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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Perfect. And just for security purposes so that I can confirm I am speaking with the right person, could I just get you to confirm your full name and date of birth and address for me, please? Perfect. That's exactly what I have here. And how's your morning been? Been busy? Oh, yeah. Did you wake up late yesterday? That's okay. Sometimes you need. That's right. Now before I kind of jump into things there with you, I do normally like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus a little bit more on or just a bit of an update to kind of see where everything's at? Yeah. Yeah. Yeah. No. Yes. Yeah. Well, if you do think if you do think of any particular questions as we go through, obviously, just let me know. But, otherwise, the first thing I do like to kind of run through, it is just a bit of an updated fact find just to see what kind of you know, if there's anything major that has changed in your life and if you need to make any tweaks and changes to your advice as a result. So just bear with me as I kind of go through this information. Now when it comes to your personal details, I have you here in a de facto relationship and two financial dependents. Is that correct? Yep. Yep. Yep. Yep. Okay. Perfect. So still kind of obviously relying on you for some financial support. Yep. Perfect. Yeah. No. That's weird. Yeah. I can imagine. Takes a little little pressure off anyway, especially with all the living expenses and everything nowadays. Now occupation wise, obviously, I know you're doing a shift work now. Are you still doing the same type of role, though, or is it different? Yes. Yes. Training and development. Yes. Yes. Correct. Mhmm. Yep. Oh, nice. Yeah. Yes. Oh, wow. That's nice. Yes. Yes. Okay. Perfect. So that's good. Now what's your title at the moment? Is it still training and development, or is it different? And do you work predominantly on the terminal, or would you ever, like, step off the tracks? Okay. Yep. Yep. Yes. Mhmm. Okay. Good. Yep. Yep. Yep. Okay. Perfect. And still working full time? Yep. Yep. Okay. Perfect. But, basically, a 100% office based for you, like, your role. Yeah. Mhmm. Yeah. No. And are you liking it so far? Yeah? Yeah. Mhmm. Oh, that's nice. Oh, okay. Oh, that's nice. Yeah. No. It does. And it might be a good opportunity as well to kind of obviously, with the the changing your income, obviously, having more contributions going in just to kind of do just a bit of an updated assessment on your superannuation as well just to kind of see, okay. Well, obviously, where you are at right now, that should obviously boost everything for your super to kind of give you a bit of an update on, you know, where everything's on track with the changes, which is which is really good. Now they still pay you that standard 12% contribution. Like, that hasn't changed. It's the same employer, so I presume it's the same. Yep. Yep. Perfect. And are you doing any salary sacrifice or additional contributions yourself? Nope. Mhmm. Yep. Mhmm. Yeah. Yep. Mhmm. And would and it does all compound, and, you know, it does make a big difference. The only thing, obviously, is cash flow wise. So would that be something you'd be interested in, like, doing now, or would you wanna hold off until your daughter like, you don't have to pay those school school fees as well? Mhmm. Yep. Yep. Yes. Okay. Perfect. I'll make a little note. Mhmm. Yep. Exactly. Yep. Yeah. Mhmm. Yes. Yep. Okay. Perfect. Well, I'll make a little note to reassess it, and that's a good idea as well. And then we can, you know, when when you are ready, when we have a look at it next year, we can then put together a bit of a proposal. So whether you you go, okay. Well, I'm happy to start looking at, let's say, $50 a week or whatever it might be, then we can run all the numbers for you to be like, okay. Well, this is how it will impact your take home pay because it comes out pretax. So it does save you a little bit in tax, which is great. And then this is how much extra is boosting your superannuation to give you that kind of full, and then you can see, okay. Well, that's pretty doable. Or, oh, actually, I could do a little bit more, or maybe I wanna start with a little bit less and then always adjust as there are some. Amount, you you could literally do anything you want because it's like it's a so you you could you could literally go to your employer and be, I wanna do a dollar a week. Like, you could do whatever amount you want to, and you can change it. The only thing is that there is an upper limit because salary sacrifice and employer contributions together forms part of something that's called concessional contribution cap. So, like, the pre the pretax. So at the moment, that has increased with this financial year, which is good, but the cap is 32,500. So what you don't necessarily want to do unless you have available carry forward from previous financial years. So, basically, what they do is that if you have unused space, basically, from previous way where you haven't used up everything, there are different strategies we can do to make previous year's contributions to catch up. It does get a little bit messy, but we can we can do all of that for you. But, essentially, yep. Yep. It yeah. And it it won't make as much of a difference. If it is something you want me to, so because I can reassess your super now with your income. What I can do for you is part of it is I if you are comfortable with it, is that I can include a salary sacrifice contribution now if you would like showing a $100 a fortnight. And then part of the research will actually show you how it impacts your take on pay and how much extra it actually gonna boost your super between now and retirement. If that is something you would like me to do so you have that now? Mhmm. Yeah. It still makes a difference. Yeah. Perfect. Well, basically, if I tell you quickly, without obviously looking at anything else, if your income is right here now, 116, did you say? Yep. At the moment, your annual after tax income would be about 88,360. Now if we salary sacrifice and I will run the numbers for you in in the document. But, essentially, there's a a website called paycalculator.com.au. That's a very good way to kind of look at things. I'm not sure if you've ever heard of that before. Oh, beautiful. So even if I put in, let's say, a $100 a fortnight, it reduces your annual income after tax to 86,592. So it's, like, literally $2,000 less a year, roughly, a little bit more. So it's not and then if you divide that, obviously, on a monthly or weekly, like, it doesn't make a massive difference, but it could boost your suit because, obviously, the more money you have even in a year, it all compounds and grows. So what I can do is I can include it, and it's not obligation, but I can include it for you so that you can see what starting salary sacrificing at about a $100 per fortnight would look like. And then you can actually see the comparison, and I can do the the two projections. I can do one currently, and then I can do another one with the salary sacrifice between now and when you wanna retire. And then you can actually see the impact yourself as well, and that's sometimes, like, a good way of kind of reassessing everything. Yep. Now with SuperDart, are you, at the moment, still planning on retiring about 65, or what are you thinking? Mhmm. Yeah. Yes. Yep. Yes. Yep. And are you guys paying the mortgage? What frequency at the moment? Is that monthly or fortnightly? Okay. That's good. That's nice. Mhmm. Mhmm. Yes. Yes. Oh, perfect. Yes. Yes. Okay. It's a bit of a difference. Yeah. No. That's a very good idea. And do you know how much you have in the offset roughly? Yes. Or or you if it's separate? Mhmm. Oh, perfect. Yep. And when you refinance the mortgage, do you know did did they give you evaluation on the property as well? Mhmm. Oh, perfect. And how much mhmm. Oh, nice. Mhmm. Yep. Oh, perfect. Yep. So you do have a lot of equity like you said, which is good, and you've made a quite a bit of a chunk on the mortgage just even we spoke to you last time as well because it was around $3.20. So mhmm. Yeah. Mhmm. Mhmm. Yep. Perfect. Yeah. Which makes which which is we we obviously takes a chunk of the the mortgage at the end as well, which which is really good. Okay. Perfect. So, ideally, retire at 65 if possible. Now I have here that last time we spoke an ideal income per week was looking at around a thousand dollars per week for you that you ideally would like to draw from super. Is that still achievable, or do you think you would need more or or less? Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Perfect. And that's what most people say as well if it's, like obviously, depends on how extravagant you want in your retirement. But most people say, well, if I don't have the mortgage, and that is just through you as well, then, obviously, Peter will have from him. So if, let's say, he also draws about a thousand, then that's two thousand dollars combined. If you don't have the mortgage, then it's just kind of like, yeah, living expenses, some holidays. So most people say that's pretty achievable. If you have more, great. But at least something we're trying to work with at least a thousand dollars per week. So that would then be a good kind of indication with the salary sacrifice and and the document I'll put together for you to see, you know, where you are currently if that's kind of achievable and where things are at. So that's really good. Yep. Okay. Perfect. Now other assets, I have here motor vehicle about 15,000. Yep. No. Perfect. And you didn't have anything owing on that one, do you? No. Perfect. Any other assets that's changed in the last twelve months? Any other motor vehicles or boats or anything? No. Perfect. And any other liabilities, like any personal loans or credit cards or ZipPay or anything? Mhmm. Mhmm. Perfect. Anything else? Mhmm. Fuck. Okay. Yep. Perfect. Otherwise, health and lifestyle wise, still a nonsmoker? Yep. Perfect. And have you had any changes to your health or any injuries or anything, any issues in the last twelve months? No. That's great. And do you have private health insurance? Yes. Perfect. And is that a hospital cover as well? Yep. Yep. Great. And estate planning wise, do you guys have a will or power of attorney in place or anything like that? No. Understood. Yeah. And do you know someone local that you could speak to, or would you like us to send you just some information on the firm that we work closely with so you have the pricing just as a reference, if not anything else? Yeah. Okay. Well, what I can do, yeah, I can get the team to email you the contact of the firm that we work closely if when you guys have time, you wanna have a look at it. And it also just includes just basic prices of whether you wanna do a separate will, a joint will, power of attorney. And that way, you have the information. Sometimes it's a good little reminder as well if it's sitting in the inbox. Like, oh, yeah. I gotta get I gotta get on that. So yeah. Perfect. But, otherwise, obviously, for your beneficiary, sorry, in the event that something were to happen to you, because your superannuation and insurance does not form part of the estate automatically, you can make those direct nominations, which at the moment, we have going through Peter. Is that still the case as well? Yep. Yep. Right. Yes. Yes. And that's where the will is really good as well because then you can put different kind of succession in plan in place for it. Because the way that things are at the moment, if it goes to Peter as your spouse, he would receive everything tax free. Adult children may have to pay a bit of tax if it goes to them. So from a tax structure, if it goes to him, obviously, it's tax free. But then, yeah, if there are obviously other parties and stuff involved, it could be a really good idea with the will as well. Or if something were to happen to both of you, I will is is a really good idea to kind of go through things in a little bit more detail. Perfect. Otherwise, aside from your, obviously, the salary sacrifice and, obviously, settling to your job and everything, do you guys have a focusing on reducing the mortgage? Do you guys have any other financial goals that you are working towards? Nope. Yep. Yep. No. That's good. And it's now you had it refinance, which is good because that's often something if you haven't had in a long time. I'm I usually suggest just just do it every year. Just have a look at it because, especially, the way the property market and stuff has been, if there's, you know, more equity in the property and you can get that loan value ratio down, you can get slightly better interest rate. You can pay things up quicker. Another way is changing the structure. So you guys are already paying fortnightly, which is good. Sometimes if you pay it monthly, obviously, with interest and everything, reducing it to fortnightly can speed it up a little bit. So you're kind of already doing a lot of it. You have the offset account again, which is great. Sorry. I think you guys are are on track pretty good for where things are at when it comes to that. But, obviously, if there's anything else that you guys need assistance with at any point, just let me know. Yep. Perfect. Now, otherwise, when it comes to your superannuation, what I will do is just quickly go through just another risk profile questionnaire with you just to see if your risk tolerance has changed. Now think of these questions as well in regards to your superannuation, so obviously being a little bit more long term. And if it doesn't make sense, just just let me know. Yeah. And it's all multiple choice as well, and you can just choose whichever you feel aligns with you the most. Yep. Now have you ever bought direct shares yourself on the stock market? No. No. Yeah. No. That's all good. And when it comes through the level of risk that you are comfortable with in regards to your superannuation, would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation? High, moderate. And if you which one would you lean more towards? Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Okay. Yes. Yep. Yep. No. It totally does. And when it comes to fluctuations, which kind of ties into what you mentioned as well. So on a hypothetical basis, if you place an investment and after six months, it drops by 20% due to general trends in the market. So let's not it's not like one investment that just went really bad. It's just kind of the market as a whole. Would you, if you had the option to do so, think that, well, now is potentially a good time to put more money in while the prices are down, or would you kind of be a bit more neutral, just kind of wait and see what happens, or would you want to shift to a secure asset, but that means you are then selling or the prices have already dropped? Mhmm. Yep. Yep. Perfect. And would you put a lot in or just, like, a little bit? Yeah. It's one of those some of the questions are tricky. Yep. Maybe a little bit. Yeah. Yeah. Okay. Perfect. And if you did have any investments at any point in time, fluctuating drop in value. So let's say your superannuation the last twelve months, I'm sure you've obviously seen on the news that there's obviously been a bit of bit of turbulence in the market the last twelve months. Obviously, everything in The US and Trump and tariffs and everything saw a bit of fluctuation. And, obviously, more recently with the war as well, it has seen a bit of fluctuation. When you did see a bit of a drop in value, would you feel optimistic about potential investment opportunities? Kind of a bit more neutral, wouldn't make further investments, but understand that that's kind of the nature of the market sometime as well, or would you feel quite concerned or anxious? Mhmm. Mhmm. Yep. Yes. Yep. Yeah. Yep. Perfect. That's good. And it's good that you've you've looked every now and then as well and understand and see it. Because sometimes when people like, if you just look once, for example, and it's just when the market has had a little bit of a dip, that might make some people feel a bit worried if they don't look in a long period of time. But you looking fairly sometimes looking on a daily can also be detrimental if if that is something that stresses you a lot. But looking every now and then is good because then you actually see firsthand as well those fluctuations. And you can kind of see things going up and down as long as everything's moving in the right direction long term, then then that's really good. Now last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yep. Yep. Mhmm. Mhmm. Yeah. Yeah. Yeah. Yep. Mhmm. Mhmm. Yes. Yes. Yep. Yep. Definitely. Mhmm. Okay. So potentially something to be open to. Yeah. No. I guess it would also be well, what would be more important to you? What would you feel comfortable with? Would the main goal be that you wanna have the mortgage completely paid off by the time you guys retire, or would you be happy having, you know, a bit of debt and utilizing that through invest as well? Yep. Yep. Yes. Yes. Mhmm. Mhmm. Yep. Yep. Yeah. Mhmm. The interest. Yeah. So everything is kind of a little bit up in the air with the the new budget proposals and everything like that. But but, yeah, otherwise, it used to be, obviously, the the interest on the borrowing for investment purposes would be offset by tax. But, obviously, everything is a little bit up in the air with with the budget. But what I can do is I can actually make a little note here as as well. So even, like, for next under review, hopefully, everything is a little bit more clear. Or if it's before that, you guys let me know. But then I can do that even if it suits the both you and Peter. We could always do a joint annual review for the two of you, and then we can be assessed potentially looking at some different investment options, what that would look like once there's a bit more kind of clarity in regards through all the proposals and everything like that. So I can make a little note that we can have a look at that. Yes. Yes. Well, that's it. That's a good goal, though, and then you guys can obviously work on that together. So I'll just make a little note that we can potentially look at the under review together for the two of you next year and then to explore options for potentially different personal investments, whether that be taking out a loan or or utilizing property as well for it as a little a little goal, which is good. Otherwise, I have they basically have told me here so from those questions, it has told me that you have come out as a kind of in between a high growth and a growth investor. It's the right kind of borderline. Now at the moment, we have you invested in a growth portfolio. Do you remember like, do you know the difference between a growth and a high growth investor? Have you heard much about it? No. No. That's okay. Most people will sound like, oh, can you just find out me again? Basically, both a high growth and a growth investor are similar in that you're looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time. But, also, that you are comfortable experiencing some level of fluctuations in order to achieve that. Now the difference between them is that in a high growth portfolio, typically, we invest 90% in what we call your growth assets. So that is a combination of Australian shares, international shares, and property as well. And that is basically what's going to kind of maximize that return for you and about 10% in defensive to limit fluctuations a little bit, and that will be things like cash, fixed interest, and gold as well. Now the growth portfolio, it's about a 10% difference. So it's about eighty twenty. So 80% in growth. So still a big amount, obviously, with focus towards growth, but 20 in defensive. Now what also comes into play is a time frame because you also wanna make sure, like you touched on as well, that you wanna make sure you have enough time in the market. So in a growth portfolio, ideally, we would like to see about at least six years until retirement, a high growth, typically, at least eight years. What do you think of that? Are you still happy to kind of maintain your growth portfolio? Because if you do move to a high growth, yes, long term, you can have more growth, but short term, you will have a bit more of those ups and downs. Or are you quite happy with the level of risk you are taking on at the moment in your your growth portfolio, which is still targeted towards obviously growing your superannuation? No. Like, your because you yep. You go. Sorry. Yes. Yeah. Yes. Yes. That totally makes sense. Now having a look at your portfolio, especially because we have had a bit of term loans, things are are doing pretty good. Your salary sacrificing will also boost things more. Taking on more risk might not be necessary, especially because the closer you get to retirement as well. Because at the moment with the current legislation, if things change for you, you can access super. If you decide to stop working, you can access super at 60. So that six years is kind of a good time frame. Now, obviously, if you decide to work to 65 or however long, more money in super means, obviously, growing, more contributions will boost things further. But if something changed and you decide, oh, actually, I do wanna retire earlier than 65, I think that six year, what you're currently in in growth is is probably quite suitable. And what I will do anyway is when I do have a look at the salary sacrifice, a bit of an update on your investments, especially with your new income, which makes a big difference. I will have a look at your investments as well just to see if there is any that is underperforming a little bit. Obviously, we're changing market conditions where everything's at. And then I can if if I do do the research and feel like there is one or two we wanna swap out, then I can put that together for you, but still maintaining the level of risk by making sure everything is working smoothly for you. Yep. Okay. Yes. Mhmm. Mhmm. Mhmm. Yes. Mhmm. Yes. Sorry. Yes. So I would say let me know. So with with the bonus, it does depend on your employer. Most or most which is good if they can do it that way. Often, what happens so let's say if you get $10,000 in a bonus, that would be paid out to you in cash. But then on the bonus, you would still get your mandatory 12% contribution. So you would get a little additional contribution based on the bonus. So if you get a very big bonus, get contributions on that. That will boost your super even further, which is great. But then I would also say if that is the case, just let me know because we do wanna make sure you don't exceed any tab spaces. So if mhmm. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Okay. Yes. Correct. Yes. And we can change it. So even and that's what often what most people do with a bonus because they don't have the option of your whole bonus going to your super. Now I would check with your when you do get if you do get a bonus, have a look in your hub 24 as well because you should then see an additional contribution being added. So you can check with your employer to be like, okay. If I do get a bonus and I'd elect not to have it, obviously, all paid through super, does the 12% contribution still apply, which often is the case. So what what most people would do if they don't have the option of obviously adding the whole bonus is that, let's say, you get 15% on your income as a bonus, that would be pretax about 17,400. Now you would still get 12% contribution on that, which means that your employer will automatically add 2,088. So it will still be that. So even if we do salary sacrifice of a $100 a fortnight with your current income, you are still under the threshold, which is good. And I would say that if you do before the end of this financial year, if that is so when do you normally have to make that decision? Do you know? Okay. Okay. So even, like, next year, which we're pretty close to under review, but even which will be good. But even next year, if you do get the option, just give me a call because then I can run the numbers if you go, okay. Can I if you are leaning towards electing having everything paid into super, then I can just run the numbers for you? And that's and that's when that kind of carry forward, I mentioned earlier, comes in handy where it's like, if you haven't done extra contributions yourself in previous years, we can utilize that to still make it very tax effective. Yeah. But, yes, at any point in time, you can make voluntary contributions, and we can at the end of each financial year, if you have the cap space available, we can change it to pretax and give you a little bit of that notice of intent on the tax back. So just let us know. Keep us up to date what's happening, but that is good. Yeah. Perfect. Now do you have access to your emails at the moment? Yes. Okay. Sorry. Not too much to go before I let you go in. Enjoy the rest of your afternoon. Do you have to work shift again today? Yeah. Perfect. Now if you could access your emails for me, I have sent you an email with a couple of documents to go through. We have just changed the soft software as well, so it might look a little bit different to what it did last time we spoke. It's kind of the same where you access a link, and that will show you all the documents before it prompts you to sign anything. Perfect. Now to make it easy for you, I can go through them the way that you see them. So what is your first attachment that you can see? Yep. If you yeah. You you just yes. So if yep. So if you click on that link, it you would just have to click on it first, but it will allow you correct. Yes. And you should see everything, and it's only at the end. Yeah. Okay. Perfect. Yes. Perfect. So if you can have a look at that one, it shows you your current superannuation and insurance. Now you obviously have majority of your super in hub 24, and you do have about 303,546. And then you also have your public sector superannuation that defined benefits, and that's about 34,700 and 80 2. Yes. Yeah. And it it's also good because, obviously, the defined benefit, obviously, we don't wanna touch it or, usually, you can't touch it. So it is a sit step for when you retire. But it's just a little bit of extra, so that's good. Now I did have one question for you, and I'll ask Peter the same for your HUB24. So with HUB24, they have a feature which is called family linking. Basically, what it is is that if you have a family, you can link your accounts together. You're not crossing or sharing super or anything like that. It is just from administration platform. You can have the two accounts linked. So what that would mean is that Hub twenty four assesses your combined superannuation balance when they are calculating discount on administration fee. So it does make it a little bit cheaper. So instead of it being just on your super balance and it's on his super balance, having them linked together, it's just a way for them to giving a bit of a discount to tryna promote as well having, you know, multiple accounts together for a family. So the benefit is by doing it, you get a bit of a discount on administration fees, which is great. Another thing is that we can have it so you guys can view each other's accounts if that is something that you want. So, like, you would log in to your app, and you would see your account, but you could also check his. You can't change anything on his account holder, but you can view it. So if it is that you guys, you know, obviously share finances and plan retirement together, you can look at each other's information. You can't change it. Is that something you guys want to add, or do you kinda prefer to have it a bit more separate? Yep. Perfect. Yep. I'll just I'll just leave it, and we'll we'll just keep it like that. Yeah. Yeah. Perfect. That is not a problem. Yeah. Is that in any point you're trying to send me an email, say, hey. We would like to do the family linking. Just let me know. But, otherwise, I'll just leave it for now. Yep. Yeah. Otherwise, with your insurances. So you have some insurance with MetLife. Now you have a life and total permanent disability insurance, and that is 525,000 if something were to happen. Now are you still happy with that level of cover for life and TPD, or has anything changed? Yep. Perfect. Yep. It would still obviously pay out the remaining mortgage of your credit card and stuff like that, still leave extra if something were to happen. Now with your income protection, though, because your income has gone up quite a bit, which is great, it will mean that you are a little bit underinsured for income protection. Doesn't mean you have to change it if that is still sufficient to cover your bills and expenses. So, basically mhmm. Yeah. So it is also taxed income protection. That will be the the 4. So it is taxed at your marginal tax rate when it comes out as well. So, obviously, it will be a little bit less. Yeah. Yeah. Yeah. Yes. Yep. Yep. Perfect. Yep. Yep. And if anything's fine, Yes. You yes. Exactly. Because the the other thing would be, obviously, if you wanna increase it, it will mean that, obviously, it's gonna get more expensive, which then obviously means the premiums are more super. So if it is obviously still covering the bare minimum at least, and that is only in competition, it's only temporarily as well. So it only do it temporarily unable to work. You do have that thirty day waiting period. So the shortest one. You just have to wait that thirty days before you can start claiming on it, and it does run for two years. All three paid inside super for inside hub 24, so you don't pay for it out of pocket. And the premium is 2,933 after that tax rebate that you get. Yep. Perfect. Now what is the next attachment there for you? Yes. So this one here gives you a bit of a twelve month snapshot of your portfolio. Now the good thing is that you have obviously seen a bit of ups and downs of the market fluctuation and understand that things do fluctuate. But in saying that, though, in the last twelve months, after all fees have come out of your account and despite the fluctuations we have had in the market, your portfolio has still gone up. So the return on your investment is still up by 8.88% after fees, which we're actually quite happy with given the market. And what that looks like in terms of a dollar value, and that is just the earnings on your investments and not contributions, it represents about 28,574. So, yeah, so part of, obviously, the research I will do for you is I do wanna review one of those investments in a little bit more detail, and that is the Benelong Australian Equity. It has underperformed a little bit recently. So I just wanna kind of reassess that one a little bit more for you to see if we should change it. But I'll do the research, put together that proposal, and run that through with you along with the salary sacrifice, and then we can take it from there. But overall, things are going good. Now next one, is that your MetLife certificate of currency? Yep. Oh, yep. That's fine. Sorry. That one here. Yeah. Okay. Perfect. You probably have the next one after. Vanguard, you probably have seen this last year, but it is just a good visual representation again of what we're talking with the market. And you can see here those kind of ups and downs we were talking about and how the time frame kind of comes into play with that as well. Yep. Perfect. Next one. Yep. Perfect. Now this one here, it breaks down your insurances in a little bit more detail, but lets you know that's all paid and up to date. Yep. And your next one. Yep. So this one here, again, you probably have seen a couple of times, but it is just an updated version. It is one of those compliance documents, but it does give you all the important information in regards to us here at Oakview. Now you have access to have a look through this in your own time later as well. But, basically, none of the important information has changed since last time. We have had a bit of an extension to the team, which is good, and also done a little bit more updated marketing. So if you do want to scroll down to page 10, you should see a photo of myself. If you do wanna put a put a face to the voice again, which is, yeah, which is often nice as we're doing things over the phone so you actually can see who you're talking to. Yeah. No. That's alright. Now next one for me, is that your ongoing service agreement? Does it have Hub twenty four consent to new ongoing fee arrangement? Yep. Perfect. Okay. Yep. So yes. So this one here, it is just yeah. Just focus when we set up your super and everything, we do need the tax phone number. This one here is just a compliance form to say that we are keeping your tax phone number secure and safe on file. Yep. So if you Yes, please. Let me know. Okay. Yeah. If you can do for me, there should be two to sign. If not, I'll follow-up with the team after. But if you could add the signature and date on this one, if you're happy with that. Yes. Yes, please. Yep. Yep. Yep. Does it say next? Yep. And where does the next take you to? For the tax file number? I can oh, that's you can just put just leave it blank or do, like, a full stop because you shouldn't have to put the tax number in there. Yeah. Okay. That's fine. Mhmm. That's okay. Because normally, it should just take you straight just to add in the little signetel. Like, you do you don't have to do like, fill in any tax on number or anything. Mhmm. Where does the if if it if it stops you in the other boxes, you can just do a full stop. Because if it's like a sometimes there's like a bug you have to put something, you can just do, like, a full stop or, like, a blank space because that sometimes will then let you mhmm. Yep. Does that let you go further? Yeah. Oh, perfect. I'm talking to you. It's great when it works, but it is. Do you have one more document saying consent to a new perfect. Yes. Yes. Correct. Yes. Yes. Yep. Yep. Yep. And while you're signing this one, I'll just explain what it is. It is just your ongoing service agreement. So just to say, obviously, you're happy to stay on as a client. Now there is no changes to the fee structure. So because, obviously, both you and Peter is clients, you guys have that reduced ongoing advice fee, which is great, not increasing or anything. It stays exactly the same at 1.1 from super, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. So this just lets us service your account and investments and insurance and everything for you in the meantime. Yep. Yes, please. And then it should load, and it will then send it back to me. And it will also allow you to if you would like later to go back and have a have a read through them, you can download them as well if you do. And if you can't, for any reason, access them, I always have a copy on the file. Now while that is loading, this is say this is say, oh, yep. Perfect. It's already come through, which is great. Sometimes it takes a little minute, so that is good. Now while I do have you on the phone, I'll book in a catch up to just go through that salary sacrifice and review of your investments a little bit. When is typically a best time for you to do that? I usually need about a week to put it together, so I could do Wednesday, Thursday next week. Mhmm. Would you be too tired to do it after that? Okay. Because because I could so on Thursdays, I do work a little bit later. So so you don't have to rush, I could do let me see here. We're just a half an hour difference. So I could do five let me see here. I could do what time did you say you'd be home? 04:00. So would about 04:30 be okay? That allows you bit of flexibility if you're running a bit late or if you need to eat something or something before. Okay. Perfect. So I can book that in. So that is next Thursday, the sixteenth of July, which feels pretty crazy. It's July already. And that will be up for thirty PM your time. It shouldn't take as long as today's conversation just to kind of go through those recommendations with you. If it is that you your shift changes, you have to work later, or, you know, something happens, just let me know because I can always just look to reschedule or shuffle a few things around for you if if you don't. Yep. Okay. Okay. Okay. Okay. Yeah. Yeah. If it happens, though, just let me know, and we can always reassess that. Otherwise, do you have any questions for me at this point before I let you go and enjoy your afternoon? No? Alright. Yes. Now like I said, I will give you a call next Thursday, July 16 at 04:30 your time and go through those couple of things. I will also get my team to email you that lawyer referral information just so that you have it in the inbox if it is something you guys do wanna have a look at. Yep. Perfect. Well, thank you so much for your time on the phone today, Sarah Jane, and I look forward to speaking with you next week. Mhmm. No worries. 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morning. This is Veronica from ICU Financial. How are you? I am good. Thanks.\n\nI had you booked in to go over your annual review. Is now still a good time for you? Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nPerfect. And just for security purposes so that I can confirm I am speaking with the right person, could I just get you to confirm your full name and date of birth and address for me, please? Perfect. That's exactly what I have here. And how's your morning been?\n\nBeen busy? Oh, yeah. Did you wake up late yesterday? That's okay. Sometimes you need.\n\nThat's right. Now before I kind of jump into things there with you, I do normally like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus a little bit more on or just a bit of an update to kind of see where everything's at? Yeah. Yeah. Yeah.\n\nNo. Yes. Yeah. Well, if you do think if you do think of any particular questions as we go through, obviously, just let me know. But, otherwise, the first thing I do like to kind of run through, it is just a bit of an updated fact find just to see what kind of you know, if there's anything major that has changed in your life and if you need to make any tweaks and changes to your advice as a result.\n\nSo just bear with me as I kind of go through this information. Now when it comes to your personal details, I have you here in a de facto relationship and two financial dependents. Is that correct? Yep. Yep.\n\nYep. Yep. Okay. Perfect. So still kind of obviously relying on you for some financial support.\n\nYep. Perfect. Yeah. No. That's weird.\n\nYeah. I can imagine. Takes a little little pressure off anyway, especially with all the living expenses and everything nowadays. Now occupation wise, obviously, I know you're doing a shift work now. Are you still doing the same type of role, though, or is it different?\n\nYes. Yes. Training and development. Yes. Yes.\n\nCorrect. Mhmm. Yep. Oh, nice. Yeah.\n\nYes. Oh, wow. That's nice. Yes. Yes.\n\nOkay. Perfect. So that's good. Now what's your title at the moment? Is it still training and development, or is it different?\n\nAnd do you work predominantly on the terminal, or would you ever, like, step off the tracks? Okay. Yep. Yep. Yes.\n\nMhmm. Okay. Good. Yep. Yep.\n\nYep. Okay. Perfect. And still working full time? Yep.\n\nYep. Okay. Perfect. But, basically, a 100% office based for you, like, your role. Yeah.\n\nMhmm. Yeah. No. And are you liking it so far? Yeah?\n\nYeah. Mhmm. Oh, that's nice. Oh, okay. Oh, that's nice.\n\nYeah. No. It does. And it might be a good opportunity as well to kind of obviously, with the the changing your income, obviously, having more contributions going in just to kind of do just a bit of an updated assessment on your superannuation as well just to kind of see, okay. Well, obviously, where you are at right now, that should obviously boost everything for your super to kind of give you a bit of an update on, you know, where everything's on track with the changes, which is which is really good.\n\nNow they still pay you that standard 12% contribution. Like, that hasn't changed. It's the same employer, so I presume it's the same. Yep. Yep.\n\nPerfect. And are you doing any salary sacrifice or additional contributions yourself? Nope. Mhmm. Yep.\n\nMhmm. Yeah. Yep. Mhmm. And would and it does all compound, and, you know, it does make a big difference.\n\nThe only thing, obviously, is cash flow wise. So would that be something you'd be interested in, like, doing now, or would you wanna hold off until your daughter like, you don't have to pay those school school fees as well? Mhmm. Yep. Yep.\n\nYes. Okay. Perfect. I'll make a little note. Mhmm.\n\nYep. Exactly. Yep. Yeah. Mhmm.\n\nYes. Yep. Okay. Perfect. Well, I'll make a little note to reassess it, and that's a good idea as well.\n\nAnd then we can, you know, when when you are ready, when we have a look at it next year, we can then put together a bit of a proposal. So whether you you go, okay. Well, I'm happy to start looking at, let's say, $50 a week or whatever it might be, then we can run all the numbers for you to be like, okay. Well, this is how it will impact your take home pay because it comes out pretax. So it does save you a little bit in tax, which is great.\n\nAnd then this is how much extra is boosting your superannuation to give you that kind of full, and then you can see, okay. Well, that's pretty doable. Or, oh, actually, I could do a little bit more, or maybe I wanna start with a little bit less and then always adjust as there are some. Amount, you you could literally do anything you want because it's like it's a so you you could you could literally go to your employer and be, I wanna do a dollar a week. Like, you could do whatever amount you want to, and you can change it.\n\nThe only thing is that there is an upper limit because salary sacrifice and employer contributions together forms part of something that's called concessional contribution cap. So, like, the pre the pretax. So at the moment, that has increased with this financial year, which is good, but the cap is 32,500. So what you don't necessarily want to do unless you have available carry forward from previous financial years. So, basically, what they do is that if you have unused space, basically, from previous way where you haven't used up everything, there are different strategies we can do to make previous year's contributions to catch up.\n\nIt does get a little bit messy, but we can we can do all of that for you. But, essentially, yep. Yep. It yeah. And it it won't make as much of a difference.\n\nIf it is something you want me to, so because I can reassess your super now with your income. What I can do for you is part of it is I if you are comfortable with it, is that I can include a salary sacrifice contribution now if you would like showing a $100 a fortnight. And then part of the research will actually show you how it impacts your take on pay and how much extra it actually gonna boost your super between now and retirement. If that is something you would like me to do so you have that now? Mhmm.\n\nYeah. It still makes a difference. Yeah. Perfect. Well, basically, if I tell you quickly, without obviously looking at anything else, if your income is right here now, 116, did you say?\n\nYep. At the moment, your annual after tax income would be about 88,360. Now if we salary sacrifice and I will run the numbers for you in in the document. But, essentially, there's a a website called paycalculator.com.au. That's a very good way to kind of look at things.\n\nI'm not sure if you've ever heard of that before. Oh, beautiful. So even if I put in, let's say, a $100 a fortnight, it reduces your annual income after tax to 86,592. So it's, like, literally $2,000 less a year, roughly, a little bit more. So it's not and then if you divide that, obviously, on a monthly or weekly, like, it doesn't make a massive difference, but it could boost your suit because, obviously, the more money you have even in a year, it all compounds and grows.\n\nSo what I can do is I can include it, and it's not obligation, but I can include it for you so that you can see what starting salary sacrificing at about a $100 per fortnight would look like. And then you can actually see the comparison, and I can do the the two projections. I can do one currently, and then I can do another one with the salary sacrifice between now and when you wanna retire. And then you can actually see the impact yourself as well, and that's sometimes, like, a good way of kind of reassessing everything. Yep.\n\nNow with SuperDart, are you, at the moment, still planning on retiring about 65, or what are you thinking? Mhmm. Yeah. Yes. Yep.\n\nYes. Yep. And are you guys paying the mortgage? What frequency at the moment? Is that monthly or fortnightly?\n\nOkay. That's good. That's nice. Mhmm. Mhmm.\n\nYes. Yes. Oh, perfect. Yes. Yes.\n\nOkay. It's a bit of a difference. Yeah. No. That's a very good idea.\n\nAnd do you know how much you have in the offset roughly? Yes. Or or you if it's separate? Mhmm. Oh, perfect.\n\nYep. And when you refinance the mortgage, do you know did did they give you evaluation on the property as well? Mhmm. Oh, perfect. And how much mhmm.\n\nOh, nice. Mhmm. Yep. Oh, perfect. Yep.\n\nSo you do have a lot of equity like you said, which is good, and you've made a quite a bit of a chunk on the mortgage just even we spoke to you last time as well because it was around $3.20. So mhmm. Yeah. Mhmm. Mhmm.\n\nYep. Perfect. Yeah. Which makes which which is we we obviously takes a chunk of the the mortgage at the end as well, which which is really good. Okay.\n\nPerfect. So, ideally, retire at 65 if possible. Now I have here that last time we spoke an ideal income per week was looking at around a thousand dollars per week for you that you ideally would like to draw from super. Is that still achievable, or do you think you would need more or or less? Mhmm.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. Perfect. And that's what most people say as well if it's, like obviously, depends on how extravagant you want in your retirement. But most people say, well, if I don't have the mortgage, and that is just through you as well, then, obviously, Peter will have from him. So if, let's say, he also draws about a thousand, then that's two thousand dollars combined.\n\nIf you don't have the mortgage, then it's just kind of like, yeah, living expenses, some holidays. So most people say that's pretty achievable. If you have more, great. But at least something we're trying to work with at least a thousand dollars per week. So that would then be a good kind of indication with the salary sacrifice and and the document I'll put together for you to see, you know, where you are currently if that's kind of achievable and where things are at.\n\nSo that's really good. Yep. Okay. Perfect. Now other assets, I have here motor vehicle about 15,000.\n\nYep. No. Perfect. And you didn't have anything owing on that one, do you? No.\n\nPerfect. Any other assets that's changed in the last twelve months? Any other motor vehicles or boats or anything? No. Perfect.\n\nAnd any other liabilities, like any personal loans or credit cards or ZipPay or anything? Mhmm. Mhmm. Perfect. Anything else?\n\nMhmm. Fuck. Okay. Yep. Perfect.\n\nOtherwise, health and lifestyle wise, still a nonsmoker? Yep. Perfect. And have you had any changes to your health or any injuries or anything, any issues in the last twelve months? No.\n\nThat's great. And do you have private health insurance? Yes. Perfect. And is that a hospital cover as well?\n\nYep. Yep. Great. And estate planning wise, do you guys have a will or power of attorney in place or anything like that? No.\n\nUnderstood. Yeah. And do you know someone local that you could speak to, or would you like us to send you just some information on the firm that we work closely with so you have the pricing just as a reference, if not anything else? Yeah. Okay.\n\nWell, what I can do, yeah, I can get the team to email you the contact of the firm that we work closely if when you guys have time, you wanna have a look at it. And it also just includes just basic prices of whether you wanna do a separate will, a joint will, power of attorney. And that way, you have the information. Sometimes it's a good little reminder as well if it's sitting in the inbox. Like, oh, yeah.\n\nI gotta get I gotta get on that. So yeah. Perfect. But, otherwise, obviously, for your beneficiary, sorry, in the event that something were to happen to you, because your superannuation and insurance does not form part of the estate automatically, you can make those direct nominations, which at the moment, we have going through Peter. Is that still the case as well?\n\nYep. Yep. Right. Yes. Yes.\n\nAnd that's where the will is really good as well because then you can put different kind of succession in plan in place for it. Because the way that things are at the moment, if it goes to Peter as your spouse, he would receive everything tax free. Adult children may have to pay a bit of tax if it goes to them. So from a tax structure, if it goes to him, obviously, it's tax free. But then, yeah, if there are obviously other parties and stuff involved, it could be a really good idea with the will as well.\n\nOr if something were to happen to both of you, I will is is a really good idea to kind of go through things in a little bit more detail. Perfect. Otherwise, aside from your, obviously, the salary sacrifice and, obviously, settling to your job and everything, do you guys have a focusing on reducing the mortgage? Do you guys have any other financial goals that you are working towards? Nope.\n\nYep. Yep. No. That's good. And it's now you had it refinance, which is good because that's often something if you haven't had in a long time.\n\nI'm I usually suggest just just do it every year. Just have a look at it because, especially, the way the property market and stuff has been, if there's, you know, more equity in the property and you can get that loan value ratio down, you can get slightly better interest rate. You can pay things up quicker. Another way is changing the structure. So you guys are already paying fortnightly, which is good.\n\nSometimes if you pay it monthly, obviously, with interest and everything, reducing it to fortnightly can speed it up a little bit. So you're kind of already doing a lot of it. You have the offset account again, which is great. Sorry. I think you guys are are on track pretty good for where things are at when it comes to that.\n\nBut, obviously, if there's anything else that you guys need assistance with at any point, just let me know. Yep. Perfect. Now, otherwise, when it comes to your superannuation, what I will do is just quickly go through just another risk profile questionnaire with you just to see if your risk tolerance has changed. Now think of these questions as well in regards to your superannuation, so obviously being a little bit more long term.\n\nAnd if it doesn't make sense, just just let me know. Yeah. And it's all multiple choice as well, and you can just choose whichever you feel aligns with you the most. Yep. Now have you ever bought direct shares yourself on the stock market?\n\nNo. No. Yeah. No. That's all good.\n\nAnd when it comes through the level of risk that you are comfortable with in regards to your superannuation, would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation? High, moderate. And if you which one would you lean more towards? Mhmm. Mhmm.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nOkay. Yes. Yep. Yep. No.\n\nIt totally does. And when it comes to fluctuations, which kind of ties into what you mentioned as well. So on a hypothetical basis, if you place an investment and after six months, it drops by 20% due to general trends in the market. So let's not it's not like one investment that just went really bad. It's just kind of the market as a whole.\n\nWould you, if you had the option to do so, think that, well, now is potentially a good time to put more money in while the prices are down, or would you kind of be a bit more neutral, just kind of wait and see what happens, or would you want to shift to a secure asset, but that means you are then selling or the prices have already dropped? Mhmm. Yep. Yep. Perfect.\n\nAnd would you put a lot in or just, like, a little bit? Yeah. It's one of those some of the questions are tricky. Yep. Maybe a little bit.\n\nYeah. Yeah. Okay. Perfect. And if you did have any investments at any point in time, fluctuating drop in value.\n\nSo let's say your superannuation the last twelve months, I'm sure you've obviously seen on the news that there's obviously been a bit of bit of turbulence in the market the last twelve months. Obviously, everything in The US and Trump and tariffs and everything saw a bit of fluctuation. And, obviously, more recently with the war as well, it has seen a bit of fluctuation. When you did see a bit of a drop in value, would you feel optimistic about potential investment opportunities? Kind of a bit more neutral, wouldn't make further investments, but understand that that's kind of the nature of the market sometime as well, or would you feel quite concerned or anxious?\n\nMhmm. Mhmm. Yep. Yes. Yep.\n\nYeah. Yep. Perfect. That's good. And it's good that you've you've looked every now and then as well and understand and see it.\n\nBecause sometimes when people like, if you just look once, for example, and it's just when the market has had a little bit of a dip, that might make some people feel a bit worried if they don't look in a long period of time. But you looking fairly sometimes looking on a daily can also be detrimental if if that is something that stresses you a lot. But looking every now and then is good because then you actually see firsthand as well those fluctuations. And you can kind of see things going up and down as long as everything's moving in the right direction long term, then then that's really good. Now last one here is in regards to borrowing money.\n\nSo would you ever consider taking out a loan to invest in stocks or funds? Yep. Yep. Mhmm. Mhmm.\n\nYeah. Yeah. Yeah. Yep. Mhmm.\n\nMhmm. Yes. Yes. Yep. Yep.\n\nDefinitely. Mhmm. Okay. So potentially something to be open to. Yeah.\n\nNo. I guess it would also be well, what would be more important to you? What would you feel comfortable with? Would the main goal be that you wanna have the mortgage completely paid off by the time you guys retire, or would you be happy having, you know, a bit of debt and utilizing that through invest as well? Yep.\n\nYep. Yes. Yes. Mhmm. Mhmm.\n\nYep. Yep. Yeah. Mhmm. The interest.\n\nYeah. So everything is kind of a little bit up in the air with the the new budget proposals and everything like that. But but, yeah, otherwise, it used to be, obviously, the the interest on the borrowing for investment purposes would be offset by tax. But, obviously, everything is a little bit up in the air with with the budget. But what I can do is I can actually make a little note here as as well.\n\nSo even, like, for next under review, hopefully, everything is a little bit more clear. Or if it's before that, you guys let me know. But then I can do that even if it suits the both you and Peter. We could always do a joint annual review for the two of you, and then we can be assessed potentially looking at some different investment options, what that would look like once there's a bit more kind of clarity in regards through all the proposals and everything like that. So I can make a little note that we can have a look at that.\n\nYes. Yes. Well, that's it. That's a good goal, though, and then you guys can obviously work on that together. So I'll just make a little note that we can potentially look at the under review together for the two of you next year and then to explore options for potentially different personal investments, whether that be taking out a loan or or utilizing property as well for it as a little a little goal, which is good.\n\nOtherwise, I have they basically have told me here so from those questions, it has told me that you have come out as a kind of in between a high growth and a growth investor. It's the right kind of borderline. Now at the moment, we have you invested in a growth portfolio. Do you remember like, do you know the difference between a growth and a high growth investor? Have you heard much about it?