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Yeah. That's okay. If now is not suited, I can always make a more appropriate time for you. That's that's okay. No worries. So you've had a busy day by the sounds of it. Yeah. That's okay. Well, I'll try not to take up too much of your time there. But just before we go through the call, just let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a security check there for you as well, we are discussing your personal information. So I'll get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful. Thank you so much for that. Paul, we do normally also send through your annual review documents as well for you to review as we are going through them. Are you able to access your emails there at the moment? Oh, that's that's absolutely fine. I'm just sending the email to you now. Just confirming your email address should be solas_89@hotmail.com. No changes to that at all? Yep. Excellent. All good. Yeah. You're right, honestly. Not a problem at all. You said you had a very busy morning. Been a busy week for you as well? Oh, wow. Yeah. You you've been doing it all. No. Yeah. Oh, yeah. That's okay. Well, I'll try not to keep up too much of your precious time, and I don't wanna get you get you in trouble for not finishing the fence at all. Yeah. No. All good. Yeah. Yep. That's the one. Yeah. Perfect. Fantastic. So just kind of yeah. Yeah. Absolutely. And that's kinda what we wanna do today is sort of go through everything with you, look at your goals, look at what we're tracking. I have had a bit of a look at your portfolio prior to, you know, doing the review with you today. So there's definitely some things that we might be able to look at to sort of update the advice for you as well. Okay? Easy. No worries. Now when you're looking at those documents, the first one you should see is a summary of superannuation and insurances. Are you able to see that document there at all? Yes. So click on that one. It'll allow you to go through so you can view the documents. It will never ask you to sign anything you haven't read, and we'll go through those prior to you deciding whether you're happy to sign them. Yep. Yep. And for it'll take you through. Yeah. Fantastic. Yep. Yep. So, yeah, and you've got your net worth balance there. So when I have a look back last year at this time, your super balance was sitting at, sorry, a $158,812.41. So your super balance is now sitting at a $181,002.71 and 60¢, sir. So when we look at the returns and the markets over the past sort of twelve months there, net of fees, you've made a 5.01% return. So it isn't a bad return at all. Obviously, markets have been a bit up and down this year, so the returns are expected to have some used to be lower than where you'd like them to be or where you'd sort of expect them to be. But to still have growth in your super is a good thing, and it's about compounding that long term. Yeah. So the growth the growth as a dollar figure for that past twelve months, the income plus the growth there is a bit over $8,404, so the rest that would have been contributions. Yeah. Yeah. So as I said, it's a bit lower. It's you know, one of the things this year is that the markets have been a bit volatile. We have seen a lot of ups and downs with what's been going on globally there, but it is still good to come out with a positive return on top of that, and we just wanna keep compounding that forward. So we do know some years are gonna get a really great, lovely return, maybe twelve, fifteen, or 20%. Other years, it might only be two, three, or 5%. It's about working through those times and continue to contribute regardless of what the market does do because you've still got twenty one years before you can access super. So, you know, you're still at the start at this point and have a lot more growth ahead of you there. Okay? Excellent. The other thing you can sort of see on that document there is your insurances. So you've got your life and TPD there. Now you did mention to me that when you spoke to my colleague, Kyle, last year, you did go through those insurances in quite a bit of detail. If you think about the the insurances and how, you know, they could affect you and whether they will cover what you want them to, it's about sort of looking at what they would cover if something was to happen to you. So with life cover, if you were to pass away today, obviously, we hope nothing does happen. But if you sort of look at this hypothetically, you've got 976,373 of life cover, and then you've also got a 181,000 in super on top of that. So it's a bit over $1,000,000 thereof cover, bit over one point 1,000,000 of cover there. What is it that you would want to have paid at? Where would you want that paid to? Yep. Yep. Beautiful. And you would want her to maybe cover the mortgage completely? Absolutely. Yeah. Well, I mean, the mortgage I had noted here was about 330,000. Is that roughly correct, or have you been able to reduce that a bit since then? 3 100 and 10,000. Yep. Okay. Yeah. Beautiful. So, like, if we looked at the amount of cover, essentially, you're looking at, you know, almost $1,200,000 in cover there. If you then subtracted the 310,000 for the mortgage, obviously, adding a 100 and how much did you say was in the offset account? $2.15. And is that three 100,000? Yeah. That's my next question. Was that is that offset reduction for or deducted from the amount you just gave me? Absolutely. So, realistically, it would leave her after covering the mortgage a little over still you know, realistically, a little over a million dollars of cover there. Yeah. Your income, you're on about a 130,000. Is that right, income wise? Yeah. Yep. Yep. Yeah. That's okay. Overtime. And you do say a bit of overtime every week or month? Or yeah. Mhmm. Yeah. Yep. Yeah. Absolutely. Yeah. No. Absolutely. Fantastic. So if yeah. No. Perfect. So if we sort of looked at that and just based it on, say, 130,000, but with your life cover and your super being paid out covering the mortgage and then, you know, thinking about income replacement, it would give her based on a 130,000 about eight years of income replacement there. If in the event that you would have passed away, they could technically live on less money. That would obviously improve how long those funds do last for. But do you feel that's fairly appropriate for where you are with the income replacement that covering the mortgage? Yeah. Yeah. That's it. Yep. No. That's okay. Well, these insurances are indexed on a regular basis, so they do increase over time. They also will get more and more expensive, which have can have an effect on your retirement figure there as well. So if you ever do feel like you're over insured that you wanna kinda reduce the insurances back, we can definitely do so. And reducing them back is the easy part. It's kinda getting them back up if you decide you need to increase the cover back again, which can be a little bit difficult. It's, you know, not not not a hard process to go through, but if you reduce it back, it's as simple as, you know, signing a form to say this is what I wanna reduce my cover to. Whereas increasing it back, you do have to reapply for the increase, which means going through underwriting again, reassessing your health, and things like that. So we generally sort of say, yeah, we generally sort of say that if you've reduced your mortgage down to fairly minimum and, you know, your income's good and you've got things that you can, you know, cover or offset yourself with, then we could look to reduce it back. But, normally, you're a little bit older with having small kids at home. If something was to happen to you, having a good amount of cover is not a bad thing. Believe it or not, most people don't have enough cover. About 70% of the population is technically underinsured or doesn't have any cover at all. So you put yourself in a good position to make sure that your family are covered in the event that something happens to you. Yeah. Yep. Yeah. To assess. Yep. Yep. Absolutely. Yeah. Absolutely. Fantastic. And that'll be in 2028. Is that sort of from January, the the calendar year for 2028? Or yes. Yep. Beautiful. Fantastic. Excellent. Now you've also got your TBD cover there. Do you understand how total permanent disability works or any information around TBD cover? Sorry. Yeah. Yeah. So if you're never able to go back to work again for any occupation for which you're educated, claimed, or have worked in the past, so, TPD, you've got the same level of TPD there. If you were to claim on total permanent disability, we can also, under, the permanent incapacity release, try to access your super as well. So there is a chance that you could get access to both of that. The only sort of thing I do like to clarify for people is to make sure you're aware that if you do claim on TBD, if you are under the age of 60, unfortunately, TBD is actually taxed. So if you were to claim TBD and get a full access to the funds, withdraw the whole amount out of the lump sum, you are taxed on that. It's up to 22 percent. It could be a lesser taxation amount, but it is up to 22% if you're under the age of 60. So I just like to make sure everyone's aware of that. The way we sort of work things as advisers is if you are claiming on TDD, we'll assist you with the claim, but then we'll also provide advice on how we can maybe keep the funds invested for as long as possible, drawing out smaller amounts to keep it going and working as long as possible for you as well and also to help sort of minimize the taxation consequences. So I think it's personally, I don't like the fact that it is taxed, but it is something to make sure you are aware. Some people do like to factor into the tax and gross up the amount a little bit, but you do have a good amount here. So even with taking the taxation consequences into play, you could still pay out the mortgage and have an additional buffer left over, and we would definitely help to minimize those tax consequences if in the event of the claim was to come up for you. Okay? Yep. Easy. All good. Perfect. Now you don't have any sort of income protection or other personal insurances like trauma. Has anyone ever gone through those types of cover with you, explained what they are, or asked about them? Sure. Okay. So you've got sort of income protection through work and or okay. Perfect. So you so I mean, do you know if you were off work due to illness or injury, how long they would cover your income for, or do you have any sort of information around that with the EBA? If not, that's okay. I just wanted to find out to help you out. That's all. Perfect. That's okay. If you are able to get a hold of that and send it through to us, it would be good to be able to assess that as your total circumstances. We can't obviously alter or change any of that, but it helps to understand what the risk is for you. And, obviously, we can, you know, monitor look at your circumstances and help you to monitor, you know, whether that's appropriate or not for you or whether you need to maybe consider additional income protection or things like that to help reduce the risk level for you. Yeah. Yeah? Oh, wow. If you could, that'd be fabulous. If you want, I can send you an email after the call just requesting it. And if you're able to send that to us, that'd be fabulous. Yeah. Beautiful. All good. And so the other types of personal insurances and look, honestly, you can cover yourself to the end of the earth. We could be forever paying for insurances for ourselves, but it depends upon, you know, what you're comfortable paying from what you're not. There are other types of cover like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a major traumatic condition, probably, like, cancer is one of the biggest ones. And you can also get additional types of trauma cover for your children as well that pay out lump sum benefits if your children are diagnosed with major traumatic illnesses like cancer, or if they would have passed away. It can also pay out a life benefit for your children as well because it's something that's not covered by any insurances for yourself. So there are those other types of covers that you're welcome to think about down the track if you would like to look at those. They are paid out of pocket, so it does tend to have an effect on your out of pocket expenses. It's not something everyone's comfortable with with the cost of living currently. But did you kind of, you know, wanna look at anything additional, or you're happy just with the what you yep. Happy with that? Absolutely. That's okay. And if you decide you want to, you can always come back and have that conversation again. You're not limited to just one annual review. If you, you know, come up in a month or two's time and go, hey. I wanna talk about something else, my team will book you back in and we can have more of a conversation. It's absolutely fine. Fantastic. Excellent. Beautiful. The next document is there in there is your performance report with regard to how your super has performed there. The second page, as I said, does explain that after the past twelve months, the net return you've received is about 5.01% there. Sorry. That is net after fees. That's after ongoing service fee and then administration fees and also not including any contributions going in. So that is really good. Your super has done really, really well, and it has been a very volatile time there. We did sort of make some changes to your super a few months back for you. Do you remember receiving, like, a document, a record of advice in probably March this year? Yeah. That's okay. It was a few months back now. That's alright. Essentially, you did have an investment within your super previously. It was then along Australian equity, so that investment, we sorta had noticed, had been underperforming. We decided we wanted to remove that from your portfolio for you. So we had sent that record of advice out to note that we had removed that. You do now hold the beta shares a 200. So one of the the biggest differences between them is Bennelong was more of an actively managed fund. So the investment manager is meant to be buying and selling investments and trying to outperform against the market. And the Bennelong Australian equities normally holds between 15 to 25 different investment options within that fund there. The BetaShares a 200 is giving you much greater diversification because you're tracking the top 200 companies on the ASX. So it's giving you greater diversification, helping to lower the overall risk, but it's also a passively managed fund. So it's tracking the top 200 companies. We're not investing in a an investment manager who's trying to pick and time the market and buy and sell the top and the bottom. So it helps to reduce your risk level a bit, and this investment has been performing greater. So it has definitely had a really positive effect on your super this year. What I would like to do, though, is whilst retaining some of these, I would like to go back if you're comfortable with me doing so. Maybe just revalue reevaluate the investments that you're in. You are in much of an older portfolio, and it is good to definitely rebalance things back a little bit with, you know, with the way growth works. Some investments grow faster than others. So I would like to go back. I've had a bit of a look. I can see some changes that we could definitely make to your portfolio. Just make sure things are working harder for you. We've got a few other options that we could switch out some of these investments, maybe reduce the cost of your portfolio, have some investments that might be working a bit harder for you and see how that tracks towards your retirement goals. Are you comfortable with me reevaluating things for you? Yeah. Beautiful. Fantastic. It just takes a couple of weeks to do the research there for you, Paul. So I'll go back and have a look at the portfolio, look at what it's doing, how it's tracking, and then we can kinda go from there. One easy. One of the things I did kinda wanna look at was how how you would like to see your funds invested. So there are different ways to build build portfolios, and one of those is to have active managers in there. Did you want us to look at sort of portfolios where there can be some active investment managers who might be taking on a bit more risk to try and outperform against the market, or would you like a portfolio that's probably a bit more low cost that's still performing just as well? What would you sort of want me to focus on? Yeah. Absolutely fine. Low yeah. Yep. Yeah. Absolutely. Fantastic. That's not a problem at all. I would definitely look at that for you, and I'll come back after we've done the research, and we'll go through that advice document together. Okay? Fantastic. Excellent. Now I can also see that your salary sacrificing at the moment, it looks like you're doing about $50 per week. Are you still salary sacrificing that? Yep. And you're still comfortable? Excellent. Are you still comfortable keeping it that amount? Would you wanna look at increasing that, or you're sort of happy with it with all the changes you're going through in that childcare costs? Yes. Yep. Yeah. Absolutely. Yeah. No. That's not a problem at all. That's absolutely fine. I'll put that down as something we can focus on down the track there for you and just look to retain your current salary sacrifice. It's not a problem at all. Excellent. The next couple of documents in that email, if you keep scrolling across there, you've got the Vanguard index chart. This you've probably seen a couple of times in the past. It's more just a bit of a tool and a guide to show you how funds are invested there. It does sort of show you that markets go through ups and downs, and because you are still so young and have that twenty one years before accessing super. It's about making sure that you're invested in a portfolio that can withstand the downtime knowing that we expect returns to be negative in some years, and we expect lower returns some years as well. And it's about making sure you're not wanting to access those funds within those downtime there. I will run through just a quick risk profile with you shortly, but you have time on your side to be able to withstand the ups and downs, go through the volatility before accessing your super, and not to get scared about the downtimes. Admittedly, it does happen. We are human. And if you are ever hearing anything in the market that is concerning you, please give us a call. Let us know. I'm more than happy to talk you through it. Okay? Excellent. The next document attached is your Zurich certificate of currency, just giving you a little bit more detail on, obviously, the the insurances that you do hold there. And then we've also got the financial services guide attached. This has been updated most recently, so it runs you through everything about who we are, what we do, how we do it. It's also noting that our fee structure is going to change as of next year as well. So it doesn't affect you at the moment, but, essentially, moving forward, our fee structure will be more of a tiered fee structure. So when your balance hits that $200,000 mark, it will then move into the next tier, and it means the tier drops a little bit. So at the moment, any balance is up to 200,000. So you do pay 1.65% for our ongoing service fee. When your balance is at $200,000 mark, you drop into the next tier down, and it drops to 1.375. So whenever your balance increases and you hit that tier's fee structure, it'll drop down a tier which is gonna work out better for yourself. The other side of it is that it's gonna be yeah. The lower the fee structure. Yeah. That's exactly right. It's kind of a good thing to kinda build your sleeper up. The other difference is that we're gonna do it as a set dollar figure fee. So we will work out based on your balance at the time of the review how much you're expected to pay for the ongoing service fee for that year. We do add a 5% for growth to the fee. So it does mean it will show you a set dollar figure fee, which means that you can expect to pay a certain amount for the year with the current fee structure. If you get a ten, fifteen, or 20% return there, that fee kinda goes up with that return. So this will give you a lot more clarity around how much you're expected to pay for our services for the year, and it won't go over that set amount there for you. So it's about giving you more clarity on the service fee for that year, what's expected, and making sure that you obviously, as your super balance increases, that that you drop over to the next tier there as well. We're not increasing the amount we're charging in any way. It's just that we've had to change the tier structure a little bit because the cost of advice and everything in the back end has increased as well. So we're just making sure that it's still working for you guys, but also just giving you more clarity. And I personally like the set dollar figure because you know how much you're gonna pay us for that year, whereas the tiers whereas percentage based fee can fluctuate with the market. So it's more just a bit of a guide for you if that makes sense. Yeah. Excellent. So for this year, it is still with your balance under two 100,000 still, it is at 1.65%. So no real major change to yourself for the year. But, obviously, next year, I'll be able to show you a bit more detail there. Okay? Excellent. We'd hope so. Yeah. Yes. So, hopefully, next year, the balance will go up to that $200,000 mark, and then it will drop down to the next tier there for you. That'd be fabulous. Yeah. Excellent. Fantastic. So I just wanted to run through and update a few additional details there for you currently. Now we did sort of make mention what your mortgage is, which is great. The sorry. Your main primary residence, what's the rough valuation you put on that for the moment? Yep. Beautiful. And just a question with regard to that. When you take your big trip, are you planning on renting your house out for the time being, or what's the the plan for the house of the year? Keep and rent it out, and you'll be gone. So you're perfect. And it'll be about one year that you're you're you're shipping around for. Is that right, or is it expected to be longer? Yeah. Fantastic. That'll be really, really great. I love that. Fantastic. I've got your car down here. I'm just sorry. I don't know what kind of car it is. It says rough valuation of 22,000 on the vehicle. What would you value your car at? 20 2,000? Yep. Perfect. And what sort of vehicle is it? A Hilux. Yep. Beautiful. Hilux. Excellent. I've also got your caravan here with a value of 13,500. Would you change or alter that valuation at all? Yeah. That's okay. And then you've also got an investment portfolio with a few different stocks. And the evaluation we had last year was 17,000. Has that increased a bit since then? That 20,000? Fantastic. Are you putting money into that regularly as well or just letting it sit and do what it does? Yep. Beautiful. Right. Excellent. Fantastic. Excellent. And I've got your partner's car down here as well with a valuation of 20,000. Would you keep or alter that valuation? Yeah. That's okay. And what kind of car is that one? Tucson. Beautiful. Excellent. Is there any other assets like that's okay. Yeah. Yeah. Anything else you wanna note down at all? Yep. That's okay. Absolutely fine. And then, also, the other thing I like to sort of look at is the beneficiary side of things as well. So I have I've got down here that you yourself and your partner, you've had a will and power of attorney join up in the past. Is that right? Yeah. It's all current and valid as per your circumstances. Yeah. Yeah. No. That's okay. Excellent. Have have you considered or have you done, like, a guardianship that sort of states what happens to the children if and when you both were to pass away? As part of it. Yeah. Beautiful. Excellent. Fantastic. And then I've also got your beneficiaries noted here for your life and your so far, a 100% is Charlotte in the event that something occurs to you. Was that correct and accurate per your circumstances? Yep. Beautiful. Excellent. Lovely. The last thing to run through quickly is just your risk profile questionnaire just to make sure you are invested in the correct portfolio does help when I'm just going back to update the advice for you. The first question here is basically, you know, if you were to say for your super fall by 20% over the next one to two years, how do you think you might be feeling in that instance? Are you considering it an investment opportunity and wanting to put some money into the market? Are you maybe holding and waiting, just letting it go through the ups and downs and calling us to have a bit of a chat, or are you feeling concerned and wanting to sell the investments to cash? How do you think you might react? If you saw this yeah. If you saw the super fall by, say, 20% over the next one to two years, how do you think you might be feeling? Yep. Yeah. Realistically, writing it out is the best way to go. I've sort of ticked their hold and wait and maybe call us and see what we suggest you do. Does that sound appropriate for the answer? Yeah. That's all good. It is just the hold and wait. It is a hard thing to do, but staying invested throughout those downtimes is very important because you'd never know where the top of the bottom of the market is. The selling out means you've gotta find a point to buy in. And if you miss the top and the bottom of the market, you could be off by thousands of dollars, which compounding it, you know, a five or six percent return over the longer term can have a much larger effect. So it's about staying invested through those downtimes and remembering you can't access it for twenty years. So you, you know, you you don't need to worry about stressing out about those moments. As hard as can definitely be, and I understand that. Yeah. The next one here is have you ever seen your super fall in value? If you have, again, how does it make you feel? Are you optimistic about the investment opportunities ahead? Are you cautious, concerned, or feeling anxious? How do you think you might feel? Mhmm. Yeah. Yep. Yeah. Yep. Yep. Absolute that's okay. Absolutely. Fantastic. And the last one here is when you think about the level of risk you're taking, are you comfortable taking on a higher level of risk to get greater potential returns knowing the downside is also reflective of that, or are you more comfortable taking on a moderate or medium amount of risk to get the best returns you can? Where would you fit in that scenario? Yep. Yep. Yeah. Yep. Absolutely. Fantastic. And the last one I have here is just, have you ever considered borrowing to invest in shares or managed funds, or would you only ever wanna borrow for safe property? How do you see the risk around borrowing to invest? Yep. That's okay. Yeah. And you've got that trip that you're planning for as well, so understandable. No. That's okay. Beautiful. Now with where you have essentially scored that you have scored as a growth investor. So that does say generally about 80% of your super invested in growth assets, so things like Australian and international shares, listed property and commodities like gold and silver, and then the other 20% in low risk defensive investments, so things like cash, bonds, and fixed interest. With the growth portfolio, when you consider, say, the risk out of a number between one and five, five being the highest level of risk and one being probably the lowest sitting all in cash, you're sitting at about a three. So you're kind of in that midway point there. For your age and stage, that growth portfolio generally suits quite nicely. We're kind of expecting or wanting to achieve about a seven to 9% return compounding forward over the next twenty years there, and the likelihood of a negative return is about one in every sort of five years. Do you feel like that's fairly comfortable for where you're sitting? Did you wanna keep that kind of environment? Yep. Beautiful. Fantastic. Excellent. Well, what I'll do, just to kinda recap, I'll go back and just reassess you, Steve, for the investments, look at rebalancing and maybe switching some things out, look at more of a low cost portfolio there for you, try to reduce fees where I possibly can, and look at what we can do for the advice. We'll update the statement of advice to reflect that, keeping contributions based on your current rate and retaining the $50 per week salary sacrifice there, not increasing down the track. We'll retain insurances as they are. You're happy with the life and TPD, not worrying about income protection. I'll send you an email shortly just to get the information from your EBA there. And with scoping at not factoring any any new insurances like trauma or child trauma currently. And then medium term goals down the track, we are also looking at, you know, your big holiday down the track, possibly increasing contributions after that time frame. And just sort of tracking forward, you're still hoping to access Super around about 60. Is that right for your goal still? Yeah. That's that's a yes. So the age pension for eligible recipients is 67 currently. Yeah. But you can access super at 60. The way I tend to work it out with a lot of my retiree clients is that we look at if they wanna access super at 60, what they need to live on, how we draw that between 60 to 67, And then from 67, depending on eligibility, you know, what age pension access do they get and how do we reduce the the withdrawal from 60 there. So it's definitely possible. It's not a problem. It's something it's your goal. We can look at it down the track to assist you in that area. Okay? Beautiful. Excellent. And I'll retain the growth environment there for you. Have I missed anything? Is there anything that you think I maybe not have touched on or any additional questions you have that you maybe wanted to bring up with me at all? Yeah. Mhmm. Yep. Yep. Yeah. Well, I mean, putting it on the mortgage isn't a bad thing. Essentially, you're putting it onto your main primary residence. Money held within the loan gives you a guaranteed rate of return. You could definitely look to invest that in other areas if you wanted to, but one of the big things you kind of pulled out with me is that you wanna take this big trip as well. So if you were to invest that money outside of Super, would you then be wanting to draw on that to a put back on the mortgage at a later time to reduce the interest payable, or would you be wanting to maybe draw that money out in the next in the next, what, two years to be able to take your big trip around the country? Do you think that that would need to be access yeah. So, realistically, I wouldn't wanna be investing anything that in the short term that you're gonna utilize within the next sort of three years. Investing should always be more of a longer term investment, so keeping on the mortgage for now isn't a bad thing. You've also now got childcare costs and your wife going back to work, and it could mean that your hours drop a little bit as well. So shelter that money on your mortgage isn't a bad thing. It saves on interest for you. If you ever did wanna sort of talk more about what you can do, that's absolutely fine. But one of your goals is paying down your mortgage the biggest thing you have going. Is that something you wanted to really do front as a goal? Yeah. Yeah. Yeah. Yeah. Absolutely. Yeah. Correct. So, look, putting it on the mortgage is the right place for that money at the moment with everything you've got. Your main sort of medium term goal you've mentioned is to kind of pay the mortgage down as quickly as possible, but then also drawing on that money back when you need it to. So it's on the mortgage. It's saving you interest for the shorter term, but then it's also accessible in the short term if you need it. The other side to that is if you invest the money in portfolios that side of Stupa, there are tax consequences that because you are getting growth in income, which needs to be included in your personal taxable income. So having it where it is at the moment, there's no ongoing tax consequences just for us sitting in your mortgage, and you're kinda sheltering that money as well. And saving on interest on the mortgage, which in my book with how much I pay on my home loan is not bad. Yeah. Yeah. That's correct. That's correct. Yeah. Definitely. So does that answer your question for the moment? Does that did you need any further clarity on that currently? Excellent. Beautiful. Well, look. Thank you so much for your time today, Paul. It's been an absolute pleasure. If you can just sign and return the annual review pack when you've got a second there just so we can have everything on file updated, And I'll go back and just update the advice there for you, and we'll come back in a few weeks and wrap it together. How does that sound? Yep. Yeah. That'd be fabulous if you're comfortable to do so. Yeah. Yep. Yep. Well, absolutely. Yeah. This takes a couple of weeks to do the research component around the side of things. And as soon as that is good to go, my team will book you back in, and we'll run through things together. You'll get the statement advice to look at. I'll run through the recommendations I'm making, and then you get to take it away and read it and decide whether you're happy to take those recommendations on or not. Okay. Easy. Beautiful. Thanks. You're sorry? Yeah. I'm just doing up an email now to send to you just to request that so you've got my direct email there for you. Okay? Okay? Beautiful. Easy. Well, I hope you have a good day painting the fence. I hope you enjoy the rest of your day. Easy. Thank you so much for your time, Paul. Easy. You have a great day. Thank you. See you later. 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Paul. It's Dana from OQ Financial. How are you today? I'm very well. Thank you.\n\nThanks for asking. I had you booked in to go to your annual review. Is now still a good time there for you? Yeah. That's okay.\n\nIf now is not suited, I can always make a more appropriate time for you. That's that's okay. No worries. So you've had a busy day by the sounds of it. Yeah.\n\nThat's okay. Well, I'll try not to take up too much of your time there. But just before we go through the call, just let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just to do a security check there for you as well, we are discussing your personal information. So I'll get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Beautiful.\n\nThank you so much for that. Paul, we do normally also send through your annual review documents as well for you to review as we are going through them. Are you able to access your emails there at the moment? Oh, that's that's absolutely fine. I'm just sending the email to you now.\n\nJust confirming your email address should be solas_89@hotmail.com. No changes to that at all? Yep. Excellent. All good.\n\nYeah. You're right, honestly. Not a problem at all. You said you had a very busy morning. Been a busy week for you as well?\n\nOh, wow. Yeah. You you've been doing it all. No. Yeah.\n\nOh, yeah. That's okay. Well, I'll try not to keep up too much of your precious time, and I don't wanna get you get you in trouble for not finishing the fence at all. Yeah. No.\n\nAll good. Yeah. Yep. That's the one. Yeah.\n\nPerfect. Fantastic. So just kind of yeah. Yeah. Absolutely.