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Is now still a good time there for you? Oh, fantastic. Catherine, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Okay. I'll just check if I that's okay. I'll have a quick look for you. What's the new address address should be? No. I don't have that one updated here, but that's okay. I can update that for you. That's alright. What's your old address I should have on file? Beautiful. Thank you so much for that. Fantastic. Catherine, I have sent you through some annual review docs to sort of have a chat about when we're going through this. Do you happen to have access to your emails at the moment? If you don't, that's honestly okay. That's fine. If you can't do it, not a problem. Just have a look at them later on. In the meantime, I can go through, obviously, give you a bit of an update on your sofa. Is there anything specific you question wise that you had for us today as well that you wanted me to sort of touch on as part of your annual review? No. That's okay. Yeah. Mhmm. Yes. I can oh, yeah. It does depend on the policy. If you like, what I can do is I can go back and double check what the rules are in relation to the policy, in relation to it coming back or, you know, a the condition, you know, if the breast cancer coming back and having a secondary claim on that one for you. It just the every policy is completely different, so I'll go back and I'll have a look at the product disclosure statement. I can also check with the claims team on what the the rules are in relation to that policy. If you're comfortable, I can send you an email after the call just following that one up for you. Is that okay? Yeah. Fantastic. It's a really good question. Something to certainly look at. I also just wanted to touch base to see how everything was going because last year, when we touched base, you were still on the income protection claim and still sort of going through everything. How is everything for you this year? How have you been going recently? Yep. Yep. Yep. Yes. Yeah. Of course. I can definitely see those contributions going into your super now. So it does look like you are back at work a little bit. Last year when we caught up, you were hoping to sort of go back about two days per week. Are you still managing that, or is it not quite is it different every week? Once every fortnight. I'm so sorry that you're back. It's good that you're getting back there a little bit, but I'm very sorry that it is minimal at the moment. How are you going treatment wise? Yep. Oh, I'm so sorry. Are they are they are they sort of saying that that should get a little bit easier as time goes on? There should be some relief from that, or is this something that's, you know, gonna be ongoing for you? Oh, I'm sorry. Yeah. No. That's a shame. Oh, it's yeah. Oh, I mean, it's it's enough that you've gone through what you've gone through, but then to have, you know, ongoing management and ongoing pain and to have this experience, you know, ongoing for you must be really tough. So I'm very sorry that you're going through this. Are you hoping or trying to sort of get back to work a little bit more down the track, or do you think this is, you know, what you'll be doing ongoing for the foreseeable future? Okay. Yep. Yeah. Okay. Beautiful. Well, take it as it comes, and, hopefully, you get a bit of downtime and a bit of rest. I know you do also have two kids there as well. How's that it must be really tough. You you have two small children to, you know, help out with, but how's everything? Oh, that's that's good. That's good. And do you have a fairly good support system around you for sort of going through it and help with childcare? Oh, that is good. Oh, that is really good. Fantastic. Well, I'm glad. I'm just sort of making some notes to let you know update your file here. So you're back sort of one day per fortnight at the moment. Is that right? Yeah. That's okay. And averaging income wise, what are you expecting to sort of be able to earn this year, do you think? Just from employment. Sorry. If you're not sure, that's okay. Okay. Yep. Then you that's okay. And then the claim proceeds on top of that to top you up. Yep. Beautiful. Are you getting anything from Centrelink, like, in the way, a family tax benefit or parenting payment or anything to kinda help supplement any of that? Nope. Okay. Okay. Just update those for you. And excellent. I can see contributions are definitely going in. Are you finding that you are managing to sort of put money away or save at the moment, or is everything kinda going towards your expenditure? Yep. Yep. If you had to quantify that, what do you think you'd sort of say you're putting away? Okay. That's really good. Yeah. Starting off small can make a big difference. So they've having those small habits put into place, and then as the financial system, you know, situation gets a little bit better, you'd be able to sort of increase that hopefully down the track. Yeah. Excellent. The other things to sort of touch base on, of income side of things. So how much are you managing to obtain or how much is the income protection claim currently paying you on a monthly basis at the moment? Are you receiving the full benefit, or is it only a partial amount? Yep. Did you know yep. That's okay. How much are they paying you at the moment on a monthly basis? Mhmm. $7,800 per month. Yes. No. That's okay. Yeah. They'll be asking for income statements every or payslips every couple of months to sort of go through and have that updated and readjusted for you, I assume? Yep. All good. Looking at your your assets and liabilities here, we had your main primary residence noted down. Ref valuation last year was about 1,100,000. What sort of value would you put on that property now, do you think? That's You have. You do sell the old property and buy a new house. Is that what's happened? Yep. Okay. So with the new house, what's the value would you put on that one? Two million? Yep. Lovely. No. That's okay. That's absolutely fine. What is the percentage of ownership here, though? What would be your percentage of ownership do you think? A quarter? Ownership. Excellent. Thank you for that. And mortgage on the property or mortgage that you're liable for, how much is owing on the property, if anything? Nothing owed on the property? It's yep. Okay. Beautiful. Beautiful. We also had down here your vehicles. Now you did have a Mazda six. Do you still have that vehicle? Yep. Beautiful. And we have that valued at about 15,000 last year. Do you yeah. What the value would you put on it? About 12,000? Excellent. That's okay. And then we also had here there was another vehicle, a Mazda three two three. Do you still have that one as well? Mhmm. And no. That's okay. We had about 4,000 last year. What sort of value would you put on it now? About 3,000. Yep. Fantastic. Both those vehicles are owned fully debt free there as well. And we had a credit card down here with a limit of 6,000. Do you still have that credit card? Yep. And the limit hasn't changed. That's the same limit? Fantastic. And then I've also got your contents. Our rough valuation of total contents about 25,000. Would you keep that about the same or increase or decrease? Yep. That's okay. Thank you for updating those. Is there any other new assets or liabilities or anything else of value you wanna note down that you've probably had updated or changed in the last twelve months? Nope. That's okay. Thank you for that. No. All good. One of your goals I had here last year was that you were trying to sell your house and move in with your partner. So the newer property that you're living in, is that with your partner? Yep. Beautiful. I'll just remove that one. That goal is completed. With regard to your super, we were looking at a goal of trying to access super and fully retire around about the age of 60. I know with your health, there's a lot of unknowns at the moment, but down the track, are we still with regard to super tracking for that goal? Is that what you're after super wise at the moment? It is. Yeah. Unfortunately, be good if they'd make it lower. Yep. That's yep. That's okay. And we have down here that you're we're hoping to sort of live on income of about $1,000 a week from your super. Is that still your goal for your super side of things income wise? Yep. That's okay. Just so I can sort of project forward and track things out when we update advice for you. Absolutely fine. I also had down here everything else looks like it's pretty well covered. It was more just the other goals around, yeah, sustainability around your health. So making sure that you can focus on financial stability whilst being on an income protection claim. We talked about last year re yes. Sorry. You go. Yeah. Sure. Yes. At the moment, I would have to go back and do a little bit of an update. At the moment, based on your current age, it looks like we might be you can realistically draw that income, but it won't last as long as what you'd expect it to be. I can I would like to maybe go back and review your portfolio, update the advice, look at what you're spending, and see what you're on track for? When you kind of look at retirement, realistically, the income that you need to live on is the income that you need to live on. So when you get to 60 and start working and need to draw income, if you need to live on a thousand dollars a week, that's what you can draw out regardless of what your balance is. It's just a matter of depending on how you're invested, the rate of return that your super is obtaining, and how much you're drawing out as to whether you get longevity or how long your super lasts. So, normally, we'd be sort of trying to track to make super last roughly around about to a life expectancy or into our nineties depending on sort of what we're hoping to achieve with regard to it. But I do wanna sort of have a look at your super look at the investments there. I know a few months back in about March, we had sent out a record of advice and made an update to your super fund. Do you remember receiving that email? It was a change of investments. Yes. So the investment can so the investment committee noticed that one of the investments in your portfolio have been underperforming there. So you'd originally had the Better Long Australian Equities investments. That recorded advice was sent out to say that we'd notify or we'd been, you know, reviewed that investment. It had been underperforming, and we wanted to remove that from your portfolio. So we actually replaced that with the BetaShares Australia two hundred. It is a lower cost investment. It actually gives you greater diversification to help to lower the risk level of your portfolio, but it also has been performing much greater over the past twelve months. So they swapped those two investments out for you or swapped those investments around. Looking at the performance of your super over the last twelve months, so when we have a look back to last year, your balance is about a 176,990, and your balance now up to a $183,002.69. When I sort of confirm that against the average balance of someone your age so for someone of your age and a female, the average balance is about 107,000. So your balance is higher than the average person's of your same age and stage, which is good. That's what we want, but we want that to continue growing. So I would like to just go back, reevaluate the investments, maybe see if there's other swaps we need to maybe make there to make there to keep you on track, look at what we're projecting forward for. Because having a look at things, so you're as of September this year, you're about 48. Is that right? Yeah. So I would like to go back to have a bit of a look at what we're tracking for. I know with you not working as much as much as you were, obviously, your contributions are gonna be lower going into the fund. With you saving, the kind of reason I ask about, looking at, your expendable income and what you're saving is are you open to or are you in a position to maybe look at making additional contributions into super if that's gonna provide benefit and give your super longevity, allowing you to draw that thousand dollars per week for longer. Is that something you're open to at the moment, or are you not really in a position to do that currently? How do you feel about it? Yeah. What would be your comfort level? Is there an amount you'd be comfortable starting with and then kind of building on that over time? 50 per month? Yeah. Yeah. Absolutely. So what I'll go through is I'll go back and have a look at the investments, have a look at the way your super is structured, look at what your, you know, the fees are for your investments, look at the overall projected outcome based on your current super and investment structure. I can review that with some other investment swaps and changes to make sure that you're in a portfolio that is as lower cost as possible, that you're getting the best possible returns based on past performance, and look at projecting that out to the age of 60 for you to kinda give you a limited overview of what we're expecting based on your current scenario and the changes to sort of see whether we update the advice and make some changes. Does that sound okay to you, Catherine? Yeah. Yep. Beautiful. Yeah. Takes takes about four weeks for me to complete the research properly to make sure I'm looking at everything. So I can rebook you in for another four weeks if you're comfortable to do so, or if you prefer, my team can just let you know when the advice is ready. Do are you comfortable with me just making a time in four weeks, or what does your schedule look like? Yep. Beautiful. Yep. Beautiful. Excellent. Before we end the call today, I'll make sure I go back and book that appointment for you, and we'll go back and just review everything. Because this portfolio is much older, and while we have made that one change to the Australian equities, there might be other changes that we can make. It's important It's important to continuously update the portfolio as time goes on and make changes to your circumstances affect your super, especially with, you know, reduction in contributions and things like that. So it is really important to keep updating things. And I can also add, like, a limited scoping to show you what the retirement projection looks like at the age of 60 for you based on the recommendations we're making to sort of show you where we're tracking for where we're heading. Does that sound okay? Yep. Do you have any questions about that? You're welcome to ask me to break something something down or if you had further questions there, Catherine. Yeah. When you can see them. Yeah. Yep. Yes. That's absolutely fine. It's not a problem at all. Excellent. When we look at the overall performance, markets have been a little bit up and down this year with everything that's been going on globally. The net after after fees performance you've received in your super is 4.65%. So at the moment, you are in that growth kind of environment, which generally sees about 80% in those higher risk investments like international and Australian shares, listed property and commodities. This sort of portfolio, we are looking to track and try and obtain about a seven to 9% on an annual basis. So this year with the ups and downs the market has seen, the performance is a little bit lower. It is underperforming based on what we would sort of like to see out of the portfolio, but it's also an understanding and expectation that markets do react differently, that we do have years of really great performances and years of not so good performances. So, it's understandable with everything that's been going on globally and with the ups and downs the market has seen that the performance is a little bit lower. But I am happy to see that you've got a positive result after the last twelve months there as well. And it does mean your super has continued to grow even with what's been happening in the markets as well. Okay. Excellent. In the email, when you are able to look at that, you do have a copy of all these documents. So I know it's a lot of numbers to go through and a lot for me to sort of put out there. When you do sort of look at the email, if you have additional questions, you can reply back or let us know, and we can answer those for you. But we have got a copy of all those documents attached for you. Okay? Excellent. I also just wanted to touch on the estate planning side of things. So last year when we caught up, you had sorry. There was you didn't have a will or power of attorney in place. It was on the list of things to get sorted. I know you've had a lot to deal with and to do. Have you had more of a conversation around speaking to a solicitor, having a will and power of attorney set up, or anything like that? No. That's okay. It's all okay. We do have options where we can refer you to a solicitor for the drawing up of a will. Did you want me to maybe send you a little bit of a general information email around different ways to access a solicitor, some, you know, costs involved in setting up of a will? Yep. Beautiful. I can do that. Yep. That's okay. I don't specifically email in relation to the like, recommending a certain solicitor in your area, but I can give you some general overview of one that we have access to, obviously, in Queensland here that gives you just not so much their details, but more of a costing of how much they charge to draft up a will and power of attorney to give you a bit of an idea. But all of the local all of the states do have access to, like, state trustees who can put you in touch with a solicitor either in your area or within your state. And I can show you or write down this, you know, how to access that, the general costing around that sort of service and what that looks like for you. Is that okay? Yep. Beautiful. I just am very cautious about recommending, certain solicitors because I don't know what they're like. And this is obviously a state planning, so it's your will power of attorneys. They're very sensitive conversations to have. So I don't wanna sort of send you to a local solicitor if they're not correct for you. But I do know that all of the the states do have, like, a a state trustee, and they can put you in touch with a solicitor in your area, or they are just a government service that do wills and power of attorneys very easily, either either on the phone, via Teams, or in person. And they're much more of a cost effective way to have a very simple will and power of attorney set up for you as well if that's easier. Okay. Yep. Beautiful. With regard to your super, just double checking the beneficiaries. Now I have 50% each to Victor and Vivian. Is that how you want those structured? Yep. Beautiful. And just confirming, Victor and Vivian, what relationship are they to you? Okay. Beautiful. So 50% to each of your children. Lovely. Fantastic. And with your life insurance there as well, you would like that to be exactly the same way, a 50% paid to each of your children in the event of passing. Yep. Lovely. With the insurances you have at the moment, so you've got your life and TBD paid for at from your super funds. The current sum insured for your life cover is showing 699,116. With the life insurance, if you were to have, say, passed away today, your life insurance cover is paid out at the sum insured of 699,116, but then your super benefit is also paid out on top of that. So it does essentially provide a benefit amount of just adding these together for you really quickly. $2.06 9. Out of that, 882,269. Do you feel like that's an appropriate level of cover? Yep. A 100 and 83,000 for your super benefit. Yeah. No. So your life your life cover's the 699,000, and your suit yeah. Your super benefit's $1.83. Sorry. Yes. That's okay. What would you sort of want to have paid out? What would you how would you want that money distributed? Is it just distributed 50% to each of your children for them to sort of, you know, yep, be covered and looked after and put through school and everything? Yep. Yep. Beautiful. Excellent. With the total permanent disability side of things, you have the same level of cover. So the 699,116 that you're insured for. And, again, if you were TV'd or never able to go back to work again, then we can also claim against your super and have that released under permanent incapacity. So it does give you the same level of cover as a sum insured. I'm not sure if it kind of went through last year or not, but I do like to clarify. If for any reason that because you're under 60, you claimed on that amount and the super benefit and your your PPD insurance was fully paid out to you as a lump sum, that is actually a tax payment, and the tax on that is up to 22%. So just based on this at the moment, so we'll just say $8.83 oh, $8.82. So based on the current sum insured of the TBD plus your super benefit, if that was taxed at 22%, it means that you would lose about a $194,099 to taxation. Yeah. It's correct. That is a worst case scenario as well. So, realistically, if you were unable to ever go back to work again and you claimed on TBD, we as advisers would help you with the claim, but then we would also provide advice on how how best to minimize the tax. Obviously, the TBD payout needs to survive and last as long as you do. So it's not so much of a a one or two or three year payment. It's about keeping that money lasting through your retirement as long as possible as well. So we would also provide financial advice on how best to structure the funds, how to draw the funds down so you could live and cover your expenditure as well as keeping it invested for as long as possible as well. Okay? Yeah. With the taxation, I do have to explain it is the highest amount. So it the tax is up to 22%. It's just something that not not a lot of people know, and previously, I've had clients come in saying they've claimed TCD, and they, you know, they lost a good one or two hundred thousand dollars on the payment, and that's because they took it all as a lump sum. There are ways to minimize the tax, and there's actually a fund math equation that the the super fund and the they all do to kinda work out the taxes up to 22%. So the taxation could be a little bit less, but it just comes down to, you know, essentially your age and stage and how much you're claiming and when you are claiming. If you were to be over the age of 60 in claiming TPD, then there's no taxation on that. That is fully tax free. Yes. That's okay. That is a lot. I get that. Do you have any questions in relation to what I've just gone through for you? No. That's okay. Are you fairly happy with the level of TBD you have at the moment? Yeah. That's okay. That's alright. When you're looking at the documents no. It was it's an individual choice. Not everyone does. I've got clients who only wanna cover, you know, their debts, their mortgages. You technically don't have a mortgage on your property, so, you know, that's, you know, something that you don't have to realistically worry about. Other clients want to cover themselves from, you know, their current income from the age of 25 to 65. Other clients just want a couple of years of income replacement, and some people just find that there's a certain amount of cover they're comfortable having. So admittedly, TBD, whilst you are on an income protection claim, is very difficult to increase. So they would exclude any preexisting conditions that you have gone through. So the fact that you with the breast cancer, they would, you know, exclude that probably or or any symptoms of. But in saying that, it's gotta also cover what you wanted to cover. If you were to as much as you're 48, you're only 48 this year. So 47 now, 48 this year, you still have a lot of life to live, and TPD does have to provide as long as possible or cover for as long as possible. Because while some people do claim TPD and then within two, three, or four years can find another job to go back to, Other people do claim TPD and can never ever go back to work again. They are fully disabled, and that amount of money has to suffice and and give them enough living expenses for as long as possible for them and their families. So it's a very the goal for what level of cover is important to you is different for everybody. And if you found that wasn't enough to you, you're welcome to let me know. I will go out there, look at, obviously, what is available to you, look at the costing of that, how we structure it, and update the recommendations to try and reflect. If we were to go out there and find that we weren't able to increase or weren't able to get anything different, that is a conversation we would have to come back and have. But it's it's gotta be about what's important to you as well, the level of cover that's right for you and your goals. Okay? Oh, good. Sorry. It's a lot of information. Let me know if any questions do happen to come up, Catherine. Easy. You've got your income protection policy there. You're on that claim at the moment, and that's being paid out of pocket. You still have your trauma policy, which has been reinstated as well. The current trauma amount is 187,030, and currently, the out of well, I know the income protection, you're not currently paying for that because you're on claim at the moment. But the certificate of the currency shows the expected out of pocket cost is $261.57 per month. Because you're on an income protection claim, they shouldn't be you normally don't pay the income protection amount. So that amount you're currently paying out of pocket, that would be less. Have you had a look at your bank statements and how much the insurer is deducting on a monthly basis out of pocket for your insurances? Do you know how much, nearest are deducting from your bank account on a monthly basis for your current insurance policies out of pocket? Yes. That's okay. Yeah. Absolutely. Beautiful. Yep. Yes. That's correct. Yeah. Beautiful. So the documentation you'll have in your annual review packet notes the monthly premium is $2.61 57. That is just based on the specific of currency that we have, but you are paying less because whilst you're on an income protection claim, they don't get you to pay the premiums. The premiums are always frozen whilst you're on a claim. So that's why there'll be a difference between what you see in your annual review pack or the certificate of currency versus what's actually coming out of your bank account at the moment. Okay? It'll start again. Yeah. It will start again. Yeah. Yep. And you've got a five year benefit, so you should have about roughly three years left of the income policy. Is that right? Yep. Yep. Beautiful. Excellent. Well, hopefully, things get a little bit better for you and you you know, the pain eases. I do hope that you can get back to work a few more days. Yeah. It is I have gone through a lot for you. Are there any questions that might be coming out of anything at all at the moment? No. That's okay. I am sorry. It's a lot of information. Yep. Yeah. Absolutely. Not a problem. Let's make that for you now. So it takes about four weeks for me to complete the research properly for you. So July 29, that brings us to the August 26. One, two, three, four. Yeah. August 26. Yeah. Did you prefer a Wednesday? What day is generally best for yourself? A Tuesday? Absolutely. And is it morning or afternoon that normally suits you better for the call? Morning? That's okay. Did you want sort of first thing in the morning, nine or 10:00? Or 10:00? Beautiful. There we go. It is. There we go. It is the twenty fifth. Yeah. The year is going by very fast. Beautiful. So what I'll do is I've just looked in my calendar. I'll add your email to the invite so it pops up with an email invitation for you to see because it is a couple of weeks away there. And if you find at any point that that changes or something comes up and you, you know, need a different time, just feel free to let me know, and we can reschedule it to a more suitable time for you. But at the moment, that is all locked in there for you for 10AM on the August 25 there. Okay? Lovely. That's okay. Now just to kind of recap, what I'm gonna be researching is looking at your suit for the current structure, the investments within. I'll factor in the employer contributions that you have going in there based on the previous income of about 12,000 per annum. I'll also sort of compare that with what's going into your sleep on a regular basis to make sure that adds up there for you. I will project out and look at additional contributions you were comfortable with $50 on a monthly basis to begin with. Does that sound accurate? Have I missed anything there at all? No? Fantastic. I will also just retain insurances exactly as they are for the moment. If you like, as part of that recap email, I can just note down your current insurance policy with a little bit of detail around life, TPD, and income and income protection and trauma for you just to kind of reiterate. And then if you do find you have additional questions, you can let me know, and I'll send through some details on solicitors and, like, the the different information around the wills and power of attorneys for you, some general information. Does that sound okay? Yep. Fantastic. Everything else looks pretty good. Do you have any other goals, whether it be long term, medium term that you're looking to sort of achieve or in the next, you know, one, two, three, five, or ten years? No. That's okay. That's absolutely fine. That's okay. We'll just focus on super for the moment. If anything does change or come up, please let us know. You're still technically a pharmacist, and you're still going back to work for Wizard Pharmacy. Has any of that changed? Nope. That's okay. Fantastic. Fantastic. Other than that, I've got you booked in on the twenty fifth, so I'll go back and do a little bit of research around the super side of things. If any questions do pop up, please let me know. I'll send you the email, and you can always email me back if you do happen happen to have any additional questions. In the and the review pack, we have, as I mentioned, a copy of all the documents that I have gone through today explaining everything I've run through. It does also have your ongoing service agreement. So, for us to look after your super, monitor everything, and keep providing advice working towards your goals, we do charge an ongoing service fee. It is 1.65% per annum, and it is deducted in smaller monthly increments out of your super. So we wanna make sure your super is building and getting that 1.65% and then additional growth on top of that as well. So if you're happy to stay Yes. Mhmm. Mhmm. Our fees are normally 1.65% on a regular basis. I don't have any notes here to say that that was reduced or should be lower as an ongoing basis. Okay. Would it have been maybe 1.10%? Yep. Yep. That's okay. I can seek approval to see if they're willing to see if our head of advice is willing to adjust the fees for that for the year for you if you like. But as your balance increases, there's a lot more work around it, and updating the advice on a regular basis does mean that we do have to charge your ongoing service fee. And as advisers, we are professional service as well. So we do normally charge 1.1 oh, sorry. 1.65%. I can go back to our head of advice and put your case forward and see if they're willing to adjust to 1.10 for the next year for you. Yep. Beautiful. That's okay. Not a problem at all. I'll let you know what the outcome is. If they agree to that, then a new ongoing service agreement will be sent out to you to sign and return back. If they don't, I'll come back and let you know. I would have to ask the question and seek approval from a head of advice in relation to that for you. Excellent. Happy to go back and do it. Not a problem at all, Catherine. We also do have our tax file consent form attached there. So we do hold your tax phone number. It is sensitive information. We are very security conscious. That's why whenever you call us or we call you, we do security. Just making sure that all the information we hold that is tax phone number, and we just get you to sign and return that back just confirming that you are aware of that. Okay. Okay. Beautiful. I'll do a little recap email for you shortly so you've got all the information I've gone through and some estate planning details there. And if you find you have questions, let me know. Okay? That's okay. Is there any questions that might have popped up at the end of the call at all? Or nope. That's okay. Do you have any plans for the rest of the day? Are you relaxing? Or yes. Yes. Well all good. Well, I was taking up enough of your time now. I really appreciate your time today. I do apologize. I know it is a lot to go through, so I'll send the recap email. And if there's any questions that come up, don't ever hesitate to give me a buzz. I'll go back and ask about the ongoing service fee and seek approval there for you. And I hope you have a really good day. Thank you for your time, Catherine. I'll talk to you soon. Thank you. 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Catherine. This is Zaina from Oakview Financial. How are you this morning? That's good. I had you booked in to go through a bit of an annual review today.\n\nIs now still a good time there for you? Oh, fantastic. Catherine, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic.\n\nAnd just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Okay. I'll just check if I that's okay. I'll have a quick look for you.\n\nWhat's the new address address should be? No. I don't have that one updated here, but that's okay. I can update that for you. That's alright.\n\nWhat's your old address I should have on file? Beautiful. Thank you so much for that. Fantastic. Catherine, I have sent you through some annual review docs to sort of have a chat about when we're going through this.\n\nDo you happen to have access to your emails at the moment? If you don't, that's honestly okay. That's fine. If you can't do it, not a problem. Just have a look at them later on.\n\nIn the meantime, I can go through, obviously, give you a bit of an update on your sofa. Is there anything specific you question wise that you had for us today as well that you wanted me to sort of touch on as part of your annual review? No. That's okay. Yeah.\n\nMhmm. Yes. I can oh, yeah. It does depend on the policy. If you like, what I can do is I can go back and double check what the rules are in relation to the policy, in relation to it coming back or, you know, a the condition, you know, if the breast cancer coming back and having a secondary claim on that one for you.\n\nIt just the every policy is completely different, so I'll go back and I'll have a look at the product disclosure statement. I can also check with the claims team on what the the rules are in relation to that policy. If you're comfortable, I can send you an email after the call just following that one up for you. Is that okay? Yeah.\n\nFantastic. It's a really good question. Something to certainly look at. I also just wanted to touch base to see how everything was going because last year, when we touched base, you were still on the income protection claim and still sort of going through everything. How is everything for you this year?\n\nHow have you been going recently? Yep. Yep. Yep. Yes.\n\nYeah. Of course. I can definitely see those contributions going into your super now. So it does look like you are back at work a little bit. Last year when we caught up, you were hoping to sort of go back about two days per week.\n\nAre you still managing that, or is it not quite is it different every week? Once every fortnight. I'm so sorry that you're back. It's good that you're getting back there a little bit, but I'm very sorry that it is minimal at the moment. How are you going treatment wise?\n\nYep. Oh, I'm so sorry. Are they are they are they sort of saying that that should get a little bit easier as time goes on? There should be some relief from that, or is this something that's, you know, gonna be ongoing for you? Oh, I'm sorry.\n\nYeah. No. That's a shame. Oh, it's yeah. Oh, I mean, it's it's enough that you've gone through what you've gone through, but then to have, you know, ongoing management and ongoing pain and to have this experience, you know, ongoing for you must be really tough.\n\nSo I'm very sorry that you're going through this. Are you hoping or trying to sort of get back to work a little bit more down the track, or do you think this is, you know, what you'll be doing ongoing for the foreseeable future? Okay. Yep. Yeah.\n\nOkay. Beautiful. Well, take it as it comes, and, hopefully, you get a bit of downtime and a bit of rest. I know you do also have two kids there as well. How's that it must be really tough.\n\nYou you have two small children to, you know, help out with, but how's everything? Oh, that's that's good. That's good. And do you have a fairly good support system around you for sort of going through it and help with childcare? Oh, that is good.\n\nOh, that is really good. Fantastic. Well, I'm glad. I'm just sort of making some notes to let you know update your file here. So you're back sort of one day per fortnight at the moment.\n\nIs that right? Yeah. That's okay. And averaging income wise, what are you expecting to sort of be able to earn this year, do you think? Just from employment.\n\nSorry. If you're not sure, that's okay. Okay. Yep. Then you that's okay.\n\nAnd then the claim proceeds on top of that to top you up. Yep. Beautiful. Are you getting anything from Centrelink, like, in the way, a family tax benefit or parenting payment or anything to kinda help supplement any of that? Nope.\n\nOkay. Okay. Just update those for you. And excellent. I can see contributions are definitely going in.\n\nAre you finding that you are managing to sort of put money away or save at the moment, or is everything kinda going towards your expenditure? Yep. Yep. If you had to quantify that, what do you think you'd sort of say you're putting away? Okay.\n\nThat's really good. Yeah. Starting off small can make a big difference. So they've having those small habits put into place, and then as the financial system, you know, situation gets a little bit better, you'd be able to sort of increase that hopefully down the track. Yeah.\n\nExcellent. The other things to sort of touch base on, of income side of things. So how much are you managing to obtain or how much is the income protection claim currently paying you on a monthly basis at the moment? Are you receiving the full benefit, or is it only a partial amount? Yep.\n\nDid you know yep. That's okay. How much are they paying you at the moment on a monthly basis? Mhmm. $7,800 per month.\n\nYes. No. That's okay. Yeah. They'll be asking for income statements every or payslips every couple of months to sort of go through and have that updated and readjusted for you, I assume?\n\nYep. All good. Looking at your your assets and liabilities here, we had your main primary residence noted down. Ref valuation last year was about 1,100,000. What sort of value would you put on that property now, do you think?\n\nThat's You have. You do sell the old property and buy a new house. Is that what's happened? Yep. Okay.\n\nSo with the new house, what's the value would you put on that one? Two million? Yep. Lovely. No.\n\nThat's okay. That's absolutely fine. What is the percentage of ownership here, though? What would be your percentage of ownership do you think? A quarter?\n\nOwnership. Excellent. Thank you for that. And mortgage on the property or mortgage that you're liable for, how much is owing on the property, if anything? Nothing owed on the property?\n\nIt's yep. Okay. Beautiful. Beautiful. We also had down here your vehicles.\n\nNow you did have a Mazda six. Do you still have that vehicle? Yep. Beautiful. And we have that valued at about 15,000 last year.\n\nDo you yeah. What the value would you put on it? About 12,000? Excellent. That's okay.\n\nAnd then we also had here there was another vehicle, a Mazda three two three. Do you still have that one as well? Mhmm. And no. That's okay.\n\nWe had about 4,000 last year. What sort of value would you put on it now? About 3,000. Yep. Fantastic.\n\nBoth those vehicles are owned fully debt free there as well. And we had a credit card down here with a limit of 6,000. Do you still have that credit card? Yep. And the limit hasn't changed.\n\nThat's the same limit? Fantastic. And then I've also got your contents. Our rough valuation of total contents about 25,000. Would you keep that about the same or increase or decrease?\n\nYep. That's okay. Thank you for updating those. Is there any other new assets or liabilities or anything else of value you wanna note down that you've probably had updated or changed in the last twelve months? Nope.\n\nThat's okay. Thank you for that. No. All good. One of your goals I had here last year was that you were trying to sell your house and move in with your partner.\n\nSo the newer property that you're living in, is that with your partner? Yep. Beautiful. I'll just remove that one. That goal is completed.\n\nWith regard to your super, we were looking at a goal of trying to access super and fully retire around about the age of 60. I know with your health, there's a lot of unknowns at the moment, but down the track, are we still with regard to super tracking for that goal? Is that what you're after super wise at the moment? It is. Yeah.\n\nUnfortunately, be good if they'd make it lower. Yep. That's yep. That's okay. And we have down here that you're we're hoping to sort of live on income of about $1,000 a week from your super.\n\nIs that still your goal for your super side of things income wise? Yep. That's okay. Just so I can sort of project forward and track things out when we update advice for you. Absolutely fine.\n\nI also had down here everything else looks like it's pretty well covered. It was more just the other goals around, yeah, sustainability around your health. So making sure that you can focus on financial stability whilst being on an income protection claim. We talked about last year re yes. Sorry.\n\nYou go. Yeah. Sure. Yes. At the moment, I would have to go back and do a little bit of an update.\n\nAt the moment, based on your current age, it looks like we might be you can realistically draw that income, but it won't last as long as what you'd expect it to be. I can I would like to maybe go back and review your portfolio, update the advice, look at what you're spending, and see what you're on track for? When you kind of look at retirement, realistically, the income that you need to live on is the income that you need to live on. So when you get to 60 and start working and need to draw income, if you need to live on a thousand dollars a week, that's what you can draw out regardless of what your balance is. It's just a matter of depending on how you're invested, the rate of return that your super is obtaining, and how much you're drawing out as to whether you get longevity or how long your super lasts.\n\nSo, normally, we'd be sort of trying to track to make super last roughly around about to a life expectancy or into our nineties depending on sort of what we're hoping to achieve with regard to it. But I do wanna sort of have a look at your super look at the investments there. I know a few months back in about March, we had sent out a record of advice and made an update to your super fund. Do you remember receiving that email? It was a change of investments.\n\nYes. So the investment can so the investment committee noticed that one of the investments in your portfolio have been underperforming there. So you'd originally had the Better Long Australian Equities investments. That recorded advice was sent out to say that we'd notify or we'd been, you know, reviewed that investment. It had been underperforming, and we wanted to remove that from your portfolio.\n\nSo we actually replaced that with the BetaShares Australia two hundred. It is a lower cost investment. It actually gives you greater diversification to help to lower the risk level of your portfolio, but it also has been performing much greater over the past twelve months. So they swapped those two investments out for you or swapped those investments around. Looking at the performance of your super over the last twelve months, so when we have a look back to last year, your balance is about a 176,990, and your balance now up to a $183,002.69.