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Is now still a good time there for you? That's that's okay. I had you pulled in to go through your annual review. Is now a good time there for you? Yeah? All good. Not a problem at all. Just while you're sort of getting yourself sorted there, I will let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Beautiful. And just as a security day with you as well, I wanna make sure we are very security conscious here. So I'll just get you to confirm your full name, date of birth, and address I should have on file. Yep. Yep. Fantastic. Thank you so much for that. And how's your day been? I bet it is. Look, I'm pretty lucky. I work in an air conditioned office, but I bet when I walk outside this afternoon, it's gonna hit me. So I I bet. I bet. So I'm really actually actually quite excited to get to know you. No. We haven't spoken before, but I do work very closely with Maddie there. She did let me know just before the call that you wanted to sort of have a bit of a chat about the insurance. Is there anything else that you would sort of like me to touch base on with part of your annual review? Yeah. Yep. Yep. That's okay. That's absolutely not a problem. So you did mention that you were looking at maybe increasing your current trauma policy, but you wanted to hold off on that now. Is that right? Is there any particular reason you're not wanting to maybe increase it? Or I'm Yeah. Yeah. Yeah. Yep. Absolutely. Yeah. Absolutely. Well, congratulations on on having another baby. When are they when is it due? Wow. That's exciting. That'll be a big change from one to two. Oh, no. That is very exciting for you. Congratulations. I hope you get some downtime to enjoy the new bub when they come. Yeah. Absolutely. Oh, cool. We can absolutely look at child cover there for you. It's not a problem. Now having a look at the circumstances here, I've got down here that your current child, he is almost two. Is that right? Yeah. Perfect. So in order to be able to get child cover, the child does need to be two. However, with there's nothing wrong with recommending it prior, and then we just go through the app the application when they turn two or when they're close to the age of two, which is not a problem at all. If you like, having a think about the sort of child cover you have now, the generally, it starts around 50,000. Is there an amount you would like to be covered for, or are you just sort of wanting to find something that's been in your budget? Yep. Yep. Perfect. Excellent. Not a problem at all. I'll have a look at one pass. But are you open to me going out there and having a look at other providers if there is a benefit to doing so, if it's gonna be maybe cheaper for you and provide a little bit of a, you know, not so hard on your budget? Yeah. Yeah. Yep. Oh, perfect. No. Absolutely. You have us. If you have to claim, you come to us, and we do all the hard work for you. So it's not a problem at all. Excellent. Not a problem at all. Well, I'll have a look at one path and see what it looks like, see if we can link it together and how we can make it cost effective, but I'll also look at other providers out there. Part of my job is looking at the cost of the product, but also making sure the product is important to you and that you can claim on it. So I do go back, and I have personally do have a look at all the PDFs. I have a look at what the trauma conditions are that can be covered and also which providers may have additional covers or allow to, you know I'm sorry. Allow to claim on earlier conditions as well. Because the main ones for a child trauma policy are and the biggest ones are definitely cancer, so child cancer, but they do also cover blindness, you know, losing a limb. It's all very much major conditions that can occur. So we wanna make sure because trauma is it's probably one of the least likely ones that you're gonna claim on. So we wanna make sure that it's in the event of a claim that you can claim for as many things as you possibly can. Okay? Yep. Beautiful. And I'll look at a 100,000 there for you. It's not a problem at all. When I do look up, his child child trauma policies are great because the longer you hold the policy, admittedly, it does get more expensive over time as with all insurances. But when your child generally turns a certain age, some providers, it's 15, 16, some providers, it can be age 20. It actually converts into an adult life policy for the child. And because they've had it for such a long time, there's really no underwriting, and they often have no exclusions or loadings on those policies. So it can provide that benefit for them as well. Yeah. Yep. Yes. Yes. Yeah. Absolutely. And I've got all the details here. So I can see here that on your policies at the moment, on your TPD, you do have a mental health exclusion, which basically notes here that you're unable to claim for mental health or for any illness or injury that is a result of the mental health. With a mental health exclusion, just in case no one has kind of mentioned it to you, as long as you are without any medication or symptoms for around about five to six years, we can often have that reviewed. Some insurers do like do allow us to review it at around about three to four years as well. So, we will just keep up to date with you and see how things are going, and you can sort of let us know how comfortable you are with the information you're providing. And, you know, with mental health, it is it can be very hard to disclose the information. So when you are comfortable to do so, you just let us know what's happening, and we can definitely look to review that for you. Okay? Yep. Perfect. Look. I'm honestly very open with mine as well, Tyler. So I have insurance policies, and I also have a mental health exclusion on my policy as well. So I've had depression in the past, so it's one of those things. Yeah. It does. It does. Yeah. No. Absolutely. So we'll definitely keep informed with you and see how things are going, and we'll definitely look to review that on the track, but a mental health exclusion is one of those ones that can be removed, which is really good to know. And then I've also got here that we've got the right shoulder exclusion on the TPD and the income protection policy there again. So, again, just any illness or injury in relation to the right shoulder. If there is anything else so, generally, say, if you had a car accident or something had happened to you and you still had a an injury on the right shoulder, we would still try to claim against that because, obviously, the it's not not caused by your previous illness or injury. But when the assessors gonna look at that, they're gonna look at whether is it linked or can it be linked in any way, shape, or form, or would say somebody else have claimed for the same thing if they've had a car accident. So it doesn't stop us from trying to make the claim. It's just how the assessors will assess that for you if that helps. Okay? Yeah. Beautiful. Now while I do have you here, it's important as part of our review process that we do review your insurance levels as well. So at the moment, you've got your life and TPD and your income protection policy. They're paid out of super. Your current life insured, you've got and so TPD cover, you're covered for a million dollars even. When we look at because your balance in Super as of today sorry. I'm just also pulling this up. My computer's a little bit slow for the afternoon. Your balance your balance inside Super is about 82,335. So I do apologize. These conversations get a little bit more, but but in the event of passing with claiming on the last cover, the million dollars is paid out to your beneficiaries, but then also see your super balance there. So you get that $11,082,335 given your circumstances there. Is that is that giving you enough cover? Is that sort of meeting your goal? Are you wanting to review that level at the moment? Do you feel pretty comfortable with that level of cover? Yeah. Yep. Yep. Beautiful. And in the event of passing, I can see here that you do have your home and your mortgage owing at the moment. Are you sort of wanting the the funds to be paid to your your partner so you can have the mortgage cleared and then provide additional income and support for your family? Is that Yep. Yeah. Yeah. Perfect. Excellent. Now the next thing we have here is your TBD cover, and I can see with your TBD cover, again, you've got a million dollars in cover. Now one of the things I do like to be honest and open about is that TBD, if in the event of claiming, is a taxable payment. So, unfortunately, there is tax deducted out of that. With they see us coming in all areas, don't they? So with the TBD, if you were to claim on TBD again, your super is released because you can release super under the permanent incapacity. With the tax on TBD, essentially, the tax would be on the full amount. So your TBD is released to your super, and then the full amount is taxed. It can be up to 22%. If in the event of you having to make a claim on TBD, we would do advise and help you to minimize the tax payable. But I like to kinda give you worst case scenario to make sure that we're open and honest with you. But, essentially, the tax on TBD payments can be up to 22%, and that's tax is always deducted out until you reach the age of 60. So it's any claim up until the age of 60. Given the level of cover you have at the moment for your super balance and your TBD, the estimated tax on that would be about $238,000. So you'd receive your benefit minus that $2.38. That would still realistically clear your mortgage and provide additional support to yourself and your family knowing that that can be reduced down the future, are you still comfortable with that level of PPD you have at the moment? Yeah. I know. Yeah. Well, it all it all happens automatically. So when you kind of when you get your TBD payout, the tax is sort of withheld from the Superfund and it kinda goes to the ATO that way. So then when you go to either your tax return, that payment is already sitting on your myGov account. They already know about it. So it's it's not fun. I personally disagree with that. I do not think if your TBD, you've gone yeah. Some sort of disability that stopped you from going back to work, you should not not be disadvantaged and taxed under that. But, yeah, it's what it is. That's that's exactly right. But now look. I just like to make sure I'm open and honest and that I'm providing you with the information that you need to make these informed decisions. In saying that, as I mentioned before, we've if you had a claim on TBD, we've helped you to the claim, and then we will also help you to provide advice to help mitigate or reduce the amount of tax as much as possible. Okay? Yep. Perfect. Perfect. So we're happy with this to leave the life on TPD for the moment. If you ever have any questions about either of those covers or wanted to review any of those at any time, you are welcome to let me know, and I'll make time to go through it in more detail with you as well. Okay? Yep. Perfect. Now with the income protection side of things here, I can see that you have a monthly benefit amount of 5,414. Again, if you were on an income protection claim, the monthly benefit is taxed the same as your current income is. Income protection is taxable again. Your income I had noted here was sorry. Just running up the screen a bit. I had you on about 92,820. Have you had any kind of pay increases since we last caught up? 99,000 400? Okay. Perfect. So if I look at that now with income protection, you can be covered for up to 70% of your current income amount. So based on the change of your income, you are slightly underinsured there a little bit. We would need to if you wanted to be covered for the 70%, be looking to increase that monthly benefit to 5,798. You are only just underinsured a little bit. So did you wanna look at maybe increasing that, or are you comfortable with the level you have at the moment? Yeah. Okay. Perfect. Beautiful. And do you have much in the way of long sir sorry. Long service leave or sick leave or any annual leave available to you as well? Yep. Yep. Yep. Perfect. To fall back on. Beautiful. Excellent. So with the income protection policy here, you just have a thirty day waiting period. That essentially means you just have to be off work for thirty days prior to making a claim. What we'd sorta ask is as soon as something happens to you that requires you to be off work, let us know because then we can let the insurer know that the thirty days has started. So once that thirty days is almost completed, we can send the claim information off. And that way, it kinda helps to get the claim moving a bit faster for you. Okay? And you've got this six year benefit period, so you can be on a claim for up to six years at that six year mark if you still can't go back to work. The claim does essentially stop the income protection, but at that point, we'd be looking to try and claim on CBD or looking at what else we can do to help you out there. Okay. Yeah. Yeah. Beautiful. Do you have any questions around any of those insurances, anything that we've kinda gone through so far, or is everything all good with those? Yep. Yep. Perfect. Perfect. Now you've also got your out of pocket trauma, which is the 100,000. You have made mention you're happy with that level, not wanting to look at that now. But if you do in the future, let me know. I'm more than happy to sort of re revisit that for you. Okay? Excellent. And you do have a bit of life cover linked to the trauma, which is a great way of structuring it for two reasons. It gives you that multi policy discounts that can make the trauma policy slightly cheaper for you, which is good. But it also means in the event of passing, with policies of life cover held outside of Super, you get access to a funeral benefit, which you don't actually get access to for policies held inside Super. So it means that if in the event you would have passed away, your family can access that funeral benefit. And with one pass, they can actually get access to it's up to $25,000, and all they need to do is provide your the death certificate, and that money is paid upfront for them to help cover the cost of your funeral. So that's a really great benefit that comes with that life policy as well. Absolutely. You could go a bit more fancy. You could have a singer. You you can do whatever you want. You can make sure that money is that 25,000 is fully used for your funeral and have all the bells and whistles. Absolutely. And that kinda comes into the next side of the conversation. There is the estate planning side. So have you guys drawn up a will, or have you seen a solicitor to draw a will? I know it said last year that was on the to do list. Mhmm. Yep. Yep. Yep. No. That's okay. Perfect. It is definitely one of those things to look at. I can see you've got your beneficiary nomination set up on your and your life cover, which is great. That essentially means that in the event of passing, a 100% of the benefits are paid to Rhiannon, to your spouse, which is great. That means she can cover the mortgage and take a bit of time, downtime to look after the kids and, you know, provide additional support to family there, which is a benefit. But there's also all those other assets outside of Super to any savings and things like that. And it will not only use to see yourself, but it's also for your partner as well. So making sure that in the event that something happens to both of you, that you have a guardian chosen, someone that you can trust to look after your kids in the event of something happening to both of you. It also incorporates a power of attorney to making sure that if you're incapacitated and are unable to make decisions, that you have appointed an attorney who can act on your behalf and that it stipulates what you want them to do or how they how you want them to act in the event that you're unable to make decisions for yourself. And an enduring power of attorney is the best one to have. It generally gives them, you know, a whole overlay for medical and financial power of attorney. So those are definitely worth doing. I always think having a will drawn up is more an investment in yourself and your family, making sure to protect those, you know, those that you love the most. So, yeah. Perfect. Did you want us to email through some details and maybe a bit of a costing of a solicitor that we can refer you to? There's no obligation to use, and it can just be a bit of a talking point for you. Yeah? Yep. That's okay. It's never an easy conversation to have, but it is definitely one that's really important. And sometimes it can be really rewarding to to have that conversation. I know with my husband sorry. With my husband, he is not from here. He's actually from Yonge in in sort of well, Midwestern New South Wales. And his family always thought he would wanna be sent down there after passing, but we've kind of had that conversation and talked and have asked him what he wants. And it kind of brought home and made him think about what he actually wants to happen, you know, if and when he was to pass away. So it can be kind of a good conversation to have and allows you to think about what what you want, what is important to you, and what you want to happen. So yeah. Yeah. Absolutely. The most important thing in the world. Isn't it amazing becoming a parent? You you think you can never love anyone like the person you've just created, and they do all sorts of crazy things to make you laugh, cry, can be the most stressful job in the world, but it is the most rewarding at the same time. Yeah. Yeah. Absolutely. No. Perfect. That'll be fantastic. And the couple more weeks, and you'll have another one, and that'll be amazing. I'm sure your little boy is gonna be a great big brother. That's it. Yep. Sharing that love around. Beautiful. No. That'll be amazing. Well, for the time being, I'll have a look at the the one child trauma policy for you for the sum of a 100 thousand dollars there. Just so I have the details to make sure it is correct, can I grab your son's date of birth? Yep. Perfect. Excellent. Excellent. And I'm just checking what else I have on here. I don't actually have his name. I'm so sorry. What is his name as well? Wow. Beautiful. Oscar William Follett. And it's o s c a r. Is that spelled correctly? Yes. Perfect. Beautiful. And, look, the new name for your beautiful new son is beautiful. I will keep that a secret if it's not meant to be out there. Don't worry. Oh, that's okay. Wait till they come. I get my three kids mixed up all the time. Yeah. Yeah. No. Understandable. Oh, there's so many more fun times like that to come, but that's beautiful. I love that name. It is fantastic. All good. The next thing is to give you a bit of an update. So part of the review is just sort of letting you know what's happening with your Superdesk. So as I kinda mentioned before, your balance is up. You're up too sorry. Balance is gone again on me. It's 82,335. I did have a look back. So when you came what originally, a bit over twelve months ago now, your balance that we rolled in was about 73,600 and 86. So you have seen a bit of growth there, which is good. Contributions are still going in, which is also sorta helping with that. When I look at your portfolio as a whole, I've gone through and done a little bit of digging to see exactly what's been going on with it as well because, admittedly, the growth is a little bit slower for the first year than what we would normally like. Yeah. When we have a look at the individual investments as a whole, we've got you know, you've got some well, we've got some S and P 500, which is doing quite well. From inception, it's up about 5.14%. This is sort of just over the full year. You've got your Global Healthcare again. It's up by 0.26, so a bit low for where I wanna see it. Your physical gold is doing very well. It's up over 56.93, and then you've got your Australian shares component, which is the Raffy. And that one there is up over 17.83%. So they are doing really well. I would like to see your S and P 500 slightly higher, and your Global Healthcare is a lot lower for where we'd sort of expect that. You've also got some, JPMorgan in there, which is giving you a bit of active management, and that's a globalized sort of investment. So they don't have any particular thematic or theme with their investing in. It's just whatever is coming up and and out there and trying to, you know, get the best returns they possibly can within that fund. That is up over 7.59% since coming on board. So that, again, is quite good. That is up. That's sort of where we'd like to expect to see your portfolio as a whole when you're in the sort of growth to high growth area that you that you are. I'm just double checking. Yeah. So you're at a high growth portfolio. So that generally encompasses anywhere between sort of nine to 11% returns on an average basis. For a whole, up until about November, your portfolio was almost a 5% of a return. As of November, your other investments been along I don't know if anyone's have made mention or if you've seen in the news, but you have the Benelon Australian equities in there that was recommended. Benelon, over the last few years, has seen great returns. They have been a great Australian shares fund, and they invested in Australian equities, and they have performed quite well. Unfortunately, as of kind of November, one of their underlying investments, Corporate Traveler, they had a trading halt. They had to be reevaluated. They were dishonest and not reporting correctly to their investors. So it meant that Bennelong had to had to revalue that portion of their investment, and it's meant that analysts have gone back and reevaluated Bennelong as a whole. So that portion of your investment portfolio is down by 20.48% for the year since coming on board. And I'm giving you inception figures because I want you to sort of see how it is for the first year since you came on board, not just sort of looking at different time frames. So I'm actually having a look at that. I'm not happy with how Benelon has been performing. I would like to, as part of this advice, if you're comfortable for me to do, go back. Let's get rid of Benelon. We'll find something else to put in its place that has been performing better. Because everyone's had to go back, analysts are reevaluating that. It's just not holding up as an investment. And sitting there from November to now, it has seen a small increase, but it's not calling back the way it's supposed to be. And Benelon are not able to get out of corporate Traveler. They have to kind of hold that investment because there was a trading halt there. So until they can kind of get out and work out what they're gonna do, it would be best to remove you from that. Admittedly, it will be down. It does mean we are gonna be cementing some of the drops there, but it should definitely also offset any other capital gains that we might have. So I would just like to go back, remove that. Let's cut our losses with that investment and put something else in its place that's gonna, you know, help you and provide better returns. Does that sound okay? Yep. Absolutely. Absolutely. Well, we definitely try. And, look, over the last sort of five to ten years, that alone's done great. But this last one that's happened last year has kind of shown everyone, and it's it's just not holding up anymore. So that investment firm has a bit of work to do. Yeah. Excellent. Yeah. Perfect. So with that, do you log in to your super very much and have a bit of a look at your portfolio? Do you like sort of seeing where the money's invested? Or yeah. Mhmm. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. No. That's okay. That's not a problem at all. Not an issue at all. And the main sort of reason I ask is that we have definitely different ways of investing styles, and the way your investments are structured at the moment encompasses kind of a core and satellite approach where you have just a couple of investments holding core. They're like the S and P 500 that did encompass Bandalong as well. And these are investors that have been around for a long time, but then we have the satellites, which are branching out, taking a little bit more risk in order to get greater potential returns there. With your portfolio at the moment, you also encompass the active management style, which is what Fan Along was supposed to provide, and it also has that JPMorgan in there as well. And those are giving you a bit of active management. Those sorts of investment managers are trying to pick and choose investments that they want in their portfolio to outperform the market. And when we're younger, we can access that, and it's good to have a bit of active management. Active managers don't always outperform the market, and we understand that. However, having some of that when we're younger does take on a little bit more risk, and we can get greater potential returns by having that in our portfolio. Because you are still quite young, you do have a lot of time ahead of you. Do you wanna keep that active management approach in your portfolio, or did you want me to look at something a little bit lower risk, more passive that might be lower cost for you? Mhmm. Yep. Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. Yeah. Absolutely. Well, what we can also look at if you would like me to do so, and I'll do the research between all the different options options to work out what's gonna provide greater benefit to you. But we do also have an SMA that's recently being built there. Now an SMA is a separately managed account, so very much similar to one of the investments in there. It's being built by Oakview Financial's investment committee along with the utilization of BlackRock and Blackhawk are one of Australia's of the world's largest investing firms. And OC Financial's investment committee along with the BlackRock investment committee have built this SMA. This is more of a passively managed fund, and within the SMA, BlackRock has put all the investments through their computer, and they work at the risk level. It's about diversification, how to reduce the level of risk. But the benefit of having an SMA and the reason I kind of wanted to find out whether you look at your super very often is that when you if we were to look at this SMA product, within your super, you essentially see your funds and you see the OPU SMA, and it would have the name of the SMA, whether it be Bloom, Catalyst, or one of the other ones because we have four, and they're all different names. Inside of that is where your funds are invested. And in the underlying, anywhere between 20 to 50 different investments depending on what's occurring, but all you sort of see in your super fund is the SMA product. We can download reports that show you a lot more detail around where the funds are invested and provide, you know, change reports every couple of months to show you what's being changed, but it just doesn't give you as much visibility on your super account as to where the funds are invested. The benefit to having an SMA product like this is that whilst it is more passively managed, it can definitely be lower risk, which is great, and utilizing BlackRock's investment committee helps us to reduce the risk diversification. But having an estimate means that when, say, Benelon isn't performing as well, instead of us having to wait to review or being able to talk to you to make that change, our investment committee can actually go in there and take that investment out without having to make call to you. They just go, hey. This isn't working. We need to move it. Let's move that investment, put something else in its place quickly, and they can do that with an estimate. So while there's less visibility having that sort of a product, it does give us a lot more control around maneuvering investments when they're not performing correctly, when the market might need be you know, might have something occurring in it. If, say, COVID event came back again and we needed to maybe move some more money in defensive investments, it would allow us to do that and make that change quickly. But it's not for everyone, and I do have other clients who like to look at their account, wanna see more visibility around their investments, so they're not going into that product for that reason. So I just wanted to find out more about what's your comfort level, where that fits for you, and what you would like to see out of your super and your investments there. Does that make sense? Yeah. So the estimate itself is it has been only made up in the past couple of months, but it was about a year in the making. However, the underlying investments where your money is invested is not. These are all all the investments within that portfolio, within that SMA, have been around for a long period of time. We have a track record. We know what they've done. We know who the investment managers are. It's gone through risk assessment as well. So while the estimate itself hasn't been around for a long time, the underlying investments have. And your money's invested in the estimate, but where the funds are really invested is always underlying investments. Does that make sense? Yeah. Yeah. Correct. Yeah. Yeah. Yeah. That's that's absolutely okay. That's completely fine. The what the way I'm sort of thinking about things with the conversation we are having is that I'm probably not gonna move you into that SMA product. I'd probably more inclined to maybe just remove the banner long and replace that with something else, but keep the crux of your investments the way they are just for another year or two just while you're sort of getting your feeling your state and we're getting the investments working harder. And then we can always look to ultra or change those down the tracks. It keeps that high growth portfolio. It keeps everything else working in place, and we just take out the underperforming investment, replace it with something else now. Does that feel more your comfort level? Yep. Yep. Yeah. Perfect. Excellent. Beautiful. So I'll do that research there for you along with the research around the child trauma policy. Just to let you know, Tyler, it does take me a couple of weeks to do this. I do have a lot of advice at the moment, so it will take me a few weeks to put everything together. But I will prioritize it for you and have it back as soon as I can. Once my team have everything together, we'll put the advice documents together, and I'll book you back in to go through it so you can see everything nice and clear. Is that okay? Yep. Oh, beautiful. Beautiful. Thank you so much for that. I'll make sure I prioritize it to get it done as quickly as I can for you, but I just like to make sure everyone's sort of aware. It does take just a cup a little bit of time to put everything together and do the research because we are researching all the different options out there to make sure that everything is in line and that the advice is appropriate to you. Okay? Yep. Beautiful. Now I did also just wanna run through a new profile questionnaire. Just making sure I don't see there's any been any changes to the high growth environment that you're in, but it's important just to kinda revisit that just to make sure that everything's aligned. Most of these questions, I can answer and have already popped a an answer in, but I'll ask you just the ones that we do need to sort of follow-up on. The first one here is, have you ever held direct shares or investments in your own name before? No? That's okay. Beautiful. Excellent. The next one here is looking at inflation. So it's basically saying when you look at your super portfolio, how much risk are you comfortable taking to try and get greater returns that outpace inflation? Do you think you'd be trying to take on the highest level of risk to get the best returns you can, maybe a a moderate amount of risk to get the best returns you can, or a low amount of risk to get no returns or lower returns? What are yep. Perfect. In the middle. Beautiful. The next one here is asking, if you sort of look at your super over the next six months and say due to external market factors, something happened and the portfolio fell by 20%. How might you be feeling? Do you think it's a buying opportunity? You wanna put more money into the market? Are you more likely to hold and wait and call us, or are you feeling a bit concerned and wanting to put your money in something a bit less risky? Yep. Yeah. Excellent. And one of the good things about your age is that you have time on your side, and one of the things we are looking at when we invest you in certain portfolios is how much time you have before you wanna access those funds. So, say, when we look back at COVID or even the GFC, because that was a bigger style event, anyone who was in, like, a high risk, high growth portfolio just as a GFC hit would have seen extreme losses, a lot of drops in their portfolio. A lot of people were, yeah, a lot of people were actually retiring at that point. I've met a lot of retirees who had to submit those losses because they'd already committed to retiring or had just retired, and they actually end up with less super. But the benefit to yourself is that you still have a lot of time ahead of you. You can't access super to the age of 60. So if we saw a 20% drop drop in your portfolio over the next six months, Whilst you look at your portfolio, no one likes to see it go down. It's about remembering that you're not retiring this year or next year. You've got time. So if it takes a year or two to come back, that's okay. It comes back. And your super your contributions are going in. You're buying into that discounted time frame. So it's about the way we look at it, but making sure that you have that time. I mean, the biggest it's the biggest commodity you have time. It's the most important thing we have. We trade time for everything, especially money. So, you know, that's the most important thing we have to trade these days. So it's about making sure that you're not gonna retire in the next year or two. If, let's say, something happened and you were only two years out of retirement, I would not be wanting you in a high growth portfolio. We would have been scaling back a long time ago. That way, you're taking less risk in the market. Does that make sense? Yeah. Yeah. It's harder. Absolutely. Keeping in mind, if you do win lotto tomorrow, give me a call and I'll help you. Absolutely. Absolutely. No. Perfect. And the last of the quite couple of questions here, have you ever thought about taking out a loan in order to invest in shares or manage funds? Have you ever considered borrowing to invest? Yep. No. That's okay. Perfect. And you've only got your own home there. You don't have any investment properties at all at the moment. Yeah. Perfect. Fantastic. All good. Well, having a look at that one, you have scored there as a high growth investor. So a high growth investor does generally see that 90% of the super in growth investments, so things like cash oh, sorry. International Australian shares. I apologize. I was a bit tongue tied this afternoon. It it growth investments are international shares, Australian shares, commodities like gold and silver, and then also looking at property, both Australian listed property there as well. You can also have other investments like credit funds and things like that, unlisted property and things, but we don't invest in those sort of things. We try to keep everything liquid so it can be withdrawn if it needed to quickly. Okay? And then with a high growth profile, you so you see 90% in those high growth investments, and you see about 10% generally in defensive investments of things like cash, bonds, and fixed interest. They are lower risk. They too tend to get a lower rate of return, but having a mix of your growth investments along with those defensive investments helps to spread your risk level over time. It also helps to take advantage of different market conditions as well. It's not always a rule of thumb, but, historically, when, say, equities aren't performing as well, we do tend to find defensive investments can sort of provide greater returns. So it's about trying to take advantage of different market conditions essentially. Does that make sense? Yep. Perfect. Sorry about that. I got a bit tongue tied. All good. I still see you've been in that high growth environment quite comfortably. You're fairly comfortable remaining in that sort of environment with your super. Yep. Yep. Beautiful. The last thing to run through with you is just to kind of update any major circumstances and your asset changes. I've got here, you've had a change in income. You mentioned that was about 99,400. Is that right? Sorry? Yep. Yep. Beautiful. Excellent. And then we've got down here, are you managing to put much away in the way of savings out of your income, or is everything kinda going towards your bills? Okay. Yeah. Nice. Absolutely. What kind of rent out is he doing? Nice. Nice. Absolutely. No. Fantastic. Do you have sort of a time frame on when you're hoping to have them completed, or you're just sort of going with the flow? Wow. Yeah. No. Understandable. You've done well. Renovating's a lot. It's a very stressful endeavor. I'm trying to do my backyard at the moment. Yeah. I bet. I bet. I said to my husband, we'll see if we end up in divorce court by the end of this, runner. Nice. Well, hopefully, it's all done and looks fantastic for you soon so you can enjoy it. Yeah. All good. Looking at your other assets, I have your main primary residence to your home. We have an asset value noted currently of 580,000. A good way of looking at that is if you haven't had it valued is if you had to sell that property, what would you wanna get for it? What value is it to you? Yep. Perfect. Excellent. And mortgage, we had owing about 250,000. Have you reduced that a little bit even with the interest rate rises? Mhmm. Okay. Perfect. Yep. Perfect. Refiners. And did you have it on variable, or did you get it put on fixed? Yeah. Beautiful. And for how many years? Do you remember? Yeah. Three years? Beautiful. And did you do it before the interest rate? Right. Nice. Yeah. Yeah. No. Perfect. Excellent. And I've got down here your u so your car valued at about 35,000. What sort of value would you put on that at the moment, do you think? Okay. Perfect. Click on. Okay. The I also had an SUV down. So you do you only have the SUV at the moment, or is that a secondary vehicle you've got? Okay. Yep. Yep. Okay. Perfect. What kind of car did you end up getting? Okay. Perfect. See, our masters are good, aren't they? Absolutely. That's it. That's it. All good. And you would put about 15,000 on the CX five. Is that right? Yep. Yep. Beautiful. No debt on that vehicle. It's owned outright, is it? Yeah. Yep. That's okay. Not a problem. That's right. Did you happen to utilize some of the mortgage to kind of help purchase that? Is that where you're sort of going with that? Yeah. That's okay. Perfect. Easy. Not a problem at all. And the SUV, I had a asset value of about 30,000. What sort of value would you put on that, do you think? Yeah. Yeah. Yeah. Perfect. And I had an a loan on that one of 8,000. Have you cleared that one out at all? Or yep. Perfect. It was all consolidated. Yeah. Perfect. Not an issue at all. And with the SUV, what kind of vehicle is it? Just so I can distinguish it between the vehicles here for you. Beautiful. They are a great car. I do love a good Outlander. Fantastic. And both have decent boot sizes, which what is what you want with two kids. Absolutely. Absolutely. I still remember having to pack three bags just to go anywhere. Yep. Yep. Yeah. That's okay. You got the cars to make the memories now, and then later down the track, you can have the cool car again. Yeah. Absolutely. Absolutely. No. Perfect. Well, that's fantastic. Do you have any other goals that you're sort of hoping to achieve over the next sort of three to five years, or are you just focusing on super and family life? Or Yeah. Yep. Yeah. Perfect. Yep. Investment. Yeah. Perfect. That sounds fantastic. Excellent. We're definitely here to help you with that down the track if you do need it. I do also provide advice around cash on budgeting. I can help we can, you know, help you or send you to a mortgage broker if you do need those services. That's all part of, you know, what we do. Mortgage broking services are all free for yourself, which is great, and trying to get you the best rate you possible can on your loans. But we are here to provide additional advice. We have full licensed advisers there. I will get Maddie to do up the annual review pack shortly for you and send it through. It will have all the information that we've kinda gone through with your certificate of currencies, your investment portfolio, showing you sort of what the returns look like on that and everything we've gone through. It'll also have your ongoing service agreement attached. So at the moment, you are on the ongoing service agreement rate of 1.1%. That just continues to the next twelve months. If you're happy to stay on that, that allows us to continue providing advice. Any advice we do provide is completely complimentary as part of that agreement. So there's no when you came on board originally, you probably paid that up front implementation fee that won't exist in any other advice documents ever again, and you just pay that 1.1% ongoing. But that'll be on the on the email for you through Odoo. It's our new system for utilizing. So feel free to have a read through those documents. If you find you have any questions, please let me know. I will also get Maddie to add in there the financial services guide, which runs you through everything about who we are, what we do, how we do it. It has all my licensing information as a full licensed adviser. I registered through ASIC, and my registration number is 1304394. You'll see my photo and all the information on me and my registration details in there so you can get a feel for who I am and get to know me as the adviser. Okay? Easy. Do you have any questions for me? I know I ask you everything under the sun, but is there anything you wanted to ask me, or is there anything else you wanted me to touch base on? Or Yeah. Beautiful. Beautiful. Well, I've just been notified that your annual review documents will be hand delivered to you. So I believe they're gonna be special treatment. So Maddie will get those organized and bring them around for you to sign and return back. Okay? If you find there's any questions or anything we've missed, let me know. Always happy to make time to chat to you. And I know you are finished work for the afternoon, so, hopefully, you get to go home and put your feet up and rest for a bit. It's hot. Oh, wow. A bit of flat pack furniture to pick up. Oh, beautiful. Thank you so much for your time today, Tyler. It's been a pleasure to get to know you. Can't wait to do this advice for you and get to know you a bit further, and I'll let you go so you can enjoy your afternoon a bit more. Okay? My pleasure. Thanks for your time. See you later. 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Tyler. This is Dana from Achieve Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had you booked in to go through your annual review this afternoon. Is now still a good time there for you? That's that's okay. I had you pulled in to go through your annual review.\n\nIs now a good time there for you? Yeah? All good. Not a problem at all. Just while you're sort of getting yourself sorted there, I will let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Yeah. Beautiful. And just as a security day with you as well, I wanna make sure we are very security conscious here. So I'll just get you to confirm your full name, date of birth, and address I should have on file.\n\nYep. Yep. Fantastic. Thank you so much for that. And how's your day been?\n\nI bet it is. Look, I'm pretty lucky. I work in an air conditioned office, but I bet when I walk outside this afternoon, it's gonna hit me. So I I bet. I bet.\n\nSo I'm really actually actually quite excited to get to know you. No. We haven't spoken before, but I do work very closely with Maddie there. She did let me know just before the call that you wanted to sort of have a bit of a chat about the insurance. Is there anything else that you would sort of like me to touch base on with part of your annual review?\n\nYeah. Yep. Yep. That's okay. That's absolutely not a problem.\n\nSo you did mention that you were looking at maybe increasing your current trauma policy, but you wanted to hold off on that now. Is that right? Is there any particular reason you're not wanting to maybe increase it? Or I'm Yeah. Yeah.\n\nYeah. Yep. Absolutely. Yeah. Absolutely.\n\nWell, congratulations on on having another baby. When are they when is it due? Wow. That's exciting. That'll be a big change from one to two.\n\nOh, no. That is very exciting for you. Congratulations. I hope you get some downtime to enjoy the new bub when they come. Yeah.\n\nAbsolutely. Oh, cool. We can absolutely look at child cover there for you. It's not a problem. Now having a look at the circumstances here, I've got down here that your current child, he is almost two.\n\nIs that right? Yeah. Perfect. So in order to be able to get child cover, the child does need to be two. However, with there's nothing wrong with recommending it prior, and then we just go through the app the application when they turn two or when they're close to the age of two, which is not a problem at all.\n\nIf you like, having a think about the sort of child cover you have now, the generally, it starts around 50,000. Is there an amount you would like to be covered for, or are you just sort of wanting to find something that's been in your budget? Yep. Yep. Perfect.\n\nExcellent. Not a problem at all. I'll have a look at one pass. But are you open to me going out there and having a look at other providers if there is a benefit to doing so, if it's gonna be maybe cheaper for you and provide a little bit of a, you know, not so hard on your budget? Yeah.\n\nYeah. Yep. Oh, perfect. No. Absolutely.\n\nYou have us. If you have to claim, you come to us, and we do all the hard work for you. So it's not a problem at all. Excellent. Not a problem at all.\n\nWell, I'll have a look at one path and see what it looks like, see if we can link it together and how we can make it cost effective, but I'll also look at other providers out there. Part of my job is looking at the cost of the product, but also making sure the product is important to you and that you can claim on it. So I do go back, and I have personally do have a look at all the PDFs. I have a look at what the trauma conditions are that can be covered and also which providers may have additional covers or allow to, you know I'm sorry. Allow to claim on earlier conditions as well.\n\nBecause the main ones for a child trauma policy are and the biggest ones are definitely cancer, so child cancer, but they do also cover blindness, you know, losing a limb. It's all very much major conditions that can occur. So we wanna make sure because trauma is it's probably one of the least likely ones that you're gonna claim on. So we wanna make sure that it's in the event of a claim that you can claim for as many things as you possibly can. Okay?\n\nYep. Beautiful. And I'll look at a 100,000 there for you. It's not a problem at all. When I do look up, his child child trauma policies are great because the longer you hold the policy, admittedly, it does get more expensive over time as with all insurances.\n\nBut when your child generally turns a certain age, some providers, it's 15, 16, some providers, it can be age 20. It actually converts into an adult life policy for the child. And because they've had it for such a long time, there's really no underwriting, and they often have no exclusions or loadings on those policies. So it can provide that benefit for them as well. Yeah.\n\nYep. Yes. Yes. Yeah. Absolutely.\n\nAnd I've got all the details here. So I can see here that on your policies at the moment, on your TPD, you do have a mental health exclusion, which basically notes here that you're unable to claim for mental health or for any illness or injury that is a result of the mental health. With a mental health exclusion, just in case no one has kind of mentioned it to you, as long as you are without any medication or symptoms for around about five to six years, we can often have that reviewed. Some insurers do like do allow us to review it at around about three to four years as well. So, we will just keep up to date with you and see how things are going, and you can sort of let us know how comfortable you are with the information you're providing.\n\nAnd, you know, with mental health, it is it can be very hard to disclose the information. So when you are comfortable to do so, you just let us know what's happening, and we can definitely look to review that for you. Okay? Yep. Perfect.\n\nLook. I'm honestly very open with mine as well, Tyler. So I have insurance policies, and I also have a mental health exclusion on my policy as well. So I've had depression in the past, so it's one of those things. Yeah.\n\nIt does. It does. Yeah. No. Absolutely.\n\nSo we'll definitely keep informed with you and see how things are going, and we'll definitely look to review that on the track, but a mental health exclusion is one of those ones that can be removed, which is really good to know. And then I've also got here that we've got the right shoulder exclusion on the TPD and the income protection policy there again. So, again, just any illness or injury in relation to the right shoulder. If there is anything else so, generally, say, if you had a car accident or something had happened to you and you still had a an injury on the right shoulder, we would still try to claim against that because, obviously, the it's not not caused by your previous illness or injury. But when the assessors gonna look at that, they're gonna look at whether is it linked or can it be linked in any way, shape, or form, or would say somebody else have claimed for the same thing if they've had a car accident.\n\nSo it doesn't stop us from trying to make the claim. It's just how the assessors will assess that for you if that helps. Okay? Yeah. Beautiful.\n\nNow while I do have you here, it's important as part of our review process that we do review your insurance levels as well. So at the moment, you've got your life and TPD and your income protection policy. They're paid out of super. Your current life insured, you've got and so TPD cover, you're covered for a million dollars even. When we look at because your balance in Super as of today sorry.\n\nI'm just also pulling this up. My computer's a little bit slow for the afternoon. Your balance your balance inside Super is about 82,335. So I do apologize. These conversations get a little bit more, but but in the event of passing with claiming on the last cover, the million dollars is paid out to your beneficiaries, but then also see your super balance there.\n\nSo you get that $11,082,335 given your circumstances there. Is that is that giving you enough cover? Is that sort of meeting your goal? Are you wanting to review that level at the moment? Do you feel pretty comfortable with that level of cover?\n\nYeah. Yep. Yep. Beautiful. And in the event of passing, I can see here that you do have your home and your mortgage owing at the moment.\n\nAre you sort of wanting the the funds to be paid to your your partner so you can have the mortgage cleared and then provide additional income and support for your family? Is that Yep. Yeah. Yeah. Perfect.\n\nExcellent. Now the next thing we have here is your TBD cover, and I can see with your TBD cover, again, you've got a million dollars in cover. Now one of the things I do like to be honest and open about is that TBD, if in the event of claiming, is a taxable payment. So, unfortunately, there is tax deducted out of that. With they see us coming in all areas, don't they?\n\nSo with the TBD, if you were to claim on TBD again, your super is released because you can release super under the permanent incapacity. With the tax on TBD, essentially, the tax would be on the full amount. So your TBD is released to your super, and then the full amount is taxed. It can be up to 22%. If in the event of you having to make a claim on TBD, we would do advise and help you to minimize the tax payable.\n\nBut I like to kinda give you worst case scenario to make sure that we're open and honest with you. But, essentially, the tax on TBD payments can be up to 22%, and that's tax is always deducted out until you reach the age of 60. So it's any claim up until the age of 60. Given the level of cover you have at the moment for your super balance and your TBD, the estimated tax on that would be about $238,000. So you'd receive your benefit minus that $2.38.\n\nThat would still realistically clear your mortgage and provide additional support to yourself and your family knowing that that can be reduced down the future, are you still comfortable with that level of PPD you have at the moment? Yeah. I know. Yeah. Well, it all it all happens automatically.\n\nSo when you kind of when you get your TBD payout, the tax is sort of withheld from the Superfund and it kinda goes to the ATO that way. So then when you go to either your tax return, that payment is already sitting on your myGov account. They already know about it. So it's it's not fun. I personally disagree with that.\n\nI do not think if your TBD, you've gone yeah. Some sort of disability that stopped you from going back to work, you should not not be disadvantaged and taxed under that. But, yeah, it's what it is. That's that's exactly right. But now look.\n\nI just like to make sure I'm open and honest and that I'm providing you with the information that you need to make these informed decisions. In saying that, as I mentioned before, we've if you had a claim on TBD, we've helped you to the claim, and then we will also help you to provide advice to help mitigate or reduce the amount of tax as much as possible. Okay? Yep. Perfect.\n\nPerfect. So we're happy with this to leave the life on TPD for the moment. If you ever have any questions about either of those covers or wanted to review any of those at any time, you are welcome to let me know, and I'll make time to go through it in more detail with you as well. Okay? Yep.