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Isn't that still a good time there for you? Normally, it takes about half an hour to kinda go through depending on what we touch base on, the things, look at your goals, be it a few circumstances, different things like that. That's okay. I can sort of try to make it a little bit faster if if you'd like just to touch on the things we need to. So it just all depends on how how quickly go through everything for you. That's all. Is that now still okay? Yeah. Beautiful. All good. Before we jump into the call there, Christopher, just to let you know, I do recall these calls with quality and training purposes. Are you happy for us to proceed with that? Beautiful. And just to do a quick security check there for you. So just to confirm, your full name, your date of birth, and address I should have on file? Yep. Yep. Beautiful. Thank you so much for that. Appreciate it. Now I normally do send through some annual review documents to kinda go through with you as part of the review. Are you able to access your emails? If you can't, that's okay. I can go through things for you. Yes. Beautiful. I'm just going to send it through to you there now. Beautiful. Okay. It just told me it's sent. Hopefully, the Internet locks the same. It comes through to you nice and quickly. Yeah. Fantastic. Excellent. So with that one there, to make it yeah. You do have a little button that says sign here, and if you press that button, it'll take you through to review the documents. But the documents that I do kinda wanna review with you are actually set as attachments. So if you look below, there should be a couple of attachments there, and one of those will be your superannuation summary of insurance as a super. That's the one. Yeah. So if you can open up that one for me, that would be fantastic. Is that opening for you? Yep. Beautiful. Thank you so much for that. So just having a look back at your annual review, the last review we were able to do, I know your balance then was about $86,003.83. So having a look at your balance as of the July 27, these documents were prepared just a couple of weeks back there. Your balance then was sitting at a $106,852.53. Looking at your super balance today, you're sitting at a $109,545.89 there. So you have had a bit more growth since we prepared these documents, which is fantastic. Excellent. Now underneath that, it does look like you don't really have any kind of insurances like personal protection, life, PVD, income protection, trauma. Has anyone kinda gone through and spoken to you about those sorts of insurances, what they are, how they can benefit you, or if you wanna look at getting anything like that? Yeah. Yep. Okay. And paid sort of out of your back pocket or personally? Yeah. Beautiful. How much are you covered for with that life insurance policy? Okay. Perfect. So you've got it this is the base of covering your mortgage just in the event that something was to happen. Yeah. Beautiful. Excellent. Well, I mean, looking at the way the life insurance is structured, you've got that solely for the purpose of paying out the mortgage. I'm just having a look at your current scenario here. On the last background, we had noted your mortgage was sitting at 161,000. Do you have you reduced that a bit since you last sort of spoke to us at all? Okay. Yeah. You're right. Yeah. If you've got it, if you have an exact absolutely. If you can't find the exact system approximate, it's fine. Yeah. You're right. Okay. Beautiful. Thank you for updating that there. So, realistically, when you think about your life cover, your 200,000 basically almost covers the mortgage there. And then if you were to then pass away, your physical balance is also paid at your beneficiaries, which could provide an additional kind of boost there. With your income, you we had you on about 40,000. Is that the same, or have you got an increase since the last quarter? Yep. Sorry. You just add molding. That's official. Yeah. No. That's okay. All good. I mean, realistically, looking at sort of the insurance side of things, we're just kinda relating it back to your your life situation currently. If you were to then pass away, the Suncorp cover pays out the mortgage for you, and then your super benefit based on your current amount covers your income based on, say, 40,000 for almost three years, essentially. So a little under three years, actually, is seven months realistically. Do you think that's a fairly okay level of cover? Did you wanna look at maybe getting some additional life insurance, or are you sort of happy to support you've got at the moment? Mhmm. Yep. That's okay. You're right. No. That's okay. All good. And thinking about other types of cover like disability insurance, income protection, and trauma, do you feel like you would wanna look at maybe getting some of that now or sort of hold up until down the track when you feel it's appropriate for you? What's your thoughts there? Yep. Yeah. So, realistically, if you weren't able to work in the short term, her income would still be fairly sufficient to cover the expenditure? Yep. That's okay. Do you have any kind of long service leave, sick leave, or annual leave that you could also fall back on if you were off work in a short term? Yep. That's okay. Yeah. Absolutely. Yeah. Definitely. Excellent. All good. Perfect. Well, I mean, income protection, so it doesn't look like it's more one of those things. The main sort of thing I'd be sort of looking at with you is probably PDD, total permanent incapacity. It's more about if you're never able to go back to work again, how you sort of look after yourself. One of the biggest things that I sort of focus on with TBD is that if you're not able to go back to work again, there's a cost of covering your income for a certain period of time. But then then because you are still so young, a lot of people who are currently disabled have to make modifications to their house, buy new cars, pay for rehabilitation support, and things like that. So there are other costs to sort of think about when comes to permanent incapacity or total permanent disability. But when and if you are ready to have that kind of conversation, let me know. I'm more than happy to make time to talk about what your goals are, what's important to you, what kind of level of cover you might need and or want, and what the cost and how it can be structured to sort of help you along. Okay. Easy. Beautiful. When you do think about your super goal wise, I'm just sort of going back to your last day review. We had noted, I believe you were hoping to be able to access super oh, sorry. It's a bit longer back. Around about sort of sixty to sixty five months, does that ring a bell, and does that still sound fairly appropriate for you? Yeah. I really hope it's not 80 because I'm the same age as you, so I'd like to retire at 60. I would hate to get to 60 and then tell have them tell us we're gonna work another twenty years. We will have worked now. Well, I can actually give you some good news. So the age 67 mark, that is for the eligibility for the age pension through Centrelink. But when it comes to your super, you can actually access super at the age of 60. If you fully retire and or stop working with the intention to retire fully, you can access your super wholly tax free, take it as a lump sum or an income stream. Sixty five, they'll let you have it regardless of whether you're working or not. And 67, if you're eligible, you can access the age pension through Centrelink. So you really don't have to work as long as you think you do if you don't wanna. Mhmm. Mhmm. Yeah. Yeah. Absolutely. And that's sort of what I wanted to look at things for you today. So this year has been a little bit up and down in the markets there. There have definitely been some volatility, and I kind of had a look at your super beforehand. I'm gonna go through the report with you in a minute, but I found some areas that we could probably make some improvements on your super because your portfolio is very much older. You've kinda been on board since 2021 there, and your your super you know, portfolio hasn't really changed or evolved much in that time. So I did have a really good look at things before we came on the call. And, realistically, I definitely like to make some changes to your super if you're comfortable with me doing so, and I'll go through sort of what I'm thinking there. But, look, in all honesty, you're not wrong. What you sort of said there about the way super grows and how it works is absolutely correct. Like, if you think about someone with receiving a 5% return and their balance is super 50,000, they're essentially making $2,500, whereas someone with that same 5% return on a $500,000 balance is about 25,000. So the idea is we start off with a lower balance. We'll have it out to get our super up to about 200,000. And then once you get over that 200 to $2.50 mark, you sort of start to see the compounding effect much greater, and your suit balance tends to start working a bit a bit better from there. So you are absolutely correct in the way that works. It just feels like we work forever to get our suit balance up that high, so I understand that. But now look. Let's go through your paper because this year has been a little bit volatile, and I'm very upfront and honest with you. We've had some great returns, and the last year has had much of a lower rate of return. So I have kind of wanted to go back and have a little bit of a look at the super, maybe update your portfolio to make sure that things are working a bit harder for you for the next couple of months. In that email, there's a document in there. It should say asset performance detail or portfolio report. Can you see that attachment there at all? Oh, sorry. That's the one. Yeah. Perfect. Yep. That's okay. No. That's understandable. Beautiful. Now the front page here basically goes through for the last twelve months and essentially looks at all the individual investments that you do have within your portfolio currently. This is based on the what sort of happens from July to July because that's on these documents to prepare that. But there's not a great deal of change. We have seen a little bit more since then. So in the last probably month, we've seen about a few a two to 3% increase in the market and in your portfolio, which has been really good to see. But, realistically, one of the things we had better with the volatility and everything that's been going on this year is that markets have been a bit up and down, and it's definitely had a bit of an effect on everyone in their portfolios there. The other thing that really affected your portfolio this year was the Bennelong Estate equities investment that you've got there or did have. We've actually removed that from your portfolio. So earlier this year, we had sort of notice that that was underperforming significantly. To kinda give you a run through on that along, that is an actively managed fund. So the investment manager within the fund there is supposed to be trying to pick and find the market, choose investments, and choose when to buy into those investments. And they must be trying to outperform against the market, essentially. They haven't been able to do that. They've had some underlying issues within the investment. So we flagged this in March that that was an issue, and we had sent through a record of advice and email to you back then to let you know that we were pulling that out of your portfolio. Did you remember receiving that email at all in March? That's okay. It is a few months ago now. It's all good. Yes. Now our investment committee had flagged. That investment was underperforming. We wanted to remove that quickly, so we did send a record of advice out to everyone to try and remove that from the investment portfolios ASAP. It did, unfortunately, mean that there was some losses received. We had to cement those, but we've put you into the investment below that, which is the beta shares a 200. That investment is actually giving you broader diversification. So instead of having 15 or 25 different companies within the Benelon Fund, you now have exposed the top 200 companies on the ASX. So it is giving you a lot more diversification, which is helping to lower your risk profile. It is more of a passively managed fund, so it is also cheaper, which means more money stays invested in your super for you. But it has sort of meant that the market, with the ups and downs and also Venlo having a bit of an effect there, that your portfolio hasn't returned what we sort of have liked it to return for this year. Since moving the a 200 in there, it has grown by about 2.92%. So it is good. We have seen recovery back from that, but there is still a little bit of a recovery period to have from the Better Long investment being down. So I'm just letting you know, open and honest, that the markets haven't performed the way we want them to. Your performance is definitely lower than where we would like it to be this year, but I wanna go back and just review your investments because you are in an older portfolio. These investments haven't really been restructured or looked at in the past few years, and it is time to maybe update the portfolio to make sure that your your super is working a little bit harder for you. Do you have any questions, and are you comfortable with me doing that? Yep. Yeah. Yeah. Yeah. Yeah. No. Absolutely. That's understandable. So from what I can sort of see here, I'll go back and kinda review your portfolio a little bit. But I definitely maybe wanted to look at doing a bit of a risk profile questionnaire as well just to sort of see where you are sitting, because you did kinda mention to me that you are more of a conservative sort of person. When I sort of had a look back at your super, it looks like you might be in kind of that growth or high growth space. When we first signed you up on in 2021, I know they recommended more of a high growth portfolio. And it looks like you've probably maintained most of that kind of high growth sort of asset allocation. There's nothing wrong with that for your agent stays. That high growth environment, you are taking a bit more risk. You're generally seeing about 90% invested in equity markets with a bit of, you know, commodities like gold and silver, and then still having about 10% defensive there. We do expect the likelihood of a negative year, probably one in every five years for this kind of environment. And with the risk profile, you're kind of expecting an average rate of return of eight to 10%. In saying that, with the kind of volatility that can be seen from this high growth environment, it could be plus or minus extra 14%. So from that 10%, at a good year, you can have it extra at 14% added on there, like, with the when the markets are doing well, see really good gains. However, when the years are quite negative from that expected 8%, you can always expect a low of 14% less than that which puts you into the negative. So, realistically, it's about taking on the level of risk that you're comfortable with. But just because you're younger doesn't mean you have to take more risk. There are other things that can be done. I can see you're also making additional contributions to Super as well, and that can if you are wanting to be more conservative, adding more money into super can kind of help to mitigate the risk and close the gap a bit because you're investing more regularly and increasing the amount you're contributing. So that can also have a really good factor there for you. With with that, I just wanted to run through just a couple of questions to kinda gauge where your risk profiling might sort of fit for the moment. Just the first one here is have you ever invested in equity markets in your own name? Do you own any shares or cryptocurrency or anything? No. That's okay. That's a beautiful thing, isn't it? I've ticked the box to say you've got a bit of time. You can't actually access it because at the age of 60, so, realistically, you have longer than ten years ahead of you before accessing them. The next the next question here is about inflation, and it says inflation means that things are getting more expensive over time, which makes your money worth less. The question is when you think about your super, are you comfortable taking on a higher level of risk to try and get those greater returns? Are you comfortable taking on a moderate or medium amount of risk to get those higher returns or average returns? Or are you not comfortable with risk in the market knowing the returns are lower? Where do you sort of sit on that scale? And you can go in between if you like. Mhmm. Mhmm. Yeah. No. That's okay. That's not a problem at all. The next one here is how would you feel if you saw your super fall by 20% due to external market factors in, say, the next one to two years? Do you think you'd be wanting to take advantage of the market dip and put a bit of money into the market? Are you likely to hold and wait and speak to us and see what we suggest to do, or are you feeling a bit concerned about the markets and maybe wanting to sell the investments to cash? Yep. Yep. Beautiful. Excellent. And the last one here is seeing a super full in value, how does that make you feel? Are you feeling optimistic about the investment opportunities ahead? Are you cautious, concerned, or feeling a bit anxious knowing you're looking at the super balance having dropped? Mhmm. Mhmm. Yeah. Yep. That's perfect. Excellent. And the last one here is have you ever thought about borrowing to invest in shares or manage funds, or would you only ever borrow for, say, an investment property or just comfortable having borrowed for your own property that you live in? Yep. Yep. Yep. Yeah. That's absolutely fine. Not a problem. Well, thank you so much for answering those questions. Now where you have scored is in that kind of a growth environment there. So, realistically, that sees us drop the risk level from high growth to growth. So you have about 80% in those, like, equity market sort of areas that are high risk investments that see greater potential returns, but, you know, also tend to see the volatility as well. And then we sort of have that 20% in low risk defensive investments, the cash bonds and fixed interest. That growth kinda area is expecting a return of around about seven to 9% compounded. We still can expect the likely likelihood of a negative 10, kind of one in every five years. That growth environment suits someone who's not accessing their funds for about six years. And with the expected volatility, we kind of expect a plus or minus around about 11%. So from that nine percent in a good year, you could see an extra 11% on top of that. In a bad year, from the 7% down, we could also see it if of up to 11%, the other side of things. Do you kinda feel comfortable being in that growth kind of environment, or would you wanna be more high growth? How do you sort of feel, and where do you think you fit? Mhmm. Yeah. Mhmm. Yep. Yep. That's okay. Looking at where you're sort of talking to me about and I'll go back and double check sort of what your exposure looks like in the market at the moment, whether you are growth or more that high growth because I can see conflicting information in the past of our note fee. But, essentially, what I'll do with what I'm sort of thinking, you've kind of made mention to me that you do feel a bit more on that conservative side of things. And, realistically, for your age and stage, being in that growth environment is honestly absolutely fine. Normally, for someone of our age, they're either in that high growth environment or that growth environment. If you just feel like you want a little bit more not so much safer, but little bit more of that low risk effect, having 20% defensive is absolutely fine. Do you sort of think you'd like to be in that middle kind of area growth environment for a little bit longer? We sort of sit there for the time being. Look at your comfort level moving forward, and then if you feel comfortable to induce the increase the risk level, then we can kinda take that leap down the track. Does that feel more comfortable to you? Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. That's absolutely fine. That's not a problem. I'll go back and look at your super, do some research around it. I can even have a look at the Netwealth Fund and see if maybe there's any benefit to switching to another super fund if you're comfortable with me doing so. I can look at all the options, look at where things are tracking for you, look at, you know, the cost of everything. I also do look at the CGT side of it because your super fund, like, you actually pay income and capital gains that. So whenever I am switching investments or switching funds, I look at the consequences, what that looks like for you, how long it takes to kinda make that money back without additional growth, things like that. So if you're comfortable, I can have a look at everything, see how it's all tracking, and how we can put you in a better position and reassess the super and also the investments to kind of make sure you're in that growth environment, that the things are working as best they can, and see if we can lessen some fees in the fund for you. How does that sound? Yes. Beautiful. Excellent. So, look, as I said, portfolio does need a bit of work. We can do something a little bit better with it. So I do wanna sort of go back and review that. Markets haven't been great, and your portfolio has definitely performed a lot less than what I would like it to do. But I'm pretty comfortable I can go back and sort of look at a way to boost that for you. Do you have any questions currently on any of that at the moment? I know I touch on a lot, and I'm so sorry. Yeah. Yep. Absolutely. Yeah. Yeah. Absolutely. I do make it a habit of, like, checking things on a regular basis, going into the accounts of all my clients, having a look to see what's happening, where things are tracking, and, you know, giving you a buzz. I also do wanna kinda down the track. I'm starting to kind of make sure everyone gets these catch ups on a regular basis. So making sure to do about a six month catch up with you at the very least just to make sure that we can if anything needs to kind of be updated, that we can look to do that. It also means that if at any point you wanna flag the insurance aspect or look at any other advice, you've got me calling you to kinda catch up in those points of view. So are you happy with maybe a six month catch up moving forward as well just to, you know, make sure we're staying on top of everything? Yeah? That's okay. Yeah. Yep. Yep. Beautiful. I can always make it that if, you know, you're having a bit of trouble if we're having trouble getting a hold of you, it's kind of around that catch up time, I can just shoot you an email with an update of the before performance, talk about what's kinda going on and happening, and then allow you to come back and let me know when you wanna sort of talk, when it suits you just in case it is kind of a busy period and you're not really available at those times at those times. Is that okay with you? Yep. Beautiful. Just so we're making sure to touch base, but also not harassing you in any way when you're actually unavailable and probably not not really able to talk. So that's easy then. Perfect. Excellent. The other thing, just to kinda go through an update there for you. Now the other thing, sorry, your income. So when I am updating your advice, I do need to kinda factor in the contribution side of things for you. I know you kinda mentioned your income's a little bit higher. What is your do you know what your take home pay looks like on a weekly or fortnightly basis? Because I can always use that to go back and do the math for you. Yeah. You're right. Yeah. You're right. Not a problem. Perfect. So it's Fortnight. Excellent. Thank you for that. And I can see that you're also making some additional contributions, some non concessional contributions into Super there, which is fantastic. It looks like at the moment, it's around about a $103 on a fortnightly basis. Does that sound about right? Yes. Beautiful. And you're happy continuing that moving forward? Did you wanna kind of reevaluate those and or increase or alter those if it works out to your benefit to do so, or are you happy just to set them out because the the expenses are quite high? Yep. Yep. Beautiful. Beautiful. And then we with the non concessional contributions, so there are like, with the way you're doing it, it is really good because the money going in from your after tax income has been a 100% invested. So unlike your employer contributions, which sees 15% tax deducted out of it, that money is kind of providing a greater boost to you. Have you ever thought about claiming a notice of intent against those to sort of take them back to the tax deduction, or do you feel like the non concessional side of things is good, or did you want me to look at the best way to structure those to to provide you with a greater benefit? What's your thoughts there with those additional contributions? Mhmm. That's okay. Did you wanna keep them as Yeah. You're right. I'm sorry. Yes. Absolutely. As part of the advice of factoring those nonconcessional contributions at the current rate they are, I'll look at the benefit they're providing, look at other structures to see how it works for you, if there's a benefit in altering them, And I can make the recommendation to retain them as they are or to alter them if they need be. I'll keep them at the exact same amount that you're putting in there regularly, though, so as not to alter your expenditure. But I I can have a look at all of that as part of what I do, which is fantastic, and I'll come back and include that in the advice document for you. Does that sound okay? Yep. Fantastic. Excellent. Just running through the other assets I do have here as well. So I've got two cars noted down. I have a combined value on those vehicles of about 35,000. Would you still keep them about the same, or would you alter those valuations? Yes. Yes. Perfect. Yes. That's okay. That's not a problem at all. We also had noted you had some savings in the account, about 14,000 in savings. Do you still have those savings, or is that changed? Yes. Mhmm. To be used for the renovation. Yep. Yeah. Perfect. Not a problem at all. And is there any other assets or liabilities that we should probably note down as part of the fact signed at all? Nope. That's okay. Perfect. Beautiful. Excellent. That's beautiful. Thank you for that. The other thing to sort of talk about is the estate planning aspect. So I just had a quick look at your statement. I can see you've not got any beneficiary nominations on file. So I do wanna make sure that that is updated because at the moment, we're not having a beneficiary on your super fund. If you were to pass away, that money has to go through a bit of a probate process. Now just confirming, I don't like to make assumptions, but where would you realistically want your money to be paid to if you were to pass away? Perfect. And that's Michelle? Yeah. Beautiful. Beautiful. I will, as part of the the advice, update the beneficiary aspect before you make a recommendation. But it is really important we do have those beneficiaries on file because, essentially, if you would have passed away today, having its own little probate process, it means that people can come forward and stake a claim on your super. Obviously, there's no guarantees they're gonna get any of it, and, you know, it can just make life a little harder for Michelle in the event that she was trying to claim against this super there. So having those beneficiaries in place just makes it so much easier and more streamlined in the event that she ever did have to claim. Okay. Excellent. Beneficiary? Yeah. Beautiful. I can even get my team, if you're comfortable with us to do so, pre fill the documents for you with the information and send it out to you. That way, you just have to sign and get a witness, and it's all kind of prefilled, make it a little bit easier on you. Yep. Don't worry. That's okay. Yeah. That's okay. No worries. I'll make sure I follow it up. I'm pretty good with these sorts of things, and I do follow them up pretty regularly. So I'll make sure I can help you to do that. Did you want us to free fill Michelle's details for you to make it a little bit easier on you? That's okay? Yeah. No worries at all. And have you guys talked about doing up a power of attorney, will, or any other estate planning documents with a solicitor in the past? Yeah. No. Definitely. It is definitely something very important to do, especially having a home and everything like that. So, you know, when and if you do speak to a solicitor, definitely do so. I could even do up an email for you over the next couple of days if you like just to sort of outlay some information on some easy options to setting up your will. Did you want me to draft up something for you just as a bit of information? Yeah. No worries at all. Happy to help you out and do those sorts of things to give you guys a bit of a helping hand. Sometimes it can just be a little bit to start the conversation again. And there are some ways to kinda do it a little bit cheaply, especially with, like, the Queensland trap days where you can do it over the phone or on the line or by email. You don't actually have to go into the solicitor's office. So I can draft up a couple of those different options for you to kinda make it a bit easier when you are having those conversations. Perfect. Excellent. A couple of weird questions for you. Are you a pool are you a tax resident of another country? No? Beautiful. Told you it was a little bit weird. And do you guys have private health insurance? No. Yeah. No. That's okay. Not a problem at all. I told you those questions would be a little bit less packed. It's all good. Fantastic. So, realistically, with the advice, just to kind of recap on what I'll do, I'll go back and sort of scoping wise, we'll factor in superannuation. Now I know when you came on board originally, the advice was kinda giving you a projected outcome over the next thirty odd years. I don't kinda do that because your life can change very heavily within the next sort of ten years. I limit my projected outcomes to five to ten years. We sort of focus on what's happening in the shorter term and then note we can update things moving forward. I just I don't like the idea of projecting thirty years in the in the future. You just never know what could change. Exactly. Exactly. So just to let you know, that's kind of how I do the advice pages for you, but it's about making sure that we track things and keep updating things as your life changes too, which is really important. So I'll start in the superannuation side of things, looking at your contributions and how to structure them to make it work for you to give you the best benefits longer term. We'll update the portfolio. I'll look at the super and make sure that that net wealth is still appropriate. If not, I can recommend something else. I'll look at, you know, replacing any underperforming investments, look at cost back cost wise there. Do you have any kind of preference around having active managers in your fund to try and outperform against the market or more just looking at a low cost portfolio? What's your kind of preference in the way you prefer to have investment structured? If you don't have a preference, that's okay. Yeah. Yep. Yep. Beautiful. Well, I promise I will look after you. One of the big things that I sort of pride is that we do work under the best interest duty as part of the corporations act. So if there is ever a point where your best interest conflicts with that of anyone else here or my bosses, I always put you first. And I really honestly am probably the happiest little person to talk about super insurances the world has ever seen. So I'm looking forward to doing the research and coming back with the advice piece. We'll limit it to superannuation, and moving forward, we can always down the track, look at, you know, additional contributions if need be and insurances when you're ready to do so. But we'll sort of book a weather super tracking and what we can do and how we can structure the super and the portfolio to make it work for you. Does that sound okay? Beautiful. Look. Thank you so much. Now the only other sort of thing to sort of point out is that in that email there, when you press the sign here button, we have two little documents there. One of those is the ongoing service agreement, which essentially notes you pay an ongoing service fee of 1.65 percent per annum. Our ongoing service fee will, as of next year, be a full tiered structure, which essentially means that once your super balance hits over 200,000, you'll drop down into the next tier, which drops your fee from 1.65% to 1.375%. And then when it hits over 500,000, it will drop down a tier again. So we've kind of implemented that new structure so that as your superfast increases, you drop down to the tier and the percentage will decrease for you, which will kind of work out to your benefit as your super increases. If for now, because it's under that 200,000, just the 1.65% per annum, that is deducted out of your super on a monthly basis. In smaller increments there, the document does outline the total fee expected for the year, which will let you know how much you'll pay. I obviously wanna make sure your super builds on that, makes that 1.65%, and then an additional, you know, bit of growth and income on top of that so it continues to compound forward for you. The other document we have in there is the tax file opt in form. So it is really important that you're aware we do hold your tax file number. We are very security conscious here, and we like to make sure you're aware that we hold it how and why. So that document outlines that, and we just ask that you sign and return those two documents back to me at your earliest opportunity, and I'll get back into this research there for you. Do you have any additional questions at all? All good. Is there anything that I may have missed or I haven't touched on that might be important to you? Or yeah. Absolutely. No. Beautiful. Well, look. Thank you so much for your time this afternoon. I really appreciate you taking my call. I hope you have an amazing afternoon and a great weekend ahead. I will get back into this research. It takes a couple of weeks to complete things properly for you, but then I'll come back with the advice document. We can go through that together. How does that sound? Beautiful. I will let you go. I hope you have a great afternoon. Thank you so much for your time today. Thanks. Talk to you soon. See you later. 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Good hi, Christopher. This is Dana from OT Financial. How are you this afternoon? I'm very well.\n\nThank you. Thanks for asking. I had you booked in to go through your annual review today. Isn't that still a good time there for you? Normally, it takes about half an hour to kinda go through depending on what we touch base on, the things, look at your goals, be it a few circumstances, different things like that.\n\nThat's okay. I can sort of try to make it a little bit faster if if you'd like just to touch on the things we need to. So it just all depends on how how quickly go through everything for you. That's all. Is that now still okay?\n\nYeah. Beautiful. All good. Before we jump into the call there, Christopher, just to let you know, I do recall these calls with quality and training purposes. Are you happy for us to proceed with that?\n\nBeautiful. And just to do a quick security check there for you. So just to confirm, your full name, your date of birth, and address I should have on file? Yep. Yep.\n\nBeautiful. Thank you so much for that. Appreciate it. Now I normally do send through some annual review documents to kinda go through with you as part of the review. Are you able to access your emails?\n\nIf you can't, that's okay. I can go through things for you. Yes. Beautiful. I'm just going to send it through to you there now.\n\nBeautiful. Okay. It just told me it's sent. Hopefully, the Internet locks the same. It comes through to you nice and quickly.\n\nYeah. Fantastic. Excellent. So with that one there, to make it yeah. You do have a little button that says sign here, and if you press that button, it'll take you through to review the documents.\n\nBut the documents that I do kinda wanna review with you are actually set as attachments. So if you look below, there should be a couple of attachments there, and one of those will be your superannuation summary of insurance as a super. That's the one. Yeah. So if you can open up that one for me, that would be fantastic.\n\nIs that opening for you? Yep. Beautiful. Thank you so much for that. So just having a look back at your annual review, the last review we were able to do, I know your balance then was about $86,003.83.\n\nSo having a look at your balance as of the July 27, these documents were prepared just a couple of weeks back there. Your balance then was sitting at a $106,852.53. Looking at your super balance today, you're sitting at a $109,545.89 there. So you have had a bit more growth since we prepared these documents, which is fantastic. Excellent.\n\nNow underneath that, it does look like you don't really have any kind of insurances like personal protection, life, PVD, income protection, trauma. Has anyone kinda gone through and spoken to you about those sorts of insurances, what they are, how they can benefit you, or if you wanna look at getting anything like that? Yeah. Yep. Okay.\n\nAnd paid sort of out of your back pocket or personally? Yeah. Beautiful. How much are you covered for with that life insurance policy? Okay.\n\nPerfect. So you've got it this is the base of covering your mortgage just in the event that something was to happen. Yeah. Beautiful. Excellent.\n\nWell, I mean, looking at the way the life insurance is structured, you've got that solely for the purpose of paying out the mortgage. I'm just having a look at your current scenario here. On the last background, we had noted your mortgage was sitting at 161,000. Do you have you reduced that a bit since you last sort of spoke to us at all? Okay.\n\nYeah. You're right. Yeah. If you've got it, if you have an exact absolutely. If you can't find the exact system approximate, it's fine.\n\nYeah. You're right. Okay. Beautiful. Thank you for updating that there.\n\nSo, realistically, when you think about your life cover, your 200,000 basically almost covers the mortgage there. And then if you were to then pass away, your physical balance is also paid at your beneficiaries, which could provide an additional kind of boost there. With your income, you we had you on about 40,000. Is that the same, or have you got an increase since the last quarter? Yep.\n\nSorry. You just add molding. That's official. Yeah. No.\n\nThat's okay. All good. I mean, realistically, looking at sort of the insurance side of things, we're just kinda relating it back to your your life situation currently. If you were to then pass away, the Suncorp cover pays out the mortgage for you, and then your super benefit based on your current amount covers your income based on, say, 40,000 for almost three years, essentially. So a little under three years, actually, is seven months realistically.\n\nDo you think that's a fairly okay level of cover? Did you wanna look at maybe getting some additional life insurance, or are you sort of happy to support you've got at the moment? Mhmm. Yep. That's okay.\n\nYou're right. No. That's okay. All good. And thinking about other types of cover like disability insurance, income protection, and trauma, do you feel like you would wanna look at maybe getting some of that now or sort of hold up until down the track when you feel it's appropriate for you?\n\nWhat's your thoughts there? Yep. Yeah. So, realistically, if you weren't able to work in the short term, her income would still be fairly sufficient to cover the expenditure? Yep.\n\nThat's okay. Do you have any kind of long service leave, sick leave, or annual leave that you could also fall back on if you were off work in a short term? Yep. That's okay. Yeah.\n\nAbsolutely. Yeah. Definitely. Excellent. All good.\n\nPerfect. Well, I mean, income protection, so it doesn't look like it's more one of those things. The main sort of thing I'd be sort of looking at with you is probably PDD, total permanent incapacity. It's more about if you're never able to go back to work again, how you sort of look after yourself. One of the biggest things that I sort of focus on with TBD is that if you're not able to go back to work again, there's a cost of covering your income for a certain period of time.\n\nBut then then because you are still so young, a lot of people who are currently disabled have to make modifications to their house, buy new cars, pay for rehabilitation support, and things like that. So there are other costs to sort of think about when comes to permanent incapacity or total permanent disability. But when and if you are ready to have that kind of conversation, let me know. I'm more than happy to make time to talk about what your goals are, what's important to you, what kind of level of cover you might need and or want, and what the cost and how it can be structured to sort of help you along. Okay.\n\nEasy. Beautiful. When you do think about your super goal wise, I'm just sort of going back to your last day review. We had noted, I believe you were hoping to be able to access super oh, sorry. It's a bit longer back.\n\nAround about sort of sixty to sixty five months, does that ring a bell, and does that still sound fairly appropriate for you? Yeah. I really hope it's not 80 because I'm the same age as you, so I'd like to retire at 60. I would hate to get to 60 and then tell have them tell us we're gonna work another twenty years. We will have worked now.\n\nWell, I can actually give you some good news. So the age 67 mark, that is for the eligibility for the age pension through Centrelink. But when it comes to your super, you can actually access super at the age of 60. If you fully retire and or stop working with the intention to retire fully, you can access your super wholly tax free, take it as a lump sum or an income stream. Sixty five, they'll let you have it regardless of whether you're working or not.\n\nAnd 67, if you're eligible, you can access the age pension through Centrelink. So you really don't have to work as long as you think you do if you don't wanna. Mhmm. Mhmm. Yeah.\n\nYeah. Absolutely. And that's sort of what I wanted to look at things for you today. So this year has been a little bit up and down in the markets there. There have definitely been some volatility, and I kind of had a look at your super beforehand.\n\nI'm gonna go through the report with you in a minute, but I found some areas that we could probably make some improvements on your super because your portfolio is very much older. You've kinda been on board since 2021 there, and your your super you know, portfolio hasn't really changed or evolved much in that time. So I did have a really good look at things before we came on the call. And, realistically, I definitely like to make some changes to your super if you're comfortable with me doing so, and I'll go through sort of what I'm thinking there. But, look, in all honesty, you're not wrong.\n\nWhat you sort of said there about the way super grows and how it works is absolutely correct. Like, if you think about someone with receiving a 5% return and their balance is super 50,000, they're essentially making $2,500, whereas someone with that same 5% return on a $500,000 balance is about 25,000. So the idea is we start off with a lower balance. We'll have it out to get our super up to about 200,000. And then once you get over that 200 to $2.50 mark, you sort of start to see the compounding effect much greater, and your suit balance tends to start working a bit a bit better from there.\n\nSo you are absolutely correct in the way that works. It just feels like we work forever to get our suit balance up that high, so I understand that. But now look. Let's go through your paper because this year has been a little bit volatile, and I'm very upfront and honest with you. We've had some great returns, and the last year has had much of a lower rate of return.\n\nSo I have kind of wanted to go back and have a little bit of a look at the super, maybe update your portfolio to make sure that things are working a bit harder for you for the next couple of months. In that email, there's a document in there. It should say asset performance detail or portfolio report. Can you see that attachment there at all? Oh, sorry.\n\nThat's the one. Yeah. Perfect. Yep. That's okay.\n\nNo. That's understandable. Beautiful. Now the front page here basically goes through for the last twelve months and essentially looks at all the individual investments that you do have within your portfolio currently. This is based on the what sort of happens from July to July because that's on these documents to prepare that.\n\nBut there's not a great deal of change. We have seen a little bit more since then. So in the last probably month, we've seen about a few a two to 3% increase in the market and in your portfolio, which has been really good to see. But, realistically, one of the things we had better with the volatility and everything that's been going on this year is that markets have been a bit up and down, and it's definitely had a bit of an effect on everyone in their portfolios there. The other thing that really affected your portfolio this year was the Bennelong Estate equities investment that you've got there or did have.\n\nWe've actually removed that from your portfolio. So earlier this year, we had sort of notice that that was underperforming significantly. To kinda give you a run through on that along, that is an actively managed fund. So the investment manager within the fund there is supposed to be trying to pick and find the market, choose investments, and choose when to buy into those investments. And they must be trying to outperform against the market, essentially.\n\nThey haven't been able to do that. They've had some underlying issues within the investment. So we flagged this in March that that was an issue, and we had sent through a record of advice and email to you back then to let you know that we were pulling that out of your portfolio. Did you remember receiving that email at all in March? That's okay.\n\nIt is a few months ago now. It's all good. Yes. Now our investment committee had flagged. That investment was underperforming.\n\nWe wanted to remove that quickly, so we did send a record of advice out to everyone to try and remove that from the investment portfolios ASAP. It did, unfortunately, mean that there was some losses received. We had to cement those, but we've put you into the investment below that, which is the beta shares a 200. That investment is actually giving you broader diversification. So instead of having 15 or 25 different companies within the Benelon Fund, you now have exposed the top 200 companies on the ASX.\n\nSo it is giving you a lot more diversification, which is helping to lower your risk profile. It is more of a passively managed fund, so it is also cheaper, which means more money stays invested in your super for you. But it has sort of meant that the market, with the ups and downs and also Venlo having a bit of an effect there, that your portfolio hasn't returned what we sort of have liked it to return for this year. Since moving the a 200 in there, it has grown by about 2.92%. So it is good.\n\nWe have seen recovery back from that, but there is still a little bit of a recovery period to have from the Better Long investment being down. So I'm just letting you know, open and honest, that the markets haven't performed the way we want them to. Your performance is definitely lower than where we would like it to be this year, but I wanna go back and just review your investments because you are in an older portfolio. These investments haven't really been restructured or looked at in the past few years, and it is time to maybe update the portfolio to make sure that your your super is working a little bit harder for you. Do you have any questions, and are you comfortable with me doing that?\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nNo. Absolutely. That's understandable. So from what I can sort of see here, I'll go back and kinda review your portfolio a little bit. But I definitely maybe wanted to look at doing a bit of a risk profile questionnaire as well just to sort of see where you are sitting, because you did kinda mention to me that you are more of a conservative sort of person.\n\nWhen I sort of had a look back at your super, it looks like you might be in kind of that growth or high growth space. When we first signed you up on in 2021, I know they recommended more of a high growth portfolio. And it looks like you've probably maintained most of that kind of high growth sort of asset allocation. There's nothing wrong with that for your agent stays. That high growth environment, you are taking a bit more risk.\n\nYou're generally seeing about 90% invested in equity markets with a bit of, you know, commodities like gold and silver, and then still having about 10% defensive there. We do expect the likelihood of a negative year, probably one in every five years for this kind of environment. And with the risk profile, you're kind of expecting an average rate of return of eight to 10%. In saying that, with the kind of volatility that can be seen from this high growth environment, it could be plus or minus extra 14%. So from that 10%, at a good year, you can have it extra at 14% added on there, like, with the when the markets are doing well, see really good gains.\n\nHowever, when the years are quite negative from that expected 8%, you can always expect a low of 14% less than that which puts you into the negative. So, realistically, it's about taking on the level of risk that you're comfortable with. But just because you're younger doesn't mean you have to take more risk. There are other things that can be done. I can see you're also making additional contributions to Super as well, and that can if you are wanting to be more conservative, adding more money into super can kind of help to mitigate the risk and close the gap a bit because you're investing more regularly and increasing the amount you're contributing.\n\nSo that can also have a really good factor there for you. With with that, I just wanted to run through just a couple of questions to kinda gauge where your risk profiling might sort of fit for the moment. Just the first one here is have you ever invested in equity markets in your own name? Do you own any shares or cryptocurrency or anything? No.\n\nThat's okay. That's a beautiful thing, isn't it? I've ticked the box to say you've got a bit of time. You can't actually access it because at the age of 60, so, realistically, you have longer than ten years ahead of you before accessing them. The next the next question here is about inflation, and it says inflation means that things are getting more expensive over time, which makes your money worth less.\n\nThe question is when you think about your super, are you comfortable taking on a higher level of risk to try and get those greater returns? Are you comfortable taking on a moderate or medium amount of risk to get those higher returns or average returns? Or are you not comfortable with risk in the market knowing the returns are lower? Where do you sort of sit on that scale? And you can go in between if you like.\n\nMhmm. Mhmm. Yeah. No. That's okay.\n\nThat's not a problem at all. The next one here is how would you feel if you saw your super fall by 20% due to external market factors in, say, the next one to two years? Do you think you'd be wanting to take advantage of the market dip and put a bit of money into the market? Are you likely to hold and wait and speak to us and see what we suggest to do, or are you feeling a bit concerned about the markets and maybe wanting to sell the investments to cash? Yep.\n\nYep. Beautiful. Excellent. And the last one here is seeing a super full in value, how does that make you feel? Are you feeling optimistic about the investment opportunities ahead?\n\nAre you cautious, concerned, or feeling a bit anxious knowing you're looking at the super balance having dropped? Mhmm. Mhmm. Yeah. Yep.\n\nThat's perfect. Excellent. And the last one here is have you ever thought about borrowing to invest in shares or manage funds, or would you only ever borrow for, say, an investment property or just comfortable having borrowed for your own property that you live in? Yep. Yep.\n\nYep. Yeah. That's absolutely fine. Not a problem. Well, thank you so much for answering those questions.\n\nNow where you have scored is in that kind of a growth environment there. So, realistically, that sees us drop the risk level from high growth to growth. So you have about 80% in those, like, equity market sort of areas that are high risk investments that see greater potential returns, but, you know, also tend to see the volatility as well. And then we sort of have that 20% in low risk defensive investments, the cash bonds and fixed interest. That growth kinda area is expecting a return of around about seven to 9% compounded.\n\nWe still can expect the likely likelihood of a negative 10, kind of one in every five years. That growth environment suits someone who's not accessing their funds for about six years. And with the expected volatility, we kind of expect a plus or minus around about 11%. So from that nine percent in a good year, you could see an extra 11% on top of that. In a bad year, from the 7% down, we could also see it if of up to 11%, the other side of things.\n\nDo you kinda feel comfortable being in that growth kind of environment, or would you wanna be more high growth? How do you sort of feel, and where do you think you fit? Mhmm. Yeah. Mhmm.\n\nYep. Yep. That's okay. Looking at where you're sort of talking to me about and I'll go back and double check sort of what your exposure looks like in the market at the moment, whether you are growth or more that high growth because I can see conflicting information in the past of our note fee. But, essentially, what I'll do with what I'm sort of thinking, you've kind of made mention to me that you do feel a bit more on that conservative side of things.\n\nAnd, realistically, for your age and stage, being in that growth environment is honestly absolutely fine. Normally, for someone of our age, they're either in that high growth environment or that growth environment. If you just feel like you want a little bit more not so much safer, but little bit more of that low risk effect, having 20% defensive is absolutely fine. Do you sort of think you'd like to be in that middle kind of area growth environment for a little bit longer? We sort of sit there for the time being.\n\nLook at your comfort level moving forward, and then if you feel comfortable to induce the increase the risk level, then we can kinda take that leap down the track. Does that feel more comfortable to you? Yep. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yes.\n\nThat's absolutely fine. That's not a problem. I'll go back and look at your super, do some research around it. I can even have a look at the Netwealth Fund and see if maybe there's any benefit to switching to another super fund if you're comfortable with me doing so. I can look at all the options, look at where things are tracking for you, look at, you know, the cost of everything.\n\nI also do look at the CGT side of it because your super fund, like, you actually pay income and capital gains that. So whenever I am switching investments or switching funds, I look at the consequences, what that looks like for you, how long it takes to kinda make that money back without additional growth, things like that. So if you're comfortable, I can have a look at everything, see how it's all tracking, and how we can put you in a better position and reassess the super and also the investments to kind of make sure you're in that growth environment, that the things are working as best they can, and see if we can lessen some fees in the fund for you. How does that sound? Yes.\n\nBeautiful. Excellent. So, look, as I said, portfolio does need a bit of work. We can do something a little bit better with it. So I do wanna sort of go back and review that.\n\nMarkets haven't been great, and your portfolio has definitely performed a lot less than what I would like it to do. But I'm pretty comfortable I can go back and sort of look at a way to boost that for you. Do you have any questions currently on any of that at the moment? I know I touch on a lot, and I'm so sorry. Yeah.\n\nYep. Absolutely. Yeah. Yeah. Absolutely.\n\nI do make it a habit of, like, checking things on a regular basis, going into the accounts of all my clients, having a look to see what's happening, where things are tracking, and, you know, giving you a buzz. I also do wanna kinda down the track. I'm starting to kind of make sure everyone gets these catch ups on a regular basis. So making sure to do about a six month catch up with you at the very least just to make sure that we can if anything needs to kind of be updated, that we can look to do that. It also means that if at any point you wanna flag the insurance aspect or look at any other advice, you've got me calling you to kinda catch up in those points of view.\n\nSo are you happy with maybe a six month catch up moving forward as well just to, you know, make sure we're staying on top of everything? Yeah? That's okay. Yeah. Yep.\n\nYep. Beautiful. I can always make it that if, you know, you're having a bit of trouble if we're having trouble getting a hold of you, it's kind of around that catch up time, I can just shoot you an email with an update of the before performance, talk about what's kinda going on and happening, and then allow you to come back and let me know when you wanna sort of talk, when it suits you just in case it is kind of a busy period and you're not really available at those times at those times. Is that okay with you? Yep.\n\nBeautiful. Just so we're making sure to touch base, but also not harassing you in any way when you're actually unavailable and probably not not really able to talk. So that's easy then. Perfect. Excellent.\n\nThe other thing, just to kinda go through an update there for you. Now the other thing, sorry, your income. So when I am updating your advice, I do need to kinda factor in the contribution side of things for you. I know you kinda mentioned your income's a little bit higher. What is your do you know what your take home pay looks like on a weekly or fortnightly basis?\n\nBecause I can always use that to go back and do the math for you. Yeah. You're right. Yeah. You're right.\n\nNot a problem. Perfect. So it's Fortnight. Excellent. Thank you for that.\n\nAnd I can see that you're also making some additional contributions, some non concessional contributions into Super there, which is fantastic. It looks like at the moment, it's around about a $103 on a fortnightly basis. Does that sound about right? Yes. Beautiful.\n\nAnd you're happy continuing that moving forward? Did you wanna kind of reevaluate those and or increase or alter those if it works out to your benefit to do so, or are you happy just to set them out because the the expenses are quite high? Yep. Yep. Beautiful.\n\nBeautiful. And then we with the non concessional contributions, so there are like, with the way you're doing it, it is really good because the money going in from your after tax income has been a 100% invested. So unlike your employer contributions, which sees 15% tax deducted out of it, that money is kind of providing a greater boost to you. Have you ever thought about claiming a notice of intent against those to sort of take them back to the tax deduction, or do you feel like the non concessional side of things is good, or did you want me to look at the best way to structure those to to provide you with a greater benefit? What's your thoughts there with those additional contributions?