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Thank you, and I hope you're having a great day. Hi, Judith. You there. So sorry. Can you that's okay. Yeah. I can now. Yeah. Perfect. It just beeps, and I left you a a message. So if you get a text or a missed call, it's just me. No. That's all good. Honestly, not an issue at all. I did have you booked in just to run through your annual review. There is now still a good time for you. The yeah? Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a really quick security check there with you just to confirm your full name, your date of birth, and address I should have on file. Yep. Yeah. That's that's okay. I will quickly just pop in there and grab that for you just to reconfirm it. Have a look. Yeah. So I still do have the 2916 Gold Coast Highway, but I'm pretty sure I've updated it the other week on Michael's files. So I'll just go back and grab that. Yeah. You're right. So it's so much free. Yep. Of Endelie Avenue Service. Paradise. Beautiful. I'll make sure it's updated on everywhere for you. Fantastic. That's okay. Not a problem at all. And yeah. Perfect. So how's your day been? You're still packing up and finishing up? Yeah. It's not. Yeah. Yeah. No. That's Absolutely. Absolutely. So when are you because you're 56 this year, aren't you? Yeah. Are you still wanting to sort of access super around about the age of 60, Mark, or when is it that you're actually wanting to sort of stop working and hopefully enjoy those time it is? Mhmm. Yep. Yep. Yes. Yep. Yeah. Yeah. Mhmm. Yep. Okay. Yeah. Oh, you're salary sacrificing? Yep. Yep. Yes. Yeah. Yeah. Yeah. No. That's okay. Are you wanting to look at increasing that down the track to kinda give it a last little bit of a boost towards social time that you used to see if we can get you retired earlier? Yeah. Yes. That's it. Yeah. Boost it back in. Yeah. Yeah. No. Absolutely. And I've nearly got that advice ready to go, which should be fantastic to get sorted for you guys. Beautiful. So we'll keep it at $60 at the moment, sort of see how everything goes with Michael, and then we'll kind of maybe once we go through his advice and I come back, we might maybe talk to the both of you. And I'll do, like, a joint advice document at the end of the year, maybe. I think we sort of talked about when he's gonna retires, maybe do a joint advice piece after that, and kind of look at how we boost things on those last couple of years a bit more for you both. Does that sound okay? Yep. Fantastic. I love that. So we'll say joint advice piece is both of you down the track. We'll get his retirement side of things sorted, and then we'll come back and I'll have a chat with both of you after we do that, and then we'll update the advice and kind of go forward with both of you as a joint piece. So you can sort of see where you're both tracking, where you're both heading moving forward, and what we need to do to kinda help you both along. Okay? Yep. Beautiful. Mhmm. Yep. Yeah. Yeah. I can absolutely do that for you. What I will do is I've had a bit of a look at I need to go back and do a couple of projections to kinda show you what that looks like. But I have, as part of this, had a bit of a look at your portfolio. So I have sort of noted and, look, your balance has been going really, really well. When we kind of look back at your annual review last year, your balance is about a 150,060. Your balance as of now is a 166,000 5 134. So it has definitely increased. We have seen a net return after fees of 6.09 percent, which is a good return for the kind of portfolio you're in at the moment. It is a little bit low for where we'd like it to be. So when you're in that growth portfolio side of things, we kind of wanna see you averaging around about a seven to 9% return, and that's kind of the range we're hoping for on a yearly basis and compounding forward. This year, with the ups and downs in the market and what's been going on, we have sort of seen a lot more ups and downs, and it has meant that the the returns are a little bit lower than expected. So I'm happy that you've still come up with a good return, but it is a bit lower than what we sort of like to see. I have also noted in your portfolio, you've got an investment that's underperforming. So I do wanna update the advice now and have that one completely removed there for you. That way, we can maybe update the portfolio, update your projections on what we're tracking for now, and then we'll come back after I've done Michael's next piece of advice after he's drawn out that money, and then we can kinda come back and do another joint advice piece for you guys early next year and keep tracking forward and update things. Does that sound okay for you? Yes? Yep. Beautiful. Excellent. Excellent. So your balance is going really well. I have sent you an email as well with your annual review docs. It does have the summary in there of your balances. The MLC master key there as well, the balance in there now is about 48,447, and last year was about $33,008.71. So, again, that's increased a little bit. I'll also update the advice to reflect just the retention strategy, roll some money out of MLC as well into Hub twenty four, which can also provide a greater boost for you as well. Yeah. Yeah. Yeah. Definitely wanna do that now. We normally like to only hold about 10,000 in there with your insurance as being about $2. So the insurance is at MLC at the moment. You're paying about $1,800 for those for this year. So I'll probably leave just a little bit more than 10,000 in there plus an additional 2 just to cover your insurance premium just because we are back to the market ups and downs as well. Yeah. Yeah. Yeah. So it's just you a little bit of cover there. With your life and TBD, you've got the 219,000 of both. Looking at your circumstances, and if we kind of looked at, you know, how that might track in the event of something happening to you I'm just closing one folder. Sorry. I have so many folders open. Shocking. There we go. Essentially, with your so you guys are renting where you're at at the moment, and I've got it down here. You don't have any real debt aside from the two credit cards that you've got there at the moment. So, realistically, that 219,000, if you were to say pass away today, you've got the 219,000 there of life insurance, plus we've also got the $166.05 34 of super in half twenty four and another $48,004.04 7 of Super Inside MLC as well. So it does give you a total life benefit of a bit over 433,000. Do you feel like that's fairly sufficient to have sort of paid out to Michael in the event of you passing and having to pay rent and continue his thing? Yeah. No. Yep. Yep. Yep. That would be okay. Beautiful. With TBD, total permanent disability cover, it does pay out the lump sum benefit or a compounded income stream as well in the event of you never being able to go back to work again. Having a look at the TBD side of things, and and I know we kinda went through and talked about last year, but TBD is a tax benefit. So if you were to become permanently incapacitated, you get access to the benefit of 219,000, plus your super is also released. We can also claim permanent incapacity against your super. So it does give you the same sort of benefit, the 433. But if you then took that money out as a lump sum, they do when you're under the age of 60, they do actually charge tax at up to 22%. It's It's horrible. I do not Yeah. That's absolutely No. Absolutely fine. So based on that, if I looked at the 22% tax based on the current sum insured, you'd end up with, as a lump sum, about 337,524. So just over 337,000 for TBD between everything. Do you feel like that's fairly sufficient at the moment? Or yep. Yep. Beautiful. No. That's okay. And and, look, income protection, as we kinda went through last year, you don't have any income protection. There's no other additional insurances like trauma and things like that. Lastly, you are happy not to have them knowing that more insurances need more money coming out of your super or out of your back pocket. And we are looking to provide advice to Michael to sort of help, you know, with him starting to access some of his super and then sort of build on that afterwards. Are you happy not having any additional insurance? Did you wanna sort of talk us them through a bit more? Or Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Absolutely. Absolutely. You're not limited to one call a year. If you need anything additional, if you have questions or you just wanna chew the fat with me, you just let me know. My team will book you in, and I'll happily, you know, make a time to talk you through, answer any questions, review, or research anything that you need at the time. Yeah. Beautiful. Excellent. Just going through the liabilities and assets. Now I've kind of updated everything as we sorta had here because I have sorta touched base with Mark previously there. Just double checking the Nissan Qashqai. Rough valuation about 15,000, do you think? Would you alter? Yep. That's all good. Credit cards, we had a total limit on those of about 2,000 joint. Is that right? Yep. Okay. Seven total. Sounds good. So one of them has a limit of 3,000 and the other one has 5,000. Is that right? Yep. Beautiful. Fantastic. I will just update that for you. Excellent. Rent, we have you still paying about 750 per week. Is that right? Yep. Fantastic. And content's a rough valuation about 20,000. Would you alter the content's valuation? Is that the same? Yep. Okay. Beautiful. Beautiful. And income wise, still earning about 80,000. Have you been lucky enough to get a pay increase? No. No. It doesn't do much, does it? 70 3. Yep. Yeah. Okay. Update that for you. Hopefully, you get a pay rise moving forward. You're definitely worth it. Yep. Yes. Abs absolutely. Yeah. Definitely. No. All good. And are you guys managing to sort of put much in the way of savings away on a regular basis, any dedicated savings, or not really? Yep. Yes. Yes. Yeah. Yep. Yep. Yep. That's perfect. Fantastic. I love that. That's fantastic. I've got my children doing something very, very similar. I've given them yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. Yeah. That's perfect. That's really good. I think with my daughters, because they're 19 and 20, they're sort of learning that aspect now. I've got, like, a little thing on the fridge. It's like an a four page, and it has a different dollar amount. So because they're casual, when they earn more, they can be putting more away and less on the weeks because they're earning a little bit less. And they're kind of one week, it might be $20, another week, $50. And they color in a little square each time they put some money in there. It kinda keeps them going, kinda building it because two of them. Exactly. And because there's two of them, they're kind of in competition with each other, which is kind of really cool. Yeah. I my they'll get past that. Yeah. No. I understand. My kids, that was the most boring person on the planet until they became 19 and 20 and got jobs and realized that money doesn't last when you're spending it on everything. Yep. Yep. That's exactly right. Yeah. No. That's all good. So what I'll do with the advice is I'll just go back, and I'll have a bit of a look at the super. I'll just evaluate all the investments in there, look at how they're performing for you. One of the big things with the investment structures is the Bannalong investment that you had in there was originally placed in there. The idea is it's more of an actively managed fund, so the investment manager is trying to outperform against the market. They are supposed to be buying and selling in a way that, you know, they pick the top and the bottom or as close to as they possibly can. To have these sorts of active managers in your portfolio, you do pay a bit more in investment fees. So one way we can lessen or help to boost this super is to sort of look at, you know, reducing investment fees where possible as well. Did you want me to look at maybe having more of a passively managed portfolio that is tracking the market might be more cost effective for you as well and maybe, you know, making sure we're maximizing diversification as much as possible to reduce risk. Did you want me to kind of look at things that way, or did you wanna see more of an active manager in your portfolio? What's your thought? Yeah. That's okay. Mhmm. Yeah. That's okay. Yes. Oh, yeah. Yeah. That's okay. No. Completely understandable. I think one of the last reviews I did earlier, I was talking to the client more about when you're in your fifties, you know, looking at trying to reduce risk as much as possible whilst keeping a bit of growth there. And, realistically, you can stay within that growth sort of environment because, I mean, having a look, you are we before did you want me to sort of look at age 65 as a base for time and for this advice piece, and then we can always build on that down the track later if you wanted to sort of continue working longer. Does that sound okay? Yep. Yep. Yep. Beautiful. So realistically using because you are 56 this year, it gives you about nine years until your retirement aspect there. So we are kind of reducing the years a little bit, which is good. The when you sort of think about risk in your portfolio, do you kind of feel like you're comfortable taking on a higher level of risk in order to get those greater returns knowing that in a down period or at times where you are feeling uncertain and the markets are, you know, going up and down quite drastically like this year, that you can see those dips and feel those dips. Or did you wanna take a bit more of a conservative approach that, you know, be a little bit more in the middle medium sort of range? How do you feel about the risk level? Yep. Is yeah. Do you feel like at at your age and your staging with what's happening in the market? Because you sort of are feeling a little bit unsure at the moment. You'd more wanna be in that middle sort of range taking on a moderate amount of risk, you know, out of if you think of risk out of a number between one and five, five being the highest level of risk and one being sort of the lowest where all the money is sitting in cash and you're not really getting any returns. So it's where do you think sort of see yourself? Would you be more of a one, two, three, four, five, four? Where do you think? Mhmm. That's okay. That's okay. That's okay. That's okay. It's good to have these conversations to talk it out because they're not easy questions to ask. To give you a really good kind of idea with your growth portfolio at the moment, you're at sort of sitting at a three. So you are in that medium range. And the way our portfolios are structured, we start with aggressive, which is all a 100% inequities. There's no defensive investments. Then we go high growth, then it's growth, which is you where you're sort of sitting at the moment. It's an eighty twenty split. 80% of those growth investments, they're the ones like international shares, Australian shares, listed property, and commodities like gold and silver. That's where you get a lot of growth from, but it's also the investments that you see go up and down. So when you're looking at the news and it's telling you that, you know, a million dollars is wiped off the market, it's because those sorts of investors have taken a bit of a dip in that one day, and that's where that sort of fear comes from. That kinda also has a 20% invested in defensive assets. So thinking things like cash, bonds, and fixed interest. They are seen as lower risk. They tend to get a lower rate of return over the longer term as well. But they're really good for having, you know, cash in they're good for lower risk and cash. I'm trying to think of a income payments coming out. Sorry. I'm having a major mental blank. Income payments coming out. So when you think about bonds and fixed interest in term deposits and things, those sorts of investments do pay regular intervals of income, and that gets reinvested back into your portfolio, and that helps with compounding effect as well. So having a mix of the two, the growth and defensive for the high risk and low risk investments is important. And even when you get into retirement, we still wanna have a mix of those. It's just what kind of a mix need it needs to be in your comfort level as well. So, I mean, the way you are at the moment, that growth environment still suits someone who has about six years before accessing their super. So you do fit within that within nine year time horizon. We're tracking around about a seven to 9% return on a yearly basis there. And when you think of the volatility, we look at it when we look at the ups and downs that can be expected as a portfolio, we can expect on that seven to 9% at a good year, an extra 11% return could occur, or in a bad year, from that 7%, it drops 11% more than that. So it kinda shows us the range that we're sort of expecting. And to sort of see the difference, an aggressive portfolio, you're sort of averaging about 11 to 13% return. But volatility wise, in a good year, on top of that 13%, you could also get an extra 18%. But then from the in a bad year, from the 11%, it could also drop by the 18% as well. So you can sort of see taking on more risk, you get greater returns, but the downside is also larger. And where you are at the moment is more in the middle. You're sort of sitting in that medium range, about a three out of five when you think about the risk scale. And it it certainly suits where you're at if you wanna stay there for a little bit longer. When you are about sort of five to six years out from accessing your your super, I would absolutely be telling you to pull back a little bit. Let's start reducing it fast, dropping things at a 10% rate each year, and then just sort of gradually decrease in the risk level. But if you're comfortable and wanna stay in that environment for one more year, you absolutely can. There's nothing wrong with it. It still suits your time horizon. It still suits your risk tolerance. Yeah. Yep. Yep. Oh, man. Yep. Yeah. Absolutely. Yeah. Yeah. Absolutely. And I can look at other ways to reduce the risk level. So, like, if I remove the Bannalong from your portfolio, I can look at an investment that has more investments in it. So to give you a bit of an example, that Bannalong Australian Equities investment, they generally hold about 15 to 25 different investments depending on what they're invested in within their in that that investment class. I could look at removing that, put you in something a bit more passive, which is, you know, reducing risk as it is because it's just tracking a certain indices of the market. But I could look at an investment to replace that. That gives you more access to investments. So instead of tracking, you know, 15 or 25 different investments, we might put you in something that has 200. So your money is spread over more investments, which gives you more diversification, which can help to lower the risk level of your portfolio as well. So even though you're in that growth environment, we can look to mitigate as much risk as possible in other ways. Does that make sense? Yeah. Do you have questions? Because I know it's a lot, and I'm so sorry. But do you have any questions that come out of that? Yeah. Yeah. Absolutely. Yeah. Definitely. No. That's absolutely fine. So what we'll do, if you like, is I can look at the growth portfolio. I'll look at adjusting your super, look at, you know, making sure MLC is working properly. We'll move some money into hub as well and do a rollover. We'll retain your insurances as they are, and then we can also make sure that in the next six months, so that'd be around about December, we then check-in. I do a bit of a catch up with you just before the Christmas break because that's when all of Michael's stuff will also be happening. So we'll have a checkup before the Christmas break, and then we'll come back early next year, and we'll do an advice piece for both of you and reassess everything. Does that sound okay? Yep. Yep. Yep. Yeah. Absolutely. Beautiful. Oh, absolutely. So the way it used to be was you'd be putting, you know, your employer's putting in a a larger chunk of money sort of once every month or every three months depending on how they did it. But now with the payday deposits for your contributions, you'll have smaller amounts of money going in more regularly. So that way, you're really dollar cost averaging, which means smaller amounts of money gets distributed across your portfolio. So you really get to take advantage of the downtimes and the uptimes as well, and that can have a much greater effect for your super. Absolutely. Yeah. Fantastic. Excellent. Well, I've got a really good idea of what I wanna do. I've got some really good investments to look at replacing that for you with. I'll just go back and do a little bit of research there. My team will give you a call in a couple of weeks just to rebook you back in, and we'll go through the advice piece together. We can do it over the phone in person. Whatever you're comfortable with, I'll make it work, And we'll then we'll come back in six months and do another review with you, and then we'll do another advice piece early next year for the two of you and kind of look at where we're tracking down even further. Okay? Yep. Yeah. Yes. Yes. Yeah. So my team has just finished all the research for that one. I'll get them to give him a call in the next couple of days, and they'll book him in to go through the advice piece with me. Absolutely. Yeah. Yep. Beautiful. Excellent. Moving forward over the next, you know, couple of years, do you have any other goals that you're sort of looking to achieve? It can be anything. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. That's okay. What sort of amount would you be comfortable with do you think to buy a property if that sort of opportunity came up? Do you have sort of a a a top and bottom amount you'd be comfortable with? Maximum minimum purchasing? Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. No. That's absolutely fine. Yep. Yeah. No. That's perfect. I love that. That is absolutely beautiful. And do you sort of know and then, look, this could change nine years. There's a lot of differences there. But living expenses wise, do you sorta know what the two of you are going to need to live on on a weekly basis in retirement to be able to survive? Yeah. Right. Yep. Yep. Yep. Yep. No. That's okay. That's not a problem at all. And when you do get to retirement, when we kinda go through these sorts of questions and look at, you know, your retirement income, it's always just a kind of a gauge at this point. When you actually get to the point where nine years where you go, hey. I'm ready to retire, then we'll really look at what you need to live on, maybe do a budget planner with you as well and kinda determine what you need expenditure wise and how long that's gonna last because that's when we can really get into the drawdown side of things for you guys. Yeah. Yeah. Absolutely. Yep. Yep. Yeah. Absolutely. No. Perfect. Excellent. All good. Well, that's basically everything I needed to sort of go through at the moment. Oh, sorry. The only other thing is just noting down here, you guys don't have a will and power of attorney set up as of yet. Yep. Yep. Fantastic. Fantastic. And beneficiary nominations. Sorry. You're right, dude. We do. There is a local solicitor that I can email you through the details for if you like. They're a local Gold Coast solicitor. We'll send you through the details of them and a costing of how much they charge to do up a will. And then if you want us to refer you through, we absolutely can. Otherwise, you can just contact them directly and say, hey. We wanna organize our will. So if you like that, I'll put that email up for you shortly. Easy. Yep. That's okay. And beneficiary wise on your life insurance as well as your super, I'm just double checking the two. So I've got here on your hub 24 super, you wanted it's a binding lapsing nomination, so that means it does need to be updated every three years, and the next time is in 2027. But you had 25% to Demi, 25% to Lachlan, so 50% to your children, 25% each, and then the other 50% to Michael. Is that right? Yep. Yeah. I think one of the big things to sort of point out with the are they over 18? Are they technically financial dependent? They are? Yeah. Yep. No. That's okay. Yeah. That's okay. Yeah. Absolutely fine. Happy to keep it as is for you for now, and we'll just adjust that as we need to. We we can always have that sort of in-depth conversation when we come back next year and reassess everything together jointly and talk about what that looks like for you both. With the MLC, we've got the same thing there. So Demi, Laughlin, and Michael, you're happy with those percentages for the MLC policy as well? Yep. Beautiful. Excellent. In the DocuSign, you'll have your ongoing service agreement there as well. So you both do pay us an ongoing service fee. It's 1.10% because we both so we have you both on board looking after both of you. And I do sort of like this agent stage because once having both of you here as clients means we can do that joint advice. One of the biggest things as we get closer to actually accessing super looking at, you know, in that nine year period and when we get to looking at Centrelink eligibility and things like that, taking all of your circumstances and both your super balances does work. So it's really great to be able to do that advice piece together and really sort of note out what's happening as a family for you guys. So I get a bit excited about that. Sorry. Yeah. Let's have a look at that DocuSign. If you find there's any questions, please let me know. Yeah. Easy. Oh, congratulations. Yeah. Depending depending on what you wanted to do. So you can just start off with a bank account in your name. If you put it in the child's name directly, it does mean they have to get a tax file number. So bank accounts do work if you've only got a small amount of money. Alternatively, if you guys wanted to invest something and have it working a lot more, we do have access to child builder bonds, and they're essentially an insurance product. So it's an an investment bond. You start off with as little as a thousand dollars. And as long as you're putting regular amounts in sort of every month or every year, that money is held in trust in the bond for the child. And then when they meet a certain age, they can essentially as long as that bond's been held for ten years, they can actually receive that income completely tax free when that just get handed over to them. It essentially goes into your name in trust four, but the child is the beneficiary of that bond. And, normally, you can hold it up to the age of 25, and then it gets vested or transferred to the child. The benefit of these sorts of things is most investments, if you are putting money into them, you have to account for as part of your personal tax return. But these investment bonds with the structure they are, you don't. Any income or any capital gains within the bond is all looked after in the actual bond itself. There's no, yeah, no consequences for your personal tax side of things. And the same thing, if it's if it's held for ten years and then vested to the child or transferred to the child, they can then be drawing income as a lump sum or regular income payments however they want, And it's all tax free for them, which is fantastic. It's a great little nest egg or a great little way of building, you know, future money for our grandchildren. Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. Absolutely. Yeah. No. Perfect. Not a problem at all. I love doing things like that. I'll make that as a medium term goal for you. And, yeah, have a chat to Michael about those options. And when we meet in January and do the big joint advice case, then we'll kind of consider all those other options for you as well. I love it. Fantastic. All good. Well, thank you. My pleasure. You have a lovely night, Judith. Thank you so much for your time. Easy. Thanks so much. Will do. See you later. 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Judith. It's Dana from Oakey Financial. I had you booked in this afternoon to go through your annual review. If you can please call me back on 130160796. Thank you, and I hope you're having a great day.\n\nHi, Judith. You there. So sorry. Can you that's okay. Yeah.\n\nI can now. Yeah. Perfect. It just beeps, and I left you a a message. So if you get a text or a missed call, it's just me.\n\nNo. That's all good. Honestly, not an issue at all. I did have you booked in just to run through your annual review. There is now still a good time for you.\n\nThe yeah? Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just to do a really quick security check there with you just to confirm your full name, your date of birth, and address I should have on file. Yep. Yeah. That's that's okay. I will quickly just pop in there and grab that for you just to reconfirm it.\n\nHave a look. Yeah. So I still do have the 2916 Gold Coast Highway, but I'm pretty sure I've updated it the other week on Michael's files. So I'll just go back and grab that. Yeah.\n\nYou're right. So it's so much free. Yep. Of Endelie Avenue Service. Paradise.\n\nBeautiful. I'll make sure it's updated on everywhere for you. Fantastic. That's okay. Not a problem at all.\n\nAnd yeah. Perfect. So how's your day been? You're still packing up and finishing up? Yeah.\n\nIt's not. Yeah. Yeah. No. That's Absolutely.\n\nAbsolutely. So when are you because you're 56 this year, aren't you? Yeah. Are you still wanting to sort of access super around about the age of 60, Mark, or when is it that you're actually wanting to sort of stop working and hopefully enjoy those time it is? Mhmm.\n\nYep. Yep. Yes. Yep. Yeah.\n\nYeah. Mhmm. Yep. Okay. Yeah.\n\nOh, you're salary sacrificing? Yep. Yep. Yes. Yeah.\n\nYeah. Yeah. No. That's okay. Are you wanting to look at increasing that down the track to kinda give it a last little bit of a boost towards social time that you used to see if we can get you retired earlier?\n\nYeah. Yes. That's it. Yeah. Boost it back in.\n\nYeah. Yeah. No. Absolutely. And I've nearly got that advice ready to go, which should be fantastic to get sorted for you guys.\n\nBeautiful. So we'll keep it at $60 at the moment, sort of see how everything goes with Michael, and then we'll kind of maybe once we go through his advice and I come back, we might maybe talk to the both of you. And I'll do, like, a joint advice document at the end of the year, maybe. I think we sort of talked about when he's gonna retires, maybe do a joint advice piece after that, and kind of look at how we boost things on those last couple of years a bit more for you both. Does that sound okay?\n\nYep. Fantastic. I love that. So we'll say joint advice piece is both of you down the track. We'll get his retirement side of things sorted, and then we'll come back and I'll have a chat with both of you after we do that, and then we'll update the advice and kind of go forward with both of you as a joint piece.\n\nSo you can sort of see where you're both tracking, where you're both heading moving forward, and what we need to do to kinda help you both along. Okay? Yep. Beautiful. Mhmm.\n\nYep. Yeah. Yeah. I can absolutely do that for you. What I will do is I've had a bit of a look at I need to go back and do a couple of projections to kinda show you what that looks like.\n\nBut I have, as part of this, had a bit of a look at your portfolio. So I have sort of noted and, look, your balance has been going really, really well. When we kind of look back at your annual review last year, your balance is about a 150,060. Your balance as of now is a 166,000 5 134. So it has definitely increased.\n\nWe have seen a net return after fees of 6.09 percent, which is a good return for the kind of portfolio you're in at the moment. It is a little bit low for where we'd like it to be. So when you're in that growth portfolio side of things, we kind of wanna see you averaging around about a seven to 9% return, and that's kind of the range we're hoping for on a yearly basis and compounding forward. This year, with the ups and downs in the market and what's been going on, we have sort of seen a lot more ups and downs, and it has meant that the the returns are a little bit lower than expected. So I'm happy that you've still come up with a good return, but it is a bit lower than what we sort of like to see.\n\nI have also noted in your portfolio, you've got an investment that's underperforming. So I do wanna update the advice now and have that one completely removed there for you. That way, we can maybe update the portfolio, update your projections on what we're tracking for now, and then we'll come back after I've done Michael's next piece of advice after he's drawn out that money, and then we can kinda come back and do another joint advice piece for you guys early next year and keep tracking forward and update things. Does that sound okay for you? Yes?\n\nYep. Beautiful. Excellent. Excellent. So your balance is going really well.\n\nI have sent you an email as well with your annual review docs. It does have the summary in there of your balances. The MLC master key there as well, the balance in there now is about 48,447, and last year was about $33,008.71. So, again, that's increased a little bit. I'll also update the advice to reflect just the retention strategy, roll some money out of MLC as well into Hub twenty four, which can also provide a greater boost for you as well.\n\nYeah. Yeah. Yeah. Definitely wanna do that now. We normally like to only hold about 10,000 in there with your insurance as being about $2.\n\nSo the insurance is at MLC at the moment. You're paying about $1,800 for those for this year. So I'll probably leave just a little bit more than 10,000 in there plus an additional 2 just to cover your insurance premium just because we are back to the market ups and downs as well. Yeah. Yeah.\n\nYeah. So it's just you a little bit of cover there. With your life and TBD, you've got the 219,000 of both. Looking at your circumstances, and if we kind of looked at, you know, how that might track in the event of something happening to you I'm just closing one folder. Sorry.\n\nI have so many folders open. Shocking. There we go. Essentially, with your so you guys are renting where you're at at the moment, and I've got it down here. You don't have any real debt aside from the two credit cards that you've got there at the moment.\n\nSo, realistically, that 219,000, if you were to say pass away today, you've got the 219,000 there of life insurance, plus we've also got the $166.05 34 of super in half twenty four and another $48,004.04 7 of Super Inside MLC as well. So it does give you a total life benefit of a bit over 433,000. Do you feel like that's fairly sufficient to have sort of paid out to Michael in the event of you passing and having to pay rent and continue his thing? Yeah. No.\n\nYep. Yep. Yep. That would be okay. Beautiful.\n\nWith TBD, total permanent disability cover, it does pay out the lump sum benefit or a compounded income stream as well in the event of you never being able to go back to work again. Having a look at the TBD side of things, and and I know we kinda went through and talked about last year, but TBD is a tax benefit. So if you were to become permanently incapacitated, you get access to the benefit of 219,000, plus your super is also released. We can also claim permanent incapacity against your super. So it does give you the same sort of benefit, the 433.\n\nBut if you then took that money out as a lump sum, they do when you're under the age of 60, they do actually charge tax at up to 22%. It's It's horrible. I do not Yeah. That's absolutely No. Absolutely fine.\n\nSo based on that, if I looked at the 22% tax based on the current sum insured, you'd end up with, as a lump sum, about 337,524. So just over 337,000 for TBD between everything. Do you feel like that's fairly sufficient at the moment? Or yep. Yep.\n\nBeautiful. No. That's okay. And and, look, income protection, as we kinda went through last year, you don't have any income protection. There's no other additional insurances like trauma and things like that.\n\nLastly, you are happy not to have them knowing that more insurances need more money coming out of your super or out of your back pocket. And we are looking to provide advice to Michael to sort of help, you know, with him starting to access some of his super and then sort of build on that afterwards. Are you happy not having any additional insurance? Did you wanna sort of talk us them through a bit more? Or Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Absolutely. Absolutely. You're not limited to one call a year. If you need anything additional, if you have questions or you just wanna chew the fat with me, you just let me know.\n\nMy team will book you in, and I'll happily, you know, make a time to talk you through, answer any questions, review, or research anything that you need at the time. Yeah. Beautiful. Excellent. Just going through the liabilities and assets.\n\nNow I've kind of updated everything as we sorta had here because I have sorta touched base with Mark previously there. Just double checking the Nissan Qashqai. Rough valuation about 15,000, do you think? Would you alter? Yep.\n\nThat's all good. Credit cards, we had a total limit on those of about 2,000 joint. Is that right? Yep. Okay.\n\nSeven total. Sounds good. So one of them has a limit of 3,000 and the other one has 5,000. Is that right? Yep.\n\nBeautiful. Fantastic. I will just update that for you. Excellent. Rent, we have you still paying about 750 per week.\n\nIs that right? Yep. Fantastic. And content's a rough valuation about 20,000. Would you alter the content's valuation?\n\nIs that the same? Yep. Okay. Beautiful. Beautiful.\n\nAnd income wise, still earning about 80,000. Have you been lucky enough to get a pay increase? No. No. It doesn't do much, does it?\n\n70 3. Yep. Yeah. Okay. Update that for you.\n\nHopefully, you get a pay rise moving forward. You're definitely worth it. Yep. Yes. Abs absolutely.\n\nYeah. Definitely. No. All good. And are you guys managing to sort of put much in the way of savings away on a regular basis, any dedicated savings, or not really?\n\nYep. Yes. Yes. Yeah. Yep.\n\nYep. Yep. That's perfect. Fantastic. I love that.\n\nThat's fantastic. I've got my children doing something very, very similar. I've given them yeah. Yeah. Yeah.\n\nYeah. Absolutely. Yeah. Yeah. That's perfect.\n\nThat's really good. I think with my daughters, because they're 19 and 20, they're sort of learning that aspect now. I've got, like, a little thing on the fridge. It's like an a four page, and it has a different dollar amount. So because they're casual, when they earn more, they can be putting more away and less on the weeks because they're earning a little bit less.\n\nAnd they're kind of one week, it might be $20, another week, $50. And they color in a little square each time they put some money in there. It kinda keeps them going, kinda building it because two of them. Exactly. And because there's two of them, they're kind of in competition with each other, which is kind of really cool.\n\nYeah. I my they'll get past that. Yeah. No. I understand.\n\nMy kids, that was the most boring person on the planet until they became 19 and 20 and got jobs and realized that money doesn't last when you're spending it on everything. Yep. Yep. That's exactly right. Yeah.\n\nNo. That's all good. So what I'll do with the advice is I'll just go back, and I'll have a bit of a look at the super. I'll just evaluate all the investments in there, look at how they're performing for you. One of the big things with the investment structures is the Bannalong investment that you had in there was originally placed in there.\n\nThe idea is it's more of an actively managed fund, so the investment manager is trying to outperform against the market. They are supposed to be buying and selling in a way that, you know, they pick the top and the bottom or as close to as they possibly can. To have these sorts of active managers in your portfolio, you do pay a bit more in investment fees. So one way we can lessen or help to boost this super is to sort of look at, you know, reducing investment fees where possible as well. Did you want me to look at maybe having more of a passively managed portfolio that is tracking the market might be more cost effective for you as well and maybe, you know, making sure we're maximizing diversification as much as possible to reduce risk.