\n\nPerfect. Now with the income protection side of things here, I can see that you have a monthly benefit amount of 5,414. Again, if you were on an income protection claim, the monthly benefit is taxed the same as your current income is. Income protection is taxable again. Your income I had noted here was sorry.\n\nJust running up the screen a bit. I had you on about 92,820. Have you had any kind of pay increases since we last caught up? 99,000 400? Okay.\n\nPerfect. So if I look at that now with income protection, you can be covered for up to 70% of your current income amount. So based on the change of your income, you are slightly underinsured there a little bit. We would need to if you wanted to be covered for the 70%, be looking to increase that monthly benefit to 5,798. You are only just underinsured a little bit.\n\nSo did you wanna look at maybe increasing that, or are you comfortable with the level you have at the moment? Yeah. Okay. Perfect. Beautiful.\n\nAnd do you have much in the way of long sir sorry. Long service leave or sick leave or any annual leave available to you as well? Yep. Yep. Yep.\n\nPerfect. To fall back on. Beautiful. Excellent. So with the income protection policy here, you just have a thirty day waiting period.\n\nThat essentially means you just have to be off work for thirty days prior to making a claim. What we'd sorta ask is as soon as something happens to you that requires you to be off work, let us know because then we can let the insurer know that the thirty days has started. So once that thirty days is almost completed, we can send the claim information off. And that way, it kinda helps to get the claim moving a bit faster for you. Okay?\n\nAnd you've got this six year benefit period, so you can be on a claim for up to six years at that six year mark if you still can't go back to work. The claim does essentially stop the income protection, but at that point, we'd be looking to try and claim on CBD or looking at what else we can do to help you out there. Okay. Yeah. Yeah.\n\nBeautiful. Do you have any questions around any of those insurances, anything that we've kinda gone through so far, or is everything all good with those? Yep. Yep. Perfect.\n\nPerfect. Now you've also got your out of pocket trauma, which is the 100,000. You have made mention you're happy with that level, not wanting to look at that now. But if you do in the future, let me know. I'm more than happy to sort of re revisit that for you.\n\nOkay? Excellent. And you do have a bit of life cover linked to the trauma, which is a great way of structuring it for two reasons. It gives you that multi policy discounts that can make the trauma policy slightly cheaper for you, which is good. But it also means in the event of passing, with policies of life cover held outside of Super, you get access to a funeral benefit, which you don't actually get access to for policies held inside Super.\n\nSo it means that if in the event you would have passed away, your family can access that funeral benefit. And with one pass, they can actually get access to it's up to $25,000, and all they need to do is provide your the death certificate, and that money is paid upfront for them to help cover the cost of your funeral. So that's a really great benefit that comes with that life policy as well. Absolutely. You could go a bit more fancy.\n\nYou could have a singer. You you can do whatever you want. You can make sure that money is that 25,000 is fully used for your funeral and have all the bells and whistles. Absolutely. And that kinda comes into the next side of the conversation.\n\nThere is the estate planning side. So have you guys drawn up a will, or have you seen a solicitor to draw a will? I know it said last year that was on the to do list. Mhmm. Yep.\n\nYep. Yep. No. That's okay. Perfect.\n\nIt is definitely one of those things to look at. I can see you've got your beneficiary nomination set up on your and your life cover, which is great. That essentially means that in the event of passing, a 100% of the benefits are paid to Rhiannon, to your spouse, which is great. That means she can cover the mortgage and take a bit of time, downtime to look after the kids and, you know, provide additional support to family there, which is a benefit. But there's also all those other assets outside of Super to any savings and things like that.\n\nAnd it will not only use to see yourself, but it's also for your partner as well. So making sure that in the event that something happens to both of you, that you have a guardian chosen, someone that you can trust to look after your kids in the event of something happening to both of you. It also incorporates a power of attorney to making sure that if you're incapacitated and are unable to make decisions, that you have appointed an attorney who can act on your behalf and that it stipulates what you want them to do or how they how you want them to act in the event that you're unable to make decisions for yourself. And an enduring power of attorney is the best one to have. It generally gives them, you know, a whole overlay for medical and financial power of attorney.\n\nSo those are definitely worth doing. I always think having a will drawn up is more an investment in yourself and your family, making sure to protect those, you know, those that you love the most. So, yeah. Perfect. Did you want us to email through some details and maybe a bit of a costing of a solicitor that we can refer you to?\n\nThere's no obligation to use, and it can just be a bit of a talking point for you. Yeah? Yep. That's okay. It's never an easy conversation to have, but it is definitely one that's really important.\n\nAnd sometimes it can be really rewarding to to have that conversation. I know with my husband sorry. With my husband, he is not from here. He's actually from Yonge in in sort of well, Midwestern New South Wales. And his family always thought he would wanna be sent down there after passing, but we've kind of had that conversation and talked and have asked him what he wants.\n\nAnd it kind of brought home and made him think about what he actually wants to happen, you know, if and when he was to pass away. So it can be kind of a good conversation to have and allows you to think about what what you want, what is important to you, and what you want to happen. So yeah. Yeah. Absolutely.\n\nThe most important thing in the world. Isn't it amazing becoming a parent? You you think you can never love anyone like the person you've just created, and they do all sorts of crazy things to make you laugh, cry, can be the most stressful job in the world, but it is the most rewarding at the same time. Yeah. Yeah.\n\nAbsolutely. No. Perfect. That'll be fantastic. And the couple more weeks, and you'll have another one, and that'll be amazing.\n\nI'm sure your little boy is gonna be a great big brother. That's it. Yep. Sharing that love around. Beautiful.\n\nNo. That'll be amazing. Well, for the time being, I'll have a look at the the one child trauma policy for you for the sum of a 100 thousand dollars there. Just so I have the details to make sure it is correct, can I grab your son's date of birth? Yep.\n\nPerfect. Excellent. Excellent. And I'm just checking what else I have on here. I don't actually have his name.\n\nI'm so sorry. What is his name as well? Wow. Beautiful. Oscar William Follett.\n\nAnd it's o s c a r. Is that spelled correctly? Yes. Perfect. Beautiful.\n\nAnd, look, the new name for your beautiful new son is beautiful. I will keep that a secret if it's not meant to be out there. Don't worry. Oh, that's okay. Wait till they come.\n\nI get my three kids mixed up all the time. Yeah. Yeah. No. Understandable.\n\nOh, there's so many more fun times like that to come, but that's beautiful. I love that name. It is fantastic. All good. The next thing is to give you a bit of an update.\n\nSo part of the review is just sort of letting you know what's happening with your Superdesk. So as I kinda mentioned before, your balance is up. You're up too sorry. Balance is gone again on me. It's 82,335.\n\nI did have a look back. So when you came what originally, a bit over twelve months ago now, your balance that we rolled in was about 73,600 and 86. So you have seen a bit of growth there, which is good. Contributions are still going in, which is also sorta helping with that. When I look at your portfolio as a whole, I've gone through and done a little bit of digging to see exactly what's been going on with it as well because, admittedly, the growth is a little bit slower for the first year than what we would normally like.\n\nYeah. When we have a look at the individual investments as a whole, we've got you know, you've got some well, we've got some S and P 500, which is doing quite well. From inception, it's up about 5.14%. This is sort of just over the full year. You've got your Global Healthcare again.\n\nIt's up by 0.26, so a bit low for where I wanna see it. Your physical gold is doing very well. It's up over 56.93, and then you've got your Australian shares component, which is the Raffy. And that one there is up over 17.83%. So they are doing really well.\n\nI would like to see your S and P 500 slightly higher, and your Global Healthcare is a lot lower for where we'd sort of expect that. You've also got some, JPMorgan in there, which is giving you a bit of active management, and that's a globalized sort of investment. So they don't have any particular thematic or theme with their investing in. It's just whatever is coming up and and out there and trying to, you know, get the best returns they possibly can within that fund. That is up over 7.59% since coming on board.\n\nSo that, again, is quite good. That is up. That's sort of where we'd like to expect to see your portfolio as a whole when you're in the sort of growth to high growth area that you that you are. I'm just double checking. Yeah.\n\nSo you're at a high growth portfolio. So that generally encompasses anywhere between sort of nine to 11% returns on an average basis. For a whole, up until about November, your portfolio was almost a 5% of a return. As of November, your other investments been along I don't know if anyone's have made mention or if you've seen in the news, but you have the Benelon Australian equities in there that was recommended. Benelon, over the last few years, has seen great returns.\n\nThey have been a great Australian shares fund, and they invested in Australian equities, and they have performed quite well. Unfortunately, as of kind of November, one of their underlying investments, Corporate Traveler, they had a trading halt. They had to be reevaluated. They were dishonest and not reporting correctly to their investors. So it meant that Bennelong had to had to revalue that portion of their investment, and it's meant that analysts have gone back and reevaluated Bennelong as a whole.\n\nSo that portion of your investment portfolio is down by 20.48% for the year since coming on board. And I'm giving you inception figures because I want you to sort of see how it is for the first year since you came on board, not just sort of looking at different time frames. So I'm actually having a look at that. I'm not happy with how Benelon has been performing. I would like to, as part of this advice, if you're comfortable for me to do, go back.\n\nLet's get rid of Benelon. We'll find something else to put in its place that has been performing better. Because everyone's had to go back, analysts are reevaluating that. It's just not holding up as an investment. And sitting there from November to now, it has seen a small increase, but it's not calling back the way it's supposed to be.\n\nAnd Benelon are not able to get out of corporate Traveler. They have to kind of hold that investment because there was a trading halt there. So until they can kind of get out and work out what they're gonna do, it would be best to remove you from that. Admittedly, it will be down. It does mean we are gonna be cementing some of the drops there, but it should definitely also offset any other capital gains that we might have.\n\nSo I would just like to go back, remove that. Let's cut our losses with that investment and put something else in its place that's gonna, you know, help you and provide better returns. Does that sound okay? Yep. Absolutely.\n\nAbsolutely. Well, we definitely try. And, look, over the last sort of five to ten years, that alone's done great. But this last one that's happened last year has kind of shown everyone, and it's it's just not holding up anymore. So that investment firm has a bit of work to do.\n\nYeah. Excellent. Yeah. Perfect. So with that, do you log in to your super very much and have a bit of a look at your portfolio?\n\nDo you like sort of seeing where the money's invested? Or yeah. Mhmm. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYep. No. That's okay. That's not a problem at all. Not an issue at all.\n\nAnd the main sort of reason I ask is that we have definitely different ways of investing styles, and the way your investments are structured at the moment encompasses kind of a core and satellite approach where you have just a couple of investments holding core. They're like the S and P 500 that did encompass Bandalong as well. And these are investors that have been around for a long time, but then we have the satellites, which are branching out, taking a little bit more risk in order to get greater potential returns there. With your portfolio at the moment, you also encompass the active management style, which is what Fan Along was supposed to provide, and it also has that JPMorgan in there as well. And those are giving you a bit of active management.\n\nThose sorts of investment managers are trying to pick and choose investments that they want in their portfolio to outperform the market. And when we're younger, we can access that, and it's good to have a bit of active management. Active managers don't always outperform the market, and we understand that. However, having some of that when we're younger does take on a little bit more risk, and we can get greater potential returns by having that in our portfolio. Because you are still quite young, you do have a lot of time ahead of you.\n\nDo you wanna keep that active management approach in your portfolio, or did you want me to look at something a little bit lower risk, more passive that might be lower cost for you? Mhmm. Yep. Yeah. Yeah.\n\nYeah. Yeah. Absolutely. Yeah. Yeah.\n\nAbsolutely. Well, what we can also look at if you would like me to do so, and I'll do the research between all the different options options to work out what's gonna provide greater benefit to you. But we do also have an SMA that's recently being built there. Now an SMA is a separately managed account, so very much similar to one of the investments in there. It's being built by Oakview Financial's investment committee along with the utilization of BlackRock and Blackhawk are one of Australia's of the world's largest investing firms.\n\nAnd OC Financial's investment committee along with the BlackRock investment committee have built this SMA. This is more of a passively managed fund, and within the SMA, BlackRock has put all the investments through their computer, and they work at the risk level. It's about diversification, how to reduce the level of risk. But the benefit of having an SMA and the reason I kind of wanted to find out whether you look at your super very often is that when you if we were to look at this SMA product, within your super, you essentially see your funds and you see the OPU SMA, and it would have the name of the SMA, whether it be Bloom, Catalyst, or one of the other ones because we have four, and they're all different names. Inside of that is where your funds are invested.\n\nAnd in the underlying, anywhere between 20 to 50 different investments depending on what's occurring, but all you sort of see in your super fund is the SMA product. We can download reports that show you a lot more detail around where the funds are invested and provide, you know, change reports every couple of months to show you what's being changed, but it just doesn't give you as much visibility on your super account as to where the funds are invested. The benefit to having an SMA product like this is that whilst it is more passively managed, it can definitely be lower risk, which is great, and utilizing BlackRock's investment committee helps us to reduce the risk diversification. But having an estimate means that when, say, Benelon isn't performing as well, instead of us having to wait to review or being able to talk to you to make that change, our investment committee can actually go in there and take that investment out without having to make call to you. They just go, hey.\n\nThis isn't working. We need to move it. Let's move that investment, put something else in its place quickly, and they can do that with an estimate. So while there's less visibility having that sort of a product, it does give us a lot more control around maneuvering investments when they're not performing correctly, when the market might need be you know, might have something occurring in it. If, say, COVID event came back again and we needed to maybe move some more money in defensive investments, it would allow us to do that and make that change quickly.\n\nBut it's not for everyone, and I do have other clients who like to look at their account, wanna see more visibility around their investments, so they're not going into that product for that reason. So I just wanted to find out more about what's your comfort level, where that fits for you, and what you would like to see out of your super and your investments there. Does that make sense? Yeah. So the estimate itself is it has been only made up in the past couple of months, but it was about a year in the making.\n\nHowever, the underlying investments where your money is invested is not. These are all all the investments within that portfolio, within that SMA, have been around for a long period of time. We have a track record. We know what they've done. We know who the investment managers are.\n\nIt's gone through risk assessment as well. So while the estimate itself hasn't been around for a long time, the underlying investments have. And your money's invested in the estimate, but where the funds are really invested is always underlying investments. Does that make sense? Yeah.\n\nYeah. Correct. Yeah. Yeah. Yeah.\n\nThat's that's absolutely okay. That's completely fine. The what the way I'm sort of thinking about things with the conversation we are having is that I'm probably not gonna move you into that SMA product. I'd probably more inclined to maybe just remove the banner long and replace that with something else, but keep the crux of your investments the way they are just for another year or two just while you're sort of getting your feeling your state and we're getting the investments working harder. And then we can always look to ultra or change those down the tracks.\n\nIt keeps that high growth portfolio. It keeps everything else working in place, and we just take out the underperforming investment, replace it with something else now. Does that feel more your comfort level? Yep. Yep.\n\nYeah. Perfect. Excellent. Beautiful. So I'll do that research there for you along with the research around the child trauma policy.\n\nJust to let you know, Tyler, it does take me a couple of weeks to do this. I do have a lot of advice at the moment, so it will take me a few weeks to put everything together. But I will prioritize it for you and have it back as soon as I can. Once my team have everything together, we'll put the advice documents together, and I'll book you back in to go through it so you can see everything nice and clear. Is that okay?\n\nYep. Oh, beautiful. Beautiful. Thank you so much for that. I'll make sure I prioritize it to get it done as quickly as I can for you, but I just like to make sure everyone's sort of aware.\n\nIt does take just a cup a little bit of time to put everything together and do the research because we are researching all the different options out there to make sure that everything is in line and that the advice is appropriate to you. Okay? Yep. Beautiful. Now I did also just wanna run through a new profile questionnaire.\n\nJust making sure I don't see there's any been any changes to the high growth environment that you're in, but it's important just to kinda revisit that just to make sure that everything's aligned. Most of these questions, I can answer and have already popped a an answer in, but I'll ask you just the ones that we do need to sort of follow-up on. The first one here is, have you ever held direct shares or investments in your own name before? No? That's okay.\n\nBeautiful. Excellent. The next one here is looking at inflation. So it's basically saying when you look at your super portfolio, how much risk are you comfortable taking to try and get greater returns that outpace inflation? Do you think you'd be trying to take on the highest level of risk to get the best returns you can, maybe a a moderate amount of risk to get the best returns you can, or a low amount of risk to get no returns or lower returns?\n\nWhat are yep. Perfect. In the middle. Beautiful. The next one here is asking, if you sort of look at your super over the next six months and say due to external market factors, something happened and the portfolio fell by 20%.\n\nHow might you be feeling? Do you think it's a buying opportunity? You wanna put more money into the market? Are you more likely to hold and wait and call us, or are you feeling a bit concerned and wanting to put your money in something a bit less risky? Yep.\n\nYeah. Excellent. And one of the good things about your age is that you have time on your side, and one of the things we are looking at when we invest you in certain portfolios is how much time you have before you wanna access those funds. So, say, when we look back at COVID or even the GFC, because that was a bigger style event, anyone who was in, like, a high risk, high growth portfolio just as a GFC hit would have seen extreme losses, a lot of drops in their portfolio. A lot of people were, yeah, a lot of people were actually retiring at that point.\n\nI've met a lot of retirees who had to submit those losses because they'd already committed to retiring or had just retired, and they actually end up with less super. But the benefit to yourself is that you still have a lot of time ahead of you. You can't access super to the age of 60. So if we saw a 20% drop drop in your portfolio over the next six months, Whilst you look at your portfolio, no one likes to see it go down. It's about remembering that you're not retiring this year or next year.\n\nYou've got time. So if it takes a year or two to come back, that's okay. It comes back. And your super your contributions are going in. You're buying into that discounted time frame.\n\nSo it's about the way we look at it, but making sure that you have that time. I mean, the biggest it's the biggest commodity you have time. It's the most important thing we have. We trade time for everything, especially money. So, you know, that's the most important thing we have to trade these days.\n\nSo it's about making sure that you're not gonna retire in the next year or two. If, let's say, something happened and you were only two years out of retirement, I would not be wanting you in a high growth portfolio. We would have been scaling back a long time ago. That way, you're taking less risk in the market. Does that make sense?\n\nYeah. Yeah. It's harder. Absolutely. Keeping in mind, if you do win lotto tomorrow, give me a call and I'll help you.\n\nAbsolutely. Absolutely. No. Perfect. And the last of the quite couple of questions here, have you ever thought about taking out a loan in order to invest in shares or manage funds?\n\nHave you ever considered borrowing to invest? Yep. No. That's okay. Perfect.\n\nAnd you've only got your own home there. You don't have any investment properties at all at the moment. Yeah. Perfect. Fantastic.\n\nAll good. Well, having a look at that one, you have scored there as a high growth investor. So a high growth investor does generally see that 90% of the super in growth investments, so things like cash oh, sorry. International Australian shares. I apologize.\n\nI was a bit tongue tied this afternoon. It it growth investments are international shares, Australian shares, commodities like gold and silver, and then also looking at property, both Australian listed property there as well. You can also have other investments like credit funds and things like that, unlisted property and things, but we don't invest in those sort of things. We try to keep everything liquid so it can be withdrawn if it needed to quickly. Okay?\n\nAnd then with a high growth profile, you so you see 90% in those high growth investments, and you see about 10% generally in defensive investments of things like cash, bonds, and fixed interest. They are lower risk. They too tend to get a lower rate of return, but having a mix of your growth investments along with those defensive investments helps to spread your risk level over time. It also helps to take advantage of different market conditions as well. It's not always a rule of thumb, but, historically, when, say, equities aren't performing as well, we do tend to find defensive investments can sort of provide greater returns.\n\nSo it's about trying to take advantage of different market conditions essentially. Does that make sense? Yep. Perfect. Sorry about that.\n\nI got a bit tongue tied. All good. I still see you've been in that high growth environment quite comfortably. You're fairly comfortable remaining in that sort of environment with your super. Yep.\n\nYep. Beautiful. The last thing to run through with you is just to kind of update any major circumstances and your asset changes. I've got here, you've had a change in income. You mentioned that was about 99,400.\n\nIs that right? Sorry? Yep. Yep. Beautiful.\n\nExcellent. And then we've got down here, are you managing to put much away in the way of savings out of your income, or is everything kinda going towards your bills? Okay. Yeah. Nice.\n\nAbsolutely. What kind of rent out is he doing? Nice. Nice. Absolutely.\n\nNo. Fantastic. Do you have sort of a time frame on when you're hoping to have them completed, or you're just sort of going with the flow? Wow. Yeah.\n\nNo. Understandable. You've done well. Renovating's a lot. It's a very stressful endeavor.\n\nI'm trying to do my backyard at the moment. Yeah. I bet. I bet. I said to my husband, we'll see if we end up in divorce court by the end of this, runner.\n\nNice. Well, hopefully, it's all done and looks fantastic for you soon so you can enjoy it. Yeah. All good. Looking at your other assets, I have your main primary residence to your home.\n\nWe have an asset value noted currently of 580,000. A good way of looking at that is if you haven't had it valued is if you had to sell that property, what would you wanna get for it? What value is it to you? Yep. Perfect.\n\nExcellent. And mortgage, we had owing about 250,000. Have you reduced that a little bit even with the interest rate rises? Mhmm. Okay.\n\nPerfect. Yep. Perfect. Refiners. And did you have it on variable, or did you get it put on fixed?\n\nYeah. Beautiful. And for how many years? Do you remember? Yeah.\n\nThree years? Beautiful. And did you do it before the interest rate? Right. Nice.\n\nYeah. Yeah. No. Perfect. Excellent.\n\nAnd I've got down here your u so your car valued at about 35,000. What sort of value would you put on that at the moment, do you think? Okay. Perfect. Click on.\n\nOkay. The I also had an SUV down. So you do you only have the SUV at the moment, or is that a secondary vehicle you've got? Okay. Yep.\n\nYep. Okay. Perfect. What kind of car did you end up getting? Okay.\n\nPerfect. See, our masters are good, aren't they? Absolutely. That's it. That's it.\n\nAll good. And you would put about 15,000 on the CX five. Is that right? Yep. Yep.\n\nBeautiful. No debt on that vehicle. It's owned outright, is it? Yeah. Yep.\n\nThat's okay. Not a problem. That's right. Did you happen to utilize some of the mortgage to kind of help purchase that? Is that where you're sort of going with that?\n\nYeah. That's okay. Perfect. Easy. Not a problem at all.\n\nAnd the SUV, I had a asset value of about 30,000. What sort of value would you put on that, do you think? Yeah. Yeah. Yeah.\n\nPerfect. And I had an a loan on that one of 8,000. Have you cleared that one out at all? Or yep. Perfect.\n\nIt was all consolidated. Yeah. Perfect. Not an issue at all. And with the SUV, what kind of vehicle is it?\n\nJust so I can distinguish it between the vehicles here for you. Beautiful. They are a great car. I do love a good Outlander. Fantastic.\n\nAnd both have decent boot sizes, which what is what you want with two kids. Absolutely. Absolutely. I still remember having to pack three bags just to go anywhere. Yep.\n\nYep. Yeah. That's okay. You got the cars to make the memories now, and then later down the track, you can have the cool car again. Yeah.\n\nAbsolutely. Absolutely. No. Perfect. Well, that's fantastic.\n\nDo you have any other goals that you're sort of hoping to achieve over the next sort of three to five years, or are you just focusing on super and family life? Or Yeah. Yep. Yeah. Perfect.\n\nYep. Investment. Yeah. Perfect. That sounds fantastic.\n\nExcellent. We're definitely here to help you with that down the track if you do need it. I do also provide advice around cash on budgeting. I can help we can, you know, help you or send you to a mortgage broker if you do need those services. That's all part of, you know, what we do.\n\nMortgage broking services are all free for yourself, which is great, and trying to get you the best rate you possible can on your loans. But we are here to provide additional advice. We have full licensed advisers there. I will get Maddie to do up the annual review pack shortly for you and send it through. It will have all the information that we've kinda gone through with your certificate of currencies, your investment portfolio, showing you sort of what the returns look like on that and everything we've gone through.\n\nIt'll also have your ongoing service agreement attached. So at the moment, you are on the ongoing service agreement rate of 1.1%. That just continues to the next twelve months. If you're happy to stay on that, that allows us to continue providing advice. Any advice we do provide is completely complimentary as part of that agreement.\n\nSo there's no when you came on board originally, you probably paid that up front implementation fee that won't exist in any other advice documents ever again, and you just pay that 1.1% ongoing. But that'll be on the on the email for you through Odoo. It's our new system for utilizing. So feel free to have a read through those documents. If you find you have any questions, please let me know.\n\nI will also get Maddie to add in there the financial services guide, which runs you through everything about who we are, what we do, how we do it. It has all my licensing information as a full licensed adviser. I registered through ASIC, and my registration number is 1304394. You'll see my photo and all the information on me and my registration details in there so you can get a feel for who I am and get to know me as the adviser. Okay?\n\nEasy. Do you have any questions for me? I know I ask you everything under the sun, but is there anything you wanted to ask me, or is there anything else you wanted me to touch base on? Or Yeah. Beautiful.\n\nBeautiful. Well, I've just been notified that your annual review documents will be hand delivered to you. So I believe they're gonna be special treatment. So Maddie will get those organized and bring them around for you to sign and return back. Okay?\n\nIf you find there's any questions or anything we've missed, let me know. Always happy to make time to chat to you. And I know you are finished work for the afternoon, so, hopefully, you get to go home and put your feet up and rest for a bit. It's hot. Oh, wow.\n\nA bit of flat pack furniture to pick up. Oh, beautiful. Thank you so much for your time today, Tyler. It's been a pleasure to get to know you. Can't wait to do this advice for you and get to know you a bit further, and I'll let you go so you can enjoy your afternoon a bit more.\n\nOkay? My pleasure. Thanks for your time. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Tyler.","start":4.0,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.14934038370847702},{"text":"This is Dana from Achieve Financial.","start":4.7999997,"end":6.48,"sentiment":"neutral","sentiment_score":0.19788661847511926},{"text":"How are you this afternoon?","start":6.48,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.22437393069267272},{"text":"I'm very well.","start":9.84,"end":10.639999,"sentiment":"positive","sentiment_score":0.5593506097793579},{"text":"Thank you.","start":10.639999,"end":10.96,"sentiment":"positive","sentiment_score":0.6844914555549622}],"sentiment":"neutral","sentiment_score":0.31416138178772396,"num_words":18,"start":4.0,"end":10.96},{"sentences":[{"text":"Thanks for asking.","start":10.96,"end":11.759999,"sentiment":"positive","sentiment_score":0.6328763167063395},{"text":"I had you booked in to go through your annual review this afternoon.","start":11.759999,"end":14.335,"sentiment":"neutral","sentiment_score":0.24775065940160018},{"text":"Is now still a good time there for you?","start":14.335,"end":16.275002,"sentiment":"neutral","sentiment_score":0.23847869038581848},{"text":"That's that's okay.","start":21.695,"end":22.655,"sentiment":"neutral","sentiment_score":0.12363762160142262},{"text":"I had you pulled in to go through your annual review.","start":22.655,"end":24.494999,"sentiment":"neutral","sentiment_score":0.17294336313551123}],"sentiment":"neutral","sentiment_score":0.24458937423351484,"num_words":39,"start":10.96,"end":24.494999},{"sentences":[{"text":"Is now a good time there for you?","start":24.494999,"end":26.435001,"sentiment":"neutral","sentiment_score":0.15950545202940702},{"text":"Yeah?","start":26.494999,"end":26.994999,"sentiment":"neutral","sentiment_score":0.03398722782731056},{"text":"All good.","start":27.74,"end":28.56,"sentiment":"neutral","sentiment_score":0.0637675803154707},{"text":"Not a problem at all.","start":29.58,"end":30.62,"sentiment":"neutral","sentiment_score":0.20304980278015136},{"text":"Just while you're sort of getting yourself sorted there, I will let you know, we do record our calls for quality and training purposes.","start":30.62,"end":36.14,"sentiment":"neutral","sentiment_score":0.12153593668093284}],"sentiment":"neutral","sentiment_score":0.13424193747341634,"num_words":40,"start":24.494999,"end":36.14},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":36.14,"end":38.16,"sentiment":"neutral","sentiment_score":0.2039930820465088},{"text":"Yeah.","start":39.435,"end":39.835,"sentiment":"neutral","sentiment_score":0.25710201263427734},{"text":"Beautiful.","start":39.835,"end":40.335,"sentiment":"positive","sentiment_score":0.4947530329227447},{"text":"And just as a security day with you as well, I wanna make sure we are very security conscious here.","start":40.395,"end":44.555,"sentiment":"neutral","sentiment_score":0.24181950613856315},{"text":"So I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":44.555,"end":48.815,"sentiment":"neutral","sentiment_score":0.15969003327190875}],"sentiment":"neutral","sentiment_score":0.2081957563173537,"num_words":51,"start":36.14,"end":48.815},{"sentences":[{"text":"Yep.","start":51.275,"end":51.75,"sentiment":"neutral","sentiment_score":0.03272697702050209},{"text":"Yep.","start":51.91,"end":52.41,"sentiment":"neutral","sentiment_score":0.03256349638104439},{"text":"Fantastic.","start":58.63,"end":59.13,"sentiment":"positive","sentiment_score":0.5442343354225159},{"text":"Thank you so much for that.","start":59.27,"end":60.39,"sentiment":"positive","sentiment_score":0.5698507328828176},{"text":"And how's your day been?","start":60.39,"end":61.77,"sentiment":"neutral","sentiment_score":0.28687878549098966}],"sentiment":"positive","sentiment_score":0.39021593811256544,"num_words":14,"start":51.275,"end":61.77},{"sentences":[{"text":"I bet it is.","start":64.645,"end":65.685,"sentiment":"neutral","sentiment_score":-0.032796699088066816},{"text":"Look, I'm pretty lucky.","start":65.685,"end":66.645,"sentiment":"neutral","sentiment_score":-0.05062057729810476},{"text":"I work in an air conditioned office, but I bet when I walk outside this afternoon, it's gonna hit me.","start":66.645,"end":71.284996,"sentiment":"neutral","sentiment_score":-0.08480547312647105},{"text":"So I I bet.","start":71.284996,"end":78.439995,"sentiment":"neutral","sentiment_score":0.022074095904827118},{"text":"I bet.","start":78.439995,"end":79.259995,"sentiment":"neutral","sentiment_score":0.12225112318992615}],"sentiment":"neutral","sentiment_score":-0.04991117464926313,"num_words":34,"start":64.645,"end":79.259995},{"sentences":[{"text":"So I'm really actually actually quite excited to get to know you.","start":79.32,"end":82.439995,"sentiment":"neutral","sentiment_score":0.3225836145381133},{"text":"No.","start":82.439995,"end":82.68,"sentiment":"neutral","sentiment_score":-0.021426809951663017},{"text":"We haven't spoken before, but I do work very closely with Maddie there.","start":82.68,"end":86.22,"sentiment":"neutral","sentiment_score":0.012341105594084812},{"text":"She did let me know just before the call that you wanted to sort of have a bit of a chat about the insurance.","start":86.52,"end":91.915,"sentiment":"neutral","sentiment_score":0.040367275942116976},{"text":"Is there anything else that you would sort of like me to touch base on with part of your annual review?","start":91.975,"end":96.395,"sentiment":"neutral","sentiment_score":0.05723009950348309}],"sentiment":"neutral","sentiment_score":0.08705151618891199,"num_words":71,"start":79.32,"end":96.395},{"sentences":[{"text":"Yeah.","start":107.5,"end":108.0,"sentiment":"neutral","sentiment_score":-0.025793805718421936},{"text":"Yep.","start":116.555,"end":116.875,"sentiment":"neutral","sentiment_score":0.020125601440668103},{"text":"Yep.","start":116.875,"end":117.275,"sentiment":"neutral","sentiment_score":0.04457574710249901},{"text":"That's okay.","start":117.275,"end":117.915,"sentiment":"neutral","sentiment_score":0.20526890456676483},{"text":"That's absolutely not a problem.","start":117.915,"end":119.455,"sentiment":"neutral","sentiment_score":0.19842919409275056}],"sentiment":"neutral","sentiment_score":0.14415913224220275,"num_words":10,"start":107.5,"end":119.455},{"sentences":[{"text":"So you did mention that you were looking at maybe increasing your current trauma policy, but you wanted to hold off on that now.","start":119.995,"end":125.995,"sentiment":"neutral","sentiment_score":-0.028188016420851152},{"text":"Is that right?","start":125.995,"end":126.475,"sentiment":"neutral","sentiment_score":0.014351162438591322},{"text":"Is there any particular reason you're not wanting to maybe increase it?","start":126.475,"end":126.855,"sentiment":"neutral","sentiment_score":-0.1145709032813708},{"text":"Or I'm Yeah.","start":126.855,"end":143.745,"sentiment":"neutral","sentiment_score":-0.030702222138643265},{"text":"Yeah.","start":146.205,"end":146.705,"sentiment":"neutral","sentiment_score":-0.016351915895938873}],"sentiment":"neutral","sentiment_score":-0.049227170429604,"num_words":43,"start":119.995,"end":146.705},{"sentences":[{"text":"Yeah.","start":149.245,"end":149.745,"sentiment":"neutral","sentiment_score":-0.024893656373023987},{"text":"Yep.","start":151.165,"end":151.665,"sentiment":"neutral","sentiment_score":-0.012849214486777782},{"text":"Absolutely.","start":155.21,"end":155.71,"sentiment":"neutral","sentiment_score":0.09484398365020752},{"text":"Yeah.","start":156.25,"end":156.73001,"sentiment":"neutral","sentiment_score":0.1146388053894043},{"text":"Absolutely.","start":156.73001,"end":157.23001,"sentiment":"neutral","sentiment_score":0.2199389636516571}],"sentiment":"neutral","sentiment_score":0.07833577636629344,"num_words":5,"start":149.245,"end":157.23001},{"sentences":[{"text":"Well, congratulations on on having another baby.","start":157.69,"end":160.81,"sentiment":"positive","sentiment_score":0.5195551812648773},{"text":"When are they when is it due?","start":160.81,"end":162.59,"sentiment":"neutral","sentiment_score":0.14478397795132228},{"text":"Wow.","start":165.38501,"end":165.705,"sentiment":"positive","sentiment_score":0.4461066424846649},{"text":"That's exciting.","start":165.705,"end":166.445,"sentiment":"positive","sentiment_score":0.6590964198112488},{"text":"That'll be a big change from one to two.","start":166.505,"end":168.845,"sentiment":"positive","sentiment_score":0.4403428898917304}],"sentiment":"positive","sentiment_score":0.399144600217159,"num_words":26,"start":157.69,"end":168.845},{"sentences":[{"text":"Oh, no.","start":174.585,"end":174.985,"sentiment":"neutral","sentiment_score":0.13788167387247086},{"text":"That is very exciting for you.","start":174.985,"end":176.505,"sentiment":"positive","sentiment_score":0.3678029278914134},{"text":"Congratulations.","start":176.505,"end":177.005,"sentiment":"positive","sentiment_score":0.5849512815475464},{"text":"I hope you get some downtime to enjoy the new bub when they come.","start":177.225,"end":180.53,"sentiment":"positive","sentiment_score":0.45224747700350626},{"text":"Yeah.","start":181.63,"end":182.13,"sentiment":"neutral","sentiment_score":0.1345468908548355}],"sentiment":"positive","sentiment_score":0.39723099023103714,"num_words":24,"start":174.585,"end":182.13},{"sentences":[{"text":"Absolutely.","start":183.79001,"end":184.29001,"sentiment":"neutral","sentiment_score":0.205768421292305},{"text":"Oh, cool.","start":184.99,"end":185.47,"sentiment":"neutral","sentiment_score":0.3042207658290863},{"text":"We can absolutely look at child cover there for you.","start":185.47,"end":187.55,"sentiment":"neutral","sentiment_score":0.21934059262275696},{"text":"It's not a problem.","start":187.55,"end":188.35,"sentiment":"neutral","sentiment_score":0.16417362913489342},{"text":"Now having a look at the circumstances here, I've got down here that your current child, he is almost two.","start":188.35,"end":194.19,"sentiment":"neutral","sentiment_score":0.019005884416401386}],"sentiment":"neutral","sentiment_score":0.10930886713636888,"num_words":37,"start":183.79001,"end":194.19},{"sentences":[{"text":"Is that right?","start":194.19,"end":195.01001,"sentiment":"neutral","sentiment_score":0.053157735615968704},{"text":"Yeah.","start":197.075,"end":197.575,"sentiment":"neutral","sentiment_score":0.24190720915794373},{"text":"Perfect.","start":197.63501,"end":198.13501,"sentiment":"positive","sentiment_score":0.3371116518974304},{"text":"So in order to be able to get child cover, the child does need to be two.","start":198.355,"end":201.715,"sentiment":"neutral","sentiment_score":0.09215475575012319},{"text":"However, with there's nothing wrong with recommending it prior, and then we just go through the app the application when they turn two or when they're close to the age of two, which is not a problem at all.","start":201.715,"end":211.29,"sentiment":"neutral","sentiment_score":0.12380606499619973}],"sentiment":"neutral","sentiment_score":0.11694359754929777,"num_words":61,"start":194.19,"end":211.29},{"sentences":[{"text":"If you like, having a think about the sort of child cover you have now, the generally, it starts around 50,000.","start":212.01,"end":218.17,"sentiment":"neutral","sentiment_score":0.024090791919401715},{"text":"Is there an amount you would like to be covered for, or are you just sort of wanting to find something that's been in your budget?","start":218.17,"end":224.59,"sentiment":"neutral","sentiment_score":0.030670931509051185},{"text":"Yep.","start":232.155,"end":232.635,"sentiment":"neutral","sentiment_score":0.1829988956451416},{"text":"Yep.","start":232.635,"end":233.135,"sentiment":"neutral","sentiment_score":0.1503520905971527},{"text":"Perfect.","start":233.595,"end":234.095,"sentiment":"positive","sentiment_score":0.7034564018249512}],"sentiment":"neutral","sentiment_score":0.04680316475220025,"num_words":50,"start":212.01,"end":234.095},{"sentences":[{"text":"Excellent.","start":236.075,"end":236.575,"sentiment":"positive","sentiment_score":0.6650859713554382},{"text":"Not a problem at all.","start":236.955,"end":238.17,"sentiment":"positive","sentiment_score":0.3575692653656006},{"text":"I'll have a look at one pass.","start":238.17,"end":239.61,"sentiment":"neutral","sentiment_score":0.19204289785453252},{"text":"But are you open to me going out there and having a look at other providers if there is a benefit to doing so, if it's gonna be maybe cheaper for you and provide a little bit of a, you know, not so hard on your budget?","start":239.61,"end":250.59,"sentiment":"neutral","sentiment_score":0.17644578147124737},{"text":"Yeah.","start":251.78499,"end":252.28499,"sentiment":"neutral","sentiment_score":0.0585484616458416}],"sentiment":"neutral","sentiment_score":0.19915955367146945,"num_words":61,"start":236.075,"end":252.28499},{"sentences":[{"text":"Yeah.","start":256.665,"end":257.165,"sentiment":"neutral","sentiment_score":0.027557695284485817},{"text":"Yep.","start":258.26498,"end":258.76498,"sentiment":"neutral","sentiment_score":0.033069342374801636},{"text":"Oh, perfect.","start":260.82498,"end":261.805,"sentiment":"neutral","sentiment_score":-0.024144507944583893},{"text":"No.","start":262.985,"end":263.305,"sentiment":"neutral","sentiment_score":0.015885811299085617},{"text":"Absolutely.","start":263.305,"end":263.805,"sentiment":"neutral","sentiment_score":0.15038689970970154}],"sentiment":"neutral","sentiment_score":0.029768455463151138,"num_words":6,"start":256.665,"end":263.805},{"sentences":[{"text":"You have us.","start":264.025,"end":264.585,"sentiment":"neutral","sentiment_score":0.11500812073548634},{"text":"If you have to claim, you come to us, and we do all the hard work for you.","start":264.585,"end":267.49,"sentiment":"neutral","sentiment_score":0.19870302370852894},{"text":"So it's not a problem at all.","start":267.49,"end":269.27,"sentiment":"neutral","sentiment_score":0.15956359037331172},{"text":"Excellent.","start":270.44998,"end":270.94998,"sentiment":"positive","sentiment_score":0.44533929228782654},{"text":"Not a problem at all.","start":271.01,"end":271.73,"sentiment":"neutral","sentiment_score":0.2823229253292084}],"sentiment":"neutral","sentiment_score":0.20281111295608914,"num_words":34,"start":264.025,"end":271.73},{"sentences":[{"text":"Well, I'll have a look at one path and see what it looks like, see if we can link it together and how we can make it cost effective, but I'll also look at other providers out there.","start":271.73,"end":279.105,"sentiment":"neutral","sentiment_score":0.20055362405745605},{"text":"Part of my job is looking at the cost of the product, but also making sure the product is important to you and that you can claim on it.","start":279.42502,"end":285.98502,"sentiment":"neutral","sentiment_score":0.18137798381262812},{"text":"So I do go back, and I have personally do have a look at all the PDFs.","start":285.98502,"end":289.605,"sentiment":"neutral","sentiment_score":0.09436246840392842},{"text":"I have a look at what the trauma conditions are that can be covered and also which providers may have additional covers or allow to, you know I'm sorry.","start":289.665,"end":301.46002,"sentiment":"neutral","sentiment_score":0.03157454353339713},{"text":"Allow to claim on earlier conditions as well.","start":301.46002,"end":303.94,"sentiment":"neutral","sentiment_score":0.032907565124332905}],"sentiment":"neutral","sentiment_score":0.12945523546346702,"num_words":121,"start":271.73,"end":303.94},{"sentences":[{"text":"Because the main ones for a child trauma policy are and the biggest ones are definitely cancer, so child cancer, but they do also cover blindness, you know, losing a limb.","start":303.94,"end":314.245,"sentiment":"neutral","sentiment_score":-0.036976969350249536},{"text":"It's all very much major conditions that can occur.","start":314.245,"end":316.965,"sentiment":"neutral","sentiment_score":-0.027844006816546123},{"text":"So we wanna make sure because trauma is it's probably one of the least likely ones that you're gonna claim on.","start":316.965,"end":322.44998,"sentiment":"neutral","sentiment_score":0.042097924543278556},{"text":"So we wanna make sure that it's in the event of a claim that you can claim for as many things as you possibly can.","start":322.44998,"end":328.13,"sentiment":"neutral","sentiment_score":0.12790918618440628},{"text":"Okay?","start":328.13,"end":328.63,"sentiment":"neutral","sentiment_score":0.05487592518329621}],"sentiment":"neutral","sentiment_score":0.03149172280454773,"num_words":87,"start":303.94,"end":328.63},{"sentences":[{"text":"Yep.","start":329.57,"end":330.05,"sentiment":"neutral","sentiment_score":0.0403439924120903},{"text":"Beautiful.","start":330.05,"end":330.55,"sentiment":"positive","sentiment_score":0.7524691820144653},{"text":"And I'll look at a 100,000 there for you.","start":331.09,"end":333.33,"sentiment":"positive","sentiment_score":0.39633942312664455},{"text":"It's not a problem at all.","start":333.33,"end":334.845,"sentiment":"positive","sentiment_score":0.42111783226331073},{"text":"When I do look up, his child child trauma policies are great because the longer you hold the policy, admittedly, it does get more expensive over time as with all insurances.","start":334.925,"end":344.865,"sentiment":"neutral","sentiment_score":0.09624166894824274}],"sentiment":"neutral","sentiment_score":0.20562638986545304,"num_words":48,"start":329.57,"end":344.865},{"sentences":[{"text":"But when your child generally turns a certain age, some providers, it's 15, 16, some providers, it can be age 20.","start":345.085,"end":352.13998,"sentiment":"neutral","sentiment_score":0.044221501353950726},{"text":"It actually converts into an adult life policy for the child.","start":352.28,"end":355.4,"sentiment":"neutral","sentiment_score":0.14309073916890405},{"text":"And because they've had it for such a long time, there's really no underwriting, and they often have no exclusions or loadings on those policies.","start":355.4,"end":362.59998,"sentiment":"neutral","sentiment_score":0.08052869565784931},{"text":"So it can provide that benefit for them as well.","start":362.59998,"end":364.575,"sentiment":"neutral","sentiment_score":0.3299853950738907},{"text":"Yeah.","start":364.575,"end":365.075,"sentiment":"neutral","sentiment_score":0.1412311494350433}],"sentiment":"neutral","sentiment_score":0.11701400221928078,"num_words":68,"start":345.085,"end":365.075},{"sentences":[{"text":"Yep.","start":375.215,"end":375.715,"sentiment":"neutral","sentiment_score":0.03554249927401543},{"text":"Yes.","start":375.935,"end":376.435,"sentiment":"neutral","sentiment_score":0.06111935153603554},{"text":"Yes.","start":377.85,"end":378.35,"sentiment":"neutral","sentiment_score":0.0980193167924881},{"text":"Yeah.","start":381.13,"end":381.63,"sentiment":"neutral","sentiment_score":0.157829612493515},{"text":"Absolutely.","start":381.69,"end":382.19,"sentiment":"neutral","sentiment_score":0.2367725372314453}],"sentiment":"neutral","sentiment_score":0.11785666346549988,"num_words":5,"start":375.215,"end":382.19},{"sentences":[{"text":"And I've got all the details here.","start":382.81003,"end":384.41,"sentiment":"neutral","sentiment_score":0.12390951705830437},{"text":"So I can see here that on your policies at the moment, on your TPD, you do have a mental health exclusion, which basically notes here that you're unable to claim for mental health or for any illness or injury that is a result of the mental health.","start":384.41,"end":400.325,"sentiment":"neutral","sentiment_score":-0.013483456374766925},{"text":"With a mental health exclusion, just in case no one has kind of mentioned it to you, as long as you are without any medication or symptoms for around about five to six years, we can often have that reviewed.","start":400.625,"end":411.72998,"sentiment":"neutral","sentiment_score":-0.006243434734642506},{"text":"Some insurers do like do allow us to review it at around about three to four years as well.","start":412.43,"end":417.71,"sentiment":"neutral","sentiment_score":0.036936383890478236},{"text":"So, we will just keep up to date with you and see how things are going, and you can sort of let us know how comfortable you are with the information you're providing.","start":417.71,"end":426.745,"sentiment":"neutral","sentiment_score":0.17196041706836585}],"sentiment":"neutral","sentiment_score":0.04317624749121617,"num_words":147,"start":382.81003,"end":426.745},{"sentences":[{"text":"And, you know, with mental health, it is it can be very hard to disclose the information.","start":426.745,"end":431.005,"sentiment":"neutral","sentiment_score":-0.02543078319114797},{"text":"So when you are comfortable to do so, you just let us know what's happening, and we can definitely look to review that for you.","start":431.225,"end":437.46002,"sentiment":"neutral","sentiment_score":0.1457489636540413},{"text":"Okay?","start":437.46002,"end":437.96002,"sentiment":"neutral","sentiment_score":0.06938125193119049},{"text":"Yep.","start":439.22,"end":439.72,"sentiment":"neutral","sentiment_score":0.2011655420064926},{"text":"Perfect.","start":440.1,"end":440.5,"sentiment":"positive","sentiment_score":0.4710846245288849}],"sentiment":"neutral","sentiment_score":0.087845159901513,"num_words":45,"start":426.745,"end":440.5},{"sentences":[{"text":"Look.","start":440.5,"end":440.82,"sentiment":"neutral","sentiment_score":0.24190810322761536},{"text":"I'm honestly very open with mine as well, Tyler.","start":440.82,"end":443.22,"sentiment":"neutral","sentiment_score":0.22138550049728817},{"text":"So I have insurance policies, and I also have a mental health exclusion on my policy as well.","start":443.22,"end":448.05502,"sentiment":"neutral","sentiment_score":-0.18575881545742354},{"text":"So I've had depression in the past, so it's one of those things.","start":448.05502,"end":452.075,"sentiment":"neutral","sentiment_score":-0.2519381665266477},{"text":"Yeah.","start":452.295,"end":452.795,"sentiment":"neutral","sentiment_score":-0.21906480193138125}],"sentiment":"neutral","sentiment_score":-0.10960814374543372,"num_words":42,"start":440.5,"end":452.795},{"sentences":[{"text":"It