\n\nAnd that's kinda what we wanna do today is sort of go through everything with you, look at your goals, look at what we're tracking. I have had a bit of a look at your portfolio prior to, you know, doing the review with you today. So there's definitely some things that we might be able to look at to sort of update the advice for you as well. Okay? Easy.\n\nNo worries. Now when you're looking at those documents, the first one you should see is a summary of superannuation and insurances. Are you able to see that document there at all? Yes. So click on that one.\n\nIt'll allow you to go through so you can view the documents. It will never ask you to sign anything you haven't read, and we'll go through those prior to you deciding whether you're happy to sign them. Yep. Yep. And for it'll take you through.\n\nYeah. Fantastic. Yep. Yep. So, yeah, and you've got your net worth balance there.\n\nSo when I have a look back last year at this time, your super balance was sitting at, sorry, a $158,812.41. So your super balance is now sitting at a $181,002.71 and 60¢, sir. So when we look at the returns and the markets over the past sort of twelve months there, net of fees, you've made a 5.01% return. So it isn't a bad return at all. Obviously, markets have been a bit up and down this year, so the returns are expected to have some used to be lower than where you'd like them to be or where you'd sort of expect them to be.\n\nBut to still have growth in your super is a good thing, and it's about compounding that long term. Yeah. So the growth the growth as a dollar figure for that past twelve months, the income plus the growth there is a bit over $8,404, so the rest that would have been contributions. Yeah. Yeah.\n\nSo as I said, it's a bit lower. It's you know, one of the things this year is that the markets have been a bit volatile. We have seen a lot of ups and downs with what's been going on globally there, but it is still good to come out with a positive return on top of that, and we just wanna keep compounding that forward. So we do know some years are gonna get a really great, lovely return, maybe twelve, fifteen, or 20%. Other years, it might only be two, three, or 5%.\n\nIt's about working through those times and continue to contribute regardless of what the market does do because you've still got twenty one years before you can access super. So, you know, you're still at the start at this point and have a lot more growth ahead of you there. Okay? Excellent. The other thing you can sort of see on that document there is your insurances.\n\nSo you've got your life and TPD there. Now you did mention to me that when you spoke to my colleague, Kyle, last year, you did go through those insurances in quite a bit of detail. If you think about the the insurances and how, you know, they could affect you and whether they will cover what you want them to, it's about sort of looking at what they would cover if something was to happen to you. So with life cover, if you were to pass away today, obviously, we hope nothing does happen. But if you sort of look at this hypothetically, you've got 976,373 of life cover, and then you've also got a 181,000 in super on top of that.\n\nSo it's a bit over $1,000,000 thereof cover, bit over one point 1,000,000 of cover there. What is it that you would want to have paid at? Where would you want that paid to? Yep. Yep.\n\nBeautiful. And you would want her to maybe cover the mortgage completely? Absolutely. Yeah. Well, I mean, the mortgage I had noted here was about 330,000.\n\nIs that roughly correct, or have you been able to reduce that a bit since then? 3 100 and 10,000. Yep. Okay. Yeah.\n\nBeautiful. So, like, if we looked at the amount of cover, essentially, you're looking at, you know, almost $1,200,000 in cover there. If you then subtracted the 310,000 for the mortgage, obviously, adding a 100 and how much did you say was in the offset account? $2.15. And is that three 100,000?\n\nYeah. That's my next question. Was that is that offset reduction for or deducted from the amount you just gave me? Absolutely. So, realistically, it would leave her after covering the mortgage a little over still you know, realistically, a little over a million dollars of cover there.\n\nYeah. Your income, you're on about a 130,000. Is that right, income wise? Yeah. Yep.\n\nYep. Yeah. That's okay. Overtime. And you do say a bit of overtime every week or month?\n\nOr yeah. Mhmm. Yeah. Yep. Yeah.\n\nAbsolutely. Yeah. No. Absolutely. Fantastic.\n\nSo if yeah. No. Perfect. So if we sort of looked at that and just based it on, say, 130,000, but with your life cover and your super being paid out covering the mortgage and then, you know, thinking about income replacement, it would give her based on a 130,000 about eight years of income replacement there. If in the event that you would have passed away, they could technically live on less money.\n\nThat would obviously improve how long those funds do last for. But do you feel that's fairly appropriate for where you are with the income replacement that covering the mortgage? Yeah. Yeah. That's it.\n\nYep. No. That's okay. Well, these insurances are indexed on a regular basis, so they do increase over time. They also will get more and more expensive, which have can have an effect on your retirement figure there as well.\n\nSo if you ever do feel like you're over insured that you wanna kinda reduce the insurances back, we can definitely do so. And reducing them back is the easy part. It's kinda getting them back up if you decide you need to increase the cover back again, which can be a little bit difficult. It's, you know, not not not a hard process to go through, but if you reduce it back, it's as simple as, you know, signing a form to say this is what I wanna reduce my cover to. Whereas increasing it back, you do have to reapply for the increase, which means going through underwriting again, reassessing your health, and things like that.\n\nSo we generally sort of say, yeah, we generally sort of say that if you've reduced your mortgage down to fairly minimum and, you know, your income's good and you've got things that you can, you know, cover or offset yourself with, then we could look to reduce it back. But, normally, you're a little bit older with having small kids at home. If something was to happen to you, having a good amount of cover is not a bad thing. Believe it or not, most people don't have enough cover. About 70% of the population is technically underinsured or doesn't have any cover at all.\n\nSo you put yourself in a good position to make sure that your family are covered in the event that something happens to you. Yeah. Yep. Yeah. To assess.\n\nYep. Yep. Absolutely. Yeah. Absolutely.\n\nFantastic. And that'll be in 2028. Is that sort of from January, the the calendar year for 2028? Or yes. Yep.\n\nBeautiful. Fantastic. Excellent. Now you've also got your TBD cover there. Do you understand how total permanent disability works or any information around TBD cover?\n\nSorry. Yeah. Yeah. So if you're never able to go back to work again for any occupation for which you're educated, claimed, or have worked in the past, so, TPD, you've got the same level of TPD there. If you were to claim on total permanent disability, we can also, under, the permanent incapacity release, try to access your super as well.\n\nSo there is a chance that you could get access to both of that. The only sort of thing I do like to clarify for people is to make sure you're aware that if you do claim on TBD, if you are under the age of 60, unfortunately, TBD is actually taxed. So if you were to claim TBD and get a full access to the funds, withdraw the whole amount out of the lump sum, you are taxed on that. It's up to 22 percent. It could be a lesser taxation amount, but it is up to 22% if you're under the age of 60.\n\nSo I just like to make sure everyone's aware of that. The way we sort of work things as advisers is if you are claiming on TDD, we'll assist you with the claim, but then we'll also provide advice on how we can maybe keep the funds invested for as long as possible, drawing out smaller amounts to keep it going and working as long as possible for you as well and also to help sort of minimize the taxation consequences. So I think it's personally, I don't like the fact that it is taxed, but it is something to make sure you are aware. Some people do like to factor into the tax and gross up the amount a little bit, but you do have a good amount here. So even with taking the taxation consequences into play, you could still pay out the mortgage and have an additional buffer left over, and we would definitely help to minimize those tax consequences if in the event of the claim was to come up for you.\n\nOkay? Yep. Easy. All good. Perfect.\n\nNow you don't have any sort of income protection or other personal insurances like trauma. Has anyone ever gone through those types of cover with you, explained what they are, or asked about them? Sure. Okay. So you've got sort of income protection through work and or okay.\n\nPerfect. So you so I mean, do you know if you were off work due to illness or injury, how long they would cover your income for, or do you have any sort of information around that with the EBA? If not, that's okay. I just wanted to find out to help you out. That's all.\n\nPerfect. That's okay. If you are able to get a hold of that and send it through to us, it would be good to be able to assess that as your total circumstances. We can't obviously alter or change any of that, but it helps to understand what the risk is for you. And, obviously, we can, you know, monitor look at your circumstances and help you to monitor, you know, whether that's appropriate or not for you or whether you need to maybe consider additional income protection or things like that to help reduce the risk level for you.\n\nYeah. Yeah? Oh, wow. If you could, that'd be fabulous. If you want, I can send you an email after the call just requesting it.\n\nAnd if you're able to send that to us, that'd be fabulous. Yeah. Beautiful. All good. And so the other types of personal insurances and look, honestly, you can cover yourself to the end of the earth.\n\nWe could be forever paying for insurances for ourselves, but it depends upon, you know, what you're comfortable paying from what you're not. There are other types of cover like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a major traumatic condition, probably, like, cancer is one of the biggest ones. And you can also get additional types of trauma cover for your children as well that pay out lump sum benefits if your children are diagnosed with major traumatic illnesses like cancer, or if they would have passed away. It can also pay out a life benefit for your children as well because it's something that's not covered by any insurances for yourself. So there are those other types of covers that you're welcome to think about down the track if you would like to look at those.\n\nThey are paid out of pocket, so it does tend to have an effect on your out of pocket expenses. It's not something everyone's comfortable with with the cost of living currently. But did you kind of, you know, wanna look at anything additional, or you're happy just with the what you yep. Happy with that? Absolutely.\n\nThat's okay. And if you decide you want to, you can always come back and have that conversation again. You're not limited to just one annual review. If you, you know, come up in a month or two's time and go, hey. I wanna talk about something else, my team will book you back in and we can have more of a conversation.\n\nIt's absolutely fine. Fantastic. Excellent. Beautiful. The next document is there in there is your performance report with regard to how your super has performed there.\n\nThe second page, as I said, does explain that after the past twelve months, the net return you've received is about 5.01% there. Sorry. That is net after fees. That's after ongoing service fee and then administration fees and also not including any contributions going in. So that is really good.\n\nYour super has done really, really well, and it has been a very volatile time there. We did sort of make some changes to your super a few months back for you. Do you remember receiving, like, a document, a record of advice in probably March this year? Yeah. That's okay.\n\nIt was a few months back now. That's alright. Essentially, you did have an investment within your super previously. It was then along Australian equity, so that investment, we sorta had noticed, had been underperforming. We decided we wanted to remove that from your portfolio for you.\n\nSo we had sent that record of advice out to note that we had removed that. You do now hold the beta shares a 200. So one of the the biggest differences between them is Bennelong was more of an actively managed fund. So the investment manager is meant to be buying and selling investments and trying to outperform against the market. And the Bennelong Australian equities normally holds between 15 to 25 different investment options within that fund there.\n\nThe BetaShares a 200 is giving you much greater diversification because you're tracking the top 200 companies on the ASX. So it's giving you greater diversification, helping to lower the overall risk, but it's also a passively managed fund. So it's tracking the top 200 companies. We're not investing in a an investment manager who's trying to pick and time the market and buy and sell the top and the bottom. So it helps to reduce your risk level a bit, and this investment has been performing greater.\n\nSo it has definitely had a really positive effect on your super this year. What I would like to do, though, is whilst retaining some of these, I would like to go back if you're comfortable with me doing so. Maybe just revalue reevaluate the investments that you're in. You are in much of an older portfolio, and it is good to definitely rebalance things back a little bit with, you know, with the way growth works. Some investments grow faster than others.\n\nSo I would like to go back. I've had a bit of a look. I can see some changes that we could definitely make to your portfolio. Just make sure things are working harder for you. We've got a few other options that we could switch out some of these investments, maybe reduce the cost of your portfolio, have some investments that might be working a bit harder for you and see how that tracks towards your retirement goals.\n\nAre you comfortable with me reevaluating things for you? Yeah. Beautiful. Fantastic. It just takes a couple of weeks to do the research there for you, Paul.\n\nSo I'll go back and have a look at the portfolio, look at what it's doing, how it's tracking, and then we can kinda go from there. One easy. One of the things I did kinda wanna look at was how how you would like to see your funds invested. So there are different ways to build build portfolios, and one of those is to have active managers in there. Did you want us to look at sort of portfolios where there can be some active investment managers who might be taking on a bit more risk to try and outperform against the market, or would you like a portfolio that's probably a bit more low cost that's still performing just as well?\n\nWhat would you sort of want me to focus on? Yeah. Absolutely fine. Low yeah. Yep.\n\nYeah. Absolutely. Fantastic. That's not a problem at all. I would definitely look at that for you, and I'll come back after we've done the research, and we'll go through that advice document together.\n\nOkay? Fantastic. Excellent. Now I can also see that your salary sacrificing at the moment, it looks like you're doing about $50 per week. Are you still salary sacrificing that?\n\nYep. And you're still comfortable? Excellent. Are you still comfortable keeping it that amount? Would you wanna look at increasing that, or you're sort of happy with it with all the changes you're going through in that childcare costs?\n\nYes. Yep. Yeah. Absolutely. Yeah.\n\nNo. That's not a problem at all. That's absolutely fine. I'll put that down as something we can focus on down the track there for you and just look to retain your current salary sacrifice. It's not a problem at all.\n\nExcellent. The next couple of documents in that email, if you keep scrolling across there, you've got the Vanguard index chart. This you've probably seen a couple of times in the past. It's more just a bit of a tool and a guide to show you how funds are invested there. It does sort of show you that markets go through ups and downs, and because you are still so young and have that twenty one years before accessing super.\n\nIt's about making sure that you're invested in a portfolio that can withstand the downtime knowing that we expect returns to be negative in some years, and we expect lower returns some years as well. And it's about making sure you're not wanting to access those funds within those downtime there. I will run through just a quick risk profile with you shortly, but you have time on your side to be able to withstand the ups and downs, go through the volatility before accessing your super, and not to get scared about the downtimes. Admittedly, it does happen. We are human.\n\nAnd if you are ever hearing anything in the market that is concerning you, please give us a call. Let us know. I'm more than happy to talk you through it. Okay? Excellent.\n\nThe next document attached is your Zurich certificate of currency, just giving you a little bit more detail on, obviously, the the insurances that you do hold there. And then we've also got the financial services guide attached. This has been updated most recently, so it runs you through everything about who we are, what we do, how we do it. It's also noting that our fee structure is going to change as of next year as well. So it doesn't affect you at the moment, but, essentially, moving forward, our fee structure will be more of a tiered fee structure.\n\nSo when your balance hits that $200,000 mark, it will then move into the next tier, and it means the tier drops a little bit. So at the moment, any balance is up to 200,000. So you do pay 1.65% for our ongoing service fee. When your balance is at $200,000 mark, you drop into the next tier down, and it drops to 1.375. So whenever your balance increases and you hit that tier's fee structure, it'll drop down a tier which is gonna work out better for yourself.\n\nThe other side of it is that it's gonna be yeah. The lower the fee structure. Yeah. That's exactly right. It's kind of a good thing to kinda build your sleeper up.\n\nThe other difference is that we're gonna do it as a set dollar figure fee. So we will work out based on your balance at the time of the review how much you're expected to pay for the ongoing service fee for that year. We do add a 5% for growth to the fee. So it does mean it will show you a set dollar figure fee, which means that you can expect to pay a certain amount for the year with the current fee structure. If you get a ten, fifteen, or 20% return there, that fee kinda goes up with that return.\n\nSo this will give you a lot more clarity around how much you're expected to pay for our services for the year, and it won't go over that set amount there for you. So it's about giving you more clarity on the service fee for that year, what's expected, and making sure that you obviously, as your super balance increases, that that you drop over to the next tier there as well. We're not increasing the amount we're charging in any way. It's just that we've had to change the tier structure a little bit because the cost of advice and everything in the back end has increased as well. So we're just making sure that it's still working for you guys, but also just giving you more clarity.\n\nAnd I personally like the set dollar figure because you know how much you're gonna pay us for that year, whereas the tiers whereas percentage based fee can fluctuate with the market. So it's more just a bit of a guide for you if that makes sense. Yeah. Excellent. So for this year, it is still with your balance under two 100,000 still, it is at 1.65%.\n\nSo no real major change to yourself for the year. But, obviously, next year, I'll be able to show you a bit more detail there. Okay? Excellent. We'd hope so.\n\nYeah. Yes. So, hopefully, next year, the balance will go up to that $200,000 mark, and then it will drop down to the next tier there for you. That'd be fabulous. Yeah.\n\nExcellent. Fantastic. So I just wanted to run through and update a few additional details there for you currently. Now we did sort of make mention what your mortgage is, which is great. The sorry.\n\nYour main primary residence, what's the rough valuation you put on that for the moment? Yep. Beautiful. And just a question with regard to that. When you take your big trip, are you planning on renting your house out for the time being, or what's the the plan for the house of the year?\n\nKeep and rent it out, and you'll be gone. So you're perfect. And it'll be about one year that you're you're you're shipping around for. Is that right, or is it expected to be longer? Yeah.\n\nFantastic. That'll be really, really great. I love that. Fantastic. I've got your car down here.\n\nI'm just sorry. I don't know what kind of car it is. It says rough valuation of 22,000 on the vehicle. What would you value your car at? 20 2,000?\n\nYep. Perfect. And what sort of vehicle is it? A Hilux. Yep.\n\nBeautiful. Hilux. Excellent. I've also got your caravan here with a value of 13,500. Would you change or alter that valuation at all?\n\nYeah. That's okay. And then you've also got an investment portfolio with a few different stocks. And the evaluation we had last year was 17,000. Has that increased a bit since then?\n\nThat 20,000? Fantastic. Are you putting money into that regularly as well or just letting it sit and do what it does? Yep. Beautiful.\n\nRight. Excellent. Fantastic. Excellent. And I've got your partner's car down here as well with a valuation of 20,000.\n\nWould you keep or alter that valuation? Yeah. That's okay. And what kind of car is that one? Tucson.\n\nBeautiful. Excellent. Is there any other assets like that's okay. Yeah. Yeah.\n\nAnything else you wanna note down at all? Yep. That's okay. Absolutely fine. And then, also, the other thing I like to sort of look at is the beneficiary side of things as well.\n\nSo I have I've got down here that you yourself and your partner, you've had a will and power of attorney join up in the past. Is that right? Yeah. It's all current and valid as per your circumstances. Yeah.\n\nYeah. No. That's okay. Excellent. Have have you considered or have you done, like, a guardianship that sort of states what happens to the children if and when you both were to pass away?\n\nAs part of it. Yeah. Beautiful. Excellent. Fantastic.\n\nAnd then I've also got your beneficiaries noted here for your life and your so far, a 100% is Charlotte in the event that something occurs to you. Was that correct and accurate per your circumstances? Yep. Beautiful. Excellent.\n\nLovely. The last thing to run through quickly is just your risk profile questionnaire just to make sure you are invested in the correct portfolio does help when I'm just going back to update the advice for you. The first question here is basically, you know, if you were to say for your super fall by 20% over the next one to two years, how do you think you might be feeling in that instance? Are you considering it an investment opportunity and wanting to put some money into the market? Are you maybe holding and waiting, just letting it go through the ups and downs and calling us to have a bit of a chat, or are you feeling concerned and wanting to sell the investments to cash?\n\nHow do you think you might react? If you saw this yeah. If you saw the super fall by, say, 20% over the next one to two years, how do you think you might be feeling? Yep. Yeah.\n\nRealistically, writing it out is the best way to go. I've sort of ticked their hold and wait and maybe call us and see what we suggest you do. Does that sound appropriate for the answer? Yeah. That's all good.\n\nIt is just the hold and wait. It is a hard thing to do, but staying invested throughout those downtimes is very important because you'd never know where the top of the bottom of the market is. The selling out means you've gotta find a point to buy in. And if you miss the top and the bottom of the market, you could be off by thousands of dollars, which compounding it, you know, a five or six percent return over the longer term can have a much larger effect. So it's about staying invested through those downtimes and remembering you can't access it for twenty years.\n\nSo you, you know, you you don't need to worry about stressing out about those moments. As hard as can definitely be, and I understand that. Yeah. The next one here is have you ever seen your super fall in value? If you have, again, how does it make you feel?\n\nAre you optimistic about the investment opportunities ahead? Are you cautious, concerned, or feeling anxious? How do you think you might feel? Mhmm. Yeah.\n\nYep. Yeah. Yep. Yep. Absolute that's okay.\n\nAbsolutely. Fantastic. And the last one here is when you think about the level of risk you're taking, are you comfortable taking on a higher level of risk to get greater potential returns knowing the downside is also reflective of that, or are you more comfortable taking on a moderate or medium amount of risk to get the best returns you can? Where would you fit in that scenario? Yep.\n\nYep. Yeah. Yep. Absolutely. Fantastic.\n\nAnd the last one I have here is just, have you ever considered borrowing to invest in shares or managed funds, or would you only ever wanna borrow for safe property? How do you see the risk around borrowing to invest? Yep. That's okay. Yeah.\n\nAnd you've got that trip that you're planning for as well, so understandable. No. That's okay. Beautiful. Now with where you have essentially scored that you have scored as a growth investor.\n\nSo that does say generally about 80% of your super invested in growth assets, so things like Australian and international shares, listed property and commodities like gold and silver, and then the other 20% in low risk defensive investments, so things like cash, bonds, and fixed interest. With the growth portfolio, when you consider, say, the risk out of a number between one and five, five being the highest level of risk and one being probably the lowest sitting all in cash, you're sitting at about a three. So you're kind of in that midway point there. For your age and stage, that growth portfolio generally suits quite nicely. We're kind of expecting or wanting to achieve about a seven to 9% return compounding forward over the next twenty years there, and the likelihood of a negative return is about one in every sort of five years.\n\nDo you feel like that's fairly comfortable for where you're sitting? Did you wanna keep that kind of environment? Yep. Beautiful. Fantastic.\n\nExcellent. Well, what I'll do, just to kinda recap, I'll go back and just reassess you, Steve, for the investments, look at rebalancing and maybe switching some things out, look at more of a low cost portfolio there for you, try to reduce fees where I possibly can, and look at what we can do for the advice. We'll update the statement of advice to reflect that, keeping contributions based on your current rate and retaining the $50 per week salary sacrifice there, not increasing down the track. We'll retain insurances as they are. You're happy with the life and TPD, not worrying about income protection.\n\nI'll send you an email shortly just to get the information from your EBA there. And with scoping at not factoring any any new insurances like trauma or child trauma currently. And then medium term goals down the track, we are also looking at, you know, your big holiday down the track, possibly increasing contributions after that time frame. And just sort of tracking forward, you're still hoping to access Super around about 60. Is that right for your goal still?\n\nYeah. That's that's a yes. So the age pension for eligible recipients is 67 currently. Yeah. But you can access super at 60.\n\nThe way I tend to work it out with a lot of my retiree clients is that we look at if they wanna access super at 60, what they need to live on, how we draw that between 60 to 67, And then from 67, depending on eligibility, you know, what age pension access do they get and how do we reduce the the withdrawal from 60 there. So it's definitely possible. It's not a problem. It's something it's your goal. We can look at it down the track to assist you in that area.\n\nOkay? Beautiful. Excellent. And I'll retain the growth environment there for you. Have I missed anything?\n\nIs there anything that you think I maybe not have touched on or any additional questions you have that you maybe wanted to bring up with me at all? Yeah. Mhmm. Yep. Yep.\n\nYeah. Well, I mean, putting it on the mortgage isn't a bad thing. Essentially, you're putting it onto your main primary residence. Money held within the loan gives you a guaranteed rate of return. You could definitely look to invest that in other areas if you wanted to, but one of the big things you kind of pulled out with me is that you wanna take this big trip as well.\n\nSo if you were to invest that money outside of Super, would you then be wanting to draw on that to a put back on the mortgage at a later time to reduce the interest payable, or would you be wanting to maybe draw that money out in the next in the next, what, two years to be able to take your big trip around the country? Do you think that that would need to be access yeah. So, realistically, I wouldn't wanna be investing anything that in the short term that you're gonna utilize within the next sort of three years. Investing should always be more of a longer term investment, so keeping on the mortgage for now isn't a bad thing. You've also now got childcare costs and your wife going back to work, and it could mean that your hours drop a little bit as well.\n\nSo shelter that money on your mortgage isn't a bad thing. It saves on interest for you. If you ever did wanna sort of talk more about what you can do, that's absolutely fine. But one of your goals is paying down your mortgage the biggest thing you have going. Is that something you wanted to really do front as a goal?\n\nYeah. Yeah. Yeah. Yeah. Absolutely.\n\nYeah. Correct. So, look, putting it on the mortgage is the right place for that money at the moment with everything you've got. Your main sort of medium term goal you've mentioned is to kind of pay the mortgage down as quickly as possible, but then also drawing on that money back when you need it to. So it's on the mortgage.\n\nIt's saving you interest for the shorter term, but then it's also accessible in the short term if you need it. The other side to that is if you invest the money in portfolios that side of Stupa, there are tax consequences that because you are getting growth in income, which needs to be included in your personal taxable income. So having it where it is at the moment, there's no ongoing tax consequences just for us sitting in your mortgage, and you're kinda sheltering that money as well. And saving on interest on the mortgage, which in my book with how much I pay on my home loan is not bad. Yeah.\n\nYeah. That's correct. That's correct. Yeah. Definitely.\n\nSo does that answer your question for the moment? Does that did you need any further clarity on that currently? Excellent. Beautiful. Well, look.\n\nThank you so much for your time today, Paul. It's been an absolute pleasure. If you can just sign and return the annual review pack when you've got a second there just so we can have everything on file updated, And I'll go back and just update the advice there for you, and we'll come back in a few weeks and wrap it together. How does that sound? Yep.\n\nYeah. That'd be fabulous if you're comfortable to do so. Yeah. Yep. Yep.\n\nWell, absolutely. Yeah. This takes a couple of weeks to do the research component around the side of things. And as soon as that is good to go, my team will book you back in, and we'll run through things together. You'll get the statement advice to look at.\n\nI'll run through the recommendations I'm making, and then you get to take it away and read it and decide whether you're happy to take those recommendations on or not. Okay. Easy. Beautiful. Thanks.\n\nYou're sorry? Yeah. I'm just doing up an email now to send to you just to request that so you've got my direct email there for you. Okay? Okay?\n\nBeautiful. Easy. Well, I hope you have a good day painting the fence. I hope you enjoy the rest of your day. Easy.\n\nThank you so much for your time, Paul. Easy. You have a great day. Thank you. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Paul.","start":6.48,"end":7.12,"sentiment":"neutral","sentiment_score":0.1639842540025711},{"text":"It's Dana from OQ Financial.","start":7.12,"end":8.9,"sentiment":"neutral","sentiment_score":0.25357428193092346},{"text":"How are you today?","start":8.96,"end":9.94,"sentiment":"neutral","sentiment_score":0.2597714774310589},{"text":"I'm very well.","start":11.599999,"end":12.48,"sentiment":"positive","sentiment_score":0.618189533551534},{"text":"Thank you.","start":12.48,"end":12.88,"sentiment":"positive","sentiment_score":0.6830689311027527}],"sentiment":"positive","sentiment_score":0.3659770181402564,"num_words":16,"start":6.48,"end":12.88},{"sentences":[{"text":"Thanks for asking.","start":12.88,"end":13.795,"sentiment":"positive","sentiment_score":0.6370373765627543},{"text":"I had you booked in to go to your annual review.","start":13.795,"end":15.795,"sentiment":"neutral","sentiment_score":0.25406255098906433},{"text":"Is now still a good time there for you?","start":15.795,"end":17.735,"sentiment":"neutral","sentiment_score":0.2168646603822708},{"text":"Yeah.","start":21.555,"end":21.955,"sentiment":"neutral","sentiment_score":0.09363900125026704},{"text":"That's okay.","start":21.955,"end":22.755001,"sentiment":"neutral","sentiment_score":0.10252591967582703}],"sentiment":"neutral","sentiment_score":0.2675489605619357,"num_words":26,"start":12.88,"end":22.755001},{"sentences":[{"text":"If now is not suited, I can always make a more appropriate time for you.","start":22.755001,"end":26.695,"sentiment":"neutral","sentiment_score":-0.07618710274497668},{"text":"That's that's okay.","start":28.675,"end":30.59,"sentiment":"neutral","sentiment_score":0.22593561808268228},{"text":"No worries.","start":30.59,"end":30.99,"sentiment":"neutral","sentiment_score":0.08701973035931587},{"text":"So you've had a busy day by the sounds of it.","start":30.99,"end":33.25,"sentiment":"neutral","sentiment_score":0.10936881466345354},{"text":"Yeah.","start":35.87,"end":36.11,"sentiment":"neutral","sentiment_score":0.08922894299030304}],"sentiment":"neutral","sentiment_score":0.03129142744001001,"num_words":32,"start":22.755001,"end":36.11},{"sentences":[{"text":"That's okay.","start":36.11,"end":36.91,"sentiment":"neutral","sentiment_score":0.1255592554807663},{"text":"Well, I'll try not to take up too much of your time there.","start":36.91,"end":39.489998,"sentiment":"neutral","sentiment_score":0.021915643834150754},{"text":"But just before we go through the call, just let you know we do record our calls for quality and training purposes.","start":39.629997,"end":44.125,"sentiment":"neutral","sentiment_score":0.10754157196391713},{"text":"Are you happy for me to proceed with that?","start":44.125,"end":46.225002,"sentiment":"neutral","sentiment_score":0.16321396165423924},{"text":"Fantastic.","start":47.965,"end":48.465,"sentiment":"positive","sentiment_score":0.6119173765182495}],"sentiment":"neutral","sentiment_score":0.10601658500889515,"num_words":47,"start":36.11,"end":48.465},{"sentences":[{"text":"And just to do a security check there for you as well, we are discussing your personal information.","start":48.605,"end":52.445,"sentiment":"neutral","sentiment_score":0.23852241535981497},{"text":"So I'll get you to confirm your full name, your date of birth, and address I should have on file.","start":52.445,"end":56.545,"sentiment":"neutral","sentiment_score":0.15945239663124083},{"text":"Yep.","start":59.86,"end":60.36,"sentiment":"neutral","sentiment_score":0.03295564651489258},{"text":"Yep.","start":65.22,"end":65.62,"sentiment":"neutral","sentiment_score":0.13549867272377014},{"text":"Beautiful.","start":65.62,"end":66.1,"sentiment":"positive","sentiment_score":0.4679519534111023}],"sentiment":"neutral","sentiment_score":0.1980209190671037,"num_words":41,"start":48.605,"end":66.1},{"sentences":[{"text":"Thank you so much for that.","start":66.1,"end":67.54,"sentiment":"positive","sentiment_score":0.5636146267255148},{"text":"Paul, we do normally also send through your annual review documents as well for you to review as we are going through them.","start":67.54,"end":72.855,"sentiment":"neutral","sentiment_score":0.22013512253761292},{"text":"Are you able to access your emails there at the moment?","start":72.855,"end":75.515,"sentiment":"neutral","sentiment_score":0.06877081163904884},{"text":"Oh, that's that's absolutely fine.","start":79.335,"end":82.455,"sentiment":"neutral","sentiment_score":0.20284418910741805},{"text":"I'm just sending the email to you now.","start":82.455,"end":84.635,"sentiment":"neutral","sentiment_score":0.18898273073136806}],"sentiment":"neutral","sentiment_score":0.2212708924176558,"num_words":53,"start":66.1,"end":84.635},{"sentences":[{"text":"Just confirming your email address should be solas_89@hotmail.com.","start":84.96,"end":89.840004,"sentiment":"neutral","sentiment_score":0.14017398469150066},{"text":"No changes to that at all?","start":89.840004,"end":91.46,"sentiment":"neutral","sentiment_score":0.055512912571430206},{"text":"Yep.","start":93.12,"end":93.62,"sentiment":"neutral","sentiment_score":0.1917221248149872},{"text":"Excellent.","start":93.92,"end":94.42,"sentiment":"positive","sentiment_score":0.4388835430145264},{"text":"All good.","start":96.72,"end":97.215,"sentiment":"positive","sentiment_score":0.339849054813385}],"sentiment":"neutral","sentiment_score":0.15359850724538168,"num_words":18,"start":84.96,"end":97.215},{"sentences":[{"text":"Yeah.","start":98.494995,"end":98.895,"sentiment":"neutral","sentiment_score":0.1852269172668457},{"text":"You're right, honestly.","start":98.895,"end":99.954994,"sentiment":"neutral","sentiment_score":0.2352617084980011},{"text":"Not a problem at all.","start":100.015,"end":101.634995,"sentiment":"neutral","sentiment_score":0.27765525579452516},{"text":"You said you had a very busy morning.","start":101.774994,"end":103.634995,"sentiment":"neutral","sentiment_score":-0.02037165150977671},{"text":"Been a busy week for you as well?","start":103.695,"end":105.55499,"sentiment":"neutral","sentiment_score":-0.005240517435595393}],"sentiment":"neutral","sentiment_score":0.08297563880681992,"num_words":25,"start":98.494995,"end":105.55499},{"sentences":[{"text":"Oh, wow.","start":115.39,"end":116.61,"sentiment":"neutral","sentiment_score":0.027568695601075888},{"text":"Yeah.","start":118.19,"end":118.69,"sentiment":"neutral","sentiment_score":0.059842709451913834},{"text":"You you've been doing it all.","start":119.15,"end":120.93,"sentiment":"neutral","sentiment_score":0.06116728919247786},{"text":"No.","start":122.990005,"end":123.490005,"sentiment":"neutral","sentiment_score":-0.02401776984333992},{"text":"Yeah.","start":125.595,"end":126.095,"sentiment":"neutral","sentiment_score":-0.0009173331782221794}],"sentiment":"neutral","sentiment_score":0.04154988479885188,"num_words":11,"start":115.39,"end":126.095},{"sentences":[{"text":"Oh, yeah.","start":128.155,"end":129.835,"sentiment":"neutral","sentiment_score":0.04153798520565033},{"text":"That's okay.","start":129.835,"end":130.55501,"sentiment":"neutral","sentiment_score":0.07111489400267601},{"text":"Well, I'll try not to keep up too much of your precious time, and I don't wanna get you get you in trouble for not finishing the fence at all.","start":130.55501,"end":136.735,"sentiment":"neutral","sentiment_score":-0.1311925433576107},{"text":"Yeah.","start":142.1,"end":142.5,"sentiment":"neutral","sentiment_score":0.007515298202633858},{"text":"No.","start":142.5,"end":142.90001,"sentiment":"neutral","sentiment_score":-0.030979325994849205}],"sentiment":"neutral","sentiment_score":-0.10372040472510788,"num_words":36,"start":128.155,"end":142.90001},{"sentences":[{"text":"All good.","start":142.90001,"end":143.64,"sentiment":"neutral","sentiment_score":0.014194270595908165},{"text":"Yeah.","start":146.34,"end":146.84,"sentiment":"neutral","sentiment_score":-0.01195797324180603},{"text":"Yep.","start":154.435,"end":154.75499,"sentiment":"neutral","sentiment_score":0.07959945499897003},{"text":"That's the one.","start":154.75499,"end":155.47499,"sentiment":"neutral","sentiment_score":0.11348004639148712},{"text":"Yeah.","start":155.47499,"end":155.95499,"sentiment":"neutral","sentiment_score":0.1397564709186554}],"sentiment":"neutral","sentiment_score":0.07202832913026214,"num_words":8,"start":142.90001,"end":155.95499},{"sentences":[{"text":"Perfect.","start":155.95499,"end":156.45499,"sentiment":"positive","sentiment_score":0.475103497505188},{"text":"Fantastic.","start":156.83499,"end":157.33499,"sentiment":"positive","sentiment_score":0.4262350797653198},{"text":"So just kind of yeah.","start":158.515,"end":164.11499,"sentiment":"neutral","sentiment_score":-0.013600296154618264},{"text":"Yeah.","start":164.11499,"end":164.435,"sentiment":"neutral","sentiment_score":0.07009655237197876},{"text":"Absolutely.","start":164.435,"end":164.935,"sentiment":"neutral","sentiment_score":0.15123999118804932}],"sentiment":"neutral","sentiment_score":0.11718596000638273,"num_words":9,"start":155.95499,"end":164.935},{"sentences":[{"text":"And that's kinda what we wanna do today is sort of go through everything with you, look at your goals, look at what we're tracking.","start":165.155,"end":170.89,"sentiment":"neutral","sentiment_score":0.16402673363685608},{"text":"I have had a bit of a look at your portfolio prior to, you know, doing the review with you today.","start":171.34999,"end":176.87,"sentiment":"neutral","sentiment_score":0.10437364450522832},{"text":"So there's definitely some things that we might be able to look at to sort of update the advice for you as well.","start":176.87,"end":181.61,"sentiment":"neutral","sentiment_score":0.11947174726620964},{"text":"Okay?","start":181.875,"end":182.375,"sentiment":"neutral","sentiment_score":0.16328777372837067},{"text":"Easy.","start":183.31499,"end":183.81499,"sentiment":"positive","sentiment_score":0.34852921962738037}],"sentiment":"neutral","sentiment_score":0.13453777543675732,"num_words":71,"start":165.155,"end":183.81499},{"sentences":[{"text":"No worries.","start":184.275,"end":184.915,"sentiment":"neutral","sentiment_score":0.16784679144620895},{"text":"Now when you're looking at those documents, the first one you should see is a summary of superannuation and insurances.","start":184.915,"end":189.81499,"sentiment":"neutral","sentiment_score":0.09400517642498016},{"text":"Are you able to see that document there at all?","start":189.95499,"end":192.375,"sentiment":"neutral","sentiment_score":0.07224409729242325},{"text":"Yes.","start":196.59001,"end":196.83,"sentiment":"neutral","sentiment_score":0.1971595585346222},{"text":"So click on that one.","start":196.83,"end":197.87001,"sentiment":"neutral","sentiment_score":0.150491401553154}],"sentiment":"neutral","sentiment_score":0.10231196448991173,"num_words":38,"start":184.275,"end":197.87001},{"sentences":[{"text":"It'll allow you to go through so you can view the documents.","start":197.87001,"end":200.43001,"sentiment":"neutral","sentiment_score":0.13849044280747572},{"text":"It will never ask you to sign anything you haven't read, and we'll go through those prior to you deciding whether you're happy to sign them.","start":200.43001,"end":206.53,"sentiment":"neutral","sentiment_score":0.09577660205272528},{"text":"Yep.","start":208.19,"end":208.51001,"sentiment":"neutral","sentiment_score":0.06290168315172195},{"text":"Yep.","start":208.51001,"end":208.91,"sentiment":"neutral","sentiment_score":0.06427247077226639},{"text":"And for it'll take you through.","start":208.91,"end":210.845,"sentiment":"neutral","sentiment_score":0.12357860555251439}],"sentiment":"neutral","sentiment_score":0.10914614683260089,"num_words":46,"start":197.87001,"end":210.845},{"sentences":[{"text":"Yeah.","start":210.905,"end":211.405,"sentiment":"neutral","sentiment_score":0.19822101294994351},{"text":"Fantastic.","start":216.505,"end":217.005,"sentiment":"positive","sentiment_score":0.7988436222076416},{"text":"Yep.","start":222.505,"end":222.905,"sentiment":"neutral","sentiment_score":0.08501898497343063},{"text":"Yep.","start":222.905,"end":223.385,"sentiment":"neutral","sentiment_score":0.0744035467505455},{"text":"So, yeah, and you've got your net worth balance there.","start":223.385,"end":226.91,"sentiment":"neutral","sentiment_score":0.1255021035671234}],"sentiment":"neutral","sentiment_score":0.17225058589662826,"num_words":14,"start":210.905,"end":226.91},{"sentences":[{"text":"So when I have a look back last year at this time, your super balance was sitting at, sorry, a $158,812.41.","start":226.91,"end":236.19,"sentiment":"neutral","sentiment_score":0.08960754034065065},{"text":"So your super balance is now sitting at a $181,002.71 and 60¢, sir.","start":236.19,"end":241.66501,"sentiment":"neutral","sentiment_score":0.22508942149579525},{"text":"So when we look at the returns and the markets over the past sort of twelve months there, net of fees, you've made a 5.01% return.","start":241.66501,"end":250.405,"sentiment":"neutral","sentiment_score":0.24978063083612},{"text":"So it isn't a bad return at all.","start":250.46501,"end":252.45,"sentiment":"neutral","sentiment_score":0.29505402222275734},{"text":"Obviously, markets have been a bit up and down this year, so the returns are expected to have some used to be lower than where you'd like them to be or where you'd sort of expect them to be.","start":252.84999,"end":261.27,"sentiment":"neutral","sentiment_score":-0.06904955662022798}],"sentiment":"neutral","sentiment_score":0.10136440826825938,"num_words":107,"start":226.91,"end":261.27},{"sentences":[{"text":"But to still have growth in your super is a good thing, and it's about compounding that long term.","start":261.57,"end":267.19,"sentiment":"positive","sentiment_score":0.5572415268734882},{"text":"Yeah.","start":267.775,"end":268.275,"sentiment":"neutral","sentiment_score":0.05774492025375366},{"text":"So the growth the growth as a dollar figure for that past twelve months, the income plus the growth there is a bit over $8,404, so the rest that would have been contributions.","start":274.735,"end":284.39,"sentiment":"neutral","sentiment_score":0.14209030049316812},{"text":"Yeah.","start":286.77,"end":287.25,"sentiment":"neutral","sentiment_score":0.04015857353806496},{"text":"Yeah.","start":287.25,"end":287.57,"sentiment":"neutral","sentiment_score":0.00675571896135807}],"sentiment":"neutral","sentiment_score":0.2796586934477091,"num_words":55,"start":261.57,"end":287.57},{"sentences":[{"text":"So as I said, it's a bit lower.","start":287.57,"end":288.93,"sentiment":"neutral","sentiment_score":-0.11546805035322905},{"text":"It's you know, one of the things this year is that the markets have been a bit volatile.","start":288.93,"end":292.37,"sentiment":"neutral","sentiment_score":-0.18199743992752498},{"text":"We have seen a lot of ups and downs with what's been going on globally there, but it is still good to come out with a positive return on top of that, and we just wanna keep compounding that forward.","start":292.37,"end":301.44498,"sentiment":"positive","sentiment_score":0.3947233246639371},{"text":"So we do know some years are gonna get a really great, lovely return, maybe twelve, fifteen, or 20%.","start":301.44498,"end":306.645,"sentiment":"positive","sentiment_score":0.40470156857841894},{"text":"Other years, it might only be two, three, or 5%.","start":306.645,"end":309.285,"sentiment":"neutral","sentiment_score":0.05134942727163434}],"sentiment":"neutral","sentiment_score":0.20833746042886847,"num_words":95,"start":287.57,"end":309.285},{"sentences":[{"text":"It's about working through those times and continue to contribute regardless of what the market does do because you've still got twenty one years before you can access super.","start":309.285,"end":318.39,"sentiment":"neutral","sentiment_score":0.144415697018648},{"text":"So, you know, you're still at the start at this point and have a lot more growth ahead of you there.","start":318.39,"end":323.03,"sentiment":"neutral","sentiment_score":0.23982190234320505},{"text":"Okay?","start":323.03,"end":323.53,"sentiment":"neutral","sentiment_score":0.13949492573738098},{"text":"Excellent.","start":324.79,"end":325.29,"sentiment":"positive","sentiment_score":0.5062234997749329},{"text":"The other thing you can sort of see on that document there is your insurances.","start":326.495,"end":330.115,"sentiment":"neutral","sentiment_score":0.058024629950523376}],"sentiment":"neutral","sentiment_score":0.16030452294803377,"num_words":67,"start":309.285,"end":330.115},{"sentences":[{"text":"So you've got your life and TPD there.","start":330.495,"end":333.375,"sentiment":"neutral","sentiment_score":0.035867019556462765},{"text":"Now you did mention to me that when you spoke to my colleague, Kyle, last year, you did go through those insurances in quite a bit of detail.","start":333.375,"end":339.955,"sentiment":"neutral","sentiment_score":0.007005087432584592},{"text":"If you think about the the insurances and how, you know, they could affect you and whether they will cover what you want them to, it's about sort of looking at what they would cover if something was to happen to you.","start":340.82,"end":351.54,"sentiment":"neutral","sentiment_score":-0.027161753736436367},{"text":"So with life cover, if you were to pass away today, obviously, we hope nothing does happen.","start":351.54,"end":357.975,"sentiment":"neutral","sentiment_score":-0.09363346634542241},{"text":"But if you sort of look at this hypothetically, you've got 976,373 of life cover, and then you've also got a 181,000 in super on top of that.","start":357.975,"end":368.615,"sentiment":"neutral","sentiment_score":0.012237913440912962}],"sentiment":"neutral","sentiment_score":-0.01550262116986077,"num_words":123,"start":330.495,"end":368.615},{"sentences":[{"text":"So it's a bit over $1,000,000 thereof cover, bit over one point 1,000,000 of cover there.","start":368.615,"end":374.2,"sentiment":"neutral","sentiment_score":-0.0035383146605454385},{"text":"What is it that you would want to have paid at?","start":374.66,"end":376.74,"sentiment":"neutral","sentiment_score":-0.06043380058624528},{"text":"Where would you want that paid to?","start":376.74,"end":378.52,"sentiment":"neutral","sentiment_score":-0.07460672408342361},{"text":"Yep.","start":383.86,"end":384.255,"sentiment":"neutral","sentiment_score":0.08072452247142792},{"text":"Yep.","start":385.295,"end":385.615,"sentiment":"neutral","sentiment_score":0.15174931287765503}],"sentiment":"neutral","sentiment_score":-0.028087724284786317,"num_words":36,"start":368.615,"end":385.615},{"sentences":[{"text":"Beautiful.","start":385.615,"end":386.115,"sentiment":"positive","sentiment_score":0.4764331579208374},{"text":"And you would want her to maybe cover the mortgage completely?","start":386.17502,"end":389.39502,"sentiment":"neutral","sentiment_score":-0.005965922366489063},{"text":"Absolutely.","start":395.135,"end":395.635,"sentiment":"neutral","sentiment_score":0.14886963367462158},{"text":"Yeah.","start":397.38,"end":397.62003,"sentiment":"neutral","sentiment_score":-0.006363134831190109},{"text":"Well, I mean, the mortgage I had noted here was about 330,000.","start":397.62003,"end":401.94,"sentiment":"neutral","sentiment_score":0.005717406728460143}],"sentiment":"neutral","sentiment_score":0.023920130441323496,"num_words":26,"start":385.615,"end":401.94},{"sentences":[{"text":"Is that roughly correct, or have you been able to reduce that a bit since then?","start":401.94,"end":405.72,"sentiment":"neutral","sentiment_score":-0.02105911704711616},{"text":"3 100 and 10,000.","start":411.86002,"end":413.405,"sentiment":"neutral","sentiment_score":-0.010559097863733768},{"text":"Yep.","start":413.86502,"end":414.36502,"sentiment":"neutral","sentiment_score":-0.003723690984770656},{"text":"Okay.","start":418.185,"end":418.685,"sentiment":"neutral","sentiment_score":0.003032119944691658},{"text":"Yeah.","start":420.025,"end":420.42502,"sentiment":"positive","sentiment_score":0.3536147475242615}],"sentiment":"neutral","sentiment_score":-0.001141699466287442,"num_words":23,"start":401.94,"end":420.42502},{"sentences":[{"text":"Beautiful.","start":420.42502,"end":420.92502,"sentiment":"positive","sentiment_score":0.6359338164329529},{"text":"So, like, if we looked at the amount of cover, essentially, you're looking at, you know, almost $1,200,000 in cover there.","start":420.98502,"end":427.565,"sentiment":"neutral","sentiment_score":0.13872224766583668},{"text":"If you then subtracted the 310,000 for the mortgage, obviously, adding a 100 and how much did you say was in the offset account?","start":427.86,"end":436.04,"sentiment":"neutral","sentiment_score":0.07372987130656838},{"text":"$2.15.","start":438.97998,"end":439.8,"sentiment":"neutral","sentiment_score":0.01664574258029461},{"text":"And is that three 100,000?","start":439.86,"end":444.315,"sentiment":"neutral","sentiment_score":-0.0010429639369249344}],"sentiment":"neutral","sentiment_score":0.1025009394551699,"num_words":52,"start":420.42502,"end":444.315},{"sentences":[{"text":"Yeah.","start":444.315,"end":444.475,"sentiment":"neutral","sentiment_score":0.016710933297872543},{"text":"That's my next question.","start":444.475,"end":445.51498,"sentiment":"neutral","sentiment_score":0.011682282667607069},{"text":"Was that is that offset reduction for or deducted from the amount you just gave me?","start":445.51498,"end":449.755,"sentiment":"neutral","sentiment_score":0.0229448564350605},{"text":"Absolutely.","start":449.755,"end":450.255,"sentiment":"neutral","sentiment_score":0.13942137360572815},{"text":"So, realistically, it would leave her after covering the mortgage a little over still you know, realistically, a little over a million dollars of cover there.","start":451.675,"end":461.37003,"sentiment":"neutral","sentiment_score":0.025079862393725377}],"sentiment":"neutral","sentiment_score":0.02545949089108035,"num_words":48,"start":444.315,"end":461.37003},{"sentences":[{"text":"Yeah.","start":461.37003,"end":461.87003,"sentiment":"neutral","sentiment_score":0.02193356305360794},{"text":"Your income, you're on about a 130,000.","start":462.65002,"end":465.61002,"sentiment":"neutral","sentiment_score":0.0032844821523342815},{"text":"Is that right, income wise?","start":465.61002,"end":467.63,"sentiment":"neutral","sentiment_score":0.0164993641898036},{"text":"Yeah.","start":470.775,"end":471.275,"sentiment":"neutral","sentiment_score":-0.14378181099891665},{"text":"Yep.","start":475.975,"end":476.475,"sentiment":"neutral","sentiment_score":-0.06355070322751999}],"sentiment":"neutral","sentiment_score":-0.0053273836771647156,"num_words":15,"start":461.37003,"end":476.475},{"sentences":[{"text":"Yep.","start":491.80002,"end":492.30002,"sentiment":"neutral","sentiment_score":-0.0621022991836071},{"text":"Yeah.","start":494.6,"end":495.0,"sentiment":"neutral","sentiment_score":-0.13319608569145203},{"text":"That's okay.","start":495.0,"end":495.82,"sentiment":"neutral","sentiment_score":-0.11064059287309647},{"text":"Overtime.","start":496.17502,"end":496.67502,"sentiment":"neutral","sentiment_score":-0.08591683954000473},{"text":"And you do say a bit of overtime every week or month?","start":496.73502,"end":499.55502,"sentiment":"neutral","sentiment_score":-0.052329481579363346}],"sentiment":"neutral","sentiment_score":-0.06649706994785982,"num_words":17,"start":491.80002,"end":499.55502},{"sentences":[{"text":"Or yeah.","start":500.095,"end":503.635,"sentiment":"neutral","sentiment_score":-0.017718253657221794},{"text":"Mhmm.","start":505.135,"end":505.635,"sentiment":"neutral","sentiment_score":-0.018160924315452576},{"text":"Yeah.","start":513.15,"end":513.65,"sentiment":"neutral","sentiment_score":0.006796861998736858},{"text":"Yep.","start":514.35,"end":514.85,"sentiment":"neutral","sentiment_score":0.011630726978182793},{"text":"Yeah.","start":516.51,"end":517.01,"sentiment":"neutral","sentiment_score":0.061067841947078705}],"sentiment":"neutral","sentiment_score":0.004316333215683699,"num_words":6,"start":500.095,"end":517.01},{"sentences":[{"text":"Absolutely.","start":518.27,"end":518.77,"sentiment":"neutral","sentiment_score":0.32854241132736206},{"text":"Yeah.","start":520.19,"end":520.51,"sentiment":"neutral","sentiment_score":0.1400178074836731},{"text":"No.","start":520.51,"end":520.75,"sentiment":"neutral","sentiment_score":0.13091470301151276},{"text":"Absolutely.","start":520.75,"end":521.25,"sentiment":"neutral","sentiment_score":0.2663435637950897},{"text":"Fantastic.","start":521.55,"end":522.05,"sentiment":"positive","sentiment_score":0.6434720158576965}],"sentiment":"neutral","sentiment_score":0.3018581002950668,"num_words":5,"start":518.27,"end":522.05},{"sentences":[{"text":"So if yeah.","start":522.35,"end":528.22504,"sentiment":"neutral","sentiment_score":0.15326103568077087},{"text":"No.","start":528.445,"end":528.84503,"sentiment":"neutral","sentiment_score":0.05800766125321388},{"text":"Perfect.","start":528.84503,"end":529.34503,"sentiment":"positive","sentiment_score":0.41193094849586487},{"text":"So if we sort of looked at that and just based it on, say, 130,000, but with your life cover and your super being paid out covering the mortgage and then, you know, thinking about income replacement, it would give her based on a 130,000 about eight years of income replacement there.","start":529.485,"end":545.21,"sentiment":"neutral","sentiment_score":0.10784098857010786},{"text":"If in the event that you would have passed away, they could technically live on less money.","start":545.43,"end":549.27,"sentiment":"neutral","sentiment_score":-0.027713985127561232}],"sentiment":"neutral","sentiment_score":0.08197723480092513,"num_words":74,"start":522.35,"end":549.27},{"sentences":[{"text":"That would obviously improve how long those funds do last for.","start":549.27,"end":552.63,"sentiment":"neutral","sentiment_score":0.22698394412344153},{"text":"But do you feel that's fairly appropriate for where you are with the income replacement that covering the mortgage?","start":552.63,"end":558.25494,"sentiment":"neutral","sentiment_score":0.0473243374573557},{"text":"Yeah.","start":558.63495,"end":559.13495,"sentiment":"neutral","sentiment_score":0.02345164492726326},{"text":"Yeah.","start":571.58997,"end":571.99,"sentiment":"neutral","sentiment_score":-0.013335234485566616},{"text":"That's it.","start":571.99,"end":572.73,"sentiment":"neutral","sentiment_score":-0.03321646712720394}],"sentiment":"neutral","sentiment_score":0.09822556685985011,"num_words":34,"start":549.27,"end":572.73},{"sentences":[{"text":"Yep.","start":573.67,"end":573.99,"sentiment":"neutral","sentiment_score":0.008884899318218231},{"text":"No.","start":573.99,"end":574.23,"sentiment":"neutral","sentiment_score":-0.04653044790029526},{"text":"That's okay.","start":574.23,"end":574.79,"sentiment":"neutral","sentiment_score":0.003972338046878576},{"text":"Well, these insurances are indexed on a regular basis, so they do increase over time.","start":574.79,"end":579.37,"sentiment":"neutral","sentiment_score":-0.025242436677217484},{"text":"They also will get more and more expensive, which have can have an effect on your retirement figure there as well.","start":579.78503,"end":584.98505,"sentiment":"neutral","sentiment_score":-0.09919663359011922}],"sentiment":"neutral","sentiment_score":-0.06228666820097715,"num_words":40,"start":573.67,"end":584.98505},{"sentences":[{"text":"So if you ever do feel like you're over insured that you wanna kinda reduce the insurances back, we can definitely do so.","start":584.98505,"end":591.75,"sentiment":"neutral","sentiment_score":0.020539764152920765},{"text":"And reducing them back is the easy part.","start":592.15,"end":594.23,"sentiment":"neutral","sentiment_score":0.16135600674897432},{"text":"It's kinda getting them back up if you decide you need to increase the cover back again, which can be a little bit difficult.","start":594.23,"end":599.85,"sentiment":"neutral","sentiment_score":-0.02800081530585885},{"text":"It's, you know, not not not a hard process to go through, but if you reduce it back, it's as simple as, you know, signing a form to say this is what I wanna reduce my cover to.","start":600.55,"end":609.875,"sentiment":"neutral","sentiment_score":0.09316884755696121},{"text":"Whereas increasing it back, you do have to reapply for the increase, which means going through underwriting again, reassessing your health, and things like that.","start":609.875,"end":618.355,"sentiment":"neutral","sentiment_score":-0.06486909985542297}],"sentiment":"neutral","sentiment_score":0.025507896380909417,"num_words":118,"start":584.98505,"end":618.355},{"sentences":[{"text":"So we generally sort of say, yeah, we generally sort of say that if you've reduced your mortgage down to fairly minimum and, you know, your income's good and you've got things that you can, you know, cover or offset yourself with, then we could look to reduce it back.","start":618.355,"end":632.5,"sentiment":"neutral","sentiment_score":0.07689766734838485},{"text":"But, normally, you're a little bit older with having small kids at home.","start":632.5,"end":636.395,"sentiment":"neutral","sentiment_score":-0.014630849544818584},{"text":"If something was to happen to you, having a good amount of cover is not a bad thing.","start":636.395,"end":640.73505,"sentiment":"neutral","sentiment_score":0.14994222091303933},{"text":"Believe it or not, most people don't have enough cover.","start":640.79504,"end":643.91504,"sentiment":"neutral","sentiment_score":-0.06242552734911442},{"text":"About 70% of the population is technically underinsured or doesn't have any cover at all.","start":643.91504,"end":649.51,"sentiment":"neutral","sentiment_score":-0.030644359439611434}],"sentiment":"neutral","sentiment_score":0.04971435504420748,"num_words":106,"start":618.355,"end":649.51},{"sentences":[{"text":"So you put yourself in a good position to make sure that your family are covered in the event that something happens to you.","start":649.51,"end":655.77,"sentiment":"neutral","sentiment_score":0.22970529894034067},{"text":"Yeah.","start":656.07,"end":656.57,"sentiment":"neutral","sentiment_score":0.1072135716676712},{"text":"Yep.","start":658.39,"end":658.89,"sentiment":"neutral","sentiment_score":0.04071353003382683},{"text":"Yeah.","start":661.27,"end":661.77,"sentiment":"neutral","sentiment_score":-0.0034486674703657627},{"text":"To assess.","start":662.345,"end":663.485,"sentiment":"neutral","sentiment_score":-0.022486142814159393}],"sentiment":"neutral","sentiment_score":0.19353218355762034,"num_words":29,"start":649.51,"end":663.485},{"sentences":[{"text":"Yep.","start":663.94495,"end":664.44495,"sentiment":"neutral","sentiment_score":-0.023577354848384857},{"text":"Yep.","start":672.425,"end":672.82495,"sentiment":"neutral","sentiment_score":-0.03120347671210766},{"text":"Absolutely.","start":672.82495,"end":673.32495,"sentiment":"neutral","sentiment_score":-0.0332588367164135},{"text":"Yeah.","start":677.56,"end":678.06,"sentiment":"neutral","sentiment_score":0.05599462985992432},{"text":"Absolutely.","start":678.2,"end":678.7,"sentiment":"neutral","sentiment_score":0.2282366454601288}],"sentiment":"neutral","sentiment_score":0.03923832140862942,"num_words":5,"start":663.94495,"end":678.7},{"sentences":[{"text":"Fantastic.","start":680.27997,"end":680.77997,"sentiment":"positive","sentiment_score":0.4114847779273987},{"text":"And that'll be in 2028.","start":680.83997,"end":682.36,"sentiment":"neutral","sentiment_score":0.17093088924884797},{"text":"Is that sort of from January, the the calendar year for 2028?","start":682.36,"end":686.51996,"sentiment":"neutral","sentiment_score":0.06820246422042449},{"text":"Or yes.","start":686.51996,"end":690.015,"sentiment":"neutral","sentiment_score":0.06722108088433743},{"text":"Yep.","start":690.015,"end":690.41504,"sentiment":"neutral","sentiment_score":0.1811618208885193}],"sentiment":"neutral","sentiment_score":0.11429394178447269,"num_words":21,"start":680.27997,"end":690.41504},{"sentences":[{"text":"Beautiful.","start":690.41504,"end":690.91504,"sentiment":"positive","sentiment_score":0.6509720087051392},{"text":"Fantastic.","start":691.135,"end":691.635,"sentiment":"positive","sentiment_score":0.703477144241333},{"text":"Excellent.","start":692.015,"end":692.515,"sentiment":"positive","sentiment_score":0.6676643490791321},{"text":"Now you've also got your TBD cover there.","start":693.135,"end":695.375,"sentiment":"neutral","sentiment_score":0.14667116198688745},{"text":"Do you understand how total permanent disability works or any information around TBD cover?","start":695.375,"end":701.8,"sentiment":"neutral","sentiment_score":0.01215932531548398}],"sentiment":"neutral","sentiment_score":0.13462853409349917,"num_words":25,"start":690.41504,"end":701.8},{"sentences":[{"text":"Sorry.","start":701.8,"end":702.3,"sentiment":"neutral","sentiment_score":-0.17952480912208557},{"text":"Yeah.","start":712.52,"end":712.845,"sentiment":"neutral","sentiment_score":-0.030185498297214508},{"text":"Yeah.","start":715.725,"end":716.225,"sentiment":"neutral","sentiment_score":-0.04082873836159706},{"text":"So if you're never able to go back to work again for any occupation for which you're educated, claimed, or have worked in the past, so, TPD, you've got the same level of TPD there.","start":716.285,"end":725.90497,"sentiment":"neutral","sentiment_score":0.009477774266685758},{"text":"If you were to claim on total permanent disability, we can also, under, the permanent incapacity release, try to access your super as well.","start":726.26,"end":734.36,"sentiment":"neutral","sentiment_score":0.03949222570129981}],"sentiment":"neutral","sentiment_score":0.0165967172642629,"num_words":62,"start":701.8,"end":734.36},{"sentences":[{"text":"So there is a chance that you could get access to both of that.","start":734.82,"end":737.88,"sentiment":"neutral","sentiment_score":0.0889664672847305},{"text":"The only sort of thing I do like to clarify for people is to make sure you're aware that if you do claim on TBD, if you are under the age of 60, unfortunately, TBD is actually taxed.","start":738.195,"end":749.315,"sentiment":"neutral","sentiment_score":-0.024695405491480703},{"text":"So if you were to claim TBD and get a full access to the funds, withdraw the whole amount out of the lump sum, you are taxed on that.","start":749.315,"end":756.38,"sentiment":"neutral","sentiment_score":-0.02651645744155193},{"text":"It's up to 22 percent.","start":756.38,"end":757.98,"sentiment":"neutral","sentiment_score":0.011955186957493424},{"text":"It could be a lesser taxation amount, but it is up to 22% if you're under the age of 60.","start":757.98,"end":763.28,"sentiment":"neutral","sentiment_score":-0.026625322178006172}],"sentiment":"neutral","sentiment_score":-0.008817006049695302,"num_words":106,"start":734.82,"end":763.28},{"sentences":[{"text":"So I just like to make sure everyone's aware of that.","start":763.34,"end":766.4,"sentiment":"neutral","sentiment_score":0.042884902520613236},{"text":"The way we sort of work things as advisers is if you are claiming on TDD, we'll assist you with the claim, but then we'll also provide advice on how we can maybe keep the funds invested for as long as possible, drawing out smaller amounts to keep it going and working as long as possible for you as well and also to help sort of minimize the taxation consequences.","start":766.695,"end":785.41003,"sentiment":"neutral","sentiment_score":0.1978886418044567},{"text":"So I think it's personally, I don't like the fact that it is taxed, but it is something to make sure you are aware.","start":785.71,"end":791.89,"sentiment":"neutral","sentiment_score":-0.19961096129069725},{"text":"Some people do like to factor into the tax and gross up the amount a little bit, but you do have a good amount here.","start":792.445,"end":797.885,"sentiment":"neutral","sentiment_score":0.0673979702591896},{"text":"So even with taking the taxation consequences into play, you could still pay out the mortgage and have an additional buffer left over, and we would definitely help to minimize those tax consequences if in the event of the claim was to come up for you.","start":797.885,"end":812.89,"sentiment":"neutral","sentiment_score":0.24788844083314357}],"sentiment":"neutral","sentiment_score":0.12852893930605866,"num_words":176,"start":763.34,"end":812.89},{"sentences":[{"text":"Okay?","start":812.89,"end":813.39,"sentiment":"neutral","sentiment_score":0.1122574657201767},{"text":"Yep.","start":814.81,"end":815.31,"sentiment":"neutral","sentiment_score":0.2980634570121765},{"text":"Easy.","start":815.69,"end":816.19,"sentiment":"positive","sentiment_score":0.4114869236946106},{"text":"All good.","start":816.25,"end":816.99,"sentiment":"positive","sentiment_score":0.6146884560585022},{"text":"Perfect.","start":817.29,"end":817.77,"sentiment":"positive","sentiment_score":0.592923641204834}],"sentiment":"positive","sentiment_score":0.440684733291467,"num_words":6,"start":812.89,"end":817.77},{"sentences":[{"text":"Now you don't have any sort of income protection or other personal insurances like trauma.","start":817.77,"end":822.195,"sentiment":"neutral","sentiment_score":-0.04600761644542217},{"text":"Has anyone ever gone through those types of cover with you, explained what they are, or asked about them?","start":822.195,"end":827.635,"sentiment":"neutral","sentiment_score":-0.015978231928066203},{"text":"Sure.","start":827.635,"end":828.135,"sentiment":"neutral","sentiment_score":0.02068302407860756},{"text":"Okay.","start":830.99506,"end":831.47504,"sentiment":"neutral","sentiment_score":0.052758559584617615},{"text":"So you've got sort of income protection through work and or okay.","start":831.47504,"end":840.99,"sentiment":"neutral","sentiment_score":0.06678703955064218}],"sentiment":"neutral","sentiment_score":-0.002475304063409567,"num_words":48,"start":817.77,"end":840.99},{"sentences":[{"text":"Perfect.","start":840.99,"end":841.49,"sentiment":"positive","sentiment_score":0.4675591289997101},{"text":"So you so I mean, do you know if you were off work due to illness or injury, how long they would cover your income for, or do you have any sort of information around that with the EBA?","start":841.63,"end":850.13,"sentiment":"neutral","sentiment_score":0.04228008113419398},{"text":"If not, that's okay.","start":853.605,"end":854.725,"sentiment":"neutral","sentiment_score":0.03295280132442713},{"text":"I just wanted to find out to help you out.","start":854.725,"end":856.645,"sentiment":"neutral","sentiment_score":0.17903610616922377},{"text":"That's