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Is that still a good time there for you? Oh, fantastic. How's your week been so far? Oh, good. Emma, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to meet everything with that? Fantastic. And just to do security there with you, so we are discussing your personal information. So I just need to confirm for me your full name, your date of birth, and address I should have on file there. Yep. Beautiful. I heard it was sunny in Victoria yesterday. How is the weather today? Oh, no. Oh, you know, I'm actually going down there on most of the family holiday in a couple of weeks, and I was like, I didn't even know how to pack, but just my brother-in-law has said pack for every weather under the sun. So oh, you poor thing. I couldn't imagine that. Like, I mean, here in Queensland, all it's done is, like, rain on and off, but it's definitely not as bad as what you guys get down there. You seem to get a different different season every two or three hours down there or every hour. All good. Well, and I know you are busy, so I was trying to take too much of your time, but just to run through your annual review there, we do normally send through some documents for you to review as well. Are you able to access your email, sir, at the moment? Yeah. Beautiful. I'm just gonna send an email to you there now. Your email is still at emma_cruising@hotmail.com. Is that right? Fantastic. I've just sent that one through to you there. It often comes through from dana@ocfinancial and or sometimes it just says Odoo. Fantastic. So if you open up the email, it has a button that says click here to start. I believe that's the button that says. If you click on that button, it'll, like, go through so you can see the summary of your superannuation and insurance currently. Oh, you're absolutely fine. Yeah. That's the one. I'm so sorry. This is a new system, so I haven't actually seen what you see yet. I do apologize. Yeah. I'm like, let's send me something to sign, but there's, like, nothing. I get a random document. I'm trying to press it, and then someone tells me they've changed or updated something and it's different to what I'm used to. And I'm like, oh, no. Yeah. You're abs you're absolutely fine. The rain might be affecting your emails too. Yeah. You're fine. Got it there. Perfect. Excellent. So when I have a look back at your annual review last year, your balance when you have 24 then was $272,009.57. And within a West Supa there, you had about $9,778.41. So West Supa hasn't really have much of a change. There's no contributions going in there. It looks like all your contributions are going into Hub '24. So you will see a a decent increase there. But we're also seeing a little bit of growth, albeit this year, we have seen a lot of ups and downs in the market with what has been happening. And I've had a bit of a look at your portfolio because it hasn't really changed in the last couple of years, and I've sort of noticed some areas where we could update or change your portfolio for you. So I'd love to provide some advice to kind of build on that, make some changes to your portfolio, and keep it working hard and long term for you. Okay? I'll go here with you in a second when you can see, though. It's not underneath that with your Aware super, that's a solely essentially being kept open to keep your insurances in place there. Your insurance cover within Aware is more of a it says level, but it's actually more of a group cover because it has definitely decreased. So your life cover and CPD that you had last year within AWARE was at a a sum insured of 348,600, whereas it has decreased while it's just 331,000 here. These sorts of covers do tend to decrease over time. Realistically, it's not a bad thing because, I mean, you wanna pay a little bit less. This has cost you more this year for the decrease than last year for the insurance premium, but it's also making sure that you have the level of cover that you're after as well. So when you sort of think about your life cover, if you were to pass away today and I'm sorry. It gets a little bit morbid. But if you were to pass away today, the 331,000 can be paid out to your beneficiaries, and then you've also got your super benefit paid on top of that. So currently, it's giving an approx figure of about 651,361 and 80 oh, sorry. 68¢ as a life insurance benefit. Thinking about that level of cover, does that feel appropriate, or did you wanna kinda reassess that? And if you were to pass away today, what do you want that to cover? Who do you want it to go to? Yep. Yep. Beautiful. That's Scott. Yep. Beautiful. I can see here that you do have your main primary residence and a couple of investment properties there as well. Do you still have those three properties? Mhmm. Okay. No. That's alright. Is that in Preston? Yeah. That's perfect. I'll just delete the other one here. It looks like it might have been noted down to five from the past, so it's absolutely fine. So I'll just delete that for you. So, realistically, now if you think about that that 651,000, how much do you have owing on your main primary residence currently? About 651,000 or six fifty ish. Yes. Oh, between the two. Yes. That's definitely fine. So, realistically, that level of cover could pay off those loans. That would mean that Scott could continue working, live debt free from the investment property, still collect income, or it could just pay off one or either of them and allow for a little bit of extra, you know, a buffer for him as well. How do you sort of feel about that level of cover? Does it feel like it meets your needs, or did you wanna kinda reevaluate that at all? That sounds okay? Yep. Beautiful. And so you said it's about 650,000 owing between the two properties. If you broke that up to each property, how much are you owing on the main primary residence as opposed to the investment property? Sorry. You're right. Sorry. You're fine. Yep. And the roughly $2.60 on the other. Yep. Beautiful. Update those for you. Asset value in your main primary residence. You have that valued at about $7.30 last year. Would you increase or alter the value on that currently, do you think? Yeah. 800,000. Beautiful. Excellent. And with the property in Preston, we had that valued about $4.50 last year. Would you increase that value there as well? Yep. That's perfect. Excellent. So for BC life cover, you're sort of happy with that level of cover you have at the moment there. Now with your PCD, your total permanent disability cover, that would be paid out as a lump sum or an income stream in the event that you were never able to go back to work again. Say you had some sort of disability, a car accident, and you were never able to go back to work again. In order to meet the definition for TBD, isn't any definition that means that you must never be able to go back to work for any occupation for which you have worked, educated, or trained. And if you were to claim TBD, just so you're fully aware of how TBD works, if you're under the age of 60 and you have TBD fully paid out, you can actually pay tax of up to 22% on the payout, which reduces how much you could receive after the fact, which is terrible and not fair in any way, shape, or form. But if you were to also claim on TBD, other permanent incapacity, we can also claim against your super. So it does mean, theoretically, before any tax consequences, you're still covered for that $651,003.61 and 68¢. Do you feel like at the moment that's an appropriate level of cover? Would you wanna kind of reevaluate that? And what sort of what would you how would you think that money would be used if you were TBD? Sorry. I asked all the questions you probably never thought of. Tough one, isn't it? Absolutely. Absolutely. And that's the other definitely. Cover you. Absolutely. And that's probably the toughest part because having insurance is paid out of super is good because it means you're paying those premiums out of your back pocket, but it also means that those premiums are coming out of your super contributions and the growth. So it does have an effect long term on how much super you end up with and, you know, making sure that we can review the insurances and decrease them or alter them over time because they're not because they do increase in price. I mean, if you look at the the cover last year, as I kinda mentioned, is you had about 348,000 of life and TBD. It's decreased to 331,050, even though where. But last year, you paid a thousand and 57 for the insurance premium for the year. If this year, you're paying a thousand 117. So within the industry funds, these insurances are decreasing, but it looks like your the amount you're paying because the risk of you claiming is becoming increasingly higher over time. And that that also has an effect on your super. So we definitely wanna make sure we review those with you. But do you think the now CBD would be appropriate? Did you wanna have a think about it? What's your thought? Yeah. Did you want me to maybe do some research? I can start by maybe going through doing a pre assessment with you, get my calls to a pre assessment, and I could have a look at maybe seeing if there's some better cover out there, looking at trying to consolidate things for you. Would that be something you'd like me to maybe do? Your job. Yeah. Yeah. Absolutely. I can sort of see that. So you yeah. I can see you work for the state government in forestry work, so bushfire services. Is that right? Yeah. That's okay. If I was to go and look. I'm happy to do it. I think it's, yeah. I have had a couple of clients where I have gotten them wife and TDD and income protection based on being a firefighter. So there could have definitely been some changes in occupation standard. I would love to, get one of my colleagues over the next couple of weeks to do a bit of a pre assessment with you, and I can go back and reassess all of that and see what I can do to put you in a better position, maybe get a level of insurance that's not gonna keep decreasing over time and see what we can do as a comparison for you and update the advice to reflect. Are you comfortable with me doing that for you? Yeah. Yeah. Yeah. Yeah. I have I have that argument with an insurer the other week. You know, like, yes. You've got this risk level that you assess, but when you think about some of these high risk occupations, they actually have so many safety measures in place that it's probably safer than going to work than me going and sitting in an office. So, you know, the the risk of you guys claiming is probably lower. Yeah. Yeah. No. I I absolutely agree with that. And the insurer just looked at me and went, yeah. Look. I don't disagree with you. They are. They are. And they have reinsurers. So, essentially, when the underwriters assess an application, they're also then providing the application and the information to their reinsurers. So they're insuring you for the risk of you having to claim, but then they're insuring themselves for the risk of you having to claim, and that insurance, they're insuring themselves. So it's just insurance on top of insurance on top of insurance. Every provider is reinsuring themselves for the risk of you claiming down the bottom here. It's a really interesting cycle to look at, and I was like, this is truly insane. No wonder insurance premiums cost so much. Just everyone is just insuring themselves for the for the policy. No. All good. Well, if I do go back and and have a look at the insurance, it's going to see what I'm able to obtain. See if I can maybe consolidate your supers and see what we can do to kind of benefit your super moving forward. Did you want me to look at the same level of life and TDD, or did you just want me to maybe look at the enough to cover both the mortgages? What would you want to cover in the event of a life and or total permanent disability event that you would like me to look at for you? Yeah. Would you like me to gross it up for maybe the 22 percent tax aspect? So in the event of a claim, we consider and look. Honestly, if you were to claim, we would try to keep the money invested. So a lot of people do pull all the money out as a whole, and that's where that 22 tax can really kinda get a hold of you. The tax is up to 22%. It could be less than that. It's just that we don't know because of the math calculation at the time of claim. It determines the actual taxable component. So we utilize the 22% because this is the worst case scenario that you could see. But we would also provide advice to try and keep as much money invested working harder because given your age I mean, you're 42 this forty forty three this year in December, so 42 years of age now. Do you still have seventeen years before you can access super at the age of 60. And then if you think about if you were not working, that's to the age of 60, but then there's a whole another lifetime in retirement that has to be funded and and to look after you as well. So we would wanna try and keep as much money invested in the super system or in a way that it's maybe paying your regular income, but still making it work long term for you so that the money lasts as long as possible. Does that make sense? Grossing up the TBD to a factor in the 22% tax, so maybe look at paying out both the mortgages and factor the tax component for the TBD side of things? Yeah. Beautiful. Did you wanna look at covering any years worth of income as well, or are you happy to looking at that as a base level of TBD? Yep. Beautiful. Fantastic. And I can also look at linking life and grossing that up as well. So it might mean you have a bit more life coverage, but it can make the policy cheaper as well. So we get things like multi policy discount. So I can look at that for you. Absolutely. Yep. Beautiful. And we you've also got your income protection benefit there. Now that hasn't changed. You still have the monthly benefit of 3,000 in the event of claiming. Again, income protection is a taxable payment. So if you are on an income protection claim, that monthly benefit is pretax, the same as your income. So, realistically, you're probably looking at about $252.06 as a monthly benefit. Does that feel fairly sufficient for you if you weren't able to work in the short term? Would you wanna look at some income protection that might be more sufficient for your age and age? Or yep. That you could survive on. Yeah. Income wise, I had you on a 107,000. Has it gone up since we last touched base? Yeah. Yeah. No. 114. Beautiful. So So if I look out so, realistically, with income protection, you can be covered up to 70% of your pretax income. If we're working on just your pay, 114,000, that means realistically, we need to look at a, like, a gross monthly benefit of 6,650. Did you want me to look at the income protection and see if I could maybe get that for you and see what it looks like? Yep. Yeah. Absolutely. Well, what I'll do because there's there's some things I would like to do, you see for as well, so an alteration of some of the investments there for you to kinda keep working harder. So I can go back and do the research on the insurances. I can always make a recommendation if I can find, you know, a more appropriate cover that covers your needs. I can always make that recommendation as part of the advice and show you what that looks like. Any advice that you provide is just advice, and then you get to decide whether you wanna take that or not. Does that sound okay? Yeah. Beautiful. Now on the bottom of that, you can see with the income protection, you've got a ninety day waiting period and a two year benefit period. That essentially means that you'd have to be off work the ninety days prior to making a claim and a two year benefit period so you can be on a claim for up to two years. With your occupation, getting a lower waiting period could be very tough. I know with the other insurers out there with your occupation, some of them do have a minimum ninety day waiting period. Are you comfortable with that kind of waiting period? Yes. Beautiful. And with the two year benefit period, it just means that you can be on a claim for up to two years. So if you're on an income protection claim, and at that two year mark, still can't go back to work. It does mean that the income protection claim will stop regardless. Did you are you happy with two years to try and keep the policy cheaper, or did you wanna look at a longer benefit period? Two years? Not a problem at all. Beautiful. Well, I will go back and do the the research there for you. Before the end of the call, I'll just book in a time for my colleagues to go through a pre assessment with you, and then I'll go back and do the research to go out to market and see what we can find. And I can update the advice to reflect and show you what it looks like as a whole. And then it'll also have the advantages, the disadvantages, the risks involved, and any alternatives we've also considered. And then you get to decide whether you wanna take the advice or not. How does that sound? Beautiful. Fantastic. Emma, if you move to the next document for me, the next one along oh, sorry. Before you do, I just have to have to double check. There are other types of insurances that you can also have that are paid outside of super, like trauma. Are you open or wanting to look at any additional covers, or are you just happy with the life of keeping in the income protection? Sorry about that. Yep. Perfect. Not a problem. I'll scrape that trauma and any additional personal insurance. We'll just focus on what you've got and how we can make that work for you. Beautiful. Excellent. Now the next page is your is your have 24 internal rate of return. So it's showing you the performance and how your investments have performed for the year. This year, we have seen a lot of ups and downs and volatility with the market there, but as of late, it has sort of smoothed out quite significantly. If you're looking at the first page there, you'll see that majority and if you look at the second last column, it's showing you how they've all performed as an internal rate of return, and most things are performing quite nicely. It's more just this Australian equity component at the very top there. So the ban along Australian equity's investment, that has some underlying issues, and it has been underperforming a little bit. I had a look at this prior to the call. I definitely wanna look at removing that from your portfolio now. So, normally, we are a bit hesitant about making rash changes to a portfolio when there's an investment underperforming. But the way I sort of look at this is I consider that against the rest of the Australian market. You've also got in your portfolio. You had no. You don't. This is much of an older portfolio. But you've also got into the S and P 500, which is up over 9% for the year on its own, which is sort of the one, two, three, four, five, six down there. That investment has done really well, and the rest of the Australian market tends to follow along with suit of the S and P 500 and with The US market. We tend to follow suit with everything that happens. The Australian market as a whole is doing quite well at the moment. So to see this investment down pretty heavily and sort of have a look into the investment itself, and it's not got to do with the market for the ups and downs that we are seeing. Unfortunately, the Benelon investment manager hasn't been able to do its job. It hasn't been able to outperform against the market, and they've had some underlying issues with some of the investments they're invested in. So I've made a decision to talk to you about this today, and I definitely wanna look at removing that investment now. I do not think there is a chance it could come back, but I do not think it's gonna be for some time. And I think holding that any longer is just gonna provide. Is not gonna sort of help your portfolio in any way, shape, or form. So if you're comfortable, I would love to remove that from your portfolio quickly. I'd love to replace it with something else and keep your portfolio working harder for you. Does that make sense? And do you have any questions? Yes. Perfect. Excellent. Now one of the things we do wanna look at and why we sort of have to have the conversation with you before we do make these sort of changes is there are different ways to investing. Essentially, when I have a look at the way you're invested within your super fund at the moment, you are in more of oh, sorry. More of a growth kind of setting. And this is a very much an older portfolio. Something has been in for quite some time there. So it does definitely need to be updated now. Within the growth environment within a super fund, you are invested generally about 80% in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities, and then about 20% in lower risk defensive investments in cash, bonds, and fixed interest. A growth investor is looking to get strong or has a strong, preference for growth, so you that's why you take a bit more risk to have those higher growth investments. You're still happy to sort of go through the ups and downs within the market, and this sort of portfolio is tracking you're trying to obtain around about a seven to 9% on a yearly basis and compounding that forward. With the volatility, so we understand that markets go up and down within that growth environment. You can expect on a good year anywhere up to 11% above the nine and a bad year where market are down, anywhere up to 11% below the 7%. That's that's the market volatility. You can see those highs and lows around that seven to 9%. In this sort of environment, we expect a negative return of one every five years. With that investment within Van Alarm there, that's more of an actively managed fund. So you take a little bit more risk to have the active manager in there. They're trying to outperform against the market. Do you feel moving forward you would still like to have more of an active manager in your fund, or would you like me to focus on lowering the cost and put something in there more passively managed and lower risk? How would you like to see your portfolio form? Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Well, I've the growth environment definitely fits your agent age because you're essentially the same age as me. So we have the same time frame before accessing our super. What I would sort of look at and what I can look at if you're comfortable, I do have an option to replace that investment with something a bit more diversified, more of a passively managed investment. So it lowers the risk. It's also cheaper for your portfolio. But I also have a portfolio where it incorporates a little bit of active management. It's only a small amount. It's still also cheaper to hold, and it's still gonna reduce the investment cost of your current fund, which means more money stays invested in your super long term. Are you happy if I maybe go a happy medium for you, have a little bit of active management, but mostly index funds and low cost investments that provide greater diversification. It'll still keep you in that growth kind of environment where you are taking more risk, but it's also within the fund diversifying as much as possible to control as much of the risk as as humanly possible. Yeah. Sounds good. Beautiful. I've got some good options there. So I'll go back and complete the research, and I'll come up with an advice document. It shows you what we're gonna look at and how it'll look for you, and then you get to take it away and have a good read of the document. Okay? Excellent. Now if you go to the next page, this year, as you kinda mentioned, you've seen a lot of the ups and downs of volatility. It can make a lot of people quite nervous. While your portfolio while Benelon has kinda had an effect and obviously held your portfolio back a little bit, it still has come out with a positive return. So it is lower than where I would like to proceed for the year. A lot of that is because of the family long investment above that. You've returned about a 4.27% return net of fees. That's after fees. It's still a positive return. When you think of that positive return, it's actually made your earnings and grosses in the fund of $18,407. So it is lower than where I'd like to expect. I definitely wanna alter the portfolio to keep it working harder and build on that for you, but acknowledging the fact that this year hasn't been as good a year, and the return is definitely lower than where I would like to see for you for the year as well. Perfect. I know there's a lot to go through. Do you have any questions about the portfolio, about anything I've kinda touched on? Or no? Excellent. The next document along is the Vanguard index chart. I've been pretty sure we've shown you a couple of these in the past. It does kinda show you a guide as to how we how and why we invest the way we do in the market. So looking at the side there, you've got sorry. My computer is just flashing at me. You've got your growth investment. So US shares, Australian shares, international shares, and listed property. And you can sort of see there that they do get the higher rates of return, but they are also the ones that increase in value and decrease the downtime as well. So they're the ones that fluctuate and provide volatility, which does make us quite nervous. But when we do have a good time horizon ahead of us, so anywhere over, say, six to ten years, being having more of these growth investments is where we see the higher rates of return. What I would not wanna see is have you about, you know, five or six years out from accessing your super and still taking a higher level of risk in the market. In those instances, we wanna kind of pull things back quite significantly and have more defensive investments of things like cash and bonds and fixed interest there. Throughout even in retirement, we still wanna have some growth assets, but it's about assessing your risk level and investing within the comfort level so you have a degree of growth in your portfolio, but then also some income production as well. And that's why we also get some good advantages is we wanna get income from those investments. We wanna have dividends that are being paid when it comes to bonds and fixed interest. We want income coming out of those that gets paid into your cash account and then reinvested back for compounding effect essentially. So that's how we sort of wanna see things. It's about adjusting the risk level as you become less comfortable with the risk you're taking realistically up until about five to six years away from accessing paper. Being in the growth environment is absolutely fine for you, but anywhere beyond that, I'd be trying to sort of coax you to reduce your risk level a little bit, trying to guide you back there. Does that make sense? Yeah. Beautiful. Property market. Yep. Yeah. Absolutely. Yeah. The housing market has had a bit of a downturn, and I believe Sydney and Melbourne were the first ones to see the downturn most recently. I'm just double checking the data. They're showing me where it's up to at the moment. But currently, looking at where we are, nationally, housing prices have dropped in August between 0.2 to 0.9%. Areas like Melbourne and Canberra have had dropped to the it has a 1%, and Sydney has had about a 1.4% drop in the last month on housing prices. So there has definitely been a bit of a decrease with what happened and what was what came out with the new budget and the legislation changes there. But I think it just also needs to settle because people still need housing. There still is very much a high demand for housing, and people trying to get into the market for home buyers and whatnot. So I think it just needs time to settle. It just needs time to go through this cycle and then come out the other side, but we will see recovery from that downside. It's funny because over the last sort of, you know, ten to fifteen years, housing prices have basically not dropped at all. You know? Since coming out of the DFC, housing prices have just skyrocketed bit by bit. So this kind of a fall was always gonna be inevitable. I mean, over the last five years, I've had people telling me property never dropped. And I'm like, yes. It does. It will happen. It everything drops. Everything has a cycle. It's just about waiting for that cycle to hit. So we'll go through this down point. I don't know how low it's gonna go. It just sort of comes down to how investors feel. It's also about how the how investors understand the changes too because the changes to negative gearing and the CGT consequence is necessarily aren't all bad. It's just about understanding why you want to have an investment property. Is your investment property currently negatively geared? No. That's okay. So the other thing and what I've sort of been talking to people about is whether or not they just want to hold property for negatively gearing to help, you know, reduce overall tax, or are they hoping to have it for a longer term goal? So there are still investors definitely in my area who are buying in the property, and whilst they can't negatively gear moving forward, they are buying it for capital growth. And taxes aren't always a bad thing if we understand the outcome we're after. So, you know, buying an investment property, holding it for five or ten years, letting it increase in value, then selling it off, cementing the capital gain, putting aside the tax, and looking at what you have after the gain. Isn't necessarily always a bad thing, but it just comes down to what's important about holding property and why we're holding property and what we wanna achieve out of that property, to kind of work out whether it's a good idea or not and whether the cost or whether the taxation side of it is worthwhile as well. So, yeah, bit of a dip. It's not as bad as I would have thought in all honesty, and I don't think it's gonna have a huge dip because property is still a big thing. They still want property. There's still a lot of first time buyers and people trying to get into the market. I've got a lot of mortgage broker friends who keep telling me they're still really busy. So properties are still being purchased and assessed. So I don't think Melbourne or Canberra or even Sydney, Brisbane have seen a a drop of just under 1% as as well. I don't really think these are going to be very heavy dips. I just think it's a slight correction in the market at the moment. That's all. Yeah. Did that answer your question? If yeah. Yeah. I got it. Do you plan yeah. No. That's okay. Do you plan on kinda keeping that long term to supplement safer, or do you think you'll plan on selling that down the track? What's the sort of long term plan for it? Yep. Yep. Beautiful. Fantastic. Excellent. The next document in there is the financial service guide. It just outlines everything about who we are, what we do, and how we do it. It's got a lovely, cosy photo of me in there and all my information as a licensed financial adviser and all the details on our services and fees and things like that for you. The last document attached is the essentially, the financial fee agreement for the next twelve months there. So you are an ongoing service client. At the moment, our ongoing service is 1.65% per annum. Moving forward, that will change to more of a a dollar figure fee. It'll be tiered, essentially, once your balance and your balance is over that 200,000 threshold now. But as of next year, essentially, with a with a tiered structure, when your super balance hits over that $200,000 mark, it drops down to a lower tier. And then as it increases in value, we it drops down to another tier after that after at certain point. Right now, we're not changing that. That's all gonna come into play essentially as of the next fee agreement. Right now, you're still on 1.65% per annum. It is deducted on monthly increments. It includes any additional advice that we provide in relation to super insurance and things like that. There's no implementation fees for any new advice. That's all inclusive of being an ongoing service client there. Do you have any questions about the fee, how that works? Or yeah. So with this yeah. Definitely. So with the fee structure, essentially, it'll go to a balance of 200,000. The fee structure will drop to 1.375. And then once your super balance hits the 500,000, it drops down further than that. I kinda I can find it's in the financial services guide here. So it was all just, like, released the other week, and I've had to go back and find it to make sure I understand it correctly. So the tiers look. I wanna get you there as soon as I possibly can. Not gonna lie. So the tier structure was that is essentially zero to 200,000 is 1.65%. 200,000 to 500,000 is 1.375. Once your balance is over 500,000 to a million, your fee drops to 1.10%, and then balances between 1 to 2,000,000 drops to 0.82825 point 825%. So each each time your balance increases up over a t, the amount you or the amount you pay for our ongoing services drops into the next year and it works down. The way that will work so the other thing with the old fee structure is that we always sorta had an estimate because it was set on the a percentage based fee. We will actually, moving forward, work out exactly what your fee is as per a dollar figure. It will be a flat fee for the year, and so if your balance goes up, it means that fee will not change. It's kind of also gonna give you a lot more certainty around the fee. We worked it out this year that your old fee structure worked out better for you based on your current balance, so we're keeping you on the old fee structure. The new newer fee structure would be a little bit higher currently, but we'll sort of have a look at it next year and see how it works for you, and I'll show you what that looks like. But for now, we're still keeping it the same. Does that make sense? Do you have additional questions? No. Perfect. All good. We had to sort of make some changes. Our fees have never changed since we sort of opened up back in 2018, 2019. But we've had to kind of update and make some changes to the fee structure so that it's still working for you guys as a client, but also because the cost of providing advice to legislation requirements and the same as with everyone, the cost of living and cost of running a business has increased as well. So we just wanted to make sure it was working properly and make sure we're looking after everybody, but also making sure that we can, you know, do provide our professional services and also charge the fee that we need you to do that, essentially. Yeah. Easy. That is essentially all the documents in the ongoing service or annual review path. If you can feel free to go back and have a good read through those. If you wanna stay on board with the client for the next twelve months, I will ask that you sign and return the ongoing service agreement back there for me. We will go back and do some updated advice to make sure things are working harder for you. One of the biggest things I do like to point out is that we do work on the best interest duties, so we do wanna make sure things are updated. Having a look at your portfolio, it hasn't really been touched or updated in the past couple of years. So it is definitely worth updating now. I'll reassess all those things for you to make sure that you're on track, that things are working harder, and I'll look at the insurances as well as the super the investment portfolio and see how we can lower fees, keep more money invested in your future working harder for you, but also boost your balance and make it as you know, get you as much as we possibly can over the next seventeen years towards your goals there. How does that sound? No. That's okay. The only other thing to sort of check on is just around your goals with regard to super there. You having a look back, we were sort of talking about, I think, age 60 to 65 depending on how you felt at the time. Do you think, realistically, you wanna stop working at age 60, or do you think you'd work a little bit longer? What is your goal for accessing super now? 60 five. Yep. That's okay. That's not a problem at all. Beautiful. I it's a bit probably early to really assess income, and I know over the past couple of years, I've just talked about goals. I've asked about income goals. But do you know roughly what you might like to live on in retirement? If you don't, that's okay. That's something I do assess when you actually get to retirement. Yeah. Yeah. Yeah. Absolutely. Absolutely. And maybe having that income cover investment property to supplement your super so that you draw less out income wise. Is that kind of part of your goal? Or yep. Beautiful. Do you plan on buying any more investment properties down the track, or is this one kind of what you're happy with for the time being? Yes. No. That's okay. That's fine. I've got your income updated. Absolutely. I did some renovations on mine. I'm quite happy to stop for a minute. The other thing to sort of look at is just the other assets I have here. Your car, your 2008 Subaru Outback, we have that valued at about 3,000 last year. What sort of value would you put on that now, do you think? Wow. Nice. Yep. How much is it worth to you if you had to sell it? What would you want for, do you think? Beautiful. Excellent. And then I also had down here that you had about 70,000 sitting in savings. Do you still have those savings? Beautiful. Update that. So we'll say about 40. And is that extra 50,000 going on the home loan or just sitting in an offset account? So that'll be on the main primary yep. That's okay. So that'll be in the offset account. And so that 50,000 will drop essentially the main primary residence down to about $3.50 owing? That's okay. Perfect. I like that. I'm trying to knock that nondeductible debt down. Anyone is there any other assets or liabilities or anything else that you sort of want us to note down at all? I mean, they cost money. No. That's okay. And the other thing to sort of look at is we talked about your risk profile last time just before, so that you, like, growth environment and what that sort of looks like. Realistically, for your agency, if you can still be in that growth environment, did you wanna run through a new risk profile questionnaire to kind of reassess that, or do you feel fairly comfortable sitting in that kind of environment? Yep. That's okay. One of the questions I do like to ask just to sort of gauge whether it's worth reviewing or not is if you saw your super fall by 20% over the next one to two years, how do you think you might be feeling? Do you see it as a buying opportunity, maybe wanting to put some more money into the market, take advantage of that downtime? Are you a bit cautious, maybe hold and wait, you know, speak to us if it wasted us to do? Or are you feeling very nervous about that fit in the market and maybe wanting to sell your investments to cash? How do you think you might react in that instance? Yeah. You're right. So the just the three options. Is that right? Sorry. Did you want me to rerun the entire thing for you? Yeah. No. That's okay. You're fine. Essentially, if you saw the market fall by 20% over the next one to two years, how do you think you might feel or react in that instance? Yes. So maybe hold and wait, call us, do what we suggest you do and have that conversation. Yep. Yep. That's okay. The other question I do like to ask is about the level of risk. So how do you think you feel about risk? Are you happy at taking on a higher level of risk in the market to get greater potential returns knowing that there is a downside that coincides with it? Are you probably in the middle, more medium or moderate, happy to take on, you know, a medium amount of risk to get the greatest returns possible, or are you not wanting to take any risk in the market knowing the returns are a bit lower because of that? Where do you think you might fit with the risk profile? Yep. Yeah. In the middle? Yeah. That's absolutely fine. That's absolutely fine. So I've kind of marked you in the middle there, which is great. When you sort of think about risk out of a number between one and five, having that growth environment, you're sitting about a three. So five being the highest level of risk, all sitting in, say, shares and equities or one all being sitting in cash. So you're kind of middle of the range there. You do have that eighty twenty split. It does suit someone who's got at least six years before accessing their money, so it does suit your time horizon. You do have capacity whilst you're working to withstand the downtime, but, understandably, it can make you a little bit nervous in those downtimes as well. But you can stay in that environment. It does still suit, you know, where you're at at the moment if you're comfortable with that. Yeah. Beautiful. Well, I'll look at that growth environment there for you. I'll look at reevaluating the suit for the investments. We'll also just reevaluate the insurance levels. Before I let you go, I'll book you in for a pre assessment with my team members just to kind of go through so I can fully understand your circumstances and see what kind of contract might be offered for insurance wise, look at life, safety, and income protection for you. The only other thing to sort of consider is your estate planning. You've got your beneficiary on file here. So in the event of passing, your fee fee is paid out to your legal personal representative. So it all goes through to your will. Do you have a will that outlines your wishes? Yes. Yeah. If you like, there is actually a way that it can be done a little bit easier. I know speaking to a solicitor and having those appointments can be a lot and can be difficult, But every state also has a trustee service which outlines which you can do over the phone or online. I can always email you just some information from that if you like to give you another option for doing that, if you will. Yep. Perfect. Excellent. And are you happy with your super and life insurance beneficiary being structured to be paid to your will, or did you wanna pay to anyone particular in the event of passing? Yep. Did you want us to have that updated? It's and I can include that in the advice to reflect to make sure that everything is paid directly to him in the event of passing. Yes. Beautiful. Fantastic. I can update that. Not a problem at all. Well, thank you so much for your time. That is essentially everything I need to go through, and I'm so sorry. It is a lot. Is there anything else that you maybe had questions wise for me or anything you wanted me to touch on as part of your review that I haven't touched on that you might want to ask me while you've got me here at all? Beautiful. Is there any other goals that you had noted down or wanted to sort of note down down the track that you might like us to look at? Or Yeah. Renovation. Yeah. No. Absolutely. Well, look, thank you so much for your time today. It's been an absolute pleasure. I'm sorry it took a bit longer than I had expected, but there's a lot of things I sort of thought that I wanted to talk to you about. There's definitely some advice I can provide moving forward, and I wanna make sure that your retirement is the best it can be. So I'll work on some advice and update things for you. In the meantime, if you can find that and review drops and grab them and send them back to me, that'd be fabulous. I'll also send out that email with some information on the state trustee for you and the will services they provide. And then if you do have additional questions, you're welcome to let me know at any time. You also then have my direct email address to Emma. Okay. Beautiful. Thank you so much for your time. I really appreciate it. I'll get cracking on that advice. Before I let you go, let's we'll get a quick pre assessment with my colleagues there. Is there a day or time maybe next week or the week after that would suit for them to give you a quick call and run through that? It should only take about five to ten minutes. Yep. That's okay. Sorry. Probably today. It's September. If I get someone to give you a call, even tomorrow, would tomorrow work for you? If not, I could do it. No. That's okay. Our office is generally open until about, say, 02:00. Our last appointment's closed at one. What time would be best for someone to give you a call? Okay. Perfect. What if I make it 09:00 in the morning? That way they can get to the free assessment and leave you to enjoy the rest of your day. Does that work okay? Beautiful. Awesome. Thank you so much. So my colleague, Samantha, she's my admin team member. She'll give you a call, run through that with you at 9AM tomorrow morning. And then in the meantime, I'll get stuck into the research, and I'll get her to rebook your presentation after that as well so you've got an idea of when that will be in the next couple of weeks for you. Okay? Thank you so much for your time. I hope you have a good day. Are you working the rest of the day? Do you have to stay off? Well oh, no. It happened. At least it's a working day. Hopefully, the weekend or when your office is nice and sunny for you. No. We can dream. Beautiful. Thank you so much, Emma. I appreciate your time today. You have a lovely day, and I'll get cracking on that research and see what I can do to help. Thank you. Talk soon. See you later. 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Emma. It's Dana from Oakley Financial. How are you this morning? Doing very well. Thank you.\n\nI had people looking to go through your annual review this morning. Is that still a good time there for you? Oh, fantastic. How's your week been so far? Oh, good.\n\nEmma, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to meet everything with that? Fantastic. And just to do security there with you, so we are discussing your personal information. So I just need to confirm for me your full name, your date of birth, and address I should have on file there.\n\nYep. Beautiful. I heard it was sunny in Victoria yesterday. How is the weather today? Oh, no.\n\nOh, you know, I'm actually going down there on most of the family holiday in a couple of weeks, and I was like, I didn't even know how to pack, but just my brother-in-law has said pack for every weather under the sun. So oh, you poor thing. I couldn't imagine that. Like, I mean, here in Queensland, all it's done is, like, rain on and off, but it's definitely not as bad as what you guys get down there. You seem to get a different different season every two or three hours down there or every hour.\n\nAll good. Well, and I know you are busy, so I was trying to take too much of your time, but just to run through your annual review there, we do normally send through some documents for you to review as well. Are you able to access your email, sir, at the moment? Yeah. Beautiful.\n\nI'm just gonna send an email to you there now. Your email is still at emma_cruising@hotmail.com. Is that right? Fantastic. I've just sent that one through to you there.\n\nIt often comes through from dana@ocfinancial and or sometimes it just says Odoo. Fantastic. So if you open up the email, it has a button that says click here to start. I believe that's the button that says. If you click on that button, it'll, like, go through so you can see the summary of your superannuation and insurance currently.\n\nOh, you're absolutely fine. Yeah. That's the one. I'm so sorry. This is a new system, so I haven't actually seen what you see yet.\n\nI do apologize. Yeah. I'm like, let's send me something to sign, but there's, like, nothing. I get a random document. I'm trying to press it, and then someone tells me they've changed or updated something and it's different to what I'm used to.\n\nAnd I'm like, oh, no. Yeah. You're abs you're absolutely fine. The rain might be affecting your emails too. Yeah.\n\nYou're fine. Got it there. Perfect. Excellent. So when I have a look back at your annual review last year, your balance when you have 24 then was $272,009.57.\n\nAnd within a West Supa there, you had about $9,778.41. So West Supa hasn't really have much of a change. There's no contributions going in there. It looks like all your contributions are going into Hub '24. So you will see a a decent increase there.\n\nBut we're also seeing a little bit of growth, albeit this year, we have seen a lot of ups and downs in the market with what has been happening. And I've had a bit of a look at your portfolio because it hasn't really changed in the last couple of years, and I've sort of noticed some areas where we could update or change your portfolio for you. So I'd love to provide some advice to kind of build on that, make some changes to your portfolio, and keep it working hard and long term for you. Okay? I'll go here with you in a second when you can see, though.\n\nIt's not underneath that with your Aware super, that's a solely essentially being kept open to keep your insurances in place there. Your insurance cover within Aware is more of a it says level, but it's actually more of a group cover because it has definitely decreased. So your life cover and CPD that you had last year within AWARE was at a a sum insured of 348,600, whereas it has decreased while it's just 331,000 here. These sorts of covers do tend to decrease over time. Realistically, it's not a bad thing because, I mean, you wanna pay a little bit less.\n\nThis has cost you more this year for the decrease than last year for the insurance premium, but it's also making sure that you have the level of cover that you're after as well. So when you sort of think about your life cover, if you were to pass away today and I'm sorry. It gets a little bit morbid. But if you were to pass away today, the 331,000 can be paid out to your beneficiaries, and then you've also got your super benefit paid on top of that. So currently, it's giving an approx figure of about 651,361 and 80 oh, sorry.\n\n68¢ as a life insurance benefit. Thinking about that level of cover, does that feel appropriate, or did you wanna kinda reassess that? And if you were to pass away today, what do you want that to cover? Who do you want it to go to? Yep.\n\nYep. Beautiful. That's Scott. Yep. Beautiful.\n\nI can see here that you do have your main primary residence and a couple of investment properties there as well. Do you still have those three properties? Mhmm. Okay. No.\n\nThat's alright. Is that in Preston? Yeah. That's perfect. I'll just delete the other one here.\n\nIt looks like it might have been noted down to five from the past, so it's absolutely fine. So I'll just delete that for you. So, realistically, now if you think about that that 651,000, how much do you have owing on your main primary residence currently? About 651,000 or six fifty ish. Yes.\n\nOh, between the two. Yes. That's definitely fine. So, realistically, that level of cover could pay off those loans. That would mean that Scott could continue working, live debt free from the investment property, still collect income, or it could just pay off one or either of them and allow for a little bit of extra, you know, a buffer for him as well.\n\nHow do you sort of feel about that level of cover? Does it feel like it meets your needs, or did you wanna kinda reevaluate that at all? That sounds okay? Yep. Beautiful.\n\nAnd so you said it's about 650,000 owing between the two properties. If you broke that up to each property, how much are you owing on the main primary residence as opposed to the investment property? Sorry. You're right. Sorry.\n\nYou're fine. Yep. And the roughly $2.60 on the other. Yep. Beautiful.\n\nUpdate those for you. Asset value in your main primary residence. You have that valued at about $7.30 last year. Would you increase or alter the value on that currently, do you think? Yeah.\n\n800,000. Beautiful. Excellent. And with the property in Preston, we had that valued about $4.50 last year. Would you increase that value there as well?\n\nYep. That's perfect. Excellent. So for BC life cover, you're sort of happy with that level of cover you have at the moment there. Now with your PCD, your total permanent disability cover, that would be paid out as a lump sum or an income stream in the event that you were never able to go back to work again.\n\nSay you had some sort of disability, a car accident, and you were never able to go back to work again. In order to meet the definition for TBD, isn't any definition that means that you must never be able to go back to work for any occupation for which you have worked, educated, or trained. And if you were to claim TBD, just so you're fully aware of how TBD works, if you're under the age of 60 and you have TBD fully paid out, you can actually pay tax of up to 22% on the payout, which reduces how much you could receive after the fact, which is terrible and not fair in any way, shape, or form. But if you were to also claim on TBD, other permanent incapacity, we can also claim against your super. So it does mean, theoretically, before any tax consequences, you're still covered for that $651,003.61 and 68¢.\n\nDo you feel like at the moment that's an appropriate level of cover? Would you wanna kind of reevaluate that? And what sort of what would you how would you think that money would be used if you were TBD? Sorry. I asked all the questions you probably never thought of.\n\nTough one, isn't it? Absolutely. Absolutely. And that's the other definitely. Cover you.\n\nAbsolutely. And that's probably the toughest part because having insurance is paid out of super is good because it means you're paying those premiums out of your back pocket, but it also means that those premiums are coming out of your super contributions and the growth. So it does have an effect long term on how much super you end up with and, you know, making sure that we can review the insurances and decrease them or alter them over time because they're not because they do increase in price. I mean, if you look at the the cover last year, as I kinda mentioned, is you had about 348,000 of life and TBD. It's decreased to 331,050, even though where.\n\nBut last year, you paid a thousand and 57 for the insurance premium for the year. If this year, you're paying a thousand 117. So within the industry funds, these insurances are decreasing, but it looks like your the amount you're paying because the risk of you claiming is becoming increasingly higher over time. And that that also has an effect on your super. So we definitely wanna make sure we review those with you.\n\nBut do you think the now CBD would be appropriate? Did you wanna have a think about it? What's your thought? Yeah. Did you want me to maybe do some research?\n\nI can start by maybe going through doing a pre assessment with you, get my calls to a pre assessment, and I could have a look at maybe seeing if there's some better cover out there, looking at trying to consolidate things for you. Would that be something you'd like me to maybe do? Your job. Yeah. Yeah.\n\nAbsolutely. I can sort of see that. So you yeah. I can see you work for the state government in forestry work, so bushfire services. Is that right?\n\nYeah. That's okay. If I was to go and look. I'm happy to do it. I think it's, yeah.\n\nI have had a couple of clients where I have gotten them wife and TDD and income protection based on being a firefighter. So there could have definitely been some changes in occupation standard. I would love to, get one of my colleagues over the next couple of weeks to do a bit of a pre assessment with you, and I can go back and reassess all of that and see what I can do to put you in a better position, maybe get a level of insurance that's not gonna keep decreasing over time and see what we can do as a comparison for you and update the advice to reflect. Are you comfortable with me doing that for you? Yeah.\n\nYeah. Yeah. Yeah. I have I have that argument with an insurer the other week. You know, like, yes.\n\nYou've got this risk level that you assess, but when you think about some of these high risk occupations, they actually have so many safety measures in place that it's probably safer than going to work than me going and sitting in an office. So, you know, the the risk of you guys claiming is probably lower. Yeah. Yeah. No.\n\nI I absolutely agree with that. And the insurer just looked at me and went, yeah. Look. I don't disagree with you. They are.\n\nThey are. And they have reinsurers. So, essentially, when the underwriters assess an application, they're also then providing the application and the information to their reinsurers. So they're insuring you for the risk of you having to claim, but then they're insuring themselves for the risk of you having to claim, and that insurance, they're insuring themselves. So it's just insurance on top of insurance on top of insurance.\n\nEvery provider is reinsuring themselves for the risk of you claiming down the bottom here. It's a really interesting cycle to look at, and I was like, this is truly insane. No wonder insurance premiums cost so much. Just everyone is just insuring themselves for the for the policy. No.\n\nAll good. Well, if I do go back and and have a look at the insurance, it's going to see what I'm able to obtain. See if I can maybe consolidate your supers and see what we can do to kind of benefit your super moving forward. Did you want me to look at the same level of life and TDD, or did you just want me to maybe look at the enough to cover both the mortgages? What would you want to cover in the event of a life and or total permanent disability event that you would like me to look at for you?\n\nYeah. Would you like me to gross it up for maybe the 22 percent tax aspect? So in the event of a claim, we consider and look. Honestly, if you were to claim, we would try to keep the money invested. So a lot of people do pull all the money out as a whole, and that's where that 22 tax can really kinda get a hold of you.\n\nThe tax is up to 22%. It could be less than that. It's just that we don't know because of the math calculation at the time of claim. It determines the actual taxable component. So we utilize the 22% because this is the worst case scenario that you could see.\n\nBut we would also provide advice to try and keep as much money invested working harder because given your age I mean, you're 42 this forty forty three this year in December, so 42 years of age now. Do you still have seventeen years before you can access super at the age of 60. And then if you think about if you were not working, that's to the age of 60, but then there's a whole another lifetime in retirement that has to be funded and and to look after you as well. So we would wanna try and keep as much money invested in the super system or in a way that it's maybe paying your regular income, but still making it work long term for you so that the money lasts as long as possible. Does that make sense?\n\nGrossing up the TBD to a factor in the 22% tax, so maybe look at paying out both the mortgages and factor the tax component for the TBD side of things? Yeah. Beautiful. Did you wanna look at covering any years worth of income as well, or are you happy to looking at that as a base level of TBD? Yep.\n\nBeautiful. Fantastic. And I can also look at linking life and grossing that up as well. So it might mean you have a bit more life coverage, but it can make the policy cheaper as well. So we get things like multi policy discount.\n\nSo I can look at that for you. Absolutely. Yep. Beautiful. And we you've also got your income protection benefit there.\n\nNow that hasn't changed. You still have the monthly benefit of 3,000 in the event of claiming. Again, income protection is a taxable payment. So if you are on an income protection claim, that monthly benefit is pretax, the same as your income. So, realistically, you're probably looking at about $252.06 as a monthly benefit.\n\nDoes that feel fairly sufficient for you if you weren't able to work in the short term? Would you wanna look at some income protection that might be more sufficient for your age and age? Or yep. That you could survive on. Yeah.\n\nIncome wise, I had you on a 107,000. Has it gone up since we last touched base? Yeah. Yeah. No.\n\n114. Beautiful. So So if I look out so, realistically, with income protection, you can be covered up to 70% of your pretax income. If we're working on just your pay, 114,000, that means realistically, we need to look at a, like, a gross monthly benefit of 6,650. Did you want me to look at the income protection and see if I could maybe get that for you and see what it looks like?\n\nYep. Yeah. Absolutely. Well, what I'll do because there's there's some things I would like to do, you see for as well, so an alteration of some of the investments there for you to kinda keep working harder. So I can go back and do the research on the insurances.\n\nI can always make a recommendation if I can find, you know, a more appropriate cover that covers your needs. I can always make that recommendation as part of the advice and show you what that looks like. Any advice that you provide is just advice, and then you get to decide whether you wanna take that or not. Does that sound okay? Yeah.\n\nBeautiful. Now on the bottom of that, you can see with the income protection, you've got a ninety day waiting period and a two year benefit period. That essentially means that you'd have to be off work the ninety days prior to making a claim and a two year benefit period so you can be on a claim for up to two years. With your occupation, getting a lower waiting period could be very tough. I know with the other insurers out there with your occupation, some of them do have a minimum ninety day waiting period.\n\nAre you comfortable with that kind of waiting period? Yes. Beautiful. And with the two year benefit period, it just means that you can be on a claim for up to two years. So if you're on an income protection claim, and at that two year mark, still can't go back to work.\n\nIt does mean that the income protection claim will stop regardless. Did you are you happy with two years to try and keep the policy cheaper, or did you wanna look at a longer benefit period? Two years? Not a problem at all. Beautiful.\n\nWell, I will go back and do the the research there for you. Before the end of the call, I'll just book in a time for my colleagues to go through a pre assessment with you, and then I'll go back and do the research to go out to market and see what we can find. And I can update the advice to reflect and show you what it looks like as a whole. And then it'll also have the advantages, the disadvantages, the risks involved, and any alternatives we've also considered. And then you get to decide whether you wanna take the advice or not.\n\nHow does that sound? Beautiful. Fantastic. Emma, if you move to the next document for me, the next one along oh, sorry. Before you do, I just have to have to double check.\n\nThere are other types of insurances that you can also have that are paid outside of super, like trauma. Are you open or wanting to look at any additional covers, or are you just happy with the life of keeping in the income protection? Sorry about that. Yep. Perfect.\n\nNot a problem. I'll scrape that trauma and any additional personal insurance. We'll just focus on what you've got and how we can make that work for you. Beautiful. Excellent.\n\nNow the next page is your is your have 24 internal rate of return. So it's showing you the performance and how your investments have performed for the year. This year, we have seen a lot of ups and downs and volatility with the market there, but as of late, it has sort of smoothed out quite significantly. If you're looking at the first page there, you'll see that majority and if you look at the second last column, it's showing you how they've all performed as an internal rate of return, and most things are performing quite nicely. It's more just this Australian equity component at the very top there.\n\nSo the ban along Australian equity's investment, that has some underlying issues, and it has been underperforming a little bit. I had a look at this prior to the call. I definitely wanna look at removing that from your portfolio now. So, normally, we are a bit hesitant about making rash changes to a portfolio when there's an investment underperforming. But the way I sort of look at this is I consider that against the rest of the Australian market.\n\nYou've also got in your portfolio. You had no. You don't. This is much of an older portfolio. But you've also got into the S and P 500, which is up over 9% for the year on its own, which is sort of the one, two, three, four, five, six down there.\n\nThat investment has done really well, and the rest of the Australian market tends to follow along with suit of the S and P 500 and with The US market. We tend to follow suit with everything that happens. The Australian market as a whole is doing quite well at the moment. So to see this investment down pretty heavily and sort of have a look into the investment itself, and it's not got to do with the market for the ups and downs that we are seeing. Unfortunately, the Benelon investment manager hasn't been able to do its job.\n\nIt hasn't been able to outperform against the market, and they've had some underlying issues with some of the investments they're invested in. So I've made a decision to talk to you about this today, and I definitely wanna look at removing that investment now. I do not think there is a chance it could come back, but I do not think it's gonna be for some time. And I think holding that any longer is just gonna provide. Is not gonna sort of help your portfolio in any way, shape, or form.\n\nSo if you're comfortable, I would love to remove that from your portfolio quickly. I'd love to replace it with something else and keep your portfolio working harder for you. Does that make sense? And do you have any questions? Yes.\n\nPerfect. Excellent. Now one of the things we do wanna look at and why we sort of have to have the conversation with you before we do make these sort of changes is there are different ways to investing. Essentially, when I have a look at the way you're invested within your super fund at the moment, you are in more of oh, sorry. More of a growth kind of setting.\n\nAnd this is a very much an older portfolio. Something has been in for quite some time there. So it does definitely need to be updated now. Within the growth environment within a super fund, you are invested generally about 80% in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities, and then about 20% in lower risk defensive investments in cash, bonds, and fixed interest.\n\nA growth investor is looking to get strong or has a strong, preference for growth, so you that's why you take a bit more risk to have those higher growth investments. You're still happy to sort of go through the ups and downs within the market, and this sort of portfolio is tracking you're trying to obtain around about a seven to 9% on a yearly basis and compounding that forward. With the volatility, so we understand that markets go up and down within that growth environment. You can expect on a good year anywhere up to 11% above the nine and a bad year where market are down, anywhere up to 11% below the 7%. That's that's the market volatility.\n\nYou can see those highs and lows around that seven to 9%. In this sort of environment, we expect a negative return of one every five years. With that investment within Van Alarm there, that's more of an actively managed fund. So you take a little bit more risk to have the active manager in there. They're trying to outperform against the market.\n\nDo you feel moving forward you would still like to have more of an active manager in your fund, or would you like me to focus on lowering the cost and put something in there more passively managed and lower risk? How would you like to see your portfolio form? Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yep. Well, I've the growth environment definitely fits your agent age because you're essentially the same age as me. So we have the same time frame before accessing our super.\n\nWhat I would sort of look at and what I can look at if you're comfortable, I do have an option to replace that investment with something a bit more diversified, more of a passively managed investment. So it lowers the risk. It's also cheaper for your portfolio. But I also have a portfolio where it incorporates a little bit of active management. It's only a small amount.\n\nIt's still also cheaper to hold, and it's still gonna reduce the investment cost of your current fund, which means more money stays invested in your super long term. Are you happy if I maybe go a happy medium for you, have a little bit of active management, but mostly index funds and low cost investments that provide greater diversification. It'll still keep you in that growth kind of environment where you are taking more risk, but it's also within the fund diversifying as much as possible to control as much of the risk as as humanly possible. Yeah. Sounds good.\n\nBeautiful. I've got some good options there. So I'll go back and complete the research, and I'll come up with an advice document. It shows you what we're gonna look at and how it'll look for you, and then you get to take it away and have a good read of the document. Okay?\n\nExcellent. Now if you go to the next page, this year, as you kinda mentioned, you've seen a lot of the ups and downs of volatility. It can make a lot of people quite nervous. While your portfolio while Benelon has kinda had an effect and obviously held your portfolio back a little bit, it still has come out with a positive return. So it is lower than where I would like to proceed for the year.\n\nA lot of that is because of the family long investment above that. You've returned about a 4.27% return net of fees. That's after fees. It's still a positive return. When you think of that positive return, it's actually made your earnings and grosses in the fund of $18,407.\n\nSo it is lower than where I'd like to expect. I definitely wanna alter the portfolio to keep it working harder and build on that for you, but acknowledging the fact that this year hasn't been as good a year, and the return is definitely lower than where I would like to see for you for the year as well. Perfect. I know there's a lot to go through. Do you have any questions about the portfolio, about anything I've kinda touched on?