does.","start":455.495,"end":456.23502,"sentiment":"neutral","sentiment_score":0.007485676556825638},{"text":"It does.","start":457.66998,"end":458.33,"sentiment":"neutral","sentiment_score":0.01931781694293022},{"text":"Yeah.","start":459.43,"end":459.93,"sentiment":"neutral","sentiment_score":-0.066771000623703},{"text":"No.","start":460.55,"end":460.87,"sentiment":"neutral","sentiment_score":-0.15872347354888916},{"text":"Absolutely.","start":460.87,"end":461.37,"sentiment":"neutral","sentiment_score":-0.025646716356277462}],"sentiment":"neutral","sentiment_score":-0.028219171932765415,"num_words":7,"start":455.495,"end":461.37},{"sentences":[{"text":"So we'll definitely keep informed with you and see how things are going, and we'll definitely look to review that on the track, but a mental health exclusion is one of those ones that can be removed, which is really good to know.","start":461.83,"end":471.44998,"sentiment":"neutral","sentiment_score":-0.017553715771713923},{"text":"And then I've also got here that we've got the right shoulder exclusion on the TPD and the income protection policy there again.","start":472.845,"end":479.505,"sentiment":"neutral","sentiment_score":-0.05600691019840862},{"text":"So, again, just any illness or injury in relation to the right shoulder.","start":479.645,"end":483.505,"sentiment":"neutral","sentiment_score":-0.13341437795987496},{"text":"If there is anything else so, generally, say, if you had a car accident or something had happened to you and you still had a an injury on the right shoulder, we would still try to claim against that because, obviously, the it's not not caused by your previous illness or injury.","start":483.965,"end":500.03,"sentiment":"neutral","sentiment_score":-0.10968862402324493},{"text":"But when the assessors gonna look at that, they're gonna look at whether is it linked or can it be linked in any way, shape, or form, or would say somebody else have claimed for the same thing if they've had a car accident.","start":500.03,"end":512.665,"sentiment":"neutral","sentiment_score":-0.04374766582623124}],"sentiment":"neutral","sentiment_score":-0.06517749355307648,"num_words":175,"start":461.83,"end":512.665},{"sentences":[{"text":"So it doesn't stop us from trying to make the claim.","start":512.725,"end":515.765,"sentiment":"neutral","sentiment_score":0.020500918172977188},{"text":"It's just how the assessors will assess that for you if that helps.","start":515.765,"end":519.18,"sentiment":"neutral","sentiment_score":0.060421448487501875},{"text":"Okay?","start":519.42,"end":519.92,"sentiment":"neutral","sentiment_score":0.02545870654284954},{"text":"Yeah.","start":521.18,"end":521.68,"sentiment":"neutral","sentiment_score":0.0956958532333374},{"text":"Beautiful.","start":522.3,"end":522.8,"sentiment":"positive","sentiment_score":0.3885414004325866}],"sentiment":"neutral","sentiment_score":0.056321662609223964,"num_words":27,"start":512.725,"end":522.8},{"sentences":[{"text":"Now while I do have you here, it's important as part of our review process that we do review your insurance levels as well.","start":523.74,"end":529.89996,"sentiment":"neutral","sentiment_score":0.1251429095864296},{"text":"So at the moment, you've got your life and TPD and your income protection policy.","start":529.89996,"end":534.795,"sentiment":"neutral","sentiment_score":0.0009622056037187574},{"text":"They're paid out of super.","start":534.795,"end":536.175,"sentiment":"neutral","sentiment_score":-0.016347627714276315},{"text":"Your current life insured, you've got and so TPD cover, you're covered for a million dollars even.","start":536.635,"end":542.015,"sentiment":"neutral","sentiment_score":0.01462670196505154},{"text":"When we look at because your balance in Super as of today sorry.","start":542.715,"end":546.13995,"sentiment":"neutral","sentiment_score":-0.010481994025982343}],"sentiment":"neutral","sentiment_score":0.04119611873820021,"num_words":74,"start":523.74,"end":546.13995},{"sentences":[{"text":"I'm just also pulling this up.","start":546.13995,"end":547.75995,"sentiment":"neutral","sentiment_score":-0.06206951600809892},{"text":"My computer's a little bit slow for the afternoon.","start":548.62,"end":550.95996,"sentiment":"neutral","sentiment_score":-0.16616756137874392},{"text":"Your balance your balance inside Super is about 82,335.","start":551.74,"end":558.22,"sentiment":"neutral","sentiment_score":0.027245707189043362},{"text":"So I do apologize.","start":558.22,"end":559.815,"sentiment":"neutral","sentiment_score":-0.048504071310162544},{"text":"These conversations get a little bit more, but but in the event of passing with claiming on the last cover, the million dollars is paid out to your beneficiaries, but then also see your super balance there.","start":559.875,"end":571.02,"sentiment":"neutral","sentiment_score":0.0410071819315891}],"sentiment":"neutral","sentiment_score":-0.004607143654273106,"num_words":65,"start":546.13995,"end":571.02},{"sentences":[{"text":"So you get that $11,082,335 given your circumstances there.","start":571.02,"end":577.04004,"sentiment":"neutral","sentiment_score":0.13009412669473225},{"text":"Is that is that giving you enough cover?","start":577.82,"end":580.22003,"sentiment":"neutral","sentiment_score":0.14563780091702938},{"text":"Is that sort of meeting your goal?","start":580.22003,"end":581.66003,"sentiment":"neutral","sentiment_score":0.14073570285524642},{"text":"Are you wanting to review that level at the moment?","start":581.66003,"end":583.9,"sentiment":"neutral","sentiment_score":0.037494083121418956},{"text":"Do you feel pretty comfortable with that level of cover?","start":583.9,"end":586.32,"sentiment":"neutral","sentiment_score":0.02403861880302429}],"sentiment":"neutral","sentiment_score":0.08946423833681778,"num_words":44,"start":571.02,"end":586.32},{"sentences":[{"text":"Yeah.","start":589.575,"end":590.075,"sentiment":"neutral","sentiment_score":-0.009759413078427316},{"text":"Yep.","start":594.215,"end":594.615,"sentiment":"neutral","sentiment_score":0.15180808305740356},{"text":"Yep.","start":594.615,"end":595.09503,"sentiment":"neutral","sentiment_score":0.25994402170181274},{"text":"Beautiful.","start":595.09503,"end":595.59503,"sentiment":"positive","sentiment_score":0.5419290065765381},{"text":"And in the event of passing, I can see here that you do have your home and your mortgage owing at the moment.","start":596.615,"end":602.87,"sentiment":"neutral","sentiment_score":0.1106290525716284}],"sentiment":"neutral","sentiment_score":0.12919962620017705,"num_words":27,"start":589.575,"end":602.87},{"sentences":[{"text":"Are you sort of wanting the the funds to be paid to your your partner so you can have the mortgage cleared and then provide additional income and support for your family?","start":603.08997,"end":610.69,"sentiment":"neutral","sentiment_score":0.13916901464108378},{"text":"Is that Yep.","start":610.69,"end":614.165,"sentiment":"neutral","sentiment_score":0.20170234143733978},{"text":"Yeah.","start":617.185,"end":617.585,"sentiment":"neutral","sentiment_score":0.21846002340316772},{"text":"Yeah.","start":617.585,"end":617.90497,"sentiment":"neutral","sentiment_score":0.31429585814476013},{"text":"Perfect.","start":617.90497,"end":618.40497,"sentiment":"positive","sentiment_score":0.5806888937950134}],"sentiment":"neutral","sentiment_score":0.16242000705709583,"num_words":38,"start":603.08997,"end":618.40497},{"sentences":[{"text":"Excellent.","start":618.785,"end":619.285,"sentiment":"positive","sentiment_score":0.5288589000701904},{"text":"Now the next thing we have here is your TBD cover, and I can see with your TBD cover, again, you've got a million dollars in cover.","start":620.065,"end":627.24,"sentiment":"neutral","sentiment_score":0.1171800215487127},{"text":"Now one of the things I do like to be honest and open about is that TBD, if in the event of claiming, is a taxable payment.","start":627.48,"end":634.77997,"sentiment":"neutral","sentiment_score":-0.015214829809135862},{"text":"So, unfortunately, there is tax deducted out of that.","start":634.92,"end":638.3,"sentiment":"neutral","sentiment_score":-0.17798594468169743},{"text":"With they see us coming in all areas, don't they?","start":639.56,"end":643.245,"sentiment":"neutral","sentiment_score":0.003147117793560028}],"sentiment":"neutral","sentiment_score":0.02312860476809579,"num_words":74,"start":618.785,"end":643.245},{"sentences":[{"text":"So with the TBD, if you were to claim on TBD again, your super is released because you can release super under the permanent incapacity.","start":646.185,"end":654.125,"sentiment":"neutral","sentiment_score":-0.007006667802343145},{"text":"With the tax on TBD, essentially, the tax would be on the full amount.","start":655.13,"end":659.21,"sentiment":"neutral","sentiment_score":-0.007326923842941012},{"text":"So your TBD is released to your super, and then the full amount is taxed.","start":659.21,"end":662.65,"sentiment":"neutral","sentiment_score":0.04987520550688108},{"text":"It can be up to 22%.","start":662.65,"end":664.51,"sentiment":"neutral","sentiment_score":0.039120410258571305},{"text":"If in the event of you having to make a claim on TBD, we would do advise and help you to minimize the tax payable.","start":665.05,"end":671.905,"sentiment":"neutral","sentiment_score":0.055607554465532304}],"sentiment":"neutral","sentiment_score":0.02465053855215528,"num_words":85,"start":646.185,"end":671.905},{"sentences":[{"text":"But I like to kinda give you worst case scenario to make sure that we're open and honest with you.","start":671.905,"end":677.205,"sentiment":"neutral","sentiment_score":0.08077620714902878},{"text":"But, essentially, the tax on TBD payments can be up to 22%, and that's tax is always deducted out until you reach the age of 60.","start":677.425,"end":687.34,"sentiment":"neutral","sentiment_score":0.0029375417014727225},{"text":"So it's any claim up until the age of 60.","start":687.34,"end":690.0,"sentiment":"neutral","sentiment_score":0.01684812977910042},{"text":"Given the level of cover you have at the moment for your super balance and your TBD, the estimated tax on that would be about $238,000.","start":690.38,"end":700.015,"sentiment":"neutral","sentiment_score":0.03995522040014084},{"text":"So you'd receive your benefit minus that $2.38.","start":700.075,"end":703.615,"sentiment":"neutral","sentiment_score":0.13431353867053986}],"sentiment":"neutral","sentiment_score":0.04415250627530946,"num_words":90,"start":671.905,"end":703.615},{"sentences":[{"text":"That would still realistically clear your mortgage and provide additional support to yourself and your family knowing that that can be reduced down the future, are you still comfortable with that level of PPD you have at the moment?","start":703.91504,"end":718.96,"sentiment":"neutral","sentiment_score":0.2012705891751326},{"text":"Yeah.","start":722.54,"end":723.04,"sentiment":"neutral","sentiment_score":-0.018077410757541656},{"text":"I know.","start":725.86505,"end":726.525,"sentiment":"neutral","sentiment_score":-0.07520370930433273},{"text":"Yeah.","start":727.145,"end":727.645,"sentiment":"neutral","sentiment_score":-0.035266757011413574},{"text":"Well, it all it all happens automatically.","start":730.505,"end":732.685,"sentiment":"neutral","sentiment_score":0.023209481233997003}],"sentiment":"neutral","sentiment_score":0.1561653552018106,"num_words":50,"start":703.91504,"end":732.685},{"sentences":[{"text":"So when you kind of when you get your TBD payout, the tax is sort of withheld from the Superfund and it kinda goes to the ATO that way.","start":732.98505,"end":741.42,"sentiment":"neutral","sentiment_score":-0.026438417780245173},{"text":"So then when you go to either your tax return, that payment is already sitting on your myGov account.","start":741.42,"end":747.34,"sentiment":"neutral","sentiment_score":-0.044668085579025116},{"text":"They already know about it.","start":747.34,"end":748.78,"sentiment":"neutral","sentiment_score":-0.08650979697704315},{"text":"So it's it's not fun.","start":748.78,"end":751.74,"sentiment":"negative","sentiment_score":-0.3612016811966896},{"text":"I personally disagree with that.","start":751.74,"end":753.13495,"sentiment":"negative","sentiment_score":-0.46066451668739317}],"sentiment":"neutral","sentiment_score":-0.09773472564974947,"num_words":63,"start":732.98505,"end":753.13495},{"sentences":[{"text":"I do not think if your TBD, you've gone yeah.","start":753.13495,"end":756.095,"sentiment":"neutral","sentiment_score":-0.18177944272756577},{"text":"Some sort of disability that stopped you from going back to work, you should not not be disadvantaged and taxed under that.","start":756.095,"end":761.875,"sentiment":"neutral","sentiment_score":-0.2177602005275813},{"text":"But, yeah, it's what it is.","start":762.65497,"end":765.555,"sentiment":"neutral","sentiment_score":-0.062407419085502625},{"text":"That's that's exactly right.","start":767.47,"end":769.06995,"sentiment":"neutral","sentiment_score":-0.004004927410278469},{"text":"But now look.","start":769.06995,"end":769.63,"sentiment":"neutral","sentiment_score":0.015415376673142115}],"sentiment":"neutral","sentiment_score":-0.15450526517815888,"num_words":45,"start":753.13495,"end":769.63},{"sentences":[{"text":"I just like to make sure I'm open and honest and that I'm providing you with the information that you need to make these informed decisions.","start":769.63,"end":775.73,"sentiment":"neutral","sentiment_score":0.20750169599285492},{"text":"In saying that, as I mentioned before, we've if you had a claim on TBD, we've helped you to the claim, and then we will also help you to provide advice to help mitigate or reduce the amount of tax as much as possible.","start":776.50995,"end":788.795,"sentiment":"neutral","sentiment_score":0.18523144552653487},{"text":"Okay?","start":788.935,"end":789.435,"sentiment":"neutral","sentiment_score":0.05868902429938316},{"text":"Yep.","start":790.695,"end":791.195,"sentiment":"neutral","sentiment_score":0.0314900241792202},{"text":"Perfect.","start":791.415,"end":791.915,"sentiment":"positive","sentiment_score":0.45458224415779114}],"sentiment":"neutral","sentiment_score":0.1930135478303857,"num_words":73,"start":769.63,"end":791.915},{"sentences":[{"text":"Perfect.","start":792.375,"end":792.875,"sentiment":"positive","sentiment_score":0.5004603862762451},{"text":"So we're happy with this to leave the life on TPD for the moment.","start":792.935,"end":796.5,"sentiment":"positive","sentiment_score":0.3821004458836147},{"text":"If you ever have any questions about either of those covers or wanted to review any of those at any time, you are welcome to let me know, and I'll make time to go through it in more detail with you as well.","start":796.58,"end":807.7,"sentiment":"neutral","sentiment_score":0.11061633919733901},{"text":"Okay?","start":807.7,"end":808.2,"sentiment":"neutral","sentiment_score":0.05957258492708206},{"text":"Yep.","start":809.47504,"end":809.97504,"sentiment":"neutral","sentiment_score":0.19434842467308044}],"sentiment":"neutral","sentiment_score":0.18100483706220985,"num_words":60,"start":792.375,"end":809.97504},{"sentences":[{"text":"Perfect.","start":810.03503,"end":810.53503,"sentiment":"positive","sentiment_score":0.47550779581069946},{"text":"Now with the income protection side of things here, I can see that you have a monthly benefit amount of 5,414.","start":811.395,"end":818.515,"sentiment":"neutral","sentiment_score":0.09590220646489234},{"text":"Again, if you were on an income protection claim, the monthly benefit is taxed the same as your current income is.","start":818.515,"end":824.83,"sentiment":"neutral","sentiment_score":0.03657887148715201},{"text":"Income protection is taxable again.","start":824.89,"end":826.99,"sentiment":"neutral","sentiment_score":-0.009916417114436627},{"text":"Your income I had noted here was sorry.","start":827.69,"end":831.21,"sentiment":"neutral","sentiment_score":-0.03552600368857384}],"sentiment":"neutral","sentiment_score":0.05221107710219387,"num_words":56,"start":810.03503,"end":831.21},{"sentences":[{"text":"Just running up the screen a bit.","start":831.21,"end":833.445,"sentiment":"neutral","sentiment_score":-0.04152294195124081},{"text":"I had you on about 92,820.","start":834.005,"end":837.365,"sentiment":"neutral","sentiment_score":-0.0031172792272021375},{"text":"Have you had any kind of pay increases since we last caught up?","start":837.365,"end":841.545,"sentiment":"neutral","sentiment_score":-0.014500225679232525},{"text":"99,000 400?","start":849.54004,"end":851.32,"sentiment":"neutral","sentiment_score":0.005759102758020163},{"text":"Okay.","start":851.38,"end":851.86005,"sentiment":"neutral","sentiment_score":0.08383141458034515}],"sentiment":"neutral","sentiment_score":-0.013879916646742615,"num_words":29,"start":831.21,"end":851.86005},{"sentences":[{"text":"Perfect.","start":851.86005,"end":852.36005,"sentiment":"neutral","sentiment_score":0.2727612555027008},{"text":"So if I look at that now with income protection, you can be covered for up to 70% of your current income amount.","start":853.14,"end":859.855,"sentiment":"neutral","sentiment_score":0.09897406285871631},{"text":"So based on the change of your income, you are slightly underinsured there a little bit.","start":859.855,"end":865.555,"sentiment":"neutral","sentiment_score":-0.03564812580589205},{"text":"We would need to if you wanted to be covered for the 70%, be looking to increase that monthly benefit to 5,798.","start":865.69495,"end":875.06,"sentiment":"neutral","sentiment_score":0.029356657273390076},{"text":"You are only just underinsured a little bit.","start":875.84,"end":878.32,"sentiment":"neutral","sentiment_score":-0.07710035424679518}],"sentiment":"neutral","sentiment_score":0.028683404491416046,"num_words":70,"start":851.86005,"end":878.32},{"sentences":[{"text":"So did you wanna look at maybe increasing that, or are you comfortable with the level you have at the moment?","start":878.32,"end":883.06,"sentiment":"neutral","sentiment_score":-0.012205772412319979},{"text":"Yeah.","start":883.84,"end":884.34,"sentiment":"neutral","sentiment_score":0.027675949037075043},{"text":"Okay.","start":888.815,"end":889.21497,"sentiment":"neutral","sentiment_score":0.270993709564209},{"text":"Perfect.","start":889.21497,"end":889.71497,"sentiment":"positive","sentiment_score":0.5296061038970947},{"text":"Beautiful.","start":891.13495,"end":891.63495,"sentiment":"positive","sentiment_score":0.40783029794692993}],"sentiment":"neutral","sentiment_score":0.039191393591463564,"num_words":25,"start":878.32,"end":891.63495},{"sentences":[{"text":"And do you have much in the way of long sir sorry.","start":892.175,"end":894.495,"sentiment":"neutral","sentiment_score":-0.007553057745099068},{"text":"Long service leave or sick leave or any annual leave available to you as well?","start":894.495,"end":898.995,"sentiment":"neutral","sentiment_score":-0.03171183367570241},{"text":"Yep.","start":905.41,"end":905.91,"sentiment":"neutral","sentiment_score":0.035668935626745224},{"text":"Yep.","start":912.065,"end":912.565,"sentiment":"neutral","sentiment_score":0.05566431209445},{"text":"Yep.","start":913.10504,"end":913.505,"sentiment":"neutral","sentiment_score":0.10468707978725432}],"sentiment":"neutral","sentiment_score":-0.012343129018942516,"num_words":30,"start":892.175,"end":913.505},{"sentences":[{"text":"Perfect.","start":913.505,"end":914.005,"sentiment":"positive","sentiment_score":0.3537089228630066},{"text":"To fall back on.","start":914.465,"end":915.34503,"sentiment":"neutral","sentiment_score":0.22633874788880348},{"text":"Beautiful.","start":915.34503,"end":915.84503,"sentiment":"positive","sentiment_score":0.5540509223937988},{"text":"Excellent.","start":916.54504,"end":917.025,"sentiment":"positive","sentiment_score":0.510530948638916},{"text":"So with the income protection policy here, you just have a thirty day waiting period.","start":917.025,"end":921.265,"sentiment":"neutral","sentiment_score":0.10023665626843771}],"sentiment":"neutral","sentiment_score":0.17396343770352277,"num_words":22,"start":913.505,"end":921.265},{"sentences":[{"text":"That essentially means you just have to be off work for thirty days prior to making a claim.","start":921.265,"end":925.445,"sentiment":"neutral","sentiment_score":0.03552260332637363},{"text":"What we'd sorta ask is as soon as something happens to you that requires you to be off work, let us know because then we can let the insurer know that the thirty days has started.","start":925.88,"end":936.36,"sentiment":"neutral","sentiment_score":0.059058324330382876},{"text":"So once that thirty days is almost completed, we can send the claim information off.","start":936.36,"end":940.755,"sentiment":"neutral","sentiment_score":0.14423015713691711},{"text":"And that way, it kinda helps to get the claim moving a bit faster for you.","start":940.915,"end":945.955,"sentiment":"positive","sentiment_score":0.3344008019194007},{"text":"Okay?","start":945.955,"end":946.455,"sentiment":"neutral","sentiment_score":0.11208698153495789}],"sentiment":"neutral","sentiment_score":0.12083091517520506,"num_words":86,"start":921.265,"end":946.455},{"sentences":[{"text":"And you've got this six year benefit period, so you can be on a claim for up to six years at that six year mark if you still can't go back to work.","start":947.635,"end":955.54,"sentiment":"neutral","sentiment_score":0.13801150701262735},{"text":"The claim does essentially stop the income protection, but at that point, we'd be looking to try and claim on CBD or looking at what else we can do to help you out there.","start":955.54,"end":964.18,"sentiment":"neutral","sentiment_score":0.05847253913388533},{"text":"Okay.","start":964.18,"end":964.68,"sentiment":"neutral","sentiment_score":0.08334019780158997},{"text":"Yeah.","start":964.89996,"end":965.39996,"sentiment":"neutral","sentiment_score":0.08422328531742096},{"text":"Yeah.","start":965.885,"end":966.385,"sentiment":"neutral","sentiment_score":0.2670985460281372}],"sentiment":"neutral","sentiment_score":0.09967297273022788,"num_words":70,"start":947.635,"end":966.385},{"sentences":[{"text":"Beautiful.","start":966.445,"end":966.945,"sentiment":"positive","sentiment_score":0.6021722555160522},{"text":"Do you have any questions around any of those insurances, anything that we've kinda gone through so far, or is everything all good with those?","start":967.725,"end":974.46497,"sentiment":"neutral","sentiment_score":0.14578409165143966},{"text":"Yep.","start":975.485,"end":975.985,"sentiment":"neutral","sentiment_score":0.05523430556058884},{"text":"Yep.","start":976.445,"end":976.945,"sentiment":"neutral","sentiment_score":0.14811758697032928},{"text":"Perfect.","start":978.3,"end":978.8,"sentiment":"positive","sentiment_score":0.6054743528366089}],"sentiment":"neutral","sentiment_score":0.17433106179895072,"num_words":29,"start":966.445,"end":978.8},{"sentences":[{"text":"Perfect.","start":979.02,"end":979.52,"sentiment":"positive","sentiment_score":0.5339440107345581},{"text":"Now you've also got your out of pocket trauma, which is the 100,000.","start":980.3,"end":984.38,"sentiment":"neutral","sentiment_score":0.13323930077827895},{"text":"You have made mention you're happy with that level, not wanting to look at that now.","start":984.38,"end":988.14,"sentiment":"neutral","sentiment_score":0.15750017063692212},{"text":"But if you do in the future, let me know.","start":988.14,"end":989.82,"sentiment":"neutral","sentiment_score":0.16832539141178132},{"text":"I'm more than happy to sort of re revisit that for you.","start":989.82,"end":992.7,"sentiment":"positive","sentiment_score":0.4373807708422343}],"sentiment":"neutral","sentiment_score":0.2253438618320685,"num_words":52,"start":979.02,"end":992.7},{"sentences":[{"text":"Okay?","start":992.7,"end":993.2,"sentiment":"neutral","sentiment_score":0.22177356481552124},{"text":"Excellent.","start":994.615,"end":995.115,"sentiment":"positive","sentiment_score":0.5806444883346558},{"text":"And you do have a bit of life cover linked to the trauma, which is a great way of structuring it for two reasons.","start":995.335,"end":1000.855,"sentiment":"positive","sentiment_score":0.4407981087764104},{"text":"It gives you that multi policy discounts that can make the trauma policy slightly cheaper for you, which is good.","start":1000.855,"end":1006.23,"sentiment":"positive","sentiment_score":0.4785923182964325},{"text":"But it also means in the event of passing, with policies of life cover held outside of Super, you get access to a funeral benefit, which you don't actually get access to for policies held inside Super.","start":1006.47,"end":1017.99,"sentiment":"neutral","sentiment_score":0.11920650746371295}],"sentiment":"neutral","sentiment_score":0.30559108199843443,"num_words":83,"start":992.7,"end":1017.99},{"sentences":[{"text":"So it means that if in the event you would have passed away, your family can access that funeral benefit.","start":1017.99,"end":1023.245,"sentiment":"neutral","sentiment_score":0.12436074949800968},{"text":"And with one pass, they can actually get access to it's up to $25,000, and all they need to do is provide your the death certificate, and that money is paid upfront for them to help cover the cost of your funeral.","start":1023.305,"end":1037.03,"sentiment":"neutral","sentiment_score":0.17799315724100562},{"text":"So that's a really great benefit that comes with that life policy as well.","start":1037.03,"end":1040.8099,"sentiment":"positive","sentiment_score":0.8032378298895699},{"text":"Absolutely.","start":1047.365,"end":1047.865,"sentiment":"positive","sentiment_score":0.44756656885147095},{"text":"You could go a bit more fancy.","start":1048.245,"end":1049.865,"sentiment":"neutral","sentiment_score":0.22541208884545735}],"sentiment":"neutral","sentiment_score":0.2765917667060248,"num_words":84,"start":1017.99,"end":1049.865},{"sentences":[{"text":"You could have a singer.","start":1049.925,"end":1051.385,"sentiment":"neutral","sentiment_score":0.11070554554462433},{"text":"You you can do whatever you want.","start":1055.365,"end":1057.045,"sentiment":"neutral","sentiment_score":0.017100344811167036},{"text":"You can make sure that money is that 25,000 is fully used for your funeral and have all the bells and whistles.","start":1057.045,"end":1063.15,"sentiment":"neutral","sentiment_score":0.05215772483709522},{"text":"Absolutely.","start":1068.17,"end":1068.67,"sentiment":"neutral","sentiment_score":0.17202939093112946},{"text":"And that kinda comes into the next side of the conversation.","start":1068.97,"end":1071.55,"sentiment":"neutral","sentiment_score":0.0702469562265006}],"sentiment":"neutral","sentiment_score":0.0601183912443483,"num_words":46,"start":1049.925,"end":1071.55},{"sentences":[{"text":"There is the estate planning side.","start":1071.77,"end":1073.53,"sentiment":"neutral","sentiment_score":0.043021271005272865},{"text":"So have you guys drawn up a will, or have you seen a solicitor to draw a will?","start":1073.53,"end":1078.115,"sentiment":"neutral","sentiment_score":0.00010787550773885514},{"text":"I know it said last year that was on the to do list.","start":1078.115,"end":1080.615,"sentiment":"neutral","sentiment_score":-0.01172731129022745},{"text":"Mhmm.","start":1085.875,"end":1086.375,"sentiment":"neutral","sentiment_score":-0.021378010511398315},{"text":"Yep.","start":1090.7699,"end":1091.2699,"sentiment":"neutral","sentiment_score":0.12317678332328796}],"sentiment":"neutral","sentiment_score":0.005369566954099215,"num_words":39,"start":1071.77,"end":1091.2699},{"sentences":[{"text":"Yep.","start":1093.4099,"end":1093.9099,"sentiment":"neutral","sentiment_score":0.14872269332408905},{"text":"Yep.","start":1094.9299,"end":1095.01,"sentiment":"neutral","sentiment_score":0.10060285031795502},{"text":"No.","start":1095.01,"end":1095.25,"sentiment":"neutral","sentiment_score":0.029630515724420547},{"text":"That's okay.","start":1095.25,"end":1096.0499,"sentiment":"neutral","sentiment_score":0.20228424668312073},{"text":"Perfect.","start":1096.0499,"end":1096.5299,"sentiment":"positive","sentiment_score":0.6053650379180908}],"sentiment":"neutral","sentiment_score":0.2148149317751328,"num_words":6,"start":1093.4099,"end":1096.5299},{"sentences":[{"text":"It is definitely one of those things to look at.","start":1096.5299,"end":1098.37,"sentiment":"positive","sentiment_score":0.5451054751873017},{"text":"I can see you've got your beneficiary nomination set up on your and your life cover, which is great.","start":1098.37,"end":1103.915,"sentiment":"positive","sentiment_score":0.5457451390592676},{"text":"That essentially means that in the event of passing, a 100% of the benefits are paid to Rhiannon, to your spouse, which is great.","start":1103.915,"end":1111.615,"sentiment":"positive","sentiment_score":0.4682963863015175},{"text":"That means she can cover the mortgage and take a bit of time, downtime to look after the kids and, you know, provide additional support to family there, which is a benefit.","start":1111.755,"end":1120.07,"sentiment":"positive","sentiment_score":0.4543445808812976},{"text":"But there's also all those other assets outside of Super to any savings and things like that.","start":1120.93,"end":1125.57,"sentiment":"neutral","sentiment_score":0.27927976934348836}],"sentiment":"positive","sentiment_score":0.4543736111007485,"num_words":102,"start":1096.5299,"end":1125.57},{"sentences":[{"text":"And it will not only use to see yourself, but it's also for your partner as well.","start":1125.57,"end":1129.17,"sentiment":"positive","sentiment_score":0.3349980396382949},{"text":"So making sure that in the event that something happens to both of you, that you have a guardian chosen, someone that you can trust to look after your kids in the event of something happening to both of you.","start":1129.17,"end":1138.6849,"sentiment":"neutral","sentiment_score":0.253322234749794},{"text":"It also incorporates a power of attorney to making sure that if you're incapacitated and are unable to make decisions, that you have appointed an attorney who can act on your behalf and that it stipulates what you want them to do or how they how you want them to act in the event that you're unable to make decisions for yourself.","start":1138.985,"end":1156.17,"sentiment":"neutral","sentiment_score":0.10135143784986388},{"text":"And an enduring power of attorney is the best one to have.","start":1156.2301,"end":1159.51,"sentiment":"neutral","sentiment_score":0.2950311303138733},{"text":"It generally gives them, you know, a whole overlay for medical and financial power of attorney.","start":1159.51,"end":1165.905,"sentiment":"positive","sentiment_score":0.369965773075819}],"sentiment":"neutral","sentiment_score":0.21477191254091102,"num_words":147,"start":1125.57,"end":1165.905},{"sentences":[{"text":"So those are definitely worth doing.","start":1165.905,"end":1167.585,"sentiment":"positive","sentiment_score":0.6688268085320791},{"text":"I always think having a will drawn up is more an investment in yourself and your family, making sure to protect those, you know, those that you love the most.","start":1167.585,"end":1175.765,"sentiment":"positive","sentiment_score":0.6003239919741948},{"text":"So, yeah.","start":1175.825,"end":1178.38,"sentiment":"neutral","sentiment_score":0.22621650993824005},{"text":"Perfect.","start":1178.6799,"end":1179.1799,"sentiment":"positive","sentiment_score":0.5304359197616577},{"text":"Did you want us to email through some details and maybe a bit of a costing of a solicitor that we can refer you to?","start":1179.96,"end":1185.72,"sentiment":"neutral","sentiment_score":0.13769263714551927}],"sentiment":"positive","sentiment_score":0.4132478981046006,"num_words":64,"start":1165.905,"end":1185.72},{"sentences":[{"text":"There's no obligation to use, and it can just be a bit of a talking point for you.","start":1185.72,"end":1190.12,"sentiment":"neutral","sentiment_score":0.08849563056396113},{"text":"Yeah?","start":1190.12,"end":1190.62,"sentiment":"neutral","sentiment_score":0.08785572648048401},{"text":"Yep.","start":1192.635,"end":1193.135,"sentiment":"neutral","sentiment_score":0.024153918027877808},{"text":"That's okay.","start":1196.5549,"end":1197.275,"sentiment":"neutral","sentiment_score":0.3153410702943802},{"text":"It's never an easy conversation to have, but it is definitely one that's really important.","start":1197.275,"end":1201.355,"sentiment":"positive","sentiment_score":0.39657606879870094}],"sentiment":"neutral","sentiment_score":0.22389876127645775,"num_words":37,"start":1185.72,"end":1201.355},{"sentences":[{"text":"And sometimes it can be really rewarding to to have that conversation.","start":1201.355,"end":1204.85,"sentiment":"positive","sentiment_score":0.6654787460962931},{"text":"I know with my husband sorry.","start":1204.99,"end":1206.85,"sentiment":"neutral","sentiment_score":0.061915433034300804},{"text":"With my husband, he is not from here.","start":1207.47,"end":1210.45,"sentiment":"neutral","sentiment_score":0.020593363791704178},{"text":"He's actually from Yonge in in sort of well, Midwestern New South Wales.","start":1210.83,"end":1215.49,"sentiment":"neutral","sentiment_score":0.036705416842148855},{"text":"And his family always thought he would wanna be sent down there after passing, but we've kind of had that conversation and talked and have asked him what he wants.","start":1216.2051,"end":1224.125,"sentiment":"neutral","sentiment_score":0.0519536924858888}],"sentiment":"neutral","sentiment_score":0.1530110964524573,"num_words":69,"start":1201.355,"end":1224.125},{"sentences":[{"text":"And it kind of brought home and made him think about what he actually wants to happen, you know, if and when he was to pass away.","start":1224.125,"end":1231.43,"sentiment":"neutral","sentiment_score":0.05629085666603512},{"text":"So it can be kind of a good conversation to have and allows you to think about what what you want, what is important to you, and what you want to happen.","start":1231.49,"end":1240.23,"sentiment":"positive","sentiment_score":0.3685156353749335},{"text":"So yeah.","start":1240.37,"end":1241.84,"sentiment":"neutral","sentiment_score":0.10683958232402802},{"text":"Yeah.","start":1242.4249,"end":1242.9249,"sentiment":"neutral","sentiment_score":0.05910460650920868},{"text":"Absolutely.","start":1251.625,"end":1252.125,"sentiment":"neutral","sentiment_score":0.05910000577569008}],"sentiment":"neutral","sentiment_score":0.2165751942684726,"num_words":63,"start":1224.125,"end":1252.125},{"sentences":[{"text":"The most important thing in the world.","start":1253.225,"end":1255.165,"sentiment":"neutral","sentiment_score":0.19565286380904062},{"text":"Isn't it amazing becoming a parent?","start":1258.31,"end":1260.31,"sentiment":"neutral","sentiment_score":0.09273763125141461},{"text":"You you think you can never love anyone like the person you've just created, and they do all sorts of crazy things to make you laugh, cry, can be the most stressful job in the world, but it is the most rewarding at the same time.","start":1260.31,"end":1273.605,"sentiment":"neutral","sentiment_score":0.08157925465670617},{"text":"Yeah.","start":1273.825,"end":1274.325,"sentiment":"neutral","sentiment_score":0.1937359869480133},{"text":"Yeah.","start":1286.4,"end":1286.88,"sentiment":"neutral","sentiment_score":0.15809530019760132}],"sentiment":"neutral","sentiment_score":0.09886021041845688,"num_words":61,"start":1253.225,"end":1286.88},{"sentences":[{"text":"Absolutely.","start":1286.88,"end":1287.38,"sentiment":"neutral","sentiment_score":0.17380821704864502},{"text":"No.","start":1288.32,"end":1288.8,"sentiment":"neutral","sentiment_score":0.14883270859718323},{"text":"Perfect.","start":1288.8,"end":1289.3,"sentiment":"positive","sentiment_score":0.3771290183067322},{"text":"That'll be fantastic.","start":1289.4401,"end":1290.58,"sentiment":"positive","sentiment_score":0.720361073811849},{"text":"And the couple more weeks, and you'll have another one, and that'll be amazing.","start":1290.88,"end":1294.42,"sentiment":"positive","sentiment_score":0.5516680436474937}],"sentiment":"positive","sentiment_score":0.5292102888226509,"num_words":20,"start":1286.88,"end":1294.42},{"sentences":[{"text":"I'm sure your little boy is gonna be a great big brother.","start":1294.485,"end":1302.815,"sentiment":"neutral","sentiment_score":0.19874064593265453},{"text":"That's it.","start":1304.405,"end":1305.125,"sentiment":"neutral","sentiment_score":0.07374071888625622},{"text":"Yep.","start":1305.125,"end":1305.525,"sentiment":"neutral","sentiment_score":0.14532162249088287},{"text":"Sharing that love around.","start":1305.525,"end":1306.905,"sentiment":"neutral","sentiment_score":0.26923076063394547},{"text":"Beautiful.","start":1310.3,"end":1310.8,"sentiment":"positive","sentiment_score":0.3719628155231476}],"sentiment":"neutral","sentiment_score":0.20632883347570896,"num_words":20,"start":1294.485,"end":1310.8},{"sentences":[{"text":"No.","start":1310.9401,"end":1311.26,"sentiment":"neutral","sentiment_score":0.10673408210277556},{"text":"That'll be amazing.","start":1311.26,"end":1312.3201,"sentiment":"neutral","sentiment_score":0.17183119306961694},{"text":"Well, for the time being, I'll have a look at the the one child trauma policy for you for the sum of a 100 thousand dollars there.","start":1312.62,"end":1319.12,"sentiment":"neutral","sentiment_score":0.013415948453324812},{"text":"Just so I have the details to make sure it is correct, can I grab your son's date of birth?","start":1319.5,"end":1331.455,"sentiment":"neutral","sentiment_score":0.013871968863531947},{"text":"Yep.","start":1333.355,"end":1333.835,"sentiment":"neutral","sentiment_score":0.048239246010780334}],"sentiment":"neutral","sentiment_score":0.025194940246784918,"num_words":52,"start":1310.9401,"end":1333.835},{"sentences":[{"text":"Perfect.","start":1333.835,"end":1334.335,"sentiment":"neutral","sentiment_score":0.2713717222213745},{"text":"Excellent.","start":1334.475,"end":1334.975,"sentiment":"positive","sentiment_score":0.3559189438819885},{"text":"Excellent.","start":1335.4349,"end":1335.9349,"sentiment":"neutral","sentiment_score":0.3273041844367981},{"text":"And I'm just checking what else I have on here.","start":1336.5549,"end":1340.1399,"sentiment":"neutral","sentiment_score":0.07069422639906406},{"text":"I don't actually have his name.","start":1340.1399,"end":1341.58,"sentiment":"neutral","sentiment_score":-0.07064898932973544}],"sentiment":"neutral","sentiment_score":0.06513911466065206,"num_words":19,"start":1333.835,"end":1341.58},{"sentences":[{"text":"I'm so sorry.","start":1341.58,"end":1342.7,"sentiment":"neutral","sentiment_score":-0.07208859423796336},{"text":"What is his name as well?","start":1342.7,"end":1344.48,"sentiment":"neutral","sentiment_score":-0.03274708536143104},{"text":"Wow.","start":1349.74,"end":1350.1399,"sentiment":"neutral","sentiment_score":0.05131078511476517},{"text":"Beautiful.","start":1350.1399,"end":1350.6399,"sentiment":"neutral","sentiment_score":0.089234858751297},{"text":"Oscar William Follett.","start":1356.505,"end":1358.185,"sentiment":"neutral","sentiment_score":-0.0014741604682058096}],"sentiment":"neutral","sentiment_score":-0.019758938030073687,"num_words":14,"start":1341.58,"end":1358.185},{"sentences":[{"text":"And it's o s c a r.","start":1358.185,"end":1360.1051,"sentiment":"neutral","sentiment_score":-0.0011147422982113703},{"text":"Is that spelled correctly?","start":1360.1051,"end":1361.3251,"sentiment":"neutral","sentiment_score":0.0029925065318821},{"text":"Yes.","start":1362.5851,"end":1363.0851,"sentiment":"neutral","sentiment_score":0.10366716235876083},{"text":"Perfect.","start":1363.4651,"end":1363.9651,"sentiment":"positive","sentiment_score":0.45923835039138794},{"text":"Beautiful.","start":1364.55,"end":1365.03,"sentiment":"positive","sentiment_score":0.5687766075134277}],"sentiment":"neutral","sentiment_score":0.08113206787883039,"num_words":14,"start":1358.185,"end":1365.03},{"sentences":[{"text":"And, look, the new name for your beautiful new son is beautiful.","start":1365.03,"end":1367.91,"sentiment":"positive","sentiment_score":0.5667128010342518},{"text":"I will keep that a secret if it's not meant to be out there.","start":1367.91,"end":1370.15,"sentiment":"neutral","sentiment_score":-0.026216016417103156},{"text":"Don't worry.","start":1370.15,"end":1370.81,"sentiment":"neutral","sentiment_score":0.02792695164680481},{"text":"Oh, that's okay.","start":1377.445,"end":1378.6449,"sentiment":"neutral","sentiment_score":-0.0033160864065090814},{"text":"Wait till they come.","start":1378.6449,"end":1379.605,"sentiment":"neutral","sentiment_score":-0.0025750817731022835}],"sentiment":"neutral","sentiment_score":0.18483241998723576,"num_words":35,"start":1365.03,"end":1379.605},{"sentences":[{"text":"I get my three kids mixed up all the time.","start":1379.605,"end":1381.865,"sentiment":"neutral","sentiment_score":-0.02791972365230322},{"text":"Yeah.","start":1393.67,"end":1394.17,"sentiment":"neutral","sentiment_score":-0.06236473098397255},{"text":"Yeah.","start":1395.43,"end":1395.91,"sentiment":"neutral","sentiment_score":-0.025362417101860046},{"text":"No.","start":1395.91,"end":1396.39,"sentiment":"neutral","sentiment_score":-0.08279792219400406},{"text":"Understandable.","start":1396.39,"end":1396.89,"sentiment":"neutral","sentiment_score":-0.029414374381303787}],"sentiment":"neutral","sentiment_score":-0.03422404865601233,"num_words":14,"start":1379.605,"end":1396.89},{"sentences":[{"text":"Oh, there's so many more fun times like that to come, but that's beautiful.","start":1397.67,"end":1401.03,"sentiment":"neutral","sentiment_score":0.26220493976558956},{"text":"I love that name.","start":1401.03,"end":1401.8301,"sentiment":"positive","sentiment_score":0.7554304003715515},{"text":"It is fantastic.","start":1401.8301,"end":1402.5701,"sentiment":"positive","sentiment_score":0.8335496584574381},{"text":"All good.","start":1404.585,"end":1405.245,"sentiment":"positive","sentiment_score":0.529013067483902},{"text":"The next thing is to give you a bit of an update.","start":1406.1849,"end":1408.265,"sentiment":"neutral","sentiment_score":0.13997489834825197}],"sentiment":"positive","sentiment_score":0.3408847042492458,"num_words":35,"start":1397.67,"end":1408.265},{"sentences":[{"text":"So part of the review is just sort of letting you know what's happening with your Superdesk.","start":1408.265,"end":1411.725,"sentiment":"neutral","sentiment_score":0.08660159829784841},{"text":"So as I kinda mentioned before, your balance is up.","start":1411.945,"end":1414.745,"sentiment":"neutral","sentiment_score":0.030278897657990456},{"text":"You're up too sorry.","start":1414.745,"end":1415.945,"sentiment":"neutral","sentiment_score":-0.16865692846477032},{"text":"Balance is gone again on me.","start":1415.945,"end":1417.3049,"sentiment":"neutral","sentiment_score":-0.19825504099329314},{"text":"It's 82,335.","start":1417.3049,"end":1420.07,"sentiment":"neutral","sentiment_score":-0.008724776620510966}],"sentiment":"neutral","sentiment_score":-0.002733111933757289,"num_words":39,"start":1408.265,"end":1420.07},{"sentences":[{"text":"I did have a look back.","start":1420.45,"end":1421.73,"sentiment":"neutral","sentiment_score":0.008905719344814619},{"text":"So when you came what originally, a bit over twelve months ago now, your balance that we rolled in was about 73,600 and 86.","start":1421.73,"end":1431.1699,"sentiment":"neutral","sentiment_score":0.023745246697217226},{"text":"So you have seen a bit of growth there, which is good.","start":1431.1699,"end":1433.75,"sentiment":"neutral","sentiment_score":0.25926656400163967},{"text":"Contributions are still going in, which is also sorta helping with that.","start":1434.3351,"end":1437.855,"sentiment":"neutral","sentiment_score":0.10785727761685848},{"text":"When I look at your portfolio as a whole, I've gone through and done a little bit of digging to see exactly what's been going on with it as well because, admittedly, the growth is a little bit slower for the first year than what we would normally like.","start":1437.855,"end":1450.42,"sentiment":"neutral","sentiment_score":-0.057967087215915016}],"sentiment":"neutral","sentiment_score":0.021246787015963525,"num_words":103,"start":1420.45,"end":1450.42},{"sentences":[{"text":"Yeah.","start":1451.2001,"end":1451.7001,"sentiment":"neutral","sentiment_score":0.017605038359761238},{"text":"When we have a look at the individual investments as a whole, we've got you know, you've got some well, we've got some S and P 500, which is doing quite well.","start":1452.7201,"end":1461.8601,"sentiment":"neutral","sentiment_score":0.11802076606545597},{"text":"From inception, it's up about 5.14%.","start":1462.4249,"end":1465.7849,"sentiment":"neutral","sentiment_score":0.1929299756884575},{"text":"This is sort of just over the full year.","start":1465.7849,"end":1468.125,"sentiment":"neutral","sentiment_score":0.10923172657688458},{"text":"You've got your Global Healthcare again.","start":1468.6649,"end":1470.505,"sentiment":"neutral","sentiment_score":0.14493575847397247}],"sentiment":"neutral","sentiment_score":0.12601017586334987,"num_words":54,"start":1451.2001,"end":1470.505},{"sentences":[{"text":"It's up by 0.26, so a bit low for where I wanna see it.","start":1470.505,"end":1474.38,"sentiment":"neutral","sentiment_score":-0.030819974041410854},{"text":"Your physical gold is doing very well.","start":1474.46,"end":1476.46,"sentiment":"positive","sentiment_score":0.5298472025564739},{"text":"It's up over 56.93, and then you've got your Australian shares component, which is the Raffy.","start":1476.46,"end":1483.12,"sentiment":"neutral","sentiment_score":0.2938745366409421},{"text":"And that one there is up over 17.83%.","start":1483.66,"end":1487.275,"sentiment":"positive","sentiment_score":0.3455381281673908},{"text":"So they are doing really well.","start":1487.275,"end":1489.275,"sentiment":"positive","sentiment_score":0.6881709893544515}],"sentiment":"neutral","sentiment_score":0.2916230260595387,"num_words":51,"start":1470.505,"end":1489.275},{"sentences":[{"text":"I would like to see your S and P 500 slightly higher, and your Global Healthcare is a lot lower for where we'd sort of expect that.","start":1489.275,"end":1496.735,"sentiment":"neutral","sentiment_score":0.1928345118821771},{"text":"You've also got some, JPMorgan in there, which is giving you a bit of active management, and that's a globalized sort of investment.","start":1497.355,"end":1505.4199,"sentiment":"neutral","sentiment_score":0.17308825869923053},{"text":"So they don't have any particular thematic or theme with their investing in.","start":1505.4199,"end":1510.0599,"sentiment":"neutral","sentiment_score":0.005313857530172055},{"text":"It's just whatever is coming up and and out there and trying to, you know, get the best returns they possibly can within that fund.","start":1510.0599,"end":1517.36,"sentiment":"neutral","sentiment_score":0.13288611978292464},{"text":"That is up over 7.59% since coming on board.","start":1518.585,"end":1522.265,"sentiment":"positive","sentiment_score":0.4902394347720676}],"sentiment":"neutral","sentiment_score":0.17516443119912417,"num_words":97,"start":1489.275,"end":1522.265},{"sentences":[{"text":"So that, again, is quite good.","start":1522.265,"end":1523.865,"sentiment":"positive","sentiment_score":0.6900011499722799},{"text":"That is up.","start":1523.865,"end":1524.505,"sentiment":"positive","sentiment_score":0.5074855983257294},{"text":"That's sort of where we'd like to expect to see your portfolio as a whole when you're in the sort of growth to high growth area that you that you are.","start":1524.505,"end":1532.66,"sentiment":"positive","sentiment_score":0.37835001272539937},{"text":"I'm just double checking.","start":1533.6,"end":1534.9,"sentiment":"neutral","sentiment_score":0.04818405490368605},{"text":"Yeah.","start":1534.96,"end":1535.2,"sentiment":"neutral","sentiment_score":0.10180602967739104}],"sentiment":"positive","sentiment_score":0.393019029746453,"num_words":45,"start":1522.265,"end":1535.2},{"sentences":[{"text":"So you're at a high growth portfolio.","start":1535.2,"end":1536.8201,"sentiment":"neutral","sentiment_score":0.16992237312453135},{"text":"So that generally encompasses anywhere between sort of nine to 11% returns on an average basis.","start":1536.96,"end":1543.3,"sentiment":"neutral","sentiment_score":0.1423833412118256},{"text":"For a whole, up until about November, your portfolio was almost a 5% of a return.","start":1544.895,"end":1551.0751,"sentiment":"neutral","sentiment_score":0.10329950042068958},{"text":"As of November, your other investments been along I don't know if anyone's have made mention or if you've seen in the news, but you have the Benelon Australian equities in there that was recommended.","start":1551.615,"end":1560.98,"sentiment":"neutral","sentiment_score":0.0145500341530091},{"text":"Benelon, over the last few years, has seen great returns.","start":1561.84,"end":1564.74,"sentiment":"positive","sentiment_score":0.4478069931268692}],"sentiment":"neutral","sentiment_score":0.12032980005495206,"num_words":84,"start":1535.2,"end":1564.74},{"sentences":[{"text":"They have been a great Australian shares fund, and they invested in Australian equities, and they have performed quite well.","start":1564.96,"end":1571.86,"sentiment":"positive","sentiment_score":0.4359250426292419},{"text":"Unfortunately, as of kind of November, one of their underlying investments, Corporate Traveler, they had a trading halt.","start":1572.105,"end":1579.545,"sentiment":"negative","sentiment_score":-0.5267843620644675},{"text":"They had to be reevaluated.","start":1579.545,"end":1581.005,"sentiment":"negative","sentiment_score":-0.5186783671379089},{"text":"They were dishonest and not reporting correctly to their investors.","start":1581.625,"end":1585.065,"sentiment":"negative","sentiment_score":-0.6835400253534317},{"text":"So it meant that Bennelong had to had to revalue that portion of their investment, and it's meant that analysts have gone back and reevaluated Bennelong as a whole.","start":1585.065,"end":1593.87,"sentiment":"neutral","sentiment_score":-0.08168421255360389}],"sentiment":"neutral","sentiment_score":-0.15318599899821891,"num_words":82,"start":1564.96,"end":1593.87},{"sentences":[{"text":"So that portion of your investment portfolio is down by 20.48% for the year since coming on board.","start":1593.87,"end":1601.65,"sentiment":"negative","sentiment_score":-0.40154534661107594},{"text":"And I'm giving you inception figures because I want you to sort of see how it is for the first year since you came on board, not just sort of looking at different time frames.","start":1602.255,"end":1610.675,"sentiment":"neutral","sentiment_score":-0.06960864918572562},{"text":"So I'm actually having a look at that.","start":1612.3351,"end":1614.255,"sentiment":"neutral","sentiment_score":-0.14874835498631},{"text":"I'm not happy with how Benelon has been performing.","start":1614.255,"end":1616.8099,"sentiment":"negative","sentiment_score":-0.5694513585832384},{"text":"I would like to, as part of this advice, if you're comfortable for me to do, go back.","start":1616.8099,"end":1621.29,"sentiment":"neutral","sentiment_score":-0.23970612924959925}],"sentiment":"neutral","sentiment_score":-0.23061225402422927,"num_words":88,"start":1593.87,"end":1621.29},{"sentences":[{"text":"Let's get rid of Benelon.","start":1621.29,"end":1622.65,"sentiment":"neutral","sentiment_score":-0.27874683737754824},{"text":"We'll find something else to put in its place that has been performing better.","start":1622.65,"end":1626.35,"sentiment":"neutral","sentiment_score":-0.1279107667505741},{"text":"Because everyone's had to go back, analysts are reevaluating that.","start":1626.89,"end":1629.9299,"sentiment":"neutral","sentiment_score":-0.2840872645378113},{"text":"It's just not holding up as an investment.","start":1629.9299,"end":1632.2051,"sentiment":"negative","sentiment_score":-0.5432184785604477},{"text":"And sitting there from November to now, it has seen a small increase, but it's not calling back the way it's supposed to be.","start":1632.265,"end":1640.3651,"sentiment":"negative","sentiment_score":-0.3937427302201589}],"sentiment":"neutral","sentiment_score":-0.32493329377936536,"num_words":61,"start":1621.29,"end":1640.3651},{"sentences":[{"text":"And Benelon are not able to get out of corporate Traveler.","start":1640.7451,"end":1643.86,"sentiment":"negative","sentiment_score":-0.3382369740442796},{"text":"They have to kind of hold that investment because there was a trading halt there.","start":1643.86,"end":1647.48,"sentiment":"negative","sentiment_score":-0.3542451083660126},{"text":"So until they can kind of get out and work out what they're gonna do, it would be best to remove you from that.","start":1647.7799,"end":1654.36,"sentiment":"neutral","sentiment_score":-0.21845890519519648},{"text":"Admittedly, it will be down.","start":1654.58,"end":1656.2,"sentiment":"neutral","sentiment_score":-0.11153345555067062},{"text":"It does mean we are gonna be cementing some of the drops there, but it should definitely also offset any other capital gains that we might have.","start":1656.345,"end":1663.625,"sentiment":"neutral","sentiment_score":-0.12587125930521223}],"sentiment":"neutral","sentiment_score":-0.22235961394702516,"num_words":82,"start":1640.7451,"end":1663.625},{"sentences":[{"text":"So I would just like to go back, remove that.","start":1663.625,"end":1666.585,"sentiment":"neutral","sentiment_score":-0.016598302125930785},{"text":"Let's cut our losses with that investment and put something else in its place that's gonna, you know, help you and provide better returns.","start":1666.585,"end":1674.3647,"sentiment":"neutral","sentiment_score":0.04411540956546863},{"text":"Does that sound okay?","start":1674.3647,"end":1675.9863,"sentiment":"neutral","sentiment_score":0.030775276012718678},{"text":"Yep.","start":1675.9863,"end":1676.3917,"sentiment":"neutral","sentiment_score":0.04859784245491028},{"text":"Absolutely.","start":1676.3917,"end":1676.7971,"sentiment":"neutral","sentiment_score":0.12553779780864716}],"sentiment":"neutral","sentiment_score":0.029750588815659285,"num_words":40,"start":1663.625,"end":1676.7971},{"sentences":[{"text":"Absolutely.","start":1676.7971,"end":1677.2025,"sentiment":"neutral","sentiment_score":0.11737504601478577},{"text":"Well, we definitely try.","start":1677.2025,"end":1678.8241,"sentiment":"neutral","sentiment_score":-0.12177450209856033},{"text":"And, look, over the last sort of