\n\nDid you want me to kind of look at things that way, or did you wanna see more of an active manager in your portfolio? What's your thought? Yeah. That's okay. Mhmm.\n\nYeah. That's okay. Yes. Oh, yeah. Yeah.\n\nThat's okay. No. Completely understandable. I think one of the last reviews I did earlier, I was talking to the client more about when you're in your fifties, you know, looking at trying to reduce risk as much as possible whilst keeping a bit of growth there. And, realistically, you can stay within that growth sort of environment because, I mean, having a look, you are we before did you want me to sort of look at age 65 as a base for time and for this advice piece, and then we can always build on that down the track later if you wanted to sort of continue working longer.\n\nDoes that sound okay? Yep. Yep. Yep. Beautiful.\n\nSo realistically using because you are 56 this year, it gives you about nine years until your retirement aspect there. So we are kind of reducing the years a little bit, which is good. The when you sort of think about risk in your portfolio, do you kind of feel like you're comfortable taking on a higher level of risk in order to get those greater returns knowing that in a down period or at times where you are feeling uncertain and the markets are, you know, going up and down quite drastically like this year, that you can see those dips and feel those dips. Or did you wanna take a bit more of a conservative approach that, you know, be a little bit more in the middle medium sort of range? How do you feel about the risk level?\n\nYep. Is yeah. Do you feel like at at your age and your staging with what's happening in the market? Because you sort of are feeling a little bit unsure at the moment. You'd more wanna be in that middle sort of range taking on a moderate amount of risk, you know, out of if you think of risk out of a number between one and five, five being the highest level of risk and one being sort of the lowest where all the money is sitting in cash and you're not really getting any returns.\n\nSo it's where do you think sort of see yourself? Would you be more of a one, two, three, four, five, four? Where do you think? Mhmm. That's okay.\n\nThat's okay. That's okay. That's okay. It's good to have these conversations to talk it out because they're not easy questions to ask. To give you a really good kind of idea with your growth portfolio at the moment, you're at sort of sitting at a three.\n\nSo you are in that medium range. And the way our portfolios are structured, we start with aggressive, which is all a 100% inequities. There's no defensive investments. Then we go high growth, then it's growth, which is you where you're sort of sitting at the moment. It's an eighty twenty split.\n\n80% of those growth investments, they're the ones like international shares, Australian shares, listed property, and commodities like gold and silver. That's where you get a lot of growth from, but it's also the investments that you see go up and down. So when you're looking at the news and it's telling you that, you know, a million dollars is wiped off the market, it's because those sorts of investors have taken a bit of a dip in that one day, and that's where that sort of fear comes from. That kinda also has a 20% invested in defensive assets. So thinking things like cash, bonds, and fixed interest.\n\nThey are seen as lower risk. They tend to get a lower rate of return over the longer term as well. But they're really good for having, you know, cash in they're good for lower risk and cash. I'm trying to think of a income payments coming out. Sorry.\n\nI'm having a major mental blank. Income payments coming out. So when you think about bonds and fixed interest in term deposits and things, those sorts of investments do pay regular intervals of income, and that gets reinvested back into your portfolio, and that helps with compounding effect as well. So having a mix of the two, the growth and defensive for the high risk and low risk investments is important. And even when you get into retirement, we still wanna have a mix of those.\n\nIt's just what kind of a mix need it needs to be in your comfort level as well. So, I mean, the way you are at the moment, that growth environment still suits someone who has about six years before accessing their super. So you do fit within that within nine year time horizon. We're tracking around about a seven to 9% return on a yearly basis there. And when you think of the volatility, we look at it when we look at the ups and downs that can be expected as a portfolio, we can expect on that seven to 9% at a good year, an extra 11% return could occur, or in a bad year, from that 7%, it drops 11% more than that.\n\nSo it kinda shows us the range that we're sort of expecting. And to sort of see the difference, an aggressive portfolio, you're sort of averaging about 11 to 13% return. But volatility wise, in a good year, on top of that 13%, you could also get an extra 18%. But then from the in a bad year, from the 11%, it could also drop by the 18% as well. So you can sort of see taking on more risk, you get greater returns, but the downside is also larger.\n\nAnd where you are at the moment is more in the middle. You're sort of sitting in that medium range, about a three out of five when you think about the risk scale. And it it certainly suits where you're at if you wanna stay there for a little bit longer. When you are about sort of five to six years out from accessing your your super, I would absolutely be telling you to pull back a little bit. Let's start reducing it fast, dropping things at a 10% rate each year, and then just sort of gradually decrease in the risk level.\n\nBut if you're comfortable and wanna stay in that environment for one more year, you absolutely can. There's nothing wrong with it. It still suits your time horizon. It still suits your risk tolerance. Yeah.\n\nYep. Yep. Oh, man. Yep. Yeah.\n\nAbsolutely. Yeah. Yeah. Absolutely. And I can look at other ways to reduce the risk level.\n\nSo, like, if I remove the Bannalong from your portfolio, I can look at an investment that has more investments in it. So to give you a bit of an example, that Bannalong Australian Equities investment, they generally hold about 15 to 25 different investments depending on what they're invested in within their in that that investment class. I could look at removing that, put you in something a bit more passive, which is, you know, reducing risk as it is because it's just tracking a certain indices of the market. But I could look at an investment to replace that. That gives you more access to investments.\n\nSo instead of tracking, you know, 15 or 25 different investments, we might put you in something that has 200. So your money is spread over more investments, which gives you more diversification, which can help to lower the risk level of your portfolio as well. So even though you're in that growth environment, we can look to mitigate as much risk as possible in other ways. Does that make sense? Yeah.\n\nDo you have questions? Because I know it's a lot, and I'm so sorry. But do you have any questions that come out of that? Yeah. Yeah.\n\nAbsolutely. Yeah. Definitely. No. That's absolutely fine.\n\nSo what we'll do, if you like, is I can look at the growth portfolio. I'll look at adjusting your super, look at, you know, making sure MLC is working properly. We'll move some money into hub as well and do a rollover. We'll retain your insurances as they are, and then we can also make sure that in the next six months, so that'd be around about December, we then check-in. I do a bit of a catch up with you just before the Christmas break because that's when all of Michael's stuff will also be happening.\n\nSo we'll have a checkup before the Christmas break, and then we'll come back early next year, and we'll do an advice piece for both of you and reassess everything. Does that sound okay? Yep. Yep. Yep.\n\nYeah. Absolutely. Beautiful. Oh, absolutely. So the way it used to be was you'd be putting, you know, your employer's putting in a a larger chunk of money sort of once every month or every three months depending on how they did it.\n\nBut now with the payday deposits for your contributions, you'll have smaller amounts of money going in more regularly. So that way, you're really dollar cost averaging, which means smaller amounts of money gets distributed across your portfolio. So you really get to take advantage of the downtimes and the uptimes as well, and that can have a much greater effect for your super. Absolutely. Yeah.\n\nFantastic. Excellent. Well, I've got a really good idea of what I wanna do. I've got some really good investments to look at replacing that for you with. I'll just go back and do a little bit of research there.\n\nMy team will give you a call in a couple of weeks just to rebook you back in, and we'll go through the advice piece together. We can do it over the phone in person. Whatever you're comfortable with, I'll make it work, And we'll then we'll come back in six months and do another review with you, and then we'll do another advice piece early next year for the two of you and kind of look at where we're tracking down even further. Okay? Yep.\n\nYeah. Yes. Yes. Yeah. So my team has just finished all the research for that one.\n\nI'll get them to give him a call in the next couple of days, and they'll book him in to go through the advice piece with me. Absolutely. Yeah. Yep. Beautiful.\n\nExcellent. Moving forward over the next, you know, couple of years, do you have any other goals that you're sort of looking to achieve? It can be anything. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yeah. That's okay.\n\nWhat sort of amount would you be comfortable with do you think to buy a property if that sort of opportunity came up? Do you have sort of a a a top and bottom amount you'd be comfortable with? Maximum minimum purchasing? Yeah. Yeah.\n\nYeah. Yeah. Yep. Yeah. Yeah.\n\nYeah. No. That's absolutely fine. Yep. Yeah.\n\nNo. That's perfect. I love that. That is absolutely beautiful. And do you sort of know and then, look, this could change nine years.\n\nThere's a lot of differences there. But living expenses wise, do you sorta know what the two of you are going to need to live on on a weekly basis in retirement to be able to survive? Yeah. Right. Yep.\n\nYep. Yep. Yep. No. That's okay.\n\nThat's not a problem at all. And when you do get to retirement, when we kinda go through these sorts of questions and look at, you know, your retirement income, it's always just a kind of a gauge at this point. When you actually get to the point where nine years where you go, hey. I'm ready to retire, then we'll really look at what you need to live on, maybe do a budget planner with you as well and kinda determine what you need expenditure wise and how long that's gonna last because that's when we can really get into the drawdown side of things for you guys. Yeah.\n\nYeah. Absolutely. Yep. Yep. Yeah.\n\nAbsolutely. No. Perfect. Excellent. All good.\n\nWell, that's basically everything I needed to sort of go through at the moment. Oh, sorry. The only other thing is just noting down here, you guys don't have a will and power of attorney set up as of yet. Yep. Yep.\n\nFantastic. Fantastic. And beneficiary nominations. Sorry. You're right, dude.\n\nWe do. There is a local solicitor that I can email you through the details for if you like. They're a local Gold Coast solicitor. We'll send you through the details of them and a costing of how much they charge to do up a will. And then if you want us to refer you through, we absolutely can.\n\nOtherwise, you can just contact them directly and say, hey. We wanna organize our will. So if you like that, I'll put that email up for you shortly. Easy. Yep.\n\nThat's okay. And beneficiary wise on your life insurance as well as your super, I'm just double checking the two. So I've got here on your hub 24 super, you wanted it's a binding lapsing nomination, so that means it does need to be updated every three years, and the next time is in 2027. But you had 25% to Demi, 25% to Lachlan, so 50% to your children, 25% each, and then the other 50% to Michael. Is that right?\n\nYep. Yeah. I think one of the big things to sort of point out with the are they over 18? Are they technically financial dependent? They are?\n\nYeah. Yep. No. That's okay. Yeah.\n\nThat's okay. Yeah. Absolutely fine. Happy to keep it as is for you for now, and we'll just adjust that as we need to. We we can always have that sort of in-depth conversation when we come back next year and reassess everything together jointly and talk about what that looks like for you both.\n\nWith the MLC, we've got the same thing there. So Demi, Laughlin, and Michael, you're happy with those percentages for the MLC policy as well? Yep. Beautiful. Excellent.\n\nIn the DocuSign, you'll have your ongoing service agreement there as well. So you both do pay us an ongoing service fee. It's 1.10% because we both so we have you both on board looking after both of you. And I do sort of like this agent stage because once having both of you here as clients means we can do that joint advice. One of the biggest things as we get closer to actually accessing super looking at, you know, in that nine year period and when we get to looking at Centrelink eligibility and things like that, taking all of your circumstances and both your super balances does work.\n\nSo it's really great to be able to do that advice piece together and really sort of note out what's happening as a family for you guys. So I get a bit excited about that. Sorry. Yeah. Let's have a look at that DocuSign.\n\nIf you find there's any questions, please let me know. Yeah. Easy. Oh, congratulations. Yeah.\n\nDepending depending on what you wanted to do. So you can just start off with a bank account in your name. If you put it in the child's name directly, it does mean they have to get a tax file number. So bank accounts do work if you've only got a small amount of money. Alternatively, if you guys wanted to invest something and have it working a lot more, we do have access to child builder bonds, and they're essentially an insurance product.\n\nSo it's an an investment bond. You start off with as little as a thousand dollars. And as long as you're putting regular amounts in sort of every month or every year, that money is held in trust in the bond for the child. And then when they meet a certain age, they can essentially as long as that bond's been held for ten years, they can actually receive that income completely tax free when that just get handed over to them. It essentially goes into your name in trust four, but the child is the beneficiary of that bond.\n\nAnd, normally, you can hold it up to the age of 25, and then it gets vested or transferred to the child. The benefit of these sorts of things is most investments, if you are putting money into them, you have to account for as part of your personal tax return. But these investment bonds with the structure they are, you don't. Any income or any capital gains within the bond is all looked after in the actual bond itself. There's no, yeah, no consequences for your personal tax side of things.\n\nAnd the same thing, if it's if it's held for ten years and then vested to the child or transferred to the child, they can then be drawing income as a lump sum or regular income payments however they want, And it's all tax free for them, which is fantastic. It's a great little nest egg or a great little way of building, you know, future money for our grandchildren. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. Yeah. Absolutely. Yeah.\n\nNo. Perfect. Not a problem at all. I love doing things like that. I'll make that as a medium term goal for you.\n\nAnd, yeah, have a chat to Michael about those options. And when we meet in January and do the big joint advice case, then we'll kind of consider all those other options for you as well. I love it. Fantastic. All good.\n\nWell, thank you. My pleasure. You have a lovely night, Judith. Thank you so much for your time. Easy.\n\nThanks so much. Will do. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Judith.","start":4.96,"end":5.6,"sentiment":"neutral","sentiment_score":0.08670537173748016},{"text":"It's Dana from Oakey Financial.","start":5.6,"end":7.2,"sentiment":"neutral","sentiment_score":0.1179817721247673},{"text":"I had you booked in this afternoon to go through your annual review.","start":7.2,"end":9.92,"sentiment":"neutral","sentiment_score":0.14325700585658735},{"text":"If you can please call me back on 130160796.","start":9.92,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.12045689341094759},{"text":"Thank you, and I hope you're having a great day.","start":13.5199995,"end":15.465,"sentiment":"positive","sentiment_score":0.618357914686203}],"sentiment":"neutral","sentiment_score":0.2536756889178203,"num_words":39,"start":4.96,"end":15.465},{"sentences":[{"text":"Hi, Judith.","start":17.385,"end":18.025,"sentiment":"neutral","sentiment_score":0.006552313454449177},{"text":"You there.","start":18.025,"end":18.585,"sentiment":"neutral","sentiment_score":-0.01095833396539092},{"text":"So sorry.","start":18.585,"end":19.245,"sentiment":"neutral","sentiment_score":-0.033612076193094254},{"text":"Can you that's okay.","start":19.625,"end":22.445,"sentiment":"neutral","sentiment_score":-0.10089882276952267},{"text":"Yeah.","start":24.665,"end":25.145,"sentiment":"neutral","sentiment_score":0.003074560314416886}],"sentiment":"neutral","sentiment_score":-0.04332335674288598,"num_words":11,"start":17.385,"end":25.145},{"sentences":[{"text":"I can now.","start":25.145,"end":25.865,"sentiment":"neutral","sentiment_score":0.019742591306567192},{"text":"Yeah.","start":25.865,"end":26.105,"sentiment":"neutral","sentiment_score":0.11640144884586334},{"text":"Perfect.","start":26.105,"end":26.505001,"sentiment":"neutral","sentiment_score":0.28436779975891113},{"text":"It just beeps, and I left you a a message.","start":26.505001,"end":28.425,"sentiment":"neutral","sentiment_score":0.13867783546447754},{"text":"So if you get a text or a missed call, it's just me.","start":28.425,"end":31.25,"sentiment":"neutral","sentiment_score":0.11698515942463508}],"sentiment":"neutral","sentiment_score":0.12027080177462526,"num_words":28,"start":25.145,"end":31.25},{"sentences":[{"text":"No.","start":37.87,"end":38.03,"sentiment":"neutral","sentiment_score":0.0911317989230156},{"text":"That's all good.","start":38.03,"end":39.39,"sentiment":"neutral","sentiment_score":0.23669462402661642},{"text":"Honestly, not an issue at all.","start":39.39,"end":41.25,"sentiment":"neutral","sentiment_score":0.22259914875030518},{"text":"I did have you booked in just to run through your annual review.","start":41.565002,"end":43.965,"sentiment":"positive","sentiment_score":0.33343090690099275},{"text":"There is now still a good time for you.","start":43.965,"end":45.985,"sentiment":"positive","sentiment_score":0.3960521916548411}],"sentiment":"neutral","sentiment_score":0.3136213149409741,"num_words":32,"start":37.87,"end":45.985},{"sentences":[{"text":"The yeah?","start":46.925,"end":50.305,"sentiment":"neutral","sentiment_score":0.24140655249357224},{"text":"Fantastic.","start":54.3,"end":54.8,"sentiment":"positive","sentiment_score":0.4696255922317505},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":55.34,"end":59.58,"sentiment":"neutral","sentiment_score":0.14555786691960834},{"text":"Are you happy for me to proceed with that?","start":59.58,"end":61.68,"sentiment":"neutral","sentiment_score":0.15826856096585593},{"text":"Fantastic.","start":63.5,"end":64.0,"sentiment":"neutral","sentiment_score":0.3283417820930481}],"sentiment":"neutral","sentiment_score":0.16946802156813004,"num_words":34,"start":46.925,"end":64.0},{"sentences":[{"text":"And just to do a really quick security check there with you just to confirm your full name, your date of birth, and address I should have on file.","start":64.22,"end":70.515,"sentiment":"neutral","sentiment_score":0.17594223906253947},{"text":"Yep.","start":74.735,"end":75.235,"sentiment":"neutral","sentiment_score":0.01631694659590721},{"text":"Yeah.","start":95.005005,"end":95.40501,"sentiment":"neutral","sentiment_score":0.018316343426704407},{"text":"That's that's okay.","start":95.40501,"end":97.025,"sentiment":"neutral","sentiment_score":0.15329961478710175},{"text":"I will quickly just pop in there and grab that for you just to reconfirm it.","start":97.165,"end":102.305,"sentiment":"neutral","sentiment_score":0.145448699593544}],"sentiment":"neutral","sentiment_score":0.15848072521388532,"num_words":50,"start":64.22,"end":102.305},{"sentences":[{"text":"Have a look.","start":108.020004,"end":108.840004,"sentiment":"neutral","sentiment_score":0.041772631307442985},{"text":"Yeah.","start":113.94,"end":114.18,"sentiment":"neutral","sentiment_score":0.038876570761203766},{"text":"So I still do have the 2916 Gold Coast Highway, but I'm pretty sure I've updated it the other week on Michael's files.","start":114.18,"end":123.445,"sentiment":"neutral","sentiment_score":0.05462395286430483},{"text":"So I'll just go back and grab that.","start":123.445,"end":125.545006,"sentiment":"neutral","sentiment_score":0.02839213632978499},{"text":"Yeah.","start":125.685005,"end":126.185005,"sentiment":"neutral","sentiment_score":0.05024682357907295}],"sentiment":"neutral","sentiment_score":0.04716470263277491,"num_words":36,"start":108.020004,"end":126.185005},{"sentences":[{"text":"You're right.","start":129.78,"end":130.42001,"sentiment":"neutral","sentiment_score":0.04384684003889561},{"text":"So it's so much free.","start":130.42001,"end":132.1,"sentiment":"neutral","sentiment_score":0.11411551460623741},{"text":"Yep.","start":132.1,"end":132.6,"sentiment":"neutral","sentiment_score":0.06049112603068352},{"text":"Of Endelie Avenue 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you?","start":183.3,"end":187.23999,"sentiment":"neutral","sentiment_score":-0.004622750153595751},{"text":"Yeah.","start":187.86,"end":188.36,"sentiment":"neutral","sentiment_score":-0.006428956054151058},{"text":"Are you still wanting to sort of access super around about the age of 60, Mark, or when is it that you're actually wanting to sort of stop working and hopefully enjoy those time it is?","start":188.755,"end":197.495,"sentiment":"neutral","sentiment_score":-0.00875507186477383},{"text":"Mhmm.","start":200.61,"end":201.11,"sentiment":"neutral","sentiment_score":-0.05668109655380249}],"sentiment":"neutral","sentiment_score":-0.008077517282217742,"num_words":50,"start":182.26,"end":201.11},{"sentences":[{"text":"Yep.","start":206.6175,"end":207.1175,"sentiment":"neutral","sentiment_score":-0.017236553132534027},{"text":"Yep.","start":216.465,"end":216.965,"sentiment":"neutral","sentiment_score":-0.0255390927195549},{"text":"Yes.","start":222.145,"end":222.645,"sentiment":"neutral","sentiment_score":0.020739804953336716},{"text":"Yep.","start":227.68,"end":228.18,"sentiment":"neutral","sentiment_score":0.016128411516547203},{"text":"Yeah.","start":235.52,"end":236.02,"sentiment":"neutral","sentiment_score":0.086174875497818}],"sentiment":"neutral","sentiment_score":0.016053489223122597,"num_words":5,"start":206.6175,"end":236.02},{"sentences":[{"text":"Yeah.","start":236.24,"end":236.74,"sentiment":"neutral","sentiment_score":0.0557289645075798},{"text":"Mhmm.","start":244.915,"end":245.415,"sentiment":"neutral","sentiment_score":-0.03767916560173035},{"text":"Yep.","start":247.875,"end":248.375,"sentiment":"neutral","sentiment_score":-0.011942937038838863},{"text":"Okay.","start":254.93,"end":255.43,"sentiment":"neutral","sentiment_score":-0.11643260717391968},{"text":"Yeah.","start":256.05,"end":256.55,"sentiment":"neutral","sentiment_score":-0.047965679317712784}],"sentiment":"neutral","sentiment_score":-0.031658284924924375,"num_words":5,"start":236.24,"end":256.55},{"sentences":[{"text":"Oh, you're salary sacrificing?","start":265.98502,"end":267.36502,"sentiment":"neutral","sentiment_score":-0.10800831019878387},{"text":"Yep.","start":268.945,"end":269.445,"sentiment":"neutral","sentiment_score":0.02661612629890442},{"text":"Yep.","start":269.825,"end":270.325,"sentiment":"neutral","sentiment_score":0.042744215577840805},{"text":"Yes.","start":276.72,"end":277.22,"sentiment":"neutral","sentiment_score":0.060179706662893295},{"text":"Yeah.","start":277.52,"end":278.02,"sentiment":"neutral","sentiment_score":0.05708233267068863}],"sentiment":"neutral","sentiment_score":-0.030676357448101044,"num_words":8,"start":265.98502,"end":278.02},{"sentences":[{"text":"Yeah.","start":281.84,"end":282.34,"sentiment":"neutral","sentiment_score":0.007842532359063625},{"text":"Yeah.","start":285.295,"end":285.61502,"sentiment":"neutral","sentiment_score":0.015607394278049467},{"text":"No.","start":285.61502,"end":285.77502,"sentiment":"neutral","sentiment_score":-0.039336610585451126},{"text":"That's okay.","start":285.77502,"end":286.255,"sentiment":"neutral","sentiment_score":0.02426202967762947},{"text":"Are you wanting to look at increasing that down the track to kinda give it a last little bit of a boost towards social time that you used to see if we can get you retired earlier?","start":286.255,"end":294.435,"sentiment":"neutral","sentiment_score":0.055989260684598134}],"sentiment":"neutral","sentiment_score":0.05010095287469171,"num_words":42,"start":281.84,"end":294.435},{"sentences":[{"text":"Yeah.","start":296.015,"end":296.515,"sentiment":"neutral","sentiment_score":0.02907230705022812},{"text":"Yes.","start":305.78998,"end":305.94998,"sentiment":"neutral","sentiment_score":0.057434551417827606},{"text":"That's it.","start":305.94998,"end":306.85,"sentiment":"neutral","sentiment_score":0.08077935315668583},{"text":"Yeah.","start":307.07,"end":307.57,"sentiment":"neutral","sentiment_score":0.08623804152011871},{"text":"Boost it back in.","start":310.285,"end":311.505,"sentiment":"neutral","sentiment_score":0.13141011260449886}],"sentiment":"neutral","sentiment_score":0.09554933963550462,"num_words":9,"start":296.015,"end":311.505},{"sentences":[{"text":"Yeah.","start":311.565,"end":312.065,"sentiment":"neutral","sentiment_score":0.11814597249031068},{"text":"Yeah.","start":312.765,"end":313.165,"sentiment":"neutral","sentiment_score":0.10535535216331482},{"text":"No.","start":313.165,"end":313.405,"sentiment":"neutral","sentiment_score":0.09061866998672484},{"text":"Absolutely.","start":313.405,"end":313.905,"sentiment":"neutral","sentiment_score":0.3022749722003937},{"text":"And I've nearly got that advice ready to go, which should be fantastic to get sorted for you guys.","start":314.045,"end":319.185,"sentiment":"positive","sentiment_score":0.45229471984662506}],"sentiment":"positive","sentiment_score":0.40043454973594,"num_words":23,"start":311.565,"end":319.185},{"sentences":[{"text":"Beautiful.","start":320.285,"end":320.765,"sentiment":"positive","sentiment_score":0.5915735960006714},{"text":"So we'll keep it at $60 at the moment, sort of see how everything goes with Michael, and then we'll kind of maybe once we go through his advice and I come back, we might maybe talk to the both of you.","start":320.765,"end":331.38,"sentiment":"neutral","sentiment_score":0.10082114354840346},{"text":"And I'll do, like, a joint advice document at the end of the year, maybe.","start":331.92,"end":335.94,"sentiment":"neutral","sentiment_score":0.10445163150628407},{"text":"I think we sort of talked about when he's gonna retires, maybe do a joint advice piece after that, and kind of look at how we boost things on those last couple of years a bit more for you both.","start":336.0,"end":346.985,"sentiment":"neutral","sentiment_score":0.1004678251221776},{"text":"Does that sound okay?","start":346.985,"end":348.205,"sentiment":"neutral","sentiment_score":0.16485134698450565}],"sentiment":"neutral","sentiment_score":0.10853876951424514,"num_words":102,"start":320.285,"end":348.205},{"sentences":[{"text":"Yep.","start":348.34497,"end":348.84497,"sentiment":"neutral","sentiment_score":0.2599110007286072},{"text":"Fantastic.","start":349.145,"end":349.645,"sentiment":"positive","sentiment_score":0.8321444988250732},{"text":"I love that.","start":350.26498,"end":350.985,"sentiment":"positive","sentiment_score":0.8177866538365682},{"text":"So we'll say joint advice piece is both of you down the track.","start":350.985,"end":354.56,"sentiment":"neutral","sentiment_score":0.2879169422846574},{"text":"We'll get his retirement side of things sorted, and then we'll come back and I'll have a chat with both of you after we do that, and then we'll update the advice and kind of go forward with both of you as a joint piece.","start":354.56,"end":364.16,"sentiment":"neutral","sentiment_score":0.249171249071757}],"sentiment":"neutral","sentiment_score":0.2936673320475079,"num_words":63,"start":348.34497,"end":364.16},{"sentences":[{"text":"So you can sort of see where you're both tracking, where you're both heading moving forward, and what we need to do to kinda help you both along.","start":364.16,"end":370.625,"sentiment":"neutral","sentiment_score":0.27606350077050074},{"text":"Okay?","start":370.765,"end":371.265,"sentiment":"neutral","sentiment_score":0.12478092312812804},{"text":"Yep.","start":372.125,"end":372.625,"sentiment":"neutral","sentiment_score":0.13132800161838531},{"text":"Beautiful.","start":372.685,"end":373.185,"sentiment":"positive","sentiment_score":0.37813377380371094},{"text":"Mhmm.","start":376.685,"end":377.185,"sentiment":"neutral","sentiment_score":0.04934976249933243}],"sentiment":"neutral","sentiment_score":0.2629178275819868,"num_words":32,"start":364.16,"end":377.185},{"sentences":[{"text":"Yep.","start":378.43,"end":378.93,"sentiment":"neutral","sentiment_score":0.027909528464078903},{"text":"Yeah.","start":380.91,"end":381.41,"sentiment":"neutral","sentiment_score":0.0196684543043375},{"text":"Yeah.","start":383.79,"end":384.03,"sentiment":"neutral","sentiment_score":0.20824527740478516},{"text":"I can absolutely do that for you.","start":384.03,"end":386.19,"sentiment":"positive","sentiment_score":0.38959795236587524},{"text":"What I will do is I've had a bit of a look at I need to go back and do a couple of projections to kinda show you what that looks like.","start":386.19,"end":393.25,"sentiment":"neutral","sentiment_score":0.09277857886627316}],"sentiment":"neutral","sentiment_score":0.14171246310607308,"num_words":42,"start":378.43,"end":393.25},{"sentences":[{"text":"But I have, as part of this, had a bit of a look at your portfolio.","start":393.575,"end":396.635,"sentiment":"neutral","sentiment_score":0.08580191736109555},{"text":"So I have sort of noted and, look, your balance has been going really, really well.","start":396.855,"end":401.335,"sentiment":"neutral","sentiment_score":0.2455912884324789},{"text":"When we kind of look back at your annual review last year, your balance is about a 150,060.","start":401.335,"end":407.115,"sentiment":"neutral","sentiment_score":0.08383719933529694},{"text":"Your balance as of now is a 166,000 5 134.","start":407.91,"end":412.55,"sentiment":"neutral","sentiment_score":0.08531153798103333},{"text":"So it has definitely increased.","start":412.55,"end":414.25,"sentiment":"neutral","sentiment_score":0.20703537464141847}],"sentiment":"neutral","sentiment_score":0.1338408174423071,"num_words":65,"start":393.575,"end":414.25},{"sentences":[{"text":"We have seen a net return after fees of 6.09 percent, which is a good return for the kind of portfolio you're in at the moment.","start":414.31,"end":423.805,"sentiment":"neutral","sentiment_score":0.25763364737996686},{"text":"It is a little bit low for where we'd like it to be.","start":423.805,"end":426.125,"sentiment":"neutral","sentiment_score":-0.04152320955808346},{"text":"So when you're in that growth portfolio side of things, we kind of wanna see you averaging around about a seven to 9% return, and that's kind of the range we're hoping for on a yearly basis and compounding forward.","start":426.125,"end":437.74,"sentiment":"neutral","sentiment_score":0.10719192051328719},{"text":"This year, with the ups and downs in the market and what's been going on, we have sort of seen a lot more ups and downs, and it has meant that the the returns are a little bit lower than expected.","start":438.12,"end":448.3,"sentiment":"neutral","sentiment_score":-0.16839250195317151},{"text":"So I'm happy that you've still come up with a good return, but it is a bit lower than what we sort of like to see.","start":448.44,"end":454.145,"sentiment":"neutral","sentiment_score":0.08295467911431423}],"sentiment":"neutral","sentiment_score":0.03903478770580602,"num_words":146,"start":414.31,"end":454.145},{"sentences":[{"text":"I have also noted in your portfolio, you've got an investment that's underperforming.","start":454.925,"end":459.10498,"sentiment":"neutral","sentiment_score":-0.1790028581252465},{"text":"So I do wanna update the advice now and have that one completely removed there for you.","start":459.32498,"end":464.54498,"sentiment":"neutral","sentiment_score":-0.1295619010925293},{"text":"That way, we can maybe update the portfolio, update your projections on what we're tracking for now, and then we'll come back after I've done Michael's next piece of advice after he's drawn out that money, and then we can kinda come back and do another joint advice piece for you guys early next year and keep tracking forward and update things.","start":465.64,"end":484.635,"sentiment":"neutral","sentiment_score":0.048405480060365894},{"text":"Does that sound okay for you?","start":484.635,"end":486.315,"sentiment":"neutral","sentiment_score":0.10599838693936665},{"text":"Yes?","start":486.315,"end":486.815,"sentiment":"neutral","sentiment_score":0.0348687581717968}],"sentiment":"neutral","sentiment_score":-0.008662531622732528,"num_words":99,"start":454.925,"end":486.815},{"sentences":[{"text":"Yep.","start":487.195,"end":487.675,"sentiment":"neutral","sentiment_score":0.1188775897026062},{"text":"Beautiful.","start":487.675,"end":488.175,"sentiment":"neutral","sentiment_score":0.2736184895038605},{"text":"Excellent.","start":488.95502,"end":489.45502,"sentiment":"positive","sentiment_score":0.4729491174221039},{"text":"Excellent.","start":489.595,"end":490.095,"sentiment":"positive","sentiment_score":0.4661955237388611},{"text":"So your balance is going really well.","start":491.115,"end":492.635,"sentiment":"positive","sentiment_score":0.497590571641922}],"sentiment":"positive","sentiment_score":0.43770679289644415,"num_words":11,"start":487.195,"end":492.635},{"sentences":[{"text":"I have sent you an email as well with your annual review docs.","start":492.635,"end":495.435,"sentiment":"neutral","sentiment_score":0.27054881820311916},{"text":"It does have the summary in there of your balances.","start":495.435,"end":497.91,"sentiment":"neutral","sentiment_score":0.15209709107875824},{"text":"The MLC master key there as well, the balance in there now is about 48,447, and last year was about $33,008.71.","start":498.85,"end":509.73,"sentiment":"neutral","sentiment_score":0.09137039383252461},{"text":"So, again, that's increased a little bit.","start":509.73,"end":511.845,"sentiment":"neutral","sentiment_score":0.11987970556531634},{"text":"I'll also update the advice to reflect just the retention strategy, roll some money out of MLC as well into Hub twenty four, which can also provide a greater boost for you as well.","start":512.805,"end":522.665,"sentiment":"neutral","sentiment_score":0.13417859298779683}],"sentiment":"neutral","sentiment_score":0.14538957551121712,"num_words":85,"start":492.635,"end":522.665},{"sentences":[{"text":"Yeah.","start":523.205,"end":523.705,"sentiment":"neutral","sentiment_score":0.018503127619624134},{"text":"Yeah.","start":525.22,"end":525.72,"sentiment":"neutral","sentiment_score":-0.0006281156092882156},{"text":"Yeah.","start":528.89996,"end":529.3,"sentiment":"neutral","sentiment_score":0.07718846201896667},{"text":"Definitely wanna do that now.","start":529.3,"end":530.89996,"sentiment":"neutral","sentiment_score":0.3215053141117096},{"text":"We normally like to only hold about 10,000 in there with your insurance as being about $2.","start":530.89996,"end":536.18,"sentiment":"neutral","sentiment_score":0.05041981356985429}],"sentiment":"neutral","sentiment_score":0.10238907501101494,"num_words":25,"start":523.205,"end":536.18},{"sentences":[{"text":"So the insurance is at MLC at the moment.","start":536.18,"end":539.39996,"sentiment":"neutral","sentiment_score":0.05357462788621584},{"text":"You're paying about $1,800 for those for this year.","start":539.445,"end":542.565,"sentiment":"neutral","sentiment_score":0.057730060484674245},{"text":"So I'll probably leave just a little bit more than 10,000 in there plus an additional 2 just to cover your insurance premium just because we are back to the market ups and downs as well.","start":542.565,"end":553.305,"sentiment":"neutral","sentiment_score":0.088154887366626},{"text":"Yeah.","start":553.365,"end":553.865,"sentiment":"neutral","sentiment_score":0.021169530227780346},{"text":"Yeah.","start":558.95996,"end":559.45996,"sentiment":"neutral","sentiment_score":0.02058739773929119}],"sentiment":"neutral","sentiment_score":0.07530491193756461,"num_words":56,"start":536.18,"end":559.45996},{"sentences":[{"text":"Yeah.","start":559.75995,"end":560.07996,"sentiment":"neutral","sentiment_score":0.0318094864487648},{"text":"So it's just you a little bit of cover there.","start":560.07996,"end":562.31995,"sentiment":"neutral","sentiment_score":0.014870780520141125},{"text":"With your life and TBD, you've got the 219,000 of both.","start":562.31995,"end":566.98,"sentiment":"neutral","sentiment_score":0.10034266588362781},{"text":"Looking at your circumstances, and if we kind of looked at, you know, how that might track in the event of something happening to you I'm just closing one folder.","start":567.865,"end":577.70496,"sentiment":"neutral","sentiment_score":-0.022395898091296353},{"text":"Sorry.","start":577.70496,"end":577.865,"sentiment":"neutral","sentiment_score":-0.1414787620306015}],"sentiment":"neutral","sentiment_score":0.008885488898124336,"num_words":53,"start":559.75995,"end":577.865},{"sentences":[{"text":"I have so many folders open.","start":577.865,"end":579.64496,"sentiment":"neutral","sentiment_score":-0.14876114328702292},{"text":"Shocking.","start":579.66,"end":579.89996,"sentiment":"neutral","sentiment_score":-0.30519622564315796},{"text":"There we go.","start":579.89996,"end":580.87994,"sentiment":"neutral","sentiment_score":-0.09249073018630345},{"text":"Essentially, with your so you guys are renting where you're at at the moment, and I've got it down here.","start":583.1,"end":590.62,"sentiment":"neutral","sentiment_score":-0.010072675254195928},{"text":"You don't have any real debt aside from the two credit cards that you've got there at the moment.","start":590.62,"end":595.44,"sentiment":"neutral","sentiment_score":-0.07626408093461864}],"sentiment":"neutral","sentiment_score":-0.06378992487277303,"num_words":49,"start":577.865,"end":595.44},{"sentences":[{"text":"So, realistically, that 219,000, if you were to say pass away today, you've got the 219,000 there of life insurance, plus we've also got the $166.05 34 of super in half twenty four and another $48,004.04 7 of Super Inside MLC as well.","start":597.875,"end":617.2,"sentiment":"neutral","sentiment_score":0.09707119586595962},{"text":"So it does give you a total life benefit of a bit over 433,000.","start":617.2,"end":622.02,"sentiment":"neutral","sentiment_score":0.3166705753122057},{"text":"Do you feel like that's fairly sufficient to have sort of paid out to Michael in the event of you passing and having to pay rent and continue his