\n\nMhmm. That's okay. Did you wanna keep them as Yeah. You're right. I'm sorry.\n\nYes. Absolutely. As part of the advice of factoring those nonconcessional contributions at the current rate they are, I'll look at the benefit they're providing, look at other structures to see how it works for you, if there's a benefit in altering them, And I can make the recommendation to retain them as they are or to alter them if they need be. I'll keep them at the exact same amount that you're putting in there regularly, though, so as not to alter your expenditure. But I I can have a look at all of that as part of what I do, which is fantastic, and I'll come back and include that in the advice document for you.\n\nDoes that sound okay? Yep. Fantastic. Excellent. Just running through the other assets I do have here as well.\n\nSo I've got two cars noted down. I have a combined value on those vehicles of about 35,000. Would you still keep them about the same, or would you alter those valuations? Yes. Yes.\n\nPerfect. Yes. That's okay. That's not a problem at all. We also had noted you had some savings in the account, about 14,000 in savings.\n\nDo you still have those savings, or is that changed? Yes. Mhmm. To be used for the renovation. Yep.\n\nYeah. Perfect. Not a problem at all. And is there any other assets or liabilities that we should probably note down as part of the fact signed at all? Nope.\n\nThat's okay. Perfect. Beautiful. Excellent. That's beautiful.\n\nThank you for that. The other thing to sort of talk about is the estate planning aspect. So I just had a quick look at your statement. I can see you've not got any beneficiary nominations on file. So I do wanna make sure that that is updated because at the moment, we're not having a beneficiary on your super fund.\n\nIf you were to pass away, that money has to go through a bit of a probate process. Now just confirming, I don't like to make assumptions, but where would you realistically want your money to be paid to if you were to pass away? Perfect. And that's Michelle? Yeah.\n\nBeautiful. Beautiful. I will, as part of the the advice, update the beneficiary aspect before you make a recommendation. But it is really important we do have those beneficiaries on file because, essentially, if you would have passed away today, having its own little probate process, it means that people can come forward and stake a claim on your super. Obviously, there's no guarantees they're gonna get any of it, and, you know, it can just make life a little harder for Michelle in the event that she was trying to claim against this super there.\n\nSo having those beneficiaries in place just makes it so much easier and more streamlined in the event that she ever did have to claim. Okay. Excellent. Beneficiary? Yeah.\n\nBeautiful. I can even get my team, if you're comfortable with us to do so, pre fill the documents for you with the information and send it out to you. That way, you just have to sign and get a witness, and it's all kind of prefilled, make it a little bit easier on you. Yep. Don't worry.\n\nThat's okay. Yeah. That's okay. No worries. I'll make sure I follow it up.\n\nI'm pretty good with these sorts of things, and I do follow them up pretty regularly. So I'll make sure I can help you to do that. Did you want us to free fill Michelle's details for you to make it a little bit easier on you? That's okay? Yeah.\n\nNo worries at all. And have you guys talked about doing up a power of attorney, will, or any other estate planning documents with a solicitor in the past? Yeah. No. Definitely.\n\nIt is definitely something very important to do, especially having a home and everything like that. So, you know, when and if you do speak to a solicitor, definitely do so. I could even do up an email for you over the next couple of days if you like just to sort of outlay some information on some easy options to setting up your will. Did you want me to draft up something for you just as a bit of information? Yeah.\n\nNo worries at all. Happy to help you out and do those sorts of things to give you guys a bit of a helping hand. Sometimes it can just be a little bit to start the conversation again. And there are some ways to kinda do it a little bit cheaply, especially with, like, the Queensland trap days where you can do it over the phone or on the line or by email. You don't actually have to go into the solicitor's office.\n\nSo I can draft up a couple of those different options for you to kinda make it a bit easier when you are having those conversations. Perfect. Excellent. A couple of weird questions for you. Are you a pool are you a tax resident of another country?\n\nNo? Beautiful. Told you it was a little bit weird. And do you guys have private health insurance? No.\n\nYeah. No. That's okay. Not a problem at all. I told you those questions would be a little bit less packed.\n\nIt's all good. Fantastic. So, realistically, with the advice, just to kind of recap on what I'll do, I'll go back and sort of scoping wise, we'll factor in superannuation. Now I know when you came on board originally, the advice was kinda giving you a projected outcome over the next thirty odd years. I don't kinda do that because your life can change very heavily within the next sort of ten years.\n\nI limit my projected outcomes to five to ten years. We sort of focus on what's happening in the shorter term and then note we can update things moving forward. I just I don't like the idea of projecting thirty years in the in the future. You just never know what could change. Exactly.\n\nExactly. So just to let you know, that's kind of how I do the advice pages for you, but it's about making sure that we track things and keep updating things as your life changes too, which is really important. So I'll start in the superannuation side of things, looking at your contributions and how to structure them to make it work for you to give you the best benefits longer term. We'll update the portfolio. I'll look at the super and make sure that that net wealth is still appropriate.\n\nIf not, I can recommend something else. I'll look at, you know, replacing any underperforming investments, look at cost back cost wise there. Do you have any kind of preference around having active managers in your fund to try and outperform against the market or more just looking at a low cost portfolio? What's your kind of preference in the way you prefer to have investment structured? If you don't have a preference, that's okay.\n\nYeah. Yep. Yep. Beautiful. Well, I promise I will look after you.\n\nOne of the big things that I sort of pride is that we do work under the best interest duty as part of the corporations act. So if there is ever a point where your best interest conflicts with that of anyone else here or my bosses, I always put you first. And I really honestly am probably the happiest little person to talk about super insurances the world has ever seen. So I'm looking forward to doing the research and coming back with the advice piece. We'll limit it to superannuation, and moving forward, we can always down the track, look at, you know, additional contributions if need be and insurances when you're ready to do so.\n\nBut we'll sort of book a weather super tracking and what we can do and how we can structure the super and the portfolio to make it work for you. Does that sound okay? Beautiful. Look. Thank you so much.\n\nNow the only other sort of thing to sort of point out is that in that email there, when you press the sign here button, we have two little documents there. One of those is the ongoing service agreement, which essentially notes you pay an ongoing service fee of 1.65 percent per annum. Our ongoing service fee will, as of next year, be a full tiered structure, which essentially means that once your super balance hits over 200,000, you'll drop down into the next tier, which drops your fee from 1.65% to 1.375%. And then when it hits over 500,000, it will drop down a tier again. So we've kind of implemented that new structure so that as your superfast increases, you drop down to the tier and the percentage will decrease for you, which will kind of work out to your benefit as your super increases.\n\nIf for now, because it's under that 200,000, just the 1.65% per annum, that is deducted out of your super on a monthly basis. In smaller increments there, the document does outline the total fee expected for the year, which will let you know how much you'll pay. I obviously wanna make sure your super builds on that, makes that 1.65%, and then an additional, you know, bit of growth and income on top of that so it continues to compound forward for you. The other document we have in there is the tax file opt in form. So it is really important that you're aware we do hold your tax file number.\n\nWe are very security conscious here, and we like to make sure you're aware that we hold it how and why. So that document outlines that, and we just ask that you sign and return those two documents back to me at your earliest opportunity, and I'll get back into this research there for you. Do you have any additional questions at all? All good. Is there anything that I may have missed or I haven't touched on that might be important to you?\n\nOr yeah. Absolutely. No. Beautiful. Well, look.\n\nThank you so much for your time this afternoon. I really appreciate you taking my call. I hope you have an amazing afternoon and a great weekend ahead. I will get back into this research. It takes a couple of weeks to complete things properly for you, but then I'll come back with the advice document.\n\nWe can go through that together. How does that sound? Beautiful. I will let you go. I hope you have a great afternoon.\n\nThank you so much for your time today. Thanks. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":5.68,"end":5.92,"sentiment":"neutral","sentiment_score":0.17322877049446106},{"text":"Good hi, Christopher.","start":5.92,"end":7.2,"sentiment":"positive","sentiment_score":0.36818129817644757},{"text":"This is Dana from OT Financial.","start":7.2,"end":8.9,"sentiment":"neutral","sentiment_score":0.3151786724726359},{"text":"How are you this afternoon?","start":9.04,"end":10.179999,"sentiment":"neutral","sentiment_score":0.3159039795398712},{"text":"I'm very well.","start":12.595,"end":13.475,"sentiment":"positive","sentiment_score":0.6221214930216471}],"sentiment":"positive","sentiment_score":0.3674849487013287,"num_words":18,"start":5.68,"end":13.475},{"sentences":[{"text":"Thank you.","start":13.475,"end":13.955,"sentiment":"positive","sentiment_score":0.6996822357177734},{"text":"Thanks for asking.","start":13.955,"end":14.935,"sentiment":"positive","sentiment_score":0.6151259541511536},{"text":"I had you booked in to go through your annual review today.","start":14.995001,"end":17.795,"sentiment":"neutral","sentiment_score":0.11565777224798997},{"text":"Isn't that still a good time there for you?","start":17.795,"end":19.815,"sentiment":"neutral","sentiment_score":0.09380746550030178},{"text":"Normally, it takes about half an hour to kinda go through depending on what we touch base on, the things, look at your goals, be it a few circumstances, different things like that.","start":23.875,"end":33.6,"sentiment":"neutral","sentiment_score":0.06694209118458358}],"sentiment":"neutral","sentiment_score":0.13027104744845527,"num_words":59,"start":13.475,"end":33.6},{"sentences":[{"text":"That's okay.","start":35.18,"end":35.9,"sentiment":"neutral","sentiment_score":0.20557705312967303},{"text":"I can sort of try to make it a little bit faster if if you'd like just to touch on the things we need to.","start":35.9,"end":41.52,"sentiment":"neutral","sentiment_score":0.10332943320274353},{"text":"So it just all depends on how how quickly go through everything for you.","start":42.415,"end":45.775,"sentiment":"neutral","sentiment_score":0.12242606282234192},{"text":"That's all.","start":45.775,"end":46.335,"sentiment":"neutral","sentiment_score":0.09566639363765717},{"text":"Is that now still okay?","start":46.335,"end":47.955,"sentiment":"neutral","sentiment_score":0.08262636512517929}],"sentiment":"neutral","sentiment_score":0.11068373809879024,"num_words":48,"start":35.18,"end":47.955},{"sentences":[{"text":"Yeah.","start":49.695,"end":50.095,"sentiment":"neutral","sentiment_score":0.257416307926178},{"text":"Beautiful.","start":50.095,"end":50.595,"sentiment":"positive","sentiment_score":0.5450617671012878},{"text":"All good.","start":50.655,"end":51.395,"sentiment":"positive","sentiment_score":0.452196404337883},{"text":"Before we jump into the call there, Christopher, just to let you know, I do recall these calls with quality and training purposes.","start":51.455,"end":56.449997,"sentiment":"neutral","sentiment_score":0.09539579438126605},{"text":"Are you happy for us to proceed with that?","start":56.449997,"end":58.39,"sentiment":"neutral","sentiment_score":0.14471936970949173}],"sentiment":"neutral","sentiment_score":0.14454023560716045,"num_words":36,"start":49.695,"end":58.39},{"sentences":[{"text":"Beautiful.","start":59.89,"end":60.39,"sentiment":"neutral","sentiment_score":0.2852322459220886},{"text":"And just to do a quick security check there for you.","start":60.769997,"end":62.929996,"sentiment":"neutral","sentiment_score":0.11831812154163014},{"text":"So just to confirm, your full name, your date of birth, and address I should have on file?","start":62.929996,"end":66.95,"sentiment":"neutral","sentiment_score":0.08607825512687366},{"text":"Yep.","start":70.77,"end":71.145,"sentiment":"neutral","sentiment_score":0.029134174808859825},{"text":"Yep.","start":74.185,"end":74.685,"sentiment":"neutral","sentiment_score":0.02990940771996975}],"sentiment":"neutral","sentiment_score":0.09984949242789298,"num_words":32,"start":59.89,"end":74.685},{"sentences":[{"text":"Beautiful.","start":80.985,"end":81.485,"sentiment":"positive","sentiment_score":0.4265575110912323},{"text":"Thank you so much for that.","start":81.625,"end":82.985,"sentiment":"positive","sentiment_score":0.6322971185048422},{"text":"Appreciate it.","start":82.985,"end":83.88,"sentiment":"positive","sentiment_score":0.6350058019161224},{"text":"Now I normally do send through some annual review documents to kinda go through with you as part of the review.","start":84.119995,"end":88.92,"sentiment":"neutral","sentiment_score":0.1097396942121642},{"text":"Are you able to access your emails?","start":88.92,"end":90.759995,"sentiment":"neutral","sentiment_score":0.03263962960668972}],"sentiment":"neutral","sentiment_score":0.216847643558238,"num_words":37,"start":80.985,"end":90.759995},{"sentences":[{"text":"If you can't, that's okay.","start":90.759995,"end":91.96,"sentiment":"neutral","sentiment_score":0.03569480776786804},{"text":"I can go through things for you.","start":91.96,"end":93.82,"sentiment":"neutral","sentiment_score":0.17450751151357377},{"text":"Yes.","start":96.759995,"end":97.159996,"sentiment":"neutral","sentiment_score":0.2055404037237167},{"text":"Beautiful.","start":97.159996,"end":97.659996,"sentiment":"positive","sentiment_score":0.44145309925079346},{"text":"I'm just going to send it through to you there now.","start":97.799995,"end":100.715,"sentiment":"neutral","sentiment_score":0.30483291907743976}],"sentiment":"neutral","sentiment_score":0.21600728929042817,"num_words":25,"start":90.759995,"end":100.715},{"sentences":[{"text":"Beautiful.","start":102.455,"end":102.955,"sentiment":"positive","sentiment_score":0.41216185688972473},{"text":"Okay.","start":106.295,"end":106.774994,"sentiment":"neutral","sentiment_score":0.25492414832115173},{"text":"It just told me it's sent.","start":106.774994,"end":107.975,"sentiment":"neutral","sentiment_score":0.19199680288632712},{"text":"Hopefully, the Internet locks the same.","start":107.975,"end":109.575,"sentiment":"neutral","sentiment_score":0.20626386751731238},{"text":"It comes through to you nice and quickly.","start":109.575,"end":111.274994,"sentiment":"positive","sentiment_score":0.39439691230654716}],"sentiment":"neutral","sentiment_score":0.2823556966402314,"num_words":22,"start":102.455,"end":111.274994},{"sentences":[{"text":"Yeah.","start":113.88,"end":114.36,"sentiment":"neutral","sentiment_score":0.27501171827316284},{"text":"Fantastic.","start":114.36,"end":114.86,"sentiment":"positive","sentiment_score":0.44804298877716064},{"text":"Excellent.","start":124.28,"end":124.78,"sentiment":"neutral","sentiment_score":0.107721745967865},{"text":"So with that one there, to make it yeah.","start":124.92,"end":128.145,"sentiment":"neutral","sentiment_score":0.054603125900030136},{"text":"You do have a little button that says sign here, and if you press that button, it'll take you through to review the documents.","start":128.145,"end":132.965,"sentiment":"neutral","sentiment_score":0.04947426441746453}],"sentiment":"neutral","sentiment_score":0.06971074811493357,"num_words":36,"start":113.88,"end":132.965},{"sentences":[{"text":"But the documents that I do kinda wanna review with you are actually set as attachments.","start":133.105,"end":137.445,"sentiment":"neutral","sentiment_score":0.03480093437246978},{"text":"So if you look below, there should be a couple of attachments there, and one of those will be your superannuation summary of insurance as a super.","start":137.505,"end":145.26,"sentiment":"neutral","sentiment_score":0.05110151575947249},{"text":"That's the one.","start":149.4,"end":150.12,"sentiment":"positive","sentiment_score":0.3345230718453725},{"text":"Yeah.","start":150.12,"end":150.36,"sentiment":"positive","sentiment_score":0.36530601978302},{"text":"So if you can open up that one for me, that would be fantastic.","start":150.36,"end":153.5,"sentiment":"positive","sentiment_score":0.48971398174762726}],"sentiment":"neutral","sentiment_score":0.166580768118872,"num_words":61,"start":133.105,"end":153.5},{"sentences":[{"text":"Is that opening for you?","start":164.205,"end":165.825,"sentiment":"neutral","sentiment_score":0.04842011034488678},{"text":"Yep.","start":168.125,"end":168.57,"sentiment":"neutral","sentiment_score":0.14506548643112183},{"text":"Beautiful.","start":169.53001,"end":170.03001,"sentiment":"positive","sentiment_score":0.5545045733451843},{"text":"Thank you so much for that.","start":170.17001,"end":171.53001,"sentiment":"positive","sentiment_score":0.6679316461086273},{"text":"So just having a look back at your annual review, the last review we were able to do, I know your balance then was about $86,003.83.","start":171.53001,"end":179.53001,"sentiment":"neutral","sentiment_score":0.15177402903254217}],"sentiment":"neutral","sentiment_score":0.2280868011025282,"num_words":39,"start":164.205,"end":179.53001},{"sentences":[{"text":"So having a look at your balance as of the July 27, these documents were prepared just a couple of weeks back there.","start":179.53001,"end":185.855,"sentiment":"neutral","sentiment_score":0.08510698199920032},{"text":"Your balance then was sitting at a $106,852.53.","start":186.395,"end":191.535,"sentiment":"neutral","sentiment_score":0.0888433950021863},{"text":"Looking at your super balance today, you're sitting at a $109,545.89 there.","start":191.915,"end":197.94,"sentiment":"neutral","sentiment_score":0.13676665102442107},{"text":"So you have had a bit more growth since we prepared these documents, which is fantastic.","start":197.94,"end":202.04001,"sentiment":"positive","sentiment_score":0.3668302074074745},{"text":"Excellent.","start":204.34,"end":204.84,"sentiment":"positive","sentiment_score":0.4868587851524353}],"sentiment":"neutral","sentiment_score":0.1777591610327363,"num_words":60,"start":179.53001,"end":204.84},{"sentences":[{"text":"Now underneath that, it does look like you don't really have any kind of insurances like personal protection, life, PVD, income protection, trauma.","start":205.94,"end":213.875,"sentiment":"neutral","sentiment_score":-0.0666877471882364},{"text":"Has anyone kinda gone through and spoken to you about those sorts of insurances, what they are, how they can benefit you, or if you wanna look at getting anything like that?","start":213.875,"end":222.295,"sentiment":"neutral","sentiment_score":-0.02084117627236992},{"text":"Yeah.","start":226.12,"end":226.62,"sentiment":"neutral","sentiment_score":-0.07429327815771103},{"text":"Yep.","start":238.49501,"end":238.99501,"sentiment":"neutral","sentiment_score":-0.003416556864976883},{"text":"Okay.","start":240.335,"end":240.835,"sentiment":"neutral","sentiment_score":-0.01379981730133295}],"sentiment":"neutral","sentiment_score":-0.03952147376498785,"num_words":58,"start":205.94,"end":240.835},{"sentences":[{"text":"And paid sort of out of your back pocket or personally?","start":240.895,"end":243.315,"sentiment":"neutral","sentiment_score":-0.039626065980304374},{"text":"Yeah.","start":245.05501,"end":245.375,"sentiment":"neutral","sentiment_score":0.06286462396383286},{"text":"Beautiful.","start":245.375,"end":245.85501,"sentiment":"neutral","sentiment_score":0.24396464228630063},{"text":"How much are you covered for with that life insurance policy?","start":245.85501,"end":248.43501,"sentiment":"neutral","sentiment_score":0.05147255990992893},{"text":"Okay.","start":259.28,"end":259.76,"sentiment":"positive","sentiment_score":0.3799738883972168}],"sentiment":"neutral","sentiment_score":0.03268458351492882,"num_words":25,"start":240.895,"end":259.76},{"sentences":[{"text":"Perfect.","start":259.76,"end":260.26,"sentiment":"positive","sentiment_score":0.6084169149398804},{"text":"So you've got it this is the base of covering your mortgage just in the event that something was to happen.","start":260.32,"end":265.035,"sentiment":"neutral","sentiment_score":0.27867048269226435},{"text":"Yeah.","start":266.555,"end":267.055,"sentiment":"neutral","sentiment_score":0.31745582818984985},{"text":"Beautiful.","start":267.115,"end":267.615,"sentiment":"positive","sentiment_score":0.7179501056671143},{"text":"Excellent.","start":267.67502,"end":268.075,"sentiment":"positive","sentiment_score":0.6973292827606201}],"sentiment":"neutral","sentiment_score":0.32772929072380064,"num_words":25,"start":259.76,"end":268.075},{"sentences":[{"text":"Well, I mean, looking at the way the life insurance is structured, you've got that solely for the purpose of paying out the mortgage.","start":268.075,"end":274.175,"sentiment":"neutral","sentiment_score":0.17116746492683887},{"text":"I'm just having a look at your current scenario here.","start":274.315,"end":278.50998,"sentiment":"neutral","sentiment_score":0.06186982505023479},{"text":"On the last background, we had noted your mortgage was sitting at 161,000.","start":279.12997,"end":284.11,"sentiment":"neutral","sentiment_score":-0.004027948571512332},{"text":"Do you have you reduced that a bit since you last sort of spoke to us at all?","start":284.81,"end":288.66998,"sentiment":"neutral","sentiment_score":-0.026040784290267363},{"text":"Okay.","start":297.225,"end":297.725,"sentiment":"neutral","sentiment_score":0.026380758732557297}],"sentiment":"neutral","sentiment_score":0.06412122301249341,"num_words":66,"start":268.075,"end":297.725},{"sentences":[{"text":"Yeah.","start":302.425,"end":302.745,"sentiment":"neutral","sentiment_score":0.056447871029376984},{"text":"You're right.","start":302.745,"end":303.42,"sentiment":"neutral","sentiment_score":0.08403293043375015},{"text":"Yeah.","start":306.86002,"end":307.1,"sentiment":"neutral","sentiment_score":0.058596059679985046},{"text":"If you've got it, if you have an exact absolutely.","start":307.1,"end":310.08002,"sentiment":"neutral","sentiment_score":0.05500411540269852},{"text":"If you can't find the exact system approximate, it's fine.","start":310.22,"end":313.28,"sentiment":"neutral","sentiment_score":0.05782278478145599}],"sentiment":"neutral","sentiment_score":0.05880744972576698,"num_words":24,"start":302.425,"end":313.28},{"sentences":[{"text":"Yeah.","start":326.975,"end":327.215,"sentiment":"neutral","sentiment_score":0.04333103820681572},{"text":"You're right.","start":327.215,"end":328.035,"sentiment":"neutral","sentiment_score":0.05736108124256134},{"text":"Okay.","start":332.815,"end":333.315,"sentiment":"neutral","sentiment_score":0.03524555265903473},{"text":"Beautiful.","start":336.04,"end":336.36002,"sentiment":"positive","sentiment_score":0.5387169122695923},{"text":"Thank you for updating that there.","start":336.36002,"end":338.22,"sentiment":"positive","sentiment_score":0.5714805622895559}],"sentiment":"positive","sentiment_score":0.3782635490325364,"num_words":11,"start":326.975,"end":338.22},{"sentences":[{"text":"So, realistically, when you think about your life cover, your 200,000 basically almost covers the mortgage there.","start":338.6,"end":344.6,"sentiment":"neutral","sentiment_score":0.22263544359627893},{"text":"And then if you were to then pass away, your physical balance is also paid at your beneficiaries, which could provide an additional kind of boost there.","start":344.6,"end":352.035,"sentiment":"neutral","sentiment_score":0.24975529257897977},{"text":"With your income, you we had you on about 40,000.","start":352.33502,"end":356.27502,"sentiment":"neutral","sentiment_score":0.08248764351010322},{"text":"Is that the same, or have you got an increase since the last quarter?","start":356.495,"end":359.95502,"sentiment":"neutral","sentiment_score":0.028587602211960723},{"text":"Yep.","start":365.5,"end":366.0,"sentiment":"neutral","sentiment_score":-0.17177164554595947}],"sentiment":"neutral","sentiment_score":0.16784821248248868,"num_words":69,"start":338.6,"end":366.0},{"sentences":[{"text":"Sorry.","start":371.58,"end":371.9,"sentiment":"neutral","sentiment_score":-0.12654684484004974},{"text":"You just add molding.","start":371.9,"end":372.94,"sentiment":"neutral","sentiment_score":-0.07314981892704964},{"text":"That's official.","start":372.94,"end":373.75998,"sentiment":"neutral","sentiment_score":-0.007056981005007401},{"text":"Yeah.","start":382.405,"end":382.805,"sentiment":"neutral","sentiment_score":-0.06287861615419388},{"text":"No.","start":382.805,"end":382.965,"sentiment":"neutral","sentiment_score":-0.022224199026823044}],"sentiment":"neutral","sentiment_score":-0.05759587752658667,"num_words":9,"start":371.58,"end":382.965},{"sentences":[{"text":"That's okay.","start":382.965,"end":383.865,"sentiment":"neutral","sentiment_score":0.11858423613011837},{"text":"All good.","start":383.925,"end":384.585,"sentiment":"neutral","sentiment_score":0.23018115758895874},{"text":"I mean, realistically, looking at sort of the insurance side of things, we're just kinda relating it back to your your life situation currently.","start":384.645,"end":392.61,"sentiment":"neutral","sentiment_score":0.04975197619448105},{"text":"If you were to then pass away, the Suncorp cover pays out the mortgage for you, and then your super benefit based on your current amount covers your income based on, say, 40,000 for almost three years, essentially.","start":393.07,"end":406.20502,"sentiment":"neutral","sentiment_score":0.008160935555535712},{"text":"So a little under three years, actually, is seven months realistically.","start":406.20502,"end":409.345,"sentiment":"neutral","sentiment_score":0.019632578573443672}],"sentiment":"neutral","sentiment_score":0.031398079630181,"num_words":77,"start":382.965,"end":409.345},{"sentences":[{"text":"Do you think that's a fairly okay level of cover?","start":410.125,"end":412.685,"sentiment":"neutral","sentiment_score":0.08881172239780426},{"text":"Did you wanna look at maybe getting some additional life insurance, or are you sort of happy to support you've got at the moment?","start":412.685,"end":418.385,"sentiment":"neutral","sentiment_score":0.02814237509543697},{"text":"Mhmm.","start":423.77,"end":424.27,"sentiment":"neutral","sentiment_score":0.051413051784038544},{"text":"Yep.","start":426.89,"end":427.29,"sentiment":"neutral","sentiment_score":0.005172181408852339},{"text":"That's okay.","start":427.29,"end":428.11002,"sentiment":"neutral","sentiment_score":-0.14001822471618652}],"sentiment":"neutral","sentiment_score":0.035265342369185465,"num_words":38,"start":410.125,"end":428.11002},{"sentences":[{"text":"You're right.","start":429.77,"end":430.51,"sentiment":"neutral","sentiment_score":-0.10086076706647873},{"text":"No.","start":431.93,"end":432.09,"sentiment":"neutral","sentiment_score":-0.0893229991197586},{"text":"That's okay.","start":432.09,"end":432.99,"sentiment":"neutral","sentiment_score":0.06267659645527601},{"text":"All good.","start":433.13,"end":433.87,"sentiment":"positive","sentiment_score":0.4053758233785629},{"text":"And thinking about other types of cover like disability insurance, income protection, and trauma, do you feel like you would wanna look at maybe getting some of that now or sort of hold up until down the track when you feel it's appropriate for you?","start":434.415,"end":446.095,"sentiment":"neutral","sentiment_score":0.005041855076948802}],"sentiment":"neutral","sentiment_score":0.016768149709185727,"num_words":52,"start":429.77,"end":446.095},{"sentences":[{"text":"What's your thoughts there?","start":446.095,"end":447.395,"sentiment":"neutral","sentiment_score":-0.009452398080611601},{"text":"Yep.","start":460.28,"end":460.78,"sentiment":"neutral","sentiment_score":0.025310885161161423},{"text":"Yeah.","start":477.0,"end":477.5,"sentiment":"neutral","sentiment_score":0.019369784742593765},{"text":"So, realistically, if you weren't able to work in the short term, her income would still be fairly sufficient to cover the expenditure?","start":477.56,"end":483.58002,"sentiment":"neutral","sentiment_score":-0.010339522572315258},{"text":"Yep.","start":486.04,"end":486.28,"sentiment":"neutral","sentiment_score":0.05382167920470238}],"sentiment":"neutral","sentiment_score":-0.005903875412574659,"num_words":30,"start":446.095,"end":486.28},{"sentences":[{"text":"That's okay.","start":486.28,"end":487.0,"sentiment":"neutral","sentiment_score":0.08888526633381844},{"text":"Do you have any kind of long service leave, sick leave, or annual leave that you could also fall back on if you were off work in a short term?","start":487.0,"end":493.385,"sentiment":"neutral","sentiment_score":-0.007918860918531815},{"text":"Yep.","start":497.525,"end":498.005,"sentiment":"neutral","sentiment_score":-0.030342012643814087},{"text":"That's okay.","start":498.005,"end":498.745,"sentiment":"neutral","sentiment_score":0.05395163409411907},{"text":"Yeah.","start":512.0,"end":512.39996,"sentiment":"neutral","sentiment_score":0.0688517615199089}],"sentiment":"neutral","sentiment_score":0.0024060478382226494,"num_words":36,"start":486.28,"end":512.39996},{"sentences":[{"text":"Absolutely.","start":512.39996,"end":512.89996,"sentiment":"neutral","sentiment_score":0.17319658398628235},{"text":"Yeah.","start":513.52,"end":514.02,"sentiment":"neutral","sentiment_score":0.16861823201179504},{"text":"Definitely.","start":514.08,"end":514.58,"sentiment":"neutral","sentiment_score":0.29355573654174805},{"text":"Excellent.","start":516.48,"end":516.98,"sentiment":"positive","sentiment_score":0.549784243106842},{"text":"All good.","start":517.36,"end":518.1,"sentiment":"positive","sentiment_score":0.5268421471118927}],"sentiment":"positive","sentiment_score":0.37313984831174213,"num_words":6,"start":512.39996,"end":518.1},{"sentences":[{"text":"Perfect.","start":519.345,"end":519.745,"sentiment":"neutral","sentiment_score":0.1025753915309906},{"text":"Well, I mean, income protection, so it doesn't look like it's more one of those things.","start":519.745,"end":523.105,"sentiment":"neutral","sentiment_score":-0.0704189904499799},{"text":"The main sort of thing I'd be sort of looking at with you is probably PDD, total permanent incapacity.","start":523.105,"end":528.565,"sentiment":"neutral","sentiment_score":-0.13270050836236855},{"text":"It's more about if you're never able to go back to work again, how you sort of look after yourself.","start":528.785,"end":534.13,"sentiment":"neutral","sentiment_score":-0.14923321902751924},{"text":"One of the biggest things that I sort of focus on with TBD is that if you're not able to go back to work again, there's a cost of covering your income for a certain period of time.","start":534.51,"end":545.085,"sentiment":"neutral","sentiment_score":-0.0904802025148743}],"sentiment":"neutral","sentiment_score":-0.10604627862414147,"num_words":94,"start":519.345,"end":545.085},{"sentences":[{"text":"But then then because you are still so young, a lot of people who are currently disabled have to make modifications to their house, buy new cars, pay for rehabilitation support, and things like that.","start":545.16504,"end":556.445,"sentiment":"neutral","sentiment_score":-0.11212328704340117},{"text":"So there are other costs to sort of think about when comes to permanent incapacity or total permanent disability.","start":556.445,"end":562.79,"sentiment":"neutral","sentiment_score":-0.10602879445803792},{"text":"But when and if you are ready to have that kind of conversation, let me know.","start":563.49,"end":566.85,"sentiment":"neutral","sentiment_score":0.05872769164852798},{"text":"I'm more than happy to make time to talk about what your goals are, what's important to you, what kind of level of cover you might need and or want, and what the cost and how it can be structured to sort of help you along.","start":566.85,"end":578.325,"sentiment":"positive","sentiment_score":0.33584648143985996},{"text":"Okay.","start":578.625,"end":579.125,"sentiment":"neutral","sentiment_score":0.23588097095489505}],"sentiment":"neutral","sentiment_score":0.09132991489182171,"num_words":117,"start":545.16504,"end":579.125},{"sentences":[{"text":"Easy.","start":581.10504,"end":581.60504,"sentiment":"positive","sentiment_score":0.5063994526863098},{"text":"Beautiful.","start":581.66504,"end":582.16504,"sentiment":"positive","sentiment_score":0.685266375541687},{"text":"When you do think about your super goal wise, I'm just sort of going back to your last day review.","start":583.025,"end":588.08,"sentiment":"neutral","sentiment_score":0.20628073140978814},{"text":"We had noted, I believe you were hoping to be able to access super oh, sorry.","start":588.08,"end":593.04004,"sentiment":"neutral","sentiment_score":0.08722364064306021},{"text":"It's a bit longer back.","start":593.04004,"end":594.26,"sentiment":"neutral","sentiment_score":-0.009989802027121186}],"sentiment":"neutral","sentiment_score":0.15495138829249108,"num_words":43,"start":581.10504,"end":594.26},{"sentences":[{"text":"Around about sort of sixty to sixty five months, does that ring a bell, and does that still sound fairly appropriate for you?","start":594.96,"end":601.185,"sentiment":"neutral","sentiment_score":0.046345754648032395},{"text":"Yeah.","start":612.625,"end":613.105,"sentiment":"neutral","sentiment_score":0.02358711883425713},{"text":"I really hope it's not 80 because I'm the same age as you, so I'd like to retire at 60.","start":613.105,"end":620.53,"sentiment":"neutral","sentiment_score":-0.045427163038402794},{"text":"I would hate to get to 60 and then tell have them tell us we're gonna work another twenty years.","start":620.83,"end":625.25,"sentiment":"neutral","sentiment_score":-0.2842887558043003},{"text":"We will have worked now.","start":625.55,"end":626.93,"sentiment":"neutral","sentiment_score":-0.08742169737815857}],"sentiment":"neutral","sentiment_score":-0.08611430997109931,"num_words":69,"start":594.96,"end":626.93},{"sentences":[{"text":"Well, I can actually give you some good news.","start":631.005,"end":633.805,"sentiment":"positive","sentiment_score":0.37444935118158656},{"text":"So the age 67 mark, that is for the eligibility for the age pension through Centrelink.","start":633.805,"end":639.42505,"sentiment":"neutral","sentiment_score":0.11641370505094528},{"text":"But when it comes to your super, you can actually access super at the age of 60.","start":639.565,"end":644.95,"sentiment":"neutral","sentiment_score":0.28808530200930205},{"text":"If you fully retire and or stop working with the intention to retire fully, you can access your super wholly tax free, take it as a lump sum or an income stream.","start":644.95,"end":656.01,"sentiment":"neutral","sentiment_score":0.28184592770412564},{"text":"Sixty five, they'll let you have it regardless of whether you're working or not.","start":656.615,"end":660.135,"sentiment":"neutral","sentiment_score":0.3294437527656555}],"sentiment":"neutral","sentiment_score":0.2700158613733947,"num_words":88,"start":631.005,"end":660.135},{"sentences":[{"text":"And 67, if you're eligible, you can access the age pension through Centrelink.","start":660.135,"end":664.555,"sentiment":"neutral","sentiment_score":0.3051832960202144},{"text":"So you really don't have to work as long as you think you do if you don't wanna.","start":664.695,"end":669.195,"sentiment":"neutral","sentiment_score":0.19048755119244257},{"text":"Mhmm.","start":684.95996,"end":685.45996,"sentiment":"neutral","sentiment_score":0.019875913858413696},{"text":"Mhmm.","start":699.59503,"end":700.02,"sentiment":"neutral","sentiment_score":-0.040320321917533875},{"text":"Yeah.","start":711.14,"end":711.64,"sentiment":"neutral","sentiment_score":-0.009540895000100136}],"sentiment":"neutral","sentiment_score":0.21665216078433921,"num_words":34,"start":660.135,"end":711.64},{"sentences":[{"text":"Yeah.","start":714.255,"end":714.755,"sentiment":"neutral","sentiment_score":0.00885571539402008},{"text":"Absolutely.","start":721.695,"end":722.195,"sentiment":"neutral","sentiment_score":0.22548538446426392},{"text":"And that's sort of what I wanted to look at things for you today.","start":722.815,"end":725.53503,"sentiment":"neutral","sentiment_score":0.2612892687320709},{"text":"So this year has been a little bit up and down in the markets there.","start":725.53503,"end":728.26,"sentiment":"neutral","sentiment_score":-0.10855782727400462},{"text":"There have definitely been some volatility, and I kind of had a look at your super beforehand.","start":728.26,"end":732.83997,"sentiment":"neutral","sentiment_score":-0.15210332151721506}],"sentiment":"neutral","sentiment_score":-0.006702771099905173,"num_words":48,"start":714.255,"end":732.83997},{"sentences":[{"text":"I'm gonna go through the report with you in a minute, but I found some areas that we could probably make some improvements on your super because your portfolio is very much older.","start":732.89996,"end":740.715,"sentiment":"neutral","sentiment_score":0.1477246887304566},{"text":"You've kinda been on board since 2021 there, and your your super you know, portfolio hasn't really changed or evolved much in that time.","start":740.79504,"end":748.395,"sentiment":"neutral","sentiment_score":0.004564207047224045},{"text":"So I did have a really good look at things before we came on the call.","start":748.395,"end":752.655,"sentiment":"neutral","sentiment_score":0.3066816097125411},{"text":"And, realistically, I definitely like to make some changes to your super if you're comfortable with me doing so, and I'll go through sort of what I'm thinking there.","start":753.20996,"end":760.43,"sentiment":"positive","sentiment_score":0.3361120671033859},{"text":"But, look, in all honesty, you're not wrong.","start":761.05,"end":763.38995,"sentiment":"neutral","sentiment_score":0.253361226990819}],"sentiment":"neutral","sentiment_score":0.19695910195058042,"num_words":110,"start":732.89996,"end":763.38995},{"sentences":[{"text":"What you sort of said there about the way super grows and how it works is absolutely correct.","start":763.44995,"end":768.705,"sentiment":"neutral","sentiment_score":0.21389716615279517},{"text":"Like, if you think about someone with receiving a 5% return and their balance is super 50,000, they're essentially making $2,500, whereas someone with that same 5% return on a $500,000 balance is about 25,000.","start":768.705,"end":784.01,"sentiment":"neutral","sentiment_score":0.06990362347236702},{"text":"So the idea is we start off with a lower balance.","start":784.01,"end":787.13,"sentiment":"neutral","sentiment_score":0.10560887577858838},{"text":"We'll have it out to get our super up to about 200,000.","start":787.13,"end":790.57,"sentiment":"neutral","sentiment_score":0.14843480102717876},{"text":"And then once you get over that 200 to $2.50 mark, you sort of start to see the compounding effect much greater, and your suit balance tends to start working a bit a bit better from there.","start":790.57,"end":801.73505,"sentiment":"neutral","sentiment_score":0.15995994391473564}],"sentiment":"neutral","sentiment_score":0.13414344232760173,"num_words":113,"start":763.44995,"end":801.73505},{"sentences":[{"text":"So you are absolutely correct in the way that works.","start":801.73505,"end":805.03503,"sentiment":"positive","sentiment_score":0.5744582742452622},{"text":"It just feels like we work forever to get our suit balance up that high, so I understand that.","start":805.655,"end":810.79504,"sentiment":"neutral","sentiment_score":0.2061801268474052},{"text":"But now look.","start":814.47003,"end":815.11,"sentiment":"neutral","sentiment_score":0.022086627781391144},{"text":"Let's go through your paper because this year has been a little bit volatile, and I'm very upfront and honest with you.","start":815.11,"end":820.65,"sentiment":"neutral","sentiment_score":0.02870765362273563},{"text":"We've had some great returns, and the last year has had much of a lower rate of return.","start":820.79,"end":825.625,"sentiment":"neutral","sentiment_score":0.1855938517385059}],"sentiment":"neutral","sentiment_score":0.19028503815126088,"num_words":72,"start":801.73505,"end":825.625},{"sentences":[{"text":"So I have kind of wanted to go back and have a little bit of a look at the super, maybe update your portfolio to make sure that things are working a bit harder for you for the next couple of months.","start":826.005,"end":836.185,"sentiment":"neutral","sentiment_score":0.022058222265470596},{"text":"In that email, there's a document in there.","start":836.61,"end":839.41,"sentiment":"neutral","sentiment_score":0.018892253516241908},{"text":"It should say asset performance detail or portfolio report.","start":839.41,"end":844.29,"sentiment":"neutral","sentiment_score":0.02177022521694501},{"text":"Can you see that attachment there at all?","start":844.29,"end":846.55,"sentiment":"neutral","sentiment_score":0.01063755271025002},{"text":"Oh, sorry.","start":849.545,"end":850.765,"sentiment":"neutral","sentiment_score":-0.006772544700652361}],"sentiment":"neutral","sentiment_score":0.01949377858714349,"num_words":69,"start":826.005,"end":850.765},{"sentences":[{"text":"That's the one.","start":859.305,"end":860.185,"sentiment":"neutral","sentiment_score":0.04871276766061783},{"text":"Yeah.","start":860.185,"end":860.58496,"sentiment":"neutral","sentiment_score":0.12939628958702087},{"text":"Perfect.","start":860.58496,"end":861.08496,"sentiment":"neutral","sentiment_score":0.2707163691520691},{"text":"Yep.","start":870.0,"end":870.48,"sentiment":"neutral","sentiment_score":0.004540673457086086},{"text":"That's okay.","start":870.48,"end":871.3,"sentiment":"neutral","sentiment_score":-0.11276485025882721}],"sentiment":"neutral","sentiment_score":0.04065774183254689,"num_words":8,"start":859.305,"end":871.3},{"sentences":[{"text":"No.","start":872.24,"end":872.48,"sentiment":"neutral","sentiment_score":-0.05408277362585068},{"text":"That's understandable.","start":872.48,"end":873.3,"sentiment":"neutral","sentiment_score":0.05118034407496452},{"text":"Beautiful.","start":874.0,"end":874.5,"sentiment":"positive","sentiment_score":0.3583221435546875},{"text":"Now the front page here basically goes through for the last twelve months and essentially looks at all the individual investments that you do have within your portfolio currently.","start":875.015,"end":883.115,"sentiment":"neutral","sentiment_score":0.07800100474008198},{"text":"This is based on the what sort of happens from July to July because that's on these documents to prepare that.","start":883.735,"end":889.975,"sentiment":"neutral","sentiment_score":0.03260814460615317}],"sentiment":"neutral","sentiment_score":0.06210000430130296,"num_words":54,"start":872.24,"end":889.975},{"sentences":[{"text":"But there's not a great deal of change.","start":889.975,"end":892.17,"sentiment":"neutral","sentiment_score":-0.20749856997281313},{"text":"We have seen a little bit more since then.","start":892.17,"end":894.17,"sentiment":"neutral","sentiment_score":0.209792354868518},{"text":"So in the last probably month, we've seen about a few a two to 3% increase in the market and in your portfolio, which has been really good to see.","start":894.17,"end":903.07,"sentiment":"positive","sentiment_score":0.43714435944954555},{"text":"But, realistically, one of the things we had better with the volatility and everything that's been going on this year is that markets have been a bit up and down, and it's definitely had a bit of an effect on everyone in their portfolios there.","start":903.875,"end":915.335,"sentiment":"neutral","sentiment_score":-0.23733487675587336},{"text":"The other thing that really affected your portfolio this year was the Bennelong Estate equities investment that you've got there or did have.","start":915.6,"end":923.76,"sentiment":"neutral","sentiment_score":-0.2256003333174664}],"sentiment":"neutral","sentiment_score":-0.0219687278503957,"num_words":115,"start":889.975,"end":923.76},{"sentences":[{"text":"We've actually removed that from your portfolio.","start":923.76,"end":925.86,"sentiment":"neutral","sentiment_score":-0.25585890880652834},{"text":"So earlier this year, we had sort of notice that that was underperforming significantly.","start":926.07996,"end":930.5,"sentiment":"neutral","sentiment_score":-0.32844677035297665},{"text":"To kinda give you a run through on that along, that is an actively managed fund.","start":931.085,"end":935.725,"sentiment":"neutral","sentiment_score":-0.07286738161928952},{"text":"So the investment manager within the fund there is supposed to be trying to pick and find the market, choose investments, and choose when to buy into those investments.","start":935.725,"end":944.385,"sentiment":"neutral","sentiment_score":0.02450340844947716},{"text":"And they must be trying to outperform against the market, essentially.","start":945.64996,"end":948.55,"sentiment":"neutral","sentiment_score":-0.03890429606491869}],"sentiment":"neutral","sentiment_score":-0.09444796966461393,"num_words":77,"start":923.76,"end":948.55},{"sentences":[{"text":"They haven't been able to do that.","start":948.93,"end":950.37,"sentiment":"neutral","sentiment_score":-0.2960506337029593},{"text":"They've had some underlying issues within the investment.","start":950.37,"end":953.02997,"sentiment":"neutral","sentiment_score":-0.21422231569886208},{"text":"So we flagged this in March that that was an issue, and we had sent through a record of advice and email to you back then to let you know that we were pulling that out of your portfolio.","start":953.56995,"end":962.575,"sentiment":"neutral","sentiment_score":-0.07563314214348793},{"text":"Did you remember receiving that email at all in March?","start":963.115,"end":966.335,"sentiment":"neutral","sentiment_score":-0.012232940085232258},{"text":"That's okay.","start":969.59503,"end":970.235,"sentiment":"neutral","sentiment_score":0.15164975076913834}],"sentiment":"neutral","sentiment_score":-0.09931599097608616,"num_words":66,"start":948.93,"end":970.235},{"sentences":[{"text":"It is a few months ago now.","start":970.235,"end":971.935,"sentiment":"neutral","sentiment_score":0.18057030865124293},{"text":"It's all good.","start":972.315,"end":973.455,"sentiment":"positive","sentiment_score":0.4037042756875356},{"text":"Yes.","start":974.01,"end":974.41003,"sentiment":"neutral","sentiment_score":0.13594627380371094},{"text":"Now our investment committee had flagged.","start":974.41003,"end":976.25,"sentiment":"neutral","sentiment_score":-0.07437395801146825},{"text":"That investment was underperforming.","start":976.25,"end":977.79004,"sentiment":"negative","sentiment_score":-0.36253004521131516}],"sentiment":"neutral","sentiment_score":0.03403273011956896,"num_words":21,"start":970.235,"end":977.79004},{"sentences":[{"text":"We wanted to remove that quickly, so we did send a record of advice out to everyone to try and remove that from the investment portfolios ASAP.","start":978.09,"end":986.35004,"sentiment":"neutral","sentiment_score":-0.10970936688008132},{"text":"It did, unfortunately, mean that there was some losses received.","start":987.165,"end":990.845,"sentiment":"neutral","sentiment_score":-0.26181540489196775},{"text":"We had to cement those, but we've put you into the investment below that, which is the beta shares a 200.","start":990.845,"end":997.02496,"sentiment":"neutral","sentiment_score":0.01440815201827458},{"text":"That investment is actually giving you broader diversification.","start":997.805,"end":1000.94,"sentiment":"neutral","sentiment_score":0.25941951386630535},{"text":"So instead of having 15 or 25 different companies within the Benelon Fund, you now have exposed the top 200 companies on the ASX.","start":1001.08,"end":1010.22003,"sentiment":"neutral","sentiment_score":0.2705006841570139}],"sentiment":"neutral","sentiment_score":0.03655151964889632,"num_words":90,"start":978.09,"end":1010.22003},{"sentences":[{"text":"So it is giving you a lot more diversification, which is helping to lower your risk profile.","start":1010.36,"end":1015.26,"sentiment":"positive","sentiment_score":0.3812839174095322},{"text":"It is more of a passively managed fund, so it is also cheaper, which means more money stays invested in your super for you.","start":1015.455,"end":1021.875,"sentiment":"positive","sentiment_score":0.3836164011930426},{"text":"But it has sort of meant that the market, with the ups and downs and also Venlo having a bit of an effect there, that your portfolio hasn't returned what we sort of have liked it to return for this year.","start":1022.175,"end":1032.66,"sentiment":"neutral","sentiment_score":-0.3253286213773053},{"text":"Since moving the a 200 in there, it has grown by about 2.92%.","start":1033.12,"end":1038.7201,"sentiment":"positive","sentiment_score":0.3608405658831963},{"text":"So it is good.","start":1038.7201,"end":1039.6,"sentiment":"positive","sentiment_score":0.660698413848877}],"sentiment":"neutral","sentiment_score":0.09781684606063246,"num_words":99,"start":1010.36,"end":1039.6},{"sentences":[{"text":"We have seen recovery back from that, but there is still a little bit of a recovery period to have from the Better Long investment being down.","start":1039.6,"end":1047.065,"sentiment":"neutral","sentiment_score":-0.11903792122999828},{"text":"So I'm just letting you know, open and honest, that the markets haven't performed the way we want them to.","start":1047.065,"end":1052.745,"sentiment":"neutral","sentiment_score":-0.022841211594641208},{"text":"Your performance is definitely lower than where we would like it to be this year, but I wanna go back and just review your investments because you are in an older portfolio.","start":1052.745,"end":1061.6901,"sentiment":"neutral","sentiment_score":-0.2912604222074151},{"text":"These investments haven't really been restructured or looked at in the past few years, and it is time to maybe update the portfolio to make sure that your your super is working a little bit harder for you.","start":1061.91,"end":1073.215,"sentiment":"neutral","sentiment_score":-0.07364347675128986},{"text":"Do you have any questions, and are you comfortable with me doing that?","start":1073.275,"end":1076.655,"sentiment":"neutral","sentiment_score":0.026256906155210275}],"sentiment":"neutral","sentiment_score":-0.11883303040208724,"num_words":130,"start":1039.6,"end":1076.655},{"sentences":[{"text":"Yep.","start":1105.3451,"end":1105.8451,"sentiment":"neutral","sentiment_score":0.21856294572353363},{"text":"Yeah.","start":1117.5599,"end":1118.0599,"sentiment":"neutral","sentiment_score":0.07746993750333786},{"text":"Yeah.","start":1125.515,"end":1126.015,"sentiment":"neutral","sentiment_score":-0.03018931671977043},{"text":"Yeah.","start":1128.235,"end":1128.735,"sentiment":"neutral","sentiment_score":0.023692212998867035},{"text":"Yeah.","start":1133.515,"end":1133.9149,"sentiment":"neutral","sentiment_score":-0.001880742609500885}],"sentiment":"neutral","sentiment_score":0.05753100737929344,"num_words":5,"start":1105.3451,"end":1133.9149},{"sentences":[{"text":"No.","start":1133.9149,"end":1134.1549,"sentiment":"neutral","sentiment_score":-0.0901869386434555},{"text":"Absolutely.","start":1134.1549,"end":1134.6549,"sentiment":"neutral","sentiment_score":0.02632943168282509},{"text":"That's understandable.","start":1134.875,"end":1135.615,"sentiment":"neutral","sentiment_score":0.033503131940960884},{"text":"So from what I can sort of see here, I'll go back and kinda review your portfolio a little bit.","start":1135.995,"end":1141.8999,"sentiment":"neutral","sentiment_score":0.05397687014192343},{"text":"But I definitely maybe wanted to look at doing a bit of a risk profile questionnaire as well just to sort of see where you are sitting, because you did kinda mention to me that you are more of a conservative sort of person.","start":1141.8999,"end":1153.395,"sentiment":"neutral","sentiment_score":0.12791146092455496}],"sentiment":"neutral","sentiment_score":0.09868809471235555,"num_words":68,"start":1133.9149,"end":1153.395},{"sentences":[{"text":"When I sort of had a look back at your super, it looks like you might be in kind of that growth or high growth space.","start":1153.775,"end":1159.875,"sentiment":"neutral","sentiment_score":0.11167887669916336},{"text":"When we first signed you up on in 2021, I know they recommended more of a high growth portfolio.","start":1160.175,"end":1166.1399,"sentiment":"neutral","sentiment_score":0.17058291874433817},{"text":"And it looks like you've probably maintained most of that kind of high growth sort of asset allocation.","start":1166.84,"end":1172.2999,"sentiment":"neutral","sentiment_score":0.19282111277182898},{"text":"There's nothing wrong with that for your agent stays.","start":1174.525,"end":1177.405,"sentiment":"neutral","sentiment_score":0.2110748224788242},{"text":"That high growth environment, you are taking a bit more risk.","start":1177.405,"end":1180.285,"sentiment":"neutral","sentiment_score":0.016255255449901928}],"sentiment":"neutral","sentiment_score":0.140891415571951,"num_words":83,"start":1153.775,"end":1180.285},{"sentences":[{"text":"You're generally seeing about 90% invested in equity markets with a bit of, you know, commodities like gold and silver, and then still having about 10% defensive there.","start":1180.285,"end":1190.08,"sentiment":"neutral","sentiment_score":0.0897991441722427},{"text":"We do expect the likelihood of a negative year, probably one in every five years for this kind of environment.","start":1190.5399,"end":1196.08,"sentiment":"negative","sentiment_score":-0.4354649052023888},{"text":"And with the risk profile, you're kind of expecting an average rate of return of eight to 10%.","start":1196.22,"end":1201.6799,"sentiment":"neutral","sentiment_score":-0.1079166562606891},{"text":"In saying that, with the kind of volatility that can be seen from this high growth environment, it could be plus or minus extra 14%.","start":1202.115,"end":1209.875,"sentiment":"neutral","sentiment_score":-0.035960313826799394},{"text":"So from that 10%, at a good year, you can have it extra at 14% added on there, like, with the when the markets are doing well, see really good gains.","start":1209.875,"end":1218.77,"sentiment":"neutral","sentiment_score":0.3104562692103847}],"sentiment":"neutral","sentiment_score":0.004817332950283269,"num_words":122,"start":1180.285,"end":1218.77},{"sentences":[{"text":"However, when the years are quite negative from that expected 8%, you can always expect a low of 14% less than that which puts you into the negative.","start":1219.2301,"end":1228.05,"sentiment":"negative","sentiment_score":-0.44924305618873667},{"text":"So, realistically, it's about taking on the level of risk that you're comfortable with.","start":1228.11,"end":1233.5549,"sentiment":"neutral","sentiment_score":-0.10903610821281161},{"text":"But just because you're younger doesn't mean you have to take more risk.","start":1234.335,"end":1237.615,"sentiment":"neutral","sentiment_score":0.12728373075907046},{"text":"There are other things that can be done.","start":1237.615,"end":1239.215,"sentiment":"positive","sentiment_score":0.5213196612894535},{"text":"I can see you're also making additional contributions to Super as well, and that can if you are wanting to be more conservative, adding more money into super can kind of help to mitigate the risk and close the gap a bit because you're investing more regularly and increasing the amount you're contributing.","start":1239.215,"end":1255.75,"sentiment":"positive","sentiment_score":0.5851148861759113}],"sentiment":"neutral","sentiment_score":0.1959571005969212,"num_words":116,"start":1219.2301,"end":1255.75},{"sentences":[{"text":"So that can also have a really good factor there for you.","start":1255.81,"end":1258.7101,"sentiment":"positive","sentiment_score":0.6436192978483936},{"text":"With with that, I just wanted to run through just a couple of questions to kinda gauge where your risk profiling might sort of fit for the moment.","start":1260.985,"end":1268.685,"sentiment":"neutral","sentiment_score":0.01740627928770014},{"text":"Just the first one here is have you ever invested in equity markets in your own name?","start":1269.785,"end":1274.23,"sentiment":"neutral","sentiment_score":0.03706458769738674},{"text":"Do you own any shares or cryptocurrency or anything?","start":1274.23,"end":1277.29,"sentiment":"neutral","sentiment_score":0.015625950776868396},{"text":"No.","start":1283.75,"end":1283.99,"sentiment":"neutral","sentiment_score":-0.116055428981781}],"sentiment":"neutral","sentiment_score":0.13232064944928262,"num_words":67,"start":1255.81,"end":1283.99},{"sentences":[{"text":"That's okay.","start":1283.99,"end":1284.81,"sentiment":"neutral","sentiment_score":0.17579272016882896},{"text":"That's a beautiful thing, isn't it?","start":1285.3049,"end":1287.245,"sentiment":"positive","sentiment_score":0.6478245059649149},{"text":"I've ticked the box to say you've got a bit of time.","start":1289.7849,"end":1291.945,"sentiment":"neutral","sentiment_score":0.00722674288166066},{"text":"You can't actually access it because at the age of 60, so, realistically, you have longer than ten years ahead of you before accessing them.","start":1291.945,"end":1298.6849,"sentiment":"neutral","sentiment_score":-0.10379728272557259},{"text":"The next the next question here is about inflation, and it says inflation means that things are getting more expensive over time, which makes your money worth less.","start":1299.9501,"end":1308.05,"sentiment":"neutral","sentiment_score":-0.14870616540844953}],"sentiment":"neutral","sentiment_score":-0.03333494943655925,"num_words":73,"start":1283.99,"end":1308.05},{"sentences":[{"text":"The question is when you think about your super, are you comfortable taking on a higher level of risk to try and get those greater returns?","start":1308.35,"end":1315.495,"sentiment":"neutral","sentiment_score":-0.1271416928905707},{"text":"Are you comfortable taking on a moderate or medium amount of risk to get those higher returns or average returns?","start":1316.515,"end":1322.135,"sentiment":"neutral","sentiment_score":-0.07806219831109047},{"text":"Or are you not comfortable with risk in the market knowing the returns are lower?","start":1322.515,"end":1326.5349,"sentiment":"neutral","sentiment_score":-0.23753192325433095},{"text":"Where do you sort of sit on that