five to ten years, that alone's done great.","start":1678.8241,"end":1684.905,"sentiment":"neutral","sentiment_score":-0.06370522156357765},{"text":"But this last one that's happened last year has kind of shown everyone, and it's it's just not holding up anymore.","start":1685.385,"end":1691.725,"sentiment":"negative","sentiment_score":-0.37763850461869014},{"text":"So that investment firm has a bit of work to do.","start":1692.505,"end":1695.5651,"sentiment":"neutral","sentiment_score":0.12467099048874596}],"sentiment":"neutral","sentiment_score":-0.151621711297104,"num_words":52,"start":1676.7971,"end":1695.5651},{"sentences":[{"text":"Yeah.","start":1695.625,"end":1696.125,"sentiment":"neutral","sentiment_score":0.10919660329818726},{"text":"Excellent.","start":1699.24,"end":1699.74,"sentiment":"positive","sentiment_score":0.6665017008781433},{"text":"Yeah.","start":1700.92,"end":1701.42,"sentiment":"positive","sentiment_score":0.480608344078064},{"text":"Perfect.","start":1701.4801,"end":1701.9801,"sentiment":"positive","sentiment_score":0.6116489171981812},{"text":"So with that, do you log in to your super very much and have a bit of a look at your portfolio?","start":1702.8401,"end":1707.26,"sentiment":"neutral","sentiment_score":0.0959569276733832}],"sentiment":"neutral","sentiment_score":0.15303876824103868,"num_words":26,"start":1695.625,"end":1707.26},{"sentences":[{"text":"Do you like sort of seeing where the money's invested?","start":1707.4,"end":1709.9,"sentiment":"neutral","sentiment_score":-0.0019066364504396916},{"text":"Or yeah.","start":1710.12,"end":1715.155,"sentiment":"neutral","sentiment_score":-0.008754869922995567},{"text":"Mhmm.","start":1718.575,"end":1719.075,"sentiment":"neutral","sentiment_score":-0.09436655789613724},{"text":"Yep.","start":1722.895,"end":1723.395,"sentiment":"neutral","sentiment_score":-0.13904252648353577},{"text":"Yeah.","start":1731.02,"end":1731.52,"sentiment":"neutral","sentiment_score":-0.1762481927871704}],"sentiment":"neutral","sentiment_score":-0.029748892101148765,"num_words":15,"start":1707.4,"end":1731.52},{"sentences":[{"text":"Yeah.","start":1735.515,"end":1736.015,"sentiment":"neutral","sentiment_score":-0.04459856450557709},{"text":"Yeah.","start":1738.715,"end":1739.215,"sentiment":"neutral","sentiment_score":-0.1558899283409119},{"text":"Yeah.","start":1745.675,"end":1746.175,"sentiment":"neutral","sentiment_score":-0.11004848033189774},{"text":"Yeah.","start":1749.4501,"end":1749.9501,"sentiment":"neutral","sentiment_score":-0.054580893367528915},{"text":"Yeah.","start":1752.49,"end":1752.99,"sentiment":"neutral","sentiment_score":-0.09978240728378296}],"sentiment":"neutral","sentiment_score":-0.09298005476593971,"num_words":5,"start":1735.515,"end":1752.99},{"sentences":[{"text":"Yep.","start":1757.37,"end":1757.87,"sentiment":"neutral","sentiment_score":0.01893913373351097},{"text":"No.","start":1757.93,"end":1758.0901,"sentiment":"neutral","sentiment_score":-0.011343324556946754},{"text":"That's okay.","start":1758.0901,"end":1758.81,"sentiment":"neutral","sentiment_score":0.04724125191569328},{"text":"That's not a problem at all.","start":1758.81,"end":1760.5901,"sentiment":"neutral","sentiment_score":0.0620601928482453},{"text":"Not an issue at all.","start":1760.875,"end":1762.075,"sentiment":"neutral","sentiment_score":0.07067697793245316}],"sentiment":"neutral","sentiment_score":0.05518829065064589,"num_words":15,"start":1757.37,"end":1762.075},{"sentences":[{"text":"And the main sort of reason I ask is that we have definitely different ways of investing styles, and the way your investments are structured at the moment encompasses kind of a core and satellite approach where you have just a couple of investments holding core.","start":1762.075,"end":1774.86,"sentiment":"neutral","sentiment_score":0.046830805990359055},{"text":"They're like the S and P 500 that did encompass Bandalong as well.","start":1774.86,"end":1779.02,"sentiment":"neutral","sentiment_score":0.06134533309019529},{"text":"And these are investors that have been around for a long time, but then we have the satellites, which are branching out, taking a little bit more risk in order to get greater potential returns there.","start":1779.02,"end":1788.32,"sentiment":"neutral","sentiment_score":0.04656395947353707},{"text":"With your portfolio at the moment, you also encompass the active management style, which is what Fan Along was supposed to provide, and it also has that JPMorgan in there as well.","start":1789.365,"end":1799.065,"sentiment":"neutral","sentiment_score":0.08185650710947812},{"text":"And those are giving you a bit of active management.","start":1799.445,"end":1801.925,"sentiment":"neutral","sentiment_score":0.04964567376300692}],"sentiment":"neutral","sentiment_score":0.05652462709423182,"num_words":137,"start":1762.075,"end":1801.925},{"sentences":[{"text":"Those sorts of investment managers are trying to pick and choose investments that they want in their portfolio to outperform the market.","start":1801.925,"end":1808.86,"sentiment":"neutral","sentiment_score":0.23134249143979765},{"text":"And when we're younger, we can access that, and it's good to have a bit of active management.","start":1808.9199,"end":1813.98,"sentiment":"positive","sentiment_score":0.4661072707838482},{"text":"Active managers don't always outperform the market, and we understand that.","start":1814.6799,"end":1818.765,"sentiment":"neutral","sentiment_score":0.20986578003926712},{"text":"However, having some of that when we're younger does take on a little bit more risk, and we can get greater potential returns by having that in our portfolio.","start":1819.245,"end":1826.225,"sentiment":"neutral","sentiment_score":0.3201710982569333},{"text":"Because you are still quite young, you do have a lot of time ahead of you.","start":1827.085,"end":1831.185,"sentiment":"neutral","sentiment_score":0.16525955870747566}],"sentiment":"neutral","sentiment_score":0.28871983390611905,"num_words":96,"start":1801.925,"end":1831.185},{"sentences":[{"text":"Do you wanna keep that active management approach in your portfolio, or did you want me to look at something a little bit lower risk, more passive that might be lower cost for you?","start":1831.3099,"end":1840.37,"sentiment":"neutral","sentiment_score":0.2107700422844466},{"text":"Mhmm.","start":1847.485,"end":1847.985,"sentiment":"neutral","sentiment_score":0.0442475825548172},{"text":"Yep.","start":1848.285,"end":1848.785,"sentiment":"neutral","sentiment_score":0.14318300783634186},{"text":"Yeah.","start":1863.58,"end":1864.08,"sentiment":"neutral","sentiment_score":0.08119365572929382},{"text":"Yeah.","start":1876.395,"end":1876.895,"sentiment":"neutral","sentiment_score":0.1587914526462555}],"sentiment":"neutral","sentiment_score":0.19983150359047086,"num_words":38,"start":1831.3099,"end":1876.895},{"sentences":[{"text":"Yeah.","start":1879.29,"end":1879.79,"sentiment":"neutral","sentiment_score":0.08456087112426758},{"text":"Yeah.","start":1891.13,"end":1891.29,"sentiment":"neutral","sentiment_score":0.0816095843911171},{"text":"Absolutely.","start":1891.29,"end":1891.79,"sentiment":"neutral","sentiment_score":0.2002333700656891},{"text":"Yeah.","start":1892.89,"end":1893.39,"sentiment":"neutral","sentiment_score":0.17629209160804749},{"text":"Yeah.","start":1894.365,"end":1894.685,"sentiment":"neutral","sentiment_score":0.2276388704776764}],"sentiment":"neutral","sentiment_score":0.15406695753335953,"num_words":5,"start":1879.29,"end":1894.685},{"sentences":[{"text":"Absolutely.","start":1894.685,"end":1895.185,"sentiment":"neutral","sentiment_score":0.33197420835494995},{"text":"Well, what we can also look at if you would like me to do so, and I'll do the research between all the different options options to work out what's gonna provide greater benefit to you.","start":1895.805,"end":1904.305,"sentiment":"neutral","sentiment_score":0.29724572888678974},{"text":"But we do also have an SMA that's recently being built there.","start":1904.765,"end":1908.36,"sentiment":"neutral","sentiment_score":0.1573805809020996},{"text":"Now an SMA is a separately managed account, so very much similar to one of the investments in there.","start":1908.36,"end":1914.0599,"sentiment":"neutral","sentiment_score":0.16596598648711255},{"text":"It's being built by Oakview Financial's investment committee along with the utilization of BlackRock and Blackhawk are one of Australia's of the world's largest investing firms.","start":1914.28,"end":1924.235,"sentiment":"neutral","sentiment_score":0.11983326822519302}],"sentiment":"neutral","sentiment_score":0.20415325676824184,"num_words":94,"start":1894.685,"end":1924.235},{"sentences":[{"text":"And OC Financial's investment committee along with the BlackRock investment committee have built this SMA.","start":1924.935,"end":1930.395,"sentiment":"neutral","sentiment_score":0.1944182296593984},{"text":"This is more of a passively managed fund, and within the SMA, BlackRock has put all the investments through their computer, and they work at the risk level.","start":1930.855,"end":1938.65,"sentiment":"neutral","sentiment_score":0.19178176218909876},{"text":"It's about diversification, how to reduce the level of risk.","start":1938.65,"end":1942.3501,"sentiment":"neutral","sentiment_score":0.15997809469699859},{"text":"But the benefit of having an SMA and the reason I kind of wanted to find out whether you look at your super very often is that when you if we were to look at this SMA product, within your super, you essentially see your funds and you see the OPU SMA, and it would have the name of the SMA, whether it be Bloom, Catalyst, or one of the other ones because we have four, and they're all different names.","start":1942.49,"end":1964.115,"sentiment":"neutral","sentiment_score":0.17813247515831465},{"text":"Inside of that is where your funds are invested.","start":1965.1901,"end":1967.77,"sentiment":"neutral","sentiment_score":0.0770871705479092}],"sentiment":"neutral","sentiment_score":0.17488432696440837,"num_words":143,"start":1924.935,"end":1967.77},{"sentences":[{"text":"And in the underlying, anywhere between 20 to 50 different investments depending on what's occurring, but all you sort of see in your super fund is the SMA product.","start":1967.91,"end":1977.29,"sentiment":"neutral","sentiment_score":0.13446716745865755},{"text":"We can download reports that show you a lot more detail around where the funds are invested and provide, you know, change reports every couple of months to show you what's being changed, but it just doesn't give you as much visibility on your super account as to where the funds are invested.","start":1977.695,"end":1993.075,"sentiment":"neutral","sentiment_score":0.10707712693596785},{"text":"The benefit to having an SMA product like this is that whilst it is more passively managed, it can definitely be lower risk, which is great, and utilizing BlackRock's investment committee helps us to reduce the risk diversification.","start":1993.59,"end":2006.65,"sentiment":"positive","sentiment_score":0.5155255076916594},{"text":"But having an estimate means that when, say, Benelon isn't performing as well, instead of us having to wait to review or being able to talk to you to make that change, our investment committee can actually go in there and take that investment out without having to make call to you.","start":2007.945,"end":2023.51,"sentiment":"neutral","sentiment_score":0.08790402486920357},{"text":"They just go, hey.","start":2023.51,"end":2024.3099,"sentiment":"neutral","sentiment_score":-0.005574489012360573}],"sentiment":"neutral","sentiment_score":0.19155293303033846,"num_words":176,"start":1967.91,"end":2024.3099},{"sentences":[{"text":"This isn't working.","start":2024.3099,"end":2025.03,"sentiment":"negative","sentiment_score":-0.4938291907310486},{"text":"We need to move it.","start":2025.03,"end":2025.83,"sentiment":"neutral","sentiment_score":-0.3099559724330902},{"text":"Let's move that investment, put something else in its place quickly, and they can do that with an estimate.","start":2025.83,"end":2030.8099,"sentiment":"neutral","sentiment_score":0.1576470820184209},{"text":"So while there's less visibility having that sort of a product, it does give us a lot more control around maneuvering investments when they're not performing correctly, when the market might need be you know, might have something occurring in it.","start":2031.51,"end":2044.855,"sentiment":"neutral","sentiment_score":-0.01809449521143262},{"text":"If, say, COVID event came back again and we needed to maybe move some more money in defensive investments, it would allow us to do that and make that change quickly.","start":2044.855,"end":2052.395,"sentiment":"neutral","sentiment_score":0.04875632279342221}],"sentiment":"neutral","sentiment_score":0.0074100891607954645,"num_words":99,"start":2024.3099,"end":2052.395},{"sentences":[{"text":"But it's not for everyone, and I do have other clients who like to look at their account, wanna see more visibility around their investments, so they're not going into that product for that reason.","start":2053.04,"end":2062.66,"sentiment":"neutral","sentiment_score":-0.1506598276751382},{"text":"So I just wanted to find out more about what's your comfort level, where that fits for you, and what you would like to see out of your super and your investments there.","start":2062.72,"end":2071.0552,"sentiment":"neutral","sentiment_score":0.3277250027114695},{"text":"Does that make sense?","start":2071.0552,"end":2072.0352,"sentiment":"neutral","sentiment_score":0.20585313439369202},{"text":"Yeah.","start":2074.3352,"end":2074.8352,"sentiment":"neutral","sentiment_score":0.0901528373360634},{"text":"So the estimate itself is it has been only made up in the past couple of months, but it was about a year in the making.","start":2092.125,"end":2098.925,"sentiment":"neutral","sentiment_score":0.012050945956546526}],"sentiment":"neutral","sentiment_score":0.06837092010737067,"num_words":99,"start":2053.04,"end":2098.925},{"sentences":[{"text":"However, the underlying investments where your money is invested is not.","start":2098.925,"end":2102.7,"sentiment":"neutral","sentiment_score":-0.12978757917881012},{"text":"These are all all the investments within that portfolio, within that SMA, have been around for a long period of time.","start":2102.7,"end":2109.5,"sentiment":"neutral","sentiment_score":-0.05987086927606946},{"text":"We have a track record.","start":2109.5,"end":2110.8599,"sentiment":"neutral","sentiment_score":0.07066994160413742},{"text":"We know what they've done.","start":2110.8599,"end":2111.82,"sentiment":"neutral","sentiment_score":0.07877522930502892},{"text":"We know who the investment managers are.","start":2111.82,"end":2113.92,"sentiment":"neutral","sentiment_score":0.003620303635086332}],"sentiment":"neutral","sentiment_score":-0.03902823766883539,"num_words":49,"start":2098.925,"end":2113.92},{"sentences":[{"text":"It's gone through risk assessment as well.","start":2114.22,"end":2116.7,"sentiment":"neutral","sentiment_score":-0.03678170219063759},{"text":"So while the estimate itself hasn't been around for a long time, the underlying investments have.","start":2116.7,"end":2122.4048,"sentiment":"neutral","sentiment_score":-0.03381427936255932},{"text":"And your money's invested in the estimate, but where the funds are really invested is always underlying investments.","start":2122.545,"end":2128.1648,"sentiment":"neutral","sentiment_score":0.023150345724489953},{"text":"Does that make sense?","start":2128.545,"end":2129.6848,"sentiment":"neutral","sentiment_score":0.05516152083873749},{"text":"Yeah.","start":2130.0999,"end":2130.5999,"sentiment":"neutral","sentiment_score":0.02999466471374035}],"sentiment":"neutral","sentiment_score":-0.0028511611744761467,"num_words":46,"start":2114.22,"end":2130.5999},{"sentences":[{"text":"Yeah.","start":2144.195,"end":2144.695,"sentiment":"neutral","sentiment_score":-0.220306396484375},{"text":"Correct.","start":2145.235,"end":2145.735,"sentiment":"neutral","sentiment_score":-0.15598097443580627},{"text":"Yeah.","start":2153.155,"end":2153.655,"sentiment":"neutral","sentiment_score":0.0003248327411711216},{"text":"Yeah.","start":2171.6948,"end":2172.015,"sentiment":"neutral","sentiment_score":0.05623101443052292},{"text":"Yeah.","start":2172.015,"end":2172.335,"sentiment":"neutral","sentiment_score":0.12997651100158691}],"sentiment":"neutral","sentiment_score":-0.03795100254938007,"num_words":5,"start":2144.195,"end":2172.335},{"sentences":[{"text":"That's that's absolutely okay.","start":2172.335,"end":2173.855,"sentiment":"positive","sentiment_score":0.4450787827372551},{"text":"That's completely fine.","start":2173.855,"end":2175.1548,"sentiment":"positive","sentiment_score":0.528558075428009},{"text":"The what the way I'm sort of thinking about things with the conversation we are having is that I'm probably not gonna move you into that SMA product.","start":2175.295,"end":2182.2,"sentiment":"neutral","sentiment_score":-0.0612354651093483},{"text":"I'd probably more inclined to maybe just remove the banner long and replace that with something else, but keep the crux of your investments the way they are just for another year or two just while you're sort of getting your feeling your state and we're getting the investments working harder.","start":2182.2,"end":2196.38,"sentiment":"neutral","sentiment_score":-0.047465789615742715},{"text":"And then we can always look to ultra or change those down the tracks.","start":2196.605,"end":2199.885,"sentiment":"neutral","sentiment_score":0.014164010594998087}],"sentiment":"neutral","sentiment_score":-0.0057106278790161015,"num_words":100,"start":2172.335,"end":2199.885},{"sentences":[{"text":"It keeps that high growth portfolio.","start":2199.885,"end":2201.6648,"sentiment":"neutral","sentiment_score":0.10314263900121053},{"text":"It keeps everything else working in place, and we just take out the underperforming investment, replace it with something else now.","start":2201.7249,"end":2208.4448,"sentiment":"neutral","sentiment_score":0.04212591291538307},{"text":"Does that feel more your comfort level?","start":2208.4448,"end":2210.625,"sentiment":"neutral","sentiment_score":0.005212394786732537},{"text":"Yep.","start":2212.23,"end":2212.73,"sentiment":"neutral","sentiment_score":0.1094857007265091},{"text":"Yep.","start":2214.6301,"end":2215.03,"sentiment":"neutral","sentiment_score":0.12347211688756944}],"sentiment":"neutral","sentiment_score":0.04924846073198649,"num_words":36,"start":2199.885,"end":2215.03},{"sentences":[{"text":"Yeah.","start":2215.03,"end":2215.43,"sentiment":"neutral","sentiment_score":0.2390691041946411},{"text":"Perfect.","start":2215.43,"end":2215.93,"sentiment":"positive","sentiment_score":0.5662800669670105},{"text":"Excellent.","start":2216.23,"end":2216.73,"sentiment":"positive","sentiment_score":0.618796169757843},{"text":"Beautiful.","start":2217.91,"end":2218.41,"sentiment":"positive","sentiment_score":0.6155426502227783},{"text":"So I'll do that research there for you along with the research around the child trauma policy.","start":2218.55,"end":2223.21,"sentiment":"neutral","sentiment_score":0.2329962910974727}],"sentiment":"neutral","sentiment_score":0.28574404475234805,"num_words":21,"start":2215.03,"end":2223.21},{"sentences":[{"text":"Just to let you know, Tyler, it does take me a couple of weeks to do this.","start":2223.795,"end":2226.9949,"sentiment":"neutral","sentiment_score":0.0672425075488932},{"text":"I do have a lot of advice at the moment, so it will take me a few weeks to put everything together.","start":2226.9949,"end":2232.375,"sentiment":"neutral","sentiment_score":0.07973771305246787},{"text":"But I will prioritize it for you and have it back as soon as I can.","start":2232.835,"end":2236.1948,"sentiment":"neutral","sentiment_score":0.1702107898890972},{"text":"Once my team have everything together, we'll put the advice documents together, and I'll book you back in to go through it so you can see everything nice and clear.","start":2236.1948,"end":2244.1401,"sentiment":"neutral","sentiment_score":0.18467350875337918},{"text":"Is that okay?","start":2244.1401,"end":2245.04,"sentiment":"neutral","sentiment_score":0.1550406018892924}],"sentiment":"neutral","sentiment_score":0.13211422752250324,"num_words":88,"start":2223.795,"end":2245.04},{"sentences":[{"text":"Yep.","start":2246.78,"end":2247.28,"sentiment":"neutral","sentiment_score":0.13328489661216736},{"text":"Oh, beautiful.","start":2250.62,"end":2251.28,"sentiment":"neutral","sentiment_score":0.28529858589172363},{"text":"Beautiful.","start":2252.595,"end":2253.095,"sentiment":"positive","sentiment_score":0.5377185940742493},{"text":"Thank you so much for that.","start":2253.315,"end":2254.915,"sentiment":"positive","sentiment_score":0.5888337368766466},{"text":"I'll make sure I prioritize it to get it done as quickly as I can for you, but I just like to make sure everyone's sort of aware.","start":2254.915,"end":2260.275,"sentiment":"neutral","sentiment_score":0.20932168619973318}],"sentiment":"neutral","sentiment_score":0.2798844815084809,"num_words":38,"start":2246.78,"end":2260.275},{"sentences":[{"text":"It does take just a cup a little bit of time to put everything together and do the research because we are researching all the different options out there to make sure that everything is in line and that the advice is appropriate to you.","start":2260.275,"end":2271.01,"sentiment":"neutral","sentiment_score":0.22056091378132503},{"text":"Okay?","start":2271.01,"end":2271.51,"sentiment":"neutral","sentiment_score":0.08164185285568237},{"text":"Yep.","start":2272.93,"end":2273.43,"sentiment":"positive","sentiment_score":0.33610817790031433},{"text":"Beautiful.","start":2273.5698,"end":2274.0698,"sentiment":"positive","sentiment_score":0.6347724199295044},{"text":"Now I did also just wanna run through a new profile questionnaire.","start":2275.97,"end":2279.105,"sentiment":"neutral","sentiment_score":0.1429002657532692}],"sentiment":"neutral","sentiment_score":0.21154277933140594,"num_words":60,"start":2260.275,"end":2279.105},{"sentences":[{"text":"Just making sure I don't see there's any been any changes to the high growth environment that you're in, but it's important just to kinda revisit that just to make sure that everything's aligned.","start":2279.165,"end":2288.385,"sentiment":"neutral","sentiment_score":0.03225679147769423},{"text":"Most of these questions, I can answer and have already popped a an answer in, but I'll ask you just the ones that we do need to sort of follow-up on.","start":2289.005,"end":2297.6401,"sentiment":"neutral","sentiment_score":0.029599588905130664},{"text":"The first one here is, have you ever held direct shares or investments in your own name before?","start":2298.5,"end":2303.9602,"sentiment":"neutral","sentiment_score":0.003971694270148873},{"text":"No?","start":2305.78,"end":2306.1,"sentiment":"neutral","sentiment_score":-0.05738551914691925},{"text":"That's okay.","start":2306.1,"end":2307.0,"sentiment":"neutral","sentiment_score":0.03628695476800203}],"sentiment":"neutral","sentiment_score":0.02443019829712115,"num_words":86,"start":2279.165,"end":2307.0},{"sentences":[{"text":"Beautiful.","start":2307.2202,"end":2307.7202,"sentiment":"positive","sentiment_score":0.5765875577926636},{"text":"Excellent.","start":2308.855,"end":2309.355,"sentiment":"positive","sentiment_score":0.6023285984992981},{"text":"The next one here is looking at inflation.","start":2310.135,"end":2312.5352,"sentiment":"neutral","sentiment_score":0.08879011729732156},{"text":"So it's basically saying when you look at your super portfolio, how much risk are you comfortable taking to try and get greater returns that outpace inflation?","start":2312.5352,"end":2321.195,"sentiment":"neutral","sentiment_score":-0.020035358628741017},{"text":"Do you think you'd be trying to take on the highest level of risk to get the best returns you can, maybe a a moderate amount of risk to get the best returns you can, or a low amount of risk to get no returns or lower returns?","start":2321.75,"end":2334.0898,"sentiment":"neutral","sentiment_score":-0.0444739928158621}],"sentiment":"neutral","sentiment_score":-0.009252579334904166,"num_words":85,"start":2307.2202,"end":2334.0898},{"sentences":[{"text":"What are yep.","start":2337.115,"end":2337.915,"sentiment":"neutral","sentiment_score":-0.00046882933626572293},{"text":"Perfect.","start":2337.915,"end":2338.415,"sentiment":"neutral","sentiment_score":0.23936069011688232},{"text":"In the middle.","start":2338.555,"end":2339.275,"sentiment":"neutral","sentiment_score":0.06548453619082768},{"text":"Beautiful.","start":2339.275,"end":2339.775,"sentiment":"neutral","sentiment_score":0.30964332818984985},{"text":"The next one here is asking, if you sort of look at your super over the next six months and say due to external market factors, something happened and the portfolio fell by 20%.","start":2340.875,"end":2351.19,"sentiment":"neutral","sentiment_score":-0.0704036273938768}],"sentiment":"neutral","sentiment_score":-0.03927790934574746,"num_words":42,"start":2337.115,"end":2351.19},{"sentences":[{"text":"How might you be feeling?","start":2351.27,"end":2352.55,"sentiment":"neutral","sentiment_score":-0.06717589348554612},{"text":"Do you think it's a buying opportunity?","start":2352.55,"end":2354.33,"sentiment":"neutral","sentiment_score":-0.07677000282066208},{"text":"You wanna put more money into the market?","start":2354.39,"end":2356.31,"sentiment":"neutral","sentiment_score":-0.052799500059336424},{"text":"Are you more likely to hold and wait and call us, or are you feeling a bit concerned and wanting to put your money in something a bit less risky?","start":2356.31,"end":2363.6099,"sentiment":"neutral","sentiment_score":-0.1448838176826636},{"text":"Yep.","start":2379.75,"end":2380.25,"sentiment":"neutral","sentiment_score":-0.01872429996728897}],"sentiment":"neutral","sentiment_score":-0.11099812388420105,"num_words":51,"start":2351.27,"end":2380.25},{"sentences":[{"text":"Yeah.","start":2382.15,"end":2382.65,"sentiment":"positive","sentiment_score":0.41439735889434814},{"text":"Excellent.","start":2382.7898,"end":2383.27,"sentiment":"positive","sentiment_score":0.727208137512207},{"text":"And one of the good things about your age is that you have time on your side, and one of the things we are looking at when we invest you in certain portfolios is how much time you have before you wanna access those funds.","start":2383.27,"end":2394.065,"sentiment":"neutral","sentiment_score":0.328666394452254},{"text":"So, say, when we look back at COVID or even the GFC, because that was a bigger style event, anyone who was in, like, a high risk, high growth portfolio just as a GFC hit would have seen extreme losses, a lot of drops in their portfolio.","start":2394.065,"end":2407.8198,"sentiment":"neutral","sentiment_score":-0.04726560243425217},{"text":"A lot of people were, yeah, a lot of people were actually retiring at that point.","start":2408.68,"end":2412.76,"sentiment":"neutral","sentiment_score":-0.07118283375166357}],"sentiment":"neutral","sentiment_score":0.11428349629383196,"num_words":110,"start":2382.15,"end":2412.76},{"sentences":[{"text":"I've met a lot of retirees who had to submit those losses because they'd already committed to retiring or had just retired, and they actually end up with less super.","start":2412.76,"end":2422.145,"sentiment":"neutral","sentiment_score":-0.1416732820371787},{"text":"But the benefit to yourself is that you still have a lot of time ahead of you.","start":2422.365,"end":2426.385,"sentiment":"neutral","sentiment_score":0.012464878971085828},{"text":"You can't access super to the age of 60.","start":2426.605,"end":2428.925,"sentiment":"neutral","sentiment_score":-0.09426445389787357},{"text":"So if we saw a 20% drop drop in your portfolio over the next six months, Whilst you look at your portfolio, no one likes to see it go down.","start":2428.925,"end":2437.03,"sentiment":"neutral","sentiment_score":-0.1655854580303033},{"text":"It's about remembering that you're not retiring this year or next year.","start":2437.1702,"end":2440.6902,"sentiment":"neutral","sentiment_score":-0.0795533386990428}],"sentiment":"neutral","sentiment_score":-0.11029468784678956,"num_words":98,"start":2412.76,"end":2440.6902},{"sentences":[{"text":"You've got time.","start":2440.6902,"end":2441.57,"sentiment":"neutral","sentiment_score":0.004838596214540303},{"text":"So if it takes a year or two to come back, that's okay.","start":2441.57,"end":2444.9302,"sentiment":"neutral","sentiment_score":-0.007058438773338611},{"text":"It comes back.","start":2444.9302,"end":2445.855,"sentiment":"neutral","sentiment_score":0.12706867853800455},{"text":"And your super your contributions are going in.","start":2446.095,"end":2449.535,"sentiment":"neutral","sentiment_score":0.27860530465841293},{"text":"You're buying into that discounted time frame.","start":2449.535,"end":2452.015,"sentiment":"neutral","sentiment_score":0.2507852635213307}],"sentiment":"neutral","sentiment_score":0.12612651182708384,"num_words":34,"start":2440.6902,"end":2452.015},{"sentences":[{"text":"So it's about the way we look at it, but making sure that you have that time.","start":2452.015,"end":2457.715,"sentiment":"neutral","sentiment_score":0.07252506561139051},{"text":"I mean, the biggest it's the biggest commodity you have time.","start":2458.4949,"end":2461.4202,"sentiment":"neutral","sentiment_score":0.1212749711491845},{"text":"It's the most important thing we have.","start":2461.4202,"end":2463.02,"sentiment":"neutral","sentiment_score":0.16320549164499557},{"text":"We trade time for everything, especially money.","start":2463.02,"end":2465.98,"sentiment":"neutral","sentiment_score":0.0972050109079906},{"text":"So, you know, that's the most important thing we have to trade these days.","start":2465.98,"end":2471.595,"sentiment":"neutral","sentiment_score":0.04937513837856906}],"sentiment":"neutral","sentiment_score":0.09073350452152747,"num_words":56,"start":2452.015,"end":2471.595},{"sentences":[{"text":"So it's about making sure that you're not gonna retire in the next year or two.","start":2471.915,"end":2475.695,"sentiment":"neutral","sentiment_score":-0.06370567833073437},{"text":"If, let's say, something happened and you were only two years out of retirement, I would not be wanting you in a high growth portfolio.","start":2475.835,"end":2481.855,"sentiment":"neutral","sentiment_score":-0.22728687778115272},{"text":"We would have been scaling back a long time ago.","start":2481.915,"end":2484.2349,"sentiment":"neutral","sentiment_score":-0.2758875548839569},{"text":"That way, you're taking less risk in the market.","start":2484.2349,"end":2486.2349,"sentiment":"neutral","sentiment_score":-0.11392485350370407},{"text":"Does that make sense?","start":2486.2349,"end":2487.295,"sentiment":"neutral","sentiment_score":-0.014344077557325363}],"sentiment":"neutral","sentiment_score":-0.16473497403785586,"num_words":64,"start":2471.915,"end":2487.295},{"sentences":[{"text":"Yeah.","start":2489.24,"end":2489.74,"sentiment":"neutral","sentiment_score":-0.033873893320560455},{"text":"Yeah.","start":2491.4,"end":2491.9,"sentiment":"neutral","sentiment_score":-0.05933067575097084},{"text":"It's harder.","start":2493.16,"end":2493.9,"sentiment":"neutral","sentiment_score":-0.3117198646068573},{"text":"Absolutely.","start":2494.3599,"end":2494.8599,"sentiment":"neutral","sentiment_score":0.13955388963222504},{"text":"Keeping in mind, if you do win lotto tomorrow, give me a call and I'll help you.","start":2495.72,"end":2499.58,"sentiment":"neutral","sentiment_score":0.25577772540204663}],"sentiment":"neutral","sentiment_score":0.17141504196280782,"num_words":22,"start":2489.24,"end":2499.58},{"sentences":[{"text":"Absolutely.","start":2506.315,"end":2506.815,"sentiment":"neutral","sentiment_score":0.2561345100402832},{"text":"Absolutely.","start":2507.355,"end":2507.855,"sentiment":"neutral","sentiment_score":0.12869125604629517},{"text":"No.","start":2508.795,"end":2509.295,"sentiment":"neutral","sentiment_score":0.04357505217194557},{"text":"Perfect.","start":2509.355,"end":2509.855,"sentiment":"neutral","sentiment_score":0.19744668900966644},{"text":"And the last of the quite couple of questions here, have you ever thought about taking out a loan in order to invest in shares or manage funds?","start":2510.475,"end":2517.94,"sentiment":"neutral","sentiment_score":-0.031789802646796615}],"sentiment":"neutral","sentiment_score":-0.008258342713816091,"num_words":32,"start":2506.315,"end":2517.94},{"sentences":[{"text":"Have you ever considered borrowing to invest?","start":2517.94,"end":2520.52,"sentiment":"neutral","sentiment_score":-0.04838877783289978},{"text":"Yep.","start":2524.5,"end":2524.9,"sentiment":"neutral","sentiment_score":-0.06688746809959412},{"text":"No.","start":2524.9,"end":2525.06,"sentiment":"neutral","sentiment_score":-0.17218585312366486},{"text":"That's okay.","start":2525.06,"end":2525.78,"sentiment":"neutral","sentiment_score":-0.1057221107184887},{"text":"Perfect.","start":2525.78,"end":2526.28,"sentiment":"neutral","sentiment_score":0.10670608282089232}],"sentiment":"neutral","sentiment_score":-0.05687774205580354,"num_words":12,"start":2517.94,"end":2526.28},{"sentences":[{"text":"And you've only got your own home there.","start":2527.0552,"end":2528.735,"sentiment":"neutral","sentiment_score":-0.020650656893849373},{"text":"You don't have any investment properties at all at the moment.","start":2528.735,"end":2531.3152,"sentiment":"neutral","sentiment_score":-0.12265512685884129},{"text":"Yeah.","start":2534.495,"end":2534.895,"sentiment":"neutral","sentiment_score":0.10453647375106812},{"text":"Perfect.","start":2534.895,"end":2535.395,"sentiment":"neutral","sentiment_score":0.2405555695295334},{"text":"Fantastic.","start":2535.935,"end":2536.435,"sentiment":"positive","sentiment_score":0.48121142387390137}],"sentiment":"neutral","sentiment_score":-0.03127764470197938,"num_words":22,"start":2527.0552,"end":2536.435},{"sentences":[{"text":"All good.","start":2537.6152,"end":2538.175,"sentiment":"positive","sentiment_score":0.42021937668323517},{"text":"Well, having a look at that one, you have scored there as a high growth investor.","start":2538.175,"end":2541.635,"sentiment":"neutral","sentiment_score":0.22589019872248173},{"text":"So a high growth investor does generally see that 90% of the super in growth investments, so things like cash oh, sorry.","start":2541.695,"end":2548.64,"sentiment":"neutral","sentiment_score":0.1814960932189768},{"text":"International Australian shares.","start":2548.94,"end":2550.46,"sentiment":"neutral","sentiment_score":0.02860523636142413},{"text":"I apologize.","start":2550.46,"end":2550.9,"sentiment":"neutral","sentiment_score":-0.06045784242451191}],"sentiment":"neutral","sentiment_score":0.1869443557328648,"num_words":45,"start":2537.6152,"end":2550.9},{"sentences":[{"text":"I was a bit tongue tied this afternoon.","start":2550.9,"end":2552.64,"sentiment":"neutral","sentiment_score":-0.15477747097611427},{"text":"It it growth investments are international shares, Australian shares, commodities like gold and silver, and then also looking at property, both Australian listed property there as well.","start":2553.5798,"end":2563.825,"sentiment":"neutral","sentiment_score":0.055410616375781874},{"text":"You can also have other investments like credit funds and things like that, unlisted property and things, but we don't invest in those sort of things.","start":2563.825,"end":2570.4,"sentiment":"neutral","sentiment_score":-0.001107898039313463},{"text":"We try to keep everything liquid so it can be withdrawn if it needed to quickly.","start":2570.4,"end":2574.5798,"sentiment":"neutral","sentiment_score":-0.03214656712953001},{"text":"Okay?","start":2576.0,"end":2576.48,"sentiment":"neutral","sentiment_score":0.0638389140367508}],"sentiment":"neutral","sentiment_score":-0.002839033778470296,"num_words":78,"start":2550.9,"end":2576.48},{"sentences":[{"text":"And then with a high growth profile, you so you see 90% in those high growth investments, and you see about 10% generally in defensive investments of things like cash, bonds, and fixed interest.","start":2576.48,"end":2587.135,"sentiment":"neutral","sentiment_score":0.2051122832824202},{"text":"They are lower risk.","start":2587.135,"end":2588.415,"sentiment":"neutral","sentiment_score":0.14706347641185857},{"text":"They too tend to get a lower rate of return, but having a mix of your growth investments along with those defensive investments helps to spread your risk level over time.","start":2588.415,"end":2596.755,"sentiment":"positive","sentiment_score":0.33472340770306125},{"text":"It also helps to take advantage of different market conditions as well.","start":2597.04,"end":2600.4202,"sentiment":"positive","sentiment_score":0.36452856411536533},{"text":"It's not always a rule of thumb, but, historically, when, say, equities aren't performing as well, we do tend to find defensive investments can sort of provide greater returns.","start":2600.72,"end":2609.565,"sentiment":"neutral","sentiment_score":0.2065756842494011}],"sentiment":"neutral","sentiment_score":0.2573048617151058,"num_words":110,"start":2576.48,"end":2609.565},{"sentences":[{"text":"So it's about trying to take advantage of different market conditions essentially.","start":2609.565,"end":2613.185,"sentiment":"neutral","sentiment_score":0.23928925891717276},{"text":"Does that make sense?","start":2613.405,"end":2614.4648,"sentiment":"neutral","sentiment_score":0.1460477840155363},{"text":"Yep.","start":2616.285,"end":2616.785,"sentiment":"neutral","sentiment_score":0.18814796209335327},{"text":"Perfect.","start":2617.085,"end":2617.325,"sentiment":"positive","sentiment_score":0.354757696390152},{"text":"Sorry about that.","start":2617.325,"end":2618.125,"sentiment":"neutral","sentiment_score":-0.014444579680760702}],"sentiment":"neutral","sentiment_score":0.188344483929021,"num_words":21,"start":2609.565,"end":2618.125},{"sentences":[{"text":"I got a bit tongue tied.","start":2618.125,"end":2619.425,"sentiment":"neutral","sentiment_score":-0.13049931451678276},{"text":"All good.","start":2627.9001,"end":2628.72,"sentiment":"positive","sentiment_score":0.5448813438415527},{"text":"I still see you've been in that high growth environment quite comfortably.","start":2629.1,"end":2632.4001,"sentiment":"positive","sentiment_score":0.5946246335903803},{"text":"You're fairly comfortable remaining in that sort of environment with your super.","start":2632.46,"end":2636.0,"sentiment":"positive","sentiment_score":0.39766376962264377},{"text":"Yep.","start":2636.645,"end":2637.145,"sentiment":"neutral","sentiment_score":0.1431341916322708}],"sentiment":"positive","sentiment_score":0.3744655100233627,"num_words":33,"start":2618.125,"end":2637.145},{"sentences":[{"text":"Yep.","start":2637.285,"end":2637.685,"sentiment":"neutral","sentiment_score":0.2297360897064209},{"text":"Beautiful.","start":2637.685,"end":2638.185,"sentiment":"positive","sentiment_score":0.5008398294448853},{"text":"The last thing to run through with you is just to kind of update any major circumstances and your asset changes.","start":2639.045,"end":2644.4849,"sentiment":"neutral","sentiment_score":0.15452555176757632},{"text":"I've got here, you've had a change in income.","start":2644.4849,"end":2646.565,"sentiment":"neutral","sentiment_score":0.0776045202381081},{"text":"You mentioned that was about 99,400.","start":2646.565,"end":2649.765,"sentiment":"neutral","sentiment_score":0.03611872065812349}],"sentiment":"neutral","sentiment_score":0.1287043555884769,"num_words":38,"start":2637.285,"end":2649.765},{"sentences":[{"text":"Is that right?","start":2649.765,"end":2650.325,"sentiment":"neutral","sentiment_score":0.037500036880373955},{"text":"Sorry?","start":2650.325,"end":2650.825,"sentiment":"neutral","sentiment_score":-0.013817553408443928},{"text":"Yep.","start":2652.09,"end":2652.4102,"sentiment":"neutral","sentiment_score":0.09817885607481004},{"text":"Yep.","start":2652.4102,"end":2652.7302,"sentiment":"neutral","sentiment_score":0.17621669173240662},{"text":"Beautiful.","start":2652.7302,"end":2653.2302,"sentiment":"positive","sentiment_score":0.5207809805870056}],"sentiment":"neutral","sentiment_score":0.12769415508955717,"num_words":7,"start":2649.765,"end":2653.2302},{"sentences":[{"text":"Excellent.","start":2653.53,"end":2654.03,"sentiment":"positive","sentiment_score":0.4870941638946533},{"text":"And then we've got down here, are you managing to put much away in the way of savings out of your income, or is everything kinda going towards your bills?","start":2655.29,"end":2662.59,"sentiment":"neutral","sentiment_score":0.07420731199284394},{"text":"Okay.","start":2665.865,"end":2666.365,"sentiment":"neutral","sentiment_score":0.08402994275093079},{"text":"Yeah.","start":2672.105,"end":2672.5051,"sentiment":"neutral","sentiment_score":0.090554878115654},{"text":"Nice.","start":2672.5051,"end":2673.0051,"sentiment":"positive","sentiment_score":0.4568760097026825}],"sentiment":"neutral","sentiment_score":0.0983757163014482,"num_words":34,"start":2653.53,"end":2673.0051},{"sentences":[{"text":"Absolutely.","start":2673.865,"end":2674.365,"sentiment":"neutral","sentiment_score":0.2346230447292328},{"text":"What kind of rent out is he doing?","start":2674.585,"end":2676.205,"sentiment":"neutral","sentiment_score":0.09949298389256},{"text":"Nice.","start":2679.71,"end":2680.21,"sentiment":"neutral","sentiment_score":0.277845561504364},{"text":"Nice.","start":2683.31,"end":2683.81,"sentiment":"positive","sentiment_score":0.501879096031189},{"text":"Absolutely.","start":2693.2449,"end":2693.7449,"sentiment":"neutral","sentiment_score":0.08941993862390518}],"sentiment":"neutral","sentiment_score":0.15830929266909757,"num_words":12,"start":2673.865,"end":2693.7449},{"sentences":[{"text":"No.","start":2694.045,"end":2694.365,"sentiment":"neutral","sentiment_score":0.0428156703710556},{"text":"Fantastic.","start":2694.365,"end":2694.865,"sentiment":"neutral","sentiment_score":0.1966460794210434},{"text":"Do you have sort of a time frame on when you're hoping to have them completed, or you're just sort of going with the flow?","start":2695.085,"end":2700.4648,"sentiment":"neutral","sentiment_score":0.08215626016259193},{"text":"Wow.","start":2705.45,"end":2705.95,"sentiment":"neutral","sentiment_score":0.24767810106277463},{"text":"Yeah.","start":2709.37,"end":2709.87,"sentiment":"neutral","sentiment_score":-0.13677887618541718}],"sentiment":"neutral","sentiment_score":0.08290577512876741,"num_words":29,"start":2694.045,"end":2709.87},{"sentences":[{"text":"No.","start":2711.1301,"end":2711.6301,"sentiment":"neutral","sentiment_score":-0.1721518486738205},{"text":"Understandable.","start":2711.69,"end":2712.19,"sentiment":"neutral","sentiment_score":-0.13707704842090607},{"text":"You've done well.","start":2713.145,"end":2714.025,"sentiment":"neutral","sentiment_score":-0.13232404987017313},{"text":"Renovating's a lot.","start":2714.025,"end":2714.9849,"sentiment":"neutral","sentiment_score":-0.28315583368142444},{"text":"It's a very stressful endeavor.","start":2714.9849,"end":2716.265,"sentiment":"neutral","sentiment_score":-0.32297190427780154}],"sentiment":"neutral","sentiment_score":-0.24388677454911745,"num_words":13,"start":2711.1301,"end":2716.265},{"sentences":[{"text":"I'm trying to do my backyard at the moment.","start":2716.265,"end":2718.445,"sentiment":"neutral","sentiment_score":-0.1058479357096884},{"text":"Yeah.","start":2724.345,"end":2724.7449,"sentiment":"neutral","sentiment_score":-0.0928838551044464},{"text":"I bet.","start":2724.7449,"end":2725.2249,"sentiment":"neutral","sentiment_score":-0.11911584064364433},{"text":"I bet.","start":2725.2249,"end":2725.7048,"sentiment":"neutral","sentiment_score":-0.10178292542695999},{"text":"I said to my husband, we'll see if we end up in divorce court by the end of this, runner.","start":2725.7048,"end":2735.6877,"sentiment":"neutral","sentiment_score":-0.07739724144339562}],"sentiment":"neutral","sentiment_score":-0.0892722834559048,"num_words":34,"start":2716.265,"end":2735.6877},{"sentences":[{"text":"Nice.","start":2735.6877,"end":2735.919,"sentiment":"positive","sentiment_score":0.4417229890823364},{"text":"Well, hopefully, it's all done and looks fantastic for you soon so you can enjoy it.","start":2735.919,"end":2739.83,"sentiment":"positive","sentiment_score":0.45688265934586525},{"text":"Yeah.","start":2739.83,"end":2740.33,"sentiment":"neutral","sentiment_score":0.17200976610183716},{"text":"All good.","start":2741.165,"end":2741.905,"sentiment":"neutral","sentiment_score":0.22450701892375946},{"text":"Looking at your other assets, I have your main primary residence to your home.","start":2742.685,"end":2746.685,"sentiment":"neutral","sentiment_score":0.0881330855190754}],"sentiment":"neutral","sentiment_score":0.28255095705389977,"num_words":34,"start":2735.6877,"end":2746.685},{"sentences":[{"text":"We have an asset value noted currently of 580,000.","start":2746.685,"end":2750.465,"sentiment":"neutral","sentiment_score":0.061970454537206225},{"text":"A good way of looking at that is if you haven't had it valued is if you had to sell that property, what would you wanna get for it?","start":2750.605,"end":2757.55,"sentiment":"neutral","sentiment_score":0.07011787452060601},{"text":"What value is it to you?","start":2757.55,"end":2759.17,"sentiment":"neutral","sentiment_score":-0.003403077833354473},{"text":"Yep.","start":2762.59,"end":2762.99,"sentiment":"neutral","sentiment_score":0.08602997660636902},{"text":"Perfect.","start":2762.99,"end":2763.49,"sentiment":"neutral","sentiment_score":0.2560429573059082}],"sentiment":"neutral","sentiment_score":0.06332188954009958,"num_words":46,"start":2746.685,"end":2763.49},{"sentences":[{"text":"Excellent.","start":2763.79,"end":2764.29,"sentiment":"neutral","sentiment_score":0.2897520661354065},{"text":"And mortgage, we had owing about 250,000.","start":2764.91,"end":2767.985,"sentiment":"neutral","sentiment_score":0.04790493859244244},{"text":"Have you reduced that a little bit even with the interest rate rises?","start":2767.985,"end":2770.965,"sentiment":"neutral","sentiment_score":-0.015189208663426913},{"text":"Mhmm.","start":2773.8252,"end":2774.3252,"sentiment":"neutral","sentiment_score":-0.05706734582781792},{"text":"Okay.","start":2777.185,"end":2777.685,"sentiment":"neutral","sentiment_score":0.024936191737651825}],"sentiment":"neutral","sentiment_score":0.017195468242077724,"num_words":23,"start":2763.79,"end":2777.685},{"sentences":[{"text":"Perfect.","start":2777.985,"end":2778.485,"sentiment":"neutral","sentiment_score":0.09072686731815338},{"text":"Yep.","start":2787.49,"end":2787.99,"sentiment":"neutral","sentiment_score":0.05040609836578369},{"text":"Perfect.","start":2788.53,"end":2789.03,"sentiment":"positive","sentiment_score":0.3462260961532593},{"text":"Refiners.","start":2789.49,"end":2789.99,"sentiment":"neutral","sentiment_score":0.17483928799629211},{"text":"And did you have it on variable, or did you get it put on fixed?","start":2790.13,"end":2793.3499,"sentiment":"neutral","sentiment_score":-5.852989852428437e-6}],"sentiment":"neutral","sentiment_score":0.0348479239466159,"num_words":19,"start":2777.985,"end":2793.3499},{"sentences":[{"text":"Yeah.","start":2794.685,"end":2795.0051,"sentiment":"neutral","sentiment_score":0.05775697901844978},{"text":"Beautiful.","start":2795.0051,"end":2795.485,"sentiment":"neutral","sentiment_score":0.16920217871665957},{"text":"And for how many years?","start":2795.485,"end":2796.525,"sentiment":"neutral","sentiment_score":0.012672335840761662},{"text":"Do you remember?","start":2796.525,"end":2797.2651,"sentiment":"neutral","sentiment_score":-0.0071531543508172035},{"text":"Yeah.","start":2804.125,"end":2804.625,"sentiment":"neutral","sentiment_score":0.010981105268001556}],"sentiment":"neutral","sentiment_score":0.02544022537767887,"num_words":11,"start":2794.685,"end":2804.625},{"sentences":[{"text":"Three years?","start":2807.9,"end":2808.7,"sentiment":"neutral","sentiment_score":0.009204509668052197},{"text":"Beautiful.","start":2808.7,"end":2809.2,"sentiment":"neutral","sentiment_score":0.19367563724517825},{"text":"And did you do it before the interest rate?","start":2809.3398,"end":2811.42,"sentiment":"neutral","sentiment_score":0.007209291371206443},{"text":"Right.","start":2811.42,"end":2811.92,"sentiment":"neutral","sentiment_score":0.03629722446203232},{"text":"Nice.","start":2813.74,"end":2814.24,"sentiment":"neutral","sentiment_score":0.14886334538459778}],"sentiment":"neutral","sentiment_score":0.03300920348348362,"num_words":14,"start":2807.9,"end":2814.24},{"sentences":[{"text":"Yeah.","start":2817.8198,"end":2818.3198,"sentiment":"neutral","sentiment_score":-0.024579428136348724},{"text":"Yeah.","start":2822.745,"end":2823.245,"sentiment":"neutral","sentiment_score":-0.026032716035842896},{"text":"No.","start":2823.305,"end":2823.705,"sentiment":"neutral","sentiment_score":-0.04160768538713455},{"text":"Perfect.","start":2823.705,"end":2824.205,"sentiment":"positive","sentiment_score":0.3925431668758392},{"text":"Excellent.","start":2824.425,"end":2824.925,"sentiment":"positive","sentiment_score":0.47769665718078613}],"sentiment":"neutral","sentiment_score":0.15560399889945983,"num_words":5,"start":2817.8198,"end":2824.925},{"sentences":[{"text":"And I've got down here your u so your car valued at about 35,000.","start":2825.705,"end":2829.885,"sentiment":"neutral","sentiment_score":0.06935250612774066},{"text":"What sort of value would you put on that at the moment, do you think?","start":2830.185,"end":2832.99,"sentiment":"neutral","sentiment_score":-0.012990123343964417},{"text":"Okay.","start":2834.83,"end":2835.23,"sentiment":"neutral","sentiment_score":0.03312079608440399},{"text":"Perfect.","start":2835.23,"end":2835.73,"sentiment":"neutral","sentiment_score":0.12798741459846497},{"text":"Click on.","start":2836.43,"end":2837.25,"sentiment":"neutral","sentiment_score":0.0057184037286788225}],"sentiment":"neutral","sentiment_score":0.02874631072027665,"num_words":33,"start":2825.705,"end":2837.25},{"sentences":[{"text":"Okay.","start":2841.31,"end":2841.81,"sentiment":"neutral","sentiment_score":-0.003767196089029312},{"text":"The I also had an SUV down.","start":2842.59,"end":2844.51,"sentiment":"neutral","sentiment_score":-0.022256395114319667},{"text":"So you do you only have the SUV at the moment, or is that a secondary vehicle you've got?","start":2844.51,"end":2848.93,"sentiment":"neutral","sentiment_score":-0.015923047732365758},{"text":"Okay.","start":2851.605,"end":2852.105,"sentiment":"neutral","sentiment_score":-0.018075507134199142},{"text":"Yep.","start":2853.0452,"end":2853.5452,"sentiment":"neutral","sentiment_score":-0.009321742691099644}],"sentiment":"neutral","sentiment_score":-0.016879210987224662,"num_words":29,"start":2841.31,"end":2853.5452},{"sentences":[{"text":"Yep.","start":2860.0852,"end":2860.5852,"sentiment":"neutral","sentiment_score":0.01925520785152912},{"text":"Okay.","start":2860.8052,"end":2861.205,"sentiment":"neutral","sentiment_score":0.04762709513306618},{"text":"Perfect.","start":2861.205,"end":2861.605,"sentiment":"neutral","sentiment_score":0.1158675253391266},{"text":"What kind of car did you end up getting?","start":2861.605,"end":2863.3052,"sentiment":"neutral","sentiment_score":0.03981918779512247},{"text":"Okay.","start":2865.47,"end":2865.95,"sentiment":"neutral","sentiment_score":0.06877335160970688}],"sentiment":"neutral","sentiment_score":0.04691506692996392,"num_words":13,"start":2860.0852,"end":2865.95},{"sentences":[{"text":"Perfect.","start":2865.95,"end":2866.45,"sentiment":"neutral","sentiment_score":0.14592787623405457},{"text":"See, our masters are good, aren't they?","start":2866.59,"end":2868.6099,"sentiment":"neutral","sentiment_score":0.12486091256141663},{"text":"Absolutely.","start":2873.55,"end":2874.05,"sentiment":"neutral","sentiment_score":0.0632382482290268},{"text":"That's it.","start":2878.385,"end":2879.025,"sentiment":"neutral","sentiment_score":0.08066000416874886},{"text":"That's it.","start":2879.025,"end":2879.745,"sentiment":"neutral","sentiment_score":0.13251033425331116}],"sentiment":"neutral","sentiment_score":0.11611793763362445,"num_words":13,"start":2865.95,"end":2879.745},{"sentences":[{"text":"All good.","start":2879.745,"end":2880.225,"sentiment":"neutral","sentiment_score":0.27291441708803177},{"text":"And you would put about 15,000 on the CX five.","start":2880.225,"end":2882.945,"sentiment":"neutral","sentiment_score":0.05028415508568287},{"text":"Is that right?","start":2882.945,"end":2883.745,"sentiment":"neutral","sentiment_score":0.043626574178536735},{"text":"Yep.","start":2883.745,"end":2884.145,"sentiment":"neutral","sentiment_score":0.04025101289153099},{"text":"Yep.","start":2884.145,"end":2884.465,"sentiment":"neutral","sentiment_score":0.08391313254833221}],"sentiment":"neutral","sentiment_score":0.07668907370637446,"num_words":17,"start":2879.745,"end":2884.465},{"sentences":[{"text":"Beautiful.","start":2884.465,"end":2884.945,"sentiment":"neutral","sentiment_score":0.2429959923028946},{"text":"No debt on that vehicle.","start":2884.945,"end":2886.065,"sentiment":"neutral","sentiment_score":0.03679670840501785},{"text":"It's owned outright, is it?","start":2886.065,"end":2887.525,"sentiment":"neutral","sentiment_score":0.022956797387450933},{"text":"Yeah.","start":2892.64,"end":2893.14,"sentiment":"neutral","sentiment_score":0.03215432167053223},{"text":"Yep.","start":2895.3599,"end":2895.76,"sentiment":"neutral","sentiment_score":0.061460819095373154}],"sentiment":"neutral","sentiment_score":0.04887528169470338,"num_words":13,"start":2884.465,"end":2895.76},{"sentences":[{"text":"That's okay.","start":2895.76,"end":2896.5598,"sentiment":"neutral","sentiment_score":0.08798553422093391},{"text":"Not a problem.","start":2896.5598,"end":2897.38,"sentiment":"neutral","sentiment_score":0.03623933531343937},{"text":"That's right.","start":2901.375,"end":2901.855,"sentiment":"neutral","sentiment_score":0.018199004232883453},{"text":"Did you happen to utilize some of the mortgage to kind of help purchase that?","start":2901.855,"end":2906.895,"sentiment":"neutral","sentiment_score":0.011801699362695216},{"text":"Is that where you're sort of going with