\n\nOr no? Excellent. The next document along is the Vanguard index chart. I've been pretty sure we've shown you a couple of these in the past. It does kinda show you a guide as to how we how and why we invest the way we do in the market.\n\nSo looking at the side there, you've got sorry. My computer is just flashing at me. You've got your growth investment. So US shares, Australian shares, international shares, and listed property. And you can sort of see there that they do get the higher rates of return, but they are also the ones that increase in value and decrease the downtime as well.\n\nSo they're the ones that fluctuate and provide volatility, which does make us quite nervous. But when we do have a good time horizon ahead of us, so anywhere over, say, six to ten years, being having more of these growth investments is where we see the higher rates of return. What I would not wanna see is have you about, you know, five or six years out from accessing your super and still taking a higher level of risk in the market. In those instances, we wanna kind of pull things back quite significantly and have more defensive investments of things like cash and bonds and fixed interest there. Throughout even in retirement, we still wanna have some growth assets, but it's about assessing your risk level and investing within the comfort level so you have a degree of growth in your portfolio, but then also some income production as well.\n\nAnd that's why we also get some good advantages is we wanna get income from those investments. We wanna have dividends that are being paid when it comes to bonds and fixed interest. We want income coming out of those that gets paid into your cash account and then reinvested back for compounding effect essentially. So that's how we sort of wanna see things. It's about adjusting the risk level as you become less comfortable with the risk you're taking realistically up until about five to six years away from accessing paper.\n\nBeing in the growth environment is absolutely fine for you, but anywhere beyond that, I'd be trying to sort of coax you to reduce your risk level a little bit, trying to guide you back there. Does that make sense? Yeah. Beautiful. Property market.\n\nYep. Yeah. Absolutely. Yeah. The housing market has had a bit of a downturn, and I believe Sydney and Melbourne were the first ones to see the downturn most recently.\n\nI'm just double checking the data. They're showing me where it's up to at the moment. But currently, looking at where we are, nationally, housing prices have dropped in August between 0.2 to 0.9%. Areas like Melbourne and Canberra have had dropped to the it has a 1%, and Sydney has had about a 1.4% drop in the last month on housing prices. So there has definitely been a bit of a decrease with what happened and what was what came out with the new budget and the legislation changes there.\n\nBut I think it just also needs to settle because people still need housing. There still is very much a high demand for housing, and people trying to get into the market for home buyers and whatnot. So I think it just needs time to settle. It just needs time to go through this cycle and then come out the other side, but we will see recovery from that downside. It's funny because over the last sort of, you know, ten to fifteen years, housing prices have basically not dropped at all.\n\nYou know? Since coming out of the DFC, housing prices have just skyrocketed bit by bit. So this kind of a fall was always gonna be inevitable. I mean, over the last five years, I've had people telling me property never dropped. And I'm like, yes.\n\nIt does. It will happen. It everything drops. Everything has a cycle. It's just about waiting for that cycle to hit.\n\nSo we'll go through this down point. I don't know how low it's gonna go. It just sort of comes down to how investors feel. It's also about how the how investors understand the changes too because the changes to negative gearing and the CGT consequence is necessarily aren't all bad. It's just about understanding why you want to have an investment property.\n\nIs your investment property currently negatively geared? No. That's okay. So the other thing and what I've sort of been talking to people about is whether or not they just want to hold property for negatively gearing to help, you know, reduce overall tax, or are they hoping to have it for a longer term goal? So there are still investors definitely in my area who are buying in the property, and whilst they can't negatively gear moving forward, they are buying it for capital growth.\n\nAnd taxes aren't always a bad thing if we understand the outcome we're after. So, you know, buying an investment property, holding it for five or ten years, letting it increase in value, then selling it off, cementing the capital gain, putting aside the tax, and looking at what you have after the gain. Isn't necessarily always a bad thing, but it just comes down to what's important about holding property and why we're holding property and what we wanna achieve out of that property, to kind of work out whether it's a good idea or not and whether the cost or whether the taxation side of it is worthwhile as well. So, yeah, bit of a dip. It's not as bad as I would have thought in all honesty, and I don't think it's gonna have a huge dip because property is still a big thing.\n\nThey still want property. There's still a lot of first time buyers and people trying to get into the market. I've got a lot of mortgage broker friends who keep telling me they're still really busy. So properties are still being purchased and assessed. So I don't think Melbourne or Canberra or even Sydney, Brisbane have seen a a drop of just under 1% as as well.\n\nI don't really think these are going to be very heavy dips. I just think it's a slight correction in the market at the moment. That's all. Yeah. Did that answer your question?\n\nIf yeah. Yeah. I got it. Do you plan yeah. No.\n\nThat's okay. Do you plan on kinda keeping that long term to supplement safer, or do you think you'll plan on selling that down the track? What's the sort of long term plan for it? Yep. Yep.\n\nBeautiful. Fantastic. Excellent. The next document in there is the financial service guide. It just outlines everything about who we are, what we do, and how we do it.\n\nIt's got a lovely, cosy photo of me in there and all my information as a licensed financial adviser and all the details on our services and fees and things like that for you. The last document attached is the essentially, the financial fee agreement for the next twelve months there. So you are an ongoing service client. At the moment, our ongoing service is 1.65% per annum. Moving forward, that will change to more of a a dollar figure fee.\n\nIt'll be tiered, essentially, once your balance and your balance is over that 200,000 threshold now. But as of next year, essentially, with a with a tiered structure, when your super balance hits over that $200,000 mark, it drops down to a lower tier. And then as it increases in value, we it drops down to another tier after that after at certain point. Right now, we're not changing that. That's all gonna come into play essentially as of the next fee agreement.\n\nRight now, you're still on 1.65% per annum. It is deducted on monthly increments. It includes any additional advice that we provide in relation to super insurance and things like that. There's no implementation fees for any new advice. That's all inclusive of being an ongoing service client there.\n\nDo you have any questions about the fee, how that works? Or yeah. So with this yeah. Definitely. So with the fee structure, essentially, it'll go to a balance of 200,000.\n\nThe fee structure will drop to 1.375. And then once your super balance hits the 500,000, it drops down further than that. I kinda I can find it's in the financial services guide here. So it was all just, like, released the other week, and I've had to go back and find it to make sure I understand it correctly. So the tiers look.\n\nI wanna get you there as soon as I possibly can. Not gonna lie. So the tier structure was that is essentially zero to 200,000 is 1.65%. 200,000 to 500,000 is 1.375. Once your balance is over 500,000 to a million, your fee drops to 1.10%, and then balances between 1 to 2,000,000 drops to 0.82825 point 825%.\n\nSo each each time your balance increases up over a t, the amount you or the amount you pay for our ongoing services drops into the next year and it works down. The way that will work so the other thing with the old fee structure is that we always sorta had an estimate because it was set on the a percentage based fee. We will actually, moving forward, work out exactly what your fee is as per a dollar figure. It will be a flat fee for the year, and so if your balance goes up, it means that fee will not change. It's kind of also gonna give you a lot more certainty around the fee.\n\nWe worked it out this year that your old fee structure worked out better for you based on your current balance, so we're keeping you on the old fee structure. The new newer fee structure would be a little bit higher currently, but we'll sort of have a look at it next year and see how it works for you, and I'll show you what that looks like. But for now, we're still keeping it the same. Does that make sense? Do you have additional questions?\n\nNo. Perfect. All good. We had to sort of make some changes. Our fees have never changed since we sort of opened up back in 2018, 2019.\n\nBut we've had to kind of update and make some changes to the fee structure so that it's still working for you guys as a client, but also because the cost of providing advice to legislation requirements and the same as with everyone, the cost of living and cost of running a business has increased as well. So we just wanted to make sure it was working properly and make sure we're looking after everybody, but also making sure that we can, you know, do provide our professional services and also charge the fee that we need you to do that, essentially. Yeah. Easy. That is essentially all the documents in the ongoing service or annual review path.\n\nIf you can feel free to go back and have a good read through those. If you wanna stay on board with the client for the next twelve months, I will ask that you sign and return the ongoing service agreement back there for me. We will go back and do some updated advice to make sure things are working harder for you. One of the biggest things I do like to point out is that we do work on the best interest duties, so we do wanna make sure things are updated. Having a look at your portfolio, it hasn't really been touched or updated in the past couple of years.\n\nSo it is definitely worth updating now. I'll reassess all those things for you to make sure that you're on track, that things are working harder, and I'll look at the insurances as well as the super the investment portfolio and see how we can lower fees, keep more money invested in your future working harder for you, but also boost your balance and make it as you know, get you as much as we possibly can over the next seventeen years towards your goals there. How does that sound? No. That's okay.\n\nThe only other thing to sort of check on is just around your goals with regard to super there. You having a look back, we were sort of talking about, I think, age 60 to 65 depending on how you felt at the time. Do you think, realistically, you wanna stop working at age 60, or do you think you'd work a little bit longer? What is your goal for accessing super now? 60 five.\n\nYep. That's okay. That's not a problem at all. Beautiful. I it's a bit probably early to really assess income, and I know over the past couple of years, I've just talked about goals.\n\nI've asked about income goals. But do you know roughly what you might like to live on in retirement? If you don't, that's okay. That's something I do assess when you actually get to retirement. Yeah.\n\nYeah. Yeah. Absolutely. Absolutely. And maybe having that income cover investment property to supplement your super so that you draw less out income wise.\n\nIs that kind of part of your goal? Or yep. Beautiful. Do you plan on buying any more investment properties down the track, or is this one kind of what you're happy with for the time being? Yes.\n\nNo. That's okay. That's fine. I've got your income updated. Absolutely.\n\nI did some renovations on mine. I'm quite happy to stop for a minute. The other thing to sort of look at is just the other assets I have here. Your car, your 2008 Subaru Outback, we have that valued at about 3,000 last year. What sort of value would you put on that now, do you think?\n\nWow. Nice. Yep. How much is it worth to you if you had to sell it? What would you want for, do you think?\n\nBeautiful. Excellent. And then I also had down here that you had about 70,000 sitting in savings. Do you still have those savings? Beautiful.\n\nUpdate that. So we'll say about 40. And is that extra 50,000 going on the home loan or just sitting in an offset account? So that'll be on the main primary yep. That's okay.\n\nSo that'll be in the offset account. And so that 50,000 will drop essentially the main primary residence down to about $3.50 owing? That's okay. Perfect. I like that.\n\nI'm trying to knock that nondeductible debt down. Anyone is there any other assets or liabilities or anything else that you sort of want us to note down at all? I mean, they cost money. No. That's okay.\n\nAnd the other thing to sort of look at is we talked about your risk profile last time just before, so that you, like, growth environment and what that sort of looks like. Realistically, for your agency, if you can still be in that growth environment, did you wanna run through a new risk profile questionnaire to kind of reassess that, or do you feel fairly comfortable sitting in that kind of environment? Yep. That's okay. One of the questions I do like to ask just to sort of gauge whether it's worth reviewing or not is if you saw your super fall by 20% over the next one to two years, how do you think you might be feeling?\n\nDo you see it as a buying opportunity, maybe wanting to put some more money into the market, take advantage of that downtime? Are you a bit cautious, maybe hold and wait, you know, speak to us if it wasted us to do? Or are you feeling very nervous about that fit in the market and maybe wanting to sell your investments to cash? How do you think you might react in that instance? Yeah.\n\nYou're right. So the just the three options. Is that right? Sorry. Did you want me to rerun the entire thing for you?\n\nYeah. No. That's okay. You're fine. Essentially, if you saw the market fall by 20% over the next one to two years, how do you think you might feel or react in that instance?\n\nYes. So maybe hold and wait, call us, do what we suggest you do and have that conversation. Yep. Yep. That's okay.\n\nThe other question I do like to ask is about the level of risk. So how do you think you feel about risk? Are you happy at taking on a higher level of risk in the market to get greater potential returns knowing that there is a downside that coincides with it? Are you probably in the middle, more medium or moderate, happy to take on, you know, a medium amount of risk to get the greatest returns possible, or are you not wanting to take any risk in the market knowing the returns are a bit lower because of that? Where do you think you might fit with the risk profile?\n\nYep. Yeah. In the middle? Yeah. That's absolutely fine.\n\nThat's absolutely fine. So I've kind of marked you in the middle there, which is great. When you sort of think about risk out of a number between one and five, having that growth environment, you're sitting about a three. So five being the highest level of risk, all sitting in, say, shares and equities or one all being sitting in cash. So you're kind of middle of the range there.\n\nYou do have that eighty twenty split. It does suit someone who's got at least six years before accessing their money, so it does suit your time horizon. You do have capacity whilst you're working to withstand the downtime, but, understandably, it can make you a little bit nervous in those downtimes as well. But you can stay in that environment. It does still suit, you know, where you're at at the moment if you're comfortable with that.\n\nYeah. Beautiful. Well, I'll look at that growth environment there for you. I'll look at reevaluating the suit for the investments. We'll also just reevaluate the insurance levels.\n\nBefore I let you go, I'll book you in for a pre assessment with my team members just to kind of go through so I can fully understand your circumstances and see what kind of contract might be offered for insurance wise, look at life, safety, and income protection for you. The only other thing to sort of consider is your estate planning. You've got your beneficiary on file here. So in the event of passing, your fee fee is paid out to your legal personal representative. So it all goes through to your will.\n\nDo you have a will that outlines your wishes? Yes. Yeah. If you like, there is actually a way that it can be done a little bit easier. I know speaking to a solicitor and having those appointments can be a lot and can be difficult, But every state also has a trustee service which outlines which you can do over the phone or online.\n\nI can always email you just some information from that if you like to give you another option for doing that, if you will. Yep. Perfect. Excellent. And are you happy with your super and life insurance beneficiary being structured to be paid to your will, or did you wanna pay to anyone particular in the event of passing?\n\nYep. Did you want us to have that updated? It's and I can include that in the advice to reflect to make sure that everything is paid directly to him in the event of passing. Yes. Beautiful.\n\nFantastic. I can update that. Not a problem at all. Well, thank you so much for your time. That is essentially everything I need to go through, and I'm so sorry.\n\nIt is a lot. Is there anything else that you maybe had questions wise for me or anything you wanted me to touch on as part of your review that I haven't touched on that you might want to ask me while you've got me here at all? Beautiful. Is there any other goals that you had noted down or wanted to sort of note down down the track that you might like us to look at? Or Yeah.\n\nRenovation. Yeah. No. Absolutely. Well, look, thank you so much for your time today.\n\nIt's been an absolute pleasure. I'm sorry it took a bit longer than I had expected, but there's a lot of things I sort of thought that I wanted to talk to you about. There's definitely some advice I can provide moving forward, and I wanna make sure that your retirement is the best it can be. So I'll work on some advice and update things for you. In the meantime, if you can find that and review drops and grab them and send them back to me, that'd be fabulous.\n\nI'll also send out that email with some information on the state trustee for you and the will services they provide. And then if you do have additional questions, you're welcome to let me know at any time. You also then have my direct email address to Emma. Okay. Beautiful.\n\nThank you so much for your time. I really appreciate it. I'll get cracking on that advice. Before I let you go, let's we'll get a quick pre assessment with my colleagues there. Is there a day or time maybe next week or the week after that would suit for them to give you a quick call and run through that?\n\nIt should only take about five to ten minutes. Yep. That's okay. Sorry. Probably today.\n\nIt's September. If I get someone to give you a call, even tomorrow, would tomorrow work for you? If not, I could do it. No. That's okay.\n\nOur office is generally open until about, say, 02:00. Our last appointment's closed at one. What time would be best for someone to give you a call? Okay. Perfect.\n\nWhat if I make it 09:00 in the morning? That way they can get to the free assessment and leave you to enjoy the rest of your day. Does that work okay? Beautiful. Awesome.\n\nThank you so much. So my colleague, Samantha, she's my admin team member. She'll give you a call, run through that with you at 9AM tomorrow morning. And then in the meantime, I'll get stuck into the research, and I'll get her to rebook your presentation after that as well so you've got an idea of when that will be in the next couple of weeks for you. Okay?\n\nThank you so much for your time. I hope you have a good day. Are you working the rest of the day? Do you have to stay off? Well oh, no.\n\nIt happened. At least it's a working day. Hopefully, the weekend or when your office is nice and sunny for you. No. We can dream.\n\nBeautiful. Thank you so much, Emma. I appreciate your time today. You have a lovely day, and I'll get cracking on that research and see what I can do to help. Thank you.\n\nTalk soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Emma.","start":3.04,"end":3.76,"sentiment":"neutral","sentiment_score":0.12342636287212372},{"text":"It's Dana from Oakley Financial.","start":3.76,"end":5.44,"sentiment":"neutral","sentiment_score":0.1798821747303009},{"text":"How are you this morning?","start":5.44,"end":6.58,"sentiment":"neutral","sentiment_score":0.23579129278659822},{"text":"Doing very well.","start":9.2,"end":10.0,"sentiment":"positive","sentiment_score":0.5519906083742777},{"text":"Thank you.","start":10.0,"end":10.48,"sentiment":"positive","sentiment_score":0.6687083840370178}],"sentiment":"neutral","sentiment_score":0.3128593327368007,"num_words":17,"start":3.04,"end":10.48},{"sentences":[{"text":"I had people looking to go through your annual review this morning.","start":10.48,"end":12.88,"sentiment":"neutral","sentiment_score":0.3048914621273677},{"text":"Is that still a good time there for you?","start":12.88,"end":14.715,"sentiment":"neutral","sentiment_score":0.23206365439626905},{"text":"Oh, fantastic.","start":17.195,"end":17.855,"sentiment":"positive","sentiment_score":0.5059717893600464},{"text":"How's your week been so far?","start":17.995,"end":19.695,"sentiment":"positive","sentiment_score":0.33916333317756653},{"text":"Oh, good.","start":23.915,"end":24.654999,"sentiment":"neutral","sentiment_score":0.28969885408878326}],"sentiment":"neutral","sentiment_score":0.30237392648573846,"num_words":31,"start":10.48,"end":24.654999},{"sentences":[{"text":"Emma, before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":24.875,"end":29.55,"sentiment":"neutral","sentiment_score":0.1543688794428652},{"text":"Are you happy to meet everything with that?","start":29.63,"end":31.65,"sentiment":"neutral","sentiment_score":0.19189359806478024},{"text":"Fantastic.","start":33.79,"end":34.29,"sentiment":"positive","sentiment_score":0.5303053855895996},{"text":"And just to do security there with you, so we are discussing your personal information.","start":34.51,"end":38.21,"sentiment":"neutral","sentiment_score":0.22556290725866954},{"text":"So I just need to confirm for me your full name, your date of birth, and address I should have on file there.","start":38.67,"end":43.035,"sentiment":"neutral","sentiment_score":0.15632259554189185}],"sentiment":"neutral","sentiment_score":0.18029612788687582,"num_words":69,"start":24.875,"end":43.035},{"sentences":[{"text":"Yep.","start":46.954998,"end":47.454998,"sentiment":"neutral","sentiment_score":0.021099265664815903},{"text":"Beautiful.","start":51.595,"end":52.095,"sentiment":"positive","sentiment_score":0.3823562264442444},{"text":"I heard it was sunny in Victoria yesterday.","start":52.315,"end":54.815,"sentiment":"neutral","sentiment_score":0.19644172117114067},{"text":"How is the weather today?","start":54.875,"end":56.175,"sentiment":"neutral","sentiment_score":0.09318469166755676},{"text":"Oh, no.","start":60.39,"end":61.29,"sentiment":"neutral","sentiment_score":-0.05661540478467941}],"sentiment":"neutral","sentiment_score":0.13692246530862415,"num_words":17,"start":46.954998,"end":61.29},{"sentences":[{"text":"Oh, you know, I'm actually going down there on most of the family holiday in a couple of weeks, and I was like, I didn't even know how to pack, but just my brother-in-law has said pack for every weather under the sun.","start":61.350002,"end":70.79,"sentiment":"neutral","sentiment_score":-0.04924580996292968},{"text":"So oh, you poor thing.","start":70.79,"end":82.034996,"sentiment":"neutral","sentiment_score":-0.0866745363920927},{"text":"I couldn't imagine that.","start":82.034996,"end":83.075,"sentiment":"neutral","sentiment_score":-0.1738872490823269},{"text":"Like, I mean, here in Queensland, all it's done is, like, rain on and off, but it's definitely not as bad as what you guys get down there.","start":83.075,"end":89.28,"sentiment":"neutral","sentiment_score":-0.0355413503795197},{"text":"You seem to get a different different season every two or three hours down there or every hour.","start":89.28,"end":94.18,"sentiment":"neutral","sentiment_score":-0.05722560236851374}],"sentiment":"neutral","sentiment_score":-0.05379296081587292,"num_words":98,"start":61.350002,"end":94.18},{"sentences":[{"text":"All good.","start":100.755,"end":101.655,"sentiment":"neutral","sentiment_score":0.21948373317718506},{"text":"Well, and I know you are busy, so I was trying to take too much of your time, but just to run through your annual review there, we do normally send through some documents for you to review as well.","start":101.715,"end":109.155,"sentiment":"neutral","sentiment_score":-0.015388203412294387},{"text":"Are you able to access your email, sir, at the moment?","start":109.155,"end":111.815,"sentiment":"neutral","sentiment_score":0.020267831669612366},{"text":"Yeah.","start":114.43,"end":114.67,"sentiment":"neutral","sentiment_score":0.10369953513145448},{"text":"Beautiful.","start":114.67,"end":115.149994,"sentiment":"neutral","sentiment_score":0.25267139077186584}],"sentiment":"neutral","sentiment_score":0.007322843711484562,"num_words":55,"start":100.755,"end":115.149994},{"sentences":[{"text":"I'm just gonna send an email to you there now.","start":115.149994,"end":117.409996,"sentiment":"neutral","sentiment_score":0.13845478147268295},{"text":"Your email is still at emma_cruising@hotmail.com.","start":117.71,"end":121.71,"sentiment":"neutral","sentiment_score":0.04565072742601236},{"text":"Is that right?","start":121.71,"end":122.53,"sentiment":"neutral","sentiment_score":0.0301207738618056},{"text":"Fantastic.","start":125.07,"end":125.57,"sentiment":"positive","sentiment_score":0.7442210912704468},{"text":"I've just sent that one through to you there.","start":125.869995,"end":127.96999,"sentiment":"positive","sentiment_score":0.34738154543770683}],"sentiment":"neutral","sentiment_score":0.19377481038200445,"num_words":29,"start":115.149994,"end":127.96999},{"sentences":[{"text":"It often comes through from dana@ocfinancial and or sometimes it just says Odoo.","start":128.265,"end":133.245,"sentiment":"neutral","sentiment_score":0.06939785898878024},{"text":"Fantastic.","start":136.665,"end":137.165,"sentiment":"positive","sentiment_score":0.567224383354187},{"text":"So if you open up the email, it has a button that says click here to start.","start":138.345,"end":142.345,"sentiment":"neutral","sentiment_score":0.09683028542820145},{"text":"I believe that's the button that says.","start":142.345,"end":143.97,"sentiment":"neutral","sentiment_score":0.047142522143466134},{"text":"If you click on that button, it'll, like, go through so you can see the summary of your superannuation and insurance currently.","start":144.45,"end":149.75,"sentiment":"neutral","sentiment_score":0.09744558754292401}],"sentiment":"neutral","sentiment_score":0.0931551997239391,"num_words":60,"start":128.265,"end":149.75},{"sentences":[{"text":"Oh, you're absolutely fine.","start":159.72499,"end":161.665,"sentiment":"neutral","sentiment_score":0.12380289472639561},{"text":"Yeah.","start":174.76001,"end":175.0,"sentiment":"neutral","sentiment_score":0.0019563790410757065},{"text":"That's the one.","start":175.0,"end":175.64,"sentiment":"neutral","sentiment_score":-0.014478127161661783},{"text":"I'm so sorry.","start":175.64,"end":176.6,"sentiment":"neutral","sentiment_score":-0.17070830861727396},{"text":"This is a new system, so I haven't actually seen what you see yet.","start":176.6,"end":179.88,"sentiment":"neutral","sentiment_score":-0.16945928760937282}],"sentiment":"neutral","sentiment_score":-0.09723285503685475,"num_words":25,"start":159.72499,"end":179.88},{"sentences":[{"text":"I do apologize.","start":179.88,"end":180.70001,"sentiment":"neutral","sentiment_score":-0.15314668913682303},{"text":"Yeah.","start":187.175,"end":187.495,"sentiment":"neutral","sentiment_score":-0.0358833409845829},{"text":"I'm like, let's send me something to sign, but there's, like, nothing.","start":187.495,"end":190.69499,"sentiment":"neutral","sentiment_score":-0.04367919840539495},{"text":"I get a random document.","start":190.69499,"end":192.055,"sentiment":"neutral","sentiment_score":-0.06352401077747345},{"text":"I'm trying to press it, and then someone tells me they've changed or updated something and it's different to what I'm used to.","start":192.055,"end":197.015,"sentiment":"neutral","sentiment_score":-0.0636781221660583}],"sentiment":"neutral","sentiment_score":-0.06367478756742044,"num_words":44,"start":179.88,"end":197.015},{"sentences":[{"text":"And I'm like, oh, no.","start":197.015,"end":198.155,"sentiment":"neutral","sentiment_score":-0.045949187874794004},{"text":"Yeah.","start":203.96,"end":204.20001,"sentiment":"neutral","sentiment_score":0.015276215970516205},{"text":"You're abs you're absolutely fine.","start":204.20001,"end":206.38,"sentiment":"neutral","sentiment_score":0.023346200957894324},{"text":"The rain might be affecting your emails too.","start":213.32501,"end":216.225,"sentiment":"neutral","sentiment_score":-0.1991072464734316},{"text":"Yeah.","start":243.525,"end":243.765,"sentiment":"neutral","sentiment_score":0.013077019713819029}],"sentiment":"neutral","sentiment_score":-0.08387598353438079,"num_words":20,"start":197.015,"end":243.765},{"sentences":[{"text":"You're fine.","start":243.765,"end":244.58499,"sentiment":"neutral","sentiment_score":0.037703330628573895},{"text":"Got it there.","start":259.3,"end":260.02,"sentiment":"neutral","sentiment_score":0.10874596486488979},{"text":"Perfect.","start":260.02,"end":260.52,"sentiment":"neutral","sentiment_score":0.30418360233306885},{"text":"Excellent.","start":262.9,"end":263.4,"sentiment":"neutral","sentiment_score":0.33271896839141846},{"text":"So when I have a look back at your annual review last year, your balance when you have 24 then was $272,009.57.","start":263.7,"end":271.17502,"sentiment":"neutral","sentiment_score":0.07782805270769379}],"sentiment":"neutral","sentiment_score":0.0948539409015713,"num_words":29,"start":243.765,"end":271.17502},{"sentences":[{"text":"And within a West Supa there, you had about $9,778.41.","start":271.475,"end":276.755,"sentiment":"neutral","sentiment_score":0.014689763262867927},{"text":"So West Supa hasn't really have much of a change.","start":276.755,"end":279.635,"sentiment":"neutral","sentiment_score":-0.17416854128241538},{"text":"There's no contributions going in there.","start":279.635,"end":281.23502,"sentiment":"neutral","sentiment_score":-0.14477211982011795},{"text":"It looks like all your contributions are going into Hub '24.","start":281.23502,"end":284.39,"sentiment":"neutral","sentiment_score":0.27597868713465606},{"text":"So you will see a a decent increase there.","start":285.01,"end":287.25,"sentiment":"positive","sentiment_score":0.5232559939225515}],"sentiment":"neutral","sentiment_score":0.11481845662321734,"num_words":46,"start":271.475,"end":287.25},{"sentences":[{"text":"But we're also seeing a little bit of growth, albeit this year, we have seen a lot of ups and downs in the market with what has been happening.","start":287.25,"end":293.91,"sentiment":"neutral","sentiment_score":-0.07595397763211152},{"text":"And I've had a bit of a look at your portfolio because it hasn't really changed in the last couple of years, and I've sort of noticed some areas where we could update or change your portfolio for you.","start":294.37,"end":303.225,"sentiment":"neutral","sentiment_score":0.15347969627533203},{"text":"So I'd love to provide some advice to kind of build on that, make some changes to your portfolio, and keep it working hard and long term for you.","start":303.225,"end":309.965,"sentiment":"positive","sentiment_score":0.6034462071698288},{"text":"Okay?","start":310.025,"end":310.525,"sentiment":"neutral","sentiment_score":0.17267845571041107},{"text":"I'll go here with you in a second when you can see, though.","start":312.27002,"end":314.67,"sentiment":"neutral","sentiment_score":0.09121528840981998}],"sentiment":"neutral","sentiment_score":0.20397711726459297,"num_words":111,"start":287.25,"end":314.67},{"sentences":[{"text":"It's not underneath that with your Aware super, that's a solely essentially being kept open to keep your insurances in place there.","start":314.67,"end":321.49002,"sentiment":"neutral","sentiment_score":0.06958180560137738},{"text":"Your insurance cover within Aware is more of a it says level, but it's actually more of a group cover because it has definitely decreased.","start":321.87,"end":328.895,"sentiment":"neutral","sentiment_score":-0.08529828295111656},{"text":"So your life cover and CPD that you had last year within AWARE was at a a sum insured of 348,600, whereas it has decreased while it's just 331,000 here.","start":329.275,"end":342.09497,"sentiment":"neutral","sentiment_score":-0.08151254697392384},{"text":"These sorts of covers do tend to decrease over time.","start":342.56,"end":345.38,"sentiment":"neutral","sentiment_score":-0.23758606165647506},{"text":"Realistically, it's not a bad thing because, I mean, you wanna pay a little bit less.","start":345.91998,"end":350.56,"sentiment":"neutral","sentiment_score":0.09469954250380397}],"sentiment":"neutral","sentiment_score":-0.03793885142008946,"num_words":103,"start":314.67,"end":350.56},{"sentences":[{"text":"This has cost you more this year for the decrease than last year for the insurance premium, but it's also making sure that you have the level of cover that you're after as well.","start":350.56,"end":360.10498,"sentiment":"neutral","sentiment_score":0.12251130447668188},{"text":"So when you sort of think about your life cover, if you were to pass away today and I'm sorry.","start":360.245,"end":365.205,"sentiment":"neutral","sentiment_score":-0.08271501623094082},{"text":"It gets a little bit morbid.","start":365.205,"end":366.585,"sentiment":"neutral","sentiment_score":-0.20606909692287445},{"text":"But if you were to pass away today, the 331,000 can be paid out to your beneficiaries, and then you've also got your super benefit paid on top of that.","start":366.965,"end":375.25,"sentiment":"neutral","sentiment_score":0.08691856004297734},{"text":"So currently, it's giving an approx figure of about 651,361 and 80 oh, sorry.","start":375.25,"end":383.25,"sentiment":"neutral","sentiment_score":0.0611501776480249}],"sentiment":"neutral","sentiment_score":0.04556085321550759,"num_words":104,"start":350.56,"end":383.25},{"sentences":[{"text":"68¢ as a life insurance benefit.","start":383.25,"end":386.455,"sentiment":"neutral","sentiment_score":-0.018288375437259675},{"text":"Thinking about that level of cover, does that feel appropriate, or did you wanna kinda reassess that?","start":387.395,"end":392.03497,"sentiment":"neutral","sentiment_score":-0.05923234123517485},{"text":"And if you were to pass away today, what do you want that to cover?","start":392.03497,"end":395.315,"sentiment":"neutral","sentiment_score":-0.16832871337731678},{"text":"Who do you want it to go to?","start":395.315,"end":396.935,"sentiment":"neutral","sentiment_score":-0.09519686456769705},{"text":"Yep.","start":401.54,"end":401.94,"sentiment":"neutral","sentiment_score":0.06787659972906113}],"sentiment":"neutral","sentiment_score":-0.09384827599253344,"num_words":47,"start":383.25,"end":401.94},{"sentences":[{"text":"Yep.","start":401.94,"end":402.26,"sentiment":"neutral","sentiment_score":0.12891250848770142},{"text":"Beautiful.","start":402.26,"end":402.76,"sentiment":"positive","sentiment_score":0.559657096862793},{"text":"That's Scott.","start":403.54,"end":404.36002,"sentiment":"positive","sentiment_score":0.4030401408672333},{"text":"Yep.","start":406.66,"end":407.16,"sentiment":"neutral","sentiment_score":0.2332506775856018},{"text":"Beautiful.","start":407.62,"end":408.12,"sentiment":"positive","sentiment_score":0.5562286376953125}],"sentiment":"positive","sentiment_score":0.38068820039431256,"num_words":6,"start":401.94,"end":408.12},{"sentences":[{"text":"I can see here that you do have your main primary residence and a couple of investment properties there as well.","start":408.82,"end":414.225,"sentiment":"neutral","sentiment_score":0.12373491341159457},{"text":"Do you still have those three properties?","start":414.225,"end":416.16498,"sentiment":"neutral","sentiment_score":0.02488500558372055},{"text":"Mhmm.","start":423.425,"end":423.72,"sentiment":"neutral","sentiment_score":0.010812709107995032},{"text":"Okay.","start":424.68,"end":425.0,"sentiment":"neutral","sentiment_score":0.004798552021384239},{"text":"No.","start":425.0,"end":425.32,"sentiment":"neutral","sentiment_score":-0.02752419002354145}],"sentiment":"neutral","sentiment_score":0.08905533199468928,"num_words":31,"start":408.82,"end":425.32},{"sentences":[{"text":"That's alright.","start":425.32,"end":425.72,"sentiment":"neutral","sentiment_score":-0.008136245887726545},{"text":"Is that in Preston?","start":425.72,"end":426.7,"sentiment":"neutral","sentiment_score":0.005954170715995133},{"text":"Yeah.","start":429.0,"end":429.32,"sentiment":"neutral","sentiment_score":0.16964057087898254},{"text":"That's perfect.","start":429.32,"end":429.96,"sentiment":"positive","sentiment_score":0.4951629936695099},{"text":"I'll just delete the other one here.","start":429.96,"end":431.24,"sentiment":"neutral","sentiment_score":0.19408845688615525}],"sentiment":"neutral","sentiment_score":0.15788312171935104,"num_words":16,"start":425.32,"end":431.24},{"sentences":[{"text":"It looks like it might have been noted down to five from the past, so it's absolutely fine.","start":431.24,"end":435.32,"sentiment":"neutral","sentiment_score":0.20247839184270966},{"text":"So I'll just delete that for you.","start":435.32,"end":437.085,"sentiment":"neutral","sentiment_score":0.14466819699321473},{"text":"So, realistically, now if you think about that that 651,000, how much do you have owing on your main primary residence currently?","start":437.245,"end":444.54498,"sentiment":"neutral","sentiment_score":0.012035758784887466},{"text":"About 651,000 or six fifty ish.","start":450.81,"end":455.78998,"sentiment":"neutral","sentiment_score":0.005053491952518622},{"text":"Yes.","start":456.25,"end":456.75,"sentiment":"neutral","sentiment_score":0.011931877583265305}],"sentiment":"neutral","sentiment_score":0.09193199916087368,"num_words":54,"start":431.24,"end":456.75},{"sentences":[{"text":"Oh, between the two.","start":457.84998,"end":459.78998,"sentiment":"neutral","sentiment_score":0.004150636959820986},{"text":"Yes.","start":460.56998,"end":460.81,"sentiment":"neutral","sentiment_score":0.13670635223388672},{"text":"That's definitely fine.","start":460.81,"end":461.84998,"sentiment":"neutral","sentiment_score":0.2535693645477295},{"text":"So, realistically, that level of cover could pay off those loans.","start":461.84998,"end":465.22998,"sentiment":"neutral","sentiment_score":0.12365998056801883},{"text":"That would mean that Scott could continue working, live debt free from the investment property, still collect income, or it could just pay off one or either of them and allow for a little bit of extra, you know, a buffer for him as well.","start":465.915,"end":480.495,"sentiment":"neutral","sentiment_score":0.16588086816999648}],"sentiment":"neutral","sentiment_score":0.15217056011897512,"num_words":64,"start":457.84998,"end":480.495},{"sentences":[{"text":"How do you sort of feel about that level of cover?","start":480.81,"end":482.57,"sentiment":"neutral","sentiment_score":-0.0213117545301264},{"text":"Does it feel like it meets your needs, or did you wanna kinda reevaluate that at all?","start":482.57,"end":486.75,"sentiment":"neutral","sentiment_score":-0.04816063997500083},{"text":"That sounds okay?","start":491.05002,"end":491.85,"sentiment":"neutral","sentiment_score":0.06326689819494884},{"text":"Yep.","start":491.85,"end":492.17,"sentiment":"neutral","sentiment_score":0.07254013419151306},{"text":"Beautiful.","start":492.17,"end":492.57,"sentiment":"neutral","sentiment_score":0.1844957172870636}],"sentiment":"neutral","sentiment_score":-0.0183734434346358,"num_words":33,"start":480.81,"end":492.57},{"sentences":[{"text":"And so you said it's about 650,000 owing between the two properties.","start":492.57,"end":496.545,"sentiment":"neutral","sentiment_score":0.016601021479194362},{"text":"If you broke that up to each property, how much are you owing on the main primary residence as opposed to the investment property?","start":496.92502,"end":502.865,"sentiment":"neutral","sentiment_score":-0.006593234332588811},{"text":"Sorry.","start":508.01,"end":508.33002,"sentiment":"neutral","sentiment_score":-0.06359715014696121},{"text":"You're right.","start":508.33002,"end":508.81,"sentiment":"neutral","sentiment_score":-0.039525989443063736},{"text":"Sorry.","start":508.81,"end":509.31,"sentiment":"neutral","sentiment_score":-0.0578843355178833}],"sentiment":"neutral","sentiment_score":-0.003988970769569278,"num_words":40,"start":492.57,"end":509.31},{"sentences":[{"text":"You're fine.","start":521.185,"end":521.84503,"sentiment":"neutral","sentiment_score":-0.01592765562236309},{"text":"Yep.","start":532.74,"end":533.24,"sentiment":"neutral","sentiment_score":0.030123859643936157},{"text":"And the roughly $2.60 on the other.","start":536.26,"end":538.6,"sentiment":"neutral","sentiment_score":0.012836201382534844},{"text":"Yep.","start":541.86,"end":542.26,"sentiment":"neutral","sentiment_score":0.17861132323741913},{"text":"Beautiful.","start":542.26,"end":542.76,"sentiment":"positive","sentiment_score":0.5515483617782593}],"sentiment":"neutral","sentiment_score":0.06819013692438602,"num_words":12,"start":521.185,"end":542.76},{"sentences":[{"text":"Update those for you.","start":542.9,"end":544.36,"sentiment":"neutral","sentiment_score":0.24616968631744385},{"text":"Asset value in your main primary residence.","start":544.91504,"end":546.835,"sentiment":"neutral","sentiment_score":0.05469025405389922},{"text":"You have that valued at about $7.30 last year.","start":546.835,"end":549.635,"sentiment":"neutral","sentiment_score":0.03615766432550219},{"text":"Would you increase or alter the value on that currently, do you think?","start":549.635,"end":553.175,"sentiment":"neutral","sentiment_score":0.036903949884267956},{"text":"Yeah.","start":562.38,"end":562.88,"sentiment":"neutral","sentiment_score":0.01231421623378992}],"sentiment":"neutral","sentiment_score":0.06426456080311362,"num_words":34,"start":542.9,"end":562.88},{"sentences":[{"text":"800,000.","start":567.02,"end":568.16,"sentiment":"neutral","sentiment_score":0.019024256616830822},{"text":"Beautiful.","start":568.22,"end":568.72,"sentiment":"neutral","sentiment_score":0.3030126392841339},{"text":"Excellent.","start":568.86,"end":569.36,"sentiment":"positive","sentiment_score":0.3913315534591675},{"text":"And with the property in Preston, we had that valued about $4.50 last year.","start":569.42,"end":574.855,"sentiment":"neutral","sentiment_score":0.14280945754476956},{"text":"Would you increase that value there as well?","start":574.855,"end":577.115,"sentiment":"neutral","sentiment_score":0.11878527514636517}],"sentiment":"neutral","sentiment_score":0.1465193222463131,"num_words":25,"start":567.02,"end":577.115},{"sentences":[{"text":"Yep.","start":583.415,"end":583.895,"sentiment":"neutral","sentiment_score":0.3148425817489624},{"text":"That's perfect.","start":583.895,"end":584.715,"sentiment":"positive","sentiment_score":0.6357735693454742},{"text":"Excellent.","start":584.935,"end":585.435,"sentiment":"positive","sentiment_score":0.5835788249969482},{"text":"So for BC life cover, you're sort of happy with that level of cover you have at the moment there.","start":586.12,"end":590.04004,"sentiment":"positive","sentiment_score":0.39079689383506777},{"text":"Now with your PCD, your total permanent disability cover, that would be paid out as a lump sum or an income stream in the event that you were never able to go back to work again.","start":590.04004,"end":599.235,"sentiment":"neutral","sentiment_score":0.049956577053914465}],"sentiment":"neutral","sentiment_score":0.19640571993465225,"num_words":60,"start":583.415,"end":599.235},{"sentences":[{"text":"Say you had some sort of disability, a car accident, and you were never able to go back to work again.","start":599.315,"end":603.89496,"sentiment":"neutral","sentiment_score":-0.07814246912797292},{"text":"In order to meet the definition for TBD, isn't any definition that means that you must never be able to go back to work for any occupation for which you have worked, educated, or trained.","start":604.675,"end":614.935,"sentiment":"neutral","sentiment_score":-0.08065119108983448},{"text":"And if you were to claim TBD, just so you're fully aware of how TBD works, if you're under the age of 60 and you have TBD fully paid out, you can actually pay tax of up to 22% on the payout, which reduces how much you could receive after the fact, which is terrible and not fair in any way, shape, or form.","start":615.93,"end":636.725,"sentiment":"neutral","sentiment_score":-0.16316346504027024},{"text":"But if you were to also claim on TBD, other permanent incapacity, we can also claim against your super.","start":639.025,"end":646.03,"sentiment":"neutral","sentiment_score":-0.053380913052119706},{"text":"So it does mean, theoretically, before any tax consequences, you're still covered for that $651,003.61 and 68¢.","start":646.03,"end":655.65,"sentiment":"neutral","sentiment_score":-0.030587597473640926}],"sentiment":"neutral","sentiment_score":-0.10587022070953202,"num_words":156,"start":599.315,"end":655.65},{"sentences":[{"text":"Do you feel like at the moment that's an appropriate level of cover?","start":656.27,"end":659.495,"sentiment":"neutral","sentiment_score":-0.05481709654514606},{"text":"Would you wanna kind of reevaluate that?","start":659.495,"end":661.735,"sentiment":"neutral","sentiment_score":-0.06582354381680489},{"text":"And what sort of what would you how would you think that money would be used if you were TBD?","start":661.735,"end":666.795,"sentiment":"neutral","sentiment_score":-0.03494291203096509},{"text":"Sorry.","start":667.01495,"end":667.33496,"sentiment":"neutral","sentiment_score":-0.15832184255123138},{"text":"I asked all the questions you probably never thought of.","start":667.33496,"end":669.755,"sentiment":"neutral","sentiment_score":-0.16441406309604645}],"sentiment":"neutral","sentiment_score":-0.07205309364579472,"num_words":51,"start":656.27,"end":669.755},{"sentences":[{"text":"Tough one, isn't it?","start":673.86,"end":682.505,"sentiment":"neutral","sentiment_score":-0.14185411855578423},{"text":"Absolutely.","start":684.72,"end":685.22,"sentiment":"neutral","sentiment_score":0.17816975712776184},{"text":"Absolutely.","start":700.795,"end":701.195,"sentiment":"neutral","sentiment_score":0.05560888350009918},{"text":"And that's the other definitely.","start":701.195,"end":703.58,"sentiment":"neutral","sentiment_score":0.05140118524432182},{"text":"Cover you.","start":706.36,"end":707.26,"sentiment":"neutral","sentiment_score":0.012771863490343094}],"sentiment":"neutral","sentiment_score":-0.003929860030229275,"num_words":13,"start":673.86,"end":707.26},{"sentences":[{"text":"Absolutely.","start":708.76,"end":709.26,"sentiment":"neutral","sentiment_score":0.13007959723472595},{"text":"And that's probably the toughest part because having insurance is paid out of super is good because it means you're paying those premiums out of your back pocket, but it also means that those premiums are coming out of your super contributions and the growth.","start":709.56,"end":722.815,"sentiment":"neutral","sentiment_score":-0.040452173269457284},{"text":"So it does have an effect long term on how much super you end up with and, you know, making sure that we can review the insurances and decrease them or alter them over time because they're not because they do increase in price.","start":722.815,"end":734.83,"sentiment":"neutral","sentiment_score":-0.0601671455766667},{"text":"I mean, if you look at the the cover last year, as I kinda mentioned, is you had about 348,000 of life and TBD.","start":734.83,"end":741.89,"sentiment":"neutral","sentiment_score":-0.056232383785148464},{"text":"It's decreased to 331,050, even though where.","start":741.95,"end":745.665,"sentiment":"neutral","sentiment_score":-0.09883228476558413}],"sentiment":"neutral","sentiment_score":-0.05271922156584164,"num_words":121,"start":708.76,"end":745.665},{"sentences":[{"text":"But last year, you paid a thousand and 57 for the insurance premium for the year.","start":745.985,"end":751.26495,"sentiment":"neutral","sentiment_score":-0.10626710625365376},{"text":"If this year, you're paying a thousand 117.","start":751.26495,"end":754.005,"sentiment":"neutral","sentiment_score":-0.09198639821261168},{"text":"So within the industry funds, these insurances are decreasing, but it looks like your the amount you're paying because the risk of you claiming is becoming increasingly higher over time.","start":754.14496,"end":765.18,"sentiment":"neutral","sentiment_score":-0.1942909742395083},{"text":"And that that also has an effect on your super.","start":765.8,"end":768.44,"sentiment":"neutral","sentiment_score":0.010958725214004516},{"text":"So we definitely wanna make sure we review those with you.","start":768.44,"end":771.695,"sentiment":"neutral","sentiment_score":0.13321926986629312}],"sentiment":"neutral","sentiment_score":-0.08919859856367111,"num_words":75,"start":745.985,"end":771.695},{"sentences":[{"text":"But do you think the now CBD would be appropriate?","start":771.755,"end":774.715,"sentiment":"neutral","sentiment_score":0.039980586245656015},{"text":"Did you wanna have a think about it?","start":774.715,"end":776.155,"sentiment":"neutral","sentiment_score":0.020389519166201353},{"text":"What's your thought?","start":776.155,"end":777.135,"sentiment":"neutral","sentiment_score":-0.010066057865818342},{"text":"Yeah.","start":789.21,"end":789.61,"sentiment":"neutral","sentiment_score":-0.09009487181901932},{"text":"Did you want me to maybe do some research?","start":789.61,"end":792.11,"sentiment":"neutral","sentiment_score":-0.06104395166039467}],"sentiment":"neutral","sentiment_score":-0.003444083695930819,"num_words":31,"start":771.755,"end":792.11},{"sentences":[{"text":"I can start by maybe going through doing a pre assessment with you, get my calls to a pre assessment, and I could have a look at maybe seeing if there's some better cover out there, looking at trying to consolidate things for you.","start":792.25,"end":802.54504,"sentiment":"neutral","sentiment_score":0.01143918415023522},{"text":"Would that be something you'd like me to maybe do?","start":802.54504,"end":804.805,"sentiment":"neutral","sentiment_score":0.06537430509924888},{"text":"Your job.","start":815.51996,"end":816.25995,"sentiment":"neutral","sentiment_score":-0.19348596036434174},{"text":"Yeah.","start":816.48,"end":816.98,"sentiment":"neutral","sentiment_score":-0.09016990661621094},{"text":"Yeah.","start":817.51996,"end":817.83997,"sentiment":"neutral","sentiment_score":-0.02617635764181614}],"sentiment":"neutral","sentiment_score":0.011271533941657379,"num_words":58,"start":792.25,"end":817.83997},{"sentences":[{"text":"Absolutely.","start":817.83997,"end":818.33997,"sentiment":"neutral","sentiment_score":-0.047098901122808456},{"text":"I can sort of see that.","start":818.56,"end":819.51996,"sentiment":"neutral","sentiment_score":-0.05558082709709803},{"text":"So you yeah.","start":819.51996,"end":821.86,"sentiment":"neutral","sentiment_score":0.03737733451028665},{"text":"I can see you work for the state government in forestry work, so bushfire services.","start":821.92,"end":826.755,"sentiment":"neutral","sentiment_score":0.0640712670981884},{"text":"Is that right?","start":826.815,"end":827.71497,"sentiment":"neutral","sentiment_score":0.07952319209774335}],"sentiment":"neutral","sentiment_score":0.03325666866398284,"num_words":28,"start":817.83997,"end":827.71497},{"sentences":[{"text":"Yeah.","start":831.375,"end":831.875,"sentiment":"neutral","sentiment_score":0.13274337351322174},{"text":"That's okay.","start":832.015,"end":832.83496,"sentiment":"neutral","sentiment_score":0.1767241507768631},{"text":"If I was to go and look.","start":833.935,"end":835.375,"sentiment":"neutral","sentiment_score":0.04318112560680935},{"text":"I'm happy to do it.","start":835.375,"end":836.175,"sentiment":"positive","sentiment_score":0.7109322547912598},{"text":"I think it's, yeah.","start":836.175,"end":838.49005,"sentiment":"positive","sentiment_score":0.40375135093927383}],"sentiment":"neutral","sentiment_score":0.3135855911593688,"num_words":19,"start":831.375,"end":838.49005},{"sentences":[{"text":"I have had a couple of clients where I have gotten them wife and TDD and income protection based on being a firefighter.","start":838.95,"end":847.53,"sentiment":"neutral","sentiment_score":0.20776245840217755},{"text":"So there could have definitely been some changes in occupation standard.","start":847.67004,"end":851.77,"sentiment":"neutral","sentiment_score":0.1014621765776114},{"text":"I would love to, get one of my colleagues over the next couple of weeks to do a bit of a pre assessment with you, and I can go back and reassess all of that and see what I can do to put you in a better position, maybe get a level of insurance that's not gonna keep decreasing over time and see what we can do as a comparison for you and update the advice to reflect.","start":852.355,"end":871.94,"sentiment":"neutral","sentiment_score":0.25090937282985604},{"text":"Are you comfortable with me doing that for you?","start":871.94,"end":874.2,"sentiment":"neutral","sentiment_score":0.038010461462868586},{"text":"Yeah.","start":878.26,"end":878.76,"sentiment":"neutral","sentiment_score":0.009803280234336851}],"sentiment":"neutral","sentiment_score":0.2116184344240388,"num_words":122,"start":838.95,"end":878.76},{"sentences":[{"text":"Yeah.","start":890.275,"end":890.67505,"sentiment":"neutral","sentiment_score":-0.009758872911334038},{"text":"Yeah.","start":890.67505,"end":891.17505,"sentiment":"neutral","sentiment_score":-0.00003085099160671234},{"text":"Yeah.","start":891.315,"end":891.395,"sentiment":"neutral","sentiment_score":0.007626546546816826},{"text":"I have I have that argument with an insurer the other week.","start":891.395,"end":894.14,"sentiment":"neutral","sentiment_score":-0.012423718037704626},{"text":"You know, like, yes.","start":894.14,"end":895.74005,"sentiment":"neutral","sentiment_score":0.0009223837405443192}],"sentiment":"neutral","sentiment_score":-0.007766224149810641,"num_words":19,"start":890.275,"end":895.74005},{"sentences":[{"text":"You've got this risk level that you assess, but when you think about some of these high risk occupations, they actually have so many safety measures in place that it's probably safer than going to work than me going and sitting in an office.","start":895.74005,"end":909.185,"sentiment":"neutral","sentiment_score":-0.014884463765404442},{"text":"So, you know, the the risk of you guys claiming is probably lower.","start":909.325,"end":915.665,"sentiment":"neutral","sentiment_score":-0.04502982187729616},{"text":"Yeah.","start":917.77997,"end":918.18,"sentiment":"neutral","sentiment_score":0.027682501822710037},{"text":"Yeah.","start":918.18,"end":918.58,"sentiment":"neutral","sentiment_score":0.042963556945323944},{"text":"No.","start":918.58,"end":918.82,"sentiment":"neutral","sentiment_score":0.03298551216721535}],"sentiment":"neutral","sentiment_score":-0.018944541985789935,"num_words":60,"start":895.74005,"end":918.82},{"sentences":[{"text":"I I absolutely agree with that.","start":918.82,"end":920.58,"sentiment":"neutral","sentiment_score":0.1299922652542591},{"text":"And the insurer just looked at me and went, yeah.","start":920.58,"end":922.74,"sentiment":"neutral","sentiment_score":0.04263902083039284},{"text":"Look.","start":922.74,"end":922.98,"sentiment":"neutral","sentiment_score":0.07106566429138184},{"text":"I don't disagree with you.","start":922.98,"end":924.44,"sentiment":"neutral","sentiment_score":0.028299782797694205},{"text":"They are.","start":929.77496,"end":930.25494,"sentiment":"neutral","sentiment_score":0.0005173627287149429}],"sentiment":"neutral","sentiment_score":0.05916429598194858,"num_words":24,"start":918.82,"end":930.25494},{"sentences":[{"text":"They are.","start":930.25494,"end":930.65497,"sentiment":"neutral","sentiment_score":0.003094957210123539},{"text":"And they have reinsurers.","start":930.65497,"end":931.795,"sentiment":"neutral","sentiment_score":-0.008880454581230879},{"text":"So, essentially, when the underwriters assess an application, they're also then providing the application and the information to their reinsurers.","start":932.175,"end":939.63495,"sentiment":"neutral","sentiment_score":0.12990639507770538},{"text":"So they're insuring you for the risk of you having to claim, but then they're insuring themselves for the risk of you having to claim, and that insurance, they're insuring themselves.","start":939.69495,"end":947.51,"sentiment":"neutral","sentiment_score":0.1570070001386827},{"text":"So it's just insurance on top of insurance on top of insurance.","start":947.51,"end":950.65,"sentiment":"neutral","sentiment_score":0.1040576317658027}],"sentiment":"neutral","sentiment_score":0.1258652838135975,"num_words":69,"start":930.25494,"end":950.65},{"sentences":[{"text":"Every provider is reinsuring themselves for the risk of you claiming down the bottom here.","start":950.79004,"end":955.19,"sentiment":"neutral","sentiment_score":0.04572912057240804},{"text":"It's a really interesting cycle to look at, and I was like, this is truly insane.","start":955.19,"end":959.555,"sentiment":"negative","sentiment_score":-0.343645510263741},{"text":"No wonder insurance premiums cost so much.","start":959.555,"end":961.555,"sentiment":"negative","sentiment_score":-0.3958468905517033},{"text":"Just everyone is just insuring themselves for the for the policy.","start":961.555,"end":964.615,"sentiment":"neutral","sentiment_score":-0.1566682830452919},{"text":"No.","start":972.75,"end":973.07,"sentiment":"neutral","sentiment_score":-0.274872750043869}],"sentiment":"neutral","sentiment_score":-0.19163086906075477,"num_words":50,"start":950.79004,"end":973.07},{"sentences":[{"text":"All good.","start":973.07,"end":973.47,"sentiment":"neutral","sentiment_score":-0.03837055340409279},{"text":"Well, if I do go back and and have a look at the insurance, it's going to see what I'm able to obtain.","start":973.47,"end":977.95,"sentiment":"neutral","sentiment_score":0.14034559350946677},{"text":"See if I can maybe consolidate your supers and see what we can do to kind of benefit your super moving forward.","start":977.95,"end":983.81,"sentiment":"positive","sentiment_score":0.47270064326849853},{"text":"Did you want me to look at the same level of life and TDD, or did you just want me to maybe look at the enough to cover both the mortgages?","start":984.255,"end":991.395,"sentiment":"neutral","sentiment_score":0.10721300986986007},{"text":"What would you want to cover in the event of a life and or total permanent disability event that you would like me to look at for you?","start":991.695,"end":997.77,"sentiment":"neutral","sentiment_score":0.09725885452436549}],"sentiment":"neutral","sentiment_score":0.18488182007985296,"num_words":106,"start":973.07,"end":997.77},{"sentences":[{"text":"Yeah.","start":1009.21,"end":1009.61005,"sentiment":"neutral","sentiment_score":0.02196412533521652},{"text":"Would you like me to gross it up for maybe the 22 percent tax aspect?","start":1009.61005,"end":1013.245,"sentiment":"neutral","sentiment_score":0.06402168199419975},{"text":"So in the event of a claim, we consider and look.","start":1013.245,"end":1017.245,"sentiment":"neutral","sentiment_score":0.02068639343435114},{"text":"Honestly, if you were to claim, we would try to keep the money invested.","start":1017.245,"end":1021.665,"sentiment":"neutral","sentiment_score":-0.06342404867921557},{"text":"So a lot of people do pull all the money out as a whole, and that's where that 22 tax can really kinda get a hold of you.","start":1021.725,"end":1028.8301,"sentiment":"neutral","sentiment_score":-0.1428128680480378}],"sentiment":"neutral","sentiment_score":-0.053287787012000015,"num_words":69,"start":1009.21,"end":1028.8301},{"sentences":[{"text":"The tax is up to 22%.","start":1028.89,"end":1030.81,"sentiment":"neutral","sentiment_score":-0.17987191925446191},{"text":"It could be less than that.","start":1030.81,"end":1031.93,"sentiment":"neutral","sentiment_score":-0.206708033879598},{"text":"It's just that we don't know because of the math calculation at the time of claim.","start":1031.93,"end":1035.4501,"sentiment":"neutral","sentiment_score":-0.22428388940170407},{"text":"It determines the actual taxable component.","start":1035.4501,"end":1037.7101,"sentiment":"neutral","sentiment_score":-0.10605600600441296},{"text":"So we utilize the 22% because this is the worst case scenario that you could see.","start":1038.65,"end":1043.4349,"sentiment":"neutral","sentiment_score":-0.22591490531340241}],"sentiment":"neutral","sentiment_score":-0.20317992940545082,"num_words":50,"start":1028.89,"end":1043.4349},{"sentences":[{"text":"But we would also provide advice to try and keep as much money invested working harder because given your age I mean, you're 42 this forty forty three this year in December, so 42 years of age now.","start":1043.8949,"end":1056.215,"sentiment":"neutral","sentiment_score":0.1012742499771871},{"text":"Do you still have seventeen years before you can access super at the age of 60.","start":1056.215,"end":1061.26,"sentiment":"neutral","sentiment_score":-0.00340487330686301},{"text":"And then if you think about if you were not working, that's to the age of 60, but then there's a whole another lifetime in retirement that has to be funded and and to look after you as well.","start":1061.56,"end":1071.18,"sentiment":"neutral","sentiment_score":0.05531255318186222},{"text":"So we would wanna try and keep as much money invested in the super system or in a way that it's maybe paying your regular income, but still making it work long term for you so that the money lasts as long as possible.","start":1071.605,"end":1082.0673,"sentiment":"positive","sentiment_score":0.39241873066533695},{"text":"Does that make sense?","start":1082.0673,"end":1082.905,"sentiment":"neutral","sentiment_score":0.16907993331551552}],"sentiment":"neutral","sentiment_score":0.16946012044576467,"num_words":141,"start":1043.8949,"end":1082.905},{"sentences":[{"text":"Grossing up the TBD to a factor in the 22% tax, so maybe look at paying out both the mortgages and factor the tax component for the TBD side of things?","start":1091.66,"end":1103.415,"sentiment":"neutral","sentiment_score":0.038232394824585604},{"text":"Yeah.","start":1104.995,"end":1105.395,"sentiment":"neutral","sentiment_score":0.11535155773162842},{"text":"Beautiful.","start":1105.395,"end":1105.875,"sentiment":"positive","sentiment_score":0.36319637298583984},{"text":"Did you wanna look at covering any years worth of income as well, or are you happy to looking at that as a base level of TBD?","start":1105.875,"end":1112.295,"sentiment":"neutral","sentiment_score":0.09125513804179651},{"text":"Yep.","start":1117.56,"end":1118.06,"sentiment":"neutral","sentiment_score":0.21750640869140625}],"sentiment":"neutral","sentiment_score":0.07123192305081204,"num_words":61,"start":1091.66,"end":1118.06},{"sentences":[{"text":"Beautiful.","start":1118.2001,"end":1118.7001,"sentiment":"positive","sentiment_score":0.536409318447113},{"text":"Fantastic.","start":1119.16,"end":1119.66,"sentiment":"positive","sentiment_score":0.6059496402740479},{"text":"And I can also look at linking life and grossing that up as well.","start":1120.92,"end":1124.04,"sentiment":"positive","sentiment_score":0.3543423925127302},{"text":"So it might mean you have a bit more life coverage, but it can make the policy cheaper as well.","start":1124.04,"end":1128.195,"sentiment":"neutral","sentiment_score":0.26404613330960275},{"text":"So we get things like multi policy discount.","start":1128.195,"end":1130.535,"sentiment":"neutral","sentiment_score":0.1948742289096117}],"sentiment":"neutral","sentiment_score":0.2941606579856439,"num_words":44,"start":1118.2001,"end":1130.535},{"sentences":[{"text":"So I can look at that for you.","start":1131.075,"end":1132.4349,"sentiment":"neutral","sentiment_score":0.12346858438104391},{"text":"Absolutely.","start":1132.4349,"end":1132.9349,"sentiment":"neutral","sentiment_score":0.3234301805496216},{"text":"Yep.","start":1134.275,"end":1134.775,"sentiment":"neutral","sentiment_score":0.2724049687385559},{"text":"Beautiful.","start":1134.835,"end":1135.335,"sentiment":"positive","sentiment_score":0.4260164499282837},{"text":"And we you've also got your income protection benefit there.","start":1136.515,"end":1139.715,"sentiment":"neutral","sentiment_score":0.18535553514957429}],"sentiment":"neutral","sentiment_score":0.1839597917028836,"num_words":21,"start":1131.075,"end":1139.715},{"sentences":[{"text":"Now that hasn't changed.","start":1139.715,"end":1141.015,"sentiment":"neutral","sentiment_score":0.07118586916476488},{"text":"You still have the monthly benefit of 3,000 in the event of claiming.","start":1141.155,"end":1145.51,"sentiment":"neutral","sentiment_score":0.10612922219129708},{"text":"Again, income protection is a taxable payment.","start":1146.2899,"end":1148.87,"sentiment":"neutral","sentiment_score":0.0691460594534874},{"text":"So if you are on an income protection claim, that monthly benefit is pretax, the same as your income.","start":1148.9299,"end":1155.91,"sentiment":"neutral","sentiment_score":0.10233157637872194},{"text":"So, realistically, you're probably looking at about $252.06 as a monthly benefit.","start":1157.805,"end":1162.785,"sentiment":"neutral","sentiment_score":0.14103179859618345}],"sentiment":"neutral","sentiment_score":0.1051841330121864,"num_words":55,"start":1139.715,"end":1162.785},{"sentences":[{"text":"Does that feel fairly sufficient for you if you weren't able to work in the short term?","start":1163.165,"end":1166.925,"sentiment":"neutral","sentiment_score":0.08234330442021875},{"text":"Would you wanna look at some income protection that might be more sufficient for your age and age?","start":1166.925,"end":1172.17,"sentiment":"neutral","sentiment_score":0.03731152632584175},{"text":"Or yep.","start":1172.17,"end":1182.81,"sentiment":"neutral","sentiment_score":-0.004337754100561142},{"text":"That you could survive on.","start":1182.81,"end":1184.085,"sentiment":"neutral","sentiment_score":0.057307138293981555},{"text":"Yeah.","start":1185.0449,"end":1185.5449,"sentiment":"neutral","sentiment_score":0.024745099246501923}],"sentiment":"neutral","sentiment_score":0.05521044026800366,"num_words":43,"start":1163.165,"end":1185.5449},{"sentences":[{"text":"Income wise, I had you on a 107,000.","start":1186.1649,"end":1189.205,"sentiment":"neutral","sentiment_score":0.01655823248438537},{"text":"Has it gone up since we last touched base?","start":1189.205,"end":1191.625,"sentiment":"neutral","sentiment_score":0.008475110659168826},{"text":"Yeah.","start":1201.43,"end":1201.93,"sentiment":"neutral","sentiment_score":0.02465077303349972},{"text":"Yeah.","start":1223.145,"end":1223.645,"sentiment":"neutral","sentiment_score":-0.06176360324025154},{"text":"No.","start":1228.75,"end":1229.25,"sentiment":"neutral","sentiment_score":-0.059756867587566376}],"sentiment":"neutral","sentiment_score":0.00559360790066421,"num_words":20,"start":1186.1649,"end":1229.25},{"sentences":[{"text":"114.","start":1311.19,"end":1312.09,"sentiment":"neutral","sentiment_score":0.0044513875618577},{"text":"Beautiful.","start":1312.23,"end":1312.73,"sentiment":"positive","sentiment_score":0.430714339017868},{"text":"So So if I look out so, realistically, with income protection, you can be covered up to 70% of your pretax income.","start":1331.765,"end":1339.35,"sentiment":"neutral","sentiment_score":0.148525248196992},{"text":"If we're working on just your pay, 114,000, that means realistically, we need to look at a, like, a gross monthly benefit of 6,650.","start":1339.73,"end":1355.865,"sentiment":"neutral","sentiment_score":0.06357183229799072},{"text":"Did you want me to look at the income protection and see if I could maybe get that for you and see what it looks like?","start":1356.405,"end":1366.34,"sentiment":"neutral","sentiment_score":0.07397444646518964}],"sentiment":"neutral","sentiment_score":0.09664568608324672,"num_words":74,"start":1311.19,"end":1366.34},{"sentences":[{"text":"Yep.","start":1367.38,"end":1367.86,"sentiment":"neutral","sentiment_score":0.11879128217697144},{"text":"Yeah.","start":1367.86,"end":1368.18,"sentiment":"neutral","sentiment_score":0.19138240814208984},{"text":"Absolutely.","start":1368.18,"end":1368.68,"sentiment":"neutral","sentiment_score":0.2431066930294037},{"text":"Well, what I'll do because there's there's some things I would like to do, you see for as well, so an alteration of some of the investments there for you to kinda keep working harder.","start":1368.74,"end":1376.415,"sentiment":"neutral","sentiment_score":0.03470152201397078},{"text":"So I can go back and do the research on the insurances.","start":1376.795,"end":1379.295,"sentiment":"neutral","sentiment_score":0.0419281671444575}],"sentiment":"neutral","sentiment_score":0.04541943319141865,"num_words":50,"start":1367.38,"end":1379.295},{"sentences":[{"text":"I can always make a recommendation if I can find, you know, a more appropriate cover that covers your