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Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Fantastic. Brad, can I please ask you to confirm your full name, date of birth, and address? Thank you for confirming that, Brad. I'm phoning today to complete and go through your annual review. Do you still have time to do that? Lovely. Before we get to the crux of it, I guess, what I'd like to do is just check-in with you and see how everything's been going and has there been any significant financial or personal changes to your situation? Yep. That's absolutely great. That's a fantastic goal. How good would that feel in five years? Yeah. Oh, that's that's fantastic. That's a great approach. Well done to you both. Speaking of the debt, we had it listed at 300 and 2,000 last time. Is it going down? That's fantastic. No. That's great. Anything else that you can think of outside of that? Yeah. Yep. Yeah. Yeah. K l r $6.50? Okay. That is fantastic. And you we've got cash noted here with about 30,000. Would that still be right? 40? Okay. And you said you you mentioned your wage is pretty much the same. We have a 125 noted. Is that is that consistent? Yeah. Is that plus super? Great. Yeah. Yep. Yeah. Oh, actually, how much is that? Do you know that off the top of your head? Yeah. That would be great. Thank you. Her phone not awake. Yep. Yeah. So you that's $2.50 a pay cycle. Is that right? Okay. Do you get more than the standard 12% by by signing up to doing that extra salary sacrifice? Okay. Who's your employer? Education Queensland. Yeah. You definitely I think you would. I'm going to do a little bit of research while we chat through things. Okay. So that's $2.50 a week. We had yeah. Yeah. Yep. Okay. So let's have a look at this. An employer contribution. So with Education Queensland, you get 12.75%. If you're under 75, there's a default contribution of 5%, and that's set up pretax. Accountants earnings to mandatory. Yep. So you get a little you get an extra point 75%, which is nice. Okay. That's fantastic. And your $2.50, I've got that. Now we had here savings wise that you were saving $3.50 a fortnight, and that was for holidays and $50 a week for kids. Is that right? So the $50 a week is included in that $3.50. Is that right? Yep. Yep. Lovely. So that we can just say that's where that and you're happy with that arrangement. You're just gonna continue with it. Do you wanna invest that money? Yep. Yep. Absolutely understand. Beautiful. The I have Corinne as your wife. Is she and we have her noted as your next of kin. We just don't have her contact number. Do you know that? Yeah. Yes. Yes. Fantastic. And I've got two children here, aged 15 and 12. I suspect they've probably grow gotten a little bit older. Aw. And what are their names? Aw. They're beautiful names. So Olive is 16? Yeah. Oh, lovely. I just like to have notes. So when I'm when I actually talk to you, I I can and talk about your children, I I actually know their names and can communicate with you. Alright. So I've got you here as teacher in theater. You work for Education Queensland. Is there any particular school you're based at at the moment? And how long have you been a teacher for? Okay. And I've got you here noted as full time, thirty eight hours a week. Is that right? Yes. But you're full time? Yeah. Okay. And do you have any idea what your expenditure is per week? So that would be living expenses, so outside of mortgage or anything like that. Yep. I do. That's okay. I understand. Thank you. And then probably outside of that, I note that you have a will. Is it current? Yes. And a power of attorney. Do you have that? I have here that you think it's your brother. Yep. And you're happy with that? Yep. Lovely. What's your brother's name? I was just about to say, is it a p h or a v? Alright. Lovely. Okay. Just quickly, I know I've noted down your main goal as a family right now is focusing on being debt free and within the next five years. The other goal that we had was for retirement. So a happy happy retirement at the age of 65 oh, no. Sorry. Happy with retirement at the age of 65 that you'd like to move out of teaching and gradually transition further into the theater space before retirement. Is that still a retirement goal? Mhmm. Mhmm. Yes. Mhmm. Yeah. Okay. Yeah. I completely understand, and it sounds like we're all in for a little bit of a a rise yet from yesterday's meeting. Okay. Alright. Okay. That's absolutely fine. So if with retirement at 60, I'm gonna ask, being debt free, what do you think, income wise, you and Corinne would need to meet your your needs? If you were debt free, you wanted to travel, all those lovely parts of it in retirement plus your living expenses in today's dollars. Mhmm. Yep. I can work with that. What we do is we don't necessarily look at what the balance is at retirement because that's going to vary amongst all sorts of different scenarios. But what what it what matters is is what we look at to model it out is age, proximity to retirement. So you you have age on your you have time on your side and your income needs. So what we do is work in reverse. So now we know a time frame and an estimated estimated income required. We can then work backwards to see if you are likely to meet those goals and then identify what needs to be done in order for you to achieve them. So for example, in five years' time, if you're debt free, you have all of a sudden significant surplus after you do a kitchen renovations and all those other sorts of goals that you wanna do. There that might be when we say, look. At the moment, you're tracking towards generating 65,000 a year, for example. We need to do x y zed to get you up to 80. This is what we're recommending you do. So you still exactly. But that but but that's the way timing wise, we would look at that. So right now, what you're doing paying down debt, you know, that's a great a great approach because you're getting rid of debt that isn't what we call bad debt. So it's not giving you an income. It's not it's not providing a tax deduction or anything like that. It's for your home. So that's definitely a great option. Whereas you looked at superannuation, you can't access it for another twelve years. The money you're putting in there is locked away. So the salary sacrifice and the SG you're doing at the moment, that's a great way to build your superannuation in a tax effective manner. But once you are debt free on the house, we would then look to what needs to be done then to reach that next big goal of being retirement, the next life stage goal. So, I mean yeah. You're definitely on the right path. It's just we'll just keep monitoring it, touching base, all those sorts of things along the way. With one question I do have though. With how old's Corinne? Okay. Fantastic. It makes it ease. Not easy, but, you know, access to super wires, etcetera. You know, 80,000 between the the two of you. I don't know what her superannuation balance is like, but as you do get closer to yeah. So at retire as you both get close to retirement, whether you wanna look at it as a couple plan, that's something for you and Corinne to have a discussion about. And we then we can look at you as a household where the income's gonna come from and the best drawdown rate, etcetera, as that time comes. Alright. So what I'm going to do do you have access to your emails at the moment? Yeah? I'm going to send you through a email. It's gonna come from Odoo Sign and myself, and it's gonna have the review pack included. So when you do open the email, there'll be an option for you to click the sign here or sign documents. Just click on that to open it up. You're not signing anything at the moment. We're just gonna talk through the review pack. Yeah. Take yeah. Take your time. Thank you. Yo. Thank you. So you just let let me let me know when you got it open? Lovely. Okay. And the first page you should, yeah, see is a summary of superannuation and insurance. Yeah. So you will note that you have your superannuation held within the HUB24 platform. The balance sits currently at $349,947 rounded up. And you have your insurance with Zurich. So your life and TPD is a some insured of a million 247 thousand 920, and then your income protection covers you for $8,111 per month if you are unable to work due to injury or illness with a sixty day waiting period and a two year benefit period. Those covers are funded from your superannuation fund with HUB24, so they're deducted from there. With the with the insurance, are there is there anything you want to review there? Are you happy with the cover? Yeah. And you're aware that there's a type of another type of policy called trauma insurance. Have you been talked about okay. I'll just give you a brief summary of what it does and what it what's the purpose of it is. So this this type of policy is paid through your personal cash flow, so it's not able to be funded through super. And what it provides is a lump sum payment if you are diagnosed with a claimable event. They range from different types of cancers, stroke, heart attack, neurological diseases, and it's kind of a stop gap between income protection and TPD and life as typically when you do claim on trauma, it's generally, in most cases, a non terminal situation. So it it's something that you're likely to recover from typically and statistically, and you might just need some funds to help for out of pocket medical expenses. Or a good example is something that happens regularly if you suffer a heart attack that meets the criteria. You know, you might be Yep. Absolutely fine. Absolutely fine. No worries at all. The next document in the pack is your performance with hub twenty four. So what this report shows us is I'm missing a oh. It's just gone absolutely blank on me. So the first the first investment at the top there you'll see is the Van Al Long Australian Equities Fund. That fund has underperformed in the last twelve months as you'll see based on the report. Yep. So what what has happened is essentially, it's the Australian share market itself hasn't performed badly in an overall sense in that twelve month period, but the investment mandate of Benelong and the the philosophy that they follow is to identify companies in the Australian share market that they believe are undervalued for growth opportunities. Now during the twelve months, it was the financial sector and the resource sector that really did the performance with Bennelong's mandate not not being fruitful. Now we're not we're not reactive to underperformance where the market reacts to many different events and situations. But when something becomes systemic or ongoing, that's when we do take action. So in that respect, as a company, we have made the decision to review the Bennelong Equities Australian Equities Fund for alternative for our clients, and that's something that I would like to look at for yourself. So if you're happy with that, that's something I'm gonna I'm gonna investigate a little bit. Exactly. Exactly. Yep. So being a and you are a gross in what we term as a growth investor, you know, we would typically see one in every five years being a oh, sorry. One in every six years being a negative return, and we would expect that. But and this hasn't been negative. It just the the total return has been influenced by the Bennelong investment. So that's one of the reasons why not only one of the reasons, but there's a systemic ongoing option there that we need to review. The other there's one other I wanna review in the portfolio, and it's not due to underperformance or anything like that. It's the second one down, the beta bank hybrid ETF. The Australian bank system is phasing out the bank hybrids as an option from January 2027. What I want to do is take a little bit more of a proactive approach because I don't know nobody knows what they're gonna be replaced with, and I would like to be proactive in taking the opportunity now to review the holdings there to see if there's something more appropriate that we can replace it within the defensive sector, so being fixed interest type of investment just just because, you know, it's I mean, the growth is negative, which we would we don't expect a lot of growth from your defensive type assets. But income wise, it's done its job sitting around the kind of return that you'd expect for a fixed interest type asset. But, yeah, rather than waiting and seeing what happens, I'd like to be a little bit more proactive with that. Mhmm. Mhmm. That's a great question. Okay. So the income, if you think of it, two different elements. So the bank hybrid shares or ETF, sorry, that I mentioned above. If you think of that as kind of like a term deposit that only pays an interest component, it doesn't grow, but it pays an income. That's what if you think of it like that, that's what that income is there. It's generally based on a a fixed rate. And you wouldn't typically see much gross with those types of holdings. But the the one below that, the beta global cyber ETF, that's more of a gross option, and that's typically you'd see that holding would have some share exposure. So the income for something with a share exposure would be typically a dividend. So there's an in so with a gross asset, there's typically two the same with defensive, but defensive is more income producing than anything. With with growth, it has a gross option and then an income producing option. So the the income is the income distributed by the the fund manager, so beta shares, being all the dividends that were earned in the fund, etcetera, that have been directed to your holdings, so your your unit holdings. The growth is the market movement. So that, for example, is the value of it. So if I bought a one CBA share buy at $100 ten years ago, and today it's valued at $300, my growth is $200. Mhmm. Let's have a look. Oh, sorry. Pressed the wrong button. Give me one second. Okay. So the difference between the market value end period, which is the fourth column in, and the market value start period being the first column. The difference is $27,500 roughly. So the total earnings is 18. So those that growth is net of your fees and contributions. So the difference would be your contributions because you'll see the buyers in period. So see the the second column being the buyers? That's essentially what your contributions have purchased, noting that some would also stay in cash to fund insurance premiums, fee, etcetera. Yeah. Does that make sense? Yes. Yeah. Okay. The next document over is the 2026 Vanguard index chart. Now this is a great educational tool, and it works really well with your questions just before on the difference of income and growth. So I can this this tool really helps to visualize it. So down the right hand side of the column, you'll see US shares, estranged shares, international, and property. They're your gross assets. So as a growth in Vista, we would see approximately 80% of your superannuation balance invested across those four types of investments. And as you will see, the on the those colors that match up with those assets, the volatility they experience. Yeah. Yep. So they're the one they're your gross producing assets. So if you wanna line it up, you can line it up with across the top of the page, there's some black ride smaller black riding, and they're world events, etcetera. So you see the per the most common one is the GFC, which is back in o seven, o eight. Or if even if you look at COVID nineteen where the market absolutely tanked yep. So being a growth investor means that you are comfortable and understand the volatility associated with those that those types of investments. So that's when it said it had growth the gross in period, that's what this refers to, the ups and downs, the fluctuations. The next two down being Australian bonds and cash, they're your defensive assets. So that's like the beta shares I mentioned, the the one that I wanna look at reviewing. You don't over the long term, yeah, you see a little bit of growth, but they basically produce income. So they're the defensive part of your portfolio to try and offset some of that when we're in a down period. Yeah. You know, it's still producing some income because the markets, how they behave is generally when one sector is in a period of growth, another is performing strongly. So an example could be interest rates at the moment. Defensive assets could probably start producing a little bit more income due to the fact that, you know, we've got rising interest rates. But on the flip side, the property sector may feel the pinch of that because interest rates are then rising. So they're they're correlated in many different ways and they behave in opposite ways to depending on what's happening in the world. So that's why diversification is really important in the portfolio. So with the growth type investor, what I just wanted to run through with you is to make sure it is something that you're comfortable with and you understand is that split of being eighty twenty. What we typically expect is a minimum suggested investment time frame of six years. So and that's to withstand those volatile periods. So if we think yeah. Yeah. Yeah. Yep. Yep. So it's a it's not necessarily six years with Oakview. It's six years in that type of investment model. Okay. Yep. Yeah. Mhmm. Fantastic. Yeah. And to to reiterate on that is you're twelve years away from being able to legally access your superannuation at this stage. So you do have time on your side to withstand that market ups and downs. Yep. Okay. Alright. That's lovely to confirm that. The next document is your certificate of currency for your insurances. So we we spoke briefly about those before. These doc next two documents is a certificate of currency. It simply shows that your cover is in place, that it is paid from your superannuation fund, and the levels of cover as we talked about earlier. Yep. The second last document is our financial services guide, and that is a document that you would have seen in the past, but it is an updated version. It tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the different types of advice we can provide and how we provide it, including a outline of our fee guide, and importantly, the complaints process. So shall you be dissatisfied or have a complaint, the process that you can follow to remediate that. Lovely. And the last document is your ongoing fee arrangement. So it's basically your renewal in advice fee. So every single year, you receive a document like this that says what the fee will be for the next twelve months. What's what we've changed since probably the last twelve months since your last one is that it's no longer variable, so set at a percent based fee amount. It's calculated still on the same amount, the 1.65%, but it is then fixed for twelve months. So what that means is consistency for clients, key transparency, and the confirmation that it's not gonna fluctuate. So, for example, in a good market, there's, you know, the product market's performing well. You're up 10%. That does not necessarily mean our fee should rise 10%. So it's fixed for the twelve months. So what it is is the annual fee is $5,629 and 86 divided by 12 deducted monthly from your hub twenty four account, which is equates being $469.15 a month. And as always, same same process and options for advice available that cover that fee is your annual review. Should you have anything in the meantime or before you end your review, change of circumstances, the need to seek additional advice, we're available, and you you can just make contact with us and we'll meet with you for whatever it is that you need. So that's what that covers. Yeah. Yep. Yes. Mhmm. Okay. So what what the next steps from here will be is I'm going to go away and do a little bit of research as to appropriate alternatives. So to take into account what it is that you're wanting to achieve and make sure that any alternatives will still are still in your best interest. I am going to then, which I'll do now if you have time. I'm gonna book you in for some time in the next I'm just looking at weeks because it takes us about two weeks to get it all together. And we're gonna have another and I'm gonna present those recommendations to you for you to sign off on before anything has changed. So is it this time of day that works best for you being 03:00? Yep. Yeah. That's absolutely fine. Give me a second to navigate through my calendar because Daylight Saving starts as well shortly. So I just wanna make sure my I pick I yeah. I just gotta make sure that I pick the right time slot. Okay. So let's have a look. If it we're looking at the week beginning the October 19 at this stage, and you said about four thirty? I can do Thursday afternoon, the twenty second at 04:30 Queensland time. I was gonna say, would you like me to send you through a calendar invite? No? Alright. So I've got that the October 22 at 04:30 Queensland time. Lovely. Beautiful. Alright. Any any other questions before I before we jump off? Fantastic. Alright. I will I look forward to speaking to you on the twenty second, and enjoy the rest of your afternoon. Thank you. You too. 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Brad. This is Jenna here phoning from Oakview Financial. How are you today? I'm well. Thank you.\n\nJust before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Fantastic. Brad, can I please ask you to confirm your full name, date of birth, and address? Thank you for confirming that, Brad.\n\nI'm phoning today to complete and go through your annual review. Do you still have time to do that? Lovely. Before we get to the crux of it, I guess, what I'd like to do is just check-in with you and see how everything's been going and has there been any significant financial or personal changes to your situation? Yep.\n\nThat's absolutely great. That's a fantastic goal. How good would that feel in five years? Yeah. Oh, that's that's fantastic.\n\nThat's a great approach. Well done to you both. Speaking of the debt, we had it listed at 300 and 2,000 last time. Is it going down? That's fantastic.\n\nNo. That's great. Anything else that you can think of outside of that? Yeah. Yep.\n\nYeah. Yeah. K l r $6.50? Okay. That is fantastic.\n\nAnd you we've got cash noted here with about 30,000. Would that still be right? 40? Okay. And you said you you mentioned your wage is pretty much the same.\n\nWe have a 125 noted. Is that is that consistent? Yeah. Is that plus super? Great.\n\nYeah. Yep. Yeah. Oh, actually, how much is that? Do you know that off the top of your head?\n\nYeah. That would be great. Thank you. Her phone not awake. Yep.\n\nYeah. So you that's $2.50 a pay cycle. Is that right? Okay. Do you get more than the standard 12% by by signing up to doing that extra salary sacrifice?\n\nOkay. Who's your employer? Education Queensland. Yeah. You definitely I think you would.\n\nI'm going to do a little bit of research while we chat through things. Okay. So that's $2.50 a week. We had yeah. Yeah.\n\nYep. Okay. So let's have a look at this. An employer contribution. So with Education Queensland, you get 12.75%.\n\nIf you're under 75, there's a default contribution of 5%, and that's set up pretax. Accountants earnings to mandatory. Yep. So you get a little you get an extra point 75%, which is nice. Okay.\n\nThat's fantastic. And your $2.50, I've got that. Now we had here savings wise that you were saving $3.50 a fortnight, and that was for holidays and $50 a week for kids. Is that right? So the $50 a week is included in that $3.50.\n\nIs that right? Yep. Yep. Lovely. So that we can just say that's where that and you're happy with that arrangement.\n\nYou're just gonna continue with it. Do you wanna invest that money? Yep. Yep. Absolutely understand.\n\nBeautiful. The I have Corinne as your wife. Is she and we have her noted as your next of kin. We just don't have her contact number. Do you know that?\n\nYeah. Yes. Yes. Fantastic. And I've got two children here, aged 15 and 12.\n\nI suspect they've probably grow gotten a little bit older. Aw. And what are their names? Aw. They're beautiful names.\n\nSo Olive is 16? Yeah. Oh, lovely. I just like to have notes. So when I'm when I actually talk to you, I I can and talk about your children, I I actually know their names and can communicate with you.\n\nAlright. So I've got you here as teacher in theater. You work for Education Queensland. Is there any particular school you're based at at the moment? And how long have you been a teacher for?\n\nOkay. And I've got you here noted as full time, thirty eight hours a week. Is that right? Yes. But you're full time?\n\nYeah. Okay. And do you have any idea what your expenditure is per week? So that would be living expenses, so outside of mortgage or anything like that. Yep.\n\nI do. That's okay. I understand. Thank you. And then probably outside of that, I note that you have a will.\n\nIs it current? Yes. And a power of attorney. Do you have that? I have here that you think it's your brother.\n\nYep. And you're happy with that? Yep. Lovely. What's your brother's name?\n\nI was just about to say, is it a p h or a v? Alright. Lovely. Okay. Just quickly, I know I've noted down your main goal as a family right now is focusing on being debt free and within the next five years.\n\nThe other goal that we had was for retirement. So a happy happy retirement at the age of 65 oh, no. Sorry. Happy with retirement at the age of 65 that you'd like to move out of teaching and gradually transition further into the theater space before retirement. Is that still a retirement goal?\n\nMhmm. Mhmm. Yes. Mhmm. Yeah.\n\nOkay. Yeah. I completely understand, and it sounds like we're all in for a little bit of a a rise yet from yesterday's meeting. Okay. Alright.\n\nOkay. That's absolutely fine. So if with retirement at 60, I'm gonna ask, being debt free, what do you think, income wise, you and Corinne would need to meet your your needs? If you were debt free, you wanted to travel, all those lovely parts of it in retirement plus your living expenses in today's dollars. Mhmm.\n\nYep. I can work with that. What we do is we don't necessarily look at what the balance is at retirement because that's going to vary amongst all sorts of different scenarios. But what what it what matters is is what we look at to model it out is age, proximity to retirement. So you you have age on your you have time on your side and your income needs.\n\nSo what we do is work in reverse. So now we know a time frame and an estimated estimated income required. We can then work backwards to see if you are likely to meet those goals and then identify what needs to be done in order for you to achieve them. So for example, in five years' time, if you're debt free, you have all of a sudden significant surplus after you do a kitchen renovations and all those other sorts of goals that you wanna do. There that might be when we say, look.\n\nAt the moment, you're tracking towards generating 65,000 a year, for example. We need to do x y zed to get you up to 80. This is what we're recommending you do. So you still exactly. But that but but that's the way timing wise, we would look at that.\n\nSo right now, what you're doing paying down debt, you know, that's a great a great approach because you're getting rid of debt that isn't what we call bad debt. So it's not giving you an income. It's not it's not providing a tax deduction or anything like that. It's for your home. So that's definitely a great option.\n\nWhereas you looked at superannuation, you can't access it for another twelve years. The money you're putting in there is locked away. So the salary sacrifice and the SG you're doing at the moment, that's a great way to build your superannuation in a tax effective manner. But once you are debt free on the house, we would then look to what needs to be done then to reach that next big goal of being retirement, the next life stage goal. So, I mean yeah.\n\nYou're definitely on the right path. It's just we'll just keep monitoring it, touching base, all those sorts of things along the way. With one question I do have though. With how old's Corinne? Okay.\n\nFantastic. It makes it ease. Not easy, but, you know, access to super wires, etcetera. You know, 80,000 between the the two of you. I don't know what her superannuation balance is like, but as you do get closer to yeah.\n\nSo at retire as you both get close to retirement, whether you wanna look at it as a couple plan, that's something for you and Corinne to have a discussion about. And we then we can look at you as a household where the income's gonna come from and the best drawdown rate, etcetera, as that time comes. Alright. So what I'm going to do do you have access to your emails at the moment? Yeah?\n\nI'm going to send you through a email. It's gonna come from Odoo Sign and myself, and it's gonna have the review pack included. So when you do open the email, there'll be an option for you to click the sign here or sign documents. Just click on that to open it up. You're not signing anything at the moment.\n\nWe're just gonna talk through the review pack. Yeah. Take yeah. Take your time. Thank you.\n\nYo. Thank you. So you just let let me let me know when you got it open? Lovely. Okay.\n\nAnd the first page you should, yeah, see is a summary of superannuation and insurance. Yeah. So you will note that you have your superannuation held within the HUB24 platform. The balance sits currently at $349,947 rounded up. And you have your insurance with Zurich.\n\nSo your life and TPD is a some insured of a million 247 thousand 920, and then your income protection covers you for $8,111 per month if you are unable to work due to injury or illness with a sixty day waiting period and a two year benefit period. Those covers are funded from your superannuation fund with HUB24, so they're deducted from there. With the with the insurance, are there is there anything you want to review there? Are you happy with the cover? Yeah.\n\nAnd you're aware that there's a type of another type of policy called trauma insurance. Have you been talked about okay. I'll just give you a brief summary of what it does and what it what's the purpose of it is. So this this type of policy is paid through your personal cash flow, so it's not able to be funded through super. And what it provides is a lump sum payment if you are diagnosed with a claimable event.\n\nThey range from different types of cancers, stroke, heart attack, neurological diseases, and it's kind of a stop gap between income protection and TPD and life as typically when you do claim on trauma, it's generally, in most cases, a non terminal situation. So it it's something that you're likely to recover from typically and statistically, and you might just need some funds to help for out of pocket medical expenses. Or a good example is something that happens regularly if you suffer a heart attack that meets the criteria. You know, you might be Yep. Absolutely fine.\n\nAbsolutely fine. No worries at all. The next document in the pack is your performance with hub twenty four. So what this report shows us is I'm missing a oh. It's just gone absolutely blank on me.\n\nSo the first the first investment at the top there you'll see is the Van Al Long Australian Equities Fund. That fund has underperformed in the last twelve months as you'll see based on the report. Yep. So what what has happened is essentially, it's the Australian share market itself hasn't performed badly in an overall sense in that twelve month period, but the investment mandate of Benelong and the the philosophy that they follow is to identify companies in the Australian share market that they believe are undervalued for growth opportunities. Now during the twelve months, it was the financial sector and the resource sector that really did the performance with Bennelong's mandate not not being fruitful.\n\nNow we're not we're not reactive to underperformance where the market reacts to many different events and situations. But when something becomes systemic or ongoing, that's when we do take action. So in that respect, as a company, we have made the decision to review the Bennelong Equities Australian Equities Fund for alternative for our clients, and that's something that I would like to look at for yourself. So if you're happy with that, that's something I'm gonna I'm gonna investigate a little bit. Exactly.\n\nExactly. Yep. So being a and you are a gross in what we term as a growth investor, you know, we would typically see one in every five years being a oh, sorry. One in every six years being a negative return, and we would expect that. But and this hasn't been negative.\n\nIt just the the total return has been influenced by the Bennelong investment. So that's one of the reasons why not only one of the reasons, but there's a systemic ongoing option there that we need to review. The other there's one other I wanna review in the portfolio, and it's not due to underperformance or anything like that. It's the second one down, the beta bank hybrid ETF. The Australian bank system is phasing out the bank hybrids as an option from January 2027.\n\nWhat I want to do is take a little bit more of a proactive approach because I don't know nobody knows what they're gonna be replaced with, and I would like to be proactive in taking the opportunity now to review the holdings there to see if there's something more appropriate that we can replace it within the defensive sector, so being fixed interest type of investment just just because, you know, it's I mean, the growth is negative, which we would we don't expect a lot of growth from your defensive type assets. But income wise, it's done its job sitting around the kind of return that you'd expect for a fixed interest type asset. But, yeah, rather than waiting and seeing what happens, I'd like to be a little bit more proactive with that. Mhmm. Mhmm.\n\nThat's a great question. Okay. So the income, if you think of it, two different elements. So the bank hybrid shares or ETF, sorry, that I mentioned above. If you think of that as kind of like a term deposit that only pays an interest component, it doesn't grow, but it pays an income.\n\nThat's what if you think of it like that, that's what that income is there. It's generally based on a a fixed rate. And you wouldn't typically see much gross with those types of holdings. But the the one below that, the beta global cyber ETF, that's more of a gross option, and that's typically you'd see that holding would have some share exposure. So the income for something with a share exposure would be typically a dividend.\n\nSo there's an in so with a gross asset, there's typically two the same with defensive, but defensive is more income producing than anything. With with growth, it has a gross option and then an income producing option. So the the income is the income distributed by the the fund manager, so beta shares, being all the dividends that were earned in the fund, etcetera, that have been directed to your holdings, so your your unit holdings. The growth is the market movement. So that, for example, is the value of it.