that?","start":2906.895,"end":2908.495,"sentiment":"neutral","sentiment_score":0.012397950825591883}],"sentiment":"neutral","sentiment_score":0.01966755260382929,"num_words":31,"start":2895.76,"end":2908.495},{"sentences":[{"text":"Yeah.","start":2908.495,"end":2908.735,"sentiment":"neutral","sentiment_score":0.04699308052659035},{"text":"That's okay.","start":2908.735,"end":2909.455,"sentiment":"neutral","sentiment_score":0.0906214602291584},{"text":"Perfect.","start":2909.455,"end":2909.955,"sentiment":"positive","sentiment_score":0.35789141058921814},{"text":"Easy.","start":2910.2551,"end":2910.735,"sentiment":"neutral","sentiment_score":0.2869752049446106},{"text":"Not a problem at all.","start":2910.735,"end":2912.035,"sentiment":"neutral","sentiment_score":0.16217030286788942}],"sentiment":"neutral","sentiment_score":0.1683954130858183,"num_words":10,"start":2908.495,"end":2912.035},{"sentences":[{"text":"And the SUV, I had a asset value of about 30,000.","start":2912.415,"end":2916.095,"sentiment":"neutral","sentiment_score":0.03871568055315451},{"text":"What sort of value would you put on that, do you think?","start":2916.095,"end":2918.47,"sentiment":"neutral","sentiment_score":0.008252556125322977},{"text":"Yeah.","start":2922.29,"end":2922.79,"sentiment":"neutral","sentiment_score":-0.003491393057629466},{"text":"Yeah.","start":2924.6099,"end":2925.1099,"sentiment":"neutral","sentiment_score":0.013424266129732132},{"text":"Yeah.","start":2925.5698,"end":2925.97,"sentiment":"neutral","sentiment_score":0.061340153217315674}],"sentiment":"neutral","sentiment_score":0.022929853302999757,"num_words":26,"start":2912.415,"end":2925.97},{"sentences":[{"text":"Perfect.","start":2925.97,"end":2926.47,"sentiment":"neutral","sentiment_score":0.2837216556072235},{"text":"And I had an a loan on that one of 8,000.","start":2926.6099,"end":2929.25,"sentiment":"neutral","sentiment_score":0.00871719132092866},{"text":"Have you cleared that one out at all?","start":2929.25,"end":2930.93,"sentiment":"neutral","sentiment_score":-0.012314720777794719},{"text":"Or yep.","start":2930.93,"end":2934.005,"sentiment":"neutral","sentiment_score":0.012018506415188313},{"text":"Perfect.","start":2934.005,"end":2934.505,"sentiment":"neutral","sentiment_score":0.17497685551643372}],"sentiment":"neutral","sentiment_score":0.02087421140269093,"num_words":23,"start":2925.97,"end":2934.505},{"sentences":[{"text":"It was all consolidated.","start":2936.7249,"end":2937.9448,"sentiment":"neutral","sentiment_score":0.0766456127166748},{"text":"Yeah.","start":2938.325,"end":2938.7249,"sentiment":"neutral","sentiment_score":0.07509955018758774},{"text":"Perfect.","start":2938.7249,"end":2939.2249,"sentiment":"neutral","sentiment_score":0.31670862436294556},{"text":"Not an issue at all.","start":2939.525,"end":2941.125,"sentiment":"neutral","sentiment_score":0.09578112214803695},{"text":"And with the SUV, what kind of vehicle is it?","start":2941.125,"end":2943.285,"sentiment":"neutral","sentiment_score":0.012521781772375108}],"sentiment":"neutral","sentiment_score":0.062024478756246115,"num_words":21,"start":2936.7249,"end":2943.285},{"sentences":[{"text":"Just so I can distinguish it between the vehicles here for you.","start":2943.285,"end":2946.505,"sentiment":"neutral","sentiment_score":0.03305779366443554},{"text":"Beautiful.","start":2948.52,"end":2949.02,"sentiment":"positive","sentiment_score":0.6857960224151611},{"text":"They are a great car.","start":2949.1602,"end":2950.36,"sentiment":"positive","sentiment_score":0.7464580774307251},{"text":"I do love a good 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anywhere.","start":2969.4548,"end":2972.755,"sentiment":"neutral","sentiment_score":0.06282197839270036},{"text":"Yep.","start":2977.5,"end":2978.0,"sentiment":"neutral","sentiment_score":-0.002581816865131259}],"sentiment":"neutral","sentiment_score":0.18184591901954264,"num_words":30,"start":2957.96,"end":2978.0},{"sentences":[{"text":"Yep.","start":2981.1,"end":2981.6,"sentiment":"neutral","sentiment_score":-0.0007261354476213455},{"text":"Yeah.","start":2983.5,"end":2983.9001,"sentiment":"neutral","sentiment_score":0.03881923109292984},{"text":"That's okay.","start":2983.9001,"end":2984.54,"sentiment":"neutral","sentiment_score":0.09616141766309738},{"text":"You got the cars to make the memories now, and then later down the track, you can have the cool car 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fantastic.","start":2995.1448,"end":2996.125,"sentiment":"neutral","sentiment_score":0.2683866967757543}],"sentiment":"neutral","sentiment_score":0.16538010803716524,"num_words":7,"start":2992.265,"end":2996.125},{"sentences":[{"text":"Do you have any other goals that you're sort of hoping to achieve over the next sort of three to five years, or are you just focusing on super and family life?","start":2996.1848,"end":3003.2249,"sentiment":"neutral","sentiment_score":0.03546101710526273},{"text":"Or Yeah.","start":3003.2249,"end":3005.1401,"sentiment":"neutral","sentiment_score":-0.03018753509968519},{"text":"Yep.","start":3010.96,"end":3011.46,"sentiment":"neutral","sentiment_score":0.005336391739547253},{"text":"Yeah.","start":3022.335,"end":3022.7349,"sentiment":"neutral","sentiment_score":0.01999450102448463},{"text":"Perfect.","start":3022.7349,"end":3023.2349,"sentiment":"neutral","sentiment_score":0.11563809216022491}],"sentiment":"neutral","sentiment_score":0.03284720167819712,"num_words":37,"start":2996.1848,"end":3023.2349},{"sentences":[{"text":"Yep.","start":3023.775,"end":3024.275,"sentiment":"neutral","sentiment_score":0.05833872780203819},{"text":"Investment.","start":3030.35,"end":3030.85,"sentiment":"neutral","sentiment_score":0.04627599939703941},{"text":"Yeah.","start":3031.07,"end":3031.4702,"sentiment":"neutral","sentiment_score":0.10036234557628632},{"text":"Perfect.","start":3031.4702,"end":3031.9702,"sentiment":"positive","sentiment_score":0.33992308378219604},{"text":"That sounds fantastic.","start":3032.11,"end":3033.1702,"sentiment":"positive","sentiment_score":0.5213681360085806}],"sentiment":"neutral","sentiment_score":0.3012863663690431,"num_words":7,"start":3023.775,"end":3033.1702},{"sentences":[{"text":"Excellent.","start":3033.55,"end":3034.05,"sentiment":"positive","sentiment_score":0.4248672127723694},{"text":"We're definitely here to help you with that down the track if you do need it.","start":3034.51,"end":3037.9502,"sentiment":"neutral","sentiment_score":0.31766673224046826},{"text":"I do also provide advice around cash on budgeting.","start":3037.9502,"end":3040.53,"sentiment":"neutral","sentiment_score":0.28431863089402515},{"text":"I can help we can, you know, help you or send you to a mortgage broker if you do need those services.","start":3041.085,"end":3045.4849,"sentiment":"neutral","sentiment_score":0.30126450007612054},{"text":"That's all part of, you know, what we do.","start":3045.4849,"end":3047.665,"sentiment":"neutral","sentiment_score":0.28197728594144184}],"sentiment":"neutral","sentiment_score":0.30231609090901257,"num_words":57,"start":3033.55,"end":3047.665},{"sentences":[{"text":"Mortgage broking services are all free for yourself, which is great, and trying to get you the best rate you possible can on your loans.","start":3047.7249,"end":3053.905,"sentiment":"positive","sentiment_score":0.4696948355436325},{"text":"But we are here to provide additional advice.","start":3054.95,"end":3056.7898,"sentiment":"neutral","sentiment_score":0.28582875058054924},{"text":"We have full licensed advisers there.","start":3056.7898,"end":3058.97,"sentiment":"neutral","sentiment_score":0.27653293311595917},{"text":"I will get Maddie to do up the annual review pack shortly for you and send it through.","start":3059.51,"end":3063.3499,"sentiment":"neutral","sentiment_score":0.3243221640586853},{"text":"It will have all the information that we've kinda gone through with your certificate of currencies, your investment portfolio, showing you sort of what the returns look like on that and everything we've gone through.","start":3063.3499,"end":3072.995,"sentiment":"neutral","sentiment_score":0.29014168466840473}],"sentiment":"positive","sentiment_score":0.3443582218302333,"num_words":92,"start":3047.7249,"end":3072.995},{"sentences":[{"text":"It'll also have your ongoing service agreement attached.","start":3073.695,"end":3076.495,"sentiment":"neutral","sentiment_score":0.15916563011705875},{"text":"So at the moment, you are on the ongoing service agreement rate of 1.1%.","start":3076.495,"end":3081.315,"sentiment":"neutral","sentiment_score":0.14524684420653752},{"text":"That just continues to the next twelve months.","start":3081.66,"end":3083.3398,"sentiment":"neutral","sentiment_score":0.17941737920045853},{"text":"If you're happy to stay on that, that allows us to continue providing advice.","start":3083.3398,"end":3086.7998,"sentiment":"positive","sentiment_score":0.3619636744260788},{"text":"Any advice we do provide is completely complimentary as part of that agreement.","start":3087.3398,"end":3091.26,"sentiment":"positive","sentiment_score":0.3981132759497716}],"sentiment":"neutral","sentiment_score":0.2628962091709438,"num_words":57,"start":3073.695,"end":3091.26},{"sentences":[{"text":"So there's no when you came on board originally, you probably paid that up front implementation fee that won't exist in any other advice documents ever again, and you just pay that 1.1% ongoing.","start":3091.26,"end":3103.115,"sentiment":"neutral","sentiment_score":-0.052927401177037287},{"text":"But that'll be on the on the email for you through Odoo.","start":3103.115,"end":3106.475,"sentiment":"neutral","sentiment_score":0.11954417948921521},{"text":"It's our new system for utilizing.","start":3106.475,"end":3108.335,"sentiment":"neutral","sentiment_score":0.15660305321216583},{"text":"So feel free to have a read through those documents.","start":3108.9502,"end":3111.35,"sentiment":"neutral","sentiment_score":0.19724862277507782},{"text":"If you find you have any questions, please let me know.","start":3111.35,"end":3114.09,"sentiment":"neutral","sentiment_score":0.09974406016143886}],"sentiment":"neutral","sentiment_score":0.049921749625355005,"num_words":73,"start":3091.26,"end":3114.09},{"sentences":[{"text":"I will also get Maddie to add in there the financial services guide, which runs you through everything about who we are, what we do, how we do it.","start":3115.11,"end":3122.7102,"sentiment":"neutral","sentiment_score":0.28664126581159133},{"text":"It has all my licensing information as a full licensed adviser.","start":3122.7102,"end":3126.2249,"sentiment":"neutral","sentiment_score":0.26301316916942596},{"text":"I registered through ASIC, and my registration number is 1304394.","start":3126.685,"end":3131.2449,"sentiment":"neutral","sentiment_score":0.2098140001296997},{"text":"You'll see my photo and all the information on me and my registration details in there so you can get a feel for who I am and get to know me as the adviser.","start":3131.2449,"end":3139.345,"sentiment":"neutral","sentiment_score":0.2682807997745626},{"text":"Okay?","start":3139.645,"end":3140.145,"sentiment":"neutral","sentiment_score":0.23889228701591492}],"sentiment":"neutral","sentiment_score":0.26663907117703384,"num_words":85,"start":3115.11,"end":3140.145},{"sentences":[{"text":"Easy.","start":3142.06,"end":3142.46,"sentiment":"positive","sentiment_score":0.46180540323257446},{"text":"Do you have any questions for me?","start":3142.46,"end":3144.38,"sentiment":"neutral","sentiment_score":0.15471807468150342},{"text":"I know I ask you everything under the sun, but is there anything you wanted to ask me, or is there anything else you wanted me to touch base on?","start":3144.38,"end":3150.94,"sentiment":"neutral","sentiment_score":0.029938837389151256},{"text":"Or Yeah.","start":3150.94,"end":3160.0151,"sentiment":"neutral","sentiment_score":0.09482487011700869},{"text":"Beautiful.","start":3160.155,"end":3160.655,"sentiment":"positive","sentiment_score":0.5576131343841553}],"sentiment":"neutral","sentiment_score":0.07781121761697095,"num_words":41,"start":3142.06,"end":3160.655},{"sentences":[{"text":"Beautiful.","start":3162.155,"end":3162.655,"sentiment":"positive","sentiment_score":0.6830799579620361},{"text":"Well, I've just been notified that your annual review documents will be hand delivered to you.","start":3162.7952,"end":3167.5352,"sentiment":"neutral","sentiment_score":0.2645960422232747},{"text":"So I believe they're gonna be special treatment.","start":3167.78,"end":3172.1199,"sentiment":"neutral","sentiment_score":0.14932574052363634},{"text":"So Maddie will get those organized and bring them around for you to sign and return back.","start":3176.18,"end":3180.075,"sentiment":"positive","sentiment_score":0.3607483208179474},{"text":"Okay?","start":3180.2349,"end":3180.7148,"sentiment":"neutral","sentiment_score":0.08278876543045044}],"sentiment":"neutral","sentiment_score":0.286668204117653,"num_words":43,"start":3162.155,"end":3180.7148},{"sentences":[{"text":"If you find there's any questions or anything we've missed, let me know.","start":3180.7148,"end":3184.075,"sentiment":"neutral","sentiment_score":0.09367397112342027},{"text":"Always happy to make time to chat to you.","start":3184.075,"end":3186.2349,"sentiment":"positive","sentiment_score":0.5912258691257901},{"text":"And I know you are finished work for the afternoon, so, hopefully, you get to go home and put your feet up and rest for a bit.","start":3186.2349,"end":3191.375,"sentiment":"neutral","sentiment_score":0.19665313456897382},{"text":"It's hot.","start":3194.6501,"end":3195.6301,"sentiment":"neutral","sentiment_score":-0.067421929910779},{"text":"Oh, wow.","start":3195.77,"end":3196.6702,"sentiment":"neutral","sentiment_score":-0.008028549957089126}],"sentiment":"neutral","sentiment_score":0.2207080777427006,"num_words":53,"start":3180.7148,"end":3196.6702},{"sentences":[{"text":"A bit of flat pack furniture to pick up.","start":3199.61,"end":3201.87,"sentiment":"neutral","sentiment_score":-0.035586263777481184},{"text":"Oh, beautiful.","start":3205.255,"end":3205.835,"sentiment":"neutral","sentiment_score":0.2311151623725891},{"text":"Thank you so much for your time today, Tyler.","start":3205.895,"end":3208.135,"sentiment":"positive","sentiment_score":0.5029504663414426},{"text":"It's been a pleasure to get to know you.","start":3208.135,"end":3209.995,"sentiment":"positive","sentiment_score":0.6005258096588982},{"text":"Can't wait to do this advice for you and get to know you a bit further, and I'll let you go so you can enjoy your afternoon a bit more.","start":3210.535,"end":3217.015,"sentiment":"neutral","sentiment_score":0.2498392934600512}],"sentiment":"neutral","sentiment_score":0.2977698176025839,"num_words":59,"start":3199.61,"end":3217.015},{"sentences":[{"text":"Okay?","start":3217.015,"end":3217.515,"sentiment":"neutral","sentiment_score":0.18282383680343628},{"text":"My pleasure.","start":3219.415,"end":3220.135,"sentiment":"positive","sentiment_score":0.4551369398832321},{"text":"Thanks for your time.","start":3220.135,"end":3221.015,"sentiment":"positive","sentiment_score":0.4721953868865967},{"text":"See you later.","start":3221.015,"end":3221.915,"sentiment":"neutral","sentiment_score":0.25658377011617023},{"text":"Bye.","start":3223.415,"end":3223.915,"sentiment":"neutral","sentiment_score":0.11090593785047533}],"sentiment":"positive","sentiment_score":0.3511396829377521,"num_words":11,"start":3217.015,"end":3223.915}]}}]},{"alternatives":[{"transcript":"Hello. Tyler speaking. Hey. Good day, and how are you? Oh, sorry. I was in the middle. I'm just waiting on work. Sorry. What was that? Yeah. Yeah. Of course it is. Yeah. Just jumping in the car, but yeah. Of course. Hello. Steven Follett, the twentieth of The 3rd 1993 And 18 Slash 24 Cannington Place, Holmesdale. Good. It's very hot. Same way. It's just hitting your thing. So it's definitely hot. Oh, yes. Not really. Not really. Probably, yeah, the mostly the insurance may be so much for my son. I was thinking of maybe increasing mine, but I'll probably I'll probably leave that for a bit and more look into trauma for him. Yeah. Probably just yeah. So I have another child, so every every dollar counts. So, you know, I've already got mine. I've had mine for a year, so nothing I mean, the amount's the amount. So this is what it is, so I don't really need to do anything as far as I go. But, yeah, I wouldn't mind doing it for my son, my first son. Two weeks. That's exactly right. Very big. Too big. Hopefully, I've been Yeah. That's correct. Yeah. No. I'd probably go for the go for this I'd probably go for the 100 again, like mine. Yeah. Yeah. Of course. Yeah. It doesn't really yeah. It doesn't really matter if it's two different companies or what. So that's not a problem. I mean, it doesn't doesn't matter in hindsight. Right? Yeah. Yes. Yeah. Yeah. Yeah. Yeah. Of course. Yeah. Yeah. True. Yeah. That's that's exactly that's probably why I'm trying to because I've got I've got some underwriting, so that's why I'm kinda like the earlier I get him in because he's obviously unscathed, the probably overall, the better. Yeah. Okay. Alright. Yeah. Yeah. Yeah. No. That's fine. Yeah. Kinda it's sad to be underwritten. Right? Like but, you know, it's it's fair enough or whatever. You know? Yeah. Yep. Sure. Yeah. Yeah. Yeah. Yeah. Of course. Yeah. I gotcha. Yeah. Yep. Yeah. That's cool. Yep. Yeah. No. That's that's basically more than a that's more more how would you say it? That's more than enough. You know? Yeah. Yeah. That's exactly right. Yeah. Which is easily achievable with a million. Yep. Yep. Yeah. Yeah. Yep. Yep. Yeah. I mean, it is what it is. I mean, it's a bit it's a bit weird how the HCI do that because then you can't. I mean, it's not like you're gonna lodge your tax return. I understand. Correct. Yeah. Yeah. Yeah. No. That's that's the world we live in. Yep. Wrong. Yep. Yeah. Yeah. I think yes. I think I'm $99.04 now. Yeah. Yeah. Yeah. Yeah. Yeah. No. I can I'm sure I can cut the losses. I'm on a good wicket at work, so it's good for as long as it may. I've been yeah. Like, I've got a bit of probably four years worth of sick leave, to be honest. So, yeah, I'm well well well off as far as those those those things go. Yeah. Yeah. Yep. Yeah. Gotcha. Okay. Yes. There. Yep. No. That's a yeah. No. That's all straightforward. That's good. Yep. Okay. Yep. I guess that's almost I guess that's an upgrade from Pinewood to Hardwood then. I think maybe golf. Yeah. Fucking. Yeah. Fuck. I don't know. Yeah. I should I should maybe ride a wheel then. Right? Yeah. Yeah. Definitely. No. We no. We haven't. Yeah. No. No. We haven't, but we we definitely plan on doing it now. Definitely now. Yeah. Yeah. Correct. Yep. Yeah. Yeah. Of course. Yeah. Yeah. Yeah. I mean yeah. Yeah. That's exactly right. Yeah. Might kick me in the bum and being the last two actually get one growing up. Yeah. Yeah. Yeah. Yeah. Well, hold on. I mean, once you have kids, it's I guess it becomes I guess the kids are the kids are the one thing anyway. You know? So Oh, that's it. Yeah. That's great for us. But I yeah. As long as they yeah. We've we've we've done well for our our our time. So, I mean, that'll be, yeah, that'll be definitely something at the end. Yep. Yeah. I'm sure I will. And then they have to get the fifty fifty, and now it's not just one child. It's two. Exactly right. Yeah. Yep. It's twenty ninth for the second twenty '24. No. That's okay. So Gary Gary William Follett? Oh, sorry. Sorry. No. No. Sorry. I got that wrong. I'm thinking of my new sons. It's Oscar William Follett. Yeah. Yeah. That's correct. Yeah. Yeah. It's it's alright. It's only new ones. It's it's in the talking terms now, so I'm getting mixed up. Yeah. Yeah. Well, when you ask what's their full name, it kinda took me a bit of a second ago. Fuck. What is his middle name again? Can't remember. You don't have to use it in you know? You don't have to use it much. Thank you. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Of course. That's, like, that's the game we play. Right? Can't win them all? Yes. It's okay. Yeah. Yeah. That's alright. Vienna o four. To be honest, not as much, especially in the first year with how how everything is going. I'd I'd rather just not look at not look at it because I can't I mean, I've just rolled into the year. So it's not me it's not worth me going, oh, what you know, complaining about complaining about it. Because at the end of the day, it's I get paid super, you know, from work. So it's not like I'm losing what I'm, you know, what I'm depending on right as of this stage of my life. It's like, oh, well, you you win some, you lose some. There's more going in. It kinda doesn't you know, it's not not much of a, yeah, not much of a thinking point for me at this point. Yeah. Yeah. Yep. Yeah. I mean, yeah, that's probably an idea because I know I know this year was high risk. Right? And it's and, I mean, it's done well in saying that. But, yeah, I mean, if you if you can suggest or advise something a bit more stable in a way, then, you know, let's probably look at that that avenue. Because that's what I mean. At the end of the day, going with Oakview Financial, it's it's not a a year and make and break and you end up leaving and that's like that. So I I do wanna try different methods. And at the end of the day, over the next couple years and figure out, you know, maybe I can I can branch out on a higher risk score? You you know what I mean? That's kinda you gotta try different things or you know what's manageable. Yep. Yeah. Yep. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Of course. And it's it's obviously not a new it's not a new generated thing. Like, we're talking it's it's been I guess, it's it's a good word for it. It's it's established. It's not a start up or a new new thing that's occurred in the last year or something. Okay. Yeah. Yeah. Yeah. Right. Yeah. Yeah. Of course. Because the only reason, I mean, you gotta when it when it comes to this, I guess it's the skeptical question of start up can start up quick or it can, you know, it can still be finding its feet. So I just don't wanna I mean, I'd probably, yeah, I'd probably be inter interested in it if it's performing so far to its day. But if it's if it's still very fluctuating and stuff of that nature, and that's all because it's kinda, I I don't know, a a new thing or say just a a new thing, then I'd rather, you know, kinda see risk in it then, if that if that makes sense. Yeah. Yeah. Yes. Yeah. That's probably yeah. I I definitely agree. Yeah. Yep. Easy, peasy. That's where I had a couple of weeks. There's a couple of weeks that I plan on going anyway? Yeah. Of course. Easy. Yep. Okay. No. Mod yeah. Moderate. In the middle. Yeah. No. I guess no answer, really. Like, I don't if it drops 20, it drops 20. I mean, it's as as I said before, you can't you're not gonna win all the time, but I guess sometimes you just gotta hold it down. Correct. Yeah. Yeah. Sure. Yeah. Be. That's it. Yeah. Yeah. Correct. Yeah. Yeah. Yeah. That's it. Yeah. I mean, we'd all, yeah, we'd all love to retire at 35, but in this day and age, that's incredibly hard. Yeah. I will do. You'll know about it. Don't worry. The super will get something. Not at this point in my life. No. That's that's the next investment. Yeah. Yeah. That's okay. Yep. No. Yeah. Yep. That does very much. It's okay. Don't be sorry. It's alright. It was the same with when you asked me my son's first name. Yeah. Of course. Yeah. Yeah. Correct. Yeah. Yeah. A little bit of savings on the side. But, yeah, as well as basically doing a heap of renos at home. So money's coming in. Money's going out. This big shed, big slab, just all outside, bathrooms about to get done. So, I mean, it's a it's a good time to do it with a growing family, and, also, I mean, any money you put into a house you own is gonna return eventually. Yeah. I mean, the bar I mean, everything's complete apart from the bathroom. It would have been great to have it done within the next two weeks, but can't make that happen. No. No. It is. Yeah. Don't worry. The last six months have been, yeah, a bit hectic. Yeah. Well, yeah, I don't think I'm far from that, but hopefully not. Of course. Of course. I reckon nowadays is about 7 low sevens. Yeah. I've no. Kinda hard to say, but I've refinanced. So I owe I believe it's I think it's $3.00 5 now. It's gone up. No. Fixed. Yeah. Fixed. I would have taken it again for on the fixed rate. Three years fixed. Yep. I I did. Yeah. I got in lucky, but I kinda, yeah, I kinda said three years to see if it'll fluctuate again, and that way I'm not locked in on a on a high. You know? That that car is now gone. Yep. So I just own another car probably, I don't know, $15 now. No. I do have I still have two cars. So I've still got the SUV, and The U it's gone, but I've now bought a different different car, probably a lower cost car. CX five. Yeah. Oh, they're great, and it's very family like. Right? I had to downgrade. So oh, well, it's an upgrade and a downgrade at the Same time. It's a dad car. Yeah. Yeah. I kinda yes. Yes. In a way, yes. It's owned outright. It doesn't have a carry of its own loan or anything of such on the vehicle. No. Correct. Yeah. Correct. Yeah. I reckon it's probably down to maybe 26 now just with the, you know, five years old, so it's depreciating. Same scenario. Oh oh, within the probably the $3.00 5 now. Yeah. Mitsubishi Outlander. Oh, they are awesome. Five years in from new, and it's still just as good as it was when I first got it. Oh, plus. Yes. I know. With the extension on the pram and stuff, you gotta think of that. Yeah. Yeah. That's why the math has become in a play. I was like, I can't get to sedan. I have to get, you know, you know, cut SUV type. Yeah. Well, bye boys later. Yeah. No. No. For sure. Probably in the next couple of I'll give it maybe two years. I I definitely looking into probably restructuring the house we have now and borrowing more money to buy another one from that. So yeah. So probably just an investment property, but we'll live in that one, and then the one we're in now will be the investment. Yeah. Yeah. Yes. Yep. Ah, this is here. Of course. Yep. Yep. Yeah. I did. Yeah. Yep. Okay. Yep. Yes. Sweet. Yep. Sweet. No worries. No. That's all pretty straightforward. I I I honestly thought before the call, it'll be pretty straightforward, which it was. Same with sign up, so it's always easy. Oh, wow. Yeah. No. That's awesome. Cool. Alright. Awesome. Yeah. You know, with kids and a wife, it doesn't work like that. I'm at our care now. So yeah. Yeah. We don't stop. Yeah. Yeah. We don't stop. You too. Easy done. Thanks so much. Alright. See you. Bye bye. 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Tyler speaking. Hey. Good day, and how are you? Oh, sorry.\n\nI was in the middle. I'm just waiting on work. Sorry. What was that? Yeah.\n\nYeah. Of course it is. Yeah. Just jumping in the car, but yeah. Of course.\n\nHello. Steven Follett, the twentieth of The 3rd 1993 And 18 Slash 24 Cannington Place, Holmesdale. Good. It's very hot. Same way.\n\nIt's just hitting your thing. So it's definitely hot. Oh, yes. Not really. Not really.\n\nProbably, yeah, the mostly the insurance may be so much for my son. I was thinking of maybe increasing mine, but I'll probably I'll probably leave that for a bit and more look into trauma for him. Yeah. Probably just yeah. So I have another child, so every every dollar counts.\n\nSo, you know, I've already got mine. I've had mine for a year, so nothing I mean, the amount's the amount. So this is what it is, so I don't really need to do anything as far as I go. But, yeah, I wouldn't mind doing it for my son, my first son. Two weeks.\n\nThat's exactly right. Very big. Too big. Hopefully, I've been Yeah. That's correct.\n\nYeah. No. I'd probably go for the go for this I'd probably go for the 100 again, like mine. Yeah. Yeah.\n\nOf course. Yeah. It doesn't really yeah. It doesn't really matter if it's two different companies or what. So that's not a problem.\n\nI mean, it doesn't doesn't matter in hindsight. Right? Yeah. Yes. Yeah.\n\nYeah. Yeah. Yeah. Of course. Yeah.\n\nYeah. True. Yeah. That's that's exactly that's probably why I'm trying to because I've got I've got some underwriting, so that's why I'm kinda like the earlier I get him in because he's obviously unscathed, the probably overall, the better. Yeah.\n\nOkay. Alright. Yeah. Yeah. Yeah.\n\nNo. That's fine. Yeah. Kinda it's sad to be underwritten. Right?\n\nLike but, you know, it's it's fair enough or whatever. You know? Yeah. Yep. Sure.\n\nYeah. Yeah. Yeah. Yeah. Of course.\n\nYeah. I gotcha. Yeah. Yep. Yeah.\n\nThat's cool. Yep. Yeah. No. That's that's basically more than a that's more more how would you say it?\n\nThat's more than enough. You know? Yeah. Yeah. That's exactly right.\n\nYeah. Which is easily achievable with a million. Yep. Yep. Yeah.\n\nYeah. Yep. Yep. Yeah. I mean, it is what it is.\n\nI mean, it's a bit it's a bit weird how the HCI do that because then you can't. I mean, it's not like you're gonna lodge your tax return. I understand. Correct. Yeah.\n\nYeah. Yeah. No. That's that's the world we live in. Yep.\n\nWrong. Yep. Yeah. Yeah. I think yes.\n\nI think I'm $99.04 now. Yeah. Yeah. Yeah. Yeah.\n\nYeah. No. I can I'm sure I can cut the losses. I'm on a good wicket at work, so it's good for as long as it may. I've been yeah.\n\nLike, I've got a bit of probably four years worth of sick leave, to be honest. So, yeah, I'm well well well off as far as those those those things go. Yeah. Yeah. Yep.\n\nYeah. Gotcha. Okay. Yes. There.\n\nYep. No. That's a yeah. No. That's all straightforward.\n\nThat's good. Yep. Okay. Yep. I guess that's almost I guess that's an upgrade from Pinewood to Hardwood then.\n\nI think maybe golf. Yeah. Fucking. Yeah. Fuck.\n\nI don't know. Yeah. I should I should maybe ride a wheel then. Right? Yeah.\n\nYeah. Definitely. No. We no. We haven't.\n\nYeah. No. No. We haven't, but we we definitely plan on doing it now. Definitely now.\n\nYeah. Yeah. Correct. Yep. Yeah.\n\nYeah. Of course. Yeah. Yeah. Yeah.\n\nI mean yeah. Yeah. That's exactly right. Yeah. Might kick me in the bum and being the last two actually get one growing up.\n\nYeah. Yeah. Yeah. Yeah. Well, hold on.\n\nI mean, once you have kids, it's I guess it becomes I guess the kids are the kids are the one thing anyway. You know? So Oh, that's it. Yeah. That's great for us.\n\nBut I yeah. As long as they yeah. We've we've we've done well for our our our time. So, I mean, that'll be, yeah, that'll be definitely something at the end. Yep.\n\nYeah. I'm sure I will. And then they have to get the fifty fifty, and now it's not just one child. It's two. Exactly right.\n\nYeah. Yep. It's twenty ninth for the second twenty '24. No. That's okay.\n\nSo Gary Gary William Follett? Oh, sorry. Sorry. No. No.\n\nSorry. I got that wrong. I'm thinking of my new sons. It's Oscar William Follett. Yeah.\n\nYeah. That's correct. Yeah. Yeah. It's it's alright.\n\nIt's only new ones. It's it's in the talking terms now, so I'm getting mixed up. Yeah. Yeah. Well, when you ask what's their full name, it kinda took me a bit of a second ago.\n\nFuck. What is his middle name again? Can't remember. You don't have to use it in you know? You don't have to use it much.\n\nThank you. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYes. Yep. Yep. Yeah. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Of course. That's, like, that's the game we play.\n\nRight? Can't win them all? Yes. It's okay. Yeah.\n\nYeah. That's alright. Vienna o four. To be honest, not as much, especially in the first year with how how everything is going. I'd I'd rather just not look at not look at it because I can't I mean, I've just rolled into the year.\n\nSo it's not me it's not worth me going, oh, what you know, complaining about complaining about it. Because at the end of the day, it's I get paid super, you know, from work. So it's not like I'm losing what I'm, you know, what I'm depending on right as of this stage of my life. It's like, oh, well, you you win some, you lose some. There's more going in.\n\nIt kinda doesn't you know, it's not not much of a, yeah, not much of a thinking point for me at this point. Yeah. Yeah. Yep. Yeah.\n\nI mean, yeah, that's probably an idea because I know I know this year was high risk. Right? And it's and, I mean, it's done well in saying that. But, yeah, I mean, if you if you can suggest or advise something a bit more stable in a way, then, you know, let's probably look at that that avenue. Because that's what I mean.\n\nAt the end of the day, going with Oakview Financial, it's it's not a a year and make and break and you end up leaving and that's like that. So I I do wanna try different methods. And at the end of the day, over the next couple years and figure out, you know, maybe I can I can branch out on a higher risk score? You you know what I mean? That's kinda you gotta try different things or you know what's manageable.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nYep. Yeah. Yeah. Yeah. Of course.\n\nAnd it's it's obviously not a new it's not a new generated thing. Like, we're talking it's it's been I guess, it's it's a good word for it. It's it's established. It's not a start up or a new new thing that's occurred in the last year or something. Okay.\n\nYeah. Yeah. Yeah. Right. Yeah.\n\nYeah. Of course. Because the only reason, I mean, you gotta when it when it comes to this, I guess it's the skeptical question of start up can start up quick or it can, you know, it can still be finding its feet. So I just don't wanna I mean, I'd probably, yeah, I'd probably be inter interested in it if it's performing so far to its day. But if it's if it's still very fluctuating and stuff of that nature, and that's all because it's kinda, I I don't know, a a new thing or say just a a new thing, then I'd rather, you know, kinda see risk in it then, if that if that makes sense.\n\nYeah. Yeah. Yes. Yeah. That's probably yeah.\n\nI I definitely agree. Yeah. Yep. Easy, peasy. That's where I had a couple of weeks.\n\nThere's a couple of weeks that I plan on going anyway? Yeah. Of course. Easy. Yep.\n\nOkay. No. Mod yeah. Moderate. In the middle.\n\nYeah. No. I guess no answer, really. Like, I don't if it drops 20, it drops 20. I mean, it's as as I said before, you can't you're not gonna win all the time, but I guess sometimes you just gotta hold it down.\n\nCorrect. Yeah. Yeah. Sure. Yeah.\n\nBe. That's it. Yeah. Yeah. Correct.\n\nYeah. Yeah. Yeah. That's it. Yeah.\n\nI mean, we'd all, yeah, we'd all love to retire at 35, but in this day and age, that's incredibly hard. Yeah. I will do. You'll know about it. Don't worry.\n\nThe super will get something. Not at this point in my life. No. That's that's the next investment. Yeah.\n\nYeah. That's okay. Yep. No. Yeah.\n\nYep. That does very much. It's okay. Don't be sorry. It's alright.\n\nIt was the same with when you asked me my son's first name. Yeah. Of course. Yeah. Yeah.\n\nCorrect. Yeah. Yeah. A little bit of savings on the side. But, yeah, as well as basically doing a heap of renos at home.\n\nSo money's coming in. Money's going out. This big shed, big slab, just all outside, bathrooms about to get done. So, I mean, it's a it's a good time to do it with a growing family, and, also, I mean, any money you put into a house you own is gonna return eventually. Yeah.\n\nI mean, the bar I mean, everything's complete apart from the bathroom. It would have been great to have it done within the next two weeks, but can't make that happen. No. No. It is.\n\nYeah. Don't worry. The last six months have been, yeah, a bit hectic. Yeah. Well, yeah, I don't think I'm far from that, but hopefully not.\n\nOf course. Of course. I reckon nowadays is about 7 low sevens. Yeah. I've no.\n\nKinda hard to say, but I've refinanced. So I owe I believe it's I think it's $3.00 5 now. It's gone up. No. Fixed.\n\nYeah. Fixed. I would have taken it again for on the fixed rate. Three years fixed. Yep.\n\nI I did. Yeah. I got in lucky, but I kinda, yeah, I kinda said three years to see if it'll fluctuate again, and that way I'm not locked in on a on a high. You know? That that car is now gone.\n\nYep. So I just own another car probably, I don't know, $15 now. No. I do have I still have two cars. So I've still got the SUV, and The U it's gone, but I've now bought a different different car, probably a lower cost car.\n\nCX five. Yeah. Oh, they're great, and it's very family like. Right? I had to downgrade.\n\nSo oh, well, it's an upgrade and a downgrade at the Same time. It's a dad car. Yeah. Yeah. I kinda yes.\n\nYes. In a way, yes. It's owned outright. It doesn't have a carry of its own loan or anything of such on the vehicle. No.\n\nCorrect. Yeah. Correct. Yeah. I reckon it's probably down to maybe 26 now just with the, you know, five years old, so it's depreciating.\n\nSame scenario. Oh oh, within the probably the $3.00 5 now. Yeah. Mitsubishi Outlander. Oh, they are awesome.\n\nFive years in from new, and it's still just as good as it was when I first got it. Oh, plus. Yes. I know. With the extension on the pram and stuff, you gotta think of that.\n\nYeah. Yeah. That's why the math has become in a play. I was like, I can't get to sedan. I have to get, you know, you know, cut SUV type.\n\nYeah. Well, bye boys later. Yeah. No. No.\n\nFor sure. Probably in the next couple of I'll give it maybe two years. I I definitely looking into probably restructuring the house we have now and borrowing more money to buy another one from that. So yeah. So probably just an investment property, but we'll live in that one, and then the one we're in now will be the investment.\n\nYeah. Yeah. Yes. Yep. Ah, this is here.\n\nOf course. Yep. Yep. Yeah. I did.\n\nYeah. Yep. Okay. Yep. Yes.\n\nSweet. Yep. Sweet. No worries. No.\n\nThat's all pretty straightforward. I I I honestly thought before the call, it'll be pretty straightforward, which it was. Same with sign up, so it's always easy. Oh, wow. Yeah.\n\nNo. That's awesome. Cool. Alright. Awesome.\n\nYeah. You know, with kids and a wife, it doesn't work like that. I'm at our care now. So yeah. Yeah.\n\nWe don't stop. Yeah. Yeah. We don't stop. You too.\n\nEasy done. Thanks so much. Alright. See you. Bye bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.037796854972839355},{"text":"Tyler speaking.","start":2.56,"end":3.46,"sentiment":"neutral","sentiment_score":0.03025843296200037},{"text":"Hey.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.24574249982833865},{"text":"Good day, and how are you?","start":8.48,"end":9.78,"sentiment":"positive","sentiment_score":0.372209573785464},{"text":"Oh, sorry.","start":18.615,"end":19.095001,"sentiment":"neutral","sentiment_score":-0.01710223313421011}],"sentiment":"neutral","sentiment_score":0.2119257664307952,"num_words":12,"start":0.39999998,"end":19.095001},{"sentences":[{"text":"I was in the middle.","start":19.095001,"end":19.815,"sentiment":"neutral","sentiment_score":-0.06607014611363411},{"text":"I'm just waiting on work.","start":19.815,"end":20.775,"sentiment":"neutral","sentiment_score":-0.08692170679569244},{"text":"Sorry.","start":20.775,"end":21.095001,"sentiment":"neutral","sentiment_score":-0.06065803021192551},{"text":"What was that?","start":21.095001,"end":21.995,"sentiment":"neutral","sentiment_score":-0.03616277997692426},{"text":"Yeah.","start":25.415,"end":25.915,"sentiment":"neutral","sentiment_score":0.1304883062839508}],"sentiment":"neutral","sentiment_score":-0.053574488560358687,"num_words":15,"start":19.095001,"end":25.915},{"sentences":[{"text":"Yeah.","start":26.055,"end":26.375,"sentiment":"neutral","sentiment_score":0.03815486282110214},{"text":"Of course it is.","start":26.375,"end":27.095001,"sentiment":"neutral","sentiment_score":0.04907906614243984},{"text":"Yeah.","start":27.095001,"end":27.335,"sentiment":"neutral","sentiment_score":0.049728117883205414},{"text":"Just jumping in the car, but yeah.","start":27.335,"end":28.98,"sentiment":"neutral","sentiment_score":0.06075999087521008},{"text":"Of course.","start":38.5,"end":39.16,"sentiment":"neutral","sentiment_score":0.13633155077695847}],"sentiment":"neutral","sentiment_score":0.0654788188636303,"num_words":15,"start":26.055,"end":39.16},{"sentences":[{"text":"Hello.","start":49.614998,"end":50.114998,"sentiment":"neutral","sentiment_score":0.04397326707839966},{"text":"Steven Follett, the twentieth of The 3rd 1993 And 18 Slash 24 Cannington Place, Holmesdale.","start":50.255,"end":57.635002,"sentiment":"neutral","sentiment_score":0.03665511993070444},{"text":"Good.","start":62.47,"end":62.71,"sentiment":"neutral","sentiment_score":0.1507386863231659},{"text":"It's very hot.","start":62.71,"end":63.850002,"sentiment":"neutral","sentiment_score":-0.01561988020936648},{"text":"Same 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my son.","start":99.585,"end":106.465,"sentiment":"neutral","sentiment_score":-0.1297254143999173},{"text":"I was thinking of maybe increasing mine, but I'll probably I'll probably leave that for a bit and more look into trauma for him.","start":106.465,"end":116.08,"sentiment":"neutral","sentiment_score":-0.12356809340417385},{"text":"Yeah.","start":127.274994,"end":127.774994,"sentiment":"neutral","sentiment_score":-0.0173978041857481},{"text":"Probably just yeah.","start":130.395,"end":132.315,"sentiment":"neutral","sentiment_score":-0.03282065441211065},{"text":"So I have another child, so every every dollar counts.","start":132.315,"end":136.575,"sentiment":"neutral","sentiment_score":-0.03050532881170511}],"sentiment":"neutral","sentiment_score":-0.09947015067525938,"num_words":51,"start":99.585,"end":136.575},{"sentences":[{"text":"So, you know, I've already got mine.","start":136.795,"end":141.26999,"sentiment":"neutral","sentiment_score":-0.031169628458363668},{"text":"I've had mine for a year, so nothing I mean, the amount's the amount.","start":141.26999,"end":145.43,"sentiment":"neutral","sentiment_score":-0.030222319266093627},{"text":"So this is what it is, so I don't really need to do anything as far as I go.","start":145.43,"end":150.39,"sentiment":"neutral","sentiment_score":-0.044711433596124776},{"text":"But, yeah, I wouldn't mind doing it for my son, my first son.","start":150.39,"end":155.75499,"sentiment":"neutral","sentiment_score":0.012755193174458467},{"text":"Two weeks.","start":163.97499,"end":164.61,"sentiment":"neutral","sentiment_score":0.08089523017406464}],"sentiment":"neutral","sentiment_score":-0.021149257011711598,"num_words":55,"start":136.795,"end":164.61},{"sentences":[{"text":"That's exactly right.","start":169.89,"end":171.01,"sentiment":"positive","sentiment_score":0.4503238300482432},{"text":"Very big.","start":171.01,"end":171.65,"sentiment":"neutral","sentiment_score":0.2850949615240097},{"text":"Too 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hindsight.","start":260.1,"end":262.28,"sentiment":"neutral","sentiment_score":0.025853393924990087},{"text":"Right?","start":262.34,"end":262.84,"sentiment":"neutral","sentiment_score":0.025436650961637497},{"text":"Yeah.","start":268.42502,"end":268.92502,"sentiment":"neutral","sentiment_score":0.1596459150314331},{"text":"Yes.","start":280.12,"end":280.62,"sentiment":"neutral","sentiment_score":0.13301603496074677},{"text":"Yeah.","start":293.73502,"end":294.23502,"sentiment":"neutral","sentiment_score":0.03683825582265854}],"sentiment":"neutral","sentiment_score":0.04681366734803305,"num_words":12,"start":260.1,"end":294.23502},{"sentences":[{"text":"Yeah.","start":305.16,"end":305.66,"sentiment":"neutral","sentiment_score":-0.01005357876420021},{"text":"Yeah.","start":327.41498,"end":327.91498,"sentiment":"neutral","sentiment_score":0.0827626883983612},{"text":"Yeah.","start":327.97498,"end":328.455,"sentiment":"neutral","sentiment_score":0.06066921353340149},{"text":"Of 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fine.","start":438.835,"end":439.655,"sentiment":"neutral","sentiment_score":0.12224730104207993},{"text":"Yeah.","start":450.47,"end":450.97,"sentiment":"neutral","sentiment_score":-0.19402426481246948},{"text":"Kinda it's sad to be underwritten.","start":451.11002,"end":454.41,"sentiment":"negative","sentiment_score":-0.3651965707540512},{"text":"Right?","start":454.71002,"end":455.19,"sentiment":"neutral","sentiment_score":-0.14239981770515442}],"sentiment":"neutral","sentiment_score":-0.2039711529558355,"num_words":11,"start":438.675,"end":455.19},{"sentences":[{"text":"Like but, you know, it's it's fair enough or whatever.","start":455.19,"end":458.47,"sentiment":"neutral","sentiment_score":-0.03819572627544403},{"text":"You 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bye.","start":3222.925,"end":3223.585,"sentiment":"neutral","sentiment_score":0.1416868418455124}],"sentiment":"neutral","sentiment_score":0.32120500653982165,"num_words":10,"start":3217.485,"end":3223.585},{"sentences":[{"text":"Bye.","start":3224.685,"end":3225.185,"sentiment":"neutral","sentiment_score":0.07373592257499695}],"sentiment":"neutral","sentiment_score":0.07373592257499695,"num_words":1,"start":3224.685,"end":3225.185}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Tyler speaking.\n\nChannel 0: Hi, Tyler. This is Dana from Achieve Financial. How are you this afternoon?\n\nChannel 1: Hey. Good day, and how are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in to go through your annual review this afternoon. Is now still a good time there for you?\n\nChannel 1: Oh, sorry. I was in the middle. I'm just waiting on work. Sorry. What was that?\n\nChannel 0: That's that's okay. I had you pulled in to go through your annual review. Is now a good time\n\nChannel 1: Yeah.\n\nChannel 0: there for you?\n\nChannel 1: Yeah. Of\n\nChannel 0: Yeah?\n\nChannel 1: course it is. Yeah. Just jumping\n\nChannel 0: All\n\nChannel 1: in the\n\nChannel 0: good.\n\nChannel 1: car, but yeah.\n\nChannel 0: Not a problem at all. Just while you're sort of getting yourself sorted there, I will let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Of course.\n\nChannel 0: Yeah. Beautiful. And just as a security day with you as well, I wanna make sure we are very security conscious here. So I'll just get you to confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Hello. Steven Follett,\n\nChannel 0: Yep.\n\nChannel 1: the twentieth\n\nChannel 0: Yep.\n\nChannel 1: of The 3rd 1993 And 18 Slash 24 Cannington Place, Holmesdale.\n\nChannel 0: Fantastic. Thank you so much for that. And how's your day been?\n\nChannel 1: Good. It's very hot.\n\nChannel 0: I bet it is. Look, I'm pretty lucky. I work in an air conditioned office, but I bet when I walk outside this afternoon, it's gonna hit me. So\n\nChannel 1: Same way. It's just hitting your thing. So it's\n\nChannel 0: I\n\nChannel 1: definitely hot.\n\nChannel 0: I bet. I bet. So I'm really actually actually quite excited to get to know you. No. We haven't spoken before, but I do work very closely\n\nChannel 1: Oh,\n\nChannel 0: with Maddie there. She did let\n\nChannel 1: yes.\n\nChannel 0: me know just before the call that you wanted to sort of have a bit of a chat about the insurance. Is there anything else that you would sort of like me to touch base on with part of your annual review?\n\nChannel 1: Not really. Not really. Probably, yeah, the mostly the insurance may be so much for my son. I was thinking of\n\nChannel 0: Yeah.\n\nChannel 1: maybe increasing mine, but I'll probably I'll probably leave that for a bit and more look into trauma for him.\n\nChannel 0: Yep. Yep. That's okay. That's absolutely not a problem. So you did mention that you were looking at maybe increasing your current trauma policy, but you wanted to hold off on that now.\n\nIs that right? Is there any particular reason you're not wanting to maybe increase it? Or I'm\n\nChannel 1: Yeah. Probably just yeah. So I have another child, so every every dollar counts. So, you know, I've already got mine. I've had mine for a year, so nothing\n\nChannel 0: Yeah.\n\nChannel 1: I mean, the amount's the amount. So this is what\n\nChannel 0: Yeah.\n\nChannel 1: it is, so I don't really need to do anything as\n\nChannel 0: Yeah.\n\nChannel 1: far as I go. But, yeah, I wouldn't\n\nChannel 0: Yep.\n\nChannel 1: mind doing it for my son, my first\n\nChannel 0: Absolutely.\n\nChannel 1: son.\n\nChannel 0: Yeah. Absolutely. Well, congratulations on on having another baby. When are they when is it due?\n\nChannel 1: Two weeks.\n\nChannel 0: Wow. That's exciting. That'll be a big change from one to two.\n\nChannel 1: That's exactly right. Very big. Too big.\n\nChannel 0: Oh, no. That is very exciting for you. Congratulations. I hope you get some downtime to enjoy the new bub when they come.\n\nChannel 1: Hopefully,\n\nChannel 0: Yeah.\n\nChannel 1: I've been\n\nChannel 0: Absolutely. Oh, cool. We can absolutely look at child cover there for you. It's not a problem. Now having a look at the circumstances here, I've got down here that your current child, he is almost two.\n\nIs that right?\n\nChannel 1: Yeah. That's correct. Yeah.\n\nChannel 0: Yeah. Perfect. So in order to be able to get child cover, the child does need to be two. However, with there's nothing wrong with recommending it prior, and then we just go through the app the application when they turn two or when they're close to the age of two, which is not a problem at all.\n\nChannel 1: No.\n\nChannel 0: If you like, having a think about the sort of child cover you have now, the generally, it starts around 50,000. Is there an amount you would like to be covered for, or are you just sort of wanting to find something that's been in your budget?\n\nChannel 1: I'd probably go for the go for this I'd probably go for the 100 again,\n\nChannel 0: Yep.\n\nChannel 1: like\n\nChannel 0: Yep.\n\nChannel 1: mine.\n\nChannel 0: Perfect. Excellent. Not a problem at all. I'll have a look at one pass. But are you open to me going out there and having a look at other providers if there is a benefit to doing so, if it's gonna be maybe cheaper for you and provide a little bit of a, you know, not so hard on your budget?\n\nChannel 1: Yeah. Yeah. Of\n\nChannel 0: Yeah.\n\nChannel 1: course. Yeah. It doesn't really yeah. It doesn't really matter if it's\n\nChannel 0: Yeah.\n\nChannel 1: two different companies\n\nChannel 0: Yep.\n\nChannel 1: or what. So that's not a problem. I mean, it doesn't\n\nChannel 0: Oh,\n\nChannel 1: doesn't matter\n\nChannel 0: perfect.\n\nChannel 1: in hindsight. Right?\n\nChannel 0: No. Absolutely. You have us. If you have to claim, you come to us, and we do all the hard work for you. So it's not a problem\n\nChannel 1: Yeah.\n\nChannel 0: at all. Excellent. Not a problem at all. Well, I'll have a look at one path and see what it looks like, see if we can link it together and how we can make it cost effective, but I'll also look at other providers out there. Part of my job is\n\nChannel 1: Yes.\n\nChannel 0: looking at the cost of the product, but also making sure the product is important to you and that you can claim on it. So I do go back, and I have personally do have a look at all the PDFs. I have a look at what the trauma conditions are that can be covered and also\n\nChannel 1: Yeah.\n\nChannel 0: which providers may have additional covers or allow to, you know I'm sorry. Allow to claim on earlier conditions as well. Because the main ones\n\nChannel 1: Yeah.\n\nChannel 0: for a child trauma policy are and the biggest ones are definitely cancer, so child cancer, but they do also cover blindness, you know, losing a limb. It's all very much major conditions that can occur. So we wanna make sure because trauma is it's probably one of the least likely ones that you're gonna claim on. So we wanna make sure that it's in the event of a claim that you can claim for as many things as you possibly\n\nChannel 1: Yeah.\n\nChannel 0: can.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Of course. Yeah.\n\nChannel 0: Yep. Beautiful. And I'll look at a 100,000 there for you. It's not a problem at all. When I do look up, his child child trauma policies are great because the longer you hold the policy, admittedly, it does get more expensive over time as with all insurances.\n\nBut when your\n\nChannel 1: Yeah.\n\nChannel 0: child generally turns a certain age, some providers, it's 15, 16, some providers, it can be age 20. It actually converts into an adult life policy for the child. And because they've had it for such a long time, there's really no underwriting, and they often have no exclusions or loadings on those policies.\n\nChannel 1: True.\n\nChannel 0: So it can\n\nChannel 1: Yeah.\n\nChannel 0: provide that\n\nChannel 1: That's\n\nChannel 0: benefit for them as well. Yeah.\n\nChannel 1: that's exactly that's probably why I'm trying to because I've got I've got some underwriting, so that's why I'm kinda like the earlier I get him in\n\nChannel 0: Yep.\n\nChannel 1: because he's\n\nChannel 0: Yes.\n\nChannel 1: obviously unscathed,\n\nChannel 0: Yes.\n\nChannel 1: the probably overall, the better.\n\nChannel 0: Yeah. Absolutely. And I've got all the details here. So I can see here that on your policies at the moment, on your TPD, you do have a mental health exclusion, which basically notes here that you're unable to claim for mental health or for any illness or injury that is a result of the mental health. With a mental\n\nChannel 1: Yeah.\n\nChannel 0: health exclusion, just in case no one has kind of mentioned it to you, as long as you are without any medication or symptoms for around about five to six years, we can often have that reviewed. Some\n\nChannel 1: Okay.\n\nChannel 0: insurers do like do allow us to review it at around about three to four years as well. So,\n\nChannel 1: Alright.\n\nChannel 0: we will just keep up to date with you and see how things are going, and you can sort of let us know how comfortable you are with the information you're providing. And, you know, with mental health, it is it can be very hard to disclose the information. So\n\nChannel 1: Yeah.\n\nChannel 0: when you are comfortable to do so, you just let us know what's happening, and we can definitely look to review that for you. Okay?\n\nChannel 1: Yeah. Yeah. No. That's fine.\n\nChannel 0: Yep. Perfect. Look. I'm honestly very open with mine as well, Tyler. So I have insurance policies, and I also have a mental health exclusion on my policy as well.\n\nSo I've had depression in the past,\n\nChannel 1: Yeah.\n\nChannel 0: so it's one\n\nChannel 1: Kinda\n\nChannel 0: of those things. Yeah.\n\nChannel 1: it's sad to be underwritten. Right? Like but,\n\nChannel 0: It does.\n\nChannel 1: you know, it's it's fair enough\n\nChannel 0: It does.\n\nChannel 1: or whatever. You know?