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Is now still a good time there for you? Yes. Fantastic. How's your day been so far? Fantastic. That's always a good thing, and it's halfway through the week, so we're on our way to the weekend now. Alright. All good, Darren. Before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely. And just to do security there with you as well, we are discussing your personal information. So I'll just need to confirm your full name, date of birth, and address I should have on file. Yes. Yep. Beautiful. Thank you so much for that. I had a bit of a look. I know you did speak to my colleague Samantha the other week to book in the review today. She did go through a bit of a fax line with you, which is fantastic. You had a couple of questions there about wanting to maybe look at trends as your retirement strategies and review your super as well. Is that right? Is there anything else that might be important to touch base on today? Yeah. Yep. Yeah. Yep. Yeah. Yeah. That's okay. Not a problem at all. I did sorta have a look at few at things before the call. There is definitely probably some advice to definitely update there for you. I know one of the things was you do have your Care Super insurances at the moment. So I'll start by just giving you an updated balance. We do send you a new review pack after the call as well, so I'll make sure you do get a copy of all these documents sent out to you to be able to review. But at the moment, having a look at your Super balance there, as of today's date, in Hub twenty four, we have a balance of 187,476 and 47¢. Within CareSafe today, a balance of $15,477.86. Having a look at the way the market has reacted and your portfolio over the last twelve months, now your return is lower at the moment. The return for the last twelve months for a whole in your portfolio is actually just over 1%. So it's 0.7 for the year, which is quite low. Definitely not what we would have wanted. When I kind of run through all the individual investments and how they performed individually, most of them have done really well. So you do have, like, your Global Healthcare that is showing a little bit of a dip at the moment down about 6%. Your Vanguard conservative index fund is up over 6.48%. European and Asia exposure is up over 35% and about 6% there respectively. The S and P 500 is up around that 7.89. Your battery and lithium tax done really well. It's the best performer. That's up over 65.49% for the year, which is good. And then the agriculture is up over 31.37% there. Your Bannalong Australian Equities is kind of what's really pulling your portfolio back a little bit. So Bennelong, when that was put into the portfolio, was there to give you some active management in there. Bennelong, as opposed to as part of their strategy, be updating their underlying investments within the funds there to sort of make sure they're invested in the highest quality. Bannalong, unfortunately, late last year and early this year, had a bit of an issue with one of their underlying investments. I'm not sure if you've seen in the news or not, but Corporate Traveler had come out in when they had disclosed the market, but it had been a bit dishonest to their investors there. That unfortunately meant that Benelongs had to reevaluate Corporate Traveler as an investment, which meant that all of our analysts have gone back and reevaluated Benelong. In your portfolio as a whole, that is down by 18.35%. So that is what's dragging your portfolio down pretty heavily at the moment. We wanna get rid of it. Absolutely. Part of the review I wanna do today is to update the advice. We do wanna remove that from the portfolios now completely. As much as we don't realistically wanna be selling things when they are in a dip, it is important to take what we can out of there now. And maneuvering the portfolio now, we can essentially take the fact that Van Along is down, and we can offset capital gains with the with the losses that Van Along has seen in your portfolio. So as a whole, I definitely wanna get rid of that. But I also wanted to have a chat to you a bit more about your other goals around the retirement aspect because you're 55 now. Yes. And that's a good thing because you are getting closer and closer to those years where you might be considering accessing super. So we might have a look at reviewing the super, the portfolio for you, do an updated advice document, but then also look at the retirement aspect for you down the track and look at where this is taking you and what this looks like for your retirement years. Does that sound like something you'd be open to me doing? Yep. Perfect. All good. So one of the things is we are definitely gonna get rid of Van Along there. I will have a look at sort of what else is important with regard to investments. But is there anything that sort of piques your interest anywhere you would like to see your super mainly invested in or anything else you want us to maybe take advantage of or have a look at for you investment wise? Absolutely. I can see there's not any in here that I can see as a whole, so I will definitely have a look at some physical gold for you. Did you want me to look at some silver as well? Yeah. Yep. Yep. Perfect. Yep. Mhmm. Yep. Mhmm. Yep. Yeah. Absolutely. I do definitely like a bit of gold and silver in a portfolio. They are both growth investments, but they do have that defensive capacity to them. So when markets aren't doing so well and kinda looking at ways to, you know, reduce the risk level overall when, say, equities aren't performing as well, then people do tend to move money into gold and silver, particularly gold, but silver can work defensively as well. So I will definitely wanna put some of that in your portfolio, and I can have a look at what to do there. With regard to the copper, I can definitely have a look at what options are available, what might be available in Hub 24 for you, but it is also about making sure we're not overexposing you to growth assets and increasing the risk levels. And some of the copper asset can see increasing the risk. Did you want me just to focus on the gold and silver with keep that defensive aspect? Or yep. Yep. Yep. Absolutely. I can do that. Not a problem at all. So as part of the research, I'll go back and have a look at everything. I'll come up with an advice piece to show you. It'll show you what we're recommending you, move your money into, how and why the advantages, disadvantages, and the risks involved, and then you get to just to tell me whether you're happy to take that or not. Does that sound like a plan? Yep. Perfect. Fantastic. So that's just that side of things. But, overall, your portfolio is definitely up. So as much as it's a much smaller return than we'd normally expect, it is good to see it isn't still a positive return there. I did also just pull up your, sorry, documents from the last annual review. So sorry, your last annual review, your balance then was about 162,000 in hub 24 and '18 in CareSoupers. So you have '24, whilst we have rolled some money in, has still had a bit of a benefit of growth over the last year as well there. '20 20 four. Yeah. Yeah. No. That's it. Yeah. Yeah. We'll make sure that that doesn't happen moving forward there for you. I do apologize. That's why I wanted to make sure we touch base today and really have a bit of a chat and see where things are going for you. And we can update that advice piece to sort of really give you an idea on where we're heading, where we're tracking, and what this looks like to help you along with your goals there. Okay? Yeah. Beautiful. Now looking forward at your goals there, when are you sort of hoping to be able to maybe retire, access your super? What would be what you what are you after? Mhmm. Yep. Yep. Yep. Mhmm. Mhmm. Yeah. Yep. Yep. Yep. Yeah. Absolutely. So when we do sort of retain something like CareSoup, but we do only really wanna retain that for a period of time until we can either get new cover or you no longer need that cover because you are paying more in the way of fees. And if we can kinda consolidate everything into one place, you do have that benefit of more money makes more money. So I do definitely agree. What I would probably do is I just wanna maybe do a bit of a, have a really good look at your health side of things and do a bit of an updated pre assessment for you. After the call, I'll book in one of my lovely admin team to go through a bit of a pre assessment with you either later this week or early next week to kind of really get a guide for what kind of what you're after, what we're able to obtain when it comes to insurances. Are you wanting sort of life, TPD, and income protection like you have now, or is it just life? What's important to you with regard to the insurances? Yep. Yeah. Yeah. Yeah. That's correct. Mhmm. Yep. Okay. Yep. Okay. Perfect. Yeah. Absolutely. Because with the death benefit you have there at the moment, now I've got down here that you've got no assets noted. So are you renting where you are at the moment? Yeah. How much rent are you paying on a regular basis? Maybe 40 fifty per month. Yeah. That's okay. Because, realistically, that's one of the biggest things. If if you were to pass away prematurely, obviously, the the the rent still has to be paid, so your wife doesn't need to cover your rent continuously. That was $18.50 per month, wasn't it? Yeah. Perfect. Just like to check that because rents are exorbitant in some areas. So, yeah, the rent would still definitely have to be paid. So you'd be comfortable with around about the 350 to 400,000 of life and TBD. Realistically, you don't feel there's any benefit to the income protection. You're happy to cancel that? Yep. Perfect. What I can do yeah. Yeah. Absolutely. What I would do is don't cancel it now. Wait till I update the advice for you. I will try and have the advice done really fast to make it easier on you. We'll go through it. You can see, obviously, the advantages, disadvantages, the risks involved. But I also wanna make sure I can get new cover for you as well. I wanna make sure that the level of cover we can get is gonna give you what you're after. It's not gonna cost too much, but it's also not gonna eat away too much if you sleep. Because one of the really big things to consider is as we get older, the risk of us making a claim increases. So insurances do get more expensive as well. So we'll go through this today. I'll get one of the teams to go through a a pre assessment questionnaire with you, get a bit more of an idea. Essentially, it's just more an in-depth question around your health, your past health, what that looks like, and then I can do the research on the insurances, research the super, research the portfolio, and see where this is taking us there. Are you okay with that? Yep. Beautiful. I wanna make sure we do this properly for you. So I wanna make sure that you can get cover what that looks like, but I wanna make sure your super is also working for you as well. There's no point having insurances if it's just gonna eat away all of your super and provide no benefit later on down the track. So, yep. Yeah. Yeah. I'm so sorry. Yeah. Yes. Yes. Yep. Yep. So with that, as long as she gets the death certificate and is the executor yeah. Is the executor of his state and gets a death certificate and everything straight away, The assessment can be done on super. I have done seen super and life insurance assessments done within, say, forty eight to seventy two hours. They can be done faster, but it does depend upon the assessment and, obviously, the the backlog with the insurance company. Now one of the other things to consider is with life insurance held inside Super, you don't get access to, like, an up up front lump sum benefit to pay for funeral costs. You have to wait for that money to come down. If you were to, say, hypothetically pass away, does do you guys have access to enough money to, say, cover the cost of a funeral or something like that? No. So she would need money fairly quickly to help that that sort of cover. Yep. There are depending on kind of what your expenditure looks like, there are ways to set up, like, funeral bonds and things like that that can pay out. In saying that, if once you turn 60, you have access to all of that money if you decide to retire. So we could always, you know, take a bit of money out. But the way it is structured at the moment, it can take a couple of days to a week to have that paid out. Essentially, once the assessment is completed, the money is paid out very, very quickly. It can be drawn out as super, very fast to your beneficiary, but it does take that initial assessment. So it's about just sort of looking at how you guys might have to fund the funeral. Do you have money to fall back on? Would she have to maybe access some savings or ask a friend? What do you think what would she have to do in that scenario? Yeah. Okay. Do yeah. Do you have much in the way of expendable income that you are able to maybe invest elsewhere to set up, like, a funeral policy or something? Nothing? Okay. Right. Yeah. Yeah. Yeah. Okay. Yeah. Yep. Okay. What are the that that is completely understandable. Another thing I'm just sort of looking at the options wise is with the life insurance, if I was to maybe draw up a bit of a quote and maybe recommend just a small portion of that life cover we paid outside of super, that can, in the event of death, provide, like, a lump sum benefit paid down for a funeral that can be paid out generally within twenty four hours once the death certificate has been provided to the insurer. If I was to maybe get a quote ahead of time to look at what that might look like for you, would you like to see that, or do you just want me to add that into the recommendation to sort of show you what this looks like to give you a backup option in the event of passing. Yep. Yep. Yep. Perfect. And the way we sort of look at this is that with the life cover, most of it would be paid in side super. So you have the benefit of not having to pay the premiums out of your back pocket there. But it's normally in a very small portion, and it's called flexi linking. And, essentially, a small portion paid out of your back pocket, normally, that sort of two to 5% there. And the same thing comes with TBD. So the other thing to look at is with TBD, in order to be able to claim on that inside super, you have to meet in any any debt occupation definition. So you have to be able to never go back to work again for any occupation for which you are trained, educated, or have worked. So you can understand it's a pretty hard definition to claim on. If you were to if I was to structure this, so a small portion of your life NTPD, it could be very cheap. I'll make sure it's the most minimal cost possible is paid out of your pocket. You can access an own definition. That means that if you were TBD'd, you would only have to they look at the Antioch patient definition first. But then if you don't meet that, they look at what you were doing prior to the disability, and it's much easier to claim on not being able to go back to your occupation prior to disability rather than any occupation you've ever worked or trained. Does that kind of make sense? Yeah. Yeah. Yeah. Absolutely. Yeah. Mhmm. Yeah. Yes. Yep. Yep. That's cost effective as possible to limit the effect, but make sure that you have maybe a small amount of them paid outside of super. Limit the cost as much as possible to maximize the benefit in the event that you're having to claim. Does that sound Yep. Yep. Halfway. No. No. It's all good. No. Not quite. So what this is, essentially, with the life and TPD side of things, it's structured so the super fund pays for majority of the premiums. A small portion, generally around about three to 5%, would be paid out of your bank account, your credit card, or however you would wanna pay the premiums. That out of pocket cost comes out of your card or bank account on a monthly basis or weekly, however you wanna structure it. It's a smaller cost. Most of it's paid out of super, but that small premium paid outside of super out of your bank account or credit card, that allows you to access this additional benefits that aren't available to policies held solely inside Super. Does that make sense? Sorry. Yeah. That's okay. That's all good. It's really good to kinda clarify these things. I also try to be as on the like, as on point and be as honest with you as possible. And I have to let you know, I don't know if anyone's ever told you before, but if you were to claim TPD and you claim under the age of 60, TPD is actually a taxable payment. So the amount you are covered for isn't necessarily how much you're going to get. The I'm so sorry. Essentially, with TBD, if you claim TBD and you're under the age of 60, you your super gets released well because we claim incapacity against your super. So everything is released, which is fantastic. However, if you're under the age of 60, tax is actually on the TBD payout. It's on the taxable component inside super, and it's up to 22% depending on a few factors. They have a fund math equation that looks at your age that you're claiming versus the age of 65. They look at how much is in your taxable versus tax free components. There are things that we can do. So if you were to claim on TBD, I would say come and see me. Let's do advice. We can look at ways to reduce or minimize that tax component. That way, you know, you might be getting an income stream and taking smaller amounts on a regular basis. We can do uplifts and all sorts of fun things to kinda help reduce that tax side of things. So I just have to let you know tax is paid on TPD. Did you want me to look at ways to, like, factor in the tax, the 22%, or just look at that $3.50 to 400,000 and not sort of worry about the tax when we deal with that if and when at the time of claim? What do you think? And be honest. Sorry. Everyone hates the tax side of things, and I I think it's wrong that tax should be on a TBD claim. If you can't work due to disability, you should not be paying tax on that money. It's wrong. It is. Yep. It does reduce the amount that you're able to claim on. I can look at trying to bump it up to account for the 22% tax so that the amount you get paid is at 300 so $3.50 to 400 after the tax is considered, which gives you a a higher amount. It's up to you. I can work it either way. I also wanna make it cost effective and not too expensive because they do get more expensive as life goes on. So I wanted to find out more about what you're wanting. Did you want me just to look at those $35,400,000 knowing that we can obviously, if you did have to claim, this is a kind of a worst case scenario because you may never have to claim as well. We just keep it keep it cost effective for now. And if you had the claim, then we do everything we can advise wise to minimize the tax consequences for you. Yeah? Okay. Cool. No worries at all. Perfect. $3.50 to 400. Lovely. Yeah. I honestly do disagree with that. It's one thing I don't like about the system is the tax side of things. I think if you're disabled and can never go back to work again, the last thing they should be doing is taxing you on it. It's not fair in any way, shape, or form. On the super component for disability? You're right. For the death benefit? No. No. So with the death benefit, if you were to pass away and your spouse is your beneficiary, she receives the benefit tax free. Yeah. She meets the definition under both the CIS Act and the tax act. So, no, she can receive the full benefit tax free if you pass away. Absolutely. Yep. Yep. So if for you passing away, no. Death benefit is completely tax free. And the same with the life insurance. It's just the TBD. It's just total permanent disability because that's you claiming and you're still technically alive. If you TPD'd and you're over 60, then it's fully tax free. There's no tax consequences on that. So yeah. But the life benefit paid out on death to your spouse is tax free. That's a life insurance and the super component. Okay? Does that clear it up? Does that make it a bit clearer for you? Yep. Yeah. Look. You're probably worth more a lot a lot more alive, and that's what we wanna focus on. But yes. Yeah. Yes. Yep. Yep. That's absolutely fine. Let leave that with me. I'll go back and have a look at everything I can, make it cost effective, make sure it's working for you. I'll update the advice document to reflect all of this for you, then you'll get to see what my recommendations are, the advantages, the disadvantages, and the risks involved, and then you get to tell me whether you take all of them, some of them, or none of them. It's completely your decision. Okay. Yep. Perfect. Lovely. I'm sorry that I'm telling you things that you've probably never heard of before. I just wanna make sure. I like to be honest and make sure you're fully aware of what you have, how it works, what you can claim on, things like that. So yeah. Absolutely. Yeah. No. Perfect. All good. And you're comfortable with me making the recommendation to cancel the income protection? You've got plenty of leaves there. The income protection is not any concern to you. Yep. Perfect. Excellent. All good. There is one other type of insurance I just have to talk to you about. It's called trauma. I don't know if anyone's ever spoken to you about what trauma is. Trauma tends to pay out a lump sum tax free benefit if you were diagnosed with, say, a heart attack, a stroke, certain neurological conditions, cancer is probably the biggest one. You can't hold trauma inside, super. It is fully out of your back pocket, and I know money can be a bit tight. You guys live pay week to pay week. Did you want me to look at maybe making a recommendation for trauma, or you're happy just to focus on the life and TB, not interested in anything more? Yep. Yeah. Absolutely can. Most definitely. Most people want to look at and look, it's different for everyone because trauma can be it's a tax free lump sum benefit payment in the event of one of these diagnoses. Some people just want, like, one year's worth of living expenses. It gives them time to take one year off. Some people maybe want two or three years worth of income. What do you wanna see just to begin with this advice case for trauma? Just one year's worth of gross income or net income. Yeah? Yep. Perfect. I'll acts perfect. I'll show you what it looks like, the cost of it, how it affects you, and then you can tell me whether you decide to take that or not. Okay? Perfect. I've got down here that you don't have any assets noted, any cars or anything that might have value. Nope. That's okay. One thing we do like to take into account and is really important to consider is contents. Do you guys have contents insurance? Yep. Oh, I'm so sorry. When we do sort of look at the retirement aspect and Centrelink and things like that, we do need to take into account assets. So would would you put a value on your contents, or are you happy with me just I normally work on, like, five or 10000% link assessments for content. Are you happy for me just to use that? Yep. Perfect. Excellent. And no collections, no tools, or or, you know, no jewelry or anything that might be of value? Nope. That's yep. That's okay. Perfect. Thank you for updating that for me. Credit cards and debts or anything big like that, do you have personal loans, credit cards, or buy now, pay laters? Yep. And okay. Perfect. I'll have to. Yep. Perfect. Thank you for updating those details there for me, Darren. The other thing to think about, I can see here you just haven't had a will or power of attorney drawn up. Have you guys talked about doing any of that? Yep. No. That's understandable. As part of the recommendations, I do always look at the estate planning side of things for you as well. You did mention that, obviously, you want your super and your life card to be paid out to your wife in the event that something does happen. I'm just checking. I've got Tanya down as your wife's name. Is that right? Yep. I'm just logging in to hub 24 to check that for you because we do wanna that is another factor to kind of take into account. But just while yeah. That's okay. Sorry. Two seconds. Two factor authentication. Mhmm. Security measures are crazy sometimes. There we go. Beautiful. The with the will and the estate planning side of things, it is definitely a conversation to have. If you like, I can get one of my beautiful admin team to send you an email with some details on a local source so that we can refer you to. It's not a referral. It's just some information and a bit of a costing on how much it costs to do a will with them just to sort of start the conversation between yourself and Tanya. Did you want me to organize that for you? Yep. Beautiful. Excellent. And just looking at your beneficiary nomination now, the good thing is it is here a 100%, Tanya. We love that. It is a non lapsing binding. So correct binding binds to trust you to follow your direction, and non lapsing means you don't have to fill out the form again. It stays in place until you revoke that nomination, so you're happy for that to stay as it is. Yeah. I would that's cool. I can't log in to CareSoup at the moment, but we do have an authority. So I will go back after the call and just double check that it is all in place. And if it's not, I'll make a recommendation to update that for you. Okay? Yep. Perfect. So with that, I will hold off on transferring the $5 now. I'll do it when we update the advice. So I should be able to have the advice ready for you in about two weeks. After the call, I can book you back in for the advice piece to be presented. We can come back and look at that, and then I can organize that additional rollover for you and everything else. Is that okay? Yep. Beautiful. Everything else looks like it's pretty well on par here. I've got Tanya down as your next as Kim, which is fantastic. Retirement age, do you know I know we talked about the the trends with your retirement strategies just before, and you wanted to look at how that looks for you at the moment. With a TTR strategy, we kind of can't put that in place now. We'll have to wait until just before you turn age 60 just because we have to work on the income you have then, the super balance you have then, how much we there's a kind of a lot to it. Are you happy if I just focus on this now? I can still look at how this affects your retirement moving forward, but we just make future considerations to reassess the TTR strategy down the track. Is that okay with you? Yeah. Beautiful. Otherwise, I'm doing up a whole big strategy TTR wise. And with balance changes, with income changes, it all changes down the track. So we'll have to redo it again anyway. So we'll focus on this part. I can still look at what this looks like in retirement and give you, you know, an ongoing projection to see how how things affect you long term, and then we'll make a future consideration to come back and redo that TTR side of things for you when you're nearly 60. Okay? Beautiful. Now the when I am looking at long term at the retirement aspect, what age do you think you sort of said between sort of 60 to 62 doing the TTR strategy. Are you wanting to stop working fully at 62, or what age do you think you're gonna stop working fully? What age do you think that is that gonna be? 67? Yep. Perfect. So just so you're fully aware, age 67 is the age we're eligible to access the age pension. Under the current legislation, retirement age is actually age 60 for your super if you decide to stop working fully then. So you can retire at 60, access your super fully tax free. At age 65, regardless of whether you're working or not, Darren, they're gonna make it unperserved, unrestricted. So if you come to me in 60 at 65 and go, hey. I just wanna buy a new car. I need this much money. You can draw that out of super. No questions asked. It will be fully, unpreserved and tax free. And then at age 67 is when you're, if eligible, access the age pension. So as part of this strategy, I'll look at your retirement at age 67, look at what we expect based on these recommendations there. I'll also I can also factor in some Centrelink to see if maybe you'll be eligible for Centrelink down there and look at what the longevity asset looks like for you. Happy with that? Does that sound okay? Yeah? Yeah. Yeah. Absolutely. Most definitely. That's okay. We can work on that. Yep. That's okay. Are you wanting to draw down that in retirement, the 95,000, keep that going? Yep. Yep. Yep. Mhmm. Yep. Yep. No. I understand that. It's it's gonna be difficult. I'm 41. This year, I've just turned 41. And looking forward, I can't access super to the age of 60, and I'm doing everything I can to put money into super. I fully understand that the age pension won't disappear completely, but how it's going to be paid in the next twenty to thirty years is gonna have a huge aspect because For what? Yep. Yeah. Correct? Mhmm. Yep. Yep. Yeah. Yeah. Yep. Absolutely. Most definitely. Well, I can factor that into your advice piece for you and show you what the expectation looks like and, you know, where we're going with this at the moment based on these current recommendations. So you've got a little bit of a guide as to what we're looking at. And then as we get closer and closer to that, we can just keep reviewing it. And then when we get to 60, we can look at a TTR and see if that provides a greater longevity and a greater, you know, benefit to you. Okay? Yep. Perfect. All good. One of the things I do here is a lot of the retirement aspects. So I spend all day talking about retirement advice, talking about looking at age pension, things like that. So you're welcome to come and ask me anything you might have. You're welcome to talk to me about those sort of things, and I'll make sure I factor a lot of that into the advice piece for you so you get a bit of a guide on what we're looking at instead of just focusing on super, just the accumulation. This is sort of showing you a little bit of what that looks like when you get to the end of that tunnel there. Okay? Perfect. All good. Is there anything else in the next sort of three to two you know, sort of one to two to three or even five years goal wise that you might be focusing on or that you might wanna achieve. Yep. Yep. That's okay. Another 100. Okay. Yeah. Absolutely. Let's aim for the moon. Yep. Yeah. Absolutely. Well, we'll definitely work on that for you. I'll see what I can do. I'll have a look at just not just the Benelon in your portfolio, but I'll have a look at all the different options for portfolio sides of things and make it a recommendation to update that to see, you know, what's better performing what might help you out, making sure that we're not overexposing you at the same time. Okay? Beautiful. Excellent. The last thing I just wanted to run through is a bit of a risk profile questionnaire as well just to kinda gauge what sort of portfolio you should be in and whether we should be starting to reduce your risk level a little bit or not. The first one here is just asking, have you ever invested in direct shares or managed fund in your own name before? Have you in ever invested outside of Super? Nope. That's okay. The next question here is essentially asking, what sort of risk are you willing to take to try and get those greater returns knowing we do have the ups and downs in the market at the moment? Do you feel like you're more comfortable taking on a higher level of risk to get greater potential returns, or are you a bit more medium? You still want the best returns you can, or you're not wanting to take any risk in the market and you wanna get the best returns you can for that level? Yep. Yep. Yeah. Yeah. Yeah. Mhmm. Yes. Yeah. Yep. Correct. Yeah. Yep. Yeah. Yeah. Absolutely. And then, look, with with your time horizon you have, you can be willing to take on a bit more risk in the market now. It's not a problem at all. The idea is we start taking a bit more risk when you've got, you know, more than ten years or more than, say, six years to access your super. And then when you are about six years away, we start to really reduce that risk level down a bit. But at the same time, we wanna not only have high risk investments, but we wanna diversify and have some low risk investments like cash and bonds. We also wanna have some gold and silver that work defensively at certain times as well to kinda offset the risk level a little bit there. So that's absolutely fine. I can definitely put you in between those two, the high and the medium. It's not a problem. Yep. Excellent. The next one here is just asking if you did see your super fall in value in the next, say, six to twelve months because of what's happening externally, How does that make you feel? How do you think you might be feeling about that? Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Absolutely. That's a really good way of looking at it. That's perfect. So you can sort of sell by with Hub twenty four having that downtime, but also CareSleeper. It's not just the thing about the portfolio. It's definitely more of a market reaction to what's been happening. So in those sorts of instances, do you feel like you just wanna hold and wait? Do you feel like you wanna call us and see what's happening, or do you just wanna sort of wait and see what happens over the course of the next few months? What's your normal reaction to sort of downtime like we're seeing? That's like that's like I'm so you're so awkward. If we say with the market reactions that we do see at the moment, the ups and downs, because it is quite volatile and has been over the last few months as well, seeing those downtimes, like, if your portfolio, say, fell by 20% both in CareSoup and in Hub twenty four, we saw a COVID event or something come like that, Would you be wanting to call us and see what's going on? Would you be a bit more concerned, maybe wanting to be move money to something more safer, or do you think you just sort of hold and wait and see what happens over the course of the next few months? How do you think you might react? Yeah. Yep. Yeah. Yep. Yeah. Yeah. Mhmm. Okay. Perfect. Excellent. All good. Lovely. Well, having a look at that now, the portfolio we sorta have you in, it looks like it's more of a high growth sort of portfolio from where you were. In saying that a high growth investor has about eight years before they're wanting to access their suite. But, generally, you're expecting kind of eight to 10% returns on a yearly basis there, but you do expect a likelihood of a negative return sort of one in every five years as well. We can look at maybe reducing your exposure, looking at more of a growth portfolio, which sees 80% in those growth investments. Again, the likelihood of a negative return is that one in five, and we're expecting or hoping for around about seven to 9% as a return. Did you want me to sort of bring the risk level down just a little bit to that growth sort of environment, still giving you the eighty twenty split, still looking at some of those, the gold and silver and things like that. But just maybe bringing it back a bit for the for the next maybe year or so, or did you wanna stay in that high growth environment? What do you feel? That's okay. Oh, no. You're right. It's all good. No. You are absolutely fine. With where you are at the moment, like, the growth portfolio, did you hear the the information on the high growth portfolio? Was it the last thing you kind of heard? Yep. Yep. With the what you're right. So sorry. You go. You're fine. What we could look at doing with the amount of volatility we are seeing at the moment, we could look at just reducing it back a little bit. Going from that high growth environment, it's reducing your exposure into those growth assets by around about 10%. So we're kinda just pulling back a small amount there. With the growth portfolio, it's about 80% invested in those growth assets still. We still got 20% defensive lower risk investments where generally suits someone who has about six years before they're accessing super. So it does you do have more than the double the time horizon there based on your age and age 67 at the moment. Again, we do expect the likelihood of a negative return about one in every five years, and we're hoping you're pushing for about a seven to 9% return for this sort of portfolio. But this is pulling you back a little bit to begin with. Do you feel fairly fairly comfortable looking at that maybe? Yep. Yep. Realistically, to increase the growth, you'd have to increase the risk level, but decreasing the growth is the growth aspect. Not necessarily isn't gonna decrease the returns, but it is just putting you in more of a not so much a safer position, but more of a defensive position. Does that feel more comfortable? Does that make sense? You're right. Mhmm. Let me just have a look at the, yeah, you're right. Let me just have a look. I have a tool for that because it goes on your age as well. So 55 and the fact that you're a male versus a female. It's amazing the things that they take into account here. So we're, say, 55 and we're a male. Sorry. Yep. So no. No. You're fine. No. I'm I'm absolutely not. Do not worry in any way, shape, or form. I kind of I actually do ask that question quite regularly going now. Just double checking. How do you identify? Because I have been yelled at the past just by assuming. No. That's awesome. Okay. Sorry. That's right. It's a little bit. So 55 for a male. So average based on being a male and a rather 55 years of age, the average super balance is about 301,900 and 20 two. Yeah. Yeah. Based on the the average at the moment. Yeah. So that's okay. Well, I'm comfortable to put you in that growth environment there. I'll look at what we can do with the portfolio, look at adding a bit of commodities in there as well, and what that looks like over the next sort of twelve years based on your age. I'll look at the insurance side of things for you, see what we can get, making sure that you've got access to those funds and any additional benefits that you might be able to access to make sure it's easier for your wife to be able to claim. Just checking because I do take into account, obviously, the retirement aspect, and part of that is also taking into account Yep. Perfect Yep. Perfect. I love that. Love a good barista myself. And do you know roughly what her super balance might be, even just a rough estimate? No idea. That's okay. We'll just go on the fact we'll just work on that she has no super just to kind of work it out. How's she been working your do you know how's she been working for a lot of years, or did she take a massive amount of time off? Okay. Fifteen years. Perfect. Just sort of looking at you're right. Sorry. Yeah. I was thinking probably maybe about 30,000 to work on as a bit of a buffer. It just kind of helps us to look at what the retirement aspect looks like and the longevity of your super and whether, you know, hers can provide a bit of a benefit there as well for you. So I just needed that information just as a bit of a buffer to help me with the research component, but I'll update the advice to reflect, and we'll go through it together. You'll be able to see that. I know a lot of this is me talking, and I don't wanna talk at you. So when I give you the advice, I'll have some visuals in there so you can have a look at everything and see it, and then you get to take it away and read it as well so you can take it in. Okay? Perfect. All good. Well, I have everything I need at the moment to kinda go back. The only last question I had is when it comes to portfolios, you like to see the investments you're in. You did mention you like to look at it on a regular basis. You do like to see where your money's invested and have that clarity. Is that right? Yeah. That's fine. Absolutely fine. Perfect. As you are getting older, sort of looking at I'll probably take away the active management component. I think having more of a passive portfolio can, a, be a little bit lower cost, which means you have more money invested, but it also is taking away some of the risk levels. So having those active managers in your portfolio when you're younger can provide benefit because they're trying to outperform the market. But at the same time, you do pay more for those investment managers, whereas often the passive portfolio can actually give you greater benefit. It's cheaper, leaves more money invested, and often just participating in the market and having more of an active portfolio actually performs better than those active managers do. So you're comfortable with me looking at something low cost, cheaper that's still working for you? Yep. Perfect. Now do you have any questions for me, Darren? I'm sorry. I know everything about you. You're welcome to ask me anything, get me clarify anything additional for you. Or Yep. Yep. That's okay. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Perfect. No. That's okay. Well, if anything does come up, let me know. I am just gonna send you an email after the call as well. It'll have the annual review documents in there. So it's important that we do update our ongoing service agreement for the next twelve months. Now I just wanna make sure you're fully aware of everything. So you do pay an ongoing service fee to our services. That's for us looking after your sleep, but updating your advice, and you have me here whenever you need me as well. I'm gonna put myself on your account as your adviser. So you can I'll also email you after the call so you have my direct email. You can email me these questions. You can call me whenever you need, and I will make sure I'm available for you. I wanna make sure that moving forward, you have that direct contact as well. But you do pay an ongoing service fee to our services. It is one point five percent. Do you understand how all that works? Do you have questions around it? No. It has. Yeah. We yeah. No. That's okay. I'm gonna turn that back on now. I will get send the documents out to you to sign so we can turn that back on, but I'm gonna make sure that you're obviously getting the services as well. And if at any point you feel like you're not, you let me know, and I'll make sure, you know, we're getting sorted. But I wanna make sure we touch base with you a bit more regularly, see how things are going, catch up with you as well, and you'll hear from my team a little bit more constantly. Okay? Easy. I've also got in there the financial services guide, which outlines everything about who we are, what we do, and how we do it. It has all my licensing information and a lovely photo of me there. So you can have a look through that, give a feel for who I am. And if you find you have any concerns about any of that, you let me know. Okay? Perfect. All good. And I'll get stuck into this advice piece. Now I do need to just book in a time for one of my lovely team members to go through a bit of a pre assessment for you. Is there a day or time that generally suits you better for them to run through this? It shouldn't take more than about ten minutes. Yep. Perfect. Now we close at 02:00 on Friday. What time Friday suits you the best? Yep. Perfect. And did you want, like, this time of day? Yep. Perfect. So I'll book it in for the same time. So we are. My goodness, the year is flying by yeah. 02:30 my time. Perfect. And next Tuesday, that brings us to the seventeenth there. Perfect. I'll book it in for 02:30 for you. Of my lovely team will give you a call. Let us run through a bit of a pre assessment. It gets a little bit in-depth around your health and, all those sorts of questions, but it's just so I can really understand what kind of contracts might be offered as part of the advice document when it comes to the insurances. If I have to come back and have another conversation, I'll make sure I follow-up with you. But once that is completed, did you I can book you in for the following week, say, from Monday, the twenty third onwards to have your advice document presented, would you like me to pick one of those days to present that to you? Would that week work for you? Okay. Okay. Perfect. And did you want more in morning or afternoon? What sort of suits you that week? Morning's fine. Perfect. Well, what if I book it in for Wednesday, April 1? That morning, I can actually actually, no. I can do the thirty first, the Tuesday. We can do a first cab off the rank for you. Just double checking. You're in Victoria, so you're an hour ahead of me. If I do 08:00 my time, that's 09:00 your time. Does that sound good? We get it off nice and early. Is that way you can enjoy your day? Yep. Perfect. And I'll add a text message reminder. I'll send you an email shortly just following up. I am gonna have to update your ID as well, look at your ID on file has expired. So I'll get you to send me a copy of your ID. I'll add in the date and time for your pre assessment and a reminder for your SOA presentation on the thirty first, and I'll get stuck into this research for you. How does that sound? Yeah. Perfect. Thank you so much. I'm so sorry, Darren. I know it's a lot. I did a really good review, and I was like, look. We've got a bit to talk about here. We wanna go through things and really update everything for you. So I'm so sorry it took a bit longer, and there was a lot to go through. Yeah. Beautiful. Oh, thanks. Absolutely. Absolutely. Oh, my pleasure. Let's make sure that we don't drop the ball moving forward for you, and I'll make sure we don't. You'll speak to my lovely admin as we're moving forward as well, and we'll take care of you and our little sort of area in a pod here at OQ, make sure we look after you. I will send you an email afterwards, and I'll also get the annual review pack sent out for you. If you can sign that and just reply back with your ID for me, I can take care of the rest, and I'll I'll talk to you in a couple of weeks when I've done all this research. Okay? Thank you so much, Darren. You'll also have my email. So if you do find us any questions, it doesn't matter what the question is, you just email me and ask me, and I'll happily make time to reply back to you. Okay? It is my pleasure. You have a wonderful afternoon. It's been a pleasure. Thanks. Talk to you soon. See you later. 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Darren. It's Dana from Okie Financial. How are you this afternoon? I'm very well. Thank you.\n\nThank you for asking. I had you booked in to go through an annual review today. Is now still a good time there for you? Yes. Fantastic.\n\nHow's your day been so far? Fantastic. That's always a good thing, and it's halfway through the week, so we're on our way to the weekend now. Alright. All good, Darren.\n\nBefore we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Lovely. And just to do security there with you as well, we are discussing your personal information. So I'll just need to confirm your full name, date of birth, and address I should have on file.\n\nYes. Yep. Beautiful. Thank you so much for that. I had a bit of a look.\n\nI know you did speak to my colleague Samantha the other week to book in the review today. She did go through a bit of a fax line with you, which is fantastic. You had a couple of questions there about wanting to maybe look at trends as your retirement strategies and review your super as well. Is that right? Is there anything else that might be important to touch base on today?\n\nYeah. Yep. Yeah. Yep. Yeah.\n\nYeah. That's okay. Not a problem at all. I did sorta have a look at few at things before the call. There is definitely probably some advice to definitely update there for you.\n\nI know one of the things was you do have your Care Super insurances at the moment. So I'll start by just giving you an updated balance. We do send you a new review pack after the call as well, so I'll make sure you do get a copy of all these documents sent out to you to be able to review. But at the moment, having a look at your Super balance there, as of today's date, in Hub twenty four, we have a balance of 187,476 and 47¢. Within CareSafe today, a balance of $15,477.86.\n\nHaving a look at the way the market has reacted and your portfolio over the last twelve months, now your return is lower at the moment. The return for the last twelve months for a whole in your portfolio is actually just over 1%. So it's 0.7 for the year, which is quite low. Definitely not what we would have wanted. When I kind of run through all the individual investments and how they performed individually, most of them have done really well.\n\nSo you do have, like, your Global Healthcare that is showing a little bit of a dip at the moment down about 6%. Your Vanguard conservative index fund is up over 6.48%. European and Asia exposure is up over 35% and about 6% there respectively. The S and P 500 is up around that 7.89. Your battery and lithium tax done really well.\n\nIt's the best performer. That's up over 65.49% for the year, which is good. And then the agriculture is up over 31.37% there. Your Bannalong Australian Equities is kind of what's really pulling your portfolio back a little bit. So Bennelong, when that was put into the portfolio, was there to give you some active management in there.\n\nBennelong, as opposed to as part of their strategy, be updating their underlying investments within the funds there to sort of make sure they're invested in the highest quality. Bannalong, unfortunately, late last year and early this year, had a bit of an issue with one of their underlying investments. I'm not sure if you've seen in the news or not, but Corporate Traveler had come out in when they had disclosed the market, but it had been a bit dishonest to their investors there. That unfortunately meant that Benelongs had to reevaluate Corporate Traveler as an investment, which meant that all of our analysts have gone back and reevaluated Benelong. In your portfolio as a whole, that is down by 18.35%.\n\nSo that is what's dragging your portfolio down pretty heavily at the moment. We wanna get rid of it. Absolutely. Part of the review I wanna do today is to update the advice. We do wanna remove that from the portfolios now completely.\n\nAs much as we don't realistically wanna be selling things when they are in a dip, it is important to take what we can out of there now. And maneuvering the portfolio now, we can essentially take the fact that Van Along is down, and we can offset capital gains with the with the losses that Van Along has seen in your portfolio. So as a whole, I definitely wanna get rid of that. But I also wanted to have a chat to you a bit more about your other goals around the retirement aspect because you're 55 now. Yes.\n\nAnd that's a good thing because you are getting closer and closer to those years where you might be considering accessing super. So we might have a look at reviewing the super, the portfolio for you, do an updated advice document, but then also look at the retirement aspect for you down the track and look at where this is taking you and what this looks like for your retirement years. Does that sound like something you'd be open to me doing? Yep. Perfect.\n\nAll good. So one of the things is we are definitely gonna get rid of Van Along there. I will have a look at sort of what else is important with regard to investments. But is there anything that sort of piques your interest anywhere you would like to see your super mainly invested in or anything else you want us to maybe take advantage of or have a look at for you investment wise? Absolutely.\n\nI can see there's not any in here that I can see as a whole, so I will definitely have a look at some physical gold for you. Did you want me to look at some silver as well? Yeah. Yep. Yep.\n\nPerfect. Yep. Mhmm. Yep. Mhmm.\n\nYep. Yeah. Absolutely. I do definitely like a bit of gold and silver in a portfolio. They are both growth investments, but they do have that defensive capacity to them.\n\nSo when markets aren't doing so well and kinda looking at ways to, you know, reduce the risk level overall when, say, equities aren't performing as well, then people do tend to move money into gold and silver, particularly gold, but silver can work defensively as well. So I will definitely wanna put some of that in your portfolio, and I can have a look at what to do there. With regard to the copper, I can definitely have a look at what options are available, what might be available in Hub 24 for you, but it is also about making sure we're not overexposing you to growth assets and increasing the risk levels. And some of the copper asset can see increasing the risk. Did you want me just to focus on the gold and silver with keep that defensive aspect?\n\nOr yep. Yep. Yep. Absolutely. I can do that.\n\nNot a problem at all. So as part of the research, I'll go back and have a look at everything. I'll come up with an advice piece to show you. It'll show you what we're recommending you, move your money into, how and why the advantages, disadvantages, and the risks involved, and then you get to just to tell me whether you're happy to take that or not. Does that sound like a plan?\n\nYep. Perfect. Fantastic. So that's just that side of things. But, overall, your portfolio is definitely up.\n\nSo as much as it's a much smaller return than we'd normally expect, it is good to see it isn't still a positive return there. I did also just pull up your, sorry, documents from the last annual review. So sorry, your last annual review, your balance then was about 162,000 in hub 24 and '18 in CareSoupers. So you have '24, whilst we have rolled some money in, has still had a bit of a benefit of growth over the last year as well there. '20 20 four.\n\nYeah. Yeah. No. That's it. Yeah.\n\nYeah. We'll make sure that that doesn't happen moving forward there for you. I do apologize. That's why I wanted to make sure we touch base today and really have a bit of a chat and see where things are going for you. And we can update that advice piece to sort of really give you an idea on where we're heading, where we're tracking, and what this looks like to help you along with your goals there.\n\nOkay? Yeah. Beautiful. Now looking forward at your goals there, when are you sort of hoping to be able to maybe retire, access your super? What would be what you what are you after?\n\nMhmm. Yep. Yep. Yep. Mhmm.\n\nMhmm. Yeah. Yep. Yep. Yep.\n\nYeah. Absolutely. So when we do sort of retain something like CareSoup, but we do only really wanna retain that for a period of time until we can either get new cover or you no longer need that cover because you are paying more in the way of fees. And if we can kinda consolidate everything into one place, you do have that benefit of more money makes more money. So I do definitely agree.\n\nWhat I would probably do is I just wanna maybe do a bit of a, have a really good look at your health side of things and do a bit of an updated pre assessment for you. After the call, I'll book in one of my lovely admin team to go through a bit of a pre assessment with you either later this week or early next week to kind of really get a guide for what kind of what you're after, what we're able to obtain when it comes to insurances. Are you wanting sort of life, TPD, and income protection like you have now, or is it just life? What's important to you with regard to the insurances? Yep.\n\nYeah. Yeah. Yeah. That's correct. Mhmm.\n\nYep. Okay. Yep. Okay. Perfect.\n\nYeah. Absolutely. Because with the death benefit you have there at the moment, now I've got down here that you've got no assets noted. So are you renting where you are at the moment? Yeah.\n\nHow much rent are you paying on a regular basis? Maybe 40 fifty per month. Yeah. That's okay. Because, realistically, that's one of the biggest things.\n\nIf if you were to pass away prematurely, obviously, the the the rent still has to be paid, so your wife doesn't need to cover your rent continuously. That was $18.50 per month, wasn't it? Yeah. Perfect. Just like to check that because rents are exorbitant in some areas.\n\nSo, yeah, the rent would still definitely have to be paid. So you'd be comfortable with around about the 350 to 400,000 of life and TBD. Realistically, you don't feel there's any benefit to the income protection. You're happy to cancel that? Yep.\n\nPerfect. What I can do yeah. Yeah. Absolutely. What I would do is don't cancel it now.\n\nWait till I update the advice for you. I will try and have the advice done really fast to make it easier on you. We'll go through it. You can see, obviously, the advantages, disadvantages, the risks involved. But I also wanna make sure I can get new cover for you as well.\n\nI wanna make sure that the level of cover we can get is gonna give you what you're after. It's not gonna cost too much, but it's also not gonna eat away too much if you sleep. Because one of the really big things to consider is as we get older, the risk of us making a claim increases. So insurances do get more expensive as well. So we'll go through this today.\n\nI'll get one of the teams to go through a a pre assessment questionnaire with you, get a bit more of an idea. Essentially, it's just more an in-depth question around your health, your past health, what that looks like, and then I can do the research on the insurances, research the super, research the portfolio, and see where this is taking us there. Are you okay with that? Yep. Beautiful.\n\nI wanna make sure we do this properly for you. So I wanna make sure that you can get cover what that looks like, but I wanna make sure your super is also working for you as well. There's no point having insurances if it's just gonna eat away all of your super and provide no benefit later on down the track. So, yep. Yeah.\n\nYeah. I'm so sorry. Yeah. Yes. Yes.\n\nYep. Yep. So with that, as long as she gets the death certificate and is the executor yeah. Is the executor of his state and gets a death certificate and everything straight away, The assessment can be done on super. I have done seen super and life insurance assessments done within, say, forty eight to seventy two hours.\n\nThey can be done faster, but it does depend upon the assessment and, obviously, the the backlog with the insurance company. Now one of the other things to consider is with life insurance held inside Super, you don't get access to, like, an up up front lump sum benefit to pay for funeral costs. You have to wait for that money to come down. If you were to, say, hypothetically pass away, does do you guys have access to enough money to, say, cover the cost of a funeral or something like that? No.\n\nSo she would need money fairly quickly to help that that sort of cover. Yep. There are depending on kind of what your expenditure looks like, there are ways to set up, like, funeral bonds and things like that that can pay out. In saying that, if once you turn 60, you have access to all of that money if you decide to retire. So we could always, you know, take a bit of money out.\n\nBut the way it is structured at the moment, it can take a couple of days to a week to have that paid out. Essentially, once the assessment is completed, the money is paid out very, very quickly. It can be drawn out as super, very fast to your beneficiary, but it does take that initial assessment. So it's about just sort of looking at how you guys might have to fund the funeral. Do you have money to fall back on?\n\nWould she have to maybe access some savings or ask a friend? What do you think what would she have to do in that scenario? Yeah. Okay. Do yeah.\n\nDo you have much in the way of expendable income that you are able to maybe invest elsewhere to set up, like, a funeral policy or something? Nothing? Okay. Right. Yeah.\n\nYeah. Yeah. Okay. Yeah. Yep.\n\nOkay. What are the that that is completely understandable. Another thing I'm just sort of looking at the options wise is with the life insurance, if I was to maybe draw up a bit of a quote and maybe recommend just a small portion of that life cover we paid outside of super, that can, in the event of death, provide, like, a lump sum benefit paid down for a funeral that can be paid out generally within twenty four hours once the death certificate has been provided to the insurer. If I was to maybe get a quote ahead of time to look at what that might look like for you, would you like to see that, or do you just want me to add that into the recommendation to sort of show you what this looks like to give you a backup option in the event of passing. Yep.\n\nYep. Yep. Perfect. And the way we sort of look at this is that with the life cover, most of it would be paid in side super. So you have the benefit of not having to pay the premiums out of your back pocket there.\n\nBut it's normally in a very small portion, and it's called flexi linking. And, essentially, a small portion paid out of your back pocket, normally, that sort of two to 5% there. And the same thing comes with TBD. So the other thing to look at is with TBD, in order to be able to claim on that inside super, you have to meet in any any debt occupation definition. So you have to be able to never go back to work again for any occupation for which you are trained, educated, or have worked.\n\nSo you can understand it's a pretty hard definition to claim on. If you were to if I was to structure this, so a small portion of your life NTPD, it could be very cheap. I'll make sure it's the most minimal cost possible is paid out of your pocket. You can access an own definition. That means that if you were TBD'd, you would only have to they look at the Antioch patient definition first.\n\nBut then if you don't meet that, they look at what you were doing prior to the disability, and it's much easier to claim on not being able to go back to your occupation prior to disability rather than any occupation you've ever worked or trained. Does that kind of make sense? Yeah. Yeah. Yeah.\n\nAbsolutely. Yeah. Mhmm. Yeah. Yes.\n\nYep. Yep. That's cost effective as possible to limit the effect, but make sure that you have maybe a small amount of them paid outside of super. Limit the cost as much as possible to maximize the benefit in the event that you're having to claim. Does that sound Yep.\n\nYep. Halfway. No. No. It's all good.\n\nNo. Not quite. So what this is, essentially, with the life and TPD side of things, it's structured so the super fund pays for majority of the premiums. A small portion, generally around about three to 5%, would be paid out of your bank account, your credit card, or however you would wanna pay the premiums. That out of pocket cost comes out of your card or bank account on a monthly basis or weekly, however you wanna structure it.\n\nIt's a smaller cost. Most of it's paid out of super, but that small premium paid outside of super out of your bank account or credit card, that allows you to access this additional benefits that aren't available to policies held solely inside Super. Does that make sense? Sorry. Yeah.\n\nThat's okay. That's all good. It's really good to kinda clarify these things. I also try to be as on the like, as on point and be as honest with you as possible. And I have to let you know, I don't know if anyone's ever told you before, but if you were to claim TPD and you claim under the age of 60, TPD is actually a taxable payment.\n\nSo the amount you are covered for isn't necessarily how much you're going to get. The I'm so sorry. Essentially, with TBD, if you claim TBD and you're under the age of 60, you your super gets released well because we claim incapacity against your super. So everything is released, which is fantastic. However, if you're under the age of 60, tax is actually on the TBD payout.\n\nIt's on the taxable component inside super, and it's up to 22% depending on a few factors. They have a fund math equation that looks at your age that you're claiming versus the age of 65. They look at how much is in your taxable versus tax free components. There are things that we can do. So if you were to claim on TBD, I would say come and see me.\n\nLet's do advice. We can look at ways to reduce or minimize that tax component. That way, you know, you might be getting an income stream and taking smaller amounts on a regular basis. We can do uplifts and all sorts of fun things to kinda help reduce that tax side of things. So I just have to let you know tax is paid on TPD.\n\nDid you want me to look at ways to, like, factor in the tax, the 22%, or just look at that $3.50 to 400,000 and not sort of worry about the tax when we deal with that if and when at the time of claim? What do you think? And be honest. Sorry. Everyone hates the tax side of things, and I I think it's wrong that tax should be on a TBD claim.\n\nIf you can't work due to disability, you should not be paying tax on that money. It's wrong. It is. Yep. It does reduce the amount that you're able to claim on.\n\nI can look at trying to bump it up to account for the 22% tax so that the amount you get paid is at 300 so $3.50 to 400 after the tax is considered, which gives you a a higher amount. It's up to you. I can work it either way. I also wanna make it cost effective and not too expensive because they do get more expensive as life goes on. So I wanted to find out more about what you're wanting.\n\nDid you want me just to look at those $35,400,000 knowing that we can obviously, if you did have to claim, this is a kind of a worst case scenario because you may never have to claim as well. We just keep it keep it cost effective for now. And if you had the claim, then we do everything we can advise wise to minimize the tax consequences for you. Yeah? Okay.\n\nCool. No worries at all. Perfect. $3.50 to 400. Lovely.\n\nYeah. I honestly do disagree with that. It's one thing I don't like about the system is the tax side of things. I think if you're disabled and can never go back to work again, the last thing they should be doing is taxing you on it. It's not fair in any way, shape, or form.\n\nOn the super component for disability? You're right. For the death benefit? No. No.\n\nSo with the death benefit, if you were to pass away and your spouse is your beneficiary, she receives the benefit tax free. Yeah. She meets the definition under both the CIS Act and the tax act. So, no, she can receive the full benefit tax free if you pass away. Absolutely.\n\nYep. Yep. So if for you passing away, no. Death benefit is completely tax free. And the same with the life insurance.\n\nIt's just the TBD. It's just total permanent disability because that's you claiming and you're still technically alive. If you TPD'd and you're over 60, then it's fully tax free. There's no tax consequences on that. So yeah.\n\nBut the life benefit paid out on death to your spouse is tax free. That's a life insurance and the super component. Okay? Does that clear it up? Does that make it a bit clearer for you?\n\nYep. Yeah. Look. You're probably worth more a lot a lot more alive, and that's what we wanna focus on. But yes.\n\nYeah. Yes. Yep. Yep. That's absolutely fine.\n\nLet leave that with me. I'll go back and have a look at everything I can, make it cost effective, make sure it's working for you. I'll update the advice document to reflect all of this for you, then you'll get to see what my recommendations are, the advantages, the disadvantages, and the risks involved, and then you get to tell me whether you take all of them, some of them, or none of them. It's completely your decision. Okay.\n\nYep. Perfect. Lovely. I'm sorry that I'm telling you things that you've probably never heard of before. I just wanna make sure.\n\nI like to be honest and make sure you're fully aware of what you have, how it works, what you can claim on, things like that. So yeah. Absolutely. Yeah. No.\n\nPerfect. All good. And you're comfortable with me making the recommendation to cancel the income protection? You've got plenty of leaves there. The income protection is not any concern to you.\n\nYep. Perfect. Excellent. All good. There is one other type of insurance I just have to talk to you about.\n\nIt's called trauma. I don't know if anyone's ever spoken to you about what trauma is. Trauma tends to pay out a lump sum tax free benefit if you were diagnosed with, say, a heart attack, a stroke, certain neurological conditions, cancer is probably the biggest one. You can't hold trauma inside, super. It is fully out of your back pocket, and I know money can be a bit tight.\n\nYou guys live pay week to pay week. Did you want me to look at maybe making a recommendation for trauma, or you're happy just to focus on the life and TB, not interested in anything more? Yep. Yeah. Absolutely can.\n\nMost definitely. Most people want to look at and look, it's different for everyone because trauma can be it's a tax free lump sum benefit payment in the event of one of these diagnoses. Some people just want, like, one year's worth of living expenses. It gives them time to take one year off. Some people maybe want two or three years worth of income.\n\nWhat do you wanna see just to begin with this advice case for trauma? Just one year's worth of gross income or net income. Yeah? Yep. Perfect.\n\nI'll acts perfect. I'll show you what it looks like, the cost of it, how it affects you, and then you can tell me whether you decide to take that or not. Okay? Perfect. I've got down here that you don't have any assets noted, any cars or anything that might have value.\n\nNope. That's okay. One thing we do like to take into account and is really important to consider is contents. Do you guys have contents insurance? Yep.\n\nOh, I'm so sorry. When we do sort of look at the retirement aspect and Centrelink and things like that, we do need to take into account assets. So would would you put a value on your contents, or are you happy with me just I normally work on, like, five or 10000% link assessments for content. Are you happy for me just to use that? Yep.\n\nPerfect. Excellent. And no collections, no tools, or or, you know, no jewelry or anything that might be of value? Nope. That's yep.\n\nThat's okay. Perfect. Thank you for updating that for me. Credit cards and debts or anything big like that, do you have personal loans, credit cards, or buy now, pay laters? Yep.\n\nAnd okay. Perfect. I'll have to. Yep. Perfect.\n\nThank you for updating those details there for me, Darren. The other thing to think about, I can see here you just haven't had a will or power of attorney drawn up. Have you guys talked about doing any of that? Yep. No.\n\nThat's understandable. As part of the recommendations, I do always look at the estate planning side of things for you as well. You did mention that, obviously, you want your super and your life card to be paid out to your wife in the event that something does happen. I'm just checking. I've got Tanya down as your wife's name.\n\nIs that right? Yep. I'm just logging in to hub 24 to check that for you because we do wanna that is another factor to kind of take into account. But just while yeah. That's okay.\n\nSorry. Two seconds. Two factor authentication. Mhmm. Security measures are crazy sometimes.\n\nThere we go. Beautiful. The with the will and the estate planning side of things, it is definitely a conversation to have. If you like, I can get one of my beautiful admin team to send you an email with some details on a local source so that we can refer you to. It's not a referral.\n\nIt's just some information and a bit of a costing on how much it costs to do a will with them just to sort of start the conversation between yourself and Tanya. Did you want me to organize that for you? Yep. Beautiful. Excellent.\n\nAnd just looking at your beneficiary nomination now, the good thing is it is here a 100%, Tanya. We love that. It is a non lapsing binding. So correct binding binds to trust you to follow your direction, and non lapsing means you don't have to fill out the form again. It stays in place until you revoke that nomination, so you're happy for that to stay as it is.\n\nYeah. I would that's cool. I can't log in to CareSoup at the moment, but we do have an authority. So I will go back after the call and just double check that it is all in place. And if it's not, I'll make a recommendation to update that for you.\n\nOkay? Yep. Perfect. So with that, I will hold off on transferring the $5 now. I'll do it when we update the advice.\n\nSo I should be able to have the advice ready for you in about two weeks. After the call, I can book you back in for the advice piece to be presented. We can come back and look at that, and then I can organize that additional rollover for you and everything else. Is that okay? Yep.\n\nBeautiful. Everything else looks like it's pretty well on par here. I've got Tanya down as your next as Kim, which is fantastic. Retirement age, do you know I know we talked about the the trends with your retirement strategies just before, and you wanted to look at how that looks for you at the moment. With a TTR strategy, we kind of can't put that in place now.\n\nWe'll have to wait until just before you turn age 60 just because we have to work on the income you have then, the super balance you have then, how much we there's a kind of a lot to it. Are you happy if I just focus on this now? I can still look at how this affects your retirement moving forward, but we just make future considerations to reassess the TTR strategy down the track. Is that okay with you? Yeah.\n\nBeautiful. Otherwise, I'm doing up a whole big strategy TTR wise. And with balance changes, with income changes, it all changes down the track. So we'll have to redo it again anyway. So we'll focus on this part.\n\nI can still look at what this looks like in retirement and give you, you know, an ongoing projection to see how how things affect you long term, and then we'll make a future consideration to come back and redo that TTR side of things for you when you're nearly 60. Okay? Beautiful. Now the when I am looking at long term at the retirement aspect, what age do you think you sort of said between sort of 60 to 62 doing the TTR strategy. Are you wanting to stop working fully at 62, or what age do you think you're gonna stop working fully?\n\nWhat age do you think that is that gonna be? 67? Yep. Perfect. So just so you're fully aware, age 67 is the age we're eligible to access the age pension.\n\nUnder the current legislation, retirement age is actually age 60 for your super if you decide to stop working fully then. So you can retire at 60, access your super fully tax free. At age 65, regardless of whether you're working or not, Darren, they're gonna make it unperserved, unrestricted. So if you come to me in 60 at 65 and go, hey. I just wanna buy a new car.\n\nI need this much money. You can draw that out of super. No questions asked. It will be fully, unpreserved and tax free. And then at age 67 is when you're, if eligible, access the age pension.