all.","start":856.645,"end":857.385,"sentiment":"neutral","sentiment_score":0.03132977429777384}],"sentiment":"neutral","sentiment_score":0.0732377519431923,"num_words":56,"start":840.99,"end":857.385},{"sentences":[{"text":"Perfect.","start":862.6,"end":863.1,"sentiment":"neutral","sentiment_score":0.3014541566371918},{"text":"That's okay.","start":867.4,"end":868.3,"sentiment":"neutral","sentiment_score":0.1651417762041092},{"text":"If you are able to get a hold of that and send it through to us, it would be good to be able to assess that as your total circumstances.","start":868.6,"end":874.3,"sentiment":"neutral","sentiment_score":0.1586418574055036},{"text":"We can't obviously alter or change any of that, but it helps to understand what the risk is for you.","start":875.185,"end":880.245,"sentiment":"neutral","sentiment_score":0.0010163366794586181},{"text":"And, obviously, we can, you know, monitor look at your circumstances and help you to monitor, you know, whether that's appropriate or not for you or whether you need to maybe consider additional income protection or things like that to help reduce the risk level for you.","start":880.70496,"end":894.4,"sentiment":"neutral","sentiment_score":0.07611002765120344}],"sentiment":"neutral","sentiment_score":0.08988491464406252,"num_words":100,"start":862.6,"end":894.4},{"sentences":[{"text":"Yeah.","start":894.54004,"end":895.04004,"sentiment":"neutral","sentiment_score":0.03975243121385574},{"text":"Yeah?","start":898.94,"end":899.44,"sentiment":"neutral","sentiment_score":0.01917347125709057},{"text":"Oh, wow.","start":902.38,"end":903.2,"sentiment":"neutral","sentiment_score":0.11589277535676956},{"text":"If you could, that'd be fabulous.","start":904.10504,"end":905.72504,"sentiment":"positive","sentiment_score":0.4354675809542338},{"text":"If you want, I can send you an email after the call just requesting it.","start":905.78503,"end":909.325,"sentiment":"neutral","sentiment_score":0.148351160188516}],"sentiment":"neutral","sentiment_score":0.20515137366950512,"num_words":25,"start":894.54004,"end":909.325},{"sentences":[{"text":"And if you're able to send that to us, that'd be fabulous.","start":909.54504,"end":912.125,"sentiment":"neutral","sentiment_score":0.32076304343839485},{"text":"Yeah.","start":912.265,"end":912.765,"sentiment":"neutral","sentiment_score":0.15666842460632324},{"text":"Beautiful.","start":914.34503,"end":914.84503,"sentiment":"positive","sentiment_score":0.5955550670623779},{"text":"All good.","start":914.98505,"end":915.805,"sentiment":"positive","sentiment_score":0.539148598909378},{"text":"And so the other types of personal insurances and look, honestly, you can cover yourself to the end of the earth.","start":916.25,"end":921.61,"sentiment":"neutral","sentiment_score":0.08082888505998112}],"sentiment":"neutral","sentiment_score":0.19938064316237294,"num_words":37,"start":909.54504,"end":921.61},{"sentences":[{"text":"We could be forever paying for insurances for ourselves, but it depends upon, you know, what you're comfortable paying from what you're not.","start":921.61,"end":928.485,"sentiment":"neutral","sentiment_score":-0.04782081533061421},{"text":"There are other types of cover like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a major traumatic condition, probably, like, cancer is one of the biggest ones.","start":928.725,"end":938.90497,"sentiment":"neutral","sentiment_score":0.026847699383164152},{"text":"And you can also get additional types of trauma cover for your children as well that pay out lump sum benefits if your children are diagnosed with major traumatic illnesses like cancer, or if they would have passed away.","start":939.125,"end":951.98,"sentiment":"neutral","sentiment_score":0.05258552768291571},{"text":"It can also pay out a life benefit for your children as well because it's something that's not covered by any insurances for yourself.","start":951.98,"end":957.92,"sentiment":"neutral","sentiment_score":0.07769347626405458},{"text":"So there are those other types of covers that you're welcome to think about down the track if you would like to look at those.","start":958.915,"end":964.035,"sentiment":"neutral","sentiment_score":0.07450529985129833}],"sentiment":"neutral","sentiment_score":0.03855899677708231,"num_words":145,"start":921.61,"end":964.035},{"sentences":[{"text":"They are paid out of pocket, so it does tend to have an effect on your out of pocket expenses.","start":964.035,"end":969.415,"sentiment":"neutral","sentiment_score":0.0010794297792017463},{"text":"It's not something everyone's comfortable with with the cost of living currently.","start":969.475,"end":973.57495,"sentiment":"neutral","sentiment_score":-0.08161093201488256},{"text":"But did you kind of, you know, wanna look at anything additional, or you're happy just with the what you yep.","start":974.41003,"end":980.59,"sentiment":"neutral","sentiment_score":0.03582995444802301},{"text":"Happy with that?","start":982.33,"end":983.39,"sentiment":"neutral","sentiment_score":0.1806652992963791},{"text":"Absolutely.","start":983.69,"end":984.19,"sentiment":"neutral","sentiment_score":0.2654959559440613}],"sentiment":"neutral","sentiment_score":0.010564531730651333,"num_words":57,"start":964.035,"end":984.19},{"sentences":[{"text":"That's okay.","start":984.73,"end":985.37,"sentiment":"neutral","sentiment_score":0.30970510840415955},{"text":"And if you decide you want to, you can always come back and have that conversation again.","start":985.37,"end":989.755,"sentiment":"neutral","sentiment_score":0.292491796262124},{"text":"You're not limited to just one annual review.","start":989.755,"end":991.755,"sentiment":"neutral","sentiment_score":0.09039666643366218},{"text":"If you, you know, come up in a month or two's time and go, hey.","start":991.755,"end":994.47504,"sentiment":"neutral","sentiment_score":0.10637525568405787},{"text":"I wanna talk about something else, my team will book you back in and we can have more of a conversation.","start":994.47504,"end":999.295,"sentiment":"neutral","sentiment_score":0.19379401065054394}],"sentiment":"neutral","sentiment_score":0.190162653073905,"num_words":63,"start":984.73,"end":999.295},{"sentences":[{"text":"It's absolutely fine.","start":999.435,"end":1000.555,"sentiment":"positive","sentiment_score":0.3859177728494008},{"text":"Fantastic.","start":1000.555,"end":1001.055,"sentiment":"positive","sentiment_score":0.6045873761177063},{"text":"Excellent.","start":1003.69995,"end":1004.19995,"sentiment":"positive","sentiment_score":0.6022480726242065},{"text":"Beautiful.","start":1004.5,"end":1005.0,"sentiment":"positive","sentiment_score":0.5231500267982483},{"text":"The next document is there in there is your performance report with regard to how your super has performed there.","start":1005.45996,"end":1011.62,"sentiment":"neutral","sentiment_score":0.10202037543058395}],"sentiment":"neutral","sentiment_score":0.18954408856538627,"num_words":26,"start":999.435,"end":1011.62},{"sentences":[{"text":"The second page, as I said, does explain that after the past twelve months, the net return you've received is about 5.01% there.","start":1011.62,"end":1020.185,"sentiment":"neutral","sentiment_score":0.05474711274323256},{"text":"Sorry.","start":1020.245,"end":1020.745,"sentiment":"neutral","sentiment_score":-0.011659806594252586},{"text":"That is net after fees.","start":1022.005,"end":1023.365,"sentiment":"neutral","sentiment_score":0.001700422540307045},{"text":"That's after ongoing service fee and then administration fees and also not including any contributions going in.","start":1023.365,"end":1029.045,"sentiment":"neutral","sentiment_score":0.03572630619301515},{"text":"So that is really good.","start":1029.045,"end":1030.005,"sentiment":"positive","sentiment_score":0.515537166595459}],"sentiment":"neutral","sentiment_score":0.08707958700902321,"num_words":51,"start":1011.62,"end":1030.005},{"sentences":[{"text":"Your super has done really, really well, and it has been a very volatile time there.","start":1030.005,"end":1034.64,"sentiment":"neutral","sentiment_score":0.2808724273054395},{"text":"We did sort of make some changes to your super a few months back for you.","start":1035.3401,"end":1039.1001,"sentiment":"neutral","sentiment_score":0.13345821481198072},{"text":"Do you remember receiving, like, a document, a record of advice in probably March this year?","start":1039.1001,"end":1046.0,"sentiment":"neutral","sentiment_score":0.04450310952961445},{"text":"Yeah.","start":1049.9551,"end":1050.275,"sentiment":"neutral","sentiment_score":0.02403108775615692},{"text":"That's okay.","start":1050.275,"end":1050.915,"sentiment":"neutral","sentiment_score":0.06648189201951027}],"sentiment":"neutral","sentiment_score":0.14702617447348496,"num_words":51,"start":1030.005,"end":1050.915},{"sentences":[{"text":"It was a few months back now.","start":1050.915,"end":1052.5951,"sentiment":"neutral","sentiment_score":-0.041513585086379735},{"text":"That's alright.","start":1052.5951,"end":1053.415,"sentiment":"neutral","sentiment_score":-0.02175293117761612},{"text":"Essentially, you did have an investment within your super previously.","start":1053.9551,"end":1057.0951,"sentiment":"neutral","sentiment_score":-0.08694904521107674},{"text":"It was then along Australian equity, so that investment, we sorta had noticed, had been underperforming.","start":1057.235,"end":1062.055,"sentiment":"neutral","sentiment_score":-0.18580879271030426},{"text":"We decided we wanted to remove that from your portfolio for you.","start":1062.76,"end":1065.88,"sentiment":"neutral","sentiment_score":-0.23718761776884398}],"sentiment":"neutral","sentiment_score":-0.1494209256736522,"num_words":47,"start":1050.915,"end":1065.88},{"sentences":[{"text":"So we had sent that record of advice out to note that we had removed that.","start":1065.88,"end":1069.82,"sentiment":"neutral","sentiment_score":0.006107683293521404},{"text":"You do now hold the beta shares a 200.","start":1070.44,"end":1073.34,"sentiment":"neutral","sentiment_score":0.05085631149510542},{"text":"So one of the the biggest differences between them is Bennelong was more of an actively managed fund.","start":1073.4,"end":1079.9751,"sentiment":"neutral","sentiment_score":0.025146019438074693},{"text":"So the investment manager is meant to be buying and selling investments and trying to outperform against the market.","start":1079.9751,"end":1085.275,"sentiment":"neutral","sentiment_score":0.06284585575524129},{"text":"And the Bennelong Australian equities normally holds between 15 to 25 different investment options within that fund there.","start":1085.495,"end":1092.19,"sentiment":"neutral","sentiment_score":0.05140376587708791}],"sentiment":"neutral","sentiment_score":0.039092464139685035,"num_words":80,"start":1065.88,"end":1092.19},{"sentences":[{"text":"The BetaShares a 200 is giving you much greater diversification because you're tracking the top 200 companies on the ASX.","start":1092.25,"end":1099.07,"sentiment":"neutral","sentiment_score":0.29549468234181403},{"text":"So it's giving you greater diversification, helping to lower the overall risk, but it's also a passively managed fund.","start":1099.69,"end":1106.025,"sentiment":"neutral","sentiment_score":0.3175885371471706},{"text":"So it's tracking the top 200 companies.","start":1106.025,"end":1108.265,"sentiment":"neutral","sentiment_score":0.17078753880092076},{"text":"We're not investing in a an investment manager who's trying to pick and time the market and buy and sell the top and the bottom.","start":1108.265,"end":1114.845,"sentiment":"neutral","sentiment_score":0.05009189128875732},{"text":"So it helps to reduce your risk level a bit, and this investment has been performing greater.","start":1114.985,"end":1119.59,"sentiment":"neutral","sentiment_score":0.2833195569760659}],"sentiment":"neutral","sentiment_score":0.21827634517103434,"num_words":88,"start":1092.25,"end":1119.59},{"sentences":[{"text":"So it has definitely had a really positive effect on your super this year.","start":1119.59,"end":1124.09,"sentiment":"positive","sentiment_score":0.7755223597799029},{"text":"What I would like to do, though, is whilst retaining some of these, I would like to go back if you're comfortable with me doing so.","start":1124.47,"end":1130.355,"sentiment":"neutral","sentiment_score":-0.12248316908685061},{"text":"Maybe just revalue reevaluate the investments that you're in.","start":1130.595,"end":1134.195,"sentiment":"neutral","sentiment_score":-0.08866782983144124},{"text":"You are in much of an older portfolio, and it is good to definitely rebalance things back a little bit with, you know, with the way growth works.","start":1134.195,"end":1141.395,"sentiment":"neutral","sentiment_score":0.038194008969834874},{"text":"Some investments grow faster than others.","start":1141.395,"end":1143.575,"sentiment":"neutral","sentiment_score":-0.03782552108168602}],"sentiment":"neutral","sentiment_score":0.09297854574509413,"num_words":83,"start":1119.59,"end":1143.575},{"sentences":[{"text":"So I would like to go back.","start":1143.95,"end":1145.07,"sentiment":"neutral","sentiment_score":-0.06936149778110641},{"text":"I've had a bit of a look.","start":1145.07,"end":1146.03,"sentiment":"neutral","sentiment_score":0.08861248940229416},{"text":"I can see some changes that we could definitely make to your portfolio.","start":1146.03,"end":1149.01,"sentiment":"positive","sentiment_score":0.41920986771583557},{"text":"Just make sure things are working harder for you.","start":1149.39,"end":1151.63,"sentiment":"neutral","sentiment_score":0.16809005869759452},{"text":"We've got a few other options that we could switch out some of these investments, maybe reduce the cost of your portfolio, have some investments that might be working a bit harder for you and see how that tracks towards your retirement goals.","start":1151.63,"end":1163.405,"sentiment":"neutral","sentiment_score":0.14050119959337767}],"sentiment":"neutral","sentiment_score":0.16631452319554135,"num_words":79,"start":1143.95,"end":1163.405},{"sentences":[{"text":"Are you comfortable with me reevaluating things for you?","start":1163.405,"end":1166.545,"sentiment":"neutral","sentiment_score":0.04173367656767368},{"text":"Yeah.","start":1168.925,"end":1169.425,"sentiment":"neutral","sentiment_score":0.2664972245693207},{"text":"Beautiful.","start":1169.485,"end":1169.985,"sentiment":"positive","sentiment_score":0.5753462910652161},{"text":"Fantastic.","start":1170.6849,"end":1171.1849,"sentiment":"positive","sentiment_score":0.6866645812988281},{"text":"It just takes a couple of weeks to do the research there for you, Paul.","start":1172.0299,"end":1175.1499,"sentiment":"neutral","sentiment_score":0.22670602599779766}],"sentiment":"neutral","sentiment_score":0.1964704287410886,"num_words":27,"start":1163.405,"end":1175.1499},{"sentences":[{"text":"So I'll go back and have a look at the portfolio, look at what it's doing, how it's tracking, and then we can kinda go from there.","start":1175.1499,"end":1181.09,"sentiment":"neutral","sentiment_score":0.20208686645384188},{"text":"One easy.","start":1183.1499,"end":1184.385,"sentiment":"positive","sentiment_score":0.40487881004810333},{"text":"One of the things I did kinda wanna look at was how how you would like to see your funds invested.","start":1184.385,"end":1188.9451,"sentiment":"neutral","sentiment_score":0.1105315490137963},{"text":"So there are different ways to build build portfolios, and one of those is to have active managers in there.","start":1188.9451,"end":1194.5651,"sentiment":"neutral","sentiment_score":0.09346706494688987},{"text":"Did you want us to look at sort of portfolios where there can be some active investment managers who might be taking on a bit more risk to try and outperform against the market, or would you like a portfolio that's probably a bit more low cost that's still performing just as well?","start":1194.9451,"end":1208.5499,"sentiment":"neutral","sentiment_score":0.10703233411570764}],"sentiment":"neutral","sentiment_score":0.13113268740414605,"num_words":123,"start":1175.1499,"end":1208.5499},{"sentences":[{"text":"What would you sort of want me to focus on?","start":1208.5499,"end":1210.695,"sentiment":"neutral","sentiment_score":0.004917684011161327},{"text":"Yeah.","start":1215.6549,"end":1216.0549,"sentiment":"neutral","sentiment_score":0.13987967371940613},{"text":"Absolutely fine.","start":1216.0549,"end":1217.355,"sentiment":"neutral","sentiment_score":0.19195222109556198},{"text":"Low yeah.","start":1219.6549,"end":1221.2749,"sentiment":"neutral","sentiment_score":0.06599066965281963},{"text":"Yep.","start":1224.375,"end":1224.84,"sentiment":"neutral","sentiment_score":0.07329031825065613}],"sentiment":"neutral","sentiment_score":0.04863953834865242,"num_words":16,"start":1208.5499,"end":1224.84},{"sentences":[{"text":"Yeah.","start":1227.7999,"end":1228.2999,"sentiment":"neutral","sentiment_score":0.027972877025604248},{"text":"Absolutely.","start":1230.2,"end":1230.7,"sentiment":"neutral","sentiment_score":0.32290327548980713},{"text":"Fantastic.","start":1231.08,"end":1231.58,"sentiment":"positive","sentiment_score":0.5599187016487122},{"text":"That's not a problem at all.","start":1231.96,"end":1233.24,"sentiment":"positive","sentiment_score":0.46825764576594037},{"text":"I would definitely look at that for you, and I'll come back after we've done the research, and we'll go through that advice document together.","start":1233.24,"end":1239.34,"sentiment":"positive","sentiment_score":0.40559292435646055}],"sentiment":"positive","sentiment_score":0.4076518775785671,"num_words":34,"start":1227.7999,"end":1239.34},{"sentences":[{"text":"Okay?","start":1239.5599,"end":1240.0599,"sentiment":"neutral","sentiment_score":0.21799270808696747},{"text":"Fantastic.","start":1240.515,"end":1241.015,"sentiment":"positive","sentiment_score":0.5394891500473022},{"text":"Excellent.","start":1242.675,"end":1243.155,"sentiment":"positive","sentiment_score":0.4626204371452331},{"text":"Now I can also see that your salary sacrificing at the moment, it looks like you're doing about $50 per week.","start":1243.155,"end":1248.355,"sentiment":"neutral","sentiment_score":0.07078324231718268},{"text":"Are you still salary sacrificing that?","start":1248.355,"end":1250.775,"sentiment":"neutral","sentiment_score":-0.0567158047730724}],"sentiment":"neutral","sentiment_score":0.07887518517673016,"num_words":30,"start":1239.5599,"end":1250.775},{"sentences":[{"text":"Yep.","start":1250.915,"end":1251.235,"sentiment":"neutral","sentiment_score":0.07670313864946365},{"text":"And you're still comfortable?","start":1251.235,"end":1252.4551,"sentiment":"neutral","sentiment_score":0.12186583131551743},{"text":"Excellent.","start":1253.25,"end":1253.75,"sentiment":"positive","sentiment_score":0.6695148944854736},{"text":"Are you still comfortable keeping it that amount?","start":1254.05,"end":1256.13,"sentiment":"neutral","sentiment_score":0.2740410026162863},{"text":"Would you wanna look at increasing that, or you're sort of happy with it with all the changes you're going through in that childcare costs?","start":1256.13,"end":1262.23,"sentiment":"neutral","sentiment_score":0.10115088164806366}],"sentiment":"neutral","sentiment_score":0.15268670309048432,"num_words":39,"start":1250.915,"end":1262.23},{"sentences":[{"text":"Yes.","start":1277.5751,"end":1278.06,"sentiment":"neutral","sentiment_score":0.06286095082759857},{"text":"Yep.","start":1278.6201,"end":1279.1201,"sentiment":"neutral","sentiment_score":0.04366087913513184},{"text":"Yeah.","start":1283.26,"end":1283.76,"sentiment":"neutral","sentiment_score":0.047305457293987274},{"text":"Absolutely.","start":1287.9801,"end":1288.4801,"sentiment":"neutral","sentiment_score":0.27704277634620667},{"text":"Yeah.","start":1289.1001,"end":1289.5,"sentiment":"neutral","sentiment_score":0.1877468079328537}],"sentiment":"neutral","sentiment_score":0.1237233743071556,"num_words":5,"start":1277.5751,"end":1289.5},{"sentences":[{"text":"No.","start":1289.5,"end":1289.7401,"sentiment":"neutral","sentiment_score":0.14789089560508728},{"text":"That's not a problem at all.","start":1289.7401,"end":1291.02,"sentiment":"neutral","sentiment_score":0.21575885762770972},{"text":"That's absolutely fine.","start":1291.02,"end":1292.06,"sentiment":"positive","sentiment_score":0.45411502321561176},{"text":"I'll put that down as something we can focus on down the track there for you and just look to retain your current salary sacrifice.","start":1292.06,"end":1298.015,"sentiment":"neutral","sentiment_score":0.20228566080331803},{"text":"It's not a problem at all.","start":1298.075,"end":1299.275,"sentiment":"positive","sentiment_score":0.35619938870271045}],"sentiment":"neutral","sentiment_score":0.2438811454467657,"num_words":41,"start":1289.5,"end":1299.275},{"sentences":[{"text":"Excellent.","start":1299.275,"end":1299.775,"sentiment":"positive","sentiment_score":0.6059374809265137},{"text":"The next couple of documents in that email, if you keep scrolling across there, you've got the Vanguard index chart.","start":1301.0349,"end":1306.97,"sentiment":"neutral","sentiment_score":0.09409729689359665},{"text":"This you've probably seen a couple of times in the past.","start":1306.97,"end":1309.29,"sentiment":"neutral","sentiment_score":0.07432536340572617},{"text":"It's more just a bit of a tool and a guide to show you how funds are invested there.","start":1309.29,"end":1313.63,"sentiment":"neutral","sentiment_score":0.12553443171476064},{"text":"It does sort of show you that markets go through ups and downs, and because you are still so young and have that twenty one years before accessing super.","start":1314.01,"end":1321.0751,"sentiment":"neutral","sentiment_score":0.03601712906925843}],"sentiment":"neutral","sentiment_score":0.08418891702312976,"num_words":80,"start":1299.275,"end":1321.0751},{"sentences":[{"text":"It's about making sure that you're invested in a portfolio that can withstand the downtime knowing that we expect returns to be negative in some years, and we expect lower returns some years as well.","start":1321.215,"end":1331.295,"sentiment":"neutral","sentiment_score":-0.043131041367139134},{"text":"And it's about making sure you're not wanting to access those funds within those downtime there.","start":1331.295,"end":1335.715,"sentiment":"neutral","sentiment_score":-0.08725630294065922},{"text":"I will run through just a quick risk profile with you shortly, but you have time on your side to be able to withstand the ups and downs, go through the volatility before accessing your super, and not to get scared about the downtimes.","start":1335.99,"end":1348.81,"sentiment":"neutral","sentiment_score":0.059667396867139774},{"text":"Admittedly, it does happen.","start":1349.27,"end":1351.125,"sentiment":"neutral","sentiment_score":0.08267817832529545},{"text":"We are human.","start":1351.125,"end":1352.025,"sentiment":"neutral","sentiment_score":0.010609072943528494}],"sentiment":"neutral","sentiment_score":0.0008060597978970583,"num_words":102,"start":1321.215,"end":1352.025},{"sentences":[{"text":"And if you are ever hearing anything in the market that is concerning you, please give us a call.","start":1352.165,"end":1356.5651,"sentiment":"neutral","sentiment_score":0.03471706699776022},{"text":"Let us know.","start":1356.5651,"end":1357.125,"sentiment":"neutral","sentiment_score":0.12009813139835994},{"text":"I'm more than happy to talk you through it.","start":1357.125,"end":1359.125,"sentiment":"positive","sentiment_score":0.6458189752366807},{"text":"Okay?","start":1359.125,"end":1359.625,"sentiment":"neutral","sentiment_score":0.287524551153183},{"text":"Excellent.","start":1361.8451,"end":1362.3451,"sentiment":"positive","sentiment_score":0.7401126623153687}],"sentiment":"neutral","sentiment_score":0.23817959568943037,"num_words":33,"start":1352.165,"end":1362.3451},{"sentences":[{"text":"The next document attached is your Zurich certificate of currency, just giving you a little bit more detail on, obviously, the the insurances that you do hold there.","start":1362.84,"end":1370.84,"sentiment":"neutral","sentiment_score":0.19744178599544934},{"text":"And then we've also got the financial services guide attached.","start":1370.84,"end":1374.0599,"sentiment":"neutral","sentiment_score":0.11449023112654685},{"text":"This has been updated most recently, so it runs you through everything about who we are, what we do, how we do it.","start":1374.2,"end":1380.045,"sentiment":"neutral","sentiment_score":0.1560894889028176},{"text":"It's also noting that our fee structure is going to change as of next year as well.","start":1380.3451,"end":1385.785,"sentiment":"neutral","sentiment_score":0.06283594733651947},{"text":"So it doesn't affect you at the moment, but, essentially, moving forward, our fee structure will be more of a tiered fee structure.","start":1385.785,"end":1393.5651,"sentiment":"neutral","sentiment_score":0.03993327138216599}],"sentiment":"neutral","sentiment_score":0.12128719713280697,"num_words":101,"start":1362.84,"end":1393.5651},{"sentences":[{"text":"So when your balance hits that $200,000 mark, it will then move into the next tier, and it means the tier drops a little bit.","start":1393.71,"end":1400.77,"sentiment":"neutral","sentiment_score":0.0657675564289093},{"text":"So at the moment, any balance is up to 200,000.","start":1400.83,"end":1403.63,"sentiment":"neutral","sentiment_score":0.04857638329267502},{"text":"So you do pay 1.65% for our ongoing service fee.","start":1403.63,"end":1407.675,"sentiment":"neutral","sentiment_score":0.08270897939801217},{"text":"When your balance is at $200,000 mark, you drop into the next tier down, and it drops to 1.375.","start":1407.915,"end":1414.395,"sentiment":"neutral","sentiment_score":0.059518951726587194},{"text":"So whenever your balance increases and you hit that tier's fee structure, it'll drop down a tier which is gonna work out better for yourself.","start":1414.395,"end":1421.535,"sentiment":"neutral","sentiment_score":0.14519114643335343}],"sentiment":"neutral","sentiment_score":0.0867155200142539,"num_words":89,"start":1393.71,"end":1421.535},{"sentences":[{"text":"The other side of it is that it's gonna be yeah.","start":1422.26,"end":1426.5,"sentiment":"neutral","sentiment_score":0.02306143177503889},{"text":"The lower the fee structure.","start":1426.5,"end":1427.96,"sentiment":"neutral","sentiment_score":0.04710603281855583},{"text":"Yeah.","start":1429.38,"end":1429.88,"sentiment":"neutral","sentiment_score":0.14804452657699585},{"text":"That's exactly right.","start":1430.0199,"end":1431.3999,"sentiment":"positive","sentiment_score":0.340060551961263},{"text":"It's kind of a good thing to kinda build your sleeper up.","start":1431.7799,"end":1434.195,"sentiment":"neutral","sentiment_score":0.23127805876235166}],"sentiment":"neutral","sentiment_score":0.13852402503835037,"num_words":32,"start":1422.26,"end":1434.195},{"sentences":[{"text":"The other difference is that we're gonna do it as a set dollar figure fee.","start":1434.195,"end":1437.5549,"sentiment":"neutral","sentiment_score":0.014854541855553786},{"text":"So we will work out based on your balance at the time of the review how much you're expected to pay for the ongoing service fee for that year.","start":1437.5549,"end":1445.715,"sentiment":"neutral","sentiment_score":0.05014656728197788},{"text":"We do add a 5% for growth to the fee.","start":1445.715,"end":1449.2,"sentiment":"neutral","sentiment_score":0.05621936358511448},{"text":"So it does mean it will show you a set dollar figure fee, which means that you can expect to pay a certain amount for the year with the current fee structure.","start":1449.5,"end":1456.56,"sentiment":"neutral","sentiment_score":0.03108371917915065},{"text":"If you get a ten, fifteen, or 20% return there, that fee kinda goes up with that return.","start":1456.86,"end":1462.155,"sentiment":"neutral","sentiment_score":0.0927432876908117}],"sentiment":"neutral","sentiment_score":0.047147311606050395,"num_words":104,"start":1434.195,"end":1462.155},{"sentences":[{"text":"So this will give you a lot more clarity around how much you're expected to pay for our services for the year, and it won't go over that set amount there for you.","start":1462.155,"end":1469.835,"sentiment":"neutral","sentiment_score":0.1615324519348867},{"text":"So it's about giving you more clarity on the service fee for that year, what's expected, and making sure that you obviously, as your super balance increases, that that you drop over to the next tier there as well.","start":1469.835,"end":1481.63,"sentiment":"neutral","sentiment_score":0.07076982174737331},{"text":"We're not increasing the amount we're charging in any way.","start":1481.93,"end":1485.05,"sentiment":"neutral","sentiment_score":-0.03763948753476143},{"text":"It's just that we've had to change the tier structure a little bit because the cost of advice and everything in the back end has increased as well.","start":1485.05,"end":1492.715,"sentiment":"neutral","sentiment_score":0.003220638193722282},{"text":"So we're just making sure that it's still working for you guys, but also just giving you more clarity.","start":1492.715,"end":1497.5149,"sentiment":"neutral","sentiment_score":0.1608416904744349}],"sentiment":"neutral","sentiment_score":0.08418890755883483,"num_words":129,"start":1462.155,"end":1497.5149},{"sentences":[{"text":"And I personally like the set dollar figure because you know how much you're gonna pay us for that year, whereas the tiers whereas percentage based fee can fluctuate with the market.","start":1497.5149,"end":1507.24,"sentiment":"neutral","sentiment_score":0.16539684079180006},{"text":"So it's more just a bit of a guide for you if that makes sense.","start":1507.24,"end":1510.4601,"sentiment":"neutral","sentiment_score":0.03875703923404217},{"text":"Yeah.","start":1510.6,"end":1511.1,"sentiment":"neutral","sentiment_score":0.04412805289030075},{"text":"Excellent.","start":1512.8401,"end":1513.3401,"sentiment":"positive","sentiment_score":0.3771642446517944},{"text":"So for this year, it is still with your balance under two 100,000 still, it is at 1.65%.","start":1513.72,"end":1519.055,"sentiment":"neutral","sentiment_score":0.23012165559662712}],"sentiment":"neutral","sentiment_score":0.15578412824074056,"num_words":67,"start":1497.5149,"end":1519.055},{"sentences":[{"text":"So no real major change to yourself for the year.","start":1519.055,"end":1521.455,"sentiment":"neutral","sentiment_score":0.09685545787215233},{"text":"But, obviously, next year, I'll be able to show you a bit more detail there.","start":1521.455,"end":1524.735,"sentiment":"neutral","sentiment_score":0.09430145621299743},{"text":"Okay?","start":1524.735,"end":1525.235,"sentiment":"neutral","sentiment_score":0.06978757679462433},{"text":"Excellent.","start":1527.535,"end":1528.035,"sentiment":"neutral","sentiment_score":0.3264445662498474},{"text":"We'd hope so.","start":1532.2999,"end":1533.34,"sentiment":"neutral","sentiment_score":0.08801732957363129}],"sentiment":"neutral","sentiment_score":0.10144535178939501,"num_words":30,"start":1519.055,"end":1533.34},{"sentences":[{"text":"Yeah.","start":1533.34,"end":1533.74,"sentiment":"neutral","sentiment_score":0.08939726650714874},{"text":"Yes.","start":1533.74,"end":1534.14,"sentiment":"neutral","sentiment_score":0.11441625654697418},{"text":"So, hopefully, next year, the balance will go up to that $200,000 mark, and then it will drop down to the next tier there for you.","start":1534.14,"end":1540.14,"sentiment":"neutral","sentiment_score":0.1822993073325891},{"text":"That'd be fabulous.","start":1540.14,"end":1541.12,"sentiment":"positive","sentiment_score":0.5765105485916138},{"text":"Yeah.","start":1541.26,"end":1541.76,"sentiment":"positive","sentiment_score":0.35185977816581726}],"sentiment":"neutral","sentiment_score":0.21953084180131555,"num_words":32,"start":1533.34,"end":1541.76},{"sentences":[{"text":"Excellent.","start":1543.1,"end":1543.6,"sentiment":"positive","sentiment_score":0.563307523727417},{"text":"Fantastic.","start":1544.14,"end":1544.64,"sentiment":"positive","sentiment_score":0.5862992405891418},{"text":"So I just wanted to run through and update a few additional details there for you currently.","start":1545.5,"end":1549.895,"sentiment":"neutral","sentiment_score":0.2908071095452589},{"text":"Now we did sort of make mention what your mortgage is, which is great.","start":1550.6749,"end":1554.215,"sentiment":"neutral","sentiment_score":0.18290567344852857},{"text":"The sorry.","start":1554.275,"end":1556.4349,"sentiment":"neutral","sentiment_score":-0.034500195644795895}],"sentiment":"neutral","sentiment_score":0.24528590467359337,"num_words":35,"start":1543.1,"end":1556.4349},{"sentences":[{"text":"Your main primary residence, what's the rough valuation you put on that for the moment?","start":1556.4349,"end":1561.335,"sentiment":"neutral","sentiment_score":0.007445304778714975},{"text":"Yep.","start":1565.75,"end":1566.23,"sentiment":"neutral","sentiment_score":0.2209344208240509},{"text":"Beautiful.","start":1566.23,"end":1566.73,"sentiment":"positive","sentiment_score":0.5576357245445251},{"text":"And just a question with regard to that.","start":1567.27,"end":1569.03,"sentiment":"neutral","sentiment_score":0.0402629777090624},{"text":"When you take your big trip, are you planning on renting your house out for the time being, or what's the the plan for the house of the year?","start":1569.03,"end":1579.615,"sentiment":"neutral","sentiment_score":-0.002626285727681785}],"sentiment":"neutral","sentiment_score":0.021040578752204223,"num_words":54,"start":1556.4349,"end":1579.615},{"sentences":[{"text":"Keep and rent it out, and you'll be gone.","start":1579.615,"end":1581.5549,"sentiment":"neutral","sentiment_score":-0.03022920557608207},{"text":"So you're perfect.","start":1582.015,"end":1582.735,"sentiment":"neutral","sentiment_score":0.3325284073750178},{"text":"And it'll be about one year that you're you're you're shipping around for.","start":1582.735,"end":1585.615,"sentiment":"neutral","sentiment_score":0.02706589062626545},{"text":"Is that right, or is it expected to be longer?","start":1585.615,"end":1587.81,"sentiment":"neutral","sentiment_score":-0.006095205526798963},{"text":"Yeah.","start":1594.77,"end":1595.27,"sentiment":"neutral","sentiment_score":0.11844874173402786}],"sentiment":"neutral","sentiment_score":0.031524323237439,"num_words":36,"start":1579.615,"end":1595.27},{"sentences":[{"text":"Fantastic.","start":1595.41,"end":1595.91,"sentiment":"positive","sentiment_score":0.5403731465339661},{"text":"That'll be really, really great.","start":1596.2101,"end":1597.5701,"sentiment":"positive","sentiment_score":0.6646600842475892},{"text":"I love that.","start":1597.5701,"end":1598.4701,"sentiment":"positive","sentiment_score":0.7534385522206625},{"text":"Fantastic.","start":1598.6101,"end":1599.1101,"sentiment":"positive","sentiment_score":0.511664628982544},{"text":"I've got your car down here.","start":1600.065,"end":1601.585,"sentiment":"neutral","sentiment_score":0.10472476358215015}],"sentiment":"positive","sentiment_score":0.454000152181834,"num_words":16,"start":1595.41,"end":1601.585},{"sentences":[{"text":"I'm just sorry.","start":1601.585,"end":1602.065,"sentiment":"neutral","sentiment_score":-0.05068413416544596},{"text":"I don't know what kind of car it is.","start":1602.065,"end":1603.505,"sentiment":"neutral","sentiment_score":-0.05136921091212167},{"text":"It says rough valuation of 22,000 on the vehicle.","start":1603.505,"end":1606.465,"sentiment":"neutral","sentiment_score":-0.022888119229012065},{"text":"What