thing?","start":622.4,"end":630.855,"sentiment":"neutral","sentiment_score":0.15908566142121952},{"text":"Yeah.","start":633.15497,"end":633.65497,"sentiment":"neutral","sentiment_score":-0.008964698761701584},{"text":"No.","start":635.555,"end":636.055,"sentiment":"neutral","sentiment_score":-0.09997697174549104}],"sentiment":"neutral","sentiment_score":0.1491132320082757,"num_words":89,"start":597.875,"end":636.055},{"sentences":[{"text":"Yep.","start":640.93,"end":641.43,"sentiment":"neutral","sentiment_score":0.0006768157472833991},{"text":"Yep.","start":641.97003,"end":642.47003,"sentiment":"neutral","sentiment_score":0.029251277446746823},{"text":"Yep.","start":642.61,"end":643.11,"sentiment":"neutral","sentiment_score":0.03468067944049835},{"text":"That would be okay.","start":643.73,"end":644.77,"sentiment":"positive","sentiment_score":0.34185393899679184},{"text":"Beautiful.","start":644.77,"end":645.27,"sentiment":"positive","sentiment_score":0.6710622310638428}],"sentiment":"neutral","sentiment_score":0.26288584496069234,"num_words":8,"start":640.93,"end":645.27},{"sentences":[{"text":"With TBD, total permanent disability cover, it does pay out the lump sum benefit or a compounded income stream as well in the event of you never being able to go back to work again.","start":645.89,"end":656.015,"sentiment":"neutral","sentiment_score":0.21909805408545902},{"text":"Having a look at the TBD side of things, and and I know we kinda went through and talked about last year, but TBD is a tax benefit.","start":656.955,"end":664.58997,"sentiment":"neutral","sentiment_score":0.03637465575177755},{"text":"So if you were to become permanently incapacitated, you get access to the benefit of 219,000, plus your super is also released.","start":664.58997,"end":673.11,"sentiment":"neutral","sentiment_score":0.04961668920110573},{"text":"We can also claim permanent incapacity against your super.","start":673.11,"end":676.49,"sentiment":"neutral","sentiment_score":0.03304238782988654},{"text":"So it does give you the same sort of benefit, the 433.","start":676.715,"end":680.655,"sentiment":"neutral","sentiment_score":0.07647053586939971}],"sentiment":"neutral","sentiment_score":0.10371242771100886,"num_words":106,"start":645.89,"end":680.655},{"sentences":[{"text":"But if you then took that money out as a lump sum, they do when you're under the age of 60, they do actually charge tax at up to 22%.","start":680.875,"end":690.655,"sentiment":"neutral","sentiment_score":0.003959464033444723},{"text":"It's It's horrible.","start":690.795,"end":692.99,"sentiment":"negative","sentiment_score":-0.4556949198401223},{"text":"I do not Yeah.","start":694.25,"end":698.33,"sentiment":"negative","sentiment_score":-0.43019729759544134},{"text":"That's absolutely No.","start":698.33,"end":700.59,"sentiment":"neutral","sentiment_score":0.08311843499541283},{"text":"Absolutely fine.","start":700.73,"end":701.87,"sentiment":"neutral","sentiment_score":0.07662423327565193}],"sentiment":"neutral","sentiment_score":-0.06110681565145829,"num_words":42,"start":680.875,"end":701.87},{"sentences":[{"text":"So based on that, if I looked at the 22% tax based on the current sum insured, you'd end up with, as a lump sum, about 337,524.","start":702.97003,"end":714.225,"sentiment":"neutral","sentiment_score":0.02934307039335922},{"text":"So just over 337,000 for TBD between everything.","start":714.225,"end":718.325,"sentiment":"neutral","sentiment_score":0.03717672894708812},{"text":"Do you feel like that's fairly sufficient at the moment?","start":718.945,"end":721.52496,"sentiment":"neutral","sentiment_score":0.11635250747203826},{"text":"Or yep.","start":721.58496,"end":723.34,"sentiment":"neutral","sentiment_score":0.03797377087175846},{"text":"Yep.","start":723.4,"end":723.80005,"sentiment":"neutral","sentiment_score":0.09317201375961304}],"sentiment":"neutral","sentiment_score":0.050465028383769095,"num_words":48,"start":702.97003,"end":723.80005},{"sentences":[{"text":"Beautiful.","start":723.80005,"end":724.30005,"sentiment":"neutral","sentiment_score":0.10702615231275558},{"text":"No.","start":724.92004,"end":725.24005,"sentiment":"neutral","sentiment_score":-0.08486971259117126},{"text":"That's okay.","start":725.24005,"end":726.06006,"sentiment":"neutral","sentiment_score":-0.01901357527822256},{"text":"And and, look, income protection, as we kinda went through last year, you don't have any income protection.","start":726.84,"end":731.4,"sentiment":"neutral","sentiment_score":-0.05721814795914623},{"text":"There's no other additional insurances like trauma and things like that.","start":731.4,"end":735.105,"sentiment":"neutral","sentiment_score":-0.11490961583331227}],"sentiment":"neutral","sentiment_score":-0.06999403479593722,"num_words":33,"start":723.80005,"end":735.105},{"sentences":[{"text":"Lastly, you are happy not to have them knowing that more insurances need more money coming out of your super or out of your back pocket.","start":735.58496,"end":741.845,"sentiment":"neutral","sentiment_score":0.20120200543449476},{"text":"And we are looking to provide advice to Michael to sort of help, you know, with him starting to access some of his super and then sort of build on that afterwards.","start":742.305,"end":750.63995,"sentiment":"neutral","sentiment_score":0.15646634437143803},{"text":"Are you happy not having any additional insurance?","start":750.86,"end":753.33997,"sentiment":"neutral","sentiment_score":0.11523988097906113},{"text":"Did you wanna sort of talk us them through a bit more?","start":753.33997,"end":755.74,"sentiment":"neutral","sentiment_score":0.029853557197687525},{"text":"Or 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not limited to one call a year.","start":782.33,"end":784.25,"sentiment":"neutral","sentiment_score":0.08595142606645823},{"text":"If you need anything additional, if you have questions or you just wanna chew the fat with me, you just let me know.","start":784.25,"end":789.725,"sentiment":"neutral","sentiment_score":0.0799424823211587}],"sentiment":"neutral","sentiment_score":0.08488808813340523,"num_words":34,"start":780.09,"end":789.725},{"sentences":[{"text":"My team will book you in, and I'll happily, you know, make a time to talk you through, answer any questions, review, or research anything that you need at the time.","start":789.725,"end":798.125,"sentiment":"neutral","sentiment_score":0.15964973982303374},{"text":"Yeah.","start":798.125,"end":798.625,"sentiment":"neutral","sentiment_score":0.09504245221614838},{"text":"Beautiful.","start":800.44,"end":800.94,"sentiment":"positive","sentiment_score":0.6119799613952637},{"text":"Excellent.","start":801.08,"end":801.58,"sentiment":"positive","sentiment_score":0.4601558446884155},{"text":"Just going through the liabilities and assets.","start":802.76,"end":805.64,"sentiment":"neutral","sentiment_score":0.17736183532646724}],"sentiment":"neutral","sentiment_score":0.1794598302463206,"num_words":41,"start":789.725,"end":805.64},{"sentences":[{"text":"Now I've kind of updated everything as we sorta had here because I have sorta touched base with Mark previously there.","start":805.64,"end":811.575,"sentiment":"neutral","sentiment_score":0.14610615585531508},{"text":"Just double checking the Nissan Qashqai.","start":812.455,"end":815.675,"sentiment":"neutral","sentiment_score":0.043604349717497826},{"text":"Rough valuation about 15,000, do you think?","start":816.455,"end":819.335,"sentiment":"neutral","sentiment_score":0.013008618328188146},{"text":"Would you alter?","start":819.335,"end":820.235,"sentiment":"neutral","sentiment_score":0.006564225380619368},{"text":"Yep.","start":820.375,"end":820.875,"sentiment":"neutral","sentiment_score":0.12607595324516296}],"sentiment":"neutral","sentiment_score":0.09386011391976162,"num_words":38,"start":805.64,"end":820.875},{"sentences":[{"text":"That's all good.","start":821.255,"end":822.235,"sentiment":"positive","sentiment_score":0.34109658002853394},{"text":"Credit cards, we had a total limit on those of about 2,000 joint.","start":822.85504,"end":828.77,"sentiment":"neutral","sentiment_score":0.03161373519553588},{"text":"Is that right?","start":828.77,"end":829.59,"sentiment":"neutral","sentiment_score":0.03997161115209261},{"text":"Yep.","start":832.37,"end":832.87,"sentiment":"neutral","sentiment_score":0.017814621329307556},{"text":"Okay.","start":835.09,"end":835.59,"sentiment":"neutral","sentiment_score":0.0184459388256073}],"sentiment":"neutral","sentiment_score":0.07573541386851243,"num_words":21,"start":821.255,"end":835.59},{"sentences":[{"text":"Seven total.","start":837.17,"end":838.07,"sentiment":"neutral","sentiment_score":0.0005060406401753427},{"text":"Sounds good.","start":850.625,"end":851.505,"sentiment":"positive","sentiment_score":0.3426469564437866},{"text":"So one of them has a limit of 3,000 and the other one has 5,000.","start":851.505,"end":855.50995,"sentiment":"neutral","sentiment_score":0.057800077150265375},{"text":"Is that right?","start":855.50995,"end":856.32996,"sentiment":"neutral","sentiment_score":0.05210741857687632},{"text":"Yep.","start":856.87,"end":857.37,"sentiment":"neutral","sentiment_score":0.17177113890647888}],"sentiment":"neutral","sentiment_score":0.08180002374169619,"num_words":23,"start":837.17,"end":857.37},{"sentences":[{"text":"Beautiful.","start":857.50995,"end":858.00995,"sentiment":"positive","sentiment_score":0.6096676588058472},{"text":"Fantastic.","start":858.14996,"end":858.64996,"sentiment":"positive","sentiment_score":0.6948342323303223},{"text":"I will just update that for you.","start":858.87,"end":860.81,"sentiment":"positive","sentiment_score":0.5304557808807918},{"text":"Excellent.","start":860.94995,"end":861.44995,"sentiment":"positive","sentiment_score":0.4711376428604126},{"text":"Rent, we have you still paying about 750 per 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same?","start":875.165,"end":876.505,"sentiment":"neutral","sentiment_score":0.051876576617360115},{"text":"Yep.","start":877.765,"end":878.265,"sentiment":"neutral","sentiment_score":-0.070423424243927},{"text":"Okay.","start":881.46,"end":881.96,"sentiment":"neutral","sentiment_score":0.16811822354793549},{"text":"Beautiful.","start":882.02,"end":882.52,"sentiment":"positive","sentiment_score":0.4050177037715912},{"text":"Beautiful.","start":882.58,"end":883.08,"sentiment":"positive","sentiment_score":0.3399014174938202}],"sentiment":"neutral","sentiment_score":0.13126502837985754,"num_words":8,"start":875.165,"end":883.08},{"sentences":[{"text":"And income wise, still earning about 80,000.","start":883.7,"end":886.18,"sentiment":"neutral","sentiment_score":0.09409110673836299},{"text":"Have you been lucky enough to get a pay 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3.","start":897.875,"end":898.85504,"sentiment":"neutral","sentiment_score":-0.006966845598071814},{"text":"Yep.","start":899.075,"end":899.575,"sentiment":"neutral","sentiment_score":0.002385897561907768},{"text":"Yeah.","start":904.52997,"end":905.02997,"sentiment":"neutral","sentiment_score":-0.0026604020968079567},{"text":"Okay.","start":906.85,"end":907.35,"sentiment":"neutral","sentiment_score":0.07101768255233765},{"text":"Update that for you.","start":907.49,"end":908.76996,"sentiment":"neutral","sentiment_score":0.11397065781056881}],"sentiment":"neutral","sentiment_score":0.05696579089595212,"num_words":9,"start":897.875,"end":908.76996},{"sentences":[{"text":"Hopefully, you get a pay rise moving forward.","start":908.76996,"end":910.76996,"sentiment":"neutral","sentiment_score":0.2464886326342821},{"text":"You're definitely worth 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cool.","start":1030.9,"end":1035.88,"sentiment":"neutral","sentiment_score":0.20398860909044741}],"sentiment":"neutral","sentiment_score":0.1942022302966626,"num_words":61,"start":1019.945,"end":1035.88},{"sentences":[{"text":"Yeah.","start":1044.1951,"end":1044.6951,"sentiment":"neutral","sentiment_score":-0.04759824648499489},{"text":"I my they'll get past that.","start":1044.8351,"end":1047.495,"sentiment":"neutral","sentiment_score":-0.0714338185886542},{"text":"Yeah.","start":1049.155,"end":1049.655,"sentiment":"neutral","sentiment_score":0.005553653463721275},{"text":"No.","start":1050.035,"end":1050.355,"sentiment":"neutral","sentiment_score":-0.0619744174182415},{"text":"I understand.","start":1050.355,"end":1050.995,"sentiment":"neutral","sentiment_score":-0.055949822068214417}],"sentiment":"neutral","sentiment_score":-0.05859286964616992,"num_words":11,"start":1044.1951,"end":1050.995},{"sentences":[{"text":"My kids, that was the most boring person on the planet until they became 19 and 20 and got jobs and realized that money doesn't last when you're spending it on everything.","start":1050.995,"end":1058.61,"sentiment":"neutral","sentiment_score":-0.18685048737097532},{"text":"Yep.","start":1064.75,"end":1065.25,"sentiment":"neutral","sentiment_score":0.04369635507464409},{"text":"Yep.","start":1066.59,"end":1067.09,"sentiment":"neutral","sentiment_score":0.16442804038524628},{"text":"That's exactly right.","start":1068.265,"end":1069.565,"sentiment":"positive","sentiment_score":0.33821016550064087},{"text":"Yeah.","start":1069.945,"end":1070.345,"sentiment":"neutral","sentiment_score":0.09724778681993484}],"sentiment":"neutral","sentiment_score":-0.12261086623919637,"num_words":38,"start":1050.995,"end":1070.345},{"sentences":[{"text":"No.","start":1070.345,"end":1070.585,"sentiment":"neutral","sentiment_score":0.06143708527088165},{"text":"That's all good.","start":1070.585,"end":1071.885,"sentiment":"neutral","sentiment_score":0.1875599945584933},{"text":"So what I'll do with the advice is I'll just go back, and I'll have a bit of a look at the super.","start":1073.065,"end":1077.325,"sentiment":"neutral","sentiment_score":0.1269550057856933},{"text":"I'll just evaluate all the investments in there, look at how they're performing for you.","start":1077.545,"end":1081.645,"sentiment":"neutral","sentiment_score":0.13731002658605576},{"text":"One of the big things with the investment structures is the Bannalong investment that you had in there was originally placed in there.","start":1081.97,"end":1089.97,"sentiment":"neutral","sentiment_score":0.14394209598717483}],"sentiment":"neutral","sentiment_score":0.13714462782327946,"num_words":65,"start":1070.345,"end":1089.97},{"sentences":[{"text":"The idea is it's more of an actively managed fund, so the investment manager is trying to outperform against the market.","start":1089.97,"end":1095.59,"sentiment":"neutral","sentiment_score":0.15154207391398294},{"text":"They are supposed to be buying and selling in a way that, you know, they pick the top and the bottom or as close to as they possibly can.","start":1095.89,"end":1102.025,"sentiment":"neutral","sentiment_score":0.13923491409112668},{"text":"To have these sorts of active managers in your portfolio, you do pay a bit more in investment fees.","start":1102.965,"end":1108.325,"sentiment":"neutral","sentiment_score":0.14156926815447055},{"text":"So one way we can lessen or help to boost this super is to sort of look at, you know, reducing investment fees where possible as well.","start":1108.325,"end":1115.89,"sentiment":"neutral","sentiment_score":0.18810218931348235},{"text":"Did you want me to look at maybe having more of a passively managed portfolio that is tracking the market might be more cost effective for you as well and maybe, you know, making sure we're maximizing diversification as much as possible to reduce risk.","start":1115.89,"end":1129.845,"sentiment":"neutral","sentiment_score":0.21655941373772092}],"sentiment":"neutral","sentiment_score":0.17541804883285617,"num_words":141,"start":1089.97,"end":1129.845},{"sentences":[{"text":"Did you want me to kind of look at things that way, or did you wanna see more of an active manager in your portfolio?","start":1129.9049,"end":1134.885,"sentiment":"neutral","sentiment_score":0.06541447535157204},{"text":"What's your thought?","start":1134.945,"end":1136.085,"sentiment":"neutral","sentiment_score":0.022243060171604156},{"text":"Yeah.","start":1140.7999,"end":1141.2999,"sentiment":"neutral","sentiment_score":-0.025602564215660095},{"text":"That's okay.","start":1141.36,"end":1142.1,"sentiment":"neutral","sentiment_score":0.20420587062835693},{"text":"Mhmm.","start":1147.84,"end":1148.24,"sentiment":"neutral","sentiment_score":0.04007668048143387}],"sentiment":"neutral","sentiment_score":0.06640552880708128,"num_words":32,"start":1129.9049,"end":1148.24},{"sentences":[{"text":"Yeah.","start":1148.24,"end":1148.74,"sentiment":"neutral","sentiment_score":-0.007599052041769028},{"text":"That's okay.","start":1155.2949,"end":1156.115,"sentiment":"neutral","sentiment_score":-0.02054835669696331},{"text":"Yes.","start":1159.615,"end":1160.115,"sentiment":"neutral","sentiment_score":-0.04257728531956673},{"text":"Oh, yeah.","start":1164.35,"end":1167.09,"sentiment":"neutral","sentiment_score":-0.09102443978190422},{"text":"Yeah.","start":1172.91,"end":1173.41,"sentiment":"neutral","sentiment_score":-0.2514426112174988}],"sentiment":"neutral","sentiment_score":-0.0749663630766528,"num_words":7,"start":1148.24,"end":1173.41},{"sentences":[{"text":"That's okay.","start":1174.59,"end":1175.89,"sentiment":"neutral","sentiment_score":-0.13639650866389275},{"text":"No.","start":1177.195,"end":1177.4349,"sentiment":"neutral","sentiment_score":-0.12785601615905762},{"text":"Completely understandable.","start":1177.4349,"end":1178.6549,"sentiment":"neutral","sentiment_score":-0.1222354806959629},{"text":"I think one of the last reviews I did earlier, I was talking to the client more about when you're in your fifties, you know, looking at trying to reduce risk as much as possible whilst keeping a bit of growth there.","start":1178.875,"end":1188.6549,"sentiment":"neutral","sentiment_score":-0.02180480941509207},{"text":"And, realistically, you can stay within that growth sort of environment because, I mean, having a look, you are we before did you want me to sort of look at age 65 as a base for time and for this advice piece, and then we can always build on that down the track later if you wanted to sort of continue working longer.","start":1189.25,"end":1205.875,"sentiment":"neutral","sentiment_score":0.07447631083547122}],"sentiment":"neutral","sentiment_score":0.028464414475655012,"num_words":110,"start":1174.59,"end":1205.875},{"sentences":[{"text":"Does that sound okay?","start":1206.095,"end":1207.1549,"sentiment":"neutral","sentiment_score":0.07288363389670849},{"text":"Yep.","start":1217.07,"end":1217.57,"sentiment":"neutral","sentiment_score":-0.08272793143987656},{"text":"Yep.","start":1218.99,"end":1219.49,"sentiment":"neutral","sentiment_score":0.03172338008880615},{"text":"Yep.","start":1222.4299,"end":1222.75,"sentiment":"neutral","sentiment_score":0.19272813200950625},{"text":"Beautiful.","start":1222.75,"end":1223.25,"sentiment":"positive","sentiment_score":0.42933642864227295}],"sentiment":"neutral","sentiment_score":0.10782431811094284,"num_words":8,"start":1206.095,"end":1223.25},{"sentences":[{"text":"So realistically using because you are 56 this year, it gives you about nine years until your retirement aspect there.","start":1223.39,"end":1229.95,"sentiment":"neutral","sentiment_score":0.1546333845704794},{"text":"So we are kind of reducing the years a little bit, which is good.","start":1229.95,"end":1233.365,"sentiment":"neutral","sentiment_score":0.2579507513770035},{"text":"The when you sort of think about risk in your portfolio, do you kind of feel like you're comfortable taking on a higher level of risk in order to get those greater returns knowing that in a down period or at times where you are feeling uncertain and the markets are, you know, going up and down quite drastically like this year, that you can see those dips and feel those dips.","start":1234.225,"end":1254.83,"sentiment":"neutral","sentiment_score":-0.0545211693065034},{"text":"Or did you wanna take a bit more of a conservative approach that, you know, be a little bit more in the middle medium sort of range?","start":1254.83,"end":1261.155,"sentiment":"neutral","sentiment_score":0.025285016745328903},{"text":"How do you feel about the risk level?","start":1261.155,"end":1263.5751,"sentiment":"neutral","sentiment_score":-0.006847020238637924}],"sentiment":"neutral","sentiment_score":0.024158675963362904,"num_words":141,"start":1223.39,"end":1263.5751},{"sentences":[{"text":"Yep.","start":1271.0901,"end":1271.5901,"sentiment":"neutral","sentiment_score":0.006391884293407202},{"text":"Is yeah.","start":1274.2101,"end":1276.0701,"sentiment":"neutral","sentiment_score":-0.07632767409086227},{"text":"Do you feel like at at your age and your staging with what's happening in the market?","start":1276.29,"end":1280.4501,"sentiment":"neutral","sentiment_score":-0.09799694006933886},{"text":"Because you sort of are feeling a little bit unsure at the moment.","start":1280.4501,"end":1283.1849,"sentiment":"neutral","sentiment_score":-0.23574324525319612},{"text":"You'd more wanna be in that middle sort of range taking on a moderate amount of risk, you know, out of if you think of risk out of a number between one and five, five being the highest level of risk and one being sort of the lowest where all the money is sitting in cash and you're not really getting any returns.","start":1283.1849,"end":1298.4401,"sentiment":"neutral","sentiment_score":-0.10458298908576133}],"sentiment":"neutral","sentiment_score":-0.11943335360168324,"num_words":96,"start":1271.0901,"end":1298.4401},{"sentences":[{"text":"So it's where do you think sort of see yourself?","start":1298.4401,"end":1300.92,"sentiment":"neutral","sentiment_score":0.029165730625391007},{"text":"Would you be more of a one, two, three, four, five, four?","start":1300.92,"end":1304.54,"sentiment":"neutral","sentiment_score":0.017511488093684118},{"text":"Where do you think?","start":1304.6001,"end":1305.5801,"sentiment":"neutral","sentiment_score":-0.03858201764523983},{"text":"Mhmm.","start":1319.0951,"end":1319.5951,"sentiment":"neutral","sentiment_score":-0.1372884213924408},{"text":"That's okay.","start":1322.3899,"end":1323.21,"sentiment":"neutral","sentiment_score":-0.2629843205213547}],"sentiment":"neutral","sentiment_score":-0.010889309297861725,"num_words":29,"start":1298.4401,"end":1323.21},{"sentences":[{"text":"That's okay.","start":1324.71,"end":1324.9232,"sentiment":"negative","sentiment_score":-0.4510548412799835},{"text":"That's okay.","start":1324.9232,"end":1325.5299,"sentiment":"neutral","sentiment_score":-0.09633220173418523},{"text":"That's okay.","start":1325.9099,"end":1326.5499,"sentiment":"neutral","sentiment_score":0.16590584069490433},{"text":"It's good to have these conversations to talk it out because they're not easy questions to ask.","start":1326.5499,"end":1330.8099,"sentiment":"positive","sentiment_score":0.35618552653228536},{"text":"To give you a really good kind of idea with your growth portfolio at the moment, you're at sort of sitting at a three.","start":1331.75,"end":1338.045,"sentiment":"positive","sentiment_score":0.43663826026022434}],"sentiment":"positive","sentiment_score":0.3355640381416108,"num_words":47,"start":1324.71,"end":1338.045},{"sentences":[{"text":"So you are in that medium range.","start":1338.125,"end":1339.885,"sentiment":"neutral","sentiment_score":0.2372442398752485},{"text":"And the way our portfolios are structured, we start with aggressive, which is all a 100% inequities.","start":1339.885,"end":1344.865,"sentiment":"neutral","sentiment_score":0.2426756905282245},{"text":"There's no defensive investments.","start":1345.0851,"end":1346.785,"sentiment":"neutral","sentiment_score":0.09319902025163174},{"text":"Then we go high growth, then it's growth, which is you where you're sort of sitting at the moment.","start":1347.245,"end":1351.7251,"sentiment":"neutral","sentiment_score":0.20701731192438225},{"text":"It's an eighty twenty split.","start":1351.7251,"end":1353.33,"sentiment":"neutral","sentiment_score":0.16769160628318786}],"sentiment":"neutral","sentiment_score":0.21020729725177473,"num_words":52,"start":1338.125,"end":1353.33},{"sentences":[{"text":"80% of those growth investments, they're the ones like international shares, Australian shares, listed property, and commodities like gold and silver.","start":1354.0499,"end":1361.51,"sentiment":"neutral","sentiment_score":0.21028619791780198},{"text":"That's where you get a lot of growth from, but it's also the investments that you see go up and down.","start":1361.73,"end":1366.2899,"sentiment":"neutral","sentiment_score":0.15000518553313755},{"text":"So when you're looking at the news and it's telling you that, you know, a million dollars is wiped off the market, it's because those sorts of investors have taken a bit of a dip in that one day, and that's where that sort of fear comes from.","start":1366.2899,"end":1378.105,"sentiment":"neutral","sentiment_score":-0.23877065357131264},{"text":"That kinda also has a 20% invested in defensive assets.","start":1378.965,"end":1383.205,"sentiment":"neutral","sentiment_score":-0.0650054607540369},{"text":"So thinking things like cash, bonds, and fixed interest.","start":1383.205,"end":1386.0,"sentiment":"neutral","sentiment_score":0.09266868233680725}],"sentiment":"neutral","sentiment_score":-0.03404503472901266,"num_words":109,"start":1354.0499,"end":1386.0},{"sentences":[{"text":"They are seen as lower risk.","start":1386.0,"end":1387.62,"sentiment":"neutral","sentiment_score":0.20130046208699545},{"text":"They tend to get a lower rate of return over the longer term as well.","start":1387.76,"end":1391.2999,"sentiment":"neutral","sentiment_score":0.2472118020057678},{"text":"But they're really good for having, you know, cash in they're good for lower risk and cash.","start":1391.6,"end":1397.805,"sentiment":"positive","sentiment_score":0.37263068381477804},{"text":"I'm trying to think of a income payments coming out.","start":1397.885,"end":1400.3651,"sentiment":"neutral","sentiment_score":0.0648486364632845},{"text":"Sorry.","start":1400.3651,"end":1400.685,"sentiment":"neutral","sentiment_score":-0.1616351455450058}],"sentiment":"neutral","sentiment_score":0.23954189074586849,"num_words":49,"start":1386.0,"end":1400.685},{"sentences":[{"text":"I'm having a major mental blank.","start":1400.685,"end":1402.385,"sentiment":"neutral","sentiment_score":-0.31846315165360767},{"text":"Income payments coming out.","start":1402.765,"end":1404.125,"sentiment":"neutral","sentiment_score":-0.19039375334978104},{"text":"So when you think about bonds and fixed interest in term deposits and things, those sorts of investments do pay regular intervals of income, and that gets reinvested back into your portfolio, and that helps with compounding effect as well.","start":1404.125,"end":1417.03,"sentiment":"neutral","sentiment_score":0.13481712732464074},{"text":"So having a mix of the two, the growth and defensive for the high risk and low risk investments is important.","start":1417.03,"end":1422.89,"sentiment":"neutral","sentiment_score":0.2677564812558038},{"text":"And even when you get into retirement, we still wanna have a mix of those.","start":1423.265,"end":1426.9451,"sentiment":"neutral","sentiment_score":0.21140289107958476}],"sentiment":"neutral","sentiment_score":0.13388675165384314,"num_words":86,"start":1400.685,"end":1426.9451},{"sentences":[{"text":"It's just what kind of a mix need it needs to be in your comfort level as well.","start":1426.9451,"end":1431.505,"sentiment":"neutral","sentiment_score":0.1897408233748542},{"text":"So, I mean, the way you are at the moment, that growth environment still suits someone who has about six years before accessing their super.","start":1431.505,"end":1439.2,"sentiment":"neutral","sentiment_score":0.20232401847839354},{"text":"So you do fit within that within nine year time horizon.","start":1439.2,"end":1442.0199,"sentiment":"positive","sentiment_score":0.39129516888748517},{"text":"We're tracking around about a seven to 9% return on a yearly basis there.","start":1443.2799,"end":1447.7799,"sentiment":"positive","sentiment_score":0.34697206637689043},{"text":"And when you think of the volatility, we look at it when we look at the ups and downs that can be expected as a portfolio, we can expect on that seven to 9% at a good year, an extra 11% return could occur, or in a bad year, from that 7%, it drops 11% more than that.","start":1447.84,"end":1465.95,"sentiment":"neutral","sentiment_score":-0.009905219142293108}],"sentiment":"neutral","sentiment_score":0.13540308221819855,"num_words":126,"start":1426.9451,"end":1465.95},{"sentences":[{"text":"So it kinda shows us the range that we're sort of expecting.","start":1465.95,"end":1468.69,"sentiment":"neutral","sentiment_score":0.11122299544513226},{"text":"And to sort of see the difference, an aggressive portfolio, you're sort of averaging about 11 to 13% return.","start":1469.5499,"end":1476.45,"sentiment":"neutral","sentiment_score":0.13082880173858843},{"text":"But volatility wise, in a good year, on top of that 13%, you could also get an extra 18%.","start":1476.51,"end":1482.515,"sentiment":"neutral","sentiment_score":0.09469153594813849},{"text":"But then from the in a bad year, from the 11%, it could also drop by the 18% as well.","start":1482.735,"end":1488.895,"sentiment":"neutral","sentiment_score":-0.3216080768033862},{"text":"So you can sort of see taking on more risk, you get greater returns, but the downside is also larger.","start":1488.895,"end":1495.89,"sentiment":"neutral","sentiment_score":-0.11031208261847496}],"sentiment":"neutral","sentiment_score":-0.033542675856086945,"num_words":90,"start":1465.95,"end":1495.89},{"sentences":[{"text":"And where you are at the moment is more in the middle.","start":1496.1901,"end":1498.8301,"sentiment":"neutral","sentiment_score":-0.1287038680166006},{"text":"You're sort of sitting in that medium range, about a three out of five when you think about the risk scale.","start":1498.8301,"end":1503.9451,"sentiment":"neutral","sentiment_score":-0.08398914638729323},{"text":"And it it certainly suits where you're at if you wanna stay there for a little bit longer.","start":1504.645,"end":1509.0651,"sentiment":"neutral","sentiment_score":0.2605636670357651},{"text":"When you are about sort of five to six years out from accessing your your super, I would absolutely be telling you to pull back a little bit.","start":1509.525,"end":1517.2051,"sentiment":"neutral","sentiment_score":-0.01732061058282852},{"text":"Let's start reducing it fast, dropping things at a 10% rate each year, and then just sort of gradually decrease in the risk level.","start":1517.2051,"end":1524.74,"sentiment":"neutral","sentiment_score":0.043712740764021873}],"sentiment":"neutral","sentiment_score":0.018893749498337217,"num_words":103,"start":1496.1901,"end":1524.74},{"sentences":[{"text":"But if you're comfortable and wanna stay in that environment for one more year, you absolutely can.","start":1524.74,"end":1530.02,"sentiment":"positive","sentiment_score":0.37600546111078825},{"text":"There's nothing wrong with it.","start":1530.02,"end":1531.14,"sentiment":"neutral","sentiment_score":0.32936839759349823},{"text":"It still suits your time horizon.","start":1531.14,"end":1533.0,"sentiment":"positive","sentiment_score":0.4764248828093211},{"text":"It still suits your risk tolerance.","start":1533.5651,"end":1535.425,"sentiment":"neutral","sentiment_score":0.26599709937969845},{"text":"Yeah.","start":1535.9651,"end":1536.4651,"sentiment":"neutral","sentiment_score":0.24128422141075137}],"sentiment":"positive","sentiment_score":0.3638500268970217,"num_words":35,"start":1524.74,"end":1536.4651},{"sentences":[{"text":"Yep.","start":1537.885,"end":1538.385,"sentiment":"neutral","sentiment_score":0.027981210500001907},{"text":"Yep.","start":1542.125,"end":1542.625,"sentiment":"neutral","sentiment_score":0.004285803996026516},{"text":"Oh, man.","start":1545.5651,"end":1546.2051,"sentiment":"neutral","sentiment_score":-0.015589804388582706},{"text":"Yep.","start":1546.2051,"end":1546.7051,"sentiment":"neutral","sentiment_score":-0.0031436968129128218},{"text":"Yeah.","start":1551.1901,"end":1551.6901,"sentiment":"neutral","sentiment_score":-0.12353241443634032}],"sentiment":"neutral","sentiment_score":-0.02093145092173169,"num_words":6,"start":1537.885,"end":1551.6901},{"sentences":[{"text":"Absolutely.","start":1553.67,"end":1554.17,"sentiment":"neutral","sentiment_score":0.3270806670188904},{"text":"Yeah.","start":1557.11,"end":1557.61,"sentiment":"neutral","sentiment_score":0.11468567699193954},{"text":"Yeah.","start":1557.91,"end":1558.31,"sentiment":"neutral","sentiment_score":0.14003421366214752},{"text":"Absolutely.","start":1558.31,"end":1558.81,"sentiment":"neutral","sentiment_score":0.27886953949928284},{"text":"And I can look at other ways to reduce the risk level.","start":1559.11,"end":1562.085,"sentiment":"neutral","sentiment_score":0.13003683338562647}],"sentiment":"neutral","sentiment_score":0.15131950611248612,"num_words":16,"start":1553.67,"end":1562.085},{"sentences":[{"text":"So, like, if I remove the Bannalong from your portfolio, I can look at an investment that has more investments in it.","start":1562.085,"end":1568.405,"sentiment":"neutral","sentiment_score":0.10938385890966112},{"text":"So to give you a bit of an example, that Bannalong Australian Equities investment, they generally hold about 15 to 25 different investments depending on what they're invested in within their in that that investment class.","start":1568.405,"end":1580.66,"sentiment":"neutral","sentiment_score":0.08059165637112325},{"text":"I could look at removing that, put you in something a bit more passive, which is, you know, reducing risk as it is because it's just tracking a certain indices of the market.","start":1581.68,"end":1591.4451,"sentiment":"neutral","sentiment_score":0.1719124089136268},{"text":"But I could look at an investment to replace that.","start":1591.745,"end":1594.225,"sentiment":"neutral","sentiment_score":0.18409526199102402},{"text":"That gives you more access to investments.","start":1594.225,"end":1597.025,"sentiment":"neutral","sentiment_score":0.30419137861047474}],"sentiment":"neutral","sentiment_score":0.13843653971950212,"num_words":108,"start":1562.085,"end":1597.025},{"sentences":[{"text":"So instead of tracking, you know, 15 or 25 different investments, we might put you in something that has 200.","start":1597.025,"end":1602.805,"sentiment":"neutral","sentiment_score":0.2457050271332264},{"text":"So your money is spread over more investments, which gives you more diversification, which can help to lower the risk level of your portfolio as well.","start":1603.2101,"end":1611.77,"sentiment":"positive","sentiment_score":0.43627727834077984},{"text":"So even though you're in that growth environment, we can look to mitigate as much risk as possible in other ways.","start":1611.77,"end":1617.37,"sentiment":"neutral","sentiment_score":0.14876866127763475},{"text":"Does that make sense?","start":1617.37,"end":1618.5901,"sentiment":"neutral","sentiment_score":0.1566048450767994},{"text":"Yeah.","start":1619.975,"end":1620.475,"sentiment":"neutral","sentiment_score":0.06424257159233093}],"sentiment":"neutral","sentiment_score":0.2787793558090925,"num_words":72,"start":1597.025,"end":1620.475},{"sentences":[{"text":"Do you have questions?","start":1620.5349,"end":1621.575,"sentiment":"neutral","sentiment_score":0.0077170999720692635},{"text":"Because I know it's a lot, and I'm so sorry.","start":1621.575,"end":1623.495,"sentiment":"neutral","sentiment_score":-0.09178615063428879},{"text":"But do you have any questions that come out of that?","start":1623.495,"end":1625.835,"sentiment":"neutral","sentiment_score":-0.08407386527820067},{"text":"Yeah.","start":1630.375,"end":1630.875,"sentiment":"neutral","sentiment_score":-0.06606169790029526},{"text":"Yeah.","start":1631.1749,"end":1631.6749,"sentiment":"neutral","sentiment_score":-0.09591075032949448}],"sentiment":"neutral","sentiment_score":-0.07310289158313363,"num_words":27,"start":1620.5349,"end":1631.6749},{"sentences":[{"text":"Absolutely.","start":1642.06,"end":1642.56,"sentiment":"positive","sentiment_score":0.5366621613502502},{"text":"Yeah.","start":1643.18,"end":1643.5801,"sentiment":"positive","sentiment_score":0.3336419463157654},{"text":"Definitely.","start":1643.5801,"end":1644.0801,"sentiment":"positive","sentiment_score":0.36795347929000854},{"text":"No.","start":1644.5951,"end":1644.8351,"sentiment":"neutral","sentiment_score":0.12204103171825408},{"text":"That's absolutely fine.","start":1644.8351,"end":1645.875,"sentiment":"neutral","sentiment_score":0.2550464669863383}],"sentiment":"neutral","sentiment_score":0.30363400280475616,"num_words":7,"start":1642.06,"end":1645.875},{"sentences":[{"text":"So what we'll do, if you like, is I can look at the growth portfolio.","start":1645.875,"end":1648.6951,"sentiment":"neutral","sentiment_score":0.11485616515080134},{"text":"I'll look at adjusting your super, look at, you know, making sure MLC is working properly.","start":1649.155,"end":1654.1951,"sentiment":"neutral","sentiment_score":0.07643074239604175},{"text":"We'll move some money into hub as well and do a rollover.","start":1654.1951,"end":1657.015,"sentiment":"neutral","sentiment_score":0.10087480830649535},{"text":"We'll retain your insurances as they are, and then we can also make sure that in the next six months, so that'd be around about December, we then check-in.","start":1657.7899,"end":1666.61,"sentiment":"neutral","sentiment_score":0.13350086453659782},{"text":"I do a bit of a catch up with you just before the Christmas break because that's when all of Michael's stuff will also be happening.","start":1666.6699,"end":1672.985,"sentiment":"neutral","sentiment_score":0.08629479861030212}],"sentiment":"neutral","sentiment_score":0.10481042745618188,"num_words":98,"start":1645.875,"end":1672.985},{"sentences":[{"text":"So we'll have a checkup before the Christmas break, and then we'll come back early next year, and we'll do an advice piece for both of you and reassess everything.","start":1673.205,"end":1682.325,"sentiment":"neutral","sentiment_score":0.12771759753425915},{"text":"Does that sound okay?","start":1682.325,"end":1683.5449,"sentiment":"neutral","sentiment_score":0.13221224024891853},{"text":"Yep.","start":1683.9249,"end":1684.35,"sentiment":"positive","sentiment_score":0.4225503206253052},{"text":"Yep.","start":1690.4299,"end":1690.9299,"sentiment":"neutral","sentiment_score":0.08463634550571442},{"text":"Yep.","start":1693.07,"end":1693.57,"sentiment":"neutral","sentiment_score":0.09945230931043623}],"sentiment":"neutral","sentiment_score":0.13424367195851095,"num_words":37,"start":1673.205,"end":1693.57},{"sentences":[{"text":"Yeah.","start":1696.525,"end":1696.845,"sentiment":"neutral","sentiment_score":0.2464282512664795},{"text":"Absolutely.","start":1696.845,"end":1697.345,"sentiment":"positive","sentiment_score":0.4511696696281433},{"text":"Beautiful.","start":1697.965,"end":1698.465,"sentiment":"positive","sentiment_score":0.5555104613304138},{"text":"Oh, absolutely.","start":1706.525,"end":1707.585,"sentiment":"neutral","sentiment_score":0.10971201211214066},{"text":"So the way it used to be was you'd be putting, you know, your employer's putting in a a larger chunk of money sort of once every month or every three months depending on how they did it.","start":1708.045,"end":1718.04,"sentiment":"neutral","sentiment_score":0.01913734040174045}],"sentiment":"neutral","sentiment_score":0.05115700794687105,"num_words":43,"start":1696.525,"end":1718.04},{"sentences":[{"text":"But now with the payday deposits for your contributions, you'll have smaller amounts of money going in more regularly.","start":1718.1,"end":1726.005,"sentiment":"neutral","sentiment_score":0.07720048784425385},{"text":"So that way, you're really dollar cost averaging, which means smaller amounts of money gets distributed across your portfolio.","start":1726.005,"end":1732.4249,"sentiment":"neutral","sentiment_score":0.13138886697982488},{"text":"So you really get to take advantage of the downtimes and the uptimes as well, and that can have a much greater effect for your super.","start":1732.485,"end":1739.75,"sentiment":"neutral","sentiment_score":-0.10227791746505178},{"text":"Absolutely.","start":1739.75,"end":1740.25,"sentiment":"neutral","sentiment_score":-0.018488440662622452},{"text":"Yeah.","start":1740.87,"end":1741.37,"sentiment":"neutral","sentiment_score":-0.17427697777748108}],"sentiment":"neutral","sentiment_score":0.016836461653424936,"num_words":66,"start":1718.1,"end":1741.37},{"sentences":[{"text":"Fantastic.","start":1743.1901,"end":1743.6901,"sentiment":"positive","sentiment_score":0.48012250661849976},{"text":"Excellent.","start":1744.2301,"end":1744.7301,"sentiment":"positive","sentiment_score":0.4995962381362915},{"text":"Well, I've