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I wasn't sure if someone had answered. I couldn't hear anything, so I thought I'll just call back. Oh, good. I'm calling you. I had to book in to have a bit of a chat about contributions this morning. Is now still a good time? That's okay. You're not a problem at all. You're right. Yeah. You're right. Not a worry at all. And before we jump into the call, we do need to let you know we do record our calls for quality and training purposes. Are you happy for liberty with that? Fantastic. And I'll just do security as well. We are discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. So, Kylie, just to sort of recap back to our last conversation, you were looking at maybe look making additional contributions just so far. I can see your employer contributions are going in there. But is it something you're still wanting to look at doing, or what's your sort of thoughts at the moment? Yeah. That's okay. Not a problem at all. So we've got one of two ways that it can be done. So depending on your level of expenditure you have available to you, you can do it in way by way of salary sacrifice, which essentially means that you're doing this as a pretax deduction. So your employer is taking the money out of your income before they calculate your income tax, and it can give you the benefit of reducing your income tax payable, but it does also reduce back your take home pay as well. The other option is if you're not really wanting to do it that way and you're wanting to have a bit more control, you can do it as what's called a deductible contribution where the money goes in from your after tax income. At the end of the financial year, we claim a notice intent which changes the contribution inside super, and the deductible contribution you've made in the super becomes a tax deduction for you at the end of the year on your tax return. Have you, yeah, have you had any kind of thought as to what's probably more easier and appropriate for you or how much you'd like to contribute? Or Yeah. Yep. Yeah. Absolutely. So you can do it one of a couple of ways. You can make it as a regular contribution in. So it's like an EFT or a BPAY transfer from your bank account into your super fund on a regular basis, or you can put the money away and do it as a one soft lump sum in transaction in at the end of the financial year. So it can work within your budget depending on what you're comfortable with. Because that money is transferred in the super from your after tax pay, you've already paid income tax in that amount of money. So we have laws in Australia where you shouldn't be able to pay tax twice on a con on money at all. So when that money goes in, because it's gone, you've already paid income tax on that money. At the end of the year, we claim what's called a notice of intent. That notice of intent basically tells the Superfund that you have an intent to claim this as a tax deduction. They changed the contribution so it it matches your other employer contributions. It becomes concessional. Inside super, they take 15% tax out of that money. You've then paid tax on that money twice. So the amount you've paid in the super becomes a tax deduction for you off your personal tax return, which is really cool. So if you put $10,000 in, in the supers, they will take 50% tax out of that $10,000, but then that $10,000 becomes a tax deductions a deductible amount on your personal tax return for you. Yeah. The way yes. The way it works with the tax deduction, you can claim your marginal tax rate of the amount. So if you put $10,000 into super, the tax deduction is, say, if you're on a 30% tax bracket, 30% of the $10,000 is what you can claim. Yeah. Yeah. It it it it yeah. So these like, you'll be able to claim yeah. They claim that 30% of the $10,000, but you still benefit like that 10 if you've got $90,000 and you've made that deductible contribution of $10, you're still reducing your take your taxable income by $10. So the 10,000 is deducted away from your final taxable income, but the tax you can claim back is slightly less, essentially. It's a little bit weird the way the tax system works. But with deduct deductible contribution, if you put $10,000 into super and you claim it notice of intent, that $10,000 reduces your taxable income by $10,000. So it does have that benefit of reducing your taxable income. The main sort of difference is salary sacrifice kinda has the benefit where your employer takes that money out of your pay for you. So you don't have to think about making the savings or the contribution. It's kind of set and forget. You don't have to worry about it. Whereas making it as a deductible contribution, it's sort of more up to yourself to either set it up with your bank. So it happens regularly or to remember to do it. And often when times get hard, when expenses get larger, certain things correct, we tend to go, I'll I'll put it up and do extra next week, and then we just don't do it. So there are benefits to both of those ways of doing it. Both of them help to reduce your overall taxable income. It's just in different ways and have different requirements around, you know, the benefits of them. So it all comes into what you're comfortable with, whether you're comfortable increasing that any further. I can see here with your sales back at the moment, you've about a 100 sorry. Is it a $100 a fortnight that's going in? Yeah. No. That's okay. I can see your employer contributions going in a regular basis. That's from Austin Health here, but I can't see any separate sorry. My hub twenty four just knocked me out there. I can see the contributions going in. I think they're lumping them together is the only thing which makes it a little bit hard when you look at the hub. Just have a look. But you mentioned you you were salary sacrificing at the moment. I had a note back here from 2024 when we sort of caught up that you were sales backing then. I think it was about a $100 a fortnight. Is that still fairly accurate? Or, yeah. From your pay. Yeah. Or you're just not doing that at the moment? Okay. No. That's alright. Okay. So it's just the that's okay. So it's just the employer contributions that are going in. That's what we can see. Okay. No. That's alright. Oh, good. Just want to make sure I clarified those sorts of things. So I'm looking back at the the last few notes that we had and just wanting to make sure I clarify and have the correct information for you. Beautiful. Excellent. Is there an amount that you were sort of looking to maybe start contributing, or are you sort of wanting us to maybe provide personal advice and look at what amount is gonna provide benefit or to try and get you to your goals? Or what's your sort of thoughts? Yeah. Absolutely. Okay. Yeah. Yes. Yep. Yep. That's okay. If you like, what I could do is I can go back and I can do some research there for you. I would like to maybe just go back and reassess your goals there and maybe update the advice for you, and we can incorporate the salary sacrifice into the the personal advice document. I can look at a $100 per fortnight for you, so 50 on a weekly basis, and sort of show you the long term effect of doing that and the advantages, disadvantages, and risks involved. And then if you wanted to alter that, we can always come back and alter that. Does that sort of help you along a little bit to start with? Yep. Beautiful. And yeah. Absolutely. Correct. Absolutely. And, look, honestly, starting that contribution now is a good thing because you're increasing the amount that your dollar cost averaging into the market. And, look, I'll be honest, I cannot time the market in any way, shape, or form, and we do not know what's going to happen long term wise. But the investments you're in are there and designed to be able to withstand the ups and downs. So putting money into the market on a regular basis means that you're taking advantage of the ups and downs that we see. When the market is lower, yes, the value of the investments is lower, but then if you're putting more money into those downtimes, you're buying into those discounted investment prices. So you do benefit as the market comes back out and recovers. And then putting the same amount of money in when the market is higher, you buy less of those investments. You get less of an advantage there. So it does help you to even out your buying into the markets. You're buying in and taking advantage of whatever the market is providing. A lot of people do try to time the market, but most people who time the market miss the best days by either a few hours or a few days, and that can have quite a a big change on the amount they're able to gain. So by staying in the market, participating in the market, and just following through and continuing to invest, you tend to come out a lot better in the long term. So, yeah, so we can look at that for you. We can start with a $100 per fortnight. I can go back and just sort of reevaluate the portfolio for you and see if there's maybe any changes that we should make to the investments as well along the way. Does that sound okay? Beautiful. One of the things we do wanna look at is just making sure you are invested in the correct portfolio there. I'm just having a quick look at your last fact find that we would have completed. Now do you know I know this is a tough one. Not everyone sort of thought about it, but, realistically, what age you're hoping to maybe stop work fully retire down the track? Yeah. Yeah. That's okay. Yeah. That's okay. So at the moment, yes. At the moment, you can actually access super if you fully retire at the age of 60. Alternatively, if you continue working past that, they allow you access regardless of whether you're working or not at age 65. So this comes down to a bit of a preference for you. If you do work past 60 to sort of that age 65 mark, in between 60 to 65, there's other great strategies that we can utilize to kind of provide a last minute boost to super as well. So but it just comes down to your preference. If you don't wanna work past 60, that's completely fine. As you said, you've just turned 50, so, you know, it's probably on your mind. Makes sense. Yeah. Yep. Yep. Absolutely. Absolutely. Well, to give you a bit of an idea as well, I'm looking at your last annual review. The balance when we did the last annual review there, your balance was $93,006.85. And looking at your balance as of today's date, you've got a 114,328. So your super has increased since the last annual review, which is great to see. Majority of your investments are performing really nicely even with the times that we are seeing at the moment. I can just see your Australian equities portion here. You've got Bannalong. That investment has had a few ups and downs, and I do wanna maybe look at removing that out. It has been underperforming for the last few months. So I do wanna maybe wanna move Bannalong out of there and look at maybe a lower cost investment, something that's more passively a bit cheaper inside your fund and might help to provide greater benefit for you. Are you open to me altering that for you as well? Yep. Beautiful. And then I can also incorporate that $100 per fortnight sales tax for you. Are you comfortable? Did you want me to make a salary sacrifice so your employer does that deposit for you, or are you wanting to maybe keep it behind and do it as a deductible? Or what's no. Yep. Yep. No. That's fine. Yep. Perfect. Not a problem at all. What I can do is I can do a $100 per fortnight for you, and then I could always look at maybe a 150 as an alternative and put that into the appendix for you so you can see maybe the difference between the two, and then you can kind of work out what's comfortable for your budget and your circumstances. Does that sound okay? Yep. Beautiful. Excellent. With your income at the moment, the last updated detail I have here was that you were earning about 60,000 per annum. Have you had an increase on income at that at the moment? The same? Oh, that's a shame. Yep. No. That's okay. And employer contributions, just double checking double checking what I've got here employment wise. So I've got they're coming from Austin Health. Yep. Beautiful. And it's a public hospital. Yeah. Lovely. What kind of hour shifts do you do? I know some hospitals do, like, twelve hour shifts and things like that. Do you just work eight hours, or do you have longer shifts? Or yeah. No. That's okay. You're still important. They couldn't run without you. That's for sure. Correct. And they that would be a big problem. Yeah. No. That's absolutely fine. When we do the personal advice nowadays, we are sort of only focusing around the next ten years because a lot can happen in the next ten years. Are you happy for me to work on, say, retiring at the age of 60 to sort of see where we might project you to be and what kinda outlook that might give you at that time just to kind of give you the option of retiring at that point if you'd like to. Yep. Excellent. And do you happen to know when you do retire, what kinda income you might be hoping to live off on a weekly basis? Are you wanting to kinda live on the same income you have now, or do you think it might be a little bit less, might be okay? Yeah. Yep. No. That's okay. Yep. Okay. Take home. Yep. So $7,800 per fortnight take home pay, and we can work on that for you. Not a problem at all. The good thing is when you pull the money out of super retirement, it is tax free. So if you're comfortable on your take home pay as it is at the moment, we could always look to draw down the same amount for you. The difference is we won't have any tax on the money, so that'll be good. Excellent. Assets and liabilities, I had here your main primary residence. Now the last time we caught up, the asset value on the house was about 738,000. Do you think that might have increased a bit since we last caught up? Yeah. Yeah. Basically. The same? Yep. That's okay. Mortgage wise, we had you owing about 290,000. Has that kinda decreased a little bit since then? I know interest rates have been going up and down like crazy. Yep. Yep. Yeah. Absolutely. Oh, fantastic. Yeah. I think it's gonna go up again soon. Oh, you did well. Absolutely. Perfect. $2.82. Excellent. Lovely. I have done here the other assets noted as your motor vehicle. You had a asset value of about 7,000. If you had to sell the motor vehicle, what sort of money would you want for that? What do you think you would ask for it? Perfect. And you don't have any loans in that vehicle at all? Nope. Beautiful. Any other assets or anything else of value that you might wanna note down? Nope. That's okay. Another thing I do like to consider is the contents. Do you have contents insurance at all? Yep. How much do you think or do you have a a value of your contents, or how much do you think you might value it at? Yep. Yep. Yeah. That's okay. Yeah. No. That's okay. Do you what sort of estimate do you think? Do you think it'd be sort of north or south of a 100,000? Or yeah. Perfect. Yep. That's yep. That's okay. Part of what I do is the retirement aspect of advice is I limited scope it in at the moment to kinda show the projected outcome of where we're heading based on what we have, but I also do tend to factor in if you might be eligible for Fendalink from around eight to seven to help provide longevity to your super. So what and I do a generally a very conservative projection in retirement as well because you're not gonna be in a more of a high risk environment. You tend to be a lot more risk averse and looking at low risk investments in that time frame. So when I do assess Centrelink, I do what's called fire sale values. And because Centrelink want you to decrease the value of everything because if for them, if you had to sell things, you'd be selling them fast, like, on your front lawn as part of a garage sale. So I don't normally put Centrelink value for contents more than 10,000. So I'll keep it at the higher rate for our valuation here. For Centrelink of the year plan, I'll reduce it down to about $10 for you. Okay? It tends to also help you get a better Centrelink assessment, which is important. Uh-huh. It is honestly one of the hardest things, but the good thing about having me here is it's what I do almost every day. So if you're unsure, have any questions, or when if you ever need to deal with them, let me know. I'm more than happy to help you. And as part of the retirement aspect, we do look at age pension to give you longevity to supplement super and find other ways to do things like that. So I do do a lot of those calculations. So there'll be limited scope into the advice at the moment just sort of as a projected outcome. But as we get closer, we'll really start to assess what you might be eligible for and how it can help benefit you, and I'll make sure I help you apply for it when the time comes. Okay? Excellent. The other thing is your motor vehicle. I do tend to do, like, fire sale values there. If you had to sell that quickly on your lawn, what's the most you'd probably want for that? About 5,000. Beautiful. Excellent. Lovely. There's no large sums of savings or anything that you've got sitting in the bank anywhere? Nope. That's okay. That's okay. And last time we sort of caught up, you may have mentioned that you were able to save about a thousand dollars on a fortnightly basis from your income. Are you still putting money away regularly, or is that kind of just a bit with everything going up? Yeah. How much do you how much do you estimate you might be able to save? Yep. Beautiful. And that's per fortnight because you get paid fortnightly, isn't it? Yep. Beautiful. Thank you so much for that. Having a look other sort of do you have any other goals that you're looking to achieve down the track or in the next one to two to five years? Anything else that you might be wanting to aim for? Yep. Yep. Yep. Yep. Perfect. Not a problem at all. And I've got down here marital status that you are single. Is that still correct? Yep. Lovely. And I've got in here financial dependence. You have one son at home. He was 18 at the time. Is he still a financial dependence still living at home? Or okay. Perfect. Lovely. Beautiful. Another thing that sorta can factor in with the advice is your insurance aspect. So at the moment, you do have your life and TBD component here. I'm having trouble getting into MetLife to have a look at the actual policy you hold. But with your life and TBD, I'll send through a bit of an annual review pack in the next couple of hours as well just to kind of it'll probably actually come through tomorrow. Sorry. Because, you know, this is a bit slow today. But, essentially, with the annual review packet, we'll also have this updated certificate of currency with regard to your insurance levels there. Based on what I have at the moment, when we last were able to catch up, your life and TPD was a bit over $100,000 in value. Are you happy with the life and TPD components you have at the moment? Did you wanna look at altering those amounts? Or yep. Yep. Beautiful. The certificate of currency will have the updated valuations. Your insurance policies are indexed. They do increase every year as they go through renewal, so the amount you'll have will be higher than what we have here at the moment. It does also mean that the insurance the premiums will keep going up as well. However, it's just important we keep reviewing those down the track there. So happy with the life and TPD, keep them at the same levels at the moment there. With your income protection policy, and an income protection is generally the first thing we claim. One, it is the most expensive part of the policy given I'm just going on the value I have at the moment, and I'll double check the value that we have. But based on 60,000 because you can be covered for up to 70% of your income. So it'll be about 3,500. The income protection policy we have at the moment has a monthly benefit that you're insured for $3.04 $9.09. Again, that is indexed, so it'll be a little bit higher than what it is at the moment. As long as you're over that or at or over that 3,500 mark, you're pretty well on par with what you can be covered for. Are you fairly comfortable with that? Are you wanting to sort of look or reassess the income protection policy at all? Or yep. Beautiful. As I said, I'll get the annual review pack done up, and I'll send it through to you. It will also have our ongoing service agreement, just making sure you're happy to stay on board for the next year and keep us as as your advisers. Just so you're aware, you do pay an ongoing service fee of 1.65% per annum. It is calculated and deducted out of your super fund on a monthly basis in smaller increments. And the idea of a percentage based fee is that it fluctuates with the market. So when the market's doing really well, our fee is gonna be a little bit higher. However, when the fee takes sorry. When the market takes a bit of a dip, like what can be happening at the moment, essentially, our fee would take a bit of a dip there with it as well. But I'll make sure all of those in the annual review pack and send that through to you. Paying the ongoing service fee also means that there's no extra charges. So the advice that I'm gonna provide to you is completely complimentary under the fact that you're an ongoing client for us as well. So there's no fees for that new advice piece as well. Okay? Yeah. It is not, unfortunately. Yeah. It's not. That's just because it comes out of your super. So your super son gets the advantages of doing that, but not in your own personal name. If you were to pay it out of your back pocket, we could look at, you know, how much that will be tax deductible, but it does mean you'd have to pay for that out of your back pocket. So it's generally easier to have it coming out of your super fund than out of your back pocket with the way living is going for all of us. Yeah. That's okay. There I have noted here, and just to double check that you don't have any trauma or any other insurances other than life keeping and income protection. Are you wanting to reevaluate any other levels of cover that might be paid out of your back pocket that might give you other cover, or you're just happy with the insurances as they are and not wanting to reassess them in in any way? Keep it as is? Beautiful. That's okay. Not a problem at all. I'll make sure that's sort of your currencies in the annual review pack so you can review the levels that you have there. I apologize MetLife isn't really working for me this morning. Gotta love technology when it wants to do the work. Yeah. But no. That's fantastic. The only other thing I need to run through is just a bit of a risk profile questionnaire for you. Now at the moment, you are in a growth portfolio, and I've kind of gone through and answered a lot of these questions as we already have been talking, which is great. With the way you're invested at the moment, you're in a growth portfolio. So it generally sees about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and then commodities like gold and silver are also considered as well. Having a look at this reviewing to make sure you are invested in line with that profile and that still suits you, we've noted down when you're hoping to retire, working on that kinda ten year time horizon at the moment. But have you ever owned investments in your own name in the past? Have you ever owned shares or anything outside of Superm? Yeah. Really? Wow. Wow. Well, do they give you a statement or anything? Yeah. If you ever wanted okay. If you wanted to maybe, at the point, email me that statement or let us know, we can always have a look and help you along with that. Realistically, when it comes to selling investments in your own name, there are capital gains consequences to factor in. But if you ever wanted to talk about what they are, maybe look at selling them, what the consequences would be, you're welcome to let me know. We can help you along with that as well. Okay? Beautiful. So when next time I send you a statement, just hold on for that one. Had it been maybe, what, two coffees? Oh, no. You've gotta share that one. Oh, wow. Wow. Oh, that's that's funny. Not a not a worry at all. Perfect. Well, you've owned shares before and you still have those somewhere in the ethers, so that's absolutely fine. With the the next question here is more about inflation. So we know that markets are going up and down at the moment. There's a lot of uncertainty out there and a lot of volatility. If you saw your super fall in the future over the next few months there and it was down by about 10 or 20 or 30%, how do you think you might be feeling? Are you feeling a bit concerned? You're not really worried, or you may be calling us? How you think you might be feeling? Yep. Yep. Yep. Yeah. Yep. Yep. Perfect. When do you think about the level of risk that you're comfortable taking in order to get the best returns you can? Are you wanting to take on the highest amount of risk or a really high amount of risk to try and get the best returns you possibly can? Are you wanting to take on a medium or moderate amount of risk to still get the best returns you can obtain, or are you not wanting to take much risk in the market knowing the returns are lower generally? Yep. Where you are? Yep. Yep. Beautiful. Not a problem. And have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for, say, property? And have you ever thought about an investment property before? Yeah. Yep. Yep. Yep. Beautiful. Yeah. Beautiful. Excellent. Well, that based into the risk profile. So having a look that you have scored in that growth environment there, now it does normally suit someone who has about six years before they're needing to or wanting to access their funds. So being that you've got ten years at the moment, you do have that time horizon to remain in that you do have that 80% in those higher risk investments of things like sorry. International shares, domestic shares, a bit of commodities like gold and silver often, and also a bit of property there, which is good. That's where you get a lot of the growth from, but it's also where we see the market fluctuations that can make us a little bit nervous. The other 20% is in lower risk investments, the things like cash, bonds, and fixed interest. They tend to get a lower rate of return, but they don't fluctuate and grow as much in those volatile times. So having a mix of those is sort of where you wanna be, and you do have the time horizon for that one. It was sort of aiming for an expected annual return compounding of about seven to 9% with this sort of a portfolio. Anything above that is great and you're, you know, overachieving for the year. Anything under that is technically, you know, not quite meeting the expectation that we have, but we do understand markets do fluctuate. And we have years where you might get a 20% return, years where you might only get a 5% return. And we do expect with this sort of environment that the likelihood of a negative return could be about one in every five years. Do you feel like knowing that you're comfortable staying where you are at the moment? Yep. Yep. Beautiful. Excellent. So I'll keep looking at the growth portfolio. I'll go back and just re have a look at the way your investments are structured, maybe look at if there's a way to alter a few things. I replace that Benelung Australian Equities and look at something that might be a little bit better for you. I'll look at something. So Benelung was more of an actively managed part of your portfolio. They're an active manager. Their job is to be trying to buy and sell and outperform against the indices or the market segment that they're trying to track. They haven't actually done that, and they've had a few underlying issues. So we do wanna remove that there. We are looking at putting you into something a bit more passively managed. So the idea of a passively managed portfolio was that attract the market, which when you think about active manager and trying to outperform the market to do so, you have to be trying to time the market, trying to buy and sell in at the right time, and there's a risk that active managers aren't gonna make that or and they definitely don't do that every year. So often having something a bit cheaper like a passively managed index fund can actually get you better returns because you're just participating in the market. You're just sitting in through those downtimes, taking advantage, and putting money in, and not trying to time the market. And often, passive managers outperform greater than than active managers do. They actually provide greater returns over longer term. So if you're happy with me looking at something like that, I'll go back and review the different investment options we have, and I can incorporate that salary sacrifice there for you. Does that make sense? Do you have any questions? You're welcome to ask me anything you like, Carly. Yep. Beautiful. Excellent. I'll keep you that growth environment there. I'll just note that we're looking at the super side of things. We're not looking at altering anything with regard to the insurances. Because they are paid out of your super, it will be scoped into the advisers on a limited basis just because your your cons premiums come out of super, so it does have a long term effect on your super. But I'll just have that scoped in as a bit of a limit to show you the outcome. I'll also factor in the retirement aspect just having a look at where we're heading over the next ten years and what that might look like for you. Okay? The only other thing I'm just looking at here is just your sorry. The your beneficiary nominations here. Now having a look back, I can't see whether anyone's ever called up and asked you about if you've got a will or power of attorney set up. Have you ever drafted a will or power of attorney? Yep. Yep. That is date. Okay. Yes. Yes. Yes. I've got a 100% here through Finley, and he's nominated. It's a binding, non lapsing nomination, which is great. Essentially, it means it is bound the trustee to follow the direction there, and non lapsing means that it you don't have to keep filling out this form every couple of years. It only has to be updated or revoked if something changes for you, if you wish to change the nomination. Now Finley, he is your child. He's is he technically a financial dependent on you? Does he still no. That's okay. That's okay. So with the difference in the beneficiary nominations, he's eligible to be a beneficiary, which is absolutely fine and can be nominated this way. It does mean, though, because he's not a tax dependent, if in the event that you would have passed away, and we hope this never happens, but if he was to receive the benefit, which he can, he would have to pay tax on the benefit received. It's up to 17%. They cover 15% plus the Medicare levy. Are you happy, Jeff, with the way he's receiving the benefit? Did you wanna sort of look at it as a more of a tax effective strategy, or are you happy just to have him noted and have that money paid to him in the event that something was to happen? Yeah. Yeah. Yeah. They have yeah. It's yeah. They do. The yeah. They don't have. Yeah. Absolutely. It's just because the money is paid in the super it is taxed inside super, and that's all fine. But when they've essentially, if you were to pass away, if the taxable component is paid to him as a nontax dependent, it it goes into his name, and then he is required to pay tax on the funds. And it generally is up to 70%, so it can reduce the amount that he receives. It's actually a taxable component, which most of our super is taxable component because it's all from our employer and salary sacrifice and things like that. There is another way where if you had it directed through to your estate, that it gets lumped in with the rest of your assets. It just needs to then be noted in your will. It can help to depending on how your will is set up, it can then help to reduce the amount of tax you pay. It only really saves about 2%. The Medicare levy isn't generally paid on it, and there still is tax consequences within the estate process. But it's completely up to you. Having it the way it is now, there is that extra 2% tax that he may have to pay on the taxable component, which reduces the amount that he may be eligible to receive, but he can receive it faster through the beneficiary nomination you have. Otherwise, we can direct it through to your estate. You have it lumped in with everything else, and your estate transfers it to him. You can have it set up in a way of a trust so it pays out more tax effectively to him, or you can have it set as a regular income stream if you needed to. It's up to you on how you would prefer it to be structured. There's lots of things. Hey. Yeah. Absolutely. Yeah. Yeah. No. So they're two very separate things. So your beneficiary looks after your super and your life insurance if your beneficiary is set up that way the same way. They are not automatic estate assets. So estate assets are things like your house, your car, your savings account, everything outside of super. Super and life insurances are held completely separate, and that's why you have beneficiary nominations on those to direct either to your estate to be put in with everything else and then directed out as per your wishes, or the beneficiary nomination acts completely separate to your super and your life cover. So at the moment, the way it is sort of set up is your everything outside of super would be directed to your will, to your estate, and that is distributed as per your current will and testament. Your super, with it being nominated to Finley and your life insurance, if that's nominated the same way, would then be paid to him. He makes a claim on the estate. We would help him with that, and then he gets that that all that money paid to him. Yeah. They act very much completely separate. Yeah. That's okay? That's okay. If absolutely. If you wanted to, we're it's fine to leave the nomination as it is. I mean, as I said, this is always just placed in there in case something happens to you. We realistically hope that nothing happens, that you live your life, you you know, get to retirement and can draw your own sleep out and enjoy it. But it's always there just in the in the case that something you know, the one percent of something was happened that you passed away prematurely. So if you want, you're fine to leave the beneficiary nomination as it is. It is completely valid and does mean that Finley gets the benefit. It's just because he's a nontax dependent. Unfortunately, it's a little bit tax that he would, you know, would have to be accounted for. But you're fine to leave it that way so then down the track, we can always revisit that and sort of look at what you wanted to have happen down the track. Yeah? Perfect. There's also other strategies. So when you get to about the age of 60, there's also other strategies that we can put in place to increase the tax free component. That way, if you want that paid directly to him, we increase the tax free side of your super fund, which means he doesn't pay tax on the tax free component. It's only the taxable. So there are strategies down the track that we can put in place to limit the amount of tax that he would have to pay and to maximize your super benefit for him without having to change the beneficiary nomination. So there's always that option that we have down the track as well. Okay. Yep. Perfect. So there's a lot to this estate planning side of things, and there's a lot to the legislation of it. It's not things that we absolutely. Absolutely. Like, even if it is directed to the estate, there are taxation consequences. It's just that it's limiting it depending on how you have your will set up. So, you know, there's all they see us coming in every direction. Doesn't matter what we're doing, what happens to us, they see us coming. That's it. Absolutely. Well, I'll tell you what. What I'll do is I'll try and make things a bit better for you. I'll go back into the research around the the super the investments and the salary sacrifice component. We'll update a plan. It'll just take a couple of weeks to get sorted, and then I'll come back and we'll go through the advice documents together, and then you can let me know what you're comfortable taking on board. Does that sound alright? Yep. Beautiful. Lovely. Well, thank you so much for that. As I mentioned, I'll get the annual review pack sent out to you probably tomorrow. It does have the ongoing service agreement for the next twelve months. It has the financial services guide in there, which has got a lovely photo of me and a bit of information on myself and my registration information as a licensed adviser for you. It's also going to have a probably a lost super search as well. We like to make the ATO do a bit of work, and we do get a lost super search every so often so we can send that to the ATO and make them go out there and see if there's any money in the ether anywhere that we can consolidate for you as well. It'll also have your certificate of currency with the updated insurance information. So have a bit of a look at that and let me know if there's any questions that you have in relation to it. And then we'll just have I think we'll also pop in there a tax file consent form. So we hold your tax phone number because we look after your super and your life cover. So we just have to make sure you're aware that we do hold your tax phone number there. Okay? But all those documents will be in there for you to review, have a look at, and then you can sign and return those back when you're ready. Okay? Beautiful. Do you have any questions? I know I've asked you everything under this one. Is there anything you wanted to ask me about myself, about the advice, about anything that we've gone through? Oh, beautiful. Not a problem at all, Carly. Thank you so much for your time this morning. I hope you have a lovely Easter. I'll get cracking on the research. We'll come back in a couple of weeks' time and go shoot that one. Okay. My pleasure. Anytime. You have a lovely day. Thank you. Thanks. See you later. 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Carly. This is Dana from Okey Financial. How are you this morning? Oh, no. That's okay.\n\nNot a problem at all. I couldn't tell whether it was ringing or not. I wasn't sure if someone had answered. I couldn't hear anything, so I thought I'll just call back. Oh, good.\n\nI'm calling you. I had to book in to have a bit of a chat about contributions this morning. Is now still a good time? That's okay. You're not a problem at all.\n\nYou're right. Yeah. You're right. Not a worry at all. And before we jump into the call, we do need to let you know we do record our calls for quality and training purposes.\n\nAre you happy for liberty with that? Fantastic. And I'll just do security as well. We are discussing your personal information. So I just need to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Beautiful. Thank you so much for that. So, Kylie, just to sort of recap back to our last conversation, you were looking at maybe look making additional contributions just so far. I can see your employer contributions are going in there.\n\nBut is it something you're still wanting to look at doing, or what's your sort of thoughts at the moment? Yeah. That's okay. Not a problem at all. So we've got one of two ways that it can be done.\n\nSo depending on your level of expenditure you have available to you, you can do it in way by way of salary sacrifice, which essentially means that you're doing this as a pretax deduction. So your employer is taking the money out of your income before they calculate your income tax, and it can give you the benefit of reducing your income tax payable, but it does also reduce back your take home pay as well. The other option is if you're not really wanting to do it that way and you're wanting to have a bit more control, you can do it as what's called a deductible contribution where the money goes in from your after tax income. At the end of the financial year, we claim a notice intent which changes the contribution inside super, and the deductible contribution you've made in the super becomes a tax deduction for you at the end of the year on your tax return. Have you, yeah, have you had any kind of thought as to what's probably more easier and appropriate for you or how much you'd like to contribute?\n\nOr Yeah. Yep. Yeah. Absolutely. So you can do it one of a couple of ways.\n\nYou can make it as a regular contribution in. So it's like an EFT or a BPAY transfer from your bank account into your super fund on a regular basis, or you can put the money away and do it as a one soft lump sum in transaction in at the end of the financial year. So it can work within your budget depending on what you're comfortable with. Because that money is transferred in the super from your after tax pay, you've already paid income tax in that amount of money. So we have laws in Australia where you shouldn't be able to pay tax twice on a con on money at all.\n\nSo when that money goes in, because it's gone, you've already paid income tax on that money. At the end of the year, we claim what's called a notice of intent. That notice of intent basically tells the Superfund that you have an intent to claim this as a tax deduction. They changed the contribution so it it matches your other employer contributions. It becomes concessional.\n\nInside super, they take 15% tax out of that money. You've then paid tax on that money twice. So the amount you've paid in the super becomes a tax deduction for you off your personal tax return, which is really cool. So if you put $10,000 in, in the supers, they will take 50% tax out of that $10,000, but then that $10,000 becomes a tax deductions a deductible amount on your personal tax return for you. Yeah.\n\nThe way yes. The way it works with the tax deduction, you can claim your marginal tax rate of the amount. So if you put $10,000 into super, the tax deduction is, say, if you're on a 30% tax bracket, 30% of the $10,000 is what you can claim. Yeah. Yeah.\n\nIt it it it yeah. So these like, you'll be able to claim yeah. They claim that 30% of the $10,000, but you still benefit like that 10 if you've got $90,000 and you've made that deductible contribution of $10, you're still reducing your take your taxable income by $10. So the 10,000 is deducted away from your final taxable income, but the tax you can claim back is slightly less, essentially. It's a little bit weird the way the tax system works.\n\nBut with deduct deductible contribution, if you put $10,000 into super and you claim it notice of intent, that $10,000 reduces your taxable income by $10,000. So it does have that benefit of reducing your taxable income. The main sort of difference is salary sacrifice kinda has the benefit where your employer takes that money out of your pay for you. So you don't have to think about making the savings or the contribution. It's kind of set and forget.\n\nYou don't have to worry about it. Whereas making it as a deductible contribution, it's sort of more up to yourself to either set it up with your bank. So it happens regularly or to remember to do it. And often when times get hard, when expenses get larger, certain things correct, we tend to go, I'll I'll put it up and do extra next week, and then we just don't do it. So there are benefits to both of those ways of doing it.\n\nBoth of them help to reduce your overall taxable income. It's just in different ways and have different requirements around, you know, the benefits of them. So it all comes into what you're comfortable with, whether you're comfortable increasing that any further. I can see here with your sales back at the moment, you've about a 100 sorry. Is it a $100 a fortnight that's going in?\n\nYeah. No. That's okay. I can see your employer contributions going in a regular basis. That's from Austin Health here, but I can't see any separate sorry.\n\nMy hub twenty four just knocked me out there. I can see the contributions going in. I think they're lumping them together is the only thing which makes it a little bit hard when you look at the hub. Just have a look. But you mentioned you you were salary sacrificing at the moment.\n\nI had a note back here from 2024 when we sort of caught up that you were sales backing then. I think it was about a $100 a fortnight. Is that still fairly accurate? Or, yeah. From your pay.\n\nYeah. Or you're just not doing that at the moment? Okay. No. That's alright.\n\nOkay. So it's just the that's okay. So it's just the employer contributions that are going in. That's what we can see. Okay.\n\nNo. That's alright. Oh, good. Just want to make sure I clarified those sorts of things. So I'm looking back at the the last few notes that we had and just wanting to make sure I clarify and have the correct information for you.\n\nBeautiful. Excellent. Is there an amount that you were sort of looking to maybe start contributing, or are you sort of wanting us to maybe provide personal advice and look at what amount is gonna provide benefit or to try and get you to your goals? Or what's your sort of thoughts? Yeah.\n\nAbsolutely. Okay. Yeah. Yes. Yep.\n\nYep. That's okay. If you like, what I could do is I can go back and I can do some research there for you. I would like to maybe just go back and reassess your goals there and maybe update the advice for you, and we can incorporate the salary sacrifice into the the personal advice document. I can look at a $100 per fortnight for you, so 50 on a weekly basis, and sort of show you the long term effect of doing that and the advantages, disadvantages, and risks involved.\n\nAnd then if you wanted to alter that, we can always come back and alter that. Does that sort of help you along a little bit to start with? Yep. Beautiful. And yeah.\n\nAbsolutely. Correct. Absolutely. And, look, honestly, starting that contribution now is a good thing because you're increasing the amount that your dollar cost averaging into the market. And, look, I'll be honest, I cannot time the market in any way, shape, or form, and we do not know what's going to happen long term wise.\n\nBut the investments you're in are there and designed to be able to withstand the ups and downs. So putting money into the market on a regular basis means that you're taking advantage of the ups and downs that we see. When the market is lower, yes, the value of the investments is lower, but then if you're putting more money into those downtimes, you're buying into those discounted investment prices. So you do benefit as the market comes back out and recovers. And then putting the same amount of money in when the market is higher, you buy less of those investments.\n\nYou get less of an advantage there. So it does help you to even out your buying into the markets. You're buying in and taking advantage of whatever the market is providing. A lot of people do try to time the market, but most people who time the market miss the best days by either a few hours or a few days, and that can have quite a a big change on the amount they're able to gain. So by staying in the market, participating in the market, and just following through and continuing to invest, you tend to come out a lot better in the long term.\n\nSo, yeah, so we can look at that for you. We can start with a $100 per fortnight. I can go back and just sort of reevaluate the portfolio for you and see if there's maybe any changes that we should make to the investments as well along the way. Does that sound okay? Beautiful.\n\nOne of the things we do wanna look at is just making sure you are invested in the correct portfolio there. I'm just having a quick look at your last fact find that we would have completed. Now do you know I know this is a tough one. Not everyone sort of thought about it, but, realistically, what age you're hoping to maybe stop work fully retire down the track? Yeah.\n\nYeah. That's okay. Yeah. That's okay. So at the moment, yes.\n\nAt the moment, you can actually access super if you fully retire at the age of 60. Alternatively, if you continue working past that, they allow you access regardless of whether you're working or not at age 65. So this comes down to a bit of a preference for you. If you do work past 60 to sort of that age 65 mark, in between 60 to 65, there's other great strategies that we can utilize to kind of provide a last minute boost to super as well. So but it just comes down to your preference.\n\nIf you don't wanna work past 60, that's completely fine. As you said, you've just turned 50, so, you know, it's probably on your mind. Makes sense. Yeah. Yep.\n\nYep. Absolutely. Absolutely. Well, to give you a bit of an idea as well, I'm looking at your last annual review. The balance when we did the last annual review there, your balance was $93,006.85.\n\nAnd looking at your balance as of today's date, you've got a 114,328. So your super has increased since the last annual review, which is great to see. Majority of your investments are performing really nicely even with the times that we are seeing at the moment. I can just see your Australian equities portion here. You've got Bannalong.\n\nThat investment has had a few ups and downs, and I do wanna maybe look at removing that out. It has been underperforming for the last few months. So I do wanna maybe wanna move Bannalong out of there and look at maybe a lower cost investment, something that's more passively a bit cheaper inside your fund and might help to provide greater benefit for you. Are you open to me altering that for you as well? Yep.\n\nBeautiful. And then I can also incorporate that $100 per fortnight sales tax for you. Are you comfortable? Did you want me to make a salary sacrifice so your employer does that deposit for you, or are you wanting to maybe keep it behind and do it as a deductible? Or what's no.\n\nYep. Yep. No. That's fine. Yep.\n\nPerfect. Not a problem at all. What I can do is I can do a $100 per fortnight for you, and then I could always look at maybe a 150 as an alternative and put that into the appendix for you so you can see maybe the difference between the two, and then you can kind of work out what's comfortable for your budget and your circumstances. Does that sound okay? Yep.\n\nBeautiful. Excellent. With your income at the moment, the last updated detail I have here was that you were earning about 60,000 per annum. Have you had an increase on income at that at the moment? The same?\n\nOh, that's a shame. Yep. No. That's okay. And employer contributions, just double checking double checking what I've got here employment wise.\n\nSo I've got they're coming from Austin Health. Yep. Beautiful. And it's a public hospital. Yeah.\n\nLovely. What kind of hour shifts do you do? I know some hospitals do, like, twelve hour shifts and things like that. Do you just work eight hours, or do you have longer shifts? Or yeah.\n\nNo. That's okay. You're still important. They couldn't run without you. That's for sure.\n\nCorrect. And they that would be a big problem. Yeah. No. That's absolutely fine.\n\nWhen we do the personal advice nowadays, we are sort of only focusing around the next ten years because a lot can happen in the next ten years. Are you happy for me to work on, say, retiring at the age of 60 to sort of see where we might project you to be and what kinda outlook that might give you at that time just to kind of give you the option of retiring at that point if you'd like to. Yep. Excellent. And do you happen to know when you do retire, what kinda income you might be hoping to live off on a weekly basis?\n\nAre you wanting to kinda live on the same income you have now, or do you think it might be a little bit less, might be okay? Yeah. Yep. No. That's okay.\n\nYep. Okay. Take home. Yep. So $7,800 per fortnight take home pay, and we can work on that for you.\n\nNot a problem at all. The good thing is when you pull the money out of super retirement, it is tax free. So if you're comfortable on your take home pay as it is at the moment, we could always look to draw down the same amount for you. The difference is we won't have any tax on the money, so that'll be good. Excellent.\n\nAssets and liabilities, I had here your main primary residence. Now the last time we caught up, the asset value on the house was about 738,000. Do you think that might have increased a bit since we last caught up? Yeah. Yeah.\n\nBasically. The same? Yep. That's okay. Mortgage wise, we had you owing about 290,000.\n\nHas that kinda decreased a little bit since then? I know interest rates have been going up and down like crazy. Yep. Yep. Yeah.\n\nAbsolutely. Oh, fantastic. Yeah. I think it's gonna go up again soon. Oh, you did well.\n\nAbsolutely. Perfect. $2.82. Excellent. Lovely.\n\nI have done here the other assets noted as your motor vehicle. You had a asset value of about 7,000. If you had to sell the motor vehicle, what sort of money would you want for that? What do you think you would ask for it? Perfect.\n\nAnd you don't have any loans in that vehicle at all? Nope. Beautiful. Any other assets or anything else of value that you might wanna note down? Nope.\n\nThat's okay. Another thing I do like to consider is the contents. Do you have contents insurance at all? Yep. How much do you think or do you have a a value of your contents, or how much do you think you might value it at?\n\nYep. Yep. Yeah. That's okay. Yeah.