\n\nNo. No. That's okay. Most people will sound like, oh, can you just find out me again? Basically, both a high growth and a growth investor are similar in that you're looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time.\n\nBut, also, that you are comfortable experiencing some level of fluctuations in order to achieve that. Now the difference between them is that in a high growth portfolio, typically, we invest 90% in what we call your growth assets. So that is a combination of Australian shares, international shares, and property as well. And that is basically what's going to kind of maximize that return for you and about 10% in defensive to limit fluctuations a little bit, and that will be things like cash, fixed interest, and gold as well. Now the growth portfolio, it's about a 10% difference.\n\nSo it's about eighty twenty. So 80% in growth. So still a big amount, obviously, with focus towards growth, but 20 in defensive. Now what also comes into play is a time frame because you also wanna make sure, like you touched on as well, that you wanna make sure you have enough time in the market. So in a growth portfolio, ideally, we would like to see about at least six years until retirement, a high growth, typically, at least eight years.\n\nWhat do you think of that? Are you still happy to kind of maintain your growth portfolio? Because if you do move to a high growth, yes, long term, you can have more growth, but short term, you will have a bit more of those ups and downs. Or are you quite happy with the level of risk you are taking on at the moment in your your growth portfolio, which is still targeted towards obviously growing your superannuation? No.\n\nLike, your because you yep. You go. Sorry. Yes. Yeah.\n\nYes. Yes. That totally makes sense. Now having a look at your portfolio, especially because we have had a bit of term loans, things are are doing pretty good. Your salary sacrificing will also boost things more.\n\nTaking on more risk might not be necessary, especially because the closer you get to retirement as well. Because at the moment with the current legislation, if things change for you, you can access super. If you decide to stop working, you can access super at 60. So that six years is kind of a good time frame. Now, obviously, if you decide to work to 65 or however long, more money in super means, obviously, growing, more contributions will boost things further.\n\nBut if something changed and you decide, oh, actually, I do wanna retire earlier than 65, I think that six year, what you're currently in in growth is is probably quite suitable. And what I will do anyway is when I do have a look at the salary sacrifice, a bit of an update on your investments, especially with your new income, which makes a big difference. I will have a look at your investments as well just to see if there is any that is underperforming a little bit. Obviously, we're changing market conditions where everything's at. And then I can if if I do do the research and feel like there is one or two we wanna swap out, then I can put that together for you, but still maintaining the level of risk by making sure everything is working smoothly for you.\n\nYep. Okay. Yes. Mhmm. Mhmm.\n\nMhmm. Yes. Mhmm. Yes. Sorry.\n\nYes. So I would say let me know. So with with the bonus, it does depend on your employer. Most or most which is good if they can do it that way. Often, what happens so let's say if you get $10,000 in a bonus, that would be paid out to you in cash.\n\nBut then on the bonus, you would still get your mandatory 12% contribution. So you would get a little additional contribution based on the bonus. So if you get a very big bonus, get contributions on that. That will boost your super even further, which is great. But then I would also say if that is the case, just let me know because we do wanna make sure you don't exceed any tab spaces.\n\nSo if mhmm. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yep. Okay. Yes. Correct.\n\nYes. And we can change it. So even and that's what often what most people do with a bonus because they don't have the option of your whole bonus going to your super. Now I would check with your when you do get if you do get a bonus, have a look in your hub 24 as well because you should then see an additional contribution being added. So you can check with your employer to be like, okay.\n\nIf I do get a bonus and I'd elect not to have it, obviously, all paid through super, does the 12% contribution still apply, which often is the case. So what what most people would do if they don't have the option of obviously adding the whole bonus is that, let's say, you get 15% on your income as a bonus, that would be pretax about 17,400. Now you would still get 12% contribution on that, which means that your employer will automatically add 2,088. So it will still be that. So even if we do salary sacrifice of a $100 a fortnight with your current income, you are still under the threshold, which is good.\n\nAnd I would say that if you do before the end of this financial year, if that is so when do you normally have to make that decision? Do you know? Okay. Okay. So even, like, next year, which we're pretty close to under review, but even which will be good.\n\nBut even next year, if you do get the option, just give me a call because then I can run the numbers if you go, okay. Can I if you are leaning towards electing having everything paid into super, then I can just run the numbers for you? And that's and that's when that kind of carry forward, I mentioned earlier, comes in handy where it's like, if you haven't done extra contributions yourself in previous years, we can utilize that to still make it very tax effective. Yeah. But, yes, at any point in time, you can make voluntary contributions, and we can at the end of each financial year, if you have the cap space available, we can change it to pretax and give you a little bit of that notice of intent on the tax back.\n\nSo just let us know. Keep us up to date what's happening, but that is good. Yeah. Perfect. Now do you have access to your emails at the moment?\n\nYes. Okay. Sorry. Not too much to go before I let you go in. Enjoy the rest of your afternoon.\n\nDo you have to work shift again today? Yeah. Perfect. Now if you could access your emails for me, I have sent you an email with a couple of documents to go through. We have just changed the soft software as well, so it might look a little bit different to what it did last time we spoke.\n\nIt's kind of the same where you access a link, and that will show you all the documents before it prompts you to sign anything. Perfect. Now to make it easy for you, I can go through them the way that you see them. So what is your first attachment that you can see? Yep.\n\nIf you yeah. You you just yes. So if yep. So if you click on that link, it you would just have to click on it first, but it will allow you correct. Yes.\n\nAnd you should see everything, and it's only at the end. Yeah. Okay. Perfect. Yes.\n\nPerfect. So if you can have a look at that one, it shows you your current superannuation and insurance. Now you obviously have majority of your super in hub 24, and you do have about 303,546. And then you also have your public sector superannuation that defined benefits, and that's about 34,700 and 80 2. Yes.\n\nYeah. And it it's also good because, obviously, the defined benefit, obviously, we don't wanna touch it or, usually, you can't touch it. So it is a sit step for when you retire. But it's just a little bit of extra, so that's good. Now I did have one question for you, and I'll ask Peter the same for your HUB24.\n\nSo with HUB24, they have a feature which is called family linking. Basically, what it is is that if you have a family, you can link your accounts together. You're not crossing or sharing super or anything like that. It is just from administration platform. You can have the two accounts linked.\n\nSo what that would mean is that Hub twenty four assesses your combined superannuation balance when they are calculating discount on administration fee. So it does make it a little bit cheaper. So instead of it being just on your super balance and it's on his super balance, having them linked together, it's just a way for them to giving a bit of a discount to tryna promote as well having, you know, multiple accounts together for a family. So the benefit is by doing it, you get a bit of a discount on administration fees, which is great. Another thing is that we can have it so you guys can view each other's accounts if that is something that you want.\n\nSo, like, you would log in to your app, and you would see your account, but you could also check his. You can't change anything on his account holder, but you can view it. So if it is that you guys, you know, obviously share finances and plan retirement together, you can look at each other's information. You can't change it. Is that something you guys want to add, or do you kinda prefer to have it a bit more separate?\n\nYep. Perfect. Yep. I'll just I'll just leave it, and we'll we'll just keep it like that. Yeah.\n\nYeah. Perfect. That is not a problem. Yeah. Is that in any point you're trying to send me an email, say, hey.\n\nWe would like to do the family linking. Just let me know. But, otherwise, I'll just leave it for now. Yep. Yeah.\n\nOtherwise, with your insurances. So you have some insurance with MetLife. Now you have a life and total permanent disability insurance, and that is 525,000 if something were to happen. Now are you still happy with that level of cover for life and TPD, or has anything changed? Yep.\n\nPerfect. Yep. It would still obviously pay out the remaining mortgage of your credit card and stuff like that, still leave extra if something were to happen. Now with your income protection, though, because your income has gone up quite a bit, which is great, it will mean that you are a little bit underinsured for income protection. Doesn't mean you have to change it if that is still sufficient to cover your bills and expenses.\n\nSo, basically mhmm. Yeah. So it is also taxed income protection. That will be the the 4. So it is taxed at your marginal tax rate when it comes out as well.\n\nSo, obviously, it will be a little bit less. Yeah. Yeah. Yeah. Yes.\n\nYep. Yep. Perfect. Yep. Yep.\n\nAnd if anything's fine, Yes. You yes. Exactly. Because the the other thing would be, obviously, if you wanna increase it, it will mean that, obviously, it's gonna get more expensive, which then obviously means the premiums are more super. So if it is obviously still covering the bare minimum at least, and that is only in competition, it's only temporarily as well.\n\nSo it only do it temporarily unable to work. You do have that thirty day waiting period. So the shortest one. You just have to wait that thirty days before you can start claiming on it, and it does run for two years. All three paid inside super for inside hub 24, so you don't pay for it out of pocket.\n\nAnd the premium is 2,933 after that tax rebate that you get. Yep. Perfect. Now what is the next attachment there for you? Yes.\n\nSo this one here gives you a bit of a twelve month snapshot of your portfolio. Now the good thing is that you have obviously seen a bit of ups and downs of the market fluctuation and understand that things do fluctuate. But in saying that, though, in the last twelve months, after all fees have come out of your account and despite the fluctuations we have had in the market, your portfolio has still gone up. So the return on your investment is still up by 8.88% after fees, which we're actually quite happy with given the market. And what that looks like in terms of a dollar value, and that is just the earnings on your investments and not contributions, it represents about 28,574.\n\nSo, yeah, so part of, obviously, the research I will do for you is I do wanna review one of those investments in a little bit more detail, and that is the Benelong Australian Equity. It has underperformed a little bit recently. So I just wanna kind of reassess that one a little bit more for you to see if we should change it. But I'll do the research, put together that proposal, and run that through with you along with the salary sacrifice, and then we can take it from there. But overall, things are going good.\n\nNow next one, is that your MetLife certificate of currency? Yep. Oh, yep. That's fine. Sorry.\n\nThat one here. Yeah. Okay. Perfect. You probably have the next one after.\n\nVanguard, you probably have seen this last year, but it is just a good visual representation again of what we're talking with the market. And you can see here those kind of ups and downs we were talking about and how the time frame kind of comes into play with that as well. Yep. Perfect. Next one.\n\nYep. Perfect. Now this one here, it breaks down your insurances in a little bit more detail, but lets you know that's all paid and up to date. Yep. And your next one.\n\nYep. So this one here, again, you probably have seen a couple of times, but it is just an updated version. It is one of those compliance documents, but it does give you all the important information in regards to us here at Oakview. Now you have access to have a look through this in your own time later as well. But, basically, none of the important information has changed since last time.\n\nWe have had a bit of an extension to the team, which is good, and also done a little bit more updated marketing. So if you do want to scroll down to page 10, you should see a photo of myself. If you do wanna put a put a face to the voice again, which is, yeah, which is often nice as we're doing things over the phone so you actually can see who you're talking to. Yeah. No.\n\nThat's alright. Now next one for me, is that your ongoing service agreement? Does it have Hub twenty four consent to new ongoing fee arrangement? Yep. Perfect.\n\nOkay. Yep. So yes. So this one here, it is just yeah. Just focus when we set up your super and everything, we do need the tax phone number.\n\nThis one here is just a compliance form to say that we are keeping your tax phone number secure and safe on file. Yep. So if you Yes, please. Let me know. Okay.\n\nYeah. If you can do for me, there should be two to sign. If not, I'll follow-up with the team after. But if you could add the signature and date on this one, if you're happy with that. Yes.\n\nYes, please. Yep. Yep. Yep. Does it say next?\n\nYep. And where does the next take you to? For the tax file number? I can oh, that's you can just put just leave it blank or do, like, a full stop because you shouldn't have to put the tax number in there. Yeah.\n\nOkay. That's fine. Mhmm. That's okay. Because normally, it should just take you straight just to add in the little signetel.\n\nLike, you do you don't have to do like, fill in any tax on number or anything. Mhmm. Where does the if if it if it stops you in the other boxes, you can just do a full stop. Because if it's like a sometimes there's like a bug you have to put something, you can just do, like, a full stop or, like, a blank space because that sometimes will then let you mhmm. Yep.\n\nDoes that let you go further? Yeah. Oh, perfect. I'm talking to you. It's great when it works, but it is.\n\nDo you have one more document saying consent to a new perfect. Yes. Yes. Correct. Yes.\n\nYes. Yep. Yep. Yep. And while you're signing this one, I'll just explain what it is.\n\nIt is just your ongoing service agreement. So just to say, obviously, you're happy to stay on as a client. Now there is no changes to the fee structure. So because, obviously, both you and Peter is clients, you guys have that reduced ongoing advice fee, which is great, not increasing or anything. It stays exactly the same at 1.1 from super, and it is not a lock in contract.\n\nSo if at any point in time you are not happy, it is not a lock in contract. So this just lets us service your account and investments and insurance and everything for you in the meantime. Yep. Yes, please. And then it should load, and it will then send it back to me.\n\nAnd it will also allow you to if you would like later to go back and have a have a read through them, you can download them as well if you do. And if you can't, for any reason, access them, I always have a copy on the file. Now while that is loading, this is say this is say, oh, yep. Perfect. It's already come through, which is great.\n\nSometimes it takes a little minute, so that is good. Now while I do have you on the phone, I'll book in a catch up to just go through that salary sacrifice and review of your investments a little bit. When is typically a best time for you to do that? I usually need about a week to put it together, so I could do Wednesday, Thursday next week. Mhmm.\n\nWould you be too tired to do it after that? Okay. Because because I could so on Thursdays, I do work a little bit later. So so you don't have to rush, I could do let me see here. We're just a half an hour difference.\n\nSo I could do five let me see here. I could do what time did you say you'd be home? 04:00. So would about 04:30 be okay? That allows you bit of flexibility if you're running a bit late or if you need to eat something or something before.\n\nOkay. Perfect. So I can book that in. So that is next Thursday, the sixteenth of July, which feels pretty crazy. It's July already.\n\nAnd that will be up for thirty PM your time. It shouldn't take as long as today's conversation just to kind of go through those recommendations with you. If it is that you your shift changes, you have to work later, or, you know, something happens, just let me know because I can always just look to reschedule or shuffle a few things around for you if if you don't. Yep. Okay.\n\nOkay. Okay. Okay. Yeah. Yeah.\n\nIf it happens, though, just let me know, and we can always reassess that. Otherwise, do you have any questions for me at this point before I let you go and enjoy your afternoon? No? Alright. Yes.\n\nNow like I said, I will give you a call next Thursday, July 16 at 04:30 your time and go through those couple of things. I will also get my team to email you that lawyer referral information just so that you have it in the inbox if it is something you guys do wanna have a look at. Yep. Perfect. Well, thank you so much for your time on the phone today, Sarah Jane, and I look forward to speaking with you next week.\n\nMhmm. No worries. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.8399999,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.30292339622974396},{"text":"This is Veronica from ICU Financial.","start":2.3999999,"end":4.42,"sentiment":"neutral","sentiment_score":0.2509268174568812},{"text":"How are you?","start":4.56,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.17167694866657257},{"text":"I am good.","start":6.8799996,"end":7.8399997,"sentiment":"positive","sentiment_score":0.5836301445960999},{"text":"Thanks.","start":7.8399997,"end":8.34,"sentiment":"positive","sentiment_score":0.6946552991867065}],"sentiment":"positive","sentiment_score":0.3381322850783666,"num_words":15,"start":1.8399999,"end":8.34},{"sentences":[{"text":"I had you booked in to go over your annual review.","start":9.36,"end":12.48,"sentiment":"positive","sentiment_score":0.37244683504104614},{"text":"Is now still a good time for 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okay.","start":76.085,"end":76.905,"sentiment":"neutral","sentiment_score":0.044759223237633705},{"text":"Sometimes you need.","start":77.524994,"end":78.825,"sentiment":"neutral","sentiment_score":0.02074512280523777}],"sentiment":"neutral","sentiment_score":0.016926463631292184,"num_words":15,"start":51.844997,"end":78.825},{"sentences":[{"text":"That's right.","start":81.21,"end":82.270004,"sentiment":"neutral","sentiment_score":0.08297034353017807},{"text":"Now before I kind of jump into things there with you, I do normally like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus a little bit more on or just a bit of an update to kind of see where everything's 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correct?","start":166.84999,"end":167.75,"sentiment":"neutral","sentiment_score":0.08447262148062389},{"text":"Yep.","start":174.305,"end":174.805,"sentiment":"neutral","sentiment_score":0.12265428155660628},{"text":"Yep.","start":180.145,"end":180.305,"sentiment":"neutral","sentiment_score":0.0773199051618576}],"sentiment":"neutral","sentiment_score":0.100393696473195,"num_words":39,"start":152.205,"end":180.305},{"sentences":[{"text":"Yep.","start":180.305,"end":180.805,"sentiment":"neutral","sentiment_score":0.07245699316263199},{"text":"Yep.","start":185.92,"end":186.4,"sentiment":"neutral","sentiment_score":0.06557305157184601},{"text":"Okay.","start":186.4,"end":186.9,"sentiment":"neutral","sentiment_score":0.2175242304801941},{"text":"Perfect.","start":186.95999,"end":187.36,"sentiment":"positive","sentiment_score":0.4309430718421936},{"text":"So still kind of obviously relying on you for some financial 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note.","start":544.6,"end":545.98,"sentiment":"neutral","sentiment_score":0.15573902428150177},{"text":"Mhmm.","start":546.36,"end":546.86,"sentiment":"neutral","sentiment_score":0.03378188610076904}],"sentiment":"neutral","sentiment_score":0.18278967671924168,"num_words":9,"start":539.46497,"end":546.86},{"sentences":[{"text":"Yep.","start":548.76,"end":549.26,"sentiment":"neutral","sentiment_score":-0.012179186567664146},{"text":"Exactly.","start":551.08,"end":551.58,"sentiment":"neutral","sentiment_score":-0.01011191587895155},{"text":"Yep.","start":553.4,"end":553.9,"sentiment":"neutral","sentiment_score":-0.0609748438000679},{"text":"Yeah.","start":555.24506,"end":555.74506,"sentiment":"neutral","sentiment_score":-0.03932786732912064},{"text":"Mhmm.","start":558.36505,"end":558.86505,"sentiment":"neutral","sentiment_score":-0.0033785980194807053}],"sentiment":"neutral","sentiment_score":-0.025194482319056986,"num_words":5,"start":548.76,"end":558.86505},{"sentences":[{"text":"Yes.","start":559.24506,"end":559.72504,"sentiment":"neutral","sentiment_score":0.07387253642082214},{"text":"Yep.","start":559.72504,"end":560.205,"sentiment":"neutral","sentiment_score":0.08196471631526947},{"text":"Okay.","start":560.205,"end":560.525,"sentiment":"neutral","sentiment_score":0.2404986023902893},{"text":"Perfect.","start":560.525,"end":560.92505,"sentiment":"positive","sentiment_score":0.4568511247634888},{"text":"Well, I'll make a little note to reassess it, and that's a good idea as well.","start":560.92505,"end":564.92505,"sentiment":"positive","sentiment_score":0.45071116648614407}],"sentiment":"positive","sentiment_score":0.4032282821834087,"num_words":20,"start":559.24506,"end":564.92505},{"sentences":[{"text":"And then we can, you know, when when you are ready, when we have a look at it next year, we can then put together a bit of a proposal.","start":564.92505,"end":572.5,"sentiment":"neutral","sentiment_score":0.2275225629409154},{"text":"So whether you you go, okay.","start":572.56,"end":574.48,"sentiment":"neutral","sentiment_score":0.18192165593306223},{"text":"Well, I'm happy to start looking at, let's say, $50 a week or whatever it might be, then we can run all the numbers for you to be like, okay.","start":574.48,"end":583.415,"sentiment":"neutral","sentiment_score":0.3232224002480507},{"text":"Well, this is how it will impact your take home pay because it comes out pretax.","start":583.415,"end":588.375,"sentiment":"positive","sentiment_score":0.4005568213760853},{"text":"So it does save you a little bit in tax, which is great.","start":588.375,"end":590.875,"sentiment":"positive","sentiment_score":0.7912916174301734}],"sentiment":"positive","sentiment_score":0.36115346315659974,"num_words":95,"start":564.92505,"end":590.875},{"sentences":[{"text":"And then this is how much extra is boosting your superannuation to give you that kind of full, and then you can see, okay.","start":591.175,"end":597.39996,"sentiment":"positive","sentiment_score":0.3882072667280833},{"text":"Well, that's pretty doable.","start":597.39996,"end":599.32,"sentiment":"positive","sentiment_score":0.46177878975868225},{"text":"Or, oh, actually, I could do a little bit more, or maybe I wanna start with a little bit less and then always adjust as there are some.","start":599.32,"end":605.89996,"sentiment":"neutral","sentiment_score":0.07646233994247657},{"text":"Amount, you you could literally do anything you want because it's like it's a so you you could you could literally go to your employer and be, I wanna do a dollar a week.","start":611.815,"end":623.49,"sentiment":"neutral","sentiment_score":0.07378893660600572},{"text":"Like, you could do whatever amount you want to, and you can change it.","start":623.57,"end":627.49,"sentiment":"neutral","sentiment_score":0.06637796653168541}],"sentiment":"neutral","sentiment_score":0.16099183129755637,"num_words":104,"start":591.175,"end":627.49},{"sentences":[{"text":"The only thing is that there is an upper limit because salary sacrifice and employer contributions together forms part of something that's called concessional contribution cap.","start":627.49,"end":640.025,"sentiment":"neutral","sentiment_score":-0.05824577894348364},{"text":"So, like, the pre the pretax.","start":640.245,"end":642.025,"sentiment":"neutral","sentiment_score":0.002651402416328589},{"text":"So at the moment, that has increased with this financial year, which is good, but the cap is 32,500.","start":642.725,"end":649.705,"sentiment":"neutral","sentiment_score":0.04938234898604845},{"text":"So what you don't necessarily want to do unless you have available carry forward from previous financial years.","start":650.04,"end":658.68,"sentiment":"neutral","sentiment_score":-0.054564229419661894},{"text":"So, basically, what they do is that if you have unused space, basically, from previous way where you haven't used up everything, there are different strategies we can do to make previous year's contributions to catch up.","start":658.68,"end":673.465,"sentiment":"neutral","sentiment_score":0.08790209466541135}],"sentiment":"neutral","sentiment_score":0.01613211477140211,"num_words":106,"start":627.49,"end":673.465},{"sentences":[{"text":"It does get a little bit messy, but we can we can do all of that for you.","start":673.465,"end":676.505,"sentiment":"neutral","sentiment_score":0.05797721093727483},{"text":"But, essentially, yep.","start":676.505,"end":678.74,"sentiment":"neutral","sentiment_score":0.023093228383610647},{"text":"Yep.","start":681.92,"end":682.42,"sentiment":"neutral","sentiment_score":0.04170897603034973},{"text":"It yeah.","start":685.83997,"end":686.88,"sentiment":"neutral","sentiment_score":0.05288621410727501},{"text":"And it it won't make as much of a difference.","start":686.88,"end":689.04,"sentiment":"neutral","sentiment_score":-0.013251200411468744}],"sentiment":"neutral","sentiment_score":0.03317173182799974,"num_words":34,"start":673.465,"end":689.04},{"sentences":[{"text":"If it is something you want me to, so because I can reassess your super now with your income.","start":689.04,"end":693.62,"sentiment":"neutral","sentiment_score":0.058492677188233325},{"text":"What I can do for you is part of it is I if you are comfortable with it, is that I can include a salary sacrifice contribution now if you would like showing a $100 a fortnight.","start":693.925,"end":707.80005,"sentiment":"neutral","sentiment_score":0.17731626291532773},{"text":"And then part of the research will actually show you how it impacts your take on pay and how much extra it actually gonna boost your super between now and retirement.","start":708.74005,"end":718.04004,"sentiment":"neutral","sentiment_score":0.1805324794784669},{"text":"If that is something you would like me to do so you have that now?","start":718.42004,"end":721.64,"sentiment":"neutral","sentiment_score":0.04465061152974765},{"text":"Mhmm.","start":723.08496,"end":723.58496,"sentiment":"neutral","sentiment_score":0.01822599209845066}],"sentiment":"neutral","sentiment_score":0.13550053032350193,"num_words":103,"start":689.04,"end":723.58496},{"sentences":[{"text":"Yeah.","start":724.685,"end":725.185,"sentiment":"neutral","sentiment_score":0.08073318749666214},{"text":"It still makes a difference.","start":726.125,"end":727.505,"sentiment":"neutral","sentiment_score":0.19396956861019135},{"text":"Yeah.","start":730.605,"end":731.105,"sentiment":"positive","sentiment_score":0.46323513984680176},{"text":"Perfect.","start":732.365,"end":732.76495,"sentiment":"positive","sentiment_score":0.6085751056671143},{"text":"Well, basically, if I tell you quickly, without obviously looking at anything else, if your income is right here now, 116, did you say?","start":732.76495,"end":744.35004,"sentiment":"neutral","sentiment_score":0.09731273197879393}],"sentiment":"neutral","sentiment_score":0.13930927636101842,"num_words":32,"start":724.685,"end":744.35004},{"sentences":[{"text":"Yep.","start":745.37,"end":745.87,"sentiment":"neutral","sentiment_score":0.06763091683387756},{"text":"At the moment, your annual after tax income would be about 88,360.","start":747.375,"end":756.115,"sentiment":"neutral","sentiment_score":0.05891725576172272},{"text":"Now if we salary sacrifice and I will run the numbers for you in in the document.","start":756.895,"end":764.62,"sentiment":"neutral","sentiment_score":0.10243539950426887},{"text":"But, essentially, there's a a website called paycalculator.com.au.","start":765.0,"end":769.4,"sentiment":"neutral","sentiment_score":0.08908170368522406},{"text":"That's a very good way to kind of look at things.","start":769.4,"end":771.8,"sentiment":"positive","sentiment_score":0.3942192481322722}],"sentiment":"neutral","sentiment_score":0.15438990074456954,"num_words":49,"start":745.37,"end":771.8},{"sentences":[{"text":"I'm not sure if you've ever heard of that before.","start":771.8,"end":773.74,"sentiment":"neutral","sentiment_score":-0.01988104791380465},{"text":"Oh, beautiful.","start":774.135,"end":775.515,"sentiment":"neutral","sentiment_score":0.30266107618808746},{"text":"So even if I put in, let's say, a $100 a fortnight, it reduces your annual income after tax to 86,592.","start":775.815,"end":785.835,"sentiment":"neutral","sentiment_score":0.08280275691123236},{"text":"So it's, like, literally $2,000 less a year, roughly, a little bit more.","start":786.135,"end":794.69995,"sentiment":"neutral","sentiment_score":0.03503250731871678},{"text":"So it's not and then if you divide that, obviously, on a monthly or weekly, like, it doesn't make a massive difference, but it could boost your suit because, obviously, the more money you have even in a year, it all compounds and grows.","start":794.83997,"end":809.525,"sentiment":"neutral","sentiment_score":0.17480322655121033}],"sentiment":"neutral","sentiment_score":0.11435704590856201,"num_words":90,"start":771.8,"end":809.525},{"sentences":[{"text":"So what I can do is I can include it, and it's not obligation, but I can include it for you so that you can see what starting salary sacrificing at about a $100 per fortnight would look like.","start":811.665,"end":822.1,"sentiment":"neutral","sentiment_score":0.1299841914039392},{"text":"And then you can actually see the comparison, and I can do the the two projections.","start":822.24,"end":826.42,"sentiment":"neutral","sentiment_score":0.23897998686879873},{"text":"I can do one currently, and then I can do another one with the salary sacrifice between now and when you wanna retire.","start":826.48,"end":833.855,"sentiment":"neutral","sentiment_score":0.19767848143111105},{"text":"And then you can actually see the impact yourself as well, and that's sometimes, like, a good way of kind of reassessing everything.","start":833.855,"end":840.675,"sentiment":"neutral","sentiment_score":0.2588088007076927},{"text":"Yep.","start":842.095,"end":842.595,"sentiment":"neutral","sentiment_score":0.11898306012153624}],"sentiment":"neutral","sentiment_score":0.19128680199969048,"num_words":102,"start":811.665,"end":842.595},{"sentences":[{"text":"Now with SuperDart, are you, at the moment, still planning on retiring about 65, or what are you thinking?","start":843.77496,"end":852.83,"sentiment":"neutral","sentiment_score":0.05908403427977311},{"text":"Mhmm.","start":857.93,"end":858.43,"sentiment":"neutral","sentiment_score":-0.012561416253447533},{"text":"Yeah.","start":858.65,"end":859.065,"sentiment":"neutral","sentiment_score":0.002260848879814148},{"text":"Yes.","start":861.625,"end":862.125,"sentiment":"neutral","sentiment_score":0.048660408705472946},{"text":"Yep.","start":869.545,"end":870.045,"sentiment":"neutral","sentiment_score":0.020401056855916977}],"sentiment":"neutral","sentiment_score":0.051363371717541115,"num_words":23,"start":843.77496,"end":870.045},{"sentences":[{"text":"Yes.","start":870.34503,"end":870.84503,"sentiment":"neutral","sentiment_score":-0.008553663268685341},{"text":"Yep.","start":872.84,"end":873.34,"sentiment":"neutral","sentiment_score":0.03125416114926338},{"text":"And are you guys paying the mortgage?","start":875.0,"end":876.78,"sentiment":"neutral","sentiment_score":0.024289500500474657},{"text":"What frequency at the moment?","start":876.92004,"end":878.52,"sentiment":"neutral","sentiment_score":0.01253924760967493},{"text":"Is that monthly or fortnightly?","start":878.52,"end":879.98004,"sentiment":"neutral","sentiment_score":0.01855658143758774}],"sentiment":"neutral","sentiment_score":0.018326639295800737,"num_words":19,"start":870.34503,"end":879.98004},{"sentences":[{"text":"Okay.","start":880.76,"end":881.26,"sentiment":"neutral","sentiment_score":0.06555981189012527},{"text":"That's good.","start":881.32,"end":882.14,"sentiment":"positive","sentiment_score":0.4117048978805542},{"text":"That's nice.","start":897.02997,"end":897.93,"sentiment":"positive","sentiment_score":0.43965041637420654},{"text":"Mhmm.","start":899.99,"end":900.49,"sentiment":"neutral","sentiment_score":0.022984664887189865},{"text":"Mhmm.","start":902.39,"end":902.89,"sentiment":"neutral","sentiment_score":0.03308459371328354}],"sentiment":"neutral","sentiment_score":0.26061995700001717,"num_words":7,"start":880.76,"end":902.89},{"sentences":[{"text":"Yes.","start":911.685,"end":912.185,"sentiment":"neutral","sentiment_score":0.17161202430725098},{"text":"Yes.","start":913.845,"end":914.345,"sentiment":"neutral","sentiment_score":0.1099901720881462},{"text":"Oh, perfect.","start":916.245,"end":916.905,"sentiment":"neutral","sentiment_score":0.26606613397598267},{"text":"Yes.","start":930.26,"end":930.76,"sentiment":"neutral","sentiment_score":0.12806284427642822},{"text":"Yes.","start":931.06,"end":931.56,"sentiment":"neutral","sentiment_score":0.16410183906555176}],"sentiment":"neutral","sentiment_score":0.18431652461489043,"num_words":6,"start":911.685,"end":931.56},{"sentences":[{"text":"Okay.","start":934.14496,"end":934.305,"sentiment":"neutral","sentiment_score":0.017239656299352646},{"text":"It's a bit of a difference.","start":934.305,"end":935.52496,"sentiment":"neutral","sentiment_score":-0.08536015906914447},{"text":"Yeah.","start":936.305,"end":936.785,"sentiment":"neutral","sentiment_score":0.106393501162529},{"text":"No.","start":936.785,"end":937.02496,"sentiment":"neutral","sentiment_score":0.17192858457565308},{"text":"That's a very good idea.","start":937.02496,"end":938.14496,"sentiment":"positive","sentiment_score":0.6177142977714538}],"sentiment":"neutral","sentiment_score":0.20514087689142407,"num_words":14,"start":934.14496,"end":938.14496},{"sentences":[{"text":"And do you know how much you have in the offset roughly?","start":938.14496,"end":941.52496,"sentiment":"neutral","sentiment_score":0.0708423019386828},{"text":"Yes.","start":943.58496,"end":944.08496,"sentiment":"neutral","sentiment_score":0.03059111163020134},{"text":"Or or you if it's separate?","start":944.225,"end":946.005,"sentiment":"neutral","sentiment_score":0.009141177559892336},{"text":"Mhmm.","start":952.46,"end":952.96,"sentiment":"neutral","sentiment_score":0.036329999566078186},{"text":"Oh, perfect.","start":953.02,"end":953.84,"sentiment":"neutral","sentiment_score":0.26620379090309143}],"sentiment":"neutral","sentiment_score":0.06837651734663681,"num_words":22,"start":938.14496,"end":953.84},{"sentences":[{"text":"Yep.","start":954.22003,"end":954.72003,"sentiment":"neutral","sentiment_score":0.19354158639907837},{"text":"And when you refinance the mortgage, do you know did did they give you evaluation on the property as well?","start":956.62,"end":963.465,"sentiment":"neutral","sentiment_score":0.07418845510110259},{"text":"Mhmm.","start":964.325,"end":964.825,"sentiment":"neutral","sentiment_score":0.04610319435596466},{"text":"Oh, perfect.","start":966.005,"end":966.66504,"sentiment":"neutral","sentiment_score":0.19981393218040466},{"text":"And how much mhmm.","start":967.28503,"end":969.385,"sentiment":"neutral","sentiment_score":0.025796914007514715}],"sentiment":"neutral","sentiment_score":0.0795081929702844,"num_words":28,"start":954.22003,"end":969.385},{"sentences":[{"text":"Oh, nice.","start":971.525,"end":972.265,"sentiment":"neutral","sentiment_score":0.11481939628720284},{"text":"Mhmm.","start":972.89996,"end":973.39996,"sentiment":"neutral","sentiment_score":0.02571072243154049},{"text":"Yep.","start":974.5,"end":975.0,"sentiment":"neutral","sentiment_score":0.02992410585284233},{"text":"Oh, perfect.","start":980.66,"end":981.37994,"sentiment":"neutral","sentiment_score":0.25682079792022705},{"text":"Yep.","start":981.37994,"end":981.62,"sentiment":"neutral","sentiment_score":0.136281356215477}],"sentiment":"neutral","sentiment_score":0.1335995104163885,"num_words":7,"start":971.525,"end":981.62},{"sentences":[{"text":"So you do have a lot of equity like you said, which is good, and you've made a quite a bit of a chunk on the mortgage just even we spoke to you last time as well because it was around $3.20.","start":981.62,"end":991.435,"sentiment":"neutral","sentiment_score":0.12762498185925542},{"text":"So mhmm.","start":991.575,"end":992.715,"sentiment":"neutral","sentiment_score":0.0072348982794210315},{"text":"Yeah.","start":1001.35004,"end":1001.85004,"sentiment":"neutral","sentiment_score":-0.0015460411086678505},{"text":"Mhmm.","start":1003.75,"end":1004.25,"sentiment":"neutral","sentiment_score":0.01825375109910965},{"text":"Mhmm.","start":1011.605,"end":1012.105,"sentiment":"neutral","sentiment_score":0.023165497928857803}],"sentiment":"neutral","sentiment_score":0.11520409026738018,"num_words":47,"start":981.62,"end":1012.105},{"sentences":[{"text":"Yep.","start":1013.52496,"end":1014.02496,"sentiment":"neutral","sentiment_score":0.07315434515476227},{"text":"Perfect.","start":1015.605,"end":1016.105,"sentiment":"neutral","sentiment_score":0.15691669285297394},{"text":"Yeah.","start":1019.76495,"end":1020.26495,"sentiment":"neutral","sentiment_score":0.04321723431348801},{"text":"Which makes which which is we we obviously takes a chunk of the the mortgage at the end as well, which which is really good.","start":1021.365,"end":1027.52,"sentiment":"neutral","sentiment_score":0.05802866168320179},{"text":"Okay.","start":1028.62,"end":1029.1,"sentiment":"neutral","sentiment_score":0.26753947138786316}],"sentiment":"neutral","sentiment_score":0.06867394088928042,"num_words":29,"start":1013.52496,"end":1029.1},{"sentences":[{"text":"Perfect.","start":1029.1,"end":1029.6,"sentiment":"positive","sentiment_score":0.3912935554981232},{"text":"So, ideally, retire at 65 if possible.","start":1029.9,"end":1034.0801,"sentiment":"neutral","sentiment_score":0.2686577524457659},{"text":"Now I have here that last time we spoke an ideal income per week was looking at around a thousand dollars per week for you that you ideally would like to draw from super.","start":1035.66,"end":1046.975,"sentiment":"neutral","sentiment_score":0.15899483925279448},{"text":"Is that still achievable, or do you think you would need more or or less?","start":1047.7549,"end":1053.0549,"sentiment":"neutral","sentiment_score":0.018643739446997643},{"text":"Mhmm.","start":1056.2,"end":1056.7,"sentiment":"neutral","sentiment_score":-0.00013337936252355576}],"sentiment":"neutral","sentiment_score":0.13719388050958514,"num_words":58,"start":1029.1,"end":1056.7},{"sentences":[{"text":"Yeah.","start":1060.6,"end":1061.1,"sentiment":"neutral","sentiment_score":0.24615174531936648},{"text":"Yeah.","start":1064.36,"end":1064.52,"sentiment":"neutral","sentiment_score":0.14619484543800354},{"text":"Yeah.","start":1064.52,"end":1065.02,"sentiment":"neutral","sentiment_score":0.26329684257507324},{"text":"Yeah.","start":1066.515,"end":1067.015,"sentiment":"positive","sentiment_score":0.35507073998451233},{"text":"Yeah.","start":1069.715,"end":1070.215,"sentiment":"neutral","sentiment_score":0.1275184154510498}],"sentiment":"neutral","sentiment_score":0.22764651775360106,"num_words":5,"start":1060.6,"end":1070.215},{"sentences":[{"text":"Yep.","start":1074.115,"end":1074.615,"sentiment":"neutral","sentiment_score":0.21443656086921692},{"text":"Perfect.","start":1074.835,"end":1075.335,"sentiment":"positive","sentiment_score":0.5220262408256531},{"text":"And that's what most people say as well if it's, like obviously, depends on how extravagant you want in your retirement.","start":1076.275,"end":1081.735,"sentiment":"neutral","sentiment_score":0.2783985911380677},{"text":"But most people say, well, if I don't have the mortgage, and that is just through you as well, then, obviously, Peter will have from him.","start":1082.25,"end":1088.99,"sentiment":"neutral","sentiment_score":0.026346008794812057},{"text":"So if, let's say, he also draws about a thousand, then that's two thousand dollars combined.","start":1089.21,"end":1093.95,"sentiment":"neutral","sentiment_score":0.05192758422344923}],"sentiment":"neutral","sentiment_score":0.12459493525899373,"num_words":65,"start":1074.115,"end":1093.95},{"sentences":[{"text":"If you don't have the mortgage, then it's just kind of like, yeah, living expenses, some holidays.","start":1094.57,"end":1101.0549,"sentiment":"neutral","sentiment_score":0.03079516944639823},{"text":"So most people say that's pretty achievable.","start":1102.315,"end":1104.815,"sentiment":"neutral","sentiment_score":0.23103377435888564},{"text":"If you have more, great.","start":1106.5549,"end":1108.34,"sentiment":"neutral","sentiment_score":0.22104234397411346},{"text":"But at least something we're trying to work with at least a thousand dollars per week.","start":1108.48,"end":1112.82,"sentiment":"neutral","sentiment_score":0.08590908185578883},{"text":"So that would then be a good kind of indication with the salary sacrifice and and the document I'll put together for you to see, you know, where you are currently if that's kind of achievable and where things are at.","start":1113.12,"end":1126.395,"sentiment":"neutral","sentiment_score":0.140637726136824}],"sentiment":"neutral","sentiment_score":0.12077509421248768,"num_words":86,"start":1094.57,"end":1126.395},{"sentences":[{"text":"So that's really good.","start":1126.535,"end":1127.735,"sentiment":"positive","sentiment_score":0.3798801004886627},{"text":"Yep.","start":1127.735,"end":1128.235,"sentiment":"neutral","sentiment_score":0.15389929711818695},{"text":"Okay.","start":1128.615,"end":1128.9349,"sentiment":"neutral","sentiment_score":0.18917840719223025},{"text":"Perfect.","start":1128.9349,"end":1129.335,"sentiment":"neutral","sentiment_score":0.22480151057243347},{"text":"Now other assets, I have here motor vehicle about 15,000.","start":1129.335,"end":1133.6749,"sentiment":"neutral","sentiment_score":0.05020346529781818}],"sentiment":"neutral","sentiment_score":0.1523196629303343,"num_words":17,"start":1126.535,"end":1133.6749},{"sentences":[{"text":"Yep.","start":1135.31,"end":1135.81,"sentiment":"neutral","sentiment_score":-0.0010147846769541502},{"text":"No.","start":1136.51,"end":1137.01,"sentiment":"neutral","sentiment_score":-0.03964200243353844},{"text":"Perfect.","start":1138.27,"end":1138.77,"sentiment":"neutral","sentiment_score":0.19147838652133944},{"text":"And you didn't have anything owing on that one, do you?","start":1138.8301,"end":1141.25,"sentiment":"neutral","sentiment_score":0.021675186909057877},{"text":"No.","start":1141.79,"end":1142.27,"sentiment":"neutral","sentiment_score":-0.042836010456085205}],"sentiment":"neutral","sentiment_score":0.023094176330293217,"num_words":15,"start":1135.31,"end":1142.27},{"sentences":[{"text":"Perfect.","start":1142.27,"end":1142.77,"sentiment":"neutral","sentiment_score":0.04896802082657814},{"text":"Any other assets that's changed in the last twelve months?","start":1143.31,"end":1146.5901,"sentiment":"neutral","sentiment_score":-0.004156605084426701},{"text":"Any other motor vehicles or boats or anything?","start":1146.5901,"end":1149.5701,"sentiment":"neutral","sentiment_score":-0.0008055724902078509},{"text":"No.","start":1150.2949,"end":1150.775,"sentiment":"neutral","sentiment_score":-0.013509806245565414},{"text":"Perfect.","start":1150.775,"end":1151.275,"sentiment":"neutral","sentiment_score":0.1041329875588417}],"sentiment":"neutral","sentiment_score":0.004360979589234505,"num_words":21,"start":1142.27,"end":1151.275},{"sentences":[{"text":"And any other liabilities, like any personal loans or credit cards or ZipPay or anything?","start":1153.015,"end":1159.515,"sentiment":"neutral","sentiment_score":0.01644223729769389},{"text":"Mhmm.","start":1165.03,"end":1165.53,"sentiment":"neutral","sentiment_score":-0.018344594165682793},{"text":"Mhmm.","start":1169.99,"end":1170.49,"sentiment":"neutral","sentiment_score":0.045304737985134125},{"text":"Perfect.","start":1170.63,"end":1171.13,"sentiment":"positive","sentiment_score":0.34441810846328735},{"text":"Anything else?","start":1171.91,"end":1172.89,"sentiment":"neutral","sentiment_score":0.1740473434329033}],"sentiment":"neutral","sentiment_score":0.04830532493069768,"num_words":20,"start":1153.015,"end":1172.89},{"sentences":[{"text":"Mhmm.","start":1180.485,"end":1180.985,"sentiment":"neutral","sentiment_score":-0.19356921315193176},{"text":"Fuck.","start":1181.205,"end":1181.525,"sentiment":"negative","sentiment_score":-0.6946248412132263},{"text":"Okay.","start":1181.525,"end":1182.025,"sentiment":"neutral","sentiment_score":-0.12075702100992204},{"text":"Yep.","start":1182.405,"end":1182.905,"sentiment":"neutral","sentiment_score":0.009919393807649612},{"text":"Perfect.","start":1183.045,"end":1183.545,"sentiment":"neutral","sentiment_score":0.19420798122882843}],"sentiment":"neutral","sentiment_score":-0.1609647400677204,"num_words":5,"start":1180.485,"end":1183.545},{"sentences":[{"text":"Otherwise, health and lifestyle wise, still a nonsmoker?","start":1185.525,"end":1189.89,"sentiment":"neutral","sentiment_score":-0.06760057620704174},{"text":"Yep.","start":1191.39,"end":1191.79,"sentiment":"neutral","sentiment_score":0.08202562481164932},{"text":"Perfect.","start":1191.79,"end":1192.29,"sentiment":"neutral","sentiment_score":0.3025299906730652},{"text":"And have you had any changes to your health or any injuries or anything, any issues in the last twelve months?","start":1192.35,"end":1199.81,"sentiment":"neutral","sentiment_score":0.04153021921714147},{"text":"No.","start":1200.925,"end":1201.405,"sentiment":"neutral","sentiment_score":-0.11072060465812684}],"sentiment":"neutral","sentiment_score":0.01891140639781952,"num_words":32,"start":1185.525,"end":1201.405},{"sentences":[{"text":"That's great.","start":1201.405,"end":1202.2051,"sentiment":"neutral","sentiment_score":0.16333283483982086},{"text":"And do you have private health insurance?","start":1202.2051,"end":1204.305,"sentiment":"neutral","sentiment_score":0.054766006767749786},{"text":"Yes.","start":1205.805,"end":1206.285,"sentiment":"neutral","sentiment_score":0.07810231298208237},{"text":"Perfect.","start":1206.285,"end":1206.765,"sentiment":"neutral","sentiment_score":0.26900285482406616},{"text":"And is that a hospital cover as well?","start":1206.765,"end":1209.025,"sentiment":"neutral","sentiment_score":0.07427904289215803}],"sentiment":"neutral","sentiment_score":0.0869139593682791,"num_words":19,"start":1201.405,"end":1209.025},{"sentences":[{"text":"Yep.","start":1210.125,"end":1210.605,"sentiment":"neutral","sentiment_score":0.05852784961462021},{"text":"Yep.","start":1210.605,"end":1211.105,"sentiment":"neutral","sentiment_score":0.09482871741056442},{"text":"Great.","start":1211.245,"end":1211.745,"sentiment":"neutral","sentiment_score":0.2616386413574219},{"text":"And estate planning wise, do you guys have a will or power of attorney in place or anything like that?","start":1211.9651,"end":1219.5801,"sentiment":"neutral","sentiment_score":0.021923848427832127},{"text":"No.","start":1220.04,"end":1220.54,"sentiment":"neutral","sentiment_score":-0.2798841893672943}],"sentiment":"neutral","sentiment_score":0.02389949948216478,"num_words":24,"start":1210.125,"end":1220.54},{"sentences":[{"text":"Understood.","start":1224.4401,"end":1224.9401,"sentiment":"neutral","sentiment_score":-0.11855849623680116},{"text":"Yeah.","start":1225.3201,"end":1225.8201,"sentiment":"neutral","sentiment_score":0.01271582953631878},{"text":"And do you know someone local that you could speak to, or would you like us to send you just some information on the firm that we work closely with so you have the pricing just as a reference, if not anything else?","start":1226.4401,"end":1241.355,"sentiment":"neutral","sentiment_score":0.009038027635840483},{"text":"Yeah.","start":1242.0,"end":1242.5,"sentiment":"neutral","sentiment_score":-0.074346162378788},{"text":"Okay.","start":1244.0,"end":1244.5,"sentiment":"neutral","sentiment_score":-0.01942327804863453}],"sentiment":"neutral","sentiment_score":0.004021767685387997,"num_words":47,"start":1224.4401,"end":1244.5},{"sentences":[{"text":"Well, what I can do, yeah, I can get the team to email you the contact of the firm that we work closely if when you guys have time, you wanna have a look at it.","start":1247.2001,"end":1259.3151,"sentiment":"neutral","sentiment_score":0.06728515587747097},{"text":"And it also just includes just basic prices of whether you wanna do a separate will, a joint will, power of attorney.","start":1259.375,"end":1267.0751,"sentiment":"neutral","sentiment_score":0.08199796165254983},{"text":"And that way, you have the information.","start":1267.38,"end":1269.08,"sentiment":"neutral","sentiment_score":0.15216441452503204},{"text":"Sometimes it's a good little reminder as well if it's sitting in the inbox.","start":1269.3,"end":1272.98,"sentiment":"neutral","sentiment_score":0.19413681008986064},{"text":"Like, oh, yeah.","start":1272.98,"end":1273.78,"sentiment":"neutral","sentiment_score":0.04988667989770571}],"sentiment":"neutral","sentiment_score":0.09949935427526148,"num_words":82,"start":1247.2001,"end":1273.78},{"sentences":[{"text":"I gotta get I gotta get on that.","start":1273.78,"end":1275.56,"sentiment":"neutral","sentiment_score":-0.005625015357509255},{"text":"So yeah.","start":1276.58,"end":1278.2,"sentiment":"neutral","sentiment_score":0.2470829114317894},{"text":"Perfect.","start":1278.26,"end":1278.76,"sentiment":"neutral","sentiment_score":0.029868127778172493},{"text":"But, otherwise, obviously, for your beneficiary, sorry, in the event that something were to happen to you, because your superannuation and insurance does not form part of the estate automatically, you can make those direct nominations, which at the moment, we have going through Peter.","start":1279.22,"end":1296.515,"sentiment":"neutral","sentiment_score":0.06114476852946811},{"text":"Is that still the case as well?","start":1296.515,"end":1298.07,"sentiment":"neutral","sentiment_score":0.055932000811610906}],"sentiment":"neutral","sentiment_score":0.057493212972841566,"num_words":63,"start":1273.78,"end":1298.07},{"sentences":[{"text":"Yep.","start":1299.4299,"end":1299.83,"sentiment":"neutral","sentiment_score":0.07136905938386917},{"text":"Yep.","start":1299.83,"end":1300.3099,"sentiment":"neutral","sentiment_score":0.07718664407730103},{"text":"Right.","start":1300.3099,"end":1300.8099,"sentiment":"neutral","sentiment_score":0.06523535400629044},{"text":"Yes.","start":1306.95,"end":1307.45,"sentiment":"neutral","sentiment_score":0.007030392065644264},{"text":"Yes.","start":1308.95,"end":1309.4299,"sentiment":"neutral","sentiment_score":0.12108275294303894}],"sentiment":"neutral","sentiment_score":0.06838084049522877,"num_words":5,"start":1299.4299,"end":1309.4299},{"sentences":[{"text":"And that's where the will is really good as well because then you can put different kind of succession in plan in place for it.","start":1309.4299,"end":1320.755,"sentiment":"neutral","sentiment_score":0.22621811985969542},{"text":"Because the way that things are at the moment, if it goes to Peter as your spouse, he would receive everything tax free.","start":1321.375,"end":1328.58,"sentiment":"neutral","sentiment_score":0.12019366025924683},{"text":"Adult children may have to pay a bit of tax if it goes to them.","start":1329.36,"end":1335.62,"sentiment":"neutral","sentiment_score":-0.0851555881400903},{"text":"So from a tax structure, if it goes to him, obviously, it's tax free.","start":1335.9199,"end":1341.225,"sentiment":"neutral","sentiment_score":0.09691018371709756},{"text":"But then, yeah, if there are obviously other parties and stuff involved, it could be a really good idea with the will as well.","start":1341.9249,"end":1347.765,"sentiment":"neutral","sentiment_score":0.22186691282937923}],"sentiment":"neutral","sentiment_score":0.13687249346829877,"num_words":101,"start":1309.4299,"end":1347.765},{"sentences":[{"text":"Or if something were to happen to both of you, I will is is a really good idea to kind of go through things in a little bit more detail.","start":1347.765,"end":1357.4,"sentiment":"neutral","sentiment_score":0.17663715134064356},{"text":"Perfect.","start":1360.26,"end":1360.76,"sentiment":"positive","sentiment_score":0.5051310062408447},{"text":"Otherwise, aside from your, obviously, the salary sacrifice and, obviously, settling to your job and everything, do you guys have a focusing on reducing the mortgage?","start":1361.54,"end":1374.095,"sentiment":"neutral","sentiment_score":0.0687410203883281},{"text":"Do you guys have any other financial goals that you are working towards?","start":1374.095,"end":1377.7949,"sentiment":"neutral","sentiment_score":0.05592584925202223},{"text":"Nope.","start":1381.1,"end":1381.6,"sentiment":"neutral","sentiment_score":-0.07173560559749603}],"sentiment":"neutral","sentiment_score":0.1161522888906405,"num_words":71,"start":1347.765,"end":1381.6},{"sentences":[{"text":"Yep.","start":1387.26,"end":1387.76,"sentiment":"neutral","sentiment_score":0.03535088151693344},{"text":"Yep.","start":1389.58,"end":1390.08,"sentiment":"neutral","sentiment_score":0.05153608322143555},{"text":"No.","start":1392.795,"end":1392.875,"sentiment":"neutral","sentiment_score":0.10489919781684875},{"text":"That's good.","start":1392.875,"end":1393.355,"sentiment":"neutral","sentiment_score":0.32875604927539825},{"text":"And it's now you had it refinance, which is good because that's often something if you haven't had in a long time.","start":1393.355,"end":1398.155,"sentiment":"neutral","sentiment_score":0.27218727953732014}],"sentiment":"neutral","sentiment_score":0.25323771892322433,"num_words":27,"start":1387.26,"end":1398.155},{"sentences":[{"text":"I'm I usually suggest just just do it every year.","start":1398.155,"end":1401.295,"sentiment":"neutral","sentiment_score":0.19348149001598358},{"text":"Just have a look at it because, especially, the way the property market and stuff has been, if there's, you know, more equity in the property and you can get that loan value ratio down, you can get slightly better interest rate.","start":1401.435,"end":1415.13,"sentiment":"neutral","sentiment_score":0.16882543531911715},{"text":"You can pay things up quicker.","start":1415.13,"end":1417.31,"sentiment":"neutral","sentiment_score":0.3171405891577403},{"text":"Another way is changing the structure.","start":1417.9249,"end":1419.845,"sentiment":"neutral","sentiment_score":0.2602635944883029},{"text":"So you guys are already paying fortnightly, which is