would you value your car at?","start":1606.465,"end":1608.325,"sentiment":"neutral","sentiment_score":-0.029165079817175865},{"text":"20 2,000?","start":1612.705,"end":1613.76,"sentiment":"neutral","sentiment_score":-0.012226749677211046}],"sentiment":"neutral","sentiment_score":-0.03496591439470649,"num_words":30,"start":1601.585,"end":1613.76},{"sentences":[{"text":"Yep.","start":1615.6,"end":1616.1,"sentiment":"neutral","sentiment_score":0.09363757818937302},{"text":"Perfect.","start":1616.88,"end":1617.38,"sentiment":"neutral","sentiment_score":0.19993147253990173},{"text":"And what sort of vehicle is it?","start":1617.52,"end":1619.3,"sentiment":"neutral","sentiment_score":0.022232534363865852},{"text":"A Hilux.","start":1622.64,"end":1623.38,"sentiment":"neutral","sentiment_score":0.029883799143135548},{"text":"Yep.","start":1623.4401,"end":1623.76,"sentiment":"neutral","sentiment_score":0.0897904485464096}],"sentiment":"neutral","sentiment_score":0.0498962365090847,"num_words":12,"start":1615.6,"end":1623.76},{"sentences":[{"text":"Beautiful.","start":1623.76,"end":1624.26,"sentiment":"neutral","sentiment_score":0.2638292610645294},{"text":"Hilux.","start":1626.64,"end":1627.14,"sentiment":"neutral","sentiment_score":0.1435178965330124},{"text":"Excellent.","start":1627.485,"end":1627.965,"sentiment":"neutral","sentiment_score":0.2903071641921997},{"text":"I've also got your caravan here with a value of 13,500.","start":1627.965,"end":1631.965,"sentiment":"neutral","sentiment_score":0.07813267748464238},{"text":"Would you change or alter that valuation at all?","start":1631.965,"end":1634.545,"sentiment":"neutral","sentiment_score":0.012298862139383951}],"sentiment":"neutral","sentiment_score":0.07251319710327231,"num_words":23,"start":1623.76,"end":1634.545},{"sentences":[{"text":"Yeah.","start":1640.17,"end":1640.41,"sentiment":"neutral","sentiment_score":0.08215871453285217},{"text":"That's okay.","start":1640.41,"end":1641.21,"sentiment":"neutral","sentiment_score":0.10808870196342468},{"text":"And then you've also got an investment portfolio with a few different stocks.","start":1641.21,"end":1646.01,"sentiment":"neutral","sentiment_score":0.0679943564419563},{"text":"And the evaluation we had last year was 17,000.","start":1646.01,"end":1649.15,"sentiment":"neutral","sentiment_score":0.04745097210009893},{"text":"Has that increased a bit since then?","start":1649.21,"end":1651.0701,"sentiment":"neutral","sentiment_score":0.022931057693702833}],"sentiment":"neutral","sentiment_score":0.05530746578006074,"num_words":32,"start":1640.17,"end":1651.0701},{"sentences":[{"text":"That 20,000?","start":1656.8251,"end":1657.885,"sentiment":"neutral","sentiment_score":0.06373739056289196},{"text":"Fantastic.","start":1657.9451,"end":1658.4451,"sentiment":"positive","sentiment_score":0.33336341381073},{"text":"Are you putting money into that regularly as well or just letting it sit and do what it does?","start":1658.665,"end":1663.3251,"sentiment":"neutral","sentiment_score":0.1084747195219327},{"text":"Yep.","start":1674.92,"end":1675.42,"sentiment":"neutral","sentiment_score":0.022855255752801895},{"text":"Beautiful.","start":1679.0,"end":1679.5,"sentiment":"positive","sentiment_score":0.39900636672973633}],"sentiment":"neutral","sentiment_score":0.12265497868065722,"num_words":24,"start":1656.8251,"end":1679.5},{"sentences":[{"text":"Right.","start":1680.465,"end":1680.965,"sentiment":"positive","sentiment_score":0.4239773154258728},{"text":"Excellent.","start":1682.3049,"end":1682.8049,"sentiment":"positive","sentiment_score":0.6402735710144043},{"text":"Fantastic.","start":1686.865,"end":1687.365,"sentiment":"positive","sentiment_score":0.7001194953918457},{"text":"Excellent.","start":1687.825,"end":1688.225,"sentiment":"positive","sentiment_score":0.5827730298042297},{"text":"And I've got your partner's car down here as well with a valuation of 20,000.","start":1688.225,"end":1692.3049,"sentiment":"neutral","sentiment_score":0.14323005676269532}],"sentiment":"neutral","sentiment_score":0.23661022437246224,"num_words":19,"start":1680.465,"end":1692.3049},{"sentences":[{"text":"Would you keep or alter that valuation?","start":1692.3049,"end":1694.085,"sentiment":"neutral","sentiment_score":0.06265919389469284},{"text":"Yeah.","start":1698.5,"end":1698.7401,"sentiment":"neutral","sentiment_score":0.04127965122461319},{"text":"That's okay.","start":1698.7401,"end":1699.38,"sentiment":"neutral","sentiment_score":0.02997748740017414},{"text":"And what kind of car is that one?","start":1699.38,"end":1701.0801,"sentiment":"neutral","sentiment_score":0.011592791124712676},{"text":"Tucson.","start":1704.42,"end":1704.92,"sentiment":"neutral","sentiment_score":0.04304462671279907}],"sentiment":"neutral","sentiment_score":0.03555978626306904,"num_words":19,"start":1692.3049,"end":1704.92},{"sentences":[{"text":"Beautiful.","start":1705.14,"end":1705.64,"sentiment":"positive","sentiment_score":0.36708635091781616},{"text":"Excellent.","start":1707.14,"end":1707.6201,"sentiment":"positive","sentiment_score":0.40269172191619873},{"text":"Is there any other assets like that's okay.","start":1707.6201,"end":1711.845,"sentiment":"neutral","sentiment_score":0.033679322339594364},{"text":"Yeah.","start":1713.745,"end":1714.245,"sentiment":"neutral","sentiment_score":0.01973168738186359},{"text":"Yeah.","start":1714.385,"end":1714.885,"sentiment":"neutral","sentiment_score":0.017637424170970917}],"sentiment":"neutral","sentiment_score":0.08971514692530036,"num_words":12,"start":1705.14,"end":1714.885},{"sentences":[{"text":"Anything else you wanna note down at all?","start":1714.9451,"end":1717.045,"sentiment":"neutral","sentiment_score":0.015063509810715914},{"text":"Yep.","start":1721.105,"end":1721.605,"sentiment":"neutral","sentiment_score":0.04294344037771225},{"text":"That's okay.","start":1722.385,"end":1723.2051,"sentiment":"neutral","sentiment_score":0.10311451181769371},{"text":"Absolutely fine.","start":1723.345,"end":1724.5651,"sentiment":"neutral","sentiment_score":0.22002649307250977},{"text":"And then, also, the other thing I like to sort of look at is the beneficiary side of things as well.","start":1725.22,"end":1729.62,"sentiment":"neutral","sentiment_score":0.06583793461322784}],"sentiment":"neutral","sentiment_score":0.06448029869181268,"num_words":34,"start":1714.9451,"end":1729.62},{"sentences":[{"text":"So I have I've got down here that you yourself and your partner, you've had a will and power of attorney join up in the past.","start":1729.62,"end":1734.82,"sentiment":"neutral","sentiment_score":0.037703183049765915},{"text":"Is that right?","start":1734.82,"end":1735.6399,"sentiment":"neutral","sentiment_score":0.05138428136706352},{"text":"Yeah.","start":1738.105,"end":1738.345,"sentiment":"neutral","sentiment_score":0.02732646092772484},{"text":"It's all current and valid as per your circumstances.","start":1738.345,"end":1740.7649,"sentiment":"neutral","sentiment_score":0.03433561325073242},{"text":"Yeah.","start":1744.2649,"end":1744.7649,"sentiment":"neutral","sentiment_score":0.01941237412393093}],"sentiment":"neutral","sentiment_score":0.0372548739425838,"num_words":40,"start":1729.62,"end":1744.7649},{"sentences":[{"text":"Yeah.","start":1757.0,"end":1757.3999,"sentiment":"neutral","sentiment_score":-0.0070676859468221664},{"text":"No.","start":1757.3999,"end":1757.5599,"sentiment":"neutral","sentiment_score":-0.027229031547904015},{"text":"That's okay.","start":1757.5599,"end":1758.46,"sentiment":"neutral","sentiment_score":0.018846863880753517},{"text":"Excellent.","start":1759.24,"end":1759.74,"sentiment":"neutral","sentiment_score":0.20158584415912628},{"text":"Have have you considered or have you done, like, a guardianship that sort of states what happens to the children if and when you both were to pass away?","start":1759.88,"end":1767.5751,"sentiment":"neutral","sentiment_score":0.010758069697125205}],"sentiment":"neutral","sentiment_score":0.015204908107133472,"num_words":34,"start":1757.0,"end":1767.5751},{"sentences":[{"text":"As part of it.","start":1770.1951,"end":1771.3151,"sentiment":"neutral","sentiment_score":0.03111455775797367},{"text":"Yeah.","start":1771.3151,"end":1771.795,"sentiment":"neutral","sentiment_score":0.06988197565078735},{"text":"Beautiful.","start":1771.795,"end":1772.295,"sentiment":"neutral","sentiment_score":0.33093881607055664},{"text":"Excellent.","start":1772.355,"end":1772.855,"sentiment":"positive","sentiment_score":0.42533090710639954},{"text":"Fantastic.","start":1775.475,"end":1775.975,"sentiment":"neutral","sentiment_score":0.3204735219478607}],"sentiment":"neutral","sentiment_score":0.15888543147593737,"num_words":8,"start":1770.1951,"end":1775.975},{"sentences":[{"text":"And then I've also got your beneficiaries noted here for your life and your so far, a 100% is Charlotte in the event that something occurs to you.","start":1776.1951,"end":1782.9601,"sentiment":"neutral","sentiment_score":0.12539388558694295},{"text":"Was that correct and accurate per your circumstances?","start":1782.9601,"end":1785.3,"sentiment":"neutral","sentiment_score":0.09395061479881406},{"text":"Yep.","start":1786.3201,"end":1786.7201,"sentiment":"neutral","sentiment_score":0.09230290353298189},{"text":"Beautiful.","start":1786.7201,"end":1787.2201,"sentiment":"positive","sentiment_score":0.7061358094215393},{"text":"Excellent.","start":1787.4401,"end":1787.9401,"sentiment":"positive","sentiment_score":0.783940315246582}],"sentiment":"neutral","sentiment_score":0.14987212161605173,"num_words":39,"start":1776.1951,"end":1787.9401},{"sentences":[{"text":"Lovely.","start":1788.64,"end":1789.14,"sentiment":"positive","sentiment_score":0.737445592880249},{"text":"The last thing to run through quickly is just your risk profile questionnaire just to make sure you are invested in the correct portfolio does help when I'm just going back to update the advice for you.","start":1789.68,"end":1798.715,"sentiment":"neutral","sentiment_score":0.13731193018926158},{"text":"The first question here is basically, you know, if you were to say for your super fall by 20% over the next one to two years, how do you think you might be feeling in that instance?","start":1799.575,"end":1809.035,"sentiment":"neutral","sentiment_score":-0.028832016361726297},{"text":"Are you considering it an investment opportunity and wanting to put some money into the market?","start":1809.095,"end":1814.01,"sentiment":"neutral","sentiment_score":-0.029739816789515316},{"text":"Are you maybe holding and waiting, just letting it go through the ups and downs and calling us to have a bit of a chat, or are you feeling concerned and wanting to sell the investments to cash?","start":1814.39,"end":1823.055,"sentiment":"neutral","sentiment_score":-0.06644145418938838}],"sentiment":"neutral","sentiment_score":0.013570465710620547,"num_words":129,"start":1788.64,"end":1823.055},{"sentences":[{"text":"How do you think you might react?","start":1823.4551,"end":1824.995,"sentiment":"neutral","sentiment_score":-0.04863985148923738},{"text":"If you saw this yeah.","start":1830.415,"end":1833.135,"sentiment":"neutral","sentiment_score":-0.03894676342606544},{"text":"If you saw the super fall by, say, 20% over the next one to two years, how do you think you might be feeling?","start":1833.135,"end":1838.8351,"sentiment":"neutral","sentiment_score":-0.06557722700138886},{"text":"Yep.","start":1849.76,"end":1850.26,"sentiment":"neutral","sentiment_score":-0.022168193012475967},{"text":"Yeah.","start":1859.935,"end":1860.335,"sentiment":"neutral","sentiment_score":-0.03262072429060936}],"sentiment":"neutral","sentiment_score":-0.05694355639187913,"num_words":38,"start":1823.4551,"end":1860.335},{"sentences":[{"text":"Realistically, writing it out is the best way to go.","start":1860.335,"end":1863.295,"sentiment":"neutral","sentiment_score":-0.05398713797330856},{"text":"I've sort of ticked their hold and wait and maybe call us and see what we suggest you do.","start":1863.535,"end":1867.74,"sentiment":"neutral","sentiment_score":-0.04575909644757446},{"text":"Does that sound appropriate for the answer?","start":1867.74,"end":1869.76,"sentiment":"neutral","sentiment_score":-0.00774810543017728},{"text":"Yeah.","start":1872.22,"end":1872.54,"sentiment":"neutral","sentiment_score":0.0159294530749321},{"text":"That's all good.","start":1872.54,"end":1873.18,"sentiment":"neutral","sentiment_score":0.12509330610434213}],"sentiment":"neutral","sentiment_score":-0.026808039471507072,"num_words":40,"start":1860.335,"end":1873.18},{"sentences":[{"text":"It is just the hold and wait.","start":1873.18,"end":1874.54,"sentiment":"neutral","sentiment_score":-0.040649774351290295},{"text":"It is a hard thing to do, but staying invested throughout those downtimes is very important because you'd never know where the top of the bottom of the market is.","start":1874.54,"end":1882.4149,"sentiment":"neutral","sentiment_score":-0.11053716825942199},{"text":"The selling out means you've gotta find a point to buy in.","start":1882.4149,"end":1885.375,"sentiment":"neutral","sentiment_score":-0.13164548389613628},{"text":"And if you miss the top and the bottom of the market, you could be off by thousands of dollars, which compounding it, you know, a five or six percent return over the longer term can have a much larger effect.","start":1885.375,"end":1895.18,"sentiment":"neutral","sentiment_score":-0.04315269756607893},{"text":"So it's about staying invested through those downtimes and remembering you can't access it for twenty years.","start":1895.18,"end":1900.78,"sentiment":"neutral","sentiment_score":0.19313711629194372}],"sentiment":"neutral","sentiment_score":-0.03426484951627589,"num_words":107,"start":1873.18,"end":1900.78},{"sentences":[{"text":"So you, you know, you you don't need to worry about stressing out about those moments.","start":1900.78,"end":1904.78,"sentiment":"neutral","sentiment_score":0.04557179845869541},{"text":"As hard as can definitely be, and I understand that.","start":1904.78,"end":1907.625,"sentiment":"neutral","sentiment_score":-0.02465900592505932},{"text":"Yeah.","start":1907.625,"end":1908.125,"sentiment":"neutral","sentiment_score":-0.01364482007920742},{"text":"The next one here is have you ever seen your super fall in value?","start":1909.225,"end":1912.6649,"sentiment":"neutral","sentiment_score":-0.12905797202672278},{"text":"If you have, again, how does it make you feel?","start":1912.6649,"end":1915.5449,"sentiment":"neutral","sentiment_score":-0.09031111598014832}],"sentiment":"neutral","sentiment_score":-0.04394135043463286,"num_words":51,"start":1900.78,"end":1915.5449},{"sentences":[{"text":"Are you optimistic about the investment opportunities ahead?","start":1915.5449,"end":1918.825,"sentiment":"neutral","sentiment_score":0.019427231047302485},{"text":"Are you cautious, concerned, or feeling anxious?","start":1918.825,"end":1921.1649,"sentiment":"neutral","sentiment_score":-0.17975886804716928},{"text":"How do you think you might feel?","start":1921.17,"end":1932.75,"sentiment":"neutral","sentiment_score":-0.20470407605171204},{"text":"Mhmm.","start":1935.81,"end":1936.31,"sentiment":"negative","sentiment_score":-0.33483725786209106},{"text":"Yeah.","start":1936.6901,"end":1937.115,"sentiment":"neutral","sentiment_score":-0.12304709851741792}],"sentiment":"neutral","sentiment_score":-0.12473779652888577,"num_words":24,"start":1915.5449,"end":1937.115},{"sentences":[{"text":"Yep.","start":1938.955,"end":1939.455,"sentiment":"neutral","sentiment_score":-0.0600312277674675},{"text":"Yeah.","start":1944.5549,"end":1945.0549,"sentiment":"neutral","sentiment_score":-0.05102298781275749},{"text":"Yep.","start":1948.235,"end":1948.475,"sentiment":"neutral","sentiment_score":0.009242228232324123},{"text":"Yep.","start":1948.475,"end":1948.975,"sentiment":"neutral","sentiment_score":0.007126163225620985},{"text":"Absolute that's 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scenario?","start":1969.385,"end":1971.005,"sentiment":"neutral","sentiment_score":-0.02441123260983399},{"text":"Yep.","start":1978.265,"end":1978.765,"sentiment":"neutral","sentiment_score":-0.08367672562599182}],"sentiment":"neutral","sentiment_score":0.004319172891389046,"num_words":70,"start":1951.035,"end":1978.765},{"sentences":[{"text":"Yep.","start":1981.3049,"end":1981.65,"sentiment":"neutral","sentiment_score":-0.17105858027935028},{"text":"Yeah.","start":1986.37,"end":1986.87,"sentiment":"neutral","sentiment_score":-0.1582048386335373},{"text":"Yep.","start":1988.85,"end":1989.35,"sentiment":"neutral","sentiment_score":0.08567102253437042},{"text":"Absolutely.","start":1990.6901,"end":1991.1901,"sentiment":"positive","sentiment_score":0.3609563112258911},{"text":"Fantastic.","start":1991.81,"end":1992.31,"sentiment":"positive","sentiment_score":0.4642373323440552}],"sentiment":"neutral","sentiment_score":0.11632024943828582,"num_words":5,"start":1981.3049,"end":1992.31},{"sentences":[{"text":"And 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understandable.","start":2025.015,"end":2028.395,"sentiment":"neutral","sentiment_score":0.018971463880286768},{"text":"No.","start":2029.175,"end":2029.415,"sentiment":"neutral","sentiment_score":-0.013729151338338852},{"text":"That's okay.","start":2029.415,"end":2030.3151,"sentiment":"neutral","sentiment_score":0.22079987078905106},{"text":"Beautiful.","start":2031.175,"end":2031.675,"sentiment":"positive","sentiment_score":0.5630037188529968},{"text":"Now with where you have essentially scored that you have scored as a growth investor.","start":2032.15,"end":2036.25,"sentiment":"neutral","sentiment_score":0.10672883838415145}],"sentiment":"neutral","sentiment_score":0.08870112235308625,"num_words":32,"start":2025.015,"end":2036.25},{"sentences":[{"text":"So that does say generally about 80% of your super invested in growth assets, so things like Australian and international shares, listed property and commodities like gold and silver, and then the other 20% in low risk defensive investments, so things like cash, bonds, and fixed interest.","start":2036.3099,"end":2052.335,"sentiment":"neutral","sentiment_score":0.07150488037695275},{"text":"With the growth portfolio, when you consider, say, the risk out of a number between one and five, five being the highest level of risk and one being probably the lowest sitting all in cash, you're sitting at about a three.","start":2052.635,"end":2064.4202,"sentiment":"neutral","sentiment_score":0.016244066697431774},{"text":"So you're kind of in that midway point there.","start":2064.4202,"end":2066.5,"sentiment":"neutral","sentiment_score":0.0014168962888005707},{"text":"For your age and stage, that growth portfolio generally suits quite nicely.","start":2066.5,"end":2071.2402,"sentiment":"neutral","sentiment_score":0.12602007171760002},{"text":"We're kind of expecting or wanting to achieve about a seven to 9% return compounding forward over the next twenty years there, and the likelihood of a negative return is about one in every sort of five years.","start":2072.1,"end":2083.0452,"sentiment":"neutral","sentiment_score":-0.053957172816521244}],"sentiment":"neutral","sentiment_score":0.023818751513565176,"num_words":147,"start":2036.3099,"end":2083.0452},{"sentences":[{"text":"Do you feel like that's fairly comfortable for where you're sitting?","start":2083.0452,"end":2086.185,"sentiment":"neutral","sentiment_score":0.018849944018504837},{"text":"Did you wanna keep that kind of environment?","start":2086.3252,"end":2088.2651,"sentiment":"neutral","sentiment_score":0.009883078979328275},{"text":"Yep.","start":2091.9402,"end":2092.34,"sentiment":"neutral","sentiment_score":0.18124227225780487},{"text":"Beautiful.","start":2092.34,"end":2092.84,"sentiment":"positive","sentiment_score":0.5469528436660767},{"text":"Fantastic.","start":2093.06,"end":2093.56,"sentiment":"positive","sentiment_score":0.6243729591369629}],"sentiment":"neutral","sentiment_score":0.07449918595904653,"num_words":22,"start":2083.0452,"end":2093.56},{"sentences":[{"text":"Excellent.","start":2094.02,"end":2094.52,"sentiment":"positive","sentiment_score":0.5167821645736694},{"text":"Well, what I'll do, just to kinda recap, I'll go back and just reassess you, Steve, for the investments, look at rebalancing and maybe switching some things out, look at more of a low cost portfolio there for you, try to reduce fees where I possibly can, and look at what we can do for the advice.","start":2094.6602,"end":2109.9248,"sentiment":"neutral","sentiment_score":0.08414655727775473},{"text":"We'll update the statement of advice to reflect that, keeping contributions based on your current rate and retaining the $50 per week salary sacrifice there, not increasing down the track.","start":2109.9248,"end":2120.27,"sentiment":"neutral","sentiment_score":0.08555403624971708},{"text":"We'll retain insurances as they are.","start":2121.4502,"end":2123.53,"sentiment":"neutral","sentiment_score":0.1931226501862208},{"text":"You're happy with the life and TPD, not worrying about income protection.","start":2123.53,"end":2127.29,"sentiment":"neutral","sentiment_score":0.30832331255078316}],"sentiment":"neutral","sentiment_score":0.12017332706248986,"num_words":106,"start":2094.02,"end":2127.29},{"sentences":[{"text":"I'll send you an email shortly just to get the information from your EBA there.","start":2127.29,"end":2131.31,"sentiment":"neutral","sentiment_score":0.0894905298948288},{"text":"And with scoping at not factoring any any new insurances like trauma or child trauma currently.","start":2131.655,"end":2137.115,"sentiment":"neutral","sentiment_score":0.014151621668133885},{"text":"And then medium term goals down the track, we are also looking at, you know, your big holiday down the track, possibly increasing contributions after that time frame.","start":2137.415,"end":2147.44,"sentiment":"neutral","sentiment_score":0.11058345969234194},{"text":"And just sort of tracking forward, you're still hoping to access Super around about 60.","start":2147.98,"end":2152.22,"sentiment":"neutral","sentiment_score":0.12192563613255819},{"text":"Is that right for your goal still?","start":2152.22,"end":2154.0,"sentiment":"neutral","sentiment_score":0.12329816924674171}],"sentiment":"neutral","sentiment_score":0.09082830238535448,"num_words":81,"start":2127.29,"end":2154.0},{"sentences":[{"text":"Yeah.","start":2159.065,"end":2159.565,"sentiment":"neutral","sentiment_score":-0.05060845613479614},{"text":"That's that's a yes.","start":2159.625,"end":2161.325,"sentiment":"neutral","sentiment_score":-0.05508936010301113},{"text":"So the age pension for eligible recipients is 67 currently.","start":2170.2651,"end":2174.5798,"sentiment":"neutral","sentiment_score":-0.00897213825955987},{"text":"Yeah.","start":2174.64,"end":2174.88,"sentiment":"neutral","sentiment_score":0.032105039805173874},{"text":"But you can access super at 60.","start":2174.88,"end":2176.8198,"sentiment":"neutral","sentiment_score":0.05783803441694805}],"sentiment":"neutral","sentiment_score":0.0033166957209291663,"num_words":23,"start":2159.065,"end":2176.8198},{"sentences":[{"text":"The way I tend to work it out with a lot of my retiree clients is that we look at if they wanna access super at 60, what they need to live on, how we draw that between 60 to 67, And then from 67, depending on eligibility, you know, what age pension access do they get and how do we reduce the the withdrawal from 60 there.","start":2177.2,"end":2195.825,"sentiment":"neutral","sentiment_score":0.07631543722441968},{"text":"So it's definitely possible.","start":2195.825,"end":2197.205,"sentiment":"positive","sentiment_score":0.34934086725115776},{"text":"It's not a problem.","start":2197.7449,"end":2198.545,"sentiment":"positive","sentiment_score":0.43856140226125717},{"text":"It's something it's your goal.","start":2198.545,"end":2199.7449,"sentiment":"positive","sentiment_score":0.46027904748916626},{"text":"We can look at it down the track to assist you in that area.","start":2199.7449,"end":2202.565,"sentiment":"neutral","sentiment_score":0.32636091858148575}],"sentiment":"neutral","sentiment_score":0.1601211253357561,"num_words":95,"start":2177.2,"end":2202.565},{"sentences":[{"text":"Okay?","start":2202.63,"end":2203.13,"sentiment":"neutral","sentiment_score":0.15882883965969086},{"text":"Beautiful.","start":2205.5898,"end":2206.0898,"sentiment":"positive","sentiment_score":0.7306233644485474},{"text":"Excellent.","start":2206.39,"end":2206.8699,"sentiment":"positive","sentiment_score":0.7449636459350586},{"text":"And I'll retain the growth environment there for you.","start":2206.8699,"end":2209.5098,"sentiment":"positive","sentiment_score":0.6018985046280755},{"text":"Have I missed anything?","start":2209.5098,"end":2210.7898,"sentiment":"neutral","sentiment_score":0.14976320043206215}],"sentiment":"positive","sentiment_score":0.47815969958901405,"num_words":16,"start":2202.63,"end":2210.7898},{"sentences":[{"text":"Is there anything that you think I maybe not have touched on or any additional questions you have that you maybe wanted to bring up with me at all?","start":2210.7898,"end":2217.5298,"sentiment":"neutral","sentiment_score":0.1613846033297736},{"text":"Yeah.","start":2220.9648,"end":2221.4648,"sentiment":"neutral","sentiment_score":-0.009382090531289576},{"text":"Mhmm.","start":2229.765,"end":2230.265,"sentiment":"neutral","sentiment_score":-0.011006960645318031},{"text":"Yep.","start":2233.73,"end":2234.23,"sentiment":"neutral","sentiment_score":0.007310446351766586},{"text":"Yep.","start":2237.81,"end":2238.31,"sentiment":"neutral","sentiment_score":0.05321191996335983}],"sentiment":"neutral","sentiment_score":0.14303899429399858,"num_words":33,"start":2210.7898,"end":2238.31},{"sentences":[{"text":"Yeah.","start":2250.235,"end":2250.735,"sentiment":"neutral","sentiment_score":-0.005518504884094},{"text":"Well, I mean, putting it on the mortgage isn't a bad thing.","start":2250.795,"end":2253.775,"sentiment":"neutral","sentiment_score":0.25593561803301174},{"text":"Essentially, you're putting it onto your main primary residence.","start":2254.075,"end":2256.815,"sentiment":"neutral","sentiment_score":0.2882387257284588},{"text":"Money held within the loan gives you a guaranteed rate of return.","start":2258.31,"end":2262.09,"sentiment":"positive","sentiment_score":0.46177821854750317},{"text":"You could definitely look to invest that in other areas if you wanted to, but one of the big things you kind of pulled out with me is that you wanna take this big trip as well.","start":2262.6301,"end":2270.31,"sentiment":"positive","sentiment_score":0.48884217642449046}],"sentiment":"positive","sentiment_score":0.412512064694991,"num_words":71,"start":2250.235,"end":2270.31},{"sentences":[{"text":"So if you were to invest that money outside of Super, would you then be wanting to draw on that to a put back on the mortgage at a later time to reduce the interest payable, or would you be wanting to maybe draw that money out in the next in the next, what, two years to be able to take your big trip around the country?","start":2270.31,"end":2287.9102,"sentiment":"neutral","sentiment_score":0.23018846338364615},{"text":"Do you think that that would need to be access yeah.","start":2288.29,"end":2291.1702,"sentiment":"neutral","sentiment_score":-0.06798785433850506},{"text":"So, realistically, I wouldn't wanna be investing anything that in the short term that you're gonna utilize within the next sort of three years.","start":2291.1702,"end":2297.505,"sentiment":"neutral","sentiment_score":-0.06427014494935672},{"text":"Investing should always be more of a longer term investment, so keeping on the mortgage for now isn't a bad thing.","start":2297.9849,"end":2303.285,"sentiment":"neutral","sentiment_score":0.2713537482278688},{"text":"You've also now got childcare costs and your wife going back to work, and it could mean that your hours drop a little bit as well.","start":2303.6648,"end":2310.2249,"sentiment":"neutral","sentiment_score":0.1180672195668404}],"sentiment":"neutral","sentiment_score":0.14698291001153874,"num_words":149,"start":2270.31,"end":2310.2249},{"sentences":[{"text":"So shelter that money on your mortgage isn't a bad thing.","start":2310.2249,"end":2313.44,"sentiment":"positive","sentiment_score":0.41228089007464325},{"text":"It saves on interest for you.","start":2313.44,"end":2315.46,"sentiment":"positive","sentiment_score":0.3943568368752797},{"text":"If you ever did wanna sort of talk more about what you can do, that's absolutely fine.","start":2315.52,"end":2319.68,"sentiment":"neutral","sentiment_score":0.297822323792121},{"text":"But one of your goals is paying down your mortgage the biggest thing you have going.","start":2319.68,"end":2324.16,"sentiment":"neutral","sentiment_score":0.20680561289191246},{"text":"Is that something you wanted to really do front as a goal?","start":2324.16,"end":2328.5051,"sentiment":"neutral","sentiment_score":0.12286224340399106}],"sentiment":"neutral","sentiment_score":0.27012011360737587,"num_words":62,"start":2310.2249,"end":2328.5051},{"sentences":[{"text":"Yeah.","start":2329.2852,"end":2329.7852,"sentiment":"neutral","sentiment_score":0.05837184190750122},{"text":"Yeah.","start":2333.8452,"end":2334.3452,"sentiment":"neutral","sentiment_score":0.08468948304653168},{"text":"Yeah.","start":2334.405,"end":2334.905,"sentiment":"neutral","sentiment_score":0.0871705487370491},{"text":"Yeah.","start":2337.2852,"end":2337.7852,"sentiment":"neutral","sentiment_score":0.07368805259466171},{"text":"Absolutely.","start":2340.72,"end":2341.22,"sentiment":"neutral","sentiment_score":0.1491648554801941}],"sentiment":"neutral","sentiment_score":0.09061695635318756,"num_words":5,"start":2329.2852,"end":2341.22},{"sentences":[{"text":"Yeah.","start":2343.12,"end":2343.62,"sentiment":"neutral","sentiment_score":0.20444443821907043},{"text":"Correct.","start":2343.68,"end":2344.16,"sentiment":"neutral","sentiment_score":0.27367985248565674},{"text":"So, look, putting it on the mortgage is the right place for that money at the moment with everything you've got.","start":2344.16,"end":2348.4,"sentiment":"neutral","sentiment_score":0.30652359163477305},{"text":"Your main sort of medium term goal you've mentioned is to kind of pay the mortgage down as quickly as possible, but then also drawing on that money back when you need it to.","start":2348.4,"end":2356.4148,"sentiment":"neutral","sentiment_score":0.14790659529321334},{"text":"So it's on the mortgage.","start":2356.4148,"end":2358.015,"sentiment":"neutral","sentiment_score":0.19999358654022217}],"sentiment":"neutral","sentiment_score":0.20877277238234396,"num_words":62,"start":2343.12,"end":2358.015},{"sentences":[{"text":"It's saving you interest for the shorter term, but then it's also accessible in the short term if you need it.","start":2358.015,"end":2363.155,"sentiment":"neutral","sentiment_score":0.23830085425149827},{"text":"The other side to that is if you invest the money in portfolios that side of Stupa, there are tax consequences that because you are getting growth in income, which needs to be included in your personal taxable income.","start":2363.535,"end":2374.71,"sentiment":"neutral","sentiment_score":0.06484315095421596},{"text":"So having it where it is at the moment, there's no ongoing tax consequences just for us sitting in your mortgage, and you're kinda sheltering that money as well.","start":2374.77,"end":2383.685,"sentiment":"neutral","sentiment_score":0.14013847182023115},{"text":"And saving on interest on the mortgage, which in my book with how much I pay on my home loan is not bad.","start":2383.685,"end":2389.465,"sentiment":"neutral","sentiment_score":0.11748863440816817},{"text":"Yeah.","start":2391.685,"end":2392.185,"sentiment":"neutral","sentiment_score":0.08020418882369995}],"sentiment":"neutral","sentiment_score":0.12725362203092175,"num_words":113,"start":2358.015,"end":2392.185},{"sentences":[{"text":"Yeah.","start":2398.6902,"end":2399.1902,"sentiment":"neutral","sentiment_score":0.0653991550207138},{"text":"That's correct.","start":2399.81,"end":2400.7102,"sentiment":"neutral","sentiment_score":0.16967521607875824},{"text":"That's correct.","start":2401.1702,"end":2402.05,"sentiment":"neutral","sentiment_score":0.17926831543445587},{"text":"Yeah.","start":2402.05,"end":2402.53,"sentiment":"neutral","sentiment_score":0.1224890798330307},{"text":"Definitely.","start":2402.53,"end":2403.03,"sentiment":"neutral","sentiment_score":0.131565660238266}],"sentiment":"neutral","sentiment_score":0.1453344225883484,"num_words":7,"start":2398.6902,"end":2403.03},{"sentences":[{"text":"So does that answer your question for the moment?","start":2403.4102,"end":2405.57,"sentiment":"neutral","sentiment_score":0.02945289874656333},{"text":"Does that did you need any further clarity on that currently?","start":2405.57,"end":2408.31,"sentiment":"neutral","sentiment_score":-0.007375377230346203},{"text":"Excellent.","start":2412.205,"end":2412.685,"sentiment":"positive","sentiment_score":0.5170237421989441},{"text":"Beautiful.","start":2412.685,"end":2413.185,"sentiment":"positive","sentiment_score":0.552173376083374},{"text":"Well, look.","start":2413.325,"end":2413.805,"sentiment":"positive","sentiment_score":0.36572329699993134}],"sentiment":"neutral","sentiment_score":0.08269127714447677,"num_words":24,"start":2403.4102,"end":2413.805},{"sentences":[{"text":"Thank you so much for your time today, Paul.","start":2413.805,"end":2415.565,"sentiment":"positive","sentiment_score":0.6883653137418959},{"text":"It's been an absolute pleasure.","start":2415.565,"end":2416.945,"sentiment":"positive","sentiment_score":0.8135181665420532},{"text":"If you can just sign and return the annual review pack when you've got a second there just so we can have everything on file updated, And I'll go back and just update the advice there for you, and we'll come back in a few weeks and wrap it together.","start":2417.085,"end":2428.31,"sentiment":"neutral","sentiment_score":0.2411169421672821},{"text":"How does that sound?","start":2428.37,"end":2429.43,"sentiment":"neutral","sentiment_score":0.20157137140631676},{"text":"Yep.","start":2432.13,"end":2432.63,"sentiment":"neutral","sentiment_score":0.16920769214630127}],"sentiment":"positive","sentiment_score":0.33759737597859424,"num_words":69,"start":2413.805,"end":2432.63},{"sentences":[{"text":"Yeah.","start":2435.01,"end":2435.33,"sentiment":"neutral","sentiment_score":0.2914382815361023},{"text":"That'd be fabulous if you're comfortable to do so.","start":2435.33,"end":2437.81,"sentiment":"positive","sentiment_score":0.47843553953700596},{"text":"Yeah.","start":2437.81,"end":2438.265,"sentiment":"neutral","sentiment_score":0.15739145874977112},{"text":"Yep.","start":2444.265,"end":2444.765,"sentiment":"neutral","sentiment_score":0.09491344541311264},{"text":"Yep.","start":2444.825,"end":2445.2249,"sentiment":"neutral","sentiment_score":0.07726682722568512}],"sentiment":"positive","sentiment_score":0.37899460528905576,"num_words":13,"start":2435.01,"end":2445.2249},{"sentences":[{"text":"Well, absolutely.","start":2445.2249,"end":2447.085,"sentiment":"neutral","sentiment_score":0.12029111385345459},{"text":"Yeah.","start":2447.545,"end":2447.785,"sentiment":"neutral","sentiment_score":0.036657556891441345},{"text":"This takes a couple of weeks to do the research component around the side of things.","start":2447.785,"end":2452.64,"sentiment":"neutral","sentiment_score":0.07718491880223155},{"text":"And as soon as that is good to go, my team will book you back in, and we'll run through things together.","start":2452.7,"end":2457.28,"sentiment":"neutral","sentiment_score":0.2524017664519223},{"text":"You'll get the statement advice to look at.","start":2457.5798,"end":2459.42,"sentiment":"neutral","sentiment_score":0.21504603512585163}],"sentiment":"neutral","sentiment_score":0.17929399241598284,"num_words":49,"start":2445.2249,"end":2459.42},{"sentences":[{"text":"I'll run through the recommendations I'm making, and then you get to take it away and read it and decide whether you're happy to take those recommendations on or not.","start":2459.42,"end":2466.4,"sentiment":"neutral","sentiment_score":0.11152883755664031},{"text":"Okay.","start":2469.365,"end":2469.845,"sentiment":"positive","sentiment_score":0.42116597294807434},{"text":"Easy.","start":2469.845,"end":2470.345,"sentiment":"positive","sentiment_score":0.420975923538208},{"text":"Beautiful.","start":2470.805,"end":2471.305,"sentiment":"neutral","sentiment_score":0.229765847325325},{"text":"Thanks.","start":2471.7651,"end":2472.2651,"sentiment":"neutral","sentiment_score":0.2099347412586212}],"sentiment":"neutral","sentiment_score":0.13610904740498347,"num_words":34,"start":2459.42,"end":2472.2651},{"sentences":[{"text":"You're sorry?","start":2473.445,"end":2474.185,"sentiment":"neutral","sentiment_score":0.0386941758915782},{"text":"Yeah.","start":2475.7651,"end":2476.085,"sentiment":"neutral","sentiment_score":0.08673463016748428},{"text":"I'm just doing up an email now to send to you just to request that so you've got my direct email there for you.","start":2476.085,"end":2481.945,"sentiment":"neutral","sentiment_score":0.16555502389868101},{"text":"Okay?","start":2482.0051,"end":2482.35,"sentiment":"neutral","sentiment_score":0.06815680116415024},{"text":"Okay?","start":2483.9502,"end":2484.4502,"sentiment":"neutral","sentiment_score":0.15439769625663757}],"sentiment":"neutral","sentiment_score":0.15034476044619904,"num_words":29,"start":2473.445,"end":2484.4502},{"sentences":[{"text":"Beautiful.","start":2484.6702,"end":2485.1702,"sentiment":"positive","sentiment_score":0.7006492614746094},{"text":"Easy.","start":2485.6301,"end":2486.03,"sentiment":"positive","sentiment_score":0.6411663293838501},{"text":"Well, I hope you have a good day painting the fence.","start":2486.03,"end":2488.1902,"sentiment":"positive","sentiment_score":0.7536346045407382},{"text":"I hope you enjoy the rest of your day.","start":2488.1902,"end":2490.05,"sentiment":"positive","sentiment_score":0.7585458291901482},{"text":"Easy.","start":2493.3728,"end":2493.7727,"sentiment":"positive","sentiment_score":0.5628864765167236}],"sentiment":"positive","sentiment_score":0.7400693556536799,"num_words":23,"start":2484.6702,"end":2493.7727},{"sentences":[{"text":"Thank you so much for your time, Paul.","start":2493.7727,"end":2495.6328,"sentiment":"positive","sentiment_score":0.8149057179689407},{"text":"Easy.","start":2495.6929,"end":2496.0127,"sentiment":"positive","sentiment_score":0.7277421951293945},{"text":"You have a great day.","start":2496.0127,"end":2496.9727,"sentiment":"positive","sentiment_score":0.8081834554672241},{"text":"Thank you.","start":2496.9727,"end":2497.6128,"sentiment":"positive","sentiment_score":0.563024491071701},{"text":"See you later.","start":2497.6128,"end":2498.4329,"sentiment":"positive","sentiment_score":0.33709852894147235}],"sentiment":"positive","sentiment_score":0.7065920939570979,"num_words":19,"start":2493.7727,"end":2498.4329},{"sentences":[{"text":"Bye.","start":2498.5728,"end":2499.0728,"sentiment":"neutral","sentiment_score":0.2337477207183838}],"sentiment":"neutral","sentiment_score":0.2337477207183838,"num_words":1,"start":2498.5728,"end":2499.0728}]}}]},{"alternatives":[{"transcript":"Paul speaking. Hello? Good. How are you? I hate completely forgot about that, but, yeah, we can do it. Yep. No. It's okay. We can do it now. That's all good. Yeah. A bit of a big one. That's all. Yep. That's fine. Okay. It's Paul Joseph Solas. 