\n\nNo. That's okay. Do you what sort of estimate do you think? Do you think it'd be sort of north or south of a 100,000? Or yeah.\n\nPerfect. Yep. That's yep. That's okay. Part of what I do is the retirement aspect of advice is I limited scope it in at the moment to kinda show the projected outcome of where we're heading based on what we have, but I also do tend to factor in if you might be eligible for Fendalink from around eight to seven to help provide longevity to your super.\n\nSo what and I do a generally a very conservative projection in retirement as well because you're not gonna be in a more of a high risk environment. You tend to be a lot more risk averse and looking at low risk investments in that time frame. So when I do assess Centrelink, I do what's called fire sale values. And because Centrelink want you to decrease the value of everything because if for them, if you had to sell things, you'd be selling them fast, like, on your front lawn as part of a garage sale. So I don't normally put Centrelink value for contents more than 10,000.\n\nSo I'll keep it at the higher rate for our valuation here. For Centrelink of the year plan, I'll reduce it down to about $10 for you. Okay? It tends to also help you get a better Centrelink assessment, which is important. Uh-huh.\n\nIt is honestly one of the hardest things, but the good thing about having me here is it's what I do almost every day. So if you're unsure, have any questions, or when if you ever need to deal with them, let me know. I'm more than happy to help you. And as part of the retirement aspect, we do look at age pension to give you longevity to supplement super and find other ways to do things like that. So I do do a lot of those calculations.\n\nSo there'll be limited scope into the advice at the moment just sort of as a projected outcome. But as we get closer, we'll really start to assess what you might be eligible for and how it can help benefit you, and I'll make sure I help you apply for it when the time comes. Okay? Excellent. The other thing is your motor vehicle.\n\nI do tend to do, like, fire sale values there. If you had to sell that quickly on your lawn, what's the most you'd probably want for that? About 5,000. Beautiful. Excellent.\n\nLovely. There's no large sums of savings or anything that you've got sitting in the bank anywhere? Nope. That's okay. That's okay.\n\nAnd last time we sort of caught up, you may have mentioned that you were able to save about a thousand dollars on a fortnightly basis from your income. Are you still putting money away regularly, or is that kind of just a bit with everything going up? Yeah. How much do you how much do you estimate you might be able to save? Yep.\n\nBeautiful. And that's per fortnight because you get paid fortnightly, isn't it? Yep. Beautiful. Thank you so much for that.\n\nHaving a look other sort of do you have any other goals that you're looking to achieve down the track or in the next one to two to five years? Anything else that you might be wanting to aim for? Yep. Yep. Yep.\n\nYep. Perfect. Not a problem at all. And I've got down here marital status that you are single. Is that still correct?\n\nYep. Lovely. And I've got in here financial dependence. You have one son at home. He was 18 at the time.\n\nIs he still a financial dependence still living at home? Or okay. Perfect. Lovely. Beautiful.\n\nAnother thing that sorta can factor in with the advice is your insurance aspect. So at the moment, you do have your life and TBD component here. I'm having trouble getting into MetLife to have a look at the actual policy you hold. But with your life and TBD, I'll send through a bit of an annual review pack in the next couple of hours as well just to kind of it'll probably actually come through tomorrow. Sorry.\n\nBecause, you know, this is a bit slow today. But, essentially, with the annual review packet, we'll also have this updated certificate of currency with regard to your insurance levels there. Based on what I have at the moment, when we last were able to catch up, your life and TPD was a bit over $100,000 in value. Are you happy with the life and TPD components you have at the moment? Did you wanna look at altering those amounts?\n\nOr yep. Yep. Beautiful. The certificate of currency will have the updated valuations. Your insurance policies are indexed.\n\nThey do increase every year as they go through renewal, so the amount you'll have will be higher than what we have here at the moment. It does also mean that the insurance the premiums will keep going up as well. However, it's just important we keep reviewing those down the track there. So happy with the life and TPD, keep them at the same levels at the moment there. With your income protection policy, and an income protection is generally the first thing we claim.\n\nOne, it is the most expensive part of the policy given I'm just going on the value I have at the moment, and I'll double check the value that we have. But based on 60,000 because you can be covered for up to 70% of your income. So it'll be about 3,500. The income protection policy we have at the moment has a monthly benefit that you're insured for $3.04 $9.09. Again, that is indexed, so it'll be a little bit higher than what it is at the moment.\n\nAs long as you're over that or at or over that 3,500 mark, you're pretty well on par with what you can be covered for. Are you fairly comfortable with that? Are you wanting to sort of look or reassess the income protection policy at all? Or yep. Beautiful.\n\nAs I said, I'll get the annual review pack done up, and I'll send it through to you. It will also have our ongoing service agreement, just making sure you're happy to stay on board for the next year and keep us as as your advisers. Just so you're aware, you do pay an ongoing service fee of 1.65% per annum. It is calculated and deducted out of your super fund on a monthly basis in smaller increments. And the idea of a percentage based fee is that it fluctuates with the market.\n\nSo when the market's doing really well, our fee is gonna be a little bit higher. However, when the fee takes sorry. When the market takes a bit of a dip, like what can be happening at the moment, essentially, our fee would take a bit of a dip there with it as well. But I'll make sure all of those in the annual review pack and send that through to you. Paying the ongoing service fee also means that there's no extra charges.\n\nSo the advice that I'm gonna provide to you is completely complimentary under the fact that you're an ongoing client for us as well. So there's no fees for that new advice piece as well. Okay? Yeah. It is not, unfortunately.\n\nYeah. It's not. That's just because it comes out of your super. So your super son gets the advantages of doing that, but not in your own personal name. If you were to pay it out of your back pocket, we could look at, you know, how much that will be tax deductible, but it does mean you'd have to pay for that out of your back pocket.\n\nSo it's generally easier to have it coming out of your super fund than out of your back pocket with the way living is going for all of us. Yeah. That's okay. There I have noted here, and just to double check that you don't have any trauma or any other insurances other than life keeping and income protection. Are you wanting to reevaluate any other levels of cover that might be paid out of your back pocket that might give you other cover, or you're just happy with the insurances as they are and not wanting to reassess them in in any way?\n\nKeep it as is? Beautiful. That's okay. Not a problem at all. I'll make sure that's sort of your currencies in the annual review pack so you can review the levels that you have there.\n\nI apologize MetLife isn't really working for me this morning. Gotta love technology when it wants to do the work. Yeah. But no. That's fantastic.\n\nThe only other thing I need to run through is just a bit of a risk profile questionnaire for you. Now at the moment, you are in a growth portfolio, and I've kind of gone through and answered a lot of these questions as we already have been talking, which is great. With the way you're invested at the moment, you're in a growth portfolio. So it generally sees about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and then commodities like gold and silver are also considered as well. Having a look at this reviewing to make sure you are invested in line with that profile and that still suits you, we've noted down when you're hoping to retire, working on that kinda ten year time horizon at the moment.\n\nBut have you ever owned investments in your own name in the past? Have you ever owned shares or anything outside of Superm? Yeah. Really? Wow.\n\nWow. Well, do they give you a statement or anything? Yeah. If you ever wanted okay. If you wanted to maybe, at the point, email me that statement or let us know, we can always have a look and help you along with that.\n\nRealistically, when it comes to selling investments in your own name, there are capital gains consequences to factor in. But if you ever wanted to talk about what they are, maybe look at selling them, what the consequences would be, you're welcome to let me know. We can help you along with that as well. Okay? Beautiful.\n\nSo when next time I send you a statement, just hold on for that one. Had it been maybe, what, two coffees? Oh, no. You've gotta share that one. Oh, wow.\n\nWow. Oh, that's that's funny. Not a not a worry at all. Perfect. Well, you've owned shares before and you still have those somewhere in the ethers, so that's absolutely fine.\n\nWith the the next question here is more about inflation. So we know that markets are going up and down at the moment. There's a lot of uncertainty out there and a lot of volatility. If you saw your super fall in the future over the next few months there and it was down by about 10 or 20 or 30%, how do you think you might be feeling? Are you feeling a bit concerned?\n\nYou're not really worried, or you may be calling us? How you think you might be feeling? Yep. Yep. Yep.\n\nYeah. Yep. Yep. Perfect. When do you think about the level of risk that you're comfortable taking in order to get the best returns you can?\n\nAre you wanting to take on the highest amount of risk or a really high amount of risk to try and get the best returns you possibly can? Are you wanting to take on a medium or moderate amount of risk to still get the best returns you can obtain, or are you not wanting to take much risk in the market knowing the returns are lower generally? Yep. Where you are? Yep.\n\nYep. Beautiful. Not a problem. And have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for, say, property? And have you ever thought about an investment property before?\n\nYeah. Yep. Yep. Yep. Beautiful.\n\nYeah. Beautiful. Excellent. Well, that based into the risk profile. So having a look that you have scored in that growth environment there, now it does normally suit someone who has about six years before they're needing to or wanting to access their funds.\n\nSo being that you've got ten years at the moment, you do have that time horizon to remain in that you do have that 80% in those higher risk investments of things like sorry. International shares, domestic shares, a bit of commodities like gold and silver often, and also a bit of property there, which is good. That's where you get a lot of the growth from, but it's also where we see the market fluctuations that can make us a little bit nervous. The other 20% is in lower risk investments, the things like cash, bonds, and fixed interest. They tend to get a lower rate of return, but they don't fluctuate and grow as much in those volatile times.\n\nSo having a mix of those is sort of where you wanna be, and you do have the time horizon for that one. It was sort of aiming for an expected annual return compounding of about seven to 9% with this sort of a portfolio. Anything above that is great and you're, you know, overachieving for the year. Anything under that is technically, you know, not quite meeting the expectation that we have, but we do understand markets do fluctuate. And we have years where you might get a 20% return, years where you might only get a 5% return.\n\nAnd we do expect with this sort of environment that the likelihood of a negative return could be about one in every five years. Do you feel like knowing that you're comfortable staying where you are at the moment? Yep. Yep. Beautiful.\n\nExcellent. So I'll keep looking at the growth portfolio. I'll go back and just re have a look at the way your investments are structured, maybe look at if there's a way to alter a few things. I replace that Benelung Australian Equities and look at something that might be a little bit better for you. I'll look at something.\n\nSo Benelung was more of an actively managed part of your portfolio. They're an active manager. Their job is to be trying to buy and sell and outperform against the indices or the market segment that they're trying to track. They haven't actually done that, and they've had a few underlying issues. So we do wanna remove that there.\n\nWe are looking at putting you into something a bit more passively managed. So the idea of a passively managed portfolio was that attract the market, which when you think about active manager and trying to outperform the market to do so, you have to be trying to time the market, trying to buy and sell in at the right time, and there's a risk that active managers aren't gonna make that or and they definitely don't do that every year. So often having something a bit cheaper like a passively managed index fund can actually get you better returns because you're just participating in the market. You're just sitting in through those downtimes, taking advantage, and putting money in, and not trying to time the market. And often, passive managers outperform greater than than active managers do.\n\nThey actually provide greater returns over longer term. So if you're happy with me looking at something like that, I'll go back and review the different investment options we have, and I can incorporate that salary sacrifice there for you. Does that make sense? Do you have any questions? You're welcome to ask me anything you like, Carly.\n\nYep. Beautiful. Excellent. I'll keep you that growth environment there. I'll just note that we're looking at the super side of things.\n\nWe're not looking at altering anything with regard to the insurances. Because they are paid out of your super, it will be scoped into the advisers on a limited basis just because your your cons premiums come out of super, so it does have a long term effect on your super. But I'll just have that scoped in as a bit of a limit to show you the outcome. I'll also factor in the retirement aspect just having a look at where we're heading over the next ten years and what that might look like for you. Okay?\n\nThe only other thing I'm just looking at here is just your sorry. The your beneficiary nominations here. Now having a look back, I can't see whether anyone's ever called up and asked you about if you've got a will or power of attorney set up. Have you ever drafted a will or power of attorney? Yep.\n\nYep. That is date. Okay. Yes. Yes.\n\nYes. I've got a 100% here through Finley, and he's nominated. It's a binding, non lapsing nomination, which is great. Essentially, it means it is bound the trustee to follow the direction there, and non lapsing means that it you don't have to keep filling out this form every couple of years. It only has to be updated or revoked if something changes for you, if you wish to change the nomination.\n\nNow Finley, he is your child. He's is he technically a financial dependent on you? Does he still no. That's okay. That's okay.\n\nSo with the difference in the beneficiary nominations, he's eligible to be a beneficiary, which is absolutely fine and can be nominated this way. It does mean, though, because he's not a tax dependent, if in the event that you would have passed away, and we hope this never happens, but if he was to receive the benefit, which he can, he would have to pay tax on the benefit received. It's up to 17%. They cover 15% plus the Medicare levy. Are you happy, Jeff, with the way he's receiving the benefit?\n\nDid you wanna sort of look at it as a more of a tax effective strategy, or are you happy just to have him noted and have that money paid to him in the event that something was to happen? Yeah. Yeah. Yeah. They have yeah.\n\nIt's yeah. They do. The yeah. They don't have. Yeah.\n\nAbsolutely. It's just because the money is paid in the super it is taxed inside super, and that's all fine. But when they've essentially, if you were to pass away, if the taxable component is paid to him as a nontax dependent, it it goes into his name, and then he is required to pay tax on the funds. And it generally is up to 70%, so it can reduce the amount that he receives. It's actually a taxable component, which most of our super is taxable component because it's all from our employer and salary sacrifice and things like that.\n\nThere is another way where if you had it directed through to your estate, that it gets lumped in with the rest of your assets. It just needs to then be noted in your will. It can help to depending on how your will is set up, it can then help to reduce the amount of tax you pay. It only really saves about 2%. The Medicare levy isn't generally paid on it, and there still is tax consequences within the estate process.\n\nBut it's completely up to you. Having it the way it is now, there is that extra 2% tax that he may have to pay on the taxable component, which reduces the amount that he may be eligible to receive, but he can receive it faster through the beneficiary nomination you have. Otherwise, we can direct it through to your estate. You have it lumped in with everything else, and your estate transfers it to him. You can have it set up in a way of a trust so it pays out more tax effectively to him, or you can have it set as a regular income stream if you needed to.\n\nIt's up to you on how you would prefer it to be structured. There's lots of things. Hey. Yeah. Absolutely.\n\nYeah. Yeah. No. So they're two very separate things. So your beneficiary looks after your super and your life insurance if your beneficiary is set up that way the same way.\n\nThey are not automatic estate assets. So estate assets are things like your house, your car, your savings account, everything outside of super. Super and life insurances are held completely separate, and that's why you have beneficiary nominations on those to direct either to your estate to be put in with everything else and then directed out as per your wishes, or the beneficiary nomination acts completely separate to your super and your life cover. So at the moment, the way it is sort of set up is your everything outside of super would be directed to your will, to your estate, and that is distributed as per your current will and testament. Your super, with it being nominated to Finley and your life insurance, if that's nominated the same way, would then be paid to him.\n\nHe makes a claim on the estate. We would help him with that, and then he gets that that all that money paid to him. Yeah. They act very much completely separate. Yeah.\n\nThat's okay? That's okay. If absolutely. If you wanted to, we're it's fine to leave the nomination as it is. I mean, as I said, this is always just placed in there in case something happens to you.\n\nWe realistically hope that nothing happens, that you live your life, you you know, get to retirement and can draw your own sleep out and enjoy it. But it's always there just in the in the case that something you know, the one percent of something was happened that you passed away prematurely. So if you want, you're fine to leave the beneficiary nomination as it is. It is completely valid and does mean that Finley gets the benefit. It's just because he's a nontax dependent.\n\nUnfortunately, it's a little bit tax that he would, you know, would have to be accounted for. But you're fine to leave it that way so then down the track, we can always revisit that and sort of look at what you wanted to have happen down the track. Yeah? Perfect. There's also other strategies.\n\nSo when you get to about the age of 60, there's also other strategies that we can put in place to increase the tax free component. That way, if you want that paid directly to him, we increase the tax free side of your super fund, which means he doesn't pay tax on the tax free component. It's only the taxable. So there are strategies down the track that we can put in place to limit the amount of tax that he would have to pay and to maximize your super benefit for him without having to change the beneficiary nomination. So there's always that option that we have down the track as well.\n\nOkay. Yep. Perfect. So there's a lot to this estate planning side of things, and there's a lot to the legislation of it. It's not things that we absolutely.\n\nAbsolutely. Like, even if it is directed to the estate, there are taxation consequences. It's just that it's limiting it depending on how you have your will set up. So, you know, there's all they see us coming in every direction. Doesn't matter what we're doing, what happens to us, they see us coming.\n\nThat's it. Absolutely. Well, I'll tell you what. What I'll do is I'll try and make things a bit better for you. I'll go back into the research around the the super the investments and the salary sacrifice component.\n\nWe'll update a plan. It'll just take a couple of weeks to get sorted, and then I'll come back and we'll go through the advice documents together, and then you can let me know what you're comfortable taking on board. Does that sound alright? Yep. Beautiful.\n\nLovely. Well, thank you so much for that. As I mentioned, I'll get the annual review pack sent out to you probably tomorrow. It does have the ongoing service agreement for the next twelve months. It has the financial services guide in there, which has got a lovely photo of me and a bit of information on myself and my registration information as a licensed adviser for you.\n\nIt's also going to have a probably a lost super search as well. We like to make the ATO do a bit of work, and we do get a lost super search every so often so we can send that to the ATO and make them go out there and see if there's any money in the ether anywhere that we can consolidate for you as well. It'll also have your certificate of currency with the updated insurance information. So have a bit of a look at that and let me know if there's any questions that you have in relation to it. And then we'll just have I think we'll also pop in there a tax file consent form.\n\nSo we hold your tax phone number because we look after your super and your life cover. So we just have to make sure you're aware that we do hold your tax phone number there. Okay? But all those documents will be in there for you to review, have a look at, and then you can sign and return those back when you're ready. Okay?\n\nBeautiful. Do you have any questions? I know I've asked you everything under this one. Is there anything you wanted to ask me about myself, about the advice, about anything that we've gone through? Oh, beautiful.\n\nNot a problem at all, Carly. Thank you so much for your time this morning. I hope you have a lovely Easter. I'll get cracking on the research. We'll come back in a couple of weeks' time and go shoot that one.\n\nOkay. My pleasure. Anytime. You have a lovely day. Thank you.\n\nThanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Carly.","start":1.8399999,"end":2.56,"sentiment":"neutral","sentiment_score":0.13058488443493843},{"text":"This is Dana from Okey Financial.","start":2.56,"end":4.18,"sentiment":"neutral","sentiment_score":0.18362738192081451},{"text":"How are you this morning?","start":4.24,"end":5.38,"sentiment":"neutral","sentiment_score":0.2478417068719864},{"text":"Oh, no.","start":8.639999,"end":9.2,"sentiment":"neutral","sentiment_score":-0.0644360650330782},{"text":"That's okay.","start":9.2,"end":9.92,"sentiment":"neutral","sentiment_score":0.053057508543133736}],"sentiment":"neutral","sentiment_score":0.15172855775145924,"num_words":17,"start":1.8399999,"end":9.92},{"sentences":[{"text":"Not a problem at all.","start":9.92,"end":10.639999,"sentiment":"neutral","sentiment_score":0.057951705902814864},{"text":"I couldn't tell whether it was ringing or not.","start":10.639999,"end":12.4,"sentiment":"neutral","sentiment_score":-0.09234240982267591},{"text":"I wasn't sure if someone had answered.","start":12.4,"end":13.8550005,"sentiment":"neutral","sentiment_score":-0.11708309075662068},{"text":"I couldn't hear anything, so I thought I'll just call back.","start":13.8550005,"end":16.355,"sentiment":"neutral","sentiment_score":-0.07743128787048838},{"text":"Oh, good.","start":18.415,"end":19.055,"sentiment":"neutral","sentiment_score":0.19832828640937805}],"sentiment":"neutral","sentiment_score":-0.05341154082185205,"num_words":34,"start":9.92,"end":19.055},{"sentences":[{"text":"I'm calling you.","start":19.055,"end":19.535,"sentiment":"neutral","sentiment_score":0.11460266262292862},{"text":"I had to book in to have a bit of a chat about contributions this morning.","start":19.535,"end":22.915,"sentiment":"neutral","sentiment_score":0.061096661258488894},{"text":"Is now still a good time?","start":23.375,"end":24.915,"sentiment":"neutral","sentiment_score":0.13057229978342852},{"text":"That's okay.","start":31.52,"end":32.34,"sentiment":"neutral","sentiment_score":0.049410462379455566},{"text":"You're not a problem at all.","start":32.48,"end":33.94,"sentiment":"neutral","sentiment_score":-0.06984757507840793}],"sentiment":"neutral","sentiment_score":0.05407648003011039,"num_words":33,"start":19.055,"end":33.94},{"sentences":[{"text":"You're right.","start":34.64,"end":35.46,"sentiment":"neutral","sentiment_score":-0.0010086260735988617},{"text":"Yeah.","start":36.96,"end":37.2,"sentiment":"neutral","sentiment_score":0.10226915031671524},{"text":"You're right.","start":37.2,"end":37.84,"sentiment":"neutral","sentiment_score":0.13517840951681137},{"text":"Not a worry at all.","start":37.84,"end":38.879997,"sentiment":"neutral","sentiment_score":0.200105157494545},{"text":"And before we jump into the call, we do need to let you know we do record our calls for quality and training purposes.","start":38.879997,"end":43.335,"sentiment":"neutral","sentiment_score":0.08005134280150135}],"sentiment":"neutral","sentiment_score":0.09683431564446758,"num_words":34,"start":34.64,"end":43.335},{"sentences":[{"text":"Are you happy for liberty with that?","start":43.335,"end":45.434998,"sentiment":"neutral","sentiment_score":0.10369724673884255},{"text":"Fantastic.","start":46.695,"end":47.094997,"sentiment":"neutral","sentiment_score":0.08547556400299072},{"text":"And I'll just do security as well.","start":47.094997,"end":48.454998,"sentiment":"neutral","sentiment_score":0.027690624818205833},{"text":"We are discussing your personal information.","start":48.454998,"end":50.054996,"sentiment":"neutral","sentiment_score":0.020082099984089535},{"text":"So I just need to confirm your full name, your date of birth, and address I should have on file.","start":50.054996,"end":54.074997,"sentiment":"neutral","sentiment_score":0.021806185925379397}],"sentiment":"neutral","sentiment_score":0.038092853251572065,"num_words":41,"start":43.335,"end":54.074997},{"sentences":[{"text":"Yep.","start":56.15,"end":56.65,"sentiment":"neutral","sentiment_score":0.02391979657113552},{"text":"Beautiful.","start":60.47,"end":60.97,"sentiment":"positive","sentiment_score":0.4489636421203614},{"text":"Thank you so much for that.","start":61.030003,"end":62.57,"sentiment":"positive","sentiment_score":0.5606014132499695},{"text":"So, Kylie, just to sort of recap back to our last conversation, you were looking at maybe look making additional contributions just so far.","start":62.870003,"end":69.915,"sentiment":"neutral","sentiment_score":0.12931517884135246},{"text":"I can see your employer contributions are going in there.","start":70.075005,"end":72.715004,"sentiment":"neutral","sentiment_score":0.08705538883805275}],"sentiment":"neutral","sentiment_score":0.18596690711343572,"num_words":42,"start":56.15,"end":72.715004},{"sentences":[{"text":"But is it something you're still wanting to look at doing, or what's your sort of thoughts at the moment?","start":72.715004,"end":76.815,"sentiment":"neutral","sentiment_score":0.04938333090394735},{"text":"Yeah.","start":81.035,"end":81.515,"sentiment":"neutral","sentiment_score":0.09497806429862976},{"text":"That's okay.","start":81.515,"end":82.415,"sentiment":"neutral","sentiment_score":0.14057060331106186},{"text":"Not a problem at all.","start":82.555,"end":83.855,"sentiment":"neutral","sentiment_score":0.19048311710357665},{"text":"So we've got one of two ways that it can be done.","start":84.68,"end":87.0,"sentiment":"neutral","sentiment_score":0.1560434140264988}],"sentiment":"neutral","sentiment_score":0.10471806107088924,"num_words":40,"start":72.715004,"end":87.0},{"sentences":[{"text":"So depending on your level of expenditure you have available to you, you can do it in way by way of salary sacrifice, which essentially means that you're doing this as a pretax deduction.","start":87.0,"end":96.78,"sentiment":"neutral","sentiment_score":0.125067868434331},{"text":"So your employer is taking the money out of your income before they calculate your income tax, and it can give you the benefit of reducing your income tax payable, but it does also reduce back your take home pay as well.","start":96.84,"end":109.825,"sentiment":"positive","sentiment_score":0.33446772219169707},{"text":"The other option is if you're not really wanting to do it that way and you're wanting to have a bit more control, you can do it as what's called a deductible contribution where the money goes in from your after tax income.","start":110.54,"end":121.600006,"sentiment":"neutral","sentiment_score":0.26601295710303063},{"text":"At the end of the financial year, we claim a notice intent which changes the contribution inside super, and the deductible contribution you've made in the super becomes a tax deduction for you at the end of the year on your tax return.","start":121.740005,"end":132.775,"sentiment":"neutral","sentiment_score":0.32625524318495464},{"text":"Have you, yeah, have you had any kind of thought as to what's probably more easier and appropriate for you or how much you'd like to contribute?","start":133.795,"end":141.60999,"sentiment":"neutral","sentiment_score":0.1548549786761955}],"sentiment":"neutral","sentiment_score":0.2536961317220062,"num_words":189,"start":87.0,"end":141.60999},{"sentences":[{"text":"Or Yeah.","start":141.67,"end":159.705,"sentiment":"neutral","sentiment_score":0.027327618561685085},{"text":"Yep.","start":160.80501,"end":161.30501,"sentiment":"neutral","sentiment_score":0.09380191564559937},{"text":"Yeah.","start":172.5,"end":173.0,"sentiment":"neutral","sentiment_score":0.02937508560717106},{"text":"Absolutely.","start":173.14,"end":173.64,"sentiment":"positive","sentiment_score":0.3762238323688507},{"text":"So you can do it one of a couple of ways.","start":173.78,"end":176.93056,"sentiment":"positive","sentiment_score":0.35959085009314795}],"sentiment":"neutral","sentiment_score":0.2818472138606012,"num_words":16,"start":141.67,"end":176.93056},{"sentences":[{"text":"You can make it as a regular contribution in.","start":176.93056,"end":178.655,"sentiment":"neutral","sentiment_score":0.33275022771623397},{"text":"So it's like an EFT or a BPAY transfer from your bank account into your super fund on a regular basis, or you can put the money away and do it as a one soft lump sum in transaction in at the end of the financial year.","start":178.655,"end":192.03,"sentiment":"neutral","sentiment_score":0.26380401659519115},{"text":"So it can work within your budget depending on what you're comfortable with.","start":192.03,"end":195.49,"sentiment":"positive","sentiment_score":0.4043030933691905},{"text":"Because that money is transferred in the super from your after tax pay, you've already paid income tax in that amount of money.","start":196.19,"end":202.59001,"sentiment":"neutral","sentiment_score":0.2567557549994925},{"text":"So we have laws in Australia where you shouldn't be able to pay tax twice on a con on money at all.","start":202.59001,"end":209.85501,"sentiment":"neutral","sentiment_score":0.03780518980188803}],"sentiment":"neutral","sentiment_score":0.24023313670043359,"num_words":114,"start":176.93056,"end":209.85501},{"sentences":[{"text":"So when that money goes in, because it's gone, you've already paid income tax on that money.","start":210.07501,"end":213.755,"sentiment":"neutral","sentiment_score":0.06999170867835774},{"text":"At the end of the year, we claim what's called a notice of intent.","start":213.755,"end":216.41501,"sentiment":"neutral","sentiment_score":0.11125758503164564},{"text":"That notice of intent basically tells the Superfund that you have an intent to claim this as a tax deduction.","start":216.77,"end":223.03,"sentiment":"neutral","sentiment_score":0.1400234442204237},{"text":"They changed the contribution so it it matches your other employer contributions.","start":223.41,"end":227.75,"sentiment":"neutral","sentiment_score":0.17359561659395695},{"text":"It becomes concessional.","start":227.81,"end":228.87,"sentiment":"neutral","sentiment_score":0.2165611038605372}],"sentiment":"neutral","sentiment_score":0.12546613383473773,"num_words":66,"start":210.07501,"end":228.87},{"sentences":[{"text":"Inside super, they take 15% tax out of that money.","start":229.595,"end":232.97499,"sentiment":"neutral","sentiment_score":0.19033399671316148},{"text":"You've then paid tax on that money twice.","start":233.11499,"end":235.215,"sentiment":"neutral","sentiment_score":0.2574006114155054},{"text":"So the amount you've paid in the super becomes a tax deduction for you off your personal tax return, which is really cool.","start":235.915,"end":243.06,"sentiment":"positive","sentiment_score":0.5893764133038728},{"text":"So if you put $10,000 in, in the supers, they will take 50% tax out of that $10,000, but then that $10,000 becomes a tax deductions a deductible amount on your personal tax return for you.","start":243.14,"end":256.03998,"sentiment":"positive","sentiment_score":0.3463491453892655},{"text":"Yeah.","start":257.595,"end":258.095,"sentiment":"neutral","sentiment_score":0.08837947249412537}],"sentiment":"positive","sentiment_score":0.3855788598840053,"num_words":78,"start":229.595,"end":258.095},{"sentences":[{"text":"The way yes.","start":263.19498,"end":264.955,"sentiment":"neutral","sentiment_score":0.0880386767288049},{"text":"The way it works with the tax deduction, you can claim your marginal tax rate of the amount.","start":264.955,"end":269.435,"sentiment":"neutral","sentiment_score":0.26021900441911483},{"text":"So if you put $10,000 into super, the tax deduction is, say, if you're on a 30% tax bracket, 30% of the $10,000 is what you can claim.","start":269.435,"end":278.7,"sentiment":"neutral","sentiment_score":0.14235616714826652},{"text":"Yeah.","start":280.52002,"end":281.02002,"sentiment":"neutral","sentiment_score":0.03473199903964996},{"text":"Yeah.","start":281.96002,"end":282.46002,"sentiment":"neutral","sentiment_score":0.06220428645610809}],"sentiment":"neutral","sentiment_score":0.17707778579171965,"num_words":51,"start":263.19498,"end":282.46002},{"sentences":[{"text":"It it it it yeah.","start":289.175,"end":290.535,"sentiment":"neutral","sentiment_score":0.05991971492767334},{"text":"So these like, you'll be able to claim yeah.","start":290.535,"end":293.335,"sentiment":"neutral","sentiment_score":0.1258673353327645},{"text":"They claim that 30% of the $10,000, but you still benefit like that 10 if you've got $90,000 and you've made that deductible contribution of $10, you're still reducing your take your taxable income by $10.","start":293.335,"end":306.9,"sentiment":"neutral","sentiment_score":0.18344861496653822},{"text":"So the 10,000 is deducted away from your final taxable income, but the tax you can claim back is slightly less, essentially.","start":306.9,"end":315.07498,"sentiment":"neutral","sentiment_score":0.03665805616500703},{"text":"It's a little bit weird the way the tax system works.","start":315.07498,"end":317.57498,"sentiment":"neutral","sentiment_score":-0.13178233395923267}],"sentiment":"neutral","sentiment_score":0.08907742522297854,"num_words":83,"start":289.175,"end":317.57498},{"sentences":[{"text":"But with deduct deductible contribution, if you put $10,000 into super and you claim it notice of intent, that $10,000 reduces your taxable income by $10,000.","start":317.875,"end":328.54,"sentiment":"neutral","sentiment_score":0.15347851669559112},{"text":"So it does have that benefit of reducing your taxable income.","start":328.54,"end":332.48,"sentiment":"neutral","sentiment_score":0.28859766098586},{"text":"The main sort of difference is salary sacrifice kinda has the benefit where your employer takes that money out of your pay for you.","start":332.54,"end":339.385,"sentiment":"neutral","sentiment_score":0.020823856136606384},{"text":"So you don't have to think about making the savings or the contribution.","start":339.385,"end":342.445,"sentiment":"neutral","sentiment_score":0.26621560064645916},{"text":"It's kind of set and forget.","start":342.585,"end":344.665,"sentiment":"positive","sentiment_score":0.523171067237854}],"sentiment":"neutral","sentiment_score":0.17830771830049344,"num_words":80,"start":317.875,"end":344.665},{"sentences":[{"text":"You don't have to worry about it.","start":344.665,"end":346.345,"sentiment":"positive","sentiment_score":0.43248588698250906},{"text":"Whereas making it as a deductible contribution, it's sort of more up to yourself to either set it up with your bank.","start":346.345,"end":351.48,"sentiment":"neutral","sentiment_score":0.2801669565114108},{"text":"So it happens regularly or to remember to do it.","start":351.48,"end":355.02,"sentiment":"neutral","sentiment_score":0.26884572207927704},{"text":"And often when times get hard, when expenses get larger, certain things correct, we tend to go, I'll I'll put it up and do extra next week, and then we just don't do it.","start":355.08,"end":364.76,"sentiment":"neutral","sentiment_score":0.022908161942134884},{"text":"So there are benefits to both of those ways of doing it.","start":364.76,"end":368.755,"sentiment":"neutral","sentiment_score":0.19738658455510935}],"sentiment":"neutral","sentiment_score":0.17678879992488553,"num_words":85,"start":344.665,"end":368.755},{"sentences":[{"text":"Both of them help to reduce your overall taxable income.","start":369.375,"end":372.67502,"sentiment":"neutral","sentiment_score":0.2220973439514637},{"text":"It's just in different ways and have different requirements around, you know, the benefits of them.","start":373.375,"end":378.655,"sentiment":"neutral","sentiment_score":0.17158775171265006},{"text":"So it all comes into what you're comfortable with, whether you're comfortable increasing that any further.","start":378.655,"end":383.25,"sentiment":"neutral","sentiment_score":0.1972120078280568},{"text":"I can see here with your sales back at the moment, you've about a 100 sorry.","start":383.25,"end":387.73,"sentiment":"neutral","sentiment_score":0.029150815622415394},{"text":"Is it a $100 a fortnight that's going in?","start":387.73,"end":390.31,"sentiment":"neutral","sentiment_score":-0.01075119080228938}],"sentiment":"neutral","sentiment_score":0.1267376406702088,"num_words":67,"start":369.375,"end":390.31},{"sentences":[{"text":"Yeah.","start":395.585,"end":396.085,"sentiment":"neutral","sentiment_score":-0.003460792824625969},{"text":"No.","start":397.425,"end":397.66498,"sentiment":"neutral","sentiment_score":-0.11443239450454712},{"text":"That's okay.","start":397.66498,"end":398.485,"sentiment":"neutral","sentiment_score":-0.032907502725720406},{"text":"I can see your employer contributions going in a regular basis.","start":398.705,"end":401.905,"sentiment":"neutral","sentiment_score":0.05567481605844064},{"text":"That's from Austin Health here, but I can't see any separate sorry.","start":401.905,"end":408.22498,"sentiment":"neutral","sentiment_score":-0.06553184365232785}],"sentiment":"neutral","sentiment_score":-0.013246938517248188,"num_words":27,"start":395.585,"end":408.22498},{"sentences":[{"text":"My hub twenty four just knocked me out there.","start":408.22498,"end":410.79,"sentiment":"neutral","sentiment_score":-0.2590564472807778},{"text":"I can see the contributions going in.","start":410.79,"end":412.59,"sentiment":"neutral","sentiment_score":-0.06433187052607536},{"text":"I think they're lumping them together is the only thing which makes it a little bit hard when you look at the hub.","start":412.59,"end":417.29,"sentiment":"neutral","sentiment_score":-0.1803641788985418},{"text":"Just have a look.","start":419.51,"end":420.31,"sentiment":"neutral","sentiment_score":-0.042233122047036886},{"text":"But you mentioned you you were salary sacrificing at the moment.","start":420.31,"end":422.98502,"sentiment":"neutral","sentiment_score":-0.1586448462171988}],"sentiment":"neutral","sentiment_score":-0.16378209315654305,"num_words":54,"start":408.22498,"end":422.98502},{"sentences":[{"text":"I had a note back here from 2024 when we sort of caught up that you were sales backing then.","start":422.98502,"end":428.42502,"sentiment":"neutral","sentiment_score":-0.05964882941916585},{"text":"I think it was about a $100 a fortnight.","start":428.42502,"end":430.42502,"sentiment":"neutral","sentiment_score":-0.04342376068234444},{"text":"Is that still fairly accurate?","start":430.42502,"end":431.885,"sentiment":"neutral","sentiment_score":-0.021289683878421783},{"text":"Or, yeah.","start":431.945,"end":437.4,"sentiment":"neutral","sentiment_score":-0.03233878035098314},{"text":"From your pay.","start":437.4,"end":438.36,"sentiment":"neutral","sentiment_score":-0.03502408042550087}],"sentiment":"neutral","sentiment_score":-0.04769201681782038,"num_words":39,"start":422.98502,"end":438.36},{"sentences":[{"text":"Yeah.","start":438.36,"end":438.84,"sentiment":"neutral","sentiment_score":-0.034214068204164505},{"text":"Or you're just not doing that at the moment?","start":438.84,"end":441.66,"sentiment":"neutral","sentiment_score":-0.19807406183746126},{"text":"Okay.","start":446.12,"end":446.52,"sentiment":"neutral","sentiment_score":-0.10362949967384338},{"text":"No.","start":446.52,"end":446.75998,"sentiment":"neutral","sentiment_score":-0.09803656488656998},{"text":"That's alright.","start":446.75998,"end":447.5,"sentiment":"neutral","sentiment_score":-0.031578759429976344}],"sentiment":"neutral","sentiment_score":-0.1486931577258344,"num_words":14,"start":438.36,"end":447.5},{"sentences":[{"text":"Okay.","start":448.23502,"end":448.55502,"sentiment":"neutral","sentiment_score":0.013882815837860107},{"text":"So it's just the that's okay.","start":448.55502,"end":451.595,"sentiment":"neutral","sentiment_score":0.05294070765376091},{"text":"So it's just the employer contributions that are going in.","start":451.595,"end":454.23502,"sentiment":"neutral","sentiment_score":0.021021509543061256},{"text":"That's what we can see.","start":454.23502,"end":455.275,"sentiment":"neutral","sentiment_score":0.04906406551599503},{"text":"Okay.","start":455.275,"end":455.67502,"sentiment":"neutral","sentiment_score":0.07033577561378479}],"sentiment":"neutral","sentiment_score":0.03727818523412165,"num_words":23,"start":448.23502,"end":455.67502},{"sentences":[{"text":"No.","start":455.67502,"end":455.915,"sentiment":"neutral","sentiment_score":0.002293810248374939},{"text":"That's alright.","start":455.915,"end":456.655,"sentiment":"neutral","sentiment_score":0.09595010802149773},{"text":"Oh, good.","start":456.715,"end":457.45502,"sentiment":"positive","sentiment_score":0.4311802387237549},{"text":"Just want to make sure I clarified those sorts of things.","start":457.755,"end":460.075,"sentiment":"neutral","sentiment_score":0.18829293955456128},{"text":"So I'm looking back at the the last few notes that we had and just wanting to make sure I clarify and have the correct information for you.","start":460.075,"end":467.4,"sentiment":"neutral","sentiment_score":0.15565985600863183}],"sentiment":"neutral","sentiment_score":0.17014210925183512,"num_words":44,"start":455.67502,"end":467.4},{"sentences":[{"text":"Beautiful.","start":467.46,"end":467.96,"sentiment":"positive","sentiment_score":0.6947826147079468},{"text":"Excellent.","start":468.82,"end":469.32,"sentiment":"positive","sentiment_score":0.6544983386993408},{"text":"Is there an amount that you were sort of looking to maybe start contributing, or are you sort of wanting us to maybe provide personal advice and look at what amount is gonna provide benefit or to try and get you to your goals?","start":469.94,"end":482.11502,"sentiment":"neutral","sentiment_score":0.09604362897913564},{"text":"Or what's your sort of thoughts?","start":482.11502,"end":483.575,"sentiment":"neutral","sentiment_score":0.013354700369139513},{"text":"Yeah.","start":498.93,"end":499.41,"sentiment":"neutral","sentiment_score":0.050520431250333786}],"sentiment":"neutral","sentiment_score":0.10765753324442315,"num_words":53,"start":467.46,"end":499.41},{"sentences":[{"text":"Absolutely.","start":499.41,"end":499.91,"sentiment":"neutral","sentiment_score":0.06908975541591644},{"text":"Okay.","start":510.815,"end":510.975,"sentiment":"neutral","sentiment_score":-0.003921777009963989},{"text":"Yeah.","start":510.975,"end":511.475,"sentiment":"neutral","sentiment_score":0.03572361171245575},{"text":"Yes.","start":526.445,"end":526.945,"sentiment":"neutral","sentiment_score":0.04815075546503067},{"text":"Yep.","start":533.085,"end":533.585,"sentiment":"neutral","sentiment_score":0.01925468072295189}],"sentiment":"neutral","sentiment_score":0.033659405261278155,"num_words":5,"start":499.41,"end":533.585},{"sentences":[{"text":"Yep.","start":534.205,"end":534.705,"sentiment":"neutral","sentiment_score":0.056639835238456726},{"text":"That's okay.","start":534.845,"end":535.645,"sentiment":"neutral","sentiment_score":0.15358751267194748},{"text":"If you like, what I could do is I can go back and I can do some research there for you.","start":535.645,"end":540.32,"sentiment":"neutral","sentiment_score":0.0890129923465706},{"text":"I would like to maybe just go back and reassess your goals there and maybe update the advice for you, and we can incorporate the salary sacrifice into the the personal advice document.","start":540.32,"end":550.1,"sentiment":"neutral","sentiment_score":0.1395872508486112},{"text":"I can look at a $100 per fortnight for you, so 50 on a weekly basis, and sort of show you the long term effect of doing that and the advantages, disadvantages, and risks involved.","start":550.565,"end":560.245,"sentiment":"neutral","sentiment_score":0.04146244408828872}],"sentiment":"neutral","sentiment_score":0.09011578827124575,"num_words":92,"start":534.205,"end":560.245},{"sentences":[{"text":"And then if you wanted to alter that, we can always come back and alter that.","start":560.245,"end":563.445,"sentiment":"neutral","sentiment_score":-0.010734146926552057},{"text":"Does that sort of help you along a little bit to start with?","start":563.445,"end":566.185,"sentiment":"neutral","sentiment_score":0.05981915042950557},{"text":"Yep.","start":566.19,"end":566.43,"sentiment":"neutral","sentiment_score":0.1729414165019989},{"text":"Beautiful.","start":566.43,"end":566.67,"sentiment":"positive","sentiment_score":0.6329646706581116},{"text":"And yeah.","start":566.67,"end":576.35,"sentiment":"neutral","sentiment_score":0.32620165031403303}],"sentiment":"neutral","sentiment_score":0.06255187856202776,"num_words":33,"start":560.245,"end":576.35},{"sentences":[{"text":"Absolutely.","start":576.35,"end":576.85,"sentiment":"neutral","sentiment_score":0.12178023904561996},{"text":"Correct.","start":578.51,"end":579.01,"sentiment":"neutral","sentiment_score":-0.031518176198005676},{"text":"Absolutely.","start":581.625,"end":582.125,"sentiment":"neutral","sentiment_score":0.26531869173049927},{"text":"And, look, honestly, starting that contribution now is a good thing because you're increasing the amount that your dollar cost averaging into the market.","start":582.345,"end":589.165,"sentiment":"positive","sentiment_score":0.5312069797267517},{"text":"And, look, I'll be honest, I cannot time the market in any way, shape, or form, and we do not know what's going to happen long term wise.","start":589.225,"end":595.5,"sentiment":"neutral","sentiment_score":-0.015002756113452571}],"sentiment":"neutral","sentiment_score":0.23062674721533602,"num_words":55,"start":576.35,"end":595.5},{"sentences":[{"text":"But the investments you're in are there and designed to be able to withstand the ups and downs.","start":595.5,"end":600.46,"sentiment":"neutral","sentiment_score":0.19359582165877023},{"text":"So putting money into the market on a regular basis means that you're taking advantage of the ups and downs that we see.","start":600.46,"end":606.56,"sentiment":"neutral","sentiment_score":0.10403418233213217},{"text":"When the market is lower, yes, the value of the investments is lower, but then if you're putting more money into those downtimes, you're buying into those discounted investment prices.","start":606.72504,"end":615.685,"sentiment":"neutral","sentiment_score":0.04109393178174893},{"text":"So you do benefit as the market comes back out and recovers.","start":615.685,"end":618.66504,"sentiment":"positive","sentiment_score":0.33889414370059967},{"text":"And then putting the same amount of money in when the market is higher, you buy less of those investments.","start":619.35,"end":624.01,"sentiment":"neutral","sentiment_score":0.06789074689149857}],"sentiment":"neutral","sentiment_score":0.1216978019338499,"num_words":103,"start":595.5,"end":624.01},{"sentences":[{"text":"You get less of an advantage there.","start":624.07,"end":626.07,"sentiment":"neutral","sentiment_score":0.09607658428805214},{"text":"So it does help you to even out your buying into the markets.","start":626.07,"end":630.39,"sentiment":"neutral","sentiment_score":0.30628272088674396},{"text":"You're buying in and taking advantage of whatever the market is providing.","start":630.39,"end":634.105,"sentiment":"neutral","sentiment_score":0.28487280011177063},{"text":"A lot of people do try to time the market, but most people who time the market miss the best days by either a few hours or a few days, and that can have quite a a big change on the amount they're able to gain.","start":635.365,"end":649.06,"sentiment":"neutral","sentiment_score":0.08660581495369905},{"text":"So by staying in the market, participating in the market, and just following through and continuing to invest, you tend to come out a lot better in the long term.","start":649.06,"end":657.22,"sentiment":"positive","sentiment_score":0.47970430155595145}],"sentiment":"neutral","sentiment_score":0.24488594071698133,"num_words":108,"start":624.07,"end":657.22},{"sentences":[{"text":"So, yeah, so we can look at that for you.","start":657.22,"end":660.265,"sentiment":"neutral","sentiment_score":0.21722446233034134},{"text":"We can start with a $100 per fortnight.","start":660.265,"end":662.365,"sentiment":"neutral","sentiment_score":0.15588416159152985},{"text":"I can go back and just sort of reevaluate the portfolio for you and see if there's maybe any changes that we should make to the investments as well along the way.","start":663.065,"end":670.905,"sentiment":"neutral","sentiment_score":0.19732949160970747},{"text":"Does that sound okay?","start":670.905,"end":672.04504,"sentiment":"neutral","sentiment_score":0.1921006143093109},{"text":"Beautiful.","start":674.25,"end":674.75,"sentiment":"positive","sentiment_score":0.7403608560562134}],"sentiment":"neutral","sentiment_score":0.20441136292435907,"num_words":55,"start":657.22,"end":674.75},{"sentences":[{"text":"One of the things we do wanna look at is just making sure you are invested in the correct portfolio there.","start":675.37,"end":680.11005,"sentiment":"neutral","sentiment_score":0.23465759165230252},{"text":"I'm just having a quick look at your last fact find that we would have completed.","start":680.41003,"end":684.11005,"sentiment":"neutral","sentiment_score":0.1154486178420484},{"text":"Now do you know I know this is a tough one.","start":684.65,"end":686.65,"sentiment":"neutral","sentiment_score":-0.046226561069488525},{"text":"Not everyone sort of thought about it, but, realistically, what age you're hoping to maybe stop work fully retire down the track?","start":686.65,"end":693.495,"sentiment":"neutral","sentiment_score":-0.11058564907447858},{"text":"Yeah.","start":702.20996,"end":702.70996,"sentiment":"neutral","sentiment_score":-0.04688209667801857}],"sentiment":"neutral","sentiment_score":0.053334207916763465,"num_words":71,"start":675.37,"end":702.70996},{"sentences":[{"text":"Yeah.","start":706.52997,"end":706.85,"sentiment":"neutral","sentiment_score":-0.027057725936174393},{"text":"That's okay.","start":706.85,"end":707.67,"sentiment":"neutral","sentiment_score":-0.014986990951001644},{"text":"Yeah.","start":711.00995,"end":711.50995,"sentiment":"neutral","sentiment_score":0.06434411555528641},{"text":"That's okay.","start":711.97,"end":712.69,"sentiment":"neutral","sentiment_score":0.08850205317139626},{"text":"So