\n\nChannel 0: Yeah. No. Absolutely. So we'll definitely keep informed with you and see how things are going, and we'll definitely look to review that on the track, but a mental health exclusion is one of those ones that can be removed, which is really good to know.\n\nChannel 1: Yeah.\n\nChannel 0: And then I've also got here that we've got the right shoulder exclusion on the TPD and the income protection policy there again. So, again, just any illness or injury in relation to the right shoulder. If there is\n\nChannel 1: Yep.\n\nChannel 0: anything else so, generally, say, if you had a car accident or something had happened to you and you still had a an injury on the right shoulder, we would still try to claim against that because, obviously,\n\nChannel 1: Sure.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: it's not not caused by your previous illness or injury. But when the assessors gonna look at that, they're gonna look at whether is it linked or can it be linked in any way, shape, or form, or would say\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: somebody else have claimed for the same thing if they've had a car accident. So it doesn't stop us from trying to make the claim. It's just how the assessors will assess that for you if that helps. Okay?\n\nChannel 1: Yeah. Of course. Yeah. I gotcha.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Now while I do have you here, it's important as part of our review process that we do review your insurance levels as well. So at the moment, you've got your life and TPD and your income protection policy. They're paid out of super. Your current life insured, you've got and so TPD cover, you're covered for a million dollars even.\n\nWhen\n\nChannel 1: Yep.\n\nChannel 0: we look at because your balance in Super as of today sorry. I'm just also pulling this up.\n\nChannel 1: Yeah. That's\n\nChannel 0: My\n\nChannel 1: cool.\n\nChannel 0: computer's a little bit slow for the afternoon. Your balance your balance inside Super is about 82,335. So I do apologize.\n\nChannel 1: Yep.\n\nChannel 0: These conversations get a little bit more, but but in the event of passing with claiming on the last cover, the million dollars is paid out to your beneficiaries, but then also see your super balance there. So you get that $11,082,335 given your circumstances there. Is\n\nChannel 1: Yeah.\n\nChannel 0: that is that giving you enough cover? Is that sort of meeting your goal? Are you wanting to review that level at the moment? Do you feel pretty comfortable with that level of cover?\n\nChannel 1: No. That's that's basically more than a that's\n\nChannel 0: Yeah.\n\nChannel 1: more more how would you say it? That's more than enough. You know?\n\nChannel 0: Yep. Yep. Beautiful. And in the event of passing, I can see here that you do have your home and your mortgage owing at the moment. Are you sort of wanting\n\nChannel 1: Yeah.\n\nChannel 0: the the funds to be paid to your your partner so you can have the mortgage cleared and then provide additional income and support for your family? Is that\n\nChannel 1: Yeah. That's exactly right. Yeah. Which\n\nChannel 0: Yep.\n\nChannel 1: is easily achievable with a million.\n\nChannel 0: Yeah. Yeah. Perfect. Excellent. Now the next thing we have here is your TBD cover, and I can see with your TBD cover, again, you've got a million dollars in cover.\n\nNow one of the things\n\nChannel 1: Yep.\n\nChannel 0: I do like to be honest and open about is that TBD, if in the event of claiming, is a taxable payment. So, unfortunately, there is tax deducted out of that.\n\nChannel 1: Yep.\n\nChannel 0: With they see us coming in all areas, don't they? So with the TBD, if you were to claim on TBD again, your super is released because you can release super under the permanent incapacity. With\n\nChannel 1: Yeah.\n\nChannel 0: the tax on TBD, essentially, the tax would be on the full amount. So your TBD is released to your super, and then the full amount is taxed. It can be up to 22%. If in the event of you having to make a claim on TBD, we would do advise and help you to minimize the tax payable. But I like to kinda give you worst case scenario to make sure that we're open and honest with you.\n\nBut, essentially,\n\nChannel 1: Yeah.\n\nChannel 0: the tax on TBD payments can be up to 22%, and that's tax is always deducted out until you reach the age of 60. So it's any claim\n\nChannel 1: Yep.\n\nChannel 0: up until the age of 60. Given the level\n\nChannel 1: Yep.\n\nChannel 0: of cover you have at the moment for your super balance and your TBD, the estimated tax on that would be about $238,000. So you'd receive your benefit minus that $2.38. That would still realistically clear your mortgage and provide additional support to yourself and your family knowing that that can be reduced down the future, are you still comfortable with that level of PPD you have at the moment?\n\nChannel 1: Yeah. I mean, it is what it is. I mean, it's a\n\nChannel 0: Yeah.\n\nChannel 1: bit it's a bit weird how the HCI do that because then you can't.\n\nChannel 0: I know.\n\nChannel 1: I mean, it's\n\nChannel 0: Yeah.\n\nChannel 1: not like you're gonna lodge your tax return. I understand.\n\nChannel 0: Well, it all it\n\nChannel 1: Correct.\n\nChannel 0: all happens automatically. So when you kind of\n\nChannel 1: Yeah.\n\nChannel 0: when you get your TBD payout, the tax is sort of withheld from the Superfund and it kinda goes to the ATO that way. So then when you go to either your tax return, that payment is already sitting on your myGov account. They already know about it. So\n\nChannel 1: Yeah.\n\nChannel 0: it's it's not fun. I personally disagree with that. I do not think if your TBD,\n\nChannel 1: Yeah.\n\nChannel 0: you've gone yeah. Some sort of disability that stopped you from going back to work, you should not not be disadvantaged and taxed under that. But,\n\nChannel 1: No.\n\nChannel 0: yeah, it's what\n\nChannel 1: That's\n\nChannel 0: it is.\n\nChannel 1: that's the world we live in.\n\nChannel 0: That's that's exactly right. But now look. I just like to make sure I'm open and honest and that I'm providing you with the information that you need to make these informed decisions. In saying that, as I mentioned before, we've if you had a claim on TBD, we've helped you to the claim, and then we will also help you to provide advice to help mitigate or reduce the amount of tax as much as possible. Okay?\n\nChannel 1: Yep. Wrong.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Perfect. So we're happy with this to leave the life on TPD for the moment. If you ever have any questions about either of those covers or wanted to review any of those at any time, you are welcome to let me know, and I'll make time to go through it in more detail with you as well. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. Now with the income protection side of things here, I can see that you have a monthly benefit amount of 5,414. Again, if you were on an income protection claim, the monthly benefit is taxed the same as your current income is. Income protection\n\nChannel 1: Yeah.\n\nChannel 0: is taxable again. Your income I had noted here was sorry. Just running up the screen a bit. I had you on about 92,820. Have you had any kind of pay increases since we last caught up?\n\nChannel 1: I think yes. I think I'm $99.04 now.\n\nChannel 0: 99,000\n\nChannel 1: Yeah.\n\nChannel 0: 400? Okay. Perfect. So if I look at that now with income protection, you can be covered for up to 70% of your current income amount. So based on the change of your income, you are slightly underinsured there a little bit.\n\nWe would need to if you wanted to be covered for the 70%, be looking to increase that monthly benefit to 5,798. You are only just underinsured a little bit. So did you wanna look at maybe increasing that, or are you comfortable with the level\n\nChannel 1: Yeah.\n\nChannel 0: you have at the\n\nChannel 1: Yeah.\n\nChannel 0: moment?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No. I can I'm sure I can cut the losses. I'm on a good wicket at work, so\n\nChannel 0: Okay.\n\nChannel 1: it's good\n\nChannel 0: Perfect.\n\nChannel 1: for as long as it may.\n\nChannel 0: Beautiful. And do you have much in the way of long sir sorry. Long service leave or sick leave or any annual leave available to you as well?\n\nChannel 1: I've been yeah. Like, I've got a bit of probably four years worth of sick leave, to be honest. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I'm well well well off as far as those those those things go.\n\nChannel 0: Yep. Yep. Perfect. To fall back on. Beautiful.\n\nExcellent. So\n\nChannel 1: Yeah.\n\nChannel 0: with the income protection policy here, you just have a thirty day waiting period. That essentially means you just have to be off work for thirty days prior to making a claim. What we'd\n\nChannel 1: Yeah.\n\nChannel 0: sorta ask is as soon as something happens to you that requires you to be off work, let us know because then we can let the insurer know that the thirty days has started. So once that thirty\n\nChannel 1: Yep.\n\nChannel 0: days is almost completed, we can send the claim information off. And that way, it\n\nChannel 1: Yeah.\n\nChannel 0: kinda helps to get the claim moving a bit faster for you. Okay?\n\nChannel 1: Gotcha. Okay.\n\nChannel 0: And you've got this six year benefit period, so you can be on a claim for up to six years at that six year mark if you still can't go back to work. The claim does essentially stop the income protection, but at that point, we'd be looking to try and claim on CBD or looking at what else we can do to help you out\n\nChannel 1: Yes.\n\nChannel 0: there. Okay. Yeah.\n\nChannel 1: There. Yep.\n\nChannel 0: Yeah. Beautiful. Do you have any questions around any of those insurances, anything that we've kinda gone through so far, or is everything all good with those?\n\nChannel 1: No. That's a\n\nChannel 0: Yep.\n\nChannel 1: yeah. No. That's all\n\nChannel 0: Yep.\n\nChannel 1: straightforward. That's good.\n\nChannel 0: Perfect. Perfect. Now you've also got your out of pocket trauma, which is the 100,000. You have made mention you're happy with that level, not wanting to look at that now. But if you do in the future, let me know.\n\nI'm more than happy to sort of re revisit that for you. Okay? Excellent. And you do have a bit of life cover linked to the trauma, which is a great way of structuring it for two reasons. It gives you that multi policy discounts that can make the trauma policy slightly cheaper for you, which is good.\n\nBut it also\n\nChannel 1: Yep.\n\nChannel 0: means in the event of passing, with policies of life cover held outside of Super, you get access to a funeral benefit, which you don't actually get access to for policies held inside Super. So it means that if in the event\n\nChannel 1: Okay.\n\nChannel 0: you would have passed away, your family can access that funeral benefit. And with one pass, they can actually get access to it's up to $25,000, and all they need to do is provide your the death certificate, and that money\n\nChannel 1: Yep.\n\nChannel 0: is paid upfront for them to help cover the cost of your funeral. So that's a really great benefit that comes with that life policy as well.\n\nChannel 1: I guess that's almost I guess that's an upgrade from Pinewood to Hardwood then.\n\nChannel 0: Absolutely. You could go a bit more fancy. You could have a\n\nChannel 1: I think\n\nChannel 0: singer.\n\nChannel 1: maybe golf. Yeah. Fucking.\n\nChannel 0: You you can do whatever you want. You can make sure that money is\n\nChannel 1: Yeah. Fuck.\n\nChannel 0: that 25,000 is fully used for your funeral and have all the bells and whistles.\n\nChannel 1: I don't know. Yeah. I should I should maybe ride a wheel then. Right?\n\nChannel 0: Absolutely. And that kinda comes into the next side of the conversation. There is the\n\nChannel 1: Yeah.\n\nChannel 0: estate planning side. So have you guys drawn up a will, or have you seen a solicitor to draw a will? I know it said last year that was on the to do list.\n\nChannel 1: Yeah. Definitely. No. We no. We haven't.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah. No. No. We haven't, but we we\n\nChannel 0: Yep.\n\nChannel 1: definitely plan on doing it now. Definitely\n\nChannel 0: Yep.\n\nChannel 1: now.\n\nChannel 0: Yep. No. That's okay. Perfect. It is definitely one of those things to look at.\n\nI can see you've got your beneficiary nomination set up on your and your life cover, which is great. That essentially means that in the event of passing, a 100% of the benefits are paid to Rhiannon, to your spouse, which is great. That means she can cover the mortgage and take a bit of time, downtime to look after the kids and, you know, provide additional support to family there, which is a benefit. But there's\n\nChannel 1: Yeah.\n\nChannel 0: also all those other assets outside of Super to any savings and things like that. And it will not only use to see yourself, but it's also for your partner as well. So making\n\nChannel 1: Yeah.\n\nChannel 0: sure that in the event that something happens to both of you, that you have a guardian chosen, someone that you can trust to look after your kids in the event of something happening to both of you. It also incorporates a power of attorney to making sure that if you're incapacitated and are unable to make decisions, that you have appointed an attorney who can act on your behalf and that it stipulates what you want them to do or how they how you want them to act in the event that you're unable to make decisions for yourself. And an enduring\n\nChannel 1: Correct.\n\nChannel 0: power of\n\nChannel 1: Yep.\n\nChannel 0: attorney is the best one to have. It generally gives them, you know, a whole overlay for medical and financial power of attorney. So those are definitely worth doing. I always think having a will drawn up is more an investment in yourself and your family, making sure to protect those, you know, those that you love the most.\n\nChannel 1: Yeah.\n\nChannel 0: So,\n\nChannel 1: Yeah. Of course. Yeah. Yeah.\n\nChannel 0: yeah. Perfect. Did you want us to email through some details and maybe a bit of a costing of a solicitor that we can refer you to? There's no obligation to use, and it can just be\n\nChannel 1: Yeah.\n\nChannel 0: a bit\n\nChannel 1: I mean\n\nChannel 0: of a talking\n\nChannel 1: yeah.\n\nChannel 0: point for you. Yeah?\n\nChannel 1: Yeah. That's exactly right. Yeah. Might kick\n\nChannel 0: Yep.\n\nChannel 1: me in the bum and being the last two actually get one growing up.\n\nChannel 0: That's okay. It's never an easy conversation to have, but it is definitely one that's really important. And sometimes it can be really rewarding to to have that conversation. I know with my husband sorry. With my husband, he is not from here.\n\nHe's actually from Yonge in in sort of well, Midwestern New South Wales. And\n\nChannel 1: Yeah.\n\nChannel 0: his family always thought he would wanna be sent down there after passing, but we've kind of had that conversation and talked and have asked him what he wants. And it kind of brought home and made him think about what he actually wants to happen, you know, if and when\n\nChannel 1: Yeah.\n\nChannel 0: he was to pass away. So it can be kind of a good conversation to have and allows you to think about what what you want, what is important to you, and what you want to happen. So yeah.\n\nChannel 1: Yeah. Yeah. Well,\n\nChannel 0: Yeah.\n\nChannel 1: hold on. I mean, once you have kids, it's I guess it becomes I guess the kids are the kids are the one thing anyway. You know? So\n\nChannel 0: Absolutely. The most important thing in the world.\n\nChannel 1: Oh, that's it.\n\nChannel 0: Isn't it amazing becoming a parent? You you think you can never love anyone like the person you've just created, and they do all sorts of crazy things to make you laugh, cry, can be the most stressful job in the world,\n\nChannel 1: Yeah.\n\nChannel 0: but\n\nChannel 1: That's\n\nChannel 0: it is\n\nChannel 1: great\n\nChannel 0: the most rewarding at the same time.\n\nChannel 1: for us.\n\nChannel 0: Yeah.\n\nChannel 1: But I yeah. As long as they yeah. We've we've we've done well for our our our time. So, I mean, that'll be, yeah, that'll be definitely something at the end.\n\nChannel 0: Yeah. Absolutely. No. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: That'll be fantastic. And the couple more weeks, and you'll have another one, and that'll be amazing. I'm sure your little\n\nChannel 1: Yeah.\n\nChannel 0: boy is gonna be a\n\nChannel 1: I'm\n\nChannel 0: great\n\nChannel 1: sure I will. And then they have to get the\n\nChannel 0: big\n\nChannel 1: fifty fifty, and now it's not just one\n\nChannel 0: brother.\n\nChannel 1: child. It's two.\n\nChannel 0: That's it. Yep. Sharing that love around.\n\nChannel 1: Exactly right.\n\nChannel 0: Beautiful. No. That'll be amazing. Well, for the time being, I'll have a look at the the one child trauma policy for you for the sum of a 100\n\nChannel 1: Yeah.\n\nChannel 0: thousand dollars there. Just so I have the details to make sure it is correct, can I grab your son's\n\nChannel 1: Yep.\n\nChannel 0: date\n\nChannel 1: It's twenty ninth for\n\nChannel 0: of\n\nChannel 1: the second twenty\n\nChannel 0: birth?\n\nChannel 1: '24.\n\nChannel 0: Yep. Perfect. Excellent. Excellent. And I'm just checking what else I have on here.\n\nI don't actually have his name. I'm so sorry. What is his\n\nChannel 1: No. That's\n\nChannel 0: name\n\nChannel 1: okay.\n\nChannel 0: as well?\n\nChannel 1: So Gary Gary William Follett?\n\nChannel 0: Wow. Beautiful.\n\nChannel 1: Oh, sorry. Sorry. No. No. Sorry.\n\nI got that wrong. I'm thinking of my new sons. It's Oscar William Follett.\n\nChannel 0: Oscar William Follett. And it's o\n\nChannel 1: Yeah.\n\nChannel 0: s c a r. Is that spelled correctly?\n\nChannel 1: Yeah. That's correct.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Beautiful. And, look, the new name for your beautiful new son is beautiful. I will keep that a secret if it's not meant to be out there. Don't worry.\n\nChannel 1: Yeah. It's it's alright. It's only new ones. It's it's in the talking terms now, so I'm getting mixed up.\n\nChannel 0: Oh, that's okay. Wait till they come. I get my three kids mixed up all the time.\n\nChannel 1: Yeah. Yeah. Well, when you ask what's their full name, it kinda took me a bit of a second ago. Fuck. What is his middle name again?\n\nCan't remember. You don't have to use it in you know? You don't have\n\nChannel 0: Yeah.\n\nChannel 1: to use it much.\n\nChannel 0: Yeah. No. Understandable. Oh, there's so many more fun times like that to come, but that's beautiful. I love that name.\n\nIt is fantastic.\n\nChannel 1: Thank you.\n\nChannel 0: All good. The next thing is to give you a bit of an update. So part of the review is just sort of letting you know what's happening with your Superdesk. So as I kinda mentioned before, your balance is up. You're up too sorry.\n\nBalance is gone again on me. It's 82,335. I did have a look back. So when you came what originally, a bit over twelve months ago now, your balance that we rolled in was about 73,600 and\n\nChannel 1: Yeah.\n\nChannel 0: 86. So you have seen a bit of growth there, which is good. Contributions\n\nChannel 1: Yeah.\n\nChannel 0: are still going in, which is also sorta helping with that. When I look at your portfolio as a whole, I've gone through and done a little bit of digging to see exactly what's been going on with it as well because, admittedly, the growth is a little bit slower for the first year than what we would normally\n\nChannel 1: Yeah.\n\nChannel 0: like. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: When we have a look at the individual investments as a whole, we've got you know, you've got some well, we've got some S and P 500, which is doing quite well. From inception, it's up about 5.14%. This is sort of just over the full year. You've got your Global Healthcare again. It's up by 0.26, so a bit low for where I wanna see it.\n\nYour physical\n\nChannel 1: Yeah.\n\nChannel 0: gold is doing very well. It's up over 56.93, and then you've got your\n\nChannel 1: Yep.\n\nChannel 0: Australian shares component, which is the Raffy. And that one there is up over 17.83%. So they are doing really well. I would like to see your S and P 500 slightly higher, and your\n\nChannel 1: Yep.\n\nChannel 0: Global\n\nChannel 1: Yep.\n\nChannel 0: Healthcare is a lot lower for where we'd sort of expect\n\nChannel 1: Yep.\n\nChannel 0: that. You've also got some, JPMorgan in there, which is giving you a bit of active management, and that's a globalized sort of investment. So they don't have any particular thematic or theme with their investing in. It's just whatever is coming up and and out there and trying to, you know, get the best returns they possibly can within that fund.\n\nChannel 1: Yes.\n\nChannel 0: That is up over 7.59% since coming on board. So that, again, is quite good. That is up. That's sort of where we'd like to expect to see your portfolio as a whole when you're in the sort of growth to high growth area that you that you are.\n\nChannel 1: Yep.\n\nChannel 0: I'm just double checking. Yeah. So you're at a high growth portfolio. So that generally encompasses anywhere between sort of nine to 11% returns on an average basis.\n\nChannel 1: Yep.\n\nChannel 0: For a whole, up until about November, your portfolio was almost a 5% of a return. As of\n\nChannel 1: Yeah.\n\nChannel 0: November, your other investments been along I don't know if anyone's have made mention or if you've seen in the news, but you have the Benelon Australian equities in there that was recommended. Benelon, over the last few years, has seen great returns. They have been a great Australian shares fund, and they invested in Australian equities, and they have performed quite well. Unfortunately,\n\nChannel 1: Yep.\n\nChannel 0: as of kind of November, one of their underlying investments, Corporate Traveler, they had a trading halt. They had to be reevaluated. They were dishonest and not reporting correctly to their investors. So it meant that Bennelong had to had to revalue that portion of their investment, and it's meant that\n\nChannel 1: Yeah.\n\nChannel 0: analysts have gone back and reevaluated Bennelong as a whole. So that portion of your investment portfolio is down by 20.48% for the year since coming on board. And I'm giving you inception figures because I want you to sort of see how it is for the first year since you came on board, not just sort of looking at different time frames.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So I'm actually having a look at that. I'm not happy with how Benelon has been performing. I would like to, as part of this advice, if you're comfortable for me to do, go back. Let's get rid of Benelon. We'll find something else to put in its place that has been performing better.\n\nBecause everyone's had to go back, analysts are reevaluating that. It's just not holding up as an investment. And sitting there from November to now, it has seen a small increase, but it's not calling back the way it's supposed to be. And Benelon are not able to get out of corporate Traveler. They have to kind of hold that investment because there was a trading halt there.\n\nSo until\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: Yeah.\n\nChannel 0: can kind of get out and work out what they're gonna do, it would be best to remove you from that. Admittedly,\n\nChannel 1: Yeah.\n\nChannel 0: it will be down. It does mean we are gonna be cementing some of the drops there, but it should definitely also offset any other capital gains that we might have. So I would just\n\nChannel 1: Yeah.\n\nChannel 0: like to go back, remove that. Let's cut our losses with that investment and put something else in its place that's gonna, you know, help you and provide better returns.\n\nChannel 1: Yeah.\n\nChannel 0: Does\n\nChannel 1: Of course.\n\nChannel 0: that\n\nChannel 1: That's,\n\nChannel 0: sound\n\nChannel 1: like, that's\n\nChannel 0: okay?\n\nChannel 1: the\n\nChannel 0: Yep.\n\nChannel 1: game\n\nChannel 0: Absolutely.\n\nChannel 1: we play.\n\nChannel 0: Absolutely.\n\nChannel 1: Right?\n\nChannel 0: Well, we\n\nChannel 1: Can't win\n\nChannel 0: definitely\n\nChannel 1: them\n\nChannel 0: try.\n\nChannel 1: all?\n\nChannel 0: And, look, over the last sort of five to ten years, that alone's done great. But this last one that's happened last year has kind of shown everyone, and it's it's just not holding up anymore. So\n\nChannel 1: Yes. It's\n\nChannel 0: that investment\n\nChannel 1: okay.\n\nChannel 0: firm has a bit of work to do. Yeah.\n\nChannel 1: Yeah. Yeah. That's alright. Vienna\n\nChannel 0: Excellent.\n\nChannel 1: o four.\n\nChannel 0: Yeah. Perfect. So with that, do you log in to your super very much and have a bit of a look at your portfolio? Do you like sort of seeing where the money's invested? Or\n\nChannel 1: To be honest, not as much, especially in the first\n\nChannel 0: yeah.\n\nChannel 1: year with how how everything is going. I'd I'd\n\nChannel 0: Mhmm.\n\nChannel 1: rather just not look at not look at it because I can't\n\nChannel 0: Yep.\n\nChannel 1: I mean, I've just rolled into the year. So it's not me it's not worth me going, oh, what you know, complaining about\n\nChannel 0: Yeah.\n\nChannel 1: complaining about it. Because at the end of the day, it's I get paid\n\nChannel 0: Yeah.\n\nChannel 1: super, you know, from work. So it's not\n\nChannel 0: Yeah.\n\nChannel 1: like I'm losing what I'm, you know, what I'm depending on right as of this stage of my life. It's like,\n\nChannel 0: Yeah.\n\nChannel 1: oh, well, you you win some, you lose some. There's more going in. It\n\nChannel 0: Yeah.\n\nChannel 1: kinda doesn't you know, it's not not\n\nChannel 0: Yeah.\n\nChannel 1: much of a, yeah, not much of a thinking point for me at this point.\n\nChannel 0: Yep. No. That's okay. That's not a problem at\n\nChannel 1: Yeah.\n\nChannel 0: all. Not an issue at all. And the main sort of reason I ask is that we have definitely different ways of investing styles, and the way your investments are structured at the moment encompasses kind of a core and satellite approach where you have just a couple of investments holding core. They're like the S and P 500 that did encompass Bandalong as well. And these are investors that have been around for a long time, but then we have the satellites, which are branching out, taking a little bit more risk in order to get greater potential returns there.\n\nWith your portfolio at the moment, you also encompass the active management style, which is what Fan Along was supposed to provide, and it also has that JPMorgan in there as well. And those are\n\nChannel 1: Yeah.\n\nChannel 0: giving you a bit of active management. Those sorts of investment managers are trying to pick and choose investments that they want in their portfolio to outperform\n\nChannel 1: Yep.\n\nChannel 0: the market. And when we're younger, we can access that, and it's good to have a bit of active management. Active managers don't always outperform the market, and we understand that. However, having some of that when we're younger does take on a little bit more risk, and we can get greater potential returns by having that in our portfolio. Because you\n\nChannel 1: Yeah.\n\nChannel 0: are still quite young, you do have a lot of time ahead of you. Do you wanna keep that active management approach in your portfolio, or did you want me to look at something a little bit lower risk, more passive that might be lower cost for you?\n\nChannel 1: I mean, yeah, that's probably an idea because I know I know this year was high risk. Right?\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: And it's and, I mean, it's done well in saying that. But, yeah, I mean, if you if you can suggest or advise something a bit more stable in a way, then, you know, let's\n\nChannel 0: Yeah.\n\nChannel 1: probably look at that that avenue. Because that's what I mean. At the end of the day, going with Oakview Financial, it's it's not a a year and make and break and you end up leaving and that's like that. So I I do\n\nChannel 0: Yeah.\n\nChannel 1: wanna try different methods. And at\n\nChannel 0: Yeah.\n\nChannel 1: the end of the day, over the next couple years and figure out, you know, maybe I can I can branch out on a higher risk score? You you know what I mean? That's kinda you gotta try different things or\n\nChannel 0: Yeah.\n\nChannel 1: you\n\nChannel 0: Absolutely.\n\nChannel 1: know what's\n\nChannel 0: Yeah. Yeah. Absolutely. Well, what we can also look at if you would like me to do so, and I'll do the research between all the different options options to work out what's gonna provide greater benefit to you.\n\nChannel 1: manageable.\n\nChannel 0: But we do\n\nChannel 1: Yep.\n\nChannel 0: also have an SMA that's recently being built there. Now an SMA is a separately managed account, so very much similar to one of the investments in there. It's being built\n\nChannel 1: Yeah.\n\nChannel 0: by Oakview Financial's investment committee along with the utilization of BlackRock and Blackhawk are one of Australia's of the world's largest investing firms. And\n\nChannel 1: Yep.\n\nChannel 0: OC Financial's investment committee along with the BlackRock investment committee have built this SMA. This is more of a passively managed fund, and within the SMA, BlackRock has put all the investments through their computer, and they work at the risk level. It's about diversification, how to reduce the level of risk. But the benefit of having an SMA and the reason I kind of wanted to find out whether you look at your super very often is that when you if we were to look at this SMA product, within your super, you essentially see your funds and you see the OPU SMA, and it would have the name of the SMA, whether it be Bloom, Catalyst, or one of the other ones because we have four, and they're all different names. Inside of that is where your funds are invested.\n\nAnd in the underlying, anywhere between 20 to 50 different investments depending on what's occurring, but all you sort of see in your super fund is the SMA product. We can download reports that show you a lot more detail around where the funds are invested and provide, you know, change reports every couple of months to show you what's being changed, but it just doesn't give\n\nChannel 1: Yeah.\n\nChannel 0: you as much visibility on your super account as to where the funds are invested. The benefit to having an SMA product like this is that whilst it is more passively managed, it can definitely be lower risk, which is great, and utilizing BlackRock's\n\nChannel 1: Yeah.\n\nChannel 0: investment committee helps us to reduce the risk diversification. But having an estimate means that when, say, Benelon isn't performing as well, instead of us having to wait to review or being able to talk to you to make that change, our investment committee can actually go in there and take that investment out without having to make call to you. They just go, hey. This isn't working. We need to move it.\n\nLet's move that investment, put something else in its place quickly, and they can do that\n\nChannel 1: Yep.\n\nChannel 0: with an estimate. So while there's less visibility having that sort of a product, it does give us a lot more control around maneuvering investments when they're not performing correctly, when the market might need be you know, might have something occurring in it. If, say, COVID event came back again and we needed to maybe move some more money in defensive investments, it would allow us to do that and make that change quickly. But it's not\n\nChannel 1: Yeah.\n\nChannel 0: for everyone, and I do have other clients who like to look at their account, wanna see more visibility around their investments, so they're not going into that product for that reason. So I just wanted to find out more about what's your comfort level, where that fits for you, and what you would like to see out of your super and your investments there. Does that make sense?\n\nChannel 1: Yeah. Yeah. Of course. And\n\nChannel 0: Yeah.\n\nChannel 1: it's it's obviously not a new it's not a new generated thing. Like, we're talking it's it's been I guess, it's it's a good word for it. It's it's established. It's not a start up or a new new thing that's occurred in the last year or something.\n\nChannel 0: So the estimate itself is it has been only made up in the past couple of months, but it was about a year in\n\nChannel 1: Okay.\n\nChannel 0: the making. However, the underlying investments where your money is invested is not. These are all all the investments within that portfolio, within that SMA, have been around for a long period of time. We have a track record. We know what they've done.\n\nWe know who the investment managers are. It's gone through risk assessment as well. So while the estimate\n\nChannel 1: Yeah.\n\nChannel 0: itself\n\nChannel 1: Yeah.\n\nChannel 0: hasn't been around for a long time, the underlying investments have. And your money's invested in the estimate, but where the funds are really invested is always underlying investments. Does that make sense?\n\nChannel 1: Yeah. Right.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Of course. Because the only reason, I mean, you gotta when it when it comes to this, I guess it's the skeptical question of start up can start up quick or it can, you know, it can still be finding its feet.\n\nChannel 0: Yeah.\n\nChannel 1: So I just don't wanna\n\nChannel 0: Correct.\n\nChannel 1: I mean, I'd probably, yeah, I'd probably be inter interested in it if it's performing so far to\n\nChannel 0: Yeah.\n\nChannel 1: its day. But if it's if it's still very fluctuating and stuff of that nature, and that's all because it's kinda, I I don't know, a a new thing or say just a a new thing, then I'd rather, you know, kinda see risk in it then, if that if that makes sense.\n\nChannel 0: Yeah. Yeah. That's that's absolutely okay. That's completely fine. The what the way I'm sort of thinking about things with the conversation we are having is that I'm probably not gonna move you into that SMA product.\n\nI'd probably more inclined to maybe just remove the banner long and replace that with something else, but keep the\n\nChannel 1: Yeah.\n\nChannel 0: crux of your investments the way they are\n\nChannel 1: Yeah.\n\nChannel 0: just for another year or two just while you're sort of getting your feeling your state and we're getting the investments working harder. And then we can always look to ultra or change those down the tracks. It keeps that high growth portfolio. It keeps everything else working in place, and we just take out\n\nChannel 1: Yes.\n\nChannel 0: the underperforming investment, replace it with something else now. Does that feel more your comfort level?\n\nChannel 1: Yeah. That's probably yeah.\n\nChannel 0: Yep.\n\nChannel 1: I I definitely agree. Yeah.\n\nChannel 0: Yep. Yeah. Perfect. Excellent. Beautiful.\n\nSo I'll do that research there for you along with the research around the child trauma policy. Just to let you\n\nChannel 1: Yep.\n\nChannel 0: know, Tyler, it does take me a couple of weeks to do this. I do have a lot of advice at the moment, so it will take me a few weeks to put everything together. But I will prioritize it for you and have it back as soon as I can. Once my team have everything together, we'll put the advice documents together, and I'll book you back in to go through it so you can see everything nice and clear. Is that okay?\n\nChannel 1: Easy, peasy.\n\nChannel 0: Yep.\n\nChannel 1: That's where I had a couple of weeks. There's a couple of weeks that I plan\n\nChannel 0: Oh,\n\nChannel 1: on\n\nChannel 0: beautiful.\n\nChannel 1: going anyway?\n\nChannel 0: Beautiful. Thank you so much for that. I'll make sure I prioritize it to get it done as quickly as I can for you, but I just like to make sure everyone's sort of aware. It does take just a cup a little bit of time to put everything together and do the research because we are researching all the different options out there to make sure that everything is in line and that the advice is appropriate to you. Okay?\n\nChannel 1: Yeah. Of course. Easy.\n\nChannel 0: Yep. Beautiful. Now I did also just wanna run through a new profile questionnaire. Just making sure I don't see there's any been any changes to the high growth environment that you're in, but it's important just to kinda revisit that just to make sure that everything's aligned. Most\n\nChannel 1: Yep.\n\nChannel 0: of these questions, I can answer and have already popped a an answer in, but I'll ask you just the ones that we do need to sort of follow-up on. The first one here is, have you ever held direct shares or investments in your own name before?\n\nChannel 1: Okay. No.\n\nChannel 0: No? That's okay. Beautiful. Excellent. The next one here is looking at inflation.\n\nSo it's basically saying when you look at your super portfolio, how much risk are you comfortable taking to try and get greater returns that outpace inflation? Do you think you'd be trying to take on the highest level of risk to get the best returns you can, maybe a a moderate amount of risk to get the best returns you can, or a low amount of risk to get no returns or lower returns?\n\nChannel 1: Mod yeah. Moderate.\n\nChannel 0: What\n\nChannel 1: In\n\nChannel 0: are\n\nChannel 1: the\n\nChannel 0: yep.\n\nChannel 1: middle.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: In the middle. Beautiful. The next one here is asking, if you sort of look at your super over the next six months and say due to external market factors, something happened and the portfolio fell by 20%. How might you be feeling? Do you think it's a buying opportunity?\n\nYou wanna put more money into the market? Are you more likely to hold and wait and call us, or are you feeling a bit concerned and wanting to put your money in something a bit less risky?\n\nChannel 1: No. I guess no answer, really. Like, I don't if it drops 20, it drops 20. I mean, it's as as I said before, you can't you're not gonna win all the time, but I guess\n\nChannel 0: Yep.\n\nChannel 1: sometimes you just gotta hold it down.\n\nChannel 0: Yeah. Excellent. And one of the good things about your age is that you have time on your side, and one of the things we are looking at when we invest you in certain portfolios is how much time you have before you wanna access those funds. So,\n\nChannel 1: Correct.\n\nChannel 0: say,\n\nChannel 1: Yeah.\n\nChannel 0: when we look back at COVID or even the GFC, because that was a bigger style event, anyone\n\nChannel 1: Yeah.\n\nChannel 0: who was in, like, a high risk, high growth portfolio just as a GFC hit would have seen extreme losses, a lot of drops\n\nChannel 1: Sure.\n\nChannel 0: in their portfolio.\n\nChannel 1: Yeah. Be.\n\nChannel 0: A lot\n\nChannel 1: That's\n\nChannel 0: of people\n\nChannel 1: it.\n\nChannel 0: were, yeah, a lot of people were actually retiring at that point. I've met a lot of retirees who had to submit those losses because they'd already committed to retiring or had just retired, and\n\nChannel 1: Yeah.\n\nChannel 0: they actually end up with less super. But the benefit\n\nChannel 1: Yeah.\n\nChannel 0: to yourself is that you still have a lot of time ahead of you. You can't\n\nChannel 1: Correct.\n\nChannel 0: access super to the age of 60. So if we saw a 20% drop drop in your portfolio over the next six months, Whilst you look at your portfolio, no one likes to see it go down. It's about remembering that you're not retiring this year or next year. You've got time. So if it takes a year or two to come back, that's okay.\n\nIt comes back. And\n\nChannel 1: Yeah.\n\nChannel 0: your super your contributions are going in. You're buying into that discounted time frame. So\n\nChannel 1: Yeah.\n\nChannel 0: it's about the way we look at it, but making sure that you have\n\nChannel 1: Yeah.\n\nChannel 0: that time. I mean, the biggest it's the biggest commodity you have time. It's the most important thing we have. We trade time for everything, especially money. So,\n\nChannel 1: That's it.\n\nChannel 0: you know, that's the most important thing we have to trade these days. So it's about making sure that you're not gonna retire in the next year or two. If, let's say, something happened and you were only two years out of retirement, I would not be wanting you in a high growth portfolio. We would have been scaling back a long time ago. That way, you're taking less risk in the market.\n\nDoes that make sense?\n\nChannel 1: Yeah. I mean, we'd all, yeah, we'd all love to retire\n\nChannel 0: Yeah.\n\nChannel 1: at 35, but in this\n\nChannel 0: Yeah.\n\nChannel 1: day and age, that's incredibly\n\nChannel 0: It's harder.\n\nChannel 1: hard.\n\nChannel 0: Absolutely. Keeping in mind, if you do win lotto tomorrow, give me a call and I'll help you.\n\nChannel 1: Yeah. I will do. You'll know about it. Don't worry. The super will get something.\n\nChannel 0: Absolutely. Absolutely. No. Perfect. And the last of the quite couple of questions here, have you ever thought about taking out a loan in order to invest in shares or manage funds?\n\nHave you ever considered borrowing to invest?\n\nChannel 1: Not at this point in my life. No.\n\nChannel 0: Yep. No. That's okay. Perfect. And you've only got your own home there.\n\nYou don't have any investment properties at all at the moment.\n\nChannel 1: That's that's the next investment.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: All good. Well, having a look at that one, you have scored there as a high growth investor. So a high growth investor does generally see that 90% of the super in growth investments, so things like cash oh, sorry. International Australian shares. I apologize.\n\nI was a bit tongue tied this afternoon.\n\nChannel 1: That's okay.\n\nChannel 0: It it growth investments are international shares, Australian shares, commodities like gold and silver, and then also looking at property, both Australian listed property there as well. You can also\n\nChannel 1: Yep.\n\nChannel 0: have other investments like credit funds and things like that, unlisted property and things, but we don't invest in those sort of things. We try to keep\n\nChannel 1: No.\n\nChannel 0: everything liquid so it can be withdrawn if it needed to quickly.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: And then with a high growth profile, you so you see 90% in those high growth investments, and you see about 10% generally in defensive investments of things like cash, bonds, and fixed interest. They are lower risk. They too tend to get a lower rate of return, but having a mix of your growth investments along with those defensive investments helps to spread your risk level over time. It also helps to take advantage of different market conditions as well. It's not always a rule of thumb, but, historically, when, say, equities aren't performing as well, we do tend to find defensive investments can sort of provide greater returns.\n\nSo it's about trying to take advantage of different market conditions essentially. Does that make sense?\n\nChannel 1: That does very much.\n\nChannel 0: Yep. Perfect. Sorry about that. I got a bit tongue tied.\n\nChannel 1: It's okay. Don't be sorry. It's alright. It was the same with when you asked me my son's first name.\n\nChannel 0: All good. I still see you've been in that high growth environment quite comfortably. You're fairly comfortable remaining in that sort of environment with your\n\nChannel 1: Yeah.\n\nChannel 0: super.\n\nChannel 1: Of course. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. The last thing to run through with you is just to kind of update any major circumstances and your asset changes. I've got here, you've had a change in income. You mentioned that was about 99,400.\n\nIs that right? Sorry?\n\nChannel 1: Correct. Yeah.\n\nChannel 0: Yep. Yep. Beautiful. Excellent. And then we've got down here, are you managing to put much away in the way of savings out of your income, or is everything kinda going towards your bills?\n\nChannel 1: Yeah. A little bit of savings on the side.\n\nChannel 0: Okay.\n\nChannel 1: But, yeah, as well as basically doing a heap of renos at home. So money's coming\n\nChannel 0: Yeah.\n\nChannel 1: in. Money's\n\nChannel 0: Nice.\n\nChannel 1: going out.\n\nChannel 0: Absolutely. What kind of rent out is he doing?\n\nChannel 1: This big shed, big slab, just all outside,\n\nChannel 0: Nice.\n\nChannel 1: bathrooms about to get done. So, I mean,\n\nChannel 0: Nice.\n\nChannel 1: it's a it's a good time to do it with a growing family, and, also, I mean, any money you put into a house you own is gonna return eventually.\n\nChannel 0: Absolutely. No. Fantastic. Do you have sort of a time frame on when you're hoping to have them completed, or you're just sort of going with the flow?\n\nChannel 1: Yeah. I mean, the bar I mean, everything's complete apart from the bathroom.\n\nChannel 0: Wow.\n\nChannel 1: It would have been great to have it done within the next two weeks, but\n\nChannel 0: Yeah.\n\nChannel 1: can't make that happen.\n\nChannel 0: No. Understandable.\n\nChannel 1: No. No.\n\nChannel 0: You've done well. Renovating's a lot. It's a very stressful endeavor. I'm trying to do my\n\nChannel 1: It\n\nChannel 0: backyard\n\nChannel 1: is.\n\nChannel 0: at the moment.\n\nChannel 1: Yeah. Don't worry. The last six months have been, yeah, a bit hectic.\n\nChannel 0: Yeah. I bet. I bet. I said to my husband, we'll see if we end up in divorce\n\nChannel 1: Yeah. Well, yeah, I don't think I'm far from that, but hopefully not.\n\nChannel 0: court by the end of this, runner. Nice. Well, hopefully, it's all done and looks fantastic for you soon so\n\nChannel 1: Of\n\nChannel 0: you\n\nChannel 1: course.\n\nChannel 0: can enjoy it. Yeah. All\n\nChannel 1: Of\n\nChannel 0: good.\n\nChannel 1: course.\n\nChannel 0: Looking at your other assets, I have your main primary residence to your home. We have an asset value noted currently of 580,000. A good way of looking at that is if you haven't had it valued is if you had to sell that property, what would you wanna get for it? What value is\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: reckon\n\nChannel 0: to you?\n\nChannel 1: nowadays is about 7 low sevens.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. And mortgage, we had owing about 250,000. Have you reduced that a little bit even with the interest rate rises?\n\nChannel 1: I've no.\n\nChannel 0: Mhmm.\n\nChannel 1: Kinda hard to say, but I've refinanced.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: So I owe I believe it's I think it's $3.00 5 now. It's gone\n\nChannel 0: Yep.\n\nChannel 1: up.\n\nChannel 0: Perfect. Refiners. And did you have it on variable, or did you get it put on fixed?\n\nChannel 1: No. Fixed. Yeah. Fixed.\n\nChannel 0: Yeah. Beautiful. And for how many years? Do you remember?\n\nChannel 1: I would have taken it again for on the fixed rate.\n\nChannel 0: Yeah.\n\nChannel 1: Three years fixed.\n\nChannel 0: Three years? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: And did you do it before the interest rate? Right.\n\nChannel 1: I I did. Yeah. I got in\n\nChannel 0: Nice.\n\nChannel 1: lucky, but I kinda, yeah, I kinda said three years to see if it'll\n\nChannel 0: Yeah.\n\nChannel 1: fluctuate again, and that way I'm not locked in on a on a high. You know?\n\nChannel 0: Yeah. No. Perfect. Excellent. And I've got down here your u so your car valued at about 35,000.\n\nWhat sort of value would you put on that at the moment,\n\nChannel 1: That\n\nChannel 0: do you\n\nChannel 1: that\n\nChannel 0: think?\n\nChannel 1: car is now gone.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Click\n\nChannel 1: So\n\nChannel 0: on.\n\nChannel 1: I just own another car probably, I don't know, $15 now.\n\nChannel 0: Okay. The I also had an SUV down. So you do you only have the SUV at the moment, or is that a secondary vehicle you've got?\n\nChannel 1: No. I do have I still have two cars. So I've still got\n\nChannel 0: Okay.\n\nChannel 1: the SUV,\n\nChannel 0: Yep.\n\nChannel 1: and The U it's gone, but I've now bought a different different car, probably a lower cost car.\n\nChannel 0: Yep. Okay. Perfect. What kind of car did you end up getting?\n\nChannel 1: CX five.\n\nChannel 0: Okay. Perfect. See,\n\nChannel 1: Yeah.\n\nChannel 0: our masters are good, aren't they?\n\nChannel 1: Oh, they're great, and it's very family like. Right? I had to downgrade. So oh, well,\n\nChannel 0: Absolutely.\n\nChannel 1: it's an upgrade and a downgrade at the Same time. It's a dad car.\n\nChannel 0: That's it. That's it. All good. And you would put about 15,000 on the CX five.\n\nChannel 1: Yeah.\n\nChannel 0: Is that right? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. No debt on that vehicle. It's owned outright, is it?\n\nChannel 1: I kinda yes. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: In a way, yes. It's owned outright.\n\nChannel 0: Yep. That's okay.\n\nChannel 1: It\n\nChannel 0: Not\n\nChannel 1: doesn't\n\nChannel 0: a problem.\n\nChannel 1: have a carry of its own loan or anything of such on the vehicle. No.\n\nChannel 0: That's right. Did you happen to utilize some of the mortgage to kind of help purchase that? Is that\n\nChannel 1: Correct.\n\nChannel 0: where you're\n\nChannel 1: Yeah.\n\nChannel 0: sort of going\n\nChannel 1: Correct.\n\nChannel 0: with that? Yeah. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Easy. Not a problem at all. And the SUV, I had a asset value of about 30,000. What sort of value would you put on that, do you think?\n\nChannel 1: I reckon it's probably down to maybe 26 now just with the,\n\nChannel 0: Yeah.\n\nChannel 1: you know, five years old, so it's depreciating.\n\nChannel 0: Yeah. Yeah. Perfect. And I had an a loan on that one of 8,000. Have you cleared that one out at all?\n\nOr\n\nChannel 1: Same scenario. Oh\n\nChannel 0: yep.\n\nChannel 1: oh,\n\nChannel 0: Perfect.\n\nChannel 1: within the probably the $3.00 5 now.\n\nChannel 0: It was all consolidated. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Not an issue at all. And with the SUV, what kind of vehicle is it? Just so I can distinguish it between the vehicles here for you.\n\nChannel 1: Mitsubishi Outlander.\n\nChannel 0: Beautiful. They are a great car. I do love\n\nChannel 1: Oh,\n\nChannel 0: a good\n\nChannel 1: they are\n\nChannel 0: Outlander.\n\nChannel 1: awesome. Five years in from new, and it's still just as good as it was when I first got it. Oh,\n\nChannel 0: Fantastic. And both have decent boot sizes, which what is what you want with two kids.\n\nChannel 1: plus. Yes. I know. With the extension on the pram and stuff, you gotta think of that.\n\nChannel 0: Absolutely. Absolutely. I still remember having to pack three bags just to go anywhere.\n\nChannel 1: Yeah. Yeah. That's why the math has become in a play. I was like,\n\nChannel 0: Yep.\n\nChannel 1: I can't get to sedan. I have to get, you know, you\n\nChannel 0: Yep.\n\nChannel 1: know, cut SUV type.\n\nChannel 0: Yeah. That's okay. You got the cars to make the memories now, and then later down the track, you can have the cool car again.\n\nChannel 1: Yeah. Well, bye boys later.\n\nChannel 0: Yeah. Absolutely. Absolutely. No. Perfect.\n\nWell, that's fantastic. Do you have any other goals that you're sort of hoping to achieve over the next sort of three to five years, or are you just focusing on super and family life?\n\nChannel 1: Yeah.\n\nChannel 0: Or\n\nChannel 1: No. No.\n\nChannel 0: Yeah.\n\nChannel 1: For sure. Probably in the next couple of I'll give it maybe two years. I I definitely\n\nChannel 0: Yep.\n\nChannel 1: looking into probably restructuring the house we have now and borrowing more money to buy another one from\n\nChannel 0: Yeah.\n\nChannel 1: that.\n\nChannel 0: Perfect.\n\nChannel 1: So yeah.\n\nChannel 0: Yep.\n\nChannel 1: So probably just an investment property, but we'll live in that one, and then the one we're in now will be the investment.\n\nChannel 0: Investment. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. That sounds fantastic. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: We're definitely here to help you with that down the track if you do need it. I do also provide advice around cash on budgeting. I can help we can, you know, help you or send you to a mortgage broker if you do need those services. That's all part of, you know, what we do. Mortgage\n\nChannel 1: Yes. Yep.\n\nChannel 0: broking services are all free for yourself, which is great, and trying to get you the best rate you possible can\n\nChannel 1: Ah,\n\nChannel 0: on your\n\nChannel 1: this\n\nChannel 0: loans.\n\nChannel 1: is here. Of course.\n\nChannel 0: But we are here to provide additional advice. We have full licensed advisers there. I will get Maddie to do up the annual review pack shortly for you and send it through. It will have all the information that we've kinda gone through with your certificate of currencies, your investment portfolio, showing you sort of what the returns look like on that and everything we've gone through. It'll\n\nChannel 1: Yep.\n\nChannel 0: also have your ongoing service agreement attached. So at the moment, you are on the ongoing service agreement rate of 1.1%. That just\n\nChannel 1: Yep.\n\nChannel 0: continues to the next twelve months. If you're happy to stay on that, that allows us to continue providing advice. Any advice we do provide is completely complimentary as part of that agreement. So there's no\n\nChannel 1: Yeah.\n\nChannel 0: when you came on board originally, you probably paid that up front implementation fee that\n\nChannel 1: I\n\nChannel 0: won't\n\nChannel 1: did.\n\nChannel 0: exist in\n\nChannel 1: Yeah.\n\nChannel 0: any other advice documents ever again,\n\nChannel 1: Yep.\n\nChannel 0: and you just pay that 1.1% ongoing. But that'll be on the on the email for you through Odoo. It's our\n\nChannel 1: Okay.\n\nChannel 0: new system for utilizing. So feel\n\nChannel 1: Yep.\n\nChannel 0: free to have a read through those documents. If you find you have any questions, please let me know.\n\nChannel 1: Yes.\n\nChannel 0: I\n\nChannel 1: Sweet.\n\nChannel 0: will also get Maddie to add in there the financial services guide, which runs you through everything about who we are, what we do, how we do it. It has all my licensing information as a full licensed adviser. I registered\n\nChannel 1: Yep.