\n\nWhen I sort of confirm that against the average balance of someone your age so for someone of your age and a female, the average balance is about 107,000. So your balance is higher than the average person's of your same age and stage, which is good. That's what we want, but we want that to continue growing. So I would like to just go back, reevaluate the investments, maybe see if there's other swaps we need to maybe make there to make there to keep you on track, look at what we're projecting forward for. Because having a look at things, so you're as of September this year, you're about 48.\n\nIs that right? Yeah. So I would like to go back to have a bit of a look at what we're tracking for. I know with you not working as much as much as you were, obviously, your contributions are gonna be lower going into the fund. With you saving, the kind of reason I ask about, looking at, your expendable income and what you're saving is are you open to or are you in a position to maybe look at making additional contributions into super if that's gonna provide benefit and give your super longevity, allowing you to draw that thousand dollars per week for longer.\n\nIs that something you're open to at the moment, or are you not really in a position to do that currently? How do you feel about it? Yeah. What would be your comfort level? Is there an amount you'd be comfortable starting with and then kind of building on that over time?\n\n50 per month? Yeah. Yeah. Absolutely. So what I'll go through is I'll go back and have a look at the investments, have a look at the way your super is structured, look at what your, you know, the fees are for your investments, look at the overall projected outcome based on your current super and investment structure.\n\nI can review that with some other investment swaps and changes to make sure that you're in a portfolio that is as lower cost as possible, that you're getting the best possible returns based on past performance, and look at projecting that out to the age of 60 for you to kinda give you a limited overview of what we're expecting based on your current scenario and the changes to sort of see whether we update the advice and make some changes. Does that sound okay to you, Catherine? Yeah. Yep. Beautiful.\n\nYeah. Takes takes about four weeks for me to complete the research properly to make sure I'm looking at everything. So I can rebook you in for another four weeks if you're comfortable to do so, or if you prefer, my team can just let you know when the advice is ready. Do are you comfortable with me just making a time in four weeks, or what does your schedule look like? Yep.\n\nBeautiful. Yep. Beautiful. Excellent. Before we end the call today, I'll make sure I go back and book that appointment for you, and we'll go back and just review everything.\n\nBecause this portfolio is much older, and while we have made that one change to the Australian equities, there might be other changes that we can make. It's important It's important to continuously update the portfolio as time goes on and make changes to your circumstances affect your super, especially with, you know, reduction in contributions and things like that. So it is really important to keep updating things. And I can also add, like, a limited scoping to show you what the retirement projection looks like at the age of 60 for you based on the recommendations we're making to sort of show you where we're tracking for where we're heading. Does that sound okay?\n\nYep. Do you have any questions about that? You're welcome to ask me to break something something down or if you had further questions there, Catherine. Yeah. When you can see them.\n\nYeah. Yep. Yes. That's absolutely fine. It's not a problem at all.\n\nExcellent. When we look at the overall performance, markets have been a little bit up and down this year with everything that's been going on globally. The net after after fees performance you've received in your super is 4.65%. So at the moment, you are in that growth kind of environment, which generally sees about 80% in those higher risk investments like international and Australian shares, listed property and commodities. This sort of portfolio, we are looking to track and try and obtain about a seven to 9% on an annual basis.\n\nSo this year with the ups and downs the market has seen, the performance is a little bit lower. It is underperforming based on what we would sort of like to see out of the portfolio, but it's also an understanding and expectation that markets do react differently, that we do have years of really great performances and years of not so good performances. So, it's understandable with everything that's been going on globally and with the ups and downs the market has seen that the performance is a little bit lower. But I am happy to see that you've got a positive result after the last twelve months there as well. And it does mean your super has continued to grow even with what's been happening in the markets as well.\n\nOkay. Excellent. In the email, when you are able to look at that, you do have a copy of all these documents. So I know it's a lot of numbers to go through and a lot for me to sort of put out there. When you do sort of look at the email, if you have additional questions, you can reply back or let us know, and we can answer those for you.\n\nBut we have got a copy of all those documents attached for you. Okay? Excellent. I also just wanted to touch on the estate planning side of things. So last year when we caught up, you had sorry.\n\nThere was you didn't have a will or power of attorney in place. It was on the list of things to get sorted. I know you've had a lot to deal with and to do. Have you had more of a conversation around speaking to a solicitor, having a will and power of attorney set up, or anything like that? No.\n\nThat's okay. It's all okay. We do have options where we can refer you to a solicitor for the drawing up of a will. Did you want me to maybe send you a little bit of a general information email around different ways to access a solicitor, some, you know, costs involved in setting up of a will? Yep.\n\nBeautiful. I can do that. Yep. That's okay. I don't specifically email in relation to the like, recommending a certain solicitor in your area, but I can give you some general overview of one that we have access to, obviously, in Queensland here that gives you just not so much their details, but more of a costing of how much they charge to draft up a will and power of attorney to give you a bit of an idea.\n\nBut all of the local all of the states do have access to, like, state trustees who can put you in touch with a solicitor either in your area or within your state. And I can show you or write down this, you know, how to access that, the general costing around that sort of service and what that looks like for you. Is that okay? Yep. Beautiful.\n\nI just am very cautious about recommending, certain solicitors because I don't know what they're like. And this is obviously a state planning, so it's your will power of attorneys. They're very sensitive conversations to have. So I don't wanna sort of send you to a local solicitor if they're not correct for you. But I do know that all of the the states do have, like, a a state trustee, and they can put you in touch with a solicitor in your area, or they are just a government service that do wills and power of attorneys very easily, either either on the phone, via Teams, or in person.\n\nAnd they're much more of a cost effective way to have a very simple will and power of attorney set up for you as well if that's easier. Okay. Yep. Beautiful. With regard to your super, just double checking the beneficiaries.\n\nNow I have 50% each to Victor and Vivian. Is that how you want those structured? Yep. Beautiful. And just confirming, Victor and Vivian, what relationship are they to you?\n\nOkay. Beautiful. So 50% to each of your children. Lovely. Fantastic.\n\nAnd with your life insurance there as well, you would like that to be exactly the same way, a 50% paid to each of your children in the event of passing. Yep. Lovely. With the insurances you have at the moment, so you've got your life and TBD paid for at from your super funds. The current sum insured for your life cover is showing 699,116.\n\nWith the life insurance, if you were to have, say, passed away today, your life insurance cover is paid out at the sum insured of 699,116, but then your super benefit is also paid out on top of that. So it does essentially provide a benefit amount of just adding these together for you really quickly. $2.06 9. Out of that, 882,269. Do you feel like that's an appropriate level of cover?\n\nYep. A 100 and 83,000 for your super benefit. Yeah. No. So your life your life cover's the 699,000, and your suit yeah.\n\nYour super benefit's $1.83. Sorry. Yes. That's okay. What would you sort of want to have paid out?\n\nWhat would you how would you want that money distributed? Is it just distributed 50% to each of your children for them to sort of, you know, yep, be covered and looked after and put through school and everything? Yep. Yep. Beautiful.\n\nExcellent. With the total permanent disability side of things, you have the same level of cover. So the 699,116 that you're insured for. And, again, if you were TV'd or never able to go back to work again, then we can also claim against your super and have that released under permanent incapacity. So it does give you the same level of cover as a sum insured.\n\nI'm not sure if it kind of went through last year or not, but I do like to clarify. If for any reason that because you're under 60, you claimed on that amount and the super benefit and your your PPD insurance was fully paid out to you as a lump sum, that is actually a tax payment, and the tax on that is up to 22%. So just based on this at the moment, so we'll just say $8.83 oh, $8.82. So based on the current sum insured of the TBD plus your super benefit, if that was taxed at 22%, it means that you would lose about a $194,099 to taxation. Yeah.\n\nIt's correct. That is a worst case scenario as well. So, realistically, if you were unable to ever go back to work again and you claimed on TBD, we as advisers would help you with the claim, but then we would also provide advice on how how best to minimize the tax. Obviously, the TBD payout needs to survive and last as long as you do. So it's not so much of a a one or two or three year payment.\n\nIt's about keeping that money lasting through your retirement as long as possible as well. So we would also provide financial advice on how best to structure the funds, how to draw the funds down so you could live and cover your expenditure as well as keeping it invested for as long as possible as well. Okay? Yeah. With the taxation, I do have to explain it is the highest amount.\n\nSo it the tax is up to 22%. It's just something that not not a lot of people know, and previously, I've had clients come in saying they've claimed TCD, and they, you know, they lost a good one or two hundred thousand dollars on the payment, and that's because they took it all as a lump sum. There are ways to minimize the tax, and there's actually a fund math equation that the the super fund and the they all do to kinda work out the taxes up to 22%. So the taxation could be a little bit less, but it just comes down to, you know, essentially your age and stage and how much you're claiming and when you are claiming. If you were to be over the age of 60 in claiming TPD, then there's no taxation on that.\n\nThat is fully tax free. Yes. That's okay. That is a lot. I get that.\n\nDo you have any questions in relation to what I've just gone through for you? No. That's okay. Are you fairly happy with the level of TBD you have at the moment? Yeah.\n\nThat's okay. That's alright. When you're looking at the documents no. It was it's an individual choice. Not everyone does.\n\nI've got clients who only wanna cover, you know, their debts, their mortgages. You technically don't have a mortgage on your property, so, you know, that's, you know, something that you don't have to realistically worry about. Other clients want to cover themselves from, you know, their current income from the age of 25 to 65. Other clients just want a couple of years of income replacement, and some people just find that there's a certain amount of cover they're comfortable having. So admittedly, TBD, whilst you are on an income protection claim, is very difficult to increase.\n\nSo they would exclude any preexisting conditions that you have gone through. So the fact that you with the breast cancer, they would, you know, exclude that probably or or any symptoms of. But in saying that, it's gotta also cover what you wanted to cover. If you were to as much as you're 48, you're only 48 this year. So 47 now, 48 this year, you still have a lot of life to live, and TPD does have to provide as long as possible or cover for as long as possible.\n\nBecause while some people do claim TPD and then within two, three, or four years can find another job to go back to, Other people do claim TPD and can never ever go back to work again. They are fully disabled, and that amount of money has to suffice and and give them enough living expenses for as long as possible for them and their families. So it's a very the goal for what level of cover is important to you is different for everybody. And if you found that wasn't enough to you, you're welcome to let me know. I will go out there, look at, obviously, what is available to you, look at the costing of that, how we structure it, and update the recommendations to try and reflect.\n\nIf we were to go out there and find that we weren't able to increase or weren't able to get anything different, that is a conversation we would have to come back and have. But it's it's gotta be about what's important to you as well, the level of cover that's right for you and your goals. Okay? Oh, good. Sorry.\n\nIt's a lot of information. Let me know if any questions do happen to come up, Catherine. Easy. You've got your income protection policy there. You're on that claim at the moment, and that's being paid out of pocket.\n\nYou still have your trauma policy, which has been reinstated as well. The current trauma amount is 187,030, and currently, the out of well, I know the income protection, you're not currently paying for that because you're on claim at the moment. But the certificate of the currency shows the expected out of pocket cost is $261.57 per month. Because you're on an income protection claim, they shouldn't be you normally don't pay the income protection amount. So that amount you're currently paying out of pocket, that would be less.\n\nHave you had a look at your bank statements and how much the insurer is deducting on a monthly basis out of pocket for your insurances? Do you know how much, nearest are deducting from your bank account on a monthly basis for your current insurance policies out of pocket? Yes. That's okay. Yeah.\n\nAbsolutely. Beautiful. Yep. Yes. That's correct.\n\nYeah. Beautiful. So the documentation you'll have in your annual review packet notes the monthly premium is $2.61 57. That is just based on the specific of currency that we have, but you are paying less because whilst you're on an income protection claim, they don't get you to pay the premiums. The premiums are always frozen whilst you're on a claim.\n\nSo that's why there'll be a difference between what you see in your annual review pack or the certificate of currency versus what's actually coming out of your bank account at the moment. Okay? It'll start again. Yeah. It will start again.\n\nYeah. Yep. And you've got a five year benefit, so you should have about roughly three years left of the income policy. Is that right? Yep.\n\nYep. Beautiful. Excellent. Well, hopefully, things get a little bit better for you and you you know, the pain eases. I do hope that you can get back to work a few more days.\n\nYeah. It is I have gone through a lot for you. Are there any questions that might be coming out of anything at all at the moment? No. That's okay.\n\nI am sorry. It's a lot of information. Yep. Yeah. Absolutely.\n\nNot a problem. Let's make that for you now. So it takes about four weeks for me to complete the research properly for you. So July 29, that brings us to the August 26. One, two, three, four.\n\nYeah. August 26. Yeah. Did you prefer a Wednesday? What day is generally best for yourself?\n\nA Tuesday? Absolutely. And is it morning or afternoon that normally suits you better for the call? Morning? That's okay.\n\nDid you want sort of first thing in the morning, nine or 10:00? Or 10:00? Beautiful. There we go. It is.\n\nThere we go. It is the twenty fifth. Yeah. The year is going by very fast. Beautiful.\n\nSo what I'll do is I've just looked in my calendar. I'll add your email to the invite so it pops up with an email invitation for you to see because it is a couple of weeks away there. And if you find at any point that that changes or something comes up and you, you know, need a different time, just feel free to let me know, and we can reschedule it to a more suitable time for you. But at the moment, that is all locked in there for you for 10AM on the August 25 there. Okay?\n\nLovely. That's okay. Now just to kind of recap, what I'm gonna be researching is looking at your suit for the current structure, the investments within. I'll factor in the employer contributions that you have going in there based on the previous income of about 12,000 per annum. I'll also sort of compare that with what's going into your sleep on a regular basis to make sure that adds up there for you.\n\nI will project out and look at additional contributions you were comfortable with $50 on a monthly basis to begin with. Does that sound accurate? Have I missed anything there at all? No? Fantastic.\n\nI will also just retain insurances exactly as they are for the moment. If you like, as part of that recap email, I can just note down your current insurance policy with a little bit of detail around life, TPD, and income and income protection and trauma for you just to kind of reiterate. And then if you do find you have additional questions, you can let me know, and I'll send through some details on solicitors and, like, the the different information around the wills and power of attorneys for you, some general information. Does that sound okay? Yep.\n\nFantastic. Everything else looks pretty good. Do you have any other goals, whether it be long term, medium term that you're looking to sort of achieve or in the next, you know, one, two, three, five, or ten years? No. That's okay.\n\nThat's absolutely fine. That's okay. We'll just focus on super for the moment. If anything does change or come up, please let us know. You're still technically a pharmacist, and you're still going back to work for Wizard Pharmacy.\n\nHas any of that changed? Nope. That's okay. Fantastic. Fantastic.\n\nOther than that, I've got you booked in on the twenty fifth, so I'll go back and do a little bit of research around the super side of things. If any questions do pop up, please let me know. I'll send you the email, and you can always email me back if you do happen happen to have any additional questions. In the and the review pack, we have, as I mentioned, a copy of all the documents that I have gone through today explaining everything I've run through. It does also have your ongoing service agreement.\n\nSo, for us to look after your super, monitor everything, and keep providing advice working towards your goals, we do charge an ongoing service fee. It is 1.65% per annum, and it is deducted in smaller monthly increments out of your super. So we wanna make sure your super is building and getting that 1.65% and then additional growth on top of that as well. So if you're happy to stay Yes. Mhmm.\n\nMhmm. Our fees are normally 1.65% on a regular basis. I don't have any notes here to say that that was reduced or should be lower as an ongoing basis. Okay. Would it have been maybe 1.10%?\n\nYep. Yep. That's okay. I can seek approval to see if they're willing to see if our head of advice is willing to adjust the fees for that for the year for you if you like. But as your balance increases, there's a lot more work around it, and updating the advice on a regular basis does mean that we do have to charge your ongoing service fee.\n\nAnd as advisers, we are professional service as well. So we do normally charge 1.1 oh, sorry. 1.65%. I can go back to our head of advice and put your case forward and see if they're willing to adjust to 1.10 for the next year for you. Yep.\n\nBeautiful. That's okay. Not a problem at all. I'll let you know what the outcome is. If they agree to that, then a new ongoing service agreement will be sent out to you to sign and return back.\n\nIf they don't, I'll come back and let you know. I would have to ask the question and seek approval from a head of advice in relation to that for you. Excellent. Happy to go back and do it. Not a problem at all, Catherine.\n\nWe also do have our tax file consent form attached there. So we do hold your tax phone number. It is sensitive information. We are very security conscious. That's why whenever you call us or we call you, we do security.\n\nJust making sure that all the information we hold that is tax phone number, and we just get you to sign and return that back just confirming that you are aware of that. Okay. Okay. Beautiful. I'll do a little recap email for you shortly so you've got all the information I've gone through and some estate planning details there.\n\nAnd if you find you have questions, let me know. Okay? That's okay. Is there any questions that might have popped up at the end of the call at all? Or nope.\n\nThat's okay. Do you have any plans for the rest of the day? Are you relaxing? Or yes. Yes.\n\nWell all good. Well, I was taking up enough of your time now. I really appreciate your time today. I do apologize. I know it is a lot to go through, so I'll send the recap email.\n\nAnd if there's any questions that come up, don't ever hesitate to give me a buzz. I'll go back and ask about the ongoing service fee and seek approval there for you. And I hope you have a really good day. Thank you for your time, Catherine. I'll talk to you soon.\n\nThank you. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Catherine.","start":5.04,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.10051935538649559},{"text":"This is Zaina from Oakview Financial.","start":5.8399997,"end":7.62,"sentiment":"neutral","sentiment_score":0.15600975851217905},{"text":"How are you this morning?","start":7.7599998,"end":8.9,"sentiment":"neutral","sentiment_score":0.20526545345783234},{"text":"That's good.","start":11.04,"end":11.5199995,"sentiment":"positive","sentiment_score":0.6563951671123505},{"text":"I had you booked in to go through a bit of an annual review today.","start":11.5199995,"end":15.201,"sentiment":"neutral","sentiment_score":0.216255584359169}],"sentiment":"neutral","sentiment_score":0.22400162095824877,"num_words":30,"start":5.04,"end":15.201},{"sentences":[{"text":"Is now still a good time there for you?","start":15.201,"end":18.0765,"sentiment":"neutral","sentiment_score":0.13332857605483797},{"text":"Oh, fantastic.","start":18.0765,"end":18.7155,"sentiment":"positive","sentiment_score":0.41787874698638916},{"text":"Catherine, before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":18.7155,"end":25.7445,"sentiment":"neutral","sentiment_score":0.16797247258099643},{"text":"Are you happy for us to proceed with that?","start":25.7445,"end":28.62,"sentiment":"neutral","sentiment_score":0.18328161372078788},{"text":"Fantastic.","start":28.78,"end":29.02,"sentiment":"positive","sentiment_score":0.44808536767959595}],"sentiment":"neutral","sentiment_score":0.1820634643352309,"num_words":43,"start":15.201,"end":29.02},{"sentences":[{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":29.02,"end":34.8,"sentiment":"neutral","sentiment_score":0.1876484662294388},{"text":"Yep.","start":39.18,"end":39.68,"sentiment":"neutral","sentiment_score":0.023526405915617943},{"text":"Okay.","start":41.260002,"end":41.760002,"sentiment":"neutral","sentiment_score":0.012761646881699562},{"text":"I'll just check if I that's okay.","start":44.595,"end":49.475002,"sentiment":"neutral","sentiment_score":-0.06812440071787153},{"text":"I'll have a quick look for you.","start":49.475002,"end":51.575,"sentiment":"neutral","sentiment_score":0.0004150129056402615}],"sentiment":"neutral","sentiment_score":0.11286470271727961,"num_words":46,"start":29.02,"end":51.575},{"sentences":[{"text":"What's the new address address should be?","start":53.155,"end":55.335,"sentiment":"neutral","sentiment_score":0.0040251874764050755},{"text":"No.","start":58.915,"end":59.155,"sentiment":"neutral","sentiment_score":-0.05093754455447197},{"text":"I don't have that one updated here, but that's okay.","start":59.155,"end":61.170002,"sentiment":"neutral","sentiment_score":-0.041425029002130034},{"text":"I can update that for you.","start":61.170002,"end":62.45,"sentiment":"neutral","sentiment_score":0.033235589042305946},{"text":"That's alright.","start":62.45,"end":63.27,"sentiment":"neutral","sentiment_score":0.041750119999051094}],"sentiment":"neutral","sentiment_score":-0.005926836461115342,"num_words":26,"start":53.155,"end":63.27},{"sentences":[{"text":"What's your old address I should have on file?","start":63.41,"end":65.67,"sentiment":"neutral","sentiment_score":0.019544083211157057},{"text":"Beautiful.","start":68.450005,"end":68.93,"sentiment":"neutral","sentiment_score":0.2840580642223358},{"text":"Thank you so much for that.","start":68.93,"end":70.29,"sentiment":"positive","sentiment_score":0.4901944895585378},{"text":"Fantastic.","start":70.29,"end":70.79,"sentiment":"positive","sentiment_score":0.4086155593395233},{"text":"Catherine, I have sent you through some annual review docs to sort of have a chat about when we're going through this.","start":71.81,"end":77.035,"sentiment":"neutral","sentiment_score":0.10136134312911467}],"sentiment":"neutral","sentiment_score":0.15486376560651338,"num_words":39,"start":63.41,"end":77.035},{"sentences":[{"text":"Do you happen to have access to your emails at the moment?","start":77.035,"end":79.435005,"sentiment":"neutral","sentiment_score":0.018290722587456305},{"text":"If you don't, that's honestly okay.","start":79.435005,"end":81.135,"sentiment":"neutral","sentiment_score":-0.007902380156641206},{"text":"That's fine.","start":86.715004,"end":87.275,"sentiment":"neutral","sentiment_score":0.11036497727036476},{"text":"If you can't do it, not a problem.","start":87.275,"end":88.715004,"sentiment":"neutral","sentiment_score":0.023851105011999607},{"text":"Just have a look at them later on.","start":88.715004,"end":90.15,"sentiment":"neutral","sentiment_score":0.04989744769409299}],"sentiment":"neutral","sentiment_score":0.027299799063863855,"num_words":36,"start":77.035,"end":90.15},{"sentences":[{"text":"In the meantime, I can go through, obviously, give you a bit of an update on your sofa.","start":90.23,"end":93.770004,"sentiment":"neutral","sentiment_score":0.06316599084271325},{"text":"Is there anything specific you question wise that you had for us today as well that you wanted me to sort of touch on as part of your annual review?","start":94.87,"end":101.450005,"sentiment":"neutral","sentiment_score":0.08468318631251653},{"text":"No.","start":106.485,"end":106.725,"sentiment":"neutral","sentiment_score":-0.12387078255414964},{"text":"That's okay.","start":106.725,"end":107.545,"sentiment":"neutral","sentiment_score":-0.07083389163017273},{"text":"Yeah.","start":109.445,"end":109.945,"sentiment":"neutral","sentiment_score":-0.0014947541058063507}],"sentiment":"neutral","sentiment_score":0.06558557893507756,"num_words":52,"start":90.23,"end":109.945},{"sentences":[{"text":"Mhmm.","start":114.565,"end":115.065,"sentiment":"neutral","sentiment_score":-0.05106600373983383},{"text":"Yes.","start":121.64,"end":122.14,"sentiment":"neutral","sentiment_score":-0.0312249306589365},{"text":"I can oh, yeah.","start":125.0,"end":126.36,"sentiment":"neutral","sentiment_score":-0.06894311215728521},{"text":"It does depend on the policy.","start":126.36,"end":127.98,"sentiment":"neutral","sentiment_score":-0.06445763384302457},{"text":"If you like, what I can do is I can go back and double check what the rules are in relation to the policy, in relation to it coming back or, you know, a the condition, you know, if the breast cancer coming back and having a secondary claim on that one for you.","start":128.135,"end":142.795,"sentiment":"neutral","sentiment_score":-0.04053767632555078}],"sentiment":"neutral","sentiment_score":-0.044452177388875774,"num_words":66,"start":114.565,"end":142.795},{"sentences":[{"text":"It just the every policy is completely different, so I'll go back and I'll have a look at the product disclosure statement.","start":143.26,"end":148.22,"sentiment":"neutral","sentiment_score":-0.015022264751182362},{"text":"I can also check with the claims team on what the the rules are in relation to that policy.","start":148.22,"end":153.98,"sentiment":"neutral","sentiment_score":0.030547038504951878},{"text":"If you're comfortable, I can send you an email after the call just following that one up for you.","start":153.98,"end":158.315,"sentiment":"neutral","sentiment_score":0.07883184403181076},{"text":"Is that okay?","start":158.315,"end":159.215,"sentiment":"neutral","sentiment_score":0.0772303653260072},{"text":"Yeah.","start":160.635,"end":161.115,"sentiment":"neutral","sentiment_score":0.294197142124176}],"sentiment":"neutral","sentiment_score":0.03552495596522931,"num_words":64,"start":143.26,"end":161.115},{"sentences":[{"text":"Fantastic.","start":161.115,"end":161.615,"sentiment":"positive","sentiment_score":0.6894977688789368},{"text":"It's a really good question.","start":161.675,"end":162.875,"sentiment":"positive","sentiment_score":0.635625672340393},{"text":"Something to certainly look at.","start":162.875,"end":164.815,"sentiment":"positive","sentiment_score":0.4479207217693329},{"text":"I also just wanted to touch base to see how everything was going because last year, when we touched base, you were still on the income protection claim and still sort of going through everything.","start":165.595,"end":174.15001,"sentiment":"neutral","sentiment_score":0.12939256333879062},{"text":"How is everything for you this year?","start":174.21,"end":175.97,"sentiment":"neutral","sentiment_score":0.23306225453104293}],"sentiment":"neutral","sentiment_score":0.23146047618872714,"num_words":53,"start":161.115,"end":175.97},{"sentences":[{"text":"How have you been going recently?","start":175.97,"end":177.35,"sentiment":"neutral","sentiment_score":0.0955216996371746},{"text":"Yep.","start":181.97,"end":182.205,"sentiment":"neutral","sentiment_score":0.00035354620194993913},{"text":"Yep.","start":182.285,"end":182.785,"sentiment":"neutral","sentiment_score":0.002138386247679591},{"text":"Yep.","start":184.125,"end":184.625,"sentiment":"neutral","sentiment_score":-0.015911374241113663},{"text":"Yes.","start":192.045,"end":192.545,"sentiment":"neutral","sentiment_score":-0.08946298062801361}],"sentiment":"neutral","sentiment_score":0.04702477754035499,"num_words":10,"start":175.97,"end":192.545},{"sentences":[{"text":"Yeah.","start":198.46,"end":198.86,"sentiment":"neutral","sentiment_score":-0.011072758585214617},{"text":"Of course.","start":198.86,"end":199.34,"sentiment":"neutral","sentiment_score":0.01382648479193449},{"text":"I can definitely see those contributions going into your super now.","start":199.34,"end":202.94,"sentiment":"neutral","sentiment_score":0.18596715480089188},{"text":"So it does look like you are back at work a little bit.","start":202.94,"end":205.6,"sentiment":"neutral","sentiment_score":0.033552732748480946},{"text":"Last year when we caught up, you were hoping to sort of go back about two days per week.","start":206.14,"end":210.175,"sentiment":"neutral","sentiment_score":-0.0327322686973371}],"sentiment":"neutral","sentiment_score":0.040793289875854614,"num_words":46,"start":198.46,"end":210.175},{"sentences":[{"text":"Are you still managing that, or is it not quite is it different every week?","start":210.175,"end":214.195,"sentiment":"neutral","sentiment_score":-0.040232982113957406},{"text":"Once every fortnight.","start":216.895,"end":218.095,"sentiment":"neutral","sentiment_score":-0.042946374664704},{"text":"I'm so sorry that you're back.","start":218.095,"end":219.85501,"sentiment":"neutral","sentiment_score":-0.21690758566061655},{"text":"It's good that you're getting back there a little bit, but I'm very sorry that it is minimal at the moment.","start":219.85501,"end":224.71999,"sentiment":"neutral","sentiment_score":-0.07079749944664183},{"text":"How are you going treatment wise?","start":226.21999,"end":228.48,"sentiment":"neutral","sentiment_score":-0.023374175031979878}],"sentiment":"neutral","sentiment_score":-0.0717798413380104,"num_words":51,"start":210.175,"end":228.48},{"sentences":[{"text":"Yep.","start":235.73999,"end":236.085,"sentiment":"neutral","sentiment_score":0.000010011097401729783},{"text":"Oh, I'm so sorry.","start":242.80501,"end":244.10501,"sentiment":"neutral","sentiment_score":-0.06016962509602308},{"text":"Are they are they are they sort of saying that that should get a little bit easier as time goes on?","start":244.725,"end":251.24,"sentiment":"neutral","sentiment_score":0.035567850672772953},{"text":"There should be some relief from that, or is this something that's, you know, gonna be ongoing for you?","start":251.24,"end":256.22,"sentiment":"neutral","sentiment_score":-0.016014171666220614},{"text":"Oh, I'm sorry.","start":256.52,"end":257.5,"sentiment":"neutral","sentiment_score":-0.08957310020923615}],"sentiment":"neutral","sentiment_score":-0.0013902539050908065,"num_words":48,"start":235.73999,"end":257.5},{"sentences":[{"text":"Yeah.","start":259.16,"end":259.66,"sentiment":"neutral","sentiment_score":-0.04864007979631424},{"text":"No.","start":263.0,"end":263.5,"sentiment":"negative","sentiment_score":-0.3671224117279053},{"text":"That's a shame.","start":263.835,"end":264.875,"sentiment":"negative","sentiment_score":-0.4811660051345825},{"text":"Oh, it's yeah.","start":264.875,"end":269.775,"sentiment":"neutral","sentiment_score":-0.029545701186483104},{"text":"Oh, I mean, it's it's enough that you've gone through what you've gone through, but then to have, you know, ongoing management and ongoing pain and to have this experience, you know, ongoing for you must be really tough.","start":270.155,"end":280.98,"sentiment":"neutral","sentiment_score":-0.15943682690461478}],"sentiment":"neutral","sentiment_score":-0.17374327361207217,"num_words":47,"start":259.16,"end":280.98},{"sentences":[{"text":"So I'm very sorry that you're going through this.","start":280.98,"end":283.08002,"sentiment":"negative","sentiment_score":-0.43854965766270954},{"text":"Are you hoping or trying to sort of get back to work a little bit more down the track, or do you think this is, you know, what you'll be doing ongoing for the foreseeable future?","start":286.58002,"end":295.325,"sentiment":"neutral","sentiment_score":-0.04963583126664162},{"text":"Okay.","start":300.345,"end":300.845,"sentiment":"neutral","sentiment_score":0.08415814489126205},{"text":"Yep.","start":300.98502,"end":301.48502,"sentiment":"neutral","sentiment_score":0.06000104546546936},{"text":"Yeah.","start":301.86502,"end":302.36502,"sentiment":"neutral","sentiment_score":0.08601151406764984}],"sentiment":"neutral","sentiment_score":-0.11465971125289798,"num_words":48,"start":280.98,"end":302.36502},{"sentences":[{"text":"Okay.","start":303.385,"end":303.885,"sentiment":"neutral","sentiment_score":0.22074350714683533},{"text":"Beautiful.","start":304.905,"end":305.405,"sentiment":"positive","sentiment_score":0.40764832496643066},{"text":"Well, take it as it comes, and, hopefully, you get a bit of downtime and a bit of rest.","start":306.37,"end":311.11,"sentiment":"neutral","sentiment_score":0.1892118281439731},{"text":"I know you do also have two kids there as well.","start":311.65,"end":315.00998,"sentiment":"neutral","sentiment_score":0.019484718584201553},{"text":"How's that it must be really tough.","start":315.00998,"end":316.53,"sentiment":"neutral","sentiment_score":-0.18374688923358917}],"sentiment":"neutral","sentiment_score":0.08080821145230378,"num_words":39,"start":303.385,"end":316.53},{"sentences":[{"text":"You you have two small children to, you know, help out with, but how's everything?","start":316.53,"end":321.255,"sentiment":"neutral","sentiment_score":-0.10351817111174265},{"text":"Oh, that's that's good.","start":324.83502,"end":326.67502,"sentiment":"neutral","sentiment_score":0.2368901465088129},{"text":"That's good.","start":326.67502,"end":327.075,"sentiment":"positive","sentiment_score":0.42096778750419617},{"text":"And do you have a fairly good support system around you for sort of going through it and help with childcare?","start":327.075,"end":332.215,"sentiment":"neutral","sentiment_score":0.10214891834628015},{"text":"Oh, that is good.","start":332.435,"end":334.98,"sentiment":"neutral","sentiment_score":0.20803188905119896}],"sentiment":"neutral","sentiment_score":0.06986909643139529,"num_words":46,"start":316.53,"end":334.98},{"sentences":[{"text":"Oh, that is really good.","start":334.98,"end":336.41998,"sentiment":"positive","sentiment_score":0.4861023545265198},{"text":"Fantastic.","start":336.41998,"end":336.91998,"sentiment":"positive","sentiment_score":0.636577844619751},{"text":"Well, I'm glad.","start":337.06,"end":337.88,"sentiment":"positive","sentiment_score":0.3896553119023641},{"text":"I'm just sort of making some notes to let you know update your file here.","start":338.41998,"end":341.54,"sentiment":"neutral","sentiment_score":0.09386739085117976},{"text":"So you're back sort of one day per fortnight at the moment.","start":341.54,"end":344.41998,"sentiment":"neutral","sentiment_score":0.07155498986442883}],"sentiment":"neutral","sentiment_score":0.18063128594723013,"num_words":36,"start":334.98,"end":344.41998},{"sentences":[{"text":"Is that right?","start":344.41998,"end":345.24,"sentiment":"neutral","sentiment_score":0.07629384845495224},{"text":"Yeah.","start":346.98,"end":347.46,"sentiment":"neutral","sentiment_score":0.22244670987129211},{"text":"That's okay.","start":347.46,"end":348.135,"sentiment":"positive","sentiment_score":0.34915611147880554},{"text":"And averaging income wise, what are you expecting to sort of be able to earn this year, do you think?","start":348.855,"end":354.55502,"sentiment":"neutral","sentiment_score":0.12129613477736712},{"text":"Just from employment.","start":356.135,"end":357.195,"sentiment":"neutral","sentiment_score":0.013035383385916552}],"sentiment":"neutral","sentiment_score":0.12464376978961558,"num_words":29,"start":344.41998,"end":357.195},{"sentences":[{"text":"Sorry.","start":357.255,"end":357.755,"sentiment":"neutral","sentiment_score":-0.03403852507472038},{"text":"If you're not sure, that's okay.","start":366.38998,"end":371.31,"sentiment":"neutral","sentiment_score":-0.04035693810631832},{"text":"Okay.","start":372.15,"end":372.65,"sentiment":"neutral","sentiment_score":0.008438526652753353},{"text":"Yep.","start":375.03,"end":375.53,"sentiment":"neutral","sentiment_score":0.060245197266340256},{"text":"Then you that's okay.","start":376.285,"end":377.565,"sentiment":"neutral","sentiment_score":0.08061843551695347}],"sentiment":"neutral","sentiment_score":0.008844408636482861,"num_words":13,"start":357.255,"end":377.565},{"sentences":[{"text":"And then the claim proceeds on top of that to top you 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that?","start":383.885,"end":392.4,"sentiment":"neutral","sentiment_score":0.05149154178798199},{"text":"Nope.","start":393.82,"end":394.32,"sentiment":"neutral","sentiment_score":-0.041988760232925415}],"sentiment":"neutral","sentiment_score":0.08301144776244958,"num_words":42,"start":377.565,"end":394.32},{"sentences":[{"text":"Okay.","start":394.46002,"end":394.96002,"sentiment":"neutral","sentiment_score":0.010263080708682535},{"text":"Okay.","start":395.9,"end":396.4,"sentiment":"neutral","sentiment_score":0.06048265099525452},{"text":"Just update those for you.","start":396.86002,"end":398.64,"sentiment":"neutral","sentiment_score":0.08571874424815178},{"text":"And excellent.","start":399.42,"end":400.86002,"sentiment":"positive","sentiment_score":0.5517752021551132},{"text":"I can see contributions are definitely going in.","start":400.86002,"end":403.185,"sentiment":"positive","sentiment_score":0.5429715141654015}],"sentiment":"positive","sentiment_score":0.3498036453281255,"num_words":17,"start":394.46002,"end":403.185},{"sentences":[{"text":"Are you finding that you are managing to sort of put money away or save at the moment, or is everything kinda going towards your expenditure?","start":403.825,"end":411.365,"sentiment":"neutral","sentiment_score":0.13281370828358027},{"text":"Yep.","start":417.585,"end":417.72,"sentiment":"neutral","sentiment_score":-0.08296122401952744},{"text":"Yep.","start":419.32,"end":419.8,"sentiment":"neutral","sentiment_score":0.007118766196072102},{"text":"If you had to quantify that, what do you think you'd sort of say you're putting away?","start":419.8,"end":424.14,"sentiment":"neutral","sentiment_score":-0.011805093573296772},{"text":"Okay.","start":433.0,"end":433.395,"sentiment":"neutral","sentiment_score":0.32965195178985596}],"sentiment":"neutral","sentiment_score":0.07622346344768353,"num_words":46,"start":403.825,"end":433.395},{"sentences":[{"text":"That's really good.","start":433.555,"end":434.435,"sentiment":"positive","sentiment_score":0.5440882444381714},{"text":"Yeah.","start":434.435,"end":434.935,"sentiment":"positive","sentiment_score":0.385198712348938},{"text":"Starting off small can make a big difference.","start":435.955,"end":438.19498,"sentiment":"positive","sentiment_score":0.4697076119482517},{"text":"So they've having those small habits put into place, and then as the financial system, you know, situation gets a little bit better, you'd be able to sort of increase that hopefully down the track.","start":438.19498,"end":447.56,"sentiment":"positive","sentiment_score":0.3499941544873374},{"text":"Yeah.","start":447.7,"end":448.2,"sentiment":"positive","sentiment_score":0.4083002805709839}],"sentiment":"positive","sentiment_score":0.3840254172682762,"num_words":48,"start":433.555,"end":448.2},{"sentences":[{"text":"Excellent.","start":449.30002,"end":449.80002,"sentiment":"positive","sentiment_score":0.5781461596488953},{"text":"The other things to sort of touch base on, of income side of things.","start":451.30002,"end":455.30002,"sentiment":"neutral","sentiment_score":0.1669621840119362},{"text":"So how much are you managing to obtain or how much is the income protection claim currently paying you on a monthly basis at the moment?","start":455.30002,"end":463.045,"sentiment":"neutral","sentiment_score":0.056730871876844995},{"text":"Are you receiving the full benefit, or is it only a partial 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assume?","start":495.075,"end":503.91,"sentiment":"neutral","sentiment_score":0.08576592776392188}],"sentiment":"neutral","sentiment_score":0.07885181689352701,"num_words":33,"start":492.035,"end":503.91},{"sentences":[{"text":"Yep.","start":505.57,"end":506.07,"sentiment":"neutral","sentiment_score":0.16748718917369845},{"text":"All good.","start":506.53,"end":507.27002,"sentiment":"positive","sentiment_score":0.37478363513946533},{"text":"Looking at your your assets and liabilities here, we had your main primary residence noted down.","start":508.37,"end":515.35,"sentiment":"neutral","sentiment_score":0.055675245937891304},{"text":"Ref valuation last year was about 1,100,000.","start":516.475,"end":520.175,"sentiment":"neutral","sentiment_score":0.02232742149915014},{"text":"What sort of value would you put on that property now, do you think?","start":520.315,"end":523.375,"sentiment":"neutral","sentiment_score":0.01601834169455937}],"sentiment":"neutral","sentiment_score":0.0547101782169193,"num_words":40,"start":505.57,"end":523.375},{"sentences":[{"text":"That's You have.","start":527.995,"end":529.19,"sentiment":"neutral","sentiment_score":-0.015393364941701293},{"text":"You do sell the old property and buy a new house.","start":530.69,"end":533.17,"sentiment":"neutral","sentiment_score":-0.037945501167665825},{"text":"Is that what's happened?","start":533.17,"end":534.69,"sentiment":"neutral","sentiment_score":-0.007899017073214054},{"text":"Yep.","start":534.69,"end":535.01,"sentiment":"neutral","sentiment_score":0.008221481926739216},{"text":"Okay.","start":535.01,"end":535.51,"sentiment":"neutral","sentiment_score":0.013230952434241772}],"sentiment":"neutral","sentiment_score":-0.02368621208006516,"num_words":20,"start":527.995,"end":535.51},{"sentences":[{"text":"So