at the moment, yes.","start":712.69,"end":715.195,"sentiment":"neutral","sentiment_score":0.05135503336787224}],"sentiment":"neutral","sentiment_score":0.04009924371811477,"num_words":11,"start":706.52997,"end":715.195},{"sentences":[{"text":"At the moment, you can actually access super if you fully retire at the age of 60.","start":715.195,"end":719.375,"sentiment":"neutral","sentiment_score":0.09204473740914289},{"text":"Alternatively, if you continue working past that, they allow you access regardless of whether you're working or not at age 65.","start":719.835,"end":727.115,"sentiment":"neutral","sentiment_score":0.06976916836131186},{"text":"So this comes down to a bit of a preference for you.","start":727.115,"end":729.75,"sentiment":"neutral","sentiment_score":0.06730886859198411},{"text":"If you do work past 60 to sort of that age 65 mark, in between 60 to 65, there's other great strategies that we can utilize to kind of provide a last minute boost to super as well.","start":730.07,"end":742.15,"sentiment":"neutral","sentiment_score":0.2094554769757547},{"text":"So but it just comes down to your preference.","start":742.15,"end":744.355,"sentiment":"neutral","sentiment_score":0.09721390820211834}],"sentiment":"neutral","sentiment_score":0.13063765766540752,"num_words":97,"start":715.195,"end":744.355},{"sentences":[{"text":"If you don't wanna work past 60, that's completely fine.","start":744.355,"end":747.075,"sentiment":"neutral","sentiment_score":0.06132728382945061},{"text":"As you said, you've just turned 50, so, you know, it's probably on your mind.","start":747.075,"end":751.335,"sentiment":"neutral","sentiment_score":0.08465706706047058},{"text":"Makes sense.","start":758.06,"end":758.8,"sentiment":"neutral","sentiment_score":-0.0575886033475399},{"text":"Yeah.","start":760.69995,"end":761.1,"sentiment":"neutral","sentiment_score":-0.0021923528984189034},{"text":"Yep.","start":761.1,"end":761.6,"sentiment":"neutral","sentiment_score":0.04067882522940636}],"sentiment":"neutral","sentiment_score":0.06229096930474043,"num_words":29,"start":744.355,"end":761.6},{"sentences":[{"text":"Yep.","start":769.515,"end":770.015,"sentiment":"neutral","sentiment_score":0.01046406477689743},{"text":"Absolutely.","start":770.955,"end":771.455,"sentiment":"neutral","sentiment_score":0.320123553276062},{"text":"Absolutely.","start":771.83496,"end":772.235,"sentiment":"neutral","sentiment_score":0.24810026586055756},{"text":"Well, to give you a bit of an idea as well, I'm looking at your last annual review.","start":772.235,"end":775.995,"sentiment":"neutral","sentiment_score":0.1072700149897072},{"text":"The balance when we did the last annual review there, your balance was $93,006.85.","start":775.995,"end":781.295,"sentiment":"neutral","sentiment_score":0.0961013553397996}],"sentiment":"neutral","sentiment_score":0.1101419179567269,"num_words":35,"start":769.515,"end":781.295},{"sentences":[{"text":"And looking at your balance as of today's date, you've got a 114,328.","start":781.56995,"end":788.20996,"sentiment":"neutral","sentiment_score":0.1633671189729984},{"text":"So your super has increased since the last annual review, which is great to see.","start":788.20996,"end":792.47,"sentiment":"positive","sentiment_score":0.5748099486033121},{"text":"Majority of your investments are performing really nicely even with the times that we are seeing at the moment.","start":793.00995,"end":798.195,"sentiment":"positive","sentiment_score":0.3741189249252018},{"text":"I can just see your Australian equities portion here.","start":798.415,"end":800.815,"sentiment":"neutral","sentiment_score":0.0958111509680748},{"text":"You've got Bannalong.","start":800.815,"end":801.71497,"sentiment":"neutral","sentiment_score":0.02644369099289179}],"sentiment":"neutral","sentiment_score":0.3185730979825228,"num_words":59,"start":781.56995,"end":801.71497},{"sentences":[{"text":"That investment has had a few ups and downs, and I do wanna maybe look at removing that out.","start":802.175,"end":807.77496,"sentiment":"neutral","sentiment_score":-0.11413439794590599},{"text":"It has been underperforming for the last few months.","start":807.77496,"end":810.01495,"sentiment":"neutral","sentiment_score":-0.30464666253990597},{"text":"So I do wanna maybe wanna move Bannalong out of there and look at maybe a lower cost investment, something that's more passively a bit cheaper inside your fund and might help to provide greater benefit for you.","start":810.01495,"end":821.89,"sentiment":"neutral","sentiment_score":0.22493356819215574},{"text":"Are you open to me altering that for you as well?","start":821.89,"end":824.47003,"sentiment":"neutral","sentiment_score":0.1030887168916789},{"text":"Yep.","start":825.605,"end":826.105,"sentiment":"neutral","sentiment_score":0.30710044503211975}],"sentiment":"neutral","sentiment_score":0.06510485126039921,"num_words":78,"start":802.175,"end":826.105},{"sentences":[{"text":"Beautiful.","start":826.32495,"end":826.82495,"sentiment":"positive","sentiment_score":0.5928765535354614},{"text":"And then I can also incorporate that $100 per fortnight sales tax for you.","start":827.045,"end":831.625,"sentiment":"neutral","sentiment_score":0.22882450265543802},{"text":"Are you comfortable?","start":831.845,"end":832.64496,"sentiment":"neutral","sentiment_score":0.08802580833435059},{"text":"Did you want me to make a salary sacrifice so your employer does that deposit for you, or are you wanting to maybe keep it behind and do it as a deductible?","start":832.64496,"end":841.45996,"sentiment":"neutral","sentiment_score":0.06612189882434905},{"text":"Or what's no.","start":841.45996,"end":843.95996,"sentiment":"neutral","sentiment_score":-0.18449440598487854}],"sentiment":"neutral","sentiment_score":0.10609272754979583,"num_words":53,"start":826.32495,"end":843.95996},{"sentences":[{"text":"Yep.","start":848.81995,"end":849.31995,"sentiment":"neutral","sentiment_score":-0.10767963528633118},{"text":"Yep.","start":851.45996,"end":851.95996,"sentiment":"neutral","sentiment_score":-0.13882604241371155},{"text":"No.","start":852.98,"end":853.48,"sentiment":"neutral","sentiment_score":-0.1981712430715561},{"text":"That's fine.","start":853.62,"end":854.68,"sentiment":"neutral","sentiment_score":-0.08995870314538479},{"text":"Yep.","start":857.545,"end":858.045,"sentiment":"neutral","sentiment_score":-0.04194070026278496}],"sentiment":"neutral","sentiment_score":-0.11108917122085889,"num_words":6,"start":848.81995,"end":858.045},{"sentences":[{"text":"Perfect.","start":858.745,"end":859.245,"sentiment":"positive","sentiment_score":0.4497493803501129},{"text":"Not a problem at all.","start":859.46497,"end":860.505,"sentiment":"neutral","sentiment_score":0.30327745974063874},{"text":"What I can do is I can do a $100 per fortnight for you, and then I could always look at maybe a 150 as an alternative and put that into the appendix for you so you can see maybe the difference between the two, and then you can kind of work out what's comfortable for your budget and your circumstances.","start":860.505,"end":875.27997,"sentiment":"neutral","sentiment_score":0.13254953114712825},{"text":"Does that sound okay?","start":875.57996,"end":876.72,"sentiment":"neutral","sentiment_score":0.2039037123322487},{"text":"Yep.","start":878.22,"end":878.69995,"sentiment":"neutral","sentiment_score":0.23515520989894867}],"sentiment":"neutral","sentiment_score":0.15420039080911213,"num_words":72,"start":858.745,"end":878.69995},{"sentences":[{"text":"Beautiful.","start":878.69995,"end":879.19995,"sentiment":"positive","sentiment_score":0.5556190609931946},{"text":"Excellent.","start":879.42,"end":879.92,"sentiment":"positive","sentiment_score":0.5180880427360535},{"text":"With your income at the moment, the last updated detail I have here was that you were earning about 60,000 per annum.","start":880.835,"end":887.47504,"sentiment":"neutral","sentiment_score":0.06365185070105574},{"text":"Have you had an increase on income at that at the moment?","start":887.47504,"end":890.85504,"sentiment":"neutral","sentiment_score":0.016471073652307194},{"text":"The same?","start":892.195,"end":892.935,"sentiment":"neutral","sentiment_score":-0.14361171796917915}],"sentiment":"neutral","sentiment_score":0.06274940176425796,"num_words":38,"start":878.69995,"end":892.935},{"sentences":[{"text":"Oh, that's a shame.","start":899.24,"end":900.69995,"sentiment":"negative","sentiment_score":-0.4705087020993233},{"text":"Yep.","start":901.8,"end":902.3,"sentiment":"neutral","sentiment_score":-0.03595009446144104},{"text":"No.","start":902.51996,"end":902.75995,"sentiment":"neutral","sentiment_score":-0.10035276412963869},{"text":"That's okay.","start":902.75995,"end":903.66,"sentiment":"neutral","sentiment_score":-0.03643995709717274},{"text":"And employer contributions, just double checking double checking what I've got here employment wise.","start":904.51996,"end":909.90497,"sentiment":"neutral","sentiment_score":-0.017095944711140225}],"sentiment":"neutral","sentiment_score":-0.10593458214266734,"num_words":22,"start":899.24,"end":909.90497},{"sentences":[{"text":"So I've got they're coming from Austin Health.","start":910.52496,"end":913.90497,"sentiment":"neutral","sentiment_score":0.0019554655300453305},{"text":"Yep.","start":915.325,"end":915.64496,"sentiment":"neutral","sentiment_score":0.06490273028612137},{"text":"Beautiful.","start":915.64496,"end":916.125,"sentiment":"neutral","sentiment_score":0.19362860918045044},{"text":"And it's a public hospital.","start":916.125,"end":917.345,"sentiment":"neutral","sentiment_score":0.051245222240686415},{"text":"Yeah.","start":918.685,"end":919.005,"sentiment":"neutral","sentiment_score":0.0822708010673523}],"sentiment":"neutral","sentiment_score":0.03829199849860743,"num_words":16,"start":910.52496,"end":919.005},{"sentences":[{"text":"Lovely.","start":919.005,"end":919.505,"sentiment":"neutral","sentiment_score":0.11552131175994872},{"text":"What kind of hour shifts do you do?","start":919.885,"end":921.485,"sentiment":"neutral","sentiment_score":0.012460771366022527},{"text":"I know some hospitals do, like, twelve hour shifts and things like that.","start":921.485,"end":924.93,"sentiment":"neutral","sentiment_score":0.005226428692157452},{"text":"Do you just work eight hours, or do you have longer shifts?","start":924.93,"end":927.57,"sentiment":"neutral","sentiment_score":-0.003572336941336592},{"text":"Or yeah.","start":927.57,"end":932.47,"sentiment":"neutral","sentiment_score":-0.034937115386128426}],"sentiment":"neutral","sentiment_score":0.00473357726716333,"num_words":36,"start":919.005,"end":932.47},{"sentences":[{"text":"No.","start":934.05,"end":934.29,"sentiment":"neutral","sentiment_score":-0.04071919247508049},{"text":"That's okay.","start":934.29,"end":935.19,"sentiment":"neutral","sentiment_score":0.00816257920814678},{"text":"You're still important.","start":936.185,"end":937.145,"sentiment":"neutral","sentiment_score":0.022208193317055702},{"text":"They couldn't run without you.","start":937.145,"end":938.345,"sentiment":"neutral","sentiment_score":-0.032594810239970684},{"text":"That's for sure.","start":938.345,"end":939.325,"sentiment":"neutral","sentiment_score":-0.019586054608225822}],"sentiment":"neutral","sentiment_score":-0.012821547795153623,"num_words":14,"start":934.05,"end":939.325},{"sentences":[{"text":"Correct.","start":942.105,"end":942.605,"sentiment":"neutral","sentiment_score":-0.10331891477108002},{"text":"And they that would be a big problem.","start":942.745,"end":944.765,"sentiment":"negative","sentiment_score":-0.34630163945257664},{"text":"Yeah.","start":947.625,"end":948.125,"sentiment":"neutral","sentiment_score":-0.07605459541082382},{"text":"No.","start":948.185,"end":948.425,"sentiment":"neutral","sentiment_score":-0.11825301498174667},{"text":"That's absolutely fine.","start":948.425,"end":949.965,"sentiment":"neutral","sentiment_score":0.0002449457533657551}],"sentiment":"neutral","sentiment_score":-0.21909320025172616,"num_words":14,"start":942.105,"end":949.965},{"sentences":[{"text":"When we do the personal advice nowadays, we are sort of only focusing around the next ten years because a lot can happen in the next ten years.","start":950.57,"end":958.43,"sentiment":"neutral","sentiment_score":-0.029554523727191345},{"text":"Are you happy for me to work on, say, retiring at the age of 60 to sort of see where we might project you to be and what kinda outlook that might give you at that time just to kind of give you the option of retiring at that point if you'd like to.","start":958.97,"end":972.02496,"sentiment":"neutral","sentiment_score":0.276032319844321},{"text":"Yep.","start":972.02496,"end":972.52496,"sentiment":"neutral","sentiment_score":0.11316831409931184},{"text":"Excellent.","start":974.02496,"end":974.52496,"sentiment":"positive","sentiment_score":0.6689735651016235},{"text":"And do you happen to know when you do retire, what kinda income you might be hoping to live off on a weekly basis?","start":974.745,"end":981.32,"sentiment":"neutral","sentiment_score":0.14571279287338257}],"sentiment":"neutral","sentiment_score":0.16997655106846382,"num_words":108,"start":950.57,"end":981.32},{"sentences":[{"text":"Are you wanting to kinda live on the same income you have now, or do you think it might be a little bit less, might be okay?","start":981.32,"end":986.7,"sentiment":"neutral","sentiment_score":0.06977683002198184},{"text":"Yeah.","start":989.8,"end":990.3,"sentiment":"neutral","sentiment_score":0.018861161544919017},{"text":"Yep.","start":993.005,"end":993.505,"sentiment":"neutral","sentiment_score":-0.00016837194561958313},{"text":"No.","start":996.445,"end":996.60504,"sentiment":"neutral","sentiment_score":-0.10468482971191406},{"text":"That's okay.","start":996.60504,"end":997.34503,"sentiment":"neutral","sentiment_score":-0.06159240938723087}],"sentiment":"neutral","sentiment_score":0.05233742349082604,"num_words":32,"start":981.32,"end":997.34503},{"sentences":[{"text":"Yep.","start":1001.72504,"end":1002.22504,"sentiment":"neutral","sentiment_score":-0.1051565408706665},{"text":"Okay.","start":1005.74,"end":1006.24,"sentiment":"neutral","sentiment_score":-0.019984573125839233},{"text":"Take home.","start":1006.77997,"end":1007.51996,"sentiment":"neutral","sentiment_score":0.00046804314479231834},{"text":"Yep.","start":1007.57996,"end":1008.07996,"sentiment":"neutral","sentiment_score":0.03205260634422302},{"text":"So $7,800 per fortnight take home pay, and we can work on that for you.","start":1010.69995,"end":1015.5,"sentiment":"neutral","sentiment_score":0.08205101564526558}],"sentiment":"neutral","sentiment_score":0.05693064066581428,"num_words":20,"start":1001.72504,"end":1015.5},{"sentences":[{"text":"Not a problem at all.","start":1015.5,"end":1016.745,"sentiment":"neutral","sentiment_score":-0.25165861546993257},{"text":"The good thing is when you pull the money out of super retirement, it is tax free.","start":1016.90497,"end":1020.90497,"sentiment":"neutral","sentiment_score":0.24353227545233333},{"text":"So if you're comfortable on your take home pay as it is at the moment, we could always look to draw down the same amount for you.","start":1020.90497,"end":1027.405,"sentiment":"neutral","sentiment_score":0.2179962562190162},{"text":"The difference is we won't have any tax on the money, so that'll be good.","start":1027.465,"end":1030.605,"sentiment":"neutral","sentiment_score":0.17276387214660643},{"text":"Excellent.","start":1032.97,"end":1033.47,"sentiment":"positive","sentiment_score":0.4068532586097718}],"sentiment":"neutral","sentiment_score":0.18101485944711246,"num_words":65,"start":1015.5,"end":1033.47},{"sentences":[{"text":"Assets and liabilities, I had here your main primary residence.","start":1034.4099,"end":1037.45,"sentiment":"neutral","sentiment_score":0.12549871094524861},{"text":"Now the last time we caught up, the asset value on the house was about 738,000.","start":1037.45,"end":1042.1699,"sentiment":"neutral","sentiment_score":0.06660131365060806},{"text":"Do you think that might have increased a bit since we last caught up?","start":1042.1699,"end":1045.47,"sentiment":"neutral","sentiment_score":0.02433793299964496},{"text":"Yeah.","start":1053.745,"end":1054.2251,"sentiment":"neutral","sentiment_score":0.017313454300165176},{"text":"Yeah.","start":1054.2251,"end":1054.625,"sentiment":"neutral","sentiment_score":0.020829882472753525}],"sentiment":"neutral","sentiment_score":0.06427339349119436,"num_words":42,"start":1034.4099,"end":1054.625},{"sentences":[{"text":"Basically.","start":1054.625,"end":1055.125,"sentiment":"neutral","sentiment_score":0.012070080265402794},{"text":"The same?","start":1058.3201,"end":1058.9601,"sentiment":"neutral","sentiment_score":-0.005985173396766186},{"text":"Yep.","start":1058.9601,"end":1059.2001,"sentiment":"neutral","sentiment_score":0.02786261960864067},{"text":"That's okay.","start":1059.2001,"end":1060.1001,"sentiment":"neutral","sentiment_score":0.019568745279684663},{"text":"Mortgage wise, we had you owing about 290,000.","start":1060.3201,"end":1063.7001,"sentiment":"neutral","sentiment_score":-0.04332652175799012}],"sentiment":"neutral","sentiment_score":-0.01996516645886004,"num_words":14,"start":1054.625,"end":1063.7001},{"sentences":[{"text":"Has that kinda decreased a little bit since then?","start":1064.2401,"end":1066.3201,"sentiment":"neutral","sentiment_score":-0.1323321908712387},{"text":"I know interest rates have been going up and down like crazy.","start":1066.3201,"end":1068.9801,"sentiment":"neutral","sentiment_score":-0.20622669532895088},{"text":"Yep.","start":1072.745,"end":1073.245,"sentiment":"neutral","sentiment_score":-0.06917375326156616},{"text":"Yep.","start":1074.8251,"end":1075.3251,"sentiment":"neutral","sentiment_score":-0.024487119168043137},{"text":"Yeah.","start":1076.425,"end":1076.925,"sentiment":"neutral","sentiment_score":-0.009607501327991486}],"sentiment":"neutral","sentiment_score":-0.15704076814775667,"num_words":24,"start":1064.2401,"end":1076.925},{"sentences":[{"text":"Absolutely.","start":1078.105,"end":1078.605,"sentiment":"positive","sentiment_score":0.4323199987411499},{"text":"Oh, fantastic.","start":1085.48,"end":1086.38,"sentiment":"positive","sentiment_score":0.5667775273323059},{"text":"Yeah.","start":1087.24,"end":1087.56,"sentiment":"neutral","sentiment_score":0.3128049671649933},{"text":"I think it's gonna go up again soon.","start":1087.56,"end":1089.5801,"sentiment":"neutral","sentiment_score":0.19421686232089996},{"text":"Oh, you did well.","start":1094.535,"end":1096.4751,"sentiment":"neutral","sentiment_score":0.26593975722789764}],"sentiment":"neutral","sentiment_score":0.2810108717530966,"num_words":16,"start":1078.105,"end":1096.4751},{"sentences":[{"text":"Absolutely.","start":1101.3351,"end":1101.8351,"sentiment":"neutral","sentiment_score":0.14228969812393188},{"text":"Perfect.","start":1109.9099,"end":1110.3099,"sentiment":"neutral","sentiment_score":0.1645549237728119},{"text":"$2.82.","start":1110.3099,"end":1111.35,"sentiment":"neutral","sentiment_score":0.12711471319198608},{"text":"Excellent.","start":1111.35,"end":1111.85,"sentiment":"positive","sentiment_score":0.4774685800075531},{"text":"Lovely.","start":1112.23,"end":1112.73,"sentiment":"positive","sentiment_score":0.5074665546417236}],"sentiment":"neutral","sentiment_score":0.2837788939476013,"num_words":5,"start":1101.3351,"end":1112.73},{"sentences":[{"text":"I have done here the other assets noted as your motor vehicle.","start":1112.87,"end":1115.85,"sentiment":"neutral","sentiment_score":0.18970707120994726},{"text":"You had a asset value of about 7,000.","start":1116.3899,"end":1118.71,"sentiment":"neutral","sentiment_score":0.07894782163202763},{"text":"If you had to sell the motor vehicle, what sort of money would you want for that?","start":1118.71,"end":1123.275,"sentiment":"neutral","sentiment_score":0.044410299400196356},{"text":"What do you think you would ask for it?","start":1123.275,"end":1125.215,"sentiment":"neutral","sentiment_score":0.017367742955684662},{"text":"Perfect.","start":1130.635,"end":1131.135,"sentiment":"neutral","sentiment_score":0.18040995299816132}],"sentiment":"neutral","sentiment_score":0.08510132248889893,"num_words":47,"start":1112.87,"end":1131.135},{"sentences":[{"text":"And you don't have any loans in that vehicle at all?","start":1131.355,"end":1134.175,"sentiment":"neutral","sentiment_score":0.006609940562735905},{"text":"Nope.","start":1135.06,"end":1135.56,"sentiment":"neutral","sentiment_score":0.013698207214474678},{"text":"Beautiful.","start":1135.62,"end":1136.12,"sentiment":"neutral","sentiment_score":0.15466046333312988},{"text":"Any other assets or anything else of value that you might wanna note down?","start":1137.06,"end":1140.92,"sentiment":"neutral","sentiment_score":0.07307694173817124},{"text":"Nope.","start":1144.3401,"end":1144.8401,"sentiment":"neutral","sentiment_score":-0.01700901985168457}],"sentiment":"neutral","sentiment_score":0.04454057790072901,"num_words":28,"start":1131.355,"end":1144.8401},{"sentences":[{"text":"That's okay.","start":1144.9,"end":1145.7001,"sentiment":"neutral","sentiment_score":0.021007316187024117},{"text":"Another thing I do like to consider is the contents.","start":1145.7001,"end":1148.02,"sentiment":"neutral","sentiment_score":0.0004021206870675087},{"text":"Do you have contents insurance at all?","start":1148.02,"end":1150.2001,"sentiment":"neutral","sentiment_score":-0.004726172424852848},{"text":"Yep.","start":1151.115,"end":1151.435,"sentiment":"neutral","sentiment_score":0.02375183627009392},{"text":"How much do you think or do you have a a value of your contents, or how much do you think you might value it at?","start":1151.435,"end":1157.535,"sentiment":"neutral","sentiment_score":0.013883701561448665}],"sentiment":"neutral","sentiment_score":0.00864523280735897,"num_words":46,"start":1144.9,"end":1157.535},{"sentences":[{"text":"Yep.","start":1162.65,"end":1163.15,"sentiment":"neutral","sentiment_score":-0.050222139805555344},{"text":"Yep.","start":1168.6575,"end":1169.1575,"sentiment":"neutral","sentiment_score":-0.05878137797117233},{"text":"Yeah.","start":1176.905,"end":1177.405,"sentiment":"neutral","sentiment_score":-0.025779476389288902},{"text":"That's okay.","start":1178.105,"end":1179.005,"sentiment":"neutral","sentiment_score":-0.009879478719085455},{"text":"Yeah.","start":1179.865,"end":1180.365,"sentiment":"neutral","sentiment_score":-0.023920368403196335}],"sentiment":"neutral","sentiment_score":-0.02974372000123064,"num_words":6,"start":1162.65,"end":1180.365},{"sentences":[{"text":"No.","start":1182.5851,"end":1182.905,"sentiment":"neutral","sentiment_score":-0.05342531204223633},{"text":"That's okay.","start":1182.905,"end":1183.4651,"sentiment":"neutral","sentiment_score":-0.01256139762699604},{"text":"Do you what sort of estimate do you think?","start":1183.4651,"end":1184.905,"sentiment":"neutral","sentiment_score":-0.000715926910440127},{"text":"Do you think it'd be sort of north or south of a 100,000?","start":1184.905,"end":1187.805,"sentiment":"neutral","sentiment_score":0.0021446854091034485},{"text":"Or yeah.","start":1188.025,"end":1194.02,"sentiment":"neutral","sentiment_score":0.08269144222140312}],"sentiment":"neutral","sentiment_score":0.004010086861887464,"num_words":27,"start":1182.5851,"end":1194.02},{"sentences":[{"text":"Perfect.","start":1194.02,"end":1194.52,"sentiment":"positive","sentiment_score":0.5583418011665344},{"text":"Yep.","start":1196.18,"end":1196.68,"sentiment":"neutral","sentiment_score":0.13117899000644684},{"text":"That's yep.","start":1197.9401,"end":1199.38,"sentiment":"neutral","sentiment_score":0.0867529883980751},{"text":"That's okay.","start":1199.38,"end":1200.2001,"sentiment":"neutral","sentiment_score":0.3024160712957382},{"text":"Part of what I do is the retirement aspect of advice is I limited scope it in at the moment to kinda show the projected outcome of where we're heading based on what we have, but I also do tend to factor in if you might be eligible for Fendalink from around eight to seven to help provide longevity to your super.","start":1200.5,"end":1216.8451,"sentiment":"neutral","sentiment_score":0.14357452238759688}],"sentiment":"neutral","sentiment_score":0.15249234262634725,"num_words":68,"start":1194.02,"end":1216.8451},{"sentences":[{"text":"So what and I do a generally a very conservative projection in retirement as well because you're not gonna be in a more of a high risk environment.","start":1218.0599,"end":1224.7,"sentiment":"neutral","sentiment_score":0.04935381095856428},{"text":"You tend to be a lot more risk averse and looking at low risk investments in that time frame.","start":1224.7,"end":1229.84,"sentiment":"neutral","sentiment_score":-0.055230442826685155},{"text":"So when I do assess Centrelink, I do what's called fire sale values.","start":1230.265,"end":1234.045,"sentiment":"neutral","sentiment_score":0.05367458583070682},{"text":"And because Centrelink want you to decrease the value of everything because if for them, if you had to sell things, you'd be selling them fast, like, on your front lawn as part of a garage sale.","start":1234.105,"end":1243.885,"sentiment":"neutral","sentiment_score":-0.01776190967978658},{"text":"So I don't normally put Centrelink value for contents more than 10,000.","start":1244.7201,"end":1248.7201,"sentiment":"neutral","sentiment_score":-0.044058049408098064}],"sentiment":"neutral","sentiment_score":-0.0014274251570395374,"num_words":109,"start":1218.0599,"end":1248.7201},{"sentences":[{"text":"So I'll keep it at the higher rate for our valuation here.","start":1248.7201,"end":1251.62,"sentiment":"neutral","sentiment_score":0.04827510224034389},{"text":"For Centrelink of the year plan, I'll reduce it down to about $10 for you.","start":1251.92,"end":1256.0801,"sentiment":"neutral","sentiment_score":0.07662248462438584},{"text":"Okay?","start":1256.0801,"end":1256.5801,"sentiment":"neutral","sentiment_score":0.08244221657514572},{"text":"It tends to also help you get a better Centrelink assessment, which is important.","start":1257.265,"end":1260.8049,"sentiment":"neutral","sentiment_score":0.259593061038426},{"text":"Uh-huh.","start":1265.425,"end":1265.925,"sentiment":"neutral","sentiment_score":-0.04280242696404457}],"sentiment":"neutral","sentiment_score":0.1256414218697437,"num_words":43,"start":1248.7201,"end":1265.925},{"sentences":[{"text":"It is honestly one of the hardest things, but the good thing about having me here is it's what I do almost every day.","start":1266.385,"end":1272.57,"sentiment":"neutral","sentiment_score":0.2180541946242253},{"text":"So if you're unsure, have any questions, or when if you ever need to deal with them, let me know.","start":1273.0499,"end":1277.45,"sentiment":"neutral","sentiment_score":0.27938866466283796},{"text":"I'm more than happy to help you.","start":1277.45,"end":1279.1499,"sentiment":"positive","sentiment_score":0.7170377543994358},{"text":"And as part of the retirement aspect, we do look at age pension to give you longevity to supplement super and find other ways to do things like that.","start":1279.21,"end":1286.97,"sentiment":"neutral","sentiment_score":0.08624550424002368},{"text":"So I do do a lot of those calculations.","start":1286.97,"end":1289.655,"sentiment":"neutral","sentiment_score":0.07084704024924172}],"sentiment":"neutral","sentiment_score":0.21324810371054023,"num_words":89,"start":1266.385,"end":1289.655},{"sentences":[{"text":"So there'll be limited scope into the advice at the moment just sort of as a projected outcome.","start":1289.655,"end":1293.655,"sentiment":"neutral","sentiment_score":0.0485067344788048},{"text":"But as we get closer, we'll really start to assess what you might be eligible for and how it can help benefit you, and I'll make sure I help you apply for it when the time comes.","start":1293.655,"end":1302.055,"sentiment":"neutral","sentiment_score":0.16926557167961792},{"text":"Okay?","start":1302.055,"end":1302.555,"sentiment":"neutral","sentiment_score":0.10283368080854416},{"text":"Excellent.","start":1305.5701,"end":1306.0701,"sentiment":"positive","sentiment_score":0.5695680379867554},{"text":"The other thing is your motor vehicle.","start":1306.53,"end":1308.2101,"sentiment":"neutral","sentiment_score":0.19160620442458562}],"sentiment":"neutral","sentiment_score":0.14296238316455856,"num_words":64,"start":1289.655,"end":1308.2101},{"sentences":[{"text":"I do tend to do, like, fire sale values there.","start":1308.2101,"end":1310.77,"sentiment":"neutral","sentiment_score":0.10348572805523873},{"text":"If you had to sell that quickly on your lawn, what's the most you'd probably want for that?","start":1310.77,"end":1315.43,"sentiment":"neutral","sentiment_score":0.0812325823224253},{"text":"About 5,000.","start":1319.865,"end":1320.765,"sentiment":"neutral","sentiment_score":0.03589456342160702},{"text":"Beautiful.","start":1320.905,"end":1321.405,"sentiment":"positive","sentiment_score":0.5022920966148376},{"text":"Excellent.","start":1321.785,"end":1322.285,"sentiment":"positive","sentiment_score":0.5687507390975952}],"sentiment":"neutral","sentiment_score":0.1137461164034903,"num_words":32,"start":1308.2101,"end":1322.285},{"sentences":[{"text":"Lovely.","start":1323.305,"end":1323.805,"sentiment":"positive","sentiment_score":0.5891470313072205},{"text":"There's no large sums of savings or anything that you've got sitting in the bank anywhere?","start":1325.0651,"end":1329.725,"sentiment":"neutral","sentiment_score":0.17375551769509912},{"text":"Nope.","start":1331.65,"end":1332.15,"sentiment":"neutral","sentiment_score":-0.14456099271774292},{"text":"That's okay.","start":1332.2101,"end":1333.03,"sentiment":"neutral","sentiment_score":-0.0426656361669302},{"text":"That's okay.","start":1334.61,"end":1335.3301,"sentiment":"neutral","sentiment_score":0.07561822235584259}],"sentiment":"neutral","sentiment_score":0.14957179518585856,"num_words":22,"start":1323.305,"end":1335.3301},{"sentences":[{"text":"And last time we sort of caught up, you may have mentioned that you were able to save about a thousand dollars on a fortnightly basis from your income.","start":1335.3301,"end":1342.13,"sentiment":"neutral","sentiment_score":-0.002170502079714989},{"text":"Are you still putting money away regularly, or is that kind of just a bit with everything going up?","start":1342.13,"end":1346.865,"sentiment":"neutral","sentiment_score":-0.08612400175709474},{"text":"Yeah.","start":1348.765,"end":1349.165,"sentiment":"neutral","sentiment_score":0.04418441653251648},{"text":"How much do you how much do you estimate you might be able to save?","start":1349.165,"end":1352.545,"sentiment":"neutral","sentiment_score":0.029305638124545414},{"text":"Yep.","start":1357.5801,"end":1358.0801,"sentiment":"neutral","sentiment_score":0.1146337389945984}],"sentiment":"neutral","sentiment_score":-0.016936890250788286,"num_words":65,"start":1335.3301,"end":1358.0801},{"sentences":[{"text":"Beautiful.","start":1358.38,"end":1358.88,"sentiment":"neutral","sentiment_score":0.3128402531147003},{"text":"And that's per fortnight because you get paid fortnightly, isn't it?","start":1359.02,"end":1362.0,"sentiment":"neutral","sentiment_score":0.05855010382153771},{"text":"Yep.","start":1362.62,"end":1363.02,"sentiment":"neutral","sentiment_score":0.08715181052684784},{"text":"Beautiful.","start":1363.02,"end":1363.52,"sentiment":"neutral","sentiment_score":0.32144802808761597},{"text":"Thank you so much for that.","start":1363.66,"end":1365.2001,"sentiment":"positive","sentiment_score":0.48386119802792865}],"sentiment":"neutral","sentiment_score":0.21343292109668255,"num_words":20,"start":1358.38,"end":1365.2001},{"sentences":[{"text":"Having a look other sort of do you have any other goals that you're looking to achieve down the track or in the next one to two to five years?","start":1366.06,"end":1372.985,"sentiment":"neutral","sentiment_score":0.15131801863511404},{"text":"Anything else that you might be wanting to aim for?","start":1372.985,"end":1376.0449,"sentiment":"neutral","sentiment_score":0.056203925237059596},{"text":"Yep.","start":1378.105,"end":1378.605,"sentiment":"neutral","sentiment_score":0.027581550180912014},{"text":"Yep.","start":1379.225,"end":1379.725,"sentiment":"neutral","sentiment_score":0.051605433225631714},{"text":"Yep.","start":1381.065,"end":1381.385,"sentiment":"neutral","sentiment_score":0.06436455249786377}],"sentiment":"neutral","sentiment_score":0.12197979877507964,"num_words":43,"start":1366.06,"end":1381.385},{"sentences":[{"text":"Yep.","start":1381.385,"end":1381.7849,"sentiment":"neutral","sentiment_score":0.1120581179857254},{"text":"Perfect.","start":1381.7849,"end":1382.2849,"sentiment":"neutral","sentiment_score":0.30460870265960693},{"text":"Not a problem at all.","start":1382.825,"end":1384.23,"sentiment":"neutral","sentiment_score":0.16973392367362977},{"text":"And I've got down here marital status that you are single.","start":1384.5499,"end":1387.4299,"sentiment":"neutral","sentiment_score":0.08229901709339836},{"text":"Is that still correct?","start":1387.4299,"end":1388.65,"sentiment":"neutral","sentiment_score":0.0753522552549839}],"sentiment":"neutral","sentiment_score":0.11236521127549084,"num_words":22,"start":1381.385,"end":1388.65},{"sentences":[{"text":"Yep.","start":1389.99,"end":1390.3099,"sentiment":"neutral","sentiment_score":0.14772562682628632},{"text":"Lovely.","start":1390.3099,"end":1390.71,"sentiment":"neutral","sentiment_score":0.09133193641901016},{"text":"And I've got in here financial dependence.","start":1390.71,"end":1392.5499,"sentiment":"neutral","sentiment_score":-0.05892339827758925},{"text":"You have one son at home.","start":1392.5499,"end":1393.99,"sentiment":"neutral","sentiment_score":-0.04426857208212217},{"text":"He was 18 at the time.","start":1393.99,"end":1395.77,"sentiment":"neutral","sentiment_score":-0.03467651611814896}],"sentiment":"neutral","sentiment_score":-0.030813178757116907,"num_words":21,"start":1389.99,"end":1395.77},{"sentences":[{"text":"Is he still a financial dependence still living at home?","start":1396.15,"end":1398.95,"sentiment":"neutral","sentiment_score":-0.054972318932414055},{"text":"Or okay.","start":1398.95,"end":1403.715,"sentiment":"neutral","sentiment_score":0.14449382200837135},{"text":"Perfect.","start":1403.7749,"end":1404.2749,"sentiment":"positive","sentiment_score":0.7147625684738159},{"text":"Lovely.","start":1404.495,"end":1404.995,"sentiment":"positive","sentiment_score":0.7434537410736084},{"text":"Beautiful.","start":1405.0549,"end":1405.5549,"sentiment":"positive","sentiment_score":0.6575837135314941}],"sentiment":"neutral","sentiment_score":0.12367096518476804,"num_words":15,"start":1396.15,"end":1405.5549},{"sentences":[{"text":"Another thing that sorta can factor in with the advice is your insurance aspect.","start":1406.335,"end":1410.1749,"sentiment":"neutral","sentiment_score":0.04010970039027078},{"text":"So at the moment, you do have your life and TBD component here.","start":1410.1749,"end":1413.87,"sentiment":"neutral","sentiment_score":-0.00017604797791976183},{"text":"I'm having trouble getting into MetLife to have a look at the actual policy you hold.","start":1414.11,"end":1418.11,"sentiment":"neutral","sentiment_score":-0.08973550470545888},{"text":"But with your life and TBD, I'll send through a bit of an annual review pack in the next couple of hours as well just to kind of it'll probably actually come through tomorrow.","start":1418.11,"end":1427.71,"sentiment":"neutral","sentiment_score":-0.027368674397139865},{"text":"Sorry.","start":1427.71,"end":1427.95,"sentiment":"neutral","sentiment_score":-0.09549853205680849}],"sentiment":"neutral","sentiment_score":-0.024391722501231693,"num_words":78,"start":1406.335,"end":1427.95},{"sentences":[{"text":"Because, you know, this is a bit slow today.","start":1427.95,"end":1430.075,"sentiment":"neutral","sentiment_score":-0.16717135906219482},{"text":"But, essentially, with the annual review packet, we'll also have this updated certificate of currency with regard to your insurance levels there.","start":1430.295,"end":1436.955,"sentiment":"neutral","sentiment_score":0.012909040892158042},{"text":"Based on what I have at the moment, when we last were able to catch up, your life and TPD was a bit over $100,000 in value.","start":1437.335,"end":1445.2401,"sentiment":"neutral","sentiment_score":-0.02110678454240163},{"text":"Are you happy with the life and TPD components you have at the moment?","start":1445.9401,"end":1449.6201,"sentiment":"neutral","sentiment_score":-0.00043220951088837264},{"text":"Did you wanna look at altering those amounts?","start":1449.6201,"end":1451.8,"sentiment":"neutral","sentiment_score":-0.04394714580848813}],"sentiment":"neutral","sentiment_score":-0.026850682677468284,"num_words":80,"start":1427.95,"end":1451.8},{"sentences":[{"text":"Or yep.","start":1451.9401,"end":1455.3949,"sentiment":"neutral","sentiment_score":-0.015214107930660244},{"text":"Yep.","start":1455.3949,"end":1455.7949,"sentiment":"neutral","sentiment_score":0.17269286513328552},{"text":"Beautiful.","start":1455.7949,"end":1456.2949,"sentiment":"positive","sentiment_score":0.5085331201553345},{"text":"The certificate of currency will have the updated valuations.","start":1456.595,"end":1459.4149,"sentiment":"neutral","sentiment_score":0.22713539169894326},{"text":"Your insurance policies are indexed.","start":1459.635,"end":1461.5549,"sentiment":"neutral","sentiment_score":0.09957281798124314}],"sentiment":"neutral","sentiment_score":0.17738224359022248,"num_words":18,"start":1451.9401,"end":1461.5549},{"sentences":[{"text":"They do increase every year as they go through renewal, so the amount you'll have will be higher than what we have here at the moment.","start":1461.5549,"end":1467.495,"sentiment":"neutral","sentiment_score":0.0930295016330022},{"text":"It does also mean that the insurance the premiums will keep going up as well.","start":1468.02,"end":1472.28,"sentiment":"neutral","sentiment_score":0.04037580788135529},{"text":"However, it's just important we keep reviewing those down the track there.","start":1473.38,"end":1476.98,"sentiment":"neutral","sentiment_score":0.07124301216875513},{"text":"So happy with the life and TPD, keep them at the same levels at the moment there.","start":1476.98,"end":1482.68,"sentiment":"neutral","sentiment_score":0.32703301135231466},{"text":"With your income protection policy, and an income protection is generally the first thing we claim.","start":1482.865,"end":1487.265,"sentiment":"neutral","sentiment_score":-0.02291323314420879}],"sentiment":"neutral","sentiment_score":0.10549150894634253,"num_words":86,"start":1461.5549,"end":1487.265},{"sentences":[{"text":"One, it is the most expensive part of the policy given I'm just going on the value I have at the moment, and I'll double check the value that we have.","start":1487.265,"end":1495.985,"sentiment":"neutral","sentiment_score":-0.1024154851273183},{"text":"But based on 60,000 because you can be covered for up to 70% of your income.","start":1495.985,"end":1503.02,"sentiment":"neutral","sentiment_score":0.02025181462522596},{"text":"So it'll be about 3,500.","start":1504.04,"end":1506.9401,"sentiment":"neutral","sentiment_score":0.0009298200428020209},{"text":"The income protection policy we have at the moment has a monthly benefit that you're insured for $3.04 $9.09.","start":1507.24,"end":1513.555,"sentiment":"neutral","sentiment_score":0.02577129766965906},{"text":"Again, that is indexed, so it'll be a little bit higher than what it is at the moment.","start":1513.555,"end":1517.0751,"sentiment":"neutral","sentiment_score":0.05225122616522842}],"sentiment":"neutral","sentiment_score":-0.01638405086024167,"num_words":89,"start":1487.265,"end":1517.0751},{"sentences":[{"text":"As long as you're over that or at or over that 3,500 mark, you're pretty well on par with what you can be covered for.","start":1517.0751,"end":1523.975,"sentiment":"positive","sentiment_score":0.3760099029541016},{"text":"Are you fairly comfortable with that?","start":1524.35,"end":1525.87,"sentiment":"neutral","sentiment_score":0.27479782948891324},{"text":"Are you wanting to sort of look or reassess the income protection policy at all?","start":1525.87,"end":1530.35,"sentiment":"neutral","sentiment_score":0.10422472606102626},{"text":"Or yep.","start":1530.35,"end":1532.61,"sentiment":"neutral","sentiment_score":0.0915429349988699},{"text":"Beautiful.","start":1533.39,"end":1533.89,"sentiment":"positive","sentiment_score":0.6845430135726929}],"sentiment":"neutral","sentiment_score":0.27510274133207846,"num_words":49,"start":1517.0751,"end":1533.89},{"sentences":[{"text":"As I said, I'll get the annual review pack done up, and I'll send it through to you.","start":1533.9501,"end":1537.515,"sentiment":"positive","sentiment_score":0.4460391137335036},{"text":"It will also have our ongoing service agreement, just making sure you're happy to stay on board for the next year and keep us as as your advisers.","start":1538.0751,"end":1545.055,"sentiment":"positive","sentiment_score":0.6202730100069728},{"text":"Just so you're aware, you do pay an ongoing service fee of 1.65% per annum.","start":1545.835,"end":1550.235,"sentiment":"neutral","sentiment_score":0.14301323294639587},{"text":"It is calculated and deducted out of your super fund on a monthly basis in smaller increments.","start":1550.235,"end":1555.3899,"sentiment":"neutral","sentiment_score":0.16603324080214782},{"text":"And the idea of a percentage based fee is that it fluctuates with the market.","start":1555.69,"end":1559.1299,"sentiment":"neutral","sentiment_score":0.07750615502397219}],"sentiment":"positive","sentiment_score":0.3389968197912939,"num_words":93,"start":1533.9501,"end":1559.1299},{"sentences":[{"text":"So when the market's doing really well, our fee is gonna be a little bit higher.","start":1559.1299,"end":1563.0499,"sentiment":"neutral","sentiment_score":0.030641666846349835},{"text":"However, when the fee takes sorry.","start":1563.0499,"end":1564.57,"sentiment":"neutral","sentiment_score":-0.041745838398734726},{"text":"When the market takes a bit of a dip, like what can be happening at the moment, essentially, our fee would take a bit of a dip there with it as well.","start":1564.57,"end":1571.915,"sentiment":"neutral","sentiment_score":0.008912071178201586},{"text":"But I'll make sure all of those in the annual review pack and send that through to you.","start":1572.2151,"end":1576.2151,"sentiment":"neutral","sentiment_score":0.27968593272897935},{"text":"Paying the ongoing service fee also means that there's no extra charges.","start":1576.4551,"end":1579.5599,"sentiment":"positive","sentiment_score":0.3529280871152878}],"sentiment":"neutral","sentiment_score":0.11660073513519906,"num_words":84,"start":1559.1299,"end":1579.5599},{"sentences":[{"text":"So the advice that I'm gonna provide to you is completely complimentary under the fact that you're an ongoing client for us as well.","start":1579.5599,"end":1585.88,"sentiment":"positive","sentiment_score":0.5573979566494623},{"text":"So there's no fees for that new advice piece as well.","start":1585.88,"end":1588.5199,"sentiment":"positive","sentiment_score":0.40715317834507336},{"text":"Okay?","start":1588.5199,"end":1589.0199,"sentiment":"neutral","sentiment_score":0.20427903532981873},{"text":"Yeah.","start":1591.255,"end":1591.755,"sentiment":"neutral","sentiment_score":0.039648689329624176},{"text":"It is not, unfortunately.","start":1597.975,"end":1599.355,"sentiment":"neutral","sentiment_score":-0.030421377159655094}],"sentiment":"positive","sentiment_score":0.43849946676594453,"num_words":41,"start":1579.5599,"end":1599.355},{"sentences":[{"text":"Yeah.","start":1599.975,"end":1600.475,"sentiment":"neutral","sentiment_score":-0.004844933748245239},{"text":"It's not.","start":1600.5349,"end":1601.1749,"sentiment":"neutral","sentiment_score":-0.02486977120861411},{"text":"That's just because it comes out of your super.","start":1601.1749,"end":1603.095,"sentiment":"neutral","sentiment_score":0.08417804456419414},{"text":"So your super son gets the advantages of doing that, but not in your own personal name.","start":1603.095,"end":1607.89,"sentiment":"neutral","sentiment_score":0.17756335831740322},{"text":"If you were to pay it out of your back pocket, we could look at, you know, how much that will be tax deductible, but it does mean you'd have to pay for that out of your back pocket.","start":1607.89,"end":1615.9701,"sentiment":"neutral","sentiment_score":0.0641817685861427}],"sentiment":"neutral","sentiment_score":0.09153947045834844,"num_words":68,"start":1599.975,"end":1615.9701},{"sentences":[{"text":"So it's generally easier to have it coming out of your super fund than out of your back pocket with the way living is going for all of us.","start":1615.9701,"end":1622.025,"sentiment":"neutral","sentiment_score":0.08676245705834751},{"text":"Yeah.","start":1622.265,"end":1622.765,"sentiment":"neutral","sentiment_score":0.14332009851932526},{"text":"That's okay.","start":1624.425,"end":1625.165,"sentiment":"positive","sentiment_score":0.4110150933265686},{"text":"There I have noted here, and just to double check that you don't have any trauma or any other insurances other than life keeping and income protection.","start":1626.105,"end":1633.305,"sentiment":"neutral","sentiment_score":0.020787630402655514},{"text":"Are you wanting to reevaluate any other levels of cover that might be paid out of your back pocket that might give you other cover, or you're just happy with the insurances as they are and not wanting to reassess them in in any way?","start":1633.305,"end":1644.8501,"sentiment":"neutral","sentiment_score":0.05175815183255408}],"sentiment":"neutral","sentiment_score":0.06126773455001127,"num_words":104,"start":1615.9701,"end":1644.8501},{"sentences":[{"text":"Keep it as is?","start":1646.5901,"end":1647.63,"sentiment":"neutral","sentiment_score":0.29735514521598816},{"text":"Beautiful.","start":1647.63,"end":1648.13,"sentiment":"positive","sentiment_score":0.4507083594799042},{"text":"That's okay.","start":1648.43,"end":1649.15,"sentiment":"positive","sentiment_score":0.34502218663692474},{"text":"Not a problem at all.","start":1649.15,"end":1650.345,"sentiment":"neutral","sentiment_score":0.2485632985830307},{"text":"I'll make sure that's sort of your currencies in the annual review pack so you can review the levels that you have there.","start":1650.4249,"end":1654.585,"sentiment":"neutral","sentiment_score":0.14012660734031512}],"sentiment":"neutral","sentiment_score":0.19416862215314593,"num_words":35,"start":1646.5901,"end":1654.585},{"sentences":[{"text":"I apologize MetLife isn't really working for me this morning.","start":1654.585,"end":1657.565,"sentiment":"neutral","sentiment_score":-0.15941606536507608},{"text":"Gotta love technology when it wants to do the work.","start":1658.585,"end":1661.645,"sentiment":"neutral","sentiment_score":0.07863621078431607},{"text":"Yeah.","start":1663.6799,"end":1664.0,"sentiment":"neutral","sentiment_score":0.07761040329933167},{"text":"But no.","start":1664.0,"end":1664.48,"sentiment":"neutral","sentiment_score":0.14303536713123322},{"text":"That's fantastic.","start":1664.48,"end":1665.2999,"sentiment":"positive","sentiment_score":0.5224560499191284}],"sentiment":"neutral","sentiment_score":0.024031787663698196,"num_words":25,"start":1654.585,"end":1665.2999},{"sentences":[{"text":"The only other thing I need to run through is just a bit of a risk profile questionnaire for you.","start":1665.6,"end":1670.74,"sentiment":"neutral","sentiment_score":0.06149749159812927},{"text":"Now at the moment, you are in a growth portfolio, and I've kind of gone through and answered a lot of these questions as we already have been talking, which is great.","start":1670.96,"end":1678.98,"sentiment":"neutral","sentiment_score":0.14288917882367969},{"text":"With the way you're invested at the moment, you're in a growth portfolio.","start":1679.6151,"end":1682.3551,"sentiment":"neutral","sentiment_score":0.12455469197951831},{"text":"So it generally sees about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and then commodities like gold and silver are also considered as well.","start":1682.495,"end":1694.37,"sentiment":"neutral","sentiment_score":0.07862351100672693},{"text":"Having a look at this reviewing to make sure you are invested in line with that profile and that still suits you, we've noted down when you're hoping to retire, working on that kinda ten year time horizon at the moment.","start":1695.73,"end":1706.71,"sentiment":"neutral","sentiment_score":0.09803082648573852}],"sentiment":"neutral","sentiment_score":0.10081484150141477,"num_words":140,"start":1665.6,"end":1706.71},{"sentences":[{"text":"But have you ever owned investments in your own name in the past?","start":1707.1849,"end":1710.705,"sentiment":"neutral","sentiment_score":0.013260993390129162},{"text":"Have you ever owned shares or anything outside of Superm?","start":1710.705,"end":1713.845,"sentiment":"neutral","sentiment_score":0.012891985289752484},{"text":"Yeah.","start":1719.36,"end":1719.86,"sentiment":"neutral","sentiment_score":-0.05116686969995499},{"text":"Really?","start":1724.96,"end":1725.46,"sentiment":"neutral","sentiment_score":-0.1369578242301941},{"text":"Wow.","start":1730.72,"end":1731.22,"sentiment":"neutral","sentiment_score":-0.2694927453994751}],"sentiment":"neutral","sentiment_score":-0.0060117181677084705,"num_words":26,"start":1707.1849,"end":1731.22},{"sentences":[{"text":"Wow.","start":1735.255,"end":1735.755,"sentiment":"neutral","sentiment_score":0.011663426645100117},{"text":"Well, do they give you a statement or anything?","start":1736.375,"end":1739.035,"sentiment":"neutral","sentiment_score":0.013269130554464128},{"text":"Yeah.","start":1741.495,"end":1741.995,"sentiment":"neutral","sentiment_score":0.018442347645759583},{"text":"If you ever wanted okay.","start":1742.295,"end":1745.35,"sentiment":"neutral","sentiment_score":-0.0016256950795650483},{"text":"If you wanted to maybe, at the point, email me that statement or let us know, we can always have a look and help you along with that.","start":1745.35,"end":1752.49,"sentiment":"neutral","sentiment_score":0.12815208972564765}],"sentiment":"neutral","sentiment_score":0.08476495423184877,"num_words":44,"start":1735.255,"end":1752.49},{"sentences":[{"text":"Realistically, when it comes to selling investments in your own name, there are capital gains consequences to factor in.","start":1752.63,"end":1758.405,"sentiment":"neutral","sentiment_score":0.028115979640891676},{"text":"But if you ever wanted to talk about what they are, maybe look at selling them, what the consequences would be, you're welcome to let me know.","start":1758.5651,"end":1764.005,"sentiment":"neutral","sentiment_score":0.07541685744568154},{"text":"We can help you along with that as well.","start":1764.005,"end":1765.845,"sentiment":"neutral","sentiment_score":0.2637835741043091},{"text":"Okay?","start":1765.845,"end":1766.345,"sentiment":"neutral","sentiment_score":0.13370858132839203},{"text":"Beautiful.","start":1767.765,"end":1768.265,"sentiment":"positive","sentiment_score":0.5683718323707581}],"sentiment":"neutral","sentiment_score":0.09906300604996975,"num_words":57,"start":1752.63,"end":1768.265},{"sentences":[{"text":"So when next time I send you a statement, just hold on for that one.","start":1768.3251,"end":1771.305,"sentiment":"neutral","sentiment_score":0.1213086778918902},{"text":"Had it been maybe, what, two coffees?","start":1778.9601,"end":1780.74,"sentiment":"neutral","sentiment_score":0.008327314231012548},{"text":"Oh, no.","start":1782.4,"end":1783.2001,"sentiment":"neutral","sentiment_score":0.01400444470345974},{"text":"You've gotta share that one.","start":1783.2001,"end":1784.8201,"sentiment":"neutral","sentiment_score":0.01319275125861168},{"text":"Oh, wow.","start":1784.9601,"end":1785.86,"sentiment":"neutral","sentiment_score":0.014331918209791183}],"sentiment":"neutral","sentiment_score":0.0645341241972581,"num_words":31,"start":1768.3251,"end":1785.86},{"sentences":[{"text":"Wow.","start":1790.995,"end":1791.495,"sentiment":"neutral","sentiment_score":0.03246723860502243},{"text":"Oh, that's that's funny.","start":1792.435,"end":1794.295,"sentiment":"neutral","sentiment_score":0.07609799690544605},{"text":"Not a not a worry at all.","start":1794.435,"end":1796.295,"sentiment":"neutral","sentiment_score":0.12250193634203502},{"text":"Perfect.","start":1797.235,"end":1797.635,"sentiment":"positive","sentiment_score":0.3971768021583557},{"text":"Well, you've owned shares before and you still have those somewhere in the ethers, so that's absolutely fine.","start":1797.635,"end":1802.135,"sentiment":"neutral","sentiment_score":0.21042968001630571}],"sentiment":"neutral","sentiment_score":0.17352528461525518,"num_words":31,"start":1790.995,"end":1802.135},{"sentences":[{"text":"With the the next question here is more about inflation.","start":1803.45,"end":1806.51,"sentiment":"neutral","sentiment_score":-0.030373894050717352},{"text":"So we know that markets are going up and down at the moment.","start":1806.57,"end":1808.97,"sentiment":"neutral","sentiment_score":-0.12181266196645223},{"text":"There's a lot of uncertainty out there and a lot of volatility.","start":1808.97,"end":1811.95,"sentiment":"neutral","sentiment_score":-0.17099293942252794},{"text":"If