\n\nSo as part of this strategy, I'll look at your retirement at age 67, look at what we expect based on these recommendations there. I'll also I can also factor in some Centrelink to see if maybe you'll be eligible for Centrelink down there and look at what the longevity asset looks like for you. Happy with that? Does that sound okay? Yeah?\n\nYeah. Yeah. Absolutely. Most definitely. That's okay.\n\nWe can work on that. Yep. That's okay. Are you wanting to draw down that in retirement, the 95,000, keep that going? Yep.\n\nYep. Yep. Mhmm. Yep. Yep.\n\nNo. I understand that. It's it's gonna be difficult. I'm 41. This year, I've just turned 41.\n\nAnd looking forward, I can't access super to the age of 60, and I'm doing everything I can to put money into super. I fully understand that the age pension won't disappear completely, but how it's going to be paid in the next twenty to thirty years is gonna have a huge aspect because For what? Yep. Yeah. Correct?\n\nMhmm. Yep. Yep. Yeah. Yeah.\n\nYep. Absolutely. Most definitely. Well, I can factor that into your advice piece for you and show you what the expectation looks like and, you know, where we're going with this at the moment based on these current recommendations. So you've got a little bit of a guide as to what we're looking at.\n\nAnd then as we get closer and closer to that, we can just keep reviewing it. And then when we get to 60, we can look at a TTR and see if that provides a greater longevity and a greater, you know, benefit to you. Okay? Yep. Perfect.\n\nAll good. One of the things I do here is a lot of the retirement aspects. So I spend all day talking about retirement advice, talking about looking at age pension, things like that. So you're welcome to come and ask me anything you might have. You're welcome to talk to me about those sort of things, and I'll make sure I factor a lot of that into the advice piece for you so you get a bit of a guide on what we're looking at instead of just focusing on super, just the accumulation.\n\nThis is sort of showing you a little bit of what that looks like when you get to the end of that tunnel there. Okay? Perfect. All good. Is there anything else in the next sort of three to two you know, sort of one to two to three or even five years goal wise that you might be focusing on or that you might wanna achieve.\n\nYep. Yep. That's okay. Another 100. Okay.\n\nYeah. Absolutely. Let's aim for the moon. Yep. Yeah.\n\nAbsolutely. Well, we'll definitely work on that for you. I'll see what I can do. I'll have a look at just not just the Benelon in your portfolio, but I'll have a look at all the different options for portfolio sides of things and make it a recommendation to update that to see, you know, what's better performing what might help you out, making sure that we're not overexposing you at the same time. Okay?\n\nBeautiful. Excellent. The last thing I just wanted to run through is a bit of a risk profile questionnaire as well just to kinda gauge what sort of portfolio you should be in and whether we should be starting to reduce your risk level a little bit or not. The first one here is just asking, have you ever invested in direct shares or managed fund in your own name before? Have you in ever invested outside of Super?\n\nNope. That's okay. The next question here is essentially asking, what sort of risk are you willing to take to try and get those greater returns knowing we do have the ups and downs in the market at the moment? Do you feel like you're more comfortable taking on a higher level of risk to get greater potential returns, or are you a bit more medium? You still want the best returns you can, or you're not wanting to take any risk in the market and you wanna get the best returns you can for that level?\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nMhmm. Yes. Yeah. Yep. Correct.\n\nYeah. Yep. Yeah. Yeah. Absolutely.\n\nAnd then, look, with with your time horizon you have, you can be willing to take on a bit more risk in the market now. It's not a problem at all. The idea is we start taking a bit more risk when you've got, you know, more than ten years or more than, say, six years to access your super. And then when you are about six years away, we start to really reduce that risk level down a bit. But at the same time, we wanna not only have high risk investments, but we wanna diversify and have some low risk investments like cash and bonds.\n\nWe also wanna have some gold and silver that work defensively at certain times as well to kinda offset the risk level a little bit there. So that's absolutely fine. I can definitely put you in between those two, the high and the medium. It's not a problem. Yep.\n\nExcellent. The next one here is just asking if you did see your super fall in value in the next, say, six to twelve months because of what's happening externally, How does that make you feel? How do you think you might be feeling about that? Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. Absolutely. That's a really good way of looking at it. That's perfect. So you can sort of sell by with Hub twenty four having that downtime, but also CareSleeper.\n\nIt's not just the thing about the portfolio. It's definitely more of a market reaction to what's been happening. So in those sorts of instances, do you feel like you just wanna hold and wait? Do you feel like you wanna call us and see what's happening, or do you just wanna sort of wait and see what happens over the course of the next few months? What's your normal reaction to sort of downtime like we're seeing?\n\nThat's like that's like I'm so you're so awkward. If we say with the market reactions that we do see at the moment, the ups and downs, because it is quite volatile and has been over the last few months as well, seeing those downtimes, like, if your portfolio, say, fell by 20% both in CareSoup and in Hub twenty four, we saw a COVID event or something come like that, Would you be wanting to call us and see what's going on? Would you be a bit more concerned, maybe wanting to be move money to something more safer, or do you think you just sort of hold and wait and see what happens over the course of the next few months? How do you think you might react? Yeah.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nMhmm. Okay. Perfect. Excellent. All good.\n\nLovely. Well, having a look at that now, the portfolio we sorta have you in, it looks like it's more of a high growth sort of portfolio from where you were. In saying that a high growth investor has about eight years before they're wanting to access their suite. But, generally, you're expecting kind of eight to 10% returns on a yearly basis there, but you do expect a likelihood of a negative return sort of one in every five years as well. We can look at maybe reducing your exposure, looking at more of a growth portfolio, which sees 80% in those growth investments.\n\nAgain, the likelihood of a negative return is that one in five, and we're expecting or hoping for around about seven to 9% as a return. Did you want me to sort of bring the risk level down just a little bit to that growth sort of environment, still giving you the eighty twenty split, still looking at some of those, the gold and silver and things like that. But just maybe bringing it back a bit for the for the next maybe year or so, or did you wanna stay in that high growth environment? What do you feel? That's okay.\n\nOh, no. You're right. It's all good. No. You are absolutely fine.\n\nWith where you are at the moment, like, the growth portfolio, did you hear the the information on the high growth portfolio? Was it the last thing you kind of heard? Yep. Yep. With the what you're right.\n\nSo sorry. You go. You're fine. What we could look at doing with the amount of volatility we are seeing at the moment, we could look at just reducing it back a little bit. Going from that high growth environment, it's reducing your exposure into those growth assets by around about 10%.\n\nSo we're kinda just pulling back a small amount there. With the growth portfolio, it's about 80% invested in those growth assets still. We still got 20% defensive lower risk investments where generally suits someone who has about six years before they're accessing super. So it does you do have more than the double the time horizon there based on your age and age 67 at the moment. Again, we do expect the likelihood of a negative return about one in every five years, and we're hoping you're pushing for about a seven to 9% return for this sort of portfolio.\n\nBut this is pulling you back a little bit to begin with. Do you feel fairly fairly comfortable looking at that maybe? Yep. Yep. Realistically, to increase the growth, you'd have to increase the risk level, but decreasing the growth is the growth aspect.\n\nNot necessarily isn't gonna decrease the returns, but it is just putting you in more of a not so much a safer position, but more of a defensive position. Does that feel more comfortable? Does that make sense? You're right. Mhmm.\n\nLet me just have a look at the, yeah, you're right. Let me just have a look. I have a tool for that because it goes on your age as well. So 55 and the fact that you're a male versus a female. It's amazing the things that they take into account here.\n\nSo we're, say, 55 and we're a male. Sorry. Yep. So no. No.\n\nYou're fine. No. I'm I'm absolutely not. Do not worry in any way, shape, or form. I kind of I actually do ask that question quite regularly going now.\n\nJust double checking. How do you identify? Because I have been yelled at the past just by assuming. No. That's awesome.\n\nOkay. Sorry. That's right. It's a little bit. So 55 for a male.\n\nSo average based on being a male and a rather 55 years of age, the average super balance is about 301,900 and 20 two. Yeah. Yeah. Based on the the average at the moment. Yeah.\n\nSo that's okay. Well, I'm comfortable to put you in that growth environment there. I'll look at what we can do with the portfolio, look at adding a bit of commodities in there as well, and what that looks like over the next sort of twelve years based on your age. I'll look at the insurance side of things for you, see what we can get, making sure that you've got access to those funds and any additional benefits that you might be able to access to make sure it's easier for your wife to be able to claim. Just checking because I do take into account, obviously, the retirement aspect, and part of that is also taking into account Yep.\n\nPerfect Yep. Perfect. I love that. Love a good barista myself. And do you know roughly what her super balance might be, even just a rough estimate?\n\nNo idea. That's okay. We'll just go on the fact we'll just work on that she has no super just to kind of work it out. How's she been working your do you know how's she been working for a lot of years, or did she take a massive amount of time off? Okay.\n\nFifteen years. Perfect. Just sort of looking at you're right. Sorry. Yeah.\n\nI was thinking probably maybe about 30,000 to work on as a bit of a buffer. It just kind of helps us to look at what the retirement aspect looks like and the longevity of your super and whether, you know, hers can provide a bit of a benefit there as well for you. So I just needed that information just as a bit of a buffer to help me with the research component, but I'll update the advice to reflect, and we'll go through it together. You'll be able to see that. I know a lot of this is me talking, and I don't wanna talk at you.\n\nSo when I give you the advice, I'll have some visuals in there so you can have a look at everything and see it, and then you get to take it away and read it as well so you can take it in. Okay? Perfect. All good. Well, I have everything I need at the moment to kinda go back.\n\nThe only last question I had is when it comes to portfolios, you like to see the investments you're in. You did mention you like to look at it on a regular basis. You do like to see where your money's invested and have that clarity. Is that right? Yeah.\n\nThat's fine. Absolutely fine. Perfect. As you are getting older, sort of looking at I'll probably take away the active management component. I think having more of a passive portfolio can, a, be a little bit lower cost, which means you have more money invested, but it also is taking away some of the risk levels.\n\nSo having those active managers in your portfolio when you're younger can provide benefit because they're trying to outperform the market. But at the same time, you do pay more for those investment managers, whereas often the passive portfolio can actually give you greater benefit. It's cheaper, leaves more money invested, and often just participating in the market and having more of an active portfolio actually performs better than those active managers do. So you're comfortable with me looking at something low cost, cheaper that's still working for you? Yep.\n\nPerfect. Now do you have any questions for me, Darren? I'm sorry. I know everything about you. You're welcome to ask me anything, get me clarify anything additional for you.\n\nOr Yep. Yep. That's okay. Yeah. Yeah.\n\nYeah. Yep. Yep. Yeah. Yeah.\n\nYeah. Yeah. Yep. Perfect. No.\n\nThat's okay. Well, if anything does come up, let me know. I am just gonna send you an email after the call as well. It'll have the annual review documents in there. So it's important that we do update our ongoing service agreement for the next twelve months.\n\nNow I just wanna make sure you're fully aware of everything. So you do pay an ongoing service fee to our services. That's for us looking after your sleep, but updating your advice, and you have me here whenever you need me as well. I'm gonna put myself on your account as your adviser. So you can I'll also email you after the call so you have my direct email.\n\nYou can email me these questions. You can call me whenever you need, and I will make sure I'm available for you. I wanna make sure that moving forward, you have that direct contact as well. But you do pay an ongoing service fee to our services. It is one point five percent.\n\nDo you understand how all that works? Do you have questions around it? No. It has. Yeah.\n\nWe yeah. No. That's okay. I'm gonna turn that back on now. I will get send the documents out to you to sign so we can turn that back on, but I'm gonna make sure that you're obviously getting the services as well.\n\nAnd if at any point you feel like you're not, you let me know, and I'll make sure, you know, we're getting sorted. But I wanna make sure we touch base with you a bit more regularly, see how things are going, catch up with you as well, and you'll hear from my team a little bit more constantly. Okay? Easy. I've also got in there the financial services guide, which outlines everything about who we are, what we do, and how we do it.\n\nIt has all my licensing information and a lovely photo of me there. So you can have a look through that, give a feel for who I am. And if you find you have any concerns about any of that, you let me know. Okay? Perfect.\n\nAll good. And I'll get stuck into this advice piece. Now I do need to just book in a time for one of my lovely team members to go through a bit of a pre assessment for you. Is there a day or time that generally suits you better for them to run through this? It shouldn't take more than about ten minutes.\n\nYep. Perfect. Now we close at 02:00 on Friday. What time Friday suits you the best? Yep.\n\nPerfect. And did you want, like, this time of day? Yep. Perfect. So I'll book it in for the same time.\n\nSo we are. My goodness, the year is flying by yeah. 02:30 my time. Perfect. And next Tuesday, that brings us to the seventeenth there.\n\nPerfect. I'll book it in for 02:30 for you. Of my lovely team will give you a call. Let us run through a bit of a pre assessment. It gets a little bit in-depth around your health and, all those sorts of questions, but it's just so I can really understand what kind of contracts might be offered as part of the advice document when it comes to the insurances.\n\nIf I have to come back and have another conversation, I'll make sure I follow-up with you. But once that is completed, did you I can book you in for the following week, say, from Monday, the twenty third onwards to have your advice document presented, would you like me to pick one of those days to present that to you? Would that week work for you? Okay. Okay.\n\nPerfect. And did you want more in morning or afternoon? What sort of suits you that week? Morning's fine. Perfect.\n\nWell, what if I book it in for Wednesday, April 1? That morning, I can actually actually, no. I can do the thirty first, the Tuesday. We can do a first cab off the rank for you. Just double checking.\n\nYou're in Victoria, so you're an hour ahead of me. If I do 08:00 my time, that's 09:00 your time. Does that sound good? We get it off nice and early. Is that way you can enjoy your day?\n\nYep. Perfect. And I'll add a text message reminder. I'll send you an email shortly just following up. I am gonna have to update your ID as well, look at your ID on file has expired.\n\nSo I'll get you to send me a copy of your ID. I'll add in the date and time for your pre assessment and a reminder for your SOA presentation on the thirty first, and I'll get stuck into this research for you. How does that sound? Yeah. Perfect.\n\nThank you so much. I'm so sorry, Darren. I know it's a lot. I did a really good review, and I was like, look. We've got a bit to talk about here.\n\nWe wanna go through things and really update everything for you. So I'm so sorry it took a bit longer, and there was a lot to go through. Yeah. Beautiful. Oh, thanks.\n\nAbsolutely. Absolutely. Oh, my pleasure. Let's make sure that we don't drop the ball moving forward for you, and I'll make sure we don't. You'll speak to my lovely admin as we're moving forward as well, and we'll take care of you and our little sort of area in a pod here at OQ, make sure we look after you.\n\nI will send you an email afterwards, and I'll also get the annual review pack sent out for you. If you can sign that and just reply back with your ID for me, I can take care of the rest, and I'll I'll talk to you in a couple of weeks when I've done all this research. Okay? Thank you so much, Darren. You'll also have my email.\n\nSo if you do find us any questions, it doesn't matter what the question is, you just email me and ask me, and I'll happily make time to reply back to you. Okay? It is my pleasure. You have a wonderful afternoon. It's been a pleasure.\n\nThanks. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Darren.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.09719061478972435},{"text":"It's Dana from Okie Financial.","start":3.6799998,"end":5.22,"sentiment":"neutral","sentiment_score":0.13080020397901534},{"text":"How are you this afternoon?","start":5.3599997,"end":6.58,"sentiment":"neutral","sentiment_score":0.1654238998889923},{"text":"I'm very well.","start":8.639999,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5644012490908304},{"text":"Thank you.","start":9.5199995,"end":9.92,"sentiment":"positive","sentiment_score":0.6622995138168335}],"sentiment":"neutral","sentiment_score":0.2760767366956262,"num_words":17,"start":2.96,"end":9.92},{"sentences":[{"text":"Thank you for asking.","start":9.92,"end":10.96,"sentiment":"positive","sentiment_score":0.6116172075271606},{"text":"I had you booked in to go through an annual review today.","start":10.96,"end":13.36,"sentiment":"neutral","sentiment_score":0.2528662160038948},{"text":"Is now still a good time there for you?","start":13.36,"end":15.46,"sentiment":"neutral","sentiment_score":0.21110647585656908},{"text":"Yes.","start":16.935,"end":17.435,"sentiment":"positive","sentiment_score":0.33381402492523193},{"text":"Fantastic.","start":17.735,"end":18.235,"sentiment":"positive","sentiment_score":0.6478099226951599}],"sentiment":"neutral","sentiment_score":0.30972020935129235,"num_words":27,"start":9.92,"end":18.235},{"sentences":[{"text":"How's your day been so far?","start":18.535,"end":20.235,"sentiment":"positive","sentiment_score":0.33947522441546124},{"text":"Fantastic.","start":25.575,"end":26.075,"sentiment":"positive","sentiment_score":0.7488746643066406},{"text":"That's always a good thing, and it's halfway through the week, so we're on our way to the weekend now.","start":26.375,"end":30.955,"sentiment":"positive","sentiment_score":0.5974478080868721},{"text":"Alright.","start":34.19,"end":34.51,"sentiment":"neutral","sentiment_score":0.24724188446998596},{"text":"All good, Darren.","start":34.51,"end":35.39,"sentiment":"positive","sentiment_score":0.3618982235590617}],"sentiment":"positive","sentiment_score":0.5183102815381943,"num_words":31,"start":18.535,"end":35.39},{"sentences":[{"text":"Before we jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":35.39,"end":39.949997,"sentiment":"neutral","sentiment_score":0.07734047070793483},{"text":"Are you happy for me to proceed with that?","start":39.949997,"end":42.05,"sentiment":"neutral","sentiment_score":0.13155516237020493},{"text":"Lovely.","start":43.55,"end":43.949997,"sentiment":"positive","sentiment_score":0.3966929316520691},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":43.949997,"end":47.625,"sentiment":"neutral","sentiment_score":0.11425584042444825},{"text":"So I'll just need to confirm your full name, date of birth, and address I should have on file.","start":47.625,"end":51.565,"sentiment":"neutral","sentiment_score":0.0750279783418304}],"sentiment":"neutral","sentiment_score":0.0972521360963583,"num_words":68,"start":35.39,"end":51.565},{"sentences":[{"text":"Yes.","start":54.905,"end":55.405,"sentiment":"neutral","sentiment_score":0.031635086983442307},{"text":"Yep.","start":57.065002,"end":57.565002,"sentiment":"neutral","sentiment_score":0.01738707348704338},{"text":"Beautiful.","start":61.8,"end":62.3,"sentiment":"positive","sentiment_score":0.4808809757232666},{"text":"Thank you so much for that.","start":62.36,"end":63.82,"sentiment":"positive","sentiment_score":0.6278799573580424},{"text":"I had a bit of a look.","start":64.04,"end":65.0,"sentiment":"neutral","sentiment_score":0.28347717438425335}],"sentiment":"positive","sentiment_score":0.39259519381448627,"num_words":16,"start":54.905,"end":65.0},{"sentences":[{"text":"I know you did speak to my colleague Samantha the other week to book in the review today.","start":65.0,"end":68.6,"sentiment":"neutral","sentiment_score":0.23070970426003137},{"text":"She did go through a bit of a fax line with you, which is fantastic.","start":68.6,"end":71.42,"sentiment":"positive","sentiment_score":0.47373433113098146},{"text":"You had a couple of questions there about wanting to maybe look at trends as your retirement strategies and review your super as well.","start":72.905,"end":79.784996,"sentiment":"neutral","sentiment_score":0.11421956773847342},{"text":"Is that right?","start":79.784996,"end":80.505,"sentiment":"neutral","sentiment_score":0.09752551714579265},{"text":"Is there anything else that might be important to touch base on today?","start":80.505,"end":83.805,"sentiment":"neutral","sentiment_score":0.05604067158240538}],"sentiment":"neutral","sentiment_score":0.20576937741612736,"num_words":73,"start":65.0,"end":83.805},{"sentences":[{"text":"Yeah.","start":91.259995,"end":91.759995,"sentiment":"neutral","sentiment_score":-0.15425178408622742},{"text":"Yep.","start":95.02,"end":95.52,"sentiment":"neutral","sentiment_score":-0.1473122537136078},{"text":"Yeah.","start":101.59499,"end":101.91499,"sentiment":"neutral","sentiment_score":-0.15595832467079165},{"text":"Yep.","start":101.91499,"end":102.41499,"sentiment":"neutral","sentiment_score":-0.06593482196331024},{"text":"Yeah.","start":112.17,"end":112.49,"sentiment":"neutral","sentiment_score":0.11632978916168212}],"sentiment":"neutral","sentiment_score":-0.081425479054451,"num_words":5,"start":91.259995,"end":112.49},{"sentences":[{"text":"Yeah.","start":112.49,"end":112.81,"sentiment":"neutral","sentiment_score":0.1602453738451004},{"text":"That's okay.","start":112.81,"end":113.45,"sentiment":"neutral","sentiment_score":0.2696705460548401},{"text":"Not a problem at all.","start":113.45,"end":114.25,"sentiment":"neutral","sentiment_score":0.3303227722644806},{"text":"I did sorta have a look at few at things before the call.","start":114.25,"end":117.39,"sentiment":"neutral","sentiment_score":0.18928257662516373},{"text":"There is definitely probably some advice to definitely update there for you.","start":117.53,"end":121.149994,"sentiment":"neutral","sentiment_score":0.2930276555319627}],"sentiment":"neutral","sentiment_score":0.25236986938751105,"num_words":33,"start":112.49,"end":121.149994},{"sentences":[{"text":"I know one of the things was you do have your Care Super insurances at the moment.","start":121.53,"end":125.585,"sentiment":"neutral","sentiment_score":0.11645848698475782},{"text":"So I'll start by just giving you an updated balance.","start":125.585,"end":127.825005,"sentiment":"neutral","sentiment_score":0.1582151919603348},{"text":"We do send you a new review pack after the call as well, so I'll make sure you do get a copy of all these documents sent out to you to be able to review.","start":127.825005,"end":135.445,"sentiment":"neutral","sentiment_score":0.15428941526583262},{"text":"But at the moment, having a look at your Super balance there, as of today's date, in Hub twenty four, we have a balance of 187,476 and 47¢.","start":136.225,"end":146.94,"sentiment":"neutral","sentiment_score":0.03668462781718484},{"text":"Within CareSafe today, a balance of $15,477.86.","start":147.24,"end":152.94,"sentiment":"neutral","sentiment_score":0.0414730150784765}],"sentiment":"neutral","sentiment_score":0.10669658113814269,"num_words":97,"start":121.53,"end":152.94},{"sentences":[{"text":"Having a look at the way the market has reacted and your portfolio over the last twelve months, now your return is lower at the moment.","start":153.755,"end":161.695,"sentiment":"neutral","sentiment_score":-0.23163682795487917},{"text":"The return for the last twelve months for a whole in your portfolio is actually just over 1%.","start":162.075,"end":168.01,"sentiment":"neutral","sentiment_score":-0.314752663175265},{"text":"So it's 0.7 for the year, which is quite low.","start":168.01,"end":171.70999,"sentiment":"negative","sentiment_score":-0.4038654536008835},{"text":"Definitely not what we would have wanted.","start":172.56999,"end":174.34999,"sentiment":"negative","sentiment_score":-0.6161907485553196},{"text":"When I kind of run through all the individual investments and how they performed individually, most of them have done really well.","start":174.65,"end":181.055,"sentiment":"neutral","sentiment_score":0.012973220172253523}],"sentiment":"neutral","sentiment_score":-0.2380082457360015,"num_words":83,"start":153.755,"end":181.055},{"sentences":[{"text":"So you do have, like, your Global Healthcare that is showing a little bit of a dip at the moment down about 6%.","start":181.055,"end":188.355,"sentiment":"neutral","sentiment_score":-0.0911751089050718},{"text":"Your Vanguard conservative index fund is up over 6.48%.","start":188.81499,"end":193.075,"sentiment":"neutral","sentiment_score":0.1380606691042582},{"text":"European and Asia exposure is up over 35% and about 6% there respectively.","start":193.76,"end":199.37999,"sentiment":"neutral","sentiment_score":0.12000386130351287},{"text":"The S and P 500 is up around that 7.89.","start":200.31999,"end":203.92,"sentiment":"neutral","sentiment_score":0.2595746859908104},{"text":"Your battery and lithium tax done really well.","start":203.92,"end":206.0,"sentiment":"positive","sentiment_score":0.7054630815982819}],"sentiment":"neutral","sentiment_score":0.14198444804383648,"num_words":63,"start":181.055,"end":206.0},{"sentences":[{"text":"It's the best performer.","start":206.0,"end":207.06,"sentiment":"positive","sentiment_score":0.6138678342103958},{"text":"That's up over 65.49% for the year, which is good.","start":207.505,"end":211.525,"sentiment":"positive","sentiment_score":0.5858010351657867},{"text":"And then the agriculture is up over 31.37% there.","start":211.825,"end":216.565,"sentiment":"neutral","sentiment_score":0.2905834913253784},{"text":"Your Bannalong Australian Equities is kind of what's really pulling your portfolio back a little bit.","start":217.105,"end":222.42,"sentiment":"neutral","sentiment_score":0.15935884043574333},{"text":"So Bennelong, when that was put into the portfolio, was there to give you some active management in there.","start":222.5,"end":229.3,"sentiment":"neutral","sentiment_score":0.1456102389646204}],"sentiment":"neutral","sentiment_score":0.28008739823668166,"num_words":58,"start":206.0,"end":229.3},{"sentences":[{"text":"Bennelong, as opposed to as part of their strategy, be updating their underlying investments within the funds there to sort of make sure they're invested in the highest quality.","start":229.3,"end":238.74501,"sentiment":"neutral","sentiment_score":0.04375701224238708},{"text":"Bannalong, unfortunately, late last year and early this year, had a bit of an issue with one of their underlying investments.","start":239.04501,"end":244.32501,"sentiment":"negative","sentiment_score":-0.43646531729471116},{"text":"I'm not sure if you've seen in the news or not, but Corporate Traveler had come out in when they had disclosed the market, but it had been a bit dishonest to their investors there.","start":244.32501,"end":253.2,"sentiment":"negative","sentiment_score":-0.3675728108201708},{"text":"That unfortunately meant that Benelongs had to reevaluate Corporate Traveler as an investment, which meant that all of our analysts have gone back and reevaluated Benelong.","start":253.5,"end":261.91998,"sentiment":"negative","sentiment_score":-0.4401463522360875},{"text":"In your portfolio as a whole, that is down by 18.35%.","start":262.995,"end":267.07498,"sentiment":"negative","sentiment_score":-0.4540079208937558}],"sentiment":"neutral","sentiment_score":-0.30491605717078096,"num_words":122,"start":229.3,"end":267.07498},{"sentences":[{"text":"So that is what's dragging your portfolio down pretty heavily at the moment.","start":267.07498,"end":270.695,"sentiment":"negative","sentiment_score":-0.6028533325745509},{"text":"We wanna get rid of it.","start":272.35498,"end":273.715,"sentiment":"neutral","sentiment_score":-0.2400534190237522},{"text":"Absolutely.","start":273.715,"end":274.215,"sentiment":"neutral","sentiment_score":0.02135523036122322},{"text":"Part of the review I wanna do today is to update the advice.","start":274.88998,"end":277.93,"sentiment":"neutral","sentiment_score":-0.0465445237664076},{"text":"We do wanna remove that from the portfolios now completely.","start":277.93,"end":281.22998,"sentiment":"neutral","sentiment_score":-0.14976033829152585}],"sentiment":"neutral","sentiment_score":-0.2641567627704421,"num_words":43,"start":267.07498,"end":281.22998},{"sentences":[{"text":"As much as we don't realistically wanna be selling things when they are in a dip, it is important to take what we can out of there now.","start":281.53,"end":288.50998,"sentiment":"neutral","sentiment_score":-0.2271902859210968},{"text":"And maneuvering the portfolio now, we can essentially take the fact that Van Along is down, and we can offset capital gains with the with the losses that Van Along has seen in your portfolio.","start":288.82498,"end":299.005,"sentiment":"neutral","sentiment_score":-0.09393978427563394},{"text":"So as a whole, I definitely wanna get rid of that.","start":299.305,"end":302.49,"sentiment":"neutral","sentiment_score":-0.2239903292872689},{"text":"But I also wanted to have a chat to you a bit more about your other goals around the retirement aspect because you're 55 now.","start":302.49,"end":309.38998,"sentiment":"neutral","sentiment_score":0.06578906059265137},{"text":"Yes.","start":311.05,"end":311.53,"sentiment":"neutral","sentiment_score":0.23758885264396667}],"sentiment":"neutral","sentiment_score":-0.10230798710137606,"num_words":100,"start":281.53,"end":311.53},{"sentences":[{"text":"And that's a good thing because you are getting closer and closer to those years where you might be considering accessing super.","start":311.53,"end":316.97,"sentiment":"positive","sentiment_score":0.36389070613817737},{"text":"So we might have a look at reviewing the super, the portfolio for you, do an updated advice document, but then also look at the retirement aspect for you down the track and look at where this is taking you and what this looks like for your retirement years.","start":316.97,"end":329.685,"sentiment":"neutral","sentiment_score":0.20642342251174303},{"text":"Does that sound like something you'd be open to me doing?","start":329.685,"end":332.185,"sentiment":"neutral","sentiment_score":0.12386941909790039},{"text":"Yep.","start":333.44998,"end":333.85,"sentiment":"neutral","sentiment_score":0.2027053534984589},{"text":"Perfect.","start":333.85,"end":334.35,"sentiment":"positive","sentiment_score":0.5061472654342651}],"sentiment":"neutral","sentiment_score":0.2403780888943445,"num_words":84,"start":311.53,"end":334.35},{"sentences":[{"text":"All good.","start":334.49,"end":335.22998,"sentiment":"positive","sentiment_score":0.528183788061142},{"text":"So one of the things is we are definitely gonna get rid of Van Along there.","start":335.61,"end":338.66998,"sentiment":"neutral","sentiment_score":0.08931458555161953},{"text":"I will have a look at sort of what else is important with regard to investments.","start":338.72998,"end":342.91,"sentiment":"neutral","sentiment_score":0.13038321025669575},{"text":"But is there anything that sort of piques your interest anywhere you would like to see your super mainly invested in or anything else you want us to maybe take advantage of or have a look at for you investment wise?","start":342.97,"end":353.895,"sentiment":"neutral","sentiment_score":0.20372825606567105},{"text":"Absolutely.","start":356.675,"end":357.175,"sentiment":"positive","sentiment_score":0.5895803570747375}],"sentiment":"neutral","sentiment_score":0.17781541006345497,"num_words":76,"start":334.49,"end":357.175},{"sentences":[{"text":"I can see there's not any in here that I can see as a whole, so I will definitely have a look at some physical gold for you.","start":357.635,"end":364.85,"sentiment":"neutral","sentiment_score":0.24471463129988738},{"text":"Did you want me to look at some silver as well?","start":364.85,"end":367.11,"sentiment":"neutral","sentiment_score":0.0776291631839492},{"text":"Yeah.","start":372.14502,"end":372.64502,"sentiment":"neutral","sentiment_score":0.015150221064686775},{"text":"Yep.","start":377.02502,"end":377.52502,"sentiment":"neutral","sentiment_score":0.09571047127246857},{"text":"Yep.","start":380.545,"end":381.045,"sentiment":"neutral","sentiment_score":0.17640428245067596}],"sentiment":"neutral","sentiment_score":0.19031417729066952,"num_words":42,"start":357.635,"end":381.045},{"sentences":[{"text":"Perfect.","start":382.545,"end":383.045,"sentiment":"positive","sentiment_score":0.565342903137207},{"text":"Yep.","start":387.25998,"end":387.75998,"sentiment":"neutral","sentiment_score":0.263094425201416},{"text":"Mhmm.","start":393.02,"end":393.52,"sentiment":"neutral","sentiment_score":0.2374986708164215},{"text":"Yep.","start":400.155,"end":400.655,"sentiment":"neutral","sentiment_score":0.10742513835430144},{"text":"Mhmm.","start":416.56998,"end":416.72998,"sentiment":"neutral","sentiment_score":0.13733510673046112}],"sentiment":"neutral","sentiment_score":0.2621392488479614,"num_words":5,"start":382.545,"end":416.72998},{"sentences":[{"text":"Yep.","start":416.72998,"end":417.22998,"sentiment":"neutral","sentiment_score":0.22150802612304688},{"text":"Yeah.","start":419.945,"end":420.345,"sentiment":"positive","sentiment_score":0.35008537769317627},{"text":"Absolutely.","start":420.345,"end":420.845,"sentiment":"positive","sentiment_score":0.5752268433570862},{"text":"I do definitely like a bit of gold and silver in a portfolio.","start":421.065,"end":423.645,"sentiment":"positive","sentiment_score":0.549837928551894},{"text":"They are both growth investments, but they do have that defensive capacity to them.","start":423.865,"end":428.425,"sentiment":"positive","sentiment_score":0.4268285185098648}],"sentiment":"positive","sentiment_score":0.4756770859162013,"num_words":30,"start":416.72998,"end":428.425},{"sentences":[{"text":"So when markets aren't doing so well and kinda looking at ways to, you know, reduce the risk level overall when, say, equities aren't performing as well, then people do tend to move money into gold and silver, particularly gold, but silver can work defensively as well.","start":428.425,"end":442.79,"sentiment":"neutral","sentiment_score":0.19288618656549048},{"text":"So I will definitely wanna put some of that in your portfolio, and I can have a look at what to do there.","start":442.79,"end":447.345,"sentiment":"positive","sentiment_score":0.40371935359080846},{"text":"With regard to the copper, I can definitely have a look at what options are available, what might be available in Hub 24 for you, but it is also about making sure we're not overexposing you to growth assets and increasing the risk levels.","start":447.825,"end":459.025,"sentiment":"neutral","sentiment_score":0.032448282930999994},{"text":"And some of the copper asset can see increasing the risk.","start":459.025,"end":462.65,"sentiment":"neutral","sentiment_score":-0.010705234736881473},{"text":"Did you want me just to focus on the gold and silver with keep that defensive aspect?","start":462.65,"end":467.05,"sentiment":"neutral","sentiment_score":0.022876696113277886}],"sentiment":"neutral","sentiment_score":0.1411976521264132,"num_words":142,"start":428.425,"end":467.05},{"sentences":[{"text":"Or yep.","start":467.05,"end":467.94998,"sentiment":"neutral","sentiment_score":0.010493235196918249},{"text":"Yep.","start":470.25,"end":470.75,"sentiment":"neutral","sentiment_score":0.1737174242734909},{"text":"Yep.","start":474.58502,"end":475.08502,"sentiment":"neutral","sentiment_score":0.32781100273132324},{"text":"Absolutely.","start":475.30502,"end":475.80502,"sentiment":"positive","sentiment_score":0.529112696647644},{"text":"I can do that.","start":475.945,"end":476.58502,"sentiment":"positive","sentiment_score":0.5228752642869949}],"sentiment":"positive","sentiment_score":0.34923651679936385,"num_words":9,"start":467.05,"end":476.58502},{"sentences":[{"text":"Not a problem at all.","start":476.58502,"end":477.465,"sentiment":"positive","sentiment_score":0.36238868832588195},{"text":"So as part of the research, I'll go back and have a look at everything.","start":477.465,"end":481.14502,"sentiment":"neutral","sentiment_score":0.18749360938866932},{"text":"I'll come up with an advice piece to show you.","start":481.14502,"end":483.545,"sentiment":"neutral","sentiment_score":0.22767663598060608},{"text":"It'll show you what we're recommending you, move your money into, how and why the advantages, disadvantages, and the risks involved, and then you get to just to tell me whether you're happy to take that or not.","start":483.545,"end":493.0,"sentiment":"neutral","sentiment_score":0.178684141879019},{"text":"Does that sound like a plan?","start":493.0,"end":494.3,"sentiment":"neutral","sentiment_score":0.10027449081341426}],"sentiment":"neutral","sentiment_score":0.19314538214255023,"num_words":74,"start":476.58502,"end":494.3},{"sentences":[{"text":"Yep.","start":495.72,"end":496.19998,"sentiment":"neutral","sentiment_score":0.24949198961257937},{"text":"Perfect.","start":496.19998,"end":496.69998,"sentiment":"positive","sentiment_score":0.6450546383857727},{"text":"Fantastic.","start":496.75998,"end":497.25998,"sentiment":"positive","sentiment_score":0.6491081118583679},{"text":"So that's just that side of things.","start":498.405,"end":499.76498,"sentiment":"neutral","sentiment_score":0.29410508275032043},{"text":"But, overall, your portfolio is definitely up.","start":499.76498,"end":502.645,"sentiment":"neutral","sentiment_score":0.29565887578896116}],"sentiment":"positive","sentiment_score":0.3336472029195112,"num_words":17,"start":495.72,"end":502.645},{"sentences":[{"text":"So as much as it's a much smaller return than we'd normally expect, it is good to see it isn't still a positive return there.","start":502.645,"end":508.585,"sentiment":"neutral","sentiment_score":0.15758004069328307},{"text":"I did also just pull up your, sorry, documents from the last annual review.","start":508.805,"end":512.40497,"sentiment":"neutral","sentiment_score":0.03519978693553379},{"text":"So sorry, your last annual review, your balance then was about 162,000 in hub 24 and '18 in CareSoupers.","start":512.40497,"end":520.03,"sentiment":"neutral","sentiment_score":0.05072934788308645},{"text":"So you have '24, whilst we have rolled some money in, has still had a bit of a benefit of growth over the last year as well there.","start":520.25,"end":527.95,"sentiment":"neutral","sentiment_score":0.16507097257168166},{"text":"'20 20 four.","start":531.885,"end":532.925,"sentiment":"neutral","sentiment_score":-0.021785720561941464}],"sentiment":"neutral","sentiment_score":0.11182905297224106,"num_words":89,"start":502.645,"end":532.925},{"sentences":[{"text":"Yeah.","start":532.925,"end":533.425,"sentiment":"neutral","sentiment_score":-0.00498002115637064},{"text":"Yeah.","start":533.485,"end":533.96497,"sentiment":"neutral","sentiment_score":-0.024151552468538284},{"text":"No.","start":533.96497,"end":534.125,"sentiment":"neutral","sentiment_score":-0.1428753286600113},{"text":"That's it.","start":534.125,"end":535.26495,"sentiment":"neutral","sentiment_score":-0.15219806134700775},{"text":"Yeah.","start":535.885,"end":536.385,"sentiment":"neutral","sentiment_score":-0.1079920083284378}],"sentiment":"neutral","sentiment_score":-0.09739917221789558,"num_words":6,"start":532.925,"end":536.385},{"sentences":[{"text":"Yeah.","start":540.7,"end":541.2,"sentiment":"neutral","sentiment_score":-0.14586615562438965},{"text":"We'll make sure that that doesn't happen moving forward there for you.","start":541.34,"end":543.98,"sentiment":"neutral","sentiment_score":-0.19980957669516405},{"text":"I do apologize.","start":543.98,"end":544.8,"sentiment":"neutral","sentiment_score":-0.09105922778447469},{"text":"That's why I wanted to make sure we touch base today and really have a bit of a chat and see where things are going for you.","start":545.34,"end":550.48,"sentiment":"positive","sentiment_score":0.400651134274624},{"text":"And we can update that advice piece to sort of really give you an idea on where we're heading, where we're tracking, and what this looks like to help you along with your goals there.","start":550.77997,"end":558.835,"sentiment":"positive","sentiment_score":0.3932328147547586}],"sentiment":"neutral","sentiment_score":0.2790252613142515,"num_words":78,"start":540.7,"end":558.835},{"sentences":[{"text":"Okay?","start":558.97504,"end":559.47504,"sentiment":"neutral","sentiment_score":0.16143615543842316},{"text":"Yeah.","start":560.09503,"end":560.59503,"sentiment":"positive","sentiment_score":0.4977573156356811},{"text":"Beautiful.","start":560.73505,"end":561.23505,"sentiment":"positive","sentiment_score":0.7992361783981323},{"text":"Now looking forward at your goals there, when are you sort of hoping to be able to maybe retire, access your super?","start":562.17505,"end":568.255,"sentiment":"neutral","sentiment_score":0.3306009661067616},{"text":"What would be what you what are you after?","start":568.255,"end":570.97003,"sentiment":"neutral","sentiment_score":0.020693425089120865}],"sentiment":"neutral","sentiment_score":0.2622909332242082,"num_words":34,"start":558.97504,"end":570.97003},{"sentences":[{"text":"Mhmm.","start":580.79,"end":581.29,"sentiment":"neutral","sentiment_score":-0.01216039713472128},{"text":"Yep.","start":586.575,"end":587.075,"sentiment":"neutral","sentiment_score":-0.1031523272395134},{"text":"Yep.","start":589.375,"end":589.875,"sentiment":"neutral","sentiment_score":-0.00616826256737113},{"text":"Yep.","start":593.855,"end":594.355,"sentiment":"neutral","sentiment_score":0.050662726163864136},{"text":"Mhmm.","start":601.47003,"end":601.97003,"sentiment":"neutral","sentiment_score":0.1332995891571045}],"sentiment":"neutral","sentiment_score":0.012496265675872564,"num_words":5,"start":580.79,"end":601.97003},{"sentences":[{"text":"Mhmm.","start":602.75,"end":603.25,"sentiment":"neutral","sentiment_score":0.0224689319729805},{"text":"Yeah.","start":604.91003,"end":605.41003,"sentiment":"neutral","sentiment_score":0.023171190172433853},{"text":"Yep.","start":625.89996,"end":626.39996,"sentiment":"neutral","sentiment_score":-0.09031542390584946},{"text":"Yep.","start":633.675,"end":634.175,"sentiment":"neutral","sentiment_score":-0.21320752799510956},{"text":"Yep.","start":636.075,"end":636.575,"sentiment":"neutral","sentiment_score":0.00975978933274746}],"sentiment":"neutral","sentiment_score":-0.04962460808455944,"num_words":5,"start":602.75,"end":636.575},{"sentences":[{"text":"Yeah.","start":642.97003,"end":643.29,"sentiment":"neutral","sentiment_score":0.16200947761535645},{"text":"Absolutely.","start":643.29,"end":643.79,"sentiment":"neutral","sentiment_score":0.2705497741699219},{"text":"So when we do sort of retain something like CareSoup, but we do only really wanna retain that for a period of time until we can either get new cover or you no longer need that cover because you are paying more in the way of fees.","start":644.25,"end":655.05,"sentiment":"neutral","sentiment_score":0.1375627468558068},{"text":"And if we can kinda consolidate everything into one place, you do have that benefit of more money makes more money.","start":655.05,"end":660.885,"sentiment":"positive","sentiment_score":0.4392043153444926},{"text":"So I do definitely agree.","start":660.885,"end":662.345,"sentiment":"positive","sentiment_score":0.45385577604174615}],"sentiment":"neutral","sentiment_score":0.24520770475268364,"num_words":75,"start":642.97003,"end":662.345},{"sentences":[{"text":"What I would probably do is I just wanna maybe do a bit of a, have a really good look at your health side of things and do a bit of an updated pre assessment for you.","start":662.725,"end":671.7,"sentiment":"neutral","sentiment_score":0.2094772756099701},{"text":"After the call, I'll book in one of my lovely admin team to go through a bit of a pre assessment with you either later this week or early next week to kind of really get a guide for what kind of what you're after, what we're able to obtain when it comes to insurances.","start":672.18,"end":685.16003,"sentiment":"neutral","sentiment_score":0.2410749236291105},{"text":"Are you wanting sort of life, TPD, and income protection like you have now, or is it just life?","start":686.165,"end":691.925,"sentiment":"neutral","sentiment_score":0.029892694008977788},{"text":"What's important to you with regard to the insurances?","start":691.925,"end":694.185,"sentiment":"neutral","sentiment_score":0.03448845839334859},{"text":"Yep.","start":700.18,"end":700.68,"sentiment":"neutral","sentiment_score":0.061633944511413574}],"sentiment":"neutral","sentiment_score":0.18140306820985208,"num_words":121,"start":662.725,"end":700.68},{"sentences":[{"text":"Yeah.","start":705.77997,"end":706.27997,"sentiment":"neutral","sentiment_score":0.0000517871230840683},{"text":"Yeah.","start":718.355,"end":718.855,"sentiment":"neutral","sentiment_score":0.007856698706746101},{"text":"Yeah.","start":733.01,"end":733.51,"sentiment":"neutral","sentiment_score":-0.00629182904958725},{"text":"That's correct.","start":734.865,"end":735.765,"sentiment":"neutral","sentiment_score":0.047751665115356445},{"text":"Mhmm.","start":739.585,"end":740.085,"sentiment":"neutral","sentiment_score":-0.0847141444683075}],"sentiment":"neutral","sentiment_score":0.0020676404237747192,"num_words":6,"start":705.77997,"end":740.085},{"sentences":[{"text":"Yep.","start":740.78503,"end":741.28503,"sentiment":"neutral","sentiment_score":-0.007690206170082092},{"text":"Okay.","start":753.68005,"end":754.18005,"sentiment":"neutral","sentiment_score":0.0117013081908226},{"text":"Yep.","start":756.24005,"end":756.74005,"sentiment":"neutral","sentiment_score":0.06522870808839798},{"text":"Okay.","start":759.45496,"end":759.95496,"sentiment":"neutral","sentiment_score":0.26929235458374023},{"text":"Perfect.","start":760.33496,"end":760.83496,"sentiment":"positive","sentiment_score":0.5685678720474243}],"sentiment":"neutral","sentiment_score":0.1814200073480606,"num_words":5,"start":740.78503,"end":760.83496},{"sentences":[{"text":"Yeah.","start":771.23,"end":771.63,"sentiment":"neutral","sentiment_score":0.2075769603252411},{"text":"Absolutely.","start":771.63,"end":772.13,"sentiment":"neutral","sentiment_score":0.24465669691562653},{"text":"Because with the death benefit you have there at the moment, now I've got down here that you've got no assets noted.","start":772.58997,"end":777.55,"sentiment":"neutral","sentiment_score":0.041232968934557655},{"text":"So are you renting where you are at the moment?","start":777.55,"end":779.57,"sentiment":"neutral","sentiment_score":-0.01792362444102764},{"text":"Yeah.","start":780.67,"end":780.91,"sentiment":"neutral","sentiment_score":-0.023813551291823387}],"sentiment":"neutral","sentiment_score":0.03303740508854389,"num_words":35,"start":771.23,"end":780.91},{"sentences":[{"text":"How much rent are you paying on a regular basis?","start":780.91,"end":783.25,"sentiment":"neutral","sentiment_score":0.009833624493330717},{"text":"Maybe 40 fifty per month.","start":786.295,"end":788.07495,"sentiment":"neutral","sentiment_score":0.015310469269752502},{"text":"Yeah.","start":788.295,"end":788.535,"sentiment":"neutral","sentiment_score":0.12469477951526642},{"text":"That's okay.","start":788.535,"end":789.01495,"sentiment":"neutral","sentiment_score":0.21269840002059937},{"text":"Because, realistically, that's one of the biggest things.","start":789.01495,"end":791.255,"sentiment":"neutral","sentiment_score":-0.036395101342350245}],"sentiment":"neutral","sentiment_score":0.01668536000383588,"num_words":26,"start":780.91,"end":791.255},{"sentences":[{"text":"If if you were to pass away prematurely, obviously, the the the rent still has to be paid, so your wife doesn't need to cover your rent continuously.","start":791.255,"end":799.19495,"sentiment":"neutral","sentiment_score":-0.22432383575609752},{"text":"That was $18.50 per month, wasn't it?","start":800.77,"end":803.27,"sentiment":"neutral","sentiment_score":0.07779277328933988},{"text":"Yeah.","start":804.37,"end":804.69,"sentiment":"neutral","sentiment_score":0.3184363543987274},{"text":"Perfect.","start":804.69,"end":805.17004,"sentiment":"positive","sentiment_score":0.5712577104568481},{"text":"Just like to check that because rents are exorbitant in some areas.","start":805.17004,"end":808.15,"sentiment":"neutral","sentiment_score":0.10709618342419465}],"sentiment":"neutral","sentiment_score":-0.07268713718774367,"num_words":49,"start":791.255,"end":808.15},{"sentences":[{"text":"So, yeah, the rent would still definitely have to be paid.","start":809.81,"end":811.81,"sentiment":"neutral","sentiment_score":0.15251083536581558},{"text":"So you'd be comfortable with around about the 350 to 400,000 of life and TBD.","start":811.81,"end":816.71497,"sentiment":"neutral","sentiment_score":0.1796048939228058},{"text":"Realistically, you don't feel there's any benefit to the income protection.","start":817.255,"end":820.295,"sentiment":"negative","sentiment_score":-0.3356731290167028},{"text":"You're happy to cancel that?","start":820.295,"end":821.915,"sentiment":"neutral","sentiment_score":-0.3235877245664597},{"text":"Yep.","start":822.935,"end":823.415,"sentiment":"neutral","sentiment_score":0.11009599268436432}],"sentiment":"neutral","sentiment_score":-0.01926870817361876,"num_words":43,"start":809.81,"end":823.415},{"sentences":[{"text":"Perfect.","start":823.415,"end":823.895,"sentiment":"positive","sentiment_score":0.43201231956481934},{"text":"What I can do yeah.","start":823.895,"end":825.51,"sentiment":"neutral","sentiment_score":0.19597916901111603},{"text":"Yeah.","start":827.51,"end":828.01,"sentiment":"neutral","sentiment_score":0.22432959079742432},{"text":"Absolutely.","start":828.39,"end":828.89,"sentiment":"neutral","sentiment_score":0.3216128349304199},{"text":"What I would do is don't cancel it now.","start":829.03,"end":831.29004,"sentiment":"neutral","sentiment_score":-0.07265701724423303}],"sentiment":"neutral","sentiment_score":0.07670220206765567,"num_words":17,"start":823.415,"end":831.29004},{"sentences":[{"text":"Wait till I update the advice for you.","start":831.59,"end":833.43,"sentiment":"neutral","sentiment_score":0.04294959269464016},{"text":"I will try and have the advice done really fast to make it easier on you.","start":833.43,"end":836.71,"sentiment":"neutral","sentiment_score":0.30296740122139454},{"text":"We'll go through it.","start":836.71,"end":837.67,"sentiment":"neutral","sentiment_score":0.19824732840061188},{"text":"You can see, obviously, the advantages, disadvantages, the risks involved.","start":837.67,"end":840.945,"sentiment":"neutral","sentiment_score":0.07582568973302842},{"text":"But I also wanna make sure I can get new cover for you as well.","start":840.945,"end":844.405,"sentiment":"neutral","sentiment_score":0.13706426918506623}],"sentiment":"neutral","sentiment_score":0.16600538509072,"num_words":53,"start":831.59,"end":844.405},{"sentences":[{"text":"I wanna make sure that the level of cover we can get is gonna give you what you're after.","start":845.10504,"end":849.445,"sentiment":"neutral","sentiment_score":0.33055970935445084},{"text":"It's not gonna cost too much, but it's also not gonna eat away too much if you sleep.","start":849.585,"end":853.185,"sentiment":"neutral","sentiment_score":0.04531765149699317},{"text":"Because one of the really big things to consider is as we get older, the risk of us making a claim increases.","start":853.185,"end":858.79004,"sentiment":"neutral","sentiment_score":-0.23622587153857405},{"text":"So insurances do get more expensive as well.","start":858.85004,"end":861.57,"sentiment":"neutral","sentiment_score":-0.22317565977573395},{"text":"So we'll go through this today.","start":861.57,"end":864.13,"sentiment":"neutral","sentiment_score":0.0886713204284509}],"sentiment":"neutral","sentiment_score":0.008849392810912982,"num_words":73,"start":845.10504,"end":864.13},{"sentences":[{"text":"I'll get one of the teams to go through a a pre assessment questionnaire with you, get a bit more of an idea.","start":864.13,"end":870.34503,"sentiment":"neutral","sentiment_score":0.10630490339320639},{"text":"Essentially, it's just more an in-depth question around your health, your past health, what that looks like, and then I can do the research on the insurances, research the super, research the portfolio, and see where this is taking us there.","start":870.405,"end":882.565,"sentiment":"neutral","sentiment_score":0.03336972681941783},{"text":"Are you okay with that?","start":882.565,"end":883.945,"sentiment":"neutral","sentiment_score":0.1196571409702301},{"text":"Yep.","start":884.92004,"end":885.32,"sentiment":"positive","sentiment_score":0.41472554206848145},{"text":"Beautiful.","start":885.32,"end":885.6,"sentiment":"positive","sentiment_score":0.7588299512863159}],"sentiment":"neutral","sentiment_score":0.07866215177247642,"num_words":71,"start":864.13,"end":885.6},{"sentences":[{"text":"I wanna make sure we do this properly for you.","start":885.6,"end":887.72003,"sentiment":"positive","sentiment_score":0.514265114068985},{"text":"So I wanna make sure that you can get cover what that looks like, but I wanna make sure your super is also working for you as well.","start":887.72003,"end":893.56006,"sentiment":"positive","sentiment_score":0.37402208309088436},{"text":"There's no point having insurances if it's just gonna eat away all of your super and provide no benefit later on down the track.","start":893.56006,"end":899.80005,"sentiment":"negative","sentiment_score":-0.4069044158483545},{"text":"So, yep.","start":899.80005,"end":900.915,"sentiment":"neutral","sentiment_score":-0.09451106190681458},{"text":"Yeah.","start":902.09503,"end":902.59503,"sentiment":"neutral","sentiment_score":-0.0587184764444828}],"sentiment":"neutral","sentiment_score":0.08618189056332294,"num_words":65,"start":885.6,"end":902.59503},{"sentences":[{"text":"Yeah.","start":906.335,"end":906.835,"sentiment":"neutral","sentiment_score":-0.10766866058111192},{"text":"I'm so sorry.","start":907.455,"end":908.675,"sentiment":"neutral","sentiment_score":-0.20964294175306955},{"text":"Yeah.","start":910.495,"end":910.995,"sentiment":"neutral","sentiment_score":-0.050753362476825714},{"text":"Yes.","start":913.23004,"end":913.73004,"sentiment":"neutral","sentiment_score":-0.027295228093862537},{"text":"Yes.","start":915.87,"end":916.37,"sentiment":"neutral","sentiment_score":-0.03924157842993736}],"sentiment":"neutral","sentiment_score":-0.12198395069156374,"num_words":7,"start":906.335,"end":916.37},{"sentences":[{"text":"Yep.","start":921.23004,"end":921.73004,"sentiment":"neutral","sentiment_score":-0.05095883458852768},{"text":"Yep.","start":927.725,"end":928.225,"sentiment":"neutral","sentiment_score":0.013397886417806149},{"text":"So with that, as long as she gets the death certificate and is the executor yeah.","start":928.365,"end":933.08496,"sentiment":"neutral","sentiment_score":0.0035589982289820905},{"text":"Is the executor of his state and gets a death certificate and everything straight away, The assessment can be done on super.","start":933.08496,"end":939.21,"sentiment":"neutral","sentiment_score":0.030351583930579098},{"text":"I have done seen super and life insurance assessments done within, say, forty eight to seventy two hours.","start":939.21,"end":944.59,"sentiment":"neutral","sentiment_score":0.02915178228997522}],"sentiment":"neutral","sentiment_score":0.02089396467560838,"num_words":58,"start":921.23004,"end":944.59},{"sentences":[{"text":"They can be done faster, but it does depend upon the assessment and, obviously, the the backlog with the insurance company.","start":944.89,"end":951.31,"sentiment":"neutral","sentiment_score":-0.06733827221961249},{"text":"Now one of the other things to consider is with life insurance held inside Super, you don't get access to, like, an up up front lump sum benefit to pay for funeral costs.","start":951.71497,"end":963.15497,"sentiment":"neutral","sentiment_score":-0.08009503736640468},{"text":"You have to wait for that money to come down.","start":963.15497,"end":965.415,"sentiment":"neutral","sentiment_score":-0.160965958237648},{"text":"If you were to, say, hypothetically pass away, does do you guys have access to enough money to, say, cover the cost of a funeral or something like that?","start":966.08,"end":975.68,"sentiment":"neutral","sentiment_score":-0.08733284768873248},{"text":"No.","start":975.68,"end":976.08,"sentiment":"neutral","sentiment_score":-0.24460497498512268}],"sentiment":"neutral","sentiment_score":-0.08983145840466022,"num_words":94,"start":944.89,"end":976.08},{"sentences":[{"text":"So she would need money fairly quickly to help that that sort of cover.","start":976.08,"end":979.62,"sentiment":"neutral","sentiment_score":-0.20598896699292318},{"text":"Yep.","start":979.68,"end":980.085,"sentiment":"neutral","sentiment_score":-0.008436320349574089},{"text":"There are depending on kind of what your expenditure looks like, there are ways to set up, like, funeral bonds and things like that that can pay out.","start":980.645,"end":989.445,"sentiment":"neutral","sentiment_score":-0.04132923749940736},{"text":"In saying that, if once you turn 60, you have access to all of that money if you decide to retire.","start":989.445,"end":997.15,"sentiment":"neutral","sentiment_score":0.06634177781996273},{"text":"So we could always, you know, take a bit of money out.","start":997.15,"end":999.89,"sentiment":"neutral","sentiment_score":0.13273749438424906}],"sentiment":"neutral","sentiment_score":-0.013993068965838143,"num_words":76,"start":976.08,"end":999.89},{"sentences":[{"text":"But the way it is structured at the moment, it can take a couple of days to a week to have that paid out.","start":1000.51,"end":1006.605,"sentiment":"neutral","sentiment_score":0.004801886932303508},{"text":"Essentially, once the assessment is completed, the money is paid out very, very quickly.","start":1007.32495,"end":1011.805,"sentiment":"neutral","sentiment_score":0.11645189992019109},{"text":"It can be drawn out as super, very fast to your beneficiary, but it does take that initial assessment.","start":1011.805,"end":1017.005,"sentiment":"neutral","sentiment_score":0.11328594661072681},{"text":"So it's about just sort of looking at how you guys might have to fund the funeral.","start":1017.005,"end":1021.4,"sentiment":"neutral","sentiment_score":0.03344037120833116},{"text":"Do you have money to fall back on?","start":1021.4,"end":1023.26,"sentiment":"neutral","sentiment_score":-0.008704886538907886}],"sentiment":"neutral","sentiment_score":0.053620147427952874,"num_words":82,"start":1000.51,"end":1023.26},{"sentences":[{"text":"Would she have to maybe access some savings or ask a friend?","start":1023.72,"end":1027.16,"sentiment":"neutral","sentiment_score":-0.037142155691981316},{"text":"What do you think what would she have to do in that scenario?","start":1027.16,"end":1030.22,"sentiment":"neutral","sentiment_score":-0.17942814528942108},{"text":"Yeah.","start":1032.775,"end":1033.175,"sentiment":"neutral","sentiment_score":-0.04951682686805725},{"text":"Okay.","start":1033.175,"end":1033.675,"sentiment":"neutral","sentiment_score":-0.012078279629349709},{"text":"Do yeah.","start":1034.135,"end":1035.895,"sentiment":"neutral","sentiment_score":-0.03485214803367853}],"sentiment":"neutral","sentiment_score":-0.10033003998727634,"num_words":29,"start":1023.72,"end":1035.895},{"sentences":[{"text":"Do you have much in the way of expendable income that you are able to maybe invest elsewhere to set up, like, a funeral policy or something?","start":1035.895,"end":1043.115,"sentiment":"neutral","sentiment_score":-0.041281504211602385},{"text":"Nothing?","start":1043.175,"end":1043.675,"sentiment":"neutral","sentiment_score":-0.11757384985685349},{"text":"Okay.","start":1044.215,"end":1044.715,"sentiment":"neutral","sentiment_score":-0.022862114012241364},{"text":"Right.","start":1045.44,"end":1045.94,"sentiment":"neutral","sentiment_score":0.05656566470861435},{"text":"Yeah.","start":1050.72,"end":1051.22,"sentiment":"neutral","sentiment_score":0.029764387756586075}],"sentiment":"neutral","sentiment_score":-0.037700210487650286,"num_words":31,"start":1035.895,"end":1051.22},{"sentences":[{"text":"Yeah.","start":1054.88,"end":1055.38,"sentiment":"neutral","sentiment_score":0.0018197093158960345},{"text":"Yeah.","start":1058.335,"end":1058.835,"sentiment":"neutral","sentiment_score":-0.014094293117523192},{"text":"Okay.","start":1061.215,"end":1061.715,"sentiment":"neutral","sentiment_score":-0.06142894923686981},{"text":"Yeah.","start":1062.095,"end":1062.595,"sentiment":"neutral","sentiment_score":-0.1302790641784668},{"text":"Yep.","start":1064.815,"end":1065.315,"sentiment":"neutral","sentiment_score":-0.1273370087146759}],"sentiment":"neutral","sentiment_score":-0.06626392118632793,"num_words":5,"start":1054.88,"end":1065.315},{"sentences":[{"text":"Okay.","start":1066.4149,"end":1066.9149,"sentiment":"neutral","sentiment_score":-0.13749739527702332},{"text":"What are the that that is completely understandable.","start":1067.375,"end":1074.29,"sentiment":"neutral","sentiment_score":-0.24012326262891293},{"text":"Another thing I'm just sort of looking at the options wise is with the life insurance, if I was to maybe draw up a bit of a quote and maybe recommend just a small portion of that life cover we paid outside of super, that can, in the event of death, provide, like, a lump sum benefit paid down for a funeral that can be paid out generally within twenty four hours once the death certificate has been provided to the insurer.","start":1074.99,"end":1099.56,"sentiment":"neutral","sentiment_score":0.05974609009558108},{"text":"If I was to maybe get a quote ahead of time to look at what that might look like for you, would you like to see that, or do you just want me to add that into the recommendation to sort of show you what this looks like to give you a backup option in the event of passing.","start":1100.02,"end":1117.895,"sentiment":"neutral","sentiment_score":0.10945934982244242},{"text":"Yep.","start":1118.195,"end":1118.695,"sentiment":"neutral","sentiment_score":0.18648016452789307}],"sentiment":"neutral","sentiment_score":0.06281640858000873,"num_words":151,"start":1066.4149,"end":1118.695},{"sentences":[{"text":"Yep.","start":1118.755,"end":1119.255,"sentiment":"positive","sentiment_score":0.33825191855430603},{"text":"Yep.","start":1122.595,"end":1123.075,"sentiment":"positive","sentiment_score":0.4606015086174011},{"text":"Perfect.","start":1123.075,"end":1123.575,"sentiment":"positive","sentiment_score":0.689456582069397},{"text":"And the way we sort of look at this is that with the life cover, most of it would be paid in side super.","start":1123.635,"end":1128.36,"sentiment":"positive","sentiment_score":0.34312253755827743},{"text":"So you have the benefit of not having to pay the premiums out of your back pocket there.","start":1128.36,"end":1132.28,"sentiment":"positive","sentiment_score":0.3712305376927058}],"sentiment":"positive","sentiment_score":0.36456445753574374,"num_words":45,"start":1118.755,"end":1132.28},{"sentences":[{"text":"But it's normally in a very small portion, and it's called flexi linking.","start":1132.28,"end":1136.06,"sentiment":"neutral","sentiment_score":0.26574247960860914},{"text":"And, essentially, a small portion paid out of your back pocket, normally, that sort of two to 5% there.","start":1136.52,"end":1142.445,"sentiment":"neutral","sentiment_score":0.17437169896928886},{"text":"And the same thing comes with TBD.","start":1142.605,"end":1144.3049,"sentiment":"neutral","sentiment_score":0.05510553504739489},{"text":"So the other thing to look at is with TBD, in order to be able to claim on that inside super, you have to meet in any any debt occupation definition.","start":1144.365,"end":1153.485,"sentiment":"neutral","sentiment_score":0.036655915420382254},{"text":"So you have to be able to never go back to work again for any occupation for which you are trained, educated, or have worked.","start":1153.485,"end":1159.12,"sentiment":"neutral","sentiment_score":0.0013977526128292083}],"sentiment":"neutral","sentiment_score":0.08762874162118686,"num_words":95,"start":1132.28,"end":1159.12},{"sentences":[{"text":"So you can understand it's a pretty hard definition to claim on.","start":1159.12,"end":1162.5,"sentiment":"neutral","sentiment_score":-0.13567328763504824},{"text":"If you were to if I was to structure this, so a small portion of your life NTPD, it could be very cheap.","start":1162.88,"end":1168.6599,"sentiment":"neutral","sentiment_score":0.048160979281301086},{"text":"I'll make sure it's the most minimal cost possible is paid out of your pocket.","start":1168.905,"end":1172.925,"sentiment":"neutral","sentiment_score":0.14850770930449167},{"text":"You can access an own definition.","start":1173.785,"end":1175.5651,"sentiment":"neutral","sentiment_score":0.12199548383553822},{"text":"That means that if you were TBD'd, you would only have to they look at the Antioch patient definition first.","start":1175.785,"end":1182.045,"sentiment":"neutral","sentiment_score":0.10133612658828497}],"sentiment":"neutral","sentiment_score":0.058762291397311185,"num_words":76,"start":1159.12,"end":1182.045},{"sentences":[{"text":"But then if you don't meet that, they look at what you were doing prior to the disability, and it's much easier to claim on not being able to go back to your occupation prior to disability rather than any occupation you've ever worked or trained.","start":1182.23,"end":1194.87,"sentiment":"neutral","sentiment_score":0.07611557897990165},{"text":"Does that kind of make sense?","start":1194.87,"end":1196.41,"sentiment":"neutral","sentiment_score":0.05786470634241899},{"text":"Yeah.","start":1202.875,"end":1203.0349,"sentiment":"neutral","sentiment_score":0.02248009853065014},{"text":"Yeah.","start":1203.0349,"end":1203.5349,"sentiment":"neutral","sentiment_score":0.017238512635231018},{"text":"Yeah.","start":1207.355,"end":1207.855,"sentiment":"neutral","sentiment_score":-0.03259088471531868}],"sentiment":"neutral","sentiment_score":0.07010241086510095,"num_words":55,"start":1182.23,"end":1207.855},{"sentences":[{"text":"Absolutely.","start":1209.9801,"end":1210.4801,"sentiment":"neutral","sentiment_score":-0.008731079287827015},{"text":"Yeah.","start":1217.42,"end":1217.92,"sentiment":"neutral","sentiment_score":-0.050248883664608},{"text":"Mhmm.","start":1223.1151,"end":1223.6151,"sentiment":"neutral","sentiment_score":-0.10433316230773926},{"text":"Yeah.","start":1224.7151,"end":1225.2151,"sentiment":"neutral","sentiment_score":-0.040270447731018066},{"text":"Yes.","start":1229.435,"end":1229.935,"sentiment":"neutral","sentiment_score":0.015041574835777284}],"sentiment":"neutral","sentiment_score":-0.03770839963108301,"num_words":5,"start":1209.9801,"end":1229.935},{"sentences":[{"text":"Yep.","start":1232.555,"end":1232.9551,"sentiment":"neutral","sentiment_score":0.08882296085357666},{"text":"Yep.","start":1232.9551,"end":1233.275,"sentiment":"neutral","sentiment_score":0.13488370180130005},{"text":"That's cost effective as possible to limit the effect, but make sure that you have maybe a small amount of them paid outside of super.","start":1233.275,"end":1244.2101,"sentiment":"neutral","sentiment_score":0.16788613319396972},{"text":"Limit the cost as much as possible to maximize the benefit in the event that you're having to claim.","start":1244.2101,"end":1249.2051,"sentiment":"neutral","sentiment_score":0.27385348238443075},{"text":"Does that sound Yep.","start":1249.2051,"end":1251.925,"sentiment":"neutral","sentiment_score":0.0971959587186575}],"sentiment":"neutral","sentiment_score":0.20025719985365867,"num_words":50,"start":1232.555,"end":1251.925},{"sentences":[{"text":"Yep.","start":1251.925,"end":1252.425,"sentiment":"neutral","sentiment_score":0.050190940499305725},{"text":"Halfway.","start":1259.605,"end":1259.855,"sentiment":"neutral","sentiment_score":0.042885251343250275},{"text":"No.","start":1259.855,"end":1260.18,"sentiment":"neutral","sentiment_score":-0.1308642327785492},{"text":"No.","start":1260.5,"end":1260.9,"sentiment":"neutral","sentiment_score":-0.1766451597213745},{"text":"It's all good.","start":1260.9,"end":1261.54,"sentiment":"neutral","sentiment_score":0.00995521123210589}],"sentiment":"neutral","sentiment_score":-0.026366795280150006,"num_words":7,"start":1251.925,"end":1261.54},{"sentences":[{"text":"No.","start":1261.54,"end":1261.7001,"sentiment":"neutral","sentiment_score":-0.10861513763666152},{"text":"Not quite.","start":1261.7001,"end":1262.26,"sentiment":"neutral","sentiment_score":-0.1138521358370781},{"text":"So what this is, essentially, with the life and TPD side of things, it's structured so the super fund pays for majority of the premiums.","start":1262.26,"end":1269.88,"sentiment":"neutral","sentiment_score":0.02741890713572502},{"text":"A small portion, generally around about three to 5%, would be paid out of your bank account, your credit card, or however you would wanna pay the premiums.","start":1270.3401,"end":1277.595,"sentiment":"neutral","sentiment_score":0.059212542338562865},{"text":"That out of pocket cost comes out of your card or bank account on a monthly basis or weekly, however you wanna structure it.","start":1278.055,"end":1284.695,"sentiment":"neutral","sentiment_score":0.09128470982735355}],"sentiment":"neutral","sentiment_score":0.05247421863023192,"num_words":80,"start":1261.54,"end":1284.695},{"sentences":[{"text":"It's a smaller cost.","start":1284.695,"end":1286.055,"sentiment":"neutral","sentiment_score":0.16211962699890137},{"text":"Most of it's paid out of super, but that small premium paid outside of super out of your bank account or credit card, that allows you to access this additional benefits that aren't available to policies held solely inside Super.","start":1286.055,"end":1299.07,"sentiment":"neutral","sentiment_score":0.1126416897168383},{"text":"Does that make sense?","start":1299.07,"end":1299.95,"sentiment":"neutral","sentiment_score":9.229406714439392e-6},{"text":"Sorry.","start":1299.95,"end":1300.45,"sentiment":"neutral","sentiment_score":-0.10782485455274582},{"text":"Yeah.","start":1302.27,"end":1302.59,"sentiment":"neutral","sentiment_score":0.22157302498817444}],"sentiment":"neutral","sentiment_score":0.10535862369462848,"num_words":50,"start":1284.695,"end":1302.59},{"sentences":[{"text":"That's okay.","start":1302.59,"end":1303.23,"sentiment":"positive","sentiment_score":0.41042694449424744},{"text":"That's all good.","start":1303.23,"end":1303.95,"sentiment":"positive","sentiment_score":0.6751678387324015},{"text":"It's really good to kinda clarify these things.","start":1303.95,"end":1306.245,"sentiment":"positive","sentiment_score":0.6115705296397209},{"text":"I also try to be as on the like, as on point and be as honest with you as possible.","start":1306.805,"end":1311.365,"sentiment":"neutral","sentiment_score":0.2599901751615107},{"text":"And I have to let you know, I don't know if anyone's ever told you before, but if you were to claim TPD and you claim under the age of 60, TPD is actually a taxable payment.","start":1311.365,"end":1320.485,"sentiment":"neutral","sentiment_score":-0.015594666874086534}],"sentiment":"neutral","sentiment_score":0.1765960353027497,"num_words":70,"start":1302.59,"end":1320.485},{"sentences":[{"text":"So the amount you are covered for isn't necessarily how much you're going to get.","start":1320.485,"end":1325.1901,"sentiment":"neutral","sentiment_score":-0.024883032217621802},{"text":"The I'm so sorry.","start":1325.7301,"end":1328.9501,"sentiment":"neutral","sentiment_score":-0.08468193840235472},{"text":"Essentially, with TBD, if you claim TBD and you're under the age of 60, you your super gets released well because we claim incapacity against your super.","start":1330.13,"end":1338.975,"sentiment":"neutral","sentiment_score":-0.0013196502243065173},{"text":"So everything is released, which is fantastic.","start":1338.975,"end":1341.0751,"sentiment":"positive","sentiment_score":0.5962150565215519},{"text":"However, if you're under the age of 60, tax is actually on the TBD payout.","start":1341.6951,"end":1346.975,"sentiment":"neutral","sentiment_score":-0.055570439000924426}],"sentiment":"neutral","sentiment_score":0.03812272084863199,"num_words":68,"start":1320.485,"end":1346.975},{"sentences":[{"text":"It's on the taxable component