with the new house, what's the value would you put on that one?","start":535.73004,"end":538.87,"sentiment":"neutral","sentiment_score":0.00644268627677645},{"text":"Two million?","start":541.81,"end":542.295,"sentiment":"neutral","sentiment_score":-0.00412571569904685},{"text":"Yep.","start":542.77496,"end":543.27496,"sentiment":"neutral","sentiment_score":-0.004077247343957424},{"text":"Lovely.","start":545.095,"end":545.595,"sentiment":"neutral","sentiment_score":-0.27219611406326294},{"text":"No.","start":546.535,"end":546.855,"sentiment":"neutral","sentiment_score":-0.15213438868522644}],"sentiment":"neutral","sentiment_score":-0.018234819663982643,"num_words":19,"start":535.73004,"end":546.855},{"sentences":[{"text":"That's okay.","start":546.855,"end":547.65497,"sentiment":"neutral","sentiment_score":-0.08178913779556751},{"text":"That's absolutely fine.","start":547.65497,"end":548.95496,"sentiment":"neutral","sentiment_score":0.09574664880832036},{"text":"What is the percentage of ownership here, though?","start":549.175,"end":551.51495,"sentiment":"neutral","sentiment_score":-0.021656336495652795},{"text":"What would be your percentage of ownership do you think?","start":553.495,"end":558.29663,"sentiment":"neutral","sentiment_score":-0.009626567270606757},{"text":"A quarter?","start":558.97,"end":559.62994,"sentiment":"neutral","sentiment_score":-0.006850507808849215}],"sentiment":"neutral","sentiment_score":-0.006382228378206491,"num_words":25,"start":546.855,"end":559.62994},{"sentences":[{"text":"Ownership.","start":564.17,"end":564.67,"sentiment":"neutral","sentiment_score":0.05547086149454117},{"text":"Excellent.","start":564.97,"end":565.47,"sentiment":"positive","sentiment_score":0.39393675327301025},{"text":"Thank you for that.","start":565.61,"end":566.75,"sentiment":"positive","sentiment_score":0.4581593945622444},{"text":"And mortgage on the property or mortgage that you're liable for, how much is owing on the property, if anything?","start":567.12994,"end":573.695,"sentiment":"neutral","sentiment_score":0.051044605951756236},{"text":"Nothing owed on the property?","start":578.235,"end":579.595,"sentiment":"neutral","sentiment_score":-0.008567342162132263}],"sentiment":"neutral","sentiment_score":0.10516453552390298,"num_words":31,"start":564.17,"end":579.595},{"sentences":[{"text":"It's yep.","start":579.595,"end":581.755,"sentiment":"neutral","sentiment_score":0.03684372827410698},{"text":"Okay.","start":581.755,"end":582.255,"sentiment":"neutral","sentiment_score":0.12197689712047576},{"text":"Beautiful.","start":586.21,"end":586.71,"sentiment":"neutral","sentiment_score":0.3027593493461609},{"text":"Beautiful.","start":587.57,"end":588.07,"sentiment":"neutral","sentiment_score":0.2947448790073395},{"text":"We also had down here your vehicles.","start":588.69,"end":590.45,"sentiment":"neutral","sentiment_score":0.08278523545180048}],"sentiment":"neutral","sentiment_score":0.11438876918206613,"num_words":12,"start":579.595,"end":590.45},{"sentences":[{"text":"Now you did have a Mazda six.","start":590.45,"end":591.97003,"sentiment":"neutral","sentiment_score":0.03855302317866257},{"text":"Do you still have that vehicle?","start":591.97003,"end":593.51,"sentiment":"neutral","sentiment_score":0.027543649387856323},{"text":"Yep.","start":598.54504,"end":598.945,"sentiment":"neutral","sentiment_score":0.09281103312969208},{"text":"Beautiful.","start":598.945,"end":599.445,"sentiment":"neutral","sentiment_score":0.20872965455055237},{"text":"And we have that valued at about 15,000 last year.","start":600.385,"end":603.60504,"sentiment":"neutral","sentiment_score":0.05521892551332712}],"sentiment":"neutral","sentiment_score":0.05155452005565166,"num_words":25,"start":590.45,"end":603.60504},{"sentences":[{"text":"Do you yeah.","start":604.465,"end":606.625,"sentiment":"neutral","sentiment_score":-0.06173493713140488},{"text":"What the value would you put on it?","start":606.625,"end":608.81,"sentiment":"neutral","sentiment_score":-0.01938212150707841},{"text":"About 12,000?","start":611.26996,"end":612.39,"sentiment":"neutral","sentiment_score":-0.003239206038415432},{"text":"Excellent.","start":612.39,"end":612.89,"sentiment":"neutral","sentiment_score":0.2729833722114563},{"text":"That's okay.","start":613.82996,"end":614.64996,"sentiment":"neutral","sentiment_score":0.20907241106033325}],"sentiment":"neutral","sentiment_score":0.021524249925278127,"num_words":16,"start":604.465,"end":614.64996},{"sentences":[{"text":"And then we also had here there was another vehicle, a Mazda three two three.","start":614.95,"end":618.55,"sentiment":"neutral","sentiment_score":0.05615313102801641},{"text":"Do you still have that one as well?","start":618.55,"end":622.90497,"sentiment":"neutral","sentiment_score":0.020797706325538456},{"text":"Mhmm.","start":623.08496,"end":623.58496,"sentiment":"neutral","sentiment_score":-0.03907676413655281},{"text":"And no.","start":625.565,"end":627.245,"sentiment":"neutral","sentiment_score":-0.19552545249462128},{"text":"That's okay.","start":627.245,"end":627.805,"sentiment":"neutral","sentiment_score":-0.022605539299547672}],"sentiment":"neutral","sentiment_score":0.01904785243927368,"num_words":28,"start":614.95,"end":627.805},{"sentences":[{"text":"We had about 4,000 last year.","start":627.805,"end":629.805,"sentiment":"neutral","sentiment_score":0.0077001419849693775},{"text":"What sort of value would you put on it now?","start":629.805,"end":631.74,"sentiment":"neutral","sentiment_score":0.0038357666693627835},{"text":"About 3,000.","start":634.3,"end":635.26,"sentiment":"neutral","sentiment_score":0.01952493842691183},{"text":"Yep.","start":635.26,"end":635.74,"sentiment":"neutral","sentiment_score":0.247759148478508},{"text":"Fantastic.","start":635.74,"end":636.24,"sentiment":"positive","sentiment_score":0.6279858350753784}],"sentiment":"neutral","sentiment_score":0.04996766895055771,"num_words":20,"start":627.805,"end":636.24},{"sentences":[{"text":"Both those vehicles are owned fully debt free there as well.","start":637.1,"end":640.32,"sentiment":"neutral","sentiment_score":0.32924227822910657},{"text":"And we had a credit card down here with a limit of 6,000.","start":641.82,"end":645.36,"sentiment":"neutral","sentiment_score":0.021756772954876605},{"text":"Do you still have that credit card?","start":645.405,"end":647.265,"sentiment":"neutral","sentiment_score":0.004221661548529353},{"text":"Yep.","start":648.84503,"end":649.34503,"sentiment":"neutral","sentiment_score":0.023890234529972076},{"text":"And the limit hasn't changed.","start":649.405,"end":650.92505,"sentiment":"neutral","sentiment_score":-0.001648740004748106}],"sentiment":"neutral","sentiment_score":0.10674868308863528,"num_words":37,"start":637.1,"end":650.92505},{"sentences":[{"text":"That's the same limit?","start":650.92505,"end":652.145,"sentiment":"neutral","sentiment_score":-0.000570134143345058},{"text":"Fantastic.","start":653.885,"end":654.385,"sentiment":"neutral","sentiment_score":0.29505541920661926},{"text":"And then I've also got your contents.","start":654.445,"end":656.145,"sentiment":"neutral","sentiment_score":0.10476849866764885},{"text":"Our rough valuation of total contents about 25,000.","start":656.36505,"end":659.5,"sentiment":"neutral","sentiment_score":0.06951205618679523},{"text":"Would you keep that about the same or increase or decrease?","start":659.5,"end":662.88,"sentiment":"neutral","sentiment_score":0.022407859352163294}],"sentiment":"neutral","sentiment_score":0.05899152502177223,"num_words":31,"start":650.92505,"end":662.88},{"sentences":[{"text":"Yep.","start":662.94,"end":663.33997,"sentiment":"neutral","sentiment_score":0.04058024287223816},{"text":"That's okay.","start":663.33997,"end":664.07996,"sentiment":"neutral","sentiment_score":0.1135537214577198},{"text":"Thank you for updating those.","start":664.54,"end":666.16,"sentiment":"positive","sentiment_score":0.373499858379364},{"text":"Is there any other new assets or liabilities or anything else of value you wanna note down that you've probably had updated or changed in the last twelve months?","start":666.54,"end":675.755,"sentiment":"neutral","sentiment_score":0.0887769740074873},{"text":"Nope.","start":679.09503,"end":679.59503,"sentiment":"neutral","sentiment_score":-0.06330512464046478}],"sentiment":"neutral","sentiment_score":0.12227405524371486,"num_words":38,"start":662.94,"end":679.59503},{"sentences":[{"text":"That's okay.","start":679.73505,"end":680.53503,"sentiment":"neutral","sentiment_score":-0.06525154784321785},{"text":"Thank you for that.","start":680.53503,"end":681.755,"sentiment":"neutral","sentiment_score":0.045936061069369316},{"text":"No.","start":681.895,"end":682.215,"sentiment":"neutral","sentiment_score":-0.021155331283807755},{"text":"All good.","start":682.215,"end":682.875,"sentiment":"neutral","sentiment_score":0.08295812644064426},{"text":"One of your goals I had here last year was that you were trying to sell your house and move in with your partner.","start":683.97504,"end":689.41003,"sentiment":"neutral","sentiment_score":0.011536011938005686}],"sentiment":"neutral","sentiment_score":0.01438988959698966,"num_words":33,"start":679.73505,"end":689.41003},{"sentences":[{"text":"So the newer property that you're living in, is that with your partner?","start":689.47003,"end":692.45,"sentiment":"neutral","sentiment_score":0.012075984205764074},{"text":"Yep.","start":694.11,"end":694.59,"sentiment":"neutral","sentiment_score":0.08395206928253174},{"text":"Beautiful.","start":694.59,"end":695.09,"sentiment":"neutral","sentiment_score":0.2425960898399353},{"text":"I'll just remove that one.","start":695.15,"end":696.59,"sentiment":"neutral","sentiment_score":0.1345740258693695},{"text":"That goal is completed.","start":696.59,"end":697.73,"sentiment":"neutral","sentiment_score":0.13818936794996262}],"sentiment":"neutral","sentiment_score":0.07121514812267075,"num_words":24,"start":689.47003,"end":697.73},{"sentences":[{"text":"With regard to your super, we were looking at a goal of trying to access super and fully retire around about the age of 60.","start":698.35,"end":705.005,"sentiment":"neutral","sentiment_score":0.05570120930671692},{"text":"I know with your health, there's a lot of unknowns at the moment, but down the track, are we still with regard to super tracking for that goal?","start":705.465,"end":712.10504,"sentiment":"neutral","sentiment_score":0.007354929669028414},{"text":"Is that what you're after super wise at the moment?","start":712.10504,"end":714.60504,"sentiment":"neutral","sentiment_score":-0.0019206133205443622},{"text":"It is.","start":717.22504,"end":717.885,"sentiment":"neutral","sentiment_score":-0.035953596234321594},{"text":"Yeah.","start":718.13,"end":718.52997,"sentiment":"neutral","sentiment_score":-0.07295238226652145}],"sentiment":"neutral","sentiment_score":0.021733372052425915,"num_words":66,"start":698.35,"end":718.52997},{"sentences":[{"text":"Unfortunately, be good if they'd make it lower.","start":718.52997,"end":721.02997,"sentiment":"neutral","sentiment_score":-0.25452568382024765},{"text":"Yep.","start":724.13,"end":724.37,"sentiment":"neutral","sentiment_score":0.0076302955858409405},{"text":"That's yep.","start":724.37,"end":726.37,"sentiment":"neutral","sentiment_score":-0.008149103727191687},{"text":"That's okay.","start":726.37,"end":727.19,"sentiment":"neutral","sentiment_score":0.07242678664624691},{"text":"And we have down here that you're we're hoping to sort of live on income of about $1,000 a week from your super.","start":727.33,"end":733.97504,"sentiment":"neutral","sentiment_score":0.07065866369268169}],"sentiment":"neutral","sentiment_score":-0.007635292894620862,"num_words":36,"start":718.52997,"end":733.97504},{"sentences":[{"text":"Is that still your goal for your super side of things income wise?","start":734.35504,"end":738.695,"sentiment":"neutral","sentiment_score":0.07146768415203461},{"text":"Yep.","start":741.635,"end":741.955,"sentiment":"positive","sentiment_score":0.3418152332305908},{"text":"That's okay.","start":741.955,"end":742.675,"sentiment":"positive","sentiment_score":0.5757473707199097},{"text":"Just so I can sort of project forward and track things out when we update advice for you.","start":742.675,"end":746.60004,"sentiment":"positive","sentiment_score":0.47793449130323196},{"text":"Absolutely fine.","start":746.60004,"end":747.66003,"sentiment":"positive","sentiment_score":0.7451585233211517}],"sentiment":"positive","sentiment_score":0.3476535488540928,"num_words":36,"start":734.35504,"end":747.66003},{"sentences":[{"text":"I also had down here everything else looks like it's pretty well covered.","start":748.76,"end":755.96,"sentiment":"positive","sentiment_score":0.5889157308981969},{"text":"It was more just the other goals around, yeah, sustainability around your health.","start":755.96,"end":760.665,"sentiment":"positive","sentiment_score":0.4382808460639073},{"text":"So making sure that you can focus on financial stability whilst being on an income protection claim.","start":760.985,"end":766.76495,"sentiment":"positive","sentiment_score":0.37715834379196167},{"text":"We talked about last year re yes.","start":767.46497,"end":769.305,"sentiment":"neutral","sentiment_score":0.04178693863962378},{"text":"Sorry.","start":769.305,"end":769.625,"sentiment":"neutral","sentiment_score":-0.001299239695072174}],"sentiment":"positive","sentiment_score":0.39326385638731365,"num_words":51,"start":748.76,"end":769.625},{"sentences":[{"text":"You go.","start":769.625,"end":770.285,"sentiment":"neutral","sentiment_score":-0.0009364010766148563},{"text":"Yeah.","start":772.02496,"end":772.345,"sentiment":"neutral","sentiment_score":0.06612847745418549},{"text":"Sure.","start":772.345,"end":772.74,"sentiment":"neutral","sentiment_score":0.1031120792031288},{"text":"Yes.","start":782.02,"end":782.52,"sentiment":"neutral","sentiment_score":0.1889493763446808},{"text":"At the moment, I would have to go back and do a little bit of an update.","start":784.74,"end":788.435,"sentiment":"neutral","sentiment_score":-0.029728443745304558}],"sentiment":"neutral","sentiment_score":-0.006775746037336913,"num_words":22,"start":769.625,"end":788.435},{"sentences":[{"text":"At the moment, based on your current age, it looks like we might be you can realistically draw that income, but it won't last as long as what you'd expect it to be.","start":788.435,"end":799.09503,"sentiment":"neutral","sentiment_score":-0.04148696566169912},{"text":"I can I would like to maybe go back and review your portfolio, update the advice, look at what you're spending, and see what you're on track for?","start":800.03503,"end":808.2,"sentiment":"neutral","sentiment_score":0.09375337471387216},{"text":"When you kind of look at retirement, realistically, the income that you need to live on is the income that you need to live on.","start":808.82,"end":814.485,"sentiment":"neutral","sentiment_score":0.04158482402563095},{"text":"So when you get to 60 and start working and need to draw income, if you need to live on a thousand dollars a week, that's what you can draw out regardless of what your balance is.","start":814.485,"end":823.945,"sentiment":"neutral","sentiment_score":0.07075912233542751},{"text":"It's just a matter of depending on how you're invested, the rate of return that your super is obtaining, and how much you're drawing out as to whether you get longevity or how long your super lasts.","start":824.245,"end":836.76,"sentiment":"neutral","sentiment_score":0.08823372987476555}],"sentiment":"neutral","sentiment_score":0.05111487973481417,"num_words":160,"start":788.435,"end":836.76},{"sentences":[{"text":"So, normally, we'd be sort of trying to track to make super last roughly around about to a life expectancy or into our nineties depending on sort of what we're hoping to achieve with regard to it.","start":836.89996,"end":852.265,"sentiment":"neutral","sentiment_score":0.07821791286806802},{"text":"But I do wanna sort of have a look at your super look at the investments there.","start":853.04504,"end":856.68005,"sentiment":"neutral","sentiment_score":0.06234172622070593},{"text":"I know a few months back in about March, we had sent out a record of advice and made an update to your super fund.","start":857.06006,"end":864.04004,"sentiment":"neutral","sentiment_score":0.08115009427070617},{"text":"Do you remember receiving that email?","start":864.42004,"end":866.84,"sentiment":"neutral","sentiment_score":0.012623704969882965},{"text":"It was a change of investments.","start":871.725,"end":873.425,"sentiment":"neutral","sentiment_score":-0.024878523622949917}],"sentiment":"neutral","sentiment_score":0.06493511611779967,"num_words":91,"start":836.89996,"end":873.425},{"sentences":[{"text":"Yes.","start":878.605,"end":879.105,"sentiment":"neutral","sentiment_score":0.0035436060279607773},{"text":"So the investment can so the investment committee noticed that one of the investments in your portfolio have been underperforming there.","start":879.245,"end":885.22003,"sentiment":"neutral","sentiment_score":-0.24565094106254123},{"text":"So you'd originally had the Better Long Australian Equities investments.","start":885.22003,"end":889.72003,"sentiment":"neutral","sentiment_score":-0.09127158522605897},{"text":"That recorded advice was sent out to say that we'd notify or we'd been, you know, reviewed that investment.","start":890.5,"end":896.5,"sentiment":"neutral","sentiment_score":-0.11060247962412081},{"text":"It had been underperforming, and we wanted to remove that from your portfolio.","start":896.5,"end":899.96,"sentiment":"negative","sentiment_score":-0.43940183978814346}],"sentiment":"neutral","sentiment_score":-0.21689864122890867,"num_words":64,"start":878.605,"end":899.96},{"sentences":[{"text":"So we actually replaced that with the BetaShares Australia two hundred.","start":900.555,"end":904.335,"sentiment":"neutral","sentiment_score":0.12410670857537877},{"text":"It is a lower cost investment.","start":904.795,"end":906.815,"sentiment":"positive","sentiment_score":0.40520234902699787},{"text":"It actually gives you greater diversification to help to lower the risk level of your portfolio, but it also has been performing much greater over the past twelve months.","start":906.955,"end":916.05,"sentiment":"positive","sentiment_score":0.44463034076937313},{"text":"So they swapped those two investments out for you or swapped those investments around.","start":916.13,"end":920.47,"sentiment":"neutral","sentiment_score":0.16190359901104653},{"text":"Looking at the performance of your super over the last twelve months, so when we have a look back to last year, your balance is about a 176,990, and your balance now up to a $183,002.69.","start":922.05,"end":935.865,"sentiment":"neutral","sentiment_score":0.17666757996711466}],"sentiment":"neutral","sentiment_score":0.2637224066226433,"num_words":96,"start":900.555,"end":935.865},{"sentences":[{"text":"When I sort of confirm that against the average balance of someone your age so for someone of your age and a female, the average balance is about 107,000.","start":937.045,"end":947.4,"sentiment":"neutral","sentiment_score":0.09073658480212607},{"text":"So your balance is higher than the average person's of your same age and stage, which is good.","start":947.4,"end":952.7,"sentiment":"positive","sentiment_score":0.3600143881307708},{"text":"That's what we want, but we want that to continue growing.","start":952.84,"end":955.72003,"sentiment":"positive","sentiment_score":0.446089966730638},{"text":"So I would like to just go back, reevaluate the investments, maybe see if there's other swaps we need to maybe make there to make there to keep you on track, look at what we're projecting forward for.","start":955.72003,"end":965.98505,"sentiment":"positive","sentiment_score":0.3490549188695456},{"text":"Because having a look at things, so you're as of September this year, you're about 48.","start":965.98505,"end":971.185,"sentiment":"neutral","sentiment_score":0.12877161987125874}],"sentiment":"neutral","sentiment_score":0.2619914501306734,"num_words":112,"start":937.045,"end":971.185},{"sentences":[{"text":"Is that right?","start":971.185,"end":972.085,"sentiment":"neutral","sentiment_score":0.10125053177277248},{"text":"Yeah.","start":973.905,"end":974.25,"sentiment":"neutral","sentiment_score":0.1040307879447937},{"text":"So I would like to go back to have a bit of a look at what we're tracking for.","start":974.49,"end":978.35,"sentiment":"neutral","sentiment_score":0.06164139087655043},{"text":"I know with you not working as much as much as you were, obviously, your contributions are gonna be lower going into the fund.","start":978.81,"end":986.59,"sentiment":"negative","sentiment_score":-0.4253139207139611},{"text":"With you saving, the kind of reason I ask about, looking at, your expendable income and what you're saving is are you open to or are you in a position to maybe look at making additional contributions into super if that's gonna provide benefit and give your super longevity, allowing you to draw that thousand dollars per week for longer.","start":987.21,"end":1007.26,"sentiment":"neutral","sentiment_score":0.2357875699798266}],"sentiment":"neutral","sentiment_score":0.05157653188385139,"num_words":107,"start":971.185,"end":1007.26},{"sentences":[{"text":"Is that something you're open to at the moment, or are you not really in a position to do that currently?","start":1007.56,"end":1011.96,"sentiment":"neutral","sentiment_score":0.030043452091160276},{"text":"How do you feel about it?","start":1011.96,"end":1013.42,"sentiment":"neutral","sentiment_score":0.03527687800427278},{"text":"Yeah.","start":1018.6,"end":1019.0,"sentiment":"neutral","sentiment_score":0.136398583650589},{"text":"What would be your comfort level?","start":1019.0,"end":1020.585,"sentiment":"neutral","sentiment_score":0.15232489258050919},{"text":"Is there an amount you'd be comfortable starting with and then kind of building on that over time?","start":1020.585,"end":1025.885,"sentiment":"neutral","sentiment_score":0.1278109678791629}],"sentiment":"neutral","sentiment_score":0.08064459851728036,"num_words":52,"start":1007.56,"end":1025.885},{"sentences":[{"text":"50 per month?","start":1036.28,"end":1037.4,"sentiment":"neutral","sentiment_score":0.034758467227220535},{"text":"Yeah.","start":1037.4,"end":1037.88,"sentiment":"neutral","sentiment_score":0.11275191605091096},{"text":"Yeah.","start":1037.88,"end":1038.38,"sentiment":"neutral","sentiment_score":0.20683015882968905},{"text":"Absolutely.","start":1038.4401,"end":1038.9401,"sentiment":"positive","sentiment_score":0.33978772163391113},{"text":"So what I'll go through is I'll go back and have a look at the investments, have a look at the way your super is structured, look at what your, you know, the fees are for your investments, look at the overall projected outcome based on your current super and investment structure.","start":1039.8,"end":1054.2051,"sentiment":"neutral","sentiment_score":0.21532176119776872}],"sentiment":"neutral","sentiment_score":0.20621339276689907,"num_words":58,"start":1036.28,"end":1054.2051},{"sentences":[{"text":"I can review that with some other investment swaps and changes to make sure that you're in a portfolio that is as lower cost as possible, that you're getting the best possible returns based on past performance, and look at projecting that out to the age of 60 for you to kinda give you a limited overview of what we're expecting based on your current scenario and the changes to sort of see whether we update the advice and make some changes.","start":1054.745,"end":1078.795,"sentiment":"neutral","sentiment_score":0.24678651933989873},{"text":"Does that sound okay to you, Catherine?","start":1078.855,"end":1080.555,"sentiment":"neutral","sentiment_score":0.1673722607748849},{"text":"Yeah.","start":1080.935,"end":1081.435,"sentiment":"neutral","sentiment_score":0.06951040774583817},{"text":"Yep.","start":1082.295,"end":1082.795,"sentiment":"neutral","sentiment_score":0.14475472271442413},{"text":"Beautiful.","start":1083.175,"end":1083.675,"sentiment":"neutral","sentiment_score":0.08799141645431519}],"sentiment":"neutral","sentiment_score":0.2359821408501138,"num_words":92,"start":1054.745,"end":1083.675},{"sentences":[{"text":"Yeah.","start":1087.015,"end":1087.26,"sentiment":"neutral","sentiment_score":-0.038729190826416016},{"text":"Takes takes about four weeks for me to complete the research properly to make sure I'm looking at everything.","start":1089.8201,"end":1095.28,"sentiment":"neutral","sentiment_score":-0.01331862493565208},{"text":"So I can rebook you in for another four weeks if you're comfortable to do so, or if you prefer, my team can just let you know when the advice is ready.","start":1096.3,"end":1103.765,"sentiment":"neutral","sentiment_score":0.12583053717389703},{"text":"Do are you comfortable with me just making a time in four weeks, or what does your schedule look like?","start":1103.985,"end":1108.645,"sentiment":"neutral","sentiment_score":0.11145993787795305},{"text":"Yep.","start":1112.385,"end":1112.885,"sentiment":"neutral","sentiment_score":0.20658837258815765}],"sentiment":"neutral","sentiment_score":0.08452851034394682,"num_words":73,"start":1087.015,"end":1112.885},{"sentences":[{"text":"Beautiful.","start":1113.105,"end":1113.605,"sentiment":"positive","sentiment_score":0.6602993011474609},{"text":"Yep.","start":1114.465,"end":1114.865,"sentiment":"positive","sentiment_score":0.3897431492805481},{"text":"Beautiful.","start":1114.865,"end":1115.365,"sentiment":"positive","sentiment_score":0.7258358001708984},{"text":"Excellent.","start":1115.425,"end":1115.905,"sentiment":"positive","sentiment_score":0.6996476054191589},{"text":"Before we end the call today, I'll make sure I go back and book that appointment for you, and we'll go back and just review everything.","start":1115.905,"end":1121.7,"sentiment":"neutral","sentiment_score":0.15497885787716278}],"sentiment":"neutral","sentiment_score":0.2168325386941433,"num_words":30,"start":1113.105,"end":1121.7},{"sentences":[{"text":"Because this portfolio is much older, and while we have made that one change to the Australian equities, there might be other changes that we can make.","start":1121.7,"end":1129.08,"sentiment":"neutral","sentiment_score":-0.00245232023277182},{"text":"It's important It's important to continuously update the portfolio as time goes on and make changes to your circumstances affect your super, especially with, you know, reduction in contributions and things like that.","start":1129.54,"end":1139.995,"sentiment":"neutral","sentiment_score":0.032819852120045456},{"text":"So it is really important to keep updating things.","start":1139.995,"end":1142.495,"sentiment":"neutral","sentiment_score":0.12726357413662803},{"text":"And I can also add, like, a limited scoping to show you what the retirement projection looks like at the age of 60 for you based on the recommendations we're making to sort of show you where we're tracking for where we're heading.","start":1143.16,"end":1155.495,"sentiment":"neutral","sentiment_score":0.09725557510242906},{"text":"Does that sound okay?","start":1155.495,"end":1156.715,"sentiment":"neutral","sentiment_score":0.0995176974684}],"sentiment":"neutral","sentiment_score":0.05812306172572727,"num_words":116,"start":1121.7,"end":1156.715},{"sentences":[{"text":"Yep.","start":1158.375,"end":1158.875,"sentiment":"neutral","sentiment_score":0.225096195936203},{"text":"Do you have any questions about that?","start":1159.255,"end":1161.175,"sentiment":"neutral","sentiment_score":0.08424187983785357},{"text":"You're welcome to ask me to break something something down or if you had further questions there, Catherine.","start":1161.175,"end":1166.0751,"sentiment":"neutral","sentiment_score":0.14070693776011467},{"text":"Yeah.","start":1174.87,"end":1175.37,"sentiment":"neutral","sentiment_score":0.016357742249965668},{"text":"When you can see them.","start":1175.8301,"end":1177.05,"sentiment":"neutral","sentiment_score":0.010465946421027184}],"sentiment":"neutral","sentiment_score":0.10675630340119824,"num_words":32,"start":1158.375,"end":1177.05},{"sentences":[{"text":"Yeah.","start":1177.3501,"end":1177.8501,"sentiment":"neutral","sentiment_score":0.032216161489486694},{"text":"Yep.","start":1186.595,"end":1187.095,"sentiment":"neutral","sentiment_score":0.01024926733225584},{"text":"Yes.","start":1187.635,"end":1188.135,"sentiment":"neutral","sentiment_score":0.05422613024711609},{"text":"That's absolutely fine.","start":1190.675,"end":1191.955,"sentiment":"positive","sentiment_score":0.3449225922425588},{"text":"It's not a problem at all.","start":1191.955,"end":1193.655,"sentiment":"positive","sentiment_score":0.35132473707199097}],"sentiment":"neutral","sentiment_score":0.26995064651904005,"num_words":12,"start":1177.3501,"end":1193.655},{"sentences":[{"text":"Excellent.","start":1194.1901,"end":1194.6901,"sentiment":"positive","sentiment_score":0.49731117486953735},{"text":"When we look at the overall performance, markets have been a little bit up and down this year with everything that's been going on globally.","start":1195.63,"end":1202.61,"sentiment":"neutral","sentiment_score":-0.05782553471624851},{"text":"The net after after fees performance you've received in your super is 4.65%.","start":1203.4701,"end":1208.99,"sentiment":"neutral","sentiment_score":0.01578037841961934},{"text":"So at the moment, you are in that growth kind of environment, which generally sees about 80% in those higher risk investments like international and Australian shares, listed property and commodities.","start":1208.99,"end":1219.885,"sentiment":"neutral","sentiment_score":-0.01093231976753281},{"text":"This sort of portfolio, we are looking to track and try and obtain about a seven to 9% on an annual basis.","start":1220.745,"end":1226.26,"sentiment":"neutral","sentiment_score":0.015469549562443386}],"sentiment":"neutral","sentiment_score":-0.008062544521754202,"num_words":92,"start":1194.1901,"end":1226.26},{"sentences":[{"text":"So this year with the ups and downs the market has seen, the performance is a little bit lower.","start":1226.26,"end":1231.78,"sentiment":"neutral","sentiment_score":-0.12153861593259008},{"text":"It is underperforming based on what we would sort of like to see out of the portfolio, but it's also an understanding and expectation that markets do react differently, that we do have years of really great performances and years of not so good performances.","start":1231.78,"end":1245.9751,"sentiment":"neutral","sentiment_score":-0.14487167762385475},{"text":"So, it's understandable with everything that's been going on globally and with the ups and downs the market has seen that the performance is a little bit lower.","start":1246.275,"end":1254.26,"sentiment":"neutral","sentiment_score":-0.06344772995050464},{"text":"But I am happy to see that you've got a positive result after the last twelve months there as well.","start":1254.64,"end":1259.0399,"sentiment":"positive","sentiment_score":0.6775441646575928},{"text":"And it does mean your super has continued to grow even with what's been happening in the markets as well.","start":1259.0399,"end":1264.72,"sentiment":"positive","sentiment_score":0.5050535432994365}],"sentiment":"neutral","sentiment_score":0.09884059488434684,"num_words":132,"start":1226.26,"end":1264.72},{"sentences":[{"text":"Okay.","start":1264.72,"end":1265.115,"sentiment":"neutral","sentiment_score":0.16374826431274414},{"text":"Excellent.","start":1267.035,"end":1267.535,"sentiment":"positive","sentiment_score":0.3547239601612091},{"text":"In the email, when you are able to look at that, you do have a copy of all these documents.","start":1269.115,"end":1273.4349,"sentiment":"neutral","sentiment_score":0.12686888612806796},{"text":"So I know it's a lot of numbers to go through and a lot for me to sort of put out there.","start":1273.4349,"end":1277.49,"sentiment":"neutral","sentiment_score":0.13946586711840195},{"text":"When you do sort of look at the email, if you have additional questions, you can reply back or let us know, and we can answer those for you.","start":1278.05,"end":1284.63,"sentiment":"neutral","sentiment_score":0.09746251203890505}],"sentiment":"neutral","sentiment_score":0.12260975168175893,"num_words":73,"start":1264.72,"end":1284.63},{"sentences":[{"text":"But we have got a copy of all those documents attached for you.","start":1284.77,"end":1287.89,"sentiment":"neutral","sentiment_score":0.0681891802411813},{"text":"Okay?","start":1287.89,"end":1288.39,"sentiment":"neutral","sentiment_score":0.07073234021663666},{"text":"Excellent.","start":1289.65,"end":1290.15,"sentiment":"positive","sentiment_score":0.3990499973297119},{"text":"I also just wanted to touch on the estate planning side of things.","start":1291.265,"end":1294.3049,"sentiment":"neutral","sentiment_score":0.10212300316645549},{"text":"So last year when we caught up, you had sorry.","start":1294.3049,"end":1299.1849,"sentiment":"neutral","sentiment_score":-0.004965490102767945}],"sentiment":"neutral","sentiment_score":0.06932067949520915,"num_words":38,"start":1284.77,"end":1299.1849},{"sentences":[{"text":"There was you didn't have a will or power of attorney in place.","start":1299.1849,"end":1302.065,"sentiment":"neutral","sentiment_score":-0.035826427288926564},{"text":"It was on the list of things to get sorted.","start":1302.065,"end":1304.225,"sentiment":"neutral","sentiment_score":-0.0346639646217227},{"text":"I know you've had a lot to deal with and to do.","start":1304.225,"end":1306.68,"sentiment":"neutral","sentiment_score":-0.040535369887948036},{"text":"Have you had more of a conversation around speaking to a solicitor, having a will and power of attorney set up, or anything like that?","start":1307.2401,"end":1314.4401,"sentiment":"neutral","sentiment_score":-0.029526813849806786},{"text":"No.","start":1314.4401,"end":1314.8401,"sentiment":"neutral","sentiment_score":-0.08677338063716888}],"sentiment":"neutral","sentiment_score":-0.03481559617231127,"num_words":61,"start":1299.1849,"end":1314.8401},{"sentences":[{"text":"That's okay.","start":1314.8401,"end":1315.66,"sentiment":"neutral","sentiment_score":-0.04723360948264599},{"text":"It's all okay.","start":1317.56,"end":1318.54,"sentiment":"neutral","sentiment_score":0.005441329131523768},{"text":"We do have options where we can refer you to a solicitor for the drawing up of a will.","start":1319.16,"end":1324.1951,"sentiment":"neutral","sentiment_score":0.03177954962379054},{"text":"Did you want me to maybe send you a little bit of a general information email around different ways to access a solicitor, some, you know, costs involved in setting up of a will?","start":1324.1951,"end":1334.915,"sentiment":"neutral","sentiment_score":0.05899645557955784},{"text":"Yep.","start":1334.915,"end":1335.3151,"sentiment":"neutral","sentiment_score":0.26035547256469727}],"sentiment":"neutral","sentiment_score":0.047320392772050225,"num_words":59,"start":1314.8401,"end":1335.3151},{"sentences":[{"text":"Beautiful.","start":1335.3151,"end":1335.8151,"sentiment":"positive","sentiment_score":0.579771876335144},{"text":"I can do that.","start":1337.13,"end":1338.1101,"sentiment":"neutral","sentiment_score":0.2683204375207424},{"text":"Yep.","start":1341.05,"end":1341.4501,"sentiment":"neutral","sentiment_score":0.14548270404338837},{"text":"That's okay.","start":1341.4501,"end":1342.1901,"sentiment":"neutral","sentiment_score":0.23442164063453674},{"text":"I don't specifically email in relation to the like, recommending a certain solicitor in your area, but I can give you some general overview of one that we have access to, obviously, in Queensland here that gives you just not so much their details, but more of a costing of how much they charge to draft up a will and power of attorney to give you a bit of an idea.","start":1342.4901,"end":1363.6051,"sentiment":"neutral","sentiment_score":0.07911630693665693}],"sentiment":"neutral","sentiment_score":0.09980553676244579,"num_words":79,"start":1335.3151,"end":1363.6051},{"sentences":[{"text":"But all of the local all of the states do have access to, like, state trustees who can put you in touch with a solicitor either in your area or within your state.","start":1364.3,"end":1374.54,"sentiment":"neutral","sentiment_score":0.1090308382655635},{"text":"And I can show you or write down this, you know, how to access that, the general costing around that sort of service and what that looks like for you.","start":1374.54,"end":1382.585,"sentiment":"neutral","sentiment_score":0.12628495221336683},{"text":"Is that okay?","start":1382.585,"end":1383.485,"sentiment":"neutral","sentiment_score":0.08669644097487132},{"text":"Yep.","start":1385.385,"end":1385.865,"sentiment":"neutral","sentiment_score":0.1452796459197998},{"text":"Beautiful.","start":1385.865,"end":1386.365,"sentiment":"neutral","sentiment_score":0.3056071102619171}],"sentiment":"neutral","sentiment_score":0.11908150453339605,"num_words":68,"start":1364.3,"end":1386.365},{"sentences":[{"text":"I just am very cautious about recommending, certain solicitors because I don't know what they're like.","start":1386.505,"end":1392.81,"sentiment":"neutral","sentiment_score":-0.13453352637588978},{"text":"And this is obviously a state planning, so it's your will power of attorneys.","start":1393.11,"end":1396.7101,"sentiment":"neutral","sentiment_score":-0.09294734363045011},{"text":"They're very sensitive conversations to have.","start":1396.7101,"end":1399.2101,"sentiment":"neutral","sentiment_score":-0.23694186906019846},{"text":"So I don't wanna sort of send you to a local solicitor if they're not correct for you.","start":1399.43,"end":1404.01,"sentiment":"neutral","sentiment_score":-0.1453224445382754},{"text":"But I do know that all of the the states do have, like, a a state trustee, and they can put you in touch with a solicitor in your area, or they are just a government service that do wills and power of attorneys very easily, either either on the phone, via Teams, or in person.","start":1404.63,"end":1422.11,"sentiment":"neutral","sentiment_score":0.21516253160578863}],"sentiment":"neutral","sentiment_score":0.04143497564575889,"num_words":110,"start":1386.505,"end":1422.11},{"sentences":[{"text":"And they're much more of a cost effective way to have a very simple will and power of attorney set up for you as well if that's easier.","start":1422.57,"end":1428.51,"sentiment":"positive","sentiment_score":0.3466418417436736},{"text":"Okay.","start":1428.89,"end":1429.39,"sentiment":"neutral","sentiment_score":0.115269273519516},{"text":"Yep.","start":1430.33,"end":1430.8099,"sentiment":"neutral","sentiment_score":0.2379014790058136},{"text":"Beautiful.","start":1430.8099,"end":1431.3099,"sentiment":"positive","sentiment_score":0.4840930104255676},{"text":"With regard to your super, just double checking the beneficiaries.","start":1433.895,"end":1437.4349,"sentiment":"neutral","sentiment_score":0.23166177272796631}],"sentiment":"neutral","sentiment_score":0.31365495265983956,"num_words":41,"start":1422.57,"end":1437.4349},{"sentences":[{"text":"Now I have 50% each to Victor and Vivian.","start":1437.735,"end":1441.115,"sentiment":"neutral","sentiment_score":0.21585600078105927},{"text":"Is that how you want those structured?","start":1442.855,"end":1444.94,"sentiment":"neutral","sentiment_score":0.16187197715044022},{"text":"Yep.","start":1446.2,"end":1446.6799,"sentiment":"neutral","sentiment_score":0.15150432288646698},{"text":"Beautiful.","start":1446.6799,"end":1447.08,"sentiment":"positive","sentiment_score":0.4150660634040833},{"text":"And just confirming, Victor and Vivian, what relationship are they to you?","start":1447.08,"end":1451.58,"sentiment":"neutral","sentiment_score":0.19486096190909544}],"sentiment":"neutral","sentiment_score":0.1993569925427437,"num_words":30,"start":1437.735,"end":1451.58},{"sentences":[{"text":"Okay.","start":1453.3999,"end":1453.88,"sentiment":"positive","sentiment_score":0.3564144968986511},{"text":"Beautiful.","start":1453.88,"end":1454.36,"sentiment":"positive","sentiment_score":0.6842775344848633},{"text":"So 50% to each of your children.","start":1454.36,"end":1456.395,"sentiment":"positive","sentiment_score":0.4257143097264426},{"text":"Lovely.","start":1456.795,"end":1457.295,"sentiment":"positive","sentiment_score":0.7585783004760742},{"text":"Fantastic.","start":1458.9551,"end":1459.4551,"sentiment":"positive","sentiment_score":0.7144685387611389}],"sentiment":"positive","sentiment_score":0.4994308217005296,"num_words":11,"start":1453.3999,"end":1459.4551},{"sentences":[{"text":"And with your life insurance there as well, you would like that to be exactly the same way, a 50% paid to each of your children in the event of passing.","start":1460.795,"end":1469.63,"sentiment":"neutral","sentiment_score":0.21610464059537457},{"text":"Yep.","start":1471.13,"end":1471.61,"sentiment":"neutral","sentiment_score":0.24363982677459717},{"text":"Lovely.","start":1471.61,"end":1472.11,"sentiment":"positive","sentiment_score":0.4315640926361084},{"text":"With the insurances you have at the moment, so you've got your life and TBD paid for at from your super funds.","start":1472.65,"end":1478.91,"sentiment":"neutral","sentiment_score":0.15206694365902382},{"text":"The current sum insured for your life cover is showing 699,116.","start":1479.13,"end":1485.725,"sentiment":"neutral","sentiment_score":0.06566496633670547}],"sentiment":"neutral","sentiment_score":0.17336719951620608,"num_words":66,"start":1460.795,"end":1485.725},{"sentences":[{"text":"With the life insurance, if you were to have, say, passed away today, your life insurance cover is paid out at the sum insured of 699,116, but then your super benefit is also paid out on top of that.","start":1486.905,"end":1500.24,"sentiment":"neutral","sentiment_score":0.10658196961650482},{"text":"So it does essentially provide a benefit amount of just adding these together for you really quickly.","start":1500.24,"end":1506.66,"sentiment":"neutral","sentiment_score":0.3132011478438097},{"text":"$2.06 9.","start":1506.72,"end":1507.7,"sentiment":"neutral","sentiment_score":0.013647624757140875},{"text":"Out of that, 882,269.","start":1508.0,"end":1512.0,"sentiment":"neutral","sentiment_score":0.009150400757789612},{"text":"Do you feel like that's an appropriate level of cover?","start":1512.0,"end":1516.865,"sentiment":"neutral","sentiment_score":-0.021144086960703135}],"sentiment":"neutral","sentiment_score":0.12963294876842862,"num_words":72,"start":1486.905,"end":1516.865},{"sentences":[{"text":"Yep.","start":1521.245,"end":1521.745,"sentiment":"neutral","sentiment_score":-0.0014869170263409617},{"text":"A 100 and 83,000 for your super benefit.","start":1523.325,"end":1526.225,"sentiment":"neutral","sentiment_score":0.00352034269599244},{"text":"Yeah.","start":1533.37,"end":1533.77,"sentiment":"neutral","sentiment_score":-0.0307120680809021},{"text":"No.","start":1533.77,"end":1534.01,"sentiment":"neutral","sentiment_score":-0.054259173572063446},{"text":"So your life your life cover's the 699,000, and your suit yeah.","start":1534.01,"end":1539.595,"sentiment":"neutral","sentiment_score":-0.016985554015263915}],"sentiment":"neutral","sentiment_score":-0.011396611534544954,"num_words":23,"start":1521.245,"end":1539.595},{"sentences":[{"text":"Your super benefit's $1.83.","start":1539.595,"end":1541.515,"sentiment":"neutral","sentiment_score":0.0035659135319292545},{"text":"Sorry.","start":1541.515,"end":1542.015,"sentiment":"neutral","sentiment_score":-0.06243250146508217},{"text":"Yes.","start":1544.875,"end":1545.195,"sentiment":"neutral","sentiment_score":0.053563304245471954},{"text":"That's okay.","start":1545.195,"end":1545.9349,"sentiment":"neutral","sentiment_score":0.07921454310417175},{"text":"What would you sort of want to have paid out?","start":1547.595,"end":1549.755,"sentiment":"neutral","sentiment_score":-0.002768956683576107}],"sentiment":"neutral","sentiment_score":0.007562998682260513,"num_words":18,"start":1539.595,"end":1549.755},{"sentences":[{"text":"What would you how would you want that money distributed?","start":1549.755,"end":1552.015,"sentiment":"neutral","sentiment_score":0.0029768325388431546},{"text":"Is it just distributed 50% to each of your children for them to sort of, you know, yep, be covered and looked after and put through school and