got a really good idea of what I wanna do.","start":1744.79,"end":1746.9501,"sentiment":"positive","sentiment_score":0.38967766364415485},{"text":"I've got some really good investments to look at replacing that for you with.","start":1746.9501,"end":1750.365,"sentiment":"positive","sentiment_score":0.38387610231127056},{"text":"I'll just go back and do a little bit of research there.","start":1750.845,"end":1753.565,"sentiment":"neutral","sentiment_score":0.22075815871357918}],"sentiment":"positive","sentiment_score":0.3419803511351347,"num_words":40,"start":1743.1901,"end":1753.565},{"sentences":[{"text":"My team will give you a call in a couple of weeks just to rebook you back in, and we'll go through the advice piece together.","start":1753.565,"end":1758.545,"sentiment":"neutral","sentiment_score":0.21795685360064873},{"text":"We can do it over the phone in person.","start":1758.925,"end":1760.525,"sentiment":"neutral","sentiment_score":0.1988087428940667},{"text":"Whatever you're comfortable with, I'll make it work, And we'll then we'll come back in six months and do another review with you, and then we'll do another advice piece early next year for the two of you and kind of look at where we're tracking down even further.","start":1760.525,"end":1774.71,"sentiment":"neutral","sentiment_score":0.18785685163979626},{"text":"Okay?","start":1775.01,"end":1775.51,"sentiment":"neutral","sentiment_score":0.08426547050476074},{"text":"Yep.","start":1776.505,"end":1777.005,"sentiment":"neutral","sentiment_score":0.030739080160856247}],"sentiment":"neutral","sentiment_score":0.1950714786125477,"num_words":86,"start":1753.565,"end":1777.005},{"sentences":[{"text":"Yeah.","start":1778.025,"end":1778.525,"sentiment":"neutral","sentiment_score":0.0016906596720218658},{"text":"Yes.","start":1781.625,"end":1782.125,"sentiment":"neutral","sentiment_score":0.041197240352630615},{"text":"Yes.","start":1782.1849,"end":1782.665,"sentiment":"neutral","sentiment_score":0.0569424033164978},{"text":"Yeah.","start":1782.665,"end":1782.985,"sentiment":"neutral","sentiment_score":0.0995866060256958},{"text":"So my team has just finished all the research for that 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okay.","start":1856.4349,"end":1857.255,"sentiment":"neutral","sentiment_score":0.2146519273519516}],"sentiment":"neutral","sentiment_score":0.08761880546808243,"num_words":6,"start":1830.375,"end":1857.255},{"sentences":[{"text":"What sort of amount would you be comfortable with do you think to buy a property if that sort of opportunity came up?","start":1857.315,"end":1862.995,"sentiment":"neutral","sentiment_score":0.041469828023210815},{"text":"Do you have sort of a a a top and bottom amount you'd be comfortable with?","start":1862.995,"end":1867.02,"sentiment":"neutral","sentiment_score":0.01583000144455582},{"text":"Maximum minimum 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shortly.","start":2069.225,"end":2072.0452,"sentiment":"neutral","sentiment_score":0.15425875496405822},{"text":"Easy.","start":2072.665,"end":2073.165,"sentiment":"positive","sentiment_score":0.41575032472610474},{"text":"Yep.","start":2074.2,"end":2074.44,"sentiment":"positive","sentiment_score":0.3821840286254883}],"sentiment":"neutral","sentiment_score":0.14404561854898928,"num_words":30,"start":2065.385,"end":2074.44},{"sentences":[{"text":"That's okay.","start":2074.44,"end":2075.42,"sentiment":"neutral","sentiment_score":0.2678661122918129},{"text":"And beneficiary wise on your life insurance as well as your super, I'm just double checking the two.","start":2075.48,"end":2082.44,"sentiment":"neutral","sentiment_score":0.13001608186297947},{"text":"So I've got here on your hub 24 super, you wanted it's a binding lapsing nomination, so that means it does need to be updated every three years, and the next time is in 2027.","start":2082.44,"end":2094.375,"sentiment":"neutral","sentiment_score":0.07070480680891446},{"text":"But you had 25% to Demi, 25% to Lachlan, so 50% to your children, 25% each, and then the other 50% to Michael.","start":2094.8352,"end":2104.4,"sentiment":"neutral","sentiment_score":0.03011850510602412},{"text":"Is that right?","start":2104.4,"end":2105.38,"sentiment":"neutral","sentiment_score":0.044046382109324135}],"sentiment":"neutral","sentiment_score":0.07624141605179986,"num_words":81,"start":2074.44,"end":2105.38},{"sentences":[{"text":"Yep.","start":2107.76,"end":2108.26,"sentiment":"neutral","sentiment_score":0.011666144244372845},{"text":"Yeah.","start":2111.44,"end":2111.76,"sentiment":"neutral","sentiment_score":0.01836508885025978},{"text":"I think one of the big things to sort of point out with the are they over 18?","start":2111.76,"end":2119.255,"sentiment":"neutral","sentiment_score":-0.005268716253340244},{"text":"Are they technically financial dependent?","start":2119.255,"end":2121.275,"sentiment":"neutral","sentiment_score":-0.015938205644488335},{"text":"They are?","start":2123.9749,"end":2124.635,"sentiment":"neutral","sentiment_score":-0.006534907501190901}],"sentiment":"neutral","sentiment_score":-0.005835796395937602,"num_words":27,"start":2107.76,"end":2124.635},{"sentences":[{"text":"Yeah.","start":2132.6301,"end":2133.1301,"sentiment":"neutral","sentiment_score":0.01575222611427307},{"text":"Yep.","start":2133.83,"end":2134.33,"sentiment":"neutral","sentiment_score":0.019074661657214165},{"text":"No.","start":2134.3901,"end":2134.6301,"sentiment":"neutral","sentiment_score":-0.04767123609781265},{"text":"That's okay.","start":2134.6301,"end":2135.45,"sentiment":"neutral","sentiment_score":-0.029487261548638344},{"text":"Yeah.","start":2137.27,"end":2137.77,"sentiment":"neutral","sentiment_score":0.006498906761407852}],"sentiment":"neutral","sentiment_score":-0.010886660777032375,"num_words":6,"start":2132.6301,"end":2137.77},{"sentences":[{"text":"That's okay.","start":2139.765,"end":2140.505,"sentiment":"neutral","sentiment_score":0.018927985802292824},{"text":"Yeah.","start":2142.165,"end":2142.645,"sentiment":"neutral","sentiment_score":0.11333054304122923},{"text":"Absolutely fine.","start":2142.645,"end":2143.525,"sentiment":"neutral","sentiment_score":0.1632562316954136},{"text":"Happy to keep it as is for you for now, and we'll just adjust that as we need to.","start":2143.525,"end":2147.525,"sentiment":"positive","sentiment_score":0.43651544420342697},{"text":"We we can always have that sort of in-depth conversation when we come back next year and reassess everything together jointly and talk about what that looks like for you both.","start":2147.525,"end":2156.27,"sentiment":"neutral","sentiment_score":0.1591238630635123}],"sentiment":"neutral","sentiment_score":0.2491696758703752,"num_words":55,"start":2139.765,"end":2156.27},{"sentences":[{"text":"With the MLC, we've got the same thing there.","start":2156.8901,"end":2159.2102,"sentiment":"neutral","sentiment_score":0.15047389103306663},{"text":"So Demi, Laughlin, and Michael, you're happy with those percentages for the MLC policy as well?","start":2159.2102,"end":2164.9702,"sentiment":"neutral","sentiment_score":0.2140648947097361},{"text":"Yep.","start":2164.9702,"end":2165.4702,"sentiment":"neutral","sentiment_score":0.1446138620376587},{"text":"Beautiful.","start":2165.53,"end":2166.03,"sentiment":"positive","sentiment_score":0.7269461154937744},{"text":"Excellent.","start":2167.235,"end":2167.735,"sentiment":"positive","sentiment_score":0.7402653694152832}],"sentiment":"neutral","sentiment_score":0.22825459577143192,"num_words":28,"start":2156.8901,"end":2167.735},{"sentences":[{"text":"In the DocuSign, you'll have your ongoing service agreement there as well.","start":2168.595,"end":2172.195,"sentiment":"neutral","sentiment_score":0.32764986902475357},{"text":"So you both do pay us an ongoing service fee.","start":2172.195,"end":2174.595,"sentiment":"neutral","sentiment_score":0.1896503433585167},{"text":"It's 1.10% because we both so we have you both on board looking after both of you.","start":2174.595,"end":2180.3699,"sentiment":"neutral","sentiment_score":0.3277929986224455},{"text":"And I do sort of like this agent stage because once having both of you here as clients means we can do that joint advice.","start":2180.3699,"end":2186.95,"sentiment":"neutral","sentiment_score":0.3017505204677582},{"text":"One of the biggest things as we get closer to actually accessing super looking at, you know, in that nine year period and when we get to looking at Centrelink eligibility and things like that, taking all of your circumstances and both your super balances does work.","start":2187.25,"end":2200.5452,"sentiment":"neutral","sentiment_score":0.21320153661864868}],"sentiment":"neutral","sentiment_score":0.2609461087498579,"num_words":111,"start":2168.595,"end":2200.5452},{"sentences":[{"text":"So it's really great to be able to do that advice piece together and really sort of note out what's happening as a family for you guys.","start":2200.5452,"end":2207.01,"sentiment":"positive","sentiment_score":0.5958599238483994},{"text":"So I get a bit excited about that.","start":2207.01,"end":2209.6501,"sentiment":"neutral","sentiment_score":0.2760954163968563},{"text":"Sorry.","start":2209.6501,"end":2210.1501,"sentiment":"neutral","sentiment_score":0.07268627732992172},{"text":"Yeah.","start":2212.61,"end":2212.85,"sentiment":"neutral","sentiment_score":0.10265421867370604},{"text":"Let's have a look at that DocuSign.","start":2212.85,"end":2214.31,"sentiment":"neutral","sentiment_score":0.09634352794715337}],"sentiment":"positive","sentiment_score":0.4351528742435304,"num_words":44,"start":2200.5452,"end":2214.31},{"sentences":[{"text":"If you find there's any questions, please let me know.","start":2214.45,"end":2216.87,"sentiment":"neutral","sentiment_score":0.09308929741382599},{"text":"Yeah.","start":2217.1702,"end":2217.6702,"sentiment":"neutral","sentiment_score":0.07560490071773529},{"text":"Easy.","start":2219.105,"end":2219.605,"sentiment":"neutral","sentiment_score":0.1975473165512085},{"text":"Oh, congratulations.","start":2223.7449,"end":2225.045,"sentiment":"positive","sentiment_score":0.34242549538612366},{"text":"Yeah.","start":2226.305,"end":2226.805,"sentiment":"neutral","sentiment_score":0.060408350080251694}],"sentiment":"neutral","sentiment_score":0.12995363548398017,"num_words":15,"start":2214.45,"end":2226.805},{"sentences":[{"text":"Depending depending on what you wanted to do.","start":2239.36,"end":2243.235,"sentiment":"neutral","sentiment_score":0.014979487983509898},{"text":"So you can just start off with a bank account in your name.","start":2243.3152,"end":2246.5352,"sentiment":"neutral","sentiment_score":0.06848718541172835},{"text":"If you put it in the child's name directly, it does mean they have to get a tax file number.","start":2246.675,"end":2251.715,"sentiment":"neutral","sentiment_score":0.01276766718365252},{"text":"So bank accounts do work if you've only got a small amount of money.","start":2251.715,"end":2254.8552,"sentiment":"neutral","sentiment_score":0.03523775961782251},{"text":"Alternatively, if you guys wanted to invest something and have it working a lot more, we do have access to child builder bonds, and they're essentially an insurance product.","start":2255.235,"end":2264.81,"sentiment":"neutral","sentiment_score":0.09857478814906087}],"sentiment":"neutral","sentiment_score":0.05497047796268903,"num_words":84,"start":2239.36,"end":2264.81},{"sentences":[{"text":"So it's an an investment bond.","start":2264.81,"end":2267.1501,"sentiment":"neutral","sentiment_score":0.08260398358106613},{"text":"You start off with as little as a thousand dollars.","start":2267.61,"end":2269.93,"sentiment":"neutral","sentiment_score":0.0810933444648981},{"text":"And as long as you're putting regular amounts in sort of every month or every year, that money is held in trust in the bond for the child.","start":2269.93,"end":2278.585,"sentiment":"neutral","sentiment_score":0.0806953969544598},{"text":"And then when they meet a certain age, they can essentially as long as that bond's been held for ten years, they can actually receive that income completely tax free when that just get handed over to them.","start":2278.6448,"end":2292.54,"sentiment":"neutral","sentiment_score":0.07015364362221015},{"text":"It essentially goes into your name in trust four, but the child is the beneficiary of that bond.","start":2292.54,"end":2298.4749,"sentiment":"neutral","sentiment_score":0.06348002484689157}],"sentiment":"neutral","sentiment_score":0.07374507365748287,"num_words":100,"start":2264.81,"end":2298.4749},{"sentences":[{"text":"And, normally, you can hold it up to the age of 25, and then it gets vested or transferred to the child.","start":2298.4749,"end":2303.775,"sentiment":"neutral","sentiment_score":0.03363710328597914},{"text":"The benefit of these sorts of things is most investments, if you are putting money into them, you have to account for as part of your personal tax return.","start":2304.395,"end":2312.335,"sentiment":"neutral","sentiment_score":0.05843459583561996},{"text":"But these investment bonds with the structure they are, you don't.","start":2312.46,"end":2316.3,"sentiment":"neutral","sentiment_score":0.0013317574154246938},{"text":"Any income or any capital gains within the bond is all looked after in the actual bond itself.","start":2316.3,"end":2323.42,"sentiment":"neutral","sentiment_score":0.004476922512468364},{"text":"There's no, yeah, no consequences for your personal tax side of things.","start":2323.42,"end":2328.655,"sentiment":"neutral","sentiment_score":-0.005169399082660675}],"sentiment":"neutral","sentiment_score":0.02682413803615972,"num_words":92,"start":2298.4749,"end":2328.655},{"sentences":[{"text":"And the same thing, if it's if it's held for ten years and then vested to the child or transferred to the child, they can then be drawing income as a lump sum or regular income payments however they want, And it's all tax free for them, which is fantastic.","start":2328.715,"end":2343.75,"sentiment":"neutral","sentiment_score":0.1900167603045702},{"text":"It's a great little nest egg or a great little way of building, you know, future money for our grandchildren.","start":2343.89,"end":2349.5898,"sentiment":"positive","sentiment_score":0.3733415588736534},{"text":"Yeah.","start":2350.29,"end":2350.79,"sentiment":"neutral","sentiment_score":0.09428972005844116},{"text":"Yeah.","start":2356.5452,"end":2357.0452,"sentiment":"neutral","sentiment_score":0.017039118334650993},{"text":"Yeah.","start":2358.385,"end":2358.885,"sentiment":"neutral","sentiment_score":0.1273592710494995}],"sentiment":"neutral","sentiment_score":0.23570352468690645,"num_words":73,"start":2328.715,"end":2358.885},{"sentences":[{"text":"Yeah.","start":2361.345,"end":2361.845,"sentiment":"neutral","sentiment_score":0.06541915237903595},{"text":"Absolutely.","start":2362.0652,"end":2362.5652,"sentiment":"neutral","sentiment_score":0.14618314802646637},{"text":"Yeah.","start":2365.44,"end":2365.84,"sentiment":"neutral","sentiment_score":0.07843410968780518},{"text":"Absolutely.","start":2365.84,"end":2366.34,"sentiment":"neutral","sentiment_score":0.1096971109509468},{"text":"Yeah.","start":2367.68,"end":2368.08,"sentiment":"neutral","sentiment_score":0.0996837466955185}],"sentiment":"neutral","sentiment_score":0.09988345354795455,"num_words":5,"start":2361.345,"end":2368.08},{"sentences":[{"text":"No.","start":2368.08,"end":2368.48,"sentiment":"neutral","sentiment_score":0.08763118088245392},{"text":"Perfect.","start":2368.48,"end":2368.88,"sentiment":"positive","sentiment_score":0.4337680339813232},{"text":"Not a problem at all.","start":2368.88,"end":2369.68,"sentiment":"positive","sentiment_score":0.4966724157333374},{"text":"I love doing things like that.","start":2369.68,"end":2370.88,"sentiment":"positive","sentiment_score":0.7625341415405273},{"text":"I'll make that as a medium term goal for you.","start":2370.88,"end":2373.38,"sentiment":"positive","sentiment_score":0.5857533514499664}],"sentiment":"positive","sentiment_score":0.5842391155336214,"num_words":23,"start":2368.08,"end":2373.38},{"sentences":[{"text":"And, yeah, have a chat to Michael about those options.","start":2373.52,"end":2375.68,"sentiment":"neutral","sentiment_score":0.27039159536361695},{"text":"And when we meet in January and do the big joint advice case, then we'll kind of consider all those other options for you as well.","start":2375.68,"end":2383.175,"sentiment":"neutral","sentiment_score":0.21800092722360903},{"text":"I love it.","start":2383.175,"end":2383.9949,"sentiment":"positive","sentiment_score":0.7393703858057658},{"text":"Fantastic.","start":2385.175,"end":2385.675,"sentiment":"positive","sentiment_score":0.7387641072273254},{"text":"All good.","start":2386.2148,"end":2386.935,"sentiment":"positive","sentiment_score":0.7352879345417023}],"sentiment":"neutral","sentiment_score":0.30474740940900075,"num_words":42,"start":2373.52,"end":2386.935},{"sentences":[{"text":"Well, thank you.","start":2386.935,"end":2388.055,"sentiment":"positive","sentiment_score":0.6939243872960409},{"text":"My pleasure.","start":2388.055,"end":2388.6948,"sentiment":"positive","sentiment_score":0.7957736849784851},{"text":"You have a lovely night, Judith.","start":2388.6948,"end":2390.2148,"sentiment":"positive","sentiment_score":0.8181983331839243},{"text":"Thank you so much for your time.","start":2390.2148,"end":2391.755,"sentiment":"positive","sentiment_score":0.8372863956860134},{"text":"Easy.","start":2394.193,"end":2394.673,"sentiment":"positive","sentiment_score":0.3619743287563324}],"sentiment":"positive","sentiment_score":0.7792362962898455,"num_words":19,"start":2386.935,"end":2394.673},{"sentences":[{"text":"Thanks so much.","start":2394.673,"end":2395.633,"sentiment":"positive","sentiment_score":0.7518258690834045},{"text":"Will do.","start":2395.633,"end":2396.113,"sentiment":"positive","sentiment_score":0.5144406408071518},{"text":"See you later.","start":2396.113,"end":2396.933,"sentiment":"positive","sentiment_score":0.4399593373139699},{"text":"Bye.","start":2397.633,"end":2398.133,"sentiment":"neutral","sentiment_score":-0.10732248425483704}],"sentiment":"positive","sentiment_score":0.49965715739462113,"num_words":9,"start":2394.673,"end":2398.133}]}}]},{"alternatives":[{"transcript":"Leave a message. Hello? Sorry. Yes. Sorry. I had you in my pocket, and as I'm trying to pull you out, I must have put it on mute or something. Can you hear me? Yes. Cool. Yeah. Because I'm thinking I know. I'm I've got you in my hot pocket waiting, but yeah. Yes. Yeah. That's perfect. I'm just I'm just packing up. So I'll just lock the doors and I'll be out soon, but now it's all good. You can talk away. Yes. Certainly. Yep. Judith Louise Tozer, t o zed e r. And my my address has probably changed. I don't know that I've got the correct one. It was 2916 Gold Coast Highway, but it's we've moved since then. So I'm not sure if I updated. I might have updated on Hub 24, but not with you guys. Yep. Yep. Yeah. We yeah. That's right. I I know I know where I live now. 1203. 12 1203 slash hang on. 12 Endley Avenue, Service Paradise. Yep. Thank you. Oh, flat out. Like, it's just ridiculous. Like, property is meant to be you know, real estate is meant to be slowing down a bit, but I'm just I'm ready to chuck it in now. Unfortunately, it's not yeah. It's just not like, I'm just over being, you know, pulled and straight anyway, long story. Anyway, let's talk about my future. Yes. That's correct. Well, yeah, my look. I'm possibly going gonna be out priced, Like, you know, when we started this, I thought, oh, yeah. Around that time, blah blah blah. You know, looking at 67. Yeah. But I don't think we'll like, what my plan was to use my super when I retire or get you close enough to retiring to buy somewhere and have, you know, savings enough for to get through that little retirement bit. Yeah. But, unfortunately, I think with the way the market's going, yeah, I'll just be happy with anything. So but, yeah, still still, you know, like, I'm still comfortable, like, I'm because I drew did that big draw out. I am I'm paying extra. But I'm finally we are struggling a little bit. Michael's been not well, so he hasn't been getting his full income, you know, that. But at the moment, it's, you know, like, I'm getting it as a what do you call it? Not fringe benefit. What is it where you they draw it out before I pay tax? So we're sacrificing it. So yeah. So but that was just, like my plan was to do extra like, I'm paying, I think, $60 a week. Yeah. And that's was to pay back, you know, so within seven years to pay back the 70 that I took out. So Well, yes. It sorry. Definitely wants like, that's why we plan to do with Michael's is get out of debt. No no more loans. Get out a new car because we'll, you know, be down that road rather than have a loan for a new car. And then both of us, yeah, just, like, trying to get as much in as we can within yeah. Awesome. Yep. Yeah. Yep. Yes. Yeah. Yeah. Yep. Perfect. Yep. That sounds great. Yep. Yep. Yes. Yeah. Do you do you have an estimate? Like, say the pace I'm going at the moment or the, you know, the amount. What what would you estimate? Say it's 60 5. What would my balance be? Yep. Yeah. Yep. Yep. Yeah. Yes. That is. Yeah. Yeah. Okay. Yes. Yep. Yes. Yes. Yeah. Yeah. That'd be good. Yes. Yes. That does that does. Yes. Yep. Oh, okay. Yes. Yeah. Yes. That was one of my questions I was going to ask. You know, at what at what stage do you take money out of MLC and put it in? Yeah. So yep. Yeah. Yep. Yeah. That sounds good. Because yeah. Because that's because Marco doesn't have any of that, does he? Because he's too old now. So when we moved it yeah. Yep. Yep. Yep. Yes. No. Yep. Yeah. Yeah. I think I think so. Like, as long as like, as you said, we don't have a lot of debt. So as long as it would cover that and give him some some spending money to, you know, get set up somewhere else, he'd probably go home. So yeah. No. That would be okay. Yep. Yes. Yep. Yes. Yes. Yep. I'm just about to jump in a lift. So if I do lose you, I'll call you straight back, but I should be okay, I think. Yeah. Yep. Yeah. That would be fine. Yeah. It'd be better than nothing. So Yeah. Yep. Yeah. Look. At at this stage, yes. Only because I possibly like, there might be some transitioning when I change jobs in the new year and then, you know, if there's no there's no extra super going in, you know, my 60 dollars will be stopped, etcetera. So, yeah, we might review that even, you know, in twelve months time when, hopefully, we've got some savings and, you know, we're doing it that way. So yeah. But let's leave it for now. I can always call you up, can I? And, yeah. Yeah. Yeah. No. That's perfect. Cool. Alright. Yep. Yes. Yeah. Yep. That's on a nav one. There's another one I have. There's seven total is our credit cards. Yeah. Well, my mine is I have the one, but the nav one is. Yeah. No. They're both in my name. They're not actually mix any of mix, but he's gonna pay them out for me so we can be out of debt. Yes. That's correct. That's yes. Rent that. Yep. Yeah. No. That'll be plenty because we've downsized so we got rid of a heap of stuff so that would be plenty. No. Well, yeah, we got a tax cut, $5. It's not even enough to buy a loaf of bread. Yeah. No. About no. $73,500 now. Like, yeah, that's yeah. Unfortunately, I had to take well, I took a cut, but anyway Well, I'm yeah. No. That's another reason why I'm looking, yeah, somewhere else. But I'm leaving all that till the New Year to start afresh because we've got too much happening between now and Christmas. So yeah. Not not as much. Like, we still do our twenty seven fifty, but we had to use that, like, to move. So we use that to move. So that brought it down and, you know, and then with Michael not working for a few weeks last year, we sort of used that to cover his income. So we've got we're building it up again, but, yeah, our regular we used to put a $150 away every week. That's just I've I just did that pending. So at the moment, funds are looking about 2,000 savings, and then we started the we call it the $27.50 account because it's 20 $7.50 a day we transfer. And then, yeah, by twelve months' time, we have 10,000. So yeah. Yeah. Mhmm. Yeah. Well, it just that's it. Like, well, it used to be a takeaway meal or, you know, a a breakfast like, if we go out for breakfast, that's how much that costs. Well, more now, but yeah. So we just try and do it. We try and just do it daily. So that way, at least, we've got an emergency fund if we need it. Yeah. Yep. Yes. Yeah. Yeah. Going and motivated. Yeah. Yeah. That's good. No. I I try and teach my kids that too, but they don't listen to me anymore. So they're too old. So I will yes. That's or, you know, there's more you know, those days where you get you know, like, where you're free from working and having to pay things, I have good days. Yep. Yes. Yep. Yep. Look. I'm I'm just at the moment, I'm so unsure and every about everything. So yeah. Look. I I if you if you think it would benefit, yeah, I'd be happy to proceed. So but I just as I said, I've been trying you know, we sort of try and keep a little bit of you know, we don't have much knowledge of the stock market, etcetera, and all that things happening, but just so there's so much uncertainty at the moment. And there's more of the fact that I'm glad we've got you guys because there's so much information out there about everything, like, you know, from what food you can eat and what, you know, is good for you and what's not good for you. Like, it's just my brain hurts. Yeah. Yeah. Yep. Yeah. Let's let's try. Because my my plan would be, you know, like, for example, like, Michael to maybe, you know, go a bit part time and not work, you know, the nine to five slug sort of thing. So yeah. So let's try 65 and then yeah. Yeah. Yeah. I've I've been trying to think about this before your call, and I just I don't know. Like, I know higher outlay, you know, higher risk, but, yeah, I just I've just got no idea at the moment and just, like, yeah. I I'm sorry. I really don't know. Like, I'm so I'm just so I don't know. Like, if what if I do it for, you know, six months and then, you know, like, like, I know there's risk with everything, but, you know, I'm I don't know. I'm just so I just don't know. No. And Yeah. Yep. Okay. Yes. Yeah. Yes. Yeah. Yep. Yes. Me too. Yep. Yes. Yep. Yeah. No. Okay. Yes. Yep. Yeah. Yep. Yeah. Yeah. I I think I'll yeah. I'll stay where where I am. Only because just like I I could say that it has the growth and even with the, you know, that orange man overseas doing his stuff. Yeah. Like that, you know, that's a bit of a scare, but I know it's, you know, the up and down. So let's look. We can always I can always review view it again at another stage, can I? So, yeah, let's do that. Let's stick. Yeah. Yes. Yes. Yes. It does. No. No. No. Look. As I said to you, I just, like, I understand the the risk. You know, I'm at the medium and, like, I'm just, you know, I don't wanna do years worth of higher risk and then, you know, end up back step because I like, I understand. I'm still lucky enough to have a few more years. So yeah. Yep. Yeah. That'd be good. Yep. Yep. Yeah. Yeah. That sounds perfect. Because then I'll hopefully, I'll have a new job and I'll be able to work out, you know, if I can put more in or if 60 is still gonna $60 a week is still gonna be enough. Yeah. Because that that'll that'll be better. Yeah. Because it it should make it will it make a bit of a difference now that the the real time super transactions are happening from payroll? So yeah. Yeah. Three months. Yeah. Some of them. Yeah. Yeah. Yeah. No. That's not good. Not perfect. Yeah. Yep. Yes. So sorry. You said in a couple of weeks, you'll contact Michael about his? Yes. Yes. Perfect. Yep. No. That sounds great. No. Look. We'd like I said, holidays are supposed to be this year, but that is being put on the hold. So and, yeah, mine I'm just trying to build it so that when we are comfortable, we can you know, if something if a property comes up that we wanna buy and I'm at the age where I can draw some money out for super because we won't get a loan. We're too old now, and I don't want one. Yeah. Like, so if we do find a place, yeah, and the money's available, yeah, you know, within reason type thing or we're we're ready to find somewhere we wanna settle down, we might do that. And then same thing. The if we if we do take the big lump sum out of mine to purchase the property, then we're gonna just, like, go heavy with, you know, with yeah. Anyway, that's that's the plan. Well, looking yeah. Here, it's Service Paradise would be out of out so our price. That's just ridiculous. The prices now are makes my eyes water. But yeah. Look. We may not settle stay here. That's what we don't know yet. So that's why, you know, over the next ten, say, years, we'll be doing a couple of little trips up and down and see, you know, something if we find somewhere we like, then we might look into the market. But, yeah, we still got another at least, would you say, nine years nine years or so for me. So yeah. But yeah. My mine's to have as much money as I can when I can get to retirement so I can buy a place for us to actually, you know, not have to move and call home. So that's my plan. Not really, but I like, that's sorta gonna be a yeah. I worry about the same situation. I just I'd rather like, because we're here now. We have to move again, say, next year because this this unit's up for sale. So, you know, I I'm comfortable that we could both have, like, part time jobs or something and still be able to live comfortably as long as, you know, we weren't having to uproot every 12 months, two years type thing. So yeah. Yep. Yep. Yeah. Yeah. Well, that's that's the plan with drawing a lump sum from Michael's and then paying our debts so that instead of that money going to pay for debt, he can update his like, you know, pay more to his super and we can still live comfortably type situation. Yeah. Yes. Yep. No. I need to yeah. We're going to be doing that shortly. We we just had to have our injection for whooping cough. So yeah. We're yeah. But no. Definitely. That'll be something we'll be organizing, yeah, definitely soon. So have you yeah. Sorry. Do you have anyone you could recommend? Or yep. Yep. Alright. That's perfect. Thank you. Yeah. Yep. Yep. Yeah. That's correct for now. As I said, as we get closer to retirement, I will change that. So yep. Yes. They are both. It it was more it was more for something if something happened to me, then then, you know, at least they would be able to have a deposit for a house or something like that type of scenario. So that was why I've done it that way. But yeah. But anyway, we'll we'll look at that again in a year or two. Yeah. Yes. Yes. Yes. Yes. Yep. Yes. Yep. Yes. Yep. Yep. Yeah. No. That's fine. There was one thing I was gonna do. Like, we have a new grandchild coming in September, and I'd we already have one grandchild. So what is what is the best option now? They say if I wanted to put a little bit of money away for them for to buy a car when they turn, you know, 20 or something, what what would be the best option for that type of scenario now? Yep. Yep. Yep. Yep. Yep. Yeah. Okay. Yeah. Okay. Yes. Yeah. Okay. Yes. What? Actual bond itself. Yep. Yeah. Yeah. Yeah. Well, as I said, my my my grandmother did it for me. I think it was $5 when she sold the house. And, I mean, it wasn't much, but it was just something that I'd like to do for the grandchildren. So but anyway, we might talk about that in January if that's okay. We might like, I'll yeah. Yep. Yep. Yes. Yeah. No. That sounds great. Awesome. Thank you. I will. Okay. Thank you. Talk soon. 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a message. Hello? Sorry. Yes. Sorry.\n\nI had you in my pocket, and as I'm trying to pull you out, I must have put it on mute or something. Can you hear me? Yes. Cool. Yeah.\n\nBecause I'm thinking I know. I'm I've got you in my hot pocket waiting, but yeah. Yes. Yeah. That's perfect.\n\nI'm just I'm just packing up. So I'll just lock the doors and I'll be out soon, but now it's all good. You can talk away. Yes. Certainly.\n\nYep. Judith Louise Tozer, t o zed e r. And my my address has probably changed. I don't know that I've got the correct one. It was 2916 Gold Coast Highway, but it's we've moved since then.\n\nSo I'm not sure if I updated. I might have updated on Hub 24, but not with you guys. Yep. Yep. Yeah.\n\nWe yeah. That's right. I I know I know where I live now. 1203. 12 1203 slash hang on.\n\n12 Endley Avenue, Service Paradise. Yep. Thank you. Oh, flat out. Like, it's just ridiculous.\n\nLike, property is meant to be you know, real estate is meant to be slowing down a bit, but I'm just I'm ready to chuck it in now. Unfortunately, it's not yeah. It's just not like, I'm just over being, you know, pulled and straight anyway, long story. Anyway, let's talk about my future. Yes.\n\nThat's correct. Well, yeah, my look. I'm possibly going gonna be out priced, Like, you know, when we started this, I thought, oh, yeah. Around that time, blah blah blah. You know, looking at 67.\n\nYeah. But I don't think we'll like, what my plan was to use my super when I retire or get you close enough to retiring to buy somewhere and have, you know, savings enough for to get through that little retirement bit. Yeah. But, unfortunately, I think with the way the market's going, yeah, I'll just be happy with anything. So but, yeah, still still, you know, like, I'm still comfortable, like, I'm because I drew did that big draw out.\n\nI am I'm paying extra. But I'm finally we are struggling a little bit. Michael's been not well, so he hasn't been getting his full income, you know, that. But at the moment, it's, you know, like, I'm getting it as a what do you call it? Not fringe benefit.\n\nWhat is it where you they draw it out before I pay tax? So we're sacrificing it. So yeah. So but that was just, like my plan was to do extra like, I'm paying, I think, $60 a week. Yeah.\n\nAnd that's was to pay back, you know, so within seven years to pay back the 70 that I took out. So Well, yes. It sorry. Definitely wants like, that's why we plan to do with Michael's is get out of debt. No no more loans.\n\nGet out a new car because we'll, you know, be down that road rather than have a loan for a new car. And then both of us, yeah, just, like, trying to get as much in as we can within yeah. Awesome. Yep. Yeah.\n\nYep. Yes. Yeah. Yeah. Yep.\n\nPerfect. Yep. That sounds great. Yep. Yep.\n\nYes. Yeah. Do you do you have an estimate? Like, say the pace I'm going at the moment or the, you know, the amount. What what would you estimate?\n\nSay it's 60 5. What would my balance be? Yep. Yeah. Yep.\n\nYep. Yeah. Yes. That is. Yeah.\n\nYeah. Okay. Yes. Yep. Yes.\n\nYes. Yeah. Yeah. That'd be good. Yes.\n\nYes. That does that does. Yes. Yep. Oh, okay.\n\nYes. Yeah. Yes. That was one of my questions I was going to ask. You know, at what at what stage do you take money out of MLC and put it in?\n\nYeah. So yep. Yeah. Yep. Yeah.\n\nThat sounds good. Because yeah. Because that's because Marco doesn't have any of that, does he? Because he's too old now. So when we moved it yeah.\n\nYep. Yep. Yep. Yes. No.\n\nYep. Yeah. Yeah. I think I think so. Like, as long as like, as you said, we don't have a lot of debt.\n\nSo as long as it would cover that and give him some some spending money to, you know, get set up somewhere else, he'd probably go home. So yeah. No. That would be okay. Yep.\n\nYes. Yep. Yes. Yes. Yep.\n\nI'm just about to jump in a lift. So if I do lose you, I'll call you straight back, but I should be okay, I think. Yeah. Yep. Yeah.\n\nThat would be fine. Yeah. It'd be better than nothing. So Yeah. Yep.\n\nYeah. Look. At at this stage, yes. Only because I possibly like, there might be some transitioning when I change jobs in the new year and then, you know, if there's no there's no extra super going in, you know, my 60 dollars will be stopped, etcetera. So, yeah, we might review that even, you know, in twelve months time when, hopefully, we've got some savings and, you know, we're doing it that way.\n\nSo yeah. But let's leave it for now. I can always call you up, can I? And, yeah. Yeah.\n\nYeah. No. That's perfect. Cool. Alright.\n\nYep. Yes. Yeah. Yep. That's on a nav one.\n\nThere's another one I have. There's seven total is our credit cards. Yeah. Well, my mine is I have the one, but the nav one is. Yeah.\n\nNo. They're both in my name. They're not actually mix any of mix, but he's gonna pay them out for me so we can be out of debt. Yes. That's correct.\n\nThat's yes. Rent that. Yep. Yeah. No.\n\nThat'll be plenty because we've downsized so we got rid of a heap of stuff so that would be plenty. No. Well, yeah, we got a tax cut, $5. It's not even enough to buy a loaf of bread. Yeah.\n\nNo. About no. $73,500 now. Like, yeah, that's yeah. Unfortunately, I had to take well, I took a cut, but anyway Well, I'm yeah.\n\nNo. That's another reason why I'm looking, yeah, somewhere else. But I'm leaving all that till the New Year to start afresh because we've got too much happening between now and Christmas. So yeah. Not not as much.\n\nLike, we still do our twenty seven fifty, but we had to use that, like, to move. So we use that to move. So that brought it down and, you know, and then with Michael not working for a few weeks last year, we sort of used that to cover his income. So we've got we're building it up again, but, yeah, our regular we used to put a $150 away every week. That's just I've I just did that pending.\n\nSo at the moment, funds are looking about 2,000 savings, and then we started the we call it the $27.50 account because it's 20 $7.50 a day we transfer. And then, yeah, by twelve months' time, we have 10,000. So yeah. Yeah. Mhmm.\n\nYeah. Well, it just that's it. Like, well, it used to be a takeaway meal or, you know, a a breakfast like, if we go out for breakfast, that's how much that costs. Well, more now, but yeah. So we just try and do it.\n\nWe try and just do it daily. So that way, at least, we've got an emergency fund if we need it. Yeah. Yep. Yes.\n\nYeah. Yeah. Going and motivated. Yeah. Yeah.\n\nThat's good. No. I I try and teach my kids that too, but they don't listen to me anymore. So they're too old. So I will yes.\n\nThat's or, you know, there's more you know, those days where you get you know, like, where you're free from working and having to pay things, I have good days. Yep. Yes. Yep. Yep.\n\nLook. I'm I'm just at the moment, I'm so unsure and every about everything. So yeah. Look. I I if you if you think it would benefit, yeah, I'd be happy to proceed.\n\nSo but I just as I said, I've been trying you know, we sort of try and keep a little bit of you know, we don't have much knowledge of the stock market, etcetera, and all that things happening, but just so there's so much uncertainty at the moment. And there's more of the fact that I'm glad we've got you guys because there's so much information out there about everything, like, you know, from what food you can eat and what, you know, is good for you and what's not good for you. Like, it's just my brain hurts. Yeah. Yeah.\n\nYep. Yeah. Let's let's try. Because my my plan would be, you know, like, for example, like, Michael to maybe, you know, go a bit part time and not work, you know, the nine to five slug sort of thing. So yeah.\n\nSo let's try 65 and then yeah. Yeah. Yeah. I've I've been trying to think about this before your call, and I just I don't know. Like, I know higher outlay, you know, higher risk, but, yeah, I just I've just got no idea at the moment and just, like, yeah.\n\nI I'm sorry. I really don't know. Like, I'm so I'm just so I don't know. Like, if what if I do it for, you know, six months and then, you know, like, like, I know there's risk with everything, but, you know, I'm I don't know. I'm just so I just don't know.\n\nNo. And Yeah. Yep. Okay. Yes.\n\nYeah. Yes. Yeah. Yep. Yes.\n\nMe too. Yep. Yes. Yep. Yeah.\n\nNo. Okay. Yes. Yep. Yeah.\n\nYep. Yeah. Yeah. I I think I'll yeah. I'll stay where where I am.