inside super, and it's up to 22% depending on a few factors.","start":1346.975,"end":1353.25,"sentiment":"neutral","sentiment_score":-0.009052738109055688},{"text":"They have a fund math equation that looks at your age that you're claiming versus the age of 65.","start":1353.25,"end":1358.53,"sentiment":"neutral","sentiment_score":0.0032103297937857477},{"text":"They look at how much is in your taxable versus tax free components.","start":1358.53,"end":1362.07,"sentiment":"neutral","sentiment_score":0.0022059190445221388},{"text":"There are things that we can do.","start":1363.33,"end":1365.03,"sentiment":"neutral","sentiment_score":0.11112393971000399},{"text":"So if you were to claim on TBD, I would say come and see me.","start":1365.475,"end":1369.235,"sentiment":"neutral","sentiment_score":0.05159936969478925}],"sentiment":"neutral","sentiment_score":0.020952602664769535,"num_words":71,"start":1346.975,"end":1369.235},{"sentences":[{"text":"Let's do advice.","start":1369.235,"end":1370.215,"sentiment":"neutral","sentiment_score":0.12577346712350845},{"text":"We can look at ways to reduce or minimize that tax component.","start":1370.2749,"end":1373.495,"sentiment":"neutral","sentiment_score":0.1674554292112589},{"text":"That way, you know, you might be getting an income stream and taking smaller amounts on a regular basis.","start":1374.2749,"end":1379.075,"sentiment":"neutral","sentiment_score":0.26121362259513453},{"text":"We can do uplifts and all sorts of fun things to kinda help reduce that tax side of things.","start":1379.075,"end":1383.63,"sentiment":"neutral","sentiment_score":0.3141143114158982},{"text":"So I just have to let you know tax is paid on TPD.","start":1383.63,"end":1387.25,"sentiment":"neutral","sentiment_score":0.08224090246053842}],"sentiment":"neutral","sentiment_score":0.21798709136518565,"num_words":66,"start":1369.235,"end":1387.25},{"sentences":[{"text":"Did you want me to look at ways to, like, factor in the tax, the 22%, or just look at that $3.50 to 400,000 and not sort of worry about the tax when we deal with that if and when at the time of claim?","start":1388.43,"end":1400.295,"sentiment":"neutral","sentiment_score":0.030057789840632013},{"text":"What do you think?","start":1400.295,"end":1401.175,"sentiment":"neutral","sentiment_score":-0.045293605886399746},{"text":"And be honest.","start":1401.175,"end":1402.3151,"sentiment":"neutral","sentiment_score":-0.0746688296397527},{"text":"Sorry.","start":1404.96,"end":1405.46,"sentiment":"negative","sentiment_score":-0.4091984033584595},{"text":"Everyone hates the tax side of things, and I I think it's wrong that tax should be on a TBD claim.","start":1405.6,"end":1410.4,"sentiment":"negative","sentiment_score":-0.4523666302363078}],"sentiment":"neutral","sentiment_score":-0.12110105416158566,"num_words":74,"start":1388.43,"end":1410.4},{"sentences":[{"text":"If you can't work due to disability, you should not be paying tax on that money.","start":1410.4,"end":1414.24,"sentiment":"negative","sentiment_score":-0.4589542970061302},{"text":"It's wrong.","start":1414.24,"end":1414.98,"sentiment":"negative","sentiment_score":-0.5016656816005707},{"text":"It is.","start":1418.495,"end":1419.1549,"sentiment":"neutral","sentiment_score":-0.3136514276266098},{"text":"Yep.","start":1424.4149,"end":1424.9149,"sentiment":"neutral","sentiment_score":-0.07012626528739929},{"text":"It does reduce the amount that you're able to claim on.","start":1426.335,"end":1428.975,"sentiment":"neutral","sentiment_score":0.14097366482019424}],"sentiment":"neutral","sentiment_score":-0.23416621633805335,"num_words":32,"start":1410.4,"end":1428.975},{"sentences":[{"text":"I can look at trying to bump it up to account for the 22% tax so that the amount you get paid is at 300 so $3.50 to 400 after the tax is considered, which gives you a a higher amount.","start":1428.975,"end":1441.61,"sentiment":"neutral","sentiment_score":0.11554627792864311},{"text":"It's up to you.","start":1442.79,"end":1443.83,"sentiment":"neutral","sentiment_score":0.17210768908262253},{"text":"I can work it either way.","start":1443.83,"end":1445.27,"sentiment":"neutral","sentiment_score":0.16455469280481339},{"text":"I also wanna make it cost effective and not too expensive because they do get more expensive as life goes on.","start":1445.27,"end":1451.565,"sentiment":"neutral","sentiment_score":0.10702820122241974},{"text":"So I wanted to find out more about what you're wanting.","start":1451.565,"end":1454.145,"sentiment":"neutral","sentiment_score":0.019532153044234623}],"sentiment":"neutral","sentiment_score":0.10693496647459197,"num_words":83,"start":1428.975,"end":1454.145},{"sentences":[{"text":"Did you want me just to look at those $35,400,000 knowing that we can obviously, if you did have to claim, this is a kind of a worst case scenario because you may never have to claim as well.","start":1465.7899,"end":1475.25,"sentiment":"neutral","sentiment_score":-0.17506138908748442},{"text":"We just keep it keep it cost effective for now.","start":1475.8551,"end":1478.415,"sentiment":"neutral","sentiment_score":0.09874914698302746},{"text":"And if you had the claim, then we do everything we can advise wise to minimize the tax consequences for you.","start":1478.415,"end":1483.9551,"sentiment":"neutral","sentiment_score":0.0719929069635414},{"text":"Yeah?","start":1486.255,"end":1486.735,"sentiment":"neutral","sentiment_score":0.08993838727474213},{"text":"Okay.","start":1486.735,"end":1487.135,"sentiment":"neutral","sentiment_score":0.14370881021022797}],"sentiment":"neutral","sentiment_score":-0.056866728623087205,"num_words":72,"start":1465.7899,"end":1487.135},{"sentences":[{"text":"Cool.","start":1487.135,"end":1487.615,"sentiment":"neutral","sentiment_score":0.2259138524532318},{"text":"No worries at all.","start":1487.615,"end":1488.8351,"sentiment":"neutral","sentiment_score":0.1771872192621231},{"text":"Perfect.","start":1490.6101,"end":1491.1101,"sentiment":"positive","sentiment_score":0.375390350818634},{"text":"$3.50 to 400.","start":1491.5701,"end":1493.1901,"sentiment":"neutral","sentiment_score":0.19830952088038126},{"text":"Lovely.","start":1493.89,"end":1494.39,"sentiment":"positive","sentiment_score":0.3470441699028015}],"sentiment":"neutral","sentiment_score":0.22520258128643036,"num_words":10,"start":1487.135,"end":1494.39},{"sentences":[{"text":"Yeah.","start":1494.6101,"end":1494.93,"sentiment":"neutral","sentiment_score":-0.0002020038664340973},{"text":"I honestly do disagree with that.","start":1494.93,"end":1496.6101,"sentiment":"neutral","sentiment_score":-0.2711932137608528},{"text":"It's one thing I don't like about the system is the tax side of things.","start":1496.6101,"end":1500.05,"sentiment":"negative","sentiment_score":-0.42335367798805235},{"text":"I think if you're disabled and can never go back to work again, the last thing they should be doing is taxing you on it.","start":1500.05,"end":1504.7849,"sentiment":"negative","sentiment_score":-0.48762170791625975},{"text":"It's not fair in any way, shape, or form.","start":1504.7849,"end":1506.8049,"sentiment":"negative","sentiment_score":-0.5410919123225741}],"sentiment":"negative","sentiment_score":-0.44710779223325,"num_words":56,"start":1494.6101,"end":1506.8049},{"sentences":[{"text":"On the super component for disability?","start":1511.345,"end":1513.7649,"sentiment":"neutral","sentiment_score":-0.10255129759510358},{"text":"You're right.","start":1517.44,"end":1518.1799,"sentiment":"neutral","sentiment_score":-0.06462148204445839},{"text":"For the death benefit?","start":1520.64,"end":1521.76,"sentiment":"neutral","sentiment_score":-0.07783002778887749},{"text":"No.","start":1521.76,"end":1522.26,"sentiment":"neutral","sentiment_score":-0.1686898171901703},{"text":"No.","start":1523.0399,"end":1523.5399,"sentiment":"neutral","sentiment_score":-0.15100693702697754}],"sentiment":"neutral","sentiment_score":-0.09825482964515686,"num_words":14,"start":1511.345,"end":1523.5399},{"sentences":[{"text":"So with the death benefit, if you were to pass away and your spouse is your beneficiary, she receives the benefit tax free.","start":1523.84,"end":1531.095,"sentiment":"neutral","sentiment_score":-0.03982309122448382},{"text":"Yeah.","start":1531.095,"end":1531.595,"sentiment":"neutral","sentiment_score":0.07617264240980148},{"text":"She meets the definition under both the CIS Act and the tax act.","start":1531.895,"end":1535.095,"sentiment":"neutral","sentiment_score":0.07529409516316193},{"text":"So, no, she can receive the full benefit tax free if you pass away.","start":1535.095,"end":1538.535,"sentiment":"neutral","sentiment_score":0.02473610719399793},{"text":"Absolutely.","start":1538.535,"end":1539.035,"sentiment":"neutral","sentiment_score":0.15507015585899353}],"sentiment":"neutral","sentiment_score":0.012316162268129678,"num_words":52,"start":1523.84,"end":1539.035},{"sentences":[{"text":"Yep.","start":1539.415,"end":1539.915,"sentiment":"neutral","sentiment_score":0.09320582449436188},{"text":"Yep.","start":1541.415,"end":1541.915,"sentiment":"neutral","sentiment_score":0.05114675313234329},{"text":"So if for you passing away, no.","start":1546.39,"end":1551.51,"sentiment":"neutral","sentiment_score":-0.15063755959272385},{"text":"Death benefit is completely tax free.","start":1551.51,"end":1553.51,"sentiment":"neutral","sentiment_score":0.06950042769312859},{"text":"And the same with the life insurance.","start":1553.51,"end":1554.95,"sentiment":"neutral","sentiment_score":0.15119231385844095}],"sentiment":"neutral","sentiment_score":0.025692655620249836,"num_words":22,"start":1539.415,"end":1554.95},{"sentences":[{"text":"It's just the TBD.","start":1554.95,"end":1556.01,"sentiment":"neutral","sentiment_score":0.14874876663088799},{"text":"It's just total permanent disability because that's you claiming and you're still technically alive.","start":1556.385,"end":1560.885,"sentiment":"neutral","sentiment_score":0.11435429006814957},{"text":"If you TPD'd and you're over 60, then it's fully tax free.","start":1561.665,"end":1565.505,"sentiment":"neutral","sentiment_score":0.16117684977749983},{"text":"There's no tax consequences on that.","start":1565.505,"end":1567.425,"sentiment":"neutral","sentiment_score":0.11570360387365024},{"text":"So yeah.","start":1567.425,"end":1568.385,"sentiment":"neutral","sentiment_score":0.16487036645412445}],"sentiment":"neutral","sentiment_score":0.13563262318309985,"num_words":38,"start":1554.95,"end":1568.385},{"sentences":[{"text":"But the life benefit paid out on death to your spouse is tax free.","start":1568.385,"end":1572.21,"sentiment":"neutral","sentiment_score":0.2339221185871533},{"text":"That's a life insurance and the super component.","start":1572.21,"end":1575.1901,"sentiment":"neutral","sentiment_score":0.23790469393134117},{"text":"Okay?","start":1575.5701,"end":1576.0701,"sentiment":"neutral","sentiment_score":0.12341006100177764},{"text":"Does that clear it up?","start":1576.6901,"end":1577.65,"sentiment":"neutral","sentiment_score":0.11606473028659821},{"text":"Does that make it a bit clearer for you?","start":1577.65,"end":1579.43,"sentiment":"neutral","sentiment_score":0.0978555257121722}],"sentiment":"neutral","sentiment_score":0.1827724501490593,"num_words":37,"start":1568.385,"end":1579.43},{"sentences":[{"text":"Yep.","start":1580.93,"end":1581.43,"sentiment":"neutral","sentiment_score":-0.009700272232294084},{"text":"Yeah.","start":1585.265,"end":1585.745,"sentiment":"neutral","sentiment_score":0.022988049313426014},{"text":"Look.","start":1585.745,"end":1586.0651,"sentiment":"neutral","sentiment_score":0.018968306481838223},{"text":"You're probably worth more a lot a lot more alive, and that's what we wanna focus on.","start":1586.0651,"end":1590.225,"sentiment":"neutral","sentiment_score":0.01618329936857609},{"text":"But yes.","start":1590.225,"end":1591.045,"sentiment":"neutral","sentiment_score":0.03181159123778343}],"sentiment":"neutral","sentiment_score":0.016863425241105935,"num_words":22,"start":1580.93,"end":1591.045},{"sentences":[{"text":"Yeah.","start":1594.385,"end":1594.885,"sentiment":"neutral","sentiment_score":0.037492092698812485},{"text":"Yes.","start":1596.24,"end":1596.74,"sentiment":"neutral","sentiment_score":0.06827113032341003},{"text":"Yep.","start":1597.76,"end":1598.24,"sentiment":"neutral","sentiment_score":0.08354064077138901},{"text":"Yep.","start":1598.24,"end":1598.56,"sentiment":"neutral","sentiment_score":0.1343768835067749},{"text":"That's absolutely fine.","start":1598.56,"end":1599.68,"sentiment":"positive","sentiment_score":0.34679046273231506}],"sentiment":"neutral","sentiment_score":0.19486459078533308,"num_words":7,"start":1594.385,"end":1599.68},{"sentences":[{"text":"Let leave that with me.","start":1599.68,"end":1600.64,"sentiment":"neutral","sentiment_score":0.26241262555122374},{"text":"I'll go back and have a look at everything I can, make it cost effective, make sure it's working for you.","start":1600.64,"end":1605.14,"sentiment":"positive","sentiment_score":0.33573979636033374},{"text":"I'll update the advice document to reflect all of this for you, then you'll get to see what my recommendations are, the advantages, the disadvantages, and the risks involved, and then you get to tell me whether you take all of them, some of them, or none of them.","start":1605.36,"end":1617.535,"sentiment":"neutral","sentiment_score":0.17835058252878336},{"text":"It's completely your decision.","start":1617.535,"end":1618.915,"sentiment":"neutral","sentiment_score":0.18364809453487396},{"text":"Okay.","start":1618.9751,"end":1619.4751,"sentiment":"neutral","sentiment_score":0.11446243524551392}],"sentiment":"neutral","sentiment_score":0.22438540260773152,"num_words":80,"start":1599.68,"end":1619.4751},{"sentences":[{"text":"Yep.","start":1620.1399,"end":1620.6399,"sentiment":"neutral","sentiment_score":0.17862758040428162},{"text":"Perfect.","start":1621.0199,"end":1621.5199,"sentiment":"positive","sentiment_score":0.5884559154510498},{"text":"Lovely.","start":1621.6599,"end":1621.98,"sentiment":"positive","sentiment_score":0.5119367837905884},{"text":"I'm sorry that I'm telling you things that you've probably never heard of before.","start":1621.98,"end":1624.94,"sentiment":"neutral","sentiment_score":-0.0731188343571765},{"text":"I just wanna make sure.","start":1624.94,"end":1625.82,"sentiment":"neutral","sentiment_score":-0.11536485552787781}],"sentiment":"neutral","sentiment_score":-0.01461216722699729,"num_words":22,"start":1620.1399,"end":1625.82},{"sentences":[{"text":"I like to be honest and make sure you're fully aware of what you have, how it works, what you can claim on, things like that.","start":1625.82,"end":1632.2999,"sentiment":"neutral","sentiment_score":0.02499220362649514},{"text":"So yeah.","start":1632.2999,"end":1633.2,"sentiment":"neutral","sentiment_score":0.021846860647201538},{"text":"Absolutely.","start":1640.8049,"end":1641.3049,"sentiment":"neutral","sentiment_score":0.04250742122530937},{"text":"Yeah.","start":1644.485,"end":1644.985,"sentiment":"neutral","sentiment_score":0.0778127908706665},{"text":"No.","start":1645.2849,"end":1645.7649,"sentiment":"neutral","sentiment_score":-0.10744716227054596}],"sentiment":"neutral","sentiment_score":0.02278593759382925,"num_words":31,"start":1625.82,"end":1645.7649},{"sentences":[{"text":"Perfect.","start":1645.7649,"end":1646.2649,"sentiment":"neutral","sentiment_score":0.14618805050849917},{"text":"All good.","start":1646.485,"end":1647.21,"sentiment":"neutral","sentiment_score":0.15919217467308044},{"text":"And you're comfortable with me making the recommendation to cancel the income protection?","start":1647.37,"end":1650.89,"sentiment":"neutral","sentiment_score":-0.11303578259853217},{"text":"You've got plenty of leaves there.","start":1650.89,"end":1652.1699,"sentiment":"neutral","sentiment_score":-0.11599587400754292},{"text":"The income protection is not any concern to you.","start":1652.1699,"end":1654.6499,"sentiment":"neutral","sentiment_score":-0.033448691169420876}],"sentiment":"neutral","sentiment_score":-0.06457762059665495,"num_words":31,"start":1645.7649,"end":1654.6499},{"sentences":[{"text":"Yep.","start":1654.6499,"end":1655.13,"sentiment":"neutral","sentiment_score":-0.09257274866104126},{"text":"Perfect.","start":1655.13,"end":1655.63,"sentiment":"neutral","sentiment_score":-0.13893471658229828},{"text":"Excellent.","start":1657.2899,"end":1657.7899,"sentiment":"neutral","sentiment_score":0.2079905271530151},{"text":"All good.","start":1658.73,"end":1659.615,"sentiment":"positive","sentiment_score":0.3648409843444824},{"text":"There is one other type of insurance I just have to talk to you about.","start":1659.9349,"end":1662.495,"sentiment":"neutral","sentiment_score":-0.061740804463624954}],"sentiment":"neutral","sentiment_score":-0.010997351817786693,"num_words":20,"start":1654.6499,"end":1662.495},{"sentences":[{"text":"It's called trauma.","start":1662.495,"end":1663.375,"sentiment":"neutral","sentiment_score":-0.06790245945254962},{"text":"I don't know if anyone's ever spoken to you about what trauma is.","start":1663.375,"end":1666.595,"sentiment":"neutral","sentiment_score":-0.09601743318713628},{"text":"Trauma tends to pay out a lump sum tax free benefit if you were diagnosed with, say, a heart attack, a stroke, certain neurological conditions, cancer is probably the biggest one.","start":1666.975,"end":1676.08,"sentiment":"neutral","sentiment_score":-0.10155299438103553},{"text":"You can't hold trauma inside, super.","start":1676.46,"end":1678.54,"sentiment":"neutral","sentiment_score":-0.23331128805875778},{"text":"It is fully out of your back pocket, and I know money can be a bit tight.","start":1678.54,"end":1681.66,"sentiment":"neutral","sentiment_score":-0.22822323178543763}],"sentiment":"neutral","sentiment_score":-0.14113913577582154,"num_words":70,"start":1662.495,"end":1681.66},{"sentences":[{"text":"You guys live pay week to pay week.","start":1681.66,"end":1683.92,"sentiment":"neutral","sentiment_score":-0.11562902666628361},{"text":"Did you want me to look at maybe making a recommendation for trauma, or you're happy just to focus on the life and TB, not interested in anything more?","start":1684.22,"end":1691.595,"sentiment":"neutral","sentiment_score":-0.11048082236585946},{"text":"Yep.","start":1698.215,"end":1698.715,"sentiment":"neutral","sentiment_score":-0.03505907580256462},{"text":"Yeah.","start":1699.4299,"end":1699.67,"sentiment":"neutral","sentiment_score":0.03639452904462814},{"text":"Absolutely can.","start":1699.67,"end":1700.79,"sentiment":"neutral","sentiment_score":0.09614142775535583}],"sentiment":"neutral","sentiment_score":-0.09598433544359557,"num_words":41,"start":1681.66,"end":1700.79},{"sentences":[{"text":"Most definitely.","start":1700.79,"end":1701.61,"sentiment":"neutral","sentiment_score":0.07225208356976509},{"text":"Most people want to look at and look, it's different for everyone because trauma can be it's a tax free lump sum benefit payment in the event of one of these diagnoses.","start":1702.3099,"end":1711.9299,"sentiment":"neutral","sentiment_score":0.008715487834706437},{"text":"Some people just want, like, one year's worth of living expenses.","start":1712.15,"end":1714.87,"sentiment":"neutral","sentiment_score":-0.025835308838974346},{"text":"It gives them time to take one year off.","start":1714.87,"end":1716.605,"sentiment":"neutral","sentiment_score":-0.023034879316886265},{"text":"Some people maybe want two or three years worth of income.","start":1716.605,"end":1719.8049,"sentiment":"neutral","sentiment_score":-0.026699832555922596}],"sentiment":"neutral","sentiment_score":-0.00556616448224164,"num_words":65,"start":1700.79,"end":1719.8049},{"sentences":[{"text":"What do you wanna see just to begin with this advice case for trauma?","start":1719.8049,"end":1723.505,"sentiment":"neutral","sentiment_score":-0.005064330396375486},{"text":"Just one year's worth of gross income or net income.","start":1723.565,"end":1726.145,"sentiment":"neutral","sentiment_score":-0.00342250382527709},{"text":"Yeah?","start":1726.205,"end":1726.705,"sentiment":"neutral","sentiment_score":0.01691998541355133},{"text":"Yep.","start":1727.68,"end":1727.92,"sentiment":"neutral","sentiment_score":0.07205922901630402},{"text":"Perfect.","start":1727.92,"end":1728.4,"sentiment":"neutral","sentiment_score":0.2943032383918762}],"sentiment":"neutral","sentiment_score":0.010302103297026069,"num_words":27,"start":1719.8049,"end":1728.4},{"sentences":[{"text":"I'll acts perfect.","start":1728.4,"end":1729.9401,"sentiment":"neutral","sentiment_score":0.23490796983242035},{"text":"I'll show you what it looks like, the cost of it, how it affects you, and then you can tell me whether you decide to take that or not.","start":1730.0,"end":1735.4401,"sentiment":"neutral","sentiment_score":0.09239323662015898},{"text":"Okay?","start":1735.4401,"end":1735.9401,"sentiment":"neutral","sentiment_score":0.05736912414431572},{"text":"Perfect.","start":1737.6,"end":1738.1,"sentiment":"positive","sentiment_score":0.3447033166885376},{"text":"I've got down here that you don't have any assets noted, any cars or anything that might have value.","start":1738.72,"end":1744.855,"sentiment":"neutral","sentiment_score":-0.025875797005076157}],"sentiment":"neutral","sentiment_score":0.06216151073996751,"num_words":53,"start":1728.4,"end":1744.855},{"sentences":[{"text":"Nope.","start":1747.7151,"end":1748.035,"sentiment":"neutral","sentiment_score":-0.07397361099720001},{"text":"That's okay.","start":1748.035,"end":1748.755,"sentiment":"neutral","sentiment_score":0.24165041744709015},{"text":"One thing we do like to take into account and is really important to consider is contents.","start":1748.755,"end":1752.6951,"sentiment":"neutral","sentiment_score":0.06679932071882136},{"text":"Do you guys have contents insurance?","start":1753.0751,"end":1754.775,"sentiment":"neutral","sentiment_score":0.003995536671330531},{"text":"Yep.","start":1755.555,"end":1756.055,"sentiment":"neutral","sentiment_score":-0.034352123737335205}],"sentiment":"neutral","sentiment_score":0.05683469527435524,"num_words":27,"start":1747.7151,"end":1756.055},{"sentences":[{"text":"Oh, I'm so sorry.","start":1760.22,"end":1761.76,"sentiment":"neutral","sentiment_score":-0.06358133256435394},{"text":"When we do sort of look at the retirement aspect and Centrelink and things like that, we do need to take into account assets.","start":1762.54,"end":1769.985,"sentiment":"neutral","sentiment_score":0.02173087598445515},{"text":"So would would you put a value on your contents, or are you happy with me just I normally work on, like, five or 10000% link assessments for content.","start":1769.985,"end":1777.745,"sentiment":"neutral","sentiment_score":0.057239243118413566},{"text":"Are you happy for me just to use that?","start":1777.745,"end":1779.765,"sentiment":"neutral","sentiment_score":0.06673954137497479},{"text":"Yep.","start":1783.52,"end":1783.92,"sentiment":"neutral","sentiment_score":0.1335529088973999}],"sentiment":"neutral","sentiment_score":0.03972182873247275,"num_words":67,"start":1760.22,"end":1783.92},{"sentences":[{"text":"Perfect.","start":1783.92,"end":1784.42,"sentiment":"positive","sentiment_score":0.486842542886734},{"text":"Excellent.","start":1785.76,"end":1786.26,"sentiment":"positive","sentiment_score":0.4874438941478729},{"text":"And no collections, no tools, or or, you know, no jewelry or anything that might be of value?","start":1787.68,"end":1792.9,"sentiment":"neutral","sentiment_score":-0.011174722264210383},{"text":"Nope.","start":1793.04,"end":1793.535,"sentiment":"neutral","sentiment_score":-0.050216637551784515},{"text":"That's yep.","start":1794.5751,"end":1798.755,"sentiment":"neutral","sentiment_score":0.008049068972468374}],"sentiment":"neutral","sentiment_score":0.032131432029216186,"num_words":23,"start":1783.92,"end":1798.755},{"sentences":[{"text":"That's okay.","start":1799.055,"end":1799.9551,"sentiment":"neutral","sentiment_score":0.1780158132314682},{"text":"Perfect.","start":1800.8151,"end":1801.3151,"sentiment":"positive","sentiment_score":0.4570379853248596},{"text":"Thank you for updating that for me.","start":1801.4551,"end":1803.475,"sentiment":"positive","sentiment_score":0.4920708068779537},{"text":"Credit cards and debts or anything big like that, do you have personal loans, credit cards, or buy now, pay laters?","start":1804.175,"end":1810.22,"sentiment":"neutral","sentiment_score":0.07314484921239671},{"text":"Yep.","start":1813.4,"end":1813.9,"sentiment":"neutral","sentiment_score":0.04895985871553421}],"sentiment":"neutral","sentiment_score":0.18258021725341678,"num_words":32,"start":1799.055,"end":1813.9},{"sentences":[{"text":"And okay.","start":1815.72,"end":1818.7001,"sentiment":"neutral","sentiment_score":0.08543122187256813},{"text":"Perfect.","start":1818.76,"end":1819.26,"sentiment":"neutral","sentiment_score":0.3013347089290619},{"text":"I'll have to.","start":1820.6,"end":1821.42,"sentiment":"neutral","sentiment_score":0.08770072708527248},{"text":"Yep.","start":1822.485,"end":1822.885,"sentiment":"neutral","sentiment_score":0.14348602294921875},{"text":"Perfect.","start":1822.885,"end":1823.385,"sentiment":"positive","sentiment_score":0.40703701972961426}],"sentiment":"neutral","sentiment_score":0.16072779707610607,"num_words":8,"start":1815.72,"end":1823.385},{"sentences":[{"text":"Thank you for updating those details there for me, Darren.","start":1824.405,"end":1827.225,"sentiment":"positive","sentiment_score":0.524665305018425},{"text":"The other thing to think about, I can see here you just haven't had a will or power of attorney drawn up.","start":1828.005,"end":1832.645,"sentiment":"neutral","sentiment_score":0.03232732525264675},{"text":"Have you guys talked about doing any of that?","start":1832.645,"end":1835.225,"sentiment":"neutral","sentiment_score":0.010969375984536277},{"text":"Yep.","start":1835.525,"end":1836.025,"sentiment":"neutral","sentiment_score":-0.030358081683516502},{"text":"No.","start":1838.2899,"end":1838.61,"sentiment":"neutral","sentiment_score":-0.1181505173444748}],"sentiment":"neutral","sentiment_score":0.1373969765250073,"num_words":43,"start":1824.405,"end":1838.61},{"sentences":[{"text":"That's understandable.","start":1838.61,"end":1839.9099,"sentiment":"neutral","sentiment_score":-0.08993317559361458},{"text":"As part of the recommendations, I do always look at the estate planning side of things for you as well.","start":1840.21,"end":1845.27,"sentiment":"neutral","sentiment_score":0.10236187390983105},{"text":"You did mention that, obviously, you want your super and your life card to be paid out to your wife in the event that something does happen.","start":1845.33,"end":1851.4299,"sentiment":"neutral","sentiment_score":0.1039158668782976},{"text":"I'm just checking.","start":1851.625,"end":1852.445,"sentiment":"neutral","sentiment_score":0.07578535626331966},{"text":"I've got Tanya down as your wife's name.","start":1852.585,"end":1854.505,"sentiment":"neutral","sentiment_score":0.08335306495428085}],"sentiment":"neutral","sentiment_score":0.09278800201912721,"num_words":60,"start":1838.61,"end":1854.505},{"sentences":[{"text":"Is that right?","start":1854.505,"end":1855.4049,"sentiment":"neutral","sentiment_score":0.10150167842706044},{"text":"Yep.","start":1856.825,"end":1857.325,"sentiment":"neutral","sentiment_score":0.04290259629487991},{"text":"I'm just logging in to hub 24 to check that for you because we do wanna that is another factor to kind of take into account.","start":1860.1849,"end":1867.325,"sentiment":"neutral","sentiment_score":0.03453101769376259},{"text":"But just while yeah.","start":1868.24,"end":1870.8999,"sentiment":"neutral","sentiment_score":-0.0008695037104189396},{"text":"That's okay.","start":1870.96,"end":1871.86,"sentiment":"neutral","sentiment_score":0.05174141563475132}],"sentiment":"neutral","sentiment_score":0.037367191890047655,"num_words":36,"start":1854.505,"end":1871.86},{"sentences":[{"text":"Sorry.","start":1872.1599,"end":1872.5599,"sentiment":"neutral","sentiment_score":-0.0027527539059519768},{"text":"Two seconds.","start":1872.5599,"end":1873.22,"sentiment":"neutral","sentiment_score":0.0035767960362136364},{"text":"Two factor authentication.","start":1873.2799,"end":1874.34,"sentiment":"neutral","sentiment_score":0.009002817484239737},{"text":"Mhmm.","start":1875.12,"end":1875.62,"sentiment":"neutral","sentiment_score":0.017003165557980537},{"text":"Security measures are crazy sometimes.","start":1876.48,"end":1878.74,"sentiment":"neutral","sentiment_score":0.007299867644906044}],"sentiment":"neutral","sentiment_score":0.007075982866808772,"num_words":12,"start":1872.1599,"end":1878.74},{"sentences":[{"text":"There we go.","start":1879.12,"end":1879.7599,"sentiment":"neutral","sentiment_score":0.03840721522768339},{"text":"Beautiful.","start":1879.7599,"end":1880.2599,"sentiment":"positive","sentiment_score":0.6369940638542175},{"text":"The with the will and the estate planning side of things, it is definitely a conversation to have.","start":1882.095,"end":1886.655,"sentiment":"positive","sentiment_score":0.45448531210422516},{"text":"If you like, I can get one of my beautiful admin team to send you an email with some details on a local source so that we can refer you to.","start":1886.655,"end":1893.215,"sentiment":"neutral","sentiment_score":0.26496012172391337},{"text":"It's not a referral.","start":1893.215,"end":1894.1951,"sentiment":"neutral","sentiment_score":0.07728046458214521}],"sentiment":"neutral","sentiment_score":0.30624275366988096,"num_words":57,"start":1879.12,"end":1894.1951},{"sentences":[{"text":"It's just some information and a bit of a costing on how much it costs to do a will with them just to sort of start the conversation between yourself and Tanya.","start":1894.35,"end":1901.89,"sentiment":"neutral","sentiment_score":0.13614673842675984},{"text":"Did you want me to organize that for you?","start":1902.03,"end":1903.87,"sentiment":"neutral","sentiment_score":0.05842996512850126},{"text":"Yep.","start":1903.87,"end":1904.37,"sentiment":"neutral","sentiment_score":0.10652503371238708},{"text":"Beautiful.","start":1904.4299,"end":1904.9299,"sentiment":"positive","sentiment_score":0.664047360420227},{"text":"Excellent.","start":1905.5499,"end":1906.0499,"sentiment":"positive","sentiment_score":0.7070556879043579}],"sentiment":"neutral","sentiment_score":0.14454984995113176,"num_words":44,"start":1894.35,"end":1906.0499},{"sentences":[{"text":"And just looking at your beneficiary nomination now, the good thing is it is here a 100%, Tanya.","start":1906.845,"end":1911.425,"sentiment":"positive","sentiment_score":0.567230784230762},{"text":"We love that.","start":1911.485,"end":1912.385,"sentiment":"positive","sentiment_score":0.782340387503306},{"text":"It is a non lapsing binding.","start":1912.765,"end":1914.525,"sentiment":"positive","sentiment_score":0.46911945939064026},{"text":"So correct binding binds to trust you to follow your direction, and non lapsing means you don't have to fill out the form again.","start":1914.525,"end":1920.865,"sentiment":"positive","sentiment_score":0.40931666021545726},{"text":"It stays in place until you revoke that nomination, so you're happy for that to stay as it is.","start":1921.2,"end":1926.4199,"sentiment":"positive","sentiment_score":0.428603133088664}],"sentiment":"positive","sentiment_score":0.47627073441232953,"num_words":70,"start":1906.845,"end":1926.4199},{"sentences":[{"text":"Yeah.","start":1927.36,"end":1927.86,"sentiment":"neutral","sentiment_score":0.14825788140296936},{"text":"I would that's cool.","start":1933.2,"end":1935.9751,"sentiment":"neutral","sentiment_score":0.29713917523622513},{"text":"I can't log in to CareSoup at the moment, but we do have an authority.","start":1935.9751,"end":1939.0951,"sentiment":"neutral","sentiment_score":0.006811690951387088},{"text":"So I will go back after the call and just double check that it is all in place.","start":1939.0951,"end":1942.6951,"sentiment":"neutral","sentiment_score":0.0644749268475506},{"text":"And if it's not, I'll make a recommendation to update that for you.","start":1942.6951,"end":1946.055,"sentiment":"neutral","sentiment_score":0.07642485631199983}],"sentiment":"neutral","sentiment_score":0.07045219141040363,"num_words":51,"start":1927.36,"end":1946.055},{"sentences":[{"text":"Okay?","start":1946.055,"end":1946.555,"sentiment":"neutral","sentiment_score":0.07283928990364075},{"text":"Yep.","start":1950.74,"end":1951.2201,"sentiment":"neutral","sentiment_score":0.2024652808904648},{"text":"Perfect.","start":1951.2201,"end":1951.7201,"sentiment":"positive","sentiment_score":0.390629768371582},{"text":"So with that, I will hold off on transferring the $5 now.","start":1951.78,"end":1955.06,"sentiment":"neutral","sentiment_score":0.17779014632105827},{"text":"I'll do it when we update the advice.","start":1955.06,"end":1956.8201,"sentiment":"neutral","sentiment_score":0.19330497831106186}],"sentiment":"neutral","sentiment_score":0.18895025745682095,"num_words":23,"start":1946.055,"end":1956.8201},{"sentences":[{"text":"So I should be able to have the advice ready for you in about two weeks.","start":1956.8201,"end":1960.42,"sentiment":"neutral","sentiment_score":0.24140191171318293},{"text":"After the call, I can book you back in for the advice piece to be presented.","start":1960.42,"end":1964.4451,"sentiment":"neutral","sentiment_score":0.178934121504426},{"text":"We can come back and look at that, and then I can organize that additional rollover for you and everything else.","start":1964.665,"end":1969.385,"sentiment":"neutral","sentiment_score":0.12547418226798376},{"text":"Is that okay?","start":1969.385,"end":1970.285,"sentiment":"neutral","sentiment_score":0.08084270358085632},{"text":"Yep.","start":1971.545,"end":1971.9451,"sentiment":"positive","sentiment_score":0.4131482243537903}],"sentiment":"neutral","sentiment_score":0.17571948586325897,"num_words":57,"start":1956.8201,"end":1971.9451},{"sentences":[{"text":"Beautiful.","start":1971.9451,"end":1972.4451,"sentiment":"positive","sentiment_score":0.7864725589752197},{"text":"Everything else looks like it's pretty well on par here.","start":1973.465,"end":1976.43,"sentiment":"positive","sentiment_score":0.6968123912811279},{"text":"I've got Tanya down as your next as Kim, which is fantastic.","start":1976.43,"end":1979.3301,"sentiment":"positive","sentiment_score":0.6608949328462282},{"text":"Retirement age, do you know I know we talked about the the trends with your retirement strategies just before, and you wanted to look at how that looks for you at the moment.","start":1980.67,"end":1988.8501,"sentiment":"neutral","sentiment_score":0.086539626121521},{"text":"With a TTR strategy, we kind of can't put that in place now.","start":1989.1849,"end":1992.945,"sentiment":"neutral","sentiment_score":0.01729248636043989}],"sentiment":"neutral","sentiment_score":0.2719702268208283,"num_words":69,"start":1971.9451,"end":1992.945},{"sentences":[{"text":"We'll have to wait until just before you turn age 60 just because we have to work on the income you have then, the super balance you have then, how much we there's a kind of a lot to it.","start":1992.945,"end":2002.68,"sentiment":"neutral","sentiment_score":0.011107273399829865},{"text":"Are you happy if I just focus on this now?","start":2002.76,"end":2005.3201,"sentiment":"neutral","sentiment_score":0.041439475119113924},{"text":"I can still look at how this affects your retirement moving forward, but we just make future considerations to reassess the TTR strategy down the track.","start":2005.3201,"end":2013.16,"sentiment":"neutral","sentiment_score":0.0543895701949413},{"text":"Is that okay with you?","start":2013.16,"end":2014.4601,"sentiment":"neutral","sentiment_score":0.07307231351733208},{"text":"Yeah.","start":2015.335,"end":2015.6549,"sentiment":"neutral","sentiment_score":0.18535515666007996}],"sentiment":"neutral","sentiment_score":0.034433307762189606,"num_words":82,"start":1992.945,"end":2015.6549},{"sentences":[{"text":"Beautiful.","start":2015.6549,"end":2016.0549,"sentiment":"positive","sentiment_score":0.41848358511924744},{"text":"Otherwise, I'm doing up a whole big strategy TTR wise.","start":2016.0549,"end":2018.9349,"sentiment":"neutral","sentiment_score":0.0763492938131094},{"text":"And with balance changes, with income changes, it all changes down the track.","start":2018.9349,"end":2022.855,"sentiment":"neutral","sentiment_score":0.049025107748233356},{"text":"So we'll have to redo it again anyway.","start":2022.855,"end":2024.715,"sentiment":"neutral","sentiment_score":0.003330343562993221},{"text":"So we'll focus on this part.","start":2025.815,"end":2027.255,"sentiment":"neutral","sentiment_score":0.0668173748999834}],"sentiment":"neutral","sentiment_score":0.059127629523190034,"num_words":38,"start":2015.6549,"end":2027.255},{"sentences":[{"text":"I can still look at what this looks like in retirement and give you, you know, an ongoing projection to see how how things affect you long term, and then we'll make a future consideration to come back and redo that TTR side of things for you when you're nearly 60.","start":2027.255,"end":2040.45,"sentiment":"neutral","sentiment_score":0.08056315655509631},{"text":"Okay?","start":2040.67,"end":2041.17,"sentiment":"neutral","sentiment_score":0.049957431852817535},{"text":"Beautiful.","start":2042.905,"end":2043.405,"sentiment":"positive","sentiment_score":0.3815252184867859},{"text":"Now the when I am looking at long term at the retirement aspect, what age do you think you sort of said between sort of 60 to 62 doing the TTR strategy.","start":2043.9451,"end":2052.5051,"sentiment":"neutral","sentiment_score":-0.045355630572885275},{"text":"Are you wanting to stop working fully at 62, or what age do you think you're gonna stop working fully?","start":2052.5051,"end":2057.325,"sentiment":"neutral","sentiment_score":-0.08535634092986584}],"sentiment":"neutral","sentiment_score":0.013159015597332091,"num_words":105,"start":2027.255,"end":2057.325},{"sentences":[{"text":"What age do you think that is that gonna be?","start":2064.0398,"end":2067.18,"sentiment":"neutral","sentiment_score":-0.07692022211849689},{"text":"67?","start":2069.0798,"end":2069.7998,"sentiment":"neutral","sentiment_score":-0.012656895443797112},{"text":"Yep.","start":2069.7998,"end":2070.0398,"sentiment":"neutral","sentiment_score":0.02258371934294701},{"text":"Perfect.","start":2070.0398,"end":2070.44,"sentiment":"neutral","sentiment_score":-0.010854003019630907},{"text":"So just so you're fully aware, age 67 is the age we're eligible to access the age pension.","start":2070.44,"end":2077.085,"sentiment":"neutral","sentiment_score":-0.0021532767504039737}],"sentiment":"neutral","sentiment_score":-0.026093173606861985,"num_words":31,"start":2064.0398,"end":2077.085},{"sentences":[{"text":"Under the current legislation, retirement age is actually age 60 for your super if you decide to stop working fully then.","start":2077.545,"end":2083.885,"sentiment":"neutral","sentiment_score":-0.028597241001469747},{"text":"So you can retire at 60, access your super fully tax free.","start":2084.7449,"end":2089.26,"sentiment":"neutral","sentiment_score":0.06114261240387956},{"text":"At age 65, regardless of whether you're working or not, Darren, they're gonna make it unperserved, unrestricted.","start":2089.4,"end":2095.34,"sentiment":"neutral","sentiment_score":-0.1973625141031602},{"text":"So if you come to me in 60 at 65 and go, hey.","start":2095.48,"end":2098.425,"sentiment":"neutral","sentiment_score":-0.23278772830963135},{"text":"I just wanna buy a new car.","start":2098.5051,"end":2099.625,"sentiment":"neutral","sentiment_score":-0.23604188646589006}],"sentiment":"neutral","sentiment_score":-0.11286467321749244,"num_words":70,"start":2077.545,"end":2099.625},{"sentences":[{"text":"I need this much money.","start":2099.625,"end":2100.825,"sentiment":"negative","sentiment_score":-0.36785799264907837},{"text":"You can draw that out of super.","start":2100.825,"end":2102.445,"sentiment":"neutral","sentiment_score":-0.31272923946380615},{"text":"No questions asked.","start":2102.665,"end":2103.5452,"sentiment":"neutral","sentiment_score":-0.0506654754281044},{"text":"It will be fully, unpreserved and tax free.","start":2103.5452,"end":2107.325,"sentiment":"neutral","sentiment_score":0.08847980666905642},{"text":"And then at age 67 is when you're, if eligible, access the age pension.","start":2107.465,"end":2111.7852,"sentiment":"neutral","sentiment_score":0.06295780358569962}],"sentiment":"neutral","sentiment_score":-0.07003090168173248,"num_words":37,"start":2099.625,"end":2111.7852},{"sentences":[{"text":"So as part of this strategy, I'll look at your retirement at age 67, look at what we expect based on these recommendations there.","start":2111.7852,"end":2119.5,"sentiment":"neutral","sentiment_score":0.10675716772675514},{"text":"I'll also I can also factor in some Centrelink to see if maybe you'll be eligible for Centrelink down there and look at what the longevity asset looks like for you.","start":2119.5,"end":2127.92,"sentiment":"neutral","sentiment_score":0.15170945203112018},{"text":"Happy with that?","start":2128.06,"end":2128.78,"sentiment":"neutral","sentiment_score":0.24292794863382974},{"text":"Does that sound okay?","start":2128.78,"end":2129.74,"sentiment":"neutral","sentiment_score":0.18259165436029434},{"text":"Yeah?","start":2129.74,"end":2130.195,"sentiment":"neutral","sentiment_score":0.07925090193748474}],"sentiment":"neutral","sentiment_score":0.13973914926487302,"num_words":63,"start":2111.7852,"end":2130.195},{"sentences":[{"text":"Yeah.","start":2137.475,"end":2137.975,"sentiment":"neutral","sentiment_score":0.03377148509025574},{"text":"Yeah.","start":2138.5151,"end":2138.915,"sentiment":"neutral","sentiment_score":0.1212482750415802},{"text":"Absolutely.","start":2138.915,"end":2139.415,"sentiment":"neutral","sentiment_score":0.17800010740756989},{"text":"Most definitely.","start":2139.875,"end":2140.695,"sentiment":"neutral","sentiment_score":0.09676448255777358},{"text":"That's okay.","start":2147.33,"end":2148.13,"sentiment":"neutral","sentiment_score":-0.02294679544866085}],"sentiment":"neutral","sentiment_score":0.06866503453680448,"num_words":7,"start":2137.475,"end":2148.13},{"sentences":[{"text":"We can work on that.","start":2148.13,"end":2149.67,"sentiment":"neutral","sentiment_score":-0.04913063421845436},{"text":"Yep.","start":2150.3699,"end":2150.77,"sentiment":"neutral","sentiment_score":-0.049140579998493195},{"text":"That's okay.","start":2150.77,"end":2151.51,"sentiment":"neutral","sentiment_score":-0.006296876817941666},{"text":"Are you wanting to draw down that in retirement, the 95,000, keep that going?","start":2151.57,"end":2155.83,"sentiment":"neutral","sentiment_score":-0.07296469754406384},{"text":"Yep.","start":2163.685,"end":2164.185,"sentiment":"neutral","sentiment_score":-0.02932138368487358}],"sentiment":"neutral","sentiment_score":-0.05905281104471372,"num_words":23,"start":2148.13,"end":2164.185},{"sentences":[{"text":"Yep.","start":2164.4849,"end":2164.9849,"sentiment":"neutral","sentiment_score":-0.036793895065784454},{"text":"Yep.","start":2167.205,"end":2167.705,"sentiment":"neutral","sentiment_score":-0.048922836780548096},{"text":"Mhmm.","start":2177.3801,"end":2177.8801,"sentiment":"neutral","sentiment_score":-0.1047346368432045},{"text":"Yep.","start":2186.915,"end":2187.415,"sentiment":"neutral","sentiment_score":0.0003954532439820469},{"text":"Yep.","start":2187.955,"end":2188.455,"sentiment":"neutral","sentiment_score":-0.028365736827254295}],"sentiment":"neutral","sentiment_score":-0.04368433045456186,"num_words":5,"start":2164.4849,"end":2188.455},{"sentences":[{"text":"No.","start":2188.755,"end":2188.9949,"sentiment":"neutral","sentiment_score":-0.07711157947778702},{"text":"I understand that.","start":2188.9949,"end":2189.795,"sentiment":"neutral","sentiment_score":-0.06156116227308909},{"text":"It's it's gonna be difficult.","start":2189.795,"end":2190.915,"sentiment":"neutral","sentiment_score":-0.27507548928260805},{"text":"I'm 41.","start":2190.915,"end":2191.635,"sentiment":"neutral","sentiment_score":-0.05972635746002197},{"text":"This year, I've just turned 41.","start":2191.635,"end":2193.36,"sentiment":"neutral","sentiment_score":-0.004075243913878997}],"sentiment":"neutral","sentiment_score":-0.10476921712431837,"num_words":17,"start":2188.755,"end":2193.36},{"sentences":[{"text":"And looking forward, I can't access super to the age of 60, and I'm doing everything I can to put money into super.","start":2193.84,"end":2198.6401,"sentiment":"neutral","sentiment_score":-0.14993766711457915},{"text":"I fully understand that the age pension won't disappear completely, but how it's going to be paid in the next twenty to thirty years is gonna have a huge aspect because For what?","start":2198.6401,"end":2209.595,"sentiment":"neutral","sentiment_score":-0.14071389637661702},{"text":"Yep.","start":2211.255,"end":2211.755,"sentiment":"neutral","sentiment_score":-0.015391341410577295},{"text":"Yeah.","start":2216.855,"end":2217.355,"sentiment":"neutral","sentiment_score":-0.04970013350248337},{"text":"Correct?","start":2228.0698,"end":2228.5698,"sentiment":"neutral","sentiment_score":-0.0135137140750885}],"sentiment":"neutral","sentiment_score":-0.13848695106867512,"num_words":59,"start":2193.84,"end":2228.5698},{"sentences":[{"text":"Mhmm.","start":2229.91,"end":2230.41,"sentiment":"neutral","sentiment_score":0.003549986518919468},{"text":"Yep.","start":2230.71,"end":2231.21,"sentiment":"neutral","sentiment_score":0.02027423679828644},{"text":"Yep.","start":2231.91,"end":2232.41,"sentiment":"neutral","sentiment_score":0.03780229389667511},{"text":"Yeah.","start":2235.925,"end":2236.425,"sentiment":"neutral","sentiment_score":-0.011673135682940485},{"text":"Yeah.","start":2238.565,"end":2239.065,"sentiment":"neutral","sentiment_score":-0.00731312669813633}],"sentiment":"neutral","sentiment_score":0.00852805096656084,"num_words":5,"start":2229.91,"end":2239.065},{"sentences":[{"text":"Yep.","start":2239.445,"end":2239.925,"sentiment":"neutral","sentiment_score":0.23127709329128265},{"text":"Absolutely.","start":2239.925,"end":2240.425,"sentiment":"positive","sentiment_score":0.470064252614975},{"text":"Most definitely.","start":2240.965,"end":2241.865,"sentiment":"positive","sentiment_score":0.4731580317020416},{"text":"Well, I can factor that into your advice piece for you and show you what the expectation looks like and, you know, where we're going with this at the moment based on these current recommendations.","start":2242.0051,"end":2251.5198,"sentiment":"neutral","sentiment_score":0.28723927055086407},{"text":"So you've got a little bit of a guide as to what we're looking at.","start":2251.74,"end":2254.64,"sentiment":"neutral","sentiment_score":0.2526682903369268}],"sentiment":"neutral","sentiment_score":0.28687141173415714,"num_words":54,"start":2239.445,"end":2254.64},{"sentences":[{"text":"And then as we get closer and closer to that, we can just keep reviewing it.","start":2254.7,"end":2258.48,"sentiment":"neutral","sentiment_score":0.19779010955244303},{"text":"And then when we get to 60, we can look at a TTR and see if that provides a greater longevity and a greater, you know, benefit to you.","start":2258.6199,"end":2266.8948,"sentiment":"neutral","sentiment_score":0.25205180665542337},{"text":"Okay?","start":2266.9548,"end":2267.4548,"sentiment":"neutral","sentiment_score":0.19755762815475464},{"text":"Yep.","start":2268.075,"end":2268.555,"sentiment":"positive","sentiment_score":0.3345864713191986},{"text":"Perfect.","start":2268.555,"end":2269.055,"sentiment":"positive","sentiment_score":0.7427466511726379}],"sentiment":"neutral","sentiment_score":0.24477156034360328,"num_words":48,"start":2254.7,"end":2269.055},{"sentences":[{"text":"All good.","start":2269.115,"end":2269.755,"sentiment":"positive","sentiment_score":0.6983872056007385},{"text":"One of the things I do here is a lot of the retirement aspects.","start":2269.755,"end":2272.635,"sentiment":"neutral","sentiment_score":0.2500252510820116},{"text":"So I spend all day talking about retirement advice, talking about looking at age pension, things like that.","start":2272.635,"end":2278.7148,"sentiment":"neutral","sentiment_score":0.1679802673558394},{"text":"So you're welcome to come and ask me anything you might have.","start":2278.7148,"end":2281.51,"sentiment":"positive","sentiment_score":0.34784903734301525},{"text":"You're welcome to talk to me about those sort of things, and I'll make sure I factor a lot of that into the advice piece for you so you get a bit of a guide on what we're looking at instead of just focusing on super, just the accumulation.","start":2281.51,"end":2291.93,"sentiment":"neutral","sentiment_score":0.24072049877473287}],"sentiment":"neutral","sentiment_score":0.25147648028245095,"num_words":95,"start":2269.115,"end":2291.93},{"sentences":[{"text":"This is sort of showing you a little bit of what that looks like when you get to the end of that tunnel there.","start":2291.99,"end":2296.655,"sentiment":"neutral","sentiment_score":0.16327290205905834},{"text":"Okay?","start":2296.655,"end":2297.155,"sentiment":"neutral","sentiment_score":0.12483076751232149},{"text":"Perfect.","start":2298.895,"end":2299.395,"sentiment":"positive","sentiment_score":0.7531499862670898},{"text":"All good.","start":2299.615,"end":2300.435,"sentiment":"positive","sentiment_score":0.7320636510848999},{"text":"Is there anything else in the next sort of three to two you know, sort of one to two to three or even five years goal wise that you might be focusing on or that you might wanna achieve.","start":2300.975,"end":2311.1902,"sentiment":"neutral","sentiment_score":0.1810998091330895}],"sentiment":"neutral","sentiment_score":0.19885895912771795,"num_words":67,"start":2291.99,"end":2311.1902},{"sentences":[{"text":"Yep.","start":2321.345,"end":2321.845,"sentiment":"neutral","sentiment_score":0.15108056366443634},{"text":"Yep.","start":2321.905,"end":2322.385,"sentiment":"neutral","sentiment_score":0.18173623085021973},{"text":"That's okay.","start":2322.385,"end":2323.205,"sentiment":"neutral","sentiment_score":0.31212589144706726},{"text":"Another 100.","start":2324.385,"end":2325.025,"sentiment":"neutral","sentiment_score":0.23552965372800827},{"text":"Okay.","start":2325.025,"end":2325.525,"sentiment":"neutral","sentiment_score":0.1205926239490509}],"sentiment":"neutral","sentiment_score":0.2212457869734083,"num_words":7,"start":2321.345,"end":2325.525},{"sentences":[{"text":"Yeah.","start":2328.945,"end":2329.345,"sentiment":"neutral","sentiment_score":0.18408089876174927},{"text":"Absolutely.","start":2329.345,"end":2329.845,"sentiment":"neutral","sentiment_score":0.31377142667770386},{"text":"Let's aim for the moon.","start":2330.065,"end":2331.285,"sentiment":"neutral","sentiment_score":0.26247287094593047},{"text":"Yep.","start":2343.49,"end":2343.99,"sentiment":"neutral","sentiment_score":0.10164907574653624},{"text":"Yeah.","start":2353.845,"end":2354.2449,"sentiment":"neutral","sentiment_score":0.17961958050727844}],"sentiment":"neutral","sentiment_score":0.2323872596025467,"num_words":9,"start":2328.945,"end":2354.2449},{"sentences":[{"text":"Absolutely.","start":2354.2449,"end":2354.7449,"sentiment":"neutral","sentiment_score":0.25498566031455994},{"text":"Well, we'll definitely work on that for you.","start":2355.2048,"end":2356.805,"sentiment":"neutral","sentiment_score":0.3055884391069412},{"text":"I'll see what I can do.","start":2356.805,"end":2358.06,"sentiment":"neutral","sentiment_score":0.19915129244327545},{"text":"I'll have a look at just not just the Benelon in your portfolio, but I'll have a look at all the different options for portfolio sides of things and make it a recommendation to update that to see, you know, what's better performing what might help you out, making sure that we're not overexposing you at the same time.","start":2358.3801,"end":2375.805,"sentiment":"neutral","sentiment_score":0.11802573202146312},{"text":"Okay?","start":2375.865,"end":2376.365,"sentiment":"neutral","sentiment_score":0.07033050060272217}],"sentiment":"neutral","sentiment_score":0.14571266156931717,"num_words":75,"start":2354.2449,"end":2376.365},{"sentences":[{"text":"Beautiful.","start":2377.785,"end":2378.285,"sentiment":"positive","sentiment_score":0.5112719535827637},{"text":"Excellent.","start":2378.825,"end":2379.325,"sentiment":"positive","sentiment_score":0.539318323135376},{"text":"The last thing I just wanted to run through is a bit of a risk profile questionnaire as well just to kinda gauge what sort of portfolio you should be in and whether we should be starting to reduce your risk level a little bit or not.","start":2379.545,"end":2389.53,"sentiment":"neutral","sentiment_score":0.04504992099518471},{"text":"The first one here is just asking, have you ever invested in direct shares or managed fund in your own name before?","start":2390.07,"end":2395.75,"sentiment":"neutral","sentiment_score":0.000558487478304993},{"text":"Have you in ever invested outside of Super?","start":2395.75,"end":2398.25,"sentiment":"neutral","sentiment_score":-0.01067675743252039}],"sentiment":"neutral","sentiment_score":0.039174800361447694,"num_words":79,"start":2377.785,"end":2398.25},{"sentences":[{"text":"Nope.","start":2400.515,"end":2400.9148,"sentiment":"neutral","sentiment_score":-0.010176668874919416},{"text":"That's okay.","start":2400.9148,"end":2401.7349,"sentiment":"neutral","sentiment_score":0.3209185004234314},{"text":"The next question here is essentially asking, what sort of risk are you willing to take to try and get those greater returns knowing we do have the ups and downs in the market at the moment?","start":2402.515,"end":2411.7349,"sentiment":"neutral","sentiment_score":-0.06546338013297803},{"text":"Do you feel like you're more comfortable taking on a higher level of risk to get greater potential returns, or are you a bit more medium?","start":2412.01,"end":2419.05,"sentiment":"neutral","sentiment_score":-0.08762673646784745},{"text":"You still want the best returns you can, or you're not wanting to take any risk in the market and you wanna get the best returns you can for that level?","start":2419.05,"end":2426.03,"sentiment":"neutral","sentiment_score":0.13505149224112112}],"sentiment":"neutral","sentiment_score":0.001214601838788421,"num_words":97,"start":2400.515,"end":2426.03},{"sentences":[{"text":"Yep.","start":2431.765,"end":2432.265,"sentiment":"neutral","sentiment_score":0.16724996268749237},{"text":"Yep.","start":2435.845,"end":2436.345,"sentiment":"neutral","sentiment_score":0.1810409277677536},{"text":"Yeah.","start":2461.155,"end":2461.655,"sentiment":"neutral","sentiment_score":0.27342864871025085},{"text":"Yeah.","start":2461.715,"end":2462.215,"sentiment":"neutral","sentiment_score":0.28119418025016785},{"text":"Yeah.","start":2469.5,"end":2470.0,"sentiment":"neutral","sentiment_score":0.12319193035364152}],"sentiment":"neutral","sentiment_score":0.20522112995386124,"num_words":5,"start":2431.765,"end":2470.0},{"sentences":[{"text":"Mhmm.","start":2472.46,"end":2472.96,"sentiment":"neutral","sentiment_score":0.12817086279392242},{"text":"Yes.","start":2478.715,"end":2479.215,"sentiment":"neutral","sentiment_score":0.02841991186141968},{"text":"Yeah.","start":2481.5952,"end":2482.0952,"sentiment":"neutral","sentiment_score":-0.08943092823028564},{"text":"Yep.","start":2487.05,"end":2487.55,"sentiment":"neutral","sentiment_score":-0.06602086871862411},{"text":"Correct.","start":2491.69,"end":2492.19,"sentiment":"neutral","sentiment_score":0.016456976532936096}],"sentiment":"neutral","sentiment_score":0.0035191908478736877,"num_words":5,"start":2472.46,"end":2492.19},{"sentences":[{"text":"Yeah.","start":2493.29,"end":2493.79,"sentiment":"neutral","sentiment_score":0.007361985743045807},{"text":"Yep.","start":2498.57,"end":2499.07,"sentiment":"neutral","sentiment_score":0.038785845041275024},{"text":"Yeah.","start":2500.545,"end":2501.045,"sentiment":"neutral","sentiment_score":0.05683709681034088},{"text":"Yeah.","start":2503.345,"end":2503.845,"sentiment":"neutral","sentiment_score":0.1929730772972107},{"text":"Absolutely.","start":2504.2249,"end":2504.7249,"sentiment":"neutral","sentiment_score":0.2808980345726013}],"sentiment":"neutral","sentiment_score":0.11537120789289475,"num_words":5,"start":2493.29,"end":2504.7249},{"sentences":[{"text":"And then, look, with with your time horizon you have, you can be willing to take on a bit more risk in the market now.","start":2505.185,"end":2510.705,"sentiment":"neutral","sentiment_score":0.26748587906360627},{"text":"It's not a problem at all.","start":2510.705,"end":2512.17,"sentiment":"positive","sentiment_score":0.4007400373617808},{"text":"The idea is we start taking a bit more risk when you've got, you know, more than ten years or more than, say, six years to access your super.","start":2512.49,"end":2519.23,"sentiment":"neutral","sentiment_score":0.21308431260544677},{"text":"And then when you are about six years away, we start to really reduce that risk level down a bit.","start":2519.3699,"end":2524.41,"sentiment":"neutral","sentiment_score":0.15210467162542046},{"text":"But at the same time, we wanna not only have high risk investments, but we wanna diversify and have some low risk investments like cash and bonds.","start":2524.41,"end":2532.385,"sentiment":"neutral","sentiment_score":0.17522993987357174}],"sentiment":"neutral","sentiment_score":0.21536760818143594,"num_words":107,"start":2505.185,"end":2532.385},{"sentences":[{"text":"We also wanna have some gold and silver that work defensively at certain times as well to kinda offset the risk level a little bit there.","start":2532.385,"end":2539.505,"sentiment":"neutral","sentiment_score":0.2503160172357009},{"text":"So that's absolutely fine.","start":2539.505,"end":2541.5698,"sentiment":"positive","sentiment_score":0.5338268205523491},{"text":"I can definitely put you in between those two, the high and the medium.","start":2541.5698,"end":2545.0098,"sentiment":"positive","sentiment_score":0.42891112182821545},{"text":"It's not a problem.","start":2545.0098,"end":2546.0698,"sentiment":"neutral","sentiment_score":0.31331830471754074},{"text":"Yep.","start":2546.13,"end":2546.5298,"sentiment":"positive","sentiment_score":0.37010201811790466}],"sentiment":"neutral","sentiment_score":0.332074585161647,"num_words":49,"start":2532.385,"end":2546.5298},{"sentences":[{"text":"Excellent.","start":2546.5298,"end":2547.0298,"sentiment":"positive","sentiment_score":0.6478860378265381},{"text":"The next one here is just asking if you did see your super fall in value in the next, say, six to twelve months because of what's happening externally, How does that make you feel?","start":2548.13,"end":2556.795,"sentiment":"neutral","sentiment_score":-0.041440371264304436},{"text":"How do you think you might be feeling about that?","start":2556.795,"end":2559.055,"sentiment":"neutral","sentiment_score":-0.04541265740990639},{"text":"Yep.","start":2565.835,"end":2566.335,"sentiment":"neutral","sentiment_score":-0.020908210426568985},{"text":"Yeah.","start":2571.85,"end":2572.35,"sentiment":"neutral","sentiment_score":-0.004344243556261063}],"sentiment":"neutral","sentiment_score":-0.02670637467720856,"num_words":48,"start":2546.5298,"end":2572.35},{"sentences":[{"text":"Yeah.","start":2580.185,"end":2580.685,"sentiment":"neutral","sentiment_score":-0.02804137207567692},{"text":"Yeah.","start":2582.745,"end":2583.245,"sentiment":"neutral","sentiment_score":-0.042784884572029114},{"text":"Yeah.","start":2585.785,"end":2586.025,"sentiment":"neutral","sentiment_score":-0.01683889888226986},{"text":"Yeah.","start":2586.025,"end":2586.525,"sentiment":"neutral","sentiment_score":-0.0375494584441185},{"text":"Yeah.","start":2599.7998,"end":2600.2998,"sentiment":"neutral","sentiment_score":-0.12021728605031969}],"sentiment":"neutral","sentiment_score":-0.049086380004882815,"num_words":5,"start":2580.185,"end":2600.2998},{"sentences":[{"text":"Yep.","start":2605.175,"end":2605.675,"sentiment":"neutral","sentiment_score":-0.029413074254989624},{"text":"Absolutely.","start":2606.055,"end":2606.555,"sentiment":"neutral","sentiment_score":0.2040324509143829},{"text":"That's a really good way of looking at it.","start":2606.935,"end":2608.535,"sentiment":"positive","sentiment_score":0.3535500599278344},{"text":"That's perfect.","start":2608.535,"end":2609.355,"sentiment":"positive","sentiment_score":0.5563602149486542},{"text":"So you can sort of sell by with Hub twenty four having that downtime, but also CareSleeper.","start":2609.415,"end":2613.835,"sentiment":"neutral","sentiment_score":0.14125986747881947}],"sentiment":"neutral","sentiment_score":0.2290236031015714,"num_words":30,"start":2605.175,"end":2613.835},{"sentences":[{"text":"It's not just the thing about the portfolio.","start":2613.895,"end":2615.815,"sentiment":"neutral","sentiment_score":0.04626205516979098},{"text":"It's definitely more of a market reaction to what's been happening.","start":2615.815,"end":2618.955,"sentiment":"neutral","sentiment_score":0.016108039766550064},{"text":"So in those sorts of instances, do you feel like you just wanna hold and wait?","start":2620.89,"end":2624.01,"sentiment":"neutral","sentiment_score":-0.0005910366307944059},{"text":"Do you feel like you wanna call us and see what's happening, or do you just wanna sort of wait and see what happens over the course of the next few months?","start":2624.01,"end":2630.65,"sentiment":"neutral","sentiment_score":-0.01359424962720368},{"text":"What's your normal reaction to sort of downtime like we're seeing?","start":2630.65,"end":2634.03,"sentiment":"neutral","sentiment_score":-0.13554275780916214}],"sentiment":"neutral","sentiment_score":-0.017796897836841453,"num_words":78,"start":2613.895,"end":2634.03},{"sentences":[{"text":"That's like that's like I'm so you're so awkward.","start":2639.465,"end":2643.165,"sentiment":"neutral","sentiment_score":-0.324004633559121},{"text":"If we say with the market reactions that we do see at the moment, the ups and downs, because it is quite volatile and has been over the last few months as well, seeing those downtimes, like, if your portfolio, say, fell by 20% both in CareSoup and in Hub twenty four, we saw a COVID event or something come like that, Would you be wanting to call us and see what's going on?","start":2643.785,"end":2663.935,"sentiment":"neutral","sentiment_score":-0.15943549543216423},{"text":"Would you be a bit more concerned, maybe wanting to be move money to something more safer, or do you think you just sort of hold and wait and see what happens over the course of the next few months?","start":2663.935,"end":2672.655,"sentiment":"neutral","sentiment_score":-0.16092881690710784},{"text":"How do you think you might react?","start":2672.655,"end":2674.195,"sentiment":"neutral","sentiment_score":-0.10448318719863892},{"text":"Yeah.","start":2682.53,"end":2683.03,"sentiment":"neutral","sentiment_score":-0.04956052452325821}],"sentiment":"neutral","sentiment_score":-0.16742262500160524,"num_words":131,"start":2639.465,"end":2683.03},{"sentences":[{"text":"Yep.","start":2696.785,"end":2697.285,"sentiment":"neutral","sentiment_score":-0.008073844015598297},{"text":"Yeah.","start":2704.1602,"end":2704.6602,"sentiment":"neutral","sentiment_score":-0.01948569528758526},{"text":"Yep.","start":2707.6,"end":2708.1,"sentiment":"neutral","sentiment_score":-0.024704009294509888},{"text":"Yeah.","start":2709.76,"end":2710.26,"sentiment":"neutral","sentiment_score":-0.032507698982954025},{"text":"Yeah.","start":2729.02,"end":2729.52,"sentiment":"neutral","sentiment_score":-0.053697265684604645}],"sentiment":"neutral","sentiment_score":-0.027693702653050423,"num_words":5,"start":2696.785,"end":2729.52},{"sentences":[{"text":"Mhmm.","start":2736.235,"end":2736.735,"sentiment":"neutral","sentiment_score":-0.03859694674611091},{"text":"Okay.","start":2740.235,"end":2740.735,"sentiment":"neutral","sentiment_score":0.1526702344417572},{"text":"Perfect.","start":2740.795,"end":2741.295,"sentiment":"positive","sentiment_score":0.46016132831573486},{"text":"Excellent.","start":2741.675,"end":2742.175,"sentiment":"positive","sentiment_score":0.530410885810852},{"text":"All good.","start":2742.395,"end":2743.215,"sentiment":"positive","sentiment_score":0.5760189294815063}],"sentiment":"positive","sentiment_score":0.37611389346420765,"num_words":6,"start":2736.235,"end":2743.215},{"sentences":[{"text":"Lovely.","start":2744.395,"end":2744.895,"sentiment":"positive","sentiment_score":0.5492573976516724},{"text":"Well, having a look at that now, the portfolio we sorta have you in, it looks like it's more of a high growth sort of portfolio from where you were.","start":2744.955,"end":2751.8499,"sentiment":"neutral","sentiment_score":0.10308975415925185},{"text":"In saying that a high growth investor has about eight years before they're wanting to access their suite.","start":2753.3499,"end":2758.23,"sentiment":"neutral","sentiment_score":-0.03180485648206539},{"text":"But, generally, you're expecting kind of eight to 10% returns on a yearly basis there, but you do expect a likelihood of a negative return sort of one in every five years as well.","start":2758.23,"end":2768.2551,"sentiment":"neutral","sentiment_score":-0.290184365475879},{"text":"We can look at maybe reducing your exposure, looking at more of a growth portfolio, which sees 80% in those growth investments.","start":2769.195,"end":2776.735,"sentiment":"neutral","sentiment_score":-0.05363699658350511}],"sentiment":"neutral","sentiment_score":-0.07596971185966617,"num_words":105,"start":2744.395,"end":2776.735},{"sentences":[{"text":"Again, the likelihood of a negative return is that one in five, and we're expecting or hoping for around about seven to 9% as a return.","start":2777.6099,"end":2784.91,"sentiment":"neutral","sentiment_score":-0.22164380106215292},{"text":"Did you want me to sort of bring the risk level down just a little bit to that growth sort of environment, still giving you the eighty twenty split, still looking at some of those, the gold and silver and things like that.","start":2785.21,"end":2795.955,"sentiment":"neutral","sentiment_score":-0.045323911794396335},{"text":"But just maybe bringing it back a bit for the for the next maybe year or so, or did you wanna stay in that high growth environment?","start":2795.955,"end":2803.415,"sentiment":"neutral","sentiment_score":-0.017633562562642275},{"text":"What do you feel?","start":2803.795,"end":2804.855,"sentiment":"neutral","sentiment_score":-0.0611166013404727},{"text":"That's okay.","start":2818.055,"end":2818.795,"sentiment":"neutral","sentiment_score":-0.03536587581038475}],"sentiment":"neutral","sentiment_score":-0.08336246451910805,"num_words":102,"start":2777.6099,"end":2818.795},{"sentences":[{"text":"Oh, no.","start":2822.855,"end":2823.4148,"sentiment":"neutral","sentiment_score":-0.05033979192376137},{"text":"You're right.","start":2823.4148,"end":2824.1548,"sentiment":"neutral","sentiment_score":0.03387703560292721},{"text":"It's all good.","start":2824.2148,"end":2825.1948,"sentiment":"neutral","sentiment_score":0.17607940485080084},{"text":"No.","start":2827.9749,"end":2828.2148,"sentiment":"neutral","sentiment_score":-0.051472678780555725},{"text":"You are absolutely fine.","start":2828.2148,"end":2829.515,"sentiment":"neutral","sentiment_score":0.07629631832242012}],"sentiment":"neutral","sentiment_score":0.06241877470165491,"num_words":12,"start":2822.855,"end":2829.515},{"sentences":[{"text":"With where you are at the moment, like, the growth portfolio, did you hear the the information on the high growth portfolio?","start":2830.08,"end":2835.4402,"sentiment":"neutral","sentiment_score":-0.007832893001084978},{"text":"Was it the last thing you kind of heard?","start":2835.4402,"end":2837.86,"sentiment":"neutral","sentiment_score":-0.04764932104282909},{"text":"Yep.","start":2839.84,"end":2840.32,"sentiment":"neutral","sentiment_score":0.05260230600833893},{"text":"Yep.","start":2840.32,"end":2840.82,"sentiment":"neutral","sentiment_score":0.0624929741024971},{"text":"With the what you're right.","start":2842.335,"end":2844.015,"sentiment":"neutral","sentiment_score":0.030380867421627045}],"sentiment":"neutral","sentiment_score":-0.008793892583956844,"num_words":38,"start":2830.08,"end":2844.015},{"sentences":[{"text":"So sorry.","start":2844.015,"end":2844.575,"sentiment":"neutral","sentiment_score":-0.08346149511635303},{"text":"You go.","start":2844.575,"end":2845.155,"sentiment":"neutral","sentiment_score":-0.06606445088982582},{"text":"You're fine.","start":2846.975,"end":2847.775,"sentiment":"neutral","sentiment_score":0.03936993144452572},{"text":"What we could look at doing with the amount of volatility we are seeing at the moment, we could look at just reducing it back a little bit.","start":2847.775,"end":2853.375,"sentiment":"neutral","sentiment_score":-0.06157534423151186},{"text":"Going from that high growth environment, it's reducing your exposure into those growth assets by around about 10%.","start":2853.375,"end":2859.0598,"sentiment":"neutral","sentiment_score":0.005370651268296772}],"sentiment":"neutral","sentiment_score":-0.03553365278415955,"num_words":52,"start":2844.015,"end":2859.0598},{"sentences":[{"text":"So we're kinda just pulling back a small amount there.","start":2859.0598,"end":2861.8,"sentiment":"neutral","sentiment_score":-0.07564687095582485},{"text":"With the growth portfolio, it's about 80% invested in those growth assets still.","start":2862.0999,"end":2866.98,"sentiment":"neutral","sentiment_score":0.19738527874533945},{"text":"We still got 20% defensive lower risk investments where generally suits someone who has about six years before they're accessing super.","start":2866.98,"end":2874.685,"sentiment":"neutral","sentiment_score":0.16430554459137575},{"text":"So it does you do have more than the double the time horizon there based on your age and age 67 at the moment.","start":2874.685,"end":2880.945,"sentiment":"neutral","sentiment_score":-0.011482914832110206},{"text":"Again, we do expect the likelihood of a negative return about one in every five years, and we're hoping you're pushing for about a seven to 9% return for this sort of portfolio.","start":2881.645,"end":2890.24,"sentiment":"neutral","sentiment_score":-0.16371914797998738}],"sentiment":"neutral","sentiment_score":-0.004142232561981914,"num_words":101,"start":2859.0598,"end":2890.24},{"sentences":[{"text":"But this is pulling you back a little bit to begin with.","start":2890.38,"end":2892.94,"sentiment":"neutral","sentiment_score":-0.06500258762389421},{"text":"Do you feel fairly fairly comfortable looking at that maybe?","start":2892.94,"end":2895.5999,"sentiment":"neutral","sentiment_score":0.057789576798677446},{"text":"Yep.","start":2895.735,"end":2896.235,"sentiment":"neutral","sentiment_score":0.10183196514844894},{"text":"Yep.","start":2902.935,"end":2903.435,"sentiment":"neutral","sentiment_score":0.23928984999656677},{"text":"Realistically, to increase the growth, you'd have to increase the risk level, but decreasing the growth is the growth aspect.","start":2907.175,"end":2915.36,"sentiment":"neutral","sentiment_score":0.0850966515019536}],"sentiment":"neutral","sentiment_score":0.04183908094736663,"num_words":44,"start":2890.38,"end":2915.36},{"sentences":[{"text":"Not necessarily isn't gonna decrease the returns, but it is just putting you in more of a not so much a safer position, but more of a defensive position.","start":2915.9001,"end":2922.94,"sentiment":"neutral","sentiment_score":0.009525842001212054},{"text":"Does that feel more comfortable?","start":2922.94,"end":2924.1401,"sentiment":"neutral","sentiment_score":0.15664815455675124},{"text":"Does that make sense?","start":2924.1401,"end":2925.2,"sentiment":"neutral","sentiment_score":0.16273042559623718},{"text":"You're right.","start":2928.835,"end":2929.4949,"sentiment":"neutral","sentiment_score":0.0992170125246048},{"text":"Mhmm.","start":2931.2349,"end":2931.7349,"sentiment":"neutral","sentiment_score":0.03169190138578415}],"sentiment":"neutral","sentiment_score":0.04733019072289874,"num_words":41,"start":2915.9001,"end":2931.7349},{"sentences":[{"text":"Let me just have a look at the, yeah, you're right.","start":2936.115,"end":2938.37,"sentiment":"neutral","sentiment_score":0.069074386222796},{"text":"Let me just have a look.","start":2938.37,"end":2939.4102,"sentiment":"neutral","sentiment_score":0.07005342654883862},{"text":"I have a tool for that because it goes on your age as well.","start":2939.4102,"end":2945.99,"sentiment":"neutral","sentiment_score":0.09955729384507452},{"text":"So 55 and the fact that you're a male versus a female.","start":2946.29,"end":2949.6702,"sentiment":"neutral","sentiment_score":0.06487307635446389},{"text":"It's amazing the things that they take into account here.","start":2950.645,"end":2953.8452,"sentiment":"neutral","sentiment_score":0.31293685734272003}],"sentiment":"neutral","sentiment_score":0.12229785681614336,"num_words":53,"start":2936.115,"end":2953.8452},{"sentences":[{"text":"So we're, say, 55 and we're a male.","start":2953.8452,"end":2957.8652,"sentiment":"neutral","sentiment_score":0.028509194031357765},{"text":"Sorry.","start":2958.0852,"end":2958.5852,"sentiment":"neutral","sentiment_score":-0.043661996722221375},{"text":"Yep.","start":2959.6052,"end":2959.7651,"sentiment":"neutral","sentiment_score":-0.015252213925123216},{"text":"So no.","start":2959.7651,"end":2960.5952,"sentiment":"neutral","sentiment_score":-0.05679997056722641},{"text":"No.","start":2964.1,"end":2964.26,"sentiment":"neutral","sentiment_score":-0.09117871522903442}],"sentiment":"neutral","sentiment_score":-0.0027399472892284393,"num_words":13,"start":2953.8452,"end":2964.26},{"sentences":[{"text":"You're fine.","start":2964.26,"end":2965.08,"sentiment":"neutral","sentiment_score":-0.04712962359189987},{"text":"No.","start":2967.3,"end":2967.62,"sentiment":"neutral","sentiment_score":-0.1286824494600296},{"text":"I'm I'm absolutely not.","start":2967.62,"end":2969.62,"sentiment":"neutral","sentiment_score":-0.14331935718655586},{"text":"Do not worry in any way, shape, or form.","start":2969.62,"end":2971.64,"sentiment":"neutral","sentiment_score":-0.0799088180065155},{"text":"I kind of I actually do ask that question quite regularly going now.","start":2972.82,"end":2975.7449,"sentiment":"neutral","sentiment_score":-0.009376775473356247}],"sentiment":"neutral","sentiment_score":-0.056458502365597366,"num_words":29,"start":2964.26,"end":2975.7449},{"sentences":[{"text":"Just double checking.","start":2975.7449,"end":2976.785,"sentiment":"neutral","sentiment_score":-0.055598980436722435},{"text":"How do