01/18/1989. 5 Wooding Place in Sterling. Yeah. It should be alright. I'll have to do it through the phone because they don't have a laptop, but this is just fine. That should be the one. Let me just see if it's come through. The missus I've got the day off today, but the missus starts a new job today, and my little five month old baby has just started daycare today. So dropping all the kids off and all that sort of stuff. So it's all been go. Yeah. Yeah. Yeah. And picking up the shopping and all that sort of stuff. And now I was supposed to get the paint in the fence, but that's alright. All good. We'll keep going with this. No. You're alright. All good. That's fine. It's pretty important to check your reviews as well. I think I think last time I did a review, we were gonna talk about doing a a big one. Yeah. I've got your request. That's the one. Yep. That's come through. Big big old big old put review because I haven't had one I had a big one in a while. Yes. Sounds good. I'm sign a sign request. Is that the one? So I click on sign document. Is that right? Yep. Cool. Alright. There it goes. That's my TV and last year. I think we looked at this one pretty closely last year. The Zurich insurance. Yep. Out of that out of that $30 increase, how much of that was my own contributions, and how much was that? Yeah. Cool. Okay. 15 on? Yep. Yep. Yep. Yeah. Yes. Yep. Yep. Yep. Yeah. So that would be going all to my to my spouse at first. Yeah. And this is yep. So yeah. Well, that would that would more than easily cover the mortgage and, yeah, probably give a a year or two off. So It It is I think it is still around $3.10 maybe, maybe lower. But having said that yeah. But having said that, in the offset, I think we've got something like a 150,000. So it's really probably about half that. Yeah. That's $215. So it's probably so it's probably only owe about a 100,000 on the on the mortgage. Yeah. So is that Pretty much the main box. Yeah. Yeah. Yeah. It it takes hard to tell for sure because my because my income is heavily impacted by how much overtime is there, basically. So I think my if I remember what I let me just go pull up one of my payslips. I think my base is around 100, and then it's usually a bit uncomfortable with over time. Any well, it it depends. Yeah. So my annual fare is 107, and then it depends if when the missus is working as well because she does. She just been on maternity leave, but she's just come back to work as well. So I was trying to do a lot less when she when she's working. So yeah. Mobile. But, yeah, in general, it's usually up around 01:21 thirty a year. So Yeah. I think I think that'd be plenty. If not, we could probably reduce it. But I think we went through trying to reduce it last time. That was sort of been seemed but it seems like I've already got a pretty good deal. It's probably not worth reducing it. We got two last time going through it. Mhmm. Yes. Yes. Yeah. That's right. I remember that. Yep. I think we'll probably keep it like that for this year, and then I don't know if we can put a note in for next year to to reduce it because and reassess and reduce because I think the the 2028 year where I'm trying to take a year off and travel around Australia. So there won't be much income sort of coming into it, so don't wanna eat away at night. You know? Probably about March. Yeah. Pretty much is if I've ended myself and beyond being able to function or whatever I'd be able to work, you know, I'll get a CV double, basically. Yep. Yeah. Okay. Yep. Yep. Yeah. No worries. All good. I think I think I could get them in through my work and through my unit. I'm I'm 9095% through work. I've I've got an in income protection clause in my area. Nothing. Well, I'll pro I probably do have the information there. I would have to find those. Yeah. I've I've got I've got my EBA here. My EBA document is 54 pages long. Did you want me to send it to you? Yeah. Cool. Yeah. No worries. We're good. Yep. Yeah. Yeah. Probably not not. I'm pretty happy where we are at the moment, to be honest, with the with the colors. Yeah. Yeah. Yeah. Who are Yeah. Can you hear? By the way. Yeah. Maybe. Yep. Hold on. Yep. Yeah. Cool. Yes, sir. Yeah. K. Yep. Yep. Yeah. Sounds good, Michelle. Yep. Yeah. That's it. That'd be really good, Jay. I think I think preferably more of a low cost one, to be honest. I like I like the sound of, like, the the the lower end of the fees and then also, yeah, the the ETFs. I I kinda like the the risk profile of the ETFs, I suppose, where it's dealing with the top 200 companies. Cool. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Well, definitely definitely, possibly looking at increasing it, but for the next two years more more probably not in the next two years because more so we're all saving to find to do this big trip. You know what I mean? So my the money sort of forcing more that way than saving for the future at the moment. So investing in in in a big trip around. Yep. Yep. Mhmm. Yes. Yeah. Cool. Alright. Mhmm. Yeah. Okay. The more money I've got more money I've got invested with you guys. Yeah. Yeah. Okay. Mhmm. Mhmm. Okay. Yeah. Yeah. Yeah. I see. Yeah. Yeah. Yeah. Sounds good. Yeah. Cool. But by next year, it will obviously yeah. Some of that, you know, will be above the 200 miles as well. Is that correct? Yeah. I think it's 150,000 ish. Yeah. We'll we'll we'll we'll keep it keep it and rent it. Yeah. Keep it and rent it out. That's that's the loose plan anyways. Yeah. We sort of we'll start going and see when we stop, I suppose. It'd be pretty similar. I suppose, you know, down to maybe five down to $2,020,000, I suppose, now. If you go, you're working a couple of grand yeah. So I suppose the. Yeah. Well, to be honest, I haven't looked at the market, but, yeah, we'll keep it at that. That's fine. Yeah. I was done. I've done payments last year. I think it's up for about 20 now. It's more modest and most of the time, sort of sits in. So I've got I think let me have a quick look. I've got I think it's about $20 in the Comstock account, and I've opened a raise account as well. It's about a thousand bucks Yeah. It's running it's running around exactly. So it's going up. Yeah. Yeah. That'd be fine. That maybe. Hyundai Tucson. It's probably work a little bit less now. Any other big ticket? Yeah. I think that's about a bit. Yeah. Yeah. Yep. Yeah. We have you. Yeah. It should be. Yeah. Yeah. It should be. Yes. Yes. My mom said add. We've had a baby since then, but I think it's just ads. So I think it's written a cause in the ads for for all our children even if she's not named. She might be named otherwise. Yeah. I think I think I think we've got all that in certain place. Yeah. Yeah. So it's probably the the document. Yep. Yep. I understand. What's that? What sorry. Say that spell that question again. What is the what what happened in school? It'll rather be just write it out or yeah. Pro or or look. I'm trying to get the cash, but I feel like you're probably better off of those scenarios to write it out usually, I guess. Yes. Yes. Yes. Yes. Yep. Obviously, everyone feels anxious, but Sony becomes a big concern for me if everything else is starting to fall apart. You know what I mean? The whole the whole world starts to fall apart. Then in a second. You're concerned about the sofa because the sofa is just the stopping up of doing it. So it's just gonna go up and down and imagine. Anyway, it's like like all things. Probably moderate to high risk just because of, like you say, it's still at twenty years or so. But I don't wanna see see how to deal all my money eroding by making the wrong call. So yeah. I need to do more research into it, you know, some think about I I like the idea, and I probably should be putting more time into thinking about it. But at this point in time, I just three young kids who just end up not thinking about it enough. Yes? That's exactly right. Yep. Yep. Yes. Yeah. It's it's a that sounds pretty good here. Yep. Mhmm. Mhmm. Yeah. Yeah. That sounds right. I don't I don't know if I I can access the speaker at sixty, but I can't access the don't get attention to a moment. 70. Is that correct? 60 seven? Yeah. Yeah. Cool. One other thing is within the last four and a half year, I mean, last four and a half year, I inherited a a lot of some of the money, so about a 100 and $50,000 loan, something like that. So I've just probably basically put it all straight into the mortgage for now. I'm just sort of double checking that's the sort of the best way to go. I suppose the best way to go. And is there is there gonna be any more tax implications from in erroring the money as well? Potentially. Yeah. Yeah. Yep. Yep. I'm late. Thank you. Good bye. Stay close. Yeah. I mean, ideally, we'd have it sort of paid up paid off by a time ago, which is almost always pretty close. You know what I mean? But then we'll be taking some of that money back out of the offset to, like, caravans and whatever else. Yes. Yes. Still get the input. Yeah. I mean, that's it. It's it's basically getting a a 6% return on your more on your money, aren't you, because you're saving 6% in your mortgage. Yeah. Yeah. No. That no. That's fine. That's good. No worries. Yeah. Sounds good. So I'll sign it over now. And then you'll you'll give me a call in a couple of weeks, and I'll go through what we're gonna change over. Yeah. Sweet. Sounds good. So do you want me to send me through do you want me to send you through my EBI as well? No worries. Cool. You too. Have a good one. Thank you. Thank you. Well, you catch that. 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speaking. Hello? Good. How are you? I hate completely forgot about that, but, yeah, we can do it.\n\nYep. No. It's okay. We can do it now. That's all good.\n\nYeah. A bit of a big one. That's all. Yep. That's fine.\n\nOkay. It's Paul Joseph Solas. 01/18/1989. 5 Wooding Place in Sterling. Yeah.\n\nIt should be alright. I'll have to do it through the phone because they don't have a laptop, but this is just fine. That should be the one. Let me just see if it's come through. The missus I've got the day off today, but the missus starts a new job today, and my little five month old baby has just started daycare today.\n\nSo dropping all the kids off and all that sort of stuff. So it's all been go. Yeah. Yeah. Yeah.\n\nAnd picking up the shopping and all that sort of stuff. And now I was supposed to get the paint in the fence, but that's alright. All good. We'll keep going with this. No.\n\nYou're alright. All good. That's fine. It's pretty important to check your reviews as well. I think I think last time I did a review, we were gonna talk about doing a a big one.\n\nYeah. I've got your request. That's the one. Yep. That's come through.\n\nBig big old big old put review because I haven't had one I had a big one in a while. Yes. Sounds good. I'm sign a sign request. Is that the one?\n\nSo I click on sign document. Is that right? Yep. Cool. Alright.\n\nThere it goes. That's my TV and last year. I think we looked at this one pretty closely last year. The Zurich insurance. Yep.\n\nOut of that out of that $30 increase, how much of that was my own contributions, and how much was that? Yeah. Cool. Okay. 15 on?\n\nYep. Yep. Yep. Yeah. Yes.\n\nYep. Yep. Yep. Yeah. So that would be going all to my to my spouse at first.\n\nYeah. And this is yep. So yeah. Well, that would that would more than easily cover the mortgage and, yeah, probably give a a year or two off. So It It is I think it is still around $3.10 maybe, maybe lower.\n\nBut having said that yeah. But having said that, in the offset, I think we've got something like a 150,000. So it's really probably about half that. Yeah. That's $215.\n\nSo it's probably so it's probably only owe about a 100,000 on the on the mortgage. Yeah. So is that Pretty much the main box. Yeah. Yeah.\n\nYeah. It it takes hard to tell for sure because my because my income is heavily impacted by how much overtime is there, basically. So I think my if I remember what I let me just go pull up one of my payslips. I think my base is around 100, and then it's usually a bit uncomfortable with over time. Any well, it it depends.\n\nYeah. So my annual fare is 107, and then it depends if when the missus is working as well because she does. She just been on maternity leave, but she's just come back to work as well. So I was trying to do a lot less when she when she's working. So yeah.\n\nMobile. But, yeah, in general, it's usually up around 01:21 thirty a year. So Yeah. I think I think that'd be plenty. If not, we could probably reduce it.\n\nBut I think we went through trying to reduce it last time. That was sort of been seemed but it seems like I've already got a pretty good deal. It's probably not worth reducing it. We got two last time going through it. Mhmm.\n\nYes. Yes. Yeah. That's right. I remember that.\n\nYep. I think we'll probably keep it like that for this year, and then I don't know if we can put a note in for next year to to reduce it because and reassess and reduce because I think the the 2028 year where I'm trying to take a year off and travel around Australia. So there won't be much income sort of coming into it, so don't wanna eat away at night. You know? Probably about March.\n\nYeah. Pretty much is if I've ended myself and beyond being able to function or whatever I'd be able to work, you know, I'll get a CV double, basically. Yep. Yeah. Okay.\n\nYep. Yep. Yeah. No worries. All good.\n\nI think I think I could get them in through my work and through my unit. I'm I'm 9095% through work. I've I've got an in income protection clause in my area. Nothing. Well, I'll pro I probably do have the information there.\n\nI would have to find those. Yeah. I've I've got I've got my EBA here. My EBA document is 54 pages long. Did you want me to send it to you?\n\nYeah. Cool. Yeah. No worries. We're good.\n\nYep. Yeah. Yeah. Probably not not. I'm pretty happy where we are at the moment, to be honest, with the with the colors.\n\nYeah. Yeah. Yeah. Who are Yeah. Can you hear?\n\nBy the way. Yeah. Maybe. Yep. Hold on.\n\nYep. Yeah. Cool. Yes, sir. Yeah.\n\nK. Yep. Yep. Yeah. Sounds good, Michelle.\n\nYep. Yeah. That's it. That'd be really good, Jay. I think I think preferably more of a low cost one, to be honest.\n\nI like I like the sound of, like, the the the lower end of the fees and then also, yeah, the the ETFs. I I kinda like the the risk profile of the ETFs, I suppose, where it's dealing with the top 200 companies. Cool. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nWell, definitely definitely, possibly looking at increasing it, but for the next two years more more probably not in the next two years because more so we're all saving to find to do this big trip. You know what I mean? So my the money sort of forcing more that way than saving for the future at the moment. So investing in in in a big trip around. Yep.\n\nYep. Mhmm. Yes. Yeah. Cool.\n\nAlright. Mhmm. Yeah. Okay. The more money I've got more money I've got invested with you guys.\n\nYeah. Yeah. Okay. Mhmm. Mhmm.\n\nOkay. Yeah. Yeah. Yeah. I see.\n\nYeah. Yeah. Yeah. Sounds good. Yeah.\n\nCool. But by next year, it will obviously yeah. Some of that, you know, will be above the 200 miles as well. Is that correct? Yeah.\n\nI think it's 150,000 ish. Yeah. We'll we'll we'll we'll keep it keep it and rent it. Yeah. Keep it and rent it out.\n\nThat's that's the loose plan anyways. Yeah. We sort of we'll start going and see when we stop, I suppose. It'd be pretty similar. I suppose, you know, down to maybe five down to $2,020,000, I suppose, now.\n\nIf you go, you're working a couple of grand yeah. So I suppose the. Yeah. Well, to be honest, I haven't looked at the market, but, yeah, we'll keep it at that. That's fine.\n\nYeah. I was done. I've done payments last year. I think it's up for about 20 now. It's more modest and most of the time, sort of sits in.\n\nSo I've got I think let me have a quick look. I've got I think it's about $20 in the Comstock account, and I've opened a raise account as well. It's about a thousand bucks Yeah. It's running it's running around exactly. So it's going up.\n\nYeah. Yeah. That'd be fine. That maybe. Hyundai Tucson.\n\nIt's probably work a little bit less now. Any other big ticket? Yeah. I think that's about a bit. Yeah.\n\nYeah. Yep. Yeah. We have you. Yeah.\n\nIt should be. Yeah. Yeah. It should be. Yes.\n\nYes. My mom said add. We've had a baby since then, but I think it's just ads. So I think it's written a cause in the ads for for all our children even if she's not named. She might be named otherwise.\n\nYeah. I think I think I think we've got all that in certain place. Yeah. Yeah. So it's probably the the document.\n\nYep. Yep. I understand. What's that? What sorry.\n\nSay that spell that question again. What is the what what happened in school? It'll rather be just write it out or yeah. Pro or or look. I'm trying to get the cash, but I feel like you're probably better off of those scenarios to write it out usually, I guess.\n\nYes. Yes. Yes. Yes. Yep.\n\nObviously, everyone feels anxious, but Sony becomes a big concern for me if everything else is starting to fall apart. You know what I mean? The whole the whole world starts to fall apart. Then in a second. You're concerned about the sofa because the sofa is just the stopping up of doing it.\n\nSo it's just gonna go up and down and imagine. Anyway, it's like like all things. Probably moderate to high risk just because of, like you say, it's still at twenty years or so. But I don't wanna see see how to deal all my money eroding by making the wrong call. So yeah.\n\nI need to do more research into it, you know, some think about I I like the idea, and I probably should be putting more time into thinking about it. But at this point in time, I just three young kids who just end up not thinking about it enough. Yes? That's exactly right. Yep.\n\nYep. Yes. Yeah. It's it's a that sounds pretty good here. Yep.\n\nMhmm. Mhmm. Yeah. Yeah. That sounds right.\n\nI don't I don't know if I I can access the speaker at sixty, but I can't access the don't get attention to a moment. 70. Is that correct? 60 seven? Yeah.\n\nYeah. Cool. One other thing is within the last four and a half year, I mean, last four and a half year, I inherited a a lot of some of the money, so about a 100 and $50,000 loan, something like that. So I've just probably basically put it all straight into the mortgage for now. I'm just sort of double checking that's the sort of the best way to go.\n\nI suppose the best way to go. And is there is there gonna be any more tax implications from in erroring the money as well? Potentially. Yeah. Yeah.\n\nYep. Yep. I'm late. Thank you. Good bye.\n\nStay close. Yeah. I mean, ideally, we'd have it sort of paid up paid off by a time ago, which is almost always pretty close. You know what I mean? But then we'll be taking some of that money back out of the offset to, like, caravans and whatever else.\n\nYes. Yes. Still get the input. Yeah. I mean, that's it.\n\nIt's it's basically getting a a 6% return on your more on your money, aren't you, because you're saving 6% in your mortgage. Yeah. Yeah. No. That no.\n\nThat's fine. That's good. No worries. Yeah. Sounds good.\n\nSo I'll sign it over now. And then you'll you'll give me a call in a couple of weeks, and I'll go through what we're gonna change over. Yeah. Sweet. Sounds good.\n\nSo do you want me to send me through do you want me to send you through my EBI as well? No worries. Cool. You too. Have a good one.\n\nThank you. Thank you. Well, you catch that. Bye.","paragraphs":[{"sentences":[{"text":"Paul speaking.","start":0.16,"end":0.98,"sentiment":"neutral","sentiment_score":0.019908165559172627},{"text":"Hello?","start":5.92,"end":6.42,"sentiment":"neutral","sentiment_score":0.03985314816236496},{"text":"Good.","start":10.32,"end":10.559999,"sentiment":"positive","sentiment_score":0.4805965423583984},{"text":"How are you?","start":10.559999,"end":11.38,"sentiment":"positive","sentiment_score":0.3437683979670207},{"text":"I hate completely forgot about that, but, yeah, we can do it.","start":18.404999,"end":20.645,"sentiment":"neutral","sentiment_score":0.014058213060100874}],"sentiment":"neutral","sentiment_score":0.09264577748744111,"num_words":19,"start":0.16,"end":20.645},{"sentences":[{"text":"Yep.","start":20.645,"end":21.145,"sentiment":"neutral","sentiment_score":0.08796006441116333},{"text":"No.","start":27.22,"end":27.380001,"sentiment":"neutral","sentiment_score":-0.04490458965301514},{"text":"It's okay.","start":27.380001,"end":27.94,"sentiment":"neutral","sentiment_score":-0.0027145622298121452},{"text":"We can do it now.","start":27.94,"end":28.66,"sentiment":"neutral","sentiment_score":0.08825741857290267},{"text":"That's all good.","start":28.66,"end":29.48,"sentiment":"neutral","sentiment_score":0.26071953525145847}],"sentiment":"neutral","sentiment_score":0.10508933740978439,"num_words":12,"start":20.645,"end":29.48},{"sentences":[{"text":"Yeah.","start":33.54,"end":33.86,"sentiment":"neutral","sentiment_score":0.02016635425388813},{"text":"A bit of a big one.","start":33.86,"end":34.82,"sentiment":"neutral","sentiment_score":-0.025242437918980915},{"text":"That's all.","start":34.82,"end":35.56,"sentiment":"neutral","sentiment_score":0.020308276172727346},{"text":"Yep.","start":46.635002,"end":47.035,"sentiment":"neutral","sentiment_score":0.14325200021266937},{"text":"That's fine.","start":47.035,"end":47.855,"sentiment":"neutral","sentiment_score":0.3268249034881592}],"sentiment":"neutral","sentiment_score":0.058852507189537086,"num_words":12,"start":33.54,"end":47.855},{"sentences":[{"text":"Okay.","start":56.93,"end":57.33,"sentiment":"neutral","sentiment_score":0.061371952295303345},{"text":"It's Paul Joseph Solas.","start":57.33,"end":59.350002,"sentiment":"neutral","sentiment_score":0.04191668424755335},{"text":"01/18/1989.","start":60.050003,"end":62.31,"sentiment":"neutral","sentiment_score":0.02542330138385296},{"text":"5 Wooding Place in Sterling.","start":63.09,"end":64.950005,"sentiment":"neutral","sentiment_score":0.02215721532702446},{"text":"Yeah.","start":75.705,"end":76.025,"sentiment":"neutral","sentiment_score":0.04080740362405777}],"sentiment":"neutral","sentiment_score":0.03383795591071248,"num_words":12,"start":56.93,"end":76.025},{"sentences":[{"text":"It should be alright.","start":76.025,"end":76.825,"sentiment":"neutral","sentiment_score":0.04433980816975236},{"text":"I'll have to do it through the phone because they don't have a laptop, but this is just fine.","start":76.825,"end":81.005005,"sentiment":"neutral","sentiment_score":0.026807175655114025},{"text":"That should be the one.","start":91.24,"end":92.78,"sentiment":"neutral","sentiment_score":0.15168143361806868},{"text":"Let me just see if it's come through.","start":96.439995,"end":98.299995,"sentiment":"neutral","sentiment_score":0.25349002331495285},{"text":"The missus I've got the day off today, but the missus starts a new job today, and my little five month old baby has just started daycare today.","start":106.065,"end":114.920006,"sentiment":"neutral","sentiment_score":0.04568449707169618}],"sentiment":"neutral","sentiment_score":0.0742529506678693,"num_words":64,"start":76.025,"end":114.920006},{"sentences":[{"text":"So dropping all the kids off and all that sort of stuff.","start":115.380005,"end":117.46001,"sentiment":"neutral","sentiment_score":-0.013658338226377964},{"text":"So it's all been go.","start":117.46001,"end":118.68,"sentiment":"neutral","sentiment_score":0.034467820823192594},{"text":"Yeah.","start":121.3,"end":121.700005,"sentiment":"neutral","sentiment_score":0.039702266454696655},{"text":"Yeah.","start":121.700005,"end":122.18,"sentiment":"neutral","sentiment_score":0.03507290780544281},{"text":"Yeah.","start":122.18,"end":122.58,"sentiment":"neutral","sentiment_score":0.02377216145396233}],"sentiment":"neutral","sentiment_score":0.00534931905567646,"num_words":20,"start":115.380005,"end":122.58},{"sentences":[{"text":"And picking up the shopping and all that sort of stuff.","start":122.58,"end":124.82,"sentiment":"neutral","sentiment_score":-0.013106262650002132},{"text":"And now I was supposed to get the paint in the fence, but that's alright.","start":124.82,"end":127.465,"sentiment":"neutral","sentiment_score":0.0003781664495666822},{"text":"All good.","start":127.465,"end":127.945,"sentiment":"neutral","sentiment_score":0.2990158200263977},{"text":"We'll keep going with this.","start":127.945,"end":131.885,"sentiment":"neutral","sentiment_score":0.014534609019756317},{"text":"No.","start":134.105,"end":134.345,"sentiment":"neutral","sentiment_score":-0.12197820842266084}],"sentiment":"neutral","sentiment_score":0.012065590715364498,"num_words":34,"start":122.58,"end":134.345},{"sentences":[{"text":"You're alright.","start":134.345,"end":134.905,"sentiment":"neutral","sentiment_score":-0.11496422439813614},{"text":"All good.","start":134.905,"end":135.64499,"sentiment":"neutral","sentiment_score":-0.26739345490932465},{"text":"That's fine.","start":137.465,"end":138.44499,"sentiment":"neutral","sentiment_score":0.062005531042814255},{"text":"It's pretty important to check your reviews as well.","start":138.58499,"end":141.64499,"sentiment":"neutral","sentiment_score":0.016647956437534757},{"text":"I think I think last time I did a review, we were gonna talk about doing a a big one.","start":142.01,"end":149.76999,"sentiment":"neutral","sentiment_score":-0.020052874647080898}],"sentiment":"neutral","sentiment_score":-0.025483719472374235,"num_words":35,"start":134.345,"end":149.76999},{"sentences":[{"text":"Yeah.","start":149.76999,"end":150.01,"sentiment":"neutral","sentiment_score":0.03297722339630127},{"text":"I've got your request.","start":150.01,"end":151.87,"sentiment":"neutral","sentiment_score":0.04752850066870451},{"text":"That's the one.","start":153.53,"end":154.09,"sentiment":"neutral","sentiment_score":0.04725718746582667},{"text":"Yep.","start":154.09,"end":154.59,"sentiment":"neutral","sentiment_score":0.06334010511636734},{"text":"That's come through.","start":155.29,"end":156.26999,"sentiment":"neutral","sentiment_score":0.15951078633467355}],"sentiment":"neutral","sentiment_score":0.07556127104908228,"num_words":12,"start":149.76999,"end":156.26999},{"sentences":[{"text":"Big big old big old put review because I haven't had one I had a big one in a while.","start":158.325,"end":163.30501,"sentiment":"neutral","sentiment_score":-0.0452149298042059},{"text":"Yes.","start":181.59,"end":182.09,"sentiment":"neutral","sentiment_score":0.14791476726531982},{"text":"Sounds good.","start":183.195,"end":183.935,"sentiment":"positive","sentiment_score":0.34732411801815033},{"text":"I'm sign a sign request.","start":193.995,"end":195.855,"sentiment":"neutral","sentiment_score":0.05020337179303169},{"text":"Is that the one?","start":195.91501,"end":196.895,"sentiment":"neutral","sentiment_score":0.028793491423130035}],"sentiment":"neutral","sentiment_score":0.009514225996099412,"num_words":32,"start":158.325,"end":196.895},{"sentences":[{"text":"So I click on sign document.","start":205.74,"end":207.5,"sentiment":"neutral","sentiment_score":0.042118676317234836},{"text":"Is that right?","start":207.5,"end":208.40001,"sentiment":"neutral","sentiment_score":0.05091016491254171},{"text":"Yep.","start":209.02,"end":209.52,"sentiment":"neutral","sentiment_score":0.07992331683635712},{"text":"Cool.","start":211.58,"end":212.08,"sentiment":"positive","sentiment_score":0.38307446241378784},{"text":"Alright.","start":214.395,"end":214.795,"sentiment":"neutral","sentiment_score":0.3279655873775482}],"sentiment":"neutral","sentiment_score":0.09970049327239394,"num_words":12,"start":205.74,"end":214.795},{"sentences":[{"text":"There it goes.","start":214.795,"end":215.595,"sentiment":"positive","sentiment_score":0.3489380180835724},{"text":"That's my TV and last year.","start":215.595,"end":218.955,"sentiment":"positive","sentiment_score":0.5544494142134985},{"text":"I think we looked at this one pretty closely last year.","start":218.955,"end":222.095,"sentiment":"neutral","sentiment_score":0.17898635972629895},{"text":"The Zurich insurance.","start":222.715,"end":223.855,"sentiment":"neutral","sentiment_score":0.08222734307249387},{"text":"Yep.","start":256.72,"end":257.22,"sentiment":"neutral","sentiment_score":-0.0007470063865184784}],"sentiment":"neutral","sentiment_score":0.27451231330633163,"num_words":24,"start":214.795,"end":257.22},{"sentences":[{"text":"Out of that out of that $30 increase, how much of that was my own contributions, and how much was that?","start":266.08,"end":274.42502,"sentiment":"neutral","sentiment_score":0.10883099922821635},{"text":"Yeah.","start":285.3,"end":285.62,"sentiment":"neutral","sentiment_score":0.25463610887527466},{"text":"Cool.","start":285.62,"end":286.02,"sentiment":"neutral","sentiment_score":0.15950754284858704},{"text":"Okay.","start":286.02,"end":286.52,"sentiment":"neutral","sentiment_score":0.06483086198568344},{"text":"15 on?","start":287.53998,"end":288.52,"sentiment":"neutral","sentiment_score":-0.04866589233279228}],"sentiment":"neutral","sentiment_score":0.10258052741678861,"num_words":26,"start":266.08,"end":288.52},{"sentences":[{"text":"Yep.","start":302.57498,"end":303.07498,"sentiment":"positive","sentiment_score":0.37472546100616455},{"text":"Yep.","start":307.75,"end":308.25,"sentiment":"neutral","sentiment_score":0.03257661312818527},{"text":"Yep.","start":319.11,"end":319.61,"sentiment":"neutral","sentiment_score":0.23131120204925537},{"text":"Yeah.","start":323.465,"end":323.965,"sentiment":"neutral","sentiment_score":0.28096631169319153},{"text":"Yes.","start":340.78,"end":341.28,"sentiment":"neutral","sentiment_score":0.02039238438010216}],"sentiment":"neutral","sentiment_score":0.18799439445137978,"num_words":5,"start":302.57498,"end":341.28},{"sentences":[{"text":"Yep.","start":359.175,"end":359.675,"sentiment":"neutral","sentiment_score":0.011531155556440352},{"text":"Yep.","start":365.54,"end":366.04,"sentiment":"neutral","sentiment_score":0.022706087678670883},{"text":"Yep.","start":369.46,"end":369.96,"sentiment":"neutral","sentiment_score":0.0010029587429016829},{"text":"Yeah.","start":372.5,"end":373.0,"sentiment":"neutral","sentiment_score":-0.005078739486634731},{"text":"So that would be going all to my to my spouse at first.","start":379.685,"end":383.145,"sentiment":"neutral","sentiment_score":-0.058750562369823456}],"sentiment":"neutral","sentiment_score":-0.04315269695978392,"num_words":17,"start":359.175,"end":383.145},{"sentences":[{"text":"Yeah.","start":383.205,"end":383.705,"sentiment":"neutral","sentiment_score":0.05446227639913559},{"text":"And this is yep.","start":383.845,"end":386.66498,"sentiment":"neutral","sentiment_score":0.14245570451021194},{"text":"So yeah.","start":390.05,"end":390.45,"sentiment":"neutral","sentiment_score":0.033012064173817635},{"text":"Well, that would that would more than easily cover the mortgage and, yeah, probably give a a year or two off.","start":390.45,"end":396.63,"sentiment":"neutral","sentiment_score":0.07861499718966938},{"text":"So It It is I think it is still around $3.10 maybe, maybe 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$215.","start":436.635,"end":438.415,"sentiment":"neutral","sentiment_score":0.015691653359681368}],"sentiment":"neutral","sentiment_score":-0.004025367042049766,"num_words":30,"start":411.645,"end":438.415},{"sentences":[{"text":"So it's probably so it's probably only owe about a 100,000 on the on the mortgage.","start":439.275,"end":443.615,"sentiment":"neutral","sentiment_score":0.0011583279410842804},{"text":"Yeah.","start":451.11002,"end":451.59,"sentiment":"neutral","sentiment_score":0.07917509973049164},{"text":"So