\n\nSo if I bought a one CBA share buy at $100 ten years ago, and today it's valued at $300, my growth is $200. Mhmm. Let's have a look. Oh, sorry. Pressed the wrong button.\n\nGive me one second. Okay. So the difference between the market value end period, which is the fourth column in, and the market value start period being the first column. The difference is $27,500 roughly. So the total earnings is 18.\n\nSo those that growth is net of your fees and contributions. So the difference would be your contributions because you'll see the buyers in period. So see the the second column being the buyers? That's essentially what your contributions have purchased, noting that some would also stay in cash to fund insurance premiums, fee, etcetera. Yeah.\n\nDoes that make sense? Yes. Yeah. Okay. The next document over is the 2026 Vanguard index chart.\n\nNow this is a great educational tool, and it works really well with your questions just before on the difference of income and growth. So I can this this tool really helps to visualize it. So down the right hand side of the column, you'll see US shares, estranged shares, international, and property. They're your gross assets. So as a growth in Vista, we would see approximately 80% of your superannuation balance invested across those four types of investments.\n\nAnd as you will see, the on the those colors that match up with those assets, the volatility they experience. Yeah. Yep. So they're the one they're your gross producing assets. So if you wanna line it up, you can line it up with across the top of the page, there's some black ride smaller black riding, and they're world events, etcetera.\n\nSo you see the per the most common one is the GFC, which is back in o seven, o eight. Or if even if you look at COVID nineteen where the market absolutely tanked yep. So being a growth investor means that you are comfortable and understand the volatility associated with those that those types of investments. So that's when it said it had growth the gross in period, that's what this refers to, the ups and downs, the fluctuations. The next two down being Australian bonds and cash, they're your defensive assets.\n\nSo that's like the beta shares I mentioned, the the one that I wanna look at reviewing. You don't over the long term, yeah, you see a little bit of growth, but they basically produce income. So they're the defensive part of your portfolio to try and offset some of that when we're in a down period. Yeah. You know, it's still producing some income because the markets, how they behave is generally when one sector is in a period of growth, another is performing strongly.\n\nSo an example could be interest rates at the moment. Defensive assets could probably start producing a little bit more income due to the fact that, you know, we've got rising interest rates. But on the flip side, the property sector may feel the pinch of that because interest rates are then rising. So they're they're correlated in many different ways and they behave in opposite ways to depending on what's happening in the world. So that's why diversification is really important in the portfolio.\n\nSo with the growth type investor, what I just wanted to run through with you is to make sure it is something that you're comfortable with and you understand is that split of being eighty twenty. What we typically expect is a minimum suggested investment time frame of six years. So and that's to withstand those volatile periods. So if we think yeah. Yeah.\n\nYeah. Yep. Yep. So it's a it's not necessarily six years with Oakview. It's six years in that type of investment model.\n\nOkay. Yep. Yeah. Mhmm. Fantastic.\n\nYeah. And to to reiterate on that is you're twelve years away from being able to legally access your superannuation at this stage. So you do have time on your side to withstand that market ups and downs. Yep. Okay.\n\nAlright. That's lovely to confirm that. The next document is your certificate of currency for your insurances. So we we spoke briefly about those before. These doc next two documents is a certificate of currency.\n\nIt simply shows that your cover is in place, that it is paid from your superannuation fund, and the levels of cover as we talked about earlier. Yep. The second last document is our financial services guide, and that is a document that you would have seen in the past, but it is an updated version. It tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the different types of advice we can provide and how we provide it, including a outline of our fee guide, and importantly, the complaints process. So shall you be dissatisfied or have a complaint, the process that you can follow to remediate that.\n\nLovely. And the last document is your ongoing fee arrangement. So it's basically your renewal in advice fee. So every single year, you receive a document like this that says what the fee will be for the next twelve months. What's what we've changed since probably the last twelve months since your last one is that it's no longer variable, so set at a percent based fee amount.\n\nIt's calculated still on the same amount, the 1.65%, but it is then fixed for twelve months. So what that means is consistency for clients, key transparency, and the confirmation that it's not gonna fluctuate. So, for example, in a good market, there's, you know, the product market's performing well. You're up 10%. That does not necessarily mean our fee should rise 10%.\n\nSo it's fixed for the twelve months. So what it is is the annual fee is $5,629 and 86 divided by 12 deducted monthly from your hub twenty four account, which is equates being $469.15 a month. And as always, same same process and options for advice available that cover that fee is your annual review. Should you have anything in the meantime or before you end your review, change of circumstances, the need to seek additional advice, we're available, and you you can just make contact with us and we'll meet with you for whatever it is that you need. So that's what that covers.\n\nYeah. Yep. Yes. Mhmm. Okay.\n\nSo what what the next steps from here will be is I'm going to go away and do a little bit of research as to appropriate alternatives. So to take into account what it is that you're wanting to achieve and make sure that any alternatives will still are still in your best interest. I am going to then, which I'll do now if you have time. I'm gonna book you in for some time in the next I'm just looking at weeks because it takes us about two weeks to get it all together. And we're gonna have another and I'm gonna present those recommendations to you for you to sign off on before anything has changed.\n\nSo is it this time of day that works best for you being 03:00? Yep. Yeah. That's absolutely fine. Give me a second to navigate through my calendar because Daylight Saving starts as well shortly.\n\nSo I just wanna make sure my I pick I yeah. I just gotta make sure that I pick the right time slot. Okay. So let's have a look. If it we're looking at the week beginning the October 19 at this stage, and you said about four thirty?\n\nI can do Thursday afternoon, the twenty second at 04:30 Queensland time. I was gonna say, would you like me to send you through a calendar invite? No? Alright. So I've got that the October 22 at 04:30 Queensland time.\n\nLovely. Beautiful. Alright. Any any other questions before I before we jump off? Fantastic.\n\nAlright. I will I look forward to speaking to you on the twenty second, and enjoy the rest of your afternoon. Thank you. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Brad.","start":2.72,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.08946054428815842},{"text":"This is Jenna here phoning from Oakview Financial.","start":3.4399998,"end":6.16,"sentiment":"neutral","sentiment_score":0.11992557253688574},{"text":"How are you today?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.15714022144675255},{"text":"I'm well.","start":9.12,"end":9.76,"sentiment":"neutral","sentiment_score":0.2490747720003128},{"text":"Thank you.","start":9.76,"end":10.5,"sentiment":"positive","sentiment_score":0.43862423300743103}],"sentiment":"neutral","sentiment_score":0.17457136470410559,"num_words":18,"start":2.72,"end":10.5},{"sentences":[{"text":"Just before I go any further, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":10.639999,"end":16.065,"sentiment":"neutral","sentiment_score":0.048589261977568916},{"text":"Is that okay?","start":16.065,"end":16.965,"sentiment":"neutral","sentiment_score":0.06394255657990773},{"text":"Fantastic.","start":18.545,"end":19.045,"sentiment":"positive","sentiment_score":0.4345170259475708},{"text":"Brad, can I please ask you to confirm your full name, date of birth, and address?","start":19.665,"end":24.085,"sentiment":"neutral","sentiment_score":0.0837957113981247},{"text":"Thank you for confirming that, Brad.","start":32.4,"end":34.420002,"sentiment":"neutral","sentiment_score":0.31567534307638806}],"sentiment":"neutral","sentiment_score":0.10160573799999392,"num_words":49,"start":10.639999,"end":34.420002},{"sentences":[{"text":"I'm phoning today to complete and go through your annual review.","start":35.36,"end":39.92,"sentiment":"neutral","sentiment_score":0.1697699955918572},{"text":"Do you still have time to do that?","start":39.92,"end":41.86,"sentiment":"neutral","sentiment_score":0.080499152187258},{"text":"Lovely.","start":43.644997,"end":44.144997,"sentiment":"neutral","sentiment_score":0.3146400451660156},{"text":"Before we get to the crux of it, I guess, what I'd like to do is just check-in with you and see how everything's been going and has there been any significant financial or personal changes to your situation?","start":45.565,"end":61.5,"sentiment":"neutral","sentiment_score":0.02232608337623951},{"text":"Yep.","start":106.595,"end":107.075,"sentiment":"neutral","sentiment_score":0.1499390006065369}],"sentiment":"neutral","sentiment_score":0.06411265777423977,"num_words":60,"start":35.36,"end":107.075},{"sentences":[{"text":"That's absolutely great.","start":107.075,"end":108.615,"sentiment":"positive","sentiment_score":0.44989466667175293},{"text":"That's a fantastic goal.","start":108.82001,"end":110.520004,"sentiment":"positive","sentiment_score":0.5838241726160049},{"text":"How good would that feel in five years?","start":110.9,"end":112.840004,"sentiment":"neutral","sentiment_score":0.2131382506340742},{"text":"Yeah.","start":142.08,"end":142.40001,"sentiment":"neutral","sentiment_score":0.2729777693748474},{"text":"Oh, that's that's fantastic.","start":142.40001,"end":143.7,"sentiment":"positive","sentiment_score":0.742297500371933}],"sentiment":"positive","sentiment_score":0.4316127233207226,"num_words":20,"start":107.075,"end":143.7},{"sentences":[{"text":"That's a great approach.","start":143.92,"end":144.90001,"sentiment":"positive","sentiment_score":0.8275554031133652},{"text":"Well done to you both.","start":145.44,"end":146.74,"sentiment":"positive","sentiment_score":0.5584715604782104},{"text":"Speaking of the debt, we had it listed at 300 and 2,000 last time.","start":147.46501,"end":151.625,"sentiment":"neutral","sentiment_score":0.050652198759572845},{"text":"Is it going down?","start":151.625,"end":152.765,"sentiment":"neutral","sentiment_score":0.0300340682733804},{"text":"That's fantastic.","start":156.82501,"end":157.565,"sentiment":"positive","sentiment_score":0.541841447353363}],"sentiment":"neutral","sentiment_score":0.27639756431995793,"num_words":29,"start":143.92,"end":157.565},{"sentences":[{"text":"No.","start":159.785,"end":159.945,"sentiment":"neutral","sentiment_score":0.1872619390487671},{"text":"That's great.","start":159.945,"end":160.765,"sentiment":"neutral","sentiment_score":0.32760193943977356},{"text":"Anything else that you can think of outside of that?","start":161.04001,"end":166.16,"sentiment":"neutral","sentiment_score":0.058969780895859004},{"text":"Yeah.","start":166.16,"end":166.66,"sentiment":"neutral","sentiment_score":0.005146687384694815},{"text":"Yep.","start":179.695,"end":180.195,"sentiment":"neutral","sentiment_score":0.042807262390851974}],"sentiment":"neutral","sentiment_score":0.09867450511083006,"num_words":15,"start":159.785,"end":180.195},{"sentences":[{"text":"Yeah.","start":184.655,"end":185.155,"sentiment":"neutral","sentiment_score":0.020210951566696167},{"text":"Yeah.","start":187.2,"end":187.7,"sentiment":"neutral","sentiment_score":0.02262303978204727},{"text":"K l r $6.50?","start":187.92,"end":189.78,"sentiment":"neutral","sentiment_score":0.014746853383257985},{"text":"Okay.","start":195.12,"end":195.62,"sentiment":"neutral","sentiment_score":0.27833837270736694},{"text":"That is fantastic.","start":196.24,"end":197.22,"sentiment":"positive","sentiment_score":0.527004619439443}],"sentiment":"neutral","sentiment_score":0.1961173635907471,"num_words":10,"start":184.655,"end":197.22},{"sentences":[{"text":"And you we've got cash noted here with about 30,000.","start":197.28,"end":200.8,"sentiment":"neutral","sentiment_score":0.10684366524219513},{"text":"Would that still be right?","start":200.8,"end":204.85501,"sentiment":"neutral","sentiment_score":0.04985325410962105},{"text":"40?","start":204.85501,"end":205.35501,"sentiment":"neutral","sentiment_score":0.02922256663441658},{"text":"Okay.","start":207.41501,"end":207.91501,"sentiment":"neutral","sentiment_score":0.04295510798692703},{"text":"And you said you you mentioned your wage is pretty much the same.","start":208.695,"end":212.71501,"sentiment":"neutral","sentiment_score":0.043782551701252274}],"sentiment":"neutral","sentiment_score":0.06530179232358932,"num_words":30,"start":197.28,"end":212.71501},{"sentences":[{"text":"We have a 125 noted.","start":213.015,"end":215.335,"sentiment":"neutral","sentiment_score":0.063682159781456},{"text":"Is that is that consistent?","start":215.335,"end":218.27,"sentiment":"neutral","sentiment_score":0.0645351804792881},{"text":"Yeah.","start":226.89,"end":227.39,"sentiment":"neutral","sentiment_score":0.026616301387548447},{"text":"Is that plus super?","start":227.945,"end":229.32501,"sentiment":"neutral","sentiment_score":0.028274246957153082},{"text":"Great.","start":234.10501,"end":234.60501,"sentiment":"neutral","sentiment_score":0.11064548045396803}],"sentiment":"neutral","sentiment_score":0.05571534193586558,"num_words":16,"start":213.015,"end":234.60501},{"sentences":[{"text":"Yeah.","start":237.225,"end":237.725,"sentiment":"neutral","sentiment_score":0.016328487545251846},{"text":"Yep.","start":237.865,"end":238.365,"sentiment":"neutral","sentiment_score":0.015280453488230704},{"text":"Yeah.","start":253.91501,"end":254.235,"sentiment":"neutral","sentiment_score":0.012112264521420002},{"text":"Oh, actually, how much is that?","start":254.235,"end":255.515,"sentiment":"neutral","sentiment_score":0.006699595755587022},{"text":"Do you know that off the top of your head?","start":255.515,"end":257.295,"sentiment":"neutral","sentiment_score":0.00008120806887745857}],"sentiment":"neutral","sentiment_score":0.004459518988273646,"num_words":19,"start":237.225,"end":257.295},{"sentences":[{"text":"Yeah.","start":261.115,"end":261.355,"sentiment":"neutral","sentiment_score":0.13354866206645966},{"text":"That would be great.","start":261.355,"end":262.155,"sentiment":"neutral","sentiment_score":0.2996719107031822},{"text":"Thank you.","start":262.155,"end":262.89502,"sentiment":"neutral","sentiment_score":0.2983846515417099},{"text":"Her phone not awake.","start":289.345,"end":290.565,"sentiment":"neutral","sentiment_score":-0.1398144979029894},{"text":"Yep.","start":292.86502,"end":293.36502,"sentiment":"neutral","sentiment_score":0.020566388964653015}],"sentiment":"neutral","sentiment_score":0.11585950044294198,"num_words":12,"start":261.115,"end":293.36502},{"sentences":[{"text":"Yeah.","start":316.645,"end":316.885,"sentiment":"neutral","sentiment_score":0.04348364472389221},{"text":"So you that's $2.50 a pay cycle.","start":316.885,"end":318.965,"sentiment":"neutral","sentiment_score":0.043670437165669033},{"text":"Is that right?","start":318.965,"end":319.785,"sentiment":"neutral","sentiment_score":0.05151565745472908},{"text":"Okay.","start":326.01,"end":326.25,"sentiment":"neutral","sentiment_score":0.06036996096372605},{"text":"Do you get more than the standard 12% by by signing up to doing that extra salary sacrifice?","start":326.25,"end":332.35,"sentiment":"neutral","sentiment_score":0.01818272067854802}],"sentiment":"neutral","sentiment_score":0.0297127536808451,"num_words":30,"start":316.645,"end":332.35},{"sentences":[{"text":"Okay.","start":335.45,"end":335.85,"sentiment":"neutral","sentiment_score":-0.008678139187395573},{"text":"Who's your employer?","start":335.85,"end":336.83002,"sentiment":"neutral","sentiment_score":-0.012823450068632761},{"text":"Education Queensland.","start":339.165,"end":340.065,"sentiment":"neutral","sentiment_score":0.0037987204268574723},{"text":"Yeah.","start":340.125,"end":340.285,"sentiment":"neutral","sentiment_score":0.05559489876031875},{"text":"You definitely I think you would.","start":340.285,"end":342.70502,"sentiment":"neutral","sentiment_score":0.07760745286941528}],"sentiment":"neutral","sentiment_score":0.03705296672594089,"num_words":13,"start":335.45,"end":342.70502},{"sentences":[{"text":"I'm going to do a little bit of research while we chat through things.","start":343.165,"end":348.225,"sentiment":"neutral","sentiment_score":0.028955297145460333},{"text":"Okay.","start":351.325,"end":351.805,"sentiment":"neutral","sentiment_score":0.03425443172454834},{"text":"So that's $2.50 a week.","start":351.805,"end":354.08002,"sentiment":"neutral","sentiment_score":0.026977036148309708},{"text":"We had yeah.","start":355.18,"end":357.37,"sentiment":"neutral","sentiment_score":0.016883927086989086},{"text":"Yeah.","start":374.905,"end":375.405,"sentiment":"neutral","sentiment_score":0.04082873836159706}],"sentiment":"neutral","sentiment_score":0.02774976217187941,"num_words":24,"start":343.165,"end":375.405},{"sentences":[{"text":"Yep.","start":375.465,"end":375.94498,"sentiment":"neutral","sentiment_score":0.04070284962654114},{"text":"Okay.","start":375.94498,"end":376.44498,"sentiment":"neutral","sentiment_score":0.04482356086373329},{"text":"So let's have a look at this.","start":377.145,"end":379.32498,"sentiment":"neutral","sentiment_score":0.03090912103652954},{"text":"An employer contribution.","start":380.15,"end":381.53,"sentiment":"neutral","sentiment_score":0.01923704023162524},{"text":"So with Education Queensland, you get 12.75%.","start":382.31,"end":387.05002,"sentiment":"neutral","sentiment_score":0.05735290689127786}],"sentiment":"neutral","sentiment_score":0.040056406667358,"num_words":19,"start":375.465,"end":387.05002},{"sentences":[{"text":"If you're under 75, there's a default contribution of 5%, and that's set up pretax.","start":387.99,"end":394.33002,"sentiment":"neutral","sentiment_score":0.021698683748642603},{"text":"Accountants earnings to mandatory.","start":395.465,"end":398.125,"sentiment":"neutral","sentiment_score":-0.0007291970541700721},{"text":"Yep.","start":398.745,"end":398.98502,"sentiment":"neutral","sentiment_score":0.15514424443244934},{"text":"So you get a little you get an extra point 75%, which is nice.","start":398.98502,"end":402.445,"sentiment":"neutral","sentiment_score":0.2682241765516145},{"text":"Okay.","start":405.545,"end":406.045,"sentiment":"positive","sentiment_score":0.4617578983306885}],"sentiment":"neutral","sentiment_score":0.13413154521424855,"num_words":35,"start":387.99,"end":406.045},{"sentences":[{"text":"That's fantastic.","start":407.065,"end":408.21,"sentiment":"positive","sentiment_score":0.7460165321826935},{"text":"And your $2.50, I've got that.","start":408.21,"end":410.38998,"sentiment":"positive","sentiment_score":0.3573602835337321},{"text":"Now we had here savings wise that you were saving $3.50 a fortnight, and that was for holidays and $50 a week for kids.","start":410.93,"end":421.925,"sentiment":"neutral","sentiment_score":0.14345666331549486},{"text":"Is that right?","start":421.925,"end":422.905,"sentiment":"neutral","sentiment_score":0.12469993531703949},{"text":"So the $50 a week is included in that $3.50.","start":427.76498,"end":431.38498,"sentiment":"neutral","sentiment_score":0.14526132494211197}],"sentiment":"neutral","sentiment_score":0.19790817201137542,"num_words":45,"start":407.065,"end":431.38498},{"sentences":[{"text":"Is that right?","start":431.525,"end":432.21,"sentiment":"neutral","sentiment_score":0.10098123053709666},{"text":"Yep.","start":441.81,"end":442.31,"sentiment":"neutral","sentiment_score":0.016512535512447357},{"text":"Yep.","start":444.44998,"end":444.94998,"sentiment":"neutral","sentiment_score":0.05003112554550171},{"text":"Lovely.","start":448.505,"end":448.905,"sentiment":"positive","sentiment_score":0.7613190412521362},{"text":"So that we can just say that's where that and you're happy with that arrangement.","start":448.905,"end":452.205,"sentiment":"positive","sentiment_score":0.6715623656908671}],"sentiment":"positive","sentiment_score":0.5335353275849706,"num_words":21,"start":431.525,"end":452.205},{"sentences":[{"text":"You're just gonna continue with it.","start":452.26498,"end":453.625,"sentiment":"positive","sentiment_score":0.44825634857018787},{"text":"Do you wanna invest that money?","start":453.625,"end":455.325,"sentiment":"neutral","sentiment_score":0.07419018944104512},{"text":"Yep.","start":463.93,"end":464.43,"sentiment":"neutral","sentiment_score":0.05878111347556114},{"text":"Yep.","start":473.84998,"end":474.34998,"sentiment":"neutral","sentiment_score":0.1302981078624725},{"text":"Absolutely understand.","start":474.49,"end":475.62997,"sentiment":"neutral","sentiment_score":0.33240431547164917}],"sentiment":"neutral","sentiment_score":0.24928544252179563,"num_words":16,"start":452.26498,"end":475.62997},{"sentences":[{"text":"Beautiful.","start":476.025,"end":476.525,"sentiment":"positive","sentiment_score":0.5316205024719238},{"text":"The I have Corinne as your wife.","start":477.145,"end":481.885,"sentiment":"neutral","sentiment_score":0.17976441234350204},{"text":"Is she and we have her noted as your next of kin.","start":482.345,"end":486.045,"sentiment":"neutral","sentiment_score":0.09252513634661834},{"text":"We just don't have her contact number.","start":487.145,"end":488.98502,"sentiment":"neutral","sentiment_score":-0.028667602155889784},{"text":"Do you know that?","start":488.98502,"end":489.965,"sentiment":"neutral","sentiment_score":-0.024008453590795398}],"sentiment":"neutral","sentiment_score":0.08398599985746606,"num_words":31,"start":476.025,"end":489.965},{"sentences":[{"text":"Yeah.","start":491.16998,"end":491.66998,"sentiment":"neutral","sentiment_score":0.009310813620686533},{"text":"Yes.","start":493.88998,"end":494.38998,"sentiment":"neutral","sentiment_score":0.010319704189896584},{"text":"Yes.","start":496.21,"end":496.71,"sentiment":"neutral","sentiment_score":0.016589384526014328},{"text":"Fantastic.","start":498.21,"end":498.71,"sentiment":"positive","sentiment_score":0.4263178706169128},{"text":"And I've got two children here, aged 15 and 12.","start":499.56998,"end":503.27,"sentiment":"neutral","sentiment_score":0.12445403188467026}],"sentiment":"neutral","sentiment_score":0.12193414941430092,"num_words":14,"start":491.16998,"end":503.27},{"sentences":[{"text":"I suspect they've probably grow gotten a little bit older.","start":503.40997,"end":509.725,"sentiment":"neutral","sentiment_score":0.04602702679112554},{"text":"Aw.","start":511.865,"end":511.945,"sentiment":"neutral","sentiment_score":0.03415834531188011},{"text":"And what are their names?","start":511.945,"end":513.885,"sentiment":"neutral","sentiment_score":0.01641713622957468},{"text":"Aw.","start":516.425,"end":516.825,"sentiment":"neutral","sentiment_score":0.11559534072875977},{"text":"They're beautiful names.","start":516.825,"end":518.125,"sentiment":"neutral","sentiment_score":0.3164287656545639}],"sentiment":"neutral","sentiment_score":0.08206979660317301,"num_words":20,"start":503.40997,"end":518.125},{"sentences":[{"text":"So Olive is 16?","start":519.57996,"end":521.51996,"sentiment":"neutral","sentiment_score":0.05241019744426012},{"text":"Yeah.","start":523.18,"end":523.68,"sentiment":"neutral","sentiment_score":0.07992897927761078},{"text":"Oh, lovely.","start":523.81995,"end":524.45996,"sentiment":"neutral","sentiment_score":0.24732021987438202},{"text":"I just like to have notes.","start":524.45996,"end":525.74,"sentiment":"neutral","sentiment_score":0.2136967678864797},{"text":"So when I'm when I actually talk to you, I I can and talk about your children, I I actually know their names and can communicate with you.","start":525.74,"end":535.385,"sentiment":"neutral","sentiment_score":0.10439430656177658}],"sentiment":"neutral","sentiment_score":0.12169344877687896,"num_words":41,"start":519.57996,"end":535.385},{"sentences":[{"text":"Alright.","start":535.685,"end":536.165,"sentiment":"neutral","sentiment_score":0.06197146326303482},{"text":"So I've got you here as teacher in theater.","start":536.165,"end":539.305,"sentiment":"neutral","sentiment_score":0.043178445349136986},{"text":"You work for Education Queensland.","start":541.925,"end":545.5,"sentiment":"neutral","sentiment_score":0.020905382558703424},{"text":"Is there any particular school you're based at at the moment?","start":545.72003,"end":548.54004,"sentiment":"neutral","sentiment_score":0.01936812148514119},{"text":"And how long have you been a teacher for?","start":559.15497,"end":561.495,"sentiment":"neutral","sentiment_score":0.006616795021626685}],"sentiment":"neutral","sentiment_score":0.02364871073514223,"num_words":35,"start":535.685,"end":561.495},{"sentences":[{"text":"Okay.","start":579.81,"end":580.31,"sentiment":"neutral","sentiment_score":-0.00010247466707369313},{"text":"And I've got you here noted as full time, thirty eight hours a week.","start":581.73,"end":585.41,"sentiment":"neutral","sentiment_score":0.07970703313393253},{"text":"Is that right?","start":585.41,"end":586.185,"sentiment":"neutral","sentiment_score":0.05699423203865687},{"text":"Yes.","start":589.145,"end":589.645,"sentiment":"neutral","sentiment_score":0.047722361981868744},{"text":"But you're full time?","start":594.505,"end":595.725,"sentiment":"neutral","sentiment_score":0.028015376534312963}],"sentiment":"neutral","sentiment_score":0.06289402406274229,"num_words":23,"start":579.81,"end":595.725},{"sentences":[{"text":"Yeah.","start":597.465,"end":597.865,"sentiment":"neutral","sentiment_score":0.06790811568498611},{"text":"Okay.","start":597.865,"end":598.365,"sentiment":"neutral","sentiment_score":0.061030928045511246},{"text":"And do you have any idea what your expenditure is per week?","start":598.825,"end":603.99,"sentiment":"neutral","sentiment_score":0.026716421203066904},{"text":"So that would be living expenses, so outside of mortgage or anything like that.","start":604.44995,"end":610.23,"sentiment":"neutral","sentiment_score":-0.02351143610264574},{"text":"Yep.","start":635.6,"end":636.1,"sentiment":"neutral","sentiment_score":-0.043353673070669174}],"sentiment":"neutral","sentiment_score":0.0026559420572272664,"num_words":29,"start":597.465,"end":636.1},{"sentences":[{"text":"I do.","start":636.48,"end":637.14,"sentiment":"neutral","sentiment_score":0.01826741173863411},{"text":"That's okay.","start":644.09503,"end":644.995,"sentiment":"neutral","sentiment_score":0.1638675183057785},{"text":"I understand.","start":645.055,"end":645.795,"sentiment":"neutral","sentiment_score":0.27061282098293304},{"text":"Thank you.","start":645.935,"end":646.755,"sentiment":"positive","sentiment_score":0.5350982248783112},{"text":"And then probably outside of that, I note that you have a will.","start":648.335,"end":654.91504,"sentiment":"neutral","sentiment_score":0.06364497800286}],"sentiment":"neutral","sentiment_score":0.13347984123088064,"num_words":21,"start":636.48,"end":654.91504},{"sentences":[{"text":"Is it current?","start":655.44,"end":656.42004,"sentiment":"neutral","sentiment_score":0.028447528680165608},{"text":"Yes.","start":658.24005,"end":658.74005,"sentiment":"neutral","sentiment_score":0.06455647945404053},{"text":"And a power of attorney.","start":659.12,"end":660.80005,"sentiment":"neutral","sentiment_score":0.05304680168628693},{"text":"Do you have that?","start":660.80005,"end":661.44,"sentiment":"neutral","sentiment_score":0.03739652968943119},{"text":"I have here that you think it's your brother.","start":661.44,"end":663.54004,"sentiment":"neutral","sentiment_score":0.0398691197236379}],"sentiment":"neutral","sentiment_score":0.041979148645292626,"num_words":22,"start":655.44,"end":663.54004},{"sentences":[{"text":"Yep.","start":665.2,"end":665.7,"sentiment":"neutral","sentiment_score":0.10359679162502287},{"text":"And you're happy with that?","start":667.60004,"end":669.30005,"sentiment":"neutral","sentiment_score":0.30641919672489165},{"text":"Yep.","start":670.48004,"end":670.935,"sentiment":"neutral","sentiment_score":0.1124344915151596},{"text":"Lovely.","start":671.175,"end":671.675,"sentiment":"neutral","sentiment_score":0.2847955822944641},{"text":"What's your brother's name?","start":671.895,"end":673.275,"sentiment":"neutral","sentiment_score":0.07880166918039322}],"sentiment":"neutral","sentiment_score":0.19567746048172316,"num_words":12,"start":665.2,"end":673.275},{"sentences":[{"text":"I was just about to say, is it a p h or a v?","start":676.615,"end":679.595,"sentiment":"neutral","sentiment_score":0.03181142506322691},{"text":"Alright.","start":680.615,"end":681.115,"sentiment":"neutral","sentiment_score":0.1703438013792038},{"text":"Lovely.","start":681.495,"end":681.995,"sentiment":"neutral","sentiment_score":0.30116572976112366},{"text":"Okay.","start":683.575,"end":684.075,"sentiment":"neutral","sentiment_score":0.14673586189746857},{"text":"Just quickly, I know I've noted down your main goal as a family right now is focusing on being debt free and within the next five years.","start":686.78,"end":698.0,"sentiment":"neutral","sentiment_score":0.19152922873143796}],"sentiment":"neutral","sentiment_score":0.14170214817435903,"num_words":44,"start":676.615,"end":698.0},{"sentences":[{"text":"The other goal that we had was for retirement.","start":699.15497,"end":704.855,"sentiment":"neutral","sentiment_score":0.18945946130487654},{"text":"So a happy happy retirement at the age of 65 oh, no.","start":705.07495,"end":709.555,"sentiment":"positive","sentiment_score":0.3452310462792714},{"text":"Sorry.","start":709.555,"end":709.875,"sentiment":"neutral","sentiment_score":0.055961258709430695},{"text":"Happy with retirement at the age of 65 that you'd like to move out of teaching and gradually transition further into the theater space before retirement.","start":709.875,"end":720.26,"sentiment":"neutral","sentiment_score":0.2320462132875736},{"text":"Is that still a retirement goal?","start":720.4,"end":724.18005,"sentiment":"neutral","sentiment_score":0.15043466538190842}],"sentiment":"neutral","sentiment_score":0.23777182414023965,"num_words":54,"start":699.15497,"end":724.18005},{"sentences":[{"text":"Mhmm.","start":738.875,"end":739.375,"sentiment":"neutral","sentiment_score":0.18028859794139865},{"text":"Mhmm.","start":739.91504,"end":740.41504,"sentiment":"neutral","sentiment_score":0.14692243933677673},{"text":"Yes.","start":745.26,"end":745.76,"sentiment":"neutral","sentiment_score":0.13857296109199524},{"text":"Mhmm.","start":770.4,"end":770.9,"sentiment":"neutral","sentiment_score":0.28495436906814575},{"text":"Yeah.","start":774.56,"end":775.06,"sentiment":"neutral","sentiment_score":0.1751100718975067}],"sentiment":"neutral","sentiment_score":0.18516968786716462,"num_words":5,"start":738.875,"end":775.06},{"sentences":[{"text":"Okay.","start":775.76,"end":776.26,"sentiment":"neutral","sentiment_score":0.17859181761741638},{"text":"Yeah.","start":793.26,"end":793.76,"sentiment":"neutral","sentiment_score":0.0030823424458503723},{"text":"I completely understand, and it sounds like we're all in for a little bit of a a rise yet from yesterday's meeting.","start":800.54004,"end":809.315,"sentiment":"neutral","sentiment_score":-0.05589739097790285},{"text":"Okay.","start":810.415,"end":810.915,"sentiment":"neutral","sentiment_score":0.05839754641056061},{"text":"Alright.","start":811.375,"end":811.875,"sentiment":"neutral","sentiment_score":0.06881626695394516}],"sentiment":"neutral","sentiment_score":-0.03541748569561885,"num_words":26,"start":775.76,"end":811.875},{"sentences":[{"text":"Okay.","start":814.415,"end":814.915,"sentiment":"neutral","sentiment_score":-0.0924186185002327},{"text":"That's absolutely fine.","start":824.91003,"end":826.37,"sentiment":"positive","sentiment_score":0.3633686105410258},{"text":"So if with retirement at 60, I'm gonna ask, being debt free, what do you think, income wise, you and Corinne would need to meet your your needs?","start":826.51,"end":845.02496,"sentiment":"neutral","sentiment_score":0.065261520711439},{"text":"If you were debt free, you wanted to travel, all those lovely parts of it in retirement plus your living expenses in today's dollars.","start":845.02496,"end":858.03,"sentiment":"neutral","sentiment_score":0.22337928717024624},{"text":"Mhmm.","start":874.11,"end":874.61,"sentiment":"neutral","sentiment_score":0.06373065710067749}],"sentiment":"neutral","sentiment_score":0.1447340937233285,"num_words":57,"start":814.415,"end":874.61},{"sentences":[{"text":"Yep.","start":884.99,"end":885.49,"sentiment":"neutral","sentiment_score":0.06994234025478363},{"text":"I can work with that.","start":887.39,"end":888.76996,"sentiment":"neutral","sentiment_score":0.29262197613716123},{"text":"What we do is we don't necessarily look at what the balance is at retirement because that's going to vary amongst all sorts of different scenarios.","start":888.875,"end":901.615,"sentiment":"neutral","sentiment_score":-0.048636593139515474},{"text":"But what what it what matters is is what we look at to model it out is age, proximity to retirement.","start":901.915,"end":912.47,"sentiment":"neutral","sentiment_score":0.052127097511575335},{"text":"So you you have age on your you have time on your side and your income needs.","start":912.47,"end":918.16504,"sentiment":"neutral","sentiment_score":0.023492293980191734}],"sentiment":"neutral","sentiment_score":0.02517912635313613,"num_words":70,"start":884.99,"end":918.16504},{"sentences":[{"text":"So what we do is work in reverse.","start":918.16504,"end":921.685,"sentiment":"neutral","sentiment_score":0.05134872766211629},{"text":"So now we know a time frame and an estimated estimated income required.","start":921.685,"end":926.985,"sentiment":"neutral","sentiment_score":0.09172380285767409},{"text":"We can then work backwards to see if you are likely to meet those goals and then identify what needs to be done in order for you to achieve them.","start":927.925,"end":941.57,"sentiment":"neutral","sentiment_score":0.15834979340434074},{"text":"So for example, in five years' time, if you're debt free, you have all