you identify?","start":2976.785,"end":2977.7449,"sentiment":"neutral","sentiment_score":-0.06391538958996534},{"text":"Because I have been yelled at the past just by assuming.","start":2977.7449,"end":2980.4849,"sentiment":"neutral","sentiment_score":-0.19032173265110364},{"text":"No.","start":2987.6099,"end":2988.0898,"sentiment":"neutral","sentiment_score":-0.06998582184314728},{"text":"That's awesome.","start":2988.0898,"end":2988.91,"sentiment":"neutral","sentiment_score":0.18016693741083145}],"sentiment":"neutral","sentiment_score":-0.10598330980255491,"num_words":21,"start":2975.7449,"end":2988.91},{"sentences":[{"text":"Okay.","start":2990.49,"end":2990.99,"sentiment":"neutral","sentiment_score":0.06386168301105499},{"text":"Sorry.","start":2991.45,"end":2991.93,"sentiment":"neutral","sentiment_score":0.01681211218237877},{"text":"That's right.","start":2991.93,"end":2992.41,"sentiment":"neutral","sentiment_score":0.00813278928399086},{"text":"It's a little bit.","start":2992.41,"end":2993.21,"sentiment":"neutral","sentiment_score":-0.044738166965544224},{"text":"So 55 for a male.","start":2993.21,"end":2995.15,"sentiment":"neutral","sentiment_score":-0.016380217485129835}],"sentiment":"neutral","sentiment_score":-0.01260879857895466,"num_words":13,"start":2990.49,"end":2995.15},{"sentences":[{"text":"So average based on being a male and a rather 55 years of age, the average super balance is about 301,900 and 20 two.","start":2995.3699,"end":3010.285,"sentiment":"neutral","sentiment_score":-0.008492247589553395},{"text":"Yeah.","start":3010.305,"end":3010.625,"sentiment":"neutral","sentiment_score":0.002822181209921837},{"text":"Yeah.","start":3010.625,"end":3011.025,"sentiment":"neutral","sentiment_score":0.012231674045324326},{"text":"Based on the the average at the moment.","start":3011.025,"end":3012.865,"sentiment":"neutral","sentiment_score":0.00901777925901115},{"text":"Yeah.","start":3012.865,"end":3013.105,"sentiment":"neutral","sentiment_score":0.14211559295654297}],"sentiment":"neutral","sentiment_score":0.0007285068609884807,"num_words":35,"start":2995.3699,"end":3013.105},{"sentences":[{"text":"So that's okay.","start":3013.105,"end":3013.7449,"sentiment":"neutral","sentiment_score":0.2320108264684677},{"text":"Well, I'm comfortable to put you in that growth environment there.","start":3013.7449,"end":3016.545,"sentiment":"positive","sentiment_score":0.5764714912934736},{"text":"I'll look at what we can do with the portfolio, look at adding a bit of commodities in there as well, and what that looks like over the next sort of twelve years based on your age.","start":3016.545,"end":3026.6401,"sentiment":"neutral","sentiment_score":0.2749151619704994},{"text":"I'll look at the insurance side of things for you, see what we can get, making sure that you've got access to those funds and any additional benefits that you might be able to access to make sure it's easier for your wife to be able to claim.","start":3027.5,"end":3038.335,"sentiment":"positive","sentiment_score":0.3589123620962103},{"text":"Just checking because I do take into account, obviously, the retirement aspect, and part of that is also taking into account Yep.","start":3039.355,"end":3047.0,"sentiment":"neutral","sentiment_score":0.12849350070411508}],"sentiment":"neutral","sentiment_score":0.30796471299711337,"num_words":121,"start":3013.105,"end":3047.0},{"sentences":[{"text":"Perfect Yep.","start":3052.6575,"end":3059.295,"sentiment":"positive","sentiment_score":0.35217130184173584},{"text":"Perfect.","start":3059.295,"end":3059.795,"sentiment":"positive","sentiment_score":0.6556358933448792},{"text":"I love that.","start":3059.935,"end":3060.575,"sentiment":"positive","sentiment_score":0.7506762544314066},{"text":"Love a good barista myself.","start":3060.575,"end":3062.035,"sentiment":"positive","sentiment_score":0.6870724558830261},{"text":"And do you know roughly what her super balance might be, even just a rough estimate?","start":3063.535,"end":3067.875,"sentiment":"neutral","sentiment_score":0.14956439146772027}],"sentiment":"positive","sentiment_score":0.3496444371563417,"num_words":27,"start":3052.6575,"end":3067.875},{"sentences":[{"text":"No idea.","start":3069.375,"end":3069.935,"sentiment":"neutral","sentiment_score":-0.18460772186517715},{"text":"That's okay.","start":3069.935,"end":3070.575,"sentiment":"neutral","sentiment_score":-0.12355447933077812},{"text":"We'll just go on the fact we'll just work on that she has no super just to kind of work it out.","start":3070.575,"end":3074.8,"sentiment":"neutral","sentiment_score":-0.12170246853069826},{"text":"How's she been working your do you know how's she been working for a lot of years, or did she take a massive amount of time off?","start":3074.8,"end":3084.98,"sentiment":"neutral","sentiment_score":-0.08411165382023211},{"text":"Okay.","start":3090.825,"end":3091.2249,"sentiment":"neutral","sentiment_score":0.002762394957244396}],"sentiment":"neutral","sentiment_score":-0.10300057348622768,"num_words":54,"start":3069.375,"end":3091.2249},{"sentences":[{"text":"Fifteen years.","start":3091.2249,"end":3092.105,"sentiment":"neutral","sentiment_score":0.02161884680390358},{"text":"Perfect.","start":3092.105,"end":3092.605,"sentiment":"neutral","sentiment_score":0.25372594594955444},{"text":"Just sort of looking at you're right.","start":3093.305,"end":3095.065,"sentiment":"neutral","sentiment_score":0.06378224758165223},{"text":"Sorry.","start":3095.065,"end":3095.565,"sentiment":"neutral","sentiment_score":-0.07734546810388565},{"text":"Yeah.","start":3103.24,"end":3103.74,"sentiment":"neutral","sentiment_score":-0.01916305534541607}],"sentiment":"neutral","sentiment_score":0.053910904098302126,"num_words":12,"start":3091.2249,"end":3103.74},{"sentences":[{"text":"I was thinking probably maybe about 30,000 to work on as a bit of a buffer.","start":3104.52,"end":3108.6,"sentiment":"neutral","sentiment_score":-0.01733418763615191},{"text":"It just kind of helps us to look at what the retirement aspect looks like and the longevity of your super and whether, you know, hers can provide a bit of a benefit there as well for you.","start":3108.6,"end":3118.1848,"sentiment":"positive","sentiment_score":0.4160260636555521},{"text":"So I just needed that information just as a bit of a buffer to help me with the research component, but I'll update the advice to reflect, and we'll go through it together.","start":3118.1848,"end":3125.9202,"sentiment":"neutral","sentiment_score":0.19310739094560797},{"text":"You'll be able to see that.","start":3125.9202,"end":3127.46,"sentiment":"neutral","sentiment_score":0.17897798120975494},{"text":"I know a lot of this is me talking, and I don't wanna talk at you.","start":3127.52,"end":3130.8801,"sentiment":"neutral","sentiment_score":-0.03799485438503325}],"sentiment":"neutral","sentiment_score":0.20523061958748265,"num_words":109,"start":3104.52,"end":3130.8801},{"sentences":[{"text":"So when I give you the advice, I'll have some visuals in there so you can have a look at everything and see it, and then you get to take it away and read it as well so you can take it in.","start":3130.8801,"end":3138.96,"sentiment":"neutral","sentiment_score":0.05980008364070293},{"text":"Okay?","start":3138.96,"end":3139.46,"sentiment":"neutral","sentiment_score":-0.0041431766003370285},{"text":"Perfect.","start":3141.365,"end":3141.865,"sentiment":"positive","sentiment_score":0.4321914315223694},{"text":"All good.","start":3141.925,"end":3142.325,"sentiment":"positive","sentiment_score":0.4301544278860092},{"text":"Well, I have everything I need at the moment to kinda go back.","start":3142.325,"end":3144.905,"sentiment":"neutral","sentiment_score":0.1803463605734018}],"sentiment":"neutral","sentiment_score":0.10340438991164168,"num_words":60,"start":3130.8801,"end":3144.905},{"sentences":[{"text":"The only last question I had is when it comes to portfolios, you like to see the investments you're in.","start":3145.045,"end":3149.685,"sentiment":"neutral","sentiment_score":0.04922525845468044},{"text":"You did mention you like to look at it on a regular basis.","start":3149.685,"end":3152.2449,"sentiment":"neutral","sentiment_score":0.0832782771724921},{"text":"You do like to see where your money's invested and have that clarity.","start":3152.2449,"end":3155.545,"sentiment":"neutral","sentiment_score":0.08735226209347065},{"text":"Is that right?","start":3155.98,"end":3156.8,"sentiment":"neutral","sentiment_score":0.04687039305766424},{"text":"Yeah.","start":3157.34,"end":3157.84,"sentiment":"neutral","sentiment_score":0.14417500793933868}],"sentiment":"neutral","sentiment_score":0.06974976733326912,"num_words":50,"start":3145.045,"end":3157.84},{"sentences":[{"text":"That's fine.","start":3157.9001,"end":3158.62,"sentiment":"neutral","sentiment_score":0.2061341181397438},{"text":"Absolutely fine.","start":3158.62,"end":3159.84,"sentiment":"positive","sentiment_score":0.38223396241664886},{"text":"Perfect.","start":3160.22,"end":3160.72,"sentiment":"positive","sentiment_score":0.4301636815071106},{"text":"As you are getting older, sort of looking at I'll probably take away the active management component.","start":3160.9402,"end":3165.52,"sentiment":"neutral","sentiment_score":-0.06467395275831223},{"text":"I think having more of a passive portfolio can, a, be a little bit lower cost, which means you have more money invested, but it also is taking away some of the risk levels.","start":3165.58,"end":3175.205,"sentiment":"neutral","sentiment_score":0.04287437491995447}],"sentiment":"neutral","sentiment_score":0.03509234630369714,"num_words":56,"start":3157.9001,"end":3175.205},{"sentences":[{"text":"So having those active managers in your portfolio when you're younger can provide benefit because they're trying to outperform the market.","start":3175.205,"end":3181.865,"sentiment":"neutral","sentiment_score":0.18523976135821568},{"text":"But at the same time, you do pay more for those investment managers, whereas often the passive portfolio can actually give you greater benefit.","start":3182.26,"end":3190.34,"sentiment":"neutral","sentiment_score":0.21609519484142461},{"text":"It's cheaper, leaves more money invested, and often just participating in the market and having more of an active portfolio actually performs better than those active managers do.","start":3190.34,"end":3199.515,"sentiment":"positive","sentiment_score":0.3426746481231281},{"text":"So you're comfortable with me looking at something low cost, cheaper that's still working for you?","start":3199.515,"end":3204.015,"sentiment":"neutral","sentiment_score":0.3292538896203041},{"text":"Yep.","start":3204.7148,"end":3205.115,"sentiment":"neutral","sentiment_score":0.16957777738571167}],"sentiment":"neutral","sentiment_score":0.26787610914972093,"num_words":90,"start":3175.205,"end":3205.115},{"sentences":[{"text":"Perfect.","start":3205.115,"end":3205.615,"sentiment":"positive","sentiment_score":0.48858875036239624},{"text":"Now do you have any questions for me, Darren?","start":3205.915,"end":3208.795,"sentiment":"neutral","sentiment_score":0.12460979984866248},{"text":"I'm sorry.","start":3208.795,"end":3209.195,"sentiment":"neutral","sentiment_score":-0.124089814722538},{"text":"I know everything about you.","start":3209.195,"end":3210.395,"sentiment":"neutral","sentiment_score":-0.0984381079673767},{"text":"You're welcome to ask me anything, get me clarify anything additional for you.","start":3210.395,"end":3214.4,"sentiment":"neutral","sentiment_score":0.25975677829522353}],"sentiment":"neutral","sentiment_score":0.14155149658521016,"num_words":30,"start":3205.115,"end":3214.4},{"sentences":[{"text":"Or Yep.","start":3214.4,"end":3227.985,"sentiment":"neutral","sentiment_score":-0.06950704380869865},{"text":"Yep.","start":3228.7651,"end":3229.2651,"sentiment":"neutral","sentiment_score":-0.10556962341070177},{"text":"That's okay.","start":3232.685,"end":3233.5051,"sentiment":"neutral","sentiment_score":-0.161343552172184},{"text":"Yeah.","start":3235.885,"end":3236.385,"sentiment":"neutral","sentiment_score":-0.1578291654586792},{"text":"Yeah.","start":3238.3,"end":3238.8,"sentiment":"neutral","sentiment_score":-0.1827380359172821}],"sentiment":"neutral","sentiment_score":-0.12969114524977549,"num_words":7,"start":3214.4,"end":3238.8},{"sentences":[{"text":"Yeah.","start":3243.74,"end":3243.98,"sentiment":"neutral","sentiment_score":-0.19126203656196591},{"text":"Yep.","start":3243.98,"end":3244.48,"sentiment":"neutral","sentiment_score":0.023735996335744854},{"text":"Yep.","start":3244.94,"end":3245.44,"sentiment":"neutral","sentiment_score":0.06236971542239189},{"text":"Yeah.","start":3250.5552,"end":3251.0552,"sentiment":"neutral","sentiment_score":-0.01241455227136612},{"text":"Yeah.","start":3253.835,"end":3254.335,"sentiment":"neutral","sentiment_score":-0.01839764416217804}],"sentiment":"neutral","sentiment_score":-0.027193704247474665,"num_words":5,"start":3243.74,"end":3254.335},{"sentences":[{"text":"Yeah.","start":3258.235,"end":3258.735,"sentiment":"neutral","sentiment_score":-0.14049884676933289},{"text":"Yeah.","start":3262.81,"end":3263.31,"sentiment":"neutral","sentiment_score":-0.06814906001091003},{"text":"Yep.","start":3270.25,"end":3270.57,"sentiment":"neutral","sentiment_score":0.07365943491458893},{"text":"Perfect.","start":3270.57,"end":3271.05,"sentiment":"neutral","sentiment_score":0.20178107917308807},{"text":"No.","start":3271.05,"end":3271.21,"sentiment":"neutral","sentiment_score":0.0491119883954525}],"sentiment":"neutral","sentiment_score":0.023180919140577315,"num_words":5,"start":3258.235,"end":3271.21},{"sentences":[{"text":"That's okay.","start":3271.21,"end":3271.69,"sentiment":"neutral","sentiment_score":0.10838309302926064},{"text":"Well, if anything does come up, let me know.","start":3271.69,"end":3273.825,"sentiment":"neutral","sentiment_score":0.09160767743984859},{"text":"I am just gonna send you an email after the call as well.","start":3274.065,"end":3276.865,"sentiment":"neutral","sentiment_score":0.11354123170559223},{"text":"It'll have the annual review documents in there.","start":3276.865,"end":3279.105,"sentiment":"neutral","sentiment_score":0.06538978917524219},{"text":"So it's important that we do update our ongoing service agreement for the next twelve months.","start":3279.105,"end":3283.665,"sentiment":"neutral","sentiment_score":0.05778182530775666}],"sentiment":"neutral","sentiment_score":0.08260205861491461,"num_words":48,"start":3271.21,"end":3283.665},{"sentences":[{"text":"Now I just wanna make sure you're fully aware of everything.","start":3283.665,"end":3286.385,"sentiment":"neutral","sentiment_score":0.07143309170549567},{"text":"So you do pay an ongoing service fee to our services.","start":3286.385,"end":3289.025,"sentiment":"neutral","sentiment_score":0.04214817387136546},{"text":"That's for us looking after your sleep, but updating your advice, and you have me here whenever you need me as well.","start":3289.025,"end":3294.57,"sentiment":"neutral","sentiment_score":0.1209881766275926},{"text":"I'm gonna put myself on your account as your adviser.","start":3295.03,"end":3297.85,"sentiment":"neutral","sentiment_score":0.1425555668771267},{"text":"So you can I'll also email you after the call so you have my direct email.","start":3297.9102,"end":3301.9102,"sentiment":"neutral","sentiment_score":0.1267941384576261}],"sentiment":"neutral","sentiment_score":0.1052199384463685,"num_words":70,"start":3283.665,"end":3301.9102},{"sentences":[{"text":"You can email me these questions.","start":3301.9102,"end":3303.485,"sentiment":"neutral","sentiment_score":0.13376196598013243},{"text":"You can call me whenever you need, and I will make sure I'm available for you.","start":3303.485,"end":3307.345,"sentiment":"neutral","sentiment_score":0.14835810055956244},{"text":"I wanna make sure that moving forward, you have that direct contact as well.","start":3307.645,"end":3311.345,"sentiment":"neutral","sentiment_score":0.16245046364409582},{"text":"But you do pay an ongoing service fee to our services.","start":3311.725,"end":3314.3052,"sentiment":"neutral","sentiment_score":0.02312212132594802},{"text":"It is one point five percent.","start":3314.365,"end":3316.08,"sentiment":"neutral","sentiment_score":0.17938865224520364}],"sentiment":"neutral","sentiment_score":0.12794873856429784,"num_words":53,"start":3301.9102,"end":3316.08},{"sentences":[{"text":"Do you understand how all that works?","start":3316.08,"end":3317.6,"sentiment":"neutral","sentiment_score":0.11187835569892611},{"text":"Do you have questions around it?","start":3317.6,"end":3318.8801,"sentiment":"neutral","sentiment_score":0.06750913461049397},{"text":"No.","start":3318.8801,"end":3319.3801,"sentiment":"neutral","sentiment_score":-0.034109488129615784},{"text":"It has.","start":3323.36,"end":3324.02,"sentiment":"neutral","sentiment_score":-0.04053978808224201},{"text":"Yeah.","start":3324.8801,"end":3325.36,"sentiment":"neutral","sentiment_score":-0.05493304133415222}],"sentiment":"neutral","sentiment_score":0.059887128936893796,"num_words":17,"start":3316.08,"end":3325.36},{"sentences":[{"text":"We yeah.","start":3325.36,"end":3328.355,"sentiment":"neutral","sentiment_score":-0.11671125143766403},{"text":"No.","start":3328.575,"end":3329.075,"sentiment":"neutral","sentiment_score":-0.22674483060836792},{"text":"That's okay.","start":3329.375,"end":3330.015,"sentiment":"neutral","sentiment_score":0.06317365355789661},{"text":"I'm gonna turn that back on now.","start":3330.015,"end":3331.875,"sentiment":"neutral","sentiment_score":0.0807488416986806},{"text":"I will get send the documents out to you to sign so we can turn that back on, but I'm gonna make sure that you're obviously getting the services as well.","start":3332.255,"end":3338.895,"sentiment":"neutral","sentiment_score":0.17690788209438324}],"sentiment":"neutral","sentiment_score":0.13292014442904052,"num_words":43,"start":3325.36,"end":3338.895},{"sentences":[{"text":"And if at any point you feel like you're not, you let me know, and I'll make sure, you know, we're getting sorted.","start":3338.895,"end":3344.13,"sentiment":"neutral","sentiment_score":0.00014572412423465562},{"text":"But I wanna make sure we touch base with you a bit more regularly, see how things are going, catch up with you as well, and you'll hear from my team a little bit more constantly.","start":3344.13,"end":3352.55,"sentiment":"neutral","sentiment_score":0.268651826100217},{"text":"Okay?","start":3352.8499,"end":3353.3499,"sentiment":"neutral","sentiment_score":0.2003459483385086},{"text":"Easy.","start":3354.825,"end":3355.065,"sentiment":"positive","sentiment_score":0.4479147791862488},{"text":"I've also got in there the financial services guide, which outlines everything about who we are, what we do, and how we do it.","start":3355.065,"end":3360.3052,"sentiment":"neutral","sentiment_score":0.27122741503020126}],"sentiment":"neutral","sentiment_score":0.1980298362672329,"num_words":85,"start":3338.895,"end":3360.3052},{"sentences":[{"text":"It has all my licensing information and a lovely photo of me there.","start":3360.3052,"end":3363.785,"sentiment":"positive","sentiment_score":0.37495248363568234},{"text":"So you can have a look through that, give a feel for who I am.","start":3363.785,"end":3367.44,"sentiment":"positive","sentiment_score":0.3836828331152598},{"text":"And if you find you have any concerns about any of that, you let me know.","start":3367.44,"end":3371.1199,"sentiment":"neutral","sentiment_score":0.1841936893761158},{"text":"Okay?","start":3371.1199,"end":3371.6199,"sentiment":"neutral","sentiment_score":0.13179337978363037},{"text":"Perfect.","start":3373.76,"end":3374.26,"sentiment":"positive","sentiment_score":0.5487022399902344}],"sentiment":"neutral","sentiment_score":0.30993955290835834,"num_words":46,"start":3360.3052,"end":3374.26},{"sentences":[{"text":"All good.","start":3374.72,"end":3375.3599,"sentiment":"positive","sentiment_score":0.6497260928153992},{"text":"And I'll get stuck into this advice piece.","start":3375.3599,"end":3377.44,"sentiment":"neutral","sentiment_score":0.32490189373493195},{"text":"Now I do need to just book in a time for one of my lovely team members to go through a bit of a pre assessment for you.","start":3377.44,"end":3383.105,"sentiment":"neutral","sentiment_score":0.17623751344425337},{"text":"Is there a day or time that generally suits you better for them to run through this?","start":3383.885,"end":3387.485,"sentiment":"neutral","sentiment_score":0.10167180527659024},{"text":"It shouldn't take more than about ten minutes.","start":3387.485,"end":3389.5051,"sentiment":"neutral","sentiment_score":0.041091751772910357}],"sentiment":"neutral","sentiment_score":0.17286464152118516,"num_words":63,"start":3374.72,"end":3389.5051},{"sentences":[{"text":"Yep.","start":3395.26,"end":3395.76,"sentiment":"neutral","sentiment_score":0.0438968688249588},{"text":"Perfect.","start":3397.82,"end":3398.32,"sentiment":"neutral","sentiment_score":0.21633073687553409},{"text":"Now we close at 02:00 on Friday.","start":3398.54,"end":3401.1199,"sentiment":"neutral","sentiment_score":0.03941863908299378},{"text":"What time Friday suits you the best?","start":3401.26,"end":3403.3599,"sentiment":"neutral","sentiment_score":0.026348975354007313},{"text":"Yep.","start":3407.115,"end":3407.615,"sentiment":"neutral","sentiment_score":0.018395183607935905}],"sentiment":"neutral","sentiment_score":0.04347035825690802,"num_words":17,"start":3395.26,"end":3407.615},{"sentences":[{"text":"Perfect.","start":3407.915,"end":3408.415,"sentiment":"neutral","sentiment_score":0.2866860628128052},{"text":"And did you want, like, this time of day?","start":3408.5552,"end":3410.735,"sentiment":"neutral","sentiment_score":0.07765677157375547},{"text":"Yep.","start":3411.915,"end":3412.395,"sentiment":"neutral","sentiment_score":0.15177641808986664},{"text":"Perfect.","start":3412.395,"end":3412.895,"sentiment":"positive","sentiment_score":0.3826867640018463},{"text":"So I'll book it in for the same time.","start":3412.955,"end":3414.975,"sentiment":"neutral","sentiment_score":0.22622898552152845}],"sentiment":"neutral","sentiment_score":0.16933909803628922,"num_words":21,"start":3407.915,"end":3414.975},{"sentences":[{"text":"So we are.","start":3415.195,"end":3416.415,"sentiment":"neutral","sentiment_score":0.2234318951765696},{"text":"My goodness, the year is flying by yeah.","start":3417.53,"end":3420.25,"sentiment":"neutral","sentiment_score":0.2958257161080837},{"text":"02:30 my time.","start":3420.25,"end":3421.53,"sentiment":"neutral","sentiment_score":0.10091004023949306},{"text":"Perfect.","start":3421.53,"end":3422.03,"sentiment":"neutral","sentiment_score":0.06580767780542374},{"text":"And next Tuesday, that brings us to the seventeenth there.","start":3422.89,"end":3426.27,"sentiment":"neutral","sentiment_score":0.11276872083544731}],"sentiment":"neutral","sentiment_score":0.1813250568509102,"num_words":25,"start":3415.195,"end":3426.27},{"sentences":[{"text":"Perfect.","start":3426.41,"end":3426.81,"sentiment":"positive","sentiment_score":0.7700381278991699},{"text":"I'll book it in for 02:30 for you.","start":3426.81,"end":3428.745,"sentiment":"positive","sentiment_score":0.4884013868868351},{"text":"Of my lovely team will give you a call.","start":3428.905,"end":3430.3452,"sentiment":"positive","sentiment_score":0.5505031612184312},{"text":"Let us run through a bit of a pre assessment.","start":3430.3452,"end":3432.0251,"sentiment":"neutral","sentiment_score":0.2790606200695038},{"text":"It gets a little bit in-depth around your health and, all those sorts of questions, but it's just so I can really understand what kind of contracts might be offered as part of the advice document when it comes to the insurances.","start":3432.0251,"end":3442.205,"sentiment":"neutral","sentiment_score":0.22937761495510736}],"sentiment":"neutral","sentiment_score":0.31508919575384686,"num_words":70,"start":3426.41,"end":3442.205},{"sentences":[{"text":"If I have to come back and have another conversation, I'll make sure I follow-up with you.","start":3442.8,"end":3446.82,"sentiment":"neutral","sentiment_score":0.08501547574996948},{"text":"But once that is completed, did you I can book you in for the following week, say, from Monday, the twenty third onwards to have your advice document presented, would you like me to pick one of those days to present that to you?","start":3447.2,"end":3461.045,"sentiment":"neutral","sentiment_score":0.15015660344877027},{"text":"Would that week work for you?","start":3461.045,"end":3462.585,"sentiment":"neutral","sentiment_score":0.10843400657176971},{"text":"Okay.","start":3468.8198,"end":3469.3198,"sentiment":"neutral","sentiment_score":0.07970793545246124},{"text":"Okay.","start":3473.0598,"end":3473.5598,"sentiment":"neutral","sentiment_score":0.04804806411266327}],"sentiment":"neutral","sentiment_score":0.1279784591085669,"num_words":69,"start":3442.8,"end":3473.5598},{"sentences":[{"text":"Perfect.","start":3475.94,"end":3476.44,"sentiment":"positive","sentiment_score":0.4716485738754273},{"text":"And did you want more in morning or afternoon?","start":3476.5798,"end":3478.76,"sentiment":"neutral","sentiment_score":0.10662933687369029},{"text":"What sort of suits you that week?","start":3479.0598,"end":3480.8398,"sentiment":"neutral","sentiment_score":0.0888496818287032},{"text":"Morning's fine.","start":3485.695,"end":3486.415,"sentiment":"neutral","sentiment_score":0.29800789058208466},{"text":"Perfect.","start":3486.415,"end":3486.735,"sentiment":"positive","sentiment_score":0.4912619888782501}],"sentiment":"neutral","sentiment_score":0.15702690742909908,"num_words":20,"start":3475.94,"end":3486.735},{"sentences":[{"text":"Well, what if I book it in for Wednesday, April 1?","start":3486.735,"end":3489.955,"sentiment":"neutral","sentiment_score":0.09398913383483887},{"text":"That morning, I can actually actually, no.","start":3491.0552,"end":3493.215,"sentiment":"neutral","sentiment_score":0.08509873492377144},{"text":"I can do the thirty first, the Tuesday.","start":3493.215,"end":3494.895,"sentiment":"neutral","sentiment_score":0.0925832400098443},{"text":"We can do a first cab off the rank for you.","start":3494.895,"end":3497.29,"sentiment":"neutral","sentiment_score":0.11106786605986682},{"text":"Just double checking.","start":3498.79,"end":3500.17,"sentiment":"neutral","sentiment_score":0.11205294479926427}],"sentiment":"neutral","sentiment_score":0.09820357244461775,"num_words":40,"start":3486.735,"end":3500.17},{"sentences":[{"text":"You're in Victoria, so you're an hour ahead of me.","start":3500.55,"end":3503.3499,"sentiment":"neutral","sentiment_score":0.11683114990592003},{"text":"If I do 08:00 my time, that's 09:00 your time.","start":3503.3499,"end":3506.39,"sentiment":"neutral","sentiment_score":0.10143259242177009},{"text":"Does that sound good?","start":3506.39,"end":3507.1099,"sentiment":"positive","sentiment_score":0.35775136202573776},{"text":"We get it off nice and early.","start":3507.1099,"end":3508.39,"sentiment":"positive","sentiment_score":0.5841933105673108},{"text":"Is that way you can enjoy your day?","start":3508.39,"end":3510.07,"sentiment":"neutral","sentiment_score":0.32711016573011875}],"sentiment":"neutral","sentiment_score":0.26461224028697383,"num_words":39,"start":3500.55,"end":3510.07},{"sentences":[{"text":"Yep.","start":3510.07,"end":3510.57,"sentiment":"neutral","sentiment_score":0.09445362538099288},{"text":"Perfect.","start":3511.585,"end":3512.0652,"sentiment":"positive","sentiment_score":0.418670117855072},{"text":"And I'll add a text message reminder.","start":3512.0652,"end":3513.845,"sentiment":"neutral","sentiment_score":0.21254979286875045},{"text":"I'll send you an email shortly just following up.","start":3514.145,"end":3516.465,"sentiment":"neutral","sentiment_score":0.16947857042153677},{"text":"I am gonna have to update your ID as well, look at your ID on file has expired.","start":3516.465,"end":3521.5251,"sentiment":"neutral","sentiment_score":0.03244451309243838}],"sentiment":"neutral","sentiment_score":0.11417446285486221,"num_words":36,"start":3510.07,"end":3521.5251},{"sentences":[{"text":"So I'll get you to send me a copy of your ID.","start":3521.665,"end":3524.245,"sentiment":"neutral","sentiment_score":0.10116085410118103},{"text":"I'll add in the date and time for your pre assessment and a reminder for your SOA presentation on the thirty first, and I'll get stuck into this research for you.","start":3524.3052,"end":3533.0999,"sentiment":"neutral","sentiment_score":0.120648417261339},{"text":"How does that sound?","start":3533.0999,"end":3534.24,"sentiment":"neutral","sentiment_score":0.07289057970046997},{"text":"Yeah.","start":3536.7,"end":3537.18,"sentiment":"neutral","sentiment_score":0.23996873199939728},{"text":"Perfect.","start":3537.18,"end":3537.68,"sentiment":"positive","sentiment_score":0.6975216865539551}],"sentiment":"neutral","sentiment_score":0.12618538615654926,"num_words":49,"start":3521.665,"end":3537.68},{"sentences":[{"text":"Thank you so much.","start":3538.145,"end":3539.025,"sentiment":"positive","sentiment_score":0.7164483368396759},{"text":"I'm so sorry, Darren.","start":3539.025,"end":3540.065,"sentiment":"neutral","sentiment_score":0.04539440228836611},{"text":"I know it's a lot.","start":3540.065,"end":3541.2048,"sentiment":"neutral","sentiment_score":-0.006679232697933912},{"text":"I did a really good review, and I was like, look.","start":3541.265,"end":3543.425,"sentiment":"neutral","sentiment_score":0.22783440216021103},{"text":"We've got a bit to talk about here.","start":3543.425,"end":3544.785,"sentiment":"neutral","sentiment_score":0.10575145576149225}],"sentiment":"neutral","sentiment_score":0.1989426519648987,"num_words":32,"start":3538.145,"end":3544.785},{"sentences":[{"text":"We wanna go through things and really update everything for you.","start":3544.785,"end":3547.425,"sentiment":"neutral","sentiment_score":0.1580846208063039},{"text":"So I'm so sorry it took a bit longer, and there was a lot to go through.","start":3547.425,"end":3550.645,"sentiment":"neutral","sentiment_score":-0.107466780964066},{"text":"Yeah.","start":3552.6099,"end":3553.1099,"sentiment":"neutral","sentiment_score":0.01268022134900093},{"text":"Beautiful.","start":3553.89,"end":3554.39,"sentiment":"positive","sentiment_score":0.4288237690925598},{"text":"Oh, thanks.","start":3554.6099,"end":3555.3499,"sentiment":"neutral","sentiment_score":0.3020598068833351}],"sentiment":"neutral","sentiment_score":0.029925598646514118,"num_words":32,"start":3544.785,"end":3555.3499},{"sentences":[{"text":"Absolutely.","start":3556.77,"end":3557.27,"sentiment":"neutral","sentiment_score":0.2144118994474411},{"text":"Absolutely.","start":3560.53,"end":3561.03,"sentiment":"positive","sentiment_score":0.5663580894470215},{"text":"Oh, my pleasure.","start":3562.21,"end":3563.09,"sentiment":"neutral","sentiment_score":0.2856282244126002},{"text":"Let's make sure that we don't drop the ball moving forward for you, and I'll make sure we don't.","start":3563.09,"end":3567.19,"sentiment":"neutral","sentiment_score":0.05992127920647985},{"text":"You'll speak to my lovely admin as we're moving forward as well, and we'll take care of you and our little sort of area in a pod here at OQ, make sure we look after you.","start":3567.435,"end":3575.995,"sentiment":"neutral","sentiment_score":0.1390211559418175}],"sentiment":"neutral","sentiment_score":0.12968200968268018,"num_words":60,"start":3556.77,"end":3575.995},{"sentences":[{"text":"I will send you an email afterwards, and I'll also get the annual review pack sent out for you.","start":3575.995,"end":3580.155,"sentiment":"neutral","sentiment_score":0.11734338614501451},{"text":"If you can sign that and just reply back with your ID for me, I can take care of the rest, and I'll I'll talk to you in a couple of weeks when I've done all this research.","start":3580.155,"end":3588.06,"sentiment":"neutral","sentiment_score":0.1058627249378907},{"text":"Okay?","start":3588.2002,"end":3588.7002,"sentiment":"neutral","sentiment_score":0.06193128228187561},{"text":"Thank you so much, Darren.","start":3590.52,"end":3591.8801,"sentiment":"positive","sentiment_score":0.48006162643432615},{"text":"You'll also have my email.","start":3591.8801,"end":3592.9202,"sentiment":"neutral","sentiment_score":0.2092541366815567}],"sentiment":"neutral","sentiment_score":0.14354144091553547,"num_words":68,"start":3575.995,"end":3592.9202},{"sentences":[{"text":"So if you do find us any questions, it doesn't matter what the question is, you just email me and ask me, and I'll happily make time to reply back to you.","start":3592.9202,"end":3599.435,"sentiment":"neutral","sentiment_score":0.24015969410538673},{"text":"Okay?","start":3599.435,"end":3599.935,"sentiment":"neutral","sentiment_score":0.15297791361808777},{"text":"It is my pleasure.","start":3601.5269,"end":3602.887,"sentiment":"positive","sentiment_score":0.5738670229911804},{"text":"You have a wonderful afternoon.","start":3602.887,"end":3604.2468,"sentiment":"positive","sentiment_score":0.6953720450401306},{"text":"It's been a pleasure.","start":3604.2468,"end":3605.2869,"sentiment":"positive","sentiment_score":0.7064332216978073}],"sentiment":"positive","sentiment_score":0.3573075941075449,"num_words":46,"start":3592.9202,"end":3605.2869},{"sentences":[{"text":"Thanks.","start":3605.2869,"end":3605.7869,"sentiment":"positive","sentiment_score":0.5023556351661682},{"text":"Talk to you soon.","start":3607.7668,"end":3608.567,"sentiment":"neutral","sentiment_score":0.17614680156111717},{"text":"See you later.","start":3608.567,"end":3609.387,"sentiment":"neutral","sentiment_score":0.15995556116104126},{"text":"Bye.","start":3609.7668,"end":3610.2668,"sentiment":"neutral","sentiment_score":0.053566981106996536}],"sentiment":"neutral","sentiment_score":0.19337516733341747,"num_words":9,"start":3605.2869,"end":3610.2668}]}}]},{"alternatives":[{"transcript":"Hi. Darren speaking. Good, Dana. How are you? Yep. That's fine. Yeah. Not too bad. I've just caught up in all my work, so which is good. Yes. This is true too. Yeah. Of course, I am. That's fine. Yep. Darren Anthony Edwards. First the first nineteen seventy one. 6 Niagara Way in Werribee, Victoria 3030. Yep. Primarily, that's it. I know that I just said to Sam last week that soup has sort of been stagnant over the past three or so months and with not much movement. And, of course, I haven't even looked this week given what's been going on over in The Middle East. So I know soup has taken a hit, so I sorta get it. I just wanna check want you to go through my strategy to see if I'm I'm I'm in the right sort of investments for what what's set up. That's all. Yep. Yep. Swap it at. Swap it at. Yep. Mhmm. That's correct. Yeah. That's fine. Well, gold's always safe. Yep. So I know it's still not that I'm overly active, but, you know, I I watched the news reports and the financial reports. I know silver's going through a surge at the moment as well. Copper, copper's always up there. Probably more into the mineral side of it. So with the lithium and stuff, that's great. And that's that's always gonna stay where it is. So I'm I'm looking more at the mineral side of it, such as your gold, your silver, copper, all that type of stuff. And I know BHP shifted from iron ore into their copper side of their mining of of their so, yeah, the copper's a big one too. Copper's always in demand. So I'm I'm happy for you to look at something like for me. Yep. Yep. Yep. Yep. Yeah. It's yeah. If that's the case, yeah, do that. Yeah. I'm I'm I'm happy for you to do that. That's fine. Yeah. That's fine. Yep. Yeah. But well, my last annual review was if you have a look, was two years ago. Not last year. Yep. So I didn't have one at all last year because I got lost through lost through the gaps in the system. So Okay. Yep. Well, I'm looking at probably something in the transition to into retirement, you know, around about 60 to 62 where more so during the the middle months of the year, I can, you know, drop the three days a week where the demand in my job is not as high. So that's something that I'm I'm I'm looking at. So looking at setting something up for that, you know, five years early would be great just to see where we sit and what's required of me at my end. I'm also looking with my insurances through Hub. Can I set them up set up a death death insurance and all that type of stuff that I've currently still got in my CareSuper? I don't wanna ultimately, I would love to close down the CareSuper account, but it was left open when I came across the hub 24 because I've had surgery. And it's been three years since I had the surgery, so the existing issues are are gone. So that's what I'm looking at looking at just to basically that way, I'm not paying double fees, if you get what I mean. Yep. Well, probably life and t b d TPD are the two most important ones. I got the income protection just there just in case, you know, I was off off work for any given time. But as I said to Samantha last week, I've got nearly two hundred and eighty hours in sick leave up my sleeve. So I've got I've got more on my sick leave than what I have in my long service leave. So and with the qualifying period for PPD as an income, it's still a thirty day thirty to sixty day waiting period before you're eligible for it anyway. So you could be back at work by that stage. So I'm actually thinking of dropping that out of CareSuper now just thinking about it. But I'm looking I'm looking at a a a death benefit insurance of roughly around about the $3.50 to 400 that I've currently got in my care account. Same with CPD. So that's that's where I'm looking. So if you add something happens to me, my wife gets with super as well as the death benefit, then that way I know she's okay for the foreseeable future, if you get what I mean. Yeah. We are. It's $18.47 a month. So you can round it up to 18 50. Yep. Yep. That's correct. Yes. Yep. Yep. So you can you can you do that on my behalf through Kegs? You've got access. Yep. Do it. Yep. Yeah. Confirm. Yep. So on the and the reason why I asked this, we recently lost my brother-in-law. So and it was sudden. So in a hypothetical scenario, if something something happened to me, how quick could my wife access super after I pass away? Like, for in in emergency circumstances, like, to cover my funeral and stuff like that. Yeah. Yep. Yes. No. No. Yep. Yep. No. We we'd have to ask family to help out in the short in the short term. No. No. No. I mean, I'm I'm the way we work in here is that I'm the I'm I'm the primary income earner. So I I cover all the rent to build and all that type of stuff, and my wife's, know, my wife probably works between twenty and thirty hours a week, and that covers shopping and stuff like that. So it it's we have very limited savings. We're we're, like, one of many thousands and thousands of people who live paycheck to paycheck, unfortunately. Yep. Yeah. Because it wouldn't I probably wouldn't need more than say 10 or $15 put aside. So, yeah, I'm happy to put it in a in a recommendation. Yeah. Yep. Yep. Yep. Yeah. Yeah. It does. I mean, primarily, I've got the TPD because I'm an account manager, and I'm on the road a bit. And I can control what happens inside my vehicle, but I can't control what happens outside my vehicle, you know, and stuff like that. So if something happens to me and I end up with a touch would never happen, but, you know, I've gotta think of these sorts of things. If if I end up with an injury where I I'm incapacitated enough where I can't go back to work, then in in my proper role and my employer has to refine my role, then well, that's why I took out the TPD. So yep. Yep. Yep. So you would set up something like an offset account where money would go into that type of account where it can be accessed outside of super. Correct? Is that how is that but yes. Yep. Yep. Okay. It does it does now. Yep. No. I was never aware of that. So there you go. Yeah. No. That's just bizarre. So, you know, based on $3.50, I'm getting gonna get taxed, you know, over $70 of it. So I'm almost tempted to get rid of it altogether. It's that hard. Boy. Yep. I know what you're saying. Yeah. Alright. You can do that. No. I don't get taxed on food, do I? Yeah. But so no. Well, my my wife won't get taxed on the super, will she? No. Okay. Which she is. Yep. Yep. Alright. And on the actual super component itself, on the super balance itself, would would you get text on that? Yeah. Okay. Yep. Yep. Alright. Okay. Cool. Yep. Yeah. So I'm I'm I'm worth about 600 to my wife if I pass away. Yeah. I I get that. But and I would just like to yeah. So as long as you set up, that's fine. That's that's what I needed to know. Okay. Yep. That's fine. No. It's alright. No. That's that's fine. And, honestly, and seeing it all in writing will give me a little bit more clarity as well. I I'll I'll be able to absorb it and take it all in, so that's fine. Yep. Not not anymore. You you can get rid of that. Not of the care, but that's fine. Yep. Make a recommendation. I can always say no. Yes. Yep. That'll work. Yep. That's fine. No. Not not not at this stage, mate. Yeah. No. We don't. I did have in the past, but then it was an expense that we couldn't afford to keep paying. No. You can probably up it to around about 25. No. No. Probably that probably trade range with jewelry, I guess. I've got no. I've got a $15 credit card. That one for that sitting at about 14 miles, so there you go. Other than that, there's no other debts. Yep. We have. We just haven't done it. That is correct. And I think she's is it nonbonding or bonding beneficiaries from memory? Mhmm. I think it's I think it's bonding the memory. Yep. Do it. Yep. Yep. I am. Can you I'm pretty sure I've got care my care suite is set up the same as well. I'm happy for you to log in and check that. Yep. And I'm happy for you to transfer $5 across too. Yep. Yep. That's fine. Yep. Yes. That's four. Yep. That's fine. At this stage, probably, it will be retirement age, so I don't think I'll have enough super. No. It'd be I'm probably probably 67. Yep. Yep. Yep. So yeah. But yeah. That's fine. So you're telling me that I can actually technically retire at 60 and access my super from 60 onwards. Yeah. It's probably it's probably not enough in my super to be able to cover my current lifestyle. My current my current income. Sorry. What? Yeah. Probably at this stage. I mean, it's just gonna vary on on what I need to do because I know being in that Gen X that we are, that I am, I I knew I'd I'd be eligible for the age pension. It's more so my my daughter and her kids and and so forth as as they get older where they don't wanna pay a pension at all. They just want you to use your super. So yep. Yeah. Well, then that's that's that's also a concern as well. So I know for a fact that, you know, with my mother on the age pension and stuff like that, in another ten or twelve years time, just the way it's all set up and everything like that, it won't be anywhere near as much because they want the Gen Xs to rely on their super more and just have the pension to top up your your in your income. That I know. And that's where my concern is of being able to sort of have the balancing act of both as we get older. So Yep. Alright. Alright. Cool. Yeah. I'd love I would love my super balance to be another 100 odd k more than what it is. If not more, which and that way, it gives me the ability to be able to go to the the transition to retirement, whereas I said to you before, that at 60 or 61, 62, I can look at working three days a week in the middle part of the year and stuff like that and not lose any income where I can just have my super top up my my weekly wage, if you get what I mean. Yep. Alright. That's fine. Not all I have at night. I'm probably in between medium to high. I I I I'm I'm not adverse to taking a a risk in the short term. Like, you know, if if something's gonna go gangbusters. I'm not adverse to say having someone put, you know, money into an investment portfolio where you're seeing significant gains in a shorter period of time. So we we make money out of that and then sell at the right time and and and move on, so to speak. So I'm probably in that medium to high, which then that takes the opportunity of increasing the balance quicker. And I know the adverse side to the risk of it, but as you said, with with that one that's had that negative eighteen percent drop, I mean, that's offset all the gains that all my other all the other investments that were being put into had gained. So, you know, that I'm caught in the catch 22. Hence, the reason why I said you got a gold and silver because it's more of a defense one that I can always call back on. Yep. Yep. In the sense I mean, if it's a significant drop, yeah, then I'm that I'd have I'd have concern. But, I mean, I I generally check my super either once a month, once every six weeks. And as I said, I checked it a week ago before Samantha rang me in just in the week gone. You know, my hubs dropped seven k, and my care supers dropped nearly two k. Just then that's just in a week type thing. So I generally in volatile times such as this where the market's so uncertain, I I don't tend to check it because I don't wanna know. I'm not one of these people that are hyper vigilant and will check it every day and and then get concerned that my soup is dropping because it defeats the purpose of what it's there for. Do you get what I mean? Yep. Sorry. Can you repeat that? I missed I missed a lot of that. Sorry. My bad. Yep. If it was an if it was an ongoing concern, I would probably either expect you to contact me because that's what I pay you for, or I would contact you just to see what what our options would be. I mean, I'd probably wait if it was something over a three month period just to see if the market corrects itself, which it does tend to tend to do. Like, as I said, it bounces been bouncing up and down the last, you know, even two days. So, you know, oil was a $116 a barrel on Monday, and it was $93 yesterday. So it's going up and down like a yoyo at the moment. So that's that's tending to dictate dictate what happens to the rest of the market. So I guess it's more of a I'm attend I I tend to be a wait and see type of person and then look at my options from there after that. Yep. Yes. Again, I'm not yeah. Sorry. My dog my dog nearly we just had a call change come through, and my dog nearly got out. So so can you repeat that again for me? I do apologize. Yeah. I did. So No. Yeah. You're alright. Sorry. Yeah. That's fine. Yep. Yeah. Anything that's gonna get me anything that's going to allow me to increase growth on a on a quicker type basis, go for it. Yeah. Alright. So for someone at my age at 55, how much super should I have in there now, ideally? Yes. Yeah. I'm not one of these non binary people, and I apologize if you are so. I do apologize. No. No. I'm I'm well, definitely one of these old schools. I don't use pronouns or anything like that. I'm not a veiled then. Yeah. So, you know, I'm I'm way behind where I should be. Yeah. It should be on about 35 to 40 maybe. She's a barista. No idea. No. She she she no. She's got super, but I don't know the actual amount she's got. She's probably working constantly for probably the last fifteen years. So so she's 58. She would possibly have, I don't know, 35, maybe 40 k in super, give or take. Yep. Yep. Yep. No. You're wrong. Not that far. Yeah. I do. Yep. Mhmm. Yep. No. Not really. Not at this stage. As I said, I'm more concerned about getting my my super balance higher. I mean, I don't expect a 100 k jump in a year. Don't I don't expect that. It's just just not how the market works works, and I'm not prepared to put everything in a in a high risk high risk sort of scenario, whereas, you know, I could lose a lot, and I don't wanna do that. You you did clarify some things for me. I didn't realize that if I wanted to, I could retire at 60 and and access super straight away. I don't wanna do that because I don't have enough in there to to to live on, say, $20 a year. That's for sure. So no. No. I'm not Dana, no. I don't really. Yep. Yes. Yeah. That's fine. That's yep, that, yeah, that that had been suspended for six months, I believe, because I hadn't I hadn't been looked after. So, yeah, that's fine. Yes. That's fine. That's fine, Diana. Not a problem at all. Not tomorrow. Friday should be okay. Oh, even even can't do Monday. Even Tuesday next week's fine. That's that's not a problem. Yeah. Yep. February two thirty your time? Yep. No. I'm away I'm away from the twenty third well, from the twenty second to the twenty ninth, so I'm happy for the and then I'm on holiday for the next two weeks after that. So anytime from Monday, the thirtieth onwards. Probably morning's fine. Yep. That's fine. Mhmm. That's the end phone. It's not a problem at all. No. Please. I'm I'm I'm glad you did. So that's not a problem at all. As I said, it's been over been over twelve months. It's been almost two years since my my last my last review. So I'm glad you did it. So thank you. Yep. That's fine. Sounds good. Thank you. Thanks, Danny. You take care. Okay. 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Darren speaking. Good, Dana. How are you? Yep.\n\nThat's fine. Yeah. Not too bad. I've just caught up in all my work, so which is good. Yes.\n\nThis is true too. Yeah. Of course, I am. That's fine. Yep.\n\nDarren Anthony Edwards. First the first nineteen seventy one. 6 Niagara Way in Werribee, Victoria 3030. Yep. Primarily, that's it.\n\nI know that I just said to Sam last week that soup has sort of been stagnant over the past three or so months and with not much movement. And, of course, I haven't even looked this week given what's been going on over in The Middle East. So I know soup has taken a hit, so I sorta get it. I just wanna check want you to go through my strategy to see if I'm I'm I'm in the right sort of investments for what what's set up. That's all.\n\nYep. Yep. Swap it at. Swap it at. Yep.\n\nMhmm. That's correct. Yeah. That's fine. Well, gold's always safe.\n\nYep. So I know it's still not that I'm overly active, but, you know, I I watched the news reports and the financial reports. I know silver's going through a surge at the moment as well. Copper, copper's always up there. Probably more into the mineral side of it.\n\nSo with the lithium and stuff, that's great. And that's that's always gonna stay where it is. So I'm I'm looking more at the mineral side of it, such as your gold, your silver, copper, all that type of stuff. And I know BHP shifted from iron ore into their copper side of their mining of of their so, yeah, the copper's a big one too. Copper's always in demand.\n\nSo I'm I'm happy for you to look at something like for me. Yep. Yep. Yep. Yep.\n\nYeah. It's yeah. If that's the case, yeah, do that. Yeah. I'm I'm I'm happy for you to do that.\n\nThat's fine. Yeah. That's fine. Yep. Yeah.\n\nBut well, my last annual review was if you have a look, was two years ago. Not last year. Yep. So I didn't have one at all last year because I got lost through lost through the gaps in the system. So Okay.\n\nYep. Well, I'm looking at probably something in the transition to into retirement, you know, around about 60 to 62 where more so during the the middle months of the year, I can, you know, drop the three days a week where the demand in my job is not as high. So that's something that I'm I'm I'm looking at. So looking at setting something up for that, you know, five years early would be great just to see where we sit and what's required of me at my end. I'm also looking with my insurances through Hub.\n\nCan I set them up set up a death death insurance and all that type of stuff that I've currently still got in my CareSuper? I don't wanna ultimately, I would love to close down the CareSuper account, but it was left open when I came across the hub 24 because I've had surgery. And it's been three years since I had the surgery, so the existing issues are are gone. So that's what I'm looking at looking at just to basically that way, I'm not paying double fees, if you get what I mean. Yep.\n\nWell, probably life and t b d TPD are the two most important ones. I got the income protection just there just in case, you know, I was off off work for any given time. But as I said to Samantha last week, I've got nearly two hundred and eighty hours in sick leave up my sleeve. So I've got I've got more on my sick leave than what I have in my long service leave. So and with the qualifying period for PPD as an income, it's still a thirty day thirty to sixty day waiting period before you're eligible for it anyway.\n\nSo you could be back at work by that stage. So I'm actually thinking of dropping that out of CareSuper now just thinking about it. But I'm looking I'm looking at a a a death benefit insurance of roughly around about the $3.50 to 400 that I've currently got in my care account. Same with CPD. So that's that's where I'm looking.\n\nSo if you add something happens to me, my wife gets with super as well as the death benefit, then that way I know she's okay for the foreseeable future, if you get what I mean. Yeah. We are. It's $18.47 a month. So you can round it up to 18 50.\n\nYep. Yep. That's correct. Yes. Yep.\n\nYep. So you can you can you do that on my behalf through Kegs? You've got access. Yep. Do it.\n\nYep. Yeah. Confirm. Yep. So on the and the reason why I asked this, we recently lost my brother-in-law.\n\nSo and it was sudden. So in a hypothetical scenario, if something something happened to me, how quick could my wife access super after I pass away? Like, for in in emergency circumstances, like, to cover my funeral and stuff like that. Yeah. Yep.\n\nYes. No. No. Yep. Yep.\n\nNo. We we'd have to ask family to help out in the short in the short term. No. No. No.\n\nI mean, I'm I'm the way we work in here is that I'm the I'm I'm the primary income earner. So I I cover all the rent to build and all that type of stuff, and my wife's, know, my wife probably works between twenty and thirty hours a week, and that covers shopping and stuff like that. So it it's we have very limited savings. We're we're, like, one of many thousands and thousands of people who live paycheck to paycheck, unfortunately. Yep.\n\nYeah. Because it wouldn't I probably wouldn't need more than say 10 or $15 put aside. So, yeah, I'm happy to put it in a in a recommendation. Yeah. Yep.\n\nYep. Yep. Yeah. Yeah. It does.\n\nI mean, primarily, I've got the TPD because I'm an account manager, and I'm on the road a bit. And I can control what happens inside my vehicle, but I can't control what happens outside my vehicle, you know, and stuff like that. So if something happens to me and I end up with a touch would never happen, but, you know, I've gotta think of these sorts of things. If if I end up with an injury where I I'm incapacitated enough where I can't go back to work, then in in my proper role and my employer has to refine my role, then well, that's why I took out the TPD. So yep.\n\nYep. Yep. So you would set up something like an offset account where money would go into that type of account where it can be accessed outside of super. Correct? Is that how is that but yes.\n\nYep. Yep. Okay. It does it does now. Yep.\n\nNo. I was never aware of that. So there you go. Yeah. No.\n\nThat's just bizarre. So, you know, based on $3.50, I'm getting gonna get taxed, you know, over $70 of it. So I'm almost tempted to get rid of it altogether. It's that hard. Boy.\n\nYep. I know what you're saying. Yeah. Alright. You can do that.\n\nNo. I don't get taxed on food, do I? Yeah. But so no. Well, my my wife won't get taxed on the super, will she?\n\nNo. Okay. Which she is. Yep. Yep.\n\nAlright. And on the actual super component itself, on the super balance itself, would would you get text on that? Yeah. Okay. Yep.\n\nYep. Alright. Okay. Cool. Yep.\n\nYeah. So I'm I'm I'm worth about 600 to my wife if I pass away. Yeah. I I get that. But and I would just like to yeah.\n\nSo as long as you set up, that's fine. That's that's what I needed to know. Okay. Yep. That's fine.\n\nNo. It's alright. No. That's that's fine. And, honestly, and seeing it all in writing will give me a little bit more clarity as well.\n\nI I'll I'll be able to absorb it and take it all in, so that's fine. Yep. Not not anymore. You you can get rid of that. Not of the care, but that's fine.\n\nYep. Make a recommendation. I can always say no. Yes. Yep.\n\nThat'll work. Yep. That's fine. No. Not not not at this stage, mate.\n\nYeah. No. We don't. I did have in the past, but then it was an expense that we couldn't afford to keep paying. No.\n\nYou can probably up it to around about 25. No. No. Probably that probably trade range with jewelry, I guess. I've got no.\n\nI've got a $15 credit card. That one for that sitting at about 14 miles, so there you go. Other than that, there's no other debts. Yep. We have.\n\nWe just haven't done it. That is correct. And I think she's is it nonbonding or bonding beneficiaries from memory? Mhmm. I think it's I think it's bonding the memory.\n\nYep. Do it. Yep. Yep. I am.\n\nCan you I'm pretty sure I've got care my care suite is set up the same as well. I'm happy for you to log in and check that. Yep. And I'm happy for you to transfer $5 across too. Yep.\n\nYep. That's fine. Yep. Yes. That's four.\n\nYep. That's fine. At this stage, probably, it will be retirement age, so I don't think I'll have enough super. No. It'd be I'm probably probably 67.\n\nYep. Yep. Yep. So yeah. But yeah.\n\nThat's fine. So you're telling me that I can actually technically retire at 60 and access my super from 60 onwards. Yeah. It's probably it's probably not enough in my super to be able to cover my current lifestyle. My current my current income.\n\nSorry. What? Yeah. Probably at this stage. I mean, it's just gonna vary on on what I need to do because I know being in that Gen X that we are, that I am, I I knew I'd I'd be eligible for the age pension.\n\nIt's more so my my daughter and her kids and and so forth as as they get older where they don't wanna pay a pension at all. They just want you to use your super. So yep. Yeah. Well, then that's that's that's also a concern as well.\n\nSo I know for a fact that, you know, with my mother on the age pension and stuff like that, in another ten or twelve years time, just the way it's all set up and everything like that, it won't be anywhere near as much because they want the Gen Xs to rely on their super more and just have the pension to top up your your in your income. That I know. And that's where my concern is of being able to sort of have the balancing act of both as we get older. So Yep. Alright.\n\nAlright. Cool. Yeah. I'd love I would love my super balance to be another 100 odd k more than what it is. If not more, which and that way, it gives me the ability to be able to go to the the transition to retirement, whereas I said to you before, that at 60 or 61, 62, I can look at working three days a week in the middle part of the year and stuff like that and not lose any income where I can just have my super top up my my weekly wage, if you get what I mean.\n\nYep. Alright. That's fine. Not all I have at night. I'm probably in between medium to high.\n\nI I I I'm I'm not adverse to taking a a risk in the short term. Like, you know, if if something's gonna go gangbusters. I'm not adverse to say having someone put, you know, money into an investment portfolio where you're seeing significant gains in a shorter period of time. So we we make money out of that and then sell at the right time and and and move on, so to speak. So I'm probably in that medium to high, which then that takes the opportunity of increasing the balance quicker.\n\nAnd I know the adverse side to the risk of it, but as you said, with with that one that's had that negative eighteen percent drop, I mean, that's offset all the gains that all my other all the other investments that were being put into had gained. So, you know, that I'm caught in the catch 22. Hence, the reason why I said you got a gold and silver because it's more of a defense one that I can always call back on. Yep. Yep.\n\nIn the sense I mean, if it's a significant drop, yeah, then I'm that I'd have I'd have concern. But, I mean, I I generally check my super either once a month, once every six weeks. And as I said, I checked it a week ago before Samantha rang me in just in the week gone. You know, my hubs dropped seven k, and my care supers dropped nearly two k. Just then that's just in a week type thing.\n\nSo I generally in volatile times such as this where the market's so uncertain, I I don't tend to check it because I don't wanna know. I'm not one of these people that are hyper vigilant and will check it every day and and then get concerned that my soup is dropping because it defeats the purpose of what it's there for. Do you get what I mean? Yep. Sorry.\n\nCan you repeat that? I missed I missed a lot of that. Sorry. My bad. Yep.\n\nIf it was an if it was an ongoing concern, I would probably either expect you to contact me because that's what I pay you for, or I would contact you just to see what what our options would be. I mean, I'd probably wait if it was something over a three month period just to see if the market corrects itself, which it does tend to tend to do. Like, as I said, it bounces been bouncing up and down the last, you know, even two days. So, you know, oil was a $116 a barrel on Monday, and it was $93 yesterday. So it's going up and down like a yoyo at the moment.\n\nSo that's that's tending to dictate dictate what happens to the rest of the market. So I guess it's more of a I'm attend I I tend to be a wait and see type of person and then look at my options from there after that. Yep. Yes. Again, I'm not yeah.\n\nSorry. My dog my dog nearly we just had a call change come through, and my dog nearly got out. So so can you repeat that again for me? I do apologize. Yeah.\n\nI did. So No. Yeah. You're alright. Sorry.\n\nYeah. That's fine. Yep. Yeah. Anything that's gonna get me anything that's going to allow me to increase growth on a on a quicker type basis, go for it.\n\nYeah. Alright. So for someone at my age at 55, how much super should I have in there now, ideally? Yes. Yeah.\n\nI'm not one of these non binary people, and I apologize if you are so. I do apologize. No. No. I'm I'm well, definitely one of these old schools.\n\nI don't use pronouns or anything like that. I'm not a veiled then. Yeah. So, you know, I'm I'm way behind where I should be. Yeah.\n\nIt should be on about 35 to 40 maybe. She's a barista. No idea. No. She she she no.\n\nShe's got super, but I don't know the actual amount she's got. She's probably working constantly for probably the last fifteen years. So so she's 58. She would possibly have, I don't know, 35, maybe 40 k in super, give or take. Yep.\n\nYep. Yep. No. You're wrong. Not that far.\n\nYeah. I do. Yep. Mhmm. Yep.\n\nNo. Not really. Not at this stage. As I said, I'm more concerned about getting my my super balance higher. I mean, I don't expect a 100 k jump in a year.\n\nDon't I don't expect that. It's just just not how the market works works, and I'm not prepared to put everything in a in a high risk high risk sort of scenario, whereas, you know, I could lose a lot, and I don't wanna do that. You you did clarify some things for me. I didn't realize that if I wanted to, I could retire at 60 and and access super straight away. I don't wanna do that because I don't have enough in there to to to live on, say, $20 a year.\n\nThat's for sure. So no. No. I'm not Dana, no. I don't really.\n\nYep. Yes. Yeah. That's fine. That's yep, that, yeah, that that had been suspended for six months, I believe, because I hadn't I hadn't been looked after.\n\nSo, yeah, that's fine. Yes. That's fine. That's fine, Diana. Not a problem at all.\n\nNot tomorrow. Friday should be okay. Oh, even even can't do Monday. Even Tuesday next week's fine. That's that's not a problem.\n\nYeah. Yep. February two thirty your time? Yep. No.\n\nI'm away I'm away from the twenty third well, from the twenty second to the twenty ninth, so I'm happy for the and then I'm on holiday for the next two weeks after that. So anytime from Monday, the thirtieth onwards. Probably morning's fine. Yep. That's fine.\n\nMhmm. That's the end phone. It's not a problem at all. No. Please.\n\nI'm I'm I'm glad you did. So that's not a problem at all. As I said, it's been over been over twelve months. It's been almost two years since my my last my last review. So I'm glad you did it.\n\nSo thank you. Yep. That's fine. Sounds good. Thank you.\n\nThanks, Danny. You take care. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.03037070855498314},{"text":"Darren speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.02545100264251232},{"text":"Good, Dana.","start":6.96,"end":7.68,"sentiment":"positive","sentiment_score":0.40717360377311707},{"text":"How are you?","start":7.68,"end":8.42,"sentiment":"neutral","sentiment_score":0.28692028919855755},{"text":"Yep.","start":15.865,"end":16.345,"sentiment":"neutral","sentiment_score":0.1048685759305954}],"sentiment":"neutral","sentiment_score":0.20680548499027887,"num_words":9,"start":1.28,"end":16.345},{"sentences":[{"text":"That's fine.","start":16.345,"end":17.244999,"sentiment":"neutral","sentiment_score":0.18747298419475555},{"text":"Yeah.","start":20.664999,"end":20.904999,"sentiment":"neutral","sentiment_score":0.2447769045829773},{"text":"Not too bad.","start":20.904999,"end":21.625,"sentiment":"neutral","sentiment_score":0.2701081732908885},{"text":"I've just caught up in all my work, so which is good.","start":21.625,"end":25.085,"sentiment":"positive","sentiment_score":0.42247489591439563},{"text":"Yes.","start":31.25,"end":31.49,"sentiment":"neutral","sentiment_score":0.23192031681537628}],"sentiment":"positive","sentiment_score":0.3542982347701725,"num_words":19,"start":16.345,"end":31.49},{"sentences":[{"text":"This is true too.","start":31.49,"end":32.79,"sentiment":"neutral","sentiment_score":0.25538530945777893},{"text":"Yeah.","start":41.97,"end":42.21,"sentiment":"neutral","sentiment_score":0.07605467736721039},{"text":"Of course, I am.","start":42.21,"end":42.85,"sentiment":"neutral","sentiment_score":0.09304116107523441},{"text":"That's fine.","start":42.85,"end":43.59,"sentiment":"neutral","sentiment_score":0.21603770554065704},{"text":"Yep.","start":52.705,"end":53.105,"sentiment":"neutral","sentiment_score":0.02796785533428192}],"sentiment":"neutral","sentiment_score":0.160816985492905,"num_words":12,"start":31.49,"end":53.105},{"sentences":[{"text":"Darren Anthony Edwards.","start":53.105,"end":54.465,"sentiment":"neutral","sentiment_score":0.01961895450949669},{"text":"First the first nineteen seventy one.","start":54.465,"end":56.805,"sentiment":"neutral","sentiment_score":0.025905979176362354},{"text":"6 Niagara Way in Werribee, Victoria 3030.","start":57.505,"end":61.445,"sentiment":"neutral","sentiment_score":0.025719858572951386},{"text":"Yep.","start":72.19,"end":72.69,"sentiment":"neutral","sentiment_score":0.14721117913722992},{"text":"Primarily, that's it.","start":85.635,"end":87.235,"sentiment":"neutral","sentiment_score":-0.025779058535893757}],"sentiment":"neutral","sentiment_score":0.023210287606343628,"num_words":20,"start":53.105,"end":87.235},{"sentences":[{"text":"I know that I just said to Sam last week that soup has sort of been stagnant over the past three or so months and with not much movement.","start":87.235,"end":95.59,"sentiment":"neutral","sentiment_score":-0.19167984277009964},{"text":"And, of course, I haven't even looked this week given what's been going on over in The Middle East.","start":95.59,"end":99.83,"sentiment":"neutral","sentiment_score":-0.18047788739204407},{"text":"So I know soup has taken a hit, so I sorta get it.","start":99.83,"end":103.835,"sentiment":"neutral","sentiment_score":-0.23376547144009516},{"text":"I just wanna check want you to go through my strategy to see if I'm I'm I'm in the right sort of investments for what what's set up.","start":103.835,"end":111.515,"sentiment":"neutral","sentiment_score":0.12694174210940087},{"text":"That's all.","start":111.515,"end":112.255,"sentiment":"neutral","sentiment_score":0.07600945979356766}],"sentiment":"neutral","sentiment_score":-0.09143251352585278,"num_words":91,"start":87.235,"end":112.255},{"sentences":[{"text":"Yep.","start":136.105,"end":136.605,"sentiment":"neutral","sentiment_score":0.09494855254888536},{"text":"Yep.","start":253.625,"end":254.125,"sentiment":"neutral","sentiment_score":-0.2909749150276184},{"text":"Swap it at.","start":271.11,"end":271.99,"sentiment":"neutral","sentiment_score":-0.19650584956010184},{"text":"Swap it at.","start":271.99,"end":272.88998,"sentiment":"neutral","sentiment_score":-0.12710821628570557},{"text":"Yep.","start":288.87003,"end":289.37003,"sentiment":"neutral","sentiment_score":-0.015318683348596096}],"sentiment":"neutral","sentiment_score":-0.13135413815163904,"num_words":9,"start":136.105,"end":289.37003},{"sentences":[{"text":"Mhmm.","start":299.59003,"end":300.09003,"sentiment":"neutral","sentiment_score":-0.12880006432533264},{"text":"That's correct.","start":309.755,"end":310.655,"sentiment":"neutral","sentiment_score":0.13439971208572388},{"text":"Yeah.","start":332.135,"end":332.635,"sentiment":"neutral","sentiment_score":0.16244760155677795},{"text":"That's fine.","start":338.455,"end":339.205,"sentiment":"neutral","sentiment_score":0.15926313772797585},{"text":"Well, gold's always safe.","start":354.44,"end":356.22,"sentiment":"positive","sentiment_score":0.386929914355278}],"sentiment":"neutral","sentiment_score":0.2168692894279957,"num_words":10,"start":299.59003,"end":356.22},{"sentences":[{"text":"Yep.","start":367.01498,"end":367.51498,"sentiment":"neutral","sentiment_score":0.04323732107877731},{"text":"So I know it's still not that I'm overly active, but, you know, I I watched the news reports and the financial reports.","start":367.57498,"end":373.79,"sentiment":"neutral","sentiment_score":-0.023639503866434097},{"text":"I know silver's going through a surge at the moment as well.","start":373.79,"end":376.85,"sentiment":"neutral","sentiment_score":0.06521483308946092},{"text":"Copper, copper's always up there.","start":379.15002,"end":382.185,"sentiment":"neutral","sentiment_score":0.17855279743671418},{"text":"Probably more into the mineral side of it.","start":384.745,"end":386.845,"sentiment":"neutral","sentiment_score":0.24875851906836033}],"sentiment":"neutral","sentiment_score":0.06459058916234241,"num_words":49,"start":367.01498,"end":386.845},{"sentences":[{"text":"So with the lithium and stuff, that's great.","start":390.105,"end":392.685,"sentiment":"positive","sentiment_score":0.41029900312423706},{"text":"And that's that's always gonna stay where it is.","start":392.985,"end":396.08002,"sentiment":"neutral","sentiment_score":0.22552220357788932},{"text":"So I'm I'm looking more at the mineral side of it, such as your gold, your silver, copper, all that type of stuff.","start":396.08002,"end":402.42,"sentiment":"neutral","sentiment_score":0.16203024529892465},{"text":"And I know BHP shifted from iron ore into their copper side of their mining of of their so, yeah, the copper's a big one too.","start":404.16,"end":414.795,"sentiment":"neutral","sentiment_score":0.08129543947199216},{"text":"Copper's always in demand.","start":414.795,"end":416.255,"sentiment":"neutral","sentiment_score":0.11669333279132843}],"sentiment":"neutral","sentiment_score":0.1659891750929611,"num_words":70,"start":390.105,"end":416.255},{"sentences":[{"text":"So I'm I'm happy for you to look at something like for me.","start":416.315,"end":428.89,"sentiment":"positive","sentiment_score":0.49841134594036984},{"text":"Yep.","start":428.89,"end":429.39,"sentiment":"neutral","sentiment_score":0.13756734132766724},{"text":"Yep.","start":443.315,"end":443.815,"sentiment":"positive","sentiment_score":0.4229939877986908},{"text":"Yep.","start":459.67,"end":460.005,"sentiment":"neutral","sentiment_score":0.0006208938430063426},{"text":"Yep.","start":460.885,"end":461.385,"sentiment":"neutral","sentiment_score":-0.017520971596240997}],"sentiment":"positive","sentiment_score":0.41311816168223126,"num_words":17,"start":416.315,"end":461.385},{"sentences":[{"text":"Yeah.","start":465.365,"end":465.765,"sentiment":"neutral","sentiment_score":0.018324263393878937},{"text":"It's yeah.","start":465.765,"end":466.585,"sentiment":"neutral","sentiment_score":0.021689013577997684},{"text":"If that's the case, yeah, do that.","start":467.845,"end":469.865,"sentiment":"neutral","sentiment_score":0.05561620050242969},{"text":"Yeah.","start":472.325,"end":472.565,"sentiment":"positive","sentiment_score":0.334206759929657},{"text":"I'm I'm I'm happy for you to do that.","start":472.565,"end":474.245,"sentiment":"positive","sentiment_score":0.6467771199014452}],"sentiment":"neutral","sentiment_score":0.3303108266554773,"num_words":20,"start":465.365,"end":474.245},{"sentences":[{"text":"That's fine.","start":474.245,"end":474.93,"sentiment":"positive","sentiment_score":0.4145768880844116},{"text":"Yeah.","start":494.435,"end":494.595,"sentiment":"neutral","sentiment_score":0.1315971463918686},{"text":"That's fine.","start":494.595,"end":495.23502,"sentiment":"neutral","sentiment_score":0.21362119168043137},{"text":"Yep.","start":495.23502,"end":495.73502,"sentiment":"neutral","sentiment_score":0.16594231128692627},{"text":"Yeah.","start":526.61,"end":526.93,"sentiment":"neutral","sentiment_score":0.02742845006287098}],"sentiment":"neutral","sentiment_score":0.22590915246733598,"num_words":7,"start":474.245,"end":526.93},{"sentences":[{"text":"But well, my last annual review was if you have a look, was two years ago.","start":526.93,"end":531.51,"sentiment":"neutral","sentiment_score":-0.014413246070034802},{"text":"Not last year.","start":531.97,"end":533.11,"sentiment":"neutral","sentiment_score":-0.029608096306522686},{"text":"Yep.","start":533.25,"end":533.73,"sentiment":"neutral","sentiment_score":-0.00622747465968132},{"text":"So I didn't have one at all last year because I got lost through lost through the gaps in the system.","start":533.73,"end":540.29,"sentiment":"neutral","sentiment_score":-0.17493360808917455},{"text":"So Okay.","start":540.29,"end":559.57,"sentiment":"neutral","sentiment_score":0.007129766047000885}],"sentiment":"neutral","sentiment_score":-0.09267464973205744,"num_words":43,"start":526.93,"end":559.57},{"sentences":[{"text":"Yep.","start":559.71,"end":560.21,"sentiment":"neutral","sentiment_score":0.266373872756958},{"text":"Well, I'm looking at probably something in the transition to into retirement, you know, around about 60 to 62 where more so during the the middle months of the year, I can, you know, drop the three days a week where the demand in my job is not as high.","start":569.71,"end":589.08,"sentiment":"neutral","sentiment_score":-0.08580855023115873},{"text":"So that's something that I'm I'm I'm looking at.","start":589.7,"end":593.54004,"sentiment":"neutral","sentiment_score":-0.0046509724601896275},{"text":"So looking at setting something up for that, you know, five years early would be great just to see where we sit and what's required of me at my end.","start":593.54004,"end":604.295,"sentiment":"neutral","sentiment_score":0.09745496679097414},{"text":"I'm also looking with my insurances through Hub.","start":606.115,"end":610.375,"sentiment":"neutral","sentiment_score":0.018021808937191963}],"sentiment":"neutral","sentiment_score":-0.010184580772611484,"num_words":98,"start":559.71,"end":610.375},{"sentences":[{"text":"Can I set them up set up a death death insurance and all that type of stuff that I've currently still got in my CareSuper?","start":611.08,"end":618.7,"sentiment":"neutral","sentiment_score":-0.0006038400158286095},{"text":"I don't wanna ultimately, I would love to close down the CareSuper account, but it was left open when I came across the hub 24 because I've had surgery.","start":619.64,"end":630.545,"sentiment":"neutral","sentiment_score":-0.14900740916872846},{"text":"And it's been three years since I had the surgery, so the existing issues are are gone.","start":630.545,"end":635.605,"sentiment":"neutral","sentiment_score":-0.19500881871756384},{"text":"So that's what I'm looking at looking at just to basically that way, I'm not paying double fees, if you get what I mean.","start":636.385,"end":643.43,"sentiment":"neutral","sentiment_score":0.011901694194724163},{"text":"Yep.","start":685.94495,"end":686.44495,"sentiment":"neutral","sentiment_score":0.08651009202003479}],"sentiment":"neutral","sentiment_score":-0.07582614616452095,"num_words":96,"start":611.08,"end":686.44495},{"sentences":[{"text":"Well, probably life and t b d TPD are the two most important ones.","start":693.545,"end":700.11,"sentiment":"neutral","sentiment_score":0.031600381646837504},{"text":"I got the income protection just there just in case, you know, I was off off work for any given time.","start":701.61,"end":709.295,"sentiment":"neutral","sentiment_score":-0.03801252098665351},{"text":"But as I said to Samantha last week, I've got nearly two hundred and eighty hours in sick leave up my sleeve.","start":709.295,"end":714.335,"sentiment":"neutral","sentiment_score":-0.10015152496370403},{"text":"So I've got I've got more on my sick leave than what I have in my long service leave.","start":714.335,"end":717.935,"sentiment":"neutral","sentiment_score":-0.12919707282593376},{"text":"So and with the qualifying period for PPD as an income, it's still a thirty day thirty to sixty day waiting period before you're eligible for it anyway.","start":717.935,"end":732.33,"sentiment":"neutral","sentiment_score":0.006598377833142877}],"sentiment":"neutral","sentiment_score":-0.04643443222336758,"num_words":104,"start":693.545,"end":732.33},{"sentences":[{"text":"So you could be back at work by that stage.","start":732.33,"end":734.33,"sentiment":"neutral","sentiment_score":-0.011707023531198502},{"text":"So I'm actually thinking of dropping that out of CareSuper now just thinking about it.","start":734.33,"end":740.455,"sentiment":"neutral","sentiment_score":-0.11456476598978042},{"text":"But I'm looking I'm looking at a a a death benefit insurance of roughly around about the $3.50 to 400 that I've currently got in my care account.","start":742.835,"end":753.35004,"sentiment":"neutral","sentiment_score":-0.0535707587509283},{"text":"Same with CPD.","start":754.61005,"end":755.59,"sentiment":"neutral","sentiment_score":0.014329545820752779},{"text":"So that's that's where I'm looking.","start":755.89,"end":758.95,"sentiment":"neutral","sentiment_score":0.04251174442470074}],"sentiment":"neutral","sentiment_score":-0.048991352680229375,"num_words":62,"start":732.33,"end":758.95},{"sentences":[{"text":"So if you add something happens to me, my wife gets with super as well as the death benefit, then that way I know she's okay for the foreseeable future, if you get what I mean.","start":760.305,"end":771.045,"sentiment":"neutral","sentiment_score":0.30798107013106346},{"text":"Yeah.","start":779.23004,"end":779.71,"sentiment":"neutral","sentiment_score":0.03891203552484512},{"text":"We are.","start":779.71,"end":780.53,"sentiment":"neutral","sentiment_score":-0.0037970514968037605},{"text":"It's $18.47 a month.","start":783.65497,"end":785.735,"sentiment":"neutral","sentiment_score":0.0139016336761415},{"text":"So you can round it up to 18 50.","start":785.735,"end":787.835,"sentiment":"neutral","sentiment_score":0.01889178405205409}],"sentiment":"neutral","sentiment_score":0.21815902016197258,"num_words":52,"start":760.305,"end":787.835},{"sentences":[{"text":"Yep.","start":799.25,"end":799.75,"sentiment":"neutral","sentiment_score":0.058404892683029175},{"text":"Yep.","start":800.21,"end":800.71,"sentiment":"neutral","sentiment_score":0.059966038912534714},{"text":"That's correct.","start":803.25,"end":804.07,"sentiment":"neutral","sentiment_score":0.17043041437864304},{"text":"Yes.","start":808.52997,"end":809.02997,"sentiment":"neutral","sentiment_score":0.1442066729068756},{"text":"Yep.","start":817.415,"end":817.915,"sentiment":"neutral","sentiment_score":-0.02603131532669067}],"sentiment":"neutral","sentiment_score":0.09623451965550582,"num_words":6,"start":799.25,"end":817.915},{"sentences":[{"text":"Yep.","start":822.055,"end":822.555,"sentiment":"neutral","sentiment_score":0.027583584189414975},{"text":"So you can you can you do that on my behalf through Kegs?","start":823.96,"end":827.08,"sentiment":"neutral","sentiment_score":0.16291670615856463},{"text":"You've got access.","start":827.08,"end":827.98,"sentiment":"neutral","sentiment_score":0.1187892034649849},{"text":"Yep.","start":828.44,"end":828.92,"sentiment":"neutral","sentiment_score":0.14714068174362183},{"text":"Do it.","start":828.92,"end":829.48,"sentiment":"neutral","sentiment_score":0.08156827464699745}],"sentiment":"neutral","sentiment_score":0.14060728028416633,"num_words":20,"start":822.055,"end":829.48},{"sentences":[{"text":"Yep.","start":829.48,"end":829.98,"sentiment":"neutral","sentiment_score":0.05155826359987259},{"text":"Yeah.","start":883.86,"end":884.1,"sentiment":"neutral","sentiment_score":0.1186988800764084},{"text":"Confirm.","start":884.1,"end":884.6,"sentiment":"neutral","sentiment_score":0.19562534987926483},{"text":"Yep.","start":899.125,"end":899.625,"sentiment":"neutral","sentiment_score":-0.11484172195196152},{"text":"So on the and the reason why I asked this, we recently lost my brother-in-law.","start":900.72504,"end":906.68005,"sentiment":"neutral","sentiment_score":-0.1423512205481529}],"sentiment":"neutral","sentiment_score":-0.09916987034835313,"num_words":19,"start":829.48,"end":906.68005},{"sentences":[{"text":"So and it was sudden.","start":906.98004,"end":909.72003,"sentiment":"neutral","sentiment_score":-0.18818238377571106},{"text":"So in a hypothetical scenario, if something something happened to me, how quick could my wife access super after I pass away?","start":909.78,"end":922.785,"sentiment":"neutral","sentiment_score":-0.0800013296644796},{"text":"Like, for in in emergency circumstances, like, to cover my funeral and stuff like that.","start":922.785,"end":927.44495,"sentiment":"neutral","sentiment_score":-0.13290955772002538},{"text":"Yeah.","start":936.72,"end":937.22,"sentiment":"neutral","sentiment_score":0.044684480875730515},{"text":"Yep.","start":944.95496,"end":945.45496,"sentiment":"neutral","sentiment_score":0.048745494335889816}],"sentiment":"neutral","sentiment_score":-0.10457169459286061,"num_words":44,"start":906.98004,"end":945.45496},{"sentences":[{"text":"Yes.","start":965.72003,"end":966.22003,"sentiment":"neutral","sentiment_score":-0.015185674652457236},{"text":"No.","start":974.64496,"end":975.14496,"sentiment":"neutral","sentiment_score":-0.17120078206062317},{"text":"No.","start":975.925,"end":976.425,"sentiment":"neutral","sentiment_score":-0.2254093587398529},{"text":"Yep.","start":978.565,"end":979.065,"sentiment":"neutral","sentiment_score":-0.09719735383987428},{"text":"Yep.","start":1000.375,"end":1000.875,"sentiment":"neutral","sentiment_score":0.11904947459697723}],"sentiment":"neutral","sentiment_score":-0.07798873893916607,"num_words":5,"start":965.72003,"end":1000.875},{"sentences":[{"text":"No.","start":1028.6849,"end":1028.845,"sentiment":"neutral","sentiment_score":-0.24352341890335083},{"text":"We we'd have to ask family to help out in the short in the short term.","start":1028.845,"end":1035.105,"sentiment":"neutral","sentiment_score":-0.11143674468621612},{"text":"No.","start":1041.8049,"end":1042.08,"sentiment":"neutral","sentiment_score":-0.11456776410341264},{"text":"No.","start":1043.84,"end":1044.1599,"sentiment":"neutral","sentiment_score":-0.16997167468070984},{"text":"No.","start":1044.1599,"end":1044.6599,"sentiment":"neutral","sentiment_score":-0.13208359479904175}],"sentiment":"neutral","sentiment_score":-0.12215671837329864,"num_words":20,"start":1028.6849,"end":1044.6599},{"sentences":[{"text":"I mean, I'm I'm the way we work in here is that I'm the I'm I'm the primary income earner.","start":1044.72,"end":1050.26,"sentiment":"neutral","sentiment_score":0.04174066255800426},{"text":"So I I cover all the rent to build and all that type of stuff, and my wife's, know, my wife probably works between twenty and thirty hours a week, and that covers shopping and stuff like that.","start":1050.72,"end":1060.675,"sentiment":"neutral","sentiment_score":-0.010363793833867499},{"text":"So it it's we have very limited savings.","start":1060.675,"end":1064.295,"sentiment":"neutral","sentiment_score":-0.2393841571174562},{"text":"We're we're, like, one of many thousands and thousands of people who live paycheck to paycheck, unfortunately.","start":1067.155,"end":1071.95,"sentiment":"neutral","sentiment_score":-0.1914988545810475},{"text":"Yep.","start":1105.49,"end":1105.99,"sentiment":"neutral","sentiment_score":0.05626680701971054}],"sentiment":"neutral","sentiment_score":-0.055634498718150315,"num_words":84,"start":1044.72,"end":1105.99},{"sentences":[{"text":"Yeah.","start":1113.155,"end":1113.475,"sentiment":"neutral","sentiment_score":0.07593552768230438},{"text":"Because it wouldn't I probably wouldn't need more than say 10 or $15 put aside.","start":1113.475,"end":1118.295,"sentiment":"neutral","sentiment_score":0.034393530214826266},{"text":"So, yeah, I'm happy to put it in a in a recommendation.","start":1118.435,"end":1121.735,"sentiment":"positive","sentiment_score":0.6247087071339289},{"text":"Yeah.","start":1122.035,"end":1122.535,"sentiment":"positive","sentiment_score":0.3642485737800598},{"text":"Yep.","start":1130.57,"end":1131.07,"sentiment":"positive","sentiment_score":0.3457561731338501}],"sentiment":"neutral","sentiment_score":0.29327825711419186,"num_words":30,"start":1113.155,"end":1131.07},{"sentences":[{"text":"Yep.","start":1142.0651,"end":1142.5651,"sentiment":"neutral","sentiment_score":0.08521916717290878},{"text":"Yep.","start":1159.54,"end":1160.04,"sentiment":"neutral","sentiment_score":0.014439230784773828},{"text":"Yeah.","start":1193.46,"end":1193.96,"sentiment":"neutral","sentiment_score":0.026016738265752792},{"text":"Yeah.","start":1196.5,"end":1196.9,"sentiment":"neutral","sentiment_score":0.08883337676525116},{"text":"It 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in in my proper role and my employer has to refine my role, then well, that's why I took out the TPD.","start":1218.82,"end":1231.885,"sentiment":"neutral","sentiment_score":-0.11173633070186127},{"text":"So yep.","start":1232.025,"end":1239.645,"sentiment":"neutral","sentiment_score":0.1105669979006052}],"sentiment":"neutral","sentiment_score":-0.07416409903570362,"num_words":115,"start":1197.38,"end":1239.645},{"sentences":[{"text":"Yep.","start":1250.3099,"end":1250.8099,"sentiment":"neutral","sentiment_score":0.07804976403713226},{"text":"Yep.","start":1250.95,"end":1251.45,"sentiment":"neutral","sentiment_score":0.071811743080616},{"text":"So you would set up something like an offset account where money would go into that type of account where it can be accessed outside of super.","start":1251.6699,"end":1258.15,"sentiment":"neutral","sentiment_score":0.06369050233452409},{"text":"Correct?","start":1258.15,"end":1258.47,"sentiment":"neutral","sentiment_score":0.04880106821656227},{"text":"Is that how is that but yes.","start":1258.47,"end":1270.885,"sentiment":"neutral","sentiment_score":0.03675319653536592}],"sentiment":"neutral","sentiment_score":0.05879941930037898,"num_words":37,"start":1250.3099,"end":1270.885},{"sentences":[{"text":"Yep.","start":1283.94,"end":1284.44,"sentiment":"neutral","sentiment_score":0.10444103926420212},{"text":"Yep.","start":1284.74,"end":1285.24,"sentiment":"neutral","sentiment_score":0.1881828606128693},{"text":"Okay.","start":1297.455,"end":1297.955,"sentiment":"neutral","sentiment_score":0.004807960242033005},{"text":"It does it does now.","start":1300.52,"end":1301.5599,"sentiment":"neutral","sentiment_score":-0.002037186548113823},{"text":"Yep.","start":1301.5599,"end":1302.0599,"sentiment":"neutral","sentiment_score":0.13411664962768555}],"sentiment":"neutral","sentiment_score":0.04681806411180231,"num_words":9,"start":1283.94,"end":1302.0599},{"sentences":[{"text":"No.","start":1325.2849,"end":1325.445,"sentiment":"neutral","sentiment_score":-0.11901410669088364},{"text":"I was never aware of that.","start":1325.445,"end":1326.885,"sentiment":"neutral","sentiment_score":-0.14981752634048462},{"text":"So there you go.","start":1326.885,"end":1327.865,"sentiment":"neutral","sentiment_score":-0.06240660045295954},{"text":"Yeah.","start":1341.9049,"end":1342.4049,"sentiment":"neutral","sentiment_score":0.04686962068080902},{"text":"No.","start":1403.025,"end":1403.525,"sentiment":"negative","sentiment_score":-0.34244412183761597}],"sentiment":"neutral","sentiment_score":-0.12024001290018742,"num_words":13,"start":1325.2849,"end":1403.525},{"sentences":[{"text":"That's just bizarre.","start":1416.55,"end":1417.77,"sentiment":"negative","sentiment_score":-0.6345258951187134},{"text":"So, you know, based on $3.50, I'm getting gonna get taxed, you know, over $70 of it.","start":1418.55,"end":1423.51,"sentiment":"negative","sentiment_score":-0.3690369830412023},{"text":"So I'm almost tempted to get rid of it altogether.","start":1423.51,"end":1457.4249,"sentiment":"negative","sentiment_score":-0.35669007897377014},{"text":"It's that 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that?","start":1540.935,"end":1549.435,"sentiment":"neutral","sentiment_score":0.04882550141529033},{"text":"Yeah.","start":1551.33,"end":1551.83,"sentiment":"neutral","sentiment_score":-0.08592619746923447},{"text":"Okay.","start":1552.0499,"end":1552.5499,"sentiment":"neutral","sentiment_score":0.06110755726695061},{"text":"Yep.","start":1556.61,"end":1557.11,"sentiment":"neutral","sentiment_score":0.10877709090709686}],"sentiment":"neutral","sentiment_score":0.04821833741405736,"num_words":23,"start":1540.535,"end":1557.11},{"sentences":[{"text":"Yep.","start":1563.045,"end":1563.545,"sentiment":"neutral","sentiment_score":0.09920543432235718},{"text":"Alright.","start":1568.485,"end":1568.985,"sentiment":"neutral","sentiment_score":0.1893367171287537},{"text":"Okay.","start":1575.685,"end":1576.185,"sentiment":"neutral","sentiment_score":0.17954987287521362},{"text":"Cool.","start":1576.3251,"end":1576.7251,"sentiment":"neutral","sentiment_score":0.2694990634918213},{"text":"Yep.","start":1576.7251,"end":1577.2251,"sentiment":"neutral","sentiment_score":0.15269753336906433}],"sentiment":"neutral","sentiment_score":0.178057724237442,"num_words":5,"start":1563.045,"end":1577.2251},{"sentences":[{"text":"Yeah.","start":1579.8201,"end":1579.98,"sentiment":"neutral","sentiment_score":0.02034318447113037},{"text":"So I'm I'm I'm worth about 600 to my wife if I pass away.","start":1579.98,"end":1584.72,"sentiment":"neutral","sentiment_score":-0.04326983937062323},{"text":"Yeah.","start":1589.26,"end":1589.76,"sentiment":"neutral","sentiment_score":0.02481881156563759},{"text":"I I get that.","start":1590.7001,"end":1591.66,"sentiment":"neutral","sentiment_score":0.021209143567830328},{"text":"But and I would just like to yeah.","start":1591.66,"end":1594.055,"sentiment":"neutral","sentiment_score":-0.0019901094492524862}],"sentiment":"neutral","sentiment_score":-0.01756071630266628,"num_words":28,"start":1579.8201,"end":1594.055},{"sentences":[{"text":"So as long as you set up, that's fine.","start":1594.055,"end":1595.7351,"sentiment":"neutral","sentiment_score":0.06391766905370685},{"text":"That's that's what I needed to know.","start":1595.7351,"end":1597.675,"sentiment":"neutral","sentiment_score":0.03298382727163179},{"text":"Okay.","start":1619.16,"end":1619.66,"sentiment":"neutral","sentiment_score":0.11059276014566422},{"text":"Yep.","start":1619.72,"end":1619.96,"sentiment":"neutral","sentiment_score":0.12831513583660126},{"text":"That's fine.","start":1619.96,"end":1620.645,"sentiment":"neutral","sentiment_score":0.2526139169931412}],"sentiment":"neutral","sentiment_score":0.0775140771176666,"num_words":20,"start":1594.055,"end":1620.645},{"sentences":[{"text":"No.","start":1625.285,"end":1625.785,"sentiment":"neutral","sentiment_score":-0.18029777705669403},{"text":"It's alright.","start":1628.2451,"end":1631.7051,"sentiment":"neutral","sentiment_score":0.018777470104396343},{"text":"No.","start":1632.5651,"end":1632.965,"sentiment":"neutral","sentiment_score":-0.03206556662917137},{"text":"That's that's fine.","start":1632.965,"end":1634.165,"sentiment":"neutral","sentiment_score":0.24642529090245566},{"text":"And, honestly, and seeing it all in writing will give me a little bit more clarity as well.","start":1634.165,"end":1640.6,"sentiment":"neutral","sentiment_score":0.1870772714416186}],"sentiment":"neutral","sentiment_score":0.15727433420717715,"num_words":25,"start":1625.285,"end":1640.6},{"sentences":[{"text":"I I'll I'll be able to absorb it and take it all in, so that's fine.","start":1641.2999,"end":1645.0,"sentiment":"neutral","sentiment_score":0.13304194947704673},{"text":"Yep.","start":1652.8151,"end":1653.3151,"sentiment":"neutral","sentiment_score":0.050156474113464355},{"text":"Not not anymore.","start":1654.5751,"end":1655.615,"sentiment":"neutral","sentiment_score":-0.17960762480894724},{"text":"You you can get rid of that.","start":1655.615,"end":1656.655,"sentiment":"neutral","sentiment_score":-0.10888242082936424},{"text":"Not of the care, but that's fine.","start":1656.655,"end":1658.435,"sentiment":"neutral","sentiment_score":0.04578540474176407}],"sentiment":"neutral","sentiment_score":0.03524487290312262,"num_words":34,"start":1641.2999,"end":1658.435},{"sentences":[{"text":"Yep.","start":1676.28,"end":1676.78,"sentiment":"neutral","sentiment_score":-0.0436163954436779},{"text":"Make a recommendation.","start":1696.51,"end":1697.4099,"sentiment":"neutral","sentiment_score":-0.03874253792067369},{"text":"I can always say no.","start":1697.63,"end":1699.01,"sentiment":"neutral","sentiment_score":-0.04643440246582031},{"text":"Yes.","start":1724.75,"end":1725.25,"sentiment":"neutral","sentiment_score":0.006496405694633722},{"text":"Yep.","start":1726.3501,"end":1726.8501,"sentiment":"neutral","sentiment_score":0.039054520428180695}],"sentiment":"neutral","sentiment_score":-0.0314968268556351,"num_words":11,"start":1676.28,"end":1726.8501},{"sentences":[{"text":"That'll work.","start":1727.7101,"end":1728.61,"sentiment":"neutral","sentiment_score":0.21508203446865082},{"text":"Yep.","start":1736.155,"end":1736.4751,"sentiment":"neutral","sentiment_score":0.06310388445854187},{"text":"That's fine.","start":1736.4751,"end":1737.2151,"sentiment":"neutral","sentiment_score":0.1660858690738678},{"text":"No.","start":1745.1,"end":1745.5,"sentiment":"neutral","sentiment_score":-0.12788759171962738},{"text":"Not not not at this stage, mate.","start":1745.5,"end":1747.6,"sentiment":"neutral","sentiment_score":-0.21802456676959991}],"sentiment":"neutral","sentiment_score":-0.06373998981255752,"num_words":13,"start":1727.7101,"end":1747.6},{"sentences":[{"text":"Yeah.","start":1754.7001,"end":1755.1,"sentiment":"neutral","sentiment_score":-0.0030838344246149063},{"text":"No.","start":1755.1,"end":1755.3401,"sentiment":"neutral","sentiment_score":-0.05881454050540924},{"text":"We 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guess.","start":1792.215,"end":1798.5549,"sentiment":"neutral","sentiment_score":-0.0376827215982808},{"text":"I've got no.","start":1809.3,"end":1810.8201,"sentiment":"neutral","sentiment_score":0.025550721834103268}],"sentiment":"neutral","sentiment_score":-0.03156349006230417,"num_words":23,"start":1780.92,"end":1810.8201},{"sentences":[{"text":"I've got a $15 credit card.","start":1810.8201,"end":1813.08,"sentiment":"neutral","sentiment_score":-0.024614453005294006},{"text":"That one for that sitting at about 14 miles, so there you go.","start":1815.4851,"end":1818.785,"sentiment":"neutral","sentiment_score":0.08920524555903214},{"text":"Other than that, there's no other debts.","start":1820.2051,"end":1821.905,"sentiment":"neutral","sentiment_score":0.0424877546195473},{"text":"Yep.","start":1834.24,"end":1834.74,"sentiment":"neutral","sentiment_score":0.0005249238456599414},{"text":"We have.","start":1835.28,"end":1836.02,"sentiment":"neutral","sentiment_score":-0.0011091805063188076}],"sentiment":"neutral","sentiment_score":0.045093183427776115,"num_words":29,"start":1810.8201,"end":1836.02},{"sentences":[{"text":"We just haven't done it.","start":1836.16,"end":1837.7,"sentiment":"neutral","sentiment_score":-0.10038471966981888},{"text":"That is correct.","start":1855.3151,"end":1856.1951,"sentiment":"neutral","sentiment_score":0.1290211429198583},{"text":"And I think she's is it nonbonding or bonding beneficiaries from memory?","start":1856.1951,"end":1860.49,"sentiment":"neutral","sentiment_score":0.018244117816114642},{"text":"Mhmm.","start":1866.87,"end":1867.37,"sentiment":"neutral","sentiment_score":0.01840229332447052},{"text":"I think it's I think it's bonding the memory.","start":1867.83,"end":1876.2725,"sentiment":"neutral","sentiment_score":0.005974201382034355}],"sentiment":"neutral","sentiment_score":0.005874644998887864,"num_words":30,"start":1836.16,"end":1876.2725},{"sentences":[{"text":"Yep.","start":1900.765,"end":1901.265,"sentiment":"neutral","sentiment_score":0.13694272935390472},{"text":"Do it.","start":1902.285,"end":1903.005,"sentiment":"neutral","sentiment_score":0.050444288179278374},{"text":"Yep.","start":1903.005,"end":1903.505,"sentiment":"neutral","sentiment_score":0.06943635642528534},{"text":"Yep.","start":1904.045,"end":1904.545,"sentiment":"neutral","sentiment_score":0.18937502801418304},{"text":"I am.","start":1926.4851,"end":1927.145,"sentiment":"neutral","sentiment_score":0.1224428042769432}],"sentiment":"neutral","sentiment_score":0.1059326141008309,"num_words":7,"start":1900.765,"end":1927.145},{"sentences":[{"text":"Can you I'm pretty sure I've got care my care suite is set up the same as well.","start":1928.3251,"end":1932.9651,"sentiment":"neutral","sentiment_score":0.14668075698945257},{"text":"I'm happy for you to log in and check that.","start":1932.9651,"end":1935.145,"sentiment":"neutral","sentiment_score":0.257429201900959},{"text":"Yep.","start":1946.88,"end":1947.12,"sentiment":"neutral","sentiment_score":0.13923391699790957},{"text":"And I'm happy for you to transfer $5 across too.","start":1947.12,"end":1950.4199,"sentiment":"positive","sentiment_score":0.37282505333423616},{"text":"Yep.","start":1956.72,"end":1957.065,"sentiment":"neutral","sentiment_score":0.1869535446166992}],"sentiment":"neutral","sentiment_score":0.23172459099441767,"num_words":40,"start":1928.3251,"end":1957.065},{"sentences":[{"text":"Yep.","start":1970.2649,"end":1970.585,"sentiment":"neutral","sentiment_score":0.1379302144050598},{"text":"That's fine.","start":1970.585,"end":1971.21,"sentiment":"neutral","sentiment_score":0.3171626776456833},{"text":"Yep.","start":1999.97,"end":2000.47,"sentiment":"neutral","sentiment_score":0.03533070161938667},{"text":"Yes.","start":2014.1051,"end":2014.425,"sentiment":"neutral","sentiment_score":0.05987236648797989},{"text":"That's four.","start":2014.425,"end":2015.165,"sentiment":"neutral","sentiment_score":0.05988280475139618}],"sentiment":"neutral","sentiment_score":0.1410320353295122,"num_words":7,"start":1970.2649,"end":2015.165},{"sentences":[{"text":"Yep.","start":2041.3351,"end":2041.5751,"sentiment":"neutral","sentiment_score":0.07259712368249893},{"text":"That's fine.","start":2041.5751,"end":2042.475,"sentiment":"neutral","sentiment_score":0.20374822616577148},{"text":"At this stage, probably, it will be retirement age, so I don't think I'll have enough super.","start":2057.81,"end":2062.55,"sentiment":"neutral","sentiment_score":-0.13584641411023982},{"text":"No.","start":2065.81,"end":2065.97,"sentiment":"neutral","sentiment_score":-0.12377572059631348},{"text":"It'd be I'm probably probably 67.","start":2065.97,"end":2068.6301,"sentiment":"neutral","sentiment_score":-0.07181685417890549}],"sentiment":"neutral","sentiment_score":-0.08829527072332523,"num_words":27,"start":2041.3351,"end":2068.6301},{"sentences":[{"text":"Yep.","start":2077.605,"end":2078.105,"sentiment":"neutral","sentiment_score":-0.003666575998067856},{"text":"Yep.","start":2089.6301,"end":2090.1301,"sentiment":"neutral","sentiment_score":-0.06233489140868187},{"text":"Yep.","start":2106.045,"end":2106.545,"sentiment":"neutral","sentiment_score":0.08646159619092941},{"text":"So yeah.","start":2128.3352,"end":2130.0151,"sentiment":"neutral","sentiment_score":0.1681538112461567},{"text":"But yeah.","start":2130.0151,"end":2130.415,"sentiment":"neutral","sentiment_score":0.09551176428794861}],"sentiment":"neutral","sentiment_score":0.07825589712177004,"num_words":7,"start":2077.605,"end":2130.415},{"sentences":[{"text":"That's fine.","start":2130.415,"end":2131.3152,"sentiment":"neutral","sentiment_score":0.21647541224956512},{"text":"So you're telling me that I can actually technically retire at 60 and access my super from 60 onwards.","start":2131.6702,"end":2138.33,"sentiment":"neutral","sentiment_score":0.13156958081220327},{"text":"Yeah.","start":2141.51,"end":2141.83,"sentiment":"neutral","sentiment_score":-0.0119890496134758},{"text":"It's probably it's probably not enough in my super to be able to cover my current lifestyle.","start":2141.83,"end":2146.6052,"sentiment":"neutral","sentiment_score":-0.28326528037295623},{"text":"My current my current income.","start":2148.3452,"end":2149.885,"sentiment":"neutral","sentiment_score":-0.07887982428073884}],"sentiment":"neutral","sentiment_score":-0.05202556994150986,"num_words":44,"start":2130.415,"end":2149.885},{"sentences":[{"text":"Sorry.","start":2150.1052,"end":2150.6052,"sentiment":"neutral","sentiment_score":-0.11521442979574203},{"text":"What?","start":2157.865,"end":2158.365,"sentiment":"neutral","sentiment_score":-0.05291624367237091},{"text":"Yeah.","start":2160.72,"end":2161.22,"sentiment":"neutral","sentiment_score":-0.04926983639597893},{"text":"Probably at this stage.","start":2162.4,"end":2164.0,"sentiment":"neutral","sentiment_score":-0.10872088558971882},{"text":"I mean, it's just gonna vary on on what I need to do because I know being in that Gen X that we are, that I am, I I knew I'd I'd be eligible for the age pension.","start":2164.0,"end":2176.865,"sentiment":"neutral","sentiment_score":-0.07207604860396762}],"sentiment":"neutral","sentiment_score":-0.07535941998163859,"num_words":45,"start":2150.1052,"end":2176.865},{"sentences":[{"text":"It's more so my my daughter and her kids and and so forth as as they get older where they don't wanna pay a pension at all.","start":2176.925,"end":2184.605,"sentiment":"neutral","sentiment_score":-0.12546560168266296},{"text":"They just want you to use your super.","start":2184.605,"end":2186.205,"sentiment":"neutral","sentiment_score":-0.03596342774108052},{"text":"So yep.","start":2186.205,"end":2199.17,"sentiment":"neutral","sentiment_score":-0.032742707058787346},{"text":"Yeah.","start":2207.835,"end":2208.155,"sentiment":"neutral","sentiment_score":-0.02165069803595543},{"text":"Well, then that's that's that's also a concern as well.","start":2208.155,"end":2211.035,"sentiment":"neutral","sentiment_score":-0.11016629450023174}],"sentiment":"neutral","sentiment_score":-0.10133495259409149,"num_words":48,"start":2176.925,"end":2211.035},{"sentences":[{"text":"So I know for a fact that, you know, with my mother on the age pension and stuff like that, in another ten or twelve years time, just the way it's all set up and everything like that, it won't be anywhere near as much because they want the Gen Xs to rely on their super more and just have the pension to top up your your in your income.","start":2211.035,"end":2231.835,"sentiment":"neutral","sentiment_score":-0.10029339250177145},{"text":"That I know.","start":2231.835,"end":2232.815,"sentiment":"neutral","sentiment_score":0.0164582176754872},{"text":"And that's where my concern is of being able to sort of have the balancing act of both as we get older.","start":2232.875,"end":2239.035,"sentiment":"neutral","sentiment_score":-0.03405836148356849},{"text":"So Yep.","start":2239.035,"end":2267.715,"sentiment":"neutral","sentiment_score":0.14174233749508858},{"text":"Alright.","start":2268.015,"end":2268.515,"sentiment":"neutral","sentiment_score":0.3226024806499481}],"sentiment":"neutral","sentiment_score":-0.07259550631730532,"num_words":98,"start":2211.035,"end":2268.515},{"sentences":[{"text":"Alright.","start":2297.295,"end":2297.775,"sentiment":"neutral","sentiment_score":0.3021486699581146},{"text":"Cool.","start":2297.775,"end":2298.275,"sentiment":"positive","sentiment_score":0.6037505269050598},{"text":"Yeah.","start":2315.74,"end":2315.82,"sentiment":"neutral","sentiment_score":0.23068372905254364},{"text":"I'd love I would love my super balance to be another 100 odd k more than what it is.","start":2315.82,"end":2321.2,"sentiment":"positive","sentiment_score":0.44665766389746414},{"text":"If not more, which and that way, it gives me the ability to be able to go to the the transition to retirement, whereas I said to you before, that at 60 or 61, 62, I can look at working three days a week in the middle part of the year and stuff like that and not lose any income where I can just have my super top up my my weekly wage, if you get what I mean.","start":2327.395,"end":2354.1052,"sentiment":"neutral","sentiment_score":0.14836755272331117}],"sentiment":"neutral","sentiment_score":0.21132787331791208,"num_words":101,"start":2297.295,"end":2354.1052},{"sentences":[{"text":"Yep.","start":2366.58,"end":2367.08,"sentiment":"neutral","sentiment_score":0.12022913992404938},{"text":"Alright.","start":2376.795,"end":2377.295,"sentiment":"neutral","sentiment_score":0.16317901015281677},{"text":"That's fine.","start":2377.755,"end":2378.4949,"sentiment":"positive","sentiment_score":0.3652772307395935},{"text":"Not all I have at night.","start":2398.9202,"end":2400.2202,"sentiment":"neutral","sentiment_score":-0.07783053070306778},{"text":"I'm probably in between medium to high.","start":2427.65,"end":2431.01,"sentiment":"neutral","sentiment_score":-0.024446573108434677}],"sentiment":"neutral","sentiment_score":0.02210902444580022,"num_words":17,"start":2366.58,"end":2431.01},{"sentences":[{"text":"I I I I'm I'm not adverse to taking a a risk in the short term.","start":2431.01,"end":2438.295,"sentiment":"neutral","sentiment_score":0.1484989314340055},{"text":"Like, you know, if if something's gonna go gangbusters.","start":2438.295,"end":2442.315,"sentiment":"neutral","sentiment_score":0.08537918261976706},{"text":"I'm not adverse to say having someone put, you know, money into an investment portfolio where you're seeing significant gains in a shorter period of time.","start":2446.71,"end":2461.295,"sentiment":"neutral","sentiment_score":0.27954755551539934},{"text":"So we we make money out of that and then sell at the right time and and and move on, so to speak.","start":2461.835,"end":2468.795,"sentiment":"neutral","sentiment_score":0.3297870275766953},{"text":"So I'm probably in that medium to high, which then that takes the opportunity of increasing the balance quicker.","start":2468.795,"end":2478.1401,"sentiment":"neutral","sentiment_score":0.19207751790159627}],"sentiment":"neutral","sentiment_score":0.23276566090663114,"num_words":93,"start":2431.01,"end":2478.1401},{"sentences":[{"text":"And I know the adverse side to the risk of it, but as you said, with with that one that's had that negative eighteen percent drop, I mean, that's offset all the gains that all my other all the other investments that were being put into had gained.","start":2478.76,"end":2492.455,"sentiment":"neutral","sentiment_score":-0.0829336557071656},{"text":"So, you know, that I'm caught in the catch 22.","start":2492.835,"end":2497.795,"sentiment":"neutral","sentiment_score":-0.05209836382418871},{"text":"Hence, the reason why I said you got a gold and silver because it's more of a defense one that I can always call back on.","start":2497.795,"end":2503.17,"sentiment":"neutral","sentiment_score":0.07826225384353445},{"text":"Yep.","start":2530.0898,"end":2530.5898,"sentiment":"neutral","sentiment_score":0.22648894786834717},{"text":"Yep.","start":2545.29,"end":2545.695,"sentiment":"neutral","sentiment_score":0.23225939273834229}],"sentiment":"neutral","sentiment_score":-0.023351536879619193,"num_words":86,"start":2478.76,"end":2545.695},{"sentences":[{"text":"In the sense I mean, if it's a significant drop, yeah, then I'm that I'd have I'd have concern.","start":2560.6,"end":2565.26,"sentiment":"neutral","sentiment_score":-0.20521368164765208},{"text":"But, I mean, I I generally check my super either once a month, once every six weeks.","start":2566.12,"end":2571.32,"sentiment":"neutral","sentiment_score":0.001511219998492914},{"text":"And as I said, I checked it a week ago before Samantha rang me in just in the week gone.","start":2571.32,"end":2577.155,"sentiment":"neutral","sentiment_score":-0.02025271919555962},{"text":"You know, my hubs dropped seven k, and my care supers dropped nearly two k.","start":2577.155,"end":2582.1948,"sentiment":"neutral","sentiment_score":-0.04491562334199747},{"text":"Just then that's just in a week type thing.","start":2582.1948,"end":2584.595,"sentiment":"neutral","sentiment_score":-0.052954615818129644}],"sentiment":"neutral","sentiment_score":-0.06785936859669164,"num_words":80,"start":2560.6,"end":2584.595},{"sentences":[{"text":"So I generally in volatile times such as this where the market's so uncertain, I I don't tend to check it because I don't wanna know.","start":2584.595,"end":2594.56,"sentiment":"neutral","sentiment_score":-0.11618121921156462},{"text":"I'm not one of these people that are hyper vigilant and will check it every day and and then get concerned that my soup is dropping because it defeats the purpose of what it's there for.","start":2594.56,"end":2604.785,"sentiment":"neutral","sentiment_score":-0.20653780135843489},{"text":"Do you get what I mean?","start":2604.785,"end":2605.845,"sentiment":"neutral","sentiment_score":-0.044821187077711024},{"text":"Yep.","start":2619.47,"end":2619.97,"sentiment":"neutral","sentiment_score":0.03420257195830345},{"text":"Sorry.","start":2637.565,"end":2637.885,"sentiment":"neutral","sentiment_score":-0.14420205354690552}],"sentiment":"neutral","sentiment_score":-0.15478570217798862,"num_words":70,"start":2584.595,"end":2637.885},{"sentences":[{"text":"Can you repeat that?","start":2637.885,"end":2639.005,"sentiment":"neutral","sentiment_score":-0.09047833643853664},{"text":"I missed I missed a lot of that.","start":2639.005,"end":2640.605,"sentiment":"neutral","sentiment_score":-0.21954126469790936},{"text":"Sorry.","start":2640.605,"end":2640.845,"sentiment":"neutral","sentiment_score":-0.22854101657867432},{"text":"My bad.","start":2640.845,"end":2641.505,"sentiment":"negative","sentiment_score":-0.3492971956729889},{"text":"Yep.","start":2660.875,"end":2661.375,"sentiment":"neutral","sentiment_score":-0.10424789041280746}],"sentiment":"neutral","sentiment_score":-0.19685167260468006,"num_words":16,"start":2637.885,"end":2661.375},{"sentences":[{"text":"If it was an if it was an ongoing concern, I would probably either expect you to contact me because that's what I pay you for, or I would contact you just to see what what our options would be.","start":2676.3801,"end":2696.3699,"sentiment":"neutral","sentiment_score":-0.07356849350035191},{"text":"I mean, I'd probably wait if it was something over a three month period just to see if the market corrects itself, which it does tend to tend to do.","start":2696.3699,"end":2709.51,"sentiment":"neutral","sentiment_score":-0.04225888028740883},{"text":"Like, as I said, it bounces been bouncing up and down the last, you know, even two days.","start":2710.125,"end":2714.285,"sentiment":"neutral","sentiment_score":-0.059773674752149314},{"text":"So, you know, oil was a $116 a barrel on Monday, and it was $93 yesterday.","start":2714.285,"end":2719.585,"sentiment":"neutral","sentiment_score":-0.08908441988751292},{"text":"So it's going up and down like a yoyo at the moment.","start":2719.645,"end":2723.085,"sentiment":"neutral","sentiment_score":-0.1821909360587597}],"sentiment":"neutral","sentiment_score":-0.07670753659552028,"num_words":116,"start":2676.3801,"end":2723.085},{"sentences":[{"text":"So that's that's tending to dictate dictate what happens to the rest of the market.","start":2723.085,"end":2728.4102,"sentiment":"neutral","sentiment_score":-0.15241387337446213},{"text":"So I guess it's more of a I'm attend I I tend to be a wait and see type of person and then look at my options from there after that.","start":2728.4102,"end":2739.9348,"sentiment":"neutral","sentiment_score":-0.06073838544468726},{"text":"Yep.","start":2751.66,"end":2752.16,"sentiment":"neutral","sentiment_score":-0.017568979412317276},{"text":"Yes.","start":2768.795,"end":2769.295,"sentiment":"neutral","sentiment_score":-0.05243640765547752},{"text":"Again, I'm not yeah.","start":2811.55,"end":2816.93,"sentiment":"neutral","sentiment_score":-0.19734959304332733}],"sentiment":"neutral","sentiment_score":-0.09670195785852578,"num_words":52,"start":2723.085,"end":2816.93},{"sentences":[{"text":"Sorry.","start":2816.99,"end":2817.49,"sentiment":"neutral","sentiment_score":-0.1741190254688263},{"text":"My dog my dog nearly we just had a call change come through, and my dog nearly got out.","start":2817.79,"end":2822.1099,"sentiment":"neutral","sentiment_score":-0.20918434466186323},{"text":"So so can you repeat that again for me?","start":2822.1099,"end":2826.655,"sentiment":"neutral","sentiment_score":0.01640866883099079},{"text":"I do apologize.","start":2826.655,"end":2827.395,"sentiment":"neutral","sentiment_score":-0.09275587151447932},{"text":"Yeah.","start":2839.0198,"end":2839.3398,"sentiment":"neutral","sentiment_score":0.03974839299917221}],"sentiment":"neutral","sentiment_score":-0.12846856897301745,"num_words":33,"start":2816.99,"end":2839.3398},{"sentences":[{"text":"I did.","start":2839.3398,"end":2839.9,"sentiment":"neutral","sentiment_score":0.05187232233583927},{"text":"So No.","start":2839.9,"end":2845.3398,"sentiment":"neutral","sentiment_score":-0.032657377421855927},{"text":"Yeah.","start":2845.3398,"end":2845.5798,"sentiment":"neutral","sentiment_score":-0.03372325375676155},{"text":"You're alright.","start":2845.5798,"end":2846.0598,"sentiment":"neutral","sentiment_score":-0.03328403155319393},{"text":"Sorry.","start":2846.0598,"end":2846.5598,"sentiment":"neutral","sentiment_score":-0.06608009338378906}],"sentiment":"neutral","sentiment_score":-0.015992690052371472,"num_words":8,"start":2839.3398,"end":2846.5598},{"sentences":[{"text":"Yeah.","start":2862.135,"end":2862.295,"sentiment":"neutral","sentiment_score":0.13238871097564697},{"text":"That's fine.","start":2862.295,"end":2863.115,"sentiment":"neutral","sentiment_score":0.19711148738861084},{"text":"Yep.","start":2885.825,"end":2886.325,"sentiment":"neutral","sentiment_score":-0.05483825132250786},{"text":"Yeah.","start":2895.89,"end":2896.39,"sentiment":"neutral","sentiment_score":0.14333228766918182},{"text":"Anything that's gonna get me anything that's going to allow me to increase growth on a on a quicker type basis, go for it.","start":2896.8499,"end":2906.39,"sentiment":"neutral","sentiment_score":0.22372106400628886}],"sentiment":"neutral","sentiment_score":0.2063590089051888,"num_words":29,"start":2862.135,"end":2906.39},{"sentences":[{"text":"Yeah.","start":2925.81,"end":2926.21,"sentiment":"neutral","sentiment_score":0.073323093354702},{"text":"Alright.","start":2926.21,"end":2926.71,"sentiment":"neutral","sentiment_score":0.08234260231256485},{"text":"So for someone at my age at 55, how much super should I have in there now, ideally?","start":2926.77,"end":2937.0151,"sentiment":"neutral","sentiment_score":0.051944993850257665},{"text":"Yes.","start":2946.595,"end":2946.99,"sentiment":"neutral","sentiment_score":0.07089626789093018},{"text":"Yeah.","start":2961.4148,"end":2961.7349,"sentiment":"neutral","sentiment_score":-0.06014572083950043}],"sentiment":"neutral","sentiment_score":0.05006482418287884,"num_words":22,"start":2925.81,"end":2961.7349},{"sentences":[{"text":"I'm not one of these non binary people, and I apologize if you are so.","start":2961.7349,"end":2966.9348,"sentiment":"neutral","sentiment_score":-0.1127794603506724},{"text":"I do apologize.","start":2966.9348,"end":2967.6748,"sentiment":"neutral","sentiment_score":-0.05890291680892309},{"text":"No.","start":2975.69,"end":2976.19,"sentiment":"neutral","sentiment_score":-0.060553181916475296},{"text":"No.","start":2980.57,"end":2981.07,"sentiment":"neutral","sentiment_score":-0.2904001474380493},{"text":"I'm I'm well, definitely one of these old schools.","start":2981.29,"end":2983.3699,"sentiment":"neutral","sentiment_score":-0.3211858007642958}],"sentiment":"neutral","sentiment_score":-0.17620779972138076,"num_words":29,"start":2961.7349,"end":2983.3699},{"sentences":[{"text":"I don't use pronouns or anything like that.","start":2983.3699,"end":2985.77,"sentiment":"neutral","sentiment_score":-0.2247131448239088},{"text":"I'm not a veiled then.","start":2985.77,"end":2987.15,"sentiment":"neutral","sentiment_score":-0.2101648360490799},{"text":"Yeah.","start":3004.11,"end":3004.27,"sentiment":"neutral","sentiment_score":-0.041280101984739304},{"text":"So, you know, I'm I'm way behind where I should be.","start":3004.27,"end":3009.97,"sentiment":"neutral","sentiment_score":-0.19091993163932452},{"text":"Yeah.","start":3053.655,"end":3053.895,"sentiment":"neutral","sentiment_score":0.291273295879364}],"sentiment":"neutral","sentiment_score":-0.18071751511440828,"num_words":26,"start":2983.3699,"end":3053.895},{"sentences":[{"text":"It should be on about 35 to 40 maybe.","start":3053.895,"end":3057.5398,"sentiment":"neutral","sentiment_score":0.16027205520206028},{"text":"She's a barista.","start":3057.5398,"end":3058.3599,"sentiment":"neutral","sentiment_score":0.12638403475284576},{"text":"No idea.","start":3068.0999,"end":3068.92,"sentiment":"neutral","sentiment_score":-0.16628047823905945},{"text":"No.","start":3074.3452,"end":3074.8252,"sentiment":"neutral","sentiment_score":-0.1971236765384674},{"text":"She she she no.","start":3074.8252,"end":3076.985,"sentiment":"neutral","sentiment_score":-0.0794101795181632}],"sentiment":"neutral","sentiment_score":0.05127764473620214,"num_words":19,"start":3053.895,"end":3076.985},{"sentences":[{"text":"She's got super, but I don't know the actual amount she's got.","start":3076.985,"end":3080.365,"sentiment":"neutral","sentiment_score":-0.12406816333532333},{"text":"She's probably working constantly for probably the last fifteen years.","start":3086.25,"end":3090.43,"sentiment":"neutral","sentiment_score":-0.08511751666665077},{"text":"So so she's 58.","start":3095.085,"end":3097.825,"sentiment":"neutral","sentiment_score":-0.0552333127707243},{"text":"She would possibly have, I don't know, 35, maybe 40 k in super, give or take.","start":3099.7249,"end":3105.345,"sentiment":"neutral","sentiment_score":-0.03832921665161848},{"text":"Yep.","start":3107.565,"end":3107.97,"sentiment":"neutral","sentiment_score":-0.006294359918683767}],"sentiment":"neutral","sentiment_score":-0.0739648419562294,"num_words":43,"start":3076.985,"end":3107.97},{"sentences":[{"text":"Yep.","start":3107.97,"end":3108.47,"sentiment":"neutral","sentiment_score":-0.005378653760999441},{"text":"Yep.","start":3115.2075,"end":3115.7075,"sentiment":"positive","sentiment_score":0.3957366943359375},{"text":"No.","start":3131.8052,"end":3131.965,"sentiment":"neutral","sentiment_score":-0.036436788737773895},{"text":"You're wrong.","start":3131.965,"end":3132.7852,"sentiment":"neutral","sentiment_score":-0.019804541021585464},{"text":"Not that far.","start":3139.98,"end":3140.96,"sentiment":"neutral","sentiment_score":-0.0783425693710645}],"sentiment":"neutral","sentiment_score":0.009910557710099965,"num_words":8,"start":3107.97,"end":3140.96},{"sentences":[{"text":"Yeah.","start":3156.195,"end":3156.5151,"sentiment":"neutral","sentiment_score":0.05239979177713394},{"text":"I do.","start":3156.5151,"end":3157.075,"sentiment":"neutral","sentiment_score":0.10730678588151932},{"text":"Yep.","start":3157.075,"end":3157.575,"sentiment":"neutral","sentiment_score":0.09809091687202454},{"text":"Mhmm.","start":3172.61,"end":3173.11,"sentiment":"neutral","sentiment_score":-0.04478451609611511},{"text":"Yep.","start":3204.06,"end":3204.56,"sentiment":"neutral","sentiment_score":0.1236775666475296}],"sentiment":"neutral","sentiment_score":0.07399955516060193,"num_words":6,"start":3156.195,"end":3204.56},{"sentences":[{"text":"No.","start":3219.54,"end":3220.02,"sentiment":"neutral","sentiment_score":-0.23343650996685028},{"text":"Not really.","start":3220.02,"end":3220.6602,"sentiment":"neutral","sentiment_score":-0.26405125856399536},{"text":"Not at this stage.","start":3220.6602,"end":3221.8801,"sentiment":"neutral","sentiment_score":-0.3279394209384918},{"text":"As I said, I'm more concerned about getting my my super balance higher.","start":3223.1401,"end":3228.2002,"sentiment":"neutral","sentiment_score":-0.16176470139851937},{"text":"I mean, I don't expect a 100 k jump in a year.","start":3229.3,"end":3231.86,"sentiment":"neutral","sentiment_score":-0.23822630445162454}],"sentiment":"neutral","sentiment_score":-0.21984229632653296,"num_words":32,"start":3219.54,"end":3231.86},{"sentences":[{"text":"Don't I don't expect that.","start":3231.86,"end":3233.445,"sentiment":"neutral","sentiment_score":-0.1949564665555954},{"text":"It's just just not how the market works works, and I'm not prepared to put everything in a in a high risk high risk sort of scenario, whereas, you know, I could lose a lot, and I don't wanna do that.","start":3233.445,"end":3244.425,"sentiment":"neutral","sentiment_score":-0.297471367731327},{"text":"You you did clarify some things for me.","start":3247.87,"end":3249.79,"sentiment":"neutral","sentiment_score":0.07310734689235687},{"text":"I didn't realize that if I wanted to, I could retire at 60 and and access super straight away.","start":3249.79,"end":3256.03,"sentiment":"neutral","sentiment_score":-0.034481677569841086},{"text":"I don't wanna do that because I don't have enough in there to to to live on, say, $20 a year.","start":3256.03,"end":3261.815,"sentiment":"neutral","sentiment_score":-0.25406966393902186}],"sentiment":"neutral","sentiment_score":-0.19762621756563795,"num_words":94,"start":3231.86,"end":3261.815},{"sentences":[{"text":"That's for sure.","start":3261.815,"end":3262.535,"sentiment":"neutral","sentiment_score":-0.09902512282133102},{"text":"So no.","start":3262.535,"end":3268.375,"sentiment":"neutral","sentiment_score":-0.11158259585499763},{"text":"No.","start":3268.375,"end":3268.535,"sentiment":"neutral","sentiment_score":-0.2115575671195984},{"text":"I'm not Dana, no.","start":3268.535,"end":3269.415,"sentiment":"neutral","sentiment_score":-0.22979414090514183},{"text":"I don't really.","start":3269.415,"end":3270.395,"sentiment":"neutral","sentiment_score":-0.23776968816916147}],"sentiment":"neutral","sentiment_score":-0.1818679811862799,"num_words":13,"start":3261.815,"end":3270.395},{"sentences":[{"text":"Yep.","start":3279.51,"end":3280.01,"sentiment":"neutral","sentiment_score":0.07976557314395905},{"text":"Yes.","start":3289.305,"end":3289.805,"sentiment":"neutral","sentiment_score":0.08136265724897385},{"text":"Yeah.","start":3314.1602,"end":3314.48,"sentiment":"neutral","sentiment_score":0.11926808953285216},{"text":"That's fine.","start":3314.48,"end":3315.3,"sentiment":"neutral","sentiment_score":0.25472045689821243},{"text":"That's yep, that, yeah, that that had been suspended for six months, I believe, because I hadn't I hadn't been looked after.","start":3315.76,"end":3327.335,"sentiment":"neutral","sentiment_score":-0.07987272773276675}],"sentiment":"neutral","sentiment_score":-0.0358282509777281,"num_words":27,"start":3279.51,"end":3327.335},{"sentences":[{"text":"So, yeah, that's fine.","start":3327.335,"end":3329.195,"sentiment":"neutral","sentiment_score":-0.10077721439301968},{"text":"Yes.","start":3349.605,"end":3350.105,"sentiment":"neutral","sentiment_score":0.2339699864387512},{"text":"That's fine.","start":3353.6848,"end":3354.505,"sentiment":"positive","sentiment_score":0.37666210532188416},{"text":"That's fine, Diana.","start":3372.07,"end":3373.11,"sentiment":"neutral","sentiment_score":0.2943117618560791},{"text":"Not a problem at all.","start":3373.11,"end":3374.33,"sentiment":"positive","sentiment_score":0.39747806787490847}],"sentiment":"neutral","sentiment_score":0.23030073096354803,"num_words":15,"start":3327.335,"end":3374.33},{"sentences":[{"text":"Not tomorrow.","start":3394.03,"end":3394.85,"sentiment":"neutral","sentiment_score":-0.03974154591560364},{"text":"Friday should be okay.","start":3395.95,"end":3397.33,"sentiment":"neutral","sentiment_score":0.09677871502935886},{"text":"Oh, even even can't do Monday.","start":3402.75,"end":3404.83,"sentiment":"neutral","sentiment_score":-0.0645138177399834},{"text":"Even Tuesday next week's fine.","start":3404.83,"end":3406.35,"sentiment":"neutral","sentiment_score":-0.006829913705587387},{"text":"That's that's not a problem.","start":3406.35,"end":3407.7148,"sentiment":"neutral","sentiment_score":0.060895033180713654}],"sentiment":"neutral","sentiment_score":0.008676111782816324,"num_words":22,"start":3394.03,"end":3407.7148},{"sentences":[{"text":"Yeah.","start":3410.7349,"end":3411.2349,"sentiment":"neutral","sentiment_score":0.0818779468536377},{"text":"Yep.","start":3411.4548,"end":3411.9548,"sentiment":"neutral","sentiment_score":0.091795414686203},{"text":"February two thirty your time?","start":3417.775,"end":3419.635,"sentiment":"neutral","sentiment_score":0.32505759596824646},{"text":"Yep.","start":3442.935,"end":3443.435,"sentiment":"neutral","sentiment_score":0.12537585198879242},{"text":"No.","start":3462.745,"end":3462.905,"sentiment":"neutral","sentiment_score":-0.2523682117462158}],"sentiment":"neutral","sentiment_score":0.18577433129151663,"num_words":9,"start":3410.7349,"end":3462.905},{"sentences":[{"text":"I'm away I'm away from the twenty third well, from the twenty second to the twenty ninth, so I'm happy for the and then I'm on holiday for the next two weeks after that.","start":3462.905,"end":3472.44,"sentiment":"neutral","sentiment_score":-0.1650079252088771},{"text":"So anytime from Monday, the thirtieth onwards.","start":3473.3198,"end":3475.42,"sentiment":"neutral","sentiment_score":0.07178754465920585},{"text":"Probably morning's fine.","start":3483.3198,"end":3485.26,"sentiment":"neutral","sentiment_score":0.15448026855786642},{"text":"Yep.","start":3508.74,"end":3508.98,"sentiment":"neutral","sentiment_score":0.30873411893844604},{"text":"That's fine.","start":3508.98,"end":3509.72,"sentiment":"positive","sentiment_score":0.5388098061084747}],"sentiment":"neutral","sentiment_score":-0.06931834271613588,"num_words":47,"start":3462.905,"end":3509.72},{"sentences":[{"text":"Mhmm.","start":3510.1,"end":3510.6,"sentiment":"neutral","sentiment_score":0.11115778982639311},{"text":"That's the end phone.","start":3534.97,"end":3536.1099,"sentiment":"neutral","sentiment_score":0.06759593170136213},{"text":"It's not a problem at all.","start":3536.17,"end":3537.63,"sentiment":"neutral","sentiment_score":0.2060476690530777},{"text":"No.","start":3549.2048,"end":3549.685,"sentiment":"neutral","sentiment_score":-0.12969842553138733},{"text":"Please.","start":3549.685,"end":3550.085,"sentiment":"neutral","sentiment_score":-0.035503510385751724}],"sentiment":"neutral","sentiment_score":0.11174043038716683,"num_words":13,"start":3510.1,"end":3550.085},{"sentences":[{"text":"I'm I'm I'm glad you did.","start":3550.085,"end":3551.765,"sentiment":"neutral","sentiment_score":0.26179394250114757},{"text":"So that's not a problem at all.","start":3551.765,"end":3553.7048,"sentiment":"neutral","sentiment_score":0.05340955299990518},{"text":"As I said, it's been over been over twelve months.","start":3553.925,"end":3556.44,"sentiment":"neutral","sentiment_score":0.16574066430330275},{"text":"It's been almost two years since my my last my last review.","start":3556.44,"end":3559.72,"sentiment":"neutral","sentiment_score":0.21065552781025568},{"text":"So I'm glad you did it.","start":3559.72,"end":3561.16,"sentiment":"positive","sentiment_score":0.5363628963629404}],"sentiment":"neutral","sentiment_score":0.2280019727058527,"num_words":41,"start":3550.085,"end":3561.16},{"sentences":[{"text":"So thank you.","start":3561.16,"end":3562.06,"sentiment":"positive","sentiment_score":0.507317841053009},{"text":"Yep.","start":3589.03,"end":3589.27,"sentiment":"neutral","sentiment_score":0.0891447365283966},{"text":"That's fine.","start":3589.27,"end":3590.01,"sentiment":"neutral","sentiment_score":0.17741039395332336},{"text":"Sounds good.","start":3600.435,"end":3601.075,"sentiment":"positive","sentiment_score":0.3639228045940399},{"text":"Thank you.","start":3601.075,"end":3601.815,"sentiment":"positive","sentiment_score":0.5434199869632721}],"sentiment":"positive","sentiment_score":0.37806046307086943,"num_words":10,"start":3561.16,"end":3601.815},{"sentences":[{"text":"Thanks, Danny.","start":3605.635,"end":3606.355,"sentiment":"positive","sentiment_score":0.38501913845539093},{"text":"You take care.","start":3606.355,"end":3607.255,"sentiment":"neutral","sentiment_score":0.3272369106610616},{"text":"Okay.","start":3608.115,"end":3608.615,"sentiment":"neutral","sentiment_score":0.1622382402420044},{"text":"Bye.","start":3609.555,"end":3610.055,"sentiment":"neutral","sentiment_score":0.1311306357383728}],"sentiment":"neutral","sentiment_score":0.292159697839192,"num_words":7,"start":3605.635,"end":3610.055}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Darren speaking.\n\nChannel 0: Hi, Darren. It's Dana from Okie Financial. How are you this afternoon?\n\nChannel 1: Good, Dana. How are you?\n\nChannel 0: I'm very well. Thank you. Thank you for asking. I had you booked in to go through an annual review today. Is now still a good time there for you?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yes. Fantastic. How's your day been so far?\n\nChannel 1: Yeah. Not too bad. I've just caught up in all my work, so which is good.\n\nChannel 0: Fantastic. That's always a good thing, and it's halfway through the week, so we're on our way to the weekend now.\n\nChannel 1: Yes. This is true too.\n\nChannel 0: Alright. All good, Darren. Before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Of course, I am. That's fine.\n\nChannel 0: Lovely. And just to do security there with you as well, we are discussing your personal information. So I'll just need to confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Yep. Darren Anthony Edwards. First the\n\nChannel 0: Yes.\n\nChannel 1: first nineteen seventy one.\n\nChannel 0: Yep.\n\nChannel 1: 6 Niagara Way in Werribee, Victoria 3030.\n\nChannel 0: Beautiful. Thank you so much for that. I had a bit of a look. I know you did speak to my colleague Samantha the other week to book in the review today. She did go through a bit of a fax line with you, which is fantastic.\n\nChannel 1: Yep.\n\nChannel 0: You had a couple of questions there about wanting to maybe look at trends as your retirement strategies and review your super as well. Is that right? Is there anything else that might be important to touch base on today?\n\nChannel 1: Primarily, that's it. I know that I just said to Sam last week that\n\nChannel 0: Yeah.\n\nChannel 1: soup has sort of been stagnant over the past three or so months and with not\n\nChannel 0: Yep.\n\nChannel 1: much movement. And, of course, I haven't even looked this week given what's been going on over in The Middle East. So I know soup has taken a hit, so\n\nChannel 0: Yeah. Yep.\n\nChannel 1: I sorta get it. I just wanna check want you to go through my strategy to see if I'm I'm I'm in the right sort of investments for what what's set up. That's all.\n\nChannel 0: Yeah. Yeah. That's okay. Not a problem at all. I did sorta have a look at few at things before the call.\n\nThere is definitely probably some advice to definitely update there for you. I know one of the things was you do have your Care Super insurances at the moment. So I'll start by just giving you an updated balance. We do send you a new review pack after the call as well, so I'll make sure you do get a copy of all these documents sent out to you to be able to review.\n\nChannel 1: Yep.\n\nChannel 0: But at the moment, having a look at your Super balance there, as of today's date, in Hub twenty four, we have a balance of 187,476 and 47¢. Within CareSafe today, a balance of $15,477.86. Having a look at the way the market has reacted and your portfolio over the last twelve months, now your return is lower at the moment. The return for the last twelve months for a whole in your portfolio is actually just over 1%. So it's 0.7 for the year, which is quite low.\n\nDefinitely not what we would have wanted. When I kind of run through all the individual investments and how they performed individually, most of them have done really well. So you do have, like, your Global Healthcare that is showing a little bit of a dip at the moment down about 6%. Your Vanguard conservative index fund is up over 6.48%. European and Asia exposure is up over 35% and about 6% there respectively.\n\nThe S and P 500 is up around that 7.89. Your battery and lithium tax done really well. It's the best performer. That's up over 65.49% for the year, which is good. And then the agriculture is up over 31.37% there.\n\nYour Bannalong Australian Equities is kind of what's really pulling your portfolio back a little bit. So Bennelong, when that was put into the portfolio, was there to give you some active management in there. Bennelong, as opposed to as part of their strategy, be updating their underlying investments within the funds there to sort of make sure they're invested in the highest quality. Bannalong, unfortunately, late last year and early this year, had a bit of an issue with one of their underlying investments. I'm not sure if you've seen in the news or not, but Corporate Traveler had come out in when they had disclosed the market, but it had been a bit dishonest to their investors there.\n\nThat\n\nChannel 1: Yep.\n\nChannel 0: unfortunately meant that Benelongs had to reevaluate Corporate Traveler as an investment, which meant that all of our analysts have gone back and reevaluated Benelong. In your portfolio as a whole, that is down by 18.35%. So that is what's dragging your portfolio down pretty heavily at the moment.\n\nChannel 1: Swap it at. Swap it\n\nChannel 0: We\n\nChannel 1: at.\n\nChannel 0: wanna get rid of it. Absolutely. Part of the review I wanna do today is to update the advice. We do wanna remove that from the portfolios now completely. As much as we don't realistically wanna be selling things when they are in a dip, it is important to take what we can out of there now.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: maneuvering the portfolio now, we can essentially take the fact that Van Along is down, and we can offset capital gains with the with the losses that Van Along has seen in your portfolio. So\n\nChannel 1: Mhmm.\n\nChannel 0: as a whole, I definitely wanna get rid of that. But I also wanted to have a chat to you a bit more about your other goals around the retirement aspect because you're 55 now.\n\nChannel 1: That's correct.\n\nChannel 0: Yes. And that's a good thing because you are getting closer and closer to those years where you might be considering accessing super. So we might have a look at reviewing the super, the portfolio for you, do an updated advice document, but then also look at the retirement aspect for you down the track and look at where this is taking you and what this looks like for your retirement years. Does that sound like something you'd be open to me doing?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. All good. So one of the things is we are definitely gonna get rid of Van Along there.\n\nChannel 1: That's fine.\n\nChannel 0: I will have a look at sort of what else is important with regard to investments. But is there anything that sort of piques your interest anywhere you would like to see your super mainly invested in or anything else you want us to maybe take advantage of or have a look at for you investment wise?\n\nChannel 1: Well, gold's always safe.\n\nChannel 0: Absolutely. I can see there's not any in here that I can see as a whole, so I will definitely have a look at some physical gold for you. Did you want me to look at some silver as well?\n\nChannel 1: Yep. So I know it's still not that I'm overly active, but, you know, I I watched the news\n\nChannel 0: Yeah.\n\nChannel 1: reports and the financial reports. I know silver's going through a surge at the moment as well.\n\nChannel 0: Yep.\n\nChannel 1: Copper, copper's\n\nChannel 0: Yep.\n\nChannel 1: always up there.\n\nChannel 0: Perfect.\n\nChannel 1: Probably more into the mineral side of it.\n\nChannel 0: Yep.\n\nChannel 1: So with the lithium and stuff, that's great. And\n\nChannel 0: Mhmm.\n\nChannel 1: that's that's always gonna stay where it is. So I'm I'm looking more at the mineral side of it, such as your gold, your silver,\n\nChannel 0: Yep.\n\nChannel 1: copper, all that type of stuff. And I know BHP shifted from iron ore into their copper side of their mining of of their so, yeah, the copper's a big one too. Copper's always in demand. So\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: I'm I'm happy for you to look at something like\n\nChannel 0: Yeah. Absolutely. I do definitely like a bit of gold and silver in a portfolio. They are both growth investments, but they do have that defensive capacity to them. So\n\nChannel 1: for me.\n\nChannel 0: when\n\nChannel 1: Yep.\n\nChannel 0: markets aren't doing so well and kinda looking at ways to, you know, reduce the risk level overall when, say, equities aren't performing as well, then people do tend to move money into gold and silver, particularly gold, but silver can work defensively as well. So I will\n\nChannel 1: Yep.\n\nChannel 0: definitely wanna put some of that in your portfolio, and I can have a look at what to do there. With regard to the copper, I can definitely have a look at what options are available, what might be available in Hub 24 for you, but it is also about making sure we're not overexposing you to growth assets and increasing the risk levels. And some of the copper\n\nChannel 1: Yep.\n\nChannel 0: asset can see\n\nChannel 1: Yep.\n\nChannel 0: increasing the risk. Did you want me just to focus on the gold and silver with\n\nChannel 1: Yeah.\n\nChannel 0: keep that\n\nChannel 1: It's\n\nChannel 0: defensive\n\nChannel 1: yeah.\n\nChannel 0: aspect? Or yep.\n\nChannel 1: If that's the case, yeah, do that.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I'm I'm I'm happy for you to do that. That's fine.\n\nChannel 0: Yep. Absolutely. I can do that. Not a problem at all. So as part of the research, I'll go back and have a look at everything.\n\nI'll come up with an advice piece to show you. It'll show you what we're recommending you, move your money into, how and why the advantages, disadvantages, and the risks involved, and then you get to just to tell me whether you're happy to take that or not. Does that sound like a plan?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Yep. Perfect. Fantastic. So that's just that side of things. But, overall, your portfolio is definitely up.\n\nSo as much as it's a much smaller return than we'd normally expect, it is good to see it isn't still a positive return there. I did also just pull up your, sorry, documents from the last annual review. So sorry, your last annual review, your balance then was about 162,000 in hub 24 and '18 in CareSoupers. So you have '24, whilst we have rolled some money in, has still had a bit of a benefit of growth over the last\n\nChannel 1: Yeah.\n\nChannel 0: year\n\nChannel 1: But\n\nChannel 0: as well there.\n\nChannel 1: well, my last annual review was if you have a look, was two years ago.\n\nChannel 0: '20\n\nChannel 1: Not\n\nChannel 0: 20\n\nChannel 1: last\n\nChannel 0: four.\n\nChannel 1: year.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: No. That's it.\n\nChannel 1: I didn't\n\nChannel 0: Yeah.\n\nChannel 1: have one at all last year because I got lost through lost through the gaps in the system. So\n\nChannel 0: Yeah. We'll make sure that that doesn't happen moving forward there for you. I do apologize. That's why I wanted to make sure we touch base today and really have a bit of a chat and see where things are going for you. And we can update that advice piece to sort of really give you an idea on where we're heading, where we're tracking, and what this looks like to help you along with your goals there.\n\nOkay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. Beautiful. Now looking forward at your goals there, when are you sort of hoping to be able to maybe retire, access your super? What would be what you\n\nChannel 1: Well,\n\nChannel 0: what are you after?\n\nChannel 1: I'm looking at probably something in the transition to into retirement, you know, around about 60 to 62 where\n\nChannel 0: Mhmm.\n\nChannel 1: more so during the the middle months of the year, I can, you know, drop the three days a week where\n\nChannel 0: Yep.\n\nChannel 1: the demand in my job is not as high.\n\nChannel 0: Yep.\n\nChannel 1: So that's something that I'm I'm I'm looking at. So\n\nChannel 0: Yep.\n\nChannel 1: looking at setting something up for that, you know, five years early would be great just to see\n\nChannel 0: Mhmm.\n\nChannel 1: where we sit and what's required\n\nChannel 0: Mhmm.\n\nChannel 1: of me at my end.\n\nChannel 0: Yeah.\n\nChannel 1: I'm also looking with my insurances through Hub. Can I set them up set up a death death insurance and all that type of stuff that I've currently still got in my CareSuper? I don't wanna ultimately, I would love to close down the CareSuper account, but it was left open when\n\nChannel 0: Yep.\n\nChannel 1: I came across the hub 24 because I've had surgery. And it's been three years since I had the surgery, so the existing\n\nChannel 0: Yep.\n\nChannel 1: issues are are gone.\n\nChannel 0: Yep.\n\nChannel 1: So that's what I'm looking at looking at just to basically that way, I'm not paying double fees, if you get what I mean.\n\nChannel 0: Yeah. Absolutely. So when we do sort of retain something like CareSoup, but we do only really wanna retain that for a period of time until we can either get new cover or you no longer need that cover because you are paying more in the way of fees. And if we can kinda consolidate everything into one place, you do have that benefit of more money makes more money. So I do definitely agree.\n\nWhat I would probably do is I just wanna maybe do a bit of a, have a really good look at your health side of things and do a bit of an updated pre assessment for you. After the call, I'll book in one of my lovely admin team to go through a bit of a pre assessment with you either later this week or early next week to kind of really get a guide for what kind of what you're after, what we're able to obtain when it comes to insurances.\n\nChannel 1: Yep.\n\nChannel 0: Are you wanting sort of life, TPD, and income protection like you have now, or is it just life? What's important to you with regard to the\n\nChannel 1: Well,\n\nChannel 0: insurances?\n\nChannel 1: probably life and t b d TPD are the two most important ones.\n\nChannel 0: Yep.\n\nChannel 1: I got the income protection just there just in case, you\n\nChannel 0: Yeah.\n\nChannel 1: know, I was off off work for any given time. But as I said to Samantha last week, I've got nearly two hundred and eighty hours in sick leave up my sleeve. So I've got I've got more on my sick leave than what I have in my long service leave. So\n\nChannel 0: Yeah.\n\nChannel 1: and with the qualifying period for PPD as an income, it's still a thirty day thirty to sixty day waiting period before you're eligible for it anyway. So you could be back\n\nChannel 0: Yeah.\n\nChannel 1: at work by that stage. So\n\nChannel 0: That's correct.\n\nChannel 1: I'm actually thinking of dropping that out of CareSuper now just thinking\n\nChannel 0: Mhmm.\n\nChannel 1: about it.\n\nChannel 0: Yep.\n\nChannel 1: But I'm looking I'm looking at a a a death benefit insurance of roughly around about the $3.50 to 400 that I've currently got in my care account.\n\nChannel 0: Okay.\n\nChannel 1: Same with CPD. So\n\nChannel 0: Yep.\n\nChannel 1: that's that's where I'm looking.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: if you add something happens to me, my wife gets with super as well as the death benefit, then that way I know she's okay for the foreseeable future, if you get what I mean.\n\nChannel 0: Yeah. Absolutely. Because with the death benefit you have there at the moment, now I've got down here that you've got no assets noted. So are you renting where you are at the moment?\n\nChannel 1: Yeah. We are.\n\nChannel 0: Yeah. How much rent are you paying on a regular basis?\n\nChannel 1: It's $18.47 a month. So you can\n\nChannel 0: Maybe\n\nChannel 1: round it\n\nChannel 0: 40\n\nChannel 1: up to 18\n\nChannel 0: fifty per\n\nChannel 1: 50.\n\nChannel 0: month. Yeah. That's okay. Because, realistically, that's one of the biggest things. If if you were to pass away prematurely, obviously, the the the rent still has to be paid, so your wife doesn't need to cover your rent continuously.\n\nChannel 1: Yep. Yep.\n\nChannel 0: That was $18.50 per month, wasn't it?\n\nChannel 1: That's correct.\n\nChannel 0: Yeah. Perfect. Just like to check that because rents are exorbitant in some areas.\n\nChannel 1: Yes.\n\nChannel 0: So, yeah, the rent would still definitely have to be paid. So you'd be comfortable with around about the 350 to 400,000 of life and TBD. Realistically,\n\nChannel 1: Yep.\n\nChannel 0: you don't feel there's any benefit to the income protection. You're happy to cancel that?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. What\n\nChannel 1: So\n\nChannel 0: I\n\nChannel 1: you\n\nChannel 0: can do\n\nChannel 1: can you can\n\nChannel 0: yeah.\n\nChannel 1: you do that on my behalf through Kegs? You've got access.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yep. Do\n\nChannel 0: What\n\nChannel 1: it.\n\nChannel 0: I would\n\nChannel 1: Yep.\n\nChannel 0: do is don't cancel it now. Wait till I update the advice for you. I will try and have the advice done really fast to make it easier on you. We'll go through it. You can see, obviously, the advantages, disadvantages, the risks involved.\n\nBut I also wanna make sure I can get new cover for you as well. I wanna make sure that the level of cover we can get is gonna give you what you're after. It's not gonna cost too much, but it's also not gonna eat away too much if you sleep. Because one of the really big things to consider is as we get older, the risk of us making a claim increases. So insurances do get more expensive as well.\n\nSo we'll go through this today. I'll get one of the teams to go through a a pre assessment questionnaire with you, get a bit more of an idea. Essentially, it's just more an in-depth question around your health, your past health, what that looks like, and then I can do the research on the insurances, research the super, research the portfolio, and see where this is taking us there. Are you okay with that?\n\nChannel 1: Yeah. Confirm.\n\nChannel 0: Yep. Beautiful. I wanna make sure we do this properly for you. So I wanna make sure that you can get cover what that looks like, but I wanna make sure your super is also working for you as well. There's no point having insurances if it's just gonna eat away all of your super and provide no benefit later on down\n\nChannel 1: Yep.\n\nChannel 0: the track. So, yep.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: on the and the reason why I asked this, we recently lost my brother-in-law.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: I'm so sorry.\n\nChannel 1: and it was sudden. So in\n\nChannel 0: Yeah.\n\nChannel 1: a hypothetical scenario, if\n\nChannel 0: Yes.\n\nChannel 1: something something happened to me,\n\nChannel 0: Yes.\n\nChannel 1: how quick could my wife access super\n\nChannel 0: Yep.\n\nChannel 1: after I pass away? Like, for in in emergency circumstances, like, to cover my funeral and stuff like that.\n\nChannel 0: Yep. So with that, as long as she gets the death certificate and is the executor yeah. Is the executor of his state and gets a death certificate and everything straight away,\n\nChannel 1: Yeah.\n\nChannel 0: The assessment can be done on super. I have done seen super and life insurance assessments done within, say, forty eight to seventy two hours. They\n\nChannel 1: Yep.\n\nChannel 0: can be done faster, but it does depend upon the assessment and, obviously, the the backlog with the insurance company. Now one of the other things to consider is with life insurance held inside Super, you don't get access to, like, an up up front lump sum benefit to pay for funeral costs. You have to wait for that money to come down.\n\nChannel 1: Yes.\n\nChannel 0: If you were to, say, hypothetically pass away, does do you guys have access to enough money to, say, cover the cost of a funeral or something\n\nChannel 1: No.\n\nChannel 0: like that? No.