you saw your super fall in the future over the next few months there and it was down by about 10 or 20 or 30%, how do you think you might be feeling?","start":1812.65,"end":1820.615,"sentiment":"neutral","sentiment_score":-0.11207906956620076},{"text":"Are you feeling a bit concerned?","start":1820.615,"end":1822.155,"sentiment":"neutral","sentiment_score":-0.1110950435201327}],"sentiment":"neutral","sentiment_score":-0.1122196992735068,"num_words":75,"start":1803.45,"end":1822.155},{"sentences":[{"text":"You're not really worried, or you may be calling us?","start":1822.455,"end":1824.9349,"sentiment":"neutral","sentiment_score":-0.01342704240232706},{"text":"How you think you might be feeling?","start":1824.9349,"end":1826.635,"sentiment":"neutral","sentiment_score":-0.1548540091940335},{"text":"Yep.","start":1830.71,"end":1831.21,"sentiment":"neutral","sentiment_score":-0.1848888397216797},{"text":"Yep.","start":1836.0701,"end":1836.23,"sentiment":"neutral","sentiment_score":-0.07574546337127686},{"text":"Yep.","start":1836.23,"end":1836.73,"sentiment":"neutral","sentiment_score":-0.04071755334734917}],"sentiment":"neutral","sentiment_score":-0.07598001724109053,"num_words":20,"start":1822.455,"end":1836.73},{"sentences":[{"text":"Yeah.","start":1840.5651,"end":1841.0651,"sentiment":"neutral","sentiment_score":-0.011066516861319542},{"text":"Yep.","start":1844.005,"end":1844.505,"sentiment":"neutral","sentiment_score":0.012410681694746016},{"text":"Yep.","start":1845.365,"end":1845.865,"sentiment":"neutral","sentiment_score":0.050106775015592575},{"text":"Perfect.","start":1846.965,"end":1847.465,"sentiment":"positive","sentiment_score":0.4159787595272064},{"text":"When do you think about the level of risk that you're comfortable taking in order to get the best returns you can?","start":1847.765,"end":1852.905,"sentiment":"neutral","sentiment_score":0.00047392618249763143}],"sentiment":"neutral","sentiment_score":0.018379079822737437,"num_words":26,"start":1840.5651,"end":1852.905},{"sentences":[{"text":"Are you wanting to take on the highest amount of risk or a really high amount of risk to try and get the best returns you possibly can?","start":1853.14,"end":1859.24,"sentiment":"neutral","sentiment_score":-0.07050268658037696},{"text":"Are you wanting to take on a medium or moderate amount of risk to still get the best returns you can obtain, or are you not wanting to take much risk in the market knowing the returns are lower generally?","start":1859.46,"end":1868.6,"sentiment":"neutral","sentiment_score":-0.07643089513294399},{"text":"Yep.","start":1878.3949,"end":1878.8949,"sentiment":"neutral","sentiment_score":0.03469281271100044},{"text":"Where you are?","start":1880.635,"end":1881.515,"sentiment":"neutral","sentiment_score":0.019054555644591648},{"text":"Yep.","start":1881.515,"end":1882.015,"sentiment":"neutral","sentiment_score":0.031060636043548584}],"sentiment":"neutral","sentiment_score":-0.06723827279287659,"num_words":73,"start":1853.14,"end":1882.015},{"sentences":[{"text":"Yep.","start":1882.38,"end":1882.78,"sentiment":"neutral","sentiment_score":0.10959842056035995},{"text":"Beautiful.","start":1882.78,"end":1883.28,"sentiment":"positive","sentiment_score":0.426443487405777},{"text":"Not a problem.","start":1883.5,"end":1884.4,"sentiment":"neutral","sentiment_score":0.16724760830402374},{"text":"And have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for, say, property?","start":1884.78,"end":1891.92,"sentiment":"neutral","sentiment_score":0.010726808570325375},{"text":"And have you ever thought about an investment property before?","start":1892.06,"end":1894.72,"sentiment":"neutral","sentiment_score":-0.013274146802723407}],"sentiment":"neutral","sentiment_score":0.027263278265794118,"num_words":45,"start":1882.38,"end":1894.72},{"sentences":[{"text":"Yeah.","start":1897.885,"end":1898.385,"sentiment":"neutral","sentiment_score":-0.1166444718837738},{"text":"Yep.","start":1900.765,"end":1901.265,"sentiment":"neutral","sentiment_score":-0.14017203450202942},{"text":"Yep.","start":1902.765,"end":1903.265,"sentiment":"neutral","sentiment_score":-0.16209769248962402},{"text":"Yep.","start":1908.65,"end":1909.15,"sentiment":"neutral","sentiment_score":-0.04208078235387802},{"text":"Beautiful.","start":1915.53,"end":1916.03,"sentiment":"neutral","sentiment_score":0.18315443396568296}],"sentiment":"neutral","sentiment_score":-0.05556810945272446,"num_words":5,"start":1897.885,"end":1916.03},{"sentences":[{"text":"Yeah.","start":1916.65,"end":1917.05,"sentiment":"neutral","sentiment_score":0.23256263136863708},{"text":"Beautiful.","start":1917.05,"end":1917.55,"sentiment":"positive","sentiment_score":0.5395851135253906},{"text":"Excellent.","start":1917.77,"end":1918.27,"sentiment":"positive","sentiment_score":0.5409793853759766},{"text":"Well, that based into the risk profile.","start":1918.65,"end":1920.505,"sentiment":"neutral","sentiment_score":0.10008796517338071},{"text":"So having a look that you have scored in that growth environment there, now it does normally suit someone who has about six years before they're needing to or wanting to access their funds.","start":1920.505,"end":1929.0651,"sentiment":"neutral","sentiment_score":0.08348185497829143}],"sentiment":"neutral","sentiment_score":0.11027558990330859,"num_words":44,"start":1916.65,"end":1929.0651},{"sentences":[{"text":"So being that you've got ten years at the moment, you do have that time horizon to remain in that you do have that 80% in those higher risk investments of things like sorry.","start":1929.0651,"end":1939.56,"sentiment":"neutral","sentiment_score":0.009063425309517804},{"text":"International shares, domestic shares, a bit of commodities like gold and silver often, and also a bit of property there, which is good.","start":1939.56,"end":1946.92,"sentiment":"neutral","sentiment_score":0.1278325416471647},{"text":"That's where you get a lot of the growth from, but it's also where we see the market fluctuations that can make us a little bit nervous.","start":1946.92,"end":1952.975,"sentiment":"neutral","sentiment_score":-0.08015796073057034},{"text":"The other 20% is in lower risk investments, the things like cash, bonds, and fixed interest.","start":1953.515,"end":1958.475,"sentiment":"neutral","sentiment_score":0.0179216651013121},{"text":"They tend to get a lower rate of return, but they don't fluctuate and grow as much in those volatile times.","start":1958.475,"end":1964.655,"sentiment":"neutral","sentiment_score":0.0033192717071090427}],"sentiment":"neutral","sentiment_score":0.0119048869930023,"num_words":121,"start":1929.0651,"end":1964.655},{"sentences":[{"text":"So having a mix of those is sort of where you wanna be, and you do have the time horizon for that one.","start":1965.4199,"end":1970.24,"sentiment":"neutral","sentiment_score":0.13365216682786527},{"text":"It was sort of aiming for an expected annual return compounding of about seven to 9% with this sort of a portfolio.","start":1970.5399,"end":1976.6399,"sentiment":"neutral","sentiment_score":0.13174467872489581},{"text":"Anything above that is great and you're, you know, overachieving for the year.","start":1976.7799,"end":1981.485,"sentiment":"positive","sentiment_score":0.3991253994978391},{"text":"Anything under that is technically, you know, not quite meeting the expectation that we have, but we do understand markets do fluctuate.","start":1981.625,"end":1988.365,"sentiment":"neutral","sentiment_score":-0.19540566781705077},{"text":"And we have years where you might get a 20% return, years where you might only get a 5% return.","start":1988.425,"end":1993.48,"sentiment":"neutral","sentiment_score":-0.15203123167157173}],"sentiment":"neutral","sentiment_score":0.038214636370539665,"num_words":100,"start":1965.4199,"end":1993.48},{"sentences":[{"text":"And we do expect with this sort of environment that the likelihood of a negative return could be about one in every five years.","start":1993.48,"end":2000.38,"sentiment":"neutral","sentiment_score":-0.2811531809469064},{"text":"Do you feel like knowing that you're comfortable staying where you are at the moment?","start":2000.52,"end":2004.2201,"sentiment":"neutral","sentiment_score":0.04791025891900062},{"text":"Yep.","start":2005.4451,"end":2005.925,"sentiment":"neutral","sentiment_score":0.0802837535738945},{"text":"Yep.","start":2005.925,"end":2006.245,"sentiment":"neutral","sentiment_score":0.1627325713634491},{"text":"Beautiful.","start":2006.245,"end":2006.745,"sentiment":"positive","sentiment_score":0.5000303983688354}],"sentiment":"neutral","sentiment_score":-0.12585656513415633,"num_words":42,"start":1993.48,"end":2006.745},{"sentences":[{"text":"Excellent.","start":2006.885,"end":2007.385,"sentiment":"positive","sentiment_score":0.4831523895263672},{"text":"So I'll keep looking at the growth portfolio.","start":2007.525,"end":2009.4651,"sentiment":"neutral","sentiment_score":0.11027821339666843},{"text":"I'll go back and just re have a look at the way your investments are structured, maybe look at if there's a way to alter a few things.","start":2009.525,"end":2016.245,"sentiment":"neutral","sentiment_score":0.019884536708039895},{"text":"I replace that Benelung Australian Equities and look at something that might be a little bit better for you.","start":2016.245,"end":2021.63,"sentiment":"neutral","sentiment_score":-0.01890992539885797},{"text":"I'll look at something.","start":2021.9299,"end":2022.8899,"sentiment":"neutral","sentiment_score":0.0027272735023871064}],"sentiment":"neutral","sentiment_score":0.026229427265934645,"num_words":60,"start":2006.885,"end":2022.8899},{"sentences":[{"text":"So Benelung was more of an actively managed part of your portfolio.","start":2022.8899,"end":2026.4099,"sentiment":"neutral","sentiment_score":0.039093004539608955},{"text":"They're an active manager.","start":2026.4099,"end":2027.71,"sentiment":"neutral","sentiment_score":0.06881958059966564},{"text":"Their job is to be trying to buy and sell and outperform against the indices or the market segment that they're trying to track.","start":2028.09,"end":2035.185,"sentiment":"neutral","sentiment_score":0.04495499391729633},{"text":"They haven't actually done that, and they've had a few underlying issues.","start":2035.7251,"end":2038.685,"sentiment":"neutral","sentiment_score":-0.1093609668314457},{"text":"So we do wanna remove that there.","start":2038.685,"end":2041.0851,"sentiment":"neutral","sentiment_score":-0.035932450156126707}],"sentiment":"neutral","sentiment_score":0.004397550471505876,"num_words":59,"start":2022.8899,"end":2041.0851},{"sentences":[{"text":"We are looking at putting you into something a bit more passively managed.","start":2041.0851,"end":2044.2051,"sentiment":"neutral","sentiment_score":0.01268647897701997},{"text":"So the idea of a passively managed portfolio was that attract the market, which when you think about active manager and trying to outperform the market to do so, you have to be trying to time the market, trying to buy and sell in at the right time, and there's a risk that active managers aren't gonna make that or and they definitely don't do that every year.","start":2044.2051,"end":2061.415,"sentiment":"neutral","sentiment_score":0.028971708050983792},{"text":"So often having something a bit cheaper like a passively managed index fund can actually get you better returns because you're just participating in the market.","start":2061.475,"end":2070.435,"sentiment":"positive","sentiment_score":0.36776125316436475},{"text":"You're just sitting in through those downtimes, taking advantage, and putting money in, and not trying to time the market.","start":2070.435,"end":2076.72,"sentiment":"neutral","sentiment_score":0.3320311404764652},{"text":"And often, passive managers outperform greater than than active managers do.","start":2076.72,"end":2082.88,"sentiment":"positive","sentiment_score":0.4464581717144359}],"sentiment":"neutral","sentiment_score":0.16846706996253435,"num_words":138,"start":2041.0851,"end":2082.88},{"sentences":[{"text":"They actually provide greater returns over longer term.","start":2082.88,"end":2085.5999,"sentiment":"positive","sentiment_score":0.6046918109059334},{"text":"So if you're happy with me looking at something like that, I'll go back and review the different investment options we have, and I can incorporate that salary sacrifice there for you.","start":2085.5999,"end":2094.275,"sentiment":"neutral","sentiment_score":0.27859586849808693},{"text":"Does that make sense?","start":2094.275,"end":2095.075,"sentiment":"neutral","sentiment_score":0.14210090599954128},{"text":"Do you have any questions?","start":2095.075,"end":2096.1948,"sentiment":"neutral","sentiment_score":0.06952322125434876},{"text":"You're welcome to ask me anything you like, Carly.","start":2096.1948,"end":2098.535,"sentiment":"neutral","sentiment_score":0.17974721805916893}],"sentiment":"neutral","sentiment_score":0.28079908572394274,"num_words":58,"start":2082.88,"end":2098.535},{"sentences":[{"text":"Yep.","start":2100.63,"end":2101.03,"sentiment":"neutral","sentiment_score":0.3055088222026825},{"text":"Beautiful.","start":2101.03,"end":2101.53,"sentiment":"positive","sentiment_score":0.6531682014465332},{"text":"Excellent.","start":2102.47,"end":2102.97,"sentiment":"positive","sentiment_score":0.6875038146972656},{"text":"I'll keep you that growth environment there.","start":2103.27,"end":2105.1099,"sentiment":"positive","sentiment_score":0.5017627264772143},{"text":"I'll just note that we're looking at the super side of things.","start":2105.1099,"end":2107.75,"sentiment":"neutral","sentiment_score":0.11057497002184391}],"sentiment":"neutral","sentiment_score":0.2947917983613231,"num_words":22,"start":2100.63,"end":2107.75},{"sentences":[{"text":"We're not looking at altering anything with regard to the insurances.","start":2107.75,"end":2111.45,"sentiment":"neutral","sentiment_score":0.003571588376706297},{"text":"Because they are paid out of your super, it will be scoped into the advisers on a limited basis just because your your cons premiums come out of super, so it does have a long term effect on your super.","start":2112.075,"end":2122.4949,"sentiment":"neutral","sentiment_score":0.13055738685652613},{"text":"But I'll just have that scoped in as a bit of a limit to show you the outcome.","start":2122.875,"end":2126.895,"sentiment":"neutral","sentiment_score":0.08181564220123821},{"text":"I'll also factor in the retirement aspect just having a look at where we're heading over the next ten years and what that might look like for you.","start":2127.74,"end":2134.48,"sentiment":"neutral","sentiment_score":0.13673169831080095},{"text":"Okay?","start":2134.54,"end":2135.04,"sentiment":"neutral","sentiment_score":0.0904848724603653}],"sentiment":"neutral","sentiment_score":0.10870649929785607,"num_words":98,"start":2107.75,"end":2135.04},{"sentences":[{"text":"The only other thing I'm just looking at here is just your sorry.","start":2136.7,"end":2141.28,"sentiment":"neutral","sentiment_score":-0.03581544928825819},{"text":"The your beneficiary nominations here.","start":2141.5798,"end":2145.445,"sentiment":"neutral","sentiment_score":-0.043228736519813536},{"text":"Now having a look back, I can't see whether anyone's ever called up and asked you about if you've got a will or power of attorney set up.","start":2145.445,"end":2152.885,"sentiment":"neutral","sentiment_score":-0.03881977704752769},{"text":"Have you ever drafted a will or power of attorney?","start":2152.885,"end":2155.465,"sentiment":"neutral","sentiment_score":-0.007240429520606995},{"text":"Yep.","start":2159.66,"end":2160.16,"sentiment":"neutral","sentiment_score":-0.05755293369293213}],"sentiment":"neutral","sentiment_score":-0.03330974578203862,"num_words":57,"start":2136.7,"end":2160.16},{"sentences":[{"text":"Yep.","start":2162.14,"end":2162.64,"sentiment":"neutral","sentiment_score":-0.004490870516747236},{"text":"That is date.","start":2169.6748,"end":2170.575,"sentiment":"neutral","sentiment_score":-0.03348780609667301},{"text":"Okay.","start":2173.6748,"end":2174.1748,"sentiment":"neutral","sentiment_score":0.036058470606803894},{"text":"Yes.","start":2174.4749,"end":2174.9749,"sentiment":"neutral","sentiment_score":0.06363232433795929},{"text":"Yes.","start":2177.835,"end":2178.335,"sentiment":"neutral","sentiment_score":0.09139080345630646}],"sentiment":"neutral","sentiment_score":0.012303901370614767,"num_words":7,"start":2162.14,"end":2178.335},{"sentences":[{"text":"Yes.","start":2178.875,"end":2179.275,"sentiment":"neutral","sentiment_score":0.2832455039024353},{"text":"I've got a 100% here through Finley, and he's nominated.","start":2179.275,"end":2183.355,"sentiment":"positive","sentiment_score":0.4974313169717789},{"text":"It's a binding, non lapsing nomination, which is great.","start":2183.355,"end":2186.07,"sentiment":"positive","sentiment_score":0.6414473354816437},{"text":"Essentially, it means it is bound the trustee to follow the direction there, and non lapsing means that it you don't have to keep filling out this form every couple of years.","start":2186.45,"end":2193.99,"sentiment":"positive","sentiment_score":0.34147607581689954},{"text":"It only has to be updated or revoked if something changes for you, if you wish to change the nomination.","start":2194.21,"end":2199.445,"sentiment":"neutral","sentiment_score":0.18026070892810822}],"sentiment":"positive","sentiment_score":0.3550421291341384,"num_words":72,"start":2178.875,"end":2199.445},{"sentences":[{"text":"Now Finley, he is your child.","start":2200.385,"end":2202.885,"sentiment":"neutral","sentiment_score":0.11434061576922734},{"text":"He's is he technically a financial dependent on you?","start":2203.5051,"end":2206.5452,"sentiment":"neutral","sentiment_score":0.05239229525129},{"text":"Does he still no.","start":2206.5452,"end":2209.3901,"sentiment":"neutral","sentiment_score":-0.02750209718942642},{"text":"That's okay.","start":2209.45,"end":2210.27,"sentiment":"neutral","sentiment_score":0.030231544747948647},{"text":"That's okay.","start":2210.57,"end":2211.3901,"sentiment":"neutral","sentiment_score":0.10516281425952911}],"sentiment":"neutral","sentiment_score":0.057319768744966255,"num_words":23,"start":2200.385,"end":2211.3901},{"sentences":[{"text":"So with the difference in the beneficiary nominations, he's eligible to be a beneficiary, which is absolutely fine and can be nominated this way.","start":2211.61,"end":2220.51,"sentiment":"neutral","sentiment_score":0.29362420613567036},{"text":"It does mean, though, because he's not a tax dependent, if in the event that you would have passed away, and we hope this never happens, but if he was to receive the benefit, which he can, he would have to pay tax on the benefit received.","start":2220.8901,"end":2232.925,"sentiment":"neutral","sentiment_score":0.018043984916615994},{"text":"It's up to 17%.","start":2232.925,"end":2234.705,"sentiment":"neutral","sentiment_score":0.10434876754879951},{"text":"They cover 15% plus the Medicare levy.","start":2235.085,"end":2237.745,"sentiment":"neutral","sentiment_score":0.10060953029564448},{"text":"Are you happy, Jeff, with the way he's receiving the benefit?","start":2238.1702,"end":2242.4302,"sentiment":"positive","sentiment_score":0.40857824412259186}],"sentiment":"neutral","sentiment_score":0.14528033017150818,"num_words":93,"start":2211.61,"end":2242.4302},{"sentences":[{"text":"Did you wanna sort of look at it as a more of a tax effective strategy, or are you happy just to have him noted and have that money paid to him in the event that something was to happen?","start":2242.6501,"end":2251.3901,"sentiment":"neutral","sentiment_score":0.28173269107937815},{"text":"Yeah.","start":2255.315,"end":2255.815,"sentiment":"neutral","sentiment_score":0.03750977665185928},{"text":"Yeah.","start":2256.355,"end":2256.855,"sentiment":"neutral","sentiment_score":0.06630883365869522},{"text":"Yeah.","start":2257.155,"end":2257.655,"sentiment":"neutral","sentiment_score":0.037701621651649475},{"text":"They have yeah.","start":2257.795,"end":2261.975,"sentiment":"neutral","sentiment_score":-0.03342377456525961}],"sentiment":"neutral","sentiment_score":0.24588166416177284,"num_words":46,"start":2242.6501,"end":2261.975},{"sentences":[{"text":"It's yeah.","start":2262.675,"end":2267.49,"sentiment":"neutral","sentiment_score":-0.07723697647452354},{"text":"They do.","start":2267.49,"end":2268.15,"sentiment":"neutral","sentiment_score":-0.03698168136179447},{"text":"The yeah.","start":2269.73,"end":2275.99,"sentiment":"neutral","sentiment_score":-0.06488816998898983},{"text":"They don't have.","start":2276.13,"end":2277.27,"sentiment":"neutral","sentiment_score":-0.15274634957313538},{"text":"Yeah.","start":2278.345,"end":2278.845,"sentiment":"neutral","sentiment_score":0.1270073652267456}],"sentiment":"neutral","sentiment_score":-0.06894453391432762,"num_words":10,"start":2262.675,"end":2278.845},{"sentences":[{"text":"Absolutely.","start":2278.905,"end":2279.405,"sentiment":"neutral","sentiment_score":0.32945990562438965},{"text":"It's just because the money is paid in the super it is taxed inside super, and that's all fine.","start":2280.105,"end":2284.905,"sentiment":"neutral","sentiment_score":0.274163850828221},{"text":"But when they've essentially, if you were to pass away, if the taxable component is paid to him as a nontax dependent, it it goes into his name, and then he is required to pay tax on the funds.","start":2284.905,"end":2294.91,"sentiment":"neutral","sentiment_score":0.08182391223426048},{"text":"And it generally is up to 70%, so it can reduce the amount that he receives.","start":2295.5298,"end":2300.0298,"sentiment":"positive","sentiment_score":0.35991584695875645},{"text":"It's actually a taxable component, which most of our super is taxable component because it's all from our employer and salary sacrifice and things like that.","start":2300.8098,"end":2308.415,"sentiment":"neutral","sentiment_score":0.1395940686074587}],"sentiment":"neutral","sentiment_score":0.17938420775872055,"num_words":101,"start":2278.905,"end":2308.415},{"sentences":[{"text":"There is another way where if you had it directed through to your estate, that it gets lumped in with the rest of your assets.","start":2308.955,"end":2316.475,"sentiment":"neutral","sentiment_score":0.1780750522017479},{"text":"It just needs to then be noted in your will.","start":2316.475,"end":2318.8152,"sentiment":"neutral","sentiment_score":0.17316367030143737},{"text":"It can help to depending on how your will is set up, it can then help to reduce the amount of tax you pay.","start":2319.1702,"end":2325.4302,"sentiment":"positive","sentiment_score":0.3628542609512806},{"text":"It only really saves about 2%.","start":2325.6501,"end":2328.29,"sentiment":"positive","sentiment_score":0.4298433760801951},{"text":"The Medicare levy isn't generally paid on it, and there still is tax consequences within the estate process.","start":2328.29,"end":2335.085,"sentiment":"neutral","sentiment_score":-0.030802299578984577}],"sentiment":"neutral","sentiment_score":0.2038148690957621,"num_words":83,"start":2308.955,"end":2335.085},{"sentences":[{"text":"But it's completely up to you.","start":2336.585,"end":2338.5051,"sentiment":"neutral","sentiment_score":0.15076053515076637},{"text":"Having it the way it is now, there is that extra 2% tax that he may have to pay on the taxable component, which reduces the amount that he may be eligible to receive, but he can receive it faster through the beneficiary nomination you have.","start":2338.5051,"end":2353.09,"sentiment":"neutral","sentiment_score":0.2756009464678557},{"text":"Otherwise, we can direct it through to your estate.","start":2353.63,"end":2356.21,"sentiment":"neutral","sentiment_score":0.2482450803120931},{"text":"You have it lumped in with everything else, and your estate transfers it to him.","start":2356.27,"end":2360.61,"sentiment":"neutral","sentiment_score":0.2996227073172728},{"text":"You can have it set up in a way of a trust so it pays out more tax effectively to him, or you can have it set as a regular income stream if you needed to.","start":2360.975,"end":2369.395,"sentiment":"neutral","sentiment_score":0.12575064992739093}],"sentiment":"neutral","sentiment_score":0.22176586141410684,"num_words":112,"start":2336.585,"end":2369.395},{"sentences":[{"text":"It's up to you on how you would prefer it to be structured.","start":2369.7751,"end":2372.435,"sentiment":"neutral","sentiment_score":0.12391209602355957},{"text":"There's lots of things.","start":2375.7598,"end":2376.88,"sentiment":"neutral","sentiment_score":0.01858528726734221},{"text":"Hey.","start":2376.88,"end":2377.38,"sentiment":"neutral","sentiment_score":0.02291722595691681},{"text":"Yeah.","start":2384.48,"end":2384.7998,"sentiment":"neutral","sentiment_score":0.017512667924165726},{"text":"Absolutely.","start":2384.7998,"end":2385.2998,"sentiment":"neutral","sentiment_score":0.02567637525498867}],"sentiment":"neutral","sentiment_score":0.08756523332558572,"num_words":20,"start":2369.7751,"end":2385.2998},{"sentences":[{"text":"Yeah.","start":2393.7551,"end":2394.2551,"sentiment":"neutral","sentiment_score":0.015103094279766084},{"text":"Yeah.","start":2400.17,"end":2400.67,"sentiment":"neutral","sentiment_score":0.009325753897428513},{"text":"No.","start":2408.25,"end":2408.5698,"sentiment":"neutral","sentiment_score":-0.06810341775417328},{"text":"So they're two very separate things.","start":2408.5698,"end":2410.785,"sentiment":"neutral","sentiment_score":-0.05064248479902744},{"text":"So your beneficiary looks after your super and your life insurance if your beneficiary is set up that way the same way.","start":2410.785,"end":2417.365,"sentiment":"neutral","sentiment_score":0.009639718908477913}],"sentiment":"neutral","sentiment_score":-0.004369537496278363,"num_words":31,"start":2393.7551,"end":2417.365},{"sentences":[{"text":"They are not automatic estate assets.","start":2418.065,"end":2420.085,"sentiment":"neutral","sentiment_score":-0.02004276930044095},{"text":"So estate assets are things like your house, your car, your savings account, everything outside of super.","start":2420.145,"end":2425.365,"sentiment":"neutral","sentiment_score":0.004026838578283787},{"text":"Super and life insurances are held completely separate, and that's why you have beneficiary nominations on those to direct either to your estate to be put in with everything else and then directed out as per your wishes, or the beneficiary nomination acts completely separate to your super and your life cover.","start":2425.63,"end":2443.785,"sentiment":"neutral","sentiment_score":0.024658067402644798},{"text":"So at the moment, the way it is sort of set up is your everything outside of super would be directed to your will, to your estate, and that is distributed as per your current will and testament.","start":2443.785,"end":2456.73,"sentiment":"neutral","sentiment_score":0.021515874927373307},{"text":"Your super, with it being nominated to Finley and your life insurance, if that's nominated the same way, would then be paid to him.","start":2457.35,"end":2464.97,"sentiment":"neutral","sentiment_score":0.06124353144938747}],"sentiment":"neutral","sentiment_score":0.02567786238679703,"num_words":137,"start":2418.065,"end":2464.97},{"sentences":[{"text":"He makes a claim on the estate.","start":2465.435,"end":2467.035,"sentiment":"neutral","sentiment_score":0.058252189840589254},{"text":"We would help him with that, and then he gets that that all that money paid to him.","start":2467.035,"end":2472.4949,"sentiment":"neutral","sentiment_score":0.1114851762023237},{"text":"Yeah.","start":2474.155,"end":2474.475,"sentiment":"neutral","sentiment_score":0.05672261863946915},{"text":"They act very much completely separate.","start":2474.475,"end":2477.215,"sentiment":"neutral","sentiment_score":0.12042932771146297},{"text":"Yeah.","start":2477.275,"end":2477.775,"sentiment":"neutral","sentiment_score":0.06229758262634277}],"sentiment":"neutral","sentiment_score":0.09866953539577397,"num_words":33,"start":2465.435,"end":2477.775},{"sentences":[{"text":"That's okay?","start":2480.04,"end":2480.78,"sentiment":"neutral","sentiment_score":-0.0016526770778000355},{"text":"That's okay.","start":2482.2002,"end":2483.02,"sentiment":"neutral","sentiment_score":0.03435748629271984},{"text":"If absolutely.","start":2483.48,"end":2484.62,"sentiment":"neutral","sentiment_score":0.006450208835303782},{"text":"If you wanted to, we're it's fine to leave the nomination as it is.","start":2484.84,"end":2487.8,"sentiment":"neutral","sentiment_score":0.09265025186219386},{"text":"I mean, as I said, this is always just placed in there in case something happens to you.","start":2487.8,"end":2492.295,"sentiment":"neutral","sentiment_score":0.15178763742248216}],"sentiment":"neutral","sentiment_score":0.10809450094146948,"num_words":38,"start":2480.04,"end":2492.295},{"sentences":[{"text":"We realistically hope that nothing happens, that you live your life, you you know, get to retirement and can draw your own sleep out and enjoy it.","start":2492.375,"end":2499.275,"sentiment":"positive","sentiment_score":0.34003525917176847},{"text":"But it's always there just in the in the case that something you know, the one percent of something was happened that you passed away prematurely.","start":2499.4949,"end":2505.595,"sentiment":"neutral","sentiment_score":-0.0819222588235369},{"text":"So if you want, you're fine to leave the beneficiary nomination as it is.","start":2505.895,"end":2509.9502,"sentiment":"neutral","sentiment_score":0.30236930400133133},{"text":"It is completely valid and does mean that Finley gets the benefit.","start":2509.9502,"end":2513.33,"sentiment":"positive","sentiment_score":0.40301377574602765},{"text":"It's just because he's a nontax dependent.","start":2513.79,"end":2515.9502,"sentiment":"neutral","sentiment_score":0.18509926966258458}],"sentiment":"neutral","sentiment_score":0.20251167117249827,"num_words":86,"start":2492.375,"end":2515.9502},{"sentences":[{"text":"Unfortunately, it's a little bit tax that he would, you know, would have to be accounted for.","start":2515.9502,"end":2520.1301,"sentiment":"neutral","sentiment_score":-0.1874252803185407},{"text":"But you're fine to leave it that way so then down the track, we can always revisit that and sort of look at what you wanted to have happen down the track.","start":2521.23,"end":2528.5552,"sentiment":"neutral","sentiment_score":0.07761039701290429},{"text":"Yeah?","start":2528.5552,"end":2529.0552,"sentiment":"neutral","sentiment_score":0.04936201497912407},{"text":"Perfect.","start":2530.3152,"end":2530.8152,"sentiment":"positive","sentiment_score":0.4942794442176819},{"text":"There's also other strategies.","start":2531.1152,"end":2532.5552,"sentiment":"neutral","sentiment_score":0.21511004120111465}],"sentiment":"neutral","sentiment_score":0.012752446599982002,"num_words":55,"start":2515.9502,"end":2532.5552},{"sentences":[{"text":"So when you get to about the age of 60, there's also other strategies that we can put in place to increase the tax free component.","start":2532.5552,"end":2540.17,"sentiment":"neutral","sentiment_score":0.1578969694674015},{"text":"That way, if you want that paid directly to him, we increase the tax free side of your super fund, which means he doesn't pay tax on the tax free component.","start":2540.31,"end":2548.47,"sentiment":"neutral","sentiment_score":0.21476328637330763},{"text":"It's only the taxable.","start":2548.47,"end":2549.6099,"sentiment":"neutral","sentiment_score":0.1344717312604189},{"text":"So there are strategies down the track that we can put in place to limit the amount of tax that he would have to pay and to maximize your super benefit for him without having to change the beneficiary nomination.","start":2549.99,"end":2561.125,"sentiment":"neutral","sentiment_score":0.2585535541176796},{"text":"So there's always that option that we have down the track as well.","start":2561.345,"end":2564.385,"sentiment":"neutral","sentiment_score":0.1840469642327382}],"sentiment":"neutral","sentiment_score":0.2108387956885915,"num_words":114,"start":2532.5552,"end":2564.385},{"sentences":[{"text":"Okay.","start":2564.385,"end":2564.885,"sentiment":"neutral","sentiment_score":0.16886165738105774},{"text":"Yep.","start":2565.6,"end":2566.08,"sentiment":"positive","sentiment_score":0.3468022048473358},{"text":"Perfect.","start":2566.08,"end":2566.56,"sentiment":"positive","sentiment_score":0.518139123916626},{"text":"So there's a lot to this estate planning side of things, and there's a lot to the legislation of it.","start":2566.56,"end":2571.3801,"sentiment":"neutral","sentiment_score":0.03986124629154801},{"text":"It's not things that we absolutely.","start":2572.9602,"end":2575.7002,"sentiment":"neutral","sentiment_score":-0.057642304648955665}],"sentiment":"neutral","sentiment_score":0.051212899451111925,"num_words":29,"start":2564.385,"end":2575.7002},{"sentences":[{"text":"Absolutely.","start":2576.1602,"end":2576.6602,"sentiment":"neutral","sentiment_score":0.019405582919716835},{"text":"Like, even if it is directed to the estate, there are taxation consequences.","start":2576.7202,"end":2580.26,"sentiment":"neutral","sentiment_score":-0.19966244754882959},{"text":"It's just that it's limiting it depending on how you have your will set up.","start":2580.665,"end":2584.445,"sentiment":"neutral","sentiment_score":-0.32964583933353425},{"text":"So, you know, there's all they see us coming in every direction.","start":2584.905,"end":2587.705,"sentiment":"neutral","sentiment_score":-0.0804471413915356},{"text":"Doesn't matter what we're doing, what happens to us, they see us coming.","start":2587.705,"end":2590.925,"sentiment":"neutral","sentiment_score":-0.10514986515045166}],"sentiment":"neutral","sentiment_score":-0.1824668105346737,"num_words":54,"start":2576.1602,"end":2590.925},{"sentences":[{"text":"That's it.","start":2596.54,"end":2597.36,"sentiment":"negative","sentiment_score":-0.3345347195863724},{"text":"Absolutely.","start":2600.78,"end":2601.28,"sentiment":"neutral","sentiment_score":0.13814978301525116},{"text":"Well, I'll tell you what.","start":2601.5,"end":2602.14,"sentiment":"neutral","sentiment_score":0.09280517399311065},{"text":"What I'll do is I'll try and make things a bit better for you.","start":2602.14,"end":2604.3,"sentiment":"neutral","sentiment_score":0.24911739783627646},{"text":"I'll go back into the research around the the super the investments and the salary sacrifice component.","start":2604.3,"end":2610.125,"sentiment":"neutral","sentiment_score":0.1525735732387094}],"sentiment":"neutral","sentiment_score":0.15421796227112794,"num_words":39,"start":2596.54,"end":2610.125},{"sentences":[{"text":"We'll update a plan.","start":2610.5051,"end":2611.5452,"sentiment":"neutral","sentiment_score":0.20488296076655388},{"text":"It'll just take a couple of weeks to get sorted, and then I'll come back and we'll go through the advice documents together, and then you can let me know what you're comfortable taking on board.","start":2611.5452,"end":2618.905,"sentiment":"neutral","sentiment_score":0.1782867560784022},{"text":"Does that sound alright?","start":2618.905,"end":2619.965,"sentiment":"neutral","sentiment_score":0.1287310179322958},{"text":"Yep.","start":2621.13,"end":2621.63,"sentiment":"neutral","sentiment_score":0.21147315204143524},{"text":"Beautiful.","start":2621.7698,"end":2622.25,"sentiment":"positive","sentiment_score":0.5824702978134155}],"sentiment":"neutral","sentiment_score":0.18579831703201585,"num_words":46,"start":2610.5051,"end":2622.25},{"sentences":[{"text":"Lovely.","start":2622.25,"end":2622.65,"sentiment":"positive","sentiment_score":0.569510817527771},{"text":"Well, thank you so much for that.","start":2622.65,"end":2623.69,"sentiment":"positive","sentiment_score":0.559412556035178},{"text":"As I mentioned, I'll get the annual review pack sent out to you probably tomorrow.","start":2623.69,"end":2627.15,"sentiment":"neutral","sentiment_score":0.2761852542559306},{"text":"It does have the ongoing service agreement for the next twelve months.","start":2627.6099,"end":2630.49,"sentiment":"neutral","sentiment_score":0.20213893552621207},{"text":"It has the financial services guide in there, which has got a lovely photo of me and a bit of information on myself and my registration information as a licensed adviser for you.","start":2630.49,"end":2639.235,"sentiment":"neutral","sentiment_score":0.25722540598927124}],"sentiment":"neutral","sentiment_score":0.28738651687608047,"num_words":68,"start":2622.25,"end":2639.235},{"sentences":[{"text":"It's also going to have a probably a lost super search as well.","start":2639.695,"end":2643.855,"sentiment":"neutral","sentiment_score":0.15831320675519797},{"text":"We like to make the ATO do a bit of work, and we do get a lost super search every so often so we can send that to the ATO and make them go out there and see if there's any money in the ether anywhere that we can consolidate for you as well.","start":2643.855,"end":2655.2798,"sentiment":"neutral","sentiment_score":0.18334400336499568},{"text":"It'll also have your certificate of currency with the updated insurance information.","start":2656.22,"end":2659.9,"sentiment":"neutral","sentiment_score":0.22450931866963705},{"text":"So have a bit of a look at that and let me know if there's any questions that you have in relation to it.","start":2659.9,"end":2664.105,"sentiment":"neutral","sentiment_score":0.23724483015636602},{"text":"And then we'll just have I think we'll also pop in there a tax file consent form.","start":2664.585,"end":2669.065,"sentiment":"neutral","sentiment_score":0.11469948642394122}],"sentiment":"neutral","sentiment_score":0.1858043907210231,"num_words":120,"start":2639.695,"end":2669.065},{"sentences":[{"text":"So we hold your tax phone number because we look after your super and your life cover.","start":2669.065,"end":2673.565,"sentiment":"neutral","sentiment_score":0.10517292469739914},{"text":"So we just have to make sure you're aware that we do hold your tax phone number there.","start":2673.945,"end":2677.79,"sentiment":"neutral","sentiment_score":0.04183313136713372},{"text":"Okay?","start":2677.79,"end":2678.19,"sentiment":"neutral","sentiment_score":0.08325324952602386},{"text":"But all those documents will be in there for you to review, have a look at, and then you can sign and return those back when you're ready.","start":2678.19,"end":2684.11,"sentiment":"neutral","sentiment_score":0.15231692711157457},{"text":"Okay?","start":2684.11,"end":2684.61,"sentiment":"neutral","sentiment_score":0.15800243616104126}],"sentiment":"neutral","sentiment_score":0.10841639583500531,"num_words":65,"start":2669.065,"end":2684.61},{"sentences":[{"text":"Beautiful.","start":2686.43,"end":2686.91,"sentiment":"positive","sentiment_score":0.7465895414352417},{"text":"Do you have any questions?","start":2686.91,"end":2688.03,"sentiment":"neutral","sentiment_score":0.2962721407413483},{"text":"I know I've asked you everything under this one.","start":2688.03,"end":2690.2048,"sentiment":"neutral","sentiment_score":0.15068704469336403},{"text":"Is there anything you wanted to ask me about myself, about the advice, about anything that we've gone through?","start":2690.2048,"end":2695.025,"sentiment":"neutral","sentiment_score":0.07155216328407589},{"text":"Oh, beautiful.","start":2698.045,"end":2698.785,"sentiment":"positive","sentiment_score":0.5894708335399628}],"sentiment":"neutral","sentiment_score":0.17007128935721186,"num_words":36,"start":2686.43,"end":2698.785},{"sentences":[{"text":"Not a problem at all, Carly.","start":2698.9248,"end":2700.2048,"sentiment":"positive","sentiment_score":0.48537469406922656},{"text":"Thank you so much for your time this morning.","start":2700.2048,"end":2701.805,"sentiment":"positive","sentiment_score":0.8182001842392815},{"text":"I hope you have a lovely Easter.","start":2701.805,"end":2703.4248,"sentiment":"positive","sentiment_score":0.7700148565428597},{"text":"I'll get cracking on the research.","start":2703.7,"end":2705.06,"sentiment":"positive","sentiment_score":0.692326694726944},{"text":"We'll come back in a couple of weeks' time and go shoot that one.","start":2705.06,"end":2707.54,"sentiment":"positive","sentiment_score":0.3938347803694861}],"sentiment":"positive","sentiment_score":0.6031857359976995,"num_words":42,"start":2698.9248,"end":2707.54},{"sentences":[{"text":"Okay.","start":2707.54,"end":2708.04,"sentiment":"positive","sentiment_score":0.4724043011665344},{"text":"My pleasure.","start":2710.02,"end":2710.82,"sentiment":"positive","sentiment_score":0.7909629642963409},{"text":"Anytime.","start":2710.82,"end":2711.32,"sentiment":"positive","sentiment_score":0.637025773525238},{"text":"You have a lovely day.","start":2711.3801,"end":2712.5,"sentiment":"positive","sentiment_score":0.7629298448562623},{"text":"Thank you.","start":2712.5,"end":2713.32,"sentiment":"positive","sentiment_score":0.6668696105480194}],"sentiment":"positive","sentiment_score":0.7127040407874368,"num_words":11,"start":2707.54,"end":2713.32},{"sentences":[{"text":"Thanks.","start":2714.02,"end":2714.52,"sentiment":"positive","sentiment_score":0.5745316743850708},{"text":"See you later.","start":2714.6602,"end":2715.3,"sentiment":"positive","sentiment_score":0.4435032208760579},{"text":"Bye.","start":2715.3,"end":2715.8,"sentiment":"neutral","sentiment_score":-0.09992800652980804}],"sentiment":"positive","sentiment_score":0.3610226660966873,"num_words":5,"start":2714.02,"end":2715.8}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks, Damon. Sorry. I just missed your last call. All good. Yeah. That's it. Yes. I'm just trying to find a set of headphones so that I can hear you better because this phone volume's rubbish. But that's okay. Can't find anything. So we'll see how it goes. Not a problem. Harley Aileen Holmes. 25th of The 3rd 761 Slash 10 DeShield Street, Lilydale. Yes. Yes. Still wanting to try and get into that a bit. Yeah. Yep. Okay. Well, I didn't realize the latter there. I did know about the, you know, the so it's I already do salary sacrificing, but I I didn't realize that that was the super was not included in the package sort of thing. You can do that on top. So I did just find that out. But, yeah, okay. So can you just go through the the second one? So it's at the end of the financial year where it gets put in. Oh, sorry. No. Can you just explain that one to me again? Sorry. Okay. Yep. Yep. Okay. Okay. So do you get that 15% or whatever back at that end of the financial year when Geologic tax return? Okay. That's going back. Alright. So I guess either way, you're still sort of yeah. Either way, you're still sort of down on your weekly wage kind of thing. Yep. Yep. Alrighty. Yep. Do anything. Yep. Yep. We don't do it. Yeah. Yep. Yep. For that would be my employer. Yeah. I think so. I'd have to really look at it, to be honest. Yep. As in putting my own contributions in? No. No. I have not ever contributed myself personally to my super. But I know what? Correct. Yeah. Yep. Cool. Cool. Yeah. Possibly. Yeah. Possibly. I guess, like, I can sort of figure out. I've I've actually got to sit down and do a budget this first half of the year or first quarter of the year just wipes me out completely with, you know, insurances and everything happens around January, February kind of thing, bill wise. So I've gotta sit down and do that again. But, I mean, I'm not really my wage isn't going up any any at all, so this is what I've got. I don't know. I like, I wanna make it worthwhile. I don't I get paid fortnightly. So I said, I don't know if you know, what would what would be make it I mean, anything that goes in, I guess, is is worth it. But, you know, fortnightly, I'm thinking a 100. Is that even worth it? A fortnight? Yeah. Yep. Yeah. Yeah. Yeah. That would be great. Yep. Because, I mean, I don't know where that's super is right now. Everyone's looking at it with all this shit that's going on, and I'm like, I just don't don't look at it. What's the point? You know, it's going up. It's going down. Wait till you need it, kind of. There's nothing I can do about it. So Yep. Yep. Yep. Yep. That'd be great. As early as possible. But what I would I just turned 50 and I'm thinking I as I said, I don't even know what I've got in there. So I'm thinking maybe 65. I don't even know what our age is anymore. They keep pulling it up. It's just being my age these days, but you can retire and actually access your super. Okay. Right. Yep. Yep. Yes. Very much so. Being on holiday, and I'm like, yeah. I don't wanna do that work thing anymore. Like, I'm I'm done with the work thing five days a week. But, yeah, if I've got ten years to really pump it in there, if I do wanna head off and still be able to do things that, you know, in ten years time, travel and that sort of thing. Yep. Of course. Absolutely. No. I'm not good with all that sort of stuff. So probably just the regular. And I probably would go, oh, shit. I've got, you know, rates are due, and so I'll hold the contribution off. So, yeah, we kinda get Slack that way. So yeah. No. I really start to need to, yeah, start getting serious about not working anywhere. Yep. Yep. Yep. That would be fantastic. Yep. No. That's quite funny. No. Nothing at all and doesn't look like seeing a public hospital, we're getting nothing. So no. Let's work with that one. That's right. Yep. Yeah. No. I'm just, like no. I'm just eight and a half. I'm only in, you know, finance department, so not nursing or anything like that. But yeah. Well, they wouldn't get doctors wouldn't get paid before I wasn't there. So, like, that would be a huge problem, I would suggest. Yep. Please do. Yep. Mhmm. Yep. Yep. Let's do it. Yeah. Good question. I guess that depends on mortgage, where I'm at with that as well. I really don't know. Let's go with what what maybe just a little bit less than what I've got. I don't know. I don't even know what I get. I think I get about 17 a fortnight to sort of play with. Yeah. Yeah. Yep. Cool. Yep. Mhmm. Alright. Yep. Yep. Yep. Excellent. Possible, but not a lot. It was only a year ago, wasn't it? Yeah. Yeah. No. I reckon it'll be stay stay about the same then. Yeah. It probably has come down. I'm not exactly sure, but if you give me a sec, I can probably look at quickly. I was one of the smart ones and have actually fixed my rate. So yes. I've had it on fifth straight for a while. I got it in just before the last rate rise, so it's very good. I don't win the Cad's Auto or lotteries or anything like that, but that was a good win for me, I thought. Mortgage. Where are we? Mortgage. Currently, we have 282,000 owing. Yeah. I'd probably still be looking between 6 and seven. No. Not that I've run into. Nope. I do. Yes. That my insurance just came through. I can't remember what I had. No. I did put it up last year. I'm really not sure. I can message that through. I just said they've only just recently I've just had to renew it. So I can look through the contract if you like, but I I don't know. I couldn't say off the top of my head. Yeah. But I think it was about a 110. Current and, yeah, visualize the contract. So, yeah, about a 110. Yep. Yep. Yep. Yep. I need to go there with Centrelink. I don't know if you've ever had to deal with them, but I wouldn't even bother. Ridiculous. Okay. Cool. Okay. Okay. Yep. Cool. Cool. Want and a bit get probably about 5,000. Unfortunately, not. No. Oh, that's it a lot. Yes. Quite a lot. Yeah. At the minute, probably only about $7,700. Yeah. Correct. Yes. No. Not really all the same. Just get the mortgage down and try and say for the future. Absolutely. He's full time working, but he is still living at home. Yep. No. I think everything should be okay there. Yep. No. That sounds like it should be fine. Yep. Can I just ask, is that this service and of the, you know, when I pay you guys, is that tax deductible at all? Like, your accountant at the end of the year? No? Alright. Yep. Yep. Yep. Yep. Yeah. No. No. No. That's fine. Yep. Yep. All good. Yeah. Yeah. Just keep it as it is. Thanks. A minute. Yep. No. That's all good. Uh-huh. Very, very long time ago when I first started working, and I think I still get about $35 a year from Telstra two shares that I don't even know how to get rid of. Like, I just yeah. No idea. They're worth nothing, but they still chug away. I'm like, oh, is that $35? Lucky I got that this week. They do. Yes. They do. Yeah. Don't know when it comes in, but it's financial year. Yep. Cool. Cool. Yes. Yes. I don't know. That's $35 a year. That really gets me gets me through the year. And I have to split that with my ex partner or my husband. Yeah. I know. It's just I was like, what? You should be paying dollars. Yeah. Yep. Like I said before, there's not a lot I can do about it. If it does look ridiculously crazy, I'd probably get concerned. But I do have ten years and hopefully Trump can't live forever. So I think I'd be I'd be just hanging in there. Just just wait and ride it out, I guess. I said if it if it did take a really big drop, I'd probably go back go up to medium to moderate. But at the minute, I'm happy just staying where where I am here. I have thought about investment property, but being a single income now, it's not viable for me. I mean, that sort of thing. So no. It's always always been too much of a headache hassle and heartbreak, really, to be honest. So just yeah. Not really. I like to keep my money where it where it is in my back pocket or use it while I can. Yeah. Yep. Yep. Yeah. Yep. Yep. No. That sounds all good. Yep. Sounds good. I do have a will. It is out of date, so I that is something that's on my to do list. But I don't so I have power of oh, no. Actually, yes. That would still be incorporated, but as I said, that is out of date. I have divorced now, and that's the person that was still power of attorney, so I better do that. But I do have a beneficiary, and that's my son. He should be listed. Yep. Yep. No. No. Absolutely not. No. People, Tom, So is that my super did you say? We'll go to him or what like, yes. How do you pay tax on something that's already taxed? Like you said before, we can't doubt they don't double tax, but we know that they do because, like, you have to pay death tax after all the money that we've already paid. So, yeah, let's look at that. I do not wanna give them any more than they have already taken. So if there is another way that he can be benefit. Okay. Can we, yeah, can we revisit that one next next catch up? Because, yeah, I'd like to look in that, and I said I haven't got my wheel. Well, actually, I would need to do that before before I actually make the all that kind of stuff. So I do have a wheel that's in place, and I don't know, you know, if it'd be found or whatever. I do have it somewhere. But that that this beneficiary thing, that would override whatever is currently set up for that wheel. Would that be correct? Okay. Okay. Right. Okay. Right. That's okay. That's good. Yep. Yep. Yep. No. That's good. I just yeah. Didn't want anything being overwritten there. As long as he gets that part, and I'll do the rest. Yep. 50. Sure. Yep. Yep. Yep. Yep. Yeah. Yep. So yep. No. That's fine. Yep. Yep. Perfect. They're gonna get you all the way, aren't they? Yep. Yep. Yep. I don't know. I don't know. Let's not get started. It's only early in the day. I've got enough to be angry about in my life to not worry about them for today. Yes. Mhmm. Yep. Perfect. No. It all sounds good to me for now. Thank you. Brilliant. Thank you so much. Appreciate your time. 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Good. Thanks, Damon. Sorry. I just missed your last call.\n\nAll good. Yeah. That's it. Yes. I'm just trying to find a set of headphones so that I can hear you better because this phone volume's rubbish.\n\nBut that's okay. Can't find anything. So we'll see how it goes. Not a problem. Harley Aileen Holmes.\n\n25th of The 3rd 761 Slash 10 DeShield Street, Lilydale. Yes. Yes. Still wanting to try and get into that a bit. Yeah.\n\nYep. Okay. Well, I didn't realize the latter there. I did know about the, you know, the so it's I already do salary sacrificing, but I I didn't realize that that was the super was not included in the package sort of thing. You can do that on top.\n\nSo I did just find that out. But, yeah, okay. So can you just go through the the second one? So it's at the end of the financial year where it gets put in. Oh, sorry.\n\nNo. Can you just explain that one to me again? Sorry. Okay. Yep.\n\nYep. Okay. Okay. So do you get that 15% or whatever back at that end of the financial year when Geologic tax return? Okay.\n\nThat's going back. Alright. So I guess either way, you're still sort of yeah. Either way, you're still sort of down on your weekly wage kind of thing. Yep.\n\nYep. Alrighty. Yep. Do anything. Yep.\n\nYep. We don't do it. Yeah. Yep. Yep.\n\nFor that would be my employer. Yeah. I think so. I'd have to really look at it, to be honest. Yep.\n\nAs in putting my own contributions in? No. No. I have not ever contributed myself personally to my super. But I know what?\n\nCorrect. Yeah. Yep. Cool. Cool.\n\nYeah. Possibly. Yeah. Possibly. I guess, like, I can sort of figure out.\n\nI've I've actually got to sit down and do a budget this first half of the year or first quarter of the year just wipes me out completely with, you know, insurances and everything happens around January, February kind of thing, bill wise. So I've gotta sit down and do that again. But, I mean, I'm not really my wage isn't going up any any at all, so this is what I've got. I don't know. I like, I wanna make it worthwhile.