of a sudden significant surplus after you do a kitchen renovations and all those other sorts of goals that you wanna do.","start":941.63,"end":954.39496,"sentiment":"neutral","sentiment_score":0.1323587161799272},{"text":"There that might be when we say, look.","start":955.495,"end":957.96,"sentiment":"neutral","sentiment_score":0.0683595109730959}],"sentiment":"neutral","sentiment_score":0.12279455716672696,"num_words":95,"start":918.16504,"end":957.96},{"sentences":[{"text":"At the moment, you're tracking towards generating 65,000 a year, for example.","start":958.44,"end":964.14,"sentiment":"neutral","sentiment_score":0.09516407207896312},{"text":"We need to do x y zed to get you up to 80.","start":965.64,"end":968.54004,"sentiment":"neutral","sentiment_score":0.15853663705862486},{"text":"This is what we're recommending you do.","start":969.80005,"end":972.38,"sentiment":"neutral","sentiment_score":0.27639769869191305},{"text":"So you still exactly.","start":973.175,"end":978.875,"sentiment":"neutral","sentiment_score":0.1075902134180069},{"text":"But that but but that's the way timing wise, we would look at that.","start":979.33496,"end":984.935,"sentiment":"neutral","sentiment_score":0.09127344536994185}],"sentiment":"neutral","sentiment_score":0.1369183625280857,"num_words":50,"start":958.44,"end":984.935},{"sentences":[{"text":"So right now, what you're doing paying down debt, you know, that's a great a great approach because you're getting rid of debt that isn't what we call bad debt.","start":984.935,"end":999.56,"sentiment":"neutral","sentiment_score":0.21806332506239415},{"text":"So it's not giving you an income.","start":999.56,"end":1002.27997,"sentiment":"neutral","sentiment_score":-0.16608148281063354},{"text":"It's not it's not providing a tax deduction or anything like that.","start":1002.27997,"end":1008.085,"sentiment":"neutral","sentiment_score":-0.01829806963602702},{"text":"It's for your home.","start":1008.085,"end":1009.205,"sentiment":"positive","sentiment_score":0.47064059227705},{"text":"So that's definitely a great option.","start":1009.205,"end":1013.365,"sentiment":"positive","sentiment_score":0.7693802217642466}],"sentiment":"neutral","sentiment_score":0.19760332603828382,"num_words":59,"start":984.935,"end":1013.365},{"sentences":[{"text":"Whereas you looked at superannuation, you can't access it for another twelve years.","start":1013.365,"end":1017.54,"sentiment":"neutral","sentiment_score":-0.04606286952128777},{"text":"The money you're putting in there is locked away.","start":1017.77997,"end":1020.19995,"sentiment":"neutral","sentiment_score":-0.17374949985080296},{"text":"So the salary sacrifice and the SG you're doing at the moment, that's a great way to build your superannuation in a tax effective manner.","start":1020.57996,"end":1029.96,"sentiment":"neutral","sentiment_score":0.2964952924847603},{"text":"But once you are debt free on the house, we would then look to what needs to be done then to reach that next big goal of being retirement, the next life stage goal.","start":1031.235,"end":1045.9,"sentiment":"neutral","sentiment_score":0.05925386278506588},{"text":"So, I mean yeah.","start":1047.8,"end":1050.54,"sentiment":"neutral","sentiment_score":0.24988466873764992}],"sentiment":"neutral","sentiment_score":0.09722340610973976,"num_words":85,"start":1013.365,"end":1050.54},{"sentences":[{"text":"You're definitely on the right path.","start":1050.6,"end":1052.46,"sentiment":"positive","sentiment_score":0.556953360637029},{"text":"It's just we'll just keep monitoring it, touching base, all those sorts of things along the way.","start":1052.6,"end":1060.5751,"sentiment":"neutral","sentiment_score":0.1643301105017171},{"text":"With one question I do have though.","start":1062.0751,"end":1064.415,"sentiment":"neutral","sentiment_score":-0.0016290243448955672},{"text":"With how old's Corinne?","start":1064.555,"end":1066.175,"sentiment":"neutral","sentiment_score":-0.002667088818270713},{"text":"Okay.","start":1069.035,"end":1069.535,"sentiment":"neutral","sentiment_score":0.1419074535369873}],"sentiment":"neutral","sentiment_score":0.17871908486288574,"num_words":35,"start":1050.6,"end":1069.535},{"sentences":[{"text":"Fantastic.","start":1069.675,"end":1070.175,"sentiment":"positive","sentiment_score":0.43171924352645874},{"text":"It makes it ease.","start":1070.73,"end":1071.53,"sentiment":"positive","sentiment_score":0.3429453670978546},{"text":"Not easy, but, you know, access to super wires, etcetera.","start":1071.53,"end":1075.87,"sentiment":"neutral","sentiment_score":0.008832993358373642},{"text":"You know, 80,000 between the the two of you.","start":1078.41,"end":1081.85,"sentiment":"neutral","sentiment_score":-0.004786713048815727},{"text":"I don't know what her superannuation balance is like, but as you do get closer to yeah.","start":1081.85,"end":1088.1849,"sentiment":"neutral","sentiment_score":-0.07203043515191358}],"sentiment":"neutral","sentiment_score":0.015225190987310759,"num_words":41,"start":1069.675,"end":1088.1849},{"sentences":[{"text":"So at retire as you both get close to retirement, whether you wanna look at it as a couple plan, that's something for you and Corinne to have a discussion about.","start":1088.405,"end":1098.825,"sentiment":"neutral","sentiment_score":0.10458754483730562},{"text":"And we then we can look at you as a household where the income's gonna come from and the best drawdown rate, etcetera, as that time comes.","start":1099.38,"end":1109.8,"sentiment":"neutral","sentiment_score":0.05300407187530288},{"text":"Alright.","start":1112.355,"end":1112.855,"sentiment":"neutral","sentiment_score":0.06076385825872421},{"text":"So what I'm going to do do you have access to your emails at the moment?","start":1112.915,"end":1117.015,"sentiment":"neutral","sentiment_score":0.03786384453997016},{"text":"Yeah?","start":1118.675,"end":1119.175,"sentiment":"neutral","sentiment_score":0.024632863700389866}],"sentiment":"neutral","sentiment_score":0.07058607980510906,"num_words":76,"start":1088.405,"end":1119.175},{"sentences":[{"text":"I'm going to send you through a email.","start":1119.555,"end":1124.1201,"sentiment":"neutral","sentiment_score":0.0538676050491631},{"text":"It's gonna come from Odoo Sign and myself, and it's gonna have the review pack included.","start":1124.1201,"end":1135.02,"sentiment":"neutral","sentiment_score":0.11276676086708903},{"text":"So when you do open the email, there'll be an option for you to click the sign here or sign documents.","start":1135.4801,"end":1143.5249,"sentiment":"neutral","sentiment_score":0.06447104825859978},{"text":"Just click on that to open it up.","start":1144.7849,"end":1146.3049,"sentiment":"neutral","sentiment_score":0.06001787539571524},{"text":"You're not signing anything at the moment.","start":1146.3049,"end":1147.985,"sentiment":"negative","sentiment_score":-0.4263261003153665}],"sentiment":"neutral","sentiment_score":0.018082688810924688,"num_words":60,"start":1119.555,"end":1147.985},{"sentences":[{"text":"We're just gonna talk through the review pack.","start":1147.985,"end":1150.74,"sentiment":"neutral","sentiment_score":-0.17072315141558647},{"text":"Yeah.","start":1158.74,"end":1159.14,"sentiment":"neutral","sentiment_score":-0.0008037947118282318},{"text":"Take yeah.","start":1159.14,"end":1160.5,"sentiment":"neutral","sentiment_score":0.00751629751175642},{"text":"Take your time.","start":1160.5,"end":1161.48,"sentiment":"neutral","sentiment_score":0.015844424565633137},{"text":"Thank you.","start":1163.0599,"end":1163.775,"sentiment":"positive","sentiment_score":0.3397124856710434}],"sentiment":"neutral","sentiment_score":-0.03903738537337631,"num_words":16,"start":1147.985,"end":1163.775},{"sentences":[{"text":"Yo.","start":1213.51,"end":1213.75,"sentiment":"neutral","sentiment_score":0.19289380311965945},{"text":"Thank you.","start":1213.75,"end":1214.57,"sentiment":"positive","sentiment_score":0.4547485262155533},{"text":"So you just let let me let me know when you got it open?","start":1215.83,"end":1219.2899,"sentiment":"neutral","sentiment_score":0.11920269099729401},{"text":"Lovely.","start":1224.175,"end":1224.675,"sentiment":"positive","sentiment_score":0.36468541622161865},{"text":"Okay.","start":1224.735,"end":1225.135,"sentiment":"neutral","sentiment_score":0.1932544708251953}],"sentiment":"neutral","sentiment_score":0.17521939034524717,"num_words":19,"start":1213.51,"end":1225.135},{"sentences":[{"text":"And the first page you should, yeah, see is a summary of superannuation and insurance.","start":1225.135,"end":1231.0751,"sentiment":"neutral","sentiment_score":0.08712923477093379},{"text":"Yeah.","start":1232.655,"end":1233.155,"sentiment":"neutral","sentiment_score":0.06954364478588104},{"text":"So you will note that you have your superannuation held within the HUB24 platform.","start":1233.44,"end":1239.0599,"sentiment":"neutral","sentiment_score":0.05217246365334306},{"text":"The balance sits currently at $349,947 rounded up.","start":1239.6,"end":1246.635,"sentiment":"neutral","sentiment_score":0.02304297173395753},{"text":"And you have your insurance with Zurich.","start":1247.515,"end":1249.935,"sentiment":"neutral","sentiment_score":0.03471550052719457}],"sentiment":"neutral","sentiment_score":0.056316643001304734,"num_words":45,"start":1225.135,"end":1249.935},{"sentences":[{"text":"So your life and TPD is a some insured of a million 247 thousand 920, and then your income protection covers you for $8,111 per month if you are unable to work due to injury or illness with a sixty day waiting period and a two year benefit period.","start":1250.155,"end":1272.72,"sentiment":"neutral","sentiment_score":-0.024700144229798902},{"text":"Those covers are funded from your superannuation fund with HUB24, so they're deducted from there.","start":1274.3151,"end":1282.895,"sentiment":"neutral","sentiment_score":0.14118401755889257},{"text":"With the with the insurance, are there is there anything you want to review there?","start":1283.995,"end":1291.17,"sentiment":"neutral","sentiment_score":0.04735014388958613},{"text":"Are you happy with the cover?","start":1291.87,"end":1293.41,"sentiment":"neutral","sentiment_score":0.03625639590124289},{"text":"Yeah.","start":1297.63,"end":1298.13,"sentiment":"neutral","sentiment_score":-0.07212267816066742}],"sentiment":"neutral","sentiment_score":0.020501407578067725,"num_words":86,"start":1250.155,"end":1298.13},{"sentences":[{"text":"And you're aware that there's a type of another type of policy called trauma insurance.","start":1298.43,"end":1304.905,"sentiment":"neutral","sentiment_score":-0.125509013235569},{"text":"Have you been talked about okay.","start":1304.905,"end":1310.425,"sentiment":"neutral","sentiment_score":-0.08229382243007421},{"text":"I'll just give you a brief summary of what it does and what it what's the purpose of it is.","start":1310.425,"end":1316.605,"sentiment":"neutral","sentiment_score":0.041015249025076625},{"text":"So this this type of policy is paid through your personal cash flow, so it's not able to be funded through super.","start":1317.28,"end":1323.06,"sentiment":"neutral","sentiment_score":-0.15473816577683797},{"text":"And what it provides is a lump sum payment if you are diagnosed with a claimable event.","start":1323.52,"end":1332.195,"sentiment":"neutral","sentiment_score":-0.02768865950843867}],"sentiment":"neutral","sentiment_score":-0.06788800014182925,"num_words":80,"start":1298.43,"end":1332.195},{"sentences":[{"text":"They range from different types of cancers, stroke, heart attack, neurological diseases, and it's kind of a stop gap between income protection and TPD and life as typically when you do claim on trauma, it's generally, in most cases, a non terminal situation.","start":1332.735,"end":1358.46,"sentiment":"neutral","sentiment_score":-0.10578134205452232},{"text":"So it it's something that you're likely to recover from typically and statistically, and you might just need some funds to help for out of pocket medical expenses.","start":1359.465,"end":1372.605,"sentiment":"neutral","sentiment_score":0.180013107268938},{"text":"Or a good example is something that happens regularly if you suffer a heart attack that meets the criteria.","start":1373.065,"end":1384.34,"sentiment":"neutral","sentiment_score":0.014875020733789393},{"text":"You know, you might be Yep.","start":1386.535,"end":1388.955,"sentiment":"neutral","sentiment_score":0.00905116026600202},{"text":"Absolutely fine.","start":1390.615,"end":1391.675,"sentiment":"positive","sentiment_score":0.4693155288696289}],"sentiment":"neutral","sentiment_score":0.018034007229215027,"num_words":98,"start":1332.735,"end":1391.675},{"sentences":[{"text":"Absolutely fine.","start":1391.815,"end":1392.695,"sentiment":"positive","sentiment_score":0.42663928866386414},{"text":"No worries at all.","start":1392.695,"end":1393.835,"sentiment":"neutral","sentiment_score":0.22938842698931694},{"text":"The next document in the pack is your performance with hub twenty four.","start":1394.535,"end":1399.275,"sentiment":"neutral","sentiment_score":0.05525300938349504},{"text":"So what this report shows us is I'm missing a oh.","start":1399.63,"end":1405.65,"sentiment":"neutral","sentiment_score":-0.13883267817172137},{"text":"It's just gone absolutely blank on me.","start":1408.51,"end":1410.51,"sentiment":"negative","sentiment_score":-0.44274279475212097}],"sentiment":"neutral","sentiment_score":-0.05776317880765812,"num_words":37,"start":1391.815,"end":1410.51},{"sentences":[{"text":"So the first the first investment at the top there you'll see is the Van Al Long Australian Equities Fund.","start":1410.51,"end":1416.345,"sentiment":"neutral","sentiment_score":0.028322392702102663},{"text":"That fund has underperformed in the last twelve months as you'll see based on the report.","start":1416.8049,"end":1423.065,"sentiment":"neutral","sentiment_score":-0.03359690110664815},{"text":"Yep.","start":1424.725,"end":1425.225,"sentiment":"neutral","sentiment_score":0.01891503110527992},{"text":"So what what has happened is essentially, it's the Australian share market itself hasn't performed badly in an overall sense in that twelve month period, but the investment mandate of Benelong and the the philosophy that they follow is to identify companies in the Australian share market that they believe are undervalued for growth opportunities.","start":1425.445,"end":1458.38,"sentiment":"neutral","sentiment_score":-0.11044130887497555},{"text":"Now during the twelve months, it was the financial sector and the resource sector that really did the performance with Bennelong's mandate not not being fruitful.","start":1459.08,"end":1474.395,"sentiment":"neutral","sentiment_score":-0.12708966806530952}],"sentiment":"neutral","sentiment_score":-0.07907449907102322,"num_words":118,"start":1410.51,"end":1474.395},{"sentences":[{"text":"Now we're not we're not reactive to underperformance where the market reacts to many different events and situations.","start":1475.095,"end":1486.0,"sentiment":"neutral","sentiment_score":-0.0708012595358822},{"text":"But when something becomes systemic or ongoing, that's when we do take action.","start":1486.86,"end":1492.94,"sentiment":"neutral","sentiment_score":-0.05340385365371521},{"text":"So in that respect, as a company, we have made the decision to review the Bennelong Equities Australian Equities Fund for alternative for our clients, and that's something that I would like to look at for yourself.","start":1492.94,"end":1509.0651,"sentiment":"neutral","sentiment_score":0.08378445487972852},{"text":"So if you're happy with that, that's something I'm gonna I'm gonna investigate a little bit.","start":1512.2999,"end":1517.6,"sentiment":"positive","sentiment_score":0.36448153480887413},{"text":"Exactly.","start":1525.02,"end":1525.52,"sentiment":"neutral","sentiment_score":0.021872853860259056}],"sentiment":"neutral","sentiment_score":0.08217564084950615,"num_words":85,"start":1475.095,"end":1525.52},{"sentences":[{"text":"Exactly.","start":1525.9,"end":1526.4,"sentiment":"neutral","sentiment_score":0.02748008631169796},{"text":"Yep.","start":1527.375,"end":1527.875,"sentiment":"neutral","sentiment_score":0.027127698063850403},{"text":"So being a and you are a gross in what we term as a growth investor, you know, we would typically see one in every five years being a oh, sorry.","start":1527.935,"end":1542.61,"sentiment":"neutral","sentiment_score":-0.18773216754198074},{"text":"One in every six years being a negative return, and we would expect that.","start":1542.61,"end":1550.47,"sentiment":"neutral","sentiment_score":-0.24336232830371177},{"text":"But and this hasn't been negative.","start":1550.61,"end":1552.63,"sentiment":"neutral","sentiment_score":-0.13563350836435953}],"sentiment":"neutral","sentiment_score":-0.1884143972804524,"num_words":53,"start":1525.9,"end":1552.63},{"sentences":[{"text":"It just the the total return has been influenced by the Bennelong investment.","start":1552.77,"end":1561.545,"sentiment":"neutral","sentiment_score":-0.09036199404643132},{"text":"So that's one of the reasons why not only one of the reasons, but there's a systemic ongoing option there that we need to review.","start":1563.925,"end":1574.95,"sentiment":"neutral","sentiment_score":-0.00727072037756443},{"text":"The other there's one other I wanna review in the portfolio, and it's not due to underperformance or anything like that.","start":1577.97,"end":1584.07,"sentiment":"neutral","sentiment_score":-0.011110157484099978},{"text":"It's the second one down, the beta bank hybrid ETF.","start":1584.315,"end":1587.455,"sentiment":"neutral","sentiment_score":0.02122071646153927},{"text":"The Australian bank system is phasing out the bank hybrids as an option from January 2027.","start":1589.6749,"end":1596.735,"sentiment":"neutral","sentiment_score":0.012210603337734938}],"sentiment":"neutral","sentiment_score":-0.013908357896349009,"num_words":85,"start":1552.77,"end":1596.735},{"sentences":[{"text":"What I want to do is take a little bit more of a proactive approach because I don't know nobody knows what they're gonna be replaced with, and I would like to be proactive in taking the opportunity now to review the holdings there to see if there's something more appropriate that we can replace it within the defensive sector, so being fixed interest type of investment just just because, you know, it's I mean, the growth is negative, which we would we don't expect a lot of growth from your defensive type assets.","start":1597.75,"end":1636.2001,"sentiment":"neutral","sentiment_score":0.002569478916678023},{"text":"But income wise, it's done its job sitting around the kind of return that you'd expect for a fixed interest type asset.","start":1636.26,"end":1644.445,"sentiment":"neutral","sentiment_score":0.049331565302881325},{"text":"But, yeah, rather than waiting and seeing what happens, I'd like to be a little bit more proactive with that.","start":1645.465,"end":1651.4049,"sentiment":"neutral","sentiment_score":0.11442790683358908},{"text":"Mhmm.","start":1662.47,"end":1662.97,"sentiment":"neutral","sentiment_score":-0.00564336683601141},{"text":"Mhmm.","start":1667.895,"end":1668.395,"sentiment":"neutral","sentiment_score":0.02649293839931488}],"sentiment":"neutral","sentiment_score":0.026349515674392813,"num_words":138,"start":1597.75,"end":1668.395},{"sentences":[{"text":"That's a great question.","start":1683.63,"end":1685.05,"sentiment":"positive","sentiment_score":0.3638175465166569},{"text":"Okay.","start":1685.07,"end":1685.55,"sentiment":"neutral","sentiment_score":0.11493948101997375},{"text":"So the income, if you think of it, two different elements.","start":1685.55,"end":1690.05,"sentiment":"neutral","sentiment_score":0.04299064116044478},{"text":"So the bank hybrid shares or ETF, sorry, that I mentioned above.","start":1690.35,"end":1696.59,"sentiment":"neutral","sentiment_score":0.04079600190743804},{"text":"If you think of that as kind of like a term deposit that only pays an interest component, it doesn't grow, but it pays an income.","start":1696.59,"end":1707.415,"sentiment":"neutral","sentiment_score":0.016048751413249053}],"sentiment":"neutral","sentiment_score":0.05462826443491159,"num_words":54,"start":1683.63,"end":1707.415},{"sentences":[{"text":"That's what if you think of it like that, that's what that income is there.","start":1707.7151,"end":1711.635,"sentiment":"neutral","sentiment_score":0.03981657102704048},{"text":"It's generally based on a a fixed rate.","start":1711.635,"end":1715.0299,"sentiment":"neutral","sentiment_score":0.018943370319902897},{"text":"And you wouldn't typically see much gross with those types of holdings.","start":1715.6499,"end":1719.83,"sentiment":"neutral","sentiment_score":-0.018918990894841652},{"text":"But the the one below that, the beta global cyber ETF, that's more of a gross option, and that's typically you'd see that holding would have some share exposure.","start":1720.5299,"end":1732.805,"sentiment":"neutral","sentiment_score":0.029716888828010393},{"text":"So the income for something with a share exposure would be typically a dividend.","start":1732.9451,"end":1739.045,"sentiment":"neutral","sentiment_score":0.02289597410708666}],"sentiment":"neutral","sentiment_score":0.02184744936843904,"num_words":78,"start":1707.7151,"end":1739.045},{"sentences":[{"text":"So there's an in so with a gross asset, there's typically two the same with defensive, but defensive is more income producing than anything.","start":1742.34,"end":1752.04,"sentiment":"neutral","sentiment_score":0.06387620915969212},{"text":"With with growth, it has a gross option and then an income producing option.","start":1752.42,"end":1759.0651,"sentiment":"neutral","sentiment_score":0.06938139562095914},{"text":"So the the income is the income distributed by the the fund manager, so beta shares, being all the dividends that were earned in the fund, etcetera, that have been directed to your holdings, so your your unit holdings.","start":1759.125,"end":1784.33,"sentiment":"neutral","sentiment_score":0.0754114058919442},{"text":"The growth is the market movement.","start":1786.305,"end":1790.645,"sentiment":"neutral","sentiment_score":0.1614790273209413},{"text":"So that, for example, is the value of it.","start":1791.505,"end":1797.505,"sentiment":"neutral","sentiment_score":0.12690475748644936}],"sentiment":"neutral","sentiment_score":0.08213511271321255,"num_words":92,"start":1742.34,"end":1797.505},{"sentences":[{"text":"So if I bought a one CBA share buy at $100 ten years ago, and today it's valued at $300, my growth is $200.","start":1797.505,"end":1813.065,"sentiment":"neutral","sentiment_score":0.12688590120524168},{"text":"Mhmm.","start":1819.3849,"end":1819.8849,"sentiment":"neutral","sentiment_score":0.024272456765174866},{"text":"Let's have a look.","start":1842.53,"end":1843.67,"sentiment":"neutral","sentiment_score":-0.012263741344213486},{"text":"Oh, sorry.","start":1846.5349,"end":1847.735,"sentiment":"neutral","sentiment_score":-0.07607080414891243},{"text":"Pressed the wrong button.","start":1847.735,"end":1848.615,"sentiment":"neutral","sentiment_score":-0.09559386409819126}],"sentiment":"neutral","sentiment_score":0.07102748730352947,"num_words":35,"start":1797.505,"end":1848.615},{"sentences":[{"text":"Give me one second.","start":1848.615,"end":1849.6749,"sentiment":"neutral","sentiment_score":-0.050721448846161366},{"text":"Okay.","start":1862.26,"end":1862.58,"sentiment":"neutral","sentiment_score":-0.012262576259672642},{"text":"So the difference between the market value end period, which is the fourth column in, and the market value start period being the first column.","start":1862.58,"end":1874.895,"sentiment":"neutral","sentiment_score":-0.021230277195572852},{"text":"The difference is $27,500 roughly.","start":1875.115,"end":1878.655,"sentiment":"neutral","sentiment_score":0.021323134005069733},{"text":"So the total earnings is 18.","start":1880.635,"end":1884.895,"sentiment":"neutral","sentiment_score":0.04169038962572813}],"sentiment":"neutral","sentiment_score":-0.009491397408632243,"num_words":41,"start":1848.615,"end":1884.895},{"sentences":[{"text":"So those that growth is net of your fees and contributions.","start":1887.05,"end":1893.0701,"sentiment":"neutral","sentiment_score":0.04807734150778164},{"text":"So the difference would be your contributions because you'll see the buyers in period.","start":1893.53,"end":1900.8301,"sentiment":"neutral","sentiment_score":0.05425069374697549},{"text":"So see the the second column being the buyers?","start":1901.0449,"end":1905.7849,"sentiment":"neutral","sentiment_score":0.032008193226324186},{"text":"That's essentially what your contributions have purchased, noting that some would also stay in cash to fund insurance premiums, fee, etcetera.","start":1906.1649,"end":1918.02,"sentiment":"neutral","sentiment_score":0.04588388004118488},{"text":"Yeah.","start":1919.28,"end":1919.78,"sentiment":"neutral","sentiment_score":0.05492187663912773}],"sentiment":"neutral","sentiment_score":0.04633781367114612,"num_words":56,"start":1887.05,"end":1919.78},{"sentences":[{"text":"Does that make sense?","start":1920.24,"end":1921.36,"sentiment":"neutral","sentiment_score":0.06909759901463985},{"text":"Yes.","start":1921.36,"end":1921.86,"sentiment":"neutral","sentiment_score":0.06982822716236115},{"text":"Yeah.","start":1923.4401,"end":1923.8401,"sentiment":"neutral","sentiment_score":0.0935296192765236},{"text":"Okay.","start":1923.8401,"end":1924.3401,"sentiment":"neutral","sentiment_score":0.12200628221035004},{"text":"The next document over is the 2026 Vanguard index chart.","start":1925.2001,"end":1930.8,"sentiment":"neutral","sentiment_score":0.193102565407753}],"sentiment":"neutral","sentiment_score":0.14663412816384258,"num_words":17,"start":1920.24,"end":1930.8},{"sentences":[{"text":"Now this is a great educational tool, and it works really well with your questions just before on the difference of income and growth.","start":1930.8,"end":1940.725,"sentiment":"positive","sentiment_score":0.4895169207205375},{"text":"So I can this this tool really helps to visualize it.","start":1941.265,"end":1947.205,"sentiment":"positive","sentiment_score":0.36075462942773645},{"text":"So down the right hand side of the column, you'll see US shares, estranged shares, international, and property.","start":1947.5599,"end":1954.86,"sentiment":"neutral","sentiment_score":0.13615015149116516},{"text":"They're your gross assets.","start":1955.48,"end":1957.9,"sentiment":"neutral","sentiment_score":0.08861152268946171},{"text":"So as a growth in Vista, we would see approximately 80% of your superannuation balance invested across those four types of investments.","start":1958.84,"end":1969.1951,"sentiment":"neutral","sentiment_score":0.13024858486923305}],"sentiment":"neutral","sentiment_score":0.2707256291863285,"num_words":79,"start":1930.8,"end":1969.1951},{"sentences":[{"text":"And as you will see, the on the those colors that match up with those assets, the volatility they experience.","start":1969.975,"end":1978.76,"sentiment":"neutral","sentiment_score":0.045374874118715526},{"text":"Yeah.","start":1979.86,"end":1980.36,"sentiment":"neutral","sentiment_score":0.05378523468971253},{"text":"Yep.","start":1981.0599,"end":1981.46,"sentiment":"neutral","sentiment_score":0.08920128643512726},{"text":"So they're the one they're your gross producing assets.","start":1981.46,"end":1984.5,"sentiment":"neutral","sentiment_score":0.13312381174829271},{"text":"So if you wanna line it up, you can line it up with across the top of the page, there's some black ride smaller black riding, and they're world events, etcetera.","start":1984.5,"end":1995.355,"sentiment":"neutral","sentiment_score":0.1120352158623357}],"sentiment":"neutral","sentiment_score":0.09228532259622889,"num_words":62,"start":1969.975,"end":1995.355},{"sentences":[{"text":"So you see the per the most common one is the GFC, which is back in o seven, o eight.","start":1996.535,"end":2001.995,"sentiment":"neutral","sentiment_score":0.021219192491844296},{"text":"Or if even if you look at COVID nineteen where the market absolutely tanked yep.","start":2002.615,"end":2007.87,"sentiment":"neutral","sentiment_score":-0.012066685097912947},{"text":"So being a growth investor means that you are comfortable and understand the volatility associated with those that those types of investments.","start":2008.43,"end":2021.65,"sentiment":"neutral","sentiment_score":0.14302712407979098},{"text":"So that's when it said it had growth the gross in period, that's what this refers to, the ups and downs, the fluctuations.","start":2021.87,"end":2030.055,"sentiment":"neutral","sentiment_score":0.07468542456626892},{"text":"The next two down being Australian bonds and cash, they're your defensive assets.","start":2031.0751,"end":2036.67,"sentiment":"neutral","sentiment_score":0.07527483569887969}],"sentiment":"neutral","sentiment_score":0.06544427884121735,"num_words":93,"start":1996.535,"end":2036.67},{"sentences":[{"text":"So that's like the beta shares I mentioned, the the one that I wanna look at reviewing.","start":2036.67,"end":2042.21,"sentiment":"neutral","sentiment_score":0.09757628335672267},{"text":"You don't over the long term, yeah, you see a little bit of growth, but they basically produce income.","start":2042.67,"end":2049.39,"sentiment":"neutral","sentiment_score":0.12484547535055562},{"text":"So they're the defensive part of your portfolio to try and offset some of that when we're in a down period.","start":2049.39,"end":2056.155,"sentiment":"neutral","sentiment_score":0.10258506327157929},{"text":"Yeah.","start":2056.855,"end":2057.355,"sentiment":"neutral","sentiment_score":0.14129775762557983},{"text":"You know, it's still producing some income because the markets, how they behave is generally when one sector is in a period of growth, another is performing strongly.","start":2057.495,"end":2073.14,"sentiment":"neutral","sentiment_score":0.15418254557464803}],"sentiment":"neutral","sentiment_score":0.12376228152492712,"num_words":86,"start":2036.67,"end":2073.14},{"sentences":[{"text":"So an example could be interest rates at the moment.","start":2074.56,"end":2083.675,"sentiment":"neutral","sentiment_score":0.0339980598539114},{"text":"Defensive assets could probably start producing a little bit more income due to the fact that, you know, we've got rising interest rates.","start":2084.2148,"end":2092.32,"sentiment":"neutral","sentiment_score":0.06720763031879197},{"text":"But on the flip side, the property sector may feel the pinch of that because interest rates are then rising.","start":2094.6199,"end":2103.76,"sentiment":"neutral","sentiment_score":-0.05905561838299036},{"text":"So they're they're correlated in many different ways and they behave in opposite ways to depending on what's happening in the world.","start":2104.815,"end":2115.875,"sentiment":"neutral","sentiment_score":-0.02789241655475714},{"text":"So that's why diversification is really important in the portfolio.","start":2116.095,"end":2119.74,"sentiment":"neutral","sentiment_score":0.18374478742480277}],"sentiment":"neutral","sentiment_score":0.022687746332410504,"num_words":85,"start":2074.56,"end":2119.74},{"sentences":[{"text":"So with the growth type investor, what I just wanted to run through with you is to make sure it is something that you're comfortable with and you understand is that split of being eighty twenty.","start":2120.04,"end":2134.295,"sentiment":"neutral","sentiment_score":0.1964205503463745},{"text":"What we typically expect is a minimum suggested investment time frame of six years.","start":2136.915,"end":2142.935,"sentiment":"neutral","sentiment_score":0.07844432656254087},{"text":"So and that's to withstand those volatile periods.","start":2143.635,"end":2148.7,"sentiment":"neutral","sentiment_score":0.09787882398813963},{"text":"So if we think yeah.","start":2149.72,"end":2151.5,"sentiment":"neutral","sentiment_score":0.08015905767679214},{"text":"Yeah.","start":2155.72,"end":2156.22,"sentiment":"neutral","sentiment_score":-0.0022781454026699066}],"sentiment":"neutral","sentiment_score":0.1461079393629916,"num_words":64,"start":2120.04,"end":2156.22},{"sentences":[{"text":"Yeah.","start":2160.2,"end":2160.7,"sentiment":"neutral","sentiment_score":0.0037003266625106335},{"text":"Yep.","start":2161.785,"end":2162.265,"sentiment":"neutral","sentiment_score":0.02222023904323578},{"text":"Yep.","start":2162.265,"end":2162.7449,"sentiment":"neutral","sentiment_score":0.02363099716603756},{"text":"So it's a it's not necessarily six years with Oakview.","start":2162.7449,"end":2166.045,"sentiment":"neutral","sentiment_score":-0.008122612070292235},{"text":"It's six years in that type of investment model.","start":2166.345,"end":2170.925,"sentiment":"neutral","sentiment_score":0.006579482995827372}],"sentiment":"neutral","sentiment_score":0.0012518540514230897,"num_words":22,"start":2160.2,"end":2170.925},{"sentences":[{"text":"Okay.","start":2177.18,"end":2177.58,"sentiment":"neutral","sentiment_score":0.02159544453024864},{"text":"Yep.","start":2177.58,"end":2178.08,"sentiment":"neutral","sentiment_score":0.023919343948364254},{"text":"Yeah.","start":2197.115,"end":2197.615,"sentiment":"neutral","sentiment_score":0.007083205506205559},{"text":"Mhmm.","start":2201.93,"end":2202.43,"sentiment":"neutral","sentiment_score":-0.030220985412597656},{"text":"Fantastic.","start":2216.585,"end":2217.085,"sentiment":"positive","sentiment_score":0.5823118686676025}],"sentiment":"neutral","sentiment_score":0.12093777544796466,"num_words":5,"start":2177.18,"end":2217.085},{"sentences":[{"text":"Yeah.","start":2217.4648,"end":2217.785,"sentiment":"neutral","sentiment_score":0.2306818664073944},{"text":"And to to reiterate on that is you're twelve years away from being able to legally access your superannuation at this stage.","start":2217.785,"end":2224.02,"sentiment":"neutral","sentiment_score":0.05976610088890249},{"text":"So you do have time on your side to withstand that market ups and downs.","start":2224.18,"end":2230.92,"sentiment":"neutral","sentiment_score":-0.015486426403125126},{"text":"Yep.","start":2232.82,"end":2233.32,"sentiment":"neutral","sentiment_score":0.0736594945192337},{"text":"Okay.","start":2233.46,"end":2233.96,"sentiment":"neutral","sentiment_score":0.09431648254394533}],"sentiment":"neutral","sentiment_score":0.03703039167448878,"num_words":40,"start":2217.4648,"end":2233.96},{"sentences":[{"text":"Alright.","start":2234.02,"end":2234.52,"sentiment":"neutral","sentiment_score":0.21679136157035828},{"text":"That's lovely to confirm that.","start":2234.58,"end":2236.42,"sentiment":"positive","sentiment_score":0.5371102035045624},{"text":"The next document is your certificate of currency for your insurances.","start":2236.42,"end":2240.2249,"sentiment":"neutral","sentiment_score":0.06922081824053418},{"text":"So we we spoke briefly about those before.","start":2241.2449,"end":2244.4648,"sentiment":"neutral","sentiment_score":0.027082360116764903},{"text":"These doc next