\n\nChannel 1: No.\n\nChannel 0: So she would need money fairly quickly to help that that\n\nChannel 1: Yep.\n\nChannel 0: sort of cover. Yep. There are depending on kind of what your expenditure looks like, there are ways to set up, like, funeral bonds and things like that that can pay out. In saying that, if once you turn 60, you have access to all of that money if you decide to retire. So we could always, you know, take a bit of money out.\n\nChannel 1: Yep.\n\nChannel 0: But the way it is structured at the moment, it can take a couple of days to a week to have that paid out. Essentially, once the assessment is completed, the money is paid out very, very quickly. It can be drawn out as super, very fast to your beneficiary, but it does take that initial assessment. So it's about just sort of looking at how you guys might have to fund the funeral. Do you have money to fall back on?\n\nWould she have to maybe access some savings or ask a friend? What do you think what would\n\nChannel 1: No.\n\nChannel 0: she\n\nChannel 1: We\n\nChannel 0: have to do in that scenario?\n\nChannel 1: we'd have to ask family to help out\n\nChannel 0: Yeah. Okay.\n\nChannel 1: in the short in the\n\nChannel 0: Do\n\nChannel 1: short term.\n\nChannel 0: yeah. Do you have much in the way of expendable income that you are able to maybe invest elsewhere to set up, like, a funeral\n\nChannel 1: No.\n\nChannel 0: policy or something? Nothing?\n\nChannel 1: No. No.\n\nChannel 0: Okay.\n\nChannel 1: I mean, I'm I'm\n\nChannel 0: Right.\n\nChannel 1: the way we work in here is that I'm the I'm I'm the primary income earner. So\n\nChannel 0: Yeah.\n\nChannel 1: I I cover all the rent to build and all that type of stuff, and my wife's,\n\nChannel 0: Yeah.\n\nChannel 1: know, my wife probably works between twenty and thirty hours a week, and that\n\nChannel 0: Yeah.\n\nChannel 1: covers shopping and stuff like that. So\n\nChannel 0: Okay.\n\nChannel 1: it it's\n\nChannel 0: Yeah.\n\nChannel 1: we have very limited savings.\n\nChannel 0: Yep. Okay.\n\nChannel 1: We're we're,\n\nChannel 0: What\n\nChannel 1: like,\n\nChannel 0: are\n\nChannel 1: one\n\nChannel 0: the\n\nChannel 1: of many thousands and thousands of people who live paycheck to paycheck, unfortunately.\n\nChannel 0: that that is completely understandable. Another thing I'm just sort of looking at the options wise is with the life insurance, if I was to maybe draw up a bit of a quote and maybe recommend just a small portion of that life cover we paid outside of super, that can, in the event of death, provide, like, a lump sum benefit paid down for a funeral that can be paid out generally within twenty four hours once the death certificate has been provided to the insurer. If I was to maybe get a quote ahead of time to look at what that might look like for you, would you like\n\nChannel 1: Yep.\n\nChannel 0: to see that, or do you just want me to add that into the recommendation to sort of show you what this looks like to give you a backup option in the event of\n\nChannel 1: Yeah. Because it wouldn't I probably wouldn't need more than say 10 or $15\n\nChannel 0: passing.\n\nChannel 1: put aside.\n\nChannel 0: Yep.\n\nChannel 1: So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I'm happy to put it in a in a recommendation. Yeah.\n\nChannel 0: Yep. Perfect. And the way we sort of look at this is that with the life cover, most of it would be paid in side super. So you have the benefit of not having to pay\n\nChannel 1: Yep.\n\nChannel 0: the premiums out of your back pocket there. But it's normally in a very small portion, and it's called flexi linking. And, essentially, a small portion paid out of your back pocket, normally, that sort of two to 5% there.\n\nChannel 1: Yep.\n\nChannel 0: And the same thing comes with TBD. So the other thing to look at is with TBD, in order to be able to claim on that inside super, you have to meet in any any debt occupation definition. So you have to be able to never go back to work again for any occupation for which you are trained, educated, or have worked. So you\n\nChannel 1: Yep.\n\nChannel 0: can understand it's a pretty hard definition to claim on. If you were to if I was to structure this, so a small portion of your life NTPD, it could be very cheap. I'll make sure it's the most minimal cost possible is paid out of your pocket. You can access an own definition. That means that if you were TBD'd, you would only have to they look at the Antioch patient definition first.\n\nBut then if you don't meet that, they look at what you were doing prior to the disability, and it's much easier to claim on not being able to go back to your occupation prior to disability rather than any occupation\n\nChannel 1: Yeah.\n\nChannel 0: you've ever worked or trained. Does that kind of make sense?\n\nChannel 1: Yeah. It does. I mean, primarily, I've got the TPD because I'm an account manager, and I'm on the road a bit.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And I can control what happens inside my vehicle, but I can't\n\nChannel 0: Yeah.\n\nChannel 1: control what happens outside my vehicle,\n\nChannel 0: Absolutely.\n\nChannel 1: you know, and stuff like that. So if something happens to me and I end up with a touch would never happen, but, you know, I've gotta\n\nChannel 0: Yeah.\n\nChannel 1: think of these sorts of things. If if I end up with an injury where I I'm incapacitated enough where I can't\n\nChannel 0: Mhmm.\n\nChannel 1: go back to work, then\n\nChannel 0: Yeah.\n\nChannel 1: in in my proper role and my employer has to refine my role, then well,\n\nChannel 0: Yes.\n\nChannel 1: that's why I took out the TPD. So\n\nChannel 0: Yep. Yep. That's cost effective as possible to\n\nChannel 1: yep.\n\nChannel 0: limit the effect, but make sure that you have maybe a small amount of them paid outside of super. Limit the cost as much as possible to maximize the benefit in the event that you're having to claim. Does that sound\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: you would set up something like an offset account where money would go into that type of account where it can be accessed outside of super. Correct? Is that how is\n\nChannel 0: Halfway.\n\nChannel 1: that\n\nChannel 0: No. No. It's all good. No. Not quite.\n\nSo what this is, essentially, with the life and TPD side of things, it's structured so the super fund pays for majority of the premiums.\n\nChannel 1: but\n\nChannel 0: A\n\nChannel 1: yes.\n\nChannel 0: small portion, generally around about three to 5%, would be paid out of your bank account, your credit card, or however you would wanna pay the premiums. That out of pocket cost comes out of your card or bank account on a monthly basis or weekly, however you wanna structure\n\nChannel 1: Yep.\n\nChannel 0: it. It's\n\nChannel 1: Yep.\n\nChannel 0: a smaller cost. Most of it's paid out of super, but that small premium paid outside of super out of your bank account or credit card, that allows you to access this additional benefits that aren't available to policies held\n\nChannel 1: Okay.\n\nChannel 0: solely inside Super. Does that make sense? Sorry.\n\nChannel 1: It does it does now. Yep.\n\nChannel 0: Yeah. That's okay. That's all good. It's really good to kinda clarify these things. I also try to be as on the like, as on point and be as honest with you as possible.\n\nAnd I have to let you know, I don't know if anyone's ever told you before, but if you were to claim TPD and you claim under the age of 60, TPD is actually a taxable payment. So the amount you are covered for isn't necessarily how much you're going to get.\n\nChannel 1: No. I was\n\nChannel 0: The\n\nChannel 1: never aware of that. So there you\n\nChannel 0: I'm\n\nChannel 1: go.\n\nChannel 0: so sorry. Essentially, with TBD, if you claim TBD and you're under the age of 60, you your super gets released well because we claim incapacity against your super. So everything is released, which is fantastic. However,\n\nChannel 1: Yeah.\n\nChannel 0: if you're under the age of 60, tax is actually on the TBD payout. It's on the taxable component inside super, and it's up to 22% depending on a few factors. They have a fund math equation that looks at your age that you're claiming versus the age of 65. They look at how much is in your taxable versus tax free components. There are things that we can do.\n\nSo if you were to claim on TBD, I would say come and see me. Let's do advice. We can look at ways to reduce or minimize that tax component. That way, you know, you might be getting an income stream and taking smaller amounts on a regular basis. We can do uplifts and all sorts of fun things to kinda help reduce that tax side of things.\n\nSo I just have to let you know tax is paid on TPD. Did you want me to look at ways to, like, factor in the tax, the 22%, or just look at that $3.50 to 400,000 and not sort of worry about the tax when we deal with that if and when at the time of claim? What do you think? And be honest.\n\nChannel 1: No.\n\nChannel 0: Sorry. Everyone hates the tax side of things, and I I think it's wrong that tax should be on a TBD claim. If you can't work due to disability, you should not be paying tax on that money. It's wrong.\n\nChannel 1: That's just bizarre.\n\nChannel 0: It\n\nChannel 1: So,\n\nChannel 0: is.\n\nChannel 1: you know, based on $3.50, I'm getting gonna get taxed, you know, over $70 of it. So\n\nChannel 0: Yep. It does reduce the amount that you're able to claim on. I can look at trying to bump it up to account for the 22% tax so that the amount you get paid is at 300 so $3.50 to 400 after the tax is considered, which gives you a a higher amount. It's up to you. I can work it either way.\n\nI also wanna make it cost effective and not too expensive because they do get more expensive as life goes on. So I wanted to find out more about what you're wanting.\n\nChannel 1: I'm almost tempted to get rid of it altogether. It's that hard. Boy.\n\nChannel 0: Did you want me just to look at those $35,400,000 knowing that we can obviously, if you did have to claim, this is a kind of a worst case scenario because you may never have to claim as\n\nChannel 1: Yep.\n\nChannel 0: well.\n\nChannel 1: I know what you're saying.\n\nChannel 0: We just\n\nChannel 1: Yeah.\n\nChannel 0: keep it keep it cost effective for now. And if you had the claim, then we do everything we can advise wise to minimize the tax consequences for you.\n\nChannel 1: Alright. You can do that.\n\nChannel 0: Yeah? Okay. Cool. No worries at all. Perfect.\n\n$3.50 to 400. Lovely. Yeah. I honestly do disagree with that. It's one thing I don't like about the system is the tax side of things.\n\nI think if you're disabled and can never go back to work again, the last thing they should be doing is taxing you on it. It's not fair in any way, shape, or form.\n\nChannel 1: No. I don't get taxed on food, do\n\nChannel 0: On the super\n\nChannel 1: I?\n\nChannel 0: component for disability?\n\nChannel 1: Yeah. But so no. Well, my\n\nChannel 0: You're\n\nChannel 1: my\n\nChannel 0: right.\n\nChannel 1: wife won't get taxed on the super, will she?\n\nChannel 0: For the death benefit? No.\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: Okay.\n\nChannel 0: So with the death benefit, if you were to pass away and your spouse is your beneficiary, she receives\n\nChannel 1: Which she\n\nChannel 0: the\n\nChannel 1: is.\n\nChannel 0: benefit\n\nChannel 1: Yep.\n\nChannel 0: tax free. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: She meets the definition under both the CIS Act and the tax act. So, no, she can receive the full benefit tax free if you pass away. Absolutely. Yep.\n\nChannel 1: Alright. And on\n\nChannel 0: Yep.\n\nChannel 1: the actual super component itself, on the super\n\nChannel 0: So\n\nChannel 1: balance itself, would would you\n\nChannel 0: if\n\nChannel 1: get text on that?\n\nChannel 0: for you passing away, no.\n\nChannel 1: Yeah.\n\nChannel 0: Death benefit\n\nChannel 1: Okay.\n\nChannel 0: is completely tax free. And the same with the life insurance. It's just the TBD. It's\n\nChannel 1: Yep.\n\nChannel 0: just total permanent disability because that's you claiming and you're still technically alive. If you TPD'd and you're\n\nChannel 1: Yep.\n\nChannel 0: over 60, then it's fully tax free. There's no tax consequences on that. So yeah. But\n\nChannel 1: Alright.\n\nChannel 0: the life benefit paid out on death to your spouse is tax free. That's a life insurance and the super component. Okay?\n\nChannel 1: Okay. Cool.\n\nChannel 0: Does\n\nChannel 1: Yep.\n\nChannel 0: that clear it up? Does that make it a bit clearer for you?\n\nChannel 1: Yeah. So I'm I'm I'm\n\nChannel 0: Yep.\n\nChannel 1: worth about 600 to my wife if I pass away.\n\nChannel 0: Yeah. Look. You're probably worth more a lot a lot more alive, and that's what we\n\nChannel 1: Yeah.\n\nChannel 0: wanna focus on. But yes.\n\nChannel 1: I I get that. But and I would just like to yeah. So as long\n\nChannel 0: Yeah.\n\nChannel 1: as you set up, that's fine. That's\n\nChannel 0: Yes.\n\nChannel 1: that's what I needed to know.\n\nChannel 0: Yep. Yep. That's absolutely fine. Let leave that with me. I'll go back and have a look at everything I can, make it cost effective, make sure it's working for you.\n\nI'll update the advice document to reflect all of this for you, then you'll get to see what my recommendations are, the advantages, the disadvantages, and the risks involved, and then you get to tell me whether you take all of them, some of them, or none of them. It's completely your decision. Okay.\n\nChannel 1: Okay. Yep. That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Perfect. Lovely. I'm sorry that I'm telling you things that you've probably never heard of before. I just\n\nChannel 1: No.\n\nChannel 0: wanna make sure. I like to be honest and make sure you're fully aware\n\nChannel 1: It's\n\nChannel 0: of what you have, how it works, what you can claim on,\n\nChannel 1: alright.\n\nChannel 0: things like that. So\n\nChannel 1: No.\n\nChannel 0: yeah.\n\nChannel 1: That's that's fine. And, honestly, and seeing it all in writing will give me a little bit more clarity as well.\n\nChannel 0: Absolutely.\n\nChannel 1: I I'll I'll be able to absorb it and take it all in, so that's\n\nChannel 0: Yeah.\n\nChannel 1: fine.\n\nChannel 0: No. Perfect. All good. And you're comfortable with me making the recommendation to cancel the income protection? You've got plenty of leaves there.\n\nThe income protection\n\nChannel 1: Yep.\n\nChannel 0: is not any concern to you.\n\nChannel 1: Not\n\nChannel 0: Yep.\n\nChannel 1: not\n\nChannel 0: Perfect.\n\nChannel 1: anymore. You you can get rid of that. Not of the care,\n\nChannel 0: Excellent.\n\nChannel 1: but that's fine.\n\nChannel 0: All good. There is one other type of insurance I just have to talk to you about. It's called trauma. I don't know if anyone's ever spoken to you about what trauma is. Trauma tends to pay out a lump sum tax free benefit if you were diagnosed with, say, a heart attack, a stroke, certain neurological conditions, cancer is probably the biggest one.\n\nChannel 1: Yep.\n\nChannel 0: You can't hold trauma inside, super. It is fully out of your back pocket, and I know money can be a bit tight. You guys live pay week to pay week. Did you want me to look at maybe making a recommendation for trauma, or you're happy just to focus on the life and TB, not interested in anything more?\n\nChannel 1: Make a recommendation. I can always\n\nChannel 0: Yep.\n\nChannel 1: say no.\n\nChannel 0: Yeah. Absolutely can. Most definitely. Most people want to look at and look, it's different for everyone because trauma can be it's a tax free lump sum benefit payment in the event of one of these diagnoses. Some people just want, like, one year's worth of living expenses.\n\nIt gives them time to take one year off. Some people maybe want two or three years worth of income. What do you wanna see just to begin with this advice case for trauma? Just one year's worth of gross\n\nChannel 1: Yes.\n\nChannel 0: income or net income. Yeah?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: That'll\n\nChannel 0: Perfect.\n\nChannel 1: work.\n\nChannel 0: I'll acts perfect. I'll show you what it looks like, the cost of it, how it affects you, and then you can tell me whether you decide to take that or not. Okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. I've got down here that you don't have any assets noted, any cars or anything that might have value.\n\nChannel 1: No. Not not not at this stage, mate.\n\nChannel 0: Nope. That's okay. One thing we do like to take into account and is really important to consider is contents. Do you guys have contents insurance?\n\nChannel 1: Yeah. No. We\n\nChannel 0: Yep.\n\nChannel 1: don't. I did have in the past, but then it was an expense that we couldn't afford to keep\n\nChannel 0: Oh, I'm so sorry. When we do sort of look at the retirement aspect and Centrelink and things like that,\n\nChannel 1: paying.\n\nChannel 0: we do need to take into account assets. So would would you put a value on your contents, or are you happy with me just I normally work on, like, five or 10000% link assessments for content. Are you happy for me just to use that?\n\nChannel 1: No. You can probably up it to around about 25.\n\nChannel 0: Yep. Perfect. Excellent. And no collections, no tools, or or, you know, no jewelry\n\nChannel 1: No.\n\nChannel 0: or anything that might\n\nChannel 1: No.\n\nChannel 0: be\n\nChannel 1: Probably\n\nChannel 0: of value? Nope. That's\n\nChannel 1: that probably trade range with jewelry, I guess.\n\nChannel 0: yep. That's okay. Perfect. Thank you for updating that for me. Credit cards and debts or anything big like that, do you have personal loans, credit cards, or buy now,\n\nChannel 1: I've\n\nChannel 0: pay\n\nChannel 1: got\n\nChannel 0: laters?\n\nChannel 1: no. I've got a $15 credit card.\n\nChannel 0: Yep.\n\nChannel 1: That one\n\nChannel 0: And\n\nChannel 1: for that sitting at about 14 miles, so there you\n\nChannel 0: okay.\n\nChannel 1: go.\n\nChannel 0: Perfect.\n\nChannel 1: Other than that,\n\nChannel 0: I'll\n\nChannel 1: there's\n\nChannel 0: have to.\n\nChannel 1: no other debts.\n\nChannel 0: Yep. Perfect. Thank you for updating those details there for me, Darren. The other thing to think about, I can see here you just haven't had a will or power of attorney drawn up. Have you guys talked about doing\n\nChannel 1: Yep.\n\nChannel 0: any of that?\n\nChannel 1: We have.\n\nChannel 0: Yep.\n\nChannel 1: We just haven't done it.\n\nChannel 0: No. That's understandable. As part of the recommendations, I do always look at the estate planning side of things for you as well. You did mention that, obviously, you want your super and your life card to be paid out to your wife in the event that something does happen. I'm just checking.\n\nI've got Tanya down as your wife's name. Is that right?\n\nChannel 1: That is correct. And I\n\nChannel 0: Yep.\n\nChannel 1: think she's is it nonbonding or bonding beneficiaries from memory?\n\nChannel 0: I'm just logging in to hub 24 to check that for you because we do wanna that is another factor to kind of take into account.\n\nChannel 1: Mhmm. I think it's\n\nChannel 0: But just\n\nChannel 1: I think\n\nChannel 0: while\n\nChannel 1: it's bonding the\n\nChannel 0: yeah. That's okay. Sorry. Two seconds. Two factor authentication.\n\nMhmm.\n\nChannel 1: memory.\n\nChannel 0: Security measures are crazy sometimes. There we go. Beautiful. The with the will and the estate planning side of things, it is definitely a conversation to have. If you like, I can get one of my beautiful admin team to send you an email with some details on a local source so that we can refer you to.\n\nIt's not a referral. It's just some information and a bit of a costing on how much it costs to do a will with them just to sort of start the conversation between\n\nChannel 1: Yep.\n\nChannel 0: yourself and Tanya. Did you want\n\nChannel 1: Do\n\nChannel 0: me to\n\nChannel 1: it.\n\nChannel 0: organize\n\nChannel 1: Yep.\n\nChannel 0: that for you? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. And just looking at your beneficiary nomination now, the good thing is it is here a 100%, Tanya. We love that. It is a non lapsing binding.\n\nSo correct binding binds to trust you to follow your direction, and non lapsing means you don't have to fill out the form again. It stays in place until you revoke that nomination, so you're happy for that to stay as it is.\n\nChannel 1: I am.\n\nChannel 0: Yeah.\n\nChannel 1: Can you I'm pretty sure I've got care my care suite is set up the same as well. I'm\n\nChannel 0: I\n\nChannel 1: happy\n\nChannel 0: would\n\nChannel 1: for you to log in and check that.\n\nChannel 0: that's cool. I can't log in to CareSoup at the moment, but we do have an authority. So I will go back after the call and just double check that it is all in place. And if it's not, I'll make a recommendation to update that for you. Okay?\n\nChannel 1: Yep. And I'm happy for you to transfer $5 across too.\n\nChannel 0: Yep. Perfect. So with that, I will hold off on transferring the $5 now. I'll do it when we update the advice.\n\nChannel 1: Yep.\n\nChannel 0: So I should be able to have the advice ready for you in about two weeks. After the call, I can book you back in for the advice piece to be presented. We can come back and look at that, and then I can organize that additional rollover for you and everything else. Is that okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Beautiful. Everything else looks like it's pretty well on par here. I've got Tanya down as your next as Kim, which is fantastic. Retirement age, do you know I know we talked about the the trends with your retirement strategies just before, and you wanted to look at how that looks for you at the moment.\n\nWith a TTR strategy, we kind of can't put that in place now. We'll have to wait until just before you turn age 60 just because we have to work on the income you have then, the super balance you\n\nChannel 1: Yep.\n\nChannel 0: have then, how much we there's a kind of a lot to it. Are you happy if I just focus on this now? I can still look at how this affects your retirement moving forward, but we just make future considerations to reassess the TTR strategy down the track. Is that okay with you?\n\nChannel 1: Yes. That's four.\n\nChannel 0: Yeah. Beautiful. Otherwise, I'm doing up a whole big strategy TTR wise. And with balance changes, with income changes, it all changes down the track. So we'll have to redo it again anyway.\n\nSo we'll focus on this part. I can still look at what this looks like in retirement and give you, you know, an ongoing projection to see how how things affect you long term, and then we'll make a future consideration to come back and redo that TTR side of things for you when you're nearly 60. Okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Beautiful. Now the when I am looking at long term at the retirement aspect, what age do you think you sort of said between sort of 60 to 62 doing the TTR strategy. Are you wanting to stop working fully at 62, or what age do you think you're gonna stop working fully?\n\nChannel 1: At this stage, probably, it will be retirement age, so I don't think I'll have enough super.\n\nChannel 0: What age do you think that is that\n\nChannel 1: No. It'd be\n\nChannel 0: gonna\n\nChannel 1: I'm\n\nChannel 0: be?\n\nChannel 1: probably probably 67.\n\nChannel 0: 67? Yep. Perfect. So just so you're fully aware, age 67 is the age we're eligible to access the age pension. Under\n\nChannel 1: Yep.\n\nChannel 0: the current legislation, retirement age is actually age 60 for your super if you decide to stop working fully then. So you can retire at 60, access your super fully tax free. At\n\nChannel 1: Yep.\n\nChannel 0: age 65, regardless of whether you're working or not, Darren, they're gonna make it unperserved, unrestricted. So if you come to me in 60 at 65 and go, hey. I just wanna buy a new car. I need this much money. You can draw that out of super.\n\nNo questions asked. It will be fully, unpreserved\n\nChannel 1: Yep.\n\nChannel 0: and tax free. And then at age 67 is when you're, if eligible, access the age pension. So as part of this strategy, I'll look at your retirement at age 67, look at what we expect based on these recommendations there. I'll also I can also factor in some Centrelink to see if maybe you'll be eligible for Centrelink down there and look at what the longevity asset looks like for you. Happy\n\nChannel 1: So\n\nChannel 0: with that? Does that sound okay?\n\nChannel 1: yeah.\n\nChannel 0: Yeah?\n\nChannel 1: But yeah. That's fine. So you're telling me that I can actually technically retire at 60 and access my super from\n\nChannel 0: Yeah.\n\nChannel 1: 60 onwards.\n\nChannel 0: Yeah. Absolutely. Most definitely.\n\nChannel 1: Yeah. It's probably it's probably not enough in my super to be able to cover my current lifestyle.\n\nChannel 0: That's okay. We can\n\nChannel 1: My current\n\nChannel 0: work\n\nChannel 1: my\n\nChannel 0: on\n\nChannel 1: current\n\nChannel 0: that.\n\nChannel 1: income. Sorry.\n\nChannel 0: Yep. That's okay. Are you wanting to draw down that in retirement, the 95,000, keep that going?\n\nChannel 1: What? Yeah. Probably at this stage.\n\nChannel 0: Yep.\n\nChannel 1: I mean,\n\nChannel 0: Yep.\n\nChannel 1: it's just gonna vary on\n\nChannel 0: Yep.\n\nChannel 1: on what I need to do because I know being in that Gen X that we are, that I am, I I knew I'd I'd be eligible for the age pension. It's more\n\nChannel 0: Mhmm.\n\nChannel 1: so my my daughter and her kids and and so forth as as they get older where they don't wanna pay a pension at all. They just want you to use your super. So\n\nChannel 0: Yep. Yep. No. I understand that. It's it's gonna be difficult.\n\nI'm 41. This year, I've just turned 41. And looking forward, I can't access super to the age of 60, and I'm doing everything I can to put money into super. I\n\nChannel 1: yep.\n\nChannel 0: fully understand that the age pension won't disappear completely, but how it's going to be paid in the next twenty to thirty years is gonna have a huge aspect because\n\nChannel 1: Yeah. Well, then\n\nChannel 0: For\n\nChannel 1: that's that's\n\nChannel 0: what?\n\nChannel 1: that's also a concern as well. So\n\nChannel 0: Yep.\n\nChannel 1: I know for a fact that, you know, with my mother on the age pension and stuff like that, in\n\nChannel 0: Yeah.\n\nChannel 1: another ten or twelve years time, just the way it's all set up and everything like that, it won't be anywhere near as much because they want the Gen Xs to rely on their super more and just have\n\nChannel 0: Correct?\n\nChannel 1: the pension to top up\n\nChannel 0: Mhmm.\n\nChannel 1: your your in\n\nChannel 0: Yep.\n\nChannel 1: your income. That\n\nChannel 0: Yep.\n\nChannel 1: I know. And that's where my concern is of being able to\n\nChannel 0: Yeah.\n\nChannel 1: sort of have the balancing act of both as we get\n\nChannel 0: Yeah.\n\nChannel 1: older. So\n\nChannel 0: Yep. Absolutely. Most definitely. Well, I can factor that into your advice piece for you and show you what the expectation looks like and, you know, where we're going with this at the moment based on these current recommendations. So you've got a little bit of a guide as to what we're looking at.\n\nAnd then as we get closer and closer to that, we can just keep reviewing it. And then when we get to 60, we can look at a TTR and see if that provides a greater longevity and a greater, you know, benefit to you. Okay?\n\nChannel 1: Yep. Alright.\n\nChannel 0: Yep. Perfect. All good. One of the things I do here is a lot of the retirement aspects. So I spend all day talking about retirement advice, talking about looking at age pension, things like that.\n\nSo you're welcome to come and ask me anything you might have. You're welcome to talk to me about those sort of things, and I'll make sure I factor a lot of that into the advice piece for you so you get a bit of a guide on what we're looking at instead of just focusing on super, just the accumulation. This is sort of showing you a little bit of what that looks like when you get to the end of that tunnel there. Okay?\n\nChannel 1: Alright. Cool.\n\nChannel 0: Perfect. All good. Is there anything else in the next sort of three to two you know, sort of one to two to three or even five years goal wise that you might be focusing on or that you might wanna achieve.\n\nChannel 1: Yeah. I'd love I would love my super balance to be another 100 odd k more than what it is.\n\nChannel 0: Yep. Yep. That's okay. Another 100. Okay.\n\nChannel 1: If not more,\n\nChannel 0: Yeah. Absolutely. Let's aim\n\nChannel 1: which\n\nChannel 0: for the moon.\n\nChannel 1: and that way, it gives me the ability to be able to go to the the transition to retirement, whereas I said to you before, that at 60 or 61, 62, I can look at working three\n\nChannel 0: Yep.\n\nChannel 1: days a week in the middle part of the year and stuff like that and not lose any income where I can just have my super top up my my weekly wage, if you get what I mean.\n\nChannel 0: Yeah. Absolutely. Well, we'll definitely work on that for you. I'll see what I can do. I'll have a look at just not just the Benelon in your portfolio, but I'll have a look at all the different options for portfolio sides of things and\n\nChannel 1: Yep.\n\nChannel 0: make it a recommendation to update that to see, you know, what's better performing what might help you out, making sure that we're not overexposing you at the same time. Okay?\n\nChannel 1: Alright. That's\n\nChannel 0: Beautiful.\n\nChannel 1: fine.\n\nChannel 0: Excellent. The last thing I just wanted to run through is a bit of a risk profile questionnaire as well just to kinda gauge what sort of portfolio you should be in and whether we should be starting to reduce your risk level a little bit or not. The first one here is just asking, have you ever invested in direct shares or managed fund in your own name before? Have you in ever invested outside of Super?\n\nChannel 1: Not all I have at night.\n\nChannel 0: Nope. That's okay. The next question here is essentially asking, what sort of risk are you willing to take to try and get those greater returns knowing we do have the ups and downs in the market at the moment? Do you feel like you're more comfortable taking on a higher level of risk to get greater potential returns, or are you a bit more medium? You still want the best returns you can, or you're not wanting to take any risk in the market and you wanna get the best returns you can for that level?\n\nChannel 1: I'm probably in between medium to high. I I I\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm not adverse to taking a a risk\n\nChannel 0: Yep.\n\nChannel 1: in the short term. Like, you know, if if something's gonna go gangbusters. I'm not adverse to say having someone put, you know, money into an investment portfolio where you're seeing significant gains in a shorter period of time.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So we we make money out of that and then sell at the right time and and and move on, so to speak. So I'm\n\nChannel 0: Yeah.\n\nChannel 1: probably in that medium to high,\n\nChannel 0: Mhmm.\n\nChannel 1: which then that takes the opportunity of increasing the balance quicker.\n\nChannel 0: Yes.\n\nChannel 1: And I know the adverse side to the risk of it, but\n\nChannel 0: Yeah.\n\nChannel 1: as you said, with with that one that's had that negative eighteen percent drop, I mean, that's\n\nChannel 0: Yep.\n\nChannel 1: offset all the gains that all my other all the other investments that were being put into\n\nChannel 0: Correct.\n\nChannel 1: had gained. So,\n\nChannel 0: Yeah.\n\nChannel 1: you know, that I'm caught in the catch 22. Hence, the reason why\n\nChannel 0: Yep.\n\nChannel 1: I said you got a gold and silver because it's more\n\nChannel 0: Yeah.\n\nChannel 1: of a defense one that I can always call back on.\n\nChannel 0: Yeah. Absolutely. And then, look, with with your time horizon you have, you can be willing to take on a bit more risk in the market now. It's not a problem at all. The idea is we start taking a bit more risk when you've got, you know, more than ten years or more than, say, six years to access your super.\n\nAnd then when you are about six years away, we start to really reduce that risk level down a bit. But at the same time, we wanna not only have high risk investments, but we wanna diversify and have some\n\nChannel 1: Yep.\n\nChannel 0: low risk investments like cash and bonds. We also wanna have some gold and silver that work defensively at certain times as well to kinda offset the risk level a little bit there. So that's absolutely fine. I can definitely put you in between those two, the high and the medium. It's not\n\nChannel 1: Yep.\n\nChannel 0: a problem. Yep. Excellent. The next one here is just asking if you did see your super fall in value in the next, say, six to twelve months because of what's happening externally, How does that make you feel? How do you think you might be feeling about that?\n\nChannel 1: In the sense I mean, if it's a significant drop, yeah, then I'm that I'd have I'd have concern.\n\nChannel 0: Yep.\n\nChannel 1: But, I mean, I I generally check my super either once a month, once every six weeks. And\n\nChannel 0: Yeah.\n\nChannel 1: as I said, I checked it a week ago before Samantha rang me in just in the week gone. You know, my hubs dropped seven k, and my care\n\nChannel 0: Yeah.\n\nChannel 1: supers dropped nearly two k. Just then\n\nChannel 0: Yeah.\n\nChannel 1: that's just in a week type thing. So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I generally in volatile times such as this where the market's so uncertain, I I don't tend to check it because I don't wanna know. I'm not one of these people that are hyper vigilant and will check it every day and and then\n\nChannel 0: Yeah.\n\nChannel 1: get concerned that my soup is dropping because it defeats the purpose of what it's there for. Do you get what\n\nChannel 0: Yep.\n\nChannel 1: I mean?\n\nChannel 0: Absolutely. That's a really good way of looking at it. That's perfect. So you can sort of sell by with Hub twenty four having that downtime, but also CareSleeper. It's not just the thing about the portfolio.\n\nIt's definitely more of a market reaction to what's been happening.\n\nChannel 1: Yep.\n\nChannel 0: So in those sorts of instances, do you feel like you just wanna hold and wait? Do you feel like you wanna call us and see what's happening, or do you just wanna sort of wait and see what happens over the course of the next few months? What's your normal reaction to sort of downtime like we're seeing?\n\nChannel 1: Sorry. Can you repeat that? I missed\n\nChannel 0: That's\n\nChannel 1: I missed a lot of\n\nChannel 0: like\n\nChannel 1: that.\n\nChannel 0: that's\n\nChannel 1: Sorry. My\n\nChannel 0: like\n\nChannel 1: bad.\n\nChannel 0: I'm so you're so awkward. If we say with the market reactions that we do see at the moment, the ups and downs, because it is quite volatile and has been over the last few months as well, seeing those downtimes, like, if your portfolio, say, fell by 20% both in CareSoup and in Hub twenty four, we saw a COVID event or something come\n\nChannel 1: Yep.\n\nChannel 0: like that, Would you be wanting to call us and see what's going on? Would you be a bit more concerned, maybe wanting to be move money to something more safer, or do you think you just sort of hold and wait and see what happens over the course of the next few months? How do you think you might react?\n\nChannel 1: If it was an if it was an ongoing concern,\n\nChannel 0: Yeah.\n\nChannel 1: I would probably either expect you to contact me because that's what I pay you for, or I would contact you just to see what what our options would be. I mean,\n\nChannel 0: Yep.\n\nChannel 1: I'd probably wait if it was something over a three month period\n\nChannel 0: Yeah.\n\nChannel 1: just to see if the market corrects itself, which it\n\nChannel 0: Yep.\n\nChannel 1: does tend to tend to do.\n\nChannel 0: Yeah.\n\nChannel 1: Like, as I said, it bounces been bouncing up and down the last, you know, even two days. So, you know, oil was a $116 a barrel on Monday, and it was $93 yesterday. So it's going up and down like a yoyo at the moment. So that's that's tending to dictate dictate what happens to the rest of the market. So\n\nChannel 0: Yeah.\n\nChannel 1: I guess it's more of a I'm attend I I tend to be a wait and see type of person\n\nChannel 0: Mhmm.\n\nChannel 1: and then look at my options from there after that.\n\nChannel 0: Okay. Perfect. Excellent. All good. Lovely.\n\nWell, having a look at that now, the portfolio we sorta have you in, it looks like it's more of a high growth sort of portfolio from where you were.\n\nChannel 1: Yep.\n\nChannel 0: In saying that a high growth investor has about eight years before they're wanting to access their suite. But, generally, you're expecting kind of eight to 10% returns on a yearly basis there, but you do expect a likelihood of a negative return sort of one in every five years as well.\n\nChannel 1: Yes.\n\nChannel 0: We can look at maybe reducing your exposure, looking at more of a growth portfolio, which sees 80% in those growth investments. Again, the likelihood of a negative return is that one in five, and we're expecting or hoping for around about seven to 9% as a return. Did you want me to sort of bring the risk level down just a little bit to that growth sort of environment, still giving you the eighty twenty split, still looking at some of those, the gold and silver and things like that. But just maybe bringing it back a bit for the for the next maybe year or so, or did you wanna stay in that high growth environment? What do you feel?\n\nChannel 1: Again, I'm not yeah. Sorry. My dog\n\nChannel 0: That's okay.\n\nChannel 1: my dog nearly we just had a call change come through, and my dog nearly got out. So\n\nChannel 0: Oh, no. You're right.\n\nChannel 1: so\n\nChannel 0: It's all good.\n\nChannel 1: can you repeat that again for me? I do apologize.\n\nChannel 0: No. You are absolutely fine. With where you are at the moment, like, the growth portfolio, did you hear the the information on the high growth portfolio? Was it the last thing you kind of heard?\n\nChannel 1: Yeah. I did.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep. With the what you're right. So sorry. You go.\n\nChannel 1: No. Yeah. You're alright. Sorry.\n\nChannel 0: You're fine. What we could look at doing with the amount of volatility we are seeing at the moment, we could look at just reducing it back a little bit. Going from that high growth environment, it's reducing your exposure into those growth assets by around about 10%. So we're kinda just pulling back a small amount there. With\n\nChannel 1: Yeah. That's\n\nChannel 0: the growth\n\nChannel 1: fine.\n\nChannel 0: portfolio, it's about 80% invested in those growth assets still. We still got 20% defensive lower risk investments where generally suits someone who has about six years before they're accessing super. So it does you do have more than the double the time horizon there based on your age and age 67 at the moment. Again, we do expect the likelihood of a negative return about one in every five years, and we're\n\nChannel 1: Yep.\n\nChannel 0: hoping you're pushing for about a seven to 9% return for this sort of portfolio. But this is pulling you back a little bit to begin with. Do you feel fairly fairly comfortable looking at that maybe? Yep.\n\nChannel 1: Yeah. Anything that's gonna get me anything that's going to allow me to increase growth\n\nChannel 0: Yep.\n\nChannel 1: on a on a quicker type basis, go for it.\n\nChannel 0: Realistically, to increase the growth, you'd have to increase the risk level, but decreasing the growth is the growth aspect. Not necessarily isn't gonna decrease the returns, but it is just putting you in more of a not so much a safer position, but more of a defensive position. Does that feel more comfortable? Does that make sense?\n\nChannel 1: Yeah. Alright. So for someone\n\nChannel 0: You're right.\n\nChannel 1: at my age at 55,\n\nChannel 0: Mhmm.\n\nChannel 1: how much super should I have in there now,\n\nChannel 0: Let me just\n\nChannel 1: ideally?\n\nChannel 0: have a look at the, yeah, you're right. Let me just have a look. I have a tool for that because it goes on your age as well. So\n\nChannel 1: Yes.\n\nChannel 0: 55 and the fact that you're a male versus a female. It's amazing the things that they take into account here. So we're, say, 55 and we're a male. Sorry. Yep.\n\nSo no.\n\nChannel 1: Yeah. I'm not one of these non binary people, and\n\nChannel 0: No. You're fine.\n\nChannel 1: I apologize if you are so. I do apologize.\n\nChannel 0: No. I'm I'm absolutely not. Do not worry in any way, shape, or form. I kind of I actually do ask that question quite regularly going now.\n\nChannel 1: No.\n\nChannel 0: Just double checking. How do you identify? Because I have been yelled at the past just by assuming.\n\nChannel 1: No. I'm I'm well, definitely one of these old schools. I don't use pronouns or anything like that. I'm not a veiled then.\n\nChannel 0: No. That's awesome. Okay. Sorry. That's right.\n\nIt's a little bit. So 55 for a male. So average based on being a male and a rather 55 years of age, the average super balance is about 301,900 and\n\nChannel 1: Yeah. So, you know, I'm I'm way behind where I should\n\nChannel 0: 20\n\nChannel 1: be.\n\nChannel 0: two. Yeah. Yeah. Based on the the average at the moment. Yeah.\n\nSo that's okay. Well, I'm comfortable to put you in that growth environment there. I'll look at what we can do with the portfolio, look at adding a bit of commodities in there as well, and what that looks like over the next sort of twelve years based on your age. I'll look at the insurance side of things for you, see what we can get, making sure that you've got access to those funds and any additional benefits that you might be able to access to make sure it's easier for your wife to be able to claim. Just checking because I do take into account, obviously, the retirement aspect, and part of that is also taking into account Yep.\n\nPerfect\n\nChannel 1: Yeah. It should be on about 35 to 40 maybe. She's a barista.\n\nChannel 0: Yep. Perfect. I love that. Love a good barista myself. And do you know roughly what her super balance might be, even just a rough estimate?\n\nChannel 1: No idea.\n\nChannel 0: No idea. That's okay. We'll just go on the fact we'll just work on that she has no super just to kind of work\n\nChannel 1: No.\n\nChannel 0: it out. How's\n\nChannel 1: She\n\nChannel 0: she\n\nChannel 1: she\n\nChannel 0: been working your\n\nChannel 1: she no. She's got super, but I don't know the actual amount she's got.\n\nChannel 0: do you know how's she been working for a lot of years, or did she take a massive amount of time off?\n\nChannel 1: She's probably working constantly for probably the last fifteen years.\n\nChannel 0: Okay. Fifteen years. Perfect. Just sort of looking at you're right. Sorry.\n\nChannel 1: So so she's 58. She would possibly have, I don't know, 35, maybe\n\nChannel 0: Yeah.\n\nChannel 1: 40 k in super,\n\nChannel 0: I\n\nChannel 1: give\n\nChannel 0: was\n\nChannel 1: or\n\nChannel 0: thinking\n\nChannel 1: take.\n\nChannel 0: probably maybe about 30,000 to work on\n\nChannel 1: Yep.\n\nChannel 0: as a bit\n\nChannel 1: Yep.\n\nChannel 0: of a buffer. It just kind of helps us to look at what the retirement aspect looks like and the longevity of your super and whether, you know,\n\nChannel 1: Yep.\n\nChannel 0: hers can provide a bit of a benefit there as well for you. So I just needed that information just as a bit of a buffer to help me with the research component, but I'll update the advice to reflect, and we'll go through it together. You'll be able to see that. I know a lot of this is me talking, and I don't wanna talk at you. So when I give\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: You're\n\nChannel 0: the advice,\n\nChannel 1: wrong.\n\nChannel 0: I'll have some visuals in there so you can have a look at everything and see it, and then you get to take it away and read it as well so you can take it in. Okay?\n\nChannel 1: Not that far.\n\nChannel 0: Perfect. All good. Well, I have everything I need at the moment to kinda go back. The only last question I had is when it comes to portfolios, you like to see the investments you're in. You did mention you like to look at it on a regular basis.\n\nYou do like to see where your money's invested and have that clarity. Is that\n\nChannel 1: Yeah.\n\nChannel 0: right?\n\nChannel 1: I do. Yep.\n\nChannel 0: Yeah. That's fine. Absolutely fine. Perfect. As you are getting older, sort of looking at I'll probably take away the active management component.\n\nI think having more of a passive portfolio can, a, be a little bit lower cost, which means you have more money invested, but\n\nChannel 1: Mhmm.\n\nChannel 0: it also is taking away some of the risk levels. So having those active managers in your portfolio when you're younger can provide benefit because they're trying to outperform the market. But at the same time, you do pay more for those investment managers, whereas often the passive portfolio can actually give you greater benefit. It's cheaper, leaves more money invested, and often just participating in the market and having more of an active portfolio actually performs better than those active managers do. So you're comfortable with me looking at something low cost, cheaper that's still working for you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now do you have any questions for me, Darren? I'm sorry. I know everything about you.\n\nYou're welcome to ask me anything, get me clarify anything additional for you. Or\n\nChannel 1: No. Not really. Not at this stage. As I said, I'm more concerned about getting my my super balance\n\nChannel 0: Yep.\n\nChannel 1: higher.\n\nChannel 0: Yep.\n\nChannel 1: I mean, I don't expect a 100 k jump in a year. Don't I don't\n\nChannel 0: That's\n\nChannel 1: expect\n\nChannel 0: okay.\n\nChannel 1: that. It's just just not how the market works works, and\n\nChannel 0: Yeah.\n\nChannel 1: I'm not prepared to put everything in a in\n\nChannel 0: Yeah.\n\nChannel 1: a high risk high risk sort of scenario, whereas, you know, I could lose a lot, and I don't wanna\n\nChannel 0: Yeah.\n\nChannel 1: do that.\n\nChannel 0: Yep. Yep.\n\nChannel 1: You you did clarify some things for me. I didn't realize\n\nChannel 0: Yeah.\n\nChannel 1: that if I wanted to, I could retire at 60 and and\n\nChannel 0: Yeah.\n\nChannel 1: access super straight away. I don't wanna do that because\n\nChannel 0: Yeah.\n\nChannel 1: I don't have enough in there to to to live on, say, $20 a year. That's for sure. So\n\nChannel 0: Yeah.\n\nChannel 1: no. No. I'm not Dana, no. I don't really.\n\nChannel 0: Yep. Perfect. No. That's okay. Well, if anything does come up, let me know.\n\nI am just gonna send you an email after the call as well. It'll have the annual review documents in there. So\n\nChannel 1: Yep.\n\nChannel 0: it's important that we do update our ongoing service agreement for the next twelve months. Now I just wanna make sure you're fully aware of everything. So you do pay an ongoing service fee to our services. That's for\n\nChannel 1: Yes.\n\nChannel 0: us looking after your sleep, but updating your advice, and you have me here whenever you need me as well. I'm gonna put myself on your account as your adviser. So you can I'll also email you after the call so you have my direct email. You can email me these questions. You can call me whenever you need, and I will make sure I'm available for you.\n\nI wanna make sure that moving forward, you have that direct contact as well. But you do pay an ongoing service fee to our services.\n\nChannel 1: Yeah.\n\nChannel 0: It\n\nChannel 1: That's\n\nChannel 0: is one\n\nChannel 1: fine.\n\nChannel 0: point five\n\nChannel 1: That's\n\nChannel 0: percent. Do you understand how all that works? Do you\n\nChannel 1: yep,\n\nChannel 0: have questions around it?\n\nChannel 1: that,\n\nChannel 0: No.\n\nChannel 1: yeah, that that had been suspended for six\n\nChannel 0: It\n\nChannel 1: months,\n\nChannel 0: has.\n\nChannel 1: I believe,\n\nChannel 0: Yeah.\n\nChannel 1: because\n\nChannel 0: We\n\nChannel 1: I hadn't I hadn't been looked after. So,\n\nChannel 0: yeah.\n\nChannel 1: yeah, that's\n\nChannel 0: No.\n\nChannel 1: fine.\n\nChannel 0: That's okay. I'm gonna turn that back on now. I will get send the documents out to you to sign so we can turn that back on, but I'm gonna make sure that you're obviously getting the services as well. And if at any point you feel like you're not, you let me know, and I'll make sure, you know, we're getting sorted. But I wanna make sure we touch base with you a bit more regularly, see how things are going, catch up with you as well,\n\nChannel 1: Yes.\n\nChannel 0: and you'll hear from my team a little bit more constantly. Okay?\n\nChannel 1: That's fine.\n\nChannel 0: Easy. I've also got in there the financial services guide, which outlines everything about who we are, what we do, and how we do it. It has all my licensing information and a lovely photo of me there. So you can have a look through that, give a feel for who I am. And if you find you have any concerns about any of that, you let me know.\n\nOkay?\n\nChannel 1: That's fine, Diana. Not a problem at\n\nChannel 0: Perfect.\n\nChannel 1: all.\n\nChannel 0: All good. And I'll get stuck into this advice piece. Now I do need to just book in a time for one of my lovely team members to go through a bit of a pre assessment for you. Is there a day or time that generally suits you better for them to run through this? It shouldn't take more than about ten minutes.\n\nChannel 1: Not tomorrow.\n\nChannel 0: Yep.\n\nChannel 1: Friday should be okay.\n\nChannel 0: Perfect. Now we close at 02:00 on Friday. What time Friday suits you the\n\nChannel 1: Oh,\n\nChannel 0: best?\n\nChannel 1: even even can't do Monday. Even Tuesday next week's fine. That's that's not a\n\nChannel 0: Yep.\n\nChannel 1: problem.\n\nChannel 0: Perfect. And did you want, like, this time of day?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Perfect. So I'll book it in for the same time. So we are. My goodness,\n\nChannel 1: February\n\nChannel 0: the year\n\nChannel 1: two\n\nChannel 0: is\n\nChannel 1: thirty\n\nChannel 0: flying\n\nChannel 1: your time?\n\nChannel 0: by yeah. 02:30 my time. Perfect. And next Tuesday, that brings us to the seventeenth there. Perfect.\n\nI'll book it in for 02:30 for you. Of my lovely team will give you a call. Let us run through a bit of a pre assessment. It gets a little bit in-depth around your health and, all those sorts of questions, but it's just so I can really understand what kind of contracts might be offered as part of the advice document when it comes to the insurances. If\n\nChannel 1: Yep.\n\nChannel 0: I have to come back and have another conversation, I'll make sure I follow-up with you. But once that is completed, did you I can book you in for the following week, say, from Monday, the twenty third onwards to have your advice document presented, would you like me to pick one of those days to present that to you? Would that week work for you?\n\nChannel 1: No. I'm away I'm away from the twenty third well, from the twenty second to the twenty ninth, so I'm happy\n\nChannel 0: Okay.\n\nChannel 1: for the and then I'm on holiday for the next two weeks after that.\n\nChannel 0: Okay.\n\nChannel 1: So anytime from Monday, the thirtieth onwards.\n\nChannel 0: Perfect. And did you want more in morning or afternoon? What sort of suits you that week?\n\nChannel 1: Probably morning's fine.\n\nChannel 0: Morning's fine. Perfect. Well, what if I book it in for Wednesday, April 1? That morning, I can actually actually, no. I can do the thirty first, the Tuesday.\n\nWe can do a first cab off the rank for you. Just double checking. You're in Victoria, so you're an hour ahead of me. If I do 08:00 my time, that's 09:00 your time. Does that sound good?\n\nWe get it off nice and early. Is that way\n\nChannel 1: Yep.\n\nChannel 0: you can\n\nChannel 1: That's\n\nChannel 0: enjoy\n\nChannel 1: fine.\n\nChannel 0: your day? Yep.\n\nChannel 1: Mhmm.\n\nChannel 0: Perfect. And I'll add a text message reminder. I'll send you an email shortly just following up. I am gonna have to update your ID as well, look at your ID on file has expired. So I'll get you to send me a copy of your ID.\n\nI'll add in the date and time for your pre assessment and a reminder for your SOA presentation on the thirty first, and I'll get stuck into this research for you. How does that sound?\n\nChannel 1: That's the end phone. It's not a problem\n\nChannel 0: Yeah.\n\nChannel 1: at all.\n\nChannel 0: Perfect. Thank you so much. I'm so sorry, Darren. I know it's a lot. I did a really good review, and I was like, look.\n\nWe've got a bit to talk about here. We wanna go through things and really update everything for you. So I'm so sorry it took a bit longer, and\n\nChannel 1: No.\n\nChannel 0: there was a lot\n\nChannel 1: Please.\n\nChannel 0: to go\n\nChannel 1: I'm\n\nChannel 0: through.\n\nChannel 1: I'm I'm glad you did. So that's not a\n\nChannel 0: Yeah.\n\nChannel 1: problem at all.\n\nChannel 0: Beautiful.\n\nChannel 1: As I said, it's\n\nChannel 0: Oh, thanks.\n\nChannel 1: been over been over twelve months. It's been almost\n\nChannel 0: Absolutely.\n\nChannel 1: two years since my my last my last review. So I'm glad\n\nChannel 0: Absolutely.\n\nChannel 1: you did it. So thank you.\n\nChannel 0: Oh, my pleasure. Let's make sure that we don't drop the ball moving forward for you, and I'll make sure we don't. You'll speak to my lovely admin as we're moving forward as well, and we'll take care of you and our little sort of area in a pod here at OQ, make sure we look after you. I will send you an email afterwards, and I'll also get the annual review pack sent out for you. If you can sign that and just reply back with your ID for me, I can take care of the rest, and I'll I'll talk to you in a couple of weeks when I've done all this research.\n\nOkay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Thank you so much, Darren. You'll also have my email. So if you do find us any questions, it doesn't matter what the question is, you just email me and ask me, and I'll happily make time to reply back to you. Okay?\n\nChannel 1: Sounds good. Thank you.\n\nChannel 0: It is my pleasure. You have a wonderful afternoon. It's been a pleasure. Thanks.\n\nChannel 1: Thanks, Danny. You take care.\n\nChannel 0: Talk to you\n\nChannel 1: Okay.\n\nChannel 0: soon. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.03037070855498314},{"text":"Darren speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.02545100264251232}],"sentiment":"neutral","sentiment_score":0.027090904613335926,"channel":1,"num_words":3,"start":1.28,"end":2.42},{"sentences":[{"text":"Hi, Darren.","start":2.96,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.09719061478972435},{"text":"It's Dana from Okie Financial.","start":3.6799998,"end":5.22,"sentiment":"neutral","sentiment_score":0.13080020397901534},{"text":"How are you this afternoon?","start":5.3599997,"end":6.58,"sentiment":"neutral","sentiment_score":0.1654238998889923}],"sentiment":"neutral","sentiment_score":0.13962514574329057,"channel":0,"num_words":12,"start":2.96,"end":6.58},{"sentences":[{"text":"Good, Dana.","start":6.96,"end":7.68,"sentiment":"positive","sentiment_score":0.40717360377311707},{"text":"How are you?","start":7.68,"end":8.42,"sentiment":"neutral","sentiment_score":0.28692028919855755}],"sentiment":"positive","sentiment_score":0.33502161502838135,"channel":1,"num_words":5,"start":6.96,"end":8.42},{"sentences":[{"text":"I'm very well.","start":8.639999,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5644012490908304},{"text":"Thank you.","start":9.5199995,"end":9.92,"sentiment":"positive","sentiment_score":0.6622995138168335},{"text":"Thank you for asking.","start":9.92,"end":10.96,"sentiment":"positive","sentiment_score":0.6116172075271606},{"text":"I had you booked in to go through an annual review today.","start":10.96,"end":13.36,"sentiment":"neutral","sentiment_score":0.2528662160038948},{"text":"Is now still a good time there for you?","start":13.36,"end":15.46,"sentiment":"neutral","sentiment_score":0.21110647585656908}],"sentiment":"positive","sentiment_score":0.34662081599235534,"channel":0,"num_words":30,"start":8.639999,"end":15.46},{"sentences":[{"text":"Yep.","start":15.865,"end":16.345,"sentiment":"neutral","sentiment_score":0.1048685759305954},{"text":"That's fine.","start":16.345,"end":17.244999,"sentiment":"neutral","sentiment_score":0.18747298419475555}],"sentiment":"neutral","sentiment_score":0.1599381814400355,"channel":1,"num_words":3,"start":15.865,"end":17.244999},{"sentences":[{"text":"Yes.","start":16.935,"end":17.435,"sentiment":"positive","sentiment_score":0.33381402492523193},{"text":"Fantastic.","start":17.735,"end":18.235,"sentiment":"positive","sentiment_score":0.6478099226951599},{"text":"How's your day been so far?","start":18.535,"end":20.235,"sentiment":"positive","sentiment_score":0.33947522441546124}],"sentiment":"positive","sentiment_score":0.3773094117641449,"channel":0,"num_words":8,"start":16.935,"end":20.235},{"sentences":[{"text":"Yeah.","start":20.664999,"end":20.904999,"sentiment":"neutral","sentiment_score":0.2447769045829773},{"text":"Not too bad.","start":20.904999,"end":21.625,"sentiment":"neutral","sentiment_score":0.2701081732908885},{"text":"I've just caught up in all my work, so which is good.","start":21.625,"end":25.085,"sentiment":"positive","sentiment_score":0.42247489591439563}],"sentiment":"positive","sentiment_score":0.3828000109642744,"channel":1,"num_words":16,"start":20.664999,"end":25.085},{"sentences":[{"text":"Fantastic.","start":25.575,"end":26.075,"sentiment":"positive","sentiment_score":0.7488746643066406},{"text":"That's always a good thing, and it's halfway through the week, so we're on our way to the weekend now.","start":26.375,"end":30.955,"sentiment":"positive","sentiment_score":0.5974478080868721}],"sentiment":"positive","sentiment_score":0.604658610764004,"channel":0,"num_words":21,"start":25.575,"end":30.955},{"sentences":[{"text":"Yes.","start":31.25,"end":31.49,"sentiment":"neutral","sentiment_score":0.23192031681537628},{"text":"This is true too.","start":31.49,"end":32.79,"sentiment":"neutral","sentiment_score":0.25538530945777893}],"sentiment":"neutral","sentiment_score":0.2506923109292984,"channel":1,"num_words":5,"start":31.25,"end":32.79},{"sentences":[{"text":"Alright.","start":34.19,"end":34.51,"sentiment":"neutral","sentiment_score":0.24724188446998596},{"text":"All good, Darren.","start":34.51,"end":35.39,"sentiment":"positive","sentiment_score":0.3618982235590617},{"text":"Before we jump into the call, I do need to let you know we do record our calls for quality and training purposes.","start":35.39,"end":39.949997,"sentiment":"neutral","sentiment_score":0.07734047070793483},{"text":"Are you happy for me to proceed with that?","start":39.949997,"end":42.05,"sentiment":"neutral","sentiment_score":0.13155516237020493}],"sentiment":"neutral","sentiment_score":0.11932677341004212,"channel":0,"num_words":36,"start":34.19,"end":42.05},{"sentences":[{"text":"Yeah.","start":41.97,"end":42.21,"sentiment":"neutral","sentiment_score":0.07605467736721039},{"text":"Of course, I am.","start":42.21,"end":42.85,"sentiment":"neutral","sentiment_score":0.09304116107523441},{"text":"That's fine.","start":42.85,"end":43.59,"sentiment":"neutral","sentiment_score":0.21603770554065704}],"sentiment":"neutral","sentiment_score":0.1257563903927803,"channel":1,"num_words":7,"start":41.97,"end":43.59},{"sentences":[{"text":"Lovely.","start":43.55,"end":43.949997,"sentiment":"positive","sentiment_score":0.3966929316520691},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":43.949997,"end":47.625,"sentiment":"neutral","sentiment_score":0.11425584042444825},{"text":"So I'll just need to confirm your full name, date of birth, and address I should have on file.","start":47.625,"end":51.565,"sentiment":"neutral","sentiment_score":0.0750279783418304}],"sentiment":"neutral","sentiment_score":0.10139772130383386,"channel":0,"num_words":36,"start":43.55,"end":51.565},{"sentences":[{"text":"Yep.","start":52.705,"end":53.105,"sentiment":"neutral","sentiment_score":0.02796785533428192},{"text":"Darren Anthony Edwards.","start":53.105,"end":54.465,"sentiment":"neutral","sentiment_score":0.01961895450949669},{"text":"First the","start":54.465,"end":54.945,"sentiment":"neutral","sentiment_score":0.018868201412260532}],"sentiment":"neutral","sentiment_score":0.020760186947882175,"channel":1,"num_words":6,"start":52.705,"end":54.945},{"sentences":[{"text":"Yes.","start":54.905,"end":55.405,"sentiment":"neutral","sentiment_score":0.031635086983442307}],"sentiment":"neutral","sentiment_score":0.031635086983442307,"channel":0,"num_words":1,"start":54.905,"end":55.405},{"sentences":[{"text":"first nineteen seventy one.","start":54.945,"end":56.805,"sentiment":"neutral","sentiment_score":0.029424868058413267}],"sentiment":"neutral","sentiment_score":0.029424868058413267,"channel":1,"num_words":4,"start":54.945,"end":56.805},{"sentences":[{"text":"Yep.","start":57.065002,"end":57.565002,"sentiment":"neutral","sentiment_score":0.01738707348704338}],"sentiment":"neutral","sentiment_score":0.01738707348704338,"channel":0,"num_words":1,"start":57.065002,"end":57.565002},{"sentences":[{"text":"6 Niagara Way in Werribee, Victoria 3030.","start":57.505,"end":61.445,"sentiment":"neutral","sentiment_score":0.025719858572951386}],"sentiment":"neutral","sentiment_score":0.025719858572951386,"channel":1,"num_words":7,"start":57.505,"end":61.445},{"sentences":[{"text":"Beautiful.","start":61.8,"end":62.3,"sentiment":"positive","sentiment_score":0.4808809757232666},{"text":"Thank you so much for that.","start":62.36,"end":63.82,"sentiment":"positive","sentiment_score":0.6278799573580424},{"text":"I had a bit of a look.","start":64.04,"end":65.0,"sentiment":"neutral","sentiment_score":0.28347717438425335},{"text":"I know you did speak to my colleague Samantha the other week to book in the review today.","start":65.0,"end":68.6,"sentiment":"neutral","sentiment_score":0.23070970426003137},{"text":"She did go through a bit of a fax line with you, which is fantastic.","start":68.6,"end":71.42,"sentiment":"positive","sentiment_score":0.47373433113098146}],"sentiment":"positive","sentiment_score":0.37215511881290597,"channel":0,"num_words":47,"start":61.8,"end":71.42},{"sentences":[{"text":"Yep.","start":72.19,"end":72.69,"sentiment":"neutral","sentiment_score":0.14721117913722992}],"sentiment":"neutral","sentiment_score":0.14721117913722992,"channel":1,"num_words":1,"start":72.19,"end":72.69},{"sentences":[{"text":"You had a couple of questions there about wanting to maybe look at trends as your retirement strategies and review your super as well.","start":72.905,"end":79.784996,"sentiment":"neutral","sentiment_score":0.11421956773847342},{"text":"Is that right?","start":79.784996,"end":80.505,"sentiment":"neutral","sentiment_score":0.09752551714579265},{"text":"Is there anything else that might be important to touch base on today?","start":80.505,"end":83.805,"sentiment":"neutral","sentiment_score":0.05604067158240538}],"sentiment":"neutral","sentiment_score":0.09405937269330025,"channel":0,"num_words":40,"start":72.905,"end":83.805},{"sentences":[{"text":"Primarily, that's it.","start":85.635,"end":87.235,"sentiment":"neutral","sentiment_score":-0.025779058535893757},{"text":"I know that I just said to Sam last week that","start":87.235,"end":90.97,"sentiment":"neutral","sentiment_score":-0.05813666704026135}],"sentiment":"neutral","sentiment_score":-0.051202893789325445,"channel":1,"num_words":14,"start":85.635,"end":90.97},{"sentences":[{"text":"Yeah.","start":91.259995,"end":91.759995,"sentiment":"neutral","sentiment_score":-0.15425178408622742}],"sentiment":"neutral","sentiment_score":-0.15425178408622742,"channel":0,"num_words":1,"start":91.259995,"end":91.759995},{"sentences":[{"text":"soup has sort of been stagnant over the past three or so months and with not","start":91.27,"end":95.03,"sentiment":"neutral","sentiment_score":-0.2787361051887274}],"sentiment":"neutral","sentiment_score":-0.2787361051887274,"channel":1,"num_words":16,"start":91.27,"end":95.03},{"sentences":[{"text":"Yep.","start":95.02,"end":95.52,"sentiment":"neutral","sentiment_score":-0.1473122537136078}],"sentiment":"neutral","sentiment_score":-0.1473122537136078,"channel":0,"num_words":1,"start":95.02,"end":95.52},{"sentences":[{"text":"much movement.","start":95.03,"end":95.59,"sentiment":"neutral","sentiment_score":-0.2297172099351883},{"text":"And, of course, I haven't even looked this week given what's been going on over in The Middle East.","start":95.59,"end":99.83,"sentiment":"neutral","sentiment_score":-0.18047788739204407},{"text":"So I know soup has taken a hit, so","start":99.83,"end":102.09,"sentiment":"neutral","sentiment_score":-0.30498959951930577}],"sentiment":"neutral","sentiment_score":-0.22111402253309886,"channel":1,"num_words":30,"start":95.03,"end":102.09},{"sentences":[{"text":"Yeah.","start":101.59499,"end":101.91499,"sentiment":"neutral","sentiment_score":-0.15595832467079165},{"text":"Yep.","start":101.91499,"end":102.41499,"sentiment":"neutral","sentiment_score":-0.06593482196331024}],"sentiment":"neutral","sentiment_score":-0.11094657331705095,"channel":0,"num_words":2,"start":101.59499,"end":102.41499},{"sentences":[{"text":"I sorta get it.","start":103.034996,"end":103.835,"sentiment":"neutral","sentiment_score":-0.07351118326187134},{"text":"I just wanna check want you to go through my strategy to see if I'm I'm I'm in the right sort of investments for what what's set up.","start":103.835,"end":111.515,"sentiment":"neutral","sentiment_score":0.12694174210940087},{"text":"That's all.","start":111.515,"end":112.255,"sentiment":"neutral","sentiment_score":0.07600945979356766}],"sentiment":"neutral","sentiment_score":0.10036302840008456,"channel":1,"num_words":34,"start":103.034996,"end":112.255},{"sentences":[{"text":"Yeah.","start":112.17,"end":112.49,"sentiment":"neutral","sentiment_score":0.11632978916168212},{"text":"Yeah.","start":112.49,"end":112.81,"sentiment":"neutral","sentiment_score":0.1602453738451004},{"text":"That's okay.","start":112.81,"end":113.45,"sentiment":"neutral","sentiment_score":0.2696705460548401},{"text":"Not a problem at all.","start":113.45,"end":114.25,"sentiment":"neutral","sentiment_score":0.3303227722644806},{"text":"I did sorta have a look at few at things before the call.","start":114.25,"end":117.39,"sentiment":"neutral","sentiment_score":0.18928257662516373}],"sentiment":"neutral","sentiment_score":0.2240092551166361,"channel":0,"num_words":22,"start":112.17,"end":117.39},{"sentences":[{"text":"There is definitely probably some advice to definitely update there for you.","start":117.53,"end":121.149994,"sentiment":"neutral","sentiment_score":0.2930276555319627},{"text":"I know one of the things was you do have your Care Super insurances at the moment.","start":121.53,"end":125.585,"sentiment":"neutral","sentiment_score":0.11645848698475782},{"text":"So I'll start by just giving you an updated balance.","start":125.585,"end":127.825005,"sentiment":"neutral","sentiment_score":0.1582151919603348},{"text":"We do send you a new review pack after the call as well, so I'll make sure you do get a copy of all these documents sent out to you to be able to review.","start":127.825005,"end":135.445,"sentiment":"neutral","sentiment_score":0.15428941526583262}],"sentiment":"neutral","sentiment_score":0.16862712971664764,"channel":0,"num_words":74,"start":117.53,"end":135.445},{"sentences":[{"text":"Yep.","start":136.105,"end":136.605,"sentiment":"neutral","sentiment_score":0.09494855254888536}],"sentiment":"neutral","sentiment_score":0.09494855254888536,"channel":1,"num_words":1,"start":136.105,"end":136.605},{"sentences":[{"text":"But at the moment, having a look at your Super balance there, as of today's date, in Hub twenty four, we have a balance of 187,476 and 47¢.","start":136.225,"end":146.94,"sentiment":"neutral","sentiment_score":0.03668462781718484},{"text":"Within CareSafe today, a balance of $15,477.86.","start":147.24,"end":152.94,"sentiment":"neutral","sentiment_score":0.0414730150784765},{"text":"Having a look at the way the market has reacted and your portfolio over the last twelve months, now your return is lower at the moment.","start":153.755,"end":161.695,"sentiment":"neutral","sentiment_score":-0.23163682795487917},{"text":"The return for the last twelve months for a whole in your portfolio is actually just over 1%.","start":162.075,"end":168.01,"sentiment":"neutral","sentiment_score":-0.314752663175265},{"text":"So it's 0.7 for the year, which is quite low.","start":168.01,"end":171.70999,"sentiment":"negative","sentiment_score":-0.4038654536008835}],"sentiment":"neutral","sentiment_score":-0.1641586811747402,"channel":0,"num_words":89,"start":136.225,"end":171.70999},{"sentences":[{"text":"Definitely not what we would have wanted.","start":172.56999,"end":174.34999,"sentiment":"negative","sentiment_score":-0.6161907485553196},{"text":"When I kind of run through all the individual investments and how they performed individually, most of them have done really well.","start":174.65,"end":181.055,"sentiment":"neutral","sentiment_score":0.012973220172253523},{"text":"So you do have, like, your Global Healthcare that is showing a little bit of a dip at the moment down about 6%.","start":181.055,"end":188.355,"sentiment":"neutral","sentiment_score":-0.0911751089050718},{"text":"Your Vanguard conservative index fund is up over 6.48%.","start":188.81499,"end":193.075,"sentiment":"neutral","sentiment_score":0.1380606691042582},{"text":"European and Asia exposure is up over 35% and about 6% there respectively.","start":193.76,"end":199.37999,"sentiment":"neutral","sentiment_score":0.12000386130351287}],"sentiment":"neutral","sentiment_score":-0.04489669840581514,"channel":0,"num_words":74,"start":172.56999,"end":199.37999},{"sentences":[{"text":"The S and P 500 is up around that 7.89.","start":200.31999,"end":203.92,"sentiment":"neutral","sentiment_score":0.2595746859908104},{"text":"Your battery and lithium tax done really well.","start":203.92,"end":206.0,"sentiment":"positive","sentiment_score":0.7054630815982819},{"text":"It's the best performer.","start":206.0,"end":207.06,"sentiment":"positive","sentiment_score":0.6138678342103958},{"text":"That's up over 65.49% for the year, which is good.","start":207.505,"end":211.525,"sentiment":"positive","sentiment_score":0.5858010351657867},{"text":"And then the agriculture is up over 31.37% there.","start":211.825,"end":216.565,"sentiment":"neutral","sentiment_score":0.2905834913253784}],"sentiment":"positive","sentiment_score":0.4675166981249321,"channel":0,"num_words":41,"start":200.31999,"end":216.565},{"sentences":[{"text":"Your Bannalong Australian Equities is kind of what's really pulling your portfolio back a little bit.","start":217.105,"end":222.42,"sentiment":"neutral","sentiment_score":0.15935884043574333},{"text":"So Bennelong, when that was put into the portfolio, was there to give you some active management in there.","start":222.5,"end":229.3,"sentiment":"neutral","sentiment_score":0.1456102389646204},{"text":"Bennelong, as opposed to as part of their strategy, be updating their underlying investments within the funds there to sort of make sure they're invested in the highest quality.","start":229.3,"end":238.74501,"sentiment":"neutral","sentiment_score":0.04375701224238708},{"text":"Bannalong, unfortunately, late last year and early this year, had a bit of an issue with one of their underlying investments.","start":239.04501,"end":244.32501,"sentiment":"negative","sentiment_score":-0.43646531729471116},{"text":"I'm not sure if you've seen in the news or not, but Corporate Traveler had come out in when they had disclosed the market, but it had been a bit dishonest to their investors there.","start":244.32501,"end":253.2,"sentiment":"negative","sentiment_score":-0.3675728108201708}],"sentiment":"neutral","sentiment_score":-0.12871275582971672,"channel":0,"num_words":120,"start":217.105,"end":253.2},{"sentences":[{"text":"That","start":253.5,"end":253.73999,"sentiment":"neutral","sentiment_score":-0.3044712543487549}],"sentiment":"neutral","sentiment_score":-0.3044712543487549,"channel":0,"num_words":1,"start":253.5,"end":253.73999},{"sentences":[{"text":"Yep.","start":253.625,"end":254.125,"sentiment":"neutral","sentiment_score":-0.2909749150276184}],"sentiment":"neutral","sentiment_score":-0.2909749150276184,"channel":1,"num_words":1,"start":253.625,"end":254.125},{"sentences":[{"text":"unfortunately meant that Benelongs had to reevaluate Corporate Traveler as an investment, which meant that all of our analysts have gone back and reevaluated Benelong.","start":253.73999,"end":261.91998,"sentiment":"negative","sentiment_score":-0.44557335615158083},{"text":"In your portfolio as a whole, that is down by 18.35%.","start":262.995,"end":267.07498,"sentiment":"negative","sentiment_score":-0.4540079208937558},{"text":"So that is what's dragging your portfolio down pretty heavily at the moment.","start":267.07498,"end":270.695,"sentiment":"negative","sentiment_score":-0.6028533325745509}],"sentiment":"negative","sentiment_score":-0.4891941705528571,"channel":0,"num_words":49,"start":253.73999,"end":270.695},{"sentences":[{"text":"Swap it at.","start":271.11,"end":271.99,"sentiment":"neutral","sentiment_score":-0.19650584956010184},{"text":"Swap 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to update the advice.","start":274.88998,"end":277.93,"sentiment":"neutral","sentiment_score":-0.0465445237664076},{"text":"We do wanna remove that from the portfolios now completely.","start":277.93,"end":281.22998,"sentiment":"neutral","sentiment_score":-0.14976033829152585},{"text":"As much as we don't realistically wanna be selling things when they are in a dip, it is important to take what we can out of there now.","start":281.53,"end":288.50998,"sentiment":"neutral","sentiment_score":-0.2271902859210968}],"sentiment":"neutral","sentiment_score":-0.17123310921484963,"channel":0,"num_words":57,"start":272.595,"end":288.50998},{"sentences":[{"text":"And","start":288.82498,"end":289.065,"sentiment":"neutral","sentiment_score":-0.0282517671585083}],"sentiment":"neutral","sentiment_score":-0.0282517671585083,"channel":0,"num_words":1,"start":288.82498,"end":289.065},{"sentences":[{"text":"Yep.","start":288.87003,"end":289.37003,"sentiment":"neutral","sentiment_score":-0.015318683348596096}],"sentiment":"neutral","sentiment_score":-0.015318683348596096,"channel":1,"num_words":1,"start":288.87003,"end":289.37003},{"sentences":[{"text":"maneuvering