good.","start":1419.845,"end":1422.585,"sentiment":"positive","sentiment_score":0.44706561267375944}],"sentiment":"neutral","sentiment_score":0.229196816380765,"num_words":74,"start":1398.155,"end":1422.585},{"sentences":[{"text":"Sometimes if you pay it monthly, obviously, with interest and everything, reducing it to fortnightly can speed it up a little bit.","start":1422.645,"end":1428.585,"sentiment":"neutral","sentiment_score":0.30099540474739944},{"text":"So you're kind of already doing a lot of it.","start":1428.725,"end":1431.0449,"sentiment":"neutral","sentiment_score":0.29270403534173967},{"text":"You have the offset account again, which is great.","start":1431.0449,"end":1433.465,"sentiment":"positive","sentiment_score":0.4879661268658108},{"text":"Sorry.","start":1435.6599,"end":1436.0599,"sentiment":"neutral","sentiment_score":0.30636805295944214},{"text":"I think you guys are are on track pretty good for where things are at when it comes to that.","start":1436.0599,"end":1441.1799,"sentiment":"neutral","sentiment_score":0.25733681246638296}],"sentiment":"neutral","sentiment_score":0.31280223712805777,"num_words":62,"start":1422.645,"end":1441.1799},{"sentences":[{"text":"But, obviously, if there's anything else that you guys need assistance with at any point, just let me know.","start":1441.1799,"end":1446.96,"sentiment":"neutral","sentiment_score":0.11707383943231482},{"text":"Yep.","start":1448.1749,"end":1448.6749,"sentiment":"positive","sentiment_score":0.3633825182914734},{"text":"Perfect.","start":1449.775,"end":1450.275,"sentiment":"positive","sentiment_score":0.6383414268493652},{"text":"Now, otherwise, when it comes to your superannuation, what I will do is just quickly go through just another risk profile questionnaire with you just to see if your risk tolerance has changed.","start":1450.735,"end":1464.4601,"sentiment":"neutral","sentiment_score":0.06172305435845346},{"text":"Now think of these questions as well in regards to your superannuation, so obviously being a little bit more long term.","start":1465.16,"end":1472.3,"sentiment":"neutral","sentiment_score":0.07657975792175248}],"sentiment":"neutral","sentiment_score":0.09161550139387449,"num_words":75,"start":1441.1799,"end":1472.3},{"sentences":[{"text":"And if it doesn't make sense, just just let me know.","start":1473.0,"end":1476.2201,"sentiment":"neutral","sentiment_score":-0.012157250703735785},{"text":"Yeah.","start":1477.5149,"end":1477.9149,"sentiment":"neutral","sentiment_score":0.15045839548110962},{"text":"And it's all multiple choice as well, and you can just choose whichever you feel aligns with you the most.","start":1477.9149,"end":1482.735,"sentiment":"neutral","sentiment_score":0.24249645844101905},{"text":"Yep.","start":1483.9149,"end":1484.4149,"sentiment":"neutral","sentiment_score":0.03333136439323425},{"text":"Now have you ever bought direct shares yourself on the stock market?","start":1485.355,"end":1490.1749,"sentiment":"neutral","sentiment_score":0.02111247112043202}],"sentiment":"neutral","sentiment_score":0.1145186405421959,"num_words":45,"start":1473.0,"end":1490.1749},{"sentences":[{"text":"No.","start":1496.9501,"end":1497.4501,"sentiment":"neutral","sentiment_score":-0.07681915163993835},{"text":"No.","start":1497.5901,"end":1498.0901,"sentiment":"neutral","sentiment_score":-0.08742330968379974},{"text":"Yeah.","start":1499.99,"end":1500.49,"sentiment":"neutral","sentiment_score":-0.02293187379837036},{"text":"No.","start":1500.63,"end":1500.9501,"sentiment":"neutral","sentiment_score":-0.07210857421159744},{"text":"That's all good.","start":1500.9501,"end":1502.17,"sentiment":"neutral","sentiment_score":0.036868819346030555}],"sentiment":"neutral","sentiment_score":-0.021239493042230606,"num_words":7,"start":1496.9501,"end":1502.17},{"sentences":[{"text":"And when it comes through the level of risk that you are comfortable with in regards to your superannuation, would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation?","start":1503.895,"end":1524.88,"sentiment":"neutral","sentiment_score":-0.047942879903332694},{"text":"High, moderate.","start":1529.9149,"end":1530.715,"sentiment":"neutral","sentiment_score":-0.008865518495440483},{"text":"And if you which one would you lean more towards?","start":1530.715,"end":1533.2949,"sentiment":"neutral","sentiment_score":-0.015533232875168324},{"text":"Mhmm.","start":1538.235,"end":1538.735,"sentiment":"neutral","sentiment_score":-0.03523744270205498},{"text":"Mhmm.","start":1541.61,"end":1542.11,"sentiment":"neutral","sentiment_score":0.036191876977682114}],"sentiment":"neutral","sentiment_score":-0.039624690117004015,"num_words":60,"start":1503.895,"end":1542.11},{"sentences":[{"text":"Yep.","start":1547.6174,"end":1548.1174,"sentiment":"neutral","sentiment_score":-0.20344166457653048},{"text":"Yep.","start":1554.185,"end":1554.685,"sentiment":"neutral","sentiment_score":-0.024142920970916748},{"text":"Mhmm.","start":1560.745,"end":1560.825,"sentiment":"neutral","sentiment_score":-0.05192044377326965},{"text":"Yep.","start":1560.825,"end":1561.325,"sentiment":"neutral","sentiment_score":-0.0371040478348732},{"text":"Yep.","start":1561.865,"end":1562.365,"sentiment":"neutral","sentiment_score":0.0017686908831819892}],"sentiment":"neutral","sentiment_score":-0.06296807725448161,"num_words":5,"start":1547.6174,"end":1562.365},{"sentences":[{"text":"Okay.","start":1565.64,"end":1566.14,"sentiment":"neutral","sentiment_score":0.06020116433501243},{"text":"Yes.","start":1569.88,"end":1570.38,"sentiment":"neutral","sentiment_score":0.1750490367412567},{"text":"Yep.","start":1573.96,"end":1574.46,"sentiment":"neutral","sentiment_score":-0.016532329842448235},{"text":"Yep.","start":1576.2001,"end":1576.7001,"sentiment":"neutral","sentiment_score":0.04264983534812927},{"text":"No.","start":1576.84,"end":1577.16,"sentiment":"neutral","sentiment_score":-0.07915128767490387}],"sentiment":"neutral","sentiment_score":0.036443283781409264,"num_words":5,"start":1565.64,"end":1577.16},{"sentences":[{"text":"It totally does.","start":1577.16,"end":1578.46,"sentiment":"neutral","sentiment_score":0.017529261608918507},{"text":"And when it comes to fluctuations, which kind of ties into what you mentioned as well.","start":1579.96,"end":1585.645,"sentiment":"neutral","sentiment_score":-0.10943911666981876},{"text":"So on a hypothetical basis, if you place an investment and after six months, it drops by 20% due to general trends in the market.","start":1585.785,"end":1600.07,"sentiment":"neutral","sentiment_score":-0.20933108121156693},{"text":"So let's not it's not like one investment that just went really bad.","start":1600.07,"end":1603.69,"sentiment":"neutral","sentiment_score":-0.22585786019380277},{"text":"It's just kind of the market as a whole.","start":1603.91,"end":1606.09,"sentiment":"neutral","sentiment_score":-0.10927831215990914}],"sentiment":"neutral","sentiment_score":-0.1644147288505778,"num_words":66,"start":1577.16,"end":1606.09},{"sentences":[{"text":"Would you, if you had the option to do so, think that, well, now is potentially a good time to put more money in while the prices are down, or would you kind of be a bit more neutral, just kind of wait and see what happens, or would you want to shift to a secure asset, but that means you are then selling or the prices have already dropped?","start":1607.19,"end":1628.65,"sentiment":"neutral","sentiment_score":-0.07969135556902204},{"text":"Mhmm.","start":1633.51,"end":1634.01,"sentiment":"neutral","sentiment_score":-0.03270513564348221},{"text":"Yep.","start":1636.79,"end":1637.29,"sentiment":"neutral","sentiment_score":0.10748054087162018},{"text":"Yep.","start":1637.5901,"end":1638.0901,"sentiment":"neutral","sentiment_score":0.175399050116539},{"text":"Perfect.","start":1638.265,"end":1638.765,"sentiment":"positive","sentiment_score":0.45741450786590576}],"sentiment":"neutral","sentiment_score":-0.06582170171109405,"num_words":74,"start":1607.19,"end":1638.765},{"sentences":[{"text":"And would you put a lot in or just, like, a little bit?","start":1639.065,"end":1643.085,"sentiment":"neutral","sentiment_score":0.09288031521898049},{"text":"Yeah.","start":1647.625,"end":1647.945,"sentiment":"neutral","sentiment_score":0.007769504562020302},{"text":"It's one of those some of the questions are tricky.","start":1647.945,"end":1650.365,"sentiment":"neutral","sentiment_score":-0.00036560911685228347},{"text":"Yep.","start":1655.97,"end":1656.47,"sentiment":"neutral","sentiment_score":-0.027135200798511505},{"text":"Maybe a little bit.","start":1656.61,"end":1657.83,"sentiment":"neutral","sentiment_score":-0.07599211111664772}],"sentiment":"neutral","sentiment_score":0.030360478137073845,"num_words":29,"start":1639.065,"end":1657.83},{"sentences":[{"text":"Yeah.","start":1658.93,"end":1659.33,"sentiment":"neutral","sentiment_score":0.04280148446559906},{"text":"Yeah.","start":1659.33,"end":1659.83,"sentiment":"neutral","sentiment_score":0.07124023884534836},{"text":"Okay.","start":1659.89,"end":1660.29,"sentiment":"neutral","sentiment_score":0.17188957333564758},{"text":"Perfect.","start":1660.29,"end":1660.79,"sentiment":"positive","sentiment_score":0.3771450519561768},{"text":"And if you did have any investments at any point in time, fluctuating drop in value.","start":1662.85,"end":1669.235,"sentiment":"neutral","sentiment_score":-0.057814904721453786}],"sentiment":"neutral","sentiment_score":-0.01309810634702444,"num_words":20,"start":1658.93,"end":1669.235},{"sentences":[{"text":"So let's say your superannuation the last twelve months, I'm sure you've obviously seen on the news that there's obviously been a bit of bit of turbulence in the market the last twelve months.","start":1669.855,"end":1680.255,"sentiment":"neutral","sentiment_score":-0.044825091725215316},{"text":"Obviously, everything in The US and Trump and tariffs and everything saw a bit of fluctuation.","start":1680.255,"end":1685.12,"sentiment":"neutral","sentiment_score":-0.08406254672445357},{"text":"And, obviously, more recently with the war as well, it has seen a bit of fluctuation.","start":1685.4199,"end":1689.52,"sentiment":"neutral","sentiment_score":-0.07435963861644268},{"text":"When you did see a bit of a drop in value, would you feel optimistic about potential investment opportunities?","start":1691.58,"end":1700.405,"sentiment":"neutral","sentiment_score":-0.09216834702774097},{"text":"Kind of a bit more neutral, wouldn't make further investments, but understand that that's kind of the nature of the market sometime as well, or would you feel quite concerned or anxious?","start":1701.4249,"end":1713.2699,"sentiment":"neutral","sentiment_score":-0.13876344019081444}],"sentiment":"neutral","sentiment_score":-0.08761057063029745,"num_words":117,"start":1669.855,"end":1713.2699},{"sentences":[{"text":"Mhmm.","start":1719.8899,"end":1720.3899,"sentiment":"neutral","sentiment_score":-0.018117640167474747},{"text":"Mhmm.","start":1723.265,"end":1723.765,"sentiment":"neutral","sentiment_score":0.016958631575107574},{"text":"Yep.","start":1725.025,"end":1725.525,"sentiment":"neutral","sentiment_score":0.000680193305015564},{"text":"Yes.","start":1727.1849,"end":1727.6849,"sentiment":"neutral","sentiment_score":0.017672404646873474},{"text":"Yep.","start":1730.3049,"end":1730.8049,"sentiment":"neutral","sentiment_score":0.016156628727912903}],"sentiment":"neutral","sentiment_score":0.0066700436174869536,"num_words":5,"start":1719.8899,"end":1730.8049},{"sentences":[{"text":"Yeah.","start":1732.225,"end":1732.725,"sentiment":"neutral","sentiment_score":0.01793348789215088},{"text":"Yep.","start":1733.4249,"end":1733.9249,"sentiment":"neutral","sentiment_score":0.10617010295391084},{"text":"Perfect.","start":1734.145,"end":1734.645,"sentiment":"positive","sentiment_score":0.42318055033683777},{"text":"That's good.","start":1736.29,"end":1736.6901,"sentiment":"positive","sentiment_score":0.4664436876773834},{"text":"And it's good that you've you've looked every now and then as well and understand and see it.","start":1736.6901,"end":1741.49,"sentiment":"neutral","sentiment_score":0.23398584013597834}],"sentiment":"neutral","sentiment_score":0.24747463647762072,"num_words":23,"start":1732.225,"end":1741.49},{"sentences":[{"text":"Because sometimes when people like, if you just look once, for example, and it's just when the market has had a little bit of a dip, that might make some people feel a bit worried if they don't look in a long period of time.","start":1741.49,"end":1753.625,"sentiment":"neutral","sentiment_score":-0.09015913895434803},{"text":"But you looking fairly sometimes looking on a daily can also be detrimental if if that is something that stresses you a lot.","start":1753.925,"end":1761.3,"sentiment":"neutral","sentiment_score":-0.2160794712279154},{"text":"But looking every now and then is good because then you actually see firsthand as well those fluctuations.","start":1761.54,"end":1767.88,"sentiment":"neutral","sentiment_score":0.08551848410732216},{"text":"And you can kind of see things going up and down as long as everything's moving in the right direction long term, then then that's really good.","start":1768.9,"end":1777.065,"sentiment":"neutral","sentiment_score":0.14074878905106475},{"text":"Now last one here is in regards to borrowing money.","start":1778.085,"end":1781.3049,"sentiment":"neutral","sentiment_score":0.08444387167692184}],"sentiment":"neutral","sentiment_score":-0.02311382403339797,"num_words":123,"start":1741.49,"end":1781.3049},{"sentences":[{"text":"So would you ever consider taking out a loan to invest in stocks or funds?","start":1781.605,"end":1787.065,"sentiment":"neutral","sentiment_score":0.10742633044719696},{"text":"Yep.","start":1791.0599,"end":1791.5599,"sentiment":"neutral","sentiment_score":0.05101826414465904},{"text":"Yep.","start":1791.94,"end":1792.44,"sentiment":"neutral","sentiment_score":0.06815678626298904},{"text":"Mhmm.","start":1799.22,"end":1799.72,"sentiment":"neutral","sentiment_score":-0.05656205862760544},{"text":"Mhmm.","start":1809.665,"end":1809.905,"sentiment":"neutral","sentiment_score":-0.3004898428916931}],"sentiment":"neutral","sentiment_score":0.07229042661033179,"num_words":19,"start":1781.605,"end":1809.905},{"sentences":[{"text":"Yeah.","start":1809.905,"end":1810.405,"sentiment":"neutral","sentiment_score":-0.19784079492092133},{"text":"Yeah.","start":1812.48,"end":1812.98,"sentiment":"neutral","sentiment_score":-0.11325931549072266},{"text":"Yeah.","start":1816.32,"end":1816.82,"sentiment":"neutral","sentiment_score":0.059735458344221115},{"text":"Yep.","start":1819.04,"end":1819.54,"sentiment":"neutral","sentiment_score":0.2102904766798019},{"text":"Mhmm.","start":1823.12,"end":1823.62,"sentiment":"neutral","sentiment_score":0.07708018273115158}],"sentiment":"neutral","sentiment_score":0.007201201468706125,"num_words":5,"start":1809.905,"end":1823.62},{"sentences":[{"text":"Mhmm.","start":1823.68,"end":1824.18,"sentiment":"neutral","sentiment_score":0.047578245401382446},{"text":"Yes.","start":1828.3049,"end":1828.8049,"sentiment":"neutral","sentiment_score":0.15927550196647644},{"text":"Yes.","start":1831.745,"end":1832.245,"sentiment":"neutral","sentiment_score":0.17924542725086212},{"text":"Yep.","start":1832.945,"end":1833.445,"sentiment":"neutral","sentiment_score":0.23428943753242493},{"text":"Yep.","start":1834.3049,"end":1834.785,"sentiment":"neutral","sentiment_score":0.10463719069957732}],"sentiment":"neutral","sentiment_score":0.14500516057014465,"num_words":5,"start":1823.68,"end":1834.785},{"sentences":[{"text":"Definitely.","start":1834.785,"end":1835.285,"sentiment":"neutral","sentiment_score":0.11080007255077362},{"text":"Mhmm.","start":1836.24,"end":1836.74,"sentiment":"neutral","sentiment_score":-0.019172918051481247},{"text":"Okay.","start":1840.08,"end":1840.58,"sentiment":"neutral","sentiment_score":0.08244257420301437},{"text":"So potentially something to be open to.","start":1841.28,"end":1844.02,"sentiment":"neutral","sentiment_score":0.13650252031428473},{"text":"Yeah.","start":1845.92,"end":1846.32,"sentiment":"neutral","sentiment_score":0.11914293467998505}],"sentiment":"neutral","sentiment_score":0.1135209368711168,"num_words":11,"start":1834.785,"end":1846.32},{"sentences":[{"text":"No.","start":1846.32,"end":1846.82,"sentiment":"neutral","sentiment_score":-0.039279572665691376},{"text":"I guess it would also be well, what would be more important to you?","start":1851.055,"end":1856.415,"sentiment":"neutral","sentiment_score":0.13656538405588695},{"text":"What would you feel comfortable with?","start":1856.415,"end":1857.855,"sentiment":"neutral","sentiment_score":0.11386321733395259},{"text":"Would the main goal be that you wanna have the mortgage completely paid off by the time you guys retire, or would you be happy having, you know, a bit of debt and utilizing that through invest as well?","start":1857.855,"end":1873.51,"sentiment":"neutral","sentiment_score":0.1519434643097413},{"text":"Yep.","start":1888.48,"end":1888.88,"sentiment":"neutral","sentiment_score":-0.12043758481740952}],"sentiment":"neutral","sentiment_score":0.13706840379316299,"num_words":61,"start":1846.32,"end":1888.88},{"sentences":[{"text":"Yep.","start":1888.88,"end":1889.38,"sentiment":"neutral","sentiment_score":-0.18757180869579315},{"text":"Yes.","start":1891.6,"end":1892.1,"sentiment":"neutral","sentiment_score":-0.005938008427619934},{"text":"Yes.","start":1902.175,"end":1902.675,"sentiment":"neutral","sentiment_score":0.07177048921585083},{"text":"Mhmm.","start":1905.535,"end":1906.035,"sentiment":"neutral","sentiment_score":0.04306720942258835},{"text":"Mhmm.","start":1908.015,"end":1908.515,"sentiment":"neutral","sentiment_score":-0.03505248203873634}],"sentiment":"neutral","sentiment_score":-0.02274492010474205,"num_words":5,"start":1888.88,"end":1908.515},{"sentences":[{"text":"Yep.","start":1913.55,"end":1914.05,"sentiment":"neutral","sentiment_score":-0.004117713309824467},{"text":"Yep.","start":1925.645,"end":1926.145,"sentiment":"neutral","sentiment_score":0.04139566421508789},{"text":"Yeah.","start":1929.405,"end":1929.905,"sentiment":"neutral","sentiment_score":0.02508954331278801},{"text":"Mhmm.","start":1936.1399,"end":1936.6399,"sentiment":"neutral","sentiment_score":-0.04512323439121246},{"text":"The interest.","start":1941.6599,"end":1942.48,"sentiment":"neutral","sentiment_score":-0.022695479914546013}],"sentiment":"neutral","sentiment_score":-0.004691116667042176,"num_words":6,"start":1913.55,"end":1942.48},{"sentences":[{"text":"Yeah.","start":1943.1799,"end":1943.58,"sentiment":"neutral","sentiment_score":0.0037280619144439697},{"text":"So everything is kind of a little bit up in the air with the the new budget proposals and everything like that.","start":1943.58,"end":1948.7999,"sentiment":"neutral","sentiment_score":-0.03202703256498684},{"text":"But but, yeah, otherwise, it used to be, obviously, the the interest on the borrowing for investment purposes would be offset by tax.","start":1950.505,"end":1958.845,"sentiment":"neutral","sentiment_score":-0.041672970856661384},{"text":"But, obviously, everything is a little bit up in the air with with the budget.","start":1958.985,"end":1963.25,"sentiment":"neutral","sentiment_score":-0.042839884261290234},{"text":"But what I can do is I can actually make a little note here as as well.","start":1963.25,"end":1967.09,"sentiment":"neutral","sentiment_score":0.1617848474313231}],"sentiment":"neutral","sentiment_score":0.00574870715634181,"num_words":78,"start":1943.1799,"end":1967.09},{"sentences":[{"text":"So even, like, for next under review, hopefully, everything is a little bit more clear.","start":1967.09,"end":1970.7699,"sentiment":"neutral","sentiment_score":0.032092931866645816},{"text":"Or if it's before that, you guys let me know.","start":1970.7699,"end":1973.11,"sentiment":"neutral","sentiment_score":0.02236828450113535},{"text":"But then I can do that even if it suits the both you and Peter.","start":1973.6499,"end":1977.965,"sentiment":"neutral","sentiment_score":0.15386711756388347},{"text":"We could always do a joint annual review for the two of you, and then we can be assessed potentially looking at some different investment options, what that would look like once there's a bit more kind of clarity in regards through all the proposals and everything like that.","start":1977.965,"end":1993.3099,"sentiment":"neutral","sentiment_score":0.0836718215093929},{"text":"So I can make a little note that we can have a look at that.","start":1993.3099,"end":1998.21,"sentiment":"neutral","sentiment_score":0.1287018748621146}],"sentiment":"neutral","sentiment_score":0.08695702849385831,"num_words":104,"start":1967.09,"end":1998.21},{"sentences":[{"text":"Yes.","start":2000.605,"end":2001.105,"sentiment":"neutral","sentiment_score":0.04262758791446686},{"text":"Yes.","start":2005.085,"end":2005.585,"sentiment":"neutral","sentiment_score":0.09957040846347807},{"text":"Well, that's it.","start":2006.125,"end":2006.845,"sentiment":"neutral","sentiment_score":0.1551760509610176},{"text":"That's a good goal, though, and then you guys can obviously work on that together.","start":2006.845,"end":2009.885,"sentiment":"positive","sentiment_score":0.5614151815573375},{"text":"So I'll just make a little note that we can potentially look at the under review together for the two of you next year and then to explore options for potentially different personal investments, whether that be taking out a loan or or utilizing property as well for it as a little a little goal, which is good.","start":2009.885,"end":2035.6849,"sentiment":"neutral","sentiment_score":0.28473848168706073}],"sentiment":"neutral","sentiment_score":0.32748443346757156,"num_words":78,"start":2000.605,"end":2035.6849},{"sentences":[{"text":"Otherwise, I have they basically have told me here so from those questions, it has told me that you have come out as a kind of in between a high growth and a growth investor.","start":2037.985,"end":2049.85,"sentiment":"neutral","sentiment_score":0.09953866473266057},{"text":"It's the right kind of borderline.","start":2049.9102,"end":2051.45,"sentiment":"neutral","sentiment_score":0.04032280916968981},{"text":"Now at the moment, we have you invested in a growth portfolio.","start":2052.1501,"end":2056.73,"sentiment":"neutral","sentiment_score":0.09981784038245678},{"text":"Do you remember like, do you know the difference between a growth and a high growth investor?","start":2057.75,"end":2062.795,"sentiment":"neutral","sentiment_score":0.007942528025630642},{"text":"Have you heard much about it?","start":2063.175,"end":2064.795,"sentiment":"neutral","sentiment_score":-0.005401312684019406}],"sentiment":"neutral","sentiment_score":0.06613446454713612,"num_words":76,"start":2037.985,"end":2064.795},{"sentences":[{"text":"No.","start":2066.615,"end":2067.115,"sentiment":"neutral","sentiment_score":-0.13361889123916626},{"text":"No.","start":2067.175,"end":2067.4949,"sentiment":"neutral","sentiment_score":-0.1370227038860321},{"text":"That's okay.","start":2067.4949,"end":2068.055,"sentiment":"neutral","sentiment_score":-0.04506627283990383},{"text":"Most people will sound like, oh, can you just find out me again?","start":2068.055,"end":2070.7148,"sentiment":"neutral","sentiment_score":0.009276657436902706},{"text":"Basically, both a high growth and a growth investor are similar in that you're looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time.","start":2072.31,"end":2082.1702,"sentiment":"neutral","sentiment_score":0.19557337590626309}],"sentiment":"neutral","sentiment_score":0.12701712620372957,"num_words":52,"start":2066.615,"end":2082.1702},{"sentences":[{"text":"But, also, that you are comfortable experiencing some level of fluctuations in order to achieve that.","start":2082.23,"end":2088.705,"sentiment":"neutral","sentiment_score":0.09718174021691084},{"text":"Now the difference between them is that in a high growth portfolio, typically, we invest 90% in what we call your growth assets.","start":2089.3252,"end":2102.5,"sentiment":"neutral","sentiment_score":0.19652613738308783},{"text":"So that is a combination of Australian shares, international shares, and property as well.","start":2102.9602,"end":2109.54,"sentiment":"neutral","sentiment_score":0.239904380270413},{"text":"And that is basically what's going to kind of maximize that return for you and about 10% in defensive to limit fluctuations a little bit, and that will be things like cash, fixed interest, and gold as well.","start":2109.9202,"end":2124.405,"sentiment":"neutral","sentiment_score":0.30570423524630697},{"text":"Now the growth portfolio, it's about a 10% difference.","start":2125.2,"end":2128.98,"sentiment":"neutral","sentiment_score":0.1215893245405621}],"sentiment":"neutral","sentiment_score":0.221447351872921,"num_words":100,"start":2082.23,"end":2128.98},{"sentences":[{"text":"So it's about eighty twenty.","start":2129.44,"end":2131.38,"sentiment":"neutral","sentiment_score":0.13766495436429976},{"text":"So 80% in growth.","start":2131.44,"end":2132.96,"sentiment":"neutral","sentiment_score":0.1687636636197567},{"text":"So still a big amount, obviously, with focus towards growth, but 20 in defensive.","start":2132.96,"end":2138.9,"sentiment":"neutral","sentiment_score":0.1738379815859454},{"text":"Now what also comes into play is a time frame because you also wanna make sure, like you touched on as well, that you wanna make sure you have enough time in the market.","start":2139.845,"end":2150.025,"sentiment":"neutral","sentiment_score":0.12702812144861503},{"text":"So in a growth portfolio, ideally, we would like to see about at least six years until retirement, a high growth, typically, at least eight years.","start":2151.2048,"end":2163.62,"sentiment":"neutral","sentiment_score":0.16901389652719864}],"sentiment":"neutral","sentiment_score":0.1507280555116125,"num_words":83,"start":2129.44,"end":2163.62},{"sentences":[{"text":"What do you think of that?","start":2167.615,"end":2168.895,"sentiment":"neutral","sentiment_score":0.1462295005718867},{"text":"Are you still happy to kind of maintain your growth portfolio?","start":2168.895,"end":2172.2751,"sentiment":"neutral","sentiment_score":0.20024712925607507},{"text":"Because if you do move to a high growth, yes, long term, you can have more growth, but short term, you will have a bit more of those ups and downs.","start":2172.3352,"end":2180.435,"sentiment":"neutral","sentiment_score":-0.13493872265661916},{"text":"Or are you quite happy with the level of risk you are taking on at the moment in your your growth portfolio, which is still targeted towards obviously growing your superannuation?","start":2181.62,"end":2190.76,"sentiment":"neutral","sentiment_score":-0.1562275532032213},{"text":"No.","start":2196.035,"end":2196.535,"sentiment":"neutral","sentiment_score":-0.29617273807525635}],"sentiment":"neutral","sentiment_score":-0.07802789830602705,"num_words":80,"start":2167.615,"end":2196.535},{"sentences":[{"text":"Like, your because you yep.","start":2196.755,"end":2199.155,"sentiment":"neutral","sentiment_score":-0.21531912684440613},{"text":"You go.","start":2199.155,"end":2199.4749,"sentiment":"neutral","sentiment_score":-0.17862234264612198},{"text":"Sorry.","start":2199.4749,"end":2199.9749,"sentiment":"neutral","sentiment_score":-0.1342848390340805},{"text":"Yes.","start":2205.81,"end":2206.31,"sentiment":"neutral","sentiment_score":-0.003196433186531067},{"text":"Yeah.","start":2210.05,"end":2210.55,"sentiment":"neutral","sentiment_score":-0.14397504925727844}],"sentiment":"neutral","sentiment_score":-0.17152966409921647,"num_words":10,"start":2196.755,"end":2210.55},{"sentences":[{"text":"Yes.","start":2214.29,"end":2214.79,"sentiment":"neutral","sentiment_score":0.10890083014965056},{"text":"Yes.","start":2214.85,"end":2215.25,"sentiment":"neutral","sentiment_score":0.2314584106206894},{"text":"That totally makes sense.","start":2215.25,"end":2216.29,"sentiment":"positive","sentiment_score":0.4266812801361084},{"text":"Now having a look at your portfolio, especially because we have had a bit of term loans, things are are doing pretty good.","start":2216.29,"end":2221.595,"sentiment":"positive","sentiment_score":0.498189029486283},{"text":"Your salary sacrificing will also boost things more.","start":2221.595,"end":2225.695,"sentiment":"positive","sentiment_score":0.3633340187370777}],"sentiment":"positive","sentiment_score":0.4435703834971866,"num_words":37,"start":2214.29,"end":2225.695},{"sentences":[{"text":"Taking on more risk might not be necessary, especially because the closer you get to retirement as well.","start":2227.035,"end":2231.9949,"sentiment":"neutral","sentiment_score":0.025688113023837406},{"text":"Because at the moment with the current legislation, if things change for you, you can access super.","start":2231.9949,"end":2236.8,"sentiment":"neutral","sentiment_score":0.035038582542363333},{"text":"If you decide to stop working, you can access super at 60.","start":2236.8,"end":2240.58,"sentiment":"neutral","sentiment_score":-0.035952954242626824},{"text":"So that six years is kind of a good time frame.","start":2241.2,"end":2245.3,"sentiment":"neutral","sentiment_score":0.2155863344669342},{"text":"Now, obviously, if you decide to work to 65 or however long, more money in super means, obviously, growing, more contributions will boost things further.","start":2245.635,"end":2255.095,"sentiment":"neutral","sentiment_score":0.18407965183258057}],"sentiment":"neutral","sentiment_score":0.09156683688781347,"num_words":83,"start":2227.035,"end":2255.095},{"sentences":[{"text":"But if something changed and you decide, oh, actually, I do wanna retire earlier than 65, I think that six year, what you're currently in in growth is is probably quite suitable.","start":2255.315,"end":2267.12,"sentiment":"neutral","sentiment_score":0.08801409683655947},{"text":"And what I will do anyway is when I do have a look at the salary sacrifice, a bit of an update on your investments, especially with your new income, which makes a big difference.","start":2268.78,"end":2279.5151,"sentiment":"neutral","sentiment_score":0.1461455638919558},{"text":"I will have a look at your investments as well just to see if there is any that is underperforming a little bit.","start":2279.5151,"end":2287.115,"sentiment":"neutral","sentiment_score":-0.029870816061030262},{"text":"Obviously, we're changing market conditions where everything's at.","start":2287.115,"end":2290.26,"sentiment":"neutral","sentiment_score":-0.1516321264207363},{"text":"And then I can if if I do do the research and feel like there is one or two we wanna swap out, then I can put that together for you, but still maintaining the level of risk by making sure everything is working smoothly for you.","start":2290.98,"end":2305.245,"sentiment":"neutral","sentiment_score":0.20919767228212763}],"sentiment":"neutral","sentiment_score":0.10940517690675013,"num_words":145,"start":2255.315,"end":2305.245},{"sentences":[{"text":"Yep.","start":2306.685,"end":2307.185,"sentiment":"neutral","sentiment_score":0.24009749293327332},{"text":"Okay.","start":2316.5251,"end":2317.0251,"sentiment":"neutral","sentiment_score":0.09648816287517548},{"text":"Yes.","start":2317.165,"end":2317.665,"sentiment":"neutral","sentiment_score":0.1085321307182312},{"text":"Mhmm.","start":2321.63,"end":2322.13,"sentiment":"neutral","sentiment_score":-0.04713303968310356},{"text":"Mhmm.","start":2324.99,"end":2325.49,"sentiment":"neutral","sentiment_score":-0.014537539333105087}],"sentiment":"neutral","sentiment_score":0.07668944150209427,"num_words":5,"start":2306.685,"end":2325.49},{"sentences":[{"text":"Mhmm.","start":2330.445,"end":2330.945,"sentiment":"neutral","sentiment_score":-0.03998208791017532},{"text":"Yes.","start":2338.0452,"end":2338.5452,"sentiment":"neutral","sentiment_score":0.07582369446754456},{"text":"Mhmm.","start":2340.445,"end":2340.945,"sentiment":"neutral","sentiment_score":0.012559284456074238},{"text":"Yes.","start":2357.8352,"end":2358.3352,"sentiment":"neutral","sentiment_score":-0.004668567329645157},{"text":"Sorry.","start":2358.715,"end":2359.215,"sentiment":"neutral","sentiment_score":-0.1772768795490265}],"sentiment":"neutral","sentiment_score":-0.026708911173045635,"num_words":5,"start":2330.445,"end":2359.215},{"sentences":[{"text":"Yes.","start":2367.37,"end":2367.87,"sentiment":"neutral","sentiment_score":0.006436455994844437},{"text":"So I would say let me know.","start":2369.61,"end":2370.97,"sentiment":"neutral","sentiment_score":0.06686316537005561},{"text":"So with with the bonus, it does depend on your employer.","start":2370.97,"end":2373.6301,"sentiment":"neutral","sentiment_score":0.11667034504088489},{"text":"Most or most which is good if they can do it that way.","start":2373.69,"end":2377.15,"sentiment":"neutral","sentiment_score":0.22931547634876692},{"text":"Often, what happens so let's say if you get $10,000 in a bonus, that would be paid out to you in cash.","start":2377.29,"end":2385.605,"sentiment":"neutral","sentiment_score":0.09839758920398625}],"sentiment":"neutral","sentiment_score":0.12784630674178954,"num_words":54,"start":2367.37,"end":2385.605},{"sentences":[{"text":"But then on the bonus, you would still get your mandatory 12% contribution.","start":2386.065,"end":2391.4448,"sentiment":"neutral","sentiment_score":0.16401992394373968},{"text":"So you would get a little additional contribution based on the bonus.","start":2392.145,"end":2399.07,"sentiment":"neutral","sentiment_score":0.21029074862599373},{"text":"So if you get a very big bonus, get contributions on that.","start":2399.53,"end":2404.09,"sentiment":"positive","sentiment_score":0.41168197120229405},{"text":"That will boost your super even further, which is great.","start":2404.09,"end":2406.99,"sentiment":"positive","sentiment_score":0.6655257940292358},{"text":"But then I would also say if that is the case, just let me know because we do wanna make sure you don't exceed any tab spaces.","start":2408.09,"end":2419.855,"sentiment":"neutral","sentiment_score":0.12314101598329014}],"sentiment":"neutral","sentiment_score":0.2645405002844495,"num_words":74,"start":2386.065,"end":2419.855},{"sentences":[{"text":"So if mhmm.","start":2420.715,"end":2422.9749,"sentiment":"neutral","sentiment_score":0.032163147504131},{"text":"Mhmm.","start":2426.57,"end":2427.07,"sentiment":"neutral","sentiment_score":0.044356536120176315},{"text":"Yep.","start":2432.09,"end":2432.59,"sentiment":"neutral","sentiment_score":0.033042050898075104},{"text":"Mhmm.","start":2434.4102,"end":2434.9102,"sentiment":"neutral","sentiment_score":-0.08721402287483215},{"text":"Yep.","start":2437.155,"end":2437.655,"sentiment":"neutral","sentiment_score":-0.09546148777008057}],"sentiment":"neutral","sentiment_score":-0.0012553544448954718,"num_words":7,"start":2420.715,"end":2437.655},{"sentences":[{"text":"Yep.","start":2440.435,"end":2440.915,"sentiment":"neutral","sentiment_score":-0.006602257490158081},{"text":"Yep.","start":2440.915,"end":2441.415,"sentiment":"neutral","sentiment_score":-0.0013533271849155426},{"text":"Okay.","start":2442.435,"end":2442.935,"sentiment":"neutral","sentiment_score":0.07315091043710709},{"text":"Yes.","start":2446.0352,"end":2446.5352,"sentiment":"neutral","sentiment_score":0.1348670870065689},{"text":"Correct.","start":2456.45,"end":2456.95,"sentiment":"neutral","sentiment_score":0.12159129232168198}],"sentiment":"neutral","sentiment_score":0.06433074101805687,"num_words":5,"start":2440.435,"end":2456.95},{"sentences":[{"text":"Yes.","start":2457.0898,"end":2457.5898,"sentiment":"neutral","sentiment_score":0.13309773802757263},{"text":"And we can change it.","start":2457.65,"end":2458.93,"sentiment":"neutral","sentiment_score":0.13784401416778563},{"text":"So even and that's what often what most people do with a bonus because they don't have the option of your whole bonus going to your super.","start":2458.93,"end":2466.025,"sentiment":"neutral","sentiment_score":0.07802858617570665},{"text":"Now I would check with your when you do get if you do get a bonus, have a look in your hub 24 as well because you should then see an additional contribution being added.","start":2466.2449,"end":2482.3901,"sentiment":"neutral","sentiment_score":0.1264676053609167},{"text":"So you can check with your employer to be like, okay.","start":2482.69,"end":2485.17,"sentiment":"neutral","sentiment_score":0.02177808704701337}],"sentiment":"neutral","sentiment_score":0.09613942760455457,"num_words":79,"start":2457.0898,"end":2485.17},{"sentences":[{"text":"If I do get a bonus and I'd elect not to have it, obviously, all paid through super, does the 12% contribution still apply, which often is the case.","start":2485.17,"end":2495.595,"sentiment":"neutral","sentiment_score":0.004628784482865113},{"text":"So what what most people would do if they don't have the option of obviously adding the whole bonus is that, let's say, you get 15% on your income as a bonus, that would be pretax about 17,400.","start":2496.215,"end":2511.8098,"sentiment":"neutral","sentiment_score":0.058162732343924675},{"text":"Now you would still get 12% contribution on that, which means that your employer will automatically add 2,088.","start":2512.5898,"end":2521.145,"sentiment":"neutral","sentiment_score":0.09095348645415571},{"text":"So it will still be that.","start":2522.4849,"end":2524.4248,"sentiment":"neutral","sentiment_score":0.14821023618181547},{"text":"So even if we do salary sacrifice of a $100 a fortnight with your current income, you are still under the threshold, which is good.","start":2524.4849,"end":2534.55,"sentiment":"neutral","sentiment_score":0.11504570424556732}],"sentiment":"neutral","sentiment_score":0.06678435653859573,"num_words":116,"start":2485.17,"end":2534.55},{"sentences":[{"text":"And I would say that if you do before the end of this financial year, if that is so when do you normally have to make that decision?","start":2534.8499,"end":2546.39,"sentiment":"neutral","sentiment_score":0.11088825682444232},{"text":"Do you know?","start":2546.93,"end":2547.67,"sentiment":"neutral","sentiment_score":0.01259264163672924},{"text":"Okay.","start":2551.595,"end":2552.095,"sentiment":"neutral","sentiment_score":0.13831889629364014},{"text":"Okay.","start":2552.155,"end":2552.655,"sentiment":"neutral","sentiment_score":0.17594963312149048},{"text":"So even, like, next year, which we're pretty close to under review, but even which will be good.","start":2552.955,"end":2558.795,"sentiment":"neutral","sentiment_score":0.16025608405470848}],"sentiment":"neutral","sentiment_score":0.12434366977244031,"num_words":51,"start":2534.8499,"end":2558.795},{"sentences":[{"text":"But even next year, if you do get the option, just give me a call because then I can run the numbers if you go, okay.","start":2558.795,"end":2565.22,"sentiment":"neutral","sentiment_score":0.1931572610942217},{"text":"Can I if you are leaning towards electing having everything paid into super, then I can just run the numbers for you?","start":2565.52,"end":2572.02,"sentiment":"neutral","sentiment_score":0.17841877178712326},{"text":"And that's and that's when that kind of carry forward, I mentioned earlier, comes in handy where it's like, if you haven't done extra contributions yourself in previous years, we can utilize that to still make it very tax effective.","start":2573.28,"end":2586.7651,"sentiment":"positive","sentiment_score":0.3705985739827156},{"text":"Yeah.","start":2588.585,"end":2589.085,"sentiment":"positive","sentiment_score":0.38088202476501465},{"text":"But, yes, at any point in time, you can make voluntary contributions, and we can at the end of each financial year, if you have the cap space available, we can change it to pretax and give you a little bit of that notice of intent on the tax back.","start":2589.5452,"end":2604.98,"sentiment":"neutral","sentiment_score":0.23588956281542778}],"sentiment":"neutral","sentiment_score":0.2586086682921691,"num_words":139,"start":2558.795,"end":2604.98},{"sentences":[{"text":"So just let us know.","start":2605.415,"end":2606.615,"sentiment":"neutral","sentiment_score":0.1815707951784134},{"text":"Keep us up to date what's happening, but that is good.","start":2606.615,"end":2609.355,"sentiment":"neutral","sentiment_score":0.19029257852922787},{"text":"Yeah.","start":2609.7349,"end":2610.2349,"sentiment":"neutral","sentiment_score":0.11854246258735655},{"text":"Perfect.","start":2612.775,"end":2613.275,"sentiment":"positive","sentiment_score":0.41878682374954224},{"text":"Now do you have access to your emails at the moment?","start":2613.415,"end":2616.555,"sentiment":"neutral","sentiment_score":0.054152483459223404}],"sentiment":"neutral","sentiment_score":0.1425544463483424,"num_words":29,"start":2605.415,"end":2616.555},{"sentences":[{"text":"Yes.","start":2618.3901,"end":2618.7102,"sentiment":"neutral","sentiment_score":0.07605612277984619},{"text":"Okay.","start":2618.7102,"end":2619.2102,"sentiment":"neutral","sentiment_score":0.06024840474128723},{"text":"Sorry.","start":2619.35,"end":2619.85,"sentiment":"neutral","sentiment_score":-0.021774806082248688},{"text":"Not too much to go before I let you go in.","start":2620.7102,"end":2623.99,"sentiment":"neutral","sentiment_score":-0.005728086287325079},{"text":"Enjoy the rest of your afternoon.","start":2623.99,"end":2625.9102,"sentiment":"positive","sentiment_score":0.4559075782696406}],"sentiment":"neutral","sentiment_score":0.13934831209480764,"num_words":20,"start":2618.3901,"end":2625.9102},{"sentences":[{"text":"Do you have to work shift again today?","start":2625.9102,"end":2629.05,"sentiment":"neutral","sentiment_score":0.034917101729661226},{"text":"Yeah.","start":2629.685,"end":2630.185,"sentiment":"neutral","sentiment_score":0.1093880906701088},{"text":"Perfect.","start":2632.485,"end":2632.985,"sentiment":"positive","sentiment_score":0.4985232949256897},{"text":"Now if you could access your emails for me, I have sent you an email with a couple of documents to go through.","start":2633.525,"end":2640.025,"sentiment":"neutral","sentiment_score":0.16567670748285626},{"text":"We have just changed the soft software as well, so it might look a little bit different to what it did last time we spoke.","start":2643.1301,"end":2651.87,"sentiment":"neutral","sentiment_score":0.10324723035097122}],"sentiment":"neutral","sentiment_score":0.1254998832812597,"num_words":58,"start":2625.9102,"end":2651.87},{"sentences":[{"text":"It's kind of the same where you access a link, and that will show you all the documents before it prompts you to sign anything.","start":2652.33,"end":2660.435,"sentiment":"neutral","sentiment_score":0.16721826195716857},{"text":"Perfect.","start":2664.095,"end":2664.595,"sentiment":"positive","sentiment_score":0.6991482973098755},{"text":"Now to make it easy for you, I can go through them the way that you see them.","start":2665.695,"end":2669.375,"sentiment":"positive","sentiment_score":0.34073981559938854},{"text":"So what is your first attachment that you can see?","start":2669.375,"end":2672.25,"sentiment":"neutral","sentiment_score":0.01132434867322445},{"text":"Yep.","start":2680.41,"end":2680.91,"sentiment":"neutral","sentiment_score":-0.061396315693855286}],"sentiment":"neutral","sentiment_score":0.2011776126921177,"num_words":55,"start":2652.33,"end":2680.91},{"sentences":[{"text":"If you yeah.","start":2682.09,"end":2683.29,"sentiment":"neutral","sentiment_score":-0.005734438542276621},{"text":"You you just yes.","start":2683.29,"end":2687.885,"sentiment":"neutral","sentiment_score":0.016809728927910328},{"text":"So if yep.","start":2687.885,"end":2691.085,"sentiment":"neutral","sentiment_score":0.017182950861752033},{"text":"So if you click on that link, it you would just have to click on it first, but it will allow you correct.","start":2691.085,"end":2697.105,"sentiment":"neutral","sentiment_score":0.026102717743133722},{"text":"Yes.","start":2697.405,"end":2697.905,"sentiment":"neutral","sentiment_score":0.07029655575752258}],"sentiment":"neutral","sentiment_score":0.02271304460351958,"num_words":34,"start":2682.09,"end":2697.905},{"sentences":[{"text":"And you should see everything, and it's only at the end.","start":2698.89,"end":2702.1099,"sentiment":"neutral","sentiment_score":0.07548690096221188},{"text":"Yeah.","start":2702.17,"end":2702.41,"sentiment":"neutral","sentiment_score":0.06663994491100311},{"text":"Okay.","start":2702.41,"end":2702.8098,"sentiment":"neutral","sentiment_score":0.10552067309617996},{"text":"Perfect.","start":2702.8098,"end":2703.3098,"sentiment":"positive","sentiment_score":0.6190998554229736},{"text":"Yes.","start":2707.8499,"end":2708.25,"sentiment":"positive","sentiment_score":0.36149662733078}],"sentiment":"neutral","sentiment_score":0.1322075340896845,"num_words":15,"start":2698.89,"end":2708.25},{"sentences":[{"text":"Perfect.","start":2708.25,"end":2708.75,"sentiment":"positive","sentiment_score":0.5773841738700867},{"text":"So if you can have a look at that one, it shows you your current superannuation and insurance.","start":2708.89,"end":2714.5652,"sentiment":"neutral","sentiment_score":0.26352732876936596},{"text":"Now you obviously have majority of your super in hub 24, and you do have about 303,546.","start":2715.8252,"end":2724.645,"sentiment":"neutral","sentiment_score":0.1437963834580253},{"text":"And then you also have your public sector superannuation that defined benefits, and that's about 34,700 and 80 2.","start":2725.04,"end":2734.18,"sentiment":"neutral","sentiment_score":0.07894753850996494},{"text":"Yes.","start":2737.2,"end":2737.7,"sentiment":"neutral","sentiment_score":0.0446024015545845}],"sentiment":"neutral","sentiment_score":0.16625036149551825,"num_words":56,"start":2708.25,"end":2737.7},{"sentences":[{"text":"Yeah.","start":2740.575,"end":2740.975,"sentiment":"neutral","sentiment_score":0.11223985254764555},{"text":"And it it's also good because, obviously, the defined benefit, obviously, we don't wanna touch it or, usually, you can't touch it.","start":2740.975,"end":2745.375,"sentiment":"neutral","sentiment_score":0.12999000307172537},{"text":"So it is a sit step for when you retire.","start":2745.375,"end":2747.315,"sentiment":"neutral","sentiment_score":-0.04350455850362778},{"text":"But it's just a little bit of extra, so that's good.","start":2747.615,"end":2750.835,"sentiment":"neutral","sentiment_score":0.08689502965320241},{"text":"Now I did have one question for you, and I'll ask Peter the same for your HUB24.","start":2752.1099,"end":2757.5698,"sentiment":"neutral","sentiment_score":0.05933556990588412}],"sentiment":"neutral","sentiment_score":0.07379548114220627,"num_words":61,"start":2740.575,"end":2757.5698},{"sentences":[{"text":"So with HUB24, they have a feature which is called family linking.","start":2758.1099,"end":2766.5298,"sentiment":"neutral","sentiment_score":0.1008186216155688},{"text":"Basically, what it is is that if you have a family, you can link your accounts together.","start":2767.755,"end":2775.615,"sentiment":"neutral","sentiment_score":0.12349637685453191},{"text":"You're not crossing or sharing super or anything like that.","start":2776.875,"end":2779.6748,"sentiment":"neutral","sentiment_score":0.0657610535621643},{"text":"It is just from administration platform.","start":2779.6748,"end":2781.61,"sentiment":"neutral","sentiment_score":0.09614142899711926},{"text":"You can have the two accounts linked.","start":2781.61,"end":2783.79,"sentiment":"neutral","sentiment_score":0.12562517928225653}],"sentiment":"neutral","sentiment_score":0.10429033135565427,"num_words":52,"start":2758.1099,"end":2783.79},{"sentences":[{"text":"So what that would mean is that Hub twenty four assesses your combined superannuation balance when they are calculating discount on administration fee.","start":2784.25,"end":2796.285,"sentiment":"neutral","sentiment_score":0.10987216412373212},{"text":"So it does make it a little bit cheaper.","start":2796.6648,"end":2799.005,"sentiment":"positive","sentiment_score":0.5586450497309366},{"text":"So instead of it being just on your super balance and it's on his super balance, having them linked together, it's just a way for them to giving a bit of a discount to tryna promote as well having, you know, multiple accounts together for a family.","start":2799.065,"end":2816.0,"sentiment":"neutral","sentiment_score":0.3234066988559479},{"text":"So the benefit is by doing it, you get a bit of a discount on administration fees, which is great.","start":2817.585,"end":2824.325,"sentiment":"positive","sentiment_score":0.6355345785617829},{"text":"Another thing is that we can have it so you guys can view each other's accounts if that is something that you want.","start":2825.345,"end":2832.27,"sentiment":"neutral","sentiment_score":0.2954254850097325}],"sentiment":"positive","sentiment_score":0.3463971950419125,"num_words":122,"start":2784.25,"end":2832.27},{"sentences":[{"text":"So, like, you would log in to your app, and you would see your account, but you could also check his.","start":2832.75,"end":2838.43,"sentiment":"neutral","sentiment_score":0.17219387207712447},{"text":"You can't change anything on his account holder, but you can view it.","start":2838.43,"end":2843.07,"sentiment":"neutral","sentiment_score":0.12560902134730265},{"text":"So if it is that you guys, you know, obviously share finances and plan retirement together, you can look at each other's information.","start":2843.07,"end":2852.095,"sentiment":"neutral","sentiment_score":0.16819914268410724},{"text":"You can't change it.","start":2852.7952,"end":2854.335,"sentiment":"neutral","sentiment_score":0.02389125432819128},{"text":"Is that something you guys want to add, or do you kinda prefer to have it a bit more separate?","start":2855.115,"end":2860.975,"sentiment":"neutral","sentiment_score":-0.0020232046488672497}],"sentiment":"neutral","sentiment_score":0.11324283700252388,"num_words":81,"start":2832.75,"end":2860.975},{"sentences":[{"text":"Yep.","start":2864.96,"end":2865.46,"sentiment":"neutral","sentiment_score":0.03941825777292251},{"text":"Perfect.","start":2865.52,"end":2866.02,"sentiment":"positive","sentiment_score":0.3520301580429077},{"text":"Yep.","start":2867.6,"end":2868.0,"sentiment":"neutral","sentiment_score":0.06808935850858688},{"text":"I'll just I'll just leave it, and we'll we'll just keep it like that.","start":2868.0,"end":2874.015,"sentiment":"neutral","sentiment_score":0.04868108805801187},{"text":"Yeah.","start":2875.9348,"end":2876.4348,"sentiment":"neutral","sentiment_score":0.07968106865882874}],"sentiment":"neutral","sentiment_score":0.06781967087752289,"num_words":18,"start":2864.96,"end":2876.4348},{"sentences":[{"text":"Yeah.","start":2876.8948,"end":2877.2148,"sentiment":"neutral","sentiment_score":0.1342533677816391},{"text":"Perfect.","start":2877.2148,"end":2877.7148,"sentiment":"positive","sentiment_score":0.339122474193573},{"text":"That is not a problem.","start":2878.6548,"end":2879.535,"sentiment":"neutral","sentiment_score":0.27414525151252744},{"text":"Yeah.","start":2879.535,"end":2879.6948,"sentiment":"neutral","sentiment_score":0.10631579905748367},{"text":"Is that in any point you're trying to send me an email, say, hey.","start":2879.6948,"end":2881.775,"sentiment":"neutral","sentiment_score":0.07325246770467077}],"sentiment":"neutral","sentiment_score":0.13527056574821472,"num_words":22,"start":2876.8948,"end":2881.775},{"sentences":[{"text":"We would like to do the family linking.","start":2881.775,"end":2883.635,"sentiment":"neutral","sentiment_score":0.0810634596273303},{"text":"Just let me know.","start":2884.255,"end":2885.135,"sentiment":"neutral","sentiment_score":0.03967550303786993},{"text":"But, otherwise, I'll just leave it for now.","start":2885.135,"end":2886.93,"sentiment":"neutral","sentiment_score":0.023452508496120572},{"text":"Yep.","start":2888.05,"end":2888.55,"sentiment":"neutral","sentiment_score":0.07477562874555588},{"text":"Yeah.","start":2889.01,"end":2889.51,"sentiment":"neutral","sentiment_score":0.05885586515069008}],"sentiment":"neutral","sentiment_score":0.05129369322887876,"num_words":22,"start":2881.775,"end":2889.51},{"sentences":[{"text":"Otherwise, with your insurances.","start":2890.05,"end":2891.43,"sentiment":"neutral","sentiment_score":0.02963327756151557},{"text":"So you have some insurance with MetLife.","start":2891.5698,"end":2893.67,"sentiment":"neutral","sentiment_score":0.0450119644935642},{"text":"Now you have a life and total permanent disability insurance, and that is 525,000 if something were to happen.","start":2894.3699,"end":2904.905,"sentiment":"neutral","sentiment_score":0.06265014370805339},{"text":"Now are you still happy with that level of cover for life and TPD, or has anything changed?","start":2905.605,"end":2912.965,"sentiment":"neutral","sentiment_score":0.05533761686335007},{"text":"Yep.","start":2912.965,"end":2913.465,"sentiment":"neutral","sentiment_score":0.08353562653064728}],"sentiment":"neutral","sentiment_score":0.05517514943316275,"num_words":49,"start":2890.05,"end":2913.465},{"sentences":[{"text":"Perfect.","start":2913.605,"end":2914.105,"sentiment":"neutral","sentiment_score":0.24296191334724423},{"text":"Yep.","start":2916.23,"end":2916.55,"sentiment":"neutral","sentiment_score":0.009325402788817884},{"text":"It would still obviously pay out the remaining mortgage of your credit card and stuff like that, still leave extra if something were to happen.","start":2916.55,"end":2925.21,"sentiment":"neutral","sentiment_score":0.018508884049952032},{"text":"Now with your income protection, though, because your income has gone up quite a bit, which is great, it will mean that you are a little bit underinsured for income protection.","start":2926.07,"end":2937.945,"sentiment":"neutral","sentiment_score":0.2308569043394058},{"text":"Doesn't mean you have to change it if that is still sufficient to cover your bills and expenses.","start":2939.2898,"end":2947.15,"sentiment":"neutral","sentiment_score":0.024418287807040744}],"sentiment":"neutral","sentiment_score":0.10935661358464706,"num_words":76,"start":2913.605,"end":2947.15},{"sentences":[{"text":"So, basically mhmm.","start":2947.69,"end":2950.0298,"sentiment":"neutral","sentiment_score":0.02786479393641154},{"text":"Yeah.","start":2961.385,"end":2961.785,"sentiment":"neutral","sentiment_score":0.002011735923588276},{"text":"So it is also taxed income protection.","start":2961.785,"end":2965.25,"sentiment":"neutral","sentiment_score":-0.030636805774910108},{"text":"That will be the the 4.","start":2971.55,"end":2973.49,"sentiment":"neutral","sentiment_score":-0.0049953941100587445},{"text":"So it is taxed at your marginal tax rate when it comes out as well.","start":2973.55,"end":2977.55,"sentiment":"neutral","sentiment_score":-0.0357723460222284}],"sentiment":"neutral","sentiment_score":-0.021731533677666448,"num_words":32,"start":2947.69,"end":2977.55},{"sentences":[{"text":"So, obviously, it will be a little bit less.","start":2977.55,"end":2979.49,"sentiment":"neutral","sentiment_score":-0.12303465687566334},{"text":"Yeah.","start":2985.2048,"end":2985.7048,"sentiment":"neutral","sentiment_score":0.03758339211344719},{"text":"Yeah.","start":2987.4448,"end":2987.9448,"sentiment":"neutral","sentiment_score":-0.00015436578541994095},{"text":"Yeah.","start":2991.045,"end":2991.545,"sentiment":"neutral","sentiment_score":0.049335263669490814},{"text":"Yes.","start":2996.89,"end":2997.21,"sentiment":"neutral","sentiment_score":0.09079088270664216}],"sentiment":"neutral","sentiment_score":-0.07151974916744691,"num_words":13,"start":2977.55,"end":2997.21},{"sentences":[{"text":"Yep.","start":2997.21,"end":2997.71,"sentiment":"neutral","sentiment_score":0.08397560566663742},{"text":"Yep.","start":2999.6099,"end":3000.1099,"sentiment":"neutral","sentiment_score":0.05570214241743088},{"text":"Perfect.","start":3000.73,"end":3001.23,"sentiment":"neutral","sentiment_score":0.31093454360961914},{"text":"Yep.","start":3002.49,"end":3002.99,"sentiment":"neutral","sentiment_score":0.04351269453763962},{"text":"Yep.","start":3003.3699,"end":3003.8699,"sentiment":"neutral","sentiment_score":0.03709367662668228}],"sentiment":"neutral","sentiment_score":0.10624373257160187,"num_words":5,"start":2997.21,"end":3003.8699},{"sentences":[{"text":"And if anything's