\n\nOnly because just like I I could say that it has the growth and even with the, you know, that orange man overseas doing his stuff. Yeah. Like that, you know, that's a bit of a scare, but I know it's, you know, the up and down. So let's look. We can always I can always review view it again at another stage, can I?\n\nSo, yeah, let's do that. Let's stick. Yeah. Yes. Yes.\n\nYes. It does. No. No. No.\n\nLook. As I said to you, I just, like, I understand the the risk. You know, I'm at the medium and, like, I'm just, you know, I don't wanna do years worth of higher risk and then, you know, end up back step because I like, I understand. I'm still lucky enough to have a few more years. So yeah.\n\nYep. Yeah. That'd be good. Yep. Yep.\n\nYeah. Yeah. That sounds perfect. Because then I'll hopefully, I'll have a new job and I'll be able to work out, you know, if I can put more in or if 60 is still gonna $60 a week is still gonna be enough. Yeah.\n\nBecause that that'll that'll be better. Yeah. Because it it should make it will it make a bit of a difference now that the the real time super transactions are happening from payroll? So yeah. Yeah.\n\nThree months. Yeah. Some of them. Yeah. Yeah.\n\nYeah. No. That's not good. Not perfect. Yeah.\n\nYep. Yes. So sorry. You said in a couple of weeks, you'll contact Michael about his? Yes.\n\nYes. Perfect. Yep. No. That sounds great.\n\nNo. Look. We'd like I said, holidays are supposed to be this year, but that is being put on the hold. So and, yeah, mine I'm just trying to build it so that when we are comfortable, we can you know, if something if a property comes up that we wanna buy and I'm at the age where I can draw some money out for super because we won't get a loan. We're too old now, and I don't want one.\n\nYeah. Like, so if we do find a place, yeah, and the money's available, yeah, you know, within reason type thing or we're we're ready to find somewhere we wanna settle down, we might do that. And then same thing. The if we if we do take the big lump sum out of mine to purchase the property, then we're gonna just, like, go heavy with, you know, with yeah. Anyway, that's that's the plan.\n\nWell, looking yeah. Here, it's Service Paradise would be out of out so our price. That's just ridiculous. The prices now are makes my eyes water. But yeah.\n\nLook. We may not settle stay here. That's what we don't know yet. So that's why, you know, over the next ten, say, years, we'll be doing a couple of little trips up and down and see, you know, something if we find somewhere we like, then we might look into the market. But, yeah, we still got another at least, would you say, nine years nine years or so for me.\n\nSo yeah. But yeah. My mine's to have as much money as I can when I can get to retirement so I can buy a place for us to actually, you know, not have to move and call home. So that's my plan. Not really, but I like, that's sorta gonna be a yeah.\n\nI worry about the same situation. I just I'd rather like, because we're here now. We have to move again, say, next year because this this unit's up for sale. So, you know, I I'm comfortable that we could both have, like, part time jobs or something and still be able to live comfortably as long as, you know, we weren't having to uproot every 12 months, two years type thing. So yeah.\n\nYep. Yep. Yeah. Yeah. Well, that's that's the plan with drawing a lump sum from Michael's and then paying our debts so that instead of that money going to pay for debt, he can update his like, you know, pay more to his super and we can still live comfortably type situation.\n\nYeah. Yes. Yep. No. I need to yeah.\n\nWe're going to be doing that shortly. We we just had to have our injection for whooping cough. So yeah. We're yeah. But no.\n\nDefinitely. That'll be something we'll be organizing, yeah, definitely soon. So have you yeah. Sorry. Do you have anyone you could recommend?\n\nOr yep. Yep. Alright. That's perfect. Thank you.\n\nYeah. Yep. Yep. Yeah. That's correct for now.\n\nAs I said, as we get closer to retirement, I will change that. So yep. Yes. They are both. It it was more it was more for something if something happened to me, then then, you know, at least they would be able to have a deposit for a house or something like that type of scenario.\n\nSo that was why I've done it that way. But yeah. But anyway, we'll we'll look at that again in a year or two. Yeah. Yes.\n\nYes. Yes. Yes. Yep. Yes.\n\nYep. Yes. Yep. Yep. Yeah.\n\nNo. That's fine. There was one thing I was gonna do. Like, we have a new grandchild coming in September, and I'd we already have one grandchild. So what is what is the best option now?\n\nThey say if I wanted to put a little bit of money away for them for to buy a car when they turn, you know, 20 or something, what what would be the best option for that type of scenario now? Yep. Yep. Yep. Yep.\n\nYep. Yeah. Okay. Yeah. Okay.\n\nYes. Yeah. Okay. Yes. What?\n\nActual bond itself. Yep. Yeah. Yeah. Yeah.\n\nWell, as I said, my my my grandmother did it for me. I think it was $5 when she sold the house. And, I mean, it wasn't much, but it was just something that I'd like to do for the grandchildren. So but anyway, we might talk about that in January if that's okay. We might like, I'll yeah.\n\nYep. Yep. Yes. Yeah. No.\n\nThat sounds great. Awesome. Thank you. I will. Okay.\n\nThank you. Talk soon. Bye.","paragraphs":[{"sentences":[{"text":"Leave a message.","start":0.39999998,"end":1.3,"sentiment":"neutral","sentiment_score":0.006424776278436184},{"text":"Hello?","start":16.135,"end":16.455,"sentiment":"neutral","sentiment_score":0.035240575671195984},{"text":"Sorry.","start":16.455,"end":16.955,"sentiment":"neutral","sentiment_score":-0.010257503017783163},{"text":"Yes.","start":18.695,"end":19.195,"sentiment":"neutral","sentiment_score":-0.01505778171122074},{"text":"Sorry.","start":19.335001,"end":19.655,"sentiment":"neutral","sentiment_score":-0.07437849044799805}],"sentiment":"neutral","sentiment_score":-0.006454124381499631,"num_words":7,"start":0.39999998,"end":19.655},{"sentences":[{"text":"I had you in my pocket, and as I'm trying to pull you out, I must have put it on mute or something.","start":19.655,"end":24.055,"sentiment":"neutral","sentiment_score":-0.10453057127154392},{"text":"Can you hear me?","start":24.055,"end":25.035,"sentiment":"neutral","sentiment_score":-0.03911119420081377},{"text":"Yes.","start":25.575,"end":26.075,"sentiment":"neutral","sentiment_score":0.030843930318951607},{"text":"Cool.","start":31.849998,"end":32.09,"sentiment":"neutral","sentiment_score":0.19868315756320953},{"text":"Yeah.","start":32.09,"end":32.329998,"sentiment":"neutral","sentiment_score":0.10979513078927994}],"sentiment":"neutral","sentiment_score":-0.07404418991257747,"num_words":30,"start":19.655,"end":32.329998},{"sentences":[{"text":"Because I'm thinking I know.","start":32.329998,"end":33.93,"sentiment":"neutral","sentiment_score":0.03248758539557457},{"text":"I'm I've got you in my hot pocket waiting, but yeah.","start":33.93,"end":37.399998,"sentiment":"neutral","sentiment_score":0.041930085556073624},{"text":"Yes.","start":45.875,"end":46.274998,"sentiment":"neutral","sentiment_score":0.2110598385334015},{"text":"Yeah.","start":46.274998,"end":46.594997,"sentiment":"neutral","sentiment_score":0.2633328437805176},{"text":"That's perfect.","start":46.594997,"end":47.394997,"sentiment":"positive","sentiment_score":0.46344366669654846}],"sentiment":"neutral","sentiment_score":0.10124744419008494,"num_words":20,"start":32.329998,"end":47.394997},{"sentences":[{"text":"I'm just I'm just packing up.","start":47.394997,"end":48.914997,"sentiment":"neutral","sentiment_score":0.22042842954397202},{"text":"So I'll just lock the doors and I'll be out soon, but now it's all good.","start":48.914997,"end":52.675,"sentiment":"neutral","sentiment_score":0.22139280196279287},{"text":"You can talk away.","start":52.675,"end":53.894997,"sentiment":"neutral","sentiment_score":0.21807445958256721},{"text":"Yes.","start":62.010002,"end":62.33,"sentiment":"neutral","sentiment_score":0.12215685099363328},{"text":"Certainly.","start":62.33,"end":62.83,"sentiment":"neutral","sentiment_score":0.1906203925609589}],"sentiment":"neutral","sentiment_score":0.21606894609119212,"num_words":28,"start":47.394997,"end":62.83},{"sentences":[{"text":"Yep.","start":70.73,"end":71.23,"sentiment":"neutral","sentiment_score":0.04546614736318588},{"text":"Judith Louise Tozer, t o zed e r.","start":71.45,"end":74.59,"sentiment":"neutral","sentiment_score":0.032892043236643076},{"text":"And my my address has probably changed.","start":75.455,"end":78.495,"sentiment":"neutral","sentiment_score":-0.04587504932922976},{"text":"I don't know that I've got the correct one.","start":78.495,"end":80.335,"sentiment":"neutral","sentiment_score":-0.03671031631529331},{"text":"It was 2916 Gold Coast Highway, but it's we've moved since then.","start":80.335,"end":89.375,"sentiment":"neutral","sentiment_score":-0.030533838473881286}],"sentiment":"neutral","sentiment_score":-0.019170858393851166,"num_words":37,"start":70.73,"end":89.375},{"sentences":[{"text":"So I'm not sure if I updated.","start":89.375,"end":91.8,"sentiment":"neutral","sentiment_score":-0.04805527999997139},{"text":"I might have updated on Hub 24, but not with you guys.","start":91.86,"end":95.880005,"sentiment":"neutral","sentiment_score":-0.006477965973317623},{"text":"Yep.","start":102.9,"end":103.4,"sentiment":"neutral","sentiment_score":0.04264885187149048},{"text":"Yep.","start":119.0,"end":119.5,"sentiment":"neutral","sentiment_score":0.050650741904973984},{"text":"Yeah.","start":124.04,"end":124.28,"sentiment":"neutral","sentiment_score":0.021932175382971764}],"sentiment":"neutral","sentiment_score":-0.013585944660007954,"num_words":22,"start":89.375,"end":124.28},{"sentences":[{"text":"We yeah.","start":124.28,"end":125.32,"sentiment":"neutral","sentiment_score":0.023950494825839996},{"text":"That's right.","start":125.32,"end":125.880005,"sentiment":"neutral","sentiment_score":0.08639748394489288},{"text":"I I know I know where I live now.","start":125.880005,"end":127.880005,"sentiment":"neutral","sentiment_score":0.025391597507728472},{"text":"1203.","start":127.880005,"end":129.1,"sentiment":"neutral","sentiment_score":0.01287025585770607},{"text":"12 1203 slash hang on.","start":130.36,"end":137.175,"sentiment":"neutral","sentiment_score":0.03198910616338253}],"sentiment":"neutral","sentiment_score":0.032738743251875826,"num_words":19,"start":124.28,"end":137.175},{"sentences":[{"text":"12 Endley Avenue, Service Paradise.","start":137.175,"end":139.515,"sentiment":"neutral","sentiment_score":0.03303610198199749},{"text":"Yep.","start":143.815,"end":144.315,"sentiment":"neutral","sentiment_score":0.08575569838285446},{"text":"Thank you.","start":148.59,"end":149.25,"sentiment":"positive","sentiment_score":0.6436083316802979},{"text":"Oh, flat out.","start":156.91,"end":157.79001,"sentiment":"neutral","sentiment_score":-0.07575544466574986},{"text":"Like, it's just ridiculous.","start":157.79001,"end":159.09,"sentiment":"neutral","sentiment_score":-0.16862793639302254}],"sentiment":"neutral","sentiment_score":0.04242498613893986,"num_words":15,"start":137.175,"end":159.09},{"sentences":[{"text":"Like, property is meant to be you know, real estate is meant to be slowing down a bit, but I'm just I'm ready to chuck it in now.","start":159.23001,"end":167.92499,"sentiment":"neutral","sentiment_score":-0.13328413106501102},{"text":"Unfortunately, it's not yeah.","start":167.92499,"end":170.805,"sentiment":"neutral","sentiment_score":-0.11849570460617542},{"text":"It's just not like, I'm just over being, you know, pulled and straight anyway, long story.","start":170.805,"end":178.25,"sentiment":"neutral","sentiment_score":-0.16455122968181968},{"text":"Anyway, let's talk about my future.","start":178.95001,"end":180.73001,"sentiment":"neutral","sentiment_score":-0.038797816882530846},{"text":"Yes.","start":186.87001,"end":187.35,"sentiment":"neutral","sentiment_score":0.009821249172091484}],"sentiment":"neutral","sentiment_score":-0.1283949784595858,"num_words":55,"start":159.23001,"end":187.35},{"sentences":[{"text":"That's correct.","start":187.35,"end":188.17001,"sentiment":"neutral","sentiment_score":0.02203206066042185},{"text":"Well, yeah, my look.","start":195.695,"end":199.13501,"sentiment":"neutral","sentiment_score":-0.014180309139192104},{"text":"I'm possibly going gonna be out priced, Like, you know, when we started this, I thought, oh, yeah.","start":199.13501,"end":205.23999,"sentiment":"neutral","sentiment_score":-0.05561416337473525},{"text":"Around that time, blah blah blah.","start":205.23999,"end":206.94,"sentiment":"neutral","sentiment_score":-0.05867345320681731},{"text":"You know, looking at 67.","start":207.16,"end":209.26,"sentiment":"neutral","sentiment_score":-0.03070002868771553}],"sentiment":"neutral","sentiment_score":-0.043407226247446876,"num_words":35,"start":187.35,"end":209.26},{"sentences":[{"text":"Yeah.","start":210.68,"end":211.0,"sentiment":"neutral","sentiment_score":-0.06060006096959114},{"text":"But I don't think we'll like, what my plan was to use my super when I retire or get you close enough to retiring to buy somewhere and have, you know, savings enough for to get through that little retirement bit.","start":211.0,"end":227.385,"sentiment":"neutral","sentiment_score":-0.03365799189522499},{"text":"Yeah.","start":228.245,"end":228.56499,"sentiment":"neutral","sentiment_score":0.012804901227355003},{"text":"But, unfortunately, I think with the way the market's going, yeah, I'll just be happy with anything.","start":228.56499,"end":234.79,"sentiment":"neutral","sentiment_score":-0.14762278405182502},{"text":"So but, yeah, still still, you know, like, I'm still comfortable, like, I'm because I drew did that big draw out.","start":234.85,"end":244.45,"sentiment":"neutral","sentiment_score":0.05534865015319416}],"sentiment":"neutral","sentiment_score":-0.03425973460630134,"num_words":81,"start":210.68,"end":244.45},{"sentences":[{"text":"I am I'm paying extra.","start":244.45,"end":247.19499,"sentiment":"neutral","sentiment_score":-0.06804471164941787},{"text":"But I'm finally we are struggling a little bit.","start":248.295,"end":250.215,"sentiment":"neutral","sentiment_score":-0.30698853731155396},{"text":"Michael's been not well, so he hasn't been getting his full income, you know, that.","start":250.215,"end":255.33499,"sentiment":"neutral","sentiment_score":-0.2505912035703659},{"text":"But at the moment, it's, you know, like, I'm getting it as a what do you call it?","start":255.33499,"end":259.835,"sentiment":"neutral","sentiment_score":-0.0336628288237585},{"text":"Not fringe benefit.","start":262.41,"end":263.37003,"sentiment":"neutral","sentiment_score":-0.08845469107230504}],"sentiment":"neutral","sentiment_score":-0.15466566879302263,"num_words":50,"start":244.45,"end":263.37003},{"sentences":[{"text":"What is it where you they draw it out before I pay tax?","start":263.37003,"end":265.63,"sentiment":"neutral","sentiment_score":-0.07678468554065777},{"text":"So we're sacrificing it.","start":267.45,"end":268.89,"sentiment":"neutral","sentiment_score":-0.12582609802484512},{"text":"So yeah.","start":268.89,"end":270.09,"sentiment":"neutral","sentiment_score":0.020958980545401573},{"text":"So but that was just, like my plan was to do extra like, I'm paying, I think, $60 a 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yeah.","start":991.91504,"end":993.75,"sentiment":"neutral","sentiment_score":0.015127990860491991},{"text":"So we just try and do it.","start":993.91,"end":995.53,"sentiment":"neutral","sentiment_score":0.16006326728633472}],"sentiment":"neutral","sentiment_score":0.035644062587784395,"num_words":45,"start":982.875,"end":995.53},{"sentences":[{"text":"We try and just do it daily.","start":996.07,"end":997.59,"sentiment":"neutral","sentiment_score":0.15778214378016336},{"text":"So that way, at least, we've got an emergency fund if we need 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yeah.","start":1140.27,"end":1141.63,"sentiment":"neutral","sentiment_score":-0.018546789884567268},{"text":"Look.","start":1141.63,"end":1142.11,"sentiment":"neutral","sentiment_score":0.27207738161087036},{"text":"I I if you if you think it would benefit, yeah, I'd be happy to proceed.","start":1142.11,"end":1147.755,"sentiment":"positive","sentiment_score":0.4666728004813194}],"sentiment":"neutral","sentiment_score":0.07902378055521032,"num_words":33,"start":1135.7899,"end":1147.755},{"sentences":[{"text":"So but I just as I said, I've been trying you know, we sort of try and keep a little bit of you know, we don't have much knowledge of the stock market, etcetera, and all that things happening, but just so there's so much uncertainty at the moment.","start":1147.755,"end":1159.455,"sentiment":"neutral","sentiment_score":-0.11045466754965637},{"text":"And there's more of the fact that I'm glad we've got you guys because there's so much information out there about everything, like, you know, from what food you can eat and what, you know, is good for you and what's not good for you.","start":1159.515,"end":1171.33,"sentiment":"neutral","sentiment_score":-0.038464151146925155},{"text":"Like, it's just my brain hurts.","start":1171.33,"end":1173.59,"sentiment":"neutral","sentiment_score":-0.158060722053051},{"text":"Yeah.","start":1187.285,"end":1187.785,"sentiment":"neutral","sentiment_score":-0.0026268325746059418},{"text":"Yeah.","start":1189.2051,"end":1189.7051,"sentiment":"neutral","sentiment_score":0.0928381159901619}],"sentiment":"neutral","sentiment_score":-0.07844429961223082,"num_words":102,"start":1147.755,"end":1189.7051},{"sentences":[{"text":"Yep.","start":1204.79,"end":1205.29,"sentiment":"neutral","sentiment_score":0.03263583779335022},{"text":"Yeah.","start":1206.375,"end":1206.6951,"sentiment":"neutral","sentiment_score":0.1032496690750122},{"text":"Let's let's 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too old now, and I don't want one.","start":1827.54,"end":1829.88,"sentiment":"neutral","sentiment_score":-0.28051338096459705}],"sentiment":"neutral","sentiment_score":-0.12342085146609648,"num_words":81,"start":1806.83,"end":1829.88},{"sentences":[{"text":"Yeah.","start":1830.8201,"end":1831.14,"sentiment":"neutral","sentiment_score":-0.04364055395126343},{"text":"Like, so if we do find a place, yeah, and the money's available, yeah, you know, within reason type thing or we're we're ready to find somewhere we wanna settle down, we might do that.","start":1831.14,"end":1841.685,"sentiment":"neutral","sentiment_score":0.05072198544761964},{"text":"And then same thing.","start":1842.145,"end":1843.9851,"sentiment":"neutral","sentiment_score":0.03997555002570152},{"text":"The if we if we do take the big lump sum out of mine to purchase the property, then we're gonna just, like, go heavy with, you know, with yeah.","start":1843.9851,"end":1854.26,"sentiment":"neutral","sentiment_score":0.032121974229812625},{"text":"Anyway, that's that's the plan.","start":1854.26,"end":1856.12,"sentiment":"neutral","sentiment_score":0.13326022028923035}],"sentiment":"neutral","sentiment_score":0.04695321953545014,"num_words":75,"start":1830.8201,"end":1856.12},{"sentences":[{"text":"Well, looking yeah.","start":1867.105,"end":1870.0651,"sentiment":"neutral","sentiment_score":0.010384478916724523},{"text":"Here, it's Service Paradise would be out of out so our price.","start":1870.0651,"end":1874.225,"sentiment":"neutral","sentiment_score":0.02042220237975319},{"text":"That's just ridiculous.","start":1874.225,"end":1875.2051,"sentiment":"neutral","sentiment_score":-0.014688114119053353},{"text":"The prices now are makes my eyes water.","start":1875.345,"end":1878.165,"sentiment":"neutral","sentiment_score":-0.01851652399636805},{"text":"But yeah.","start":1879.0399,"end":1879.6799,"sentiment":"neutral","sentiment_score":-0.004279002547264099}],"sentiment":"neutral","sentiment_score":0.0026951902101635433,"num_words":28,"start":1867.105,"end":1879.6799},{"sentences":[{"text":"Look.","start":1879.6799,"end":1880.1599,"sentiment":"neutral","sentiment_score":-0.011713514104485512},{"text":"We may not settle stay here.","start":1880.1599,"end":1882.5599,"sentiment":"neutral","sentiment_score":-0.048537079244852066},{"text":"That's what we don't know yet.","start":1882.5599,"end":1884.0,"sentiment":"neutral","sentiment_score":-0.04579067602753639},{"text":"So that's why, you know, over the next ten, say, years, we'll be doing a couple of little trips up and down and see, you know, something if we find somewhere we like, then we might look into the market.","start":1884.0,"end":1895.715,"sentiment":"neutral","sentiment_score":0.015181913296692074},{"text":"But, yeah, we still got another at least, would you say, nine years nine 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comfortably type situation.","start":1995.09,"end":2010.115,"sentiment":"neutral","sentiment_score":0.04283909006820371}],"sentiment":"neutral","sentiment_score":0.042173760172982626,"num_words":52,"start":1979.005,"end":2010.115},{"sentences":[{"text":"Yeah.","start":2010.2549,"end":2010.7549,"sentiment":"neutral","sentiment_score":0.05869320034980774},{"text":"Yes.","start":2012.1749,"end":2012.6749,"sentiment":"neutral","sentiment_score":0.11813663691282272},{"text":"Yep.","start":2023.9901,"end":2024.39,"sentiment":"neutral","sentiment_score":-0.021858252584934235},{"text":"No.","start":2024.39,"end":2024.79,"sentiment":"neutral","sentiment_score":-0.0668618306517601},{"text":"I need to yeah.","start":2024.79,"end":2026.0701,"sentiment":"neutral","sentiment_score":-0.03548788116313517}],"sentiment":"neutral","sentiment_score":-0.00673022132832557,"num_words":8,"start":2010.2549,"end":2026.0701},{"sentences":[{"text":"We're going to be doing that shortly.","start":2026.0701,"end":2028.665,"sentiment":"neutral","sentiment_score":-0.0067029063190732685},{"text":"We we just had to have our injection for whooping cough.","start":2028.665,"end":2033.625,"sentiment":"neutral","sentiment_score":-0.020918230272152206},{"text":"So yeah.","start":2033.625,"end":2034.365,"sentiment":"neutral","sentiment_score":0.0007204245775938034},{"text":"We're yeah.","start":2034.665,"end":2035.785,"sentiment":"neutral","sentiment_score":-0.01626702770590782},{"text":"But no.","start":2035.785,"end":2036.185,"sentiment":"neutral","sentiment_score":-0.047738220542669296}],"sentiment":"neutral","sentiment_score":-0.016816271857048076,"num_words":24,"start":2026.0701,"end":2036.185},{"sentences":[{"text":"Definitely.","start":2036.185,"end":2036.585,"sentiment":"neutral","sentiment_score":-0.007717953063547611},{"text":"That'll be something we'll be organizing, yeah, definitely soon.","start":2036.585,"end":2040.745,"sentiment":"neutral","sentiment_score":0.3125779463185204},{"text":"So have you yeah.","start":2040.745,"end":2047.05,"sentiment":"positive","sentiment_score":0.3624267391860485},{"text":"Sorry.","start":2047.05,"end":2047.55,"sentiment":"neutral","sentiment_score":0.005210371688008308},{"text":"Do you have anyone you could recommend?","start":2047.85,"end":2049.3901,"sentiment":"neutral","sentiment_score":0.012333681673875876}],"sentiment":"neutral","sentiment_score":0.1975789392705668,"num_words":22,"start":2036.185,"end":2049.3901},{"sentences":[{"text":"Or yep.","start":2049.45,"end":2057.6301,"sentiment":"neutral","sentiment_score":0.07982972264289856},{"text":"Yep.","start":2067.8252,"end":2067.985,"sentiment":"neutral","sentiment_score":0.12426295876502992},{"text":"Alright.","start":2067.985,"end":2068.485,"sentiment":"neutral","sentiment_score":0.17380110919475555},{"text":"That's perfect.","start":2072.74,"end":2073.48,"sentiment":"positive","sentiment_score":0.6916796565055847},{"text":"Thank you.","start":2073.54,"end":2080.36,"sentiment":"positive","sentiment_score":0.39298872649669647}],"sentiment":"neutral","sentiment_score":0.3283825349062681,"num_words":8,"start":2049.45,"end":2080.36},{"sentences":[{"text":"Yeah.","start":2091.4749,"end":2091.9749,"sentiment":"neutral","sentiment_score":0.03464183956384659},{"text":"Yep.","start":2092.515,"end":2093.015,"sentiment":"neutral","sentiment_score":0.02572014182806015},{"text":"Yep.","start":2105.16,"end":2105.56,"sentiment":"neutral","sentiment_score":0.042914457619190216},{"text":"Yeah.","start":2105.56,"end":2105.96,"sentiment":"neutral","sentiment_score":0.06451977789402008},{"text":"That's correct for 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scenario.","start":2123.5598,"end":2133.42,"sentiment":"neutral","sentiment_score":0.006898384761849516}],"sentiment":"neutral","sentiment_score":0.008213866093571772,"num_words":57,"start":2107.24,"end":2133.42},{"sentences":[{"text":"So that was why I've done it that way.","start":2133.48,"end":2136.2,"sentiment":"neutral","sentiment_score":-0.04500653822388914},{"text":"But yeah.","start":2136.2,"end":2138.3599,"sentiment":"neutral","sentiment_score":0.004074545577168465},{"text":"But anyway, we'll we'll look at that again in a year or 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fine.","start":2217.68,"end":2218.58,"sentiment":"neutral","sentiment_score":0.13786261528730392},{"text":"There was one thing I was gonna do.","start":2218.72,"end":2220.6401,"sentiment":"neutral","sentiment_score":0.12084746733307838},{"text":"Like, we have a new grandchild coming in September, and I'd we already have one grandchild.","start":2220.6401,"end":2225.46,"sentiment":"neutral","sentiment_score":0.19141329172998667},{"text":"So what is what is the best option now?","start":2225.76,"end":2228.665,"sentiment":"neutral","sentiment_score":0.0335884400539928}],"sentiment":"neutral","sentiment_score":0.12956317534877193,"num_words":36,"start":2217.52,"end":2228.665},{"sentences":[{"text":"They say if I wanted to put a little bit of money away for them for to buy a car when they turn, you know, 20 or something, what what would be the best option for that type of scenario 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bond itself.","start":2322.975,"end":2324.355,"sentiment":"neutral","sentiment_score":0.010387102762858072},{"text":"Yep.","start":2329.0999,"end":2329.5999,"sentiment":"neutral","sentiment_score":0.06830384582281113},{"text":"Yeah.","start":2340.46,"end":2340.96,"sentiment":"neutral","sentiment_score":0.31331777572631836},{"text":"Yeah.","start":2345.105,"end":2345.605,"sentiment":"neutral","sentiment_score":0.2490648478269577},{"text":"Yeah.","start":2348.625,"end":2349.0251,"sentiment":"neutral","sentiment_score":0.18313910067081451}],"sentiment":"neutral","sentiment_score":0.12071241119078227,"num_words":7,"start":2322.975,"end":2349.0251},{"sentences":[{"text":"Well, as I said, my my my grandmother did it for me.","start":2349.0251,"end":2353.665,"sentiment":"neutral","sentiment_score":0.09791832603514194},{"text":"I think it was $5 when she sold the house.","start":2353.665,"end":2355.745,"sentiment":"neutral","sentiment_score":0.056930053234100345},{"text":"And, I mean, it wasn't much, but it was just something that I'd like to do for the grandchildren.","start":2355.745,"end":2360.7,"sentiment":"neutral","sentiment_score":0.15121754484349176},{"text":"So but anyway, we might talk about that in January if that's okay.","start":2360.92,"end":2364.92,"sentiment":"neutral","sentiment_score":0.11128086740007767},{"text":"We might like, I'll yeah.","start":2364.92,"end":2367.18,"sentiment":"neutral","sentiment_score":0.08145260214805602}],"sentiment":"neutral","sentiment_score":0.10968420480898881,"num_words":59,"start":2349.0251,"end":2367.18},{"sentences":[{"text":"Yep.","start":2367.72,"end":2368.22,"sentiment":"neutral","sentiment_score":0.0846400260925293},{"text":"Yep.","start":2373.685,"end":2374.185,"sentiment":"neutral","sentiment_score":0.22225773334503177},{"text":"Yes.","start":2380.0051,"end":2380.5051,"sentiment":"neutral","sentiment_score":0.15029257535934448},{"text":"Yeah.","start":2383.54,"end":2384.04,"sentiment":"positive","sentiment_score":0.34425798058509827},{"text":"No.","start":2384.18,"end":2384.42,"sentiment":"neutral","sentiment_score":0.2802444100379944}],"sentiment":"neutral","sentiment_score":0.21633854508399963,"num_words":5,"start":2367.72,"end":2384.42},{"sentences":[{"text":"That sounds great.","start":2384.42,"end":2385.48,"sentiment":"positive","sentiment_score":0.6992347240447998},{"text":"Awesome.","start":2386.18,"end":2386.68,"sentiment":"positive","sentiment_score":0.810278058052063},{"text":"Thank you.","start":2386.82,"end":2387.56,"sentiment":"positive","sentiment_score":0.6638230681419373},{"text":"I will.","start":2392.1829,"end":2392.8428,"sentiment":"positive","sentiment_score":0.4680737853050232},{"text":"Okay.","start":2393.1428,"end":2393.463,"sentiment":"positive","sentiment_score":0.33949851989746094}],"sentiment":"positive","sentiment_score":0.6123638285530938,"num_words":9,"start":2384.42,"end":2393.463},{"sentences":[{"text":"Thank you.","start":2393.463,"end":2394.1028,"sentiment":"positive","sentiment_score":0.5695640444755554},{"text":"Talk soon.","start":2394.1028,"end":2394.9229,"sentiment":"positive","sentiment_score":0.4034600108861923},{"text":"Bye.","start":2397.3027,"end":2397.8027,"sentiment":"neutral","sentiment_score":0.20884720981121063}],"sentiment":"positive","sentiment_score":0.4309790641069412,"num_words":5,"start":2393.463,"end":2397.8027}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Leave a message.\n\nChannel 0: Hi, Judith. It's Dana from Oakey Financial. I had you booked in this afternoon to go through your annual review. If you can please call me back on 130160796. Thank you, and I hope you're having a great day.\n\nChannel 1: Hello? Sorry.\n\nChannel 0: Hi, Judith. You there. So\n\nChannel 1: Yes.\n\nChannel 0: sorry.\n\nChannel 1: Sorry.\n\nChannel 0: Can\n\nChannel 1: I had you in my pocket, and as I'm\n\nChannel 0: you\n\nChannel 1: trying\n\nChannel 0: that's\n\nChannel 1: to pull you\n\nChannel 0: okay.\n\nChannel 1: out, I must have put it on mute or something. Can you hear me?\n\nChannel 0: Yeah. I can\n\nChannel 1: Yes.\n\nChannel 0: now. Yeah. Perfect. It just beeps, and I left you a a message. So if you get a text or a missed call, it's just me.\n\nChannel 1: Cool. Yeah. Because I'm thinking I know. I'm I've got you in my hot pocket waiting, but yeah.\n\nChannel 0: No. That's all good. Honestly, not an issue at all. I did have you booked in just to run through your annual review. There is now still a good time for you.\n\nChannel 1: Yes. Yeah. That's perfect.\n\nChannel 0: The\n\nChannel 1: I'm just I'm just packing up. So I'll just\n\nChannel 0: yeah?\n\nChannel 1: lock the doors and I'll be out soon, but now it's all good. You can talk away.\n\nChannel 0: Fantastic. Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes. Certainly.\n\nChannel 0: Fantastic. And just to do a really quick security check there with you just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. Judith Louise Tozer, t o zed e r.\n\nChannel 0: Yep.\n\nChannel 1: And my my address has probably changed. I don't know that I've got the correct one. It was 2916 Gold Coast Highway, but it's we've moved since then. So I'm not sure if I updated. I might have updated on Hub 24, but not with\n\nChannel 0: Yeah.\n\nChannel 1: you guys.\n\nChannel 0: That's that's okay. I will quickly just pop in there and grab that for you just to reconfirm it.\n\nChannel 1: Yep.\n\nChannel 0: Have a look. Yeah. So I still do have the 2916 Gold Coast Highway, but I'm pretty\n\nChannel 1: Yep.\n\nChannel 0: sure I've updated it the other week on Michael's files. So I'll just\n\nChannel 1: Yeah.\n\nChannel 0: go\n\nChannel 1: We\n\nChannel 0: back and grab\n\nChannel 1: yeah.\n\nChannel 0: that.\n\nChannel 1: That's right.\n\nChannel 0: Yeah.\n\nChannel 1: I I know I know where I live now. 1203.\n\nChannel 0: You're right.\n\nChannel 1: 12\n\nChannel 0: So it's so much free. Yep.\n\nChannel 1: 1203 slash hang on. 12 Endley Avenue, Service Paradise.\n\nChannel 0: Of Endelie Avenue Service.\n\nChannel 1: Yep.\n\nChannel 0: Paradise. Beautiful. I'll make sure it's updated on everywhere for you. Fantastic.\n\nChannel 1: Thank you.\n\nChannel 0: That's okay. Not a problem at all. And yeah. Perfect. So how's your day been?\n\nYou're still packing up and finishing up?\n\nChannel 1: Oh, flat out. Like, it's just ridiculous. Like, property is meant to be you know, real estate is meant to be slowing down a bit, but\n\nChannel 0: Yeah. It's not.\n\nChannel 1: I'm just I'm ready to chuck it in now. Unfortunately, it's not\n\nChannel 0: Yeah.\n\nChannel 1: yeah. It's just not like, I'm just over being, you know, pulled and straight anyway, long story.\n\nChannel 0: Yeah.\n\nChannel 1: Anyway,\n\nChannel 0: No.\n\nChannel 1: let's\n\nChannel 0: That's\n\nChannel 1: talk about my future.\n\nChannel 0: Absolutely. Absolutely. So when are you because you're 56 this year, aren't you?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Yeah. Are you still wanting to sort of access super around about the age of 60, Mark, or when is it that you're actually wanting to sort of stop working and hopefully\n\nChannel 1: Well,\n\nChannel 0: enjoy those time it is?\n\nChannel 1: yeah, my look. I'm possibly\n\nChannel 0: Mhmm.\n\nChannel 1: going gonna be out priced, Like, you know, when we started this, I thought, oh, yeah. Around that time, blah blah blah.\n\nChannel 0: Yep.\n\nChannel 1: You know, looking at 67. Yeah. But I don't think we'll like, what my plan was to use my super when I retire or get\n\nChannel 0: Yep.\n\nChannel 1: you close enough to retiring to buy somewhere and\n\nChannel 0: Yes.\n\nChannel 1: have, you know, savings enough for to get through that little retirement bit.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. But, unfortunately, I think with the way the market's going, yeah, I'll just be happy with anything. So\n\nChannel 0: Yeah.\n\nChannel 1: but, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: still still, you know, like, I'm still comfortable, like, I'm because I drew did that big draw out. I\n\nChannel 0: Mhmm.\n\nChannel 1: am I'm paying extra.\n\nChannel 0: Yep.\n\nChannel 1: But I'm finally we are struggling a little bit. Michael's been not well, so he hasn't been getting his full income, you know,\n\nChannel 0: Okay.\n\nChannel 1: that. But\n\nChannel 0: Yeah.\n\nChannel 1: at the moment, it's, you know, like, I'm getting it as a what do you call it? Not fringe benefit. What is it where you they draw it out before I pay tax?\n\nChannel 0: Oh, you're salary sacrificing?\n\nChannel 1: So we're sacrificing it. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: So but that was just, like my plan was to do extra like, I'm paying, I think, $60 a week.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: Yeah. And that's was to pay back, you know, so within seven years to pay\n\nChannel 0: Yeah.\n\nChannel 1: back the 70 that I took out. So\n\nChannel 0: Yeah. No. That's okay. Are you wanting to look at increasing that down the track to kinda give it a last little bit of a boost towards social\n\nChannel 1: Well,\n\nChannel 0: time that you used to see if we can get\n\nChannel 1: yes.\n\nChannel 0: you\n\nChannel 1: It\n\nChannel 0: retired earlier?\n\nChannel 1: sorry. Definitely wants\n\nChannel 0: Yeah.\n\nChannel 1: like, that's why we plan to do with Michael's is get out of debt. No no more loans. Get out a new car because we'll, you know, be down that road rather than have a loan for\n\nChannel 0: Yes.\n\nChannel 1: a\n\nChannel 0: That's\n\nChannel 1: new car.\n\nChannel 0: it.\n\nChannel 1: And then\n\nChannel 0: Yeah.\n\nChannel 1: both of us, yeah, just, like, trying to get as much in as we can\n\nChannel 0: Boost\n\nChannel 1: within\n\nChannel 0: it back in. Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. No. Absolutely. And I've nearly got that advice ready to go, which should be fantastic to\n\nChannel 1: Awesome.\n\nChannel 0: get sorted for you guys.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So we'll keep it at $60 at the moment, sort of see how\n\nChannel 1: Yeah.\n\nChannel 0: everything goes with Michael, and then we'll kind of maybe once we go through his advice and\n\nChannel 1: Yep.\n\nChannel 0: I come back, we might maybe talk to the both of you.\n\nChannel 1: Yes.\n\nChannel 0: And I'll do, like, a joint advice document at the end of the year, maybe. I think\n\nChannel 1: Yeah.\n\nChannel 0: we sort of talked about when he's gonna retires, maybe do a joint advice piece after that,\n\nChannel 1: Yeah.\n\nChannel 0: and kind of look at how we boost things on those last couple of years a bit more for you both. Does that sound\n\nChannel 1: Yep.\n\nChannel 0: okay?\n\nChannel 1: Perfect.\n\nChannel 0: Yep.\n\nChannel 1: Yep. That sounds\n\nChannel 0: Fantastic.\n\nChannel 1: great.\n\nChannel 0: I love that. So we'll say joint advice piece is both of you down the track. We'll get his\n\nChannel 1: Yep.\n\nChannel 0: retirement side of things sorted, and then\n\nChannel 1: Yep.\n\nChannel 0: we'll come back and I'll have a chat with both of you after we do that, and then we'll update the advice and kind of go forward with both of you as a joint piece. So you can sort of see where you're both tracking, where\n\nChannel 1: Yes.\n\nChannel 0: you're both heading moving forward, and what we need to do to kinda help you both along. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Do you do\n\nChannel 0: Beautiful.\n\nChannel 1: you have an estimate? Like, say the pace I'm going at the moment or the, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: the amount. What\n\nChannel 0: Yep.\n\nChannel 1: what would you estimate? Say it's 60\n\nChannel 0: Yeah.\n\nChannel 1: 5. What would my balance be?\n\nChannel 0: Yeah. I can absolutely do that for you. What I will do is I've had a bit of a look at I need to go back and do a couple of projections to kinda show you\n\nChannel 1: Yep.\n\nChannel 0: what that looks like.\n\nChannel 1: Yeah.\n\nChannel 0: But I have, as part of this, had a bit of a look at your portfolio. So I have sort of noted and, look, your balance has been going really, really well. When we kind\n\nChannel 1: Yep.\n\nChannel 0: of look back at your annual review last year, your balance is about a 150,060. Your balance as of now is a 166,000\n\nChannel 1: Yep.\n\nChannel 0: 5\n\nChannel 1: Yeah.\n\nChannel 0: 134. So it has definitely increased. We have\n\nChannel 1: Yes.\n\nChannel 0: seen a net return after fees of 6.09 percent, which is a good return\n\nChannel 1: That is. Yeah.\n\nChannel 0: for the kind of portfolio you're in at the moment. It is a little bit low for where we'd like it to be. So when you're in that\n\nChannel 1: Yeah.\n\nChannel 0: growth portfolio side of things, we kind of wanna see you averaging around about a seven to 9% return, and that's\n\nChannel 1: Okay.\n\nChannel 0: kind of the range we're hoping for on a yearly basis and compounding forward. This year, with the ups and downs in the market and what's been going on, we have sort of seen a lot more ups and downs, and it has meant that the the returns are a little bit lower than expected. So\n\nChannel 1: Yes.\n\nChannel 0: I'm happy that you've still come up with a good return, but it\n\nChannel 1: Yep.\n\nChannel 0: is a bit lower than what we sort of like to see.\n\nChannel 1: Yes.\n\nChannel 0: I have also noted in your portfolio, you've got an investment that's underperforming. So I do wanna update the advice now and have that one completely removed there for you.\n\nChannel 1: Yes.\n\nChannel 0: That way, we can maybe update the portfolio, update your projections on what we're tracking for now, and then we'll come back after I've done Michael's next piece of advice after he's drawn out that money, and then we can kinda come back and do another joint advice piece for you guys early next year\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: keep\n\nChannel 1: That'd\n\nChannel 0: tracking\n\nChannel 1: be good.\n\nChannel 0: forward and update things. Does that sound okay for you?\n\nChannel 1: Yes.\n\nChannel 0: Yes?\n\nChannel 1: Yes. That\n\nChannel 0: Yep.\n\nChannel 1: does that\n\nChannel 0: Beautiful.\n\nChannel 1: does. Yes.\n\nChannel 0: Excellent. Excellent. So your balance is going really well. I have sent you an email as well with your annual review docs. It does have the summary in\n\nChannel 1: Yep.