two documents is a certificate of currency.","start":2244.525,"end":2248.145,"sentiment":"neutral","sentiment_score":0.03923773597925902}],"sentiment":"neutral","sentiment_score":0.12208021772759302,"num_words":35,"start":2234.02,"end":2248.145},{"sentences":[{"text":"It simply shows that your cover is in place, that it is paid from your superannuation fund, and the levels of cover as we talked about earlier.","start":2248.365,"end":2261.72,"sentiment":"neutral","sentiment_score":0.0658042172866839},{"text":"Yep.","start":2263.6199,"end":2264.1199,"sentiment":"neutral","sentiment_score":0.074159175157547},{"text":"The second last document is our financial services guide, and that is a document that you would have seen in the past, but it is an updated version.","start":2266.285,"end":2275.265,"sentiment":"neutral","sentiment_score":0.04784070746973157},{"text":"It tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the different types of advice we can provide and how we provide it, including a outline of our fee guide, and importantly, the complaints process.","start":2276.045,"end":2295.155,"sentiment":"neutral","sentiment_score":0.09021101468666033},{"text":"So shall you be dissatisfied or have a complaint, the process that you can follow to remediate that.","start":2295.155,"end":2303.575,"sentiment":"neutral","sentiment_score":-0.17683618350161445}],"sentiment":"neutral","sentiment_score":0.03370039147656348,"num_words":118,"start":2248.365,"end":2303.575},{"sentences":[{"text":"Lovely.","start":2306.47,"end":2306.95,"sentiment":"positive","sentiment_score":0.5619113445281982},{"text":"And the last document is your ongoing fee arrangement.","start":2306.95,"end":2310.55,"sentiment":"neutral","sentiment_score":0.17187440229786766},{"text":"So it's basically your renewal in advice fee.","start":2310.55,"end":2314.07,"sentiment":"neutral","sentiment_score":0.13980222772806883},{"text":"So every single year, you receive a document like this that says what the fee will be for the next twelve months.","start":2314.07,"end":2322.7449,"sentiment":"neutral","sentiment_score":0.13147855109789156},{"text":"What's what we've changed since probably the last twelve months since your last one is that it's no longer variable, so set at a percent based fee amount.","start":2323.205,"end":2335.16,"sentiment":"neutral","sentiment_score":0.056761806564671655}],"sentiment":"neutral","sentiment_score":0.11336849257349968,"num_words":68,"start":2306.47,"end":2335.16},{"sentences":[{"text":"It's calculated still on the same amount, the 1.65%, but it is then fixed for twelve months.","start":2335.16,"end":2342.3599,"sentiment":"neutral","sentiment_score":0.09661182147615097},{"text":"So what that means is consistency for clients, key transparency, and the confirmation that it's not gonna fluctuate.","start":2342.3599,"end":2349.965,"sentiment":"neutral","sentiment_score":0.19541827879018253},{"text":"So, for example, in a good market, there's, you know, the product market's performing well.","start":2350.185,"end":2356.685,"sentiment":"neutral","sentiment_score":0.21332968721787135},{"text":"You're up 10%.","start":2356.7449,"end":2358.265,"sentiment":"neutral","sentiment_score":0.1949513057867686},{"text":"That does not necessarily mean our fee should rise 10%.","start":2358.265,"end":2361.71,"sentiment":"neutral","sentiment_score":0.016029126197099685}],"sentiment":"neutral","sentiment_score":0.14452413445900356,"num_words":63,"start":2335.16,"end":2361.71},{"sentences":[{"text":"So it's fixed for the twelve months.","start":2362.09,"end":2363.93,"sentiment":"neutral","sentiment_score":0.08610944556338447},{"text":"So what it is is the annual fee is $5,629 and 86 divided by 12 deducted monthly from your hub twenty four account, which is equates being $469.15 a month.","start":2363.93,"end":2377.815,"sentiment":"neutral","sentiment_score":0.09077281653881072},{"text":"And as always, same same process and options for advice available that cover that fee is your annual review.","start":2379.9548,"end":2391.0498,"sentiment":"neutral","sentiment_score":0.3170270998226969},{"text":"Should you have anything in the meantime or before you end your review, change of circumstances, the need to seek additional advice, we're available, and you you can just make contact with us and we'll meet with you for whatever it is that you need.","start":2391.5898,"end":2408.585,"sentiment":"neutral","sentiment_score":0.15872209229403073},{"text":"So that's what that covers.","start":2410.645,"end":2412.185,"sentiment":"neutral","sentiment_score":-0.01841584537178278}],"sentiment":"neutral","sentiment_score":0.15471585318973324,"num_words":106,"start":2362.09,"end":2412.185},{"sentences":[{"text":"Yeah.","start":2422.02,"end":2422.52,"sentiment":"neutral","sentiment_score":0.07765761762857437},{"text":"Yep.","start":2422.6602,"end":2423.1602,"sentiment":"neutral","sentiment_score":0.17008039355278015},{"text":"Yes.","start":2424.26,"end":2424.76,"sentiment":"neutral","sentiment_score":0.1457028090953827},{"text":"Mhmm.","start":2429.115,"end":2429.615,"sentiment":"neutral","sentiment_score":-0.04271157085895538},{"text":"Okay.","start":2442.49,"end":2442.73,"sentiment":"neutral","sentiment_score":0.10740000009536745}],"sentiment":"neutral","sentiment_score":0.09162584990262986,"num_words":5,"start":2422.02,"end":2442.73},{"sentences":[{"text":"So what what the next steps from here will be is I'm going to go away and do a little bit of research as to appropriate alternatives.","start":2442.73,"end":2452.11,"sentiment":"neutral","sentiment_score":0.17669519299158343},{"text":"So to take into account what it is that you're wanting to achieve and make sure that any alternatives will still are still in your best interest.","start":2452.8901,"end":2462.855,"sentiment":"neutral","sentiment_score":0.2904949480736697},{"text":"I am going to then, which I'll do now if you have time.","start":2463.4749,"end":2468.115,"sentiment":"neutral","sentiment_score":0.14216613826843408},{"text":"I'm gonna book you in for some time in the next I'm just looking at weeks because it takes us about two weeks to get it all together.","start":2468.115,"end":2478.12,"sentiment":"neutral","sentiment_score":0.12949799001216888},{"text":"And we're gonna have another and I'm gonna present those recommendations to you for you to sign off on before anything has changed.","start":2479.06,"end":2488.245,"sentiment":"neutral","sentiment_score":0.265682822012383}],"sentiment":"neutral","sentiment_score":0.20507578163455098,"num_words":118,"start":2442.73,"end":2488.245},{"sentences":[{"text":"So is it this time of day that works best for you being 03:00?","start":2489.1052,"end":2495.925,"sentiment":"neutral","sentiment_score":0.12346546564783369},{"text":"Yep.","start":2498.54,"end":2499.04,"sentiment":"neutral","sentiment_score":0.2820586562156677},{"text":"Yeah.","start":2513.575,"end":2513.815,"sentiment":"neutral","sentiment_score":0.2025148570537567},{"text":"That's absolutely fine.","start":2513.815,"end":2515.195,"sentiment":"positive","sentiment_score":0.3997422258059184},{"text":"Give me a second to navigate through my calendar because Daylight Saving starts as well shortly.","start":2515.415,"end":2525.0151,"sentiment":"neutral","sentiment_score":0.2452026829123497}],"sentiment":"neutral","sentiment_score":0.2095874181815556,"num_words":35,"start":2489.1052,"end":2525.0151},{"sentences":[{"text":"So I just wanna make sure my I pick I yeah.","start":2525.0151,"end":2531.5498,"sentiment":"neutral","sentiment_score":0.13011839173056863},{"text":"I just gotta make sure that I pick the right time slot.","start":2531.5498,"end":2534.0498,"sentiment":"neutral","sentiment_score":0.1507644367714723},{"text":"Okay.","start":2534.8298,"end":2535.3098,"sentiment":"neutral","sentiment_score":0.07714741677045822},{"text":"So let's have a look.","start":2535.3098,"end":2536.43,"sentiment":"neutral","sentiment_score":0.07271114438772201},{"text":"If it we're looking at the week beginning the October 19 at this stage, and you said about four thirty?","start":2536.43,"end":2546.065,"sentiment":"neutral","sentiment_score":0.07736990619450808}],"sentiment":"neutral","sentiment_score":0.10670564924271739,"num_words":49,"start":2525.0151,"end":2546.065},{"sentences":[{"text":"I can do Thursday afternoon, the twenty second at 04:30 Queensland time.","start":2546.285,"end":2553.585,"sentiment":"neutral","sentiment_score":0.064298284240067},{"text":"I was gonna say, would you like me to send you through a calendar invite?","start":2557.7249,"end":2561.01,"sentiment":"neutral","sentiment_score":0.02088798632224401},{"text":"No?","start":2562.5898,"end":2563.0898,"sentiment":"neutral","sentiment_score":-0.03136438876390457},{"text":"Alright.","start":2566.43,"end":2566.91,"sentiment":"neutral","sentiment_score":0.08670573681592941},{"text":"So I've got that the October 22 at 04:30 Queensland time.","start":2566.91,"end":2573.655,"sentiment":"neutral","sentiment_score":0.0948947701941837}],"sentiment":"neutral","sentiment_score":0.05460207564756274,"num_words":40,"start":2546.285,"end":2573.655},{"sentences":[{"text":"Lovely.","start":2575.4749,"end":2575.9749,"sentiment":"positive","sentiment_score":0.7580967545509338},{"text":"Beautiful.","start":2576.595,"end":2577.095,"sentiment":"positive","sentiment_score":0.7964872121810913},{"text":"Alright.","start":2578.035,"end":2578.535,"sentiment":"positive","sentiment_score":0.5593492388725281},{"text":"Any any other questions before I before we jump off?","start":2578.755,"end":2585.25,"sentiment":"neutral","sentiment_score":0.08078720476478338},{"text":"Fantastic.","start":2588.19,"end":2588.69,"sentiment":"positive","sentiment_score":0.7902585864067078}],"sentiment":"neutral","sentiment_score":0.26514741711850676,"num_words":14,"start":2575.4749,"end":2588.69},{"sentences":[{"text":"Alright.","start":2588.91,"end":2589.41,"sentiment":"positive","sentiment_score":0.6096775531768799},{"text":"I will I look forward to speaking to you on the twenty second, and enjoy the rest of your afternoon.","start":2589.63,"end":2594.6099,"sentiment":"positive","sentiment_score":0.726114809513092},{"text":"Thank you.","start":2596.99,"end":2597.5498,"sentiment":"positive","sentiment_score":0.7546353042125702},{"text":"You too.","start":2597.5498,"end":2598.2898,"sentiment":"positive","sentiment_score":0.44054220616817474},{"text":"Bye.","start":2598.707,"end":2599.207,"sentiment":"neutral","sentiment_score":0.18763291835784912}],"sentiment":"positive","sentiment_score":0.6811523724060792,"num_words":26,"start":2588.91,"end":2599.207}]}}]},{"alternatives":[{"transcript":"Hello. Brent speaking. Well, thanks, Jenna. How are you? Sure. Brad. Markwell Jennings. 06/21/1978. 46 Highfield Street, Durack 4077. Yep. Sure do. Yeah. No. Not really. My wife and I, like, our income remains the same. We're both teachers, so we've only just had a a slight pay increase with the the arbitration process that's going on with Education Queensland at the moment. So that pay rises only just kinda comes through in our last pay slip. But other than that, no no real change. You know, our employment's both sort of fairly consistent. And our main goal at this point, because we're we sort of feel that we're within five years of paying off the house, so our goal is firmly fixed on that at the moment. Yeah. I know. Well, we've basically, we've been putting away since we refinanced and bought this house, which was eight years ago. You know, it's doubled in value, and and we've just been putting, like, extra repayments on the whole time. So, yeah, that's that's just sort of our priority is just kinda get it paid off, and then we know that that we've got some time ahead of us then for renovations and other things if we want to. Yeah. It's down to 200 and 60. Not real no. Not really. I think I I I don't remember when because like, my my we own both our vehicles now. I think my Audi, I can't remember when I had my last review if that was paid off, but that's paid off now. And and I bought a motorbike, but I think I might have mentioned that last time. So that that might have been a damn, there's another asset. Yeah. That's it. But other other than that, no no other real sort of changes in our financial situation, which is good. Maybe 40. It's it's probably a little bit more than that. I think it's it's probably closer to, like, one one thirty, I think. Yeah. That's possible. Yeah. Oh, I think so. Yeah. Or is that plus super? I don't think so. I'm not too sure. The when I look at my yeah. I think it must be plus super because when I look at my deductions, it's mainly tax plus a small extra salary sacrifice of super contribution that I make. Alright. Just hang on a sec. I'll put you on speaker and look at my payslip, though. Sorry. One second. So my gross gross income is $500.01 and 70¢. And then I've got that's a $4.09. And then I've got tax coming out of that, and then I've also got my I think I think I this code is n g s u p e m p dash post, and that's $2.50. My understanding is that's my a a small additional salary sacrifice contribution I signed up for. That's that's correct. And then the employer said that this pay is $637.71. I don't know, to tell you the truth. Education Queensland. Okay. Because I think I think when I look at my when I look at my Hub 24 account, I can see each fortnight that those two contributions. I can see Education Queensland, 600 and whatever, and I can see my contribution for 200 and whatever whatever. And both of those payments go in every fortnight into the hub sup hub twenty four again. Okay. Right. Cool. Yeah. Yeah. That is correct. Yep. Yeah. That that when you asked me before, our cash savings was, and I said about 40, that's inclusive of those of, like, our holidays and our kids accounts because they're all offset accounts. Yeah. So that that that $40 is inclusive of all of that. Yeah. It's not because it's just money it's just money that we're putting away for ourselves to go if we have to do something for this kid or whatever. We've got money there for them or where where it might be a car in the future or whatever the case might be. But in the short term, it's all just sort of offsetting the loan. So Correct. Yep. Oh, I do. Yeah. 00418 7330 679. Six. Yeah. Yeah. 16 and 13. Yeah. Olive and maple. Correct. Yeah. Yeah. Sure. Mhmm. The Queensland Academy of Creative Industries. I have been in arts sort of arts and education for, you know, sort of twenty six years professionally, but I've been a teacher on and off for maybe fifteen years at that time. Yeah. Although, I think it's twenty five hours a week according to my payslip. Yeah. I'm full time. Yeah. I really don't off the top of my head. I'd actually have to I'd have to work back because we are are are not terribly great with our overall budget. I think we we operate on a a certain amount of money kind of coming in, and we know where the bulk of our money goes out. But, you know, our our account tends to just fluctuate not not to great degrees, if you know what I mean. Yeah. But, yeah, I just couldn't tell you off the top of my head without really thinking about all of the bills we pay. It is. Yeah. It is. Yeah. Yep. Steven, two with a p h. Yes. I I think my my wife is also a teacher because she's on a she's been with Education Queensland since she started teaching, and she's on a defined benefit. So her goal is very much to remain in her current employment for as long as possible because that will be quite good for her when she gets retirement age. But we're we are honestly looking, like, more realistically, like, a retirement age around 60. I don't know if I can keep teaching until 65. We may continue to do something we may continue to do something else, but I think between the two of us, with our superannuation and if we can pay off our house and still be able to generate a reasonable than income between now, and that's twelve more years of work for us, that feels like it might be achievable. So yeah. Because the the main the biggest goal for us is obviously to pay off our loan because, you know, at the moment, we're paying something like we pay around about 55 or $57,000 a year on our loan repayment. So it's a huge amount of money, obviously, going out of the account every single year that could be spent on holidays or a new kitchen, for instance. Yeah. Exactly. Yeah. So, yeah, perhaps a bit earlier than '65. And I don't I know and and I I don't know about then what what we might do. But, yeah, I imagine I'll remain the intention is to remain busy doing something. I just don't know what. Yeah. Well, I I I don't know, but I did I did do a little bit of Googling last week ahead of this conversation. But, you know, maybe, like because I was sort of going if we had I think one of my initial goals was to maybe have, you know, a million dollars in superannuation. You know, if that was if that was an achievable goal, would that be sufficient to live off? You know, if the Internet thinks, yes, maybe $80,000 a year for couple without kids, without dependents, or something like that. Sure. Sure. Mhmm. Mhmm. Yeah. Okay. And start to invest some of that more money that in my super rather than on the home. Yeah. Sure. Yeah. Yeah. Mhmm. Sure. Yeah. Yeah. Yeah. Okay. Yeah. Okay. Same age. 48. No. More be more than mine. Yeah. Yeah. Sure. Okay. Yeah. Yep. Mhmm. Yep. I might just actually just grab my laptop if you don't mind. I'll just be one second just so I can look at it on the screen. Okay. One sec. Alright. Sorry. I'm back. Great. Yep. Just got that email now. Yep. Okay. I'm in the document now. Yep. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Great. Mhmm. Yeah. Correct. Yeah. Yeah. I'm happy with all of that. There's nothing to review there. Not too sure about that. Yep. Yep. Right. Sure. Yeah. Okay. I think I'll be yeah. I think we'll be right at this stage. Mhmm. Yep. Mhmm. Yeah. Mhmm. Right. Yeah. Sure. Okay. Mhmm. Yeah. Sure. I don't think the growth period overall, my super has performed as well over the last financial year as it did the year before. Yeah. Yep. Yeah. Right. Yeah. Sure. Okay. Mhmm. Mhmm. Okay. Yeah. Right. Can you just explain to me really quickly when I look at what's the difference between the income in period? So, like, if I just took that if I took the next one down, the beta the beta global cyber ETF units, if the incoming period is nine nine one, the growth what's the difference between the income in the period and the growth in the period and then the total I could say the total earnings is a combination of the two of those, but, yeah, what's the difference between income in period and growth in period? Mhmm. Yep. Sure. Yep. Yep. Yeah. Okay. Right. Mhmm. Right. Okay. Right. Mhmm. Okay. Yep. Mhmm. Sure. So when I look at the total earnings then, if I look right down the bottom, That total earnings from $3.16 to $3.44 is how much my my super has actually brought in value. That's how much it's made. Are those earnings are they exclusive of the contributions I make or inclusive of the contributions I make? Mhmm. Yep. Yep. Yeah. Yep. Yep. Yeah. I see. Gotcha. Gotcha. Yep. Yeah. Okay. Yeah. Yeah. Yeah. I think so. Yeah. Mhmm. Mhmm. Yep. Mhmm. Right. Mhmm. Yeah. Yeah. Yep. Yeah. I gotcha. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. I can see that. Yep. Yep. Yes. Yep. Yep. Yeah. Yeah. Sure. Yep. Put the risk here. Yeah. Right. Yeah. Okay. Yeah. Okay. Yep. Mhmm. Mhmm. Yeah. Because I think that's this is only about my third third maybe year. I think it I can't remember if it was 2022 or 2023 when I signed up with Oakview. In that yeah. Yeah. That's right. And I think I've already seen because I think I signed up right before the Ukraine war, and that was yeah. And my my ZIP code took a, like, a $20 hit within a month of of signing up, and I was like, uh-uh. I made a huge mistake here. But it, you know, it didn't. It it obviously, it it rebounded as it as it does. And, you know, I think all the advice that I've been given is, you know, if our income is steady at this point, we're worth it's worth, you know, risking a little bit more in that growth portfolio because ultimately, it's gonna benefit me in the long run to play it safe at this point. Probably not going to benefit me as much as it would to be on a growth portfolio, so I'm still comfortable. Yeah. Yeah. Sure. Yeah. Yep. Mhmm. Yep. Yep. Yep. That's all good. I'll just click through those. Yep. Yep. Yep. Yeah. Oh, goodness. Yep. Mhmm. Sure. Yeah. Yeah. Yeah. Yeah. Great. Yeah. Okay. That'd be great. Yeah. That's great. I I guess the only thing the only follow-up for me would be just to if you're able to I guess, will you let me know if you change those investments, those two options that you said that you were looking at the because I I realized the the Ben Long one's not that that's obviously a much bigger decision. That's that's gonna obviously impact more than just me. But, yeah, will you just let me know if that happens, or will I just see that through the the transaction of like, when I see Hub 24 transactions being made? Mhmm. Okay. Yep. Yep. Okay. Sure. A little bit later is is good for me, if possible, like, sort of 04:30 kind of guarantees me sort of being available. The only afternoon I'm not available from next week is Wednesday afternoon just so I have a rose alarm. Yeah. That's only a seat as well, isn't it? Yeah. That looks good. Yeah. Full thirty claims, and I'm not sure. I'm gonna put my calendar right now. No. That's all good. I'm I'm I'm on my computer. I'm putting it right in so I don't forget. Perfect. Great. Thanks, Jenna. No. No. I think I think that's it. That's all good. Perfect. Thanks very much for your time. Okay. 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Brent speaking. Well, thanks, Jenna. How are you? Sure.\n\nBrad. Markwell Jennings. 06/21/1978. 46 Highfield Street, Durack 4077. Yep.\n\nSure do. Yeah. No. Not really. My wife and I, like, our income remains the same.\n\nWe're both teachers, so we've only just had a a slight pay increase with the the arbitration process that's going on with Education Queensland at the moment. So that pay rises only just kinda comes through in our last pay slip. But other than that, no no real change. You know, our employment's both sort of fairly consistent. And our main goal at this point, because we're we sort of feel that we're within five years of paying off the house, so our goal is firmly fixed on that at the moment.\n\nYeah. I know. Well, we've basically, we've been putting away since we refinanced and bought this house, which was eight years ago. You know, it's doubled in value, and and we've just been putting, like, extra repayments on the whole time. So, yeah, that's that's just sort of our priority is just kinda get it paid off, and then we know that that we've got some time ahead of us then for renovations and other things if we want to.\n\nYeah. It's down to 200 and 60. Not real no. Not really. I think I I I don't remember when because like, my my we own both our vehicles now.\n\nI think my Audi, I can't remember when I had my last review if that was paid off, but that's paid off now. And and I bought a motorbike, but I think I might have mentioned that last time. So that that might have been a damn, there's another asset. Yeah. That's it.\n\nBut other other than that, no no other real sort of changes in our financial situation, which is good. Maybe 40. It's it's probably a little bit more than that. I think it's it's probably closer to, like, one one thirty, I think. Yeah.\n\nThat's possible. Yeah. Oh, I think so. Yeah. Or is that plus super?\n\nI don't think so. I'm not too sure. The when I look at my yeah. I think it must be plus super because when I look at my deductions, it's mainly tax plus a small extra salary sacrifice of super contribution that I make. Alright.\n\nJust hang on a sec. I'll put you on speaker and look at my payslip, though. Sorry. One second. So my gross gross income is $500.01 and 70¢.\n\nAnd then I've got that's a $4.09. And then I've got tax coming out of that, and then I've also got my I think I think I this code is n g s u p e m p dash post, and that's $2.50. My understanding is that's my a a small additional salary sacrifice contribution I signed up for. That's that's correct. And then the employer said that this pay is $637.71.\n\nI don't know, to tell you the truth. Education Queensland. Okay. Because I think I think when I look at my when I look at my Hub 24 account, I can see each fortnight that those two contributions. I can see Education Queensland, 600 and whatever, and I can see my contribution for 200 and whatever whatever.\n\nAnd both of those payments go in every fortnight into the hub sup hub twenty four again. Okay. Right. Cool. Yeah.\n\nYeah. That is correct. Yep. Yeah. That that when you asked me before, our cash savings was, and I said about 40, that's inclusive of those of, like, our holidays and our kids accounts because they're all offset accounts.\n\nYeah. So that that that $40 is inclusive of all of that. Yeah. It's not because it's just money it's just money that we're putting away for ourselves to go if we have to do something for this kid or whatever. We've got money there for them or where where it might be a car in the future or whatever the case might be.\n\nBut in the short term, it's all just sort of offsetting the loan. So Correct. Yep. Oh, I do. Yeah.\n\n00418 7330 679. Six. Yeah. Yeah. 16 and 13.\n\nYeah. Olive and maple. Correct. Yeah. Yeah.\n\nSure. Mhmm. The Queensland Academy of Creative Industries. I have been in arts sort of arts and education for, you know, sort of twenty six years professionally, but I've been a teacher on and off for maybe fifteen years at that time. Yeah.\n\nAlthough, I think it's twenty five hours a week according to my payslip. Yeah. I'm full time. Yeah. I really don't off the top of my head.\n\nI'd actually have to I'd have to work back because we are are are not terribly great with our overall budget. I think we we operate on a a certain amount of money kind of coming in, and we know where the bulk of our money goes out. But, you know, our our account tends to just fluctuate not not to great degrees, if you know what I mean. Yeah. But, yeah, I just couldn't tell you off the top of my head without really thinking about all of the bills we pay.\n\nIt is. Yeah. It is. Yeah. Yep.\n\nSteven, two with a p h. Yes. I I think my my wife is also a teacher because she's on a she's been with Education Queensland since she started teaching, and she's on a defined benefit. So her goal is very much to remain in her current employment for as long as possible because that will be quite good for her when she gets retirement age. But we're we are honestly looking, like, more realistically, like, a retirement age around 60.\n\nI don't know if I can keep teaching until 65. We may continue to do something we may continue to do something else, but I think between the two of us, with our superannuation and if we can pay off our house and still be able to generate a reasonable than income between now, and that's twelve more years of work for us, that feels like it might be achievable. So yeah. Because the the main the biggest goal for us is obviously to pay off our loan because, you know, at the moment, we're paying something like we pay around about 55 or $57,000 a year on our loan repayment. So it's a huge amount of money, obviously, going out of the account every single year that could be spent on holidays or a new kitchen, for instance.\n\nYeah. Exactly. Yeah. So, yeah, perhaps a bit earlier than '65. And I don't I know and and I I don't know about then what what we might do.\n\nBut, yeah, I imagine I'll remain the intention is to remain busy doing something. I just don't know what. Yeah. Well, I I I don't know, but I did I did do a little bit of Googling last week ahead of this conversation. But, you know, maybe, like because I was sort of going if we had I think one of my initial goals was to maybe have, you know, a million dollars in superannuation.\n\nYou know, if that was if that was an achievable goal, would that be sufficient to live off? You know, if the Internet thinks, yes, maybe $80,000 a year for couple without kids, without dependents, or something like that. Sure. Sure. Mhmm.\n\nMhmm. Yeah. Okay. And start to invest some of that more money that in my super rather than on the home. Yeah.\n\nSure. Yeah. Yeah. Mhmm. Sure.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nOkay. Same age. 48. No. More be more than mine.\n\nYeah. Yeah. Sure. Okay. Yeah.\n\nYep. Mhmm. Yep. I might just actually just grab my laptop if you don't mind. I'll just be one second just so I can look at it on the screen.\n\nOkay. One sec. Alright. Sorry. I'm back.\n\nGreat. Yep. Just got that email now. Yep. Okay.\n\nI'm in the document now. Yep. Yep. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yep. Great. Mhmm.\n\nYeah. Correct. Yeah. Yeah. I'm happy with all of that.\n\nThere's nothing to review there. Not too sure about that. Yep. Yep. Right.\n\nSure. Yeah. Okay. I think I'll be yeah. I think we'll be right at this stage.\n\nMhmm. Yep. Mhmm. Yeah. Mhmm.\n\nRight. Yeah. Sure. Okay. Mhmm.\n\nYeah. Sure. I don't think the growth period overall, my super has performed as well over the last financial year as it did the year before. Yeah. Yep.\n\nYeah. Right. Yeah. Sure. Okay.\n\nMhmm. Mhmm. Okay. Yeah. Right.\n\nCan you just explain to me really quickly when I look at what's the difference between the income in period? So, like, if I just took that if I took the next one down, the beta the beta global cyber ETF units, if the incoming period is nine nine one, the growth what's the difference between the income in the period and the growth in the period and then the total I could say the total earnings is a combination of the two of those, but, yeah, what's the difference between income in period and growth in period? Mhmm. Yep. Sure.\n\nYep. Yep. Yeah. Okay. Right.\n\nMhmm. Right. Okay. Right. Mhmm.\n\nOkay. Yep. Mhmm. Sure. So when I look at the total earnings then, if I look right down the bottom, That total earnings from $3.16 to $3.44 is how much my my super has actually brought in value.\n\nThat's how much it's made. Are those earnings are they exclusive of the contributions I make or inclusive of the contributions I make? Mhmm. Yep. Yep.\n\nYeah. Yep. Yep. Yeah. I see.\n\nGotcha. Gotcha. Yep. Yeah. Okay.\n\nYeah. Yeah. Yeah. I think so. Yeah.\n\nMhmm. Mhmm. Yep. Mhmm. Right.\n\nMhmm. Yeah. Yeah. Yep. Yeah.\n\nI gotcha. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. I can see that. Yep. Yep.\n\nYes. Yep. Yep. Yeah. Yeah.\n\nSure. Yep. Put the risk here. Yeah. Right.\n\nYeah. Okay. Yeah. Okay. Yep.\n\nMhmm. Mhmm. Yeah. Because I think that's this is only about my third third maybe year. I think it I can't remember if it was 2022 or 2023 when I signed up with Oakview.\n\nIn that yeah. Yeah. That's right. And I think I've already seen because I think I signed up right before the Ukraine war, and that was yeah. And my my ZIP code took a, like, a $20 hit within a month of of signing up, and I was like, uh-uh.\n\nI made a huge mistake here. But it, you know, it didn't. It it obviously, it it rebounded as it as it does. And, you know, I think all the advice that I've been given is, you know, if our income is steady at this point, we're worth it's worth, you know, risking a little bit more in that growth portfolio because ultimately, it's gonna benefit me in the long run to play it safe at this point. Probably not going to benefit me as much as it would to be on a growth portfolio, so I'm still comfortable.\n\nYeah. Yeah. Sure. Yeah. Yep.\n\nMhmm. Yep. Yep. Yep. That's all good.\n\nI'll just click through those. Yep. Yep. Yep. Yeah.\n\nOh, goodness. Yep. Mhmm. Sure. Yeah.\n\nYeah. Yeah. Yeah. Great. Yeah.\n\nOkay. That'd be great. Yeah. That's great. I I guess the only thing the only follow-up for me would be just to if you're able to I guess, will you let me know if you change those investments, those two options that you said that you were looking at the because I I realized the the Ben Long one's not that that's obviously a much bigger decision.\n\nThat's that's gonna obviously impact more than just me. But, yeah, will you just let me know if that happens, or will I just see that through the the transaction of like, when I see Hub 24 transactions being made? Mhmm. Okay. Yep.\n\nYep. Okay. Sure. A little bit later is is good for me, if possible, like, sort of 04:30 kind of guarantees me sort of being available. The only afternoon I'm not available from next week is Wednesday afternoon just so I have a rose alarm.\n\nYeah. That's only a seat as well, isn't it? Yeah. That looks good. Yeah.\n\nFull thirty claims, and I'm not sure. I'm gonna put my calendar right now. No. That's all good. I'm I'm I'm on my computer.\n\nI'm putting it right in so I don't forget. Perfect. Great. Thanks, Jenna. No.\n\nNo. I think I think that's it. That's all good. Perfect. Thanks very much for your time.\n\nOkay. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.28,"sentiment":"neutral","sentiment_score":0.02005765214562416},{"text":"Brent speaking.","start":1.28,"end":2.1,"sentiment":"neutral","sentiment_score":0.014996908605098724},{"text":"Well, thanks, Jenna.","start":7.2,"end":8.16,"sentiment":"positive","sentiment_score":0.33710559209187824},{"text":"How are you?","start":8.16,"end":8.9,"sentiment":"neutral","sentiment_score":0.2922350764274597},{"text":"Sure.","start":13.265,"end":13.765,"sentiment":"neutral","sentiment_score":0.03521992638707161}],"sentiment":"neutral","sentiment_score":0.1973293401300907,"num_words":10,"start":0.96,"end":13.765},{"sentences":[{"text":"Brad.","start":25.025002,"end":25.265,"sentiment":"neutral","sentiment_score":0.01636693812906742},{"text":"Markwell 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really.","start":64.020004,"end":64.76,"sentiment":"neutral","sentiment_score":-0.13098066300153732},{"text":"My wife and I, like, our income remains the same.","start":66.020004,"end":69.08,"sentiment":"neutral","sentiment_score":-0.16761983633041383}],"sentiment":"neutral","sentiment_score":-0.10773097502533346,"num_words":16,"start":42.37,"end":69.08},{"sentences":[{"text":"We're both teachers, so we've only just had a a slight pay increase with the the arbitration process that's going on with Education Queensland at the moment.","start":70.415,"end":80.595,"sentiment":"neutral","sentiment_score":-0.14210538759275718},{"text":"So that pay rises only just kinda comes through in our last pay slip.","start":80.975,"end":83.93,"sentiment":"neutral","sentiment_score":-0.12185201261724744},{"text":"But other than that, no no real change.","start":83.93,"end":87.310005,"sentiment":"neutral","sentiment_score":-0.1625943575054407},{"text":"You know, our employment's both sort of fairly consistent.","start":88.490005,"end":91.79,"sentiment":"neutral","sentiment_score":-0.06587941240933207},{"text":"And our main goal at this point, because we're we sort of feel that we're within five years of paying off the house, so our goal is firmly fixed on that at the moment.","start":93.53001,"end":105.965,"sentiment":"neutral","sentiment_score":-0.01782089373206391}],"sentiment":"neutral","sentiment_score":-0.0874168869593869,"num_words":92,"start":70.415,"end":105.965},{"sentences":[{"text":"Yeah.","start":113.44,"end":113.68,"sentiment":"neutral","sentiment_score":-0.007988568395376205},{"text":"I know.","start":113.68,"end":114.08,"sentiment":"neutral","sentiment_score":-0.038319243118166924},{"text":"Well, we've basically, we've been putting away since we refinanced and bought this house, which was eight years ago.","start":114.08,"end":121.14,"sentiment":"neutral","sentiment_score":-0.11656970609175532},{"text":"You know, it's doubled in value, and and we've just been putting, like, extra repayments on the whole time.","start":121.92,"end":130.575,"sentiment":"neutral","sentiment_score":-0.10958715743924442},{"text":"So, yeah, that's that's just sort of our priority is just kinda get it paid off, and then we know that that we've got some time ahead of us then for renovations and other things if we want to.","start":131.035,"end":140.735,"sentiment":"neutral","sentiment_score":-0.07127532945611538}],"sentiment":"neutral","sentiment_score":-0.08951681638136506,"num_words":80,"start":113.44,"end":140.735},{"sentences":[{"text":"Yeah.","start":153.08,"end":153.4,"sentiment":"neutral","sentiment_score":0.05746734142303467},{"text":"It's down to 200 and 60.","start":153.4,"end":164.745,"sentiment":"neutral","sentiment_score":0.07758336576322715},{"text":"Not real no.","start":164.745,"end":166.105,"sentiment":"neutral","sentiment_score":-0.022940062607328098},{"text":"Not really.","start":166.105,"end":166.58499,"sentiment":"neutral","sentiment_score":-0.007395565044134856},{"text":"I think I I I don't remember when because like, my my we own both our vehicles now.","start":166.58499,"end":173.03,"sentiment":"neutral","sentiment_score":-0.008987970184534788}],"sentiment":"neutral","sentiment_score":0.009252425159017245,"num_words":30,"start":153.08,"end":173.03},{"sentences":[{"text":"I think my Audi, I can't remember when I had my last review if that was paid off, but that's paid off now.","start":173.03,"end":178.89,"sentiment":"neutral","sentiment_score":0.012512005420158739},{"text":"And and I bought a motorbike, but I think I might have mentioned that last time.","start":179.99,"end":183.615,"sentiment":"neutral","sentiment_score":0.018326898862142116},{"text":"So that that might have been a damn, there's another 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think.","start":220.925,"end":225.95,"sentiment":"neutral","sentiment_score":0.02660995263319749},{"text":"Yeah.","start":231.53,"end":231.93,"sentiment":"neutral","sentiment_score":0.03954603523015976}],"sentiment":"neutral","sentiment_score":0.05715617482465776,"num_words":44,"start":190.655,"end":231.93},{"sentences":[{"text":"That's possible.","start":231.93,"end":232.75,"sentiment":"neutral","sentiment_score":0.049718696624040604},{"text":"Yeah.","start":232.89,"end":233.39,"sentiment":"neutral","sentiment_score":0.07313839346170425},{"text":"Oh, I think so.","start":235.29,"end":236.17,"sentiment":"neutral","sentiment_score":0.0451351972296834},{"text":"Yeah.","start":236.17,"end":236.535,"sentiment":"neutral","sentiment_score":0.02038466185331345},{"text":"Or is that plus super?","start":237.49501,"end":240.13501,"sentiment":"neutral","sentiment_score":0.008347799815237523}],"sentiment":"neutral","sentiment_score":0.031941556658309236,"num_words":13,"start":231.93,"end":240.13501},{"sentences":[{"text":"I don't think so.","start":240.13501,"end":240.695,"sentiment":"neutral","sentiment_score":-0.04675425682216883},{"text":"I'm not too sure.","start":240.695,"end":241.41501,"sentiment":"neutral","sentiment_score":-0.06511236540973186},{"text":"The when I look at my yeah.","start":241.41501,"end":243.575,"sentiment":"neutral","sentiment_score":-0.02744319010525942},{"text":"I think it must be plus super because when I look at my deductions, it's mainly tax plus a small extra salary sacrifice of super contribution that I 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70¢.","start":278.255,"end":288.31,"sentiment":"neutral","sentiment_score":-0.020382732735015452}],"sentiment":"neutral","sentiment_score":0.005823982879519463,"num_words":28,"start":257.93,"end":288.31},{"sentences":[{"text":"And then I've got that's a $4.09.","start":289.33,"end":292.38998,"sentiment":"neutral","sentiment_score":-0.07581824596439089},{"text":"And then I've got tax coming out of that, and then I've also got my I think I think I this code is n g s u p e m p dash post, and that's $2.50.","start":293.97,"end":309.31998,"sentiment":"neutral","sentiment_score":0.0035836698435660866},{"text":"My understanding is that's my a a small additional salary sacrifice contribution I signed up for.","start":309.31998,"end":316.22,"sentiment":"neutral","sentiment_score":0.010618378408253193},{"text":"That's that's correct.","start":319.8,"end":320.68,"sentiment":"neutral","sentiment_score":0.10987145950396854},{"text":"And then the employer said that this pay is $637.71.","start":320.68,"end":325.205,"sentiment":"neutral","sentiment_score":0.035553844273090364}],"sentiment":"neutral","sentiment_score":0.006296267616562545,"num_words":72,"start":289.33,"end":325.205},{"sentences":[{"text":"I don't know, to tell you the truth.","start":332.785,"end":334.725,"sentiment":"neutral","sentiment_score":-0.15187068842351437},{"text":"Education Queensland.","start":337.505,"end":338.565,"sentiment":"neutral","sentiment_score":-0.0021804284770041704},{"text":"Okay.","start":348.43002,"end":348.93002,"sentiment":"neutral","sentiment_score":0.03689054772257805},{"text":"Because I think I think when I look at my when I look at my Hub 24 account, I can see each fortnight that those two contributions.","start":355.245,"end":362.465,"sentiment":"neutral","sentiment_score":0.020858118552024716},{"text":"I can see Education Queensland, 600 and whatever, and I can see my contribution for 200 and whatever 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correct.","start":425.51,"end":426.55002,"sentiment":"neutral","sentiment_score":0.19942334294319153},{"text":"Yep.","start":426.55002,"end":427.05002,"sentiment":"neutral","sentiment_score":0.12236891686916351},{"text":"Yeah.","start":432.59497,"end":432.995,"sentiment":"neutral","sentiment_score":0.011990178376436234},{"text":"That that when you asked me before, our cash savings was, and I said about 40, that's inclusive of those of, like, our holidays and our kids accounts because they're all offset accounts.","start":432.995,"end":443.175,"sentiment":"neutral","sentiment_score":0.01994756448336623}],"sentiment":"neutral","sentiment_score":0.03900182292533991,"num_words":39,"start":425.27002,"end":443.175},{"sentences":[{"text":"Yeah.","start":444.53,"end":444.77,"sentiment":"neutral","sentiment_score":0.08709009736776352},{"text":"So that that that $40 is inclusive of all of 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Correct.","start":472.65,"end":482.625,"sentiment":"neutral","sentiment_score":0.08800149708986282},{"text":"Yep.","start":486.225,"end":486.725,"sentiment":"neutral","sentiment_score":0.018390340730547905},{"text":"Oh, I do.","start":489.665,"end":490.705,"sentiment":"neutral","sentiment_score":0.009618752946456274},{"text":"Yeah.","start":490.705,"end":491.205,"sentiment":"neutral","sentiment_score":0.007035825401544571}],"sentiment":"neutral","sentiment_score":0.013524539954960346,"num_words":20,"start":468.52502,"end":491.205},{"sentences":[{"text":"00418 7330 679.","start":491.585,"end":497.54,"sentiment":"neutral","sentiment_score":0.0208823358019193},{"text":"Six.","start":505.76,"end":506.26,"sentiment":"neutral","sentiment_score":0.035495515912771225},{"text":"Yeah.","start":506.975,"end":507.375,"sentiment":"neutral","sentiment_score":0.02353833056986332},{"text":"Yeah.","start":507.375,"end":507.695,"sentiment":"neutral","sentiment_score":0.013464098796248436},{"text":"16 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you just explain to me really quickly when I look at what's the difference between the income in period?","start":1652.115,"end":1661.62,"sentiment":"neutral","sentiment_score":0.029761689063161612},{"text":"So, like, if I just took that if I took the next one down, the beta the beta global cyber ETF units, if the incoming period is nine nine one, the growth what's the difference between the income in the period and the growth in the period and then the total I could say the total earnings is a combination of the two of those, but, yeah, what's the difference between income in period and growth in 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here.","start":2055.065,"end":2056.365,"sentiment":"neutral","sentiment_score":-0.00636731181293726},{"text":"Yeah.","start":2074.165,"end":2074.405,"sentiment":"neutral","sentiment_score":0.10068514943122864},{"text":"Right.","start":2074.405,"end":2074.905,"sentiment":"neutral","sentiment_score":0.07467931509017944}],"sentiment":"neutral","sentiment_score":0.043040760327130556,"num_words":8,"start":2039.53,"end":2074.905},{"sentences":[{"text":"Yeah.","start":2104.8352,"end":2105.155,"sentiment":"neutral","sentiment_score":0.008346019312739372},{"text":"Okay.","start":2105.155,"end":2105.655,"sentiment":"neutral","sentiment_score":-0.000623457133769989},{"text":"Yeah.","start":2116.05,"end":2116.37,"sentiment":"neutral","sentiment_score":0.052596982568502426},{"text":"Okay.","start":2116.37,"end":2116.87,"sentiment":"neutral","sentiment_score":0.10987354815006256},{"text":"Yep.","start":2120.45,"end":2120.95,"sentiment":"neutral","sentiment_score":0.24659594893455505}],"sentiment":"neutral","sentiment_score":0.08335780836641789,"num_words":5,"start":2104.8352,"end":2120.95},{"sentences":[{"text":"Mhmm.","start":2135.345,"end":2135.845,"sentiment":"neutral","sentiment_score":0.07189272344112396},{"text":"Mhmm.","start":2138.4,"end":2138.9,"sentiment":"neutral","sentiment_score":0.07022012770175934},{"text":"Yeah.","start":2149.52,"end":2149.92,"sentiment":"neutral","sentiment_score":0.11727192252874374},{"text":"Because I think that's this is only about my third third maybe year.","start":2149.92,"end":2155.025,"sentiment":"neutral","sentiment_score":0.010642982446230374},{"text":"I think it I can't remember if it was 2022 or 2023 when I signed up with Oakview.","start":2155.085,"end":2160.865,"sentiment":"neutral","sentiment_score":-0.011370659805834293}],"sentiment":"neutral","sentiment_score":0.005678578499047195,"num_words":34,"start":2135.345,"end":2160.865},{"sentences":[{"text":"In that yeah.","start":2168.16,"end":2169.22,"sentiment":"neutral","sentiment_score":0.00830348984648784},{"text":"Yeah.","start":2169.44,"end":2169.68,"sentiment":"neutral","sentiment_score":0.041720762848854065},{"text":"That's right.","start":2169.68,"end":2170.24,"sentiment":"neutral","sentiment_score":0.08235488459467888},{"text":"And I think I've already seen because I think I signed up right before the Ukraine war, and that was yeah.","start":2170.24,"end":2178.64,"sentiment":"neutral","sentiment_score":0.016179050629337628},{"text":"And my my ZIP code took a, like, a $20 hit within a month of of signing up, and I was like, uh-uh.","start":2178.64,"end":2184.975,"sentiment":"neutral","sentiment_score":-0.0548600126867709}],"sentiment":"neutral","sentiment_score":-0.013813584540039302,"num_words":50,"start":2168.16,"end":2184.975},{"sentences":[{"text":"I made a huge mistake here.","start":2185.915,"end":2187.8552,"sentiment":"neutral","sentiment_score":-0.2705412233869235},{"text":"But it, you know, it didn't.","start":2188.715,"end":2190.3152,"sentiment":"neutral","sentiment_score":-0.14416109770536423},{"text":"It it obviously, it it rebounded as it as it does.","start":2190.3152,"end":2193.7551,"sentiment":"neutral","sentiment_score":-0.06354381414976987},{"text":"And, you know, I think all the advice that I've been given is, you know, if our income is steady at this point, we're worth it's worth, you know, risking a little bit more in that growth portfolio because ultimately, it's gonna benefit me in the long run to play it safe at this point.","start":2193.7551,"end":2209.065,"sentiment":"neutral","sentiment_score":0.023553855141455478},{"text":"Probably not going to benefit me as much as it would to be on a growth portfolio, so I'm still comfortable.","start":2209.145,"end":2215.325,"sentiment":"neutral","sentiment_score":-0.09274719158808391}],"sentiment":"neutral","sentiment_score":-0.038782069421928335,"num_words":99,"start":2185.915,"end":2215.325},{"sentences":[{"text":"Yeah.","start":2229.55,"end":2230.05,"sentiment":"neutral","sentiment_score":-0.058226361870765686},{"text":"Yeah.","start":2231.23,"end":2231.7102,"sentiment":"neutral","sentiment_score":0.008399073034524918},{"text":"Sure.","start":2231.7102,"end":2232.2102,"sentiment":"neutral","sentiment_score":0.05950544774532318},{"text":"Yeah.","start":2239.55,"end":2240.05,"sentiment":"neutral","sentiment_score":0.04813346639275551},{"text":"Yep.","start":2244.9648,"end":2245.4648,"sentiment":"neutral","sentiment_score":0.03804176300764084}],"sentiment":"neutral","sentiment_score":0.01917067766189575,"num_words":5,"start":2229.55,"end":2245.4648},{"sentences":[{"text":"Mhmm.","start":2248.885,"end":2249.385,"sentiment":"neutral","sentiment_score":0.052415747195482254},{"text":"Yep.","start":2251.925,"end":2252.31,"sentiment":"neutral","sentiment_score":0.06463061273097992},{"text":"Yep.","start":2261.6702,"end":2262.07,"sentiment":"neutral","sentiment_score":0.11201901733875276},{"text":"Yep.","start":2262.07,"end":2262.57,"sentiment":"neutral","sentiment_score":0.16737937927246094},{"text":"That's all good.","start":2262.6301,"end":2263.35,"sentiment":"positive","sentiment_score":0.47016828258832294}],"sentiment":"neutral","sentiment_score":0.2581356577575207,"num_words":7,"start":2248.885,"end":2263.35},{"sentences":[{"text":"I'll just click through those.","start":2263.35,"end":2264.775,"sentiment":"neutral","sentiment_score":0.11145147383213043},{"text":"Yep.","start":2269.895,"end":2270.395,"sentiment":"neutral","sentiment_score":0.020277488976716995},{"text":"Yep.","start":2273.9749,"end":2274.4749,"sentiment":"neutral","sentiment_score":0.08032384514808655},{"text":"Yep.","start":2287.6902,"end":2288.1902,"sentiment":"neutral","sentiment_score":0.10675948858261108},{"text":"Yeah.","start":2303.945,"end":2304.445,"sentiment":"neutral","sentiment_score":0.09341638535261154}],"sentiment":"neutral","sentiment_score":0.09533717524674204,"num_words":9,"start":2263.35,"end":2304.445},{"sentences":[{"text":"Oh, goodness.","start":2304.585,"end":2305.32,"sentiment":"neutral","sentiment_score":0.3296041041612625},{"text":"Yep.","start":2318.2,"end":2318.565,"sentiment":"neutral","sentiment_score":0.15583686530590057},{"text":"Mhmm.","start":2323.045,"end":2323.545,"sentiment":"neutral","sentiment_score":0.039882153272628784},{"text":"Sure.","start":2351.055,"end":2351.555,"sentiment":"neutral","sentiment_score":0.17010189592838287},{"text":"Yeah.","start":2361.63,"end":2362.13,"sentiment":"neutral","sentiment_score":0.07255890965461731}],"sentiment":"neutral","sentiment_score":0.18293133874734244,"num_words":6,"start":2304.585,"end":2362.13},{"sentences":[{"text":"Yeah.","start":2362.19,"end":2362.69,"sentiment":"neutral","sentiment_score":0.07792690396308899},{"text":"Yeah.","start":2373.3098,"end":2373.735,"sentiment":"neutral","sentiment_score":0.10196095705032349},{"text":"Yeah.","start":2378.135,"end":2378.5352,"sentiment":"neutral","sentiment_score":0.2926950454711914},{"text":"Great.","start":2378.5352,"end":2379.0352,"sentiment":"positive","sentiment_score":0.6051332950592041},{"text":"Yeah.","start":2406.885,"end":2407.285,"sentiment":"neutral","sentiment_score":0.10165777057409286}],"sentiment":"neutral","sentiment_score":0.23587479442358017,"num_words":5,"start":2362.19,"end":2407.285},{"sentences":[{"text":"Okay.","start":2407.285,"end":2407.605,"sentiment":"neutral","sentiment_score":0.15940162539482117},{"text":"That'd be great.","start":2407.605,"end":2408.505,"sentiment":"positive","sentiment_score":0.3600635727246602},{"text":"Yeah.","start":2409.2048,"end":2409.4448,"sentiment":"neutral","sentiment_score":0.21673795580863953},{"text":"That's great.","start":2409.4448,"end":2410.265,"sentiment":"positive","sentiment_score":0.4597475230693817},{"text":"I I guess the only thing the only follow-up for me would be just to if you're able to I guess, will you let me know if you change those investments, those two options that you said that you were looking at the because I I realized the the Ben Long one's not that that's obviously a much bigger decision.","start":2410.63,"end":2428.1152,"sentiment":"neutral","sentiment_score":0.026730582118034363}],"sentiment":"neutral","sentiment_score":0.059397914516392036,"num_words":67,"start":2407.285,"end":2428.1152},{"sentences":[{"text":"That's that's gonna obviously impact more than just me.","start":2428.1152,"end":2430.915,"sentiment":"neutral","sentiment_score":-0.07462682326634724},{"text":"But, yeah, will you just let me know if that happens, or will I just see that through the the transaction of like, when I see Hub 24 transactions being made?","start":2430.915,"end":2441.72,"sentiment":"neutral","sentiment_score":0.09011895509977494},{"text":"Mhmm.","start":2448.7551,"end":2449.2551,"sentiment":"neutral","sentiment_score":0.0911540910601616},{"text":"Okay.","start":2463.155,"end":2463.63,"sentiment":"neutral","sentiment_score":0.1431092917919159},{"text":"Yep.","start":2478.67,"end":2478.855,"sentiment":"neutral","sentiment_score":0.2190198004245758}],"sentiment":"neutral","sentiment_score":0.05989138097610584,"num_words":43,"start":2428.1152,"end":2478.855},{"sentences":[{"text":"Yep.","start":2482.375,"end":2482.875,"sentiment":"neutral","sentiment_score":0.29493290185928345},{"text":"Okay.","start":2488.455,"end":2488.855,"sentiment":"neutral","sentiment_score":0.13217416405677795},{"text":"Sure.","start":2488.855,"end":2489.355,"sentiment":"neutral","sentiment_score":0.13691629469394684},{"text":"A little bit later is is good for me, if possible, like, sort of 04:30 kind of guarantees me sort of being available.","start":2496.2302,"end":2506.215,"sentiment":"neutral","sentiment_score":0.1828704609171204},{"text":"The only afternoon I'm not available from next week is Wednesday afternoon just so I have a rose alarm.","start":2507.2349,"end":2512.775,"sentiment":"neutral","sentiment_score":-0.0940899278380369}],"sentiment":"neutral","sentiment_score":0.06627411850624615,"num_words":45,"start":2482.375,"end":2512.775},{"sentences":[{"text":"Yeah.","start":2527.8901,"end":2528.29,"sentiment":"neutral","sentiment_score":0.15340429544448853},{"text":"That's only a seat as well, isn't it?","start":2528.29,"end":2541.0352,"sentiment":"neutral","sentiment_score":0.11914619244635105},{"text":"Yeah.","start":2541.0352,"end":2541.435,"sentiment":"neutral","sentiment_score":0.11509911715984344},{"text":"That looks good.","start":2541.435,"end":2542.43,"sentiment":"neutral","sentiment_score":0.24549508591492972},{"text":"Yeah.","start":2544.5698,"end":2545.0698,"sentiment":"neutral","sentiment_score":0.04831315577030182}],"sentiment":"neutral","sentiment_score":0.14331938326358795,"num_words":14,"start":2527.8901,"end":2545.0698},{"sentences":[{"text":"Full thirty claims, and I'm not sure.","start":2554.25,"end":2555.69,"sentiment":"neutral","sentiment_score":-0.05379584963832583},{"text":"I'm gonna put my calendar right now.","start":2555.69,"end":2557.545,"sentiment":"neutral","sentiment_score":-0.0003749669662543705},{"text":"No.","start":2561.4648,"end":2561.625,"sentiment":"neutral","sentiment_score":-0.11316175758838654},{"text":"That's all good.","start":2561.625,"end":2562.265,"sentiment":"neutral","sentiment_score":0.10906609892845154},{"text":"I'm I'm I'm on my computer.","start":2562.265,"end":2563.625,"sentiment":"neutral","sentiment_score":0.03213480937605103}],"sentiment":"neutral","sentiment_score":0.001152069967550536,"num_words":24,"start":2554.25,"end":2563.625},{"sentences":[{"text":"I'm putting it right in so I don't forget.","start":2563.625,"end":2565.645,"sentiment":"neutral","sentiment_score":0.08446939196437597},{"text":"Perfect.","start":2577.48,"end":2577.72,"sentiment":"positive","sentiment_score":0.801142692565918},{"text":"Great.","start":2577.72,"end":2578.12,"sentiment":"positive","sentiment_score":0.8010402917861938},{"text":"Thanks, Jenna.","start":2578.12,"end":2578.94,"sentiment":"positive","sentiment_score":0.7136057019233704},{"text":"No.","start":2583.1602,"end":2583.6602,"sentiment":"neutral","sentiment_score":-0.008534714579582214}],"sentiment":"neutral","sentiment_score":0.2700774429499039,"num_words":14,"start":2563.625,"end":2583.6602},{"sentences":[{"text":"No.","start":2584.6,"end":2584.76,"sentiment":"neutral","sentiment_score":-0.04211964085698128},{"text":"I think I think that's it.","start":2584.76,"end":2586.1448,"sentiment":"neutral","sentiment_score":0.21633226921161017},{"text":"That's all good.","start":2586.1448,"end":2587.045,"sentiment":"positive","sentiment_score":0.6737208565076193},{"text":"Perfect.","start":2594.785,"end":2595.1848,"sentiment":"positive","sentiment_score":0.783258318901062},{"text":"Thanks very much for your time.","start":2595.1848,"end":2596.407,"sentiment":"positive","sentiment_score":0.8550419310728709}],"sentiment":"positive","sentiment_score":0.5406203793690485,"num_words":17,"start":2584.6,"end":2596.407},{"sentences":[{"text":"Okay.","start":2598.167,"end":2598.647,"sentiment":"neutral","sentiment_score":0.2443421483039856},{"text":"Bye bye.","start":2598.647,"end":2599.467,"sentiment":"neutral","sentiment_score":0.03430319204926491}],"sentiment":"neutral","sentiment_score":0.10431617746750514,"num_words":3,"start":2598.167,"end":2599.467}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Brent speaking.\n\nChannel 0: Hi, Brad. This is Jenna here phoning from Oakview Financial. How are you today?\n\nChannel 1: Well, thanks, Jenna. How are you?\n\nChannel 0: I'm well. Thank you. Just before I go any further, I just need to let you know that\n\nChannel 1: Sure.\n\nChannel 0: our calls are recorded for quality and coaching purposes. Is that okay? Fantastic. Brad, can I please ask you to confirm your full name, date of birth, and address?\n\nChannel 1: Brad. Markwell Jennings. 06/21/1978. 46 Highfield Street, Durack 4077.\n\nChannel 0: Thank you for confirming that, Brad. I'm phoning today to complete and go through your annual review. Do you still have time to do that?\n\nChannel 1: Yep. Sure do.\n\nChannel 0: Lovely. Before we get to the crux of it, I guess, what I'd like to do is just check-in with you and see how everything's been going and has there been any significant financial or personal changes to your situation?\n\nChannel 1: Yeah. No. Not really. My wife and I, like, our income remains the same. We're both teachers, so we've only just had a a slight pay increase with the the arbitration process that's going on with Education Queensland at the moment.\n\nSo that pay rises only just kinda comes through in our last pay slip. But other than that, no no real change. You know, our employment's both sort of fairly consistent. And our main goal at this point, because we're we sort of feel that we're within five years of paying off the house, so our goal is firmly fixed on that at the moment.\n\nChannel 0: Yep. That's absolutely great. That's a fantastic goal. How good would that feel in five years?\n\nChannel 1: Yeah. I know. Well, we've basically, we've been putting away since we refinanced and bought this house, which was eight years ago. You know, it's doubled in value, and and we've just been putting, like, extra repayments on the whole time. So, yeah, that's that's just sort of our priority is just kinda get it paid off, and then we know that that we've got some time ahead of us then for renovations and other things if we want to.\n\nChannel 0: Yeah. Oh, that's that's fantastic. That's a great approach. Well done to you both. Speaking of the debt, we had it listed at 300 and 2,000 last time.\n\nIs it going down?\n\nChannel 1: Yeah. It's down to 200 and\n\nChannel 0: That's fantastic. No. That's great. Anything else that you can think of\n\nChannel 1: 60.\n\nChannel 0: outside\n\nChannel 1: Not\n\nChannel 0: of\n\nChannel 1: real no.\n\nChannel 0: that?\n\nChannel 1: Not\n\nChannel 0: Yeah.\n\nChannel 1: really. I think I I I don't remember when because like, my my we own both our vehicles now. I think my Audi, I can't remember when I had my last review if that was paid off, but that's paid off now.\n\nChannel 0: Yep.\n\nChannel 1: And and I bought a motorbike, but I think I might have mentioned that last time. So that that might\n\nChannel 0: Yeah.\n\nChannel 1: have been a damn, there's another asset.\n\nChannel 0: Yeah. K l r $6.50?\n\nChannel 1: Yeah. That's it. But other other than that, no no other real sort of changes in our financial situation, which is good.\n\nChannel 0: Okay. That is fantastic. And you we've got cash noted here with about 30,000. Would that\n\nChannel 1: Maybe 40.\n\nChannel 0: still be right? 40? Okay. And you said you you mentioned your wage is pretty much the same. We have a 125 noted.\n\nIs that is that consistent?\n\nChannel 1: It's it's probably a little bit more than that. I think it's it's probably closer to, like, one one thirty, I think.\n\nChannel 0: Yeah. Is that plus super?\n\nChannel 1: Yeah. That's possible. Yeah.\n\nChannel 0: Great.\n\nChannel 1: Oh, I think so. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Or\n\nChannel 0: Yep.\n\nChannel 1: is that plus super? I don't think so. I'm not too sure. The when I look at my yeah. I think it must be plus super because when I look at my deductions, it's mainly tax plus a small extra salary sacrifice of super contribution that I make.\n\nChannel 0: Yeah. Oh, actually, how much is that? Do you know that off the top of your head?\n\nChannel 1: Alright. Just hang on a sec. I'll put you on speaker and look at my payslip, though.\n\nChannel 0: Yeah. That would be great. Thank you.\n\nChannel 1: Sorry. One second. So my gross gross income is $500.01 and 70¢. And\n\nChannel 0: Her\n\nChannel 1: then\n\nChannel 0: phone not\n\nChannel 1: I've\n\nChannel 0: awake.\n\nChannel 1: got that's a $4.09.\n\nChannel 0: Yep.\n\nChannel 1: And then I've got tax coming out of that, and then I've also got my I think I think I this code is n g s u p e m p dash post, and that's $2.50. My understanding is that's my a a small additional salary sacrifice contribution I signed up for.\n\nChannel 0: Yeah. So you that's $2.50 a pay cycle. Is that right?\n\nChannel 1: That's that's correct. And then the employer said that this pay is $637.71.\n\nChannel 0: Okay. Do you get more than the standard 12% by by signing up to doing that extra salary sacrifice?\n\nChannel 1: I don't know, to tell you the truth.\n\nChannel 0: Okay. Who's your employer?\n\nChannel 1: Education Queensland.\n\nChannel 0: Education Queensland. Yeah. You definitely I think you would. I'm going to do a little bit of research while we chat through things.\n\nChannel 1: Okay.\n\nChannel 0: Okay. So that's $2.50 a week. We\n\nChannel 1: Because\n\nChannel 0: had\n\nChannel 1: I think I think when I look\n\nChannel 0: yeah.\n\nChannel 1: at my when I look at my Hub 24 account, I can see each fortnight that those two contributions. I can see Education Queensland, 600 and whatever, and I can see my contribution for 200 and whatever whatever. And both of those payments go in every fortnight into the hub sup hub twenty four again.\n\nChannel 0: Yeah. Yep. Okay. So let's have a look at this. An employer contribution.\n\nSo with Education Queensland, you get 12.75%. If you're under 75, there's a default contribution of 5%, and that's set up pretax. Accountants earnings to mandatory. Yep. So you get a little you get an extra point 75%, which is nice.\n\nChannel 1: Okay. Right. Cool.\n\nChannel 0: Okay. That's fantastic. And your $2.50, I've got that. Now we had here savings wise that you were saving $3.50 a fortnight, and that was for holidays and $50 a week for kids. Is that right?\n\nChannel 1: Yeah. Yeah. That is correct. Yep.\n\nChannel 0: So the $50 a week is included in that $3.50. Is that right?\n\nChannel 1: Yeah. That that when you asked me before, our cash savings was, and I said about 40, that's inclusive of those of, like, our holidays and our kids accounts because\n\nChannel 0: Yep.\n\nChannel 1: they're all offset accounts.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So that that that $40 is inclusive of all of that.\n\nChannel 0: Lovely. So that we can just say that's where that and you're happy with that arrangement. You're just gonna continue with it. Do you wanna invest\n\nChannel 1: Yeah.\n\nChannel 0: that money?\n\nChannel 1: It's not because it's just money it's just money that we're putting away for ourselves to go if we have to do something for this kid or whatever. We've got money\n\nChannel 0: Yep.\n\nChannel 1: there for them or where where it might be a car in the future or whatever the case might be. But in the short term, it's all just sort of offsetting the loan. So\n\nChannel 0: Yep. Absolutely understand. Beautiful. The I have Corinne as your wife.\n\nChannel 1: Correct.\n\nChannel 0: Is she and we have her noted as your next of kin.\n\nChannel 1: Yep.\n\nChannel 0: We just don't have her contact number. Do you know that?\n\nChannel 1: Oh, I do. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: 00418\n\nChannel 0: Yes.\n\nChannel 1: 7330\n\nChannel 0: Yes.\n\nChannel 1: 679.\n\nChannel 0: Fantastic. And I've got two children here, aged 15 and 12. I suspect they've probably grow gotten\n\nChannel 1: Six.\n\nChannel 0: a little bit\n\nChannel 1: Yeah. Yeah. 16 and 13.\n\nChannel 0: older. Aw. And\n\nChannel 1: Yeah.\n\nChannel 0: what are their names?\n\nChannel 1: Olive and maple.\n\nChannel 0: Aw. They're beautiful names. So Olive is 16?\n\nChannel 1: Correct. Yeah.\n\nChannel 0: Yeah. Oh, lovely. I just like to have notes. So when I'm when I actually talk to you, I I can and talk about your children, I I actually know their names\n\nChannel 1: Yeah. Sure.\n\nChannel 0: and can communicate with you. Alright. So I've got you here as teacher in theater.\n\nChannel 1: Mhmm.\n\nChannel 0: You work for Education Queensland. Is there any particular school you're based at at the moment?\n\nChannel 1: The Queensland Academy of Creative Industries.\n\nChannel 0: And how long have you been a teacher for?\n\nChannel 1: I have been in arts sort of arts and education for, you know, sort of twenty six years professionally, but I've been a teacher on and off for maybe fifteen years at that time.\n\nChannel 0: Okay. And I've got you here noted as full time, thirty eight hours a week. Is that right?\n\nChannel 1: Yeah. Although,\n\nChannel 0: Yes.\n\nChannel 1: I think it's twenty five hours a week according to my payslip.\n\nChannel 0: But you're full time?\n\nChannel 1: Yeah. I'm full time. Yeah.\n\nChannel 0: Yeah. Okay. And do you have any idea what your expenditure is per week? So that would be living expenses, so outside of mortgage or anything like that.\n\nChannel 1: I really don't off the top of my head. I'd actually have to I'd have to work back because we are are are not terribly great with our overall budget. I think we we operate on a a certain amount of money kind of coming in, and we know where the bulk of our money goes out. But, you know, our our account tends to just fluctuate not not to great degrees, if you know what I\n\nChannel 0: Yep.\n\nChannel 1: mean.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: do.\n\nChannel 1: But, yeah, I just couldn't tell you off the top of my head without really thinking about all of the bills we pay.\n\nChannel 0: That's okay. I understand. Thank you. And then probably outside of that, I note that you have a will. Is it current?\n\nChannel 1: It is. Yeah. It\n\nChannel 0: Yes. And a power of attorney. Do you have that? I have\n\nChannel 1: is.\n\nChannel 0: here that you think it's your brother. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: And you're happy with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Lovely. What's your brother's name?\n\nChannel 1: Steven, two with a p h.\n\nChannel 0: I was just about to say, is it a p h or a v? Alright. Lovely. Okay. Just quickly, I know I've noted down your main goal as a family right now is focusing on being debt free\n\nChannel 1: Yes.\n\nChannel 0: and within the next five years. The other goal that we had was for retirement. So a happy happy retirement at the age of 65 oh, no. Sorry. Happy with retirement at the age of 65 that you'd like to move out of teaching and gradually transition further into the theater space before retirement.\n\nIs that still a retirement goal?\n\nChannel 1: I I think my my wife is also a teacher because she's on a she's been with Education Queensland since she started teaching, and she's on a defined benefit. So her goal is very much to remain in her current employment\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: for as long as possible because that will be quite good for her when she gets\n\nChannel 0: Yes.\n\nChannel 1: retirement age. But we're we are honestly looking, like, more realistically, like, a retirement age around 60. I don't know if I can keep teaching until 65. We may continue to do something we may continue to do something else, but I think between the two of us, with our superannuation and if we can pay off our house and still be able to generate a reasonable than income between now, and that's twelve more years of work for us,\n\nChannel 0: Mhmm.\n\nChannel 1: that feels like it might be achievable.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Okay.\n\nChannel 1: yeah. Because the the main the biggest goal for us is obviously to pay off our loan because, you know, at the moment, we're paying something like we pay around about 55 or $57,000 a year on our loan repayment. So it's a huge amount of money, obviously, going out\n\nChannel 0: Yeah.\n\nChannel 1: of the account every single year that could be spent on holidays or a new kitchen, for instance.\n\nChannel 0: I completely understand, and it sounds like we're all in for a little bit of a a rise yet\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: from yesterday's meeting.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Alright.\n\nChannel 1: So, yeah, perhaps a bit earlier than '65. And I don't I\n\nChannel 0: Okay.\n\nChannel 1: know and and I I don't know about then what what we might do. But, yeah, I imagine I'll remain the intention is to remain busy doing something. I just don't know what.\n\nChannel 0: That's absolutely fine. So if with retirement at 60, I'm gonna ask, being debt free, what do you think, income wise, you and Corinne would need to meet your your needs? If you were debt free, you wanted to travel, all those lovely parts of it in retirement\n\nChannel 1: Yeah.