fine, Yes.","start":3004.17,"end":3007.325,"sentiment":"neutral","sentiment_score":-0.0003115249797701836},{"text":"You yes.","start":3007.865,"end":3008.505,"sentiment":"neutral","sentiment_score":0.02658594585955143},{"text":"Exactly.","start":3008.505,"end":3009.005,"sentiment":"neutral","sentiment_score":-0.014766212552785872},{"text":"Because the the other thing would be, obviously, if you wanna increase it, it will mean that, obviously, it's gonna get more expensive, which then obviously means the premiums are more super.","start":3009.145,"end":3018.025,"sentiment":"neutral","sentiment_score":-0.21839302266016603},{"text":"So if it is obviously still covering the bare minimum at least, and that is only in competition, it's only temporarily as well.","start":3018.025,"end":3027.3298,"sentiment":"neutral","sentiment_score":-0.07392658908729968}],"sentiment":"neutral","sentiment_score":-0.13733397174390063,"num_words":63,"start":3004.17,"end":3027.3298},{"sentences":[{"text":"So it only do it temporarily unable to work.","start":3027.3298,"end":3029.91,"sentiment":"neutral","sentiment_score":-0.08514158055186272},{"text":"You do have that thirty day waiting period.","start":3030.8499,"end":3032.69,"sentiment":"neutral","sentiment_score":0.20622900500893593},{"text":"So the shortest one.","start":3032.69,"end":3033.555,"sentiment":"neutral","sentiment_score":0.16659921035170555},{"text":"You just have to wait that thirty days before you can start claiming on it, and it does run for two years.","start":3033.555,"end":3039.335,"sentiment":"neutral","sentiment_score":0.17230103639039127},{"text":"All three paid inside super for inside hub 24, so you don't pay for it out of pocket.","start":3040.435,"end":3045.87,"sentiment":"neutral","sentiment_score":0.2160093312462171}],"sentiment":"neutral","sentiment_score":0.15129090851691904,"num_words":61,"start":3027.3298,"end":3045.87},{"sentences":[{"text":"And the premium is 2,933 after that tax rebate that you get.","start":3046.11,"end":3052.4502,"sentiment":"neutral","sentiment_score":0.16619766627748808},{"text":"Yep.","start":3053.79,"end":3054.27,"sentiment":"positive","sentiment_score":0.5038632154464722},{"text":"Perfect.","start":3054.27,"end":3054.77,"sentiment":"positive","sentiment_score":0.7624417543411255},{"text":"Now what is the next attachment there for you?","start":3055.4702,"end":3058.6902,"sentiment":"neutral","sentiment_score":0.10374011223514874},{"text":"Yes.","start":3062.855,"end":3063.355,"sentiment":"neutral","sentiment_score":0.11410057544708252}],"sentiment":"neutral","sentiment_score":0.1795182729450365,"num_words":24,"start":3046.11,"end":3063.355},{"sentences":[{"text":"So this one here gives you a bit of a twelve month snapshot of your portfolio.","start":3063.655,"end":3069.355,"sentiment":"neutral","sentiment_score":0.14492635801434517},{"text":"Now the good thing is that you have obviously seen a bit of ups and downs of the market fluctuation and understand that things do fluctuate.","start":3069.8152,"end":3076.95,"sentiment":"neutral","sentiment_score":0.15907295707326669},{"text":"But in saying that, though, in the last twelve months, after all fees have come out of your account and despite the fluctuations we have had in the market, your portfolio has still gone up.","start":3078.69,"end":3091.875,"sentiment":"neutral","sentiment_score":0.17535844466515949},{"text":"So the return on your investment is still up by 8.88% after fees, which we're actually quite happy with given the market.","start":3091.875,"end":3101.8948,"sentiment":"positive","sentiment_score":0.36133470792662015},{"text":"And what that looks like in terms of a dollar value, and that is just the earnings on your investments and not contributions, it represents about 28,574.","start":3102.835,"end":3115.63,"sentiment":"neutral","sentiment_score":0.16327745964129767}],"sentiment":"neutral","sentiment_score":0.19801681873107713,"num_words":126,"start":3063.655,"end":3115.63},{"sentences":[{"text":"So, yeah, so part of, obviously, the research I will do for you is I do wanna review one of those investments in a little bit more detail, and that is the Benelong Australian Equity.","start":3116.73,"end":3129.595,"sentiment":"neutral","sentiment_score":0.06290792833481516},{"text":"It has underperformed a little bit recently.","start":3130.055,"end":3133.06,"sentiment":"neutral","sentiment_score":0.013833581336906977},{"text":"So I just wanna kind of reassess that one a little bit more for you to see if we should change it.","start":3133.52,"end":3140.34,"sentiment":"neutral","sentiment_score":-0.022086015563796867},{"text":"But I'll do the research, put together that proposal, and run that through with you along with the salary sacrifice, and then we can take it from there.","start":3140.72,"end":3149.425,"sentiment":"neutral","sentiment_score":0.05239635180415852},{"text":"But overall, things are going good.","start":3150.125,"end":3152.065,"sentiment":"neutral","sentiment_score":0.3194212435434262}],"sentiment":"neutral","sentiment_score":0.053023933984187185,"num_words":98,"start":3116.73,"end":3152.065},{"sentences":[{"text":"Now next one, is that your MetLife certificate of currency?","start":3152.605,"end":3157.425,"sentiment":"neutral","sentiment_score":0.058731944859027864},{"text":"Yep.","start":3159.66,"end":3160.16,"sentiment":"neutral","sentiment_score":0.014364848844707012},{"text":"Oh, yep.","start":3168.2998,"end":3169.02,"sentiment":"neutral","sentiment_score":0.034439343959093094},{"text":"That's fine.","start":3169.02,"end":3169.92,"sentiment":"neutral","sentiment_score":0.06030070781707764},{"text":"Sorry.","start":3169.98,"end":3170.46,"sentiment":"neutral","sentiment_score":-0.019177991896867752}],"sentiment":"neutral","sentiment_score":0.04824915056815371,"num_words":16,"start":3152.605,"end":3170.46},{"sentences":[{"text":"That one here.","start":3170.46,"end":3171.44,"sentiment":"neutral","sentiment_score":-0.013967824168503284},{"text":"Yeah.","start":3171.995,"end":3172.235,"sentiment":"neutral","sentiment_score":0.11265923082828522},{"text":"Okay.","start":3172.235,"end":3172.635,"sentiment":"neutral","sentiment_score":0.23595955967903137},{"text":"Perfect.","start":3172.635,"end":3172.955,"sentiment":"positive","sentiment_score":0.5905470848083496},{"text":"You probably have the next one after.","start":3172.955,"end":3174.735,"sentiment":"neutral","sentiment_score":0.2835668367998941}],"sentiment":"neutral","sentiment_score":0.22171002003149345,"num_words":13,"start":3170.46,"end":3174.735},{"sentences":[{"text":"Vanguard, you probably have seen this last year, but it is just a good visual representation again of what we're talking with the market.","start":3175.835,"end":3184.155,"sentiment":"neutral","sentiment_score":0.2884897533804178},{"text":"And you can see here those kind of ups and downs we were talking about and how the time frame kind of comes into play with that as well.","start":3184.155,"end":3191.43,"sentiment":"neutral","sentiment_score":0.045523345406199324},{"text":"Yep.","start":3191.89,"end":3192.39,"sentiment":"neutral","sentiment_score":0.14318175613880155},{"text":"Perfect.","start":3193.17,"end":3193.67,"sentiment":"positive","sentiment_score":0.3801645040512085},{"text":"Next one.","start":3194.6099,"end":3195.43,"sentiment":"neutral","sentiment_score":0.11479173600673676}],"sentiment":"neutral","sentiment_score":0.1578396636861981,"num_words":57,"start":3175.835,"end":3195.43},{"sentences":[{"text":"Yep.","start":3196.0498,"end":3196.5498,"sentiment":"neutral","sentiment_score":0.15661285817623138},{"text":"Perfect.","start":3196.69,"end":3197.19,"sentiment":"positive","sentiment_score":0.445150762796402},{"text":"Now this one here, it breaks down your insurances in a little bit more detail, but lets you know that's all paid and up to date.","start":3197.5698,"end":3203.505,"sentiment":"neutral","sentiment_score":0.23229534121660086},{"text":"Yep.","start":3205.1848,"end":3205.6848,"sentiment":"neutral","sentiment_score":0.08218955248594284},{"text":"And your next one.","start":3206.545,"end":3208.1648,"sentiment":"neutral","sentiment_score":0.0595178697258234}],"sentiment":"neutral","sentiment_score":0.21096071284828763,"num_words":33,"start":3196.0498,"end":3208.1648},{"sentences":[{"text":"Yep.","start":3214.305,"end":3214.805,"sentiment":"neutral","sentiment_score":0.06383901834487915},{"text":"So this one here, again, you probably have seen a couple of times, but it is just an updated version.","start":3215.105,"end":3221.47,"sentiment":"neutral","sentiment_score":0.10542786922305822},{"text":"It is one of those compliance documents, but it does give you all the important information in regards to us here at Oakview.","start":3221.47,"end":3228.45,"sentiment":"neutral","sentiment_score":0.24869194885958795},{"text":"Now you have access to have a look through this in your own time later as well.","start":3229.15,"end":3234.2551,"sentiment":"neutral","sentiment_score":0.2290979877990835},{"text":"But, basically, none of the important information has changed since last time.","start":3234.715,"end":3238.895,"sentiment":"neutral","sentiment_score":0.021757961250841618}],"sentiment":"neutral","sentiment_score":0.16504208978316556,"num_words":73,"start":3214.305,"end":3238.895},{"sentences":[{"text":"We have had a bit of an extension to the team, which is good, and also done a little bit more updated marketing.","start":3239.595,"end":3246.655,"sentiment":"neutral","sentiment_score":0.32455235914043756},{"text":"So if you do want to scroll down to page 10, you should see a photo of myself.","start":3247.2751,"end":3257.51,"sentiment":"neutral","sentiment_score":0.14918569930725628},{"text":"If you do wanna put a put a face to the voice again, which is, yeah, which is often nice as we're doing things over the phone so you actually can see who you're talking to.","start":3257.65,"end":3266.425,"sentiment":"neutral","sentiment_score":0.2477327903939618},{"text":"Yeah.","start":3267.925,"end":3268.425,"sentiment":"neutral","sentiment_score":0.04533514007925987},{"text":"No.","start":3268.9648,"end":3269.2048,"sentiment":"neutral","sentiment_score":-0.02979443594813347}],"sentiment":"neutral","sentiment_score":0.24156921526676492,"num_words":79,"start":3239.595,"end":3269.2048},{"sentences":[{"text":"That's alright.","start":3269.2048,"end":3270.105,"sentiment":"neutral","sentiment_score":0.01926172897219658},{"text":"Now next one for me, is that your ongoing service agreement?","start":3270.4849,"end":3275.385,"sentiment":"neutral","sentiment_score":0.029686242849989372},{"text":"Does it have Hub twenty four consent to new ongoing fee arrangement?","start":3275.55,"end":3280.05,"sentiment":"neutral","sentiment_score":0.03093492255235712},{"text":"Yep.","start":3280.27,"end":3280.6702,"sentiment":"neutral","sentiment_score":0.03614460676908493},{"text":"Perfect.","start":3280.6702,"end":3281.1702,"sentiment":"neutral","sentiment_score":0.1360647976398468}],"sentiment":"neutral","sentiment_score":0.03364817053079605,"num_words":27,"start":3269.2048,"end":3281.1702},{"sentences":[{"text":"Okay.","start":3284.03,"end":3284.53,"sentiment":"neutral","sentiment_score":0.04494420439004898},{"text":"Yep.","start":3284.59,"end":3285.09,"sentiment":"neutral","sentiment_score":0.03953404352068901},{"text":"So yes.","start":3285.23,"end":3287.985,"sentiment":"neutral","sentiment_score":0.031999651342630386},{"text":"So this one here, it is just yeah.","start":3288.0652,"end":3290.385,"sentiment":"neutral","sentiment_score":0.050039079040288925},{"text":"Just focus when we set up your super and everything, we do need the tax phone number.","start":3290.385,"end":3294.165,"sentiment":"neutral","sentiment_score":0.11128091932657887}],"sentiment":"neutral","sentiment_score":0.0841574417748328,"num_words":29,"start":3284.03,"end":3294.165},{"sentences":[{"text":"This one here is just a compliance form to say that we are keeping your tax phone number secure and safe on file.","start":3294.705,"end":3300.8052,"sentiment":"neutral","sentiment_score":0.24758605367463568},{"text":"Yep.","start":3301.89,"end":3302.39,"sentiment":"neutral","sentiment_score":0.16921696066856384},{"text":"So if you Yes, please.","start":3302.45,"end":3306.23,"sentiment":"neutral","sentiment_score":0.08071395680308342},{"text":"Let me know.","start":3309.97,"end":3311.19,"sentiment":"neutral","sentiment_score":-0.10883423686027527},{"text":"Okay.","start":3315.2651,"end":3315.585,"sentiment":"neutral","sentiment_score":0.1092345342040062}],"sentiment":"neutral","sentiment_score":0.18333326675223582,"num_words":33,"start":3294.705,"end":3315.585},{"sentences":[{"text":"Yeah.","start":3315.585,"end":3315.905,"sentiment":"neutral","sentiment_score":0.13996541500091553},{"text":"If you can do for me, there should be two to sign.","start":3315.905,"end":3318.0652,"sentiment":"neutral","sentiment_score":0.18557608500123024},{"text":"If not, I'll follow-up with the team after.","start":3318.0652,"end":3319.425,"sentiment":"neutral","sentiment_score":0.058415680192410946},{"text":"But if you could add the signature and date on this one, if you're happy with that.","start":3319.425,"end":3322.965,"sentiment":"neutral","sentiment_score":0.2411629548844169},{"text":"Yes.","start":3326.16,"end":3326.48,"sentiment":"neutral","sentiment_score":0.11074861884117126}],"sentiment":"neutral","sentiment_score":0.18063391611362115,"num_words":39,"start":3315.585,"end":3326.48},{"sentences":[{"text":"Yes, please.","start":3326.48,"end":3327.38,"sentiment":"neutral","sentiment_score":0.17155830562114716},{"text":"Yep.","start":3327.76,"end":3328.26,"sentiment":"neutral","sentiment_score":0.14654141664505005},{"text":"Yep.","start":3335.04,"end":3335.54,"sentiment":"neutral","sentiment_score":0.1407673805952072},{"text":"Yep.","start":3335.92,"end":3336.42,"sentiment":"neutral","sentiment_score":0.11043569445610046},{"text":"Does it say next?","start":3346.495,"end":3347.7952,"sentiment":"neutral","sentiment_score":0.0165273598395288}],"sentiment":"neutral","sentiment_score":0.08966339358852969,"num_words":9,"start":3326.48,"end":3347.7952},{"sentences":[{"text":"Yep.","start":3349.47,"end":3349.97,"sentiment":"neutral","sentiment_score":0.07054007053375244},{"text":"And where does the next take you to?","start":3356.51,"end":3358.77,"sentiment":"neutral","sentiment_score":0.025189046747982502},{"text":"For the tax file number?","start":3377.26,"end":3378.96,"sentiment":"neutral","sentiment_score":0.02410181239247322},{"text":"I can oh, that's you can just put just leave it blank or do, like, a full stop because you shouldn't have to put the tax number in there.","start":3381.1,"end":3393.015,"sentiment":"neutral","sentiment_score":0.08885095512558674},{"text":"Yeah.","start":3394.195,"end":3394.695,"sentiment":"neutral","sentiment_score":0.014363119378685951}],"sentiment":"neutral","sentiment_score":0.06780914373865182,"num_words":44,"start":3349.47,"end":3394.695},{"sentences":[{"text":"Okay.","start":3398.195,"end":3398.515,"sentiment":"neutral","sentiment_score":-0.039469797164201736},{"text":"That's fine.","start":3398.515,"end":3399.24,"sentiment":"neutral","sentiment_score":0.08873878791928291},{"text":"Mhmm.","start":3404.84,"end":3405.34,"sentiment":"neutral","sentiment_score":0.01697470247745514},{"text":"That's okay.","start":3415.8948,"end":3416.6948,"sentiment":"neutral","sentiment_score":0.2374766692519188},{"text":"Because normally, it should just take you straight just to add in the little signetel.","start":3416.6948,"end":3420.315,"sentiment":"neutral","sentiment_score":0.23911897738774618}],"sentiment":"neutral","sentiment_score":0.20079621335580236,"num_words":21,"start":3398.195,"end":3420.315},{"sentences":[{"text":"Like, you do you don't have to do like, fill in any tax on number or anything.","start":3420.375,"end":3425.115,"sentiment":"neutral","sentiment_score":0.11569700258619645},{"text":"Mhmm.","start":3430.95,"end":3431.45,"sentiment":"neutral","sentiment_score":-0.03761788085103035},{"text":"Where does the if if it if it stops you in the other boxes, you can just do a full stop.","start":3440.165,"end":3445.145,"sentiment":"neutral","sentiment_score":-0.0011779507178635823},{"text":"Because if it's like a sometimes there's like a bug you have to put something, you can just do, like, a full stop or, like, a blank space because that sometimes will then let you mhmm.","start":3445.5251,"end":3456.5798,"sentiment":"neutral","sentiment_score":-0.028808108530938625},{"text":"Yep.","start":3457.44,"end":3457.94,"sentiment":"neutral","sentiment_score":0.03362102061510086}],"sentiment":"neutral","sentiment_score":0.011855569888690584,"num_words":76,"start":3420.375,"end":3457.94},{"sentences":[{"text":"Does that let you go further?","start":3462.4,"end":3463.8599,"sentiment":"neutral","sentiment_score":0.02300572209060192},{"text":"Yeah.","start":3464.7998,"end":3465.2998,"sentiment":"neutral","sentiment_score":0.020027168095111847},{"text":"Oh, perfect.","start":3466.035,"end":3466.775,"sentiment":"positive","sentiment_score":0.4131191074848175},{"text":"I'm talking to you.","start":3467.635,"end":3468.935,"sentiment":"neutral","sentiment_score":0.29751718044281006},{"text":"It's great when it works, but it is.","start":3469.075,"end":3471.095,"sentiment":"positive","sentiment_score":0.45359696447849274}],"sentiment":"neutral","sentiment_score":0.27634019777178764,"num_words":21,"start":3462.4,"end":3471.095},{"sentences":[{"text":"Do you have one more document saying consent to a new perfect.","start":3474.355,"end":3478.135,"sentiment":"neutral","sentiment_score":0.0790326267791291},{"text":"Yes.","start":3484.9102,"end":3485.31,"sentiment":"neutral","sentiment_score":0.10213397443294524},{"text":"Yes.","start":3485.31,"end":3485.6301,"sentiment":"neutral","sentiment_score":0.10125674307346344},{"text":"Correct.","start":3485.6301,"end":3486.03,"sentiment":"neutral","sentiment_score":0.0939282327890396},{"text":"Yes.","start":3486.03,"end":3486.53,"sentiment":"neutral","sentiment_score":0.05648096278309822}],"sentiment":"neutral","sentiment_score":0.08138696465175599,"num_words":16,"start":3474.355,"end":3486.53},{"sentences":[{"text":"Yes.","start":3487.47,"end":3487.97,"sentiment":"neutral","sentiment_score":0.10095593333244324},{"text":"Yep.","start":3488.03,"end":3488.53,"sentiment":"neutral","sentiment_score":0.06449505686759949},{"text":"Yep.","start":3488.9102,"end":3489.4102,"sentiment":"neutral","sentiment_score":0.06404738873243332},{"text":"Yep.","start":3489.79,"end":3490.29,"sentiment":"neutral","sentiment_score":0.07423735409975052},{"text":"And while you're signing this one, I'll just explain what it is.","start":3491.9849,"end":3494.7249,"sentiment":"neutral","sentiment_score":0.10387704148888588}],"sentiment":"neutral","sentiment_score":0.09689126443117857,"num_words":16,"start":3487.47,"end":3494.7249},{"sentences":[{"text":"It is just your ongoing service agreement.","start":3495.345,"end":3497.525,"sentiment":"neutral","sentiment_score":0.17056938792978013},{"text":"So just to say, obviously, you're happy to stay on as a client.","start":3498.2249,"end":3501.525,"sentiment":"positive","sentiment_score":0.5015465983977685},{"text":"Now there is no changes to the fee structure.","start":3501.9048,"end":3504.565,"sentiment":"neutral","sentiment_score":0.07845837498704593},{"text":"So because, obviously, both you and Peter is clients, you guys have that reduced ongoing advice fee, which is great, not increasing or anything.","start":3504.71,"end":3513.3499,"sentiment":"positive","sentiment_score":0.3745964349557956},{"text":"It stays exactly the same at 1.1 from super, and it is not a lock in contract.","start":3513.3499,"end":3519.125,"sentiment":"neutral","sentiment_score":0.17780871820800445}],"sentiment":"neutral","sentiment_score":0.29190399311482906,"num_words":70,"start":3495.345,"end":3519.125},{"sentences":[{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":3519.125,"end":3523.865,"sentiment":"neutral","sentiment_score":0.013628401276138093},{"text":"So this just lets us service your account and investments and insurance and everything for you in the meantime.","start":3524.165,"end":3529.545,"sentiment":"positive","sentiment_score":0.3856863442220186},{"text":"Yep.","start":3531.35,"end":3531.85,"sentiment":"neutral","sentiment_score":0.22743062674999237},{"text":"Yes, please.","start":3534.3901,"end":3535.29,"sentiment":"neutral","sentiment_score":0.19491001963615417},{"text":"And then it should load, and it will then send it back to me.","start":3536.6301,"end":3542.895,"sentiment":"neutral","sentiment_score":0.2279511823851083}],"sentiment":"neutral","sentiment_score":0.21077627745560473,"num_words":54,"start":3519.125,"end":3542.895},{"sentences":[{"text":"And it will also allow you to if you would like later to go back and have a have a read through them, you can download them as well if you do.","start":3542.975,"end":3549.715,"sentiment":"neutral","sentiment_score":0.29178817151114345},{"text":"And if you can't, for any reason, access them, I always have a copy on the file.","start":3552.2551,"end":3557.075,"sentiment":"neutral","sentiment_score":0.1345611641950467},{"text":"Now while that is loading, this is say this is say, oh, yep.","start":3558.63,"end":3563.67,"sentiment":"neutral","sentiment_score":0.18475936582455268},{"text":"Perfect.","start":3563.67,"end":3564.17,"sentiment":"positive","sentiment_score":0.7189528942108154},{"text":"It's already come through, which is great.","start":3564.47,"end":3566.25,"sentiment":"positive","sentiment_score":0.7598253999437604}],"sentiment":"neutral","sentiment_score":0.2866337675601244,"num_words":70,"start":3542.975,"end":3566.25},{"sentences":[{"text":"Sometimes it takes a little minute, so that is good.","start":3566.3098,"end":3569.0498,"sentiment":"positive","sentiment_score":0.41702849566936495},{"text":"Now while I do have you on the phone, I'll book in a catch up to just go through that salary sacrifice and review of your investments a little bit.","start":3570.23,"end":3578.3152,"sentiment":"neutral","sentiment_score":0.12172699434061846},{"text":"When is typically a best time for you to do that?","start":3579.735,"end":3583.435,"sentiment":"neutral","sentiment_score":0.0634083974767815},{"text":"I usually need about a week to put it together, so I could do Wednesday, Thursday next week.","start":3587.35,"end":3595.45,"sentiment":"neutral","sentiment_score":0.04137094567219416},{"text":"Mhmm.","start":3606.805,"end":3607.2048,"sentiment":"neutral","sentiment_score":0.007806763052940369}],"sentiment":"neutral","sentiment_score":0.13245815634727479,"num_words":70,"start":3566.3098,"end":3607.2048},{"sentences":[{"text":"Would you be too tired to do it after that?","start":3607.2048,"end":3611.0,"sentiment":"neutral","sentiment_score":-0.023622788768261672},{"text":"Okay.","start":3613.3,"end":3613.8,"sentiment":"neutral","sentiment_score":0.07912833243608475},{"text":"Because because I could so on Thursdays, I do work a little bit later.","start":3615.06,"end":3618.76,"sentiment":"neutral","sentiment_score":0.09158379690987724},{"text":"So so you don't have to rush, I could do let me see here.","start":3619.06,"end":3624.135,"sentiment":"neutral","sentiment_score":0.08229277123297964},{"text":"We're just a half an hour difference.","start":3624.135,"end":3626.075,"sentiment":"neutral","sentiment_score":0.06226615980267525}],"sentiment":"neutral","sentiment_score":0.05897903298635198,"num_words":46,"start":3607.2048,"end":3626.075},{"sentences":[{"text":"So I could do five let me see here.","start":3626.135,"end":3632.235,"sentiment":"neutral","sentiment_score":0.05754899150795407},{"text":"I could do what time did you say you'd be home?","start":3635.19,"end":3640.57,"sentiment":"neutral","sentiment_score":0.03677628968249668},{"text":"04:00.","start":3642.79,"end":3643.43,"sentiment":"neutral","sentiment_score":0.018734578043222427},{"text":"So would about 04:30 be okay?","start":3643.43,"end":3645.67,"sentiment":"neutral","sentiment_score":0.030227219065030415},{"text":"That allows you bit of flexibility if you're running a bit late or if you need to eat something or something before.","start":3645.67,"end":3652.2651,"sentiment":"neutral","sentiment_score":0.05506752664223313}],"sentiment":"neutral","sentiment_score":0.04763395078860375,"num_words":49,"start":3626.135,"end":3652.2651},{"sentences":[{"text":"Okay.","start":3654.245,"end":3654.645,"sentiment":"neutral","sentiment_score":0.25313642621040344},{"text":"Perfect.","start":3654.645,"end":3655.145,"sentiment":"positive","sentiment_score":0.41150206327438354},{"text":"So I can book that in.","start":3655.205,"end":3656.8052,"sentiment":"neutral","sentiment_score":0.23576641579469046},{"text":"So that is next Thursday, the sixteenth of July, which feels pretty crazy.","start":3656.8052,"end":3661.125,"sentiment":"neutral","sentiment_score":0.044675470831302494},{"text":"It's July already.","start":3661.125,"end":3662.665,"sentiment":"neutral","sentiment_score":0.032830882196625076}],"sentiment":"neutral","sentiment_score":0.11493794798540573,"num_words":24,"start":3654.245,"end":3662.665},{"sentences":[{"text":"And that will be up for thirty PM your time.","start":3664.14,"end":3668.16,"sentiment":"neutral","sentiment_score":0.07808407619595528},{"text":"It shouldn't take as long as today's conversation just to kind of go through those recommendations with you.","start":3669.18,"end":3675.44,"sentiment":"neutral","sentiment_score":0.00807814858853817},{"text":"If it is that you your shift changes, you have to work later, or, you know, something happens, just let me know because I can always just look to reschedule or shuffle a few things around for you if if you don't.","start":3676.215,"end":3690.715,"sentiment":"neutral","sentiment_score":-0.03443772753789311},{"text":"Yep.","start":3691.21,"end":3691.53,"sentiment":"neutral","sentiment_score":0.0517449751496315},{"text":"Okay.","start":3691.53,"end":3692.03,"sentiment":"neutral","sentiment_score":0.006352156400680542}],"sentiment":"neutral","sentiment_score":-0.006417222062332762,"num_words":72,"start":3664.14,"end":3692.03},{"sentences":[{"text":"Okay.","start":3695.45,"end":3695.95,"sentiment":"neutral","sentiment_score":0.017623458057641983},{"text":"Okay.","start":3696.1702,"end":3696.6702,"sentiment":"neutral","sentiment_score":-0.012236922979354858},{"text":"Okay.","start":3700.1702,"end":3700.6702,"sentiment":"neutral","sentiment_score":-0.11751805245876312},{"text":"Yeah.","start":3700.81,"end":3701.31,"sentiment":"neutral","sentiment_score":-0.001111738383769989},{"text":"Yeah.","start":3701.61,"end":3702.11,"sentiment":"neutral","sentiment_score":0.026888880878686905}],"sentiment":"neutral","sentiment_score":-0.017270874977111817,"num_words":5,"start":3695.45,"end":3702.11},{"sentences":[{"text":"If it happens, though, just let me know, and we can always reassess that.","start":3702.25,"end":3706.695,"sentiment":"neutral","sentiment_score":0.019683997678969587},{"text":"Otherwise, do you have any questions for me at this point before I let you go and enjoy your afternoon?","start":3707.8152,"end":3714.3152,"sentiment":"neutral","sentiment_score":0.025137312803417446},{"text":"No?","start":3714.455,"end":3714.955,"sentiment":"neutral","sentiment_score":-0.08365572988986969},{"text":"Alright.","start":3716.0552,"end":3716.5552,"sentiment":"neutral","sentiment_score":0.1688372790813446},{"text":"Yes.","start":3717.8152,"end":3718.3152,"sentiment":"neutral","sentiment_score":0.15208539366722107}],"sentiment":"neutral","sentiment_score":0.027448355849530245,"num_words":37,"start":3702.25,"end":3718.3152},{"sentences":[{"text":"Now like I said, I will give you a call next Thursday, July 16 at 04:30 your time and go through those couple of things.","start":3719.73,"end":3729.01,"sentiment":"neutral","sentiment_score":0.16810471534729005},{"text":"I will also get my team to email you that lawyer referral information just so that you have it in the inbox if it is something you guys do wanna have a look at.","start":3729.01,"end":3739.605,"sentiment":"neutral","sentiment_score":0.2477693036198616},{"text":"Yep.","start":3740.785,"end":3741.1848,"sentiment":"positive","sentiment_score":0.6253628730773926},{"text":"Perfect.","start":3741.1848,"end":3741.6848,"sentiment":"positive","sentiment_score":0.8138935565948486},{"text":"Well, thank you so much for your time on the phone today, Sarah Jane, and I look forward to speaking with you next week.","start":3741.905,"end":3747.977,"sentiment":"positive","sentiment_score":0.674718838185072}],"sentiment":"positive","sentiment_score":0.3559915617984884,"num_words":85,"start":3719.73,"end":3747.977},{"sentences":[{"text":"Mhmm.","start":3749.157,"end":3749.477,"sentiment":"neutral","sentiment_score":0.154330313205719},{"text":"No worries.","start":3749.477,"end":3750.117,"sentiment":"neutral","sentiment_score":0.16455553472042084},{"text":"We'll speak soon.","start":3750.117,"end":3751.0168,"sentiment":"neutral","sentiment_score":0.20461309949556986},{"text":"Bye.","start":3751.637,"end":3752.137,"sentiment":"neutral","sentiment_score":-0.07731783390045166}],"sentiment":"neutral","sentiment_score":0.14570897817611694,"num_words":7,"start":3749.157,"end":3752.137}]}}]},{"alternatives":[{"transcript":"Sarah speaking. Good. How are you? That's good. Ah, yes. It is. Thanks. Yep. That's fine. Yep. Sarah Jane Schembri. Seventeenth of eleventh seventy two. Address, 17 Gairdner Lane, Mawson Lake, South Australia 5095. Yeah. No. Like, I'm on afternoon shift. So, yeah, I I'm a shift worker now. So I'm on afternoon to where I work. Start at three, finish sort of anywhere up to midnight. So yeah. Yeah. So it's kind of yeah. I woke up late today. Not sometimes I wake up sort of by nine, but today it was, like, 10:00 and I was like, woah. Yeah. So that's right. Sometimes you need it. Yeah. I guess this is kind of my first one since, you know, having everything set up. So, you know, I'm just kind of gonna run with it and learn and then see see where where it goes, I suppose. Yeah. I don't have anything sort of preplanned. But yeah. Just like obviously, I keep an update every now and then I have a look at my super balance. But yeah. Just guided by you, really, for the moment. Yeah. Yeah. Yeah. Absolutely. Yep. Yeah. No worries. Yeah. That's correct. So, yep, relationship's still the same. And, yeah, two kids, like I guess my son's, like, almost 20. But, yeah, like, they're still sort of living with me on one week on, one week off. So, yeah. Yep. Yeah. Some yeah. But I just don't have his school fees anymore, which is amazing. So just just my daughter's. Yeah. Yeah. Yeah. Yeah. I can't remember. Was I in I think I was in a when I was talking to you, but was I in the admin role training? Can't yeah. So I think my salary was around the 80 k. So, no, I've got another job since then. Still in the same company, but now I work out at the terminal where the trains are. So my salary is I've had a really significant salary increase. So so I was on I think it was it worked out to be just under 80 k plus super. Now I'm on a 116 plus super. So hence, why my super contributions should have been up a fair bit. Yeah. No. It's terminal logistics specialist. So I'm at the I'm I'm still computer based, so I'm not, like, out interfacing with the trains or anything. I actually am the one that plans the freight to go on and builds the consists for the train drivers and deals with all the customer container issues sort of thing. So it's still an admin focused role, but just out at the terminal where the trains come and go, like arrive and depart trains and all that. Yes. Yep. Yeah. Yeah. Yeah. Yeah. I'm I'm in high vis, but I'm literally in the office all day. Don't barely step away from the computer. Yeah. It was really challenging at first, and I did almost because I've never been a shift worker either. So I'd it was challenging to learn, and I will admit that I was almost gonna throw it in and go back to training because they didn't want to lose me. But I pushed through, and I've come out the other side, and I'm definitely, like, financially better off. And, yeah, I actually so I work compressed hours. So, like, this week, I'll do Monday to Friday, three till midnight, but then I get Saturday, Sunday, Monday, Tuesday off. And then I go back next Wednesday, and I do seven day shift straight, but then I get five off. So I'm always having a four and five day weekend. So, yeah, I'm I'm kinda hoping I can see this through till retirement if that makes sense. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. That's correct. No. I'm not. That was something I was gonna talk to you about actually because now that now we're on this subject, that's a question, I suppose. So I can I do I am able to salary sacrifice in the company, like, so I can do that with my super? Obviously, I've got my daughter in year 11 this year. So next year, she's year 12. So it'll be her last year that I'm paying school fees, which is quite a significant drop. Like, I'll have more disposable income available to me. Yeah. So, I mean, I was paying sort of 10,000 a year when my son and her well, over 10,000 a year when they were both at school. He's finished now. So I've just got her, which is one more year left. So I've been used to sort of paying that. So I guess that's something I could potentially look at doing. Because, yeah, I think now's the age, right, that I really should start focusing on my super. Yep. Yeah. Maybe maybe we'll look at it this time next year because definitely, this time next year, I would like literally only be you know, I'd only have a few months left or six months left of her payment. So yeah. And, obviously, like, Pete and I still have a mortgage as well, and you just don't know what's going on with interest rates. We do pay more than we need to, but the more they keep putting them up, like, we'll probably need to increase that as well. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. What's the sort of starting like, what sort of dollar value would we be talking to? Yeah. Like, as a minimum. Oh, okay. Oh, okay. Yep. Yep. Yep. Yep. Right. Yep. Yeah. Yeah. Yeah. But, like, if I started, yeah, started with a 100 a fortnight or something like that, I'm thinking I would barely notice it out of my pay, hopefully. Yep. Yeah. Yeah. Yeah. Like, I'm just, yeah, I'm just thinking at least 100 a fortnight is better than nothing, and, hopefully, I won't notice that too much. So yeah. Yeah. Right. Yep. I have seen it. Yeah. Right. Okay. Yep. Yep. Yep. Yep. Huge difference. Yep. Yep. Yep. Yep. Yep. Yes. Okay. I mean, ideally, that would be nice, but it really depends on like I said, the biggest factor for us is we have a mortgage. So yeah. You know, if, ideally, if we can get that paid off, then yeah. But if not, maybe another few years. So yeah. Fortnightly. So fortnightly, and we've both got money in in the offset. So we refinanced our mortgage in January this year, went back to a bank that I used to work for. They called me. So we were on a pretty alright deal, but then they've put interest rates up since then. So but we have now because it was where we do all our banking as well, we were able to utilize an offset account, and that's probably making a huge difference which we didn't have previously. Yeah. So and I've just got Pete because he is obviously self employed, and he had a business account and had sort of plenty of money sitting there but not doing anything. So we've got that sitting in an offset for him as well. So, hopefully, that's now making a bit bit of a difference. Both of us. So he's me about 56 at the moment. Thousand. Yeah. We've got heaps of equity. Like, heaps. Yeah. So the house is probably worth about 800 at the moment. That's being conservative. And I think we owe about 296,000. Yep. Yeah. We yeah. Yeah. So we're down to $2.02 90 well, I think we're down to $2.95, but they'll dump interest on otherwise, it goes on around the fourteenth of the month. So but we've also got a joint account which our mortgage comes out of and bills, and we've got that's an offset as well, which has got about $10 in it. So between us, we've got a 100,000 sitting in an offset account. Yeah. Yeah. Yeah. Yep. Yes. Like I said, if the house is paid off, I think, you know, and you don't have, yeah, commitments. Like, we're pretty live a pretty easy life. Just the odd holiday here and there, we do. Our biggest thing is, like, we love to just go for a walk and have a coffee. So I reckon that's still achievable at the moment. I don't think we'd need anymore. Yeah. Yeah. Yeah. Yep. That's right. Yep. Yep. Yep. That's yeah. Yeah. Yep. Yep. Yep. Yes. Nothing's changed with my car. That's all still the same. Yep. No. No. Nah. Nah. Nah. Nothing really. We've got yeah. We do have a joint credit card for Bankwest that's probably got about, I don't know, maybe $7,000 debt on it. And, yeah, I just have, like I do the sort of ZipPay, but it's maybe got $600 on it. Nothing huge. Yeah. Yep. No. Yes. I do. Yep. Yes. It is. No. No. We don't. And we need to. That's something we really need to do. Yeah. Yeah. No. I don't think we do know anyone local. So, yeah, would if Yep. Yep. Yep. Yeah. Yeah. Yeah. No. That'll be good. Thank you. Yeah. Yeah. It would be. Yeah. It's more that if something happens to him then, obviously, that's where it gets tricky because we both have kids. But yeah. Yep. Yeah. That's right. Yep. Right. Okay. Yep. Okay. Yep. No worries. Not really. Like, obviously, like, the biggest thing is trying to max get the mortgage done, but, you know, we're doing everything we can, but I don't know. Yeah. Yep. Yeah. Yep. Yep. Yep. Yep. Yes. Yeah. Yeah. No worries. Will do. Yep. Yep. Yep. Yep. Yep. Have I ever no. I've looked but never done I'd say probably high, moderate. I don't know. I'm probably, like, in the middle. Like, I can see that super is a long term thing. So, you know, I understand that if you take high risk, you know, it might drop, but then it could rebound, like, down the track. So that's the risk you take. I guess it's only because I'm getting closer to that retirement age now. I don't have, like, the thirty years that I used to have. So, yeah, I don't mind high risk. I like to see the growth, but, yeah, I'm just mindful that I have less time to recover as each year goes on, if that makes sense. So Actually, I would probably go well, now is the time to put some more in while it's low. I don't know. It would depend how much I've got. Yeah. Yeah. Probably not a lot, but not a little. Somewhere in the middle. Yeah. Yeah. Yeah. I have. Yeah. Yep. Yep. Yep. So I probably would say I didn't feel anxious or concerned. I felt probably just more neutral. Like, I did see it drop, but I was like, oh, it's a period. And, you know, the next time I went in, it started going up. So you know what I mean? Like so probably neutral. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. That's right. Yep. Yes, actually. And this is something we've thought of because we have equity. And even when I refinanced, the guy at the bank said this or sort of mentioned that, you know, we could look at an investment property or something along, you know, an investment loan, but I wasn't quite ready. I don't think I wanna do we don't have the energy or wanna commit to a property with the prices that they right now. But, yeah, certainly stocks and shares, if that means we can, grow that. And but it would just come down to, like, what would the affordability be for us or and how does that work on with us repaying that, if that makes sense. But I guess even if it was something small like 50,000 to start with, I don't know. Yeah. Because we have got a lot of equity there. Well, that's the thing. Like, if if we've if we've got the mortgage paid off, like, I don't mind having a bit of debt left if you've got an investment attached to that. Whereas at the moment, we don't like. So yeah. If if we've got the mortgage paid off, but we've still got, you know, $6,070,000 dollars in investment debt left. That's different because you could hopefully go, well, the money you've made on that, if it pays out the loan. I don't know how it all works, but I know my mom did it with her husband. They had an investment debt once they paid their mortgage off, but then they yeah. I don't know. I don't know how they did it, but they did it with a financial planner, obviously. So, yeah, open to it, but just need to understand more how it works. And I guess it would be a tax like you would would it be you claim the debt interest or the rules change now? Like yeah. Yeah. Yeah. That's right. Yep. Yeah. But yeah. Up in the air. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. That'll be good because yeah. Also, obviously, Maddie's school fees will be coming to an end as well. So there's a yeah. Things change next year. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Probably not. Can't remember. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Right. Okay. I really don't know. I I was gonna say, like, from what I've seen, I feel like it's doing well, but I don't know what to compare to. Do you know what I mean? Like and I don't know how volatile that would make it if I went to the next one. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Okay. And can I make so something else, this job that I'm actually in, I do have a bonus attached to my salary, and we're going through it's that time of year now where we're sort of doing reviews and it's not guaranteed that you get it? But, basically, it can be 10 to fifth 10 to 10 or 15. I'm not sure. So we are able to like, I I won't do it this year because it's my first time, and I just want I don't know if I'm gonna get one. But I've seen there's an option that it can go straight to super rather than being paid, you know, into your account as a bonus. Does that affect that, you know, that threshold, that 32,000? You have to be so I if I was salary sacrificing, I'd have to take that into account and make sure that I didn't go over. Okay. Yeah. Yeah. Oh, okay. Right. Yep. Yeah. Yeah. Like, I I definitely won't have it put to my super this year if I get one because there was a timeline. I just saw an email saying if you wish for your bonus to go straight to your super, then let us know by this date. Otherwise, if we don't hear from you, it won't. But like I said, it's not guaranteed that you're gonna even get one. Like, it goes to a panel. So I'm just gonna see how it plays out this year and what it's like. But then next year, if, you know, I'm thinking, well, maybe I can go or having said that, would I can make at any time voluntary contributions. Yeah. Okay. Right. Yep. Okay. Alright. Yeah. Yeah. Yeah. Okay. No worries. Right. Right. Okay. Yep. Yep. Yep. Okay. Okay. Cool. Yeah. The email came out a few weeks ago. So yeah. Yep. Yep. Alright. No worries. Yep. Yep. Okay. Lovely. Yep. Yep. Yep. Yeah. Yeah. Will do. Yeah. Yep. Okay. No worries. Yes. Yeah. Yeah. Yes. Yes. I had a three. Yep. Yep. Yep. I've got that now. Yep. I've just it just says sign document, but I can't hang on. Is that oh, it says annual review pack and TFN opt in form. Please find attached important documentation. On the signed documents? Yep. Oh, yep. Yep. So I've got summary of superannuation and insurance. Yep. Yep. Oh, that's gone up a bit. I haven't even forgotten about that one. It's like the nothing one, but it is there. No. I can't. Yeah. Yep. There. That's alright. Alright. Yep. Yep. Yep. Yep. Okay. Yeah. I think probably prefer to have it a bit more separate for this. Yeah. I reckon. If that changes down the track, but for now, yeah, maybe. Yeah. Yeah. Yeah. Yeah. No. That's cool. Yep. Yep. Yep. Yep. Yeah. No. I think I'm still happy with that. Yeah. Yep. Yeah. Yep. Yeah. Let's say four what's that? $4.07 a month. So, yes, couple of grand probably lot on now, isn't it? But I still think, like, I still actually oh, this is? So that that would be after tax, or would this be before tax, $4.07 5 o? Before. Yeah. Okay. A little bit less. Look. I've survived on 80 grand for most of you know? Like, it's only been in since August last year that I've been getting this salary. So I've been it's the highest I've ever had. So I've never been earning this sort of money, so I do know how to live off minimal. So, yeah, let's just leave it for another year. And, like, we keep reducing our debt, hopefully. So yeah. That's alright. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. That's right. Yep. Yep. Yep. Yep. Yep. Yep. That sounds good. Performance with IRR. Yep. Yep. Okay. Yep. Yep. Yeah. Yeah. No. That's really good. Yep. No worries. Yep. Yep. No worries. Oops. Just hit next document. Yep. Oh, was that the Vanguard index chart? That's what I've got. Yep. Yep. Yeah. Yep. Yep. Yeah. Certificate of currency. Yep. Yep. No worries. Is the services guide? Yep. Yep. Yep. Yep. Yep. No. Thank you. Yep. Oh, hang on. Got option to provide tax file number. Have you got my tax phone number? Uh-huh. Yeah. We do. Yeah. Yep. Oh, okay. Yep. And do you need me to sign that one? That's the end. I've got nothing else after this one. I don't think. Unless it's got here click to start, and I think I've gotta sign up. Oh, okay. Do I hit click to start to do that? I think yep. Okay. So you've got my oh, yep. Fine. Okay. Yep. Sure. Yep. Is that, like, 175650296? Should I hit? Was it 175650296? The tax phone number. Yeah. It wanted me to put it in, and I've just typed it. Oh, okay. 1 176 yeah. Okay. It's very faint, but it's like 175 the I can see it there, but it's just like if I go next, fill in. Yeah. It's just oh my gosh. What's happening? I'm losing it on the screen. Yeah. Which I've signed. I've put the date, and now I'm just, like, not being able to get to the next screen. Oh, gosh. Okay. So if I just put a dot in the tax file number Yep. Oh, yeah. Now it's going next document. Yep. It's like going. Yep. Okay. Yeah. Okay. Yeah. It says, like, one one of three or something. Page one of three. Yeah. Yep. And then the very end one. So now go signature and dates. Yep. Yep. Mhmm. Yep. No worries. So I just hit validate and send. Okay. Yep. Yep. Yep. What sort of time frame would you okay. Let me so so Wednesday, Thursday next week, I'm on day shift. So I'll be working from six in the morning till 03:30 in the afternoon. So I generally get home anywhere between four, 04:30, depending on if I get hold up. So so yeah. Yeah. Yeah. I can do it in the afternoon. Yep. Yep. Yep. 04:00. Yeah. Yep. Yep. Yep. That's fine. Yeah. Yeah. No. That's fine. Yep. Yeah. I know. Yep. Yep. Yeah. No worries. Should be right. Yeah. We don't you know, I'd hand over to someone. So yeah. Would only be if they call in sick and they say, oh, can you stay a bit longer? But hopefully not. Yep. No. No. All good. I think we've covered them along the way. Yep. Yep. Lovely. Sounds good. Awesome. Yep. Thank you. See you. 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speaking. Good. How are you? That's good. Ah, yes.\n\nIt is. Thanks. Yep. That's fine. Yep.\n\nSarah Jane Schembri. Seventeenth of eleventh seventy two. Address, 17 Gairdner Lane, Mawson Lake, South Australia 5095. Yeah. No.\n\nLike, I'm on afternoon shift. So, yeah, I I'm a shift worker now. So I'm on afternoon to where I work. Start at three, finish sort of anywhere up to midnight. So yeah.\n\nYeah. So it's kind of yeah. I woke up late today. Not sometimes I wake up sort of by nine, but today it was, like, 10:00 and I was like, woah. Yeah.\n\nSo that's right. Sometimes you need it. Yeah. I guess this is kind of my first one since, you know, having everything set up. So, you know, I'm just kind of gonna run with it and learn and then see see where where it goes, I suppose.\n\nYeah. I don't have anything sort of preplanned. But yeah. Just like obviously, I keep an update every now and then I have a look at my super balance. But yeah.\n\nJust guided by you, really, for the moment. Yeah. Yeah. Yeah. Absolutely.\n\nYep. Yeah. No worries. Yeah. That's correct.\n\nSo, yep, relationship's still the same. And, yeah, two kids, like I guess my son's, like, almost 20. But, yeah, like, they're still sort of living with me on one week on, one week off. So, yeah. Yep.\n\nYeah. Some yeah. But I just don't have his school fees anymore, which is amazing. So just just my daughter's. Yeah.\n\nYeah. Yeah. Yeah. I can't remember. Was I in I think I was in a when I was talking to you, but was I in the admin role training?\n\nCan't yeah. So I think my salary was around the 80 k. So, no, I've got another job since then. Still in the same company, but now I work out at the terminal where the trains are. So my salary is I've had a really significant salary increase.\n\nSo so I was on I think it was it worked out to be just under 80 k plus super. Now I'm on a 116 plus super. So hence, why my super contributions should have been up a fair bit. Yeah. No.\n\nIt's terminal logistics specialist. So I'm at the I'm I'm still computer based, so I'm not, like, out interfacing with the trains or anything. I actually am the one that plans the freight to go on and builds the consists for the train drivers and deals with all the customer container issues sort of thing. So it's still an admin focused role, but just out at the terminal where the trains come and go, like arrive and depart trains and all that. Yes.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nI'm I'm in high vis, but I'm literally in the office all day. Don't barely step away from the computer. Yeah. It was really challenging at first, and I did almost because I've never been a shift worker either. So I'd it was challenging to learn, and I will admit that I was almost gonna throw it in and go back to training because they didn't want to lose me.\n\nBut I pushed through, and I've come out the other side, and I'm definitely, like, financially better off. And, yeah, I actually so I work compressed hours. So, like, this week, I'll do Monday to Friday, three till midnight, but then I get Saturday, Sunday, Monday, Tuesday off. And then I go back next Wednesday, and I do seven day shift straight, but then I get five off. So I'm always having a four and five day weekend.\n\nSo, yeah, I'm I'm kinda hoping I can see this through till retirement if that makes sense. Yep. Yep. Yep. Yep.\n\nYep. Yeah. Yeah. That's correct. No.\n\nI'm not. That was something I was gonna talk to you about actually because now that now we're on this subject, that's a question, I suppose. So I can I do I am able to salary sacrifice in the company, like, so I can do that with my super? Obviously, I've got my daughter in year 11 this year. So next year, she's year 12.\n\nSo it'll be her last year that I'm paying school fees, which is quite a significant drop. Like, I'll have more disposable income available to me. Yeah. So, I mean, I was paying sort of 10,000 a year when my son and her well, over 10,000 a year when they were both at school. He's finished now.\n\nSo I've just got her, which is one more year left. So I've been used to sort of paying that. So I guess that's something I could potentially look at doing. Because, yeah, I think now's the age, right, that I really should start focusing on my super. Yep.\n\nYeah. Maybe maybe we'll look at it this time next year because definitely, this time next year, I would like literally only be you know, I'd only have a few months left or six months left of her payment. So yeah. And, obviously, like, Pete and I still have a mortgage as well, and you just don't know what's going on with interest rates. We do pay more than we need to, but the more they keep putting them up, like, we'll probably need to increase that as well.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. What's the sort of starting like, what sort of dollar value would we be talking to? Yeah.\n\nLike, as a minimum. Oh, okay. Oh, okay. Yep. Yep.\n\nYep. Yep. Right. Yep. Yeah.\n\nYeah. Yeah. But, like, if I started, yeah, started with a 100 a fortnight or something like that, I'm thinking I would barely notice it out of my pay, hopefully. Yep. Yeah.\n\nYeah. Yeah. Like, I'm just, yeah, I'm just thinking at least 100 a fortnight is better than nothing, and, hopefully, I won't notice that too much. So yeah. Yeah.\n\nRight. Yep. I have seen it. Yeah. Right.\n\nOkay. Yep. Yep. Yep. Yep.\n\nHuge difference. Yep. Yep. Yep. Yep.\n\nYep. Yes. Okay. I mean, ideally, that would be nice, but it really depends on like I said, the biggest factor for us is we have a mortgage. So yeah.\n\nYou know, if, ideally, if we can get that paid off, then yeah. But if not, maybe another few years. So yeah. Fortnightly. So fortnightly, and we've both got money in in the offset.\n\nSo we refinanced our mortgage in January this year, went back to a bank that I used to work for. They called me. So we were on a pretty alright deal, but then they've put interest rates up since then. So but we have now because it was where we do all our banking as well, we were able to utilize an offset account, and that's probably making a huge difference which we didn't have previously. Yeah.\n\nSo and I've just got Pete because he is obviously self employed, and he had a business account and had sort of plenty of money sitting there but not doing anything. So we've got that sitting in an offset for him as well. So, hopefully, that's now making a bit bit of a difference. Both of us. So he's me about 56 at the moment.\n\nThousand. Yeah. We've got heaps of equity. Like, heaps. Yeah.\n\nSo the house is probably worth about 800 at the moment. That's being conservative. And I think we owe about 296,000. Yep. Yeah.\n\nWe yeah. Yeah. So we're down to $2.02 90 well, I think we're down to $2.95, but they'll dump interest on otherwise, it goes on around the fourteenth of the month. So but we've also got a joint account which our mortgage comes out of and bills, and we've got that's an offset as well, which has got about $10 in it. So between us, we've got a 100,000 sitting in an offset account.\n\nYeah. Yeah. Yeah. Yep. Yes.\n\nLike I said, if the house is paid off, I think, you know, and you don't have, yeah, commitments. Like, we're pretty live a pretty easy life. Just the odd holiday here and there, we do. Our biggest thing is, like, we love to just go for a walk and have a coffee. So I reckon that's still achievable at the moment.\n\nI don't think we'd need anymore. Yeah. Yeah. Yeah. Yep.\n\nThat's right. Yep. Yep. Yep. That's yeah.\n\nYeah. Yep. Yep. Yep. Yes.\n\nNothing's changed with my car. That's all still the same. Yep. No. No.\n\nNah. Nah. Nah. Nothing really. We've got yeah.\n\nWe do have a joint credit card for Bankwest that's probably got about, I don't know, maybe $7,000 debt on it. And, yeah, I just have, like I do the sort of ZipPay, but it's maybe got $600 on it. Nothing huge. Yeah. Yep.\n\nNo. Yes. I do. Yep. Yes.\n\nIt is. No. No. We don't. And we need to.\n\nThat's something we really need to do. Yeah. Yeah. No. I don't think we do know anyone local.\n\nSo, yeah, would if Yep. Yep. Yep. Yeah. Yeah.\n\nYeah. No. That'll be good. Thank you. Yeah.\n\nYeah. It would be. Yeah. It's more that if something happens to him then, obviously, that's where it gets tricky because we both have kids. But yeah.\n\nYep. Yeah. That's right. Yep. Right.\n\nOkay. Yep. Okay. Yep. No worries.\n\nNot really. Like, obviously, like, the biggest thing is trying to max get the mortgage done, but, you know, we're doing everything we can, but I don't know. Yeah. Yep. Yeah.\n\nYep. Yep. Yep. Yep. Yes.\n\nYeah. Yeah. No worries. Will do. Yep.\n\nYep. Yep. Yep. Yep. Have I ever no.\n\nI've looked but never done I'd say probably high, moderate. I don't know. I'm probably, like, in the middle. Like, I can see that super is a long term thing. So, you know, I understand that if you take high risk, you know, it might drop, but then it could rebound, like, down the track.\n\nSo that's the risk you take. I guess it's only because I'm getting closer to that retirement age now. I don't have, like, the thirty years that I used to have. So, yeah, I don't mind high risk. I like to see the growth, but, yeah, I'm just mindful that I have less time to recover as each year goes on, if that makes sense.\n\nSo Actually, I would probably go well, now is the time to put some more in while it's low. I don't know. It would depend how much I've got. Yeah. Yeah.\n\nProbably not a lot, but not a little. Somewhere in the middle. Yeah. Yeah. Yeah.