needs.","start":1379.435,"end":1385.755,"sentiment":"neutral","sentiment_score":0.12222740314900875},{"text":"I can always make that recommendation as part of the advice and show you what that looks like.","start":1385.755,"end":1390.335,"sentiment":"neutral","sentiment_score":0.26059262868430877},{"text":"Any advice that you provide is just advice, and then you get to decide whether you wanna take that or not.","start":1390.89,"end":1395.6901,"sentiment":"neutral","sentiment_score":0.10637377220250312},{"text":"Does that sound okay?","start":1395.6901,"end":1396.75,"sentiment":"neutral","sentiment_score":0.1211002804338932},{"text":"Yeah.","start":1400.01,"end":1400.41,"sentiment":"neutral","sentiment_score":0.24002401530742645}],"sentiment":"neutral","sentiment_score":0.15771077707177028,"num_words":64,"start":1379.435,"end":1400.41},{"sentences":[{"text":"Beautiful.","start":1400.41,"end":1400.91,"sentiment":"positive","sentiment_score":0.43599316477775574},{"text":"Now on the bottom of that, you can see with the income protection, you've got a ninety day waiting period and a two year benefit period.","start":1401.4501,"end":1407.615,"sentiment":"neutral","sentiment_score":0.049677326988715395},{"text":"That essentially means that you'd have to be off work the ninety days prior to making a claim and a two year benefit period so you can be on a claim for up to two years.","start":1407.615,"end":1416.115,"sentiment":"neutral","sentiment_score":0.03320416655494935},{"text":"With your occupation, getting a lower waiting period could be very tough.","start":1416.9801,"end":1421.9401,"sentiment":"neutral","sentiment_score":-0.2621600230534871},{"text":"I know with the other insurers out there with your occupation, some of them do have a minimum ninety day waiting period.","start":1421.9401,"end":1428.5801,"sentiment":"neutral","sentiment_score":0.003919479098509659}],"sentiment":"neutral","sentiment_score":-0.001409670866104131,"num_words":97,"start":1400.41,"end":1428.5801},{"sentences":[{"text":"Are you comfortable with that kind of waiting period?","start":1428.5801,"end":1430.8401,"sentiment":"neutral","sentiment_score":-0.016757524779273406},{"text":"Yes.","start":1435.125,"end":1435.4451,"sentiment":"neutral","sentiment_score":0.2726763188838959},{"text":"Beautiful.","start":1435.4451,"end":1435.9451,"sentiment":"positive","sentiment_score":0.6140914559364319},{"text":"And with the two year benefit period, it just means that you can be on a claim for up to two years.","start":1436.005,"end":1440.3251,"sentiment":"neutral","sentiment_score":0.17656473070383072},{"text":"So if you're on an income protection claim, and at that two year mark, still can't go back to work.","start":1440.3251,"end":1446.56,"sentiment":"neutral","sentiment_score":0.002008811547420919}],"sentiment":"neutral","sentiment_score":0.08793491241961436,"num_words":53,"start":1428.5801,"end":1446.56},{"sentences":[{"text":"It does mean that the income protection claim will stop regardless.","start":1446.56,"end":1449.62,"sentiment":"neutral","sentiment_score":0.021960368549281902},{"text":"Did you are you happy with two years to try and keep the policy cheaper, or did you wanna look at a longer benefit period?","start":1449.76,"end":1456.5,"sentiment":"neutral","sentiment_score":0.04659031249582767},{"text":"Two years?","start":1462.0951,"end":1462.8151,"sentiment":"neutral","sentiment_score":0.014527478255331516},{"text":"Not a problem at all.","start":1462.8151,"end":1463.935,"sentiment":"neutral","sentiment_score":0.1559863954782486},{"text":"Beautiful.","start":1463.935,"end":1464.435,"sentiment":"positive","sentiment_score":0.5774005651473999}],"sentiment":"neutral","sentiment_score":0.06347066739743407,"num_words":44,"start":1446.56,"end":1464.435},{"sentences":[{"text":"Well, I will go back and do the the research there for you.","start":1464.8151,"end":1467.6951,"sentiment":"neutral","sentiment_score":0.30624608580882734},{"text":"Before the end of the call, I'll just book in a time for my colleagues to go through a pre assessment with you, and then I'll go back and do the research to go out to market and see what we can find.","start":1467.6951,"end":1476.5399,"sentiment":"neutral","sentiment_score":0.17481347485337145},{"text":"And I can update the advice to reflect and show you what it looks like as a whole.","start":1476.5399,"end":1480.48,"sentiment":"neutral","sentiment_score":0.22001763764354917},{"text":"And then it'll also have the advantages, the disadvantages, the risks involved, and any alternatives we've also considered.","start":1481.1799,"end":1487.12,"sentiment":"neutral","sentiment_score":0.09980607736441824},{"text":"And then you get to decide whether you wanna take the advice or not.","start":1487.845,"end":1490.725,"sentiment":"neutral","sentiment_score":0.060635446038629325}],"sentiment":"neutral","sentiment_score":0.1707915249895656,"num_words":106,"start":1464.8151,"end":1490.725},{"sentences":[{"text":"How does that sound?","start":1490.725,"end":1491.705,"sentiment":"neutral","sentiment_score":0.08295077830553055},{"text":"Beautiful.","start":1495.5249,"end":1496.0249,"sentiment":"positive","sentiment_score":0.547950267791748},{"text":"Fantastic.","start":1496.1649,"end":1496.6649,"sentiment":"positive","sentiment_score":0.5422679781913757},{"text":"Emma, if you move to the next document for me, the next one along oh, sorry.","start":1497.2849,"end":1500.8049,"sentiment":"neutral","sentiment_score":0.14226668269839138},{"text":"Before you do, I just have to have to double check.","start":1500.8049,"end":1503.15,"sentiment":"neutral","sentiment_score":-0.00041454386982050807}],"sentiment":"neutral","sentiment_score":0.11193116060034795,"num_words":33,"start":1490.725,"end":1503.15},{"sentences":[{"text":"There are other types of insurances that you can also have that are paid outside of super, like trauma.","start":1503.31,"end":1508.85,"sentiment":"neutral","sentiment_score":0.007492027196444963},{"text":"Are you open or wanting to look at any additional covers, or are you just happy with the life of keeping in the income protection?","start":1509.39,"end":1515.17,"sentiment":"neutral","sentiment_score":0.017727395668625832},{"text":"Sorry about that.","start":1515.23,"end":1516.2101,"sentiment":"neutral","sentiment_score":-0.1103609949350357},{"text":"Yep.","start":1523.325,"end":1523.8049,"sentiment":"neutral","sentiment_score":0.16826122999191284},{"text":"Perfect.","start":1523.8049,"end":1524.3049,"sentiment":"positive","sentiment_score":0.3826640844345093}],"sentiment":"neutral","sentiment_score":0.016436239552437042,"num_words":49,"start":1503.31,"end":1524.3049},{"sentences":[{"text":"Not a problem.","start":1524.365,"end":1525.085,"sentiment":"neutral","sentiment_score":0.27246853709220886},{"text":"I'll scrape that trauma and any additional personal insurance.","start":1525.085,"end":1528.38,"sentiment":"neutral","sentiment_score":0.18550051748752594},{"text":"We'll just focus on what you've got and how we can make that work for you.","start":1528.38,"end":1531.74,"sentiment":"positive","sentiment_score":0.370018782094121},{"text":"Beautiful.","start":1531.74,"end":1532.24,"sentiment":"positive","sentiment_score":0.553302526473999},{"text":"Excellent.","start":1534.14,"end":1534.64,"sentiment":"positive","sentiment_score":0.5066255331039429}],"sentiment":"neutral","sentiment_score":0.3155712947249413,"num_words":30,"start":1524.365,"end":1534.64},{"sentences":[{"text":"Now the next page is your is your have 24 internal rate of return.","start":1535.18,"end":1539.82,"sentiment":"neutral","sentiment_score":0.21786599712712423},{"text":"So it's showing you the performance and how your investments have performed for the year.","start":1539.82,"end":1543.635,"sentiment":"neutral","sentiment_score":0.2535527490079403},{"text":"This year, we have seen a lot of ups and downs and volatility with the market there, but as of late, it has sort of smoothed out quite significantly.","start":1543.875,"end":1551.015,"sentiment":"neutral","sentiment_score":-0.0721098409387572},{"text":"If you're looking at the first page there, you'll see that majority and if you look at the second last column, it's showing you how they've all performed as an internal rate of return, and most things are performing quite nicely.","start":1552.035,"end":1563.48,"sentiment":"neutral","sentiment_score":0.19627891362803737},{"text":"It's more just this Australian equity component at the very top there.","start":1563.94,"end":1567.22,"sentiment":"neutral","sentiment_score":-0.02236225436596821}],"sentiment":"neutral","sentiment_score":0.11298484877507026,"num_words":111,"start":1535.18,"end":1567.22},{"sentences":[{"text":"So the ban along Australian equity's investment, that has some underlying issues, and it has been underperforming a little bit.","start":1567.22,"end":1574.115,"sentiment":"negative","sentiment_score":-0.43061105757951734},{"text":"I had a look at this prior to the call.","start":1574.355,"end":1576.115,"sentiment":"neutral","sentiment_score":-0.30134188532829287},{"text":"I definitely wanna look at removing that from your portfolio now.","start":1576.115,"end":1579.075,"sentiment":"negative","sentiment_score":-0.348767261613499},{"text":"So, normally, we are a bit hesitant about making rash changes to a portfolio when there's an investment underperforming.","start":1579.075,"end":1584.695,"sentiment":"neutral","sentiment_score":-0.2752063839059127},{"text":"But the way I sort of look at this is I consider that against the rest of the Australian market.","start":1585.5549,"end":1590.09,"sentiment":"neutral","sentiment_score":-0.11674419399350881}],"sentiment":"neutral","sentiment_score":-0.28782356320880353,"num_words":80,"start":1567.22,"end":1590.09},{"sentences":[{"text":"You've also got in your portfolio.","start":1590.73,"end":1592.6699,"sentiment":"neutral","sentiment_score":-0.07711037620902061},{"text":"You had no.","start":1594.33,"end":1597.2899,"sentiment":"neutral","sentiment_score":-0.10661013672749202},{"text":"You don't.","start":1597.2899,"end":1597.69,"sentiment":"neutral","sentiment_score":-0.13350600749254227},{"text":"This is much of an older portfolio.","start":1597.69,"end":1599.3099,"sentiment":"neutral","sentiment_score":-0.1286478489637375},{"text":"But you've also got into the S and P 500, which is up over 9% for the year on its own, which is sort of the one, two, three, four, five, six down there.","start":1600.09,"end":1609.985,"sentiment":"neutral","sentiment_score":0.01846828013110687}],"sentiment":"neutral","sentiment_score":-0.025425348090581022,"num_words":52,"start":1590.73,"end":1609.985},{"sentences":[{"text":"That investment has done really well, and the rest of the Australian market tends to follow along with suit of the S and P 500 and with The US market.","start":1610.365,"end":1618.045,"sentiment":"neutral","sentiment_score":0.2034696750342846},{"text":"We tend to follow suit with everything that happens.","start":1618.045,"end":1620.465,"sentiment":"neutral","sentiment_score":0.06408828786677784},{"text":"The Australian market as a whole is doing quite well at the moment.","start":1621.64,"end":1624.6,"sentiment":"neutral","sentiment_score":0.21551432460546494},{"text":"So to see this investment down pretty heavily and sort of have a look into the investment itself, and it's not got to do with the market for the ups and downs that we are seeing.","start":1624.6,"end":1633.58,"sentiment":"neutral","sentiment_score":-0.2352528983934058},{"text":"Unfortunately, the Benelon investment manager hasn't been able to do its job.","start":1633.845,"end":1637.605,"sentiment":"negative","sentiment_score":-0.5210361753900846}],"sentiment":"neutral","sentiment_score":-0.05238967385143042,"num_words":100,"start":1610.365,"end":1637.605},{"sentences":[{"text":"It hasn't been able to outperform against the market, and they've had some underlying issues with some of the investments they're invested in.","start":1637.605,"end":1644.1849,"sentiment":"negative","sentiment_score":-0.42547477457834326},{"text":"So I've made a decision to talk to you about this today, and I definitely wanna look at removing that investment now.","start":1644.8049,"end":1650.7001,"sentiment":"neutral","sentiment_score":-0.2755169563672759},{"text":"I do not think there is a chance it could come back, but I do not think it's gonna be for some time.","start":1650.76,"end":1656.06,"sentiment":"negative","sentiment_score":-0.44230644340100495},{"text":"And I think holding that any longer is just gonna provide.","start":1656.12,"end":1659.5,"sentiment":"neutral","sentiment_score":-0.29956665906039154},{"text":"Is not gonna sort of help your portfolio in any way, shape, or form.","start":1659.945,"end":1663.1649,"sentiment":"negative","sentiment_score":-0.6007399750607354}],"sentiment":"negative","sentiment_score":-0.4056552038077385,"num_words":93,"start":1637.605,"end":1663.1649},{"sentences":[{"text":"So if you're comfortable, I would love to remove that from your portfolio quickly.","start":1663.7849,"end":1667.5449,"sentiment":"neutral","sentiment_score":-0.18848281247275217},{"text":"I'd love to replace it with something else and keep your portfolio working harder for you.","start":1667.5449,"end":1671.72,"sentiment":"neutral","sentiment_score":0.07331944862380624},{"text":"Does that make sense?","start":1671.72,"end":1672.6,"sentiment":"neutral","sentiment_score":0.07172844372689724},{"text":"And do you have any questions?","start":1672.6,"end":1673.9,"sentiment":"neutral","sentiment_score":0.03922455757856369},{"text":"Yes.","start":1678.12,"end":1678.62,"sentiment":"positive","sentiment_score":0.3794317841529846}],"sentiment":"neutral","sentiment_score":-0.013755007124528653,"num_words":41,"start":1663.7849,"end":1678.62},{"sentences":[{"text":"Perfect.","start":1678.76,"end":1679.26,"sentiment":"positive","sentiment_score":0.6081463098526001},{"text":"Excellent.","start":1679.48,"end":1679.98,"sentiment":"positive","sentiment_score":0.5513875484466553},{"text":"Now one of the things we do wanna look at and why we sort of have to have the conversation with you before we do make these sort of changes is there are different ways to investing.","start":1680.44,"end":1688.895,"sentiment":"neutral","sentiment_score":0.04087754399389834},{"text":"Essentially, when I have a look at the way you're invested within your super fund at the moment, you are in more of oh, sorry.","start":1689.755,"end":1697.055,"sentiment":"neutral","sentiment_score":-0.043445114847272634},{"text":"More of a growth kind of setting.","start":1697.1951,"end":1698.875,"sentiment":"neutral","sentiment_score":-0.09693987561123711}],"sentiment":"neutral","sentiment_score":0.012778816698774906,"num_words":71,"start":1678.76,"end":1698.875},{"sentences":[{"text":"And this is a very much an older portfolio.","start":1698.875,"end":1700.9501,"sentiment":"neutral","sentiment_score":-0.1771058647169007},{"text":"Something has been in for quite some time there.","start":1700.9501,"end":1702.9501,"sentiment":"neutral","sentiment_score":-0.17131370140446556},{"text":"So it does definitely need to be updated now.","start":1702.9501,"end":1705.29,"sentiment":"neutral","sentiment_score":-0.1025699923435847},{"text":"Within the growth environment within a super fund, you are invested generally about 80% in growth assets.","start":1705.67,"end":1711.5901,"sentiment":"neutral","sentiment_score":-0.027015762732309455},{"text":"So thinking things like Australian shares, international shares, listed property, and commodities, and then about 20% in lower risk defensive investments in cash, bonds, and fixed interest.","start":1711.5901,"end":1721.875,"sentiment":"neutral","sentiment_score":0.002465415470026157}],"sentiment":"neutral","sentiment_score":-0.0626987010555368,"num_words":71,"start":1698.875,"end":1721.875},{"sentences":[{"text":"A growth investor is looking to get strong or has a strong, preference for growth, so you that's why you take a bit more risk to have those higher growth investments.","start":1722.495,"end":1730.84,"sentiment":"neutral","sentiment_score":-0.052936643722557256},{"text":"You're still happy to sort of go through the ups and downs within the market, and this sort of portfolio is tracking you're trying to obtain around about a seven to 9% on a yearly basis and compounding that forward.","start":1731.46,"end":1742.945,"sentiment":"neutral","sentiment_score":0.08595894486643374},{"text":"With the volatility, so we understand that markets go up and down within that growth environment.","start":1743.485,"end":1748.5449,"sentiment":"neutral","sentiment_score":-0.11317853163927794},{"text":"You can expect on a good year anywhere up to 11% above the nine and a bad year where market are down, anywhere up to 11% below the 7%.","start":1748.605,"end":1760.24,"sentiment":"neutral","sentiment_score":-0.2014902108188333},{"text":"That's that's the market volatility.","start":1761.4199,"end":1762.8999,"sentiment":"neutral","sentiment_score":-0.1716330498456955}],"sentiment":"neutral","sentiment_score":-0.05549517380119848,"num_words":121,"start":1722.495,"end":1762.8999},{"sentences":[{"text":"You can see those highs and lows around that seven to 9%.","start":1762.8999,"end":1766.24,"sentiment":"neutral","sentiment_score":-0.14622577155629793},{"text":"In this sort of environment, we expect a negative return of one every five years.","start":1766.615,"end":1770.9551,"sentiment":"neutral","sentiment_score":-0.3212490091721217},{"text":"With that investment within Van Alarm there, that's more of an actively managed fund.","start":1772.055,"end":1776.535,"sentiment":"neutral","sentiment_score":-0.1585391658757414},{"text":"So you take a little bit more risk to have the active manager in there.","start":1776.535,"end":1779.655,"sentiment":"neutral","sentiment_score":-0.15376190145810445},{"text":"They're trying to outperform against the market.","start":1779.655,"end":1781.8351,"sentiment":"neutral","sentiment_score":-0.12648162884371622}],"sentiment":"neutral","sentiment_score":-0.19023480384595812,"num_words":63,"start":1762.8999,"end":1781.8351},{"sentences":[{"text":"Do you feel moving forward you would still like to have more of an active manager in your fund, or would you like me to focus on lowering the cost and put something in there more passively managed and lower risk?","start":1782.3401,"end":1793.7201,"sentiment":"neutral","sentiment_score":0.0814605364803134},{"text":"How would you like to see your portfolio form?","start":1794.1001,"end":1796.68,"sentiment":"neutral","sentiment_score":0.0379534134020408},{"text":"Yeah.","start":1804.4249,"end":1804.9249,"sentiment":"neutral","sentiment_score":0.009442535229027271},{"text":"Yeah.","start":1805.225,"end":1805.725,"sentiment":"neutral","sentiment_score":0.0012001032009720802},{"text":"Yeah.","start":1809.785,"end":1810.285,"sentiment":"neutral","sentiment_score":0.043791741132736206}],"sentiment":"neutral","sentiment_score":0.07048862445045193,"num_words":53,"start":1782.3401,"end":1810.285},{"sentences":[{"text":"Yeah.","start":1811.065,"end":1811.565,"sentiment":"neutral","sentiment_score":0.1874282956123352},{"text":"Yeah.","start":1816.22,"end":1816.54,"sentiment":"neutral","sentiment_score":0.08922982960939407},{"text":"Yep.","start":1816.54,"end":1817.04,"sentiment":"neutral","sentiment_score":0.08875197172164917},{"text":"Well, I've the growth environment definitely fits your agent age because you're essentially the same age as me.","start":1821.1,"end":1829.235,"sentiment":"neutral","sentiment_score":0.04924442908830113},{"text":"So we have the same time frame before accessing our super.","start":1829.235,"end":1832.215,"sentiment":"neutral","sentiment_score":0.05965969982472333}],"sentiment":"neutral","sentiment_score":0.059627078706398606,"num_words":32,"start":1811.065,"end":1832.215},{"sentences":[{"text":"What I would sort of look at and what I can look at if you're comfortable, I do have an option to replace that investment with something a bit more diversified, more of a passively managed investment.","start":1833.1549,"end":1842.36,"sentiment":"neutral","sentiment_score":0.12871878876073942},{"text":"So it lowers the risk.","start":1842.6,"end":1844.04,"sentiment":"neutral","sentiment_score":0.3025806754827499},{"text":"It's also cheaper for your portfolio.","start":1844.04,"end":1845.74,"sentiment":"positive","sentiment_score":0.38943251470724743},{"text":"But I also have a portfolio where it incorporates a little bit of active management.","start":1847.16,"end":1851.74,"sentiment":"neutral","sentiment_score":0.23770940005779267},{"text":"It's only a small amount.","start":1852.12,"end":1853.4,"sentiment":"neutral","sentiment_score":0.2576305061578751}],"sentiment":"neutral","sentiment_score":0.19802775266854203,"num_words":68,"start":1833.1549,"end":1853.4},{"sentences":[{"text":"It's still also cheaper to hold, and it's still gonna reduce the investment cost of your current fund, which means more money stays invested in your super long term.","start":1853.4,"end":1862.415,"sentiment":"positive","sentiment_score":0.3788333550609391},{"text":"Are you happy if I maybe go a happy medium for you, have a little bit of active management, but mostly index funds and low cost investments that provide greater diversification.","start":1862.715,"end":1873.32,"sentiment":"neutral","sentiment_score":0.26039586480586757},{"text":"It'll still keep you in that growth kind of environment where you are taking more risk, but it's also within the fund diversifying as much as possible to control as much of the risk as as humanly possible.","start":1874.26,"end":1886.385,"sentiment":"neutral","sentiment_score":0.21900515297525808},{"text":"Yeah.","start":1889.8049,"end":1890.3049,"sentiment":"neutral","sentiment_score":0.27331578731536865},{"text":"Sounds good.","start":1891.645,"end":1892.285,"sentiment":"positive","sentiment_score":0.5609644055366516}],"sentiment":"neutral","sentiment_score":0.28490969819007533,"num_words":101,"start":1853.4,"end":1892.285},{"sentences":[{"text":"Beautiful.","start":1892.285,"end":1892.785,"sentiment":"positive","sentiment_score":0.7001017332077026},{"text":"I've got some good options there.","start":1893.565,"end":1894.845,"sentiment":"positive","sentiment_score":0.5610346297423044},{"text":"So I'll go back and complete the research, and I'll come up with an advice document.","start":1894.845,"end":1897.965,"sentiment":"positive","sentiment_score":0.34396624751389027},{"text":"It shows you what we're gonna look at and how it'll look for you, and then you get to take it away and have a good read of the document.","start":1897.965,"end":1904.79,"sentiment":"neutral","sentiment_score":0.318251604338487},{"text":"Okay?","start":1904.93,"end":1905.43,"sentiment":"neutral","sentiment_score":0.15416359901428223}],"sentiment":"positive","sentiment_score":0.3568792815009753,"num_words":54,"start":1892.285,"end":1905.43},{"sentences":[{"text":"Excellent.","start":1908.13,"end":1908.63,"sentiment":"neutral","sentiment_score":0.05112018808722496},{"text":"Now if you go to the next page, this year, as you kinda mentioned, you've seen a lot of the ups and downs of volatility.","start":1908.6901,"end":1914.335,"sentiment":"neutral","sentiment_score":-0.12445600785315036},{"text":"It can make a lot of people quite nervous.","start":1914.395,"end":1916.335,"sentiment":"negative","sentiment_score":-0.443841599755817},{"text":"While your portfolio while Benelon has kinda had an effect and obviously held your portfolio back a little bit, it still has come out with a positive return.","start":1916.955,"end":1925.2949,"sentiment":"neutral","sentiment_score":0.06627691244440419},{"text":"So it is lower than where I would like to proceed for the year.","start":1925.355,"end":1928.3501,"sentiment":"neutral","sentiment_score":-0.1411258237702506}],"sentiment":"neutral","sentiment_score":-0.09318003104394906,"num_words":77,"start":1908.13,"end":1928.3501},{"sentences":[{"text":"A lot of that is because of the family long investment above that.","start":1928.3501,"end":1931.5701,"sentiment":"neutral","sentiment_score":0.1712856711103366},{"text":"You've returned about a 4.27% return net of fees.","start":1931.87,"end":1935.63,"sentiment":"neutral","sentiment_score":0.2815859003199471},{"text":"That's after fees.","start":1935.63,"end":1936.67,"sentiment":"neutral","sentiment_score":0.2315621624390284},{"text":"It's still a positive return.","start":1936.67,"end":1938.2101,"sentiment":"positive","sentiment_score":0.5490106105804443},{"text":"When you think of that positive return, it's actually made your earnings and grosses in the fund of $18,407.","start":1939.025,"end":1945.6649,"sentiment":"positive","sentiment_score":0.4328691559402566}],"sentiment":"positive","sentiment_score":0.33520898633465473,"num_words":49,"start":1928.3501,"end":1945.6649},{"sentences":[{"text":"So it is lower than where I'd like to expect.","start":1945.6649,"end":1947.9049,"sentiment":"neutral","sentiment_score":-0.1962703675031662},{"text":"I definitely wanna alter the portfolio to keep it working harder and build on that for you, but acknowledging the fact that this year hasn't been as good a year, and the return is definitely lower than where I would like to see for you for the year as well.","start":1947.9049,"end":1960.1,"sentiment":"neutral","sentiment_score":-0.07321584567427636},{"text":"Perfect.","start":1963.4401,"end":1963.9401,"sentiment":"positive","sentiment_score":0.4420889914035797},{"text":"I know there's a lot to go through.","start":1964.56,"end":1965.92,"sentiment":"neutral","sentiment_score":0.16421282291412354},{"text":"Do you have any questions about the portfolio, about anything I've kinda touched on?","start":1965.92,"end":1970.095,"sentiment":"neutral","sentiment_score":0.06859445545290198}],"sentiment":"neutral","sentiment_score":-0.03502869888781065,"num_words":83,"start":1945.6649,"end":1970.095},{"sentences":[{"text":"Or no?","start":1970.095,"end":1974.195,"sentiment":"neutral","sentiment_score":0.00009982101619243535},{"text":"Excellent.","start":1974.575,"end":1975.075,"sentiment":"positive","sentiment_score":0.46612969040870667},{"text":"The next document along is the Vanguard index chart.","start":1975.855,"end":1978.655,"sentiment":"neutral","sentiment_score":0.16004229336977005},{"text":"I've been pretty sure we've shown you a couple of these in the past.","start":1978.655,"end":1981.5,"sentiment":"neutral","sentiment_score":0.20506926838840758},{"text":"It does kinda show you a guide as to how we how and why we invest the way we do in the market.","start":1981.74,"end":1986.62,"sentiment":"neutral","sentiment_score":0.2620082018168076}],"sentiment":"neutral","sentiment_score":0.2204871096325164,"num_words":49,"start":1970.095,"end":1986.62},{"sentences":[{"text":"So looking at the side there, you've got sorry.","start":1986.62,"end":1991.02,"sentiment":"neutral","sentiment_score":-0.0023025328086482156},{"text":"My computer is just flashing at me.","start":1991.02,"end":1992.88,"sentiment":"neutral","sentiment_score":-0.14721335577113287},{"text":"You've got your growth investment.","start":1992.94,"end":1994.4,"sentiment":"neutral","sentiment_score":0.019739851960912345},{"text":"So US shares, Australian shares, international shares, and listed property.","start":1994.46,"end":1998.265,"sentiment":"neutral","sentiment_score":0.062456981465220454},{"text":"And you can sort of see there that they do get the higher rates of return, but they are also the ones that increase in value and decrease the downtime as well.","start":1998.265,"end":2006.6649,"sentiment":"neutral","sentiment_score":0.007116926717571914}],"sentiment":"neutral","sentiment_score":-0.0015905643850269299,"num_words":63,"start":1986.62,"end":2006.6649},{"sentences":[{"text":"So they're the ones that fluctuate and provide volatility, which does make us quite nervous.","start":2006.6649,"end":2011.0599,"sentiment":"neutral","sentiment_score":-0.1358696075777213},{"text":"But when we do have a good time horizon ahead of us, so anywhere over, say, six to ten years, being having more of these growth investments is where we see the higher rates of return.","start":2011.36,"end":2021.7799,"sentiment":"neutral","sentiment_score":0.1535790342734092},{"text":"What I would not wanna see is have you about, you know, five or six years out from accessing your super and still taking a higher level of risk in the market.","start":2022.1549,"end":2030.1749,"sentiment":"negative","sentiment_score":-0.5794259114190936},{"text":"In those instances, we wanna kind of pull things back quite significantly and have more defensive investments of things like cash and bonds and fixed interest there.","start":2030.475,"end":2039.36,"sentiment":"neutral","sentiment_score":-0.25738517388149545},{"text":"Throughout even in retirement, we still wanna have some growth assets, but it's about assessing your risk level and investing within the comfort level so you have a degree of growth in your portfolio, but then also some income production as well.","start":2040.06,"end":2054.135,"sentiment":"neutral","sentiment_score":0.23812225744837806}],"sentiment":"neutral","sentiment_score":-0.07894140083685909,"num_words":152,"start":2006.6649,"end":2054.135},{"sentences":[{"text":"And that's why we also get some good advantages is we wanna get income from those investments.","start":2054.135,"end":2059.835,"sentiment":"positive","sentiment_score":0.6035590049098519},{"text":"We wanna have dividends that are being paid when it comes to bonds and fixed interest.","start":2059.8948,"end":2064.3298,"sentiment":"positive","sentiment_score":0.48349641263484955},{"text":"We want income coming out of those that gets paid into your cash account and then reinvested back for compounding effect essentially.","start":2064.3298,"end":2071.39,"sentiment":"positive","sentiment_score":0.4041263081810691},{"text":"So that's how we sort of wanna see things.","start":2071.45,"end":2073.53,"sentiment":"neutral","sentiment_score":0.10322823375463486},{"text":"It's about adjusting the risk level as you become less comfortable with the risk you're taking realistically up until about five to six years away from accessing paper.","start":2073.53,"end":2083.4749,"sentiment":"neutral","sentiment_score":-0.21140719843762262}],"sentiment":"neutral","sentiment_score":0.2380095327515965,"num_words":92,"start":2054.135,"end":2083.4749},{"sentences":[{"text":"Being in the growth environment is absolutely fine for you, but anywhere beyond that, I'd be trying to sort of coax you to reduce your risk level a little bit, trying to guide you back there.","start":2083.615,"end":2093.8599,"sentiment":"neutral","sentiment_score":0.09662854588694042},{"text":"Does that make sense?","start":2093.92,"end":2094.98,"sentiment":"neutral","sentiment_score":0.038137189112603664},{"text":"Yeah.","start":2097.5198,"end":2097.92,"sentiment":"neutral","sentiment_score":0.11089658737182616},{"text":"Beautiful.","start":2097.92,"end":2098.42,"sentiment":"neutral","sentiment_score":0.3060382008552551},{"text":"Property market.","start":2109.135,"end":2110.1948,"sentiment":"neutral","sentiment_score":-0.11652432382106781}],"sentiment":"neutral","sentiment_score":0.08670596702193673,"num_words":44,"start":2083.615,"end":2110.1948},{"sentences":[{"text":"Yep.","start":2110.335,"end":2110.835,"sentiment":"neutral","sentiment_score":-0.11271362751722336},{"text":"Yeah.","start":2114.255,"end":2114.755,"sentiment":"neutral","sentiment_score":-0.08522290736436844},{"text":"Absolutely.","start":2115.4548,"end":2115.9548,"sentiment":"neutral","sentiment_score":0.001954585313796997},{"text":"Yeah.","start":2116.575,"end":2116.895,"sentiment":"neutral","sentiment_score":-0.05878184363245964},{"text":"The housing market has had a bit of a downturn, and I believe Sydney and Melbourne were the first ones to see the downturn most recently.","start":2116.895,"end":2125.1099,"sentiment":"neutral","sentiment_score":-0.25906336364837795}],"sentiment":"neutral","sentiment_score":-0.23301370826860268,"num_words":30,"start":2110.335,"end":2125.1099},{"sentences":[{"text":"I'm just double checking the data.","start":2125.73,"end":2127.17,"sentiment":"neutral","sentiment_score":-0.18694828699032465},{"text":"They're showing me where it's up to at the moment.","start":2127.17,"end":2129.67,"sentiment":"neutral","sentiment_score":-0.14929353222250938},{"text":"But currently, looking at where we are, nationally, housing prices have dropped in August between 0.2 to 0.9%.","start":2130.69,"end":2140.425,"sentiment":"negative","sentiment_score":-0.3351109102368355},{"text":"Areas like Melbourne and Canberra have had dropped to the it has a 1%, and Sydney has had about a 1.4% drop in the last month on housing prices.","start":2141.365,"end":2151.23,"sentiment":"neutral","sentiment_score":-0.3153189377024256},{"text":"So there has definitely been a bit of a decrease with what happened and what was what came out with the new budget and the legislation changes there.","start":2151.2898,"end":2160.1099,"sentiment":"negative","sentiment_score":-0.39703003955738886}],"sentiment":"neutral","sentiment_score":-0.3176671618616188,"num_words":91,"start":2125.73,"end":2160.1099},{"sentences":[{"text":"But I think it just also needs to settle because people still need housing.","start":2161.2449,"end":2165.005,"sentiment":"neutral","sentiment_score":-0.22143091900008066},{"text":"There still is very much a high demand for housing, and people trying to get into the market for home buyers and whatnot.","start":2165.005,"end":2172.4448,"sentiment":"neutral","sentiment_score":-0.08530578891868176},{"text":"So I think it just needs time to settle.","start":2172.4448,"end":2174.7002,"sentiment":"neutral","sentiment_score":-0.20875609086619484},{"text":"It just needs time to go through this cycle and then come out the other side, but we will see recovery from that downside.","start":2174.76,"end":2182.22,"sentiment":"neutral","sentiment_score":-0.13815849336485067},{"text":"It's funny because over the last sort of, you know, ten to fifteen years, housing prices have basically not dropped at all.","start":2183.08,"end":2189.635,"sentiment":"neutral","sentiment_score":-0.2472153241661462}],"sentiment":"neutral","sentiment_score":-0.17060230218845865,"num_words":92,"start":2161.2449,"end":2189.635},{"sentences":[{"text":"You know?","start":2190.4949,"end":2191.055,"sentiment":"neutral","sentiment_score":-0.15348447859287262},{"text":"Since coming out of the DFC, housing prices have just skyrocketed bit by bit.","start":2191.055,"end":2196.175,"sentiment":"negative","sentiment_score":-0.3548178630215781},{"text":"So this kind of a fall was always gonna be inevitable.","start":2196.175,"end":2199.395,"sentiment":"negative","sentiment_score":-0.3906605839729309},{"text":"I mean, over the last five years, I've had people telling me property never dropped.","start":2199.535,"end":2203.23,"sentiment":"neutral","sentiment_score":-0.17713241676489513},{"text":"And I'm like, yes.","start":2203.23,"end":2203.71,"sentiment":"neutral","sentiment_score":-0.09857074171304703}],"sentiment":"neutral","sentiment_score":-0.2744120582938194,"num_words":46,"start":2190.4949,"end":2203.71},{"sentences":[{"text":"It does.","start":2203.71,"end":2204.27,"sentiment":"neutral","sentiment_score":-0.081914272159338},{"text":"It will happen.","start":2204.27,"end":2205.25,"sentiment":"neutral","sentiment_score":-0.16233778496583304},{"text":"It everything drops.","start":2205.79,"end":2207.23,"sentiment":"neutral","sentiment_score":-0.2995196481545766},{"text":"Everything has a cycle.","start":2207.23,"end":2208.53,"sentiment":"neutral","sentiment_score":-0.2327442169189453},{"text":"It's just about waiting for that cycle to hit.","start":2209.71,"end":2212.69,"sentiment":"neutral","sentiment_score":-0.2045909216006597}],"sentiment":"neutral","sentiment_score":-0.20579504789341063,"num_words":21,"start":2203.71,"end":2212.69},{"sentences":[{"text":"So we'll go through this down point.","start":2213.23,"end":2215.725,"sentiment":"neutral","sentiment_score":-0.12977935267346247},{"text":"I don't know how low it's gonna go.","start":2215.965,"end":2218.0452,"sentiment":"neutral","sentiment_score":-0.25217470712959766},{"text":"It just sort of comes down to how investors feel.","start":2218.0452,"end":2221.905,"sentiment":"neutral","sentiment_score":-0.093258535861969},{"text":"It's also about how the how investors understand the changes too because the changes to negative gearing and the CGT consequence is necessarily aren't all bad.","start":2222.605,"end":2232.75,"sentiment":"neutral","sentiment_score":-0.1608383059501648},{"text":"It's just about understanding why you want to have an investment property.","start":2232.75,"end":2236.9302,"sentiment":"neutral","sentiment_score":-0.1638184543699026}],"sentiment":"neutral","sentiment_score":-0.15882628399228294,"num_words":63,"start":2213.23,"end":2236.9302},{"sentences":[{"text":"Is your investment property currently negatively geared?","start":2237.55,"end":2240.77,"sentiment":"neutral","sentiment_score":-0.22899101035935537},{"text":"No.","start":2244.445,"end":2244.685,"sentiment":"neutral","sentiment_score":-0.2081608474254608},{"text":"That's okay.","start":2244.685,"end":2245.565,"sentiment":"neutral","sentiment_score":-0.09133118391036987},{"text":"So the other thing and what I've sort of been talking to people about is whether or not they just want to hold property for negatively gearing to help, you know, reduce overall tax, or are they hoping to have it for a longer term goal?","start":2245.565,"end":2258.72,"sentiment":"neutral","sentiment_score":-0.17244357550921646},{"text":"So there are still investors definitely in my area who are buying in the property, and whilst they can't negatively gear moving forward, they are buying it for capital growth.","start":2258.72,"end":2267.535,"sentiment":"neutral","sentiment_score":-0.02262832938383023}],"sentiment":"neutral","sentiment_score":-0.12331412375233201,"num_words":86,"start":2237.55,"end":2267.535},{"sentences":[{"text":"And taxes aren't always a bad thing if we understand the outcome we're after.","start":2268.015,"end":2272.355,"sentiment":"neutral","sentiment_score":-0.08381061947771482},{"text":"So, you know, buying an investment property, holding it for five or ten years, letting it increase in value, then selling it off, cementing the capital gain, putting aside the tax, and looking at what you have after the gain.","start":2272.9749,"end":2285.7002,"sentiment":"neutral","sentiment_score":0.0372788759181276},{"text":"Isn't necessarily always a bad thing, but it just comes down to what's important about holding property and why we're holding property and what we wanna achieve out of that property, to kind of work out whether it's a good idea or not and whether the cost or whether the taxation side of it is worthwhile as well.","start":2285.76,"end":2301.795,"sentiment":"neutral","sentiment_score":0.1809733942279528},{"text":"So, yeah, bit of a dip.","start":2301.795,"end":2304.4348,"sentiment":"neutral","sentiment_score":-0.06326706397036712},{"text":"It's not as bad as I would have thought in all honesty, and I don't think it's gonna have a huge dip because property is still a big thing.","start":2304.4348,"end":2312.8801,"sentiment":"neutral","sentiment_score":-0.11299740253337498}],"sentiment":"neutral","sentiment_score":0.04869208280250532,"num_words":147,"start":2268.015,"end":2312.8801},{"sentences":[{"text":"They still want property.","start":2313.18,"end":2314.54,"sentiment":"neutral","sentiment_score":-0.058054374530911446},{"text":"There's still a lot of first time buyers and people trying to get into the market.","start":2314.54,"end":2317.84,"sentiment":"neutral","sentiment_score":-0.05014357506297529},{"text":"I've got a lot of mortgage broker friends who keep telling me they're still really busy.","start":2317.9001,"end":2321.28,"sentiment":"neutral","sentiment_score":-0.12240841519087553},{"text":"So properties are still being purchased and assessed.","start":2321.6602,"end":2324.6401,"sentiment":"neutral","sentiment_score":-0.15777526888996363},{"text":"So I don't think Melbourne or Canberra or even Sydney, Brisbane have seen a a drop of just under 1% as as well.","start":2325.645,"end":2332.605,"sentiment":"neutral","sentiment_score":-0.18742553889751434}],"sentiment":"neutral","sentiment_score":-0.12785132668578802,"num_words":67,"start":2313.18,"end":2332.605},{"sentences":[{"text":"I don't really think these are going to be very heavy dips.","start":2332.605,"end":2335.725,"sentiment":"neutral","sentiment_score":-0.33282168209552765},{"text":"I just think it's a slight correction in the market at the moment.","start":2335.725,"end":2338.685,"sentiment":"neutral","sentiment_score":-0.30230224705659425},{"text":"That's all.","start":2338.685,"end":2342.15,"sentiment":"neutral","sentiment_score":-0.03173103742301464},{"text":"Yeah.","start":2342.45,"end":2342.69,"sentiment":"neutral","sentiment_score":-0.006670530419796705},{"text":"Did that answer your question?","start":2342.69,"end":2343.97,"sentiment":"neutral","sentiment_score":-0.010599888488650322}],"sentiment":"neutral","sentiment_score":-0.24384610438154955,"num_words":33,"start":2332.605,"end":2343.97},{"sentences":[{"text":"If yeah.","start":2343.97,"end":2346.95,"sentiment":"neutral","sentiment_score":0.005599780008196831},{"text":"Yeah.","start":2347.89,"end":2348.39,"sentiment":"neutral","sentiment_score":0.02651854231953621},{"text":"I got it.","start":2349.41,"end":2349.97,"sentiment":"neutral","sentiment_score":0.026067104811469715},{"text":"Do you plan yeah.","start":2349.97,"end":2351.4849,"sentiment":"neutral","sentiment_score":0.005532740615308285},{"text":"No.","start":2351.4849,"end":2351.565,"sentiment":"neutral","sentiment_score":-0.0592692457139492}],"sentiment":"neutral","sentiment_score":0.007161921228874813,"num_words":11,"start":2343.97,"end":2351.565},{"sentences":[{"text":"That's okay.","start":2351.565,"end":2352.285,"sentiment":"neutral","sentiment_score":-0.031031974591314793},{"text":"Do you plan on kinda keeping that long term to supplement safer, or do you think you'll plan on selling that down the track?","start":2352.285,"end":2357.565,"sentiment":"neutral","sentiment_score":-0.013721091983218988},{"text":"What's the sort of long term plan for it?","start":2357.565,"end":2359.665,"sentiment":"neutral","sentiment_score":-0.006853421529134114},{"text":"Yep.","start":2367.46,"end":2367.96,"sentiment":"neutral","sentiment_score":0.06928413361310959},{"text":"Yep.","start":2369.6199,"end":2370.1199,"sentiment":"neutral","sentiment_score":0.12205320596694946}],"sentiment":"neutral","sentiment_score":-0.00707334083681171,"num_words":37,"start":2351.565,"end":2370.1199},{"sentences":[{"text":"Beautiful.","start":2370.42,"end":2370.92,"sentiment":"positive","sentiment_score":0.5045934319496155},{"text":"Fantastic.","start":2371.22,"end":2371.72,"sentiment":"positive","sentiment_score":0.6222248077392578},{"text":"Excellent.","start":2372.18,"end":2372.68,"sentiment":"positive","sentiment_score":0.5533642768859863},{"text":"The next document in there is the financial service guide.","start":2373.8599,"end":2376.7148,"sentiment":"neutral","sentiment_score":0.18957276344299318},{"text":"It just outlines everything about who we are, what we do, and how we do it.","start":2376.7148,"end":2380.4749,"sentiment":"neutral","sentiment_score":0.18310397025197744}],"sentiment":"neutral","sentiment_score":0.22433012672539415,"num_words":29,"start":2370.42,"end":2380.4749},{"sentences":[{"text":"It's got a lovely, cosy photo of me in there and all my information as a licensed financial adviser and all the details on our services and fees and things like that for you.","start":2380.4749,"end":2389.535,"sentiment":"neutral","sentiment_score":0.26478569297229543},{"text":"The last document attached is the essentially, the financial fee agreement for the next twelve months there.","start":2390.25,"end":2396.57,"sentiment":"neutral","sentiment_score":0.10526697381454356},{"text":"So you are an ongoing service client.","start":2396.57,"end":2398.59,"sentiment":"neutral","sentiment_score":0.09024682960339955},{"text":"At the moment, our ongoing service is 1.65% per annum.","start":2398.8901,"end":2402.67,"sentiment":"neutral","sentiment_score":-0.010734207864152268},{"text":"Moving forward, that will change to more of a a dollar figure fee.","start":2403.145,"end":2406.185,"sentiment":"neutral","sentiment_score":-0.03466470310321221}],"sentiment":"neutral","sentiment_score":0.13414810745859013,"num_words":81,"start":2380.4749,"end":2406.185},{"sentences":[{"text":"It'll be tiered, essentially, once your balance and your balance is over that 200,000 threshold now.","start":2406.185,"end":2412.2852,"sentiment":"neutral","sentiment_score":-0.013010604645387502},{"text":"But as of next year, essentially, with a with a tiered structure, when your super balance hits over that $200,000 mark, it drops down to a lower tier.","start":2412.905,"end":2422.7,"sentiment":"neutral","sentiment_score":-0.1121410148085228},{"text":"And then as it increases in value, we it drops down to another tier after that after at certain point.","start":2422.8398,"end":2428.7,"sentiment":"neutral","sentiment_score":-0.12716247290372848},{"text":"Right now, we're not changing that.","start":2429.125,"end":2430.405,"sentiment":"neutral","sentiment_score":-0.20121702551841736},{"text":"That's all gonna come into play essentially as of the next fee agreement.","start":2430.405,"end":2434.245,"sentiment":"neutral","sentiment_score":0.057125347738082595}],"sentiment":"neutral","sentiment_score":-0.07657879734403421,"num_words":83,"start":2406.185,"end":2434.245},{"sentences":[{"text":"Right now, you're still on 1.65% per annum.","start":2434.245,"end":2436.985,"sentiment":"neutral","sentiment_score":0.17479243781417608},{"text":"It is deducted on monthly increments.","start":2437.685,"end":2439.925,"sentiment":"neutral","sentiment_score":0.22792275249958038},{"text":"It includes any additional advice that we provide in relation to super insurance and things like that.","start":2439.925,"end":2444.67,"sentiment":"neutral","sentiment_score":0.3055875161114861},{"text":"There's no implementation fees for any new advice.","start":2444.67,"end":2447.25,"sentiment":"neutral","sentiment_score":0.2493706177920103},{"text":"That's all inclusive of being an ongoing service client there.","start":2447.55,"end":2450.77,"sentiment":"positive","sentiment_score":0.5067991942167283}],"sentiment":"neutral","sentiment_score":0.3066085852226432,"num_words":49,"start":2434.245,"end":2450.77},{"sentences":[{"text":"Do you have any questions about the fee, how that works?","start":2451.15,"end":2453.95,"sentiment":"neutral","sentiment_score":0.10899598388509317},{"text":"Or yeah.","start":2453.95,"end":2458.5552,"sentiment":"neutral","sentiment_score":0.004806313663721085},{"text":"So with this yeah.","start":2463.175,"end":2464.935,"sentiment":"neutral","sentiment_score":0.002807352691888809},{"text":"Definitely.","start":2464.935,"end":2465.435,"sentiment":"neutral","sentiment_score":0.11727689206600188},{"text":"So with the fee structure, essentially, it'll go to a balance of 200,000.","start":2465.495,"end":2470.8552,"sentiment":"neutral","sentiment_score":0.042670781079393164}],"sentiment":"neutral","sentiment_score":0.06102564215900436,"num_words":31,"start":2451.15,"end":2470.8552},{"sentences":[{"text":"The fee structure will drop to 1.375.","start":2470.8552,"end":2473.98,"sentiment":"neutral","sentiment_score":-0.033354389880384715},{"text":"And then once your super balance hits the 500,000, it drops down further than that.","start":2474.12,"end":2478.86,"sentiment":"neutral","sentiment_score":-0.05470458815495173},{"text":"I kinda I can find it's in the financial services guide here.","start":2479.4001,"end":2483.4001,"sentiment":"neutral","sentiment_score":0.08307861567785342},{"text":"So it was all just, like, released the other week, and I've had to go back and find it to make sure I understand it correctly.","start":2483.4001,"end":2489.405,"sentiment":"neutral","sentiment_score":0.03924113692930685},{"text":"So the tiers look.","start":2491.305,"end":2494.825,"sentiment":"neutral","sentiment_score":0.03816508734598756}],"sentiment":"neutral","sentiment_score":0.017434746034268755,"num_words":64,"start":2470.8552,"end":2494.825},{"sentences":[{"text":"I wanna get you there as soon as I possibly can.","start":2494.825,"end":2497.4648,"sentiment":"neutral","sentiment_score":0.12662764029069382},{"text":"Not gonna lie.","start":2497.4648,"end":2498.525,"sentiment":"neutral","sentiment_score":0.01085179919997851},{"text":"So the tier structure was that is essentially zero to 200,000 is 1.65%.","start":2499.23,"end":2505.49,"sentiment":"neutral","sentiment_score":0.04563678084657742},{"text":"200,000 to 500,000 is 1.375.","start":2505.95,"end":2509.73,"sentiment":"neutral","sentiment_score":0.04511678367853165},{"text":"Once your balance is over 500,000 to a million, your fee drops to 1.10%, and then balances between 1 to 2,000,000 drops to 0.82825 point 825%.","start":2509.79,"end":2523.215,"sentiment":"neutral","sentiment_score":0.05460423646638027}],"sentiment":"neutral","sentiment_score":0.06317295962623481,"num_words":58,"start":2494.825,"end":2523.215},{"sentences":[{"text":"So each each time your balance increases up over a t, the amount you or the amount you pay for our ongoing services drops into the next year and it works down.","start":2523.835,"end":2535.0298,"sentiment":"neutral","sentiment_score":0.08603537373710424},{"text":"The way that will work so the other thing with the old fee structure is that we always sorta had an estimate because it was set on the a percentage based fee.","start":2535.25,"end":2542.7898,"sentiment":"neutral","sentiment_score":0.005672324215993285},{"text":"We will actually, moving forward, work out exactly what your fee is as per a dollar figure.","start":2543.0452,"end":2547.625,"sentiment":"neutral","sentiment_score":0.09772448789547472},{"text":"It will be a flat fee for the year, and so if your balance goes up, it means that fee will not change.","start":2547.7651,"end":2553.925,"sentiment":"neutral","sentiment_score":0.15253124774798102},{"text":"It's kind of also gonna give you a lot more certainty around the fee.","start":2553.925,"end":2557.08,"sentiment":"neutral","sentiment_score":0.19651326803224428}],"sentiment":"neutral","sentiment_score":0.09199463626590826,"num_words":118,"start":2523.835,"end":2557.08},{"sentences":[{"text":"We worked it out this year that your old fee structure worked out better for you based on your current balance, so we're keeping you on the old fee structure.","start":2557.6401,"end":2566.22,"sentiment":"neutral","sentiment_score":0.17588527090847492},{"text":"The new newer fee structure would be a little bit higher currently, but we'll sort of have a look at it next year and see how it works for you, and I'll show you what that looks like.","start":2566.6802,"end":2576.9949,"sentiment":"neutral","sentiment_score":0.10939641326273743},{"text":"But for now, we're still keeping it the same.","start":2576.9949,"end":2579.2349,"sentiment":"neutral","sentiment_score":0.07025923621323374},{"text":"Does that make sense?","start":2579.2349,"end":2580.115,"sentiment":"neutral","sentiment_score":0.07371153123676777},{"text":"Do you have additional questions?","start":2580.115,"end":2581.4949,"sentiment":"neutral","sentiment_score":0.003483760729432106}],"sentiment":"neutral","sentiment_score":0.12067697541571634,"num_words":86,"start":2557.6401,"end":2581.4949},{"sentences":[{"text":"No.","start":2584.275,"end":2584.53,"sentiment":"neutral","sentiment_score":0.059819430112838745},{"text":"Perfect.","start":2584.69,"end":2585.01,"sentiment":"positive","sentiment_score":0.35148492455482483},{"text":"All good.","start":2585.01,"end":2585.41,"sentiment":"positive","sentiment_score":0.3563694357872009},{"text":"We had to sort of make some changes.","start":2585.41,"end":2586.69,"sentiment":"neutral","sentiment_score":0.09519713651388884},{"text":"Our fees have never changed since we sort of opened up back in 2018, 2019.","start":2586.69,"end":2591.75,"sentiment":"neutral","sentiment_score":0.05053380007545153}],"sentiment":"neutral","sentiment_score":0.097912122943887,"num_words":27,"start":2584.275,"end":2591.75},{"sentences":[{"text":"But we've had to kind of update and make some changes to the fee structure so that it's still working for you guys as a client, but also because the cost of providing advice to legislation requirements and the same as with everyone, the cost of living and cost of running a business has increased as well.","start":2592.53,"end":2606.655,"sentiment":"neutral","sentiment_score":0.0790739267933787},{"text":"So we just wanted to make sure it was working properly and make sure we're looking after everybody, but also making sure that we can, you know, do provide our professional services and also charge the fee that we need you to do that, essentially.","start":2606.655,"end":2620.11,"sentiment":"neutral","sentiment_score":0.1633119500345654},{"text":"Yeah.","start":2623.85,"end":2624.35,"sentiment":"positive","sentiment_score":0.37086570262908936},{"text":"Easy.","start":2624.57,"end":2625.07,"sentiment":"positive","sentiment_score":0.4048033356666565},{"text":"That is essentially all the documents in the ongoing service or annual review path.","start":2625.845,"end":2630.7449,"sentiment":"neutral","sentiment_score":0.13561127547706878}],"sentiment":"neutral","sentiment_score":0.12313964808265031,"num_words":118,"start":2592.53,"end":2630.7449},{"sentences":[{"text":"If you can feel free to go back and have a good read through those.","start":2630.9648,"end":2633.4448,"sentiment":"neutral","sentiment_score":0.22659495274225872},{"text":"If you wanna stay on board with the client for the next twelve months, I will ask that you sign and return the ongoing service agreement back there for me.","start":2633.4448,"end":2640.1848,"sentiment":"neutral","sentiment_score":0.23568491290012997},{"text":"We will go back and do some updated advice to make sure things are working harder for you.","start":2641.2,"end":2645.76,"sentiment":"neutral","sentiment_score":0.26776474134789574},{"text":"One of the biggest things I do like to point out is that we do work on the best interest duties, so we do wanna make sure things are updated.","start":2645.76,"end":2651.6199,"sentiment":"neutral","sentiment_score":0.29668019264936446},{"text":"Having a look at your portfolio, it hasn't really been touched or updated in the past couple of years.","start":2652.16,"end":2656.495,"sentiment":"neutral","sentiment_score":0.13956656620690697}],"sentiment":"neutral","sentiment_score":0.2396554246411792,"num_words":112,"start":2630.9648,"end":2656.495},{"sentences":[{"text":"So it is definitely worth updating now.","start":2656.495,"end":2658.635,"sentiment":"positive","sentiment_score":0.501774149281638},{"text":"I'll reassess all those things for you to make sure that you're on track, that things are working harder, and I'll look at the insurances as well as the super the investment portfolio and see how we can lower fees, keep more money invested in your future working harder for you, but also boost your balance and make it as you know, get you as much as we possibly can over the next seventeen years towards your goals there.","start":2659.0151,"end":2681.68,"sentiment":"positive","sentiment_score":0.44510645051545733},{"text":"How does that sound?","start":2681.68,"end":2682.74,"sentiment":"neutral","sentiment_score":0.17262131720781326},{"text":"No.","start":2689.215,"end":2689.375,"sentiment":"neutral","sentiment_score":-0.031514864414930344},{"text":"That's okay.","start":2689.375,"end":2690.195,"sentiment":"neutral","sentiment_score":0.05058419331908226}],"sentiment":"positive","sentiment_score":0.4240426605026568,"num_words":93,"start":2656.495,"end":2690.195},{"sentences":[{"text":"The only other thing to sort of check on is just around your goals with regard to super there.","start":2691.135,"end":2696.115,"sentiment":"neutral","sentiment_score":0.0531249916867206},{"text":"You having a look back, we were sort of talking about, I think, age 60 to 65 depending on how you felt at the time.","start":2697.615,"end":2704.95,"sentiment":"neutral","sentiment_score":0.010288615599274636},{"text":"Do you think, realistically, you wanna stop working at age 60, or do you think you'd work a little bit longer?","start":2704.95,"end":2709.91,"sentiment":"neutral","sentiment_score":-0.05717506445944309},{"text":"What is your goal for accessing super now?","start":2709.91,"end":2712.3298,"sentiment":"neutral","sentiment_score":0.019134823232889175},{"text":"60 five.","start":2722.625,"end":2723.445,"sentiment":"neutral","sentiment_score":0.001033734530210495}],"sentiment":"neutral","sentiment_score":0.0029474657773971556,"num_words":75,"start":2691.135,"end":2723.445},{"sentences":[{"text":"Yep.","start":2724.785,"end":2725.105,"sentiment":"neutral","sentiment_score":0.112590491771698},{"text":"That's okay.","start":2725.105,"end":2725.665,"sentiment":"neutral","sentiment_score":0.2032412812113762},{"text":"That's not a problem at all.","start":2725.665,"end":2727.025,"sentiment":"neutral","sentiment_score":0.2125169982512792},{"text":"Beautiful.","start":2727.025,"end":2727.525,"sentiment":"positive","sentiment_score":0.5341671109199524},{"text":"I it's a bit probably early to really assess income, and I know over the past couple of years, I've just talked about goals.","start":2728.46,"end":2734.22,"sentiment":"neutral","sentiment_score":0.1741889469946424}],"sentiment":"neutral","sentiment_score":0.19143755536745577,"num_words":34,"start":2724.785,"end":2734.22},{"sentences":[{"text":"I've asked about income goals.","start":2734.22,"end":2735.5798,"sentiment":"neutral","sentiment_score":0.10547639727592469},{"text":"But do you know roughly what you might like to live on in retirement?","start":2735.5798,"end":2738.64,"sentiment":"neutral","sentiment_score":0.09066774110708918},{"text":"If you don't, that's okay.","start":2738.7798,"end":2740.0598,"sentiment":"neutral","sentiment_score":0.06540957018733025},{"text":"That's something I do assess when you actually get to retirement.","start":2740.0598,"end":2742.72,"sentiment":"neutral","sentiment_score":0.10480260713533922},{"text":"Yeah.","start":2754.5151,"end":2755.0151,"sentiment":"neutral","sentiment_score":0.04417599737644195}],"sentiment":"neutral","sentiment_score":0.09224396913001935,"num_words":36,"start":2734.22,"end":2755.0151},{"sentences":[{"text":"Yeah.","start":2755.075,"end":2755.575,"sentiment":"neutral","sentiment_score":0.05678937956690788},{"text":"Yeah.","start":2765.04,"end":2765.54,"sentiment":"neutral","sentiment_score":0.15990394353866577},{"text":"Absolutely.","start":2766.0,"end":2766.5,"sentiment":"neutral","sentiment_score":0.2476818561553955},{"text":"Absolutely.","start":2768.08,"end":2768.58,"sentiment":"neutral","sentiment_score":0.22895266115665436},{"text":"And maybe having that income cover investment property to supplement your super so that you draw less out income wise.","start":2769.12,"end":2775.435,"sentiment":"neutral","sentiment_score":0.18962577730417252}],"sentiment":"neutral","sentiment_score":0.18691014110421142,"num_words":24,"start":2755.075,"end":2775.435},{"sentences":[{"text":"Is that kind of part of your goal?","start":2775.435,"end":2776.955,"sentiment":"neutral","sentiment_score":0.18033679760992527},{"text":"Or yep.","start":2776.955,"end":2782.395,"sentiment":"neutral","sentiment_score":0.12015741504728794},{"text":"Beautiful.","start":2782.395,"end":2782.875,"sentiment":"positive","sentiment_score":0.6366301774978638},{"text":"Do you plan on buying any more investment properties down the track, or is this one kind of what you're happy with for the time being?","start":2782.875,"end":2788.95,"sentiment":"neutral","sentiment_score":0.14469119677176842},{"text":"Yes.","start":2793.33,"end":2793.83,"sentiment":"neutral","sentiment_score":-0.0016991179436445236}],"sentiment":"neutral","sentiment_score":0.1599976680682678,"num_words":38,"start":2775.435,"end":2793.83},{"sentences":[{"text":"No.","start":2794.37,"end":2794.53,"sentiment":"neutral","sentiment_score":-0.0725288987159729},{"text":"That's okay.","start":2794.53,"end":2795.25,"sentiment":"neutral","sentiment_score":-0.0019677436648635194},{"text":"That's fine.","start":2795.25,"end":2796.07,"sentiment":"neutral","sentiment_score":0.11110768094658852},{"text":"I've got your income updated.","start":2797.205,"end":2798.665,"sentiment":"neutral","sentiment_score":0.09644476473331451},{"text":"Absolutely.","start":2800.165,"end":2800.665,"sentiment":"neutral","sentiment_score":0.2957930564880371}],"sentiment":"neutral","sentiment_score":0.0839788960001897,"num_words":11,"start":2794.37,"end":2800.665},{"sentences":[{"text":"I did some renovations on mine.","start":2801.5251,"end":2803.125,"sentiment":"neutral","sentiment_score":0.24444215248028436},{"text":"I'm quite happy to stop for a minute.","start":2803.125,"end":2805.065,"sentiment":"positive","sentiment_score":0.3926701098680496},{"text":"The other thing to sort of look at is just the other assets I have here.","start":2807.685,"end":2811.24,"sentiment":"neutral","sentiment_score":0.054878620663657784},{"text":"Your car, your 2008 Subaru Outback, we have that valued at about 3,000 last year.","start":2811.24,"end":2816.68,"sentiment":"neutral","sentiment_score":0.04354512753585974},{"text":"What sort of value would you put on that now, do you think?","start":2816.68,"end":2819.26,"sentiment":"neutral","sentiment_score":0.028828646557835434}],"sentiment":"neutral","sentiment_score":0.11231070763335146,"num_words":58,"start":2801.5251,"end":2819.26},{"sentences":[{"text":"Wow.","start":2829.465,"end":2829.965,"sentiment":"neutral","sentiment_score":0.19256263971328735},{"text":"Nice.","start":2830.0251,"end":2830.5251,"sentiment":"positive","sentiment_score":0.4302988946437836},{"text":"Yep.","start":2835.705,"end":2836.205,"sentiment":"neutral","sentiment_score":0.07071544229984283},{"text":"How much is it worth to you if you had to sell it?","start":2844.81,"end":2847.1301,"sentiment":"neutral","sentiment_score":0.017881955951452255},{"text":"What would you want for, do you think?","start":2847.1301,"end":2848.6702,"sentiment":"neutral","sentiment_score":0.009780577616766095}],"sentiment":"neutral","sentiment_score":0.04184529270666341,"num_words":24,"start":2829.465,"end":2848.6702},{"sentences":[{"text":"Beautiful.","start":2878.875,"end":2879.375,"sentiment":"positive","sentiment_score":0.3503199517726898},{"text":"Excellent.","start":2879.595,"end":2880.095,"sentiment":"positive","sentiment_score":0.3866969347000122},{"text":"And then I also had down here that you had about 70,000 sitting in savings.","start":2880.715,"end":2885.035,"sentiment":"neutral","sentiment_score":0.09572814479470253},{"text":"Do you still have those savings?","start":2885.035,"end":2886.735,"sentiment":"neutral","sentiment_score":0.03934567359586557},{"text":"Beautiful.","start":2897.6401,"end":2898.1401,"sentiment":"neutral","sentiment_score":0.3117089569568634}],"sentiment":"neutral","sentiment_score":0.11336341903855403,"num_words":24,"start":2878.875,"end":2898.1401},{"sentences":[{"text":"Update that.","start":2898.6,"end":2899.32,"sentiment":"neutral","sentiment_score":0.20746979117393494},{"text":"So we'll say about 40.","start":2899.32,"end":2900.6802,"sentiment":"neutral","sentiment_score":0.04787647724151611},{"text":"And is that extra 50,000 going on the home loan or just sitting in an offset account?","start":2900.6802,"end":2905.34,"sentiment":"neutral","sentiment_score":0.012970810756087303},{"text":"So that'll be on the main primary yep.","start":2911.4949,"end":2914.855,"sentiment":"neutral","sentiment_score":-0.000019686587620526552},{"text":"That's okay.","start":2914.855,"end":2915.7349,"sentiment":"neutral","sentiment_score":0.08851126581430435}],"sentiment":"neutral","sentiment_score":0.030932082068722916,"num_words":34,"start":2898.6,"end":2915.7349},{"sentences":[{"text":"So that'll be in the offset account.","start":2915.7349,"end":2917.255,"sentiment":"neutral","sentiment_score":0.06150668380515916},{"text":"And so that 50,000 will drop essentially the main primary residence down to about $3.50 owing?","start":2917.255,"end":2922.875,"sentiment":"neutral","sentiment_score":0.030190229910658672},{"text":"That's okay.","start":2926.59,"end":2927.47,"sentiment":"positive","sentiment_score":0.4669206142425537},{"text":"Perfect.","start":2927.47,"end":2927.97,"sentiment":"positive","sentiment_score":0.800297737121582},{"text":"I like that.","start":2929.23,"end":2930.03,"sentiment":"positive","sentiment_score":0.5415830612182617}],"sentiment":"neutral","sentiment_score":0.14732684877476301,"num_words":29,"start":2915.7349,"end":2930.03},{"sentences":[{"text":"I'm trying to knock that nondeductible debt down.","start":2930.03,"end":2932.61,"sentiment":"neutral","sentiment_score":0.2828662656247616},{"text":"Anyone is there any other assets or liabilities or anything else that you sort of want us to note down at all?","start":2934.35,"end":2947.6052,"sentiment":"neutral","sentiment_score":0.024969228289344093},{"text":"I mean, they cost money.","start":2947.6052,"end":2949.5452,"sentiment":"neutral","sentiment_score":-0.14567673504352568},{"text":"No.","start":2957.58,"end":2957.74,"sentiment":"neutral","sentiment_score":-0.07710543274879456},{"text":"That's okay.","start":2957.74,"end":2958.72,"sentiment":"neutral","sentiment_score":0.035873535089194775}],"sentiment":"neutral","sentiment_score":0.05469766077830603,"num_words":38,"start":2930.03,"end":2958.72},{"sentences":[{"text":"And the other thing to sort of look at is we talked about your risk profile last time just before, so that you, like, growth environment and what that sort of looks like.","start":2959.1,"end":2967.795,"sentiment":"neutral","sentiment_score":0.0021160379842375264},{"text":"Realistically, for your agency, if you can still be in that growth environment, did you wanna run through a new risk profile questionnaire to kind of reassess that, or do you feel fairly comfortable sitting in that kind of environment?","start":2968.035,"end":2978.9348,"sentiment":"neutral","sentiment_score":-0.023455763584934175},{"text":"Yep.","start":2984.9302,"end":2985.4302,"sentiment":"neutral","sentiment_score":0.10982023179531096},{"text":"That's okay.","start":2985.49,"end":2986.05,"sentiment":"neutral","sentiment_score":0.13724207878112793},{"text":"One of the questions I do like to ask just to sort of gauge whether it's worth reviewing or not is if you saw your super fall by 20% over the next one to two years, how do you think you might be feeling?","start":2986.05,"end":2996.155,"sentiment":"neutral","sentiment_score":-0.03805393945764412}],"sentiment":"neutral","sentiment_score":-0.01798725197246919,"num_words":120,"start":2959.1,"end":2996.155},{"sentences":[{"text":"Do you see it as a buying opportunity, maybe wanting to put some more money into the market, take advantage of that downtime?","start":2996.215,"end":3001.995,"sentiment":"neutral","sentiment_score":-0.04592543403091638},{"text":"Are you a bit cautious, maybe hold and wait, you know, speak to us if it wasted us to do?","start":3002.535,"end":3007.32,"sentiment":"neutral","sentiment_score":-0.15862984731793403},{"text":"Or are you feeling very nervous about that fit in the market and maybe wanting to sell your investments to cash?","start":3007.4001,"end":3012.36,"sentiment":"neutral","sentiment_score":-0.1764144180786042},{"text":"How do you think you might react in that instance?","start":3012.36,"end":3014.3801,"sentiment":"neutral","sentiment_score":-0.060671252012252805},{"text":"Yeah.","start":3019.815,"end":3019.9749,"sentiment":"neutral","sentiment_score":0.02116469293832779}],"sentiment":"neutral","sentiment_score":-0.11358843381206195,"num_words":75,"start":2996.215,"end":3019.9749},{"sentences":[{"text":"You're right.","start":3019.9749,"end":3020.795,"sentiment":"neutral","sentiment_score":0.06496455520391464},{"text":"So the just the three options.","start":3021.415,"end":3023.575,"sentiment":"neutral","sentiment_score":0.02568264150371154},{"text":"Is that right?","start":3023.575,"end":3024.135,"sentiment":"neutral","sentiment_score":0.045107629150152206},{"text":"Sorry.","start":3024.135,"end":3024.455,"sentiment":"neutral","sentiment_score":-0.04290391504764557},{"text":"Did you want me to rerun the entire thing for you?","start":3024.455,"end":3026.875,"sentiment":"neutral","sentiment_score":-0.05097742175514048}],"sentiment":"neutral","sentiment_score":-0.008013378585810247,"num_words":23,"start":3019.9749,"end":3026.875},{"sentences":[{"text":"Yeah.","start":3029.175,"end":3029.575,"sentiment":"neutral","sentiment_score":-0.011585509404540062},{"text":"No.","start":3029.575,"end":3029.815,"sentiment":"neutral","sentiment_score":-0.04414182901382446},{"text":"That's okay.","start":3029.815,"end":3030.455,"sentiment":"neutral","sentiment_score":0.036380098201334476},{"text":"You're fine.","start":3030.455,"end":3031.275,"sentiment":"neutral","sentiment_score":0.12526429817080498},{"text":"Essentially, if you saw the market fall by 20% over the next one to two years, how do you think you might feel or react in that instance?","start":3031.9102,"end":3038.8901,"sentiment":"neutral","sentiment_score":-0.06468609321330275}],"sentiment":"neutral","sentiment_score":-0.04540144575431066,"num_words":34,"start":3029.175,"end":3038.8901},{"sentences":[{"text":"Yes.","start":3045.015,"end":3045.335,"sentiment":"neutral","sentiment_score":0.04228748381137848},{"text":"So maybe hold and wait, call us, do what we suggest you do and have that conversation.","start":3045.335,"end":3048.9548,"sentiment":"neutral","sentiment_score":0.03240202586440479},{"text":"Yep.","start":3051.575,"end":3051.895,"sentiment":"neutral","sentiment_score":0.057617127895355225},{"text":"Yep.","start":3051.895,"end":3052.135,"sentiment":"neutral","sentiment_score":0.08032196760177612},{"text":"That's okay.","start":3052.135,"end":3052.875,"sentiment":"neutral","sentiment_score":0.09705911763012409}],"sentiment":"neutral","sentiment_score":0.04205360246652907,"num_words":22,"start":3045.015,"end":3052.875},{"sentences":[{"text":"The other question I do like to ask is about the