\n\nChannel 0: plus your living expenses in today's\n\nChannel 1: Well,\n\nChannel 0: dollars.\n\nChannel 1: I I I don't know, but I did I did do a little bit of Googling last week ahead of this conversation. But, you know, maybe, like because I was sort of going if we had I think one of my initial goals was to maybe have, you know, a million dollars in superannuation. You know,\n\nChannel 0: Mhmm.\n\nChannel 1: if that was if that was an achievable goal, would that be sufficient to live off? You know, if the Internet thinks, yes, maybe $80,000 a year for couple without kids,\n\nChannel 0: Yep.\n\nChannel 1: without dependents, or something like that.\n\nChannel 0: I can work with that. What we do is we don't necessarily look at what the balance is at retirement because that's going to vary amongst all sorts\n\nChannel 1: Sure.\n\nChannel 0: of different scenarios. But\n\nChannel 1: Sure.\n\nChannel 0: what what it what matters is is what we look at to model it out is age, proximity to retirement. So you you have age on your you have time on your side\n\nChannel 1: Mhmm.\n\nChannel 0: and your income needs. So what we do is work in reverse. So now we know a time frame and an estimated estimated income required. We can then work backwards to see if you are likely to meet those goals and then identify what needs to be done in order for you to achieve them. So for example, in five years' time, if you're debt free, you have all of a sudden significant surplus after you do a kitchen renovations and all those other sorts of goals that you wanna do.\n\nThere that might be when we say, look. At the moment, you're tracking towards generating\n\nChannel 1: Mhmm.\n\nChannel 0: 65,000 a year, for example. We need to do x y zed to get you up to 80. This is what we're recommending you do.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So\n\nChannel 1: And start to invest some of that more money that in my super rather than on the home.\n\nChannel 0: you still exactly. But\n\nChannel 1: Yeah.\n\nChannel 0: that but but that's the way timing wise, we would look at that. So right now, what you're doing paying down debt, you know, that's a great a great approach because you're getting rid of debt that isn't what we call bad debt. So it's not giving you an income. It's not it's not providing a tax deduction or anything like that.\n\nChannel 1: Sure.\n\nChannel 0: It's for your home. So that's definitely a great option. Whereas you looked at superannuation, you can't access it for another twelve years. The\n\nChannel 1: Yeah.\n\nChannel 0: money you're putting in there is locked away. So\n\nChannel 1: Yeah.\n\nChannel 0: the salary sacrifice and the SG you're doing at the moment, that's a great way to build your superannuation in a tax effective manner.\n\nChannel 1: Mhmm.\n\nChannel 0: But once you are debt free on the house, we would then look to what needs to be done then to reach that next big goal\n\nChannel 1: Sure.\n\nChannel 0: of being retirement, the next\n\nChannel 1: Yeah.\n\nChannel 0: life stage\n\nChannel 1: Yeah.\n\nChannel 0: goal.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So, I mean yeah. You're definitely on the right path. It's just we'll just keep monitoring it, touching base, all those sorts of things along\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Okay.\n\nChannel 0: way. With one question I do have though. With how old's Corinne?\n\nChannel 1: Same age. 48.\n\nChannel 0: Okay. Fantastic. It makes it ease. Not easy, but, you know, access to super wires, etcetera. You know, 80,000 between the the two of you.\n\nI don't know what her superannuation balance is like, but as\n\nChannel 1: No.\n\nChannel 0: you do\n\nChannel 1: More\n\nChannel 0: get closer\n\nChannel 1: be more\n\nChannel 0: to\n\nChannel 1: than mine.\n\nChannel 0: yeah. So at retire as you both get close to retirement, whether you wanna look at it as a couple plan, that's something for you and Corinne to have a discussion about. And we then we can look at you as a household where the income's gonna come from and the best drawdown rate, etcetera, as that\n\nChannel 1: Yeah.\n\nChannel 0: time comes.\n\nChannel 1: Yeah. Sure. Okay.\n\nChannel 0: Alright. So what I'm going to do do you have access to your emails at the moment?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah? I'm going to send you through a email. It's gonna come from Odoo Sign and myself,\n\nChannel 1: Yep.\n\nChannel 0: and it's gonna have the review pack included. So when you\n\nChannel 1: Mhmm.\n\nChannel 0: do open the email, there'll be an option for you to click the sign here or sign documents.\n\nChannel 1: Yep.\n\nChannel 0: Just click on that to open it up. You're not signing anything at the moment. We're just gonna talk through the review pack.\n\nChannel 1: I might just actually just grab my laptop if you don't mind. I'll just be one second just so I can look\n\nChannel 0: Yeah.\n\nChannel 1: at it\n\nChannel 0: Take\n\nChannel 1: on the screen.\n\nChannel 0: yeah. Take your time.\n\nChannel 1: Okay. One sec.\n\nChannel 0: Thank you.\n\nChannel 1: Alright. Sorry. I'm back.\n\nChannel 0: Yo. Thank you. So you just let\n\nChannel 1: Great.\n\nChannel 0: let me\n\nChannel 1: Yep.\n\nChannel 0: let me know\n\nChannel 1: Just\n\nChannel 0: when\n\nChannel 1: got\n\nChannel 0: you\n\nChannel 1: that\n\nChannel 0: got\n\nChannel 1: email\n\nChannel 0: it open?\n\nChannel 1: now. Yep.\n\nChannel 0: Lovely. Okay. And the\n\nChannel 1: Okay.\n\nChannel 0: first\n\nChannel 1: I'm\n\nChannel 0: page\n\nChannel 1: in the\n\nChannel 0: you\n\nChannel 1: document\n\nChannel 0: should,\n\nChannel 1: now.\n\nChannel 0: yeah, see is a summary of\n\nChannel 1: Yep.\n\nChannel 0: superannuation and insurance.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So you will note that you have your superannuation held within the HUB24 platform. The\n\nChannel 1: Mhmm.\n\nChannel 0: balance sits currently at $349,947 rounded up. And you have your insurance with Zurich. So your life and TPD is a some insured of a million 247\n\nChannel 1: Mhmm.\n\nChannel 0: thousand 920,\n\nChannel 1: Mhmm.\n\nChannel 0: and then your income protection covers you for $8,111 per month if you are unable to work due to injury or illness with a sixty day waiting period and a two year benefit period.\n\nChannel 1: Mhmm. Yep. Great.\n\nChannel 0: Those covers are funded from your superannuation fund with HUB24, so they're deducted from there.\n\nChannel 1: Mhmm. Yeah. Correct.\n\nChannel 0: With the with the insurance, are there is there anything you want to review there? Are you happy with the cover?\n\nChannel 1: Yeah. Yeah. I'm happy with all of that. There's nothing to review there.\n\nChannel 0: Yeah. And you're aware that there's a type of another type of policy called trauma insurance. Have you been\n\nChannel 1: Not\n\nChannel 0: talked\n\nChannel 1: too\n\nChannel 0: about\n\nChannel 1: sure about that.\n\nChannel 0: okay. I'll just give you a brief summary of what it does and what it what's the purpose of it is.\n\nChannel 1: Yep.\n\nChannel 0: So this this type of policy is paid through your personal cash flow, so it's not able to be funded through super.\n\nChannel 1: Yep.\n\nChannel 0: And what it provides is a lump sum payment if you are diagnosed with a claimable event. They range from different types of cancers, stroke, heart attack, neurological diseases, and it's kind of a stop gap between income protection and TPD and life as typically when you do claim on trauma, it's generally, in most cases, a non terminal situation. So\n\nChannel 1: Right.\n\nChannel 0: it it's something that you're likely to recover from typically and statistically, and you might just need some funds to help for\n\nChannel 1: Sure.\n\nChannel 0: out of pocket medical expenses. Or a good example is something that happens regularly if you suffer a heart attack that meets the criteria.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: You\n\nChannel 1: I\n\nChannel 0: know, you\n\nChannel 1: think\n\nChannel 0: might\n\nChannel 1: I'll\n\nChannel 0: be\n\nChannel 1: be yeah. I think we'll\n\nChannel 0: Yep.\n\nChannel 1: be right at this stage.\n\nChannel 0: Absolutely fine. Absolutely fine. No worries at all. The next document in the pack is\n\nChannel 1: Mhmm.\n\nChannel 0: your performance with hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: So what this report shows us is I'm missing a oh. It's just gone absolutely blank on me. So the first the first investment at the top there you'll see is the Van Al Long Australian Equities Fund.\n\nChannel 1: Mhmm.\n\nChannel 0: That fund has underperformed in the last twelve months as you'll see based on the report.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So what what has happened is essentially, it's the Australian share market itself hasn't performed badly in an overall sense in that twelve month period, but the investment mandate of Benelong and the the philosophy that they follow is to identify companies in the Australian share market that they believe\n\nChannel 1: Mhmm.\n\nChannel 0: are undervalued for growth opportunities. Now during the twelve months, it was the financial sector and the resource sector that really did the performance with Bennelong's mandate not not being fruitful. Now\n\nChannel 1: Right.\n\nChannel 0: we're not we're not reactive to underperformance where the market reacts to many different\n\nChannel 1: Yeah.\n\nChannel 0: events\n\nChannel 1: Sure.\n\nChannel 0: and situations. But when something becomes systemic or ongoing, that's when we do take action. So in that respect, as a company, we have made the decision to review the Bennelong Equities Australian Equities Fund for alternative for our clients, and that's\n\nChannel 1: Okay.\n\nChannel 0: something that I would like to look at for yourself.\n\nChannel 1: Mhmm.\n\nChannel 0: So if you're happy with that, that's something I'm gonna I'm gonna investigate a little bit.\n\nChannel 1: Yeah. Sure. I don't think the growth period overall, my super has performed as well over the last financial year as it did the year before.\n\nChannel 0: Exactly. Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So being a and you are a gross in what we term as a growth investor,\n\nChannel 1: Yep.\n\nChannel 0: you know, we would typically see one in every five years being a oh, sorry. One in every six years being a negative return,\n\nChannel 1: Yeah. Right.\n\nChannel 0: and we would expect that. But and this hasn't been negative. It just the the total return has been influenced by the Bennelong investment.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: So that's one of the reasons why not only one of the reasons, but there's a systemic ongoing option there that we need to review.\n\nChannel 1: Okay.\n\nChannel 0: The other there's one other I wanna review in the portfolio, and it's not due to underperformance or anything like that. It's the second one down, the beta bank hybrid ETF.\n\nChannel 1: Mhmm.\n\nChannel 0: The Australian bank system is phasing out the bank hybrids as an option from January 2027.\n\nChannel 1: Mhmm.\n\nChannel 0: What I want to do is take a little bit more of a proactive approach because I don't know nobody knows what they're gonna be replaced with, and I would like to be proactive in taking the opportunity now to review the holdings there to see if there's\n\nChannel 1: Okay.\n\nChannel 0: something more appropriate that we can replace it within the defensive sector, so being fixed interest type of investment just\n\nChannel 1: Yeah.\n\nChannel 0: just because, you know, it's I mean, the growth is negative, which we would we don't expect a lot of growth from your defensive type assets. But income wise, it's done its job sitting around the kind of return that you'd expect for a fixed interest type asset.\n\nChannel 1: Right.\n\nChannel 0: But, yeah, rather than waiting and seeing what happens, I'd like to be a little bit more proactive with that.\n\nChannel 1: Can you just explain to me really quickly when I look at what's the difference between the income in period? So, like, if\n\nChannel 0: Mhmm.\n\nChannel 1: I just took that if I took the next one down, the beta the beta global cyber ETF units,\n\nChannel 0: Mhmm.\n\nChannel 1: if the incoming period is nine nine one, the growth what's the difference between the income in the period and the growth in the period and then the total I could say the total earnings is a combination of the two of those, but, yeah, what's the difference between income in period and growth in period?\n\nChannel 0: That's a great question. Okay. So the income, if you think of it, two different elements. So the bank hybrid shares or ETF, sorry, that I mentioned above. If\n\nChannel 1: Mhmm.\n\nChannel 0: you think\n\nChannel 1: Yep.\n\nChannel 0: of that as kind of like a term deposit that only pays an interest component, it doesn't grow,\n\nChannel 1: Sure.\n\nChannel 0: but\n\nChannel 1: Yep.\n\nChannel 0: it pays an income. That's\n\nChannel 1: Yep.\n\nChannel 0: what if you think of it like that, that's what that\n\nChannel 1: Yeah.\n\nChannel 0: income is there. It's generally based on a a\n\nChannel 1: Okay.\n\nChannel 0: fixed rate. And you wouldn't typically see much gross with those types of holdings.\n\nChannel 1: Right.\n\nChannel 0: But the the one below that, the beta global cyber ETF, that's\n\nChannel 1: Mhmm.\n\nChannel 0: more of a gross option, and that's typically you'd see that holding would have some share exposure. So the income for something with a share exposure would be typically a dividend.\n\nChannel 1: Right. Okay.\n\nChannel 0: So there's an in so with a gross asset, there's typically two the same with defensive, but defensive is more income producing than anything. With with growth, it has a gross option and then an income producing option. So\n\nChannel 1: Right.\n\nChannel 0: the the income is the income distributed by the the fund manager, so beta shares, being all the dividends that were earned in the fund, etcetera, that have been directed to your holdings, so your your\n\nChannel 1: Mhmm.\n\nChannel 0: unit holdings.\n\nChannel 1: Okay. Yep.\n\nChannel 0: The growth is the market movement. So that, for example, is the value of it. So if I bought a one CBA share buy at $100 ten years ago, and today it's valued at $300, my growth is $200.\n\nChannel 1: Mhmm. Sure. So when I look at the total earnings then, if I look right down the bottom,\n\nChannel 0: Mhmm.\n\nChannel 1: That total earnings from $3.16 to $3.44 is how much my my super has actually brought in value. That's how much it's made. Are those earnings are they exclusive of the contributions I make or inclusive of the contributions I make?\n\nChannel 0: Let's have a look. Oh, sorry. Pressed the wrong button. Give me one second. Okay.\n\nSo the difference between the market value end period, which is the fourth column in, and the market value start period being the first column.\n\nChannel 1: Mhmm.\n\nChannel 0: The\n\nChannel 1: Yep.\n\nChannel 0: difference is $27,500 roughly.\n\nChannel 1: Yep.\n\nChannel 0: So the total earnings is 18.\n\nChannel 1: Yeah.\n\nChannel 0: So those that growth is net of your fees and contributions. So the difference would be your contributions because you'll see the buyers in period. So see the the second column\n\nChannel 1: Yep.\n\nChannel 0: being the buyers?\n\nChannel 1: Yep.\n\nChannel 0: That's essentially what your contributions have purchased, noting that some would also stay in cash to fund insurance\n\nChannel 1: Yeah.\n\nChannel 0: premiums,\n\nChannel 1: I see. Gotcha. Gotcha. Yep.\n\nChannel 0: fee, etcetera.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Does that make sense? Yes.\n\nChannel 1: Yeah. Yeah. I think so. Yeah.\n\nChannel 0: Yeah. Okay. The next document over is the 2026 Vanguard index chart. Now this is a great educational tool, and it works really well with your questions just before on the difference of income and growth. So\n\nChannel 1: Mhmm.\n\nChannel 0: I can this\n\nChannel 1: Mhmm.\n\nChannel 0: this tool really helps to visualize it. So down the right hand side of the column, you'll see US shares, estranged\n\nChannel 1: Yep.\n\nChannel 0: shares, international, and property.\n\nChannel 1: Mhmm.\n\nChannel 0: They're your gross assets. So as a growth in Vista, we would see approximately 80% of your superannuation balance invested across those four types of investments. And\n\nChannel 1: Right.\n\nChannel 0: as you will see, the on the those colors that match up with those assets,\n\nChannel 1: Mhmm.\n\nChannel 0: the volatility they experience.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So they're the one they're your gross producing assets. So if you wanna line it up, you can line it up with across the top of the page, there's some black ride smaller black riding, and they're\n\nChannel 1: Yep.\n\nChannel 0: world events,\n\nChannel 1: Yeah. I\n\nChannel 0: etcetera.\n\nChannel 1: gotcha. Yep.\n\nChannel 0: So you see the per the most common one is the GFC, which is back in o seven, o eight. Or\n\nChannel 1: Yeah.\n\nChannel 0: if even\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: if you look at COVID nineteen\n\nChannel 1: Yeah.\n\nChannel 0: where the market\n\nChannel 1: Yeah. I\n\nChannel 0: absolutely\n\nChannel 1: can see that.\n\nChannel 0: tanked yep.\n\nChannel 1: Yep.\n\nChannel 0: So being a growth investor means that you are comfortable and understand the volatility associated with those that those types of investments. So that's\n\nChannel 1: Yep.\n\nChannel 0: when it\n\nChannel 1: Yes.\n\nChannel 0: said it had growth the gross in period,\n\nChannel 1: Yep.\n\nChannel 0: that's what this refers to, the ups and downs, the fluctuations. The next two down being Australian bonds and cash, they're\n\nChannel 1: Yep.\n\nChannel 0: your defensive assets. So that's like the beta shares I mentioned,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: the\n\nChannel 1: Sure.\n\nChannel 0: the one that I wanna look at\n\nChannel 1: Yep.\n\nChannel 0: reviewing. You don't over the long term, yeah, you see a little bit of growth, but they basically produce income. So they're the defensive part of your portfolio to try and offset some of that when we're in\n\nChannel 1: Put\n\nChannel 0: a\n\nChannel 1: the\n\nChannel 0: down\n\nChannel 1: risk\n\nChannel 0: period.\n\nChannel 1: here.\n\nChannel 0: Yeah. You know, it's still producing some income because the markets, how they behave is generally when one sector is in a period of growth, another is performing strongly.\n\nChannel 1: Yeah. Right.\n\nChannel 0: So an example could be interest rates at the moment. Defensive assets could probably start producing a little bit more income due to the fact that, you know, we've got rising interest rates. But on the flip side, the property sector may feel the pinch of that because interest rates are then rising. So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: they're they're correlated in many different ways and they behave in opposite ways to depending on what's happening in the world.\n\nChannel 1: Yeah.\n\nChannel 0: So that's\n\nChannel 1: Okay.\n\nChannel 0: why diversification is really important in the portfolio. So\n\nChannel 1: Yep.\n\nChannel 0: with the growth type investor, what I just wanted to run through with you is to make sure it is something that you're comfortable with and you understand is that split of being eighty twenty.\n\nChannel 1: Mhmm.\n\nChannel 0: What we typically\n\nChannel 1: Mhmm.\n\nChannel 0: expect is a minimum suggested investment time frame of six years. So and that's to withstand those volatile periods.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Because\n\nChannel 0: if we\n\nChannel 1: I think\n\nChannel 0: think\n\nChannel 1: that's\n\nChannel 0: yeah.\n\nChannel 1: this is only about my third third maybe year. I think it\n\nChannel 0: Yeah.\n\nChannel 1: I can't remember if it was 2022 or 2023 when I signed up with\n\nChannel 0: Yeah.\n\nChannel 1: Oakview.\n\nChannel 0: Yep. Yep. So it's a it's not necessarily six years with Oakview. It's six years in that type of investment\n\nChannel 1: In that yeah. Yeah. That's right. And\n\nChannel 0: model.\n\nChannel 1: I think I've already seen because I think I signed up right before the Ukraine war, and\n\nChannel 0: Okay.\n\nChannel 1: that was\n\nChannel 0: Yep.\n\nChannel 1: yeah. And my my ZIP code took a, like, a $20 hit within a month of of signing up, and I was like, uh-uh. I made a huge mistake here. But it, you know, it didn't. It it obviously, it it rebounded as it as it does.\n\nAnd, you know, I think all the advice that I've been given is, you\n\nChannel 0: Yeah.\n\nChannel 1: know, if our income is steady at this point, we're worth it's worth, you know,\n\nChannel 0: Mhmm.\n\nChannel 1: risking a little bit more in that growth portfolio because ultimately, it's gonna benefit me in the long run to play it safe at this point. Probably not going to benefit me as much as it would to be on a growth portfolio, so I'm still comfortable.\n\nChannel 0: Fantastic. Yeah. And to to reiterate on that is you're twelve years away from being able to legally access your superannuation at this stage. So you do have time on your side to withstand that market\n\nChannel 1: Yeah.\n\nChannel 0: ups and downs.\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yep. Okay. Alright. That's lovely to confirm that. The next document is your certificate of currency for\n\nChannel 1: Yeah.\n\nChannel 0: your insurances. So we we spoke briefly about those before. These doc\n\nChannel 1: Yep.\n\nChannel 0: next two documents is a certificate of currency. It simply\n\nChannel 1: Mhmm.\n\nChannel 0: shows that your cover is in place,\n\nChannel 1: Yep.\n\nChannel 0: that it is paid from your superannuation fund, and the levels of cover as we talked about earlier.\n\nChannel 1: Yep. Yep. That's all good. I'll just\n\nChannel 0: Yep.\n\nChannel 1: click through those.\n\nChannel 0: The second last document is our financial services guide, and\n\nChannel 1: Yep.\n\nChannel 0: that is a document that you would have seen in the past, but it is\n\nChannel 1: Yep.\n\nChannel 0: an updated version. It tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the different types of advice we can provide and how we provide it, including\n\nChannel 1: Yep.\n\nChannel 0: a outline of our fee guide, and importantly, the complaints process. So shall you be dissatisfied or have a complaint, the process that you can follow to remediate that.\n\nChannel 1: Yeah. Oh, goodness.\n\nChannel 0: Lovely. And the last document is your ongoing fee arrangement. So it's basically your renewal in advice fee. So every single year, you receive a document like this\n\nChannel 1: Yep.\n\nChannel 0: that says what the fee will be for the next twelve months.\n\nChannel 1: Mhmm.\n\nChannel 0: What's what we've changed since probably the last twelve months since your last one is that it's no longer variable, so set at a percent based fee amount. It's calculated still on the same amount, the 1.65%, but it is then fixed for twelve months. So what that means is consistency for clients, key transparency, and the confirmation that it's not gonna fluctuate. So, for example,\n\nChannel 1: Sure.\n\nChannel 0: in a good market, there's, you know, the product market's performing well. You're up 10%. That does not necessarily mean our fee should rise 10%.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: it's fixed for the twelve months. So what it is is the annual fee is $5,629 and 86 divided by 12 deducted monthly from your hub twenty four account, which is\n\nChannel 1: Yeah.\n\nChannel 0: equates being $469.15 a month.\n\nChannel 1: Yeah. Great.\n\nChannel 0: And as always, same same process and options for advice available that cover that fee is your annual review. Should you have anything in the meantime or before you end your review, change of circumstances, the need to seek additional advice, we're available, and you you can just make contact with us and we'll meet with you for\n\nChannel 1: Yeah.\n\nChannel 0: whatever\n\nChannel 1: Okay.\n\nChannel 0: it is\n\nChannel 1: That'd\n\nChannel 0: that\n\nChannel 1: be\n\nChannel 0: you\n\nChannel 1: great.\n\nChannel 0: need.\n\nChannel 1: Yeah. That's great. I\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: that's\n\nChannel 1: guess\n\nChannel 0: what\n\nChannel 1: the only\n\nChannel 0: that\n\nChannel 1: thing\n\nChannel 0: covers.\n\nChannel 1: the only follow-up for me would be just to if you're able to I guess, will you let me know if you change those investments, those two options that you said that you were\n\nChannel 0: Yeah.\n\nChannel 1: looking at the\n\nChannel 0: Yep.\n\nChannel 1: because I I realized\n\nChannel 0: Yes.\n\nChannel 1: the the Ben Long one's not that that's obviously a much bigger decision. That's that's gonna obviously\n\nChannel 0: Mhmm.\n\nChannel 1: impact more than just me. But, yeah, will you just let me know if that happens, or will I just see that through the the transaction of like, when I see Hub 24 transactions being made?\n\nChannel 0: Okay. So what what the next steps from here will be is I'm going to go away and do a little bit of research\n\nChannel 1: Mhmm.\n\nChannel 0: as to appropriate alternatives. So to take into account what it is that you're wanting to achieve and make sure that any alternatives will still are still in your best interest.\n\nChannel 1: Okay.\n\nChannel 0: I am going to then, which I'll do now if you have time. I'm gonna book you in for some time in the next I'm just looking at weeks because it takes us about two weeks to get it all together.\n\nChannel 1: Yep.\n\nChannel 0: And we're gonna have another and I'm\n\nChannel 1: Yep.\n\nChannel 0: gonna present those recommendations to you for you to sign off on before anything has changed.\n\nChannel 1: Okay. Sure.\n\nChannel 0: So is it this time of day that works best for you being 03:00?\n\nChannel 1: A little bit later is is good for me,\n\nChannel 0: Yep.\n\nChannel 1: if possible, like, sort of 04:30 kind of guarantees me sort of being available. The only afternoon I'm not available from next week is Wednesday afternoon just so I have a rose alarm.\n\nChannel 0: Yeah. That's absolutely fine. Give me a second to navigate through my calendar because Daylight Saving starts as well shortly. So I just wanna make sure\n\nChannel 1: Yeah. That's\n\nChannel 0: my\n\nChannel 1: only a\n\nChannel 0: I pick\n\nChannel 1: seat as well, isn't\n\nChannel 0: I yeah. I just gotta make sure that I pick the right time slot. Okay. So let's have a look. If it we're looking at the week beginning the October 19 at this stage,\n\nChannel 1: it? Yeah.\n\nChannel 0: and you\n\nChannel 1: That looks\n\nChannel 0: said about\n\nChannel 1: good.\n\nChannel 0: four\n\nChannel 1: Yeah.\n\nChannel 0: thirty? I can do Thursday afternoon, the twenty second at 04:30 Queensland time.\n\nChannel 1: Full thirty claims, and I'm not sure. I'm gonna put my calendar right now.\n\nChannel 0: I was gonna say, would you like me to send you through a calendar invite?\n\nChannel 1: No. That's all good. I'm I'm\n\nChannel 0: No?\n\nChannel 1: I'm on my computer. I'm putting it right in so I don't forget.\n\nChannel 0: Alright. So I've got that the October 22 at 04:30 Queensland time. Lovely. Beautiful.\n\nChannel 1: Perfect. Great.\n\nChannel 0: Alright.\n\nChannel 1: Thanks, Jenna.\n\nChannel 0: Any any other questions before I\n\nChannel 1: No.\n\nChannel 0: before we jump\n\nChannel 1: No.\n\nChannel 0: off?\n\nChannel 1: I think I think that's it. That's all good.\n\nChannel 0: Fantastic. Alright. I will I look forward to speaking to you on the twenty second, and enjoy the rest of your afternoon.\n\nChannel 1: Perfect. Thanks very much for your time.\n\nChannel 0: Thank you. You too.\n\nChannel 1: Okay. Bye\n\nChannel 0: Bye.\n\nChannel 1: bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.96,"end":1.28,"sentiment":"neutral","sentiment_score":0.02005765214562416},{"text":"Brent speaking.","start":1.28,"end":2.1,"sentiment":"neutral","sentiment_score":0.014996908605098724}],"sentiment":"neutral","sentiment_score":0.016683823118607204,"channel":1,"num_words":3,"start":0.96,"end":2.1},{"sentences":[{"text":"Hi, Brad.","start":2.72,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.08946054428815842},{"text":"This is Jenna here phoning from Oakview Financial.","start":3.4399998,"end":6.16,"sentiment":"neutral","sentiment_score":0.11992557253688574},{"text":"How are you today?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.15714022144675255}],"sentiment":"neutral","sentiment_score":0.12620618247560092,"channel":0,"num_words":14,"start":2.72,"end":7.14},{"sentences":[{"text":"Well, thanks, Jenna.","start":7.2,"end":8.16,"sentiment":"positive","sentiment_score":0.33710559209187824},{"text":"How are you?","start":8.16,"end":8.9,"sentiment":"neutral","sentiment_score":0.2922350764274597}],"sentiment":"neutral","sentiment_score":0.314670334259669,"channel":1,"num_words":6,"start":7.2,"end":8.9},{"sentences":[{"text":"I'm well.","start":9.12,"end":9.76,"sentiment":"neutral","sentiment_score":0.2490747720003128},{"text":"Thank you.","start":9.76,"end":10.5,"sentiment":"positive","sentiment_score":0.43862423300743103},{"text":"Just before I go any further, I just need to let you know that","start":10.639999,"end":13.44,"sentiment":"neutral","sentiment_score":0.05737672692963055}],"sentiment":"neutral","sentiment_score":0.12103734372390641,"channel":0,"num_words":18,"start":9.12,"end":13.44},{"sentences":[{"text":"Sure.","start":13.265,"end":13.765,"sentiment":"neutral","sentiment_score":0.03521992638707161}],"sentiment":"neutral","sentiment_score":0.03521992638707161,"channel":1,"num_words":1,"start":13.265,"end":13.765},{"sentences":[{"text":"our calls are recorded for quality and coaching purposes.","start":13.44,"end":16.065,"sentiment":"neutral","sentiment_score":0.03491987205213971},{"text":"Is that okay?","start":16.065,"end":16.965,"sentiment":"neutral","sentiment_score":0.06394255657990773},{"text":"Fantastic.","start":18.545,"end":19.045,"sentiment":"positive","sentiment_score":0.4345170259475708},{"text":"Brad, can I please ask you to confirm your full name, date of birth, and address?","start":19.665,"end":24.085,"sentiment":"neutral","sentiment_score":0.0837957113981247}],"sentiment":"neutral","sentiment_score":0.07866741125953608,"channel":0,"num_words":29,"start":13.44,"end":24.085},{"sentences":[{"text":"Brad.","start":25.025002,"end":25.265,"sentiment":"neutral","sentiment_score":0.01636693812906742},{"text":"Markwell Jennings.","start":25.265,"end":26.325,"sentiment":"neutral","sentiment_score":0.012627435848116875},{"text":"06/21/1978.","start":26.385,"end":28.77,"sentiment":"neutral","sentiment_score":0.016362179070711136},{"text":"46 Highfield Street, Durack 4077.","start":28.85,"end":31.91,"sentiment":"neutral","sentiment_score":0.020158039405941963}],"sentiment":"neutral","sentiment_score":0.017641576213969126,"channel":1,"num_words":9,"start":25.025002,"end":31.91},{"sentences":[{"text":"Thank you for confirming that, Brad.","start":32.4,"end":34.420002,"sentiment":"neutral","sentiment_score":0.31567534307638806},{"text":"I'm phoning today to complete and go through your annual review.","start":35.36,"end":39.92,"sentiment":"neutral","sentiment_score":0.1697699955918572},{"text":"Do you still have time to do that?","start":39.92,"end":41.86,"sentiment":"neutral","sentiment_score":0.080499152187258}],"sentiment":"neutral","sentiment_score":0.17622060909867288,"channel":0,"num_words":25,"start":32.4,"end":41.86},{"sentences":[{"text":"Yep.","start":41.97,"end":42.37,"sentiment":"neutral","sentiment_score":0.06850050389766693},{"text":"Sure do.","start":42.37,"end":42.885,"sentiment":"neutral","sentiment_score":0.16667632013559341}],"sentiment":"neutral","sentiment_score":0.13395104805628458,"channel":1,"num_words":3,"start":41.97,"end":42.885},{"sentences":[{"text":"Lovely.","start":43.644997,"end":44.144997,"sentiment":"neutral","sentiment_score":0.3146400451660156},{"text":"Before we get to the crux of it, I guess, what I'd like to do is just check-in with you and see how everything's been going and has there been any significant financial or personal changes to your situation?","start":45.565,"end":61.5,"sentiment":"neutral","sentiment_score":0.02232608337623951}],"sentiment":"neutral","sentiment_score":0.02963393242098391,"channel":0,"num_words":40,"start":43.644997,"end":61.5},{"sentences":[{"text":"Yeah.","start":62.58,"end":63.08,"sentiment":"neutral","sentiment_score":-0.02170483209192753},{"text":"No.","start":63.54,"end":64.020004,"sentiment":"neutral","sentiment_score":-0.0971837192773819},{"text":"Not really.","start":64.020004,"end":64.76,"sentiment":"neutral","sentiment_score":-0.13098066300153732},{"text":"My wife and I, like, our income remains the same.","start":66.020004,"end":69.08,"sentiment":"neutral","sentiment_score":-0.16761983633041383},{"text":"We're both teachers, so we've only just had a a slight pay increase with the the arbitration process that's going on with Education Queensland at the moment.","start":70.415,"end":80.595,"sentiment":"neutral","sentiment_score":-0.14210538759275718}],"sentiment":"neutral","sentiment_score":-0.14375350501660894,"channel":1,"num_words":41,"start":62.58,"end":80.595},{"sentences":[{"text":"So that pay rises only just kinda comes through in our last pay slip.","start":80.975,"end":83.93,"sentiment":"neutral","sentiment_score":-0.12185201261724744},{"text":"But other than that, no no real change.","start":83.93,"end":87.310005,"sentiment":"neutral","sentiment_score":-0.1625943575054407},{"text":"You know, our employment's both sort of fairly consistent.","start":88.490005,"end":91.79,"sentiment":"neutral","sentiment_score":-0.06587941240933207},{"text":"And our main goal at this point, because we're we sort of feel that we're within five years of paying off the house, so our goal is firmly fixed on that at the moment.","start":93.53001,"end":105.965,"sentiment":"neutral","sentiment_score":-0.01782089373206391}],"sentiment":"neutral","sentiment_score":-0.0647001251578331,"channel":1,"num_words":65,"start":80.975,"end":105.965},{"sentences":[{"text":"Yep.","start":106.595,"end":107.075,"sentiment":"neutral","sentiment_score":0.1499390006065369},{"text":"That's absolutely great.","start":107.075,"end":108.615,"sentiment":"positive","sentiment_score":0.44989466667175293},{"text":"That's a fantastic goal.","start":108.82001,"end":110.520004,"sentiment":"positive","sentiment_score":0.5838241726160049},{"text":"How good would that feel in five years?","start":110.9,"end":112.840004,"sentiment":"neutral","sentiment_score":0.2131382506340742}],"sentiment":"positive","sentiment_score":0.34625160600990057,"channel":0,"num_words":16,"start":106.595,"end":112.840004},{"sentences":[{"text":"Yeah.","start":113.44,"end":113.68,"sentiment":"neutral","sentiment_score":-0.007988568395376205},{"text":"I 