\n\nI have. Yeah. Yep. Yep. Yep.\n\nSo I probably would say I didn't feel anxious or concerned. I felt probably just more neutral. Like, I did see it drop, but I was like, oh, it's a period. And, you know, the next time I went in, it started going up. So you know what I mean?\n\nLike so probably neutral. Yeah. Yeah. Yep. Yeah.\n\nYeah. Yeah. That's right. Yep. Yes, actually.\n\nAnd this is something we've thought of because we have equity. And even when I refinanced, the guy at the bank said this or sort of mentioned that, you know, we could look at an investment property or something along, you know, an investment loan, but I wasn't quite ready. I don't think I wanna do we don't have the energy or wanna commit to a property with the prices that they right now. But, yeah, certainly stocks and shares, if that means we can, grow that. And but it would just come down to, like, what would the affordability be for us or and how does that work on with us repaying that, if that makes sense.\n\nBut I guess even if it was something small like 50,000 to start with, I don't know. Yeah. Because we have got a lot of equity there. Well, that's the thing. Like, if if we've if we've got the mortgage paid off, like, I don't mind having a bit of debt left if you've got an investment attached to that.\n\nWhereas at the moment, we don't like. So yeah. If if we've got the mortgage paid off, but we've still got, you know, $6,070,000 dollars in investment debt left. That's different because you could hopefully go, well, the money you've made on that, if it pays out the loan. I don't know how it all works, but I know my mom did it with her husband.\n\nThey had an investment debt once they paid their mortgage off, but then they yeah. I don't know. I don't know how they did it, but they did it with a financial planner, obviously. So, yeah, open to it, but just need to understand more how it works. And I guess it would be a tax like you would would it be you claim the debt interest or the rules change now?\n\nLike yeah. Yeah. Yeah. That's right. Yep.\n\nYeah. But yeah. Up in the air. Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. That'll be good because yeah. Also, obviously, Maddie's school fees will be coming to an end as well.\n\nSo there's a yeah. Things change next year. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Probably not. Can't remember. Yeah. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nRight. Okay. I really don't know. I I was gonna say, like, from what I've seen, I feel like it's doing well, but I don't know what to compare to. Do you know what I mean?\n\nLike and I don't know how volatile that would make it if I went to the next one. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nOkay. And can I make so something else, this job that I'm actually in, I do have a bonus attached to my salary, and we're going through it's that time of year now where we're sort of doing reviews and it's not guaranteed that you get it? But, basically, it can be 10 to fifth 10 to 10 or 15. I'm not sure. So we are able to like, I I won't do it this year because it's my first time, and I just want I don't know if I'm gonna get one.\n\nBut I've seen there's an option that it can go straight to super rather than being paid, you know, into your account as a bonus. Does that affect that, you know, that threshold, that 32,000? You have to be so I if I was salary sacrificing, I'd have to take that into account and make sure that I didn't go over. Okay. Yeah.\n\nYeah. Oh, okay. Right. Yep. Yeah.\n\nYeah. Like, I I definitely won't have it put to my super this year if I get one because there was a timeline. I just saw an email saying if you wish for your bonus to go straight to your super, then let us know by this date. Otherwise, if we don't hear from you, it won't. But like I said, it's not guaranteed that you're gonna even get one.\n\nLike, it goes to a panel. So I'm just gonna see how it plays out this year and what it's like. But then next year, if, you know, I'm thinking, well, maybe I can go or having said that, would I can make at any time voluntary contributions. Yeah. Okay.\n\nRight. Yep. Okay. Alright. Yeah.\n\nYeah. Yeah. Okay. No worries. Right.\n\nRight. Okay. Yep. Yep. Yep.\n\nOkay. Okay. Cool. Yeah. The email came out a few weeks ago.\n\nSo yeah. Yep. Yep. Alright. No worries.\n\nYep. Yep. Okay. Lovely. Yep.\n\nYep. Yep. Yeah. Yeah. Will do.\n\nYeah. Yep. Okay. No worries. Yes.\n\nYeah. Yeah. Yes. Yes. I had a three.\n\nYep. Yep. Yep. I've got that now. Yep.\n\nI've just it just says sign document, but I can't hang on. Is that oh, it says annual review pack and TFN opt in form. Please find attached important documentation. On the signed documents? Yep.\n\nOh, yep. Yep. So I've got summary of superannuation and insurance. Yep. Yep.\n\nOh, that's gone up a bit. I haven't even forgotten about that one. It's like the nothing one, but it is there. No. I can't.\n\nYeah. Yep. There. That's alright. Alright.\n\nYep. Yep. Yep. Yep. Okay.\n\nYeah. I think probably prefer to have it a bit more separate for this. Yeah. I reckon. If that changes down the track, but for now, yeah, maybe.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nThat's cool. Yep. Yep. Yep. Yep.\n\nYeah. No. I think I'm still happy with that. Yeah. Yep.\n\nYeah. Yep. Yeah. Let's say four what's that? $4.07 a month.\n\nSo, yes, couple of grand probably lot on now, isn't it? But I still think, like, I still actually oh, this is? So that that would be after tax, or would this be before tax, $4.07 5 o? Before. Yeah.\n\nOkay. A little bit less. Look. I've survived on 80 grand for most of you know? Like, it's only been in since August last year that I've been getting this salary.\n\nSo I've been it's the highest I've ever had. So I've never been earning this sort of money, so I do know how to live off minimal. So, yeah, let's just leave it for another year. And, like, we keep reducing our debt, hopefully. So yeah.\n\nThat's alright. Yeah. Yep. Yeah. Yeah.\n\nYeah. Yeah. That's right. Yep. Yep.\n\nYep. Yep. Yep. Yep. That sounds good.\n\nPerformance with IRR. Yep. Yep. Okay. Yep.\n\nYep. Yeah. Yeah. No. That's really good.\n\nYep. No worries. Yep. Yep. No worries.\n\nOops. Just hit next document. Yep. Oh, was that the Vanguard index chart? That's what I've got.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYeah. Certificate of currency. Yep. Yep. No worries.\n\nIs the services guide? Yep. Yep. Yep. Yep.\n\nYep. No. Thank you. Yep. Oh, hang on.\n\nGot option to provide tax file number. Have you got my tax phone number? Uh-huh. Yeah. We do.\n\nYeah. Yep. Oh, okay. Yep. And do you need me to sign that one?\n\nThat's the end. I've got nothing else after this one. I don't think. Unless it's got here click to start, and I think I've gotta sign up. Oh, okay.\n\nDo I hit click to start to do that? I think yep. Okay. So you've got my oh, yep. Fine.\n\nOkay. Yep. Sure. Yep. Is that, like, 175650296?\n\nShould I hit? Was it 175650296? The tax phone number. Yeah. It wanted me to put it in, and I've just typed it.\n\nOh, okay. 1 176 yeah. Okay. It's very faint, but it's like 175 the I can see it there, but it's just like if I go next, fill in. Yeah.\n\nIt's just oh my gosh. What's happening? I'm losing it on the screen. Yeah. Which I've signed.\n\nI've put the date, and now I'm just, like, not being able to get to the next screen. Oh, gosh. Okay. So if I just put a dot in the tax file number Yep. Oh, yeah.\n\nNow it's going next document. Yep. It's like going. Yep. Okay.\n\nYeah. Okay. Yeah. It says, like, one one of three or something. Page one of three.\n\nYeah. Yep. And then the very end one. So now go signature and dates. Yep.\n\nYep. Mhmm. Yep. No worries. So I just hit validate and send.\n\nOkay. Yep. Yep. Yep. What sort of time frame would you okay.\n\nLet me so so Wednesday, Thursday next week, I'm on day shift. So I'll be working from six in the morning till 03:30 in the afternoon. So I generally get home anywhere between four, 04:30, depending on if I get hold up. So so yeah. Yeah.\n\nYeah. I can do it in the afternoon. Yep. Yep. Yep.\n\n04:00. Yeah. Yep. Yep. Yep.\n\nThat's fine. Yeah. Yeah. No. That's fine.\n\nYep. Yeah. I know. Yep. Yep.\n\nYeah. No worries. Should be right. Yeah. We don't you know, I'd hand over to someone.\n\nSo yeah. Would only be if they call in sick and they say, oh, can you stay a bit longer? But hopefully not. Yep. No.\n\nNo. All good. I think we've covered them along the way. Yep. Yep.\n\nLovely. Sounds good. Awesome. Yep. Thank you.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Sarah speaking.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":0.02582383994013071},{"text":"Good.","start":5.52,"end":5.8399997,"sentiment":"positive","sentiment_score":0.3645332753658294},{"text":"How are you?","start":5.8399997,"end":6.66,"sentiment":"neutral","sentiment_score":0.22790231307347616},{"text":"That's good.","start":8.72,"end":9.62,"sentiment":"positive","sentiment_score":0.6891479790210724},{"text":"Ah, yes.","start":14.4,"end":14.799999,"sentiment":"neutral","sentiment_score":0.18346887826919556}],"sentiment":"neutral","sentiment_score":0.28451216090470555,"num_words":10,"start":0.24,"end":14.799999},{"sentences":[{"text":"It is.","start":14.799999,"end":15.28,"sentiment":"neutral","sentiment_score":0.22566042095422745},{"text":"Thanks.","start":15.28,"end":15.78,"sentiment":"positive","sentiment_score":0.4600612223148346},{"text":"Yep.","start":25.955,"end":26.275,"sentiment":"neutral","sentiment_score":0.10667254030704498},{"text":"That's fine.","start":26.275,"end":27.095001,"sentiment":"neutral","sentiment_score":0.19916630536317825},{"text":"Yep.","start":38.66,"end":39.16,"sentiment":"neutral","sentiment_score":0.01753794588148594}],"sentiment":"neutral","sentiment_score":0.20484645159116813,"num_words":7,"start":14.799999,"end":39.16},{"sentences":[{"text":"Sarah Jane Schembri.","start":39.22,"end":40.44,"sentiment":"neutral","sentiment_score":0.013702624787886938},{"text":"Seventeenth of eleventh seventy two.","start":40.579998,"end":43.015,"sentiment":"neutral","sentiment_score":0.020379652455449104},{"text":"Address, 17 Gairdner Lane, Mawson Lake, South Australia 5095.","start":43.074997,"end":47.655,"sentiment":"neutral","sentiment_score":0.03303034872644477},{"text":"Yeah.","start":52.434998,"end":52.934998,"sentiment":"neutral","sentiment_score":0.011487179435789583},{"text":"No.","start":53.555,"end":53.875,"sentiment":"neutral","sentiment_score":-0.03868525102734566}],"sentiment":"neutral","sentiment_score":0.02174111597828175,"num_words":19,"start":39.22,"end":53.875},{"sentences":[{"text":"Like, I'm on afternoon shift.","start":53.875,"end":55.574997,"sentiment":"neutral","sentiment_score":-0.029929794371128082},{"text":"So, yeah, I I'm a shift worker now.","start":55.635,"end":59.18,"sentiment":"neutral","sentiment_score":0.0009680621442385018},{"text":"So I'm on afternoon to where I work.","start":59.18,"end":61.18,"sentiment":"neutral","sentiment_score":0.01042236853390932},{"text":"Start at three, finish sort of anywhere up to midnight.","start":61.18,"end":64.479996,"sentiment":"neutral","sentiment_score":0.010689964145421981},{"text":"So yeah.","start":65.1,"end":66.0,"sentiment":"neutral","sentiment_score":0.016946852672845125}],"sentiment":"neutral","sentiment_score":0.002492964253619765,"num_words":33,"start":53.875,"end":66.0},{"sentences":[{"text":"Yeah.","start":66.54,"end":66.78,"sentiment":"neutral","sentiment_score":0.02038559317588806},{"text":"So it's kind of yeah.","start":66.78,"end":68.619995,"sentiment":"neutral","sentiment_score":0.0023541591595858335},{"text":"I woke up late today.","start":68.619995,"end":69.979996,"sentiment":"neutral","sentiment_score":-0.007328485697507858},{"text":"Not sometimes I wake up sort of by nine, but today it was, like, 10:00 and I was like, woah.","start":69.979996,"end":74.395004,"sentiment":"neutral","sentiment_score":-0.005942281894385814},{"text":"Yeah.","start":77.575,"end":78.075,"sentiment":"neutral","sentiment_score":0.022055942565202713}],"sentiment":"neutral","sentiment_score":-0.003164866713632364,"num_words":32,"start":66.54,"end":78.075},{"sentences":[{"text":"So that's right.","start":78.135,"end":79.575,"sentiment":"neutral","sentiment_score":0.04172212382157644},{"text":"Sometimes you need it.","start":79.575,"end":80.875,"sentiment":"neutral","sentiment_score":0.02813400886952877},{"text":"Yeah.","start":101.475,"end":101.715004,"sentiment":"neutral","sentiment_score":0.02252611145377159},{"text":"I guess this is kind of my first one since, you know, having everything set up.","start":101.715004,"end":106.835,"sentiment":"neutral","sentiment_score":0.02288582012988627},{"text":"So, you know, I'm just kind of gonna run with it and learn and then see see where where it goes, I suppose.","start":106.835,"end":115.235,"sentiment":"neutral","sentiment_score":0.03482174978631994}],"sentiment":"neutral","sentiment_score":0.030368125224684146,"num_words":47,"start":78.135,"end":115.235},{"sentences":[{"text":"Yeah.","start":115.235,"end":115.555,"sentiment":"neutral","sentiment_score":-0.04471347481012344},{"text":"I don't have anything sort of preplanned.","start":115.555,"end":118.03,"sentiment":"neutral","sentiment_score":-0.08145397741879735},{"text":"But yeah.","start":118.57,"end":119.13,"sentiment":"neutral","sentiment_score":-0.05385676026344299},{"text":"Just like obviously, I keep an update every now and then I have a look at my super balance.","start":119.13,"end":123.47,"sentiment":"neutral","sentiment_score":0.12880853994896538},{"text":"But yeah.","start":124.409996,"end":125.79,"sentiment":"neutral","sentiment_score":0.12260918319225311}],"sentiment":"neutral","sentiment_score":0.06354760606923411,"num_words":31,"start":115.235,"end":125.79},{"sentences":[{"text":"Just guided by you, really, for the moment.","start":126.409996,"end":130.11,"sentiment":"neutral","sentiment_score":0.12701612804085016},{"text":"Yeah.","start":133.105,"end":133.265,"sentiment":"neutral","sentiment_score":0.09017039835453032},{"text":"Yeah.","start":133.265,"end":133.765,"sentiment":"neutral","sentiment_score":0.08690959215164185},{"text":"Yeah.","start":135.025,"end":135.425,"sentiment":"neutral","sentiment_score":0.16316178441047668},{"text":"Absolutely.","start":135.425,"end":135.925,"sentiment":"neutral","sentiment_score":0.261063814163208}],"sentiment":"neutral","sentiment_score":0.1347862177838882,"num_words":12,"start":126.409996,"end":135.925},{"sentences":[{"text":"Yep.","start":151.95,"end":152.45,"sentiment":"neutral","sentiment_score":0.1165606826543808},{"text":"Yeah.","start":156.83,"end":157.07,"sentiment":"neutral","sentiment_score":0.12313640117645264},{"text":"No worries.","start":157.07,"end":157.73,"sentiment":"neutral","sentiment_score":0.10797665640711784},{"text":"Yeah.","start":168.315,"end":168.715,"sentiment":"neutral","sentiment_score":0.11057431995868684},{"text":"That's correct.","start":168.715,"end":169.53499,"sentiment":"neutral","sentiment_score":0.19602958112955093}],"sentiment":"neutral","sentiment_score":0.13689769698040827,"num_words":7,"start":151.95,"end":169.53499},{"sentences":[{"text":"So, yep, relationship's still the same.","start":169.595,"end":174.3,"sentiment":"neutral","sentiment_score":0.19602266947428384},{"text":"And, yeah, two kids, like I guess my son's, like, almost 20.","start":174.92,"end":179.66,"sentiment":"neutral","sentiment_score":0.08979281627883513},{"text":"But, yeah, like, they're still sort of living with me on one week on, one week off.","start":180.52,"end":185.31999,"sentiment":"neutral","sentiment_score":0.0249581713886822},{"text":"So, yeah.","start":185.31999,"end":186.875,"sentiment":"neutral","sentiment_score":0.08436913788318634},{"text":"Yep.","start":189.015,"end":189.515,"sentiment":"neutral","sentiment_score":0.1449141502380371}],"sentiment":"neutral","sentiment_score":0.07872608294220347,"num_words":38,"start":169.595,"end":189.515},{"sentences":[{"text":"Yeah.","start":189.735,"end":190.235,"sentiment":"neutral","sentiment_score":0.08739646524190903},{"text":"Some yeah.","start":190.935,"end":192.075,"sentiment":"neutral","sentiment_score":0.10440967231988907},{"text":"But I just don't have his school fees anymore, which is amazing.","start":193.735,"end":197.115,"sentiment":"neutral","sentiment_score":0.07137171489497025},{"text":"So just just my daughter's.","start":197.335,"end":199.115,"sentiment":"neutral","sentiment_score":0.06749716401100159},{"text":"Yeah.","start":199.41501,"end":199.91501,"sentiment":"neutral","sentiment_score":0.069485142827034}],"sentiment":"neutral","sentiment_score":0.07426892150016058,"num_words":21,"start":189.735,"end":199.91501},{"sentences":[{"text":"Yeah.","start":200.73,"end":201.23,"sentiment":"neutral","sentiment_score":0.10431961715221404},{"text":"Yeah.","start":205.13,"end":205.63,"sentiment":"neutral","sentiment_score":0.01153375394642353},{"text":"Yeah.","start":213.53,"end":214.03,"sentiment":"neutral","sentiment_score":0.004644953645765781},{"text":"I can't remember.","start":216.495,"end":217.635,"sentiment":"neutral","sentiment_score":-0.029562989870707195},{"text":"Was I in I think I was in a when I was talking to you, but was I in the admin role training?","start":217.935,"end":226.275,"sentiment":"neutral","sentiment_score":-0.021755875614674194}],"sentiment":"neutral","sentiment_score":-0.016157785655352575,"num_words":29,"start":200.73,"end":226.275},{"sentences":[{"text":"Can't yeah.","start":227.375,"end":229.18999,"sentiment":"neutral","sentiment_score":-0.03873685002326965},{"text":"So I think my salary was around the 80 k.","start":229.18999,"end":231.84999,"sentiment":"neutral","sentiment_score":-0.003341701254248619},{"text":"So, no, I've got another job since then.","start":233.34999,"end":235.93,"sentiment":"neutral","sentiment_score":-0.23015180137008429},{"text":"Still in the same company, but now I work out at the terminal where the trains are.","start":237.59,"end":242.62999,"sentiment":"neutral","sentiment_score":0.04158892876961652},{"text":"So my salary is I've had a really significant salary 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thing.","start":293.74,"end":303.76,"sentiment":"neutral","sentiment_score":0.020861522805306218},{"text":"So it's still an admin focused role, but just out at the terminal where the trains come and go, like arrive and depart trains and all 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high vis, but I'm literally in the office all day.","start":326.05002,"end":329.81,"sentiment":"neutral","sentiment_score":0.0050852401898457454},{"text":"Don't barely step away from the computer.","start":329.81,"end":332.07,"sentiment":"neutral","sentiment_score":-0.020675616871033396},{"text":"Yeah.","start":336.065,"end":336.30502,"sentiment":"neutral","sentiment_score":0.02806735411286354},{"text":"It was really challenging at first, and I did almost because I've never been a shift worker either.","start":336.30502,"end":342.70502,"sentiment":"neutral","sentiment_score":-0.1378321767681175},{"text":"So I'd it was challenging to learn, and I will admit that I was almost gonna throw it in and go back to training because they didn't want to lose me.","start":342.70502,"end":354.11,"sentiment":"neutral","sentiment_score":-0.18454788312796624}],"sentiment":"neutral","sentiment_score":-0.11789310571870633,"num_words":70,"start":326.05002,"end":354.11},{"sentences":[{"text":"But I pushed through, and I've come out the other side, and I'm definitely, like, financially better off.","start":354.65,"end":361.13,"sentiment":"neutral","sentiment_score":0.11534079909324646},{"text":"And, yeah, I actually so I work compressed hours.","start":361.13,"end":365.215,"sentiment":"neutral","sentiment_score":0.07249931101169851},{"text":"So, like, this week, I'll do Monday to Friday, three till midnight, but then I get Saturday, Sunday, Monday, Tuesday off.","start":365.215,"end":372.435,"sentiment":"neutral","sentiment_score":0.07024881900066421},{"text":"And then I go back next Wednesday, and I do seven day shift straight, but then I get five off.","start":373.055,"end":379.18,"sentiment":"neutral","sentiment_score":0.16523773409426212},{"text":"So I'm always having a four and five day 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correct.","start":430.105,"end":430.925,"sentiment":"neutral","sentiment_score":0.17396122217178345},{"text":"No.","start":437.01,"end":437.49,"sentiment":"neutral","sentiment_score":-0.2022771388292313}],"sentiment":"neutral","sentiment_score":0.10574547822276752,"num_words":6,"start":416.85,"end":437.49},{"sentences":[{"text":"I'm not.","start":437.49,"end":438.31,"sentiment":"neutral","sentiment_score":-0.1626979112625122},{"text":"That was something I was gonna talk to you about actually because now that now we're on this subject, that's a question, I suppose.","start":438.69,"end":446.47,"sentiment":"neutral","sentiment_score":-0.0847169818977515},{"text":"So I can I do I am able to salary sacrifice in the company, like, so I can do that with my super?","start":447.315,"end":455.89502,"sentiment":"neutral","sentiment_score":-0.018788326774602352},{"text":"Obviously, I've got my daughter in year 11 this 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school.","start":478.585,"end":487.52,"sentiment":"neutral","sentiment_score":0.033000057011290836},{"text":"He's finished now.","start":488.06,"end":489.26,"sentiment":"neutral","sentiment_score":0.029949522266785305}],"sentiment":"neutral","sentiment_score":-0.08547502540444073,"num_words":57,"start":464.53998,"end":489.26},{"sentences":[{"text":"So I've just got her, which is one more year left.","start":489.26,"end":494.06,"sentiment":"neutral","sentiment_score":0.047154242850162766},{"text":"So I've been used to sort of paying that.","start":494.06,"end":496.94,"sentiment":"neutral","sentiment_score":0.003342157022820579},{"text":"So I guess that's something I could potentially look at doing.","start":496.94,"end":501.12,"sentiment":"neutral","sentiment_score":0.07072371650825847},{"text":"Because, yeah, I think now's the age, right, that I really should start focusing on my 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rates.","start":544.49,"end":550.49,"sentiment":"neutral","sentiment_score":0.012338829834176146},{"text":"We do pay more than we need to, but the more they keep putting them up, like, we'll probably need to increase that as 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the sort of starting like, what sort of dollar value would we be talking to?","start":606.18,"end":613.06,"sentiment":"neutral","sentiment_score":0.015056337870191783},{"text":"Yeah.","start":613.06,"end":613.45996,"sentiment":"neutral","sentiment_score":0.026662198826670647}],"sentiment":"neutral","sentiment_score":0.032908594654873016,"num_words":20,"start":595.26495,"end":613.45996},{"sentences":[{"text":"Like, as a minimum.","start":613.45996,"end":615.48,"sentiment":"neutral","sentiment_score":0.058344537392258644},{"text":"Oh, okay.","start":617.90497,"end":618.645,"sentiment":"neutral","sentiment_score":0.05390333756804466},{"text":"Oh, okay.","start":624.225,"end":625.105,"sentiment":"neutral","sentiment_score":0.050554949790239334},{"text":"Yep.","start":625.105,"end":625.605,"sentiment":"neutral","sentiment_score":0.045812539756298065},{"text":"Yep.","start":626.305,"end":626.805,"sentiment":"neutral","sentiment_score":0.06384741514921188}],"sentiment":"neutral","sentiment_score":0.05519546791911125,"num_words":10,"start":613.45996,"end":626.805},{"sentences":[{"text":"Yep.","start":639.58997,"end":640.08997,"sentiment":"neutral","sentiment_score":0.008262387476861477},{"text":"Yep.","start":643.02997,"end":643.52997,"sentiment":"neutral","sentiment_score":0.03906320035457611},{"text":"Right.","start":650.685,"end":651.185,"sentiment":"neutral","sentiment_score":0.010294858366250992},{"text":"Yep.","start":675.375,"end":675.695,"sentiment":"neutral","sentiment_score":0.0993473455309868},{"text":"Yeah.","start":675.695,"end":675.935,"sentiment":"neutral","sentiment_score":0.05633331835269928}],"sentiment":"neutral","sentiment_score":0.04266022201627493,"num_words":5,"start":639.58997,"end":675.935},{"sentences":[{"text":"Yeah.","start":675.935,"end":676.09503,"sentiment":"neutral","sentiment_score":0.06022968515753746},{"text":"Yeah.","start":676.09503,"end":676.59503,"sentiment":"neutral","sentiment_score":0.09048070013523102},{"text":"But, like, if I started, yeah, started with a 100 a fortnight or something like that, I'm thinking I would barely notice it out of my pay, hopefully.","start":676.895,"end":685.875,"sentiment":"neutral","sentiment_score":0.008384276493286182},{"text":"Yep.","start":694.13,"end":694.63,"sentiment":"neutral","sentiment_score":0.2159889191389084},{"text":"Yeah.","start":708.57495,"end":708.735,"sentiment":"neutral","sentiment_score":0.13827279210090637}],"sentiment":"neutral","sentiment_score":0.023116619948268635,"num_words":32,"start":675.935,"end":708.735},{"sentences":[{"text":"Yeah.","start":708.735,"end":709.235,"sentiment":"neutral","sentiment_score":0.13891755044460297},{"text":"Yeah.","start":718.7,"end":719.2,"sentiment":"neutral","sentiment_score":0.06528230011463165},{"text":"Like, I'm just, yeah, I'm just thinking at least 100 a fortnight is better than nothing, and, hopefully, I won't notice that too much.","start":720.14,"end":730.065,"sentiment":"neutral","sentiment_score":0.06628163806938876},{"text":"So yeah.","start":730.305,"end":740.965,"sentiment":"neutral","sentiment_score":0.18389669060707092},{"text":"Yeah.","start":756.14,"end":756.64,"sentiment":"neutral","sentiment_score":0.08801401406526566}],"sentiment":"neutral","sentiment_score":0.07761263998289561,"num_words":29,"start":708.735,"end":756.64},{"sentences":[{"text":"Right.","start":756.94,"end":757.44,"sentiment":"neutral","sentiment_score":0.10325471311807632},{"text":"Yep.","start":770.125,"end":770.625,"sentiment":"positive","sentiment_score":0.5404849648475647},{"text":"I have seen it.","start":773.06,"end":774.26,"sentiment":"neutral","sentiment_score":0.008376671001315117},{"text":"Yeah.","start":774.26,"end":774.76,"sentiment":"positive","sentiment_score":0.36852121353149414},{"text":"Right.","start":786.42,"end":786.82,"sentiment":"neutral","sentiment_score":0.04083523899316788}],"sentiment":"neutral","sentiment_score":0.13582535181194544,"num_words":8,"start":756.94,"end":786.82},{"sentences":[{"text":"Okay.","start":786.82,"end":787.275,"sentiment":"neutral","sentiment_score":0.049705058336257935},{"text":"Yep.","start":791.835,"end":792.335,"sentiment":"neutral","sentiment_score":0.056350283324718475},{"text":"Yep.","start":793.435,"end":793.935,"sentiment":"neutral","sentiment_score":0.05540693923830986},{"text":"Yep.","start":795.195,"end":795.695,"sentiment":"neutral","sentiment_score":0.029895320534706116},{"text":"Yep.","start":799.835,"end":800.335,"sentiment":"neutral","sentiment_score":0.035118989646434784}],"sentiment":"neutral","sentiment_score":0.045295318216085435,"num_words":5,"start":786.82,"end":800.335},{"sentences":[{"text":"Huge difference.","start":800.875,"end":801.935,"sentiment":"neutral","sentiment_score":0.1631898134946823},{"text":"Yep.","start":801.995,"end":802.495,"sentiment":"neutral","sentiment_score":0.20167440176010132},{"text":"Yep.","start":809.36,"end":809.86,"sentiment":"neutral","sentiment_score":0.12438102811574936},{"text":"Yep.","start":810.32,"end":810.82,"sentiment":"neutral","sentiment_score":0.004185067024081945},{"text":"Yep.","start":816.0,"end":816.495,"sentiment":"neutral","sentiment_score":0.17200186848640442}],"sentiment":"neutral","sentiment_score":0.1381036653959503,"num_words":6,"start":800.875,"end":816.495},{"sentences":[{"text":"Yep.","start":822.335,"end":822.835,"sentiment":"neutral","sentiment_score":0.18716411292552948},{"text":"Yes.","start":841.09,"end":841.17004,"sentiment":"neutral","sentiment_score":0.11381949484348296},{"text":"Okay.","start":841.17004,"end":841.67004,"sentiment":"neutral","sentiment_score":0.11917266249656676},{"text":"I mean, ideally, that would be nice, but it really depends on like I said, the biggest factor for us is we have a mortgage.","start":851.575,"end":861.17,"sentiment":"neutral","sentiment_score":-0.0055516592413187025},{"text":"So yeah.","start":861.55,"end":863.33,"sentiment":"neutral","sentiment_score":0.0250699482858181}],"sentiment":"neutral","sentiment_score":0.011050156193474929,"num_words":30,"start":822.335,"end":863.33},{"sentences":[{"text":"You know, if, ideally, if we can get that paid off, then yeah.","start":865.31,"end":869.79004,"sentiment":"neutral","sentiment_score":0.03286446831547297},{"text":"But if not, maybe another few years.","start":869.79004,"end":872.37,"sentiment":"neutral","sentiment_score":-0.05102959208722625},{"text":"So yeah.","start":872.855,"end":875.675,"sentiment":"neutral","sentiment_score":0.022779486142098904},{"text":"Fortnightly.","start":879.57495,"end":880.07495,"sentiment":"neutral","sentiment_score":0.02848212420940399},{"text":"So fortnightly, and we've both got money in in the offset.","start":880.855,"end":887.37,"sentiment":"neutral","sentiment_score":0.21795676039023834}],"sentiment":"neutral","sentiment_score":0.07475283541990553,"num_words":34,"start":865.31,"end":887.37},{"sentences":[{"text":"So we refinanced our mortgage in January this year, went back to a bank that I used to work for.","start":887.37,"end":895.45,"sentiment":"neutral","sentiment_score":0.14411382060498},{"text":"They called me.","start":895.45,"end":896.51,"sentiment":"neutral","sentiment_score":0.11643638213475545},{"text":"So we were on a pretty alright deal, but then they've put interest rates up since then.","start":896.65,"end":902.555,"sentiment":"neutral","sentiment_score":0.09453797893708243},{"text":"So but we have now because it was where we do all our banking as well, we were able to utilize an offset account, and that's probably making a huge difference which we didn't have 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us.","start":942.16003,"end":943.22003,"sentiment":"neutral","sentiment_score":0.031152645125985146},{"text":"So he's me about 56 at the moment.","start":943.76,"end":952.515,"sentiment":"neutral","sentiment_score":0.008041456108912826}],"sentiment":"neutral","sentiment_score":0.05113965797309692,"num_words":65,"start":918.08,"end":952.515},{"sentences":[{"text":"Thousand.","start":953.055,"end":953.555,"sentiment":"neutral","sentiment_score":0.1743398159742355},{"text":"Yeah.","start":963.39,"end":963.79,"sentiment":"neutral","sentiment_score":0.047278422862291336},{"text":"We've got heaps of equity.","start":963.79,"end":965.41,"sentiment":"neutral","sentiment_score":0.05732327476143837},{"text":"Like, heaps.","start":965.71,"end":966.69,"sentiment":"neutral","sentiment_score":0.06307082064449787},{"text":"Yeah.","start":967.07,"end":967.47003,"sentiment":"neutral","sentiment_score":0.04494340345263481}],"sentiment":"neutral","sentiment_score":0.06793196573853492,"num_words":10,"start":953.055,"end":967.47003},{"sentences":[{"text":"So the house is probably worth about 800 at the moment.","start":967.47003,"end":972.45,"sentiment":"neutral","sentiment_score":0.041457272388718346},{"text":"That's being conservative.","start":972.59,"end":973.73,"sentiment":"neutral","sentiment_score":0.04414032896359762},{"text":"And I think we owe about 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bills, and we've got that's an offset as well, which has got about $10 in it.","start":1003.27997,"end":1012.84503,"sentiment":"neutral","sentiment_score":0.03970035784427197},{"text":"So between us, we've got a 100,000 sitting in an offset 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car.","start":1135.0299,"end":1136.7899,"sentiment":"neutral","sentiment_score":-0.017877059429883956},{"text":"That's all still the 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end.","start":3305.1,"end":3305.9001,"sentiment":"neutral","sentiment_score":0.1116666669646899},{"text":"I've got nothing else after this one.","start":3305.9001,"end":3308.0,"sentiment":"neutral","sentiment_score":-0.07862204845462527},{"text":"I don't think.","start":3309.4202,"end":3310.2202,"sentiment":"neutral","sentiment_score":-0.2080799788236618},{"text":"Unless it's got here click to start, and I think I've gotta sign up.","start":3310.2202,"end":3314.4802,"sentiment":"neutral","sentiment_score":-0.0524542299764497},{"text":"Oh, okay.","start":3319.955,"end":3320.615,"sentiment":"neutral","sentiment_score":0.13974935933947563}],"sentiment":"neutral","sentiment_score":-0.04463637157760818,"num_words":29,"start":3305.1,"end":3320.615},{"sentences":[{"text":"Do I hit click to start to do that?","start":3323.875,"end":3326.135,"sentiment":"neutral","sentiment_score":0.08838046424918705},{"text":"I think yep.","start":3326.435,"end":3327.4949,"sentiment":"neutral","sentiment_score":0.1371420125166575},{"text":"Okay.","start":3329.57,"end":3330.07,"sentiment":"neutral","sentiment_score":0.168303444981575},{"text":"So you've got my oh, yep.","start":3330.1301,"end":3334.47,"sentiment":"neutral","sentiment_score":0.18943021694819132},{"text":"Fine.","start":3334.77,"end":3335.27,"sentiment":"neutral","sentiment_score":0.24012403190135956}],"sentiment":"neutral","sentiment_score":0.13759294971823693,"num_words":20,"start":3323.875,"end":3335.27},{"sentences":[{"text":"Okay.","start":3344.105,"end":3344.605,"sentiment":"neutral","sentiment_score":0.05933956429362297},{"text":"Yep.","start":3348.505,"end":3349.005,"sentiment":"neutral","sentiment_score":0.03911306709051132},{"text":"Sure.","start":3353.385,"end":3353.885,"sentiment":"neutral","sentiment_score":0.13165323436260223},{"text":"Yep.","start":3354.105,"end":3354.605,"sentiment":"neutral","sentiment_score":0.08360891044139862},{"text":"Is that, like, 175650296?","start":3359.63,"end":3363.55,"sentiment":"neutral","sentiment_score":0.015907945577055216}],"sentiment":"neutral","sentiment_score":0.0471683198120445,"num_words":8,"start":3344.105,"end":3363.55},{"sentences":[{"text":"Should I hit?","start":3363.55,"end":3364.53,"sentiment":"neutral","sentiment_score":0.006263332131008307},{"text":"Was it 175650296?","start":3371.685,"end":3375.0652,"sentiment":"neutral","sentiment_score":0.009191308170557022},{"text":"The tax phone number.","start":3378.645,"end":3379.685,"sentiment":"neutral","sentiment_score":0.031100360210984945},{"text":"Yeah.","start":3379.685,"end":3380.185,"sentiment":"neutral","sentiment_score":0.11117738485336304},{"text":"It wanted me to put it in, and I've just typed it.","start":3380.725,"end":3392.42,"sentiment":"neutral","sentiment_score":0.08584883498648803}],"sentiment":"neutral","sentiment_score":0.05704907680173283,"num_words":23,"start":3363.55,"end":3392.42},{"sentences":[{"text":"Oh, okay.","start":3392.42,"end":3393.4,"sentiment":"neutral","sentiment_score":0.038870099000632756},{"text":"1 176 yeah.","start":3393.62,"end":3396.26,"sentiment":"neutral","sentiment_score":0.014026778750121593},{"text":"Okay.","start":3396.26,"end":3396.58,"sentiment":"neutral","sentiment_score":0.00379817746579647},{"text":"It's very faint, but it's like 175 the I can see it there, but it's just like if I go next, fill in.","start":3396.58,"end":3406.835,"sentiment":"neutral","sentiment_score":0.004449848394395541},{"text":"Yeah.","start":3408.0151,"end":3408.335,"sentiment":"neutral","sentiment_score":0.07516898214817047}],"sentiment":"neutral","sentiment_score":0.010037806897889823,"num_words":30,"start":3392.42,"end":3408.335},{"sentences":[{"text":"It's just oh my gosh.","start":3408.335,"end":3413.31,"sentiment":"neutral","sentiment_score":0.03146496005356312},{"text":"What's happening?","start":3413.31,"end":3413.95,"sentiment":"neutral","sentiment_score":-0.07689863070845604},{"text":"I'm losing it on the screen.","start":3413.95,"end":3415.41,"sentiment":"neutral","sentiment_score":-0.24763810137907663},{"text":"Yeah.","start":3425.955,"end":3426.455,"sentiment":"neutral","sentiment_score":0.10791579633951189},{"text":"Which I've signed.","start":3428.995,"end":3430.215,"sentiment":"neutral","sentiment_score":0.043940041214227676}],"sentiment":"neutral","sentiment_score":-0.07309206761419773,"num_words":17,"start":3408.335,"end":3430.215},{"sentences":[{"text":"I've put the date, and now I'm just, like, not being able to get to the next screen.","start":3430.5151,"end":3439.0151,"sentiment":"neutral","sentiment_score":-0.08124316038770808},{"text":"Oh, gosh.","start":3440.195,"end":3440.82,"sentiment":"neutral","sentiment_score":0.01733925100415945},{"text":"Okay.","start":3450.02,"end":3450.52,"sentiment":"neutral","sentiment_score":0.01258642878383398},{"text":"So if I just put a dot in the tax file number Yep.","start":3453.655,"end":3463.3352,"sentiment":"neutral","sentiment_score":0.02879731049044774},{"text":"Oh, yeah.","start":3463.3352,"end":3464.0552,"sentiment":"neutral","sentiment_score":0.012070594355463982}],"sentiment":"neutral","sentiment_score":-0.028239048086106777,"num_words":36,"start":3430.5151,"end":3464.0552},{"sentences":[{"text":"Now it's going next document.","start":3464.0552,"end":3465.5151,"sentiment":"neutral","sentiment_score":0.023041905462741853},{"text":"Yep.","start":3465.655,"end":3466.155,"sentiment":"neutral","sentiment_score":0.09233012050390244},{"text":"It's like going.","start":3467.655,"end":3468.5552,"sentiment":"neutral","sentiment_score":0.31275007128715515},{"text":"Yep.","start":3469.35,"end":3469.51,"sentiment":"positive","sentiment_score":0.5470006465911865},{"text":"Okay.","start":3469.51,"end":3470.01,"sentiment":"positive","sentiment_score":0.33820754289627075}],"sentiment":"neutral","sentiment_score":0.18463618646968494,"num_words":11,"start":3464.0552,"end":3470.01},{"sentences":[{"text":"Yeah.","start":3471.11,"end":3471.61,"sentiment":"neutral","sentiment_score":0.15093249082565308},{"text":"Okay.","start":3472.55,"end":3473.05,"sentiment":"neutral","sentiment_score":0.07489441335201263},{"text":"Yeah.","start":3476.55,"end":3477.05,"sentiment":"neutral","sentiment_score":0.09489230811595915},{"text":"It says, like, one one of three or something.","start":3477.9902,"end":3482.055,"sentiment":"neutral","sentiment_score":0.07133185159828928},{"text":"Page one of three.","start":3483.235,"end":3484.455,"sentiment":"neutral","sentiment_score":0.02886972576379776}],"sentiment":"neutral","sentiment_score":0.06738654873333871,"num_words":16,"start":3471.11,"end":3484.455},{"sentences":[{"text":"Yeah.","start":3484.5151,"end":3485.0151,"sentiment":"neutral","sentiment_score":0.07224862277507782},{"text":"Yep.","start":3485.155,"end":3485.555,"sentiment":"neutral","sentiment_score":0.1015813872218132},{"text":"And then the very end one.","start":3485.555,"end":3487.095,"sentiment":"neutral","sentiment_score":0.059087288255492844},{"text":"So now go signature and dates.","start":3487.315,"end":3490.855,"sentiment":"neutral","sentiment_score":0.0784477237612009},{"text":"Yep.","start":3498.3901,"end":3498.8901,"sentiment":"positive","sentiment_score":0.3630855083465576}],"sentiment":"neutral","sentiment_score":0.09080837269624074,"num_words":15,"start":3484.5151,"end":3498.8901},{"sentences":[{"text":"Yep.","start":3505.19,"end":3505.69,"sentiment":"positive","sentiment_score":0.37639182806015015},{"text":"Mhmm.","start":3512.035,"end":3512.535,"sentiment":"positive","sentiment_score":0.48144400119781494},{"text":"Yep.","start":3515.795,"end":3516.295,"sentiment":"neutral","sentiment_score":0.19684956967830655},{"text":"No worries.","start":3530.2,"end":3531.02,"sentiment":"neutral","sentiment_score":0.26976175606250763},{"text":"So I just hit validate and send.","start":3531.72,"end":3534.14,"sentiment":"neutral","sentiment_score":0.18165760806628636}],"sentiment":"neutral","sentiment_score":0.23881768062710762,"num_words":12,"start":3505.19,"end":3534.14},{"sentences":[{"text":"Okay.","start":3534.655,"end":3535.155,"sentiment":"neutral","sentiment_score":0.19778737425804135},{"text":"Yep.","start":3549.7751,"end":3550.23,"sentiment":"neutral","sentiment_score":0.25898200273513794},{"text":"Yep.","start":3566.425,"end":3566.925,"sentiment":"positive","sentiment_score":0.44012588262557983},{"text":"Yep.","start":3582.48,"end":3582.98,"sentiment":"neutral","sentiment_score":0.09157472848892212},{"text":"What sort of time frame would you okay.","start":3583.92,"end":3591.39,"sentiment":"neutral","sentiment_score":0.036384322913363576}],"sentiment":"neutral","sentiment_score":0.10662871428454916,"num_words":12,"start":3534.655,"end":3591.39},{"sentences":[{"text":"Let me so so Wednesday, Thursday next week, I'm on day 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afternoon.","start":3612.49,"end":3614.1099,"sentiment":"neutral","sentiment_score":0.07704078778624535},{"text":"Yep.","start":3614.41,"end":3614.91,"sentiment":"neutral","sentiment_score":0.10149307548999786},{"text":"Yep.","start":3618.89,"end":3619.39,"sentiment":"neutral","sentiment_score":0.09082385152578354},{"text":"Yep.","start":3621.615,"end":3622.115,"sentiment":"neutral","sentiment_score":0.06284433603286743}],"sentiment":"neutral","sentiment_score":0.0791424997150898,"num_words":11,"start":3612.25,"end":3622.115},{"sentences":[{"text":"04:00.","start":3641.3398,"end":3642.0798,"sentiment":"neutral","sentiment_score":0.018959805369377136},{"text":"Yeah.","start":3646.2998,"end":3646.7998,"sentiment":"neutral","sentiment_score":0.08766951411962509},{"text":"Yep.","start":3647.18,"end":3647.535,"sentiment":"neutral","sentiment_score":0.13467548787593842},{"text":"Yep.","start":3649.055,"end":3649.555,"sentiment":"neutral","sentiment_score":0.042463965713977814},{"text":"Yep.","start":3650.015,"end":3650.515,"sentiment":"neutral","sentiment_score":0.02792668715119362}],"sentiment":"neutral","sentiment_score":0.062339092046022414,"num_words":5,"start":3641.3398,"end":3650.515},{"sentences":[{"text":"That's fine.","start":3650.7349,"end":3651.635,"sentiment":"neutral","sentiment_score":0.026972252875566483},{"text":"Yeah.","start":3651.775,"end":3652.255,"sentiment":"neutral","sentiment_score":0.036240436136722565},{"text":"Yeah.","start":3652.255,"end":3652.755,"sentiment":"neutral","sentiment_score":0.034214429557323456},{"text":"No.","start":3652.815,"end":3653.055,"sentiment":"neutral","sentiment_score":0.03863677754998207},{"text":"That's fine.","start":3653.055,"end":3653.795,"sentiment":"neutral","sentiment_score":0.11580859869718552}],"sentiment":"neutral","sentiment_score":0.05637904948421887,"num_words":7,"start":3650.7349,"end":3653.795},{"sentences":[{"text":"Yep.","start":3658.9749,"end":3659.4749,"sentiment":"neutral","sentiment_score":0.051315806806087494},{"text":"Yeah.","start":3661.775,"end":3662.095,"sentiment":"neutral","sentiment_score":0.040387071669101715},{"text":"I know.","start":3662.095,"end":3662.6748,"sentiment":"neutral","sentiment_score":0.044026538729667664},{"text":"Yep.","start":3663.06,"end":3663.56,"sentiment":"neutral","sentiment_score":0.08132640272378922},{"text":"Yep.","start":3669.4727,"end":3669.9727,"sentiment":"neutral","sentiment_score":-0.06922920048236847}],"sentiment":"neutral","sentiment_score":0.03197552636265755,"num_words":6,"start":3658.9749,"end":3669.9727},{"sentences":[{"text":"Yeah.","start":3688.525,"end":3688.845,"sentiment":"neutral","sentiment_score":0.006446707062423229},{"text":"No worries.","start":3688.845,"end":3689.55,"sentiment":"neutral","sentiment_score":-0.00603128597140312},{"text":"Should be right.","start":3689.71,"end":3691.1501,"sentiment":"neutral","sentiment_score":-0.07796712343891461},{"text":"Yeah.","start":3691.1501,"end":3691.3901,"sentiment":"neutral","sentiment_score":0.03768931329250336},{"text":"We don't you know, I'd hand over to someone.","start":3691.3901,"end":3694.85,"sentiment":"neutral","sentiment_score":-0.0483272195690208}],"sentiment":"neutral","sentiment_score":-0.03979830612661317,"num_words":16,"start":3688.525,"end":3694.85},{"sentences":[{"text":"So yeah.","start":3694.9102,"end":3695.73,"sentiment":"neutral","sentiment_score":0.02886558137834072},{"text":"Would only be if they call in sick and they say, oh, can you stay a bit longer?","start":3696.03,"end":3699.71,"sentiment":"neutral","sentiment_score":-0.13643402109543482},{"text":"But hopefully not.","start":3699.71,"end":3701.25,"sentiment":"neutral","sentiment_score":-0.16122358540693918},{"text":"Yep.","start":3709.955,"end":3710.455,"sentiment":"neutral","sentiment_score":0.03346053510904312},{"text":"No.","start":3713.475,"end":3713.975,"sentiment":"neutral","sentiment_score":-0.0759069100022316}],"sentiment":"neutral","sentiment_score":-0.11696793392300606,"num_words":25,"start":3694.9102,"end":3713.975},{"sentences":[{"text":"No.","start":3714.675,"end":3714.995,"sentiment":"neutral","sentiment_score":-0.07021594047546387},{"text":"All good.","start":3714.995,"end":3715.395,"sentiment":"neutral","sentiment_score":0.26647916436195374},{"text":"I think we've covered them along the way.","start":3715.395,"end":3717.235,"sentiment":"neutral","sentiment_score":0.23774037696421146},{"text":"Yep.","start":3717.235,"end":3717.735,"sentiment":"neutral","sentiment_score":0.13809216022491455},{"text":"Yep.","start":3733.79,"end":3734.235,"sentiment":"neutral","sentiment_score":0.22868159413337708}],"sentiment":"neutral","sentiment_score":0.21011070448618668,"num_words":13,"start":3714.675,"end":3734.235},{"sentences":[{"text":"Lovely.","start":3740.235,"end":3740.5552,"sentiment":"positive","sentiment_score":0.7377403378486633},{"text":"Sounds good.","start":3740.5552,"end":3741.375,"sentiment":"positive","sentiment_score":0.7333841025829315},{"text":"Awesome.","start":3743.115,"end":3743.615,"sentiment":"positive","sentiment_score":0.744343638420105},{"text":"Yep.","start":3743.8352,"end":3744.3352,"sentiment":"positive","sentiment_score":0.4624957740306854},{"text":"Thank you.","start":3748.077,"end":3748.8171,"sentiment":"positive","sentiment_score":0.5943778455257416}],"sentiment":"positive","sentiment_score":0.6571576637881142,"num_words":7,"start":3740.235,"end":3748.8171},{"sentences":[{"text":"See you.","start":3750.157,"end":3750.637,"sentiment":"neutral","sentiment_score":0.23364460468292236},{"text":"Bye.","start":3750.637,"end":3751.137,"sentiment":"neutral","sentiment_score":0.14205771684646606}],"sentiment":"neutral","sentiment_score":0.20311564207077026,"num_words":3,"start":3750.157,"end":3751.137}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Sarah speaking.\n\nChannel 0: Good morning. This is Veronica from ICU Financial. How are you?\n\nChannel 1: Good. How are you?\n\nChannel 0: I am good. Thanks.\n\nChannel 1: That's good.\n\nChannel 0: I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Ah, yes. It is. Thanks.\n\nChannel 0: Yeah. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. And just for security purposes so that I can confirm I am speaking with the right person, could I just get you to confirm your full name and date of birth and address for me, please?\n\nChannel 1: Yep. Sarah Jane Schembri. Seventeenth of eleventh seventy two. Address, 17 Gairdner Lane, Mawson Lake, South Australia 5095.\n\nChannel 0: Perfect. That's exactly what I have here. And how's your morning been? Been busy?\n\nChannel 1: Yeah. No. Like, I'm on afternoon shift. So, yeah, I I'm a shift worker now. So I'm on afternoon to where I work.\n\nStart at three, finish sort of anywhere up to midnight.\n\nChannel 0: Oh,\n\nChannel 1: So yeah.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Did\n\nChannel 1: So\n\nChannel 0: you wake\n\nChannel 1: it's kind\n\nChannel 0: up late\n\nChannel 1: of\n\nChannel 0: yesterday?\n\nChannel 1: yeah. I woke up late today. Not sometimes I wake up sort of by nine, but today it was, like, 10:00 and I was like, woah.\n\nChannel 0: That's okay. Sometimes\n\nChannel 1: Yeah. So\n\nChannel 0: you need.\n\nChannel 1: that's right. Sometimes you need it.\n\nChannel 0: That's right. Now before I kind of jump into things there with you, I do normally like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus a little bit more on or just a bit of an update to kind of see where everything's at?\n\nChannel 1: Yeah. I guess this is kind of my first one since, you know, having everything set up. So,\n\nChannel 0: Yeah.\n\nChannel 1: you know, I'm just kind of gonna run with it and\n\nChannel 0: Yeah.\n\nChannel 1: learn and then see see where where it goes, I suppose. Yeah. I don't\n\nChannel 0: Yeah.\n\nChannel 1: have anything sort of preplanned. But yeah.\n\nChannel 0: No.\n\nChannel 1: Just like obviously, I keep an update every now\n\nChannel 0: Yes.\n\nChannel 1: and then I have a look at my super balance. But yeah. Just guided by you, really,\n\nChannel 0: Yeah.\n\nChannel 1: for\n\nChannel 0: Well,\n\nChannel 1: the\n\nChannel 0: if\n\nChannel 1: moment.\n\nChannel 0: you do think if you do think of any particular questions as we go through,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: obviously, just let me know.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: But, otherwise, the first thing I do like to kind of run through, it is just a bit of an updated fact find just to see what kind of you know, if there's anything major that has changed in your life and if you need to make any tweaks and changes to your advice as a result.\n\nChannel 1: Yep.\n\nChannel 0: So just bear with me as I kind of go through this information.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Now when it comes to your personal details, I have you here in a de facto relationship and two financial dependents. Is that correct?\n\nChannel 1: Yeah. That's correct. So, yep, relationship's still the same.\n\nChannel 0: Yep.\n\nChannel 1: And, yeah, two kids, like I guess my son's, like, almost 20.\n\nChannel 0: Yep. Yep.\n\nChannel 1: But, yeah, like, they're still sort of living with me on one week on, one week off. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Okay. Perfect. So still kind of obviously relying on\n\nChannel 1: Yep.\n\nChannel 0: you for\n\nChannel 1: Yeah.\n\nChannel 0: some financial support.\n\nChannel 1: Some\n\nChannel 0: Yep. Perfect.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. No. That's weird.\n\nChannel 1: But I just don't have his school fees anymore, which is amazing. So\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: I\n\nChannel 1: just\n\nChannel 0: can\n\nChannel 1: my\n\nChannel 0: imagine.\n\nChannel 1: daughter's. Yeah. Yeah.\n\nChannel 0: Takes a little little pressure off anyway, especially with all the living expenses and everything\n\nChannel 1: Yeah.\n\nChannel 0: nowadays. Now occupation wise, obviously, I know you're doing a shift work now. Are\n\nChannel 1: Yeah.\n\nChannel 0: you still doing the same type of role, though, or is\n\nChannel 1: I\n\nChannel 0: it different?\n\nChannel 1: can't remember. Was I in I think I was in a when I was\n\nChannel 0: Yes.\n\nChannel 1: talking to you, but was I in the admin role training?\n\nChannel 0: Yes. Training\n\nChannel 1: Can't\n\nChannel 0: and development.\n\nChannel 1: yeah. So I think my\n\nChannel 0: Yes.\n\nChannel 1: salary was around the 80 k.\n\nChannel 0: Yes. Correct.\n\nChannel 1: So, no, I've got another job since then.\n\nChannel 0: Mhmm.\n\nChannel 1: Still in the same company,\n\nChannel 0: Yep.\n\nChannel 1: but now I work out at the terminal where the trains are. So my salary is I've had a really significant salary increase. So\n\nChannel 0: Oh, nice. Yeah.\n\nChannel 1: so I was on I think it was it worked out to be just under 80 k plus super.\n\nChannel 0: Yes.\n\nChannel 1: Now I'm on a 116 plus super. So\n\nChannel 0: Oh, wow.\n\nChannel 1: hence,\n\nChannel 0: That's\n\nChannel 1: why\n\nChannel 0: nice.\n\nChannel 1: my super contributions should have been up\n\nChannel 0: Yes.\n\nChannel 1: a fair bit.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. So that's good. Now what's your title at the moment? Is it still training and development, or\n\nChannel 1: No.\n\nChannel 0: is it different?\n\nChannel 1: It's terminal logistics specialist.\n\nChannel 0: And do you work predominantly on the terminal, or would you ever, like,\n\nChannel 1: So\n\nChannel 0: step\n\nChannel 1: I'm at\n\nChannel 0: off\n\nChannel 1: the\n\nChannel 0: the tracks?\n\nChannel 1: I'm I'm still computer based,\n\nChannel 0: Okay. Yep.\n\nChannel 1: so I'm not, like, out interfacing with the trains or anything. I actually\n\nChannel 0: Yep.\n\nChannel 1: am the one that plans the freight to go on and builds the consists for the train drivers and deals\n\nChannel 0: Yes.\n\nChannel 1: with all the customer container issues\n\nChannel 0: Mhmm.\n\nChannel 1: sort of thing. So it's still an admin focused\n\nChannel 0: Okay. Good.\n\nChannel 1: role, but just out\n\nChannel 0: Yep.\n\nChannel 1: at the terminal where the trains come and go, like arrive\n\nChannel 0: Yep.\n\nChannel 1: and depart trains and all that.\n\nChannel 0: Yep. Okay. Perfect. And still working full time?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Yep. Okay. Perfect. But, basically, a 100% office\n\nChannel 1: Yep.\n\nChannel 0: based for you,\n\nChannel 1: Yeah.\n\nChannel 0: like, your\n\nChannel 1: Yeah.\n\nChannel 0: role. Yeah.\n\nChannel 1: Yeah. Yeah. I'm I'm in high vis, but I'm literally\n\nChannel 0: Mhmm.\n\nChannel 1: in the office all day. Don't barely step away from the computer.\n\nChannel 0: Yeah. No. And are you liking it so far?\n\nChannel 1: Yeah. It was really\n\nChannel 0: Yeah?\n\nChannel 1: challenging at first, and I did almost because I've never been a shift worker either. So I'd it was challenging to learn, and I will admit that I was almost gonna throw it in and go back to training because they didn't want to lose me. But I pushed through, and I've come out the other side, and I'm definitely, like, financially better off. And,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I actually so I work compressed hours. So, like, this week, I'll do Monday to Friday, three till midnight, but then I get Saturday, Sunday, Monday, Tuesday off.\n\nChannel 0: Mhmm. Oh,\n\nChannel 1: And\n\nChannel 0: that's nice.\n\nChannel 1: then I go back next Wednesday, and I do seven day shift straight, but then I get five off. So I'm\n\nChannel 0: Oh, okay.\n\nChannel 1: always having a four and five day weekend. So,\n\nChannel 0: Oh,\n\nChannel 1: yeah,\n\nChannel 0: that's\n\nChannel 1: I'm\n\nChannel 0: nice.\n\nChannel 1: I'm kinda hoping I can see this through till retirement if that makes sense.\n\nChannel 0: Yeah. No. It does. And it might be a good opportunity as well to kind of obviously, with the the changing your income, obviously, having more contributions going in just to kind of do just a bit of an updated assessment on your superannuation\n\nChannel 1: Yep.\n\nChannel 0: as well\n\nChannel 1: Yep.\n\nChannel 0: just to kind of see, okay. Well, obviously, where you are at right now,\n\nChannel 1: Yep.\n\nChannel 0: that should obviously boost everything for your super to kind of give you a bit of an update on, you know, where\n\nChannel 1: Yep.\n\nChannel 0: everything's\n\nChannel 1: Yep.\n\nChannel 0: on track with the changes, which is which is really\n\nChannel 1: Yeah.\n\nChannel 0: good. Now they still pay you that standard 12% contribution. Like, that hasn't changed. It's the same employer, so I presume it's the same.\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Yep. Yep. Perfect. And are you doing any salary sacrifice or additional contributions yourself?\n\nChannel 1: No. I'm not.\n\nChannel 0: Nope.\n\nChannel 1: That was something I was gonna talk to you about actually because now that now we're on this subject, that's a question, I suppose. So I can I do I am able to salary sacrifice in\n\nChannel 0: Mhmm.\n\nChannel 1: the company, like, so I can do that with my super?\n\nChannel 0: Yep.\n\nChannel 1: Obviously, I've got my daughter in year 11 this year. So next year, she's year 12. So it'll be her\n\nChannel 0: Mhmm.\n\nChannel 1: last year that I'm paying school fees, which is quite a significant\n\nChannel 0: Yeah.\n\nChannel 1: drop. Like, I'll have more disposable income available to me. Yeah. So, I mean, I was paying sort of 10,000 a year when my son and her well, over 10,000 a year when they were both at school. He's finished now.