scale?","start":1327.1549,"end":1329.09,"sentiment":"neutral","sentiment_score":-0.10267287327183618},{"text":"And you can go in between if you like.","start":1329.09,"end":1331.27,"sentiment":"neutral","sentiment_score":-0.0081136930319998}],"sentiment":"neutral","sentiment_score":-0.11932893578387514,"num_words":79,"start":1308.35,"end":1331.27},{"sentences":[{"text":"Mhmm.","start":1336.29,"end":1336.79,"sentiment":"neutral","sentiment_score":-0.08322370052337646},{"text":"Mhmm.","start":1353.6749,"end":1354.075,"sentiment":"neutral","sentiment_score":-0.031624238938093185},{"text":"Yeah.","start":1354.075,"end":1354.3949,"sentiment":"neutral","sentiment_score":-0.015078453347086906},{"text":"No.","start":1354.3949,"end":1354.635,"sentiment":"neutral","sentiment_score":-0.0818231999874115},{"text":"That's okay.","start":1354.635,"end":1355.2749,"sentiment":"neutral","sentiment_score":0.007922912598587574}],"sentiment":"neutral","sentiment_score":-0.03265062793313215,"num_words":6,"start":1336.29,"end":1355.2749},{"sentences":[{"text":"That's not a problem at all.","start":1355.2749,"end":1356.8949,"sentiment":"neutral","sentiment_score":0.08762708678841591},{"text":"The next one here is how would you feel if you saw your super fall by 20% due to external market factors in, say, the next one to two years?","start":1357.3301,"end":1364.9501,"sentiment":"neutral","sentiment_score":-0.18194434680044652},{"text":"Do you think you'd be wanting to take advantage of the market dip and put a bit of money into the market?","start":1365.3301,"end":1370.7101,"sentiment":"neutral","sentiment_score":-0.19269769063050096},{"text":"Are you likely to hold and wait and speak to us and see what we suggest to do, or are you feeling a bit concerned about the markets and maybe wanting to sell the investments to cash?","start":1371.005,"end":1380.7051,"sentiment":"neutral","sentiment_score":-0.2641399808832117},{"text":"Yep.","start":1391.36,"end":1391.86,"sentiment":"neutral","sentiment_score":0.2407698631286621}],"sentiment":"neutral","sentiment_score":-0.1948367344448343,"num_words":96,"start":1355.2749,"end":1391.86},{"sentences":[{"text":"Yep.","start":1392.16,"end":1392.66,"sentiment":"neutral","sentiment_score":0.3204350471496582},{"text":"Beautiful.","start":1393.28,"end":1393.78,"sentiment":"positive","sentiment_score":0.7198890447616577},{"text":"Excellent.","start":1394.8,"end":1395.3,"sentiment":"positive","sentiment_score":0.7075294256210327},{"text":"And the last one here is seeing a super full in value, how does that make you feel?","start":1395.6799,"end":1400.5,"sentiment":"positive","sentiment_score":0.46213185290495556},{"text":"Are you feeling optimistic about the investment opportunities ahead?","start":1400.705,"end":1404.085,"sentiment":"neutral","sentiment_score":0.17461035483413273}],"sentiment":"positive","sentiment_score":0.3879240021109581,"num_words":30,"start":1392.16,"end":1404.085},{"sentences":[{"text":"Are you cautious, concerned, or feeling a bit anxious knowing you're looking at the super balance having dropped?","start":1404.225,"end":1409.365,"sentiment":"neutral","sentiment_score":-0.13365529560380512},{"text":"Mhmm.","start":1412.945,"end":1413.42,"sentiment":"neutral","sentiment_score":-0.14591529965400696},{"text":"Mhmm.","start":1424.2201,"end":1424.7201,"sentiment":"neutral","sentiment_score":-0.048818111419677734},{"text":"Yeah.","start":1431.515,"end":1432.015,"sentiment":"neutral","sentiment_score":-0.05345504730939865},{"text":"Yep.","start":1433.5951,"end":1434.0751,"sentiment":"neutral","sentiment_score":0.17095547914505005}],"sentiment":"neutral","sentiment_score":-0.11286492273211479,"num_words":22,"start":1404.225,"end":1434.0751},{"sentences":[{"text":"That's perfect.","start":1434.0751,"end":1435.055,"sentiment":"positive","sentiment_score":0.48814937472343445},{"text":"Excellent.","start":1435.1951,"end":1435.6951,"sentiment":"positive","sentiment_score":0.40611451864242554},{"text":"And the last one here is have you ever thought about borrowing to invest in shares or manage funds, or would you only ever borrow for, say, an investment property or just comfortable having borrowed for your own property that you live in?","start":1436.2351,"end":1449.2301,"sentiment":"neutral","sentiment_score":0.036139720401098564},{"text":"Yep.","start":1454.9701,"end":1455.255,"sentiment":"neutral","sentiment_score":0.1310291290283203},{"text":"Yep.","start":1462.615,"end":1463.115,"sentiment":"neutral","sentiment_score":0.02253180742263794}],"sentiment":"neutral","sentiment_score":0.06437462878723939,"num_words":48,"start":1434.0751,"end":1463.115},{"sentences":[{"text":"Yep.","start":1471.99,"end":1472.49,"sentiment":"neutral","sentiment_score":0.021650513634085655},{"text":"Yeah.","start":1473.51,"end":1473.8301,"sentiment":"neutral","sentiment_score":0.07978688180446625},{"text":"That's absolutely fine.","start":1473.8301,"end":1475.11,"sentiment":"neutral","sentiment_score":0.13408566017945608},{"text":"Not a problem.","start":1475.11,"end":1475.91,"sentiment":"neutral","sentiment_score":0.09425637622674306},{"text":"Well, thank you so much for answering those questions.","start":1475.91,"end":1478.01,"sentiment":"neutral","sentiment_score":0.22724215024047428}],"sentiment":"neutral","sentiment_score":0.1665672268718481,"num_words":17,"start":1471.99,"end":1478.01},{"sentences":[{"text":"Now where you have scored is in that kind of a growth environment there.","start":1478.39,"end":1481.99,"sentiment":"neutral","sentiment_score":0.010818352257566792},{"text":"So, realistically, that sees us drop the risk level from high growth to growth.","start":1481.99,"end":1486.9049,"sentiment":"neutral","sentiment_score":-0.07209074177912303},{"text":"So you have about 80% in those, like, equity market sort of areas that are high risk investments that see greater potential returns, but, you know, also tend to see the volatility as well.","start":1486.9049,"end":1499.02,"sentiment":"neutral","sentiment_score":-0.03552091187414001},{"text":"And then we sort of have that 20% in low risk defensive investments, the cash bonds and fixed interest.","start":1499.56,"end":1505.3401,"sentiment":"neutral","sentiment_score":-0.0294426791369915},{"text":"That growth kinda area is expecting a return of around about seven to 9% compounded.","start":1505.7201,"end":1510.78,"sentiment":"neutral","sentiment_score":-0.05679845164219539}],"sentiment":"neutral","sentiment_score":-0.036217834742274135,"num_words":96,"start":1478.39,"end":1510.78},{"sentences":[{"text":"We still can expect the likely likelihood of a negative 10, kind of one in every five years.","start":1511.595,"end":1516.895,"sentiment":"neutral","sentiment_score":-0.16826337575912476},{"text":"That growth environment suits someone who's not accessing their funds for about six years.","start":1517.755,"end":1522.575,"sentiment":"neutral","sentiment_score":0.17321743017860822},{"text":"And with the expected volatility, we kind of expect a plus or minus around about 11%.","start":1522.7949,"end":1528.0299,"sentiment":"neutral","sentiment_score":0.11119712563231587},{"text":"So from that nine percent in a good year, you could see an extra 11% on top of that.","start":1528.0299,"end":1532.69,"sentiment":"neutral","sentiment_score":0.3263373139657472},{"text":"In a bad year, from the 7% down, we could also see it if of up to 11%, the other side of things.","start":1532.75,"end":1539.1699,"sentiment":"neutral","sentiment_score":-0.16236335751803024}],"sentiment":"neutral","sentiment_score":0.0404612112376425,"num_words":90,"start":1511.595,"end":1539.1699},{"sentences":[{"text":"Do you kinda feel comfortable being in that growth kind of environment, or would you wanna be more high growth?","start":1539.945,"end":1545.7849,"sentiment":"neutral","sentiment_score":0.13661221154034137},{"text":"How do you sort of feel, and where do you think you fit?","start":1545.7849,"end":1548.365,"sentiment":"neutral","sentiment_score":0.13234992669178888},{"text":"Mhmm.","start":1565.02,"end":1565.325,"sentiment":"neutral","sentiment_score":-0.14893852174282074},{"text":"Yeah.","start":1569.085,"end":1569.585,"sentiment":"neutral","sentiment_score":0.14135362207889557},{"text":"Mhmm.","start":1575.485,"end":1575.985,"sentiment":"positive","sentiment_score":0.4282105565071106}],"sentiment":"neutral","sentiment_score":0.13537274818453524,"num_words":36,"start":1539.945,"end":1575.985},{"sentences":[{"text":"Yep.","start":1576.605,"end":1577.105,"sentiment":"neutral","sentiment_score":0.26230737566947937},{"text":"Yep.","start":1578.365,"end":1578.845,"sentiment":"neutral","sentiment_score":0.18316185474395752},{"text":"That's okay.","start":1578.845,"end":1579.6649,"sentiment":"neutral","sentiment_score":0.2565788999199867},{"text":"Looking at where you're sort of talking to me about and I'll go back and double check sort of what your exposure looks like in the market at the moment, whether you are growth or more that high growth because I can see conflicting information in the past of our note fee.","start":1580.05,"end":1592.655,"sentiment":"neutral","sentiment_score":-0.017234114930033684},{"text":"But, essentially, what I'll do with what I'm sort of thinking, you've kind of made mention to me that you do feel a bit more on that conservative side of things.","start":1593.055,"end":1601.295,"sentiment":"neutral","sentiment_score":0.13555400938757003}],"sentiment":"neutral","sentiment_score":0.049018705113865864,"num_words":87,"start":1576.605,"end":1601.295},{"sentences":[{"text":"And, realistically, for your age and stage, being in that growth environment is honestly absolutely fine.","start":1601.295,"end":1607.475,"sentiment":"neutral","sentiment_score":0.2863932168111205},{"text":"Normally, for someone of our age, they're either in that high growth environment or that growth environment.","start":1607.82,"end":1613.0399,"sentiment":"neutral","sentiment_score":0.1026184370412546},{"text":"If you just feel like you want a little bit more not so much safer, but little bit more of that low risk effect, having 20% defensive is absolutely fine.","start":1613.4199,"end":1622.895,"sentiment":"neutral","sentiment_score":0.248759725689888},{"text":"Do you sort of think you'd like to be in that middle kind of area growth environment for a little bit longer?","start":1622.895,"end":1628.355,"sentiment":"neutral","sentiment_score":0.10698727145791054},{"text":"We sort of sit there for the time being.","start":1628.8151,"end":1630.735,"sentiment":"neutral","sentiment_score":0.06401432636711332}],"sentiment":"neutral","sentiment_score":0.17786644232716967,"num_words":94,"start":1601.295,"end":1630.735},{"sentences":[{"text":"Look at your comfort level moving forward, and then if you feel comfortable to induce the increase the risk level, then we can kinda take that leap down the track.","start":1630.735,"end":1639.65,"sentiment":"neutral","sentiment_score":0.26093148936827976},{"text":"Does that feel more comfortable to you?","start":1639.71,"end":1641.47,"sentiment":"neutral","sentiment_score":0.24563392571040563},{"text":"Yep.","start":1641.47,"end":1641.97,"sentiment":"neutral","sentiment_score":0.08270566910505295},{"text":"Yep.","start":1650.83,"end":1651.185,"sentiment":"neutral","sentiment_score":0.09603524208068848},{"text":"Yeah.","start":1662.785,"end":1663.23,"sentiment":"neutral","sentiment_score":0.001937895081937313}],"sentiment":"neutral","sentiment_score":0.2432015241822228,"num_words":40,"start":1630.735,"end":1663.23},{"sentences":[{"text":"Yeah.","start":1665.15,"end":1665.65,"sentiment":"neutral","sentiment_score":-0.04026179760694504},{"text":"Yeah.","start":1668.03,"end":1668.53,"sentiment":"neutral","sentiment_score":0.016079552471637726},{"text":"Yeah.","start":1673.23,"end":1673.73,"sentiment":"neutral","sentiment_score":0.10575716942548752},{"text":"Yeah.","start":1686.445,"end":1686.945,"sentiment":"neutral","sentiment_score":0.11591127514839172},{"text":"Yes.","start":1694.7,"end":1695.2,"sentiment":"neutral","sentiment_score":0.26451319456100464}],"sentiment":"neutral","sentiment_score":0.09239987879991532,"num_words":5,"start":1665.15,"end":1695.2},{"sentences":[{"text":"That's absolutely fine.","start":1695.42,"end":1696.7,"sentiment":"positive","sentiment_score":0.4730290671189626},{"text":"That's not a problem.","start":1696.7,"end":1697.66,"sentiment":"positive","sentiment_score":0.4542144611477852},{"text":"I'll go back and look at your super, do some research around it.","start":1697.66,"end":1701.015,"sentiment":"positive","sentiment_score":0.3814965601150806},{"text":"I can even have a look at the Netwealth Fund and see if maybe there's any benefit to switching to another super fund if you're comfortable with me doing so.","start":1701.495,"end":1709.435,"sentiment":"neutral","sentiment_score":0.2975549757480621},{"text":"I can look at all the options, look at where things are tracking for you, look at, you know, the cost of everything.","start":1709.8151,"end":1714.955,"sentiment":"neutral","sentiment_score":0.18604739917361218}],"sentiment":"neutral","sentiment_score":0.29316629836820574,"num_words":73,"start":1695.42,"end":1714.955},{"sentences":[{"text":"I also do look at the CGT side of it because your super fund, like, you actually pay income and capital gains that.","start":1715.65,"end":1721.49,"sentiment":"neutral","sentiment_score":0.13014871238366418},{"text":"So whenever I am switching investments or switching funds, I look at the consequences, what that looks like for you, how long it takes to kinda make that money back without additional growth, things like that.","start":1721.49,"end":1732.1849,"sentiment":"neutral","sentiment_score":0.11148749353984992},{"text":"So if you're comfortable, I can have a look at everything, see how it's all tracking, and how we can put you in a better position and reassess the super and also the investments to kind of make sure you're in that growth environment, that the things are working as best they can, and see if we can lessen some fees in the fund for you.","start":1732.1849,"end":1749.86,"sentiment":"neutral","sentiment_score":0.2493483494177009},{"text":"How does that sound?","start":1749.86,"end":1751.0,"sentiment":"neutral","sentiment_score":0.14603986404836178},{"text":"Yes.","start":1752.82,"end":1753.32,"sentiment":"positive","sentiment_score":0.3814870715141296}],"sentiment":"neutral","sentiment_score":0.187920059550267,"num_words":130,"start":1715.65,"end":1753.32},{"sentences":[{"text":"Beautiful.","start":1753.46,"end":1753.96,"sentiment":"positive","sentiment_score":0.6359084844589233},{"text":"Excellent.","start":1754.1799,"end":1754.6799,"sentiment":"positive","sentiment_score":0.5614755153656006},{"text":"So, look, as I said, portfolio does need a bit of work.","start":1755.2999,"end":1758.705,"sentiment":"neutral","sentiment_score":0.061244688462466},{"text":"We can do something a little bit better with it.","start":1758.7849,"end":1760.7849,"sentiment":"neutral","sentiment_score":0.2486037790775299},{"text":"So I do wanna sort of go back and review that.","start":1760.7849,"end":1763.2849,"sentiment":"neutral","sentiment_score":0.2363769466226751}],"sentiment":"neutral","sentiment_score":0.2005286989999669,"num_words":35,"start":1753.46,"end":1763.2849},{"sentences":[{"text":"Markets haven't been great, and your portfolio has definitely performed a lot less than what I would like it to do.","start":1763.745,"end":1769.2849,"sentiment":"neutral","sentiment_score":0.004714112728834154},{"text":"But I'm pretty comfortable I can go back and sort of look at a way to boost that for you.","start":1769.505,"end":1773.51,"sentiment":"positive","sentiment_score":0.6169870436191559},{"text":"Do you have any questions currently on any of that at the moment?","start":1773.67,"end":1776.95,"sentiment":"neutral","sentiment_score":0.10803253776752032},{"text":"I know I touch on a lot, and I'm so sorry.","start":1776.95,"end":1779.05,"sentiment":"neutral","sentiment_score":-0.023920780555768448},{"text":"Yeah.","start":1781.51,"end":1782.01,"sentiment":"neutral","sentiment_score":0.05990103632211685}],"sentiment":"neutral","sentiment_score":0.2066656466799252,"num_words":66,"start":1763.745,"end":1782.01},{"sentences":[{"text":"Yep.","start":1784.55,"end":1785.05,"sentiment":"neutral","sentiment_score":0.0706728994846344},{"text":"Absolutely.","start":1791.0951,"end":1791.5951,"sentiment":"neutral","sentiment_score":0.06215725094079971},{"text":"Yeah.","start":1792.055,"end":1792.555,"sentiment":"neutral","sentiment_score":0.11280424892902374},{"text":"Yeah.","start":1793.175,"end":1793.675,"sentiment":"neutral","sentiment_score":0.2104085683822632},{"text":"Absolutely.","start":1796.535,"end":1797.035,"sentiment":"positive","sentiment_score":0.38307985663414}],"sentiment":"neutral","sentiment_score":0.16782456487417222,"num_words":5,"start":1784.55,"end":1797.035},{"sentences":[{"text":"I do make it a habit of, like, checking things on a regular basis, going into the accounts of all my clients, having a look to see what's happening, where things are tracking, and, you know, giving you a buzz.","start":1797.495,"end":1807.17,"sentiment":"positive","sentiment_score":0.34659506306052207},{"text":"I also do wanna kinda down the track.","start":1807.17,"end":1809.09,"sentiment":"neutral","sentiment_score":0.3060684986412525},{"text":"I'm starting to kind of make sure everyone gets these catch ups on a regular basis.","start":1809.09,"end":1812.9299,"sentiment":"neutral","sentiment_score":0.3173557911068201},{"text":"So making sure to do about a six month catch up with you at the very least just to make sure that we can if anything needs to kind of be updated, that we can look to do that.","start":1812.9299,"end":1823.115,"sentiment":"neutral","sentiment_score":0.2759575144602702},{"text":"It also means that if at any point you wanna flag the insurance aspect or look at any other advice, you've got me calling you to kinda catch up in those points of view.","start":1823.415,"end":1831.975,"sentiment":"neutral","sentiment_score":0.2187030052437502}],"sentiment":"neutral","sentiment_score":0.2889656088430516,"num_words":137,"start":1797.495,"end":1831.975},{"sentences":[{"text":"So are you happy with maybe a six month catch up moving forward as well just to, you know, make sure we're staying on top of everything?","start":1831.975,"end":1838.85,"sentiment":"positive","sentiment_score":0.4193528780230769},{"text":"Yeah?","start":1841.07,"end":1841.57,"sentiment":"neutral","sentiment_score":0.10253111273050308},{"text":"That's okay.","start":1847.175,"end":1849.435,"sentiment":"neutral","sentiment_score":-0.016906484961509705},{"text":"Yeah.","start":1850.6951,"end":1851.1951,"sentiment":"neutral","sentiment_score":0.050914715975522995},{"text":"Yep.","start":1854.375,"end":1854.875,"sentiment":"neutral","sentiment_score":0.06058080121874809}],"sentiment":"positive","sentiment_score":0.359460667707026,"num_words":32,"start":1831.975,"end":1854.875},{"sentences":[{"text":"Yep.","start":1856.6951,"end":1857.0951,"sentiment":"neutral","sentiment_score":0.183783158659935},{"text":"Beautiful.","start":1857.0951,"end":1857.5951,"sentiment":"neutral","sentiment_score":0.03778266906738281},{"text":"I can always make it that if, you know, you're having a bit of trouble if we're having trouble getting a hold of you, it's kind of around that catch up time, I can just shoot you an email with an update of the before performance, talk about what's kinda going on and happening, and then allow you to come back and let me know when you wanna sort of talk, when it suits you just in case it is kind of a busy period and you're not really available at those times at those times.","start":1857.7351,"end":1880.445,"sentiment":"neutral","sentiment_score":0.07310634727279346},{"text":"Is that okay with you?","start":1880.445,"end":1881.905,"sentiment":"neutral","sentiment_score":0.05331043265759945},{"text":"Yep.","start":1883.405,"end":1883.725,"sentiment":"neutral","sentiment_score":0.250291109085083}],"sentiment":"neutral","sentiment_score":0.07458286959892856,"num_words":104,"start":1856.6951,"end":1883.725},{"sentences":[{"text":"Beautiful.","start":1883.725,"end":1884.225,"sentiment":"positive","sentiment_score":0.63776695728302},{"text":"Just so we're making sure to touch base, but also not harassing you in any way when you're actually unavailable and probably not not really able to talk.","start":1884.2849,"end":1892.55,"sentiment":"neutral","sentiment_score":0.09986889096243041},{"text":"So that's easy then.","start":1892.63,"end":1893.8301,"sentiment":"neutral","sentiment_score":0.15489835292100906},{"text":"Perfect.","start":1893.8301,"end":1894.3301,"sentiment":"positive","sentiment_score":0.5958260297775269},{"text":"Excellent.","start":1895.51,"end":1896.01,"sentiment":"positive","sentiment_score":0.5595281720161438}],"sentiment":"neutral","sentiment_score":0.1488298147916794,"num_words":35,"start":1883.725,"end":1896.01},{"sentences":[{"text":"The other thing, just to kinda go through an update there for you.","start":1897.03,"end":1900.49,"sentiment":"neutral","sentiment_score":0.20069930072014147},{"text":"Now the other thing, sorry, your income.","start":1900.55,"end":1902.15,"sentiment":"neutral","sentiment_score":0.008615032104509217},{"text":"So when I am updating your advice, I do need to kinda factor in the contribution side of things for you.","start":1902.15,"end":1907.2101,"sentiment":"neutral","sentiment_score":0.06202457259808268},{"text":"I know you kinda mentioned your income's a little bit higher.","start":1907.425,"end":1910.085,"sentiment":"neutral","sentiment_score":0.005610160021619363},{"text":"What is your do you know what your take home pay looks like on a weekly or fortnightly basis?","start":1910.865,"end":1915.345,"sentiment":"neutral","sentiment_score":0.02758923496462797}],"sentiment":"neutral","sentiment_score":0.06419463920026598,"num_words":71,"start":1897.03,"end":1915.345},{"sentences":[{"text":"Because I can always use that to go back and do the math for you.","start":1915.345,"end":1918.485,"sentiment":"neutral","sentiment_score":0.1125242774685224},{"text":"Yeah.","start":1921.35,"end":1921.59,"sentiment":"neutral","sentiment_score":0.06123914942145347},{"text":"You're right.","start":1921.59,"end":1925.85,"sentiment":"neutral","sentiment_score":0.06646351516246796},{"text":"Yeah.","start":1928.39,"end":1928.71,"sentiment":"neutral","sentiment_score":0.008285041898488998},{"text":"You're right.","start":1928.71,"end":1929.53,"sentiment":"neutral","sentiment_score":0.008023221511393785}],"sentiment":"neutral","sentiment_score":0.0907791346045477,"num_words":21,"start":1915.345,"end":1929.53},{"sentences":[{"text":"Not a problem.","start":1930.87,"end":1931.77,"sentiment":"neutral","sentiment_score":0.06065493325392405},{"text":"Perfect.","start":1945.555,"end":1946.055,"sentiment":"positive","sentiment_score":0.4137068390846253},{"text":"So it's Fortnight.","start":1947.875,"end":1948.6951,"sentiment":"neutral","sentiment_score":0.2492943008740743},{"text":"Excellent.","start":1948.915,"end":1949.415,"sentiment":"positive","sentiment_score":0.6325110197067261},{"text":"Thank you for that.","start":1949.7151,"end":1950.935,"sentiment":"positive","sentiment_score":0.7121933102607727}],"sentiment":"positive","sentiment_score":0.40206990018486977,"num_words":12,"start":1930.87,"end":1950.935},{"sentences":[{"text":"And I can see that you're also making some additional contributions, some non concessional contributions into Super there, which is fantastic.","start":1951.5599,"end":1958.7,"sentiment":"positive","sentiment_score":0.4970845565909431},{"text":"It looks like at the moment, it's around about a $103 on a fortnightly basis.","start":1958.84,"end":1963.64,"sentiment":"neutral","sentiment_score":0.17919560472170512},{"text":"Does that sound about right?","start":1963.64,"end":1965.135,"sentiment":"neutral","sentiment_score":0.13800467699766159},{"text":"Yes.","start":1966.895,"end":1967.135,"sentiment":"neutral","sentiment_score":0.30394530296325684},{"text":"Beautiful.","start":1967.135,"end":1967.535,"sentiment":"positive","sentiment_score":0.6662495136260986}],"sentiment":"positive","sentiment_score":0.3438820456003034,"num_words":43,"start":1951.5599,"end":1967.535},{"sentences":[{"text":"And you're happy continuing that moving forward?","start":1967.535,"end":1969.6951,"sentiment":"positive","sentiment_score":0.5881248489022255},{"text":"Did you wanna kind of reevaluate those and or increase or alter those if it works out to your benefit to do so, or are you happy just to set them out because the the expenses are quite high?","start":1969.6951,"end":1979.58,"sentiment":"neutral","sentiment_score":0.011864047831831833},{"text":"Yep.","start":1989.0199,"end":1989.5199,"sentiment":"neutral","sentiment_score":0.18972861766815183},{"text":"Yep.","start":1989.58,"end":1990.08,"sentiment":"positive","sentiment_score":0.3509778678417206},{"text":"Beautiful.","start":1990.14,"end":1990.64,"sentiment":"positive","sentiment_score":0.8079507350921631}],"sentiment":"neutral","sentiment_score":0.12098426588487868,"num_words":49,"start":1967.535,"end":1990.64},{"sentences":[{"text":"Beautiful.","start":1990.86,"end":1991.36,"sentiment":"positive","sentiment_score":0.7800878286361694},{"text":"And then we with the non concessional contributions, so there are like, with the way you're doing it, it is really good because the money going in from your after tax income has been a 100% invested.","start":1991.925,"end":2003.2251,"sentiment":"positive","sentiment_score":0.565600051267727},{"text":"So unlike your employer contributions, which sees 15% tax deducted out of it, that money is kind of providing a greater boost to you.","start":2003.285,"end":2011.96,"sentiment":"positive","sentiment_score":0.5259335258354744},{"text":"Have you ever thought about claiming a notice of intent against those to sort of take them back to the tax deduction, or do you feel like the non concessional side of things is good, or did you want me to look at the best way to structure those to to provide you with a greater benefit?","start":2012.5,"end":2027.5951,"sentiment":"neutral","sentiment_score":0.14236126572155117},{"text":"What's your thoughts there with those additional contributions?","start":2027.5951,"end":2030.175,"sentiment":"neutral","sentiment_score":0.02583855576813221}],"sentiment":"positive","sentiment_score":0.3358346058099758,"num_words":127,"start":1990.86,"end":2030.175},{"sentences":[{"text":"Mhmm.","start":2041.99,"end":2042.39,"sentiment":"neutral","sentiment_score":0.017375394701957703},{"text":"That's okay.","start":2042.39,"end":2043.165,"sentiment":"neutral","sentiment_score":0.08482315391302109},{"text":"Did you wanna keep them as Yeah.","start":2045.0851,"end":2047.405,"sentiment":"neutral","sentiment_score":0.10892163270286151},{"text":"You're right.","start":2047.405,"end":2047.7251,"sentiment":"neutral","sentiment_score":0.021732033230364323},{"text":"I'm sorry.","start":2047.7251,"end":2048.385,"sentiment":"neutral","sentiment_score":-0.06386874988675117}],"sentiment":"neutral","sentiment_score":0.06179997843823263,"num_words":14,"start":2041.99,"end":2048.385},{"sentences":[{"text":"Yes.","start":2049.565,"end":2050.065,"sentiment":"neutral","sentiment_score":0.0630260482430458},{"text":"Absolutely.","start":2060.18,"end":2060.68,"sentiment":"neutral","sentiment_score":0.3040781021118164},{"text":"As part of the advice of factoring those nonconcessional contributions at the current rate they are, I'll look at the benefit they're providing, look at other structures to see how it works for you, if there's a benefit in altering them, And I can make the recommendation to retain them as they are or to alter them if they need be.","start":2060.82,"end":2077.645,"sentiment":"neutral","sentiment_score":0.1910437851167116},{"text":"I'll keep them at the exact same amount that you're putting in there regularly, though, so as not to alter your expenditure.","start":2077.645,"end":2083.425,"sentiment":"neutral","sentiment_score":0.2106532962484793},{"text":"But I I can have a look at all of that as part of what I do, which is fantastic, and I'll come back and include that in the advice document for you.","start":2084.205,"end":2091.49,"sentiment":"positive","sentiment_score":0.48409112204204907}],"sentiment":"neutral","sentiment_score":0.2765267337909189,"num_words":118,"start":2049.565,"end":2091.49},{"sentences":[{"text":"Does that sound okay?","start":2091.49,"end":2092.63,"sentiment":"neutral","sentiment_score":0.24684587866067886},{"text":"Yep.","start":2093.57,"end":2094.07,"sentiment":"positive","sentiment_score":0.3635147213935852},{"text":"Fantastic.","start":2094.93,"end":2095.43,"sentiment":"positive","sentiment_score":0.6770497560501099},{"text":"Excellent.","start":2095.73,"end":2096.23,"sentiment":"positive","sentiment_score":0.5536687970161438},{"text":"Just running through the other assets I do have here as well.","start":2097.33,"end":2100.61,"sentiment":"neutral","sentiment_score":0.19677380348245302}],"sentiment":"neutral","sentiment_score":0.2601527595206311,"num_words":19,"start":2091.49,"end":2100.61},{"sentences":[{"text":"So I've got two cars noted down.","start":2100.61,"end":2102.79,"sentiment":"neutral","sentiment_score":0.033212513263736455},{"text":"I have a combined value on those vehicles of about 35,000.","start":2103.245,"end":2107.325,"sentiment":"neutral","sentiment_score":0.02782240188257261},{"text":"Would you still keep them about the same, or would you alter those valuations?","start":2107.325,"end":2110.945,"sentiment":"neutral","sentiment_score":0.002979767353411132},{"text":"Yes.","start":2117.085,"end":2117.43,"sentiment":"neutral","sentiment_score":0.012918503023684025},{"text":"Yes.","start":2131.27,"end":2131.77,"sentiment":"neutral","sentiment_score":-0.02083500474691391}],"sentiment":"neutral","sentiment_score":0.016833360434675877,"num_words":34,"start":2100.61,"end":2131.77},{"sentences":[{"text":"Perfect.","start":2134.645,"end":2135.145,"sentiment":"neutral","sentiment_score":0.04241082817316055},{"text":"Yes.","start":2137.365,"end":2137.685,"sentiment":"neutral","sentiment_score":0.05758392810821533},{"text":"That's okay.","start":2137.685,"end":2138.2449,"sentiment":"neutral","sentiment_score":0.09691394120454788},{"text":"That's not a problem at all.","start":2138.2449,"end":2139.865,"sentiment":"neutral","sentiment_score":0.20811800410350165},{"text":"We also had noted you had some savings in the account, about 14,000 in savings.","start":2140.005,"end":2144.565,"sentiment":"neutral","sentiment_score":0.05604246035218239}],"sentiment":"neutral","sentiment_score":0.0953267027437687,"num_words":25,"start":2134.645,"end":2144.565},{"sentences":[{"text":"Do you still have those savings, or is that changed?","start":2144.565,"end":2147.545,"sentiment":"neutral","sentiment_score":0.012119330279529095},{"text":"Yes.","start":2160.24,"end":2160.74,"sentiment":"neutral","sentiment_score":0.05165308713912964},{"text":"Mhmm.","start":2169.425,"end":2169.585,"sentiment":"neutral","sentiment_score":0.0003545968793332577},{"text":"To be used for the renovation.","start":2169.585,"end":2171.045,"sentiment":"neutral","sentiment_score":-0.013347198255360126},{"text":"Yep.","start":2171.505,"end":2172.005,"sentiment":"neutral","sentiment_score":0.022376053035259247}],"sentiment":"neutral","sentiment_score":0.006078623700886965,"num_words":19,"start":2144.565,"end":2172.005},{"sentences":[{"text":"Yeah.","start":2184.0598,"end":2184.5598,"sentiment":"neutral","sentiment_score":0.18866240978240967},{"text":"Perfect.","start":2186.0598,"end":2186.5598,"sentiment":"neutral","sentiment_score":0.2937176823616028},{"text":"Not a problem at all.","start":2187.0999,"end":2188.5598,"sentiment":"neutral","sentiment_score":0.1854858309030533},{"text":"And is there any other assets or liabilities that we should probably note down as part of the fact signed at all?","start":2188.925,"end":2194.865,"sentiment":"neutral","sentiment_score":0.05613820593465458},{"text":"Nope.","start":2203.26,"end":2203.5,"sentiment":"neutral","sentiment_score":0.0020292624831199646}],"sentiment":"neutral","sentiment_score":0.08822930132349333,"num_words":30,"start":2184.0598,"end":2203.5},{"sentences":[{"text":"That's okay.","start":2203.5,"end":2204.32,"sentiment":"neutral","sentiment_score":0.08188356831669807},{"text":"Perfect.","start":2205.02,"end":2205.52,"sentiment":"positive","sentiment_score":0.4052053093910218},{"text":"Beautiful.","start":2207.1,"end":2207.6,"sentiment":"positive","sentiment_score":0.4868863821029663},{"text":"Excellent.","start":2207.9001,"end":2208.4001,"sentiment":"positive","sentiment_score":0.5426852703094482},{"text":"That's beautiful.","start":2208.9402,"end":2209.9001,"sentiment":"positive","sentiment_score":0.5697695016860962}],"sentiment":"positive","sentiment_score":0.3911547288298607,"num_words":7,"start":2203.5,"end":2209.9001},{"sentences":[{"text":"Thank you for that.","start":2209.9001,"end":2211.04,"sentiment":"positive","sentiment_score":0.6187125593423843},{"text":"The other thing to sort of talk about is the estate planning aspect.","start":2211.26,"end":2214.06,"sentiment":"neutral","sentiment_score":0.08216504523387322},{"text":"So I just had a quick look at your statement.","start":2214.06,"end":2215.54,"sentiment":"neutral","sentiment_score":0.05686244182288647},{"text":"I can see you've not got any beneficiary nominations on file.","start":2215.54,"end":2219.215,"sentiment":"neutral","sentiment_score":-0.08984146978367459},{"text":"So I do wanna make sure that that is updated because at the moment, we're not having a beneficiary on your super fund.","start":2219.215,"end":2225.555,"sentiment":"neutral","sentiment_score":-0.07915861264843008}],"sentiment":"neutral","sentiment_score":0.02135599975581052,"num_words":61,"start":2209.9001,"end":2225.555},{"sentences":[{"text":"If you were to pass away, that money has to go through a bit of a probate process.","start":2225.935,"end":2229.955,"sentiment":"neutral","sentiment_score":-0.13282565689749187},{"text":"Now just confirming, I don't like to make assumptions, but where would you realistically want your money to be paid to if you were to pass away?","start":2231.06,"end":2240.04,"sentiment":"neutral","sentiment_score":-0.09349881636875647},{"text":"Perfect.","start":2242.5,"end":2242.9,"sentiment":"positive","sentiment_score":0.4292493462562561},{"text":"And that's Michelle?","start":2242.9,"end":2243.88,"sentiment":"neutral","sentiment_score":0.18776990473270416},{"text":"Yeah.","start":2245.855,"end":2246.335,"sentiment":"neutral","sentiment_score":0.27444684505462646}],"sentiment":"neutral","sentiment_score":-0.07296647921204567,"num_words":50,"start":2225.935,"end":2246.335},{"sentences":[{"text":"Beautiful.","start":2246.335,"end":2246.835,"sentiment":"positive","sentiment_score":0.6024432182312012},{"text":"Beautiful.","start":2246.8948,"end":2247.3948,"sentiment":"positive","sentiment_score":0.6158782243728638},{"text":"I will, as part of the the advice, update the beneficiary aspect before you make a recommendation.","start":2248.255,"end":2253.315,"sentiment":"neutral","sentiment_score":0.28261246225413156},{"text":"But it is really important we do have those beneficiaries on file because, essentially, if you would have passed away today, having its own little probate process, it means that people can come forward and stake a claim on your super.","start":2254.095,"end":2265.81,"sentiment":"neutral","sentiment_score":0.1923030740240725},{"text":"Obviously, there's no guarantees they're gonna get any of it, and, you know, it can just make life a little harder for Michelle in the event that she was trying to claim against this super there.","start":2266.5898,"end":2276.035,"sentiment":"neutral","sentiment_score":0.039475165928403534}],"sentiment":"neutral","sentiment_score":0.15966943030556044,"num_words":96,"start":2246.335,"end":2276.035},{"sentences":[{"text":"So having those beneficiaries in place just makes it so much easier and more streamlined in the event that she ever did have to claim.","start":2276.035,"end":2282.9348,"sentiment":"positive","sentiment_score":0.38125457882881164},{"text":"Okay.","start":2282.9949,"end":2283.4949,"sentiment":"neutral","sentiment_score":0.21357223391532895},{"text":"Excellent.","start":2285.555,"end":2286.055,"sentiment":"positive","sentiment_score":0.5866208076477051},{"text":"Beneficiary?","start":2289.29,"end":2289.79,"sentiment":"neutral","sentiment_score":0.18383383750915527},{"text":"Yeah.","start":2290.09,"end":2290.4102,"sentiment":"neutral","sentiment_score":0.32226672768592834}],"sentiment":"positive","sentiment_score":0.37371234749925547,"num_words":29,"start":2276.035,"end":2290.4102},{"sentences":[{"text":"Beautiful.","start":2290.4102,"end":2290.9102,"sentiment":"positive","sentiment_score":0.6291402578353882},{"text":"I can even get my team, if you're comfortable with us to do so, pre fill the documents for you with the information and send it out to you.","start":2291.21,"end":2297.77,"sentiment":"positive","sentiment_score":0.5024895246686607},{"text":"That way, you just have to sign and get a witness, and it's all kind of prefilled, make it a little bit easier on you.","start":2297.77,"end":2304.895,"sentiment":"positive","sentiment_score":0.47877131462097167},{"text":"Yep.","start":2308.7952,"end":2309.2952,"sentiment":"neutral","sentiment_score":-0.06572806090116501},{"text":"Don't worry.","start":2314.155,"end":2314.895,"sentiment":"neutral","sentiment_score":-0.0651741698384285}],"sentiment":"positive","sentiment_score":0.46507832652022096,"num_words":58,"start":2290.4102,"end":2314.895},{"sentences":[{"text":"That's okay.","start":2317.6,"end":2318.5,"sentiment":"neutral","sentiment_score":-0.055633703246712685},{"text":"Yeah.","start":2320.32,"end":2320.64,"sentiment":"neutral","sentiment_score":0.04632779210805893},{"text":"That's okay.","start":2320.64,"end":2321.28,"sentiment":"neutral","sentiment_score":0.08802255615592003},{"text":"No worries.","start":2321.28,"end":2321.92,"sentiment":"neutral","sentiment_score":0.14630059897899628},{"text":"I'll make sure I follow it up.","start":2321.92,"end":2323.12,"sentiment":"neutral","sentiment_score":0.2109632045030594}],"sentiment":"neutral","sentiment_score":0.13431779481470585,"num_words":14,"start":2317.6,"end":2323.12},{"sentences":[{"text":"I'm pretty good with these sorts of things, and I do follow them up pretty regularly.","start":2323.12,"end":2326.58,"sentiment":"positive","sentiment_score":0.4299667663872242},{"text":"So I'll make sure I can help you to do that.","start":2326.72,"end":2329.605,"sentiment":"positive","sentiment_score":0.33710992336273193},{"text":"Did you want us to free fill Michelle's details for you to make it a little bit easier on you?","start":2329.845,"end":2334.425,"sentiment":"neutral","sentiment_score":0.08999798744916916},{"text":"That's okay?","start":2336.965,"end":2337.705,"sentiment":"neutral","sentiment_score":0.05096639692783356},{"text":"Yeah.","start":2341.125,"end":2341.525,"sentiment":"neutral","sentiment_score":0.10297904163599014}],"sentiment":"neutral","sentiment_score":0.2518509800732136,"num_words":50,"start":2323.12,"end":2341.525},{"sentences":[{"text":"No worries at all.","start":2341.525,"end":2342.73,"sentiment":"neutral","sentiment_score":0.12113836407661438},{"text":"And have you guys talked about doing up a power of attorney, will, or any other estate planning documents with a solicitor in the past?","start":2343.21,"end":2349.95,"sentiment":"neutral","sentiment_score":0.08047850385308265},{"text":"Yeah.","start":2358.885,"end":2359.125,"sentiment":"neutral","sentiment_score":0.052646197378635406},{"text":"No.","start":2359.125,"end":2359.605,"sentiment":"neutral","sentiment_score":0.024815361946821213},{"text":"Definitely.","start":2359.605,"end":2360.085,"sentiment":"neutral","sentiment_score":0.16977213323116302}],"sentiment":"neutral","sentiment_score":0.08574217953719199,"num_words":32,"start":2341.525,"end":2360.085},{"sentences":[{"text":"It is definitely something very important to do, especially having a home and everything like that.","start":2360.085,"end":2365.065,"sentiment":"neutral","sentiment_score":0.2067738571204245},{"text":"So, you know, when and if you do speak to a solicitor, definitely do so.","start":2365.685,"end":2369.305,"sentiment":"neutral","sentiment_score":0.25669831136862437},{"text":"I could even do up an email for you over the next couple of days if you like just to sort of outlay some information on some easy options to setting up your will.","start":2369.605,"end":2379.21,"sentiment":"neutral","sentiment_score":0.29148198708015327},{"text":"Did you want me to draft up something for you just as a bit of information?","start":2379.21,"end":2382.3499,"sentiment":"neutral","sentiment_score":0.12530292896553874},{"text":"Yeah.","start":2388.405,"end":2388.905,"sentiment":"neutral","sentiment_score":0.2825729250907898}],"sentiment":"neutral","sentiment_score":0.23605687480147292,"num_words":82,"start":2360.085,"end":2388.905},{"sentences":[{"text":"No worries at all.","start":2390.0051,"end":2391.365,"sentiment":"positive","sentiment_score":0.3679620921611786},{"text":"Happy to help you out and do those sorts of things to give you guys a bit of a helping hand.","start":2391.365,"end":2395.385,"sentiment":"positive","sentiment_score":0.6685027735573905},{"text":"Sometimes it can just be a little bit to start the conversation again.","start":2395.445,"end":2398.725,"sentiment":"positive","sentiment_score":0.3523482405222379},{"text":"And there are some ways to kinda do it a little bit cheaply, especially with, like, the Queensland trap days where you can do it over the phone or on the line or by email.","start":2398.725,"end":2407.5,"sentiment":"neutral","sentiment_score":0.3034924511398588},{"text":"You don't actually have to go into the solicitor's office.","start":2407.5,"end":2410.48,"sentiment":"neutral","sentiment_score":0.229893296957016}],"sentiment":"positive","sentiment_score":0.39773617469402683,"num_words":83,"start":2390.0051,"end":2410.48},{"sentences":[{"text":"So I can draft up a couple of those different options for you to kinda make it a bit easier when you are having those conversations.","start":2410.7798,"end":2416.88,"sentiment":"neutral","sentiment_score":0.31467600567982745},{"text":"Perfect.","start":2417.5798,"end":2418.0798,"sentiment":"positive","sentiment_score":0.533993124961853},{"text":"Excellent.","start":2419.515,"end":2420.015,"sentiment":"positive","sentiment_score":0.4786490797996521},{"text":"A couple of weird questions for you.","start":2420.4749,"end":2422.815,"sentiment":"neutral","sentiment_score":0.08300902375153132},{"text":"Are you a pool are you a tax resident of another country?","start":2423.1948,"end":2427.2148,"sentiment":"neutral","sentiment_score":0.016727076688160498}],"sentiment":"neutral","sentiment_score":0.21225545614799288,"num_words":47,"start":2410.7798,"end":2427.2148},{"sentences":[{"text":"No?","start":2429.4348,"end":2429.835,"sentiment":"neutral","sentiment_score":-0.013172151520848274},{"text":"Beautiful.","start":2429.835,"end":2430.335,"sentiment":"neutral","sentiment_score":0.15576842427253723},{"text":"Told you it was a little bit weird.","start":2430.395,"end":2431.74,"sentiment":"neutral","sentiment_score":0.00040779542177915573},{"text":"And do you guys have private health insurance?","start":2432.3,"end":2434.88,"sentiment":"neutral","sentiment_score":-0.0209354180842638},{"text":"No.","start":2437.34,"end":2437.84,"sentiment":"neutral","sentiment_score":-0.1187436580657959}],"sentiment":"neutral","sentiment_score":-0.007387808769157058,"num_words":19,"start":2429.4348,"end":2437.84},{"sentences":[{"text":"Yeah.","start":2445.7551,"end":2445.995,"sentiment":"neutral","sentiment_score":0.007942458614706993},{"text":"No.","start":2445.995,"end":2446.3152,"sentiment":"neutral","sentiment_score":-0.02011399157345295},{"text":"That's okay.","start":2446.3152,"end":2447.0352,"sentiment":"neutral","sentiment_score":0.041058171540498734},{"text":"Not a problem at all.","start":2447.0352,"end":2448.155,"sentiment":"neutral","sentiment_score":0.11855566650629043},{"text":"I told you those questions would be a little bit less packed.","start":2448.155,"end":2450.715,"sentiment":"neutral","sentiment_score":-0.132955032090346}],"sentiment":"neutral","sentiment_score":-0.04441605916335469,"num_words":21,"start":2445.7551,"end":2450.715},{"sentences":[{"text":"It's all good.","start":2450.715,"end":2452.095,"sentiment":"positive","sentiment_score":0.5167809923489889},{"text":"Fantastic.","start":2452.875,"end":2453.375,"sentiment":"positive","sentiment_score":0.7127751708030701},{"text":"So, realistically, with the advice, just to kind of recap on what I'll do, I'll go back and sort of scoping wise, we'll factor in superannuation.","start":2454.5552,"end":2462.87,"sentiment":"neutral","sentiment_score":0.16282408971052903},{"text":"Now I know when you came on board originally, the advice was kinda giving you a projected outcome over the next thirty odd years.","start":2463.6501,"end":2470.95,"sentiment":"neutral","sentiment_score":0.028522397857159376},{"text":"I don't kinda do that because your life can change very heavily within the next sort of ten years.","start":2471.565,"end":2476.285,"sentiment":"neutral","sentiment_score":-0.15668240032697978}],"sentiment":"neutral","sentiment_score":0.05759063592716439,"num_words":73,"start":2450.715,"end":2476.285},{"sentences":[{"text":"I limit my projected outcomes to five to ten years.","start":2476.285,"end":2479.425,"sentiment":"neutral","sentiment_score":-0.0634417824447155},{"text":"We sort of focus on what's happening in the shorter term and then note we can update things moving forward.","start":2479.7249,"end":2484.865,"sentiment":"neutral","sentiment_score":0.005658543994650244},{"text":"I just I don't like the idea of projecting thirty years in the in the future.","start":2485.47,"end":2489.23,"sentiment":"neutral","sentiment_score":-0.22175908647477627},{"text":"You just never know what could change.","start":2489.23,"end":2491.01,"sentiment":"neutral","sentiment_score":-0.18756268279893057},{"text":"Exactly.","start":2496.11,"end":2496.61,"sentiment":"neutral","sentiment_score":0.0031914811115711927}],"sentiment":"neutral","sentiment_score":-0.09961369678947246,"num_words":54,"start":2476.285,"end":2496.61},{"sentences":[{"text":"Exactly.","start":2496.99,"end":2497.49,"sentiment":"neutral","sentiment_score":0.0488615483045578},{"text":"So just to let you know, that's kind of how I do the advice pages for you, but it's about making sure that we track things and keep updating things as your life changes too, which is really important.","start":2497.79,"end":2508.375,"sentiment":"neutral","sentiment_score":0.133068842956653},{"text":"So I'll start in the superannuation side of things, looking at your contributions and how to structure them to make it work for you to give you the best benefits longer term.","start":2509.635,"end":2519.0498,"sentiment":"neutral","sentiment_score":0.20433337660506368},{"text":"We'll update the portfolio.","start":2519.67,"end":2521.13,"sentiment":"neutral","sentiment_score":0.11123273335397243},{"text":"I'll look at the super and make sure that that net wealth is still appropriate.","start":2521.2698,"end":2524.8098,"sentiment":"neutral","sentiment_score":0.1143653524418672}],"sentiment":"neutral","sentiment_score":0.15316072192329627,"num_words":91,"start":2496.99,"end":2524.8098},{"sentences":[{"text":"If not, I can recommend something else.","start":2525.2698,"end":2527.3699,"sentiment":"neutral","sentiment_score":-0.05815131217241287},{"text":"I'll look at, you know, replacing any underperforming investments, look at cost back cost wise there.","start":2527.585,"end":2532.805,"sentiment":"neutral","sentiment_score":0.016571983811445534},{"text":"Do you have any kind of preference around having active managers in your fund to try and outperform against the market or more just looking at a low cost portfolio?","start":2533.745,"end":2542.165,"sentiment":"neutral","sentiment_score":0.020737959009905656},{"text":"What's your kind of preference in the way you prefer to have investment structured?","start":2542.76,"end":2546.38,"sentiment":"neutral","sentiment_score":0.00017131731978484562},{"text":"If you don't have a preference, that's okay.","start":2551.48,"end":2553.5,"sentiment":"neutral","sentiment_score":-0.06560576660558581}],"sentiment":"neutral","sentiment_score":-0.0005628848572572072,"num_words":75,"start":2525.2698,"end":2553.5},{"sentences":[{"text":"Yeah.","start":2558.2349,"end":2558.7349,"sentiment":"neutral","sentiment_score":0.08062369376420975},{"text":"Yep.","start":2565.835,"end":2566.335,"sentiment":"neutral","sentiment_score":0.18542906641960144},{"text":"Yep.","start":2567.1948,"end":2567.6948,"sentiment":"neutral","sentiment_score":0.2657626271247864},{"text":"Beautiful.","start":2568.9548,"end":2569.4548,"sentiment":"positive","sentiment_score":0.5313620567321777},{"text":"Well, I promise I will look after you.","start":2569.755,"end":2571.99,"sentiment":"neutral","sentiment_score":0.28775168769061565}],"sentiment":"neutral","sentiment_score":0.28043257879714173,"num_words":12,"start":2558.2349,"end":2571.99},{"sentences":[{"text":"One of the big things that I sort of pride is that we do work under the best interest duty as part of the corporations act.","start":2572.23,"end":2577.99,"sentiment":"positive","sentiment_score":0.3718729271338536},{"text":"So if there is ever a point where your best interest conflicts with that of anyone else here or my bosses, I always put you first.","start":2577.99,"end":2585.53,"sentiment":"neutral","sentiment_score":0.05725763809795563},{"text":"And I really honestly am probably the happiest little person to talk about super insurances the world has ever seen.","start":2586.435,"end":2591.975,"sentiment":"positive","sentiment_score":0.49309243112802503},{"text":"So I'm looking forward to doing the research and coming back with the advice piece.","start":2592.595,"end":2596.115,"sentiment":"positive","sentiment_score":0.5802457213401795},{"text":"We'll limit it to superannuation, and moving forward, we can always down the track, look at, you know, additional contributions if need be and insurances when you're ready to do so.","start":2596.115,"end":2606.22,"sentiment":"neutral","sentiment_score":0.2482414154275771}],"sentiment":"neutral","sentiment_score":0.317105195058857,"num_words":118,"start":2572.23,"end":2606.22},{"sentences":[{"text":"But we'll sort of book a weather super tracking and what we can do and how we can structure the super and the portfolio to make it work for you.","start":2606.22,"end":2613.52,"sentiment":"neutral","sentiment_score":0.3161799043416977},{"text":"Does that sound okay?","start":2613.66,"end":2614.7998,"sentiment":"neutral","sentiment_score":0.18369119800627232},{"text":"Beautiful.","start":2616.875,"end":2617.375,"sentiment":"positive","sentiment_score":0.7275723218917847},{"text":"Look.","start":2617.515,"end":2617.835,"sentiment":"positive","sentiment_score":0.5885242223739624},{"text":"Thank you so much.","start":2617.835,"end":2619.195,"sentiment":"positive","sentiment_score":0.7612252086400986}],"sentiment":"positive","sentiment_score":0.36452898252755406,"num_words":40,"start":2606.22,"end":2619.195},{"sentences":[{"text":"Now the only other sort of thing to sort of point out is that in that email there, when you press the sign here button, we have two little documents there.","start":2619.195,"end":2626.89,"sentiment":"neutral","sentiment_score":0.027549246566430215},{"text":"One of those is the ongoing service agreement, which essentially notes you pay an ongoing service fee of 1.65 percent per annum.","start":2626.97,"end":2633.95,"sentiment":"neutral","sentiment_score":0.0249135581437837},{"text":"Our ongoing service fee will, as of next year, be a full tiered structure, which essentially means that once your super balance hits over 200,000, you'll drop down into the next tier, which drops your fee from 1.65% to 1.375%.","start":2634.5698,"end":2649.625,"sentiment":"neutral","sentiment_score":0.07948161950334906},{"text":"And then when it hits over 500,000, it will drop down a tier again.","start":2649.625,"end":2653.305,"sentiment":"neutral","sentiment_score":0.04414688676063504},{"text":"So we've kind of implemented that new structure so that as your superfast increases, you drop down to the tier and the percentage will decrease for you, which will kind of work out to your benefit as your super increases.","start":2653.305,"end":2665.73,"sentiment":"neutral","sentiment_score":0.14267151057720184}],"sentiment":"neutral","sentiment_score":0.07419256150063609,"num_words":147,"start":2619.195,"end":2665.73},{"sentences":[{"text":"If for now, because it's under that 200,000, just the 1.65% per annum, that is deducted out of your super on a monthly basis.","start":2667.55,"end":2674.855,"sentiment":"neutral","sentiment_score":-0.019955248727152746},{"text":"In smaller increments there, the document does outline the total fee expected for the year, which will let you know how much you'll pay.","start":2674.855,"end":2682.4749,"sentiment":"neutral","sentiment_score":0.08303169106754164},{"text":"I obviously wanna make sure your super builds on that, makes that 1.65%, and then an additional, you know, bit of growth and income on top of that so it continues to compound forward for you.","start":2682.695,"end":2693.99,"sentiment":"positive","sentiment_score":0.49817223515775466},{"text":"The other document we have in there is the tax file opt in form.","start":2694.61,"end":2698.77,"sentiment":"neutral","sentiment_score":0.10149505415133067},{"text":"So it is really important that you're aware we do hold your tax file number.","start":2698.77,"end":2702.47,"sentiment":"neutral","sentiment_score":0.09280969426035882}],"sentiment":"neutral","sentiment_score":0.19700098454754436,"num_words":113,"start":2667.55,"end":2702.47},{"sentences":[{"text":"We are very security conscious here, and we like to make sure you're aware that we hold it how and why.","start":2702.9849,"end":2707.625,"sentiment":"neutral","sentiment_score":0.12784221839337123},{"text":"So that document outlines that, and we just ask that you sign and return those two documents back to me at your earliest opportunity, and I'll get back into this research there for you.","start":2707.625,"end":2717.08,"sentiment":"neutral","sentiment_score":0.1847437324331087},{"text":"Do you have any additional questions at all?","start":2717.08,"end":2719.74,"sentiment":"neutral","sentiment_score":0.04373680101707578},{"text":"All good.","start":2722.2,"end":2722.76,"sentiment":"neutral","sentiment_score":-0.0800146646797657},{"text":"Is there anything that I may have missed or I haven't touched on that might be important to you?","start":2722.76,"end":2727.72,"sentiment":"neutral","sentiment_score":-0.037437278581293004}],"sentiment":"neutral","sentiment_score":0.10053012231808334,"num_words":84,"start":2702.9849,"end":2727.72},{"sentences":[{"text":"Or yeah.","start":2727.72,"end":2734.645,"sentiment":"neutral","sentiment_score":0.023868929594755166},{"text":"Absolutely.","start":2735.5852,"end":2736.0852,"sentiment":"neutral","sentiment_score":0.1548294723033905},{"text":"No.","start":2736.5452,"end":2736.8652,"sentiment":"neutral","sentiment_score":0.06217281520366669},{"text":"Beautiful.","start":2736.8652,"end":2737.3652,"sentiment":"positive","sentiment_score":0.4215166568756103},{"text":"Well, look.","start":2737.5852,"end":2738.145,"sentiment":"positive","sentiment_score":0.3705218881368637}],"sentiment":"neutral","sentiment_score":0.20390008283512934,"num_words":7,"start":2727.72,"end":2738.145},{"sentences":[{"text":"Thank you so much for your time this afternoon.","start":2738.145,"end":2740.3052,"sentiment":"positive","sentiment_score":0.726447774304284},{"text":"I really appreciate you taking my call.","start":2740.3052,"end":2742.645,"sentiment":"positive","sentiment_score":0.7806905082293919},{"text":"I hope you have an amazing afternoon and a great weekend ahead.","start":2743.31,"end":2746.83,"sentiment":"positive","sentiment_score":0.7699994891881943},{"text":"I will get back into this research.","start":2746.83,"end":2748.23,"sentiment":"positive","sentiment_score":0.4994264117309025},{"text":"It takes a couple of weeks to complete things properly for you, but then I'll come back with the advice document.","start":2748.23,"end":2753.39,"sentiment":"neutral","sentiment_score":0.29994699358940125}],"sentiment":"positive","sentiment_score":0.5542451632874352,"num_words":56,"start":2738.145,"end":2753.39},{"sentences":[{"text":"We can go through that together.","start":2753.39,"end":2754.69,"sentiment":"positive","sentiment_score":0.3410890152057012},{"text":"How does that sound?","start":2754.75,"end":2755.73,"sentiment":"neutral","sentiment_score":0.2907743826508522},{"text":"Beautiful.","start":2758.005,"end":2758.505,"sentiment":"positive","sentiment_score":0.7979451417922974},{"text":"I will let you go.","start":2759.365,"end":2760.325,"sentiment":"positive","sentiment_score":0.7552566170692444},{"text":"I hope you have a great afternoon.","start":2760.325,"end":2761.525,"sentiment":"positive","sentiment_score":0.7203460420880999}],"sentiment":"positive","sentiment_score":0.5576644410257754,"num_words":23,"start":2753.39,"end":2761.525},{"sentences":[{"text":"Thank you so much for your time today.","start":2761.525,"end":2763.385,"sentiment":"positive","sentiment_score":0.6985448971390724},{"text":"Thanks.","start":2767.125,"end":2767.625,"sentiment":"neutral","sentiment_score":0.0057923197746276855},{"text":"Talk to you soon.","start":2767.845,"end":2768.9048,"sentiment":"neutral","sentiment_score":0.1543847732245922},{"text":"See you later.","start":2771.365,"end":2772.085,"sentiment":"neutral","sentiment_score":0.27530762056509656},{"text":"Bye.","start":2772.085,"end":2772.585,"sentiment":"neutral","sentiment_score":-0.06135472282767296}],"sentiment":"positive","sentiment_score":0.4103681605090113,"num_words":17,"start":2761.525,"end":2772.585}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Not too bad. How are you? Yeah. It's fine. It doesn't take heaps long, does it? That's fine. Yeah. Yeah. That's fine. Yep. My name is Christopher John Thompson. My date of birth is the 12/02/1983. My residential address is 19 Gloucester Crescent, Darling Heights, Toowoomba, Queensland 4350. I should be able to get by the email. Uh-huh. Yep. It's here. Yep. Super summary. Uh-huh. Yeah. It says it is. Yep. Summary of superannuation. Beautiful. I've spoken to someone about it before. I just haven't gone too far with that. I've got I have got life insurance for I've got well, yeah, life insurance. So I've got it's a refund call. So yeah. Good question. It's been a while since I've talked about it. It was, I think, 200,000 because that was the amount to be able to pay out my mortgage. Yeah. We actually drew on it to do some renovations to the house in the near future. So I can give you an exact amount that we owe at the moment. If you do you want that? Come on. The exact amount, once it loads, is $203,503 and 30 2¢. I'm not entirely sure the exact amount. It it had gone up slightly, so it it's still not great. Each rate just don't get paid much. So, yeah, but, yeah, it it will be slightly more, but I'm not sure not sure of the exact figure. At this stage, I'm happy like, I probably will look into it in the notches in the future, but I'm fine for the moment. I don't anticipate disappearing anytime soon. I'll probably just hold off. When I do a review of my life insurance and stuff like that, I'll probably look at it all then, go through and have that. But the thing that is my income protection, I really don't get paid much. So it's, yeah, not a hugely important thing. My wife's got my wife earns a lot more than I do. So yeah. No. Not much now. No. Alright. Soon, I don't think like, soon so I've been working with Education Queensland for six years now, so it wouldn't be too far off having some long service leave, I guess. Yep. Yeah. After that, whatever. For the time I get there, the retirement age will be 80, but, yeah, sometime around that point. You know, it's it's slowly creeping up. It's now 67. So Well, ultimately, it'll depend on how much money I have for, like, a built up retirement. I won't want to retire until I can live comfortably enough to get by, so depends on how. But the way I was always explained that the what it's like the super, it'll it starts off slower and gets more the longer you go along. So you'll be getting oh, like, at the moment, I'm only a 100,000, which is not gonna cover me for anything. So, yeah, hopefully, by the time I'm 60, I'll have a bit more there. Yeah. Yeah. Alright. Give me a sec. I've gotta go back through and find it. No. You're good. Uh-huh. So it's the Netwealth asset performance detail. Okay. It's just opening. Check it's just going slow. Yep. Okay. It's open. Begley. Yeah. Yeah. I've always been wanted I'm happy to play a little bit more conservative because you hear the stories of people who, yeah, they've had really high gain things, and then they lose it all and get, like, yeah. So I've always been a little bit more on the conservative side. I'm happy to go with, like, the best judgment on what's gonna get me a satisfactory amount that's safe? Or as well, as safe as it can be. I know that there's inherent risk. There's a or or inherent risk and everything, but, yeah, mitigated risk is much better for me, I think. Yeah. Yeah. Yep. No. Although in hindsight, I should have gotten to that a number of years ago, but no. Yeah. I'd probably be in the middle somewhere. Like, I don't mind taking some risks, but I don't want to get into a position where I lose half my super. So I'm I'm sort of in the middle. I don't mind some risk, but I don't want complete risk, I guess. Oh, I probably am happy to you guys have done a pretty good job so far, so I'm happy to go with your best judgment or best recommendations at this stage. I won't be happy about it, but it's one of well, as I said, it's one of those things that has inherent risk. So I would be disappointed if I saw a significant drop. But, yeah, it I'm not going to panic sell and all that stuff either. So If in a position, I I might consider other options. But at the moment, I'm just happy to have my house and do the renovations I need to get it fixed up. So it's something that I'd consider down the line, but it's not something that's necessarily on the horizon. That's something I'd consider down the track. I'm I think I'm probably, like I I like the high growth, but as long as it's not too big a risk. And, see, I'm not I don't I don't have the knowledge or skills that you have. And so I'm happy to help you go have you guys invest wisely on my behalf. For me, I probably I wouldn't go into the high risk one. I just I don't think that's a wise choice for me. I'm happy to stay in the growth area. I did when we first signed up, I did say the high growth because when I first signed up, I had, like despite having worked since I was 12, I had, like, 50,000 dollars or something there. And so I thought, no. That's not gonna be cutting it. So I did say the high growth sort of thing when I first started, but I'm still happy to be in sort of a growth area. I don't mind the bit of risk, so I don't it doesn't have to be all defensive. But, yeah, I probably am happy to go with the growth as opposed to the high growth, if that makes sense. Yep. Sounds good. No. You're alright. I don't have any questions at the moment, but I am not also going to like, I'm happy to call you if I've got queries or if anything if anything goes crazy, I'm sure you guys will let me know. Bye. For sure. I've got no problem with having a six month catch up, although there are times where I'm hard to catch because I've got a very busy life. So but yes. No. Six monthly is fine. Yep. That's fine. Oh, my. I can have a quick check. I'll have a quick look and see what it should be. Sorry. Just give me a second. Where are we? So my take home at this stage is about 1,700 a fortnight. Yep. I'm happy for the like, to stay at that for the moment, but maybe next time we patch up, it might be worth looking at. To be honest, I haven't really thought too much about it. I had yeah. But I just haven't thought much about it if I'm being completely honest. So I'm happy for you to if you can if you can say something that's gonna help, then let me know, and we'll see if we can go ahead with it or if I don't feel comfortable or whatever. Just let me know, and I will we can see how we go. Sounds great. I that was my sort of best guess. We've still got the same true cars. Although, one of the things that we're looking at at in the near future is we've finished paying off my ute. So we're potentially looking at getting another new car sometime in the future. I don't know when, but it might change then. But at the moment, it's still the same two vehicles. Well, with with the way that we're doing our renovations, we actually got money from the bank to sit there so that we could get the renovations done. So we've actually got 90 ish thousand in the bank at the moment. But, yeah, it could be used for the renovations, but the renovations we're looking at doing aren't anywhere near that at the moment. And I'm quite happy about the interest it's gaining because they've got so much in the account. So Not that I no. There's nothing we haven't got a credit card or anything like that. So I'm a wife. Yes. Yep. Yep. I'm happy to note down Michelle as my beneficiary. Yeah. I'm happy to send it out. I unfortunately have been in Slack at times, but I'll do my best, do my best to get back to you as quick as possible. Beautiful. No. That's fine. I can put in the relevant details and stuff like that, I think. We've been talking about doing our wills for each other for the last ten years, but we actually haven't done it yet. No obligation. Sort of deals looked up. Yep. That sounds fine. Yep. No. No. We we sort of we talked about it and then we didn't talk about it and it never actually eventuated. So we're currently just a public system at the moment. Yep. Yep. Well, it's a long time to try and get right. I I yeah. I don't really have a preference at this stage. It's the reason I was happy to jump on with you guys is that, yeah, I was happy to have you guys sorta use your wisdom. So Yes. That sounds good. Yep. No. Yeah. No. Not at the moment. Not that instantly leaves someone. As I said, I'm happy to call you if I think of something. Sounds good. Not working. No. Hey. 