the portfolio now, we can essentially take the fact that Van Along is down, and we can offset capital gains with the with the losses that Van Along has seen in your portfolio.","start":289.065,"end":299.005,"sentiment":"neutral","sentiment_score":-0.09587178477907882},{"text":"So","start":299.305,"end":299.805,"sentiment":"neutral","sentiment_score":-0.11329302191734314}],"sentiment":"neutral","sentiment_score":-0.09636953441160066,"channel":0,"num_words":35,"start":289.065,"end":299.805},{"sentences":[{"text":"Mhmm.","start":299.59003,"end":300.09003,"sentiment":"neutral","sentiment_score":-0.12880006432533264}],"sentiment":"neutral","sentiment_score":-0.12880006432533264,"channel":1,"num_words":1,"start":299.59003,"end":300.09003},{"sentences":[{"text":"as a whole, I definitely wanna get rid of that.","start":300.425,"end":302.49,"sentiment":"neutral","sentiment_score":-0.23506006002426147},{"text":"But I also wanted to have a chat to you a bit more about your other goals around the retirement aspect because you're 55 now.","start":302.49,"end":309.38998,"sentiment":"neutral","sentiment_score":0.06578906059265137}],"sentiment":"neutral","sentiment_score":-0.020167831012180875,"channel":0,"num_words":35,"start":300.425,"end":309.38998},{"sentences":[{"text":"That's correct.","start":309.755,"end":310.655,"sentiment":"neutral","sentiment_score":0.13439971208572388}],"sentiment":"neutral","sentiment_score":0.13439971208572388,"channel":1,"num_words":2,"start":309.755,"end":310.655},{"sentences":[{"text":"Yes.","start":311.05,"end":311.53,"sentiment":"neutral","sentiment_score":0.23758885264396667},{"text":"And that's a good thing because you are getting closer and closer to those years where you might be considering accessing super.","start":311.53,"end":316.97,"sentiment":"positive","sentiment_score":0.36389070613817737},{"text":"So we might have a look at reviewing the super, the portfolio for you, do an updated advice document, but then also look at the retirement aspect for you down the track and look at where this is taking you and what this looks like for your retirement years.","start":316.97,"end":329.685,"sentiment":"neutral","sentiment_score":0.20642342251174303},{"text":"Does that sound like something you'd be open to me doing?","start":329.685,"end":332.185,"sentiment":"neutral","sentiment_score":0.12386941909790039}],"sentiment":"neutral","sentiment_score":0.23759633374501424,"channel":0,"num_words":83,"start":311.05,"end":332.185},{"sentences":[{"text":"Yeah.","start":332.135,"end":332.635,"sentiment":"neutral","sentiment_score":0.16244760155677795}],"sentiment":"neutral","sentiment_score":0.16244760155677795,"channel":1,"num_words":1,"start":332.135,"end":332.635},{"sentences":[{"text":"Yep.","start":333.44998,"end":333.85,"sentiment":"neutral","sentiment_score":0.2027053534984589},{"text":"Perfect.","start":333.85,"end":334.35,"sentiment":"positive","sentiment_score":0.5061472654342651},{"text":"All good.","start":334.49,"end":335.22998,"sentiment":"positive","sentiment_score":0.528183788061142},{"text":"So one of the things is we are definitely gonna get rid of Van Along there.","start":335.61,"end":338.66998,"sentiment":"neutral","sentiment_score":0.08931458555161953}],"sentiment":"neutral","sentiment_score":0.15971267819404603,"channel":0,"num_words":20,"start":333.44998,"end":338.66998},{"sentences":[{"text":"That's fine.","start":338.455,"end":339.205,"sentiment":"neutral","sentiment_score":0.15926313772797585}],"sentiment":"neutral","sentiment_score":0.15926313772797585,"channel":1,"num_words":2,"start":338.455,"end":339.205},{"sentences":[{"text":"I will have a look at sort of what else is important with regard to investments.","start":338.72998,"end":342.91,"sentiment":"neutral","sentiment_score":0.13038321025669575},{"text":"But is there anything that sort of piques your interest anywhere you would like to see your super mainly invested in or anything else you want us to maybe take advantage of or have a look at for you investment wise?","start":342.97,"end":353.895,"sentiment":"neutral","sentiment_score":0.20372825606567105}],"sentiment":"neutral","sentiment_score":0.1831401730315727,"channel":0,"num_words":57,"start":338.72998,"end":353.895},{"sentences":[{"text":"Well, gold's always safe.","start":354.44,"end":356.22,"sentiment":"positive","sentiment_score":0.386929914355278}],"sentiment":"positive","sentiment_score":0.386929914355278,"channel":1,"num_words":4,"start":354.44,"end":356.22},{"sentences":[{"text":"Absolutely.","start":356.675,"end":357.175,"sentiment":"positive","sentiment_score":0.5895803570747375},{"text":"I can see there's not any in here that I can see as a whole, so I will definitely have a look at some physical gold for you.","start":357.635,"end":364.85,"sentiment":"neutral","sentiment_score":0.24471463129988738},{"text":"Did you want me to look at some silver as 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me.","start":428.57,"end":428.89,"sentiment":"neutral","sentiment_score":0.3168477863073349}],"sentiment":"neutral","sentiment_score":0.3168477863073349,"channel":1,"num_words":2,"start":428.57,"end":428.89},{"sentences":[{"text":"when","start":428.665,"end":428.905,"sentiment":"neutral","sentiment_score":0.1861678659915924}],"sentiment":"neutral","sentiment_score":0.1861678659915924,"channel":0,"num_words":1,"start":428.665,"end":428.905},{"sentences":[{"text":"Yep.","start":428.89,"end":429.39,"sentiment":"neutral","sentiment_score":0.13756734132766724}],"sentiment":"neutral","sentiment_score":0.13756734132766724,"channel":1,"num_words":1,"start":428.89,"end":429.39},{"sentences":[{"text":"markets aren't doing so well and kinda looking at ways to, you know, reduce the risk level overall when, say, equities aren't performing as well, then people do tend to move money into gold and silver, particularly gold, but silver can work defensively as well.","start":428.905,"end":442.79,"sentiment":"neutral","sentiment_score":0.19019614342186186},{"text":"So I will","start":442.79,"end":443.43,"sentiment":"positive","sentiment_score":0.41158979137738544}],"sentiment":"neutral","sentiment_score":0.20403324641908208,"channel":0,"num_words":48,"start":428.905,"end":443.43},{"sentences":[{"text":"Yep.","start":443.315,"end":443.815,"sentiment":"positive","sentiment_score":0.4229939877986908}],"sentiment":"positive","sentiment_score":0.4229939877986908,"channel":1,"num_words":1,"start":443.315,"end":443.815},{"sentences":[{"text":"definitely wanna put some of that in your portfolio, and I can have a look at what to do there.","start":443.43,"end":447.345,"sentiment":"positive","sentiment_score":0.40253878792282194},{"text":"With regard to the copper, I can definitely have a look at what options are available, what might be available in Hub 24 for you, but it is also about making sure we're not overexposing you to growth assets and increasing the risk levels.","start":447.825,"end":459.025,"sentiment":"neutral","sentiment_score":0.032448282930999994},{"text":"And some of the copper","start":459.025,"end":460.065,"sentiment":"neutral","sentiment_score":0.001006663218140602}],"sentiment":"neutral","sentiment_score":0.13744251483349482,"channel":0,"num_words":69,"start":443.43,"end":460.065},{"sentences":[{"text":"Yep.","start":459.67,"end":460.005,"sentiment":"neutral","sentiment_score":0.0006208938430063426}],"sentiment":"neutral","sentiment_score":0.0006208938430063426,"channel":1,"num_words":1,"start":459.67,"end":460.005},{"sentences":[{"text":"asset can 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something happens to me, my wife gets with super as well as the death benefit, then that way I know she's okay for the foreseeable future, if you get what I mean.","start":760.46497,"end":771.045,"sentiment":"neutral","sentiment_score":0.30469748079776765}],"sentiment":"neutral","sentiment_score":0.30469748079776765,"channel":1,"num_words":35,"start":760.46497,"end":771.045},{"sentences":[{"text":"Yeah.","start":771.23,"end":771.63,"sentiment":"neutral","sentiment_score":0.2075769603252411},{"text":"Absolutely.","start":771.63,"end":772.13,"sentiment":"neutral","sentiment_score":0.24465669691562653},{"text":"Because with the death benefit you have there at the moment, now I've got down here that you've got no assets noted.","start":772.58997,"end":777.55,"sentiment":"neutral","sentiment_score":0.041232968934557655},{"text":"So are you renting where you are at the 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to pass away prematurely, obviously, the the the rent still has to be paid, so your wife doesn't need to cover your rent continuously.","start":791.255,"end":799.19495,"sentiment":"neutral","sentiment_score":-0.22432383575609752}],"sentiment":"neutral","sentiment_score":-0.15029642013832928,"channel":0,"num_words":40,"start":787.57495,"end":799.19495},{"sentences":[{"text":"Yep.","start":799.25,"end":799.75,"sentiment":"neutral","sentiment_score":0.058404892683029175},{"text":"Yep.","start":800.21,"end":800.71,"sentiment":"neutral","sentiment_score":0.059966038912534714}],"sentiment":"neutral","sentiment_score":0.059185465797781944,"channel":1,"num_words":2,"start":799.25,"end":800.71},{"sentences":[{"text":"That was $18.50 per month, wasn't it?","start":800.77,"end":803.27,"sentiment":"neutral","sentiment_score":0.07779277328933988}],"sentiment":"neutral","sentiment_score":0.07779277328933988,"channel":0,"num_words":7,"start":800.77,"end":803.27},{"sentences":[{"text":"That's 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many thousands and thousands of people who live paycheck to paycheck, unfortunately.","start":1067.955,"end":1071.95,"sentiment":"neutral","sentiment_score":-0.2065820567882978}],"sentiment":"neutral","sentiment_score":-0.2065820567882978,"channel":1,"num_words":13,"start":1067.955,"end":1071.95},{"sentences":[{"text":"that that is completely understandable.","start":1072.19,"end":1074.29,"sentiment":"neutral","sentiment_score":-0.2895070552825928},{"text":"Another thing I'm just sort of looking at the options wise is with the life insurance, if I was to maybe draw up a bit of a quote and maybe recommend just a small portion of that life cover we paid outside of super, that can, in the event of death, provide, like, a lump sum benefit paid down for a funeral that can be paid out generally within twenty four hours once the death certificate has been provided to the insurer.","start":1074.99,"end":1099.56,"sentiment":"neutral","sentiment_score":0.05974609009558108},{"text":"If I was to 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you","start":1326.885,"end":1327.365,"sentiment":"neutral","sentiment_score":-0.07014242311318715}],"sentiment":"neutral","sentiment_score":-0.12695955804416112,"channel":1,"num_words":7,"start":1325.845,"end":1327.365},{"sentences":[{"text":"I'm","start":1327.3301,"end":1327.8301,"sentiment":"neutral","sentiment_score":-0.05036620423197746}],"sentiment":"neutral","sentiment_score":-0.05036620423197746,"channel":0,"num_words":1,"start":1327.3301,"end":1327.8301},{"sentences":[{"text":"go.","start":1327.365,"end":1327.865,"sentiment":"neutral","sentiment_score":-0.03919913247227669}],"sentiment":"neutral","sentiment_score":-0.03919913247227669,"channel":1,"num_words":1,"start":1327.365,"end":1327.865},{"sentences":[{"text":"so sorry.","start":1328.05,"end":1328.9501,"sentiment":"neutral","sentiment_score":-0.056536056101322174},{"text":"Essentially, with TBD, if you claim TBD and you're under the age of 60, you your super gets released well because we claim incapacity against your super.","start":1330.13,"end":1338.975,"sentiment":"neutral","sentiment_score":-0.0013196502243065173},{"text":"So everything is released, which is fantastic.","start":1338.975,"end":1341.0751,"sentiment":"positive","sentiment_score":0.5962150565215519},{"text":"However,","start":1341.6951,"end":1342.175,"sentiment":"neutral","sentiment_score":0.1302688717842102}],"sentiment":"neutral","sentiment_score":0.11229923241016632,"channel":0,"num_words":37,"start":1328.05,"end":1342.175},{"sentences":[{"text":"Yeah.","start":1341.9049,"end":1342.4049,"sentiment":"neutral","sentiment_score":0.04686962068080902}],"sentiment":"neutral","sentiment_score":0.04686962068080902,"channel":1,"num_words":1,"start":1341.9049,"end":1342.4049},{"sentences":[{"text":"if you're under the age of 60, tax is actually on the TBD payout.","start":1342.175,"end":1346.975,"sentiment":"neutral","sentiment_score":-0.0688446754855769},{"text":"It's on the taxable component inside super, and it's up to 22% depending on a few factors.","start":1346.975,"end":1353.25,"sentiment":"neutral","sentiment_score":-0.009052738109055688},{"text":"They have a fund math equation that looks at your age that you're claiming versus the age of 65.","start":1353.25,"end":1358.53,"sentiment":"neutral","sentiment_score":0.0032103297937857477},{"text":"They look at how much is in your taxable versus tax free components.","start":1358.53,"end":1362.07,"sentiment":"neutral","sentiment_score":0.0022059190445221388},{"text":"There are things that we can do.","start":1363.33,"end":1365.03,"sentiment":"neutral","sentiment_score":0.11112393971000399}],"sentiment":"neutral","sentiment_score":-0.0035740173288754053,"channel":0,"num_words":70,"start":1342.175,"end":1365.03},{"sentences":[{"text":"So if you were to claim on TBD, I would say come and see me.","start":1365.475,"end":1369.235,"sentiment":"neutral","sentiment_score":0.05159936969478925},{"text":"Let's do 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transferring the $5 now.","start":1951.78,"end":1955.06,"sentiment":"neutral","sentiment_score":0.17779014632105827},{"text":"I'll do it when we update the advice.","start":1955.06,"end":1956.8201,"sentiment":"neutral","sentiment_score":0.19330497831106186}],"sentiment":"neutral","sentiment_score":0.19422802870923822,"channel":0,"num_words":22,"start":1950.74,"end":1956.8201},{"sentences":[{"text":"Yep.","start":1956.72,"end":1957.065,"sentiment":"neutral","sentiment_score":0.1869535446166992}],"sentiment":"neutral","sentiment_score":0.1869535446166992,"channel":1,"num_words":1,"start":1956.72,"end":1957.065},{"sentences":[{"text":"So I should be able to have the advice ready for you in about two weeks.","start":1956.8201,"end":1960.42,"sentiment":"neutral","sentiment_score":0.24140191171318293},{"text":"After the call, I can book you back in for the advice piece to be presented.","start":1960.42,"end":1964.4451,"sentiment":"neutral","sentiment_score":0.178934121504426},{"text":"We can 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moment.","start":1980.67,"end":1988.8501,"sentiment":"neutral","sentiment_score":0.086539626121521}],"sentiment":"neutral","sentiment_score":0.3325314307421969,"channel":0,"num_words":57,"start":1971.545,"end":1988.8501},{"sentences":[{"text":"With a TTR strategy, we kind of can't put that in place now.","start":1989.1849,"end":1992.945,"sentiment":"neutral","sentiment_score":0.01729248636043989},{"text":"We'll have to wait until just before you turn age 60 just because we have to work on the income you have then, the super balance 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60.","start":2027.255,"end":2040.45,"sentiment":"neutral","sentiment_score":0.08056315655509631},{"text":"Okay?","start":2040.67,"end":2041.17,"sentiment":"neutral","sentiment_score":0.049957431852817535}],"sentiment":"neutral","sentiment_score":0.07861349423383844,"channel":0,"num_words":58,"start":2025.815,"end":2041.17},{"sentences":[{"text":"Yep.","start":2041.3351,"end":2041.5751,"sentiment":"neutral","sentiment_score":0.07259712368249893},{"text":"That's fine.","start":2041.5751,"end":2042.475,"sentiment":"neutral","sentiment_score":0.20374822616577148}],"sentiment":"neutral","sentiment_score":0.16003119200468063,"channel":1,"num_words":3,"start":2041.3351,"end":2042.475},{"sentences":[{"text":"Beautiful.","start":2042.905,"end":2043.405,"sentiment":"positive","sentiment_score":0.3815252184867859},{"text":"Now the when I am looking at long term at the retirement aspect, what age do you think you sort of said between sort of 60 to 62 doing the TTR strategy.","start":2043.9451,"end":2052.5051,"sentiment":"neutral","sentiment_score":-0.045355630572885275},{"text":"Are you wanting to stop working fully at 62, or what age do you think you're gonna stop working fully?","start":2052.5051,"end":2057.325,"sentiment":"neutral","sentiment_score":-0.08535634092986584}],"sentiment":"neutral","sentiment_score":-0.05239588261212943,"channel":0,"num_words":53,"start":2042.905,"end":2057.325},{"sentences":[{"text":"At this stage, probably, it will be retirement age, so I don't think I'll have enough super.","start":2057.81,"end":2062.55,"sentiment":"neutral","sentiment_score":-0.13584641411023982}],"sentiment":"neutral","sentiment_score":-0.13584641411023982,"channel":1,"num_words":17,"start":2057.81,"end":2062.55},{"sentences":[{"text":"What age do you think that is 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that's","start":2208.715,"end":2209.195,"sentiment":"neutral","sentiment_score":-0.06566875614225864}],"sentiment":"neutral","sentiment_score":-0.06566875614225864,"channel":1,"num_words":2,"start":2208.715,"end":2209.195},{"sentences":[{"text":"what?","start":2209.095,"end":2209.595,"sentiment":"neutral","sentiment_score":-0.05937652289867401}],"sentiment":"neutral","sentiment_score":-0.05937652289867401,"channel":0,"num_words":1,"start":2209.095,"end":2209.595},{"sentences":[{"text":"that's also a concern as 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in","start":2211.915,"end":2217.0,"sentiment":"neutral","sentiment_score":-0.04323237845674157}],"sentiment":"neutral","sentiment_score":-0.04323237845674157,"channel":1,"num_words":20,"start":2211.915,"end":2217.0},{"sentences":[{"text":"Yeah.","start":2216.855,"end":2217.355,"sentiment":"neutral","sentiment_score":-0.04970013350248337}],"sentiment":"neutral","sentiment_score":-0.04970013350248337,"channel":0,"num_words":1,"start":2216.855,"end":2217.355},{"sentences":[{"text":"another ten or twelve years time, just the way it's all set up and everything like that, it won't be anywhere near as much because they want the Gen Xs to rely on their super more and just 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greater, you know, benefit to you.","start":2258.6199,"end":2266.8948,"sentiment":"neutral","sentiment_score":0.25205180665542337},{"text":"Okay?","start":2266.9548,"end":2267.4548,"sentiment":"neutral","sentiment_score":0.19755762815475464}],"sentiment":"neutral","sentiment_score":0.23199351682611133,"channel":0,"num_words":46,"start":2254.7,"end":2267.4548},{"sentences":[{"text":"Yep.","start":2267.215,"end":2267.715,"sentiment":"neutral","sentiment_score":0.1810421347618103},{"text":"Alright.","start":2268.015,"end":2268.515,"sentiment":"neutral","sentiment_score":0.3226024806499481}],"sentiment":"neutral","sentiment_score":0.2518223077058792,"channel":1,"num_words":2,"start":2267.215,"end":2268.515},{"sentences":[{"text":"Yep.","start":2268.075,"end":2268.555,"sentiment":"positive","sentiment_score":0.3345864713191986},{"text":"Perfect.","start":2268.555,"end":2269.055,"sentiment":"positive","sentiment_score":0.7427466511726379},{"text":"All good.","start":2269.115,"end":2269.755,"sentiment":"positive","sentiment_score":0.6983872056007385},{"text":"One of the things I do here is a lot of the retirement aspects.","start":2269.755,"end":2272.635,"sentiment":"neutral","sentiment_score":0.2500252510820116},{"text":"So I spend all day talking about retirement advice, talking about looking at age pension, things like that.","start":2272.635,"end":2278.7148,"sentiment":"neutral","sentiment_score":0.1679802673558394}],"sentiment":"neutral","sentiment_score":0.24994738503462738,"channel":0,"num_words":36,"start":2268.075,"end":2278.7148},{"sentences":[{"text":"So you're welcome to come and ask me anything you might have.","start":2278.7148,"end":2281.51,"sentiment":"positive","sentiment_score":0.34784903734301525},{"text":"You're welcome to talk to me about those sort of things, and I'll make sure I factor a lot of that into the advice piece for you so you get a bit of a guide on what we're looking at instead of just focusing on 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sort of one to two to three or even five years goal wise that you might be focusing on or that you might wanna achieve.","start":2300.975,"end":2311.1902,"sentiment":"neutral","sentiment_score":0.1810998091330895}],"sentiment":"neutral","sentiment_score":0.22095642487208048,"channel":0,"num_words":42,"start":2298.895,"end":2311.1902},{"sentences":[{"text":"Yeah.","start":2315.74,"end":2315.82,"sentiment":"neutral","sentiment_score":0.23068372905254364},{"text":"I'd love I would love my super balance to be another 100 odd k more than what it 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and","start":2358.3801,"end":2366.86,"sentiment":"neutral","sentiment_score":0.11420373939748468}],"sentiment":"neutral","sentiment_score":0.16413619890809059,"channel":0,"num_words":45,"start":2353.845,"end":2366.86},{"sentences":[{"text":"Yep.","start":2366.58,"end":2367.08,"sentiment":"neutral","sentiment_score":0.12022913992404938}],"sentiment":"neutral","sentiment_score":0.12022913992404938,"channel":1,"num_words":1,"start":2366.58,"end":2367.08},{"sentences":[{"text":"make it a recommendation to update that to see, you know, what's better performing what might help you out, making sure that we're not overexposing you at the same 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medium?","start":2412.01,"end":2419.05,"sentiment":"neutral","sentiment_score":-0.08762673646784745},{"text":"You still want the best returns you can, or you're not wanting to take any risk in the market and you wanna get the best returns you can for that level?","start":2419.05,"end":2426.03,"sentiment":"neutral","sentiment_score":0.13505149224112112}],"sentiment":"neutral","sentiment_score":0.001214601838788421,"channel":0,"num_words":97,"start":2400.515,"end":2426.03},{"sentences":[{"text":"I'm probably in between medium to high.","start":2427.65,"end":2431.01,"sentiment":"neutral","sentiment_score":-0.024446573108434677},{"text":"I I I","start":2431.01,"end":2431.73,"sentiment":"neutral","sentiment_score":0.09913723419109981}],"sentiment":"neutral","sentiment_score":0.012628569081425668,"channel":1,"num_words":10,"start":2427.65,"end":2431.73},{"sentences":[{"text":"Yep.","start":2431.765,"end":2432.265,"sentiment":"neutral","sentiment_score":0.16724996268749237}],"sentiment":"neutral","sentiment_score":0.16724996268749237,"channel":0,"num_words":1,"start":2431.765,"end":2432.265},{"sentences":[{"text":"I'm I'm not adverse to taking a a risk","start":2431.81,"end":2435.4348,"sentiment":"neutral","sentiment_score":0.13986416326628792}],"sentiment":"neutral","sentiment_score":0.13986416326628792,"channel":1,"num_words":9,"start":2431.81,"end":2435.4348},{"sentences":[{"text":"Yep.","start":2435.845,"end":2436.345,"sentiment":"neutral","sentiment_score":0.1810409277677536}],"sentiment":"neutral","sentiment_score":0.1810409277677536,"channel":0,"num_words":1,"start":2435.845,"end":2436.345},{"sentences":[{"text":"in the short term.","start":2437.095,"end":2438.295,"sentiment":"neutral","sentiment_score":0.20494843274354935},{"text":"Like, you know, if if something's gonna go gangbusters.","start":2438.295,"end":2442.315,"sentiment":"neutral","sentiment_score":0.08537918261976706},{"text":"I'm not adverse to say having someone put, you know, money into an investment portfolio where you're seeing significant gains in a shorter period of 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I'm","start":2468.795,"end":2469.595,"sentiment":"neutral","sentiment_score":0.18269463628530502}],"sentiment":"neutral","sentiment_score":0.3180196362733841,"channel":1,"num_words":25,"start":2461.835,"end":2469.595},{"sentences":[{"text":"Yeah.","start":2469.5,"end":2470.0,"sentiment":"neutral","sentiment_score":0.12319193035364152}],"sentiment":"neutral","sentiment_score":0.12319193035364152,"channel":0,"num_words":1,"start":2469.5,"end":2470.0},{"sentences":[{"text":"probably in that medium to high,","start":2469.595,"end":2471.695,"sentiment":"neutral","sentiment_score":0.1110409249862035}],"sentiment":"neutral","sentiment_score":0.1110409249862035,"channel":1,"num_words":6,"start":2469.595,"end":2471.695},{"sentences":[{"text":"Mhmm.","start":2472.46,"end":2472.96,"sentiment":"neutral","sentiment_score":0.12817086279392242}],"sentiment":"neutral","sentiment_score":0.12817086279392242,"channel":0,"num_words":1,"start":2472.46,"end":2472.96},{"sentences":[{"text":"which then that takes the opportunity of increasing the balance quicker.","start":2473.32,"end":2478.1401,"sentiment":"neutral","sentiment_score":0.23798527433113617}],"sentiment":"neutral","sentiment_score":0.23798527433113617,"channel":1,"num_words":11,"start":2473.32,"end":2478.1401},{"sentences":[{"text":"Yes.","start":2478.715,"end":2479.215,"sentiment":"neutral","sentiment_score":0.02841991186141968}],"sentiment":"neutral","sentiment_score":0.02841991186141968,"channel":0,"num_words":1,"start":2478.715,"end":2479.215},{"sentences":[{"text":"And I know the adverse side to the risk of it, 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look, with with your time horizon you have, you can be willing to take on a bit more risk in the market now.","start":2505.185,"end":2510.705,"sentiment":"neutral","sentiment_score":0.26748587906360627},{"text":"It's not a problem at all.","start":2510.705,"end":2512.17,"sentiment":"positive","sentiment_score":0.4007400373617808},{"text":"The idea is we start taking a bit more risk when you've got, you know, more than ten years or more than, say, six years to access your super.","start":2512.49,"end":2519.23,"sentiment":"neutral","sentiment_score":0.21308431260544677}],"sentiment":"neutral","sentiment_score":0.25395005448691305,"channel":0,"num_words":62,"start":2503.345,"end":2519.23},{"sentences":[{"text":"And then when you are about six years away, we start to really reduce that risk level down a bit.","start":2519.3699,"end":2524.41,"sentiment":"neutral","sentiment_score":0.15210467162542046},{"text":"But at the same time, we wanna not only have high risk investments, but we wanna 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check it every day and and then","start":2594.56,"end":2599.92,"sentiment":"neutral","sentiment_score":-0.12452041318542079}],"sentiment":"neutral","sentiment_score":-0.12205140224911949,"channel":1,"num_words":44,"start":2586.08,"end":2599.92},{"sentences":[{"text":"Yeah.","start":2599.7998,"end":2600.2998,"sentiment":"neutral","sentiment_score":-0.12021728605031969}],"sentiment":"neutral","sentiment_score":-0.12021728605031969,"channel":0,"num_words":1,"start":2599.7998,"end":2600.2998},{"sentences":[{"text":"get concerned that my soup is dropping because it defeats the purpose of what it's there for.","start":2599.92,"end":2604.785,"sentiment":"neutral","sentiment_score":-0.29820429402239185},{"text":"Do you get 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so you're so awkward.","start":2641.225,"end":2643.165,"sentiment":"negative","sentiment_score":-0.3690106213092804},{"text":"If we say with the market reactions that we do see at the moment, the ups and downs, because it is quite volatile and has been over the last few months as well, seeing those downtimes, like, if your portfolio, say, fell by 20% both in CareSoup and in Hub twenty four, we saw a COVID event or something come","start":2643.785,"end":2660.91,"sentiment":"neutral","sentiment_score":-0.1729840469857057}],"sentiment":"neutral","sentiment_score":-0.1880630142413653,"channel":0,"num_words":65,"start":2641.225,"end":2660.91},{"sentences":[{"text":"Yep.","start":2660.875,"end":2661.375,"sentiment":"neutral","sentiment_score":-0.10424789041280746}],"sentiment":"neutral","sentiment_score":-0.10424789041280746,"channel":1,"num_words":1,"start":2660.875,"end":2661.375},{"sentences":[{"text":"like that, Would you be wanting to call us and see what's going on?","start":2660.91,"end":2663.935,"sentiment":"neutral","sentiment_score":-0.10137027448841504},{"text":"Would you be a bit more concerned, maybe wanting to be move money to something more safer, or do you think you just sort of hold and wait and see what happens over the course of the next few months?","start":2663.935,"end":2672.655,"sentiment":"neutral","sentiment_score":-0.16092881690710784},{"text":"How do you think you might react?","start":2672.655,"end":2674.195,"sentiment":"neutral","sentiment_score":-0.10448318719863892}],"sentiment":"neutral","sentiment_score":-0.1407822758936491,"channel":0,"num_words":61,"start":2660.91,"end":2674.195},{"sentences":[{"text":"If it was an if it was an ongoing concern,","start":2676.3801,"end":2681.6802,"sentiment":"neutral","sentiment_score":-0.08205960355699063}],"sentiment":"neutral","sentiment_score":-0.08205960355699063,"channel":1,"num_words":10,"start":2676.3801,"end":2681.6802},{"sentences":[{"text":"Yeah.","start":2682.53,"end":2683.03,"sentiment":"neutral","sentiment_score":-0.04956052452325821}],"sentiment":"neutral","sentiment_score":-0.04956052452325821,"channel":0,"num_words":1,"start":2682.53,"end":2683.03},{"sentences":[{"text":"I would probably either expect you to contact me because that's what I pay you for, or I would contact you just to see what what our options would be.","start":2684.595,"end":2696.3699,"sentiment":"neutral","sentiment_score":-0.07073812348147233},{"text":"I mean,","start":2696.3699,"end":2697.03,"sentiment":"neutral","sentiment_score":-0.020389145240187645}],"sentiment":"neutral","sentiment_score":-0.06759131234139204,"channel":1,"num_words":32,"start":2684.595,"end":2697.03},{"sentences":[{"text":"Yep.","start":2696.785,"end":2697.285,"sentiment":"neutral","sentiment_score":-0.008073844015598297}],"sentiment":"neutral","sentiment_score":-0.008073844015598297,"channel":0,"num_words":1,"start":2696.785,"end":2697.285},{"sentences":[{"text":"I'd probably wait if it was something over a three month period","start":2699.41,"end":2703.5898,"sentiment":"neutral","sentiment_score":-0.04702413051078717}],"sentiment":"neutral","sentiment_score":-0.04702413051078717,"channel":1,"num_words":12,"start":2699.41,"end":2703.5898},{"sentences":[{"text":"Yeah.","start":2704.1602,"end":2704.6602,"sentiment":"neutral","sentiment_score":-0.01948569528758526}],"sentiment":"neutral","sentiment_score":-0.01948569528758526,"channel":0,"num_words":1,"start":2704.1602,"end":2704.6602},{"sentences":[{"text":"just to see if the market corrects itself, which it","start":2705.0898,"end":2707.73,"sentiment":"neutral","sentiment_score":-0.049817555025219916}],"sentiment":"neutral","sentiment_score":-0.049817555025219916,"channel":1,"num_words":10,"start":2705.0898,"end":2707.73},{"sentences":[{"text":"Yep.","start":2707.6,"end":2708.1,"sentiment":"neutral","sentiment_score":-0.024704009294509888}],"sentiment":"neutral","sentiment_score":-0.024704009294509888,"channel":0,"num_words":1,"start":2707.6,"end":2708.1},{"sentences":[{"text":"does tend to tend to do.","start":2707.73,"end":2709.51,"sentiment":"neutral","sentiment_score":-0.02742050029337406}],"sentiment":"neutral","sentiment_score":-0.02742050029337406,"channel":1,"num_words":6,"start":2707.73,"end":2709.51},{"sentences":[{"text":"Yeah.","start":2709.76,"end":2710.26,"sentiment":"neutral","sentiment_score":-0.032507698982954025}],"sentiment":"neutral","sentiment_score":-0.032507698982954025,"channel":0,"num_words":1,"start":2709.76,"end":2710.26},{"sentences":[{"text":"Like, as I said, it bounces been bouncing up and down the last, you know, even two days.","start":2710.125,"end":2714.285,"sentiment":"neutral","sentiment_score":-0.059773674752149314},{"text":"So, you know, oil was a $116 a barrel on Monday, and it was $93 yesterday.","start":2714.285,"end":2719.585,"sentiment":"neutral","sentiment_score":-0.08908441988751292},{"text":"So it's going up and down like a yoyo at the moment.","start":2719.645,"end":2723.085,"sentiment":"neutral","sentiment_score":-0.1821909360587597},{"text":"So that's that's tending to dictate dictate what happens to the rest of the market.","start":2723.085,"end":2728.4102,"sentiment":"neutral","sentiment_score":-0.15241387337446213},{"text":"So","start":2728.4102,"end":2728.9102,"sentiment":"neutral","sentiment_score":-0.05882551893591881}],"sentiment":"neutral","sentiment_score":-0.11342905993543324,"channel":1,"num_words":62,"start":2710.125,"end":2728.9102},{"sentences":[{"text":"Yeah.","start":2729.02,"end":2729.52,"sentiment":"neutral","sentiment_score":-0.053697265684604645}],"sentiment":"neutral","sentiment_score":-0.053697265684604645,"channel":0,"num_words":1,"start":2729.02,"end":2729.52},{"sentences":[{"text":"I guess it's more of a I'm attend I I tend to be a wait and see type of person","start":2730.4102,"end":2735.6301,"sentiment":"neutral","sentiment_score":-0.06662620957940817}],"sentiment":"neutral","sentiment_score":-0.06662620957940817,"channel":1,"num_words":20,"start":2730.4102,"end":2735.6301},{"sentences":[{"text":"Mhmm.","start":2736.235,"end":2736.735,"sentiment":"neutral","sentiment_score":-0.03859694674611091}],"sentiment":"neutral","sentiment_score":-0.03859694674611091,"channel":0,"num_words":1,"start":2736.235,"end":2736.735},{"sentences":[{"text":"and then look at my options from there after that.","start":2737.595,"end":2739.9348,"sentiment":"neutral","sentiment_score":-0.04915402382612229}],"sentiment":"neutral","sentiment_score":-0.04915402382612229,"channel":1,"num_words":10,"start":2737.595,"end":2739.9348},{"sentences":[{"text":"Okay.","start":2740.235,"end":2740.735,"sentiment":"neutral","sentiment_score":0.1526702344417572},{"text":"Perfect.","start":2740.795,"end":2741.295,"sentiment":"positive","sentiment_score":0.46016132831573486},{"text":"Excellent.","start":2741.675,"end":2742.175,"sentiment":"positive","sentiment_score":0.530410885810852},{"text":"All good.","start":2742.395,"end":2743.215,"sentiment":"positive","sentiment_score":0.5760189294815063},{"text":"Lovely.","start":2744.395,"end":2744.895,"sentiment":"positive","sentiment_score":0.5492573976516724}],"sentiment":"positive","sentiment_score":0.4740896175305049,"channel":0,"num_words":6,"start":2740.235,"end":2744.895},{"sentences":[{"text":"Well, having a look at that now, the portfolio we sorta have you in, it looks like it's more of a high growth sort of portfolio from where you were.","start":2744.955,"end":2751.8499,"sentiment":"neutral","sentiment_score":0.10308975415925185}],"sentiment":"neutral","sentiment_score":0.10308975415925185,"channel":0,"num_words":30,"start":2744.955,"end":2751.8499},{"sentences":[{"text":"Yep.","start":2751.66,"end":2752.16,"sentiment":"neutral","sentiment_score":-0.017568979412317276}],"sentiment":"neutral","sentiment_score":-0.017568979412317276,"channel":1,"num_words":1,"start":2751.66,"end":2752.16},{"sentences":[{"text":"In saying that a high growth investor has about eight years before they're wanting to access their suite.","start":2753.3499,"end":2758.23,"sentiment":"neutral","sentiment_score":-0.03180485648206539},{"text":"But, generally, you're expecting kind of eight to 10% returns on a yearly basis there, but you do expect a likelihood of a negative return sort of one in every five years as well.","start":2758.23,"end":2768.2551,"sentiment":"neutral","sentiment_score":-0.290184365475879}],"sentiment":"neutral","sentiment_score":-0.20074530467032814,"channel":0,"num_words":52,"start":2753.3499,"end":2768.2551},{"sentences":[{"text":"Yes.","start":2768.795,"end":2769.295,"sentiment":"neutral","sentiment_score":-0.05243640765547752}],"sentiment":"neutral","sentiment_score":-0.05243640765547752,"channel":1,"num_words":1,"start":2768.795,"end":2769.295},{"sentences":[{"text":"We can look at maybe reducing your exposure, looking at more of a growth portfolio, which sees 80% in those growth investments.","start":2769.195,"end":2776.735,"sentiment":"neutral","sentiment_score":-0.05363699658350511},{"text":"Again, the likelihood of a negative return is that one in five, and we're expecting or hoping for around about seven to 9% as a return.","start":2777.6099,"end":2784.91,"sentiment":"neutral","sentiment_score":-0.22164380106215292},{"text":"Did you want me to sort of bring the risk level down just a little bit to that growth sort of environment, still giving you the eighty twenty split, still looking at some of those, the gold and silver and things like that.","start":2785.21,"end":2795.955,"sentiment":"neutral","sentiment_score":-0.045323911794396335},{"text":"But just maybe bringing it back a bit for the for the next maybe year or so, or did you wanna stay in that high growth environment?","start":2795.955,"end":2803.415,"sentiment":"neutral","sentiment_score":-0.017633562562642275},{"text":"What do you feel?","start":2803.795,"end":2804.855,"sentiment":"neutral","sentiment_score":-0.0611166013404727}],"sentiment":"neutral","sentiment_score":-0.07878896355873248,"channel":0,"num_words":122,"start":2769.195,"end":2804.855},{"sentences":[{"text":"Again, I'm not yeah.","start":2811.55,"end":2816.93,"sentiment":"neutral","sentiment_score":-0.19734959304332733},{"text":"Sorry.","start":2816.99,"end":2817.49,"sentiment":"neutral","sentiment_score":-0.1741190254688263},{"text":"My dog","start":2817.79,"end":2818.3499,"sentiment":"neutral","sentiment_score":-0.0967106893658638}],"sentiment":"neutral","sentiment_score":-0.16527696805340902,"channel":1,"num_words":7,"start":2811.55,"end":2818.3499},{"sentences":[{"text":"That's okay.","start":2818.055,"end":2818.795,"sentiment":"neutral","sentiment_score":-0.03536587581038475}],"sentiment":"neutral","sentiment_score":-0.03536587581038475,"channel":0,"num_words":2,"start":2818.055,"end":2818.795},{"sentences":[{"text":"my dog nearly we just had a call change come through, and my dog nearly got out.","start":2818.3499,"end":2822.1099,"sentiment":"neutral","sentiment_score":-0.22241653940256903},{"text":"So","start":2822.1099,"end":2822.415,"sentiment":"neutral","sentiment_score":-0.01761632412672043}],"sentiment":"neutral","sentiment_score":-0.2110387496650219,"channel":1,"num_words":18,"start":2818.3499,"end":2822.415},{"sentences":[{"text":"Oh, no.","start":2822.855,"end":2823.4148,"sentiment":"neutral","sentiment_score":-0.05033979192376137},{"text":"You're right.","start":2823.4148,"end":2824.1548,"sentiment":"neutral","sentiment_score":0.03387703560292721}],"sentiment":"neutral","sentiment_score":-0.00823137816041708,"channel":0,"num_words":4,"start":2822.855,"end":2824.1548},{"sentences":[{"text":"so","start":2824.175,"end":2824.675,"sentiment":"neutral","sentiment_score":0.09059303998947144}],"sentiment":"neutral","sentiment_score":0.09059303998947144,"channel":1,"num_words":1,"start":2824.175,"end":2824.675},{"sentences":[{"text":"It's all good.","start":2824.2148,"end":2825.1948,"sentiment":"neutral","sentiment_score":0.17607940485080084}],"sentiment":"neutral","sentiment_score":0.17607940485080084,"channel":0,"num_words":3,"start":2824.2148,"end":2825.1948},{"sentences":[{"text":"can you repeat that again for me?","start":2825.055,"end":2826.655,"sentiment":"neutral","sentiment_score":0.010671614802309446},{"text":"I do apologize.","start":2826.655,"end":2827.395,"sentiment":"neutral","sentiment_score":-0.09275587151447932}],"sentiment":"neutral","sentiment_score":-0.020356631092727184,"channel":1,"num_words":10,"start":2825.055,"end":2827.395},{"sentences":[{"text":"No.","start":2827.9749,"end":2828.2148,"sentiment":"neutral","sentiment_score":-0.051472678780555725},{"text":"You are absolutely fine.","start":2828.2148,"end":2829.515,"sentiment":"neutral","sentiment_score":0.07629631832242012},{"text":"With where you are at the moment, like, the growth portfolio, did you hear the the information on the high growth portfolio?","start":2830.08,"end":2835.4402,"sentiment":"neutral","sentiment_score":-0.007832893001084978},{"text":"Was it the last thing you kind of heard?","start":2835.4402,"end":2837.86,"sentiment":"neutral","sentiment_score":-0.04764932104282909}],"sentiment":"neutral","sentiment_score":-0.00965152613611685,"channel":0,"num_words":36,"start":2827.9749,"end":2837.86},{"sentences":[{"text":"Yeah.","start":2839.0198,"end":2839.3398,"sentiment":"neutral","sentiment_score":0.03974839299917221},{"text":"I 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sorry.","start":2844.015,"end":2844.575,"sentiment":"neutral","sentiment_score":-0.08346149511635303},{"text":"You go.","start":2844.575,"end":2845.155,"sentiment":"neutral","sentiment_score":-0.06606445088982582}],"sentiment":"neutral","sentiment_score":-0.00846545808017254,"channel":0,"num_words":10,"start":2840.32,"end":2845.155},{"sentences":[{"text":"No.","start":2845.0999,"end":2845.3398,"sentiment":"neutral","sentiment_score":-0.12269674241542816},{"text":"Yeah.","start":2845.3398,"end":2845.5798,"sentiment":"neutral","sentiment_score":-0.03372325375676155},{"text":"You're alright.","start":2845.5798,"end":2846.0598,"sentiment":"neutral","sentiment_score":-0.03328403155319393},{"text":"Sorry.","start":2846.0598,"end":2846.5598,"sentiment":"neutral","sentiment_score":-0.06608009338378906}],"sentiment":"neutral","sentiment_score":-0.05781363053247333,"channel":1,"num_words":5,"start":2845.0999,"end":2846.5598},{"sentences":[{"text":"You're fine.","start":2846.975,"end":2847.775,"sentiment":"neutral","sentiment_score":0.03936993144452572},{"text":"What we could look at doing with the amount of volatility we are seeing at the moment, we could look at just reducing it back a little bit.","start":2847.775,"end":2853.375,"sentiment":"neutral","sentiment_score":-0.06157534423151186},{"text":"Going from that high growth environment, it's reducing your exposure into those growth assets by around about 10%.","start":2853.375,"end":2859.0598,"sentiment":"neutral","sentiment_score":0.005370651268296772},{"text":"So we're kinda just pulling back a small amount 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moment.","start":2874.685,"end":2880.945,"sentiment":"neutral","sentiment_score":-0.011482914832110206},{"text":"Again, we do expect the likelihood of a negative return about one in every five years, and we're","start":2881.645,"end":2885.98,"sentiment":"neutral","sentiment_score":-0.2758794099920326}],"sentiment":"neutral","sentiment_score":0.004126724315016237,"channel":0,"num_words":73,"start":2863.0598,"end":2885.98},{"sentences":[{"text":"Yep.","start":2885.825,"end":2886.325,"sentiment":"neutral","sentiment_score":-0.05483825132250786}],"sentiment":"neutral","sentiment_score":-0.05483825132250786,"channel":1,"num_words":1,"start":2885.825,"end":2886.325},{"sentences":[{"text":"hoping you're pushing for about a seven to 9% return for this sort of portfolio.","start":2885.98,"end":2890.24,"sentiment":"neutral","sentiment_score":-0.02912683356553316},{"text":"But this is pulling you back a little bit to begin with.","start":2890.38,"end":2892.94,"sentiment":"neutral","sentiment_score":-0.06500258762389421},{"text":"Do you feel fairly fairly comfortable looking at that maybe?","start":2892.94,"end":2895.5999,"sentiment":"neutral","sentiment_score":0.057789576798677446},{"text":"Yep.","start":2895.735,"end":2896.235,"sentiment":"neutral","sentiment_score":0.10183196514844894}],"sentiment":"neutral","sentiment_score":-0.014136995311434331,"channel":0,"num_words":38,"start":2885.98,"end":2896.235},{"sentences":[{"text":"Yeah.","start":2895.89,"end":2896.39,"sentiment":"neutral","sentiment_score":0.14333228766918182},{"text":"Anything that's gonna get me anything that's going to allow me to increase 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necessarily isn't gonna decrease the returns, but it is just putting you in more of a not so much a safer position, but more of a defensive position.","start":2915.9001,"end":2922.94,"sentiment":"neutral","sentiment_score":0.009525842001212054},{"text":"Does that feel more comfortable?","start":2922.94,"end":2924.1401,"sentiment":"neutral","sentiment_score":0.15664815455675124},{"text":"Does that make sense?","start":2924.1401,"end":2925.2,"sentiment":"neutral","sentiment_score":0.16273042559623718}],"sentiment":"neutral","sentiment_score":0.0588335331593608,"channel":0,"num_words":58,"start":2907.175,"end":2925.2},{"sentences":[{"text":"Yeah.","start":2925.81,"end":2926.21,"sentiment":"neutral","sentiment_score":0.073323093354702},{"text":"Alright.","start":2926.21,"end":2926.71,"sentiment":"neutral","sentiment_score":0.08234260231256485},{"text":"So for 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super should I have in there now,","start":2932.37,"end":2934.675,"sentiment":"neutral","sentiment_score":0.061049125260776944}],"sentiment":"neutral","sentiment_score":0.061049125260776944,"channel":1,"num_words":9,"start":2932.37,"end":2934.675},{"sentences":[{"text":"Let me just","start":2936.115,"end":2936.675,"sentiment":"neutral","sentiment_score":0.057972218841314316}],"sentiment":"neutral","sentiment_score":0.057972218841314316,"channel":0,"num_words":3,"start":2936.115,"end":2936.675},{"sentences":[{"text":"ideally?","start":2936.5151,"end":2937.0151,"sentiment":"neutral","sentiment_score":0.060430895537137985}],"sentiment":"neutral","sentiment_score":0.060430895537137985,"channel":1,"num_words":1,"start":2936.5151,"end":2937.0151},{"sentences":[{"text":"have a look at the, yeah, you're right.","start":2936.675,"end":2938.37,"sentiment":"neutral","sentiment_score":0.07323769899085164},{"text":"Let me just have a 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have to update your ID as well, look at your ID on file has expired.","start":3516.465,"end":3521.5251,"sentiment":"neutral","sentiment_score":0.03244451309243838},{"text":"So I'll get you to send me a copy of your ID.","start":3521.665,"end":3524.245,"sentiment":"neutral","sentiment_score":0.10116085410118103}],"sentiment":"neutral","sentiment_score":0.11127143162996211,"channel":0,"num_words":47,"start":3511.585,"end":3524.245},{"sentences":[{"text":"I'll add in the date and time for your pre assessment and a reminder for your SOA presentation on the thirty first, and I'll get stuck into this research for you.","start":3524.3052,"end":3533.0999,"sentiment":"neutral","sentiment_score":0.120648417261339},{"text":"How does that sound?","start":3533.0999,"end":3534.24,"sentiment":"neutral","sentiment_score":0.07289057970046997}],"sentiment":"neutral","sentiment_score":0.11519037868295397,"channel":0,"num_words":35,"start":3524.3052,"end":3534.24},{"sentences":[{"text":"That's the end 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The speaker emphasizes the importance of life and t b d TPD for health and retirement plans, as well as balancing retirement savings and longevity for long-term success. The agent provides information on benefits of death benefit insurance and sends a financial services guide and annual review pack, along with a reminder for the customer's SOA presentation and annual review pack."},"intents":{"segments":[{"text":"I had you booked in to go through an annual review today. Is now still a good time there for you?","start_word":29,"end_word":49,"intents":[{"intent":"Confirm review time","confidence_score":0.0027748859}]},{"text":"And just to do security there with you as well, we are discussing your personal information. So I'll just need to confirm your full name, date of birth, and address I should have on file. Yep.","start_word":147,"end_word":182,"intents":[{"intent":"Discuss security","confidence_score":0.5010376}]},{"text":"6 Niagara Way in Werribee, Victoria 3030. Beautiful.","start_word":194,"end_word":201,"intents":[{"intent":"Address location","confidence_score":0.00008555171}]},{"text":"You had a couple of questions there about wanting to maybe look at trends as your retirement strategies and review your super as well. Is that right? Is there anything else that might be important to touch base on today?","start_word":249,"end_word":288,"intents":[{"intent":"Discuss trends","confidence_score":0.20291936}]},{"text":"soup has sort of been stagnant over the past three or so months and with not Yep. much movement. And, of course, I haven't even looked this week given what's been going on over in The Middle East. So I know soup has taken a hit, so Yeah.","start_word":304,"end_word":351,"intents":[{"intent":"Clarify concern","confidence_score":0.000088543646}]},{"text":"Having a look at the way the market has reacted and your portfolio over the last twelve months, now your return is lower at the moment. The return for the last twelve months for a whole in your portfolio is actually just over 1%. So it's 0.7 for the year, which is quite low. Definitely not what we would have wanted.","start_word":519,"end_word":579,"intents":[{"intent":"Resolve portfolio issues","confidence_score":0.0018452917}]},{"text":"Bennelong, as opposed to as part of their strategy, be updating their underlying investments within the funds there to sort of make sure they're invested in the highest quality.","start_word":724,"end_word":752,"intents":[{"intent":"Update underlying investments","confidence_score":0.51864576}]},{"text":"unfortunately meant that Benelongs had to reevaluate Corporate Traveler as an investment, which meant that all of our analysts have gone back and reevaluated Benelong.","start_word":810,"end_word":834,"intents":[{"intent":"Reevaluate investment","confidence_score":0.016469084}]},{"text":"Part of the review I wanna do today is to update the advice. We do wanna remove that from the portfolios now completely. As much as we don't realistically wanna be selling things when they are in a dip, it is important to take what we can out of there now. And Yep.","start_word":872,"end_word":924,"intents":[{"intent":"Receive advice","confidence_score":0.00025050997}]},{"text":"But I also wanted to have a chat to you a bit more about your other goals around the retirement aspect because you're 55 now.","start_word":971,"end_word":995,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.011801467}]},{"text":"I will have a look at sort of what else is important with regard to investments. But is there anything that sort of piques your interest anywhere you would like to see your super mainly invested in or anything else you want us to maybe take advantage of or have a look at for you investment wise?","start_word":1105,"end_word":1161,"intents":[{"intent":"Explore investments","confidence_score":0.025050966}]},{"text":"So as much as it's a much smaller return than we'd normally expect, it is good to see it isn't still a positive return there.","start_word":1647,"end_word":1671,"intents":[{"intent":"Improve portfolio balance and review","confidence_score":0.0000033917931}]},{"text":"And we can update that advice piece to sort of really give you an idea on where we're heading, where we're tracking, and what this looks like to help you along with your goals there. Okay?","start_word":1828,"end_word":1863,"intents":[{"intent":"Update advice piece","confidence_score":0.24577199}]},{"text":"Now looking forward at your goals there, when are you sort of hoping to be able to maybe retire, access your super?","start_word":1868,"end_word":1889,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.02970459},{"intent":"Discuss future plans","confidence_score":0.011537199},{"intent":"Discuss future plans","confidence_score":0.11491193},{"intent":"Discuss future plans","confidence_score":0.11959462}]},{"text":"I'm also looking with my insurances through Hub. Can I set them up set up a death death insurance and all that type of stuff that I've currently still got in my CareSuper?","start_word":1995,"end_word":2027,"intents":[{"intent":"Discuss insurance options","confidence_score":0.07009224}]},{"text":"So when we do sort of retain something like CareSoup, but we do only really wanna retain that for a period of time until we can either get new cover or you no longer need that cover because you are paying more in the way of fees. And if we can kinda consolidate everything into one place, you do have that benefit of more money makes more money.","start_word":2103,"end_word":2170,"intents":[{"intent":"Retain a portion","confidence_score":0.000018157309},{"intent":"Discuss financial consolidation","confidence_score":0.002848564}]},{"text":"Are you wanting sort of life, TPD, and income protection like you have now, or is it just life?","start_word":2269,"end_word":2287,"intents":[{"intent":"Provide information about tpdd and income protection","confidence_score":0.000014371576}]},{"text":"Are you wanting sort of life, TPD, and income protection like you have now, or is it just life? What's important to you with regard to the Well, insurances?","start_word":2269,"end_word":2297,"intents":[{"intent":"Discuss insurance requirements","confidence_score":0.00015030538}]},{"text":"Are you wanting sort of life, TPD, and income protection like you have now, or is it just life? What's important to you with regard to the Well, insurances? probably life and t b d TPD are the two most important ones. Yep.","start_word":2269,"end_word":2311,"intents":[{"intent":"Discuss cpd and cpd coverage","confidence_score":0.008955877}]},{"text":"probably life and t b d TPD are the two most important ones. Yep.","start_word":2298,"end_word":2311,"intents":[{"intent":"Inquire about super and cpd status","confidence_score":0.0004832477}]},{"text":"But I'm looking I'm looking at a a a death benefit insurance of roughly around about the $3.50 to 400 that I've currently got in my care account. Okay.","start_word":2434,"end_word":2462,"intents":[{"intent":"Discuss cpd and death benefit insurance","confidence_score":0.0016596137}]},{"text":"Because with the death benefit you have there at the moment, now I've got down here that you've got no assets noted. So are you renting where you are at the moment? Yeah.","start_word":2513,"end_word":2545,"intents":[{"intent":"Explain situation about assets","confidence_score":0.000020532552}]},{"text":"How much rent are you paying on a regular basis?","start_word":2550,"end_word":2559,"intents":[{"intent":"Provide information","confidence_score":0.028750185}]},{"text":"47 a month. So you can Maybe round 40 it up to 18 fifty per 50. month. Yeah. That's okay. Because, realistically, that's one of the biggest things. If if you were to pass away prematurely, obviously, the the the rent still has to be paid, so your wife doesn't need to cover your rent continuously. Yep. Yep.","start_word":2561,"end_word":2618,"intents":[{"intent":"Request rent adjuster","confidence_score":0.00007607944}]},{"text":"Wait till I update the advice for you. I will try and have the advice done really fast to make it easier on you. We'll go through it.","start_word":2724,"end_word":2751,"intents":[{"intent":"Offer advice","confidence_score":0.00951806}]},{"text":"So it's about just sort of looking at how you guys might have to fund the funeral.","start_word":3345,"end_word":3361,"intents":[{"intent":"Fund funeral","confidence_score":0.101313114}]},{"text":"Would she have to maybe access some savings or ask a friend?","start_word":3370,"end_word":3381,"intents":[{"intent":"Access savings","confidence_score":0.3482362}]},{"text":"Do you have much in the way of expendable income that you are able to maybe invest elsewhere to set up, like, a funeral No. policy or something?","start_word":3416,"end_word":3443,"intents":[{"intent":"Set up funeral policy","confidence_score":0.3304383}]},{"text":"Another thing I'm just sort of looking at the options wise is with the life insurance, if I was to maybe draw up a bit of a quote and maybe recommend just a small portion of that life cover we paid outside of super, that can, in the event of death, provide, like, a lump sum benefit paid down for a funeral that can be paid out generally within twenty four hours once the death certificate has been provided to the insurer.","start_word":3547,"end_word":3628,"intents":[{"intent":"Draw up quote","confidence_score":0.024504246}]},{"text":"to see that, or do you just want me to add that into the recommendation to sort of show you what this looks like to give you a backup option in the event of Yeah.","start_word":3655,"end_word":3689,"intents":[{"intent":"Add backup option in future","confidence_score":0.0009958945}]},{"text":"And the way we sort of look at this is that with the life cover, most of it would be paid in side super. So you have the benefit of not having to pay Yep. the premiums out of your back pocket there. But it's normally in a very small portion, and it's called flexi linking. And, essentially, a small portion paid out of your back pocket, normally, that sort of two to 5% there. Yep.","start_word":3722,"end_word":3797,"intents":[{"intent":"Provide life insurance information","confidence_score":0.0014337155},{"intent":"Structure life cover","confidence_score":0.18271945}]},{"text":"You can access an own definition. That means that if you were TBD'd, you would only have to they look at the Antioch patient definition first. But then if you don't meet that, they look at what you were doing prior to the disability, and it's much easier to claim on not being able to go back to your occupation prior to disability rather than any occupation Yeah.","start_word":3912,"end_word":3979,"intents":[{"intent":"Access own definition","confidence_score":0.5792827}]},{"text":"That means that if you were TBD'd, you would only have to they look at the Antioch patient definition first. But then if you don't meet that, they look at what you were doing prior to the disability, and it's much easier to claim on not being able to go back to your occupation prior to disability rather than any occupation Yeah.","start_word":3918,"end_word":3979,"intents":[{"intent":"Obtain definition","confidence_score":0.07578281}]},{"text":"And I can control what happens inside my vehicle, but I can't Yeah. control what happens outside my vehicle, Absolutely.","start_word":4015,"end_word":4034,"intents":[{"intent":"Control vehicle behavior","confidence_score":0.010392112}]},{"text":"Does that make sense? Sorry.","start_word":4338,"end_word":4342,"intents":[{"intent":"Clarify benefits","confidence_score":0.25401366}]},{"text":"if you're under the age of 60, tax is actually on the TBD payout. It's on the taxable component inside super, and it's up to 22% depending on a few factors.","start_word":4486,"end_word":4516,"intents":[{"intent":"Explain tax deductibles","confidence_score":0.0010585733}]},{"text":"It does reduce the amount that you're able to claim on. I can look at trying to bump it up to account for the 22% tax so that the amount you get paid is at 300 so $3.50 to 400 after the tax is considered, which gives you a a higher amount.","start_word":4755,"end_word":4806,"intents":[{"intent":"Reducing tax cost","confidence_score":0.0062588155},{"intent":"Reducing super component tax rate","confidence_score":0.00057747005}]},{"text":"keep it keep it cost effective for now. And if you had the claim, then we do everything we can advise wise to minimize the tax consequences for you. Alright.","start_word":4909,"end_word":4938,"intents":[{"intent":"Maximizing tax consequences","confidence_score":0.3502003}]},{"text":"on the actual super component itself, on the super So balance itself, would would you if get text on that?","start_word":5113,"end_word":5132,"intents":[{"intent":"Requesting text on super soclear text","confidence_score":0.002148594}]},{"text":"that clear it up? Does that make it a bit clearer for you? Yeah.","start_word":5221,"end_word":5234,"intents":[{"intent":"Clarify information","confidence_score":0.059151627}]},{"text":"There is one other type of insurance I just have to talk to you about. It's called trauma. I don't know if anyone's ever spoken to you about what trauma is. Trauma tends to pay out a lump sum tax free benefit if you were diagnosed with, say, a heart attack, a stroke, certain neurological conditions, cancer is probably the biggest one. Yep.","start_word":5539,"end_word":5601,"intents":[{"intent":"Discuss trauma treatment on life and tb","confidence_score":0.000024953617}]},{"text":"Did you want me to look at maybe making a recommendation for trauma, or you're happy just to focus on the life and TB, not interested in anything more? Make a recommendation.","start_word":5633,"end_word":5664,"intents":[{"intent":"Recommend recommendations for trauma","confidence_score":0.00032270217},{"intent":"Consider trauma treatment","confidence_score":0.000019518247},{"intent":"Consider options for trauma treatment","confidence_score":0.0012337159},{"intent":"Discuss the impact of trauma on the speaker's decision","confidence_score":9.60342e-7}]},{"text":"One thing we do like to take into account and is really important to consider is contents. Do you guys have contents insurance?","start_word":5837,"end_word":5859,"intents":[{"intent":"Address contents concerns","confidence_score":0.01422403}]},{"text":"I'm just logging in to hub 24 to check that for you because we do wanna that is another factor to kind of take into account. Mhmm.","start_word":6195,"end_word":6221,"intents":[{"intent":"Set up hub 24","confidence_score":0.0006317593}]},{"text":"We can come back and look at that, and then I can organize that additional rollover for you and everything else. Is that okay? Yep.","start_word":6573,"end_word":6597,"intents":[{"intent":"Manage retirement strategy","confidence_score":0.025260994}]},{"text":"So just so you're fully aware, age 67 is the age we're eligible to access the age pension. Under Yep.","start_word":6939,"end_word":6958,"intents":[{"intent":"Access age pension","confidence_score":0.4875657},{"intent":"Qualify for age pension","confidence_score":0.023912968}]},{"text":"So just so you're fully aware, age 67 is the age we're eligible to access the age pension. Under Yep. the current legislation, retirement age is actually age 60 for your super if you decide to stop working fully then. So you can retire at 60, access your super fully tax free. At Yep.","start_word":6939,"end_word":6992,"intents":[{"intent":"Determine retirement age eligibility","confidence_score":0.05984007},{"intent":"Determine retirement age requirements","confidence_score":0.0007519035},{"intent":"Determine retirement age eligibility","confidence_score":0.13534856},{"intent":"Determine retirement age","confidence_score":0.024272975}]},{"text":"I'll also I can also factor in some Centrelink to see if maybe you'll be eligible for Centrelink down there and look at what the longevity asset looks like for you. Happy So with that?","start_word":7090,"end_word":7124,"intents":[{"intent":"Consider centrelink eligibility","confidence_score":0.021135002}]},{"text":"It's probably it's probably not enough in my super to be able to cover my current lifestyle. That's okay.","start_word":7160,"end_word":7178,"intents":[{"intent":"Determine life style","confidence_score":0.0010088664}]},{"text":"One of the things I do here is a lot of the retirement aspects. So I spend all day talking about retirement advice, talking about looking at age pension, things like that. So you're welcome to come and ask me anything you might have.","start_word":7588,"end_word":7631,"intents":[{"intent":"Share retirement advice","confidence_score":0.0010165651}]},{"text":"You're welcome to talk to me about those sort of things, and I'll make sure I factor a lot of that into the advice piece for you so you get a bit of a guide on what we're looking at instead of just focusing on super, just the accumulation. This is sort of showing you a little bit of what that looks like when you get to the end of that tunnel there. Okay? Alright.","start_word":7633,"end_word":7707,"intents":[{"intent":"Guide advisors on asset allocation","confidence_score":1.2752652e-7}]},{"text":"The next question here is essentially asking, what sort of risk are you willing to take to try and get those greater returns knowing we do have the ups and downs in the market at the moment?","start_word":8032,"end_word":8068,"intents":[{"intent":"Discuss risk level","confidence_score":0.000799158}]},{"text":"The next one here is just asking if you did see your super fall in value in the next, say, six to twelve months because of what's happening externally, How does that make you feel?","start_word":8484,"end_word":8518,"intents":[{"intent":"Analyze portfolio trends","confidence_score":0.005043689}]},{"text":"What's your normal reaction to sort of downtime like we're seeing? Sorry.","start_word":8783,"end_word":8794,"intents":[{"intent":"Discuss market reactions","confidence_score":0.023517983},{"intent":"Ask about market reaction","confidence_score":0.003425698}]},{"text":"Well, having a look at that now, the portfolio we sorta have you in, it looks like it's more of a high growth sort of portfolio from where you were. Yep.","start_word":9115,"end_word":9145,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.030606162}]},{"text":"We can look at maybe reducing your exposure, looking at more of a growth portfolio, which sees 80% in those growth investments.","start_word":9199,"end_word":9220,"intents":[{"intent":"Assess portfolio opportunities","confidence_score":0.00018673475}]},{"text":"on a on a quicker type basis, go for it. Realistically, to increase the growth, you'd have to increase the risk level, but decreasing the growth is the growth aspect. Not necessarily isn't gonna decrease the returns, but it is just putting you in more of a not so much a safer position, but more of a defensive position. Does that feel more comfortable? Does that make sense? Yeah.","start_word":9614,"end_word":9682,"intents":[{"intent":"Evaluate portfolio benefits","confidence_score":0.014820013}]},{"text":"It just kind of helps us to look at what the retirement aspect looks like and the longevity of your super and whether, you know, Yep. hers can provide a bit of a benefit there as well for you.","start_word":10220,"end_word":10258,"intents":[{"intent":"Review retirement benefits","confidence_score":0.008833328}]},{"text":"As I said, I'm more concerned about getting my my super balance Yep. higher.","start_word":10619,"end_word":10632,"intents":[{"intent":"Clarify super balance","confidence_score":0.25410542}]},{"text":"You you did clarify some things for me. I didn't realize Yeah. that if I wanted to, I could retire at 60 and and Yeah. access super straight away.","start_word":10699,"end_word":10727,"intents":[{"intent":"Clarify future plans","confidence_score":0.16710271}]},{"text":"I am just gonna send you an email after the call as well. It'll have the annual review documents in there. So Yep.","start_word":10778,"end_word":10800,"intents":[{"intent":"Send email","confidence_score":0.013075381}]},{"text":"it's important that we do update our ongoing service agreement for the next twelve months.","start_word":10801,"end_word":10815,"intents":[{"intent":"Update service agreement","confidence_score":0.7308023}]},{"text":"Now I do need to just book in a time for one of my lovely team members to go through a bit of a pre assessment for you. Is there a day or time that generally suits you better for them to run through this?","start_word":11181,"end_word":11225,"intents":[{"intent":"Contact and schedule pre assessment","confidence_score":0.0005068688}]},{"text":"I'll book it in for 02:30 for you.","start_word":11327,"end_word":11334,"intents":[{"intent":"Book appointment","confidence_score":0.11956676}]},{"text":"I am gonna have to update your ID as well, look at your ID on file has expired. So I'll get you to send me a copy of your ID.","start_word":11632,"end_word":11661,"intents":[{"intent":"Update id","confidence_score":0.5031318}]},{"text":"I'm so sorry, Darren. I know it's a lot. I did a really good review, and I was like, look. We've got a bit to talk about here. We wanna go through things and really update everything for you.","start_word":11713,"end_word":11751,"intents":[{"intent":"Update information","confidence_score":0.33004627}]}]},"sentiments":{"segments":[{"text":"Hi. Darren speaking. Hi, Darren. It's Dana from Okie Financial. How are you this afternoon?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.10848093777894974},{"text":"Good, Dana.