everything?","start":1552.1549,"end":1561.0901,"sentiment":"neutral","sentiment_score":0.014726149391960996},{"text":"Yep.","start":1562.67,"end":1562.99,"sentiment":"neutral","sentiment_score":0.05784144997596741},{"text":"Yep.","start":1562.99,"end":1563.31,"sentiment":"neutral","sentiment_score":0.11667279899120332},{"text":"Beautiful.","start":1563.31,"end":1563.81,"sentiment":"positive","sentiment_score":0.43712520599365234}],"sentiment":"neutral","sentiment_score":0.025439669350383894,"num_words":42,"start":1549.755,"end":1563.81},{"sentences":[{"text":"Excellent.","start":1563.9501,"end":1564.4501,"sentiment":"positive","sentiment_score":0.4005056917667389},{"text":"With the total permanent disability side of things, you have the same level of cover.","start":1564.91,"end":1569.075,"sentiment":"neutral","sentiment_score":0.053339560081561405},{"text":"So the 699,116 that you're insured for.","start":1569.1549,"end":1573.975,"sentiment":"neutral","sentiment_score":0.02162736201924937},{"text":"And, again, if you were TV'd or never able to go back to work again, then we can also claim against your super and have that released under permanent incapacity.","start":1574.4349,"end":1584.3601,"sentiment":"neutral","sentiment_score":-0.023691456578671933},{"text":"So it does give you the same level of cover as a sum insured.","start":1584.5801,"end":1587.88,"sentiment":"neutral","sentiment_score":0.019534922737096037}],"sentiment":"neutral","sentiment_score":0.013652773852001376,"num_words":67,"start":1563.9501,"end":1587.88},{"sentences":[{"text":"I'm not sure if it kind of went through last year or not, but I do like to clarify.","start":1588.66,"end":1592.2001,"sentiment":"neutral","sentiment_score":-0.07245006167182796},{"text":"If for any reason that because you're under 60, you claimed on that amount and the super benefit and your your PPD insurance was fully paid out to you as a lump sum, that is actually a tax payment, and the tax on that is up to 22%.","start":1592.42,"end":1610.0751,"sentiment":"neutral","sentiment_score":-0.1567107760347426},{"text":"So just based on this at the moment, so we'll just say $8.83 oh, $8.82.","start":1610.73,"end":1617.5499,"sentiment":"neutral","sentiment_score":-0.0491271668424209},{"text":"So based on the current sum insured of the TBD plus your super benefit, if that was taxed at 22%, it means that you would lose about a $194,099 to taxation.","start":1622.33,"end":1635.505,"sentiment":"neutral","sentiment_score":-0.22762424306523416},{"text":"Yeah.","start":1637.805,"end":1638.2051,"sentiment":"neutral","sentiment_score":-0.2751099467277527}],"sentiment":"neutral","sentiment_score":-0.14883366145455001,"num_words":114,"start":1588.66,"end":1638.2051},{"sentences":[{"text":"It's correct.","start":1638.2051,"end":1646.52,"sentiment":"neutral","sentiment_score":-0.28621596843004227},{"text":"That is a worst case scenario as well.","start":1646.52,"end":1648.6799,"sentiment":"negative","sentiment_score":-0.5185119360685349},{"text":"So, realistically, if you were unable to ever go back to work again and you claimed on TBD, we as advisers would help you with the claim, but then we would also provide advice on how how best to minimize the tax.","start":1648.6799,"end":1661.955,"sentiment":"neutral","sentiment_score":-0.15000998441662108},{"text":"Obviously, the TBD payout needs to survive and last as long as you do.","start":1662.1749,"end":1666.4149,"sentiment":"neutral","sentiment_score":0.10831008711829782},{"text":"So it's not so much of a a one or two or three year payment.","start":1666.4149,"end":1669.9,"sentiment":"neutral","sentiment_score":0.005876428385575613}],"sentiment":"neutral","sentiment_score":-0.1162525817958845,"num_words":81,"start":1638.2051,"end":1669.9},{"sentences":[{"text":"It's about keeping that money lasting through your retirement as long as possible as well.","start":1669.9,"end":1674.32,"sentiment":"neutral","sentiment_score":0.25511073172092436},{"text":"So we would also provide financial advice on how best to structure the funds, how to draw the funds down so you could live and cover your expenditure as well as keeping it invested for as long as possible as well.","start":1674.94,"end":1686.425,"sentiment":"neutral","sentiment_score":0.3170538541020417},{"text":"Okay?","start":1686.425,"end":1686.925,"sentiment":"neutral","sentiment_score":0.06254100799560547},{"text":"Yeah.","start":1688.025,"end":1688.525,"sentiment":"neutral","sentiment_score":0.0026368461549282074},{"text":"With the taxation, I do have to explain it is the highest amount.","start":1688.985,"end":1692.765,"sentiment":"neutral","sentiment_score":-0.0962325964982693}],"sentiment":"neutral","sentiment_score":0.22028201540381137,"num_words":71,"start":1669.9,"end":1692.765},{"sentences":[{"text":"So it the tax is up to 22%.","start":1692.8251,"end":1695.645,"sentiment":"neutral","sentiment_score":-0.09443699289113283},{"text":"It's just something that not not a lot of people know, and previously, I've had clients come in saying they've claimed TCD, and they, you know, they lost a good one or two hundred thousand dollars on the payment, and that's because they took it all as a lump sum.","start":1696.4601,"end":1708.72,"sentiment":"neutral","sentiment_score":-0.2096545270085335},{"text":"There are ways to minimize the tax, and there's actually a fund math equation that the the super fund and the they all do to kinda work out the taxes up to 22%.","start":1708.78,"end":1719.755,"sentiment":"neutral","sentiment_score":0.03920449451966719},{"text":"So the taxation could be a little bit less, but it just comes down to, you know, essentially your age and stage and how much you're claiming and when you are claiming.","start":1719.755,"end":1729.76,"sentiment":"neutral","sentiment_score":0.012619751098100096},{"text":"If you were to be over the age of 60 in claiming TPD, then there's no taxation on that.","start":1729.76,"end":1735.28,"sentiment":"neutral","sentiment_score":0.09700602606723183}],"sentiment":"neutral","sentiment_score":-0.05420793974640924,"num_words":142,"start":1692.8251,"end":1735.28},{"sentences":[{"text":"That is fully tax free.","start":1735.28,"end":1736.745,"sentiment":"neutral","sentiment_score":0.33055475950241087},{"text":"Yes.","start":1738.745,"end":1739.245,"sentiment":"neutral","sentiment_score":0.2646484375},{"text":"That's okay.","start":1739.465,"end":1740.1849,"sentiment":"positive","sentiment_score":0.42526954412460327},{"text":"That is a lot.","start":1740.1849,"end":1740.905,"sentiment":"positive","sentiment_score":0.4506876841187477},{"text":"I get that.","start":1740.905,"end":1741.545,"sentiment":"positive","sentiment_score":0.3435165186723073}],"sentiment":"positive","sentiment_score":0.3734174410502116,"num_words":15,"start":1735.28,"end":1741.545},{"sentences":[{"text":"Do you have any questions in relation to what I've just gone through for you?","start":1741.545,"end":1745.965,"sentiment":"neutral","sentiment_score":0.12914659728606542},{"text":"No.","start":1747.945,"end":1748.1849,"sentiment":"neutral","sentiment_score":-0.2676674425601959},{"text":"That's okay.","start":1748.1849,"end":1748.745,"sentiment":"neutral","sentiment_score":-0.10825882107019424},{"text":"Are you fairly happy with the level of TBD you have at the moment?","start":1748.745,"end":1756.6799,"sentiment":"neutral","sentiment_score":0.06035531099353518},{"text":"Yeah.","start":1757.12,"end":1757.62,"sentiment":"neutral","sentiment_score":0.11866030097007751}],"sentiment":"neutral","sentiment_score":0.07323177362030203,"num_words":33,"start":1741.545,"end":1757.62},{"sentences":[{"text":"That's okay.","start":1757.8401,"end":1758.56,"sentiment":"neutral","sentiment_score":0.21428539603948593},{"text":"That's alright.","start":1758.56,"end":1759.3,"sentiment":"neutral","sentiment_score":0.21417482197284698},{"text":"When you're looking at the documents no.","start":1759.68,"end":1763.52,"sentiment":"neutral","sentiment_score":-0.018083213163273677},{"text":"It was it's an individual choice.","start":1763.52,"end":1765.36,"sentiment":"neutral","sentiment_score":-0.05986360336343447},{"text":"Not everyone does.","start":1765.36,"end":1766.3201,"sentiment":"neutral","sentiment_score":-0.1558931072552999}],"sentiment":"neutral","sentiment_score":-0.004826149903237819,"num_words":20,"start":1757.8401,"end":1766.3201},{"sentences":[{"text":"I've got clients who only wanna cover, you know, their debts, their mortgages.","start":1766.3201,"end":1770.6549,"sentiment":"neutral","sentiment_score":-0.06551925064279483},{"text":"You technically don't have a mortgage on your property, so, you know, that's, you know, something that you don't have to realistically worry about.","start":1771.0349,"end":1778.015,"sentiment":"neutral","sentiment_score":0.013825606962200254},{"text":"Other clients want to cover themselves from, you know, their current income from the age of 25 to 65.","start":1778.395,"end":1784.99,"sentiment":"neutral","sentiment_score":0.11548073472161043},{"text":"Other clients just want a couple of years of income replacement, and some people just find that there's a certain amount of cover they're comfortable having.","start":1784.99,"end":1792.35,"sentiment":"neutral","sentiment_score":0.21491361495393974},{"text":"So admittedly, TBD, whilst you are on an income protection claim, is very difficult to increase.","start":1792.35,"end":1798.635,"sentiment":"neutral","sentiment_score":-0.0015106728533282876}],"sentiment":"neutral","sentiment_score":0.07385491317955359,"num_words":98,"start":1766.3201,"end":1798.635},{"sentences":[{"text":"So they would exclude any preexisting conditions that you have gone through.","start":1798.6951,"end":1802.6951,"sentiment":"neutral","sentiment_score":-0.03752245381474495},{"text":"So the fact that you with the breast cancer, they would, you know, exclude that probably or or any symptoms of.","start":1802.6951,"end":1809.02,"sentiment":"neutral","sentiment_score":-0.1270801148244313},{"text":"But in saying that, it's gotta also cover what you wanted to cover.","start":1809.9601,"end":1813.66,"sentiment":"neutral","sentiment_score":0.01955307310876938},{"text":"If you were to as much as you're 48, you're only 48 this year.","start":1813.8,"end":1818.3601,"sentiment":"neutral","sentiment_score":-0.012742256013942617},{"text":"So 47 now, 48 this year, you still have a lot of life to live, and TPD does have to provide as long as possible or cover for as long as possible.","start":1818.3601,"end":1828.755,"sentiment":"neutral","sentiment_score":0.058032477274537086}],"sentiment":"neutral","sentiment_score":-0.012892545848760916,"num_words":92,"start":1798.6951,"end":1828.755},{"sentences":[{"text":"Because while some people do claim TPD and then within two, three, or four years can find another job to go back to, Other people do claim TPD and can never ever go back to work again.","start":1828.755,"end":1840.4,"sentiment":"neutral","sentiment_score":-0.18275958098269798},{"text":"They are fully disabled, and that amount of money has to suffice and and give them enough living expenses for as long as possible for them and their families.","start":1840.4,"end":1848.895,"sentiment":"neutral","sentiment_score":-0.15380914791904646},{"text":"So it's a very the goal for what level of cover is important to you is different for everybody.","start":1848.895,"end":1855.195,"sentiment":"neutral","sentiment_score":0.17073652187460348},{"text":"And if you found that wasn't enough to you, you're welcome to let me know.","start":1855.895,"end":1860.315,"sentiment":"neutral","sentiment_score":0.1240426853299141},{"text":"I will go out there, look at, obviously, what is available to you, look at the costing of that, how we structure it, and update the recommendations to try and reflect.","start":1860.695,"end":1869.49,"sentiment":"neutral","sentiment_score":0.2184943340478405}],"sentiment":"neutral","sentiment_score":0.005002967672038624,"num_words":131,"start":1828.755,"end":1869.49},{"sentences":[{"text":"If we were to go out there and find that we weren't able to increase or weren't able to get anything different, that is a conversation we would have to come back and have.","start":1869.95,"end":1877.8099,"sentiment":"neutral","sentiment_score":-0.09360566231257775},{"text":"But it's it's gotta be about what's important to you as well, the level of cover that's right for you and your goals.","start":1878.6951,"end":1884.155,"sentiment":"neutral","sentiment_score":0.21435361809056738},{"text":"Okay?","start":1884.295,"end":1884.795,"sentiment":"neutral","sentiment_score":0.10890120267868042},{"text":"Oh, good.","start":1886.535,"end":1887.275,"sentiment":"neutral","sentiment_score":0.18138932436704636},{"text":"Sorry.","start":1888.215,"end":1888.535,"sentiment":"neutral","sentiment_score":0.01578199863433838}],"sentiment":"neutral","sentiment_score":0.03663938602463144,"num_words":61,"start":1869.95,"end":1888.535},{"sentences":[{"text":"It's a lot of information.","start":1888.535,"end":1889.755,"sentiment":"neutral","sentiment_score":0.10725292563438416},{"text":"Let me know if any questions do happen to come up, Catherine.","start":1890.26,"end":1893.3201,"sentiment":"neutral","sentiment_score":0.08891297814746697},{"text":"Easy.","start":1896.02,"end":1896.52,"sentiment":"neutral","sentiment_score":0.11319231241941452},{"text":"You've got your income protection policy there.","start":1897.14,"end":1899.2201,"sentiment":"neutral","sentiment_score":0.030199974509222165},{"text":"You're on that claim at the moment, and that's being paid out of pocket.","start":1899.2201,"end":1903.54,"sentiment":"neutral","sentiment_score":-0.036148970863515775}],"sentiment":"neutral","sentiment_score":0.036454536098365985,"num_words":39,"start":1888.535,"end":1903.54},{"sentences":[{"text":"You still have your trauma policy, which has been reinstated as well.","start":1903.54,"end":1908.0651,"sentiment":"neutral","sentiment_score":-0.013962933017561832},{"text":"The current trauma amount is 187,030, and currently, the out of well, I know the income protection, you're not currently paying for that because you're on claim at the moment.","start":1908.525,"end":1919.99,"sentiment":"neutral","sentiment_score":-0.0627524919807911},{"text":"But the certificate of the currency shows the expected out of pocket cost is $261.57 per month.","start":1920.45,"end":1927.1901,"sentiment":"neutral","sentiment_score":-0.11209466921932557},{"text":"Because you're on an income protection claim, they shouldn't be you normally don't pay the income protection amount.","start":1927.33,"end":1935.4451,"sentiment":"neutral","sentiment_score":-0.1987416355146302},{"text":"So that amount you're currently paying out of pocket, that would be less.","start":1935.585,"end":1938.625,"sentiment":"neutral","sentiment_score":-0.15622033178806305}],"sentiment":"neutral","sentiment_score":-0.10626614538745748,"num_words":90,"start":1903.54,"end":1938.625},{"sentences":[{"text":"Have you had a look at your bank statements and how much the insurer is deducting on a monthly basis out of pocket for your insurances?","start":1938.625,"end":1945.605,"sentiment":"neutral","sentiment_score":-0.053196266293525696},{"text":"Do you know how much, nearest are deducting from your bank account on a monthly basis for your current insurance policies out of pocket?","start":1951.1799,"end":1958.955,"sentiment":"neutral","sentiment_score":-0.009688019500269244},{"text":"Yes.","start":1963.515,"end":1964.015,"sentiment":"neutral","sentiment_score":0.005873186979442835},{"text":"That's okay.","start":1967.355,"end":1968.1749,"sentiment":"neutral","sentiment_score":-0.01132020354270935},{"text":"Yeah.","start":1968.7949,"end":1969.115,"sentiment":"neutral","sentiment_score":0.019219007343053814}],"sentiment":"neutral","sentiment_score":-0.029873400081500964,"num_words":54,"start":1938.625,"end":1969.115},{"sentences":[{"text":"Absolutely.","start":1969.115,"end":1969.615,"sentiment":"neutral","sentiment_score":0.0640285313129425},{"text":"Beautiful.","start":1995.745,"end":1996.245,"sentiment":"neutral","sentiment_score":0.21927565336227417},{"text":"Yep.","start":1997.345,"end":1997.845,"sentiment":"neutral","sentiment_score":0.06557852029800415},{"text":"Yes.","start":1998.7849,"end":1999.1849,"sentiment":"neutral","sentiment_score":0.05320239812135696},{"text":"That's correct.","start":1999.1849,"end":2000.25,"sentiment":"neutral","sentiment_score":0.1072644293308258}],"sentiment":"neutral","sentiment_score":0.10276899362603824,"num_words":6,"start":1969.115,"end":2000.25},{"sentences":[{"text":"Yeah.","start":2000.71,"end":2000.95,"sentiment":"neutral","sentiment_score":0.18654334545135495},{"text":"Beautiful.","start":2000.95,"end":2001.45,"sentiment":"neutral","sentiment_score":0.3174818754196167},{"text":"So the documentation you'll have in your annual review packet notes the monthly premium is $2.61 57.","start":2001.75,"end":2009.21,"sentiment":"neutral","sentiment_score":0.04230120493208661},{"text":"That is just based on the specific of currency that we have, but you are paying less because whilst you're on an income protection claim, they don't get you to pay the premiums.","start":2009.4299,"end":2018.0449,"sentiment":"neutral","sentiment_score":-0.016142353641264366},{"text":"The premiums are always frozen whilst you're on a claim.","start":2018.0449,"end":2020.7649,"sentiment":"neutral","sentiment_score":-0.09028256684541702}],"sentiment":"neutral","sentiment_score":-0.00342544570805565,"num_words":62,"start":2000.71,"end":2020.7649},{"sentences":[{"text":"So that's why there'll be a difference between what you see in your annual review pack or the certificate of currency versus what's actually coming out of your bank account at the moment.","start":2020.7649,"end":2028.865,"sentiment":"neutral","sentiment_score":-0.05544160989423593},{"text":"Okay?","start":2033.0901,"end":2033.41,"sentiment":"neutral","sentiment_score":-0.028804533183574677},{"text":"It'll start again.","start":2033.41,"end":2035.3501,"sentiment":"neutral","sentiment_score":-0.052394783745209374},{"text":"Yeah.","start":2036.05,"end":2036.37,"sentiment":"neutral","sentiment_score":-0.01249315869063139},{"text":"It will start again.","start":2036.37,"end":2037.67,"sentiment":"neutral","sentiment_score":-0.013772950042039156}],"sentiment":"neutral","sentiment_score":-0.04959873737589944,"num_words":42,"start":2020.7649,"end":2037.67},{"sentences":[{"text":"Yeah.","start":2037.7301,"end":2038.2101,"sentiment":"neutral","sentiment_score":0.02671901509165764},{"text":"Yep.","start":2038.2101,"end":2038.7101,"sentiment":"neutral","sentiment_score":0.04766932874917984},{"text":"And you've got a five year benefit, so you should have about roughly three years left of the income policy.","start":2039.41,"end":2045.685,"sentiment":"neutral","sentiment_score":0.03210790767334402},{"text":"Is that right?","start":2045.745,"end":2046.485,"sentiment":"neutral","sentiment_score":0.023849742487072945},{"text":"Yep.","start":2048.305,"end":2048.805,"sentiment":"neutral","sentiment_score":0.07732339203357697}],"sentiment":"neutral","sentiment_score":0.033285350646250524,"num_words":26,"start":2037.7301,"end":2048.805},{"sentences":[{"text":"Yep.","start":2048.945,"end":2049.445,"sentiment":"neutral","sentiment_score":0.13881415128707886},{"text":"Beautiful.","start":2049.905,"end":2050.405,"sentiment":"positive","sentiment_score":0.5274384021759033},{"text":"Excellent.","start":2050.7852,"end":2051.2852,"sentiment":"positive","sentiment_score":0.5677312612533569},{"text":"Well, hopefully, things get a little bit better for you and you you know, the pain eases.","start":2051.905,"end":2056.145,"sentiment":"positive","sentiment_score":0.33820535856134754},{"text":"I do hope that you can get back to work a few more days.","start":2056.145,"end":2059.42,"sentiment":"neutral","sentiment_score":0.2811715773173741}],"sentiment":"neutral","sentiment_score":0.32117285272654367,"num_words":34,"start":2048.945,"end":2059.42},{"sentences":[{"text":"Yeah.","start":2061.96,"end":2062.3599,"sentiment":"neutral","sentiment_score":0.07763973623514175},{"text":"It is I have gone through a lot for you.","start":2062.3599,"end":2065.5598,"sentiment":"neutral","sentiment_score":0.08529900945723057},{"text":"Are there any questions that might be coming out of anything at all at the moment?","start":2065.5598,"end":2069.42,"sentiment":"neutral","sentiment_score":0.01546375930774957},{"text":"No.","start":2071.72,"end":2072.0398,"sentiment":"neutral","sentiment_score":-0.094089113175869},{"text":"That's okay.","start":2072.0398,"end":2072.625,"sentiment":"neutral","sentiment_score":-0.0839461013674736}],"sentiment":"neutral","sentiment_score":0.030535622127354146,"num_words":30,"start":2061.96,"end":2072.625},{"sentences":[{"text":"I am sorry.","start":2072.625,"end":2073.105,"sentiment":"neutral","sentiment_score":-0.09020769099394481},{"text":"It's a lot of information.","start":2073.105,"end":2074.565,"sentiment":"neutral","sentiment_score":-0.03814418762922287},{"text":"Yep.","start":2075.585,"end":2075.985,"sentiment":"neutral","sentiment_score":0.05002249777317047},{"text":"Yeah.","start":2075.985,"end":2076.305,"sentiment":"neutral","sentiment_score":0.09519262611865996},{"text":"Absolutely.","start":2076.305,"end":2076.805,"sentiment":"neutral","sentiment_score":0.15572011470794678}],"sentiment":"neutral","sentiment_score":-0.01458261568437923,"num_words":11,"start":2072.625,"end":2076.805},{"sentences":[{"text":"Not a problem.","start":2077.505,"end":2078.485,"sentiment":"neutral","sentiment_score":0.17420094708601633},{"text":"Let's make that for you now.","start":2079.265,"end":2081.265,"sentiment":"neutral","sentiment_score":0.15020261208216348},{"text":"So it takes about four weeks for me to complete the research properly for you.","start":2081.265,"end":2085.66,"sentiment":"neutral","sentiment_score":0.0907159250229597},{"text":"So July 29, that brings us to the August 26.","start":2085.66,"end":2092.0,"sentiment":"neutral","sentiment_score":0.01600207444280386},{"text":"One, two, three, four.","start":2094.22,"end":2095.8198,"sentiment":"neutral","sentiment_score":0.020005199126899242}],"sentiment":"neutral","sentiment_score":0.07959470868502792,"num_words":38,"start":2077.505,"end":2095.8198},{"sentences":[{"text":"Yeah.","start":2095.8198,"end":2096.14,"sentiment":"neutral","sentiment_score":0.03104361891746521},{"text":"August 26.","start":2096.14,"end":2097.44,"sentiment":"neutral","sentiment_score":0.021228074096143246},{"text":"Yeah.","start":2097.8198,"end":2098.095,"sentiment":"neutral","sentiment_score":0.04054415971040726},{"text":"Did you prefer a Wednesday?","start":2099.935,"end":2101.555,"sentiment":"neutral","sentiment_score":0.051628948748111726},{"text":"What day is generally best for yourself?","start":2101.855,"end":2104.195,"sentiment":"neutral","sentiment_score":0.05934116882937295}],"sentiment":"neutral","sentiment_score":0.049223553272895515,"num_words":16,"start":2095.8198,"end":2104.195},{"sentences":[{"text":"A Tuesday?","start":2112.015,"end":2112.675,"sentiment":"neutral","sentiment_score":0.06106550432741642},{"text":"Absolutely.","start":2112.7349,"end":2113.2349,"sentiment":"neutral","sentiment_score":0.2301135212182999},{"text":"And is it morning or afternoon that normally suits you better for the call?","start":2114.2898,"end":2118.15,"sentiment":"neutral","sentiment_score":0.11037881512727056},{"text":"Morning?","start":2120.45,"end":2120.93,"sentiment":"neutral","sentiment_score":0.07038950175046921},{"text":"That's okay.","start":2120.93,"end":2121.5698,"sentiment":"neutral","sentiment_score":0.1369674876332283}],"sentiment":"neutral","sentiment_score":0.11209362093359232,"num_words":20,"start":2112.015,"end":2121.5698},{"sentences":[{"text":"Did you want sort of first thing in the morning, nine or 10:00?","start":2121.5698,"end":2124.63,"sentiment":"neutral","sentiment_score":0.05202402031192413},{"text":"Or 10:00?","start":2124.7698,"end":2128.29,"sentiment":"neutral","sentiment_score":0.05524680018424988},{"text":"Beautiful.","start":2128.29,"end":2128.33,"sentiment":"positive","sentiment_score":0.510064423084259},{"text":"There we go.","start":2128.33,"end":2128.45,"sentiment":"neutral","sentiment_score":0.330349067846934},{"text":"It is.","start":2128.45,"end":2129.0298,"sentiment":"neutral","sentiment_score":0.235924631357193}],"sentiment":"neutral","sentiment_score":0.13141746446490288,"num_words":21,"start":2121.5698,"end":2129.0298},{"sentences":[{"text":"There we go.","start":2130.615,"end":2131.5151,"sentiment":"neutral","sentiment_score":0.10131353884935379},{"text":"It is the twenty fifth.","start":2132.935,"end":2134.295,"sentiment":"neutral","sentiment_score":0.051798928529024124},{"text":"Yeah.","start":2134.295,"end":2134.795,"sentiment":"neutral","sentiment_score":0.18793050944805145},{"text":"The year is going by very fast.","start":2135.2551,"end":2137.595,"sentiment":"positive","sentiment_score":0.3443487712315151},{"text":"Beautiful.","start":2142.615,"end":2143.115,"sentiment":"positive","sentiment_score":0.656086802482605}],"sentiment":"neutral","sentiment_score":0.22455258645555554,"num_words":17,"start":2130.615,"end":2143.115},{"sentences":[{"text":"So what I'll do is I've just looked in my calendar.","start":2143.5,"end":2146.22,"sentiment":"neutral","sentiment_score":0.2241805697029287},{"text":"I'll add your email to the invite so it pops up with an email invitation for you to see because it is a couple of weeks away there.","start":2146.22,"end":2154.08,"sentiment":"neutral","sentiment_score":0.18583058725510324},{"text":"And if you find at any point that that changes or something comes up and you, you know, need a different time, just feel free to let me know, and we can reschedule it to a more suitable time for you.","start":2154.46,"end":2164.755,"sentiment":"neutral","sentiment_score":0.0877400683920558},{"text":"But at the moment, that is all locked in there for you for 10AM on the August 25 there.","start":2164.755,"end":2170.9148,"sentiment":"neutral","sentiment_score":0.031944084226300844},{"text":"Okay?","start":2170.9148,"end":2171.4148,"sentiment":"neutral","sentiment_score":0.08553020656108856}],"sentiment":"neutral","sentiment_score":0.11959053320810199,"num_words":100,"start":2143.5,"end":2171.4148},{"sentences":[{"text":"Lovely.","start":2173.27,"end":2173.75,"sentiment":"positive","sentiment_score":0.5810232758522034},{"text":"That's okay.","start":2173.75,"end":2174.5698,"sentiment":"positive","sentiment_score":0.3830488473176956},{"text":"Now just to kind of recap, what I'm gonna be researching is looking at your suit for the current structure, the investments within.","start":2174.95,"end":2180.89,"sentiment":"neutral","sentiment_score":0.08644248496579088},{"text":"I'll factor in the employer contributions that you have going in there based on the previous income of about 12,000 per annum.","start":2181.67,"end":2191.385,"sentiment":"neutral","sentiment_score":0.07669862986288288},{"text":"I'll also sort of compare that with what's going into your sleep on a regular basis to make sure that adds up there for you.","start":2192.085,"end":2198.185,"sentiment":"neutral","sentiment_score":0.12152413994073868}],"sentiment":"neutral","sentiment_score":0.11042152712606404,"num_words":73,"start":2173.27,"end":2198.185},{"sentences":[{"text":"I will project out and look at additional contributions you were comfortable with $50 on a monthly basis to begin with.","start":2198.75,"end":2205.71,"sentiment":"neutral","sentiment_score":0.14464824540274485},{"text":"Does that sound accurate?","start":2205.71,"end":2206.8298,"sentiment":"neutral","sentiment_score":0.09606695361435413},{"text":"Have I missed anything there at all?","start":2206.8298,"end":2208.77,"sentiment":"neutral","sentiment_score":-0.09058788897735733},{"text":"No?","start":2210.27,"end":2210.77,"sentiment":"neutral","sentiment_score":-0.012202631682157516},{"text":"Fantastic.","start":2211.31,"end":2211.81,"sentiment":"positive","sentiment_score":0.4564020037651062}],"sentiment":"neutral","sentiment_score":0.09505779756342664,"num_words":34,"start":2198.75,"end":2211.81},{"sentences":[{"text":"I will also just retain insurances exactly as they are for the moment.","start":2213.175,"end":2217.5151,"sentiment":"neutral","sentiment_score":0.23299910242740923},{"text":"If you like, as part of that recap email, I can just note down your current insurance policy with a little bit of detail around life, TPD, and income and income protection and trauma for you just to kind of reiterate.","start":2217.5752,"end":2228.73,"sentiment":"neutral","sentiment_score":0.0663320684760082},{"text":"And then if you do find you have additional questions, you can let me know, and I'll send through some details on solicitors and, like, the the different information around the wills and power of attorneys for you, some general information.","start":2229.51,"end":2241.77,"sentiment":"neutral","sentiment_score":0.07960938471483021},{"text":"Does that sound okay?","start":2241.935,"end":2243.075,"sentiment":"neutral","sentiment_score":0.07808785699307919},{"text":"Yep.","start":2244.7349,"end":2245.215,"sentiment":"neutral","sentiment_score":0.19655489921569824}],"sentiment":"neutral","sentiment_score":0.0952149423956871,"num_words":100,"start":2213.175,"end":2245.215},{"sentences":[{"text":"Fantastic.","start":2245.215,"end":2245.715,"sentiment":"positive","sentiment_score":0.6731721758842468},{"text":"Everything else looks pretty good.","start":2248.015,"end":2249.875,"sentiment":"positive","sentiment_score":0.6927591681480407},{"text":"Do you have any other goals, whether it be long term, medium term that you're looking to sort of achieve or in the next, you know, one, two, three, five, or ten years?","start":2250.175,"end":2260.31,"sentiment":"neutral","sentiment_score":0.15308992372769298},{"text":"No.","start":2263.89,"end":2264.13,"sentiment":"neutral","sentiment_score":-0.1715673804283142},{"text":"That's okay.","start":2264.13,"end":2264.93,"sentiment":"neutral","sentiment_score":-0.1298556849360466}],"sentiment":"neutral","sentiment_score":0.2085156368889979,"num_words":42,"start":2245.215,"end":2264.93},{"sentences":[{"text":"That's absolutely fine.","start":2264.93,"end":2266.47,"sentiment":"neutral","sentiment_score":0.015563304225603735},{"text":"That's okay.","start":2267.49,"end":2268.29,"sentiment":"neutral","sentiment_score":0.1503848358988762},{"text":"We'll just focus on super for the moment.","start":2268.29,"end":2270.3699,"sentiment":"neutral","sentiment_score":0.12221162300556898},{"text":"If anything does change or come up, please let us know.","start":2270.3699,"end":2273.7751,"sentiment":"neutral","sentiment_score":0.006245054473931139},{"text":"You're still technically a pharmacist, and you're still going back to work for Wizard Pharmacy.","start":2273.835,"end":2279.435,"sentiment":"neutral","sentiment_score":-0.015034702233970165}],"sentiment":"neutral","sentiment_score":0.029957118826225784,"num_words":39,"start":2264.93,"end":2279.435},{"sentences":[{"text":"Has any of that changed?","start":2279.435,"end":2280.815,"sentiment":"neutral","sentiment_score":-0.015589999035000801},{"text":"Nope.","start":2282.955,"end":2283.355,"sentiment":"neutral","sentiment_score":-0.07381563633680344},{"text":"That's okay.","start":2283.355,"end":2283.96,"sentiment":"neutral","sentiment_score":0.010057969484478235},{"text":"Fantastic.","start":2285.08,"end":2285.58,"sentiment":"positive","sentiment_score":0.5324769020080566},{"text":"Fantastic.","start":2286.04,"end":2286.54,"sentiment":"positive","sentiment_score":0.48138657212257385}],"sentiment":"neutral","sentiment_score":0.08822137815877795,"num_words":10,"start":2279.435,"end":2286.54},{"sentences":[{"text":"Other than that, I've got you booked in on the twenty fifth, so I'll go back and do a little bit of research around the super side of things.","start":2287.96,"end":2293.72,"sentiment":"neutral","sentiment_score":0.24553790380214824},{"text":"If any questions do pop up, please let me know.","start":2293.72,"end":2296.3,"sentiment":"neutral","sentiment_score":0.1253042511641979},{"text":"I'll send you the email, and you can always email me back if you do happen happen to have any additional questions.","start":2296.52,"end":2301.785,"sentiment":"neutral","sentiment_score":0.1475515396080234},{"text":"In the and the review pack, we have, as I mentioned, a copy of all the documents that I have gone through today explaining everything I've run through.","start":2302.245,"end":2309.205,"sentiment":"neutral","sentiment_score":0.11350962918783937},{"text":"It does also have your ongoing service agreement.","start":2309.205,"end":2311.685,"sentiment":"neutral","sentiment_score":0.10073130670934916}],"sentiment":"neutral","sentiment_score":0.16086490375479473,"num_words":97,"start":2287.96,"end":2311.685},{"sentences":[{"text":"So, for us to look after your super, monitor everything, and keep providing advice working towards your goals, we do charge an ongoing service fee.","start":2311.685,"end":2320.4202,"sentiment":"neutral","sentiment_score":0.17003692537546158},{"text":"It is 1.65% per annum, and it is deducted in smaller monthly increments out of your super.","start":2320.48,"end":2326.0,"sentiment":"neutral","sentiment_score":0.11379530324655421},{"text":"So we wanna make sure your super is building and getting that 1.65% and then additional growth on top of that as well.","start":2326.0,"end":2333.2551,"sentiment":"neutral","sentiment_score":0.2816460832305577},{"text":"So if you're happy to stay Yes.","start":2333.2551,"end":2336.875,"sentiment":"neutral","sentiment_score":0.178146416587489},{"text":"Mhmm.","start":2341.415,"end":2341.68,"sentiment":"neutral","sentiment_score":-0.02750387042760849}],"sentiment":"neutral","sentiment_score":0.19017567465158358,"num_words":73,"start":2311.685,"end":2341.68},{"sentences":[{"text":"Mhmm.","start":2343.04,"end":2343.54,"sentiment":"neutral","sentiment_score":-0.03252530097961426},{"text":"Our fees are normally 1.65% on a regular basis.","start":2344.72,"end":2349.8599,"sentiment":"neutral","sentiment_score":-0.07633213077982266},{"text":"I don't have any notes here to say that that was reduced or should be lower as an ongoing basis.","start":2350.96,"end":2356.9,"sentiment":"neutral","sentiment_score":-0.16201499588787555},{"text":"Okay.","start":2373.23,"end":2373.73,"sentiment":"neutral","sentiment_score":-0.03664015233516693},{"text":"Would it have been maybe 1.10%?","start":2376.19,"end":2379.33,"sentiment":"neutral","sentiment_score":-0.030983849118153255}],"sentiment":"neutral","sentiment_score":-0.11303669304863827,"num_words":37,"start":2343.04,"end":2379.33},{"sentences":[{"text":"Yep.","start":2381.87,"end":2382.35,"sentiment":"neutral","sentiment_score":0.05599738657474518},{"text":"Yep.","start":2382.35,"end":2382.67,"sentiment":"neutral","sentiment_score":0.07517881691455841},{"text":"That's okay.","start":2382.67,"end":2383.41,"sentiment":"neutral","sentiment_score":0.14457601308822632},{"text":"I can seek approval to see if they're willing to see if our head of advice is willing to adjust the fees for that for the year for you if you like.","start":2384.19,"end":2392.855,"sentiment":"neutral","sentiment_score":0.06015355815179646},{"text":"But as your balance increases, there's a lot more work around it, and updating the advice on a regular basis does mean that we do have to charge your ongoing service fee.","start":2394.035,"end":2402.24,"sentiment":"neutral","sentiment_score":-0.046781943703535944}],"sentiment":"neutral","sentiment_score":0.012473821941324893,"num_words":68,"start":2381.87,"end":2402.24},{"sentences":[{"text":"And as advisers, we are professional service as well.","start":2402.54,"end":2405.52,"sentiment":"neutral","sentiment_score":0.0067941319818298025},{"text":"So we do normally charge 1.1 oh, sorry.","start":2405.6602,"end":2408.22,"sentiment":"neutral","sentiment_score":-0.013325795065611601},{"text":"1.65%.","start":2408.22,"end":2409.6,"sentiment":"neutral","sentiment_score":-0.018416954204440117},{"text":"I can go back to our head of advice and put your case forward and see if they're willing to adjust to 1.10 for the next year for you.","start":2410.06,"end":2417.215,"sentiment":"neutral","sentiment_score":0.010134718308610648},{"text":"Yep.","start":2419.0352,"end":2419.5151,"sentiment":"neutral","sentiment_score":0.14900046586990356}],"sentiment":"neutral","sentiment_score":0.007896482706807243,"num_words":48,"start":2402.54,"end":2419.5151},{"sentences":[{"text":"Beautiful.","start":2419.5151,"end":2420.0151,"sentiment":"positive","sentiment_score":0.5380644798278809},{"text":"That's okay.","start":2420.875,"end":2421.5952,"sentiment":"neutral","sentiment_score":0.2584296762943268},{"text":"Not a problem at all.","start":2421.5952,"end":2422.635,"sentiment":"neutral","sentiment_score":0.15834110230207443},{"text":"I'll let you know what the outcome is.","start":2422.635,"end":2424.655,"sentiment":"neutral","sentiment_score":0.16113958321511745},{"text":"If they agree to that, then a new ongoing service agreement will be sent out to you to sign and return back.","start":2424.7952,"end":2430.43,"sentiment":"neutral","sentiment_score":0.13121008094061504}],"sentiment":"neutral","sentiment_score":0.15848336290372045,"num_words":38,"start":2419.5151,"end":2430.43},{"sentences":[{"text":"If they don't, I'll come back and let you know.","start":2430.81,"end":2432.57,"sentiment":"neutral","sentiment_score":0.029311781749129295},{"text":"I would have to ask the question and seek approval from a head of advice in relation to that for you.","start":2432.57,"end":2437.71,"sentiment":"neutral","sentiment_score":0.045225465758925394},{"text":"Excellent.","start":2438.09,"end":2438.59,"sentiment":"positive","sentiment_score":0.564216136932373},{"text":"Happy to go back and do it.","start":2438.81,"end":2440.09,"sentiment":"positive","sentiment_score":0.586650686604636},{"text":"Not a problem at all, Catherine.","start":2440.09,"end":2441.55,"sentiment":"neutral","sentiment_score":0.1568025959034761}],"sentiment":"neutral","sentiment_score":0.15232086926698685,"num_words":45,"start":2430.81,"end":2441.55},{"sentences":[{"text":"We also do have our tax file consent form attached there.","start":2441.865,"end":2444.905,"sentiment":"neutral","sentiment_score":0.09187702360478314},{"text":"So we do hold your tax phone number.","start":2444.905,"end":2446.985,"sentiment":"neutral","sentiment_score":0.028669961728155613},{"text":"It is sensitive information.","start":2446.985,"end":2448.365,"sentiment":"neutral","sentiment_score":-0.06458830740302801},{"text":"We are very security conscious.","start":2448.425,"end":2449.945,"sentiment":"neutral","sentiment_score":-0.07644196972250938},{"text":"That's why whenever you call us or we call you, we do security.","start":2449.945,"end":2453.485,"sentiment":"neutral","sentiment_score":0.05314531205938412}],"sentiment":"neutral","sentiment_score":0.03147153492744376,"num_words":41,"start":2441.865,"end":2453.485},{"sentences":[{"text":"Just making sure that all the information we hold that is tax phone number, and we just get you to sign and return that back just confirming that you are aware of that.","start":2453.785,"end":2466.74,"sentiment":"neutral","sentiment_score":0.10943112736850073},{"text":"Okay.","start":2466.74,"end":2467.24,"sentiment":"neutral","sentiment_score":0.13387617468833923},{"text":"Okay.","start":2468.5,"end":2468.9,"sentiment":"neutral","sentiment_score":0.2838428020477295},{"text":"Beautiful.","start":2468.9,"end":2469.4,"sentiment":"positive","sentiment_score":0.34411007165908813},{"text":"I'll do a little recap email for you shortly so you've got all the information I've gone through and some estate planning details there.","start":2470.1948,"end":2477.315,"sentiment":"neutral","sentiment_score":0.31356799850861233}],"sentiment":"neutral","sentiment_score":0.1983114702627063,"num_words":60,"start":2453.785,"end":2477.315},{"sentences":[{"text":"And if you find you have questions, let me know.","start":2477.315,"end":2479.2349,"sentiment":"neutral","sentiment_score":0.19288270324468612},{"text":"Okay?","start":2479.2349,"end":2479.7349,"sentiment":"neutral","sentiment_score":0.13361269235610962},{"text":"That's okay.","start":2481.635,"end":2482.4348,"sentiment":"neutral","sentiment_score":0.3144334554672241},{"text":"Is there any questions that might have popped up at the end of the call at all?","start":2482.4348,"end":2486.1902,"sentiment":"neutral","sentiment_score":0.054477499907507616},{"text":"Or nope.","start":2486.1902,"end":2488.9302,"sentiment":"neutral","sentiment_score":-0.10762914270162582}],"sentiment":"neutral","sentiment_score":0.10631768277380615,"num_words":32,"start":2477.315,"end":2488.9302},{"sentences":[{"text":"That's okay.","start":2489.31,"end":2489.9502,"sentiment":"neutral","sentiment_score":0.20057092607021332},{"text":"Do you have any plans for the rest of the day?","start":2489.9502,"end":2491.9102,"sentiment":"neutral","sentiment_score":0.25127767703749915},{"text":"Are you relaxing?","start":2491.9102,"end":2493.01,"sentiment":"neutral","sentiment_score":0.14644870162010193},{"text":"Or yes.","start":2493.1501,"end":2499.885,"sentiment":"neutral","sentiment_score":0.1290692538022995},{"text":"Yes.","start":2499.885,"end":2500.385,"sentiment":"neutral","sentiment_score":0.2640078663825989}],"sentiment":"neutral","sentiment_score":0.2171941462316011,"num_words":19,"start":2489.31,"end":2500.385},{"sentences":[{"text":"Well all good.","start":2501.565,"end":2502.685,"sentiment":"positive","sentiment_score":0.6180152098337809},{"text":"Well, I was taking up enough of your time now.","start":2502.685,"end":2505.2449,"sentiment":"positive","sentiment_score":0.3946678787469864},{"text":"I really appreciate your time today.","start":2505.2449,"end":2507.185,"sentiment":"positive","sentiment_score":0.7705543041229248},{"text":"I do apologize.","start":2507.43,"end":2508.23,"sentiment":"neutral","sentiment_score":0.000836727519830068},{"text":"I know it is a lot to go through, so I'll send the recap email.","start":2508.23,"end":2512.23,"sentiment":"neutral","sentiment_score":0.05280386557181676}],"sentiment":"neutral","sentiment_score":0.30320590291474314,"num_words":37,"start":2501.565,"end":2512.23},{"sentences":[{"text":"And if there's any questions that come up, don't ever hesitate to give me a buzz.","start":2512.23,"end":2515.6099,"sentiment":"neutral","sentiment_score":0.16741167614236474},{"text":"I'll go back and ask about the ongoing service fee and seek approval there for you.","start":2515.91,"end":2519.75,"sentiment":"neutral","sentiment_score":0.28638843540102243},{"text":"And I hope you have a really good day.","start":2519.75,"end":2521.833,"sentiment":"positive","sentiment_score":0.7201922668351067},{"text":"Thank you for your time, Catherine.","start":2523.993,"end":2525.513,"sentiment":"positive","sentiment_score":0.7246871789296468},{"text":"I'll talk to you soon.","start":2525.513,"end":2526.733,"sentiment":"positive","sentiment_score":0.5350353121757507}],"sentiment":"positive","sentiment_score":0.3993429196282075,"num_words":52,"start":2512.23,"end":2526.733},{"sentences":[{"text":"Thank you.","start":2528.313,"end":2528.793,"sentiment":"positive","sentiment_score":0.6388349831104279},{"text":"See you later.","start":2528.793,"end":2529.533,"sentiment":"neutral","sentiment_score":0.30393292754888535}],"sentiment":"positive","sentiment_score":0.43789374977350237,"num_words":5,"start":2528.313,"end":2529.533}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Hi. Good. Thank you. Yes. That's fine. That's fine. Catherine Queen. 09/14/1978. I have recently moved out. My new address is 2 Catalina Cove, Mainland. I don't know if you've updated that. I think I told you that last time. I can't remember. 2 Catalina Cove, Mainland. Okay. 28 Debris Place Bull Creek. It's on my phone, but I'm using it to talk to you. No. Yeah. Actually, with regards to my cover for my illness, because I've already I'm already making the income protection claim for my breast cancer. What happens if I get the cancer again later on? Yeah. Yes, please. Similar. I'm still on the claim. So going going back to work, but only, like, at minimal capacity because I used to work a lot more, but now I've reduced that. It's just too much. So yeah. No. It's Wednesday before tonight. Yeah. Well, the treatment for the cancer itself is done. It's just the complications that I just I just have to keep taking medications and manage pain. Yeah. That's alright. No. I think it's just ongoing. They I don't think any doctor would say, oh, you're gonna get a 100% better. Yeah. It's alright. I'm managing it. That's alright. I think this is this is a comfortable pace for me right now. Yeah. They're not that little. They're not that little, so they're a bit better. They're more adult now. Yeah. Yep. Yep. I think the last financial year was, like, '12 thousand ending June, I think. Can't remember. Yeah. Yeah. No. No. A small amount. I try to keep away a small amount. Yep. I think about 50 to 100 a month or something. Well, because I'm working, it's only a partial. So, like, they readjusted it. Depending on how much I work. Maybe, like, 1,700. Yeah. Mhmm. Well, I've moved house. Right. You're talking about the new house now, aren't you? Yeah. Yep. About 2? 