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Yeah. Not too bad. How are you? Yeah.\n\nIt's fine. It doesn't take heaps long, does it? That's fine. Yeah. Yeah.\n\nThat's fine. Yep. My name is Christopher John Thompson. My date of birth is the 12/02/1983. My residential address is 19 Gloucester Crescent, Darling Heights, Toowoomba, Queensland 4350.\n\nI should be able to get by the email. Uh-huh. Yep. It's here. Yep.\n\nSuper summary. Uh-huh. Yeah. It says it is. Yep.\n\nSummary of superannuation. Beautiful. I've spoken to someone about it before. I just haven't gone too far with that. I've got I have got life insurance for I've got well, yeah, life insurance.\n\nSo I've got it's a refund call. So yeah. Good question. It's been a while since I've talked about it. It was, I think, 200,000 because that was the amount to be able to pay out my mortgage.\n\nYeah. We actually drew on it to do some renovations to the house in the near future. So I can give you an exact amount that we owe at the moment. If you do you want that? Come on.\n\nThe exact amount, once it loads, is $203,503 and 30 2¢. I'm not entirely sure the exact amount. It it had gone up slightly, so it it's still not great. Each rate just don't get paid much. So, yeah, but, yeah, it it will be slightly more, but I'm not sure not sure of the exact figure.\n\nAt this stage, I'm happy like, I probably will look into it in the notches in the future, but I'm fine for the moment. I don't anticipate disappearing anytime soon. I'll probably just hold off. When I do a review of my life insurance and stuff like that, I'll probably look at it all then, go through and have that. But the thing that is my income protection, I really don't get paid much.\n\nSo it's, yeah, not a hugely important thing. My wife's got my wife earns a lot more than I do. So yeah. No. Not much now.\n\nNo. Alright. Soon, I don't think like, soon so I've been working with Education Queensland for six years now, so it wouldn't be too far off having some long service leave, I guess. Yep. Yeah.\n\nAfter that, whatever. For the time I get there, the retirement age will be 80, but, yeah, sometime around that point. You know, it's it's slowly creeping up. It's now 67. So Well, ultimately, it'll depend on how much money I have for, like, a built up retirement.\n\nI won't want to retire until I can live comfortably enough to get by, so depends on how. But the way I was always explained that the what it's like the super, it'll it starts off slower and gets more the longer you go along. So you'll be getting oh, like, at the moment, I'm only a 100,000, which is not gonna cover me for anything. So, yeah, hopefully, by the time I'm 60, I'll have a bit more there. Yeah.\n\nYeah. Alright. Give me a sec. I've gotta go back through and find it. No.\n\nYou're good. Uh-huh. So it's the Netwealth asset performance detail. Okay. It's just opening.\n\nCheck it's just going slow. Yep. Okay. It's open. Begley.\n\nYeah. Yeah. I've always been wanted I'm happy to play a little bit more conservative because you hear the stories of people who, yeah, they've had really high gain things, and then they lose it all and get, like, yeah. So I've always been a little bit more on the conservative side. I'm happy to go with, like, the best judgment on what's gonna get me a satisfactory amount that's safe?\n\nOr as well, as safe as it can be. I know that there's inherent risk. There's a or or inherent risk and everything, but, yeah, mitigated risk is much better for me, I think. Yeah. Yeah.\n\nYep. No. Although in hindsight, I should have gotten to that a number of years ago, but no. Yeah. I'd probably be in the middle somewhere.\n\nLike, I don't mind taking some risks, but I don't want to get into a position where I lose half my super. So I'm I'm sort of in the middle. I don't mind some risk, but I don't want complete risk, I guess. Oh, I probably am happy to you guys have done a pretty good job so far, so I'm happy to go with your best judgment or best recommendations at this stage. I won't be happy about it, but it's one of well, as I said, it's one of those things that has inherent risk.\n\nSo I would be disappointed if I saw a significant drop. But, yeah, it I'm not going to panic sell and all that stuff either. So If in a position, I I might consider other options. But at the moment, I'm just happy to have my house and do the renovations I need to get it fixed up. So it's something that I'd consider down the line, but it's not something that's necessarily on the horizon.\n\nThat's something I'd consider down the track. I'm I think I'm probably, like I I like the high growth, but as long as it's not too big a risk. And, see, I'm not I don't I don't have the knowledge or skills that you have. And so I'm happy to help you go have you guys invest wisely on my behalf. For me, I probably I wouldn't go into the high risk one.\n\nI just I don't think that's a wise choice for me. I'm happy to stay in the growth area. I did when we first signed up, I did say the high growth because when I first signed up, I had, like despite having worked since I was 12, I had, like, 50,000 dollars or something there. And so I thought, no. That's not gonna be cutting it.\n\nSo I did say the high growth sort of thing when I first started, but I'm still happy to be in sort of a growth area. I don't mind the bit of risk, so I don't it doesn't have to be all defensive. But, yeah, I probably am happy to go with the growth as opposed to the high growth, if that makes sense. Yep. Sounds good.\n\nNo. You're alright. I don't have any questions at the moment, but I am not also going to like, I'm happy to call you if I've got queries or if anything if anything goes crazy, I'm sure you guys will let me know. Bye. For sure.\n\nI've got no problem with having a six month catch up, although there are times where I'm hard to catch because I've got a very busy life. So but yes. No. Six monthly is fine. Yep.\n\nThat's fine. Oh, my. I can have a quick check. I'll have a quick look and see what it should be. Sorry.\n\nJust give me a second. Where are we? So my take home at this stage is about 1,700 a fortnight. Yep. I'm happy for the like, to stay at that for the moment, but maybe next time we patch up, it might be worth looking at.\n\nTo be honest, I haven't really thought too much about it. I had yeah. But I just haven't thought much about it if I'm being completely honest. So I'm happy for you to if you can if you can say something that's gonna help, then let me know, and we'll see if we can go ahead with it or if I don't feel comfortable or whatever. Just let me know, and I will we can see how we go.\n\nSounds great. I that was my sort of best guess. We've still got the same true cars. Although, one of the things that we're looking at at in the near future is we've finished paying off my ute. So we're potentially looking at getting another new car sometime in the future.\n\nI don't know when, but it might change then. But at the moment, it's still the same two vehicles. Well, with with the way that we're doing our renovations, we actually got money from the bank to sit there so that we could get the renovations done. So we've actually got 90 ish thousand in the bank at the moment. But, yeah, it could be used for the renovations, but the renovations we're looking at doing aren't anywhere near that at the moment.\n\nAnd I'm quite happy about the interest it's gaining because they've got so much in the account. So Not that I no. There's nothing we haven't got a credit card or anything like that. So I'm a wife. Yes.\n\nYep. Yep. I'm happy to note down Michelle as my beneficiary. Yeah. I'm happy to send it out.\n\nI unfortunately have been in Slack at times, but I'll do my best, do my best to get back to you as quick as possible. Beautiful. No. That's fine. I can put in the relevant details and stuff like that, I think.\n\nWe've been talking about doing our wills for each other for the last ten years, but we actually haven't done it yet. No obligation. Sort of deals looked up. Yep. That sounds fine.\n\nYep. No. No. We we sort of we talked about it and then we didn't talk about it and it never actually eventuated. So we're currently just a public system at the moment.\n\nYep. Yep. Well, it's a long time to try and get right. I I yeah. I don't really have a preference at this stage.\n\nIt's the reason I was happy to jump on with you guys is that, yeah, I was happy to have you guys sorta use your wisdom. So Yes. That sounds good. Yep. No.\n\nYeah. No. Not at the moment. Not that instantly leaves someone. As I said, I'm happy to call you if I think of something.\n\nSounds good. Not working. No. Hey. I'm fine.","paragraphs":[{"sentences":[{"text":"Hello?","start":5.2799997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.03159533441066742},{"text":"Yeah.","start":10.48,"end":10.8,"sentiment":"neutral","sentiment_score":0.20228958129882812},{"text":"Not too bad.","start":10.8,"end":11.44,"sentiment":"neutral","sentiment_score":0.2757536272207896},{"text":"How are you?","start":11.44,"end":12.015,"sentiment":"neutral","sentiment_score":0.30218114455540973},{"text":"Yeah.","start":20.175,"end":20.494999,"sentiment":"neutral","sentiment_score":0.1130288392305374}],"sentiment":"neutral","sentiment_score":0.23119089669651455,"num_words":9,"start":5.2799997,"end":20.494999},{"sentences":[{"text":"It's fine.","start":20.494999,"end":21.215,"sentiment":"neutral","sentiment_score":0.18055739998817444},{"text":"It doesn't take heaps long, does it?","start":21.215,"end":23.154999,"sentiment":"neutral","sentiment_score":0.12597801217011043},{"text":"That's fine.","start":33.85,"end":34.67,"sentiment":"neutral","sentiment_score":0.18730728328227997},{"text":"Yeah.","start":45.864998,"end":46.364998,"sentiment":"neutral","sentiment_score":0.08618450164794922},{"text":"Yeah.","start":48.025,"end":48.345,"sentiment":"neutral","sentiment_score":0.09573924541473389}],"sentiment":"neutral","sentiment_score":0.13842301529187423,"num_words":13,"start":20.494999,"end":48.345},{"sentences":[{"text":"That's fine.","start":48.345,"end":49.165,"sentiment":"neutral","sentiment_score":0.16523303091526031},{"text":"Yep.","start":58.6,"end":59.1,"sentiment":"neutral","sentiment_score":0.12073438614606856},{"text":"My name is Christopher John Thompson.","start":68.105,"end":69.885,"sentiment":"neutral","sentiment_score":0.02151192134867112},{"text":"My date of birth is the 12/02/1983.","start":70.105,"end":73.725006,"sentiment":"neutral","sentiment_score":0.02964469471148082},{"text":"My residential address is 19 Gloucester Crescent, Darling Heights, Toowoomba, Queensland 4350.","start":73.945,"end":80.67,"sentiment":"neutral","sentiment_score":0.04762843359882633}],"sentiment":"neutral","sentiment_score":0.04854735865124634,"num_words":28,"start":48.345,"end":80.67},{"sentences":[{"text":"I should be able to get by the email.","start":94.595,"end":96.135,"sentiment":"neutral","sentiment_score":0.13366619497537613},{"text":"Uh-huh.","start":114.37,"end":114.87,"sentiment":"neutral","sentiment_score":0.18667985498905185},{"text":"Yep.","start":121.665,"end":122.165,"sentiment":"neutral","sentiment_score":0.17525678873062134},{"text":"It's here.","start":122.625,"end":123.445,"sentiment":"neutral","sentiment_score":0.2681569904088974},{"text":"Yep.","start":147.29501,"end":147.77501,"sentiment":"neutral","sentiment_score":0.17180129885673523}],"sentiment":"neutral","sentiment_score":0.16236054844089917,"num_words":14,"start":94.595,"end":147.77501},{"sentences":[{"text":"Super summary.","start":147.77501,"end":148.675,"sentiment":"positive","sentiment_score":0.38708099722862244},{"text":"Uh-huh.","start":156.49,"end":156.99,"sentiment":"neutral","sentiment_score":0.09115622937679292},{"text":"Yeah.","start":166.015,"end":166.25499,"sentiment":"neutral","sentiment_score":0.04811416566371918},{"text":"It says it is.","start":166.25499,"end":167.055,"sentiment":"neutral","sentiment_score":0.0417524091899395},{"text":"Yep.","start":167.055,"end":167.295,"sentiment":"neutral","sentiment_score":0.061283327639102936}],"sentiment":"neutral","sentiment_score":0.12685837265517977,"num_words":9,"start":147.77501,"end":167.295},{"sentences":[{"text":"Summary of superannuation.","start":167.295,"end":168.355,"sentiment":"neutral","sentiment_score":0.08055102576812108},{"text":"Beautiful.","start":202.765,"end":203.265,"sentiment":"positive","sentiment_score":0.5974192023277283},{"text":"I've spoken to someone about it before.","start":222.97499,"end":224.995,"sentiment":"neutral","sentiment_score":-0.08250580195869718},{"text":"I just haven't gone too far with that.","start":225.055,"end":230.76001,"sentiment":"neutral","sentiment_score":-0.11866948381066322},{"text":"I've got I have got life insurance for I've got well, yeah, life insurance.","start":230.76001,"end":237.26001,"sentiment":"neutral","sentiment_score":-0.04180099216422865}],"sentiment":"neutral","sentiment_score":-0.03857691196555441,"num_words":33,"start":167.295,"end":237.26001},{"sentences":[{"text":"So I've got it's a refund call.","start":237.40001,"end":239.58,"sentiment":"neutral","sentiment_score":0.0024321519636682104},{"text":"So yeah.","start":239.8,"end":244.365,"sentiment":"neutral","sentiment_score":-0.0011690370738506326},{"text":"Good question.","start":249.80501,"end":250.365,"sentiment":"neutral","sentiment_score":0.030742675065994263},{"text":"It's been a while since I've talked about it.","start":250.365,"end":252.365,"sentiment":"neutral","sentiment_score":-0.06935594148106045},{"text":"It was, I think, 200,000 because that was the amount to be able to pay out my mortgage.","start":252.365,"end":258.385,"sentiment":"neutral","sentiment_score":0.0309186321683228}],"sentiment":"neutral","sentiment_score":0.0002237959323745025,"num_words":38,"start":237.40001,"end":258.385},{"sentences":[{"text":"Yeah.","start":265.4,"end":265.9,"sentiment":"neutral","sentiment_score":0.20109912753105164},{"text":"We actually drew on it to do some renovations to the house in the near future.","start":289.42,"end":296.48,"sentiment":"neutral","sentiment_score":0.0056077445624396205},{"text":"So I can give you an exact amount that we owe at the moment.","start":296.78,"end":301.985,"sentiment":"neutral","sentiment_score":0.00955146484609161},{"text":"If you do you want that?","start":304.365,"end":306.145,"sentiment":"neutral","sentiment_score":0.05165513666967551},{"text":"Come on.","start":318.38,"end":319.12003,"sentiment":"neutral","sentiment_score":0.04065393656492233}],"sentiment":"neutral","sentiment_score":0.020917493372391432,"num_words":39,"start":265.4,"end":319.12003},{"sentences":[{"text":"The exact amount, once it loads, is $203,503 and 30 2¢.","start":323.14502,"end":333.725,"sentiment":"neutral","sentiment_score":0.027762763574719428},{"text":"I'm not entirely sure the exact amount.","start":361.26498,"end":363.025,"sentiment":"neutral","sentiment_score":-0.13115605924810683},{"text":"It it had gone up slightly, so it it's still not great.","start":363.025,"end":368.22998,"sentiment":"neutral","sentiment_score":-0.16761748616894087},{"text":"Each rate just don't get paid much.","start":368.44998,"end":370.55,"sentiment":"neutral","sentiment_score":-0.320227855018207},{"text":"So, yeah, but, yeah, it it will be slightly more, but I'm not sure not sure of the exact figure.","start":375.72998,"end":381.985,"sentiment":"neutral","sentiment_score":-0.0989243851043284}],"sentiment":"neutral","sentiment_score":-0.12271352321840823,"num_words":57,"start":323.14502,"end":381.985},{"sentences":[{"text":"At this stage, I'm happy like, I probably will look into it in the notches in the future, but I'm fine for the moment.","start":419.05,"end":426.27,"sentiment":"neutral","sentiment_score":0.0924755735322833},{"text":"I don't anticipate disappearing anytime soon.","start":427.12997,"end":430.98502,"sentiment":"neutral","sentiment_score":-0.11253044381737709},{"text":"I'll probably just hold off.","start":448.15002,"end":449.67,"sentiment":"neutral","sentiment_score":-0.06371892616152763},{"text":"When I do a review of my life insurance and stuff like that, I'll probably look at it all then, go through and have that.","start":449.67,"end":461.755,"sentiment":"neutral","sentiment_score":-0.013473770865239203},{"text":"But the thing that is my income protection, I really don't get paid much.","start":461.755,"end":466.155,"sentiment":"neutral","sentiment_score":-0.14563767532152788}],"sentiment":"neutral","sentiment_score":-0.01554236831174962,"num_words":74,"start":419.05,"end":466.155},{"sentences":[{"text":"So it's, yeah, not a hugely important thing.","start":466.155,"end":472.155,"sentiment":"neutral","sentiment_score":-0.11544429510831833},{"text":"My wife's got my wife earns a lot more than I do.","start":472.155,"end":475.94998,"sentiment":"neutral","sentiment_score":-0.02863146271556616},{"text":"So yeah.","start":475.94998,"end":485.41998,"sentiment":"neutral","sentiment_score":0.020746267400681973},{"text":"No.","start":495.115,"end":495.435,"sentiment":"neutral","sentiment_score":-0.12211528420448305},{"text":"Not much now.","start":495.435,"end":496.555,"sentiment":"neutral","sentiment_score":-0.1389005482196808}],"sentiment":"neutral","sentiment_score":-0.06786370413521162,"num_words":26,"start":466.155,"end":496.555},{"sentences":[{"text":"No.","start":496.555,"end":497.055,"sentiment":"neutral","sentiment_score":-0.12007077038288116},{"text":"Alright.","start":497.91498,"end":498.31497,"sentiment":"neutral","sentiment_score":0.026543304324150085},{"text":"Soon, I don't think like, soon so I've been working with Education Queensland for six years now, so it wouldn't be too far off having some long service leave, I guess.","start":498.31497,"end":511.39,"sentiment":"neutral","sentiment_score":-0.048879993989342646},{"text":"Yep.","start":579.775,"end":580.275,"sentiment":"neutral","sentiment_score":0.30628669261932373},{"text":"Yeah.","start":602.315,"end":602.815,"sentiment":"neutral","sentiment_score":0.00508454442024231}],"sentiment":"neutral","sentiment_score":-0.03706960121967963,"num_words":35,"start":496.555,"end":602.815},{"sentences":[{"text":"After that, whatever.","start":603.115,"end":604.41504,"sentiment":"neutral","sentiment_score":-0.009752745429674784},{"text":"For the time I get there, the retirement age will be 80, but, yeah, sometime around that point.","start":605.06,"end":612.04,"sentiment":"neutral","sentiment_score":-0.03941688552084896},{"text":"You know, it's it's slowly creeping up.","start":626.125,"end":628.285,"sentiment":"neutral","sentiment_score":-0.220604593200343},{"text":"It's now 67.","start":628.285,"end":629.725,"sentiment":"neutral","sentiment_score":-0.018959167956685025},{"text":"So Well, ultimately, it'll depend on how much money I have for, like, a built up retirement.","start":629.725,"end":676.195,"sentiment":"neutral","sentiment_score":0.19975263143286986}],"sentiment":"neutral","sentiment_score":0.02199839380045887,"num_words":48,"start":603.115,"end":676.195},{"sentences":[{"text":"I won't want to retire until I can live comfortably enough to get by, so depends on how.","start":676.575,"end":685.15497,"sentiment":"neutral","sentiment_score":0.08621759298774931},{"text":"But the way I was always explained that the what it's like the super, it'll it starts off slower and gets more the longer you go along.","start":686.51996,"end":705.215,"sentiment":"neutral","sentiment_score":-0.0763936449808103},{"text":"So you'll be getting oh, like, at the moment, I'm only a 100,000, which is not gonna cover me for anything.","start":705.215,"end":710.435,"sentiment":"neutral","sentiment_score":-0.18733638950756618},{"text":"So, yeah, hopefully, by the time I'm 60, I'll have a bit more there.","start":712.09503,"end":720.77997,"sentiment":"neutral","sentiment_score":0.043451906581010134},{"text":"Yeah.","start":798.24005,"end":798.74005,"sentiment":"neutral","sentiment_score":0.18263354897499084}],"sentiment":"neutral","sentiment_score":-0.04510883554632281,"num_words":81,"start":676.575,"end":798.74005},{"sentences":[{"text":"Yeah.","start":809.69495,"end":810.19495,"sentiment":"neutral","sentiment_score":0.03962184488773346},{"text":"Alright.","start":813.21497,"end":813.71497,"sentiment":"neutral","sentiment_score":0.08639981597661972},{"text":"Give me a sec.","start":847.06,"end":847.86,"sentiment":"neutral","sentiment_score":0.0007285603787750006},{"text":"I've gotta go back through and find it.","start":847.86,"end":849.72,"sentiment":"neutral","sentiment_score":-0.00020272890105843522},{"text":"No.","start":851.45996,"end":851.77997,"sentiment":"neutral","sentiment_score":-0.022986892610788345}],"sentiment":"neutral","sentiment_score":0.00695514523734649,"num_words":15,"start":809.69495,"end":851.77997},{"sentences":[{"text":"You're good.","start":851.77997,"end":852.51996,"sentiment":"neutral","sentiment_score":0.019030979834496975},{"text":"Uh-huh.","start":854.18,"end":854.5,"sentiment":"neutral","sentiment_score":0.017883993685245514},{"text":"So it's the Netwealth asset performance detail.","start":854.5,"end":858.695,"sentiment":"neutral","sentiment_score":0.04064735450914928},{"text":"Okay.","start":865.315,"end":865.815,"sentiment":"neutral","sentiment_score":0.06409488618373871},{"text":"It's just opening.","start":868.03503,"end":869.09503,"sentiment":"neutral","sentiment_score":0.03641202735404173}],"sentiment":"neutral","sentiment_score":0.03670060022601059,"num_words":14,"start":851.77997,"end":869.09503},{"sentences":[{"text":"Check it's just going slow.","start":869.715,"end":871.575,"sentiment":"neutral","sentiment_score":-0.0452979052439332},{"text":"Yep.","start":871.88,"end":872.27997,"sentiment":"neutral","sentiment_score":-0.03581992909312248},{"text":"Okay.","start":872.27997,"end":872.77997,"sentiment":"neutral","sentiment_score":-0.010211588814854622},{"text":"It's open.","start":875.95996,"end":876.70996,"sentiment":"neutral","sentiment_score":0.06529724225401878},{"text":"Begley.","start":967.485,"end":967.985,"sentiment":"neutral","sentiment_score":0.013174798339605331}],"sentiment":"neutral","sentiment_score":-0.01287517612800002,"num_words":10,"start":869.715,"end":967.985},{"sentences":[{"text":"Yeah.","start":1033.0,"end":1033.5,"sentiment":"neutral","sentiment_score":0.17499887943267822},{"text":"Yeah.","start":1077.8201,"end":1078.2201,"sentiment":"neutral","sentiment_score":0.07303345203399658},{"text":"I've always been wanted I'm happy to play a little bit more conservative because you hear the stories of people who, yeah, they've had really high gain things, and then they lose it all and get, like, yeah.","start":1078.2201,"end":1101.0701,"sentiment":"neutral","sentiment_score":0.1138960711265865},{"text":"So I've always been a little bit more on the conservative side.","start":1101.53,"end":1104.51,"sentiment":"neutral","sentiment_score":0.14053705396751562},{"text":"I'm happy to go with, like, the best judgment on what's gonna get me a satisfactory amount that's safe?","start":1107.13,"end":1116.515,"sentiment":"positive","sentiment_score":0.3582123659159008}],"sentiment":"neutral","sentiment_score":0.1840642624547784,"num_words":71,"start":1033.0,"end":1116.515},{"sentences":[{"text":"Or as well, as safe as it can be.","start":1120.655,"end":1122.655,"sentiment":"neutral","sentiment_score":0.1556947421696451},{"text":"I know that there's inherent risk.","start":1122.655,"end":1124.435,"sentiment":"neutral","sentiment_score":-0.1581722932557265},{"text":"There's a or or inherent risk and everything, but, yeah, mitigated risk is much better for me, I think.","start":1124.5751,"end":1133.06,"sentiment":"neutral","sentiment_score":0.03199648513997856},{"text":"Yeah.","start":1173.4851,"end":1173.9851,"sentiment":"neutral","sentiment_score":0.1953714489936829},{"text":"Yeah.","start":1233.96,"end":1234.46,"sentiment":"neutral","sentiment_score":0.12804314494132996}],"sentiment":"neutral","sentiment_score":0.03843240921075145,"num_words":36,"start":1120.655,"end":1234.46},{"sentences":[{"text":"Yep.","start":1269.265,"end":1269.765,"sentiment":"neutral","sentiment_score":0.0527646541595459},{"text":"No.","start":1277.88,"end":1278.3601,"sentiment":"neutral","sentiment_score":-0.0807381272315979},{"text":"Although in hindsight, I should have gotten to that a number of years ago, but no.","start":1278.3601,"end":1282.9401,"sentiment":"neutral","sentiment_score":-0.1291847275570035},{"text":"Yeah.","start":1299.205,"end":1299.705,"sentiment":"neutral","sentiment_score":-0.018519487231969833},{"text":"I'd probably be in the middle somewhere.","start":1332.4401,"end":1335.3401,"sentiment":"neutral","sentiment_score":-0.07012511151177543}],"sentiment":"neutral","sentiment_score":-0.10016632237686561,"num_words":26,"start":1269.265,"end":1335.3401},{"sentences":[{"text":"Like, I don't mind taking some risks, but I don't want to get into a position where I lose half my super.","start":1335.4,"end":1344.575,"sentiment":"neutral","sentiment_score":-0.21635653247887437},{"text":"So I'm I'm sort of in the middle.","start":1345.515,"end":1347.755,"sentiment":"neutral","sentiment_score":-0.11461317166686058},{"text":"I don't mind some risk, but I don't want complete risk, I guess.","start":1347.755,"end":1353.695,"sentiment":"neutral","sentiment_score":-0.18351274671462867},{"text":"Oh, I probably am happy to you guys have done a pretty good job so far, so I'm happy to go with your best judgment or best recommendations at this stage.","start":1381.6,"end":1391.3799,"sentiment":"positive","sentiment_score":0.6629886579129004},{"text":"I won't be happy about it, but it's one of well, as I said, it's one of those things that has inherent risk.","start":1410.4299,"end":1417.09,"sentiment":"neutral","sentiment_score":-0.22960651244806207}],"sentiment":"neutral","sentiment_score":0.07432251354468238,"num_words":97,"start":1335.4,"end":1417.09},{"sentences":[{"text":"So I would be disappointed if I saw a significant drop.","start":1417.71,"end":1423.295,"sentiment":"negative","sentiment_score":-0.3395167724652724},{"text":"But, yeah, it I'm not going to panic sell and all that stuff either.","start":1423.755,"end":1432.635,"sentiment":"neutral","sentiment_score":-0.07745674651648317},{"text":"So If in a position, I I might consider other options.","start":1432.635,"end":1454.005,"sentiment":"neutral","sentiment_score":-0.0016240294684063304},{"text":"But at the moment, I'm just happy to have my house and do the renovations I need to get it fixed up.","start":1454.005,"end":1461.1901,"sentiment":"neutral","sentiment_score":0.13043758052993903},{"text":"So it's something that I'd consider down the line, but it's not something that's necessarily on the horizon.","start":1461.1901,"end":1470.81,"sentiment":"neutral","sentiment_score":-0.009809418270985285}],"sentiment":"neutral","sentiment_score":-0.028209026706846135,"num_words":76,"start":1417.71,"end":1470.81},{"sentences":[{"text":"That's something I'd consider down the track.","start":1471.115,"end":1472.975,"sentiment":"neutral","sentiment_score":0.020871356395738467},{"text":"I'm I think I'm probably, like I I like the high growth, but as long as it's not too big a risk.","start":1550.635,"end":1563.6,"sentiment":"neutral","sentiment_score":0.08639669519933788},{"text":"And, see, I'm not I don't I don't have the knowledge or skills that you have.","start":1564.0,"end":1568.34,"sentiment":"neutral","sentiment_score":-0.13581729563884437},{"text":"And so I'm happy to help you go have you guys invest wisely on my behalf.","start":1569.0399,"end":1577.38,"sentiment":"positive","sentiment_score":0.4472826849669218},{"text":"For me, I probably I wouldn't go into the high risk one.","start":1642.0549,"end":1646.13,"sentiment":"negative","sentiment_score":-0.3501879734297593}],"sentiment":"neutral","sentiment_score":0.0387399635239415,"num_words":73,"start":1471.115,"end":1646.13},{"sentences":[{"text":"I just I don't think that's a wise choice for me.","start":1646.13,"end":1648.37,"sentiment":"negative","sentiment_score":-0.3750195123932578},{"text":"I'm happy to stay in the growth area.","start":1648.37,"end":1651.03,"sentiment":"positive","sentiment_score":0.34030769020318985},{"text":"I did when we first signed up, I did say the high growth because when I first signed up, I had, like despite having worked since I was 12, I had, like, 50,000 dollars or something there.","start":1651.3301,"end":1664.145,"sentiment":"neutral","sentiment_score":0.03875230736023671},{"text":"And so I thought, no.","start":1664.145,"end":1665.105,"sentiment":"neutral","sentiment_score":-0.03504687882959843},{"text":"That's not gonna be cutting it.","start":1665.105,"end":1667.285,"sentiment":"neutral","sentiment_score":-0.07594272308051586}],"sentiment":"neutral","sentiment_score":-0.008952365298546962,"num_words":67,"start":1646.13,"end":1667.285},{"sentences":[{"text":"So I did say the high growth sort of thing when I first started, but I'm still happy to be in sort of a growth area.","start":1667.425,"end":1677.2699,"sentiment":"neutral","sentiment_score":0.16570185117710096},{"text":"I don't mind the bit of risk, so I don't it doesn't have to be all defensive.","start":1677.2699,"end":1685.0499,"sentiment":"neutral","sentiment_score":0.06398977251613841},{"text":"But, yeah, I probably am happy to go with the growth as opposed to the high growth, if that makes sense.","start":1685.2699,"end":1694.8251,"sentiment":"neutral","sentiment_score":0.25223490028154283},{"text":"Yep.","start":1751.37,"end":1751.7699,"sentiment":"neutral","sentiment_score":0.1753949373960495},{"text":"Sounds good.","start":1751.7699,"end":1752.6699,"sentiment":"positive","sentiment_score":0.4327182024717331}],"sentiment":"neutral","sentiment_score":0.1751319180840432,"num_words":67,"start":1667.425,"end":1752.6699},{"sentences":[{"text":"No.","start":1779.64,"end":1780.04,"sentiment":"neutral","sentiment_score":-0.058999691158533096},{"text":"You're alright.","start":1780.04,"end":1780.78,"sentiment":"neutral","sentiment_score":-0.015786994248628616},{"text":"I don't have any questions at the moment, but I am not also going to like, I'm happy to call you if I've got queries or if anything if anything goes crazy, I'm sure you guys will let me know.","start":1781.16,"end":1795.715,"sentiment":"neutral","sentiment_score":0.12198723568581045},{"text":"Bye.","start":1796.8949,"end":1797.3949,"sentiment":"positive","sentiment_score":0.3666693866252899},{"text":"For sure.","start":1839.47,"end":1840.11,"sentiment":"neutral","sentiment_score":0.15254636853933334}],"sentiment":"neutral","sentiment_score":0.11871038851044748,"num_words":46,"start":1779.64,"end":1840.11},{"sentences":[{"text":"I've got no problem with having a six month catch up, although there are times where I'm hard to catch because I've got a very busy life.","start":1840.11,"end":1850.965,"sentiment":"neutral","sentiment_score":0.031116733534468546},{"text":"So but yes.","start":1851.745,"end":1852.545,"sentiment":"neutral","sentiment_score":0.04559118797381719},{"text":"No.","start":1852.545,"end":1852.785,"sentiment":"neutral","sentiment_score":-0.004947155714035034},{"text":"Six monthly is fine.","start":1852.785,"end":1855.96,"sentiment":"neutral","sentiment_score":0.061345482245087624},{"text":"Yep.","start":1882.0599,"end":1882.5599,"sentiment":"neutral","sentiment_score":0.0979616641998291}],"sentiment":"neutral","sentiment_score":0.03653671685606241,"num_words":36,"start":1840.11,"end":1882.5599},{"sentences":[{"text":"That's fine.","start":1882.78,"end":1883.6,"sentiment":"neutral","sentiment_score":0.18944766372442245},{"text":"Oh, my.","start":1889.1799,"end":1889.92,"sentiment":"neutral","sentiment_score":-0.08426013588905334},{"text":"I can have a quick check.","start":1918.7749,"end":1920.475,"sentiment":"neutral","sentiment_score":0.058731661488612495},{"text":"I'll have a quick look and see what it should be.","start":1922.375,"end":1927.595,"sentiment":"neutral","sentiment_score":0.06429261087693951},{"text":"Sorry.","start":1928.0549,"end":1928.5349,"sentiment":"neutral","sentiment_score":-0.022912129759788513}],"sentiment":"neutral","sentiment_score":0.05668507338586179,"num_words":22,"start":1882.78,"end":1928.5349},{"sentences":[{"text":"Just give me a second.","start":1928.5349,"end":1929.6749,"sentiment":"neutral","sentiment_score":0.004051135387271643},{"text":"Where are we?","start":1932.82,"end":1933.72,"sentiment":"neutral","sentiment_score":0.002629887002209822},{"text":"So my take home at this stage is about 1,700 a fortnight.","start":1938.4199,"end":1944.2,"sentiment":"neutral","sentiment_score":0.03076643900324901},{"text":"Yep.","start":1965.5299,"end":1966.0299,"sentiment":"neutral","sentiment_score":0.16930261254310608},{"text":"I'm happy for the like, to stay at that for the moment, but maybe next time we patch up, it might be worth looking at.","start":1980.4249,"end":1988.9801,"sentiment":"neutral","sentiment_score":0.2951566809415817}],"sentiment":"neutral","sentiment_score":0.17272961395792663,"num_words":46,"start":1928.5349,"end":1988.9801},{"sentences":[{"text":"To be honest, I haven't really thought too much about it.","start":2032.31,"end":2035.21,"sentiment":"neutral","sentiment_score":-0.07842393050139601},{"text":"I had yeah.","start":2035.59,"end":2038.01,"sentiment":"neutral","sentiment_score":-0.05195626989006996},{"text":"But I just haven't thought much about it if I'm being completely honest.","start":2038.15,"end":2041.53,"sentiment":"neutral","sentiment_score":-0.09636017680168152},{"text":"So I'm happy for you to if you can if you can say something that's gonna help, then let me know, and we'll see if we can go ahead with it or if I don't feel comfortable or whatever.","start":2044.63,"end":2056.185,"sentiment":"neutral","sentiment_score":0.05961347734316801},{"text":"Just let me know, and I will we can see how we go.","start":2056.185,"end":2059.165,"sentiment":"neutral","sentiment_score":0.12311364137209378}],"sentiment":"neutral","sentiment_score":0.020939096336877797,"num_words":79,"start":2032.31,"end":2059.165},{"sentences":[{"text":"Sounds great.","start":2092.91,"end":2093.73,"sentiment":"positive","sentiment_score":0.6046026349067688},{"text":"I that was my sort of best guess.","start":2112.22,"end":2115.92,"sentiment":"neutral","sentiment_score":-0.01815094822086394},{"text":"We've still got the same true cars.","start":2115.98,"end":2117.66,"sentiment":"neutral","sentiment_score":-0.00033103421862636296},{"text":"Although, one of the things that we're looking at at in the near future is we've finished paying off my ute.","start":2117.66,"end":2125.325,"sentiment":"neutral","sentiment_score":-0.02241464365007622},{"text":"So we're potentially looking at getting another new car sometime in the future.","start":2125.325,"end":2129.565,"sentiment":"neutral","sentiment_score":-0.01969886041031434}],"sentiment":"neutral","sentiment_score":0.00656642632412852,"num_words":51,"start":2092.91,"end":2129.565},{"sentences":[{"text":"I don't know when, but it might change then.","start":2129.565,"end":2133.505,"sentiment":"neutral","sentiment_score":-0.035845407388276525},{"text":"But at the moment, it's still the same two vehicles.","start":2133.885,"end":2136.305,"sentiment":"neutral","sentiment_score":-0.00027903956361114926},{"text":"Well, with with the way that we're doing our renovations, we actually got money from the bank to sit there so that we could get the renovations done.","start":2148.6,"end":2161.675,"sentiment":"neutral","sentiment_score":0.0311241330179785},{"text":"So we've actually got 90 ish thousand in the bank at the moment.","start":2161.675,"end":2167.9,"sentiment":"neutral","sentiment_score":0.04072887378816421},{"text":"But, yeah, it could be used for the renovations, but the renovations we're looking at doing aren't anywhere near that at the moment.","start":2169.72,"end":2176.92,"sentiment":"neutral","sentiment_score":-0.0023763149004915485}],"sentiment":"neutral","sentiment_score":0.012299961191658155,"num_words":83,"start":2129.565,"end":2176.92},{"sentences":[{"text":"And I'm quite happy about the interest it's gaining because they've got so much in the account.","start":2176.92,"end":2182.985,"sentiment":"neutral","sentiment_score":0.23913612698807435},{"text":"So Not that I no.","start":2182.985,"end":2199.0798,"sentiment":"neutral","sentiment_score":-0.007771819084882736},{"text":"There's nothing we haven't got a credit card or anything like that.","start":2199.0798,"end":2202.405,"sentiment":"neutral","sentiment_score":-0.049826527324815593},{"text":"So I'm a wife.","start":2207.205,"end":2241.24,"sentiment":"neutral","sentiment_score":0.11745351925492287},{"text":"Yes.","start":2244.44,"end":2244.94,"sentiment":"neutral","sentiment_score":0.1259690225124359}],"sentiment":"neutral","sentiment_score":0.10318768807710746,"num_words":39,"start":2176.92,"end":2244.94},{"sentences":[{"text":"Yep.","start":2245.0,"end":2245.5,"sentiment":"neutral","sentiment_score":0.15415343642234802},{"text":"Yep.","start":2284.1648,"end":2284.6648,"sentiment":"neutral","sentiment_score":0.2706202566623688},{"text":"I'm happy to note down Michelle as my beneficiary.","start":2284.9648,"end":2288.7449,"sentiment":"positive","sentiment_score":0.4190853519572152},{"text":"Yeah.","start":2305.78,"end":2306.18,"sentiment":"neutral","sentiment_score":0.28562718629837036},{"text":"I'm happy to send it out.","start":2306.18,"end":2307.675,"sentiment":"positive","sentiment_score":0.48989314834276837}],"sentiment":"positive","sentiment_score":0.41230710761414635,"num_words":18,"start":2245.0,"end":2307.675},{"sentences":[{"text":"I unfortunately have been in Slack at times, but I'll do my best, do my best to get back to you as quick as possible.","start":2308.475,"end":2319.5352,"sentiment":"neutral","sentiment_score":-0.05559846602380276},{"text":"Beautiful.","start":2329.99,"end":2330.49,"sentiment":"neutral","sentiment_score":0.11368026584386826},{"text":"No.","start":2335.19,"end":2335.35,"sentiment":"neutral","sentiment_score":-0.029597889631986615},{"text":"That's fine.","start":2335.35,"end":2335.935,"sentiment":"neutral","sentiment_score":0.04575038701295853},{"text":"I can put in the relevant details and stuff like that, I think.","start":2335.935,"end":2340.435,"sentiment":"neutral","sentiment_score":0.04668237426533149}],"sentiment":"neutral","sentiment_score":-0.014464467497808593,"num_words":42,"start":2308.475,"end":2340.435},{"sentences":[{"text":"We've been talking about doing our wills for each other for the last ten years, but we actually haven't done it yet.","start":2350.46,"end":2357.7598,"sentiment":"neutral","sentiment_score":0.013883636121384123},{"text":"No obligation.","start":2384.41,"end":2385.23,"sentiment":"neutral","sentiment_score":0.038132921792566776},{"text":"Sort of deals looked up.","start":2385.6099,"end":2387.2898,"sentiment":"neutral","sentiment_score":0.04734242185950279},{"text":"Yep.","start":2387.2898,"end":2387.6099,"sentiment":"neutral","sentiment_score":0.22011467814445496},{"text":"That sounds fine.","start":2387.6099,"end":2388.67,"sentiment":"positive","sentiment_score":0.3419349193572998}],"sentiment":"neutral","sentiment_score":0.056495072235437954,"num_words":33,"start":2350.46,"end":2388.67},{"sentences":[{"text":"Yep.","start":2417.75,"end":2418.25,"sentiment":"neutral","sentiment_score":0.305112361907959},{"text":"No.","start":2428.085,"end":2428.585,"sentiment":"neutral","sentiment_score":-0.0402497723698616},{"text":"No.","start":2436.02,"end":2436.42,"sentiment":"neutral","sentiment_score":-0.08793032914400101},{"text":"We we sort of we talked about it and then we didn't talk about it and it never actually eventuated.","start":2436.42,"end":2442.12,"sentiment":"neutral","sentiment_score":-0.08240553587675095},{"text":"So we're currently just a public system at the moment.","start":2442.34,"end":2445.17,"sentiment":"neutral","sentiment_score":-0.08285700380802155}],"sentiment":"neutral","sentiment_score":-0.06968934834003448,"num_words":33,"start":2417.75,"end":2445.17},{"sentences":[{"text":"Yep.","start":2485.0852,"end":2485.165,"sentiment":"neutral","sentiment_score":0.012767254374921322},{"text":"Yep.","start":2485.165,"end":2485.665,"sentiment":"neutral","sentiment_score":-0.006887108087539673},{"text":"Well, it's a long time to try and get right.","start":2490.46,"end":2495.04,"sentiment":"neutral","sentiment_score":-0.17699278891086578},{"text":"I I yeah.","start":2550.685,"end":2554.445,"sentiment":"neutral","sentiment_score":-0.08616545796394348},{"text":"I don't really have a preference at this stage.","start":2554.445,"end":2556.365,"sentiment":"neutral","sentiment_score":-0.20421772367424434}],"sentiment":"neutral","sentiment_score":-0.16085431790755442,"num_words":24,"start":2485.0852,"end":2556.365},{"sentences":[{"text":"It's the reason I was happy to jump on with you guys is that, yeah, I was happy to have you guys sorta use your wisdom.","start":2556.365,"end":2566.17,"sentiment":"positive","sentiment_score":0.3458778845289579},{"text":"So Yes.","start":2566.7898,"end":2614.5352,"sentiment":"neutral","sentiment_score":0.22823326289653778},{"text":"That sounds good.","start":2614.835,"end":2615.895,"sentiment":"positive","sentiment_score":0.7063650091489156},{"text":"Yep.","start":2634.355,"end":2634.855,"sentiment":"neutral","sentiment_score":0.09685444831848145},{"text":"No.","start":2666.4949,"end":2666.9949,"sentiment":"neutral","sentiment_score":-0.07795733958482742}],"sentiment":"positive","sentiment_score":0.3511298078704964,"num_words":33,"start":2556.365,"end":2666.9949},{"sentences":[{"text":"Yeah.","start":2694.345,"end":2694.845,"sentiment":"neutral","sentiment_score":0.14928899705410004},{"text":"No.","start":2720.125,"end":2720.4448,"sentiment":"neutral","sentiment_score":-0.2214903086423874},{"text":"Not at the moment.","start":2720.4448,"end":2721.345,"sentiment":"neutral","sentiment_score":-0.2997732162475586},{"text":"Not that instantly leaves someone.","start":2728.8599,"end":2731.0999,"sentiment":"neutral","sentiment_score":-0.17047148048877717},{"text":"As I said, I'm happy to call you if I think of something.","start":2731.0999,"end":2734.4,"sentiment":"neutral","sentiment_score":0.18007721522679696}],"sentiment":"neutral","sentiment_score":0.009056342455248037,"num_words":24,"start":2694.345,"end":2734.4},{"sentences":[{"text":"Sounds good.","start":2756.1301,"end":2756.95,"sentiment":"positive","sentiment_score":0.7061109840869904},{"text":"Not working.","start":2764.7048,"end":2765.265,"sentiment":"neutral","sentiment_score":-0.2671584039926529},{"text":"No.","start":2765.265,"end":2765.607,"sentiment":"neutral","sentiment_score":-0.14429685473442078},{"text":"Hey.","start":2769.847,"end":2770.2468,"sentiment":"neutral","sentiment_score":0.16811010241508484},{"text":"I'm fine.","start":2770.2468,"end":2770.9868,"sentiment":"neutral","sentiment_score":0.2726942002773285}],"sentiment":"neutral","sentiment_score":0.1808883510529995,"num_words":8,"start":2756.1301,"end":2770.9868}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Good hi, Christopher. This is Dana from OT Financial. How are you this afternoon?\n\nChannel 1: Yeah. Not too bad. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in to go through your annual review today. Isn't that still a good time there for you?\n\nChannel 1: Yeah. It's fine. It doesn't take heaps long, does it?\n\nChannel 0: Normally, it takes about half an hour to kinda go through depending on what we touch base on, the things, look at your goals, be it a few circumstances, different things like that.\n\nChannel 1: That's fine.\n\nChannel 0: That's okay. I can sort of try to make it a little bit faster if if you'd like just to touch on the things we need to. So it just all depends on how how quickly go through everything for you. That's\n\nChannel 1: Yeah.\n\nChannel 0: all. Is that now still okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Beautiful. All good. Before we jump into the call there, Christopher, just to let you know, I do recall these calls with quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And just to do a quick security check there for you. So just to confirm, your full name, your date of birth, and address I should have on file?\n\nChannel 1: My name is Christopher John Thompson. My date of birth\n\nChannel 0: Yep.\n\nChannel 1: is the 12/02/1983. My\n\nChannel 0: Yep.\n\nChannel 1: residential address is 19 Gloucester Crescent, Darling Heights, Toowoomba, Queensland 4350.\n\nChannel 0: Beautiful. Thank you so much for that. Appreciate it. Now I normally do send through some annual review documents to kinda go through with you as part of the review. Are you able to access your emails?\n\nIf you can't, that's okay. I can go through things for you.\n\nChannel 1: I should be able to get by the email.\n\nChannel 0: Yes. Beautiful. I'm just going to send it through to you there now. Beautiful. Okay.\n\nIt just told me it's sent. Hopefully, the Internet locks the same. It comes through to you nice and quickly. Yeah. Fantastic.\n\nChannel 1: Uh-huh. Yep. It's here.\n\nChannel 0: Excellent. So with that one there, to make it yeah. You do have a little button that says sign here, and if you press that button, it'll take you through to review the documents. But the documents that I do kinda wanna review with you are actually set as attachments. So if you look below, there should be a couple of attachments there, and one of those will be your superannuation summary of insurance as a super.\n\nChannel 1: Yep. Super summary.\n\nChannel 0: That's the one. Yeah. So if you can open up that one for me, that would be fantastic.\n\nChannel 1: Uh-huh.\n\nChannel 0: Is that opening for you?\n\nChannel 1: Yeah. It says it is. Yep. Summary of superannuation.\n\nChannel 0: Yep. Beautiful. Thank you so much for that. So just having a look back at your annual review, the last review we were able to do, I know your balance then was about $86,003.83. So having a look at your balance as of the July 27, these documents were prepared just a couple of weeks back there.\n\nYour balance then was sitting at a $106,852.53. Looking at your super balance today, you're sitting at a $109,545.89 there. So you have had a bit more growth since we prepared these documents, which is fantastic.\n\nChannel 1: Beautiful.\n\nChannel 0: Excellent. Now underneath that, it does look like you don't really have any kind of insurances like personal protection, life, PVD, income protection, trauma. Has anyone kinda gone through and spoken to you about those sorts of insurances, what they are, how they can benefit you, or if you wanna look at getting anything like that?\n\nChannel 1: I've spoken to someone about it before. I just haven't\n\nChannel 0: Yeah.\n\nChannel 1: gone too far with that. I've got I have got life insurance for I've got well, yeah, life insurance. So I've got it's\n\nChannel 0: Yep.\n\nChannel 1: a refund call. So\n\nChannel 0: Okay. And paid sort of out of your back pocket or personally?\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Beautiful. How much are you covered for with that life insurance policy?\n\nChannel 1: Good question. It's been a while since I've talked about it. It was, I think, 200,000 because that was the amount to be able to pay out my mortgage.\n\nChannel 0: Okay. Perfect. So you've got it this is the base of covering your mortgage just in the event that something was to happen.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Beautiful. Excellent. Well, I mean, looking at the way the life insurance is structured, you've got that solely for the purpose of paying out the mortgage. I'm just having a look at your current scenario here.\n\nOn the last background, we had noted your mortgage was sitting at 161,000. Do you have you reduced that a bit since you last sort of spoke to us at all?\n\nChannel 1: We actually drew on it to do some renovations to the house in the near future. So\n\nChannel 0: Okay.\n\nChannel 1: I can give you an exact amount that we owe at the moment.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: If you do you want that?\n\nChannel 0: Yeah. If you've got it, if you have an exact absolutely. If you can't find the exact system approximate, it's fine.\n\nChannel 1: Come on. The exact amount, once it loads,\n\nChannel 0: Yeah. You're right.\n\nChannel 1: is $203,503 and 30\n\nChannel 0: Okay.\n\nChannel 1: 2¢.\n\nChannel 0: Beautiful. Thank you for updating that there. So, realistically, when you think about your life cover, your 200,000 basically almost covers the mortgage there. And then if you were to then pass away, your physical balance is also paid at your beneficiaries, which could provide an additional kind of boost there. With your income, you we had you on about 40,000.\n\nIs that the same, or have you got an increase since the last quarter?\n\nChannel 1: I'm not entirely sure the exact amount. It it had gone up slightly, so it\n\nChannel 0: Yep.\n\nChannel 1: it's still not great. Each rate just don't get paid much.\n\nChannel 0: Sorry. You just add molding. That's official.\n\nChannel 1: So, yeah, but, yeah, it it will be slightly more, but I'm not sure not sure of the exact figure.\n\nChannel 0: Yeah. No. That's okay. All good. I mean, realistically, looking at sort of the insurance side of things, we're just kinda relating it back to your your life situation currently.\n\nIf you were to then pass away, the Suncorp cover pays out the mortgage for you, and then your super benefit based on your current amount covers your income based on, say, 40,000 for almost three years, essentially. So a little under three years, actually, is seven months realistically. Do you think that's a fairly okay level of cover? Did you wanna look at maybe getting some additional life insurance, or are you sort of happy to support you've got at the moment?\n\nChannel 1: At this stage, I'm happy like, I probably will look into it in the notches\n\nChannel 0: Mhmm.\n\nChannel 1: in the future, but I'm fine for the moment.\n\nChannel 0: Yep.\n\nChannel 1: I don't\n\nChannel 0: That's\n\nChannel 1: anticipate\n\nChannel 0: okay.\n\nChannel 1: disappearing\n\nChannel 0: You're\n\nChannel 1: anytime\n\nChannel 0: right.\n\nChannel 1: soon.\n\nChannel 0: No. That's okay. All good. And thinking about other types of cover like disability insurance, income protection, and trauma, do you feel like you would wanna look at maybe getting some of that now or sort of hold up until down the track when you feel it's appropriate for you? What's your thoughts there?\n\nChannel 1: I'll probably just hold off. When I do a review of my life insurance and stuff like that, I'll probably look at it all then,\n\nChannel 0: Yep.\n\nChannel 1: go through and have that. But the thing that is my income protection, I really don't get paid much. So it's, yeah, not a hugely important thing. My wife's got my wife earns a lot more than I do. So\n\nChannel 0: Yeah. So, realistically, if you weren't able to work in the short term, her income would still be fairly sufficient to cover the expenditure?\n\nChannel 1: yeah.\n\nChannel 0: Yep. That's okay. Do you have any kind of long service leave, sick leave, or annual leave that you could also fall back on if you were off work in a short term?\n\nChannel 1: No. Not much now. No.\n\nChannel 0: Yep.\n\nChannel 1: Alright.\n\nChannel 0: That's okay.\n\nChannel 1: Soon, I don't think like, soon so I've been working with Education Queensland for six years now, so it wouldn't be too far off having some long service leave, I guess.\n\nChannel 0: Yeah. Absolutely. Yeah. Definitely. Excellent.\n\nAll good. Perfect. Well, I mean, income protection, so it doesn't look like it's more one of those things. The main sort of thing I'd be sort of looking at with you is probably PDD, total permanent incapacity. It's more about if you're never able to go back to work again, how you sort of look after yourself.\n\nOne of the biggest things that I sort of focus on with TBD is that if you're not able to go back to work again, there's a cost of covering your income for a certain period of time. But then then because you are still so young, a lot of people who are currently disabled have to make modifications to their house, buy new cars, pay for rehabilitation support, and things like that. So there are other costs to sort of think about when comes to permanent incapacity or total permanent disability. But when and if you are ready to have that kind of conversation, let me know. I'm more than happy to make time to talk about what your goals are, what's important to you, what kind of level of cover you might need and or want, and what the cost and how it can be structured to sort of help you along.\n\nOkay.\n\nChannel 1: Yep.\n\nChannel 0: Easy. Beautiful. When you do think about your super goal wise, I'm just sort of going back to your last day review. We had noted, I believe you were hoping to be able to access super oh, sorry. It's a bit longer back.\n\nAround about sort of sixty to sixty five months, does that ring a bell, and does that still sound fairly appropriate for you?\n\nChannel 1: Yeah. After that, whatever. For the time I get there, the retirement age will be 80, but, yeah, sometime around that point.\n\nChannel 0: Yeah. I really hope it's not 80 because I'm the same age as you, so I'd like to retire at 60. I would hate to get to 60 and then tell have them tell us we're gonna work another twenty years. We will have worked\n\nChannel 1: You know,\n\nChannel 0: now.