level of risk.","start":3053.015,"end":3055.815,"sentiment":"neutral","sentiment_score":-0.024096935987472534},{"text":"So how do you think you feel about risk?","start":3055.815,"end":3058.26,"sentiment":"neutral","sentiment_score":-0.05794617906212807},{"text":"Are you happy at taking on a higher level of risk in the market to get greater potential returns knowing that there is a downside that coincides with it?","start":3058.34,"end":3066.12,"sentiment":"neutral","sentiment_score":-0.03346152076947278},{"text":"Are you probably in the middle, more medium or moderate, happy to take on, you know, a medium amount of risk to get the greatest returns possible, or are you not wanting to take any risk in the market knowing the returns are a bit lower because of that?","start":3066.34,"end":3079.885,"sentiment":"neutral","sentiment_score":-0.03262435827328234},{"text":"Where do you think you might fit with the risk profile?","start":3079.885,"end":3082.625,"sentiment":"neutral","sentiment_score":-0.012290065430782059}],"sentiment":"neutral","sentiment_score":-0.03181286690024925,"num_words":112,"start":3053.015,"end":3082.625},{"sentences":[{"text":"Yep.","start":3090.44,"end":3090.94,"sentiment":"neutral","sentiment_score":0.0414913147687912},{"text":"Yeah.","start":3094.76,"end":3095.205,"sentiment":"neutral","sentiment_score":0.03016367182135582},{"text":"In the middle?","start":3096.885,"end":3097.705,"sentiment":"neutral","sentiment_score":0.021643022696177166},{"text":"Yeah.","start":3098.485,"end":3098.885,"sentiment":"neutral","sentiment_score":0.139375239610672},{"text":"That's absolutely fine.","start":3098.885,"end":3100.245,"sentiment":"neutral","sentiment_score":0.3283083438873291}],"sentiment":"neutral","sentiment_score":0.14009825843903753,"num_words":9,"start":3090.44,"end":3100.245},{"sentences":[{"text":"That's absolutely fine.","start":3100.245,"end":3101.625,"sentiment":"positive","sentiment_score":0.43310131629308063},{"text":"So I've kind of marked you in the middle there, which is great.","start":3101.925,"end":3104.665,"sentiment":"positive","sentiment_score":0.39965537878183216},{"text":"When you sort of think about risk out of a number between one and five, having that growth environment, you're sitting about a three.","start":3104.8052,"end":3110.665,"sentiment":"neutral","sentiment_score":0.08146757128027578},{"text":"So five being the highest level of risk, all sitting in, say, shares and equities or one all being sitting in cash.","start":3111.05,"end":3117.21,"sentiment":"neutral","sentiment_score":0.014954392713579264},{"text":"So you're kind of middle of the range there.","start":3117.21,"end":3119.39,"sentiment":"neutral","sentiment_score":0.036322150793340474}],"sentiment":"neutral","sentiment_score":0.1282526983184294,"num_words":71,"start":3100.245,"end":3119.39},{"sentences":[{"text":"You do have that eighty twenty split.","start":3119.77,"end":3121.53,"sentiment":"neutral","sentiment_score":0.08023134193250112},{"text":"It does suit someone who's got at least six years before accessing their money, so it does suit your time horizon.","start":3121.53,"end":3127.045,"sentiment":"neutral","sentiment_score":0.08013408684304782},{"text":"You do have capacity whilst you're working to withstand the downtime, but, understandably, it can make you a little bit nervous in those downtimes as well.","start":3127.425,"end":3136.4849,"sentiment":"neutral","sentiment_score":-0.08783919722414933},{"text":"But you can stay in that environment.","start":3137.04,"end":3138.6401,"sentiment":"neutral","sentiment_score":0.13773577234574727},{"text":"It does still suit, you know, where you're at at the moment if you're comfortable with that.","start":3138.6401,"end":3143.06,"sentiment":"neutral","sentiment_score":0.12920498793177745}],"sentiment":"neutral","sentiment_score":0.040016042188000985,"num_words":78,"start":3119.77,"end":3143.06},{"sentences":[{"text":"Yeah.","start":3147.28,"end":3147.6,"sentiment":"positive","sentiment_score":0.5381766557693481},{"text":"Beautiful.","start":3147.6,"end":3148.1,"sentiment":"positive","sentiment_score":0.7165136337280273},{"text":"Well, I'll look at that growth environment there for you.","start":3148.24,"end":3150.8,"sentiment":"neutral","sentiment_score":0.2955043911933899},{"text":"I'll look at reevaluating the suit for the investments.","start":3150.8,"end":3153.345,"sentiment":"neutral","sentiment_score":0.18965599106417763},{"text":"We'll also just reevaluate the insurance levels.","start":3153.965,"end":3156.465,"sentiment":"neutral","sentiment_score":0.11338837524609906}],"sentiment":"neutral","sentiment_score":0.23965559813327023,"num_words":28,"start":3147.28,"end":3156.465},{"sentences":[{"text":"Before I let you go, I'll book you in for a pre assessment with my team members just to kind of go through so I can fully understand your circumstances and see what kind of contract might be offered for insurance wise, look at life, safety, and income protection for you.","start":3156.7651,"end":3170.19,"sentiment":"neutral","sentiment_score":0.04927435035214705},{"text":"The only other thing to sort of consider is your estate planning.","start":3170.81,"end":3174.27,"sentiment":"neutral","sentiment_score":0.03666654725869497},{"text":"You've got your beneficiary on file here.","start":3174.57,"end":3177.15,"sentiment":"neutral","sentiment_score":0.056139527154820304},{"text":"So in the event of passing, your fee fee is paid out to your legal personal representative.","start":3177.8152,"end":3181.915,"sentiment":"neutral","sentiment_score":0.05046507321736392},{"text":"So it all goes through to your will.","start":3182.0552,"end":3183.8352,"sentiment":"neutral","sentiment_score":0.07878250163048506}],"sentiment":"neutral","sentiment_score":0.05088561455670156,"num_words":95,"start":3156.7651,"end":3183.8352},{"sentences":[{"text":"Do you have a will that outlines your wishes?","start":3184.0552,"end":3186.7952,"sentiment":"neutral","sentiment_score":0.03635662007662985},{"text":"Yes.","start":3191.415,"end":3191.915,"sentiment":"neutral","sentiment_score":-0.07818000018596649},{"text":"Yeah.","start":3196.45,"end":3196.95,"sentiment":"neutral","sentiment_score":-0.050205741077661514},{"text":"If you like, there is actually a way that it can be done a little bit easier.","start":3197.01,"end":3200.69,"sentiment":"neutral","sentiment_score":0.020199026583748704},{"text":"I know speaking to a solicitor and having those appointments can be a lot and can be difficult, But every state also has a trustee service which outlines which you can do over the phone or online.","start":3200.69,"end":3212.485,"sentiment":"neutral","sentiment_score":0.011680919223943272}],"sentiment":"neutral","sentiment_score":0.014990789271317995,"num_words":65,"start":3184.0552,"end":3212.485},{"sentences":[{"text":"I can always email you just some information from that if you like to give you another option for doing that, if you will.","start":3212.625,"end":3218.725,"sentiment":"neutral","sentiment_score":0.06987403550495704},{"text":"Yep.","start":3221.97,"end":3222.29,"sentiment":"neutral","sentiment_score":0.3108329176902771},{"text":"Perfect.","start":3222.29,"end":3222.79,"sentiment":"positive","sentiment_score":0.6355161666870117},{"text":"Excellent.","start":3223.81,"end":3224.31,"sentiment":"positive","sentiment_score":0.6038517951965332},{"text":"And are you happy with your super and life insurance beneficiary being structured to be paid to your will, or did you wanna pay to anyone particular in the event of passing?","start":3224.37,"end":3233.83,"sentiment":"neutral","sentiment_score":0.23567594517953694}],"sentiment":"neutral","sentiment_score":0.1825221691091182,"num_words":59,"start":3212.625,"end":3233.83},{"sentences":[{"text":"Yep.","start":3243.515,"end":3243.835,"sentiment":"neutral","sentiment_score":0.039210788905620575},{"text":"Did you want us to have that updated?","start":3243.835,"end":3245.515,"sentiment":"neutral","sentiment_score":0.04504628898575902},{"text":"It's and I can include that in the advice to reflect to make sure that everything is paid directly to him in the event of passing.","start":3245.515,"end":3251.54,"sentiment":"neutral","sentiment_score":0.06411052466585086},{"text":"Yes.","start":3254.16,"end":3254.5598,"sentiment":"neutral","sentiment_score":0.17358945310115814},{"text":"Beautiful.","start":3254.5598,"end":3255.0598,"sentiment":"positive","sentiment_score":0.6539921760559082}],"sentiment":"neutral","sentiment_score":0.07821719922326706,"num_words":37,"start":3243.515,"end":3255.0598},{"sentences":[{"text":"Fantastic.","start":3255.2,"end":3255.7,"sentiment":"positive","sentiment_score":0.7055829167366028},{"text":"I can update that.","start":3255.92,"end":3256.72,"sentiment":"positive","sentiment_score":0.5643759816884995},{"text":"Not a problem at all.","start":3256.72,"end":3258.0,"sentiment":"neutral","sentiment_score":0.3214184582233429},{"text":"Well, thank you so much for your time.","start":3258.0,"end":3259.3599,"sentiment":"positive","sentiment_score":0.44139886647462845},{"text":"That is essentially everything I need to go through, and I'm so sorry.","start":3259.3599,"end":3262.16,"sentiment":"neutral","sentiment_score":0.015964032938847177}],"sentiment":"neutral","sentiment_score":0.26802911272933405,"num_words":31,"start":3255.2,"end":3262.16},{"sentences":[{"text":"It is a lot.","start":3262.16,"end":3263.205,"sentiment":"neutral","sentiment_score":-0.14868656359612942},{"text":"Is there anything else that you maybe had questions wise for me or anything you wanted me to touch on as part of your review that I haven't touched on that you might want to ask me while you've got me here at all?","start":3263.605,"end":3273.5452,"sentiment":"neutral","sentiment_score":0.04391210657459768},{"text":"Beautiful.","start":3277.93,"end":3278.25,"sentiment":"neutral","sentiment_score":0.016531918197870255},{"text":"Is there any other goals that you had noted down or wanted to sort of note down down the track that you might like us to look at?","start":3278.25,"end":3283.93,"sentiment":"neutral","sentiment_score":0.05106166457491262},{"text":"Or Yeah.","start":3283.93,"end":3296.085,"sentiment":"neutral","sentiment_score":0.008380130864679813}],"sentiment":"neutral","sentiment_score":0.035448167378766625,"num_words":79,"start":3262.16,"end":3296.085},{"sentences":[{"text":"Renovation.","start":3296.545,"end":3297.045,"sentiment":"neutral","sentiment_score":0.019867779687047005},{"text":"Yeah.","start":3297.825,"end":3298.325,"sentiment":"neutral","sentiment_score":0.014220580458641052},{"text":"No.","start":3299.105,"end":3299.4248,"sentiment":"neutral","sentiment_score":-0.00993817299604416},{"text":"Absolutely.","start":3299.4248,"end":3299.9248,"sentiment":"neutral","sentiment_score":0.2152235209941864},{"text":"Well, look, thank you so much for your time today.","start":3300.625,"end":3302.305,"sentiment":"positive","sentiment_score":0.6658073008060456}],"sentiment":"positive","sentiment_score":0.49267476544316324,"num_words":14,"start":3296.545,"end":3302.305},{"sentences":[{"text":"It's been an absolute pleasure.","start":3302.305,"end":3303.585,"sentiment":"positive","sentiment_score":0.8706057786941528},{"text":"I'm sorry it took a bit longer than I had expected, but there's a lot of things I sort of thought that I wanted to talk to you about.","start":3303.585,"end":3308.49,"sentiment":"neutral","sentiment_score":0.1368746230828351},{"text":"There's definitely some advice I can provide moving forward, and I wanna make sure that your retirement is the best it can be.","start":3308.49,"end":3313.77,"sentiment":"positive","sentiment_score":0.47838374972343445},{"text":"So I'll work on some advice and update things for you.","start":3313.77,"end":3317.45,"sentiment":"positive","sentiment_score":0.395003007216887},{"text":"In the meantime, if you can find that and review drops and grab them and send them back to me, that'd be fabulous.","start":3317.45,"end":3322.11,"sentiment":"positive","sentiment_score":0.45738670229911804}],"sentiment":"positive","sentiment_score":0.3757158949316203,"num_words":91,"start":3302.305,"end":3322.11},{"sentences":[{"text":"I'll also send out that email with some information on the state trustee for you and the will services they provide.","start":3322.695,"end":3328.215,"sentiment":"neutral","sentiment_score":0.2716876495452154},{"text":"And then if you do have additional questions, you're welcome to let me know at any time.","start":3328.215,"end":3331.975,"sentiment":"neutral","sentiment_score":0.1884729266166687},{"text":"You also then have my direct email address to Emma.","start":3331.975,"end":3334.53,"sentiment":"neutral","sentiment_score":0.09546922147274017},{"text":"Okay.","start":3334.77,"end":3335.27,"sentiment":"neutral","sentiment_score":0.17125482857227323},{"text":"Beautiful.","start":3338.53,"end":3339.03,"sentiment":"positive","sentiment_score":0.6909763813018799}],"sentiment":"neutral","sentiment_score":0.21452807635068893,"num_words":50,"start":3322.695,"end":3339.03},{"sentences":[{"text":"Thank you so much for your time.","start":3339.17,"end":3340.53,"sentiment":"positive","sentiment_score":0.7985929421016148},{"text":"I really appreciate it.","start":3340.53,"end":3341.6501,"sentiment":"positive","sentiment_score":0.8214159458875656},{"text":"I'll get cracking on that advice.","start":3341.6501,"end":3343.19,"sentiment":"positive","sentiment_score":0.7468937138716379},{"text":"Before I let you go, let's we'll get a quick pre assessment with my colleagues there.","start":3343.57,"end":3347.595,"sentiment":"neutral","sentiment_score":0.17497049272060394},{"text":"Is there a day or time maybe next week or the week after that would suit for them to give you a quick call and run through that?","start":3347.675,"end":3352.955,"sentiment":"neutral","sentiment_score":0.10290850685643298}],"sentiment":"neutral","sentiment_score":0.31210070060657674,"num_words":61,"start":3339.17,"end":3352.955},{"sentences":[{"text":"It should only take about five to ten minutes.","start":3352.955,"end":3355.055,"sentiment":"neutral","sentiment_score":0.10163066536188126},{"text":"Yep.","start":3360.875,"end":3361.195,"sentiment":"neutral","sentiment_score":0.06846293807029724},{"text":"That's okay.","start":3361.195,"end":3362.015,"sentiment":"neutral","sentiment_score":0.0605468787252903},{"text":"Sorry.","start":3364.67,"end":3364.91,"sentiment":"neutral","sentiment_score":-0.01069946400821209},{"text":"Probably today.","start":3364.91,"end":3365.97,"sentiment":"neutral","sentiment_score":-0.0018564262427389622}],"sentiment":"neutral","sentiment_score":0.0726546911522746,"num_words":15,"start":3352.955,"end":3365.97},{"sentences":[{"text":"It's September.","start":3366.43,"end":3367.41,"sentiment":"neutral","sentiment_score":0.005622851043881383},{"text":"If I get someone to give you a call, even tomorrow, would tomorrow work for you?","start":3368.8298,"end":3377.3298,"sentiment":"neutral","sentiment_score":0.017534410406369716},{"text":"If not, I could do it.","start":3381.015,"end":3382.395,"sentiment":"neutral","sentiment_score":-0.11440962180495262},{"text":"No.","start":3382.855,"end":3383.095,"sentiment":"neutral","sentiment_score":-0.06541337072849274},{"text":"That's okay.","start":3383.095,"end":3383.915,"sentiment":"neutral","sentiment_score":-0.016088586766272783}],"sentiment":"neutral","sentiment_score":-0.018231555796336143,"num_words":27,"start":3366.43,"end":3383.915},{"sentences":[{"text":"Our office is generally open until about, say, 02:00.","start":3384.455,"end":3388.055,"sentiment":"neutral","sentiment_score":0.003559631295502186},{"text":"Our last appointment's closed at one.","start":3388.055,"end":3390.055,"sentiment":"neutral","sentiment_score":-0.022939936568339665},{"text":"What time would be best for someone to give you a call?","start":3390.055,"end":3392.76,"sentiment":"neutral","sentiment_score":0.013816434890031815},{"text":"Okay.","start":3397.4,"end":3397.9,"sentiment":"neutral","sentiment_score":0.13647669553756714},{"text":"Perfect.","start":3399.0,"end":3399.4,"sentiment":"neutral","sentiment_score":0.24476850032806396}],"sentiment":"neutral","sentiment_score":0.01522205092398257,"num_words":29,"start":3384.455,"end":3399.4},{"sentences":[{"text":"What if I make it 09:00 in the morning?","start":3399.4,"end":3401.32,"sentiment":"neutral","sentiment_score":0.023087968325449362},{"text":"That way they can get to the free assessment and leave you to enjoy the rest of your day.","start":3401.32,"end":3404.84,"sentiment":"positive","sentiment_score":0.45210548529499456},{"text":"Does that work okay?","start":3404.84,"end":3405.9,"sentiment":"neutral","sentiment_score":0.24302846938371658},{"text":"Beautiful.","start":3408.7852,"end":3409.2651,"sentiment":"positive","sentiment_score":0.7892746925354004},{"text":"Awesome.","start":3409.2651,"end":3409.5852,"sentiment":"positive","sentiment_score":0.8388946652412415}],"sentiment":"positive","sentiment_score":0.335237622671925,"num_words":34,"start":3399.4,"end":3409.5852},{"sentences":[{"text":"Thank you so much.","start":3409.5852,"end":3410.3052,"sentiment":"positive","sentiment_score":0.8214974254369736},{"text":"So my colleague, Samantha, she's my admin team member.","start":3410.3052,"end":3412.5452,"sentiment":"neutral","sentiment_score":0.24748383462429047},{"text":"She'll give you a call, run through that with you at 9AM tomorrow morning.","start":3412.5452,"end":3416.0652,"sentiment":"neutral","sentiment_score":0.2310855324779238},{"text":"And then in the meantime, I'll get stuck into the research, and I'll get her to rebook your presentation after that as well so you've got an idea of when that will be in the next couple of weeks for you.","start":3416.0652,"end":3426.46,"sentiment":"neutral","sentiment_score":0.18119049562913617},{"text":"Okay?","start":3426.46,"end":3426.96,"sentiment":"neutral","sentiment_score":0.10727740824222563}],"sentiment":"neutral","sentiment_score":0.2360091216970181,"num_words":69,"start":3409.5852,"end":3426.96},{"sentences":[{"text":"Thank you so much for your time.","start":3429.9,"end":3431.3398,"sentiment":"positive","sentiment_score":0.7623678956712995},{"text":"I hope you have a good day.","start":3431.3398,"end":3432.6199,"sentiment":"positive","sentiment_score":0.6502411961555481},{"text":"Are you working the rest of the day?","start":3432.6199,"end":3434.14,"sentiment":"neutral","sentiment_score":0.07881799200549722},{"text":"Do you have to stay off?","start":3434.14,"end":3435.2798,"sentiment":"neutral","sentiment_score":-0.021777956125636894},{"text":"Well oh, no.","start":3439.0999,"end":3441.235,"sentiment":"neutral","sentiment_score":-0.012255451331535973}],"sentiment":"positive","sentiment_score":0.3339152738091446,"num_words":31,"start":3429.9,"end":3441.235},{"sentences":[{"text":"It happened.","start":3441.235,"end":3441.975,"sentiment":"neutral","sentiment_score":-0.03717133775353432},{"text":"At least it's a working day.","start":3442.595,"end":3444.355,"sentiment":"neutral","sentiment_score":0.11839619775613149},{"text":"Hopefully, the weekend or when your office is nice and sunny for you.","start":3444.355,"end":3447.815,"sentiment":"neutral","sentiment_score":0.33200592031845677},{"text":"No.","start":3451.315,"end":3451.815,"sentiment":"neutral","sentiment_score":-0.259732723236084},{"text":"We can dream.","start":3452.1,"end":3452.84,"sentiment":"neutral","sentiment_score":-0.05449366569519043}],"sentiment":"neutral","sentiment_score":0.18115591019392013,"num_words":25,"start":3441.235,"end":3452.84},{"sentences":[{"text":"Beautiful.","start":3454.58,"end":3455.06,"sentiment":"positive","sentiment_score":0.6416541337966919},{"text":"Thank you so much, Emma.","start":3455.06,"end":3456.26,"sentiment":"positive","sentiment_score":0.7746348977088928},{"text":"I appreciate your time today.","start":3456.26,"end":3457.3801,"sentiment":"positive","sentiment_score":0.7937682628631592},{"text":"You have a lovely day, and I'll get cracking on that research and see what I can do to help.","start":3457.3801,"end":3461.24,"sentiment":"positive","sentiment_score":0.7668123811483383},{"text":"Thank you.","start":3464.02,"end":3464.58,"sentiment":"positive","sentiment_score":0.5611624717712402}],"sentiment":"positive","sentiment_score":0.7558255303989757,"num_words":33,"start":3454.58,"end":3464.58},{"sentences":[{"text":"Talk soon.","start":3464.58,"end":3465.1401,"sentiment":"positive","sentiment_score":0.39522483944892883},{"text":"See you later.","start":3465.1401,"end":3465.9402,"sentiment":"neutral","sentiment_score":0.33079540729522705},{"text":"Bye.","start":3465.9402,"end":3466.233,"sentiment":"neutral","sentiment_score":0.19431690871715543}],"sentiment":"neutral","sentiment_score":0.3295254682501157,"num_words":6,"start":3464.58,"end":3466.233}]}}]},{"alternatives":[{"transcript":"Hello? Emma speaking. Yeah. Perfect. Yep. Go ahead. Yeah. Emily Proctor. 12/05/2009 83 At 5 Zara Court, Frankston, Victoria. Yeah. It's all cloudy and trying to rain. Yes. Yeah. It's it was sunny yesterday afternoon. Now it's windy. It's gonna rain heat tomorrow or something, or is it Saturday? Yeah. Yep. It's definitely changeable in Olin. Yep. Yep. That's right. Mhmm. Yep. Got that. Got so I had two emails come through at the same time. I think that's unrelated. So I've got a a sign document button. Yeah. Yeah. I know what that's like. Because, like, I don't know what it looks like because I'm in the back end. I'm just going into it. I think it's loading. I hit a time, mate. The edge of my computer might be affecting it. Doing weird stuff. I might try this a little bit differently. Give me a sec. That's better. Okay. Yep. I'm on page one. Yep. Mhmm. Well, let me go to my partner, my Select, please. Yes. Go just two properties. So I've got my my house that I live in, and then I got one apartment that's an investment. Yep. About that. Yeah. I think so. Yeah. All up between the two of them. Like, between it doesn't probably in the house. Yeah. Yep. Yeah. No. That sounds good. Where am I? So the main property is, like, 400,000 on that owing. And then, like, 200 and yeah. That's right. Yeah. I'd I'd up that just based on what's going like, what's selling around the the suburb. I'd probably pay that to, like, 800. I'd probably keep that one where it is. It's been pretty stable there. Mhmm. Yes. Yeah. Pretty much. I have no idea. It is a tough one. Like, you don't really know what what you're gonna need in those circumstances. Yeah. Because I guess everything in my head is, like, you know, what what am I gonna have for retirement? So I'm thinking about, you know, way way down the track, having enough money to retire on, not necessarily, like, how do I how do I fund my life while not working? Mhmm. I really don't know. I mean, I feel like default is what I've currently got because I don't know any better. Yeah. You can try. I've had trouble because of my job that not a lot of people wanna cover it because, yeah, it doesn't save. Yeah. That's right. But that firefighting aspect is yeah. Yeah. That's fine. Yeah. I I actually think it's amusing that they that it's changing because they think the likelihood of me claiming it is getting higher, whereas I would argue I actually do more safe stuff now than I used to. Yeah. We we offer it a lot more places than we did ten years ago. Oh, they're they're they're going off averages and yeah. Something a bit meta. I don't know. Well, yeah, mortgages is a minimum. If it was with permanent disability, I think there'd need to be a bit more on that too. Yes. Yes. Yes. Yeah. Let's do that. I think that is the base level. Oh, yeah. Yeah. Maybe. I would say that after tax, that would be probably the minimum. Might be a little tight to yeah. That's a good question, what my base wage is, because I never see my base wage. Because I get overtime. So I'm I'm about I'm about a 130 all up. What is my base wage? That's a good question. I can remember how to look up a pay slip. That would work. Convoluted systems that we have. I don't make it easy. Let me have a look. 114. That's the base. Yep. Mhmm. Yeah. Just for a comparison. That would be good. Yeah. Yep. Okay. Yeah. I am. Might be good for two years for now. Yep. Yes. Perfect. No. No. That's fine. Yeah. No. I'm happy to go with that. Mhmm. Yep. Yep. Makes perfect sense. Sounds good. Good question. I don't mind a bit of risk. It's just yeah. Obviously, I'm aware of the volatility that there is globally at the moment, shall we say. So I'm happy happy to take your advice on this. Yeah. What what do you think is the level of risk that you require? Yeah. Yeah. I got what you're saying. Yeah. Sounds good. Mhmm. Yes. Okay. Yeah. Makes sense. How's it look how's it looking in, like, the the the sorry. The housing, the what do I say? Property investing in property. Just because I was saying that that that's starting to do a bit of a downturn in Australia. Yes. I take the least, sir. Okay. Yeah. I must've got my investment property so the rent will return. So it's a it's a another income stream. I'd I'd like to keep it. The selling it's always the the sort of plan b if I had to. So I'd I'd prefer to keep the investment. No. That's fine. What would what's the fee structure going to for the over 200,000? Do you know what that is yet? I think I got a good time before I hit part numbers. Nope. That's fine. Cool. Mhmm. Yeah. Sounds good. I time flies. I just thought I've done it last year. Oh, I'd love to stop working right now, but that's not gonna happen. I I'm just going with 65 because that's probably realistic. Yeah. I'm not sure. I'm hoping to assume that I've got no mortgage by then, so it would be just covering standard stuff. But also, yeah, hoping to have that investment property too. So I'd still be looking at, you know, driver fees and land tax and all that sort of stuff. Fun stuff. Yeah. Yeah. We I would like us to have that income stream. I'm happy with just the one at the moment. Yeah. I don't have any plans there. Need to fix up my house. Well, I'm just in the process of changing that over. So I will have a 2015 Subaru Outback. I'm just doing the rego changeover to my dad's old car. So I actually don't know how much that's worth, but I'm gonna I have to look up my car's guide, wouldn't I? Okay. Just I'm googling it. There you go. Australian market currently valued between 1,600 and 19,000 depending on condition and trim. I'll check-in the middle there, 15,000. Yeah. I'm sitting at 90 at the moment, but I'm about to check a whole bunch against the home loan. So I'll probably have about 40 after that. It's gonna, yeah, go against the home loan. So and then the leftover 40 isn't off rate. Yeah. That's that's the plan. Don't those chickens count? No. No. I think that's probably it. I'm pretty okay with, yeah, where we're we're at at the moment. So well, could you just say the example again? I think I've missed a bit. Oh, yeah. The beginning. Sorry. Yeah. I'd probably be in the middle option. Yeah. Yeah. I sort of like to think I'd be between the first option and the second option. Probably, you know, to give you an answer, I'll say the the the second option. But I'd sort of, like, put myself on the 72% scale, shall we say? Yeah. Okay. Mhmm. Yeah. That sounds good. Hello. I don't, and I know I need one. Every time I look into it, it's let's just say it's a bit dizzying. Yeah. That'd be good. Well, until I have a will, I probably I would say go to my partner. Yes, please. Nope. I think I'm good. Not really. Like I said, I'm just trying to make sure I got enough money to do some renovation going forward and yeah. Yep. Yeah. Friday is usually my best day. Yep. I just yeah. No. I don't have anything tomorrow. All day is good, so whatever suits. Yeah. That works. Okay. I'm good. Oh, no. I'm working, and I'm now watching it rain. Yeah. I don't think that's gonna happen, but we can only hope. Okay. Thank you. 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Emma speaking. Yeah. Perfect. Yep.\n\nGo ahead. Yeah. Emily Proctor. 12/05/2009 83 At 5 Zara Court, Frankston, Victoria. Yeah.\n\nIt's all cloudy and trying to rain. Yes. Yeah. It's it was sunny yesterday afternoon. Now it's windy.\n\nIt's gonna rain heat tomorrow or something, or is it Saturday? Yeah. Yep. It's definitely changeable in Olin. Yep.\n\nYep. That's right. Mhmm. Yep. Got that.\n\nGot so I had two emails come through at the same time. I think that's unrelated. So I've got a a sign document button. Yeah. Yeah.\n\nI know what that's like. Because, like, I don't know what it looks like because I'm in the back end. I'm just going into it. I think it's loading. I hit a time, mate.\n\nThe edge of my computer might be affecting it. Doing weird stuff. I might try this a little bit differently. Give me a sec. That's better.\n\nOkay. Yep. I'm on page one. Yep. Mhmm.\n\nWell, let me go to my partner, my Select, please. Yes. Go just two properties. So I've got my my house that I live in, and then I got one apartment that's an investment. Yep.\n\nAbout that. Yeah. I think so. Yeah. All up between the two of them.\n\nLike, between it doesn't probably in the house. Yeah. Yep. Yeah. No.\n\nThat sounds good. Where am I? So the main property is, like, 400,000 on that owing. And then, like, 200 and yeah. That's right.\n\nYeah. I'd I'd up that just based on what's going like, what's selling around the the suburb. I'd probably pay that to, like, 800. I'd probably keep that one where it is. It's been pretty stable there.\n\nMhmm. Yes. Yeah. Pretty much. I have no idea.\n\nIt is a tough one. Like, you don't really know what what you're gonna need in those circumstances. Yeah. Because I guess everything in my head is, like, you know, what what am I gonna have for retirement? So I'm thinking about, you know, way way down the track, having enough money to retire on, not necessarily, like, how do I how do I fund my life while not working?\n\nMhmm. I really don't know. I mean, I feel like default is what I've currently got because I don't know any better. Yeah. You can try.\n\nI've had trouble because of my job that not a lot of people wanna cover it because, yeah, it doesn't save. Yeah. That's right. But that firefighting aspect is yeah. Yeah.\n\nThat's fine. Yeah. I I actually think it's amusing that they that it's changing because they think the likelihood of me claiming it is getting higher, whereas I would argue I actually do more safe stuff now than I used to. Yeah. We we offer it a lot more places than we did ten years ago.\n\nOh, they're they're they're going off averages and yeah. Something a bit meta. I don't know. Well, yeah, mortgages is a minimum. If it was with permanent disability, I think there'd need to be a bit more on that too.\n\nYes. Yes. Yes. Yeah. Let's do that.\n\nI think that is the base level. Oh, yeah. Yeah. Maybe. I would say that after tax, that would be probably the minimum.\n\nMight be a little tight to yeah. That's a good question, what my base wage is, because I never see my base wage. Because I get overtime. So I'm I'm about I'm about a 130 all up. What is my base wage?\n\nThat's a good question. I can remember how to look up a pay slip. That would work. Convoluted systems that we have. I don't make it easy.\n\nLet me have a look. 114. That's the base. Yep. Mhmm.\n\nYeah. Just for a comparison. That would be good. Yeah. Yep.\n\nOkay. Yeah. I am. Might be good for two years for now. Yep.\n\nYes. Perfect. No. No. That's fine.\n\nYeah. No. I'm happy to go with that. Mhmm. Yep.\n\nYep. Makes perfect sense. Sounds good. Good question. I don't mind a bit of risk.\n\nIt's just yeah. Obviously, I'm aware of the volatility that there is globally at the moment, shall we say. So I'm happy happy to take your advice on this. Yeah. What what do you think is the level of risk that you require?\n\nYeah. Yeah. I got what you're saying. Yeah. Sounds good.\n\nMhmm. Yes. Okay. Yeah. Makes sense.\n\nHow's it look how's it looking in, like, the the the sorry. The housing, the what do I say? Property investing in property. Just because I was saying that that that's starting to do a bit of a downturn in Australia. Yes.\n\nI take the least, sir. Okay. Yeah. I must've got my investment property so the rent will return. So it's a it's a another income stream.\n\nI'd I'd like to keep it. The selling it's always the the sort of plan b if I had to. So I'd I'd prefer to keep the investment. No. That's fine.\n\nWhat would what's the fee structure going to for the over 200,000? Do you know what that is yet? I think I got a good time before I hit part numbers. Nope. That's fine.\n\nCool. Mhmm. Yeah. Sounds good. I time flies.\n\nI just thought I've done it last year. Oh, I'd love to stop working right now, but that's not gonna happen. I I'm just going with 65 because that's probably realistic. Yeah. I'm not sure.\n\nI'm hoping to assume that I've got no mortgage by then, so it would be just covering standard stuff. But also, yeah, hoping to have that investment property too. So I'd still be looking at, you know, driver fees and land tax and all that sort of stuff. Fun stuff. Yeah.\n\nYeah. We I would like us to have that income stream. I'm happy with just the one at the moment. Yeah. I don't have any plans there.\n\nNeed to fix up my house. Well, I'm just in the process of changing that over. So I will have a 2015 Subaru Outback. I'm just doing the rego changeover to my dad's old car. So I actually don't know how much that's worth, but I'm gonna I have to look up my car's guide, wouldn't I?\n\nOkay. Just I'm googling it. There you go. Australian market currently valued between 1,600 and 19,000 depending on condition and trim. I'll check-in the middle there, 15,000.\n\nYeah. I'm sitting at 90 at the moment, but I'm about to check a whole bunch against the home loan. So I'll probably have about 40 after that. It's gonna, yeah, go against the home loan. So and then the leftover 40 isn't off rate.\n\nYeah. That's that's the plan. Don't those chickens count? No. No.\n\nI think that's probably it. I'm pretty okay with, yeah, where we're we're at at the moment. So well, could you just say the example again? I think I've missed a bit. Oh, yeah.\n\nThe beginning. Sorry. Yeah. I'd probably be in the middle option. Yeah.\n\nYeah. I sort of like to think I'd be between the first option and the second option. Probably, you know, to give you an answer, I'll say the the the second option. But I'd sort of, like, put myself on the 72% scale, shall we say? Yeah.\n\nOkay. Mhmm. Yeah. That sounds good. Hello.\n\nI don't, and I know I need one. Every time I look into it, it's let's just say it's a bit dizzying. Yeah. That'd be good. Well, until I have a will, I probably I would say go to my partner.\n\nYes, please. Nope. I think I'm good. Not really. Like I said, I'm just trying to make sure I got enough money to do some renovation going forward and yeah.\n\nYep. Yeah. Friday is usually my best day. Yep. I just yeah.\n\nNo. I don't have anything tomorrow. All day is good, so whatever suits. Yeah. That works.\n\nOkay. I'm good. Oh, no. I'm working, and I'm now watching it rain. Yeah.\n\nI don't think that's gonna happen, but we can only hope. Okay. Thank you. Yeah.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.12,"end":1.52,"sentiment":"neutral","sentiment_score":0.017391331493854523},{"text":"Emma speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.0207778075709939},{"text":"Yeah.","start":15.12,"end":15.44,"sentiment":"neutral","sentiment_score":0.2512681484222412},{"text":"Perfect.","start":15.44,"end":15.94,"sentiment":"positive","sentiment_score":0.4874265193939209},{"text":"Yep.","start":32.010002,"end":32.41,"sentiment":"neutral","sentiment_score":0.11689689755439758}],"sentiment":"neutral","sentiment_score":0.15242308533440033,"num_words":6,"start":1.12,"end":32.41},{"sentences":[{"text":"Go ahead.","start":32.41,"end":33.07,"sentiment":"neutral","sentiment_score":0.17364301532506943},{"text":"Yeah.","start":43.85,"end":44.35,"sentiment":"neutral","sentiment_score":0.04135959967970848},{"text":"Emily 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is.","start":577.93,"end":579.85004,"sentiment":"neutral","sentiment_score":0.15058418177068233},{"text":"It's been pretty stable there.","start":579.85004,"end":590.20496,"sentiment":"neutral","sentiment_score":0.2974779039621353}],"sentiment":"neutral","sentiment_score":0.08027491215113047,"num_words":37,"start":553.965,"end":590.20496},{"sentences":[{"text":"Mhmm.","start":604.42,"end":604.92,"sentiment":"neutral","sentiment_score":-0.02707439474761486},{"text":"Yes.","start":644.525,"end":645.025,"sentiment":"neutral","sentiment_score":-0.026357728987932205},{"text":"Yeah.","start":670.955,"end":671.275,"sentiment":"neutral","sentiment_score":-0.12663382291793823},{"text":"Pretty much.","start":671.275,"end":671.935,"sentiment":"neutral","sentiment_score":-0.17752785980701447},{"text":"I have no 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places than we did ten years ago.","start":912.31,"end":915.45,"sentiment":"neutral","sentiment_score":-0.0713139506322997}],"sentiment":"neutral","sentiment_score":-0.04966204660013318,"num_words":56,"start":874.795,"end":915.45},{"sentences":[{"text":"Oh, they're they're they're going off averages and yeah.","start":925.005,"end":927.905,"sentiment":"neutral","sentiment_score":-0.023076644788185757},{"text":"Something a bit meta.","start":966.44,"end":968.44,"sentiment":"neutral","sentiment_score":-0.2530737668275833},{"text":"I don't know.","start":968.44,"end":969.25995,"sentiment":"neutral","sentiment_score":-0.2351522445678711},{"text":"Well, yeah, mortgages is a minimum.","start":999.375,"end":1001.39496,"sentiment":"neutral","sentiment_score":-0.011595817282795906},{"text":"If it was with permanent disability, I think there'd need to be a bit more on that 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wage.","start":1193.1151,"end":1196.8151,"sentiment":"neutral","sentiment_score":0.10024398739915341},{"text":"Because I get overtime.","start":1197.515,"end":1198.7351,"sentiment":"neutral","sentiment_score":-0.02211815258488059},{"text":"So I'm I'm about I'm about a 130 all up.","start":1199.035,"end":1205.03,"sentiment":"neutral","sentiment_score":0.013916557095944882},{"text":"What is my base wage?","start":1207.41,"end":1208.45,"sentiment":"neutral","sentiment_score":0.017496271058917046}],"sentiment":"neutral","sentiment_score":0.03615718326043515,"num_words":42,"start":1180.9401,"end":1208.45},{"sentences":[{"text":"That's a good question.","start":1208.45,"end":1209.59,"sentiment":"neutral","sentiment_score":0.2859891876578331},{"text":"I can remember how to look up a pay slip.","start":1212.37,"end":1214.21,"sentiment":"neutral","sentiment_score":0.1444707490503788},{"text":"That would work.","start":1214.21,"end":1215.11,"sentiment":"neutral","sentiment_score":0.20924130082130432},{"text":"Convoluted systems that we have.","start":1218.575,"end":1220.755,"sentiment":"neutral","sentiment_score":0.06790531724691391},{"text":"I don't make it easy.","start":1224.815,"end":1226.035,"sentiment":"neutral","sentiment_score":-0.19197255074977876}],"sentiment":"neutral","sentiment_score":0.09615007318832257,"num_words":27,"start":1208.45,"end":1226.035},{"sentences":[{"text":"Let me have a look.","start":1226.175,"end":1227.235,"sentiment":"neutral","sentiment_score":-0.059522435814142224},{"text":"114.","start":1305.855,"end":1308.355,"sentiment":"neutral","sentiment_score":-0.023301102221012115},{"text":"That's the 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fine.","start":1516.945,"end":1517.6849,"sentiment":"neutral","sentiment_score":-0.037973493337631226}],"sentiment":"neutral","sentiment_score":0.0581379197537899,"num_words":6,"start":1492.2749,"end":1517.6849},{"sentences":[{"text":"Yeah.","start":1517.745,"end":1518.065,"sentiment":"neutral","sentiment_score":0.0008981209248304367},{"text":"No.","start":1518.065,"end":1518.385,"sentiment":"neutral","sentiment_score":-0.04320776462554931},{"text":"I'm happy to go with 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to.","start":2362.525,"end":2365.7249,"sentiment":"neutral","sentiment_score":-0.05786802060902119},{"text":"So I'd I'd prefer to keep the investment.","start":2365.7249,"end":2367.6648,"sentiment":"neutral","sentiment_score":-0.02135942247696221},{"text":"No.","start":2455.69,"end":2455.93,"sentiment":"neutral","sentiment_score":-0.0850527435541153},{"text":"That's fine.","start":2455.93,"end":2456.75,"sentiment":"neutral","sentiment_score":0.05130404233932495}],"sentiment":"neutral","sentiment_score":-0.03256770469728978,"num_words":31,"start":2360.525,"end":2456.75},{"sentences":[{"text":"What would what's the fee structure going to for the over 200,000?","start":2457.29,"end":2461.7751,"sentiment":"neutral","sentiment_score":-0.019426345359534025},{"text":"Do you know what that is yet?","start":2462.235,"end":2463.695,"sentiment":"neutral","sentiment_score":-0.023854152166417668},{"text":"I think I got a good time before I hit part 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sure.","start":2744.64,"end":2745.6199,"sentiment":"neutral","sentiment_score":0.0016953181475400936}],"sentiment":"neutral","sentiment_score":-0.09330324493348599,"num_words":35,"start":2685.115,"end":2745.6199},{"sentences":[{"text":"I'm hoping to assume that I've got no mortgage by then, so it would be just covering standard stuff.","start":2746.24,"end":2756.445,"sentiment":"neutral","sentiment_score":0.0027053786049547946},{"text":"But also, yeah, hoping to have that investment property too.","start":2756.445,"end":2759.165,"sentiment":"neutral","sentiment_score":0.10942264795303344},{"text":"So I'd still be looking at, you know, driver fees and land tax and all that sort of stuff.","start":2759.165,"end":2763.825,"sentiment":"neutral","sentiment_score":0.06359036168769787},{"text":"Fun stuff.","start":2775.97,"end":2777.19,"sentiment":"neutral","sentiment_score":0.11956652253866196},{"text":"Yeah.","start":2777.81,"end":2778.1301,"sentiment":"neutral","sentiment_score":0.021411407738924023}],"sentiment":"neutral","sentiment_score":0.051262548978568294,"num_words":51,"start":2746.24,"end":2778.1301},{"sentences":[{"text":"Yeah.","start":2778.1301,"end":2778.45,"sentiment":"neutral","sentiment_score":0.1785776913166046},{"text":"We I would like us to have that income stream.","start":2778.45,"end":2780.685,"sentiment":"positive","sentiment_score":0.3923796504735947},{"text":"I'm happy with just the one at the moment.","start":2789.645,"end":2791.245,"sentiment":"neutral","sentiment_score":0.12766185071733263},{"text":"Yeah.","start":2791.245,"end":2791.645,"sentiment":"neutral","sentiment_score":-0.08243785798549652},{"text":"I don't have any plans there.","start":2791.645,"end":2793.185,"sentiment":"neutral","sentiment_score":-0.1432360547284285}],"sentiment":"neutral","sentiment_score":0.1596102468945362,"num_words":27,"start":2778.1301,"end":2793.185},{"sentences":[{"text":"Need to fix up my house.","start":2796.61,"end":2797.99,"sentiment":"neutral","sentiment_score":0.02865906059741974},{"text":"Well, I'm just in the process of changing that over.","start":2820.45,"end":2822.45,"sentiment":"neutral","sentiment_score":0.023642218299210073},{"text":"So I will have a 2015 Subaru Outback.","start":2822.45,"end":2827.75,"sentiment":"neutral","sentiment_score":0.03921453841030598},{"text":"I'm just doing the rego changeover to my dad's old car.","start":2829.65,"end":2834.13,"sentiment":"neutral","sentiment_score":0.23846274614334106},{"text":"So I actually don't know how much that's worth, but I'm gonna I have to look up my car's guide, wouldn't I?","start":2834.13,"end":2843.175,"sentiment":"neutral","sentiment_score":0.01595127246533097}],"sentiment":"neutral","sentiment_score":0.0648440536083,"num_words":57,"start":2796.61,"end":2843.175},{"sentences":[{"text":"Okay.","start":2844.9949,"end":2845.4949,"sentiment":"neutral","sentiment_score":0.016695469617843628},{"text":"Just I'm googling it.","start":2852.86,"end":2854.32,"sentiment":"neutral","sentiment_score":0.03053863998502493},{"text":"There you go.","start":2865.565,"end":2866.125,"sentiment":"neutral","sentiment_score":0.025460274269183476},{"text":"Australian market currently valued between 1,600 and 19,000 depending on condition and trim.","start":2866.125,"end":2872.865,"sentiment":"neutral","sentiment_score":0.036994290323211595},{"text":"I'll check-in the middle there, 15,000.","start":2874.765,"end":2876.785,"sentiment":"neutral","sentiment_score":0.04654026962816715}],"sentiment":"neutral","sentiment_score":0.036125860901342496,"num_words":27,"start":2844.9949,"end":2876.785},{"sentences":[{"text":"Yeah.","start":2888.15,"end":2888.55,"sentiment":"neutral","sentiment_score":0.0031489748507738113},{"text":"I'm sitting at 90 at the moment, but I'm about to check a whole bunch against the home loan.","start":2888.55,"end":2892.6301,"sentiment":"neutral","sentiment_score":0.0024032850235112405},{"text":"So I'll probably have about 40 after that.","start":2892.6301,"end":2895.635,"sentiment":"neutral","sentiment_score":0.02045314130373299},{"text":"It's gonna, yeah, go against the home loan.","start":2906.415,"end":2908.495,"sentiment":"neutral","sentiment_score":-0.00955130229704082},{"text":"So and then the leftover 40 isn't off rate.","start":2908.495,"end":2921.25,"sentiment":"neutral","sentiment_score":0.0031837540575199654}],"sentiment":"neutral","sentiment_score":0.0036595530859712096,"num_words":45,"start":2888.15,"end":2921.25},{"sentences":[{"text":"Yeah.","start":2923.55,"end":2923.87,"sentiment":"neutral","sentiment_score":0.01237392984330654},{"text":"That's that's the plan.","start":2923.87,"end":2929.925,"sentiment":"neutral","sentiment_score":0.2798428535461426},{"text":"Don't those chickens count?","start":2944.5598,"end":2946.02,"sentiment":"neutral","sentiment_score":-0.06390878418460488},{"text":"No.","start":2947.28,"end":2947.78,"sentiment":"neutral","sentiment_score":-0.14504897594451904},{"text":"No.","start":2954.545,"end":2954.785,"sentiment":"neutral","sentiment_score":-0.16846615076065063}],"sentiment":"neutral","sentiment_score":0.05114500732584433,"num_words":11,"start":2923.55,"end":2954.785},{"sentences":[{"text":"I think that's probably it.","start":2954.785,"end":2956.1648,"sentiment":"neutral","sentiment_score":-0.1827298253774643},{"text":"I'm pretty okay with, yeah, where we're we're at at the moment.","start":2980.575,"end":2984.035,"sentiment":"neutral","sentiment_score":0.12946643866598606},{"text":"So well, could you just say the example again?","start":3015.49,"end":3017.1702,"sentiment":"neutral","sentiment_score":-0.014760919536153475},{"text":"I think I've missed a bit.","start":3017.1702,"end":3018.47,"sentiment":"neutral","sentiment_score":-0.10439024865627289},{"text":"Oh, yeah.","start":3025.6501,"end":3027.01,"sentiment":"neutral","sentiment_score":-0.022491537034511566}],"sentiment":"neutral","sentiment_score":-0.004830138374339132,"num_words":34,"start":2954.785,"end":3027.01},{"sentences":[{"text":"The beginning.","start":3027.01,"end":3027.6501,"sentiment":"neutral","sentiment_score":-0.027015128172934055},{"text":"Sorry.","start":3027.6501,"end":3028.1501,"sentiment":"neutral","sentiment_score":-0.0335213840007782},{"text":"Yeah.","start":3040.6748,"end":3041.1748,"sentiment":"neutral","sentiment_score":-0.010429608635604382},{"text":"I'd probably be in the middle option.","start":3041.795,"end":3049.59,"sentiment":"neutral","sentiment_score":-0.023870115833623067},{"text":"Yeah.","start":3049.59,"end":3050.09,"sentiment":"neutral","sentiment_score":0.06063622608780861}],"sentiment":"neutral","sentiment_score":-0.01703631947748363,"num_words":12,"start":3027.01,"end":3050.09},{"sentences":[{"text":"Yeah.","start":3083.44,"end":3083.84,"sentiment":"neutral","sentiment_score":0.02716236747801304},{"text":"I sort of like to think I'd be between the first option and the second option.","start":3083.84,"end":3089.1948,"sentiment":"neutral","sentiment_score":0.027614756138063967},{"text":"Probably, you know, to give you an answer, I'll say the the the second option.","start":3089.1948,"end":3093.275,"sentiment":"neutral","sentiment_score":0.035674910495678586},{"text":"But I'd sort of, like, put myself on the 72% scale, shall we say?","start":3093.275,"end":3097.41,"sentiment":"neutral","sentiment_score":0.02557858152847205},{"text":"Yeah.","start":3109.97,"end":3110.47,"sentiment":"neutral","sentiment_score":0.022306835278868675}],"sentiment":"neutral","sentiment_score":0.02945806595318495,"num_words":47,"start":3083.44,"end":3110.47},{"sentences":[{"text":"Okay.","start":3111.17,"end":3111.67,"sentiment":"neutral","sentiment_score":0.035142168402671814},{"text":"Mhmm.","start":3120.155,"end":3120.655,"sentiment":"neutral","sentiment_score":0.0765049010515213},{"text":"Yeah.","start":3144.185,"end":3144.665,"sentiment":"positive","sentiment_score":0.4199605286121368},{"text":"That sounds good.","start":3144.665,"end":3145.885,"sentiment":"positive","sentiment_score":0.6335190931955973},{"text":"Hello.","start":3175.085,"end":3175.585,"sentiment":"neutral","sentiment_score":0.05631103366613388}],"sentiment":"positive","sentiment_score":0.35549655875989367,"num_words":7,"start":3111.17,"end":3175.585},{"sentences":[{"text":"I don't, and I know I need one.","start":3187.96,"end":3189.98,"sentiment":"neutral","sentiment_score":-0.1991922240704298},{"text":"Every time I look into it, it's let's just say it's a bit dizzying.","start":3190.715,"end":3194.495,"sentiment":"neutral","sentiment_score":-0.15228553967816488},{"text":"Yeah.","start":3219.385,"end":3219.705,"sentiment":"neutral","sentiment_score":0.1828252375125885},{"text":"That'd be good.","start":3219.705,"end":3220.605,"sentiment":"positive","sentiment_score":0.3593513071537018},{"text":"Well, until I have a will, I probably I would say go to my partner.","start":3236.76,"end":3241.995,"sentiment":"neutral","sentiment_score":-0.004127318412065506}],"sentiment":"neutral","sentiment_score":-0.0616235601284155,"num_words":41,"start":3187.96,"end":3241.995},{"sentences":[{"text":"Yes, please.","start":3252.135,"end":3252.96,"sentiment":"neutral","sentiment_score":0.061644330620765686},{"text":"Nope.","start":3274.8152,"end":3275.2952,"sentiment":"neutral","sentiment_score":0.029431914910674095},{"text":"I think I'm good.","start":3275.2952,"end":3276.435,"sentiment":"neutral","sentiment_score":0.2825409322977066},{"text":"Not really.","start":3286.67,"end":3287.47,"sentiment":"neutral","sentiment_score":-0.06495695561170578},{"text":"Like I said, I'm just trying to make sure I got enough money to do some renovation going forward and yeah.","start":3287.47,"end":3297.7449,"sentiment":"neutral","sentiment_score":-0.017461251157025497}],"sentiment":"neutral","sentiment_score":0.026209470660736162,"num_words":30,"start":3252.135,"end":3297.7449},{"sentences":[{"text":"Yep.","start":3335.84,"end":3336.34,"sentiment":"neutral","sentiment_score":0.3023846745491028},{"text":"Yeah.","start":3356.19,"end":3356.69,"sentiment":"neutral","sentiment_score":0.10635361075401306},{"text":"Friday is usually my best day.","start":3357.3098,"end":3359.41,"sentiment":"neutral","sentiment_score":0.13321034982800484},{"text":"Yep.","start":3378.7598,"end":3379.2598,"sentiment":"neutral","sentiment_score":-0.003336659399792552},{"text":"I just yeah.","start":3379.5598,"end":3380.3599,"sentiment":"neutral","sentiment_score":-0.023537253960967064}],"sentiment":"neutral","sentiment_score":0.0945043302490376,"num_words":12,"start":3335.84,"end":3380.3599},{"sentences":[{"text":"No.","start":3380.3599,"end":3380.44,"sentiment":"neutral","sentiment_score":-0.11269211769104004},{"text":"I don't have anything tomorrow.","start":3380.44,"end":3381.5798,"sentiment":"neutral","sentiment_score":-0.10317473709583283},{"text":"All day is good, so whatever suits.","start":3394.695,"end":3397.435,"sentiment":"neutral","sentiment_score":0.15265910433871405},{"text":"Yeah.","start":3406.2952,"end":3406.5352,"sentiment":"neutral","sentiment_score":0.3248959481716156},{"text":"That works.","start":3406.5352,"end":3407.3552,"sentiment":"positive","sentiment_score":0.5087763667106628}],"sentiment":"neutral","sentiment_score":0.11140603804960847,"num_words":16,"start":3380.3599,"end":3407.3552},{"sentences":[{"text":"Okay.","start":3427.565,"end":3428.065,"sentiment":"neutral","sentiment_score":0.2670721113681793},{"text":"I'm good.","start":3428.125,"end":3428.785,"sentiment":"positive","sentiment_score":0.5464814901351929},{"text":"Oh, no.","start":3435.73,"end":3435.9702,"sentiment":"neutral","sentiment_score":-0.1162303239107132},{"text":"I'm working, and I'm now watching it rain.","start":3435.9702,"end":3438.87,"sentiment":"neutral","sentiment_score":-0.10798355098813772},{"text":"Yeah.","start":3448.1301,"end":3448.45,"sentiment":"neutral","sentiment_score":-0.05225491523742676}],"sentiment":"neutral","sentiment_score":0.015103651476757867,"num_words":14,"start":3427.565,"end":3448.45},{"sentences":[{"text":"I don't think that's gonna happen, but we can only hope.","start":3448.45,"end":3450.95,"sentiment":"neutral","sentiment_score":-0.24055041101845828},{"text":"Okay.","start":3461.7048,"end":3462.025,"sentiment":"positive","sentiment_score":0.4273642599582672},{"text":"Thank you.","start":3462.025,"end":3462.6929,"sentiment":"positive","sentiment_score":0.6048022508621216},{"text":"Yeah.","start":3466.533,"end":3467.033,"sentiment":"neutral","sentiment_score":-0.09323766082525252}],"sentiment":"neutral","sentiment_score":-0.07348822802305222,"num_words":15,"start":3448.45,"end":3467.033}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Emma speaking.\n\nChannel 0: Hi, Emma. It's Dana from Oakley Financial. How are you this morning? Doing very well. Thank you.\n\nI had people looking to go through your annual review this morning. Is that still a good time there for you?\n\nChannel 1: Yeah. Perfect.\n\nChannel 0: Oh, fantastic. How's your week been so far? Oh, good. Emma, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to meet everything with that?\n\nChannel 1: Yep. Go ahead.\n\nChannel 0: Fantastic. And just to do security there with you, so we are discussing your personal information. So I just need to confirm for me your full name, your date of birth, and address I should have on file there.\n\nChannel 1: Yeah. Emily Proctor. 12/05/2009\n\nChannel 0: Yep.\n\nChannel 1: 83 At 5 Zara Court, Frankston, Victoria.\n\nChannel 0: Beautiful. I heard it was sunny in Victoria yesterday. How is the weather today?\n\nChannel 1: Yeah. It's all cloudy and trying to rain.\n\nChannel 0: Oh, no. Oh, you know, I'm actually going down there on most of the family holiday in a couple of weeks, and I was like, I didn't even know how to pack, but just my brother-in-law has said pack for every weather under the sun. So\n\nChannel 1: Yes. Yeah. It's it was sunny yesterday afternoon. Now it's windy. It's gonna rain heat tomorrow or something, or is it Saturday?\n\nYeah.\n\nChannel 0: oh, you poor thing. I couldn't imagine that. Like, I mean, here in Queensland, all it's done is, like, rain on and off, but it's definitely not as bad as what you guys get down there. You seem to get a different different season every two or three hours down there or every hour.\n\nChannel 1: Yep. It's definitely changeable in Olin.\n\nChannel 0: All good. Well, and I know you are busy, so I was trying to take too much of your time, but just to run through your annual review there, we do normally send through some documents for you to review as well. Are you able to access your email, sir, at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. I'm just gonna send an email to you there now. Your email is still at emma_cruising@hotmail.com. Is that right?\n\nChannel 1: Yep. That's right.\n\nChannel 0: Fantastic. I've just sent that one through to you there. It often comes through from dana@ocfinancial and or sometimes\n\nChannel 1: Mhmm.\n\nChannel 0: it just says Odoo.\n\nChannel 1: Yep. Got that.\n\nChannel 0: Fantastic. So if you open up the email, it has a button that says click here to start. I believe that's the button that says. If you click on that button, it'll, like, go through so you can see the summary of your superannuation and insurance currently.\n\nChannel 1: Got so I had two emails come through at the same time.\n\nChannel 0: Oh, you're absolutely fine.\n\nChannel 1: I think that's unrelated. So I've got a a sign document button.\n\nChannel 0: Yeah. That's the one. I'm so sorry. This is a new system, so I haven't actually seen what you see yet. I do apologize.\n\nChannel 1: Yeah. Yeah. I know what that's like. Because, like, I don't know what it looks like because I'm in the back end. I'm\n\nChannel 0: Yeah. I'm like, let's send me something to sign, but there's, like, nothing. I get a random document. I'm trying to press it, and then someone tells me they've changed or updated something and it's different to what I'm used to. And I'm like, oh, no.\n\nChannel 1: just going into it. I think it's loading.\n\nChannel 0: Yeah. You're abs you're absolutely\n\nChannel 1: I\n\nChannel 0: fine.\n\nChannel 1: hit a time, mate.\n\nChannel 0: The rain might be affecting your emails too.\n\nChannel 1: The edge of my computer might be affecting it. Doing weird stuff. I might try this a little bit differently. Give me a sec.\n\nChannel 0: Yeah. You're fine.\n\nChannel 1: That's better. Okay.\n\nChannel 0: Got it there. Perfect.\n\nChannel 1: Yep. I'm on page one.\n\nChannel 0: Excellent. So when I have a look back at your annual review last year, your balance when you have 24 then was $272,009.57. And within a West Supa there, you had about $9,778.41. So West Supa hasn't really have much of a change. There's no contributions going in there.\n\nIt looks like all your contributions are going into Hub '24. So you will see a a decent increase there. But we're also seeing a little bit of growth, albeit this year, we have seen a lot of ups and downs in the market with what has been happening. And I've had a bit of a look at your portfolio because it hasn't really changed in the last couple of years, and I've sort of noticed some areas where we could update or change your portfolio for you. So I'd love to provide some advice to kind of build on that, make some changes to your portfolio, and keep it working hard and long term for you.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: I'll go here with you in a second when you can see, though. It's not underneath that with your Aware super, that's a solely essentially being kept open to keep your insurances in place there. Your\n\nChannel 1: Mhmm.\n\nChannel 0: insurance cover within Aware is more of a it says level, but it's actually more of a group cover because it has definitely decreased. So your life cover and CPD that you had last year within AWARE was at a a sum insured of 348,600, whereas it has decreased while it's just 331,000 here. These sorts of covers do tend to decrease over time. Realistically, it's not a bad thing because, I mean, you wanna pay a little bit less. This has cost you more this year for the decrease than last year for the insurance premium, but it's also making sure that you have the level of cover that you're after as well.\n\nSo when you sort of think about your life cover, if you were to pass away today and I'm sorry. It gets a little bit morbid. But if you were to pass away today, the 331,000 can be paid out to your beneficiaries, and then you've also got your super benefit paid on top of that. So currently, it's giving an approx figure of about 651,361 and 80 oh, sorry. 68¢ as a life insurance benefit.\n\nThinking about that level of cover, does that feel appropriate, or did you wanna kinda reassess that? And if you were to pass away today, what do you want that to cover? Who do you want it to go to?\n\nChannel 1: Well, let me go to my partner, my Select, please.\n\nChannel 0: Yep. Yep. Beautiful. That's Scott.\n\nChannel 1: Yes. Go\n\nChannel 0: Yep. Beautiful. I can see here that you do have your main primary residence and a couple of investment properties there as well. Do you still have those three properties?\n\nChannel 1: just two properties. So I've got my my house that I live in, and then I got one apartment that's an investment.\n\nChannel 0: Mhmm. Okay. No. That's alright. Is that in Preston?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. That's perfect. I'll just delete the other one here. It looks like it might have been noted down to five from the past, so it's absolutely fine. So I'll just delete that for you.\n\nSo, realistically, now if you think about that that 651,000, how much do you have owing on your main primary residence currently?\n\nChannel 1: About that. Yeah.\n\nChannel 0: About 651,000\n\nChannel 1: I think so. Yeah. All up between\n\nChannel 0: or six\n\nChannel 1: the two\n\nChannel 0: fifty\n\nChannel 1: of\n\nChannel 0: ish.\n\nChannel 1: them. Like, between\n\nChannel 0: Yes.\n\nChannel 1: it doesn't probably\n\nChannel 0: Oh,\n\nChannel 1: in the house. Yeah.\n\nChannel 0: between the two.\n\nChannel 1: Yep.\n\nChannel 0: Yes. That's definitely fine. So, realistically, that level of cover could pay off those loans. That would mean that Scott could continue working, live debt free from the investment property, still collect income, or it could just pay off one or either of them and allow for a little bit of extra, you know, a buffer for him as well. How\n\nChannel 1: Yeah.\n\nChannel 0: do you sort of feel about that level of cover? Does it feel like it meets your needs, or did you wanna kinda reevaluate that at all?\n\nChannel 1: No. That sounds good.\n\nChannel 0: That sounds okay? Yep. Beautiful. And so you said it's about 650,000 owing between the two properties. If you broke that up to each property, how much are you owing on the main primary residence as opposed to the investment property?\n\nSorry. You're right. Sorry. You're fine.\n\nChannel 1: Where am I? So the main property is, like, 400,000 on that owing.\n\nChannel 0: Yep.\n\nChannel 1: And then, like,\n\nChannel 0: And\n\nChannel 1: 200\n\nChannel 0: the roughly\n\nChannel 1: and\n\nChannel 0: $2.60 on the other.\n\nChannel 1: yeah. That's right.\n\nChannel 0: Yep. Beautiful. Update those for you. Asset value in your main primary residence. You have that valued at about $7.30 last year.\n\nWould you increase or alter the value on that currently, do you think?\n\nChannel 1: Yeah. I'd I'd up that just based on what's going like, what's selling around the the suburb. I'd probably\n\nChannel 0: Yeah.\n\nChannel 1: pay that to, like, 800.\n\nChannel 0: 800,000. Beautiful. Excellent. And with the property in Preston, we had that valued about $4.50 last year. Would you increase that value there as well?\n\nChannel 1: I'd probably keep that one where it is. It's been pretty\n\nChannel 0: Yep. That's perfect. Excellent. So for BC life cover, you're sort of happy with that level of cover you have at the\n\nChannel 1: stable\n\nChannel 0: moment\n\nChannel 1: there.\n\nChannel 0: there. Now with your PCD, your total permanent disability cover, that would be paid out as a lump sum or an income stream in the event that you were never able to go back to work again. Say you had some sort of disability, a car accident, and you were never able to go back to work again.\n\nChannel 1: Mhmm.\n\nChannel 0: In order to meet the definition for TBD, isn't any definition that means that you must never be able to go back to work for any occupation for which you have worked, educated, or trained. And if you were to claim TBD, just so you're fully aware of how TBD works, if you're under the age of 60 and you have TBD fully paid out, you can actually pay tax of up to 22% on the payout, which reduces how much you could receive after the fact, which is terrible and not fair in any way, shape, or form. But if you were to also claim on TBD, other permanent incapacity, we can also\n\nChannel 1: Yes.\n\nChannel 0: claim against your super. So it does mean, theoretically, before any tax consequences, you're still covered for that $651,003.61 and 68¢. Do you feel like at the moment that's an appropriate level of cover? Would you wanna kind of reevaluate that? And what sort of what would you how would you think that money would be used if you were TBD?\n\nSorry. I asked all the questions you probably never thought of.\n\nChannel 1: Yeah. Pretty much. I have no\n\nChannel 0: Tough\n\nChannel 1: idea.\n\nChannel 0: one, isn't\n\nChannel 1: It is a tough one. Like, you don't really know what\n\nChannel 0: it?\n\nChannel 1: what you're gonna need in those circumstances.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. Because I guess everything in my head is, like, you know, what what am I gonna have for retirement? So I'm thinking about, you know, way way down the track, having enough money to retire on, not\n\nChannel 0: Absolutely. And\n\nChannel 1: necessarily,\n\nChannel 0: that's the other\n\nChannel 1: like, how do I\n\nChannel 0: definitely.\n\nChannel 1: how do I fund my life while not working?\n\nChannel 0: Cover you. Absolutely. And that's probably the toughest part because having insurance is paid out of super is good because it means you're paying those premiums out of your back pocket, but it also means that those premiums are coming out of your super contributions and the growth. So it does have an effect long term on how much super you end up with and, you know, making sure that we can review the insurances and decrease them or alter them over time because they're not because they do increase in price. I mean, if you look at the the cover last year, as I kinda mentioned, is you had about 348,000 of life and TBD.\n\nIt's decreased to 331,050, even though where. But last year, you paid a thousand and 57 for the insurance premium for the year. If this year, you're paying a thousand 117. So within the industry funds, these insurances are decreasing, but it looks like your the amount you're paying because the risk of you claiming is becoming increasingly higher over time.\n\nChannel 1: Mhmm.\n\nChannel 0: And that that also has an effect on your super. So we definitely wanna make sure we review those with you. But do you think the now CBD would be appropriate? Did you wanna have a think about it? What's your thought?\n\nChannel 1: I really don't know. I mean, I feel like default is what I've currently got because I don't know any better.\n\nChannel 0: Yeah. Did you want me to maybe do some research? I can start by maybe going through doing a pre assessment with you, get my calls to a pre assessment, and I could have a look at maybe seeing if there's some better cover out there, looking at trying to consolidate things for you. Would that be something you'd like me to maybe do?\n\nChannel 1: Yeah. You can try. I've had trouble because of my job that not a lot of people wanna cover\n\nChannel 0: Your job. Yeah.\n\nChannel 1: it because,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, it\n\nChannel 0: Absolutely.\n\nChannel 1: doesn't save.\n\nChannel 0: I can sort of see that. So you yeah. I can see you work for the state government in forestry work, so bushfire services. Is that right?\n\nChannel 1: Yeah. That's right.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: But that\n\nChannel 0: If\n\nChannel 1: firefighting\n\nChannel 0: I was\n\nChannel 1: aspect\n\nChannel 0: to\n\nChannel 1: is\n\nChannel 0: go and look.\n\nChannel 1: yeah.\n\nChannel 0: I'm happy to do it. I think it's, yeah. I have had a couple of clients where I have gotten them wife and TDD and income protection based on being a firefighter. So there could have definitely been some changes in occupation standard. I would love to, get one of my colleagues over the next couple of weeks to do a bit of a pre assessment with you, and I can go back and reassess all of that and see what I can do to put you in a better position, maybe get a level of insurance that's not gonna keep decreasing over time and see what we can do as a comparison for you and update the advice to reflect.\n\nAre you comfortable with me doing that for you?\n\nChannel 1: Yeah. That's fine. Yeah. I I actually think it's amusing that\n\nChannel 0: Yeah.\n\nChannel 1: they that it's changing because they think the likelihood of me claiming it is getting higher, whereas I would argue I actually do more safe stuff now than I used to.\n\nChannel 0: Yeah. Yeah. Yeah. I have I have that argument with an insurer the other week. You know, like, yes.\n\nYou've got this risk level that you assess, but when you think about some of these high risk occupations, they actually have so many safety measures in place that it's probably safer than going to work than me going and sitting in an office. So, you know,\n\nChannel 1: Yeah.\n\nChannel 0: the the\n\nChannel 1: We\n\nChannel 0: risk\n\nChannel 1: we offer\n\nChannel 0: of you\n\nChannel 1: it\n\nChannel 0: guys\n\nChannel 1: a lot\n\nChannel 0: claiming\n\nChannel 1: more places than we did\n\nChannel 0: is\n\nChannel 1: ten years\n\nChannel 0: probably\n\nChannel 1: ago.\n\nChannel 0: lower. Yeah. Yeah. No. I I absolutely agree with that.\n\nAnd the insurer just looked at me and went, yeah. Look. I don't disagree with you.\n\nChannel 1: Oh, they're they're they're going off averages and yeah.\n\nChannel 0: They are. They are. And they have reinsurers. So, essentially, when the underwriters assess an application, they're also then providing the application and the information to their reinsurers. So they're insuring you for the risk of you having to claim, but then they're insuring themselves for the risk of you having to claim, and that insurance, they're insuring themselves.\n\nSo it's just insurance on top of insurance on top of insurance. Every provider is reinsuring themselves for the risk of you claiming down the bottom here. It's a really interesting cycle to look at, and I was like, this is truly insane. No wonder insurance premiums cost so much. Just everyone is just insuring themselves for the for the policy.\n\nChannel 1: Something a bit meta. I don't know.\n\nChannel 0: No. All good. Well, if I do go back and and have a look at the insurance, it's going to see what I'm able to obtain. See if I can maybe consolidate your supers and see what we can do to kind of benefit your super moving forward. Did you want me to look at the same level of life and TDD, or did you just want me to maybe look at the enough to cover both the mortgages?