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.40048980712890625},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.291778564453125},{"text":"I'm very well. Thank you. Thank you for asking.","start_word":20,"end_word":28,"sentiment":"positive","sentiment_score":0.5950409770011902},{"text":"I had you booked in to go through an annual review today. Is now still a good time there for you? Yep. That's fine.","start_word":29,"end_word":52,"sentiment":"neutral","sentiment_score":0.21038734912872312},{"text":"Yes. Fantastic. How's your day been so far?","start_word":53,"end_word":60,"sentiment":"positive","sentiment_score":0.386629194021225},{"text":"Yeah. Not too bad.","start_word":61,"end_word":64,"sentiment":"neutral","sentiment_score":0.265194833278656},{"text":"I've just caught up in all my work, so which is good. Fantastic. That's always a good thing, and it's halfway through the week, so we're on our way to the weekend now.","start_word":65,"end_word":97,"sentiment":"positive","sentiment_score":0.5499951243400574},{"text":"Yes. This is true too. Alright.","start_word":98,"end_word":103,"sentiment":"neutral","sentiment_score":0.2488745003938675},{"text":"All good, Darren.","start_word":104,"end_word":106,"sentiment":"positive","sentiment_score":0.3546381890773773},{"text":"Before we jump into the call, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Of course, I am. That's fine.","start_word":107,"end_word":145,"sentiment":"neutral","sentiment_score":0.10511636734008788},{"text":"Lovely.","start_word":146,"end_word":146,"sentiment":"positive","sentiment_score":0.3966929316520691},{"text":"And just to do security there with you as well, we are discussing your personal information. So I'll just need to confirm your full name, date of birth, and address I should have on file. Yep. Darren Anthony Edwards. First the Yes. first nineteen seventy one. Yep. 6 Niagara Way in Werribee, Victoria 3030.","start_word":147,"end_word":200,"sentiment":"neutral","sentiment_score":0.061143659055233},{"text":"Beautiful. Thank you so much for that.","start_word":201,"end_word":207,"sentiment":"positive","sentiment_score":0.5909140706062317},{"text":"I had a bit of a look. I know you did speak to my colleague Samantha the other week to book in the review today.","start_word":208,"end_word":232,"sentiment":"neutral","sentiment_score":0.24708306789398193},{"text":"She did go through a bit of a fax line with you, which is fantastic.","start_word":233,"end_word":247,"sentiment":"positive","sentiment_score":0.47305789589881897},{"text":"Yep. You had a couple of questions there about wanting to maybe look at trends as your retirement strategies and review your super as well. Is that right? Is there anything else that might be important to touch base on today? Primarily, that's it. I know that I just said to Sam last week that Yeah. soup has sort of been stagnant over the past three or so months and with not Yep. much movement. And, of course, I haven't even looked this week given what's been going on over in The Middle East. So I know soup has taken a hit, so Yeah. Yep. I sorta get it. I just wanna check want you to go through my strategy to see if I'm I'm I'm in the right sort of investments for what what's set up. That's all. Yeah. Yeah. That's okay. Not a problem at all. I did sorta have a look at few at things before the call. There is definitely probably some advice to definitely update there for you. I know one of the things was you do have your Care Super insurances at the moment. So I'll start by just giving you an updated balance. We do send you a new review pack after the call as well, so I'll make sure you do get a copy of all these documents sent out to you to be able to review. Yep. But at the moment, having a look at your Super balance there, as of today's date, in Hub twenty four, we have a balance of 187,476 and 47<unk>. Within CareSafe today, a balance of $15,477.86. Having a look at the way the market has reacted and your portfolio over the last twelve months, now your return is lower at the moment. The return for the last twelve months for a whole in your portfolio is actually just over 1%.","start_word":248,"end_word":564,"sentiment":"neutral","sentiment_score":0.010938546917039889},{"text":"So it's 0.7 for the year, which is quite low. Definitely not what we would have wanted.","start_word":564,"end_word":581,"sentiment":"negative","sentiment_score":-0.4767700135707855},{"text":"When I kind of run through all the individual investments and how they performed individually, most of them have done really well. So you do have, like, your Global Healthcare that is showing a little bit of a dip at the moment down about 6%. Your Vanguard conservative index fund is up over 6.48%. European and Asia exposure is up over 35% and about 6% there respectively. The S and P 500 is up around that 7.89.","start_word":581,"end_word":658,"sentiment":"neutral","sentiment_score":0.04437221586704254},{"text":"Your battery and lithium tax done really well. It's the best performer. That's up over 65.49% for the year, which is good.","start_word":658,"end_word":680,"sentiment":"positive","sentiment_score":0.6278172135353088},{"text":"And then the agriculture is up over 31.37% there. Your Bannalong Australian Equities is kind of what's really pulling your portfolio back a little bit. So Bennelong, when that was put into the portfolio, was there to give you some active management in there. Bennelong, as opposed to as part of their strategy, be updating their underlying investments within the funds there to sort of make sure they're invested in the highest quality.","start_word":680,"end_word":751,"sentiment":"neutral","sentiment_score":0.13474783591098255},{"text":"Bannalong, unfortunately, late last year and early this year, had a bit of an issue with one of their underlying investments. I'm not sure if you've seen in the news or not, but Corporate Traveler had come out in when they had disclosed the market, but it had been a bit dishonest to their investors there.","start_word":752,"end_word":807,"sentiment":"negative","sentiment_score":-0.38277551531791687},{"text":"That Yep.","start_word":808,"end_word":809,"sentiment":"neutral","sentiment_score":-0.2943490147590637},{"text":"unfortunately meant that Benelongs had to reevaluate Corporate Traveler as an investment, which meant that all of our analysts have gone back and reevaluated Benelong. In your portfolio as a whole, that is down by 18.35%. So that is what's dragging your portfolio down pretty heavily at the moment.","start_word":810,"end_word":858,"sentiment":"negative","sentiment_score":-0.48348188400268555},{"text":"Swap it at. Swap it We at. wanna get rid of it. Absolutely. Part of the review I wanna do today is to update the advice. We do wanna remove that from the portfolios now completely. As much as we don't realistically wanna be selling things when they are in a dip, it is important to take what we can out of there now. And Yep. maneuvering the portfolio now, we can essentially take the fact that Van Along is down, and we can offset capital gains with the with the losses that Van Along has seen in your portfolio. So Mhmm. as a whole, I definitely wanna get rid of that. But I also wanted to have a chat to you a bit more about your other goals around the retirement aspect because you're 55 now. That's correct. Yes.","start_word":859,"end_word":998,"sentiment":"neutral","sentiment_score":-0.10072512179613112},{"text":"And that's a good thing because you are getting closer and closer to those years where you might be considering accessing super.","start_word":999,"end_word":1020,"sentiment":"positive","sentiment_score":0.3636538088321686},{"text":"So we might have a look at reviewing the super, the portfolio for you, do an updated advice document, but then also look at the retirement aspect for you down the track and look at where this is taking you and what this looks like for your retirement years. Does that sound like something you'd be open to me doing? Yeah. Yep.","start_word":1021,"end_word":1082,"sentiment":"neutral","sentiment_score":0.18839238584041595},{"text":"Perfect. All good.","start_word":1083,"end_word":1085,"sentiment":"positive","sentiment_score":0.5117307305335999},{"text":"So one of the things is we are definitely gonna get rid of Van Along there. That's fine. I will have a look at sort of what else is important with regard to investments. But is there anything that sort of piques your interest anywhere you would like to see your super mainly invested in or anything else you want us to maybe take advantage of or have a look at for you investment wise?","start_word":1086,"end_word":1160,"sentiment":"neutral","sentiment_score":0.17118661284446715},{"text":"Well, gold's always safe. Absolutely.","start_word":1161,"end_word":1165,"sentiment":"positive","sentiment_score":0.4191705882549286},{"text":"I can see there's not any in here that I can see as a whole, so I will definitely have a look at some physical gold for you. Did you want me to look at some silver as well? Yep. So I know it's still not that I'm overly active, but, you know, I I watched the news Yeah. reports and the financial reports. I know silver's going through a surge at the moment as well. Yep. Copper, copper's Yep. always up there.","start_word":1166,"end_word":1248,"sentiment":"neutral","sentiment_score":0.10248306393623352},{"text":"Perfect.","start_word":1249,"end_word":1249,"sentiment":"positive","sentiment_score":0.565342903137207},{"text":"Probably more into the mineral side of it. Yep.","start_word":1250,"end_word":1258,"sentiment":"neutral","sentiment_score":0.2476731240749359},{"text":"So with the lithium and stuff, that's great.","start_word":1259,"end_word":1266,"sentiment":"positive","sentiment_score":0.4301326274871826},{"text":"And Mhmm. that's that's always gonna stay where it is. So I'm I'm looking more at the mineral side of it, such as your gold, your silver, Yep. copper, all that type of stuff. And I know BHP shifted from iron ore into their copper side of their mining of of their so, yeah, the copper's a big one too. Copper's always in demand. So Mhmm. Yep.","start_word":1267,"end_word":1333,"sentiment":"neutral","sentiment_score":0.1434556543827057},{"text":"I'm I'm happy for you to look at something like Yeah. Absolutely. I do definitely like a bit of gold and silver in a portfolio. They are both growth investments, but they do have that defensive capacity to them.","start_word":1334,"end_word":1372,"sentiment":"positive","sentiment_score":0.497857928276062},{"text":"So for me. when Yep. markets aren't doing so well and kinda looking at ways to, you know, reduce the risk level overall when, say, equities aren't performing as well, then people do tend to move money into gold and silver, particularly gold, but silver can work defensively as well.","start_word":1373,"end_word":1422,"sentiment":"neutral","sentiment_score":0.1840062439441681},{"text":"So I will Yep. definitely wanna put some of that in your portfolio, and I can have a look at what to do there.","start_word":1423,"end_word":1446,"sentiment":"positive","sentiment_score":0.4148893654346466},{"text":"With regard to the copper, I can definitely have a look at what options are available, what might be available in Hub 24 for you, but it is also about making sure we're not overexposing you to growth assets and increasing the risk levels. And some of the copper Yep. asset can see Yep. increasing the risk. Did you want me just to focus on the gold and silver with Yeah. keep that It's defensive yeah. aspect? Or yep. If that's the case, yeah, do that. Yep.","start_word":1447,"end_word":1533,"sentiment":"neutral","sentiment_score":0.02800733782351017},{"text":"Yeah. I'm I'm I'm happy for you to do that. That's fine.","start_word":1534,"end_word":1545,"sentiment":"positive","sentiment_score":0.550126314163208},{"text":"Yep.","start_word":1546,"end_word":1546,"sentiment":"neutral","sentiment_score":0.32781100273132324},{"text":"Absolutely. I can do that. Not a problem at all.","start_word":1547,"end_word":1556,"sentiment":"positive","sentiment_score":0.43853291869163513},{"text":"So as part of the research, I'll go back and have a look at everything. I'll come up with an advice piece to show you. It'll show you what we're recommending you, move your money into, how and why the advantages, disadvantages, and the risks involved, and then you get to just to tell me whether you're happy to take that or not. Does that sound like a plan? Yeah. That's fine. Yep. Yep.","start_word":1557,"end_word":1630,"sentiment":"neutral","sentiment_score":0.18094658851623535},{"text":"Perfect. Fantastic.","start_word":1631,"end_word":1632,"sentiment":"positive","sentiment_score":0.6470813751220703},{"text":"So that's just that side of things. But, overall, your portfolio is definitely up. So as much as it's a much smaller return than we'd normally expect, it is good to see it isn't still a positive return there. I did also just pull up your, sorry, documents from the last annual review. So sorry, your last annual review, your balance then was about 162,000 in hub 24 and '18 in CareSoupers. So you have '24, whilst we have rolled some money in, has still had a bit of a benefit of growth over the last Yeah. year But as well there. well, my last annual review was if you have a look, was two years ago. '20 Not 20 last four. year. Yeah. Yep. Yeah. So No. That's it. I didn't Yeah. have one at all last year because I got lost through lost through the gaps in the system. So Yeah. We'll make sure that that doesn't happen moving forward there for you. I do apologize.","start_word":1633,"end_word":1800,"sentiment":"neutral","sentiment_score":0.039728157222270966},{"text":"That's why I wanted to make sure we touch base today and really have a bit of a chat and see where things are going for you. And we can update that advice piece to sort of really give you an idea on where we're heading, where we're tracking, and what this looks like to help you along with your goals there.","start_word":1801,"end_word":1862,"sentiment":"positive","sentiment_score":0.391056627035141},{"text":"Okay? Okay. Yep.","start_word":1863,"end_word":1865,"sentiment":"neutral","sentiment_score":0.20319397747516632},{"text":"Yeah. Beautiful.","start_word":1866,"end_word":1867,"sentiment":"positive","sentiment_score":0.6484967470169067},{"text":"Now looking forward at your goals there, when are you sort of hoping to be able to maybe retire, access your super? What would be what you Well, what are you after? I'm looking at probably something in the transition to into retirement, you know, around about 60 to 62 where Mhmm. more so during the the middle months of the year, I can, you know, drop the three days a week where Yep. the demand in my job is not as high. Yep. So that's something that I'm I'm I'm looking at. So Yep. looking at setting something up for that, you know, five years early would be great just to see Mhmm. where we sit and what's required Mhmm. of me at my end. Yeah. I'm also looking with my insurances through Hub. Can I set them up set up a death death insurance and all that type of stuff that I've currently still got in my CareSuper? I don't wanna ultimately, I would love to close down the CareSuper account, but it was left open when Yep. I came across the hub 24 because I've had surgery. And it's been three years since I had the surgery, so the existing Yep. issues are are gone. Yep. So that's what I'm looking at looking at just to basically that way, I'm not paying double fees, if you get what I mean. Yeah. Absolutely. So when we do sort of retain something like CareSoup, but we do only really wanna retain that for a period of time until we can either get new cover or you no longer need that cover because you are paying more in the way of fees.","start_word":1868,"end_word":2149,"sentiment":"neutral","sentiment_score":0.016128942370414734},{"text":"And if we can kinda consolidate everything into one place, you do have that benefit of more money makes more money. So I do definitely agree.","start_word":2150,"end_word":2175,"sentiment":"positive","sentiment_score":0.4461118876934051},{"text":"What I would probably do is I just wanna maybe do a bit of a, have a really good look at your health side of things and do a bit of an updated pre assessment for you. After the call, I'll book in one of my lovely admin team to go through a bit of a pre assessment with you either later this week or early next week to kind of really get a guide for what kind of what you're after, what we're able to obtain when it comes to insurances. Yep. Are you wanting sort of life, TPD, and income protection like you have now, or is it just life? What's important to you with regard to the Well, insurances? probably life and t b d TPD are the two most important ones. Yep. I got the income protection just there just in case, you Yeah. know, I was off off work for any given time. But as I said to Samantha last week, I've got nearly two hundred and eighty hours in sick leave up my sleeve. So I've got I've got more on my sick leave than what I have in my long service leave. So Yeah. and with the qualifying period for PPD as an income, it's still a thirty day thirty to sixty day waiting period before you're eligible for it anyway. So you could be back Yeah. at work by that stage. So That's correct. I'm actually thinking of dropping that out of CareSuper now just thinking Mhmm. about it. Yep. But I'm looking I'm looking at a a a death benefit insurance of roughly around about the $3.50 to 400 that I've currently got in my care account. Okay. Same with CPD. So Yep. that's that's where I'm looking. Okay.","start_word":2176,"end_word":2473,"sentiment":"neutral","sentiment_score":0.04476478695869446},{"text":"So Perfect.","start_word":2474,"end_word":2475,"sentiment":"positive","sentiment_score":0.5200141668319702},{"text":"if you add something happens to me, my wife gets with super as well as the death benefit, then that way I know she's okay for the foreseeable future, if you get what I mean. Yeah. Absolutely. Because with the death benefit you have there at the moment, now I've got down here that you've got no assets noted. So are you renting where you are at the moment? Yeah. We are. Yeah. How much rent are you paying on a regular basis? It's $18.47 a month. So you can Maybe round 40 it up to 18 fifty per 50. month. Yeah. That's okay. Because, realistically, that's one of the biggest things. If if you were to pass away prematurely, obviously, the the the rent still has to be paid, so your wife doesn't need to cover your rent continuously. Yep. Yep. That was $18.50 per month, wasn't it? That's correct. Yeah.","start_word":2476,"end_word":2627,"sentiment":"neutral","sentiment_score":0.06370555659707047},{"text":"Perfect.","start_word":2628,"end_word":2628,"sentiment":"positive","sentiment_score":0.5712577104568481},{"text":"Just like to check that because rents are exorbitant in some areas. Yes. So, yeah, the rent would still definitely have to be paid. So you'd be comfortable with around about the 350 to 400,000 of life and TBD. Realistically, Yep.","start_word":2629,"end_word":2669,"sentiment":"neutral","sentiment_score":0.112412229180336},{"text":"you don't feel there's any benefit to the income protection.","start_word":2670,"end_word":2679,"sentiment":"negative","sentiment_score":-0.3914385437965393},{"text":"You're happy to cancel that? Yep. Yep.","start_word":2680,"end_word":2686,"sentiment":"neutral","sentiment_score":-0.15677259862422943},{"text":"Perfect.","start_word":2687,"end_word":2687,"sentiment":"positive","sentiment_score":0.43201231956481934},{"text":"What So I you can do can you can yeah. you do that on my behalf through Kegs? You've got access. Yeah. Absolutely. Yep. Do What it. I would Yep. do is don't cancel it now. Wait till I update the advice for you. I will try and have the advice done really fast to make it easier on you. We'll go through it. You can see, obviously, the advantages, disadvantages, the risks involved. But I also wanna make sure I can get new cover for you as well.","start_word":2688,"end_word":2776,"sentiment":"neutral","sentiment_score":0.1314815729856491},{"text":"I wanna make sure that the level of cover we can get is gonna give you what you're after.","start_word":2777,"end_word":2795,"sentiment":"positive","sentiment_score":0.34066545963287354},{"text":"It's not gonna cost too much, but it's also not gonna eat away too much if you sleep. Because one of the really big things to consider is as we get older, the risk of us making a claim increases. So insurances do get more expensive as well. So we'll go through this today. I'll get one of the teams to go through a a pre assessment questionnaire with you, get a bit more of an idea. Essentially, it's just more an in-depth question around your health, your past health, what that looks like, and then I can do the research on the insurances, research the super, research the portfolio, and see where this is taking us there. Are you okay with that? Yeah. Confirm.","start_word":2796,"end_word":2920,"sentiment":"neutral","sentiment_score":0.005844659507274628},{"text":"Yep. Beautiful. I wanna make sure we do this properly for you. So I wanna make sure that you can get cover what that looks like, but I wanna make sure your super is also working for you as well.","start_word":2921,"end_word":2960,"sentiment":"positive","sentiment_score":0.42304375767707825},{"text":"There's no point having insurances if it's just gonna eat away all of your super and provide no benefit later on down Yep.","start_word":2961,"end_word":2983,"sentiment":"negative","sentiment_score":-0.4118465483188629},{"text":"the track. So, yep. So Yeah. on the and the reason why I asked this, we recently lost my brother-in-law. Yeah. So I'm so sorry. and it was sudden. So in Yeah. a hypothetical scenario, if Yes. something something happened to me, Yes. how quick could my wife access super Yep. after I pass away? Like, for in in emergency circumstances, like, to cover my funeral and stuff like that. Yep. So with that, as long as she gets the death certificate and is the executor yeah. Is the executor of his state and gets a death certificate and everything straight away, Yeah. The assessment can be done on super. I have done seen super and life insurance assessments done within, say, forty eight to seventy two hours. They Yep. can be done faster, but it does depend upon the assessment and, obviously, the the backlog with the insurance company. Now one of the other things to consider is with life insurance held inside Super, you don't get access to, like, an up up front lump sum benefit to pay for funeral costs. You have to wait for that money to come down. Yes. If you were to, say, hypothetically pass away, does do you guys have access to enough money to, say, cover the cost of a funeral or something No. like that? No. No. So she would need money fairly quickly to help that that Yep. sort of cover. Yep. There are depending on kind of what your expenditure looks like, there are ways to set up, like, funeral bonds and things like that that can pay out. In saying that, if once you turn 60, you have access to all of that money if you decide to retire. So we could always, you know, take a bit of money out. Yep. But the way it is structured at the moment, it can take a couple of days to a week to have that paid out. Essentially, once the assessment is completed, the money is paid out very, very quickly. It can be drawn out as super, very fast to your beneficiary, but it does take that initial assessment. So it's about just sort of looking at how you guys might have to fund the funeral. Do you have money to fall back on? Would she have to maybe access some savings or ask a friend? What do you think what would No. she We have to do in that scenario? we'd have to ask family to help out Yeah. Okay. in the short in the Do short term. yeah. Do you have much in the way of expendable income that you are able to maybe invest elsewhere to set up, like, a funeral No. policy or something? Nothing? No. No. Okay. I mean, I'm I'm Right. the way we work in here is that I'm the I'm I'm the primary income earner. Yeah. So I I cover all the rent to build and all that type of stuff, and my wife's, Yeah. know, my wife probably works between twenty and thirty hours a week, and that Yeah. covers shopping and stuff like that. So Okay. it it's Yeah.","start_word":2984,"end_word":3514,"sentiment":"neutral","sentiment_score":-0.03569062992583139},{"text":"we have very limited savings.","start_word":3515,"end_word":3519,"sentiment":"negative","sentiment_score":-0.3565928637981415},{"text":"Yep. Okay. We're we're, What like, are one the of many thousands and thousands of people who live paycheck to paycheck, unfortunately. that that is completely understandable. Another thing I'm just sort of looking at the options wise is with the life insurance, if I was to maybe draw up a bit of a quote and maybe recommend just a small portion of that life cover we paid outside of super, that can, in the event of death, provide, like, a lump sum benefit paid down for a funeral that can be paid out generally within twenty four hours once the death certificate has been provided to the insurer. If I was to maybe get a quote ahead of time to look at what that might look like for you, would you like Yep. to see that, or do you just want me to add that into the recommendation to sort of show you what this looks like to give you a backup option in the event of Yeah. Because it wouldn't I probably wouldn't need more than say 10 or $15 passing. put aside. Yep. So, Yep.","start_word":3520,"end_word":3707,"sentiment":"neutral","sentiment_score":0.03437615471317413},{"text":"yeah, I'm happy to put it in a in a recommendation. Yeah. Yep. Perfect. And the way we sort of look at this is that with the life cover, most of it would be paid in side super. So you have the benefit of not having to pay Yep. the premiums out of your back pocket there.","start_word":3708,"end_word":3764,"sentiment":"positive","sentiment_score":0.4347822666168213},{"text":"But it's normally in a very small portion, and it's called flexi linking. And, essentially, a small portion paid out of your back pocket, normally, that sort of two to 5% there. Yep. And the same thing comes with TBD. So the other thing to look at is with TBD, in order to be able to claim on that inside super, you have to meet in any any debt occupation definition. So you have to be able to never go back to work again for any occupation for which you are trained, educated, or have worked. So you Yep. can understand it's a pretty hard definition to claim on. If you were to if I was to structure this, so a small portion of your life NTPD, it could be very cheap. I'll make sure it's the most minimal cost possible is paid out of your pocket. You can access an own definition. That means that if you were TBD'd, you would only have to they look at the Antioch patient definition first. But then if you don't meet that, they look at what you were doing prior to the disability, and it's much easier to claim on not being able to go back to your occupation prior to disability rather than any occupation Yeah. you've ever worked or trained. Does that kind of make sense? Yeah. It does. I mean, primarily, I've got the TPD because I'm an account manager, and I'm on the road a bit. Yeah. Yeah. And I can control what happens inside my vehicle, but I can't Yeah. control what happens outside my vehicle, Absolutely. you know, and stuff like that. So if something happens to me and I end up with a touch would never happen, but, you know, I've gotta Yeah. think of these sorts of things. If if I end up with an injury where I I'm incapacitated enough where I can't Mhmm. go back to work, then Yeah. in in my proper role and my employer has to refine my role, then well, Yes. that's why I took out the TPD. So Yep. Yep. That's cost effective as possible to yep. limit the effect, but make sure that you have maybe a small amount of them paid outside of super. Limit the cost as much as possible to maximize the benefit in the event that you're having to claim. Does that sound Yep. Yep. Yep. So Yep. you would set up something like an offset account where money would go into that type of account where it can be accessed outside of super. Correct? Is that how is Halfway. that No. No. It's all good. No. Not quite. So what this is, essentially, with the life and TPD side of things, it's structured so the super fund pays for majority of the premiums. but A yes. small portion, generally around about three to 5%, would be paid out of your bank account, your credit card, or however you would wanna pay the premiums. That out of pocket cost comes out of your card or bank account on a monthly basis or weekly, however you wanna structure Yep. it. It's Yep. a smaller cost. Most of it's paid out of super, but that small premium paid outside of super out of your bank account or credit card, that allows you to access this additional benefits that aren't available to policies held Okay. solely inside Super. Does that make sense? Sorry. It does it does now. Yep. Yeah.","start_word":3765,"end_word":4349,"sentiment":"neutral","sentiment_score":0.05120580500135055},{"text":"That's okay. That's all good. It's really good to kinda clarify these things.","start_word":4350,"end_word":4362,"sentiment":"positive","sentiment_score":0.5767880082130432},{"text":"I also try to be as on the like, as on point and be as honest with you as possible. And I have to let you know, I don't know if anyone's ever told you before, but if you were to claim TPD and you claim under the age of 60, TPD is actually a taxable payment. So the amount you are covered for isn't necessarily how much you're going to get. No. I was The never aware of that. So there you I'm go. so sorry. Essentially, with TBD, if you claim TBD and you're under the age of 60, you your super gets released well because we claim incapacity against your super.","start_word":4363,"end_word":4476,"sentiment":"neutral","sentiment_score":0.023452444949693847},{"text":"So everything is released, which is fantastic.","start_word":4477,"end_word":4483,"sentiment":"positive","sentiment_score":0.5973314046859741},{"text":"However, Yeah. if you're under the age of 60, tax is actually on the TBD payout. It's on the taxable component inside super, and it's up to 22% depending on a few factors. They have a fund math equation that looks at your age that you're claiming versus the age of 65. They look at how much is in your taxable versus tax free components. There are things that we can do. So if you were to claim on TBD, I would say come and see me. Let's do advice. We can look at ways to reduce or minimize that tax component. That way, you know, you might be getting an income stream and taking smaller amounts on a regular basis. We can do uplifts and all sorts of fun things to kinda help reduce that tax side of things. So I just have to let you know tax is paid on TPD. Did you want me to look at ways to, like, factor in the tax, the 22%, or just look at that $3.50 to 400,000 and not sort of worry about the tax when we deal with that if and when at the time of claim? What do you think? And be honest.","start_word":4484,"end_word":4688,"sentiment":"neutral","sentiment_score":0.07460889965295792},{"text":"No. Sorry. Everyone hates the tax side of things, and I I think it's wrong that tax should be on a TBD claim. If you can't work due to disability, you should not be paying tax on that money. It's wrong. That's just bizarre.","start_word":4689,"end_word":4732,"sentiment":"negative","sentiment_score":-0.4659816324710846},{"text":"It So, is. you know, based on $3.","start_word":4733,"end_word":4740,"sentiment":"neutral","sentiment_score":-0.29868555068969727},{"text":"50, I'm getting gonna get taxed, you know, over $70 of it.","start_word":4740,"end_word":4751,"sentiment":"negative","sentiment_score":-0.395038366317749},{"text":"So Yep. It does reduce the amount that you're able to claim on. I can look at trying to bump it up to account for the 22% tax so that the amount you get paid is at 300 so $3.50 to 400 after the tax is considered, which gives you a a higher amount. It's up to you. I can work it either way. I also wanna make it cost effective and not too expensive because they do get more expensive as life goes on. So I wanted to find out more about what you're wanting.","start_word":4752,"end_word":4847,"sentiment":"neutral","sentiment_score":0.10922801215201616},{"text":"I'm almost tempted to get rid of it altogether. It's that hard.","start_word":4848,"end_word":4859,"sentiment":"negative","sentiment_score":-0.379079669713974},{"text":"Boy. Did you want me just to look at those $35,400,000 knowing that we can obviously, if you did have to claim, this is a kind of a worst case scenario because you may never have to claim as Yep. well. I know what you're saying. We just Yeah. keep it keep it cost effective for now. And if you had the claim, then we do everything we can advise wise to minimize the tax consequences for you. Alright. You can do that. Yeah? Okay. Cool. No worries at all.","start_word":4860,"end_word":4949,"sentiment":"neutral","sentiment_score":-0.025265146046876907},{"text":"Perfect.","start_word":4950,"end_word":4950,"sentiment":"positive","sentiment_score":0.375390350818634},{"text":"$3.50 to 400.","start_word":4951,"end_word":4953,"sentiment":"neutral","sentiment_score":0.19603179395198825},{"text":"Lovely.","start_word":4954,"end_word":4954,"sentiment":"positive","sentiment_score":0.3470441699028015},{"text":"Yeah. I honestly do disagree with that.","start_word":4955,"end_word":4961,"sentiment":"neutral","sentiment_score":-0.2107016295194626},{"text":"It's one thing I don't like about the system is the tax side of things. I think if you're disabled and can never go back to work again, the last thing they should be doing is taxing you on it. It's not fair in any way, shape, or form.","start_word":4962,"end_word":5010,"sentiment":"negative","sentiment_score":-0.4803644120693207},{"text":"No. I don't get taxed on food, do On the super I? component for disability? Yeah. But so no. Well, my You're my right. wife won't get taxed on the super, will she? For the death benefit? No. No. No. Okay. So with the death benefit, if you were to pass away and your spouse is your beneficiary, she receives Which she the is. benefit Yep. tax free. Yeah. Yep. She meets the definition under both the CIS Act and the tax act. So, no, she can receive the full benefit tax free if you pass away. Absolutely. Yep. Alright. And Yep. on the actual super component itself, on the super So balance itself, would would you if get text on that? for you passing away, no. Yeah. Death benefit Okay. is completely tax free. And the same with the life insurance. It's just the TBD. It's Yep. just total permanent disability because that's you claiming and you're still technically alive. If you TPD'd and you're Yep. over 60, then it's fully tax free. There's no tax consequences on that. So yeah. But Alright. the life benefit paid out on death to your spouse is tax free. That's a life insurance and the super component. Okay? Okay. Cool. Does Yep. that clear it up? Does that make it a bit clearer for you? Yeah. So I'm I'm I'm Yep. worth about 600 to my wife if I pass away. Yeah. Look. You're probably worth more a lot a lot more alive, and that's what we Yeah. wanna focus on. But yes. I I get that. But and I would just like to yeah. So as long Yeah. as you set up, that's fine. That's Yes. that's what I needed to know. Yep. Yep.","start_word":5011,"end_word":5303,"sentiment":"neutral","sentiment_score":0.035313205787142796},{"text":"That's absolutely fine.","start_word":5304,"end_word":5306,"sentiment":"positive","sentiment_score":0.34322088956832886},{"text":"Let leave that with me.","start_word":5307,"end_word":5311,"sentiment":"neutral","sentiment_score":0.2656054198741913},{"text":"I'll go back and have a look at everything I can, make it cost effective, make sure it's working for you.","start_word":5312,"end_word":5332,"sentiment":"positive","sentiment_score":0.33785325288772583},{"text":"I'll update the advice document to reflect all of this for you, then you'll get to see what my recommendations are, the advantages, the disadvantages, and the risks involved, and then you get to tell me whether you take all of them, some of them, or none of them. It's completely your decision. Okay. Okay. Yep. That's Yep. fine.","start_word":5333,"end_word":5391,"sentiment":"neutral","sentiment_score":0.17486251890659332},{"text":"Perfect. Lovely.","start_word":5392,"end_word":5393,"sentiment":"positive","sentiment_score":0.5501963496208191},{"text":"I'm sorry that I'm telling you things that you've probably never heard of before. I just No. wanna make sure. I like to be honest and make sure you're fully aware It's of what you have, how it works, what you can claim on, alright. things like that. So No. yeah. That's that's fine. And, honestly, and seeing it all in writing will give me a little bit more clarity as well. Absolutely. I I'll I'll be able to absorb it and take it all in, so that's Yeah. fine. No. Perfect. All good. And you're comfortable with me making the recommendation to cancel the income protection? You've got plenty of leaves there. The income protection Yep. is not any concern to you. Not Yep. not Perfect. anymore. You you can get rid of that. Not of the care, Excellent. but that's fine.","start_word":5394,"end_word":5536,"sentiment":"neutral","sentiment_score":0.02672950874597251},{"text":"All good.","start_word":5537,"end_word":5538,"sentiment":"positive","sentiment_score":0.3394297957420349},{"text":"There is one other type of insurance I just have to talk to you about. It's called trauma. I don't know if anyone's ever spoken to you about what trauma is. Trauma tends to pay out a lump sum tax free benefit if you were diagnosed with, say, a heart attack, a stroke, certain neurological conditions, cancer is probably the biggest one. Yep. You can't hold trauma inside, super. It is fully out of your back pocket, and I know money can be a bit tight. You guys live pay week to pay week. Did you want me to look at maybe making a recommendation for trauma, or you're happy just to focus on the life and TB, not interested in anything more? Make a recommendation. I can always Yep. say no. Yeah. Absolutely can. Most definitely. Most people want to look at and look, it's different for everyone because trauma can be it's a tax free lump sum benefit payment in the event of one of these diagnoses. Some people just want, like, one year's worth of living expenses. It gives them time to take one year off. Some people maybe want two or three years worth of income. What do you wanna see just to begin with this advice case for trauma? Just one year's worth of gross Yes. income or net income. Yeah? Yep. Yep. That'll Perfect. work. I'll acts perfect. I'll show you what it looks like, the cost of it, how it affects you, and then you can tell me whether you decide to take that or not. Okay? Yep. That's fine.","start_word":5539,"end_word":5805,"sentiment":"neutral","sentiment_score":-0.03466145694255829},{"text":"Perfect.","start_word":5806,"end_word":5806,"sentiment":"positive","sentiment_score":0.3447033166885376},{"text":"I've got down here that you don't have any assets noted, any cars or anything that might have value. No. Not not not at this stage, mate. Nope. That's okay. One thing we do like to take into account and is really important to consider is contents. Do you guys have contents insurance? Yeah. No. We Yep. don't. I did have in the past, but then it was an expense that we couldn't afford to keep Oh, I'm so sorry. When we do sort of look at the retirement aspect and Centrelink and things like that, paying. we do need to take into account assets. So would would you put a value on your contents, or are you happy with me just I normally work on, like, five or 10000% link assessments for content. Are you happy for me just to use that? No. You can probably up it to around about 25. Yep.","start_word":5807,"end_word":5960,"sentiment":"neutral","sentiment_score":-0.0018069588325240395},{"text":"Perfect. Excellent.","start_word":5961,"end_word":5962,"sentiment":"positive","sentiment_score":0.48714321851730347},{"text":"And no collections, no tools, or or, you know, no jewelry No. or anything that might No. be Probably of value? Nope. That's that probably trade range with jewelry, I guess. yep. That's okay.","start_word":5963,"end_word":5996,"sentiment":"neutral","sentiment_score":-0.003341753501445055},{"text":"Perfect. Thank you for updating that for me.","start_word":5997,"end_word":6004,"sentiment":"positive","sentiment_score":0.4809570908546448},{"text":"Credit cards and debts or anything big like that, do you have personal loans, credit cards, or buy now, I've pay got laters? no. I've got a $15 credit card. Yep. That one And for that sitting at about 14 miles, so there you okay. go. Perfect. Other than that, I'll there's have to. no other debts. Yep.","start_word":6005,"end_word":6062,"sentiment":"neutral","sentiment_score":0.0665242075920105},{"text":"Perfect. Thank you for updating those details there for me, Darren.","start_word":6063,"end_word":6073,"sentiment":"positive","sentiment_score":0.5026004314422607},{"text":"The other thing to think about, I can see here you just haven't had a will or power of attorney drawn up. Have you guys talked about doing Yep. any of that? We have. Yep. We just haven't done it. No. That's understandable. As part of the recommendations, I do always look at the estate planning side of things for you as well. You did mention that, obviously, you want your super and your life card to be paid out to your wife in the event that something does happen. I'm just checking. I've got Tanya down as your wife's name. Is that right? That is correct. And I Yep. think she's is it nonbonding or bonding beneficiaries from memory? I'm just logging in to hub 24 to check that for you because we do wanna that is another factor to kind of take into account. Mhmm. I think it's But just I think while it's bonding the yeah. That's okay. Sorry. Two seconds. Two factor authentication. Mhmm. memory. Security measures are crazy sometimes. There we go.","start_word":6074,"end_word":6250,"sentiment":"neutral","sentiment_score":0.03834722254235866},{"text":"Beautiful. The with the will and the estate planning side of things, it is definitely a conversation to have.","start_word":6251,"end_word":6269,"sentiment":"positive","sentiment_score":0.4669133126735687},{"text":"If you like, I can get one of my beautiful admin team to send you an email with some details on a local source so that we can refer you to. It's not a referral. It's just some information and a bit of a costing on how much it costs to do a will with them just to sort of start the conversation between Yep. yourself and Tanya. Did you want Do me to it. organize Yep. that for you? Yep. Yep.","start_word":6270,"end_word":6351,"sentiment":"neutral","sentiment_score":0.15910698473453522},{"text":"Beautiful. Excellent. And just looking at your beneficiary nomination now, the good thing is it is here a 100%, Tanya. We love that. It is a non lapsing binding. So correct binding binds to trust you to follow your direction, and non lapsing means you don't have to fill out the form again. It stays in place until you revoke that nomination, so you're happy for that to stay as it is.","start_word":6352,"end_word":6423,"sentiment":"positive","sentiment_score":0.4759483635425568},{"text":"I am. Yeah. Can you I'm pretty sure I've got care my care suite is set up the same as well. I'm I happy would for you to log in and check that. that's cool. I can't log in to CareSoup at the moment, but we do have an authority. So I will go back after the call and just double check that it is all in place. And if it's not, I'll make a recommendation to update that for you. Okay? Yep.","start_word":6424,"end_word":6506,"sentiment":"neutral","sentiment_score":0.11182102560997008},{"text":"And I'm happy for you to transfer $5 across too.","start_word":6507,"end_word":6516,"sentiment":"positive","sentiment_score":0.35706770420074463},{"text":"Yep.","start_word":6517,"end_word":6517,"sentiment":"neutral","sentiment_score":0.2024652808904648},{"text":"Perfect.","start_word":6518,"end_word":6518,"sentiment":"positive","sentiment_score":0.390629768371582},{"text":"So with that, I will hold off on transferring the $5 now. I'll do it when we update the advice. Yep. So I should be able to have the advice ready for you in about two weeks. After the call, I can book you back in for the advice piece to be presented. We can come back and look at that, and then I can organize that additional rollover for you and everything else. Is that okay? Yep. That's fine.","start_word":6519,"end_word":6598,"sentiment":"neutral","sentiment_score":0.18173622339963913},{"text":"Yep. Beautiful. Everything else looks like it's pretty well on par here. I've got Tanya down as your next as Kim, which is fantastic.","start_word":6599,"end_word":6622,"sentiment":"positive","sentiment_score":0.6660351157188416},{"text":"Retirement age, do you know I know we talked about the the trends with your retirement strategies just before, and you wanted to look at how that looks for you at the moment. With a TTR strategy, we kind of can't put that in place now. We'll have to wait until just before you turn age 60 just because we have to work on the income you have then, the super balance you Yep. have then, how much we there's a kind of a lot to it. Are you happy if I just focus on this now? I can still look at how this affects your retirement moving forward, but we just make future considerations to reassess the TTR strategy down the track. Is that okay with you? Yes. That's four. Yeah.","start_word":6623,"end_word":6754,"sentiment":"neutral","sentiment_score":0.045943766832351685},{"text":"Beautiful.","start_word":6755,"end_word":6755,"sentiment":"positive","sentiment_score":0.41848358511924744},{"text":"Otherwise, I'm doing up a whole big strategy TTR wise. And with balance changes, with income changes, it all changes down the track. So we'll have to redo it again anyway. So we'll focus on this part. I can still look at what this looks like in retirement and give you, you know, an ongoing projection to see how how things affect you long term, and then we'll make a future consideration to come back and redo that TTR side of things for you when you're nearly 60. Okay? Yep. That's fine.","start_word":6756,"end_word":6847,"sentiment":"neutral","sentiment_score":0.07204601168632507},{"text":"Beautiful.","start_word":6848,"end_word":6848,"sentiment":"positive","sentiment_score":0.3815252184867859},{"text":"Now the when I am looking at long term at the retirement aspect, what age do you think you sort of said between sort of 60 to 62 doing the TTR strategy. Are you wanting to stop working fully at 62, or what age do you think you're gonna stop working fully? At this stage, probably, it will be retirement age, so I don't think I'll have enough super. What age do you think that is that No. It'd be gonna I'm be? probably probably 67. 67? Yep. Perfect. So just so you're fully aware, age 67 is the age we're eligible to access the age pension. Under Yep. the current legislation, retirement age is actually age 60 for your super if you decide to stop working fully then. So you can retire at 60, access your super fully tax free. At Yep. age 65, regardless of whether you're working or not, Darren, they're gonna make it unperserved, unrestricted. So if you come to me in 60 at 65 and go, hey. I just wanna buy a new car.","start_word":6849,"end_word":7027,"sentiment":"neutral","sentiment_score":-0.09373529459344608},{"text":"I need this much money.","start_word":7028,"end_word":7032,"sentiment":"negative","sentiment_score":-0.36073732376098633},{"text":"You can draw that out of super. No questions asked. It will be fully, unpreserved Yep. and tax free. And then at age 67 is when you're, if eligible, access the age pension. So as part of this strategy, I'll look at your retirement at age 67, look at what we expect based on these recommendations there. I'll also I can also factor in some Centrelink to see if maybe you'll be eligible for Centrelink down there and look at what the longevity asset looks like for you. Happy So with that? Does that sound okay? yeah. Yeah? But yeah. That's fine. So you're telling me that I can actually technically retire at 60 and access my super from Yeah. 60 onwards. Yeah. Absolutely. Most definitely. Yeah. It's probably it's probably not enough in my super to be able to cover my current lifestyle. That's okay. We can My current work my on current that. income. Sorry. Yep. That's okay. Are you wanting to draw down that in retirement, the 95,000, keep that going? What? Yeah. Probably at this stage. Yep. I mean, Yep. it's just gonna vary on Yep. on what I need to do because I know being in that Gen X that we are, that I am, I I knew I'd I'd be eligible for the age pension. It's more Mhmm. so my my daughter and her kids and and so forth as as they get older where they don't wanna pay a pension at all. They just want you to use your super. So Yep. Yep. No. I understand that. It's it's gonna be difficult. I'm 41. This year, I've just turned 41. And looking forward, I can't access super to the age of 60, and I'm doing everything I can to put money into super. I yep. fully understand that the age pension won't disappear completely, but how it's going to be paid in the next twenty to thirty years is gonna have a huge aspect because Yeah. Well, then For that's that's what? that's also a concern as well. So Yep. I know for a fact that, you know, with my mother on the age pension and stuff like that, in Yeah. another ten or twelve years time, just the way it's all set up and everything like that, it won't be anywhere near as much because they want the Gen Xs to rely on their super more and just have Correct? the pension to top up Mhmm. your your in Yep. your income. That Yep. I know. And that's where my concern is of being able to Yeah. sort of have the balancing act of both as we get Yeah. older. So Yep.","start_word":7033,"end_word":7482,"sentiment":"neutral","sentiment_score":-0.0427907781675458},{"text":"Absolutely. Most definitely.","start_word":7483,"end_word":7485,"sentiment":"positive","sentiment_score":0.47136884927749634},{"text":"Well, I can factor that into your advice piece for you and show you what the expectation looks like and, you know, where we're going with this at the moment based on these current recommendations. So you've got a little bit of a guide as to what we're looking at. And then as we get closer and closer to that, we can just keep reviewing it. And then when we get to 60, we can look at a TTR and see if that provides a greater longevity and a greater, you know, benefit to you. Okay? Yep. Alright.","start_word":7486,"end_word":7583,"sentiment":"neutral","sentiment_score":0.2536499798297882},{"text":"Yep. Perfect. All good.","start_word":7584,"end_word":7587,"sentiment":"positive","sentiment_score":0.5657438039779663},{"text":"One of the things I do here is a lot of the retirement aspects. So I spend all day talking about retirement advice, talking about looking at age pension, things like that.","start_word":7588,"end_word":7619,"sentiment":"neutral","sentiment_score":0.20767100155353543},{"text":"So you're welcome to come and ask me anything you might have.","start_word":7620,"end_word":7631,"sentiment":"positive","sentiment_score":0.3673807978630066},{"text":"You're welcome to talk to me about those sort of things, and I'll make sure I factor a lot of that into the advice piece for you so you get a bit of a guide on what we're looking at instead of just focusing on super, just the accumulation. This is sort of showing you a little bit of what that looks like when you get to the end of that tunnel there. Okay? Alright.","start_word":7632,"end_word":7706,"sentiment":"neutral","sentiment_score":0.2172415554523468},{"text":"Cool. Perfect. All good.","start_word":7707,"end_word":7710,"sentiment":"positive","sentiment_score":0.6957828402519226},{"text":"Is there anything else in the next sort of three to two you know, sort of one to two to three or even five years goal wise that you might be focusing on or that you might wanna achieve. Yeah.","start_word":7711,"end_word":7750,"sentiment":"neutral","sentiment_score":0.18808817863464355},{"text":"I'd love I would love my super balance to be another 100 odd k more than what it is.","start_word":7751,"end_word":7769,"sentiment":"positive","sentiment_score":0.4300537109375},{"text":"Yep. Yep. That's okay. Another 100. Okay. If not more, Yeah. Absolutely. Let's aim which for the moon. and that way, it gives me the ability to be able to go to the the transition to retirement, whereas I said to you before, that at 60 or 61, 62, I can look at working three Yep. days a week in the middle part of the year and stuff like that and not lose any income where I can just have my super top up my my weekly wage, if you get what I mean. Yeah. Absolutely. Well, we'll definitely work on that for you. I'll see what I can do. I'll have a look at just not just the Benelon in your portfolio, but I'll have a look at all the different options for portfolio sides of things and Yep. make it a recommendation to update that to see, you know, what's better performing what might help you out, making sure that we're not overexposing you at the same time. Okay? Alright.","start_word":7770,"end_word":7941,"sentiment":"neutral","sentiment_score":0.15629999339580536},{"text":"That's Beautiful. fine. Excellent.","start_word":7942,"end_word":7945,"sentiment":"positive","sentiment_score":0.4304729998111725},{"text":"The last thing I just wanted to run through is a bit of a risk profile questionnaire as well just to kinda gauge what sort of portfolio you should be in and whether we should be starting to reduce your risk level a little bit or not. The first one here is just asking, have you ever invested in direct shares or managed fund in your own name before? Have you in ever invested outside of Super? Not all I have at night. Nope. That's okay. The next question here is essentially asking, what sort of risk are you willing to take to try and get those greater returns knowing we do have the ups and downs in the market at the moment? Do you feel like you're more comfortable taking on a higher level of risk to get greater potential returns, or are you a bit more medium? You still want the best returns you can, or you're not wanting to take any risk in the market and you wanna get the best returns you can for that level? I'm probably in between medium to high. I I I Yep. I'm I'm not adverse to taking a a risk Yep. in the short term. Like, you know, if if something's gonna go gangbusters. I'm not adverse to say having someone put, you know, money into an investment portfolio where you're seeing significant gains in a shorter period of time. Yeah. Yeah. So we we make money out of that and then sell at the right time and and and move on, so to speak. So I'm Yeah. probably in that medium to high, Mhmm. which then that takes the opportunity of increasing the balance quicker. Yes. And I know the adverse side to the risk of it, but Yeah. as you said, with with that one that's had that negative eighteen percent drop, I mean, that's Yep. offset all the gains that all my other all the other investments that were being put into Correct. had gained. So, Yeah. you know, that I'm caught in the catch 22. Hence, the reason why Yep. I said you got a gold and silver because it's more Yeah. of a defense one that I can always call back on. Yeah. Absolutely. And then, look, with with your time horizon you have, you can be willing to take on a bit more risk in the market now.","start_word":7946,"end_word":8349,"sentiment":"neutral","sentiment_score":0.07244520876003374},{"text":"It's not a problem at all.","start_word":8350,"end_word":8355,"sentiment":"positive","sentiment_score":0.3941999077796936},{"text":"The idea is we start taking a bit more risk when you've got, you know, more than ten years or more than, say, six years to access your super. And then when you are about six years away, we start to really reduce that risk level down a bit. But at the same time, we wanna not only have high risk investments, but we wanna diversify and have some Yep. low risk investments like cash and bonds. We also wanna have some gold and silver that work defensively at certain times as well to kinda offset the risk level a little bit there.","start_word":8356,"end_word":8458,"sentiment":"neutral","sentiment_score":0.20350208545772777},{"text":"So that's absolutely fine. I can definitely put you in between those two, the high and the medium.","start_word":8459,"end_word":8476,"sentiment":"positive","sentiment_score":0.46483829617500305},{"text":"It's not Yep. a problem.","start_word":8477,"end_word":8481,"sentiment":"neutral","sentiment_score":0.2945016920566559},{"text":"Yep. Excellent.","start_word":8482,"end_word":8483,"sentiment":"positive","sentiment_score":0.481215626001358},{"text":"The next one here is just asking if you did see your super fall in value in the next, say, six to twelve months because of what's happening externally, How does that make you feel? How do you think you might be feeling about that? In the sense I mean, if it's a significant drop, yeah, then I'm that I'd have I'd have concern. Yep. But, I mean, I I generally check my super either once a month, once every six weeks. And Yeah. as I said, I checked it a week ago before Samantha rang me in just in the week gone. You know, my hubs dropped seven k, and my care Yeah. supers dropped nearly two k. Just then Yeah. that's just in a week type thing. So Yeah. Yeah. I generally in volatile times such as this where the market's so uncertain, I I don't tend to check it because I don't wanna know. I'm not one of these people that are hyper vigilant and will check it every day and and then Yeah. get concerned that my soup is dropping because it defeats the purpose of what it's there for. Do you get what Yep. I mean? Absolutely.","start_word":8484,"end_word":8685,"sentiment":"neutral","sentiment_score":-0.09160933643579484},{"text":"That's a really good way of looking at it. That's perfect.","start_word":8686,"end_word":8696,"sentiment":"positive","sentiment_score":0.4034928679466248},{"text":"So you can sort of sell by with Hub twenty four having that downtime, but also CareSleeper. It's not just the thing about the portfolio. It's definitely more of a market reaction to what's been happening. Yep. So in those sorts of instances, do you feel like you just wanna hold and wait? Do you feel like you wanna call us and see what's happening, or do you just wanna sort of wait and see what happens over the course of the next few months? What's your normal reaction to sort of downtime like we're seeing? Sorry. Can you repeat that? I missed That's I missed a lot of like that. that's Sorry.","start_word":8697,"end_word":8809,"sentiment":"neutral","sentiment_score":-0.017403066553900726},{"text":"My like bad. I'm so you're so awkward.","start_word":8810,"end_word":8817,"sentiment":"negative","sentiment_score":-0.360800176858902},{"text":"If we say with the market reactions that we do see at the moment, the ups and downs, because it is quite volatile and has been over the last few months as well, seeing those downtimes, like, if your portfolio, say, fell by 20% both in CareSoup and in Hub twenty four, we saw a COVID event or something come Yep. like that, Would you be wanting to call us and see what's going on? Would you be a bit more concerned, maybe wanting to be move money to something more safer, or do you think you just sort of hold and wait and see what happens over the course of the next few months? How do you think you might react? If it was an if it was an ongoing concern, Yeah. I would probably either expect you to contact me because that's what I pay you for, or I would contact you just to see what what our options would be. I mean, Yep. I'd probably wait if it was something over a three month period Yeah. just to see if the market corrects itself, which it Yep. does tend to tend to do. Yeah. Like, as I said, it bounces been bouncing up and down the last, you know, even two days. So, you know, oil was a $116 a barrel on Monday, and it was $93 yesterday. So it's going up and down like a yoyo at the moment. So that's that's tending to dictate dictate what happens to the rest of the market. So Yeah. I guess it's more of a I'm attend I I tend to be a wait and see type of person Mhmm. and then look at my options from there after that. Okay.","start_word":8818,"end_word":9109,"sentiment":"neutral","sentiment_score":-0.10735240578651428},{"text":"Perfect. Excellent. All good. Lovely.","start_word":9110,"end_word":9114,"sentiment":"positive","sentiment_score":0.5324217677116394},{"text":"Well, having a look at that now, the portfolio we sorta have you in, it looks like it's more of a high growth sort of portfolio from where you were. Yep. In saying that a high growth investor has about eight years before they're wanting to access their suite. But, generally, you're expecting kind of eight to 10% returns on a yearly basis there, but you do expect a likelihood of a negative return sort of one in every five years as well. Yes. We can look at maybe reducing your exposure, looking at more of a growth portfolio, which sees 80% in those growth investments. Again, the likelihood of a negative return is that one in five, and we're expecting or hoping for around about seven to 9% as a return. Did you want me to sort of bring the risk level down just a little bit to that growth sort of environment, still giving you the eighty twenty split, still looking at some of those, the gold and silver and things like that. But just maybe bringing it back a bit for the for the next maybe year or so, or did you wanna stay in that high growth environment? What do you feel? Again, I'm not yeah. Sorry. My dog That's okay. my dog nearly we just had a call change come through, and my dog nearly got out. So Oh, no. You're right. so It's all good. can you repeat that again for me? I do apologize. No. You are absolutely fine. With where you are at the moment, like, the growth portfolio, did you hear the the information on the high growth portfolio? Was it the last thing you kind of heard? Yeah. I did. Yep. So Yep. With the what you're right. So sorry. You go. No. Yeah. You're alright. Sorry. You're fine. What we could look at doing with the amount of volatility we are seeing at the moment, we could look at just reducing it back a little bit. Going from that high growth environment, it's reducing your exposure into those growth assets by around about 10%. So we're kinda just pulling back a small amount there. With Yeah. That's the growth fine. portfolio, it's about 80% invested in those growth assets still. We still got 20% defensive lower risk investments where generally suits someone who has about six years before they're accessing super. So it does you do have more than the double the time horizon there based on your age and age 67 at the moment. Again, we do expect the likelihood of a negative return about one in every five years, and we're Yep. hoping you're pushing for about a seven to 9% return for this sort of portfolio. But this is pulling you back a little bit to begin with. Do you feel fairly fairly comfortable looking at that maybe? Yep. Yeah. Anything that's gonna get me anything that's going to allow me to increase growth Yep. on a on a quicker type basis, go for it. Realistically, to increase the growth, you'd have to increase the risk level, but decreasing the growth is the growth aspect. Not necessarily isn't gonna decrease the returns, but it is just putting you in more of a not so much a safer position, but more of a defensive position. Does that feel more comfortable? Does that make sense? Yeah. Alright. So for someone You're right. at my age at 55, Mhmm. how much super should I have in there now, Let me just ideally? have a look at the, yeah, you're right. Let me just have a look. I have a tool for that because it goes on your age as well. So Yes. 55 and the fact that you're a male versus a female. It's amazing the things that they take into account here. So we're, say, 55 and we're a male. Sorry. Yep. So no. Yeah. I'm not one of these non binary people, and No. You're fine. I apologize if you are so. I do apologize. No. I'm I'm absolutely not. Do not worry in any way, shape, or form. I kind of I actually do ask that question quite regularly going now. No. Just double checking. How do you identify? Because I have been yelled at the past just by assuming. No. I'm I'm well, definitely one of these old schools. I don't use pronouns or anything like that. I'm not a veiled then. No. That's awesome. Okay. Sorry. That's right. It's a little bit. So 55 for a male. So average based on being a male and a rather 55 years of age, the average super balance is about 301,900 and Yeah. So, you know, I'm I'm way behind where I should 20 be. two. Yeah. Yeah. Based on the the average at the moment. Yeah. So that's okay.","start_word":9115,"end_word":9927,"sentiment":"neutral","sentiment_score":-0.023017021379494285},{"text":"Well, I'm comfortable to put you in that growth environment there.","start_word":9928,"end_word":9938,"sentiment":"positive","sentiment_score":0.5462923049926758},{"text":"I'll look at what we can do with the portfolio, look at adding a bit of commodities in there as well, and what that looks like over the next sort of twelve years based on your age.","start_word":9939,"end_word":9975,"sentiment":"neutral","sentiment_score":0.2775241732597351},{"text":"I'll look at the insurance side of things for you, see what we can get, making sure that you've got access to those funds and any additional benefits that you might be able to access to make sure it's easier for your wife to be able to claim.","start_word":9976,"end_word":10023,"sentiment":"positive","sentiment_score":0.3555625379085541},{"text":"Just checking because I do take into account, obviously, the retirement aspect, and part of that is also taking into account Yep.","start_word":10024,"end_word":10045,"sentiment":"neutral","sentiment_score":0.1300095170736313},{"text":"Perfect Yeah.","start_word":10046,"end_word":10047,"sentiment":"positive","sentiment_score":0.34587883949279785},{"text":"It should be on about 35 to 40 maybe. She's a barista. Yep.","start_word":10048,"end_word":10060,"sentiment":"neutral","sentiment_score":0.1616930365562439},{"text":"Perfect. I love that. Love a good barista myself.","start_word":10061,"end_word":10069,"sentiment":"positive","sentiment_score":0.6968199610710144},{"text":"And do you know roughly what her super balance might be, even just a rough estimate? No idea. No idea. That's okay. We'll just go on the fact we'll just work on that she has no super just to kind of work No. it out. How's She she she been working your she no. She's got super, but I don't know the actual amount she's got. do you know how's she been working for a lot of years, or did she take a massive amount of time off? She's probably working constantly for probably the last fifteen years. Okay. Fifteen years. Perfect. Just sort of looking at you're right. Sorry. So so she's 58. She would possibly have, I don't know, 35, maybe Yeah. 40 k in super, I give was or thinking take. probably maybe about 30,000 to work on Yep. as a bit Yep. of a buffer.","start_word":10070,"end_word":10218,"sentiment":"neutral","sentiment_score":-0.04546325653791427},{"text":"It just kind of helps us to look at what the retirement aspect looks like and the longevity of your super and whether, you know, Yep. hers can provide a bit of a benefit there as well for you.","start_word":10219,"end_word":10257,"sentiment":"positive","sentiment_score":0.4171672463417053},{"text":"So I just needed that information just as a bit of a buffer to help me with the research component, but I'll update the advice to reflect, and we'll go through it together. You'll be able to see that. I know a lot of this is me talking, and I don't wanna talk at you. So when I give No. you You're the advice, wrong. I'll have some visuals in there so you can have a look at everything and see it, and then you get to take it away and read it as well so you can take it in. Okay? Not that far.","start_word":10258,"end_word":10362,"sentiment":"neutral","sentiment_score":0.07943690568208694},{"text":"Perfect. All good.","start_word":10363,"end_word":10365,"sentiment":"positive","sentiment_score":0.428959846496582},{"text":"Well, I have everything I need at the moment to kinda go back. The only last question I had is when it comes to portfolios, you like to see the investments you're in. You did mention you like to look at it on a regular basis. You do like to see where your money's invested and have that clarity. Is that Yeah. right? I do. Yep. Yeah. That's fine.","start_word":10366,"end_word":10434,"sentiment":"neutral","sentiment_score":0.09887921810150146},{"text":"Absolutely fine. Perfect.","start_word":10435,"end_word":10437,"sentiment":"positive","sentiment_score":0.4006061553955078},{"text":"As you are getting older, sort of looking at I'll probably take away the active management component. I think having more of a passive portfolio can, a, be a little bit lower cost, which means you have more money invested, but Mhmm. it also is taking away some of the risk levels. So having those active managers in your portfolio when you're younger can provide benefit because they're trying to outperform the market. But at the same time, you do pay more for those investment managers, whereas often the passive portfolio can actually give you greater benefit.","start_word":10438,"end_word":10534,"sentiment":"neutral","sentiment_score":0.09639952331781387},{"text":"It's cheaper, leaves more money invested, and often just participating in the market and having more of an active portfolio actually performs better than those active managers do.","start_word":10535,"end_word":10562,"sentiment":"positive","sentiment_score":0.33615225553512573},{"text":"So you're comfortable with me looking at something low cost, cheaper that's still working for you? Yep. Yep.","start_word":10563,"end_word":10580,"sentiment":"neutral","sentiment_score":0.2869967520236969},{"text":"Perfect.","start_word":10581,"end_word":10581,"sentiment":"positive","sentiment_score":0.48858875036239624},{"text":"Now do you have any questions for me, Darren? I'm sorry. I know everything about you. You're welcome to ask me anything, get me clarify anything additional for you. Or No. Not really. Not at this stage. As I said, I'm more concerned about getting my my super balance Yep. higher. Yep. I mean, I don't expect a 100 k jump in a year. Don't I don't That's expect okay. that. It's just just not how the market works works, and Yeah. I'm not prepared to put everything in a in Yeah. a high risk high risk sort of scenario, whereas, you know, I could lose a lot, and I don't wanna Yeah. do that. Yep. Yep. You you did clarify some things for me. I didn't realize Yeah. that if I wanted to, I could retire at 60 and and Yeah. access super straight away. I don't wanna do that because Yeah. I don't have enough in there to to to live on, say, $20 a year. That's for sure. So Yeah. no. No. I'm not Dana, no. I don't really. Yep. Perfect. No. That's okay. Well, if anything does come up, let me know. I am just gonna send you an email after the call as well. It'll have the annual review documents in there. So Yep. it's important that we do update our ongoing service agreement for the next twelve months. Now I just wanna make sure you're fully aware of everything. So you do pay an ongoing service fee to our services. That's for Yes. us looking after your sleep, but updating your advice, and you have me here whenever you need me as well. I'm gonna put myself on your account as your adviser. So you can I'll also email you after the call so you have my direct email. You can email me these questions. You can call me whenever you need, and I will make sure I'm available for you. I wanna make sure that moving forward, you have that direct contact as well. But you do pay an ongoing service fee to our services. Yeah. It That's is one fine. point five That's percent. Do you understand how all that works? Do you yep, have questions around it? that, No. yeah, that that had been suspended for six It months, has. I believe, Yeah. because We I hadn't I hadn't been looked after. So, yeah. yeah, that's No. fine. That's okay. I'm gonna turn that back on now. I will get send the documents out to you to sign so we can turn that back on, but I'm gonna make sure that you're obviously getting the services as well. And if at any point you feel like you're not, you let me know, and I'll make sure, you know, we're getting sorted. But I wanna make sure we touch base with you a bit more regularly, see how things are going, catch up with you as well, Yes. and you'll hear from my team a little bit more constantly. Okay?","start_word":10582,"end_word":11089,"sentiment":"neutral","sentiment_score":0.00588742749193522},{"text":"That's fine. Easy.","start_word":11090,"end_word":11092,"sentiment":"positive","sentiment_score":0.39349302649497986},{"text":"I've also got in there the financial services guide, which outlines everything about who we are, what we do, and how we do it.","start_word":11093,"end_word":11116,"sentiment":"neutral","sentiment_score":0.27595284581184387},{"text":"It has all my licensing information and a lovely photo of me there. So you can have a look through that, give a feel for who I am.","start_word":11117,"end_word":11144,"sentiment":"positive","sentiment_score":0.3847019672393799},{"text":"And if you find you have any concerns about any of that, you let me know. Okay? That's fine, Diana.","start_word":11145,"end_word":11164,"sentiment":"neutral","sentiment_score":0.20710168778896332},{"text":"Not a problem at Perfect. all. All good.","start_word":11165,"end_word":11172,"sentiment":"positive","sentiment_score":0.4863504767417908},{"text":"And I'll get stuck into this advice piece. Now I do need to just book in a time for one of my lovely team members to go through a bit of a pre assessment for you. Is there a day or time that generally suits you better for them to run through this? It shouldn't take more than about ten minutes. Not tomorrow. Yep. Friday should be okay. Perfect. Now we close at 02:00 on Friday. What time Friday suits you the Oh, best? even even can't do Monday. Even Tuesday next week's fine. That's that's not a Yep. problem. Perfect. And did you want, like, this time of day? Yeah. Yep. Yep.","start_word":11173,"end_word":11285,"sentiment":"neutral","sentiment_score":0.09851805865764618},{"text":"Perfect.","start_word":11286,"end_word":11286,"sentiment":"positive","sentiment_score":0.3826867640018463},{"text":"So I'll book it in for the same time. So we are.","start_word":11287,"end_word":11298,"sentiment":"neutral","sentiment_score":0.23188117146492004},{"text":"My goodness, February the year two is thirty flying your time?","start_word":11299,"end_word":11309,"sentiment":"positive","sentiment_score":0.34027010202407837},{"text":"by yeah. 02:30 my time.","start_word":11310,"end_word":11314,"sentiment":"neutral","sentiment_score":0.09902546554803848},{"text":"Perfect.","start_word":11315,"end_word":11315,"sentiment":"positive","sentiment_score":0.35872143507003784},{"text":"And next Tuesday, that brings us to the seventeenth there.","start_word":11316,"end_word":11325,"sentiment":"neutral","sentiment_score":0.11463122814893724},{"text":"Perfect. I'll book it in for 02:30 for you. Of my lovely team will give you a call.","start_word":11326,"end_word":11343,"sentiment":"positive","sentiment_score":0.5333526730537415},{"text":"Let us run through a bit of a pre assessment. It gets a little bit in-depth around your health and, all those sorts of questions, but it's just so I can really understand what kind of contracts might be offered as part of the advice document when it comes to the insurances. If Yep. I have to come back and have another conversation, I'll make sure I follow-up with you. But once that is completed, did you I can book you in for the following week, say, from Monday, the twenty third onwards to have your advice document presented, would you like me to pick one of those days to present that to you? Would that week work for you? No. I'm away I'm away from the twenty third well, from the twenty second to the twenty ninth, so I'm happy Okay. for the and then I'm on holiday for the next two weeks after that. Okay. So anytime from Monday, the thirtieth onwards.","start_word":11344,"end_word":11507,"sentiment":"neutral","sentiment_score":0.08962524682283401},{"text":"Perfect.","start_word":11508,"end_word":11508,"sentiment":"positive","sentiment_score":0.4716485738754273},{"text":"And did you want more in morning or afternoon? What sort of suits you that week? Probably morning's fine. Morning's fine.","start_word":11509,"end_word":11529,"sentiment":"neutral","sentiment_score":0.14502084255218506},{"text":"Perfect.","start_word":11530,"end_word":11530,"sentiment":"positive","sentiment_score":0.4912619888782501},{"text":"Well, what if I book it in for Wednesday, April 1? That morning, I can actually actually, no. I can do the thirty first, the Tuesday. We can do a first cab off the rank for you. Just double checking. You're in Victoria, so you're an hour ahead of me. If I do 08:00 my time, that's 09:00 your time.","start_word":11531,"end_word":11590,"sentiment":"neutral","sentiment_score":0.10356798022985458},{"text":"Does that sound good? We get it off nice and early.","start_word":11591,"end_word":11601,"sentiment":"positive","sentiment_score":0.5019574761390686},{"text":"Is that way Yep.","start_word":11602,"end_word":11605,"sentiment":"neutral","sentiment_score":0.31863468885421753},{"text":"you can That's enjoy fine. your day?","start_word":11606,"end_word":11612,"sentiment":"positive","sentiment_score":0.4275341033935547},{"text":"Yep. Mhmm.","start_word":11613,"end_word":11614,"sentiment":"neutral","sentiment_score":0.10399886220693588},{"text":"Perfect.","start_word":11615,"end_word":11615,"sentiment":"positive","sentiment_score":0.418670117855072},{"text":"And I'll add a text message reminder. I'll send you an email shortly just following up. I am gonna have to update your ID as well, look at your ID on file has expired. So I'll get you to send me a copy of your ID. I'll add in the date and time for your pre assessment and a reminder for your SOA presentation on the thirty first, and I'll get stuck into this research for you. How does that sound? That's the end phone. It's not a problem Yeah. at all.","start_word":11616,"end_word":11707,"sentiment":"neutral","sentiment_score":0.12058863043785097},{"text":"Perfect. Thank you so much.","start_word":11708,"end_word":11712,"sentiment":"positive","sentiment_score":0.7051197290420532},{"text":"I'm so sorry, Darren. I know it's a lot. I did a really good review, and I was like, look. We've got a bit to talk about here. We wanna go through things and really update everything for you. So I'm so sorry it took a bit longer, and No. there was a lot Please. to go I'm through. I'm I'm glad you did. So that's not a Yeah. problem at all.","start_word":11713,"end_word":11784,"sentiment":"neutral","sentiment_score":0.06938774883747101},{"text":"Beautiful.","start_word":11785,"end_word":11785,"sentiment":"positive","sentiment_score":0.4288237690925598},{"text":"As I said, it's Oh, thanks. been over been over twelve months. It's been almost Absolutely. two years since my my last my last review.","start_word":11786,"end_word":11810,"sentiment":"neutral","sentiment_score":0.2002839893102646},{"text":"So I'm glad Absolutely. you did it. So thank you.","start_word":11811,"end_word":11820,"sentiment":"positive","sentiment_score":0.522433876991272},{"text":"Oh, my pleasure. Let's make sure that we don't drop the ball moving forward for you, and I'll make sure we don't. You'll speak to my lovely admin as we're moving forward as well, and we'll take care of you and our little sort of area in a pod here at OQ, make sure we look after you. I will send you an email afterwards, and I'll also get the annual review pack sent out for you. If you can sign that and just reply back with your ID for me, I can take care of the rest, and I'll I'll talk to you in a couple of weeks when I've done all this research. Okay? Yep. That's fine.","start_word":11821,"end_word":11939,"sentiment":"neutral","sentiment_score":0.11358053982257844},{"text":"Thank you so much, Darren.","start_word":11940,"end_word":11944,"sentiment":"positive","sentiment_score":0.45534786581993103},{"text":"You'll also have my email. So if you do find us any questions, it doesn't matter what the question is, you just email me and ask me, and I'll happily make time to reply back to you. Okay?","start_word":11945,"end_word":11982,"sentiment":"neutral","sentiment_score":0.23183366656303409},{"text":"Sounds good. Thank you. It is my pleasure. You have a wonderful afternoon. It's been a pleasure. Thanks. Thanks, Danny.","start_word":11983,"end_word":12002,"sentiment":"positive","sentiment_score":0.5805465579032898},{"text":"You take care. Talk to you Okay. soon. See you later. Bye. Bye.","start_word":12003,"end_word":12015,"sentiment":"neutral","sentiment_score":0.18152938783168793}],"average":{"sentiment":"neutral","sentiment_score":0.06272890696784164}}}}