\n\nSo I've just got her,\n\nChannel 0: Yep.\n\nChannel 1: which is one more year left. So I've been used to sort of paying that. So I guess that's something I could potentially look at doing.\n\nChannel 0: Mhmm.\n\nChannel 1: Because,\n\nChannel 0: And\n\nChannel 1: yeah, I think now's the age, right, that I really should\n\nChannel 0: would\n\nChannel 1: start focusing on my super.\n\nChannel 0: and it does all compound, and, you know, it does make a big difference. The only\n\nChannel 1: Yep.\n\nChannel 0: thing, obviously, is cash flow wise. So would that be something you'd be interested in, like, doing now, or would you wanna hold off until your daughter like, you don't\n\nChannel 1: Yeah.\n\nChannel 0: have to pay those school school\n\nChannel 1: Maybe\n\nChannel 0: fees as well?\n\nChannel 1: maybe we'll look at it this time next\n\nChannel 0: Mhmm.\n\nChannel 1: year\n\nChannel 0: Yep.\n\nChannel 1: because definitely, this time next year, I would\n\nChannel 0: Yep.\n\nChannel 1: like literally only be you know, I'd only have a few months left or six\n\nChannel 0: Yes.\n\nChannel 1: months left of her payment. So yeah.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: And,\n\nChannel 0: I'll make\n\nChannel 1: obviously,\n\nChannel 0: a little\n\nChannel 1: like,\n\nChannel 0: note.\n\nChannel 1: Pete\n\nChannel 0: Mhmm.\n\nChannel 1: and I still have a mortgage as well, and you just don't\n\nChannel 0: Yep.\n\nChannel 1: know what's going on with interest rates. We do pay more\n\nChannel 0: Exactly.\n\nChannel 1: than we need to, but the more they\n\nChannel 0: Yep.\n\nChannel 1: keep putting them up, like,\n\nChannel 0: Yeah.\n\nChannel 1: we'll probably need to increase that as\n\nChannel 0: Mhmm. Yes. Yep. Okay. Perfect.\n\nWell, I'll make a little note to reassess it,\n\nChannel 1: well.\n\nChannel 0: and that's a good idea as well. And then we can, you know, when when you are ready, when we have a look at it next year,\n\nChannel 1: Yep.\n\nChannel 0: we can then\n\nChannel 1: Yep.\n\nChannel 0: put together a bit of a proposal. So whether you you go, okay. Well, I'm happy to start looking at, let's say,\n\nChannel 1: Yep.\n\nChannel 0: $50 a week\n\nChannel 1: Yep.\n\nChannel 0: or whatever it might be, then we can run all the numbers for you to be like, okay. Well, this is how it will impact your take home pay because it comes out pretax. So it does save you a little bit in tax, which is great. And\n\nChannel 1: Yep.\n\nChannel 0: then this is how much extra is boosting your superannuation to give you that kind of\n\nChannel 1: Yep.\n\nChannel 0: full, and then you can see, okay. Well, that's pretty doable. Or, oh, actually, I could do a little bit more, or maybe I wanna start with a little bit less and then always adjust\n\nChannel 1: Yep.\n\nChannel 0: as there are\n\nChannel 1: Yep.\n\nChannel 0: some.\n\nChannel 1: What's the sort of starting like, what sort of dollar value would we\n\nChannel 0: Amount,\n\nChannel 1: be talking to? Yeah. Like,\n\nChannel 0: you you could\n\nChannel 1: as\n\nChannel 0: literally\n\nChannel 1: a minimum.\n\nChannel 0: do anything you want because it's\n\nChannel 1: Oh,\n\nChannel 0: like\n\nChannel 1: okay.\n\nChannel 0: it's a so you you could you could literally go to your employer and be, I wanna do a dollar a week. Like, you could do\n\nChannel 1: Oh,\n\nChannel 0: whatever\n\nChannel 1: okay.\n\nChannel 0: amount you\n\nChannel 1: Yep.\n\nChannel 0: want to, and\n\nChannel 1: Yep.\n\nChannel 0: you can change it. The only thing is that there is an upper limit because salary sacrifice and employer contributions together forms part of something that's called concessional contribution cap.\n\nChannel 1: Yep.\n\nChannel 0: So, like, the pre the pretax. So\n\nChannel 1: Yep.\n\nChannel 0: at the moment, that has increased with this financial year, which is good, but the cap is 32,500. So what you\n\nChannel 1: Right.\n\nChannel 0: don't necessarily want to do unless you have available carry forward from previous financial years. So, basically, what they do is that if you have unused space, basically, from previous way where you haven't used up everything, there are different strategies we can do to make previous year's contributions to catch up. It does get a little bit messy, but we can we\n\nChannel 1: Yep.\n\nChannel 0: can do\n\nChannel 1: Yeah.\n\nChannel 0: all of\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: for you. But,\n\nChannel 1: But, like,\n\nChannel 0: essentially,\n\nChannel 1: if I started,\n\nChannel 0: yep.\n\nChannel 1: yeah, started with a 100 a fortnight or something like that,\n\nChannel 0: Yep.\n\nChannel 1: I'm thinking I would barely notice it out of my pay, hopefully.\n\nChannel 0: It yeah. And it it won't make as much of a difference. If it is something you want me to, so because I can reassess your super now with your income. What\n\nChannel 1: Yep.\n\nChannel 0: I can do for you is part of it is I if you are comfortable with it, is that I can include a salary sacrifice contribution now if you would like showing a $100 a fortnight.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And then part of the research will actually show you how it impacts your take on pay and how much extra it actually gonna boost your super between now and retirement. If that\n\nChannel 1: Yeah.\n\nChannel 0: is something you would like me to do\n\nChannel 1: Like,\n\nChannel 0: so you\n\nChannel 1: I'm\n\nChannel 0: have\n\nChannel 1: just,\n\nChannel 0: that now?\n\nChannel 1: yeah, I'm just thinking at least\n\nChannel 0: Mhmm.\n\nChannel 1: 100 a fortnight\n\nChannel 0: Yeah.\n\nChannel 1: is\n\nChannel 0: It\n\nChannel 1: better\n\nChannel 0: still\n\nChannel 1: than\n\nChannel 0: makes\n\nChannel 1: nothing,\n\nChannel 0: a difference.\n\nChannel 1: and, hopefully, I won't notice that too much. So\n\nChannel 0: Yeah. Perfect. Well, basically, if I tell you quickly, without obviously looking at anything else, if your income is\n\nChannel 1: yeah.\n\nChannel 0: right here now, 116, did you say? Yep. At the moment, your annual after tax income would be about 88,360.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Right.\n\nChannel 0: if we salary sacrifice and I will run the numbers for you in in the document. But, essentially, there's a a website called paycalculator.com.au. That's a very good\n\nChannel 1: Yep.\n\nChannel 0: way to kind of look at things. I'm not sure if you've ever heard of that\n\nChannel 1: I have\n\nChannel 0: before.\n\nChannel 1: seen it.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: beautiful. So even if I put in, let's say, a $100 a fortnight, it reduces your annual income after tax to 86,592. So it's,\n\nChannel 1: Right.\n\nChannel 0: like,\n\nChannel 1: Okay.\n\nChannel 0: literally $2,000 less\n\nChannel 1: Yep.\n\nChannel 0: a year, roughly,\n\nChannel 1: Yep.\n\nChannel 0: a little bit more. So it's\n\nChannel 1: Yep.\n\nChannel 0: not and then if you divide that, obviously, on a monthly or weekly, like, it doesn't make\n\nChannel 1: Yep.\n\nChannel 0: a massive\n\nChannel 1: Huge\n\nChannel 0: difference,\n\nChannel 1: difference. Yep.\n\nChannel 0: but it could boost your suit because, obviously, the more money you have even in a year, it all compounds and grows.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So what I can do is I can include it, and it's not obligation, but I can include it\n\nChannel 1: Yep.\n\nChannel 0: for you so that you can see what starting salary sacrificing at about a $100 per fortnight would look like. And\n\nChannel 1: Yep.\n\nChannel 0: then you can actually see the comparison, and I can do the the two projections. I can do one currently, and then I can do another one with the salary sacrifice between now and when you wanna retire. And then you can actually see the impact yourself as well, and that's sometimes, like, a good way of kind of reassessing everything.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Yep. Now with SuperDart, are you, at the moment, still planning on retiring about 65, or\n\nChannel 1: I mean,\n\nChannel 0: what are you\n\nChannel 1: ideally,\n\nChannel 0: thinking?\n\nChannel 1: that would be nice, but it really depends on like I said, the\n\nChannel 0: Mhmm.\n\nChannel 1: biggest\n\nChannel 0: Yeah.\n\nChannel 1: factor for us is we have a mortgage. So\n\nChannel 0: Yes.\n\nChannel 1: yeah. You know, if, ideally, if we can get that paid off, then yeah.\n\nChannel 0: Yep.\n\nChannel 1: But if\n\nChannel 0: Yes.\n\nChannel 1: not, maybe another few years.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: And\n\nChannel 1: yeah.\n\nChannel 0: are you guys paying the mortgage? What frequency at the moment? Is that monthly or fortnightly?\n\nChannel 1: Fortnightly.\n\nChannel 0: Okay.\n\nChannel 1: So fortnightly,\n\nChannel 0: That's good.\n\nChannel 1: and we've both got money in in the offset. So we refinanced our mortgage in January this year, went back to a bank that I used to work for. They called me. So\n\nChannel 0: That's nice.\n\nChannel 1: we were on a pretty alright deal, but\n\nChannel 0: Mhmm.\n\nChannel 1: then they've put interest rates up since then.\n\nChannel 0: Mhmm.\n\nChannel 1: So but we have now because it was where we do all our banking as well, we were able to utilize an offset account, and that's probably\n\nChannel 0: Yes.\n\nChannel 1: making a huge difference which we\n\nChannel 0: Yes.\n\nChannel 1: didn't have previously.\n\nChannel 0: Oh, perfect.\n\nChannel 1: Yeah. So and I've just got Pete because he is obviously self employed, and he had a business account and had sort of plenty of money sitting there but not doing anything. So we've got that sitting in an offset\n\nChannel 0: Yes.\n\nChannel 1: for him\n\nChannel 0: Yes.\n\nChannel 1: as well. So, hopefully, that's now making\n\nChannel 0: Okay. It's\n\nChannel 1: a bit\n\nChannel 0: a bit\n\nChannel 1: bit\n\nChannel 0: of\n\nChannel 1: of\n\nChannel 0: a difference.\n\nChannel 1: a difference.\n\nChannel 0: Yeah. No. That's a very good idea. And do you know how much you have in the offset roughly?\n\nChannel 1: Both of us.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: Or\n\nChannel 1: he's\n\nChannel 0: or you if it's separate?\n\nChannel 1: me about 56 at the moment.\n\nChannel 0: Mhmm. Oh,\n\nChannel 1: Thousand.\n\nChannel 0: perfect. Yep. And when you refinance the mortgage, do you know did did they give you evaluation on the property as well?\n\nChannel 1: Yeah. We've got\n\nChannel 0: Mhmm.\n\nChannel 1: heaps of equity. Like,\n\nChannel 0: Oh, perfect.\n\nChannel 1: heaps. Yeah.\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: how\n\nChannel 1: the\n\nChannel 0: much\n\nChannel 1: house is probably\n\nChannel 0: mhmm.\n\nChannel 1: worth about 800\n\nChannel 0: Oh,\n\nChannel 1: at\n\nChannel 0: nice.\n\nChannel 1: the moment. That's\n\nChannel 0: Mhmm.\n\nChannel 1: being conservative.\n\nChannel 0: Yep.\n\nChannel 1: And I think we owe about 296,000.\n\nChannel 0: Oh, perfect. Yep. So you do have a lot of equity like you said, which is good, and you've made\n\nChannel 1: Yep.\n\nChannel 0: a quite a bit of a chunk on the mortgage just even we spoke to you last time as well because\n\nChannel 1: Yeah.\n\nChannel 0: it was\n\nChannel 1: We\n\nChannel 0: around $3.20. So\n\nChannel 1: yeah.\n\nChannel 0: mhmm.\n\nChannel 1: Yeah. So we're down to $2.02 90 well, I think we're down to $2.95, but they'll dump interest on otherwise, it\n\nChannel 0: Yeah.\n\nChannel 1: goes on around the fourteenth of the month. So\n\nChannel 0: Mhmm.\n\nChannel 1: but we've also got a joint account which our mortgage comes out of and bills, and we've got that's an offset as well, which has got about\n\nChannel 0: Mhmm.\n\nChannel 1: $10 in it. So\n\nChannel 0: Yep.\n\nChannel 1: between\n\nChannel 0: Perfect.\n\nChannel 1: us, we've got a 100,000 sitting in an offset account.\n\nChannel 0: Yeah. Which\n\nChannel 1: Yeah.\n\nChannel 0: makes which which is we we obviously takes a chunk of the the mortgage\n\nChannel 1: Yeah.\n\nChannel 0: at the end as well, which which is really\n\nChannel 1: Yeah.\n\nChannel 0: good. Okay. Perfect. So, ideally, retire at 65 if possible.\n\nChannel 1: Yep.\n\nChannel 0: Now I have here that last time we spoke an ideal income per week was looking at around a thousand dollars per week for you that you ideally would like to draw from super. Is that\n\nChannel 1: Yes.\n\nChannel 0: still achievable, or do you think you would need more or or less?\n\nChannel 1: Like I said, if the house is paid off, I think,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, and you don't have, yeah, commitments. Like, we're pretty live\n\nChannel 0: Yeah.\n\nChannel 1: a pretty easy life. Just the odd holiday here and\n\nChannel 0: Yeah.\n\nChannel 1: there,\n\nChannel 0: Yeah.\n\nChannel 1: we do. Our biggest thing\n\nChannel 0: Yeah.\n\nChannel 1: is, like, we love to just go for a walk and have a coffee. So I\n\nChannel 0: Yeah.\n\nChannel 1: reckon that's still achievable at the moment. I don't think we'd need anymore.\n\nChannel 0: Yep. Perfect. And that's what most people say as well if it's, like obviously, depends on how extravagant you want in your retirement.\n\nChannel 1: Yeah.\n\nChannel 0: But most people say, well, if I don't have the mortgage, and that is just through you as well, then, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: Peter will have from him. So if,\n\nChannel 1: Yeah.\n\nChannel 0: let's say, he also draws about a thousand, then that's two\n\nChannel 1: Yep.\n\nChannel 0: thousand dollars combined.\n\nChannel 1: That's right.\n\nChannel 0: If you\n\nChannel 1: Yep.\n\nChannel 0: don't have the mortgage, then it's just kind of like, yeah, living expenses, some\n\nChannel 1: Yep.\n\nChannel 0: holidays.\n\nChannel 1: Yep.\n\nChannel 0: So most people say that's pretty achievable.\n\nChannel 1: That's yeah.\n\nChannel 0: If you have more, great. But at least something we're trying to work with at\n\nChannel 1: Yeah.\n\nChannel 0: least a thousand dollars per week.\n\nChannel 1: Yep.\n\nChannel 0: So that would then be a good kind of indication with the salary sacrifice and and the document I'll put together for you to see, you know,\n\nChannel 1: Yep.\n\nChannel 0: where you are currently if that's kind of achievable and where things are at. So\n\nChannel 1: Yep.\n\nChannel 0: that's really good. Yep. Okay. Perfect. Now other assets, I have here motor vehicle about 15,000.\n\nChannel 1: Yes. Nothing's\n\nChannel 0: Yep.\n\nChannel 1: changed with my car.\n\nChannel 0: No.\n\nChannel 1: That's all still the same. Yep.\n\nChannel 0: Perfect. And you didn't have anything owing on that one, do you?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: Perfect. Any other assets that's changed in the last twelve months? Any other motor\n\nChannel 1: Nah.\n\nChannel 0: vehicles or boats or anything?\n\nChannel 1: Nah.\n\nChannel 0: No.\n\nChannel 1: Nah.\n\nChannel 0: Perfect.\n\nChannel 1: Nothing really.\n\nChannel 0: And any other liabilities, like any personal loans or credit cards or ZipPay or anything?\n\nChannel 1: We've got yeah. We do have a joint credit card for Bankwest\n\nChannel 0: Mhmm.\n\nChannel 1: that's probably got about, I don't know, maybe $7,000 debt on it.\n\nChannel 0: Mhmm. Perfect. Anything else?\n\nChannel 1: And, yeah, I just have, like I do the sort of ZipPay, but it's maybe got $600 on it.\n\nChannel 0: Mhmm.\n\nChannel 1: Nothing\n\nChannel 0: Fuck.\n\nChannel 1: huge.\n\nChannel 0: Okay. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Otherwise, health and lifestyle wise, still a nonsmoker?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And have you had any changes to your health or any injuries or anything, any issues in the last twelve months?\n\nChannel 1: No.\n\nChannel 0: No. That's great. And do you have private health insurance?\n\nChannel 1: Yes. I do.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And is that a hospital cover as well?\n\nChannel 1: Yes. It is.\n\nChannel 0: Yep. Yep. Great. And estate planning wise, do you guys have a will or power of attorney in place or anything like\n\nChannel 1: No.\n\nChannel 0: that?\n\nChannel 1: No. We\n\nChannel 0: No.\n\nChannel 1: don't. And we need to. That's something we really need to do.\n\nChannel 0: Understood.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And do you know someone local that you could speak to, or would you like us to send you just some information on the firm that we work closely with so you have the pricing just as a reference, if not anything else?\n\nChannel 1: Yeah. No. I don't\n\nChannel 0: Yeah.\n\nChannel 1: think we do know anyone\n\nChannel 0: Okay.\n\nChannel 1: local. So,\n\nChannel 0: Well,\n\nChannel 1: yeah,\n\nChannel 0: what I can\n\nChannel 1: would\n\nChannel 0: do, yeah, I can\n\nChannel 1: if\n\nChannel 0: get the team to email you the contact of the firm that we work closely if when you guys have\n\nChannel 1: Yep.\n\nChannel 0: time, you wanna have a look at it.\n\nChannel 1: Yep.\n\nChannel 0: And it also just includes just basic prices of whether you wanna do a separate will, a joint will, power of attorney. And that way,\n\nChannel 1: Yep.\n\nChannel 0: you have the information. Sometimes it's a good little reminder as well if it's sitting in the inbox. Like, oh, yeah. I gotta get I gotta\n\nChannel 1: Yeah.\n\nChannel 0: get\n\nChannel 1: Yeah.\n\nChannel 0: on that.\n\nChannel 1: Yeah. No. That'll\n\nChannel 0: So\n\nChannel 1: be good. Thank you.\n\nChannel 0: yeah. Perfect. But, otherwise, obviously, for your beneficiary, sorry, in the event that something were to happen to you, because your superannuation and insurance does not form part of the estate automatically, you can make those direct nominations, which at the moment, we have going through Peter. Is that still the\n\nChannel 1: Yeah.\n\nChannel 0: case as well?\n\nChannel 1: Yeah. It would be.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Right.\n\nChannel 1: It's more that if something happens to him then, obviously, that's where it gets tricky because we both\n\nChannel 0: Yes.\n\nChannel 1: have kids. But yeah.\n\nChannel 0: Yes. And that's where the will is really good as well\n\nChannel 1: Yep.\n\nChannel 0: because then you can put different kind of succession in plan\n\nChannel 1: Yeah. That's\n\nChannel 0: in place\n\nChannel 1: right.\n\nChannel 0: for it. Because the way that things are at the moment, if it goes to Peter as your spouse, he would receive everything tax free.\n\nChannel 1: Yep.\n\nChannel 0: Adult children may have to pay a bit of tax if it goes to them. So\n\nChannel 1: Right.\n\nChannel 0: from a\n\nChannel 1: Okay.\n\nChannel 0: tax structure, if it goes to him, obviously, it's tax free. But then, yeah, if there are obviously other parties and stuff involved, it could be a really good idea with the will as well. Or if something were to happen to both of you, I will is is a really good idea to kind of go through\n\nChannel 1: Yep.\n\nChannel 0: things in a little bit more detail.\n\nChannel 1: Okay. Yep. No worries.\n\nChannel 0: Perfect. Otherwise, aside from your, obviously, the salary sacrifice and, obviously, settling to your job and everything, do you guys have a focusing on reducing the mortgage? Do you guys have any other financial goals that you are working towards?\n\nChannel 1: Not really. Like, obviously,\n\nChannel 0: Nope.\n\nChannel 1: like, the biggest thing is trying to max get the mortgage done, but, you know, we're\n\nChannel 0: Yep.\n\nChannel 1: doing everything we can, but I don't know.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's good. And it's now you had it refinance, which is good because that's often something\n\nChannel 1: Yep.\n\nChannel 0: if you haven't had in a long time. I'm I usually\n\nChannel 1: Yeah.\n\nChannel 0: suggest just just do it every year. Just have\n\nChannel 1: Yep.\n\nChannel 0: a look at it because, especially, the way the property market and stuff has been, if there's, you\n\nChannel 1: Yep.\n\nChannel 0: know, more equity in the property and\n\nChannel 1: Yep.\n\nChannel 0: you can get that loan value ratio down, you can get slightly better interest rate. You can pay things up quicker. Another\n\nChannel 1: Yep.\n\nChannel 0: way is changing the structure. So you guys are already paying fortnightly, which is good. Sometimes if you pay it monthly, obviously, with interest and everything, reducing it to fortnightly can speed it up a little bit. So you're kind of already doing a lot of it. You have the\n\nChannel 1: Yes.\n\nChannel 0: offset account again, which is great. Sorry. I think you guys are are on track pretty good\n\nChannel 1: Yeah.\n\nChannel 0: for where things are at when it comes to that. But, obviously, if there's anything else that you guys need assistance with at any point, just let me know.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yep.\n\nChannel 1: Will do.\n\nChannel 0: Perfect. Now, otherwise, when it comes to your superannuation, what I will do is just quickly go through just another risk profile questionnaire with you just to see if your risk tolerance has changed. Now think of these questions as well in regards to your superannuation, so obviously being a little bit more\n\nChannel 1: Yep.\n\nChannel 0: long term.\n\nChannel 1: Yep.\n\nChannel 0: And if it doesn't make sense, just just let me know.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And it's all multiple choice as well, and you can just choose\n\nChannel 1: Yep.\n\nChannel 0: whichever you feel aligns with you the most.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now have you ever bought direct shares yourself on the stock market?\n\nChannel 1: Have I ever no.\n\nChannel 0: No. No.\n\nChannel 1: I've looked but never done\n\nChannel 0: Yeah. No. That's all good. And when it comes through the level of risk that you are comfortable with in regards to your superannuation, would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation?\n\nChannel 1: I'd say probably high, moderate.\n\nChannel 0: High, moderate. And if you which one would you lean more towards?\n\nChannel 1: I don't know. I'm probably, like, in the middle. Like, I can\n\nChannel 0: Mhmm.\n\nChannel 1: see that super is\n\nChannel 0: Mhmm.\n\nChannel 1: a long term thing. So, you know, I understand that if you take high risk, you know, it might\n\nChannel 0: Yep.\n\nChannel 1: drop, but then it could rebound, like, down the track. So that's the risk you take.\n\nChannel 0: Yep.\n\nChannel 1: I guess it's only because I'm getting closer to that retirement age now. I don't have, like, the thirty years that I used to\n\nChannel 0: Mhmm.\n\nChannel 1: have.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So, yeah, I don't mind high risk.\n\nChannel 0: Okay.\n\nChannel 1: I like to see the growth,\n\nChannel 0: Yes.\n\nChannel 1: but, yeah, I'm just mindful that I have less time to recover as each\n\nChannel 0: Yep.\n\nChannel 1: year goes on, if that makes sense. So\n\nChannel 0: Yep. No. It totally does. And when it comes to fluctuations, which kind of ties into what you mentioned as well. So on a hypothetical basis, if you place an investment and after six months, it drops by 20% due to general trends in the market.\n\nSo let's not it's not like one investment that just went really bad. It's just kind of the market as a whole. Would you, if you had the option to do so, think that, well, now is potentially a good time to put more money in while the prices are down, or would you kind of be a bit more neutral, just kind of wait and see what happens, or would you want to shift to a secure asset, but that means you are then selling or the prices have already dropped?\n\nChannel 1: Actually, I would probably\n\nChannel 0: Mhmm.\n\nChannel 1: go well, now is the time to put some more in while it's low.\n\nChannel 0: Yep. Yep. Perfect. And would you put a lot in or just, like, a little bit?\n\nChannel 1: I don't know. It would depend how much I've got.\n\nChannel 0: Yeah. It's one of those some of the questions are\n\nChannel 1: Yeah.\n\nChannel 0: tricky.\n\nChannel 1: Yeah. Probably not a lot, but\n\nChannel 0: Yep. Maybe\n\nChannel 1: not a\n\nChannel 0: a\n\nChannel 1: little.\n\nChannel 0: little bit.\n\nChannel 1: Somewhere in the middle. Yeah.\n\nChannel 0: Yeah. Yeah. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And if you did have any investments at any point in time, fluctuating drop in value. So let's say your superannuation the last twelve months, I'm sure you've obviously seen on\n\nChannel 1: Yeah.\n\nChannel 0: the news\n\nChannel 1: I have. Yeah.\n\nChannel 0: that there's obviously been a bit of bit of turbulence in the market\n\nChannel 1: Yep.\n\nChannel 0: the last twelve months. Obviously, everything in The US and\n\nChannel 1: Yep.\n\nChannel 0: Trump and tariffs and everything saw a bit of fluctuation. And, obviously, more recently with the war as well, it has seen\n\nChannel 1: Yep.\n\nChannel 0: a bit of fluctuation. When you did see a bit of a drop in value, would you feel optimistic about potential investment opportunities? Kind of a bit more neutral, wouldn't make further investments, but understand that that's kind of the nature of the market sometime as well, or would you feel quite concerned or anxious?\n\nChannel 1: So I probably would say I didn't feel anxious or concerned.\n\nChannel 0: Mhmm.\n\nChannel 1: I felt probably just more neutral. Like, I did\n\nChannel 0: Mhmm.\n\nChannel 1: see it drop, but I was like, oh,\n\nChannel 0: Yep.\n\nChannel 1: it's a period. And,\n\nChannel 0: Yes.\n\nChannel 1: you know, the next time I went in, it started going up. So\n\nChannel 0: Yep.\n\nChannel 1: you know what I mean? Like so probably\n\nChannel 0: Yeah.\n\nChannel 1: neutral.\n\nChannel 0: Yep. Perfect. That's good. And it's good that you've you've looked every now and then as well\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: understand and see it. Because sometimes when people like, if you just look once, for example, and it's just when the market has had a little bit of a dip, that might make some people feel a bit worried if they\n\nChannel 1: Yep.\n\nChannel 0: don't look in a long period of time. But\n\nChannel 1: Yeah.\n\nChannel 0: you looking fairly sometimes looking on a daily can also be detrimental if if that is something that stresses you a lot. But\n\nChannel 1: Yeah.\n\nChannel 0: looking every now and then is good because then you actually see firsthand as well those fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: And you can kind of see things going up and down as long as everything's moving in the right direction long\n\nChannel 1: That's\n\nChannel 0: term,\n\nChannel 1: right. Yep.\n\nChannel 0: then then that's really good. Now last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: Yes, actually.\n\nChannel 0: Yep.\n\nChannel 1: And this is\n\nChannel 0: Yep.\n\nChannel 1: something we've thought of because we have equity. And even when I refinanced, the guy at the bank said this or sort of\n\nChannel 0: Mhmm.\n\nChannel 1: mentioned that, you know, we could look at an investment property or something along, you know, an investment loan, but I wasn't quite ready. I don't think I wanna do\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: we don't have the energy or wanna commit to\n\nChannel 0: Yeah.\n\nChannel 1: a property with the prices that they right now. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, certainly stocks and shares, if that means\n\nChannel 0: Yep.\n\nChannel 1: we can, grow that.\n\nChannel 0: Mhmm.\n\nChannel 1: And\n\nChannel 0: Mhmm.\n\nChannel 1: but it would just come down to, like, what would the affordability be for us or\n\nChannel 0: Yes.\n\nChannel 1: and how does that work on with us repaying\n\nChannel 0: Yes.\n\nChannel 1: that, if that\n\nChannel 0: Yep.\n\nChannel 1: makes sense.\n\nChannel 0: Yep.\n\nChannel 1: But I guess\n\nChannel 0: Definitely.\n\nChannel 1: even if it was something\n\nChannel 0: Mhmm.\n\nChannel 1: small like 50,000 to start with, I don't know.\n\nChannel 0: Okay. So potentially something to be open to.\n\nChannel 1: Yeah. Because we\n\nChannel 0: Yeah.\n\nChannel 1: have got\n\nChannel 0: No.\n\nChannel 1: a lot of equity there.\n\nChannel 0: I guess it would also be well, what would be more important to you? What would you feel comfortable with? Would the main goal be that you wanna have the mortgage completely paid off by the time you guys retire, or would you be happy having, you know, a bit of debt and utilizing that through invest as well?\n\nChannel 1: Well, that's the thing. Like, if if we've if we've got the mortgage paid off, like, I don't mind having a bit of debt left if you've got an investment attached to that. Whereas\n\nChannel 0: Yep.\n\nChannel 1: at the\n\nChannel 0: Yep.\n\nChannel 1: moment, we don't like. So yeah.\n\nChannel 0: Yes.\n\nChannel 1: If if we've got the mortgage paid off, but we've still got, you know, $6,070,000 dollars in investment debt left. That's different because you could hopefully\n\nChannel 0: Yes.\n\nChannel 1: go, well, the money you've made on that,\n\nChannel 0: Mhmm.\n\nChannel 1: if it pays out the loan. I don't know\n\nChannel 0: Mhmm.\n\nChannel 1: how it all works, but I know my mom did it with her husband.\n\nChannel 0: Yep.\n\nChannel 1: They had an investment debt once they paid their mortgage off, but then they yeah. I don't know. I don't know how they did it, but they did it with a financial planner, obviously.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, open to it,\n\nChannel 0: Yeah.\n\nChannel 1: but just need to understand more how it works. And I guess it would be a tax\n\nChannel 0: Mhmm.\n\nChannel 1: like you would would it be you claim the debt interest or the rules change\n\nChannel 0: The\n\nChannel 1: now?\n\nChannel 0: interest.\n\nChannel 1: Like\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: So everything is kind of a little bit up in the air with the the new budget proposals\n\nChannel 1: Yeah.\n\nChannel 0: and everything like that.\n\nChannel 1: Yeah. That's right.\n\nChannel 0: But but, yeah, otherwise, it used to be, obviously, the the interest on the borrowing for investment purposes would\n\nChannel 1: Yep.\n\nChannel 0: be offset by tax. But, obviously,\n\nChannel 1: Yeah. But\n\nChannel 0: everything is a little bit up in\n\nChannel 1: yeah.\n\nChannel 0: the\n\nChannel 1: Up\n\nChannel 0: air\n\nChannel 1: in the\n\nChannel 0: with\n\nChannel 1: air.\n\nChannel 0: with the budget. But what I can do is I can actually make a little note here as as well. So even, like, for next under review, hopefully, everything is\n\nChannel 1: Yep.\n\nChannel 0: a little bit more clear. Or if it's before that, you guys let me know. But\n\nChannel 1: Yep.\n\nChannel 0: then I can do that even if it suits\n\nChannel 1: Yeah.\n\nChannel 0: the both you and Peter. We could always do a joint annual review for the two of you, and then\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: can be assessed potentially looking at some different investment options, what that would look\n\nChannel 1: Yeah.\n\nChannel 0: like\n\nChannel 1: Yeah.\n\nChannel 0: once there's a bit more kind of clarity in regards through\n\nChannel 1: Yeah.\n\nChannel 0: all the proposals and everything like\n\nChannel 1: Yeah.\n\nChannel 0: that. So I can make a little note\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: That'll\n\nChannel 0: we can\n\nChannel 1: be good because yeah. Also,\n\nChannel 0: have a look\n\nChannel 1: obviously,\n\nChannel 0: at that.\n\nChannel 1: Maddie's school fees will\n\nChannel 0: Yes.\n\nChannel 1: be coming to an end as well. So there's a yeah. Things change next year.\n\nChannel 0: Yes. Well, that's it. That's a good goal, though, and then you guys can obviously work on that together. So I'll\n\nChannel 1: Yep.\n\nChannel 0: just make a little note that we can potentially look at the under review together for the two of you next\n\nChannel 1: Yep.\n\nChannel 0: year\n\nChannel 1: Yep.\n\nChannel 0: and then to explore options for potentially different personal investments,\n\nChannel 1: Yep.\n\nChannel 0: whether that be taking out a loan or\n\nChannel 1: Yep.\n\nChannel 0: or utilizing property as well for it\n\nChannel 1: Yep.\n\nChannel 0: as a little a little goal, which is good. Otherwise, I have they basically have told me here so from those questions, it has told me that you have come out as a kind of in between a high growth and a growth investor. It's the right\n\nChannel 1: Yep.\n\nChannel 0: kind of borderline. Now\n\nChannel 1: Yep.\n\nChannel 0: at the moment, we have you invested in a growth portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Do you remember like, do you know the difference between a growth and a high growth investor? Have you heard much about it?\n\nChannel 1: Probably not. Can't remember.\n\nChannel 0: No. No. That's okay. Most people will sound like, oh, can you just find out me again?\n\nChannel 1: Yeah.\n\nChannel 0: Basically, both a high growth and a growth investor are similar in that you're looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time. But, also, that you are comfortable experiencing some level of fluctuations in order to achieve that.\n\nChannel 1: Yep.\n\nChannel 0: Now the difference between them is that in a high growth portfolio, typically, we invest 90% in what we call your growth assets. So that\n\nChannel 1: Yep.\n\nChannel 0: is a combination of Australian shares, international shares, and property as well. And that is basically what's going to kind of maximize that return for you and about 10% in defensive to limit fluctuations a little bit, and that will be things like cash, fixed interest, and gold as well.\n\nChannel 1: Yep.\n\nChannel 0: Now the growth portfolio, it's about a 10% difference. So it's about eighty twenty. So 80% in growth. So still a big amount, obviously, with focus towards growth, but 20 in defensive.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now what also comes into play is a time frame because you also wanna make sure, like you touched on as well, that you wanna make sure you have enough time in the market. So in a growth portfolio, ideally, we would like to see about at least six years until retirement,\n\nChannel 1: Yep.\n\nChannel 0: a high growth, typically, at least eight years.\n\nChannel 1: Right. Okay.\n\nChannel 0: What do you think of that? Are you still happy to kind of maintain your growth portfolio? Because if you do move to a high growth, yes, long term, you can have more growth, but short term, you will have a bit more of those ups and downs. Or are you quite happy with the level of risk you are taking on at the moment in your your growth portfolio, which is still targeted towards obviously growing your superannuation?\n\nChannel 1: I really don't know.\n\nChannel 0: No. Like, your\n\nChannel 1: I\n\nChannel 0: because you yep. You go. Sorry.\n\nChannel 1: I was gonna say, like, from what I've seen, I feel like it's doing well,\n\nChannel 0: Yes.\n\nChannel 1: but I don't know what to compare to. Do you know what I mean? Like and I don't\n\nChannel 0: Yeah.\n\nChannel 1: know how volatile that would make it if I went to the next one.\n\nChannel 0: Yes. Yes. That totally makes sense. Now having a look at your portfolio, especially because we have had a bit of term loans, things are are doing pretty good. Your salary sacrificing will also boost things more.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Taking on more risk might not be necessary, especially because the closer you get to retirement as well. Because at the moment with the current legislation, if things change for you, you can access super. If you decide to stop working, you can access super at 60.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So that six years is kind of a good time frame. Now,\n\nChannel 1: Yep.\n\nChannel 0: obviously, if you decide to work to 65 or however long, more money in super means, obviously, growing, more contributions\n\nChannel 1: Yep.\n\nChannel 0: will boost things further. But if something\n\nChannel 1: Yep.\n\nChannel 0: changed and you decide, oh, actually, I do wanna retire earlier than 65, I think that six year, what you're\n\nChannel 1: Yeah.\n\nChannel 0: currently in in growth is is probably quite suitable.\n\nChannel 1: Yeah.\n\nChannel 0: And what I will do anyway is when I do have a look at the salary sacrifice, a bit of an update on your investments, especially with your new income, which makes a big difference. I will have a look at your investments as well\n\nChannel 1: Yep.\n\nChannel 0: just to see if there is any that is underperforming a little bit. Obviously, we're changing market conditions where everything's at.\n\nChannel 1: Yep.\n\nChannel 0: And then I can if if I do do the research and feel like there is one or two we wanna swap out, then I can put that together for you, but still\n\nChannel 1: Yep.\n\nChannel 0: maintaining the level of risk by making\n\nChannel 1: Yep.\n\nChannel 0: sure everything is working smoothly for you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: And can I make so something else, this job that I'm actually in, I do have a bonus attached to my salary, and\n\nChannel 0: Okay.\n\nChannel 1: we're going\n\nChannel 0: Yes.\n\nChannel 1: through it's that time of year now where we're sort of doing reviews and\n\nChannel 0: Mhmm.\n\nChannel 1: it's not guaranteed that you get it? But, basically,\n\nChannel 0: Mhmm.\n\nChannel 1: it can be 10 to fifth 10 to 10 or 15. I'm not sure. So\n\nChannel 0: Mhmm.\n\nChannel 1: we are able to like, I I won't do it this year because it's my first time, and I just want\n\nChannel 0: Yes.\n\nChannel 1: I don't know if I'm gonna get one. But I've\n\nChannel 0: Mhmm.\n\nChannel 1: seen there's an option that it can go straight to super rather than being paid, you know, into your account as a bonus. Does that affect that, you know, that threshold, that 32,000?\n\nChannel 0: Yes.\n\nChannel 1: You\n\nChannel 0: Sorry.\n\nChannel 1: have to be so I if I was salary sacrificing, I'd have to take that into account and make sure that I didn't go over.\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: So I would say let me know. So with with the bonus, it does depend on your employer. Most or most which is good if they can do it that way. Often, what happens so let's say if you get $10,000 in a bonus, that would be paid out to you in cash.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But then on the bonus, you would still get your mandatory 12% contribution. So you\n\nChannel 1: Oh,\n\nChannel 0: would\n\nChannel 1: okay.\n\nChannel 0: get a little additional contribution based on the bonus. So\n\nChannel 1: Right.\n\nChannel 0: if you get a very big bonus, get contributions on that. That will boost your super even further, which is great. But then I would also say if that is the case, just let me know because\n\nChannel 1: Yep.\n\nChannel 0: we do wanna make sure you don't exceed any\n\nChannel 1: Yeah.\n\nChannel 0: tab spaces.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Like, I\n\nChannel 0: if\n\nChannel 1: I definitely won't\n\nChannel 0: mhmm.\n\nChannel 1: have it put to my super this year if I get one because there was a timeline.\n\nChannel 0: Mhmm.\n\nChannel 1: I just saw an email saying if you wish for your bonus to go straight to your super, then\n\nChannel 0: Yep.\n\nChannel 1: let us know by this date. Otherwise,\n\nChannel 0: Mhmm.\n\nChannel 1: if we don't hear from you, it won't. But like\n\nChannel 0: Yep.\n\nChannel 1: I said, it's not guaranteed that you're gonna even get one. Like, it\n\nChannel 0: Yep.\n\nChannel 1: goes to a\n\nChannel 0: Yep.\n\nChannel 1: panel. So\n\nChannel 0: Okay.\n\nChannel 1: I'm just gonna see how it plays out this year and what it's\n\nChannel 0: Yes.\n\nChannel 1: like. But then next year, if, you know, I'm thinking, well, maybe I can go or having said that, would I can make at any time voluntary contributions.\n\nChannel 0: Correct. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: And we\n\nChannel 1: Okay.\n\nChannel 0: can change it. So even and that's what often what most people do with a bonus because they don't have the option of your whole bonus going to your super. Now I would\n\nChannel 1: Right.\n\nChannel 0: check with your when you do get if you do get a bonus, have a look in your hub 24 as well because you should then see an additional contribution being added.\n\nChannel 1: Yep.\n\nChannel 0: So you can\n\nChannel 1: Okay.\n\nChannel 0: check with your\n\nChannel 1: Alright.\n\nChannel 0: employer to be like, okay. If I do get a bonus and I'd elect not to have it, obviously, all paid through super,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: does the 12% contribution still apply, which often is the case.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Okay. No worries.\n\nChannel 0: what what most people would do if they don't have the option of obviously adding the whole bonus is that, let's say, you get 15% on your income as a bonus, that would be pretax about 17,400. Now\n\nChannel 1: Right.\n\nChannel 0: you would still get 12% contribution on that, which means that your employer will automatically add 2,088.\n\nChannel 1: Right. Okay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: it will still be that. So\n\nChannel 1: Yep.\n\nChannel 0: even if we do salary sacrifice of a $100 a fortnight with your current income, you are still under the threshold,\n\nChannel 1: Yep. Okay.\n\nChannel 0: which is good. And\n\nChannel 1: Okay.\n\nChannel 0: I would\n\nChannel 1: Cool.\n\nChannel 0: say that if you do before the end of this financial year, if that is so when do you normally have to make that decision? Do you know?\n\nChannel 1: Yeah. The email came out a few weeks ago.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: So even, like, next year, which we're pretty close to under review, but even which will be good. But even next year, if you do get the option, just give me a call\n\nChannel 1: Yep.\n\nChannel 0: because then I can run the numbers if you go, okay. Can I if you are leaning towards electing having everything paid into super, then\n\nChannel 1: Yep.\n\nChannel 0: I can just run the numbers for you?\n\nChannel 1: Alright. No worries.\n\nChannel 0: And that's and that's when that kind of carry forward, I mentioned earlier,\n\nChannel 1: Yep.\n\nChannel 0: comes in handy where it's like, if you haven't done extra contributions yourself in previous years, we can utilize that to still make it very tax effective.\n\nChannel 1: Yep. Okay. Lovely.\n\nChannel 0: Yeah. But, yes, at any point in time, you can make voluntary contributions, and we can at the end of each financial year, if you have the cap space available, we can change it to pretax and give\n\nChannel 1: Yep.\n\nChannel 0: you a little bit of that notice of intent on the tax back. So\n\nChannel 1: Yep.\n\nChannel 0: just let us know. Keep us\n\nChannel 1: Yep.\n\nChannel 0: up to date what's\n\nChannel 1: Yeah.\n\nChannel 0: happening,\n\nChannel 1: Yeah.\n\nChannel 0: but that\n\nChannel 1: Will\n\nChannel 0: is\n\nChannel 1: do.\n\nChannel 0: good.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Perfect. Now do you have access to your emails at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Okay. Sorry. Not too much to go before I let you go in. Enjoy the rest of your afternoon.\n\nDo you have\n\nChannel 1: Yeah.\n\nChannel 0: to work shift again today?\n\nChannel 1: Yeah. Yes. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: I had a three.\n\nChannel 0: Perfect. Now if you could access your emails for me, I have sent you an email with a couple of documents to go through.\n\nChannel 1: Yep.\n\nChannel 0: We have just changed the soft software as well, so it might look a little bit different to what it did last time we spoke. It's kind of the\n\nChannel 1: Yep.\n\nChannel 0: same where you access a link, and that will show you all the documents before it prompts you to sign anything.\n\nChannel 1: Yep. I've got that now.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now to make it easy for you, I can go through them the way that you see them. So what is your first attachment that you can see?\n\nChannel 1: I've just it just says sign document, but I can't\n\nChannel 0: Yep.\n\nChannel 1: hang on. Is that\n\nChannel 0: If you\n\nChannel 1: oh, it says\n\nChannel 0: yeah.\n\nChannel 1: annual\n\nChannel 0: You you\n\nChannel 1: review\n\nChannel 0: just\n\nChannel 1: pack and TFN opt in form. Please find\n\nChannel 0: yes. So\n\nChannel 1: attached\n\nChannel 0: if\n\nChannel 1: important documentation.\n\nChannel 0: yep. So if you click on that link, it you would just have to click on it first,\n\nChannel 1: On the\n\nChannel 0: but\n\nChannel 1: signed\n\nChannel 0: it will\n\nChannel 1: documents?\n\nChannel 0: allow you correct. Yes.\n\nChannel 1: Yep.\n\nChannel 0: And you should see everything, and it's only\n\nChannel 1: Oh, yep.\n\nChannel 0: at the end. Yeah. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: So I've got summary of superannuation and insurance. Yep.\n\nChannel 0: Yes. Perfect. So if you can have a look at that one, it shows you your current superannuation and insurance. Now you obviously have majority of your super in hub 24, and you do have about 303,546. And\n\nChannel 1: Yep.\n\nChannel 0: then you also have your public sector superannuation that defined benefits,\n\nChannel 1: Oh,\n\nChannel 0: and that's about 34,700\n\nChannel 1: that's gone\n\nChannel 0: and\n\nChannel 1: up\n\nChannel 0: 80\n\nChannel 1: a bit.\n\nChannel 0: 2.\n\nChannel 1: I haven't even forgotten about that one.\n\nChannel 0: Yes.\n\nChannel 1: It's like the nothing one, but it is there.\n\nChannel 0: Yeah. And it it's also good because, obviously, the defined benefit, obviously, we don't wanna touch it or, usually, you can't touch it. So it is\n\nChannel 1: No.\n\nChannel 0: a sit\n\nChannel 1: I can't.\n\nChannel 0: step for when\n\nChannel 1: Yeah.\n\nChannel 0: you retire. But\n\nChannel 1: Yep.\n\nChannel 0: it's just a little bit of extra, so\n\nChannel 1: There.\n\nChannel 0: that's good.\n\nChannel 1: That's alright.\n\nChannel 0: Now I did have one question for you, and I'll ask Peter the same for your HUB24. So with HUB24, they have a feature which is called family linking.\n\nChannel 1: Alright.\n\nChannel 0: Basically, what it is is that if you have a family, you can link your accounts together. You're not crossing or sharing super or anything like that. It is just from administration platform. You can have the two accounts linked. So what that would mean is that Hub twenty four assesses your combined superannuation balance when they are calculating discount on administration fee.\n\nSo it does make it a little bit cheaper. So instead of it being just on your super balance and it's on his super balance, having them linked together, it's just a way for them to giving a bit of a discount to tryna promote as well having, you know, multiple accounts together\n\nChannel 1: Yep. Yep.\n\nChannel 0: for a family.\n\nChannel 1: Yep.\n\nChannel 0: So the benefit is by doing it, you get a bit of a discount on administration fees, which is great. Another thing is that we can have it so you guys can view each other's accounts if that is something that you want. So, like, you would log in to your app, and you would see your account, but you could also check his. You can't change anything on his account holder, but you\n\nChannel 1: Yep.\n\nChannel 0: can view it. So if it is that you guys, you know, obviously share finances and plan retirement together, you can look at each other's information. You can't change it.\n\nChannel 1: Okay.\n\nChannel 0: Is that something you guys want to add, or do you kinda prefer to have it a bit more separate?\n\nChannel 1: Yeah. I think probably prefer to have it a bit more separate\n\nChannel 0: Yep. Perfect.\n\nChannel 1: for this. Yeah. I reckon.\n\nChannel 0: Yep. I'll just I'll just leave it, and we'll we'll\n\nChannel 1: If\n\nChannel 0: just\n\nChannel 1: that\n\nChannel 0: keep\n\nChannel 1: changes\n\nChannel 0: it like that.\n\nChannel 1: down the track, but for now, yeah, maybe.\n\nChannel 0: Yeah. Yeah. Perfect. That is not a problem. Yeah.\n\nIs that in any point you're trying to send me an email, say, hey. We would like to do the family\n\nChannel 1: Yeah.\n\nChannel 0: linking.\n\nChannel 1: Yeah.\n\nChannel 0: Just\n\nChannel 1: Yeah.\n\nChannel 0: let me know. But, otherwise, I'll just leave it for now.\n\nChannel 1: Yeah. No. That's\n\nChannel 0: Yep.\n\nChannel 1: cool.\n\nChannel 0: Yeah. Otherwise, with your insurances. So you have some insurance with MetLife. Now\n\nChannel 1: Yep.\n\nChannel 0: you have a life and total permanent disability insurance, and that is 525,000 if something were\n\nChannel 1: Yep.\n\nChannel 0: to happen.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now are you still happy with that level of cover for life and TPD, or has\n\nChannel 1: Yeah.\n\nChannel 0: anything changed? Yep. Perfect.\n\nChannel 1: No. I think I'm still happy with that.\n\nChannel 0: Yep. It would still obviously pay out the remaining mortgage\n\nChannel 1: Yeah. Yep.\n\nChannel 0: of your credit card and stuff like that, still leave extra if\n\nChannel 1: Yeah.\n\nChannel 0: something were to happen.\n\nChannel 1: Yep.\n\nChannel 0: Now with your income protection, though, because your income has gone up quite a bit, which is great, it will mean that you are a little bit underinsured for income protection.\n\nChannel 1: Yeah.\n\nChannel 0: Doesn't mean you have to change it if that is still sufficient to cover your bills and expenses. So, basically mhmm.\n\nChannel 1: Let's say four what's that? $4.07 a month. So, yes, couple of grand probably lot on now, isn't it? But\n\nChannel 0: Yeah.\n\nChannel 1: I still\n\nChannel 0: So it\n\nChannel 1: think,\n\nChannel 0: is also\n\nChannel 1: like,\n\nChannel 0: taxed\n\nChannel 1: I still\n\nChannel 0: income protection.\n\nChannel 1: actually oh, this is? So that that would be after tax, or would this be before tax, $4.07\n\nChannel 0: That\n\nChannel 1: 5\n\nChannel 0: will be\n\nChannel 1: o?\n\nChannel 0: the the 4. So\n\nChannel 1: Before.\n\nChannel 0: it is taxed at your\n\nChannel 1: Yeah.\n\nChannel 0: marginal\n\nChannel 1: Okay.\n\nChannel 0: tax rate when it comes out as well. So, obviously, it will be a little bit less.\n\nChannel 1: A little bit less. Look. I've survived on 80\n\nChannel 0: Yeah.\n\nChannel 1: grand for most of you know? Like, it's\n\nChannel 0: Yeah.\n\nChannel 1: only been in since August last year that I've been getting this salary.\n\nChannel 0: Yeah.\n\nChannel 1: So I've been it's the highest I've ever had. So I've never been earning this sort of money, so\n\nChannel 0: Yes.\n\nChannel 1: I\n\nChannel 0: Yep.\n\nChannel 1: do know how to live off minimal.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah,\n\nChannel 0: Perfect.\n\nChannel 1: let's just leave it for another\n\nChannel 0: Yep.\n\nChannel 1: year.\n\nChannel 0: Yep.\n\nChannel 1: And,\n\nChannel 0: And\n\nChannel 1: like,\n\nChannel 0: if\n\nChannel 1: we\n\nChannel 0: anything's\n\nChannel 1: keep reducing\n\nChannel 0: fine,\n\nChannel 1: our debt, hopefully. So\n\nChannel 0: Yes. You yes. Exactly. Because the the other thing would be, obviously, if you wanna increase it, it will mean that, obviously, it's gonna get more expensive, which then\n\nChannel 1: yeah.\n\nChannel 0: obviously\n\nChannel 1: That's alright.\n\nChannel 0: means the premiums are more super. So if it is\n\nChannel 1: Yeah. Yep.\n\nChannel 0: obviously still covering the bare\n\nChannel 1: Yeah.\n\nChannel 0: minimum at least,\n\nChannel 1: Yeah.\n\nChannel 0: and that is only in competition, it's only temporarily as well. So it only\n\nChannel 1: Yeah.\n\nChannel 0: do\n\nChannel 1: Yeah.\n\nChannel 0: it temporarily\n\nChannel 1: That's right.\n\nChannel 0: unable to\n\nChannel 1: Yep.\n\nChannel 0: work.\n\nChannel 1: Yep.\n\nChannel 0: You do have that thirty day waiting period. So the shortest one. You just have to wait that thirty days before you\n\nChannel 1: Yep.\n\nChannel 0: can start claiming on it, and it does run for two years.\n\nChannel 1: Yep.\n\nChannel 0: All three paid inside super for inside hub 24, so you don't pay for it out of pocket. And the premium is 2,933 after that tax rebate that you get.\n\nChannel 1: Yep. Yep. That\n\nChannel 0: Yep.\n\nChannel 1: sounds\n\nChannel 0: Perfect.\n\nChannel 1: good.\n\nChannel 0: Now what is the next attachment there for you?\n\nChannel 1: Performance with IRR.\n\nChannel 0: Yes. So this one here gives you a bit of a twelve month snapshot of your portfolio. Now the\n\nChannel 1: Yep.\n\nChannel 0: good thing is that you have obviously seen a bit of ups and downs of the market fluctuation and understand that things do fluctuate.\n\nChannel 1: Yep.\n\nChannel 0: But in saying that, though, in the last twelve months, after all fees have come out of your account and despite the fluctuations we have had in the market, your portfolio has still gone up. So the return on your investment is still up by 8.88% after fees, which we're\n\nChannel 1: Okay.\n\nChannel 0: actually quite\n\nChannel 1: Yep.\n\nChannel 0: happy with given\n\nChannel 1: Yep.\n\nChannel 0: the market.\n\nChannel 1: Yeah.\n\nChannel 0: And what that looks like in terms of a dollar value, and that is just the earnings on your investments and not contributions, it represents about 28,574.\n\nChannel 1: Yeah. No. That's really\n\nChannel 0: So,\n\nChannel 1: good.\n\nChannel 0: yeah, so part of, obviously, the research I will do for you is I do wanna review one of those investments in a little bit more detail, and that is the Benelong Australian Equity. It has underperformed a little bit recently. So I just wanna kind of reassess that one a little bit more for you to see if we should change it.\n\nChannel 1: Yep.\n\nChannel 0: But I'll\n\nChannel 1: No\n\nChannel 0: do\n\nChannel 1: worries.\n\nChannel 0: the research, put together that proposal, and run that through with you along with the salary\n\nChannel 1: Yep.\n\nChannel 0: sacrifice, and then we can take it from there.\n\nChannel 1: Yep. No\n\nChannel 0: But\n\nChannel 1: worries.\n\nChannel 0: overall, things are going good. Now next one, is that your MetLife certificate of currency? Yep.\n\nChannel 1: Oops. Just hit next document. Yep. Oh, was that the Vanguard index chart?\n\nChannel 0: Oh, yep. That's fine. Sorry.\n\nChannel 1: That's what\n\nChannel 0: That\n\nChannel 1: I've\n\nChannel 0: one here.\n\nChannel 1: got.\n\nChannel 0: Yeah. Okay. Perfect. You probably have the next one after.\n\nChannel 1: Yep.\n\nChannel 0: Vanguard, you probably have seen this last year, but it is just a good visual representation again\n\nChannel 1: Yep.\n\nChannel 0: of what we're talking with the market. And you can see here those kind of ups and downs we were talking about\n\nChannel 1: Yeah.\n\nChannel 0: and how the time frame kind of comes into play with that as\n\nChannel 1: Yep.\n\nChannel 0: well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yeah. Certificate\n\nChannel 0: Next one.\n\nChannel 1: of currency. Yep.\n\nChannel 0: Yep. Perfect. Now this one here, it breaks\n\nChannel 1: Yep.\n\nChannel 0: down your insurances in a little bit more detail, but lets you know that's all paid and up to date.\n\nChannel 1: No worries.\n\nChannel 0: Yep. And your next one.\n\nChannel 1: Is the services guide?\n\nChannel 0: Yep. So this one here, again, you probably have seen a couple of times, but it is just an updated version. It is one of those compliance documents, but it does\n\nChannel 1: Yep.\n\nChannel 0: give you all the important information in regards to us here at Oakview. Now you have access to have a look through this in your own time later as well.\n\nChannel 1: Yep.\n\nChannel 0: But, basically, none of the important information has changed since last time. We have had a bit of an extension to the team, which is good, and also done a little bit more updated marketing. So if you do want to scroll down to page 10, you should see a photo of myself. If you do wanna put a put a face to the voice again,\n\nChannel 1: Yep.