2 million? Yeah. But it's not all mine, though. In fact, I own a very small portion of it. Maybe a quarter. Yep. Yep. SutMaster c x five. Yes. Correct. Oh, it's probably less now. I reckon about 12. Yeah. Yeah. Yeah. Not worth much, that one. Yeah. Maybe 3,000. Mhmm. Same. Yep. No. Yeah. Yep. No. I don't think so. Yeah. That's the minimum age, isn't it? 60. Yeah. Yeah. Yeah. It'll be it'll be the same. Yeah. I think so. So I just had a thought. You were asking targeting for a thousand dollars a week to spend after retirement based on the super. Is that on track? If you yeah. Yep. Mhmm. What was the email about? Like, what did it say? I vaguely remember. So what's changed? Alright. Okay. Okay. Yeah. Yes. I I might be able to. Yeah. Maybe, like, $50 a month? Or Mhmm. Yeah. That sounds good. So does that mean we'll need another phone call? And I don't know. How long does it take for you to do that? A week or so? Four weeks. Okay. Yes. That's fine. Yep. We can take your time. Mhmm. Yeah. That that would be good. I I think I probably would have questions, but if I like, maybe in the next call, once you've done your research, I when I can see the data, the numbers, and, you know, the graphs or I don't know if you will do any graphs kinda, like, you know, project out how much you would have left by this age, blah blah blah, that kind of stuff. I'll probably have more relevant questions then. Okay. Alright. Good. No. No. I haven't. Yeah. That would be good, actually. Yep. Anyone local would be good too. I'm in I'm in Perth. So Charge. Yeah. That'll be fine. Okay. Yep. Yep. And my son and daughter. Yeah. So the super was about 700,000. And then what was the other one? The life? 183. No. Super was 700, you said. Right? Oh, a life cover. Okay. I think that's enough. Yeah. Yep. Oh my god. That's that's, like, if I if I become permanently disabled, I can't work. Okay. Okay. Not at the moment. Yeah. I think so. I mean, I mean, am I supposed to have more? Yeah. Yeah. That's fine. Yeah. Okay. Mhmm. Okay. Sorry. What what do you mean? I don't understand. Oh, yeah. It's for the cover. I can't remember. I can have a look. Do you wanna hold on for a second? Yeah. $160.15. That's for the trauma. Trauma. Right? Yep. Oh, so once I stop that income protection payment in, like, another three years, then it'll go back to the full amount? Yeah. I think so. Yeah. Me too. No. No. I guess, until we have our next appointment. Yeah. Twenty sixth of August. I think Tuesday is better. I think morning's better. Yeah. We can do 10:00. Yep. So that's August 25. Is that right? Okay. Okay. Thank you. Mhmm. Mhmm. Yep. Mhmm. Not really. Not at the moment. Yeah. No. I'm still working there. I think Savvy was it Savvy? He looked at the fees last time, and he made an adjustment. Has it gone up since? He made he made the adjustments a few years ago, maybe. I can't remember how much it was. I thought it was 1% back then when it was made. One point one, possibly. Yes. Okay. That will be good. Thank you. Mhmm. Okay. Okay. Yeah. I've got things to do. Yeah. Thank you. You too. Okay. 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Hello? Hi. Good. Thank you.\n\nYes. That's fine. That's fine. Catherine Queen. 09/14/1978.\n\nI have recently moved out. My new address is 2 Catalina Cove, Mainland. I don't know if you've updated that. I think I told you that last time. I can't remember.\n\n2 Catalina Cove, Mainland. Okay. 28 Debris Place Bull Creek. It's on my phone, but I'm using it to talk to you. No.\n\nYeah. Actually, with regards to my cover for my illness, because I've already I'm already making the income protection claim for my breast cancer. What happens if I get the cancer again later on? Yeah. Yes, please.\n\nSimilar. I'm still on the claim. So going going back to work, but only, like, at minimal capacity because I used to work a lot more, but now I've reduced that. It's just too much. So yeah.\n\nNo. It's Wednesday before tonight. Yeah. Well, the treatment for the cancer itself is done. It's just the complications that I just I just have to keep taking medications and manage pain.\n\nYeah. That's alright. No. I think it's just ongoing. They I don't think any doctor would say, oh, you're gonna get a 100% better.\n\nYeah. It's alright. I'm managing it. That's alright. I think this is this is a comfortable pace for me right now.\n\nYeah. They're not that little. They're not that little, so they're a bit better. They're more adult now. Yeah.\n\nYep. Yep. I think the last financial year was, like, '12 thousand ending June, I think. Can't remember. Yeah.\n\nYeah. No. No. A small amount. I try to keep away a small amount.\n\nYep. I think about 50 to 100 a month or something. Well, because I'm working, it's only a partial. So, like, they readjusted it. Depending on how much I work.\n\nMaybe, like, 1,700. Yeah. Mhmm. Well, I've moved house. Right.\n\nYou're talking about the new house now, aren't you? Yeah. Yep. About 2? 2 million?\n\nYeah. But it's not all mine, though. In fact, I own a very small portion of it. Maybe a quarter. Yep.\n\nYep. SutMaster c x five. Yes. Correct. Oh, it's probably less now.\n\nI reckon about 12. Yeah. Yeah. Yeah. Not worth much, that one.\n\nYeah. Maybe 3,000. Mhmm. Same. Yep.\n\nNo. Yeah. Yep. No. I don't think so.\n\nYeah. That's the minimum age, isn't it? 60. Yeah. Yeah.\n\nYeah. It'll be it'll be the same. Yeah. I think so. So I just had a thought.\n\nYou were asking targeting for a thousand dollars a week to spend after retirement based on the super. Is that on track? If you yeah. Yep. Mhmm.\n\nWhat was the email about? Like, what did it say? I vaguely remember. So what's changed? Alright.\n\nOkay. Okay. Yeah. Yes. I I might be able to.\n\nYeah. Maybe, like, $50 a month? Or Mhmm. Yeah. That sounds good.\n\nSo does that mean we'll need another phone call? And I don't know. How long does it take for you to do that? A week or so? Four weeks.\n\nOkay. Yes. That's fine. Yep. We can take your time.\n\nMhmm. Yeah. That that would be good. I I think I probably would have questions, but if I like, maybe in the next call, once you've done your research, I when I can see the data, the numbers, and, you know, the graphs or I don't know if you will do any graphs kinda, like, you know, project out how much you would have left by this age, blah blah blah, that kind of stuff. I'll probably have more relevant questions then.\n\nOkay. Alright. Good. No. No.\n\nI haven't. Yeah. That would be good, actually. Yep. Anyone local would be good too.\n\nI'm in I'm in Perth. So Charge. Yeah. That'll be fine. Okay.\n\nYep. Yep. And my son and daughter. Yeah. So the super was about 700,000.\n\nAnd then what was the other one? The life? 183. No. Super was 700, you said.\n\nRight? Oh, a life cover. Okay. I think that's enough. Yeah.\n\nYep. Oh my god. That's that's, like, if I if I become permanently disabled, I can't work. Okay. Okay.\n\nNot at the moment. Yeah. I think so. I mean, I mean, am I supposed to have more? Yeah.\n\nYeah. That's fine. Yeah. Okay. Mhmm.\n\nOkay. Sorry. What what do you mean? I don't understand. Oh, yeah.\n\nIt's for the cover. I can't remember. I can have a look. Do you wanna hold on for a second? Yeah.\n\n$160.15. That's for the trauma. Trauma. Right? Yep.\n\nOh, so once I stop that income protection payment in, like, another three years, then it'll go back to the full amount? Yeah. I think so. Yeah. Me too.\n\nNo. No. I guess, until we have our next appointment. Yeah. Twenty sixth of August.\n\nI think Tuesday is better. I think morning's better. Yeah. We can do 10:00. Yep.\n\nSo that's August 25. Is that right? Okay. Okay. Thank you.\n\nMhmm. Mhmm. Yep. Mhmm. Not really.\n\nNot at the moment. Yeah. No. I'm still working there. I think Savvy was it Savvy?\n\nHe looked at the fees last time, and he made an adjustment. Has it gone up since? He made he made the adjustments a few years ago, maybe. I can't remember how much it was. I thought it was 1% back then when it was made.\n\nOne point one, possibly. Yes. Okay. That will be good. Thank you.\n\nMhmm. Okay. Okay. Yeah. I've got things to do.\n\nYeah. Thank you. You too. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.01309672836214304},{"text":"Hello?","start":3.6,"end":4.1,"sentiment":"neutral","sentiment_score":0.021742388606071472},{"text":"Hi.","start":9.2,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.27475863695144653},{"text":"Good.","start":9.5199995,"end":9.84,"sentiment":"positive","sentiment_score":0.5128500461578369},{"text":"Thank you.","start":9.84,"end":10.58,"sentiment":"positive","sentiment_score":0.627248615026474}],"sentiment":"positive","sentiment_score":0.346157505021741,"num_words":6,"start":0.48,"end":10.58},{"sentences":[{"text":"Yes.","start":16.425,"end":16.824999,"sentiment":"neutral","sentiment_score":0.1837187260389328},{"text":"That's fine.","start":16.824999,"end":17.564999,"sentiment":"neutral","sentiment_score":0.23345932364463806},{"text":"That's 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pain.","start":236.925,"end":242.065,"sentiment":"neutral","sentiment_score":-0.16967204125488505}],"sentiment":"neutral","sentiment_score":-0.11049920675577596,"num_words":32,"start":214.675,"end":242.065},{"sentences":[{"text":"Yeah.","start":245.325,"end":245.645,"sentiment":"neutral","sentiment_score":-0.003171204589307308},{"text":"That's alright.","start":245.645,"end":246.385,"sentiment":"neutral","sentiment_score":0.03810985013842583},{"text":"No.","start":254.94,"end":255.44,"sentiment":"neutral","sentiment_score":-0.1055746078491211},{"text":"I think it's just ongoing.","start":256.86,"end":258.16,"sentiment":"neutral","sentiment_score":-0.08654166609048844},{"text":"They I don't think any doctor would say, oh, you're gonna get a 100% 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you?","start":528.0,"end":530.34,"sentiment":"neutral","sentiment_score":-0.02111670473176572},{"text":"Yeah.","start":533.76,"end":534.26,"sentiment":"neutral","sentiment_score":-0.010955928824841976},{"text":"Yep.","start":536.0,"end":536.5,"sentiment":"neutral","sentiment_score":0.010469632223248482},{"text":"About 2?","start":540.32,"end":541.325,"sentiment":"neutral","sentiment_score":-0.003930864855647087},{"text":"2 million?","start":541.54504,"end":544.505,"sentiment":"neutral","sentiment_score":-0.006000034045428038}],"sentiment":"neutral","sentiment_score":-0.014026562465975683,"num_words":15,"start":528.0,"end":544.505},{"sentences":[{"text":"Yeah.","start":544.505,"end":544.745,"sentiment":"neutral","sentiment_score":-0.035754624754190445},{"text":"But it's not all mine, though.","start":544.745,"end":546.205,"sentiment":"neutral","sentiment_score":-0.20537260174751282},{"text":"In fact, I own a very small portion of 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I don't know if you will do any graphs kinda, like, you know, project out how much you would have left by this age, blah blah blah, that kind of stuff.","start":1167.0549,"end":1188.105,"sentiment":"neutral","sentiment_score":0.027002933606341043},{"text":"I'll probably have more relevant questions 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said.","start":1531.0599,"end":1532.58,"sentiment":"neutral","sentiment_score":-0.0550431028008461}],"sentiment":"neutral","sentiment_score":-0.0248335791984573,"num_words":16,"start":1520.6449,"end":1532.58},{"sentences":[{"text":"Right?","start":1532.58,"end":1533.08,"sentiment":"neutral","sentiment_score":-0.030401160940527916},{"text":"Oh, a life cover.","start":1535.1399,"end":1538.82,"sentiment":"neutral","sentiment_score":-0.016717331018298864},{"text":"Okay.","start":1538.82,"end":1539.32,"sentiment":"neutral","sentiment_score":0.012775490060448648},{"text":"I think that's enough.","start":1542.6599,"end":1543.755,"sentiment":"neutral","sentiment_score":-0.03929019207134843},{"text":"Yeah.","start":1556.395,"end":1556.895,"sentiment":"neutral","sentiment_score":0.015162835828959942}],"sentiment":"neutral","sentiment_score":-0.02059026612815532,"num_words":11,"start":1532.58,"end":1556.895},{"sentences":[{"text":"Yep.","start":1561.73,"end":1562.23,"sentiment":"neutral","sentiment_score":0.04176704585552216},{"text":"Oh my god.","start":1636.46,"end":1637.2799,"sentiment":"negative","sentiment_score":-0.45760686198870343},{"text":"That's that's, like, if I if I become permanently disabled, I can't work.","start":1639.74,"end":1645.125,"sentiment":"negative","sentiment_score":-0.5450572875829843},{"text":"Okay.","start":1687.5701,"end":1688.0701,"sentiment":"neutral","sentiment_score":0.029142241925001144},{"text":"Okay.","start":1738.4299,"end":1738.9299,"sentiment":"neutral","sentiment_score":0.1889125406742096}],"sentiment":"negative","sentiment_score":-0.43151281558369337,"num_words":19,"start":1561.73,"end":1738.9299},{"sentences":[{"text":"Not at the moment.","start":1746.605,"end":1747.665,"sentiment":"neutral","sentiment_score":-0.2633494809269905},{"text":"Yeah.","start":1755.405,"end":1755.725,"sentiment":"neutral","sentiment_score":0.030700240284204483},{"text":"I think so.","start":1755.725,"end":1760.06,"sentiment":"neutral","sentiment_score":0.017242225507895153},{"text":"I mean, I mean, am I supposed to have more?","start":1760.06,"end":1762.64,"sentiment":"neutral","sentiment_score":-0.04239487964659929},{"text":"Yeah.","start":1774.9249,"end":1775.4249,"sentiment":"neutral","sentiment_score":0.09442690014839172}],"sentiment":"neutral","sentiment_score":-0.06844699490619333,"num_words":19,"start":1746.605,"end":1775.4249},{"sentences":[{"text":"Yeah.","start":1778.605,"end":1779.105,"sentiment":"neutral","sentiment_score":0.1367357075214386},{"text":"That's fine.","start":1881.945,"end":1882.765,"sentiment":"neutral","sentiment_score":0.20958171784877777},{"text":"Yeah.","start":1883.225,"end":1883.725,"sentiment":"neutral","sentiment_score":0.1784401535987854},{"text":"Okay.","start":1885.62,"end":1886.12,"sentiment":"neutral","sentiment_score":0.08935587853193283},{"text":"Mhmm.","start":1894.18,"end":1894.68,"sentiment":"neutral","sentiment_score":0.025761127471923828}],"sentiment":"neutral","sentiment_score":0.1415760504702727,"num_words":6,"start":1778.605,"end":1894.68},{"sentences":[{"text":"Okay.","start":1894.74,"end":1895.24,"sentiment":"neutral","sentiment_score":0.1106366291642189},{"text":"Sorry.","start":1947.545,"end":1948.045,"sentiment":"neutral","sentiment_score":-0.238714337348938},{"text":"What what do you mean?","start":1948.345,"end":1949.725,"sentiment":"negative","sentiment_score":-0.33848524689674375},{"text":"I don't understand.","start":1949.945,"end":1950.765,"sentiment":"negative","sentiment_score":-0.4456703762213389},{"text":"Oh, yeah.","start":1959.545,"end":1960.105,"sentiment":"neutral","sentiment_score":0.002314511453732848}],"sentiment":"neutral","sentiment_score":-0.26274050403541577,"num_words":12,"start":1894.74,"end":1960.105},{"sentences":[{"text":"It's for the cover.","start":1960.105,"end":1962.9299,"sentiment":"neutral","sentiment_score":0.0011918767704628408},{"text":"I can't remember.","start":1964.99,"end":1965.87,"sentiment":"neutral","sentiment_score":-0.019787632549802463},{"text":"I can have a look.","start":1965.87,"end":1967.07,"sentiment":"neutral","sentiment_score":-0.012461172323673964},{"text":"Do you wanna hold on for a second?","start":1967.07,"end":1968.77,"sentiment":"neutral","sentiment_score":-0.007054443092783913},{"text":"Yeah.","start":1970.51,"end":1971.01,"sentiment":"neutral","sentiment_score":0.02728752419352531}],"sentiment":"neutral","sentiment_score":-0.006954727273079611,"num_words":21,"start":1960.105,"end":1971.01},{"sentences":[{"text":"$160.15.","start":1992.78,"end":1995.1799,"sentiment":"neutral","sentiment_score":0.02886303700506687},{"text":"That's for the trauma.","start":1995.1799,"end":1996.7999,"sentiment":"neutral","sentiment_score":0.09150603599846363},{"text":"Trauma.","start":1997.58,"end":1997.98,"sentiment":"neutral","sentiment_score":0.03245857357978821},{"text":"Right?","start":1997.98,"end":1998.48,"sentiment":"neutral","sentiment_score":0.03816770762205124},{"text":"Yep.","start":2000.0599,"end":2000.5599,"sentiment":"neutral","sentiment_score":0.09628339111804962}],"sentiment":"neutral","sentiment_score":0.07022460666485131,"num_words":8,"start":1992.78,"end":2000.5599},{"sentences":[{"text":"Oh, so once I stop that income protection payment in, like, another three years, then it'll go back to the full amount?","start":2029.44,"end":2044.415,"sentiment":"neutral","sentiment_score":-0.04052304273301905},{"text":"Yeah.","start":2047.015,"end":2047.3351,"sentiment":"neutral","sentiment_score":0.03848615288734436},{"text":"I think so.","start":2047.3351,"end":2048.25,"sentiment":"neutral","sentiment_score":0.048973492036263146},{"text":"Yeah.","start":2061.93,"end":2062.43,"sentiment":"neutral","sentiment_score":0.09472291171550752},{"text":"Me too.","start":2062.81,"end":2063.55,"sentiment":"neutral","sentiment_score":0.06021821312606335}],"sentiment":"neutral","sentiment_score":-0.016928999074574173,"num_words":29,"start":2029.44,"end":2063.55},{"sentences":[{"text":"No.","start":2070.935,"end":2071.435,"sentiment":"neutral","sentiment_score":-0.09906713664531708},{"text":"No.","start":2071.975,"end":2072.375,"sentiment":"neutral","sentiment_score":-0.09994243830442429},{"text":"I guess, until we have our next appointment.","start":2072.375,"end":2074.635,"sentiment":"neutral","sentiment_score":-0.04819862893782556},{"text":"Yeah.","start":2076.695,"end":2077.195,"sentiment":"neutral","sentiment_score":0.13450218737125397},{"text":"Twenty sixth of August.","start":2093.405,"end":2098.625,"sentiment":"neutral","sentiment_score":0.018146371468901634}],"sentiment":"neutral","sentiment_score":-0.025167395547032356,"num_words":15,"start":2070.935,"end":2098.625},{"sentences":[{"text":"I think Tuesday is better.","start":2110.31,"end":2111.6902,"sentiment":"neutral","sentiment_score":0.07355131730437278},{"text":"I think morning's better.","start":2118.79,"end":2120.085,"sentiment":"neutral","sentiment_score":0.06229226104915142},{"text":"Yeah.","start":2126.405,"end":2126.7249,"sentiment":"neutral","sentiment_score":0.051291853189468384},{"text":"We can do 10:00.","start":2126.7249,"end":2128.025,"sentiment":"neutral","sentiment_score":0.04817102197557688},{"text":"Yep.","start":2130.2449,"end":2130.645,"sentiment":"neutral","sentiment_score":0.11891661584377287}],"sentiment":"neutral","sentiment_score":0.06532121251026789,"num_words":15,"start":2110.31,"end":2130.645},{"sentences":[{"text":"So that's August 25.","start":2130.645,"end":2132.1602,"sentiment":"neutral","sentiment_score":0.07602381147444248},{"text":"Is that right?","start":2132.16,"end":2133.0598,"sentiment":"neutral","sentiment_score":0.06100499133268992},{"text":"Okay.","start":2165.79,"end":2166.29,"sentiment":"neutral","sentiment_score":0.025482280179858208},{"text":"Okay.","start":2172.565,"end":2172.645,"sentiment":"neutral","sentiment_score":0.24731963872909543},{"text":"Thank you.","start":2172.645,"end":2173.385,"sentiment":"positive","sentiment_score":0.5612887144088745}],"sentiment":"neutral","sentiment_score":0.17113541523841294,"num_words":11,"start":2130.645,"end":2173.385},{"sentences":[{"text":"Mhmm.","start":2191.94,"end":2192.44,"sentiment":"neutral","sentiment_score":0.06335265934467316},{"text":"Mhmm.","start":2209.3152,"end":2209.8152,"sentiment":"neutral","sentiment_score":-0.007352850399911404},{"text":"Yep.","start":2219.1902,"end":2219.6902,"sentiment":"neutral","sentiment_score":0.009614468552172184},{"text":"Mhmm.","start":2243.7002,"end":2244.2002,"sentiment":"neutral","sentiment_score":0.04453292861580849},{"text":"Not really.","start":2262.6501,"end":2263.31,"sentiment":"neutral","sentiment_score":-0.12314441800117493}],"sentiment":"neutral","sentiment_score":-0.022690271648267906,"num_words":6,"start":2191.94,"end":2263.31},{"sentences":[{"text":"Not at the moment.","start":2264.6501,"end":2265.55,"sentiment":"neutral","sentiment_score":-0.14582939818501472},{"text":"Yeah.","start":2265.6902,"end":2266.1902,"sentiment":"neutral","sentiment_score":0.09515631198883057},{"text":"No.","start":2281.865,"end":2282.365,"sentiment":"neutral","sentiment_score":-0.09118367731571198},{"text":"I'm still working there.","start":2283.065,"end":2284.525,"sentiment":"neutral","sentiment_score":-0.01054043136537075},{"text":"I think Savvy was it Savvy?","start":2333.685,"end":2336.39,"sentiment":"neutral","sentiment_score":0.17423619578282037}],"sentiment":"neutral","sentiment_score":0.026494405698031187,"num_words":16,"start":2264.6501,"end":2336.39},{"sentences":[{"text":"He looked at the fees last time, and he made an adjustment.","start":2336.8499,"end":2342.15,"sentiment":"neutral","sentiment_score":-0.02430822226839761},{"text":"Has it gone up since?","start":2342.3699,"end":2343.67,"sentiment":"neutral","sentiment_score":-0.049433167278766635},{"text":"He made he made the adjustments a few years ago, maybe.","start":2358.0652,"end":2362.45,"sentiment":"neutral","sentiment_score":-0.05847397886893966},{"text":"I can't remember how much it was.","start":2368.5898,"end":2369.8699,"sentiment":"neutral","sentiment_score":-0.08528992959431239},{"text":"I thought it was 1% back then when it was made.","start":2369.8699,"end":2374.425,"sentiment":"neutral","sentiment_score":-0.048857110129161316}],"sentiment":"neutral","sentiment_score":-0.050359478038128305,"num_words":46,"start":2336.8499,"end":2374.425},{"sentences":[{"text":"One point one, possibly.","start":2379.625,"end":2381.0051,"sentiment":"neutral","sentiment_score":-0.018036614172160625},{"text":"Yes.","start":2381.065,"end":2381.565,"sentiment":"neutral","sentiment_score":0.035951822996139526},{"text":"Okay.","start":2417.99,"end":2418.49,"sentiment":"neutral","sentiment_score":0.10352253913879396},{"text":"That will be good.","start":2419.1099,"end":2419.91,"sentiment":"positive","sentiment_score":0.3951530233025551},{"text":"Thank you.","start":2419.91,"end":2420.65,"sentiment":"positive","sentiment_score":0.5452591776847839}],"sentiment":"neutral","sentiment_score":0.2282048628355066,"num_words":12,"start":2379.625,"end":2420.65},{"sentences":[{"text":"Mhmm.","start":2458.595,"end":2459.095,"sentiment":"neutral","sentiment_score":0.09066268801689148},{"text":"Okay.","start":2467.3298,"end":2467.8298,"sentiment":"neutral","sentiment_score":0.1694274544715881},{"text":"Okay.","start":2480.5151,"end":2481.0151,"sentiment":"neutral","sentiment_score":0.1794731765985489},{"text":"Yeah.","start":2496.4,"end":2496.8,"sentiment":"neutral","sentiment_score":0.1947770118713379},{"text":"I've got things to do.","start":2496.8,"end":2498.9,"sentiment":"neutral","sentiment_score":0.25929611921310425}],"sentiment":"neutral","sentiment_score":0.21453565855820975,"num_words":9,"start":2458.595,"end":2498.9},{"sentences":[{"text":"Yeah.","start":2501.12,"end":2501.62,"sentiment":"positive","sentiment_score":0.3690808117389679},{"text":"Thank you.","start":2522.75,"end":2523.41,"sentiment":"positive","sentiment_score":0.7639942467212677},{"text":"You too.","start":2523.55,"end":2524.29,"sentiment":"positive","sentiment_score":0.5624835789203644},{"text":"Okay.","start":2526.99,"end":2527.49,"sentiment":"neutral","sentiment_score":0.2803356647491455},{"text":"Bye.","start":2527.63,"end":2528.13,"sentiment":"neutral","sentiment_score":0.32521653175354004}],"sentiment":"positive","sentiment_score":0.5182269513607025,"num_words":7,"start":2501.12,"end":2528.13}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Hi, Catherine. This is Zaina from Oakview Financial. How are you this morning?\n\nChannel 1: Hi. Good. Thank you.\n\nChannel 0: That's good. I had you booked in to go through a bit of an annual review today. Is now still a\n\nChannel 1: Yes.\n\nChannel 0: good time\n\nChannel 1: That's fine.\n\nChannel 0: there for you? Oh, fantastic. Catherine, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: fine.\n\nChannel 0: proceed with that? Fantastic. And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Catherine Queen. 09/14/1978. I\n\nChannel 0: Yep.\n\nChannel 1: have recently moved out. My new address\n\nChannel 0: Okay.\n\nChannel 1: is 2 Catalina Cove, Mainland.\n\nChannel 0: I'll\n\nChannel 1: I don't\n\nChannel 0: just\n\nChannel 1: know\n\nChannel 0: check\n\nChannel 1: if you've\n\nChannel 0: if I\n\nChannel 1: updated that. I think I told you that last time. I\n\nChannel 0: that's\n\nChannel 1: can't\n\nChannel 0: okay.\n\nChannel 1: remember.\n\nChannel 0: I'll have a quick look for you. What's the new address address should be?\n\nChannel 1: 2 Catalina Cove, Mainland.\n\nChannel 0: No. I don't have that one updated here, but that's okay. I can update\n\nChannel 1: Okay.\n\nChannel 0: that for you. That's alright. What's your old address I should have on file?\n\nChannel 1: 28 Debris Place Bull Creek.\n\nChannel 0: Beautiful. Thank you so much for that. Fantastic. Catherine, I have sent you through some annual review docs to sort of have a chat about when we're going through this. Do you happen to have access to your emails at the moment?\n\nIf you don't, that's honestly okay.\n\nChannel 1: It's on my phone, but I'm using it to talk to you.\n\nChannel 0: That's fine. If you can't do it, not a problem. Just have a look at them later on. In the meantime, I can go through, obviously, give you a bit of an update on your sofa. Is there anything specific you question wise that you had for us today as well that you wanted me to sort of touch on as part of your annual review?\n\nChannel 1: No.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah. Actually,\n\nChannel 0: Yeah.\n\nChannel 1: with regards to my cover for my illness,\n\nChannel 0: Mhmm.\n\nChannel 1: because I've already I'm already making the income protection claim for my breast cancer.\n\nChannel 0: Yes.\n\nChannel 1: What happens if I get the cancer again\n\nChannel 0: I\n\nChannel 1: later\n\nChannel 0: can\n\nChannel 1: on?\n\nChannel 0: oh, yeah. It does depend on the policy. If you like, what I can do is I can go back and double check what the rules are in relation to the policy, in relation to it coming back or, you know, a the condition, you know, if the breast\n\nChannel 1: Yeah.\n\nChannel 0: cancer coming back and having a secondary claim on that one for you. It just the every policy is completely different, so I'll go back and I'll have a look at the product disclosure statement. I can also check with the claims team on what the the rules are in relation to that policy. If you're comfortable, I can send you an email after the call just following that one up for you. Is that okay?\n\nChannel 1: Yes, please.\n\nChannel 0: Yeah. Fantastic. It's a really good question. Something to certainly look at. I also just wanted to touch base to see how everything was going because last year, when we touched base, you were still on the income protection claim and still sort of going through everything.\n\nHow is everything for you this year? How have you been going recently?\n\nChannel 1: Similar. I'm still\n\nChannel 0: Yep.\n\nChannel 1: on the\n\nChannel 0: Yep.\n\nChannel 1: claim.\n\nChannel 0: Yep.\n\nChannel 1: So going going back to work, but only, like, at minimal capacity because\n\nChannel 0: Yes.\n\nChannel 1: I used to work a lot more, but now I've reduced that. It's just too much.\n\nChannel 0: Yeah. Of course.\n\nChannel 1: So\n\nChannel 0: I can definitely\n\nChannel 1: yeah.\n\nChannel 0: see those contributions going into your super now. So it does look like you are back at work a little bit. Last year when we caught up, you were hoping to sort of go back about two days per week. Are you still managing that, or is it not quite is it different every week?\n\nChannel 1: No. It's Wednesday before tonight.\n\nChannel 0: Once every fortnight. I'm so sorry that you're back. It's good that you're getting back there a little bit,\n\nChannel 1: Yeah.\n\nChannel 0: but I'm very sorry that it is minimal at the moment. How are you going treatment wise?\n\nChannel 1: Well, the treatment for the cancer itself is done.\n\nChannel 0: Yep.\n\nChannel 1: It's just the complications that I just I just have to keep taking medications and manage pain.\n\nChannel 0: Oh, I'm so sorry. Are they are\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: That's alright.\n\nChannel 0: are they sort of saying that that should get a little bit easier as time goes on? There should be some relief from that, or is this something that's, you know, gonna be\n\nChannel 1: No.\n\nChannel 0: ongoing for you? Oh, I'm\n\nChannel 1: I\n\nChannel 0: sorry.\n\nChannel 1: think it's just ongoing. They\n\nChannel 0: Yeah.\n\nChannel 1: I don't think any doctor would say, oh, you're gonna get a 100% better.\n\nChannel 0: No. That's a shame. Oh,\n\nChannel 1: Yeah. It's alright. I'm\n\nChannel 0: it's\n\nChannel 1: managing it.\n\nChannel 0: yeah. Oh, I mean, it's it's enough that you've gone through what you've gone through, but then to have, you know, ongoing management and ongoing pain and to have this experience, you know, ongoing for you must be really tough. So I'm very sorry that you're going through this.\n\nChannel 1: That's alright.\n\nChannel 0: Are you hoping or trying to sort of get back to work a little bit more down the track, or do you think this is, you know, what you'll be doing ongoing for the foreseeable future?\n\nChannel 1: I think this is this is a comfortable pace\n\nChannel 0: Okay.\n\nChannel 1: for me\n\nChannel 0: Yep.\n\nChannel 1: right now.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Beautiful. Well, take it as it comes, and, hopefully, you get a bit of downtime and a bit of rest. I know you do also have two kids there as well. How's that it must be really tough.\n\nYou you have two small children to, you know, help out with,\n\nChannel 1: They're\n\nChannel 0: but\n\nChannel 1: not\n\nChannel 0: how's\n\nChannel 1: that little.\n\nChannel 0: everything?\n\nChannel 1: They're not that little, so they're a bit better. They're more adult\n\nChannel 0: Oh, that's\n\nChannel 1: now.\n\nChannel 0: that's good. That's good. And do you have a fairly good support system around you for sort\n\nChannel 1: Yeah.\n\nChannel 0: of going through it and help with childcare? Oh, that is\n\nChannel 1: Yep.\n\nChannel 0: good. Oh, that is really good. Fantastic. Well, I'm glad. I'm just sort of making some notes to let you know update your file here.\n\nSo you're back sort of one day per fortnight at the moment. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. That's okay. And averaging income wise, what are you expecting to sort of be able to earn this year, do you think? Just from employment. Sorry.\n\nChannel 1: I think\n\nChannel 0: If you're not\n\nChannel 1: the last financial\n\nChannel 0: sure,\n\nChannel 1: year was, like,\n\nChannel 0: that's\n\nChannel 1: '12\n\nChannel 0: okay.\n\nChannel 1: thousand\n\nChannel 0: Okay.\n\nChannel 1: ending June, I think.\n\nChannel 0: Yep.\n\nChannel 1: Can't remember.\n\nChannel 0: Then you that's okay. And then the claim proceeds on top of that to top you up.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Are you getting anything from Centrelink, like, in the way, a family tax benefit\n\nChannel 1: No.\n\nChannel 0: or parenting payment or anything to kinda help supplement any of that? Nope. Okay.\n\nChannel 1: No.\n\nChannel 0: Okay. Just update those for you. And excellent. I can see contributions are definitely going in. Are you finding that you are managing to sort of put money away or save at the moment, or is everything kinda going towards your expenditure?\n\nChannel 1: A small amount. I try to\n\nChannel 0: Yep.\n\nChannel 1: keep away a small amount.\n\nChannel 0: Yep. If you had to quantify\n\nChannel 1: Yep.\n\nChannel 0: that, what do you think you'd sort of say you're putting away?\n\nChannel 1: I think about 50 to 100 a month or something.\n\nChannel 0: Okay. That's really good. Yeah. Starting off small can make a big difference. So they've having those small habits put into place, and then as the financial system, you know, situation gets a little bit better, you'd be able to sort of increase that hopefully down the track.\n\nYeah. Excellent. The other things to sort of touch base on, of income side of things. So how much are you managing to obtain or how much is the income protection claim currently paying you on a monthly basis at the moment? Are you receiving the full benefit, or is it only a partial amount?\n\nChannel 1: Well, because I'm working, it's only a partial.\n\nChannel 0: Yep.\n\nChannel 1: So,\n\nChannel 0: Did\n\nChannel 1: like,\n\nChannel 0: you know\n\nChannel 1: they readjusted it.\n\nChannel 0: yep. That's okay. How much are they paying you at the moment on a monthly basis? Mhmm.\n\nChannel 1: Depending on how much I work. Maybe, like, 1,700.\n\nChannel 0: $7,800 per month.\n\nChannel 1: Yeah.\n\nChannel 0: Yes. No. That's okay. Yeah. They'll be asking for income statements every or payslips every couple of months to sort of go through and have that updated and readjusted for you, I assume?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. All good. Looking at your your assets and liabilities here, we had your main primary residence noted down. Ref valuation last year was about 1,100,000. What sort of value would you put on that property now, do you think?\n\nChannel 1: Well, I've moved house. Right.\n\nChannel 0: That's\n\nChannel 1: You're talking about\n\nChannel 0: You\n\nChannel 1: the\n\nChannel 0: have.\n\nChannel 1: new house now, aren't you?\n\nChannel 0: You do sell the old property and buy a new house. Is that\n\nChannel 1: Yeah.\n\nChannel 0: what's happened? Yep. Okay. So with\n\nChannel 1: Yep.\n\nChannel 0: the new house, what's the value would you put on that one?\n\nChannel 1: About 2? 2\n\nChannel 0: Two million? Yep.\n\nChannel 1: million? Yeah. But it's not\n\nChannel 0: Lovely.\n\nChannel 1: all mine, though.\n\nChannel 0: No. That's okay. That's absolutely fine. What is the\n\nChannel 1: In\n\nChannel 0: percentage\n\nChannel 1: fact, I\n\nChannel 0: of ownership\n\nChannel 1: own a very\n\nChannel 0: here,\n\nChannel 1: small\n\nChannel 0: though?\n\nChannel 1: portion of it.\n\nChannel 0: What would be your percentage of ownership do you\n\nChannel 1: Maybe a quarter.\n\nChannel 0: think? A quarter?\n\nChannel 1: Yep.\n\nChannel 0: Ownership. Excellent. Thank you for that. And mortgage on the property or mortgage that you're liable for, how much is owing on the property, if anything? Nothing owed on the property?\n\nIt's\n\nChannel 1: Yep.\n\nChannel 0: yep. Okay. Beautiful. Beautiful. We also had down here your vehicles.\n\nNow you did have a Mazda six. Do you still have that vehicle?\n\nChannel 1: SutMaster c x five. Yes. Correct.\n\nChannel 0: Yep. Beautiful. And we have that valued at about 15,000 last year.\n\nChannel 1: Oh, it's\n\nChannel 0: Do\n\nChannel 1: probably\n\nChannel 0: you\n\nChannel 1: less now.\n\nChannel 0: yeah. What the value would you put on it?\n\nChannel 1: I reckon about 12.\n\nChannel 0: About 12,000?\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. That's okay. And then we also had here there was another vehicle, a Mazda three two three. Do you still have that one\n\nChannel 1: Yeah.\n\nChannel 0: as well? Mhmm.\n\nChannel 1: Yeah. Not worth\n\nChannel 0: And\n\nChannel 1: much, that one.\n\nChannel 0: no. That's okay. We had about 4,000 last year. What sort of value would you put on it now?\n\nChannel 1: Yeah. Maybe 3,000.\n\nChannel 0: About 3,000. Yep. Fantastic. Both those vehicles are owned fully debt free there as well.\n\nChannel 1: Mhmm.\n\nChannel 0: And we had a credit card down here with a limit of 6,000. Do you still have that credit card?\n\nChannel 1: Same. Yep.\n\nChannel 0: Yep. And the limit hasn't changed. That's the same limit?\n\nChannel 1: No.\n\nChannel 0: Fantastic. And then I've also got your contents. Our rough valuation of total contents about 25,000. Would you keep that about the same or increase\n\nChannel 1: Yeah.\n\nChannel 0: or decrease? Yep. That's okay.\n\nChannel 1: Yep.\n\nChannel 0: Thank you for updating those. Is there any other new assets or liabilities or anything else of value you wanna note down that you've probably had updated or changed in the last twelve months?\n\nChannel 1: No.\n\nChannel 0: Nope. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: don't think\n\nChannel 0: Thank\n\nChannel 1: so.\n\nChannel 0: you for that. No. All good. One of your goals I had here last year was that you were trying to sell your house and move in with your partner. So the newer property that you're living in, is that with your partner?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. I'll just remove that one. That goal is completed. With regard to your super, we were looking at a goal of trying to access super and fully retire around about the age of 60.\n\nI know with your health, there's a lot of unknowns at the moment, but down the track, are we still with regard to super tracking for that goal? Is that what you're after super wise at the moment?\n\nChannel 1: That's the minimum age, isn't it? 60.\n\nChannel 0: It is. Yeah. Unfortunately,\n\nChannel 1: Yeah.\n\nChannel 0: be good if they'd make it lower.\n\nChannel 1: Yeah. Yeah. It'll\n\nChannel 0: Yep. That's\n\nChannel 1: be it'll be the same.\n\nChannel 0: yep. That's okay. And we have down here that you're we're hoping to sort of live on income of about $1,000 a week from your super. Is that still your goal for your super side of things income wise?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yep. That's okay. Just so I can sort of project forward and track things out when we update advice for you. Absolutely fine. I also had down here everything else looks like it's pretty well covered.\n\nIt was more just the other goals around, yeah, sustainability around your health. So making sure that you can focus on financial stability whilst being on an income protection claim. We\n\nChannel 1: So\n\nChannel 0: talked about last year re yes. Sorry. You go.\n\nChannel 1: I just had a thought.\n\nChannel 0: Yeah. Sure.\n\nChannel 1: You were asking targeting for a thousand dollars a week to spend after retirement based on the super.\n\nChannel 0: Yes.\n\nChannel 1: Is that on track?\n\nChannel 0: At the moment, I would have to go back and do a little bit of an update. At the moment, based on your current age, it looks like we might be you can realistically draw that income, but it won't last as long as what you'd expect it to be. I can I would like\n\nChannel 1: If\n\nChannel 0: to\n\nChannel 1: you\n\nChannel 0: maybe go\n\nChannel 1: yeah.\n\nChannel 0: back and review your portfolio, update the advice, look at what you're spending, and see what you're on track for? When\n\nChannel 1: Yep.\n\nChannel 0: you kind of look at retirement, realistically, the income that you need to live on is the income that you need to live on. So when you get to 60 and start working and need to draw income, if you need to live on a thousand dollars a week, that's what you can draw out regardless of what your balance is. It's just a matter of depending on how you're invested, the rate of return that your super is obtaining, and how much you're drawing out as to whether you get longevity or how long your super lasts. So, normally, we'd be sort of trying to track to make super last roughly around about to a life expectancy or into our nineties depending on sort of what we're hoping to achieve with regard to it.\n\nChannel 1: Mhmm.\n\nChannel 0: But I do wanna sort of have a look at your super look at the investments there. I know a few months back in about March, we had sent out a record of advice and made an update to your super fund. Do you remember receiving that email?\n\nChannel 1: What was the email about? Like, what did it say?\n\nChannel 0: It was a change of investments.\n\nChannel 1: I vaguely remember.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: So the\n\nChannel 1: what's\n\nChannel 0: investment\n\nChannel 1: changed?\n\nChannel 0: can so the investment committee noticed that one of the investments in your portfolio have been underperforming there. So you'd originally had the Better Long Australian Equities investments. That recorded advice was sent out to say that we'd notify or we'd been, you know, reviewed that investment. It had been underperforming, and we wanted to remove that from your portfolio. So we\n\nChannel 1: Alright.\n\nChannel 0: actually replaced that with the BetaShares Australia two hundred. It is a lower cost investment. It actually gives you greater diversification to help to lower the risk level of your portfolio, but it also has been performing much greater over the past twelve months. So they swapped those two investments out for you or swapped those investments around.\n\nChannel 1: Okay.\n\nChannel 0: Looking at the performance of your super over the last twelve months, so when we have a look back to last year, your balance is about a 176,990, and your balance now up to a $183,002.69.\n\nChannel 1: Okay.\n\nChannel 0: When I sort of confirm that against the average balance of someone your age so for someone of your age and a female, the average balance is about 107,000. So your balance is higher than the average person's of your same age and stage, which is good. That's what we want, but we want that to continue growing. So I would like to just go back, reevaluate the investments, maybe see if there's other swaps we need to maybe make there to make there to keep you on track, look at what we're projecting forward for. Because having a look at things, so you're as of September this year, you're about 48.\n\nIs that right?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So I would like to go back to have a bit of a look at what we're tracking for. I know with you not working as much as much as you were, obviously, your contributions are gonna be lower going into the fund. With you saving, the kind of reason I ask about, looking at, your expendable income and what you're saving is are you open to or are you in a position to maybe look at making additional contributions into super if that's gonna provide benefit and give your super longevity, allowing you to draw that thousand dollars per week for longer. Is that something you're open to at the moment, or are you not really in a position to do that currently?\n\nHow do you feel about it?\n\nChannel 1: Yes. I I might be able to. Yeah.\n\nChannel 0: Yeah. What would be your comfort level? Is there an amount you'd be comfortable starting with and then kind of building on that over time?\n\nChannel 1: Maybe, like, $50 a month? Or\n\nChannel 0: 50 per month? Yeah. Yeah. Absolutely. So what I'll go through is I'll go back and have a look at the investments, have a look at the way your super is structured, look at what your, you know, the fees are for your investments, look at the overall projected outcome based on your current super and investment structure.\n\nI can review that with some other investment swaps and changes to make sure that you're in a portfolio that is as lower cost as possible, that you're getting the best possible returns based on past performance, and look at projecting that out to the age of 60 for you to kinda give you a limited overview of what we're expecting based on your current scenario and the changes to sort of see whether we update the advice and make some changes. Does that sound okay to you, Catherine? Yeah.\n\nChannel 1: Mhmm. Yeah. That sounds good.\n\nChannel 0: Yep.\n\nChannel 1: So does that mean\n\nChannel 0: Beautiful.\n\nChannel 1: we'll need another phone call? And\n\nChannel 0: Yeah.\n\nChannel 1: I don't know. How long does it take for you to do that? A week or\n\nChannel 0: Takes\n\nChannel 1: so?\n\nChannel 0: takes about four weeks for me to complete the research properly to\n\nChannel 1: Four weeks.\n\nChannel 0: make sure I'm\n\nChannel 1: Okay.