\n\nWhat would you want to cover in the event of a life and or total permanent disability event that you would like me to look at for you?\n\nChannel 1: Well, yeah, mortgages is a minimum. If it was with permanent disability, I think there'd need to be a bit more on that\n\nChannel 0: Yeah. Would you like me to gross it up for maybe the 22 percent tax aspect? So in the event of a claim, we\n\nChannel 1: too.\n\nChannel 0: consider and look. Honestly, if you were to claim, we would try to keep the money invested. So a lot of people do pull all the money out as a whole, and that's where that 22 tax can really kinda get a hold of you. The tax is up to 22%. It could be less than that.\n\nIt's just that we don't know because of the math calculation at the time of claim. It determines the actual taxable component. So we utilize the 22% because this is the worst case scenario that you could see. But\n\nChannel 1: Yes.\n\nChannel 0: we would also provide advice to try and keep as much money invested working harder because given your age I mean, you're 42 this forty forty three this year in December, so 42 years of age now. Do you still have seventeen years before you can access super at the age of 60. And then if you think about if you were not working, that's to the age of 60, but then there's a whole another lifetime in retirement that has to be funded and and to look after you as well. So we would wanna try and keep as much money invested in the super system or in a way that it's maybe paying your regular income, but still making it work long term for you so that the money lasts as long as possible. Does that make sense?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Grossing up the TBD to a factor in the 22% tax, so maybe look at paying out both the mortgages and factor the tax component for the TBD side of\n\nChannel 1: Yeah. Let's do that.\n\nChannel 0: things? Yeah. Beautiful. Did you wanna look at covering any years worth of income as well, or are you happy to looking at that as a base level of TBD?\n\nChannel 1: I think that is the base level.\n\nChannel 0: Yep. Beautiful. Fantastic. And I can also look at linking life and grossing that up as well. So it might mean you have a bit more life coverage, but it can make the policy cheaper as well.\n\nSo we get things like multi policy discount. So I can\n\nChannel 1: Oh,\n\nChannel 0: look\n\nChannel 1: yeah.\n\nChannel 0: at that for you. Absolutely. Yep. Beautiful. And we you've also got your income protection benefit there.\n\nNow that hasn't changed. You still have the monthly benefit of 3,000 in the event of claiming. Again, income protection is a taxable payment. So if you are on an income protection claim, that monthly benefit is pretax, the same as your income. So, realistically, you're probably looking at about $252.06 as a monthly benefit.\n\nDoes that feel fairly sufficient for you if you weren't able to work in the short term? Would you wanna look at some income protection that might be more sufficient for your age and age? Or\n\nChannel 1: Yeah. Maybe. I would say that after tax, that would be probably the minimum. Might be a little tight to\n\nChannel 0: yep.\n\nChannel 1: yeah.\n\nChannel 0: That you could survive on. Yeah. Income wise, I had you on a 107,000. Has it gone up since we last touched base?\n\nChannel 1: That's a good question, what my base wage is, because I never see my base wage. Because I get overtime. So I'm\n\nChannel 0: Yeah.\n\nChannel 1: I'm about I'm about a 130 all up. What is my base wage? That's a good question. I can remember how to look up a pay slip. That would work.\n\nConvoluted systems that we have.\n\nChannel 0: Yeah.\n\nChannel 1: I don't make it easy. Let me have a look.\n\nChannel 0: No.\n\nChannel 1: 114.\n\nChannel 0: 114. Beautiful.\n\nChannel 1: That's the base. Yep.\n\nChannel 0: So So if I look out so, realistically, with income protection, you can be covered up to 70% of your pretax income. If we're\n\nChannel 1: Mhmm.\n\nChannel 0: working on just your pay, 114,000, that means realistically, we need to look at a, like, a gross monthly benefit of 6,650. Did you want me to look at the income protection and see if I could maybe get that for you and see what it\n\nChannel 1: Yeah. Just for a comparison.\n\nChannel 0: looks\n\nChannel 1: That would be good.\n\nChannel 0: like? Yep. Yeah. Absolutely. Well, what I'll do because there's there's some things I would like to do, you see for as well, so an alteration of some of the investments there for you to kinda keep working harder.\n\nSo I can go back and do the research on the insurances. I can always make a recommendation if I can find, you know, a more appropriate cover that covers your needs. I can always make that recommendation as part of the advice and show you what that looks like. Any advice that you provide is just advice, and then you get to decide whether you wanna take that or not. Does that sound okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Beautiful. Now on the bottom of that, you can see with the income protection, you've got a ninety day waiting period and a two year benefit period. That essentially means that you'd have to be off work the ninety days prior to making a claim and a two year benefit period so you can be on a claim for up to two years.\n\nChannel 1: Okay.\n\nChannel 0: With your occupation, getting a lower waiting period could be very tough. I know with the other insurers out there with your occupation, some of them do have a minimum ninety day waiting period. Are you comfortable with that kind of waiting period?\n\nChannel 1: Yeah. I am.\n\nChannel 0: Yes. Beautiful. And with the two year benefit period, it just means that you can be on a claim for up to two years. So if you're on an income protection claim, and at that two year mark, still can't go back to work. It does mean that the income protection claim will stop regardless.\n\nDid you are you happy with two years to try and keep the policy cheaper, or did you wanna look at a longer benefit period?\n\nChannel 1: Might be good for two years for now.\n\nChannel 0: Two years? Not a problem at all. Beautiful. Well, I will go back and do the the research there for you. Before the end of the call, I'll just book in a time for my colleagues to go through a pre assessment with you, and\n\nChannel 1: Yep.\n\nChannel 0: then I'll go back and do the research to go out to market and see what we can find. And I can update the advice to reflect and show you what it looks like as a whole. And then it'll also have the advantages, the disadvantages, the risks involved, and any alternatives we've also considered. And then you get to decide whether you wanna take the advice or not. How does that sound?\n\nChannel 1: Yes. Perfect.\n\nChannel 0: Beautiful. Fantastic. Emma, if you move to the next document for me, the next one along oh, sorry. Before you do, I just have to have to double check. There are other types of insurances that you can also have that are paid outside of super, like trauma.\n\nAre you open or wanting to look at any additional covers, or are you just happy with the life of keeping in the income protection? Sorry about that.\n\nChannel 1: No. No. That's fine. Yeah. No.\n\nI'm happy to go with that.\n\nChannel 0: Yep. Perfect. Not a problem. I'll scrape that trauma and any additional personal insurance. We'll just focus on what you've got and how we can make that work for you.\n\nBeautiful. Excellent. Now the next page is your is your have 24 internal rate of return. So it's showing you the performance and how your investments have performed for the year. This year, we have seen a lot of ups and downs and volatility with the market there, but as of late, it has sort of smoothed out quite significantly.\n\nIf you're looking at the first page there, you'll see that majority and if you look at the second last column, it's showing you how they've all performed as an internal rate of return, and most things are performing quite nicely. It's more just this Australian equity component at the very top there. So the ban along Australian equity's investment, that has some underlying issues, and it has been underperforming a little bit. I had a look at this prior to the call. I definitely wanna look at removing that from your portfolio now.\n\nSo, normally, we are a bit hesitant about making rash changes to a portfolio when there's an investment underperforming. But the way I sort of look at this is I consider that against the rest of the Australian market. You've also got in your portfolio. You had no. You don't.\n\nThis is much of an older portfolio. But you've also got into the S and P 500, which is up over 9% for the year on its own, which is sort of the one, two, three, four, five, six down there. That investment has done really well, and the rest of the Australian market tends to follow along with suit of the S and P 500 and with The US market. We tend to follow suit with everything that happens. The Australian market as a whole is doing quite well at the moment.\n\nSo to see this investment down pretty heavily and sort of have a look into the investment itself, and it's not got to do with the market for the ups and downs that we are seeing. Unfortunately, the Benelon investment manager hasn't been able to do its job. It hasn't been able to outperform against the market, and they've had some underlying issues with some of the investments they're invested in. So I've made a decision to talk to you about this today, and I definitely wanna look at removing that investment now. I do not think there is a chance it could come back, but I do not think it's gonna be for some time.\n\nAnd I think holding that any longer is just gonna provide. Is not gonna sort of help your portfolio in any way, shape, or form.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So if you're comfortable, I would love to remove that from your portfolio quickly. I'd love to replace it with something else and keep your portfolio working harder for you. Does that make sense? And do you have any questions?\n\nChannel 1: Yep. Makes perfect sense. Sounds good.\n\nChannel 0: Yes. Perfect. Excellent. Now one of the things we do wanna look at and why we sort of have to have the conversation with you before we do make these sort of changes is there are different ways to investing. Essentially, when I have a look at the way you're invested within your super fund at the moment, you are in more of oh, sorry.\n\nMore of a growth kind of setting. And this is a very much an older portfolio. Something has been in for quite some time there. So it does definitely need to be updated now. Within the growth environment within a super fund, you are invested generally about 80% in growth assets.\n\nSo thinking things like Australian shares, international shares, listed property, and commodities, and then about 20% in lower risk defensive investments in cash, bonds, and fixed interest. A growth investor is looking to get strong or has a strong, preference for growth, so you that's why you take a bit more risk to have those higher growth investments. You're still happy to sort of go through the ups and downs within the market, and this sort of portfolio is tracking you're trying to obtain around about a seven to 9% on a yearly basis and compounding that forward. With the volatility, so we understand that markets go up and down within that growth environment. You can expect on a good year anywhere up to 11% above the nine and a bad year where market are down, anywhere up to 11% below the 7%.\n\nThat's that's the market volatility. You can see those highs and lows around that seven to 9%. In this sort of environment, we expect a negative return of one every five years. With that investment within Van Alarm there, that's more of an actively managed fund. So you take a little bit more risk to have the active manager in there.\n\nThey're trying to outperform against the market. Do you feel moving forward you would still like to have more of an active manager in your fund, or would you like me to focus on lowering the cost and put something in there more passively managed and lower risk? How would you like to see your portfolio form?\n\nChannel 1: Good question. I don't mind a bit of risk. It's just yeah. Obviously,\n\nChannel 0: Yeah.\n\nChannel 1: I'm aware\n\nChannel 0: Yeah.\n\nChannel 1: of the volatility that there is globally at the moment, shall we say.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: I'm happy happy to take your advice on this.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yeah. What what do you think is the level of\n\nChannel 0: Well,\n\nChannel 1: risk\n\nChannel 0: I've\n\nChannel 1: that you require?\n\nChannel 0: the growth environment definitely fits your agent age because you're essentially the same age as me. So we have the same time frame before accessing our super. What I would sort of look at and what I can look at if you're comfortable, I do have an option to replace that investment with something a bit more diversified, more of a passively managed investment. So it lowers the risk. It's also cheaper for your portfolio.\n\nBut I also have a portfolio where it incorporates a little bit of active management. It's only a small amount. It's still also cheaper to hold, and it's still gonna reduce the investment cost of your current fund, which means more money stays invested in your super long term. Are you happy if I maybe go a happy medium for you, have a little bit of active management, but mostly index funds and low cost investments that provide greater diversification. It'll still keep you in that growth kind of environment where you are taking more risk, but it's also within the fund diversifying as much as possible to control as much of the risk as as humanly possible.\n\nChannel 1: Yeah. Yeah. I got what you're saying. Yeah. Sounds good.\n\nChannel 0: Yeah. Sounds good. Beautiful. I've got some good options there. So I'll go back and complete the research, and I'll come up with an advice document.\n\nIt shows you what we're gonna look at and how it'll look for you, and then you get to take it away and have a good read of the document. Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. Now if you go to the next page, this year, as you kinda mentioned, you've seen a lot of the ups and downs of volatility. It can make a lot of people quite nervous. While your portfolio while Benelon has kinda had an effect and obviously held your portfolio back a little bit, it still has come out with a positive return. So it is lower than where I would like to proceed for the year.\n\nA lot of that is because of the family long investment above that. You've returned about a 4.27% return net of fees. That's after fees. It's still a positive return. When you think of that positive return, it's actually made your earnings and grosses in the fund of $18,407.\n\nSo it is lower than where I'd like to expect. I definitely wanna alter the portfolio to keep it working harder and build on that for you, but acknowledging the fact that this year hasn't been as good a year, and the return is definitely lower than where I would like to see for you for the year as well.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Perfect. I know there's a lot to go through. Do you have any questions about the portfolio, about anything I've kinda touched on? Or no? Excellent.\n\nThe next document along is the Vanguard index chart. I've been pretty sure we've shown you a couple of these in the past. It does kinda show you a guide as to how we how and why we invest the way we do in the market. So looking at the side there, you've got sorry. My computer is just flashing at me.\n\nYou've got your growth investment. So US shares, Australian shares, international shares, and listed property. And you can sort of see there that they do get the higher rates of return, but they are also the ones that increase in value and decrease the downtime as well. So they're the ones that fluctuate and provide volatility, which does make us quite nervous. But when we do have a good time horizon ahead of us, so anywhere over, say, six to ten years, being having more of these growth investments is where we see the higher rates of return.\n\nWhat I would not wanna see is have you about, you know, five or six years out from accessing your super and still taking a higher level of risk in the market. In those instances, we wanna kind of pull things back quite significantly and have more defensive investments of things like cash and bonds and fixed interest there. Throughout even in retirement, we still wanna have some growth assets, but it's about assessing your risk level and investing within the comfort level so you have a degree of growth in your portfolio, but then also some income production as well. And that's why we also get some good advantages is we wanna get income from those investments. We wanna have dividends that are being paid when it comes to bonds and fixed interest.\n\nWe want income coming out of those that gets paid into your cash account and then reinvested back for compounding effect essentially. So that's how we sort of wanna see things. It's about adjusting the risk level as you become less comfortable with the risk you're taking realistically up until about five to six years away from accessing paper. Being in the growth environment is absolutely fine for you, but anywhere beyond that, I'd be trying to sort of coax you to reduce your risk level a little bit, trying to guide you back there. Does that make sense?\n\nChannel 1: Yeah. Makes sense. How's\n\nChannel 0: Yeah.\n\nChannel 1: it\n\nChannel 0: Beautiful.\n\nChannel 1: look how's it looking in, like, the the the sorry. The housing, the what do I say? Property investing in property. Just\n\nChannel 0: Property\n\nChannel 1: because I was saying\n\nChannel 0: market.\n\nChannel 1: that\n\nChannel 0: Yep.\n\nChannel 1: that that's starting to do a bit of a downturn in Australia.\n\nChannel 0: Yeah. Absolutely. Yeah. The housing market has had a bit of a downturn, and I believe Sydney and Melbourne were the first ones to see the downturn most recently. I'm just double checking the data.\n\nThey're showing me where it's up to at the moment. But currently, looking at where we are, nationally, housing prices have dropped in August between 0.2 to 0.9%. Areas like Melbourne and Canberra have had dropped to the it has a 1%, and Sydney has had about a 1.4% drop in the last month on housing prices. So there has definitely been a bit of a decrease with what happened and what was what came out with the new budget and the legislation changes there.\n\nChannel 1: Yes.\n\nChannel 0: But I think it just also needs to settle because people still need housing. There still is very much a high demand for housing, and people trying to get into the market for home buyers and whatnot. So I think it just needs time to settle. It just needs time to go through this cycle and then come out the other side, but we will see recovery from that downside. It's funny because over the last sort of, you know, ten to fifteen years, housing prices have basically not dropped at all.\n\nYou know? Since coming out of the DFC, housing prices have just skyrocketed bit by bit. So this kind of a fall was always gonna be inevitable. I mean, over the last five years, I've had people telling me property never dropped. And I'm like, yes.\n\nIt does. It will happen. It everything drops. Everything has a cycle. It's just about waiting for that cycle to hit.\n\nSo we'll go through this down point. I don't know how low it's gonna go. It just sort of comes down to how investors feel. It's also about how the how investors understand the changes too because the changes to negative gearing and the CGT consequence is necessarily aren't all bad. It's just about understanding why you want to have an investment property.\n\nIs your investment property currently negatively geared?\n\nChannel 1: I take the least, sir.\n\nChannel 0: No. That's okay. So the other thing and what I've sort of been talking to people about is whether or not they just want to hold property for negatively gearing to help, you know, reduce overall tax, or are they hoping to have it for a longer term goal? So there are still investors definitely in my area who are buying in the property, and whilst they can't negatively gear moving forward, they are buying it for capital growth. And taxes aren't always a bad thing if we understand the outcome we're after.\n\nSo, you know, buying an investment property, holding it for five or ten years, letting it increase in value, then selling it off, cementing the capital gain, putting aside the tax, and looking at what you have after the gain. Isn't necessarily always a bad thing, but it just comes down to what's important about holding property and why we're holding property and what we wanna achieve out of that property, to kind of work out whether it's a good idea or not and whether the cost or whether the taxation side of it is worthwhile as well. So, yeah, bit of a dip. It's not as bad as I would have thought in all honesty, and I don't think it's gonna have a huge dip because property is still a big thing. They still want property.\n\nThere's still a lot of first time buyers and people trying to get into the market. I've got a lot of mortgage broker friends who keep telling me they're still really busy. So properties are still being purchased and assessed. So I don't think Melbourne or Canberra or even Sydney, Brisbane have seen a a drop of just under 1% as as well. I don't really think these are going to be very heavy dips.\n\nI just think it's a slight correction in the market at the moment. That's\n\nChannel 1: Okay.\n\nChannel 0: all.\n\nChannel 1: Yeah. I must've\n\nChannel 0: Yeah.\n\nChannel 1: got my\n\nChannel 0: Did\n\nChannel 1: investment\n\nChannel 0: that answer\n\nChannel 1: property\n\nChannel 0: your\n\nChannel 1: so\n\nChannel 0: question?\n\nChannel 1: the rent will\n\nChannel 0: If\n\nChannel 1: return. So it's a\n\nChannel 0: yeah. Yeah.\n\nChannel 1: it's a another income stream.\n\nChannel 0: I got it. Do you plan yeah. No. That's okay. Do you plan on kinda keeping that long term to supplement safer, or do you think you'll plan on selling that down the track?\n\nWhat's the sort of long term plan for it?\n\nChannel 1: I'd I'd like to keep it. The selling it's always the the sort of plan b if I had to. So I'd I'd prefer to keep the investment.\n\nChannel 0: Yep. Yep. Beautiful. Fantastic. Excellent.\n\nThe next document in there is the financial service guide. It just outlines everything about who we are, what we do, and how we do it. It's got a lovely, cosy photo of me in there and all my information as a licensed financial adviser and all the details on our services and fees and things like that for you. The last document attached is the essentially, the financial fee agreement for the next twelve months there. So you are an ongoing service client.\n\nAt the moment, our ongoing service is 1.65% per annum. Moving forward, that will change to more of a a dollar figure fee. It'll be tiered, essentially, once your balance and your balance is over that 200,000 threshold now. But as of next year, essentially, with a with a tiered structure, when your super balance hits over that $200,000 mark, it drops down to a lower tier. And then as it increases in value, we it drops down to another tier after that after at certain point.\n\nRight now, we're not changing that. That's all gonna come into play essentially as of the next fee agreement. Right now, you're still on 1.65% per annum. It is deducted on monthly increments. It includes any additional advice that we provide in relation to super insurance and things like that.\n\nThere's no implementation fees for any new advice. That's all inclusive of being an ongoing service client there. Do you have any questions about the fee, how that works? Or\n\nChannel 1: No. That's fine. What would what's\n\nChannel 0: yeah.\n\nChannel 1: the fee structure going to for the over 200,000? Do you know what that is\n\nChannel 0: So\n\nChannel 1: yet?\n\nChannel 0: with this yeah. Definitely. So with the fee structure, essentially, it'll go to a balance of 200,000. The fee structure will drop to 1.375. And then once your super balance hits the 500,000, it drops down further than that.\n\nI kinda I can find it's in the financial services guide here. So it was all just, like, released the other week, and I've had to go back and find it to make sure I understand it correctly.\n\nChannel 1: I think I got a good time before\n\nChannel 0: So\n\nChannel 1: I hit\n\nChannel 0: the\n\nChannel 1: part\n\nChannel 0: tiers\n\nChannel 1: numbers.\n\nChannel 0: look. I wanna get you there as soon as I possibly can. Not gonna lie. So the tier structure was that is essentially zero to 200,000 is 1.65%. 200,000 to 500,000 is 1.375.\n\nOnce your balance is over 500,000 to a million, your fee drops to 1.10%, and then balances between 1 to 2,000,000 drops to 0.82825 point 825%. So each each time your balance increases up over a t, the amount you or the amount you pay for our ongoing services drops into the next year and it works down. The way that will work so the other thing with the old fee structure is that we always sorta had an estimate because it was set on the a percentage based fee. We will actually, moving forward, work out exactly what your fee is as per a dollar figure. It will be a flat fee for the year, and so if your balance goes up, it means that fee will not change.\n\nIt's kind of also gonna give you a lot more certainty around the fee. We worked it out this year that your old fee structure worked out better for you based on your current balance, so we're keeping you on the old fee structure. The new newer fee structure would be a little bit higher currently, but we'll sort of have a look at it next year and see how it works for you, and I'll show you what that looks like. But for now, we're still keeping it the same. Does that make sense?\n\nDo you have additional questions?\n\nChannel 1: Nope. That's fine.\n\nChannel 0: No. Perfect. All good. We had to sort of make some changes. Our fees have never changed since we sort of opened up back in 2018, 2019.\n\nBut we've had to kind of update and make some changes to the fee structure so that it's still working for you guys as a client, but also because the cost of providing advice to legislation requirements and the same as with everyone, the cost of living and cost of running a business has increased as well. So we just wanted to make sure it was working properly and make sure we're looking after everybody, but also making sure that we can, you know, do provide our professional services and also charge the fee that we need you to do that, essentially.\n\nChannel 1: Cool.\n\nChannel 0: Yeah. Easy.\n\nChannel 1: Mhmm.\n\nChannel 0: That is essentially all the documents in the ongoing service or annual review path. If you can feel free to go back and have a good read through those. If you wanna stay on board with the client for the next twelve months, I will ask that you sign and return the ongoing service agreement back there for me. We will go back and do some updated advice to make sure things are working harder for you. One of the biggest things I do like to point out is that we do work on the best interest duties, so we do wanna make sure things are updated.\n\nHaving a look at your portfolio, it hasn't really been touched or updated in the past couple of years. So it is definitely worth updating now. I'll reassess all those things for you to make sure that you're on track, that things are working harder, and I'll look at the insurances as well as the super the investment portfolio and see how we can lower fees, keep more money invested in your future working harder for you, but also boost your balance and make it as you know, get you as much as we possibly can over the next seventeen years towards your goals there. How does that sound?\n\nChannel 1: Yeah. Sounds good. I time flies. I just thought I've done it last year.\n\nChannel 0: No. That's okay. The only other thing to sort of check on is just around your goals with regard to super there. You having a look back, we were sort of talking about, I think, age 60 to 65 depending on how you felt at the time. Do you think, realistically, you wanna stop working at age 60, or do you think you'd work a little bit longer?\n\nWhat is your goal for accessing super now?\n\nChannel 1: Oh, I'd love to stop working right now, but that's not gonna happen. I I'm just going with 65 because that's probably\n\nChannel 0: 60\n\nChannel 1: realistic.\n\nChannel 0: five. Yep. That's okay. That's not a problem at all. Beautiful.\n\nI it's a bit probably early to really assess income, and I know over the past couple of years, I've just talked about goals. I've asked about income goals. But do you know roughly what you might like to live on in retirement? If you don't, that's okay. That's something I do assess when you actually get to retirement.\n\nChannel 1: Yeah. I'm not sure. I'm hoping to assume that I've got no mortgage by then, so it would be just covering standard\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: stuff. But also, yeah, hoping to have that investment property too. So I'd still be looking at, you know, driver fees and land tax and all that sort of stuff.\n\nChannel 0: Yeah. Absolutely. Absolutely. And maybe having that income cover investment property to supplement your super so that you draw less out income wise. Is that kind\n\nChannel 1: Fun\n\nChannel 0: of part of your goal?\n\nChannel 1: stuff.\n\nChannel 0: Or\n\nChannel 1: Yeah. Yeah. We I would like us to have that income stream.\n\nChannel 0: yep. Beautiful. Do you plan on buying any more investment properties down the track, or is this one kind of what you're happy with for the time being?\n\nChannel 1: I'm happy with just the one at the moment. Yeah. I don't have any plans there.\n\nChannel 0: Yes. No. That's okay. That's fine.\n\nChannel 1: Need to fix up\n\nChannel 0: I've\n\nChannel 1: my\n\nChannel 0: got\n\nChannel 1: house.\n\nChannel 0: your income updated. Absolutely. I did some renovations on mine. I'm quite happy to stop for a minute. The other thing to sort of look at is just the other assets I have here.\n\nYour car, your 2008 Subaru Outback, we have that valued at about 3,000 last year. What sort of value would you put on that now, do you think?\n\nChannel 1: Well, I'm just in the process of changing that over. So I will have a 2015 Subaru Outback.\n\nChannel 0: Wow.\n\nChannel 1: I'm just\n\nChannel 0: Nice.\n\nChannel 1: doing the rego changeover to my dad's old car. So\n\nChannel 0: Yep.\n\nChannel 1: I actually don't know how much that's worth, but I'm gonna I have to look up my car's guide, wouldn't I?\n\nChannel 0: How\n\nChannel 1: Okay.\n\nChannel 0: much is it worth to you if you had to sell it? What would you want for, do you think?\n\nChannel 1: Just I'm googling it. There you go. Australian market currently valued between 1,600 and 19,000 depending on condition and trim. I'll check-in the middle there, 15,000.\n\nChannel 0: Beautiful. Excellent. And then I also had down here that you had about 70,000 sitting in savings. Do you still have those savings?\n\nChannel 1: Yeah. I'm sitting at 90 at the moment, but I'm about to check a whole bunch against the home loan. So I'll probably have about 40 after that.\n\nChannel 0: Beautiful. Update that. So we'll say about 40. And is that extra 50,000 going on the home loan or just sitting in an offset account?\n\nChannel 1: It's gonna, yeah, go against the home loan. So and then the leftover\n\nChannel 0: So that'll\n\nChannel 1: 40\n\nChannel 0: be\n\nChannel 1: isn't\n\nChannel 0: on the\n\nChannel 1: off\n\nChannel 0: main primary yep. That's okay. So that'll be in the offset account. And so that 50,000 will drop essentially the main primary residence\n\nChannel 1: rate.\n\nChannel 0: down to about $3.50 owing?\n\nChannel 1: Yeah. That's that's the\n\nChannel 0: That's okay. Perfect. I\n\nChannel 1: plan.\n\nChannel 0: like that. I'm trying to knock that nondeductible debt down. Anyone is there any other assets or liabilities or anything else that you sort of want\n\nChannel 1: Don't\n\nChannel 0: us\n\nChannel 1: those chickens\n\nChannel 0: to\n\nChannel 1: count?\n\nChannel 0: note down at all?\n\nChannel 1: No.\n\nChannel 0: I mean, they cost money.\n\nChannel 1: No. I think that's probably it.\n\nChannel 0: No. That's okay. And the other thing to sort of look at is we talked about your risk profile last time just before, so that you, like, growth environment and what that sort of looks like. Realistically, for your agency, if you can still be in that growth environment, did you wanna run through a new risk profile questionnaire to kind of reassess that, or do you feel fairly comfortable sitting in that kind of environment?\n\nChannel 1: I'm pretty okay with, yeah, where we're we're at at the moment.\n\nChannel 0: Yep. That's okay. One of the questions I do like to ask just to sort of gauge whether it's worth reviewing or not is if you saw your super fall by 20% over the next one to two years, how do you think you might be feeling? Do you see it as a buying opportunity, maybe wanting to put some more money into the market, take advantage of that downtime? Are you a bit cautious, maybe hold and wait, you know, speak to us if it wasted us to do?\n\nOr are you feeling very nervous about that fit in the market and maybe wanting to sell your investments to cash? How do you think you might react in that instance?\n\nChannel 1: So well, could you just say the example again? I think I've missed a bit.\n\nChannel 0: Yeah. You're right. So the just the three options. Is that right? Sorry.\n\nDid you want me to rerun the\n\nChannel 1: Oh,\n\nChannel 0: entire thing for you?\n\nChannel 1: yeah. The beginning. Sorry.\n\nChannel 0: Yeah. No. That's okay. You're fine. Essentially, if you saw the market fall by 20% over the next one to two years, how do you think you might feel or react in that instance?\n\nChannel 1: Yeah. I'd probably be in the middle\n\nChannel 0: Yes. So maybe hold and wait, call us, do what we suggest you do and have that conversation.\n\nChannel 1: option. Yeah.\n\nChannel 0: Yep. Yep. That's okay. The other question I do like to ask is about the level of risk. So how do you think you feel about risk?\n\nAre you happy at taking on a higher level of risk in the market to get greater potential returns knowing that there is a downside that coincides with it? Are you probably in the middle, more medium or moderate, happy to take on, you know, a medium amount of risk to get the greatest returns possible, or are you not wanting to take any risk in the market knowing the returns are a bit lower because of that? Where do you think you might fit with the risk profile?\n\nChannel 1: Yeah. I sort of like to think I'd be between the first option and the second option. Probably, you\n\nChannel 0: Yep.\n\nChannel 1: know, to give you an answer, I'll say the the the second option. But I'd sort of, like, put myself\n\nChannel 0: Yeah.\n\nChannel 1: on the 72% scale, shall we\n\nChannel 0: In\n\nChannel 1: say?\n\nChannel 0: the middle? Yeah. That's absolutely fine. That's absolutely fine. So I've kind of marked you in the middle there, which is great.\n\nWhen you sort of think about risk out of a number between one and five, having that growth environment, you're sitting about\n\nChannel 1: Yeah.\n\nChannel 0: a three. So\n\nChannel 1: Okay.\n\nChannel 0: five being the highest level of risk, all sitting in, say, shares and equities or one all being sitting in cash. So you're kind of middle of the range there. You do have\n\nChannel 1: Mhmm.\n\nChannel 0: that eighty twenty split. It does suit someone who's got at least six years before accessing their money, so it does suit your time horizon. You do have capacity whilst you're working to withstand the downtime, but, understandably, it can make you a little bit nervous in those downtimes as well. But you can stay in that environment. It does still suit, you know, where you're at at the moment if you're comfortable with that.\n\nChannel 1: Yeah. That sounds good.\n\nChannel 0: Yeah. Beautiful. Well, I'll look at that growth environment there for you. I'll look at reevaluating the suit for the investments. We'll also just reevaluate the insurance levels.\n\nBefore I let you go, I'll book you in for a pre assessment with my team members just to kind of go through so I can fully understand your circumstances and see what kind of contract might be offered for insurance wise, look at life, safety, and income protection for you. The only other thing to sort of consider is your estate planning. You've got your\n\nChannel 1: Hello.\n\nChannel 0: beneficiary on file here. So in the event of passing, your fee fee is paid out to your legal personal representative. So it all goes through to your will. Do you have a will that outlines your wishes?\n\nChannel 1: I don't, and I know I need one. Every time I look into\n\nChannel 0: Yes.\n\nChannel 1: it, it's let's just say it's a bit dizzying.\n\nChannel 0: Yeah. If you like, there is actually a way that it can be done a little bit easier. I know speaking to a solicitor and having those appointments can be a lot and can be difficult, But every state also has a trustee service which outlines which you can do over the phone or online. I can always email you just some information from that if you like to give you another option for doing that, if you will.\n\nChannel 1: Yeah. That'd be good.\n\nChannel 0: Yep. Perfect. Excellent. And are you happy with your super and life insurance beneficiary being structured to be paid to your will, or did you wanna pay to anyone particular in the event of passing?\n\nChannel 1: Well, until I have a will, I probably I would say go to my partner.\n\nChannel 0: Yep. Did you want us to have that updated? It's and I can include that in the advice to reflect to make sure that everything is paid directly to him in the event of passing.\n\nChannel 1: Yes, please.\n\nChannel 0: Yes. Beautiful. Fantastic. I can update that. Not a problem at all.\n\nWell, thank you so much for your time. That is essentially everything I need to go through, and I'm so sorry. It is a lot. Is there anything else that you maybe had questions wise for me or anything you wanted me to touch on as part of your review that I haven't touched on that you might want to ask me while you've got me here at all?\n\nChannel 1: Nope. I think I'm good.\n\nChannel 0: Beautiful. Is there any other goals that you had noted down or wanted to sort of note down down the track that you might like us to look at? Or\n\nChannel 1: Not really. Like I said, I'm just trying to make sure I got enough money to do some renovation going forward\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Renovation.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. No. Absolutely. Well, look, thank you so much for your time today. It's been an absolute pleasure.\n\nI'm sorry it took a bit longer than I had expected, but there's a lot of things I sort of thought that I wanted to talk to you about. There's definitely some advice I can provide moving forward, and I wanna make sure that your retirement is the best it can be. So I'll work on some advice and update things for you. In the meantime, if you can find that and review drops and grab them and send them back to me, that'd be fabulous. I'll also send out that email with some information on the state trustee for you and the will services they provide.\n\nAnd then if you do have additional questions, you're welcome to let me know at any time. You also then have my direct email address to Emma. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Thank you so much for your time. I really appreciate it. I'll get cracking on that advice. Before I let you go, let's we'll get a quick pre assessment with my colleagues there.\n\nIs there a day or time maybe next week or the week after that would suit for them to give you a quick call and run through that? It should only take about five to ten minutes.\n\nChannel 1: Yeah. Friday is usually my best day.\n\nChannel 0: Yep. That's okay. Sorry. Probably today. It's September.\n\nIf I get someone to give you a call, even tomorrow, would tomorrow work for you?\n\nChannel 1: Yep. I just yeah. No. I don't have anything\n\nChannel 0: If\n\nChannel 1: tomorrow.\n\nChannel 0: not, I could do it. No. That's okay. Our office is generally open until about, say, 02:00. Our last appointment's closed at one.\n\nWhat time would be best for someone to give you a call?\n\nChannel 1: All day is good, so whatever suits.\n\nChannel 0: Okay. Perfect. What if I make it 09:00 in the morning? That way they can get to the free assessment and leave you to enjoy the rest of your day. Does that work okay?\n\nChannel 1: Yeah. That works.\n\nChannel 0: Beautiful. Awesome. Thank you so much. So my colleague, Samantha, she's my admin team member. She'll give you a call, run through that with you at 9AM tomorrow morning.\n\nAnd then in the meantime, I'll get stuck into the research, and I'll get her to rebook your presentation after that as well so you've got an idea of when that will be in the next couple of weeks for you. Okay?\n\nChannel 1: Okay. I'm good.\n\nChannel 0: Thank you so much for your time. I hope you have a good day. Are you working the rest of the day? Do you have to stay off?\n\nChannel 1: Oh, no. I'm working, and I'm now watching it rain.\n\nChannel 0: Well oh, no. It happened. At least it's a working day. Hopefully, the weekend or when your office is nice and sunny for you.\n\nChannel 1: Yeah. I don't think that's gonna happen, but we can only hope.\n\nChannel 0: No. We can dream. Beautiful. Thank you so much, Emma. I appreciate your time today.\n\nYou have a lovely day, and I'll get cracking on that research and see what I can do to help.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Thank you. Talk soon. See you later. Bye.\n\nChannel 1: Yeah.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.12,"end":1.52,"sentiment":"neutral","sentiment_score":0.017391331493854523},{"text":"Emma speaking.","start":1.52,"end":2.34,"sentiment":"neutral","sentiment_score":0.0207778075709939}],"sentiment":"neutral","sentiment_score":0.01964898221194744,"channel":1,"num_words":3,"start":1.12,"end":2.34},{"sentences":[{"text":"Hi, Emma.","start":3.04,"end":3.76,"sentiment":"neutral","sentiment_score":0.12342636287212372},{"text":"It's Dana from Oakley Financial.","start":3.76,"end":5.44,"sentiment":"neutral","sentiment_score":0.1798821747303009},{"text":"How are you this morning?","start":5.44,"end":6.58,"sentiment":"neutral","sentiment_score":0.23579129278659822},{"text":"Doing very well.","start":9.2,"end":10.0,"sentiment":"positive","sentiment_score":0.5519906083742777},{"text":"Thank you.","start":10.0,"end":10.48,"sentiment":"positive","sentiment_score":0.6687083840370178}],"sentiment":"neutral","sentiment_score":0.3128593327368007,"channel":0,"num_words":17,"start":3.04,"end":10.48},{"sentences":[{"text":"I had people looking to go through your annual review this morning.","start":10.48,"end":12.88,"sentiment":"neutral","sentiment_score":0.3048914621273677},{"text":"Is that still a good time there for you?","start":12.88,"end":14.715,"sentiment":"neutral","sentiment_score":0.23206365439626905}],"sentiment":"neutral","sentiment_score":0.2736795445283254,"channel":0,"num_words":21,"start":10.48,"end":14.715},{"sentences":[{"text":"Yeah.","start":15.12,"end":15.44,"sentiment":"neutral","sentiment_score":0.2512681484222412},{"text":"Perfect.","start":15.44,"end":15.94,"sentiment":"positive","sentiment_score":0.4874265193939209}],"sentiment":"positive","sentiment_score":0.36934733390808105,"channel":1,"num_words":2,"start":15.12,"end":15.94},{"sentences":[{"text":"Oh, fantastic.","start":17.195,"end":17.855,"sentiment":"positive","sentiment_score":0.5059717893600464},{"text":"How's your week been so far?","start":17.995,"end":19.695,"sentiment":"positive","sentiment_score":0.33916333317756653},{"text":"Oh, good.","start":23.915,"end":24.654999,"sentiment":"neutral","sentiment_score":0.28969885408878326},{"text":"Emma, before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":24.875,"end":29.55,"sentiment":"neutral","sentiment_score":0.1543688794428652},{"text":"Are you happy to meet everything with that?","start":29.63,"end":31.65,"sentiment":"neutral","sentiment_score":0.19189359806478024}],"sentiment":"neutral","sentiment_score":0.21393963545560837,"channel":0,"num_words":40,"start":17.195,"end":31.65},{"sentences":[{"text":"Yep.","start":32.010002,"end":32.41,"sentiment":"neutral","sentiment_score":0.11689689755439758},{"text":"Go ahead.","start":32.41,"end":33.07,"sentiment":"neutral","sentiment_score":0.17364301532506943}],"sentiment":"neutral","sentiment_score":0.1547276427348455,"channel":1,"num_words":3,"start":32.010002,"end":33.07},{"sentences":[{"text":"Fantastic.","start":33.79,"end":34.29,"sentiment":"positive","sentiment_score":0.5303053855895996},{"text":"And just to do security there with you, so we are discussing your personal information.","start":34.51,"end":38.21,"sentiment":"neutral","sentiment_score":0.22556290725866954},{"text":"So I just need to confirm for me your full name, your date of birth, and address I should have on file there.","start":38.67,"end":43.035,"sentiment":"neutral","sentiment_score":0.15632259554189185}],"sentiment":"neutral","sentiment_score":0.192542786972645,"channel":0,"num_words":39,"start":33.79,"end":43.035},{"sentences":[{"text":"Yeah.","start":43.85,"end":44.35,"sentiment":"neutral","sentiment_score":0.04135959967970848},{"text":"Emily Proctor.","start":44.65,"end":46.055,"sentiment":"neutral","sentiment_score":0.020173785276710987},{"text":"12/05/2009","start":46.055,"end":47.095,"sentiment":"neutral","sentiment_score":0.015076505951583384}],"sentiment":"neutral","sentiment_score":0.02419591904617846,"channel":1,"num_words":4,"start":43.85,"end":47.095},{"sentences":[{"text":"Yep.","start":46.954998,"end":47.454998,"sentiment":"neutral","sentiment_score":0.021099265664815903}],"sentiment":"neutral","sentiment_score":0.021099265664815903,"channel":0,"num_words":1,"start":46.954998,"end":47.454998},{"sentences":[{"text":"83 At 5 Zara Court, Frankston, Victoria.","start":47.095,"end":50.155003,"sentiment":"neutral","sentiment_score":0.022969039423125132}],"sentiment":"neutral","sentiment_score":0.022969039423125132,"channel":1,"num_words":7,"start":47.095,"end":50.155003},{"sentences":[{"text":"Beautiful.","start":51.595,"end":52.095,"sentiment":"positive","sentiment_score":0.3823562264442444},{"text":"I heard it was sunny in Victoria yesterday.","start":52.315,"end":54.815,"sentiment":"neutral","sentiment_score":0.19644172117114067},{"text":"How is the weather today?","start":54.875,"end":56.175,"sentiment":"neutral","sentiment_score":0.09318469166755676}],"sentiment":"neutral","sentiment_score":0.17284381815365382,"channel":0,"num_words":14,"start":51.595,"end":56.175},{"sentences":[{"text":"Yeah.","start":57.335,"end":57.575,"sentiment":"neutral","sentiment_score":-0.001821819692850113},{"text":"It's all cloudy and trying to rain.","start":57.575,"end":59.195,"sentiment":"neutral","sentiment_score":-0.07719599242721285}],"sentiment":"neutral","sentiment_score":-0.06777422083541751,"channel":1,"num_words":8,"start":57.335,"end":59.195},{"sentences":[{"text":"Oh, no.","start":60.39,"end":61.29,"sentiment":"neutral","sentiment_score":-0.05661540478467941},{"text":"Oh, you know, I'm actually going down there on most of the family holiday in a couple of weeks, and I was like, I didn't even know how to pack, but just my brother-in-law has said pack for every weather under the sun.","start":61.350002,"end":70.79,"sentiment":"neutral","sentiment_score":-0.04924580996292968},{"text":"So","start":70.79,"end":71.29,"sentiment":"neutral","sentiment_score":0.02798779122531414}],"sentiment":"neutral","sentiment_score":-0.0478872357989135,"channel":0,"num_words":46,"start":60.39,"end":71.29},{"sentences":[{"text":"Yes.","start":71.39,"end":71.79,"sentiment":"neutral","sentiment_score":0.03228460252285004},{"text":"Yeah.","start":71.79,"end":72.19,"sentiment":"neutral","sentiment_score":0.03554146736860275},{"text":"It's it was sunny yesterday afternoon.","start":72.19,"end":74.29,"sentiment":"neutral","sentiment_score":0.05838782154023647},{"text":"Now it's windy.","start":74.35,"end":75.33,"sentiment":"neutral","sentiment_score":0.009778998171289762},{"text":"It's gonna rain heat tomorrow or something, or is it Saturday?","start":75.845,"end":78.825,"sentiment":"neutral","sentiment_score":-0.011015383526682854}],"sentiment":"neutral","sentiment_score":0.014832762493328615,"channel":1,"num_words":22,"start":71.39,"end":78.825},{"sentences":[{"text":"Yeah.","start":78.885,"end":79.385,"sentiment":"neutral","sentiment_score":0.0023696254938840866}],"sentiment":"neutral","sentiment_score":0.0023696254938840866,"channel":1,"num_words":1,"start":78.885,"end":79.385},{"sentences":[{"text":"oh, you poor thing.","start":81.075,"end":82.034996,"sentiment":"neutral","sentiment_score":-0.11534011829644442},{"text":"I couldn't imagine that.","start":82.034996,"end":83.075,"sentiment":"neutral","sentiment_score":-0.1738872490823269},{"text":"Like, I mean, here in Queensland, all it's done is, like, rain on and off, but it's definitely not as bad as what you guys get down there.","start":83.075,"end":89.28,"sentiment":"neutral","sentiment_score":-0.0355413503795197},{"text":"You seem to get a different different season every two or three hours down there or every hour.","start":89.28,"end":94.18,"sentiment":"neutral","sentiment_score":-0.05722560236851374}],"sentiment":"neutral","sentiment_score":-0.05892829856990526,"channel":0,"num_words":54,"start":81.075,"end":94.18},{"sentences":[{"text":"Yep.","start":95.170006,"end":95.41,"sentiment":"neutral","sentiment_score":0.05189135670661926},{"text":"It's definitely changeable in Olin.","start":95.41,"end":97.91,"sentiment":"neutral","sentiment_score":0.12249654829502106}],"sentiment":"neutral","sentiment_score":0.11072901636362076,"channel":1,"num_words":6,"start":95.170006,"end":97.91},{"sentences":[{"text":"All good.","start":100.755,"end":101.655,"sentiment":"neutral","sentiment_score":0.21948373317718506},{"text":"Well, and I know you are busy, so I was trying to take too much of your time, but just to run through your annual review there, we do normally send through some documents for you to review as well.","start":101.715,"end":109.155,"sentiment":"neutral","sentiment_score":-0.015388203412294387},{"text":"Are you able to access your email, sir, at the moment?","start":109.155,"end":111.815,"sentiment":"neutral","sentiment_score":0.020267831669612366}],"sentiment":"neutral","sentiment_score":0.0008751977024213323,"channel":0,"num_words":53,"start":100.755,"end":111.815},{"sentences":[{"text":"Yep.","start":112.715004,"end":113.215004,"sentiment":"neutral","sentiment_score":0.034416742622852325}],"sentiment":"neutral","sentiment_score":0.034416742622852325,"channel":1,"num_words":1,"start":112.715004,"end":113.215004},{"sentences":[{"text":"Yeah.","start":114.43,"end":114.67,"sentiment":"neutral","sentiment_score":0.10369953513145448},{"text":"Beautiful.","start":114.67,"end":115.149994,"sentiment":"neutral","sentiment_score":0.25267139077186584},{"text":"I'm just gonna send an email to you there now.","start":115.149994,"end":117.409996,"sentiment":"neutral","sentiment_score":0.13845478147268295},{"text":"Your email is still at emma_cruising@hotmail.com.","start":117.71,"end":121.71,"sentiment":"neutral","sentiment_score":0.04565072742601236},{"text":"Is that right?","start":121.71,"end":122.53,"sentiment":"neutral","sentiment_score":0.0301207738618056}],"sentiment":"neutral","sentiment_score":0.10024692508436385,"channel":0,"num_words":21,"start":114.43,"end":122.53},{"sentences":[{"text":"Yep.","start":122.99,"end":123.229996,"sentiment":"neutral","sentiment_score":0.1111968383193016},{"text":"That's right.","start":123.229996,"end":123.97,"sentiment":"neutral","sentiment_score":0.3315778821706772}],"sentiment":"neutral","sentiment_score":0.25811753422021866,"channel":1,"num_words":3,"start":122.99,"end":123.97},{"sentences":[{"text":"Fantastic.","start":125.07,"end":125.57,"sentiment":"positive","sentiment_score":0.7442210912704468},{"text":"I've just sent that one through to you there.","start":125.869995,"end":127.96999,"sentiment":"positive","sentiment_score":0.34738154543770683},{"text":"It often comes through from dana@ocfinancial and or sometimes","start":128.265,"end":132.265,"sentiment":"neutral","sentiment_score":0.07644917029473516}],"sentiment":"neutral","sentiment_score":0.23993144909802236,"channel":0,"num_words":19,"start":125.07,"end":132.265},{"sentences":[{"text":"Mhmm.","start":131.95,"end":132.45,"sentiment":"neutral","sentiment_score":0.04675392061471939}],"sentiment":"neutral","sentiment_score":0.04675392061471939,"channel":1,"num_words":1,"start":131.95,"end":132.45},{"sentences":[{"text":"it just says Odoo.","start":132.265,"end":133.245,"sentiment":"neutral","sentiment_score":0.05353240855038166}],"sentiment":"neutral","sentiment_score":0.05353240855038166,"channel":0,"num_words":4,"start":132.265,"end":133.245},{"sentences":[{"text":"Yep.","start":134.645,"end":134.805,"sentiment":"neutral","sentiment_score":0.1621282994747162},{"text":"Got that.","start":134.805,"end":135.555,"sentiment":"positive","sentiment_score":0.34034180641174316}],"sentiment":"neutral","sentiment_score":0.2809373040994008,"channel":1,"num_words":3,"start":134.645,"end":135.555},{"sentences":[{"text":"Fantastic.","start":136.665,"end":137.165,"sentiment":"positive","sentiment_score":0.567224383354187},{"text":"So if you open up the email, it has a button that says click here to start.","start":138.345,"end":142.345,"sentiment":"neutral","sentiment_score":0.09683028542820145},{"text":"I believe that's the button that says.","start":142.345,"end":143.97,"sentiment":"neutral","sentiment_score":0.047142522143466134},{"text":"If you click on that button, it'll, like, go through so you can see the summary of your superannuation and insurance currently.","start":144.45,"end":149.75,"sentiment":"neutral","sentiment_score":0.09744558754292401}],"sentiment":"neutral","sentiment_score":0.09972637907621708,"channel":0,"num_words":47,"start":136.665,"end":149.75},{"sentences":[{"text":"Got so I had two emails come through at the same time.","start":156.19,"end":159.01001,"sentiment":"neutral","sentiment_score":0.015449050503472487}],"sentiment":"neutral","sentiment_score":0.015449050503472487,"channel":1,"num_words":12,"start":156.19,"end":159.01001},{"sentences":[{"text":"Oh, you're absolutely fine.","start":159.72499,"end":161.665,"sentiment":"neutral","sentiment_score":0.12380289472639561}],"sentiment":"neutral","sentiment_score":0.12380289472639561,"channel":0,"num_words":4,"start":159.72499,"end":161.665},{"sentences":[{"text":"I think that's unrelated.","start":164.045,"end":165.745,"sentiment":"neutral","sentiment_score":-0.10805436968803406},{"text":"So I've got a a sign document button.","start":168.28499,"end":173.745,"sentiment":"neutral","sentiment_score":-0.010702928761020303}],"sentiment":"neutral","sentiment_score":-0.043153409070024885,"channel":1,"num_words":12,"start":164.045,"end":173.745},{"sentences":[{"text":"Yeah.","start":174.76001,"end":175.0,"sentiment":"neutral","sentiment_score":0.0019563790410757065},{"text":"That's the one.","start":175.0,"end":175.64,"sentiment":"neutral","sentiment_score":-0.014478127161661783},{"text":"I'm so sorry.","start":175.64,"end":176.6,"sentiment":"neutral","sentiment_score":-0.17070830861727396},{"text":"This is a new system, so I haven't actually seen what you see yet.","start":176.6,"end":179.88,"sentiment":"neutral","sentiment_score":-0.16945928760937282},{"text":"I do apologize.","start":179.88,"end":180.70001,"sentiment":"neutral","sentiment_score":-0.15314668913682303}],"sentiment":"neutral","sentiment_score":-0.14106137592655918,"channel":0,"num_words":24,"start":174.76001,"end":180.70001},{"sentences":[{"text":"Yeah.","start":180.84001,"end":181.34001,"sentiment":"neutral","sentiment_score":-0.04076401889324188},{"text":"Yeah.","start":182.44,"end":182.68001,"sentiment":"neutral","sentiment_score":-0.03534984961152077},{"text":"I know what that's like.","start":182.68001,"end":183.64,"sentiment":"neutral","sentiment_score":-0.06138815954327583},{"text":"Because, like, I don't know what it looks like because I'm in the back 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oh, no.","start":197.015,"end":198.155,"sentiment":"neutral","sentiment_score":-0.045949187874794004}],"sentiment":"neutral","sentiment_score":-0.05591296793326088,"channel":0,"num_words":46,"start":187.175,"end":198.155},{"sentences":[{"text":"just going into it.","start":201.545,"end":202.585,"sentiment":"neutral","sentiment_score":-0.040390499867498875},{"text":"I think it's loading.","start":202.585,"end":203.69,"sentiment":"neutral","sentiment_score":-0.031742507591843605}],"sentiment":"neutral","sentiment_score":-0.03606650372967124,"channel":1,"num_words":8,"start":201.545,"end":203.69},{"sentences":[{"text":"Yeah.","start":203.96,"end":204.20001,"sentiment":"neutral","sentiment_score":0.015276215970516205},{"text":"You're abs you're absolutely","start":204.20001,"end":205.74,"sentiment":"neutral","sentiment_score":0.02592363627627492}],"sentiment":"neutral","sentiment_score":0.023794152215123175,"channel":0,"num_words":5,"start":203.96,"end":205.74},{"sentences":[{"text":"I","start":205.67,"end":206.17,"sentiment":"neutral","sentiment_score":0.03537685051560402}],"sentiment":"neutral","sentiment_score":0.03537685051560402,"channel":1,"num_words":1,"start":205.67,"end":206.17},{"sentences":[{"text":"fine.","start":205.88,"end":206.38,"sentiment":"neutral","sentiment_score":0.013036459684371948}],"sentiment":"neutral","sentiment_score":0.013036459684371948,"channel":0,"num_words":1,"start":205.88,"end":206.38},{"sentences":[{"text":"hit a time, mate.","start":208.15,"end":209.29,"sentiment":"neutral","sentiment_score":-0.0493098720908165}],"sentiment":"neutral","sentiment_score":-0.0493098720908165,"channel":1,"num_words":4,"start":208.15,"end":209.29},{"sentences":[{"text":"The rain might be affecting your emails too.","start":213.32501,"end":216.225,"sentiment":"neutral","sentiment_score":-0.1991072464734316}],"sentiment":"neutral","sentiment_score":-0.1991072464734316,"channel":0,"num_words":8,"start":213.32501,"end":216.225},{"sentences":[{"text":"The edge of my computer might be affecting it.","start":216.70999,"end":231.425,"sentiment":"neutral","sentiment_score":-0.17778925432099235},{"text":"Doing weird stuff.","start":231.425,"end":232.29,"sentiment":"neutral","sentiment_score":-0.13690624137719473},{"text":"I might try this a little bit differently.","start":232.53,"end":234.46999,"sentiment":"neutral","sentiment_score":-0.09064174629747868},{"text":"Give me a sec.","start":241.40999,"end":242.31,"sentiment":"neutral","sentiment_score":-0.027047176845371723}],"sentiment":"neutral","sentiment_score":-0.11850602878257632,"channel":1,"num_words":24,"start":216.70999,"end":242.31},{"sentences":[{"text":"Yeah.","start":243.525,"end":243.765,"sentiment":"neutral","sentiment_score":0.013077019713819029},{"text":"You're fine.","start":243.765,"end":244.58499,"sentiment":"neutral","sentiment_score":0.037703330628573895}],"sentiment":"neutral","sentiment_score":0.029494560323655605,"channel":0,"num_words":3,"start":243.525,"end":244.58499},{"sentences":[{"text":"That's better.","start":256.67502,"end":257.39502,"sentiment":"neutral","sentiment_score":0.06310385465621948},{"text":"Okay.","start":257.39502,"end":257.89502,"sentiment":"neutral","sentiment_score":0.0665629431605339}],"sentiment":"neutral","sentiment_score":0.06425688415765762,"channel":1,"num_words":3,"start":256.67502,"end":257.89502},{"sentences":[{"text":"Got it there.","start":259.3,"end":260.02,"sentiment":"neutral","sentiment_score":0.10874596486488979},{"text":"Perfect.","start":260.02,"end":260.52,"sentiment":"neutral","sentiment_score":0.30418360233306885}],"sentiment":"neutral","sentiment_score":0.15760537423193455,"channel":0,"num_words":4,"start":259.3,"end":260.52},{"sentences":[{"text":"Yep.","start":260.42,"end":260.74,"sentiment":"neutral","sentiment_score":0.1467076539993286},{"text":"I'm on page one.","start":260.74,"end":262.04,"sentiment":"neutral","sentiment_score":0.18089484050869942}],"sentiment":"neutral","sentiment_score":0.17405740320682525,"channel":1,"num_words":5,"start":260.42,"end":262.04},{"sentences":[{"text":"Excellent.","start":262.9,"end":263.4,"sentiment":"neutral","sentiment_score":0.33271896839141846},{"text":"So when I have a look back at your annual review last year, your balance when you have 24 then was $272,009.57.","start":263.7,"end":271.17502,"sentiment":"neutral","sentiment_score":0.07782805270769379},{"text":"And within a West Supa there, you had about $9,778.41.","start":271.475,"end":276.755,"sentiment":"neutral","sentiment_score":0.014689763262867927},{"text":"So West Supa hasn't really have much of a change.","start":276.755,"end":279.635,"sentiment":"neutral","sentiment_score":-0.17416854128241538},{"text":"There's no contributions going in there.","start":279.635,"end":281.23502,"sentiment":"neutral","sentiment_score":-0.14477211982011795}],"sentiment":"neutral","sentiment_score":-0.008540497370520416,"channel":0,"num_words":49,"start":262.9,"end":281.23502},{"sentences":[{"text":"It looks like all your contributions are going into Hub '24.","start":281.23502,"end":284.39,"sentiment":"neutral","sentiment_score":0.27597868713465606},{"text":"So you will see a a decent increase there.","start":285.01,"end":287.25,"sentiment":"positive","sentiment_score":0.5232559939225515},{"text":"But we're also seeing a little bit of growth, albeit this year, we have seen a lot of ups and downs in the market with what has been happening.","start":287.25,"end":293.91,"sentiment":"neutral","sentiment_score":-0.07595397763211152},{"text":"And I've had a bit of a look at your portfolio because it hasn't really changed in the last couple of years, and I've sort of noticed some areas where we could update or change your portfolio for you.","start":294.37,"end":303.225,"sentiment":"neutral","sentiment_score":0.15347969627533203},{"text":"So I'd love to provide some advice to kind of build on that, make some changes to your portfolio, and keep it working hard and long term for you.","start":303.225,"end":309.965,"sentiment":"positive","sentiment_score":0.6034462071698288}],"sentiment":"neutral","sentiment_score":0.2481030112403071,"channel":0,"num_words":117,"start":281.23502,"end":309.965},{"sentences":[{"text":"Okay?","start":310.025,"end":310.525,"sentiment":"neutral","sentiment_score":0.17267845571041107}],"sentiment":"neutral","sentiment_score":0.17267845571041107,"channel":0,"num_words":1,"start":310.025,"end":310.525},{"sentences":[{"text":"Yep.","start":311.025,"end":311.4,"sentiment":"neutral","sentiment_score":0.19107457995414737}],"sentiment":"neutral","sentiment_score":0.19107457995414737,"channel":1,"num_words":1,"start":311.025,"end":311.4},{"sentences":[{"text":"I'll go here with you in a second when you can see, though.","start":312.27002,"end":314.67,"sentiment":"neutral","sentiment_score":0.09121528840981998},{"text":"It's not underneath that with your Aware super, that's a solely essentially being kept open to keep your insurances in place there.","start":314.67,"end":321.49002,"sentiment":"neutral","sentiment_score":0.06958180560137738},{"text":"Your","start":321.87,"end":322.11002,"sentiment":"neutral","sentiment_score":-0.038378261029720306}],"sentiment":"neutral","sentiment_score":0.07439500587578449,"channel":0,"num_words":36,"start":312.27002,"end":322.11002},{"sentences":[{"text":"Mhmm.","start":321.96,"end":322.46,"sentiment":"neutral","sentiment_score":-0.013611938804388046}],"sentiment":"neutral","sentiment_score":-0.013611938804388046,"channel":1,"num_words":1,"start":321.96,"end":322.46},{"sentences":[{"text":"insurance cover within Aware is more of a it says level, but it's actually more of a group cover because it has definitely decreased.","start":322.11002,"end":328.895,"sentiment":"neutral","sentiment_score":-0.08725328386450808},{"text":"So your life cover and CPD that you had last year within AWARE was at a a sum insured of 348,600, whereas it has decreased while it's just 331,000 here.","start":329.275,"end":342.09497,"sentiment":"neutral","sentiment_score":-0.08151254697392384},{"text":"These sorts of covers do tend to decrease over time.","start":342.56,"end":345.38,"sentiment":"neutral","sentiment_score":-0.23758606165647506},{"text":"Realistically, it's not a bad thing because, I mean, you wanna pay a little bit less.","start":345.91998,"end":350.56,"sentiment":"neutral","sentiment_score":0.09469954250380397},{"text":"This has cost you more this year for the decrease than last year for the insurance premium, but it's also making sure that you have the level of cover that you're after as well.","start":350.56,"end":360.10498,"sentiment":"neutral","sentiment_score":0.12251130447668188}],"sentiment":"neutral","sentiment_score":-0.010831042160198354,"channel":0,"num_words":114,"start":322.11002,"end":360.10498},{"sentences":[{"text":"So when you sort of think about your life cover, if you were to pass away today and I'm 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or did you wanna kinda reassess that?","start":387.395,"end":392.03497,"sentiment":"neutral","sentiment_score":-0.05923234123517485},{"text":"And if you were to pass away today, what do you want that to cover?","start":392.03497,"end":395.315,"sentiment":"neutral","sentiment_score":-0.16832871337731678},{"text":"Who do you want it to go to?","start":395.315,"end":396.935,"sentiment":"neutral","sentiment_score":-0.09519686456769705}],"sentiment":"neutral","sentiment_score":-0.10733638545498252,"channel":0,"num_words":40,"start":387.395,"end":396.935},{"sentences":[{"text":"Well, let me go to my partner, my Select, please.","start":398.21,"end":400.39,"sentiment":"neutral","sentiment_score":0.0032096607610583305}],"sentiment":"neutral","sentiment_score":0.0032096607610583305,"channel":1,"num_words":10,"start":398.21,"end":400.39},{"sentences":[{"text":"Yep.","start":401.54,"end":401.94,"sentiment":"neutral","sentiment_score":0.06787659972906113},{"text":"Yep.","start":401.94,"end":402.26,"sentiment":"neutral","sentiment_score":0.12891250848770142},{"text":"Beautiful.","start":402.26,"end":402.76,"sentiment":"positive","sentiment_score":0.559657096862793},{"text":"That's 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investment.","start":418.54,"end":423.68,"sentiment":"neutral","sentiment_score":0.03357358345467793}],"sentiment":"neutral","sentiment_score":0.029877928127958017,"channel":1,"num_words":22,"start":417.275,"end":423.68},{"sentences":[{"text":"Mhmm.","start":423.425,"end":423.72,"sentiment":"neutral","sentiment_score":0.010812709107995032},{"text":"Okay.","start":424.68,"end":425.0,"sentiment":"neutral","sentiment_score":0.004798552021384239},{"text":"No.","start":425.0,"end":425.32,"sentiment":"neutral","sentiment_score":-0.02752419002354145},{"text":"That's alright.","start":425.32,"end":425.72,"sentiment":"neutral","sentiment_score":-0.008136245887726545},{"text":"Is that in Preston?","start":425.72,"end":426.7,"sentiment":"neutral","sentiment_score":0.005954170715995133}],"sentiment":"neutral","sentiment_score":-0.000485415311737193,"channel":0,"num_words":9,"start":423.425,"end":426.7},{"sentences":[{"text":"Yep.","start":427.34,"end":427.84,"sentiment":"neutral","sentiment_score":0.0730566531419754}],"sentiment":"neutral","sentiment_score":0.0730566531419754,"channel":1,"num_words":1,"start":427.34,"end":427.84},{"sentences":[{"text":"Yeah.","start":429.0,"end":429.32,"sentiment":"neutral","sentiment_score":0.16964057087898254},{"text":"That's perfect.","start":429.32,"end":429.96,"sentiment":"positive","sentiment_score":0.4951629936695099},{"text":"I'll just delete the other one here.","start":429.96,"end":431.24,"sentiment":"neutral","sentiment_score":0.19408845688615525},{"text":"It looks like it might have been noted down to five from the past, so it's absolutely fine.","start":431.24,"end":435.32,"sentiment":"neutral","sentiment_score":0.20247839184270966},{"text":"So I'll just delete that for you.","start":435.32,"end":437.085,"sentiment":"neutral","sentiment_score":0.14466819699321473}],"sentiment":"neutral","sentiment_score":0.20502497681549617,"channel":0,"num_words":35,"start":429.0,"end":437.085},{"sentences":[{"text":"So, realistically, now if you think about that that 651,000, how much do you have owing on your main primary residence currently?","start":437.245,"end":444.54498,"sentiment":"neutral","sentiment_score":0.012035758784887466}],"sentiment":"neutral","sentiment_score":0.012035758784887466,"channel":0,"num_words":22,"start":437.245,"end":444.54498},{"sentences":[{"text":"About 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over time because they're not because they do increase in price.","start":722.815,"end":734.83,"sentiment":"neutral","sentiment_score":-0.0601671455766667},{"text":"I mean, if you look at the the cover last year, as I kinda mentioned, is you had about 348,000 of life and TBD.","start":734.83,"end":741.89,"sentiment":"neutral","sentiment_score":-0.056232383785148464}],"sentiment":"neutral","sentiment_score":-0.048807380078681586,"channel":0,"num_words":116,"start":706.36,"end":741.89},{"sentences":[{"text":"It's decreased to 331,050, even though where.","start":741.95,"end":745.665,"sentiment":"neutral","sentiment_score":-0.09883228476558413},{"text":"But last year, you paid a thousand and 57 for the insurance premium for the year.","start":745.985,"end":751.26495,"sentiment":"neutral","sentiment_score":-0.10626710625365376},{"text":"If this year, you're paying a thousand 117.","start":751.26495,"end":754.005,"sentiment":"neutral","sentiment_score":-0.09198639821261168},{"text":"So within the industry funds, these insurances are decreasing, but it looks like your the amount you're paying because the risk of you claiming is becoming increasingly higher over