\n\nChannel 0: there of your\n\nChannel 1: Oh,\n\nChannel 0: balances.\n\nChannel 1: okay.\n\nChannel 0: The MLC master key there as well, the balance in there now is about 48,447,\n\nChannel 1: Yes.\n\nChannel 0: and last year was about $33,008.71. So, again, that's increased a little bit.\n\nChannel 1: Yeah.\n\nChannel 0: I'll also update the advice to reflect just the retention strategy, roll some money out of MLC as well into Hub twenty four, which can\n\nChannel 1: Yes.\n\nChannel 0: also provide a greater boost for\n\nChannel 1: That\n\nChannel 0: you\n\nChannel 1: was\n\nChannel 0: as well.\n\nChannel 1: one of my questions\n\nChannel 0: Yeah.\n\nChannel 1: I was going to ask. You know, at what\n\nChannel 0: Yeah.\n\nChannel 1: at what stage do you take money out of MLC and put it in? Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Definitely wanna do that now. We normally like to only hold about 10,000 in\n\nChannel 1: yep.\n\nChannel 0: there with your\n\nChannel 1: Yeah.\n\nChannel 0: insurance as being about $2. So the insurance is at MLC at the moment. You're paying about $1,800 for those for this year. So I'll probably leave just a little bit more than 10,000 in there plus an additional 2 just\n\nChannel 1: Yep.\n\nChannel 0: to cover your insurance premium\n\nChannel 1: Yeah.\n\nChannel 0: just because\n\nChannel 1: That sounds\n\nChannel 0: we\n\nChannel 1: good.\n\nChannel 0: are back\n\nChannel 1: Because\n\nChannel 0: to the market ups and downs as well. Yeah.\n\nChannel 1: yeah. Because that's because Marco doesn't have any of that, does he? Because he's too old now. So when we moved it\n\nChannel 0: Yeah. Yeah. So\n\nChannel 1: yeah.\n\nChannel 0: it's just you a little bit of cover there. With your\n\nChannel 1: Yep.\n\nChannel 0: life and TBD, you've got the 219,000 of both.\n\nChannel 1: Yep.\n\nChannel 0: Looking at your circumstances, and if we kind of looked at, you know, how that might track in the event of something happening to you\n\nChannel 1: Yep.\n\nChannel 0: I'm just closing one folder. Sorry. I have so many folders open. Shocking. There we go.\n\nEssentially, with your so you guys are renting where you're at at the moment,\n\nChannel 1: Yes.\n\nChannel 0: and I've got it down here. You don't have any real debt aside from the two credit cards that you've got there at the moment.\n\nChannel 1: No.\n\nChannel 0: So, realistically, that 219,000, if you were to say pass away today, you've got the 219,000 there of life insurance, plus we've\n\nChannel 1: Yep.\n\nChannel 0: also got the $166.05 34 of super in half twenty four and another $48,004.04 7 of Super Inside MLC as well. So it does give you a total life benefit of a bit over 433,000. Do you feel like that's\n\nChannel 1: Yeah.\n\nChannel 0: fairly sufficient to have sort of paid out to Michael in the event of you passing and having to pay rent\n\nChannel 1: Yeah.\n\nChannel 0: and continue his thing?\n\nChannel 1: I think I think so. Like, as long as like,\n\nChannel 0: Yeah.\n\nChannel 1: as you said, we don't have a lot of debt. So as long as it\n\nChannel 0: No.\n\nChannel 1: would cover that and give him some some spending money to, you know, get set up somewhere else, he'd probably go\n\nChannel 0: Yep.\n\nChannel 1: home. So\n\nChannel 0: Yep.\n\nChannel 1: yeah. No.\n\nChannel 0: Yep.\n\nChannel 1: That would be okay. Yep.\n\nChannel 0: That would be okay. Beautiful. With TBD, total permanent disability cover, it does pay out the lump sum benefit or a compounded income stream as well in the event of you never being able to go back to work again.\n\nChannel 1: Yes.\n\nChannel 0: Having a look at the TBD side of things, and and I know we kinda went through and talked about last year, but TBD is a tax benefit. So if you were to become permanently incapacitated, you get access to the benefit of 219,000, plus\n\nChannel 1: Yep.\n\nChannel 0: your super is also released. We can also claim permanent incapacity against your super. So it does give you the same sort of benefit, the 433. But if\n\nChannel 1: Yes.\n\nChannel 0: you then took that money out as a lump sum, they do when you're under the age of 60, they do actually charge tax at up to 22%. It's\n\nChannel 1: Yes. Yep.\n\nChannel 0: It's horrible. I\n\nChannel 1: I'm\n\nChannel 0: do not\n\nChannel 1: just about to jump in a lift. So if I do lose you, I'll call you straight back, but\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: should be okay,\n\nChannel 0: absolutely\n\nChannel 1: I think.\n\nChannel 0: No. Absolutely fine. So based on that, if I looked at the 22% tax based on the current sum insured, you'd end up with, as a lump sum, about 337,524. So just over 337,000 for TBD between everything.\n\nChannel 1: Yeah.\n\nChannel 0: Do you feel like that's fairly sufficient at the moment?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Or\n\nChannel 1: That would be fine.\n\nChannel 0: yep.\n\nChannel 1: Yeah. It'd be\n\nChannel 0: Yep.\n\nChannel 1: better than\n\nChannel 0: Beautiful.\n\nChannel 1: nothing. So\n\nChannel 0: No. That's okay. And and, look, income protection, as we kinda went through last year, you don't have any income protection. There's no other additional insurances like trauma and things like that. Lastly, you are happy not to have them knowing that more insurances need more money\n\nChannel 1: Yeah.\n\nChannel 0: coming out of your super or out of your back pocket. And we are looking to provide advice to Michael to sort of help, you know, with him starting to access some of his super and then sort of build on that afterwards. Are you\n\nChannel 1: Yep.\n\nChannel 0: happy not having any additional insurance? Did you wanna sort of talk us\n\nChannel 1: Yeah.\n\nChannel 0: them through\n\nChannel 1: Look.\n\nChannel 0: a bit more? Or\n\nChannel 1: At at this stage, yes. Only because\n\nChannel 0: Yeah.\n\nChannel 1: I possibly like, there might be some transitioning when I change jobs in the new year and then, you know, if there's no there's no extra super going in, you\n\nChannel 0: Yep.\n\nChannel 1: know, my 60\n\nChannel 0: Yep.\n\nChannel 1: dollars will be stopped, etcetera. So, yeah,\n\nChannel 0: Yep.\n\nChannel 1: we might review that even, you know, in twelve months time when, hopefully, we've got some savings and,\n\nChannel 0: Yep.\n\nChannel 1: you know, we're doing it that way. So yeah. But let's leave\n\nChannel 0: Yep.\n\nChannel 1: it for now. I can always call\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: you up, can I? And,\n\nChannel 0: Absolutely. You're not limited to one call a year. If you need\n\nChannel 1: yeah.\n\nChannel 0: anything additional, if you have questions or you just wanna chew\n\nChannel 1: Yeah.\n\nChannel 0: the fat with me, you just let me know. My team will book you in, and I'll happily, you know, make a time to talk you through, answer any questions, review, or research anything that you need at the time. Yeah.\n\nChannel 1: Yeah. No. That's perfect. Cool.\n\nChannel 0: Beautiful.\n\nChannel 1: Alright.\n\nChannel 0: Excellent. Just going through the liabilities and assets. Now I've kind of updated everything as we sorta had here because I have sorta touched base with Mark previously there.\n\nChannel 1: Yep.\n\nChannel 0: Just double checking the Nissan Qashqai. Rough\n\nChannel 1: Yes.\n\nChannel 0: valuation about 15,000, do you think?\n\nChannel 1: Yeah.\n\nChannel 0: Would you alter?\n\nChannel 1: Yep.\n\nChannel 0: Yep. That's all good. Credit cards, we had a total limit on those of about 2,000 joint. Is that right?\n\nChannel 1: That's on a nav one. There's\n\nChannel 0: Yep.\n\nChannel 1: another one I have. There's seven total is our\n\nChannel 0: Okay.\n\nChannel 1: credit cards. Yeah. Well, my\n\nChannel 0: Seven\n\nChannel 1: mine\n\nChannel 0: total.\n\nChannel 1: is I have the one, but the nav one is. Yeah. No. They're both in my name. They're not actually mix any of mix, but he's gonna pay them out for me so we can be out of debt.\n\nChannel 0: Sounds good. So one of them has a limit of 3,000 and the other one has 5,000. Is that right?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Yep. Beautiful. Fantastic. I will just update that for you. Excellent.\n\nRent, we have you still paying about 750 per week.\n\nChannel 1: That's\n\nChannel 0: Is that right?\n\nChannel 1: yes. Rent that. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. And content's a rough valuation about 20,000. Would you alter the content's valuation? Is that the same?\n\nChannel 1: No. That'll be plenty because we've\n\nChannel 0: Yep.\n\nChannel 1: downsized so we got rid of a heap of stuff so that would be plenty.\n\nChannel 0: Okay. Beautiful. Beautiful. And income wise, still earning about 80,000. Have you been lucky enough to get a pay increase?\n\nChannel 1: No. Well, yeah, we got\n\nChannel 0: No.\n\nChannel 1: a tax cut, $5. It's not even enough to buy a loaf of\n\nChannel 0: No.\n\nChannel 1: bread.\n\nChannel 0: It\n\nChannel 1: Yeah.\n\nChannel 0: doesn't\n\nChannel 1: No.\n\nChannel 0: do much, does it?\n\nChannel 1: About no. $73,500 now. Like, yeah,\n\nChannel 0: 70\n\nChannel 1: that's\n\nChannel 0: 3. Yep.\n\nChannel 1: yeah. Unfortunately, I had to take well, I took a cut, but anyway\n\nChannel 0: Yeah. Okay. Update that for you. Hopefully, you get a pay rise moving forward. You're definitely worth it.\n\nChannel 1: Well, I'm yeah. No. That's another reason why I'm looking, yeah, somewhere\n\nChannel 0: Yep.\n\nChannel 1: else. But I'm leaving all that till the New Year to start afresh because we've got too\n\nChannel 0: Yes.\n\nChannel 1: much happening between now\n\nChannel 0: Abs\n\nChannel 1: and Christmas.\n\nChannel 0: absolutely.\n\nChannel 1: So\n\nChannel 0: Yeah. Definitely. No. All good. And are you guys managing to sort of put much in the way of savings away on a regular basis, any dedicated savings, or not really?\n\nChannel 1: yeah. Not not as much. Like, we still do our twenty seven fifty,\n\nChannel 0: Yep.\n\nChannel 1: but we had to use that, like, to move. So we use that to move. So that brought it down and, you know, and then with Michael not working for a few weeks last year, we sort of used that to cover his income.\n\nChannel 0: Yes. Yes.\n\nChannel 1: So we've got we're building it up again, but, yeah, our regular we used to put a $150 away every week. That's just\n\nChannel 0: Yeah.\n\nChannel 1: I've I just did that pending. So at the moment, funds are looking about 2,000 savings, and then we started\n\nChannel 0: Yep.\n\nChannel 1: the we call it the $27.50 account because it's 20\n\nChannel 0: Yep.\n\nChannel 1: $7.50 a day we transfer.\n\nChannel 0: Yep.\n\nChannel 1: And then, yeah, by twelve months' time, we have 10,000. So yeah.\n\nChannel 0: That's perfect. Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: I love that. That's fantastic.\n\nChannel 1: Mhmm.\n\nChannel 0: I've got my children doing something very, very similar.\n\nChannel 1: Yeah.\n\nChannel 0: I've\n\nChannel 1: Well,\n\nChannel 0: given\n\nChannel 1: it just\n\nChannel 0: them\n\nChannel 1: that's it.\n\nChannel 0: yeah.\n\nChannel 1: Like, well, it used to be a takeaway meal or, you know, a a breakfast like, if we go out for breakfast, that's how much that costs. Well, more\n\nChannel 0: Yeah.\n\nChannel 1: now, but\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: we just\n\nChannel 0: Absolutely.\n\nChannel 1: try and do it.\n\nChannel 0: Yeah.\n\nChannel 1: We try and just do it daily. So that way, at least, we've got an emergency fund if we need it.\n\nChannel 0: Yeah. That's perfect. That's really good. I think with my daughters, because they're 19 and 20, they're sort of learning that aspect now. I've got, like, a\n\nChannel 1: Yeah.\n\nChannel 0: little thing on the fridge. It's like an a four page, and it has a different\n\nChannel 1: Yep.\n\nChannel 0: dollar amount. So because they're casual, when they earn more, they can be putting more away and less on the weeks because they're earning a little bit less. And they're kind of one\n\nChannel 1: Yes. Yeah.\n\nChannel 0: week, it might be $20, another week, $50. And they color in a little square each time they put some money in there. It kinda keeps them going, kinda building\n\nChannel 1: Yeah. Going\n\nChannel 0: it because\n\nChannel 1: and motivated.\n\nChannel 0: two of them.\n\nChannel 1: Yeah.\n\nChannel 0: Exactly. And because there's two of them, they're kind of in competition with each other, which is kind of really cool.\n\nChannel 1: Yeah. That's good. No. I I try and teach my kids that too, but they don't listen to me anymore. So they're too old.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: I\n\nChannel 1: I will\n\nChannel 0: my they'll get past that.\n\nChannel 1: yes.\n\nChannel 0: Yeah. No. I understand. My kids, that was the most boring person on the planet until they became 19 and 20 and got jobs and realized that money doesn't last when you're spending\n\nChannel 1: That's\n\nChannel 0: it on everything.\n\nChannel 1: or, you know, there's more you know, those days where you get you know, like, where you're free from working\n\nChannel 0: Yep.\n\nChannel 1: and having to pay things,\n\nChannel 0: Yep.\n\nChannel 1: I have good days.\n\nChannel 0: That's exactly right. Yeah. No. That's all good. So what I'll do with the advice is I'll just go back, and I'll have a bit of a look at the super.\n\nI'll just evaluate\n\nChannel 1: Yep.\n\nChannel 0: all the investments in there, look at how they're performing for you. One of\n\nChannel 1: Yes.\n\nChannel 0: the big things with the investment structures is the Bannalong investment that you had in there was originally placed in there. The idea is it's more of an actively managed fund, so the investment manager is trying to outperform against the market. They are\n\nChannel 1: Yep.\n\nChannel 0: supposed to be buying and selling in a way that, you know, they pick the top and the bottom or as close to as they possibly can.\n\nChannel 1: Yep.\n\nChannel 0: To have these sorts of active managers in your portfolio, you do pay a bit more in investment fees. So one way we can lessen or help to boost this super is to sort of look at, you know, reducing investment fees where possible as well. Did you want me to look at maybe having more of a passively managed portfolio that is tracking the market might be more cost effective for you as well and maybe, you know, making sure we're maximizing diversification as much as possible to reduce risk. Did you want me to kind of look at things that way, or did you wanna see more of an active manager in your portfolio? What's your thought?\n\nChannel 1: Look. I'm I'm just at the moment, I'm so unsure and every about everything. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: That's okay.\n\nChannel 1: Look. I I if you if you think it would benefit, yeah, I'd be happy to proceed. So\n\nChannel 0: Mhmm.\n\nChannel 1: but\n\nChannel 0: Yeah.\n\nChannel 1: I just as I said, I've been trying you know, we sort of try and keep a little bit of you know, we don't have much knowledge of the stock market, etcetera, and all\n\nChannel 0: That's\n\nChannel 1: that things\n\nChannel 0: okay.\n\nChannel 1: happening, but just so there's so much uncertainty at the moment. And\n\nChannel 0: Yes.\n\nChannel 1: there's more of the fact that I'm glad we've got you guys because there's so much\n\nChannel 0: Oh,\n\nChannel 1: information out there about everything,\n\nChannel 0: yeah.\n\nChannel 1: like, you know, from what food you can eat and what, you know, is good for you and what's not good for you. Like, it's just my brain\n\nChannel 0: Yeah.\n\nChannel 1: hurts.\n\nChannel 0: That's okay. No. Completely understandable. I think one of the last reviews I did earlier, I was talking to the client more about when you're in your fifties, you know, looking at trying to reduce risk as much as possible whilst keeping\n\nChannel 1: Yeah.\n\nChannel 0: a bit of growth there.\n\nChannel 1: Yeah.\n\nChannel 0: And, realistically, you can stay within that growth sort of environment because, I mean, having a look, you are we before did you want me to sort of look at age 65 as a base for time and for this advice piece, and then we can always build on that down the track later if you wanted to sort of continue\n\nChannel 1: Yep.\n\nChannel 0: working longer. Does that\n\nChannel 1: Yeah.\n\nChannel 0: sound okay?\n\nChannel 1: Let's let's try. Because my my plan would be, you know, like, for example, like, Michael to maybe, you know, go a bit part time and not work, you know, the nine to five\n\nChannel 0: Yep.\n\nChannel 1: slug sort of thing.\n\nChannel 0: Yep.\n\nChannel 1: So yeah. So let's try 65 and then yeah.\n\nChannel 0: Yep. Beautiful. So realistically using because you are 56 this year, it gives you about nine years until your retirement\n\nChannel 1: Yeah.\n\nChannel 0: aspect there. So we are kind of reducing the years a little bit, which is good. The when you sort of think about risk in your portfolio, do you kind of feel like you're comfortable taking on a higher level of risk in order to get those greater returns knowing that in a down period or at times where you are feeling uncertain and the markets are, you know, going up and down quite drastically like this year, that you can see those dips and feel those dips. Or did you wanna take a bit more of a conservative approach that, you know, be a little bit more in the middle medium sort of range? How do you feel about\n\nChannel 1: Yeah.\n\nChannel 0: the risk\n\nChannel 1: I've\n\nChannel 0: level?\n\nChannel 1: I've been trying to think about this before your call, and I just I don't know. Like, I know higher outlay, you know, higher risk, but,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I just I've just got no idea at the moment and just,\n\nChannel 0: Is\n\nChannel 1: like,\n\nChannel 0: yeah. Do you\n\nChannel 1: yeah.\n\nChannel 0: feel like at at your age and your staging with what's happening in the market? Because you sort of are feeling a little bit unsure at the moment. You'd more wanna be in that middle sort of range taking on a moderate amount of risk, you know, out of if you think of risk out of a number between one and five, five being the highest level of risk and one being sort of the lowest where all the money is sitting in cash and you're not really getting any returns. So it's where do you think sort of see yourself? Would you be more of a one, two, three, four, five, four?\n\nChannel 1: I\n\nChannel 0: Where do\n\nChannel 1: I'm\n\nChannel 0: you think?\n\nChannel 1: sorry. I really don't know. Like, I'm so I'm just so I don't know. Like, if what if I do it for, you know, six months and then, you know, like, like, I know there's risk with everything, but,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, I'm I don't know. I'm just\n\nChannel 0: That's\n\nChannel 1: so\n\nChannel 0: okay.\n\nChannel 1: I just\n\nChannel 0: That's\n\nChannel 1: don't\n\nChannel 0: okay. That's\n\nChannel 1: know.\n\nChannel 0: okay. That's okay. It's good to have these conversations to talk it out because they're not easy questions to ask.\n\nChannel 1: No. And\n\nChannel 0: To give you a really good kind of idea with your growth portfolio at the moment, you're at sort of sitting at a three. So you are in that medium range. And the way\n\nChannel 1: Yeah.\n\nChannel 0: our portfolios are structured, we start with aggressive, which is all a 100% inequities. There's no defensive investments. Then we go high growth, then it's growth, which is you where you're sort of sitting at the moment. It's an eighty twenty split.\n\nChannel 1: Yep. Okay.\n\nChannel 0: 80% of those growth investments, they're the ones like international shares, Australian shares, listed property, and commodities like gold and silver. That's where you get a lot of growth from, but it's also the investments that you see go up and down. So when you're looking at the news and it's\n\nChannel 1: Yes.\n\nChannel 0: telling you that, you know, a million dollars is wiped off the market, it's because those sorts of investors have taken a bit of a dip in that one day, and that's where that\n\nChannel 1: Yeah.\n\nChannel 0: sort of fear comes from. That kinda also has a 20% invested in defensive assets. So thinking things like cash, bonds, and fixed interest. They are seen as lower risk. They tend to get a lower rate of return over the longer term as well.\n\nBut they're\n\nChannel 1: Yes.\n\nChannel 0: really good for having, you know, cash in they're good for\n\nChannel 1: Yeah.\n\nChannel 0: lower risk and cash. I'm trying to think of a income payments coming out. Sorry. I'm having a major mental blank. Income payments coming out.\n\nSo when you think about bonds and fixed interest in term deposits and things, those sorts of investments do pay regular intervals of income, and that gets reinvested back into your portfolio, and that helps with compounding effect as well. So having a mix of the two, the growth and defensive for the high risk and low risk investments is important. And even when you\n\nChannel 1: Yep.\n\nChannel 0: get into retirement, we still wanna have a mix of those. It's just what kind of a mix need it needs to\n\nChannel 1: Yes.\n\nChannel 0: be in your comfort level\n\nChannel 1: Me too.\n\nChannel 0: as well. So,\n\nChannel 1: Yep.\n\nChannel 0: I mean, the way you are at the moment, that growth environment still suits someone who has about six years before accessing their super. So you do fit\n\nChannel 1: Yes.\n\nChannel 0: within that within nine year time horizon. We're tracking around about a seven to 9% return on a yearly basis there. And when you\n\nChannel 1: Yep.\n\nChannel 0: think of the volatility, we look at it when we look at the ups and downs that can be expected as a portfolio, we can expect on that seven to 9% at a good year, an extra 11% return could occur, or in a bad year, from that 7%, it drops 11%\n\nChannel 1: Yeah.\n\nChannel 0: more than that. So it kinda shows us the range that we're sort of expecting. And to sort of see the difference, an aggressive portfolio, you're sort of averaging about 11 to 13% return. But volatility wise, in a good year, on top of that 13%, you could also get an extra 18%. But then\n\nChannel 1: No.\n\nChannel 0: from\n\nChannel 1: Okay.\n\nChannel 0: the in a bad year, from the 11%, it could also drop by the 18% as well. So you can sort of see taking on more risk, you get greater returns, but the downside\n\nChannel 1: Yes.\n\nChannel 0: is also larger. And where you are at the moment is more in the middle. You're sort of sitting in that medium range, about a three out of five when you think about the risk scale.\n\nChannel 1: Yep.\n\nChannel 0: And it it certainly suits where you're at if you wanna stay there for a little bit longer. When you are about sort of five to six years out from accessing your your super, I would absolutely be telling you to pull back a little bit. Let's start reducing\n\nChannel 1: Yeah.\n\nChannel 0: it fast, dropping things at a 10% rate each year, and then\n\nChannel 1: Yep.\n\nChannel 0: just sort of gradually decrease in the risk level. But if you're comfortable and wanna stay in that environment for one more year, you absolutely can. There's nothing\n\nChannel 1: Yeah.\n\nChannel 0: wrong with it. It still suits your time horizon. It still\n\nChannel 1: Yeah.\n\nChannel 0: suits\n\nChannel 1: I\n\nChannel 0: your\n\nChannel 1: I think\n\nChannel 0: risk\n\nChannel 1: I'll\n\nChannel 0: tolerance.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I'll stay where where I am. Only\n\nChannel 0: Yep.\n\nChannel 1: because just like I I could say that it has the growth and even with the,\n\nChannel 0: Yep.\n\nChannel 1: you know, that orange man overseas doing his stuff.\n\nChannel 0: Oh, man. Yep.\n\nChannel 1: Yeah. Like that, you know, that's a bit of a scare, but I know\n\nChannel 0: Yeah.\n\nChannel 1: it's, you know, the up and down. So let's look.\n\nChannel 0: Absolutely.\n\nChannel 1: We can always I can always review view it again at another stage,\n\nChannel 0: Yeah.\n\nChannel 1: can I? So, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: let's\n\nChannel 0: Absolutely.\n\nChannel 1: do that. Let's\n\nChannel 0: And I\n\nChannel 1: stick.\n\nChannel 0: can look at other ways to reduce the risk level. So, like, if I remove the Bannalong from your portfolio, I can look at an investment that has more investments in it. So to give you a bit of an example, that Bannalong Australian Equities investment, they generally hold about 15 to 25 different investments depending on what they're invested in within their in that\n\nChannel 1: Yeah.\n\nChannel 0: that investment class. I could look at removing that, put you in something a bit more passive, which is, you know, reducing risk as it is because it's just tracking a certain indices of the market. But I could look at an investment to replace that. That gives you more access to investments. So instead of tracking, you know, 15 or 25 different investments, we might put you in something that has 200.\n\nSo your money is spread over more investments, which gives you more diversification, which can help to lower the risk level of your portfolio as well. So even though you're\n\nChannel 1: Yes.\n\nChannel 0: in that growth environment, we can look to mitigate as much risk as possible in other ways. Does that make sense?\n\nChannel 1: Yes. Yes. It does.\n\nChannel 0: Yeah. Do you have questions? Because I know it's a lot, and I'm so sorry. But do you\n\nChannel 1: No.\n\nChannel 0: have any\n\nChannel 1: No.\n\nChannel 0: questions\n\nChannel 1: No. Look.\n\nChannel 0: that come out\n\nChannel 1: As\n\nChannel 0: of\n\nChannel 1: I\n\nChannel 0: that?\n\nChannel 1: said to you, I just, like, I understand the the risk. You know, I'm at the medium\n\nChannel 0: Yeah.\n\nChannel 1: and, like,\n\nChannel 0: Yeah.\n\nChannel 1: I'm just, you know, I don't wanna do years worth of higher risk and then, you know, end up back step because I like, I understand. I'm still lucky enough to have a few more years. So\n\nChannel 0: Absolutely. Yeah. Definitely. No. That's absolutely fine.\n\nSo what we'll do, if you like, is I can look at the growth portfolio. I'll look at adjusting\n\nChannel 1: yeah.\n\nChannel 0: your super, look at, you know, making sure MLC is working properly. We'll move some money into\n\nChannel 1: Yep.\n\nChannel 0: hub as well and do a rollover.\n\nChannel 1: Yeah.\n\nChannel 0: We'll\n\nChannel 1: That'd\n\nChannel 0: retain\n\nChannel 1: be good.\n\nChannel 0: your insurances as they are, and then we can also make sure that in the next six months, so that'd be around about December, we then check-in. I do a bit of a catch up with you just before the Christmas\n\nChannel 1: Yep.\n\nChannel 0: break because\n\nChannel 1: Yep.\n\nChannel 0: that's when all of Michael's stuff will also be happening. So\n\nChannel 1: Yeah.\n\nChannel 0: we'll have a checkup before the Christmas break, and then we'll come back early next year, and we'll do an advice piece for both of you and reassess everything. Does that sound okay?\n\nChannel 1: Yeah. That\n\nChannel 0: Yep.\n\nChannel 1: sounds perfect. Because then I'll hopefully, I'll have a new job and I'll be able to work out, you know, if I can put more in or if 60 is still\n\nChannel 0: Yep.\n\nChannel 1: gonna $60 a week is still gonna be enough.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Because that that'll that'll be better.\n\nChannel 0: Yeah. Absolutely. Beautiful.\n\nChannel 1: Yeah. Because it it should make it will it make a bit of a difference now that the the real time super transactions are happening from payroll? So\n\nChannel 0: Oh, absolutely. So\n\nChannel 1: yeah.\n\nChannel 0: the way it used to be was you'd be putting, you know, your employer's putting in a a larger chunk of money sort of once every month or every three months\n\nChannel 1: Yeah.\n\nChannel 0: depending\n\nChannel 1: Three\n\nChannel 0: on how\n\nChannel 1: months.\n\nChannel 0: they\n\nChannel 1: Yeah.\n\nChannel 0: did it.\n\nChannel 1: Some of\n\nChannel 0: But now\n\nChannel 1: them.\n\nChannel 0: with the payday deposits for your contributions, you'll have smaller amounts of money going in more regularly. So that way, you're\n\nChannel 1: Yeah.\n\nChannel 0: really dollar cost averaging, which means smaller amounts of money gets distributed across your portfolio. So you really get\n\nChannel 1: Yeah.\n\nChannel 0: to take advantage of the downtimes and the uptimes as well,\n\nChannel 1: Yeah.\n\nChannel 0: and that\n\nChannel 1: No.\n\nChannel 0: can\n\nChannel 1: That's\n\nChannel 0: have\n\nChannel 1: not\n\nChannel 0: a much\n\nChannel 1: good.\n\nChannel 0: greater effect for your super. Absolutely. Yeah.\n\nChannel 1: Not perfect. Yeah.\n\nChannel 0: Fantastic. Excellent. Well, I've got a really good idea of what I wanna do. I've got some really good investments to look at replacing that for you with. I'll just go back and do a little bit of research there.\n\nMy team will give you a call in a couple of weeks just to rebook you back in, and we'll go through the advice piece together. We can do\n\nChannel 1: Yep.\n\nChannel 0: it over the phone in person. Whatever you're comfortable with, I'll make it work, And we'll then we'll come back in six months and do another review with you, and then we'll do another advice piece early next year for the two of you and kind of look at where we're tracking down even further. Okay?\n\nChannel 1: Yes. So\n\nChannel 0: Yep.\n\nChannel 1: sorry. You said in\n\nChannel 0: Yeah.\n\nChannel 1: a couple of weeks, you'll contact Michael about his?\n\nChannel 0: Yes. Yes.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So my team has just finished all the research for that one. I'll get them to give him a call in the next couple of days, and they'll book him in to go through the advice piece with me. Absolutely.\n\nChannel 1: Yes. Perfect.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: No. That sounds great.\n\nChannel 0: Excellent. Moving forward over the next, you know, couple of years, do you have any other goals that you're sort of looking to achieve? It can be anything.\n\nChannel 1: No. Look. We'd like I said, holidays are supposed to be this year, but that is being put on the hold. So and,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, mine I'm just trying to build it so that when we are comfortable, we can you know,\n\nChannel 0: Yeah.\n\nChannel 1: if something if a property comes up that we wanna buy and I'm at the age where I can draw some money out for super because we won't get a loan. We're too old now, and I don't want one.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Like, so if we do find a place, yeah, and the money's available, yeah, you know, within reason type thing or we're\n\nChannel 0: Yeah.\n\nChannel 1: we're ready to find somewhere we wanna settle down, we might do that. And then same thing. The if we if we do take the big lump sum out of mine to purchase the property, then we're gonna just, like, go heavy with, you know,\n\nChannel 0: Yep. Yeah.\n\nChannel 1: with yeah. Anyway, that's that's the plan.\n\nChannel 0: That's okay. What sort of amount would you be comfortable with do you think to buy a property if that sort of opportunity came up? Do you have sort of a a a top and bottom amount you'd be comfortable with?\n\nChannel 1: Well,\n\nChannel 0: Maximum minimum\n\nChannel 1: looking\n\nChannel 0: purchasing?\n\nChannel 1: yeah. Here, it's Service Paradise would be out of out so our price. That's just\n\nChannel 0: Yeah.\n\nChannel 1: ridiculous. The prices now are makes my\n\nChannel 0: Yeah.\n\nChannel 1: eyes water.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. Look. We may not settle stay here. That's what we don't know yet. So that's\n\nChannel 0: Yeah.\n\nChannel 1: why, you know, over the next ten, say, years, we'll be doing a couple of little trips up and down and see, you know, something if we find somewhere we like, then we might look into the market. But, yeah, we still\n\nChannel 0: Yep.\n\nChannel 1: got another at least, would you say, nine years\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: nine years or so for me. So yeah. But\n\nChannel 0: Yeah. No. That's\n\nChannel 1: yeah. My\n\nChannel 0: absolutely\n\nChannel 1: mine's\n\nChannel 0: fine.\n\nChannel 1: to have as much money as I can when I can get to retirement so I can buy a place for us to actually, you know, not have to move and\n\nChannel 0: Yep.\n\nChannel 1: call home. So that's\n\nChannel 0: Yeah.\n\nChannel 1: my plan.\n\nChannel 0: No. That's perfect. I love that. That is absolutely beautiful. And do you sort of know and then, look, this could change nine years.\n\nThere's a lot of differences there. But living expenses wise, do you sorta know what the two of you are going to need to live on on a weekly basis in retirement to be able to survive?\n\nChannel 1: Not really, but I like, that's sorta gonna be a yeah. I worry about the same situation. I just I'd rather like, because we're here now. We have to move again, say, next year because\n\nChannel 0: Yeah.\n\nChannel 1: this this\n\nChannel 0: Right.\n\nChannel 1: unit's up for sale. So, you know, I I'm comfortable that we could both have, like, part time jobs or something and still be\n\nChannel 0: Yep.\n\nChannel 1: able to\n\nChannel 0: Yep.\n\nChannel 1: live comfortably as long as, you know, we weren't having to uproot every 12\n\nChannel 0: Yep.\n\nChannel 1: months, two years type thing. So yeah.\n\nChannel 0: Yep. No. That's okay. That's not a problem at all. And when you do get to retirement, when we kinda go through these sorts of questions and look at, you know, your retirement income, it's always just a kind of a gauge at this point.\n\nWhen you actually\n\nChannel 1: Yep.\n\nChannel 0: get to the point where nine years where you go, hey. I'm ready to retire, then we'll really look at what you need to live on, maybe do a budget planner with you as well and kinda determine\n\nChannel 1: Yep.\n\nChannel 0: what you need expenditure wise and\n\nChannel 1: Yeah.\n\nChannel 0: how long that's gonna last because that's when we can really get into the drawdown side of\n\nChannel 1: Yeah.\n\nChannel 0: things for you\n\nChannel 1: Well,\n\nChannel 0: guys.\n\nChannel 1: that's that's\n\nChannel 0: Yeah.\n\nChannel 1: the plan with drawing a lump sum from Michael's and then paying\n\nChannel 0: Yeah.\n\nChannel 1: our debts so that instead\n\nChannel 0: Absolutely.\n\nChannel 1: of that money going to pay for debt, he can\n\nChannel 0: Yep.\n\nChannel 1: update his like, you know, pay more to his super and we can\n\nChannel 0: Yep.\n\nChannel 1: still live comfortably type situation.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. No.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Excellent. All good. Well, that's basically everything I needed to sort of go through at the moment. Oh, sorry.\n\nThe only other thing is just noting down here, you guys don't have a will and power of attorney\n\nChannel 1: Yep.\n\nChannel 0: set up\n\nChannel 1: No.\n\nChannel 0: as of\n\nChannel 1: I need\n\nChannel 0: yet.\n\nChannel 1: to yeah. We're going to be doing that shortly. We we just had to have our injection\n\nChannel 0: Yep.\n\nChannel 1: for whooping cough. So\n\nChannel 0: Yep.\n\nChannel 1: yeah. We're yeah. But no. Definitely. That'll be something we'll be organizing, yeah, definitely soon.\n\nSo\n\nChannel 0: Fantastic. Fantastic. And beneficiary\n\nChannel 1: have you\n\nChannel 0: nominations. Sorry. You're right, dude.\n\nChannel 1: yeah. Sorry. Do you have anyone you could recommend? Or\n\nChannel 0: We do. There is a local solicitor that I can email you through the details for if you like. They're a local Gold Coast solicitor. We'll\n\nChannel 1: yep.\n\nChannel 0: send you through the details of them and a costing of how much they charge to do up a will. And then if you want us to refer you through, we absolutely can. Otherwise, you can just contact them directly and say, hey.\n\nChannel 1: Yep.\n\nChannel 0: We\n\nChannel 1: Alright.\n\nChannel 0: wanna organize our will. So if you like that, I'll put that email up for you shortly. Easy.\n\nChannel 1: That's perfect. Thank\n\nChannel 0: Yep. That's okay. And beneficiary wise on your life insurance as well as your super,\n\nChannel 1: you.\n\nChannel 0: I'm just double checking the two. So I've got here on your hub 24 super, you wanted it's a binding lapsing nomination, so that means it does need to be updated every three\n\nChannel 1: Yeah.\n\nChannel 0: years, and the next\n\nChannel 1: Yep.\n\nChannel 0: time is in 2027. But you had 25% to Demi, 25% to Lachlan, so 50% to your children, 25% each, and then the other 50% to Michael. Is that right?\n\nChannel 1: Yep. Yeah. That's correct for now. As I said, as\n\nChannel 0: Yep.\n\nChannel 1: we get closer to retirement, I will change that. So\n\nChannel 0: Yeah. I think one of the big things to sort of point out with the are\n\nChannel 1: yep.\n\nChannel 0: they over 18? Are they technically financial dependent?\n\nChannel 1: Yes. They are both. It it was\n\nChannel 0: They\n\nChannel 1: more\n\nChannel 0: are?\n\nChannel 1: it was more for something if something happened to me, then then, you know, at least they would be able to have a deposit for a house or something like that type\n\nChannel 0: Yeah.\n\nChannel 1: of scenario. So\n\nChannel 0: Yep. No. That's\n\nChannel 1: that was\n\nChannel 0: okay.\n\nChannel 1: why I've done it that way. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. But anyway, we'll we'll\n\nChannel 0: That's\n\nChannel 1: look\n\nChannel 0: okay.\n\nChannel 1: at that again in a year or two.\n\nChannel 0: Yeah. Absolutely fine. Happy to keep it as is for you for now, and we'll just adjust that as we need to. We we can always have that sort of in-depth conversation when we come back\n\nChannel 1: Yeah.\n\nChannel 0: next year and reassess everything\n\nChannel 1: Yes.\n\nChannel 0: together jointly and talk about what that looks like for you both. With the MLC, we've got the same thing there. So Demi, Laughlin, and Michael, you're happy with those percentages for the MLC\n\nChannel 1: Yes. Yes.\n\nChannel 0: policy as well? Yep.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Excellent. In the DocuSign, you'll have your ongoing service agreement there as well. So you both\n\nChannel 1: Yep.\n\nChannel 0: do pay us an ongoing service fee. It's 1.10% because we both\n\nChannel 1: Yes.\n\nChannel 0: so we have you both on board looking after both of you. And I do sort of like this agent stage because once having both of you here as clients means we can do that joint advice. One\n\nChannel 1: Yep.\n\nChannel 0: of the biggest things as we get closer to actually accessing super looking at, you know, in that nine year period and when we get to looking at Centrelink eligibility and things like that, taking all of your circumstances and both your super balances does work. So it's really great to be able to do that advice piece together and really sort of note out what's happening as a family for you guys. So\n\nChannel 1: Yes. Yep.\n\nChannel 0: I get a bit excited about that. Sorry. Yeah. Let's have a look at that DocuSign. If you find there's any questions, please let me know.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. That's fine. There was\n\nChannel 0: Easy.\n\nChannel 1: one thing I was gonna do. Like, we have a new grandchild coming in September, and I'd\n\nChannel 0: Oh,\n\nChannel 1: we already have\n\nChannel 0: congratulations.\n\nChannel 1: one grandchild. So\n\nChannel 0: Yeah.\n\nChannel 1: what is what is the best option now? They say if I wanted to put a little bit of money away for them for to buy a car when they turn, you know, 20 or something, what what would be the best option for that type of\n\nChannel 0: Depending\n\nChannel 1: scenario now?\n\nChannel 0: depending on what you wanted to do. So you can just start off with a bank account in your name. If you put\n\nChannel 1: Yep.\n\nChannel 0: it in the child's name directly, it does mean they have to get a tax file number. So bank accounts do work if you've only got a small amount of money. Alternatively,\n\nChannel 1: Yep.\n\nChannel 0: if you guys wanted to invest something and have it working a lot more, we do have access to child builder bonds, and they're\n\nChannel 1: Yep.