\n\nChannel 1: it's it's slowly creeping up. It's now 67. So\n\nChannel 0: Well, I can actually give you some good news. So the age 67 mark, that is for the eligibility for the age pension through Centrelink. But when it comes to your super, you can actually access super at the age of 60. If you fully retire and or stop working with the intention to retire fully, you can access your super wholly tax free, take it as a lump sum or an income stream. Sixty five, they'll let you have it regardless of whether you're working or not.\n\nAnd 67, if you're eligible, you can access the age pension through Centrelink. So you really don't have to work as long as you think you do if you don't wanna.\n\nChannel 1: Well, ultimately, it'll depend on how much money I have for, like, a built up retirement. I won't want to retire until I can live comfortably enough to get by, so depends on how.\n\nChannel 0: Mhmm.\n\nChannel 1: But the way I was always explained that the what it's like the super, it'll\n\nChannel 0: Mhmm.\n\nChannel 1: it starts off slower and gets more the longer you go along. So you'll be getting oh, like, at the moment, I'm only a 100,000, which is not gonna cover me for anything.\n\nChannel 0: Yeah.\n\nChannel 1: So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, hopefully, by the time I'm 60, I'll have a bit more there.\n\nChannel 0: Absolutely. And that's sort of what I wanted to look at things for you today. So this year has been a little bit up and down in the markets there. There have definitely been some volatility, and I kind of had a look at your super beforehand. I'm gonna go through the report with you in a minute, but I found some areas that we could probably make some improvements on your super because your portfolio is very much older.\n\nYou've kinda been on board since 2021 there, and your your super you know, portfolio hasn't really changed or evolved much in that time. So I did have a really good look at things before we came on the call. And, realistically, I definitely like to make some changes to your super if you're comfortable with me doing so, and I'll go through sort of what I'm thinking there. But, look, in all honesty, you're not wrong. What you sort of said there about the way super grows and how it works is absolutely correct.\n\nLike, if you think about someone with receiving a 5% return and their balance is super 50,000, they're essentially making $2,500, whereas someone with that same 5% return on a $500,000 balance is about 25,000. So the idea is we start off with a lower balance. We'll have it out to get our super up to about 200,000. And then once you get over that 200 to $2.50 mark, you sort of start to see the compounding effect much greater, and your suit\n\nChannel 1: Yeah.\n\nChannel 0: balance tends to start working a bit a bit better from there. So you are absolutely correct in the way that works. It just feels like we work forever to get our suit balance up that high, so I understand\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: Alright.\n\nChannel 0: But now look. Let's go through your paper because this year has been a little bit volatile, and I'm very upfront and honest with you. We've had some great returns, and the last year has had much of a lower rate of return. So I have kind of wanted to go back and have a little bit of a look at the super, maybe update your portfolio to make sure that things are working a bit harder for you for the next couple of months. In that email, there's a document in there.\n\nIt should say asset performance detail or portfolio report. Can you see that attachment there at all?\n\nChannel 1: Give me a sec. I've gotta go back through and find it.\n\nChannel 0: Oh, sorry.\n\nChannel 1: No. You're good. Uh-huh. So it's the Netwealth asset performance detail.\n\nChannel 0: That's the one. Yeah. Perfect.\n\nChannel 1: Okay. It's just opening. Check\n\nChannel 0: Yep.\n\nChannel 1: it's just\n\nChannel 0: That's\n\nChannel 1: going\n\nChannel 0: okay.\n\nChannel 1: slow. Yep.\n\nChannel 0: No.\n\nChannel 1: Okay.\n\nChannel 0: That's understandable. Beautiful. Now the front page\n\nChannel 1: It's\n\nChannel 0: here\n\nChannel 1: open.\n\nChannel 0: basically goes through for the last twelve months and essentially looks at all the individual investments that you do have within your portfolio currently. This is based on the what sort of happens from July to July because that's on these documents to prepare that. But there's not a great deal of change. We have seen a little bit more since then. So in the last probably month, we've seen about a few a two to 3% increase in the market and in your portfolio, which has been really good to see.\n\nBut, realistically, one of the things we had better with the volatility and everything that's been going on this year is that markets have been a bit up and down, and it's definitely had a bit of an effect on everyone in their portfolios there. The other thing that really affected your portfolio this year was the Bennelong Estate equities investment that you've got there or did have. We've actually removed that from your portfolio. So earlier this year, we had sort of notice that that was underperforming significantly. To kinda give you a run through on that along, that is an actively managed fund.\n\nSo the investment manager within the fund there is supposed to be trying to pick and find the market, choose investments, and choose when to buy into those investments. And they must be trying to outperform against the market, essentially. They haven't been able to do that. They've had some underlying issues within the investment. So we flagged this in March that that was an issue, and we had sent through a record of advice and email to you back then to let you know that we were pulling that out of your portfolio.\n\nDid you remember receiving that email at all in March?\n\nChannel 1: Begley.\n\nChannel 0: That's okay. It is a few months ago now. It's all good. Yes. Now our investment committee had flagged.\n\nThat investment was underperforming. We wanted to remove that quickly, so we did send a record of advice out to everyone to try and remove that from the investment portfolios ASAP. It did, unfortunately, mean that there was some losses received. We had to cement those, but we've put you into the investment below that, which is the beta shares a 200. That investment is actually giving you broader diversification.\n\nSo instead of having 15 or 25 different companies within the Benelon Fund, you now have exposed the top 200 companies on the ASX. So it is giving you a lot more diversification, which is helping to lower your risk profile. It is more of a passively managed fund, so it is also cheaper, which means more money stays invested in your super for you. But it has sort of meant that the market, with the ups and downs and also Venlo having a bit of an effect there, that your portfolio hasn't returned what we sort of have liked it to return for this year.\n\nChannel 1: Yeah.\n\nChannel 0: Since moving the a 200 in there, it has grown by about 2.92%. So it is good. We have seen recovery back from that, but there is still a little bit of a recovery period to have from the Better Long investment being down. So I'm just letting you know, open and honest, that the markets haven't performed the way we want them to. Your performance is definitely lower than where we would like it to be this year, but I wanna go back and just review your investments because you are in an older portfolio.\n\nThese investments haven't really been restructured or looked at in the past few years, and it is time to maybe update the portfolio to make sure that your your super is working a little bit harder for you. Do you have any questions, and are you comfortable with me doing that?\n\nChannel 1: Yeah. I've always been wanted I'm happy to play a little bit more conservative because you hear the stories of people who, yeah, they've had really high gain things, and then they lose it all and get, like, yeah. So I've always been a little bit more on the conservative side.\n\nChannel 0: Yep.\n\nChannel 1: I'm happy to go with, like, the best judgment on what's gonna get me a satisfactory amount that's safe?\n\nChannel 0: Yeah.\n\nChannel 1: Or as well, as safe as it can be. I know that there's inherent risk. There's a or\n\nChannel 0: Yeah.\n\nChannel 1: or inherent risk and everything, but,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, mitigated risk is much better for me, I think.\n\nChannel 0: Yeah. No. Absolutely. That's understandable. So from what I can sort of see here, I'll go back and kinda review your portfolio a little bit.\n\nBut I definitely maybe wanted to look at doing a bit of a risk profile questionnaire as well just to sort of see where you are sitting, because you did kinda mention to me that you are more of a conservative sort of person. When I sort of had a look back at your super, it looks like you might be in kind of that growth or high growth space. When we first signed you up on in 2021, I know they recommended more of a high growth portfolio. And it looks like you've probably maintained most of that kind of high growth sort of asset allocation.\n\nChannel 1: Yeah.\n\nChannel 0: There's nothing wrong with that for your agent stays. That high growth environment, you are taking a bit more risk. You're generally seeing about 90% invested in equity markets with a bit of, you know, commodities like gold and silver, and then still having about 10% defensive there. We do expect the likelihood of a negative year, probably one in every five years for this kind of environment. And with the risk profile, you're kind of expecting an average rate of return of eight to 10%.\n\nIn saying that, with the kind of volatility that can be seen from this high growth environment, it could be plus or minus extra 14%. So from that 10%, at a good year, you can have it extra at 14% added on there, like, with the when the markets are doing well, see really good gains. However, when the years are quite negative from that expected 8%, you can always expect a low of 14% less than that which puts you into the negative. So, realistically, it's about taking on the level of risk that you're comfortable with.\n\nChannel 1: Yeah.\n\nChannel 0: But just because you're younger doesn't mean you have to take more risk. There are other things that can be done. I can see you're also making additional contributions to Super as well, and that can if you are wanting to be more conservative, adding more money into super can kind of help to mitigate the risk and close the gap a bit because you're investing more regularly and increasing the amount you're contributing. So that can also have a really good factor there for you. With with that, I just wanted to run through just a couple of questions to kinda gauge where your risk profiling might sort of fit for the moment.\n\nChannel 1: Yep.\n\nChannel 0: Just the first one here is have you ever invested in equity markets in your own name? Do you own any shares or cryptocurrency or anything?\n\nChannel 1: No. Although in hindsight, I should have gotten to that a number of years ago, but no.\n\nChannel 0: No. That's okay. That's a beautiful thing, isn't it? I've ticked the box to say you've got a bit of time. You can't actually access it because at the age of 60, so, realistically, you have longer than ten years ahead of you before accessing them.\n\nChannel 1: Yeah.\n\nChannel 0: The next the next question here is about inflation, and it says inflation means that things are getting more expensive over time, which makes your money worth less. The question is when you think about your super, are you comfortable taking on a higher level of risk to try and get those greater returns? Are you comfortable taking on a moderate or medium amount of risk to get those higher returns or average returns? Or are you not comfortable with risk in the market knowing the returns are lower? Where do you sort of sit on that scale?\n\nAnd you can go in between if you like.\n\nChannel 1: I'd probably be in the middle somewhere. Like, I don't\n\nChannel 0: Mhmm.\n\nChannel 1: mind taking some risks, but I don't want to get into a position where I lose half my super. So I'm I'm sort of in the middle. I don't mind some risk, but I don't want complete risk, I guess.\n\nChannel 0: Mhmm. Yeah. No. That's okay. That's not a problem at all.\n\nThe next one here is how would you feel if you saw your super fall by 20% due to external market factors in, say, the next one to two years? Do you think you'd be wanting to take advantage of the market dip and put a bit of money into the market? Are you likely to hold and wait and speak to us and see what we suggest to do, or are you feeling a bit concerned about the markets and maybe wanting to sell the investments to cash?\n\nChannel 1: Oh, I probably am happy to you guys have done a pretty good job so far, so I'm happy to go with your best judgment or best recommendations at this stage.\n\nChannel 0: Yep. Yep. Beautiful. Excellent. And the last one here is seeing a super full in value, how does that make you feel?\n\nAre you feeling optimistic about the investment opportunities ahead? Are you cautious, concerned, or feeling a bit anxious knowing you're looking at the super balance having dropped?\n\nChannel 1: I won't be happy about it, but\n\nChannel 0: Mhmm.\n\nChannel 1: it's one of well, as I said, it's one of those things that has inherent risk. So I would be disappointed if I saw a significant drop. But,\n\nChannel 0: Mhmm.\n\nChannel 1: yeah, it I'm not going to panic sell and all that\n\nChannel 0: Yeah.\n\nChannel 1: stuff either. So\n\nChannel 0: Yep. That's perfect. Excellent. And the last one here is have you ever thought about borrowing to invest in shares or manage funds, or would you only ever borrow for, say, an investment property or just comfortable having borrowed for your own property that you live in?\n\nChannel 1: If in a position, I I might consider other options. But at the moment, I'm just\n\nChannel 0: Yep.\n\nChannel 1: happy to have my house and do the renovations I need to get it fixed up. So\n\nChannel 0: Yep.\n\nChannel 1: it's something that I'd consider down the line, but it's not something that's necessarily on the horizon. That's something I'd consider\n\nChannel 0: Yep.\n\nChannel 1: down the track.\n\nChannel 0: Yeah. That's absolutely fine. Not a problem. Well, thank you so much for answering those questions. Now where you have scored is in that kind of a growth environment there.\n\nSo, realistically, that sees us drop the risk level from high growth to growth. So you have about 80% in those, like, equity market sort of areas that are high risk investments that see greater potential returns, but, you know, also tend to see the volatility as well. And then we sort of have that 20% in low risk defensive investments, the cash bonds and fixed interest. That growth kinda area is expecting a return of around about seven to 9% compounded. We still can expect the likely likelihood of a negative 10, kind of one in every five years.\n\nThat growth environment suits someone who's not accessing their funds for about six years. And with the expected volatility, we kind of expect a plus or minus around about 11%. So from that nine percent in a good year, you could see an extra 11% on top of that. In a bad year, from the 7% down, we could also see it if of up to 11%, the other side of things. Do you kinda feel comfortable being in that growth kind of environment, or would you wanna be more high growth?\n\nHow do you sort of feel, and where do you think you fit?\n\nChannel 1: I'm I think I'm probably, like I I like the high growth, but as long as it's not too big a risk. And, see, I'm not\n\nChannel 0: Mhmm.\n\nChannel 1: I don't I don't have the knowledge or skills that you have. And\n\nChannel 0: Yeah.\n\nChannel 1: so I'm happy to help you go have you guys invest\n\nChannel 0: Mhmm.\n\nChannel 1: wisely on\n\nChannel 0: Yep.\n\nChannel 1: my behalf.\n\nChannel 0: Yep. That's okay. Looking at where you're sort of talking to me about and I'll go back and double check sort of what your exposure looks like in the market at the moment, whether you are growth or more that high growth because I can see conflicting information in the past of our note fee. But, essentially, what I'll do with what I'm sort of thinking, you've kind of made mention to me that you do feel a bit more on that conservative side of things. And, realistically, for your age and stage, being in that growth environment is honestly absolutely fine.\n\nNormally, for someone of our age, they're either in that high growth environment or that growth environment. If you just feel like you want a little bit more not so much safer, but little bit more of that low risk effect, having 20% defensive is absolutely fine. Do you sort of think you'd like to be in that middle kind of area growth environment for a little bit longer? We sort of sit there for the time being. Look at your comfort level moving forward, and then if you feel comfortable to induce the increase the risk level, then we can kinda take that leap down the track.\n\nDoes that feel more comfortable to you? Yep.\n\nChannel 1: For me, I probably I wouldn't go into the high risk one. I just I don't think that's a wise choice for me. I'm happy to stay in the growth area.\n\nChannel 0: Yep.\n\nChannel 1: I did when we first signed up, I did say the high growth because when I first signed up, I had, like despite having worked since I was 12, I had, like, 50,000\n\nChannel 0: Yeah.\n\nChannel 1: dollars or something there. And so I thought, no. That's\n\nChannel 0: Yeah.\n\nChannel 1: not gonna be cutting it. So I did\n\nChannel 0: Yeah.\n\nChannel 1: say the high growth sort of thing when I first started, but\n\nChannel 0: Yeah.\n\nChannel 1: I'm still happy to be in sort of a growth area. I don't mind the bit of risk, so I don't it doesn't have to be all defensive. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I probably am happy to go with the growth as opposed to the high growth, if that makes sense.\n\nChannel 0: Yes. That's absolutely fine. That's not a problem. I'll go back and look at your super, do some research around it. I can even have a look at the Netwealth Fund and see if maybe there's any benefit to switching to another super fund if you're comfortable with me doing so.\n\nI can look at all the options, look at where things are tracking for you, look at, you know, the cost of everything. I also do look at the CGT side of it because your super fund, like, you actually pay income and capital gains that. So whenever I am switching investments or switching funds, I look at the consequences, what that looks like for you, how long it takes to kinda make that money back without additional growth, things like that. So if you're comfortable, I can have a look at everything, see how it's all tracking, and how we can put you in a better position and reassess the super and also the investments to kind of make sure you're in that growth environment, that the things are working as best they can, and see if we can lessen some fees in the fund for you. How does that sound?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Yes. Beautiful. Excellent. So, look, as I said, portfolio does need a bit of work. We can do something a little bit better with it.\n\nSo I do wanna sort of go back and review that. Markets haven't been great, and your portfolio has definitely performed a lot less than what I would like it to do. But I'm pretty comfortable I can go back and sort of look at a way to boost that for you. Do you have any questions currently on any of that at the moment? I know I touch on a lot, and I'm so sorry.\n\nChannel 1: No. You're alright. I\n\nChannel 0: Yeah.\n\nChannel 1: don't have any questions at the moment, but I\n\nChannel 0: Yep.\n\nChannel 1: am not also going to like, I'm happy to call you if I've got queries or if\n\nChannel 0: Absolutely.\n\nChannel 1: anything\n\nChannel 0: Yeah.\n\nChannel 1: if anything goes\n\nChannel 0: Yeah.\n\nChannel 1: crazy, I'm sure you guys will let me know.\n\nChannel 0: Absolutely.\n\nChannel 1: Bye.\n\nChannel 0: I do make it a habit of, like, checking things on a regular basis, going into the accounts of all my clients, having a look to see what's happening, where things are tracking, and, you know, giving you a buzz. I also do wanna kinda down the track. I'm starting to kind of make sure everyone gets these catch ups on a regular basis. So making sure to do about a six month catch up with you at the very least just to make sure that we can if anything needs to kind of be updated, that we can look to do that. It also means that if at any point you wanna flag the insurance aspect or look at any other advice, you've got me calling you to kinda catch up in those points of view.\n\nSo are you happy with maybe a six month catch up moving forward as well just to, you know, make sure we're staying on top of everything?\n\nChannel 1: For sure. I've got no problem\n\nChannel 0: Yeah?\n\nChannel 1: with having a six month catch up, although there are times where I'm hard to catch because I've got a very\n\nChannel 0: That's okay.\n\nChannel 1: busy life.\n\nChannel 0: Yeah.\n\nChannel 1: So but yes. No. Six monthly is\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Yep. Beautiful. I can always make it that if, you know, you're having a bit of trouble if we're having trouble getting a hold of you, it's kind of around that catch up time, I can just shoot you an email with an update of the before performance, talk about what's kinda going on and happening, and then allow you to come back and let me know when you wanna sort of talk, when it suits you just in case it is kind of a busy period and you're not really available at those times at those times. Is that okay with you?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Beautiful. Just so we're making sure to touch base, but also not harassing you in any way when you're actually\n\nChannel 1: Oh,\n\nChannel 0: unavailable\n\nChannel 1: my.\n\nChannel 0: and probably not not really able to talk. So that's easy then. Perfect. Excellent. The other thing, just to kinda go through an update there for you.\n\nNow the other thing, sorry, your income. So when I am updating your advice, I do need to kinda factor in the contribution side of things for you. I know you kinda mentioned your income's a little bit higher. What is your do you know what your take home pay looks like on a weekly or fortnightly basis? Because I can always use that to go back and do the math for you.\n\nChannel 1: I can have a quick check.\n\nChannel 0: Yeah. You're\n\nChannel 1: I'll have a quick look and see\n\nChannel 0: right.\n\nChannel 1: what it should be. Sorry.\n\nChannel 0: Yeah.\n\nChannel 1: Just give\n\nChannel 0: You're\n\nChannel 1: me\n\nChannel 0: right.\n\nChannel 1: a second.\n\nChannel 0: Not a problem.\n\nChannel 1: Where are we? So my take home at this stage is about 1,700 a fortnight.\n\nChannel 0: Perfect. So it's Fortnight. Excellent. Thank you for that. And I can see that you're also making some additional contributions, some non concessional contributions into Super there, which is fantastic.\n\nIt looks like at the moment, it's around about a $103 on a fortnightly basis. Does that sound about right?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Beautiful. And you're happy continuing that moving forward? Did you wanna kind of reevaluate those and or increase or alter those if it works out to your benefit to do so, or are you happy just to set them out because the the expenses are quite high?\n\nChannel 1: I'm happy for the like, to stay at that for the moment, but maybe next time we patch up, it might be worth looking at.\n\nChannel 0: Yep. Yep. Beautiful. Beautiful. And then we with the non concessional contributions, so there are like, with the way you're doing it, it is really good because the money going in from your after tax income has been a 100% invested.\n\nSo unlike your employer contributions, which sees 15% tax deducted out of it, that money is kind of providing a greater boost to you. Have you ever thought about claiming a notice of intent against those to sort of take them back to the tax deduction, or do you feel like the non concessional side of things is good, or did you want me to look at the best way to structure those to to provide you with a greater benefit? What's your thoughts there with those additional contributions?\n\nChannel 1: To be honest, I haven't really thought too much about it. I had yeah. But I just haven't thought much about it if I'm being completely honest.\n\nChannel 0: Mhmm. That's okay.\n\nChannel 1: So\n\nChannel 0: Did\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: happy\n\nChannel 0: wanna\n\nChannel 1: for you\n\nChannel 0: keep\n\nChannel 1: to\n\nChannel 0: them\n\nChannel 1: if\n\nChannel 0: as\n\nChannel 1: you can if\n\nChannel 0: Yeah.\n\nChannel 1: you can\n\nChannel 0: You're right.\n\nChannel 1: say\n\nChannel 0: I'm sorry.\n\nChannel 1: something that's gonna\n\nChannel 0: Yes.\n\nChannel 1: help, then let me know, and we'll see if we can go ahead with it or if I don't feel comfortable or whatever. Just let me know, and I will we can see how we go.\n\nChannel 0: Absolutely. As part of the advice of factoring those nonconcessional contributions at the current rate they are, I'll look at the benefit they're providing, look at other structures to see how it works for you, if there's a benefit in altering them, And I can make the recommendation to retain them as they are or to alter them if they need be. I'll keep them at the exact same amount that you're putting in there regularly, though, so as not to alter your expenditure. But I I can have a look at all of that as part of what I do, which is fantastic, and I'll come back and include that in the advice document for you. Does that sound okay?\n\nChannel 1: Sounds great.\n\nChannel 0: Yep. Fantastic. Excellent. Just running through the other assets I do have here as well. So I've got two cars noted down.\n\nI have a combined value on those vehicles of about 35,000. Would you still keep them about the same, or would you alter those valuations?\n\nChannel 1: I that was my sort of best guess. We've still got the same true\n\nChannel 0: Yes.\n\nChannel 1: cars. Although, one of the things that we're looking at at in the near future is we've finished paying off my ute. So we're potentially looking at getting another new car sometime in the future. I don't know when, but\n\nChannel 0: Yes.\n\nChannel 1: it might change then. But at the moment,\n\nChannel 0: Perfect.\n\nChannel 1: it's still the same two vehicles.\n\nChannel 0: Yes. That's okay. That's not a problem at all. We also had noted you had some savings in the account, about 14,000 in savings. Do you still have those savings, or is that changed?\n\nChannel 1: Well, with with the way that we're doing our renovations, we actually got money from the bank to sit there so that\n\nChannel 0: Yes.\n\nChannel 1: we could get the renovations done. So we've actually got 90 ish thousand in the bank at the moment.\n\nChannel 0: Mhmm. To\n\nChannel 1: But,\n\nChannel 0: be used for the renovation. Yep.\n\nChannel 1: yeah, it could be used for the renovations, but the renovations we're looking at doing aren't anywhere near that at the moment. And I'm quite happy about the interest it's gaining because they've got so much in the account. So\n\nChannel 0: Yeah. Perfect. Not a problem at all. And is there any other assets or liabilities that we should probably note down as part of the fact signed at all?\n\nChannel 1: Not that I no. There's nothing we haven't got a credit card or anything like that.\n\nChannel 0: Nope. That's okay. Perfect. Beautiful.\n\nChannel 1: So\n\nChannel 0: Excellent. That's beautiful. Thank you for that. The other thing to sort of talk about is the estate planning aspect. So I just had a quick look at your statement.\n\nI can see you've not got any beneficiary nominations on file. So I do wanna make sure that that is updated because at the moment, we're not having a beneficiary on your super fund. If you were to pass away, that money has to go through a bit of a probate process. Now just confirming, I don't like to make assumptions, but where would you realistically want your money to be paid to if you were to pass away?\n\nChannel 1: I'm a wife.\n\nChannel 0: Perfect. And that's Michelle?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yeah. Beautiful. Beautiful. I will, as part of the the advice, update the beneficiary aspect before you make a recommendation. But it is really important we do have those beneficiaries on file because, essentially, if you would have passed away today, having its own little probate process, it means that people can come forward and stake a claim on your super.\n\nObviously, there's no guarantees they're gonna get any of it, and, you know, it can just make life a little harder for Michelle in the event that she was trying to claim against this super there. So having those beneficiaries in place just makes it so much easier and more streamlined in the event that she ever did have to claim. Okay.\n\nChannel 1: Yep. I'm happy to\n\nChannel 0: Excellent.\n\nChannel 1: note down Michelle as my beneficiary.\n\nChannel 0: Beneficiary? Yeah. Beautiful. I can even get my team, if you're comfortable with us to do so, pre fill the documents for you with the information and send it out to you. That way, you just have to sign and get a witness, and it's all kind of prefilled, make it a little bit easier on you.\n\nChannel 1: Yeah. I'm happy to send it out. I unfortunately\n\nChannel 0: Yep.\n\nChannel 1: have been in Slack at times, but I'll do\n\nChannel 0: Don't\n\nChannel 1: my\n\nChannel 0: worry.\n\nChannel 1: best, do my\n\nChannel 0: That's\n\nChannel 1: best to get\n\nChannel 0: okay.\n\nChannel 1: back to you as quick as possible.\n\nChannel 0: Yeah. That's okay. No worries. I'll make sure I follow it up. I'm pretty good with these sorts of things, and I do follow them up pretty regularly.\n\nSo I'll make sure I can help you to do that. Did\n\nChannel 1: Beautiful.\n\nChannel 0: you want us to free fill Michelle's details for you to make it a little bit easier on you?\n\nChannel 1: No. That's fine. I can put in\n\nChannel 0: That's okay?\n\nChannel 1: the relevant details and stuff like that, I think.\n\nChannel 0: Yeah. No worries at all. And have you guys talked about doing up a power of attorney, will, or any other estate planning documents with a solicitor in the past?\n\nChannel 1: We've been talking about doing our wills for each other for the last ten years, but we actually haven't done it yet.\n\nChannel 0: Yeah. No. Definitely. It is definitely something very important to do, especially having a home and everything like that. So, you know, when and if you do speak to a solicitor, definitely do so.\n\nI could even do up an email for you over the next couple of days if you like just to sort of outlay some information on some easy options to setting up your will. Did you want me to draft up something for you just as a bit of information?\n\nChannel 1: No obligation. Sort of deals looked up. Yep. That sounds fine.\n\nChannel 0: Yeah. No worries at all. Happy to help you out and do those sorts of things to give you guys a bit of a helping hand. Sometimes it can just be a little bit to start the conversation again. And there are some ways to kinda do it a little bit cheaply, especially with, like, the Queensland trap days where you can do it over the phone or on the line or by email.\n\nYou don't actually have to go into the solicitor's office. So I can draft up a couple of those different options for you to kinda make it a bit easier when you are having those conversations. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. A couple of weird questions for you. Are you a pool are you a tax resident of another country?\n\nChannel 1: No.\n\nChannel 0: No? Beautiful. Told you it was a little bit weird. And do you guys have private health insurance?\n\nChannel 1: No. We we sort\n\nChannel 0: No.\n\nChannel 1: of we talked about it and then we didn't talk about it and it never actually eventuated. So we're currently just a public system at the moment.\n\nChannel 0: Yeah. No. That's okay. Not a problem at all. I told you those questions would be a little bit less packed.\n\nIt's all good. Fantastic. So, realistically, with the advice, just to kind of recap on what I'll do, I'll go back and sort of scoping wise, we'll factor in superannuation. Now I know when you came on board originally, the advice was kinda giving you a projected outcome over the next thirty odd years. I don't kinda do that because your life can change very heavily within the next sort of ten years.\n\nI limit my projected outcomes to five to ten years. We sort of focus on what's happening in the shorter term and then note we can update things moving forward.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I just I don't like the idea of projecting thirty years in the in the future. You just never know what could\n\nChannel 1: Well,\n\nChannel 0: change.\n\nChannel 1: it's a long time to try and get right.\n\nChannel 0: Exactly. Exactly. So just to let you know, that's kind of how I do the advice pages for you, but it's about making sure that we track things and keep updating things as your life changes too, which is really important. So I'll start in the superannuation side of things, looking at your contributions and how to structure them to make it work for you to give you the best benefits longer term. We'll update the portfolio.\n\nI'll look at the super and make sure that that net wealth is still appropriate. If not, I can recommend something else. I'll look at, you know, replacing any underperforming investments, look at cost back cost wise there. Do you have any kind of preference around having active managers in your fund to try and outperform against the market or more just looking at a low cost portfolio? What's your kind of preference in the way you prefer to have investment structured?\n\nChannel 1: I\n\nChannel 0: If you don't have a preference,\n\nChannel 1: I\n\nChannel 0: that's okay.\n\nChannel 1: yeah. I don't really have a preference at this stage. It's\n\nChannel 0: Yeah.\n\nChannel 1: the reason I was happy to jump on with you guys is that, yeah, I was happy to have you guys sorta use your wisdom.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep. Beautiful. Well, I promise I will look after you. One of the big things that I sort of pride is that we do work under the best interest duty as part of the corporations act. So if there is ever a point where your best interest conflicts with that of anyone else here or my bosses, I always put you first.\n\nAnd I really honestly am probably the happiest little person to talk about super insurances the world has ever seen. So I'm looking forward to doing the research and coming back with the advice piece. We'll limit it to superannuation, and moving forward, we can always down the track, look at, you know, additional contributions if need be and insurances when you're ready to do so. But we'll sort of book a weather super tracking and what we can do and how we can structure the super and the portfolio to make it work for you. Does that\n\nChannel 1: Yes.\n\nChannel 0: sound okay?\n\nChannel 1: That sounds good.\n\nChannel 0: Beautiful. Look. Thank you so much. Now the only other sort of thing to sort of point out is that in that email there, when you press the sign here button, we have two little documents there. One of those is the ongoing service agreement, which essentially notes you pay an ongoing service fee of 1.65 percent per annum.\n\nChannel 1: Yep.\n\nChannel 0: Our ongoing service fee will, as of next year, be a full tiered structure, which essentially means that once your super balance hits over 200,000, you'll drop down into the next tier, which drops your fee from 1.65% to 1.375%. And then when it hits over 500,000, it will drop down a tier again. So we've kind of implemented that new structure so that as your superfast increases, you drop down to the tier and the percentage will decrease for you, which will kind of work out to your benefit as your super increases.\n\nChannel 1: No.\n\nChannel 0: If for now, because it's under that 200,000, just the 1.65% per annum, that is deducted out of your super on a monthly basis. In smaller increments there, the document does outline the total fee expected for the year, which will let you know how much you'll pay. I obviously wanna make sure your super builds on that, makes that 1.65%, and then an additional, you know, bit of growth and income on top of that so it continues to compound forward for you.\n\nChannel 1: Yeah.\n\nChannel 0: The other document we have in there is the tax file opt in form. So it is really important that you're aware we do hold your tax file number. We are very security conscious here, and we like to make sure you're aware that we hold it how and why. So that document outlines that, and we just ask that you sign and return those two documents back to me at your earliest opportunity, and I'll get back into this research there for you. Do you have any additional questions at all?\n\nChannel 1: No. Not at the moment.\n\nChannel 0: All good. Is there anything that I may have missed or I haven't touched on that might be important to you? Or\n\nChannel 1: Not that instantly leaves someone. As I said, I'm happy to call you if I think of something.\n\nChannel 0: yeah. Absolutely. No. Beautiful. Well, look.\n\nThank you so much for your time this afternoon. I really appreciate you taking my call. I hope you have an amazing afternoon and a great weekend ahead. I will get back into this research. It takes a couple of weeks to complete things properly for you, but then I'll come back with the advice document.\n\nWe can go through that together. How does that sound?\n\nChannel 1: Sounds good.\n\nChannel 0: Beautiful. I will let you go. I hope you have a great afternoon. Thank you so much for your time today.\n\nChannel 1: Not working. No.\n\nChannel 0: Thanks. Talk to you soon.\n\nChannel 1: Hey. I'm fine.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":5.2799997,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.03159533441066742}],"sentiment":"neutral","sentiment_score":0.03159533441066742,"channel":1,"num_words":1,"start":5.2799997,"end":5.7799997},{"sentences":[{"text":"Hi.","start":5.68,"end":5.92,"sentiment":"neutral","sentiment_score":0.17322877049446106},{"text":"Good hi, Christopher.","start":5.92,"end":7.2,"sentiment":"positive","sentiment_score":0.36818129817644757},{"text":"This is Dana from OT Financial.","start":7.2,"end":8.9,"sentiment":"neutral","sentiment_score":0.3151786724726359},{"text":"How are you this afternoon?","start":9.04,"end":10.179999,"sentiment":"neutral","sentiment_score":0.3159039795398712}],"sentiment":"neutral","sentiment_score":0.31655763983726504,"channel":0,"num_words":15,"start":5.68,"end":10.179999},{"sentences":[{"text":"Yeah.","start":10.48,"end":10.8,"sentiment":"neutral","sentiment_score":0.20228958129882812},{"text":"Not too bad.","start":10.8,"end":11.44,"sentiment":"neutral","sentiment_score":0.2757536272207896},{"text":"How are you?","start":11.44,"end":12.015,"sentiment":"neutral","sentiment_score":0.30218114455540973}],"sentiment":"neutral","sentiment_score":0.2765848423753466,"channel":1,"num_words":7,"start":10.48,"end":12.015},{"sentences":[{"text":"I'm very well.","start":12.595,"end":13.475,"sentiment":"positive","sentiment_score":0.6221214930216471},{"text":"Thank you.","start":13.475,"end":13.955,"sentiment":"positive","sentiment_score":0.6996822357177734},{"text":"Thanks for asking.","start":13.955,"end":14.935,"sentiment":"positive","sentiment_score":0.6151259541511536},{"text":"I had you booked in to go through your annual review today.","start":14.995001,"end":17.795,"sentiment":"neutral","sentiment_score":0.11565777224798997},{"text":"Isn't that still a good time there for you?","start":17.795,"end":19.815,"sentiment":"neutral","sentiment_score":0.09380746550030178}],"sentiment":"neutral","sentiment_score":0.25321611273905326,"channel":0,"num_words":29,"start":12.595,"end":19.815},{"sentences":[{"text":"Yeah.","start":20.175,"end":20.494999,"sentiment":"neutral","sentiment_score":0.1130288392305374},{"text":"It's fine.","start":20.494999,"end":21.215,"sentiment":"neutral","sentiment_score":0.18055739998817444},{"text":"It doesn't take heaps long, does it?","start":21.215,"end":23.154999,"sentiment":"neutral","sentiment_score":0.12597801217011043}],"sentiment":"neutral","sentiment_score":0.13559897243976593,"channel":1,"num_words":10,"start":20.175,"end":23.154999},{"sentences":[{"text":"Normally, it takes about half an hour to kinda go through depending on what we touch base on, the things, look at your goals, be it a few circumstances, different things like that.","start":23.875,"end":33.6,"sentiment":"neutral","sentiment_score":0.06694209118458358}],"sentiment":"neutral","sentiment_score":0.06694209118458358,"channel":0,"num_words":33,"start":23.875,"end":33.6},{"sentences":[{"text":"That's fine.","start":33.85,"end":34.67,"sentiment":"neutral","sentiment_score":0.18730728328227997}],"sentiment":"neutral","sentiment_score":0.18730728328227997,"channel":1,"num_words":2,"start":33.85,"end":34.67},{"sentences":[{"text":"That's okay.","start":35.18,"end":35.9,"sentiment":"neutral","sentiment_score":0.20557705312967303},{"text":"I can sort of try to make it a little bit faster if if you'd like just to touch on the things we need to.","start":35.9,"end":41.52,"sentiment":"neutral","sentiment_score":0.10332943320274353},{"text":"So it just all depends on how how quickly go through everything for you.","start":42.415,"end":45.775,"sentiment":"neutral","sentiment_score":0.12242606282234192},{"text":"That's","start":45.775,"end":46.095,"sentiment":"neutral","sentiment_score":0.10161727666854858}],"sentiment":"neutral","sentiment_score":0.11452314505974452,"channel":0,"num_words":42,"start":35.18,"end":46.095},{"sentences":[{"text":"Yeah.","start":45.864998,"end":46.364998,"sentiment":"neutral","sentiment_score":0.08618450164794922}],"sentiment":"neutral","sentiment_score":0.08618450164794922,"channel":1,"num_words":1,"start":45.864998,"end":46.364998},{"sentences":[{"text":"all.","start":46.095,"end":46.335,"sentiment":"neutral","sentiment_score":0.08971551060676575},{"text":"Is that now still okay?","start":46.335,"end":47.955,"sentiment":"neutral","sentiment_score":0.08262636512517929}],"sentiment":"neutral","sentiment_score":0.08380788937211037,"channel":0,"num_words":6,"start":46.095,"end":47.955},{"sentences":[{"text":"Yeah.","start":48.025,"end":48.345,"sentiment":"neutral","sentiment_score":0.09573924541473389},{"text":"That's fine.","start":48.345,"end":49.165,"sentiment":"neutral","sentiment_score":0.16523303091526031}],"sentiment":"neutral","sentiment_score":0.14206843574841818,"channel":1,"num_words":3,"start":48.025,"end":49.165},{"sentences":[{"text":"Yeah.","start":49.695,"end":50.095,"sentiment":"neutral","sentiment_score":0.257416307926178},{"text":"Beautiful.","start":50.095,"end":50.595,"sentiment":"positive","sentiment_score":0.5450617671012878},{"text":"All good.","start":50.655,"end":51.395,"sentiment":"positive","sentiment_score":0.452196404337883},{"text":"Before we jump into the call there, Christopher, just to let you know, I do recall these calls with quality and training purposes.","start":51.455,"end":56.449997,"sentiment":"neutral","sentiment_score":0.09539579438126605},{"text":"Are you happy for us to proceed with that?","start":56.449997,"end":58.39,"sentiment":"neutral","sentiment_score":0.14471936970949173}],"sentiment":"neutral","sentiment_score":0.14454023560716045,"channel":0,"num_words":36,"start":49.695,"end":58.39},{"sentences":[{"text":"Yep.","start":58.6,"end":59.1,"sentiment":"neutral","sentiment_score":0.12073438614606856}],"sentiment":"neutral","sentiment_score":0.12073438614606856,"channel":1,"num_words":1,"start":58.6,"end":59.1},{"sentences":[{"text":"Beautiful.","start":59.89,"end":60.39,"sentiment":"neutral","sentiment_score":0.2852322459220886},{"text":"And just to do a quick security check there for you.","start":60.769997,"end":62.929996,"sentiment":"neutral","sentiment_score":0.11831812154163014},{"text":"So just to confirm, your full name, your date of birth, and address I should have on file?","start":62.929996,"end":66.95,"sentiment":"neutral","sentiment_score":0.08607825512687366}],"sentiment":"neutral","sentiment_score":0.10453800583879153,"channel":0,"num_words":30,"start":59.89,"end":66.95},{"sentences":[{"text":"My name is Christopher John Thompson.","start":68.105,"end":69.885,"sentiment":"neutral","sentiment_score":0.02151192134867112},{"text":"My date of birth","start":70.105,"end":70.90501,"sentiment":"neutral","sentiment_score":0.027961441781371832}],"sentiment":"neutral","sentiment_score":0.024091729521751405,"channel":1,"num_words":10,"start":68.105,"end":70.90501},{"sentences":[{"text":"Yep.","start":70.77,"end":71.145,"sentiment":"neutral","sentiment_score":0.029134174808859825}],"sentiment":"neutral","sentiment_score":0.029134174808859825,"channel":0,"num_words":1,"start":70.77,"end":71.145},{"sentences":[{"text":"is the 12/02/1983.","start":70.90501,"end":73.725006,"sentiment":"neutral","sentiment_score":0.031889031951626144},{"text":"My","start":73.945,"end":74.185005,"sentiment":"neutral","sentiment_score":0.02642606757581234}],"sentiment":"neutral","sentiment_score":0.03052329085767269,"channel":1,"num_words":4,"start":70.90501,"end":74.185005},{"sentences":[{"text":"Yep.","start":74.185,"end":74.685,"sentiment":"neutral","sentiment_score":0.02990940771996975}],"sentiment":"neutral","sentiment_score":0.02990940771996975,"channel":0,"num_words":1,"start":74.185,"end":74.685},{"sentences":[{"text":"residential address is 19 Gloucester Crescent, Darling Heights, Toowoomba, Queensland 4350.","start":74.185005,"end":80.67,"sentiment":"neutral","sentiment_score":0.04955592141910033}],"sentiment":"neutral","sentiment_score":0.04955592141910033,"channel":1,"num_words":11,"start":74.185005,"end":80.67},{"sentences":[{"text":"Beautiful.","start":80.985,"end":81.485,"sentiment":"positive","sentiment_score":0.4265575110912323},{"text":"Thank you so much for that.","start":81.625,"end":82.985,"sentiment":"positive","sentiment_score":0.6322971185048422},{"text":"Appreciate it.","start":82.985,"end":83.88,"sentiment":"positive","sentiment_score":0.6350058019161224},{"text":"Now I normally do send through some annual review documents to kinda go through with you as part of the review.","start":84.119995,"end":88.92,"sentiment":"neutral","sentiment_score":0.1097396942121642},{"text":"Are you able to access your emails?","start":88.92,"end":90.759995,"sentiment":"neutral","sentiment_score":0.03263962960668972}],"sentiment":"neutral","sentiment_score":0.216847643558238,"channel":0,"num_words":37,"start":80.985,"end":90.759995},{"sentences":[{"text":"If you can't, that's okay.","start":90.759995,"end":91.96,"sentiment":"neutral","sentiment_score":0.03569480776786804},{"text":"I can go through things for you.","start":91.96,"end":93.82,"sentiment":"neutral","sentiment_score":0.17450751151357377}],"sentiment":"neutral","sentiment_score":0.11666888495286305,"channel":0,"num_words":12,"start":90.759995,"end":93.82},{"sentences":[{"text":"I should be able to get by the email.","start":94.595,"end":96.135,"sentiment":"neutral","sentiment_score":0.13366619497537613}],"sentiment":"neutral","sentiment_score":0.13366619497537613,"channel":1,"num_words":9,"start":94.595,"end":96.135},{"sentences":[{"text":"Yes.","start":96.759995,"end":97.159996,"sentiment":"neutral","sentiment_score":0.2055404037237167},{"text":"Beautiful.","start":97.159996,"end":97.659996,"sentiment":"positive","sentiment_score":0.44145309925079346},{"text":"I'm just going to send it through to you there now.","start":97.799995,"end":100.715,"sentiment":"neutral","sentiment_score":0.30483291907743976},{"text":"Beautiful.","start":102.455,"end":102.955,"sentiment":"positive","sentiment_score":0.41216185688972473},{"text":"Okay.","start":106.295,"end":106.774994,"sentiment":"neutral","sentiment_score":0.25492414832115173}],"sentiment":"neutral","sentiment_score":0.3111494412024816,"channel":0,"num_words":15,"start":96.759995,"end":106.774994},{"sentences":[{"text":"It just told me it's sent.","start":106.774994,"end":107.975,"sentiment":"neutral","sentiment_score":0.19199680288632712},{"text":"Hopefully, the Internet locks the same.","start":107.975,"end":109.575,"sentiment":"neutral","sentiment_score":0.20626386751731238},{"text":"It comes through to you nice and quickly.","start":109.575,"end":111.274994,"sentiment":"positive","sentiment_score":0.39439691230654716},{"text":"Yeah.","start":113.88,"end":114.36,"sentiment":"neutral","sentiment_score":0.27501171827316284},{"text":"Fantastic.","start":114.36,"end":114.86,"sentiment":"positive","sentiment_score":0.44804298877716064}],"sentiment":"neutral","sentiment_score":0.28489972854202444,"channel":0,"num_words":22,"start":106.774994,"end":114.86},{"sentences":[{"text":"Uh-huh.","start":114.37,"end":114.87,"sentiment":"neutral","sentiment_score":0.18667985498905185},{"text":"Yep.","start":121.665,"end":122.165,"sentiment":"neutral","sentiment_score":0.17525678873062134},{"text":"It's here.","start":122.625,"end":123.445,"sentiment":"neutral","sentiment_score":0.2681569904088974}],"sentiment":"neutral","sentiment_score":0.224562656134367,"channel":1,"num_words":4,"start":114.37,"end":123.445},{"sentences":[{"text":"Excellent.","start":124.28,"end":124.78,"sentiment":"neutral","sentiment_score":0.107721745967865},{"text":"So with that one there, to make it yeah.","start":124.92,"end":128.145,"sentiment":"neutral","sentiment_score":0.054603125900030136},{"text":"You do have a little button that says sign here, and if you press that button, it'll take you through to review the documents.","start":128.145,"end":132.965,"sentiment":"neutral","sentiment_score":0.04947426441746453},{"text":"But the documents that I do kinda wanna review with you are actually set as attachments.","start":133.105,"end":137.445,"sentiment":"neutral","sentiment_score":0.03480093437246978},{"text":"So if you look below, there should be a couple of attachments there, and one of those will be your superannuation summary of insurance as a super.","start":137.505,"end":145.26,"sentiment":"neutral","sentiment_score":0.05110151575947249}],"sentiment":"neutral","sentiment_score":0.0483517935136696,"channel":0,"num_words":77,"start":124.28,"end":145.26},{"sentences":[{"text":"Yep.","start":147.29501,"end":147.77501,"sentiment":"neutral","sentiment_score":0.17180129885673523},{"text":"Super summary.","start":147.77501,"end":148.675,"sentiment":"positive","sentiment_score":0.38708099722862244}],"sentiment":"neutral","sentiment_score":0.3153210977713267,"channel":1,"num_words":3,"start":147.29501,"end":148.675},{"sentences":[{"text":"That's the one.","start":149.4,"end":150.12,"sentiment":"positive","sentiment_score":0.3345230718453725},{"text":"Yeah.","start":150.12,"end":150.36,"sentiment":"positive","sentiment_score":0.36530601978302},{"text":"So if you can open up that one for me, that would be 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$86,003.83.","start":171.53001,"end":179.53001,"sentiment":"neutral","sentiment_score":0.15177402903254217},{"text":"So having a look at your balance as of the July 27, these documents were prepared just a couple of weeks back there.","start":179.53001,"end":185.855,"sentiment":"neutral","sentiment_score":0.08510698199920032}],"sentiment":"neutral","sentiment_score":0.18615342591676795,"channel":0,"num_words":57,"start":168.125,"end":185.855},{"sentences":[{"text":"Your balance then was sitting at a $106,852.53.","start":186.395,"end":191.535,"sentiment":"neutral","sentiment_score":0.0888433950021863},{"text":"Looking at your super balance today, you're sitting at a $109,545.89 there.","start":191.915,"end":197.94,"sentiment":"neutral","sentiment_score":0.13676665102442107},{"text":"So you have had a bit more growth since we prepared these documents, which is 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okay.","start":432.09,"end":432.99,"sentiment":"neutral","sentiment_score":0.06267659645527601},{"text":"All good.","start":433.13,"end":433.87,"sentiment":"positive","sentiment_score":0.4053758233785629},{"text":"And thinking about other types of cover like disability insurance, income protection, and trauma, do you feel like you would wanna look at maybe getting some of that now or sort of hold up until down the track when you feel it's appropriate for you?","start":434.415,"end":446.095,"sentiment":"neutral","sentiment_score":0.005041855076948802},{"text":"What's your thoughts there?","start":446.095,"end":447.395,"sentiment":"neutral","sentiment_score":-0.009452398080611601}],"sentiment":"neutral","sentiment_score":0.019182513457188313,"channel":0,"num_words":54,"start":431.93,"end":447.395},{"sentences":[{"text":"I'll probably just hold off.","start":448.15002,"end":449.67,"sentiment":"neutral","sentiment_score":-0.06371892616152763},{"text":"When I do a review of my life insurance and stuff like that, I'll probably look at it all then,","start":449.67,"end":459.53003,"sentiment":"neutral","sentiment_score":-0.0213269064493943}],"sentiment":"neutral","sentiment_score":-0.029805310391820966,"channel":1,"num_words":25,"start":448.15002,"end":459.53003},{"sentences":[{"text":"Yep.","start":460.28,"end":460.78,"sentiment":"neutral","sentiment_score":0.025310885161161423}],"sentiment":"neutral","sentiment_score":0.025310885161161423,"channel":0,"num_words":1,"start":460.28,"end":460.78},{"sentences":[{"text":"go through and have that.","start":460.475,"end":461.755,"sentiment":"neutral","sentiment_score":0.017938771471381187},{"text":"But the thing that is my income protection, I really don't get paid much.","start":461.755,"end":466.155,"sentiment":"neutral","sentiment_score":-0.14563767532152788},{"text":"So it's, yeah, not a hugely important thing.","start":466.155,"end":472.155,"sentiment":"neutral","sentiment_score":-0.11544429510831833},{"text":"My wife's got my wife earns a lot more than I do.","start":472.155,"end":475.94998,"sentiment":"neutral","sentiment_score":-0.02863146271556616},{"text":"So","start":475.94998,"end":476.44998,"sentiment":"neutral","sentiment_score":0.011241856962442398}],"sentiment":"neutral","sentiment_score":-0.08012809134088457,"channel":1,"num_words":40,"start":460.475,"end":476.44998},{"sentences":[{"text":"Yeah.","start":477.0,"end":477.5,"sentiment":"neutral","sentiment_score":0.019369784742593765},{"text":"So, realistically, if you weren't able to work in the short term, her income would still be fairly sufficient to cover the 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now.","start":495.435,"end":496.555,"sentiment":"neutral","sentiment_score":-0.1389005482196808},{"text":"No.","start":496.555,"end":497.055,"sentiment":"neutral","sentiment_score":-0.12007077038288116}],"sentiment":"neutral","sentiment_score":-0.1317775398492813,"channel":1,"num_words":5,"start":495.115,"end":497.055},{"sentences":[{"text":"Yep.","start":497.525,"end":498.005,"sentiment":"neutral","sentiment_score":-0.030342012643814087}],"sentiment":"neutral","sentiment_score":-0.030342012643814087,"channel":0,"num_words":1,"start":497.525,"end":498.005},{"sentences":[{"text":"Alright.","start":497.91498,"end":498.31497,"sentiment":"neutral","sentiment_score":0.026543304324150085}],"sentiment":"neutral","sentiment_score":0.026543304324150085,"channel":1,"num_words":1,"start":497.91498,"end":498.31497},{"sentences":[{"text":"That's okay.","start":498.005,"end":498.745,"sentiment":"neutral","sentiment_score":0.05395163409411907}],"sentiment":"neutral","sentiment_score":0.05395163409411907,"channel":0,"num_words":2,"start":498.005,"end":498.745},{"sentences":[{"text":"Soon, I don't think like, soon so I've been working with Education Queensland for six years now, so it wouldn't be too far off having some long service leave, I 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good.","start":517.36,"end":518.1,"sentiment":"positive","sentiment_score":0.5268421471118927},{"text":"Perfect.","start":519.345,"end":519.745,"sentiment":"neutral","sentiment_score":0.1025753915309906},{"text":"Well, I mean, income protection, so it doesn't look like it's more one of those things.","start":519.745,"end":523.105,"sentiment":"neutral","sentiment_score":-0.0704189904499799},{"text":"The main sort of thing I'd be sort of looking at with you is probably PDD, total permanent incapacity.","start":523.105,"end":528.565,"sentiment":"neutral","sentiment_score":-0.13270050836236855},{"text":"It's more about if you're never able to go back to work again, how you sort of look after yourself.","start":528.785,"end":534.13,"sentiment":"neutral","sentiment_score":-0.14923321902751924}],"sentiment":"neutral","sentiment_score":-0.09442100346345327,"channel":0,"num_words":58,"start":517.36,"end":534.13},{"sentences":[{"text":"One of the biggest things that I sort of focus on with TBD is that if you're not able to go back to work again, there's a cost of covering your income for a certain period of time.","start":534.51,"end":545.085,"sentiment":"neutral","sentiment_score":-0.0904802025148743},{"text":"But then then because you are still so young, a lot of people who are currently disabled have to make modifications to their house, buy new cars, pay for rehabilitation support, and things like that.","start":545.16504,"end":556.445,"sentiment":"neutral","sentiment_score":-0.11212328704340117},{"text":"So there are other costs to sort of think about when comes to permanent incapacity or total permanent disability.","start":556.445,"end":562.79,"sentiment":"neutral","sentiment_score":-0.10602879445803792},{"text":"But when and if you are ready to have that kind of conversation, let me know.","start":563.49,"end":566.85,"sentiment":"neutral","sentiment_score":0.05872769164852798},{"text":"I'm more than happy to make time to talk about what your goals are, what's 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sort of going back to your last day review.","start":583.025,"end":588.08,"sentiment":"neutral","sentiment_score":0.20628073140978814},{"text":"We had noted, I believe you were hoping to be able to access super oh, sorry.","start":588.08,"end":593.04004,"sentiment":"neutral","sentiment_score":0.08722364064306021},{"text":"It's a bit longer back.","start":593.04004,"end":594.26,"sentiment":"neutral","sentiment_score":-0.009989802027121186}],"sentiment":"neutral","sentiment_score":0.15495138829249108,"channel":0,"num_words":43,"start":581.10504,"end":594.26},{"sentences":[{"text":"Around about sort of sixty to sixty five months, does that ring a bell, and does that still sound fairly appropriate for you?","start":594.96,"end":601.185,"sentiment":"neutral","sentiment_score":0.046345754648032395}],"sentiment":"neutral","sentiment_score":0.046345754648032395,"channel":0,"num_words":23,"start":594.96,"end":601.185},{"sentences":[{"text":"Yeah.","start":602.315,"end":602.815,"sentiment":"neutral","sentiment_score":0.00508454442024231},{"text":"After that, whatever.","start":603.115,"end":604.41504,"sentiment":"neutral","sentiment_score":-0.009752745429674784},{"text":"For the time I get there, the retirement age will be 80, but, yeah, sometime around that point.","start":605.06,"end":612.04,"sentiment":"neutral","sentiment_score":-0.03941688552084896}],"sentiment":"neutral","sentiment_score":-0.03334898323836652,"channel":1,"num_words":22,"start":602.315,"end":612.04},{"sentences":[{"text":"Yeah.","start":612.625,"end":613.105,"sentiment":"neutral","sentiment_score":0.02358711883425713},{"text":"I really hope it's not 80 because I'm the same age as you, so I'd like to retire at 60.","start":613.105,"end":620.53,"sentiment":"neutral","sentiment_score":-0.045427163038402794},{"text":"I would hate to get to 60 and then tell have them