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to.","start":131.035,"end":140.735,"sentiment":"neutral","sentiment_score":-0.07127532945611538}],"sentiment":"neutral","sentiment_score":-0.08951681638136506,"channel":1,"num_words":80,"start":113.44,"end":140.735},{"sentences":[{"text":"Yeah.","start":142.08,"end":142.40001,"sentiment":"neutral","sentiment_score":0.2729777693748474},{"text":"Oh, that's that's fantastic.","start":142.40001,"end":143.7,"sentiment":"positive","sentiment_score":0.742297500371933},{"text":"That's a great approach.","start":143.92,"end":144.90001,"sentiment":"positive","sentiment_score":0.8275554031133652},{"text":"Well done to you both.","start":145.44,"end":146.74,"sentiment":"positive","sentiment_score":0.5584715604782104},{"text":"Speaking of the debt, we had it listed at 300 and 2,000 last 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fantastic.","start":156.82501,"end":157.565,"sentiment":"positive","sentiment_score":0.541841447353363},{"text":"No.","start":159.785,"end":159.945,"sentiment":"neutral","sentiment_score":0.1872619390487671},{"text":"That's great.","start":159.945,"end":160.765,"sentiment":"neutral","sentiment_score":0.32760193943977356},{"text":"Anything else that you can think 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no.","start":165.065,"end":166.105,"sentiment":"neutral","sentiment_score":-0.025314077734947205}],"sentiment":"neutral","sentiment_score":-0.025314077734947205,"channel":1,"num_words":2,"start":165.065,"end":166.105},{"sentences":[{"text":"that?","start":166.0,"end":166.16,"sentiment":"neutral","sentiment_score":-0.01356117893010378}],"sentiment":"neutral","sentiment_score":-0.01356117893010378,"channel":0,"num_words":1,"start":166.0,"end":166.16},{"sentences":[{"text":"Not","start":166.105,"end":166.265,"sentiment":"neutral","sentiment_score":-0.01414234470576048}],"sentiment":"neutral","sentiment_score":-0.01414234470576048,"channel":1,"num_words":1,"start":166.105,"end":166.265},{"sentences":[{"text":"Yeah.","start":166.16,"end":166.66,"sentiment":"neutral","sentiment_score":0.005146687384694815}],"sentiment":"neutral","sentiment_score":0.005146687384694815,"channel":0,"num_words":1,"start":166.16,"end":166.66},{"sentences":[{"text":"really.","start":166.265,"end":166.58499,"sentiment":"neutral","sentiment_score":-0.0006487853825092316},{"text":"I think I I I don't remember when because like, my my we own both our vehicles now.","start":166.58499,"end":173.03,"sentiment":"neutral","sentiment_score":-0.008987970184534788},{"text":"I think my Audi, I can't remember when I had my last review if that was paid off, but that's paid off now.","start":173.03,"end":178.89,"sentiment":"neutral","sentiment_score":0.012512005420158739}],"sentiment":"neutral","sentiment_score":0.002984377999036085,"channel":1,"num_words":42,"start":166.265,"end":178.89},{"sentences":[{"text":"Yep.","start":179.695,"end":180.195,"sentiment":"neutral","sentiment_score":0.042807262390851974}],"sentiment":"neutral","sentiment_score":0.042807262390851974,"channel":0,"num_words":1,"start":179.695,"end":180.195},{"sentences":[{"text":"And and I bought a motorbike, but I think I might have mentioned that last time.","start":179.99,"end":183.615,"sentiment":"neutral","sentiment_score":0.018326898862142116},{"text":"So that that might","start":184.095,"end":184.735,"sentiment":"neutral","sentiment_score":0.008591048186644912}],"sentiment":"neutral","sentiment_score":0.016379728727042676,"channel":1,"num_words":20,"start":179.99,"end":184.735},{"sentences":[{"text":"Yeah.","start":184.655,"end":185.155,"sentiment":"neutral","sentiment_score":0.020210951566696167}],"sentiment":"neutral","sentiment_score":0.020210951566696167,"channel":0,"num_words":1,"start":184.655,"end":185.155},{"sentences":[{"text":"have been a damn, there's another asset.","start":184.735,"end":186.43501,"sentiment":"neutral","sentiment_score":0.020091437601617405}],"sentiment":"neutral","sentiment_score":0.020091437601617405,"channel":1,"num_words":7,"start":184.735,"end":186.43501},{"sentences":[{"text":"Yeah.","start":187.2,"end":187.7,"sentiment":"neutral","sentiment_score":0.02262303978204727},{"text":"K l r $6.50?","start":187.92,"end":189.78,"sentiment":"neutral","sentiment_score":0.014746853383257985}],"sentiment":"neutral","sentiment_score":0.01632209066301584,"channel":0,"num_words":5,"start":187.2,"end":189.78},{"sentences":[{"text":"Yeah.","start":189.85501,"end":190.175,"sentiment":"neutral","sentiment_score":0.036309756338596344},{"text":"That's it.","start":190.175,"end":190.655,"sentiment":"neutral","sentiment_score":0.04731465131044388},{"text":"But other other than that, no no other real sort of changes in our financial situation, which is good.","start":190.655,"end":195.55501,"sentiment":"neutral","sentiment_score":0.10070466936418884}],"sentiment":"neutral","sentiment_score":0.09292398985813964,"channel":1,"num_words":22,"start":189.85501,"end":195.55501},{"sentences":[{"text":"Okay.","start":195.12,"end":195.62,"sentiment":"neutral","sentiment_score":0.27833837270736694},{"text":"That is fantastic.","start":196.24,"end":197.22,"sentiment":"positive","sentiment_score":0.527004619439443},{"text":"And you we've got cash noted here with about 30,000.","start":197.28,"end":200.8,"sentiment":"neutral","sentiment_score":0.10684366524219513},{"text":"Would that","start":200.8,"end":201.255,"sentiment":"neutral","sentiment_score":0.0629393607378006}],"sentiment":"neutral","sentiment_score":0.19085422530770302,"channel":0,"num_words":16,"start":195.12,"end":201.255},{"sentences":[{"text":"Maybe 40.","start":203.23001,"end":204.21,"sentiment":"neutral","sentiment_score":0.05494299530982971}],"sentiment":"neutral","sentiment_score":0.05494299530982971,"channel":1,"num_words":2,"start":203.23001,"end":204.21},{"sentences":[{"text":"still be right?","start":203.895,"end":204.85501,"sentiment":"neutral","sentiment_score":0.041129183024168015},{"text":"40?","start":204.85501,"end":205.35501,"sentiment":"neutral","sentiment_score":0.02922256663441658},{"text":"Okay.","start":207.41501,"end":207.91501,"sentiment":"neutral","sentiment_score":0.04295510798692703},{"text":"And you said you you mentioned your wage is pretty much the same.","start":208.695,"end":212.71501,"sentiment":"neutral","sentiment_score":0.043782551701252274},{"text":"We have a 125 noted.","start":213.015,"end":215.335,"sentiment":"neutral","sentiment_score":0.063682159781456}],"sentiment":"neutral","sentiment_score":0.047093443248582924,"channel":0,"num_words":23,"start":203.895,"end":215.335},{"sentences":[{"text":"Is that is that 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alarm.","start":2507.2349,"end":2512.775,"sentiment":"neutral","sentiment_score":-0.0940899278380369}],"sentiment":"neutral","sentiment_score":-0.004383418031714179,"channel":1,"num_words":33,"start":2499.03,"end":2512.775},{"sentences":[{"text":"Yeah.","start":2513.575,"end":2513.815,"sentiment":"neutral","sentiment_score":0.2025148570537567},{"text":"That's absolutely fine.","start":2513.815,"end":2515.195,"sentiment":"positive","sentiment_score":0.3997422258059184},{"text":"Give me a second to navigate through my calendar because Daylight Saving starts as well shortly.","start":2515.415,"end":2525.0151,"sentiment":"neutral","sentiment_score":0.2452026829123497},{"text":"So I just wanna make 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a","start":2528.4502,"end":2528.955,"sentiment":"neutral","sentiment_score":0.11227753758430481}],"sentiment":"neutral","sentiment_score":0.11227753758430481,"channel":1,"num_words":2,"start":2528.4502,"end":2528.955},{"sentences":[{"text":"I pick","start":2528.7751,"end":2529.39,"sentiment":"neutral","sentiment_score":0.1237439215183258}],"sentiment":"neutral","sentiment_score":0.1237439215183258,"channel":0,"num_words":2,"start":2528.7751,"end":2529.39},{"sentences":[{"text":"seat as well, isn't","start":2529.0352,"end":2530.095,"sentiment":"neutral","sentiment_score":0.12850575894117355}],"sentiment":"neutral","sentiment_score":0.12850575894117355,"channel":1,"num_words":4,"start":2529.0352,"end":2530.095},{"sentences":[{"text":"I yeah.","start":2529.63,"end":2531.5498,"sentiment":"neutral","sentiment_score":0.10340109467506409},{"text":"I just gotta make sure that I pick the right time slot.","start":2531.5498,"end":2534.0498,"sentiment":"neutral","sentiment_score":0.1507644367714723},{"text":"Okay.","start":2534.8298,"end":2535.3098,"sentiment":"neutral","sentiment_score":0.07714741677045822},{"text":"So let's have a look.","start":2535.3098,"end":2536.43,"sentiment":"neutral","sentiment_score":0.07271114438772201},{"text":"If it we're looking at the week beginning the October 19 at this stage,","start":2536.43,"end":2540.8499,"sentiment":"neutral","sentiment_score":0.054098007934434075}],"sentiment":"neutral","sentiment_score":0.09453090236467473,"channel":0,"num_words":34,"start":2529.63,"end":2540.8499},{"sentences":[{"text":"it?","start":2540.875,"end":2541.0352,"sentiment":"neutral","sentiment_score":0.06598527729511261},{"text":"Yeah.","start":2541.0352,"end":2541.435,"sentiment":"neutral","sentiment_score":0.11509911715984344}],"sentiment":"neutral","sentiment_score":0.09054219722747803,"channel":1,"num_words":2,"start":2540.875,"end":2541.435},{"sentences":[{"text":"and you","start":2541.23,"end":2541.5498,"sentiment":"neutral","sentiment_score":0.0958733856678009}],"sentiment":"neutral","sentiment_score":0.0958733856678009,"channel":0,"num_words":2,"start":2541.23,"end":2541.5498},{"sentences":[{"text":"That 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about","start":2541.5498,"end":2542.3699,"sentiment":"neutral","sentiment_score":0.25714923441410065}],"sentiment":"neutral","sentiment_score":0.25714923441410065,"channel":0,"num_words":2,"start":2541.5498,"end":2542.3699},{"sentences":[{"text":"good.","start":2541.93,"end":2542.43,"sentiment":"neutral","sentiment_score":0.20095157623291016}],"sentiment":"neutral","sentiment_score":0.20095157623291016,"channel":1,"num_words":1,"start":2541.93,"end":2542.43},{"sentences":[{"text":"four","start":2543.085,"end":2543.585,"sentiment":"neutral","sentiment_score":0.043886449187994}],"sentiment":"neutral","sentiment_score":0.043886449187994,"channel":0,"num_words":1,"start":2543.085,"end":2543.585},{"sentences":[{"text":"Yeah.","start":2544.5698,"end":2545.0698,"sentiment":"neutral","sentiment_score":0.04831315577030182}],"sentiment":"neutral","sentiment_score":0.04831315577030182,"channel":1,"num_words":1,"start":2544.5698,"end":2545.0698},{"sentences":[{"text":"thirty?","start":2545.565,"end":2546.065,"sentiment":"neutral","sentiment_score":0.040094323456287384},{"text":"I can do Thursday afternoon, the twenty second at 04:30 Queensland time.","start":2546.285,"end":2553.585,"sentiment":"neutral","sentiment_score":0.064298284240067}],"sentiment":"neutral","sentiment_score":0.06243644110285319,"channel":0,"num_words":13,"start":2545.565,"end":2553.585},{"sentences":[{"text":"Full thirty claims, and I'm not sure.","start":2554.25,"end":2555.69,"sentiment":"neutral","sentiment_score":-0.05379584963832583},{"text":"I'm gonna put my calendar right now.","start":2555.69,"end":2557.545,"sentiment":"neutral","sentiment_score":-0.0003749669662543705}],"sentiment":"neutral","sentiment_score":-0.027085408302290098,"channel":1,"num_words":14,"start":2554.25,"end":2557.545},{"sentences":[{"text":"I was gonna say, would you like me to send you through a calendar invite?","start":2557.7249,"end":2561.01,"sentiment":"neutral","sentiment_score":0.02088798632224401}],"sentiment":"neutral","sentiment_score":0.02088798632224401,"channel":0,"num_words":15,"start":2557.7249,"end":2561.01},{"sentences":[{"text":"No.","start":2561.4648,"end":2561.625,"sentiment":"neutral","sentiment_score":-0.11316175758838654},{"text":"That's all good.","start":2561.625,"end":2562.265,"sentiment":"neutral","sentiment_score":0.10906609892845154},{"text":"I'm I'm","start":2562.265,"end":2562.825,"sentiment":"neutral","sentiment_score":0.04718359373509884}],"sentiment":"neutral","sentiment_score":0.05140062111119429,"channel":1,"num_words":6,"start":2561.4648,"end":2562.825},{"sentences":[{"text":"No?","start":2562.5898,"end":2563.0898,"sentiment":"neutral","sentiment_score":-0.03136438876390457}],"sentiment":"neutral","sentiment_score":-0.03136438876390457,"channel":0,"num_words":1,"start":2562.5898,"end":2563.0898},{"sentences":[{"text":"I'm on my computer.","start":2562.825,"end":2563.625,"sentiment":"neutral","sentiment_score":0.024610417196527123},{"text":"I'm putting it right in so I don't forget.","start":2563.625,"end":2565.645,"sentiment":"neutral","sentiment_score":0.08446939196437597}],"sentiment":"neutral","sentiment_score":0.06605124588196094,"channel":1,"num_words":13,"start":2562.825,"end":2565.645},{"sentences":[{"text":"Alright.","start":2566.43,"end":2566.91,"sentiment":"neutral","sentiment_score":0.08670573681592941},{"text":"So I've got that the October 22 at 04:30 Queensland 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Jenna.","start":2578.12,"end":2578.94,"sentiment":"positive","sentiment_score":0.7136057019233704}],"sentiment":"positive","sentiment_score":0.7136057019233704,"channel":1,"num_words":2,"start":2578.12,"end":2578.94},{"sentences":[{"text":"Any any other questions before I","start":2578.755,"end":2583.255,"sentiment":"neutral","sentiment_score":0.10747447237372398}],"sentiment":"neutral","sentiment_score":0.10747447237372398,"channel":0,"num_words":6,"start":2578.755,"end":2583.255},{"sentences":[{"text":"No.","start":2583.1602,"end":2583.6602,"sentiment":"neutral","sentiment_score":-0.008534714579582214}],"sentiment":"neutral","sentiment_score":-0.008534714579582214,"channel":1,"num_words":1,"start":2583.1602,"end":2583.6602},{"sentences":[{"text":"before we jump","start":2583.95,"end":2584.75,"sentiment":"neutral","sentiment_score":0.05078493058681488}],"sentiment":"neutral","sentiment_score":0.05078493058681488,"channel":0,"num_words":3,"start":2583.95,"end":2584.75},{"sentences":[{"text":"No.","start":2584.6,"end":2584.76,"sentiment":"neutral","sentiment_score":-0.04211964085698128}],"sentiment":"neutral","sentiment_score":-0.04211964085698128,"channel":1,"num_words":1,"start":2584.6,"end":2584.76},{"sentences":[{"text":"off?","start":2584.75,"end":2585.25,"sentiment":"neutral","sentiment_score":0.01067042164504528}],"sentiment":"neutral","sentiment_score":0.01067042164504528,"channel":0,"num_words":1,"start":2584.75,"end":2585.25},{"sentences":[{"text":"I think I think that's it.","start":2584.76,"end":2586.1448,"sentiment":"neutral","sentiment_score":0.21633226921161017},{"text":"That's all good.","start":2586.1448,"end":2587.045,"sentiment":"positive","sentiment_score":0.6737208565076193}],"sentiment":"positive","sentiment_score":0.36879513164361316,"channel":1,"num_words":9,"start":2584.76,"end":2587.045},{"sentences":[{"text":"Fantastic.","start":2588.19,"end":2588.69,"sentiment":"positive","sentiment_score":0.7902585864067078},{"text":"Alright.","start":2588.91,"end":2589.41,"sentiment":"positive","sentiment_score":0.6096775531768799},{"text":"I will I look forward to speaking to you on the twenty second, and enjoy the rest of your afternoon.","start":2589.63,"end":2594.6099,"sentiment":"positive","sentiment_score":0.726114809513092}],"sentiment":"positive","sentiment_score":0.7237378331747922,"channel":0,"num_words":22,"start":2588.19,"end":2594.6099},{"sentences":[{"text":"Perfect.","start":2594.785,"end":2595.1848,"sentiment":"positive","sentiment_score":0.783258318901062},{"text":"Thanks very much for your time.","start":2595.1848,"end":2596.407,"sentiment":"positive","sentiment_score":0.8550419310728709}],"sentiment":"positive","sentiment_score":0.8447871293340411,"channel":1,"num_words":7,"start":2594.785,"end":2596.407},{"sentences":[{"text":"Thank you.","start":2596.99,"end":2597.5498,"sentiment":"positive","sentiment_score":0.7546353042125702},{"text":"You too.","start":2597.5498,"end":2598.2898,"sentiment":"positive","sentiment_score":0.44054220616817474}],"sentiment":"positive","sentiment_score":0.5975887551903725,"channel":0,"num_words":4,"start":2596.99,"end":2598.2898},{"sentences":[{"text":"Okay.","start":2598.167,"end":2598.647,"sentiment":"neutral","sentiment_score":0.2443421483039856},{"text":"Bye","start":2598.647,"end":2598.967,"sentiment":"neutral","sentiment_score":0.1697145253419876}],"sentiment":"neutral","sentiment_score":0.2070283368229866,"channel":1,"num_words":2,"start":2598.167,"end":2598.967},{"sentences":[{"text":"Bye.","start":2598.707,"end":2599.207,"sentiment":"neutral","sentiment_score":0.18763291835784912}],"sentiment":"neutral","sentiment_score":0.18763291835784912,"channel":0,"num_words":1,"start":2598.707,"end":2599.207},{"sentences":[{"text":"bye.","start":2598.967,"end":2599.467,"sentiment":"neutral","sentiment_score":-0.1011081412434578}],"sentiment":"neutral","sentiment_score":-0.1011081412434578,"channel":1,"num_words":1,"start":2598.967,"end":2599.467}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with customers to complete annual reviews and check-in, discussing their personal information, retirement plans, savings account contributions, and retirement goals. They provide information on employer contributions and savings, including contributions to savings accounts for kids and retirement goals for the theater space. The speakers emphasize the importance of staying debt-free and using retirement age and income to determine financial goals. They also discuss the benefits of working towards retirement goals and the importance of diversification in the portfolio. The speaker provides information on the investment process, including maximum suggested investment time frames and the need for stable income. They also provide details on the financial services guide and schedule a meeting for a meeting."},"intents":{"segments":[{"text":"Before we get to the crux of it, I guess, what I'd like to do is just check-in with you and see how everything's been going and has there been any significant financial or personal changes to your situation? Yeah.","start_word":109,"end_word":148,"intents":[{"intent":"Discuss financial matters","confidence_score":0.000267593}]},{"text":"Well, we've basically, we've been putting away since we refinanced and bought this house, which was eight years ago. You know, it's doubled in value, and and we've just been putting, like, extra repayments on the whole time.","start_word":273,"end_word":310,"intents":[{"intent":"Resolve balance","confidence_score":6.4576864e-7}]},{"text":"And Her then phone not I've awake. got that's a $4.09. Yep. And then I've got tax coming out of that, and then I've also got my I think I think I this code is n g s u p e m p dash post, and that's $2.50. My understanding is that's my a a small additional salary sacrifice contribution I signed up for. Yeah.","start_word":695,"end_word":759,"intents":[{"intent":"Understand total cost","confidence_score":0.0000040687005}]},{"text":"And then I've got tax coming out of that, and then I've also got my I think I think I this code is n g s u p e m p dash post, and that's $2.50.","start_word":706,"end_word":741,"intents":[{"intent":"Confirm code","confidence_score":0.040393118},{"intent":"Explain coding","confidence_score":0.000022400103}]},{"text":"Now we had here savings wise that you were saving $3.50 a fortnight, and that was for holidays and $50 a week for kids. Is that right? Yeah.","start_word":977,"end_word":1004,"intents":[{"intent":"Discuss savings","confidence_score":0.018210376}]},{"text":"what are their names? Olive and maple.","start_word":1242,"end_word":1248,"intents":[{"intent":"Clarify information","confidence_score":0.0008448323}]},{"text":"I I think my my wife is also a teacher because she's on a she's been with Education Queensland since she started teaching, and she's on a defined benefit. So her goal is very much to remain in her current employment Mhmm.","start_word":1715,"end_word":1756,"intents":[{"intent":"Remain in current employment","confidence_score":0.03559407},{"intent":"Maintain teaching and earning income","confidence_score":0.008649709}]},{"text":"Because the the main the biggest goal for us is obviously to pay off our loan because, you know, at the moment, we're paying something like we pay around about 55 or $57,000 a year on our loan repayment. So it's a huge amount of money, obviously, going out Yeah.","start_word":1866,"end_word":1915,"intents":[{"intent":"Pay off loan","confidence_score":0.83084714}]},{"text":"plus your living expenses in today's Well, dollars.","start_word":2056,"end_word":2063,"intents":[{"intent":"Maintain living expenses","confidence_score":0.12241156}]},{"text":"if that was if that was an achievable goal, would that be sufficient to live off? You know, if the Internet thinks, yes, maybe $80,000 a year for couple without kids, Yep. without dependents, or something like that. I can work with that.","start_word":2121,"end_word":2163,"intents":[{"intent":"Recommend approaching retirement goal","confidence_score":0.000013456972},{"intent":"Discuss choosing a more suitable lifestyle","confidence_score":6.2259424e-9}]},{"text":"what what it what matters is is what we look at to model it out is age, proximity to retirement. So you you have age on your you have time on your side Mhmm. and your income needs.","start_word":2193,"end_word":2230,"intents":[{"intent":"Discuss defining retirement age and income needs","confidence_score":0.0000026789169}]},{"text":"This is what we're recommending you do. Yeah.","start_word":2352,"end_word":2359,"intents":[{"intent":"Recommend going to superannuation","confidence_score":0.012406719},{"intent":"Recommend combining debt and income","confidence_score":0.00038850878}]},{"text":"So And start to invest some of that more money that in my super rather than on the home. you still exactly.","start_word":2361,"end_word":2382,"intents":[{"intent":"Recommend spending money on super","confidence_score":0.0007807501}]},{"text":"So right now, what you're doing paying down debt, you know, that's a great a great approach because you're getting rid of debt that isn't what we call bad debt. So it's not giving you an income.","start_word":2398,"end_word":2434,"intents":[{"intent":"Highlight benefits of avoiding bad debt","confidence_score":0.0000013922171}]},{"text":"Whereas you looked at superannuation, you can't access it for another twelve years. The Yeah.","start_word":2458,"end_word":2472,"intents":[{"intent":"Analyze superannuation budget","confidence_score":0.0003715955}]},{"text":"With the with the insurance, are there is there anything you want to review there? Are you happy with the cover? Yeah.","start_word":2985,"end_word":3006,"intents":[{"intent":"Review insurance coverage","confidence_score":0.25381437}]},{"text":"So the first the first investment at the top there you'll see is the Van Al Long Australian Equities Fund. Mhmm.","start_word":3261,"end_word":3281,"intents":[{"intent":"Evaluate investment options","confidence_score":0.04555544}]},{"text":"So if you're happy with that, that's something I'm gonna I'm gonna investigate a little bit. Yeah. Sure.","start_word":3456,"end_word":3473,"intents":[{"intent":"Review investments","confidence_score":0.0016560666}]},{"text":"I don't think the growth period overall, my super has performed as well over the last financial year as it did the year before. Exactly.","start_word":3473,"end_word":3497,"intents":[{"intent":"Evaluate performance","confidence_score":0.014658998}]},{"text":"So being a and you are a gross in what we term as a growth investor, Yep. you know, we would typically see one in every five years being a oh, sorry. One in every six years being a negative return, Yeah. Right. and we would expect that. But and this hasn't been negative. It just the the total return has been influenced by the Bennelong investment. Yeah. Sure.","start_word":3501,"end_word":3569,"intents":[{"intent":"Evaluate impact of bounce investment","confidence_score":0.00003822423}]},{"text":"So that's one of the reasons why not only one of the reasons, but there's a systemic ongoing option there that we need to review. Okay.","start_word":3570,"end_word":3595,"intents":[{"intent":"Evaluate systemic options","confidence_score":0.004115788}]},{"text":"The other there's one other I wanna review in the portfolio, and it's not due to underperformance or anything like that. It's the second one down, the beta bank hybrid ETF. Mhmm.","start_word":3596,"end_word":3627,"intents":[{"intent":"Review portfolio","confidence_score":0.33692247}]},{"text":"What I want to do is take a little bit more of a proactive approach because I don't know nobody knows what they're gonna be replaced with, and I would like to be proactive in taking the opportunity now to review the holdings there to see if there's Okay.","start_word":3645,"end_word":3693,"intents":[{"intent":"Review holdings","confidence_score":0.57818556}]},{"text":"Can you just explain to me really quickly when I look at what's the difference between the income in period?","start_word":3784,"end_word":3803,"intents":[{"intent":"Evaluate income difference","confidence_score":0.03972069}]},{"text":"I just took that if I took the next one down, the beta the beta global cyber ETF units, Mhmm.","start_word":3809,"end_word":3828,"intents":[{"intent":"Describe etf units","confidence_score":0.006290729}]},{"text":"16 to $3.44 is how much my my super has actually brought in value.","start_word":4171,"end_word":4184,"intents":[{"intent":"Explaining total earnings","confidence_score":0.012188985}]},{"text":"16 to $3.44 is how much my my super has actually brought in value. That's how much it's made. Are those earnings are they exclusive of the contributions I make or inclusive of the contributions I make?","start_word":4171,"end_word":4207,"intents":[{"intent":"Explaining percentage of earnings","confidence_score":0.000219028}]},{"text":"Are those earnings are they exclusive of the contributions I make or inclusive of the contributions I make?","start_word":4189,"end_word":4206,"intents":[{"intent":"Describeing percentage of contributions","confidence_score":0.00010062978}]},{"text":"So the difference between the market value end period, which is the fourth column in, and the market value start period being the first column. Mhmm.","start_word":4222,"end_word":4247,"intents":[{"intent":"Explaining difference between market value end and start period","confidence_score":0.0008612848},{"intent":"Explaining income difference","confidence_score":0.0025803556}]},{"text":"So the difference between the market value end period, which is the fourth column in, and the market value start period being the first column. Mhmm. The Yep. difference is $27,500 roughly. Yep.","start_word":4222,"end_word":4254,"intents":[{"intent":"Discussing the difference between growth and yep","confidence_score":2.7769135e-8}]},{"text":"The next document over is the 2026 Vanguard index chart. Now this is a great educational tool, and it works really well with your questions just before on the difference of income and growth. So Mhmm.","start_word":4342,"end_word":4377,"intents":[{"intent":"Explaining the tool","confidence_score":0.036847588}]},{"text":"Now this is a great educational tool, and it works really well with your questions just before on the difference of income and growth. So Mhmm.","start_word":4352,"end_word":4377,"intents":[{"intent":"Providing an educational tool","confidence_score":0.0003312582}]},{"text":"They're your gross assets. So as a growth in Vista, we would see approximately 80% of your superannuation balance invested across those four types of investments. And Right.","start_word":4409,"end_word":4436,"intents":[{"intent":"Identifying investment types","confidence_score":0.0051082624},{"intent":"Identifying the vexed assets","confidence_score":0.000055950946}]},{"text":"why diversification is really important in the portfolio. So Yep.","start_word":4790,"end_word":4799,"intents":[{"intent":"Evaluate portfolio diversification","confidence_score":0.18695149}]},{"text":"And to to reiterate on that is you're twelve years away from being able to legally access your superannuation at this stage. So you do have time on your side to withstand that market Yeah.","start_word":5074,"end_word":5108,"intents":[{"intent":"Reiterate information","confidence_score":0.015291311}]},{"text":"The next document is your certificate of currency for Yeah. your insurances.","start_word":5122,"end_word":5133,"intents":[{"intent":"Confirm document details","confidence_score":0.0033742376}]},{"text":"The second last document is our financial services guide, and Yep.","start_word":5193,"end_word":5203,"intents":[{"intent":"Obtain financial services guide","confidence_score":0.0008853386},{"intent":"Recognize financial services guide","confidence_score":0.00001783604}]},{"text":"And the last document is your ongoing fee arrangement. So it's basically your renewal in advice fee. So every single year, you receive a document like this Yep. that says what the fee will be for the next twelve months. Mhmm.","start_word":5290,"end_word":5330,"intents":[{"intent":"Update fee arrangement","confidence_score":0.046581782}]},{"text":"So what what the next steps from here will be is I'm going to go away and do a little bit of research Mhmm. as to appropriate alternatives. So to take into account what it is that you're wanting to achieve and make sure that any alternatives will still are still in your best interest. Okay.","start_word":5647,"end_word":5702,"intents":[{"intent":"Plan next steps","confidence_score":0.0008921299}]},{"text":"And we're gonna have another and I'm Yep. gonna present those recommendations to you for you to sign off on before anything has changed.","start_word":5745,"end_word":5768,"intents":[{"intent":"Present recommendations","confidence_score":0.49209622}]},{"text":"So is it this time of day that works best for you being 03:00? A little bit later is is good for me, Yep. if possible, like, sort of 04:30 kind of guarantees me sort of being available. The only afternoon I'm not available from next week is Wednesday afternoon just so I have a rose alarm. Yeah.","start_word":5771,"end_word":5828,"intents":[{"intent":"Confirm availability","confidence_score":0.083779275}]}]},"sentiments":{"segments":[{"text":"Hello. Brent speaking. Hi, Brad. This is Jenna here phoning from Oakview Financial. How are you today?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.10308024287223816},{"text":"Well, thanks, Jenna.","start_word":17,"end_word":19,"sentiment":"positive","sentiment_score":0.3368525505065918},{"text":"How are you? I'm well.","start_word":20,"end_word":24,"sentiment":"neutral","sentiment_score":0.26380959153175354},{"text":"Thank you.","start_word":25,"end_word":26,"sentiment":"positive","sentiment_score":0.416321724653244},{"text":"Just before I go any further, I just need to let you know that Sure. our calls are recorded for quality and coaching purposes. Is that okay?","start_word":27,"end_word":53,"sentiment":"neutral","sentiment_score":0.04889068752527237},{"text":"Fantastic.","start_word":54,"end_word":54,"sentiment":"positive","sentiment_score":0.4345170259475708},{"text":"Brad, can I please ask you to confirm your full name, date of birth, and address? Brad. Markwell Jennings. 06/21/1978. 46 Highfield Street, Durack 4077. Thank you for confirming that, Brad. I'm phoning today to complete and go through your annual review. Do you still have time to do that? Yep. Sure do. Lovely. Before we get to the crux of it, I guess, what I'd like to do is just check-in with you and see how everything's been going and has there been any significant financial or personal changes to your situation? Yeah. No. Not really. My wife and I, like, our income remains the same. We're both teachers, so we've only just had a a slight pay increase with the the arbitration process that's going on with Education Queensland at the moment. So that pay rises only just kinda comes through in our last pay slip. But other than that, no no real change. You know, our employment's both sort of fairly consistent. And our main goal at this point, because we're we sort of feel that we're within five years of paying off the house, so our goal is firmly fixed on that at the moment. Yep.","start_word":55,"end_word":254,"sentiment":"neutral","sentiment_score":-0.006698170211166143},{"text":"That's absolutely great. That's a fantastic goal.","start_word":255,"end_word":261,"sentiment":"positive","sentiment_score":0.5201501250267029},{"text":"How good would that feel in five years? Yeah. I know. Well, we've basically, we've been putting away since we refinanced and bought this house, which was eight years ago. You know, it's doubled in value, and and we've just been putting, like, extra repayments on the whole time. So, yeah, that's that's just sort of our priority is just kinda get it paid off, and then we know that that we've got some time ahead of us then for renovations and other things if we want to. Yeah.","start_word":262,"end_word":350,"sentiment":"neutral","sentiment_score":-0.06527343224943354},{"text":"Oh, that's that's fantastic. That's a great approach. Well done to you both.","start_word":351,"end_word":363,"sentiment":"positive","sentiment_score":0.7235278487205505},{"text":"Speaking of the debt, we had it listed at 300 and 2,000 last time. Is it going down? Yeah. It's down to 200 and That's fantastic. No. That's great. Anything else that you can think of 60. outside Not of real no. that? Not Yeah. really. I think I I I don't remember when because like, my my we own both our vehicles now. I think my Audi, I can't remember when I had my last review if that was paid off, but that's paid off now. Yep. And and I bought a motorbike, but I think I might have mentioned that last time. So that that might Yeah. have been a damn, there's another asset. Yeah. K l r $6.50? Yeah. That's it. But other other than that, no no other real sort of changes in our financial situation, which is good. Okay.","start_word":364,"end_word":507,"sentiment":"neutral","sentiment_score":0.05642284080386162},{"text":"That is fantastic.","start_word":508,"end_word":510,"sentiment":"positive","sentiment_score":0.5218378305435181},{"text":"And you we've got cash noted here with about 30,000. Would that Maybe 40. still be right? 