\n\nChannel 0: through ASIC, and my registration number is 1304394. You'll see my photo and all the information on me and my registration details in there so you can get a feel for who I am and get\n\nChannel 1: Sweet.\n\nChannel 0: to know me as the adviser. Okay?\n\nChannel 1: No worries.\n\nChannel 0: Easy. Do you have any questions for me? I know I ask you everything under the sun, but is there anything you wanted to ask me, or is there anything else you wanted me to touch base on? Or\n\nChannel 1: No. That's all pretty straightforward. I I I honestly thought before the call, it'll be pretty straightforward, which it was.\n\nChannel 0: Yeah.\n\nChannel 1: Same with sign\n\nChannel 0: Beautiful.\n\nChannel 1: up, so it's always easy.\n\nChannel 0: Beautiful. Well, I've just been notified that your annual review documents will be hand delivered to you. So I believe they're gonna\n\nChannel 1: Oh,\n\nChannel 0: be\n\nChannel 1: wow.\n\nChannel 0: special treatment.\n\nChannel 1: Yeah. No.\n\nChannel 0: So\n\nChannel 1: That's\n\nChannel 0: Maddie will\n\nChannel 1: awesome.\n\nChannel 0: get those organized and bring them around for you\n\nChannel 1: Cool.\n\nChannel 0: to sign and return back. Okay? If you find there's\n\nChannel 1: Alright.\n\nChannel 0: any questions or anything we've missed, let me know. Always happy to make time to chat to you. And I know you are\n\nChannel 1: Awesome.\n\nChannel 0: finished work for the afternoon, so, hopefully, you get to go home and put your feet up and rest for a bit.\n\nChannel 1: Yeah. You know, with kids and a wife, it doesn't work\n\nChannel 0: It's\n\nChannel 1: like that. I'm\n\nChannel 0: hot.\n\nChannel 1: at our care\n\nChannel 0: Oh,\n\nChannel 1: now.\n\nChannel 0: wow.\n\nChannel 1: So yeah. Yeah.\n\nChannel 0: A bit of flat\n\nChannel 1: We\n\nChannel 0: pack\n\nChannel 1: don't\n\nChannel 0: furniture\n\nChannel 1: stop.\n\nChannel 0: to pick up.\n\nChannel 1: Yeah. Yeah. We don't stop.\n\nChannel 0: Oh, beautiful. Thank you so much for your time today, Tyler. It's been a pleasure to get to know you. Can't\n\nChannel 1: You too.\n\nChannel 0: wait to do this advice for you and get to know you a bit further, and I'll let you go so you can enjoy your afternoon a bit more. Okay?\n\nChannel 1: Easy done. Thanks so much.\n\nChannel 0: My pleasure. Thanks for your time. See you later.\n\nChannel 1: Alright. See you. Bye bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.39999998,"end":0.9,"sentiment":"neutral","sentiment_score":0.037796854972839355},{"text":"Tyler speaking.","start":2.56,"end":3.46,"sentiment":"neutral","sentiment_score":0.03025843296200037}],"sentiment":"neutral","sentiment_score":0.0327712402989467,"channel":1,"num_words":3,"start":0.39999998,"end":3.46},{"sentences":[{"text":"Hi, Tyler.","start":4.0,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.14934038370847702},{"text":"This is Dana from Achieve Financial.","start":4.7999997,"end":6.48,"sentiment":"neutral","sentiment_score":0.19788661847511926},{"text":"How are you this afternoon?","start":6.48,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.22437393069267272}],"sentiment":"neutral","sentiment_score":0.20060539474854103,"channel":0,"num_words":13,"start":4.0,"end":7.7799997},{"sentences":[{"text":"Hey.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.24574249982833865},{"text":"Good day, and how are you?","start":8.48,"end":9.78,"sentiment":"positive","sentiment_score":0.372209573785464}],"sentiment":"positive","sentiment_score":0.3541428489344461,"channel":1,"num_words":7,"start":8.16,"end":9.78},{"sentences":[{"text":"I'm very well.","start":9.84,"end":10.639999,"sentiment":"positive","sentiment_score":0.5593506097793579},{"text":"Thank you.","start":10.639999,"end":10.96,"sentiment":"positive","sentiment_score":0.6844914555549622},{"text":"Thanks for asking.","start":10.96,"end":11.759999,"sentiment":"positive","sentiment_score":0.6328763167063395},{"text":"I had you booked in to go through your annual review this afternoon.","start":11.759999,"end":14.335,"sentiment":"neutral","sentiment_score":0.24775065940160018},{"text":"Is now still a good time there for you?","start":14.335,"end":16.275002,"sentiment":"neutral","sentiment_score":0.23847869038581848}],"sentiment":"positive","sentiment_score":0.34375768254200617,"channel":0,"num_words":30,"start":9.84,"end":16.275002},{"sentences":[{"text":"Oh, sorry.","start":18.615,"end":19.095001,"sentiment":"neutral","sentiment_score":-0.01710223313421011},{"text":"I was in the middle.","start":19.095001,"end":19.815,"sentiment":"neutral","sentiment_score":-0.06607014611363411},{"text":"I'm just waiting on work.","start":19.815,"end":20.775,"sentiment":"neutral","sentiment_score":-0.08692170679569244},{"text":"Sorry.","start":20.775,"end":21.095001,"sentiment":"neutral","sentiment_score":-0.06065803021192551},{"text":"What was that?","start":21.095001,"end":21.995,"sentiment":"neutral","sentiment_score":-0.03616277997692426}],"sentiment":"neutral","sentiment_score":-0.060519381309859455,"channel":1,"num_words":16,"start":18.615,"end":21.995},{"sentences":[{"text":"That's that's okay.","start":21.695,"end":22.655,"sentiment":"neutral","sentiment_score":0.12363762160142262},{"text":"I had you pulled in to go through your annual review.","start":22.655,"end":24.494999,"sentiment":"neutral","sentiment_score":0.17294336313551123},{"text":"Is now a good time","start":24.494999,"end":25.455,"sentiment":"neutral","sentiment_score":0.20944080352783204}],"sentiment":"neutral","sentiment_score":0.174762835628108,"channel":0,"num_words":19,"start":21.695,"end":25.455},{"sentences":[{"text":"Yeah.","start":25.415,"end":25.915,"sentiment":"neutral","sentiment_score":0.1304883062839508}],"sentiment":"neutral","sentiment_score":0.1304883062839508,"channel":1,"num_words":1,"start":25.415,"end":25.915},{"sentences":[{"text":"there for you?","start":25.455,"end":26.435001,"sentiment":"neutral","sentiment_score":0.07627986619869868}],"sentiment":"neutral","sentiment_score":0.07627986619869868,"channel":0,"num_words":3,"start":25.455,"end":26.435001},{"sentences":[{"text":"Yeah.","start":26.055,"end":26.375,"sentiment":"neutral","sentiment_score":0.03815486282110214},{"text":"Of","start":26.375,"end":26.535,"sentiment":"neutral","sentiment_score":0.030898679047822952}],"sentiment":"neutral","sentiment_score":0.03452677093446255,"channel":1,"num_words":2,"start":26.055,"end":26.535},{"sentences":[{"text":"Yeah?","start":26.494999,"end":26.994999,"sentiment":"neutral","sentiment_score":0.03398722782731056}],"sentiment":"neutral","sentiment_score":0.03398722782731056,"channel":0,"num_words":1,"start":26.494999,"end":26.994999},{"sentences":[{"text":"course it is.","start":26.535,"end":27.095001,"sentiment":"neutral","sentiment_score":0.055139195173978806},{"text":"Yeah.","start":27.095001,"end":27.335,"sentiment":"neutral","sentiment_score":0.049728117883205414},{"text":"Just jumping","start":27.335,"end":27.895,"sentiment":"neutral","sentiment_score":0.04994988441467285}],"sentiment":"neutral","sentiment_score":0.052507578705747925,"channel":1,"num_words":6,"start":26.535,"end":27.895},{"sentences":[{"text":"All","start":27.74,"end":28.06,"sentiment":"neutral","sentiment_score":0.032267820090055466}],"sentiment":"neutral","sentiment_score":0.032267820090055466,"channel":0,"num_words":1,"start":27.74,"end":28.06},{"sentences":[{"text":"in the","start":27.895,"end":28.215,"sentiment":"neutral","sentiment_score":0.07113508693873882}],"sentiment":"neutral","sentiment_score":0.07113508693873882,"channel":1,"num_words":2,"start":27.895,"end":28.215},{"sentences":[{"text":"good.","start":28.06,"end":28.56,"sentiment":"neutral","sentiment_score":0.09526734054088593}],"sentiment":"neutral","sentiment_score":0.09526734054088593,"channel":0,"num_words":1,"start":28.06,"end":28.56},{"sentences":[{"text":"car, but yeah.","start":28.215,"end":28.98,"sentiment":"neutral","sentiment_score":0.06104999780654907}],"sentiment":"neutral","sentiment_score":0.06104999780654907,"channel":1,"num_words":3,"start":28.215,"end":28.98},{"sentences":[{"text":"Not a problem at all.","start":29.58,"end":30.62,"sentiment":"neutral","sentiment_score":0.20304980278015136},{"text":"Just while you're sort of getting yourself sorted there, I will let you know, we do record our calls for quality and training purposes.","start":30.62,"end":36.14,"sentiment":"neutral","sentiment_score":0.12153593668093284},{"text":"Are you happy for me to proceed with that?","start":36.14,"end":38.16,"sentiment":"neutral","sentiment_score":0.2039930820465088}],"sentiment":"neutral","sentiment_score":0.1517907692805717,"channel":0,"num_words":38,"start":29.58,"end":38.16},{"sentences":[{"text":"Of course.","start":38.5,"end":39.16,"sentiment":"neutral","sentiment_score":0.13633155077695847}],"sentiment":"neutral","sentiment_score":0.13633155077695847,"channel":1,"num_words":2,"start":38.5,"end":39.16},{"sentences":[{"text":"Yeah.","start":39.435,"end":39.835,"sentiment":"neutral","sentiment_score":0.25710201263427734},{"text":"Beautiful.","start":39.835,"end":40.335,"sentiment":"positive","sentiment_score":0.4947530329227447},{"text":"And just as a security day with you as well, I wanna make sure we are very security conscious here.","start":40.395,"end":44.555,"sentiment":"neutral","sentiment_score":0.24181950613856315},{"text":"So I'll just get you to confirm your full name, date of birth, and address I should have on file.","start":44.555,"end":48.815,"sentiment":"neutral","sentiment_score":0.15969003327190875}],"sentiment":"neutral","sentiment_score":0.2090963293753919,"channel":0,"num_words":42,"start":39.435,"end":48.815},{"sentences":[{"text":"Hello.","start":49.614998,"end":50.114998,"sentiment":"neutral","sentiment_score":0.04397326707839966},{"text":"Steven Follett,","start":50.255,"end":51.375,"sentiment":"neutral","sentiment_score":0.03158626053482294}],"sentiment":"neutral","sentiment_score":0.03571526271601518,"channel":1,"num_words":3,"start":49.614998,"end":51.375},{"sentences":[{"text":"Yep.","start":51.275,"end":51.75,"sentiment":"neutral","sentiment_score":0.03272697702050209}],"sentiment":"neutral","sentiment_score":0.03272697702050209,"channel":0,"num_words":1,"start":51.275,"end":51.75},{"sentences":[{"text":"the twentieth","start":51.375,"end":52.015,"sentiment":"neutral","sentiment_score":0.029309077188372612}],"sentiment":"neutral","sentiment_score":0.029309077188372612,"channel":1,"num_words":2,"start":51.375,"end":52.015},{"sentences":[{"text":"Yep.","start":51.91,"end":52.41,"sentiment":"neutral","sentiment_score":0.03256349638104439}],"sentiment":"neutral","sentiment_score":0.03256349638104439,"channel":0,"num_words":1,"start":51.91,"end":52.41},{"sentences":[{"text":"of The 3rd 1993 And 18 Slash 24 Cannington Place, 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definitely look to review that on the track, but a mental health exclusion is one of those ones that can be removed, which is really good to know.","start":461.83,"end":471.44998,"sentiment":"neutral","sentiment_score":-0.017553715771713923}],"sentiment":"neutral","sentiment_score":-0.02186849931983844,"channel":0,"num_words":46,"start":459.43,"end":471.44998},{"sentences":[{"text":"Yeah.","start":472.165,"end":472.665,"sentiment":"neutral","sentiment_score":-0.0240364708006382}],"sentiment":"neutral","sentiment_score":-0.0240364708006382,"channel":1,"num_words":1,"start":472.165,"end":472.665},{"sentences":[{"text":"And then I've also got here that we've got the right shoulder exclusion on the TPD and the income protection policy there again.","start":472.845,"end":479.505,"sentiment":"neutral","sentiment_score":-0.05600691019840862},{"text":"So, again, just any illness or injury in relation to the right 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your previous illness or injury.","start":496.75,"end":500.03,"sentiment":"neutral","sentiment_score":-0.100674681738019},{"text":"But when the assessors gonna look at that, they're gonna look at whether is it linked or can it be linked in any way, shape, or form, or would say","start":500.03,"end":509.06497,"sentiment":"neutral","sentiment_score":-0.011014159210026265}],"sentiment":"neutral","sentiment_score":-0.033429289842024444,"channel":0,"num_words":40,"start":496.75,"end":509.06497},{"sentences":[{"text":"Yeah.","start":508.59998,"end":508.91998,"sentiment":"neutral","sentiment_score":-0.011064831167459488},{"text":"Yeah.","start":508.91998,"end":509.41998,"sentiment":"neutral","sentiment_score":-0.021540910005569455}],"sentiment":"neutral","sentiment_score":-0.016302870586514473,"channel":1,"num_words":2,"start":508.59998,"end":509.41998},{"sentences":[{"text":"somebody else have claimed for the same thing if they've had a car 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well.","start":523.74,"end":529.89996,"sentiment":"neutral","sentiment_score":0.1251429095864296},{"text":"So at the moment, you've got your life and TPD and your income protection policy.","start":529.89996,"end":534.795,"sentiment":"neutral","sentiment_score":0.0009622056037187574},{"text":"They're paid out of super.","start":534.795,"end":536.175,"sentiment":"neutral","sentiment_score":-0.016347627714276315},{"text":"Your current life insured, you've got and so TPD cover, you're covered for a million dollars 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a little bit slow for the afternoon.","start":548.94,"end":550.95996,"sentiment":"neutral","sentiment_score":-0.17832882516086102},{"text":"Your balance your balance inside Super is about 82,335.","start":551.74,"end":558.22,"sentiment":"neutral","sentiment_score":0.027245707189043362},{"text":"So I do apologize.","start":558.22,"end":559.815,"sentiment":"neutral","sentiment_score":-0.048504071310162544}],"sentiment":"neutral","sentiment_score":-0.06549692961076896,"channel":0,"num_words":21,"start":548.94,"end":559.815},{"sentences":[{"text":"Yep.","start":559.39,"end":559.89,"sentiment":"neutral","sentiment_score":0.02764629572629929}],"sentiment":"neutral","sentiment_score":0.02764629572629929,"channel":1,"num_words":1,"start":559.39,"end":559.89},{"sentences":[{"text":"These conversations get a little bit more, but but in the event of passing with claiming on the last cover, the million dollars is paid out to your beneficiaries, but then also see your super balance there.","start":559.875,"end":571.02,"sentiment":"neutral","sentiment_score":0.0410071819315891},{"text":"So you get that $11,082,335 given your circumstances there.","start":571.02,"end":577.04004,"sentiment":"neutral","sentiment_score":0.13009412669473225},{"text":"Is","start":577.82,"end":578.06,"sentiment":"neutral","sentiment_score":0.09130342304706572}],"sentiment":"neutral","sentiment_score":0.05913651690996708,"channel":0,"num_words":47,"start":559.875,"end":578.06},{"sentences":[{"text":"Yeah.","start":577.82495,"end":578.32495,"sentiment":"neutral","sentiment_score":0.1268443763256073}],"sentiment":"neutral","sentiment_score":0.1268443763256073,"channel":1,"num_words":1,"start":577.82495,"end":578.32495},{"sentences":[{"text":"that is that giving you enough cover?","start":578.06,"end":580.22003,"sentiment":"neutral","sentiment_score":0.15339985489845276},{"text":"Is that sort of meeting your 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cover.","start":620.065,"end":627.24,"sentiment":"neutral","sentiment_score":0.1171800215487127}],"sentiment":"neutral","sentiment_score":0.15503755668478628,"channel":0,"num_words":31,"start":617.185,"end":627.24},{"sentences":[{"text":"Now one of the things","start":627.48,"end":628.44,"sentiment":"neutral","sentiment_score":-0.00547383725643158}],"sentiment":"neutral","sentiment_score":-0.00547383725643158,"channel":0,"num_words":5,"start":627.48,"end":628.44},{"sentences":[{"text":"Yep.","start":628.33,"end":628.83,"sentiment":"neutral","sentiment_score":-0.003766854759305715}],"sentiment":"neutral","sentiment_score":-0.003766854759305715,"channel":1,"num_words":1,"start":628.33,"end":628.83},{"sentences":[{"text":"I do like to be honest and open about is that TBD, if in the event of claiming, is a taxable payment.","start":628.44,"end":634.77997,"sentiment":"neutral","sentiment_score":-0.01742869175293229},{"text":"So, unfortunately, there is tax deducted out of 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possible.","start":776.50995,"end":788.795,"sentiment":"neutral","sentiment_score":0.18523144552653487},{"text":"Okay?","start":788.935,"end":789.435,"sentiment":"neutral","sentiment_score":0.05868902429938316}],"sentiment":"neutral","sentiment_score":0.17479670696999305,"channel":0,"num_words":78,"start":767.47,"end":789.435},{"sentences":[{"text":"Yep.","start":789.66003,"end":790.14,"sentiment":"neutral","sentiment_score":-0.000026959305614582263},{"text":"Wrong.","start":790.14,"end":790.64,"sentiment":"neutral","sentiment_score":-0.06069774553179741}],"sentiment":"neutral","sentiment_score":-0.030362352418705996,"channel":1,"num_words":2,"start":789.66003,"end":790.64},{"sentences":[{"text":"Yep.","start":790.695,"end":791.195,"sentiment":"neutral","sentiment_score":0.0314900241792202}],"sentiment":"neutral","sentiment_score":0.0314900241792202,"channel":0,"num_words":1,"start":790.695,"end":791.195},{"sentences":[{"text":"Yep.","start":790.94,"end":791.44,"sentiment":"neutral","sentiment_score":0.11471014469861984}],"sentiment":"neutral","sentiment_score":0.11471014469861984,"channel":1,"num_words":1,"start":790.94,"end":791.44},{"sentences":[{"text":"Perfect.","start":791.415,"end":791.915,"sentiment":"positive","sentiment_score":0.45458224415779114},{"text":"Perfect.","start":792.375,"end":792.875,"sentiment":"positive","sentiment_score":0.5004603862762451},{"text":"So we're happy with this to leave the life on TPD for the moment.","start":792.935,"end":796.5,"sentiment":"positive","sentiment_score":0.3821004458836147},{"text":"If you ever have any questions about either of those covers or wanted to review any of those at any time, you are welcome to let me know, and I'll make time to go through it in more detail with you as 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I'll do that research there for you along with the research around the child trauma policy.","start":2218.55,"end":2223.21,"sentiment":"neutral","sentiment_score":0.2329962910974727},{"text":"Just to let you","start":2223.795,"end":2224.275,"sentiment":"neutral","sentiment_score":0.09277668036520481}],"sentiment":"neutral","sentiment_score":0.20628779381513596,"channel":0,"num_words":21,"start":2218.55,"end":2224.275},{"sentences":[{"text":"Yep.","start":2224.27,"end":2224.77,"sentiment":"neutral","sentiment_score":0.08173121511936188}],"sentiment":"neutral","sentiment_score":0.08173121511936188,"channel":1,"num_words":1,"start":2224.27,"end":2224.77},{"sentences":[{"text":"know, Tyler, it does take me a couple of weeks to do this.","start":2224.275,"end":2226.9949,"sentiment":"neutral","sentiment_score":0.05938583899002809},{"text":"I do have a lot of advice at the moment, so it will take me a few weeks to put everything 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anyway?","start":2250.88,"end":2251.78,"sentiment":"neutral","sentiment_score":0.19392330944538116}],"sentiment":"neutral","sentiment_score":0.19392330944538116,"channel":1,"num_words":2,"start":2250.88,"end":2251.78},{"sentences":[{"text":"Beautiful.","start":2252.595,"end":2253.095,"sentiment":"positive","sentiment_score":0.5377185940742493},{"text":"Thank you so much for that.","start":2253.315,"end":2254.915,"sentiment":"positive","sentiment_score":0.5888337368766466},{"text":"I'll make sure I prioritize it to get it done as quickly as I can for you, but I just like to make sure everyone's sort of aware.","start":2254.915,"end":2260.275,"sentiment":"neutral","sentiment_score":0.20932168619973318},{"text":"It does take just a cup a little bit of time to put everything together and do the research because we are researching all the different options out there to make sure that everything is in line and that the advice is appropriate to you.","start":2260.275,"end":2271.01,"sentiment":"neutral","sentiment_score":0.22056091378132503},{"text":"Okay?","start":2271.01,"end":2271.51,"sentiment":"neutral","sentiment_score":0.08164185285568237}],"sentiment":"neutral","sentiment_score":0.2461556938511354,"channel":0,"num_words":81,"start":2252.595,"end":2271.51},{"sentences":[{"text":"Yeah.","start":2271.725,"end":2271.965,"sentiment":"neutral","sentiment_score":0.10687629878520966},{"text":"Of 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aligned.","start":2279.165,"end":2288.385,"sentiment":"neutral","sentiment_score":0.03225679147769423},{"text":"Most","start":2289.005,"end":2289.325,"sentiment":"neutral","sentiment_score":0.0394827276468277}],"sentiment":"neutral","sentiment_score":0.07799790662770369,"channel":0,"num_words":49,"start":2272.93,"end":2289.325},{"sentences":[{"text":"Yep.","start":2289.15,"end":2289.65,"sentiment":"neutral","sentiment_score":0.03964462876319885}],"sentiment":"neutral","sentiment_score":0.03964462876319885,"channel":1,"num_words":1,"start":2289.15,"end":2289.65},{"sentences":[{"text":"of these questions, I can answer and have already popped a an answer in, but I'll ask you just the ones that we do need to sort of follow-up on.","start":2289.325,"end":2297.6401,"sentiment":"neutral","sentiment_score":0.029270150947074094},{"text":"The first one here is, have you ever held direct shares or investments in your own name before?","start":2298.5,"end":2303.9602,"sentiment":"neutral","sentiment_score":0.003971694270148873}],"sentiment":"neutral","sentiment_score":0.01978322969322714,"channel":0,"num_words":48,"start":2289.325,"end":2303.9602},{"sentences":[{"text":"Okay.","start":2304.465,"end":2304.945,"sentiment":"neutral","sentiment_score":-0.013101101852953434},{"text":"No.","start":2304.945,"end":2305.445,"sentiment":"neutral","sentiment_score":-0.07838815450668335}],"sentiment":"neutral","sentiment_score":-0.04574462817981839,"channel":1,"num_words":2,"start":2304.465,"end":2305.445},{"sentences":[{"text":"No?","start":2305.78,"end":2306.1,"sentiment":"neutral","sentiment_score":-0.05738551914691925},{"text":"That's okay.","start":2306.1,"end":2307.0,"sentiment":"neutral","sentiment_score":0.03628695476800203},{"text":"Beautiful.","start":2307.2202,"end":2307.7202,"sentiment":"positive","sentiment_score":0.5765875577926636},{"text":"Excellent.","start":2308.855,"end":2309.355,"sentiment":"positive","sentiment_score":0.6023285984992981},{"text":"The next one here is looking at inflation.","start":2310.135,"end":2312.5352,"sentiment":"neutral","sentiment_score":0.08879011729732156}],"sentiment":"neutral","sentiment_score":0.14649426808150914,"channel":0,"num_words":13,"start":2305.78,"end":2312.5352},{"sentences":[{"text":"So it's basically saying when you look at your super portfolio, how much risk are you comfortable taking to try and get greater returns that outpace inflation?","start":2312.5352,"end":2321.195,"sentiment":"neutral","sentiment_score":-0.020035358628741017},{"text":"Do you think you'd be trying to take on the highest level of risk to get the best returns you can, maybe a a moderate amount of risk to get the best returns you can, or a low amount of risk to get no returns or lower returns?","start":2321.75,"end":2334.0898,"sentiment":"neutral","sentiment_score":-0.0444739928158621}],"sentiment":"neutral","sentiment_score":-0.03567608450849851,"channel":0,"num_words":75,"start":2312.5352,"end":2334.0898},{"sentences":[{"text":"Mod 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Yeah.","start_word":741,"end_word":800,"intents":[{"intent":"Explore options","confidence_score":0.008638181}]},{"text":"child generally turns a certain age, some providers, it's 15, 16, some providers, it can be age 20. It actually converts into an adult life policy for the child. And because they've had it for such a long time, there's really no underwriting, and they often have no exclusions or loadings on those policies. True.","start_word":1144,"end_word":1198,"intents":[{"intent":"Discuss policy details","confidence_score":0.004476461}]},{"text":"somebody else have claimed for the same thing if they've had a car accident. So it doesn't stop us from trying to make the claim. It's just how the assessors will assess that for you if that helps. Okay? Yeah.","start_word":1690,"end_word":1729,"intents":[{"intent":"Assess insurance coverage","confidence_score":0.0061713434}]},{"text":"Are you wanting to review that level at the moment? Do you feel pretty comfortable with that level of cover?","start_word":1907,"end_word":1926,"intents":[{"intent":"Review cover level","confidence_score":0.09969051}]},{"text":"the the funds to be paid to your your partner so you can have the mortgage cleared and then provide additional income and support for your family? Is that Yeah.","start_word":1981,"end_word":2010,"intents":[{"intent":"Clear funds","confidence_score":0.054046128},{"intent":"Provide income","confidence_score":0.14633897}]},{"text":"I do like to be honest and open about is that TBD, if in the event of claiming, is a taxable payment. So, unfortunately, there is tax deducted out of that. Yep.","start_word":2060,"end_word":2091,"intents":[{"intent":"Restrict tbd coverage","confidence_score":0.0014904151}]},{"text":"If in the event of you having to make a claim on TBD, we would do advise and help you to minimize the tax payable.","start_word":2163,"end_word":2187,"intents":[{"intent":"Minimize tax payable","confidence_score":0.081126414}]},{"text":"the tax on TBD payments can be up to 22%, and that's tax is always deducted out until you reach the age of 60.","start_word":2212,"end_word":2235,"intents":[{"intent":"Clarify tax deductions","confidence_score":0.033650797}]},{"text":"If you ever have any questions about either of those covers or wanted to review any of those at any time, you are welcome to let me know, and I'll make time to go through it in more detail with you as well. Okay? Yeah.","start_word":2582,"end_word":2626,"intents":[{"intent":"Review coverage and discuss income options","confidence_score":0.00000498492}]},{"text":"sorta ask is as soon as something happens to you that requires you to be off work, let us know because then we can let the insurer know that the thirty days has started.","start_word":2956,"end_word":2989,"intents":[{"intent":"Inform insurer about benefits","confidence_score":0.09940775}]},{"text":"It also incorporates a power of attorney to making sure that if you're incapacitated and are unable to make decisions, that you have appointed an attorney who can act on your behalf and that it stipulates what you want them to do or how they how you want them to act in the event that you're unable to make decisions for yourself. And an enduring Correct.","start_word":3672,"end_word":3737,"intents":[{"intent":"Advise attorney appointment","confidence_score":0.0025923015}]},{"text":"Sharing that love around. Exactly right. Beautiful.","start_word":4219,"end_word":4225,"intents":[{"intent":"Share love","confidence_score":0.10260225}]},{"text":"Just so I have the details to make sure it is correct, can I grab your son's Yep. date It's twenty ninth for of the second twenty birth? '24.","start_word":4258,"end_word":4286,"intents":[{"intent":"Check details","confidence_score":0.1490698}]},{"text":"I don't actually have his name. I'm so sorry. What is his No. That's name okay. as well?","start_word":4301,"end_word":4318,"intents":[{"intent":"Check name","confidence_score":0.026036646}]},{"text":"That's name okay. as well? So Gary Gary William Follett?","start_word":4314,"end_word":4323,"intents":[{"intent":"Confirm name","confidence_score":0.014195189}]},{"text":"The next thing is to give you a bit of an update. So part of the review is just sort of letting you know what's happening with your Superdesk.","start_word":4507,"end_word":4535,"intents":[{"intent":"Inquire about progress","confidence_score":0.00006995419}]},{"text":"as of kind of November, one of their underlying investments, Corporate Traveler, they had a trading halt. They had to be reevaluated. They were dishonest and not reporting correctly to their investors.","start_word":5027,"end_word":5058,"intents":[{"intent":"Reevaluation of investers","confidence_score":0.0000033139302}]},{"text":"So it meant that Bennelong had to had to revalue that portion of their investment, and it's meant that Yeah. analysts have gone back and reevaluated Bennelong as a whole. So that portion of your investment portfolio is down by 20.48% for the year since coming on board.","start_word":5060,"end_word":5107,"intents":[{"intent":"Revalue investment portfolio","confidence_score":0.22774445},{"intent":"Resolving investment portfolio","confidence_score":0.012155757}]},{"text":"can kind of get out and work out what they're gonna do, it would be best to remove you from that. Admittedly, Yeah.","start_word":5271,"end_word":5293,"intents":[{"intent":"Removing benelon","confidence_score":0.06879043},{"intent":"Removing benelon","confidence_score":0.16424628}]},{"text":"like to go back, remove that. Let's cut our losses with that investment and put something else in its place that's gonna, you know, help you and provide better returns. Yeah.","start_word":5330,"end_word":5360,"intents":[{"intent":"Helping return investment","confidence_score":0.018853437}]},{"text":"So with that, do you log in to your super very much and have a bit of a look at your portfolio?","start_word":5447,"end_word":5468,"intents":[{"intent":"Evaluate portfolio","confidence_score":0.019157926}]},{"text":"Do you wanna keep that active management approach in your portfolio, or did you want me to look at something a little bit lower risk, more passive that might be lower cost for you?","start_word":5874,"end_word":5907,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.32552975}]},{"text":"by Oakview Financial's investment committee along with the utilization of BlackRock and Blackhawk are one of Australia's of the world's largest investing firms. And Yep.","start_word":6139,"end_word":6163,"intents":[{"intent":"Explain investment committee's investment committee's investment","confidence_score":0.000002045725},{"intent":"Describe investment committee's investment committee's investment committee's investment committee","confidence_score":0.006440199}]},{"text":"The benefit to having an SMA product like this is that whilst it is more passively managed, it can definitely be lower risk, which is great, and utilizing BlackRock's Yeah. investment committee helps us to reduce the risk diversification.","start_word":6388,"end_word":6426,"intents":[{"intent":"Explain benefits of sma product","confidence_score":0.23025644}]},{"text":"But having an estimate means that when, say, Benelon isn't performing as well, instead of us having to wait to review or being able to talk to you to make that change, our investment committee can actually go in there and take that investment out without having to make call to you.","start_word":6427,"end_word":6478,"intents":[{"intent":"Mention investment committee's performance","confidence_score":0.0000116332785}]},{"text":"I'd probably more inclined to maybe just remove the banner long and replace that with something else, but keep the Yeah.","start_word":6996,"end_word":7016,"intents":[{"intent":"Prioritize and replace banner","confidence_score":0.008019611}]},{"text":"just for another year or two just while you're sort of getting your feeling your state and we're getting the investments working harder. And then we can always look to ultra or change those down the tracks. It keeps that high growth portfolio. It keeps everything else working in place, and we just take out Yes. the underperforming investment, replace it with something else now. Does that feel more your comfort level? Yeah.","start_word":7026,"end_word":7098,"intents":[{"intent":"Optimize portfolio","confidence_score":0.025926277}]},{"text":"So I'll do that research there for you along with the research around the child trauma policy.","start_word":7113,"end_word":7129,"intents":[{"intent":"Prioritize research and research","confidence_score":0.000009926215}]},{"text":"The next one here is asking, if you sort of look at your super over the next six months and say due to external market factors, something happened and the portfolio fell by 20%. How might you be feeling?","start_word":7531,"end_word":7569,"intents":[{"intent":"Evaluate portfolio changes","confidence_score":0.012022792}]},{"text":"And one of the good things about your age is that you have time on your side, and one of the things we are looking at when we invest you in certain portfolios is how much time you have before you wanna access those funds. So, Correct.","start_word":7661,"end_word":7707,"intents":[{"intent":"Analyze portfolios","confidence_score":0.011982524}]},{"text":"And the last of the quite couple of questions here, have you ever thought about taking out a loan in order to invest in shares or manage funds? Have you ever considered borrowing to invest?","start_word":8100,"end_word":8134,"intents":[{"intent":"Manage investments","confidence_score":0.0005093599}]},{"text":"They too tend to get a lower rate of return, but having a mix of your growth investments along with those defensive investments helps to spread your risk level over time. It also helps to take advantage of different market conditions as well.","start_word":8345,"end_word":8387,"intents":[{"intent":"Discuss investment portfolio options","confidence_score":0.000051562245}]},{"text":"And I've got down here your u so your car valued at about 35,000. What sort of value would you put on that at the moment, That do you that think?","start_word":9050,"end_word":9080,"intents":[{"intent":"Assess car value","confidence_score":0.15076917}]},{"text":"And I had an a loan on that one of 8,000. Have you cleared that one out at all? Or Same scenario.","start_word":9375,"end_word":9396,"intents":[{"intent":"Verify loan amount","confidence_score":0.00022789084}]},{"text":"I do also provide advice around cash on budgeting. I can help we can, you know, help you or send you to a mortgage broker if you do need those services.","start_word":9725,"end_word":9755,"intents":[{"intent":"Provide advice and help with budgeting","confidence_score":0.0018304406}]},{"text":"I do also provide advice around cash on budgeting. I can help we can, you know, help you or send you to a mortgage broker if you do need those services. That's all part of, you know, what we do. Mortgage Yes.","start_word":9725,"end_word":9766,"intents":[{"intent":"Provide guidance and guidance","confidence_score":0.050021138}]},{"text":"I will get Maddie to do up the annual review pack shortly for you and send it through. It will have all the information that we've kinda gone through with your certificate of currencies, your investment portfolio, showing you sort of what the returns look like on that and everything we've gone through.","start_word":9811,"end_word":9863,"intents":[{"intent":"Provide updates and updates","confidence_score":0.00006773993}]},{"text":"I know I ask you everything under the sun, but is there anything you wanted to ask me, or is there anything else you wanted me to touch base on? Or No. That's all pretty straightforward. I I I honestly thought before the call, it'll be pretty straightforward, which it was. Yeah.","start_word":10103,"end_word":10154,"intents":[{"intent":"Provide instructions","confidence_score":0.0073808185}]}]},"sentiments":{"segments":[{"text":"Hello. Tyler speaking. Hi, Tyler. This is Dana from Achieve Financial. How are you this afternoon? Hey.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.1690036952495575},{"text":"Good day, and how are you? I'm very well. Thank you. Thanks for asking.","start_word":17,"end_word":30,"sentiment":"positive","sentiment_score":0.5158441066741943},{"text":"I had you booked in to go through your annual review this afternoon. Is now still a good time there for you? Oh, sorry. I was in the middle. I'm just waiting on work. Sorry. What was that? That's that's okay. I had you pulled in to go through your annual review. Is now a good time Yeah. there for you? Yeah. Of Yeah? course it is. Yeah. Just jumping All in the good. car, but yeah. Not a problem at all. Just while you're sort of getting yourself sorted there, I will let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Of course. Yeah.","start_word":31,"end_word":148,"sentiment":"neutral","sentiment_score":0.12132733315229416},{"text":"Beautiful.","start_word":149,"end_word":149,"sentiment":"positive","sentiment_score":0.4947530329227447},{"text":"And just as a security day with you as well, I wanna make sure we are very security conscious here. So I'll just get you to confirm your full name, date of birth, and address I should have on file. Hello. Steven Follett, Yep. the twentieth Yep. of The 3rd 1993 And 18 Slash 24 Cannington Place, Holmesdale.","start_word":150,"end_word":207,"sentiment":"neutral","sentiment_score":0.13587689399719238},{"text":"Fantastic. Thank you so much for that.","start_word":208,"end_word":214,"sentiment":"positive","sentiment_score":0.5646994709968567},{"text":"And how's your day been? Good. It's very hot. I bet it is. Look, I'm pretty lucky. I work in an air conditioned office, but I bet when I walk outside this afternoon, it's gonna hit me. So Same way. It's just hitting your thing. So it's I definitely hot. I bet. I bet. So I'm really actually actually quite excited to get to know you. No. We haven't spoken before, but I do work very closely Oh, with Maddie there. She did let me yes. know just before the call that you wanted to sort of have a bit of a chat about the insurance. Is there anything else that you would sort of like me to touch base on with part of your annual review? Not really. Not really. Probably, yeah, the mostly the insurance may be so much for my son. I was thinking of Yeah. maybe increasing mine, but I'll probably I'll probably leave that for a bit and more look into trauma for him. Yep. Yep. That's okay. That's absolutely not a problem. So you did mention that you were looking at maybe increasing your current trauma policy, but you wanted to hold off on that now. Is that right? Is there any particular reason you're not wanting to maybe increase it? Or I'm Yeah. Probably just yeah. So I have another child, so every every dollar counts. So, you know, I've already got mine. I've had mine for a year, so nothing Yeah. I mean, the amount's the amount. So this is what Yeah. it is, so I don't really need to do anything as Yeah. far as I go. But, yeah, I wouldn't Yep. mind doing it for my son, my first Absolutely. son. Yeah. Absolutely.","start_word":215,"end_word":507,"sentiment":"neutral","sentiment_score":-0.003289756692513671},{"text":"Well, congratulations on on having another baby.","start_word":508,"end_word":514,"sentiment":"positive","sentiment_score":0.4868220388889313},{"text":"When are they when is it due? Two weeks.","start_word":515,"end_word":523,"sentiment":"neutral","sentiment_score":0.13112857937812805},{"text":"Wow. That's exciting. That'll be a big change from one to two. That's exactly right.","start_word":524,"end_word":538,"sentiment":"positive","sentiment_score":0.49646657705307007},{"text":"Very big. Too big. Oh, no.","start_word":539,"end_word":544,"sentiment":"neutral","sentiment_score":0.17156419157981873},{"text":"That is very exciting for you. Congratulations. I hope you get some downtime to enjoy the new bub when they come.","start_word":545,"end_word":565,"sentiment":"positive","sentiment_score":0.4370080232620239},{"text":"Hopefully, Yeah. I've been Absolutely. Oh, cool. We can absolutely look at child cover there for you. It's not a problem. Now having a look at the circumstances here, I've got down here that your current child, he is almost two. Is that right? Yeah. That's correct. Yeah. Yeah.","start_word":566,"end_word":614,"sentiment":"neutral","sentiment_score":0.11337634176015854},{"text":"Perfect.","start_word":615,"end_word":615,"sentiment":"positive","sentiment_score":0.3371116518974304},{"text":"So in order to be able to get child cover, the child does need to be two. However, with there's nothing wrong with recommending it prior, and then we just go through the app the application when they turn two or when they're close to the age of two, which is not a problem at all. No. If you like, having a think about the sort of child cover you have now, the generally, it starts around 50,000. Is there an amount you would like to be covered for, or are you just sort of wanting to find something that's been in your budget? I'd probably go for the go for this I'd probably go for the 100 again, Yep. like Yep. mine.","start_word":616,"end_word":738,"sentiment":"neutral","sentiment_score":0.10620218127723632},{"text":"Perfect. Excellent. Not a problem at all.","start_word":739,"end_word":745,"sentiment":"positive","sentiment_score":0.4694202244281769},{"text":"I'll have a look at one pass. But are you open to me going out there and having a look at other providers if there is a benefit to doing so, if it's gonna be maybe cheaper for you and provide a little bit of a, you know, not so hard on your budget? Yeah. Yeah. Of Yeah. course. Yeah. It doesn't really yeah. It doesn't really matter if it's Yeah. two different companies Yep. or what. So that's not a problem. I mean, it doesn't Oh, doesn't matter perfect. in hindsight. Right? No. Absolutely. You have us. If you have to claim, you come to us, and we do all the hard work for you. So it's not a problem Yeah. at all.","start_word":746,"end_word":869,"sentiment":"neutral","sentiment_score":0.130607932806015},{"text":"Excellent.","start_word":870,"end_word":870,"sentiment":"positive","sentiment_score":0.44533929228782654},{"text":"Not a problem at all. Well, I'll have a look at one path and see what it looks like, see if we can link it together and how we can make it cost effective, but I'll also look at other providers out there. Part of my job is Yes. looking at the cost of the product, but also making sure the product is important to you and that you can claim on it. So I do go back, and I have personally do have a look at all the PDFs. I have a look at what the trauma conditions are that can be covered and also Yeah. which providers may have additional covers or allow to, you know I'm sorry. Allow to claim on earlier conditions as well. Because the main ones Yeah. for a child trauma policy are and the biggest ones are definitely cancer, so child cancer, but they do also cover blindness, you know, losing a limb. It's all very much major conditions that can occur. So we wanna make sure because trauma is it's probably one of the least likely ones that you're gonna claim on. So we wanna make sure that it's in the event of a claim that you can claim for as many things as you possibly Yeah. can. Yeah. Okay? Of course. Yeah. Yep.","start_word":871,"end_word":1092,"sentiment":"neutral","sentiment_score":0.0885404720902443},{"text":"Beautiful. And I'll look at a 100,000 there for you. It's not a problem at all.","start_word":1093,"end_word":1108,"sentiment":"positive","sentiment_score":0.4343851506710053},{"text":"When I do look up, his child child trauma policies are great because the longer you hold the policy, admittedly, it does get more expensive over time as with all insurances. But when your Yeah. child generally turns a certain age, some providers, it's 15, 16, some providers, it can be age 20. It actually converts into an adult life policy for the child. And because they've had it for such a long time, there's really no underwriting, and they often have no exclusions or loadings on those policies. True. So it can Yeah.","start_word":1109,"end_word":1202,"sentiment":"neutral","sentiment_score":0.08870723098516464},{"text":"provide that That's benefit for them as well.","start_word":1203,"end_word":1210,"sentiment":"positive","sentiment_score":0.3640484511852264},{"text":"Yeah. that's exactly that's probably why I'm trying to because I've got I've got some underwriting, so that's why I'm kinda like the earlier I get him in Yep. because he's Yes. obviously unscathed, Yes. the probably overall, the better. Yeah. Absolutely. And I've got all the details here. So I can see here that on your policies at the moment, on your TPD, you do have a mental health exclusion, which basically notes here that you're unable to claim for mental health or for any illness or injury that is a result of the mental health. With a mental Yeah. health exclusion, just in case no one has kind of mentioned it to you, as long as you are without any medication or symptoms for around about five to six years, we can often have that reviewed. Some Okay. insurers do like do allow us to review it at around about three to four years as well. So, Alright. we will just keep up to date with you and see how things are going, and you can sort of let us know how comfortable you are with the information you're providing. And, you know, with mental health, it is it can be very hard to disclose the information. So Yeah. when you are comfortable to do so, you just let us know what's happening, and we can definitely look to review that for you. Okay? Yeah. Yeah. No. That's fine. Yep.","start_word":1211,"end_word":1452,"sentiment":"neutral","sentiment_score":0.05576157197356224},{"text":"Perfect.","start_word":1453,"end_word":1453,"sentiment":"positive","sentiment_score":0.4710846245288849},{"text":"Look. I'm honestly very open with mine as well, Tyler. So I have insurance policies, and I also have a mental health exclusion on my policy as well. So I've had depression in the past, Yeah. so it's one Kinda of those things. Yeah.","start_word":1454,"end_word":1497,"sentiment":"neutral","sentiment_score":-0.11196336353367026},{"text":"it's sad to be underwritten.","start_word":1498,"end_word":1502,"sentiment":"negative","sentiment_score":-0.37518855929374695},{"text":"Right? Like but, It does. you know, it's it's fair enough It does. or whatever. You know? Yeah. No. Absolutely. So we'll definitely keep informed with you and see how things are going, and we'll definitely look to review that on the track, but a mental health exclusion is one of those ones that can be removed, which is really good to know. Yeah. And then I've also got here that we've got the right shoulder exclusion on the TPD and the income protection policy there again. So, again, just any illness or injury in relation to the right shoulder. If there is Yep. anything else so, generally, say, if you had a car accident or something had happened to you and you still had a an injury on the right shoulder, we would still try to claim against that because, obviously, Sure. the Yeah. it's not not caused by your previous illness or injury. But when the assessors gonna look at that, they're gonna look at whether is it linked or can it be linked in any way, shape, or form, or would say Yeah. Yeah. somebody else have claimed for the same thing if they've had a car accident. So it doesn't stop us from trying to make the claim. It's just how the assessors will assess that for you if that helps. Okay? Yeah. Of course. Yeah. I gotcha. Yeah. Yeah.","start_word":1503,"end_word":1736,"sentiment":"neutral","sentiment_score":-0.03983778133988381},{"text":"Beautiful.","start_word":1737,"end_word":1737,"sentiment":"positive","sentiment_score":0.3885414004325866},{"text":"Now while I do have you here, it's important as part of our review process that we do review your insurance levels as well. So at the moment, you've got your life and TPD and your income protection policy. They're paid out of super. Your current life insured, you've got and so TPD cover, you're covered for a million dollars even. When Yep. we look at because your balance in Super as of today sorry. I'm just also pulling this up. Yeah. That's My cool. computer's a little bit slow for the afternoon. Your balance your balance inside Super is about 82,335. So I do apologize. Yep. These conversations get a little bit more, but but in the event of passing with claiming on the last cover, the million dollars is paid out to your beneficiaries, but then also see your super balance there. So you get that $11,082,335 given your circumstances there. Is Yeah. that is that giving you enough cover? Is that sort of meeting your goal? Are you wanting to review that level at the moment? Do you feel pretty comfortable with that level of cover? No. That's that's basically more than a that's Yeah. more more how would you say it? That's more than enough. You know? Yep. Yep.","start_word":1738,"end_word":1950,"sentiment":"neutral","sentiment_score":0.029608578355589384},{"text":"Beautiful.","start_word":1951,"end_word":1951,"sentiment":"positive","sentiment_score":0.5419290065765381},{"text":"And in the event of passing, I can see here that you do have your home and your mortgage owing at the moment. Are you sort of wanting Yeah. the the funds to be paid to your your partner so you can have the mortgage cleared and then provide additional income and support for your family? Is that Yeah.","start_word":1952,"end_word":2010,"sentiment":"neutral","sentiment_score":0.12820126116275787},{"text":"That's exactly right.","start_word":2011,"end_word":2013,"sentiment":"positive","sentiment_score":0.4142559766769409},{"text":"Yeah.","start_word":2014,"end_word":2014,"sentiment":"neutral","sentiment_score":0.26787352561950684},{"text":"Which Yep. is easily achievable with a million.","start_word":2015,"end_word":2022,"sentiment":"positive","sentiment_score":0.3818516135215759},{"text":"Yeah. Yeah.","start_word":2023,"end_word":2024,"sentiment":"neutral","sentiment_score":0.26637792587280273},{"text":"Perfect. Excellent.","start_word":2025,"end_word":2026,"sentiment":"positive","sentiment_score":0.5547739267349243},{"text":"Now the next thing we have here is your TBD cover, and I can see with your TBD cover, again, you've got a million dollars in cover. Now one of the things Yep. I do like to be honest and open about is that TBD, if in the event of claiming, is a taxable payment. So, unfortunately, there is tax deducted out of that. Yep. With they see us coming in all areas, don't they? So with the TBD, if you were to claim on TBD again, your super is released because you can release super under the permanent incapacity. With Yeah. the tax on TBD, essentially, the tax would be on the full amount. So your TBD is released to your super, and then the full amount is taxed. It can be up to 22%. If in the event of you having to make a claim on TBD, we would do advise and help you to minimize the tax payable. But I like to kinda give you worst case scenario to make sure that we're open and honest with you. But, essentially, Yeah. the tax on TBD payments can be up to 22%, and that's tax is always deducted out until you reach the age of 60. So it's any claim Yep. up until the age of 60. Given the level Yep. of cover you have at the moment for your super balance and your TBD, the estimated tax on that would be about $238,000. So you'd receive your benefit minus that $2.38. That would still realistically clear your mortgage and provide additional support to yourself and your family knowing that that can be reduced down the future, are you still comfortable with that level of PPD you have at the moment? Yeah. I mean, it is what it is. I mean, it's a Yeah. bit it's a bit weird how the HCI do that because then you can't. I know. I mean, it's Yeah. not like you're gonna lodge your tax return. I understand. Well, it all it Correct. all happens automatically. So when you kind of Yeah. when you get your TBD payout, the tax is sort of withheld from the Superfund and it kinda goes to the ATO that way. So then when you go to either your tax return, that payment is already sitting on your myGov account. They already know about it. So Yeah.","start_word":2027,"end_word":2426,"sentiment":"neutral","sentiment_score":0.020601037070155145},{"text":"it's it's not fun. I personally disagree with that.","start_word":2427,"end_word":2435,"sentiment":"negative","sentiment_score":-0.4249054491519928},{"text":"I do not think if your TBD, Yeah. you've gone yeah. Some sort of disability that stopped you from going back to work, you should not not be disadvantaged and taxed under that. But, No. yeah, it's what That's it is. that's the world we live in. That's that's exactly right. But now look. I just like to make sure I'm open and honest and that I'm providing you with the information that you need to make these informed decisions. In saying that, as I mentioned before, we've if you had a claim on TBD, we've helped you to the claim, and then we will also help you to provide advice to help mitigate or reduce the amount of tax as much as possible. Okay? Yep. Wrong. Yep. Yep.","start_word":2436,"end_word":2564,"sentiment":"neutral","sentiment_score":0.03616825491189957},{"text":"Perfect. Perfect. So we're happy with this to leave the life on TPD for the moment.","start_word":2565,"end_word":2580,"sentiment":"positive","sentiment_score":0.4180926978588104},{"text":"If you ever have any questions about either of those covers or wanted to review any of those at any time, you are welcome to let me know, and I'll make time to go through it in more detail with you as well. Okay? Yeah. Yep.","start_word":2581,"end_word":2626,"sentiment":"neutral","sentiment_score":0.1150798797607422},{"text":"Perfect.","start_word":2627,"end_word":2627,"sentiment":"positive","sentiment_score":0.47550779581069946},{"text":"Now with the income protection side of things here, I can see that you have a monthly benefit amount of 5,414. Again, if you were on an income protection claim, the monthly benefit is taxed the same as your current income is. Income protection Yeah. is taxable again. Your income I had noted here was sorry. Just running up the screen a bit. I had you on about 92,820. Have you had any kind of pay increases since we last caught up? I think yes. I think I'm $99.04 now. 99,000 Yeah. 400? Okay. Perfect. So if I look at that now with income protection, you can be covered for up to 70% of your current income amount. So based on the change of your income, you are slightly underinsured there a little bit. We would need to if you wanted to be covered for the 70%, be looking to increase that monthly benefit to 5,798. You are only just underinsured a little bit. So did you wanna look at maybe increasing that, or are you comfortable with the level Yeah. you have at the Yeah. moment? Yeah. Yeah. Yeah. No. I can I'm sure I can cut the losses. I'm on a good wicket at work, so Okay.","start_word":2628,"end_word":2836,"sentiment":"neutral","sentiment_score":0.021392367780208588},{"text":"it's good