\n\nChannel 0: which is, yeah, which is often nice as we're doing things over the phone so you actually can see who you're talking to.\n\nChannel 1: Yep. Yep. No. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: No. That's alright. Now next one for me, is that your ongoing service agreement? Does it have Hub twenty four consent to new ongoing\n\nChannel 1: Yep.\n\nChannel 0: fee arrangement? Yep.\n\nChannel 1: Oh,\n\nChannel 0: Perfect.\n\nChannel 1: hang on. Got option to provide tax file number.\n\nChannel 0: Okay. Yep.\n\nChannel 1: Have\n\nChannel 0: So\n\nChannel 1: you got my tax phone number?\n\nChannel 0: yes. So this one\n\nChannel 1: Uh-huh. Yeah.\n\nChannel 0: here,\n\nChannel 1: We\n\nChannel 0: it\n\nChannel 1: do.\n\nChannel 0: is just yeah. Just focus when we set up your super and everything, we do need the tax phone\n\nChannel 1: Yeah.\n\nChannel 0: number. This\n\nChannel 1: Yep.\n\nChannel 0: one here is just a compliance form to say that we are keeping your tax phone number secure and safe on\n\nChannel 1: Oh, okay.\n\nChannel 0: file.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: So\n\nChannel 1: do you\n\nChannel 0: if\n\nChannel 1: need me to sign that one?\n\nChannel 0: you\n\nChannel 1: That's\n\nChannel 0: Yes,\n\nChannel 1: the end.\n\nChannel 0: please.\n\nChannel 1: I've got nothing else after this one. I don't think.\n\nChannel 0: Let\n\nChannel 1: Unless\n\nChannel 0: me know.\n\nChannel 1: it's got here click to start, and I think I've gotta sign up.\n\nChannel 0: Okay. Yeah. If you can do for me, there should be two to sign. If not, I'll follow-up with the team after. But if you could\n\nChannel 1: Oh,\n\nChannel 0: add\n\nChannel 1: okay.\n\nChannel 0: the signature and date on this one, if you're happy with that.\n\nChannel 1: Do I hit click to start to do that?\n\nChannel 0: Yes.\n\nChannel 1: I\n\nChannel 0: Yes,\n\nChannel 1: think\n\nChannel 0: please.\n\nChannel 1: yep.\n\nChannel 0: Yep.\n\nChannel 1: Okay. So you've got my oh, yep. Fine.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Okay.\n\nChannel 0: Does it say next?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Sure. Yep.\n\nChannel 0: And where does the next take you to?\n\nChannel 1: Is that, like, 175650296? Should I hit? Was it 175650296?\n\nChannel 0: For the tax file number?\n\nChannel 1: The tax phone number. Yeah. It wanted\n\nChannel 0: I\n\nChannel 1: me\n\nChannel 0: can\n\nChannel 1: to put it in, and I've just typed\n\nChannel 0: oh, that's you can just put just leave it blank or do, like, a full stop because you shouldn't have to put the tax number\n\nChannel 1: it.\n\nChannel 0: in\n\nChannel 1: Oh,\n\nChannel 0: there.\n\nChannel 1: okay. 1\n\nChannel 0: Yeah.\n\nChannel 1: 176 yeah. Okay. It's very faint, but\n\nChannel 0: Okay.\n\nChannel 1: it's\n\nChannel 0: That's fine.\n\nChannel 1: like 175 the I can see it there, but it's just like if I go next,\n\nChannel 0: Mhmm.\n\nChannel 1: fill in. Yeah. It's just oh my gosh. What's happening? I'm losing it on the screen.\n\nChannel 0: That's okay. Because normally, it should just take you straight just to add in the little signetel. Like, you do you don't have to do like, fill in any tax on number or anything.\n\nChannel 1: Yeah. Which I've signed. I've\n\nChannel 0: Mhmm.\n\nChannel 1: put the date, and now I'm just, like, not being able to get to the next screen.\n\nChannel 0: Where\n\nChannel 1: Oh,\n\nChannel 0: does\n\nChannel 1: gosh.\n\nChannel 0: the if if it if it stops you in the other boxes, you can just do a full stop. Because if it's like a sometimes there's like a bug you have to put something, you can\n\nChannel 1: Okay.\n\nChannel 0: just do, like, a full stop or, like, a blank space because that sometimes\n\nChannel 1: So if\n\nChannel 0: will\n\nChannel 1: I\n\nChannel 0: then\n\nChannel 1: just\n\nChannel 0: let\n\nChannel 1: put\n\nChannel 0: you\n\nChannel 1: a dot in the tax\n\nChannel 0: mhmm.\n\nChannel 1: file number\n\nChannel 0: Yep. Does that let\n\nChannel 1: Yep.\n\nChannel 0: you go\n\nChannel 1: Oh,\n\nChannel 0: further?\n\nChannel 1: yeah. Now it's going next\n\nChannel 0: Yeah.\n\nChannel 1: document. Yep.\n\nChannel 0: Oh, perfect. I'm\n\nChannel 1: It's like\n\nChannel 0: talking\n\nChannel 1: going.\n\nChannel 0: to you. It's great\n\nChannel 1: Yep.\n\nChannel 0: when\n\nChannel 1: Okay.\n\nChannel 0: it works, but it is.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Do you have one more document saying consent to\n\nChannel 1: Yeah.\n\nChannel 0: a new perfect.\n\nChannel 1: It says, like, one one of three or something. Page one of three. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: And\n\nChannel 0: Correct.\n\nChannel 1: then the\n\nChannel 0: Yes.\n\nChannel 1: very end one. So\n\nChannel 0: Yes.\n\nChannel 1: now go\n\nChannel 0: Yep.\n\nChannel 1: signature\n\nChannel 0: Yep. Yep.\n\nChannel 1: and dates.\n\nChannel 0: And while you're signing this one, I'll just explain what it is. It is just your ongoing service agreement. So\n\nChannel 1: Yep.\n\nChannel 0: just to say, obviously, you're happy to stay on as a client. Now there is no changes to the fee structure. So because, obviously,\n\nChannel 1: Yep.\n\nChannel 0: both you and Peter is clients, you guys have that reduced ongoing advice fee, which is great,\n\nChannel 1: Mhmm.\n\nChannel 0: not increasing or anything. It stays exactly the same at 1.1\n\nChannel 1: Yep.\n\nChannel 0: from super, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. So this just lets us service your account and investments and insurance and everything for you in the meantime.\n\nChannel 1: No worries.\n\nChannel 0: Yep.\n\nChannel 1: So I just hit validate and send.\n\nChannel 0: Yes,\n\nChannel 1: Okay.\n\nChannel 0: please. And then it should load, and it will then send it back to me. And it will also allow you to if you would like later to go back and have a have a read through them, you can download them as well if you do.\n\nChannel 1: Yep.\n\nChannel 0: And if you can't, for any reason, access them, I always have a copy on the file. Now while that is loading, this is say this is say, oh, yep. Perfect. It's already come through, which is great. Sometimes\n\nChannel 1: Yep.\n\nChannel 0: it takes a little minute, so that is good. Now while I do have you on the phone, I'll book in a catch up to just go through that salary sacrifice and review of your investments a little bit. When is typically a best time for you\n\nChannel 1: Yep.\n\nChannel 0: to do that?\n\nChannel 1: What sort of time frame would you\n\nChannel 0: I usually need about a week to put it together, so I\n\nChannel 1: okay.\n\nChannel 0: could do Wednesday,\n\nChannel 1: Let me\n\nChannel 0: Thursday\n\nChannel 1: so\n\nChannel 0: next week.\n\nChannel 1: so Wednesday, Thursday next week, I'm on day shift. So I'll be working from six in the morning till 03:30 in the afternoon. So I generally get home anywhere between four, 04:30, depending\n\nChannel 0: Mhmm.\n\nChannel 1: on if\n\nChannel 0: Would\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: get\n\nChannel 0: be\n\nChannel 1: hold\n\nChannel 0: too\n\nChannel 1: up.\n\nChannel 0: tired to do it after\n\nChannel 1: So\n\nChannel 0: that?\n\nChannel 1: so yeah. Yeah. Yeah. I can do it in\n\nChannel 0: Okay.\n\nChannel 1: the afternoon. Yep.\n\nChannel 0: Because because I could so on Thursdays, I do work a little bit later.\n\nChannel 1: Yep.\n\nChannel 0: So so you don't have to rush, I could\n\nChannel 1: Yep.\n\nChannel 0: do let me see here. We're just a half an hour difference. So I could do five let me see here. I could do what time did you say you'd be home?\n\nChannel 1: 04:00.\n\nChannel 0: 04:00. So would about 04:30 be okay? That allows\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yep.\n\nChannel 0: bit of flexibility if you're running a bit\n\nChannel 1: Yep.\n\nChannel 0: late or if you need\n\nChannel 1: Yep.\n\nChannel 0: to eat something\n\nChannel 1: That's\n\nChannel 0: or\n\nChannel 1: fine.\n\nChannel 0: something before.\n\nChannel 1: Yeah. Yeah. No. That's fine.\n\nChannel 0: Okay. Perfect. So I can book that in. So that is next Thursday, the sixteenth\n\nChannel 1: Yep.\n\nChannel 0: of July, which feels pretty crazy. It's July\n\nChannel 1: Yeah. I\n\nChannel 0: already.\n\nChannel 1: know. Yep.\n\nChannel 0: And that will be up for thirty PM your time. It shouldn't\n\nChannel 1: Yep.\n\nChannel 0: take as long as today's conversation just to kind of go through those recommendations with you. If it is that you your shift changes, you have to work later, or, you know, something happens, just let me know because I can always just look to reschedule or shuffle a few things around\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: No\n\nChannel 0: you\n\nChannel 1: worries. Should\n\nChannel 0: if if\n\nChannel 1: be\n\nChannel 0: you don't.\n\nChannel 1: right. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: We\n\nChannel 0: Okay.\n\nChannel 1: don't you know, I'd hand over to someone. So yeah.\n\nChannel 0: Okay.\n\nChannel 1: Would\n\nChannel 0: Okay.\n\nChannel 1: only be if they call in sick and they say, oh, can you stay a bit longer? But\n\nChannel 0: Okay.\n\nChannel 1: hopefully not.\n\nChannel 0: Yeah. Yeah. If it happens, though, just let me know, and we can always reassess that. Otherwise, do you have any questions for\n\nChannel 1: Yep.\n\nChannel 0: me at this point before I let you go and enjoy\n\nChannel 1: No.\n\nChannel 0: your afternoon? No?\n\nChannel 1: No. All good. I think we've covered\n\nChannel 0: Alright.\n\nChannel 1: them along the way. Yep.\n\nChannel 0: Yes. Now like I said, I will give you a call next Thursday, July 16 at 04:30 your time and go through those couple of things. I will also get my team to email you that lawyer referral information\n\nChannel 1: Yep.\n\nChannel 0: just so that you have it in the inbox if it is something you guys do wanna have a look at.\n\nChannel 1: Lovely. Sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect. Well, thank you so much for your\n\nChannel 1: Awesome.\n\nChannel 0: time\n\nChannel 1: Yep.\n\nChannel 0: on the phone today, Sarah Jane, and I look forward to speaking with you next week.\n\nChannel 1: Thank you.\n\nChannel 0: Mhmm. No worries. We'll\n\nChannel 1: See\n\nChannel 0: speak\n\nChannel 1: you.\n\nChannel 0: soon.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Sarah speaking.","start":0.24,"end":0.98,"sentiment":"neutral","sentiment_score":0.02582383994013071}],"sentiment":"neutral","sentiment_score":0.02582383994013071,"channel":1,"num_words":2,"start":0.24,"end":0.98},{"sentences":[{"text":"Good morning.","start":1.8399999,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.30292339622974396},{"text":"This is Veronica from ICU Financial.","start":2.3999999,"end":4.42,"sentiment":"neutral","sentiment_score":0.2509268174568812},{"text":"How are 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get that loan value ratio down, you can get slightly better interest rate.","start":1409.21,"end":1415.13,"sentiment":"neutral","sentiment_score":0.2566709558169047},{"text":"You can pay things up quicker.","start":1415.13,"end":1417.31,"sentiment":"neutral","sentiment_score":0.3171405891577403},{"text":"Another","start":1417.9249,"end":1418.165,"sentiment":"neutral","sentiment_score":0.24647749960422516}],"sentiment":"neutral","sentiment_score":0.2726993350820108,"channel":0,"num_words":22,"start":1409.21,"end":1418.165},{"sentences":[{"text":"Yep.","start":1418.16,"end":1418.66,"sentiment":"neutral","sentiment_score":0.2600107789039612}],"sentiment":"neutral","sentiment_score":0.2600107789039612,"channel":1,"num_words":1,"start":1418.16,"end":1418.66},{"sentences":[{"text":"way is changing the structure.","start":1418.165,"end":1419.845,"sentiment":"neutral","sentiment_score":0.2630208134651184},{"text":"So you guys are already paying fortnightly, which is 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account again, which is great.","start":1431.445,"end":1433.465,"sentiment":"positive","sentiment_score":0.5403538992007574},{"text":"Sorry.","start":1435.6599,"end":1436.0599,"sentiment":"neutral","sentiment_score":0.30636805295944214},{"text":"I think you guys are are on track pretty good","start":1436.0599,"end":1438.94,"sentiment":"positive","sentiment_score":0.35592005103826524}],"sentiment":"positive","sentiment_score":0.4180995269733317,"channel":0,"num_words":17,"start":1431.445,"end":1438.94},{"sentences":[{"text":"Yeah.","start":1438.71,"end":1439.21,"sentiment":"neutral","sentiment_score":0.24223914742469788}],"sentiment":"neutral","sentiment_score":0.24223914742469788,"channel":1,"num_words":1,"start":1438.71,"end":1439.21},{"sentences":[{"text":"for where things are at when it comes to that.","start":1438.94,"end":1441.1799,"sentiment":"neutral","sentiment_score":0.15875357389450073},{"text":"But, obviously, if there's anything else that you guys need assistance with at 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portfolio.","start":2053.03,"end":2056.73,"sentiment":"neutral","sentiment_score":0.10029968483881517}],"sentiment":"neutral","sentiment_score":0.10029968483881517,"channel":0,"num_words":11,"start":2053.03,"end":2056.73},{"sentences":[{"text":"Yep.","start":2057.225,"end":2057.725,"sentiment":"neutral","sentiment_score":0.06437437236309052}],"sentiment":"neutral","sentiment_score":0.06437437236309052,"channel":1,"num_words":1,"start":2057.225,"end":2057.725},{"sentences":[{"text":"Do you remember like, do you know the difference between a growth and a high growth investor?","start":2057.75,"end":2062.795,"sentiment":"neutral","sentiment_score":0.007942528025630642},{"text":"Have you heard much about it?","start":2063.175,"end":2064.795,"sentiment":"neutral","sentiment_score":-0.005401312684019406}],"sentiment":"neutral","sentiment_score":0.004461526101374108,"channel":0,"num_words":23,"start":2057.75,"end":2064.795},{"sentences":[{"text":"Probably not.","start":2065.08,"end":2065.9602,"sentiment":"neutral","sentiment_score":-0.10642174258828163},{"text":"Can't remember.","start":2065.9602,"end":2066.7002,"sentiment":"neutral","sentiment_score":-0.06447841785848141}],"sentiment":"neutral","sentiment_score":-0.08545008022338152,"channel":1,"num_words":4,"start":2065.08,"end":2066.7002},{"sentences":[{"text":"No.","start":2066.615,"end":2067.115,"sentiment":"neutral","sentiment_score":-0.13361889123916626},{"text":"No.","start":2067.175,"end":2067.4949,"sentiment":"neutral","sentiment_score":-0.1370227038860321},{"text":"That's okay.","start":2067.4949,"end":2068.055,"sentiment":"neutral","sentiment_score":-0.04506627283990383},{"text":"Most people will sound like, oh, can you just find out me again?","start":2068.055,"end":2070.7148,"sentiment":"neutral","sentiment_score":0.009276657436902706}],"sentiment":"neutral","sentiment_score":-0.014128093772074756,"channel":0,"num_words":17,"start":2066.615,"end":2070.7148},{"sentences":[{"text":"Yeah.","start":2070.6802,"end":2071.1802,"sentiment":"neutral","sentiment_score":0.07508938014507294}],"sentiment":"neutral","sentiment_score":0.07508938014507294,"channel":1,"num_words":1,"start":2070.6802,"end":2071.1802},{"sentences":[{"text":"Basically, both a high growth and a growth investor are similar in that you're looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time.","start":2072.31,"end":2082.1702,"sentiment":"neutral","sentiment_score":0.19557337590626309},{"text":"But, also, that you are comfortable experiencing some level of fluctuations in order to achieve that.","start":2082.23,"end":2088.705,"sentiment":"neutral","sentiment_score":0.09718174021691084}],"sentiment":"neutral","sentiment_score":0.1647054117684271,"channel":0,"num_words":51,"start":2072.31,"end":2088.705},{"sentences":[{"text":"Yep.","start":2089.1748,"end":2089.6748,"sentiment":"neutral","sentiment_score":0.1863952875137329}],"sentiment":"neutral","sentiment_score":0.1863952875137329,"channel":1,"num_words":1,"start":2089.1748,"end":2089.6748},{"sentences":[{"text":"Now the difference between them is that in a high growth portfolio, typically, we invest 90% in what we call your growth assets.","start":2089.3252,"end":2102.5,"sentiment":"neutral","sentiment_score":0.19652613738308783},{"text":"So that","start":2102.9602,"end":2103.36,"sentiment":"neutral","sentiment_score":0.2666138783097267}],"sentiment":"neutral","sentiment_score":0.20213315665721893,"channel":0,"num_words":25,"start":2089.3252,"end":2103.36},{"sentences":[{"text":"Yep.","start":2103.29,"end":2103.79,"sentiment":"neutral","sentiment_score":0.2673901319503784}],"sentiment":"neutral","sentiment_score":0.2673901319503784,"channel":1,"num_words":1,"start":2103.29,"end":2103.79},{"sentences":[{"text":"is a combination of Australian shares, international shares, and property as well.","start":2103.36,"end":2109.54,"sentiment":"neutral","sentiment_score":0.2354527972638607},{"text":"And that is basically what's going to kind of maximize that return for you and about 10% in defensive to limit fluctuations a little bit, and that will be things like cash, fixed interest, and gold as well.","start":2109.9202,"end":2124.405,"sentiment":"neutral","sentiment_score":0.30570423524630697}],"sentiment":"neutral","sentiment_score":0.28884389013051986,"channel":0,"num_words":50,"start":2103.36,"end":2124.405},{"sentences":[{"text":"Yep.","start":2124.97,"end":2125.47,"sentiment":"neutral","sentiment_score":0.11516492068767548}],"sentiment":"neutral","sentiment_score":0.11516492068767548,"channel":1,"num_words":1,"start":2124.97,"end":2125.47},{"sentences":[{"text":"Now the growth portfolio, it's about a 10% difference.","start":2125.2,"end":2128.98,"sentiment":"neutral","sentiment_score":0.1215893245405621},{"text":"So it's about eighty twenty.","start":2129.44,"end":2131.38,"sentiment":"neutral","sentiment_score":0.13766495436429976},{"text":"So 80% in growth.","start":2131.44,"end":2132.96,"sentiment":"neutral","sentiment_score":0.1687636636197567},{"text":"So still a big amount, obviously, with focus towards growth, but 20 in defensive.","start":2132.96,"end":2138.9,"sentiment":"neutral","sentiment_score":0.1738379815859454}],"sentiment":"neutral","sentiment_score":0.15285672154277563,"channel":0,"num_words":32,"start":2125.2,"end":2138.9},{"sentences":[{"text":"Yep.","start":2139.0051,"end":2139.405,"sentiment":"neutral","sentiment_score":0.09935532510280608},{"text":"Yep.","start":2139.405,"end":2139.905,"sentiment":"neutral","sentiment_score":0.1053636372089386}],"sentiment":"neutral","sentiment_score":0.10235948115587234,"channel":1,"num_words":2,"start":2139.0051,"end":2139.905},{"sentences":[{"text":"Now what also comes into play is a time frame because you also wanna make sure, like you touched on as well, that you wanna make sure you have enough time in the market.","start":2139.845,"end":2150.025,"sentiment":"neutral","sentiment_score":0.12702812144861503},{"text":"So in a growth portfolio, ideally, we would like to see about at least six years until retirement,","start":2151.2048,"end":2159.06,"sentiment":"neutral","sentiment_score":0.15970010600156254}],"sentiment":"neutral","sentiment_score":0.13833765456309685,"channel":0,"num_words":52,"start":2139.845,"end":2159.06},{"sentences":[{"text":"Yep.","start":2159.8901,"end":2160.3901,"sentiment":"neutral","sentiment_score":0.155177503824234}],"sentiment":"neutral","sentiment_score":0.155177503824234,"channel":1,"num_words":1,"start":2159.8901,"end":2160.3901},{"sentences":[{"text":"a high growth, typically, at least eight years.","start":2160.24,"end":2163.62,"sentiment":"neutral","sentiment_score":0.18996992520987988}],"sentiment":"neutral","sentiment_score":0.18996992520987988,"channel":0,"num_words":8,"start":2160.24,"end":2163.62},{"sentences":[{"text":"Right.","start":2164.2751,"end":2164.675,"sentiment":"neutral","sentiment_score":0.15959087014198303},{"text":"Okay.","start":2164.675,"end":2165.175,"sentiment":"neutral","sentiment_score":0.16320225596427915}],"sentiment":"neutral","sentiment_score":0.1613965630531311,"channel":1,"num_words":2,"start":2164.2751,"end":2165.175},{"sentences":[{"text":"What do you think of that?","start":2167.615,"end":2168.895,"sentiment":"neutral","sentiment_score":0.1462295005718867},{"text":"Are you still happy to kind of maintain your growth portfolio?","start":2168.895,"end":2172.2751,"sentiment":"neutral","sentiment_score":0.20024712925607507},{"text":"Because if you do move to a high growth, yes, long term, you can have more growth, but short term, you will have a bit more of those ups and downs.","start":2172.3352,"end":2180.435,"sentiment":"neutral","sentiment_score":-0.13493872265661916},{"text":"Or are you quite happy with the level of risk you are taking on at the moment in your your growth portfolio, which is still targeted towards obviously growing your superannuation?","start":2181.62,"end":2190.76,"sentiment":"neutral","sentiment_score":-0.1562275532032213}],"sentiment":"neutral","sentiment_score":-0.07526657122034061,"channel":0,"num_words":79,"start":2167.615,"end":2190.76},{"sentences":[{"text":"I really don't know.","start":2193.605,"end":2194.9849,"sentiment":"neutral","sentiment_score":-0.2447851486504078}],"sentiment":"neutral","sentiment_score":-0.2447851486504078,"channel":1,"num_words":4,"start":2193.605,"end":2194.9849},{"sentences":[{"text":"No.","start":2196.035,"end":2196.535,"sentiment":"neutral","sentiment_score":-0.29617273807525635},{"text":"Like, your","start":2196.755,"end":2197.555,"sentiment":"neutral","sentiment_score":-0.22812072932720184}],"sentiment":"neutral","sentiment_score":-0.25080473224322003,"channel":0,"num_words":3,"start":2196.035,"end":2197.555},{"sentences":[{"text":"I","start":2197.525,"end":2198.025,"sentiment":"neutral","sentiment_score":-0.17604948580265045}],"sentiment":"neutral","sentiment_score":-0.17604948580265045,"channel":1,"num_words":1,"start":2197.525,"end":2198.025},{"sentences":[{"text":"because you yep.","start":2197.795,"end":2199.155,"sentiment":"neutral","sentiment_score":-0.20678472518920898},{"text":"You go.","start":2199.155,"end":2199.4749,"sentiment":"neutral","sentiment_score":-0.17862234264612198},{"text":"Sorry.","start":2199.4749,"end":2199.9749,"sentiment":"neutral","sentiment_score":-0.1342848390340805}],"sentiment":"neutral","sentiment_score":-0.18531394998232523,"channel":0,"num_words":6,"start":2197.795,"end":2199.9749},{"sentences":[{"text":"I was gonna say, like, from what I've seen, I feel like it's doing well,","start":2200.25,"end":2205.23,"sentiment":"neutral","sentiment_score":0.12747310946385065}],"sentiment":"neutral","sentiment_score":0.12747310946385065,"channel":1,"num_words":15,"start":2200.25,"end":2205.23},{"sentences":[{"text":"Yes.","start":2205.81,"end":2206.31,"sentiment":"neutral","sentiment_score":-0.003196433186531067}],"sentiment":"neutral","sentiment_score":-0.003196433186531067,"channel":0,"num_words":1,"start":2205.81,"end":2206.31},{"sentences":[{"text":"but I don't know what to compare to.","start":2206.5698,"end":2208.73,"sentiment":"neutral","sentiment_score":-0.2928774058818817},{"text":"Do you know what I mean?","start":2208.73,"end":2209.45,"sentiment":"neutral","sentiment_score":-0.18901518732309341},{"text":"Like and I don't","start":2209.45,"end":2210.0898,"sentiment":"neutral","sentiment_score":-0.17105259746313095}],"sentiment":"neutral","sentiment_score":-0.23118448671367434,"channel":1,"num_words":18,"start":2206.5698,"end":2210.0898},{"sentences":[{"text":"Yeah.","start":2210.05,"end":2210.55,"sentiment":"neutral","sentiment_score":-0.14397504925727844}],"sentiment":"neutral","sentiment_score":-0.14397504925727844,"channel":0,"num_words":1,"start":2210.05,"end":2210.55},{"sentences":[{"text":"know how volatile that would make it if I went to the next one.","start":2210.0898,"end":2213.95,"sentiment":"neutral","sentiment_score":-0.29597653661455425}],"sentiment":"neutral","sentiment_score":-0.29597653661455425,"channel":1,"num_words":14,"start":2210.0898,"end":2213.95},{"sentences":[{"text":"Yes.","start":2214.29,"end":2214.79,"sentiment":"neutral","sentiment_score":0.10890083014965056},{"text":"Yes.","start":2214.85,"end":2215.25,"sentiment":"neutral","sentiment_score":0.2314584106206894},{"text":"That totally makes sense.","start":2215.25,"end":2216.29,"sentiment":"positive","sentiment_score":0.4266812801361084},{"text":"Now having a look at your portfolio, especially because we have had a bit of term loans, things are are doing pretty good.","start":2216.29,"end":2221.595,"sentiment":"positive","sentiment_score":0.498189029486283},{"text":"Your salary sacrificing will also boost things 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super.","start":2231.9949,"end":2236.8,"sentiment":"neutral","sentiment_score":0.035038582542363333},{"text":"If you decide to stop working, you can access super at 60.","start":2236.8,"end":2240.58,"sentiment":"neutral","sentiment_score":-0.035952954242626824}],"sentiment":"neutral","sentiment_score":0.013332052909313365,"channel":0,"num_words":47,"start":2227.035,"end":2240.58},{"sentences":[{"text":"Yeah.","start":2240.69,"end":2241.17,"sentiment":"neutral","sentiment_score":0.0694228857755661},{"text":"Yeah.","start":2241.17,"end":2241.67,"sentiment":"neutral","sentiment_score":0.10676227509975432}],"sentiment":"neutral","sentiment_score":0.08809258043766022,"channel":1,"num_words":2,"start":2240.69,"end":2241.67},{"sentences":[{"text":"So that six years is kind of a good time 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suitable.","start":2263.9001,"end":2267.12,"sentiment":"neutral","sentiment_score":0.08542203903198242}],"sentiment":"neutral","sentiment_score":0.08542203903198242,"channel":0,"num_words":9,"start":2263.9001,"end":2267.12},{"sentences":[{"text":"Yeah.","start":2267.6902,"end":2268.1902,"sentiment":"neutral","sentiment_score":0.11776089668273926}],"sentiment":"neutral","sentiment_score":0.11776089668273926,"channel":1,"num_words":1,"start":2267.6902,"end":2268.1902},{"sentences":[{"text":"And what I will do anyway is when I do have a look at the salary sacrifice, a bit of an update on your investments, especially with your new income, which makes a big difference.","start":2268.78,"end":2279.5151,"sentiment":"neutral","sentiment_score":0.1461455638919558},{"text":"I will have a look at your investments as 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time of year now where we're sort of doing reviews and","start":2317.18,"end":2320.88,"sentiment":"neutral","sentiment_score":0.035641610622406006}],"sentiment":"neutral","sentiment_score":0.035641610622406006,"channel":1,"num_words":14,"start":2317.18,"end":2320.88},{"sentences":[{"text":"Mhmm.","start":2321.63,"end":2322.13,"sentiment":"neutral","sentiment_score":-0.04713303968310356}],"sentiment":"neutral","sentiment_score":-0.04713303968310356,"channel":0,"num_words":1,"start":2321.63,"end":2322.13},{"sentences":[{"text":"it's not guaranteed that you get it?","start":2322.38,"end":2324.46,"sentiment":"neutral","sentiment_score":-0.06655146713767733},{"text":"But, 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from ICU Financial call customers to confirm personal information and discuss their financial situation, including retirement plans and income. They provide advice on retirement goals and plans for health insurance and retirement protection. The representatives also provide information on working from home and scheduling follow-up calls for Thursday. Customers are advised to let the agents know about their shifts and rescheduling if needed."},"intents":{"segments":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep.","start_word":49,"end_word":80,"intents":[{"intent":"Record calls for security purposes","confidence_score":0.000005369736}]},{"text":"But, otherwise, the first thing I do like to kind of run through, it is just a bit of an updated fact find just to see what kind of you know, if there's anything major that has changed in your life and if you need to make any tweaks and changes to your advice as a result. 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So it does save you a little bit in tax, which is great. And Yep.","start_word":1703,"end_word":1733,"intents":[{"intent":"Improve pay performance","confidence_score":0.002581872}]},{"text":"then this is how much extra is boosting your superannuation to give you that kind of Yep.","start_word":1733,"end_word":1749,"intents":[{"intent":"Enhance superannuation","confidence_score":0.011153867}]},{"text":"Or, oh, actually, I could do a little bit more, or maybe I wanna start with a little bit less and then always adjust Yep.","start_word":1761,"end_word":1785,"intents":[{"intent":"Start with lower dollar value","confidence_score":0.044644542},{"intent":"Adjust amount","confidence_score":0.06530532}]},{"text":"So, basically, what they do is that if you have unused space, basically, from previous way where you haven't used up everything, there are different strategies we can do to make previous year's contributions to catch up.","start_word":1938,"end_word":1974,"intents":[{"intent":"Make contributions","confidence_score":0.029353369}]},{"text":"If it is something you want me to, so because I can reassess your super now with your income. What Yep.","start_word":2042,"end_word":2062,"intents":[{"intent":"Calculate super payout and income difference","confidence_score":1.962715e-9}]},{"text":"I can do for you is part of it is I if you are comfortable with it, is that I can include a salary sacrifice contribution now if you would like showing a $100 a fortnight. Yeah. Yeah.","start_word":2062,"end_word":2099,"intents":[{"intent":"Provide salary sacrifice contribution","confidence_score":0.003840888}]},{"text":"literally $2,000 less Yep. a year, roughly, Yep. a little bit more. So it's Yep. not and then if you divide that, obviously, on a monthly or weekly, like, it doesn't make Yep. a massive Huge difference, difference. Yep. but it could boost your suit because, obviously, the more money you have even in a year, it all compounds and grows. Yep.","start_word":2301,"end_word":2362,"intents":[{"intent":"Estimate total cost","confidence_score":0.00006283816}]},{"text":"So what I can do is I can include it, and it's not obligation, but I can include it Yep. for you so that you can see what starting salary sacrificing at about a $100 per fortnight would look like. And Yep.","start_word":2365,"end_word":2406,"intents":[{"intent":"Include salary sacrifice projections","confidence_score":0.098185465}]},{"text":"Now with SuperDart, are you, at the moment, still planning on retiring about 65, or I mean, what are you ideally, thinking?","start_word":2470,"end_word":2491,"intents":[{"intent":"Determine retirement planning","confidence_score":0.012872594}]},{"text":"factor for us is we have a mortgage. So Yes. yeah.","start_word":2508,"end_word":2518,"intents":[{"intent":"Reflect on refinancing and mortgage","confidence_score":8.4735814e-7}]},{"text":"are you guys paying the mortgage? What frequency at the moment? Is that monthly or fortnightly?","start_word":2545,"end_word":2560,"intents":[{"intent":"Determine mortgage payment frequency","confidence_score":0.64014655}]},{"text":"So but we have now because it was where we do all our banking as well, we were able to utilize an offset account, and that's probably Yes.","start_word":2620,"end_word":2647,"intents":[{"intent":"Utilize offset account","confidence_score":0.09313944}]},{"text":"And when you refinance the mortgage, do you know did did they give you evaluation on the property as well? Yeah.","start_word":2766,"end_word":2786,"intents":[{"intent":"Assess mortgage options","confidence_score":0.004214004}]},{"text":"And that's what most people say as well if it's, like obviously, depends on how extravagant you want in your retirement. Yeah.","start_word":3120,"end_word":3141,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.14680529}]},{"text":"And do you have private health insurance? Yes. I do.","start_word":3463,"end_word":3472,"intents":[{"intent":"Confirm insurance coverage","confidence_score":0.0012201105}]},{"text":"But, otherwise, obviously, for your beneficiary, sorry, in the event that something were to happen to you, because your superannuation and insurance does not form part of the estate automatically, you can make those direct nominations, which at the moment, we have going through Peter. Is that still the Yeah.","start_word":3694,"end_word":3743,"intents":[{"intent":"Make direct nominations","confidence_score":0.7314889}]},{"text":"because then you can put different kind of succession in plan Yeah.","start_word":3789,"end_word":3800,"intents":[{"intent":"Confirm succession plan","confidence_score":0.026747111}]},{"text":"Adult children may have to pay a bit of tax if it goes to them. So Right.","start_word":3831,"end_word":3847,"intents":[{"intent":"Consider tax deduction","confidence_score":0.019068584}]},{"text":"Otherwise, aside from your, obviously, the salary sacrifice and, obviously, settling to your job and everything, do you guys have a focusing on reducing the mortgage? Do you guys have any other financial goals that you are working towards? Not really.","start_word":3922,"end_word":3962,"intents":[{"intent":"Discuss income goals","confidence_score":0.00074651197},{"intent":"Discuss financial goals","confidence_score":0.004447381}]},{"text":"Now, otherwise, when it comes to your superannuation, what I will do is just quickly go through just another risk profile questionnaire with you just to see if your risk tolerance has changed.","start_word":4188,"end_word":4220,"intents":[{"intent":"Discuss risk profile","confidence_score":0.012670378},{"intent":"Discuss risk tolerance","confidence_score":0.04582945},{"intent":"Evaluate risk tolerance","confidence_score":0.013112234}]},{"text":"Now, otherwise, when it comes to your superannuation, what I will do is just quickly go through just another risk profile questionnaire with you just to see if your risk tolerance has changed. Now think of these questions as well in regards to your superannuation, so obviously being a little bit more Yep. long term. And Yep.","start_word":4188,"end_word":4244,"intents":[{"intent":"Assess superannuation","confidence_score":0.0006130209}]},{"text":"And if you which one would you lean more towards? I don't know. I'm probably, like, in the middle. Like, I can Mhmm.","start_word":4361,"end_word":4383,"intents":[{"intent":"Evaluate decision","confidence_score":0.008798384}]},{"text":"that there's obviously been a bit of bit of turbulence in the market Yep. the last twelve months. Obviously, everything in The US and Yep. Trump and tariffs and everything saw a bit of fluctuation. And, obviously, more recently with the war as well, it has seen Yep. a bit of fluctuation.","start_word":4748,"end_word":4799,"intents":[{"intent":"Analyze market dynamics","confidence_score":0.009003369}]},{"text":"And I guess it would be a tax Mhmm.","start_word":5468,"end_word":5476,"intents":[{"intent":"Analyze tax implications","confidence_score":0.01989092}]},{"text":"I was gonna say, like, from what I've seen, I feel like it's doing well, Yes.","start_word":6231,"end_word":6246,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.31053624}]},{"text":"And then I can if if I do do the research and feel like there is one or two we wanna swap out, then I can put that together for you, but still Yep. maintaining the level of risk by making Yep. sure everything is working smoothly for you. Yep.","start_word":6510,"end_word":6559,"intents":[{"intent":"Swap jobs","confidence_score":0.36459577}]},{"text":"And can I make so something else, this job that I'm actually in, I do have a bonus attached to my salary, and Okay.","start_word":6561,"end_word":6584,"intents":[{"intent":"Make changes","confidence_score":0.26604745},{"intent":"Discuss bonus benefits","confidence_score":0.013140845}]},{"text":"Does that affect that, you know, that threshold, that 32,000? Yes. You Sorry.","start_word":6685,"end_word":6697,"intents":[{"intent":"Discuss bonus pay rate","confidence_score":0.0000063927578}]},{"text":"So what is your first attachment that you can see?","start_word":7596,"end_word":7605,"intents":[{"intent":"Confirm attachment","confidence_score":0.04324566}]},{"text":"So I've got summary of superannuation and insurance. Yep.","start_word":7692,"end_word":7700,"intents":[{"intent":"Provide summary of superannuation and insurance","confidence_score":0.021780068}]},{"text":"Now I did have one question for you, and I'll ask Peter the same for your HUB24. So with HUB24, they have a feature which is called family linking. Alright.","start_word":7833,"end_word":7862,"intents":[{"intent":"Inquire about family linking","confidence_score":0.012813379}]},{"text":"So what that would mean is that Hub twenty four assesses your combined superannuation balance when they are calculating discount on administration fee.","start_word":7903,"end_word":7925,"intents":[{"intent":"Determine discount on administration fee","confidence_score":0.021856619}]},{"text":"So it does make it a little bit cheaper. So instead of it being just on your super balance and it's on his super balance, having them linked together, it's just a way for them to giving a bit of a discount to tryna promote as well having, you know, multiple accounts together Yep.","start_word":7927,"end_word":7980,"intents":[{"intent":"Provide discount","confidence_score":0.08344521}]},{"text":"Another thing is that we can have it so you guys can view each other's accounts if that is something that you want.","start_word":8005,"end_word":8027,"intents":[{"intent":"View accounts","confidence_score":0.65523034}]},{"text":"Is that something you guys want to add, or do you kinda prefer to have it a bit more separate? Yeah.","start_word":8091,"end_word":8111,"intents":[{"intent":"Add separate accounts","confidence_score":0.027909707}]},{"text":"Is that in any point you're trying to send me an email, say, hey. We would like to do the family Yeah. linking. Yeah. Just Yeah. let me know. But, otherwise, I'll just leave it for now. Yeah.","start_word":8165,"end_word":8202,"intents":[{"intent":"Link accounts","confidence_score":0.17559265}]},{"text":"So you have some insurance with MetLife. Now Yep. you have a life and total permanent disability insurance, and that is 525,000 if something were Yep. to happen. Yep.","start_word":8212,"end_word":8240,"intents":[{"intent":"Share insurance coverage","confidence_score":0.0053074365}]},{"text":"Now with your income protection, though, because your income has gone up quite a bit, which is great, it will mean that you are a little bit underinsured for income protection. Yeah.","start_word":8301,"end_word":8332,"intents":[{"intent":"Check income","confidence_score":0.0003856531}]},{"text":"So this one here gives you a bit of a twelve month snapshot of your portfolio. Now the Yep.","start_word":8696,"end_word":8714,"intents":[{"intent":"Review portfolio","confidence_score":0.08297886}]},{"text":"yeah, so part of, obviously, the research I will do for you is I do wanna review one of those investments in a little bit more detail, and that is the Benelong Australian Equity. It has underperformed a little bit recently. So I just wanna kind of reassess that one a little bit more for you to see if we should change it. Yep.","start_word":8834,"end_word":8897,"intents":[{"intent":"Review investment proposal","confidence_score":0.066373676}]},{"text":"one here is just a compliance form to say that we are keeping your tax phone number secure and safe on Oh, okay.","start_word":9333,"end_word":9355,"intents":[{"intent":"Provide tax phone number","confidence_score":0.018025097}]},{"text":"one here is just a compliance form to say that we are keeping your tax phone number secure and safe on Oh, okay. file.","start_word":9333,"end_word":9356,"intents":[{"intent":"Complete form","confidence_score":0.013138649}]},{"text":"And So do you if need me to sign that one? you That's Yes, the end. please. I've got nothing else after this one. I don't think. Let Unless me know. it's got here click to start, and I think I've gotta sign up. Okay.","start_word":9358,"end_word":9402,"intents":[{"intent":"Sign up","confidence_score":0.8465206}]},{"text":"If you can do for me, there should be two to sign. If not, I'll follow-up with the team after. But if you could Oh, add okay.","start_word":9404,"end_word":9430,"intents":[{"intent":"Follow-up with team","confidence_score":0.1679812}]},{"text":"the signature and date on this one, if you're happy with that. Do I hit click to start to do that? Yes.","start_word":9431,"end_word":9452,"intents":[{"intent":"Add signature","confidence_score":0.11046156}]},{"text":"Does it say next? Yep.","start_word":9470,"end_word":9474,"intents":[{"intent":"Confirm next step","confidence_score":0.002151421}]},{"text":"So I just hit validate and send. Yes, Okay. please.","start_word":9936,"end_word":9945,"intents":[{"intent":"Validate and send document","confidence_score":0.087389916}]},{"text":"Now while I do have you on the phone, I'll book in a catch up to just go through that salary sacrifice and review of your investments a little bit.","start_word":10042,"end_word":10071,"intents":[{"intent":"Book a meeting","confidence_score":0.18869892}]}]},"sentiments":{"segments":[{"text":"Sarah speaking. Good morning. This is Veronica from ICU Financial. How are you?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.2059846669435501},{"text":"Good.","start_word":13,"end_word":13,"sentiment":"positive","sentiment_score":0.3645332753658294},{"text":"How are you?","start_word":14,"end_word":16,"sentiment":"neutral","sentiment_score":0.2424158751964569},{"text":"I am good. Thanks. That's good. I had you booked in to go over your annual review.","start_word":17,"end_word":33,"sentiment":"positive","sentiment_score":0.5040717720985413},{"text":"Is now still a good time for you? Ah, yes. It is.","start_word":34,"end_word":45,"sentiment":"neutral","sentiment_score":0.24262820184230804},{"text":"Thanks.","start_word":46,"end_word":46,"sentiment":"positive","sentiment_score":0.4600612223148346},{"text":"Yeah.","start_word":47,"end_word":47,"sentiment":"neutral","sentiment_score":0.25747931003570557},{"text":"Perfect.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.38904231786727905},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. That's fine. Perfect. And just for security purposes so that I can confirm I am speaking with the right person, could I just get you to confirm your full name and date of birth and address for me, please? Yep. Sarah Jane Schembri. Seventeenth of eleventh seventy two. Address, 17 Gairdner Lane, Mawson Lake, South Australia 5095.","start_word":49,"end_word":137,"sentiment":"neutral","sentiment_score":0.06625179201364517},{"text":"Perfect. That's exactly what I have here.","start_word":138,"end_word":144,"sentiment":"positive","sentiment_score":0.4622022211551666},{"text":"And how's your morning been? Been busy? Yeah. No. Like, I'm on afternoon shift. So, yeah, I I'm a shift worker now. So I'm on afternoon to where I work. Start at three, finish sort of anywhere up to midnight. Oh, So yeah. yeah. Yeah. Did So you wake it's kind up late of yesterday? yeah. I woke up late today. Not sometimes I wake up sort of by nine, but today it was, like, 10:00 and I was like, woah. That's okay. Sometimes Yeah. So you need. that's right. Sometimes you need it. That's right. Now before I kind of jump into things there with you, I do normally like to start by asking if there is anything specific that you were hoping to get out of the review today or any areas you would like me to focus a little bit more on or just a bit of an update to kind of see where everything's at? Yeah. I guess this is kind of my first one since, you know, having everything set up. So, Yeah. you know, I'm just kind of gonna run with it and Yeah. learn and then see see where where it goes, I suppose. Yeah. I don't Yeah. have anything sort of preplanned. But yeah. No. Just like obviously, I keep an update every now Yes. and then I have a look at my super balance. But yeah. Just guided by you, really, Yeah. for Well, the if moment. you do think if you do think of any particular questions as we go through, Yeah. Yeah. obviously, just let me know. Yeah. Absolutely. But, otherwise, the first thing I do like to kind of run through, it is just a bit of an updated fact find just to see what kind of you know, if there's anything major that has changed in your life and if you need to make any tweaks and changes to your advice as a result. Yep. So just bear with me as I kind of go through this information. Yeah. No worries. Now when it comes to your personal details, I have you here in a de facto relationship and two financial dependents. Is that correct? Yeah. That's correct. So, yep, relationship's still the same. Yep. And, yeah, two kids, like I guess my son's, like, almost 20. Yep. Yep. But, yeah, like, they're still sort of living with me on one week on, one week off. So, Yep. yeah. Okay.","start_word":145,"end_word":557,"sentiment":"neutral","sentiment_score":0.051107606000422565},{"text":"Perfect.","start_word":558,"end_word":558,"sentiment":"positive","sentiment_score":0.4309430718421936},{"text":"So still kind of obviously relying on Yep. you for Yeah. some financial support. Some Yep. Perfect. yeah. Yeah. No. That's weird. But I just don't have his school fees anymore, which is amazing. So Yeah. just I just can my imagine. daughter's. Yeah. Yeah. Takes a little little pressure off anyway, especially with all the living expenses and everything Yeah. nowadays. Now occupation wise, obviously, I know you're doing a shift work now. Are Yeah. you still doing the same type of role, though, or is I it different? can't remember. Was I in I think I was in a when I was Yes. talking to you, but was I in the admin role training? Yes. Training Can't and development. yeah. So I think my Yes. salary was around the 80 k. Yes. Correct. So, no, I've got another job since then. Mhmm. Still in the same company, Yep. but now I work out at the terminal where the trains are. So my salary is I've had a really significant salary increase.","start_word":559,"end_word":731,"sentiment":"neutral","sentiment_score":0.026174501101405633},{"text":"So Oh, nice.","start_word":732,"end_word":734,"sentiment":"positive","sentiment_score":0.5547419190406799},{"text":"Yeah. so I was on I think it was it worked out to be just under 80 k plus super. Yes. Now I'm on a 116 plus super. So Oh, wow. hence, That's why nice. my super contributions should have been up Yes. a fair bit. Yes. Yeah. Okay.","start_word":735,"end_word":783,"sentiment":"neutral","sentiment_score":0.15970394015312195},{"text":"Perfect. So that's good.","start_word":784,"end_word":787,"sentiment":"positive","sentiment_score":0.5504297614097595},{"text":"Now what's your title at the moment? Is it still training and development, or No. is it different? It's terminal logistics specialist. And do you work predominantly on the terminal, or would you ever, like, So step I'm at off the the tracks? I'm I'm still computer based, Okay. Yep. so I'm not, like, out interfacing with the trains or anything. I actually Yep. am the one that plans the freight to go on and builds the consists for the train drivers and deals Yes. with all the customer container issues Mhmm. sort of thing. So it's still an admin focused Okay. Good. role, but just out Yep. at the terminal where the trains come and go, like arrive Yep. and depart trains and all that. Yep. Okay. Perfect. And still working full time? Yes. Yep. Yep. Okay. Perfect. But, basically, a 100% office Yep. based for you, Yeah. like, your Yeah. role. Yeah. Yeah. Yeah. I'm I'm in high vis, but I'm literally Mhmm. in the office all day. Don't barely step away from the computer. Yeah. No. And are you liking it so far? Yeah. It was really Yeah? challenging at first, and I did almost because I've never been a shift worker either. So I'd it was challenging to learn, and I will admit that I was almost gonna throw it in and go back to training because they didn't want to lose me. But I pushed through, and I've come out the other side, and I'm definitely, like, financially better off. And, Yeah. yeah, I actually so I work compressed hours. So, like, this week, I'll do Monday to Friday, three till midnight, but then I get Saturday, Sunday, Monday, Tuesday off. Mhmm.","start_word":788,"end_word":1074,"sentiment":"neutral","sentiment_score":0.012308743845619497},{"text":"Oh, And that's nice.","start_word":1075,"end_word":1078,"sentiment":"positive","sentiment_score":0.5375309586524963},{"text":"then I go back next Wednesday, and I do seven day shift straight, but then I get five off. So I'm Oh, okay. always having a four and five day weekend.","start_word":1079,"end_word":1109,"sentiment":"neutral","sentiment_score":0.19849324226379397},{"text":"So, Oh, yeah, that's I'm nice. I'm kinda hoping I can see this through till retirement if that makes sense.","start_word":1110,"end_word":1129,"sentiment":"positive","sentiment_score":0.4677259624004364},{"text":"Yeah. No. It does. And it might be a good opportunity as well to kind of obviously, with the the changing your income, obviously, having more contributions going in just to kind of do just a bit of an updated assessment on your superannuation Yep. as well Yep. just to kind of see, okay. Well, obviously, where you are at right now, Yep. that should obviously boost everything for your super to kind of give you a bit of an update on, you know, where Yep. everything's Yep. on track with the changes, which is which is really Yeah.","start_word":1130,"end_word":1228,"sentiment":"neutral","sentiment_score":0.17457135021686554},{"text":"good.","start_word":1229,"end_word":1229,"sentiment":"positive","sentiment_score":0.45590174198150635},{"text":"Now they still pay you that standard 12% contribution. Like, that hasn't changed. It's the same employer, so I presume it's the same. Yeah. That's correct. Yep. Yep.","start_word":1230,"end_word":1257,"sentiment":"neutral","sentiment_score":0.11214536428451538},{"text":"Perfect.","start_word":1258,"end_word":1258,"sentiment":"positive","sentiment_score":0.4603801667690277},{"text":"And are you doing any salary sacrifice or additional contributions yourself? No. I'm not. Nope. That was something I was gonna talk to you about actually because now that now we're on this subject, that's a question, I suppose. So I can I do I am able to salary sacrifice in Mhmm. the company, like, so I can do that with my super? Yep. Obviously, I've got my daughter in year 11 this year. So next year, she's year 12. So it'll be her Mhmm. last year that I'm paying school fees, which is quite a significant Yeah. drop. Like, I'll have more disposable income available to me. Yeah. So, I mean, I was paying sort of 10,000 a year when my son and her well, over 10,000 a year when they were both at school. He's finished now. So I've just got her, Yep. which is one more year left. So I've been used to sort of paying that. So I guess that's something I could potentially look at doing. Mhmm. Because, And yeah, I think now's the age, right, that I really should would start focusing on my super. and it does all compound, and, you know, it does make a big difference. The only Yep. thing, obviously, is cash flow wise. So would that be something you'd be interested in, like, doing now, or would you wanna hold off until your daughter like, you don't Yeah. have to pay those school school Maybe fees as well? maybe we'll look at it this time next Mhmm. year Yep. because definitely, this time next year, I would Yep. like literally only be you know, I'd only have a few months left or six Yes. months left of her payment. So yeah. Okay.","start_word":1259,"end_word":1551,"sentiment":"neutral","sentiment_score":-0.007494947024376319},{"text":"Perfect.","start_word":1552,"end_word":1552,"sentiment":"positive","sentiment_score":0.4959515333175659},{"text":"And, I'll make obviously, a little like, note. Pete Mhmm. and I still have a mortgage as well, and you just don't Yep. know what's going on with interest rates. We do pay more Exactly. than we need to, but the more they Yep. keep putting them up, like, Yeah. we'll probably need to increase that as Mhmm. Yes. Yep. Okay.","start_word":1553,"end_word":1613,"sentiment":"neutral","sentiment_score":0.011969118379056454},{"text":"Perfect. Well, I'll make a little note to reassess it, well. and that's a good idea as well.","start_word":1614,"end_word":1631,"sentiment":"positive","sentiment_score":0.4361948966979981},{"text":"And then we can, you know, when when you are ready, when we have a look at it next year, Yep. we can then Yep. put together a bit of a proposal. So whether you you go, okay.","start_word":1632,"end_word":1669,"sentiment":"neutral","sentiment_score":0.2184913754463196},{"text":"Well, I'm happy to start looking at, let's say, Yep.","start_word":1670,"end_word":1679,"sentiment":"positive","sentiment_score":0.43378499150276184},{"text":"$50 a week Yep. or whatever it might be, then we can run all the numbers for you to be like, okay.","start_word":1680,"end_word":1701,"sentiment":"neutral","sentiment_score":0.2614949643611908},{"text":"Well, this is how it will impact your take home pay because it comes out pretax. So it does save you a little bit in tax, which is great. And Yep. then this is how much extra is boosting your superannuation to give you that kind of Yep.","start_word":1702,"end_word":1749,"sentiment":"positive","sentiment_score":0.5386148691177368},{"text":"full, and then you can see, okay.","start_word":1750,"end_word":1756,"sentiment":"neutral","sentiment_score":0.1779315322637558},{"text":"Well, that's pretty doable.","start_word":1757,"end_word":1760,"sentiment":"positive","sentiment_score":0.45146217942237854},{"text":"Or, oh, actually, I could do a little bit more, or maybe I wanna start with a little bit less and then always adjust Yep. as there are Yep. some. What's the sort of starting like, what sort of dollar value would we Amount, be talking to? Yeah. Like, you you could as literally a minimum. do anything you want because it's Oh, like okay. it's a so you you could you could literally go to your employer and be, I wanna do a dollar a week. Like, you could do Oh, whatever okay. amount you Yep. want to, and Yep. you can change it. The only thing is that there is an upper limit because salary sacrifice and employer contributions together forms part of something that's called concessional contribution cap. Yep. So, like, the pre the pretax. So Yep. at the moment, that has increased with this financial year, which is good, but the cap is 32,500. So what you Right. don't necessarily want to do unless you have available carry forward from previous financial years. So, basically, what they do is that if you have unused space, basically, from previous way where you haven't used up everything, there are different strategies we can do to make previous year's contributions to catch up. It does get a little bit messy, but we can we Yep. can do Yeah. all of Yeah. that Yeah. for you. But, But, like, essentially, if I started, yep. yeah, started with a 100 a fortnight or something like that, Yep. I'm thinking I would barely notice it out of my pay, hopefully. It yeah. And it it won't make as much of a difference. If it is something you want me to, so because I can reassess your super now with your income. What Yep. I can do for you is part of it is I if you are comfortable with it, is that I can include a salary sacrifice contribution now if you would like showing a $100 a fortnight. Yeah. Yeah. And then part of the research will actually show you how it impacts your take on pay and how much extra it actually gonna boost your super between now and retirement. If that Yeah. is something you would like me to do Like, so you I'm have just, that now? yeah, I'm just thinking at least Mhmm. 100 a fortnight Yeah. is It better still than makes nothing, a difference. and, hopefully, I won't notice that too much.","start_word":1761,"end_word":2177,"sentiment":"neutral","sentiment_score":0.06412279991794834},{"text":"So Yeah. Perfect.","start_word":2178,"end_word":2180,"sentiment":"positive","sentiment_score":0.4841404855251312},{"text":"Well, basically, if I tell you quickly, without obviously looking at anything else, if your income