\n\nChannel 0: essentially an insurance product. So it's an an investment bond. You start off with as little as a thousand dollars. And as long as\n\nChannel 1: Yep.\n\nChannel 0: you're putting regular amounts in sort of every month or every year, that money is held in trust in the bond for the child. And\n\nChannel 1: Yep.\n\nChannel 0: then\n\nChannel 1: Yeah.\n\nChannel 0: when\n\nChannel 1: Okay.\n\nChannel 0: they meet a certain age, they can essentially as long as that bond's been held for ten years, they can actually receive that income completely tax free\n\nChannel 1: Yeah.\n\nChannel 0: when that\n\nChannel 1: Okay.\n\nChannel 0: just get handed over to them. It essentially goes into your name in trust four, but the\n\nChannel 1: Yes.\n\nChannel 0: child is the beneficiary of that bond. And, normally, you can hold it up to the age of 25, and then it gets vested or transferred to the child.\n\nChannel 1: Yeah.\n\nChannel 0: The\n\nChannel 1: Okay.\n\nChannel 0: benefit of these sorts of things is most investments, if you are putting money into them, you have to account for as part of your personal tax return. But these investment bonds with the structure they are, you don't. Any income or any capital gains\n\nChannel 1: Yes.\n\nChannel 0: within the bond is all\n\nChannel 1: What?\n\nChannel 0: looked after in the actual bond itself.\n\nChannel 1: Actual\n\nChannel 0: There's\n\nChannel 1: bond\n\nChannel 0: no,\n\nChannel 1: itself.\n\nChannel 0: yeah, no consequences for your personal tax side of things. And the\n\nChannel 1: Yep.\n\nChannel 0: same thing, if it's if it's held for ten years and then vested to the child or transferred to the child, they can then be drawing income as a lump sum or regular income payments however they want, And\n\nChannel 1: Yeah.\n\nChannel 0: it's all tax free for them, which is fantastic. It's a great little nest egg\n\nChannel 1: Yeah.\n\nChannel 0: or a great little way of building, you know, future money\n\nChannel 1: Yeah.\n\nChannel 0: for our\n\nChannel 1: Well,\n\nChannel 0: grandchildren. Yeah.\n\nChannel 1: as I said, my my my grandmother did it for me. I think it was $5 when she sold the house. And, I mean, it wasn't\n\nChannel 0: Yeah.\n\nChannel 1: much, but it was just something that\n\nChannel 0: Yeah.\n\nChannel 1: I'd like to do for the grandchildren. So\n\nChannel 0: Yeah.\n\nChannel 1: but anyway,\n\nChannel 0: Absolutely.\n\nChannel 1: we might talk about that in January if that's okay. We might like,\n\nChannel 0: Yeah.\n\nChannel 1: I'll\n\nChannel 0: Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: No. Perfect. Not a problem at all. I love doing things like that. I'll make that as a medium term goal for you.\n\nAnd,\n\nChannel 1: Yep.\n\nChannel 0: yeah, have a chat to Michael about those options. And when we meet in January and do the big joint advice case,\n\nChannel 1: Yes.\n\nChannel 0: then we'll kind of consider all those other options for you as well. I love it.\n\nChannel 1: Yeah. No. That sounds great.\n\nChannel 0: Fantastic.\n\nChannel 1: Awesome.\n\nChannel 0: All good.\n\nChannel 1: Thank\n\nChannel 0: Well,\n\nChannel 1: you.\n\nChannel 0: thank you. My pleasure. You have a lovely night, Judith. Thank you so much for your time.\n\nChannel 1: I will. Okay. Thank you. Talk\n\nChannel 0: Easy.\n\nChannel 1: soon.\n\nChannel 0: Thanks so much. Will do. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Leave a message.","start":0.39999998,"end":1.3,"sentiment":"neutral","sentiment_score":0.006424776278436184}],"sentiment":"neutral","sentiment_score":0.006424776278436184,"channel":1,"num_words":3,"start":0.39999998,"end":1.3},{"sentences":[{"text":"Hi, Judith.","start":4.96,"end":5.6,"sentiment":"neutral","sentiment_score":0.08670537173748016},{"text":"It's Dana from Oakey Financial.","start":5.6,"end":7.2,"sentiment":"neutral","sentiment_score":0.1179817721247673},{"text":"I had you booked in this afternoon to go through your annual review.","start":7.2,"end":9.92,"sentiment":"neutral","sentiment_score":0.14325700585658735},{"text":"If you can please call me back on 130160796.","start":9.92,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.12045689341094759},{"text":"Thank you, and I hope you're having a great 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anyway,","start":2361.5598,"end":2362.1199,"sentiment":"neutral","sentiment_score":0.05141730420291424}],"sentiment":"neutral","sentiment_score":0.05141730420291424,"channel":1,"num_words":2,"start":2361.5598,"end":2362.1199},{"sentences":[{"text":"Absolutely.","start":2362.0652,"end":2362.5652,"sentiment":"neutral","sentiment_score":0.14618314802646637}],"sentiment":"neutral","sentiment_score":0.14618314802646637,"channel":0,"num_words":1,"start":2362.0652,"end":2362.5652},{"sentences":[{"text":"we might talk about that in January if that's okay.","start":2362.1199,"end":2364.92,"sentiment":"neutral","sentiment_score":0.12431994527578354},{"text":"We might 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a problem at all.","start":2368.88,"end":2369.68,"sentiment":"positive","sentiment_score":0.4966724157333374},{"text":"I love doing things like that.","start":2369.68,"end":2370.88,"sentiment":"positive","sentiment_score":0.7625341415405273},{"text":"I'll make that as a medium term goal for you.","start":2370.88,"end":2373.38,"sentiment":"positive","sentiment_score":0.5857533514499664}],"sentiment":"positive","sentiment_score":0.5842391155336214,"channel":0,"num_words":23,"start":2368.08,"end":2373.38},{"sentences":[{"text":"And,","start":2373.52,"end":2373.76,"sentiment":"neutral","sentiment_score":0.227909654378891}],"sentiment":"neutral","sentiment_score":0.227909654378891,"channel":0,"num_words":1,"start":2373.52,"end":2373.76},{"sentences":[{"text":"Yep.","start":2373.685,"end":2374.185,"sentiment":"neutral","sentiment_score":0.22225773334503177}],"sentiment":"neutral","sentiment_score":0.22225773334503177,"channel":1,"num_words":1,"start":2373.685,"end":2374.185},{"sentences":[{"text":"yeah, have a chat to Michael about those options.","start":2373.76,"end":2375.68,"sentiment":"neutral","sentiment_score":0.2751118110285865},{"text":"And when we meet in January and do the big joint advice case,","start":2375.68,"end":2379.595,"sentiment":"neutral","sentiment_score":0.15815245532072508}],"sentiment":"neutral","sentiment_score":0.2059994644739411,"channel":0,"num_words":22,"start":2373.76,"end":2379.595},{"sentences":[{"text":"Yes.","start":2380.0051,"end":2380.5051,"sentiment":"neutral","sentiment_score":0.15029257535934448}],"sentiment":"neutral","sentiment_score":0.15029257535934448,"channel":1,"num_words":1,"start":2380.0051,"end":2380.5051},{"sentences":[{"text":"then we'll kind of consider all those other options for you as well.","start":2380.055,"end":2383.175,"sentiment":"neutral","sentiment_score":0.27784939912649304},{"text":"I love it.","start":2383.175,"end":2383.9949,"sentiment":"positive","sentiment_score":0.7393703858057658}],"sentiment":"positive","sentiment_score":0.36438458412885666,"channel":0,"num_words":16,"start":2380.055,"end":2383.9949},{"sentences":[{"text":"Yeah.","start":2383.54,"end":2384.04,"sentiment":"positive","sentiment_score":0.34425798058509827},{"text":"No.","start":2384.18,"end":2384.42,"sentiment":"neutral","sentiment_score":0.2802444100379944},{"text":"That sounds 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good.","start":2386.2148,"end":2386.935,"sentiment":"positive","sentiment_score":0.7352879345417023}],"sentiment":"positive","sentiment_score":0.7352879345417023,"channel":0,"num_words":2,"start":2386.2148,"end":2386.935},{"sentences":[{"text":"Thank","start":2386.82,"end":2387.06,"sentiment":"positive","sentiment_score":0.6927993297576904}],"sentiment":"positive","sentiment_score":0.6927993297576904,"channel":1,"num_words":1,"start":2386.82,"end":2387.06},{"sentences":[{"text":"Well,","start":2386.935,"end":2387.415,"sentiment":"positive","sentiment_score":0.6287491321563721}],"sentiment":"positive","sentiment_score":0.6287491321563721,"channel":0,"num_words":1,"start":2386.935,"end":2387.415},{"sentences":[{"text":"you.","start":2387.06,"end":2387.56,"sentiment":"positive","sentiment_score":0.6348468065261841}],"sentiment":"positive","sentiment_score":0.6348468065261841,"channel":1,"num_words":1,"start":2387.06,"end":2387.56},{"sentences":[{"text":"thank you.","start":2387.415,"end":2388.055,"sentiment":"positive","sentiment_score":0.7265120148658752},{"text":"My pleasure.","start":2388.055,"end":2388.6948,"sentiment":"positive","sentiment_score":0.7957736849784851},{"text":"You have a lovely night, Judith.","start":2388.6948,"end":2390.2148,"sentiment":"positive","sentiment_score":0.8181983331839243},{"text":"Thank you so much for your time.","start":2390.2148,"end":2391.755,"sentiment":"positive","sentiment_score":0.8372863956860134}],"sentiment":"positive","sentiment_score":0.8126333040349624,"channel":0,"num_words":17,"start":2387.415,"end":2391.755},{"sentences":[{"text":"I will.","start":2392.1829,"end":2392.8428,"sentiment":"positive","sentiment_score":0.4680737853050232},{"text":"Okay.","start":2393.1428,"end":2393.463,"sentiment":"positive","sentiment_score":0.33949851989746094},{"text":"Thank you.","start":2393.463,"end":2394.1028,"sentiment":"positive","sentiment_score":0.5695640444755554},{"text":"Talk","start":2394.1028,"end":2394.4229,"sentiment":"positive","sentiment_score":0.46168333292007446}],"sentiment":"positive","sentiment_score":0.4794095853964488,"channel":1,"num_words":6,"start":2392.1829,"end":2394.4229},{"sentences":[{"text":"Easy.","start":2394.193,"end":2394.673,"sentiment":"positive","sentiment_score":0.3619743287563324}],"sentiment":"positive","sentiment_score":0.3619743287563324,"channel":0,"num_words":1,"start":2394.193,"end":2394.673},{"sentences":[{"text":"soon.","start":2394.4229,"end":2394.9229,"sentiment":"positive","sentiment_score":0.3452366888523102}],"sentiment":"positive","sentiment_score":0.3452366888523102,"channel":1,"num_words":1,"start":2394.4229,"end":2394.9229},{"sentences":[{"text":"Thanks so much.","start":2394.673,"end":2395.633,"sentiment":"positive","sentiment_score":0.7518258690834045},{"text":"Will do.","start":2395.633,"end":2396.113,"sentiment":"positive","sentiment_score":0.5144406408071518},{"text":"See you later.","start":2396.113,"end":2396.933,"sentiment":"positive","sentiment_score":0.4399593373139699}],"sentiment":"positive","sentiment_score":0.5755296126008034,"channel":0,"num_words":8,"start":2394.673,"end":2396.933},{"sentences":[{"text":"Bye.","start":2397.3027,"end":2397.8027,"sentiment":"neutral","sentiment_score":0.20884720981121063}],"sentiment":"neutral","sentiment_score":0.20884720981121063,"channel":1,"num_words":1,"start":2397.3027,"end":2397.8027},{"sentences":[{"text":"Bye.","start":2397.633,"end":2398.133,"sentiment":"neutral","sentiment_score":-0.10732248425483704}],"sentiment":"neutral","sentiment_score":-0.10732248425483704,"channel":0,"num_words":1,"start":2397.633,"end":2398.133}]},"summary":{"result":"success","short":"During a call with Oakey Financial, the representative confirms Judith's appointment for an annual review and discusses retirement plans and updating her portfolio. They also discuss her retirement strategy and investment strategy, including savings and reducing risk levels. The speaker emphasizes reducing risk levels and maximizing returns, and provides advice for starting a new job and managing a portfolio. They also discuss options for reducing risk levels and adjusting risk levels in a portfolio, including removing a Bann 235 investment and putting in a passive investment. The customer and agent discuss their retirement plans, insurance policy, and beneficiary information for life insurance and policy. They agree to meet again in January to discuss other options."},"intents":{"segments":[{"text":"Hi, Judith. It's Dana from Oakey Financial. I had you booked in this afternoon to go through your annual review. If you can please call me back on 130160796.","start_word":3,"end_word":31,"intents":[{"intent":"Request call back","confidence_score":0.06854539}]},{"text":"Thank you, and I hope you're having a great day.","start_word":32,"end_word":41,"intents":[{"intent":"Express gratitude","confidence_score":0.0891599}]},{"text":"I did have you booked in just to run through your annual review. There is now still a good time for you. Yes. Yeah.","start_word":141,"end_word":164,"intents":[{"intent":"Confirm booking","confidence_score":0.062667504}]},{"text":"And just to do a really quick security check there with you just to confirm your full name, your date of birth, and address I should have on file. Yep.","start_word":229,"end_word":258,"intents":[{"intent":"Verify identity","confidence_score":0.00025387117}]},{"text":"And my my address has probably changed. I don't know that I've got the correct one. It was 2916 Gold Coast Highway, but it's we've moved since then. So I'm not sure if I updated. I might have updated on Hub 24, but not with Yeah.","start_word":268,"end_word":313,"intents":[{"intent":"Confirm address","confidence_score":0.2284662}]},{"text":"So I still do have the 2916 Gold Coast Highway, but I'm pretty Yep. sure I've updated it the other week on Michael's files.","start_word":340,"end_word":363,"intents":[{"intent":"Update information","confidence_score":0.42565805}]},{"text":"let's That's talk about my future. Absolutely. Absolutely.","start_word":509,"end_word":516,"intents":[{"intent":"Discuss future plans","confidence_score":0.054556455}]},{"text":"And I'll do, like, a joint advice document at the end of the year, maybe.","start_word":1000,"end_word":1014,"intents":[{"intent":"Share advisor notes","confidence_score":8.9586143e-7}]},{"text":"seen a net return after fees of 6.09 percent, which is a good return That is.","start_word":1318,"end_word":1333,"intents":[{"intent":"Report portfolio performance","confidence_score":0.024400622}]},{"text":"I have also noted in your portfolio, you've got an investment that's underperforming. So I do wanna update the advice now and have that one completely removed there for you. Yes.","start_word":1469,"end_word":1499,"intents":[{"intent":"Update portfolio and advice","confidence_score":0.004122281}]},{"text":"at what stage do you take money out of MLC and put it in?","start_word":1700,"end_word":1713,"intents":[{"intent":"Inquire about mlc financial arrangements","confidence_score":0.000068355606}]},{"text":"insurance as being about $2. So the insurance is at MLC at the moment. You're paying about $1,800 for those for this year. So I'll probably leave just a little bit more than 10,000 in there plus an additional 2 just Yep. to cover your insurance premium Yeah.","start_word":1736,"end_word":1783,"intents":[{"intent":"Ask about insurance premium","confidence_score":0.0057463106}]},{"text":"So the insurance is at MLC at the moment. You're paying about $1,800 for those for this year. So I'll probably leave just a little bit more than 10,000 in there plus an additional 2 just Yep. to cover your insurance premium Yeah.","start_word":1741,"end_word":1783,"intents":[{"intent":"Explain insurance situation","confidence_score":0.022493226}]},{"text":"Because that's because Marco doesn't have any of that, does he? Because he's too old now. So when we moved it Yeah.","start_word":1803,"end_word":1824,"intents":[{"intent":"Confirm understanding","confidence_score":0.0075451816}]},{"text":"And we are looking to provide advice to Michael to sort of help, you know, with him starting to access some of his super and then sort of build on that afterwards. Are you Yep.","start_word":2389,"end_word":2423,"intents":[{"intent":"Provide advice","confidence_score":0.84341395}]},{"text":"we might review that even, you know, in twelve months time when, hopefully, we've got some savings and, Yep. you know, we're doing it that way. So yeah.","start_word":2496,"end_word":2523,"intents":[{"intent":"Discuss savings","confidence_score":0.04092623},{"intent":"Review financial information","confidence_score":0.00023700394}]},{"text":"They're both in my name. They're not actually mix any of mix, but he's gonna pay them out for me so we can be out of debt. Sounds good.","start_word":2721,"end_word":2749,"intents":[{"intent":"Update finances","confidence_score":0.0065476494}]},{"text":"So that brought it down and, you know, and then with Michael not working for a few weeks last year, we sort of used that to cover his income. Yes. Yes.","start_word":3033,"end_word":3063,"intents":[{"intent":"Cover income","confidence_score":0.15050475},{"intent":"Share income","confidence_score":0.000021002132}]},{"text":"I've I just did that pending. So at the moment, funds are looking about 2,000 savings, and then we started Yep. the we call it the $27.50 account because it's 20 Yep. $7.50 a day we transfer. Yep. And then, yeah, by twelve months' time, we have 10,000. So yeah.","start_word":3087,"end_word":3136,"intents":[{"intent":"Maintain savings","confidence_score":0.0020977263}]},{"text":"50 a day we transfer. Yep.","start_word":3120,"end_word":3125,"intents":[{"intent":"Transfer funds","confidence_score":0.23842618}]},{"text":"I think with my daughters, because they're 19 and 20, they're sort of learning that aspect now.","start_word":3237,"end_word":3253,"intents":[{"intent":"Discuss educational experience","confidence_score":0.00016840825}]},{"text":"the big things with the investment structures is the Bannalong investment that you had in there was originally placed in there. The idea is it's more of an actively managed fund, so the investment manager is trying to outperform against the market. They are Yep. supposed to be buying and selling in a way that, you know, they pick the top and the bottom or as close to as they possibly can. Yep.","start_word":3525,"end_word":3597,"intents":[{"intent":"Discuss investment structures and investments and maximize portfolio diversification","confidence_score":3.819942e-10}]},{"text":"I I if you if you think it would benefit, yeah, I'd be happy to proceed. So Mhmm.","start_word":3737,"end_word":3754,"intents":[{"intent":"Evaluate financial advice","confidence_score":0.080657065}]},{"text":"The when you sort of think about risk in your portfolio, do you kind of feel like you're comfortable taking on a higher level of risk in order to get those greater returns knowing that in a down period or at times where you are feeling uncertain and the markets are, you know, going up and down quite drastically like this year, that you can see those dips and feel those dips.","start_word":4066,"end_word":4137,"intents":[{"intent":"Discuss risk","confidence_score":0.003651383}]},{"text":"our portfolios are structured, we start with aggressive, which is all a 100% inequities. There's no defensive investments. Then we go high growth, then it's growth, which is you where you're sort of sitting at the moment. It's an eighty twenty split. Yep.","start_word":4454,"end_word":4496,"intents":[{"intent":"Discuss portfolio structure and strategy","confidence_score":0.007887071}]},{"text":"So you can sort of see taking on more risk, you get greater returns, but the downside Yes. is also larger. And where you are at the moment is more in the middle. You're sort of sitting in that medium range, about a three out of five when you think about the risk scale. Yep.","start_word":4952,"end_word":5006,"intents":[{"intent":"Guide investors","confidence_score":0.0001309571}]},{"text":"can look at other ways to reduce the risk level. So, like, if I remove the Bannalong from your portfolio, I can look at an investment that has more investments in it. So to give you a bit of an example, that Bannalong Australian Equities investment, they generally hold about 15 to 25 different investments depending on what they're invested in within their in that Yeah.","start_word":5211,"end_word":5276,"intents":[{"intent":"Consider portfolio options","confidence_score":0.0020198778}]},{"text":"I'll look at adjusting yeah. your super, look at, you know, making sure MLC is working properly. We'll move some money into Yep. hub as well and do a rollover. Yeah.","start_word":5518,"end_word":5548,"intents":[{"intent":"Adjust super","confidence_score":0.067012206}]},{"text":"your insurances as they are, and then we can also make sure that in the next six months, so that'd be around about December, we then check-in.","start_word":5554,"end_word":5580,"intents":[{"intent":"Hold insurances","confidence_score":0.011441444}]},{"text":"we'll have a checkup before the Christmas break, and then we'll come back early next year, and we'll do an advice piece for both of you and reassess everything. Does that sound okay? Yeah.","start_word":5611,"end_word":5644,"intents":[{"intent":"Reassess work","confidence_score":0.01058787}]},{"text":"Because then I'll hopefully, I'll have a new job and I'll be able to work out, you know, if I can put more in or if 60 is Yep. still gonna $60 a week is still gonna be enough. Yep.","start_word":5649,"end_word":5688,"intents":[{"intent":"Work out","confidence_score":0.1027221}]},{"text":"still gonna $60 a week is still gonna be enough. Yep.","start_word":5678,"end_word":5688,"intents":[{"intent":"Ensure payroll availability","confidence_score":0.000002217735}]},{"text":"the way it used to be was you'd be putting, you know, your employer's putting in a a larger chunk of money sort of once every month or every three months Yeah.","start_word":5731,"end_word":5762,"intents":[{"intent":"Help with payroll investments","confidence_score":9.92584e-7}]},{"text":"My team will give you a call in a couple of weeks just to rebook you back in, and we'll go through the advice piece together. We can do Yep.","start_word":5891,"end_word":5920,"intents":[{"intent":"Rebook","confidence_score":0.074945174}]},{"text":"it over the phone in person. Whatever you're comfortable with, I'll make it work, And we'll then we'll come back in six months and do another review with you, and then we'll do another advice piece early next year for the two of you and kind of look at where we're tracking down even further. Okay? Yes.","start_word":5921,"end_word":5977,"intents":[{"intent":"Review","confidence_score":0.01754546}]},{"text":"a couple of weeks, you'll contact Michael about his? Yes.","start_word":5985,"end_word":5994,"intents":[{"intent":"Reach out","confidence_score":0.19377661}]},{"text":"So my team has just finished all the research for that one. I'll get them to give him a call in the next couple of days, and they'll book him in to go through the advice piece with me. Absolutely. Yes.","start_word":5998,"end_word":6038,"intents":[{"intent":"Do research","confidence_score":0.02853478}]},{"text":"yeah, mine I'm just trying to build it so that when we are comfortable, we can you know, Yeah.","start_word":6100,"end_word":6118,"intents":[{"intent":"Build","confidence_score":0.56205714},{"intent":"Build","confidence_score":0.19123238}]},{"text":"if something if a property comes up that we wanna buy and I'm at the age where I can draw some money out for super because we won't get a loan. We're too old now, and I don't want one. Yeah. Yeah.","start_word":6119,"end_word":6160,"intents":[{"intent":"Get a loan","confidence_score":0.020658018}]},{"text":"What sort of amount would you be comfortable with do you think to buy a property if that sort of opportunity came up? Do you have sort of a a a top and bottom amount you'd be comfortable with? Well, Maximum minimum looking purchasing?","start_word":6240,"end_word":6283,"intents":[{"intent":"Determine desired purchasing amount","confidence_score":0.00011405931}]},{"text":"We have to move again, say, next year because Yeah. this this Right. unit's up for sale. So, you know, I I'm comfortable that we could both have, like, part time jobs or something and still be Yep. able to Yep. live comfortably as long as, you know, we weren't having to uproot every 12 Yep. months, two years type thing. So yeah.","start_word":6526,"end_word":6588,"intents":[{"intent":"Discuss maintenance","confidence_score":0.00004050061}]},{"text":"And when you do get to retirement, when we kinda go through these sorts of questions and look at, you know, your retirement income, it's always just a kind of a gauge at this point.","start_word":6599,"end_word":6633,"intents":[{"intent":"Clarify retirement plan","confidence_score":0.004210031}]},{"text":"And when you do get to retirement, when we kinda go through these sorts of questions and look at, you know, your retirement income, it's always just a kind of a gauge at this point. When you actually Yep.","start_word":6599,"end_word":6637,"intents":[{"intent":"Discuss retirement income","confidence_score":0.06309304},{"intent":"Discuss retirement income","confidence_score":0.48134115},{"intent":"Discuss retirement benefits","confidence_score":0.0039837174},{"intent":"Discuss retirement income","confidence_score":0.24839276}]},{"text":"of that money going to pay for debt, he can Yep. update his like, you know, pay more to his super and we can Yep. still live comfortably type situation. Yeah. Yeah.","start_word":6729,"end_word":6760,"intents":[{"intent":"Update williams","confidence_score":0.034040976}]},{"text":"The only other thing is just noting down here, you guys don't have a will and power of attorney Yep. set up No.","start_word":6784,"end_word":6806,"intents":[{"intent":"Discuss will and power of attorney","confidence_score":0.43661293}]},{"text":"There is a local solicitor that I can email you through the details for if you like. They're a local Gold Coast solicitor. We'll yep. send you through the details of them and a costing of how much they charge to do up a will.","start_word":6874,"end_word":6918,"intents":[{"intent":"Provide solicitor details","confidence_score":0.0004305133}]},{"text":"Happy to keep it as is for you for now, and we'll just adjust that as we need to.","start_word":7177,"end_word":7195,"intents":[{"intent":"Adjust policy","confidence_score":0.041098475}]},{"text":"So you both Yep. do pay us an ongoing service fee. It's 1.10% because we both Yes.","start_word":7271,"end_word":7287,"intents":[{"intent":"Obtain service fee","confidence_score":0.0048119063}]},{"text":"of the biggest things as we get closer to actually accessing super looking at, you know, in that nine year period and when we get to looking at Centrelink eligibility and things like that, taking all of your circumstances and both your super balances does work. So it's really great to be able to do that advice piece together and really sort of note out what's happening as a family for you guys. So Yes.","start_word":7327,"end_word":7401,"intents":[{"intent":"Understand advice","confidence_score":0.001252671},{"intent":"Apply to centreslink eligibility","confidence_score":0.0000052787577}]},{"text":"one grandchild. So Yeah.","start_word":7460,"end_word":7463,"intents":[{"intent":"Congratulate on new grandchild","confidence_score":0.0327949}]},{"text":"what is what is the best option now?","start_word":7464,"end_word":7471,"intents":[{"intent":"Ask about options","confidence_score":0.001313614}]},{"text":"it in the child's name directly, it does mean they have to get a tax file number. So bank accounts do work if you've only got a small amount of money. Alternatively, Yep.","start_word":7539,"end_word":7571,"intents":[{"intent":"Inquire about tax options","confidence_score":0.0000083363}]}]},"sentiments":{"segments":[{"text":"Leave a message. Hi, Judith. It's Dana from Oakey Financial. I had you booked in this afternoon to go through your annual review. If you can please call me back on 130160796.","start_word":0,"end_word":31,"sentiment":"neutral","sentiment_score":0.11360836029052734},{"text":"Thank you, and I hope you're having a great day.","start_word":32,"end_word":41,"sentiment":"positive","sentiment_score":0.6192624568939209},{"text":"Hello? Sorry. Hi, Judith. You there. So Yes. sorry. Sorry. Can I had you in my pocket, and as I'm you trying that's to pull you okay. out, I must have put it on mute or something. Can you hear me? Yeah. I can Yes. now. Yeah. Perfect. It just beeps, and I left you a a message. So if you get a text or a missed call, it's just me. Cool. Yeah. Because I'm thinking I know. I'm I've got you in my hot pocket waiting, but yeah. No. That's all good. Honestly, not an issue at all. I did have you booked in just to run through your annual review.","start_word":42,"end_word":153,"sentiment":"neutral","sentiment_score":0.06705450266599655},{"text":"There is now still a good time for you.","start_word":154,"end_word":162,"sentiment":"positive","sentiment_score":0.3872252106666565},{"text":"Yes. Yeah.","start_word":163,"end_word":164,"sentiment":"neutral","sentiment_score":0.23719634115695953},{"text":"That's perfect.","start_word":165,"end_word":166,"sentiment":"positive","sentiment_score":0.4520971477031708},{"text":"The I'm just I'm just packing up. So I'll just yeah? lock the doors and I'll be out soon, but now it's all good. You can talk away.","start_word":167,"end_word":194,"sentiment":"neutral","sentiment_score":0.2295282930135727},{"text":"Fantastic.","start_word":195,"end_word":195,"sentiment":"positive","sentiment_score":0.4696255922317505},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. Certainly. Fantastic. And just to do a really quick security check there with you just to confirm your full name, your date of birth, and address I should have on file. Yep. Judith Louise Tozer, t o zed e r. Yep. And my my address has probably changed. I don't know that I've got the correct one. It was 2916 Gold Coast Highway, but it's we've moved since then. So I'm not sure if I updated. I might have updated on Hub 24, but not with Yeah. you guys. That's that's okay. I will quickly just pop in there and grab that for you just to reconfirm it. Yep. Have a look. Yeah. So I still do have the 2916 Gold Coast Highway, but I'm pretty Yep. sure I've updated it the other week on Michael's files. So I'll just Yeah. go We back and grab yeah. that. That's right. Yeah. I I know I know where I live now. 1203. You're right. 12 So it's so much free. Yep. 1203 slash hang on. 12 Endley Avenue, Service Paradise. Of Endelie Avenue Service. Yep. Paradise.","start_word":196,"end_word":411,"sentiment":"neutral","sentiment_score":0.06785961751032758},{"text":"Beautiful. I'll make sure it's updated on everywhere for you. Fantastic. Thank you. That's okay.","start_word":412,"end_word":426,"sentiment":"positive","sentiment_score":0.504388153553009},{"text":"Not a problem at all. And yeah.","start_word":427,"end_word":433,"sentiment":"neutral","sentiment_score":0.29174745082855225},{"text":"Perfect.","start_word":434,"end_word":434,"sentiment":"positive","sentiment_score":0.4606454372406006},{"text":"So how's your day been? You're still packing up and finishing up? Oh, flat out. Like, it's just ridiculous. Like, property is meant to be you know, real estate is meant to be slowing down a bit, but Yeah. It's not. I'm just I'm ready to chuck it in now. Unfortunately, it's not Yeah. yeah. It's just not like, I'm just over being, you know, pulled and straight anyway, long story. Yeah. Anyway, No. let's That's talk about my future. Absolutely. Absolutely. So when are you because you're 56 this year, aren't you? Yes. That's correct. Yeah. Are you still wanting to sort of access super around about the age of 60, Mark, or when is it that you're actually wanting to sort of stop working and hopefully Well, enjoy those time it is? yeah, my look. I'm possibly Mhmm. going gonna be out priced, Like, you know, when we started this, I thought, oh, yeah. Around that time, blah blah blah. Yep. You know, looking at 67. Yeah. But I don't think we'll like, what my plan was to use my super when I retire or get Yep. you close enough to retiring to buy somewhere and Yes. have, you know, savings enough for to get through that little retirement bit. Yep. Yeah. But, unfortunately, I think with the way the market's going, yeah, I'll just be happy with anything. So Yeah. but, yeah, Yeah. still still, you know, like, I'm still comfortable, like, I'm because I drew did that big draw out. I Mhmm. am I'm paying extra. Yep. But I'm finally we are struggling a little bit. Michael's been not well, so he hasn't been getting his full income, you know, Okay. that. But Yeah. at the moment, it's, you know, like, I'm getting it as a what do you call it? Not fringe benefit. What is it where you they draw it out before I pay tax? Oh, you're salary sacrificing? So we're sacrificing it. So Yep. yeah. Yep. So but that was just, like my plan was to do extra like, I'm paying, I think, $60 a week. Yes. Yeah. Yeah. And that's was to pay back, you know, so within seven years to pay Yeah. back the 70 that I took out. So Yeah. No. That's okay. Are you wanting to look at increasing that down the track to kinda give it a last little bit of a boost towards social Well, time that you used to see if we can get yes. you It retired earlier? sorry. Definitely wants Yeah. like, that's why we plan to do with Michael's is get out of debt. No no more loans. Get out a new car because we'll, you know, be down that road rather than have a loan for Yes. a That's new car. it. And then Yeah. both of us, yeah, just, like, trying to get as much in as we can Boost within it back in. Yeah. yeah. Yeah. No. Absolutely.","start_word":435,"end_word":932,"sentiment":"neutral","sentiment_score":-0.0276683142116989},{"text":"And I've nearly got that advice ready to go, which should be fantastic to Awesome. get sorted for you guys.","start_word":933,"end_word":952,"sentiment":"positive","sentiment_score":0.45218098163604736},{"text":"Yep.","start_word":953,"end_word":953,"sentiment":"neutral","sentiment_score":0.2524968981742859},{"text":"Beautiful.","start_word":954,"end_word":954,"sentiment":"positive","sentiment_score":0.5915735960006714},{"text":"So we'll keep it at $60 at the moment, sort of see how Yeah. everything goes with Michael, and then we'll kind of maybe once we go through his advice and Yep. I come back, we might maybe talk to the both of you. Yes. And I'll do, like, a joint advice document at the end of the year, maybe. I think Yeah. we sort of talked about when he's gonna retires, maybe do a joint advice piece after that, Yeah. and kind of look at how we boost things on those last couple of years a bit more for you both. Does that sound Yep. okay?","start_word":955,"end_word":1061,"sentiment":"neutral","sentiment_score":0.10240509562960295},{"text":"Perfect.","start_word":1062,"end_word":1062,"sentiment":"positive","sentiment_score":0.5503909587860107},{"text":"Yep.","start_word":1063,"end_word":1063,"sentiment":"neutral","sentiment_score":0.2599110007286072},{"text":"Yep. That sounds Fantastic. great. I love that.","start_word":1064,"end_word":1071,"sentiment":"positive","sentiment_score":0.6981041431427002},{"text":"So we'll say joint advice piece is both of you down the track. We'll get his Yep. retirement side of things sorted, and then Yep. we'll come back and I'll have a chat with both of you after we do that, and then we'll update the advice and kind of go forward with both of you as a joint piece. So you can sort of see where you're both tracking, where Yes. you're both heading moving forward, and what we need to do to kinda help you both along. Okay? Yeah. Yep. Do you do Beautiful. you have an estimate? Like, say the pace I'm going at the moment or the, you know, Mhmm. the amount. What Yep. what would you estimate? Say it's 60 Yeah. 5. What would my balance be? Yeah.","start_word":1072,"end_word":1204,"sentiment":"neutral","sentiment_score":0.19371767342090607},{"text":"I can absolutely do that for you.","start_word":1205,"end_word":1211,"sentiment":"positive","sentiment_score":0.3864535689353943},{"text":"What I will do is I've had a bit of a look at I need to go back and do a couple of projections to kinda show you Yep. what that looks like. Yeah. But I have, as part of this, had a bit of a look at your portfolio. So I have sort of noted and, look, your balance has been going really, really well. When we kind Yep. of look back at your annual review last year, your balance is about a 150,060. Your balance as of now is a 166,000 Yep. 5 Yeah. 134. So it has definitely increased. We have Yes.","start_word":1212,"end_word":1316,"sentiment":"neutral","sentiment_score":0.11467711627483368},{"text":"seen a net return after fees of 6.09 percent, which is a good return That is.","start_word":1317,"end_word":1332,"sentiment":"positive","sentiment_score":0.3914715647697449},{"text":"Yeah. for the kind of portfolio you're in at the moment. It is a little bit low for where we'd like it to be. So when you're in that Yeah. growth portfolio side of things, we kind of wanna see you averaging around about a seven to 9% return, and that's Okay. kind of the range we're hoping for on a yearly basis and compounding forward. This year, with the ups and downs in the market and what's been going on, we have sort of seen a lot more ups and downs, and it has meant that the the returns are a little bit lower than expected. So Yes. I'm happy that you've still come up with a good return, but it Yep. is a bit lower than what we sort of like to see. Yes. I have also noted in your portfolio, you've got an investment that's underperforming. So I do wanna update the advice now and have that one completely removed there for you. Yes. That way, we can maybe update the portfolio, update your projections on what we're tracking for now, and then we'll come back after I've done Michael's next piece of advice after he's drawn out that money, and then we can kinda come back and do another joint advice piece for you guys early next year Yeah. and Yeah. keep That'd tracking be good. forward and update things. Does that sound okay for you? Yes. Yes? Yes. That Yep. does that Beautiful. does. Yes.","start_word":1333,"end_word":1582,"sentiment":"neutral","sentiment_score":0.009440935216844082},{"text":"Excellent. Excellent. So your balance is going really well.","start_word":1583,"end_word":1591,"sentiment":"positive","sentiment_score":0.4807845950126648},{"text":"I have sent you an email as well with your annual review docs. It does have the summary in Yep. there of your Oh, balances. okay. The MLC master key there as well, the balance in there now is about 48,447, Yes. and last year was about $33,008.71. So, again, that's increased a little bit. Yeah. I'll also update the advice to reflect just the retention strategy, roll some money out of MLC as well into Hub twenty four, which can Yes. also provide a greater boost for That you was as well. one of my questions Yeah. I was going to ask. You know, at what Yeah. at what stage do you take money out of MLC and put it in? Yeah. Yeah. So Definitely wanna do that now. We normally like to only hold about 10,000 in yep. there with your Yeah. insurance as being about $2. So the insurance is at MLC at the moment. You're paying about $1,800 for those for this year. So I'll probably leave just a little bit more than 10,000 in there plus an additional 2 just Yep. to cover your insurance premium Yeah. just because That sounds we good. are back Because to the market ups and downs as well. Yeah. yeah. Because that's because Marco doesn't have any of that, does he? Because he's too old now. So when we moved it Yeah. Yeah. So yeah. it's just you a little bit of cover there. With your Yep. life and TBD, you've got the 219,000 of both. Yep. Looking at your circumstances, and if we kind of looked at, you know, how that might track in the event of something happening to you Yep. I'm just closing one folder. Sorry. I have so many folders open. Shocking. There we go. Essentially, with your so you guys are renting where you're at at the moment, Yes. and I've got it down here. You don't have any real debt aside from the two credit cards that you've got there at the moment. No. So, realistically, that 219,000, if you were to say pass away today, you've got the 219,000 there of life insurance, plus we've Yep. also got the $166.05 34 of super in half twenty four and another $48,004.04 7 of Super Inside MLC as well. So it does give you a total life benefit of a bit over 433,000. Do you feel like that's Yeah. fairly sufficient to have sort of paid out to Michael in the event of you passing and having to pay rent Yeah. and continue his thing? I think I think so. Like, as long as like, Yeah. as you said, we don't have a lot of debt. So as long as it No. would cover that and give him some some spending money to, you know, get