time.","start":754.14496,"end":765.18,"sentiment":"neutral","sentiment_score":-0.1942909742395083}],"sentiment":"neutral","sentiment_score":-0.14683147715251954,"channel":0,"num_words":61,"start":741.95,"end":765.18},{"sentences":[{"text":"Mhmm.","start":765.04504,"end":765.48,"sentiment":"neutral","sentiment_score":-0.01747896894812584}],"sentiment":"neutral","sentiment_score":-0.01747896894812584,"channel":1,"num_words":1,"start":765.04504,"end":765.48},{"sentences":[{"text":"And that that also has an effect on your super.","start":765.8,"end":768.44,"sentiment":"neutral","sentiment_score":0.010958725214004516},{"text":"So we definitely wanna make sure we review those with you.","start":768.44,"end":771.695,"sentiment":"neutral","sentiment_score":0.13321926986629312},{"text":"But do you think the now CBD 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see you work for the state government in forestry work, so bushfire services.","start":821.92,"end":826.755,"sentiment":"neutral","sentiment_score":0.0640712670981884},{"text":"Is that right?","start":826.815,"end":827.71497,"sentiment":"neutral","sentiment_score":0.07952319209774335}],"sentiment":"neutral","sentiment_score":0.036232800878308435,"channel":0,"num_words":27,"start":818.56,"end":827.71497},{"sentences":[{"text":"Yeah.","start":827.99,"end":828.31,"sentiment":"neutral","sentiment_score":0.07123301923274994},{"text":"That's right.","start":828.31,"end":829.13,"sentiment":"neutral","sentiment_score":0.11627919599413872}],"sentiment":"neutral","sentiment_score":0.10126380374034245,"channel":1,"num_words":3,"start":827.99,"end":829.13},{"sentences":[{"text":"Yeah.","start":831.375,"end":831.875,"sentiment":"neutral","sentiment_score":0.13274337351322174},{"text":"That's 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insurance, they're insuring themselves.","start":939.69495,"end":947.51,"sentiment":"neutral","sentiment_score":0.1570070001386827}],"sentiment":"neutral","sentiment_score":0.12605165639671229,"channel":0,"num_words":59,"start":929.77496,"end":947.51},{"sentences":[{"text":"So it's just insurance on top of insurance on top of insurance.","start":947.51,"end":950.65,"sentiment":"neutral","sentiment_score":0.1040576317658027},{"text":"Every provider is reinsuring themselves for the risk of you claiming down the bottom here.","start":950.79004,"end":955.19,"sentiment":"neutral","sentiment_score":0.04572912057240804},{"text":"It's a really interesting cycle to look at, and I was like, this is truly insane.","start":955.19,"end":959.555,"sentiment":"negative","sentiment_score":-0.343645510263741},{"text":"No wonder insurance premiums cost so much.","start":959.555,"end":961.555,"sentiment":"negative","sentiment_score":-0.3958468905517033},{"text":"Just everyone is just insuring themselves for the for the policy.","start":961.555,"end":964.615,"sentiment":"neutral","sentiment_score":-0.1566682830452919}],"sentiment":"neutral","sentiment_score":-0.1320980183902334,"channel":0,"num_words":61,"start":947.51,"end":964.615},{"sentences":[{"text":"Something a bit meta.","start":966.44,"end":968.44,"sentiment":"neutral","sentiment_score":-0.2530737668275833},{"text":"I don't know.","start":968.44,"end":969.25995,"sentiment":"neutral","sentiment_score":-0.2351522445678711}],"sentiment":"neutral","sentiment_score":-0.2453931144305638,"channel":1,"num_words":7,"start":966.44,"end":969.25995},{"sentences":[{"text":"No.","start":972.75,"end":973.07,"sentiment":"neutral","sentiment_score":-0.274872750043869},{"text":"All good.","start":973.07,"end":973.47,"sentiment":"neutral","sentiment_score":-0.03837055340409279},{"text":"Well, if I do go back and and have a look at the insurance, it's going to see what I'm able to obtain.","start":973.47,"end":977.95,"sentiment":"neutral","sentiment_score":0.14034559350946677},{"text":"See if I can maybe consolidate your supers and see what we can do to kind of benefit your super moving forward.","start":977.95,"end":983.81,"sentiment":"positive","sentiment_score":0.47270064326849853},{"text":"Did you want me to look at the same level of life and TDD, or did you just want me to maybe look at the enough to cover both the mortgages?","start":984.255,"end":991.395,"sentiment":"neutral","sentiment_score":0.10721300986986007}],"sentiment":"neutral","sentiment_score":0.21011838293339632,"channel":0,"num_words":79,"start":972.75,"end":991.395},{"sentences":[{"text":"What would you want to cover in the event of a life and or total permanent disability event that you would like me to look at for you?","start":991.695,"end":997.77,"sentiment":"neutral","sentiment_score":0.09725885452436549}],"sentiment":"neutral","sentiment_score":0.09725885452436549,"channel":0,"num_words":28,"start":991.695,"end":997.77},{"sentences":[{"text":"Well, yeah, mortgages is a minimum.","start":999.375,"end":1001.39496,"sentiment":"neutral","sentiment_score":-0.011595817282795906},{"text":"If it was with permanent disability, I think there'd need to be a bit more on that","start":1002.975,"end":1006.41,"sentiment":"neutral","sentiment_score":-0.026861417052500388}],"sentiment":"neutral","sentiment_score":-0.022879086677794872,"channel":1,"num_words":23,"start":999.375,"end":1006.41},{"sentences":[{"text":"Yeah.","start":1009.21,"end":1009.61005,"sentiment":"neutral","sentiment_score":0.02196412533521652},{"text":"Would you like me to gross it up for maybe the 22 percent tax aspect?","start":1009.61005,"end":1013.245,"sentiment":"neutral","sentiment_score":0.06402168199419975},{"text":"So in the event of a claim, we","start":1013.245,"end":1016.045,"sentiment":"neutral","sentiment_score":0.03258739598095417}],"sentiment":"neutral","sentiment_score":0.05179118846232692,"channel":0,"num_words":24,"start":1009.21,"end":1016.045},{"sentences":[{"text":"too.","start":1015.85,"end":1016.35,"sentiment":"neutral","sentiment_score":0.0032783597707748413}],"sentiment":"neutral","sentiment_score":0.0032783597707748413,"channel":1,"num_words":1,"start":1015.85,"end":1016.35},{"sentences":[{"text":"consider and look.","start":1016.045,"end":1017.245,"sentiment":"neutral","sentiment_score":-0.011049613356590271},{"text":"Honestly, if you were to claim, we would try to keep the money invested.","start":1017.245,"end":1021.665,"sentiment":"neutral","sentiment_score":-0.06342404867921557},{"text":"So a lot of people do pull all the money out as a whole, and that's where that 22 tax can really kinda get a hold of you.","start":1021.725,"end":1028.8301,"sentiment":"neutral","sentiment_score":-0.1428128680480378},{"text":"The tax is up to 22%.","start":1028.89,"end":1030.81,"sentiment":"neutral","sentiment_score":-0.17987191925446191},{"text":"It could be less than that.","start":1030.81,"end":1031.93,"sentiment":"neutral","sentiment_score":-0.206708033879598}],"sentiment":"neutral","sentiment_score":-0.12700571132856503,"channel":0,"num_words":57,"start":1016.045,"end":1031.93},{"sentences":[{"text":"It's just that we don't know because of the math calculation at the time of claim.","start":1031.93,"end":1035.4501,"sentiment":"neutral","sentiment_score":-0.22428388940170407},{"text":"It determines the actual taxable component.","start":1035.4501,"end":1037.7101,"sentiment":"neutral","sentiment_score":-0.10605600600441296},{"text":"So we utilize the 22% because this is the worst case scenario that you could see.","start":1038.65,"end":1043.4349,"sentiment":"neutral","sentiment_score":-0.22591490531340241},{"text":"But","start":1043.8949,"end":1044.215,"sentiment":"neutral","sentiment_score":-0.007778346538543701}],"sentiment":"neutral","sentiment_score":-0.20121269482068527,"channel":0,"num_words":39,"start":1031.93,"end":1044.215},{"sentences":[{"text":"Yes.","start":1044.04,"end":1044.54,"sentiment":"neutral","sentiment_score":-0.07844159007072449}],"sentiment":"neutral","sentiment_score":-0.07844159007072449,"channel":1,"num_words":1,"start":1044.04,"end":1044.54},{"sentences":[{"text":"we would also provide advice to try and keep as much money invested working harder because given your age I mean, you're 42 this forty forty three this year in December, so 42 years of age now.","start":1044.215,"end":1056.215,"sentiment":"neutral","sentiment_score":0.10422161745058524},{"text":"Do you still have seventeen years before you can access super at the age of 60.","start":1056.215,"end":1061.26,"sentiment":"neutral","sentiment_score":-0.00340487330686301},{"text":"And then if you think about if you were not working, that's to the age of 60, but then there's a whole another lifetime in retirement that has to be funded and and to look after you as well.","start":1061.56,"end":1071.18,"sentiment":"neutral","sentiment_score":0.05531255318186222},{"text":"So we would wanna try and keep as much money invested in the super system or in a way that it's maybe paying your regular income, but still making it work long term for you so that the money lasts as long as possible.","start":1071.605,"end":1082.0673,"sentiment":"positive","sentiment_score":0.39241873066533695},{"text":"Does that make sense?","start":1082.0673,"end":1082.905,"sentiment":"neutral","sentiment_score":0.16907993331551552}],"sentiment":"neutral","sentiment_score":0.17072610949565256,"channel":0,"num_words":140,"start":1044.215,"end":1082.905},{"sentences":[{"text":"Yes.","start":1085.285,"end":1085.765,"sentiment":"neutral","sentiment_score":0.1278795450925827},{"text":"Yes.","start":1085.765,"end":1086.265,"sentiment":"neutral","sentiment_score":0.10181020200252532}],"sentiment":"neutral","sentiment_score":0.11484487354755402,"channel":1,"num_words":2,"start":1085.285,"end":1086.265},{"sentences":[{"text":"Grossing up the TBD to a factor in the 22% tax, so maybe look at paying out both the mortgages and factor the tax component for the TBD side of","start":1091.66,"end":1101.0951,"sentiment":"neutral","sentiment_score":0.03889238021026055}],"sentiment":"neutral","sentiment_score":0.03889238021026055,"channel":0,"num_words":30,"start":1091.66,"end":1101.0951},{"sentences":[{"text":"Yeah.","start":1101.5599,"end":1102.035,"sentiment":"neutral","sentiment_score":0.02557379379868507},{"text":"Let's do that.","start":1102.035,"end":1103.015,"sentiment":"neutral","sentiment_score":0.028567226603627205}],"sentiment":"neutral","sentiment_score":0.027818868402391672,"channel":1,"num_words":4,"start":1101.5599,"end":1103.015},{"sentences":[{"text":"things?","start":1102.915,"end":1103.415,"sentiment":"neutral","sentiment_score":0.01843283325433731},{"text":"Yeah.","start":1104.995,"end":1105.395,"sentiment":"neutral","sentiment_score":0.11535155773162842},{"text":"Beautiful.","start":1105.395,"end":1105.875,"sentiment":"positive","sentiment_score":0.36319637298583984},{"text":"Did you wanna look at covering any years worth of income as well, or are you happy to looking at that as a base level of TBD?","start":1105.875,"end":1112.295,"sentiment":"neutral","sentiment_score":0.09125513804179651}],"sentiment":"neutral","sentiment_score":0.09869564970334371,"channel":0,"num_words":30,"start":1102.915,"end":1112.295},{"sentences":[{"text":"I think that is the base level.","start":1113.3151,"end":1115.3351,"sentiment":"neutral","sentiment_score":0.041190511147890775}],"sentiment":"neutral","sentiment_score":0.041190511147890775,"channel":1,"num_words":7,"start":1113.3151,"end":1115.3351},{"sentences":[{"text":"Yep.","start":1117.56,"end":1118.06,"sentiment":"neutral","sentiment_score":0.21750640869140625},{"text":"Beautiful.","start":1118.2001,"end":1118.7001,"sentiment":"positive","sentiment_score":0.536409318447113},{"text":"Fantastic.","start":1119.16,"end":1119.66,"sentiment":"positive","sentiment_score":0.6059496402740479},{"text":"And I can also look at linking life and grossing that up as 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can","start":1131.075,"end":1131.475,"sentiment":"neutral","sentiment_score":0.11937269568443298}],"sentiment":"neutral","sentiment_score":0.17428290166638113,"channel":0,"num_words":11,"start":1128.195,"end":1131.475},{"sentences":[{"text":"Oh,","start":1131.345,"end":1131.505,"sentiment":"neutral","sentiment_score":0.13013066351413727}],"sentiment":"neutral","sentiment_score":0.13013066351413727,"channel":1,"num_words":1,"start":1131.345,"end":1131.505},{"sentences":[{"text":"look","start":1131.475,"end":1131.635,"sentiment":"neutral","sentiment_score":0.10876436531543732}],"sentiment":"neutral","sentiment_score":0.10876436531543732,"channel":0,"num_words":1,"start":1131.475,"end":1131.635},{"sentences":[{"text":"yeah.","start":1131.505,"end":1132.005,"sentiment":"neutral","sentiment_score":0.14212846755981445}],"sentiment":"neutral","sentiment_score":0.14212846755981445,"channel":1,"num_words":1,"start":1131.505,"end":1132.005},{"sentences":[{"text":"at that for you.","start":1131.635,"end":1132.4349,"sentiment":"neutral","sentiment_score":0.13021655566990376},{"text":"Absolutely.","start":1132.4349,"end":1132.9349,"sentiment":"neutral","sentiment_score":0.3234301805496216},{"text":"Yep.","start":1134.275,"end":1134.775,"sentiment":"neutral","sentiment_score":0.2724049687385559},{"text":"Beautiful.","start":1134.835,"end":1135.335,"sentiment":"positive","sentiment_score":0.4260164499282837},{"text":"And we you've also got your income protection benefit there.","start":1136.515,"end":1139.715,"sentiment":"neutral","sentiment_score":0.18535553514957429}],"sentiment":"neutral","sentiment_score":0.1997807749054011,"channel":0,"num_words":17,"start":1131.635,"end":1139.715},{"sentences":[{"text":"Now that hasn't changed.","start":1139.715,"end":1141.015,"sentiment":"neutral","sentiment_score":0.07118586916476488},{"text":"You still have the monthly benefit of 3,000 in the event of claiming.","start":1141.155,"end":1145.51,"sentiment":"neutral","sentiment_score":0.10612922219129708},{"text":"Again, income protection is a taxable payment.","start":1146.2899,"end":1148.87,"sentiment":"neutral","sentiment_score":0.0691460594534874},{"text":"So if you are on an income protection claim, that monthly benefit is pretax, the same as your income.","start":1148.9299,"end":1155.91,"sentiment":"neutral","sentiment_score":0.10233157637872194},{"text":"So, realistically, you're probably looking at about $252.06 as a monthly benefit.","start":1157.805,"end":1162.785,"sentiment":"neutral","sentiment_score":0.14103179859618345}],"sentiment":"neutral","sentiment_score":0.1051841330121864,"channel":0,"num_words":55,"start":1139.715,"end":1162.785},{"sentences":[{"text":"Does that feel fairly sufficient for you if you weren't able to work in the short term?","start":1163.165,"end":1166.925,"sentiment":"neutral","sentiment_score":0.08234330442021875},{"text":"Would you wanna look at some income protection that might be more sufficient for your age and age?","start":1166.925,"end":1172.17,"sentiment":"neutral","sentiment_score":0.03731152632584175},{"text":"Or","start":1172.17,"end":1172.67,"sentiment":"neutral","sentiment_score":0.03077956661581993}],"sentiment":"neutral","sentiment_score":0.05839508932290806,"channel":0,"num_words":36,"start":1163.165,"end":1172.67},{"sentences":[{"text":"Yeah.","start":1173.8201,"end":1174.06,"sentiment":"neutral","sentiment_score":0.015712842345237732},{"text":"Maybe.","start":1174.06,"end":1174.56,"sentiment":"neutral","sentiment_score":-0.006053455173969269},{"text":"I would say that after tax, that would be probably the minimum.","start":1175.02,"end":1179.2001,"sentiment":"neutral","sentiment_score":-0.022988384279112022},{"text":"Might be a little tight 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you on a 107,000.","start":1186.1649,"end":1189.205,"sentiment":"neutral","sentiment_score":0.01655823248438537},{"text":"Has it gone up since we last touched base?","start":1189.205,"end":1191.625,"sentiment":"neutral","sentiment_score":0.008475110659168826}],"sentiment":"neutral","sentiment_score":0.0226096802836527,"channel":0,"num_words":23,"start":1182.81,"end":1191.625},{"sentences":[{"text":"That's a good question, what my base wage is, because I never see my base wage.","start":1193.1151,"end":1196.8151,"sentiment":"neutral","sentiment_score":0.10024398739915341},{"text":"Because I get overtime.","start":1197.515,"end":1198.7351,"sentiment":"neutral","sentiment_score":-0.02211815258488059},{"text":"So I'm","start":1199.035,"end":1200.87,"sentiment":"neutral","sentiment_score":0.020033817272633314}],"sentiment":"neutral","sentiment_score":0.07070449193600904,"channel":1,"num_words":22,"start":1193.1151,"end":1200.87},{"sentences":[{"text":"Yeah.","start":1201.43,"end":1201.93,"sentiment":"neutral","sentiment_score":0.02465077303349972}],"sentiment":"neutral","sentiment_score":0.02465077303349972,"channel":0,"num_words":1,"start":1201.43,"end":1201.93},{"sentences":[{"text":"I'm about I'm about a 130 all up.","start":1201.49,"end":1205.03,"sentiment":"neutral","sentiment_score":0.012387242051772773},{"text":"What is my base wage?","start":1207.41,"end":1208.45,"sentiment":"neutral","sentiment_score":0.017496271058917046},{"text":"That's a good question.","start":1208.45,"end":1209.59,"sentiment":"neutral","sentiment_score":0.2859891876578331},{"text":"I can remember how to look up a pay 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the base.","start":1312.975,"end":1314.095,"sentiment":"positive","sentiment_score":0.3387742539246877},{"text":"Yep.","start":1314.095,"end":1314.54,"sentiment":"neutral","sentiment_score":0.1945654004812241}],"sentiment":"neutral","sentiment_score":0.3027220405638218,"channel":1,"num_words":4,"start":1312.975,"end":1314.54},{"sentences":[{"text":"So So if I look out so, realistically, with income protection, you can be covered up to 70% of your pretax income.","start":1331.765,"end":1339.35,"sentiment":"neutral","sentiment_score":0.148525248196992},{"text":"If we're","start":1339.73,"end":1340.13,"sentiment":"neutral","sentiment_score":0.07479052990674973}],"sentiment":"neutral","sentiment_score":0.14238068833947182,"channel":0,"num_words":24,"start":1331.765,"end":1340.13},{"sentences":[{"text":"Mhmm.","start":1340.125,"end":1340.46,"sentiment":"neutral","sentiment_score":0.04485142230987549}],"sentiment":"neutral","sentiment_score":0.04485142230987549,"channel":1,"num_words":1,"start":1340.125,"end":1340.46},{"sentences":[{"text":"working on just your pay, 114,000, that means realistically, we need to look at a, like, a gross monthly benefit of 6,650.","start":1340.13,"end":1355.865,"sentiment":"neutral","sentiment_score":0.06255195069719445},{"text":"Did you want me to look at the income protection and see if I could maybe get that for you and see what it","start":1356.405,"end":1363.26,"sentiment":"neutral","sentiment_score":0.07325478534524639}],"sentiment":"neutral","sentiment_score":0.06813603833965633,"channel":0,"num_words":46,"start":1340.13,"end":1363.26},{"sentences":[{"text":"Yeah.","start":1363.245,"end":1363.5651,"sentiment":"neutral","sentiment_score":0.05887390300631523},{"text":"Just for a comparison.","start":1363.5651,"end":1364.625,"sentiment":"neutral","sentiment_score":0.04338893201202154}],"sentiment":"neutral","sentiment_score":0.04648592621088028,"channel":1,"num_words":5,"start":1363.245,"end":1364.625},{"sentences":[{"text":"looks","start":1364.3,"end":1364.8,"sentiment":"neutral","sentiment_score":0.0509248822927475}],"sentiment":"neutral","sentiment_score":0.0509248822927475,"channel":0,"num_words":1,"start":1364.3,"end":1364.8},{"sentences":[{"text":"That would be good.","start":1364.8451,"end":1365.84,"sentiment":"neutral","sentiment_score":0.1960870735347271}],"sentiment":"neutral","sentiment_score":0.1960870735347271,"channel":1,"num_words":4,"start":1364.8451,"end":1365.84},{"sentences":[{"text":"like?","start":1365.84,"end":1366.34,"sentiment":"neutral","sentiment_score":0.11429587751626968},{"text":"Yep.","start":1367.38,"end":1367.86,"sentiment":"neutral","sentiment_score":0.11879128217697144},{"text":"Yeah.","start":1367.86,"end":1368.18,"sentiment":"neutral","sentiment_score":0.19138240814208984},{"text":"Absolutely.","start":1368.18,"end":1368.68,"sentiment":"neutral","sentiment_score":0.2431066930294037},{"text":"Well, what I'll do because there's there's some things I would like to do, you see for as well, so an alteration of some of the investments there for you to kinda keep working harder.","start":1368.74,"end":1376.415,"sentiment":"neutral","sentiment_score":0.03470152201397078}],"sentiment":"neutral","sentiment_score":0.04825973157317211,"channel":0,"num_words":39,"start":1365.84,"end":1376.415},{"sentences":[{"text":"So I can go back and do the research on the insurances.","start":1376.795,"end":1379.295,"sentiment":"neutral","sentiment_score":0.0419281671444575},{"text":"I can always make a recommendation if I can find, you know, a more appropriate cover that covers your needs.","start":1379.435,"end":1385.755,"sentiment":"neutral","sentiment_score":0.12222740314900875},{"text":"I can always make that recommendation as part of the advice and show you what that looks like.","start":1385.755,"end":1390.335,"sentiment":"neutral","sentiment_score":0.26059262868430877},{"text":"Any advice that you provide is just advice, and then you get to decide whether you wanna take that or not.","start":1390.89,"end":1395.6901,"sentiment":"neutral","sentiment_score":0.10637377220250312},{"text":"Does that sound okay?","start":1395.6901,"end":1396.75,"sentiment":"neutral","sentiment_score":0.1211002804338932}],"sentiment":"neutral","sentiment_score":0.13808804964025814,"channel":0,"num_words":75,"start":1376.795,"end":1396.75},{"sentences":[{"text":"Yeah.","start":1397.0,"end":1397.4,"sentiment":"neutral","sentiment_score":0.0953565314412117},{"text":"Yep.","start":1397.4,"end":1397.9,"sentiment":"neutral","sentiment_score":0.12308307737112044}],"sentiment":"neutral","sentiment_score":0.10921980440616608,"channel":1,"num_words":2,"start":1397.0,"end":1397.9},{"sentences":[{"text":"Yeah.","start":1400.01,"end":1400.41,"sentiment":"neutral","sentiment_score":0.24002401530742645},{"text":"Beautiful.","start":1400.41,"end":1400.91,"sentiment":"positive","sentiment_score":0.43599316477775574},{"text":"Now on the bottom of that, you can see with the income protection, you've got a ninety day waiting period and a two year benefit period.","start":1401.4501,"end":1407.615,"sentiment":"neutral","sentiment_score":0.049677326988715395},{"text":"That essentially means that you'd have to be off work the ninety days prior to making a claim and a two year benefit period so you can be on a claim for up to two years.","start":1407.615,"end":1416.115,"sentiment":"neutral","sentiment_score":0.03320416655494935}],"sentiment":"neutral","sentiment_score":0.04942152621515561,"channel":0,"num_words":64,"start":1400.01,"end":1416.115},{"sentences":[{"text":"Okay.","start":1416.6951,"end":1417.17,"sentiment":"neutral","sentiment_score":-0.09855654090642928}],"sentiment":"neutral","sentiment_score":-0.09855654090642928,"channel":1,"num_words":1,"start":1416.6951,"end":1417.17},{"sentences":[{"text":"With your occupation, getting a lower waiting period could be very tough.","start":1416.9801,"end":1421.9401,"sentiment":"neutral","sentiment_score":-0.2621600230534871},{"text":"I know with the other insurers out there with your occupation, some of them do have a minimum ninety day waiting period.","start":1421.9401,"end":1428.5801,"sentiment":"neutral","sentiment_score":0.003919479098509659},{"text":"Are you comfortable with that kind of waiting period?","start":1428.5801,"end":1430.8401,"sentiment":"neutral","sentiment_score":-0.016757524779273406}],"sentiment":"neutral","sentiment_score":-0.07466301068576962,"channel":0,"num_words":43,"start":1416.9801,"end":1430.8401},{"sentences":[{"text":"Yeah.","start":1431.65,"end":1432.13,"sentiment":"neutral","sentiment_score":0.044390447437763214},{"text":"I am.","start":1432.13,"end":1432.815,"sentiment":"neutral","sentiment_score":0.08467444777488708}],"sentiment":"neutral","sentiment_score":0.07124644766251247,"channel":1,"num_words":3,"start":1431.65,"end":1432.815},{"sentences":[{"text":"Yes.","start":1435.125,"end":1435.4451,"sentiment":"neutral","sentiment_score":0.2726763188838959},{"text":"Beautiful.","start":1435.4451,"end":1435.9451,"sentiment":"positive","sentiment_score":0.6140914559364319},{"text":"And with the two year benefit period, it just means that you can be on a claim for up to two years.","start":1436.005,"end":1440.3251,"sentiment":"neutral","sentiment_score":0.17656473070383072},{"text":"So if you're on an income protection claim, and at that two year mark, still can't go back to work.","start":1440.3251,"end":1446.56,"sentiment":"neutral","sentiment_score":0.002008811547420919},{"text":"It does mean that the income protection claim will stop regardless.","start":1446.56,"end":1449.62,"sentiment":"neutral","sentiment_score":0.021960368549281902}],"sentiment":"neutral","sentiment_score":0.09187149336900223,"channel":0,"num_words":55,"start":1435.125,"end":1449.62},{"sentences":[{"text":"Did you are you happy with two years to try and keep the policy cheaper, or did you wanna look at a longer benefit period?","start":1449.76,"end":1456.5,"sentiment":"neutral","sentiment_score":0.04659031249582767}],"sentiment":"neutral","sentiment_score":0.04659031249582767,"channel":0,"num_words":25,"start":1449.76,"end":1456.5},{"sentences":[{"text":"Might be good for two years for now.","start":1458.3401,"end":1459.755,"sentiment":"neutral","sentiment_score":0.0406664852052927}],"sentiment":"neutral","sentiment_score":0.0406664852052927,"channel":1,"num_words":8,"start":1458.3401,"end":1459.755},{"sentences":[{"text":"Two years?","start":1462.0951,"end":1462.8151,"sentiment":"neutral","sentiment_score":0.014527478255331516},{"text":"Not a problem at all.","start":1462.8151,"end":1463.935,"sentiment":"neutral","sentiment_score":0.1559863954782486},{"text":"Beautiful.","start":1463.935,"end":1464.435,"sentiment":"positive","sentiment_score":0.5774005651473999},{"text":"Well, I will go back and do the the research there for you.","start":1464.8151,"end":1467.6951,"sentiment":"neutral","sentiment_score":0.30624608580882734},{"text":"Before the end of the call, I'll just book in a time for my colleagues to go through a pre assessment with you, and","start":1467.6951,"end":1472.86,"sentiment":"neutral","sentiment_score":0.17093118000775576}],"sentiment":"neutral","sentiment_score":0.21044299855000442,"channel":0,"num_words":45,"start":1462.0951,"end":1472.86},{"sentences":[{"text":"Yep.","start":1472.795,"end":1473.06,"sentiment":"neutral","sentiment_score":0.1444091796875}],"sentiment":"neutral","sentiment_score":0.1444091796875,"channel":1,"num_words":1,"start":1472.795,"end":1473.06},{"sentences":[{"text":"then I'll go back and do the research to go out to market and see what we can find.","start":1472.86,"end":1476.5399,"sentiment":"neutral","sentiment_score":0.1797174262373071},{"text":"And I can update the advice to reflect and show you what it looks like as a whole.","start":1476.5399,"end":1480.48,"sentiment":"neutral","sentiment_score":0.22001763764354917},{"text":"And then it'll also have the advantages, the disadvantages, the risks involved, and any alternatives we've also considered.","start":1481.1799,"end":1487.12,"sentiment":"neutral","sentiment_score":0.09980607736441824},{"text":"And then you get to decide whether you wanna take the advice or not.","start":1487.845,"end":1490.725,"sentiment":"neutral","sentiment_score":0.060635446038629325},{"text":"How does that sound?","start":1490.725,"end":1491.705,"sentiment":"neutral","sentiment_score":0.08295077830553055}],"sentiment":"neutral","sentiment_score":0.14181037433445454,"channel":0,"num_words":73,"start":1472.86,"end":1491.705},{"sentences":[{"text":"Yes.","start":1492.2749,"end":1492.5149,"sentiment":"neutral","sentiment_score":0.2001345306634903},{"text":"Perfect.","start":1492.5149,"end":1493.0149,"sentiment":"positive","sentiment_score":0.4600569605827331}],"sentiment":"neutral","sentiment_score":0.3300957456231117,"channel":1,"num_words":2,"start":1492.2749,"end":1493.0149},{"sentences":[{"text":"Beautiful.","start":1495.5249,"end":1496.0249,"sentiment":"positive","sentiment_score":0.547950267791748},{"text":"Fantastic.","start":1496.1649,"end":1496.6649,"sentiment":"positive","sentiment_score":0.5422679781913757},{"text":"Emma, if you move to the next document for me, the next one along oh, sorry.","start":1497.2849,"end":1500.8049,"sentiment":"neutral","sentiment_score":0.14226668269839138},{"text":"Before you do, I just have to have to double check.","start":1500.8049,"end":1503.15,"sentiment":"neutral","sentiment_score":-0.00041454386982050807},{"text":"There are other types of insurances that you can also have that are paid outside of super, like trauma.","start":1503.31,"end":1508.85,"sentiment":"neutral","sentiment_score":0.007492027196444963}],"sentiment":"neutral","sentiment_score":0.07300570215253781,"channel":0,"num_words":48,"start":1495.5249,"end":1508.85},{"sentences":[{"text":"Are you open or wanting to look at any additional covers, or are you just happy with the life of keeping in the income protection?","start":1509.39,"end":1515.17,"sentiment":"neutral","sentiment_score":0.017727395668625832},{"text":"Sorry about that.","start":1515.23,"end":1516.2101,"sentiment":"neutral","sentiment_score":-0.1103609949350357}],"sentiment":"neutral","sentiment_score":0.004003639532519239,"channel":0,"num_words":28,"start":1509.39,"end":1516.2101},{"sentences":[{"text":"No.","start":1516.5449,"end":1516.705,"sentiment":"neutral","sentiment_score":-0.11679325252771378},{"text":"No.","start":1516.705,"end":1516.945,"sentiment":"neutral","sentiment_score":-0.1186237335205078},{"text":"That's fine.","start":1516.945,"end":1517.6849,"sentiment":"neutral","sentiment_score":-0.037973493337631226},{"text":"Yeah.","start":1517.745,"end":1518.065,"sentiment":"neutral","sentiment_score":0.0008981209248304367},{"text":"No.","start":1518.065,"end":1518.385,"sentiment":"neutral","sentiment_score":-0.04320776462554931}],"sentiment":"neutral","sentiment_score":-0.05894560273736715,"channel":1,"num_words":6,"start":1516.5449,"end":1518.385},{"sentences":[{"text":"I'm happy to go with that.","start":1518.385,"end":1521.125,"sentiment":"neutral","sentiment_score":0.018597850886483986}],"sentiment":"neutral","sentiment_score":0.018597850886483986,"channel":1,"num_words":6,"start":1518.385,"end":1521.125},{"sentences":[{"text":"Yep.","start":1523.325,"end":1523.8049,"sentiment":"neutral","sentiment_score":0.16826122999191284},{"text":"Perfect.","start":1523.8049,"end":1524.3049,"sentiment":"positive","sentiment_score":0.3826640844345093},{"text":"Not a problem.","start":1524.365,"end":1525.085,"sentiment":"neutral","sentiment_score":0.27246853709220886},{"text":"I'll scrape that trauma and any additional personal insurance.","start":1525.085,"end":1528.38,"sentiment":"neutral","sentiment_score":0.18550051748752594},{"text":"We'll just focus on what you've got and how we can make that work for you.","start":1528.38,"end":1531.74,"sentiment":"positive","sentiment_score":0.370018782094121}],"sentiment":"neutral","sentiment_score":0.29860453655322394,"channel":0,"num_words":30,"start":1523.325,"end":1531.74},{"sentences":[{"text":"Beautiful.","start":1531.74,"end":1532.24,"sentiment":"positive","sentiment_score":0.553302526473999},{"text":"Excellent.","start":1534.14,"end":1534.64,"sentiment":"positive","sentiment_score":0.5066255331039429},{"text":"Now the next page is your is your have 24 internal rate of return.","start":1535.18,"end":1539.82,"sentiment":"neutral","sentiment_score":0.21786599712712423},{"text":"So it's showing you the performance and how your investments have performed for the year.","start":1539.82,"end":1543.635,"sentiment":"neutral","sentiment_score":0.2535527490079403},{"text":"This year, we have seen a lot of ups and downs and volatility with the market there, but as of late, it has sort of smoothed out quite significantly.","start":1543.875,"end":1551.015,"sentiment":"neutral","sentiment_score":-0.0721098409387572}],"sentiment":"neutral","sentiment_score":0.09703596445421378,"channel":0,"num_words":60,"start":1531.74,"end":1551.015},{"sentences":[{"text":"If you're looking at the first page there, you'll see that majority and if you look at the second last column, it's showing you how they've all performed as an internal rate of return, and most things are performing quite nicely.","start":1552.035,"end":1563.48,"sentiment":"neutral","sentiment_score":0.19627891362803737},{"text":"It's more just this Australian equity component at the very top there.","start":1563.94,"end":1567.22,"sentiment":"neutral","sentiment_score":-0.02236225436596821},{"text":"So the ban along Australian equity's investment, that has some underlying issues, and it has been underperforming a little bit.","start":1567.22,"end":1574.115,"sentiment":"negative","sentiment_score":-0.43061105757951734},{"text":"I had a look at this prior to the call.","start":1574.355,"end":1576.115,"sentiment":"neutral","sentiment_score":-0.30134188532829287},{"text":"I definitely wanna look at removing that from your portfolio now.","start":1576.115,"end":1579.075,"sentiment":"negative","sentiment_score":-0.348767261613499}],"sentiment":"neutral","sentiment_score":-0.08173395187514736,"channel":0,"num_words":94,"start":1552.035,"end":1579.075},{"sentences":[{"text":"So, normally, we are a bit hesitant about making rash changes to a portfolio when there's an investment underperforming.","start":1579.075,"end":1584.695,"sentiment":"neutral","sentiment_score":-0.2752063839059127},{"text":"But the way I sort of look at this is I consider that against the rest of the Australian market.","start":1585.5549,"end":1590.09,"sentiment":"neutral","sentiment_score":-0.11674419399350881},{"text":"You've also got in your portfolio.","start":1590.73,"end":1592.6699,"sentiment":"neutral","sentiment_score":-0.07711037620902061},{"text":"You had no.","start":1594.33,"end":1597.2899,"sentiment":"neutral","sentiment_score":-0.10661013672749202},{"text":"You don't.","start":1597.2899,"end":1597.69,"sentiment":"neutral","sentiment_score":-0.13350600749254227}],"sentiment":"neutral","sentiment_score":-0.17226619713008404,"channel":0,"num_words":50,"start":1579.075,"end":1597.69},{"sentences":[{"text":"This is much of an older portfolio.","start":1597.69,"end":1599.3099,"sentiment":"neutral","sentiment_score":-0.1286478489637375},{"text":"But you've also got into the S and P 500, which is up over 9% for the year on its own, which is sort of the one, two, three, four, five, six down there.","start":1600.09,"end":1609.985,"sentiment":"neutral","sentiment_score":0.01846828013110687},{"text":"That investment has done really well, and the rest of the Australian market tends to follow along with suit of the S and P 500 and with The US market.","start":1610.365,"end":1618.045,"sentiment":"neutral","sentiment_score":0.2034696750342846},{"text":"We tend to follow suit with everything that happens.","start":1618.045,"end":1620.465,"sentiment":"neutral","sentiment_score":0.06408828786677784},{"text":"The Australian market as a whole is doing quite well at the moment.","start":1621.64,"end":1624.6,"sentiment":"neutral","sentiment_score":0.21551432460546494}],"sentiment":"neutral","sentiment_score":0.09903180261733391,"channel":0,"num_words":93,"start":1597.69,"end":1624.6},{"sentences":[{"text":"So to see this investment down pretty heavily and sort of have a look into the investment itself, and it's not got to do with the market for the ups and downs that we are seeing.","start":1624.6,"end":1633.58,"sentiment":"neutral","sentiment_score":-0.2352528983934058},{"text":"Unfortunately, the Benelon investment manager hasn't been able to do its job.","start":1633.845,"end":1637.605,"sentiment":"negative","sentiment_score":-0.5210361753900846},{"text":"It hasn't been able to outperform against the market, and they've had some underlying issues with some of the investments they're invested in.","start":1637.605,"end":1644.1849,"sentiment":"negative","sentiment_score":-0.42547477457834326},{"text":"So I've made a decision to talk to you about this today, and I definitely wanna look at removing that investment now.","start":1644.8049,"end":1650.7001,"sentiment":"neutral","sentiment_score":-0.2755169563672759},{"text":"I do not think there is a chance it could come back, but I do not think it's gonna be for some time.","start":1650.76,"end":1656.06,"sentiment":"negative","sentiment_score":-0.44230644340100495}],"sentiment":"negative","sentiment_score":-0.35122309914179917,"channel":0,"num_words":116,"start":1624.6,"end":1656.06},{"sentences":[{"text":"And I think holding that any longer is just gonna provide.","start":1656.12,"end":1659.5,"sentiment":"neutral","sentiment_score":-0.29956665906039154},{"text":"Is not gonna sort of help your portfolio in any way, shape, or form.","start":1659.945,"end":1663.1649,"sentiment":"negative","sentiment_score":-0.6007399750607354}],"sentiment":"negative","sentiment_score":-0.4682237160205841,"channel":0,"num_words":25,"start":1656.12,"end":1663.1649},{"sentences":[{"text":"Mhmm.","start":1663.38,"end":1663.7,"sentiment":"neutral","sentiment_score":-0.11783383786678314},{"text":"Yep.","start":1663.7,"end":1664.2,"sentiment":"neutral","sentiment_score":-0.05949118733406067}],"sentiment":"neutral","sentiment_score":-0.0886625126004219,"channel":1,"num_words":2,"start":1663.38,"end":1664.2},{"sentences":[{"text":"So if you're comfortable, I would love to remove that from your portfolio quickly.","start":1663.7849,"end":1667.5449,"sentiment":"neutral","sentiment_score":-0.18848281247275217},{"text":"I'd love to replace it with something else and keep your portfolio working harder for you.","start":1667.5449,"end":1671.72,"sentiment":"neutral","sentiment_score":0.07331944862380624},{"text":"Does that make sense?","start":1671.72,"end":1672.6,"sentiment":"neutral","sentiment_score":0.07172844372689724},{"text":"And do you have any questions?","start":1672.6,"end":1673.9,"sentiment":"neutral","sentiment_score":0.03922455757856369}],"sentiment":"neutral","sentiment_score":-0.023584676906466484,"channel":0,"num_words":40,"start":1663.7849,"end":1673.9},{"sentences":[{"text":"Yep.","start":1674.5,"end":1674.82,"sentiment":"neutral","sentiment_score":0.18123340606689453},{"text":"Makes perfect sense.","start":1674.82,"end":1675.7,"sentiment":"positive","sentiment_score":0.45590053002039593},{"text":"Sounds good.","start":1675.7,"end":1676.475,"sentiment":"positive","sentiment_score":0.5688849091529846}],"sentiment":"positive","sentiment_score":0.4477841357390086,"channel":1,"num_words":6,"start":1674.5,"end":1676.475},{"sentences":[{"text":"Yes.","start":1678.12,"end":1678.62,"sentiment":"positive","sentiment_score":0.3794317841529846},{"text":"Perfect.","start":1678.76,"end":1679.26,"sentiment":"positive","sentiment_score":0.6081463098526001},{"text":"Excellent.","start":1679.48,"end":1679.98,"sentiment":"positive","sentiment_score":0.5513875484466553},{"text":"Now one of the things we do wanna look at and why we sort of have to have the conversation with you before we do make these sort of changes is there are different ways to investing.","start":1680.44,"end":1688.895,"sentiment":"neutral","sentiment_score":0.04087754399389834},{"text":"Essentially, when I have a look at the way you're invested within your super fund at the moment, you are in more of oh, sorry.","start":1689.755,"end":1697.055,"sentiment":"neutral","sentiment_score":-0.043445114847272634}],"sentiment":"neutral","sentiment_score":0.030235490754533273,"channel":0,"num_words":65,"start":1678.12,"end":1697.055},{"sentences":[{"text":"More of a growth kind of setting.","start":1697.1951,"end":1698.875,"sentiment":"neutral","sentiment_score":-0.09693987561123711},{"text":"And this is a very much an older portfolio.","start":1698.875,"end":1700.9501,"sentiment":"neutral","sentiment_score":-0.1771058647169007},{"text":"Something has been in for quite some time there.","start":1700.9501,"end":1702.9501,"sentiment":"neutral","sentiment_score":-0.17131370140446556},{"text":"So it does definitely need to be updated now.","start":1702.9501,"end":1705.29,"sentiment":"neutral","sentiment_score":-0.1025699923435847},{"text":"Within the growth environment within a super fund, you are invested generally about 80% in growth assets.","start":1705.67,"end":1711.5901,"sentiment":"neutral","sentiment_score":-0.027015762732309455}],"sentiment":"neutral","sentiment_score":-0.1018971200374996,"channel":0,"num_words":51,"start":1697.1951,"end":1711.5901},{"sentences":[{"text":"So thinking things like Australian shares, international shares, listed property, and commodities, and then about 20% in lower risk defensive investments in cash, bonds, and fixed interest.","start":1711.5901,"end":1721.875,"sentiment":"neutral","sentiment_score":0.002465415470026157},{"text":"A growth investor is looking to get strong or has a strong, preference for growth, so you that's why you take a bit more risk to have those higher growth investments.","start":1722.495,"end":1730.84,"sentiment":"neutral","sentiment_score":-0.052936643722557256},{"text":"You're still happy to sort of go through the ups and downs within the market, and this sort of portfolio is tracking you're trying to obtain around about a seven to 9% on a yearly basis and compounding that forward.","start":1731.46,"end":1742.945,"sentiment":"neutral","sentiment_score":0.08595894486643374},{"text":"With the volatility, so we understand that markets go up and down within that growth environment.","start":1743.485,"end":1748.5449,"sentiment":"neutral","sentiment_score":-0.11317853163927794},{"text":"You can expect on a good year anywhere up to 11% above the nine and a bad year where market are down, anywhere up to 11% below the 7%.","start":1748.605,"end":1760.24,"sentiment":"neutral","sentiment_score":-0.2014902108188333}],"sentiment":"neutral","sentiment_score":-0.040490801140040784,"channel":0,"num_words":143,"start":1711.5901,"end":1760.24},{"sentences":[{"text":"That's that's the market volatility.","start":1761.4199,"end":1762.8999,"sentiment":"neutral","sentiment_score":-0.1716330498456955},{"text":"You can see those highs and lows around that seven to 9%.","start":1762.8999,"end":1766.24,"sentiment":"neutral","sentiment_score":-0.14622577155629793},{"text":"In this sort of environment, we expect a negative return of one every five years.","start":1766.615,"end":1770.9551,"sentiment":"neutral","sentiment_score":-0.3212490091721217},{"text":"With that investment within Van Alarm there, that's more of an actively managed fund.","start":1772.055,"end":1776.535,"sentiment":"neutral","sentiment_score":-0.1585391658757414},{"text":"So you take a little bit more risk to have the active manager in there.","start":1776.535,"end":1779.655,"sentiment":"neutral","sentiment_score":-0.15376190145810445}],"sentiment":"neutral","sentiment_score":-0.1960260080265217,"channel":0,"num_words":61,"start":1761.4199,"end":1779.655},{"sentences":[{"text":"They're trying to outperform against the market.","start":1779.655,"end":1781.8351,"sentiment":"neutral","sentiment_score":-0.12648162884371622},{"text":"Do you feel moving forward you would still like to have more of an active manager in your fund, or would you like me to focus on lowering the cost and put something in there more passively managed and lower risk?","start":1782.3401,"end":1793.7201,"sentiment":"neutral","sentiment_score":0.0814605364803134},{"text":"How would you like to see your portfolio form?","start":1794.1001,"end":1796.68,"sentiment":"neutral","sentiment_score":0.0379534134020408}],"sentiment":"neutral","sentiment_score":0.04905423358605619,"channel":0,"num_words":57,"start":1779.655,"end":1796.68},{"sentences":[{"text":"Good question.","start":1798.0,"end":1798.74,"sentiment":"neutral","sentiment_score":0.1990598365664482},{"text":"I don't mind a bit of risk.","start":1800.16,"end":1802.18,"sentiment":"neutral","sentiment_score":-0.020976848368133818},{"text":"It's just yeah.","start":1803.36,"end":1804.4,"sentiment":"neutral","sentiment_score":-0.02368895833690961},{"text":"Obviously,","start":1804.4,"end":1804.8,"sentiment":"neutral","sentiment_score":0.009582078084349632}],"sentiment":"neutral","sentiment_score":0.014599764433044653,"channel":1,"num_words":13,"start":1798.0,"end":1804.8},{"sentences":[{"text":"Yeah.","start":1804.4249,"end":1804.9249,"sentiment":"neutral","sentiment_score":0.009442535229027271}],"sentiment":"neutral","sentiment_score":0.009442535229027271,"channel":0,"num_words":1,"start":1804.4249,"end":1804.9249},{"sentences":[{"text":"I'm aware","start":1804.8,"end":1805.36,"sentiment":"neutral","sentiment_score":0.0002910434268414974}],"sentiment":"neutral","sentiment_score":0.0002910434268414974,"channel":1,"num_words":2,"start":1804.8,"end":1805.36},{"sentences":[{"text":"Yeah.","start":1805.225,"end":1805.725,"sentiment":"neutral","sentiment_score":0.0012001032009720802}],"sentiment":"neutral","sentiment_score":0.0012001032009720802,"channel":0,"num_words":1,"start":1805.225,"end":1805.725},{"sentences":[{"text":"of the volatility that there is globally at the moment, shall we say.","start":1805.36,"end":1809.7001,"sentiment":"neutral","sentiment_score":-0.03654365685696785}],"sentiment":"neutral","sentiment_score":-0.03654365685696785,"channel":1,"num_words":13,"start":1805.36,"end":1809.7001},{"sentences":[{"text":"Yeah.","start":1809.785,"end":1810.285,"sentiment":"neutral","sentiment_score":0.043791741132736206}],"sentiment":"neutral","sentiment_score":0.043791741132736206,"channel":0,"num_words":1,"start":1809.785,"end":1810.285},{"sentences":[{"text":"So","start":1810.9049,"end":1811.4049,"sentiment":"neutral","sentiment_score":0.0940634161233902}],"sentiment":"neutral","sentiment_score":0.0940634161233902,"channel":1,"num_words":1,"start":1810.9049,"end":1811.4049},{"sentences":[{"text":"Yeah.","start":1811.065,"end":1811.565,"sentiment":"neutral","sentiment_score":0.1874282956123352}],"sentiment":"neutral","sentiment_score":0.1874282956123352,"channel":0,"num_words":1,"start":1811.065,"end":1811.565},{"sentences":[{"text":"I'm happy happy to take your advice on this.","start":1812.105,"end":1814.765,"sentiment":"positive","sentiment_score":0.5363431970278422}],"sentiment":"positive","sentiment_score":0.5363431970278422,"channel":1,"num_words":9,"start":1812.105,"end":1814.765},{"sentences":[{"text":"Yeah.","start":1816.22,"end":1816.54,"sentiment":"neutral","sentiment_score":0.08922982960939407},{"text":"Yep.","start":1816.54,"end":1817.04,"sentiment":"neutral","sentiment_score":0.08875197172164917}],"sentiment":"neutral","sentiment_score":0.08899090066552162,"channel":0,"num_words":2,"start":1816.22,"end":1817.04},{"sentences":[{"text":"Yeah.","start":1817.7849,"end":1818.2849,"sentiment":"neutral","sentiment_score":0.04852345585823059},{"text":"What what do you think is the level of","start":1818.345,"end":1821.3049,"sentiment":"neutral","sentiment_score":0.008039699867367744}],"sentiment":"neutral","sentiment_score":0.012088075466454028,"channel":1,"num_words":10,"start":1817.7849,"end":1821.3049},{"sentences":[{"text":"Well,","start":1821.1,"end":1821.5,"sentiment":"neutral","sentiment_score":-0.01290684938430786}],"sentiment":"neutral","sentiment_score":-0.01290684938430786,"channel":0,"num_words":1,"start":1821.1,"end":1821.5},{"sentences":[{"text":"risk","start":1821.3049,"end":1821.5449,"sentiment":"neutral","sentiment_score":-0.006751339882612228}],"sentiment":"neutral","sentiment_score":-0.006751339882612228,"channel":1,"num_words":1,"start":1821.3049,"end":1821.5449},{"sentences":[{"text":"I've","start":1821.5,"end":1821.9,"sentiment":"neutral","sentiment_score":-0.007541082799434662}],"sentiment":"neutral","sentiment_score":-0.007541082799434662,"channel":0,"num_words":1,"start":1821.5,"end":1821.9},{"sentences":[{"text":"that you require?","start":1821.5449,"end":1822.605,"sentiment":"neutral","sentiment_score":0.003015145038565}],"sentiment":"neutral","sentiment_score":0.003015145038565,"channel":1,"num_words":3,"start":1821.5449,"end":1822.605},{"sentences":[{"text":"the growth environment definitely fits your agent age because you're essentially the same age as me.","start":1824.22,"end":1829.235,"sentiment":"neutral","sentiment_score":0.05667797848582268},{"text":"So we have the same time frame before accessing our super.","start":1829.235,"end":1832.215,"sentiment":"neutral","sentiment_score":0.05965969982472333},{"text":"What I would sort of look at and what I can look at if you're comfortable, I do have an option to replace that investment with something a bit more diversified, more of a passively managed investment.","start":1833.1549,"end":1842.36,"sentiment":"neutral","sentiment_score":0.12871878876073942},{"text":"So it lowers the risk.","start":1842.6,"end":1844.04,"sentiment":"neutral","sentiment_score":0.3025806754827499},{"text":"It's also cheaper for your portfolio.","start":1844.04,"end":1845.74,"sentiment":"positive","sentiment_score":0.38943251470724743}],"sentiment":"neutral","sentiment_score":0.13566930671532948,"channel":0,"num_words":75,"start":1824.22,"end":1845.74},{"sentences":[{"text":"But I also have a portfolio where it incorporates a little bit of active management.","start":1847.16,"end":1851.74,"sentiment":"neutral","sentiment_score":0.23770940005779267},{"text":"It's only a small amount.","start":1852.12,"end":1853.4,"sentiment":"neutral","sentiment_score":0.2576305061578751},{"text":"It's still also cheaper to hold, and it's still gonna reduce the investment cost of your current fund, which means more money stays invested in your super long term.","start":1853.4,"end":1862.415,"sentiment":"positive","sentiment_score":0.3788333550609391},{"text":"Are you happy if I maybe go a happy medium for you, have a little bit of active management, but mostly index funds and low cost investments that provide greater diversification.","start":1862.715,"end":1873.32,"sentiment":"neutral","sentiment_score":0.26039586480586757},{"text":"It'll still keep you in that growth kind of environment where you are taking more risk, but it's also within the fund diversifying as much as possible to control as much of the risk as as humanly possible.","start":1874.26,"end":1886.385,"sentiment":"neutral","sentiment_score":0.21900515297525808}],"sentiment":"neutral","sentiment_score":0.2731731224615695,"channel":0,"num_words":118,"start":1847.16,"end":1886.385},{"sentences":[{"text":"Yeah.","start":1887.11,"end":1887.27,"sentiment":"neutral","sentiment_score":0.06757038086652756},{"text":"Yeah.","start":1887.27,"end":1887.51,"sentiment":"neutral","sentiment_score":0.06669886410236359},{"text":"I got what you're saying.","start":1887.51,"end":1888.365,"sentiment":"neutral","sentiment_score":0.047636707127094266},{"text":"Yeah.","start":1889.165,"end":1889.485,"sentiment":"neutral","sentiment_score":0.09161271154880524},{"text":"Sounds good.","start":1889.485,"end":1890.3049,"sentiment":"neutral","sentiment_score":0.280401848256588}],"sentiment":"neutral","sentiment_score":0.10248691886663437,"channel":1,"num_words":10,"start":1887.11,"end":1890.3049},{"sentences":[{"text":"Yeah.","start":1889.8049,"end":1890.3049,"sentiment":"neutral","sentiment_score":0.27331578731536865},{"text":"Sounds good.","start":1891.645,"end":1892.285,"sentiment":"positive","sentiment_score":0.5609644055366516},{"text":"Beautiful.","start":1892.285,"end":1892.785,"sentiment":"positive","sentiment_score":0.7001017332077026},{"text":"I've got some good options there.","start":1893.565,"end":1894.845,"sentiment":"positive","sentiment_score":0.5610346297423044},{"text":"So I'll go back and complete the research, and I'll come up with an advice document.","start":1894.845,"end":1897.965,"sentiment":"positive","sentiment_score":0.34396624751389027}],"sentiment":"positive","sentiment_score":0.42173131039509404,"channel":0,"num_words":26,"start":1889.8049,"end":1897.965},{"sentences":[{"text":"It shows you what we're gonna look at and how it'll look for you, and then you get to take it away and have a good read of the document.","start":1897.965,"end":1904.79,"sentiment":"neutral","sentiment_score":0.318251604338487},{"text":"Okay?","start":1904.93,"end":1905.43,"sentiment":"neutral","sentiment_score":0.15416359901428223}],"sentiment":"neutral","sentiment_score":0.3129584428764159,"channel":0,"num_words":31,"start":1897.965,"end":1905.43},{"sentences":[{"text":"Mhmm.","start":1906.25,"end":1906.75,"sentiment":"neutral","sentiment_score":0.10590828955173492}],"sentiment":"neutral","sentiment_score":0.10590828955173492,"channel":1,"num_words":1,"start":1906.25,"end":1906.75},{"sentences":[{"text":"Excellent.","start":1908.13,"end":1908.63,"sentiment":"neutral","sentiment_score":0.05112018808722496},{"text":"Now if you go to the next page, this year, as you kinda mentioned, you've seen a lot of the ups and downs of volatility.","start":1908.6901,"end":1914.335,"sentiment":"neutral","sentiment_score":-0.12445600785315036},{"text":"It can make a lot of people quite nervous.","start":1914.395,"end":1916.335,"sentiment":"negative","sentiment_score":-0.443841599755817},{"text":"While your portfolio while Benelon has kinda had an effect and obviously held your portfolio back a little bit, it still has come out with a positive return.","start":1916.955,"end":1925.2949,"sentiment":"neutral","sentiment_score":0.06627691244440419},{"text":"So it is lower than where I would like to proceed for the year.","start":1925.355,"end":1928.3501,"sentiment":"neutral","sentiment_score":-0.1411258237702506}],"sentiment":"neutral","sentiment_score":-0.09318003104394906,"channel":0,"num_words":77,"start":1908.13,"end":1928.3501},{"sentences":[{"text":"A lot of that is because of the family long investment above that.","start":1928.3501,"end":1931.5701,"sentiment":"neutral","sentiment_score":0.1712856711103366},{"text":"You've returned about a 4.27% return net of fees.","start":1931.87,"end":1935.63,"sentiment":"neutral","sentiment_score":0.2815859003199471},{"text":"That's after fees.","start":1935.63,"end":1936.67,"sentiment":"neutral","sentiment_score":0.2315621624390284},{"text":"It's still a positive return.","start":1936.67,"end":1938.2101,"sentiment":"positive","sentiment_score":0.5490106105804443},{"text":"When you think of that positive return, it's actually made your earnings and grosses in the fund of $18,407.","start":1939.025,"end":1945.6649,"sentiment":"positive","sentiment_score":0.4328691559402566}],"sentiment":"positive","sentiment_score":0.33520898633465473,"channel":0,"num_words":49,"start":1928.3501,"end":1945.6649},{"sentences":[{"text":"So it is lower than where I'd like to expect.","start":1945.6649,"end":1947.9049,"sentiment":"neutral","sentiment_score":-0.1962703675031662},{"text":"I definitely wanna alter the portfolio to keep it working harder and build on that for you, but acknowledging the fact that this year hasn't been as good a year, and the return is definitely lower than where I would like to see for you for the year as well.","start":1947.9049,"end":1960.1,"sentiment":"neutral","sentiment_score":-0.07321584567427636}],"sentiment":"neutral","sentiment_score":-0.093724932645758,"channel":0,"num_words":60,"start":1945.6649,"end":1960.1},{"sentences":[{"text":"Yes.","start":1960.9,"end":1961.3,"sentiment":"neutral","sentiment_score":0.10959507524967194},{"text":"Okay.","start":1961.3,"end":1961.8,"sentiment":"neutral","sentiment_score":0.20971757173538208}],"sentiment":"neutral","sentiment_score":0.159656323492527,"channel":1,"num_words":2,"start":1960.9,"end":1961.8},{"sentences":[{"text":"Perfect.","start":1963.4401,"end":1963.9401,"sentiment":"positive","sentiment_score":0.4420889914035797},{"text":"I know there's a lot to go through.","start":1964.56,"end":1965.92,"sentiment":"neutral","sentiment_score":0.16421282291412354},{"text":"Do you have any questions about the portfolio, about anything I've kinda touched on?","start":1965.92,"end":1970.095,"sentiment":"neutral","sentiment_score":0.06859445545290198},{"text":"Or no?","start":1970.095,"end":1974.195,"sentiment":"neutral","sentiment_score":0.00009982101619243535},{"text":"Excellent.","start":1974.575,"end":1975.075,"sentiment":"positive","sentiment_score":0.46612969040870667}],"sentiment":"neutral","sentiment_score":0.12240166474993412,"channel":0,"num_words":26,"start":1963.4401,"end":1975.075},{"sentences":[{"text":"The next document along is the Vanguard index chart.","start":1975.855,"end":1978.655,"sentiment":"neutral","sentiment_score":0.16004229336977005},{"text":"I've been pretty sure we've shown you a couple of these in the past.","start":1978.655,"end":1981.5,"sentiment":"neutral","sentiment_score":0.20506926838840758},{"text":"It does kinda show you a guide as to how we how and why we invest the way we do in the market.","start":1981.74,"end":1986.62,"sentiment":"neutral","sentiment_score":0.2620082018168076},{"text":"So looking at the side there, you've got sorry.","start":1986.62,"end":1991.02,"sentiment":"neutral","sentiment_score":-0.0023025328086482156},{"text":"My computer is just flashing at me.","start":1991.02,"end":1992.88,"sentiment":"neutral","sentiment_score":-0.14721335577113287}],"sentiment":"neutral","sentiment_score":0.14977939925607173,"channel":0,"num_words":62,"start":1975.855,"end":1992.88},{"sentences":[{"text":"You've got your growth investment.","start":1992.94,"end":1994.4,"sentiment":"neutral","sentiment_score":0.019739851960912345},{"text":"So US shares, Australian shares, international shares, and listed property.","start":1994.46,"end":1998.265,"sentiment":"neutral","sentiment_score":0.062456981465220454},{"text":"And you can sort of see there that they do get the higher rates of return, but they are also the ones that increase in value and decrease the downtime as well.","start":1998.265,"end":2006.6649,"sentiment":"neutral","sentiment_score":0.007116926717571914},{"text":"So they're the ones that fluctuate and provide volatility, which does make us quite nervous.","start":2006.6649,"end":2011.0599,"sentiment":"neutral","sentiment_score":-0.1358696075777213},{"text":"But when we do have a good time horizon ahead of us, so anywhere over, say, six to ten years, being having more of these growth investments is where we see the higher rates of return.","start":2011.36,"end":2021.7799,"sentiment":"neutral","sentiment_score":0.1535790342734092}],"sentiment":"neutral","sentiment_score":0.04532461071016305,"channel":0,"num_words":98,"start":1992.94,"end":2021.7799},{"sentences":[{"text":"What I would not wanna see is have you about, you know, five or six years out from accessing your super and still taking a higher level of risk in the market.","start":2022.1549,"end":2030.1749,"sentiment":"negative","sentiment_score":-0.5794259114190936},{"text":"In those instances, we wanna kind of pull things back quite significantly and have more defensive investments of things like cash and bonds and fixed interest there.","start":2030.475,"end":2039.36,"sentiment":"neutral","sentiment_score":-0.25738517388149545},{"text":"Throughout even in retirement, we still wanna have some growth assets, but it's about assessing your risk level and investing within the comfort level so you have a degree of growth in your portfolio, but then also some income production as well.","start":2040.06,"end":2054.135,"sentiment":"neutral","sentiment_score":0.23812225744837806},{"text":"And that's why we also get some good advantages is we wanna get income from those investments.","start":2054.135,"end":2059.835,"sentiment":"positive","sentiment_score":0.6035590049098519},{"text":"We wanna have dividends that are being paid when it comes to bonds and fixed 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be trying to sort of coax you to reduce your risk level a little bit, trying to guide you back there.","start":2083.615,"end":2093.8599,"sentiment":"neutral","sentiment_score":0.09662854588694042},{"text":"Does that make sense?","start":2093.92,"end":2094.98,"sentiment":"neutral","sentiment_score":0.038137189112603664}],"sentiment":"neutral","sentiment_score":0.07607684581719264,"channel":0,"num_words":99,"start":2064.3298,"end":2094.98},{"sentences":[{"text":"Yeah.","start":2095.42,"end":2095.6602,"sentiment":"neutral","sentiment_score":0.07552008330821991},{"text":"Makes 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how's it looking in, like, the the the sorry.","start":2098.46,"end":2101.9001,"sentiment":"neutral","sentiment_score":-0.02132038362324238},{"text":"The housing, the what do I say?","start":2101.9001,"end":2105.305,"sentiment":"neutral","sentiment_score":-0.11121648576642786},{"text":"Property investing in property.","start":2106.2449,"end":2107.9448,"sentiment":"neutral","sentiment_score":-0.07514550350606441},{"text":"Just","start":2109.045,"end":2109.285,"sentiment":"neutral","sentiment_score":-0.07105930149555206}],"sentiment":"neutral","sentiment_score":-0.06197093418714675,"channel":1,"num_words":22,"start":2098.46,"end":2109.285},{"sentences":[{"text":"Property","start":2109.135,"end":2109.635,"sentiment":"neutral","sentiment_score":-0.10670551657676695}],"sentiment":"neutral","sentiment_score":-0.10670551657676695,"channel":0,"num_words":1,"start":2109.135,"end":2109.635},{"sentences":[{"text":"because I was 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starting to do a bit of a downturn in Australia.","start":2110.645,"end":2113.7048,"sentiment":"neutral","sentiment_score":-0.3100023952623208}],"sentiment":"neutral","sentiment_score":-0.3100023952623208,"channel":1,"num_words":12,"start":2110.645,"end":2113.7048},{"sentences":[{"text":"Yeah.","start":2114.255,"end":2114.755,"sentiment":"neutral","sentiment_score":-0.08522290736436844},{"text":"Absolutely.","start":2115.4548,"end":2115.9548,"sentiment":"neutral","sentiment_score":0.001954585313796997},{"text":"Yeah.","start":2116.575,"end":2116.895,"sentiment":"neutral","sentiment_score":-0.05878184363245964},{"text":"The housing market has had a bit of a downturn, and I believe Sydney and Melbourne were the first ones to see the downturn most recently.","start":2116.895,"end":2125.1099,"sentiment":"neutral","sentiment_score":-0.25906336364837795},{"text":"I'm just double checking the data.","start":2125.73,"end":2127.17,"sentiment":"neutral","sentiment_score":-0.18694828699032465}],"sentiment":"neutral","sentiment_score":-0.2285539240709373,"channel":0,"num_words":35,"start":2114.255,"end":2127.17},{"sentences":[{"text":"They're showing me where it's up to at the moment.","start":2127.17,"end":2129.67,"sentiment":"neutral","sentiment_score":-0.14929353222250938},{"text":"But currently, looking at where we are, nationally, housing prices have dropped in August between 0.2 to 0.9%.","start":2130.69,"end":2140.425,"sentiment":"negative","sentiment_score":-0.3351109102368355},{"text":"Areas like Melbourne and Canberra have had dropped to the it has a 1%, and Sydney has had about a 1.4% drop in the last month on housing prices.","start":2141.365,"end":2151.23,"sentiment":"neutral","sentiment_score":-0.3153189377024256},{"text":"So there has definitely been a bit of a decrease with what happened and what was what came out with the new budget and the legislation changes there.","start":2151.2898,"end":2160.1099,"sentiment":"negative","sentiment_score":-0.39703003955738886}],"sentiment":"neutral","sentiment_score":-0.326894376558416,"channel":0,"num_words":85,"start":2127.17,"end":2160.1099},{"sentences":[{"text":"Yes.","start":2160.5999,"end":2161.065,"sentiment":"neutral","sentiment_score":-0.16898828744888306}],"sentiment":"neutral","sentiment_score":-0.16898828744888306,"channel":1,"num_words":1,"start":2160.5999,"end":2161.065},{"sentences":[{"text":"But I think it just also needs to settle because people still need housing.","start":2161.2449,"end":2165.005,"sentiment":"neutral","sentiment_score":-0.22143091900008066},{"text":"There still is very much a high demand for housing, and people trying to get into the market for home buyers and whatnot.","start":2165.005,"end":2172.4448,"sentiment":"neutral","sentiment_score":-0.08530578891868176},{"text":"So I think it just needs time to settle.","start":2172.4448,"end":2174.7002,"sentiment":"neutral","sentiment_score":-0.20875609086619484},{"text":"It just needs time to go through this cycle and then come out the other side, but we will see recovery from that downside.","start":2174.76,"end":2182.22,"sentiment":"neutral","sentiment_score":-0.13815849336485067},{"text":"It's funny because over the last sort of, you know, ten to fifteen years, housing prices have basically not dropped at all.","start":2183.08,"end":2189.635,"sentiment":"neutral","sentiment_score":-0.2472153241661462}],"sentiment":"neutral","sentiment_score":-0.17060230218845865,"channel":0,"num_words":92,"start":2161.2449,"end":2189.635},{"sentences":[{"text":"You know?","start":2190.4949,"end":2191.055,"sentiment":"neutral","sentiment_score":-0.15348447859287262},{"text":"Since coming out of the DFC, housing prices have just skyrocketed bit by bit.","start":2191.055,"end":2196.175,"sentiment":"negative","sentiment_score":-0.3548178630215781},{"text":"So this kind of a fall was always gonna be inevitable.","start":2196.175,"end":2199.395,"sentiment":"negative","sentiment_score":-0.3906605839729309},{"text":"I mean, over the last five years, I've had people telling me property never dropped.","start":2199.535,"end":2203.23,"sentiment":"neutral","sentiment_score":-0.17713241676489513},{"text":"And I'm like, yes.","start":2203.23,"end":2203.71,"sentiment":"neutral","sentiment_score":-0.09857074171304703}],"sentiment":"neutral","sentiment_score":-0.2744120582938194,"channel":0,"num_words":46,"start":2190.4949,"end":2203.71},{"sentences":[{"text":"It does.","start":2203.71,"end":2204.27,"sentiment":"neutral","sentiment_score":-0.081914272159338},{"text":"It will happen.","start":2204.27,"end":2205.25,"sentiment":"neutral","sentiment_score":-0.16233778496583304},{"text":"It everything drops.","start":2205.79,"end":2207.23,"sentiment":"neutral","sentiment_score":-0.2995196481545766},{"text":"Everything has a cycle.","start":2207.23,"end":2208.53,"sentiment":"neutral","sentiment_score":-0.2327442169189453},{"text":"It's just about waiting for that cycle to hit.","start":2209.71,"end":2212.69,"sentiment":"neutral","sentiment_score":-0.2045909216006597}],"sentiment":"neutral","sentiment_score":-0.20579504789341063,"channel":0,"num_words":21,"start":2203.71,"end":2212.69},{"sentences":[{"text":"So we'll go through this down point.","start":2213.23,"end":2215.725,"sentiment":"neutral","sentiment_score":-0.12977935267346247},{"text":"I don't know how low it's gonna go.","start":2215.965,"end":2218.0452,"sentiment":"neutral","sentiment_score":-0.25217470712959766},{"text":"It just sort of comes down to how investors feel.","start":2218.0452,"end":2221.905,"sentiment":"neutral","sentiment_score":-0.093258535861969},{"text":"It's also about how the how investors understand the changes too because the changes to negative gearing and the CGT consequence is necessarily aren't all bad.","start":2222.605,"end":2232.75,"sentiment":"neutral","sentiment_score":-0.1608383059501648},{"text":"It's just about understanding why you want to have an investment property.","start":2232.75,"end":2236.9302,"sentiment":"neutral","sentiment_score":-0.1638184543699026}],"sentiment":"neutral","sentiment_score":-0.15882628399228294,"channel":0,"num_words":63,"start":2213.23,"end":2236.9302},{"sentences":[{"text":"Is your investment property currently negatively geared?","start":2237.55,"end":2240.77,"sentiment":"neutral","sentiment_score":-0.22899101035935537}],"sentiment":"neutral","sentiment_score":-0.22899101035935537,"channel":0,"num_words":7,"start":2237.55,"end":2240.77},{"sentences":[{"text":"I take the least, sir.","start":2241.8098,"end":2243.1099,"sentiment":"neutral","sentiment_score":-0.20652565956115723}],"sentiment":"neutral","sentiment_score":-0.20652565956115723,"channel":1,"num_words":5,"start":2241.8098,"end":2243.1099},{"sentences":[{"text":"No.","start":2244.445,"end":2244.685,"sentiment":"neutral","sentiment_score":-0.2081608474254608},{"text":"That's okay.","start":2244.685,"end":2245.565,"sentiment":"neutral","sentiment_score":-0.09133118391036987},{"text":"So the other thing and what I've sort of been talking to people about is whether or not they just want to hold property for negatively gearing to help, you know, reduce overall tax, or are they hoping to have it for a longer term goal?","start":2245.565,"end":2258.72,"sentiment":"neutral","sentiment_score":-0.17244357550921646},{"text":"So there are still investors definitely in my area who are buying in the property, and whilst they can't negatively gear moving forward, they are buying it for capital growth.","start":2258.72,"end":2267.535,"sentiment":"neutral","sentiment_score":-0.02262832938383023},{"text":"And taxes aren't always a bad thing if we understand the outcome we're after.","start":2268.015,"end":2272.355,"sentiment":"neutral","sentiment_score":-0.08381061947771482}],"sentiment":"neutral","sentiment_score":-0.10941318540723734,"channel":0,"num_words":93,"start":2244.445,"end":2272.355},{"sentences":[{"text":"So, you know, buying an investment property, holding it for five or ten years, letting it increase in value, then selling it off, cementing the capital gain, putting aside the tax, and looking at what you have after the gain.","start":2272.9749,"end":2285.7002,"sentiment":"neutral","sentiment_score":0.0372788759181276},{"text":"Isn't necessarily always a bad thing, but it just comes down to what's important about holding property and why we're holding property and what we wanna achieve out of that property, to kind of work out whether it's a good idea or not and whether the cost or whether the taxation side of it is worthwhile as well.","start":2285.76,"end":2301.795,"sentiment":"neutral","sentiment_score":0.1809733942279528},{"text":"So, yeah, bit of a dip.","start":2301.795,"end":2304.4348,"sentiment":"neutral","sentiment_score":-0.06326706397036712},{"text":"It's not as bad as I would have thought in all honesty, and I don't think it's gonna have a huge dip because property is still a big thing.","start":2304.4348,"end":2312.8801,"sentiment":"neutral","sentiment_score":-0.11299740253337498},{"text":"They still want property.","start":2313.18,"end":2314.54,"sentiment":"neutral","sentiment_score":-0.058054374530911446}],"sentiment":"neutral","sentiment_score":0.05911582004768352,"channel":0,"num_words":137,"start":2272.9749,"end":2314.54},{"sentences":[{"text":"There's still a lot of first time buyers and people trying to get into the market.","start":2314.54,"end":2317.84,"sentiment":"neutral","sentiment_score":-0.05014357506297529},{"text":"I've got a lot of mortgage