is yeah. right here now, 116, did you say? Yep. At the moment, your annual after tax income would be about 88,360. Yeah. Now Right. if we salary sacrifice and I will run the numbers for you in in the document. But, essentially, there's a a website called paycalculator.com.au.","start_word":2181,"end_word":2245,"sentiment":"neutral","sentiment_score":0.08986801654100418},{"text":"That's a very good Yep.","start_word":2246,"end_word":2250,"sentiment":"positive","sentiment_score":0.573256254196167},{"text":"way to kind of look at things. I'm not sure if you've ever heard of that I have before. seen it. Oh, Yeah.","start_word":2251,"end_word":2273,"sentiment":"neutral","sentiment_score":0.09102733433246613},{"text":"beautiful.","start_word":2274,"end_word":2274,"sentiment":"positive","sentiment_score":0.4341786503791809},{"text":"So even if I put in, let's say, a $100 a fortnight, it reduces your annual income after tax to 86,592. So it's, Right. like, Okay. literally $2,000 less Yep. a year, roughly, Yep. a little bit more. So it's Yep. not and then if you divide that, obviously, on a monthly or weekly, like, it doesn't make Yep. a massive Huge difference, difference. Yep.","start_word":2275,"end_word":2339,"sentiment":"neutral","sentiment_score":0.05015687271952629},{"text":"but it could boost your suit because, obviously, the more money you have even in a year, it all compounds and grows.","start_word":2340,"end_word":2361,"sentiment":"positive","sentiment_score":0.34517666697502136},{"text":"Yep. Yep. So what I can do is I can include it, and it's not obligation, but I can include it Yep. for you so that you can see what starting salary sacrificing at about a $100 per fortnight would look like. And Yep. then you can actually see the comparison, and I can do the the two projections. I can do one currently, and then I can do another one with the salary sacrifice between now and when you wanna retire. And then you can actually see the impact yourself as well, and that's sometimes, like, a good way of kind of reassessing everything. Yes. Okay. Yep. Now with SuperDart, are you, at the moment, still planning on retiring about 65, or I mean, what are you ideally, thinking? that would be nice, but it really depends on like I said, the Mhmm. biggest Yeah. factor for us is we have a mortgage. So Yes. yeah. You know, if, ideally, if we can get that paid off, then yeah. Yep. But if Yes. not, maybe another few years. Yep. So And yeah. are you guys paying the mortgage? What frequency at the moment? Is that monthly or fortnightly? Fortnightly. Okay. So fortnightly, That's good. and we've both got money in in the offset. So we refinanced our mortgage in January this year, went back to a bank that I used to work for. They called me.","start_word":2362,"end_word":2598,"sentiment":"neutral","sentiment_score":0.11562314940781532},{"text":"So That's nice.","start_word":2599,"end_word":2601,"sentiment":"positive","sentiment_score":0.4068788290023804},{"text":"we were on a pretty alright deal, but Mhmm. then they've put interest rates up since then. Mhmm. So but we have now because it was where we do all our banking as well, we were able to utilize an offset account, and that's probably Yes. making a huge difference which we Yes. didn't have previously. Oh, perfect. Yeah. So and I've just got Pete because he is obviously self employed, and he had a business account and had sort of plenty of money sitting there but not doing anything. So we've got that sitting in an offset Yes. for him Yes. as well. So, hopefully, that's now making Okay. It's a bit a bit bit of a of difference. a difference. Yeah. No.","start_word":2602,"end_word":2725,"sentiment":"neutral","sentiment_score":0.07976073861843155},{"text":"That's a very good idea.","start_word":2726,"end_word":2730,"sentiment":"positive","sentiment_score":0.6021454334259033},{"text":"And do you know how much you have in the offset roughly? Both of us. Yes. So Or he's or you if it's separate? me about 56 at the moment. Mhmm. Oh, Thousand.","start_word":2731,"end_word":2763,"sentiment":"neutral","sentiment_score":0.04203888773918152},{"text":"perfect.","start_word":2764,"end_word":2764,"sentiment":"positive","sentiment_score":0.4035392999649048},{"text":"Yep. And when you refinance the mortgage, do you know did did they give you evaluation on the property as well? Yeah. We've got Mhmm. heaps of equity. Like, Oh, perfect. heaps. Yeah. And So how the much house is probably mhmm. worth about 800 Oh, at nice. the moment. That's Mhmm. being conservative. Yep. And I think we owe about 296,000. Oh, perfect. Yep. So you do have a lot of equity like you said, which is good, and you've made Yep. a quite a bit of a chunk on the mortgage just even we spoke to you last time as well because Yeah. it was We around $3.20. So yeah. mhmm. Yeah. So we're down to $2.02 90 well, I think we're down to $2.95, but they'll dump interest on otherwise, it Yeah. goes on around the fourteenth of the month. So Mhmm. but we've also got a joint account which our mortgage comes out of and bills, and we've got that's an offset as well, which has got about Mhmm. $10 in it. So Yep. between Perfect. us, we've got a 100,000 sitting in an offset account. Yeah. Which Yeah. makes which which is we we obviously takes a chunk of the the mortgage Yeah. at the end as well, which which is really Yeah. good. Okay.","start_word":2765,"end_word":2984,"sentiment":"neutral","sentiment_score":0.06343508511781693},{"text":"Perfect.","start_word":2985,"end_word":2985,"sentiment":"positive","sentiment_score":0.3912935554981232},{"text":"So, ideally, retire at 65 if possible. Yep. Now I have here that last time we spoke an ideal income per week was looking at around a thousand dollars per week for you that you ideally would like to draw from super. Is that Yes. still achievable, or do you think you would need more or or less? Like I said, if the house is paid off, I think, Mhmm. you know, and you don't have, yeah, commitments. Like, we're pretty live Yeah.","start_word":2986,"end_word":3068,"sentiment":"neutral","sentiment_score":0.11047005729682474},{"text":"a pretty easy life.","start_word":3069,"end_word":3072,"sentiment":"positive","sentiment_score":0.4542160034179687},{"text":"Just the odd holiday here and Yeah. there, Yeah. we do. Our biggest thing Yeah.","start_word":3073,"end_word":3087,"sentiment":"neutral","sentiment_score":0.2778751850128174},{"text":"is, like, we love to just go for a walk and have a coffee.","start_word":3088,"end_word":3101,"sentiment":"positive","sentiment_score":0.49352404475212097},{"text":"So I Yeah. reckon that's still achievable at the moment. I don't think we'd need anymore. Yep.","start_word":3102,"end_word":3118,"sentiment":"neutral","sentiment_score":0.06612484157085419},{"text":"Perfect.","start_word":3119,"end_word":3119,"sentiment":"positive","sentiment_score":0.5220262408256531},{"text":"And that's what most people say as well if it's, like obviously, depends on how extravagant you want in your retirement. Yeah. But most people say, well, if I don't have the mortgage, and that is just through you as well, then, obviously, Yeah. Peter will have from him. So if, Yeah. let's say, he also draws about a thousand, then that's two Yep. thousand dollars combined. That's right. If you Yep. don't have the mortgage, then it's just kind of like, yeah, living expenses, some Yep. holidays. Yep. So most people say that's pretty achievable. That's yeah. If you have more, great. But at least something we're trying to work with at Yeah. least a thousand dollars per week. Yep. So that would then be a good kind of indication with the salary sacrifice and and the document I'll put together for you to see, you know, Yep. where you are currently if that's kind of achievable and where things are at. So Yep.","start_word":3120,"end_word":3284,"sentiment":"neutral","sentiment_score":0.11709604412317276},{"text":"that's really good.","start_word":3285,"end_word":3287,"sentiment":"positive","sentiment_score":0.426238477230072},{"text":"Yep. Okay. Perfect. Now other assets, I have here motor vehicle about 15,000. Yes. Nothing's Yep. changed with my car. No. That's all still the same. Yep. Perfect. And you didn't have anything owing on that one, do you? No. No. No. Perfect. Any other assets that's changed in the last twelve months? Any other motor Nah. vehicles or boats or anything? Nah. No. Nah. Perfect. Nothing really. And any other liabilities, like any personal loans or credit cards or ZipPay or anything? We've got yeah. We do have a joint credit card for Bankwest Mhmm. that's probably got about, I don't know, maybe $7,000 debt on it. Mhmm.","start_word":3288,"end_word":3396,"sentiment":"neutral","sentiment_score":0.014534730993963164},{"text":"Perfect.","start_word":3397,"end_word":3397,"sentiment":"positive","sentiment_score":0.34441810846328735},{"text":"Anything else? And, yeah, I just have, like I do the sort of ZipPay, but it's maybe got $600 on it. Mhmm.","start_word":3398,"end_word":3419,"sentiment":"neutral","sentiment_score":0.03443850204348564},{"text":"Nothing Fuck. huge.","start_word":3420,"end_word":3422,"sentiment":"negative","sentiment_score":-0.6172133684158325},{"text":"Okay. Yep. Yeah. Perfect. Otherwise, health and lifestyle wise, still a nonsmoker? Yep. Yep. Perfect. And have you had any changes to your health or any injuries or anything, any issues in the last twelve months? No. No. That's great. And do you have private health insurance? Yes. I do. Yes. Yep. Perfect. And is that a hospital cover as well? Yes. It is. Yep. Yep. Great. And estate planning wise, do you guys have a will or power of attorney in place or anything like No. that? No. We No. don't. And we need to. That's something we really need to do. Understood. Yeah. Yeah. And do you know someone local that you could speak to, or would you like us to send you just some information on the firm that we work closely with so you have the pricing just as a reference, if not anything else? Yeah. No. I don't Yeah. think we do know anyone Okay. local. So, Well, yeah, what I can would do, yeah, I can if get the team to email you the contact of the firm that we work closely if when you guys have Yep. time, you wanna have a look at it. Yep. And it also just includes just basic prices of whether you wanna do a separate will, a joint will, power of attorney. And that way, Yep. you have the information. Sometimes it's a good little reminder as well if it's sitting in the inbox. Like, oh, yeah. I gotta get I gotta Yeah. get Yeah. on that. Yeah. No. That'll So be good.","start_word":3423,"end_word":3688,"sentiment":"neutral","sentiment_score":0.03130554407835007},{"text":"Thank you.","start_word":3689,"end_word":3690,"sentiment":"positive","sentiment_score":0.5361871123313904},{"text":"yeah.","start_word":3691,"end_word":3691,"sentiment":"neutral","sentiment_score":0.2980995178222656},{"text":"Perfect.","start_word":3692,"end_word":3692,"sentiment":"positive","sentiment_score":0.4665437042713166},{"text":"But, otherwise, obviously, for your beneficiary, sorry, in the event that something were to happen to you, because your superannuation and insurance does not form part of the estate automatically, you can make those direct nominations, which at the moment, we have going through Peter. Is that still the Yeah. case as well? Yeah. It would be. Yep. Yeah. Yep. Right. It's more that if something happens to him then, obviously, that's where it gets tricky because we both Yes. have kids. But yeah. Yes. And that's where the will is really good as well Yep. because then you can put different kind of succession in plan Yeah. That's in place right. for it. Because the way that things are at the moment, if it goes to Peter as your spouse, he would receive everything tax free. Yep. Adult children may have to pay a bit of tax if it goes to them. So Right. from a Okay. tax structure, if it goes to him, obviously, it's tax free. But then, yeah, if there are obviously other parties and stuff involved, it could be a really good idea with the will as well. Or if something were to happen to both of you, I will is is a really good idea to kind of go through Yep. things in a little bit more detail. Okay. Yep. No worries.","start_word":3693,"end_word":3920,"sentiment":"neutral","sentiment_score":0.10423131287097932},{"text":"Perfect.","start_word":3921,"end_word":3921,"sentiment":"positive","sentiment_score":0.5051310062408447},{"text":"Otherwise, aside from your, obviously, the salary sacrifice and, obviously, settling to your job and everything, do you guys have a focusing on reducing the mortgage? Do you guys have any other financial goals that you are working towards? Not really. Like, obviously, Nope. like, the biggest thing is trying to max get the mortgage done, but, you know, we're Yep. doing everything we can, but I don't know. Yep. Yeah. No. That's good.","start_word":3922,"end_word":3995,"sentiment":"neutral","sentiment_score":0.03171653673052788},{"text":"And it's now you had it refinance, which is good because that's often something Yep.","start_word":3996,"end_word":4010,"sentiment":"positive","sentiment_score":0.3685654103755951},{"text":"if you haven't had in a long time. I'm I usually Yeah. suggest just just do it every year. Just have Yep. a look at it because, especially, the way the property market and stuff has been, if there's, you Yep. know, more equity in the property and Yep. you can get that loan value ratio down, you can get slightly better interest rate. You can pay things up quicker. Another Yep. way is changing the structure.","start_word":4011,"end_word":4087,"sentiment":"neutral","sentiment_score":0.16717312165669032},{"text":"So you guys are already paying fortnightly, which is good.","start_word":4088,"end_word":4097,"sentiment":"positive","sentiment_score":0.4448317587375641},{"text":"Sometimes if you pay it monthly, obviously, with interest and everything, reducing it to fortnightly can speed it up a little bit. So you're kind of already doing a lot of it.","start_word":4098,"end_word":4129,"sentiment":"neutral","sentiment_score":0.29506489634513855},{"text":"You have the Yes. offset account again, which is great.","start_word":4130,"end_word":4139,"sentiment":"positive","sentiment_score":0.4814711511135102},{"text":"Sorry.","start_word":4140,"end_word":4140,"sentiment":"neutral","sentiment_score":0.30636805295944214},{"text":"I think you guys are are on track pretty good Yeah.","start_word":4141,"end_word":4151,"sentiment":"positive","sentiment_score":0.33697324991226196},{"text":"for where things are at when it comes to that. But, obviously, if there's anything else that you guys need assistance with at any point, just let me know. Yeah. No worries.","start_word":4152,"end_word":4183,"sentiment":"neutral","sentiment_score":0.13957270979881287},{"text":"Yep. Will do. Perfect.","start_word":4184,"end_word":4187,"sentiment":"positive","sentiment_score":0.49892446398735046},{"text":"Now, otherwise, when it comes to your superannuation, what I will do is just quickly go through just another risk profile questionnaire with you just to see if your risk tolerance has changed. Now think of these questions as well in regards to your superannuation, so obviously being a little bit more Yep. long term. And Yep. if it doesn't make sense, just just let me know. Yep. Yeah. And it's all multiple choice as well, and you can just choose Yep. whichever you feel aligns with you the most. Yep. Yep. Now have you ever bought direct shares yourself on the stock market? Have I ever no. No. No. I've looked but never done Yeah. No. That's all good. And when it comes through the level of risk that you are comfortable with in regards to your superannuation, would you say that you are willing to accept very high risk to grow your super, high, moderate, or a small amount of risk for your superannuation? I'd say probably high, moderate. High, moderate. And if you which one would you lean more towards? I don't know. I'm probably, like, in the middle. Like, I can Mhmm. see that super is Mhmm. a long term thing. So, you know, I understand that if you take high risk, you know, it might Yep. drop, but then it could rebound, like, down the track. So that's the risk you take. Yep. I guess it's only because I'm getting closer to that retirement age now. I don't have, like, the thirty years that I used Mhmm. to Yep. have. Yep. So, yeah, I don't mind high risk. Okay. I like to see the growth, Yes. but, yeah, I'm just mindful that I have less time to recover as each Yep. year goes on, if that makes sense. So Yep. No. It totally does. And when it comes to fluctuations, which kind of ties into what you mentioned as well. So on a hypothetical basis, if you place an investment and after six months, it drops by 20% due to general trends in the market. So let's not it's not like one investment that just went really bad. It's just kind of the market as a whole. Would you, if you had the option to do so, think that, well, now is potentially a good time to put more money in while the prices are down, or would you kind of be a bit more neutral, just kind of wait and see what happens, or would you want to shift to a secure asset, but that means you are then selling or the prices have already dropped? Actually, I would probably Mhmm. go well, now is the time to put some more in while it's low. Yep. Yep.","start_word":4188,"end_word":4650,"sentiment":"neutral","sentiment_score":-0.03833590066523068},{"text":"Perfect.","start_word":4651,"end_word":4651,"sentiment":"positive","sentiment_score":0.45741450786590576},{"text":"And would you put a lot in or just, like, a little bit? I don't know. It would depend how much I've got. Yeah. It's one of those some of the questions are Yeah. tricky. Yeah. Probably not a lot, but Yep. Maybe not a a little. little bit. Somewhere in the middle. Yeah. Yeah. Yeah. Okay.","start_word":4652,"end_word":4708,"sentiment":"neutral","sentiment_score":-0.0031673533376306295},{"text":"Perfect.","start_word":4709,"end_word":4709,"sentiment":"positive","sentiment_score":0.3771450519561768},{"text":"Yeah. And if you did have any investments at any point in time, fluctuating drop in value. So let's say your superannuation the last twelve months, I'm sure you've obviously seen on Yeah. the news I have. Yeah. that there's obviously been a bit of bit of turbulence in the market Yep. the last twelve months. Obviously, everything in The US and Yep. Trump and tariffs and everything saw a bit of fluctuation. And, obviously, more recently with the war as well, it has seen Yep. a bit of fluctuation. When you did see a bit of a drop in value, would you feel optimistic about potential investment opportunities? Kind of a bit more neutral, wouldn't make further investments, but understand that that's kind of the nature of the market sometime as well, or would you feel quite concerned or anxious? So I probably would say I didn't feel anxious or concerned. Mhmm. I felt probably just more neutral. Like, I did Mhmm. see it drop, but I was like, oh, Yep. it's a period. And, Yes. you know, the next time I went in, it started going up. So Yep. you know what I mean? Like so probably Yeah. neutral. Yep.","start_word":4710,"end_word":4911,"sentiment":"neutral","sentiment_score":-0.05888983782491471},{"text":"Perfect. That's good.","start_word":4912,"end_word":4914,"sentiment":"positive","sentiment_score":0.4532211124897003},{"text":"And it's good that you've you've looked every now and then as well Yeah. and Yeah. understand and see it. Because sometimes when people like, if you just look once, for example, and it's just when the market has had a little bit of a dip, that might make some people feel a bit worried if they Yep. don't look in a long period of time. But Yeah. you looking fairly sometimes looking on a daily can also be detrimental if if that is something that stresses you a lot. But Yeah. looking every now and then is good because then you actually see firsthand as well those fluctuations. Yeah. And you can kind of see things going up and down as long as everything's moving in the right direction long That's term, right. Yep.","start_word":4915,"end_word":5049,"sentiment":"neutral","sentiment_score":-0.0006695272750221193},{"text":"then then that's really good.","start_word":5050,"end_word":5054,"sentiment":"positive","sentiment_score":0.42419320344924927},{"text":"Now last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in stocks or funds? Yes, actually. Yep. And this is Yep. something we've thought of because we have equity. And even when I refinanced, the guy at the bank said this or sort of Mhmm. mentioned that, you know, we could look at an investment property or something along, you know, an investment loan, but I wasn't quite ready.","start_word":5055,"end_word":5134,"sentiment":"neutral","sentiment_score":-0.014389266446232797},{"text":"I don't think I wanna do Mhmm.","start_word":5135,"end_word":5141,"sentiment":"negative","sentiment_score":-0.4146348536014557},{"text":"Yeah. we don't have the energy or wanna commit to Yeah. a property with the prices that they right now. But, Yeah. yeah, certainly stocks and shares, if that means Yep. we can, grow that. Mhmm. And Mhmm. but it would just come down to, like, what would the affordability be for us or Yes. and how does that work on with us repaying Yes. that, if that Yep. makes sense. Yep. But I guess Definitely. even if it was something Mhmm. small like 50,000 to start with, I don't know. Okay. So potentially something to be open to. Yeah. Because we Yeah. have got No. a lot of equity there. I guess it would also be well, what would be more important to you? What would you feel comfortable with? Would the main goal be that you wanna have the mortgage completely paid off by the time you guys retire, or would you be happy having, you know, a bit of debt and utilizing that through invest as well? Well, that's the thing. Like, if if we've if we've got the mortgage paid off, like, I don't mind having a bit of debt left if you've got an investment attached to that. Whereas Yep. at the Yep.","start_word":5142,"end_word":5349,"sentiment":"neutral","sentiment_score":0.04716607183218002},{"text":"moment, we don't like.","start_word":5350,"end_word":5353,"sentiment":"negative","sentiment_score":-0.3756089210510254},{"text":"So yeah. Yes. If if we've got the mortgage paid off, but we've still got, you know, $6,070,000 dollars in investment debt left. That's different because you could hopefully Yes. go, well, the money you've made on that, Mhmm. if it pays out the loan. I don't know Mhmm. how it all works, but I know my mom did it with her husband. Yep. They had an investment debt once they paid their mortgage off, but then they yeah. I don't know. I don't know how they did it, but they did it with a financial planner, obviously. Yep. So, yeah, open to it, Yeah. but just need to understand more how it works. And I guess it would be a tax Mhmm. like you would would it be you claim the debt interest or the rules change The now? interest. Like Yeah. yeah. So everything is kind of a little bit up in the air with the the new budget proposals Yeah. and everything like that. Yeah. That's right. But but, yeah, otherwise, it used to be, obviously, the the interest on the borrowing for investment purposes would Yep. be offset by tax. But, obviously, Yeah. But everything is a little bit up in yeah. the Up air in the with air. with the budget. But what I can do is I can actually make a little note here as as well. So even, like, for next under review, hopefully, everything is Yep. a little bit more clear. Or if it's before that, you guys let me know. But Yep. then I can do that even if it suits Yeah. the both you and Peter. We could always do a joint annual review for the two of you, and then Yeah. we Yeah. can be assessed potentially looking at some different investment options, what that would look Yeah. like Yeah. once there's a bit more kind of clarity in regards through Yeah. all the proposals and everything like Yeah. that. So I can make a little note Yeah. that That'll we can be good because yeah. Also, have a look obviously, at that. Maddie's school fees will Yes. be coming to an end as well. So there's a yeah. Things change next year. Yes. Well, that's it.","start_word":5354,"end_word":5731,"sentiment":"neutral","sentiment_score":0.023056338260334635},{"text":"That's a good goal, though, and then you guys can obviously work on that together.","start_word":5732,"end_word":5746,"sentiment":"positive","sentiment_score":0.56340491771698},{"text":"So I'll Yep. just make a little note that we can potentially look at the under review together for the two of you next Yep. year Yep. and then to explore options for potentially different personal investments, Yep. whether that be taking out a loan or Yep. or utilizing property as well for it Yep.","start_word":5747,"end_word":5801,"sentiment":"neutral","sentiment_score":0.22211330939422955},{"text":"as a little a little goal, which is good.","start_word":5802,"end_word":5810,"sentiment":"positive","sentiment_score":0.6021344065666199},{"text":"Otherwise, I have they basically have told me here so from those questions, it has told me that you have come out as a kind of in between a high growth and a growth investor. It's the right Yep. kind of borderline. Now Yep. at the moment, we have you invested in a growth portfolio. Yep. Do you remember like, do you know the difference between a growth and a high growth investor? Have you heard much about it? Probably not. Can't remember. No. No. That's okay. Most people will sound like, oh, can you just find out me again? Yeah. Basically, both a high growth and a growth investor are similar in that you're looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time. But, also, that you are comfortable experiencing some level of fluctuations in order to achieve that. Yep. Now the difference between them is that in a high growth portfolio, typically, we invest 90% in what we call your growth assets. So that Yep. is a combination of Australian shares, international shares, and property as well. And that is basically what's going to kind of maximize that return for you and about 10% in defensive to limit fluctuations a little bit, and that will be things like cash, fixed interest, and gold as well. Yep. Now the growth portfolio, it's about a 10% difference. So it's about eighty twenty. So 80% in growth. So still a big amount, obviously, with focus towards growth, but 20 in defensive. Yep. Yep. Now what also comes into play is a time frame because you also wanna make sure, like you touched on as well, that you wanna make sure you have enough time in the market. So in a growth portfolio, ideally, we would like to see about at least six years until retirement, Yep. a high growth, typically, at least eight years. Right. Okay. What do you think of that? Are you still happy to kind of maintain your growth portfolio? Because if you do move to a high growth, yes, long term, you can have more growth, but short term, you will have a bit more of those ups and downs. Or are you quite happy with the level of risk you are taking on at the moment in your your growth portfolio, which is still targeted towards obviously growing your superannuation? I really don't know. No. Like, your I because you yep. You go. Sorry. I was gonna say, like, from what I've seen, I feel like it's doing well, Yes. but I don't know what to compare to. Do you know what I mean? Like and I don't Yeah. know how volatile that would make it if I went to the next one. Yes. Yes.","start_word":5811,"end_word":6281,"sentiment":"neutral","sentiment_score":0.06782140903918353},{"text":"That totally makes sense. Now having a look at your portfolio, especially because we have had a bit of term loans, things are are doing pretty good. Your salary sacrificing will also boost things more.","start_word":6282,"end_word":6316,"sentiment":"positive","sentiment_score":0.45498883724212646},{"text":"Yeah. Yeah. Taking on more risk might not be necessary, especially because the closer you get to retirement as well. Because at the moment with the current legislation, if things change for you, you can access super. If you decide to stop working, you can access super at 60. Yeah. Yeah. So that six years is kind of a good time frame. Now, obviously, Yep. if you decide to work to 65 or however long, more money in super means, obviously, growing, more contributions Yep. will boost things further. But if something Yep. changed and you decide, oh, actually, I do wanna retire earlier than 65, I think that six year, what you're Yeah. currently in in growth is is probably quite suitable. Yeah. And what I will do anyway is when I do have a look at the salary sacrifice, a bit of an update on your investments, especially with your new income, which makes a big difference. I will have a look at your investments as well Yep. just to see if there is any that is underperforming a little bit. Obviously, we're changing market conditions where everything's at. Yep. And then I can if if I do do the research and feel like there is one or two we wanna swap out, then I can put that together for you, but still Yep. maintaining the level of risk by making Yep.","start_word":6317,"end_word":6550,"sentiment":"neutral","sentiment_score":0.09124859747214197},{"text":"sure everything is working smoothly for you.","start_word":6551,"end_word":6557,"sentiment":"positive","sentiment_score":0.4518720507621765},{"text":"Yep. Okay. Yep. And can I make so something else, this job that I'm actually in, I do have a bonus attached to my salary, and Okay. we're going Yes. through it's that time of year now where we're sort of doing reviews and Mhmm. it's not guaranteed that you get it? But, basically, Mhmm. it can be 10 to fifth 10 to 10 or 15. I'm not sure. Mhmm. So we are able to like, I I won't do it this year because it's my first time, and I just want Yes. I don't know if I'm gonna get one. But I've Mhmm. seen there's an option that it can go straight to super rather than being paid, you know, into your account as a bonus. Does that affect that, you know, that threshold, that 32,000? Yes. You Sorry. have to be so I if I was salary sacrificing, I'd have to take that into account and make sure that I didn't go over. Yes. Okay. So I would say let me know. So with with the bonus, it does depend on your employer. Most or most which is good if they can do it that way. Often, what happens so let's say if you get $10,000 in a bonus, that would be paid out to you in cash. Yeah. Yeah. But then on the bonus, you would still get your mandatory 12% contribution. So you Oh, would okay. get a little additional contribution based on the bonus. So Right.","start_word":6558,"end_word":6808,"sentiment":"neutral","sentiment_score":0.03982935845851898},{"text":"if you get a very big bonus, get contributions on that. That will boost your super even further, which is great.","start_word":6809,"end_word":6829,"sentiment":"positive","sentiment_score":0.53033447265625},{"text":"But then I would also say if that is the case, just let me know because Yep. we do wanna make sure you don't exceed any Yeah. tab spaces. Yeah. So Like, I if I definitely won't mhmm. have it put to my super this year if I get one because there was a timeline. Mhmm. I just saw an email saying if you wish for your bonus to go straight to your super, then Yep. let us know by this date. Otherwise, Mhmm. if we don't hear from you, it won't. But like Yep. I said, it's not guaranteed that you're gonna even get one. Like, it Yep. goes to a Yep. panel. So Okay. I'm just gonna see how it plays out this year and what it's Yes. like. But then next year, if, you know, I'm thinking, well, maybe I can go or having said that, would I can make at any time voluntary contributions. Correct. Yes. Yeah. And we Okay. can change it. So even and that's what often what most people do with a bonus because they don't have the option of your whole bonus going to your super. Now I would Right. check with your when you do get if you do get a bonus, have a look in your hub 24 as well because you should then see an additional contribution being added. Yep. So you can Okay. check with your Alright. employer to be like, okay. If I do get a bonus and I'd elect not to have it, obviously, all paid through super, Yeah. Yeah. does the 12% contribution still apply, which often is the case. Yeah. So Okay. No worries. what what most people would do if they don't have the option of obviously adding the whole bonus is that, let's say, you get 15% on your income as a bonus, that would be pretax about 17,400. Now Right. you would still get 12% contribution on that, which means that your employer will automatically add 2,088. Right. Okay. So Yep. it will still be that. So Yep. even if we do salary sacrifice of a $100 a fortnight with your current income, you are still under the threshold, Yep.","start_word":6830,"end_word":7198,"sentiment":"neutral","sentiment_score":0.05735278911989556},{"text":"Okay. which is good.","start_word":7199,"end_word":7202,"sentiment":"positive","sentiment_score":0.4664096236228943},{"text":"And Okay. I would Cool. say that if you do before the end of this financial year, if that is so when do you normally have to make that decision? Do you know? Yeah. The email came out a few weeks ago. Okay. So Okay. yeah. So even, like, next year, which we're pretty close to under review, but even which will be good. But even next year, if you do get the option, just give me a call because Yep. then I can run the numbers if you go, okay. Can I if you are leaning towards electing having everything paid into super, then Yep. I can just run the numbers for you? Alright. No worries.","start_word":7203,"end_word":7319,"sentiment":"neutral","sentiment_score":0.1575691539507646},{"text":"And that's and that's when that kind of carry forward, I mentioned earlier, Yep. comes in handy where it's like, if you haven't done extra contributions yourself in previous years, we can utilize that to still make it very tax effective. Yep. Okay. Lovely. Yeah.","start_word":7320,"end_word":7364,"sentiment":"positive","sentiment_score":0.38617101311683655},{"text":"But, yes, at any point in time, you can make voluntary contributions, and we can at the end of each financial year, if you have the cap space available, we can change it to pretax and give Yep. you a little bit of that notice of intent on the tax back. So Yep. just let us know. Keep us Yep. up to date what's Yeah. happening, Yeah. but that Will is do.","start_word":7365,"end_word":7436,"sentiment":"neutral","sentiment_score":0.21988286077976227},{"text":"good.","start_word":7437,"end_word":7437,"sentiment":"positive","sentiment_score":0.4388384222984314},{"text":"Yeah. Yep. Yeah. Okay. No worries.","start_word":7438,"end_word":7443,"sentiment":"neutral","sentiment_score":0.15025407075881958},{"text":"Perfect.","start_word":7444,"end_word":7444,"sentiment":"positive","sentiment_score":0.41878682374954224},{"text":"Now do you have access to your emails at the moment? Yes. Yes. Okay. Sorry. Not too much to go before I let you go in.","start_word":7445,"end_word":7470,"sentiment":"neutral","sentiment_score":0.03196102753281593},{"text":"Enjoy the rest of your afternoon.","start_word":7471,"end_word":7476,"sentiment":"positive","sentiment_score":0.4442217350006103},{"text":"Do you have Yeah. to work shift again today? Yeah. Yes. Yes. Yeah. I had a three.","start_word":7477,"end_word":7493,"sentiment":"neutral","sentiment_score":0.07358948141336441},{"text":"Perfect.","start_word":7494,"end_word":7494,"sentiment":"positive","sentiment_score":0.4985232949256897},{"text":"Now if you could access your emails for me, I have sent you an email with a couple of documents to go through. Yep. We have just changed the soft software as well, so it might look a little bit different to what it did last time we spoke. It's kind of the Yep. same where you access a link, and that will show you all the documents before it prompts you to sign anything. Yep.","start_word":7495,"end_word":7570,"sentiment":"neutral","sentiment_score":0.14931564033031464},{"text":"I've got that now. Perfect.","start_word":7571,"end_word":7575,"sentiment":"positive","sentiment_score":0.47453171014785767},{"text":"Yep.","start_word":7576,"end_word":7576,"sentiment":"neutral","sentiment_score":0.3309248685836792},{"text":"Now to make it easy for you, I can go through them the way that you see them.","start_word":7577,"end_word":7594,"sentiment":"positive","sentiment_score":0.3439233899116516},{"text":"So what is your first attachment that you can see? I've just it just says sign document, but I can't Yep. hang on. Is that If you oh, it says yeah. annual You you review just pack and TFN opt in form. Please find yes. So attached if important documentation. yep. So if you click on that link, it you would just have to click on it first, On the but signed it will documents? allow you correct. Yes. Yep. And you should see everything, and it's only Oh, yep. at the end. Yeah. Okay. Yep.","start_word":7595,"end_word":7690,"sentiment":"neutral","sentiment_score":0.022836623713374134},{"text":"Perfect. So I've got summary of superannuation and insurance.","start_word":7691,"end_word":7699,"sentiment":"positive","sentiment_score":0.3690914809703827},{"text":"Yep.","start_word":7700,"end_word":7700,"sentiment":"neutral","sentiment_score":0.22851607203483584},{"text":"Yes. Perfect.","start_word":7701,"end_word":7702,"sentiment":"positive","sentiment_score":0.46944040060043335},{"text":"So if you can have a look at that one, it shows you your current superannuation and insurance. Now you obviously have majority of your super in hub 24, and you do have about 303,546. And Yep. then you also have your public sector superannuation that defined benefits, Oh, and that's about 34,700 that's gone and up 80 a bit. 2. I haven't even forgotten about that one. Yes. It's like the nothing one, but it is there. Yeah. And it it's also good because, obviously, the defined benefit, obviously, we don't wanna touch it or, usually, you can't touch it. So it is No. a sit I can't. step for when Yeah. you retire. But Yep. it's just a little bit of extra, so There.","start_word":7703,"end_word":7828,"sentiment":"neutral","sentiment_score":0.08929632604122162},{"text":"that's good.","start_word":7829,"end_word":7830,"sentiment":"positive","sentiment_score":0.3806426227092743},{"text":"That's alright. Now I did have one question for you, and I'll ask Peter the same for your HUB24. So with HUB24, they have a feature which is called family linking. Alright. Basically, what it is is that if you have a family, you can link your accounts together. You're not crossing or sharing super or anything like that. It is just from administration platform. You can have the two accounts linked. So what that would mean is that Hub twenty four assesses your combined superannuation balance when they are calculating discount on administration fee.","start_word":7831,"end_word":7925,"sentiment":"neutral","sentiment_score":0.1036115661263466},{"text":"So it does make it a little bit cheaper.","start_word":7926,"end_word":7934,"sentiment":"positive","sentiment_score":0.5501822233200073},{"text":"So instead of it being just on your super balance and it's on his super balance, having them linked together, it's just a way for them to giving a bit of a discount to tryna promote as well having, you know, multiple accounts together Yep. Yep. for a family. Yep.","start_word":7935,"end_word":7984,"sentiment":"neutral","sentiment_score":0.32187578082084656},{"text":"So the benefit is by doing it, you get a bit of a discount on administration fees, which is great.","start_word":7985,"end_word":8004,"sentiment":"positive","sentiment_score":0.6392929553985596},{"text":"Another thing is that we can have it so you guys can view each other's accounts if that is something that you want. So, like, you would log in to your app, and you would see your account, but you could also check his. You can't change anything on his account holder, but you Yep. can view it. So if it is that you guys, you know, obviously share finances and plan retirement together, you can look at each other's information. You can't change it. Okay. Is that something you guys want to add, or do you kinda prefer to have it a bit more separate? Yeah. I think probably prefer to have it a bit more separate Yep.","start_word":8005,"end_word":8123,"sentiment":"neutral","sentiment_score":0.1306956559419632},{"text":"Perfect.","start_word":8124,"end_word":8124,"sentiment":"positive","sentiment_score":0.3520301580429077},{"text":"for this. Yeah. I reckon. Yep. I'll just I'll just leave it, and we'll we'll If just that keep changes it like that. down the track, but for now, yeah, maybe. Yeah. Yeah.","start_word":8125,"end_word":8157,"sentiment":"neutral","sentiment_score":0.06416209787130356},{"text":"Perfect.","start_word":8158,"end_word":8158,"sentiment":"positive","sentiment_score":0.339122474193573},{"text":"That is not a problem. Yeah. Is that in any point you're trying to send me an email, say, hey. We would like to do the family Yeah. linking. Yeah. Just Yeah. let me know. But, otherwise, I'll just leave it for now. Yeah. No. That's Yep. cool. Yeah. Otherwise, with your insurances. So you have some insurance with MetLife. Now Yep. you have a life and total permanent disability insurance, and that is 525,000 if something were Yep. to happen. Yep. Yep. Now are you still happy with that level of cover for life and TPD, or has Yeah. anything changed? Yep. Perfect. No. I think I'm still happy with that. Yep. It would still obviously pay out the remaining mortgage Yeah. Yep. of your credit card and stuff like that, still leave extra if Yeah. something were to happen. Yep. Now with your income protection, though, because your income has gone up quite a bit, which is great, it will mean that you are a little bit underinsured for income protection. Yeah. Doesn't mean you have to change it if that is still sufficient to cover your bills and expenses. So, basically mhmm. Let's say four what's that? $4.07 a month. So, yes, couple of grand probably lot on now, isn't it? But Yeah. I still So it think, is also like, taxed I still income protection. actually oh, this is? So that that would be after tax, or would this be before tax, $4.07 That 5 will be o? the the 4. So Before. it is taxed at your Yeah. marginal Okay. tax rate when it comes out as well. So, obviously, it will be a little bit less. A little bit less. Look. I've survived on 80 Yeah. grand for most of you know? Like, it's Yeah. only been in since August last year that I've been getting this salary. Yeah. So I've been it's the highest I've ever had. So I've never been earning this sort of money, so Yes. I Yep. do know how to live off minimal. Yep. So, yeah, Perfect. let's just leave it for another Yep. year. Yep. And, And like, if we anything's keep reducing fine, our debt, hopefully. So Yes. You yes. Exactly. Because the the other thing would be, obviously, if you wanna increase it, it will mean that, obviously, it's gonna get more expensive, which then yeah. obviously That's alright. means the premiums are more super. So if it is Yeah. Yep. obviously still covering the bare Yeah. minimum at least, Yeah. and that is only in competition, it's only temporarily as well. So it only Yeah. do Yeah. it temporarily That's right. unable to Yep. work. Yep. You do have that thirty day waiting period. So the shortest one. You just have to wait that thirty days before you Yep. can start claiming on it, and it does run for two years. Yep. All three paid inside super for inside hub 24, so you don't pay for it out of pocket. And the premium is 2,933 after that tax rebate that you get. Yep. Yep.","start_word":8159,"end_word":8677,"sentiment":"neutral","sentiment_score":0.03653268487083229},{"text":"That Yep. sounds Perfect. good.","start_word":8678,"end_word":8682,"sentiment":"positive","sentiment_score":0.5710380673408508},{"text":"Now what is the next attachment there for you? Performance with IRR. Yes. So this one here gives you a bit of a twelve month snapshot of your portfolio. Now the Yep. good thing is that you have obviously seen a bit of ups and downs of the market fluctuation and understand that things do fluctuate. Yep. But in saying that, though, in the last twelve months, after all fees have come out of your account and despite the fluctuations we have had in the market, your portfolio has still gone up. So the return on your investment is still up by 8.88% after fees, which we're Okay.","start_word":8683,"end_word":8790,"sentiment":"neutral","sentiment_score":0.1715386062860489},{"text":"actually quite Yep. happy with given Yep. the market.","start_word":8791,"end_word":8799,"sentiment":"positive","sentiment_score":0.4136706292629242},{"text":"Yeah. And what that looks like in terms of a dollar value, and that is just the earnings on your investments and not contributions, it represents about 28,574. Yeah. No. That's really So, good. yeah, so part of, obviously, the research I will do for you is I do wanna review one of those investments in a little bit more detail, and that is the Benelong Australian Equity. It has underperformed a little bit recently. So I just wanna kind of reassess that one a little bit more for you to see if we should change it. Yep. But I'll No do worries. the research, put together that proposal, and run that through with you along with the salary Yep. sacrifice, and then we can take it from there. Yep. No But worries.","start_word":8800,"end_word":8932,"sentiment":"neutral","sentiment_score":0.05963291600346565},{"text":"overall, things are going good.","start_word":8933,"end_word":8937,"sentiment":"positive","sentiment_score":0.36185553669929504},{"text":"Now next one, is that your MetLife certificate of currency? Yep. Oops. Just hit next document. Yep. Oh, was that the Vanguard index chart? Oh, yep. That's fine. Sorry. That's what That I've one here. got. Yeah. Okay.","start_word":8938,"end_word":8975,"sentiment":"neutral","sentiment_score":0.033345086107912814},{"text":"Perfect.","start_word":8976,"end_word":8976,"sentiment":"positive","sentiment_score":0.5905470848083496},{"text":"You probably have the next one after. Yep. Vanguard, you probably have seen this last year, but it is just a good visual representation again Yep. of what we're talking with the market. And you can see here those kind of ups and downs we were talking about Yeah. and how the time frame kind of comes into play with that as Yep. well. Yep. Yep.","start_word":8977,"end_word":9042,"sentiment":"neutral","sentiment_score":0.16166983544826508},{"text":"Perfect.","start_word":9043,"end_word":9043,"sentiment":"positive","sentiment_score":0.3801645040512085},{"text":"Yeah. Certificate Next one. of currency. Yep. Yep.","start_word":9044,"end_word":9051,"sentiment":"neutral","sentiment_score":0.1155407652258873},{"text":"Perfect.","start_word":9052,"end_word":9052,"sentiment":"positive","sentiment_score":0.445150762796402},{"text":"Now this one here, it breaks Yep. down your insurances in a little bit more detail, but lets you know that's all paid and up to date. No worries. Yep. And your next one. Is the services guide? Yep. So this one here, again, you probably have seen a couple of times, but it is just an updated version. It is one of those compliance documents, but it does Yep. give you all the important information in regards to us here at Oakview. Now you have access to have a look through this in your own time later as well. Yep. But, basically, none of the important information has changed since last time. We have had a bit of an extension to the team, which is good, and also done a little bit more updated marketing. So if you do want to scroll down to page 10, you should see a photo of myself. If you do wanna put a put a face to the voice again, Yep. which is, yeah, which is often nice as we're doing things over the phone so you actually can see who you're talking to. Yep. Yep. No. Thank Yeah. you. No. That's alright. Now next one for me, is that your ongoing service agreement? Does it have Hub twenty four consent to new ongoing Yep. fee arrangement? Yep. Oh, Perfect. hang on. Got option to provide tax file number. Okay. Yep. Have So you got my tax phone number? yes. So this one Uh-huh. Yeah. here, We it do. is just yeah. Just focus when we set up your super and everything, we do need the tax phone Yeah. number. This Yep. one here is just a compliance form to say that we are keeping your tax phone number secure and safe on Oh, okay. file. Yep. Yep. And So do you if need me to sign that one? you That's Yes, the end. please. I've got nothing else after this one. I don't think. Let Unless me know. it's got here click to start, and I think I've gotta sign up. Okay. Yeah. If you can do for me, there should be two to sign. If not, I'll follow-up with the team after. But if you could Oh, add okay. the signature and date on this one, if you're happy with that. Do I hit click to start to do that? Yes. I Yes, think please. yep. Yep. Okay. So you've got my oh, yep. Fine. Yep. Yep. Okay. Does it say next? Yep. Yep. Sure. Yep. And where does the next take you to? Is that, like, 175650296? Should I hit? Was it 175650296? For the tax file number? The tax phone number. Yeah. It wanted I me can to put it in, and I've just typed oh, that's you can just put just leave it blank or do, like, a full stop because you shouldn't have to put the tax number it. in Oh, there. okay. 1 Yeah. 176 yeah. Okay. It's very faint, but Okay. it's That's fine. like 175 the I can see it there, but it's just like if I go next, Mhmm. fill in. Yeah. It's just oh my gosh. What's happening? I'm losing it on the screen. That's okay. Because normally, it should just take you straight just to add in the little signetel. Like, you do you don't have to do like, fill in any tax on number or anything. Yeah. Which I've signed. I've Mhmm. put the date, and now I'm just, like, not being able to get to the next screen. Where Oh, does gosh. the if if it if it stops you in the other boxes, you can just do a full stop. Because if it's like a sometimes there's like a bug you have to put something, you can Okay. just do, like, a full stop or, like, a blank space because that sometimes So if will I then just let put you a dot in the tax mhmm. file number Yep. Does that let Yep. you go Oh, further? yeah. Now it's going next Yeah. document. Yep.","start_word":9053,"end_word":9740,"sentiment":"neutral","sentiment_score":0.09364639869403787},{"text":"Oh, perfect.","start_word":9741,"end_word":9742,"sentiment":"positive","sentiment_score":0.4131191074848175},{"text":"I'm It's like talking going.","start_word":9743,"end_word":9747,"sentiment":"neutral","sentiment_score":0.3050967752933502},{"text":"to you. It's great Yep. when Okay. it works, but it is.","start_word":9748,"end_word":9759,"sentiment":"positive","sentiment_score":0.4481968581676483},{"text":"Yeah. Okay. Do you have one more document saying consent to Yeah. a new perfect. It says, like, one one of three or something. Page one of three. Yeah. Yes. Yep. Yes. And Correct. then the Yes. very end one. So Yes. now go Yep. signature Yep. Yep. and dates. And while you're signing this one, I'll just explain what it is. It is just your ongoing service agreement.","start_word":9760,"end_word":9828,"sentiment":"neutral","sentiment_score":0.09226488322019576},{"text":"So Yep. just to say, obviously, you're happy to stay on as a client.","start_word":9829,"end_word":9842,"sentiment":"positive","sentiment_score":0.4893122613430023},{"text":"Now there is no changes to the fee structure.","start_word":9843,"end_word":9851,"sentiment":"neutral","sentiment_score":0.07462360709905624},{"text":"So because, obviously, Yep. both you and Peter is clients, you guys have that reduced ongoing advice fee, which is great, Mhmm.","start_word":9852,"end_word":9873,"sentiment":"positive","sentiment_score":0.4290894865989685},{"text":"not increasing or anything. It stays exactly the same at 1.1 Yep. from super, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract.","start_word":9874,"end_word":9913,"sentiment":"neutral","sentiment_score":0.10345099121332169},{"text":"So this just lets us service your account and investments and insurance and everything for you in the meantime.","start_word":9914,"end_word":9932,"sentiment":"positive","sentiment_score":0.38086870312690735},{"text":"No worries. Yep. So I just hit validate and send. Yes, Okay. please. And then it should load, and it will then send it back to me. And it will also allow you to if you would like later to go back and have a have a read through them, you can download them as well if you do. Yep. And if you can't, for any reason, access them, I always have a copy on the file. Now while that is loading, this is say this is say, oh, yep.","start_word":9933,"end_word":10022,"sentiment":"neutral","sentiment_score":0.22153839021921157},{"text":"Perfect. It's already come through, which is great. Sometimes Yep. it takes a little minute, so that is good.","start_word":10023,"end_word":10041,"sentiment":"positive","sentiment_score":0.5642293095588684},{"text":"Now while I do have you on the phone, I'll book in a catch up to just go through that salary sacrifice and review of your investments a little bit. When is typically a best time for you Yep. to do that? What sort of time frame would you I usually need about a week to put it together, so I okay. could do Wednesday, Let me Thursday so next week. so Wednesday, Thursday next week, I'm on day shift. So I'll be working from six in the morning till 03:30 in the afternoon. So I generally get home anywhere between four, 04:30, depending Mhmm. on if Would I you get be hold too up. tired to do it after So that? so yeah. Yeah. Yeah. I can do it in Okay. the afternoon. Yep. Because because I could so on Thursdays, I do work a little bit later. Yep. So so you don't have to rush, I could Yep. do let me see here. We're just a half an hour difference. So I could do five let me see here. I could do what time did you say you'd be home? 04:00. 04:00. So would about 04:30 be okay? That allows Yeah. you Yep. bit of flexibility if you're running a bit Yep. late or if you need Yep. to eat something That's or fine. something before. Yeah. Yeah. No. That's fine. Okay.","start_word":10042,"end_word":10275,"sentiment":"neutral","sentiment_score":0.06058797240257263},{"text":"Perfect.","start_word":10276,"end_word":10276,"sentiment":"positive","sentiment_score":0.41150206327438354},{"text":"So I can book that in. So that is next Thursday, the sixteenth Yep. of July, which feels pretty crazy. It's July Yeah. I already. know. Yep. And that will be up for thirty PM your time. It shouldn't Yep. take as long as today's conversation just to kind of go through those recommendations with you. If it is that you your shift changes, you have to work later, or, you know, something happens, just let me know because I can always just look to reschedule or shuffle a few things around Yeah. for No you worries. Should if if be you don't. right. Yeah. Yep. We Okay. don't you know, I'd hand over to someone. So yeah. Okay. Would Okay. only be if they call in sick and they say, oh, can you stay a bit longer? But Okay. hopefully not. Yeah. Yeah. If it happens, though, just let me know, and we can always reassess that. Otherwise, do you have any questions for Yep. me at this point before I let you go and enjoy No. your afternoon? No? No. All good. I think we've covered Alright. them along the way. Yep. Yes. Now like I said, I will give you a call next Thursday, July 16 at 04:30 your time and go through those couple of things. I will also get my team to email you that lawyer referral information Yep. just so that you have it in the inbox if it is something you guys do wanna have a look at.","start_word":10277,"end_word":10531,"sentiment":"neutral","sentiment_score":0.04825198662047293},{"text":"Lovely. Sounds Yep. good. Perfect. Well, thank you so much for your Awesome. time Yep. on the phone today, Sarah Jane, and I look forward to speaking with you next week. Thank you.","start_word":10532,"end_word":10564,"sentiment":"positive","sentiment_score":0.6587802171707153},{"text":"Mhmm. No worries. We'll See speak you. soon. Bye. Bye.","start_word":10565,"end_word":10574,"sentiment":"neutral","sentiment_score":0.1681525856256485}],"average":{"sentiment":"neutral","sentiment_score":0.08856608308938152}}}}