\n\nI don't I get paid fortnightly. So I said, I don't know if you know, what would what would be make it I mean, anything that goes in, I guess, is is worth it. But, you know, fortnightly, I'm thinking a 100. Is that even worth it? A fortnight?\n\nYeah. Yep. Yeah. Yeah. Yeah.\n\nThat would be great. Yep. Because, I mean, I don't know where that's super is right now. Everyone's looking at it with all this shit that's going on, and I'm like, I just don't don't look at it. What's the point?\n\nYou know, it's going up. It's going down. Wait till you need it, kind of. There's nothing I can do about it. So Yep.\n\nYep. Yep. Yep. That'd be great. As early as possible.\n\nBut what I would I just turned 50 and I'm thinking I as I said, I don't even know what I've got in there. So I'm thinking maybe 65. I don't even know what our age is anymore. They keep pulling it up. It's just being my age these days, but you can retire and actually access your super.\n\nOkay. Right. Yep. Yep. Yes.\n\nVery much so. Being on holiday, and I'm like, yeah. I don't wanna do that work thing anymore. Like, I'm I'm done with the work thing five days a week. But, yeah, if I've got ten years to really pump it in there, if I do wanna head off and still be able to do things that, you know, in ten years time, travel and that sort of thing.\n\nYep. Of course. Absolutely. No. I'm not good with all that sort of stuff.\n\nSo probably just the regular. And I probably would go, oh, shit. I've got, you know, rates are due, and so I'll hold the contribution off. So, yeah, we kinda get Slack that way. So yeah.\n\nNo. I really start to need to, yeah, start getting serious about not working anywhere. Yep. Yep. Yep.\n\nThat would be fantastic. Yep. No. That's quite funny. No.\n\nNothing at all and doesn't look like seeing a public hospital, we're getting nothing. So no. Let's work with that one. That's right. Yep.\n\nYeah. No. I'm just, like no. I'm just eight and a half. I'm only in, you know, finance department, so not nursing or anything like that.\n\nBut yeah. Well, they wouldn't get doctors wouldn't get paid before I wasn't there. So, like, that would be a huge problem, I would suggest. Yep. Please do.\n\nYep. Mhmm. Yep. Yep. Let's do it.\n\nYeah. Good question. I guess that depends on mortgage, where I'm at with that as well. I really don't know. Let's go with what what maybe just a little bit less than what I've got.\n\nI don't know. I don't even know what I get. I think I get about 17 a fortnight to sort of play with. Yeah. Yeah.\n\nYep. Cool. Yep. Mhmm. Alright.\n\nYep. Yep. Yep. Excellent. Possible, but not a lot.\n\nIt was only a year ago, wasn't it? Yeah. Yeah. No. I reckon it'll be stay stay about the same then.\n\nYeah. It probably has come down. I'm not exactly sure, but if you give me a sec, I can probably look at quickly. I was one of the smart ones and have actually fixed my rate. So yes.\n\nI've had it on fifth straight for a while. I got it in just before the last rate rise, so it's very good. I don't win the Cad's Auto or lotteries or anything like that, but that was a good win for me, I thought. Mortgage. Where are we?\n\nMortgage. Currently, we have 282,000 owing. Yeah. I'd probably still be looking between 6 and seven. No.\n\nNot that I've run into. Nope. I do. Yes. That my insurance just came through.\n\nI can't remember what I had. No. I did put it up last year. I'm really not sure. I can message that through.\n\nI just said they've only just recently I've just had to renew it. So I can look through the contract if you like, but I I don't know. I couldn't say off the top of my head. Yeah. But I think it was about a 110.\n\nCurrent and, yeah, visualize the contract. So, yeah, about a 110. Yep. Yep. Yep.\n\nYep. I need to go there with Centrelink. I don't know if you've ever had to deal with them, but I wouldn't even bother. Ridiculous. Okay.\n\nCool. Okay. Okay. Yep. Cool.\n\nCool. Want and a bit get probably about 5,000. Unfortunately, not. No. Oh, that's it a lot.\n\nYes. Quite a lot. Yeah. At the minute, probably only about $7,700. Yeah.\n\nCorrect. Yes. No. Not really all the same. Just get the mortgage down and try and say for the future.\n\nAbsolutely. He's full time working, but he is still living at home. Yep. No. I think everything should be okay there.\n\nYep. No. That sounds like it should be fine. Yep. Can I just ask, is that this service and of the, you know, when I pay you guys, is that tax deductible at all?\n\nLike, your accountant at the end of the year? No? Alright. Yep. Yep.\n\nYep. Yep. Yeah. No. No.\n\nNo. That's fine. Yep. Yep. All good.\n\nYeah. Yeah. Just keep it as it is. Thanks. A minute.\n\nYep. No. That's all good. Uh-huh. Very, very long time ago when I first started working, and I think I still get about $35 a year from Telstra two shares that I don't even know how to get rid of.\n\nLike, I just yeah. No idea. They're worth nothing, but they still chug away. I'm like, oh, is that $35? Lucky I got that this week.\n\nThey do. Yes. They do. Yeah. Don't know when it comes in, but it's financial year.\n\nYep. Cool. Cool. Yes. Yes.\n\nI don't know. That's $35 a year. That really gets me gets me through the year. And I have to split that with my ex partner or my husband. Yeah.\n\nI know. It's just I was like, what? You should be paying dollars. Yeah. Yep.\n\nLike I said before, there's not a lot I can do about it. If it does look ridiculously crazy, I'd probably get concerned. But I do have ten years and hopefully Trump can't live forever. So I think I'd be I'd be just hanging in there. Just just wait and ride it out, I guess.\n\nI said if it if it did take a really big drop, I'd probably go back go up to medium to moderate. But at the minute, I'm happy just staying where where I am here. I have thought about investment property, but being a single income now, it's not viable for me. I mean, that sort of thing. So no.\n\nIt's always always been too much of a headache hassle and heartbreak, really, to be honest. So just yeah. Not really. I like to keep my money where it where it is in my back pocket or use it while I can. Yeah.\n\nYep. Yep. Yeah. Yep. Yep.\n\nNo. That sounds all good. Yep. Sounds good. I do have a will.\n\nIt is out of date, so I that is something that's on my to do list. But I don't so I have power of oh, no. Actually, yes. That would still be incorporated, but as I said, that is out of date. I have divorced now, and that's the person that was still power of attorney, so I better do that.\n\nBut I do have a beneficiary, and that's my son. He should be listed. Yep. Yep. No.\n\nNo. Absolutely not. No. People, Tom, So is that my super did you say? We'll go to him or what like, yes.\n\nHow do you pay tax on something that's already taxed? Like you said before, we can't doubt they don't double tax, but we know that they do because, like, you have to pay death tax after all the money that we've already paid. So, yeah, let's look at that. I do not wanna give them any more than they have already taken. So if there is another way that he can be benefit.\n\nOkay. Can we, yeah, can we revisit that one next next catch up? Because, yeah, I'd like to look in that, and I said I haven't got my wheel. Well, actually, I would need to do that before before I actually make the all that kind of stuff. So I do have a wheel that's in place, and I don't know, you know, if it'd be found or whatever.\n\nI do have it somewhere. But that that this beneficiary thing, that would override whatever is currently set up for that wheel. Would that be correct? Okay. Okay.\n\nRight. Okay. Right. That's okay. That's good.\n\nYep. Yep. Yep. No. That's good.\n\nI just yeah. Didn't want anything being overwritten there. As long as he gets that part, and I'll do the rest. Yep. 50.\n\nSure. Yep. Yep. Yep. Yep.\n\nYeah. Yep. So yep. No. That's fine.\n\nYep. Yep. Perfect. They're gonna get you all the way, aren't they? Yep.\n\nYep. Yep. I don't know. I don't know. Let's not get started.\n\nIt's only early in the day. I've got enough to be angry about in my life to not worry about them for today. Yes. Mhmm. Yep.\n\nPerfect. No. It all sounds good to me for now. Thank you. Brilliant.\n\nThank you so much. Appreciate your time. You too.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.030434193089604374},{"text":"Good.","start":5.3599997,"end":5.6,"sentiment":"positive","sentiment_score":0.4750251770019531},{"text":"Thanks, Damon.","start":5.6,"end":6.3199997,"sentiment":"positive","sentiment_score":0.431203156709671},{"text":"Sorry.","start":6.3199997,"end":6.64,"sentiment":"neutral","sentiment_score":0.004809770733118057},{"text":"I just missed your last call.","start":6.64,"end":8.42,"sentiment":"neutral","sentiment_score":-0.14899837846557298}],"sentiment":"neutral","sentiment_score":0.0435168348591436,"num_words":11,"start":0.16,"end":8.42},{"sentences":[{"text":"All good.","start":17.225,"end":18.045,"sentiment":"neutral","sentiment_score":0.2779686152935028},{"text":"Yeah.","start":23.225,"end":23.465,"sentiment":"neutral","sentiment_score":0.05020346865057945},{"text":"That's it.","start":23.465,"end":24.205,"sentiment":"neutral","sentiment_score":0.12412925064563751},{"text":"Yes.","start":25.465,"end":25.785,"sentiment":"neutral","sentiment_score":0.036904990673065186},{"text":"I'm just trying to find a set of headphones so that I can hear you better because this phone volume's rubbish.","start":25.785,"end":30.925,"sentiment":"neutral","sentiment_score":-0.041692660766698066}],"sentiment":"neutral","sentiment_score":0.0005836413000468854,"num_words":27,"start":17.225,"end":30.925},{"sentences":[{"text":"But that's okay.","start":32.43,"end":33.41,"sentiment":"neutral","sentiment_score":-0.062443348268667855},{"text":"Can't find anything.","start":34.03,"end":35.23,"sentiment":"neutral","sentiment_score":-0.02131916768848896},{"text":"So we'll see how it goes.","start":35.23,"end":36.86,"sentiment":"neutral","sentiment_score":0.04732112524410089},{"text":"Not a problem.","start":45.265,"end":51.73833,"sentiment":"neutral","sentiment_score":0.012317386145393053},{"text":"Harley Aileen Holmes.","start":54.225,"end":55.605,"sentiment":"neutral","sentiment_score":0.01545308871815602}],"sentiment":"neutral","sentiment_score":0.006441701565765672,"num_words":18,"start":32.43,"end":55.605},{"sentences":[{"text":"25th of The 3rd 761 Slash 10 DeShield Street, Lilydale.","start":55.79,"end":59.89,"sentiment":"neutral","sentiment_score":0.02796031776815653},{"text":"Yes.","start":77.045,"end":77.445,"sentiment":"neutral","sentiment_score":0.05976710468530655},{"text":"Yes.","start":77.445,"end":77.925,"sentiment":"neutral","sentiment_score":0.05574528127908707},{"text":"Still wanting to try and get into that a bit.","start":77.925,"end":80.325005,"sentiment":"neutral","sentiment_score":0.07150177545845508},{"text":"Yeah.","start":80.325005,"end":80.825005,"sentiment":"neutral","sentiment_score":0.07538093626499176}],"sentiment":"neutral","sentiment_score":0.05154409802154354,"num_words":23,"start":55.79,"end":80.825005},{"sentences":[{"text":"Yep.","start":103.035,"end":103.535,"sentiment":"positive","sentiment_score":0.5121937990188599},{"text":"Okay.","start":133.69499,"end":133.98,"sentiment":"neutral","sentiment_score":0.1756429374217987},{"text":"Well, I didn't realize the latter there.","start":142.94,"end":145.2,"sentiment":"neutral","sentiment_score":-0.13636880155120576},{"text":"I did know about the, you know, the so it's I already do salary sacrificing, but I I didn't realize that that was the super was not included in the package sort of thing.","start":145.26,"end":157.33499,"sentiment":"neutral","sentiment_score":-0.10724318027496338},{"text":"You can do that on top.","start":157.33499,"end":158.375,"sentiment":"neutral","sentiment_score":0.10171620175242424}],"sentiment":"neutral","sentiment_score":-0.06740236312759165,"num_words":49,"start":103.035,"end":158.375},{"sentences":[{"text":"So I did just find that out.","start":158.375,"end":160.215,"sentiment":"neutral","sentiment_score":0.022547376475163868},{"text":"But, yeah, okay.","start":160.215,"end":162.15,"sentiment":"neutral","sentiment_score":0.10351714367667834},{"text":"So can you just go through the the second one?","start":162.76999,"end":165.73,"sentiment":"neutral","sentiment_score":0.036126648634672166},{"text":"So it's at the end of the financial year where it gets put in.","start":165.73,"end":169.97,"sentiment":"neutral","sentiment_score":0.016534656286239624},{"text":"Oh, sorry.","start":169.97,"end":170.45,"sentiment":"neutral","sentiment_score":-0.06208119913935661}],"sentiment":"neutral","sentiment_score":0.02602700951198737,"num_words":36,"start":158.375,"end":170.45},{"sentences":[{"text":"No.","start":170.45,"end":170.76999,"sentiment":"neutral","sentiment_score":-0.12144231796264648},{"text":"Can you just explain that one to me again?","start":170.76999,"end":172.53,"sentiment":"neutral","sentiment_score":-0.03985151400168737},{"text":"Sorry.","start":172.53,"end":173.03,"sentiment":"neutral","sentiment_score":0.0719795972108841},{"text":"Okay.","start":192.73,"end":193.23,"sentiment":"positive","sentiment_score":0.4177456498146057},{"text":"Yep.","start":209.465,"end":209.94499,"sentiment":"neutral","sentiment_score":0.1936914026737213}],"sentiment":"neutral","sentiment_score":0.01563928505549064,"num_words":13,"start":170.45,"end":209.94499},{"sentences":[{"text":"Yep.","start":209.94499,"end":210.44499,"sentiment":"neutral","sentiment_score":0.185805544257164},{"text":"Okay.","start":243.415,"end":243.66,"sentiment":"neutral","sentiment_score":0.3300016522407532},{"text":"Okay.","start":256.435,"end":256.755,"sentiment":"neutral","sentiment_score":0.10285569727420808},{"text":"So do you get that 15% or whatever back at that end of the financial year when Geologic tax return?","start":256.755,"end":264.215,"sentiment":"neutral","sentiment_score":0.09134634984657168},{"text":"Okay.","start":279.47,"end":279.97,"sentiment":"neutral","sentiment_score":0.06751976162195206}],"sentiment":"neutral","sentiment_score":0.10471290218022962,"num_words":24,"start":209.94499,"end":279.97},{"sentences":[{"text":"That's going back.","start":280.03,"end":281.57,"sentiment":"neutral","sentiment_score":0.04102914904554685},{"text":"Alright.","start":281.955,"end":282.195,"sentiment":"neutral","sentiment_score":0.07980649173259735},{"text":"So I guess either way, you're still sort of yeah.","start":282.195,"end":287.715,"sentiment":"neutral","sentiment_score":0.042112940549850465},{"text":"Either way, you're still sort of down on your weekly wage kind of thing.","start":287.715,"end":292.85498,"sentiment":"neutral","sentiment_score":0.08100469570074763},{"text":"Yep.","start":312.605,"end":313.105,"sentiment":"neutral","sentiment_score":0.17723292112350464}],"sentiment":"neutral","sentiment_score":0.06673524156212807,"num_words":29,"start":280.03,"end":313.105},{"sentences":[{"text":"Yep.","start":317.80502,"end":318.30502,"sentiment":"neutral","sentiment_score":0.13671034574508667},{"text":"Alrighty.","start":328.78,"end":329.28,"sentiment":"positive","sentiment_score":0.34811151027679443},{"text":"Yep.","start":329.34,"end":329.84,"sentiment":"positive","sentiment_score":0.3779127597808838},{"text":"Do anything.","start":340.975,"end":341.635,"sentiment":"neutral","sentiment_score":0.1463928446173668},{"text":"Yep.","start":346.335,"end":346.8,"sentiment":"positive","sentiment_score":0.33585676550865173}],"sentiment":"neutral","sentiment_score":0.24856284509102503,"num_words":6,"start":317.80502,"end":346.8},{"sentences":[{"text":"Yep.","start":358.24,"end":358.72,"sentiment":"neutral","sentiment_score":0.04064781218767166},{"text":"We don't do it.","start":358.72,"end":359.94,"sentiment":"neutral","sentiment_score":-0.0175692206248641},{"text":"Yeah.","start":363.30502,"end":363.70502,"sentiment":"neutral","sentiment_score":0.006986396387219429},{"text":"Yep.","start":363.70502,"end":364.20502,"sentiment":"neutral","sentiment_score":-0.12087778747081757},{"text":"Yep.","start":365.065,"end":365.565,"sentiment":"neutral","sentiment_score":0.09840651601552965}],"sentiment":"neutral","sentiment_score":-0.005639243172481654,"num_words":8,"start":358.24,"end":365.565},{"sentences":[{"text":"For that would be my employer.","start":392.375,"end":394.395,"sentiment":"neutral","sentiment_score":-0.03754760635395845},{"text":"Yeah.","start":395.015,"end":395.255,"sentiment":"neutral","sentiment_score":0.010306859388947489},{"text":"I think so.","start":395.255,"end":395.815,"sentiment":"neutral","sentiment_score":0.007440457120537758},{"text":"I'd have to really look at it, to be honest.","start":395.815,"end":397.83,"sentiment":"neutral","sentiment_score":-0.050710292905569075},{"text":"Yep.","start":403.83,"end":404.33,"sentiment":"neutral","sentiment_score":0.005157168954610825}],"sentiment":"neutral","sentiment_score":-0.03307634130829856,"num_words":21,"start":392.375,"end":404.33},{"sentences":[{"text":"As in putting my own contributions in?","start":433.9,"end":439.04,"sentiment":"neutral","sentiment_score":-0.03454161515193326},{"text":"No.","start":439.18,"end":439.68,"sentiment":"neutral","sentiment_score":-0.20051784813404083},{"text":"No.","start":441.64502,"end":442.045,"sentiment":"neutral","sentiment_score":-0.2022281289100647},{"text":"I have not ever contributed myself personally to my super.","start":442.045,"end":447.665,"sentiment":"neutral","sentiment_score":-0.148546676710248},{"text":"But I know what?","start":448.685,"end":449.745,"sentiment":"neutral","sentiment_score":-0.04186044167727232}],"sentiment":"neutral","sentiment_score":-0.09988894856170467,"num_words":23,"start":433.9,"end":449.745},{"sentences":[{"text":"Correct.","start":453.405,"end":453.9,"sentiment":"neutral","sentiment_score":0.048722103238105774},{"text":"Yeah.","start":454.94,"end":455.34,"sentiment":"neutral","sentiment_score":0.066456139087677},{"text":"Yep.","start":455.34,"end":455.84,"sentiment":"neutral","sentiment_score":0.06884415447711945},{"text":"Cool.","start":467.66,"end":468.06,"sentiment":"positive","sentiment_score":0.6538331508636475},{"text":"Cool.","start":468.06,"end":468.56,"sentiment":"positive","sentiment_score":0.6148955821990967}],"sentiment":"neutral","sentiment_score":0.2905502259731293,"num_words":5,"start":453.405,"end":468.56},{"sentences":[{"text":"Yeah.","start":479.915,"end":480.415,"sentiment":"neutral","sentiment_score":0.010890990495681764},{"text":"Possibly.","start":480.555,"end":481.055,"sentiment":"neutral","sentiment_score":0.007992839440703392},{"text":"Yeah.","start":483.68,"end":484.08,"sentiment":"neutral","sentiment_score":0.01678597740828991},{"text":"Possibly.","start":484.08,"end":484.56,"sentiment":"neutral","sentiment_score":-0.014851964078843594},{"text":"I guess, like, I can sort of figure out.","start":484.56,"end":486.72,"sentiment":"neutral","sentiment_score":-0.03411285061803129}],"sentiment":"neutral","sentiment_score":-0.022015216330496166,"num_words":13,"start":479.915,"end":486.72},{"sentences":[{"text":"I've I've actually got to sit down and do a budget this first half of the year or first quarter of the year just wipes me out completely with, you know, insurances and everything happens around January, February kind of thing, bill wise.","start":486.72,"end":500.155,"sentiment":"neutral","sentiment_score":-0.0756150725795779},{"text":"So I've gotta sit down and do that again.","start":500.155,"end":502.095,"sentiment":"neutral","sentiment_score":-0.030179318454530504},{"text":"But, I mean, I'm not really my wage isn't going up any any at all, so this is what I've got.","start":503.755,"end":511.86002,"sentiment":"neutral","sentiment_score":-0.10076121258593741},{"text":"I don't know.","start":512.72003,"end":513.28,"sentiment":"neutral","sentiment_score":-0.09316653261582057},{"text":"I like, I wanna make it worthwhile.","start":513.28,"end":515.06,"sentiment":"neutral","sentiment_score":0.009067050048283168}],"sentiment":"neutral","sentiment_score":-0.07054310480514205,"num_words":83,"start":486.72,"end":515.06},{"sentences":[{"text":"I don't I get paid fortnightly.","start":515.2,"end":516.9,"sentiment":"neutral","sentiment_score":-0.12089603394269943},{"text":"So I said, I don't know if you know, what would what would be make it I mean, anything that goes in, I guess, is is worth it.","start":517.12,"end":525.735,"sentiment":"neutral","sentiment_score":-0.059077211522630284},{"text":"But, you know, fortnightly, I'm thinking a 100.","start":526.135,"end":530.875,"sentiment":"neutral","sentiment_score":0.025808039121329784},{"text":"Is that even worth it?","start":530.935,"end":532.635,"sentiment":"neutral","sentiment_score":0.01845838502049446},{"text":"A fortnight?","start":532.855,"end":533.605,"sentiment":"neutral","sentiment_score":0.014599298126995564}],"sentiment":"neutral","sentiment_score":-0.041869046774749855,"num_words":49,"start":515.2,"end":533.605},{"sentences":[{"text":"Yeah.","start":553.36005,"end":553.725,"sentiment":"neutral","sentiment_score":0.06680646538734436},{"text":"Yep.","start":554.285,"end":554.785,"sentiment":"neutral","sentiment_score":0.006595493294298649},{"text":"Yeah.","start":564.76495,"end":565.245,"sentiment":"neutral","sentiment_score":0.0571734793484211},{"text":"Yeah.","start":565.245,"end":565.745,"sentiment":"neutral","sentiment_score":0.024920210242271423},{"text":"Yeah.","start":565.96497,"end":566.285,"sentiment":"neutral","sentiment_score":0.07853659987449646}],"sentiment":"neutral","sentiment_score":0.0468064496293664,"num_words":5,"start":553.36005,"end":566.285},{"sentences":[{"text":"That would be great.","start":566.285,"end":567.08496,"sentiment":"positive","sentiment_score":0.6009009405970573},{"text":"Yep.","start":567.08496,"end":567.42,"sentiment":"neutral","sentiment_score":0.18174999952316284},{"text":"Because, I mean, I don't know where that's super is right now.","start":567.5,"end":570.13995,"sentiment":"neutral","sentiment_score":-0.059529392359157406},{"text":"Everyone's looking at it with all this shit that's going on, and I'm like, I just don't don't look at it.","start":570.13995,"end":574.94,"sentiment":"neutral","sentiment_score":-0.22742792857544764},{"text":"What's the point?","start":574.94,"end":575.66,"sentiment":"neutral","sentiment_score":-0.08196861545244853}],"sentiment":"neutral","sentiment_score":-0.07685100714244493,"num_words":41,"start":566.285,"end":575.66},{"sentences":[{"text":"You know, it's going up.","start":575.66,"end":576.62,"sentiment":"neutral","sentiment_score":-0.0014018549234606325},{"text":"It's going down.","start":576.62,"end":577.6,"sentiment":"neutral","sentiment_score":-0.08576669792334239},{"text":"Wait till you need it, kind of.","start":577.66,"end":579.18,"sentiment":"neutral","sentiment_score":-0.09312850449766431},{"text":"There's nothing I can do about it.","start":579.18,"end":580.77997,"sentiment":"neutral","sentiment_score":-0.3230459413358143},{"text":"So Yep.","start":580.77997,"end":619.50494,"sentiment":"neutral","sentiment_score":0.17613102495670319}],"sentiment":"neutral","sentiment_score":-0.11771951830451144,"num_words":24,"start":575.66,"end":619.50494},{"sentences":[{"text":"Yep.","start":644.345,"end":644.845,"sentiment":"neutral","sentiment_score":0.1328486204147339},{"text":"Yep.","start":657.62,"end":658.12,"sentiment":"neutral","sentiment_score":0.31935566663742065},{"text":"Yep.","start":672.185,"end":672.505,"sentiment":"neutral","sentiment_score":0.27769923210144043},{"text":"That'd be great.","start":672.505,"end":673.485,"sentiment":"positive","sentiment_score":0.6621990005175272},{"text":"As early as possible.","start":694.385,"end":695.585,"sentiment":"neutral","sentiment_score":-0.06914314441382885}],"sentiment":"neutral","sentiment_score":0.24399279430508614,"num_words":10,"start":644.345,"end":695.585},{"sentences":[{"text":"But what I would I just turned 50 and I'm thinking I as I said, I don't even know what I've got in there.","start":695.585,"end":701.105,"sentiment":"neutral","sentiment_score":-0.08462197178353865},{"text":"So I'm thinking maybe 65.","start":701.105,"end":704.385,"sentiment":"neutral","sentiment_score":-0.055787088721990584},{"text":"I don't even know what our age is anymore.","start":704.385,"end":706.085,"sentiment":"neutral","sentiment_score":-0.10965897639592488},{"text":"They keep pulling it up.","start":706.54004,"end":708.0,"sentiment":"neutral","sentiment_score":-0.02529348023235798},{"text":"It's just being my age these days, but you can retire and actually access your super.","start":708.3,"end":714.16003,"sentiment":"neutral","sentiment_score":0.01051258765073726}],"sentiment":"neutral","sentiment_score":-0.05517050089369828,"num_words":59,"start":695.585,"end":714.16003},{"sentences":[{"text":"Okay.","start":727.885,"end":728.385,"sentiment":"neutral","sentiment_score":0.07895214855670929},{"text":"Right.","start":729.80505,"end":730.205,"sentiment":"neutral","sentiment_score":0.10575281083583832},{"text":"Yep.","start":730.205,"end":730.705,"sentiment":"neutral","sentiment_score":0.1299750655889511},{"text":"Yep.","start":742.53,"end":743.03,"sentiment":"neutral","sentiment_score":0.13289986550807953},{"text":"Yes.","start":752.125,"end":752.52496,"sentiment":"neutral","sentiment_score":0.12061601132154463}],"sentiment":"neutral","sentiment_score":0.11363918036222458,"num_words":5,"start":727.885,"end":752.52496},{"sentences":[{"text":"Very much so.","start":752.52496,"end":753.325,"sentiment":"neutral","sentiment_score":0.11267239848772685},{"text":"Being on holiday, and I'm like, yeah.","start":753.325,"end":755.005,"sentiment":"neutral","sentiment_score":0.023358263541013002},{"text":"I don't wanna do that work thing anymore.","start":755.005,"end":756.925,"sentiment":"negative","sentiment_score":-0.38858840987086296},{"text":"Like, I'm I'm done with the work thing five days a week.","start":756.925,"end":761.325,"sentiment":"neutral","sentiment_score":-0.042620174353942275},{"text":"But, yeah, if I've got ten years to really pump it in there, if I do wanna head off and still be able to do things that, you know, in ten years time, travel and that sort of 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funny.","start":890.98505,"end":892.42505,"sentiment":"neutral","sentiment_score":-0.16796555618445078},{"text":"No.","start":892.42505,"end":892.92505,"sentiment":"neutral","sentiment_score":-0.2007699757814407}],"sentiment":"neutral","sentiment_score":0.20424410253763198,"num_words":10,"start":876.605,"end":892.92505},{"sentences":[{"text":"Nothing at all and doesn't look like seeing a public hospital, we're getting nothing.","start":894.585,"end":898.34503,"sentiment":"neutral","sentiment_score":-0.29623672898326603},{"text":"So no.","start":898.34503,"end":899.48505,"sentiment":"neutral","sentiment_score":-0.2418609857559204},{"text":"Let's work with that one.","start":899.54504,"end":900.92505,"sentiment":"negative","sentiment_score":-0.41292698085308077},{"text":"That's right.","start":914.23,"end":914.97003,"sentiment":"neutral","sentiment_score":0.029310048557817936},{"text":"Yep.","start":917.67,"end":918.045,"sentiment":"neutral","sentiment_score":0.03858891874551773}],"sentiment":"neutral","sentiment_score":-0.27493591940340895,"num_words":24,"start":894.585,"end":918.045},{"sentences":[{"text":"Yeah.","start":926.52496,"end":926.845,"sentiment":"neutral","sentiment_score":-0.0016785403713583946},{"text":"No.","start":926.845,"end":927.005,"sentiment":"neutral","sentiment_score":-0.04398521780967712},{"text":"I'm just, like no.","start":927.005,"end":928.125,"sentiment":"neutral","sentiment_score":-0.039478239603340626},{"text":"I'm just eight and a half.","start":928.125,"end":928.925,"sentiment":"neutral","sentiment_score":-0.035707730799913406},{"text":"I'm only in, you know, finance department, so not nursing or anything like 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but not a lot.","start":1049.78,"end":1051.22,"sentiment":"neutral","sentiment_score":-0.06834581568837166}],"sentiment":"neutral","sentiment_score":0.056636965523163475,"num_words":9,"start":1030.725,"end":1051.22},{"sentences":[{"text":"It was only a year ago, wasn't it?","start":1051.22,"end":1053.0801,"sentiment":"neutral","sentiment_score":-0.02588921377900988},{"text":"Yeah.","start":1054.5,"end":1055.0,"sentiment":"neutral","sentiment_score":0.0184224434196949},{"text":"Yeah.","start":1055.315,"end":1055.635,"sentiment":"neutral","sentiment_score":0.013216331601142883},{"text":"No.","start":1055.635,"end":1055.875,"sentiment":"neutral","sentiment_score":-0.06890848278999329},{"text":"I reckon it'll be stay stay about the same 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$7,700.","start":1353.53,"end":1357.15,"sentiment":"neutral","sentiment_score":0.008480969816446304},{"text":"Yeah.","start":1361.29,"end":1361.775,"sentiment":"neutral","sentiment_score":0.011517943814396858}],"sentiment":"neutral","sentiment_score":0.023445208055468705,"num_words":13,"start":1348.2849,"end":1361.775},{"sentences":[{"text":"Correct.","start":1369.295,"end":1369.795,"sentiment":"neutral","sentiment_score":0.12137184292078018},{"text":"Yes.","start":1373.6951,"end":1374.1951,"sentiment":"neutral","sentiment_score":0.06650520861148834},{"text":"No.","start":1375.92,"end":1376.16,"sentiment":"neutral","sentiment_score":-0.08213205635547638},{"text":"Not really all the same.","start":1376.16,"end":1377.12,"sentiment":"neutral","sentiment_score":-0.08579938858747482},{"text":"Just get the mortgage down and try and say for the 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say?","start":2209.1602,"end":2254.46,"sentiment":"neutral","sentiment_score":0.05596310831606388},{"text":"We'll go to him or what like, yes.","start":2254.46,"end":2256.64,"sentiment":"neutral","sentiment_score":0.04739288752898574}],"sentiment":"neutral","sentiment_score":0.010082677006721497,"num_words":22,"start":2207.72,"end":2256.64},{"sentences":[{"text":"How do you pay tax on something that's already taxed?","start":2257.8198,"end":2260.56,"sentiment":"neutral","sentiment_score":-0.06391045600175857},{"text":"Like you said before, we can't doubt they don't double tax, but we know that they do because, like, you have to pay death tax after all the money that we've already paid.","start":2261.02,"end":2268.765,"sentiment":"neutral","sentiment_score":-0.08281668382837917},{"text":"So, yeah, let's look at that.","start":2268.765,"end":2270.845,"sentiment":"neutral","sentiment_score":-0.02520035517712434},{"text":"I do not wanna give them any more than they have already taken.","start":2270.845,"end":2274.945,"sentiment":"negative","sentiment_score":-0.4422303300637465},{"text":"So if there is another way that he can be benefit.","start":2275.005,"end":2278.065,"sentiment":"neutral","sentiment_score":-0.11028964580460028}],"sentiment":"neutral","sentiment_score":-0.14363613222049523,"num_words":73,"start":2257.8198,"end":2278.065},{"sentences":[{"text":"Okay.","start":2374.79,"end":2375.29,"sentiment":"neutral","sentiment_score":0.04247710853815079},{"text":"Can we, yeah, can we revisit that one next next catch up?","start":2376.47,"end":2384.065,"sentiment":"neutral","sentiment_score":0.020896655429775517},{"text":"Because, yeah, I'd like to look in that, and I said I haven't got my wheel.","start":2384.065,"end":2388.305,"sentiment":"neutral","sentiment_score":0.006643370084930211},{"text":"Well, actually, I would need to do that before before I actually make the all that kind of 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correct?","start":2406.68,"end":2407.82,"sentiment":"neutral","sentiment_score":0.003575238399207592},{"text":"Okay.","start":2411.305,"end":2411.805,"sentiment":"neutral","sentiment_score":0.01795472763478756},{"text":"Okay.","start":2451.8152,"end":2452.3152,"sentiment":"neutral","sentiment_score":0.02624266780912876}],"sentiment":"neutral","sentiment_score":0.0059473073841737846,"num_words":28,"start":2397.7998,"end":2452.3152},{"sentences":[{"text":"Right.","start":2457.51,"end":2458.01,"sentiment":"neutral","sentiment_score":0.05008750036358833},{"text":"Okay.","start":2465.27,"end":2465.77,"sentiment":"neutral","sentiment_score":0.060297273099422455},{"text":"Right.","start":2473.175,"end":2473.675,"sentiment":"neutral","sentiment_score":0.05751565098762512},{"text":"That's okay.","start":2474.455,"end":2475.175,"sentiment":"neutral","sentiment_score":0.10500004701316357},{"text":"That's good.","start":2475.175,"end":2475.915,"sentiment":"positive","sentiment_score":0.4026244431734085}],"sentiment":"neutral","sentiment_score":0.16902134354625428,"num_words":7,"start":2457.51,"end":2475.915},{"sentences":[{"text":"Yep.","start":2475.975,"end":2476.475,"sentiment":"neutral","sentiment_score":0.0881267786026001},{"text":"Yep.","start":2477.815,"end":2478.215,"sentiment":"neutral","sentiment_score":0.051320817321538925},{"text":"Yep.","start":2478.215,"end":2478.455,"sentiment":"neutral","sentiment_score":0.053540781140327454},{"text":"No.","start":2478.455,"end":2478.615,"sentiment":"neutral","sentiment_score":0.054487444460392},{"text":"That's good.","start":2478.615,"end":2479.175,"sentiment":"neutral","sentiment_score":0.15260813385248184}],"sentiment":"neutral","sentiment_score":0.09211534820497036,"num_words":6,"start":2475.975,"end":2479.175},{"sentences":[{"text":"I just yeah.","start":2479.175,"end":2479.86,"sentiment":"neutral","sentiment_score":0.03935638442635536},{"text":"Didn't want anything being overwritten there.","start":2479.86,"end":2483.7983,"sentiment":"neutral","sentiment_score":-0.023086966403449576},{"text":"As long as he gets that part, and I'll do the rest.","start":2483.9858,"end":2492.0498,"sentiment":"neutral","sentiment_score":0.11209058008777599},{"text":"Yep.","start":2492.2373,"end":2492.7373,"sentiment":"neutral","sentiment_score":0.25031358003616333},{"text":"50.","start":2496.0452,"end":2496.5452,"sentiment":"neutral","sentiment_score":0.31002360582351685}],"sentiment":"neutral","sentiment_score":0.08195528268571133,"num_words":23,"start":2479.175,"end":2496.5452},{"sentences":[{"text":"Sure.","start":2505.645,"end":2506.145,"sentiment":"neutral","sentiment_score":0.16300618648529053},{"text":"Yep.","start":2506.2852,"end":2506.7852,"sentiment":"neutral","sentiment_score":0.2312510311603546},{"text":"Yep.","start":2510.5498,"end":2511.0498,"sentiment":"positive","sentiment_score":0.35759907960891724},{"text":"Yep.","start":2518.5498,"end":2518.8699,"sentiment":"neutral","sentiment_score":-0.1554313749074936},{"text":"Yep.","start":2518.8699,"end":2519.3699,"sentiment":"neutral","sentiment_score":-0.07540588080883026}],"sentiment":"neutral","sentiment_score":0.10420380830764771,"num_words":5,"start":2505.645,"end":2519.3699},{"sentences":[{"text":"Yeah.","start":2525.0952,"end":2525.5952,"sentiment":"neutral","sentiment_score":0.02934124879539013},{"text":"Yep.","start":2526.215,"end":2526.715,"sentiment":"neutral","sentiment_score":0.05256451293826103},{"text":"So yep.","start":2529.0952,"end":2529.655,"sentiment":"neutral","sentiment_score":0.05710102804005146},{"text":"No.","start":2529.655,"end":2529.8152,"sentiment":"neutral","sentiment_score":-0.03737760707736015},{"text":"That's fine.","start":2529.8152,"end":2530.5552,"sentiment":"neutral","sentiment_score":0.060594215989112854}],"sentiment":"neutral","sentiment_score":0.039988377530659945,"num_words":7,"start":2525.0952,"end":2530.5552},{"sentences":[{"text":"Yep.","start":2562.055,"end":2562.555,"sentiment":"neutral","sentiment_score":0.1626109778881073},{"text":"Yep.","start":2564.455,"end":2564.85,"sentiment":"neutral","sentiment_score":0.21226833760738373},{"text":"Perfect.","start":2565.25,"end":2565.75,"sentiment":"positive","sentiment_score":0.4651941657066345},{"text":"They're gonna get you all the way, aren't they?","start":2572.85,"end":2574.87,"sentiment":"neutral","sentiment_score":-0.06479958362049526},{"text":"Yep.","start":2580.865,"end":2581.365,"sentiment":"neutral","sentiment_score":-0.2376013994216919}],"sentiment":"neutral","sentiment_score":0.0014827560919981736,"num_words":13,"start":2562.055,"end":2581.365},{"sentences":[{"text":"Yep.","start":2584.385,"end":2584.885,"sentiment":"neutral","sentiment_score":-0.07891204208135605},{"text":"Yep.","start":2590.99,"end":2591.49,"sentiment":"neutral","sentiment_score":-0.053477417677640915},{"text":"I don't know.","start":2591.5498,"end":2592.1099,"sentiment":"neutral","sentiment_score":-0.17332801222801208},{"text":"I don't know.","start":2592.1099,"end":2592.75,"sentiment":"neutral","sentiment_score":-0.21430915097395578},{"text":"Let's not get started.","start":2592.75,"end":2593.95,"sentiment":"neutral","sentiment_score":-0.265438973903656}],"sentiment":"neutral","sentiment_score":-0.19642140374829373,"num_words":12,"start":2584.385,"end":2593.95},{"sentences":[{"text":"It's only early in the day.","start":2593.95,"end":2595.49,"sentiment":"neutral","sentiment_score":-0.16231859227021536},{"text":"I've got enough to be angry about in my life to not worry about them for today.","start":2595.95,"end":2600.13,"sentiment":"negative","sentiment_score":-0.41226697932271394},{"text":"Yes.","start":2655.56,"end":2655.825,"sentiment":"neutral","sentiment_score":0.17106160521507263},{"text":"Mhmm.","start":2664.4648,"end":2664.9648,"sentiment":"neutral","sentiment_score":0.07420846819877625},{"text":"Yep.","start":2670.49,"end":2670.99,"sentiment":"neutral","sentiment_score":0.05841679498553276}],"sentiment":"neutral","sentiment_score":-0.29533705129646337,"num_words":26,"start":2593.95,"end":2670.99},{"sentences":[{"text":"Perfect.","start":2685.37,"end":2685.87,"sentiment":"positive","sentiment_score":0.7445113658905029},{"text":"No.","start":2695.165,"end":2695.405,"sentiment":"neutral","sentiment_score":-0.08175257593393326},{"text":"It all sounds good to me for now.","start":2695.405,"end":2697.425,"sentiment":"neutral","sentiment_score":0.29332403279840946},{"text":"Thank you.","start":2697.485,"end":2698.305,"sentiment":"positive","sentiment_score":0.5313791930675507},{"text":"Brilliant.","start":2707.94,"end":2708.42,"sentiment":"positive","sentiment_score":0.7897671461105347}],"sentiment":"positive","sentiment_score":0.3739905065068832,"num_words":13,"start":2685.37,"end":2708.42},{"sentences":[{"text":"Thank you so much.","start":2708.42,"end":2709.14,"sentiment":"positive","sentiment_score":0.8281826972961426},{"text":"Appreciate your time.","start":2709.14,"end":2710.2798,"sentiment":"positive","sentiment_score":0.765627940495809},{"text":"You too.","start":2712.8198,"end":2713.4,"sentiment":"positive","sentiment_score":0.5570050179958344}],"sentiment":"positive","sentiment_score":0.7470694051848518,"num_words":9,"start":2708.42,"end":2713.4}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Carly. This is Dana from Okey Financial. How are you this morning?\n\nChannel 1: Good. Thanks, Damon. Sorry. I just missed your last call.\n\nChannel 0: Oh, no. That's okay. Not a problem at all. I couldn't tell whether it was ringing or not. I wasn't sure if someone had answered.\n\nI couldn't hear anything, so I thought I'll just call back.\n\nChannel 1: All good.\n\nChannel 0: Oh, good. I'm calling you. I had to book in to have a bit of a chat about contributions this morning.\n\nChannel 1: Yeah.\n\nChannel 0: Is\n\nChannel 1: That's\n\nChannel 0: now\n\nChannel 1: it.\n\nChannel 0: still a good time?\n\nChannel 1: Yes. I'm just trying to find a set of headphones so that I can hear you better because this phone volume's rubbish.\n\nChannel 0: That's okay.\n\nChannel 1: But\n\nChannel 0: You're\n\nChannel 1: that's\n\nChannel 0: not a\n\nChannel 1: okay.\n\nChannel 0: problem at all.\n\nChannel 1: Can't find\n\nChannel 0: You're\n\nChannel 1: anything.\n\nChannel 0: right.\n\nChannel 1: So we'll see how it goes.\n\nChannel 0: Yeah. You're right. Not a worry at all. And before we jump into the call, we do need to let you know we do record our calls for quality and training purposes. Are you happy for liberty with that?\n\nChannel 1: Not\n\nChannel 0: Fantastic. And I'll just do security as\n\nChannel 1: a\n\nChannel 0: well. We are discussing your personal information. So I just need to confirm your\n\nChannel 1: problem.\n\nChannel 0: full name, your date of birth, and address I should have on file.\n\nChannel 1: Harley Aileen Holmes. 25th\n\nChannel 0: Yep.\n\nChannel 1: of The 3rd 761 Slash 10 DeShield Street, Lilydale.\n\nChannel 0: Beautiful. Thank you so much for that. So, Kylie, just to sort of recap back to our last conversation, you were looking at maybe look making additional contributions just so far. I can see your employer contributions are going in there. But is it something you're still wanting to look at doing, or what's your sort of thoughts at the moment?\n\nChannel 1: Yes. Yes. Still wanting to try and get into that a bit. Yeah.\n\nChannel 0: Yeah. That's okay. Not a problem at all. So we've got one of two ways that it can be done. So depending on your level of expenditure you have available to you, you can do it in way by way of salary sacrifice, which essentially means that you're doing this as a pretax deduction.\n\nSo your employer is taking the money out of your income before they calculate your income tax, and it can\n\nChannel 1: Yep.\n\nChannel 0: give you the benefit of reducing your income tax payable, but it does also reduce back your take home pay as well. The other option is if you're not really wanting to do it that way and you're wanting to have a bit more control, you can do it as what's called a deductible contribution where the money goes in from your after tax income. At the end of the financial year, we claim a notice intent which changes the contribution inside super, and the deductible contribution you've made in the super becomes a tax deduction for you at the end of the year on your tax return.\n\nChannel 1: Okay.\n\nChannel 0: Have you, yeah, have you had any kind of thought as to what's probably more easier and appropriate for you or how much you'd like to contribute? Or\n\nChannel 1: Well, I didn't realize the latter there. I did know about the, you know, the so it's I already do salary sacrificing, but I I didn't realize that that was the super was not included in the package sort of thing. You can do that on top. So I did just\n\nChannel 0: Yeah.\n\nChannel 1: find that out. But,\n\nChannel 0: Yep.\n\nChannel 1: yeah, okay. So can you just go through the the second one? So it's at the end of the financial year where it gets put in. Oh, sorry. No.\n\nCan you just explain that one to me again?\n\nChannel 0: Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: Absolutely. So you can do it one of a couple of ways. You can make it as a regular contribution in. So it's like an EFT or a BPAY transfer from your bank account into your super fund on a regular basis, or you can put the money away and do it as a one soft lump sum in transaction in at the end of the financial year. So it can work\n\nChannel 1: Okay.\n\nChannel 0: within your budget depending on what you're comfortable with. Because that money is transferred in the super from your after tax pay, you've already paid income tax in that amount of money. So we have laws in Australia where you shouldn't be able to pay tax twice on a con on money at all.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So when that money goes in, because it's gone, you've already paid income tax on that money. At the end of the year, we claim what's called a notice of intent. That notice of intent basically tells the Superfund that you have an intent to claim this as a tax deduction. They changed the contribution so it it matches your other employer contributions. It becomes concessional.\n\nInside super, they take 15% tax out of that money. You've then paid tax on that money twice. So the amount you've paid in the super becomes a tax deduction for you off your personal tax return, which is really cool. So if\n\nChannel 1: Okay.\n\nChannel 0: you put $10,000 in, in the supers, they will take 50% tax out of that $10,000, but then that $10,000 becomes a tax deductions a deductible amount on your personal tax return for you.\n\nChannel 1: Okay. So do you get\n\nChannel 0: Yeah.\n\nChannel 1: that 15% or whatever back at that end of the financial year when Geologic\n\nChannel 0: The way\n\nChannel 1: tax return?\n\nChannel 0: yes. The way it works with the tax deduction, you can claim your marginal tax rate of the amount. So if you put $10,000 into super, the tax deduction is, say, if you're on a 30% tax bracket, 30% of the $10,000 is what you can claim.\n\nChannel 1: Okay. That's going\n\nChannel 0: Yeah.\n\nChannel 1: back. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: So I guess either way, you're still sort of yeah. Either way, you're still sort of down\n\nChannel 0: It it it\n\nChannel 1: on\n\nChannel 0: it yeah. So these\n\nChannel 1: your\n\nChannel 0: like,\n\nChannel 1: weekly\n\nChannel 0: you'll be\n\nChannel 1: wage\n\nChannel 0: able to claim\n\nChannel 1: kind of thing.\n\nChannel 0: yeah. They claim that 30% of the $10,000, but you still benefit like that 10 if you've got $90,000 and you've made that deductible contribution of $10, you're still reducing your take your taxable income by $10. So the 10,000 is deducted away from your final taxable income, but\n\nChannel 1: Yep.\n\nChannel 0: the tax you can claim back is slightly less, essentially. It's a little bit weird the way the tax system works.\n\nChannel 1: Yep.\n\nChannel 0: But with deduct deductible contribution, if you put $10,000 into super and you claim it notice of intent, that $10,000 reduces your taxable income by $10,000. So\n\nChannel 1: Alrighty. Yep.\n\nChannel 0: it does have that benefit of reducing your taxable income. The main sort of difference is salary sacrifice kinda has the benefit where your employer takes that money out of your pay for you. So you don't have to think about making\n\nChannel 1: Do\n\nChannel 0: the\n\nChannel 1: anything.\n\nChannel 0: savings or the contribution. It's kind of set and forget. You don't have to worry about it.\n\nChannel 1: Yep.\n\nChannel 0: Whereas making it as a deductible contribution, it's sort of more up to yourself to either set it up with your bank. So it happens regularly or to remember to do it. And often when times get hard, when expenses get larger,\n\nChannel 1: Yep. We don't\n\nChannel 0: certain\n\nChannel 1: do\n\nChannel 0: things\n\nChannel 1: it.\n\nChannel 0: correct, we tend to go, I'll I'll put it up and do extra next week,\n\nChannel 1: Yeah.\n\nChannel 0: and then\n\nChannel 1: Yep.\n\nChannel 0: we just don't do it. So\n\nChannel 1: Yep.\n\nChannel 0: there are benefits to both of those ways of doing it. Both of them help to reduce your overall taxable income. It's just in different ways and have different requirements around, you know, the benefits of them. So it all comes into what you're comfortable with, whether you're comfortable increasing that any further. I can see here with your sales back at the moment, you've about a 100 sorry.\n\nIs it a $100 a fortnight that's going in?\n\nChannel 1: For that would be my employer. Yeah. I think so.\n\nChannel 0: Yeah.\n\nChannel 1: I'd have to really look at it, to be honest.\n\nChannel 0: No. That's okay. I can see your employer contributions going in a regular basis. That's from Austin Health here,\n\nChannel 1: Yep.\n\nChannel 0: but I can't see any separate sorry. My hub twenty four just knocked me out there. I can see the contributions going in. I think they're lumping them together is the only thing which makes it a little bit hard when you look at the hub. Just have a look.\n\nBut you mentioned you you were salary sacrificing at the moment. I had a note back here from 2024 when we sort of caught up that you were sales backing then. I think it was about a $100 a fortnight. Is that still fairly accurate? Or,\n\nChannel 1: As in putting my own contributions\n\nChannel 0: yeah. From your pay. Yeah.\n\nChannel 1: in?\n\nChannel 0: Or you're\n\nChannel 1: No.\n\nChannel 0: just not doing that at the moment?\n\nChannel 1: No. I have not ever contributed myself personally\n\nChannel 0: Okay. No.\n\nChannel 1: to\n\nChannel 0: That's\n\nChannel 1: my\n\nChannel 0: alright.\n\nChannel 1: super.\n\nChannel 0: Okay. So\n\nChannel 1: But I\n\nChannel 0: it's\n\nChannel 1: know\n\nChannel 0: just\n\nChannel 1: what?\n\nChannel 0: the that's okay. So it's just the employer contributions\n\nChannel 1: Correct.\n\nChannel 0: that are going in. That's what we can see.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: No. That's alright. Oh, good. Just want to make sure I clarified those sorts of things. So I'm looking back at the the last few notes that we had and just wanting to make sure I clarify and have the correct information for you.\n\nBeautiful.\n\nChannel 1: Cool. Cool.\n\nChannel 0: Excellent. Is there an amount that you were sort of looking to maybe start contributing, or are you sort of wanting us to maybe provide personal advice and look at what amount is gonna provide benefit or\n\nChannel 1: Yeah.\n\nChannel 0: to try and get\n\nChannel 1: Possibly.\n\nChannel 0: you to your goals? Or what's your sort of thoughts?\n\nChannel 1: Yeah. Possibly. I guess, like, I can sort of figure out. I've I've actually got to sit down and do a budget this first half of the year or first quarter of the year just wipes me out completely with, you know, insurances and everything happens around January, February kind of thing,\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: bill wise. So I've gotta sit down and do that again. But, I mean, I'm not really my wage isn't going up any any at all, so this is\n\nChannel 0: Okay.\n\nChannel 1: what\n\nChannel 0: Yeah.\n\nChannel 1: I've got. I don't know. I like, I wanna make it worthwhile. I don't I get paid fortnightly. So I said, I don't know if you know, what would what would be make it I mean, anything that goes in, I guess, is is worth it.\n\nBut,\n\nChannel 0: Yes.\n\nChannel 1: you know, fortnightly, I'm thinking a 100. Is that even worth it? A\n\nChannel 0: Yep.\n\nChannel 1: fortnight?\n\nChannel 0: Yep. That's okay. If you like, what I could do is I can go back and I can do some research there for you. I would like to maybe just go back and reassess your goals there and maybe update the advice for you, and we can incorporate the salary sacrifice into the the personal advice document. I can look at a $100 per fortnight for you, so 50\n\nChannel 1: Yeah.\n\nChannel 0: on a weekly basis,\n\nChannel 1: Yep.\n\nChannel 0: and sort of show you the long term effect of doing that and the advantages, disadvantages, and risks involved. And then if you wanted to alter that, we can always come back and alter that. Does that sort of help you along\n\nChannel 1: Yeah.\n\nChannel 0: a little bit\n\nChannel 1: Yeah.\n\nChannel 0: to start with?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That\n\nChannel 0: Beautiful.\n\nChannel 1: would\n\nChannel 0: And\n\nChannel 1: be great. Yep. Because, I mean, I don't know where that's super is right now. Everyone's looking at it with all this shit that's going on, and I'm like, I just don't don't look at it. What's the point?\n\nYou know,\n\nChannel 0: yeah.\n\nChannel 1: it's going\n\nChannel 0: Absolutely.\n\nChannel 1: up. It's going down. Wait till you need\n\nChannel 0: Correct.\n\nChannel 1: it, kind of. There's nothing I can do about it. So\n\nChannel 0: Absolutely. And, look, honestly, starting that contribution now is a good thing because you're increasing the amount that your dollar cost averaging into the market. And, look, I'll be honest, I cannot time the market in any way, shape, or form, and we do not know what's going to happen long term wise. But the investments you're in are there and designed to be able to withstand the ups and downs. So putting money into the market on a regular basis means that you're taking advantage of the ups and downs that we see.\n\nWhen the market is lower, yes, the value of the investments is lower, but then if you're putting more money into those downtimes, you're buying into those discounted investment prices. So you do benefit as the market comes back out and recovers.\n\nChannel 1: Yep.\n\nChannel 0: And then putting the same amount of money in when the market is higher, you buy less of those investments. You get less of an advantage there. So it does help you to even out your buying into the markets. You're buying in and taking advantage of whatever the market is providing. A lot of people do try to time the market, but most people who time the market miss the best days by either a few hours or a few days, and that\n\nChannel 1: Yep.\n\nChannel 0: can have quite a a big change on the amount they're able to gain. So by staying in the market, participating in the market, and just following through and continuing to invest, you tend to come out a lot better in the long term. So,\n\nChannel 1: Yep.\n\nChannel 0: yeah, so we can look at that for you. We can start with a $100 per fortnight. I can go back and just sort of reevaluate the portfolio for you and see if there's maybe any changes that we should make to the investments as well along the way. Does that sound okay?\n\nChannel 1: Yep. That'd be great.