broker friends who keep telling me they're still really busy.","start":2317.9001,"end":2321.28,"sentiment":"neutral","sentiment_score":-0.12240841519087553},{"text":"So properties are still being purchased and assessed.","start":2321.6602,"end":2324.6401,"sentiment":"neutral","sentiment_score":-0.15777526888996363},{"text":"So I don't think Melbourne or Canberra or even Sydney, Brisbane have seen a a drop of just under 1% as as well.","start":2325.645,"end":2332.605,"sentiment":"neutral","sentiment_score":-0.18742553889751434},{"text":"I don't really think these are going to be very heavy dips.","start":2332.605,"end":2335.725,"sentiment":"neutral","sentiment_score":-0.33282168209552765}],"sentiment":"neutral","sentiment_score":-0.16436908766627312,"channel":0,"num_words":75,"start":2314.54,"end":2335.725},{"sentences":[{"text":"I just think it's a slight correction in the market at the moment.","start":2335.725,"end":2338.685,"sentiment":"neutral","sentiment_score":-0.30230224705659425},{"text":"That's","start":2338.685,"end":2339.01,"sentiment":"neutral","sentiment_score":-0.04449939727783203}],"sentiment":"neutral","sentiment_score":-0.2838877577866827,"channel":0,"num_words":14,"start":2335.725,"end":2339.01},{"sentences":[{"text":"Okay.","start":2340.4849,"end":2340.9849,"sentiment":"neutral","sentiment_score":-0.02912633679807186}],"sentiment":"neutral","sentiment_score":-0.02912633679807186,"channel":1,"num_words":1,"start":2340.4849,"end":2340.9849},{"sentences":[{"text":"all.","start":2341.65,"end":2342.15,"sentiment":"neutral","sentiment_score":-0.01896267756819725}],"sentiment":"neutral","sentiment_score":-0.01896267756819725,"channel":0,"num_words":1,"start":2341.65,"end":2342.15},{"sentences":[{"text":"Yeah.","start":2341.8699,"end":2342.11,"sentiment":"neutral","sentiment_score":-0.00679633766412735},{"text":"I 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rent will","start":2343.63,"end":2344.19,"sentiment":"neutral","sentiment_score":0.00012161706884702054}],"sentiment":"neutral","sentiment_score":0.00012161706884702054,"channel":1,"num_words":3,"start":2343.63,"end":2344.19},{"sentences":[{"text":"If","start":2343.97,"end":2344.47,"sentiment":"neutral","sentiment_score":-0.0017181523144245148}],"sentiment":"neutral","sentiment_score":-0.0017181523144245148,"channel":0,"num_words":1,"start":2343.97,"end":2344.47},{"sentences":[{"text":"return.","start":2344.19,"end":2344.59,"sentiment":"neutral","sentiment_score":0.0001534009352326393},{"text":"So it's a","start":2344.59,"end":2346.29,"sentiment":"neutral","sentiment_score":0.0005669348562757176}],"sentiment":"neutral","sentiment_score":0.000463551376014948,"channel":1,"num_words":4,"start":2344.19,"end":2346.29},{"sentences":[{"text":"yeah.","start":2346.45,"end":2346.95,"sentiment":"neutral","sentiment_score":0.012917712330818176},{"text":"Yeah.","start":2347.89,"end":2348.39,"sentiment":"neutral","sentiment_score":0.02651854231953621}],"sentiment":"neutral","sentiment_score":0.019718127325177193,"channel":0,"num_words":2,"start":2346.45,"end":2348.39},{"sentences":[{"text":"it's a another income stream.","start":2348.03,"end":2349.89,"sentiment":"neutral","sentiment_score":0.02648521549999714}],"sentiment":"neutral","sentiment_score":0.02648521549999714,"channel":1,"num_words":5,"start":2348.03,"end":2349.89},{"sentences":[{"text":"I got it.","start":2349.41,"end":2349.97,"sentiment":"neutral","sentiment_score":0.026067104811469715},{"text":"Do you plan 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works?","start":2451.15,"end":2453.95,"sentiment":"neutral","sentiment_score":0.10899598388509317},{"text":"Or","start":2453.95,"end":2454.27,"sentiment":"neutral","sentiment_score":0.01609516143798828}],"sentiment":"neutral","sentiment_score":0.27593359562257924,"channel":0,"num_words":30,"start":2444.67,"end":2454.27},{"sentences":[{"text":"No.","start":2455.69,"end":2455.93,"sentiment":"neutral","sentiment_score":-0.0850527435541153},{"text":"That's fine.","start":2455.93,"end":2456.75,"sentiment":"neutral","sentiment_score":0.05130404233932495},{"text":"What would what's","start":2457.29,"end":2458.155,"sentiment":"neutral","sentiment_score":0.004772891600926717}],"sentiment":"neutral","sentiment_score":0.005312335987885793,"channel":1,"num_words":6,"start":2455.69,"end":2458.155},{"sentences":[{"text":"yeah.","start":2458.0552,"end":2458.5552,"sentiment":"neutral","sentiment_score":-0.006482534110546112}],"sentiment":"neutral","sentiment_score":-0.006482534110546112,"channel":0,"num_words":1,"start":2458.0552,"end":2458.5552},{"sentences":[{"text":"the fee structure going to for the over 200,000?","start":2458.155,"end":2461.7751,"sentiment":"neutral","sentiment_score":-0.027492757679687604},{"text":"Do you know what that is","start":2462.235,"end":2463.195,"sentiment":"neutral","sentiment_score":-0.025955187467237312}],"sentiment":"neutral","sentiment_score":-0.026877729594707488,"channel":1,"num_words":15,"start":2458.155,"end":2463.195},{"sentences":[{"text":"So","start":2463.175,"end":2463.675,"sentiment":"neutral","sentiment_score":-0.02385462075471878}],"sentiment":"neutral","sentiment_score":-0.02385462075471878,"channel":0,"num_words":1,"start":2463.175,"end":2463.675},{"sentences":[{"text":"yet?","start":2463.195,"end":2463.695,"sentiment":"neutral","sentiment_score":-0.011247940361499786}],"sentiment":"neutral","sentiment_score":-0.011247940361499786,"channel":1,"num_words":1,"start":2463.195,"end":2463.695},{"sentences":[{"text":"with this yeah.","start":2463.735,"end":2464.935,"sentiment":"neutral","sentiment_score":0.011694677174091339},{"text":"Definitely.","start":2464.935,"end":2465.435,"sentiment":"neutral","sentiment_score":0.11727689206600188},{"text":"So with the fee structure, essentially, it'll go to a balance of 200,000.","start":2465.495,"end":2470.8552,"sentiment":"neutral","sentiment_score":0.042670781079393164},{"text":"The fee structure will drop to 1.375.","start":2470.8552,"end":2473.98,"sentiment":"neutral","sentiment_score":-0.033354389880384715},{"text":"And then once your super balance hits the 500,000, it drops down further than that.","start":2474.12,"end":2478.86,"sentiment":"neutral","sentiment_score":-0.05470458815495173}],"sentiment":"neutral","sentiment_score":-0.008896627535040561,"channel":0,"num_words":39,"start":2463.735,"end":2478.86},{"sentences":[{"text":"I kinda I can find it's in the financial services guide here.","start":2479.4001,"end":2483.4001,"sentiment":"neutral","sentiment_score":0.08307861567785342},{"text":"So it was all just, like, released the other week, and I've had to go back and find it to make sure I understand it correctly.","start":2483.4001,"end":2489.405,"sentiment":"neutral","sentiment_score":0.03924113692930685}],"sentiment":"neutral","sentiment_score":0.053084551270953136,"channel":0,"num_words":38,"start":2479.4001,"end":2489.405},{"sentences":[{"text":"I think I got a good time before","start":2490.105,"end":2491.3848,"sentiment":"neutral","sentiment_score":0.1686891196295619}],"sentiment":"neutral","sentiment_score":0.1686891196295619,"channel":1,"num_words":8,"start":2490.105,"end":2491.3848},{"sentences":[{"text":"So","start":2491.305,"end":2491.7048,"sentiment":"neutral","sentiment_score":0.04086684808135033}],"sentiment":"neutral","sentiment_score":0.04086684808135033,"channel":0,"num_words":1,"start":2491.305,"end":2491.7048},{"sentences":[{"text":"I 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wanna get you there as soon as I possibly can.","start":2494.825,"end":2497.4648,"sentiment":"neutral","sentiment_score":0.12662764029069382},{"text":"Not gonna lie.","start":2497.4648,"end":2498.525,"sentiment":"neutral","sentiment_score":0.01085179919997851},{"text":"So the tier structure was that is essentially zero to 200,000 is 1.65%.","start":2499.23,"end":2505.49,"sentiment":"neutral","sentiment_score":0.04563678084657742},{"text":"200,000 to 500,000 is 1.375.","start":2505.95,"end":2509.73,"sentiment":"neutral","sentiment_score":0.04511678367853165}],"sentiment":"neutral","sentiment_score":0.06984371398434494,"channel":0,"num_words":33,"start":2494.505,"end":2509.73},{"sentences":[{"text":"Once your balance is over 500,000 to a million, your fee drops to 1.10%, and then balances between 1 to 2,000,000 drops to 0.82825 point 825%.","start":2509.79,"end":2523.215,"sentiment":"neutral","sentiment_score":0.05460423646638027},{"text":"So each each time your balance increases up over a t, the amount you or the amount you pay for our ongoing services drops into the next year and it works down.","start":2523.835,"end":2535.0298,"sentiment":"neutral","sentiment_score":0.08603537373710424},{"text":"The way that will work so the other thing with the old fee structure is that we always sorta had an estimate because it was set on the a percentage based fee.","start":2535.25,"end":2542.7898,"sentiment":"neutral","sentiment_score":0.005672324215993285},{"text":"We will actually, moving forward, work out exactly what your fee is as per a dollar figure.","start":2543.0452,"end":2547.625,"sentiment":"neutral","sentiment_score":0.09772448789547472},{"text":"It will be a flat fee for the year, and so if your balance goes up, it means that fee will not change.","start":2547.7651,"end":2553.925,"sentiment":"neutral","sentiment_score":0.15253124774798102}],"sentiment":"neutral","sentiment_score":0.07326070365424339,"channel":0,"num_words":130,"start":2509.79,"end":2553.925},{"sentences":[{"text":"It's kind of also gonna give you a lot more certainty around the fee.","start":2553.925,"end":2557.08,"sentiment":"neutral","sentiment_score":0.19651326803224428},{"text":"We worked it out this year that your old fee structure worked out better for you based on your current balance, so we're keeping you on the old fee structure.","start":2557.6401,"end":2566.22,"sentiment":"neutral","sentiment_score":0.17588527090847492},{"text":"The new newer fee structure would be a little bit higher currently, but we'll sort of have a look at it next year and see how it works for you, and I'll show you what that looks like.","start":2566.6802,"end":2576.9949,"sentiment":"neutral","sentiment_score":0.10939641326273743},{"text":"But for now, we're still keeping it the same.","start":2576.9949,"end":2579.2349,"sentiment":"neutral","sentiment_score":0.07025923621323374},{"text":"Does that make sense?","start":2579.2349,"end":2580.115,"sentiment":"neutral","sentiment_score":0.07371153123676777}],"sentiment":"neutral","sentiment_score":0.13802091404795647,"channel":0,"num_words":95,"start":2553.925,"end":2580.115},{"sentences":[{"text":"Do you have additional questions?","start":2580.115,"end":2581.4949,"sentiment":"neutral","sentiment_score":0.003483760729432106}],"sentiment":"neutral","sentiment_score":0.003483760729432106,"channel":0,"num_words":5,"start":2580.115,"end":2581.4949},{"sentences":[{"text":"Nope.","start":2582.08,"end":2582.4,"sentiment":"neutral","sentiment_score":-0.019170280545949936},{"text":"That's fine.","start":2582.4,"end":2583.1401,"sentiment":"neutral","sentiment_score":0.07623044587671757}],"sentiment":"neutral","sentiment_score":0.0444302037358284,"channel":1,"num_words":3,"start":2582.08,"end":2583.1401},{"sentences":[{"text":"No.","start":2584.275,"end":2584.53,"sentiment":"neutral","sentiment_score":0.059819430112838745},{"text":"Perfect.","start":2584.69,"end":2585.01,"sentiment":"positive","sentiment_score":0.35148492455482483},{"text":"All good.","start":2585.01,"end":2585.41,"sentiment":"positive","sentiment_score":0.3563694357872009},{"text":"We had to sort of make some changes.","start":2585.41,"end":2586.69,"sentiment":"neutral","sentiment_score":0.09519713651388884},{"text":"Our fees have never changed since we sort of opened up back in 2018, 2019.","start":2586.69,"end":2591.75,"sentiment":"neutral","sentiment_score":0.05053380007545153}],"sentiment":"neutral","sentiment_score":0.097912122943887,"channel":0,"num_words":27,"start":2584.275,"end":2591.75},{"sentences":[{"text":"But we've had to kind of update and make some changes to the fee structure so that it's still working for you guys as a client, but also because the cost of providing advice to legislation requirements and the same as with everyone, the cost of living and cost of running a business has increased as well.","start":2592.53,"end":2606.655,"sentiment":"neutral","sentiment_score":0.0790739267933787},{"text":"So we just wanted to make sure it was working properly and make sure we're looking after everybody, but also making sure that we can, you know, do provide our professional services and also charge the fee that we need you to do that, essentially.","start":2606.655,"end":2620.11,"sentiment":"neutral","sentiment_score":0.1633119500345654}],"sentiment":"neutral","sentiment_score":0.11623776057625518,"channel":0,"num_words":102,"start":2592.53,"end":2620.11},{"sentences":[{"text":"Cool.","start":2621.88,"end":2622.38,"sentiment":"positive","sentiment_score":0.44456878304481506}],"sentiment":"positive","sentiment_score":0.44456878304481506,"channel":1,"num_words":1,"start":2621.88,"end":2622.38},{"sentences":[{"text":"Yeah.","start":2623.85,"end":2624.35,"sentiment":"positive","sentiment_score":0.37086570262908936},{"text":"Easy.","start":2624.57,"end":2625.07,"sentiment":"positive","sentiment_score":0.4048033356666565}],"sentiment":"positive","sentiment_score":0.3878345191478729,"channel":0,"num_words":2,"start":2623.85,"end":2625.07},{"sentences":[{"text":"Mhmm.","start":2625.4348,"end":2625.9348,"sentiment":"neutral","sentiment_score":0.17531800270080566}],"sentiment":"neutral","sentiment_score":0.17531800270080566,"channel":1,"num_words":1,"start":2625.4348,"end":2625.9348},{"sentences":[{"text":"That is essentially all the documents in the ongoing service or annual review path.","start":2625.845,"end":2630.7449,"sentiment":"neutral","sentiment_score":0.13561127547706878},{"text":"If you can feel free to go back and have a good read through those.","start":2630.9648,"end":2633.4448,"sentiment":"neutral","sentiment_score":0.22659495274225872},{"text":"If you wanna stay on board with the client for the next twelve months, I will ask that you sign and return the ongoing service agreement back there for me.","start":2633.4448,"end":2640.1848,"sentiment":"neutral","sentiment_score":0.23568491290012997},{"text":"We will go back and do some updated advice to make sure things are working harder for you.","start":2641.2,"end":2645.76,"sentiment":"neutral","sentiment_score":0.26776474134789574},{"text":"One of the biggest things I do like to point out is that we do work on the best interest duties, so we do wanna make sure things are updated.","start":2645.76,"end":2651.6199,"sentiment":"neutral","sentiment_score":0.29668019264936446}],"sentiment":"neutral","sentiment_score":0.2438149594257925,"channel":0,"num_words":107,"start":2625.845,"end":2651.6199},{"sentences":[{"text":"Having a look at your portfolio, it hasn't really been touched or updated in the past couple of years.","start":2652.16,"end":2656.495,"sentiment":"neutral","sentiment_score":0.13956656620690697},{"text":"So it is definitely worth updating now.","start":2656.495,"end":2658.635,"sentiment":"positive","sentiment_score":0.501774149281638},{"text":"I'll reassess all those things for you to make sure that you're on track, that things are working harder, and I'll look at the insurances as well as the super the investment portfolio and see how we can lower fees, keep more money invested in your future working harder for you, but also boost your balance and make it as you know, get you as much as we possibly can over the next seventeen years towards your goals there.","start":2659.0151,"end":2681.68,"sentiment":"positive","sentiment_score":0.44510645051545733},{"text":"How does that sound?","start":2681.68,"end":2682.74,"sentiment":"neutral","sentiment_score":0.17262131720781326}],"sentiment":"positive","sentiment_score":0.3854869602060099,"channel":0,"num_words":109,"start":2652.16,"end":2682.74},{"sentences":[{"text":"Yeah.","start":2683.115,"end":2683.355,"sentiment":"neutral","sentiment_score":0.2679440975189209},{"text":"Sounds good.","start":2683.355,"end":2683.915,"sentiment":"positive","sentiment_score":0.513947144150734},{"text":"I time flies.","start":2683.915,"end":2685.115,"sentiment":"neutral","sentiment_score":0.22682336469491324},{"text":"I just thought I've done it last 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longer?","start":2704.95,"end":2709.91,"sentiment":"neutral","sentiment_score":-0.05717506445944309}],"sentiment":"neutral","sentiment_score":0.0019936382441836245,"channel":0,"num_words":68,"start":2689.215,"end":2709.91},{"sentences":[{"text":"What is your goal for accessing super now?","start":2709.91,"end":2712.3298,"sentiment":"neutral","sentiment_score":0.019134823232889175}],"sentiment":"neutral","sentiment_score":0.019134823232889175,"channel":0,"num_words":8,"start":2709.91,"end":2712.3298},{"sentences":[{"text":"Oh, I'd love to stop working right now, but that's not gonna happen.","start":2713.85,"end":2717.87,"sentiment":"neutral","sentiment_score":-0.22941915347025946},{"text":"I I'm just going with 65 because that's 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kind","start":2775.435,"end":2775.9949,"sentiment":"neutral","sentiment_score":0.13855684796969095}],"sentiment":"neutral","sentiment_score":0.18633555964781687,"channel":0,"num_words":26,"start":2765.04,"end":2775.9949},{"sentences":[{"text":"Fun","start":2775.97,"end":2776.47,"sentiment":"neutral","sentiment_score":0.2087259441614151}],"sentiment":"neutral","sentiment_score":0.2087259441614151,"channel":1,"num_words":1,"start":2775.97,"end":2776.47},{"sentences":[{"text":"of part of your 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income updated.","start":2797.605,"end":2798.665,"sentiment":"neutral","sentiment_score":0.1363069067398707},{"text":"Absolutely.","start":2800.165,"end":2800.665,"sentiment":"neutral","sentiment_score":0.2957930564880371},{"text":"I did some renovations on mine.","start":2801.5251,"end":2803.125,"sentiment":"neutral","sentiment_score":0.24444215248028436},{"text":"I'm quite happy to stop for a minute.","start":2803.125,"end":2805.065,"sentiment":"positive","sentiment_score":0.3926701098680496},{"text":"The other thing to sort of look at is just the other assets I have here.","start":2807.685,"end":2811.24,"sentiment":"neutral","sentiment_score":0.054878620663657784}],"sentiment":"neutral","sentiment_score":0.18208192650447874,"channel":0,"num_words":34,"start":2797.605,"end":2811.24},{"sentences":[{"text":"Your car, your 2008 Subaru Outback, we have that valued at about 3,000 last year.","start":2811.24,"end":2816.68,"sentiment":"neutral","sentiment_score":0.04354512753585974},{"text":"What sort of value would you put on that now, do you think?","start":2816.68,"end":2819.26,"sentiment":"neutral","sentiment_score":0.028828646557835434}],"sentiment":"neutral","sentiment_score":0.0367124756532056,"channel":0,"num_words":28,"start":2811.24,"end":2819.26},{"sentences":[{"text":"Well, I'm just in the process of changing that over.","start":2820.45,"end":2822.45,"sentiment":"neutral","sentiment_score":0.023642218299210073},{"text":"So I will have a 2015 Subaru 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to my dad's old car.","start":2830.8499,"end":2834.13,"sentiment":"neutral","sentiment_score":0.23835496604442596},{"text":"So","start":2834.13,"end":2834.595,"sentiment":"neutral","sentiment_score":0.0634603500366211}],"sentiment":"neutral","sentiment_score":0.22086550444364547,"channel":1,"num_words":10,"start":2830.8499,"end":2834.595},{"sentences":[{"text":"Yep.","start":2835.705,"end":2836.205,"sentiment":"neutral","sentiment_score":0.07071544229984283}],"sentiment":"neutral","sentiment_score":0.07071544229984283,"channel":0,"num_words":1,"start":2835.705,"end":2836.205},{"sentences":[{"text":"I actually don't know how much that's worth, but I'm gonna I have to look up my car's guide, wouldn't 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think?","start":2847.1301,"end":2848.6702,"sentiment":"neutral","sentiment_score":0.009780577616766095}],"sentiment":"neutral","sentiment_score":0.015336597431451082,"channel":0,"num_words":20,"start":2845.05,"end":2848.6702},{"sentences":[{"text":"Just I'm googling it.","start":2852.86,"end":2854.32,"sentiment":"neutral","sentiment_score":0.03053863998502493},{"text":"There you go.","start":2865.565,"end":2866.125,"sentiment":"neutral","sentiment_score":0.025460274269183476},{"text":"Australian market currently valued between 1,600 and 19,000 depending on condition and trim.","start":2866.125,"end":2872.865,"sentiment":"neutral","sentiment_score":0.036994290323211595},{"text":"I'll check-in the middle there, 15,000.","start":2874.765,"end":2876.785,"sentiment":"neutral","sentiment_score":0.04654026962816715}],"sentiment":"neutral","sentiment_score":0.036873183643015534,"channel":1,"num_words":26,"start":2852.86,"end":2876.785},{"sentences":[{"text":"Beautiful.","start":2878.875,"end":2879.375,"sentiment":"positive","sentiment_score":0.3503199517726898},{"text":"Excellent.","start":2879.595,"end":2880.095,"sentiment":"positive","sentiment_score":0.3866969347000122},{"text":"And then I also had down here that you had about 70,000 sitting in savings.","start":2880.715,"end":2885.035,"sentiment":"neutral","sentiment_score":0.09572814479470253},{"text":"Do you still have those savings?","start":2885.035,"end":2886.735,"sentiment":"neutral","sentiment_score":0.03934567359586557}],"sentiment":"neutral","sentiment_score":0.10473969999862753,"channel":0,"num_words":23,"start":2878.875,"end":2886.735},{"sentences":[{"text":"Yeah.","start":2888.15,"end":2888.55,"sentiment":"neutral","sentiment_score":0.0031489748507738113},{"text":"I'm sitting at 90 at the moment, but I'm about to check a whole bunch against the home loan.","start":2888.55,"end":2892.6301,"sentiment":"neutral","sentiment_score":0.0024032850235112405},{"text":"So I'll probably have about 40 after that.","start":2892.6301,"end":2895.635,"sentiment":"neutral","sentiment_score":0.02045314130373299}],"sentiment":"neutral","sentiment_score":0.007587018597405404,"channel":1,"num_words":28,"start":2888.15,"end":2895.635},{"sentences":[{"text":"Beautiful.","start":2897.6401,"end":2898.1401,"sentiment":"neutral","sentiment_score":0.3117089569568634},{"text":"Update that.","start":2898.6,"end":2899.32,"sentiment":"neutral","sentiment_score":0.20746979117393494},{"text":"So we'll say about 40.","start":2899.32,"end":2900.6802,"sentiment":"neutral","sentiment_score":0.04787647724151611},{"text":"And is that extra 50,000 going on the home loan or just sitting in an offset account?","start":2900.6802,"end":2905.34,"sentiment":"neutral","sentiment_score":0.012970810756087303}],"sentiment":"neutral","sentiment_score":0.04746138833463192,"channel":0,"num_words":25,"start":2897.6401,"end":2905.34},{"sentences":[{"text":"It's gonna, yeah, go against the home loan.","start":2906.415,"end":2908.495,"sentiment":"neutral","sentiment_score":-0.00955130229704082},{"text":"So and then the leftover","start":2908.495,"end":2911.79,"sentiment":"neutral","sentiment_score":-0.0003082241863012314}],"sentiment":"neutral","sentiment_score":-0.005996272254448671,"channel":1,"num_words":13,"start":2906.415,"end":2911.79},{"sentences":[{"text":"So that'll","start":2911.4949,"end":2912.055,"sentiment":"neutral","sentiment_score":0.0018838371615856886}],"sentiment":"neutral","sentiment_score":0.0018838371615856886,"channel":0,"num_words":2,"start":2911.4949,"end":2912.055},{"sentences":[{"text":"40","start":2911.79,"end":2912.11,"sentiment":"neutral","sentiment_score":0.014866750687360764}],"sentiment":"neutral","sentiment_score":0.014866750687360764,"channel":1,"num_words":1,"start":2911.79,"end":2912.11},{"sentences":[{"text":"be","start":2912.055,"end":2912.2148,"sentiment":"neutral","sentiment_score":-0.008408736437559128}],"sentiment":"neutral","sentiment_score":-0.008408736437559128,"channel":0,"num_words":1,"start":2912.055,"end":2912.2148},{"sentences":[{"text":"isn't","start":2912.11,"end":2912.35,"sentiment":"neutral","sentiment_score":-0.0020913081243634224}],"sentiment":"neutral","sentiment_score":-0.0020913081243634224,"channel":1,"num_words":1,"start":2912.11,"end":2912.35},{"sentences":[{"text":"on the","start":2912.2148,"end":2912.4548,"sentiment":"neutral","sentiment_score":-0.004141531884670258}],"sentiment":"neutral","sentiment_score":-0.004141531884670258,"channel":0,"num_words":2,"start":2912.2148,"end":2912.4548},{"sentences":[{"text":"off","start":2912.35,"end":2912.85,"sentiment":"neutral","sentiment_score":-0.0008907094597816467}],"sentiment":"neutral","sentiment_score":-0.0008907094597816467,"channel":1,"num_words":1,"start":2912.35,"end":2912.85},{"sentences":[{"text":"main primary yep.","start":2912.4548,"end":2914.855,"sentiment":"neutral","sentiment_score":0.004255544394254685},{"text":"That's okay.","start":2914.855,"end":2915.7349,"sentiment":"neutral","sentiment_score":0.08851126581430435},{"text":"So that'll be in the offset account.","start":2915.7349,"end":2917.255,"sentiment":"neutral","sentiment_score":0.06150668380515916},{"text":"And so that 50,000 will drop essentially the main primary residence","start":2917.255,"end":2921.1748,"sentiment":"neutral","sentiment_score":0.03975839879025112}],"sentiment":"neutral","sentiment_score":0.04598601470174997,"channel":0,"num_words":23,"start":2912.4548,"end":2921.1748},{"sentences":[{"text":"rate.","start":2920.75,"end":2921.25,"sentiment":"neutral","sentiment_score":0.01831017434597015}],"sentiment":"neutral","sentiment_score":0.01831017434597015,"channel":1,"num_words":1,"start":2920.75,"end":2921.25},{"sentences":[{"text":"down to about $3.50 owing?","start":2921.1748,"end":2922.875,"sentiment":"neutral","sentiment_score":0.009140258375555276}],"sentiment":"neutral","sentiment_score":0.009140258375555276,"channel":0,"num_words":5,"start":2921.1748,"end":2922.875},{"sentences":[{"text":"Yeah.","start":2923.55,"end":2923.87,"sentiment":"neutral","sentiment_score":0.01237392984330654},{"text":"That's that's 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that.","start":2929.47,"end":2930.03,"sentiment":"positive","sentiment_score":0.5323698818683624},{"text":"I'm trying to knock that nondeductible debt down.","start":2930.03,"end":2932.61,"sentiment":"neutral","sentiment_score":0.2828662656247616},{"text":"Anyone is there any other assets or liabilities or anything else that you sort of want","start":2934.35,"end":2938.725,"sentiment":"neutral","sentiment_score":0.046275344444438815}],"sentiment":"neutral","sentiment_score":0.15646443845560917,"channel":0,"num_words":26,"start":2929.47,"end":2938.725},{"sentences":[{"text":"Don't","start":2944.5598,"end":2944.7998,"sentiment":"neutral","sentiment_score":-0.0316704586148262}],"sentiment":"neutral","sentiment_score":-0.0316704586148262,"channel":1,"num_words":1,"start":2944.5598,"end":2944.7998},{"sentences":[{"text":"us","start":2944.725,"end":2945.205,"sentiment":"neutral","sentiment_score":-0.059513870626688}],"sentiment":"neutral","sentiment_score":-0.059513870626688,"channel":0,"num_words":1,"start":2944.725,"end":2945.205},{"sentences":[{"text":"those 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all?","start":2945.685,"end":2947.6052,"sentiment":"neutral","sentiment_score":-0.01978914439678192}],"sentiment":"neutral","sentiment_score":-0.01978914439678192,"channel":0,"num_words":4,"start":2945.685,"end":2947.6052},{"sentences":[{"text":"No.","start":2947.28,"end":2947.78,"sentiment":"neutral","sentiment_score":-0.14504897594451904}],"sentiment":"neutral","sentiment_score":-0.14504897594451904,"channel":1,"num_words":1,"start":2947.28,"end":2947.78},{"sentences":[{"text":"I mean, they cost money.","start":2947.6052,"end":2949.5452,"sentiment":"neutral","sentiment_score":-0.14567673504352568}],"sentiment":"neutral","sentiment_score":-0.14567673504352568,"channel":0,"num_words":5,"start":2947.6052,"end":2949.5452},{"sentences":[{"text":"No.","start":2954.545,"end":2954.785,"sentiment":"neutral","sentiment_score":-0.16846615076065063},{"text":"I think that's probably 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environment?","start":2968.035,"end":2978.9348,"sentiment":"neutral","sentiment_score":-0.023455763584934175}],"sentiment":"neutral","sentiment_score":-0.01149683753273597,"channel":0,"num_words":76,"start":2957.58,"end":2978.9348},{"sentences":[{"text":"I'm pretty okay with, yeah, where we're we're at at the moment.","start":2980.575,"end":2984.035,"sentiment":"neutral","sentiment_score":0.12946643866598606}],"sentiment":"neutral","sentiment_score":0.12946643866598606,"channel":1,"num_words":12,"start":2980.575,"end":2984.035},{"sentences":[{"text":"Yep.","start":2984.9302,"end":2985.4302,"sentiment":"neutral","sentiment_score":0.10982023179531096},{"text":"That's okay.","start":2985.49,"end":2986.05,"sentiment":"neutral","sentiment_score":0.13724207878112793},{"text":"One of the questions I do like to ask just to sort of gauge whether it's worth reviewing or not is if you saw your super fall by 20% over the next one to two years, how do you think you might be feeling?","start":2986.05,"end":2996.155,"sentiment":"neutral","sentiment_score":-0.03805393945764412},{"text":"Do you see it as a buying opportunity, maybe wanting to put some more money into the market, take advantage of that downtime?","start":2996.215,"end":3001.995,"sentiment":"neutral","sentiment_score":-0.04592543403091638},{"text":"Are you a bit cautious, maybe hold and wait, you know, speak to us if it wasted us to do?","start":3002.535,"end":3007.32,"sentiment":"neutral","sentiment_score":-0.15862984731793403}],"sentiment":"neutral","sentiment_score":-0.06132167639831702,"channel":0,"num_words":90,"start":2984.9302,"end":3007.32},{"sentences":[{"text":"Or are you feeling very nervous about that fit in the market and maybe wanting to sell your investments to cash?","start":3007.4001,"end":3012.36,"sentiment":"neutral","sentiment_score":-0.1764144180786042},{"text":"How do you think you might react in that 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thing for you?","start":3025.655,"end":3026.875,"sentiment":"neutral","sentiment_score":-0.051014745607972145}],"sentiment":"neutral","sentiment_score":-0.051014745607972145,"channel":0,"num_words":4,"start":3025.655,"end":3026.875},{"sentences":[{"text":"yeah.","start":3026.77,"end":3027.01,"sentiment":"neutral","sentiment_score":-0.019816510379314423},{"text":"The beginning.","start":3027.01,"end":3027.6501,"sentiment":"neutral","sentiment_score":-0.027015128172934055},{"text":"Sorry.","start":3027.6501,"end":3028.1501,"sentiment":"neutral","sentiment_score":-0.0335213840007782}],"sentiment":"neutral","sentiment_score":-0.026842037681490183,"channel":1,"num_words":4,"start":3026.77,"end":3028.1501},{"sentences":[{"text":"Yeah.","start":3029.175,"end":3029.575,"sentiment":"neutral","sentiment_score":-0.011585509404540062},{"text":"No.","start":3029.575,"end":3029.815,"sentiment":"neutral","sentiment_score":-0.04414182901382446},{"text":"That's 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that?","start":3066.34,"end":3079.885,"sentiment":"neutral","sentiment_score":-0.03262435827328234},{"text":"Where do you think you might fit with the risk profile?","start":3079.885,"end":3082.625,"sentiment":"neutral","sentiment_score":-0.012290065430782059}],"sentiment":"neutral","sentiment_score":-0.030383914353305036,"channel":0,"num_words":89,"start":3058.34,"end":3082.625},{"sentences":[{"text":"Yeah.","start":3083.44,"end":3083.84,"sentiment":"neutral","sentiment_score":0.02716236747801304},{"text":"I sort of like to think I'd be between the first option and the second option.","start":3083.84,"end":3089.1948,"sentiment":"neutral","sentiment_score":0.027614756138063967},{"text":"Probably, you","start":3089.1948,"end":3090.4749,"sentiment":"neutral","sentiment_score":0.0395042821764946}],"sentiment":"neutral","sentiment_score":0.02884247526526451,"channel":1,"num_words":19,"start":3083.44,"end":3090.4749},{"sentences":[{"text":"Yep.","start":3090.44,"end":3090.94,"sentiment":"neutral","sentiment_score":0.0414913147687912}],"sentiment":"neutral","sentiment_score":0.0414913147687912,"channel":0,"num_words":1,"start":3090.44,"end":3090.94},{"sentences":[{"text":"know, to give you an answer, I'll say the the the second option.","start":3090.4749,"end":3093.275,"sentiment":"neutral","sentiment_score":0.035085776390937656},{"text":"But I'd sort of, like, put 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fine.","start":3098.885,"end":3100.245,"sentiment":"neutral","sentiment_score":0.3283083438873291},{"text":"That's absolutely fine.","start":3100.245,"end":3101.625,"sentiment":"positive","sentiment_score":0.43310131629308063},{"text":"So I've kind of marked you in the middle there, which is great.","start":3101.925,"end":3104.665,"sentiment":"positive","sentiment_score":0.39965537878183216}],"sentiment":"positive","sentiment_score":0.34862153384495864,"channel":0,"num_words":22,"start":3097.125,"end":3104.665},{"sentences":[{"text":"When you sort of think about risk out of a number between one and five, having that growth environment, you're sitting 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have","start":3119.77,"end":3120.33,"sentiment":"neutral","sentiment_score":0.08191357801357906}],"sentiment":"neutral","sentiment_score":0.0264205253033927,"channel":0,"num_words":33,"start":3111.45,"end":3120.33},{"sentences":[{"text":"Mhmm.","start":3120.155,"end":3120.655,"sentiment":"neutral","sentiment_score":0.0765049010515213}],"sentiment":"neutral","sentiment_score":0.0765049010515213,"channel":1,"num_words":1,"start":3120.155,"end":3120.655},{"sentences":[{"text":"that eighty twenty split.","start":3120.33,"end":3121.53,"sentiment":"neutral","sentiment_score":0.07896966487169266},{"text":"It does suit someone who's got at least six years before accessing their money, so it does suit your time horizon.","start":3121.53,"end":3127.045,"sentiment":"neutral","sentiment_score":0.08013408684304782},{"text":"You do have capacity whilst you're working to withstand the downtime, but, understandably, it can make you a little bit nervous in those downtimes as 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look, thank you so much for your time today.","start":3300.625,"end":3302.305,"sentiment":"positive","sentiment_score":0.6658073008060456},{"text":"It's been an absolute pleasure.","start":3302.305,"end":3303.585,"sentiment":"positive","sentiment_score":0.8706057786941528}],"sentiment":"positive","sentiment_score":0.6239226572215557,"channel":0,"num_words":18,"start":3297.825,"end":3303.585},{"sentences":[{"text":"I'm sorry it took a bit longer than I had expected, but there's a lot of things I sort of thought that I wanted to talk to you about.","start":3303.585,"end":3308.49,"sentiment":"neutral","sentiment_score":0.1368746230828351},{"text":"There's definitely some advice I can provide moving forward, and I wanna make sure that your retirement is the best it can be.","start":3308.49,"end":3313.77,"sentiment":"positive","sentiment_score":0.47838374972343445},{"text":"So I'll work on some advice and update things for you.","start":3313.77,"end":3317.45,"sentiment":"positive","sentiment_score":0.395003007216887},{"text":"In the meantime, if you can find that and review drops and grab them and send them back to me, that'd be fabulous.","start":3317.45,"end":3322.11,"sentiment":"positive","sentiment_score":0.45738670229911804},{"text":"I'll also send out that email with some information on the state trustee for you and the will services they provide.","start":3322.695,"end":3328.215,"sentiment":"neutral","sentiment_score":0.2716876495452154}],"sentiment":"neutral","sentiment_score":0.33217344098837576,"channel":0,"num_words":107,"start":3303.585,"end":3328.215},{"sentences":[{"text":"And then if you do have additional questions, you're welcome to let me know at any time.","start":3328.215,"end":3331.975,"sentiment":"neutral","sentiment_score":0.1884729266166687},{"text":"You also then have my direct email address to Emma.","start":3331.975,"end":3334.53,"sentiment":"neutral","sentiment_score":0.09546922147274017},{"text":"Okay.","start":3334.77,"end":3335.27,"sentiment":"neutral","sentiment_score":0.17125482857227323}],"sentiment":"neutral","sentiment_score":0.1546423855636801,"channel":0,"num_words":28,"start":3328.215,"end":3335.27},{"sentences":[{"text":"Yep.","start":3335.84,"end":3336.34,"sentiment":"neutral","sentiment_score":0.3023846745491028}],"sentiment":"neutral","sentiment_score":0.3023846745491028,"channel":1,"num_words":1,"start":3335.84,"end":3336.34},{"sentences":[{"text":"Beautiful.","start":3338.53,"end":3339.03,"sentiment":"positive","sentiment_score":0.6909763813018799},{"text":"Thank you so much for your time.","start":3339.17,"end":3340.53,"sentiment":"positive","sentiment_score":0.7985929421016148},{"text":"I really appreciate it.","start":3340.53,"end":3341.6501,"sentiment":"positive","sentiment_score":0.8214159458875656},{"text":"I'll get cracking on that advice.","start":3341.6501,"end":3343.19,"sentiment":"positive","sentiment_score":0.7468937138716379},{"text":"Before I let you go, let's we'll get a quick pre assessment with my colleagues there.","start":3343.57,"end":3347.595,"sentiment":"neutral","sentiment_score":0.17497049272060394}],"sentiment":"positive","sentiment_score":0.49552002724479227,"channel":0,"num_words":34,"start":3338.53,"end":3347.595},{"sentences":[{"text":"Is there a day or time maybe next week or the week after that would suit for them to give you a quick call and run through that?","start":3347.675,"end":3352.955,"sentiment":"neutral","sentiment_score":0.10290850685643298},{"text":"It should only take about five to ten minutes.","start":3352.955,"end":3355.055,"sentiment":"neutral","sentiment_score":0.10163066536188126}],"sentiment":"neutral","sentiment_score":0.10259768054694743,"channel":0,"num_words":37,"start":3347.675,"end":3355.055},{"sentences":[{"text":"Yeah.","start":3356.19,"end":3356.69,"sentiment":"neutral","sentiment_score":0.10635361075401306},{"text":"Friday is usually my best day.","start":3357.3098,"end":3359.41,"sentiment":"neutral","sentiment_score":0.13321034982800484}],"sentiment":"neutral","sentiment_score":0.1293736728174346,"channel":1,"num_words":7,"start":3356.19,"end":3359.41},{"sentences":[{"text":"Yep.","start":3360.875,"end":3361.195,"sentiment":"neutral","sentiment_score":0.06846293807029724},{"text":"That's okay.","start":3361.195,"end":3362.015,"sentiment":"neutral","sentiment_score":0.0605468787252903},{"text":"Sorry.","start":3364.67,"end":3364.91,"sentiment":"neutral","sentiment_score":-0.01069946400821209},{"text":"Probably today.","start":3364.91,"end":3365.97,"sentiment":"neutral","sentiment_score":-0.0018564262427389622},{"text":"It's September.","start":3366.43,"end":3367.41,"sentiment":"neutral","sentiment_score":0.005622851043881383}],"sentiment":"neutral","sentiment_score":0.023298760139368824,"channel":0,"num_words":8,"start":3360.875,"end":3367.41},{"sentences":[{"text":"If I get someone to give you a call, even tomorrow, would tomorrow work for you?","start":3368.8298,"end":3377.3298,"sentiment":"neutral","sentiment_score":0.017534410406369716}],"sentiment":"neutral","sentiment_score":0.017534410406369716,"channel":0,"num_words":16,"start":3368.8298,"end":3377.3298},{"sentences":[{"text":"Yep.","start":3378.7598,"end":3379.2598,"sentiment":"neutral","sentiment_score":-0.003336659399792552},{"text":"I just yeah.","start":3379.5598,"end":3380.3599,"sentiment":"neutral","sentiment_score":-0.023537253960967064},{"text":"No.","start":3380.3599,"end":3380.44,"sentiment":"neutral","sentiment_score":-0.11269211769104004},{"text":"I don't have anything","start":3380.44,"end":3381.0798,"sentiment":"neutral","sentiment_score":-0.10886163264513016}],"sentiment":"neutral","sentiment_score":-0.06912078550602826,"channel":1,"num_words":9,"start":3378.7598,"end":3381.0798},{"sentences":[{"text":"If","start":3381.015,"end":3381.175,"sentiment":"neutral","sentiment_score":-0.10951869934797288}],"sentiment":"neutral","sentiment_score":-0.10951869934797288,"channel":0,"num_words":1,"start":3381.015,"end":3381.175},{"sentences":[{"text":"tomorrow.","start":3381.0798,"end":3381.5798,"sentiment":"neutral","sentiment_score":-0.0804271548986435}],"sentiment":"neutral","sentiment_score":-0.0804271548986435,"channel":1,"num_words":1,"start":3381.0798,"end":3381.5798},{"sentences":[{"text":"not, I could do it.","start":3381.175,"end":3382.395,"sentiment":"neutral","sentiment_score":-0.11538780629634857},{"text":"No.","start":3382.855,"end":3383.095,"sentiment":"neutral","sentiment_score":-0.06541337072849274},{"text":"That's okay.","start":3383.095,"end":3383.915,"sentiment":"neutral","sentiment_score":-0.016088586766272783},{"text":"Our office is generally open until about, say, 02:00.","start":3384.455,"end":3388.055,"sentiment":"neutral","sentiment_score":0.003559631295502186},{"text":"Our last appointment's closed at one.","start":3388.055,"end":3390.055,"sentiment":"neutral","sentiment_score":-0.022939936568339665}],"sentiment":"neutral","sentiment_score":-0.03391880493449128,"channel":0,"num_words":23,"start":3381.175,"end":3390.055},{"sentences":[{"text":"What time would be best for someone to give you a call?","start":3390.055,"end":3392.76,"sentiment":"neutral","sentiment_score":0.013816434890031815}],"sentiment":"neutral","sentiment_score":0.013816434890031815,"channel":0,"num_words":12,"start":3390.055,"end":3392.76},{"sentences":[{"text":"All day is good, so whatever suits.","start":3394.695,"end":3397.435,"sentiment":"neutral","sentiment_score":0.15265910433871405}],"sentiment":"neutral","sentiment_score":0.15265910433871405,"channel":1,"num_words":7,"start":3394.695,"end":3397.435},{"sentences":[{"text":"Okay.","start":3397.4,"end":3397.9,"sentiment":"neutral","sentiment_score":0.13647669553756714},{"text":"Perfect.","start":3399.0,"end":3399.4,"sentiment":"neutral","sentiment_score":0.24476850032806396},{"text":"What if I make it 09:00 in the morning?","start":3399.4,"end":3401.32,"sentiment":"neutral","sentiment_score":0.023087968325449362},{"text":"That way they can get to the free assessment and leave you to enjoy the rest of your day.","start":3401.32,"end":3404.84,"sentiment":"positive","sentiment_score":0.45210548529499456},{"text":"Does that work okay?","start":3404.84,"end":3405.9,"sentiment":"neutral","sentiment_score":0.24302846938371658}],"sentiment":"neutral","sentiment_score":0.2985633826157188,"channel":0,"num_words":34,"start":3397.4,"end":3405.9},{"sentences":[{"text":"Yeah.","start":3406.2952,"end":3406.5352,"sentiment":"neutral","sentiment_score":0.3248959481716156},{"text":"That works.","start":3406.5352,"end":3407.3552,"sentiment":"positive","sentiment_score":0.5087763667106628}],"sentiment":"positive","sentiment_score":0.4474828938643138,"channel":1,"num_words":3,"start":3406.2952,"end":3407.3552},{"sentences":[{"text":"Beautiful.","start":3408.7852,"end":3409.2651,"sentiment":"positive","sentiment_score":0.7892746925354004},{"text":"Awesome.","start":3409.2651,"end":3409.5852,"sentiment":"positive","sentiment_score":0.8388946652412415},{"text":"Thank you so much.","start":3409.5852,"end":3410.3052,"sentiment":"positive","sentiment_score":0.8214974254369736},{"text":"So my colleague, Samantha, she's my admin team member.","start":3410.3052,"end":3412.5452,"sentiment":"neutral","sentiment_score":0.24748383462429047},{"text":"She'll give you a call, run through that with you at 9AM tomorrow morning.","start":3412.5452,"end":3416.0652,"sentiment":"neutral","sentiment_score":0.2310855324779238}],"sentiment":"positive","sentiment_score":0.35781762158048563,"channel":0,"num_words":29,"start":3408.7852,"end":3416.0652},{"sentences":[{"text":"And then in the meantime, I'll get stuck into the research, and I'll get her to rebook your presentation after that as well so you've got an idea of when that will be in the next couple of weeks for you.","start":3416.0652,"end":3426.46,"sentiment":"neutral","sentiment_score":0.18119049562913617},{"text":"Okay?","start":3426.46,"end":3426.96,"sentiment":"neutral","sentiment_score":0.10727740824222563}],"sentiment":"neutral","sentiment_score":0.1794306602151621,"channel":0,"num_words":42,"start":3416.0652,"end":3426.96},{"sentences":[{"text":"Okay.","start":3427.565,"end":3428.065,"sentiment":"neutral","sentiment_score":0.2670721113681793},{"text":"I'm good.","start":3428.125,"end":3428.785,"sentiment":"positive","sentiment_score":0.5464814901351929}],"sentiment":"positive","sentiment_score":0.45334503054618835,"channel":1,"num_words":3,"start":3427.565,"end":3428.785},{"sentences":[{"text":"Thank you so much for your time.","start":3429.9,"end":3431.3398,"sentiment":"positive","sentiment_score":0.7623678956712995},{"text":"I hope you have a good day.","start":3431.3398,"end":3432.6199,"sentiment":"positive","sentiment_score":0.6502411961555481},{"text":"Are you working the rest of the day?","start":3432.6199,"end":3434.14,"sentiment":"neutral","sentiment_score":0.07881799200549722},{"text":"Do you have to stay off?","start":3434.14,"end":3435.2798,"sentiment":"neutral","sentiment_score":-0.021777956125636894}],"sentiment":"positive","sentiment_score":0.3710049943599318,"channel":0,"num_words":28,"start":3429.9,"end":3435.2798},{"sentences":[{"text":"Oh, no.","start":3435.73,"end":3435.9702,"sentiment":"neutral","sentiment_score":-0.1162303239107132},{"text":"I'm working, and I'm now watching it rain.","start":3435.9702,"end":3438.87,"sentiment":"neutral","sentiment_score":-0.10798355098813772}],"sentiment":"neutral","sentiment_score":-0.10963290557265282,"channel":1,"num_words":10,"start":3435.73,"end":3438.87},{"sentences":[{"text":"Well oh, no.","start":3439.0999,"end":3441.235,"sentiment":"neutral","sentiment_score":-0.012255451331535973},{"text":"It happened.","start":3441.235,"end":3441.975,"sentiment":"neutral","sentiment_score":-0.03717133775353432},{"text":"At least it's a working day.","start":3442.595,"end":3444.355,"sentiment":"neutral","sentiment_score":0.11839619775613149},{"text":"Hopefully, the weekend or when your office is nice and sunny for you.","start":3444.355,"end":3447.815,"sentiment":"neutral","sentiment_score":0.33200592031845677}],"sentiment":"neutral","sentiment_score":0.2048060467156271,"channel":0,"num_words":24,"start":3439.0999,"end":3447.815},{"sentences":[{"text":"Yeah.","start":3448.1301,"end":3448.45,"sentiment":"neutral","sentiment_score":-0.05225491523742676},{"text":"I don't think that's gonna happen, but we can only hope.","start":3448.45,"end":3450.95,"sentiment":"neutral","sentiment_score":-0.24055041101845828}],"sentiment":"neutral","sentiment_score":-0.22485911970337233,"channel":1,"num_words":12,"start":3448.1301,"end":3450.95},{"sentences":[{"text":"No.","start":3451.315,"end":3451.815,"sentiment":"neutral","sentiment_score":-0.259732723236084},{"text":"We can dream.","start":3452.1,"end":3452.84,"sentiment":"neutral","sentiment_score":-0.05449366569519043},{"text":"Beautiful.","start":3454.58,"end":3455.06,"sentiment":"positive","sentiment_score":0.6416541337966919},{"text":"Thank you so much, Emma.","start":3455.06,"end":3456.26,"sentiment":"positive","sentiment_score":0.7746348977088928},{"text":"I appreciate your time today.","start":3456.26,"end":3457.3801,"sentiment":"positive","sentiment_score":0.7937682628631592}],"sentiment":"positive","sentiment_score":0.5373637477556864,"channel":0,"num_words":15,"start":3451.315,"end":3457.3801},{"sentences":[{"text":"You have a lovely day, and I'll get cracking on that research and see what I can do to help.","start":3457.3801,"end":3461.24,"sentiment":"positive","sentiment_score":0.7668123811483383}],"sentiment":"positive","sentiment_score":0.7668123811483383,"channel":0,"num_words":20,"start":3457.3801,"end":3461.24},{"sentences":[{"text":"Okay.","start":3461.7048,"end":3462.025,"sentiment":"positive","sentiment_score":0.4273642599582672},{"text":"Thank you.","start":3462.025,"end":3462.6929,"sentiment":"positive","sentiment_score":0.6048022508621216}],"sentiment":"positive","sentiment_score":0.5456562538941702,"channel":1,"num_words":3,"start":3461.7048,"end":3462.6929},{"sentences":[{"text":"Thank you.","start":3464.02,"end":3464.58,"sentiment":"positive","sentiment_score":0.5611624717712402},{"text":"Talk soon.","start":3464.58,"end":3465.1401,"sentiment":"positive","sentiment_score":0.39522483944892883},{"text":"See you later.","start":3465.1401,"end":3465.9402,"sentiment":"neutral","sentiment_score":0.33079540729522705},{"text":"Bye.","start":3465.9402,"end":3466.233,"sentiment":"neutral","sentiment_score":0.19431690871715543}],"sentiment":"positive","sentiment_score":0.38743471913039684,"channel":0,"num_words":8,"start":3464.02,"end":3466.233},{"sentences":[{"text":"Yeah.","start":3466.533,"end":3467.033,"sentiment":"neutral","sentiment_score":-0.09323766082525252}],"sentiment":"neutral","sentiment_score":-0.09323766082525252,"channel":1,"num_words":1,"start":3466.533,"end":3467.033}]},"summary":{"result":"success","short":"The representative from Oakley Financial discusses the annual review with Emily Proctor and provides advice on coverage and updating the customer's portfolio. They also discuss the benefits of a computer edge and the process for claiming TBD and adjusting coverage accordingly. The agent suggests consolidating insurance plans and updating the customer's coverage accordingly, emphasizing the importance of maintaining a portfolio and reducing risk levels. They also discuss the importance of updating income goals and the risk profile of the customer. The agent provides recommendations for reducing risk levels and adjusting risk levels, and offers a free insurance assessment and a pre assessment. The customer is given two options for their investment portfolio and offered a risk profile questionnaire and a pre assessment. The agent also discusses the customer's estate planning and the possibility of a new beneficiary."},"intents":{"segments":[{"text":"Emma, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to meet everything with that? Yep.","start_word":53,"end_word":83,"intents":[{"intent":"Record calls","confidence_score":0.021205349}]},{"text":"And just to do security there with you, so we are discussing your personal information. So I just need to confirm for me your full name, your date of birth, and address I should have on file there. Yeah.","start_word":87,"end_word":125,"intents":[{"intent":"Confirm personal information","confidence_score":0.13114506}]},{"text":"And just to do security there with you, so we are discussing your personal information. So I just need to confirm for me your full name, your date of birth, and address I should have on file there. Yeah. Emily Proctor.","start_word":87,"end_word":127,"intents":[{"intent":"Discuss personal information","confidence_score":0.0057398253}]},{"text":"Well, and I know you are busy, so I was trying to take too much of your time, but just to run through your annual review there, we do normally send through some documents for you to review as well. Are you able to access your email, sir, at the moment?","start_word":290,"end_word":340,"intents":[{"intent":"Send documents","confidence_score":0.17599547}]},{"text":"So I've got a a sign document button. Yeah.","start_word":460,"end_word":468,"intents":[{"intent":"Educate about buttons","confidence_score":0.00009809491}]},{"text":"So I'd love to provide some advice to kind of build on that, make some changes to your portfolio, and keep it working hard and long term for you. Okay? Yep.","start_word":764,"end_word":794,"intents":[{"intent":"Provide advice","confidence_score":0.45351812}]},{"text":"I'll go here with you in a second when you can see, though. It's not underneath that with your Aware super, that's a solely essentially being kept open to keep your insurances in place there.","start_word":795,"end_word":829,"intents":[{"intent":"Maintain coverage","confidence_score":0.023224995}]},{"text":"So, realistically, now if you think about that that 651,000, how much do you have owing on your main primary residence currently? About that.","start_word":1176,"end_word":1199,"intents":[{"intent":"Determine owed amount","confidence_score":0.026450722}]},{"text":"do you sort of feel about that level of cover? Does it feel like it meets your needs, or did you wanna kinda reevaluate that at all? No. That sounds good.","start_word":1295,"end_word":1325,"intents":[{"intent":"Reevaluate policy","confidence_score":0.00025803084}]},{"text":"Update those for you. Asset value in your main primary residence. You have that valued at about $7.30 last year. Would you increase or alter the value on that currently, do you think? Yeah.","start_word":1404,"end_word":1437,"intents":[{"intent":"Update assets","confidence_score":0.13708226}]},{"text":"Asset value in your main primary residence. You have that valued at about $7.30 last year. Would you increase or alter the value on that currently, do you think? Yeah.","start_word":1408,"end_word":1437,"intents":[{"intent":"Manage property value","confidence_score":0.00026608285}]},{"text":"So for BC life cover, you're sort of happy with that level of cover you have at the stable moment there. there.","start_word":1502,"end_word":1523,"intents":[{"intent":"Determine level of cover","confidence_score":0.033940364}]},{"text":"In order to meet the definition for TBD, isn't any definition that means that you must never be able to go back to work for any occupation for which you have worked, educated, or trained.","start_word":1582,"end_word":1616,"intents":[{"intent":"Determine eligibility for tbd claim","confidence_score":0.0015637004}]},{"text":"So it does mean, theoretically, before any tax consequences, you're still covered for that $651,003.61 and 68<unk>. Do you feel like at the moment that's an appropriate level of cover? Would you wanna kind of reevaluate that?","start_word":1701,"end_word":1737,"intents":[{"intent":"Evaluate coverage","confidence_score":0.046982493}]},{"text":"And what sort of what would you how would you think that money would be used if you were TBD? Sorry.","start_word":1738,"end_word":1758,"intents":[{"intent":"Assess use of money","confidence_score":0.0012540461}]},{"text":"And that's probably the toughest part because having insurance is paid out of super is good because it means you're paying those premiums out of your back pocket, but it also means that those premiums are coming out of your super contributions and the growth.","start_word":1860,"end_word":1904,"intents":[{"intent":"Address insurance concerns","confidence_score":0.0018396393}]},{"text":"I have had a couple of clients where I have gotten them wife and TDD and income protection based on being a firefighter. So there could have definitely been some changes in occupation standard.","start_word":2247,"end_word":2280,"intents":[{"intent":"Evaluate occupational standard changes","confidence_score":0.00063297345}]},{"text":"No. All good.","start_word":2663,"end_word":2665,"intents":[{"intent":"Understand","confidence_score":0.00015506739},{"intent":"Understand","confidence_score":0.33779114}]},{"text":"Would you like me to gross it up for maybe the 22 percent tax aspect?","start_word":2794,"end_word":2808,"intents":[{"intent":"Clarify","confidence_score":0.0055054217}]},{"text":"we would also provide advice to try and keep as much money invested working harder because given your age I mean, you're 42 this forty forty three this year in December, so 42 years of age now.","start_word":2916,"end_word":2952,"intents":[{"intent":"Keep money invested","confidence_score":0.28319845},{"intent":"Provide advice","confidence_score":0.032470606}]},{"text":"Did you wanna look at covering any years worth of income as well, or are you happy to looking at that as a base level of TBD?","start_word":3094,"end_word":3120,"intents":[{"intent":"Cover income","confidence_score":0.56597924}]},{"text":"And I can also look at linking life and grossing that up as well. So it might mean you have a bit more life coverage, but it can make the policy cheaper as well. So we get things like multi policy discount. So I can Oh, look yeah.","start_word":3131,"end_word":3178,"intents":[{"intent":"Link life and personal","confidence_score":0.000015783642}]},{"text":"I would say that after tax, that would be probably the minimum. Might be a little tight to yep. yeah. That you could survive on. Yeah.","start_word":3289,"end_word":3314,"intents":[{"intent":"Determine minimum income","confidence_score":0.014632014},{"intent":"Determine minimum income","confidence_score":0.041429013}]},{"text":"That's a good question, what my base wage is, because I never see my base wage. Because I get overtime. So I'm Yeah. I'm about I'm about a 130 all up. What is my base wage?","start_word":3332,"end_word":3367,"intents":[{"intent":"Ask about pay rates","confidence_score":0.00029092564}]},{"text":"I know with the other insurers out there with your occupation, some of them do have a minimum ninety day waiting period. Are you comfortable with that kind of waiting period?","start_word":3684,"end_word":3714,"intents":[{"intent":"Inquire about waiting period","confidence_score":0.028350113}]},{"text":"I know with the other insurers out there with your occupation, some of them do have a minimum ninety day waiting period. Are you comfortable with that kind of waiting period? Yeah.","start_word":3684,"end_word":3715,"intents":[{"intent":"Explain insurance benefits","confidence_score":0.000804025},{"intent":"Explain car insurance choices","confidence_score":9.51671e-7}]},{"text":"And with the two year benefit period, it just means that you can be on a claim for up to two years. So if you're on an income protection claim, and at that two year mark, still can't go back to work. It does mean that the income protection claim will stop regardless. Did you are you happy with two years to try and keep the policy cheaper, or did you wanna look at a longer benefit period?","start_word":3719,"end_word":3796,"intents":[{"intent":"Confirm understanding about benefit period","confidence_score":0.003558032},{"intent":"Confirm understanding of benefits and options","confidence_score":0.00005027931}]},{"text":"Did you are you happy with two years to try and keep the policy cheaper, or did you wanna look at a longer benefit period?","start_word":3772,"end_word":3796,"intents":[{"intent":"Explain benefits of longer policy","confidence_score":0.0026129924}]},{"text":"There are other types of insurances that you can also have that are paid outside of super, like trauma. Are you open or wanting to look at any additional covers, or are you just happy with the life of keeping in the income protection? Sorry about that.","start_word":3955,"end_word":4001,"intents":[{"intent":"Check insurance coverage","confidence_score":0.0018070147},{"intent":"Provide information on insurance coverages","confidence_score":0.0021140391}]},{"text":"You've also got in your portfolio. You had no.","start_word":4237,"end_word":4245,"intents":[{"intent":"Check portfolio status","confidence_score":0.000091465205}]},{"text":"I've got some good options there. So I'll go back and complete the research, and I'll come up with an advice document. It shows you what we're gonna look at and how it'll look for you, and then you get to take it away and have a good read of the document. Okay? Mhmm.","start_word":5174,"end_word":5227,"intents":[{"intent":"Provide research and guidance","confidence_score":4.6767383e-7}]},{"text":"Now if you go to the next page, this year, as you kinda mentioned, you've seen a lot of the ups and downs of volatility. It can make a lot of people quite nervous. While your portfolio while Benelon has kinda had an effect and obviously held your portfolio back a little bit, it still has come out with a positive return. So it is lower than where I would like to proceed for the year.","start_word":5230,"end_word":5305,"intents":[{"intent":"Acknowledge volatility and higher returns","confidence_score":0.0003454519}]},{"text":"When you think of that positive return, it's actually made your earnings and grosses in the fund of $18,407. So it is lower than where I'd like to expect. I definitely wanna alter the portfolio to keep it working harder and build on that for you, but acknowledging the fact that this year hasn't been as good a year, and the return is definitely lower than where I would like to see for you for the year as well. Yes.","start_word":5335,"end_word":5414,"intents":[{"intent":"Acknowledge decline in investment returns","confidence_score":0.0000109752955}]},{"text":"I definitely wanna alter the portfolio to keep it working harder and build on that for you, but acknowledging the fact that this year hasn't been as good a year, and the return is definitely lower than where I would like to see for you for the year as well. Yes. Okay.","start_word":5364,"end_word":5415,"intents":[{"intent":"Update portfolio","confidence_score":0.020329395},{"intent":"Acknowledge and discuss portfolio changes","confidence_score":0.0041651158}]},{"text":"Do you have any questions about the portfolio, about anything I've kinda touched on? Or no? Excellent.","start_word":5425,"end_word":5441,"intents":[{"intent":"Answer questions about portfolio","confidence_score":0.0034469916}]},{"text":"The next document along is the Vanguard index chart. I've been pretty sure we've shown you a couple of these in the past. It does kinda show you a guide as to how we how and why we invest the way we do in the market.","start_word":5442,"end_word":5487,"intents":[{"intent":"Offer investment guidance","confidence_score":0.00019651474},{"intent":"Analyze investment opportunities","confidence_score":0.00037889907}]},{"text":"What I would not wanna see is have you about, you know, five or six years out from accessing your super and still taking a higher level of risk in the market.","start_word":5603,"end_word":5634,"intents":[{"intent":"Assess risk level and benefit from investments","confidence_score":0.00092095556},{"intent":"Reduce risk level and maximize returns","confidence_score":0.0019121922},{"intent":"Adjust risk level and reduce risk","confidence_score":0.0029130324}]},{"text":"But currently, looking at where we are, nationally, housing prices have dropped in August between 0.2 to 0.9%. Areas like Melbourne and Canberra have had dropped to the it has a 1%, and Sydney has had about a 1.4% drop in the last month on housing prices.","start_word":5929,"end_word":5975,"intents":[{"intent":"Determine housing prices","confidence_score":0.0015985448}]},{"text":"It just sort of comes down to how investors feel. It's also about how the how investors understand the changes too because the changes to negative gearing and the CGT consequence is necessarily aren't all bad. It's just about understanding why you want to have an investment property. Is your investment property currently negatively geared? I take the least, sir. No.","start_word":6179,"end_word":6239,"intents":[{"intent":"Understand investor sentiment","confidence_score":0.3996964}]},{"text":"Is your investment property currently negatively geared?","start_word":6227,"end_word":6233,"intents":[{"intent":"Understand investment property","confidence_score":0.008921376}]},{"text":"And taxes aren't always a bad thing if we understand the outcome we're after.","start_word":6318,"end_word":6331,"intents":[{"intent":"Understand outcome","confidence_score":0.517649}]},{"text":"And taxes aren't always a bad thing if we understand the outcome we're after. So, you know, buying an investment property, holding it for five or ten years, letting it increase in value, then selling it off, cementing the capital gain, putting aside the tax, and looking at what you have after the gain.","start_word":6318,"end_word":6371,"intents":[{"intent":"Reduce tax","confidence_score":0.01716076}]},{"text":"So, you know, buying an investment property, holding it for five or ten years, letting it increase in value, then selling it off, cementing the capital gain, putting aside the tax, and looking at what you have after the gain.","start_word":6332,"end_word":6371,"intents":[{"intent":"Manage property value","confidence_score":0.000024616606}]},{"text":"Isn't necessarily always a bad thing, but it just comes down to what's important about holding property and why we're holding property and what we wanna achieve out of that property, to kind of work out whether it's a good idea or not and whether the cost or whether the taxation side of it is worthwhile as well.","start_word":6373,"end_word":6430,"intents":[{"intent":"Discuss holding property importance","confidence_score":0.0046011885},{"intent":"Clarify property value","confidence_score":0.00023975133},{"intent":"Clarify asset ownership","confidence_score":0.000007905232}]},{"text":"I don't really think these are going to be very heavy dips. I just think it's a slight correction in the market at the moment. That's Okay.","start_word":6532,"end_word":6558,"intents":[{"intent":"Address market correction","confidence_score":0.049901243}]},{"text":"got my Did investment that answer property your so question? the rent will If return.","start_word":6564,"end_word":6578,"intents":[{"intent":"Confirm investment plan","confidence_score":0.013722505}]},{"text":"Do you plan on kinda keeping that long term to supplement safer, or do you think you'll plan on selling that down the track? What's the sort of long term plan for it?","start_word":6599,"end_word":6631,"intents":[{"intent":"Plan long-term plan","confidence_score":0.03412602}]},{"text":"Fantastic. Excellent.","start_word":6663,"end_word":6664,"intents":[{"intent":"Conclude conversation","confidence_score":0.03416856}]},{"text":"The next document in there is the financial service guide. It just outlines everything about who we are, what we do, and how we do it. It's got a lovely, cosy photo of me in there and all my information as a licensed financial adviser and all the details on our services and fees and things like that for you.","start_word":6665,"end_word":6724,"intents":[{"intent":"Include services and fees","confidence_score":0.000023007899},{"intent":"Provide financial service guide","confidence_score":0.13125554}]},{"text":"At the moment, our ongoing service is 1.65% per annum. Moving forward, that will change to more of a a dollar figure fee.","start_word":6750,"end_word":6772,"intents":[{"intent":"Explain fee structure","confidence_score":0.047426075},{"intent":"Explain fee structure","confidence_score":0.24456207},{"intent":"Explain fee structure","confidence_score":0.48945817},{"intent":"Explain fee structure","confidence_score":0.49985865},{"intent":"Explain fee structure","confidence_score":0.4839851},{"intent":"Explain fee structure","confidence_score":0.47902894},{"intent":"Explain fee structure","confidence_score":0.4769756}]},{"text":"What would what's yeah. the fee structure going to for the over 200,000?","start_word":6919,"end_word":6931,"intents":[{"intent":"Clarify fee structure","confidence_score":0.014563439},{"intent":"Clarify fee structure","confidence_score":0.13115504}]},{"text":"The way that will work so the other thing with the old fee structure is that we always sorta had an estimate because it was set on the a percentage based fee.","start_word":7124,"end_word":7155,"intents":[{"intent":"Update fee structure","confidence_score":0.35299733}]},{"text":"Need to fix up I've my got house. your income updated.","start_word":7981,"end_word":7991,"intents":[{"intent":"Renovate and update car","confidence_score":0.00010190482}]},{"text":"Your car, your 2008 Subaru Outback, we have that valued at about 3,000 last year. What sort of value would you put on that now, do you think?","start_word":8023,"end_word":8050,"intents":[{"intent":"Assess value of car","confidence_score":0.07739839}]},{"text":"I actually don't know how much that's worth, but I'm gonna I have to look up my car's guide, wouldn't I? How Okay.","start_word":8084,"end_word":8106,"intents":[{"intent":"Check car's guide","confidence_score":0.123003446}]},{"text":"And then I also had down here that you had about 70,000 sitting in savings. Do you still have those savings? Yeah. I'm sitting at 90 at the moment, but I'm about to check a whole bunch against the home loan. So I'll probably have about 40 after that. Beautiful.","start_word":8155,"end_word":8204,"intents":[{"intent":"Calculate a future savings amount","confidence_score":3.9704286e-8}]},{"text":"And the other thing to sort of look at is we talked about your risk profile last time just before, so that you, like, growth environment and what that sort of looks like. Realistically, for your agency, if you can still be in that growth environment, did you wanna run through a new risk profile questionnaire to kind of reassess that, or do you feel fairly comfortable sitting in that kind of environment?","start_word":8339,"end_word":8411,"intents":[{"intent":"Discuss risk profile","confidence_score":0.21202746}]},{"text":"One of the questions I do like to ask just to sort of gauge whether it's worth reviewing or not is if you saw your super fall by 20% over the next one to two years, how do you think you might be feeling?","start_word":8427,"end_word":8470,"intents":[{"intent":"Assess fit","confidence_score":0.004148275}]},{"text":"So the just the three options. Is that right?","start_word":8563,"end_word":8571,"intents":[{"intent":"Discuss options","confidence_score":0.33447346}]},{"text":"Essentially, if you saw the market fall by 20% over the next one to two years, how do you think you might feel or react in that instance? Yeah.","start_word":8595,"end_word":8623,"intents":[{"intent":"Discuss market volatility","confidence_score":0.0108246915},{"intent":"Discuss reaction","confidence_score":0.011418727}]},{"text":"Well, I'll look at that growth environment there for you. I'll look at reevaluating the suit for the investments. We'll also just reevaluate the insurance levels.","start_word":8979,"end_word":9004,"intents":[{"intent":"Evaluate and evaluate investments","confidence_score":0.00027128987}]},{"text":"Before I let you go, I'll book you in for a pre assessment with my team members just to kind of go through so I can fully understand your circumstances and see what kind of contract might be offered for insurance wise, look at life, safety, and income protection for you.","start_word":9006,"end_word":9056,"intents":[{"intent":"Clarify understanding","confidence_score":0.0027252168}]},{"text":"The only other thing to sort of consider is your estate planning. You've got your Hello. beneficiary on file here. So in the event of passing, your fee fee is paid out to your legal personal representative. So it all goes through to your will. Do you have a will that outlines your wishes?","start_word":9056,"end_word":9109,"intents":[{"intent":"Explain will","confidence_score":0.007332248}]},{"text":"I don't, and I know I need one. Every time I look into Yes.","start_word":9110,"end_word":9123,"intents":[{"intent":"Inquire about will","confidence_score":0.006192608}]},{"text":"If you like, there is actually a way that it can be done a little bit easier. I know speaking to a solicitor and having those appointments can be a lot and can be difficult, But every state also has a trustee service which outlines which you can do over the phone or online. I can always email you just some information from that if you like to give you another option for doing that, if you will. Yeah.","start_word":9134,"end_word":9212,"intents":[{"intent":"Offer solutions","confidence_score":0.0001452213}]},{"text":"I can always email you just some information from that if you like to give you another option for doing that, if you will. Yeah.","start_word":9188,"end_word":9212,"intents":[{"intent":"Provide information","confidence_score":0.064090155}]},{"text":"And are you happy with your super and life insurance beneficiary being structured to be paid to your will, or did you wanna pay to anyone particular in the event of passing?","start_word":9219,"end_word":9250,"intents":[{"intent":"Update insurance","confidence_score":0.0038609437}]},{"text":"Well, thank you so much for your time.","start_word":9315,"end_word":9322,"intents":[{"intent":"Express gratitude","confidence_score":0.08926443},{"intent":"Express gratitude","confidence_score":0.082076825}]},{"text":"Is there anything else that you maybe had questions wise for me or anything you wanted me to touch on as part of your review that I haven't touched on that you might want to ask me while you've got me here at all? Nope.","start_word":9340,"end_word":9384,"intents":[{"intent":"Assist with questions","confidence_score":0.0029163135},{"intent":"Ask about questions","confidence_score":0.0063339714}]},{"text":"It should only take about five to ten minutes.","start_word":9660,"end_word":9668,"intents":[{"intent":"Schedule call","confidence_score":0.31101343}]}]},"sentiments":{"segments":[{"text":"Hello? Emma speaking. Hi, Emma. It's Dana from Oakley Financial. How are you this morning?