\n\nChannel 0: looking at everything. So I can rebook you in for another four weeks if you're comfortable to do so, or if you prefer, my team can just let you know when the advice is ready. Do are you comfortable with me just making a time in four weeks, or what does your schedule look like?\n\nChannel 1: Yes. That's fine. Yep.\n\nChannel 0: Yep.\n\nChannel 1: We can take\n\nChannel 0: Beautiful.\n\nChannel 1: your time.\n\nChannel 0: Yep. Beautiful. Excellent. Before we end the call today, I'll make sure I go back and book that appointment for you, and we'll go back and just review everything. Because this portfolio is much older, and while we have made that one change to the Australian equities, there might be other changes that we can make.\n\nIt's important It's important to continuously update the portfolio as time goes on and make changes to your circumstances affect your super, especially with, you know, reduction in contributions and things like that. So it is really important to keep updating things. And I can also add, like, a limited scoping to show you what the retirement projection looks like at the age of 60 for you based on the recommendations we're making to sort of show you where we're tracking for where we're heading. Does that sound okay?\n\nChannel 1: Mhmm. Yeah. That that would be\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Do you have any questions about that? You're welcome to ask me to break something something down or if you had further questions there, Catherine.\n\nChannel 1: I I think I probably would have questions, but if I like, maybe in the next call, once you've done your\n\nChannel 0: Yeah.\n\nChannel 1: research,\n\nChannel 0: When you can see them.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: when I can see the data, the numbers, and, you know, the graphs or I don't know if you will do any graphs kinda, like, you know, project out how much you would have left by this age,\n\nChannel 0: Yep.\n\nChannel 1: blah blah blah, that kind\n\nChannel 0: Yes.\n\nChannel 1: of stuff. I'll probably have more relevant questions then.\n\nChannel 0: That's absolutely fine. It's not a problem at all. Excellent. When we look at the overall performance, markets have been a little bit up and down this year with everything that's been going on globally. The net after after fees performance you've received in your super is 4.65%.\n\nSo at the moment, you are in that growth kind of environment, which generally sees about 80% in those higher risk investments like international and Australian shares, listed property and commodities. This sort of portfolio, we are looking to track and try and obtain about a seven to 9% on an annual basis. So this year with the ups and downs the market has seen, the performance is a little bit lower. It is underperforming based on what we would sort of like to see out of the portfolio, but it's also an understanding and expectation that markets do react differently, that we do have years of really great performances and years of not so good performances. So, it's understandable with everything that's been going on globally and with the ups and downs the market has seen that the performance is a little bit lower.\n\nBut I am happy to see that you've got a positive result after the last twelve months there as well. And it does mean your super has continued to grow even with what's been happening in the markets as well. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. In the email, when you are able to look at that, you do have a copy of all these documents. So I know it's a lot of numbers to go through and a lot for me to sort of put out there. When you do sort of look at the email, if you have additional questions, you can reply back or let us know, and we can answer those for you. But we have got a copy of all those documents attached for you.\n\nOkay?\n\nChannel 1: Alright. Good.\n\nChannel 0: Excellent. I also just wanted to touch on the estate planning side of things. So last year when we caught up, you had sorry. There was you didn't have a will or power of attorney in place. It was on the list of things to get sorted.\n\nI know you've had a lot to deal with and to do. Have you had more of a conversation around speaking to a solicitor, having a will and power of attorney\n\nChannel 1: No.\n\nChannel 0: set up, or anything like that? No. That's okay.\n\nChannel 1: No. I haven't.\n\nChannel 0: It's all okay. We do have options where we can refer you to a solicitor for the drawing up of a will. Did you want me to maybe send you a little bit of a general information email around different ways to access a solicitor, some, you know,\n\nChannel 1: Yeah. That\n\nChannel 0: costs\n\nChannel 1: would be\n\nChannel 0: involved\n\nChannel 1: good, actually.\n\nChannel 0: in setting up of a will? Yep. Beautiful.\n\nChannel 1: Yep. Anyone\n\nChannel 0: I can\n\nChannel 1: local\n\nChannel 0: do that.\n\nChannel 1: would be good too. I'm in I'm in Perth.\n\nChannel 0: Yep. That's okay. I don't specifically email in relation to the like, recommending a certain\n\nChannel 1: So\n\nChannel 0: solicitor in your area, but I can give you some general overview of one that we have access to, obviously, in Queensland here that gives you just not so much their details, but more of a costing of how much they\n\nChannel 1: Charge.\n\nChannel 0: charge to draft up a will and power of attorney to give you a bit of an idea. But all of the local all of the states do have access to, like, state trustees who can put you in touch with a solicitor either in your area or within your state. And I can show you or write down this, you know, how to access that, the general costing around that sort of service and what that looks like for you. Is that okay?\n\nChannel 1: Yeah. That'll be fine.\n\nChannel 0: Yep. Beautiful. I just am very cautious about recommending, certain solicitors because I don't know what they're like. And this is obviously a state planning, so it's your will power of attorneys. They're very sensitive conversations to have.\n\nSo I don't wanna sort of send you to a local solicitor if they're not correct for you. But I do know that all of the the states do have, like, a a state trustee, and they can put you in touch with a solicitor in your area, or they are just a government service that do wills and power of attorneys very easily, either either on the phone, via Teams, or in person. And they're much more of a cost effective way to have a very simple will and power of attorney set up for you as well if that's easier. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Beautiful. With regard to your super, just double checking the beneficiaries. Now I have 50% each to Victor and Vivian.\n\nChannel 1: Yep.\n\nChannel 0: Is that how you want those structured?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. And just confirming, Victor and Vivian, what relationship are they to you?\n\nChannel 1: And my son\n\nChannel 0: Okay. Beautiful. So 50% to each of your children.\n\nChannel 1: and daughter.\n\nChannel 0: Lovely. Fantastic. And with your life insurance there as well, you would like that to be exactly the same way, a 50% paid to each of your children in the event of passing.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Lovely. With the insurances you have at the moment, so you've got your life and TBD paid for at from your super funds. The current sum insured for your life cover is showing 699,116. With the life insurance, if you were to have, say, passed away today, your life insurance cover is paid out at the sum insured of 699,116, but then your super benefit is also paid out on top of that.\n\nSo it does essentially provide a benefit amount of just adding these together for you really quickly. $2.06 9. Out of that, 882,269. Do you feel like that's an appropriate level of cover?\n\nChannel 1: So the super was about 700,000. And then\n\nChannel 0: Yep.\n\nChannel 1: what was the other one?\n\nChannel 0: A\n\nChannel 1: The\n\nChannel 0: 100\n\nChannel 1: life?\n\nChannel 0: and 83,000 for your super benefit.\n\nChannel 1: 183. No. Super was 700, you said. Right?\n\nChannel 0: Yeah. No. So your life your life\n\nChannel 1: Oh,\n\nChannel 0: cover's the 699,000,\n\nChannel 1: a life\n\nChannel 0: and your\n\nChannel 1: cover. Okay.\n\nChannel 0: suit yeah. Your super benefit's $1.83. Sorry.\n\nChannel 1: I think that's enough.\n\nChannel 0: Yes. That's okay. What would you sort of want to have paid out? What would you how would you want that money distributed? Is it just distributed 50% to each of your children for them to sort\n\nChannel 1: Yeah.\n\nChannel 0: of, you know, yep, be covered and looked after and put through school and everything?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep. Beautiful. Excellent. With the total permanent disability side of things, you have the same level of cover.\n\nSo the 699,116 that you're insured for. And, again, if you were TV'd or never able to go back to work again, then we can also claim against your super and have that released under permanent incapacity. So it does give you the same level of cover as a sum insured. I'm not sure if it kind of went through last year or not, but I do like to clarify. If for any reason that because you're under 60, you claimed on that amount and the super benefit and your your PPD insurance was fully paid out to you as a lump sum, that is actually a tax payment, and the tax on that is up to 22%.\n\nSo just based on this at the moment, so we'll just say $8.83 oh, $8.82. So based on the current sum insured of the TBD plus your super benefit, if that was taxed at 22%, it means that you would lose about a $194,099 to taxation.\n\nChannel 1: Oh my god.\n\nChannel 0: Yeah. It's\n\nChannel 1: That's that's, like, if I if I become permanently disabled, I can't work.\n\nChannel 0: correct. That is a worst case scenario as well. So, realistically, if you were unable to ever go back to work again and you claimed on TBD, we as advisers would help you with the claim, but then we would also provide advice on how how best to minimize the tax. Obviously, the TBD payout needs to survive and last as long as you do. So it's not so much of a a one or two or three year payment.\n\nIt's about keeping that money lasting through your retirement as long as possible as well. So we would also provide financial advice on how best to structure the funds, how to draw the funds down so you could live and cover your expenditure as well as keeping it invested for as long as possible as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yeah. With the taxation, I do have to explain it is the highest amount. So it the tax is up to 22%. It's just something that not not a lot of people know, and previously, I've had clients come in saying they've claimed TCD, and they, you know, they lost a good one or two hundred thousand dollars on the payment, and that's because they took it all as a lump sum. There are ways to minimize the tax, and there's actually a fund math equation that the the super fund and the they all do to kinda work out the taxes up to 22%.\n\nSo the taxation could be a little bit less, but it just comes down to, you know, essentially your age and stage and how much you're claiming and when you are claiming. If you were to be over the age of 60 in claiming TPD, then there's no taxation on that. That is fully tax free.\n\nChannel 1: Okay.\n\nChannel 0: Yes. That's okay. That is a lot. I get that. Do you have any questions in relation to what I've just gone through for you?\n\nChannel 1: Not at the moment.\n\nChannel 0: No. That's okay. Are you fairly happy with the level of TBD you have at the\n\nChannel 1: Yeah. I think\n\nChannel 0: moment? Yeah. That's okay. That's alright. When\n\nChannel 1: so.\n\nChannel 0: you're\n\nChannel 1: I\n\nChannel 0: looking\n\nChannel 1: mean,\n\nChannel 0: at the documents\n\nChannel 1: I mean, am I supposed to have more?\n\nChannel 0: no. It was it's an individual choice. Not everyone does. I've got clients who only wanna cover, you know, their debts, their mortgages. You technically don't have a mortgage on your property, so, you know, that's, you know,\n\nChannel 1: Yeah.\n\nChannel 0: something that you don't have to realistically worry about. Other\n\nChannel 1: Yeah.\n\nChannel 0: clients want to cover themselves from, you know, their current income from the age of 25 to 65. Other clients just want a couple of years of income replacement, and some people just find that there's a certain amount of cover they're comfortable having. So admittedly, TBD, whilst you are on an income protection claim, is very difficult to increase. So they would exclude any preexisting conditions that you have gone through. So the fact that you with the breast cancer, they would, you know, exclude that probably or or any symptoms of.\n\nBut in saying that, it's gotta also cover what you wanted to cover. If you were to as much as you're 48, you're only 48 this year. So 47 now, 48 this year, you still have a lot of life to live, and TPD does have to provide as long as possible or cover for as long as possible. Because while some people do claim TPD and then within two, three, or four years can find another job to go back to, Other people do claim TPD and can never ever go back to work again. They are fully disabled, and that amount of money has to suffice and and give them enough living expenses for as long as possible for them and their families.\n\nSo it's a very the goal for what level of cover is important to you is different for everybody. And if you found that wasn't enough to you, you're welcome to let me know. I will go out there, look at, obviously, what is available to you, look at the costing of that, how we structure it, and update the recommendations to try and reflect. If we were to go out there and find that we weren't able to increase or weren't able to get anything different, that is a conversation we would have to come back and have. But it's it's gotta be about what's important to you as well, the level of\n\nChannel 1: That's\n\nChannel 0: cover\n\nChannel 1: fine.\n\nChannel 0: that's right for you and\n\nChannel 1: Yeah.\n\nChannel 0: your goals. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Oh, good. Sorry. It's a lot of information. Let me know if any questions do happen to come up, Catherine.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Easy. You've got your income protection policy there. You're on that claim at the moment, and that's being paid out of pocket. You still have your trauma policy, which has been reinstated as well. The current trauma amount is 187,030, and currently, the out of well, I know the income protection, you're not currently paying for that because you're on claim at the moment.\n\nBut the certificate of the currency shows the expected out of pocket cost is $261.57 per month. Because you're on an income protection claim, they shouldn't be you normally don't pay the income protection amount. So that amount you're currently paying out of pocket, that would be less. Have you had a look at your bank statements and how much the insurer is deducting on a monthly basis out of pocket for your insurances?\n\nChannel 1: Sorry. What what do you mean? I don't understand.\n\nChannel 0: Do you know how much, nearest are deducting from your bank account on a monthly basis for your current insurance policies out of pocket?\n\nChannel 1: Oh, yeah. It's for the cover.\n\nChannel 0: Yes.\n\nChannel 1: I can't remember. I can have a look. Do you wanna\n\nChannel 0: That's\n\nChannel 1: hold\n\nChannel 0: okay.\n\nChannel 1: on for a second?\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah. $160.15. That's for the\n\nChannel 0: Beautiful.\n\nChannel 1: trauma.\n\nChannel 0: Yep.\n\nChannel 1: Trauma. Right?\n\nChannel 0: Yes. That's correct.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. So the documentation you'll have in your annual review packet notes the monthly premium is $2.61 57. That is just based on the specific of currency that we have, but you are paying less because whilst you're on an income protection claim, they don't get you to pay the premiums. The premiums are always frozen whilst you're on a claim.\n\nSo that's why there'll be a difference between what you see in your annual review pack or the certificate of currency versus what's actually coming out of your bank account at the moment.\n\nChannel 1: Oh, so once I stop that income protection payment in, like,\n\nChannel 0: Okay?\n\nChannel 1: another\n\nChannel 0: It'll\n\nChannel 1: three years, then it'll go back\n\nChannel 0: start\n\nChannel 1: to\n\nChannel 0: again. Yeah. It will start again.\n\nChannel 1: the\n\nChannel 0: Yeah. Yep. And you've got a five year benefit,\n\nChannel 1: full\n\nChannel 0: so you should have about roughly three years left of\n\nChannel 1: amount?\n\nChannel 0: the income policy. Is that right?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yep. Yep. Beautiful. Excellent. Well, hopefully, things get a little bit better for you and you you know, the pain eases.\n\nI do hope that you can get back to work a few more days.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. It is\n\nChannel 1: Me too.\n\nChannel 0: I have gone through a lot for you. Are there any questions that might be coming out of anything at all at the moment?\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: That's okay.\n\nChannel 1: I guess,\n\nChannel 0: I am\n\nChannel 1: until\n\nChannel 0: sorry. It's\n\nChannel 1: we have\n\nChannel 0: a lot\n\nChannel 1: our\n\nChannel 0: of\n\nChannel 1: next\n\nChannel 0: information.\n\nChannel 1: appointment.\n\nChannel 0: Yep. Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Not a problem. Let's make that for you now. So it takes about four weeks for me to complete the research properly for you. So July 29, that brings us to the August 26.\n\nChannel 1: Twenty sixth of\n\nChannel 0: One, two, three, four. Yeah. August 26. Yeah.\n\nChannel 1: August.\n\nChannel 0: Did you prefer a Wednesday? What day is generally best for yourself?\n\nChannel 1: I think Tuesday is better.\n\nChannel 0: A Tuesday? Absolutely. And is it morning or afternoon that normally suits you better for the call?\n\nChannel 1: I think morning's better.\n\nChannel 0: Morning? That's okay. Did you want sort of first thing in the morning, nine or 10:00? Or\n\nChannel 1: Yeah. We can do 10:00.\n\nChannel 0: 10:00? Beautiful. There we go. It is.\n\nChannel 1: Yep.\n\nChannel 0: There\n\nChannel 1: So that's\n\nChannel 0: we go.\n\nChannel 1: August 25. Is that right?\n\nChannel 0: It is the twenty fifth. Yeah. The year is going by very fast. Beautiful. So what I'll do is I've just looked in my calendar.\n\nI'll add your email to the invite so it pops up with an email invitation for you to see because it is a couple of weeks away there. And if you find at any point that that changes or something comes up and you, you know, need a different time, just feel free to let me know, and we can reschedule it to a more suitable time for you. But at the moment,\n\nChannel 1: Okay.\n\nChannel 0: that is all locked in there for you for 10AM on the August 25 there. Okay?\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Lovely. That's okay. Now just to kind of recap, what I'm gonna be researching is looking at your suit for the current structure, the investments within. I'll factor in the employer contributions that you have going in there based on the previous income of about 12,000 per annum.\n\nChannel 1: Mhmm.\n\nChannel 0: I'll also sort of compare that with what's going into your sleep on a regular basis to make sure that adds up there for you. I will project out and look at additional contributions you were comfortable with $50 on a monthly basis to begin with. Does that sound accurate? Have I missed anything there at all?\n\nChannel 1: Mhmm.\n\nChannel 0: No? Fantastic. I will also just retain insurances exactly as they are for the moment. If you like, as part of that recap\n\nChannel 1: Yep.\n\nChannel 0: email, I can just note down your current insurance policy with a little bit of detail around life, TPD, and income and income protection and trauma for you just to kind of reiterate. And then if you do find you have additional questions, you can let me know, and I'll send through some details on solicitors and, like, the the different information around the wills and power of attorneys for you, some general information. Does that sound okay?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Fantastic. Everything else looks pretty good. Do you have any other goals, whether it be long term, medium term that you're looking to sort of achieve or in the next, you know, one, two, three, five, or ten years?\n\nChannel 1: Not really.\n\nChannel 0: No. That's okay.\n\nChannel 1: Not at\n\nChannel 0: That's\n\nChannel 1: the moment.\n\nChannel 0: absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine. That's okay. We'll just focus on super for the moment. If anything does change or come up, please let us know. You're still technically a pharmacist, and you're still going back to work for Wizard Pharmacy.\n\nHas any of that changed?\n\nChannel 1: No.\n\nChannel 0: Nope.\n\nChannel 1: I'm still\n\nChannel 0: That's okay.\n\nChannel 1: working there.\n\nChannel 0: Fantastic. Fantastic. Other than that, I've got you booked in on the twenty fifth, so I'll go back and do a little bit of research around the super side of things. If any questions do pop up, please let me know. I'll send you the email, and you can always email me back if you do happen happen to have any additional questions.\n\nIn the and the review pack, we have, as I mentioned, a copy of all the documents that I have gone through today explaining everything I've run through. It does also have your ongoing service agreement. So, for us to look after your super, monitor everything, and keep providing advice working towards your goals, we do charge an ongoing service fee. It is 1.65% per annum, and it is deducted in smaller monthly increments out of your super. So we wanna make sure your super is building and getting that 1.65% and then additional growth on top of that as well.\n\nSo if\n\nChannel 1: I think\n\nChannel 0: you're happy\n\nChannel 1: Savvy\n\nChannel 0: to stay\n\nChannel 1: was it Savvy?\n\nChannel 0: Yes.\n\nChannel 1: He looked at the fees last time, and he made an\n\nChannel 0: Mhmm.\n\nChannel 1: adjustment. Has it gone up\n\nChannel 0: Mhmm.\n\nChannel 1: since?\n\nChannel 0: Our fees are normally 1.65% on a regular basis. I don't have any notes here to say that that was reduced or should be lower as an ongoing basis.\n\nChannel 1: He made he made the adjustments a few years ago, maybe. I can't remember how much it was. I thought it was 1% back then\n\nChannel 0: Okay.\n\nChannel 1: when it was made.\n\nChannel 0: Would it have been maybe 1.10%?\n\nChannel 1: One point one, possibly. Yes.\n\nChannel 0: Yep. Yep. That's okay. I can seek approval to see if they're willing to see if our head of advice is willing to adjust the fees for that for the year for you if you like. But as your balance increases, there's a lot more work around it, and updating the advice on a regular basis does mean that we do have to charge your ongoing service fee.\n\nAnd as advisers, we are professional service as well. So we do normally charge 1.1 oh, sorry. 1.65%. I can go back to our head of advice and put your case forward and see if they're willing to adjust to 1.10 for the next year for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: That will be\n\nChannel 0: Beautiful.\n\nChannel 1: good. Thank you.\n\nChannel 0: That's okay. Not a problem at all. I'll let you know what the outcome is. If they agree to that, then a new ongoing service agreement will be sent out to you to sign and return back. If they don't, I'll come back and let you know.\n\nI would have to ask the question and seek approval from a head of advice in relation to that for you. Excellent. Happy to go back and do it. Not a problem at all, Catherine. We also do have our tax file consent form attached there.\n\nSo we do hold your tax phone number. It is sensitive information. We are very security conscious. That's why whenever you call us or we call you, we do security. Just making sure that all the information we hold that is\n\nChannel 1: Mhmm.\n\nChannel 0: tax phone number, and we just get you to sign and return that back just confirming that you are aware of that. Okay.\n\nChannel 1: Okay.\n\nChannel 0: Okay. Beautiful. I'll do a little recap email for you shortly so you've got all the information I've gone through and some estate planning details there. And if you find you have questions, let me know. Okay?\n\nChannel 1: Okay.\n\nChannel 0: That's okay. Is there any questions that might have popped up at the end of the call at all? Or nope. That's okay. Do you have any plans for the rest of the day?\n\nAre you relaxing? Or\n\nChannel 1: Yeah. I've got things to do.\n\nChannel 0: yes. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Well all good. Well, I was taking up enough of your time now. I really appreciate your time today. I do apologize. I know it is a lot to go through, so I'll send the recap email.\n\nAnd if there's any questions that come up, don't ever hesitate to give me a buzz. I'll go back and ask about the ongoing service fee and seek approval there for you. And I hope you have a really good day.\n\nChannel 1: Thank you. You too.\n\nChannel 0: Thank you for your time, Catherine. I'll talk to you soon.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Thank you. See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.01309672836214304},{"text":"Hello?","start":3.6,"end":4.1,"sentiment":"neutral","sentiment_score":0.021742388606071472}],"sentiment":"neutral","sentiment_score":0.017419558484107256,"channel":1,"num_words":2,"start":0.48,"end":4.1},{"sentences":[{"text":"Hi, Catherine.","start":5.04,"end":5.8399997,"sentiment":"neutral","sentiment_score":0.10051935538649559},{"text":"This is Zaina from Oakview Financial.","start":5.8399997,"end":7.62,"sentiment":"neutral","sentiment_score":0.15600975851217905},{"text":"How are you this morning?","start":7.7599998,"end":8.9,"sentiment":"neutral","sentiment_score":0.20526545345783234}],"sentiment":"neutral","sentiment_score":0.16641727147194055,"channel":0,"num_words":13,"start":5.04,"end":8.9},{"sentences":[{"text":"Hi.","start":9.2,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.27475863695144653},{"text":"Good.","start":9.5199995,"end":9.84,"sentiment":"positive","sentiment_score":0.5128500461578369},{"text":"Thank you.","start":9.84,"end":10.58,"sentiment":"positive","sentiment_score":0.627248615026474}],"sentiment":"positive","sentiment_score":0.5105264782905579,"channel":1,"num_words":4,"start":9.2,"end":10.58},{"sentences":[{"text":"That's good.","start":11.04,"end":11.5199995,"sentiment":"positive","sentiment_score":0.6563951671123505},{"text":"I had you booked in to go through a bit of an annual review today.","start":11.5199995,"end":15.201,"sentiment":"neutral","sentiment_score":0.216255584359169},{"text":"Is now still a","start":15.201,"end":16.479,"sentiment":"neutral","sentiment_score":0.09862837754189968}],"sentiment":"neutral","sentiment_score":0.23576845760856355,"channel":0,"num_words":21,"start":11.04,"end":16.479},{"sentences":[{"text":"Yes.","start":16.425,"end":16.824999,"sentiment":"neutral","sentiment_score":0.1837187260389328}],"sentiment":"neutral","sentiment_score":0.1837187260389328,"channel":1,"num_words":1,"start":16.425,"end":16.824999},{"sentences":[{"text":"good time","start":16.479,"end":17.118,"sentiment":"neutral","sentiment_score":0.19060976803302765}],"sentiment":"neutral","sentiment_score":0.19060976803302765,"channel":0,"num_words":2,"start":16.479,"end":17.118},{"sentences":[{"text":"That's fine.","start":16.824999,"end":17.564999,"sentiment":"neutral","sentiment_score":0.23345932364463806}],"sentiment":"neutral","sentiment_score":0.23345932364463806,"channel":1,"num_words":2,"start":16.824999,"end":17.564999},{"sentences":[{"text":"there for 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us","start":25.7445,"end":27.342,"sentiment":"neutral","sentiment_score":0.1855158030986786}],"sentiment":"neutral","sentiment_score":0.18384234514087439,"channel":0,"num_words":32,"start":17.118,"end":27.342},{"sentences":[{"text":"That's","start":27.064999,"end":27.384998,"sentiment":"neutral","sentiment_score":0.22198669612407684}],"sentiment":"neutral","sentiment_score":0.22198669612407684,"channel":1,"num_words":1,"start":27.064999,"end":27.384998},{"sentences":[{"text":"to","start":27.342,"end":27.661499,"sentiment":"neutral","sentiment_score":0.16732758283615112}],"sentiment":"neutral","sentiment_score":0.16732758283615112,"channel":0,"num_words":1,"start":27.342,"end":27.661499},{"sentences":[{"text":"fine.","start":27.384998,"end":27.66,"sentiment":"neutral","sentiment_score":0.180602103471756}],"sentiment":"neutral","sentiment_score":0.180602103471756,"channel":1,"num_words":1,"start":27.384998,"end":27.66},{"sentences":[{"text":"proceed with that?","start":27.661499,"end":28.62,"sentiment":"neutral","sentiment_score":0.18487597505251566},{"text":"Fantastic.","start":28.78,"end":29.02,"sentiment":"positive","sentiment_score":0.44808536767959595},{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":29.02,"end":34.8,"sentiment":"neutral","sentiment_score":0.1876484662294388}],"sentiment":"neutral","sentiment_score":0.1950637435211855,"channel":0,"num_words":34,"start":27.661499,"end":34.8},{"sentences":[{"text":"Catherine 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trying to access super and fully retire around about the age of 60.","start":698.35,"end":705.005,"sentiment":"neutral","sentiment_score":0.05570120930671692}],"sentiment":"neutral","sentiment_score":0.08179738869269688,"channel":0,"num_words":36,"start":694.11,"end":705.005},{"sentences":[{"text":"I know with your health, there's a lot of unknowns at the moment, but down the track, are we still with regard to super tracking for that goal?","start":705.465,"end":712.10504,"sentiment":"neutral","sentiment_score":0.007354929669028414},{"text":"Is that what you're after super wise at the moment?","start":712.10504,"end":714.60504,"sentiment":"neutral","sentiment_score":-0.0019206133205443622}],"sentiment":"neutral","sentiment_score":0.004913997303351368,"channel":0,"num_words":38,"start":705.465,"end":714.60504},{"sentences":[{"text":"That's the minimum age, isn't 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you.","start":742.675,"end":746.60004,"sentiment":"positive","sentiment_score":0.47793449130323196},{"text":"Absolutely fine.","start":746.60004,"end":747.66003,"sentiment":"positive","sentiment_score":0.7451585233211517},{"text":"I also had down here everything else looks like it's pretty well covered.","start":748.76,"end":755.96,"sentiment":"positive","sentiment_score":0.5889157308981969}],"sentiment":"positive","sentiment_score":0.5345097879568735,"channel":0,"num_words":36,"start":741.635,"end":755.96},{"sentences":[{"text":"It was more just the other goals around, yeah, sustainability around your health.","start":755.96,"end":760.665,"sentiment":"positive","sentiment_score":0.4382808460639073},{"text":"So making sure that you can focus on financial stability whilst being on an income protection 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months.","start":906.955,"end":916.05,"sentiment":"positive","sentiment_score":0.44463034076937313},{"text":"So they swapped those two investments out for you or swapped those investments around.","start":916.13,"end":920.47,"sentiment":"neutral","sentiment_score":0.16190359901104653}],"sentiment":"neutral","sentiment_score":0.3270747476610644,"channel":0,"num_words":58,"start":900.955,"end":920.47},{"sentences":[{"text":"Okay.","start":921.15,"end":921.65,"sentiment":"neutral","sentiment_score":0.1698022484779358}],"sentiment":"neutral","sentiment_score":0.1698022484779358,"channel":1,"num_words":1,"start":921.15,"end":921.65},{"sentences":[{"text":"Looking at the performance of your super over the last twelve months, so when we have a look back to last year, your balance is about a 176,990, and your balance now up to a $183,002.69.","start":922.05,"end":935.865,"sentiment":"neutral","sentiment_score":0.17666757996711466}],"sentiment":"neutral","sentiment_score":0.17666757996711466,"channel":0,"num_words":36,"start":922.05,"end":935.865},{"sentences":[{"text":"Okay.","start":936.845,"end":937.345,"sentiment":"neutral","sentiment_score":0.1200399398803711}],"sentiment":"neutral","sentiment_score":0.1200399398803711,"channel":1,"num_words":1,"start":936.845,"end":937.345},{"sentences":[{"text":"When I sort of confirm that against the average balance of someone your age so for someone of your age and a female, the average balance is about 107,000.","start":937.045,"end":947.4,"sentiment":"neutral","sentiment_score":0.09073658480212607},{"text":"So your balance is higher than the average person's of your same age and stage, which is good.","start":947.4,"end":952.7,"sentiment":"positive","sentiment_score":0.3600143881307708},{"text":"That's what we want, but we want that to continue growing.","start":952.84,"end":955.72003,"sentiment":"positive","sentiment_score":0.446089966730638},{"text":"So I would like to just go back, reevaluate the investments, maybe see if there's other swaps we need to maybe make there to make there to keep you on track, look at what we're projecting forward for.","start":955.72003,"end":965.98505,"sentiment":"positive","sentiment_score":0.3490549188695456},{"text":"Because having a look at things, so you're as of September this year, you're about 48.","start":965.98505,"end":971.185,"sentiment":"neutral","sentiment_score":0.12877161987125874}],"sentiment":"neutral","sentiment_score":0.2619914501306734,"channel":0,"num_words":112,"start":937.045,"end":971.185},{"sentences":[{"text":"Is that right?","start":971.185,"end":972.085,"sentiment":"neutral","sentiment_score":0.10125053177277248}],"sentiment":"neutral","sentiment_score":0.10125053177277248,"channel":0,"num_words":3,"start":971.185,"end":972.085},{"sentences":[{"text":"Yeah.","start":972.65,"end":973.15,"sentiment":"neutral","sentiment_score":0.09620269387960434}],"sentiment":"neutral","sentiment_score":0.09620269387960434,"channel":1,"num_words":1,"start":972.65,"end":973.15},{"sentences":[{"text":"Yeah.","start":973.905,"end":974.25,"sentiment":"neutral","sentiment_score":0.1040307879447937},{"text":"So I would like to go back to have a bit of a look at what we're tracking for.","start":974.49,"end":978.35,"sentiment":"neutral","sentiment_score":0.06164139087655043},{"text":"I know with you not working as much as much as you were, obviously, your contributions are gonna be lower going into the fund.","start":978.81,"end":986.59,"sentiment":"negative","sentiment_score":-0.4253139207139611},{"text":"With you saving, the kind of reason I ask about, looking at, your expendable income and what you're saving is are you open to or are you in a position to maybe look at making additional contributions into super if that's gonna provide benefit and give your super longevity, allowing you to draw that thousand dollars per week for longer.","start":987.21,"end":1007.26,"sentiment":"neutral","sentiment_score":0.2357875699798266},{"text":"Is that something you're open to at the moment, or are you not really in a position to do that currently?","start":1007.56,"end":1011.96,"sentiment":"neutral","sentiment_score":0.030043452091160276}],"sentiment":"neutral","sentiment_score":0.04676679848134518,"channel":0,"num_words":125,"start":973.905,"end":1011.96},{"sentences":[{"text":"How do you feel about it?","start":1011.96,"end":1013.42,"sentiment":"neutral","sentiment_score":0.03527687800427278}],"sentiment":"neutral","sentiment_score":0.03527687800427278,"channel":0,"num_words":6,"start":1011.96,"end":1013.42},{"sentences":[{"text":"Yes.","start":1016.13,"end":1016.29004,"sentiment":"neutral","sentiment_score":0.23749110102653503},{"text":"I I might be able to.","start":1016.29004,"end":1018.07,"sentiment":"neutral","sentiment_score":0.237738236784935},{"text":"Yeah.","start":1018.13,"end":1018.63,"sentiment":"neutral","sentiment_score":0.1682608127593994}],"sentiment":"neutral","sentiment_score":0.22902266681194305,"channel":1,"num_words":8,"start":1016.13,"end":1018.63},{"sentences":[{"text":"Yeah.","start":1018.6,"end":1019.0,"sentiment":"neutral","sentiment_score":0.136398583650589},{"text":"What would be your comfort level?","start":1019.0,"end":1020.585,"sentiment":"neutral","sentiment_score":0.15232489258050919},{"text":"Is there an amount you'd be comfortable starting with and then kind of building on that over time?","start":1020.585,"end":1025.885,"sentiment":"neutral","sentiment_score":0.1278109678791629}],"sentiment":"neutral","sentiment_score":0.13403781443834306,"channel":0,"num_words":25,"start":1018.6,"end":1025.885},{"sentences":[{"text":"Maybe, like, $50 a month?","start":1031.555,"end":1035.955,"sentiment":"neutral","sentiment_score":0.04456631019711495},{"text":"Or","start":1035.955,"end":1036.455,"sentiment":"neutral","sentiment_score":0.03901347517967224}],"sentiment":"neutral","sentiment_score":0.043640837694207825,"channel":1,"num_words":6,"start":1031.555,"end":1036.455},{"sentences":[{"text":"50 per month?","start":1036.28,"end":1037.4,"sentiment":"neutral","sentiment_score":0.034758467227220535},{"text":"Yeah.","start":1037.4,"end":1037.88,"sentiment":"neutral","sentiment_score":0.11275191605091096},{"text":"Yeah.","start":1037.88,"end":1038.38,"sentiment":"neutral","sentiment_score":0.20683015882968905},{"text":"Absolutely.","start":1038.4401,"end":1038.9401,"sentiment":"positive","sentiment_score":0.33978772163391113},{"text":"So what I'll go through is I'll go back and have a look at the investments, have a look at the way your super is structured, look at what your, you know, the fees are for your investments, look at the overall projected outcome based on your current super and investment structure.","start":1039.8,"end":1054.2051,"sentiment":"neutral","sentiment_score":0.21532176119776872}],"sentiment":"neutral","sentiment_score":0.20621339276689907,"channel":0,"num_words":58,"start":1036.28,"end":1054.2051},{"sentences":[{"text":"I can review that with some other investment swaps and changes to make sure that you're in a portfolio that is as lower cost as possible, that you're getting the best possible returns based on past performance, and look at projecting that out to the age of 60 for you to kinda give you a limited overview of what we're expecting based on your current scenario and the changes to sort of see whether we update the advice and make some changes.","start":1054.745,"end":1078.795,"sentiment":"neutral","sentiment_score":0.24678651933989873},{"text":"Does that sound okay to you, Catherine?","start":1078.855,"end":1080.555,"sentiment":"neutral","sentiment_score":0.1673722607748849},{"text":"Yeah.","start":1080.935,"end":1081.435,"sentiment":"neutral","sentiment_score":0.06951040774583817}],"sentiment":"neutral","sentiment_score":0.23864012021157477,"channel":0,"num_words":90,"start":1054.745,"end":1081.435},{"sentences":[{"text":"Mhmm.","start":1081.015,"end":1081.0951,"sentiment":"neutral","sentiment_score":0.06465502083301544},{"text":"Yeah.","start":1081.0951,"end":1081.5951,"sentiment":"neutral","sentiment_score":0.17143961787223816},{"text":"That sounds good.","start":1081.655,"end":1082.4551,"sentiment":"neutral","sentiment_score":0.33317598700523376}],"sentiment":"neutral","sentiment_score":0.247124519944191,"channel":1,"num_words":5,"start":1081.015,"end":1082.4551},{"sentences":[{"text":"Yep.","start":1082.295,"end":1082.795,"sentiment":"neutral","sentiment_score":0.14475472271442413}],"sentiment":"neutral","sentiment_score":0.14475472271442413,"channel":0,"num_words":1,"start":1082.295,"end":1082.795},{"sentences":[{"text":"So does that mean","start":1082.4551,"end":1083.3351,"sentiment":"neutral","sentiment_score":0.07795694749802351}],"sentiment":"neutral","sentiment_score":0.07795694749802351,"channel":1,"num_words":4,"start":1082.4551,"end":1083.3351},{"sentences":[{"text":"Beautiful.","start":1083.175,"end":1083.675,"sentiment":"neutral","sentiment_score":0.08799141645431519}],"sentiment":"neutral","sentiment_score":0.08799141645431519,"channel":0,"num_words":1,"start":1083.175,"end":1083.675},{"sentences":[{"text":"we'll need another phone call?","start":1083.3351,"end":1085.995,"sentiment":"neutral","sentiment_score":-0.027196092158555986},{"text":"And","start":1086.6951,"end":1087.0951,"sentiment":"neutral","sentiment_score":-0.03962897509336472}],"sentiment":"neutral","sentiment_score":-0.02926823931435744,"channel":1,"num_words":6,"start":1083.3351,"end":1087.0951},{"sentences":[{"text":"Yeah.","start":1087.015,"end":1087.26,"sentiment":"neutral","sentiment_score":-0.038729190826416016}],"sentiment":"neutral","sentiment_score":-0.038729190826416016,"channel":0,"num_words":1,"start":1087.015,"end":1087.26},{"sentences":[{"text":"I don't know.","start":1087.0951,"end":1087.655,"sentiment":"neutral","sentiment_score":-0.06094939510027567},{"text":"How long does it take for you to do that?","start":1087.655,"end":1089.415,"sentiment":"neutral","sentiment_score":-0.04345697425305843},{"text":"A week or","start":1089.415,"end":1089.9751,"sentiment":"neutral","sentiment_score":-0.020799591516455013}],"sentiment":"neutral","sentiment_score":-0.042488543898798525,"channel":1,"num_words":16,"start":1087.0951,"end":1089.9751},{"sentences":[{"text":"Takes","start":1089.8201,"end":1090.3201,"sentiment":"neutral","sentiment_score":-0.024245303124189377}],"sentiment":"neutral","sentiment_score":-0.024245303124189377,"channel":0,"num_words":1,"start":1089.8201,"end":1090.3201},{"sentences":[{"text":"so?","start":1089.9751,"end":1090.4751,"sentiment":"neutral","sentiment_score":-0.03677837178111077}],"sentiment":"neutral","sentiment_score":-0.03677837178111077,"channel":1,"num_words":1,"start":1089.9751,"end":1090.4751},{"sentences":[{"text":"takes about four weeks for me to complete the research properly to","start":1090.78,"end":1093.74,"sentiment":"neutral","sentiment_score":-0.02985256879280011}],"sentiment":"neutral","sentiment_score":-0.02985256879280011,"channel":0,"num_words":12,"start":1090.78,"end":1093.74},{"sentences":[{"text":"Four weeks.","start":1093.5751,"end":1094.07,"sentiment":"neutral","sentiment_score":-0.018607928417623043}],"sentiment":"neutral","sentiment_score":-0.018607928417623043,"channel":1,"num_words":2,"start":1093.5751,"end":1094.07},{"sentences":[{"text":"make sure I'm","start":1093.74,"end":1094.3,"sentiment":"neutral","sentiment_score":0.00937995066245397}],"sentiment":"neutral","sentiment_score":0.00937995066245397,"channel":0,"num_words":3,"start":1093.74,"end":1094.3},{"sentences":[{"text":"Okay.","start":1094.1499,"end":1094.6499,"sentiment":"neutral","sentiment_score":0.03761713206768036}],"sentiment":"neutral","sentiment_score":0.03761713206768036,"channel":1,"num_words":1,"start":1094.1499,"end":1094.6499},{"sentences":[{"text":"looking at everything.","start":1094.3,"end":1095.28,"sentiment":"neutral","sentiment_score":0.03376080095767975},{"text":"So I can rebook you in for another four weeks if you're comfortable to do so, or if you prefer, my team can just let you know when the advice is ready.","start":1096.3,"end":1103.765,"sentiment":"neutral","sentiment_score":0.12583053717389703},{"text":"Do are you comfortable with me just making a time in four weeks, or what does your schedule look like?","start":1103.985,"end":1108.645,"sentiment":"neutral","sentiment_score":0.11145993787795305}],"sentiment":"neutral","sentiment_score":0.115582879090851,"channel":0,"num_words":55,"start":1094.3,"end":1108.645},{"sentences":[{"text":"Yes.","start":1109.6699,"end":1110.045,"sentiment":"neutral","sentiment_score":0.06360825896263123},{"text":"That's fine.","start":1110.125,"end":1110.9451,"sentiment":"positive","sentiment_score":0.36389704048633575},{"text":"Yep.","start":1111.3251,"end":1111.8251,"sentiment":"neutral","sentiment_score":0.1945962905883789}],"sentiment":"neutral","sentiment_score":0.2464996576309204,"channel":1,"num_words":4,"start":1109.6699,"end":1111.8251},{"sentences":[{"text":"Yep.","start":1112.385,"end":1112.885,"sentiment":"neutral","sentiment_score":0.20658837258815765}],"sentiment":"neutral","sentiment_score":0.20658837258815765,"channel":0,"num_words":1,"start":1112.385,"end":1112.885},{"sentences":[{"text":"We can