40? Okay. And you said you you mentioned your wage is pretty much the same. We have a 125 noted. Is that is that consistent? It's it's probably a little bit more than that. I think it's it's probably closer to, like, one one thirty, I think. Yeah. Is that plus super? Yeah. That's possible. Yeah. Great. Oh, I think so. Yeah. Yeah. Or Yep. is that plus super? I don't think so. I'm not too sure. The when I look at my yeah. I think it must be plus super because when I look at my deductions, it's mainly tax plus a small extra salary sacrifice of super contribution that I make. Yeah. Oh, actually, how much is that? Do you know that off the top of your head? Alright. Just hang on a sec. I'll put you on speaker and look at my payslip, though. Yeah. That would be great. Thank you. Sorry. One second. So my gross gross income is $500.01 and 70<unk>. And Her then phone not I've awake. got that's a $4.09. Yep. And then I've got tax coming out of that, and then I've also got my I think I think I this code is n g s u p e m p dash post, and that's $2.50. My understanding is that's my a a small additional salary sacrifice contribution I signed up for. Yeah. So you that's $2.50 a pay cycle. Is that right? That's that's correct. And then the employer said that this pay is $637.71. Okay. Do you get more than the standard 12% by by signing up to doing that extra salary sacrifice? I don't know, to tell you the truth. Okay. Who's your employer? Education Queensland. Education Queensland. Yeah. You definitely I think you would. I'm going to do a little bit of research while we chat through things. Okay. Okay. So that's $2.50 a week. We Because had I think I think when I look yeah. at my when I look at my Hub 24 account, I can see each fortnight that those two contributions. I can see Education Queensland, 600 and whatever, and I can see my contribution for 200 and whatever whatever. And both of those payments go in every fortnight into the hub sup hub twenty four again. Yeah. Yep. Okay. So let's have a look at this. An employer contribution. So with Education Queensland, you get 12.75%. If you're under 75, there's a default contribution of 5%, and that's set up pretax. Accountants earnings to mandatory. Yep. So you get a little you get an extra point 75%, which is nice. Okay. Right.","start_word":511,"end_word":966,"sentiment":"neutral","sentiment_score":0.029274673082686047},{"text":"Cool. Okay. That's fantastic. And your $2.","start_word":967,"end_word":973,"sentiment":"positive","sentiment_score":0.5556716918945312},{"text":"50, I've got that. Now we had here savings wise that you were saving $3.50 a fortnight, and that was for holidays and $50 a week for kids. Is that right? Yeah. Yeah. That is correct. Yep. So the $50 a week is included in that $3.50. Is that right? Yeah. That that when you asked me before, our cash savings was, and I said about 40, that's inclusive of those of, like, our holidays and our kids accounts because Yep. they're all offset accounts. Yep. Yeah. So that that that $40 is inclusive of all of that.","start_word":973,"end_word":1070,"sentiment":"neutral","sentiment_score":0.09853643502051732},{"text":"Lovely. So that we can just say that's where that and you're happy with that arrangement. You're just gonna continue with it.","start_word":1071,"end_word":1092,"sentiment":"positive","sentiment_score":0.605524480342865},{"text":"Do you wanna invest Yeah. that money? It's not because it's just money it's just money that we're putting away for ourselves to go if we have to do something for this kid or whatever. We've got money Yep. there for them or where where it might be a car in the future or whatever the case might be. But in the short term, it's all just sort of offsetting the loan. So Yep. Absolutely understand.","start_word":1093,"end_word":1168,"sentiment":"neutral","sentiment_score":0.0603250190615654},{"text":"Beautiful.","start_word":1169,"end_word":1169,"sentiment":"positive","sentiment_score":0.5316205024719238},{"text":"The I have Corinne as your wife. Correct. Is she and we have her noted as your next of kin. Yep. We just don't have her contact number. Do you know that? Oh, I do. Yeah. Yeah. 00418 Yes. 7330 Yes. 679.","start_word":1170,"end_word":1211,"sentiment":"neutral","sentiment_score":0.04775961488485336},{"text":"Fantastic.","start_word":1212,"end_word":1212,"sentiment":"positive","sentiment_score":0.4263178706169128},{"text":"And I've got two children here, aged 15 and 12. I suspect they've probably grow gotten Six. a little bit Yeah. Yeah. 16 and 13. older. Aw. And Yeah. what are their names? Olive and maple. Aw. They're beautiful names. So Olive is 16? Correct. Yeah. Yeah. Oh, lovely. I just like to have notes. So when I'm when I actually talk to you, I I can and talk about your children, I I actually know their names Yeah. Sure. and can communicate with you. Alright. So I've got you here as teacher in theater. Mhmm. You work for Education Queensland. Is there any particular school you're based at at the moment? The Queensland Academy of Creative Industries. And how long have you been a teacher for? I have been in arts sort of arts and education for, you know, sort of twenty six years professionally, but I've been a teacher on and off for maybe fifteen years at that time. Okay. And I've got you here noted as full time, thirty eight hours a week. Is that right? Yeah. Although, Yes. I think it's twenty five hours a week according to my payslip. But you're full time? Yeah. I'm full time. Yeah. Yeah. Okay. And do you have any idea what your expenditure is per week? So that would be living expenses, so outside of mortgage or anything like that.","start_word":1213,"end_word":1443,"sentiment":"neutral","sentiment_score":0.05778738498300701},{"text":"I really don't off the top of my head. I'd actually have to I'd have to work back because we are are are not terribly great with our overall budget.","start_word":1444,"end_word":1473,"sentiment":"negative","sentiment_score":-0.3461523950099945},{"text":"I think we we operate on a a certain amount of money kind of coming in, and we know where the bulk of our money goes out. But, you know, our our account tends to just fluctuate not not to great degrees, if you know what I Yep. mean. I Yeah. do. But, yeah, I just couldn't tell you off the top of my head without really thinking about all of the bills we pay. That's okay. I understand.","start_word":1474,"end_word":1552,"sentiment":"neutral","sentiment_score":-0.08760601282119751},{"text":"Thank you.","start_word":1553,"end_word":1554,"sentiment":"positive","sentiment_score":0.5225306153297424},{"text":"And then probably outside of that, I note that you have a will. Is it current? It is. Yeah. It Yes. And a power of attorney. Do you have that? I have is. here that you think it's your brother. Yep. Yeah. And you're happy with that? Yep. Yep. Lovely. What's your brother's name? Steven, two with a p h. I was just about to say, is it a p h or a v? Alright. Lovely. Okay. Just quickly, I know I've noted down your main goal as a family right now is focusing on being debt free Yes. and within the next five years. The other goal that we had was for retirement. So a happy happy retirement at the age of 65 oh, no. Sorry. Happy with retirement at the age of 65 that you'd like to move out of teaching and gradually transition further into the theater space before retirement. Is that still a retirement goal? I I think my my wife is also a teacher because she's on a she's been with Education Queensland since she started teaching, and she's on a defined benefit.","start_word":1555,"end_word":1742,"sentiment":"neutral","sentiment_score":0.16445488696719737},{"text":"So her goal is very much to remain in her current employment Mhmm.","start_word":1743,"end_word":1755,"sentiment":"positive","sentiment_score":0.3665711581707001},{"text":"Mhmm. for as long as possible because that will be quite good for her when she gets Yes. retirement age. But we're we are honestly looking, like, more realistically, like, a retirement age around 60. I don't know if I can keep teaching until 65. We may continue to do something we may continue to do something else, but I think between the two of us, with our superannuation and if we can pay off our house and still be able to generate a reasonable than income between now, and that's twelve more years of work for us, Mhmm.","start_word":1756,"end_word":1854,"sentiment":"neutral","sentiment_score":0.23556654155254364},{"text":"that feels like it might be achievable.","start_word":1855,"end_word":1861,"sentiment":"positive","sentiment_score":0.4898510277271271},{"text":"Yeah. So Okay. yeah. Because the the main the biggest goal for us is obviously to pay off our loan because, you know, at the moment, we're paying something like we pay around about 55 or $57,000 a year on our loan repayment. So it's a huge amount of money, obviously, going out Yeah. of the account every single year that could be spent on holidays or a new kitchen, for instance. I completely understand, and it sounds like we're all in for a little bit of a a rise yet Yeah. Exactly. from yesterday's meeting. Yeah. Okay. Alright. So, yeah, perhaps a bit earlier than '65. And I don't I Okay. know and and I I don't know about then what what we might do. But, yeah, I imagine I'll remain the intention is to remain busy doing something. I just don't know what.","start_word":1862,"end_word":2006,"sentiment":"neutral","sentiment_score":0.007741873152554035},{"text":"That's absolutely fine.","start_word":2007,"end_word":2009,"sentiment":"positive","sentiment_score":0.3612561225891114},{"text":"So if with retirement at 60, I'm gonna ask, being debt free, what do you think, income wise, you and Corinne would need to meet your your needs? If you were debt free, you wanted to travel, all those lovely parts of it in retirement Yeah. plus your living expenses in today's Well, dollars. I I I don't know, but I did I did do a little bit of Googling last week ahead of this conversation. But, you know, maybe, like because I was sort of going if we had I think one of my initial goals was to maybe have, you know, a million dollars in superannuation. You know, Mhmm. if that was if that was an achievable goal, would that be sufficient to live off? You know, if the Internet thinks, yes, maybe $80,000 a year for couple without kids, Yep. without dependents, or something like that. I can work with that. What we do is we don't necessarily look at what the balance is at retirement because that's going to vary amongst all sorts Sure. of different scenarios. But Sure. what what it what matters is is what we look at to model it out is age, proximity to retirement. So you you have age on your you have time on your side Mhmm. and your income needs. So what we do is work in reverse. So now we know a time frame and an estimated estimated income required. We can then work backwards to see if you are likely to meet those goals and then identify what needs to be done in order for you to achieve them. So for example, in five years' time, if you're debt free, you have all of a sudden significant surplus after you do a kitchen renovations and all those other sorts of goals that you wanna do. There that might be when we say, look. At the moment, you're tracking towards generating Mhmm. 65,000 a year, for example. We need to do x y zed to get you up to 80. This is what we're recommending you do. Yeah. Okay. So And start to invest some of that more money that in my super rather than on the home. you still exactly. But Yeah. that but but that's the way timing wise, we would look at that. So right now, what you're doing paying down debt, you know, that's a great a great approach because you're getting rid of debt that isn't what we call bad debt. So it's not giving you an income. It's not it's not providing a tax deduction or anything like that.","start_word":2010,"end_word":2446,"sentiment":"neutral","sentiment_score":0.09828838047910336},{"text":"Sure. It's for your home. So that's definitely a great option.","start_word":2447,"end_word":2457,"sentiment":"positive","sentiment_score":0.6191694736480713},{"text":"Whereas you looked at superannuation, you can't access it for another twelve years. The Yeah. money you're putting in there is locked away. So Yeah. the salary sacrifice and the SG you're doing at the moment, that's a great way to build your superannuation in a tax effective manner. Mhmm. But once you are debt free on the house, we would then look to what needs to be done then to reach that next big goal Sure. of being retirement, the next Yeah. life stage Yeah. goal. Yeah. Okay. So, I mean yeah.","start_word":2458,"end_word":2550,"sentiment":"neutral","sentiment_score":0.09890934079885484},{"text":"You're definitely on the right path.","start_word":2551,"end_word":2556,"sentiment":"positive","sentiment_score":0.5400460362434387},{"text":"It's just we'll just keep monitoring it, touching base, all those sorts of things along Yeah. the Okay. way. With one question I do have though. With how old's Corinne? Same age. 48. Okay.","start_word":2557,"end_word":2590,"sentiment":"neutral","sentiment_score":0.09406692534685136},{"text":"Fantastic. It makes it ease.","start_word":2591,"end_word":2595,"sentiment":"positive","sentiment_score":0.375440776348114},{"text":"Not easy, but, you know, access to super wires, etcetera. You know, 80,000 between the the two of you. I don't know what her superannuation balance is like, but as No. you do More get closer be more to than mine. yeah. So at retire as you both get close to retirement, whether you wanna look at it as a couple plan, that's something for you and Corinne to have a discussion about. And we then we can look at you as a household where the income's gonna come from and the best drawdown rate, etcetera, as that Yeah. time comes. Yeah. Sure. Okay. Alright. So what I'm going to do do you have access to your emails at the moment? Yeah. Yeah? I'm going to send you through a email. It's gonna come from Odoo Sign and myself, Yep. and it's gonna have the review pack included. So when you Mhmm. do open the email, there'll be an option for you to click the sign here or sign documents. Yep. Just click on that to open it up.","start_word":2596,"end_word":2774,"sentiment":"neutral","sentiment_score":0.0461263544857502},{"text":"You're not signing anything at the moment.","start_word":2775,"end_word":2781,"sentiment":"negative","sentiment_score":-0.4160525500774383},{"text":"We're just gonna talk through the review pack. I might just actually just grab my laptop if you don't mind. I'll just be one second just so I can look Yeah. at it Take on the screen. yeah. Take your time. Okay. One sec. Thank you. Alright. Sorry. I'm back. Yo.","start_word":2782,"end_word":2832,"sentiment":"neutral","sentiment_score":-0.015136745758354664},{"text":"Thank you.","start_word":2833,"end_word":2834,"sentiment":"positive","sentiment_score":0.43366801738739014},{"text":"So you just let Great. let me Yep. let me know Just when got you that got email it open? now. Yep.","start_word":2835,"end_word":2856,"sentiment":"neutral","sentiment_score":0.1248246654868126},{"text":"Lovely.","start_word":2857,"end_word":2857,"sentiment":"positive","sentiment_score":0.36468541622161865},{"text":"Okay. And the Okay. first I'm page in the you document should, now. yeah, see is a summary of Yep. superannuation and insurance. Yep. Yeah. So you will note that you have your superannuation held within the HUB24 platform. The Mhmm. balance sits currently at $349,947 rounded up. And you have your insurance with Zurich. So your life and TPD is a some insured of a million 247 Mhmm. thousand 920, Mhmm. and then your income protection covers you for $8,111 per month if you are unable to work due to injury or illness with a sixty day waiting period and a two year benefit period. Mhmm. Yep.","start_word":2858,"end_word":2965,"sentiment":"neutral","sentiment_score":0.03015359677374363},{"text":"Great.","start_word":2966,"end_word":2966,"sentiment":"positive","sentiment_score":0.38238704204559326},{"text":"Those covers are funded from your superannuation fund with HUB24, so they're deducted from there. Mhmm. Yeah. Correct. With the with the insurance, are there is there anything you want to review there? Are you happy with the cover? Yeah. Yeah. I'm happy with all of that. There's nothing to review there. Yeah. And you're aware that there's a type of another type of policy called trauma insurance. Have you been Not talked too about sure about that. okay. I'll just give you a brief summary of what it does and what it what's the purpose of it is. Yep. So this this type of policy is paid through your personal cash flow, so it's not able to be funded through super. Yep. And what it provides is a lump sum payment if you are diagnosed with a claimable event. They range from different types of cancers, stroke, heart attack, neurological diseases, and it's kind of a stop gap between income protection and TPD and life as typically when you do claim on trauma, it's generally, in most cases, a non terminal situation. So Right. it it's something that you're likely to recover from typically and statistically, and you might just need some funds to help for Sure. out of pocket medical expenses. Or a good example is something that happens regularly if you suffer a heart attack that meets the criteria. Yeah. Okay. You I know, you think might I'll be be yeah. I think we'll Yep. be right at this stage.","start_word":2967,"end_word":3219,"sentiment":"neutral","sentiment_score":-0.00042273313646377784},{"text":"Absolutely fine. Absolutely fine.","start_word":3220,"end_word":3223,"sentiment":"positive","sentiment_score":0.4355087876319885},{"text":"No worries at all. The next document in the pack is Mhmm. your performance with hub twenty four. Yep. So what this report shows us is I'm missing a oh.","start_word":3224,"end_word":3253,"sentiment":"neutral","sentiment_score":-0.021317914128303528},{"text":"It's just gone absolutely blank on me.","start_word":3254,"end_word":3260,"sentiment":"negative","sentiment_score":-0.4237074851989746},{"text":"So the first the first investment at the top there you'll see is the Van Al Long Australian Equities Fund. Mhmm. That fund has underperformed in the last twelve months as you'll see based on the report. Yeah. Yep. So what what has happened is essentially, it's the Australian share market itself hasn't performed badly in an overall sense in that twelve month period, but the investment mandate of Benelong and the the philosophy that they follow is to identify companies in the Australian share market that they believe Mhmm. are undervalued for growth opportunities. Now during the twelve months, it was the financial sector and the resource sector that really did the performance with Bennelong's mandate not not being fruitful. Now Right. we're not we're not reactive to underperformance where the market reacts to many different Yeah. events Sure. and situations. But when something becomes systemic or ongoing, that's when we do take action. So in that respect, as a company, we have made the decision to review the Bennelong Equities Australian Equities Fund for alternative for our clients, and that's Okay. something that I would like to look at for yourself. Mhmm.","start_word":3261,"end_word":3454,"sentiment":"neutral","sentiment_score":-0.041913095861673355},{"text":"So if you're happy with that, that's something I'm gonna I'm gonna investigate a little bit.","start_word":3455,"end_word":3470,"sentiment":"positive","sentiment_score":0.3675075173377991},{"text":"Yeah. Sure. I don't think the growth period overall, my super has performed as well over the last financial year as it did the year before. Exactly. Exactly. Yeah. Yep. So being a and you are a gross in what we term as a growth investor, Yep. you know, we would typically see one in every five years being a oh, sorry. One in every six years being a negative return, Yeah. Right. and we would expect that. But and this hasn't been negative. It just the the total return has been influenced by the Bennelong investment. Yeah. Sure. So that's one of the reasons why not only one of the reasons, but there's a systemic ongoing option there that we need to review. Okay. The other there's one other I wanna review in the portfolio, and it's not due to underperformance or anything like that. It's the second one down, the beta bank hybrid ETF. Mhmm. The Australian bank system is phasing out the bank hybrids as an option from January 2027. Mhmm. What I want to do is take a little bit more of a proactive approach because I don't know nobody knows what they're gonna be replaced with, and I would like to be proactive in taking the opportunity now to review the holdings there to see if there's Okay. something more appropriate that we can replace it within the defensive sector, so being fixed interest type of investment just Yeah. just because, you know, it's I mean, the growth is negative, which we would we don't expect a lot of growth from your defensive type assets. But income wise, it's done its job sitting around the kind of return that you'd expect for a fixed interest type asset. Right. But, yeah, rather than waiting and seeing what happens, I'd like to be a little bit more proactive with that. Can you just explain to me really quickly when I look at what's the difference between the income in period? So, like, if Mhmm. I just took that if I took the next one down, the beta the beta global cyber ETF units, Mhmm. if the incoming period is nine nine one, the growth what's the difference between the income in the period and the growth in the period and then the total I could say the total earnings is a combination of the two of those, but, yeah, what's the difference between income in period and growth in period? That's a great question. Okay. So the income, if you think of it, two different elements. So the bank hybrid shares or ETF, sorry, that I mentioned above. If Mhmm. you think Yep. of that as kind of like a term deposit that only pays an interest component, it doesn't grow, Sure. but Yep. it pays an income. That's Yep. what if you think of it like that, that's what that Yeah. income is there. It's generally based on a a Okay. fixed rate. And you wouldn't typically see much gross with those types of holdings. Right. But the the one below that, the beta global cyber ETF, that's Mhmm. more of a gross option, and that's typically you'd see that holding would have some share exposure. So the income for something with a share exposure would be typically a dividend. Right. Okay. So there's an in so with a gross asset, there's typically two the same with defensive, but defensive is more income producing than anything. With with growth, it has a gross option and then an income producing option. So Right. the the income is the income distributed by the the fund manager, so beta shares, being all the dividends that were earned in the fund, etcetera, that have been directed to your holdings, so your your Mhmm. unit holdings. Okay. Yep. The growth is the market movement. So that, for example, is the value of it. So if I bought a one CBA share buy at $100 ten years ago, and today it's valued at $300, my growth is $200. Mhmm. Sure. So when I look at the total earnings then, if I look right down the bottom, Mhmm. That total earnings from $3.16 to $3.44 is how much my my super has actually brought in value. That's how much it's made. Are those earnings are they exclusive of the contributions I make or inclusive of the contributions I make? Let's have a look. Oh, sorry. Pressed the wrong button. Give me one second. Okay. So the difference between the market value end period, which is the fourth column in, and the market value start period being the first column. Mhmm. The Yep. difference is $27,500 roughly. Yep. So the total earnings is 18. Yeah. So those that growth is net of your fees and contributions. So the difference would be your contributions because you'll see the buyers in period. So see the the second column Yep. being the buyers? Yep. That's essentially what your contributions have purchased, noting that some would also stay in cash to fund insurance Yeah. premiums, I see. Gotcha. Gotcha. Yep. fee, etcetera. Yeah. Okay. Yeah. Yeah. Does that make sense? Yes. Yeah. Yeah. I think so. Yeah. Yeah. Okay. The next document over is the 2026 Vanguard index chart.","start_word":3471,"end_word":4351,"sentiment":"neutral","sentiment_score":0.023094130464312572},{"text":"Now this is a great educational tool, and it works really well with your questions just before on the difference of income and growth.","start_word":4352,"end_word":4375,"sentiment":"positive","sentiment_score":0.49028149247169495},{"text":"So Mhmm. I can this Mhmm.","start_word":4376,"end_word":4381,"sentiment":"neutral","sentiment_score":0.19548819959163663},{"text":"this tool really helps to visualize it.","start_word":4382,"end_word":4388,"sentiment":"positive","sentiment_score":0.4342613518238067},{"text":"So down the right hand side of the column, you'll see US shares, estranged Yep. shares, international, and property. Mhmm. They're your gross assets. So as a growth in Vista, we would see approximately 80% of your superannuation balance invested across those four types of investments. And Right. as you will see, the on the those colors that match up with those assets, Mhmm. the volatility they experience. Yeah. Yeah. Yeah. Yep. So they're the one they're your gross producing assets. So if you wanna line it up, you can line it up with across the top of the page, there's some black ride smaller black riding, and they're Yep. world events, Yeah. I etcetera. gotcha. Yep. So you see the per the most common one is the GFC, which is back in o seven, o eight. Or Yeah. if even Yeah. Yeah. if you look at COVID nineteen Yeah. where the market Yeah. I absolutely can see that. tanked yep. Yep. So being a growth investor means that you are comfortable and understand the volatility associated with those that those types of investments. So that's Yep. when it Yes. said it had growth the gross in period, Yep. that's what this refers to, the ups and downs, the fluctuations. The next two down being Australian bonds and cash, they're Yep. your defensive assets. So that's like the beta shares I mentioned, Yeah. Yeah. the Sure. the one that I wanna look at Yep. reviewing. You don't over the long term, yeah, you see a little bit of growth, but they basically produce income. So they're the defensive part of your portfolio to try and offset some of that when we're in Put a the down risk period. here. Yeah. You know, it's still producing some income because the markets, how they behave is generally when one sector is in a period of growth, another is performing strongly. Yeah. Right. So an example could be interest rates at the moment. Defensive assets could probably start producing a little bit more income due to the fact that, you know, we've got rising interest rates. But on the flip side, the property sector may feel the pinch of that because interest rates are then rising. So Yeah. Okay. they're they're correlated in many different ways and they behave in opposite ways to depending on what's happening in the world. Yeah. So that's Okay. why diversification is really important in the portfolio. So Yep. with the growth type investor, what I just wanted to run through with you is to make sure it is something that you're comfortable with and you understand is that split of being eighty twenty. Mhmm. What we typically Mhmm. expect is a minimum suggested investment time frame of six years. So and that's to withstand those volatile periods. Yeah. So Because if we I think think that's yeah. this is only about my third third maybe year. I think it Yeah. I can't remember if it was 2022 or 2023 when I signed up with Yeah. Oakview. Yep. Yep. So it's a it's not necessarily six years with Oakview. It's six years in that type of investment In that yeah. Yeah. That's right. And model. I think I've already seen because I think I signed up right before the Ukraine war, and Okay. that was Yep. yeah. And my my ZIP code took a, like, a $20 hit within a month of of signing up, and I was like, uh-uh. I made a huge mistake here. But it, you know, it didn't. It it obviously, it it rebounded as it as it does. And, you know, I think all the advice that I've been given is, you Yeah. know, if our income is steady at this point, we're worth it's worth, you know, Mhmm. risking a little bit more in that growth portfolio because ultimately, it's gonna benefit me in the long run to play it safe at this point. Probably not going to benefit me as much as it would to be on a growth portfolio, so I'm still comfortable.","start_word":4389,"end_word":5071,"sentiment":"neutral","sentiment_score":0.05168169436875409},{"text":"Fantastic.","start_word":5072,"end_word":5072,"sentiment":"positive","sentiment_score":0.5823118686676025},{"text":"Yeah. And to to reiterate on that is you're twelve years away from being able to legally access your superannuation at this stage. So you do have time on your side to withstand that market Yeah. ups and downs. Yeah. Sure. Yep. Okay. Alright.","start_word":5073,"end_word":5116,"sentiment":"neutral","sentiment_score":0.04559196159243584},{"text":"That's lovely to confirm that.","start_word":5117,"end_word":5121,"sentiment":"positive","sentiment_score":0.5226293206214905},{"text":"The next document is your certificate of currency for Yeah. your insurances. So we we spoke briefly about those before. These doc Yep. next two documents is a certificate of currency. It simply Mhmm. shows that your cover is in place, Yep. that it is paid from your superannuation fund, and the levels of cover as we talked about earlier. Yep. Yep.","start_word":5122,"end_word":5183,"sentiment":"neutral","sentiment_score":0.06250321865081787},{"text":"That's all good.","start_word":5184,"end_word":5186,"sentiment":"positive","sentiment_score":0.45832905173301697},{"text":"I'll just Yep. click through those. The second last document is our financial services guide, and Yep. that is a document that you would have seen in the past, but it is Yep. an updated version. It tells you a little bit about who we are, who our licensee is, that we're licensed through ASIC, the different types of advice we can provide and how we provide it, including Yep. a outline of our fee guide, and importantly, the complaints process. So shall you be dissatisfied or have a complaint, the process that you can follow to remediate that. Yeah. Oh, goodness.","start_word":5187,"end_word":5288,"sentiment":"neutral","sentiment_score":0.03069671957443158},{"text":"Lovely.","start_word":5289,"end_word":5289,"sentiment":"positive","sentiment_score":0.5619113445281982},{"text":"And the last document is your ongoing fee arrangement. So it's basically your renewal in advice fee. So every single year, you receive a document like this Yep. that says what the fee will be for the next twelve months. Mhmm. What's what we've changed since probably the last twelve months since your last one is that it's no longer variable, so set at a percent based fee amount. It's calculated still on the same amount, the 1.65%, but it is then fixed for twelve months. So what that means is consistency for clients, key transparency, and the confirmation that it's not gonna fluctuate. So, for example, Sure. in a good market, there's, you know, the product market's performing well. You're up 10%. That does not necessarily mean our fee should rise 10%. Yeah. So Yeah. it's fixed for the twelve months. So what it is is the annual fee is $5,629 and 86 divided by 12 deducted monthly from your hub twenty four account, which is Yeah. equates being $469.15 a month. Yeah.","start_word":5290,"end_word":5463,"sentiment":"neutral","sentiment_score":0.11939069628715517},{"text":"Great.","start_word":5464,"end_word":5464,"sentiment":"positive","sentiment_score":0.6051332950592041},{"text":"And as always, same same process and options for advice available that cover that fee is your annual review. Should you have anything in the meantime or before you end your review, change of circumstances, the need to seek additional advice, we're available, and you you can just make contact with us and we'll meet with you for Yeah. whatever Okay. it is That'd that be you great. need. Yeah.","start_word":5465,"end_word":5534,"sentiment":"neutral","sentiment_score":0.2098987102508545},{"text":"That's great.","start_word":5535,"end_word":5536,"sentiment":"positive","sentiment_score":0.45112648606300354},{"text":"I So I that's guess what the only that thing covers. the only follow-up for me would be just to if you're able to I guess, will you let me know if you change those investments, those two options that you said that you were Yeah. looking at the Yep. because I I realized Yes. the the Ben Long one's not that that's obviously a much bigger decision. That's that's gonna obviously Mhmm. impact more than just me. But, yeah, will you just let me know if that happens, or will I just see that through the the transaction of like, when I see Hub 24 transactions being made? Okay. So what what the next steps from here will be is I'm going to go away and do a little bit of research Mhmm. as to appropriate alternatives. So to take into account what it is that you're wanting to achieve and make sure that any alternatives will still are still in your best interest. Okay. I am going to then, which I'll do now if you have time. I'm gonna book you in for some time in the next I'm just looking at weeks because it takes us about two weeks to get it all together. Yep. And we're gonna have another and I'm Yep. gonna present those recommendations to you for you to sign off on before anything has changed. Okay. Sure. So is it this time of day that works best for you being 03:00? A little bit later is is good for me, Yep. if possible, like, sort of 04:30 kind of guarantees me sort of being available. The only afternoon I'm not available from next week is Wednesday afternoon just so I have a rose alarm. Yeah.","start_word":5537,"end_word":5828,"sentiment":"neutral","sentiment_score":0.1127152389221608},{"text":"That's absolutely fine.","start_word":5829,"end_word":5831,"sentiment":"positive","sentiment_score":0.3970066010951996},{"text":"Give me a second to navigate through my calendar because Daylight Saving starts as well shortly. So I just wanna make sure Yeah. That's my only a I pick seat as well, isn't I yeah. I just gotta make sure that I pick the right time slot. Okay. So let's have a look. If it we're looking at the week beginning the October 19 at this stage, it? Yeah. and you That looks said about good. four Yeah. thirty? I can do Thursday afternoon, the twenty second at 04:30 Queensland time. Full thirty claims, and I'm not sure. I'm gonna put my calendar right now. I was gonna say, would you like me to send you through a calendar invite? No. That's all good. I'm I'm No? I'm on my computer. I'm putting it right in so I don't forget. Alright. So I've got that the October 22 at 04:30 Queensland time.","start_word":5832,"end_word":5983,"sentiment":"neutral","sentiment_score":0.08912138800185762},{"text":"Lovely. Beautiful. Perfect. Great. Alright. Thanks, Jenna.","start_word":5984,"end_word":5990,"sentiment":"positive","sentiment_score":0.7168341875076294},{"text":"Any any other questions before I No. before we jump No. off? I think I think that's it.","start_word":5991,"end_word":6008,"sentiment":"neutral","sentiment_score":0.11580734699964523},{"text":"That's all good. Fantastic. Alright. I will I look forward to speaking to you on the twenty second, and enjoy the rest of your afternoon. Perfect. Thanks very much for your time. Thank you. You too.","start_word":6009,"end_word":6044,"sentiment":"positive","sentiment_score":0.7182536125183105},{"text":"Okay. Bye Bye. bye.","start_word":6045,"end_word":6048,"sentiment":"neutral","sentiment_score":0.19993427395820615}],"average":{"sentiment":"neutral","sentiment_score":0.0696595129540569}}}}