Perfect.","start_word":2837,"end_word":2839,"sentiment":"positive","sentiment_score":0.439189612865448},{"text":"for as long as it may.","start_word":2840,"end_word":2845,"sentiment":"neutral","sentiment_score":0.2991952896118164},{"text":"Beautiful.","start_word":2846,"end_word":2846,"sentiment":"positive","sentiment_score":0.40783029794692993},{"text":"And do you have much in the way of long sir sorry. Long service leave or sick leave or any annual leave available to you as well? I've been yeah. Like, I've got a bit of probably four years worth of sick leave, to be honest. So, Yep. yeah, I'm well well well off as far as those those those things go. Yep. Yep.","start_word":2847,"end_word":2910,"sentiment":"neutral","sentiment_score":-0.00923341792076826},{"text":"Perfect.","start_word":2911,"end_word":2911,"sentiment":"positive","sentiment_score":0.3537089228630066},{"text":"To fall back on.","start_word":2912,"end_word":2915,"sentiment":"neutral","sentiment_score":0.23337295651435852},{"text":"Beautiful. Excellent.","start_word":2916,"end_word":2917,"sentiment":"positive","sentiment_score":0.5322909355163574},{"text":"So Yeah. with the income protection policy here, you just have a thirty day waiting period. That essentially means you just have to be off work for thirty days prior to making a claim. What we'd Yeah. sorta ask is as soon as something happens to you that requires you to be off work, let us know because then we can let the insurer know that the thirty days has started. So once that thirty Yep. days is almost completed, we can send the claim information off. And that way, it Yeah.","start_word":2918,"end_word":3009,"sentiment":"neutral","sentiment_score":0.08590608037522306},{"text":"kinda helps to get the claim moving a bit faster for you.","start_word":3010,"end_word":3021,"sentiment":"positive","sentiment_score":0.3836050629615784},{"text":"Okay? Gotcha. Okay. And you've got this six year benefit period, so you can be on a claim for up to six years at that six year mark if you still can't go back to work. The claim does essentially stop the income protection, but at that point, we'd be looking to try and claim on CBD or looking at what else we can do to help you out Yes. there. Okay. Yeah. There. Yep. Yeah.","start_word":3022,"end_word":3097,"sentiment":"neutral","sentiment_score":0.1007392629981041},{"text":"Beautiful.","start_word":3098,"end_word":3098,"sentiment":"positive","sentiment_score":0.6021722555160522},{"text":"Do you have any questions around any of those insurances, anything that we've kinda gone through so far, or is everything all good with those? No. That's a Yep. yeah. No. That's all Yep. straightforward.","start_word":3099,"end_word":3133,"sentiment":"neutral","sentiment_score":0.11689915508031844},{"text":"That's good. Perfect. Perfect.","start_word":3134,"end_word":3137,"sentiment":"positive","sentiment_score":0.5477212071418762},{"text":"Now you've also got your out of pocket trauma, which is the 100,000. You have made mention you're happy with that level, not wanting to look at that now. But if you do in the future, let me know.","start_word":3138,"end_word":3176,"sentiment":"neutral","sentiment_score":0.15536123514175415},{"text":"I'm more than happy to sort of re revisit that for you.","start_word":3177,"end_word":3188,"sentiment":"positive","sentiment_score":0.4296905100345611},{"text":"Okay?","start_word":3189,"end_word":3189,"sentiment":"neutral","sentiment_score":0.22177356481552124},{"text":"Excellent. And you do have a bit of life cover linked to the trauma, which is a great way of structuring it for two reasons. It gives you that multi policy discounts that can make the trauma policy slightly cheaper for you, which is good.","start_word":3190,"end_word":3234,"sentiment":"positive","sentiment_score":0.46134039759635925},{"text":"But it also Yep. means in the event of passing, with policies of life cover held outside of Super, you get access to a funeral benefit, which you don't actually get access to for policies held inside Super. So it means that if in the event Okay. you would have passed away, your family can access that funeral benefit. And with one pass, they can actually get access to it's up to $25,000, and all they need to do is provide your the death certificate, and that money is Yep. paid upfront for them to help cover the cost of your funeral.","start_word":3235,"end_word":3336,"sentiment":"neutral","sentiment_score":0.14580342173576355},{"text":"So that's a really great benefit that comes with that life policy as well.","start_word":3337,"end_word":3350,"sentiment":"positive","sentiment_score":0.7926371693611145},{"text":"I guess that's almost I guess that's an upgrade from Pinewood to Hardwood then.","start_word":3351,"end_word":3364,"sentiment":"neutral","sentiment_score":0.325430691242218},{"text":"Absolutely.","start_word":3365,"end_word":3365,"sentiment":"positive","sentiment_score":0.44756656885147095},{"text":"You could go a bit more fancy. You could have a I think singer. maybe golf. Yeah.","start_word":3366,"end_word":3382,"sentiment":"neutral","sentiment_score":0.12419077008962633},{"text":"Fucking.","start_word":3383,"end_word":3383,"sentiment":"negative","sentiment_score":-0.4357125163078308},{"text":"You you can do whatever you want. You can make sure that money is Yeah.","start_word":3384,"end_word":3398,"sentiment":"neutral","sentiment_score":0.029588179662823677},{"text":"Fuck.","start_word":3399,"end_word":3399,"sentiment":"negative","sentiment_score":-0.4719030261039734},{"text":"that 25,000 is fully used for your funeral and have all the bells and whistles. I don't know. Yeah. I should I should maybe ride a wheel then. Right? Absolutely. And that kinda comes into the next side of the conversation. There is the Yeah. estate planning side. So have you guys drawn up a will, or have you seen a solicitor to draw a will? I know it said last year that was on the to do list. Yeah. Definitely. No. We no. We haven't. Mhmm. Yeah. No. No. We haven't, but we we Yep. definitely plan on doing it now. Definitely Yep. now. Yep. No. That's okay.","start_word":3400,"end_word":3508,"sentiment":"neutral","sentiment_score":0.022966880351305008},{"text":"Perfect. It is definitely one of those things to look at. I can see you've got your beneficiary nomination set up on your and your life cover, which is great. That essentially means that in the event of passing, a 100% of the benefits are paid to Rhiannon, to your spouse, which is great. That means she can cover the mortgage and take a bit of time, downtime to look after the kids and, you know, provide additional support to family there, which is a benefit.","start_word":3509,"end_word":3594,"sentiment":"positive","sentiment_score":0.4907440543174744},{"text":"But there's Yeah. also all those other assets outside of Super to any savings and things like that.","start_word":3595,"end_word":3612,"sentiment":"neutral","sentiment_score":0.27180200815200806},{"text":"And it will not only use to see yourself, but it's also for your partner as well.","start_word":3613,"end_word":3629,"sentiment":"positive","sentiment_score":0.3407442271709442},{"text":"So making Yeah. sure that in the event that something happens to both of you, that you have a guardian chosen, someone that you can trust to look after your kids in the event of something happening to both of you. It also incorporates a power of attorney to making sure that if you're incapacitated and are unable to make decisions, that you have appointed an attorney who can act on your behalf and that it stipulates what you want them to do or how they how you want them to act in the event that you're unable to make decisions for yourself. And an enduring Correct. power of Yep.","start_word":3630,"end_word":3739,"sentiment":"neutral","sentiment_score":0.16653648228807882},{"text":"attorney is the best one to have. It generally gives them, you know, a whole overlay for medical and financial power of attorney. So those are definitely worth doing. I always think having a will drawn up is more an investment in yourself and your family, making sure to protect those, you know, those that you love the most.","start_word":3740,"end_word":3798,"sentiment":"positive","sentiment_score":0.507935106754303},{"text":"Yeah. So, Yeah. Of course. Yeah. Yeah. yeah.","start_word":3799,"end_word":3806,"sentiment":"neutral","sentiment_score":0.17804044485092163},{"text":"Perfect.","start_word":3807,"end_word":3807,"sentiment":"positive","sentiment_score":0.5304359197616577},{"text":"Did you want us to email through some details and maybe a bit of a costing of a solicitor that we can refer you to? There's no obligation to use, and it can just be Yeah. a bit I mean of a talking yeah. point for you. Yeah? Yeah. That's exactly right. Yeah. Might kick Yep. me in the bum and being the last two actually get one growing up. That's okay.","start_word":3808,"end_word":3879,"sentiment":"neutral","sentiment_score":0.10351959615945816},{"text":"It's never an easy conversation to have, but it is definitely one that's really important. And sometimes it can be really rewarding to to have that conversation.","start_word":3880,"end_word":3906,"sentiment":"positive","sentiment_score":0.5050573945045471},{"text":"I know with my husband sorry. With my husband, he is not from here. He's actually from Yonge in in sort of well, Midwestern New South Wales. And Yeah. his family always thought he would wanna be sent down there after passing, but we've kind of had that conversation and talked and have asked him what he wants. And it kind of brought home and made him think about what he actually wants to happen, you know, if and when Yeah. he was to pass away.","start_word":3907,"end_word":3992,"sentiment":"neutral","sentiment_score":0.046531450003385544},{"text":"So it can be kind of a good conversation to have and allows you to think about what what you want, what is important to you, and what you want to happen.","start_word":3993,"end_word":4024,"sentiment":"positive","sentiment_score":0.3621380627155304},{"text":"So yeah. Yeah. Yeah. Well, Yeah. hold on. I mean, once you have kids, it's I guess it becomes I guess the kids are the kids are the one thing anyway. You know? So Absolutely. The most important thing in the world. Oh, that's it. Isn't it amazing becoming a parent? You you think you can never love anyone like the person you've just created, and they do all sorts of crazy things to make you laugh, cry, can be the most stressful job in the world, Yeah.","start_word":4025,"end_word":4112,"sentiment":"neutral","sentiment_score":0.040195116265253586},{"text":"but That's it is great the most rewarding at the same time.","start_word":4113,"end_word":4124,"sentiment":"positive","sentiment_score":0.5607285499572754},{"text":"for us. Yeah. But I yeah. As long as they yeah.","start_word":4125,"end_word":4135,"sentiment":"neutral","sentiment_score":0.1952978223562241},{"text":"We've we've we've done well for our our our time.","start_word":4136,"end_word":4145,"sentiment":"positive","sentiment_score":0.386868953704834},{"text":"So, I mean, that'll be, yeah, that'll be definitely something at the end. Yeah. Absolutely. No.","start_word":4146,"end_word":4161,"sentiment":"neutral","sentiment_score":0.20304115116596225},{"text":"Perfect. Yep. That'll be fantastic. And the couple more weeks, and you'll have another one, and that'll be amazing.","start_word":4162,"end_word":4180,"sentiment":"positive","sentiment_score":0.5625362992286682},{"text":"I'm sure your little Yeah. boy is gonna be a I'm great sure I will. And then they have to get the big fifty fifty, and now it's not just one brother. child. It's two. That's it. Yep. Sharing that love around.","start_word":4181,"end_word":4222,"sentiment":"neutral","sentiment_score":0.13496722280979156},{"text":"Exactly right. Beautiful.","start_word":4223,"end_word":4225,"sentiment":"positive","sentiment_score":0.3563846945762634},{"text":"No. That'll be amazing. Well, for the time being, I'll have a look at the the one child trauma policy for you for the sum of a 100 Yeah. thousand dollars there. Just so I have the details to make sure it is correct, can I grab your son's Yep. date It's twenty ninth for of the second twenty birth? '24. Yep. Perfect.","start_word":4226,"end_word":4288,"sentiment":"neutral","sentiment_score":0.03133082017302513},{"text":"Excellent.","start_word":4289,"end_word":4289,"sentiment":"positive","sentiment_score":0.3559189438819885},{"text":"Excellent. And I'm just checking what else I have on here. I don't actually have his name. I'm so sorry. What is his No. That's name okay. as well? So Gary Gary William Follett? Wow. Beautiful. Oh, sorry. Sorry. No. No. Sorry. I got that wrong. I'm thinking of my new sons. It's Oscar William Follett. Oscar William Follett. And it's o Yeah. s c a r. Is that spelled correctly? Yeah. That's correct. Yes. Yeah.","start_word":4290,"end_word":4365,"sentiment":"neutral","sentiment_score":0.0003330424951855093},{"text":"Perfect. Beautiful. And, look, the new name for your beautiful new son is beautiful.","start_word":4366,"end_word":4379,"sentiment":"positive","sentiment_score":0.5872528553009033},{"text":"I will keep that a secret if it's not meant to be out there. Don't worry. Yeah. It's it's alright. It's only new ones. It's it's in the talking terms now, so I'm getting mixed up. Oh, that's okay. Wait till they come. I get my three kids mixed up all the time. Yeah. Yeah. Well, when you ask what's their full name, it kinda took me a bit of a second ago.","start_word":4380,"end_word":4452,"sentiment":"neutral","sentiment_score":-0.04933726042509079},{"text":"Fuck.","start_word":4453,"end_word":4453,"sentiment":"negative","sentiment_score":-0.39830321073532104},{"text":"What is his middle name again? Can't remember. You don't have to use it in you know? You don't have Yeah. to use it much. Yeah. No. Understandable. Oh, there's so many more fun times like that to come, but that's beautiful.","start_word":4454,"end_word":4495,"sentiment":"neutral","sentiment_score":0.04415381699800491},{"text":"I love that name. It is fantastic. Thank you. All good.","start_word":4496,"end_word":4506,"sentiment":"positive","sentiment_score":0.7185576558113098},{"text":"The next thing is to give you a bit of an update. So part of the review is just sort of letting you know what's happening with your Superdesk. So as I kinda mentioned before, your balance is up. You're up too sorry. Balance is gone again on me. It's 82,335. I did have a look back. So when you came what originally, a bit over twelve months ago now, your balance that we rolled in was about 73,600 and Yeah. 86. So you have seen a bit of growth there, which is good. Contributions Yeah. are still going in, which is also sorta helping with that. When I look at your portfolio as a whole, I've gone through and done a little bit of digging to see exactly what's been going on with it as well because, admittedly, the growth is a little bit slower for the first year than what we would normally Yeah. like. Yeah. Yep. When we have a look at the individual investments as a whole, we've got you know, you've got some well, we've got some S and P 500, which is doing quite well. From inception, it's up about 5.14%. This is sort of just over the full year. You've got your Global Healthcare again. It's up by 0.26, so a bit low for where I wanna see it. Your physical Yeah.","start_word":4507,"end_word":4735,"sentiment":"neutral","sentiment_score":0.05225989017554246},{"text":"gold is doing very well. It's up over 56.","start_word":4736,"end_word":4744,"sentiment":"positive","sentiment_score":0.5477441549301147},{"text":"93, and then you've got your Yep. Australian shares component, which is the Raffy. And that one there is up over 17.83%.","start_word":4744,"end_word":4765,"sentiment":"neutral","sentiment_score":0.2672382891178131},{"text":"So they are doing really well. I would like to see your S and P 500 slightly higher, and your Yep.","start_word":4766,"end_word":4786,"sentiment":"positive","sentiment_score":0.4460351765155792},{"text":"Global Yep. Healthcare is a lot lower for where we'd sort of expect Yep. that. You've also got some, JPMorgan in there, which is giving you a bit of active management, and that's a globalized sort of investment. So they don't have any particular thematic or theme with their investing in. It's just whatever is coming up and and out there and trying to, you know, get the best returns they possibly can within that fund.","start_word":4787,"end_word":4862,"sentiment":"neutral","sentiment_score":0.09380941838026048},{"text":"Yes. That is up over 7.59% since coming on board. So that, again, is quite good. That is up. That's sort of where we'd like to expect to see your portfolio as a whole when you're in the sort of growth to high growth area that you that you are.","start_word":4863,"end_word":4912,"sentiment":"positive","sentiment_score":0.45154157280921936},{"text":"Yep. I'm just double checking. Yeah. So you're at a high growth portfolio. So that generally encompasses anywhere between sort of nine to 11% returns on an average basis. Yep. For a whole, up until about November, your portfolio was almost a 5% of a return. As of Yeah. November, your other investments been along I don't know if anyone's have made mention or if you've seen in the news, but you have the Benelon Australian equities in there that was recommended.","start_word":4913,"end_word":4994,"sentiment":"neutral","sentiment_score":0.07479289174079895},{"text":"Benelon, over the last few years, has seen great returns. They have been a great Australian shares fund, and they invested in Australian equities, and they have performed quite well.","start_word":4995,"end_word":5024,"sentiment":"positive","sentiment_score":0.42954856157302856},{"text":"Unfortunately, Yep. as of kind of November, one of their underlying investments, Corporate Traveler, they had a trading halt. They had to be reevaluated. They were dishonest and not reporting correctly to their investors.","start_word":5025,"end_word":5058,"sentiment":"negative","sentiment_score":-0.5673195719718933},{"text":"So it meant that Bennelong had to had to revalue that portion of their investment, and it's meant that Yeah. analysts have gone back and reevaluated Bennelong as a whole.","start_word":5059,"end_word":5088,"sentiment":"neutral","sentiment_score":-0.08215325325727463},{"text":"So that portion of your investment portfolio is down by 20.48% for the year since coming on board.","start_word":5089,"end_word":5106,"sentiment":"negative","sentiment_score":-0.40411099791526794},{"text":"And I'm giving you inception figures because I want you to sort of see how it is for the first year since you came on board, not just sort of looking at different time frames. Yeah. Yeah. So I'm actually having a look at that.","start_word":5107,"end_word":5151,"sentiment":"neutral","sentiment_score":-0.09184444695711136},{"text":"I'm not happy with how Benelon has been performing.","start_word":5152,"end_word":5160,"sentiment":"negative","sentiment_score":-0.5688761472702026},{"text":"I would like to, as part of this advice, if you're comfortable for me to do, go back. Let's get rid of Benelon. We'll find something else to put in its place that has been performing better. Because everyone's had to go back, analysts are reevaluating that.","start_word":5161,"end_word":5207,"sentiment":"neutral","sentiment_score":-0.22711220383644104},{"text":"It's just not holding up as an investment. And sitting there from November to now, it has seen a small increase, but it's not calling back the way it's supposed to be. And Benelon are not able to get out of corporate Traveler. They have to kind of hold that investment because there was a trading halt there.","start_word":5208,"end_word":5265,"sentiment":"negative","sentiment_score":-0.3939008116722107},{"text":"So until Yeah. they Yeah. can kind of get out and work out what they're gonna do, it would be best to remove you from that. Admittedly, Yeah. it will be down. It does mean we are gonna be cementing some of the drops there, but it should definitely also offset any other capital gains that we might have. So I would just Yeah. like to go back, remove that. Let's cut our losses with that investment and put something else in its place that's gonna, you know, help you and provide better returns. Yeah. Does Of course. that That's, sound like, that's okay? the Yep. game Absolutely. we play. Absolutely. Right? Well, we Can't win definitely them try. all? And, look, over the last sort of five to ten years, that alone's done great.","start_word":5266,"end_word":5400,"sentiment":"neutral","sentiment_score":-0.06319884210824966},{"text":"But this last one that's happened last year has kind of shown everyone, and it's it's just not holding up anymore.","start_word":5401,"end_word":5421,"sentiment":"negative","sentiment_score":-0.3875113427639008},{"text":"So Yes. It's that investment okay. firm has a bit of work to do. Yeah. Yeah. Yeah. That's alright.","start_word":5422,"end_word":5440,"sentiment":"neutral","sentiment_score":0.15569504546491722},{"text":"Vienna Excellent. o four. Yeah. Perfect.","start_word":5441,"end_word":5446,"sentiment":"positive","sentiment_score":0.4833411574363709},{"text":"So with that, do you log in to your super very much and have a bit of a look at your portfolio? Do you like sort of seeing where the money's invested? Or To be honest, not as much, especially in the first yeah. year with how how everything is going. I'd I'd Mhmm. rather just not look at not look at it because I can't Yep. I mean, I've just rolled into the year. So it's not me it's not worth me going, oh, what you know, complaining about Yeah. complaining about it. Because at the end of the day, it's I get paid Yeah. super, you know, from work. So it's not Yeah. like I'm losing what I'm, you know, what I'm depending on right as of this stage of my life. It's like, Yeah. oh, well, you you win some, you lose some. There's more going in. It Yeah. kinda doesn't you know, it's not not Yeah. much of a, yeah, not much of a thinking point for me at this point. Yep. No. That's okay. That's not a problem at Yeah. all. Not an issue at all. And the main sort of reason I ask is that we have definitely different ways of investing styles, and the way your investments are structured at the moment encompasses kind of a core and satellite approach where you have just a couple of investments holding core. They're like the S and P 500 that did encompass Bandalong as well. And these are investors that have been around for a long time, but then we have the satellites, which are branching out, taking a little bit more risk in order to get greater potential returns there. With your portfolio at the moment, you also encompass the active management style, which is what Fan Along was supposed to provide, and it also has that JPMorgan in there as well. And those are Yeah. giving you a bit of active management. Those sorts of investment managers are trying to pick and choose investments that they want in their portfolio to outperform Yep. the market.","start_word":5447,"end_word":5798,"sentiment":"neutral","sentiment_score":-0.021938150759193708},{"text":"And when we're younger, we can access that, and it's good to have a bit of active management.","start_word":5799,"end_word":5816,"sentiment":"positive","sentiment_score":0.46209290623664856},{"text":"Active managers don't always outperform the market, and we understand that. However, having some of that when we're younger does take on a little bit more risk, and we can get greater potential returns by having that in our portfolio. Because you Yeah. are still quite young, you do have a lot of time ahead of you. Do you wanna keep that active management approach in your portfolio, or did you want me to look at something a little bit lower risk, more passive that might be lower cost for you? I mean, yeah, that's probably an idea because I know I know this year was high risk. Right? Mhmm. Yep. And it's and, I mean, it's done well in saying that. But, yeah, I mean, if you if you can suggest or advise something a bit more stable in a way, then, you know, let's Yeah. probably look at that that avenue. Because that's what I mean. At the end of the day, going with Oakview Financial, it's it's not a a year and make and break and you end up leaving and that's like that. So I I do Yeah. wanna try different methods. And at Yeah. the end of the day, over the next couple years and figure out, you know, maybe I can I can branch out on a higher risk score? You you know what I mean? That's kinda you gotta try different things or Yeah. you Absolutely. know what's Yeah. Yeah. Absolutely. Well, what we can also look at if you would like me to do so, and I'll do the research between all the different options options to work out what's gonna provide greater benefit to you. manageable. But we do Yep. also have an SMA that's recently being built there. Now an SMA is a separately managed account, so very much similar to one of the investments in there. It's being built Yeah. by Oakview Financial's investment committee along with the utilization of BlackRock and Blackhawk are one of Australia's of the world's largest investing firms. And Yep. OC Financial's investment committee along with the BlackRock investment committee have built this SMA. This is more of a passively managed fund, and within the SMA, BlackRock has put all the investments through their computer, and they work at the risk level. It's about diversification, how to reduce the level of risk. But the benefit of having an SMA and the reason I kind of wanted to find out whether you look at your super very often is that when you if we were to look at this SMA product, within your super, you essentially see your funds and you see the OPU SMA, and it would have the name of the SMA, whether it be Bloom, Catalyst, or one of the other ones because we have four, and they're all different names. Inside of that is where your funds are invested. And in the underlying, anywhere between 20 to 50 different investments depending on what's occurring, but all you sort of see in your super fund is the SMA product. We can download reports that show you a lot more detail around where the funds are invested and provide, you know, change reports every couple of months to show you what's being changed, but it just doesn't give Yeah. you as much visibility on your super account as to where the funds are invested.","start_word":5817,"end_word":6387,"sentiment":"neutral","sentiment_score":0.14972205587944926},{"text":"The benefit to having an SMA product like this is that whilst it is more passively managed, it can definitely be lower risk, which is great, and utilizing BlackRock's Yeah. investment committee helps us to reduce the risk diversification.","start_word":6388,"end_word":6426,"sentiment":"positive","sentiment_score":0.5184831023216248},{"text":"But having an estimate means that when, say, Benelon isn't performing as well, instead of us having to wait to review or being able to talk to you to make that change, our investment committee can actually go in there and take that investment out without having to make call to you. They just go, hey.","start_word":6427,"end_word":6482,"sentiment":"neutral","sentiment_score":0.049354150891304016},{"text":"This isn't working.","start_word":6483,"end_word":6485,"sentiment":"negative","sentiment_score":-0.5001311302185059},{"text":"We need to move it. Let's move that investment, put something else in its place quickly, and they can do that with Yep. an estimate. So while there's less visibility having that sort of a product, it does give us a lot more control around maneuvering investments when they're not performing correctly, when the market might need be you know, might have something occurring in it. If, say, COVID event came back again and we needed to maybe move some more money in defensive investments, it would allow us to do that and make that change quickly. But it's not for Yeah. everyone, and I do have other clients who like to look at their account, wanna see more visibility around their investments, so they're not going into that product for that reason. So I just wanted to find out more about what's your comfort level, where that fits for you, and what you would like to see out of your super and your investments there. Does that make sense? Yeah. Yeah. Of course. And Yeah. it's it's obviously not a new it's not a new generated thing. Like, we're talking it's it's been I guess, it's it's a good word for it. It's it's established. It's not a start up or a new new thing that's occurred in the last year or something. So the estimate itself is it has been only made up in the past couple of months, but it was about a year in Okay. the making. However, the underlying investments where your money is invested is not. These are all all the investments within that portfolio, within that SMA, have been around for a long period of time. We have a track record. We know what they've done. We know who the investment managers are. It's gone through risk assessment as well. So while the estimate Yeah. itself Yeah. hasn't been around for a long time, the underlying investments have. And your money's invested in the estimate, but where the funds are really invested is always underlying investments. Does that make sense? Yeah. Right. Yeah. Yeah. Yeah. Of course. Because the only reason, I mean, you gotta when it when it comes to this, I guess it's the skeptical question of start up can start up quick or it can, you know, it can still be finding its feet. Yeah.","start_word":6486,"end_word":6880,"sentiment":"neutral","sentiment_score":0.002915392830213414},{"text":"So I just don't wanna Correct.","start_word":6881,"end_word":6886,"sentiment":"negative","sentiment_score":-0.33419403433799744},{"text":"I mean, I'd probably, yeah, I'd probably be inter interested in it if it's performing so far to Yeah. its day. But if it's if it's still very fluctuating and stuff of that nature, and that's all because it's kinda, I I don't know, a a new thing or say just a a new thing, then I'd rather, you know, kinda see risk in it then, if that if that makes sense. Yeah. Yeah.","start_word":6887,"end_word":6960,"sentiment":"neutral","sentiment_score":-0.033927783370018005},{"text":"That's that's absolutely okay. That's completely fine.","start_word":6961,"end_word":6967,"sentiment":"positive","sentiment_score":0.4634285271167755},{"text":"The what the way I'm sort of thinking about things with the conversation we are having is that I'm probably not gonna move you into that SMA product. I'd probably more inclined to maybe just remove the banner long and replace that with something else, but keep the Yeah. crux of your investments the way they are Yeah. just for another year or two just while you're sort of getting your feeling your state and we're getting the investments working harder. And then we can always look to ultra or change those down the tracks. It keeps that high growth portfolio. It keeps everything else working in place, and we just take out Yes. the underperforming investment, replace it with something else now. Does that feel more your comfort level? Yeah. That's probably yeah. Yep. I I definitely agree. Yeah. Yep. Yeah.","start_word":6968,"end_word":7109,"sentiment":"neutral","sentiment_score":-0.0032231048680841923},{"text":"Perfect. Excellent. Beautiful.","start_word":7110,"end_word":7112,"sentiment":"positive","sentiment_score":0.6002063155174255},{"text":"So I'll do that research there for you along with the research around the child trauma policy. Just to let you Yep. know, Tyler, it does take me a couple of weeks to do this. I do have a lot of advice at the moment, so it will take me a few weeks to put everything together. But I will prioritize it for you and have it back as soon as I can. Once my team have everything together, we'll put the advice documents together, and I'll book you back in to go through it so you can see everything nice and clear. Is that okay? Easy, peasy. Yep. That's where I had a couple of weeks. There's a couple of weeks that I plan Oh, on beautiful. going anyway?","start_word":7113,"end_word":7242,"sentiment":"neutral","sentiment_score":0.1467115730047226},{"text":"Beautiful. Thank you so much for that.","start_word":7243,"end_word":7249,"sentiment":"positive","sentiment_score":0.6511926651000977},{"text":"I'll make sure I prioritize it to get it done as quickly as I can for you, but I just like to make sure everyone's sort of aware. It does take just a cup a little bit of time to put everything together and do the research because we are researching all the different options out there to make sure that everything is in line and that the advice is appropriate to you. Okay? Yeah. Of course. Easy.","start_word":7250,"end_word":7327,"sentiment":"neutral","sentiment_score":0.20776380598545072},{"text":"Yep. Beautiful.","start_word":7328,"end_word":7329,"sentiment":"positive","sentiment_score":0.4555738866329193},{"text":"Now I did also just wanna run through a new profile questionnaire. Just making sure I don't see there's any been any changes to the high growth environment that you're in, but it's important just to kinda revisit that just to make sure that everything's aligned. Most Yep. of these questions, I can answer and have already popped a an answer in, but I'll ask you just the ones that we do need to sort of follow-up on. The first one here is, have you ever held direct shares or investments in your own name before? Okay. No. No? That's okay.","start_word":7330,"end_word":7430,"sentiment":"neutral","sentiment_score":0.03924255073070526},{"text":"Beautiful. Excellent.","start_word":7431,"end_word":7432,"sentiment":"positive","sentiment_score":0.5894581079483032},{"text":"The next one here is looking at inflation. So it's basically saying when you look at your super portfolio, how much risk are you comfortable taking to try and get greater returns that outpace inflation? Do you think you'd be trying to take on the highest level of risk to get the best returns you can, maybe a a moderate amount of risk to get the best returns you can, or a low amount of risk to get no returns or lower returns? Mod yeah. Moderate. What In are the yep. middle. Perfect. Yeah. In the middle. Beautiful. The next one here is asking, if you sort of look at your super over the next six months and say due to external market factors, something happened and the portfolio fell by 20%. How might you be feeling? Do you think it's a buying opportunity? You wanna put more money into the market? Are you more likely to hold and wait and call us, or are you feeling a bit concerned and wanting to put your money in something a bit less risky? No. I guess no answer, really. Like, I don't if it drops 20, it drops 20. I mean, it's as as I said before, you can't you're not gonna win all the time, but I guess Yep. sometimes you just gotta hold it down.","start_word":7433,"end_word":7658,"sentiment":"neutral","sentiment_score":-0.06192500183803845},{"text":"Yeah. Excellent.","start_word":7659,"end_word":7660,"sentiment":"positive","sentiment_score":0.5708027482032776},{"text":"And one of the good things about your age is that you have time on your side, and one of the things we are looking at when we invest you in certain portfolios is how much time you have before you wanna access those funds. So, Correct. say, Yeah. when we look back at COVID or even the GFC, because that was a bigger style event, anyone Yeah. who was in, like, a high risk, high growth portfolio just as a GFC hit would have seen extreme losses, a lot of drops Sure. in their portfolio. Yeah. Be. A lot That's of people it. were, yeah, a lot of people were actually retiring at that point. I've met a lot of retirees who had to submit those losses because they'd already committed to retiring or had just retired, and Yeah. they actually end up with less super. But the benefit Yeah. to yourself is that you still have a lot of time ahead of you. You can't Correct. access super to the age of 60. So if we saw a 20% drop drop in your portfolio over the next six months, Whilst you look at your portfolio, no one likes to see it go down. It's about remembering that you're not retiring this year or next year. You've got time. So if it takes a year or two to come back, that's okay. It comes back. And Yeah. your super your contributions are going in. You're buying into that discounted time frame. So Yeah. it's about the way we look at it, but making sure that you have Yeah. that time. I mean, the biggest it's the biggest commodity you have time. It's the most important thing we have. We trade time for everything, especially money. So, That's it. you know, that's the most important thing we have to trade these days. So it's about making sure that you're not gonna retire in the next year or two. If, let's say, something happened and you were only two years out of retirement, I would not be wanting you in a high growth portfolio. We would have been scaling back a long time ago. That way, you're taking less risk in the market. Does that make sense? Yeah. I mean, we'd all, yeah, we'd all love to retire Yeah. at 35, but in this Yeah. day and age, that's incredibly It's harder. hard. Absolutely. Keeping in mind, if you do win lotto tomorrow, give me a call and I'll help you. Yeah. I will do. You'll know about it. Don't worry. The super will get something. Absolutely. Absolutely. No. Perfect. And the last of the quite couple of questions here, have you ever thought about taking out a loan in order to invest in shares or manage funds? Have you ever considered borrowing to invest? Not at this point in my life. No. Yep. No. That's okay. Perfect. And you've only got your own home there. You don't have any investment properties at all at the moment. That's that's the next investment. Yeah. Perfect. Yeah.","start_word":7661,"end_word":8174,"sentiment":"neutral","sentiment_score":0.003834611145554814},{"text":"Fantastic. Yeah. All good.","start_word":8175,"end_word":8178,"sentiment":"positive","sentiment_score":0.406432032585144},{"text":"Well, having a look at that one, you have scored there as a high growth investor. So a high growth investor does generally see that 90% of the super in growth investments, so things like cash oh, sorry. International Australian shares. I apologize. I was a bit tongue tied this afternoon. That's okay. It it growth investments are international shares, Australian shares, commodities like gold and silver, and then also looking at property, both Australian listed property there as well. You can also Yep. have other investments like credit funds and things like that, unlisted property and things, but we don't invest in those sort of things. We try to keep No. everything liquid so it can be withdrawn if it needed to quickly. Yeah. Okay? Yep. And then with a high growth profile, you so you see 90% in those high growth investments, and you see about 10% generally in defensive investments of things like cash, bonds, and fixed interest. They are lower risk.","start_word":8179,"end_word":8343,"sentiment":"neutral","sentiment_score":0.08703340590000153},{"text":"They too tend to get a lower rate of return, but having a mix of your growth investments along with those defensive investments helps to spread your risk level over time. It also helps to take advantage of different market conditions as well.","start_word":8344,"end_word":8386,"sentiment":"positive","sentiment_score":0.34170758724212646},{"text":"It's not always a rule of thumb, but, historically, when, say, equities aren't performing as well, we do tend to find defensive investments can sort of provide greater returns. So it's about trying to take advantage of different market conditions essentially. Does that make sense? That does very much. Yep.","start_word":8387,"end_word":8436,"sentiment":"neutral","sentiment_score":0.202054426074028},{"text":"Perfect.","start_word":8437,"end_word":8437,"sentiment":"positive","sentiment_score":0.354757696390152},{"text":"Sorry about that. I got a bit tongue tied. It's okay. Don't be sorry. It's alright. It was the same with when you asked me my son's first name.","start_word":8438,"end_word":8466,"sentiment":"neutral","sentiment_score":0.06531858444213867},{"text":"All good. I still see you've been in that high growth environment quite comfortably. You're fairly comfortable remaining in that sort of environment with your Yeah. super.","start_word":8467,"end_word":8493,"sentiment":"positive","sentiment_score":0.4835835099220276},{"text":"Of course. Yeah. Yep. Yeah. Yep.","start_word":8494,"end_word":8499,"sentiment":"neutral","sentiment_score":0.1834114640951157},{"text":"Beautiful.","start_word":8500,"end_word":8500,"sentiment":"positive","sentiment_score":0.5008398294448853},{"text":"The last thing to run through with you is just to kind of update any major circumstances and your asset changes. I've got here, you've had a change in income. You mentioned that was about 99,400. Is that right? Sorry? Correct. Yeah. Yep. Yep.","start_word":8501,"end_word":8544,"sentiment":"neutral","sentiment_score":0.09621289372444151},{"text":"Beautiful. Excellent.","start_word":8545,"end_word":8546,"sentiment":"positive","sentiment_score":0.5039376020431519},{"text":"And then we've got down here, are you managing to put much away in the way of savings out of your income, or is everything kinda going towards your bills? Yeah. A little bit of savings on the side. Okay. But, yeah, as well as basically doing a heap of renos at home. So money's coming Yeah. in.","start_word":8547,"end_word":8604,"sentiment":"neutral","sentiment_score":0.08437995612621307},{"text":"Money's Nice. going out.","start_word":8605,"end_word":8608,"sentiment":"positive","sentiment_score":0.3659495711326599},{"text":"Absolutely. What kind of rent out is he doing? This big shed, big slab, just all outside, Nice. bathrooms about to get done. So, I mean, Nice.","start_word":8609,"end_word":8635,"sentiment":"neutral","sentiment_score":0.19674670696258545},{"text":"it's a it's a good time to do it with a growing family, and, also, I mean, any money you put into a house you own is gonna return eventually.","start_word":8636,"end_word":8665,"sentiment":"positive","sentiment_score":0.386104017496109},{"text":"Absolutely. No. Fantastic. Do you have sort of a time frame on when you're hoping to have them completed, or you're just sort of going with the flow? Yeah. I mean, the bar I mean, everything's complete apart from the bathroom. Wow. It would have been great to have it done within the next two weeks, but Yeah. can't make that happen. No. Understandable. No. No. You've done well. Renovating's a lot. It's a very stressful endeavor. I'm trying to do my It backyard is. at the moment. Yeah. Don't worry. The last six months have been, yeah, a bit hectic. Yeah. I bet. I bet. I said to my husband, we'll see if we end up in divorce Yeah. Well, yeah, I don't think I'm far from that, but hopefully not. court by the end of this, runner.","start_word":8666,"end_word":8804,"sentiment":"neutral","sentiment_score":-0.04954787981595925},{"text":"Nice. Well, hopefully, it's all done and looks fantastic for you soon so Of you course. can enjoy it.","start_word":8805,"end_word":8823,"sentiment":"positive","sentiment_score":0.44262945652008057},{"text":"Yeah. All Of good. course. Looking at your other assets, I have your main primary residence to your home. We have an asset value noted currently of 580,000. A good way of looking at that is if you haven't had it valued is if you had to sell that property, what would you wanna get for it? What value is I it reckon to you? nowadays is about 7 low sevens. Yep. Perfect. Yeah. Excellent. And mortgage, we had owing about 250,000. Have you reduced that a little bit even with the interest rate rises? I've no. Mhmm. Kinda hard to say, but I've refinanced. Okay. Perfect. So I owe I believe it's I think it's $3.00 5 now. It's gone Yep. up.","start_word":8824,"end_word":8946,"sentiment":"neutral","sentiment_score":0.036003097891807556},{"text":"Perfect.","start_word":8947,"end_word":8947,"sentiment":"positive","sentiment_score":0.3462260961532593},{"text":"Refiners. And did you have it on variable, or did you get it put on fixed? No. Fixed. Yeah. Fixed. Yeah. Beautiful. And for how many years? Do you remember? I would have taken it again for on the fixed rate. Yeah. Three years fixed. Three years? Beautiful. Yep. And did you do it before the interest rate? Right. I I did. Yeah. I got in Nice. lucky, but I kinda, yeah, I kinda said three years to see if it'll Yeah. fluctuate again, and that way I'm not locked in on a on a high. You know? Yeah. No.","start_word":8948,"end_word":9047,"sentiment":"neutral","sentiment_score":0.007372725196182728},{"text":"Perfect. Excellent.","start_word":9048,"end_word":9049,"sentiment":"positive","sentiment_score":0.4351199269294739},{"text":"And I've got down here your u so your car valued at about 35,000. What sort of value would you put on that at the moment, That do you that think? car is now gone. Okay. Perfect. Yep. Click So on. I just own another car probably, I don't know, $15 now. Okay. The I also had an SUV down. So you do you only have the SUV at the moment, or is that a secondary vehicle you've got? No. I do have I still have two cars. So I've still got Okay. the SUV, Yep. and The U it's gone, but I've now bought a different different car, probably a lower cost car. Yep. Okay. Perfect. What kind of car did you end up getting? CX five. Okay. Perfect. See, Yeah. our masters are good, aren't they?","start_word":9050,"end_word":9187,"sentiment":"neutral","sentiment_score":0.0022010826505720615},{"text":"Oh, they're great, and it's very family like.","start_word":9188,"end_word":9195,"sentiment":"positive","sentiment_score":0.3562941551208496},{"text":"Right? I had to downgrade. So oh, well, Absolutely. it's an upgrade and a downgrade at the Same time. It's a dad car. That's it. That's it. All good. And you would put about 15,000 on the CX five. Yeah. Is that right? Yep. Yeah. Yep. Beautiful. No debt on that vehicle. It's owned outright, is it? I kinda yes. Yes. Yeah. In a way, yes. It's owned outright. Yep. That's okay. It Not doesn't a problem. have a carry of its own loan or anything of such on the vehicle. No. That's right. Did you happen to utilize some of the mortgage to kind of help purchase that? Is that Correct. where you're Yeah. sort of going Correct. with that? Yeah. That's okay. Yeah.","start_word":9196,"end_word":9320,"sentiment":"neutral","sentiment_score":0.04030906409025192},{"text":"Perfect.","start_word":9321,"end_word":9321,"sentiment":"positive","sentiment_score":0.35789141058921814},{"text":"Easy. Not a problem at all. And the SUV, I had a asset value of about 30,000. What sort of value would you put on that, do you think? I reckon it's probably down to maybe 26 now just with the, Yeah. you know, five years old, so it's depreciating. Yeah. Yeah. Perfect. And I had an a loan on that one of 8,000. Have you cleared that one out at all? Or Same scenario. Oh yep. oh, Perfect. within the probably the $3.00 5 now. It was all consolidated. Yeah. Yeah. Perfect. Not an issue at all. And with the SUV, what kind of vehicle is it? Just so I can distinguish it between the vehicles here for you. Mitsubishi Outlander.","start_word":9322,"end_word":9443,"sentiment":"neutral","sentiment_score":0.029339085409387212},{"text":"Beautiful. They are a great car. I do love Oh, a good they are Outlander. awesome. Five years in from new, and it's still just as good as it was when I first got it. Oh, Fantastic.","start_word":9444,"end_word":9480,"sentiment":"positive","sentiment_score":0.544475257396698},{"text":"And both have decent boot sizes, which what is what you want with two kids. plus. Yes. I know. With the extension on the pram and stuff, you gotta think of that. Absolutely. Absolutely. I still remember having to pack three bags just to go anywhere. Yeah. Yeah. That's why the math has become in a play. I was like, Yep. I can't get to sedan. I have to get, you know, you Yep. know, cut SUV type. Yeah. That's okay. You got the cars to make the memories now, and then later down the track, you can have the cool car again. Yeah. Well, bye boys later. Yeah. Absolutely. Absolutely. No. Perfect. Well, that's fantastic. Do you have any other goals that you're sort of hoping to achieve over the next sort of three to five years, or are you just focusing on super and family life? Yeah. Or No. No. Yeah. For sure. Probably in the next couple of I'll give it maybe two years. I I definitely Yep. looking into probably restructuring the house we have now and borrowing more money to buy another one from Yeah. that. Perfect. So yeah. Yep. So probably just an investment property, but we'll live in that one, and then the one we're in now will be the investment. Investment. Yeah. Yeah.","start_word":9481,"end_word":9701,"sentiment":"neutral","sentiment_score":0.06202300637960434},{"text":"Perfect. That sounds fantastic. Excellent.","start_word":9702,"end_word":9706,"sentiment":"positive","sentiment_score":0.44840049743652344},{"text":"Yeah. We're definitely here to help you with that down the track if you do need it. I do also provide advice around cash on budgeting. I can help we can, you know, help you or send you to a mortgage broker if you do need those services. That's all part of, you know, what we do. Mortgage Yes.","start_word":9707,"end_word":9765,"sentiment":"neutral","sentiment_score":0.29643176218210643},{"text":"Yep. broking services are all free for yourself, which is great, and trying to get you the best rate you possible can Ah, on your this loans.","start_word":9766,"end_word":9792,"sentiment":"positive","sentiment_score":0.44429123401641846},{"text":"is here. Of course. But we are here to provide additional advice. We have full licensed advisers there. I will get Maddie to do up the annual review pack shortly for you and send it through. It will have all the information that we've kinda gone through with your certificate of currencies, your investment portfolio, showing you sort of what the returns look like on that and everything we've gone through. It'll Yep. also have your ongoing service agreement attached. So at the moment, you are on the ongoing service agreement rate of 1.1%. That just Yep. continues to the next twelve months.","start_word":9793,"end_word":9895,"sentiment":"neutral","sentiment_score":0.24616394937038424},{"text":"If you're happy to stay on that, that allows us to continue providing advice. Any advice we do provide is completely complimentary as part of that agreement.","start_word":9896,"end_word":9922,"sentiment":"positive","sentiment_score":0.37285926938056946},{"text":"So there's no Yeah. when you came on board originally, you probably paid that up front implementation fee that I won't did. exist in Yeah. any other advice documents ever again, Yep. and you just pay that 1.1% ongoing. But that'll be on the on the email for you through Odoo. It's our Okay. new system for utilizing. So feel Yep. free to have a read through those documents. If you find you have any questions, please let me know. Yes.","start_word":9923,"end_word":10003,"sentiment":"neutral","sentiment_score":0.057331983000040054},{"text":"I Sweet.","start_word":10004,"end_word":10005,"sentiment":"positive","sentiment_score":0.35092490911483765},{"text":"will also get Maddie to add in there the financial services guide, which runs you through everything about who we are, what we do, how we do it. It has all my licensing information as a full licensed adviser. I registered Yep. through ASIC, and my registration number is 1304394. You'll see my photo and all the information on me and my registration details in there so you can get a feel for who I am and get Sweet. to know me as the adviser. Okay?","start_word":10006,"end_word":10091,"sentiment":"neutral","sentiment_score":0.26424577832221985},{"text":"No worries. Easy.","start_word":10092,"end_word":10094,"sentiment":"positive","sentiment_score":0.38648971915245056},{"text":"Do you have any questions for me? I know I ask you everything under the sun, but is there anything you wanted to ask me, or is there anything else you wanted me to touch base on? Or No. That's all pretty straightforward. I I I honestly thought before the call, it'll be pretty straightforward, which it was. Yeah.","start_word":10095,"end_word":10153,"sentiment":"neutral","sentiment_score":0.1343796717918525},{"text":"Same with sign Beautiful. up, so it's always easy. Beautiful.","start_word":10154,"end_word":10163,"sentiment":"positive","sentiment_score":0.5360146760940552},{"text":"Well, I've just been notified that your annual review documents will be hand delivered to you. So I believe they're gonna Oh, be wow. special treatment. Yeah. No.","start_word":10164,"end_word":10191,"sentiment":"neutral","sentiment_score":0.21886585652828217},{"text":"So That's Maddie will awesome. get those organized and bring them around for you Cool.","start_word":10192,"end_word":10206,"sentiment":"positive","sentiment_score":0.46936073899269104},{"text":"to sign and return back. Okay? If you find there's Alright. any questions or anything we've missed, let me know.","start_word":10207,"end_word":10226,"sentiment":"neutral","sentiment_score":0.0944811999797821},{"text":"Always happy to make time to chat to you. And I know you are Awesome.","start_word":10227,"end_word":10241,"sentiment":"positive","sentiment_score":0.5217539668083191},{"text":"finished work for the afternoon, so, hopefully, you get to go home and put your feet up and rest for a bit. Yeah. You know, with kids and a wife, it doesn't work It's like that. I'm hot. at our care Oh, now. wow. So yeah. Yeah. A bit of flat We pack don't furniture stop. to pick up. Yeah. Yeah. We don't stop. Oh, beautiful.","start_word":10242,"end_word":10307,"sentiment":"neutral","sentiment_score":0.01929624192416668},{"text":"Thank you so much for your time today, Tyler. It's been a pleasure to get to know you.","start_word":10308,"end_word":10325,"sentiment":"positive","sentiment_score":0.5543844103813171},{"text":"Can't You too. wait to do this advice for you and get to know you a bit further, and I'll let you go so you can enjoy your afternoon a bit more. Okay?","start_word":10326,"end_word":10358,"sentiment":"neutral","sentiment_score":0.23357301950454712},{"text":"Easy done. Thanks so much. My pleasure. Thanks for your time.","start_word":10359,"end_word":10369,"sentiment":"positive","sentiment_score":0.47328710556030273},{"text":"See you later. Alright. See you. Bye bye. Bye. Bye.","start_word":10370,"end_word":10379,"sentiment":"neutral","sentiment_score":0.15828795731067655}],"average":{"sentiment":"neutral","sentiment_score":0.08560109775006733}}}}