tell us we're gonna work another twenty years.","start":620.83,"end":625.25,"sentiment":"neutral","sentiment_score":-0.2842887558043003},{"text":"We will have worked","start":625.55,"end":626.43,"sentiment":"neutral","sentiment_score":-0.07419553399085999}],"sentiment":"neutral","sentiment_score":-0.15261140875518323,"channel":0,"num_words":45,"start":612.625,"end":626.43},{"sentences":[{"text":"You 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on how.","start":676.575,"end":685.15497,"sentiment":"neutral","sentiment_score":0.08621759298774931}],"sentiment":"neutral","sentiment_score":0.13986226784832337,"channel":1,"num_words":34,"start":669.61,"end":685.15497},{"sentences":[{"text":"Mhmm.","start":684.95996,"end":685.45996,"sentiment":"neutral","sentiment_score":0.019875913858413696}],"sentiment":"neutral","sentiment_score":0.019875913858413696,"channel":0,"num_words":1,"start":684.95996,"end":685.45996},{"sentences":[{"text":"But the way I was always explained that the what it's like the super, 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time I'm 60, I'll have a bit more there.","start":714.815,"end":720.77997,"sentiment":"neutral","sentiment_score":0.046955799540648095}],"sentiment":"neutral","sentiment_score":0.046955799540648095,"channel":1,"num_words":13,"start":714.815,"end":720.77997},{"sentences":[{"text":"Absolutely.","start":721.695,"end":722.195,"sentiment":"neutral","sentiment_score":0.22548538446426392},{"text":"And that's sort of what I wanted to look at things for you today.","start":722.815,"end":725.53503,"sentiment":"neutral","sentiment_score":0.2612892687320709},{"text":"So this year has been a little bit up and down in the markets there.","start":725.53503,"end":728.26,"sentiment":"neutral","sentiment_score":-0.10855782727400462},{"text":"There have definitely been some volatility, and I kind of had a look at your super beforehand.","start":728.26,"end":732.83997,"sentiment":"neutral","sentiment_score":-0.15210332151721506},{"text":"I'm gonna go through the report with you in a minute, but I found some areas that we could probably make some improvements on your super because your portfolio is very much older.","start":732.89996,"end":740.715,"sentiment":"neutral","sentiment_score":0.1477246887304566}],"sentiment":"neutral","sentiment_score":0.056804074998945,"channel":0,"num_words":80,"start":721.695,"end":740.715},{"sentences":[{"text":"You've kinda been on board since 2021 there, and your your super you know, portfolio hasn't really changed or evolved much in that time.","start":740.79504,"end":748.395,"sentiment":"neutral","sentiment_score":0.004564207047224045},{"text":"So I did have a really good look at things before we came on the call.","start":748.395,"end":752.655,"sentiment":"neutral","sentiment_score":0.3066816097125411},{"text":"And, realistically, I definitely like to make some changes to your super if you're comfortable with me doing so, and I'll go through sort of what I'm thinking 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there.","start":798.29504,"end":801.73505,"sentiment":"neutral","sentiment_score":0.17163023663063845},{"text":"So you are absolutely correct in the way that works.","start":801.73505,"end":805.03503,"sentiment":"positive","sentiment_score":0.5744582742452622},{"text":"It just feels like we work forever to get our suit balance up that high, so I 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look.","start":814.47003,"end":815.11,"sentiment":"neutral","sentiment_score":0.022086627781391144},{"text":"Let's go through your paper because this year has been a little bit volatile, and I'm very upfront and honest with you.","start":815.11,"end":820.65,"sentiment":"neutral","sentiment_score":0.02870765362273563},{"text":"We've had some great returns, and the last year has had much of a lower rate of return.","start":820.79,"end":825.625,"sentiment":"neutral","sentiment_score":0.1855938517385059},{"text":"So I have kind of wanted to go back and have a little bit of a look at the super, maybe update your portfolio to make sure that things are working a bit harder for you for the next couple of months.","start":826.005,"end":836.185,"sentiment":"neutral","sentiment_score":0.022058222265470596},{"text":"In that email, there's a document in there.","start":836.61,"end":839.41,"sentiment":"neutral","sentiment_score":0.018892253516241908}],"sentiment":"neutral","sentiment_score":0.055011838253947995,"channel":0,"num_words":93,"start":814.47003,"end":839.41},{"sentences":[{"text":"It should say asset performance detail or portfolio report.","start":839.41,"end":844.29,"sentiment":"neutral","sentiment_score":0.02177022521694501},{"text":"Can you see that attachment there at all?","start":844.29,"end":846.55,"sentiment":"neutral","sentiment_score":0.01063755271025002}],"sentiment":"neutral","sentiment_score":0.016531320507912076,"channel":0,"num_words":17,"start":839.41,"end":846.55},{"sentences":[{"text":"Give me a sec.","start":847.06,"end":847.86,"sentiment":"neutral","sentiment_score":0.0007285603787750006},{"text":"I've gotta go back through and find it.","start":847.86,"end":849.72,"sentiment":"neutral","sentiment_score":-0.00020272890105843522}],"sentiment":"neutral","sentiment_score":0.00010770085888604337,"channel":1,"num_words":12,"start":847.06,"end":849.72},{"sentences":[{"text":"Oh, sorry.","start":849.545,"end":850.765,"sentiment":"neutral","sentiment_score":-0.006772544700652361}],"sentiment":"neutral","sentiment_score":-0.006772544700652361,"channel":0,"num_words":2,"start":849.545,"end":850.765},{"sentences":[{"text":"No.","start":851.45996,"end":851.77997,"sentiment":"neutral","sentiment_score":-0.022986892610788345},{"text":"You're good.","start":851.77997,"end":852.51996,"sentiment":"neutral","sentiment_score":0.019030979834496975},{"text":"Uh-huh.","start":854.18,"end":854.5,"sentiment":"neutral","sentiment_score":0.017883993685245514},{"text":"So it's the Netwealth asset performance 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opening.","start":868.03503,"end":869.09503,"sentiment":"neutral","sentiment_score":0.03641202735404173},{"text":"Check","start":869.715,"end":870.03503,"sentiment":"neutral","sentiment_score":0.018417444080114365}],"sentiment":"neutral","sentiment_score":0.038349682465195656,"channel":1,"num_words":5,"start":865.315,"end":870.03503},{"sentences":[{"text":"Yep.","start":870.0,"end":870.48,"sentiment":"neutral","sentiment_score":0.004540673457086086}],"sentiment":"neutral","sentiment_score":0.004540673457086086,"channel":0,"num_words":1,"start":870.0,"end":870.48},{"sentences":[{"text":"it's just","start":870.11505,"end":870.67505,"sentiment":"neutral","sentiment_score":-0.009677473921328783}],"sentiment":"neutral","sentiment_score":-0.009677473921328783,"channel":1,"num_words":2,"start":870.11505,"end":870.67505},{"sentences":[{"text":"That's","start":870.48,"end":870.8,"sentiment":"neutral","sentiment_score":-0.08353525400161743}],"sentiment":"neutral","sentiment_score":-0.08353525400161743,"channel":0,"num_words":1,"start":870.48,"end":870.8},{"sentences":[{"text":"going","start":870.67505,"end":871.075,"sentiment":"neutral","sentiment_score":-0.1108170747756958}],"sentiment":"neutral","sentiment_score":-0.1108170747756958,"channel":1,"num_words":1,"start":870.67505,"end":871.075},{"sentences":[{"text":"okay.","start":870.8,"end":871.3,"sentiment":"neutral","sentiment_score":-0.141994446516037}],"sentiment":"neutral","sentiment_score":-0.141994446516037,"channel":0,"num_words":1,"start":870.8,"end":871.3},{"sentences":[{"text":"slow.","start":871.075,"end":871.575,"sentiment":"neutral","sentiment_score":-0.114734947681427},{"text":"Yep.","start":871.88,"end":872.27997,"sentiment":"neutral","sentiment_score":-0.03581992909312248}],"sentiment":"neutral","sentiment_score":-0.07527743838727474,"channel":1,"num_words":2,"start":871.075,"end":872.27997},{"sentences":[{"text":"No.","start":872.24,"end":872.48,"sentiment":"neutral","sentiment_score":-0.05408277362585068}],"sentiment":"neutral","sentiment_score":-0.05408277362585068,"channel":0,"num_words":1,"start":872.24,"end":872.48},{"sentences":[{"text":"Okay.","start":872.27997,"end":872.77997,"sentiment":"neutral","sentiment_score":-0.010211588814854622}],"sentiment":"neutral","sentiment_score":-0.010211588814854622,"channel":1,"num_words":1,"start":872.27997,"end":872.77997},{"sentences":[{"text":"That's understandable.","start":872.48,"end":873.3,"sentiment":"neutral","sentiment_score":0.05118034407496452},{"text":"Beautiful.","start":874.0,"end":874.5,"sentiment":"positive","sentiment_score":0.3583221435546875},{"text":"Now the front page","start":875.015,"end":875.975,"sentiment":"neutral","sentiment_score":0.08035341091454029}],"sentiment":"neutral","sentiment_score":0.11172806790896825,"channel":0,"num_words":7,"start":872.48,"end":875.975},{"sentences":[{"text":"It's","start":875.95996,"end":876.20996,"sentiment":"neutral","sentiment_score":0.05744873732328415}],"sentiment":"neutral","sentiment_score":0.05744873732328415,"channel":1,"num_words":1,"start":875.95996,"end":876.20996},{"sentences":[{"text":"here","start":875.975,"end":876.295,"sentiment":"neutral","sentiment_score":0.05115661770105362}],"sentiment":"neutral","sentiment_score":0.05115661770105362,"channel":0,"num_words":1,"start":875.975,"end":876.295},{"sentences":[{"text":"open.","start":876.20996,"end":876.70996,"sentiment":"neutral","sentiment_score":0.07314574718475342}],"sentiment":"neutral","sentiment_score":0.07314574718475342,"channel":1,"num_words":1,"start":876.20996,"end":876.70996},{"sentences":[{"text":"basically goes through for the last twelve months and essentially looks at all the individual investments that you do have within your portfolio currently.","start":876.295,"end":883.115,"sentiment":"neutral","sentiment_score":0.07872745317096512},{"text":"This is based on the what sort of happens from July to July because that's on these documents to prepare that.","start":883.735,"end":889.975,"sentiment":"neutral","sentiment_score":0.03260814460615317},{"text":"But there's not a great deal of change.","start":889.975,"end":892.17,"sentiment":"neutral","sentiment_score":-0.20749856997281313},{"text":"We have seen a little bit more since then.","start":892.17,"end":894.17,"sentiment":"neutral","sentiment_score":0.209792354868518},{"text":"So in the last probably month, we've seen about a few a two to 3% increase in the market and in your portfolio, which has been really good to see.","start":894.17,"end":903.07,"sentiment":"positive","sentiment_score":0.43714435944954555}],"sentiment":"neutral","sentiment_score":0.17300764489514026,"channel":0,"num_words":92,"start":876.295,"end":903.07},{"sentences":[{"text":"But, realistically, one of the things we had better with the volatility and everything that's been going on this year is that markets have been a bit up and down, and it's definitely had a bit of an effect on everyone in their portfolios there.","start":903.875,"end":915.335,"sentiment":"neutral","sentiment_score":-0.23733487675587336},{"text":"The other thing that really affected your portfolio this year was the Bennelong Estate equities investment that you've got there or did have.","start":915.6,"end":923.76,"sentiment":"neutral","sentiment_score":-0.2256003333174664},{"text":"We've actually removed that from your portfolio.","start":923.76,"end":925.86,"sentiment":"neutral","sentiment_score":-0.25585890880652834},{"text":"So earlier this year, we had sort of notice that that was underperforming significantly.","start":926.07996,"end":930.5,"sentiment":"neutral","sentiment_score":-0.32844677035297665},{"text":"To kinda give you a run through on that along, that is an actively managed fund.","start":931.085,"end":935.725,"sentiment":"neutral","sentiment_score":-0.07286738161928952}],"sentiment":"neutral","sentiment_score":-0.2230859273601146,"channel":0,"num_words":105,"start":903.875,"end":935.725},{"sentences":[{"text":"So the investment manager within the fund there is supposed to be trying to pick and find the market, choose investments, and choose when to buy into those investments.","start":935.725,"end":944.385,"sentiment":"neutral","sentiment_score":0.02450340844947716},{"text":"And they must be trying to outperform against the market, essentially.","start":945.64996,"end":948.55,"sentiment":"neutral","sentiment_score":-0.03890429606491869},{"text":"They haven't been able to do that.","start":948.93,"end":950.37,"sentiment":"neutral","sentiment_score":-0.2960506337029593},{"text":"They've had some underlying issues within the investment.","start":950.37,"end":953.02997,"sentiment":"neutral","sentiment_score":-0.21422231569886208},{"text":"So we flagged this in March that that was an issue, and we had sent through a record of advice and email to you back then to let you know that we were pulling that out of your portfolio.","start":953.56995,"end":962.575,"sentiment":"neutral","sentiment_score":-0.07563314214348793}],"sentiment":"neutral","sentiment_score":-0.0686507863487969,"channel":0,"num_words":94,"start":935.725,"end":962.575},{"sentences":[{"text":"Did you remember receiving that email at all in March?","start":963.115,"end":966.335,"sentiment":"neutral","sentiment_score":-0.012232940085232258}],"sentiment":"neutral","sentiment_score":-0.012232940085232258,"channel":0,"num_words":10,"start":963.115,"end":966.335},{"sentences":[{"text":"Begley.","start":967.485,"end":967.985,"sentiment":"neutral","sentiment_score":0.013174798339605331}],"sentiment":"neutral","sentiment_score":0.013174798339605331,"channel":1,"num_words":1,"start":967.485,"end":967.985},{"sentences":[{"text":"That's okay.","start":969.59503,"end":970.235,"sentiment":"neutral","sentiment_score":0.15164975076913834},{"text":"It is a few months ago now.","start":970.235,"end":971.935,"sentiment":"neutral","sentiment_score":0.18057030865124293},{"text":"It's all good.","start":972.315,"end":973.455,"sentiment":"positive","sentiment_score":0.4037042756875356},{"text":"Yes.","start":974.01,"end":974.41003,"sentiment":"neutral","sentiment_score":0.13594627380371094},{"text":"Now our investment committee had flagged.","start":974.41003,"end":976.25,"sentiment":"neutral","sentiment_score":-0.07437395801146825}],"sentiment":"neutral","sentiment_score":0.12990036920497292,"channel":0,"num_words":19,"start":969.59503,"end":976.25},{"sentences":[{"text":"That investment was underperforming.","start":976.25,"end":977.79004,"sentiment":"negative","sentiment_score":-0.36253004521131516},{"text":"We wanted to remove that quickly, so we did send a record of advice out to everyone to try and remove that from the investment portfolios ASAP.","start":978.09,"end":986.35004,"sentiment":"neutral","sentiment_score":-0.10970936688008132},{"text":"It did, unfortunately, mean that there was some losses received.","start":987.165,"end":990.845,"sentiment":"neutral","sentiment_score":-0.26181540489196775},{"text":"We had to cement those, but we've put you into the investment below that, which is the beta shares a 200.","start":990.845,"end":997.02496,"sentiment":"neutral","sentiment_score":0.01440815201827458},{"text":"That investment is actually giving you broader diversification.","start":997.805,"end":1000.94,"sentiment":"neutral","sentiment_score":0.25941951386630535}],"sentiment":"neutral","sentiment_score":-0.0664642833173275,"channel":0,"num_words":70,"start":976.25,"end":1000.94},{"sentences":[{"text":"So instead of having 15 or 25 different companies within the Benelon Fund, you now have exposed the top 200 companies on the ASX.","start":1001.08,"end":1010.22003,"sentiment":"neutral","sentiment_score":0.2705006841570139},{"text":"So it is giving you a lot more diversification, which is helping to lower your risk profile.","start":1010.36,"end":1015.26,"sentiment":"positive","sentiment_score":0.3812839174095322},{"text":"It is more of a passively managed fund, so it is also cheaper, which means more money stays invested in your super for you.","start":1015.455,"end":1021.875,"sentiment":"positive","sentiment_score":0.3836164011930426},{"text":"But it has sort of meant that the market, with the ups and downs and also Venlo having a bit of an effect there, that your portfolio hasn't returned what we sort of have liked it to return for this year.","start":1022.175,"end":1032.66,"sentiment":"neutral","sentiment_score":-0.3253286213773053}],"sentiment":"neutral","sentiment_score":0.0834166336593763,"channel":0,"num_words":106,"start":1001.08,"end":1032.66},{"sentences":[{"text":"Yeah.","start":1033.0,"end":1033.5,"sentiment":"neutral","sentiment_score":0.17499887943267822}],"sentiment":"neutral","sentiment_score":0.17499887943267822,"channel":1,"num_words":1,"start":1033.0,"end":1033.5},{"sentences":[{"text":"Since moving the a 200 in there, it has grown by about 2.92%.","start":1033.12,"end":1038.7201,"sentiment":"positive","sentiment_score":0.3608405658831963},{"text":"So it is good.","start":1038.7201,"end":1039.6,"sentiment":"positive","sentiment_score":0.660698413848877},{"text":"We have seen recovery back from that, but there is still a little bit of a recovery period to have from the Better Long investment being down.","start":1039.6,"end":1047.065,"sentiment":"neutral","sentiment_score":-0.11903792122999828},{"text":"So I'm just letting you know, open and honest, that the markets haven't performed the way we want them to.","start":1047.065,"end":1052.745,"sentiment":"neutral","sentiment_score":-0.022841211594641208},{"text":"Your performance is definitely lower than where we would like it to be this year, but I wanna go back and just review your investments because you are in an older portfolio.","start":1052.745,"end":1061.6901,"sentiment":"neutral","sentiment_score":-0.2912604222074151}],"sentiment":"neutral","sentiment_score":-0.058931881290239595,"channel":0,"num_words":96,"start":1033.12,"end":1061.6901},{"sentences":[{"text":"These investments haven't really been restructured or looked at in the past few years, and it is time to maybe update the portfolio to make sure that your your super is working a little bit harder for you.","start":1061.91,"end":1073.215,"sentiment":"neutral","sentiment_score":-0.07364347675128986},{"text":"Do you have any questions, and are you comfortable with me doing that?","start":1073.275,"end":1076.655,"sentiment":"neutral","sentiment_score":0.026256906155210275}],"sentiment":"neutral","sentiment_score":-0.048178673265319244,"channel":0,"num_words":51,"start":1061.91,"end":1076.655},{"sentences":[{"text":"Yeah.","start":1077.8201,"end":1078.2201,"sentiment":"neutral","sentiment_score":0.07303345203399658},{"text":"I've always been wanted I'm happy to play a little bit more conservative because you hear the stories of people who, yeah, they've had really high gain things, and then they lose it all and get, like, yeah.","start":1078.2201,"end":1101.0701,"sentiment":"neutral","sentiment_score":0.1138960711265865},{"text":"So I've always been a little bit more on the conservative side.","start":1101.53,"end":1104.51,"sentiment":"neutral","sentiment_score":0.14053705396751562}],"sentiment":"neutral","sentiment_score":0.11936330985204846,"channel":1,"num_words":51,"start":1077.8201,"end":1104.51},{"sentences":[{"text":"Yep.","start":1105.3451,"end":1105.8451,"sentiment":"neutral","sentiment_score":0.21856294572353363}],"sentiment":"neutral","sentiment_score":0.21856294572353363,"channel":0,"num_words":1,"start":1105.3451,"end":1105.8451},{"sentences":[{"text":"I'm happy to go with, like, the best judgment on what's gonna get me a satisfactory amount that's safe?","start":1107.13,"end":1116.515,"sentiment":"positive","sentiment_score":0.3582123659159008}],"sentiment":"positive","sentiment_score":0.3582123659159008,"channel":1,"num_words":19,"start":1107.13,"end":1116.515},{"sentences":[{"text":"Yeah.","start":1117.5599,"end":1118.0599,"sentiment":"neutral","sentiment_score":0.07746993750333786}],"sentiment":"neutral","sentiment_score":0.07746993750333786,"channel":0,"num_words":1,"start":1117.5599,"end":1118.0599},{"sentences":[{"text":"Or as well, as safe as it can be.","start":1120.655,"end":1122.655,"sentiment":"neutral","sentiment_score":0.1556947421696451},{"text":"I know that there's inherent risk.","start":1122.655,"end":1124.435,"sentiment":"neutral","sentiment_score":-0.1581722932557265},{"text":"There's a or","start":1124.5751,"end":1125.535,"sentiment":"neutral","sentiment_score":-0.09897333631912868}],"sentiment":"neutral","sentiment_score":0.008627717279725604,"channel":1,"num_words":18,"start":1120.655,"end":1125.535},{"sentences":[{"text":"Yeah.","start":1125.515,"end":1126.015,"sentiment":"neutral","sentiment_score":-0.03018931671977043}],"sentiment":"neutral","sentiment_score":-0.03018931671977043,"channel":0,"num_words":1,"start":1125.515,"end":1126.015},{"sentences":[{"text":"or inherent risk and everything, but,","start":1125.535,"end":1127.76,"sentiment":"neutral","sentiment_score":-0.05904467993726333}],"sentiment":"neutral","sentiment_score":-0.05904467993726333,"channel":1,"num_words":6,"start":1125.535,"end":1127.76},{"sentences":[{"text":"Yeah.","start":1128.235,"end":1128.735,"sentiment":"neutral","sentiment_score":0.023692212998867035}],"sentiment":"neutral","sentiment_score":0.023692212998867035,"channel":0,"num_words":1,"start":1128.235,"end":1128.735},{"sentences":[{"text":"yeah, mitigated risk is much better for me, I think.","start":1129.28,"end":1133.06,"sentiment":"neutral","sentiment_score":0.12591213062405587}],"sentiment":"neutral","sentiment_score":0.12591213062405587,"channel":1,"num_words":10,"start":1129.28,"end":1133.06},{"sentences":[{"text":"Yeah.","start":1133.515,"end":1133.9149,"sentiment":"neutral","sentiment_score":-0.001880742609500885},{"text":"No.","start":1133.9149,"end":1134.1549,"sentiment":"neutral","sentiment_score":-0.0901869386434555},{"text":"Absolutely.","start":1134.1549,"end":1134.6549,"sentiment":"neutral","sentiment_score":0.02632943168282509},{"text":"That's understandable.","start":1134.875,"end":1135.615,"sentiment":"neutral","sentiment_score":0.033503131940960884},{"text":"So from what I can sort of see here, I'll go back and kinda review your portfolio a little bit.","start":1135.995,"end":1141.8999,"sentiment":"neutral","sentiment_score":0.05397687014192343}],"sentiment":"neutral","sentiment_score":0.043232216686010363,"channel":0,"num_words":25,"start":1133.515,"end":1141.8999},{"sentences":[{"text":"But I definitely maybe wanted to look at doing a bit of a risk profile questionnaire as well just to sort of see where you are sitting, because you did kinda mention to me that you are more of a conservative sort of person.","start":1141.8999,"end":1153.395,"sentiment":"neutral","sentiment_score":0.12791146092455496},{"text":"When I sort of had a look back at your super, it looks like you might be in kind of that growth or high growth space.","start":1153.775,"end":1159.875,"sentiment":"neutral","sentiment_score":0.11167887669916336},{"text":"When we first signed you up on in 2021, I know they recommended more of a high growth portfolio.","start":1160.175,"end":1166.1399,"sentiment":"neutral","sentiment_score":0.17058291874433817},{"text":"And it looks like you've probably maintained most of that kind of high growth sort of asset allocation.","start":1166.84,"end":1172.2999,"sentiment":"neutral","sentiment_score":0.19282111277182898}],"sentiment":"neutral","sentiment_score":0.1424636501018132,"channel":0,"num_words":107,"start":1141.8999,"end":1172.2999},{"sentences":[{"text":"Yeah.","start":1173.4851,"end":1173.9851,"sentiment":"neutral","sentiment_score":0.1953714489936829}],"sentiment":"neutral","sentiment_score":0.1953714489936829,"channel":1,"num_words":1,"start":1173.4851,"end":1173.9851},{"sentences":[{"text":"There's nothing wrong with that for your agent stays.","start":1174.525,"end":1177.405,"sentiment":"neutral","sentiment_score":0.2110748224788242},{"text":"That high growth environment, you are taking a bit more risk.","start":1177.405,"end":1180.285,"sentiment":"neutral","sentiment_score":0.016255255449901928},{"text":"You're generally seeing about 90% invested in equity markets with a bit of, you know, commodities like gold and silver, and then still having about 10% defensive there.","start":1180.285,"end":1190.08,"sentiment":"neutral","sentiment_score":0.0897991441722427},{"text":"We do expect the likelihood of a negative year, probably one in every five years for this kind of environment.","start":1190.5399,"end":1196.08,"sentiment":"negative","sentiment_score":-0.4354649052023888},{"text":"And with the risk profile, you're kind of expecting an average rate of return of eight to 10%.","start":1196.22,"end":1201.6799,"sentiment":"neutral","sentiment_score":-0.1079166562606891}],"sentiment":"neutral","sentiment_score":-0.07045279846115168,"channel":0,"num_words":86,"start":1174.525,"end":1201.6799},{"sentences":[{"text":"In saying that, with the kind of volatility that can be seen from this high growth environment, it could be plus or minus extra 14%.","start":1202.115,"end":1209.875,"sentiment":"neutral","sentiment_score":-0.035960313826799394},{"text":"So from that 10%, at a good year, you can have it extra at 14% added on there, like, with the when the markets are doing well, see really good gains.","start":1209.875,"end":1218.77,"sentiment":"neutral","sentiment_score":0.3104562692103847},{"text":"However, when the years are quite negative from that expected 8%, you can always expect a low of 14% less than that which puts you into the negative.","start":1219.2301,"end":1228.05,"sentiment":"negative","sentiment_score":-0.44924305618873667},{"text":"So, realistically, it's about taking on the level of risk that you're comfortable with.","start":1228.11,"end":1233.5549,"sentiment":"neutral","sentiment_score":-0.10903610821281161}],"sentiment":"neutral","sentiment_score":-0.05489974069808211,"channel":0,"num_words":98,"start":1202.115,"end":1233.5549},{"sentences":[{"text":"Yeah.","start":1233.96,"end":1234.46,"sentiment":"neutral","sentiment_score":0.12804314494132996}],"sentiment":"neutral","sentiment_score":0.12804314494132996,"channel":1,"num_words":1,"start":1233.96,"end":1234.46},{"sentences":[{"text":"But just because you're younger doesn't mean you have to take more risk.","start":1234.335,"end":1237.615,"sentiment":"neutral","sentiment_score":0.12728373075907046},{"text":"There are other things that can be done.","start":1237.615,"end":1239.215,"sentiment":"positive","sentiment_score":0.5213196612894535},{"text":"I can see you're also making additional contributions to Super as well, and that can if you are wanting to be more conservative, adding more money into super can kind of help to mitigate the risk and close the gap a bit because you're investing more regularly and increasing the amount you're contributing.","start":1239.215,"end":1255.75,"sentiment":"positive","sentiment_score":0.5851148861759113},{"text":"So that can also have a really good factor there for you.","start":1255.81,"end":1258.7101,"sentiment":"positive","sentiment_score":0.6436192978483936},{"text":"With with that, I just wanted to run through just a couple of questions to kinda gauge where your risk profiling might sort of fit for the moment.","start":1260.985,"end":1268.685,"sentiment":"neutral","sentiment_score":0.01740627928770014}],"sentiment":"positive","sentiment_score":0.3951503697521331,"channel":0,"num_words":114,"start":1234.335,"end":1268.685},{"sentences":[{"text":"Yep.","start":1269.265,"end":1269.765,"sentiment":"neutral","sentiment_score":0.0527646541595459}],"sentiment":"neutral","sentiment_score":0.0527646541595459,"channel":1,"num_words":1,"start":1269.265,"end":1269.765},{"sentences":[{"text":"Just the first one here is have you ever invested in equity markets in your own name?","start":1269.785,"end":1274.23,"sentiment":"neutral","sentiment_score":0.03706458769738674},{"text":"Do you own any shares or cryptocurrency or anything?","start":1274.23,"end":1277.29,"sentiment":"neutral","sentiment_score":0.015625950776868396}],"sentiment":"neutral","sentiment_score":0.029643521071053468,"channel":0,"num_words":26,"start":1269.785,"end":1277.29},{"sentences":[{"text":"No.","start":1277.88,"end":1278.3601,"sentiment":"neutral","sentiment_score":-0.0807381272315979},{"text":"Although in hindsight, I should have gotten to that a number of years ago, but no.","start":1278.3601,"end":1282.9401,"sentiment":"neutral","sentiment_score":-0.1291847275570035}],"sentiment":"neutral","sentiment_score":-0.126334927537862,"channel":1,"num_words":17,"start":1277.88,"end":1282.9401},{"sentences":[{"text":"No.","start":1283.75,"end":1283.99,"sentiment":"neutral","sentiment_score":-0.116055428981781},{"text":"That's okay.","start":1283.99,"end":1284.81,"sentiment":"neutral","sentiment_score":0.17579272016882896},{"text":"That's a beautiful thing, isn't it?","start":1285.3049,"end":1287.245,"sentiment":"positive","sentiment_score":0.6478245059649149},{"text":"I've ticked the box to say you've got a bit of time.","start":1289.7849,"end":1291.945,"sentiment":"neutral","sentiment_score":0.00722674288166066},{"text":"You can't actually access it because at the age of 60, so, realistically, you have longer than ten years ahead of you before accessing them.","start":1291.945,"end":1298.6849,"sentiment":"neutral","sentiment_score":-0.10379728272557259}],"sentiment":"neutral","sentiment_score":0.03509273681708652,"channel":0,"num_words":46,"start":1283.75,"end":1298.6849},{"sentences":[{"text":"Yeah.","start":1299.205,"end":1299.705,"sentiment":"neutral","sentiment_score":-0.018519487231969833}],"sentiment":"neutral","sentiment_score":-0.018519487231969833,"channel":1,"num_words":1,"start":1299.205,"end":1299.705},{"sentences":[{"text":"The next the next question here is about inflation, and it says inflation means that things are getting more expensive over time, which makes your money worth less.","start":1299.9501,"end":1308.05,"sentiment":"neutral","sentiment_score":-0.14870616540844953},{"text":"The question is when you think about your super, are you comfortable taking on a higher level of risk to try and get those greater returns?","start":1308.35,"end":1315.495,"sentiment":"neutral","sentiment_score":-0.1271416928905707},{"text":"Are you comfortable taking on a moderate or medium amount of risk to get those higher returns or average returns?","start":1316.515,"end":1322.135,"sentiment":"neutral","sentiment_score":-0.07806219831109047},{"text":"Or are you not comfortable with risk in the market knowing the returns are lower?","start":1322.515,"end":1326.5349,"sentiment":"neutral","sentiment_score":-0.23753192325433095},{"text":"Where do you sort of sit on that scale?","start":1327.1549,"end":1329.09,"sentiment":"neutral","sentiment_score":-0.10267287327183618}],"sentiment":"neutral","sentiment_score":-0.13793607470484412,"channel":0,"num_words":98,"start":1299.9501,"end":1329.09},{"sentences":[{"text":"And you can go in between if you like.","start":1329.09,"end":1331.27,"sentiment":"neutral","sentiment_score":-0.0081136930319998}],"sentiment":"neutral","sentiment_score":-0.0081136930319998,"channel":0,"num_words":9,"start":1329.09,"end":1331.27},{"sentences":[{"text":"I'd probably be in the middle somewhere.","start":1332.4401,"end":1335.3401,"sentiment":"neutral","sentiment_score":-0.07012511151177543},{"text":"Like, I don't","start":1335.4,"end":1336.4401,"sentiment":"neutral","sentiment_score":-0.053044527769088745}],"sentiment":"neutral","sentiment_score":-0.06500093638896942,"channel":1,"num_words":10,"start":1332.4401,"end":1336.4401},{"sentences":[{"text":"Mhmm.","start":1336.29,"end":1336.79,"sentiment":"neutral","sentiment_score":-0.08322370052337646}],"sentiment":"neutral","sentiment_score":-0.08322370052337646,"channel":0,"num_words":1,"start":1336.29,"end":1336.79},{"sentences":[{"text":"mind taking some risks, but I don't want to get into a position where I lose half my super.","start":1336.4401,"end":1344.575,"sentiment":"neutral","sentiment_score":-0.24214263848568263},{"text":"So I'm I'm sort of in the middle.","start":1345.515,"end":1347.755,"sentiment":"neutral","sentiment_score":-0.11461317166686058},{"text":"I don't mind some risk, but I don't want complete risk, I guess.","start":1347.755,"end":1353.695,"sentiment":"neutral","sentiment_score":-0.18351274671462867}],"sentiment":"neutral","sentiment_score":-0.19758203029632568,"channel":1,"num_words":40,"start":1336.4401,"end":1353.695},{"sentences":[{"text":"Mhmm.","start":1353.6749,"end":1354.075,"sentiment":"neutral","sentiment_score":-0.031624238938093185},{"text":"Yeah.","start":1354.075,"end":1354.3949,"sentiment":"neutral","sentiment_score":-0.015078453347086906},{"text":"No.","start":1354.3949,"end":1354.635,"sentiment":"neutral","sentiment_score":-0.0818231999874115},{"text":"That's okay.","start":1354.635,"end":1355.2749,"sentiment":"neutral","sentiment_score":0.007922912598587574},{"text":"That's not a problem at all.","start":1355.2749,"end":1356.8949,"sentiment":"neutral","sentiment_score":0.08762708678841591}],"sentiment":"neutral","sentiment_score":0.03755295033227991,"channel":0,"num_words":11,"start":1353.6749,"end":1356.8949},{"sentences":[{"text":"The next one here is how would you feel if you saw your super fall by 20% due to external market factors in, say, the next one to two years?","start":1357.3301,"end":1364.9501,"sentiment":"neutral","sentiment_score":-0.18194434680044652},{"text":"Do you think you'd be wanting to take advantage of the market dip and put a bit of money into the market?","start":1365.3301,"end":1370.7101,"sentiment":"neutral","sentiment_score":-0.19269769063050096},{"text":"Are you likely to hold and wait and speak to us and see what we suggest to do, or are you feeling a bit concerned about the markets and maybe wanting to sell the investments to cash?","start":1371.005,"end":1380.7051,"sentiment":"neutral","sentiment_score":-0.2641399808832117}],"sentiment":"neutral","sentiment_score":-0.21877369539958708,"channel":0,"num_words":89,"start":1357.3301,"end":1380.7051},{"sentences":[{"text":"Oh, I probably am happy to you guys have done a pretty good job so far, so I'm happy to go with your best judgment or best recommendations at this stage.","start":1381.6,"end":1391.3799,"sentiment":"positive","sentiment_score":0.6629886579129004}],"sentiment":"positive","sentiment_score":0.6629886579129004,"channel":1,"num_words":31,"start":1381.6,"end":1391.3799},{"sentences":[{"text":"Yep.","start":1391.36,"end":1391.86,"sentiment":"neutral","sentiment_score":0.2407698631286621},{"text":"Yep.","start":1392.16,"end":1392.66,"sentiment":"neutral","sentiment_score":0.3204350471496582},{"text":"Beautiful.","start":1393.28,"end":1393.78,"sentiment":"positive","sentiment_score":0.7198890447616577},{"text":"Excellent.","start":1394.8,"end":1395.3,"sentiment":"positive","sentiment_score":0.7075294256210327},{"text":"And the last one here is seeing a super full in value, how does that make you feel?","start":1395.6799,"end":1400.5,"sentiment":"positive","sentiment_score":0.46213185290495556}],"sentiment":"positive","sentiment_score":0.4684998514977368,"channel":0,"num_words":22,"start":1391.36,"end":1400.5},{"sentences":[{"text":"Are you feeling optimistic about the investment opportunities ahead?","start":1400.705,"end":1404.085,"sentiment":"neutral","sentiment_score":0.17461035483413273},{"text":"Are you cautious, concerned, or feeling a bit anxious knowing you're looking at the super balance having dropped?","start":1404.225,"end":1409.365,"sentiment":"neutral","sentiment_score":-0.13365529560380512}],"sentiment":"neutral","sentiment_score":-0.03090007879115917,"channel":0,"num_words":27,"start":1400.705,"end":1409.365},{"sentences":[{"text":"I won't be happy about it, but","start":1410.4299,"end":1412.9299,"sentiment":"neutral","sentiment_score":-0.24921514519623347}],"sentiment":"neutral","sentiment_score":-0.24921514519623347,"channel":1,"num_words":7,"start":1410.4299,"end":1412.9299},{"sentences":[{"text":"Mhmm.","start":1412.945,"end":1413.42,"sentiment":"neutral","sentiment_score":-0.14591529965400696}],"sentiment":"neutral","sentiment_score":-0.14591529965400696,"channel":0,"num_words":1,"start":1412.945,"end":1413.42},{"sentences":[{"text":"it's one of well, as I said, it's one of those things that has inherent risk.","start":1413.07,"end":1417.09,"sentiment":"neutral","sentiment_score":-0.22102773562073708},{"text":"So I would be disappointed if I saw a significant drop.","start":1417.71,"end":1423.295,"sentiment":"negative","sentiment_score":-0.3395167724652724},{"text":"But,","start":1423.755,"end":1424.255,"sentiment":"neutral","sentiment_score":-0.09976319968700408}],"sentiment":"neutral","sentiment_score":-0.26324612381202833,"channel":1,"num_words":28,"start":1413.07,"end":1424.255},{"sentences":[{"text":"Mhmm.","start":1424.2201,"end":1424.7201,"sentiment":"neutral","sentiment_score":-0.048818111419677734}],"sentiment":"neutral","sentiment_score":-0.048818111419677734,"channel":0,"num_words":1,"start":1424.2201,"end":1424.7201},{"sentences":[{"text":"yeah, it I'm not going to panic sell and all that","start":1426.235,"end":1431.755,"sentiment":"neutral","sentiment_score":-0.08067870546470989}],"sentiment":"neutral","sentiment_score":-0.08067870546470989,"channel":1,"num_words":11,"start":1426.235,"end":1431.755},{"sentences":[{"text":"Yeah.","start":1431.515,"end":1432.015,"sentiment":"neutral","sentiment_score":-0.05345504730939865}],"sentiment":"neutral","sentiment_score":-0.05345504730939865,"channel":0,"num_words":1,"start":1431.515,"end":1432.015},{"sentences":[{"text":"stuff either.","start":1431.755,"end":1432.635,"sentiment":"neutral","sentiment_score":-0.04858274571597576},{"text":"So","start":1432.635,"end":1432.95,"sentiment":"neutral","sentiment_score":0.10283833742141724}],"sentiment":"neutral","sentiment_score":0.001890948663155238,"channel":1,"num_words":3,"start":1431.755,"end":1432.95},{"sentences":[{"text":"Yep.","start":1433.5951,"end":1434.0751,"sentiment":"neutral","sentiment_score":0.17095547914505005},{"text":"That's perfect.","start":1434.0751,"end":1435.055,"sentiment":"positive","sentiment_score":0.48814937472343445},{"text":"Excellent.","start":1435.1951,"end":1435.6951,"sentiment":"positive","sentiment_score":0.40611451864242554},{"text":"And the last one here is have you ever thought about borrowing to invest in shares or manage funds, or would you only ever borrow for, say, an investment property or just comfortable having borrowed for your own property that you live in?","start":1436.2351,"end":1449.2301,"sentiment":"neutral","sentiment_score":0.036139720401098564}],"sentiment":"neutral","sentiment_score":0.06611439839322517,"channel":0,"num_words":47,"start":1433.5951,"end":1449.2301},{"sentences":[{"text":"If in a position, I I might consider other options.","start":1450.485,"end":1454.005,"sentiment":"neutral","sentiment_score":-0.012070266157388687},{"text":"But at the moment, I'm just","start":1454.005,"end":1455.205,"sentiment":"neutral","sentiment_score":0.011175214623411497}],"sentiment":"neutral","sentiment_score":-0.0033532108645886183,"channel":1,"num_words":16,"start":1450.485,"end":1455.205},{"sentences":[{"text":"Yep.","start":1454.9701,"end":1455.255,"sentiment":"neutral","sentiment_score":0.1310291290283203}],"sentiment":"neutral","sentiment_score":0.1310291290283203,"channel":0,"num_words":1,"start":1454.9701,"end":1455.255},{"sentences":[{"text":"happy to have my house and do the renovations I need to get it fixed up.","start":1455.205,"end":1461.1901,"sentiment":"neutral","sentiment_score":0.17516096774488688},{"text":"So","start":1461.1901,"end":1461.6901,"sentiment":"neutral","sentiment_score":0.018024340271949768}],"sentiment":"neutral","sentiment_score":0.16591763671706705,"channel":1,"num_words":17,"start":1455.205,"end":1461.6901},{"sentences":[{"text":"Yep.","start":1462.615,"end":1463.115,"sentiment":"neutral","sentiment_score":0.02253180742263794}],"sentiment":"neutral","sentiment_score":0.02253180742263794,"channel":0,"num_words":1,"start":1462.615,"end":1463.115},{"sentences":[{"text":"it's something that I'd consider down the line, but it's not something that's necessarily on the horizon.","start":1462.7101,"end":1470.81,"sentiment":"neutral","sentiment_score":-0.011446698185275583},{"text":"That's something I'd consider","start":1471.115,"end":1472.015,"sentiment":"neutral","sentiment_score":0.016498619690537453}],"sentiment":"neutral","sentiment_score":-0.006123780494644528,"channel":1,"num_words":21,"start":1462.7101,"end":1472.015},{"sentences":[{"text":"Yep.","start":1471.99,"end":1472.49,"sentiment":"neutral","sentiment_score":0.021650513634085655}],"sentiment":"neutral","sentiment_score":0.021650513634085655,"channel":0,"num_words":1,"start":1471.99,"end":1472.49},{"sentences":[{"text":"down the track.","start":1472.0751,"end":1472.975,"sentiment":"neutral","sentiment_score":0.02670167200267315}],"sentiment":"neutral","sentiment_score":0.02670167200267315,"channel":1,"num_words":3,"start":1472.0751,"end":1472.975},{"sentences":[{"text":"Yeah.","start":1473.51,"end":1473.8301,"sentiment":"neutral","sentiment_score":0.07978688180446625},{"text":"That's absolutely fine.","start":1473.8301,"end":1475.11,"sentiment":"neutral","sentiment_score":0.13408566017945608},{"text":"Not a problem.","start":1475.11,"end":1475.91,"sentiment":"neutral","sentiment_score":0.09425637622674306},{"text":"Well, thank you so much for answering those questions.","start":1475.91,"end":1478.01,"sentiment":"neutral","sentiment_score":0.22724215024047428},{"text":"Now where you have scored is in that kind of a growth environment there.","start":1478.39,"end":1481.99,"sentiment":"neutral","sentiment_score":0.010818352257566792}],"sentiment":"neutral","sentiment_score":0.09871497582644224,"channel":0,"num_words":30,"start":1473.51,"end":1481.99},{"sentences":[{"text":"So, realistically, that sees us drop the risk level from high growth to growth.","start":1481.99,"end":1486.9049,"sentiment":"neutral","sentiment_score":-0.07209074177912303},{"text":"So you have about 80% in those, like, equity market sort of areas that are high risk investments that see greater potential returns, but, you know, also tend to see the volatility as well.","start":1486.9049,"end":1499.02,"sentiment":"neutral","sentiment_score":-0.03552091187414001},{"text":"And then we sort of have that 20% in low risk defensive investments, the cash bonds and fixed interest.","start":1499.56,"end":1505.3401,"sentiment":"neutral","sentiment_score":-0.0294426791369915},{"text":"That growth kinda area is expecting a return of around about seven to 9% compounded.","start":1505.7201,"end":1510.78,"sentiment":"neutral","sentiment_score":-0.05679845164219539},{"text":"We still can expect the likely likelihood of a negative 10, kind of one in every five years.","start":1511.595,"end":1516.895,"sentiment":"neutral","sentiment_score":-0.16826337575912476}],"sentiment":"neutral","sentiment_score":-0.06657109830528497,"channel":0,"num_words":100,"start":1481.99,"end":1516.895},{"sentences":[{"text":"That growth environment suits someone who's not accessing their funds for about six years.","start":1517.755,"end":1522.575,"sentiment":"neutral","sentiment_score":0.17321743017860822},{"text":"And with the expected volatility, we kind of expect a plus or minus around about 11%.","start":1522.7949,"end":1528.0299,"sentiment":"neutral","sentiment_score":0.11119712563231587},{"text":"So from that nine percent in a good year, you could see an extra 11% on top of that.","start":1528.0299,"end":1532.69,"sentiment":"neutral","sentiment_score":0.3263373139657472},{"text":"In a bad year, from the 7% down, we could also see it if of up to 11%, the other side of things.","start":1532.75,"end":1539.1699,"sentiment":"neutral","sentiment_score":-0.16236335751803024},{"text":"Do you kinda feel comfortable being in that growth kind of environment, or would you wanna be more high growth?","start":1539.945,"end":1545.7849,"sentiment":"neutral","sentiment_score":0.13661221154034137}],"sentiment":"neutral","sentiment_score":0.10220102180281411,"channel":0,"num_words":92,"start":1517.755,"end":1545.7849},{"sentences":[{"text":"How do you sort of feel, and where do you think you fit?","start":1545.7849,"end":1548.365,"sentiment":"neutral","sentiment_score":0.13234992669178888}],"sentiment":"neutral","sentiment_score":0.13234992669178888,"channel":0,"num_words":13,"start":1545.7849,"end":1548.365},{"sentences":[{"text":"I'm I think I'm probably, like I I like the high growth, but as long as it's not too big a risk.","start":1550.635,"end":1563.6,"sentiment":"neutral","sentiment_score":0.08639669519933788},{"text":"And, see, I'm not","start":1564.0,"end":1564.96,"sentiment":"neutral","sentiment_score":-0.07411329727619886}],"sentiment":"neutral","sentiment_score":0.06170285020310145,"channel":1,"num_words":26,"start":1550.635,"end":1564.96},{"sentences":[{"text":"Mhmm.","start":1565.02,"end":1565.325,"sentiment":"neutral","sentiment_score":-0.14893852174282074}],"sentiment":"neutral","sentiment_score":-0.14893852174282074,"channel":0,"num_words":1,"start":1565.02,"end":1565.325},{"sentences":[{"text":"I don't I don't have the knowledge or skills that you have.","start":1565.0399,"end":1568.34,"sentiment":"neutral","sentiment_score":-0.15638529509305954},{"text":"And","start":1569.0399,"end":1569.36,"sentiment":"neutral","sentiment_score":0.0844050794839859}],"sentiment":"neutral","sentiment_score":-0.13786295858713296,"channel":1,"num_words":13,"start":1565.0399,"end":1569.36},{"sentences":[{"text":"Yeah.","start":1569.085,"end":1569.585,"sentiment":"neutral","sentiment_score":0.14135362207889557}],"sentiment":"neutral","sentiment_score":0.14135362207889557,"channel":0,"num_words":1,"start":1569.085,"end":1569.585},{"sentences":[{"text":"so I'm happy to help you go have you guys 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behalf.","start":1576.64,"end":1577.38,"sentiment":"neutral","sentiment_score":0.25386492162942886}],"sentiment":"neutral","sentiment_score":0.25386492162942886,"channel":1,"num_words":2,"start":1576.64,"end":1577.38},{"sentences":[{"text":"Yep.","start":1578.365,"end":1578.845,"sentiment":"neutral","sentiment_score":0.18316185474395752},{"text":"That's okay.","start":1578.845,"end":1579.6649,"sentiment":"neutral","sentiment_score":0.2565788999199867},{"text":"Looking at where you're sort of talking to me about and I'll go back and double check sort of what your exposure looks like in the market at the moment, whether you are growth or more that high growth because I can see conflicting information in the past of our note fee.","start":1580.05,"end":1592.655,"sentiment":"neutral","sentiment_score":-0.017234114930033684},{"text":"But, essentially, what I'll do with what I'm sort of thinking, you've kind of made mention to me that you do feel a bit more on that conservative side of things.","start":1593.055,"end":1601.295,"sentiment":"neutral","sentiment_score":0.13555400938757003},{"text":"And, realistically, for your age and stage, being in that growth environment is honestly absolutely fine.","start":1601.295,"end":1607.475,"sentiment":"neutral","sentiment_score":0.2863932168111205}],"sentiment":"neutral","sentiment_score":0.08416285723739979,"channel":0,"num_words":102,"start":1578.365,"end":1607.475},{"sentences":[{"text":"Normally, for someone of our age, they're either in that high growth environment or that growth environment.","start":1607.82,"end":1613.0399,"sentiment":"neutral","sentiment_score":0.1026184370412546},{"text":"If you just feel like you want a little bit more not so much safer, but little bit more of that low risk effect, having 20% defensive is absolutely fine.","start":1613.4199,"end":1622.895,"sentiment":"neutral","sentiment_score":0.248759725689888},{"text":"Do you sort of think you'd like to be in that middle kind of area growth environment for a little bit longer?","start":1622.895,"end":1628.355,"sentiment":"neutral","sentiment_score":0.10698727145791054},{"text":"We sort of sit there for the time being.","start":1628.8151,"end":1630.735,"sentiment":"neutral","sentiment_score":0.06401432636711332},{"text":"Look at your comfort level moving forward, and then if you feel comfortable to induce the increase the risk level, then we can kinda take that leap down the track.","start":1630.735,"end":1639.65,"sentiment":"neutral","sentiment_score":0.26093148936827976}],"sentiment":"neutral","sentiment_score":0.18486202584096678,"channel":0,"num_words":108,"start":1607.82,"end":1639.65},{"sentences":[{"text":"Does that feel more comfortable to you?","start":1639.71,"end":1641.47,"sentiment":"neutral","sentiment_score":0.24563392571040563},{"text":"Yep.","start":1641.47,"end":1641.97,"sentiment":"neutral","sentiment_score":0.08270566910505295}],"sentiment":"neutral","sentiment_score":0.22526789363473654,"channel":0,"num_words":8,"start":1639.71,"end":1641.97},{"sentences":[{"text":"For me, I probably I wouldn't go into the high risk one.","start":1642.0549,"end":1646.13,"sentiment":"negative","sentiment_score":-0.3501879734297593},{"text":"I just I don't think that's a wise choice for me.","start":1646.13,"end":1648.37,"sentiment":"negative","sentiment_score":-0.3750195123932578},{"text":"I'm happy to stay in the growth area.","start":1648.37,"end":1651.03,"sentiment":"positive","sentiment_score":0.34030769020318985}],"sentiment":"neutral","sentiment_score":-0.18080673535023967,"channel":1,"num_words":31,"start":1642.0549,"end":1651.03},{"sentences":[{"text":"Yep.","start":1650.83,"end":1651.185,"sentiment":"neutral","sentiment_score":0.09603524208068848}],"sentiment":"neutral","sentiment_score":0.09603524208068848,"channel":0,"num_words":1,"start":1650.83,"end":1651.185},{"sentences":[{"text":"I did when we first signed up, I did say the high growth because when I first signed up, I had, like despite having worked since I was 12, I had, like, 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no.","start":1664.145,"end":1665.105,"sentiment":"neutral","sentiment_score":-0.03504687882959843},{"text":"That's","start":1665.105,"end":1665.345,"sentiment":"neutral","sentiment_score":-0.03450288996100426}],"sentiment":"neutral","sentiment_score":-0.027834957279264928,"channel":1,"num_words":10,"start":1662.865,"end":1665.345},{"sentences":[{"text":"Yeah.","start":1665.15,"end":1665.65,"sentiment":"neutral","sentiment_score":-0.04026179760694504}],"sentiment":"neutral","sentiment_score":-0.04026179760694504,"channel":0,"num_words":1,"start":1665.15,"end":1665.65},{"sentences":[{"text":"not gonna be cutting it.","start":1665.345,"end":1667.285,"sentiment":"neutral","sentiment_score":-0.08423068970441819},{"text":"So I did","start":1667.425,"end":1668.225,"sentiment":"neutral","sentiment_score":0.01463153213262558}],"sentiment":"neutral","sentiment_score":-0.04715735651552677,"channel":1,"num_words":8,"start":1665.345,"end":1668.225},{"sentences":[{"text":"Yeah.","start":1668.03,"end":1668.53,"sentiment":"neutral","sentiment_score":0.016079552471637726}],"sentiment":"neutral","sentiment_score":0.016079552471637726,"channel":0,"num_words":1,"start":1668.03,"end":1668.53},{"sentences":[{"text":"say the high growth sort of thing when I first started, but","start":1668.225,"end":1673.19,"sentiment":"neutral","sentiment_score":0.035823647398501635}],"sentiment":"neutral","sentiment_score":0.035823647398501635,"channel":1,"num_words":12,"start":1668.225,"end":1673.19},{"sentences":[{"text":"Yeah.","start":1673.23,"end":1673.73,"sentiment":"neutral","sentiment_score":0.10575716942548752}],"sentiment":"neutral","sentiment_score":0.10575716942548752,"channel":0,"num_words":1,"start":1673.23,"end":1673.73},{"sentences":[{"text":"I'm still happy to be in sort of a growth area.","start":1674.7899,"end":1677.2699,"sentiment":"positive","sentiment_score":0.3485881604931571},{"text":"I don't mind the bit of risk, so I don't it doesn't have to be all defensive.","start":1677.2699,"end":1685.0499,"sentiment":"neutral","sentiment_score":0.06398977251613841},{"text":"But,","start":1685.2699,"end":1685.7699,"sentiment":"neutral","sentiment_score":0.07431849837303162}],"sentiment":"neutral","sentiment_score":0.17229704815765906,"channel":1,"num_words":29,"start":1674.7899,"end":1685.7699},{"sentences":[{"text":"Yeah.","start":1686.445,"end":1686.945,"sentiment":"neutral","sentiment_score":0.11591127514839172}],"sentiment":"neutral","sentiment_score":0.11591127514839172,"channel":0,"num_words":1,"start":1686.445,"end":1686.945},{"sentences":[{"text":"yeah, I probably am happy to go with the growth as opposed to the high growth, if that makes 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so.","start":1701.495,"end":1709.435,"sentiment":"neutral","sentiment_score":0.2975549757480621}],"sentiment":"positive","sentiment_score":0.34091299596954794,"channel":0,"num_words":51,"start":1694.7,"end":1709.435},{"sentences":[{"text":"I can look at all the options, look at where things are tracking for you, look at, you know, the cost of everything.","start":1709.8151,"end":1714.955,"sentiment":"neutral","sentiment_score":0.18604739917361218},{"text":"I also do look at the CGT side of it because your super fund, like, you actually pay income and capital gains that.","start":1715.65,"end":1721.49,"sentiment":"neutral","sentiment_score":0.13014871238366418},{"text":"So whenever I am switching investments or switching funds, I look at the consequences, what that looks like for you, how long it takes to kinda make that money back without additional growth, things like that.","start":1721.49,"end":1732.1849,"sentiment":"neutral","sentiment_score":0.11148749353984992},{"text":"So if you're comfortable, I can have a look at everything, see how it's all tracking, and how we can put you in a better position and reassess the super and also the investments to kind of make sure you're in that growth environment, that the things are working as best they can, and see if we can lessen some fees in the fund for you.","start":1732.1849,"end":1749.86,"sentiment":"neutral","sentiment_score":0.2493483494177009},{"text":"How does that sound?","start":1749.86,"end":1751.0,"sentiment":"neutral","sentiment_score":0.14603986404836178}],"sentiment":"neutral","sentiment_score":0.1863632292829846,"channel":0,"num_words":152,"start":1709.8151,"end":1751.0},{"sentences":[{"text":"Yep.","start":1751.37,"end":1751.7699,"sentiment":"neutral","sentiment_score":0.1753949373960495},{"text":"Sounds 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it.","start":1758.7849,"end":1760.7849,"sentiment":"neutral","sentiment_score":0.2486037790775299}],"sentiment":"neutral","sentiment_score":0.19199380494654178,"channel":0,"num_words":25,"start":1752.82,"end":1760.7849},{"sentences":[{"text":"So I do wanna sort of go back and review that.","start":1760.7849,"end":1763.2849,"sentiment":"neutral","sentiment_score":0.2363769466226751},{"text":"Markets haven't been great, and your portfolio has definitely performed a lot less than what I would like it to do.","start":1763.745,"end":1769.2849,"sentiment":"neutral","sentiment_score":0.004714112728834154},{"text":"But I'm pretty comfortable I can go back and sort of look at a way to boost that for you.","start":1769.505,"end":1773.51,"sentiment":"positive","sentiment_score":0.6169870436191559},{"text":"Do you have any questions currently on any of that at the moment?","start":1773.67,"end":1776.95,"sentiment":"neutral","sentiment_score":0.10803253776752032},{"text":"I know I touch on a lot, and I'm so sorry.","start":1776.95,"end":1779.05,"sentiment":"neutral","sentiment_score":-0.023920780555768448}],"sentiment":"neutral","sentiment_score":0.2128970797026628,"channel":0,"num_words":76,"start":1760.7849,"end":1779.05},{"sentences":[{"text":"No.","start":1779.64,"end":1780.04,"sentiment":"neutral","sentiment_score":-0.058999691158533096},{"text":"You're alright.","start":1780.04,"end":1780.78,"sentiment":"neutral","sentiment_score":-0.015786994248628616},{"text":"I","start":1781.16,"end":1781.66,"sentiment":"neutral","sentiment_score":0.04093434289097786}],"sentiment":"neutral","sentiment_score":-0.012409834191203117,"channel":1,"num_words":4,"start":1779.64,"end":1781.66},{"sentences":[{"text":"Yeah.","start":1781.51,"end":1782.01,"sentiment":"neutral","sentiment_score":0.05990103632211685}],"sentiment":"neutral","sentiment_score":0.05990103632211685,"channel":0,"num_words":1,"start":1781.51,"end":1782.01},{"sentences":[{"text":"don't have any questions at the moment, but 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view.","start":1823.415,"end":1831.975,"sentiment":"neutral","sentiment_score":0.2187030052437502}],"sentiment":"neutral","sentiment_score":0.2889656088430516,"channel":0,"num_words":137,"start":1797.495,"end":1831.975},{"sentences":[{"text":"So are you happy with maybe a six month catch up moving forward as well just to, you know, make sure we're staying on top of everything?","start":1831.975,"end":1838.85,"sentiment":"positive","sentiment_score":0.4193528780230769}],"sentiment":"positive","sentiment_score":0.4193528780230769,"channel":0,"num_words":27,"start":1831.975,"end":1838.85},{"sentences":[{"text":"For sure.","start":1839.47,"end":1840.11,"sentiment":"neutral","sentiment_score":0.15254636853933334},{"text":"I've got no 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bit of trouble if we're having trouble getting a hold of you, it's kind of around that catch up time, I can just shoot you an email with an update of the before performance, talk about what's kinda going on and happening, and then allow you to come back and let me know when you wanna sort of talk, when it suits you just in case it is kind of a busy period and you're not really available at those times at those times.","start":1857.7351,"end":1880.445,"sentiment":"neutral","sentiment_score":0.07310634727279346},{"text":"Is that okay with you?","start":1880.445,"end":1881.905,"sentiment":"neutral","sentiment_score":0.05331043265759945}],"sentiment":"neutral","sentiment_score":0.07287696436119889,"channel":0,"num_words":103,"start":1856.6951,"end":1881.905},{"sentences":[{"text":"Yep.","start":1882.0599,"end":1882.5599,"sentiment":"neutral","sentiment_score":0.0979616641998291},{"text":"That's 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fantastic.","start":1951.5599,"end":1958.7,"sentiment":"positive","sentiment_score":0.4970845565909431}],"sentiment":"positive","sentiment_score":0.5027216563622157,"channel":0,"num_words":30,"start":1945.555,"end":1958.7},{"sentences":[{"text":"It looks like at the moment, it's around about a $103 on a fortnightly basis.","start":1958.84,"end":1963.64,"sentiment":"neutral","sentiment_score":0.17919560472170512},{"text":"Does that sound about 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set them out because the the expenses are quite high?","start":1969.6951,"end":1979.58,"sentiment":"neutral","sentiment_score":0.011864047831831833}],"sentiment":"neutral","sentiment_score":0.11562013800721616,"channel":0,"num_words":48,"start":1966.895,"end":1979.58},{"sentences":[{"text":"I'm happy for the like, to stay at that for the moment, but maybe next time we patch up, it might be worth looking 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not a problem at all.","start":2138.2449,"end":2139.865,"sentiment":"neutral","sentiment_score":0.20811800410350165},{"text":"We also had noted you had some savings in the account, about 14,000 in savings.","start":2140.005,"end":2144.565,"sentiment":"neutral","sentiment_score":0.05604246035218239},{"text":"Do you still have those savings, or is that changed?","start":2144.565,"end":2147.545,"sentiment":"neutral","sentiment_score":0.012119330279529095}],"sentiment":"neutral","sentiment_score":0.07241029538871611,"channel":0,"num_words":34,"start":2137.365,"end":2147.545},{"sentences":[{"text":"Well, with with the way that we're doing our renovations, we actually got money from the bank to sit there so that","start":2148.6,"end":2160.3152,"sentiment":"neutral","sentiment_score":0.027389274656095287}],"sentiment":"neutral","sentiment_score":0.027389274656095287,"channel":1,"num_words":22,"start":2148.6,"end":2160.3152},{"sentences":[{"text":"Yes.","start":2160.24,"end":2160.74,"sentiment":"neutral","sentiment_score":0.05165308713912964}],"sentiment":"neutral","sentiment_score":0.05165308713912964,"channel":0,"num_words":1,"start":2160.24,"end":2160.74},{"sentences":[{"text":"we