is that Pretty much the main box.","start":451.59,"end":460.39,"sentiment":"neutral","sentiment_score":0.02885219594463706},{"text":"Yeah.","start":460.39,"end":460.89,"sentiment":"neutral","sentiment_score":0.008547002449631691},{"text":"Yeah.","start":462.31,"end":462.81,"sentiment":"neutral","sentiment_score":0.01864222064614296}],"sentiment":"neutral","sentiment_score":0.013174634720026343,"num_words":27,"start":439.275,"end":462.81},{"sentences":[{"text":"Yeah.","start":467.055,"end":467.375,"sentiment":"neutral","sentiment_score":0.0012381626293063164},{"text":"It it takes hard to tell for sure because my because my income is heavily impacted by how much overtime is there, basically.","start":467.375,"end":476.19498,"sentiment":"neutral","sentiment_score":-0.1958877019908117},{"text":"So I think my if I remember what I let me just go pull up one of my payslips.","start":476.97,"end":484.19,"sentiment":"neutral","sentiment_score":-0.052005255888951454},{"text":"I think my base is around 100, and then it's usually a bit uncomfortable with over time.","start":484.41,"end":495.615,"sentiment":"neutral","sentiment_score":-0.09703662553254296},{"text":"Any well, it it depends.","start":497.435,"end":501.85498,"sentiment":"neutral","sentiment_score":-0.043951427936553954}],"sentiment":"neutral","sentiment_score":-0.11325628644285293,"num_words":65,"start":467.055,"end":501.85498},{"sentences":[{"text":"Yeah.","start":501.995,"end":502.315,"sentiment":"neutral","sentiment_score":-0.012772385962307451},{"text":"So my annual fare is 107, and then it depends if when the missus is working as well because she does.","start":502.315,"end":509.56,"sentiment":"neutral","sentiment_score":-0.023315514792643842},{"text":"She just been on maternity leave, but she's just come back to work as well.","start":509.56,"end":512.28,"sentiment":"neutral","sentiment_score":-0.07574362258116404},{"text":"So I was trying to do a lot less when she when she's working.","start":512.28,"end":515.74,"sentiment":"neutral","sentiment_score":0.011613618249871902},{"text":"So yeah.","start":516.44,"end":517.83,"sentiment":"neutral","sentiment_score":0.0634279940277338}],"sentiment":"neutral","sentiment_score":-0.025454828146634238,"num_words":53,"start":501.995,"end":517.83},{"sentences":[{"text":"Mobile.","start":518.75494,"end":519.25494,"sentiment":"neutral","sentiment_score":0.21910980343818665},{"text":"But, yeah, in general, it's usually up around 01:21 thirty a year.","start":521.475,"end":526.595,"sentiment":"neutral","sentiment_score":0.15904712087164322},{"text":"So Yeah.","start":526.595,"end":556.355,"sentiment":"neutral","sentiment_score":0.034972239285707474},{"text":"I think I think that'd be plenty.","start":556.355,"end":559.795,"sentiment":"neutral","sentiment_score":0.016965468281081746},{"text":"If not, we could probably reduce 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it.","start":571.33,"end":573.51,"sentiment":"neutral","sentiment_score":-0.030030507827177644},{"text":"Mhmm.","start":575.415,"end":575.915,"sentiment":"neutral","sentiment_score":-0.026198968291282657}],"sentiment":"neutral","sentiment_score":-0.09421528930860487,"num_words":44,"start":561.65,"end":575.915},{"sentences":[{"text":"Yes.","start":582.9525,"end":583.4525,"sentiment":"neutral","sentiment_score":0.0017619449645280838},{"text":"Yes.","start":600.73,"end":601.23,"sentiment":"neutral","sentiment_score":0.0902967005968094},{"text":"Yeah.","start":619.04,"end":619.27997,"sentiment":"neutral","sentiment_score":0.02457108348608017},{"text":"That's right.","start":619.27997,"end":619.83997,"sentiment":"neutral","sentiment_score":0.10774949193000793},{"text":"I remember that.","start":619.83997,"end":620.82,"sentiment":"neutral","sentiment_score":0.04270648335417112}],"sentiment":"neutral","sentiment_score":0.05753102037124336,"num_words":8,"start":582.9525,"end":620.82},{"sentences":[{"text":"Yep.","start":647.59,"end":648.09,"sentiment":"neutral","sentiment_score":-0.073606938123703},{"text":"I think we'll probably keep it like that for this year, and then I don't know if we can put a note in for next year to to reduce it because and reassess and reduce because I think the the 2028 year where I'm trying to take a year off and travel around Australia.","start":655.91003,"end":671.955,"sentiment":"neutral","sentiment_score":0.009194013817856709},{"text":"So there won't be much income sort of coming into it, so don't wanna eat away at night.","start":672.175,"end":676.74,"sentiment":"neutral","sentiment_score":-0.08357128138757414},{"text":"You know?","start":676.74,"end":683.88,"sentiment":"neutral","sentiment_score":0.06672661378979683},{"text":"Probably about March.","start":687.54,"end":688.5,"sentiment":"neutral","sentiment_score":0.04874264448881149}],"sentiment":"neutral","sentiment_score":-0.010278616613971118,"num_words":78,"start":647.59,"end":688.5},{"sentences":[{"text":"Yeah.","start":688.5,"end":689.0,"sentiment":"neutral","sentiment_score":0.06350070983171463},{"text":"Pretty much is if I've ended myself and beyond being able to function or whatever I'd be able to work, you know, I'll get a CV double, basically.","start":702.02997,"end":715.64996,"sentiment":"neutral","sentiment_score":-0.09993435109832458},{"text":"Yep.","start":726.485,"end":726.985,"sentiment":"neutral","sentiment_score":0.026478812098503113},{"text":"Yeah.","start":763.76,"end":764.08,"sentiment":"neutral","sentiment_score":0.012198513373732569},{"text":"Okay.","start":764.08,"end":764.58,"sentiment":"neutral","sentiment_score":0.0351829007267952}],"sentiment":"neutral","sentiment_score":-0.0831500279600732,"num_words":32,"start":688.5,"end":764.58},{"sentences":[{"text":"Yep.","start":792.68,"end":793.18,"sentiment":"neutral","sentiment_score":-0.007269670721143484},{"text":"Yep.","start":807.015,"end":807.515,"sentiment":"positive","sentiment_score":0.38355207443237305},{"text":"Yeah.","start":813.44,"end":813.94,"sentiment":"neutral","sentiment_score":0.15640293061733246},{"text":"No worries.","start":814.16003,"end":814.9,"sentiment":"neutral","sentiment_score":0.2484651654958725},{"text":"All 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definitely definitely, possibly looking at increasing it, but for the next two years more more probably not in the next two years because more so we're all saving to find to do this big trip.","start":1261.165,"end":1275.83,"sentiment":"neutral","sentiment_score":-0.05514624761417508},{"text":"You know what I mean?","start":1275.83,"end":1276.55,"sentiment":"neutral","sentiment_score":0.00237676203250885},{"text":"So my the money sort of forcing more that way than saving for the future at the moment.","start":1276.55,"end":1284.0701,"sentiment":"neutral","sentiment_score":-0.013704298478033807},{"text":"So investing in in in a big trip 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otherwise.","start":1755.76,"end":1757.3,"sentiment":"neutral","sentiment_score":-0.02107512466609478}],"sentiment":"neutral","sentiment_score":-0.008939935570760142,"num_words":42,"start":1744.545,"end":1757.3},{"sentences":[{"text":"Yeah.","start":1766.235,"end":1766.475,"sentiment":"neutral","sentiment_score":-0.03327183425426483},{"text":"I think I think I think we've got all that in certain place.","start":1766.475,"end":1769.435,"sentiment":"neutral","sentiment_score":-0.03182246450048227},{"text":"Yeah.","start":1769.435,"end":1769.935,"sentiment":"neutral","sentiment_score":0.023857925087213516},{"text":"Yeah.","start":1771.595,"end":1771.8351,"sentiment":"neutral","sentiment_score":0.1308770626783371},{"text":"So it's probably the the document.","start":1771.8351,"end":1773.535,"sentiment":"neutral","sentiment_score":0.27868740757306415}],"sentiment":"neutral","sentiment_score":0.06272252547470006,"num_words":22,"start":1766.235,"end":1773.535},{"sentences":[{"text":"Yep.","start":1785.66,"end":1785.8201,"sentiment":"neutral","sentiment_score":0.055390071123838425},{"text":"Yep.","start":1785.8201,"end":1786.3,"sentiment":"neutral","sentiment_score":0.051309894770383835},{"text":"I understand.","start":1786.3,"end":1786.9601,"sentiment":"neutral","sentiment_score":0.10861967876553535},{"text":"What's that?","start":1825.875,"end":1826.4349,"sentiment":"neutral","sentiment_score":-0.027838485315442085},{"text":"What sorry.","start":1826.4349,"end":1827.075,"sentiment":"neutral","sentiment_score":-0.06152661517262459}],"sentiment":"neutral","sentiment_score":0.018151140306144953,"num_words":8,"start":1785.66,"end":1827.075},{"sentences":[{"text":"Say that spell that question again.","start":1827.075,"end":1828.74,"sentiment":"neutral","sentiment_score":-0.07145366817712784},{"text":"What is the what what happened in school?","start":1829.0599,"end":1831.24,"sentiment":"neutral","sentiment_score":-0.0467611406929791},{"text":"It'll rather be just write it out or yeah.","start":1844.675,"end":1851.3151,"sentiment":"neutral","sentiment_score":-0.03694669115874502},{"text":"Pro or or look.","start":1851.3151,"end":1852.675,"sentiment":"neutral","sentiment_score":-0.0411064587533474},{"text":"I'm trying to get the cash, but I feel like you're probably better off of those scenarios to write it out usually, I guess.","start":1852.675,"end":1860.6001,"sentiment":"neutral","sentiment_score":-0.13978551902497807}],"sentiment":"neutral","sentiment_score":-0.09126685581663076,"num_words":51,"start":1827.075,"end":1860.6001},{"sentences":[{"text":"Yes.","start":1870.275,"end":1870.775,"sentiment":"neutral","sentiment_score":0.017391055822372437},{"text":"Yes.","start":1870.8351,"end":1871.3351,"sentiment":"neutral","sentiment_score":0.01503556128591299},{"text":"Yes.","start":1872.3551,"end":1872.8551,"sentiment":"neutral","sentiment_score":0.038307785987854},{"text":"Yes.","start":1891.88,"end":1892.38,"sentiment":"neutral","sentiment_score":-0.03801136836409569},{"text":"Yep.","start":1902.6051,"end":1903.1051,"sentiment":"neutral","sentiment_score":0.0037509948015213017}],"sentiment":"neutral","sentiment_score":0.007294805906713009,"num_words":5,"start":1870.275,"end":1903.1051},{"sentences":[{"text":"Obviously, everyone feels anxious, but Sony becomes a big concern for me if everything else is starting to fall apart.","start":1924.075,"end":1934.395,"sentiment":"negative","sentiment_score":-0.36961114704608916},{"text":"You know what I mean?","start":1934.395,"end":1935.035,"sentiment":"neutral","sentiment_score":-0.23580778539180755},{"text":"The whole the whole world starts to fall apart.","start":1935.035,"end":1936.715,"sentiment":"negative","sentiment_score":-0.4685526324643029},{"text":"Then in a second.","start":1936.715,"end":1938.85,"sentiment":"neutral","sentiment_score":-0.08176866360008717},{"text":"You're concerned about the sofa because the sofa is just the stopping up of doing it.","start":1938.85,"end":1942.77,"sentiment":"neutral","sentiment_score":-0.16368426568806171}],"sentiment":"neutral","sentiment_score":-0.2913751567679423,"num_words":54,"start":1924.075,"end":1942.77},{"sentences":[{"text":"So it's just gonna go up and down and imagine.","start":1942.77,"end":1946.47,"sentiment":"neutral","sentiment_score":-0.09693813137710094},{"text":"Anyway, it's like like all things.","start":1947.4099,"end":1949.27,"sentiment":"neutral","sentiment_score":0.01344067983639737},{"text":"Probably moderate to high risk just because of, like you say, it's still at twenty years or so.","start":1970.1699,"end":1979.95,"sentiment":"neutral","sentiment_score":-0.07876293330142896},{"text":"But I don't wanna see see how to deal all my money eroding by making the wrong call.","start":1980.215,"end":1987.015,"sentiment":"neutral","sentiment_score":-0.17168813116020626},{"text":"So yeah.","start":1987.015,"end":1989.115,"sentiment":"neutral","sentiment_score":0.0022070500999689085}],"sentiment":"neutral","sentiment_score":-0.09986004249744669,"num_words":54,"start":1942.77,"end":1989.115},{"sentences":[{"text":"I need to do more research into it, you know, some think about I I like the idea, and I probably should be putting more time into thinking about it.","start":2006.7799,"end":2016.225,"sentiment":"neutral","sentiment_score":0.1366764704386393},{"text":"But at this point in time, I just three young kids who just end up not thinking about it enough.","start":2016.225,"end":2023.6799,"sentiment":"neutral","sentiment_score":-0.06443382911384106},{"text":"Yes?","start":2023.6799,"end":2024.1799,"sentiment":"neutral","sentiment_score":-0.017084766179323196},{"text":"That's exactly right.","start":2027.84,"end":2029.14,"sentiment":"neutral","sentiment_score":0.024269109378413607},{"text":"Yep.","start":2029.28,"end":2029.78,"sentiment":"neutral","sentiment_score":0.04171328991651535}],"sentiment":"neutral","sentiment_score":0.05289187968645075,"num_words":55,"start":2006.7799,"end":2029.78},{"sentences":[{"text":"Yep.","start":2046.825,"end":2047.325,"sentiment":"neutral","sentiment_score":0.06798773258924484},{"text":"Yes.","start":2053.03,"end":2053.53,"sentiment":"neutral","sentiment_score":0.051349472254514694},{"text":"Yeah.","start":2086.69,"end":2087.0498,"sentiment":"neutral","sentiment_score":0.01345109846442938},{"text":"It's it's a that sounds pretty good here.","start":2087.0498,"end":2090.63,"sentiment":"neutral","sentiment_score":0.18610080261714756},{"text":"Yep.","start":2091.49,"end":2091.99,"sentiment":"neutral","sentiment_score":0.1274404376745224}],"sentiment":"neutral","sentiment_score":0.145752930159991,"num_words":12,"start":2046.825,"end":2091.99},{"sentences":[{"text":"Mhmm.","start":2108.575,"end":2109.075,"sentiment":"neutral","sentiment_score":0.043007079511880875},{"text":"Mhmm.","start":2120.75,"end":2121.25,"sentiment":"neutral","sentiment_score":0.08488250523805618},{"text":"Yeah.","start":2155.625,"end":2156.105,"sentiment":"neutral","sentiment_score":0.025939621031284332},{"text":"Yeah.","start":2156.105,"end":2156.5051,"sentiment":"neutral","sentiment_score":0.025843270123004913},{"text":"That sounds right.","start":2156.5051,"end":2157.325,"sentiment":"neutral","sentiment_score":0.019043412059545517}],"sentiment":"neutral","sentiment_score":0.03382895886898041,"num_words":7,"start":2108.575,"end":2157.325},{"sentences":[{"text":"I don't I don't know if I I can access the speaker at sixty, but I can't access the don't get attention to a moment.","start":2158.825,"end":2167.57,"sentiment":"neutral","sentiment_score":-0.0771908062696457},{"text":"70.","start":2167.57,"end":2168.05,"sentiment":"neutral","sentiment_score":-0.0015088864602148533},{"text":"Is that correct?","start":2168.05,"end":2168.8699,"sentiment":"neutral","sentiment_score":0.0054120660449067754},{"text":"60 seven?","start":2170.85,"end":2171.91,"sentiment":"neutral","sentiment_score":-0.0034194933250546455},{"text":"Yeah.","start":2177.57,"end":2178.07,"sentiment":"neutral","sentiment_score":0.0658765435218811}],"sentiment":"neutral","sentiment_score":-0.05800016525608953,"num_words":32,"start":2158.825,"end":2178.07},{"sentences":[{"text":"Yeah.","start":2203.46,"end":2203.96,"sentiment":"neutral","sentiment_score":0.239128977060318},{"text":"Cool.","start":2204.42,"end":2204.92,"sentiment":"positive","sentiment_score":0.5695646405220032},{"text":"One other thing is within the last four and a half year, I mean, last four and a half year, I inherited a a lot of some of the money, so about a 100 and $50,000 loan, something like that.","start":2218.1648,"end":2232.97,"sentiment":"neutral","sentiment_score":-0.013403394306078554},{"text":"So I've just probably basically put it all straight into the mortgage for now.","start":2232.97,"end":2237.2898,"sentiment":"neutral","sentiment_score":-0.005734458208150629},{"text":"I'm just sort of double checking that's the sort of the best way to go.","start":2237.2898,"end":2240.9548,"sentiment":"neutral","sentiment_score":0.0889144462843736}],"sentiment":"neutral","sentiment_score":0.021492846826629216,"num_words":71,"start":2203.46,"end":2240.9548},{"sentences":[{"text":"I suppose the best way to go.","start":2240.9548,"end":2242.4749,"sentiment":"neutral","sentiment_score":0.11441789673907417},{"text":"And is there is there gonna be any more tax implications from in erroring the money as well?","start":2242.4749,"end":2249.535,"sentiment":"neutral","sentiment_score":-0.04329426876372761},{"text":"Potentially.","start":2288.19,"end":2288.69,"sentiment":"neutral","sentiment_score":0.02644243836402893},{"text":"Yeah.","start":2288.91,"end":2289.41,"sentiment":"neutral","sentiment_score":-0.03951927274465561},{"text":"Yeah.","start":2298.0552,"end":2298.5552,"sentiment":"neutral","sentiment_score":0.14254960417747498}],"sentiment":"neutral","sentiment_score":0.005396471757973943,"num_words":28,"start":2240.9548,"end":2298.5552},{"sentences":[{"text":"Yep.","start":2304.135,"end":2304.635,"sentiment":"neutral","sentiment_score":0.21917513012886047},{"text":"Yep.","start":2311.03,"end":2311.53,"sentiment":"neutral","sentiment_score":0.238784059882164},{"text":"I'm late.","start":2314.23,"end":2314.97,"sentiment":"positive","sentiment_score":0.3779955357313156},{"text":"Thank you.","start":2316.0698,"end":2316.89,"sentiment":"positive","sentiment_score":0.3870200216770172},{"text":"Good bye.","start":2320.23,"end":2320.71,"sentiment":"neutral","sentiment_score":0.3259190768003464}],"sentiment":"neutral","sentiment_score":0.32997855730354786,"num_words":8,"start":2304.135,"end":2320.71},{"sentences":[{"text":"Stay close.","start":2320.71,"end":2321.53,"sentiment":"neutral","sentiment_score":0.25001654028892517},{"text":"Yeah.","start":2326.635,"end":2327.135,"sentiment":"neutral","sentiment_score":0.08769591152667999},{"text":"I mean, ideally, we'd have it sort of paid up paid off by a time ago, which is almost always pretty close.","start":2327.675,"end":2334.895,"sentiment":"neutral","sentiment_score":0.07183339836245234},{"text":"You know what I mean?","start":2335.195,"end":2335.835,"sentiment":"neutral","sentiment_score":0.05000498592853546},{"text":"But then we'll be taking some of that money back out of the offset to, like, caravans and whatever else.","start":2335.835,"end":2341.8398,"sentiment":"neutral","sentiment_score":0.0976130235940218}],"sentiment":"neutral","sentiment_score":0.0874069831520319,"num_words":50,"start":2320.71,"end":2341.8398},{"sentences":[{"text":"Yes.","start":2376.31,"end":2376.81,"sentiment":"neutral","sentiment_score":0.08133086562156677},{"text":"Yes.","start":2379.605,"end":2380.105,"sentiment":"neutral","sentiment_score":0.1168404147028923},{"text":"Still get the input.","start":2386.005,"end":2387.145,"sentiment":"neutral","sentiment_score":0.05063706077635288},{"text":"Yeah.","start":2389.2048,"end":2389.7048,"sentiment":"neutral","sentiment_score":0.09114359319210052},{"text":"I mean, that's it.","start":2390.085,"end":2391.285,"sentiment":"neutral","sentiment_score":0.07788430340588093}],"sentiment":"neutral","sentiment_score":0.07303639365868135,"num_words":11,"start":2376.31,"end":2391.285},{"sentences":[{"text":"It's it's basically getting a a 6% return on your more on your money, aren't you, because you're saving 6% in your mortgage.","start":2391.285,"end":2399.77,"sentiment":"neutral","sentiment_score":0.12803862713601277},{"text":"Yeah.","start":2405.8298,"end":2406.23,"sentiment":"neutral","sentiment_score":0.002094318624585867},{"text":"Yeah.","start":2406.23,"end":2406.73,"sentiment":"neutral","sentiment_score":-0.004245290998369455},{"text":"No.","start":2408.375,"end":2408.535,"sentiment":"neutral","sentiment_score":-0.07882091403007507},{"text":"That no.","start":2408.535,"end":2409.255,"sentiment":"neutral","sentiment_score":-0.08073265850543976}],"sentiment":"neutral","sentiment_score":0.09651611502548414,"num_words":28,"start":2391.285,"end":2409.255},{"sentences":[{"text":"That's fine.","start":2409.255,"end":2409.895,"sentiment":"neutral","sentiment_score":0.00044904742389917374},{"text":"That's good.","start":2409.895,"end":2410.635,"sentiment":"neutral","sentiment_score":0.30836883187294006},{"text":"No worries.","start":2421.415,"end":2422.075,"sentiment":"neutral","sentiment_score":0.1285817213356495},{"text":"Yeah.","start":2429.6802,"end":2430.08,"sentiment":"neutral","sentiment_score":0.2438563108444214},{"text":"Sounds good.","start":2430.08,"end":2430.6401,"sentiment":"positive","sentiment_score":0.42966052889823914}],"sentiment":"neutral","sentiment_score":0.21977517443398634,"num_words":9,"start":2409.255,"end":2430.6401},{"sentences":[{"text":"So I'll sign it over now.","start":2430.6401,"end":2433.3,"sentiment":"neutral","sentiment_score":0.195542111992836},{"text":"And then you'll you'll give me a call in a couple of weeks, and I'll go through what we're gonna change over.","start":2440.1448,"end":2446.325,"sentiment":"neutral","sentiment_score":0.13232974369417538},{"text":"Yeah.","start":2467.485,"end":2467.8052,"sentiment":"positive","sentiment_score":0.38257843255996704},{"text":"Sweet.","start":2467.8052,"end":2468.3052,"sentiment":"positive","sentiment_score":0.6310476660728455},{"text":"Sounds good.","start":2468.7651,"end":2469.5852,"sentiment":"positive","sentiment_score":0.6646201610565186}],"sentiment":"neutral","sentiment_score":0.20085542043671012,"num_words":32,"start":2430.6401,"end":2469.5852},{"sentences":[{"text":"So do you want me to send me through do you want me to send you through my EBI as well?","start":2469.885,"end":2474.5452,"sentiment":"neutral","sentiment_score":0.09704082565648216},{"text":"No worries.","start":2483.64,"end":2484.38,"sentiment":"neutral","sentiment_score":0.13984746113419533},{"text":"Cool.","start":2491.1948,"end":2491.4348,"sentiment":"positive","sentiment_score":0.6982581615447998},{"text":"You too.","start":2491.4348,"end":2492.815,"sentiment":"positive","sentiment_score":0.6010657548904419},{"text":"Have a good one.","start":2492.875,"end":2493.855,"sentiment":"positive","sentiment_score":0.6858630627393723}],"sentiment":"neutral","sentiment_score":0.23204647277792295,"num_words":30,"start":2469.885,"end":2493.855},{"sentences":[{"text":"Thank you.","start":2495.755,"end":2496.4949,"sentiment":"positive","sentiment_score":0.7904544472694397},{"text":"Thank you.","start":2496.875,"end":2497.615,"sentiment":"positive","sentiment_score":0.7022659480571747},{"text":"Well, you catch that.","start":2497.9148,"end":2499.035,"sentiment":"neutral","sentiment_score":0.2735561430454254},{"text":"Bye.","start":2499.035,"end":2499.535,"sentiment":"neutral","sentiment_score":-0.10138839483261108}],"sentiment":"positive","sentiment_score":0.44203077422247994,"num_words":9,"start":2495.755,"end":2499.535}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Paul speaking. Hello?\n\nChannel 0: Hi, Paul. It's Dana from OQ Financial. How are you today?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in to go to your annual review. Is now still a good time there for you?\n\nChannel 1: I hate completely forgot about that, but, yeah, we can do it. Yep.\n\nChannel 0: Yeah. That's okay. If now is not suited, I can always make a more appropriate time for you.\n\nChannel 1: No. It's okay. We can do it now. That's\n\nChannel 0: That's\n\nChannel 1: all good.\n\nChannel 0: that's okay. No worries. So you've had a busy day by the sounds of it.\n\nChannel 1: Yeah. A bit of a big one. That's all.\n\nChannel 0: Yeah. That's okay. Well, I'll try not to take up too much of your time there. But just before we go through the call, just let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Fantastic. And just to do a security check there for you as well, we are discussing your personal information. So I'll get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Okay. It's Paul Joseph Solas.\n\nChannel 0: Yep.\n\nChannel 1: 01/18/1989. 5 Wooding Place in Sterling.\n\nChannel 0: Yep. Beautiful. Thank you so much for that. Paul, we do normally also send through your annual review documents as well for you to review as we are going through them. Are you able to access your emails there at the moment?\n\nChannel 1: Yeah. It should be alright. I'll have to do it through the phone because they don't have a laptop,\n\nChannel 0: Oh,\n\nChannel 1: but this is just\n\nChannel 0: that's\n\nChannel 1: fine.\n\nChannel 0: that's absolutely fine. I'm just sending the email to you now. Just confirming your email address should be solas_89@hotmail.com. No changes to that at all?\n\nChannel 1: That should be the one.\n\nChannel 0: Yep. Excellent.\n\nChannel 1: Let me\n\nChannel 0: All\n\nChannel 1: just\n\nChannel 0: good.\n\nChannel 1: see if it's come through.\n\nChannel 0: Yeah. You're right, honestly. Not a problem at all. You said you had a very busy morning. Been a busy week for you as well?\n\nChannel 1: The missus I've got the day off today, but the missus starts a new job today, and my little five month old baby has just started daycare today. So\n\nChannel 0: Oh,\n\nChannel 1: dropping all the kids\n\nChannel 0: wow.\n\nChannel 1: off and all that sort of stuff. So it's all been go.\n\nChannel 0: Yeah. You you've been doing it all.\n\nChannel 1: Yeah. Yeah. Yeah. And picking\n\nChannel 0: No.\n\nChannel 1: up the shopping and all that sort of stuff. And now I was supposed\n\nChannel 0: Yeah.\n\nChannel 1: to get the paint in the fence, but that's alright. All good. We'll keep\n\nChannel 0: Oh,\n\nChannel 1: going with\n\nChannel 0: yeah. That's okay. Well, I'll try not to\n\nChannel 1: this.\n\nChannel 0: keep up too much of your precious time, and I don't wanna get you\n\nChannel 1: No.\n\nChannel 0: get you\n\nChannel 1: You're\n\nChannel 0: in\n\nChannel 1: alright.\n\nChannel 0: trouble\n\nChannel 1: All\n\nChannel 0: for not\n\nChannel 1: good.\n\nChannel 0: finishing the fence at all.\n\nChannel 1: That's fine. It's pretty important to check your reviews as well. I\n\nChannel 0: Yeah.\n\nChannel 1: think\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: All\n\nChannel 1: think\n\nChannel 0: good.\n\nChannel 1: last time I did a review,\n\nChannel 0: Yeah.\n\nChannel 1: we were gonna talk about doing a a big one. Yeah. I've got your request. That's the one. Yep.\n\nChannel 0: Yep. That's the one.\n\nChannel 1: That's\n\nChannel 0: Yeah.\n\nChannel 1: come through.\n\nChannel 0: Perfect. Fantastic.\n\nChannel 1: Big\n\nChannel 0: So\n\nChannel 1: big\n\nChannel 0: just\n\nChannel 1: old big\n\nChannel 0: kind\n\nChannel 1: old\n\nChannel 0: of\n\nChannel 1: put review because I haven't had one I had a big one in a while.\n\nChannel 0: yeah. Yeah. Absolutely. And that's kinda what we wanna do today is sort of go through everything with you, look at your goals, look at what we're tracking. I have had a bit of a look at your portfolio prior to, you know, doing the review with you today.\n\nSo there's definitely some things that we might be able to look at to sort of update the advice for you as well.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Sounds\n\nChannel 0: Easy.\n\nChannel 1: good.\n\nChannel 0: No worries. Now when you're looking at those documents, the first one you should see is a summary of superannuation and insurances. Are you able to see that document there at all?\n\nChannel 1: I'm sign a sign request. Is that the one?\n\nChannel 0: Yes. So click on that one. It'll allow you to go through so you can view the documents. It will never ask you to sign anything you haven't read, and we'll go through those prior to you deciding whether you're happy to\n\nChannel 1: So\n\nChannel 0: sign them.\n\nChannel 1: I click on sign document. Is that right?\n\nChannel 0: Yep. Yep. And\n\nChannel 1: Yep.\n\nChannel 0: for it'll take you through. Yeah.\n\nChannel 1: Cool. Alright. There it goes. That's\n\nChannel 0: Fantastic.\n\nChannel 1: my TV and last year. I think we looked at this one pretty closely last year.\n\nChannel 0: Yep.\n\nChannel 1: The\n\nChannel 0: Yep.\n\nChannel 1: Zurich insurance.\n\nChannel 0: So, yeah, and you've got your net worth balance there. So when I have a look back last year at this time, your super balance was sitting at, sorry, a $158,812.41. So your super balance is now sitting at a $181,002.71 and 60¢, sir. So when we look at the returns and the markets over the past sort of twelve months there, net of fees, you've made a 5.01% return. So it isn't a bad return at all.\n\nObviously, markets have been a bit up and down this year, so the returns are expected to\n\nChannel 1: Yep.\n\nChannel 0: have some used to be lower than where you'd like them to be or where you'd sort of expect them to be. But to still have growth in your super is a good thing, and it's about compounding\n\nChannel 1: Out\n\nChannel 0: that\n\nChannel 1: of\n\nChannel 0: long term.\n\nChannel 1: that out\n\nChannel 0: Yeah.\n\nChannel 1: of that $30 increase, how much of that was my own contributions, and how much was that?\n\nChannel 0: So the growth the growth as a dollar figure for that past twelve months, the income plus the growth there is a bit over $8,404, so the rest that would have been contributions.\n\nChannel 1: Yeah. Cool. Okay.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: 15\n\nChannel 0: So as I said,\n\nChannel 1: on?\n\nChannel 0: it's a bit lower. It's you know, one of the things this year is that the markets have been a bit volatile. We have seen a lot of ups and downs with what's been going on globally there, but it is still good to come out with a positive return on top of that, and we just wanna keep compounding that forward. So we do know some\n\nChannel 1: Yep.\n\nChannel 0: years are gonna get a really great, lovely return, maybe twelve, fifteen, or 20%. Other years, it might only\n\nChannel 1: Yep.\n\nChannel 0: be two, three, or 5%. It's about working through those times and continue to contribute regardless of what the market does do because you've still got twenty one years before you can access super. So, you know,\n\nChannel 1: Yep.\n\nChannel 0: you're still at the start at this point and have a lot more growth ahead of you there. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. The other thing you can sort of see on that document there is your insurances. So you've got your life and TPD there. Now you did mention to me that when you spoke to my colleague, Kyle, last year, you did go through those insurances in quite a bit of detail.\n\nChannel 1: Yes.\n\nChannel 0: If you think about the the insurances and how, you know, they could affect you and whether they will cover what you want them to, it's about sort of looking at what they would cover if something was to happen to you. So with life cover, if you were to pass away today, obviously, we hope nothing does happen. But if you sort of look at this\n\nChannel 1: Yep.\n\nChannel 0: hypothetically, you've got 976,373 of life cover, and then you've also\n\nChannel 1: Yep.\n\nChannel 0: got a 181,000 in super on top of that. So it's a bit\n\nChannel 1: Yep.\n\nChannel 0: over $1,000,000 thereof cover, bit over one point\n\nChannel 1: Yeah.\n\nChannel 0: 1,000,000 of cover there. What is it that you would want to have paid at? Where would you want that paid to?\n\nChannel 1: So that would be going all to my to my spouse at first. Yeah. And\n\nChannel 0: Yep.\n\nChannel 1: this is\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: yep.\n\nChannel 0: And you would want her to maybe cover the mortgage completely?\n\nChannel 1: So yeah. Well, that would that would more than easily cover the mortgage and, yeah, probably give a\n\nChannel 0: Absolutely.\n\nChannel 1: a year or two off. So\n\nChannel 0: Yeah. Well, I mean, the mortgage I had noted here was about 330,000. Is that roughly correct, or have you been able to reduce\n\nChannel 1: It\n\nChannel 0: that a bit since then?\n\nChannel 1: It is I think it is still around $3.10 maybe, maybe lower. But\n\nChannel 0: 3\n\nChannel 1: having\n\nChannel 0: 100\n\nChannel 1: said\n\nChannel 0: and\n\nChannel 1: that\n\nChannel 0: 10,000.\n\nChannel 1: yeah. But having\n\nChannel 0: Yep.\n\nChannel 1: said that, in the offset, I think we've got something like a 150,000. So it's really probably\n\nChannel 0: Okay.\n\nChannel 1: about half that. Yeah.\n\nChannel 0: Yeah. Beautiful. So, like, if we looked at the amount of cover, essentially, you're looking at, you know, almost $1,200,000 in cover there. If you then subtracted the 310,000 for the mortgage, obviously, adding a 100 and how much did you say was in the offset account?\n\nChannel 1: That's $215.\n\nChannel 0: $2.15.\n\nChannel 1: So it's probably\n\nChannel 0: And is\n\nChannel 1: so\n\nChannel 0: that\n\nChannel 1: it's probably only\n\nChannel 0: three\n\nChannel 1: owe about a 100,000 on the on the mortgage.\n\nChannel 0: 100,000? Yeah. That's my next question. Was that is that offset reduction for or deducted from the amount you just gave me? Absolutely.\n\nChannel 1: Yeah. So\n\nChannel 0: So,\n\nChannel 1: is that\n\nChannel 0: realistically, it would leave her after covering the mortgage a little over still you know, realistically, a little\n\nChannel 1: Pretty\n\nChannel 0: over\n\nChannel 1: much\n\nChannel 0: a\n\nChannel 1: the\n\nChannel 0: million\n\nChannel 1: main\n\nChannel 0: dollars\n\nChannel 1: box.\n\nChannel 0: of\n\nChannel 1: Yeah.\n\nChannel 0: cover there. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Your income, you're on about a 130,000. Is that right, income\n\nChannel 1: Yeah.\n\nChannel 0: wise?\n\nChannel 1: It it takes hard to tell for sure because my\n\nChannel 0: Yeah.\n\nChannel 1: because my income is heavily impacted by how much overtime is there, basically.\n\nChannel 0: Yep.\n\nChannel 1: So I think my if I remember what I let me just go pull up one of my payslips. I think my base is around 100, and then\n\nChannel 0: Yep.\n\nChannel 1: it's usually a bit uncomfortable with\n\nChannel 0: Yeah.\n\nChannel 1: over\n\nChannel 0: That's\n\nChannel 1: time.\n\nChannel 0: okay. Overtime. And you do say a bit\n\nChannel 1: Any\n\nChannel 0: of overtime every week or month?\n\nChannel 1: well,\n\nChannel 0: Or\n\nChannel 1: it it depends. Yeah. So my annual fare\n\nChannel 0: yeah.\n\nChannel 1: is 107, and then\n\nChannel 0: Mhmm.\n\nChannel 1: it depends if when the missus is working as well because she does. She just been on maternity leave, but she's just come back to work as well. So I was trying to do a lot\n\nChannel 0: Yeah.\n\nChannel 1: less when\n\nChannel 0: Yep.\n\nChannel 1: she when she's working. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: Mobile.\n\nChannel 0: Yeah. No. Absolutely.\n\nChannel 1: But,\n\nChannel 0: Fantastic. So\n\nChannel 1: yeah, in general, it's\n\nChannel 0: if\n\nChannel 1: usually up around 01:21 thirty a year. So\n\nChannel 0: yeah. No. Perfect. So if we sort of looked at that and just based it on, say, 130,000, but with your life cover and your super being paid out covering the mortgage and then, you know, thinking about income replacement, it would give her based on a 130,000 about eight years of income replacement there. If in the event that you would have passed away, they could technically live on less money.\n\nThat would obviously improve how long those funds do last for. But do you feel that's fairly appropriate for where you are with\n\nChannel 1: Yeah.\n\nChannel 0: the income\n\nChannel 1: I think\n\nChannel 0: replacement that covering the mortgage?\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: think that'd be plenty. If not, we could probably reduce it. But I think we went through trying to reduce it last time. That was sort of been seemed but it seems like I've already got a pretty good deal. It's probably not worth reducing it.\n\nWe got\n\nChannel 0: Yeah.