\n\nChannel 0: Beautiful. One of the things we do wanna look at is just making sure you are invested in the correct portfolio there. I'm just having a quick look at your last fact find that we would have completed. Now do you know I know this is a tough one. Not everyone sort of thought about it, but, realistically, what age you're hoping to maybe stop work fully retire down the track?\n\nChannel 1: As early as possible. But what I would I just turned 50 and I'm thinking I as I said, I don't even know what I've got in there. So I'm thinking\n\nChannel 0: Yeah.\n\nChannel 1: maybe 65. I don't even know what our age is anymore.\n\nChannel 0: Yeah.\n\nChannel 1: They keep\n\nChannel 0: That's\n\nChannel 1: pulling\n\nChannel 0: okay.\n\nChannel 1: it up. It's just being my age these days, but you can retire\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: and actually\n\nChannel 0: So at\n\nChannel 1: access\n\nChannel 0: the moment,\n\nChannel 1: your super.\n\nChannel 0: yes. At the moment, you can actually access super if you fully retire at the age of 60. Alternatively, if you continue working past that, they allow you access regardless of whether you're working or not at age 65. So this comes down\n\nChannel 1: Okay.\n\nChannel 0: to a bit of a preference for you.\n\nChannel 1: Right.\n\nChannel 0: If\n\nChannel 1: Yep.\n\nChannel 0: you do work past 60 to sort of that age 65 mark, in between 60 to 65, there's other great strategies that we can utilize to kind of provide a last minute boost to super as well. So\n\nChannel 1: Yep.\n\nChannel 0: but it just comes down to your preference. If you don't wanna work past 60, that's completely fine. As you said, you've just turned 50, so, you know, it's probably on your mind.\n\nChannel 1: Yes. Very much so. Being on holiday, and I'm like, yeah. I don't wanna do that work thing anymore. Like, I'm\n\nChannel 0: Makes sense.\n\nChannel 1: I'm done with the work thing five days\n\nChannel 0: Yeah.\n\nChannel 1: a week.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, if I've got ten years to really pump it in there, if I do wanna head off and still be able to do things that, you know, in ten years time, travel\n\nChannel 0: Yep.\n\nChannel 1: and that sort of thing.\n\nChannel 0: Absolutely. Absolutely. Well, to give you a bit of an idea as well, I'm looking at your last annual review. The balance when we did the last annual review there, your balance was $93,006.85. And looking at your balance as of today's date, you've got a 114,328.\n\nSo your super has increased since the last annual review, which is great to see.\n\nChannel 1: Yep.\n\nChannel 0: Majority of your investments are performing really nicely even with the times that we are seeing at the moment. I can just see your Australian equities portion here. You've got Bannalong. That investment has had a few ups and downs, and I do wanna maybe look at removing that out. It has been underperforming for the last few months.\n\nSo I do wanna maybe wanna move Bannalong out of there and look at maybe a lower cost investment, something that's more passively a bit cheaper inside your fund and might help to provide greater benefit for you. Are you open to me altering that for you as well?\n\nChannel 1: Of course. Absolutely.\n\nChannel 0: Yep. Beautiful. And then I can also incorporate that $100 per fortnight sales tax for you. Are you comfortable? Did you want me to make a salary sacrifice so your employer does that deposit for you, or are you wanting to maybe keep it behind and do it as a deductible?\n\nOr\n\nChannel 1: No.\n\nChannel 0: what's\n\nChannel 1: I'm not good with all that sort of stuff.\n\nChannel 0: no.\n\nChannel 1: So probably just the regular. And I probably would go, oh, shit. I've got, you know, rates are due, and so I'll hold\n\nChannel 0: Yep.\n\nChannel 1: the contribution off. So, yeah, we kinda get\n\nChannel 0: Yep.\n\nChannel 1: Slack that way. So\n\nChannel 0: No.\n\nChannel 1: yeah. No. I\n\nChannel 0: That's\n\nChannel 1: really start\n\nChannel 0: fine.\n\nChannel 1: to need to, yeah, start getting serious about not working\n\nChannel 0: Yep.\n\nChannel 1: anywhere.\n\nChannel 0: Perfect. Not a problem at all. What I can do is I can do a $100 per fortnight for you, and then I could always look at maybe a 150 as an alternative and\n\nChannel 1: Yep.\n\nChannel 0: put that\n\nChannel 1: Yep.\n\nChannel 0: into the appendix for you so you can see maybe the difference between the two, and then you can kind of work out what's comfortable for your budget and your circumstances.\n\nChannel 1: Yep.\n\nChannel 0: Does that sound okay?\n\nChannel 1: That would be fantastic. Yep.\n\nChannel 0: Yep. Beautiful. Excellent. With your income at the moment, the last updated detail I have here was that you were earning about 60,000 per annum. Have you had an increase on income at that at the moment?\n\nChannel 1: No. That's quite funny.\n\nChannel 0: The\n\nChannel 1: No.\n\nChannel 0: same?\n\nChannel 1: Nothing at all and doesn't look like seeing a public hospital, we're getting nothing. So no.\n\nChannel 0: Oh,\n\nChannel 1: Let's\n\nChannel 0: that's\n\nChannel 1: work\n\nChannel 0: a\n\nChannel 1: with\n\nChannel 0: shame.\n\nChannel 1: that one.\n\nChannel 0: Yep. No. That's okay. And employer contributions, just double checking double checking what I've got here employment wise. So I've got they're coming from Austin Health.\n\nChannel 1: That's right.\n\nChannel 0: Yep. Beautiful. And it's a public hospital.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Lovely. What kind of hour shifts do you do? I know some hospitals do, like, twelve hour shifts and things like that. Do you just work eight hours, or do you\n\nChannel 1: Yeah.\n\nChannel 0: have longer\n\nChannel 1: No. I'm\n\nChannel 0: shifts?\n\nChannel 1: just, like\n\nChannel 0: Or\n\nChannel 1: no. I'm just eight and a half. I'm only in, you know, finance department, so not\n\nChannel 0: yeah.\n\nChannel 1: nursing or anything like that. But\n\nChannel 0: No. That's okay.\n\nChannel 1: yeah.\n\nChannel 0: You're still important. They couldn't run without you. That's for sure.\n\nChannel 1: Well, they wouldn't get doctors wouldn't get paid before I wasn't there.\n\nChannel 0: Correct.\n\nChannel 1: So,\n\nChannel 0: And they\n\nChannel 1: like,\n\nChannel 0: that would be a big problem.\n\nChannel 1: that would be a huge problem, I would suggest.\n\nChannel 0: Yeah. No. That's absolutely fine. When we do the personal advice nowadays, we are sort of only focusing around the next ten years because a lot can happen in the next ten years.\n\nChannel 1: Yep.\n\nChannel 0: Are you happy for me to work on, say, retiring at the age of 60 to sort of see where we might project you to be and what kinda outlook that might give you at that time\n\nChannel 1: Please\n\nChannel 0: just\n\nChannel 1: do.\n\nChannel 0: to\n\nChannel 1: Yep.\n\nChannel 0: kind of give you the option of retiring at that point\n\nChannel 1: Mhmm.\n\nChannel 0: if you'd like to.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Let's do it.\n\nChannel 0: Excellent. And do you happen to know when you do retire, what kinda income you might be hoping to live off on a weekly basis? Are you wanting to kinda live on the same income you have now, or do you think it might be a little bit less, might be okay?\n\nChannel 1: Yeah. Good question.\n\nChannel 0: Yeah.\n\nChannel 1: I guess that depends on mortgage, where I'm\n\nChannel 0: Yep.\n\nChannel 1: at with that as well. I really don't know.\n\nChannel 0: No.\n\nChannel 1: Let's\n\nChannel 0: That's\n\nChannel 1: go\n\nChannel 0: okay.\n\nChannel 1: with what what maybe just a little bit less than what I've got. I don't know. I don't even\n\nChannel 0: Yep.\n\nChannel 1: know what I get. I think I get about 17 a fortnight to\n\nChannel 0: Okay.\n\nChannel 1: sort of play with.\n\nChannel 0: Take home. Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So $7,800 per fortnight take home pay, and\n\nChannel 1: Yep.\n\nChannel 0: we can work on that for you. Not\n\nChannel 1: Cool.\n\nChannel 0: a problem at all.\n\nChannel 1: Yep.\n\nChannel 0: The good thing is when you pull the money out of super retirement, it is tax free. So if you're comfortable on your take home pay as it is at the moment, we could always look to draw down the same amount for you. The difference\n\nChannel 1: Mhmm.\n\nChannel 0: is we won't have any tax on the money, so that'll be good.\n\nChannel 1: Alright. Yep. Yep. Yep. Excellent.\n\nChannel 0: Excellent. Assets and liabilities, I had here your main primary residence. Now the last time we caught up, the asset value on the house was about 738,000. Do you think that might have increased a bit since we last caught up?\n\nChannel 1: Possible, but not a lot. It was only a year ago, wasn't it?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Basically.\n\nChannel 1: Yeah. No. I reckon it'll be stay stay about the same then.\n\nChannel 0: The same? Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. Mortgage wise, we had you owing about 290,000. Has that kinda decreased a little bit since then? I know interest rates have been going up and down like crazy.\n\nChannel 1: It probably has come down. I'm not\n\nChannel 0: Yep.\n\nChannel 1: exactly sure, but if\n\nChannel 0: Yep.\n\nChannel 1: you give me a sec, I can probably\n\nChannel 0: Yeah.\n\nChannel 1: look at quickly.\n\nChannel 0: Absolutely.\n\nChannel 1: I was one of the smart ones and have actually fixed my rate.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: fantastic. Yeah.\n\nChannel 1: yes.\n\nChannel 0: I think\n\nChannel 1: I've\n\nChannel 0: it's\n\nChannel 1: had\n\nChannel 0: gonna\n\nChannel 1: it on\n\nChannel 0: go up\n\nChannel 1: fifth\n\nChannel 0: again\n\nChannel 1: straight for\n\nChannel 0: soon.\n\nChannel 1: a while. I got it in just before the last rate rise, so it's very\n\nChannel 0: Oh, you\n\nChannel 1: good. I\n\nChannel 0: did\n\nChannel 1: don't win\n\nChannel 0: well.\n\nChannel 1: the Cad's Auto or lotteries or anything like that, but that was a good win for me, I thought.\n\nChannel 0: Absolutely.\n\nChannel 1: Mortgage. Where are we? Mortgage. Currently, we have 282,000 owing.\n\nChannel 0: Perfect. $2.82. Excellent. Lovely. I have done here the other assets noted as your motor vehicle.\n\nYou had a asset value of about 7,000. If you had to sell the motor vehicle, what sort of money would you want for that? What do you think you would ask for it?\n\nChannel 1: Yeah. I'd probably still be looking between 6 and seven.\n\nChannel 0: Perfect. And you don't have any loans in that vehicle at all?\n\nChannel 1: No.\n\nChannel 0: Nope. Beautiful. Any other assets or anything else of value that you might wanna note down?\n\nChannel 1: Not that I've run into. Nope.\n\nChannel 0: Nope. That's okay. Another thing I do like to consider is the contents. Do you have contents insurance at all?\n\nChannel 1: I do. Yes.\n\nChannel 0: Yep. How much do you think or do you have a a value of your contents, or how much do you think you might value it at?\n\nChannel 1: That my insurance just came through. I can't remember\n\nChannel 0: Yep.\n\nChannel 1: what I had. No. I did put it up\n\nChannel 0: Yep.\n\nChannel 1: last year. I'm really not sure. I can message that through. I just said they've only just recently I've just had to\n\nChannel 0: Yeah.\n\nChannel 1: renew it. So I can\n\nChannel 0: That's\n\nChannel 1: look through\n\nChannel 0: okay.\n\nChannel 1: the contract if you like,\n\nChannel 0: Yeah.\n\nChannel 1: but I I don't know. I couldn't say off the top of my head.\n\nChannel 0: No. That's okay. Do you what sort of estimate do you think? Do you think it'd be sort of north or south of a 100,000? Or\n\nChannel 1: Yeah. But I think it was about a 110.\n\nChannel 0: yeah. Perfect.\n\nChannel 1: Current and, yeah, visualize\n\nChannel 0: Yep.\n\nChannel 1: the contract. So, yeah, about a\n\nChannel 0: That's\n\nChannel 1: 110.\n\nChannel 0: yep. That's okay. Part of what I do is the retirement aspect of advice is I limited scope it in at the moment to kinda show the projected outcome of where we're heading based on what we have, but I also do tend to factor in if you might be eligible for Fendalink from around eight to seven to help provide longevity to your super.\n\nChannel 1: Yep.\n\nChannel 0: So what and I do a generally a very conservative projection in retirement as well because you're not gonna be in a more of a high risk environment. You tend to be a lot more risk averse and looking at low risk investments in that time frame. So when I do assess Centrelink, I do what's called fire sale values. And because Centrelink want you to decrease the value of everything because\n\nChannel 1: Yep.\n\nChannel 0: if for them, if you had to sell things, you'd be selling them fast, like, on your front lawn as part of a garage sale. So I don't normally put Centrelink value for contents more than 10,000. So I'll keep it at the higher rate for our valuation here. For Centrelink of the year plan, I'll reduce it down to about $10 for you. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: It tends to also help you get a better Centrelink assessment, which is important.\n\nChannel 1: I need to go there with Centrelink. I don't know if you've ever had to deal with them, but I wouldn't even\n\nChannel 0: Uh-huh.\n\nChannel 1: bother.\n\nChannel 0: It is honestly one of the hardest things, but the\n\nChannel 1: Ridiculous.\n\nChannel 0: good thing about having me here is it's what I do almost every day.\n\nChannel 1: Okay.\n\nChannel 0: So if you're unsure, have any questions, or when if you ever need to deal with them, let me know. I'm more than happy to help you.\n\nChannel 1: Cool.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: as part of the retirement aspect, we do look at age pension to give you longevity to supplement super and find other ways to do things like that. So I do do a lot of those calculations. So there'll be limited scope into the advice at the moment just sort of as a projected outcome. But as we get closer, we'll really start to assess what you might be eligible for and how it can help benefit you, and I'll make sure I help you apply for it when the time comes.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Okay?\n\nChannel 1: Cool. Cool.\n\nChannel 0: Excellent. The other thing is your motor vehicle. I do tend to do, like, fire sale values there. If you had to sell that quickly on your lawn, what's the most you'd probably want for that?\n\nChannel 1: Want and a bit get probably about 5,000.\n\nChannel 0: About 5,000. Beautiful. Excellent. Lovely. There's no large sums of savings or anything that you've got sitting in the bank anywhere?\n\nChannel 1: Unfortunately, not.\n\nChannel 0: Nope.\n\nChannel 1: No.\n\nChannel 0: That's okay. That's okay. And last time we sort of caught up, you may have mentioned that you were able to save about a thousand dollars on a fortnightly basis from your income. Are you still putting money away regularly, or is that kind of just a bit with everything going up?\n\nChannel 1: Oh, that's it a lot. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Quite a lot.\n\nChannel 0: How much\n\nChannel 1: Yeah.\n\nChannel 0: do you how much do you estimate you might be able to save?\n\nChannel 1: At the minute, probably only about $7,700.\n\nChannel 0: Yep. Beautiful. And that's per fortnight because you get paid fortnightly, isn't\n\nChannel 1: Yeah.\n\nChannel 0: it? Yep. Beautiful. Thank you so much for that. Having a look other sort of do you have any other goals that you're looking\n\nChannel 1: Correct.\n\nChannel 0: to achieve down the track or in the next one to two to five years? Anything else that\n\nChannel 1: Yes.\n\nChannel 0: you might be wanting to aim for?\n\nChannel 1: No. Not really all the same. Just get the mortgage down\n\nChannel 0: Yep.\n\nChannel 1: and try and say\n\nChannel 0: Yep.\n\nChannel 1: for the future.\n\nChannel 0: Yep. Yep. Perfect. Not a problem at all. And I've got down here marital status that you are single.\n\nIs that still correct?\n\nChannel 1: Absolutely.\n\nChannel 0: Yep. Lovely. And I've got in here financial dependence. You have one son at home. He was 18 at the time.\n\nIs he still a financial dependence still living at home? Or\n\nChannel 1: He's full time working, but he is still living at home.\n\nChannel 0: okay. Perfect. Lovely. Beautiful. Another thing that sorta can factor in with the advice is your insurance aspect.\n\nSo at the moment, you do have your life and TBD component here. I'm having trouble getting into MetLife to have a look at the actual policy you hold. But with your life and TBD, I'll send through a bit of an annual review pack in the next couple of hours as well just to kind of it'll probably actually come through tomorrow. Sorry. Because, you know, this is a bit slow today.\n\nBut,\n\nChannel 1: Yep.\n\nChannel 0: essentially, with the annual review packet, we'll also have this updated certificate of currency with regard to your insurance levels there. Based on what I have at the moment, when we last were able to catch up, your life and TPD was a bit over $100,000 in value. Are you happy with the life and TPD components you have at the moment? Did you wanna look at altering those amounts? Or\n\nChannel 1: No. I think everything should be okay there.\n\nChannel 0: yep. Yep. Beautiful. The certificate of currency will have the updated valuations. Your insurance policies are indexed.\n\nThey do increase every year as they go through renewal, so the amount you'll have will be higher than what we have here at the moment. It does also mean that the insurance the premiums will keep going up as well. However, it's just important we keep reviewing those down the track there. So happy with the life and TPD, keep them at the same levels at the moment there. With your income protection policy, and an income protection is generally the first thing we claim.\n\nOne, it is the most expensive part of the policy given I'm just going on the value I have at the moment, and I'll double check the value that we have. But based on 60,000 because you can be covered for up to 70% of your income. So it'll be about 3,500. The income protection policy we have at the moment has a monthly benefit that you're insured for $3.04 $9.09. Again, that is indexed, so it'll be a little bit higher than what it is at the moment.\n\nAs long as you're over that or at or over that 3,500 mark, you're pretty well on par with what you can be covered for.\n\nChannel 1: Yep.\n\nChannel 0: Are you fairly comfortable with that? Are you wanting to sort of look or reassess the income protection policy at all? Or\n\nChannel 1: No. That sounds like it should be\n\nChannel 0: yep.\n\nChannel 1: fine.\n\nChannel 0: Beautiful. As I said, I'll get the annual review pack done up, and I'll send it through to you. It will also have our ongoing service agreement, just making sure you're happy to stay on board for the next year and keep us as as your advisers. Just so you're aware, you do pay an ongoing service fee of 1.65% per annum. It is calculated and deducted out of your super fund on a monthly basis in smaller increments.\n\nAnd the idea of a percentage based fee is that it fluctuates with the market. So when the market's doing really well, our fee is gonna be a little bit higher. However, when the fee takes sorry. When the market takes a bit of a dip, like what can be happening at the moment, essentially, our fee would take a bit of a dip there with it as well. But I'll make sure all of those in the annual review pack and send that through to you.\n\nPaying the ongoing service fee also means that there's no extra charges. So the advice that I'm gonna provide to you is completely complimentary under the fact that you're an ongoing client for us as well. So there's no fees for that new advice piece as well. Okay?\n\nChannel 1: Yep. Can I just ask, is that\n\nChannel 0: Yeah.\n\nChannel 1: this service and of the, you know, when I pay you guys, is that tax deductible at all?\n\nChannel 0: It\n\nChannel 1: Like,\n\nChannel 0: is\n\nChannel 1: your\n\nChannel 0: not,\n\nChannel 1: accountant\n\nChannel 0: unfortunately.\n\nChannel 1: at the end of the year?\n\nChannel 0: Yeah.\n\nChannel 1: No?\n\nChannel 0: It's not. That's just because it comes out of your super. So your super\n\nChannel 1: Alright.\n\nChannel 0: son gets\n\nChannel 1: Yep.\n\nChannel 0: the advantages of doing that, but not in your own personal name. If you were to pay it out of your back pocket, we could look at, you know, how much\n\nChannel 1: Yep.\n\nChannel 0: that will be tax deductible,\n\nChannel 1: Yep.\n\nChannel 0: but it does mean you'd have to pay for that out of your back pocket. So it's generally easier to have it coming out of your super fund than out\n\nChannel 1: Yep.\n\nChannel 0: of your back pocket\n\nChannel 1: Yeah.\n\nChannel 0: with the\n\nChannel 1: No.\n\nChannel 0: way\n\nChannel 1: No. No. That's\n\nChannel 0: living\n\nChannel 1: fine.\n\nChannel 0: is going for all of us. Yeah.\n\nChannel 1: Yep. Yep. All good.\n\nChannel 0: That's okay. There I have noted here, and just to double check that you don't have any trauma or any other insurances other than life keeping and income protection. Are you wanting to reevaluate any other levels of cover that might be paid out of your back pocket that might give you other cover, or you're just happy with the insurances as they are and not wanting to reassess them in in any way?\n\nChannel 1: Yeah. Yeah. Just keep it as it is. Thanks.\n\nChannel 0: Keep it as is?\n\nChannel 1: A minute. Yep.\n\nChannel 0: Beautiful. That's okay. Not a problem at all. I'll make sure that's sort of your currencies in the annual review pack so you can review the levels that you have there. I apologize MetLife isn't really working for me this morning.\n\nChannel 1: No. That's all good.\n\nChannel 0: Gotta love technology when it wants to do the work.\n\nChannel 1: Uh-huh.\n\nChannel 0: Yeah. But no. That's fantastic. The only other thing I need to run through is just a bit of a risk profile questionnaire for you. Now at the moment, you are in a growth portfolio, and I've kind of gone through and answered a lot of these questions as we already have been talking, which is great.\n\nWith the way you're invested at the moment, you're in a growth portfolio. So it generally sees about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and then commodities like gold and silver are also considered as well. Having a look at this reviewing to make sure you are invested in line with that profile and that still suits you, we've noted down when you're hoping to retire, working on that kinda ten year time horizon at the moment. But have you ever owned investments in your own name in the past? Have you ever owned shares or anything outside of Superm?\n\nChannel 1: Very, very long time ago when I first started working, and I think I still\n\nChannel 0: Yeah.\n\nChannel 1: get about $35 a year from Telstra two shares that I don't\n\nChannel 0: Really?\n\nChannel 1: even know how to get rid of. Like, I just yeah. No idea. They're worth nothing, but they still chug\n\nChannel 0: Wow.\n\nChannel 1: away. I'm like, oh, is that $35? Lucky I got that this week.\n\nChannel 0: Wow. Well, do they give you a statement or anything?\n\nChannel 1: They do. Yes. They do. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Don't\n\nChannel 0: If\n\nChannel 1: know when\n\nChannel 0: you\n\nChannel 1: it comes\n\nChannel 0: ever\n\nChannel 1: in,\n\nChannel 0: wanted\n\nChannel 1: but it's financial year.\n\nChannel 0: okay. If you wanted to maybe, at the point, email me that statement or let us know, we\n\nChannel 1: Yep.\n\nChannel 0: can always have a look and help you along with that. Realistically, when it comes to selling investments in your own name, there are capital gains consequences to factor in. But if you ever wanted to talk about what they are, maybe look at selling them, what the consequences would be, you're welcome to let me know. We can help you along\n\nChannel 1: Cool.\n\nChannel 0: with that as well. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Beautiful. So when next time I send you a statement, just hold on for that one.\n\nChannel 1: Yes. Yes. I don't know. That's $35 a year. That really gets me gets me through the year.\n\nChannel 0: Had it been\n\nChannel 1: And\n\nChannel 0: maybe,\n\nChannel 1: I have\n\nChannel 0: what,\n\nChannel 1: to\n\nChannel 0: two\n\nChannel 1: split\n\nChannel 0: coffees?\n\nChannel 1: that with my ex partner or my husband.\n\nChannel 0: Oh, no. You've gotta share that one.\n\nChannel 1: Yeah. I know.\n\nChannel 0: Oh,\n\nChannel 1: It's\n\nChannel 0: wow.\n\nChannel 1: just I was like, what? You should be paying dollars.\n\nChannel 0: Wow.\n\nChannel 1: Yeah.\n\nChannel 0: Oh, that's that's funny. Not a not a worry at all. Perfect. Well, you've owned shares before and you still have those somewhere in the ethers, so that's absolutely\n\nChannel 1: Yep.\n\nChannel 0: fine. With the the next question here is more about inflation. So we know that markets are going up and down at the moment. There's a lot of uncertainty out there and a lot of volatility. If you saw your super fall in the future over the next few months there and it was down by about 10 or 20 or 30%, how do you think you might be feeling?\n\nAre you feeling a bit concerned? You're not really worried, or you may be calling us? How you think you might be feeling?\n\nChannel 1: Like I said before, there's not a lot I can do about it. If it\n\nChannel 0: Yep.\n\nChannel 1: does look ridiculously crazy, I'd probably get concerned. But\n\nChannel 0: Yep. Yep.\n\nChannel 1: I do have ten years and hopefully Trump can't live forever. So I\n\nChannel 0: Yeah.\n\nChannel 1: think I'd be I'd be just hanging in there. Just just\n\nChannel 0: Yep.\n\nChannel 1: wait and ride it out,\n\nChannel 0: Yep.\n\nChannel 1: I guess.\n\nChannel 0: Perfect. When do you think about the level of risk that you're comfortable taking in order to get the best returns you can? Are you wanting to take on the highest amount of risk or a really high amount of risk to try and get the best returns you possibly can? Are you wanting to take on a medium or moderate amount of risk to still get the best returns you can obtain, or are you not wanting to take much risk in the market knowing the returns are lower generally?\n\nChannel 1: I said if it if it did take a really big drop, I'd probably go back go up to medium to moderate. But at\n\nChannel 0: Yep.\n\nChannel 1: the minute, I'm happy just staying where\n\nChannel 0: Where you are?\n\nChannel 1: where I\n\nChannel 0: Yep. Yep. Beautiful. Not\n\nChannel 1: am\n\nChannel 0: a problem. And have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for, say, property? And have you ever thought about an investment property before?\n\nChannel 1: here. I have thought about investment property, but being a single\n\nChannel 0: Yeah.\n\nChannel 1: income now, it's not viable for me. I mean,\n\nChannel 0: Yep.\n\nChannel 1: that sort of thing. So no.\n\nChannel 0: Yep.\n\nChannel 1: It's always always been too much of a headache hassle and heartbreak, really, to be honest. So\n\nChannel 0: Yep.\n\nChannel 1: just yeah. Not really. I like to keep my money where it where it is in my back pocket or use it while\n\nChannel 0: Beautiful.\n\nChannel 1: I can. Yeah.\n\nChannel 0: Yeah. Beautiful. Excellent. Well, that based into the risk profile. So having a look that you have scored in that growth environment there, now it does normally suit someone who has about six years before they're needing to or wanting to access their funds.\n\nSo being that you've got ten years at the moment, you do have that time horizon to remain in that you do have that 80% in those higher risk investments of things like sorry. International shares, domestic shares, a bit of commodities like gold and silver often, and also a bit of property there, which is good. That's where you get a lot of the growth from, but it's also where we see the market fluctuations that can make us a little bit nervous.\n\nChannel 1: Yep.\n\nChannel 0: The other 20% is in lower risk investments, the things like cash, bonds, and fixed interest. They tend to get a lower rate of return, but they don't fluctuate and grow as much in those volatile times. So having a mix of those is sort of where you wanna be, and you do have the time horizon for that one. It was sort of aiming for an expected annual return compounding of about seven to 9% with this sort of a portfolio. Anything above that is great and you're, you know, overachieving for the year.\n\nAnything under that is technically, you know, not quite meeting the expectation that we have, but we do understand markets do fluctuate. And we have years where you might get a 20% return, years where you might only get a 5% return. And we do expect with this sort of environment that the likelihood of a negative return could be about one in every five years. Do you\n\nChannel 1: Yep.\n\nChannel 0: feel like knowing that you're comfortable staying where you are at the moment?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Yep. Beautiful. Excellent. So I'll keep looking at the growth portfolio.\n\nI'll go back and just re have a look at the way your investments are structured, maybe look at if there's a way to alter a few things. I replace that Benelung Australian Equities and look at something that might be a little bit better for you. I'll look at something. So Benelung was more of an actively managed part of your portfolio. They're an active manager.\n\nTheir job is to be trying to buy and sell and outperform against the indices or the market segment that they're trying to track. They haven't actually done that, and they've had a few underlying issues. So we do wanna remove that there. We are looking at putting you into something a bit more passively managed. So the idea of a passively managed portfolio was that attract the market, which when you think about active manager and trying to outperform the market to do so, you have to be trying to time the market, trying to buy and sell in at the right time, and there's a risk that active managers aren't gonna make that or and they definitely\n\nChannel 1: Yep.\n\nChannel 0: don't do that every year. So often having something a bit cheaper like a passively managed index fund can actually get you better returns because you're just participating in the market. You're just sitting in through those downtimes, taking advantage, and putting money in, and not trying to time the market. And often, passive managers outperform greater than than active managers do. They actually provide greater returns over longer term.\n\nSo if you're happy with me looking at something like that, I'll go back and review the different investment options we have, and I can incorporate that salary sacrifice there for you. Does that make sense? Do you have any questions? You're welcome to ask me anything you like, Carly.\n\nChannel 1: No. That sounds all good.\n\nChannel 0: Yep. Beautiful. Excellent. I'll keep you that growth environment there. I'll just note that we're looking at the super side of things.\n\nWe're not looking at altering anything with regard to the insurances. Because they are paid out of your super, it will be scoped into the advisers on a limited basis just because your your cons premiums come out of super, so it does have a long term effect on your super. But I'll just have that scoped in as a bit of a limit to show you the outcome. I'll also factor in the retirement aspect just having a look at where we're heading over the next ten years and what that might look like for you. Okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: The only other thing I'm just looking at here is just your sorry. The your beneficiary nominations here. Now having a look back, I can't see whether anyone's ever called up and asked you about if you've got a will or power of attorney set up. Have you ever drafted a will or power of attorney?\n\nChannel 1: I do have a will. It is out of date, so I that\n\nChannel 0: Yep.\n\nChannel 1: is something that's on my to do list.\n\nChannel 0: Yep.\n\nChannel 1: But I don't so I have power of oh, no. Actually, yes. That would still be incorporated, but as I said, that is out of date. I have\n\nChannel 0: That is date.\n\nChannel 1: divorced now, and that's the person that was still power of attorney, so I better do that.\n\nChannel 0: Okay. Yes.\n\nChannel 1: But I do have a beneficiary, and that's my son. He should be\n\nChannel 0: Yes.\n\nChannel 1: listed.\n\nChannel 0: Yes. I've got a 100% here through Finley,\n\nChannel 1: Yep.\n\nChannel 0: and he's nominated. It's a binding, non lapsing nomination, which is great. Essentially, it means it is bound the trustee to follow the direction there, and non lapsing means that it you don't have to keep filling out this form every couple of years. It only has to be updated or revoked if something changes for you, if you wish to change the nomination. Now Finley, he is your child.\n\nHe's is he technically a financial dependent on you? Does he\n\nChannel 1: Yep.\n\nChannel 0: still\n\nChannel 1: No. No. Absolutely not. No.\n\nChannel 0: no.\n\nChannel 1: People,\n\nChannel 0: That's\n\nChannel 1: Tom,\n\nChannel 0: okay. That's okay. So with the difference in the beneficiary nominations, he's eligible to be a beneficiary, which is absolutely fine and can be nominated this way. It does mean, though, because he's not a tax dependent, if in the event that you would have passed away, and we hope this never happens, but if he was to receive the benefit, which he can, he would have to pay tax on the benefit received. It's up to 17%.\n\nThey cover 15% plus the Medicare levy. Are you happy, Jeff, with the way he's receiving the benefit? Did you wanna sort of look at it as a more of a tax effective strategy, or are you happy just to have him noted and have that money paid to him in the event that something was to happen?\n\nChannel 1: So is that my super did you say? We'll go to him or\n\nChannel 0: Yeah.\n\nChannel 1: what like, yes.\n\nChannel 0: Yeah. Yeah. They\n\nChannel 1: How\n\nChannel 0: have\n\nChannel 1: do you pay tax on something that's already taxed? Like you said\n\nChannel 0: yeah.\n\nChannel 1: before, we can't doubt\n\nChannel 0: It's\n\nChannel 1: they don't double tax, but we know that they do because, like, you have to pay death tax after all\n\nChannel 0: yeah.\n\nChannel 1: the\n\nChannel 0: They\n\nChannel 1: money\n\nChannel 0: do.\n\nChannel 1: that we've already paid. So, yeah,\n\nChannel 0: The\n\nChannel 1: let's look at that. I do not wanna give them any more than they have already taken. So if\n\nChannel 0: yeah.\n\nChannel 1: there is another\n\nChannel 0: They don't\n\nChannel 1: way that\n\nChannel 0: have.\n\nChannel 1: he can be benefit.\n\nChannel 0: Yeah. Absolutely. It's just because the money is paid in the super it is taxed inside super, and that's all fine. But when they've essentially, if you were to pass away, if the taxable component is paid to him as a nontax dependent, it it goes into his name, and then he is required to pay tax on the funds. And it generally is up to 70%, so it can reduce the amount that he receives.\n\nIt's actually a taxable component, which most of our super is taxable component because it's all from our employer and salary sacrifice and things like that. There is another way where if you had it directed through to your estate, that it gets lumped in with the rest of your assets. It just needs to then be noted in your will. It can help to depending on how your will is set up, it can then help to reduce the amount of tax you pay. It only really saves about 2%.\n\nThe Medicare levy isn't generally paid on it, and there still is tax consequences within the estate process. But it's completely up to you. Having it the way it is now, there is that extra 2% tax that he may have to pay on the taxable component, which reduces the amount that he may be eligible to receive, but he can receive it faster through the beneficiary nomination you have. Otherwise, we can direct it through to your estate. You have it lumped in with everything else, and your estate transfers it to him.\n\nYou can have it set up in a way of a trust so it pays out more tax effectively to him, or you can have it set as a regular income stream if you needed to. It's up to you on how you would prefer it to be structured.\n\nChannel 1: Okay.\n\nChannel 0: There's lots of things.\n\nChannel 1: Can we,\n\nChannel 0: Hey.\n\nChannel 1: yeah, can we revisit that one next next catch up? Because,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I'd\n\nChannel 0: Absolutely.\n\nChannel 1: like to look in that, and I said I haven't got my wheel. Well, actually, I would need to do that before before I actually make the all that kind of stuff. So I do have\n\nChannel 0: Yeah.\n\nChannel 1: a wheel that's in place, and I don't know, you know, if it'd be found or whatever. I do have it somewhere. But that\n\nChannel 0: Yeah.\n\nChannel 1: that this beneficiary thing, that would override whatever is currently set up for that wheel. Would that be correct?\n\nChannel 0: No. So they're two very separate things. So your\n\nChannel 1: Okay.\n\nChannel 0: beneficiary looks after your super and your life insurance if your beneficiary is set up that way the same way. They are not automatic estate assets. So estate assets are things like your house, your car, your savings account, everything outside of super. Super and life insurances are held completely separate, and that's why you have beneficiary nominations on those to direct either to your estate to be put in with everything else and then directed out as per your wishes, or the beneficiary nomination acts completely separate to your super and your life cover. So at the moment, the way it is sort of set up is your everything outside of super would be directed to your will, to\n\nChannel 1: Okay.\n\nChannel 0: your estate, and that is distributed as per your current will and testament. Your\n\nChannel 1: Right.\n\nChannel 0: super, with it being nominated to Finley and your life insurance, if that's nominated the same way, would then be paid to him.\n\nChannel 1: Okay.\n\nChannel 0: He makes a claim on the estate. We would help him with that, and then he gets that that all that money paid to him.\n\nChannel 1: Right.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: They act\n\nChannel 1: okay.\n\nChannel 0: very\n\nChannel 1: That's good.\n\nChannel 0: much\n\nChannel 1: Yep.\n\nChannel 0: completely separate. Yeah.\n\nChannel 1: Yep. Yep. No. That's good. I just yeah.\n\nDidn't\n\nChannel 0: That's okay?\n\nChannel 1: want anything being\n\nChannel 0: That's okay.\n\nChannel 1: overwritten there.\n\nChannel 0: If\n\nChannel 1: As\n\nChannel 0: absolutely.\n\nChannel 1: long\n\nChannel 0: If you wanted\n\nChannel 1: as\n\nChannel 0: to, we're it's fine\n\nChannel 1: he\n\nChannel 0: to leave the\n\nChannel 1: gets\n\nChannel 0: nomination as\n\nChannel 1: that\n\nChannel 0: it is. I mean, as\n\nChannel 1: part,\n\nChannel 0: I said, this is always\n\nChannel 1: and\n\nChannel 0: just placed\n\nChannel 1: I'll\n\nChannel 0: in there\n\nChannel 1: do\n\nChannel 0: in case something\n\nChannel 1: the\n\nChannel 0: happens\n\nChannel 1: rest.\n\nChannel 0: to you.\n\nChannel 1: Yep.\n\nChannel 0: We realistically hope that nothing happens, that you live your life, you you know, get\n\nChannel 1: 50.\n\nChannel 0: to retirement and can draw your own sleep out and enjoy it. But it's always there just in the in the case that something you know, the one percent of something was happened that you passed away prematurely.\n\nChannel 1: Sure.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: if you want, you're fine to leave the beneficiary nomination as it is. It is completely\n\nChannel 1: Yep.\n\nChannel 0: valid and does mean that Finley gets the benefit. It's just because he's a nontax dependent. Unfortunately, it's a little bit tax that he would, you know, would\n\nChannel 1: Yep.\n\nChannel 0: have to\n\nChannel 1: Yep.\n\nChannel 0: be accounted for. But you're fine to leave it that way so then down the track, we can always\n\nChannel 1: Yeah.\n\nChannel 0: revisit that and sort\n\nChannel 1: Yep.\n\nChannel 0: of look at what you wanted to have happen down the track. Yeah?\n\nChannel 1: So yep. No. That's fine.\n\nChannel 0: Perfect. There's also other strategies. So when you get to about the age of 60, there's also other strategies that we can put in place to increase the tax free component. That way, if you want that paid directly to him, we increase the tax free side of your super fund, which means he doesn't pay tax on the tax free component. It's only the taxable.\n\nSo there are strategies down the track that we can put in place to limit the amount of tax that he would have to pay and to maximize your super benefit for him without having to change the beneficiary nomination. So there's always\n\nChannel 1: Yep.\n\nChannel 0: that option that we have down the track as well. Okay.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yep. Perfect. So there's a lot to this estate planning side of things, and there's a lot to the legislation of it.\n\nChannel 1: They're\n\nChannel 0: It's\n\nChannel 1: gonna\n\nChannel 0: not\n\nChannel 1: get\n\nChannel 0: things\n\nChannel 1: you\n\nChannel 0: that\n\nChannel 1: all\n\nChannel 0: we\n\nChannel 1: the way, aren't they?\n\nChannel 0: absolutely. Absolutely. Like, even if it is directed to the estate, there are taxation consequences. It's just\n\nChannel 1: Yep.\n\nChannel 0: that it's limiting it depending on how you have your will set up.\n\nChannel 1: Yep.\n\nChannel 0: So, you know, there's all they see us coming in every direction. Doesn't matter what we're doing, what happens to us, they see us coming.\n\nChannel 1: Yep. I don't know. I don't know. Let's not get started. It's only early in the day.\n\nI've got enough\n\nChannel 0: That's\n\nChannel 1: to be\n\nChannel 0: it.\n\nChannel 1: angry about in my life to not worry about them for today.\n\nChannel 0: Absolutely. Well, I'll tell you what. What I'll do is I'll try and make things a bit better for you. I'll go back into the research around the the super the investments and the salary sacrifice component. We'll update a plan.\n\nIt'll just take a couple of weeks to get sorted, and then I'll come back and we'll go through the advice documents together, and then you can let me know what you're comfortable taking on board. Does that sound alright? Yep. Beautiful. Lovely.\n\nWell, thank you so much for that. As I mentioned, I'll get the annual review pack sent out to you probably tomorrow. It does have the ongoing service agreement for the next twelve months. It has the financial services guide in there, which has got a lovely photo of me and a bit of information on myself and my registration information as a licensed adviser for you. It's also going to have a probably a lost super search as well.\n\nWe like to make the ATO do a bit of work, and we do get a lost super search every so often so we can send that to the ATO and make them go out there and see if there's any money in the ether anywhere that we can consolidate for you as well.\n\nChannel 1: Yes.\n\nChannel 0: It'll also have your certificate of currency with the updated insurance information. So have a bit of a look at that and let me know if there's any questions that you have in relation to it.\n\nChannel 1: Mhmm.\n\nChannel 0: And then we'll just have I think we'll also pop in there a tax file consent form. So we hold your tax phone number\n\nChannel 1: Yep.\n\nChannel 0: because we look after your super and your life cover. So we just have to make sure you're aware that we do hold your tax phone number there. Okay? But all those documents will be in there for you to review, have a look at, and then you can sign and return those back when you're ready. Okay?\n\nChannel 1: Perfect.\n\nChannel 0: Beautiful. Do you have any questions? I know I've asked you everything under this one. Is there anything you wanted to ask me about myself, about the advice, about anything that we've gone through?\n\nChannel 1: No. It all sounds good to me for now. Thank you.\n\nChannel 0: Oh, beautiful. Not a problem at all, Carly. Thank you so much for your time this morning. I hope you have a lovely Easter. I'll get cracking on the research.\n\nWe'll come back in a couple of weeks' time and go shoot that one. Okay.\n\nChannel 1: Brilliant. Thank you so much. Appreciate your time.\n\nChannel 0: My pleasure. Anytime. You have a lovely day. Thank\n\nChannel 1: You\n\nChannel 0: you.\n\nChannel 1: too.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.030434193089604374}],"sentiment":"neutral","sentiment_score":0.030434193089604374,"channel":1,"num_words":1,"start":0.16,"end":0.65999997},{"sentences":[{"text":"Hi, Carly.","start":1.8399999,"end":2.56,"sentiment":"neutral","sentiment_score":0.13058488443493843},{"text":"This is Dana from Okey Financial.","start":2.56,"end":4.18,"sentiment":"neutral","sentiment_score":0.18362738192081451},{"text":"How are you this morning?","start":4.24,"end":5.38,"sentiment":"neutral","sentiment_score":0.2478417068719864}],"sentiment":"neutral","sentiment_score":0.20016481498113045,"channel":0,"num_words":13,"start":1.8399999,"end":5.38},{"sentences":[{"text":"Good.","start":5.3599997,"end":5.6,"sentiment":"positive","sentiment_score":0.4750251770019531},{"text":"Thanks, Damon.","start":5.6,"end":6.3199997,"sentiment":"positive","sentiment_score":0.431203156709671},{"text":"Sorry.","start":6.3199997,"end":6.64,"sentiment":"neutral","sentiment_score":0.004809770733118057},{"text":"I just missed your last call.","start":6.64,"end":8.42,"sentiment":"neutral","sentiment_score":-0.14899837846557298}],"sentiment":"neutral","sentiment_score":0.04482509903609753,"channel":1,"num_words":10,"start":5.3599997,"end":8.42},{"sentences":[{"text":"Oh, no.","start":8.639999,"end":9.2,"sentiment":"neutral","sentiment_score":-0.0644360650330782},{"text":"That's okay.","start":9.2,"end":9.92,"sentiment":"neutral","sentiment_score":0.053057508543133736},{"text":"Not a problem at all.","start":9.92,"end":10.639999,"sentiment":"neutral","sentiment_score":0.057951705902814864},{"text":"I couldn't tell whether it was ringing or not.","start":10.639999,"end":12.4,"sentiment":"neutral","sentiment_score":-0.09234240982267591},{"text":"I wasn't sure if someone had answered.","start":12.4,"end":13.8550005,"sentiment":"neutral","sentiment_score":-0.11708309075662068}],"sentiment":"neutral","sentiment_score":-0.0553464762866497,"channel":0,"num_words":25,"start":8.639999,"end":13.8550005},{"sentences":[{"text":"I couldn't hear anything, so I thought I'll just call back.","start":13.8550005,"end":16.355,"sentiment":"neutral","sentiment_score":-0.07743128787048838}],"sentiment":"neutral","sentiment_score":-0.07743128787048838,"channel":0,"num_words":11,"start":13.8550005,"end":16.355},{"sentences":[{"text":"All good.","start":17.225,"end":18.045,"sentiment":"neutral","sentiment_score":0.2779686152935028}],"sentiment":"neutral","sentiment_score":0.2779686152935028,"channel":1,"num_words":2,"start":17.225,"end":18.045},{"sentences":[{"text":"Oh, good.","start":18.415,"end":19.055,"sentiment":"neutral","sentiment_score":0.19832828640937805},{"text":"I'm calling you.","start":19.055,"end":19.535,"sentiment":"neutral","sentiment_score":0.11460266262292862},{"text":"I had to book in to have a bit of a chat about contributions this 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a good time?","start":23.855,"end":24.915,"sentiment":"neutral","sentiment_score":0.15364032238721848}],"sentiment":"neutral","sentiment_score":0.15364032238721848,"channel":0,"num_words":4,"start":23.855,"end":24.915},{"sentences":[{"text":"Yes.","start":25.465,"end":25.785,"sentiment":"neutral","sentiment_score":0.036904990673065186},{"text":"I'm just trying to find a set of headphones so that I can hear you better because this phone volume's rubbish.","start":25.785,"end":30.925,"sentiment":"neutral","sentiment_score":-0.041692660766698066}],"sentiment":"neutral","sentiment_score":-0.03812004024670883,"channel":1,"num_words":22,"start":25.465,"end":30.925},{"sentences":[{"text":"That's okay.","start":31.52,"end":32.34,"sentiment":"neutral","sentiment_score":0.049410462379455566}],"sentiment":"neutral","sentiment_score":0.049410462379455566,"channel":0,"num_words":2,"start":31.52,"end":32.34},{"sentences":[{"text":"But","start":32.43,"end":32.59,"sentiment":"neutral","sentiment_score":-0.012030616402626038}],"sentiment":"neutral","sentiment_score":-0.012030616402626038,"channel":1,"num_words":1,"start":32.43,"end":32.59},{"sentences":[{"text":"You're","start":32.48,"end":32.64,"sentiment":"neutral","sentiment_score":-0.08939175307750702}],"sentiment":"neutral","sentiment_score":-0.08939175307750702,"channel":0,"num_words":1,"start":32.48,"end":32.64},{"sentences":[{"text":"that's","start":32.59,"end":32.91,"sentiment":"neutral","sentiment_score":-0.1253461241722107}],"sentiment":"neutral","sentiment_score":-0.1253461241722107,"channel":1,"num_words":1,"start":32.59,"end":32.91},{"sentences":[{"text":"not a","start":32.64,"end":32.96,"sentiment":"neutral","sentiment_score":-0.1060732826590538}],"sentiment":"neutral","sentiment_score":-0.1060732826590538,"channel":0,"num_words":2,"start":32.64,"end":32.96},{"sentences":[{"text":"okay.","start":32.91,"end":33.41,"sentiment":"neutral","sentiment_score":-0.04995330423116684}],"sentiment":"neutral","sentiment_score":-0.04995330423116684,"channel":1,"num_words":1,"start":32.91,"end":33.41},{"sentences":[{"text":"problem at all.","start":32.96,"end":33.94,"sentiment":"neutral","sentiment_score":-0.03918237735827764}],"sentiment":"neutral","sentiment_score":-0.03918237735827764,"channel":0,"num_words":3,"start":32.96,"end":33.94},{"sentences":[{"text":"Can't find","start":34.03,"end":34.75,"sentiment":"neutral","sentiment_score":-0.020948179997503757}],"sentiment":"neutral","sentiment_score":-0.020948179997503757,"channel":1,"num_words":2,"start":34.03,"end":34.75},{"sentences":[{"text":"You're","start":34.64,"end":34.96,"sentiment":"neutral","sentiment_score":-0.03450765833258629}],"sentiment":"neutral","sentiment_score":-0.03450765833258629,"channel":0,"num_words":1,"start":34.64,"end":34.96},{"sentences":[{"text":"anything.","start":34.75,"end":35.23,"sentiment":"neutral","sentiment_score":-0.02206114307045937}],"sentiment":"neutral","sentiment_score":-0.02206114307045937,"channel":1,"num_words":1,"start":34.75,"end":35.23},{"sentences":[{"text":"right.","start":34.96,"end":35.46,"sentiment":"neutral","sentiment_score":0.032490406185388565}],"sentiment":"neutral","sentiment_score":0.032490406185388565,"channel":0,"num_words":1,"start":34.96,"end":35.46},{"sentences":[{"text":"So we'll see how it goes.","start":35.23,"end":36.86,"sentiment":"neutral","sentiment_score":0.04732112524410089}],"sentiment":"neutral","sentiment_score":0.04732112524410089,"channel":1,"num_words":6,"start":35.23,"end":36.86},{"sentences":[{"text":"Yeah.","start":36.96,"end":37.2,"sentiment":"neutral","sentiment_score":0.10226915031671524},{"text":"You're right.","start":37.2,"end":37.84,"sentiment":"neutral","sentiment_score":0.13517840951681137},{"text":"Not a worry at all.","start":37.84,"end":38.879997,"sentiment":"neutral","sentiment_score":0.200105157494545},{"text":"And before we jump into the call, we do need to let you know we do record our calls for quality and training purposes.","start":38.879997,"end":43.335,"sentiment":"neutral","sentiment_score":0.08005134280150135},{"text":"Are you happy for liberty with that?","start":43.335,"end":45.434998,"sentiment":"neutral","sentiment_score":0.10369724673884255}],"sentiment":"neutral","sentiment_score":0.10308371054438445,"channel":0,"num_words":39,"start":36.96,"end":45.434998},{"sentences":[{"text":"Not","start":45.265,"end":45.765,"sentiment":"neutral","sentiment_score":0.003450542688369751}],"sentiment":"neutral","sentiment_score":0.003450542688369751,"channel":1,"num_words":1,"start":45.265,"end":45.765},{"sentences":[{"text":"Fantastic.","start":46.695,"end":47.094997,"sentiment":"neutral","sentiment_score":0.08547556400299072},{"text":"And I'll just do security as","start":47.094997,"end":48.295,"sentiment":"neutral","sentiment_score":0.030242203424374264}],"sentiment":"neutral","sentiment_score":0.038132683507033756,"channel":0,"num_words":7,"start":46.695,"end":48.295},{"sentences":[{"text":"a","start":48.251667,"end":48.751667,"sentiment":"neutral","sentiment_score":0.020216425880789757}],"sentiment":"neutral","sentiment_score":0.020216425880789757,"channel":1,"num_words":1,"start":48.251667,"end":48.751667},{"sentences":[{"text":"well.","start":48.295,"end":48.454998,"sentiment":"neutral","sentiment_score":0.01238115318119526},{"text":"We are discussing your personal information.","start":48.454998,"end":50.054996,"sentiment":"neutral","sentiment_score":0.020082099984089535},{"text":"So I just need to confirm your","start":50.054996,"end":51.335,"sentiment":"neutral","sentiment_score":0.020365478737013682}],"sentiment":"neutral","sentiment_score":0.019673721731773446,"channel":0,"num_words":14,"start":48.295,"end":51.335},{"sentences":[{"text":"problem.","start":51.23833,"end":51.73833,"sentiment":"neutral","sentiment_score":0.013285189867019652}],"sentiment":"neutral","sentiment_score":0.013285189867019652,"channel":1,"num_words":1,"start":51.23833,"end":51.73833},{"sentences":[{"text":"full