could get the renovations done.","start":2160.3152,"end":2161.675,"sentiment":"neutral","sentiment_score":0.044818613678216934},{"text":"So we've actually got 90 ish thousand in the bank at the moment.","start":2161.675,"end":2167.9,"sentiment":"neutral","sentiment_score":0.04072887378816421}],"sentiment":"neutral","sentiment_score":0.042020370595549285,"channel":1,"num_words":19,"start":2160.3152,"end":2167.9},{"sentences":[{"text":"Mhmm.","start":2169.425,"end":2169.585,"sentiment":"neutral","sentiment_score":0.0003545968793332577},{"text":"To","start":2169.585,"end":2169.825,"sentiment":"neutral","sentiment_score":-0.010068760253489016}],"sentiment":"neutral","sentiment_score":-0.004857081687077879,"channel":0,"num_words":2,"start":2169.425,"end":2169.825},{"sentences":[{"text":"But,","start":2169.72,"end":2170.22,"sentiment":"neutral","sentiment_score":-0.01342088170349598}],"sentiment":"neutral","sentiment_score":-0.01342088170349598,"channel":1,"num_words":1,"start":2169.72,"end":2170.22},{"sentences":[{"text":"be used for the renovation.","start":2169.825,"end":2171.045,"sentiment":"neutral","sentiment_score":-0.014002885855734348},{"text":"Yep.","start":2171.505,"end":2172.005,"sentiment":"neutral","sentiment_score":0.022376053035259247}],"sentiment":"neutral","sentiment_score":-0.007939729373902082,"channel":0,"num_words":6,"start":2169.825,"end":2172.005},{"sentences":[{"text":"yeah, it could be used for the renovations, but the renovations we're looking at doing aren't anywhere near that at the moment.","start":2171.56,"end":2176.92,"sentiment":"neutral","sentiment_score":-0.00187428913671862},{"text":"And I'm quite happy about the interest it's gaining because they've got so much in the account.","start":2176.92,"end":2182.985,"sentiment":"neutral","sentiment_score":0.23913612698807435},{"text":"So","start":2182.985,"end":2183.485,"sentiment":"neutral","sentiment_score":0.10573415458202362}],"sentiment":"neutral","sentiment_score":0.10324534880928696,"channel":1,"num_words":40,"start":2171.56,"end":2183.485},{"sentences":[{"text":"Yeah.","start":2184.0598,"end":2184.5598,"sentiment":"neutral","sentiment_score":0.18866240978240967},{"text":"Perfect.","start":2186.0598,"end":2186.5598,"sentiment":"neutral","sentiment_score":0.2937176823616028},{"text":"Not a problem at all.","start":2187.0999,"end":2188.5598,"sentiment":"neutral","sentiment_score":0.1854858309030533},{"text":"And is there any other assets or liabilities that we should probably note down as part of the fact signed at all?","start":2188.925,"end":2194.865,"sentiment":"neutral","sentiment_score":0.05613820593465458}],"sentiment":"neutral","sentiment_score":0.09120171645591998,"channel":0,"num_words":29,"start":2184.0598,"end":2194.865},{"sentences":[{"text":"Not that I no.","start":2196.92,"end":2199.0798,"sentiment":"neutral","sentiment_score":-0.036148312501609325},{"text":"There's nothing we haven't got a credit card or anything like that.","start":2199.0798,"end":2202.405,"sentiment":"neutral","sentiment_score":-0.049826527324815593}],"sentiment":"neutral","sentiment_score":-0.046406973619014025,"channel":1,"num_words":16,"start":2196.92,"end":2202.405},{"sentences":[{"text":"Nope.","start":2203.26,"end":2203.5,"sentiment":"neutral","sentiment_score":0.0020292624831199646},{"text":"That's okay.","start":2203.5,"end":2204.32,"sentiment":"neutral","sentiment_score":0.08188356831669807},{"text":"Perfect.","start":2205.02,"end":2205.52,"sentiment":"positive","sentiment_score":0.4052053093910218},{"text":"Beautiful.","start":2207.1,"end":2207.6,"sentiment":"positive","sentiment_score":0.4868863821029663}],"sentiment":"neutral","sentiment_score":0.21157761812210082,"channel":0,"num_words":5,"start":2203.26,"end":2207.6},{"sentences":[{"text":"So","start":2207.205,"end":2207.705,"sentiment":"positive","sentiment_score":0.3899892270565033}],"sentiment":"positive","sentiment_score":0.3899892270565033,"channel":1,"num_words":1,"start":2207.205,"end":2207.705},{"sentences":[{"text":"Excellent.","start":2207.9001,"end":2208.4001,"sentiment":"positive","sentiment_score":0.5426852703094482},{"text":"That's beautiful.","start":2208.9402,"end":2209.9001,"sentiment":"positive","sentiment_score":0.5697695016860962},{"text":"Thank you for that.","start":2209.9001,"end":2211.04,"sentiment":"positive","sentiment_score":0.6187125593423843},{"text":"The other thing to sort of talk about is the estate planning aspect.","start":2211.26,"end":2214.06,"sentiment":"neutral","sentiment_score":0.08216504523387322},{"text":"So I just had a quick look at your statement.","start":2214.06,"end":2215.54,"sentiment":"neutral","sentiment_score":0.05686244182288647}],"sentiment":"neutral","sentiment_score":0.19312815057734647,"channel":0,"num_words":30,"start":2207.9001,"end":2215.54},{"sentences":[{"text":"I can see you've not got any beneficiary nominations on file.","start":2215.54,"end":2219.215,"sentiment":"neutral","sentiment_score":-0.08984146978367459},{"text":"So I do wanna make sure that that is updated because at the moment, we're not having a beneficiary on your super fund.","start":2219.215,"end":2225.555,"sentiment":"neutral","sentiment_score":-0.07915861264843008},{"text":"If you were to pass away, that money has to go through a bit of a probate process.","start":2225.935,"end":2229.955,"sentiment":"neutral","sentiment_score":-0.13282565689749187},{"text":"Now just confirming, I don't like to make assumptions, but where would you realistically want your money to be paid to if you were to pass away?","start":2231.06,"end":2240.04,"sentiment":"neutral","sentiment_score":-0.09349881636875647}],"sentiment":"neutral","sentiment_score":-0.09777511550184292,"channel":0,"num_words":79,"start":2215.54,"end":2240.04},{"sentences":[{"text":"I'm a wife.","start":2240.5852,"end":2241.24,"sentiment":"neutral","sentiment_score":0.026608283321062725}],"sentiment":"neutral","sentiment_score":0.026608283321062725,"channel":1,"num_words":3,"start":2240.5852,"end":2241.24},{"sentences":[{"text":"Perfect.","start":2242.5,"end":2242.9,"sentiment":"positive","sentiment_score":0.4292493462562561},{"text":"And that's Michelle?","start":2242.9,"end":2243.88,"sentiment":"neutral","sentiment_score":0.18776990473270416}],"sentiment":"neutral","sentiment_score":0.24813976511359215,"channel":0,"num_words":4,"start":2242.5,"end":2243.88},{"sentences":[{"text":"Yes.","start":2244.44,"end":2244.94,"sentiment":"neutral","sentiment_score":0.1259690225124359},{"text":"Yep.","start":2245.0,"end":2245.5,"sentiment":"neutral","sentiment_score":0.15415343642234802}],"sentiment":"neutral","sentiment_score":0.14006122946739197,"channel":1,"num_words":2,"start":2244.44,"end":2245.5},{"sentences":[{"text":"Yeah.","start":2245.855,"end":2246.335,"sentiment":"neutral","sentiment_score":0.27444684505462646},{"text":"Beautiful.","start":2246.335,"end":2246.835,"sentiment":"positive","sentiment_score":0.6024432182312012},{"text":"Beautiful.","start":2246.8948,"end":2247.3948,"sentiment":"positive","sentiment_score":0.6158782243728638},{"text":"I will, as part of the the advice, update the beneficiary aspect before you make a recommendation.","start":2248.255,"end":2253.315,"sentiment":"neutral","sentiment_score":0.28261246225413156},{"text":"But it is really important we do have those beneficiaries on file because, essentially, if you would have passed away today, having its own little probate process, it means that people can come forward and stake a claim on your super.","start":2254.095,"end":2265.81,"sentiment":"neutral","sentiment_score":0.1923030740240725}],"sentiment":"neutral","sentiment_score":0.23248534722894917,"channel":0,"num_words":61,"start":2245.855,"end":2265.81},{"sentences":[{"text":"Obviously, there's no guarantees they're gonna get any of it, and, you know, it can just make life a little harder for Michelle in the event that she was trying to claim against this super there.","start":2266.5898,"end":2276.035,"sentiment":"neutral","sentiment_score":0.039475165928403534},{"text":"So having those beneficiaries in place just makes it so much easier and more streamlined in the event that she ever did have to claim.","start":2276.035,"end":2282.9348,"sentiment":"positive","sentiment_score":0.38125457882881164},{"text":"Okay.","start":2282.9949,"end":2283.4949,"sentiment":"neutral","sentiment_score":0.21357223391532895}],"sentiment":"neutral","sentiment_score":0.18009746254932496,"channel":0,"num_words":62,"start":2266.5898,"end":2283.4949},{"sentences":[{"text":"Yep.","start":2284.1648,"end":2284.6648,"sentiment":"neutral","sentiment_score":0.2706202566623688},{"text":"I'm happy to","start":2284.9648,"end":2285.6848,"sentiment":"positive","sentiment_score":0.5630472997824351}],"sentiment":"positive","sentiment_score":0.4899405390024185,"channel":1,"num_words":4,"start":2284.1648,"end":2285.6848},{"sentences":[{"text":"Excellent.","start":2285.555,"end":2286.055,"sentiment":"positive","sentiment_score":0.5866208076477051}],"sentiment":"positive","sentiment_score":0.5866208076477051,"channel":0,"num_words":1,"start":2285.555,"end":2286.055},{"sentences":[{"text":"note down Michelle as my beneficiary.","start":2285.6848,"end":2288.7449,"sentiment":"positive","sentiment_score":0.34710437804460526}],"sentiment":"positive","sentiment_score":0.34710437804460526,"channel":1,"num_words":6,"start":2285.6848,"end":2288.7449},{"sentences":[{"text":"Beneficiary?","start":2289.29,"end":2289.79,"sentiment":"neutral","sentiment_score":0.18383383750915527},{"text":"Yeah.","start":2290.09,"end":2290.4102,"sentiment":"neutral","sentiment_score":0.32226672768592834},{"text":"Beautiful.","start":2290.4102,"end":2290.9102,"sentiment":"positive","sentiment_score":0.6291402578353882},{"text":"I can even get my team, if you're comfortable with us to do so, pre fill the documents for you with the information and send it out to you.","start":2291.21,"end":2297.77,"sentiment":"positive","sentiment_score":0.5024895246686607},{"text":"That way, you just have to sign and get a witness, and it's all kind of prefilled, make it a little bit easier on 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at times, but I'll do","start":2309.675,"end":2314.235,"sentiment":"neutral","sentiment_score":-0.10971296537253591}],"sentiment":"neutral","sentiment_score":-0.10971296537253591,"channel":1,"num_words":9,"start":2309.675,"end":2314.235},{"sentences":[{"text":"Don't","start":2314.155,"end":2314.395,"sentiment":"neutral","sentiment_score":-0.058122843503952026}],"sentiment":"neutral","sentiment_score":-0.058122843503952026,"channel":0,"num_words":1,"start":2314.155,"end":2314.395},{"sentences":[{"text":"my","start":2314.235,"end":2314.475,"sentiment":"neutral","sentiment_score":-0.08786191791296005}],"sentiment":"neutral","sentiment_score":-0.08786191791296005,"channel":1,"num_words":1,"start":2314.235,"end":2314.475},{"sentences":[{"text":"worry.","start":2314.395,"end":2314.895,"sentiment":"neutral","sentiment_score":-0.07222549617290497}],"sentiment":"neutral","sentiment_score":-0.07222549617290497,"channel":0,"num_words":1,"start":2314.395,"end":2314.895},{"sentences":[{"text":"best, do 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regularly.","start":2323.12,"end":2326.58,"sentiment":"positive","sentiment_score":0.4299667663872242}],"sentiment":"neutral","sentiment_score":0.3168280284319605,"channel":0,"num_words":28,"start":2320.32,"end":2326.58},{"sentences":[{"text":"So I'll make sure I can help you to do that.","start":2326.72,"end":2329.605,"sentiment":"positive","sentiment_score":0.33710992336273193},{"text":"Did","start":2329.845,"end":2330.005,"sentiment":"neutral","sentiment_score":0.2285815626382828}],"sentiment":"neutral","sentiment_score":0.3280658933023612,"channel":0,"num_words":12,"start":2326.72,"end":2330.005},{"sentences":[{"text":"Beautiful.","start":2329.99,"end":2330.49,"sentiment":"neutral","sentiment_score":0.11368026584386826}],"sentiment":"neutral","sentiment_score":0.11368026584386826,"channel":1,"num_words":1,"start":2329.99,"end":2330.49},{"sentences":[{"text":"you want us to free fill Michelle's details for you to make it a little bit easier on you?","start":2330.005,"end":2334.425,"sentiment":"neutral","sentiment_score":0.08270411507079475}],"sentiment":"neutral","sentiment_score":0.08270411507079475,"channel":0,"num_words":19,"start":2330.005,"end":2334.425},{"sentences":[{"text":"No.","start":2335.19,"end":2335.35,"sentiment":"neutral","sentiment_score":-0.029597889631986615},{"text":"That's fine.","start":2335.35,"end":2335.935,"sentiment":"neutral","sentiment_score":0.04575038701295853},{"text":"I can put in","start":2335.935,"end":2336.835,"sentiment":"neutral","sentiment_score":0.03260125685483217}],"sentiment":"neutral","sentiment_score":0.02747255883046559,"channel":1,"num_words":7,"start":2335.19,"end":2336.835},{"sentences":[{"text":"That's okay?","start":2336.965,"end":2337.705,"sentiment":"neutral","sentiment_score":0.05096639692783356}],"sentiment":"neutral","sentiment_score":0.05096639692783356,"channel":0,"num_words":2,"start":2336.965,"end":2337.705},{"sentences":[{"text":"the relevant details and stuff like that, I think.","start":2337.455,"end":2340.435,"sentiment":"neutral","sentiment_score":0.05294064866999785}],"sentiment":"neutral","sentiment_score":0.05294064866999785,"channel":1,"num_words":9,"start":2337.455,"end":2340.435},{"sentences":[{"text":"Yeah.","start":2341.125,"end":2341.525,"sentiment":"neutral","sentiment_score":0.10297904163599014},{"text":"No worries at all.","start":2341.525,"end":2342.73,"sentiment":"neutral","sentiment_score":0.12113836407661438},{"text":"And have you guys talked about doing up a power of attorney, will, or any other estate planning documents with a solicitor in the past?","start":2343.21,"end":2349.95,"sentiment":"neutral","sentiment_score":0.08047850385308265}],"sentiment":"neutral","sentiment_score":0.08664983647565047,"channel":0,"num_words":30,"start":2341.125,"end":2349.95},{"sentences":[{"text":"We've been talking about doing our wills for each other for the last ten years, but we actually haven't done it yet.","start":2350.46,"end":2357.7598,"sentiment":"neutral","sentiment_score":0.013883636121384123}],"sentiment":"neutral","sentiment_score":0.013883636121384123,"channel":1,"num_words":22,"start":2350.46,"end":2357.7598},{"sentences":[{"text":"Yeah.","start":2358.885,"end":2359.125,"sentiment":"neutral","sentiment_score":0.052646197378635406},{"text":"No.","start":2359.125,"end":2359.605,"sentiment":"neutral","sentiment_score":0.024815361946821213},{"text":"Definitely.","start":2359.605,"end":2360.085,"sentiment":"neutral","sentiment_score":0.16977213323116302},{"text":"It is definitely something very important to do, especially having a home and everything like that.","start":2360.085,"end":2365.065,"sentiment":"neutral","sentiment_score":0.2067738571204245},{"text":"So, you know, when and if you do speak to a solicitor, definitely do 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up.","start":2385.6099,"end":2387.2898,"sentiment":"neutral","sentiment_score":0.04734242185950279},{"text":"Yep.","start":2387.2898,"end":2387.6099,"sentiment":"neutral","sentiment_score":0.22011467814445496},{"text":"That sounds fine.","start":2387.6099,"end":2388.67,"sentiment":"positive","sentiment_score":0.3419349193572998}],"sentiment":"neutral","sentiment_score":0.14171794446354563,"channel":1,"num_words":11,"start":2384.41,"end":2388.67},{"sentences":[{"text":"Yeah.","start":2388.405,"end":2388.905,"sentiment":"neutral","sentiment_score":0.2825729250907898},{"text":"No worries at all.","start":2390.0051,"end":2391.365,"sentiment":"positive","sentiment_score":0.3679620921611786},{"text":"Happy to help you out and do those sorts of things to give you guys a bit of a helping hand.","start":2391.365,"end":2395.385,"sentiment":"positive","sentiment_score":0.6685027735573905},{"text":"Sometimes it can just be a little bit to start the conversation again.","start":2395.445,"end":2398.725,"sentiment":"positive","sentiment_score":0.3523482405222379},{"text":"And there are some ways to kinda do it a little bit cheaply, especially with, like, the Queensland trap days where you can do it over the phone or on the line or by email.","start":2398.725,"end":2407.5,"sentiment":"neutral","sentiment_score":0.3034924511398588}],"sentiment":"positive","sentiment_score":0.41886138452871424,"channel":0,"num_words":74,"start":2388.405,"end":2407.5},{"sentences":[{"text":"You don't actually have to go into the solicitor's office.","start":2407.5,"end":2410.48,"sentiment":"neutral","sentiment_score":0.229893296957016},{"text":"So I can draft up a couple of those different options for you to kinda make it a bit easier when you are having those conversations.","start":2410.7798,"end":2416.88,"sentiment":"neutral","sentiment_score":0.31467600567982745},{"text":"Perfect.","start":2417.5798,"end":2418.0798,"sentiment":"positive","sentiment_score":0.533993124961853}],"sentiment":"neutral","sentiment_score":0.29768924978939265,"channel":0,"num_words":37,"start":2407.5,"end":2418.0798},{"sentences":[{"text":"Yep.","start":2417.75,"end":2418.25,"sentiment":"neutral","sentiment_score":0.305112361907959}],"sentiment":"neutral","sentiment_score":0.305112361907959,"channel":1,"num_words":1,"start":2417.75,"end":2418.25},{"sentences":[{"text":"Excellent.","start":2419.515,"end":2420.015,"sentiment":"positive","sentiment_score":0.4786490797996521},{"text":"A couple of weird questions for you.","start":2420.4749,"end":2422.815,"sentiment":"neutral","sentiment_score":0.08300902375153132},{"text":"Are you a pool are you a tax resident of another country?","start":2423.1948,"end":2427.2148,"sentiment":"neutral","sentiment_score":0.016727076688160498}],"sentiment":"neutral","sentiment_score":0.06302185831591486,"channel":0,"num_words":20,"start":2419.515,"end":2427.2148},{"sentences":[{"text":"No.","start":2428.085,"end":2428.585,"sentiment":"neutral","sentiment_score":-0.0402497723698616}],"sentiment":"neutral","sentiment_score":-0.0402497723698616,"channel":1,"num_words":1,"start":2428.085,"end":2428.585},{"sentences":[{"text":"No?","start":2429.4348,"end":2429.835,"sentiment":"neutral","sentiment_score":-0.013172151520848274},{"text":"Beautiful.","start":2429.835,"end":2430.335,"sentiment":"neutral","sentiment_score":0.15576842427253723},{"text":"Told you it was a little bit weird.","start":2430.395,"end":2431.74,"sentiment":"neutral","sentiment_score":0.00040779542177915573},{"text":"And do you guys have private health insurance?","start":2432.3,"end":2434.88,"sentiment":"neutral","sentiment_score":-0.0209354180842638}],"sentiment":"neutral","sentiment_score":-0.001201372697121567,"channel":0,"num_words":18,"start":2429.4348,"end":2434.88},{"sentences":[{"text":"No.","start":2436.02,"end":2436.42,"sentiment":"neutral","sentiment_score":-0.08793032914400101},{"text":"We we sort","start":2436.42,"end":2437.3801,"sentiment":"neutral","sentiment_score":-0.06296106800436974}],"sentiment":"neutral","sentiment_score":-0.06920338328927755,"channel":1,"num_words":4,"start":2436.02,"end":2437.3801},{"sentences":[{"text":"No.","start":2437.34,"end":2437.84,"sentiment":"neutral","sentiment_score":-0.1187436580657959}],"sentiment":"neutral","sentiment_score":-0.1187436580657959,"channel":0,"num_words":1,"start":2437.34,"end":2437.84},{"sentences":[{"text":"of we talked about it and then we didn't talk about it and it never actually eventuated.","start":2437.3801,"end":2442.12,"sentiment":"neutral","sentiment_score":-0.08583691256011233},{"text":"So we're currently just a public system at the moment.","start":2442.34,"end":2445.17,"sentiment":"neutral","sentiment_score":-0.08285700380802155}],"sentiment":"neutral","sentiment_score":-0.08473324265193057,"channel":1,"num_words":27,"start":2437.3801,"end":2445.17},{"sentences":[{"text":"Yeah.","start":2445.7551,"end":2445.995,"sentiment":"neutral","sentiment_score":0.007942458614706993},{"text":"No.","start":2445.995,"end":2446.3152,"sentiment":"neutral","sentiment_score":-0.02011399157345295},{"text":"That's okay.","start":2446.3152,"end":2447.0352,"sentiment":"neutral","sentiment_score":0.041058171540498734},{"text":"Not a problem at all.","start":2447.0352,"end":2448.155,"sentiment":"neutral","sentiment_score":0.11855566650629043},{"text":"I told you those questions would be a little bit less packed.","start":2448.155,"end":2450.715,"sentiment":"neutral","sentiment_score":-0.132955032090346}],"sentiment":"neutral","sentiment_score":-0.04441605916335469,"channel":0,"num_words":21,"start":2445.7551,"end":2450.715},{"sentences":[{"text":"It's all good.","start":2450.715,"end":2452.095,"sentiment":"positive","sentiment_score":0.5167809923489889},{"text":"Fantastic.","start":2452.875,"end":2453.375,"sentiment":"positive","sentiment_score":0.7127751708030701},{"text":"So, realistically, with the advice, just to kind of recap on what I'll do, I'll go back and sort of scoping wise, we'll factor in superannuation.","start":2454.5552,"end":2462.87,"sentiment":"neutral","sentiment_score":0.16282408971052903},{"text":"Now I know when you came on board originally, the advice was kinda giving you a projected outcome over the next thirty odd years.","start":2463.6501,"end":2470.95,"sentiment":"neutral","sentiment_score":0.028522397857159376},{"text":"I don't kinda do that because your life can change very heavily within the next sort of ten years.","start":2471.565,"end":2476.285,"sentiment":"neutral","sentiment_score":-0.15668240032697978}],"sentiment":"neutral","sentiment_score":0.05759063592716439,"channel":0,"num_words":73,"start":2450.715,"end":2476.285},{"sentences":[{"text":"I limit my projected outcomes to five to ten years.","start":2476.285,"end":2479.425,"sentiment":"neutral","sentiment_score":-0.0634417824447155},{"text":"We sort of focus on what's happening in the shorter term and then note we can update things moving forward.","start":2479.7249,"end":2484.865,"sentiment":"neutral","sentiment_score":0.005658543994650244}],"sentiment":"neutral","sentiment_score":-0.017374898151805002,"channel":0,"num_words":30,"start":2476.285,"end":2484.865},{"sentences":[{"text":"Yep.","start":2485.0852,"end":2485.165,"sentiment":"neutral","sentiment_score":0.012767254374921322},{"text":"Yep.","start":2485.165,"end":2485.665,"sentiment":"neutral","sentiment_score":-0.006887108087539673}],"sentiment":"neutral","sentiment_score":0.0029400731436908245,"channel":1,"num_words":2,"start":2485.0852,"end":2485.665},{"sentences":[{"text":"I just I don't like the idea of projecting thirty years in the in the future.","start":2485.47,"end":2489.23,"sentiment":"neutral","sentiment_score":-0.22175908647477627},{"text":"You just never know what could","start":2489.23,"end":2490.51,"sentiment":"neutral","sentiment_score":-0.18640380104382834}],"sentiment":"neutral","sentiment_score":-0.21211673590269955,"channel":0,"num_words":22,"start":2485.47,"end":2490.51},{"sentences":[{"text":"Well,","start":2490.46,"end":2490.94,"sentiment":"neutral","sentiment_score":-0.1595524251461029}],"sentiment":"neutral","sentiment_score":-0.1595524251461029,"channel":1,"num_words":1,"start":2490.46,"end":2490.94},{"sentences":[{"text":"change.","start":2490.51,"end":2491.01,"sentiment":"neutral","sentiment_score":-0.19451597332954407}],"sentiment":"neutral","sentiment_score":-0.19451597332954407,"channel":0,"num_words":1,"start":2490.51,"end":2491.01},{"sentences":[{"text":"it's a long time to try and get right.","start":2490.94,"end":2495.04,"sentiment":"neutral","sentiment_score":-0.17893060710695055}],"sentiment":"neutral","sentiment_score":-0.17893060710695055,"channel":1,"num_words":9,"start":2490.94,"end":2495.04},{"sentences":[{"text":"Exactly.","start":2496.11,"end":2496.61,"sentiment":"neutral","sentiment_score":0.0031914811115711927},{"text":"Exactly.","start":2496.99,"end":2497.49,"sentiment":"neutral","sentiment_score":0.0488615483045578},{"text":"So just to let you know, that's kind of how I do the advice pages for you, but it's about making sure that we track things and keep updating things as your life changes too, which is really important.","start":2497.79,"end":2508.375,"sentiment":"neutral","sentiment_score":0.133068842956653},{"text":"So I'll start in the superannuation side of things, looking at your contributions and how to structure them to make it work for you to give you the best benefits longer term.","start":2509.635,"end":2519.0498,"sentiment":"neutral","sentiment_score":0.20433337660506368},{"text":"We'll update the portfolio.","start":2519.67,"end":2521.13,"sentiment":"neutral","sentiment_score":0.11123273335397243}],"sentiment":"neutral","sentiment_score":0.15877060895459122,"channel":0,"num_words":77,"start":2496.11,"end":2521.13},{"sentences":[{"text":"I'll look at the super and make sure that that net wealth is still appropriate.","start":2521.2698,"end":2524.8098,"sentiment":"neutral","sentiment_score":0.1143653524418672},{"text":"If not, I can recommend something else.","start":2525.2698,"end":2527.3699,"sentiment":"neutral","sentiment_score":-0.05815131217241287},{"text":"I'll look at, you know, replacing any underperforming investments, look at cost back cost wise there.","start":2527.585,"end":2532.805,"sentiment":"neutral","sentiment_score":0.016571983811445534},{"text":"Do you have any kind of preference around having active managers in your fund to try and outperform against the market or more just looking at a low cost portfolio?","start":2533.745,"end":2542.165,"sentiment":"neutral","sentiment_score":0.020737959009905656},{"text":"What's your kind of preference in the way you prefer to have investment structured?","start":2542.76,"end":2546.38,"sentiment":"neutral","sentiment_score":0.00017131731978484562}],"sentiment":"neutral","sentiment_score":0.026806220185102488,"channel":0,"num_words":82,"start":2521.2698,"end":2546.38},{"sentences":[{"text":"I","start":2550.685,"end":2551.185,"sentiment":"neutral","sentiment_score":-0.02343250811100006}],"sentiment":"neutral","sentiment_score":-0.02343250811100006,"channel":1,"num_words":1,"start":2550.685,"end":2551.185},{"sentences":[{"text":"If you don't have a 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wisdom.","start":2558.365,"end":2566.17,"sentiment":"positive","sentiment_score":0.3611761099100113}],"sentiment":"positive","sentiment_score":0.3611761099100113,"channel":1,"num_words":25,"start":2558.365,"end":2566.17},{"sentences":[{"text":"Yep.","start":2565.835,"end":2566.335,"sentiment":"neutral","sentiment_score":0.18542906641960144}],"sentiment":"neutral","sentiment_score":0.18542906641960144,"channel":0,"num_words":1,"start":2565.835,"end":2566.335},{"sentences":[{"text":"So","start":2566.7898,"end":2567.2898,"sentiment":"neutral","sentiment_score":0.21012602746486664}],"sentiment":"neutral","sentiment_score":0.21012602746486664,"channel":1,"num_words":1,"start":2566.7898,"end":2567.2898},{"sentences":[{"text":"Yep.","start":2567.1948,"end":2567.6948,"sentiment":"neutral","sentiment_score":0.2657626271247864},{"text":"Beautiful.","start":2568.9548,"end":2569.4548,"sentiment":"positive","sentiment_score":0.5313620567321777},{"text":"Well, I promise I will look after you.","start":2569.755,"end":2571.99,"sentiment":"neutral","sentiment_score":0.28775168769061565},{"text":"One of the big things that I sort of pride is that we do work under the best interest duty as part of the corporations act.","start":2572.23,"end":2577.99,"sentiment":"positive","sentiment_score":0.3718729271338536},{"text":"So if there is ever a point where your best interest conflicts with that of anyone else here or my bosses, I always put you first.","start":2577.99,"end":2585.53,"sentiment":"neutral","sentiment_score":0.05725763809795563}],"sentiment":"neutral","sentiment_score":0.2299440787324021,"channel":0,"num_words":62,"start":2567.1948,"end":2585.53},{"sentences":[{"text":"And I really honestly am probably the happiest little person to talk about super insurances the world has ever seen.","start":2586.435,"end":2591.975,"sentiment":"positive","sentiment_score":0.49309243112802503},{"text":"So I'm looking forward to doing the research and coming back with the advice piece.","start":2592.595,"end":2596.115,"sentiment":"positive","sentiment_score":0.5802457213401795},{"text":"We'll limit it to superannuation, and moving forward, we can always down the track, look at, you know, additional contributions if need be and insurances when you're ready to do so.","start":2596.115,"end":2606.22,"sentiment":"neutral","sentiment_score":0.2482414154275771},{"text":"But we'll sort of book a weather super tracking and what we can do and how we can structure the super and the portfolio to make it work for you.","start":2606.22,"end":2613.52,"sentiment":"neutral","sentiment_score":0.3161799043416977},{"text":"Does that","start":2613.66,"end":2614.0598,"sentiment":"neutral","sentiment_score":0.12651166692376137}],"sentiment":"positive","sentiment_score":0.3673412120920055,"channel":0,"num_words":98,"start":2586.435,"end":2614.0598},{"sentences":[{"text":"Yes.","start":2614.0352,"end":2614.5352,"sentiment":"neutral","sentiment_score":0.24634049832820892}],"sentiment":"neutral","sentiment_score":0.24634049832820892,"channel":1,"num_words":1,"start":2614.0352,"end":2614.5352},{"sentences":[{"text":"sound okay?","start":2614.0598,"end":2614.7998,"sentiment":"neutral","sentiment_score":0.24087072908878326}],"sentiment":"neutral","sentiment_score":0.24087072908878326,"channel":0,"num_words":2,"start":2614.0598,"end":2614.7998},{"sentences":[{"text":"That sounds good.","start":2614.835,"end":2615.895,"sentiment":"positive","sentiment_score":0.7063650091489156}],"sentiment":"positive","sentiment_score":0.7063650091489156,"channel":1,"num_words":3,"start":2614.835,"end":2615.895},{"sentences":[{"text":"Beautiful.","start":2616.875,"end":2617.375,"sentiment":"positive","sentiment_score":0.7275723218917847},{"text":"Look.","start":2617.515,"end":2617.835,"sentiment":"positive","sentiment_score":0.5885242223739624},{"text":"Thank you so much.","start":2617.835,"end":2619.195,"sentiment":"positive","sentiment_score":0.7612252086400986},{"text":"Now the only other sort of thing to sort of point out is that in that email there, when you press the sign here button, we have two little documents there.","start":2619.195,"end":2626.89,"sentiment":"neutral","sentiment_score":0.027549246566430215},{"text":"One of those is the ongoing service agreement, which essentially notes you pay an ongoing service fee of 1.65 percent per annum.","start":2626.97,"end":2633.95,"sentiment":"neutral","sentiment_score":0.0249135581437837}],"sentiment":"neutral","sentiment_score":0.09768003900930033,"channel":0,"num_words":59,"start":2616.875,"end":2633.95},{"sentences":[{"text":"Yep.","start":2634.355,"end":2634.855,"sentiment":"neutral","sentiment_score":0.09685444831848145}],"sentiment":"neutral","sentiment_score":0.09685444831848145,"channel":1,"num_words":1,"start":2634.355,"end":2634.855},{"sentences":[{"text":"Our ongoing service fee will, as of next year, be a full tiered structure, which essentially means that once your super balance hits over 200,000, you'll drop down into the next tier, which drops your fee from 1.65% to 1.375%.","start":2634.5698,"end":2649.625,"sentiment":"neutral","sentiment_score":0.07948161950334906},{"text":"And then when it hits over 500,000, it will drop down a tier again.","start":2649.625,"end":2653.305,"sentiment":"neutral","sentiment_score":0.04414688676063504},{"text":"So we've kind of implemented that new structure so that as your superfast increases, you drop down to the tier and the percentage will decrease for you, which will kind of work out to your benefit as your super increases.","start":2653.305,"end":2665.73,"sentiment":"neutral","sentiment_score":0.14267151057720184}],"sentiment":"neutral","sentiment_score":0.10110831508373326,"channel":0,"num_words":94,"start":2634.5698,"end":2665.73},{"sentences":[{"text":"No.","start":2666.4949,"end":2666.9949,"sentiment":"neutral","sentiment_score":-0.07795733958482742}],"sentiment":"neutral","sentiment_score":-0.07795733958482742,"channel":1,"num_words":1,"start":2666.4949,"end":2666.9949},{"sentences":[{"text":"If for now, because it's under that 200,000, just the 1.65% per annum, that is deducted out of your super on a monthly basis.","start":2667.55,"end":2674.855,"sentiment":"neutral","sentiment_score":-0.019955248727152746},{"text":"In smaller increments there, the document does outline the total fee expected for the year, which will let you know how much you'll pay.","start":2674.855,"end":2682.4749,"sentiment":"neutral","sentiment_score":0.08303169106754164},{"text":"I obviously wanna make sure your super builds on that, makes that 1.65%, and then an additional, you know, bit of growth and income on top of that so it continues to compound forward for you.","start":2682.695,"end":2693.99,"sentiment":"positive","sentiment_score":0.49817223515775466}],"sentiment":"neutral","sentiment_score":0.23152422716486312,"channel":0,"num_words":84,"start":2667.55,"end":2693.99},{"sentences":[{"text":"Yeah.","start":2694.345,"end":2694.845,"sentiment":"neutral","sentiment_score":0.14928899705410004}],"sentiment":"neutral","sentiment_score":0.14928899705410004,"channel":1,"num_words":1,"start":2694.345,"end":2694.845},{"sentences":[{"text":"The other document we have in there is the tax file opt in form.","start":2694.61,"end":2698.77,"sentiment":"neutral","sentiment_score":0.10149505415133067},{"text":"So it is really important that you're aware we do hold your tax file number.","start":2698.77,"end":2702.47,"sentiment":"neutral","sentiment_score":0.09280969426035882},{"text":"We are very security conscious here, and we like to make sure you're aware that we hold it how and why.","start":2702.9849,"end":2707.625,"sentiment":"neutral","sentiment_score":0.12784221839337123},{"text":"So that document outlines that, and we just ask that you sign and return those two documents back to me at your earliest opportunity, and I'll get back into this research there for you.","start":2707.625,"end":2717.08,"sentiment":"neutral","sentiment_score":0.1847437324331087},{"text":"Do you have any additional questions at all?","start":2717.08,"end":2719.74,"sentiment":"neutral","sentiment_score":0.04373680101707578}],"sentiment":"neutral","sentiment_score":0.13183634857768597,"channel":0,"num_words":92,"start":2694.61,"end":2719.74},{"sentences":[{"text":"No.","start":2720.125,"end":2720.4448,"sentiment":"neutral","sentiment_score":-0.2214903086423874},{"text":"Not at the moment.","start":2720.4448,"end":2721.345,"sentiment":"neutral","sentiment_score":-0.2997732162475586}],"sentiment":"neutral","sentiment_score":-0.2841166347265244,"channel":1,"num_words":5,"start":2720.125,"end":2721.345},{"sentences":[{"text":"All good.","start":2722.2,"end":2722.76,"sentiment":"neutral","sentiment_score":-0.0800146646797657},{"text":"Is there anything that I may have missed or I haven't touched on that might be important to you?","start":2722.76,"end":2727.72,"sentiment":"neutral","sentiment_score":-0.037437278581293004},{"text":"Or","start":2727.72,"end":2728.22,"sentiment":"neutral","sentiment_score":-0.053250111639499664}],"sentiment":"neutral","sentiment_score":-0.04202671518379992,"channel":0,"num_words":22,"start":2722.2,"end":2728.22},{"sentences":[{"text":"Not that instantly leaves someone.","start":2728.8599,"end":2731.0999,"sentiment":"neutral","sentiment_score":-0.17047148048877717},{"text":"As I said, I'm happy to call you if I think of something.","start":2731.0999,"end":2734.4,"sentiment":"neutral","sentiment_score":0.18007721522679696}],"sentiment":"neutral","sentiment_score":0.08270257752802637,"channel":1,"num_words":18,"start":2728.8599,"end":2734.4},{"sentences":[{"text":"yeah.","start":2734.145,"end":2734.645,"sentiment":"neutral","sentiment_score":0.10098797082901},{"text":"Absolutely.","start":2735.5852,"end":2736.0852,"sentiment":"neutral","sentiment_score":0.1548294723033905},{"text":"No.","start":2736.5452,"end":2736.8652,"sentiment":"neutral","sentiment_score":0.06217281520366669},{"text":"Beautiful.","start":2736.8652,"end":2737.3652,"sentiment":"positive","sentiment_score":0.4215166568756103},{"text":"Well, look.","start":2737.5852,"end":2738.145,"sentiment":"positive","sentiment_score":0.3705218881368637}],"sentiment":"neutral","sentiment_score":0.24675844858090082,"channel":0,"num_words":6,"start":2734.145,"end":2738.145},{"sentences":[{"text":"Thank you so much for your time this afternoon.","start":2738.145,"end":2740.3052,"sentiment":"positive","sentiment_score":0.726447774304284},{"text":"I really appreciate you taking my call.","start":2740.3052,"end":2742.645,"sentiment":"positive","sentiment_score":0.7806905082293919},{"text":"I hope you have an amazing afternoon and a great weekend ahead.","start":2743.31,"end":2746.83,"sentiment":"positive","sentiment_score":0.7699994891881943},{"text":"I will get back into this research.","start":2746.83,"end":2748.23,"sentiment":"positive","sentiment_score":0.4994264117309025},{"text":"It takes a couple of weeks to complete things properly for you, but then I'll come back with the advice document.","start":2748.23,"end":2753.39,"sentiment":"neutral","sentiment_score":0.29994699358940125}],"sentiment":"positive","sentiment_score":0.5542451632874352,"channel":0,"num_words":56,"start":2738.145,"end":2753.39},{"sentences":[{"text":"We can go through that together.","start":2753.39,"end":2754.69,"sentiment":"positive","sentiment_score":0.3410890152057012},{"text":"How does that sound?","start":2754.75,"end":2755.73,"sentiment":"neutral","sentiment_score":0.2907743826508522}],"sentiment":"neutral","sentiment_score":0.3209631621837616,"channel":0,"num_words":10,"start":2753.39,"end":2755.73},{"sentences":[{"text":"Sounds good.","start":2756.1301,"end":2756.95,"sentiment":"positive","sentiment_score":0.7061109840869904}],"sentiment":"positive","sentiment_score":0.7061109840869904,"channel":1,"num_words":2,"start":2756.1301,"end":2756.95},{"sentences":[{"text":"Beautiful.","start":2758.005,"end":2758.505,"sentiment":"positive","sentiment_score":0.7979451417922974},{"text":"I will let you go.","start":2759.365,"end":2760.325,"sentiment":"positive","sentiment_score":0.7552566170692444},{"text":"I hope you have a great afternoon.","start":2760.325,"end":2761.525,"sentiment":"positive","sentiment_score":0.7203460420880999},{"text":"Thank you so much for your time today.","start":2761.525,"end":2763.385,"sentiment":"positive","sentiment_score":0.6985448971390724}],"sentiment":"positive","sentiment_score":0.7240480808984666,"channel":0,"num_words":21,"start":2758.005,"end":2763.385},{"sentences":[{"text":"Not working.","start":2764.7048,"end":2765.265,"sentiment":"neutral","sentiment_score":-0.2671584039926529},{"text":"No.","start":2765.265,"end":2765.607,"sentiment":"neutral","sentiment_score":-0.14429685473442078}],"sentiment":"neutral","sentiment_score":-0.22620455423990884,"channel":1,"num_words":3,"start":2764.7048,"end":2765.607},{"sentences":[{"text":"Thanks.","start":2767.125,"end":2767.625,"sentiment":"neutral","sentiment_score":0.0057923197746276855},{"text":"Talk to you soon.","start":2767.845,"end":2768.9048,"sentiment":"neutral","sentiment_score":0.1543847732245922}],"sentiment":"neutral","sentiment_score":0.1246662825345993,"channel":0,"num_words":5,"start":2767.125,"end":2768.9048},{"sentences":[{"text":"Hey.","start":2769.847,"end":2770.2468,"sentiment":"neutral","sentiment_score":0.16811010241508484},{"text":"I'm fine.","start":2770.2468,"end":2770.9868,"sentiment":"neutral","sentiment_score":0.2726942002773285}],"sentiment":"neutral","sentiment_score":0.23783283432324728,"channel":1,"num_words":3,"start":2769.847,"end":2770.9868},{"sentences":[{"text":"See you later.","start":2771.365,"end":2772.085,"sentiment":"neutral","sentiment_score":0.27530762056509656},{"text":"Bye.","start":2772.085,"end":2772.585,"sentiment":"neutral","sentiment_score":-0.06135472282767296}],"sentiment":"neutral","sentiment_score":0.19114203471690416,"channel":0,"num_words":4,"start":2771.365,"end":2772.585}]},"summary":{"result":"success","short":"Representatives from OT Financial discuss the annual review process with the customer, including personal information, insurance policy, and retirement age. They suggest potential insurance issues and the importance of staying in the growth area. The representatives also emphasize the importance of managing one's life and maintaining a tax file number. The customer is advised to update beneficiaries and fill out documents for a power of attorney, and the speakers emphasize the importance of maintaining a tax file number and managing one's life."},"intents":{"segments":[{"text":"I had you booked in to go through your annual review today. Isn't that still a good time there for you? Yeah.","start_word":31,"end_word":52,"intents":[{"intent":"Go through review process","confidence_score":0.000018367082}]},{"text":"And just to do a quick security check there for you. So just to confirm, your full name, your date of birth, and address I should have on file? My name is Christopher John Thompson.","start_word":187,"end_word":221,"intents":[{"intent":"Confirm security check","confidence_score":0.24948907}]},{"text":"Now I normally do send through some annual review documents to kinda go through with you as part of the review. Are you able to access your emails?","start_word":252,"end_word":279,"intents":[{"intent":"Send annual review documents","confidence_score":0.09062224}]},{"text":"Are you able to access your emails? If you can't, that's okay. I can go through things for you. I should be able to get by the email. Yes. Beautiful.","start_word":273,"end_word":302,"intents":[{"intent":"Access email","confidence_score":0.2554362},{"intent":"Confirm email access","confidence_score":0.08245256}]},{"text":"You do have a little button that says sign here, and if you press that button, it'll take you through to review the documents. But the documents that I do kinda wanna review with you are actually set as attachments.","start_word":352,"end_word":391,"intents":[{"intent":"Review documents","confidence_score":0.06559921}]},{"text":"It was, I think, 200,000 because that was the amount to be able to pay out my mortgage. Okay.","start_word":682,"end_word":700,"intents":[{"intent":"Confirm amount","confidence_score":0.000020931804}]},{"text":"On the last background, we had noted your mortgage was sitting at 161,000. Do you have you reduced that a bit since you last sort of spoke to us at all? We actually drew on it to do some renovations to the house in the near future.","start_word":760,"end_word":806,"intents":[{"intent":"Recall previous conversation","confidence_score":0.000907518}]},{"text":"I can give you an exact amount that we owe at the moment.","start_word":809,"end_word":821,"intents":[{"intent":"Give sum","confidence_score":0.000035966885}]},{"text":"If you do you want that? Yeah.","start_word":825,"end_word":831,"intents":[{"intent":"Ask for information","confidence_score":0.009247758}]},{"text":"Did you wanna look at maybe getting some additional life insurance, or are you sort of happy to support you've got at the moment?","start_word":1087,"end_word":1110,"intents":[{"intent":"Expressing interest in additional coverage","confidence_score":0.0001824875}]},{"text":"Do you have any kind of long service leave, sick leave, or annual leave that you could also fall back on if you were off work in a short term? No. Not much now.","start_word":1295,"end_word":1328,"intents":[{"intent":"Discussing long service leave","confidence_score":0.00090758235}]},{"text":"One of the biggest things that I sort of focus on with TBD is that if you're not able to go back to work again, there's a cost of covering your income for a certain period of time.","start_word":1428,"end_word":1465,"intents":[{"intent":"Focus on tdd","confidence_score":0.00030269226}]},{"text":"I'm more than happy to make time to talk about what your goals are, what's important to you, what kind of level of cover you might need and or want, and what the cost and how it can be structured to sort of help you along. Okay. Yep.","start_word":1536,"end_word":1583,"intents":[{"intent":"Discuss goals and goals","confidence_score":0.054822404}]},{"text":"For the time I get there, the retirement age will be 80, but, yeah, sometime around that point. Yeah.","start_word":1654,"end_word":1672,"intents":[{"intent":"Understand retirement age and work schedule","confidence_score":0.0000024217504},{"intent":"Discuss retirement age","confidence_score":0.16672738}]},{"text":"So the age 67 mark, that is for the eligibility for the age pension through Centrelink. But when it comes to your super, you can actually access super at the age of 60. If you fully retire and or stop working with the intention to retire fully, you can access your super wholly tax free, take it as a lump sum or an income stream.","start_word":1739,"end_word":1803,"intents":[{"intent":"Provide information","confidence_score":0.008026278}]},{"text":"But when it comes to your super, you can actually access super at the age of 60. If you fully retire and or stop working with the intention to retire fully, you can access your super wholly tax free, take it as a lump sum or an income stream.","start_word":1754,"end_word":1802,"intents":[{"intent":"Access super","confidence_score":0.57332003}]},{"text":"I'm gonna go through the report with you in a minute, but I found some areas that we could probably make some improvements on your super because your portfolio is very much older. You've kinda been on board since 2021 there, and your your super you know, portfolio hasn't really changed or evolved much in that time.","start_word":1995,"end_word":2051,"intents":[{"intent":"Review report","confidence_score":0.013567906}]},{"text":"You've kinda been on board since 2021 there, and your your super you know, portfolio hasn't really changed or evolved much in that time.","start_word":2028,"end_word":2051,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.01265573}]},{"text":"What you sort of said there about the way super grows and how it works is absolutely correct. Like, if you think about someone with receiving a 5% return and their balance is super 50,000, they're essentially making $2,500, whereas someone with that same 5% return on a $500,000 balance is about 25,000.","start_word":2106,"end_word":2158,"intents":[{"intent":"Discuss super growth and compounding effect","confidence_score":0.11550409}]},{"text":"Let's go through your paper because this year has been a little bit volatile, and I'm very upfront and honest with you. We've had some great returns, and the last year has had much of a lower rate of return. So I have kind of wanted to go back and have a little bit of a look at the super, maybe update your portfolio to make sure that things are working a bit harder for you for the next couple of months.","start_word":2253,"end_word":2334,"intents":[{"intent":"Update portfolio","confidence_score":0.22223791}]},{"text":"Now the front page It's here open. basically goes through for the last twelve months and essentially looks at all the individual investments that you do have within your portfolio currently. This is based on the what sort of happens from July to July because that's on these documents to prepare that. But there's not a great deal of change.","start_word":2408,"end_word":2467,"intents":[{"intent":"Discuss investments","confidence_score":0.0044471794}]},{"text":"That investment is actually giving you broader diversification. So instead of having 15 or 25 different companies within the Benelon Fund, you now have exposed the top 200 companies on the ASX. So it is giving you a lot more diversification, which is helping to lower your risk profile.","start_word":2798,"end_word":2846,"intents":[{"intent":"Improve portfolio diversification","confidence_score":0.0051587}]},{"text":"Your performance is definitely lower than where we would like it to be this year, but I wanna go back and just review your investments because you are in an older portfolio.","start_word":2977,"end_word":3008,"intents":[{"intent":"Review portfolios and assess portfolio performance","confidence_score":0.0005885764}]},{"text":"But I definitely maybe wanted to look at doing a bit of a risk profile questionnaire as well just to sort of see where you are sitting, because you did kinda mention to me that you are more of a conservative sort of person.","start_word":3194,"end_word":3237,"intents":[{"intent":"Assess risk profile","confidence_score":0.44556862},{"intent":"Discuss risk profile","confidence_score":0.06912451}]},{"text":"In saying that, with the kind of volatility that can be seen from this high growth environment, it could be plus or minus extra 14%.","start_word":3387,"end_word":3411,"intents":[{"intent":"Address volatility","confidence_score":0.003190601}]},{"text":"I can see you're also making additional contributions to Super as well, and that can if you are wanting to be more conservative, adding more money into super can kind of help to mitigate the risk and close the gap a bit because you're investing more regularly and increasing the amount you're contributing.","start_word":3507,"end_word":3559,"intents":[{"intent":"Make contributions","confidence_score":0.42437965},{"intent":"Improve investment efficiency","confidence_score":0.0028154652}]},{"text":"With with that, I just wanted to run through just a couple of questions to kinda gauge where your risk profiling might sort of fit for the moment. Yep.","start_word":3573,"end_word":3601,"intents":[{"intent":"Assess risk profiling","confidence_score":0.23255336}]},{"text":"The next the next question here is about inflation, and it says inflation means that things are getting more expensive over time, which makes your money worth less. The question is when you think about your super, are you comfortable taking on a higher level of risk to try and get those greater returns? Are you comfortable taking on a moderate or medium amount of risk to get those higher returns or average returns? Or are you not comfortable with risk in the market knowing the returns are lower?","start_word":3691,"end_word":3779,"intents":[{"intent":"Assess personal preferences","confidence_score":0.00132763}]},{"text":"The question is when you think about your super, are you comfortable taking on a higher level of risk to try and get those greater returns?","start_word":3719,"end_word":3744,"intents":[{"intent":"Assess level of risk","confidence_score":0.0015298766},{"intent":"Assess super super","confidence_score":0.00034341594}]},{"text":"The next one here is how would you feel if you saw your super fall by 20% due to external market factors in, say, the next one to two years? Do you think you'd be wanting to take advantage of the market dip and put a bit of money into the market? Are you likely to hold and wait and speak to us and see what we suggest to do, or are you feeling a bit concerned about the markets and maybe wanting to sell the investments to cash?","start_word":3860,"end_word":3948,"intents":[{"intent":"Assess future decision","confidence_score":0.0001639061}]},{"text":"Do you think you'd be wanting to take advantage of the market dip and put a bit of money into the market? Are you likely to hold and wait and speak to us and see what we suggest to do, or are you feeling a bit concerned about the markets and maybe wanting to sell the investments to cash?","start_word":3890,"end_word":3948,"intents":[{"intent":"Confirm interest in markets","confidence_score":0.000091806585}]},{"text":"Are you feeling optimistic about the investment opportunities ahead?","start_word":4002,"end_word":4010,"intents":[{"intent":"Evaluate investment opportunities","confidence_score":0.25081363}]},{"text":"Do you kinda feel comfortable being in that growth kind of environment, or would you wanna be more high growth? How do you sort of feel, and where do you think you fit?","start_word":4390,"end_word":4422,"intents":[{"intent":"Determine investment preferences","confidence_score":0.0002095555}]},{"text":"So, look, as I said, portfolio does need a bit of work.","start_word":5057,"end_word":5068,"intents":[{"intent":"Discuss portfolio needs","confidence_score":0.030729948}]},{"text":"Markets haven't been great, and your portfolio has definitely performed a lot less than what I would like it to do.","start_word":5090,"end_word":5110,"intents":[{"intent":"Review market performance","confidence_score":0.64619774}]},{"text":"I also do wanna kinda down the track. I'm starting to kind of make sure everyone gets these catch ups on a regular basis. So making sure to do about a six month catch up with you at the very least just to make sure that we can if anything needs to kind of be updated, that we can look to do that.","start_word":5245,"end_word":5307,"intents":[{"intent":"Provide updates","confidence_score":0.022684122}]},{"text":"So making sure to do about a six month catch up with you at the very least just to make sure that we can if anything needs to kind of be updated, that we can look to do that.","start_word":5269,"end_word":5307,"intents":[{"intent":"Schedule follow-up","confidence_score":0.017750854}]},{"text":"So are you happy with maybe a six month catch up moving forward as well just to, you know, make sure we're staying on top of everything?","start_word":5342,"end_word":5368,"intents":[{"intent":"Maintain status","confidence_score":0.009526623}]},{"text":"Is that okay with you?","start_word":5509,"end_word":5513,"intents":[{"intent":"Update and inform during call","confidence_score":0.0000030151386}]},{"text":"So when I am updating your advice, I do need to kinda factor in the contribution side of things for you. I know you kinda mentioned your income's a little bit higher. What is your do you know what your take home pay looks like on a weekly or fortnightly basis?","start_word":5575,"end_word":5625,"intents":[{"intent":"Provide information in regards to income and contributions","confidence_score":4.7945036e-7}]},{"text":"And I can see that you're also making some additional contributions, some non concessional contributions into Super there, which is fantastic. It looks like at the moment, it's around about a $103 on a fortnightly basis. Does that sound about right? Yep.","start_word":5697,"end_word":5738,"intents":[{"intent":"Determine amount of extra contributions and non concessional contributions","confidence_score":0.000011224042}]},{"text":"Did you wanna kind of reevaluate those and or increase or alter those if it works out to your benefit to do so, or are you happy just to set them out because the the expenses are quite high?","start_word":5749,"end_word":5787,"intents":[{"intent":"Reevaluate contribution structures","confidence_score":0.00013236336}]},{"text":"We also had noted you had some savings in the account, about 14,000 in savings. Do you still have those savings, or is that changed?","start_word":6286,"end_word":6310,"intents":[{"intent":"Inquire about savings","confidence_score":0.0011585706}]},{"text":"The other thing to sort of talk about is the estate planning aspect.","start_word":6460,"end_word":6472,"intents":[{"intent":"Discuss estate planning","confidence_score":0.037688714}]},{"text":"I can see you've not got any beneficiary nominations on file. So I do wanna make sure that that is updated because at the moment, we're not having a beneficiary on your super fund.","start_word":6484,"end_word":6517,"intents":[{"intent":"Update beneficiary nominations","confidence_score":0.7635177},{"intent":"Assist with beneficiary update","confidence_score":0.000034171655}]},{"text":"Now just confirming, I don't like to make assumptions, but where would you realistically want your money to be paid to if you were to pass away?","start_word":6535,"end_word":6561,"intents":[{"intent":"Confirm money payment","confidence_score":0.07002523}]},{"text":"I will, as part of the the advice, update the beneficiary aspect before you make a recommendation. But it is really important we do have those beneficiaries on file because, essentially, if you would have passed away today, having its own little probate process, it means that people can come forward and stake a claim on your super.","start_word":6574,"end_word":6631,"intents":[{"intent":"Recommend mellen's request","confidence_score":0.0000010907138}]},{"text":"I can even get my team, if you're comfortable with us to do so, pre fill the documents for you with the information and send it out to you. That way, you just have to sign and get a witness, and it's all kind of prefilled, make it a little bit easier on you. Yeah.","start_word":6708,"end_word":6762,"intents":[{"intent":"Sign a witness","confidence_score":0.000013768833},{"intent":"Offer help with documents","confidence_score":0.005888807}]},{"text":"I'll make sure I follow it up. I'm pretty good with these sorts of things, and I do follow them up pretty regularly. So I'll make sure I can help you to do that. Did Beautiful.","start_word":6804,"end_word":6839,"intents":[{"intent":"Follow up with inquiries","confidence_score":0.0043359958}]},{"text":"you want us to free fill Michelle's details for you to make it a little bit easier on you? No.","start_word":6841,"end_word":6860,"intents":[{"intent":"Provide information","confidence_score":0.068952076}]},{"text":"And have you guys talked about doing up a power of attorney, will, or any other estate planning documents with a solicitor in the past? We've been talking about doing our wills for each other for the last ten years, but we actually haven't done it yet. Yeah.","start_word":6882,"end_word":6929,"intents":[{"intent":"Ask about will","confidence_score":0.029889904}]},{"text":"Did you want me to draft up something for you just as a bit of information? No obligation.","start_word":6997,"end_word":7014,"intents":[{"intent":"Discuss will draft","confidence_score":0.041119743}]},{"text":"Are you a pool are you a tax resident of another country? No. No?","start_word":7144,"end_word":7157,"intents":[{"intent":"Confirm address","confidence_score":0.00037544203}]},{"text":"And do you guys have private health insurance?","start_word":7167,"end_word":7174,"intents":[{"intent":"Ask about insurance","confidence_score":0.062190853}]},{"text":"So, realistically, with the advice, just to kind of recap on what I'll do, I'll go back and sort of scoping wise, we'll factor in superannuation.","start_word":7232,"end_word":7257,"intents":[{"intent":"Recap advice","confidence_score":0.06504075}]},{"text":"We sort of focus on what's happening in the shorter term and then note we can update things moving forward. Yep.","start_word":7311,"end_word":7331,"intents":[{"intent":"Focus on longer term","confidence_score":0.100521736}]},{"text":"We'll update the portfolio. I'll look at the super and make sure that that net wealth is still appropriate.","start_word":7439,"end_word":7457,"intents":[{"intent":"Update portfolio","confidence_score":0.7812215}]},{"text":"I'll look at, you know, replacing any underperforming investments, look at cost back cost wise there.","start_word":7465,"end_word":7480,"intents":[{"intent":"Replace underperforming investments","confidence_score":0.15798733}]},{"text":"I'll look at, you know, replacing any underperforming investments, look at cost back cost wise there. Do you have any kind of preference around having active managers in your fund to try and outperform against the market or more just looking at a low cost portfolio? What's your kind of preference in the way you prefer to have investment structured?","start_word":7465,"end_word":7524,"intents":[{"intent":"Inquire about investments","confidence_score":0.000097260316}]},{"text":"What's your kind of preference in the way you prefer to have investment structured?","start_word":7511,"end_word":7524,"intents":[{"intent":"Discuss investment structuring preferences","confidence_score":0.021089002}]},{"text":"Our ongoing service fee will, as of next year, be a full tiered structure, which essentially means that once your super balance hits over 200,000, you'll drop down into the next tier, which drops your fee from 1.65% to 1.375%.","start_word":7800,"end_word":7839,"intents":[{"intent":"Clarify fee structure","confidence_score":0.009468593}]}]},"sentiments":{"segments":[{"text":"Hello? Hi.