set up somewhere else, he'd probably go Yep. home. So Yep. yeah. No. Yep. That would be okay. Yep.","start_word":1592,"end_word":2082,"sentiment":"neutral","sentiment_score":0.06132058830468967},{"text":"That would be okay. Beautiful.","start_word":2083,"end_word":2087,"sentiment":"positive","sentiment_score":0.4393320977687836},{"text":"With TBD, total permanent disability cover, it does pay out the lump sum benefit or a compounded income stream as well in the event of you never being able to go back to work again. Yes. Having a look at the TBD side of things, and and I know we kinda went through and talked about last year, but TBD is a tax benefit. So if you were to become permanently incapacitated, you get access to the benefit of 219,000, plus Yep. your super is also released. We can also claim permanent incapacity against your super. So it does give you the same sort of benefit, the 433. But if Yes. you then took that money out as a lump sum, they do when you're under the age of 60, they do actually charge tax at up to 22%. It's Yes. Yep.","start_word":2088,"end_word":2229,"sentiment":"neutral","sentiment_score":0.07182946056127548},{"text":"It's horrible. I I'm do not just about to jump in a lift.","start_word":2230,"end_word":2242,"sentiment":"negative","sentiment_score":-0.5444322824478149},{"text":"So if I do lose you, I'll call you straight back, but Yeah. I That's should be okay, absolutely I think. No. Absolutely fine. So based on that, if I looked at the 22% tax based on the current sum insured, you'd end up with, as a lump sum, about 337,524. So just over 337,000 for TBD between everything. Yeah. Do you feel like that's fairly sufficient at the moment? Yep. Yeah. Or That would be fine. yep. Yeah. It'd be Yep. better than Beautiful. nothing. So No. That's okay. And and, look, income protection, as we kinda went through last year, you don't have any income protection. There's no other additional insurances like trauma and things like that. Lastly, you are happy not to have them knowing that more insurances need more money Yeah. coming out of your super or out of your back pocket. And we are looking to provide advice to Michael to sort of help, you know, with him starting to access some of his super and then sort of build on that afterwards. Are you Yep. happy not having any additional insurance? Did you wanna sort of talk us Yeah. them through Look. a bit more? Or At at this stage, yes. Only because Yeah. I possibly like, there might be some transitioning when I change jobs in the new year and then, you know, if there's no there's no extra super going in, you Yep. know, my 60 Yep. dollars will be stopped, etcetera. So, yeah, Yep. we might review that even, you know, in twelve months time when, hopefully, we've got some savings and, Yep. you know, we're doing it that way. So yeah. But let's leave Yep. it for now. I can always call Yep. Absolutely. you up, can I? And, Absolutely. You're not limited to one call a year. If you need yeah. anything additional, if you have questions or you just wanna chew Yeah. the fat with me, you just let me know. My team will book you in, and I'll happily, you know, make a time to talk you through, answer any questions, review, or research anything that you need at the time. Yeah. Yeah. No.","start_word":2243,"end_word":2609,"sentiment":"neutral","sentiment_score":0.07075164489808419},{"text":"That's perfect. Cool. Beautiful. Alright. Excellent.","start_word":2610,"end_word":2615,"sentiment":"positive","sentiment_score":0.4569181799888611},{"text":"Just going through the liabilities and assets. Now I've kind of updated everything as we sorta had here because I have sorta touched base with Mark previously there. Yep. Just double checking the Nissan Qashqai. Rough Yes. valuation about 15,000, do you think? Yeah. Would you alter? Yep. Yep. That's all good. Credit cards, we had a total limit on those of about 2,000 joint. Is that right? That's on a nav one. There's Yep. another one I have. There's seven total is our Okay. credit cards. Yeah. Well, Seven my total. mine is I have the one, but the nav one is. Yeah. No. They're both in my name. They're not actually mix any of mix, but he's gonna pay them out for me so we can be out of debt. Sounds good. So one of them has a limit of 3,000 and the other one has 5,000. Is that right? Yes. That's correct. Yep.","start_word":2616,"end_word":2771,"sentiment":"neutral","sentiment_score":0.05520908190653874},{"text":"Beautiful. Fantastic. I will just update that for you. Excellent.","start_word":2772,"end_word":2781,"sentiment":"positive","sentiment_score":0.54680335521698},{"text":"Rent, we have you still paying about 750 per week. That's Is that right? yes. Rent that. Yep. Yep. Yeah.","start_word":2782,"end_word":2801,"sentiment":"neutral","sentiment_score":0.11652375012636185},{"text":"Fantastic.","start_word":2802,"end_word":2802,"sentiment":"positive","sentiment_score":0.440598338842392},{"text":"And content's a rough valuation about 20,000. Would you alter the content's valuation? Is that the same? No. That'll be plenty because we've Yep. downsized so we got rid of a heap of stuff so that would be plenty. Okay.","start_word":2803,"end_word":2842,"sentiment":"neutral","sentiment_score":-0.008497675880789757},{"text":"Beautiful. Beautiful.","start_word":2843,"end_word":2844,"sentiment":"positive","sentiment_score":0.3724595606327057},{"text":"And income wise, still earning about 80,000. Have you been lucky enough to get a pay increase? No. Well, yeah, we got No. a tax cut, $5. It's not even enough to buy a loaf of No. bread. It Yeah. doesn't No. do much, does it? About no. $73,500 now. Like, yeah, 70 that's 3. Yep. yeah. Unfortunately, I had to take well, I took a cut, but anyway Yeah. Okay. Update that for you. Hopefully, you get a pay rise moving forward.","start_word":2845,"end_word":2927,"sentiment":"neutral","sentiment_score":-0.019660109654068947},{"text":"You're definitely worth it.","start_word":2928,"end_word":2931,"sentiment":"positive","sentiment_score":0.3687320351600647},{"text":"Well, I'm yeah. No. That's another reason why I'm looking, yeah, somewhere Yep. else. But I'm leaving all that till the New Year to start afresh because we've got too Yes. much happening between now Abs and Christmas. absolutely. So Yeah. Definitely. No. All good. And are you guys managing to sort of put much in the way of savings away on a regular basis, any dedicated savings, or not really? yeah. Not not as much. Like, we still do our twenty seven fifty, Yep. but we had to use that, like, to move. So we use that to move. So that brought it down and, you know, and then with Michael not working for a few weeks last year, we sort of used that to cover his income. Yes. Yes. So we've got we're building it up again, but, yeah, our regular we used to put a $150 away every week. That's just Yeah. I've I just did that pending. So at the moment, funds are looking about 2,000 savings, and then we started Yep. the we call it the $27.50 account because it's 20 Yep. $7.50 a day we transfer. Yep. And then, yeah, by twelve months' time, we have 10,000. So yeah.","start_word":2932,"end_word":3136,"sentiment":"neutral","sentiment_score":-0.01293652309331952},{"text":"That's perfect. Fantastic. Yeah. I love that. That's fantastic.","start_word":3137,"end_word":3145,"sentiment":"positive","sentiment_score":0.7656365633010864},{"text":"Mhmm. I've got my children doing something very, very similar. Yeah. I've Well, given it just them that's it. yeah. Like, well, it used to be a takeaway meal or, you know, a a breakfast like, if we go out for breakfast, that's how much that costs. Well, more Yeah. now, but Yeah. yeah. So Yeah. we just Absolutely. try and do it. Yeah. We try and just do it daily. So that way, at least, we've got an emergency fund if we need it. Yeah.","start_word":3146,"end_word":3231,"sentiment":"neutral","sentiment_score":0.07909659296274185},{"text":"That's perfect. That's really good.","start_word":3232,"end_word":3236,"sentiment":"positive","sentiment_score":0.6493924260139465},{"text":"I think with my daughters, because they're 19 and 20, they're sort of learning that aspect now. I've got, like, a Yeah. little thing on the fridge. It's like an a four page, and it has a different Yep. dollar amount. So because they're casual, when they earn more, they can be putting more away and less on the weeks because they're earning a little bit less. And they're kind of one Yes. Yeah. week, it might be $20, another week, $50. And they color in a little square each time they put some money in there. It kinda keeps them going, kinda building Yeah.","start_word":3237,"end_word":3341,"sentiment":"neutral","sentiment_score":0.1224965825676918},{"text":"Going it because and motivated. two of them.","start_word":3342,"end_word":3349,"sentiment":"positive","sentiment_score":0.38538816571235657},{"text":"Yeah. Exactly. And because there's two of them, they're kind of in competition with each other, which is kind of really cool.","start_word":3350,"end_word":3371,"sentiment":"neutral","sentiment_score":0.2000015757300637},{"text":"Yeah. That's good.","start_word":3372,"end_word":3374,"sentiment":"positive","sentiment_score":0.427703469991684},{"text":"No. I I try and teach my kids that too, but they don't listen to me anymore. So they're too old. Yeah. So I I will my they'll get past that. yes. Yeah. No. I understand. My kids, that was the most boring person on the planet until they became 19 and 20 and got jobs and realized that money doesn't last when you're spending That's it on everything. or, you know, there's more you know, those days where you get you know, like, where you're free from working Yep. and having to pay things, Yep.","start_word":3375,"end_word":3470,"sentiment":"neutral","sentiment_score":-0.0841212347149849},{"text":"I have good days. That's exactly right.","start_word":3471,"end_word":3477,"sentiment":"positive","sentiment_score":0.3704448342323303},{"text":"Yeah. No. That's all good. So what I'll do with the advice is I'll just go back, and I'll have a bit of a look at the super. I'll just evaluate Yep. all the investments in there, look at how they're performing for you. One of Yes. the big things with the investment structures is the Bannalong investment that you had in there was originally placed in there. The idea is it's more of an actively managed fund, so the investment manager is trying to outperform against the market. They are Yep. supposed to be buying and selling in a way that, you know, they pick the top and the bottom or as close to as they possibly can. Yep. To have these sorts of active managers in your portfolio, you do pay a bit more in investment fees. So one way we can lessen or help to boost this super is to sort of look at, you know, reducing investment fees where possible as well. Did you want me to look at maybe having more of a passively managed portfolio that is tracking the market might be more cost effective for you as well and maybe, you know, making sure we're maximizing diversification as much as possible to reduce risk. Did you want me to kind of look at things that way, or did you wanna see more of an active manager in your portfolio? What's your thought? Look.","start_word":3478,"end_word":3717,"sentiment":"neutral","sentiment_score":0.14842796325683594},{"text":"I'm I'm just at the moment, I'm so unsure and every about everything.","start_word":3718,"end_word":3730,"sentiment":"negative","sentiment_score":-0.3703779876232147},{"text":"So Yeah. yeah. That's okay. Look.","start_word":3731,"end_word":3736,"sentiment":"neutral","sentiment_score":0.1297040432691574},{"text":"I I if you if you think it would benefit, yeah, I'd be happy to proceed.","start_word":3737,"end_word":3752,"sentiment":"positive","sentiment_score":0.4801596403121948},{"text":"So Mhmm. but Yeah. I just as I said, I've been trying you know, we sort of try and keep a little bit of you know, we don't have much knowledge of the stock market, etcetera, and all That's that things okay. happening, but just so there's so much uncertainty at the moment. And Yes. there's more of the fact that I'm glad we've got you guys because there's so much Oh, information out there about everything, yeah. like, you know, from what food you can eat and what, you know, is good for you and what's not good for you. Like, it's just my brain Yeah. hurts. That's okay. No. Completely understandable. I think one of the last reviews I did earlier, I was talking to the client more about when you're in your fifties, you know, looking at trying to reduce risk as much as possible whilst keeping Yeah. a bit of growth there. Yeah. And, realistically, you can stay within that growth sort of environment because, I mean, having a look, you are we before did you want me to sort of look at age 65 as a base for time and for this advice piece, and then we can always build on that down the track later if you wanted to sort of continue Yep. working longer. Does that Yeah. sound okay? Let's let's try. Because my my plan would be, you know, like, for example, like, Michael to maybe, you know, go a bit part time and not work, you know, the nine to five Yep. slug sort of thing. Yep. So yeah. So let's try 65 and then yeah. Yep.","start_word":3753,"end_word":4028,"sentiment":"neutral","sentiment_score":-0.022479858249425888},{"text":"Beautiful.","start_word":4029,"end_word":4029,"sentiment":"positive","sentiment_score":0.42933642864227295},{"text":"So realistically using because you are 56 this year, it gives you about nine years until your retirement Yeah. aspect there. So we are kind of reducing the years a little bit, which is good. The when you sort of think about risk in your portfolio, do you kind of feel like you're comfortable taking on a higher level of risk in order to get those greater returns knowing that in a down period or at times where you are feeling uncertain and the markets are, you know, going up and down quite drastically like this year, that you can see those dips and feel those dips. Or did you wanna take a bit more of a conservative approach that, you know, be a little bit more in the middle medium sort of range? How do you feel about Yeah. the risk I've level? I've been trying to think about this before your call, and I just I don't know. Like, I know higher outlay, you know, higher risk, but, Yep. yeah, I just I've just got no idea at the moment and just, Is like, yeah. Do you yeah. feel like at at your age and your staging with what's happening in the market? Because you sort of are feeling a little bit unsure at the moment. You'd more wanna be in that middle sort of range taking on a moderate amount of risk, you know, out of if you think of risk out of a number between one and five, five being the highest level of risk and one being sort of the lowest where all the money is sitting in cash and you're not really getting any returns. So it's where do you think sort of see yourself? Would you be more of a one, two, three, four, five, four? I Where do I'm you think? sorry. I really don't know. Like, I'm so I'm just so I don't know. Like, if what if I do it for, you know, six months and then, you know, like, like, I know there's risk with everything, but, Mhmm. you know, I'm I don't know. I'm just That's so okay.","start_word":4030,"end_word":4389,"sentiment":"neutral","sentiment_score":-0.05582398838467068},{"text":"I just That's don't okay.","start_word":4390,"end_word":4394,"sentiment":"negative","sentiment_score":-0.4406689703464508},{"text":"That's know. okay. That's okay.","start_word":4395,"end_word":4399,"sentiment":"neutral","sentiment_score":-0.017191782593727112},{"text":"It's good to have these conversations to talk it out because they're not easy questions to ask.","start_word":4400,"end_word":4416,"sentiment":"positive","sentiment_score":0.3561348021030426},{"text":"No.","start_word":4417,"end_word":4417,"sentiment":"neutral","sentiment_score":-0.054011937230825424},{"text":"And To give you a really good kind of idea with your growth portfolio at the moment, you're at sort of sitting at a three.","start_word":4418,"end_word":4442,"sentiment":"positive","sentiment_score":0.4122310280799866},{"text":"So you are in that medium range. And the way Yeah. our portfolios are structured, we start with aggressive, which is all a 100% inequities. There's no defensive investments. Then we go high growth, then it's growth, which is you where you're sort of sitting at the moment. It's an eighty twenty split. Yep. Okay. 80% of those growth investments, they're the ones like international shares, Australian shares, listed property, and commodities like gold and silver. That's where you get a lot of growth from, but it's also the investments that you see go up and down. So when you're looking at the news and it's Yes. telling you that, you know, a million dollars is wiped off the market, it's because those sorts of investors have taken a bit of a dip in that one day, and that's where that Yeah. sort of fear comes from. That kinda also has a 20% invested in defensive assets. So thinking things like cash, bonds, and fixed interest. They are seen as lower risk. They tend to get a lower rate of return over the longer term as well. But they're Yes.","start_word":4443,"end_word":4632,"sentiment":"neutral","sentiment_score":0.07572389394044876},{"text":"really good for having, you know, cash in they're good for Yeah.","start_word":4633,"end_word":4644,"sentiment":"positive","sentiment_score":0.4423721134662628},{"text":"lower risk and cash. I'm trying to think of a income payments coming out. Sorry. I'm having a major mental blank. Income payments coming out. So when you think about bonds and fixed interest in term deposits and things, those sorts of investments do pay regular intervals of income, and that gets reinvested back into your portfolio, and that helps with compounding effect as well. So having a mix of the two, the growth and defensive for the high risk and low risk investments is important. And even when you Yep. get into retirement, we still wanna have a mix of those. It's just what kind of a mix need it needs to Yes. be in your comfort level Me too. as well. So, Yep. I mean, the way you are at the moment, that growth environment still suits someone who has about six years before accessing their super.","start_word":4645,"end_word":4793,"sentiment":"neutral","sentiment_score":0.14192212428022552},{"text":"So you do fit Yes. within that within nine year time horizon. We're tracking around about a seven to 9% return on a yearly basis there.","start_word":4794,"end_word":4819,"sentiment":"positive","sentiment_score":0.36681610345840454},{"text":"And when you Yep. think of the volatility, we look at it when we look at the ups and downs that can be expected as a portfolio, we can expect on that seven to 9% at a good year, an extra 11% return could occur, or in a bad year, from that 7%, it drops 11% Yeah. more than that. So it kinda shows us the range that we're sort of expecting. And to sort of see the difference, an aggressive portfolio, you're sort of averaging about 11 to 13% return. But volatility wise, in a good year, on top of that 13%, you could also get an extra 18%. But then No. from Okay.","start_word":4820,"end_word":4934,"sentiment":"neutral","sentiment_score":0.040201228111982346},{"text":"the in a bad year, from the 11%, it could also drop by the 18% as well.","start_word":4935,"end_word":4951,"sentiment":"negative","sentiment_score":-0.3669569790363312},{"text":"So you can sort of see taking on more risk, you get greater returns, but the downside Yes. is also larger. And where you are at the moment is more in the middle. You're sort of sitting in that medium range, about a three out of five when you think about the risk scale. Yep. And it it certainly suits where you're at if you wanna stay there for a little bit longer. When you are about sort of five to six years out from accessing your your super, I would absolutely be telling you to pull back a little bit. Let's start reducing Yeah. it fast, dropping things at a 10% rate each year, and then Yep. just sort of gradually decrease in the risk level.","start_word":4952,"end_word":5078,"sentiment":"neutral","sentiment_score":0.006952795200049877},{"text":"But if you're comfortable and wanna stay in that environment for one more year, you absolutely can.","start_word":5079,"end_word":5095,"sentiment":"positive","sentiment_score":0.384913831949234},{"text":"There's nothing Yeah.","start_word":5096,"end_word":5098,"sentiment":"neutral","sentiment_score":0.2857641875743866},{"text":"wrong with it. It still suits your time horizon.","start_word":5099,"end_word":5107,"sentiment":"positive","sentiment_score":0.4432156980037689},{"text":"It still Yeah. suits I your I think risk I'll tolerance. yeah. Yeah. I'll stay where where I am. Only Yep. because just like I I could say that it has the growth and even with the, Yep. you know, that orange man overseas doing his stuff. Oh, man. Yep. Yeah. Like that, you know, that's a bit of a scare, but I know Yeah. it's, you know, the up and down. So let's look. Absolutely. We can always I can always review view it again at another stage, Yeah. can I? So, yeah, Yeah. let's Absolutely. do that. Let's And I stick. can look at other ways to reduce the risk level. So, like, if I remove the Bannalong from your portfolio, I can look at an investment that has more investments in it. So to give you a bit of an example, that Bannalong Australian Equities investment, they generally hold about 15 to 25 different investments depending on what they're invested in within their in that Yeah. that investment class. I could look at removing that, put you in something a bit more passive, which is, you know, reducing risk as it is because it's just tracking a certain indices of the market. But I could look at an investment to replace that. That gives you more access to investments. So instead of tracking, you know, 15 or 25 different investments, we might put you in something that has 200.","start_word":5108,"end_word":5349,"sentiment":"neutral","sentiment_score":0.10205753868030122},{"text":"So your money is spread over more investments, which gives you more diversification, which can help to lower the risk level of your portfolio as well.","start_word":5350,"end_word":5375,"sentiment":"positive","sentiment_score":0.4367330074310303},{"text":"So even though you're Yes. in that growth environment, we can look to mitigate as much risk as possible in other ways. Does that make sense? Yes. Yes. It does. Yeah. Do you have questions? Because I know it's a lot, and I'm so sorry. But do you have No. any No. questions No. Look. that come out As of that? I said to you, I just, like, I understand the the risk. You know, I'm at the medium Yeah. and, like, Yeah. I'm just, you know, I don't wanna do years worth of higher risk and then, you know, end up back step because I like, I understand.","start_word":5376,"end_word":5484,"sentiment":"neutral","sentiment_score":-0.06278436630964279},{"text":"I'm still lucky enough to have a few more years. So Absolutely. Yeah. Definitely.","start_word":5485,"end_word":5498,"sentiment":"positive","sentiment_score":0.4140498638153076},{"text":"No. That's absolutely fine. So what we'll do, if you like, is I can look at the growth portfolio. I'll look at adjusting yeah. your super, look at, you know, making sure MLC is working properly. We'll move some money into Yep. hub as well and do a rollover. Yeah. We'll That'd retain be good. your insurances as they are, and then we can also make sure that in the next six months, so that'd be around about December, we then check-in. I do a bit of a catch up with you just before the Christmas Yep. break because Yep. that's when all of Michael's stuff will also be happening. So Yeah. we'll have a checkup before the Christmas break, and then we'll come back early next year, and we'll do an advice piece for both of you and reassess everything. Does that sound okay? Yeah.","start_word":5499,"end_word":5644,"sentiment":"neutral","sentiment_score":0.11767376959323884},{"text":"That Yep. sounds perfect.","start_word":5645,"end_word":5648,"sentiment":"positive","sentiment_score":0.5189211964607239},{"text":"Because then I'll hopefully, I'll have a new job and I'll be able to work out, you know, if I can put more in or if 60 is Yep. still gonna $60 a week is still gonna be enough. Yep. Yeah. Because that that'll that'll be better. Yeah.","start_word":5649,"end_word":5696,"sentiment":"neutral","sentiment_score":0.16237404942512512},{"text":"Absolutely. Beautiful.","start_word":5697,"end_word":5698,"sentiment":"positive","sentiment_score":0.5033400654792786},{"text":"Yeah. Because it it should make it will it make a bit of a difference now that the the real time super transactions are happening from payroll? So Oh, absolutely. So yeah. the way it used to be was you'd be putting, you know, your employer's putting in a a larger chunk of money sort of once every month or every three months Yeah. depending Three on how months. they Yeah. did it. Some of But now them. with the payday deposits for your contributions, you'll have smaller amounts of money going in more regularly. So that way, you're Yeah. really dollar cost averaging, which means smaller amounts of money gets distributed across your portfolio. So you really get Yeah. to take advantage of the downtimes and the uptimes as well, Yeah. and that No.","start_word":5699,"end_word":5833,"sentiment":"neutral","sentiment_score":0.07972974578539531},{"text":"can That's have not a much good.","start_word":5834,"end_word":5840,"sentiment":"negative","sentiment_score":-0.4539212584495544},{"text":"greater effect for your super. Absolutely. Yeah. Not perfect. Yeah.","start_word":5841,"end_word":5850,"sentiment":"neutral","sentiment_score":-0.1399980187416077},{"text":"Fantastic. Excellent. Well, I've got a really good idea of what I wanna do. I've got some really good investments to look at replacing that for you with.","start_word":5851,"end_word":5878,"sentiment":"positive","sentiment_score":0.38855889439582825},{"text":"I'll just go back and do a little bit of research there. My team will give you a call in a couple of weeks just to rebook you back in, and we'll go through the advice piece together. We can do Yep. it over the phone in person. Whatever you're comfortable with, I'll make it work, And we'll then we'll come back in six months and do another review with you, and then we'll do another advice piece early next year for the two of you and kind of look at where we're tracking down even further. Okay? Yes. So Yep. sorry. You said in Yeah. a couple of weeks, you'll contact Michael about his? Yes. Yes. Yes. Yeah. So my team has just finished all the research for that one. I'll get them to give him a call in the next couple of days, and they'll book him in to go through the advice piece with me. Absolutely. Yes. Perfect. Yeah. Yep. Yep. Beautiful. No.","start_word":5879,"end_word":6044,"sentiment":"neutral","sentiment_score":0.16238634288311005},{"text":"That sounds great. Excellent.","start_word":6045,"end_word":6048,"sentiment":"positive","sentiment_score":0.3657369017601013},{"text":"Moving forward over the next, you know, couple of years, do you have any other goals that you're sort of looking to achieve? It can be anything. No. Look. We'd like I said, holidays are supposed to be this year, but that is being put on the hold. So and, Yeah. yeah, mine I'm just trying to build it so that when we are comfortable, we can you know, Yeah. if something if a property comes up that we wanna buy and I'm at the age where I can draw some money out for super because we won't get a loan. We're too old now, and I don't want one. Yeah. Yeah. Like, so if we do find a place, yeah, and the money's available, yeah, you know, within reason type thing or we're Yeah. we're ready to find somewhere we wanna settle down, we might do that. And then same thing. The if we if we do take the big lump sum out of mine to purchase the property, then we're gonna just, like, go heavy with, you know, Yep. Yeah. with yeah. Anyway, that's that's the plan. That's okay. What sort of amount would you be comfortable with do you think to buy a property if that sort of opportunity came up? Do you have sort of a a a top and bottom amount you'd be comfortable with? Well, Maximum minimum looking purchasing? yeah. Here, it's Service Paradise would be out of out so our price. That's just Yeah. ridiculous. The prices now are makes my Yeah. eyes water. Yeah. But yeah. Look. We may not settle stay here. That's what we don't know yet. So that's Yeah. why, you know, over the next ten, say, years, we'll be doing a couple of little trips up and down and see, you know, something if we find somewhere we like, then we might look into the market. But, yeah, we still Yep. got another at least, would you say, nine years Yeah. Yeah. nine years or so for me. So yeah. But Yeah. No. That's yeah. My absolutely mine's fine. to have as much money as I can when I can get to retirement so I can buy a place for us to actually, you know, not have to move and Yep. call home. So that's Yeah. my plan. No.","start_word":6049,"end_word":6439,"sentiment":"neutral","sentiment_score":0.010158815299687178},{"text":"That's perfect. I love that. That is absolutely beautiful.","start_word":6440,"end_word":6448,"sentiment":"positive","sentiment_score":0.6829744577407837},{"text":"And do you sort of know and then, look, this could change nine years. There's a lot of differences there. But living expenses wise, do you sorta know what the two of you are going to need to live on on a weekly basis in retirement to be able to survive? Not really, but I like, that's sorta gonna be a yeah. I worry about the same situation. I just I'd rather like, because we're here now. We have to move again, say, next year because Yeah. this this Right. unit's up for sale. So, you know, I I'm comfortable that we could both have, like, part time jobs or something and still be Yep. able to Yep. live comfortably as long as, you know, we weren't having to uproot every 12 Yep. months, two years type thing. So yeah. Yep. No. That's okay.","start_word":6449,"end_word":6592,"sentiment":"neutral","sentiment_score":0.046574435851653107},{"text":"That's not a problem at all.","start_word":6593,"end_word":6598,"sentiment":"positive","sentiment_score":0.3688475489616394},{"text":"And when you do get to retirement, when we kinda go through these sorts of questions and look at, you know, your retirement income, it's always just a kind of a gauge at this point. When you actually Yep. get to the point where nine years where you go, hey. I'm ready to retire, then we'll really look at what you need to live on, maybe do a budget planner with you as well and kinda determine Yep. what you need expenditure wise and Yeah. how long that's gonna last because that's when we can really get into the drawdown side of Yeah. things for you Well, guys. that's that's Yeah. the plan with drawing a lump sum from Michael's and then paying Yeah. our debts so that instead Absolutely. of that money going to pay for debt, he can Yep. update his like, you know, pay more to his super and we can Yep. still live comfortably type situation. Yeah. Yeah. Absolutely. No. Yes.","start_word":6599,"end_word":6763,"sentiment":"neutral","sentiment_score":0.06399862468242645},{"text":"Perfect. Excellent. All good.","start_word":6764,"end_word":6767,"sentiment":"positive","sentiment_score":0.4297163784503937},{"text":"Well, that's basically everything I needed to sort of go through at the moment. Oh, sorry. The only other thing is just noting down here, you guys don't have a will and power of attorney Yep. set up No. as of I need yet. to yeah. We're going to be doing that shortly. We we just had to have our injection Yep. for whooping cough. So Yep. yeah. We're yeah. But no. Definitely. That'll be something we'll be organizing, yeah, definitely soon.","start_word":6768,"end_word":6849,"sentiment":"neutral","sentiment_score":0.025856010252382697},{"text":"So Fantastic. Fantastic.","start_word":6850,"end_word":6852,"sentiment":"positive","sentiment_score":0.7866512537002563},{"text":"And beneficiary have you nominations. Sorry. You're right, dude. yeah. Sorry. Do you have anyone you could recommend? Or We do. There is a local solicitor that I can email you through the details for if you like. They're a local Gold Coast solicitor. We'll yep. send you through the details of them and a costing of how much they charge to do up a will. And then if you want us to refer you through, we absolutely can. Otherwise, you can just contact them directly and say, hey. Yep. We Alright. wanna organize our will. So if you like that, I'll put that email up for you shortly.","start_word":6853,"end_word":6961,"sentiment":"neutral","sentiment_score":0.11087159812450408},{"text":"Easy. That's perfect. Thank Yep.","start_word":6962,"end_word":6966,"sentiment":"positive","sentiment_score":0.5511684417724609},{"text":"That's okay. And beneficiary wise on your life insurance as well as your super, you. I'm just double checking the two. So I've got here on your hub 24 super, you wanted it's a binding lapsing nomination, so that means it does need to be updated every three Yeah. years, and the next Yep. time is in 2027. But you had 25% to Demi, 25% to Lachlan, so 50% to your children, 25% each, and then the other 50% to Michael. Is that right? Yep. Yeah. That's correct for now. As I said, as Yep. we get closer to retirement, I will change that. So Yeah. I think one of the big things to sort of point out with the are yep. they over 18? Are they technically financial dependent? Yes. They are both. It it was They more are? it was more for something if something happened to me, then then, you know, at least they would be able to have a deposit for a house or something like that type Yeah. of scenario. So Yep. No. That's that was okay. why I've done it that way. But Yeah. yeah. But anyway, we'll we'll That's look okay. at that again in a year or two. Yeah. Absolutely fine.","start_word":6967,"end_word":7175,"sentiment":"neutral","sentiment_score":0.0382939837872982},{"text":"Happy to keep it as is for you for now, and we'll just adjust that as we need to.","start_word":7176,"end_word":7194,"sentiment":"positive","sentiment_score":0.41349685192108154},{"text":"We we can always have that sort of in-depth conversation when we come back Yeah. next year and reassess everything Yes. together jointly and talk about what that looks like for you both. With the MLC, we've got the same thing there. So Demi, Laughlin, and Michael, you're happy with those percentages for the MLC Yes. Yes. policy as well? Yep. Yes.","start_word":7195,"end_word":7256,"sentiment":"neutral","sentiment_score":0.17526187002658844},{"text":"Beautiful. Excellent.","start_word":7257,"end_word":7258,"sentiment":"positive","sentiment_score":0.7336057424545288},{"text":"In the DocuSign, you'll have your ongoing service agreement there as well. So you both Yep. do pay us an ongoing service fee. It's 1.10% because we both Yes.","start_word":7259,"end_word":7287,"sentiment":"neutral","sentiment_score":0.25976184010505676},{"text":"so we have you both on board looking after both of you.","start_word":7288,"end_word":7299,"sentiment":"positive","sentiment_score":0.3702734112739563},{"text":"And I do sort of like this agent stage because once having both of you here as clients means we can do that joint advice. One Yep. of the biggest things as we get closer to actually accessing super looking at, you know, in that nine year period and when we get to looking at Centrelink eligibility and things like that, taking all of your circumstances and both your super balances does work.","start_word":7300,"end_word":7372,"sentiment":"neutral","sentiment_score":0.2416861057281494},{"text":"So it's really great to be able to do that advice piece together and really sort of note out what's happening as a family for you guys.","start_word":7373,"end_word":7399,"sentiment":"positive","sentiment_score":0.5890876650810242},{"text":"So Yes. Yep. I get a bit excited about that. Sorry. Yeah. Let's have a look at that DocuSign. If you find there's any questions, please let me know. Yep. Yeah. Yeah. No. That's fine. There was Easy. one thing I was gonna do. Like, we have a new grandchild coming in September, and I'd Oh, we already have congratulations. one grandchild. So Yeah. what is what is the best option now? They say if I wanted to put a little bit of money away for them for to buy a car when they turn, you know, 20 or something, what what would be the best option for that type of Depending scenario now? depending on what you wanted to do. So you can just start off with a bank account in your name. If you put Yep. it in the child's name directly, it does mean they have to get a tax file number. So bank accounts do work if you've only got a small amount of money. Alternatively, Yep. if you guys wanted to invest something and have it working a lot more, we do have access to child builder bonds, and they're Yep. essentially an insurance product. So it's an an investment bond. You start off with as little as a thousand dollars. And as long as Yep. you're putting regular amounts in sort of every month or every year, that money is held in trust in the bond for the child. And Yep. then Yeah. when Okay. they meet a certain age, they can essentially as long as that bond's been held for ten years, they can actually receive that income completely tax free Yeah. when that Okay. just get handed over to them. It essentially goes into your name in trust four, but the Yes. child is the beneficiary of that bond. And, normally, you can hold it up to the age of 25, and then it gets vested or transferred to the child. Yeah. The Okay. benefit of these sorts of things is most investments, if you are putting money into them, you have to account for as part of your personal tax return. But these investment bonds with the structure they are, you don't. Any income or any capital gains Yes. within the bond is all What? looked after in the actual bond itself. Actual There's bond no, itself. yeah, no consequences for your personal tax side of things. And the Yep. same thing, if it's if it's held for ten years and then vested to the child or transferred to the child, they can then be drawing income as a lump sum or regular income payments however they want, And Yeah.","start_word":7400,"end_word":7848,"sentiment":"neutral","sentiment_score":0.06901726624482458},{"text":"it's all tax free for them, which is fantastic. It's a great little nest egg Yeah.","start_word":7849,"end_word":7864,"sentiment":"positive","sentiment_score":0.5848808288574219},{"text":"or a great little way of building, you know, future money Yeah. for our Well, grandchildren. Yeah. as I said, my my my grandmother did it for me. I think it was $5 when she sold the house. And, I mean, it wasn't Yeah. much, but it was just something that Yeah. I'd like to do for the grandchildren. So Yeah. but anyway, Absolutely. we might talk about that in January if that's okay. We might like, Yeah. I'll Absolutely. yeah. Yeah. Yep. No.","start_word":7865,"end_word":7948,"sentiment":"neutral","sentiment_score":0.1316725647165662},{"text":"Perfect. Not a problem at all. I love doing things like that. I'll make that as a medium term goal for you.","start_word":7949,"end_word":7970,"sentiment":"positive","sentiment_score":0.5946438312530518},{"text":"And, Yep. yeah, have a chat to Michael about those options. And when we meet in January and do the big joint advice case, Yes. then we'll kind of consider all those other options for you as well.","start_word":7971,"end_word":8008,"sentiment":"neutral","sentiment_score":0.2272072732448578},{"text":"I love it. Yeah.","start_word":8009,"end_word":8012,"sentiment":"positive","sentiment_score":0.6051782965660095},{"text":"No.","start_word":8013,"end_word":8013,"sentiment":"neutral","sentiment_score":0.2802444100379944},{"text":"That sounds great. Fantastic. Awesome. All good. Thank Well, you. thank you. My pleasure. You have a lovely night, Judith. Thank you so much for your time. I will. Okay. Thank you. Talk Easy. soon. Thanks so much. Will do. See you later.","start_word":8014,"end_word":8056,"sentiment":"positive","sentiment_score":0.6672227382659912},{"text":"Bye. Bye.","start_word":8057,"end_word":8058,"sentiment":"neutral","sentiment_score":0.18490171432495117}],"average":{"sentiment":"neutral","sentiment_score":0.0816742585015148}}}}