name, your date of birth, and address I should have on file.","start":51.335,"end":54.074997,"sentiment":"neutral","sentiment_score":0.022581951334499396}],"sentiment":"neutral","sentiment_score":0.022581951334499396,"channel":0,"num_words":13,"start":51.335,"end":54.074997},{"sentences":[{"text":"Harley Aileen 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have mentioned that you were able to save about a thousand dollars on a fortnightly basis from your income.","start":1335.3301,"end":1342.13,"sentiment":"neutral","sentiment_score":-0.002170502079714989},{"text":"Are you still putting money away regularly, or is that kind of just a bit with everything going up?","start":1342.13,"end":1346.865,"sentiment":"neutral","sentiment_score":-0.08612400175709474}],"sentiment":"neutral","sentiment_score":-0.031411450409975186,"channel":0,"num_words":52,"start":1332.2101,"end":1346.865},{"sentences":[{"text":"Oh, that's it a 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much","start":1349.165,"end":1349.645,"sentiment":"neutral","sentiment_score":0.015602665022015572}],"sentiment":"neutral","sentiment_score":0.015602665022015572,"channel":0,"num_words":2,"start":1349.165,"end":1349.645},{"sentences":[{"text":"Yeah.","start":1349.61,"end":1350.11,"sentiment":"neutral","sentiment_score":0.01605253294110298}],"sentiment":"neutral","sentiment_score":0.01605253294110298,"channel":1,"num_words":1,"start":1349.61,"end":1350.11},{"sentences":[{"text":"do you how much do you estimate you might be able to save?","start":1349.645,"end":1352.545,"sentiment":"neutral","sentiment_score":0.03141378783262693}],"sentiment":"neutral","sentiment_score":0.03141378783262693,"channel":0,"num_words":13,"start":1349.645,"end":1352.545},{"sentences":[{"text":"At the minute, probably only about $7,700.","start":1353.53,"end":1357.15,"sentiment":"neutral","sentiment_score":0.008480969816446304}],"sentiment":"neutral","sentiment_score":0.008480969816446304,"channel":1,"num_words":7,"start":1353.53,"end":1357.15},{"sentences":[{"text":"Yep.","start":1357.5801,"end":1358.0801,"sentiment":"neutral","sentiment_score":0.1146337389945984},{"text":"Beautiful.","start":1358.38,"end":1358.88,"sentiment":"neutral","sentiment_score":0.3128402531147003},{"text":"And that's per fortnight because you get paid fortnightly, isn't","start":1359.02,"end":1361.5,"sentiment":"neutral","sentiment_score":0.06140739619731903}],"sentiment":"neutral","sentiment_score":0.08679566284020741,"channel":0,"num_words":12,"start":1357.5801,"end":1361.5},{"sentences":[{"text":"Yeah.","start":1361.29,"end":1361.775,"sentiment":"neutral","sentiment_score":0.011517943814396858}],"sentiment":"neutral","sentiment_score":0.011517943814396858,"channel":1,"num_words":1,"start":1361.29,"end":1361.775},{"sentences":[{"text":"it?","start":1361.5,"end":1362.0,"sentiment":"neutral","sentiment_score":0.02997718006372452},{"text":"Yep.","start":1362.62,"end":1363.02,"sentiment":"neutral","sentiment_score":0.08715181052684784},{"text":"Beautiful.","start":1363.02,"end":1363.52,"sentiment":"neutral","sentiment_score":0.32144802808761597},{"text":"Thank you so much for that.","start":1363.66,"end":1365.2001,"sentiment":"positive","sentiment_score":0.48386119802792865},{"text":"Having a look other sort of do you have any other goals that you're looking","start":1366.06,"end":1369.3401,"sentiment":"neutral","sentiment_score":0.18839373290538788}],"sentiment":"neutral","sentiment_score":0.2569854250177741,"channel":0,"num_words":24,"start":1361.5,"end":1369.3401},{"sentences":[{"text":"Correct.","start":1369.295,"end":1369.795,"sentiment":"neutral","sentiment_score":0.12137184292078018}],"sentiment":"neutral","sentiment_score":0.12137184292078018,"channel":1,"num_words":1,"start":1369.295,"end":1369.795},{"sentences":[{"text":"to achieve down the track or in the next one to two to five years?","start":1369.3401,"end":1372.985,"sentiment":"neutral","sentiment_score":0.11424230436484019},{"text":"Anything else that","start":1372.985,"end":1373.705,"sentiment":"neutral","sentiment_score":0.05913777401049932}],"sentiment":"neutral","sentiment_score":0.10505821597245005,"channel":0,"num_words":18,"start":1369.3401,"end":1373.705},{"sentences":[{"text":"Yes.","start":1373.6951,"end":1374.1951,"sentiment":"neutral","sentiment_score":0.06650520861148834}],"sentiment":"neutral","sentiment_score":0.06650520861148834,"channel":1,"num_words":1,"start":1373.6951,"end":1374.1951},{"sentences":[{"text":"you might be wanting to aim for?","start":1373.705,"end":1376.0449,"sentiment":"neutral","sentiment_score":0.054946561477013996}],"sentiment":"neutral","sentiment_score":0.054946561477013996,"channel":0,"num_words":7,"start":1373.705,"end":1376.0449},{"sentences":[{"text":"No.","start":1375.92,"end":1376.16,"sentiment":"neutral","sentiment_score":-0.08213205635547638},{"text":"Not really all the same.","start":1376.16,"end":1377.12,"sentiment":"neutral","sentiment_score":-0.08579938858747482},{"text":"Just get the mortgage down","start":1377.12,"end":1378.48,"sentiment":"neutral","sentiment_score":-0.027818775177001952}],"sentiment":"neutral","sentiment_score":-0.05911117047071457,"channel":1,"num_words":11,"start":1375.92,"end":1378.48},{"sentences":[{"text":"Yep.","start":1378.105,"end":1378.605,"sentiment":"neutral","sentiment_score":0.027581550180912014}],"sentiment":"neutral","sentiment_score":0.027581550180912014,"channel":0,"num_words":1,"start":1378.105,"end":1378.605},{"sentences":[{"text":"and try and say","start":1378.48,"end":1379.44,"sentiment":"neutral","sentiment_score":0.047705127857625484}],"sentiment":"neutral","sentiment_score":0.047705127857625484,"channel":1,"num_words":4,"start":1378.48,"end":1379.44},{"sentences":[{"text":"Yep.","start":1379.225,"end":1379.725,"sentiment":"neutral","sentiment_score":0.051605433225631714}],"sentiment":"neutral","sentiment_score":0.051605433225631714,"channel":0,"num_words":1,"start":1379.225,"end":1379.725},{"sentences":[{"text":"for the future.","start":1379.44,"end":1380.34,"sentiment":"neutral","sentiment_score":0.07242349286874135}],"sentiment":"neutral","sentiment_score":0.07242349286874135,"channel":1,"num_words":3,"start":1379.44,"end":1380.34},{"sentences":[{"text":"Yep.","start":1381.065,"end":1381.385,"sentiment":"neutral","sentiment_score":0.06436455249786377},{"text":"Yep.","start":1381.385,"end":1381.7849,"sentiment":"neutral","sentiment_score":0.1120581179857254},{"text":"Perfect.","start":1381.7849,"end":1382.2849,"sentiment":"neutral","sentiment_score":0.30460870265960693},{"text":"Not a problem at all.","start":1382.825,"end":1384.23,"sentiment":"neutral","sentiment_score":0.16973392367362977},{"text":"And I've got down here marital status that you are single.","start":1384.5499,"end":1387.4299,"sentiment":"neutral","sentiment_score":0.08229901709339836}],"sentiment":"neutral","sentiment_score":0.11763106208098562,"channel":0,"num_words":19,"start":1381.065,"end":1387.4299},{"sentences":[{"text":"Is that still correct?","start":1387.4299,"end":1388.65,"sentiment":"neutral","sentiment_score":0.0753522552549839}],"sentiment":"neutral","sentiment_score":0.0753522552549839,"channel":0,"num_words":4,"start":1387.4299,"end":1388.65},{"sentences":[{"text":"Absolutely.","start":1388.88,"end":1389.38,"sentiment":"neutral","sentiment_score":0.16994184255599976}],"sentiment":"neutral","sentiment_score":0.16994184255599976,"channel":1,"num_words":1,"start":1388.88,"end":1389.38},{"sentences":[{"text":"Yep.","start":1389.99,"end":1390.3099,"sentiment":"neutral","sentiment_score":0.14772562682628632},{"text":"Lovely.","start":1390.3099,"end":1390.71,"sentiment":"neutral","sentiment_score":0.09133193641901016},{"text":"And I've got in here financial dependence.","start":1390.71,"end":1392.5499,"sentiment":"neutral","sentiment_score":-0.05892339827758925},{"text":"You have one son at home.","start":1392.5499,"end":1393.99,"sentiment":"neutral","sentiment_score":-0.04426857208212217},{"text":"He was 18 at the time.","start":1393.99,"end":1395.77,"sentiment":"neutral","sentiment_score":-0.03467651611814896}],"sentiment":"neutral","sentiment_score":-0.030813178757116907,"channel":0,"num_words":21,"start":1389.99,"end":1395.77},{"sentences":[{"text":"Is he still a financial dependence still living at home?","start":1396.15,"end":1398.95,"sentiment":"neutral","sentiment_score":-0.054972318932414055},{"text":"Or","start":1398.95,"end":1399.45,"sentiment":"neutral","sentiment_score":-0.037337057292461395}],"sentiment":"neutral","sentiment_score":-0.053369113328782,"channel":0,"num_words":11,"start":1396.15,"end":1399.45},{"sentences":[{"text":"He's full time working, but he is still living at home.","start":1400.105,"end":1402.845,"sentiment":"neutral","sentiment_score":-0.03400484777309678}],"sentiment":"neutral","sentiment_score":-0.03400484777309678,"channel":1,"num_words":11,"start":1400.105,"end":1402.845},{"sentences":[{"text":"okay.","start":1403.215,"end":1403.715,"sentiment":"neutral","sentiment_score":0.3263247013092041},{"text":"Perfect.","start":1403.7749,"end":1404.2749,"sentiment":"positive","sentiment_score":0.7147625684738159},{"text":"Lovely.","start":1404.495,"end":1404.995,"sentiment":"positive","sentiment_score":0.7434537410736084},{"text":"Beautiful.","start":1405.0549,"end":1405.5549,"sentiment":"positive","sentiment_score":0.6575837135314941},{"text":"Another thing that sorta can factor in with the advice is your insurance aspect.","start":1406.335,"end":1410.1749,"sentiment":"neutral","sentiment_score":0.04010970039027078}],"sentiment":"neutral","sentiment_score":0.16687002943621743,"channel":0,"num_words":18,"start":1403.215,"end":1410.1749},{"sentences":[{"text":"So at the moment, you do have your life and TBD component here.","start":1410.1749,"end":1413.87,"sentiment":"neutral","sentiment_score":-0.00017604797791976183},{"text":"I'm having trouble getting into MetLife to have a look at the actual policy you hold.","start":1414.11,"end":1418.11,"sentiment":"neutral","sentiment_score":-0.08973550470545888},{"text":"But with your life and TBD, I'll send through a bit of an annual review pack in the next couple of hours as well just to kind of it'll probably actually come through tomorrow.","start":1418.11,"end":1427.71,"sentiment":"neutral","sentiment_score":-0.027368674397139865},{"text":"Sorry.","start":1427.71,"end":1427.95,"sentiment":"neutral","sentiment_score":-0.09549853205680849},{"text":"Because, you know, this is a bit slow today.","start":1427.95,"end":1430.075,"sentiment":"neutral","sentiment_score":-0.16717135906219482}],"sentiment":"neutral","sentiment_score":-0.05436482728930981,"channel":0,"num_words":73,"start":1410.1749,"end":1430.075},{"sentences":[{"text":"But,","start":1430.295,"end":1430.615,"sentiment":"neutral","sentiment_score":-0.04151708632707596}],"sentiment":"neutral","sentiment_score":-0.04151708632707596,"channel":0,"num_words":1,"start":1430.295,"end":1430.615},{"sentences":[{"text":"Yep.","start":1430.38,"end":1430.88,"sentiment":"neutral","sentiment_score":-0.01658463105559349}],"sentiment":"neutral","sentiment_score":-0.01658463105559349,"channel":1,"num_words":1,"start":1430.38,"end":1430.88},{"sentences":[{"text":"essentially, with the annual review packet, we'll also have this updated certificate of currency with regard to your insurance levels there.","start":1430.615,"end":1436.955,"sentiment":"neutral","sentiment_score":0.01550076123593109},{"text":"Based on what I have at the moment, when we last were able to catch up, your life and TPD was a bit over $100,000 in value.","start":1437.335,"end":1445.2401,"sentiment":"neutral","sentiment_score":-0.02110678454240163},{"text":"Are you happy with the life and TPD components you have at the moment?","start":1445.9401,"end":1449.6201,"sentiment":"neutral","sentiment_score":-0.00043220951088837264},{"text":"Did you wanna look at altering those amounts?","start":1449.6201,"end":1451.8,"sentiment":"neutral","sentiment_score":-0.04394714580848813},{"text":"Or","start":1451.9401,"end":1452.18,"sentiment":"neutral","sentiment_score":-0.09151821583509444}],"sentiment":"neutral","sentiment_score":-0.009767795945714476,"channel":0,"num_words":71,"start":1430.615,"end":1452.18},{"sentences":[{"text":"No.","start":1452.715,"end":1452.875,"sentiment":"neutral","sentiment_score":-0.27583932876586914},{"text":"I think everything should be okay 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indexed.","start":1459.635,"end":1461.5549,"sentiment":"neutral","sentiment_score":0.09957281798124314}],"sentiment":"neutral","sentiment_score":0.19319991767406464,"channel":0,"num_words":17,"start":1455.1549,"end":1461.5549},{"sentences":[{"text":"They do increase every year as they go through renewal, so the amount you'll have will be higher than what we have here at the moment.","start":1461.5549,"end":1467.495,"sentiment":"neutral","sentiment_score":0.0930295016330022},{"text":"It does also mean that the insurance the premiums will keep going up as well.","start":1468.02,"end":1472.28,"sentiment":"neutral","sentiment_score":0.04037580788135529},{"text":"However, it's just important we keep reviewing those down the track there.","start":1473.38,"end":1476.98,"sentiment":"neutral","sentiment_score":0.07124301216875513},{"text":"So happy with the life and TPD, keep them at the same levels at the moment there.","start":1476.98,"end":1482.68,"sentiment":"neutral","sentiment_score":0.32703301135231466},{"text":"With your income protection policy, and an income protection is generally the first thing we claim.","start":1482.865,"end":1487.265,"sentiment":"neutral","sentiment_score":-0.02291323314420879}],"sentiment":"neutral","sentiment_score":0.10549150894634253,"channel":0,"num_words":86,"start":1461.5549,"end":1487.265},{"sentences":[{"text":"One, it is the most expensive part of the policy given I'm just going on the value I have at the moment, and I'll double check the value that we have.","start":1487.265,"end":1495.985,"sentiment":"neutral","sentiment_score":-0.1024154851273183},{"text":"But based on 60,000 because you can be covered for up to 70% of your income.","start":1495.985,"end":1503.02,"sentiment":"neutral","sentiment_score":0.02025181462522596},{"text":"So it'll be about 3,500.","start":1504.04,"end":1506.9401,"sentiment":"neutral","sentiment_score":0.0009298200428020209},{"text":"The income protection policy we have at the moment has a monthly benefit that you're insured for $3.04 $9.09.","start":1507.24,"end":1513.555,"sentiment":"neutral","sentiment_score":0.02577129766965906},{"text":"Again, that is indexed, so it'll be a little bit higher than what it is at the moment.","start":1513.555,"end":1517.0751,"sentiment":"neutral","sentiment_score":0.05225122616522842}],"sentiment":"neutral","sentiment_score":-0.01638405086024167,"channel":0,"num_words":89,"start":1487.265,"end":1517.0751},{"sentences":[{"text":"As long as you're over that or at or over that 3,500 mark, you're pretty well on par with what you can be covered 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all?","start":1525.87,"end":1530.35,"sentiment":"neutral","sentiment_score":0.10422472606102626},{"text":"Or","start":1530.35,"end":1530.85,"sentiment":"neutral","sentiment_score":0.008293461054563522}],"sentiment":"neutral","sentiment_score":0.14638415131379257,"channel":0,"num_words":22,"start":1524.35,"end":1530.85},{"sentences":[{"text":"No.","start":1530.5399,"end":1530.7799,"sentiment":"neutral","sentiment_score":-0.0023035146296024323},{"text":"That sounds like it should 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you.","start":1533.9501,"end":1537.515,"sentiment":"positive","sentiment_score":0.4460391137335036},{"text":"It will also have our ongoing service agreement, just making sure you're happy to stay on board for the next year and keep us as as your advisers.","start":1538.0751,"end":1545.055,"sentiment":"positive","sentiment_score":0.6202730100069728},{"text":"Just so you're aware, you do pay an ongoing service fee of 1.65% per annum.","start":1545.835,"end":1550.235,"sentiment":"neutral","sentiment_score":0.14301323294639587},{"text":"It is calculated and deducted out of your super fund on a monthly basis in smaller increments.","start":1550.235,"end":1555.3899,"sentiment":"neutral","sentiment_score":0.16603324080214782}],"sentiment":"positive","sentiment_score":0.3930209484658664,"channel":0,"num_words":79,"start":1533.39,"end":1555.3899},{"sentences":[{"text":"And the idea of a percentage based fee is that it fluctuates with the market.","start":1555.69,"end":1559.1299,"sentiment":"neutral","sentiment_score":0.07750615502397219},{"text":"So when the market's doing really well, our fee is gonna be a little bit higher.","start":1559.1299,"end":1563.0499,"sentiment":"neutral","sentiment_score":0.030641666846349835},{"text":"However, when the fee takes sorry.","start":1563.0499,"end":1564.57,"sentiment":"neutral","sentiment_score":-0.041745838398734726},{"text":"When the market takes a bit of a dip, like what can be happening at the moment, essentially, our fee would take a bit of a dip there with it as well.","start":1564.57,"end":1571.915,"sentiment":"neutral","sentiment_score":0.008912071178201586},{"text":"But I'll make sure all of those in the annual review pack and send that through to 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can.","start":1915.765,"end":1916.3451,"sentiment":"neutral","sentiment_score":0.1646958515048027},{"text":"Yeah.","start":1916.5651,"end":1917.0651,"sentiment":"neutral","sentiment_score":0.1181444376707077}],"sentiment":"neutral","sentiment_score":0.14917871356010437,"channel":1,"num_words":3,"start":1915.765,"end":1917.0651},{"sentences":[{"text":"Yeah.","start":1916.65,"end":1917.05,"sentiment":"neutral","sentiment_score":0.23256263136863708},{"text":"Beautiful.","start":1917.05,"end":1917.55,"sentiment":"positive","sentiment_score":0.5395851135253906},{"text":"Excellent.","start":1917.77,"end":1918.27,"sentiment":"positive","sentiment_score":0.5409793853759766},{"text":"Well, that based into the risk profile.","start":1918.65,"end":1920.505,"sentiment":"neutral","sentiment_score":0.10008796517338071},{"text":"So having a look that you have scored in that growth environment there, now it does normally suit someone who has about six years before they're needing to or wanting to access their funds.","start":1920.505,"end":1929.0651,"sentiment":"neutral","sentiment_score":0.08348185497829143}],"sentiment":"neutral","sentiment_score":0.11027558990330859,"channel":0,"num_words":44,"start":1916.65,"end":1929.0651},{"sentences":[{"text":"So being that you've got ten years at the moment, you do have that time horizon to remain in that you do have that 80% in those higher risk investments of things like sorry.","start":1929.0651,"end":1939.56,"sentiment":"neutral","sentiment_score":0.009063425309517804},{"text":"International shares, domestic shares, a bit of commodities like gold and silver often, and also a bit of property there, which is good.","start":1939.56,"end":1946.92,"sentiment":"neutral","sentiment_score":0.1278325416471647},{"text":"That's where you get a lot of the growth from, but it's also where we see the market fluctuations that can make us a little bit nervous.","start":1946.92,"end":1952.975,"sentiment":"neutral","sentiment_score":-0.08015796073057034}],"sentiment":"neutral","sentiment_score":0.012905237841464225,"channel":0,"num_words":84,"start":1929.0651,"end":1952.975},{"sentences":[{"text":"Yep.","start":1953.23,"end":1953.73,"sentiment":"neutral","sentiment_score":0.00001808255910873413}],"sentiment":"neutral","sentiment_score":0.00001808255910873413,"channel":1,"num_words":1,"start":1953.23,"end":1953.73},{"sentences":[{"text":"The other 20% is in lower risk investments, the things like cash, bonds, and fixed interest.","start":1953.515,"end":1958.475,"sentiment":"neutral","sentiment_score":0.0179216651013121},{"text":"They tend to get a lower rate of return, but they don't fluctuate and grow as much in those volatile times.","start":1958.475,"end":1964.655,"sentiment":"neutral","sentiment_score":0.0033192717071090427},{"text":"So having a mix of those is sort of where you wanna be, and you do have the time horizon for that one.","start":1965.4199,"end":1970.24,"sentiment":"neutral","sentiment_score":0.13365216682786527},{"text":"It was sort of aiming for an expected annual return compounding of about seven to 9% with this sort of a portfolio.","start":1970.5399,"end":1976.6399,"sentiment":"neutral","sentiment_score":0.13174467872489581},{"text":"Anything above that is great and you're, you know, overachieving for the year.","start":1976.7799,"end":1981.485,"sentiment":"positive","sentiment_score":0.3991253994978391}],"sentiment":"neutral","sentiment_score":0.12123646642032422,"channel":0,"num_words":95,"start":1953.515,"end":1981.485},{"sentences":[{"text":"Anything under that is technically, you know, not quite meeting the expectation that we have, but we do understand markets do fluctuate.","start":1981.625,"end":1988.365,"sentiment":"neutral","sentiment_score":-0.19540566781705077},{"text":"And we have years where you might get a 20% return, years where you might only get a 5% return.","start":1988.425,"end":1993.48,"sentiment":"neutral","sentiment_score":-0.15203123167157173},{"text":"And we do expect with this sort of environment that the likelihood of a negative return could be about one in every five years.","start":1993.48,"end":2000.38,"sentiment":"neutral","sentiment_score":-0.2811531809469064},{"text":"Do you","start":2000.52,"end":2000.92,"sentiment":"neutral","sentiment_score":-0.026219427585601807}],"sentiment":"neutral","sentiment_score":-0.2079362429897575,"channel":0,"num_words":68,"start":1981.625,"end":2000.92},{"sentences":[{"text":"Yep.","start":2000.735,"end":2001.235,"sentiment":"neutral","sentiment_score":-0.002943673636764288}],"sentiment":"neutral","sentiment_score":-0.002943673636764288,"channel":1,"num_words":1,"start":2000.735,"end":2001.235},{"sentences":[{"text":"feel like knowing that you're comfortable staying where you are at the moment?","start":2000.92,"end":2004.2201,"sentiment":"neutral","sentiment_score":0.059314826073554844}],"sentiment":"neutral","sentiment_score":0.059314826073554844,"channel":0,"num_words":13,"start":2000.92,"end":2004.2201},{"sentences":[{"text":"Yeah.","start":2004.3701,"end":2004.8501,"sentiment":"neutral","sentiment_score":0.07577286660671234},{"text":"Yep.","start":2004.8501,"end":2005.3501,"sentiment":"neutral","sentiment_score":0.06335033476352692}],"sentiment":"neutral","sentiment_score":0.06956160068511963,"channel":1,"num_words":2,"start":2004.3701,"end":2005.3501},{"sentences":[{"text":"Yep.","start":2005.4451,"end":2005.925,"sentiment":"neutral","sentiment_score":0.0802837535738945},{"text":"Yep.","start":2005.925,"end":2006.245,"sentiment":"neutral","sentiment_score":0.1627325713634491},{"text":"Beautiful.","start":2006.245,"end":2006.745,"sentiment":"positive","sentiment_score":0.5000303983688354},{"text":"Excellent.","start":2006.885,"end":2007.385,"sentiment":"positive","sentiment_score":0.4831523895263672},{"text":"So I'll keep looking at the growth portfolio.","start":2007.525,"end":2009.4651,"sentiment":"neutral","sentiment_score":0.11027821339666843}],"sentiment":"neutral","sentiment_score":0.17570206833382448,"channel":0,"num_words":12,"start":2005.4451,"end":2009.4651},{"sentences":[{"text":"I'll go back and just re have a look at the way your investments are structured, maybe look at if there's a way to alter a few things.","start":2009.525,"end":2016.245,"sentiment":"neutral","sentiment_score":0.019884536708039895},{"text":"I replace that Benelung Australian Equities and look at something that might be a little bit better for you.","start":2016.245,"end":2021.63,"sentiment":"neutral","sentiment_score":-0.01890992539885797},{"text":"I'll look at something.","start":2021.9299,"end":2022.8899,"sentiment":"neutral","sentiment_score":0.0027272735023871064},{"text":"So Benelung was more of an actively managed part of your portfolio.","start":2022.8899,"end":2026.4099,"sentiment":"neutral","sentiment_score":0.039093004539608955},{"text":"They're an active manager.","start":2026.4099,"end":2027.71,"sentiment":"neutral","sentiment_score":0.06881958059966564}],"sentiment":"neutral","sentiment_score":0.014220625613885584,"channel":0,"num_words":67,"start":2009.525,"end":2027.71},{"sentences":[{"text":"Their job is to be trying to buy and sell and outperform against the indices or the market segment that they're trying to track.","start":2028.09,"end":2035.185,"sentiment":"neutral","sentiment_score":0.04495499391729633},{"text":"They haven't actually done that, and they've had a few underlying issues.","start":2035.7251,"end":2038.685,"sentiment":"neutral","sentiment_score":-0.1093609668314457},{"text":"So we do wanna remove that there.","start":2038.685,"end":2041.0851,"sentiment":"neutral","sentiment_score":-0.035932450156126707},{"text":"We are looking at putting you into something a bit more passively managed.","start":2041.0851,"end":2044.2051,"sentiment":"neutral","sentiment_score":0.01268647897701997},{"text":"So the idea of a passively managed portfolio was that attract the market, which when you think about active manager and trying to outperform the market to do so, you have to be trying to time the market, trying to buy and sell in at the right time, and there's a risk that active managers aren't gonna make that or and they definitely","start":2044.2051,"end":2060.115,"sentiment":"neutral","sentiment_score":0.03818177254427047}],"sentiment":"neutral","sentiment_score":0.017524680654917444,"channel":0,"num_words":119,"start":2028.09,"end":2060.115},{"sentences":[{"text":"Yep.","start":2059.99,"end":2060.49,"sentiment":"neutral","sentiment_score":-0.0193145964294672}],"sentiment":"neutral","sentiment_score":-0.0193145964294672,"channel":1,"num_words":1,"start":2059.99,"end":2060.49},{"sentences":[{"text":"don't do that every year.","start":2060.115,"end":2061.415,"sentiment":"neutral","sentiment_score":-0.08707510456442832},{"text":"So often having something a bit cheaper like a passively managed index fund can actually get you better returns because you're just participating in the market.","start":2061.475,"end":2070.435,"sentiment":"positive","sentiment_score":0.36776125316436475},{"text":"You're just sitting in through those downtimes, taking advantage, and putting money in, and not trying to time the market.","start":2070.435,"end":2076.72,"sentiment":"neutral","sentiment_score":0.3320311404764652},{"text":"And often, passive managers outperform greater than than active managers do.","start":2076.72,"end":2082.88,"sentiment":"positive","sentiment_score":0.4464581717144359},{"text":"They actually provide greater returns over longer term.","start":2082.88,"end":2085.5999,"sentiment":"positive","sentiment_score":0.6046918109059334}],"sentiment":"positive","sentiment_score":0.364508774929813,"channel":0,"num_words":70,"start":2060.115,"end":2085.5999},{"sentences":[{"text":"So if you're happy with me looking at something like that, I'll go back and review the different investment options we have, and I can incorporate that salary sacrifice there for you.","start":2085.5999,"end":2094.275,"sentiment":"neutral","sentiment_score":0.27859586849808693},{"text":"Does that make sense?","start":2094.275,"end":2095.075,"sentiment":"neutral","sentiment_score":0.14210090599954128},{"text":"Do you have any questions?","start":2095.075,"end":2096.1948,"sentiment":"neutral","sentiment_score":0.06952322125434876},{"text":"You're welcome to ask me anything you like, Carly.","start":2096.1948,"end":2098.535,"sentiment":"neutral","sentiment_score":0.17974721805916893}],"sentiment":"neutral","sentiment_score":0.22897624969482422,"channel":0,"num_words":50,"start":2085.5999,"end":2098.535},{"sentences":[{"text":"No.","start":2098.8,"end":2099.04,"sentiment":"neutral","sentiment_score":0.08985684812068939},{"text":"That sounds all good.","start":2099.04,"end":2100.34,"sentiment":"neutral","sentiment_score":0.24761346727609634}],"sentiment":"neutral","sentiment_score":0.21606214344501495,"channel":1,"num_words":5,"start":2098.8,"end":2100.34},{"sentences":[{"text":"Yep.","start":2100.63,"end":2101.03,"sentiment":"neutral","sentiment_score":0.3055088222026825},{"text":"Beautiful.","start":2101.03,"end":2101.53,"sentiment":"positive","sentiment_score":0.6531682014465332},{"text":"Excellent.","start":2102.47,"end":2102.97,"sentiment":"positive","sentiment_score":0.6875038146972656},{"text":"I'll keep you that growth environment there.","start":2103.27,"end":2105.1099,"sentiment":"positive","sentiment_score":0.5017627264772143},{"text":"I'll just note that we're looking at the super side of things.","start":2105.1099,"end":2107.75,"sentiment":"neutral","sentiment_score":0.11057497002184391}],"sentiment":"neutral","sentiment_score":0.2947917983613231,"channel":0,"num_words":22,"start":2100.63,"end":2107.75},{"sentences":[{"text":"We're not looking at altering anything with regard to the insurances.","start":2107.75,"end":2111.45,"sentiment":"neutral","sentiment_score":0.003571588376706297},{"text":"Because they are paid out of your super, it will be scoped into the advisers on a limited basis just because your your cons premiums come out of super, so it does have a long term effect on your super.","start":2112.075,"end":2122.4949,"sentiment":"neutral","sentiment_score":0.13055738685652613},{"text":"But I'll just have that scoped in as a bit of a limit to show you the outcome.","start":2122.875,"end":2126.895,"sentiment":"neutral","sentiment_score":0.08181564220123821},{"text":"I'll also factor in the retirement aspect just having a look at where we're heading over the next ten years and what that might look like for you.","start":2127.74,"end":2134.48,"sentiment":"neutral","sentiment_score":0.13673169831080095},{"text":"Okay?","start":2134.54,"end":2135.04,"sentiment":"neutral","sentiment_score":0.0904848724603653}],"sentiment":"neutral","sentiment_score":0.10870649929785607,"channel":0,"num_words":98,"start":2107.75,"end":2135.04},{"sentences":[{"text":"Yep.","start":2135.3252,"end":2135.645,"sentiment":"neutral","sentiment_score":0.1598488688468933},{"text":"Sounds good.","start":2135.645,"end":2136.5452,"sentiment":"positive","sentiment_score":0.3518757075071335}],"sentiment":"neutral","sentiment_score":0.2878667612870534,"channel":1,"num_words":3,"start":2135.3252,"end":2136.5452},{"sentences":[{"text":"The only other thing I'm just looking at here is just your sorry.","start":2136.7,"end":2141.28,"sentiment":"neutral","sentiment_score":-0.03581544928825819},{"text":"The your beneficiary nominations here.","start":2141.5798,"end":2145.445,"sentiment":"neutral","sentiment_score":-0.043228736519813536},{"text":"Now having a look back, I can't see whether anyone's ever called up and asked you about if you've got a will or power of attorney set up.","start":2145.445,"end":2152.885,"sentiment":"neutral","sentiment_score":-0.03881977704752769},{"text":"Have you ever drafted a will or power of attorney?","start":2152.885,"end":2155.465,"sentiment":"neutral","sentiment_score":-0.007240429520606995}],"sentiment":"neutral","sentiment_score":-0.03287683171220124,"channel":0,"num_words":56,"start":2136.7,"end":2155.465},{"sentences":[{"text":"I do have a will.","start":2156.165,"end":2157.365,"sentiment":"neutral","sentiment_score":-0.0044417459517717365},{"text":"It is out of date, so I 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a look at, and then you can sign and return those back when you're ready.","start":2678.19,"end":2684.11,"sentiment":"neutral","sentiment_score":0.15231692711157457},{"text":"Okay?","start":2684.11,"end":2684.61,"sentiment":"neutral","sentiment_score":0.15800243616104126}],"sentiment":"neutral","sentiment_score":0.11421677910176845,"channel":0,"num_words":58,"start":2671.145,"end":2684.61},{"sentences":[{"text":"Perfect.","start":2685.37,"end":2685.87,"sentiment":"positive","sentiment_score":0.7445113658905029}],"sentiment":"positive","sentiment_score":0.7445113658905029,"channel":1,"num_words":1,"start":2685.37,"end":2685.87},{"sentences":[{"text":"Beautiful.","start":2686.43,"end":2686.91,"sentiment":"positive","sentiment_score":0.7465895414352417},{"text":"Do you have any questions?","start":2686.91,"end":2688.03,"sentiment":"neutral","sentiment_score":0.2962721407413483},{"text":"I know I've asked you everything under this 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They explain that contributions can be made in various ways, including salary or deductible contributions, and the deductible contribution is a tax deduction. The speaker emphasizes the importance of investing in the correct portfolio and reassessing retirement goals. They also discuss retirement savings and retirement plans, including updating retirement plans and adjusting income. The speaker emphasizes the importance of reviewing investment portfolios and incorporating a salary sacrifice into the portfolio. They also discuss the benefits of a tax-efficient strategy and the possibility of revisiting the program if the customer needs to make changes."},"intents":{"segments":[{"text":"I'm calling you. I had to book in to have a bit of a chat about contributions this morning. 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Yep.","start_word":2936,"end_word":2999,"intents":[{"intent":"Evaluate financial options","confidence_score":0.0025986591}]},{"text":"And do you happen to know when you do retire, what kinda income you might be hoping to live off on a weekly basis? Are you wanting to kinda live on the same income you have now, or do you think it might be a little bit less, might be okay? Yeah.","start_word":3324,"end_word":3375,"intents":[{"intent":"Assess retirement options","confidence_score":0.008073822}]},{"text":"I was one of the smart ones and have actually fixed my rate. Oh, So fantastic.","start_word":3664,"end_word":3679,"intents":[{"intent":"Negotiate rates","confidence_score":0.002398636}]},{"text":"Part of what I do is the retirement aspect of advice is I limited scope it in at the moment to kinda show the projected outcome of where we're heading based on what we have, but I also do tend to factor in if you might be eligible for Fendalink from around eight to seven to help provide longevity to your super. Yep.","start_word":4020,"end_word":4082,"intents":[{"intent":"Assess retirement options","confidence_score":0.066191345}]},{"text":"But as we get closer, we'll really start to assess what you might be eligible for and how it can help benefit you, and I'll make sure I help you apply for it when the time comes. Okay.","start_word":4372,"end_word":4409,"intents":[{"intent":"Assess eligibility","confidence_score":0.15701596},{"intent":"Apply for insurance","confidence_score":0.017241567}]},{"text":"There's no large sums of savings or anything that you've got sitting in the bank anywhere? Unfortunately, not. Nope.","start_word":4463,"end_word":4481,"intents":[{"intent":"Determine savings","confidence_score":0.1321977}]},{"text":"Thank you so much for that. Having a look other sort of do you have any other goals that you're looking Correct. to achieve down the track or in the next one to two to five years? Anything else that Yes.","start_word":4584,"end_word":4624,"intents":[{"intent":"Determine goals","confidence_score":0.49775833}]},{"text":"Not really all the same. Just get the mortgage down Yep.","start_word":4633,"end_word":4643,"intents":[{"intent":"Arrange mortgage","confidence_score":0.0003747598}]},{"text":"As long as you're over that or at or over that 3,500 mark, you're pretty well on par with what you can be covered for. Yep.","start_word":5084,"end_word":5109,"intents":[{"intent":"Evaluate policy cover","confidence_score":0.00028997575}]},{"text":"Are you wanting to reevaluate any other levels of cover that might be paid out of your back pocket that might give you other cover, or you're just happy with the insurances as they are and not wanting to reassess them in in any way? Yeah.","start_word":5537,"end_word":5582,"intents":[{"intent":"Evaluate cover levels","confidence_score":0.015410535}]},{"text":"Well, do they give you a statement or anything? They do.","start_word":5886,"end_word":5896,"intents":[{"intent":"Share statement","confidence_score":0.31955168}]},{"text":"Well, do they give you a statement or anything? They do. Yes.","start_word":5886,"end_word":5897,"intents":[{"intent":"Request statement","confidence_score":0.12453664}]},{"text":"If you wanted to maybe, at the point, email me that statement or let us know, we Yep. can always have a look and help you along with that.","start_word":5917,"end_word":5945,"intents":[{"intent":"Seek assistance","confidence_score":0.0035496256}]},{"text":"Realistically, when it comes to selling investments in your own name, there are capital gains consequences to factor in. But if you ever wanted to talk about what they are, maybe look at selling them, what the consequences would be, you're welcome to let me know. We can help you along Cool. with that as well. Okay? Cool.","start_word":5946,"end_word":6003,"intents":[{"intent":"Discuss capital gains implications","confidence_score":0.050785813}]},{"text":"With the the next question here is more about inflation. So we know that markets are going up and down at the moment. There's a lot of uncertainty out there and a lot of volatility. If you saw your super fall in the future over the next few months there and it was down by about 10 or 20 or 30%, how do you think you might be feeling? Are you feeling a bit concerned?","start_word":6114,"end_word":6188,"intents":[{"intent":"Discuss inflation","confidence_score":0.10922345}]},{"text":"When do you think about the level of risk that you're comfortable taking in order to get the best returns you can? Are you wanting to take on the highest amount of risk or a really high amount of risk to try and get the best returns you possibly can? Are you wanting to take on a medium or moderate amount of risk to still get the best returns you can obtain, or are you not wanting to take much risk in the market knowing the returns are lower generally?","start_word":6268,"end_word":6357,"intents":[{"intent":"Evaluate risk levels","confidence_score":0.0017192963}]},{"text":"I said if it if it did take a really big drop, I'd probably go back go up to medium to moderate. But at Yep.","start_word":6358,"end_word":6382,"intents":[{"intent":"Evaluate interest rate","confidence_score":0.00012928245}]},{"text":"And have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for, say, property? And have you ever thought about an investment property before?","start_word":6402,"end_word":6441,"intents":[{"intent":"Evaluate bank portfolio","confidence_score":8.9452396e-7}]},{"text":"So being that you've got ten years at the moment, you do have that time horizon to remain in that you do have that 80% in those higher risk investments of things like sorry. International shares, domestic shares, a bit of commodities like gold and silver often, and also a bit of property there, which is good.","start_word":6561,"end_word":6617,"intents":[{"intent":"Evaluate investments/performance","confidence_score":1.3177313e-7}]},{"text":"So if you're happy with me looking at something like that, I'll go back and review the different investment options we have, and I can incorporate that salary sacrifice there for you. Does that make sense?","start_word":7093,"end_word":7128,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.2455975}]},{"text":"Have you ever drafted a will or power of attorney?","start_word":7318,"end_word":7327,"intents":[{"intent":"Create will","confidence_score":0.024408374}]},{"text":"That would still be incorporated, but as I said, that is out of date. I have That is date.","start_word":7362,"end_word":7380,"intents":[{"intent":"Confirm constitution","confidence_score":0.0035566462}]},{"text":"But I do have a beneficiary, and that's my son. He should be Yes. listed.","start_word":7400,"end_word":7414,"intents":[{"intent":"Provide name","confidence_score":0.0013266844},{"intent":"Confirm name","confidence_score":0.036617365},{"intent":"Identify beneficiary","confidence_score":0.00021521539}]},{"text":"I've got a 100% here through Finley, Yep. and he's nominated. It's a binding, non lapsing nomination, which is great.","start_word":7416,"end_word":7435,"intents":[{"intent":"Express gratitude","confidence_score":0.0306073}]},{"text":"Now Finley, he is your child. He's is he technically a financial dependent on you? Does he Yep.","start_word":7488,"end_word":7505,"intents":[{"intent":"Confirm son's name","confidence_score":0.0045576664},{"intent":"Clarify if son is a dependent","confidence_score":0.0011503412}]},{"text":"No. Absolutely not.","start_word":7508,"end_word":7510,"intents":[{"intent":"Confirm understanding","confidence_score":0.1259879},{"intent":"Confirm understanding","confidence_score":0.017501362}]},{"text":"Are you happy, Jeff, with the way he's receiving the benefit? Did you wanna sort of look at it as a more of a tax effective strategy, or are you happy just to have him noted and have that money paid to him in the event that something was to happen?","start_word":7601,"end_word":7651,"intents":[{"intent":"Confirm benefit recipient's role","confidence_score":4.285423e-7}]},{"text":"Are you happy, Jeff, with the way he's receiving the benefit? Did you wanna sort of look at it as a more of a tax effective strategy, or are you happy just to have him noted and have that money paid to him in the event that something was to happen? So is that my super did you say? We'll go to him or Yeah.","start_word":7601,"end_word":7665,"intents":[{"intent":"Confirm trust","confidence_score":0.0029186236}]},{"text":"They How have do you pay tax on something that's already taxed? Like you said yeah.","start_word":7671,"end_word":7686,"intents":[{"intent":"Explain tax deductions","confidence_score":0.019188369}]},{"text":"He makes a claim on the estate. We would help him with that, and then he gets that that all that money paid to him. Right. Yeah.","start_word":8340,"end_word":8366,"intents":[{"intent":"Discuss charitable arrangement","confidence_score":0.000119196855}]},{"text":"long If you wanted as to, we're it's fine he to leave the gets nomination as that it is.","start_word":8400,"end_word":8418,"intents":[{"intent":"Leave nomination","confidence_score":0.45921168}]},{"text":"So there's a lot to this estate planning side of things, and there's a lot to the legislation of it. They're It's gonna not get things you that all we the way, aren't they? absolutely.","start_word":8718,"end_word":8752,"intents":[{"intent":"Remind and plan for future","confidence_score":0.000007912929}]},{"text":"Like, even if it is directed to the estate, there are taxation consequences. It's just Yep.","start_word":8755,"end_word":8770,"intents":[{"intent":"Educate about tax consequences and maximize interest","confidence_score":4.4382278e-10}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Carly. This is Dana from Okey Financial. How are you this morning?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.17639625072479248},{"text":"Good. Thanks, Damon.","start_word":14,"end_word":16,"sentiment":"positive","sentiment_score":0.4310904443264008},{"text":"Sorry. I just missed your last call. Oh, no. That's okay. Not a problem at all. I couldn't tell whether it was ringing or not. I wasn't sure if someone had answered. I couldn't hear anything, so I thought I'll just call back. All good. Oh, good. I'm calling you. I had to book in to have a bit of a chat about contributions this morning. Yeah. Is That's now it. still a good time? Yes. I'm just trying to find a set of headphones so that I can hear you better because this phone volume's rubbish. That's okay. But You're that's not a okay. problem at all. Can't find You're anything. right. So we'll see how it goes. Yeah. You're right. Not a worry at all. And before we jump into the call, we do need to let you know we do record our calls for quality and training purposes. Are you happy for liberty with that? Not Fantastic. And I'll just do security as a well. We are discussing your personal information. So I just need to confirm your problem. full name, your date of birth, and address I should have on file. Harley Aileen Holmes. 25th Yep. of The 3rd 761 Slash 10 DeShield Street, Lilydale.","start_word":17,"end_word":225,"sentiment":"neutral","sentiment_score":0.019675379619002346},{"text":"Beautiful. Thank you so much for that.","start_word":226,"end_word":232,"sentiment":"positive","sentiment_score":0.5300106406211853},{"text":"So, Kylie, just to sort of recap back to our last conversation, you were looking at maybe look making additional contributions just so far. I can see your employer contributions are going in there. But is it something you're still wanting to look at doing, or what's your sort of thoughts at the moment? Yes. Yes. Still wanting to try and get into that a bit. Yeah. Yeah. That's okay. Not a problem at all. So we've got one of two ways that it can be done. So depending on your level of expenditure you have available to you, you can do it in way by way of salary sacrifice, which essentially means that you're doing this as a pretax deduction. So your employer is taking the money out of your income before they calculate your income tax, and it can Yep.","start_word":233,"end_word":374,"sentiment":"neutral","sentiment_score":0.12131557860214943},{"text":"give you the benefit of reducing your income tax payable, but it does also reduce back your take home pay as well.","start_word":375,"end_word":396,"sentiment":"positive","sentiment_score":0.5156629681587219},{"text":"The other option is if you're not really wanting to do it that way and you're wanting to have a bit more control, you can do it as what's called a deductible contribution where the money goes in from your after tax income. At the end of the financial year, we claim a notice intent which changes the contribution inside super, and the deductible contribution you've made in the super becomes a tax deduction for you at the end of the year on your tax return. Okay. Have you, yeah, have you had any kind of thought as to what's probably more easier and appropriate for you or how much you'd like to contribute? Or Well, I didn't realize the latter there. I did know about the, you know, the so it's I already do salary sacrificing, but I I didn't realize that that was the super was not included in the package sort of thing. You can do that on top. So I did just Yeah. find that out. But, Yep. yeah, okay. So can you just go through the the second one? So it's at the end of the financial year where it gets put in. Oh, sorry. No. Can you just explain that one to me again? Yeah. Sorry.","start_word":397,"end_word":608,"sentiment":"neutral","sentiment_score":0.12479593604803084},{"text":"Absolutely. So you can do it one of a couple of ways. You can make it as a regular contribution in.","start_word":609,"end_word":629,"sentiment":"positive","sentiment_score":0.35159221291542053},{"text":"So it's like an EFT or a BPAY transfer from your bank account into your super fund on a regular basis, or you can put the money away and do it as a one soft lump sum in transaction in at the end of the financial year.","start_word":630,"end_word":676,"sentiment":"neutral","sentiment_score":0.2654587924480438},{"text":"So it can work Okay. within your budget depending on what you're comfortable with.","start_word":677,"end_word":690,"sentiment":"positive","sentiment_score":0.3944781720638275},{"text":"Because that money is transferred in the super from your after tax pay, you've already paid income tax in that amount of money. So we have laws in Australia where you shouldn't be able to pay tax twice on a con on money at all. Yep. Yep. So when that money goes in, because it's gone, you've already paid income tax on that money. At the end of the year, we claim what's called a notice of intent. That notice of intent basically tells the Superfund that you have an intent to claim this as a tax deduction. They changed the contribution so it it matches your other employer contributions. It becomes concessional. Inside super, they take 15% tax out of that money. You've then paid tax on that money twice.","start_word":691,"end_word":821,"sentiment":"neutral","sentiment_score":0.14936762126802489},{"text":"So the amount you've paid in the super becomes a tax deduction for you off your personal tax return, which is really cool.","start_word":822,"end_word":844,"sentiment":"positive","sentiment_score":0.5979732871055603},{"text":"So if Okay.","start_word":845,"end_word":847,"sentiment":"neutral","sentiment_score":0.3102435767650604},{"text":"you put $10,000 in, in the supers, they will take 50% tax out of that $10,000, but then that $10,000 becomes a tax deductions a deductible amount on your personal tax return for you.","start_word":848,"end_word":881,"sentiment":"positive","sentiment_score":0.3518325090408325},{"text":"Okay. So do you get Yeah. that 15% or whatever back at that end of the financial year when Geologic The way tax return? yes. The way it works with the tax deduction, you can claim your marginal tax rate of the amount. So if you put $10,000 into super, the tax deduction is, say, if you're on a 30% tax bracket, 30% of the $10,000 is what you can claim. Okay. That's going Yeah. back. Alright. Yeah. So I guess either way, you're still sort of yeah. Either way, you're still sort of down It it it on it yeah. So these your like, weekly you'll be wage able to claim kind of thing. yeah. They claim that 30% of the $10,000, but you still benefit like that 10 if you've got $90,000 and you've made that deductible contribution of $10, you're still reducing your take your taxable income by $10. So the 10,000 is deducted away from your final taxable income, but Yep. the tax you can claim back is slightly less, essentially. It's a little bit weird the way the tax system works. Yep. But with deduct deductible contribution, if you put $10,000 into super and you claim it notice of intent, that $10,000 reduces your taxable income by $10,000. So Alrighty.","start_word":882,"end_word":1096,"sentiment":"neutral","sentiment_score":0.11739557236433028},{"text":"it Yep.","start_word":1097,"end_word":1098,"sentiment":"positive","sentiment_score":0.3543168306350708},{"text":"does have that benefit of reducing your taxable income. The main sort of difference is salary sacrifice kinda has the benefit where your employer takes that money out of your pay for you. So you don't have to think about making Do the anything. savings or the contribution.","start_word":1099,"end_word":1146,"sentiment":"neutral","sentiment_score":0.1514429864473641},{"text":"It's kind of set and forget. You don't have to worry about it. Yep.","start_word":1147,"end_word":1160,"sentiment":"positive","sentiment_score":0.4488202631473541},{"text":"Whereas making it as a deductible contribution, it's sort of more up to yourself to either set it up with your bank. So it happens regularly or to remember to do it. And often when times get hard, when expenses get larger, Yep. We don't certain do things it. correct, we tend to go, I'll I'll put it up and do extra next week, Yeah. and then Yep. we just don't do it. So Yep. there are benefits to both of those ways of doing it. Both of them help to reduce your overall taxable income. It's just in different ways and have different requirements around, you know, the benefits of them. So it all comes into what you're comfortable with, whether you're comfortable increasing that any further. I can see here with your sales back at the moment, you've about a 100 sorry. Is it a $100 a fortnight that's going in? For that would be my employer. Yeah. I think so. Yeah. I'd have to really look at it, to be honest. No. That's okay. I can see your employer contributions going in a regular basis. That's from Austin Health here, Yep. but I can't see any separate sorry. My hub twenty four just knocked me out there. I can see the contributions going in. I think they're lumping them together is the only thing which makes it a little bit hard when you look at the hub. Just have a look. But you mentioned you you were salary sacrificing at the moment. I had a note back here from 2024 when we sort of caught up that you were sales backing then. I think it was about a $100 a fortnight. Is that still fairly accurate? Or, As in putting my own contributions yeah. From your pay. Yeah. in? Or you're No. just not doing that at the moment? No. I have not ever contributed myself personally Okay. No. to That's my alright. super. Okay. So But I it's know just what? the that's okay. So it's just the employer contributions Correct. that are going in. That's what we can see. Yeah. Okay. Yep. No. That's alright.","start_word":1161,"end_word":1520,"sentiment":"neutral","sentiment_score":0.013495707832690742},{"text":"Oh, good.","start_word":1521,"end_word":1522,"sentiment":"positive","sentiment_score":0.4311802387237549},{"text":"Just want to make sure I clarified those sorts of things. So I'm looking back at the the last few notes that we had and just wanting to make sure I clarify and have the correct information for you.","start_word":1523,"end_word":1561,"sentiment":"neutral","sentiment_score":0.16359035670757294},{"text":"Beautiful. Cool. Cool. Excellent.","start_word":1562,"end_word":1565,"sentiment":"positive","sentiment_score":0.6545023918151855},{"text":"Is there an amount that you were sort of looking to maybe start contributing, or are you sort