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.10241205245256424},{"text":"Good hi, Christopher.","start_word":2,"end_word":4,"sentiment":"positive","sentiment_score":0.3577582538127899},{"text":"This is Dana from OT Financial. How are you this afternoon? Yeah. Not too bad. How are you?","start_word":5,"end_word":22,"sentiment":"neutral","sentiment_score":0.29485663771629333},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":23,"end_word":30,"sentiment":"positive","sentiment_score":0.6299847960472107},{"text":"I had you booked in to go through your annual review today. Isn't that still a good time there for you? Yeah. It's fine. It doesn't take heaps long, does it? Normally, it takes about half an hour to kinda go through depending on what we touch base on, the things, look at your goals, be it a few circumstances, different things like that. That's fine. That's okay. I can sort of try to make it a little bit faster if if you'd like just to touch on the things we need to. So it just all depends on how how quickly go through everything for you. That's Yeah. all. Is that now still okay? Yeah. That's fine. Yeah.","start_word":31,"end_word":149,"sentiment":"neutral","sentiment_score":0.10579559206962584},{"text":"Beautiful. All good.","start_word":150,"end_word":152,"sentiment":"positive","sentiment_score":0.4823636710643768},{"text":"Before we jump into the call there, Christopher, just to let you know, I do recall these calls with quality and training purposes. Are you happy for us to proceed with that? Yep. Beautiful. And just to do a quick security check there for you. So just to confirm, your full name, your date of birth, and address I should have on file? My name is Christopher John Thompson. My date of birth Yep. is the 12/02/1983. My Yep. residential address is 19 Gloucester Crescent, Darling Heights, Toowoomba, Queensland 4350.","start_word":153,"end_word":242,"sentiment":"neutral","sentiment_score":0.08385806530714035},{"text":"Beautiful. Thank you so much for that. Appreciate it.","start_word":243,"end_word":251,"sentiment":"positive","sentiment_score":0.6070067882537842},{"text":"Now I normally do send through some annual review documents to kinda go through with you as part of the review. Are you able to access your emails? If you can't, that's okay. I can go through things for you. I should be able to get by the email. Yes.","start_word":252,"end_word":301,"sentiment":"neutral","sentiment_score":0.10098235309123992},{"text":"Beautiful.","start_word":302,"end_word":302,"sentiment":"positive","sentiment_score":0.44145309925079346},{"text":"I'm just going to send it through to you there now.","start_word":303,"end_word":313,"sentiment":"neutral","sentiment_score":0.301142156124115},{"text":"Beautiful.","start_word":314,"end_word":314,"sentiment":"positive","sentiment_score":0.41216185688972473},{"text":"Okay. It just told me it's sent. Hopefully, the Internet locks the same.","start_word":315,"end_word":327,"sentiment":"neutral","sentiment_score":0.2005739063024521},{"text":"It comes through to you nice and quickly.","start_word":328,"end_word":335,"sentiment":"positive","sentiment_score":0.3935643136501312},{"text":"Yeah.","start_word":336,"end_word":336,"sentiment":"neutral","sentiment_score":0.27501171827316284},{"text":"Fantastic.","start_word":337,"end_word":337,"sentiment":"positive","sentiment_score":0.44804298877716064},{"text":"Uh-huh. Yep. It's here.","start_word":338,"end_word":341,"sentiment":"neutral","sentiment_score":0.21273386478424072},{"text":"Excellent.","start_word":342,"end_word":342,"sentiment":"positive","sentiment_score":0.4923669695854187},{"text":"So with that one there, to make it yeah. You do have a little button that says sign here, and if you press that button, it'll take you through to review the documents. But the documents that I do kinda wanna review with you are actually set as attachments. So if you look below, there should be a couple of attachments there, and one of those will be your superannuation summary of insurance as a super. Yep.","start_word":343,"end_word":419,"sentiment":"neutral","sentiment_score":0.051509153097867966},{"text":"Super summary. That's the one. Yeah. So if you can open up that one for me, that would be fantastic.","start_word":420,"end_word":439,"sentiment":"positive","sentiment_score":0.43902236223220825},{"text":"Uh-huh. Is that opening for you? Yeah. It says it is. Yep. Summary of superannuation. Yep.","start_word":440,"end_word":455,"sentiment":"neutral","sentiment_score":0.07741846144199371},{"text":"Beautiful. Thank you so much for that.","start_word":456,"end_word":462,"sentiment":"positive","sentiment_score":0.6386281251907349},{"text":"So just having a look back at your annual review, the last review we were able to do, I know your balance then was about $86,003.83. So having a look at your balance as of the July 27, these documents were prepared just a couple of weeks back there. Your balance then was sitting at a $106,852.53. Looking at your super balance today, you're sitting at a $109,545.89 there.","start_word":463,"end_word":531,"sentiment":"neutral","sentiment_score":0.1166263222694397},{"text":"So you have had a bit more growth since we prepared these documents, which is fantastic. Beautiful. Excellent.","start_word":532,"end_word":549,"sentiment":"positive","sentiment_score":0.4032977223396301},{"text":"Now underneath that, it does look like you don't really have any kind of insurances like personal protection, life, PVD, income protection, trauma. Has anyone kinda gone through and spoken to you about those sorts of insurances, what they are, how they can benefit you, or if you wanna look at getting anything like that? I've spoken to someone about it before. I just haven't Yeah. gone too far with that. I've got I have got life insurance for I've got well, yeah, life insurance. So I've got it's Yep. a refund call. So Okay. And paid sort of out of your back pocket or personally? yeah. Yeah. Beautiful. How much are you covered for with that life insurance policy? Good question. It's been a while since I've talked about it. It was, I think, 200,000 because that was the amount to be able to pay out my mortgage.","start_word":550,"end_word":698,"sentiment":"neutral","sentiment_score":-0.026259337470635472},{"text":"Okay. Perfect.","start_word":699,"end_word":700,"sentiment":"positive","sentiment_score":0.4941954016685486},{"text":"So you've got it this is the base of covering your mortgage just in the event that something was to happen. Yeah. Yeah.","start_word":701,"end_word":723,"sentiment":"neutral","sentiment_score":0.27782052755355835},{"text":"Beautiful. Excellent.","start_word":724,"end_word":725,"sentiment":"positive","sentiment_score":0.7076396942138672},{"text":"Well, I mean, looking at the way the life insurance is structured, you've got that solely for the purpose of paying out the mortgage. I'm just having a look at your current scenario here. On the last background, we had noted your mortgage was sitting at 161,000. Do you have you reduced that a bit since you last sort of spoke to us at all? We actually drew on it to do some renovations to the house in the near future. So Okay. I can give you an exact amount that we owe at the moment. Yeah. You're right. If you do you want that? Yeah. If you've got it, if you have an exact absolutely. If you can't find the exact system approximate, it's fine. Come on. The exact amount, once it loads, Yeah. You're right. is $203,503 and 30 Okay. 2<unk>.","start_word":726,"end_word":870,"sentiment":"neutral","sentiment_score":0.05023382976651192},{"text":"Beautiful. Thank you for updating that there.","start_word":870,"end_word":877,"sentiment":"positive","sentiment_score":0.578899085521698},{"text":"So, realistically, when you think about your life cover, your 200,000 basically almost covers the mortgage there. And then if you were to then pass away, your physical balance is also paid at your beneficiaries, which could provide an additional kind of boost there. With your income, you we had you on about 40,000. Is that the same, or have you got an increase since the last quarter? I'm not entirely sure the exact amount. It it had gone up slightly, so it Yep.","start_word":877,"end_word":961,"sentiment":"neutral","sentiment_score":0.1160128116607666},{"text":"it's still not great. Each rate just don't get paid much.","start_word":961,"end_word":972,"sentiment":"negative","sentiment_score":-0.3405541777610779},{"text":"Sorry. You just add molding. That's official. So, yeah, but, yeah, it it will be slightly more, but I'm not sure not sure of the exact figure. Yeah. No. That's okay. All good. I mean, realistically, looking at sort of the insurance side of things, we're just kinda relating it back to your your life situation currently. If you were to then pass away, the Suncorp cover pays out the mortgage for you, and then your super benefit based on your current amount covers your income based on, say, 40,000 for almost three years, essentially. So a little under three years, actually, is seven months realistically. Do you think that's a fairly okay level of cover? Did you wanna look at maybe getting some additional life insurance, or are you sort of happy to support you've got at the moment? At this stage, I'm happy like, I probably will look into it in the notches Mhmm. in the future, but I'm fine for the moment. Yep. I don't That's anticipate okay. disappearing You're anytime right. soon. No. That's okay.","start_word":972,"end_word":1149,"sentiment":"neutral","sentiment_score":0.01356028440523516},{"text":"All good.","start_word":1150,"end_word":1151,"sentiment":"positive","sentiment_score":0.38966450095176697},{"text":"And thinking about other types of cover like disability insurance, income protection, and trauma, do you feel like you would wanna look at maybe getting some of that now or sort of hold up until down the track when you feel it's appropriate for you? What's your thoughts there? I'll probably just hold off. When I do a review of my life insurance and stuff like that, I'll probably look at it all then, Yep. go through and have that. But the thing that is my income protection, I really don't get paid much. So it's, yeah, not a hugely important thing. My wife's got my wife earns a lot more than I do. So Yeah. So, realistically, if you weren't able to work in the short term, her income would still be fairly sufficient to cover the expenditure? yeah. Yep. That's okay. Do you have any kind of long service leave, sick leave, or annual leave that you could also fall back on if you were off work in a short term? No. Not much now. No. Yep. Alright. That's okay. Soon, I don't think like, soon so I've been working with Education Queensland for six years now, so it wouldn't be too far off having some long service leave, I guess. Yeah. Absolutely. Yeah. Definitely.","start_word":1152,"end_word":1368,"sentiment":"neutral","sentiment_score":-0.019999435171484947},{"text":"Excellent. All good. Perfect.","start_word":1369,"end_word":1372,"sentiment":"positive","sentiment_score":0.5431681275367737},{"text":"Well, I mean, income protection, so it doesn't look like it's more one of those things. The main sort of thing I'd be sort of looking at with you is probably PDD, total permanent incapacity. It's more about if you're never able to go back to work again, how you sort of look after yourself. One of the biggest things that I sort of focus on with TBD is that if you're not able to go back to work again, there's a cost of covering your income for a certain period of time. But then then because you are still so young, a lot of people who are currently disabled have to make modifications to their house, buy new cars, pay for rehabilitation support, and things like that. So there are other costs to sort of think about when comes to permanent incapacity or total permanent disability. But when and if you are ready to have that kind of conversation, let me know.","start_word":1373,"end_word":1535,"sentiment":"neutral","sentiment_score":-0.09512250870466232},{"text":"I'm more than happy to make time to talk about what your goals are, what's important to you, what kind of level of cover you might need and or want, and what the cost and how it can be structured to sort of help you along.","start_word":1536,"end_word":1581,"sentiment":"positive","sentiment_score":0.34035801887512207},{"text":"Okay. Yep.","start_word":1582,"end_word":1583,"sentiment":"neutral","sentiment_score":0.2781244218349457},{"text":"Easy. Beautiful.","start_word":1584,"end_word":1585,"sentiment":"positive","sentiment_score":0.5958329439163208},{"text":"When you do think about your super goal wise, I'm just sort of going back to your last day review. We had noted, I believe you were hoping to be able to access super oh, sorry. It's a bit longer back. Around about sort of sixty to sixty five months, does that ring a bell, and does that still sound fairly appropriate for you? Yeah. After that, whatever. For the time I get there, the retirement age will be 80, but, yeah, sometime around that point. Yeah. I really hope it's not 80 because I'm the same age as you, so I'd like to retire at 60. I would hate to get to 60 and then tell have them tell us we're gonna work another twenty years. We will have worked You know, now. it's it's slowly creeping up. It's now 67.","start_word":1586,"end_word":1727,"sentiment":"neutral","sentiment_score":-0.024370873346924785},{"text":"So Well, I can actually give you some good news.","start_word":1728,"end_word":1737,"sentiment":"positive","sentiment_score":0.41152164340019226},{"text":"So the age 67 mark, that is for the eligibility for the age pension through Centrelink. But when it comes to your super, you can actually access super at the age of 60. If you fully retire and or stop working with the intention to retire fully, you can access your super wholly tax free, take it as a lump sum or an income stream. Sixty five, they'll let you have it regardless of whether you're working or not. And 67, if you're eligible, you can access the age pension through Centrelink. So you really don't have to work as long as you think you do if you don't wanna. Well, ultimately, it'll depend on how much money I have for, like, a built up retirement. I won't want to retire until I can live comfortably enough to get by, so depends on how. Mhmm. But the way I was always explained that the what it's like the super, it'll Mhmm. it starts off slower and gets more the longer you go along. So you'll be getting oh, like, at the moment, I'm only a 100,000, which is not gonna cover me for anything. Yeah. So, Yeah. yeah, hopefully, by the time I'm 60, I'll have a bit more there. Absolutely. And that's sort of what I wanted to look at things for you today. So this year has been a little bit up and down in the markets there. There have definitely been some volatility, and I kind of had a look at your super beforehand. I'm gonna go through the report with you in a minute, but I found some areas that we could probably make some improvements on your super because your portfolio is very much older. You've kinda been on board since 2021 there, and your your super you know, portfolio hasn't really changed or evolved much in that time. So I did have a really good look at things before we came on the call. And, realistically, I definitely like to make some changes to your super if you're comfortable with me doing so, and I'll go through sort of what I'm thinking there. But, look, in all honesty, you're not wrong. What you sort of said there about the way super grows and how it works is absolutely correct. Like, if you think about someone with receiving a 5% return and their balance is super 50,000, they're essentially making $2,500, whereas someone with that same 5% return on a $500,000 balance is about 25,000. So the idea is we start off with a lower balance. We'll have it out to get our super up to about 200,000. And then once you get over that 200 to $2.50 mark, you sort of start to see the compounding effect much greater, and your suit Yeah. balance tends to start working a bit a bit better from there.","start_word":1738,"end_word":2218,"sentiment":"neutral","sentiment_score":0.1292343128186006},{"text":"So you are absolutely correct in the way that works.","start_word":2219,"end_word":2228,"sentiment":"positive","sentiment_score":0.5669829845428467},{"text":"It just feels like we work forever to get our suit balance up that high, so I understand Yeah. that. Alright. But now look. Let's go through your paper because this year has been a little bit volatile, and I'm very upfront and honest with you. We've had some great returns, and the last year has had much of a lower rate of return. So I have kind of wanted to go back and have a little bit of a look at the super, maybe update your portfolio to make sure that things are working a bit harder for you for the next couple of months. In that email, there's a document in there. It should say asset performance detail or portfolio report. Can you see that attachment there at all? Give me a sec. I've gotta go back through and find it. Oh, sorry. No. You're good. Uh-huh. So it's the Netwealth asset performance detail. That's the one. Yeah. Perfect. Okay. It's just opening. Check Yep. it's just That's going okay. slow. Yep. No. Okay. That's understandable.","start_word":2229,"end_word":2406,"sentiment":"neutral","sentiment_score":0.049774281680583954},{"text":"Beautiful.","start_word":2407,"end_word":2407,"sentiment":"positive","sentiment_score":0.3583221435546875},{"text":"Now the front page It's here open. basically goes through for the last twelve months and essentially looks at all the individual investments that you do have within your portfolio currently. This is based on the what sort of happens from July to July because that's on these documents to prepare that. But there's not a great deal of change. We have seen a little bit more since then.","start_word":2408,"end_word":2476,"sentiment":"neutral","sentiment_score":0.03671952790540198},{"text":"So in the last probably month, we've seen about a few a two to 3% increase in the market and in your portfolio, which has been really good to see.","start_word":2477,"end_word":2506,"sentiment":"positive","sentiment_score":0.4319273233413696},{"text":"But, realistically, one of the things we had better with the volatility and everything that's been going on this year is that markets have been a bit up and down, and it's definitely had a bit of an effect on everyone in their portfolios there. The other thing that really affected your portfolio this year was the Bennelong Estate equities investment that you've got there or did have. We've actually removed that from your portfolio.","start_word":2507,"end_word":2581,"sentiment":"neutral","sentiment_score":-0.23114441335201263},{"text":"So earlier this year, we had sort of notice that that was underperforming significantly.","start_word":2582,"end_word":2595,"sentiment":"negative","sentiment_score":-0.341038316488266},{"text":"To kinda give you a run through on that along, that is an actively managed fund. So the investment manager within the fund there is supposed to be trying to pick and find the market, choose investments, and choose when to buy into those investments. And they must be trying to outperform against the market, essentially. They haven't been able to do that. They've had some underlying issues within the investment. So we flagged this in March that that was an issue, and we had sent through a record of advice and email to you back then to let you know that we were pulling that out of your portfolio. Did you remember receiving that email at all in March? Begley. That's okay. It is a few months ago now.","start_word":2596,"end_word":2725,"sentiment":"neutral","sentiment_score":-0.05117888003587723},{"text":"It's all good.","start_word":2726,"end_word":2728,"sentiment":"positive","sentiment_score":0.40458497405052185},{"text":"Yes. Now our investment committee had flagged.","start_word":2729,"end_word":2735,"sentiment":"neutral","sentiment_score":-0.03825081139802933},{"text":"That investment was underperforming.","start_word":2736,"end_word":2739,"sentiment":"negative","sentiment_score":-0.35184288024902344},{"text":"We wanted to remove that quickly, so we did send a record of advice out to everyone to try and remove that from the investment portfolios ASAP. It did, unfortunately, mean that there was some losses received. We had to cement those, but we've put you into the investment below that, which is the beta shares a 200. That investment is actually giving you broader diversification. So instead of having 15 or 25 different companies within the Benelon Fund, you now have exposed the top 200 companies on the ASX.","start_word":2740,"end_word":2829,"sentiment":"neutral","sentiment_score":0.03935648500919342},{"text":"So it is giving you a lot more diversification, which is helping to lower your risk profile. It is more of a passively managed fund, so it is also cheaper, which means more money stays invested in your super for you.","start_word":2830,"end_word":2870,"sentiment":"positive","sentiment_score":0.3770543395019159},{"text":"But it has sort of meant that the market, with the ups and downs and also Venlo having a bit of an effect there, that your portfolio hasn't returned what we sort of have liked it to return for this year.","start_word":2871,"end_word":2911,"sentiment":"negative","sentiment_score":-0.33765918016433716},{"text":"Yeah.","start_word":2912,"end_word":2912,"sentiment":"neutral","sentiment_score":0.17499887943267822},{"text":"Since moving the a 200 in there, it has grown by about 2.92%. So it is good.","start_word":2913,"end_word":2929,"sentiment":"positive","sentiment_score":0.4246038496494293},{"text":"We have seen recovery back from that, but there is still a little bit of a recovery period to have from the Better Long investment being down. So I'm just letting you know, open and honest, that the markets haven't performed the way we want them to. Your performance is definitely lower than where we would like it to be this year, but I wanna go back and just review your investments because you are in an older portfolio. These investments haven't really been restructured or looked at in the past few years, and it is time to maybe update the portfolio to make sure that your your super is working a little bit harder for you. Do you have any questions, and are you comfortable with me doing that? Yeah. I've always been wanted I'm happy to play a little bit more conservative because you hear the stories of people who, yeah, they've had really high gain things, and then they lose it all and get, like, yeah. So I've always been a little bit more on the conservative side. Yep.","start_word":2930,"end_word":3111,"sentiment":"neutral","sentiment_score":-0.04385608062148094},{"text":"I'm happy to go with, like, the best judgment on what's gonna get me a satisfactory amount that's safe?","start_word":3112,"end_word":3130,"sentiment":"positive","sentiment_score":0.3559960424900055},{"text":"Yeah. Or as well, as safe as it can be. I know that there's inherent risk. There's a or Yeah. or inherent risk and everything, but, Yeah. yeah, mitigated risk is much better for me, I think. Yeah. No. Absolutely. That's understandable. So from what I can sort of see here, I'll go back and kinda review your portfolio a little bit. But I definitely maybe wanted to look at doing a bit of a risk profile questionnaire as well just to sort of see where you are sitting, because you did kinda mention to me that you are more of a conservative sort of person. When I sort of had a look back at your super, it looks like you might be in kind of that growth or high growth space. When we first signed you up on in 2021, I know they recommended more of a high growth portfolio. And it looks like you've probably maintained most of that kind of high growth sort of asset allocation. Yeah. There's nothing wrong with that for your agent stays. That high growth environment, you are taking a bit more risk. You're generally seeing about 90% invested in equity markets with a bit of, you know, commodities like gold and silver, and then still having about 10% defensive there.","start_word":3131,"end_word":3348,"sentiment":"neutral","sentiment_score":0.10051937878063512},{"text":"We do expect the likelihood of a negative year, probably one in every five years for this kind of environment.","start_word":3349,"end_word":3368,"sentiment":"negative","sentiment_score":-0.4448033273220062},{"text":"And with the risk profile, you're kind of expecting an average rate of return of eight to 10%. In saying that, with the kind of volatility that can be seen from this high growth environment, it could be plus or minus extra 14%. So from that 10%, at a good year, you can have it extra at 14% added on there, like, with the when the markets are doing well, see really good gains.","start_word":3369,"end_word":3442,"sentiment":"neutral","sentiment_score":0.0982450470328331},{"text":"However, when the years are quite negative from that expected 8%, you can always expect a low of 14% less than that which puts you into the negative.","start_word":3443,"end_word":3470,"sentiment":"negative","sentiment_score":-0.44531288743019104},{"text":"So, realistically, it's about taking on the level of risk that you're comfortable with. Yeah. But just because you're younger doesn't mean you have to take more risk.","start_word":3471,"end_word":3498,"sentiment":"neutral","sentiment_score":0.00781980063766241},{"text":"There are other things that can be done. I can see you're also making additional contributions to Super as well, and that can if you are wanting to be more conservative, adding more money into super can kind of help to mitigate the risk and close the gap a bit because you're investing more regularly and increasing the amount you're contributing. So that can also have a really good factor there for you.","start_word":3499,"end_word":3571,"sentiment":"positive","sentiment_score":0.599933385848999},{"text":"With with that, I just wanted to run through just a couple of questions to kinda gauge where your risk profiling might sort of fit for the moment. Yep. Just the first one here is have you ever invested in equity markets in your own name? Do you own any shares or cryptocurrency or anything? No. Although in hindsight, I should have gotten to that a number of years ago, but no. No. That's okay.","start_word":3572,"end_word":3646,"sentiment":"neutral","sentiment_score":-0.012827043421566486},{"text":"That's a beautiful thing, isn't it?","start_word":3647,"end_word":3652,"sentiment":"positive","sentiment_score":0.6479520797729492},{"text":"I've ticked the box to say you've got a bit of time. You can't actually access it because at the age of 60, so, realistically, you have longer than ten years ahead of you before accessing them. Yeah. The next the next question here is about inflation, and it says inflation means that things are getting more expensive over time, which makes your money worth less. The question is when you think about your super, are you comfortable taking on a higher level of risk to try and get those greater returns? Are you comfortable taking on a moderate or medium amount of risk to get those higher returns or average returns? Or are you not comfortable with risk in the market knowing the returns are lower? Where do you sort of sit on that scale? And you can go in between if you like. I'd probably be in the middle somewhere. Like, I don't Mhmm. mind taking some risks, but I don't want to get into a position where I lose half my super. So I'm I'm sort of in the middle. I don't mind some risk, but I don't want complete risk, I guess. Mhmm. Yeah. No. That's okay. That's not a problem at all. The next one here is how would you feel if you saw your super fall by 20% due to external market factors in, say, the next one to two years? Do you think you'd be wanting to take advantage of the market dip and put a bit of money into the market? Are you likely to hold and wait and speak to us and see what we suggest to do, or are you feeling a bit concerned about the markets and maybe wanting to sell the investments to cash?","start_word":3653,"end_word":3948,"sentiment":"neutral","sentiment_score":-0.136987566947937},{"text":"Oh, I probably am happy to you guys have done a pretty good job so far, so I'm happy to go with your best judgment or best recommendations at this stage.","start_word":3949,"end_word":3979,"sentiment":"positive","sentiment_score":0.6644843220710754},{"text":"Yep. Yep.","start_word":3980,"end_word":3981,"sentiment":"neutral","sentiment_score":0.28060245513916016},{"text":"Beautiful. Excellent. And the last one here is seeing a super full in value, how does that make you feel?","start_word":3982,"end_word":4001,"sentiment":"positive","sentiment_score":0.5002807378768921},{"text":"Are you feeling optimistic about the investment opportunities ahead? Are you cautious, concerned, or feeling a bit anxious knowing you're looking at the super balance having dropped? I won't be happy about it, but Mhmm. it's one of well, as I said, it's one of those things that has inherent risk.","start_word":4002,"end_word":4052,"sentiment":"neutral","sentiment_score":-0.1338268518447876},{"text":"So I would be disappointed if I saw a significant drop.","start_word":4053,"end_word":4063,"sentiment":"negative","sentiment_score":-0.3427206873893738},{"text":"But, Mhmm. yeah, it I'm not going to panic sell and all Yeah. that stuff either. So Yep.","start_word":4064,"end_word":4081,"sentiment":"neutral","sentiment_score":-0.03423121199011803},{"text":"That's perfect. Excellent.","start_word":4082,"end_word":4084,"sentiment":"positive","sentiment_score":0.4627058506011963},{"text":"And the last one here is have you ever thought about borrowing to invest in shares or manage funds, or would you only ever borrow for, say, an investment property or just comfortable having borrowed for your own property that you live in? If in a position, I I might consider other options. But at the moment, I'm just Yep. happy to have my house and do the renovations I need to get it fixed up. So Yep. it's something that I'd consider down the line, but it's not something that's necessarily on the horizon. That's something I'd consider Yep. down the track. Yeah. That's absolutely fine. Not a problem. Well, thank you so much for answering those questions. Now where you have scored is in that kind of a growth environment there. So, realistically, that sees us drop the risk level from high growth to growth. So you have about 80% in those, like, equity market sort of areas that are high risk investments that see greater potential returns, but, you know, also tend to see the volatility as well. And then we sort of have that 20% in low risk defensive investments, the cash bonds and fixed interest. That growth kinda area is expecting a return of around about seven to 9% compounded. We still can expect the likely likelihood of a negative 10, kind of one in every five years. That growth environment suits someone who's not accessing their funds for about six years. And with the expected volatility, we kind of expect a plus or minus around about 11%. So from that nine percent in a good year, you could see an extra 11% on top of that. In a bad year, from the 7% down, we could also see it if of up to 11%, the other side of things. Do you kinda feel comfortable being in that growth kind of environment, or would you wanna be more high growth? How do you sort of feel, and where do you think you fit? I'm I think I'm probably, like I I like the high growth, but as long as it's not too big a risk. And, see, I'm not Mhmm. I don't I don't have the knowledge or skills that you have. And Yeah.","start_word":4085,"end_word":4463,"sentiment":"neutral","sentiment_score":0.02617999767923929},{"text":"so I'm happy to help you go have you guys invest Mhmm. wisely on Yep.","start_word":4464,"end_word":4478,"sentiment":"positive","sentiment_score":0.4485059976577759},{"text":"my behalf. Yep. That's okay. Looking at where you're sort of talking to me about and I'll go back and double check sort of what your exposure looks like in the market at the moment, whether you are growth or more that high growth because I can see conflicting information in the past of our note fee. But, essentially, what I'll do with what I'm sort of thinking, you've kind of made mention to me that you do feel a bit more on that conservative side of things. And, realistically, for your age and stage, being in that growth environment is honestly absolutely fine. Normally, for someone of our age, they're either in that high growth environment or that growth environment. If you just feel like you want a little bit more not so much safer, but little bit more of that low risk effect, having 20% defensive is absolutely fine. Do you sort of think you'd like to be in that middle kind of area growth environment for a little bit longer? We sort of sit there for the time being. Look at your comfort level moving forward, and then if you feel comfortable to induce the increase the risk level, then we can kinda take that leap down the track. Does that feel more comfortable to you? Yep.","start_word":4479,"end_word":4698,"sentiment":"neutral","sentiment_score":0.1431318074464798},{"text":"For me, I probably I wouldn't go into the high risk one. I just I don't think that's a wise choice for me.","start_word":4699,"end_word":4721,"sentiment":"negative","sentiment_score":-0.3628710210323334},{"text":"I'm happy to stay in the growth area. Yep. I did when we first signed up, I did say the high growth because when I first signed up, I had, like despite having worked since I was 12, I had, like, 50,000 Yeah. dollars or something there. And so I thought, no. That's Yeah. not gonna be cutting it. So I did Yeah. say the high growth sort of thing when I first started, but Yeah.","start_word":4722,"end_word":4797,"sentiment":"neutral","sentiment_score":0.05175056681036949},{"text":"I'm still happy to be in sort of a growth area.","start_word":4798,"end_word":4808,"sentiment":"positive","sentiment_score":0.3356392979621887},{"text":"I don't mind the bit of risk, so I don't it doesn't have to be all defensive. But, Yeah. yeah, I probably am happy to go with the growth as opposed to the high growth, if that makes sense. Yes.","start_word":4809,"end_word":4848,"sentiment":"neutral","sentiment_score":0.15827839076519012},{"text":"That's absolutely fine. That's not a problem. I'll go back and look at your super, do some research around it.","start_word":4849,"end_word":4868,"sentiment":"positive","sentiment_score":0.4183984696865082},{"text":"I can even have a look at the Netwealth Fund and see if maybe there's any benefit to switching to another super fund if you're comfortable with me doing so. I can look at all the options, look at where things are tracking for you, look at, you know, the cost of everything. I also do look at the CGT side of it because your super fund, like, you actually pay income and capital gains that. So whenever I am switching investments or switching funds, I look at the consequences, what that looks like for you, how long it takes to kinda make that money back without additional growth, things like that. So if you're comfortable, I can have a look at everything, see how it's all tracking, and how we can put you in a better position and reassess the super and also the investments to kind of make sure you're in that growth environment, that the things are working as best they can, and see if we can lessen some fees in the fund for you. How does that sound? Yep.","start_word":4869,"end_word":5051,"sentiment":"neutral","sentiment_score":0.20723414421081543},{"text":"Sounds good. Yes. Beautiful. Excellent.","start_word":5052,"end_word":5056,"sentiment":"positive","sentiment_score":0.4915786385536194},{"text":"So, look, as I said, portfolio does need a bit of work. We can do something a little bit better with it. So I do wanna sort of go back and review that. Markets haven't been great, and your portfolio has definitely performed a lot less than what I would like it to do.","start_word":5057,"end_word":5110,"sentiment":"neutral","sentiment_score":0.10614791015783946},{"text":"But I'm pretty comfortable I can go back and sort of look at a way to boost that for you.","start_word":5111,"end_word":5130,"sentiment":"positive","sentiment_score":0.6107950210571289},{"text":"Do you have any questions currently on any of that at the moment? I know I touch on a lot, and I'm so sorry. No. You're alright. I Yeah. don't have any questions at the moment, but I Yep. am not also going to like, I'm happy to call you if I've got queries or if Absolutely. anything Yeah. if anything goes Yeah. crazy, I'm sure you guys will let me know.","start_word":5131,"end_word":5202,"sentiment":"neutral","sentiment_score":0.08602120727300644},{"text":"Absolutely. Bye. I do make it a habit of, like, checking things on a regular basis, going into the accounts of all my clients, having a look to see what's happening, where things are tracking, and, you know, giving you a buzz.","start_word":5203,"end_word":5244,"sentiment":"positive","sentiment_score":0.34979212284088135},{"text":"I also do wanna kinda down the track. I'm starting to kind of make sure everyone gets these catch ups on a regular basis. So making sure to do about a six month catch up with you at the very least just to make sure that we can if anything needs to kind of be updated, that we can look to do that. It also means that if at any point you wanna flag the insurance aspect or look at any other advice, you've got me calling you to kinda catch up in those points of view.","start_word":5245,"end_word":5341,"sentiment":"neutral","sentiment_score":0.2693622410297394},{"text":"So are you happy with maybe a six month catch up moving forward as well just to, you know, make sure we're staying on top of everything?","start_word":5342,"end_word":5368,"sentiment":"positive","sentiment_score":0.41022953391075134},{"text":"For sure. I've got no problem Yeah? with having a six month catch up, although there are times where I'm hard to catch because I've got a very That's okay. busy life. Yeah. So but yes. No. Six monthly is Yep. fine. Yep.","start_word":5369,"end_word":5411,"sentiment":"neutral","sentiment_score":0.0466485433280468},{"text":"Beautiful.","start_word":5412,"end_word":5412,"sentiment":"positive","sentiment_score":0.6240535974502563},{"text":"I can always make it that if, you know, you're having a bit of trouble if we're having trouble getting a hold of you, it's kind of around that catch up time, I can just shoot you an email with an update of the before performance, talk about what's kinda going on and happening, and then allow you to come back and let me know when you wanna sort of talk, when it suits you just in case it is kind of a busy period and you're not really available at those times at those times. Is that okay with you? Yep. That's fine. Yep.","start_word":5413,"end_word":5517,"sentiment":"neutral","sentiment_score":0.0780780166387558},{"text":"Beautiful.","start_word":5518,"end_word":5518,"sentiment":"positive","sentiment_score":0.63776695728302},{"text":"Just so we're making sure to touch base, but also not harassing you in any way when you're actually Oh, unavailable my. and probably not not really able to talk. So that's easy then.","start_word":5519,"end_word":5552,"sentiment":"neutral","sentiment_score":0.09769494831562042},{"text":"Perfect. Excellent.","start_word":5553,"end_word":5554,"sentiment":"positive","sentiment_score":0.5776771306991577},{"text":"The other thing, just to kinda go through an update there for you. Now the other thing, sorry, your income. So when I am updating your advice, I do need to kinda factor in the contribution side of things for you. I know you kinda mentioned your income's a little bit higher. What is your do you know what your take home pay looks like on a weekly or fortnightly basis? Because I can always use that to go back and do the math for you. I can have a quick check. Yeah. You're I'll have a quick look and see right. what it should be. Sorry. Yeah. Just give You're me right. a second. Not a problem. Where are we? So my take home at this stage is about 1,700 a fortnight.","start_word":5555,"end_word":5687,"sentiment":"neutral","sentiment_score":0.05635553225874901},{"text":"Perfect.","start_word":5688,"end_word":5688,"sentiment":"positive","sentiment_score":0.4137068390846253},{"text":"So it's Fortnight.","start_word":5689,"end_word":5691,"sentiment":"neutral","sentiment_score":0.25514131784439087},{"text":"Excellent. Thank you for that. And I can see that you're also making some additional contributions, some non concessional contributions into Super there, which is fantastic.","start_word":5692,"end_word":5717,"sentiment":"positive","sentiment_score":0.5332962274551392},{"text":"It looks like at the moment, it's around about a $103 on a fortnightly basis. Does that sound about right? Yep. Yes.","start_word":5718,"end_word":5739,"sentiment":"neutral","sentiment_score":0.17599834501743317},{"text":"Beautiful. And you're happy continuing that moving forward?","start_word":5740,"end_word":5747,"sentiment":"positive","sentiment_score":0.6696690320968628},{"text":"Did you wanna kind of reevaluate those and or increase or alter those if it works out to your benefit to do so, or are you happy just to set them out because the the expenses are quite high? I'm happy for the like, to stay at that for the moment, but maybe next time we patch up, it might be worth looking at. Yep.","start_word":5748,"end_word":5812,"sentiment":"neutral","sentiment_score":0.1231444850564003},{"text":"Yep. Beautiful. Beautiful. And then we with the non concessional contributions, so there are like, with the way you're doing it, it is really good because the money going in from your after tax income has been a 100% invested. So unlike your employer contributions, which sees 15% tax deducted out of it, that money is kind of providing a greater boost to you.","start_word":5813,"end_word":5876,"sentiment":"positive","sentiment_score":0.5416011810302734},{"text":"Have you ever thought about claiming a notice of intent against those to sort of take them back to the tax deduction, or do you feel like the non concessional side of things is good, or did you want me to look at the best way to structure those to to provide you with a greater benefit? What's your thoughts there with those additional contributions? To be honest, I haven't really thought too much about it. I had yeah. But I just haven't thought much about it if I'm being completely honest. Mhmm. That's okay. So Did I'm you happy wanna for you keep to them if as you can if Yeah. you can You're right. say I'm sorry. something that's gonna Yes. help, then let me know, and we'll see if we can go ahead with it or if I don't feel comfortable or whatever. Just let me know, and I will we can see how we go. Absolutely. As part of the advice of factoring those nonconcessional contributions at the current rate they are, I'll look at the benefit they're providing, look at other structures to see how it works for you, if there's a benefit in altering them, And I can make the recommendation to retain them as they are or to alter them if they need be. I'll keep them at the exact same amount that you're putting in there regularly, though, so as not to alter your expenditure.","start_word":5877,"end_word":6119,"sentiment":"neutral","sentiment_score":0.10547402501106262},{"text":"But I I can have a look at all of that as part of what I do, which is fantastic, and I'll come back and include that in the advice document for you.","start_word":6120,"end_word":6152,"sentiment":"positive","sentiment_score":0.49513283371925354},{"text":"Does that sound okay?","start_word":6153,"end_word":6156,"sentiment":"neutral","sentiment_score":0.26013195514678955},{"text":"Sounds great. Yep. Fantastic. Excellent.","start_word":6157,"end_word":6161,"sentiment":"positive","sentiment_score":0.5332686305046082},{"text":"Just running through the other assets I do have here as well. So I've got two cars noted down. I have a combined value on those vehicles of about 35,000. Would you still keep them about the same, or would you alter those valuations? I that was my sort of best guess. We've still got the same true Yes. cars. Although, one of the things that we're looking at at in the near future is we've finished paying off my ute. So we're potentially looking at getting another new car sometime in the future. I don't know when, but Yes. it might change then. But at the moment, Perfect. it's still the same two vehicles. Yes. That's okay. That's not a problem at all. We also had noted you had some savings in the account, about 14,000 in savings. Do you still have those savings, or is that changed? Well, with with the way that we're doing our renovations, we actually got money from the bank to sit there so that Yes. we could get the renovations done. So we've actually got 90 ish thousand in the bank at the moment. Mhmm. To But, be used for the renovation. Yep. yeah, it could be used for the renovations, but the renovations we're looking at doing aren't anywhere near that at the moment. And I'm quite happy about the interest it's gaining because they've got so much in the account. So Yeah. Perfect. Not a problem at all. And is there any other assets or liabilities that we should probably note down as part of the fact signed at all? Not that I no. There's nothing we haven't got a credit card or anything like that. Nope. That's okay.","start_word":6162,"end_word":6449,"sentiment":"neutral","sentiment_score":0.04147397354245186},{"text":"Perfect. Beautiful. So Excellent. That's beautiful. Thank you for that.","start_word":6450,"end_word":6459,"sentiment":"positive","sentiment_score":0.5363223552703857},{"text":"The other thing to sort of talk about is the estate planning aspect. So I just had a quick look at your statement. I can see you've not got any beneficiary nominations on file. So I do wanna make sure that that is updated because at the moment, we're not having a beneficiary on your super fund. If you were to pass away, that money has to go through a bit of a probate process. Now just confirming, I don't like to make assumptions, but where would you realistically want your money to be paid to if you were to pass away? I'm a wife.","start_word":6460,"end_word":6564,"sentiment":"neutral","sentiment_score":-0.05461403550136657},{"text":"Perfect.","start_word":6565,"end_word":6565,"sentiment":"positive","sentiment_score":0.4292493462562561},{"text":"And that's Michelle? Yes. Yep. Yeah.","start_word":6566,"end_word":6571,"sentiment":"neutral","sentiment_score":0.1851288229227066},{"text":"Beautiful. Beautiful.","start_word":6572,"end_word":6573,"sentiment":"positive","sentiment_score":0.6091607213020325},{"text":"I will, as part of the the advice, update the beneficiary aspect before you make a recommendation. But it is really important we do have those beneficiaries on file because, essentially, if you would have passed away today, having its own little probate process, it means that people can come forward and stake a claim on your super. Obviously, there's no guarantees they're gonna get any of it, and, you know, it can just make life a little harder for Michelle in the event that she was trying to claim against this super there.","start_word":6574,"end_word":6667,"sentiment":"neutral","sentiment_score":0.14692553877830505},{"text":"So having those beneficiaries in place just makes it so much easier and more streamlined in the event that she ever did have to claim.","start_word":6668,"end_word":6692,"sentiment":"positive","sentiment_score":0.3707813024520874},{"text":"Okay. Yep.","start_word":6693,"end_word":6694,"sentiment":"neutral","sentiment_score":0.2478010505437851},{"text":"I'm happy to Excellent.","start_word":6695,"end_word":6698,"sentiment":"positive","sentiment_score":0.5394801497459412},{"text":"note down Michelle as my beneficiary. Beneficiary? Yeah.","start_word":6699,"end_word":6706,"sentiment":"neutral","sentiment_score":0.2935076951980591},{"text":"Beautiful. I can even get my team, if you're comfortable with us to do so, pre fill the documents for you with the information and send it out to you. That way, you just have to sign and get a witness, and it's all kind of prefilled, make it a little bit easier on you.","start_word":6707,"end_word":6761,"sentiment":"positive","sentiment_score":0.4923965036869049},{"text":"Yeah.","start_word":6762,"end_word":6762,"sentiment":"neutral","sentiment_score":0.28562718629837036},{"text":"I'm happy to send it out.","start_word":6763,"end_word":6768,"sentiment":"positive","sentiment_score":0.467597633600235},{"text":"I unfortunately Yep. have been in Slack at times, but I'll do Don't my worry. best, do my That's best to get okay. back to you as quick as possible. Yeah. That's okay. No worries. I'll make sure I follow it up.","start_word":6769,"end_word":6810,"sentiment":"neutral","sentiment_score":0.00550297973677516},{"text":"I'm pretty good with these sorts of things, and I do follow them up pretty regularly.","start_word":6811,"end_word":6826,"sentiment":"positive","sentiment_score":0.4305973947048187},{"text":"So I'll make sure I can help you to do that.","start_word":6827,"end_word":6837,"sentiment":"neutral","sentiment_score":0.33060112595558167},{"text":"Did Beautiful.","start_word":6838,"end_word":6839,"sentiment":"positive","sentiment_score":0.36499977111816406},{"text":"you want us to free fill Michelle's details for you to make it a little bit easier on you? No. That's fine. I can put in That's okay? the relevant details and stuff like that, I think. Yeah. No worries at all. And have you guys talked about doing up a power of attorney, will, or any other estate planning documents with a solicitor in the past? We've been talking about doing our wills for each other for the last ten years, but we actually haven't done it yet. Yeah. No. Definitely. It is definitely something very important to do, especially having a home and everything like that. So, you know, when and if you do speak to a solicitor, definitely do so. I could even do up an email for you over the next couple of days if you like just to sort of outlay some information on some easy options to setting up your will. Did you want me to draft up something for you just as a bit of information? No obligation. Sort of deals looked up. Yep.","start_word":6840,"end_word":7020,"sentiment":"neutral","sentiment_score":0.13308337330818176},{"text":"That sounds fine.","start_word":7021,"end_word":7023,"sentiment":"positive","sentiment_score":0.3344537019729614},{"text":"Yeah.","start_word":7024,"end_word":7024,"sentiment":"neutral","sentiment_score":0.2825729250907898},{"text":"No worries at all. Happy to help you out and do those sorts of things to give you guys a bit of a helping hand. Sometimes it can just be a little bit to start the conversation again.","start_word":7025,"end_word":7062,"sentiment":"positive","sentiment_score":0.5269473195075989},{"text":"And there are some ways to kinda do it a little bit cheaply, especially with, like, the Queensland trap days where you can do it over the phone or on the line or by email. You don't actually have to go into the solicitor's office. So I can draft up a couple of those different options for you to kinda make it a bit easier when you are having those conversations.","start_word":7063,"end_word":7133,"sentiment":"neutral","sentiment_score":0.29730504751205444},{"text":"Perfect.","start_word":7134,"end_word":7134,"sentiment":"positive","sentiment_score":0.533993124961853},{"text":"Yep.","start_word":7135,"end_word":7135,"sentiment":"neutral","sentiment_score":0.305112361907959},{"text":"Excellent.","start_word":7136,"end_word":7136,"sentiment":"positive","sentiment_score":0.4786490797996521},{"text":"A couple of weird questions for you. Are you a pool are you a tax resident of another country? No. No? Beautiful. Told you it was a little bit weird. And do you guys have private health insurance? No. We we sort No. of we talked about it and then we didn't talk about it and it never actually eventuated. So we're currently just a public system at the moment. Yeah. No. That's okay. Not a problem at all. I told you those questions would be a little bit less packed.","start_word":7137,"end_word":7227,"sentiment":"neutral","sentiment_score":-0.032031011931434435},{"text":"It's all good. Fantastic.","start_word":7228,"end_word":7231,"sentiment":"positive","sentiment_score":0.5636990070343018},{"text":"So, realistically, with the advice, just to kind of recap on what I'll do, I'll go back and sort of scoping wise, we'll factor in superannuation. Now I know when you came on board originally, the advice was kinda giving you a projected outcome over the next thirty odd years. I don't kinda do that because your life can change very heavily within the next sort of ten years. I limit my projected outcomes to five to ten years. We sort of focus on what's happening in the shorter term and then note we can update things moving forward. Yep. Yep. I just I don't like the idea of projecting thirty years in the in the future. You just never know what could Well, change. it's a long time to try and get right. Exactly. Exactly. So just to let you know, that's kind of how I do the advice pages for you, but it's about making sure that we track things and keep updating things as your life changes too, which is really important. So I'll start in the superannuation side of things, looking at your contributions and how to structure them to make it work for you to give you the best benefits longer term. We'll update the portfolio. I'll look at the super and make sure that that net wealth is still appropriate. If not, I can recommend something else. I'll look at, you know, replacing any underperforming investments, look at cost back cost wise there. Do you have any kind of preference around having active managers in your fund to try and outperform against the market or more just looking at a low cost portfolio? What's your kind of preference in the way you prefer to have investment structured? I If you don't have a preference, I that's okay. yeah. I don't really have a preference at this stage. It's Yeah.","start_word":7232,"end_word":7546,"sentiment":"neutral","sentiment_score":0.02023390866816044},{"text":"the reason I was happy to jump on with you guys is that, yeah, I was happy to have you guys sorta use your wisdom.","start_word":7547,"end_word":7571,"sentiment":"positive","sentiment_score":0.35601481795310974},{"text":"Yep. So Yep.","start_word":7572,"end_word":7574,"sentiment":"neutral","sentiment_score":0.22338585555553436},{"text":"Beautiful.","start_word":7575,"end_word":7575,"sentiment":"positive","sentiment_score":0.5313620567321777},{"text":"Well, I promise I will look after you.","start_word":7576,"end_word":7583,"sentiment":"neutral","sentiment_score":0.30208858847618103},{"text":"One of the big things that I sort of pride is that we do work under the best interest duty as part of the corporations act.","start_word":7584,"end_word":7609,"sentiment":"positive","sentiment_score":0.3669813573360443},{"text":"So if there is ever a point where your best interest conflicts with that of anyone else here or my bosses, I always put you first.","start_word":7610,"end_word":7635,"sentiment":"neutral","sentiment_score":0.06622917205095291},{"text":"And I really honestly am probably the happiest little person to talk about super insurances the world has ever seen. So I'm looking forward to doing the research and coming back with the advice piece.","start_word":7636,"end_word":7670,"sentiment":"positive","sentiment_score":0.5322659611701965},{"text":"We'll limit it to superannuation, and moving forward, we can always down the track, look at, you know, additional contributions if need be and insurances when you're ready to do so. But we'll sort of book a weather super tracking and what we can do and how we can structure the super and the portfolio to make it work for you. Does that Yes. sound okay?","start_word":7671,"end_word":7736,"sentiment":"neutral","sentiment_score":0.2654339671134949},{"text":"That sounds good. Beautiful. Look. Thank you so much.","start_word":7737,"end_word":7745,"sentiment":"positive","sentiment_score":0.7048177719116211},{"text":"Now the only other sort of thing to sort of point out is that in that email there, when you press the sign here button, we have two little documents there. One of those is the ongoing service agreement, which essentially notes you pay an ongoing service fee of 1.65 percent per annum. Yep. Our ongoing service fee will, as of next year, be a full tiered structure, which essentially means that once your super balance hits over 200,000, you'll drop down into the next tier, which drops your fee from 1.65% to 1.375%. And then when it hits over 500,000, it will drop down a tier again. So we've kind of implemented that new structure so that as your superfast increases, you drop down to the tier and the percentage will decrease for you, which will kind of work out to your benefit as your super increases. No. If for now, because it's under that 200,000, just the 1.65% per annum, that is deducted out of your super on a monthly basis. In smaller increments there, the document does outline the total fee expected for the year, which will let you know how much you'll pay.","start_word":7746,"end_word":7942,"sentiment":"neutral","sentiment_score":0.06049174442887306},{"text":"I obviously wanna make sure your super builds on that, makes that 1.65%, and then an additional, you know, bit of growth and income on top of that so it continues to compound forward for you.","start_word":7943,"end_word":7978,"sentiment":"positive","sentiment_score":0.4900246560573578},{"text":"Yeah. The other document we have in there is the tax file opt in form. So it is really important that you're aware we do hold your tax file number. We are very security conscious here, and we like to make sure you're aware that we hold it how and why. So that document outlines that, and we just ask that you sign and return those two documents back to me at your earliest opportunity, and I'll get back into this research there for you. Do you have any additional questions at all? No. Not at the moment. All good. Is there anything that I may have missed or I haven't touched on that might be important to you? Or Not that instantly leaves someone. As I said, I'm happy to call you if I think of something. yeah. Absolutely. No.","start_word":7979,"end_word":8119,"sentiment":"neutral","sentiment_score":0.08133405447006226},{"text":"Beautiful. Well, look. Thank you so much for your time this afternoon. I really appreciate you taking my call. I hope you have an amazing afternoon and a great weekend ahead. I will get back into this research.","start_word":8120,"end_word":8157,"sentiment":"positive","sentiment_score":0.66558438539505},{"text":"It takes a couple of weeks to complete things properly for you, but then I'll come back with the advice document.","start_word":8158,"end_word":8178,"sentiment":"neutral","sentiment_score":0.3011440336704254},{"text":"We can go through that together.","start_word":8179,"end_word":8184,"sentiment":"positive","sentiment_score":0.33823689818382263},{"text":"How does that sound?","start_word":8185,"end_word":8188,"sentiment":"neutral","sentiment_score":0.30196413397789},{"text":"Sounds good. Beautiful. I will let you go. I hope you have a great afternoon. Thank you so much for your time today.","start_word":8189,"end_word":8211,"sentiment":"positive","sentiment_score":0.721665620803833},{"text":"Not working. No. Thanks. Talk to you soon. Hey. I'm fine. See you later. Bye.","start_word":8212,"end_word":8226,"sentiment":"neutral","sentiment_score":0.12127775698900224}],"average":{"sentiment":"neutral","sentiment_score":0.10360222222242076}}}}