take","start":1112.4451,"end":1113.245,"sentiment":"positive","sentiment_score":0.39476922154426575}],"sentiment":"positive","sentiment_score":0.39476922154426575,"channel":1,"num_words":3,"start":1112.4451,"end":1113.245},{"sentences":[{"text":"Beautiful.","start":1113.105,"end":1113.605,"sentiment":"positive","sentiment_score":0.6602993011474609}],"sentiment":"positive","sentiment_score":0.6602993011474609,"channel":0,"num_words":1,"start":1113.105,"end":1113.605},{"sentences":[{"text":"your time.","start":1113.245,"end":1113.905,"sentiment":"positive","sentiment_score":0.5746313035488129}],"sentiment":"positive","sentiment_score":0.5746313035488129,"channel":1,"num_words":2,"start":1113.245,"end":1113.905},{"sentences":[{"text":"Yep.","start":1114.465,"end":1114.865,"sentiment":"positive","sentiment_score":0.3897431492805481},{"text":"Beautiful.","start":1114.865,"end":1115.365,"sentiment":"positive","sentiment_score":0.7258358001708984},{"text":"Excellent.","start":1115.425,"end":1115.905,"sentiment":"positive","sentiment_score":0.6996476054191589},{"text":"Before we end the call today, I'll make sure I go back and book that appointment for you, and we'll go back and just review everything.","start":1115.905,"end":1121.7,"sentiment":"neutral","sentiment_score":0.15497885787716278},{"text":"Because this portfolio is much older, and while we have made that one change to the Australian equities, there might be other changes that we can make.","start":1121.7,"end":1129.08,"sentiment":"neutral","sentiment_score":-0.00245232023277182}],"sentiment":"neutral","sentiment_score":0.10318686095342855,"channel":0,"num_words":56,"start":1114.465,"end":1129.08},{"sentences":[{"text":"It's important It's important to continuously update the portfolio as time goes on and make changes to your circumstances affect your super, especially with, you know, reduction in contributions and things like that.","start":1129.54,"end":1139.995,"sentiment":"neutral","sentiment_score":0.032819852120045456},{"text":"So it is really important to keep updating things.","start":1139.995,"end":1142.495,"sentiment":"neutral","sentiment_score":0.12726357413662803},{"text":"And I can also add, like, a limited scoping to show you what the retirement projection looks like at the age of 60 for you based on the recommendations we're making to sort of show you where we're tracking for where we're heading.","start":1143.16,"end":1155.495,"sentiment":"neutral","sentiment_score":0.09725557510242906},{"text":"Does that sound okay?","start":1155.495,"end":1156.715,"sentiment":"neutral","sentiment_score":0.0995176974684}],"sentiment":"neutral","sentiment_score":0.07649986299403598,"channel":0,"num_words":89,"start":1129.54,"end":1156.715},{"sentences":[{"text":"Mhmm.","start":1157.13,"end":1157.2899,"sentiment":"neutral","sentiment_score":0.030935000628232956},{"text":"Yeah.","start":1157.2899,"end":1157.61,"sentiment":"neutral","sentiment_score":0.06971669942140579},{"text":"That that would be","start":1157.61,"end":1158.49,"sentiment":"neutral","sentiment_score":0.17159701883792877}],"sentiment":"neutral","sentiment_score":0.13117329590022564,"channel":1,"num_words":6,"start":1157.13,"end":1158.49},{"sentences":[{"text":"Yep.","start":1158.375,"end":1158.875,"sentiment":"neutral","sentiment_score":0.225096195936203}],"sentiment":"neutral","sentiment_score":0.225096195936203,"channel":0,"num_words":1,"start":1158.375,"end":1158.875},{"sentences":[{"text":"good.","start":1158.49,"end":1158.735,"sentiment":"neutral","sentiment_score":0.32920485734939575}],"sentiment":"neutral","sentiment_score":0.32920485734939575,"channel":1,"num_words":1,"start":1158.49,"end":1158.735},{"sentences":[{"text":"Do you have any questions about that?","start":1159.255,"end":1161.175,"sentiment":"neutral","sentiment_score":0.08424187983785357},{"text":"You're welcome to ask me to break something something down or if you had further questions there, Catherine.","start":1161.175,"end":1166.0751,"sentiment":"neutral","sentiment_score":0.14070693776011467}],"sentiment":"neutral","sentiment_score":0.12489672154188156,"channel":0,"num_words":25,"start":1159.255,"end":1166.0751},{"sentences":[{"text":"I I think I probably would have questions, but if I like, maybe in the next call, once you've done 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age,","start":1177.4099,"end":1186.61,"sentiment":"neutral","sentiment_score":0.035074068882845734}],"sentiment":"neutral","sentiment_score":0.035074068882845734,"channel":1,"num_words":38,"start":1177.4099,"end":1186.61},{"sentences":[{"text":"Yep.","start":1186.595,"end":1187.095,"sentiment":"neutral","sentiment_score":0.01024926733225584}],"sentiment":"neutral","sentiment_score":0.01024926733225584,"channel":0,"num_words":1,"start":1186.595,"end":1187.095},{"sentences":[{"text":"blah blah blah, that kind","start":1186.61,"end":1187.745,"sentiment":"neutral","sentiment_score":-0.024710307642817498}],"sentiment":"neutral","sentiment_score":-0.024710307642817498,"channel":1,"num_words":5,"start":1186.61,"end":1187.745},{"sentences":[{"text":"Yes.","start":1187.635,"end":1188.135,"sentiment":"neutral","sentiment_score":0.05422613024711609}],"sentiment":"neutral","sentiment_score":0.05422613024711609,"channel":0,"num_words":1,"start":1187.635,"end":1188.135},{"sentences":[{"text":"of 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globally.","start":1195.63,"end":1202.61,"sentiment":"neutral","sentiment_score":-0.05782553471624851},{"text":"The net after after fees performance you've received in your super is 4.65%.","start":1203.4701,"end":1208.99,"sentiment":"neutral","sentiment_score":0.01578037841961934}],"sentiment":"neutral","sentiment_score":0.04999029011620829,"channel":0,"num_words":48,"start":1190.675,"end":1208.99},{"sentences":[{"text":"So at the moment, you are in that growth kind of environment, which generally sees about 80% in those higher risk investments like international and Australian shares, listed property and commodities.","start":1208.99,"end":1219.885,"sentiment":"neutral","sentiment_score":-0.01093231976753281},{"text":"This sort of portfolio, we are looking to track and try and obtain about a seven to 9% on an annual basis.","start":1220.745,"end":1226.26,"sentiment":"neutral","sentiment_score":0.015469549562443386},{"text":"So this year with the ups and downs the market has seen, the performance is a little bit lower.","start":1226.26,"end":1231.78,"sentiment":"neutral","sentiment_score":-0.12153861593259008},{"text":"It is underperforming based on what we would sort of like to see out of the portfolio, but it's also an understanding and expectation that markets do react differently, that we do have years of really great performances and years of not so good performances.","start":1231.78,"end":1245.9751,"sentiment":"neutral","sentiment_score":-0.14487167762385475},{"text":"So, it's understandable with everything that's been going on globally and with the ups and downs the market has seen that the performance is a little bit lower.","start":1246.275,"end":1254.26,"sentiment":"neutral","sentiment_score":-0.06344772995050464}],"sentiment":"neutral","sentiment_score":-0.07312805142639012,"channel":0,"num_words":145,"start":1208.99,"end":1254.26},{"sentences":[{"text":"But I am happy to see that you've got a positive result after the last twelve months there as 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documents.","start":1269.115,"end":1273.4349,"sentiment":"neutral","sentiment_score":0.12686888612806796},{"text":"So I know it's a lot of numbers to go through and a lot for me to sort of put out there.","start":1273.4349,"end":1277.49,"sentiment":"neutral","sentiment_score":0.13946586711840195},{"text":"When you do sort of look at the email, if you have additional questions, you can reply back or let us know, and we can answer those for you.","start":1278.05,"end":1284.63,"sentiment":"neutral","sentiment_score":0.09746251203890505},{"text":"But we have got a copy of all those documents attached for you.","start":1284.77,"end":1287.89,"sentiment":"neutral","sentiment_score":0.0681891802411813}],"sentiment":"neutral","sentiment_score":0.1138026229598943,"channel":0,"num_words":85,"start":1267.035,"end":1287.89},{"sentences":[{"text":"Okay?","start":1287.89,"end":1288.39,"sentiment":"neutral","sentiment_score":0.07073234021663666}],"sentiment":"neutral","sentiment_score":0.07073234021663666,"channel":0,"num_words":1,"start":1287.89,"end":1288.39},{"sentences":[{"text":"Alright.","start":1287.9349,"end":1288.4349,"sentiment":"neutral","sentiment_score":0.13560232520103457},{"text":"Good.","start":1288.495,"end":1288.995,"sentiment":"neutral","sentiment_score":0.30870258808135986}],"sentiment":"neutral","sentiment_score":0.2221524566411972,"channel":1,"num_words":2,"start":1287.9349,"end":1288.995},{"sentences":[{"text":"Excellent.","start":1289.65,"end":1290.15,"sentiment":"positive","sentiment_score":0.3990499973297119},{"text":"I also just wanted to touch on the estate planning side of things.","start":1291.265,"end":1294.3049,"sentiment":"neutral","sentiment_score":0.10212300316645549},{"text":"So last year when we caught up, you had sorry.","start":1294.3049,"end":1299.1849,"sentiment":"neutral","sentiment_score":-0.004965490102767945},{"text":"There was you didn't have a will or power of attorney in place.","start":1299.1849,"end":1302.065,"sentiment":"neutral","sentiment_score":-0.035826427288926564},{"text":"It was on the list of things to get sorted.","start":1302.065,"end":1304.225,"sentiment":"neutral","sentiment_score":-0.0346639646217227}],"sentiment":"neutral","sentiment_score":0.018395977372184714,"channel":0,"num_words":47,"start":1289.65,"end":1304.225},{"sentences":[{"text":"I know you've had a lot to deal with and to do.","start":1304.225,"end":1306.68,"sentiment":"neutral","sentiment_score":-0.040535369887948036},{"text":"Have you had more of a conversation around speaking to a solicitor, having a will and power of 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different ways to access a solicitor, some, you know,","start":1324.1951,"end":1332.8351,"sentiment":"neutral","sentiment_score":0.03412419134894243}],"sentiment":"neutral","sentiment_score":0.031403425110814474,"channel":0,"num_words":48,"start":1317.56,"end":1332.8351},{"sentences":[{"text":"Yeah.","start":1332.5701,"end":1332.81,"sentiment":"neutral","sentiment_score":-0.0013905930100008843},{"text":"That","start":1332.81,"end":1332.97,"sentiment":"neutral","sentiment_score":0.07613793760538101}],"sentiment":"neutral","sentiment_score":0.037373672297690064,"channel":1,"num_words":2,"start":1332.5701,"end":1332.97},{"sentences":[{"text":"costs","start":1332.8351,"end":1333.3151,"sentiment":"neutral","sentiment_score":0.047758471220731735}],"sentiment":"neutral","sentiment_score":0.047758471220731735,"channel":0,"num_words":1,"start":1332.8351,"end":1333.3151},{"sentences":[{"text":"would 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general costing around that sort of service and what that looks like for you.","start":1374.54,"end":1382.585,"sentiment":"neutral","sentiment_score":0.12628495221336683},{"text":"Is that okay?","start":1382.585,"end":1383.485,"sentiment":"neutral","sentiment_score":0.08669644097487132}],"sentiment":"neutral","sentiment_score":0.10675310161674306,"channel":0,"num_words":84,"start":1360.0651,"end":1383.485},{"sentences":[{"text":"Yeah.","start":1384.13,"end":1384.45,"sentiment":"neutral","sentiment_score":0.06977812200784683},{"text":"That'll be 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83,000 for your super benefit.","start":1523.725,"end":1526.225,"sentiment":"neutral","sentiment_score":0.0044421779457479715}],"sentiment":"neutral","sentiment_score":0.0044421779457479715,"channel":0,"num_words":6,"start":1523.725,"end":1526.225},{"sentences":[{"text":"183.","start":1528.325,"end":1529.96,"sentiment":"neutral","sentiment_score":-0.005109142977744341},{"text":"No.","start":1530.74,"end":1531.0599,"sentiment":"neutral","sentiment_score":-0.056781671941280365},{"text":"Super was 700, you 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clarify.","start":1588.66,"end":1592.2001,"sentiment":"neutral","sentiment_score":-0.07245006167182796},{"text":"If for any reason that because you're under 60, you claimed on that amount and the super benefit and your your PPD insurance was fully paid out to you as a lump sum, that is actually a tax payment, and the tax on that is up to 22%.","start":1592.42,"end":1610.0751,"sentiment":"neutral","sentiment_score":-0.1567107760347426}],"sentiment":"neutral","sentiment_score":-0.07783501412151224,"channel":0,"num_words":118,"start":1569.1549,"end":1610.0751},{"sentences":[{"text":"So just based on this at the moment, so we'll just say $8.83 oh, $8.82.","start":1610.73,"end":1617.5499,"sentiment":"neutral","sentiment_score":-0.0491271668424209},{"text":"So based on the current sum insured of the TBD plus your super benefit, if that was taxed at 22%, it means that you would lose about a $194,099 to 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let me know.","start":2293.72,"end":2296.3,"sentiment":"neutral","sentiment_score":0.1253042511641979},{"text":"I'll send you the email, and you can always email me back if you do happen happen to have any additional questions.","start":2296.52,"end":2301.785,"sentiment":"neutral","sentiment_score":0.1475515396080234}],"sentiment":"neutral","sentiment_score":0.20053395345097497,"channel":0,"num_words":63,"start":2285.08,"end":2301.785},{"sentences":[{"text":"In the and the review pack, we have, as I mentioned, a copy of all the documents that I have gone through today explaining everything I've run through.","start":2302.245,"end":2309.205,"sentiment":"neutral","sentiment_score":0.11350962918783937},{"text":"It does also have your ongoing service agreement.","start":2309.205,"end":2311.685,"sentiment":"neutral","sentiment_score":0.10073130670934916},{"text":"So, for us to look after your super, monitor everything, and keep providing advice working towards your goals, we do charge an ongoing service fee.","start":2311.685,"end":2320.4202,"sentiment":"neutral","sentiment_score":0.17003692537546158},{"text":"It is 1.65% per annum, and it is deducted in smaller monthly increments out of your super.","start":2320.48,"end":2326.0,"sentiment":"neutral","sentiment_score":0.11379530324655421},{"text":"So we wanna make sure your super is building and getting that 1.65% and then additional growth on top of that as well.","start":2326.0,"end":2333.2551,"sentiment":"neutral","sentiment_score":0.2816460832305577}],"sentiment":"neutral","sentiment_score":0.1648259730179711,"channel":0,"num_words":101,"start":2302.245,"end":2333.2551},{"sentences":[{"text":"So if","start":2333.2551,"end":2333.895,"sentiment":"neutral","sentiment_score":0.19903508573770523}],"sentiment":"neutral","sentiment_score":0.19903508573770523,"channel":0,"num_words":2,"start":2333.2551,"end":2333.895},{"sentences":[{"text":"I 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if our head of advice is willing to adjust the fees for that for the year for you if you like.","start":2384.19,"end":2392.855,"sentiment":"neutral","sentiment_score":0.06015355815179646},{"text":"But as your balance increases, there's a lot more work around it, and updating the advice on a regular basis does mean that we do have to charge your ongoing service fee.","start":2394.035,"end":2402.24,"sentiment":"neutral","sentiment_score":-0.046781943703535944}],"sentiment":"neutral","sentiment_score":0.012473821941324893,"channel":0,"num_words":68,"start":2381.87,"end":2402.24},{"sentences":[{"text":"And as advisers, we are professional service as well.","start":2402.54,"end":2405.52,"sentiment":"neutral","sentiment_score":0.0067941319818298025},{"text":"So we do normally charge 1.1 oh, 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details there.","start":2470.1948,"end":2477.315,"sentiment":"neutral","sentiment_score":0.31356799850861233},{"text":"And if you find you have questions, let me know.","start":2477.315,"end":2479.2349,"sentiment":"neutral","sentiment_score":0.19288270324468612},{"text":"Okay?","start":2479.2349,"end":2479.7349,"sentiment":"neutral","sentiment_score":0.13361269235610962}],"sentiment":"neutral","sentiment_score":0.27610877196531036,"channel":0,"num_words":37,"start":2468.5,"end":2479.7349},{"sentences":[{"text":"Okay.","start":2480.5151,"end":2481.0151,"sentiment":"neutral","sentiment_score":0.1794731765985489}],"sentiment":"neutral","sentiment_score":0.1794731765985489,"channel":1,"num_words":1,"start":2480.5151,"end":2481.0151},{"sentences":[{"text":"That's okay.","start":2481.635,"end":2482.4348,"sentiment":"neutral","sentiment_score":0.3144334554672241},{"text":"Is there any questions that might have popped up at the end of the call at all?","start":2482.4348,"end":2486.1902,"sentiment":"neutral","sentiment_score":0.054477499907507616},{"text":"Or nope.","start":2486.1902,"end":2488.9302,"sentiment":"neutral","sentiment_score":-0.10762914270162582},{"text":"That's okay.","start":2489.31,"end":2489.9502,"sentiment":"neutral","sentiment_score":0.20057092607021332},{"text":"Do you have any plans for the rest of the day?","start":2489.9502,"end":2491.9102,"sentiment":"neutral","sentiment_score":0.25127767703749915}],"sentiment":"neutral","sentiment_score":0.1324977183385807,"channel":0,"num_words":34,"start":2481.635,"end":2491.9102},{"sentences":[{"text":"Are you relaxing?","start":2491.9102,"end":2493.01,"sentiment":"neutral","sentiment_score":0.14644870162010193},{"text":"Or","start":2493.1501,"end":2493.6501,"sentiment":"neutral","sentiment_score":0.06189027428627014}],"sentiment":"neutral","sentiment_score":0.12530909478664398,"channel":0,"num_words":4,"start":2491.9102,"end":2493.6501},{"sentences":[{"text":"Yeah.","start":2496.4,"end":2496.8,"sentiment":"neutral","sentiment_score":0.1947770118713379},{"text":"I've got things to 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now.","start":2502.685,"end":2505.2449,"sentiment":"positive","sentiment_score":0.3946678787469864},{"text":"I really appreciate your time today.","start":2505.2449,"end":2507.185,"sentiment":"positive","sentiment_score":0.7705543041229248},{"text":"I do apologize.","start":2507.43,"end":2508.23,"sentiment":"neutral","sentiment_score":0.000836727519830068},{"text":"I know it is a lot to go through, so I'll send the recap email.","start":2508.23,"end":2512.23,"sentiment":"neutral","sentiment_score":0.05280386557181676}],"sentiment":"neutral","sentiment_score":0.30320590291474314,"channel":0,"num_words":37,"start":2501.565,"end":2512.23},{"sentences":[{"text":"And if there's any questions that come up, don't ever hesitate to give me a buzz.","start":2512.23,"end":2515.6099,"sentiment":"neutral","sentiment_score":0.16741167614236474},{"text":"I'll go back and ask about the ongoing service fee and seek approval there for you.","start":2515.91,"end":2519.75,"sentiment":"neutral","sentiment_score":0.28638843540102243},{"text":"And I hope you have a really good day.","start":2519.75,"end":2521.833,"sentiment":"positive","sentiment_score":0.7201922668351067}],"sentiment":"positive","sentiment_score":0.33518371185878426,"channel":0,"num_words":41,"start":2512.23,"end":2521.833},{"sentences":[{"text":"Thank you.","start":2522.75,"end":2523.41,"sentiment":"positive","sentiment_score":0.7639942467212677},{"text":"You too.","start":2523.55,"end":2524.29,"sentiment":"positive","sentiment_score":0.5624835789203644}],"sentiment":"positive","sentiment_score":0.663238912820816,"channel":1,"num_words":4,"start":2522.75,"end":2524.29},{"sentences":[{"text":"Thank you for your time, Catherine.","start":2523.993,"end":2525.513,"sentiment":"positive","sentiment_score":0.7246871789296468},{"text":"I'll talk to you soon.","start":2525.513,"end":2526.733,"sentiment":"positive","sentiment_score":0.5350353121757507}],"sentiment":"positive","sentiment_score":0.6384817849506031,"channel":0,"num_words":11,"start":2523.993,"end":2526.733},{"sentences":[{"text":"Okay.","start":2526.99,"end":2527.49,"sentiment":"neutral","sentiment_score":0.2803356647491455},{"text":"Bye.","start":2527.63,"end":2528.13,"sentiment":"neutral","sentiment_score":0.32521653175354004}],"sentiment":"neutral","sentiment_score":0.3027760982513428,"channel":1,"num_words":2,"start":2526.99,"end":2528.13},{"sentences":[{"text":"Thank you.","start":2528.313,"end":2528.793,"sentiment":"positive","sentiment_score":0.6388349831104279},{"text":"See you later.","start":2528.793,"end":2529.533,"sentiment":"neutral","sentiment_score":0.30393292754888535}],"sentiment":"positive","sentiment_score":0.43789374977350237,"channel":0,"num_words":5,"start":2528.313,"end":2529.533}]},"summary":{"result":"success","short":"Representatives from Oakview Financial speak with customers about their financial goals for retirement and property ownership. They discuss their income and retirement plans, investments, and retirement goals. They also provide information on their financial plans and advise customers to review their portfolios and update their financial plans to determine the best income for them. The representatives also provide information on their life insurance coverage and advise customers to sign and return documents."},"intents":{"segments":[{"text":"I had you booked in to go through a bit of an annual review today. Is now still a Yes.","start_word":21,"end_word":40,"intents":[{"intent":"Schedule annual review","confidence_score":0.06374643}]},{"text":"My new address Okay. is 2 Catalina Cove, Mainland. I'll I don't just know check if you've if I updated that. I think I told you that last time. I that's can't okay. remember. I'll have a quick look for you. What's the new address address should be?","start_word":123,"end_word":170,"intents":[{"intent":"Check address","confidence_score":0.011540662},{"intent":"Confirm address","confidence_score":0.0649791}]},{"text":"Do you happen to have access to your emails at the moment?","start_word":239,"end_word":250,"intents":[{"intent":"Check email","confidence_score":0.01352205}]},{"text":"Is there anything specific you question wise that you had for us today as well that you wanted me to sort of touch on as part of your annual review? No.","start_word":305,"end_word":335,"intents":[{"intent":"Discuss questions","confidence_score":0.09987779}]},{"text":"How are you going treatment wise?","start_word":704,"end_word":709,"intents":[{"intent":"Request update on treatment status","confidence_score":0.00019022718}]},{"text":"Well, the treatment for the cancer itself is done. Yep.","start_word":711,"end_word":720,"intents":[{"intent":"Confirm treatment progress","confidence_score":0.000017299168}]},{"text":"It's just the complications that I just I just have to keep taking medications and manage pain.","start_word":720,"end_word":736,"intents":[{"intent":"Manage pain","confidence_score":0.84131956},{"intent":"Manage medication","confidence_score":0.1101708}]},{"text":"There should be some relief from that, or is this something that's, you know, gonna be No.","start_word":765,"end_word":781,"intents":[{"intent":"Address concerns","confidence_score":0.004260545}]},{"text":"I'm it's managing it. yeah.","start_word":817,"end_word":821,"intents":[{"intent":"Manage care","confidence_score":0.0023268443}]},{"text":"And do you have a fairly good support system around you for sort Yeah.","start_word":1002,"end_word":1015,"intents":[{"intent":"Provide support system","confidence_score":0.001580389},{"intent":"Provide support","confidence_score":0.2791033}]},{"text":"I'm just sort of making some notes to let you know update your file here. So you're back sort of one day per fortnight at the moment. Is that right?","start_word":1039,"end_word":1068,"intents":[{"intent":"Update file","confidence_score":0.9166658},{"intent":"Update yearly income","confidence_score":0.00012867423},{"intent":"Update yearly income","confidence_score":0.02521701}]},{"text":"I can see contributions are definitely going in. Are you finding that you are managing to sort of put money away or save at the moment, or is everything kinda going towards your expenditure? A small amount.","start_word":1179,"end_word":1215,"intents":[{"intent":"Update contributions","confidence_score":0.02055117}]},{"text":"Are you finding that you are managing to sort of put money away or save at the moment, or is everything kinda going towards your expenditure? A small amount.","start_word":1187,"end_word":1215,"intents":[{"intent":"Determine monthly expenses","confidence_score":0.0031107066}]},{"text":"The other things to sort of touch base on, of income side of things. So how much are you managing to obtain or how much is the income protection claim currently paying you on a monthly basis at the moment? Are you receiving the full benefit, or is it only a partial amount?","start_word":1304,"end_word":1356,"intents":[{"intent":"Check for income protection claim","confidence_score":0.000017820195}]},{"text":"So how much are you managing to obtain or how much is the income protection claim currently paying you on a monthly basis at the moment? Are you receiving the full benefit, or is it only a partial amount?","start_word":1318,"end_word":1356,"intents":[{"intent":"Determine payment amount","confidence_score":0.012212818}]},{"text":"They'll be asking for income statements every or payslips every couple of months to sort of go through and have that updated and readjusted for you, I assume? Mhmm.","start_word":1409,"end_word":1437,"intents":[{"intent":"Request income statements","confidence_score":0.1473768}]},{"text":"Looking at your your assets and liabilities here, we had your main primary residence noted down. Ref valuation last year was about 1,100,000. What sort of value would you put on that property now, do you think?","start_word":1441,"end_word":1477,"intents":[{"intent":"Confirm value of property","confidence_score":0.0022521284}]},{"text":"the new house, what's the value would you put on that one? About 2?","start_word":1516,"end_word":1529,"intents":[{"intent":"Inquire about vehicle value","confidence_score":0.10356866}]},{"text":"What would be your percentage of ownership do you Maybe a quarter. think?","start_word":1567,"end_word":1579,"intents":[{"intent":"Provide ownership percentage","confidence_score":0.00033876763}]},{"text":"We also had down here your vehicles. Now you did have a Mazda six. Do you still have that vehicle?","start_word":1620,"end_word":1639,"intents":[{"intent":"Determine vehicle ownership","confidence_score":0.000072611685}]},{"text":"One of your goals I had here last year was that you were trying to sell your house and move in with your partner. So the newer property that you're living in, is that with your partner? Yeah.","start_word":1868,"end_word":1905,"intents":[{"intent":"Evaluate super-retire goals","confidence_score":0.0005927327}]},{"text":"You were asking targeting for a thousand dollars a week to spend after retirement based on the super. Yes.","start_word":2136,"end_word":2154,"intents":[{"intent":"Track financial goals and achieve goals","confidence_score":0.000042287254}]},{"text":"back and review your portfolio, update the advice, look at what you're spending, and see what you're on track for? When Yep.","start_word":2220,"end_word":2241,"intents":[{"intent":"Review portfolio and financial planning","confidence_score":0.006998645}]},{"text":"So, normally, we'd be sort of trying to track to make super last roughly around about to a life expectancy or into our nineties depending on sort of what we're hoping to achieve with regard to it. Mhmm.","start_word":2340,"end_word":2377,"intents":[{"intent":"Track super super longevity and super longevity","confidence_score":0.0017001443}]},{"text":"So So the what's investment changed? can so the investment committee noticed that one of the investments in your portfolio have been underperforming there. So you'd originally had the Better Long Australian Equities investments. That recorded advice was sent out to say that we'd notify or we'd been, you know, reviewed that investment. It had been underperforming, and we wanted to remove that from your portfolio.","start_word":2446,"end_word":2511,"intents":[{"intent":"Update investment performance","confidence_score":0.013882338}]},{"text":"With you saving, the kind of reason I ask about, looking at, your expendable income and what you're saving is are you open to or are you in a position to maybe look at making additional contributions into super if that's gonna provide benefit and give your super longevity, allowing you to draw that thousand dollars per week for longer.","start_word":2772,"end_word":2831,"intents":[{"intent":"Explore savings options","confidence_score":0.0007243175}]},{"text":"So what I'll go through is I'll go back and have a look at the investments, have a look at the way your super is structured, look at what your, you know, the fees are for your investments, look at the overall projected outcome based on your current super and investment structure.","start_word":2903,"end_word":2954,"intents":[{"intent":"Discuss investments","confidence_score":0.060114224}]},{"text":"I can review that with some other investment swaps and changes to make sure that you're in a portfolio that is as lower cost as possible, that you're getting the best possible returns based on past performance, and look at projecting that out to the age of 60 for you to kinda give you a limited overview of what we're expecting based on your current scenario and the changes to sort of see whether we update the advice and make some changes.","start_word":2955,"end_word":3036,"intents":[{"intent":"Review investments","confidence_score":0.74851537},{"intent":"Review investments","confidence_score":0.43072587},{"intent":"Review investments","confidence_score":0.23933299},{"intent":"Review portfolio","confidence_score":0.3101855},{"intent":"Review investments","confidence_score":0.1452854}]},{"text":"takes about four weeks for me to complete the research properly to Four weeks.","start_word":3081,"end_word":3094,"intents":[{"intent":"Complet research","confidence_score":0.00017210875}]},{"text":"So I can rebook you in for another four weeks if you're comfortable to do so, or if you prefer, my team can just let you know when the advice is ready. Do are you comfortable with me just making a time in four weeks, or what does your schedule look like? Yes.","start_word":3102,"end_word":3154,"intents":[{"intent":"Schedule call","confidence_score":0.06479263}]},{"text":"Before we end the call today, I'll make sure I go back and book that appointment for you, and we'll go back and just review everything.","start_word":3168,"end_word":3193,"intents":[{"intent":"Book appointment","confidence_score":0.05625867}]},{"text":"Because this portfolio is much older, and while we have made that one change to the Australian equities, there might be other changes that we can make. It's important It's important to continuously update the portfolio as time goes on and make changes to your circumstances affect your super, especially with, you know, reduction in contributions and things like that.","start_word":3194,"end_word":3253,"intents":[{"intent":"Update portfolio","confidence_score":0.7523265}]},{"text":"And I can also add, like, a limited scoping to show you what the retirement projection looks like at the age of 60 for you based on the recommendations we're making to sort of show you where we're tracking for where we're heading. Does that sound okay?","start_word":3263,"end_word":3309,"intents":[{"intent":"Provide recommendations","confidence_score":0.023585951},{"intent":"Provide information about retirement projection","confidence_score":0.0014297441},{"intent":"Provide information about retirement projection","confidence_score":0.012280583}]},{"text":"When we look at the overall performance, markets have been a little bit up and down this year with everything that's been going on globally. The net after after fees performance you've received in your super is 4.65%. So at the moment, you are in that growth kind of environment, which generally sees about 80% in those higher risk investments like international and Australian shares, listed property and commodities.","start_word":3437,"end_word":3505,"intents":[{"intent":"Discuss market performance","confidence_score":0.03875362},{"intent":"Discuss investment performance","confidence_score":0.0038264233}]},{"text":"This sort of portfolio, we are looking to track and try and obtain about a seven to 9% on an annual basis.","start_word":3507,"end_word":3528,"intents":[{"intent":"Track portfolio","confidence_score":0.83240056}]},{"text":"So, it's understandable with everything that's been going on globally and with the ups and downs the market has seen that the performance is a little bit lower. But I am happy to see that you've got a positive result after the last twelve months there as well. And it does mean your super has continued to grow even with what's been happening in the markets as well. Okay.","start_word":3592,"end_word":3660,"intents":[{"intent":"Understand markets","confidence_score":0.1379941}]},{"text":"I also just wanted to touch on the estate planning side of things.","start_word":3751,"end_word":3763,"intents":[{"intent":"Discuss estate planning","confidence_score":0.012245467}]},{"text":"in setting up of a will?","start_word":3897,"end_word":3902,"intents":[{"intent":"Set up a will","confidence_score":0.35184065}]},{"text":"I don't specifically email in relation to the like, recommending a certain So solicitor in your area, but I can give you some general overview of one that we have access to, obviously, in Queensland here that gives you just not so much their details, but more of a costing of how much they Charge.","start_word":3924,"end_word":3978,"intents":[{"intent":"Provide information and cost on solicitors","confidence_score":2.52645e-7}]},{"text":"I just am very cautious about recommending, certain solicitors because I don't know what they're like. And this is obviously a state planning, so it's your will power of attorneys.","start_word":4069,"end_word":4098,"intents":[{"intent":"Assess the impact of state planning","confidence_score":0.000017363427}]},{"text":"And just confirming, Victor and Vivian, what relationship are they to you?","start_word":4241,"end_word":4252,"intents":[{"intent":"Determine the relationship to victor and vivian","confidence_score":0.000084296626}]},{"text":"And with your life insurance there as well, you would like that to be exactly the same way, a 50% paid to each of your children in the event of passing. Yeah.","start_word":4269,"end_word":4300,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.28581586}]},{"text":"With the taxation, I do have to explain it is the highest amount. So it the tax is up to 22%.","start_word":4862,"end_word":4882,"intents":[{"intent":"Explain tax deductions","confidence_score":0.087750405}]},{"text":"So the taxation could be a little bit less, but it just comes down to, you know, essentially your age and stage and how much you're claiming and when you are claiming. If you were to be over the age of 60 in claiming TPD, then there's no taxation on that. That is fully tax free. Okay.","start_word":4967,"end_word":5023,"intents":[{"intent":"Clarify taxation","confidence_score":0.12726001}]},{"text":"I will go out there, look at, obviously, what is available to you, look at the costing of that, how we structure it, and update the recommendations to try and reflect. If we were to go out there and find that we weren't able to increase or weren't able to get anything different, that is a conversation we would have to come back and have.","start_word":5396,"end_word":5460,"intents":[{"intent":"Recommending future communication","confidence_score":0.00019766876}]},{"text":"If we were to go out there and find that we weren't able to increase or weren't able to get anything different, that is a conversation we would have to come back and have.","start_word":5427,"end_word":5460,"intents":[{"intent":"Considering potential changes to insurances","confidence_score":0.00001200306}]},{"text":"It's a lot of information. Let me know if any questions do happen to come up, Catherine.","start_word":5492,"end_word":5508,"intents":[{"intent":"Requesting information on tpd policy","confidence_score":0.0000012914476}]},{"text":"But the certificate of the currency shows the expected out of pocket cost is $261.57 per month.","start_word":5575,"end_word":5591,"intents":[{"intent":"Discussing cost of tpd","confidence_score":0.012572907}]},{"text":"Have you had a look at your bank statements and how much the insurer is deducting on a monthly basis out of pocket for your insurances? Sorry.","start_word":5623,"end_word":5649,"intents":[{"intent":"Discussing current insurance coverage","confidence_score":0.0396348},{"intent":"Expressing confusion about bank statements","confidence_score":0.0061332425}]},{"text":"What what do you mean? I don't understand.","start_word":5650,"end_word":5657,"intents":[{"intent":"Suggesting an explanation","confidence_score":0.00007557435}]},{"text":"Do you know how much, nearest are deducting from your bank account on a monthly basis for your current insurance policies out of pocket? Oh, yeah.","start_word":5659,"end_word":5684,"intents":[{"intent":"Understand insurance cost","confidence_score":0.00014949983},{"intent":"Provide information","confidence_score":0.0031884739}]},{"text":"And if you find at any point that that changes or something comes up and you, you know, need a different time, just feel free to let me know, and we can reschedule it to a more suitable time for you. But at the moment, Okay.","start_word":6145,"end_word":6190,"intents":[{"intent":"Reschedule appointment","confidence_score":0.28723338}]},{"text":"He looked at the fees last time, and he made an Mhmm. adjustment. Has it gone up Mhmm. since?","start_word":6700,"end_word":6718,"intents":[{"intent":"Adjust fees","confidence_score":0.84330636},{"intent":"Adjust fee","confidence_score":0.03253078}]},{"text":"I can seek approval to see if they're willing to see if our head of advice is willing to adjust the fees for that for the year for you if you like.","start_word":6792,"end_word":6823,"intents":[{"intent":"Seek approval","confidence_score":0.09125058}]},{"text":"I can seek approval to see if they're willing to see if our head of advice is willing to adjust the fees for that for the year for you if you like. But as your balance increases, there's a lot more work around it, and updating the advice on a regular basis does mean that we do have to charge your ongoing service fee.","start_word":6792,"end_word":6855,"intents":[{"intent":"Update advice","confidence_score":0.054988235}]},{"text":"If they agree to that, then a new ongoing service agreement will be sent out to you to sign and return back. If they don't, I'll come back and let you know. I would have to ask the question and seek approval from a head of advice in relation to that for you. Excellent.","start_word":6927,"end_word":6980,"intents":[{"intent":"Sign service agreement","confidence_score":0.009491228}]},{"text":"I'll do a little recap email for you shortly so you've got all the information I've gone through and some estate planning details there. And if you find you have questions, let me know. Okay?","start_word":7074,"end_word":7108,"intents":[{"intent":"Customer service","confidence_score":0.0014188762}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Catherine. This is Zaina from Oakview Financial. How are you this morning? Hi.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.14947645366191864},{"text":"Good. Thank you. That's good.","start_word":16,"end_word":20,"sentiment":"positive","sentiment_score":0.6183686852455139},{"text":"I had you booked in to go through a bit of an annual review today. Is now still a Yes. good time That's fine. there for you?","start_word":21,"end_word":47,"sentiment":"neutral","sentiment_score":0.18662647902965543},{"text":"Oh, fantastic.","start_word":48,"end_word":49,"sentiment":"positive","sentiment_score":0.4178787469863891},{"text":"Catherine, before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us That's to fine. proceed with that?","start_word":50,"end_word":82,"sentiment":"neutral","sentiment_score":0.1759934276342392},{"text":"Fantastic.","start_word":83,"end_word":83,"sentiment":"positive","sentiment_score":0.44808536767959595},{"text":"And just to do security there with you as well, I'll just get you to confirm your full name, your date of birth, and address I should have on file. Catherine Queen. 