of wanting us to maybe provide personal advice and look at what amount is gonna provide benefit or Yeah. to try and get Possibly. you to your goals? Or what's your sort of thoughts? Yeah. Possibly. I guess, like, I can sort of figure out. I've I've actually got to sit down and do a budget this first half of the year or first quarter of the year just wipes me out completely with, you know, insurances and everything happens around January, February kind of thing, Yeah. Absolutely. bill wise. So I've gotta sit down and do that again. But, I mean, I'm not really my wage isn't going up any any at all, so this is Okay. what Yeah. I've got. I don't know. I like, I wanna make it worthwhile. I don't I get paid fortnightly. So I said, I don't know if you know, what would what would be make it I mean, anything that goes in, I guess, is is worth it. But, Yes. you know, fortnightly, I'm thinking a 100. Is that even worth it? A Yep. fortnight? Yep. That's okay. If you like, what I could do is I can go back and I can do some research there for you. I would like to maybe just go back and reassess your goals there and maybe update the advice for you, and we can incorporate the salary sacrifice into the the personal advice document. I can look at a $100 per fortnight for you, so 50 Yeah. on a weekly basis, Yep. and sort of show you the long term effect of doing that and the advantages, disadvantages, and risks involved. And then if you wanted to alter that, we can always come back and alter that. Does that sort of help you along Yeah. a little bit Yeah. to start with? Yeah. Yep.","start_word":1566,"end_word":1893,"sentiment":"neutral","sentiment_score":0.013030816857680316},{"text":"That Beautiful. would And be great.","start_word":1894,"end_word":1899,"sentiment":"positive","sentiment_score":0.6186380982398987},{"text":"Yep. Because, I mean, I don't know where that's super is right now. Everyone's looking at it with all this shit that's going on, and I'm like, I just don't don't look at it. What's the point? You know, yeah. it's going Absolutely. up. It's going down. Wait till you need Correct. it, kind of. There's nothing I can do about it. So Absolutely.","start_word":1900,"end_word":1963,"sentiment":"neutral","sentiment_score":-0.123294435441494},{"text":"And, look, honestly, starting that contribution now is a good thing because you're increasing the amount that your dollar cost averaging into the market.","start_word":1964,"end_word":1987,"sentiment":"positive","sentiment_score":0.5175650715827942},{"text":"And, look, I'll be honest, I cannot time the market in any way, shape, or form, and we do not know what's going to happen long term wise. But the investments you're in are there and designed to be able to withstand the ups and downs. So putting money into the market on a regular basis means that you're taking advantage of the ups and downs that we see. When the market is lower, yes, the value of the investments is lower, but then if you're putting more money into those downtimes, you're buying into those discounted investment prices. So you do benefit as the market comes back out and recovers. Yep. And then putting the same amount of money in when the market is higher, you buy less of those investments. You get less of an advantage there. So it does help you to even out your buying into the markets. You're buying in and taking advantage of whatever the market is providing. A lot of people do try to time the market, but most people who time the market miss the best days by either a few hours or a few days, and that Yep. can have quite a a big change on the amount they're able to gain.","start_word":1988,"end_word":2198,"sentiment":"neutral","sentiment_score":0.11633405834436417},{"text":"So by staying in the market, participating in the market, and just following through and continuing to invest, you tend to come out a lot better in the long term.","start_word":2199,"end_word":2228,"sentiment":"positive","sentiment_score":0.472747802734375},{"text":"So, Yep. yeah, so we can look at that for you. We can start with a $100 per fortnight. I can go back and just sort of reevaluate the portfolio for you and see if there's maybe any changes that we should make to the investments as well along the way. Does that sound okay? Yep.","start_word":2229,"end_word":2284,"sentiment":"neutral","sentiment_score":0.19970399141311648},{"text":"That'd be great. Beautiful.","start_word":2285,"end_word":2288,"sentiment":"positive","sentiment_score":0.6795404553413391},{"text":"One of the things we do wanna look at is just making sure you are invested in the correct portfolio there. I'm just having a quick look at your last fact find that we would have completed. Now do you know I know this is a tough one. Not everyone sort of thought about it, but, realistically, what age you're hoping to maybe stop work fully retire down the track? As early as possible. But what I would I just turned 50 and I'm thinking I as I said, I don't even know what I've got in there. So I'm thinking Yeah. maybe 65. I don't even know what our age is anymore. Yeah. They keep That's pulling okay. it up. It's just being my age these days, but you can retire Yeah. That's okay. and actually So at access the moment, your super. yes. At the moment, you can actually access super if you fully retire at the age of 60. Alternatively, if you continue working past that, they allow you access regardless of whether you're working or not at age 65. So this comes down Okay. to a bit of a preference for you. Right. If Yep. you do work past 60 to sort of that age 65 mark, in between 60 to 65, there's other great strategies that we can utilize to kind of provide a last minute boost to super as well. So Yep. but it just comes down to your preference. If you don't wanna work past 60, that's completely fine. As you said, you've just turned 50, so, you know, it's probably on your mind. Yes. Very much so. Being on holiday, and I'm like, yeah.","start_word":2289,"end_word":2570,"sentiment":"neutral","sentiment_score":0.053687769919633865},{"text":"I don't wanna do that work thing anymore.","start_word":2571,"end_word":2578,"sentiment":"negative","sentiment_score":-0.37922319769859314},{"text":"Like, I'm Makes sense. I'm done with the work thing five days Yeah. a week. Yep. But, yeah, if I've got ten years to really pump it in there, if I do wanna head off and still be able to do things that, you know, in ten years time, travel Yep. and that sort of thing. Absolutely. Absolutely. Well, to give you a bit of an idea as well, I'm looking at your last annual review. The balance when we did the last annual review there, your balance was $93,006.85. And looking at your balance as of today's date, you've got a 114,328.","start_word":2579,"end_word":2681,"sentiment":"neutral","sentiment_score":0.06045271083712578},{"text":"So your super has increased since the last annual review, which is great to see. Yep. Majority of your investments are performing really nicely even with the times that we are seeing at the moment.","start_word":2682,"end_word":2716,"sentiment":"positive","sentiment_score":0.4606218934059143},{"text":"I can just see your Australian equities portion here. You've got Bannalong. That investment has had a few ups and downs, and I do wanna maybe look at removing that out. It has been underperforming for the last few months. So I do wanna maybe wanna move Bannalong out of there and look at maybe a lower cost investment, something that's more passively a bit cheaper inside your fund and might help to provide greater benefit for you. Are you open to me altering that for you as well? Of course. Absolutely. Yep.","start_word":2717,"end_word":2809,"sentiment":"neutral","sentiment_score":0.06990636140108109},{"text":"Beautiful.","start_word":2810,"end_word":2810,"sentiment":"positive","sentiment_score":0.5928765535354614},{"text":"And then I can also incorporate that $100 per fortnight sales tax for you. Are you comfortable? Did you want me to make a salary sacrifice so your employer does that deposit for you, or are you wanting to maybe keep it behind and do it as a deductible? Or No.","start_word":2811,"end_word":2861,"sentiment":"neutral","sentiment_score":0.09468691051006316},{"text":"what's I'm not good with all that sort of stuff.","start_word":2862,"end_word":2871,"sentiment":"negative","sentiment_score":-0.3830246925354004},{"text":"no. So probably just the regular. And I probably would go, oh, shit. I've got, you know, rates are due, and so I'll hold Yep. the contribution off. So, yeah, we kinda get Yep.","start_word":2872,"end_word":2905,"sentiment":"neutral","sentiment_score":-0.1514996886253357},{"text":"Slack that way.","start_word":2906,"end_word":2908,"sentiment":"negative","sentiment_score":-0.36750978231430054},{"text":"So No. yeah. No. I That's really start fine. to need to, yeah, start getting serious about not working Yep. anywhere.","start_word":2909,"end_word":2929,"sentiment":"neutral","sentiment_score":-0.10108281672000884},{"text":"Perfect.","start_word":2930,"end_word":2930,"sentiment":"positive","sentiment_score":0.4497493803501129},{"text":"Not a problem at all. What I can do is I can do a $100 per fortnight for you, and then I could always look at maybe a 150 as an alternative and Yep. put that Yep. into the appendix for you so you can see maybe the difference between the two, and then you can kind of work out what's comfortable for your budget and your circumstances. Yep. Does that sound okay?","start_word":2931,"end_word":3003,"sentiment":"neutral","sentiment_score":0.14812740683555603},{"text":"That would be fantastic.","start_word":3004,"end_word":3007,"sentiment":"positive","sentiment_score":0.6786307692527771},{"text":"Yep. Yep.","start_word":3008,"end_word":3009,"sentiment":"neutral","sentiment_score":0.2191557139158249},{"text":"Beautiful. Excellent.","start_word":3010,"end_word":3011,"sentiment":"positive","sentiment_score":0.536853551864624},{"text":"With your income at the moment, the last updated detail I have here was that you were earning about 60,000 per annum. Have you had an increase on income at that at the moment? No. That's quite funny. The No. same? Nothing at all and doesn't look like seeing a public hospital, we're getting nothing. So no.","start_word":3012,"end_word":3068,"sentiment":"neutral","sentiment_score":-0.09629569947719574},{"text":"Oh, Let's that's work a with shame.","start_word":3069,"end_word":3075,"sentiment":"negative","sentiment_score":-0.4793454110622406},{"text":"that one. Yep. No. That's okay. And employer contributions, just double checking double checking what I've got here employment wise. So I've got they're coming from Austin Health. That's right. Yep. Beautiful. And it's a public hospital. Yep. Yeah. Lovely. What kind of hour shifts do you do? I know some hospitals do, like, twelve hour shifts and things like that. Do you just work eight hours, or do you Yeah. have longer No. I'm shifts? just, like Or no. I'm just eight and a half. I'm only in, you know, finance department, so not yeah. nursing or anything like that. But No. That's okay. yeah. You're still important. They couldn't run without you. That's for sure. Well, they wouldn't get doctors wouldn't get paid before I wasn't there. Correct. So, And they like, that would be a big problem.","start_word":3076,"end_word":3215,"sentiment":"neutral","sentiment_score":-0.04607681930065155},{"text":"that would be a huge problem, I would suggest.","start_word":3216,"end_word":3224,"sentiment":"negative","sentiment_score":-0.35552772879600525},{"text":"Yeah. No. That's absolutely fine. When we do the personal advice nowadays, we are sort of only focusing around the next ten years because a lot can happen in the next ten years. Yep.","start_word":3225,"end_word":3258,"sentiment":"neutral","sentiment_score":-0.030080905184149746},{"text":"Are you happy for me to work on, say, retiring at the age of 60 to sort of see where we might project you to be and what kinda outlook that might give you at that time Please just do.","start_word":3259,"end_word":3298,"sentiment":"positive","sentiment_score":0.3473273813724518},{"text":"to Yep. kind of give you the option of retiring at that point Mhmm. if you'd like to. Yep. Yep. Yep. Let's do it.","start_word":3299,"end_word":3322,"sentiment":"neutral","sentiment_score":0.13210244476795197},{"text":"Excellent.","start_word":3323,"end_word":3323,"sentiment":"positive","sentiment_score":0.6689735651016235},{"text":"And do you happen to know when you do retire, what kinda income you might be hoping to live off on a weekly basis? Are you wanting to kinda live on the same income you have now, or do you think it might be a little bit less, might be okay? Yeah. Good question. Yeah. I guess that depends on mortgage, where I'm Yep. at with that as well. I really don't know. No. Let's That's go okay. with what what maybe just a little bit less than what I've got. I don't know. I don't Yep. even know what I get. I think I get about 17 a fortnight to Okay. sort of play with. Take home. Yep. Yeah. Yeah. So $7,800 per fortnight take home pay, and Yep. we can work on that for you.","start_word":3324,"end_word":3460,"sentiment":"neutral","sentiment_score":0.006180352531373501},{"text":"Not Cool.","start_word":3461,"end_word":3462,"sentiment":"negative","sentiment_score":-0.3360561728477478},{"text":"a problem at all. Yep. The good thing is when you pull the money out of super retirement, it is tax free. So if you're comfortable on your take home pay as it is at the moment, we could always look to draw down the same amount for you. The difference Mhmm. is we won't have any tax on the money, so that'll be good. Alright. Yep. Yep. Yep.","start_word":3463,"end_word":3531,"sentiment":"neutral","sentiment_score":0.1699220836162567},{"text":"Excellent. Excellent.","start_word":3532,"end_word":3533,"sentiment":"positive","sentiment_score":0.4392379522323608},{"text":"Assets and liabilities, I had here your main primary residence. Now the last time we caught up, the asset value on the house was about 738,000. Do you think that might have increased a bit since we last caught up? Possible, but not a lot. It was only a year ago, wasn't it? Yeah. Yeah. Yeah. Basically. Yeah. No. I reckon it'll be stay stay about the same then. The same? Yep. That's Yeah. okay. Mortgage wise, we had you owing about 290,000. Has that kinda decreased a little bit since then? I know interest rates have been going up and down like crazy. It probably has come down. I'm not Yep. exactly sure, but if Yep. you give me a sec, I can probably Yeah. look at quickly.","start_word":3534,"end_word":3662,"sentiment":"neutral","sentiment_score":-0.024859229016096093},{"text":"Absolutely. I was one of the smart ones and have actually fixed my rate. Oh, So fantastic.","start_word":3663,"end_word":3679,"sentiment":"positive","sentiment_score":0.5040919184684753},{"text":"Yeah. yes. I think I've it's had gonna it on go up fifth again straight for soon. a while. I got it in just before the last rate rise, so it's very Oh, you good. I did don't win well. the Cad's Auto or lotteries or anything like that, but that was a good win for me, I thought. Absolutely. Mortgage. Where are we? Mortgage. Currently, we have 282,000 owing. Perfect. $2.82.","start_word":3680,"end_word":3751,"sentiment":"neutral","sentiment_score":0.16377292573451996},{"text":"Excellent. Lovely.","start_word":3752,"end_word":3753,"sentiment":"positive","sentiment_score":0.4924675822257995},{"text":"I have done here the other assets noted as your motor vehicle. You had a asset value of about 7,000. If you had to sell the motor vehicle, what sort of money would you want for that? What do you think you would ask for it? Yeah. I'd probably still be looking between 6 and seven. Perfect. And you don't have any loans in that vehicle at all? No. Nope. Beautiful. Any other assets or anything else of value that you might wanna note down? Not that I've run into. Nope. Nope. That's okay. Another thing I do like to consider is the contents. Do you have contents insurance at all? I do. Yes. Yep. How much do you think or do you have a a value of your contents, or how much do you think you might value it at? That my insurance just came through. I can't remember Yep. what I had. No. I did put it up Yep. last year. I'm really not sure. I can message that through. I just said they've only just recently I've just had to Yeah. renew it. So I can That's look through okay. the contract if you like, Yeah. but I I don't know. I couldn't say off the top of my head. No. That's okay. Do you what sort of estimate do you think? Do you think it'd be sort of north or south of a 100,000? Or Yeah. But I think it was about a 110. yeah.","start_word":3754,"end_word":4002,"sentiment":"neutral","sentiment_score":0.006520228931702763},{"text":"Perfect.","start_word":4003,"end_word":4003,"sentiment":"positive","sentiment_score":0.5583418011665344},{"text":"Current and, yeah, visualize Yep. the contract. So, yeah, about a That's 110. yep. That's okay. Part of what I do is the retirement aspect of advice is I limited scope it in at the moment to kinda show the projected outcome of where we're heading based on what we have, but I also do tend to factor in if you might be eligible for Fendalink from around eight to seven to help provide longevity to your super. Yep. So what and I do a generally a very conservative projection in retirement as well because you're not gonna be in a more of a high risk environment. You tend to be a lot more risk averse and looking at low risk investments in that time frame. So when I do assess Centrelink, I do what's called fire sale values. And because Centrelink want you to decrease the value of everything because Yep. if for them, if you had to sell things, you'd be selling them fast, like, on your front lawn as part of a garage sale. So I don't normally put Centrelink value for contents more than 10,000. So I'll keep it at the higher rate for our valuation here. For Centrelink of the year plan, I'll reduce it down to about $10 for you. Okay? Yep. Yep. It tends to also help you get a better Centrelink assessment, which is important. I need to go there with Centrelink. I don't know if you've ever had to deal with them, but I wouldn't even Uh-huh. bother. It is honestly one of the hardest things, but the Ridiculous.","start_word":4004,"end_word":4271,"sentiment":"neutral","sentiment_score":0.05217877030372619},{"text":"good thing about having me here is it's what I do almost every day. Okay.","start_word":4272,"end_word":4286,"sentiment":"positive","sentiment_score":0.5371382236480713},{"text":"So if you're unsure, have any questions, or when if you ever need to deal with them, let me know.","start_word":4287,"end_word":4306,"sentiment":"neutral","sentiment_score":0.2842957675457001},{"text":"I'm more than happy to help you. Cool.","start_word":4307,"end_word":4314,"sentiment":"positive","sentiment_score":0.6912381649017334},{"text":"And Okay. as part of the retirement aspect, we do look at age pension to give you longevity to supplement super and find other ways to do things like that. So I do do a lot of those calculations. So there'll be limited scope into the advice at the moment just sort of as a projected outcome. But as we get closer, we'll really start to assess what you might be eligible for and how it can help benefit you, and I'll make sure I help you apply for it when the time comes. Okay. Yep. Okay?","start_word":4315,"end_word":4411,"sentiment":"neutral","sentiment_score":0.10973602587107532},{"text":"Cool. Cool. Excellent.","start_word":4412,"end_word":4414,"sentiment":"positive","sentiment_score":0.4732210636138916},{"text":"The other thing is your motor vehicle. I do tend to do, like, fire sale values there. If you had to sell that quickly on your lawn, what's the most you'd probably want for that? Want and a bit get probably about 5,000. About 5,000.","start_word":4415,"end_word":4459,"sentiment":"neutral","sentiment_score":0.08573424816131592},{"text":"Beautiful. Excellent. Lovely.","start_word":4460,"end_word":4462,"sentiment":"positive","sentiment_score":0.5533966422080994},{"text":"There's no large sums of savings or anything that you've got sitting in the bank anywhere? Unfortunately, not. Nope. No. That's okay. That's okay. And last time we sort of caught up, you may have mentioned that you were able to save about a thousand dollars on a fortnightly basis from your income. Are you still putting money away regularly, or is that kind of just a bit with everything going up? Oh, that's it a lot. Yes. Yeah. Quite a lot. How much Yeah. do you how much do you estimate you might be able to save? At the minute, probably only about $7,700. Yep. Beautiful. And that's per fortnight because you get paid fortnightly, isn't Yeah. it? Yep. Beautiful.","start_word":4463,"end_word":4583,"sentiment":"neutral","sentiment_score":0.02655063569545746},{"text":"Thank you so much for that.","start_word":4584,"end_word":4589,"sentiment":"positive","sentiment_score":0.4863671660423279},{"text":"Having a look other sort of do you have any other goals that you're looking Correct. to achieve down the track or in the next one to two to five years? Anything else that Yes. you might be wanting to aim for? No. Not really all the same. Just get the mortgage down Yep. and try and say Yep. for the future. Yep. Yep. Perfect. Not a problem at all. And I've got down here marital status that you are single. Is that still correct? Absolutely. Yep. Lovely. And I've got in here financial dependence. You have one son at home. He was 18 at the time. Is he still a financial dependence still living at home? Or He's full time working, but he is still living at home. okay.","start_word":4590,"end_word":4719,"sentiment":"neutral","sentiment_score":0.055996445165230675},{"text":"Perfect. Lovely. Beautiful.","start_word":4720,"end_word":4722,"sentiment":"positive","sentiment_score":0.7052666544914246},{"text":"Another thing that sorta can factor in with the advice is your insurance aspect. So at the moment, you do have your life and TBD component here. I'm having trouble getting into MetLife to have a look at the actual policy you hold. But with your life and TBD, I'll send through a bit of an annual review pack in the next couple of hours as well just to kind of it'll probably actually come through tomorrow. Sorry. Because, you know, this is a bit slow today. But, Yep. essentially, with the annual review packet, we'll also have this updated certificate of currency with regard to your insurance levels there. Based on what I have at the moment, when we last were able to catch up, your life and TPD was a bit over $100,000 in value. Are you happy with the life and TPD components you have at the moment? Did you wanna look at altering those amounts? Or No. I think everything should be okay there. yep. Yep.","start_word":4723,"end_word":4892,"sentiment":"neutral","sentiment_score":-0.030447665601968765},{"text":"Beautiful.","start_word":4893,"end_word":4893,"sentiment":"positive","sentiment_score":0.5085331201553345},{"text":"The certificate of currency will have the updated valuations. Your insurance policies are indexed. They do increase every year as they go through renewal, so the amount you'll have will be higher than what we have here at the moment. It does also mean that the insurance the premiums will keep going up as well. However, it's just important we keep reviewing those down the track there. So happy with the life and TPD, keep them at the same levels at the moment there. With your income protection policy, and an income protection is generally the first thing we claim. One, it is the most expensive part of the policy given I'm just going on the value I have at the moment, and I'll double check the value that we have. But based on 60,000 because you can be covered for up to 70% of your income. So it'll be about 3,500. The income protection policy we have at the moment has a monthly benefit that you're insured for $3.04 $9. 09. Again, that is indexed, so it'll be a little bit higher than what it is at the moment.","start_word":4894,"end_word":5082,"sentiment":"neutral","sentiment_score":0.05216421133705547},{"text":"As long as you're over that or at or over that 3,500 mark, you're pretty well on par with what you can be covered for.","start_word":5083,"end_word":5107,"sentiment":"positive","sentiment_score":0.3718469738960266},{"text":"Yep. Are you fairly comfortable with that? Are you wanting to sort of look or reassess the income protection policy at all? Or No. That sounds like it should be yep.","start_word":5108,"end_word":5138,"sentiment":"neutral","sentiment_score":0.15960164368152618},{"text":"fine. Beautiful. As I said, I'll get the annual review pack done up, and I'll send it through to you. It will also have our ongoing service agreement, just making sure you're happy to stay on board for the next year and keep us as as your advisers.","start_word":5139,"end_word":5186,"sentiment":"positive","sentiment_score":0.5429726839065552},{"text":"Just so you're aware, you do pay an ongoing service fee of 1.65% per annum. It is calculated and deducted out of your super fund on a monthly basis in smaller increments. And the idea of a percentage based fee is that it fluctuates with the market. So when the market's doing really well, our fee is gonna be a little bit higher. However, when the fee takes sorry. When the market takes a bit of a dip, like what can be happening at the moment, essentially, our fee would take a bit of a dip there with it as well. But I'll make sure all of those in the annual review pack and send that through to you.","start_word":5187,"end_word":5305,"sentiment":"neutral","sentiment_score":0.0936550796031952},{"text":"Paying the ongoing service fee also means that there's no extra charges. So the advice that I'm gonna provide to you is completely complimentary under the fact that you're an ongoing client for us as well. So there's no fees for that new advice piece as well.","start_word":5306,"end_word":5352,"sentiment":"positive","sentiment_score":0.4653609693050385},{"text":"Okay? Yep. Can I just ask, is that Yeah. this service and of the, you know, when I pay you guys, is that tax deductible at all? It Like, is your not, accountant unfortunately. at the end of the year? Yeah. No? It's not. That's just because it comes out of your super. So your super Alright. son gets Yep. the advantages of doing that, but not in your own personal name. If you were to pay it out of your back pocket, we could look at, you know, how much Yep. that will be tax deductible, Yep. but it does mean you'd have to pay for that out of your back pocket. So it's generally easier to have it coming out of your super fund than out Yep. of your back pocket Yeah. with the No. way No. No. That's living fine. is going for all of us. Yeah. Yep. Yep.","start_word":5353,"end_word":5504,"sentiment":"neutral","sentiment_score":0.06780171306117584},{"text":"All good. That's okay.","start_word":5505,"end_word":5508,"sentiment":"positive","sentiment_score":0.45929402112960815},{"text":"There I have noted here, and just to double check that you don't have any trauma or any other insurances other than life keeping and income protection. Are you wanting to reevaluate any other levels of cover that might be paid out of your back pocket that might give you other cover, or you're just happy with the insurances as they are and not wanting to reassess them in in any way? Yeah. Yeah. Just keep it as it is.","start_word":5509,"end_word":5588,"sentiment":"neutral","sentiment_score":0.05925978347659111},{"text":"Thanks.","start_word":5589,"end_word":5589,"sentiment":"positive","sentiment_score":0.4606552720069885},{"text":"Keep it as is? A minute. Yep.","start_word":5590,"end_word":5596,"sentiment":"neutral","sentiment_score":0.19737480580806732},{"text":"Beautiful. That's okay.","start_word":5597,"end_word":5599,"sentiment":"positive","sentiment_score":0.3770656883716583},{"text":"Not a problem at all. I'll make sure that's sort of your currencies in the annual review pack so you can review the levels that you have there. I apologize MetLife isn't really working for me this morning. No. That's all good. Gotta love technology when it wants to do the work. Uh-huh. Yeah. But no.","start_word":5600,"end_word":5655,"sentiment":"neutral","sentiment_score":0.05778080224990845},{"text":"That's fantastic.","start_word":5656,"end_word":5657,"sentiment":"positive","sentiment_score":0.5242130756378174},{"text":"The only other thing I need to run through is just a bit of a risk profile questionnaire for you. Now at the moment, you are in a growth portfolio, and I've kind of gone through and answered a lot of these questions as we already have been talking, which is great. With the way you're invested at the moment, you're in a growth portfolio. So it generally sees about 80% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and then commodities like gold and silver are also considered as well. Having a look at this reviewing to make sure you are invested in line with that profile and that still suits you, we've noted down when you're hoping to retire, working on that kinda ten year time horizon at the moment. But have you ever owned investments in your own name in the past? Have you ever owned shares or anything outside of Superm? Very, very long time ago when I first started working, and I think I still Yeah. get about $35 a year from Telstra two shares that I don't Really? even know how to get rid of. Like, I just yeah. No idea. They're worth nothing, but they still chug Wow. away. I'm like, oh, is that $35? Lucky I got that this week. Wow. Well, do they give you a statement or anything? They do. Yes. They do. Yeah. Yeah. Don't If know when you it comes ever in, wanted but it's financial year. okay. If you wanted to maybe, at the point, email me that statement or let us know, we Yep. can always have a look and help you along with that. Realistically, when it comes to selling investments in your own name, there are capital gains consequences to factor in. But if you ever wanted to talk about what they are, maybe look at selling them, what the consequences would be, you're welcome to let me know. We can help you along Cool. with that as well. Okay?","start_word":5658,"end_word":6001,"sentiment":"neutral","sentiment_score":0.03780162514209054},{"text":"Cool. Beautiful.","start_word":6002,"end_word":6003,"sentiment":"positive","sentiment_score":0.504062294960022},{"text":"So when next time I send you a statement, just hold on for that one. Yes. Yes. I don't know. That's $35 a year. That really gets me gets me through the year. Had it been And maybe, I have what, to two split coffees? that with my ex partner or my husband. Oh, no. You've gotta share that one. Yeah. I know. Oh, It's wow. just I was like, what? You should be paying dollars. Wow. Yeah. Oh, that's that's funny. Not a not a worry at all.","start_word":6004,"end_word":6092,"sentiment":"neutral","sentiment_score":0.05667431652545929},{"text":"Perfect.","start_word":6093,"end_word":6093,"sentiment":"positive","sentiment_score":0.3971768021583557},{"text":"Well, you've owned shares before and you still have those somewhere in the ethers, so that's absolutely Yep. fine. With the the next question here is more about inflation. So we know that markets are going up and down at the moment. There's a lot of uncertainty out there and a lot of volatility. If you saw your super fall in the future over the next few months there and it was down by about 10 or 20 or 30%, how do you think you might be feeling? Are you feeling a bit concerned? You're not really worried, or you may be calling us? How you think you might be feeling? Like I said before, there's not a lot I can do about it. If it Yep. does look ridiculously crazy, I'd probably get concerned. But Yep. Yep. I do have ten years and hopefully Trump can't live forever. So I Yeah. think I'd be I'd be just hanging in there. Just just Yep. wait and ride it out, Yep. I guess.","start_word":6094,"end_word":6265,"sentiment":"neutral","sentiment_score":-0.07302894967413226},{"text":"Perfect.","start_word":6266,"end_word":6266,"sentiment":"positive","sentiment_score":0.4159787595272064},{"text":"When do you think about the level of risk that you're comfortable taking in order to get the best returns you can? Are you wanting to take on the highest amount of risk or a really high amount of risk to try and get the best returns you possibly can? Are you wanting to take on a medium or moderate amount of risk to still get the best returns you can obtain, or are you not wanting to take much risk in the market knowing the returns are lower generally? I said if it if it did take a really big drop, I'd probably go back go up to medium to moderate. But at Yep. the minute, I'm happy just staying where Where you are? where I Yep. Yep.","start_word":6267,"end_word":6395,"sentiment":"neutral","sentiment_score":-0.04610605165362358},{"text":"Beautiful.","start_word":6396,"end_word":6396,"sentiment":"positive","sentiment_score":0.426443487405777},{"text":"Not am a problem. And have you ever thought about taking out a loan in order to invest in shares or managed funds, or have you only ever wanted to borrow for, say, property? And have you ever thought about an investment property before? here. I have thought about investment property, but being a single Yeah.","start_word":6397,"end_word":6452,"sentiment":"neutral","sentiment_score":0.0026066203135997057},{"text":"income now, it's not viable for me.","start_word":6453,"end_word":6459,"sentiment":"negative","sentiment_score":-0.34666815400123596},{"text":"I mean, Yep. that sort of thing. So no. Yep.","start_word":6460,"end_word":6469,"sentiment":"neutral","sentiment_score":-0.16352683305740356},{"text":"It's always always been too much of a headache hassle and heartbreak, really, to be honest.","start_word":6470,"end_word":6485,"sentiment":"negative","sentiment_score":-0.34995511174201965},{"text":"So Yep. just yeah. Not really. I like to keep my money where it where it is in my back pocket or use it while Beautiful. I can. Yeah. Yeah.","start_word":6486,"end_word":6515,"sentiment":"neutral","sentiment_score":0.009847931563854218},{"text":"Beautiful. Excellent.","start_word":6516,"end_word":6517,"sentiment":"positive","sentiment_score":0.5402822494506836},{"text":"Well, that based into the risk profile. So having a look that you have scored in that growth environment there, now it does normally suit someone who has about six years before they're needing to or wanting to access their funds. So being that you've got ten years at the moment, you do have that time horizon to remain in that you do have that 80% in those higher risk investments of things like sorry. International shares, domestic shares, a bit of commodities like gold and silver often, and also a bit of property there, which is good. That's where you get a lot of the growth from, but it's also where we see the market fluctuations that can make us a little bit nervous. Yep. The other 20% is in lower risk investments, the things like cash, bonds, and fixed interest. They tend to get a lower rate of return, but they don't fluctuate and grow as much in those volatile times. So having a mix of those is sort of where you wanna be, and you do have the time horizon for that one. It was sort of aiming for an expected annual return compounding of about seven to 9% with this sort of a portfolio.","start_word":6518,"end_word":6725,"sentiment":"neutral","sentiment_score":0.05503366939508571},{"text":"Anything above that is great and you're, you know, overachieving for the year.","start_word":6726,"end_word":6738,"sentiment":"positive","sentiment_score":0.4046700596809387},{"text":"Anything under that is technically, you know, not quite meeting the expectation that we have, but we do understand markets do fluctuate. And we have years where you might get a 20% return, years where you might only get a 5% return. And we do expect with this sort of environment that the likelihood of a negative return could be about one in every five years. Do you Yep. feel like knowing that you're comfortable staying where you are at the moment? Yeah. Yep. Yep. Yep.","start_word":6739,"end_word":6824,"sentiment":"neutral","sentiment_score":-0.13030290603637695},{"text":"Beautiful. Excellent.","start_word":6825,"end_word":6826,"sentiment":"positive","sentiment_score":0.4915913939476013},{"text":"So I'll keep looking at the growth portfolio. I'll go back and just re have a look at the way your investments are structured, maybe look at if there's a way to alter a few things. I replace that Benelung Australian Equities and look at something that might be a little bit better for you. I'll look at something. So Benelung was more of an actively managed part of your portfolio. They're an active manager. Their job is to be trying to buy and sell and outperform against the indices or the market segment that they're trying to track. They haven't actually done that, and they've had a few underlying issues. So we do wanna remove that there. We are looking at putting you into something a bit more passively managed. So the idea of a passively managed portfolio was that attract the market, which when you think about active manager and trying to outperform the market to do so, you have to be trying to time the market, trying to buy and sell in at the right time, and there's a risk that active managers aren't gonna make that or and they definitely Yep. don't do that every year.","start_word":6827,"end_word":7026,"sentiment":"neutral","sentiment_score":0.013327470780350268},{"text":"So often having something a bit cheaper like a passively managed index fund can actually get you better returns because you're just participating in the market.","start_word":7027,"end_word":7052,"sentiment":"positive","sentiment_score":0.3713603615760803},{"text":"You're just sitting in through those downtimes, taking advantage, and putting money in, and not trying to time the market.","start_word":7053,"end_word":7072,"sentiment":"neutral","sentiment_score":0.32525864243507385},{"text":"And often, passive managers outperform greater than than active managers do. They actually provide greater returns over longer term.","start_word":7073,"end_word":7091,"sentiment":"positive","sentiment_score":0.5162496566772461},{"text":"So if you're happy with me looking at something like that, I'll go back and review the different investment options we have, and I can incorporate that salary sacrifice there for you. Does that make sense? Do you have any questions? You're welcome to ask me anything you like, Carly. No. That sounds all good. Yep.","start_word":7092,"end_word":7147,"sentiment":"neutral","sentiment_score":0.23093777894973755},{"text":"Beautiful. Excellent. I'll keep you that growth environment there.","start_word":7148,"end_word":7156,"sentiment":"positive","sentiment_score":0.5506512522697449},{"text":"I'll just note that we're looking at the super side of things. We're not looking at altering anything with regard to the insurances. Because they are paid out of your super, it will be scoped into the advisers on a limited basis just because your your cons premiums come out of super, so it does have a long term effect on your super. But I'll just have that scoped in as a bit of a limit to show you the outcome. I'll also factor in the retirement aspect just having a look at where we're heading over the next ten years and what that might look like for you. Okay? Yep.","start_word":7157,"end_word":7267,"sentiment":"neutral","sentiment_score":0.1089174896478653},{"text":"Sounds good.","start_word":7268,"end_word":7269,"sentiment":"positive","sentiment_score":0.3371051251888275},{"text":"The only other thing I'm just looking at here is just your sorry. The your beneficiary nominations here. Now having a look back, I can't see whether anyone's ever called up and asked you about if you've got a will or power of attorney set up. Have you ever drafted a will or power of attorney? I do have a will. It is out of date, so I that Yep. is something that's on my to do list. Yep. But I don't so I have power of oh, no. Actually, yes. That would still be incorporated, but as I said, that is out of date. I have That is date. divorced now, and that's the person that was still power of attorney, so I better do that. Okay. Yes. But I do have a beneficiary, and that's my son. He should be Yes. listed. Yes.","start_word":7270,"end_word":7414,"sentiment":"neutral","sentiment_score":-0.02496018193919083},{"text":"I've got a 100% here through Finley, Yep. and he's nominated. It's a binding, non lapsing nomination, which is great. Essentially, it means it is bound the trustee to follow the direction there, and non lapsing means that it you don't have to keep filling out this form every couple of years.","start_word":7415,"end_word":7466,"sentiment":"positive","sentiment_score":0.4449816346168518},{"text":"It only has to be updated or revoked if something changes for you, if you wish to change the nomination. Now Finley, he is your child. He's is he technically a financial dependent on you? Does he Yep. still No. No. Absolutely not. No. no. People, That's Tom, okay. That's okay. So with the difference in the beneficiary nominations, he's eligible to be a beneficiary, which is absolutely fine and can be nominated this way. It does mean, though, because he's not a tax dependent, if in the event that you would have passed away, and we hope this never happens, but if he was to receive the benefit, which he can, he would have to pay tax on the benefit received. It's up to 17%. They cover 15% plus the Medicare levy.","start_word":7467,"end_word":7599,"sentiment":"neutral","sentiment_score":0.09604951739311218},{"text":"Are you happy, Jeff, with the way he's receiving the benefit?","start_word":7600,"end_word":7610,"sentiment":"positive","sentiment_score":0.4098037779331207},{"text":"Did you wanna sort of look at it as a more of a tax effective strategy, or are you happy just to have him noted and have that money paid to him in the event that something was to happen? So is that my super did you say? We'll go to him or Yeah. what like, yes. Yeah. Yeah. They How have do you pay tax on something that's already taxed? Like you said yeah. before, we can't doubt It's they don't double tax, but we know that they do because, like, you have to pay death tax after all yeah. the They money do. that we've already paid. So, yeah, The let's look at that.","start_word":7611,"end_word":7726,"sentiment":"neutral","sentiment_score":0.07339165250545945},{"text":"I do not wanna give them any more than they have already taken.","start_word":7727,"end_word":7739,"sentiment":"negative","sentiment_score":-0.44070449471473694},{"text":"So if yeah. there is another They don't way that have. he can be benefit. Yeah. Absolutely. It's just because the money is paid in the super it is taxed inside super, and that's all fine. But when they've essentially, if you were to pass away, if the taxable component is paid to him as a nontax dependent, it it goes into his name, and then he is required to pay tax on the funds.","start_word":7740,"end_word":7814,"sentiment":"neutral","sentiment_score":0.09526333957910538},{"text":"And it generally is up to 70%, so it can reduce the amount that he receives.","start_word":7815,"end_word":7830,"sentiment":"positive","sentiment_score":0.3568929135799408},{"text":"It's actually a taxable component, which most of our super is taxable component because it's all from our employer and salary sacrifice and things like that. There is another way where if you had it directed through to your estate, that it gets lumped in with the rest of your assets. It just needs to then be noted in your will.","start_word":7831,"end_word":7891,"sentiment":"neutral","sentiment_score":0.16668729484081268},{"text":"It can help to depending on how your will is set up, it can then help to reduce the amount of tax you pay. It only really saves about 2%.","start_word":7892,"end_word":7921,"sentiment":"positive","sentiment_score":0.376418262720108},{"text":"The Medicare levy isn't generally paid on it, and there still is tax consequences within the estate process. But it's completely up to you. Having it the way it is now, there is that extra 2% tax that he may have to pay on the taxable component, which reduces the amount that he may be eligible to receive, but he can receive it faster through the beneficiary nomination you have. Otherwise, we can direct it through to your estate. You have it lumped in with everything else, and your estate transfers it to him. You can have it set up in a way of a trust so it pays out more tax effectively to him, or you can have it set as a regular income stream if you needed to. It's up to you on how you would prefer it to be structured. Okay. There's lots of things. Can we, Hey. yeah, can we revisit that one next next catch up? Because, Yeah. yeah, I'd Absolutely. like to look in that, and I said I haven't got my wheel. Well, actually, I would need to do that before before I actually make the all that kind of stuff. So I do have Yeah. a wheel that's in place, and I don't know, you know, if it'd be found or whatever. I do have it somewhere. But that Yeah. that this beneficiary thing, that would override whatever is currently set up for that wheel. Would that be correct? No. So they're two very separate things. So your Okay. beneficiary looks after your super and your life insurance if your beneficiary is set up that way the same way. They are not automatic estate assets. So estate assets are things like your house, your car, your savings account, everything outside of super. Super and life insurances are held completely separate, and that's why you have beneficiary nominations on those to direct either to your estate to be put in with everything else and then directed out as per your wishes, or the beneficiary nomination acts completely separate to your super and your life cover. So at the moment, the way it is sort of set up is your everything outside of super would be directed to your will, to Okay. your estate, and that is distributed as per your current will and testament. Your Right. super, with it being nominated to Finley and your life insurance, if that's nominated the same way, would then be paid to him. Okay. He makes a claim on the estate. We would help him with that, and then he gets that that all that money paid to him. Right. Yeah. That's They act okay.","start_word":7922,"end_word":8369,"sentiment":"neutral","sentiment_score":0.07204253535850771},{"text":"very That's good.","start_word":8370,"end_word":8372,"sentiment":"positive","sentiment_score":0.3684596717357635},{"text":"much Yep. completely separate. Yeah. Yep. Yep. No. That's good. I just yeah. Didn't That's okay? want anything being That's okay. overwritten there. If As absolutely. long If you wanted as to, we're it's fine he to leave the gets nomination as that it is. I mean, as part, I said, this is always and just placed I'll in there do in case something the happens rest. to you. Yep. We realistically hope that nothing happens, that you live your life, you you know, get 50.","start_word":8373,"end_word":8458,"sentiment":"neutral","sentiment_score":0.12678527628439804},{"text":"to retirement and can draw your own sleep out and enjoy it.","start_word":8459,"end_word":8470,"sentiment":"positive","sentiment_score":0.4328955411911011},{"text":"But it's always there just in the in the case that something you know, the one percent of something was happened that you passed away prematurely. Sure. So Yep. if you want, you're fine to leave the beneficiary nomination as it is.","start_word":8471,"end_word":8512,"sentiment":"neutral","sentiment_score":0.07601290196180344},{"text":"It is completely Yep. valid and does mean that Finley gets the benefit.","start_word":8513,"end_word":8525,"sentiment":"positive","sentiment_score":0.3949519991874695},{"text":"It's just because he's a nontax dependent. Unfortunately, it's a little bit tax that he would, you know, would Yep. have to Yep. be accounted for. But you're fine to leave it that way so then down the track, we can always Yeah. revisit that and sort Yep. of look at what you wanted to have happen down the track. Yeah? So yep. No. That's fine.","start_word":8526,"end_word":8591,"sentiment":"neutral","sentiment_score":0.010616393759846687},{"text":"Perfect.","start_word":8592,"end_word":8592,"sentiment":"positive","sentiment_score":0.4942794442176819},{"text":"There's also other strategies. So when you get to about the age of 60, there's also other strategies that we can put in place to increase the tax free component. That way, if you want that paid directly to him, we increase the tax free side of your super fund, which means he doesn't pay tax on the tax free component. It's only the taxable. So there are strategies down the track that we can put in place to limit the amount of tax that he would have to pay and to maximize your super benefit for him without having to change the beneficiary nomination. So there's always Yep. that option that we have down the track as well. Okay. Yep.","start_word":8593,"end_word":8713,"sentiment":"neutral","sentiment_score":0.2048400342464447},{"text":"Perfect. Yep. Perfect.","start_word":8714,"end_word":8716,"sentiment":"positive","sentiment_score":0.429581880569458},{"text":"So there's a lot to this estate planning side of things, and there's a lot to the legislation of it. They're It's gonna not get things you that all we the way, aren't they? absolutely. Absolutely. Like, even if it is directed to the estate, there are taxation consequences. It's just Yep.","start_word":8717,"end_word":8768,"sentiment":"neutral","sentiment_score":-0.0559918457069076},{"text":"that it's limiting it depending on how you have your will set up.","start_word":8769,"end_word":8781,"sentiment":"negative","sentiment_score":-0.36226749420166016},{"text":"Yep. So, you know, there's all they see us coming in every direction. Doesn't matter what we're doing, what happens to us, they see us coming. Yep. I don't know. I don't know. Let's not get started. It's only early in the day. I've got enough That's to be it.","start_word":8782,"end_word":8831,"sentiment":"neutral","sentiment_score":-0.15400299429893494},{"text":"angry about in my life to not worry about them for today.","start_word":8832,"end_word":8843,"sentiment":"negative","sentiment_score":-0.46556180715560913},{"text":"Absolutely. Well, I'll tell you what. What I'll do is I'll try and make things a bit better for you. I'll go back into the research around the the super the investments and the salary sacrifice component. We'll update a plan. It'll just take a couple of weeks to get sorted, and then I'll come back and we'll go through the advice documents together, and then you can let me know what you're comfortable taking on board. Does that sound alright? Yep.","start_word":8844,"end_word":8925,"sentiment":"neutral","sentiment_score":0.1787041872739792},{"text":"Beautiful. Lovely. Well, thank you so much for that.","start_word":8926,"end_word":8934,"sentiment":"positive","sentiment_score":0.5569929480552673},{"text":"As I mentioned, I'll get the annual review pack sent out to you probably tomorrow. It does have the ongoing service agreement for the next twelve months. It has the financial services guide in there, which has got a lovely photo of me and a bit of information on myself and my registration information as a licensed adviser for you. It's also going to have a probably a lost super search as well. We like to make the ATO do a bit of work, and we do get a lost super search every so often so we can send that to the ATO and make them go out there and see if there's any money in the ether anywhere that we can consolidate for you as well. Yes. It'll also have your certificate of currency with the updated insurance information. So have a bit of a look at that and let me know if there's any questions that you have in relation to it. Mhmm. And then we'll just have I think we'll also pop in there a tax file consent form. So we hold your tax phone number Yep. because we look after your super and your life cover. So we just have to make sure you're aware that we do hold your tax phone number there. Okay? But all those documents will be in there for you to review, have a look at, and then you can sign and return those back when you're ready. Okay?","start_word":8935,"end_word":9182,"sentiment":"neutral","sentiment_score":0.17826670480351295},{"text":"Perfect. Beautiful.","start_word":9183,"end_word":9184,"sentiment":"positive","sentiment_score":0.7455504536628723},{"text":"Do you have any questions? I know I've asked you everything under this one. Is there anything you wanted to ask me about myself, about the advice, about anything that we've gone through? No. It all sounds good to me for now.","start_word":9185,"end_word":9226,"sentiment":"neutral","sentiment_score":0.14301127195358276},{"text":"Thank you. Oh, beautiful. Not a problem at all, Carly. Thank you so much for your time this morning. I hope you have a lovely Easter. I'll get cracking on the research. We'll come back in a couple of weeks' time and go shoot that one. Okay. Brilliant. Thank you so much. Appreciate your time. My pleasure. Anytime. You have a lovely day. Thank You you. too. Thanks. See you later.","start_word":9227,"end_word":9297,"sentiment":"positive","sentiment_score":0.6247045397758484},{"text":"Bye.","start_word":9298,"end_word":9298,"sentiment":"neutral","sentiment_score":0.2702499032020569}],"average":{"sentiment":"neutral","sentiment_score":0.08640623707025383}}}}