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.15365658700466156},{"text":"Doing very well. Thank you.","start_word":15,"end_word":19,"sentiment":"positive","sentiment_score":0.5939232110977173},{"text":"I had people looking to go through your annual review this morning. Is that still a good time there for you? Yeah.","start_word":20,"end_word":41,"sentiment":"neutral","sentiment_score":0.2649080753326416},{"text":"Perfect. Oh, fantastic. How's your week been so far?","start_word":42,"end_word":50,"sentiment":"positive","sentiment_score":0.4075305163860321},{"text":"Oh, good. Emma, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy to meet everything with that? Yep. Go ahead.","start_word":51,"end_word":85,"sentiment":"neutral","sentiment_score":0.1736181676387787},{"text":"Fantastic.","start_word":86,"end_word":86,"sentiment":"positive","sentiment_score":0.5303053855895996},{"text":"And just to do security there with you, so we are discussing your personal information. So I just need to confirm for me your full name, your date of birth, and address I should have on file there. Yeah. Emily Proctor. 12/05/2009 Yep. 83 At 5 Zara Court, Frankston, Victoria.","start_word":87,"end_word":136,"sentiment":"neutral","sentiment_score":0.12363117188215256},{"text":"Beautiful.","start_word":137,"end_word":137,"sentiment":"positive","sentiment_score":0.3823562264442444},{"text":"I heard it was sunny in Victoria yesterday. How is the weather today? Yeah. It's all cloudy and trying to rain. Oh, no. Oh, you know, I'm actually going down there on most of the family holiday in a couple of weeks, and I was like, I didn't even know how to pack, but just my brother-in-law has said pack for every weather under the sun. So Yes. Yeah. It's it was sunny yesterday afternoon. Now it's windy. It's gonna rain heat tomorrow or something, or is it Saturday? Yeah. oh, you poor thing. I couldn't imagine that. Like, I mean, here in Queensland, all it's done is, like, rain on and off, but it's definitely not as bad as what you guys get down there. You seem to get a different different season every two or three hours down there or every hour. Yep. It's definitely changeable in Olin. All good. Well, and I know you are busy, so I was trying to take too much of your time, but just to run through your annual review there, we do normally send through some documents for you to review as well. Are you able to access your email, sir, at the moment? Yep. Yeah. Beautiful. I'm just gonna send an email to you there now. Your email is still at emma_cruising@hotmail.com. Is that right? Yep. That's right.","start_word":138,"end_word":365,"sentiment":"neutral","sentiment_score":0.004494528356620944},{"text":"Fantastic. I've just sent that one through to you there.","start_word":366,"end_word":375,"sentiment":"positive","sentiment_score":0.4132400751113891},{"text":"It often comes through from dana@ocfinancial and or sometimes Mhmm. it just says Odoo. Yep.","start_word":376,"end_word":390,"sentiment":"neutral","sentiment_score":0.09383584558963776},{"text":"Got that. Fantastic.","start_word":391,"end_word":393,"sentiment":"positive","sentiment_score":0.4284971356391907},{"text":"So if you open up the email, it has a button that says click here to start. I believe that's the button that says. If you click on that button, it'll, like, go through so you can see the summary of your superannuation and insurance currently. Got so I had two emails come through at the same time. Oh, you're absolutely fine. I think that's unrelated. So I've got a a sign document button. Yeah. That's the one. I'm so sorry. This is a new system, so I haven't actually seen what you see yet. I do apologize. Yeah. Yeah. I know what that's like. Because, like, I don't know what it looks like because I'm in the back end. I'm Yeah. I'm like, let's send me something to sign, but there's, like, nothing. I get a random document. I'm trying to press it, and then someone tells me they've changed or updated something and it's different to what I'm used to. And I'm like, oh, no. just going into it. I think it's loading. Yeah. You're abs you're absolutely I fine. hit a time, mate. The rain might be affecting your emails too. The edge of my computer might be affecting it. Doing weird stuff. I might try this a little bit differently. Give me a sec. Yeah. You're fine. That's better. Okay. Got it there. Perfect. Yep. I'm on page one. Excellent. So when I have a look back at your annual review last year, your balance when you have 24 then was $272,009.57. And within a West Supa there, you had about $9,778.41. So West Supa hasn't really have much of a change. There's no contributions going in there. It looks like all your contributions are going into Hub '24.","start_word":394,"end_word":686,"sentiment":"neutral","sentiment_score":-0.01084590949906424},{"text":"So you will see a a decent increase there.","start_word":687,"end_word":695,"sentiment":"positive","sentiment_score":0.5231435298919678},{"text":"But we're also seeing a little bit of growth, albeit this year, we have seen a lot of ups and downs in the market with what has been happening. And I've had a bit of a look at your portfolio because it hasn't really changed in the last couple of years, and I've sort of noticed some areas where we could update or change your portfolio for you.","start_word":696,"end_word":763,"sentiment":"neutral","sentiment_score":0.05646389722824097},{"text":"So I'd love to provide some advice to kind of build on that, make some changes to your portfolio, and keep it working hard and long term for you.","start_word":764,"end_word":792,"sentiment":"positive","sentiment_score":0.5923526883125305},{"text":"Okay? Yep. I'll go here with you in a second when you can see, though. It's not underneath that with your Aware super, that's a solely essentially being kept open to keep your insurances in place there. Your Mhmm. insurance cover within Aware is more of a it says level, but it's actually more of a group cover because it has definitely decreased. So your life cover and CPD that you had last year within AWARE was at a a sum insured of 348,600, whereas it has decreased while it's just 331,000 here. These sorts of covers do tend to decrease over time. Realistically, it's not a bad thing because, I mean, you wanna pay a little bit less. This has cost you more this year for the decrease than last year for the insurance premium, but it's also making sure that you have the level of cover that you're after as well. So when you sort of think about your life cover, if you were to pass away today and I'm sorry. It gets a little bit morbid. But if you were to pass away today, the 331,000 can be paid out to your beneficiaries, and then you've also got your super benefit paid on top of that. So currently, it's giving an approx figure of about 651,361 and 80 oh, sorry. 68<unk> as a life insurance benefit. Thinking about that level of cover, does that feel appropriate, or did you wanna kinda reassess that? And if you were to pass away today, what do you want that to cover? Who do you want it to go to? Well, let me go to my partner, my Select, please. Yep. Yep.","start_word":793,"end_word":1073,"sentiment":"neutral","sentiment_score":-0.0013702986795070757},{"text":"Beautiful. That's Scott.","start_word":1074,"end_word":1076,"sentiment":"positive","sentiment_score":0.4436436593532562},{"text":"Yes. Go Yep.","start_word":1077,"end_word":1079,"sentiment":"neutral","sentiment_score":0.2312762588262558},{"text":"Beautiful.","start_word":1080,"end_word":1080,"sentiment":"positive","sentiment_score":0.5562286376953125},{"text":"I can see here that you do have your main primary residence and a couple of investment properties there as well. Do you still have those three properties? just two properties. So I've got my my house that I live in, and then I got one apartment that's an investment. Mhmm. Okay. No. That's alright. Is that in Preston? Yep. Yeah.","start_word":1081,"end_word":1141,"sentiment":"neutral","sentiment_score":0.05188978463411331},{"text":"That's perfect.","start_word":1142,"end_word":1143,"sentiment":"positive","sentiment_score":0.4885214865207672},{"text":"I'll just delete the other one here. It looks like it might have been noted down to five from the past, so it's absolutely fine. So I'll just delete that for you. So, realistically, now if you think about that that 651,000, how much do you have owing on your main primary residence currently? About that. Yeah. About 651,000 I think so. Yeah. All up between or six the two fifty of ish. them. Like, between Yes. it doesn't probably Oh, in the house. Yeah. between the two. Yep. Yes. That's definitely fine. So, realistically, that level of cover could pay off those loans. That would mean that Scott could continue working, live debt free from the investment property, still collect income, or it could just pay off one or either of them and allow for a little bit of extra, you know, a buffer for him as well. How Yeah. do you sort of feel about that level of cover? Does it feel like it meets your needs, or did you wanna kinda reevaluate that at all? No. That sounds good. That sounds okay? Yep. Beautiful. And so you said it's about 650,000 owing between the two properties. If you broke that up to each property, how much are you owing on the main primary residence as opposed to the investment property? Sorry. You're right. Sorry. You're fine. Where am I? So the main property is, like, 400,000 on that owing. Yep. And then, like, And 200 the roughly and $2.60 on the other. yeah. That's right. Yep.","start_word":1144,"end_word":1402,"sentiment":"neutral","sentiment_score":0.05958884077067541},{"text":"Beautiful.","start_word":1403,"end_word":1403,"sentiment":"positive","sentiment_score":0.5515483617782593},{"text":"Update those for you. Asset value in your main primary residence. You have that valued at about $7.30 last year. Would you increase or alter the value on that currently, do you think? Yeah. I'd I'd up that just based on what's going like, what's selling around the the suburb. I'd probably Yeah. pay that to, like, 800. 800,000. Beautiful.","start_word":1404,"end_word":1463,"sentiment":"neutral","sentiment_score":0.04371357709169388},{"text":"Excellent.","start_word":1464,"end_word":1464,"sentiment":"positive","sentiment_score":0.3913315534591675},{"text":"And with the property in Preston, we had that valued about $4.50 last year. Would you increase that value there as well? I'd probably keep that one where it is. It's been pretty Yep.","start_word":1465,"end_word":1498,"sentiment":"neutral","sentiment_score":0.17068251967430115},{"text":"That's perfect. Excellent. So for BC life cover, you're sort of happy with that level of cover you have at the stable moment there.","start_word":1499,"end_word":1522,"sentiment":"positive","sentiment_score":0.4449564814567566},{"text":"there. Now with your PCD, your total permanent disability cover, that would be paid out as a lump sum or an income stream in the event that you were never able to go back to work again. Say you had some sort of disability, a car accident, and you were never able to go back to work again. Mhmm. In order to meet the definition for TBD, isn't any definition that means that you must never be able to go back to work for any occupation for which you have worked, educated, or trained. And if you were to claim TBD, just so you're fully aware of how TBD works, if you're under the age of 60 and you have TBD fully paid out, you can actually pay tax of up to 22% on the payout, which reduces how much you could receive after the fact, which is terrible and not fair in any way, shape, or form. But if you were to also claim on TBD, other permanent incapacity, we can also Yes. claim against your super. So it does mean, theoretically, before any tax consequences, you're still covered for that $651,003.61 and 68<unk>. Do you feel like at the moment that's an appropriate level of cover? Would you wanna kind of reevaluate that? And what sort of what would you how would you think that money would be used if you were TBD? Sorry. I asked all the questions you probably never thought of. Yeah. Pretty much. I have no Tough idea. one, isn't It is a tough one. Like, you don't really know what it? what you're gonna need in those circumstances. Absolutely. Yeah. Because I guess everything in my head is, like, you know, what what am I gonna have for retirement? So I'm thinking about, you know, way way down the track, having enough money to retire on, not Absolutely. And necessarily, that's the other like, how do I definitely. how do I fund my life while not working? Cover you. Absolutely. And that's probably the toughest part because having insurance is paid out of super is good because it means you're paying those premiums out of your back pocket, but it also means that those premiums are coming out of your super contributions and the growth. So it does have an effect long term on how much super you end up with and, you know, making sure that we can review the insurances and decrease them or alter them over time because they're not because they do increase in price. I mean, if you look at the the cover last year, as I kinda mentioned, is you had about 348,000 of life and TBD. It's decreased to 331,050, even though where. But last year, you paid a thousand and 57 for the insurance premium for the year. If this year, you're paying a thousand 117. So within the industry funds, these insurances are decreasing, but it looks like your the amount you're paying because the risk of you claiming is becoming increasingly higher over time. Mhmm. And that that also has an effect on your super. So we definitely wanna make sure we review those with you. But do you think the now CBD would be appropriate? Did you wanna have a think about it? What's your thought? I really don't know.","start_word":1523,"end_word":2080,"sentiment":"neutral","sentiment_score":-0.06338052691951875},{"text":"I mean, I feel like default is what I've currently got because I don't know any better.","start_word":2081,"end_word":2097,"sentiment":"negative","sentiment_score":-0.4106940031051636},{"text":"Yeah. Did you want me to maybe do some research? I can start by maybe going through doing a pre assessment with you, get my calls to a pre assessment, and I could have a look at maybe seeing if there's some better cover out there, looking at trying to consolidate things for you. Would that be something you'd like me to maybe do? Yeah. You can try. I've had trouble because of my job that not a lot of people wanna cover Your job. Yeah. it because, Yeah. yeah, it Absolutely. doesn't save. I can sort of see that. So you yeah. I can see you work for the state government in forestry work, so bushfire services. Is that right? Yeah. That's right. Yeah. That's okay. But that If firefighting I was aspect to is go and look.","start_word":2098,"end_word":2236,"sentiment":"neutral","sentiment_score":-0.01330943580167435},{"text":"yeah. I'm happy to do it. I think it's, yeah.","start_word":2237,"end_word":2246,"sentiment":"positive","sentiment_score":0.5276445746421814},{"text":"I have had a couple of clients where I have gotten them wife and TDD and income protection based on being a firefighter. So there could have definitely been some changes in occupation standard. I would love to, get one of my colleagues over the next couple of weeks to do a bit of a pre assessment with you, and I can go back and reassess all of that and see what I can do to put you in a better position, maybe get a level of insurance that's not gonna keep decreasing over time and see what we can do as a comparison for you and update the advice to reflect. Are you comfortable with me doing that for you? Yeah. That's fine. Yeah. I I actually think it's amusing that Yeah. they that it's changing because they think the likelihood of me claiming it is getting higher, whereas I would argue I actually do more safe stuff now than I used to. Yeah. Yeah. Yeah. I have I have that argument with an insurer the other week. You know, like, yes. You've got this risk level that you assess, but when you think about some of these high risk occupations, they actually have so many safety measures in place that it's probably safer than going to work than me going and sitting in an office. So, you know, Yeah. the the We risk we offer of you it guys a lot claiming more places than we did is ten years probably ago. lower. Yeah. Yeah. No. I I absolutely agree with that. And the insurer just looked at me and went, yeah. Look. I don't disagree with you. Oh, they're they're they're going off averages and yeah. They are. They are. And they have reinsurers. So, essentially, when the underwriters assess an application, they're also then providing the application and the information to their reinsurers. So they're insuring you for the risk of you having to claim, but then they're insuring themselves for the risk of you having to claim, and that insurance, they're insuring themselves. So it's just insurance on top of insurance on top of insurance. Every provider is reinsuring themselves for the risk of you claiming down the bottom here. It's a really interesting cycle to look at, and I was like, this is truly insane.","start_word":2247,"end_word":2637,"sentiment":"neutral","sentiment_score":0.0679845332985034},{"text":"No wonder insurance premiums cost so much.","start_word":2638,"end_word":2644,"sentiment":"negative","sentiment_score":-0.3966772258281708},{"text":"Just everyone is just insuring themselves for the for the policy. Something a bit meta. I don't know. No. All good. Well, if I do go back and and have a look at the insurance, it's going to see what I'm able to obtain.","start_word":2645,"end_word":2688,"sentiment":"neutral","sentiment_score":-0.012831954285502434},{"text":"See if I can maybe consolidate your supers and see what we can do to kind of benefit your super moving forward.","start_word":2689,"end_word":2710,"sentiment":"positive","sentiment_score":0.46286627650260925},{"text":"Did you want me to look at the same level of life and TDD, or did you just want me to maybe look at the enough to cover both the mortgages? What would you want to cover in the event of a life and or total permanent disability event that you would like me to look at for you? Well, yeah, mortgages is a minimum. If it was with permanent disability, I think there'd need to be a bit more on that Yeah. Would you like me to gross it up for maybe the 22 percent tax aspect? So in the event of a claim, we too. consider and look. Honestly, if you were to claim, we would try to keep the money invested. So a lot of people do pull all the money out as a whole, and that's where that 22 tax can really kinda get a hold of you. The tax is up to 22%. It could be less than that. It's just that we don't know because of the math calculation at the time of claim. It determines the actual taxable component. So we utilize the 22% because this is the worst case scenario that you could see. But Yes. we would also provide advice to try and keep as much money invested working harder because given your age I mean, you're 42 this forty forty three this year in December, so 42 years of age now. Do you still have seventeen years before you can access super at the age of 60. And then if you think about if you were not working, that's to the age of 60, but then there's a whole another lifetime in retirement that has to be funded and and to look after you as well.","start_word":2711,"end_word":3006,"sentiment":"neutral","sentiment_score":-0.011907588388468768},{"text":"So we would wanna try and keep as much money invested in the super system or in a way that it's maybe paying your regular income, but still making it work long term for you so that the money lasts as long as possible.","start_word":3007,"end_word":3050,"sentiment":"positive","sentiment_score":0.38547059893608093},{"text":"Does that make sense? Yes. Yes. Grossing up the TBD to a factor in the 22% tax, so maybe look at paying out both the mortgages and factor the tax component for the TBD side of Yeah. Let's do that. things? Yeah.","start_word":3051,"end_word":3092,"sentiment":"neutral","sentiment_score":0.054336778819561005},{"text":"Beautiful.","start_word":3093,"end_word":3093,"sentiment":"positive","sentiment_score":0.36319637298583984},{"text":"Did you wanna look at covering any years worth of income as well, or are you happy to looking at that as a base level of TBD? I think that is the base level. Yep.","start_word":3094,"end_word":3128,"sentiment":"neutral","sentiment_score":0.08993171900510788},{"text":"Beautiful. Fantastic. And I can also look at linking life and grossing that up as well.","start_word":3129,"end_word":3144,"sentiment":"positive","sentiment_score":0.39113613963127136},{"text":"So it might mean you have a bit more life coverage, but it can make the policy cheaper as well. So we get things like multi policy discount. So I can Oh, look yeah. at that for you. Absolutely. Yep.","start_word":3145,"end_word":3184,"sentiment":"neutral","sentiment_score":0.21874526143074036},{"text":"Beautiful.","start_word":3185,"end_word":3185,"sentiment":"positive","sentiment_score":0.4260164499282837},{"text":"And we you've also got your income protection benefit there. Now that hasn't changed. You still have the monthly benefit of 3,000 in the event of claiming. Again, income protection is a taxable payment. So if you are on an income protection claim, that monthly benefit is pretax, the same as your income. So, realistically, you're probably looking at about $252.06 as a monthly benefit. Does that feel fairly sufficient for you if you weren't able to work in the short term? Would you wanna look at some income protection that might be more sufficient for your age and age? Or Yeah. Maybe. I would say that after tax, that would be probably the minimum. Might be a little tight to yep. yeah. That you could survive on. Yeah. Income wise, I had you on a 107,000. Has it gone up since we last touched base? That's a good question, what my base wage is, because I never see my base wage. Because I get overtime. So I'm Yeah. I'm about I'm about a 130 all up. What is my base wage? That's a good question. I can remember how to look up a pay slip. That would work. Convoluted systems that we have. Yeah. I don't make it easy. Let me have a look. No. 114. 114.","start_word":3186,"end_word":3403,"sentiment":"neutral","sentiment_score":0.06239271792796774},{"text":"Beautiful. That's the base.","start_word":3404,"end_word":3407,"sentiment":"positive","sentiment_score":0.3612191677093506},{"text":"Yep. So So if I look out so, realistically, with income protection, you can be covered up to 70% of your pretax income. If we're Mhmm. working on just your pay, 114,000, that means realistically, we need to look at a, like, a gross monthly benefit of 6,650. Did you want me to look at the income protection and see if I could maybe get that for you and see what it Yeah. Just for a comparison. looks That would be good. like? Yep. Yeah. Absolutely. Well, what I'll do because there's there's some things I would like to do, you see for as well, so an alteration of some of the investments there for you to kinda keep working harder. So I can go back and do the research on the insurances. I can always make a recommendation if I can find, you know, a more appropriate cover that covers your needs. I can always make that recommendation as part of the advice and show you what that looks like. Any advice that you provide is just advice, and then you get to decide whether you wanna take that or not. Does that sound okay? Yeah. Yep. Yeah.","start_word":3408,"end_word":3606,"sentiment":"neutral","sentiment_score":0.10211526602506638},{"text":"Beautiful.","start_word":3607,"end_word":3607,"sentiment":"positive","sentiment_score":0.43599316477775574},{"text":"Now on the bottom of that, you can see with the income protection, you've got a ninety day waiting period and a two year benefit period. That essentially means that you'd have to be off work the ninety days prior to making a claim and a two year benefit period so you can be on a claim for up to two years. Okay. With your occupation, getting a lower waiting period could be very tough. I know with the other insurers out there with your occupation, some of them do have a minimum ninety day waiting period. Are you comfortable with that kind of waiting period? Yeah. I am. Yes.","start_word":3608,"end_word":3717,"sentiment":"neutral","sentiment_score":-0.0029517246240919285},{"text":"Beautiful.","start_word":3718,"end_word":3718,"sentiment":"positive","sentiment_score":0.6140914559364319},{"text":"And with the two year benefit period, it just means that you can be on a claim for up to two years. So if you're on an income protection claim, and at that two year mark, still can't go back to work. It does mean that the income protection claim will stop regardless. Did you are you happy with two years to try and keep the policy cheaper, or did you wanna look at a longer benefit period? Might be good for two years for now. Two years? Not a problem at all.","start_word":3719,"end_word":3811,"sentiment":"neutral","sentiment_score":0.06825264543294907},{"text":"Beautiful.","start_word":3812,"end_word":3812,"sentiment":"positive","sentiment_score":0.5774005651473999},{"text":"Well, I will go back and do the the research there for you. Before the end of the call, I'll just book in a time for my colleagues to go through a pre assessment with you, and Yep. then I'll go back and do the research to go out to market and see what we can find. And I can update the advice to reflect and show you what it looks like as a whole. And then it'll also have the advantages, the disadvantages, the risks involved, and any alternatives we've also considered. And then you get to decide whether you wanna take the advice or not. How does that sound? Yes.","start_word":3813,"end_word":3924,"sentiment":"neutral","sentiment_score":0.16416624188423157},{"text":"Perfect. Beautiful. Fantastic.","start_word":3925,"end_word":3927,"sentiment":"positive","sentiment_score":0.5167584419250488},{"text":"Emma, if you move to the next document for me, the next one along oh, sorry. Before you do, I just have to have to double check. There are other types of insurances that you can also have that are paid outside of super, like trauma. Are you open or wanting to look at any additional covers, or are you just happy with the life of keeping in the income protection? Sorry about that. No. No. That's fine. Yeah. No. I'm happy to go with that. Yep.","start_word":3928,"end_word":4014,"sentiment":"neutral","sentiment_score":0.030529486015439034},{"text":"Perfect.","start_word":4015,"end_word":4015,"sentiment":"positive","sentiment_score":0.3826640844345093},{"text":"Not a problem. I'll scrape that trauma and any additional personal insurance.","start_word":4016,"end_word":4027,"sentiment":"neutral","sentiment_score":0.217714324593544},{"text":"We'll just focus on what you've got and how we can make that work for you. Beautiful. Excellent.","start_word":4028,"end_word":4045,"sentiment":"positive","sentiment_score":0.3863059282302856},{"text":"Now the next page is your is your have 24 internal rate of return. So it's showing you the performance and how your investments have performed for the year. This year, we have seen a lot of ups and downs and volatility with the market there, but as of late, it has sort of smoothed out quite significantly. If you're looking at the first page there, you'll see that majority and if you look at the second last column, it's showing you how they've all performed as an internal rate of return, and most things are performing quite nicely. It's more just this Australian equity component at the very top there.","start_word":4046,"end_word":4156,"sentiment":"neutral","sentiment_score":0.11363602463189544},{"text":"So the ban along Australian equity's investment, that has some underlying issues, and it has been underperforming a little bit.","start_word":4157,"end_word":4176,"sentiment":"negative","sentiment_score":-0.4434637427330017},{"text":"I had a look at this prior to the call.","start_word":4177,"end_word":4186,"sentiment":"neutral","sentiment_score":-0.2997134327888489},{"text":"I definitely wanna look at removing that from your portfolio now.","start_word":4187,"end_word":4197,"sentiment":"negative","sentiment_score":-0.34046974778175354},{"text":"So, normally, we are a bit hesitant about making rash changes to a portfolio when there's an investment underperforming. But the way I sort of look at this is I consider that against the rest of the Australian market. You've also got in your portfolio. You had no. You don't. This is much of an older portfolio. But you've also got into the S and P 500, which is up over 9% for the year on its own, which is sort of the one, two, three, four, five, six down there. That investment has done really well, and the rest of the Australian market tends to follow along with suit of the S and P 500 and with The US market. We tend to follow suit with everything that happens. The Australian market as a whole is doing quite well at the moment. So to see this investment down pretty heavily and sort of have a look into the investment itself, and it's not got to do with the market for the ups and downs that we are seeing.","start_word":4198,"end_word":4376,"sentiment":"neutral","sentiment_score":-0.05379162356257439},{"text":"Unfortunately, the Benelon investment manager hasn't been able to do its job. It hasn't been able to outperform against the market, and they've had some underlying issues with some of the investments they're invested in.","start_word":4377,"end_word":4411,"sentiment":"negative","sentiment_score":-0.4562531113624573},{"text":"So I've made a decision to talk to you about this today, and I definitely wanna look at removing that investment now.","start_word":4412,"end_word":4433,"sentiment":"neutral","sentiment_score":-0.27812647819519043},{"text":"I do not think there is a chance it could come back, but I do not think it's gonna be for some time.","start_word":4434,"end_word":4456,"sentiment":"negative","sentiment_score":-0.4471759796142578},{"text":"And I think holding that any longer is just gonna provide.","start_word":4457,"end_word":4467,"sentiment":"neutral","sentiment_score":-0.29886409640312195},{"text":"Is not gonna sort of help your portfolio in any way, shape, or form.","start_word":4468,"end_word":4481,"sentiment":"negative","sentiment_score":-0.5886556506156921},{"text":"Mhmm. Yep. So if you're comfortable, I would love to remove that from your portfolio quickly. I'd love to replace it with something else and keep your portfolio working harder for you. Does that make sense? And do you have any questions? Yep.","start_word":4482,"end_word":4524,"sentiment":"neutral","sentiment_score":-0.03654780611395836},{"text":"Makes perfect sense. Sounds good. Yes. Perfect. Excellent.","start_word":4525,"end_word":4532,"sentiment":"positive","sentiment_score":0.49614766240119934},{"text":"Now one of the things we do wanna look at and why we sort of have to have the conversation with you before we do make these sort of changes is there are different ways to investing. Essentially, when I have a look at the way you're invested within your super fund at the moment, you are in more of oh, sorry. More of a growth kind of setting. And this is a very much an older portfolio. Something has been in for quite some time there. So it does definitely need to be updated now. Within the growth environment within a super fund, you are invested generally about 80% in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities, and then about 20% in lower risk defensive investments in cash, bonds, and fixed interest. A growth investor is looking to get strong or has a strong, preference for growth, so you that's why you take a bit more risk to have those higher growth investments. You're still happy to sort of go through the ups and downs within the market, and this sort of portfolio is tracking you're trying to obtain around about a seven to 9% on a yearly basis and compounding that forward. With the volatility, so we understand that markets go up and down within that growth environment. You can expect on a good year anywhere up to 11% above the nine and a bad year where market are down, anywhere up to 11% below the 7%. That's that's the market volatility. You can see those highs and lows around that seven to 9%. In this sort of environment, we expect a negative return of one every five years. With that investment within Van Alarm there, that's more of an actively managed fund. So you take a little bit more risk to have the active manager in there. They're trying to outperform against the market. Do you feel moving forward you would still like to have more of an active manager in your fund, or would you like me to focus on lowering the cost and put something in there more passively managed and lower risk? How would you like to see your portfolio form? Good question. I don't mind a bit of risk. It's just yeah. Obviously, Yeah. I'm aware Yeah. of the volatility that there is globally at the moment, shall we say. Yeah. So Yeah.","start_word":4533,"end_word":4939,"sentiment":"neutral","sentiment_score":-0.04908924932415421},{"text":"I'm happy happy to take your advice on this.","start_word":4940,"end_word":4948,"sentiment":"positive","sentiment_score":0.5188122391700745},{"text":"Yeah. Yep. Yeah. What what do you think is the level of Well, risk I've that you require? the growth environment definitely fits your agent age because you're essentially the same age as me. So we have the same time frame before accessing our super. What I would sort of look at and what I can look at if you're comfortable, I do have an option to replace that investment with something a bit more diversified, more of a passively managed investment. So it lowers the risk.","start_word":4949,"end_word":5035,"sentiment":"neutral","sentiment_score":0.09636364132165907},{"text":"It's also cheaper for your portfolio.","start_word":5036,"end_word":5041,"sentiment":"positive","sentiment_score":0.3806345760822296},{"text":"But I also have a portfolio where it incorporates a little bit of active management. It's only a small amount.","start_word":5042,"end_word":5061,"sentiment":"neutral","sentiment_score":0.24838054180145264},{"text":"It's still also cheaper to hold, and it's still gonna reduce the investment cost of your current fund, which means more money stays invested in your super long term.","start_word":5062,"end_word":5090,"sentiment":"positive","sentiment_score":0.3815909326076507},{"text":"Are you happy if I maybe go a happy medium for you, have a little bit of active management, but mostly index funds and low cost investments that provide greater diversification. It'll still keep you in that growth kind of environment where you are taking more risk, but it's also within the fund diversifying as much as possible to control as much of the risk as as humanly possible. Yeah. Yeah. I got what you're saying. Yeah. Sounds Yeah.","start_word":5091,"end_word":5169,"sentiment":"neutral","sentiment_score":0.21307720243930817},{"text":"good. Sounds good. Beautiful. I've got some good options there. So I'll go back and complete the research, and I'll come up with an advice document.","start_word":5170,"end_word":5195,"sentiment":"positive","sentiment_score":0.4392915964126587},{"text":"It shows you what we're gonna look at and how it'll look for you, and then you get to take it away and have a good read of the document. Okay? Mhmm.","start_word":5196,"end_word":5227,"sentiment":"neutral","sentiment_score":0.2925974726676941},{"text":"Excellent.","start_word":5228,"end_word":5228,"sentiment":"positive","sentiment_score":0.4618614912033081},{"text":"Now if you go to the next page, this year, as you kinda mentioned, you've seen a lot of the ups and downs of volatility.","start_word":5229,"end_word":5253,"sentiment":"neutral","sentiment_score":-0.12484566122293472},{"text":"It can make a lot of people quite nervous.","start_word":5254,"end_word":5262,"sentiment":"negative","sentiment_score":-0.44071125984191895},{"text":"While your portfolio while Benelon has kinda had an effect and obviously held your portfolio back a little bit, it still has come out with a positive return. So it is lower than where I would like to proceed for the year. A lot of that is because of the family long investment above that. You've returned about a 4.27% return net of fees. That's after fees.","start_word":5263,"end_word":5329,"sentiment":"neutral","sentiment_score":0.0985054448246956},{"text":"It's still a positive return.","start_word":5330,"end_word":5334,"sentiment":"positive","sentiment_score":0.5289592742919922},{"text":"When you think of that positive return, it's actually made your earnings and grosses in the fund of $18,407. So it is lower than where I'd like to expect. I definitely wanna alter the portfolio to keep it working harder and build on that for you, but acknowledging the fact that this year hasn't been as good a year, and the return is definitely lower than where I would like to see for you for the year as well. Yes. Okay.","start_word":5335,"end_word":5415,"sentiment":"neutral","sentiment_score":0.036543164402246475},{"text":"Perfect.","start_word":5416,"end_word":5416,"sentiment":"positive","sentiment_score":0.4420889914035797},{"text":"I know there's a lot to go through. Do you have any questions about the portfolio, about anything I've kinda touched on? Or no?","start_word":5417,"end_word":5440,"sentiment":"neutral","sentiment_score":0.09771043062210084},{"text":"Excellent.","start_word":5441,"end_word":5441,"sentiment":"positive","sentiment_score":0.46612969040870667},{"text":"The next document along is the Vanguard index chart. I've been pretty sure we've shown you a couple of these in the past. It does kinda show you a guide as to how we how and why we invest the way we do in the market. So looking at the side there, you've got sorry. My computer is just flashing at me. You've got your growth investment. So US shares, Australian shares, international shares, and listed property. And you can sort of see there that they do get the higher rates of return, but they are also the ones that increase in value and decrease the downtime as well. So they're the ones that fluctuate and provide volatility, which does make us quite nervous. But when we do have a good time horizon ahead of us, so anywhere over, say, six to ten years, being having more of these growth investments is where we see the higher rates of return.","start_word":5442,"end_word":5601,"sentiment":"neutral","sentiment_score":0.08319616317749023},{"text":"What I would not wanna see is have you about, you know, five or six years out from accessing your super and still taking a higher level of risk in the market.","start_word":5602,"end_word":5633,"sentiment":"negative","sentiment_score":-0.5740412473678589},{"text":"In those instances, we wanna kind of pull things back quite significantly and have more defensive investments of things like cash and bonds and fixed interest there. Throughout even in retirement, we still wanna have some growth assets, but it's about assessing your risk level and investing within the comfort level so you have a degree of growth in your portfolio, but then also some income production as well.","start_word":5634,"end_word":5702,"sentiment":"neutral","sentiment_score":0.04981944337487221},{"text":"And that's why we also get some good advantages is we wanna get income from those investments. We wanna have dividends that are being paid when it comes to bonds and fixed interest. We want income coming out of those that gets paid into your cash account and then reinvested back for compounding effect essentially.","start_word":5703,"end_word":5757,"sentiment":"positive","sentiment_score":0.482613742351532},{"text":"So that's how we sort of wanna see things. It's about adjusting the risk level as you become less comfortable with the risk you're taking realistically up until about five to six years away from accessing paper. Being in the growth environment is absolutely fine for you, but anywhere beyond that, I'd be trying to sort of coax you to reduce your risk level a little bit, trying to guide you back there. Does that make sense? Yeah. Makes sense. How's Yeah. it Beautiful. look how's it looking in, like, the the the sorry. The housing, the what do I say? Property investing in property. Just Property because I was saying market. that Yep. that that's starting to do a bit of a downturn in Australia. Yeah. Absolutely. Yeah. The housing market has had a bit of a downturn, and I believe Sydney and Melbourne were the first ones to see the downturn most recently. I'm just double checking the data. They're showing me where it's up to at the moment. But currently, looking at where we are, nationally, housing prices have dropped in August between 0.2 to 0.9%. Areas like Melbourne and Canberra have had dropped to the it has a 1%, and Sydney has had about a 1.4% drop in the last month on housing prices.","start_word":5758,"end_word":5975,"sentiment":"neutral","sentiment_score":-0.13792146742343905},{"text":"So there has definitely been a bit of a decrease with what happened and what was what came out with the new budget and the legislation changes there.","start_word":5976,"end_word":6003,"sentiment":"negative","sentiment_score":-0.3997158408164978},{"text":"Yes. But I think it just also needs to settle because people still need housing. There still is very much a high demand for housing, and people trying to get into the market for home buyers and whatnot. So I think it just needs time to settle. It just needs time to go through this cycle and then come out the other side, but we will see recovery from that downside. It's funny because over the last sort of, you know, ten to fifteen years, housing prices have basically not dropped at all. You know?","start_word":6004,"end_word":6098,"sentiment":"neutral","sentiment_score":-0.16953684389591217},{"text":"Since coming out of the DFC, housing prices have just skyrocketed bit by bit. So this kind of a fall was always gonna be inevitable.","start_word":6099,"end_word":6123,"sentiment":"negative","sentiment_score":-0.36576375365257263},{"text":"I mean, over the last five years, I've had people telling me property never dropped. And I'm like, yes. It does. It will happen. It everything drops. Everything has a cycle. It's just about waiting for that cycle to hit. So we'll go through this down point. I don't know how low it's gonna go. It just sort of comes down to how investors feel. It's also about how the how investors understand the changes too because the changes to negative gearing and the CGT consequence is necessarily aren't all bad. It's just about understanding why you want to have an investment property. Is your investment property currently negatively geared? I take the least, sir. No. That's okay. So the other thing and what I've sort of been talking to people about is whether or not they just want to hold property for negatively gearing to help, you know, reduce overall tax, or are they hoping to have it for a longer term goal? So there are still investors definitely in my area who are buying in the property, and whilst they can't negatively gear moving forward, they are buying it for capital growth. And taxes aren't always a bad thing if we understand the outcome we're after. So, you know, buying an investment property, holding it for five or ten years, letting it increase in value, then selling it off, cementing the capital gain, putting aside the tax, and looking at what you have after the gain. Isn't necessarily always a bad thing, but it just comes down to what's important about holding property and why we're holding property and what we wanna achieve out of that property, to kind of work out whether it's a good idea or not and whether the cost or whether the taxation side of it is worthwhile as well. So, yeah, bit of a dip. It's not as bad as I would have thought in all honesty, and I don't think it's gonna have a huge dip because property is still a big thing. They still want property. There's still a lot of first time buyers and people trying to get into the market. I've got a lot of mortgage broker friends who keep telling me they're still really busy. So properties are still being purchased and assessed. So I don't think Melbourne or Canberra or even Sydney, Brisbane have seen a a drop of just under 1% as as well. I don't really think these are going to be very heavy dips. I just think it's a slight correction in the market at the moment. That's Okay. all. Yeah. I must've Yeah. got my Did investment that answer property your so question? the rent will If return. So it's a yeah. Yeah. it's a another income stream. I got it. Do you plan yeah. No. That's okay. Do you plan on kinda keeping that long term to supplement safer, or do you think you'll plan on selling that down the track? What's the sort of long term plan for it? I'd I'd like to keep it. The selling it's always the the sort of plan b if I had to. So I'd I'd prefer to keep the investment. Yep. Yep.","start_word":6124,"end_word":6661,"sentiment":"neutral","sentiment_score":-0.07405093331651617},{"text":"Beautiful. Fantastic. Excellent.","start_word":6662,"end_word":6664,"sentiment":"positive","sentiment_score":0.5600608587265015},{"text":"The next document in there is the financial service guide. It just outlines everything about who we are, what we do, and how we do it. It's got a lovely, cosy photo of me in there and all my information as a licensed financial adviser and all the details on our services and fees and things like that for you. The last document attached is the essentially, the financial fee agreement for the next twelve months there. So you are an ongoing service client. At the moment, our ongoing service is 1.65% per annum. Moving forward, that will change to more of a a dollar figure fee. It'll be tiered, essentially, once your balance and your balance is over that 200,000 threshold now. But as of next year, essentially, with a with a tiered structure, when your super balance hits over that $200,000 mark, it drops down to a lower tier. And then as it increases in value, we it drops down to another tier after that after at certain point. Right now, we're not changing that. That's all gonna come into play essentially as of the next fee agreement. Right now, you're still on 1.65% per annum. It is deducted on monthly increments. It includes any additional advice that we provide in relation to super insurance and things like that. There's no implementation fees for any new advice.","start_word":6665,"end_word":6893,"sentiment":"neutral","sentiment_score":0.08507499618528971},{"text":"That's all inclusive of being an ongoing service client there.","start_word":6894,"end_word":6903,"sentiment":"positive","sentiment_score":0.4976281225681305},{"text":"Do you have any questions about the fee, how that works? Or No. That's fine. What would what's yeah. the fee structure going to for the over 200,000? Do you know what that is So yet? with this yeah. Definitely. So with the fee structure, essentially, it'll go to a balance of 200,000. The fee structure will drop to 1.375. And then once your super balance hits the 500,000, it drops down further than that. I kinda I can find it's in the financial services guide here. So it was all just, like, released the other week, and I've had to go back and find it to make sure I understand it correctly. I think I got a good time before So I hit the part tiers numbers. look. I wanna get you there as soon as I possibly can. Not gonna lie. So the tier structure was that is essentially zero to 200,000 is 1.65%. 200,000 to 500,000 is 1.375. Once your balance is over 500,000 to a million, your fee drops to 1.10%, and then balances between 1 to 2,000,000 drops to 0.82825 point 825%. So each each time your balance increases up over a t, the amount you or the amount you pay for our ongoing services drops into the next year and it works down. The way that will work so the other thing with the old fee structure is that we always sorta had an estimate because it was set on the a percentage based fee. We will actually, moving forward, work out exactly what your fee is as per a dollar figure. It will be a flat fee for the year, and so if your balance goes up, it means that fee will not change. It's kind of also gonna give you a lot more certainty around the fee. We worked it out this year that your old fee structure worked out better for you based on your current balance, so we're keeping you on the old fee structure. The new newer fee structure would be a little bit higher currently, but we'll sort of have a look at it next year and see how it works for you, and I'll show you what that looks like. But for now, we're still keeping it the same. Does that make sense? Do you have additional questions? Nope. That's fine. No.","start_word":6904,"end_word":7298,"sentiment":"neutral","sentiment_score":0.07260643414492848},{"text":"Perfect. All good.","start_word":7299,"end_word":7301,"sentiment":"positive","sentiment_score":0.3438114821910858},{"text":"We had to sort of make some changes. Our fees have never changed since we sort of opened up back in 2018, 2019. But we've had to kind of update and make some changes to the fee structure so that it's still working for you guys as a client, but also because the cost of providing advice to legislation requirements and the same as with everyone, the cost of living and cost of running a business has increased as well. So we just wanted to make sure it was working properly and make sure we're looking after everybody, but also making sure that we can, you know, do provide our professional services and also charge the fee that we need you to do that, essentially.","start_word":7302,"end_word":7426,"sentiment":"neutral","sentiment_score":0.11080574244260788},{"text":"Cool. Yeah. Easy.","start_word":7427,"end_word":7429,"sentiment":"positive","sentiment_score":0.4067459106445313},{"text":"Mhmm. That is essentially all the documents in the ongoing service or annual review path. If you can feel free to go back and have a good read through those. If you wanna stay on board with the client for the next twelve months, I will ask that you sign and return the ongoing service agreement back there for me. We will go back and do some updated advice to make sure things are working harder for you. One of the biggest things I do like to point out is that we do work on the best interest duties, so we do wanna make sure things are updated. Having a look at your portfolio, it hasn't really been touched or updated in the past couple of years.","start_word":7430,"end_word":7556,"sentiment":"neutral","sentiment_score":0.22872920803667057},{"text":"So it is definitely worth updating now. I'll reassess all those things for you to make sure that you're on track, that things are working harder, and I'll look at the insurances as well as the super the investment portfolio and see how we can lower fees, keep more money invested in your future working harder for you, but also boost your balance and make it as you know, get you as much as we possibly can over the next seventeen years towards your goals there.","start_word":7557,"end_word":7642,"sentiment":"positive","sentiment_score":0.4418119490146637},{"text":"How does that sound? Yeah.","start_word":7643,"end_word":7647,"sentiment":"neutral","sentiment_score":0.20027336478233335},{"text":"Sounds good.","start_word":7648,"end_word":7649,"sentiment":"positive","sentiment_score":0.5089967250823975},{"text":"I time flies. I just thought I've done it last year. No. That's okay. The only other thing to sort of check on is just around your goals with regard to super there. You having a look back, we were sort of talking about, I think, age 60 to 65 depending on how you felt at the time. Do you think, realistically, you wanna stop working at age 60, or do you think you'd work a little bit longer? What is your goal for accessing super now? Oh, I'd love to stop working right now, but that's not gonna happen. I I'm just going with 65 because that's probably 60 realistic. five. Yep. That's okay. That's not a problem at all.","start_word":7650,"end_word":7770,"sentiment":"neutral","sentiment_score":-0.0026428031269460917},{"text":"Beautiful.","start_word":7771,"end_word":7771,"sentiment":"positive","sentiment_score":0.5341671109199524},{"text":"I it's a bit probably early to really assess income, and I know over the past couple of years, I've just talked about goals. I've asked about income goals. But do you know roughly what you might like to live on in retirement? If you don't, that's okay. That's something I do assess when you actually get to retirement. Yeah. I'm not sure. I'm hoping to assume that I've got no mortgage by then, so it would be just covering standard Yeah. Yeah. stuff. But also, yeah, hoping to have that investment property too. So I'd still be looking at, you know, driver fees and land tax and all that sort of stuff. Yeah. Absolutely. Absolutely. And maybe having that income cover investment property to supplement your super so that you draw less out income wise. Is that kind Fun of part of your goal? stuff. Or Yeah. Yeah.","start_word":7772,"end_word":7920,"sentiment":"neutral","sentiment_score":0.10796399344533882},{"text":"We I would like us to have that income stream.","start_word":7921,"end_word":7930,"sentiment":"positive","sentiment_score":0.3968237638473511},{"text":"yep.","start_word":7931,"end_word":7931,"sentiment":"neutral","sentiment_score":0.2083689421415329},{"text":"Beautiful.","start_word":7932,"end_word":7932,"sentiment":"positive","sentiment_score":0.6366301774978638},{"text":"Do you plan on buying any more investment properties down the track, or is this one kind of what you're happy with for the time being? I'm happy with just the one at the moment. Yeah. I don't have any plans there. Yes. No. That's okay. That's fine. Need to fix up I've my got house. your income updated. Absolutely. I did some renovations on mine.","start_word":7933,"end_word":7998,"sentiment":"neutral","sentiment_score":0.09029216319322586},{"text":"I'm quite happy to stop for a minute.","start_word":7999,"end_word":8006,"sentiment":"positive","sentiment_score":0.4040029048919678},{"text":"The other thing to sort of look at is just the other assets I have here. Your car, your 2008 Subaru Outback, we have that valued at about 3,000 last year. What sort of value would you put on that now, do you think? Well, I'm just in the process of changing that over. So I will have a 2015 Subaru Outback. Wow. I'm just Nice. doing the rego changeover to my dad's old car. So Yep. I actually don't know how much that's worth, but I'm gonna I have to look up my car's guide, wouldn't I? How Okay. much is it worth to you if you had to sell it? What would you want for, do you think? Just I'm googling it. There you go. Australian market currently valued between 1,600 and 19,000 depending on condition and trim. I'll check-in the middle there, 15,000. Beautiful.","start_word":8007,"end_word":8153,"sentiment":"neutral","sentiment_score":0.05732613801956177},{"text":"Excellent.","start_word":8154,"end_word":8154,"sentiment":"positive","sentiment_score":0.3866969347000122},{"text":"And then I also had down here that you had about 70,000 sitting in savings. Do you still have those savings? Yeah. I'm sitting at 90 at the moment, but I'm about to check a whole bunch against the home loan. So I'll probably have about 40 after that. Beautiful. Update that. So we'll say about 40. And is that extra 50,000 going on the home loan or just sitting in an offset account? It's gonna, yeah, go against the home loan. So and then the leftover So that'll 40 be isn't on the off main primary yep. That's okay. So that'll be in the offset account. And so that 50,000 will drop essentially the main primary residence rate. down to about $3.50 owing? Yeah. That's that's the That's okay.","start_word":8155,"end_word":8284,"sentiment":"neutral","sentiment_score":0.04234407541270439},{"text":"Perfect. I plan. like that.","start_word":8285,"end_word":8289,"sentiment":"positive","sentiment_score":0.6143108606338501},{"text":"I'm trying to knock that nondeductible debt down. Anyone is there any other assets or liabilities or anything else that you sort of want Don't us those chickens to count? note down at all? No. I mean, they cost money. No. I think that's probably it. No. That's okay. And the other thing to sort of look at is we talked about your risk profile last time just before, so that you, like, growth environment and what that sort of looks like. Realistically, for your agency, if you can still be in that growth environment, did you wanna run through a new risk profile questionnaire to kind of reassess that, or do you feel fairly comfortable sitting in that kind of environment? I'm pretty okay with, yeah, where we're we're at at the moment. Yep. That's okay. One of the questions I do like to ask just to sort of gauge whether it's worth reviewing or not is if you saw your super fall by 20% over the next one to two years, how do you think you might be feeling? Do you see it as a buying opportunity, maybe wanting to put some more money into the market, take advantage of that downtime? Are you a bit cautious, maybe hold and wait, you know, speak to us if it wasted us to do? Or are you feeling very nervous about that fit in the market and maybe wanting to sell your investments to cash? How do you think you might react in that instance? So well, could you just say the example again? I think I've missed a bit. Yeah. You're right. So the just the three options. Is that right? Sorry. Did you want me to rerun the Oh, entire thing for you? yeah. The beginning. Sorry. Yeah. No. That's okay. You're fine. Essentially, if you saw the market fall by 20% over the next one to two years, how do you think you might feel or react in that instance? Yeah. I'd probably be in the middle Yes. So maybe hold and wait, call us, do what we suggest you do and have that conversation. option. Yeah. Yep. Yep. That's okay. The other question I do like to ask is about the level of risk. So how do you think you feel about risk? Are you happy at taking on a higher level of risk in the market to get greater potential returns knowing that there is a downside that coincides with it? Are you probably in the middle, more medium or moderate, happy to take on, you know, a medium amount of risk to get the greatest returns possible, or are you not wanting to take any risk in the market knowing the returns are a bit lower because of that? Where do you think you might fit with the risk profile? Yeah. I sort of like to think I'd be between the first option and the second option. Probably, you Yep. know, to give you an answer, I'll say the the the second option. But I'd sort of, like, put myself Yeah. on the 72% scale, shall we In say? the middle? Yeah. That's absolutely fine.","start_word":8290,"end_word":8820,"sentiment":"neutral","sentiment_score":-0.013327428456325709},{"text":"That's absolutely fine. So I've kind of marked you in the middle there, which is great.","start_word":8821,"end_word":8836,"sentiment":"positive","sentiment_score":0.4149625301361084},{"text":"When you sort of think about risk out of a number between one and five, having that growth environment, you're sitting about Yeah. a three. So Okay. five being the highest level of risk, all sitting in, say, shares and equities or one all being sitting in cash. So you're kind of middle of the range there. You do have Mhmm. that eighty twenty split. It does suit someone who's got at least six years before accessing their money, so it does suit your time horizon. You do have capacity whilst you're working to withstand the downtime, but, understandably, it can make you a little bit nervous in those downtimes as well. But you can stay in that environment. It does still suit, you know, where you're at at the moment if you're comfortable with that.","start_word":8837,"end_word":8972,"sentiment":"neutral","sentiment_score":0.03832434490323067},{"text":"Yeah. That sounds good. Yeah. Beautiful.","start_word":8973,"end_word":8978,"sentiment":"positive","sentiment_score":0.5856196880340576},{"text":"Well, I'll look at that growth environment there for you. I'll look at reevaluating the suit for the investments. We'll also just reevaluate the insurance levels. Before I let you go, I'll book you in for a pre assessment with my team members just to kind of go through so I can fully understand your circumstances and see what kind of contract might be offered for insurance wise, look at life, safety, and income protection for you. The only other thing to sort of consider is your estate planning. You've got your Hello. beneficiary on file here. So in the event of passing, your fee fee is paid out to your legal personal representative. So it all goes through to your will. Do you have a will that outlines your wishes? I don't, and I know I need one. Every time I look into Yes. it, it's let's just say it's a bit dizzying. Yeah. If you like, there is actually a way that it can be done a little bit easier. I know speaking to a solicitor and having those appointments can be a lot and can be difficult, But every state also has a trustee service which outlines which you can do over the phone or online. I can always email you just some information from that if you like to give you another option for doing that, if you will. Yeah.","start_word":8979,"end_word":9212,"sentiment":"neutral","sentiment_score":0.03134453627798292},{"text":"That'd be good.","start_word":9213,"end_word":9215,"sentiment":"positive","sentiment_score":0.3573863208293915},{"text":"Yep.","start_word":9216,"end_word":9216,"sentiment":"neutral","sentiment_score":0.3108329176902771},{"text":"Perfect. Excellent.","start_word":9217,"end_word":9218,"sentiment":"positive","sentiment_score":0.6196839809417725},{"text":"And are you happy with your super and life insurance beneficiary being structured to be paid to your will, or did you wanna pay to anyone particular in the event of passing? Well, until I have a will, I probably I would say go to my partner. Yep. Did you want us to have that updated? It's and I can include that in the advice to reflect to make sure that everything is paid directly to him in the event of passing. Yes, please. Yes.","start_word":9219,"end_word":9303,"sentiment":"neutral","sentiment_score":0.10897757112979888},{"text":"Beautiful. Fantastic. I can update that.","start_word":9304,"end_word":9309,"sentiment":"positive","sentiment_score":0.606897234916687},{"text":"Not a problem at all.","start_word":9310,"end_word":9314,"sentiment":"neutral","sentiment_score":0.32016605138778687},{"text":"Well, thank you so much for your time.","start_word":9315,"end_word":9322,"sentiment":"positive","sentiment_score":0.4341315329074859},{"text":"That is essentially everything I need to go through, and I'm so sorry. It is a lot. Is there anything else that you maybe had questions wise for me or anything you wanted me to touch on as part of your review that I haven't touched on that you might want to ask me while you've got me here at all? Nope. I think I'm good.","start_word":9323,"end_word":9388,"sentiment":"neutral","sentiment_score":0.03876134008169174},{"text":"Beautiful.","start_word":9389,"end_word":9389,"sentiment":"positive","sentiment_score":0.6131469011306763},{"text":"Is there any other goals that you had noted down or wanted to sort of note down down the track that you might like us to look at? Or Not really. Like I said, I'm just trying to make sure I got enough money to do some renovation going forward Yeah. and Renovation. yeah. Yeah. No. Absolutely.","start_word":9390,"end_word":9446,"sentiment":"neutral","sentiment_score":0.019588623195886612},{"text":"Well, look, thank you so much for your time today. It's been an absolute pleasure.","start_word":9447,"end_word":9461,"sentiment":"positive","sentiment_score":0.7162879109382629},{"text":"I'm sorry it took a bit longer than I had expected, but there's a lot of things I sort of thought that I wanted to talk to you about.","start_word":9462,"end_word":9490,"sentiment":"neutral","sentiment_score":0.15198013186454773},{"text":"There's definitely some advice I can provide moving forward, and I wanna make sure that your retirement is the best it can be. So I'll work on some advice and update things for you. In the meantime, if you can find that and review drops and grab them and send them back to me, that'd be fabulous.","start_word":9491,"end_word":9547,"sentiment":"positive","sentiment_score":0.4649728536605835},{"text":"I'll also send out that email with some information on the state trustee for you and the will services they provide. And then if you do have additional questions, you're welcome to let me know at any time. You also then have my direct email address to Emma. Okay. Yep.","start_word":9548,"end_word":9597,"sentiment":"neutral","sentiment_score":0.2102246135473251},{"text":"Beautiful. Thank you so much for your time. I really appreciate it. I'll get cracking on that advice.","start_word":9598,"end_word":9615,"sentiment":"positive","sentiment_score":0.7690797448158264},{"text":"Before I let you go, let's we'll get a quick pre assessment with my colleagues there. Is there a day or time maybe next week or the week after that would suit for them to give you a quick call and run through that? It should only take about five to ten minutes. Yeah. Friday is usually my best day. Yep. That's okay. Sorry. Probably today. It's September. If I get someone to give you a call, even tomorrow, would tomorrow work for you? Yep. I just yeah. No. I don't have anything If tomorrow. not, I could do it. No. That's okay. Our office is generally open until about, say, 02:00. Our last appointment's closed at one. What time would be best for someone to give you a call? All day is good, so whatever suits. Okay. Perfect. What if I make it 09:00 in the morning?","start_word":9616,"end_word":9763,"sentiment":"neutral","sentiment_score":0.050979964435100555},{"text":"That way they can get to the free assessment and leave you to enjoy the rest of your day.","start_word":9764,"end_word":9782,"sentiment":"positive","sentiment_score":0.4565146565437317},{"text":"Does that work okay? Yeah.","start_word":9783,"end_word":9787,"sentiment":"neutral","sentiment_score":0.26471349596977234},{"text":"That works. Beautiful. Awesome. Thank you so much.","start_word":9788,"end_word":9795,"sentiment":"positive","sentiment_score":0.7369973659515381},{"text":"So my colleague, Samantha, she's my admin team member. She'll give you a call, run through that with you at 9AM tomorrow morning. And then in the meantime, I'll get stuck into the research, and I'll get her to rebook your presentation after that as well so you've got an idea of when that will be in the next couple of weeks for you. Okay? Okay.","start_word":9796,"end_word":9861,"sentiment":"neutral","sentiment_score":0.19958312809467316},{"text":"I'm good. Thank you so much for your time. I hope you have a good day.","start_word":9862,"end_word":9877,"sentiment":"positive","sentiment_score":0.6666172742843628},{"text":"Are you working the rest of the day? Do you have to stay off? Oh, no. I'm working, and I'm now watching it rain. Well oh, no. It happened. At least it's a working day. Hopefully, the weekend or when your office is nice and sunny for you. Yeah. I don't think that's gonna happen, but we can only hope. No. We can dream.","start_word":9878,"end_word":9941,"sentiment":"neutral","sentiment_score":-0.002472960390150547},{"text":"Beautiful. Thank you so much, Emma. I appreciate your time today. You have a lovely day, and I'll get cracking on that research and see what I can do to help. Okay. Thank you. Thank you. Talk soon.","start_word":9942,"end_word":9979,"sentiment":"positive","sentiment_score":0.7110944390296936},{"text":"See you later. Bye. Yeah.","start_word":9980,"end_word":9984,"sentiment":"neutral","sentiment_score":0.2405499666929245}],"average":{"sentiment":"neutral","sentiment_score":0.05000014237873983}}}}