09/14/1978. I Yep. have recently moved out. My new address Okay. is 2 Catalina Cove, Mainland. I'll I don't just know check if you've if I updated that. I think I told you that last time. I that's can't okay. remember. I'll have a quick look for you. What's the new address address should be? 2 Catalina Cove, Mainland. No. I don't have that one updated here, but that's okay. I can update Okay. that for you. That's alright. What's your old address I should have on file? 28 Debris Place Bull Creek. Beautiful.","start_word":84,"end_word":209,"sentiment":"neutral","sentiment_score":0.025474730879068375},{"text":"Thank you so much for that. Fantastic.","start_word":210,"end_word":216,"sentiment":"positive","sentiment_score":0.47211354970932007},{"text":"Catherine, I have sent you through some annual review docs to sort of have a chat about when we're going through this. Do you happen to have access to your emails at the moment? If you don't, that's honestly okay. It's on my phone, but I'm using it to talk to you. That's fine. If you can't do it, not a problem. Just have a look at them later on. In the meantime, I can go through, obviously, give you a bit of an update on your sofa. Is there anything specific you question wise that you had for us today as well that you wanted me to sort of touch on as part of your annual review? No. No. That's okay. Yeah. Actually, Yeah. with regards to my cover for my illness, Mhmm. because I've already I'm already making the income protection claim for my breast cancer. Yes. What happens if I get the cancer again I later can on? oh, yeah. It does depend on the policy. If you like, what I can do is I can go back and double check what the rules are in relation to the policy, in relation to it coming back or, you know, a the condition, you know, if the breast Yeah. cancer coming back and having a secondary claim on that one for you. It just the every policy is completely different, so I'll go back and I'll have a look at the product disclosure statement. I can also check with the claims team on what the the rules are in relation to that policy. If you're comfortable, I can send you an email after the call just following that one up for you. Is that okay? Yes, please. Yeah.","start_word":217,"end_word":506,"sentiment":"neutral","sentiment_score":0.012198460705835244},{"text":"Fantastic. It's a really good question. Something to certainly look at.","start_word":507,"end_word":517,"sentiment":"positive","sentiment_score":0.5758150815963745},{"text":"I also just wanted to touch base to see how everything was going because last year, when we touched base, you were still on the income protection claim and still sort of going through everything. How is everything for you this year? How have you been going recently? Similar. I'm still Yep. on the Yep. claim. Yep. So going going back to work, but only, like, at minimal capacity because Yes. I used to work a lot more, but now I've reduced that. It's just too much. Yeah. Of course. So I can definitely yeah. see those contributions going into your super now. So it does look like you are back at work a little bit. Last year when we caught up, you were hoping to sort of go back about two days per week. Are you still managing that, or is it not quite is it different every week? No. It's Wednesday before tonight. Once every fortnight. I'm so sorry that you're back. It's good that you're getting back there a little bit, Yeah.","start_word":518,"end_word":692,"sentiment":"neutral","sentiment_score":0.007897728122770786},{"text":"but I'm very sorry that it is minimal at the moment.","start_word":693,"end_word":703,"sentiment":"negative","sentiment_score":-0.3492458462715149},{"text":"How are you going treatment wise? Well, the treatment for the cancer itself is done. Yep. It's just the complications that I just I just have to keep taking medications and manage pain. Oh, I'm so sorry. Are they are Yeah. they That's alright. are they sort of saying that that should get a little bit easier as time goes on? There should be some relief from that, or is this something that's, you know, gonna be No. ongoing for you? Oh, I'm I sorry. think it's just ongoing. They Yeah. I don't think any doctor would say, oh, you're gonna get a 100% better.","start_word":704,"end_word":808,"sentiment":"neutral","sentiment_score":-0.05531252611960683},{"text":"No. That's a shame.","start_word":809,"end_word":812,"sentiment":"negative","sentiment_score":-0.4611378312110901},{"text":"Oh, Yeah. It's alright. I'm it's managing it. yeah. Oh, I mean, it's it's enough that you've gone through what you've gone through, but then to have, you know, ongoing management and ongoing pain and to have this experience, you know, ongoing for you must be really tough.","start_word":813,"end_word":860,"sentiment":"neutral","sentiment_score":-0.1149732917547226},{"text":"So I'm very sorry that you're going through this.","start_word":861,"end_word":869,"sentiment":"negative","sentiment_score":-0.44285696744918823},{"text":"That's alright. Are you hoping or trying to sort of get back to work a little bit more down the track, or do you think this is, you know, what you'll be doing ongoing for the foreseeable future? I think this is this is a comfortable pace Okay. for me Yep. right now. Yeah. Yeah. Okay.","start_word":870,"end_word":925,"sentiment":"neutral","sentiment_score":-0.00776414480060339},{"text":"Beautiful.","start_word":926,"end_word":926,"sentiment":"positive","sentiment_score":0.40764832496643066},{"text":"Well, take it as it comes, and, hopefully, you get a bit of downtime and a bit of rest. I know you do also have two kids there as well. How's that it must be really tough. You you have two small children to, you know, help out with, They're but not how's that little. everything? They're not that little, so they're a bit better. They're more adult Oh, that's now.","start_word":927,"end_word":997,"sentiment":"neutral","sentiment_score":-0.0041423458606004715},{"text":"that's good. That's good.","start_word":998,"end_word":1001,"sentiment":"positive","sentiment_score":0.40325623750686646},{"text":"And do you have a fairly good support system around you for sort Yeah. of going through it and help with childcare? Oh, that is Yep. good.","start_word":1002,"end_word":1028,"sentiment":"neutral","sentiment_score":0.12165072560310364},{"text":"Oh, that is really good. Fantastic. Well, I'm glad.","start_word":1029,"end_word":1037,"sentiment":"positive","sentiment_score":0.5190961956977844},{"text":"I'm just sort of making some notes to let you know update your file here. So you're back sort of one day per fortnight at the moment. Is that right? Yep. Yeah.","start_word":1038,"end_word":1069,"sentiment":"neutral","sentiment_score":0.09278718382120132},{"text":"That's okay.","start_word":1070,"end_word":1071,"sentiment":"positive","sentiment_score":0.35546573996543884},{"text":"And averaging income wise, what are you expecting to sort of be able to earn this year, do you think? Just from employment. Sorry. I think If you're not the last financial sure, year was, like, that's '12 okay. thousand Okay. ending June, I think. Yep. Can't remember. Then you that's okay. And then the claim proceeds on top of that to top you up. Yeah. Yep. Yeah.","start_word":1072,"end_word":1139,"sentiment":"neutral","sentiment_score":0.05741250142455101},{"text":"Beautiful.","start_word":1140,"end_word":1140,"sentiment":"positive","sentiment_score":0.5557363629341125},{"text":"Are you getting anything from Centrelink, like, in the way, a family tax benefit No. or parenting payment or anything to kinda help supplement any of that? Nope. Okay. No. Okay. Just update those for you.","start_word":1141,"end_word":1176,"sentiment":"neutral","sentiment_score":0.04690447822213173},{"text":"And excellent. I can see contributions are definitely going in.","start_word":1177,"end_word":1186,"sentiment":"positive","sentiment_score":0.5432156920433044},{"text":"Are you finding that you are managing to sort of put money away or save at the moment, or is everything kinda going towards your expenditure? A small amount. I try to Yep. keep away a small amount. Yep. If you had to quantify Yep. that, what do you think you'd sort of say you're putting away? I think about 50 to 100 a month or something. Okay.","start_word":1187,"end_word":1254,"sentiment":"neutral","sentiment_score":0.03505334258079529},{"text":"That's really good. Yeah. Starting off small can make a big difference. So they've having those small habits put into place, and then as the financial system, you know, situation gets a little bit better, you'd be able to sort of increase that hopefully down the track. Yeah. Excellent.","start_word":1255,"end_word":1303,"sentiment":"positive","sentiment_score":0.3932168185710907},{"text":"The other things to sort of touch base on, of income side of things. So how much are you managing to obtain or how much is the income protection claim currently paying you on a monthly basis at the moment? Are you receiving the full benefit, or is it only a partial amount? Well, because I'm working, it's only a partial. Yep. So, Did like, you know they readjusted it. yep. That's okay. How much are they paying you at the moment on a monthly basis? Mhmm. Depending on how much I work. Maybe, like, 1,700. $7,800 per month. Yeah. Yes. No. That's okay. Yeah. They'll be asking for income statements every or payslips every couple of months to sort of go through and have that updated and readjusted for you, I assume? Mhmm. Yep.","start_word":1304,"end_word":1438,"sentiment":"neutral","sentiment_score":0.03794720232210778},{"text":"All good.","start_word":1439,"end_word":1440,"sentiment":"positive","sentiment_score":0.349348783493042},{"text":"Looking at your your assets and liabilities here, we had your main primary residence noted down. Ref valuation last year was about 1,100,000. What sort of value would you put on that property now, do you think? Well, I've moved house. Right. That's You're talking about You the have. new house now, aren't you? You do sell the old property and buy a new house. Is that Yeah. what's happened? Yep. Okay. So with Yep. the new house, what's the value would you put on that one? About 2? 2 Two million? Yep. million? Yeah. But it's not Lovely. all mine, though. No. That's okay. That's absolutely fine. What is the In percentage fact, I of ownership own a very here, small though? portion of it. What would be your percentage of ownership do you Maybe a quarter. think? A quarter? Yep. Ownership.","start_word":1441,"end_word":1583,"sentiment":"neutral","sentiment_score":-0.01267954520881176},{"text":"Excellent. Thank you for that.","start_word":1584,"end_word":1588,"sentiment":"positive","sentiment_score":0.4368187189102173},{"text":"And mortgage on the property or mortgage that you're liable for, how much is owing on the property, if anything? Nothing owed on the property? It's Yep. yep. Okay. Beautiful. Beautiful. We also had down here your vehicles. Now you did have a Mazda six. Do you still have that vehicle? SutMaster c x five. Yes. Correct. Yep. Beautiful. And we have that valued at about 15,000 last year. Oh, it's Do probably you less now. yeah. What the value would you put on it? I reckon about 12. About 12,000? Yeah. Excellent. That's okay. And then we also had here there was another vehicle, a Mazda three two three. Do you still have that one Yeah. as well? Mhmm. Yeah. Not worth And much, that one. no. That's okay. We had about 4,000 last year. What sort of value would you put on it now? Yeah. Maybe 3,000. About 3,000. Yep.","start_word":1589,"end_word":1740,"sentiment":"neutral","sentiment_score":0.029139297291342365},{"text":"Fantastic.","start_word":1741,"end_word":1741,"sentiment":"positive","sentiment_score":0.6279858350753784},{"text":"Both those vehicles are owned fully debt free there as well. Mhmm. And we had a credit card down here with a limit of 6,000. Do you still have that credit card? Same. Yep. Yep. And the limit hasn't changed. That's the same limit? No. Fantastic. And then I've also got your contents. Our rough valuation of total contents about 25,000. Would you keep that about the same or increase Yeah. or decrease? Yep. That's okay. Yep.","start_word":1742,"end_word":1818,"sentiment":"neutral","sentiment_score":0.07282891124486923},{"text":"Thank you for updating those.","start_word":1819,"end_word":1823,"sentiment":"positive","sentiment_score":0.3763924837112427},{"text":"Is there any other new assets or liabilities or anything else of value you wanna note down that you've probably had updated or changed in the last twelve months? No. Nope. That's I okay. don't think Thank so. you for that. No. All good. One of your goals I had here last year was that you were trying to sell your house and move in with your partner. So the newer property that you're living in, is that with your partner? Yeah. Yep. Beautiful. I'll just remove that one. That goal is completed. With regard to your super, we were looking at a goal of trying to access super and fully retire around about the age of 60. I know with your health, there's a lot of unknowns at the moment, but down the track, are we still with regard to super tracking for that goal? Is that what you're after super wise at the moment? That's the minimum age, isn't it? 60. It is. Yeah. Unfortunately, Yeah. be good if they'd make it lower. Yeah. Yeah. It'll Yep. That's be it'll be the same. yep. That's okay. And we have down here that you're we're hoping to sort of live on income of about $1,000 a week from your super. Is that still your goal for your super side of things income wise? Yeah. I think so.","start_word":1824,"end_word":2051,"sentiment":"neutral","sentiment_score":0.0212708631726472},{"text":"Yep. That's okay. Just so I can sort of project forward and track things out when we update advice for you. Absolutely fine. I also had down here everything else looks like it's pretty well covered. It was more just the other goals around, yeah, sustainability around your health. So making sure that you can focus on financial stability whilst being on an income protection claim.","start_word":2052,"end_word":2117,"sentiment":"positive","sentiment_score":0.47685104608535767},{"text":"We So talked about last year re yes. Sorry. You go. I just had a thought. Yeah. Sure. You were asking targeting for a thousand dollars a week to spend after retirement based on the super. Yes. Is that on track? At the moment, I would have to go back and do a little bit of an update. At the moment, based on your current age, it looks like we might be you can realistically draw that income, but it won't last as long as what you'd expect it to be. I can I would like If to you maybe go yeah. back and review your portfolio, update the advice, look at what you're spending, and see what you're on track for? When Yep. you kind of look at retirement, realistically, the income that you need to live on is the income that you need to live on. So when you get to 60 and start working and need to draw income, if you need to live on a thousand dollars a week, that's what you can draw out regardless of what your balance is. It's just a matter of depending on how you're invested, the rate of return that your super is obtaining, and how much you're drawing out as to whether you get longevity or how long your super lasts. So, normally, we'd be sort of trying to track to make super last roughly around about to a life expectancy or into our nineties depending on sort of what we're hoping to achieve with regard to it. Mhmm. But I do wanna sort of have a look at your super look at the investments there. I know a few months back in about March, we had sent out a record of advice and made an update to your super fund. Do you remember receiving that email? What was the email about? Like, what did it say? It was a change of investments. I vaguely remember. Yes. So So the what's investment changed? can so the investment committee noticed that one of the investments in your portfolio have been underperforming there. So you'd originally had the Better Long Australian Equities investments. That recorded advice was sent out to say that we'd notify or we'd been, you know, reviewed that investment.","start_word":2118,"end_word":2498,"sentiment":"neutral","sentiment_score":0.023670783779752538},{"text":"It had been underperforming, and we wanted to remove that from your portfolio.","start_word":2499,"end_word":2511,"sentiment":"negative","sentiment_score":-0.43976184725761414},{"text":"So we Alright. actually replaced that with the BetaShares Australia two hundred.","start_word":2512,"end_word":2523,"sentiment":"neutral","sentiment_score":0.12411424517631532},{"text":"It is a lower cost investment. It actually gives you greater diversification to help to lower the risk level of your portfolio, but it also has been performing much greater over the past twelve months.","start_word":2524,"end_word":2558,"sentiment":"positive","sentiment_score":0.4346809983253479},{"text":"So they swapped those two investments out for you or swapped those investments around. Okay. Looking at the performance of your super over the last twelve months, so when we have a look back to last year, your balance is about a 176,990, and your balance now up to a $183,002.69. Okay. When I sort of confirm that against the average balance of someone your age so for someone of your age and a female, the average balance is about 107,000.","start_word":2559,"end_word":2639,"sentiment":"neutral","sentiment_score":0.14879928529262543},{"text":"So your balance is higher than the average person's of your same age and stage, which is good. That's what we want, but we want that to continue growing. So I would like to just go back, reevaluate the investments, maybe see if there's other swaps we need to maybe make there to make there to keep you on track, look at what we're projecting forward for.","start_word":2640,"end_word":2706,"sentiment":"positive","sentiment_score":0.35982587933540344},{"text":"Because having a look at things, so you're as of September this year, you're about 48. Is that right? Yeah. Yeah. So I would like to go back to have a bit of a look at what we're tracking for.","start_word":2707,"end_word":2746,"sentiment":"neutral","sentiment_score":0.09314484149217606},{"text":"I know with you not working as much as much as you were, obviously, your contributions are gonna be lower going into the fund.","start_word":2747,"end_word":2770,"sentiment":"negative","sentiment_score":-0.4320622980594635},{"text":"With you saving, the kind of reason I ask about, looking at, your expendable income and what you're saving is are you open to or are you in a position to maybe look at making additional contributions into super if that's gonna provide benefit and give your super longevity, allowing you to draw that thousand dollars per week for longer. Is that something you're open to at the moment, or are you not really in a position to do that currently? How do you feel about it? Yes. I I might be able to. Yeah. Yeah. What would be your comfort level? Is there an amount you'd be comfortable starting with and then kind of building on that over time? Maybe, like, $50 a month? Or 50 per month? Yeah. Yeah.","start_word":2771,"end_word":2901,"sentiment":"neutral","sentiment_score":0.1583806723356247},{"text":"Absolutely.","start_word":2902,"end_word":2902,"sentiment":"positive","sentiment_score":0.33978772163391113},{"text":"So what I'll go through is I'll go back and have a look at the investments, have a look at the way your super is structured, look at what your, you know, the fees are for your investments, look at the overall projected outcome based on your current super and investment structure. I can review that with some other investment swaps and changes to make sure that you're in a portfolio that is as lower cost as possible, that you're getting the best possible returns based on past performance, and look at projecting that out to the age of 60 for you to kinda give you a limited overview of what we're expecting based on your current scenario and the changes to sort of see whether we update the advice and make some changes. Does that sound okay to you, Catherine? Yeah. Mhmm. Yeah. That sounds good. Yep. So does that mean Beautiful. we'll need another phone call? And Yeah. I don't know. How long does it take for you to do that? A week or Takes so? takes about four weeks for me to complete the research properly to Four weeks. make sure I'm Okay. looking at everything. So I can rebook you in for another four weeks if you're comfortable to do so, or if you prefer, my team can just let you know when the advice is ready. Do are you comfortable with me just making a time in four weeks, or what does your schedule look like? Yes.","start_word":2903,"end_word":3154,"sentiment":"neutral","sentiment_score":0.15472522377967834},{"text":"That's fine.","start_word":3155,"end_word":3156,"sentiment":"positive","sentiment_score":0.3727196455001831},{"text":"Yep. Yep.","start_word":3157,"end_word":3158,"sentiment":"neutral","sentiment_score":0.20059233903884888},{"text":"We can take Beautiful. your time. Yep. Beautiful. Excellent.","start_word":3159,"end_word":3167,"sentiment":"positive","sentiment_score":0.5468405485153198},{"text":"Before we end the call today, I'll make sure I go back and book that appointment for you, and we'll go back and just review everything. Because this portfolio is much older, and while we have made that one change to the Australian equities, there might be other changes that we can make. It's important It's important to continuously update the portfolio as time goes on and make changes to your circumstances affect your super, especially with, you know, reduction in contributions and things like that. So it is really important to keep updating things. And I can also add, like, a limited scoping to show you what the retirement projection looks like at the age of 60 for you based on the recommendations we're making to sort of show you where we're tracking for where we're heading. Does that sound okay? Mhmm. Yeah. That that would be Yep. good. Do you have any questions about that? You're welcome to ask me to break something something down or if you had further questions there, Catherine. I I think I probably would have questions, but if I like, maybe in the next call, once you've done your Yeah. research, When you can see them. I Yeah. when I can see the data, the numbers, and, you know, the graphs or I don't know if you will do any graphs kinda, like, you know, project out how much you would have left by this age, Yep. blah blah blah, that kind Yes. of stuff. I'll probably have more relevant questions then.","start_word":3168,"end_word":3426,"sentiment":"neutral","sentiment_score":0.06574547290802002},{"text":"That's absolutely fine. It's not a problem at all. Excellent.","start_word":3427,"end_word":3436,"sentiment":"positive","sentiment_score":0.36534228920936584},{"text":"When we look at the overall performance, markets have been a little bit up and down this year with everything that's been going on globally. The net after after fees performance you've received in your super is 4.65%. So at the moment, you are in that growth kind of environment, which generally sees about 80% in those higher risk investments like international and Australian shares, listed property and commodities. This sort of portfolio, we are looking to track and try and obtain about a seven to 9% on an annual basis. So this year with the ups and downs the market has seen, the performance is a little bit lower. It is underperforming based on what we would sort of like to see out of the portfolio, but it's also an understanding and expectation that markets do react differently, that we do have years of really great performances and years of not so good performances. So, it's understandable with everything that's been going on globally and with the ups and downs the market has seen that the performance is a little bit lower.","start_word":3437,"end_word":3619,"sentiment":"neutral","sentiment_score":-0.06421097792440751},{"text":"But I am happy to see that you've got a positive result after the last twelve months there as well. And it does mean your super has continued to grow even with what's been happening in the markets as well.","start_word":3620,"end_word":3659,"sentiment":"positive","sentiment_score":0.589086651802063},{"text":"Okay. Okay.","start_word":3660,"end_word":3661,"sentiment":"neutral","sentiment_score":0.1851691901683807},{"text":"Excellent.","start_word":3662,"end_word":3662,"sentiment":"positive","sentiment_score":0.3547239601612091},{"text":"In the email, when you are able to look at that, you do have a copy of all these documents. So I know it's a lot of numbers to go through and a lot for me to sort of put out there. When you do sort of look at the email, if you have additional questions, you can reply back or let us know, and we can answer those for you. But we have got a copy of all those documents attached for you. Okay? Alright. Good.","start_word":3663,"end_word":3749,"sentiment":"neutral","sentiment_score":0.1157681867480278},{"text":"Excellent.","start_word":3750,"end_word":3750,"sentiment":"positive","sentiment_score":0.3990499973297119},{"text":"I also just wanted to touch on the estate planning side of things. So last year when we caught up, you had sorry. There was you didn't have a will or power of attorney in place. It was on the list of things to get sorted. I know you've had a lot to deal with and to do. Have you had more of a conversation around speaking to a solicitor, having a will and power of attorney No. set up, or anything like that? No. That's okay. No. I haven't. It's all okay. We do have options where we can refer you to a solicitor for the drawing up of a will. Did you want me to maybe send you a little bit of a general information email around different ways to access a solicitor, some, you know, Yeah. That costs would be involved good, actually. in setting up of a will? Yep.","start_word":3751,"end_word":3903,"sentiment":"neutral","sentiment_score":0.013706271720782311},{"text":"Beautiful.","start_word":3904,"end_word":3904,"sentiment":"positive","sentiment_score":0.579771876335144},{"text":"Yep. Anyone I can local do that.","start_word":3905,"end_word":3911,"sentiment":"neutral","sentiment_score":0.2975861132144928},{"text":"would be good too.","start_word":3912,"end_word":3915,"sentiment":"positive","sentiment_score":0.4212020933628082},{"text":"I'm in I'm in Perth. Yep. That's okay. I don't specifically email in relation to the like, recommending a certain So solicitor in your area, but I can give you some general overview of one that we have access to, obviously, in Queensland here that gives you just not so much their details, but more of a costing of how much they Charge. charge to draft up a will and power of attorney to give you a bit of an idea. But all of the local all of the states do have access to, like, state trustees who can put you in touch with a solicitor either in your area or within your state. And I can show you or write down this, you know, how to access that, the general costing around that sort of service and what that looks like for you. Is that okay? Yeah. That'll be fine. Yep. Beautiful. I just am very cautious about recommending, certain solicitors because I don't know what they're like. And this is obviously a state planning, so it's your will power of attorneys. They're very sensitive conversations to have. So I don't wanna sort of send you to a local solicitor if they're not correct for you. But I do know that all of the the states do have, like, a a state trustee, and they can put you in touch with a solicitor in your area, or they are just a government service that do wills and power of attorneys very easily, either either on the phone, via Teams, or in person.","start_word":3916,"end_word":4178,"sentiment":"neutral","sentiment_score":0.07123681157827377},{"text":"And they're much more of a cost effective way to have a very simple will and power of attorney set up for you as well if that's easier.","start_word":4179,"end_word":4206,"sentiment":"positive","sentiment_score":0.33752840757369995},{"text":"Okay. Okay. Yep.","start_word":4207,"end_word":4209,"sentiment":"neutral","sentiment_score":0.1749579757452011},{"text":"Beautiful.","start_word":4210,"end_word":4210,"sentiment":"positive","sentiment_score":0.4840930104255676},{"text":"With regard to your super, just double checking the beneficiaries. Now I have 50% each to Victor and Vivian. Yep. Is that how you want those structured? Yep. Yep.","start_word":4211,"end_word":4239,"sentiment":"neutral","sentiment_score":0.1921911984682083},{"text":"Beautiful.","start_word":4240,"end_word":4240,"sentiment":"positive","sentiment_score":0.4150660634040833},{"text":"And just confirming, Victor and Vivian, what relationship are they to you? And my son Okay.","start_word":4241,"end_word":4256,"sentiment":"neutral","sentiment_score":0.2042405605316162},{"text":"Beautiful. So 50% to each of your children.","start_word":4257,"end_word":4264,"sentiment":"positive","sentiment_score":0.47238650918006897},{"text":"and daughter.","start_word":4265,"end_word":4266,"sentiment":"neutral","sentiment_score":0.2772442400455475},{"text":"Lovely. Fantastic.","start_word":4267,"end_word":4268,"sentiment":"positive","sentiment_score":0.7365233898162842},{"text":"And with your life insurance there as well, you would like that to be exactly the same way, a 50% paid to each of your children in the event of passing. Yeah. Yep.","start_word":4269,"end_word":4301,"sentiment":"neutral","sentiment_score":0.21385709941387177},{"text":"Lovely.","start_word":4302,"end_word":4302,"sentiment":"positive","sentiment_score":0.4315640926361084},{"text":"With the insurances you have at the moment, so you've got your life and TBD paid for at from your super funds. The current sum insured for your life cover is showing 699,116. With the life insurance, if you were to have, say, passed away today, your life insurance cover is paid out at the sum insured of 699,116, but then your super benefit is also paid out on top of that. So it does essentially provide a benefit amount of just adding these together for you really quickly. $2.06 9. Out of that, 882,269. Do you feel like that's an appropriate level of cover? So the super was about 700,000. And then Yep. what was the other one? A The 100 life? and 83,000 for your super benefit. 183. No. Super was 700, you said. Right? Yeah. No. So your life your life Oh, cover's the 699,000, a life and your cover. Okay. suit yeah. Your super benefit's $1.83. Sorry. I think that's enough. Yes. That's okay. What would you sort of want to have paid out? What would you how would you want that money distributed? Is it just distributed 50% to each of your children for them to sort Yeah. of, you know, yep, be covered and looked after and put through school and everything? Yep. Yep. Yep.","start_word":4303,"end_word":4523,"sentiment":"neutral","sentiment_score":0.05273409187793732},{"text":"Beautiful. Excellent.","start_word":4524,"end_word":4525,"sentiment":"positive","sentiment_score":0.4188154339790344},{"text":"With the total permanent disability side of things, you have the same level of cover. So the 699,116 that you're insured for. And, again, if you were TV'd or never able to go back to work again, then we can also claim against your super and have that released under permanent incapacity. So it does give you the same level of cover as a sum insured. I'm not sure if it kind of went through last year or not, but I do like to clarify. If for any reason that because you're under 60, you claimed on that amount and the super benefit and your your PPD insurance was fully paid out to you as a lump sum, that is actually a tax payment, and the tax on that is up to 22%. So just based on this at the moment, so we'll just say $8.83 oh, $8.82. So based on the current sum insured of the TBD plus your super benefit, if that was taxed at 22%, it means that you would lose about a $194,099 to taxation.","start_word":4526,"end_word":4704,"sentiment":"neutral","sentiment_score":-0.09208571640826636},{"text":"Oh my god.","start_word":4705,"end_word":4707,"sentiment":"negative","sentiment_score":-0.4399724900722504},{"text":"Yeah.","start_word":4708,"end_word":4708,"sentiment":"neutral","sentiment_score":-0.2751099467277527},{"text":"It's That's that's, like, if I if I become permanently disabled, I can't work. correct. That is a worst case scenario as well.","start_word":4709,"end_word":4731,"sentiment":"negative","sentiment_score":-0.4911722838878632},{"text":"So, realistically, if you were unable to ever go back to work again and you claimed on TBD, we as advisers would help you with the claim, but then we would also provide advice on how how best to minimize the tax. Obviously, the TBD payout needs to survive and last as long as you do. So it's not so much of a a one or two or three year payment. It's about keeping that money lasting through your retirement as long as possible as well. So we would also provide financial advice on how best to structure the funds, how to draw the funds down so you could live and cover your expenditure as well as keeping it invested for as long as possible as well. Okay? Okay. Yeah. With the taxation, I do have to explain it is the highest amount. So it the tax is up to 22%. It's just something that not not a lot of people know, and previously, I've had clients come in saying they've claimed TCD, and they, you know, they lost a good one or two hundred thousand dollars on the payment, and that's because they took it all as a lump sum. There are ways to minimize the tax, and there's actually a fund math equation that the the super fund and the they all do to kinda work out the taxes up to 22%. So the taxation could be a little bit less, but it just comes down to, you know, essentially your age and stage and how much you're claiming and when you are claiming. If you were to be over the age of 60 in claiming TPD, then there's no taxation on that. That is fully tax free. Okay. Yes.","start_word":4732,"end_word":5023,"sentiment":"neutral","sentiment_score":0.007932300494396931},{"text":"That's okay. That is a lot. I get that.","start_word":5024,"end_word":5032,"sentiment":"positive","sentiment_score":0.4116290211677551},{"text":"Do you have any questions in relation to what I've just gone through for you? Not at the moment. No. That's okay. Are you fairly happy with the level of TBD you have at the Yeah. I think moment? Yeah. That's okay. That's alright. When so. you're I looking mean, at the documents I mean, am I supposed to have more? no. It was it's an individual choice. Not everyone does. I've got clients who only wanna cover, you know, their debts, their mortgages. You technically don't have a mortgage on your property, so, you know, that's, you know, Yeah. something that you don't have to realistically worry about. Other Yeah. clients want to cover themselves from, you know, their current income from the age of 25 to 65. Other clients just want a couple of years of income replacement, and some people just find that there's a certain amount of cover they're comfortable having. So admittedly, TBD, whilst you are on an income protection claim, is very difficult to increase. So they would exclude any preexisting conditions that you have gone through. So the fact that you with the breast cancer, they would, you know, exclude that probably or or any symptoms of. But in saying that, it's gotta also cover what you wanted to cover. If you were to as much as you're 48, you're only 48 this year. So 47 now, 48 this year, you still have a lot of life to live, and TPD does have to provide as long as possible or cover for as long as possible. Because while some people do claim TPD and then within two, three, or four years can find another job to go back to, Other people do claim TPD and can never ever go back to work again. They are fully disabled, and that amount of money has to suffice and and give them enough living expenses for as long as possible for them and their families. So it's a very the goal for what level of cover is important to you is different for everybody. And if you found that wasn't enough to you, you're welcome to let me know. I will go out there, look at, obviously, what is available to you, look at the costing of that, how we structure it, and update the recommendations to try and reflect. If we were to go out there and find that we weren't able to increase or weren't able to get anything different, that is a conversation we would have to come back and have. But it's it's gotta be about what's important to you as well, the level of That's cover fine. that's right for you and Yeah. your goals. Okay? Okay. Oh, good. Sorry. It's a lot of information. Let me know if any questions do happen to come up, Catherine. Mhmm. Okay. Easy. You've got your income protection policy there. You're on that claim at the moment, and that's being paid out of pocket. You still have your trauma policy, which has been reinstated as well. The current trauma amount is 187,030, and currently, the out of well, I know the income protection, you're not currently paying for that because you're on claim at the moment. But the certificate of the currency shows the expected out of pocket cost is $261.57 per month. Because you're on an income protection claim, they shouldn't be you normally don't pay the income protection amount. So that amount you're currently paying out of pocket, that would be less. Have you had a look at your bank statements and how much the insurer is deducting on a monthly basis out of pocket for your insurances? Sorry.","start_word":5033,"end_word":5649,"sentiment":"neutral","sentiment_score":0.005134582338398821},{"text":"What what do you mean? I don't understand.","start_word":5650,"end_word":5657,"sentiment":"negative","sentiment_score":-0.43655872344970703},{"text":"Do you know how much, nearest are deducting from your bank account on a monthly basis for your current insurance policies out of pocket? Oh, yeah. It's for the cover. Yes. I can't remember. I can have a look. Do you wanna That's hold okay. on for a second? Yeah. Absolutely. Yeah. $160.15. That's for the Beautiful. trauma. Yep. Trauma. Right? Yes. That's correct. Yep. Yeah. Beautiful. So the documentation you'll have in your annual review packet notes the monthly premium is $2.61 57. That is just based on the specific of currency that we have, but you are paying less because whilst you're on an income protection claim, they don't get you to pay the premiums. The premiums are always frozen whilst you're on a claim. So that's why there'll be a difference between what you see in your annual review pack or the certificate of currency versus what's actually coming out of your bank account at the moment. Oh, so once I stop that income protection payment in, like, Okay? another It'll three years, then it'll go back start to again. Yeah. It will start again. the Yeah. Yep. And you've got a five year benefit, full so you should have about roughly three years left of amount? the income policy. Is that right? Yeah. I think so. Yep. Yep.","start_word":5658,"end_word":5879,"sentiment":"neutral","sentiment_score":-0.000513560080435127},{"text":"Beautiful. Excellent. Well, hopefully, things get a little bit better for you and you you know, the pain eases.","start_word":5880,"end_word":5898,"sentiment":"positive","sentiment_score":0.37718701362609863},{"text":"I do hope that you can get back to work a few more days. Yeah. Yeah. It is Me too. I have gone through a lot for you. Are there any questions that might be coming out of anything at all at the moment? No. No. No. That's okay. I guess, I am until sorry. It's we have a lot our of next information. appointment. Yep. Yeah. Absolutely. Yeah. Not a problem. Let's make that for you now. So it takes about four weeks for me to complete the research properly for you. So July 29, that brings us to the August 26. Twenty sixth of One, two, three, four. Yeah. August 26. Yeah. August. Did you prefer a Wednesday? What day is generally best for yourself? I think Tuesday is better. A Tuesday? Absolutely. And is it morning or afternoon that normally suits you better for the call? I think morning's better. Morning? That's okay. Did you want sort of first thing in the morning, nine or 10:00? Or Yeah. We can do 10:00. 10:00?","start_word":5899,"end_word":6074,"sentiment":"neutral","sentiment_score":0.06613097504966638},{"text":"Beautiful. There we go.","start_word":6075,"end_word":6078,"sentiment":"positive","sentiment_score":0.4014667272567749},{"text":"It is. Yep. There So that's we go. August 25. Is that right? It is the twenty fifth. Yeah.","start_word":6079,"end_word":6097,"sentiment":"neutral","sentiment_score":0.10292765498161316},{"text":"The year is going by very fast. Beautiful.","start_word":6098,"end_word":6105,"sentiment":"positive","sentiment_score":0.4166078567504883},{"text":"So what I'll do is I've just looked in my calendar. I'll add your email to the invite so it pops up with an email invitation for you to see because it is a couple of weeks away there. And if you find at any point that that changes or something comes up and you, you know, need a different time, just feel free to let me know, and we can reschedule it to a more suitable time for you. But at the moment, Okay. that is all locked in there for you for 10AM on the August 25 there. Okay? Okay.","start_word":6106,"end_word":6207,"sentiment":"neutral","sentiment_score":0.12024429440498352},{"text":"Thank you. Lovely. That's okay.","start_word":6208,"end_word":6212,"sentiment":"positive","sentiment_score":0.4763786792755127},{"text":"Now just to kind of recap, what I'm gonna be researching is looking at your suit for the current structure, the investments within. I'll factor in the employer contributions that you have going in there based on the previous income of about 12,000 per annum. Mhmm. I'll also sort of compare that with what's going into your sleep on a regular basis to make sure that adds up there for you. I will project out and look at additional contributions you were comfortable with $50 on a monthly basis to begin with. Does that sound accurate? Have I missed anything there at all? Mhmm. No?","start_word":6213,"end_word":6317,"sentiment":"neutral","sentiment_score":0.08761671185493469},{"text":"Fantastic.","start_word":6318,"end_word":6318,"sentiment":"positive","sentiment_score":0.4564020037651062},{"text":"I will also just retain insurances exactly as they are for the moment. If you like, as part of that recap Yep. email, I can just note down your current insurance policy with a little bit of detail around life, TPD, and income and income protection and trauma for you just to kind of reiterate. And then if you do find you have additional questions, you can let me know, and I'll send through some details on solicitors and, like, the the different information around the wills and power of attorneys for you, some general information. Does that sound okay? Mhmm. Yep.","start_word":6319,"end_word":6420,"sentiment":"neutral","sentiment_score":0.09635097898688973},{"text":"Fantastic. Everything else looks pretty good.","start_word":6421,"end_word":6426,"sentiment":"positive","sentiment_score":0.6862576007843018},{"text":"Do you have any other goals, whether it be long term, medium term that you're looking to sort of achieve or in the next, you know, one, two, three, five, or ten years? Not really. No. That's okay. Not at That's the moment. absolutely Yeah. fine. That's okay. We'll just focus on super for the moment. If anything does change or come up, please let us know. You're still technically a pharmacist, and you're still going back to work for Wizard Pharmacy. Has any of that changed? No. Nope. I'm still That's okay. working there.","start_word":6427,"end_word":6521,"sentiment":"neutral","sentiment_score":0.03925139456987381},{"text":"Fantastic. Fantastic.","start_word":6522,"end_word":6523,"sentiment":"positive","sentiment_score":0.506931722164154},{"text":"Other than that, I've got you booked in on the twenty fifth, so I'll go back and do a little bit of research around the super side of things. If any questions do pop up, please let me know. I'll send you the email, and you can always email me back if you do happen happen to have any additional questions. In the and the review pack, we have, as I mentioned, a copy of all the documents that I have gone through today explaining everything I've run through. It does also have your ongoing service agreement. So, for us to look after your super, monitor everything, and keep providing advice working towards your goals, we do charge an ongoing service fee. It is 1.65% per annum, and it is deducted in smaller monthly increments out of your super. So we wanna make sure your super is building and getting that 1.65% and then additional growth on top of that as well. So if I think you're happy Savvy to stay was it Savvy? Yes. He looked at the fees last time, and he made an Mhmm. adjustment. Has it gone up Mhmm. since? Our fees are normally 1.65% on a regular basis. I don't have any notes here to say that that was reduced or should be lower as an ongoing basis. He made he made the adjustments a few years ago, maybe. I can't remember how much it was. I thought it was 1% back then Okay. when it was made. Would it have been maybe 1.10%? One point one, possibly. Yes. Yep. Yep. That's okay. I can seek approval to see if they're willing to see if our head of advice is willing to adjust the fees for that for the year for you if you like. But as your balance increases, there's a lot more work around it, and updating the advice on a regular basis does mean that we do have to charge your ongoing service fee. And as advisers, we are professional service as well. So we do normally charge 1.1 oh, sorry. 1.65%. I can go back to our head of advice and put your case forward and see if they're willing to adjust to 1.10 for the next year for you. Okay. Yep.","start_word":6524,"end_word":6904,"sentiment":"neutral","sentiment_score":0.06793857678731909},{"text":"That will be Beautiful. good. Thank you.","start_word":6905,"end_word":6911,"sentiment":"positive","sentiment_score":0.4784044325351715},{"text":"That's okay. Not a problem at all. I'll let you know what the outcome is. If they agree to that, then a new ongoing service agreement will be sent out to you to sign and return back. If they don't, I'll come back and let you know. I would have to ask the question and seek approval from a head of advice in relation to that for you.","start_word":6912,"end_word":6979,"sentiment":"neutral","sentiment_score":0.10241831839084624},{"text":"Excellent. Happy to go back and do it.","start_word":6980,"end_word":6987,"sentiment":"positive","sentiment_score":0.5818533301353455},{"text":"Not a problem at all, Catherine. We also do have our tax file consent form attached there. So we do hold your tax phone number. It is sensitive information. We are very security conscious. That's why whenever you call us or we call you, we do security. Just making sure that all the information we hold that is Mhmm. tax phone number, and we just get you to sign and return that back just confirming that you are aware of that. Okay. Okay. Okay.","start_word":6988,"end_word":7071,"sentiment":"neutral","sentiment_score":0.07977091521024704},{"text":"Beautiful.","start_word":7072,"end_word":7072,"sentiment":"positive","sentiment_score":0.5144548416137695},{"text":"I'll do a little recap email for you shortly so you've got all the information I've gone through and some estate planning details there. And if you find you have questions, let me know. Okay? Okay. That's okay. Is there any questions that might have popped up at the end of the call at all? Or nope. That's okay. Do you have any plans for the rest of the day? Are you relaxing? Or Yeah. I've got things to do. yes. Yes.","start_word":7073,"end_word":7154,"sentiment":"neutral","sentiment_score":0.20425920188426971},{"text":"Yeah. Well all good. Well, I was taking up enough of your time now. I really appreciate your time today.","start_word":7155,"end_word":7174,"sentiment":"positive","sentiment_score":0.531732976436615},{"text":"I do apologize. I know it is a lot to go through, so I'll send the recap email. And if there's any questions that come up, don't ever hesitate to give me a buzz. I'll go back and ask about the ongoing service fee and seek approval there for you.","start_word":7175,"end_word":7224,"sentiment":"neutral","sentiment_score":0.1682937741279602},{"text":"And I hope you have a really good day. Thank you. You too. Thank you for your time, Catherine. I'll talk to you soon.","start_word":7225,"end_word":7248,"sentiment":"positive","sentiment_score":0.6657550930976868},{"text":"Okay. Bye.","start_word":7249,"end_word":7250,"sentiment":"neutral","sentiment_score":0.30726417899131775},{"text":"Thank you. See you later.","start_word":7251,"end_word":7255,"sentiment":"positive","sentiment_score":0.591751754283905}],"average":{"sentiment":"neutral","sentiment_score":0.06728987007063736}}}}