\n\nChannel 1: two last\n\nChannel 0: That's it.\n\nChannel 1: time going through it.\n\nChannel 0: Yep. No. That's okay. Well, these insurances\n\nChannel 1: Mhmm.\n\nChannel 0: are indexed on a regular basis, so they do increase over time. They also will get more and more expensive, which have can have an effect\n\nChannel 1: Yes.\n\nChannel 0: on your retirement figure there as well. So if you ever do feel like you're over insured that you wanna kinda reduce the insurances back, we can definitely do so. And reducing them back is the easy part. It's kinda getting them back up if you decide you need to increase the cover back again, which can be a little bit difficult. It's,\n\nChannel 1: Yes.\n\nChannel 0: you know, not not not a hard process to go through, but if you reduce it back, it's as simple as, you know, signing a form to say this is what I wanna reduce my cover to. Whereas increasing it back, you do have to reapply for the increase, which means going through underwriting again, reassessing your health, and things like that. So\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: That's\n\nChannel 0: generally\n\nChannel 1: right.\n\nChannel 0: sort\n\nChannel 1: I remember\n\nChannel 0: of say,\n\nChannel 1: that.\n\nChannel 0: yeah, we generally sort of say that if you've reduced your mortgage down to fairly minimum and, you know, your income's good and you've got things that you can, you know, cover or offset yourself with, then we could look to reduce it back. But, normally, you're a little bit older with having small kids at home. If something was to happen to you, having a good amount of cover is not a bad thing. Believe it or not, most people don't have enough cover. About 70% of the population is technically underinsured\n\nChannel 1: Yep.\n\nChannel 0: or doesn't have any cover at all. So you put yourself in a good position to make sure that your family are covered in the event that something happens to you.\n\nChannel 1: I think\n\nChannel 0: Yeah.\n\nChannel 1: we'll probably keep it like that for this year, and\n\nChannel 0: Yep.\n\nChannel 1: then I don't know if we can put a note in for next year\n\nChannel 0: Yeah.\n\nChannel 1: to to\n\nChannel 0: To\n\nChannel 1: reduce it\n\nChannel 0: assess.\n\nChannel 1: because\n\nChannel 0: Yep.\n\nChannel 1: and reassess and reduce because I think the the 2028 year where I'm trying to take a year off and travel around Australia. So there\n\nChannel 0: Yep.\n\nChannel 1: won't\n\nChannel 0: Absolutely.\n\nChannel 1: be much income sort of coming into it, so don't wanna eat away at night. You\n\nChannel 0: Yeah. Absolutely. Fantastic. And that'll be in 2028. Is that sort of from January,\n\nChannel 1: know?\n\nChannel 0: the the calendar year for 2028? Or\n\nChannel 1: Probably about March. Yeah.\n\nChannel 0: yes. Yep. Beautiful. Fantastic. Excellent.\n\nNow you've also got your TBD cover there. Do you understand how total permanent disability works or any information around TBD cover? Sorry.\n\nChannel 1: Pretty much is if I've ended myself and beyond being able to function or whatever I'd be\n\nChannel 0: Yeah.\n\nChannel 1: able to work, you know, I'll get a CV double, basically.\n\nChannel 0: Yeah. So if you're never able to go back to work again for any occupation for which you're educated, claimed, or have worked in the past, so, TPD, you've got the same level of TPD there. If you\n\nChannel 1: Yep.\n\nChannel 0: were to claim on total permanent disability, we can also, under, the permanent incapacity release, try to access your super as well. So there is a chance that you could get access to both of that. The only sort of thing I do like to clarify for people is to make sure you're aware that if you do claim on TBD, if you are under the age of 60, unfortunately, TBD is actually taxed. So if you were to claim TBD and get a full access to the funds, withdraw the whole amount out of the lump sum, you are taxed on that. It's up to 22 percent.\n\nIt could be a lesser taxation amount, but it is up to 22% if you're under the age of 60. So\n\nChannel 1: Yeah.\n\nChannel 0: I just\n\nChannel 1: Okay.\n\nChannel 0: like to make sure everyone's aware of that. The way we sort of work things as advisers is if you are claiming on TDD, we'll assist you with the claim, but then we'll also provide advice on how we can maybe keep the funds invested for as long as possible, drawing out smaller amounts to keep it going and working as long as possible for you as well and also to help sort of minimize the taxation consequences. So I think it's personally, I don't like the fact that it is taxed, but it is something to make sure you are aware. Some\n\nChannel 1: Yep.\n\nChannel 0: people do like to factor into the tax and gross up the amount a little bit, but you do have a good amount here. So even with taking the taxation consequences into play, you could still pay out the mortgage and have an additional buffer left over, and we would\n\nChannel 1: Yep.\n\nChannel 0: definitely help to minimize those tax consequences if in the event of the claim was to come up for you. Okay?\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yep. Easy.\n\nChannel 1: All\n\nChannel 0: All\n\nChannel 1: good.\n\nChannel 0: good. Perfect. Now you don't have any sort of income protection or other personal insurances like trauma. Has anyone ever gone through those types of cover\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: think\n\nChannel 0: you, explained what they are, or\n\nChannel 1: I\n\nChannel 0: asked\n\nChannel 1: think\n\nChannel 0: about\n\nChannel 1: I\n\nChannel 0: them?\n\nChannel 1: could get\n\nChannel 0: Sure.\n\nChannel 1: them in through my work and through my unit.\n\nChannel 0: Okay. So you've got sort of income protection through work and or\n\nChannel 1: I'm I'm 9095% through work. I've I've got an in income protection clause in my area.\n\nChannel 0: okay. Perfect. So you so I mean, do you know if you were off work due to illness or injury, how long they would cover your income for, or do you have any sort of information around that with the EBA? If not, that's okay. I just wanted to find out to help you out.\n\nThat's all.\n\nChannel 1: Nothing. Well, I'll pro I probably do have the information there.\n\nChannel 0: Perfect.\n\nChannel 1: I would have to find those.\n\nChannel 0: That's okay. If you are able to get a hold of that and send it through to us, it would be good to be able to assess that as your total circumstances. We can't obviously alter or change any of that, but it helps to understand what the risk is for you. And, obviously, we can, you know, monitor look at your circumstances\n\nChannel 1: Yeah.\n\nChannel 0: and help you to monitor, you know, whether that's appropriate or not for you or whether you need to maybe consider additional income protection or things like that to help reduce the risk level for you.\n\nChannel 1: I've I've got\n\nChannel 0: Yeah.\n\nChannel 1: I've got my EBA here.\n\nChannel 0: Yeah?\n\nChannel 1: My EBA document is 54 pages long. Did you want me\n\nChannel 0: Oh,\n\nChannel 1: to send\n\nChannel 0: wow.\n\nChannel 1: it to you?\n\nChannel 0: If you could, that'd be fabulous. If you want, I can send you an email after the call just requesting it. And if you're\n\nChannel 1: Yeah.\n\nChannel 0: able to\n\nChannel 1: Cool.\n\nChannel 0: send that to us, that'd be fabulous. Yeah.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Beautiful.\n\nChannel 1: We're good.\n\nChannel 0: All good. And so the other types of personal insurances and look, honestly, you can cover yourself to the end of the earth. We could be forever paying for insurances for ourselves, but it depends upon, you know, what you're comfortable paying from what you're not. There are other types of cover like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a major traumatic condition, probably, like, cancer is one of the biggest ones. And you can\n\nChannel 1: Yep.\n\nChannel 0: also get additional types of trauma cover for your children as well that pay out lump sum benefits if your children are diagnosed with major traumatic illnesses like cancer, or if they would have passed away. It can also pay out a life benefit for your children as well because it's something that's not covered by any insurances for yourself.\n\nChannel 1: Yeah.\n\nChannel 0: So there are those other types of covers that you're welcome to think about down the track if you would like to look at those. They are paid out of pocket, so it does tend to have an effect on your out of pocket expenses. It's not something everyone's comfortable with with the cost of living currently. But did you kind of, you know, wanna look at anything additional, or you're\n\nChannel 1: Yeah.\n\nChannel 0: happy just\n\nChannel 1: Probably\n\nChannel 0: with the what\n\nChannel 1: not\n\nChannel 0: you\n\nChannel 1: not. I'm pretty happy\n\nChannel 0: yep.\n\nChannel 1: where we are at the moment, to be honest, with the with\n\nChannel 0: Happy\n\nChannel 1: the colors.\n\nChannel 0: with that? Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. And if you decide you want to, you can always come back and have that conversation again. You're not limited to just one annual review. If you, you\n\nChannel 1: Yeah.\n\nChannel 0: know, come up in a month or two's time and go, hey. I wanna talk about something else, my team will book you back in and we can have more of a conversation. It's absolutely fine. Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Beautiful.\n\nChannel 1: Who are\n\nChannel 0: The next document is there in there is your performance report with regard to how your super has performed there. The second page, as I said, does explain that after the past twelve months, the net return you've received is about 5.01% there. Sorry.\n\nChannel 1: Yeah. Can you hear?\n\nChannel 0: That is net after fees. That's after ongoing service fee and then administration fees and also not including any contributions going in. So that is really good. Your super has done really, really well, and it has been a very volatile time there. We did sort of make some changes to your super a few months back for you.\n\nDo you remember receiving, like, a document, a record of advice in probably March this year?\n\nChannel 1: By the way. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Maybe.\n\nChannel 0: That's okay.\n\nChannel 1: Yep.\n\nChannel 0: It\n\nChannel 1: Hold\n\nChannel 0: was\n\nChannel 1: on.\n\nChannel 0: a few months back now. That's alright. Essentially, you did have an investment within your super previously. It was then along Australian equity, so that investment, we sorta had noticed, had been underperforming. We decided\n\nChannel 1: Yep.\n\nChannel 0: we wanted to remove that from your portfolio for you. So we had sent\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Cool.\n\nChannel 0: record of advice out to note that we had removed that.\n\nChannel 1: Yes,\n\nChannel 0: You do\n\nChannel 1: sir.\n\nChannel 0: now hold the beta shares a 200. So one of the the biggest differences between them is Bennelong was more of an actively managed fund. So the investment manager is meant to be buying and selling investments and trying to outperform against the market. And the Bennelong Australian equities normally holds between 15 to 25 different investment options within that fund there. The BetaShares a 200 is giving you much greater diversification because you're tracking the top 200 companies on the ASX.\n\nSo it's giving you greater diversification, helping to lower the overall risk, but it's also a passively managed fund. So it's tracking the top 200 companies. We're not investing in a an investment manager who's trying to pick and time the market and buy and sell the top and the bottom. So it helps to reduce your risk level a bit, and this investment\n\nChannel 1: Yeah.\n\nChannel 0: has\n\nChannel 1: K.\n\nChannel 0: been performing greater. So it has definitely had a really positive effect on your super this year. What\n\nChannel 1: Yep.\n\nChannel 0: I would like to do, though, is whilst retaining some of these, I would like to go back if you're comfortable with me doing so. Maybe just revalue reevaluate the investments that you're in. You are in much of an older portfolio, and it is\n\nChannel 1: Yep.\n\nChannel 0: good to definitely rebalance things back a little bit with, you know, with the way growth works. Some investments grow faster than others. So I would like to go back. I've had a bit of a look. I can see some changes that we could definitely make to your portfolio.\n\nJust make sure things are working harder for you. We've got a few other options that we could switch out some of these investments, maybe reduce the cost of your portfolio, have some investments that might be working a bit harder for you and see how that tracks towards your retirement goals. Are you comfortable with me reevaluating things for you?\n\nChannel 1: Yeah. Sounds good, Michelle.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic.\n\nChannel 1: That's\n\nChannel 0: It just takes a couple of weeks to do the research there\n\nChannel 1: it.\n\nChannel 0: for you, Paul. So I'll go back and have a look at the portfolio, look at what it's doing, how it's tracking, and then we can kinda go from there.\n\nChannel 1: That'd be really good, Jay.\n\nChannel 0: One easy. One of the things I did kinda wanna look at was how how you would like to see your funds invested. So there are different ways to build build portfolios, and one of those is to have active managers in there. Did you want us to look at sort of portfolios where there can be some active investment managers who might be taking on a bit more risk to try and outperform against the market, or would you like a portfolio that's probably a bit more low cost that's still performing just as well? What would you sort of want me to focus on?\n\nChannel 1: I think I think preferably more of a low cost one, to be honest. I like I like the sound\n\nChannel 0: Yeah.\n\nChannel 1: of,\n\nChannel 0: Absolutely\n\nChannel 1: like, the\n\nChannel 0: fine.\n\nChannel 1: the the lower end of the fees and then also,\n\nChannel 0: Low\n\nChannel 1: yeah, the\n\nChannel 0: yeah.\n\nChannel 1: the ETFs. I I kinda like the the risk profile of the\n\nChannel 0: Yep.\n\nChannel 1: ETFs, I suppose, where it's dealing with the top 200\n\nChannel 0: Yeah.\n\nChannel 1: companies.\n\nChannel 0: Absolutely. Fantastic. That's not a problem at all. I would definitely look at that for you, and I'll come back after we've done the research, and we'll go through that advice document together. Okay?\n\nFantastic.\n\nChannel 1: Cool.\n\nChannel 0: Excellent. Now I can also see that your salary sacrificing at the moment, it looks like you're doing about $50 per week. Are you still salary\n\nChannel 1: Yep.\n\nChannel 0: sacrificing that?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: And you're\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: still comfortable? Excellent. Are you still comfortable keeping it that amount? Would you wanna look at increasing that, or you're sort of happy with it with all the changes you're going through in that\n\nChannel 1: Well,\n\nChannel 0: childcare costs?\n\nChannel 1: definitely definitely, possibly looking at increasing it, but for the next two years more more probably not in the next two years because more so we're all saving to find to do this big trip. You know what I mean? So\n\nChannel 0: Yes.\n\nChannel 1: my\n\nChannel 0: Yep.\n\nChannel 1: the money sort of forcing more that way than saving for the future\n\nChannel 0: Yeah.\n\nChannel 1: at the moment. So investing in in in a big trip around.\n\nChannel 0: Absolutely. Yeah. No. That's not a problem at all. That's absolutely fine.\n\nI'll put that down as something we can focus on down the track there for you and just look to retain\n\nChannel 1: Yep.\n\nChannel 0: your current salary sacrifice. It's not a problem at all. Excellent.\n\nChannel 1: Yep.\n\nChannel 0: The next couple of documents in that email, if you keep scrolling across there, you've got the Vanguard index chart. This you've probably seen a couple of times in the past. It's more just a bit of a tool and a guide to show you how funds are invested there. It does sort of show you that markets go through ups and downs, and because you are still so young and have that twenty one years before accessing super. It's about making sure\n\nChannel 1: Mhmm.\n\nChannel 0: that you're invested in a portfolio that can withstand the downtime knowing that we expect returns to be negative in some years, and we expect lower returns some years as well. And it's about making sure you're not wanting to access those funds within those downtime there. I\n\nChannel 1: Yes.\n\nChannel 0: will run through just a quick risk profile with you shortly, but you have time on your side to be able to withstand the ups and downs, go through the volatility before accessing your super, and not to get scared about the downtimes. Admittedly, it does happen. We are human. And if you are ever hearing anything in the market that is concerning you, please give us a call. Let us know.\n\nI'm more than happy to talk you through it. Okay?\n\nChannel 1: Yeah. Cool. Alright.\n\nChannel 0: Excellent. The next document attached is your Zurich certificate of currency, just giving you a little bit more detail on, obviously, the the insurances that you do hold there. And then we've also got the financial services guide attached. This has been updated most recently, so it runs you through everything about who we are, what we do, how we do it. It's also noting that our fee structure is going to change as of next year as well.\n\nSo it doesn't affect you at the moment, but, essentially, moving forward, our fee structure will be more of a tiered fee structure. So when your balance hits that $200,000 mark, it will then move into the next tier, and it means the tier drops a little bit. So at the moment, any balance is up to 200,000. So you do pay 1.65% for our ongoing service fee. When your balance\n\nChannel 1: Mhmm.\n\nChannel 0: is at $200,000 mark, you drop into the next tier down, and it drops to 1.375. So whenever your balance increases and you hit that tier's fee structure, it'll drop down a tier which is gonna work out better for yourself.\n\nChannel 1: Yeah.\n\nChannel 0: The\n\nChannel 1: Okay.\n\nChannel 0: other side\n\nChannel 1: The more\n\nChannel 0: of it\n\nChannel 1: money\n\nChannel 0: is\n\nChannel 1: I've\n\nChannel 0: that it's gonna be\n\nChannel 1: got more money\n\nChannel 0: yeah.\n\nChannel 1: I've got\n\nChannel 0: The\n\nChannel 1: invested\n\nChannel 0: lower\n\nChannel 1: with\n\nChannel 0: the\n\nChannel 1: you\n\nChannel 0: fee\n\nChannel 1: guys.\n\nChannel 0: structure.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. That's exactly right. It's kind of a good thing\n\nChannel 1: Yeah.\n\nChannel 0: to kinda\n\nChannel 1: Okay.\n\nChannel 0: build your sleeper up. The other difference is that we're gonna do it as a set dollar figure fee. So we will work out based on your balance at the time of the review how much you're expected to pay for the ongoing service fee for that year. We do add a 5% for growth to the fee. So it does\n\nChannel 1: Mhmm.\n\nChannel 0: mean it will show you a set dollar figure fee, which means that you can expect to pay a certain amount for the year with the current fee structure. If you get a ten, fifteen, or 20% return there, that fee kinda goes up with that return. So this will give you a lot more clarity around how much you're expected to pay for our services for the year, and it won't go\n\nChannel 1: Mhmm.\n\nChannel 0: over that set amount there for you. So it's about giving you more clarity\n\nChannel 1: Okay.\n\nChannel 0: on the service fee for that year, what's expected, and making sure that you obviously, as your super balance increases, that that you drop over to the next tier there as well. We're not\n\nChannel 1: Yeah.\n\nChannel 0: increasing the amount we're charging in any way. It's just that we've had to change the tier structure a little bit because the cost of advice and everything in the back end has increased as well. So we're just\n\nChannel 1: Yeah.\n\nChannel 0: making sure that it's still working for you guys, but also just giving you more clarity. And I personally like the set dollar figure because you know how much you're gonna pay us for that year,\n\nChannel 1: Yeah.\n\nChannel 0: whereas\n\nChannel 1: I see.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: tiers whereas percentage based fee can fluctuate with the market. So it's more just a bit of a guide for you if that makes sense. Yeah.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Excellent. So for this year, it is still with your balance under\n\nChannel 1: Sounds\n\nChannel 0: two\n\nChannel 1: good.\n\nChannel 0: 100,000 still, it is at 1.65%. So no real major change to yourself for the year. But, obviously, next year, I'll be able to show you a bit more detail there. Okay?\n\nChannel 1: Yeah. Cool. But by next year, it will obviously\n\nChannel 0: Excellent.\n\nChannel 1: yeah. Some of that, you know, will be above the 200 miles as well. Is that correct?\n\nChannel 0: We'd hope so. Yeah. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: So, hopefully, next year, the balance will go up to that $200,000 mark, and then it will drop down to the next tier there for you. That'd be fabulous. Yeah. Excellent. Fantastic.\n\nSo I just wanted to run through and update a few additional details there for you currently. Now we did sort of make mention what your mortgage is, which is great. The sorry. Your main primary residence, what's the rough valuation you put on that for the moment?\n\nChannel 1: I think it's 150,000 ish.\n\nChannel 0: Yep. Beautiful. And just a question with regard to that. When you take your big trip, are you planning on renting your house out for the\n\nChannel 1: Yeah.\n\nChannel 0: time\n\nChannel 1: We'll\n\nChannel 0: being, or\n\nChannel 1: we'll\n\nChannel 0: what's\n\nChannel 1: we'll\n\nChannel 0: the the plan for the house\n\nChannel 1: we'll keep it keep it and rent it. Yeah.\n\nChannel 0: of\n\nChannel 1: Keep\n\nChannel 0: the year?\n\nChannel 1: it\n\nChannel 0: Keep\n\nChannel 1: and rent\n\nChannel 0: and\n\nChannel 1: it\n\nChannel 0: rent\n\nChannel 1: out.\n\nChannel 0: it out, and you'll be gone. So you're perfect. And it'll be about one year that you're you're you're shipping around for. Is that right, or is it\n\nChannel 1: That's\n\nChannel 0: expected\n\nChannel 1: that's\n\nChannel 0: to be longer?\n\nChannel 1: the loose plan anyways. Yeah. We sort of we'll start going and see when we stop, I suppose.\n\nChannel 0: Yeah. Fantastic. That'll be really, really great. I love that. Fantastic.\n\nI've got your car down here. I'm just sorry. I don't know what kind of car it is. It says rough valuation of 22,000 on the vehicle. What would you value your car at?\n\nChannel 1: It'd be pretty similar. I suppose, you know, down to maybe\n\nChannel 0: 20\n\nChannel 1: five down\n\nChannel 0: 2,000?\n\nChannel 1: to $2,020,000, I suppose, now.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: If you go,\n\nChannel 0: And\n\nChannel 1: you're working\n\nChannel 0: what sort\n\nChannel 1: a\n\nChannel 0: of\n\nChannel 1: couple\n\nChannel 0: vehicle\n\nChannel 1: of grand\n\nChannel 0: is it?\n\nChannel 1: yeah. So I suppose the.\n\nChannel 0: A Hilux. Yep. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: Hilux. Excellent. I've also got your caravan here with a value of 13,500. Would you change or alter that valuation at all?\n\nChannel 1: Well, to be honest, I haven't looked at the market, but, yeah, we'll keep it at that. That's fine.\n\nChannel 0: Yeah. That's okay. And then you've also got an investment portfolio with a few different stocks. And the evaluation we had last year was 17,000. Has that increased\n\nChannel 1: Yeah.\n\nChannel 0: a bit since then?\n\nChannel 1: I was done. I've done payments last year. I think it's up for about 20 now.\n\nChannel 0: That 20,000? Fantastic. Are you putting money into that regularly as well or just letting it sit and do what it\n\nChannel 1: It's\n\nChannel 0: does?\n\nChannel 1: more modest and most of the time, sort of sits in. So I've got I think let me have a quick look. I've got I think it's about $20 in the Comstock account, and I've opened a raise\n\nChannel 0: Yep.\n\nChannel 1: account as well. It's about a thousand bucks\n\nChannel 0: Beautiful. Right. Excellent.\n\nChannel 1: Yeah. It's running it's running around exactly. So it's going up.\n\nChannel 0: Fantastic. Excellent. And I've got your partner's car down here as well with a valuation of 20,000. Would you keep or alter that valuation?\n\nChannel 1: Yeah. Yeah. That'd be fine.\n\nChannel 0: Yeah. That's\n\nChannel 1: That maybe.\n\nChannel 0: okay. And what kind of car is that one?\n\nChannel 1: Hyundai Tucson.\n\nChannel 0: Tucson. Beautiful. Excellent.\n\nChannel 1: It's probably\n\nChannel 0: Is there\n\nChannel 1: work\n\nChannel 0: any\n\nChannel 1: a little\n\nChannel 0: other\n\nChannel 1: bit\n\nChannel 0: assets\n\nChannel 1: less now.\n\nChannel 0: like that's\n\nChannel 1: Any\n\nChannel 0: okay.\n\nChannel 1: other big ticket?\n\nChannel 0: Yeah. Yeah. Anything else you wanna note down at all?\n\nChannel 1: Yeah. I think that's about a bit.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely fine. And then, also, the other thing I like to sort of look at is the beneficiary side of things as well. So I have I've got down here that you yourself and your partner, you've had a will and power of attorney join up in the past. Is that right?\n\nChannel 1: Yep. Yeah. We\n\nChannel 0: Yeah.\n\nChannel 1: have\n\nChannel 0: It's all\n\nChannel 1: you.\n\nChannel 0: current and valid as per your circumstances.\n\nChannel 1: Yeah. It should be. Yeah. Yeah. It should be.\n\nYes.\n\nChannel 0: Yeah.\n\nChannel 1: Yes. My mom said add. We've had a baby since then, but I think it's just ads. So I think it's written a cause in the ads for for all our children even if she's not named. She might be named otherwise.\n\nChannel 0: Yeah. No. That's okay. Excellent. Have have you considered or have you done, like, a guardianship that sort of states what happens to the children if and when you both\n\nChannel 1: Yeah. I\n\nChannel 0: were\n\nChannel 1: think\n\nChannel 0: to pass\n\nChannel 1: I\n\nChannel 0: away?\n\nChannel 1: think I think we've got all that in certain place. Yeah.\n\nChannel 0: As part of it. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: So it's probably\n\nChannel 0: Excellent.\n\nChannel 1: the the document.\n\nChannel 0: Fantastic. And then I've also got your beneficiaries noted here for your life and your so far, a 100% is Charlotte in the event that something occurs to you. Was that correct and accurate per your circumstances?\n\nChannel 1: Yep. Yep. I\n\nChannel 0: Yep.\n\nChannel 1: understand.\n\nChannel 0: Beautiful. Excellent. Lovely. The last thing to run through quickly is just your risk profile questionnaire just to make sure you are invested in the correct portfolio does help when I'm just going back to update the advice for you. The first question here is basically, you know, if you were to say for your super fall by 20% over the next one to two years, how do you think you might be feeling in that instance?\n\nAre you considering it an investment opportunity and wanting to put some money into the market? Are you maybe holding and waiting, just letting it go through the ups and downs and calling us to have a bit of a chat, or are you feeling concerned and wanting to sell the investments to cash? How do you think you might react?\n\nChannel 1: What's that? What sorry. Say that spell that question again. What is the what what happened\n\nChannel 0: If you\n\nChannel 1: in\n\nChannel 0: saw\n\nChannel 1: school?\n\nChannel 0: this yeah. If you saw the super fall by, say, 20% over the next one to two years, how do you think you might be feeling?\n\nChannel 1: It'll rather be just write it out or\n\nChannel 0: Yep.\n\nChannel 1: yeah. Pro or or look. I'm trying to get the cash, but I feel like you're probably better off of those scenarios to write it out usually,\n\nChannel 0: Yeah.\n\nChannel 1: I guess.\n\nChannel 0: Realistically, writing it out is the best way to go. I've sort of ticked their hold and wait and maybe call us and see what we suggest you do. Does that sound appropriate for the answer?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: That's all good. It is just the hold and wait. It is a hard thing to do, but staying invested throughout those downtimes is very important because you'd never know where the top of the bottom of the market is. The selling out means you've gotta find a point to buy in. And if you miss the top and the bottom of the market, you could be off by thousands of dollars, which compounding it, you know, a five or six\n\nChannel 1: Yes.\n\nChannel 0: percent return over the longer term can have a much larger effect. So it's about staying invested through those downtimes and remembering you can't access it for twenty years. So you, you know, you you don't need to\n\nChannel 1: Yep.\n\nChannel 0: worry about stressing out about those moments. As hard as can definitely be, and I understand that. Yeah. The next one here is have you ever seen your super fall in value? If you have, again, how does it make you feel?\n\nAre you optimistic about the investment opportunities ahead? Are you cautious, concerned, or feeling anxious? How do you think\n\nChannel 1: Obviously, everyone feels\n\nChannel 0: you\n\nChannel 1: anxious, but Sony becomes\n\nChannel 0: might\n\nChannel 1: a big concern for me if\n\nChannel 0: feel?\n\nChannel 1: everything else is starting to fall apart. You know what I mean? The whole the whole world\n\nChannel 0: Mhmm.\n\nChannel 1: starts to fall apart.\n\nChannel 0: Yeah.\n\nChannel 1: Then in a second. You're\n\nChannel 0: Yep.\n\nChannel 1: concerned about the sofa because the sofa is just the stopping up of doing it. So it's just gonna go up and down\n\nChannel 0: Yeah.\n\nChannel 1: and imagine. Anyway, it's like\n\nChannel 0: Yep.\n\nChannel 1: like\n\nChannel 0: Yep.\n\nChannel 1: all things.\n\nChannel 0: Absolute that's okay. Absolutely. Fantastic. And the last one here is when you think about the level of risk you're taking, are you comfortable taking on a higher level of risk to get greater potential returns knowing the downside is also reflective of that, or are you more comfortable taking on a moderate or medium amount of risk to get the best returns you can? Where would you fit\n\nChannel 1: Probably\n\nChannel 0: in that scenario?\n\nChannel 1: moderate to high risk just because of, like you say, it's\n\nChannel 0: Yep.\n\nChannel 1: still at twenty years or so. But I don't wanna\n\nChannel 0: Yep.\n\nChannel 1: see see how to deal all my money eroding by making the\n\nChannel 0: Yeah.\n\nChannel 1: wrong call. So yeah.\n\nChannel 0: Yep. Absolutely. Fantastic. And the last one I have here is just, have you ever considered borrowing to invest in shares or managed funds, or would you only ever wanna borrow for safe property? How do you see the risk around borrowing to invest?\n\nChannel 1: I need to do more research into it, you know, some think about I\n\nChannel 0: Yep.\n\nChannel 1: I like the idea, and I probably should be putting more time into thinking about it. But at\n\nChannel 0: That's\n\nChannel 1: this point\n\nChannel 0: okay.\n\nChannel 1: in time, I just three young kids who just end up not thinking about it enough. Yes?\n\nChannel 0: Yeah. And you've got that trip that you're planning for as well, so\n\nChannel 1: That's\n\nChannel 0: understandable.\n\nChannel 1: exactly right.\n\nChannel 0: No.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. Beautiful. Now with where you have essentially scored that you have scored as a growth investor. So that does say generally about 80% of your super invested in growth assets, so things like Australian and international shares, listed property and commodities like gold and silver, and\n\nChannel 1: Yep.\n\nChannel 0: then the other 20% in low risk defensive investments, so things like cash, bonds, and fixed interest. With the\n\nChannel 1: Yes.\n\nChannel 0: growth portfolio, when you consider, say, the risk out of a number between one and five, five being the highest level of risk and one being probably the lowest sitting all in cash, you're sitting at about a three. So you're kind of in that midway point there. For your age and stage, that growth portfolio generally suits quite nicely. We're kind of expecting or wanting to achieve about a seven to 9% return compounding forward over the next twenty years there, and the likelihood of a negative return is about one in every sort of five years. Do you feel like that's fairly comfortable for where you're sitting?\n\nDid you\n\nChannel 1: Yeah.\n\nChannel 0: wanna keep\n\nChannel 1: It's\n\nChannel 0: that\n\nChannel 1: it's\n\nChannel 0: kind of\n\nChannel 1: a\n\nChannel 0: environment?\n\nChannel 1: that sounds pretty good here. Yep.\n\nChannel 0: Yep. Beautiful. Fantastic. Excellent. Well, what I'll do, just to kinda recap, I'll go back and just reassess you, Steve, for the investments, look at rebalancing and maybe switching some things out, look at more of a low cost portfolio there for you, try to reduce fees where I possibly can, and look at what\n\nChannel 1: Mhmm.\n\nChannel 0: we can do for the advice. We'll update the statement of advice to reflect that, keeping contributions based on your current rate and retaining the $50 per week salary sacrifice there, not increasing down the track.\n\nChannel 1: Mhmm.\n\nChannel 0: We'll retain insurances as they are. You're happy with the life and TPD, not worrying about income protection. I'll send you an email shortly just to get the information from your EBA there. And with scoping at not factoring any any new insurances like trauma or child trauma currently. And then medium term goals down the track, we are also looking at, you know, your big holiday down the track, possibly increasing contributions after that time frame.\n\nAnd just sort of tracking forward, you're still hoping to access Super around about 60. Is that right for your goal still?\n\nChannel 1: Yeah. Yeah. That sounds right. I don't\n\nChannel 0: Yeah.\n\nChannel 1: I don't know\n\nChannel 0: That's\n\nChannel 1: if\n\nChannel 0: that's\n\nChannel 1: I\n\nChannel 0: a yes.\n\nChannel 1: I can access the speaker at sixty, but I can't access the don't get attention to a moment. 70. Is that correct?\n\nChannel 0: So the age\n\nChannel 1: 60\n\nChannel 0: pension for\n\nChannel 1: seven?\n\nChannel 0: eligible recipients is 67 currently. Yeah. But you can access super at 60. The way I\n\nChannel 1: Yeah.\n\nChannel 0: tend to work it out with a lot of my retiree clients is that we look at if they wanna access super at 60, what they need to live on, how we draw that between 60 to 67, And then from 67, depending on eligibility, you know, what age pension access do they get and how do we reduce the the withdrawal from 60 there. So it's definitely possible. It's not a problem. It's something it's your goal. We can look at it down the track to assist you in that area.\n\nOkay?\n\nChannel 1: Yeah. Cool.\n\nChannel 0: Beautiful. Excellent. And I'll retain the growth environment there for you. Have I missed anything? Is there anything that you think I maybe not have touched on or any additional questions you have that you maybe wanted to bring up with me at all?\n\nChannel 1: One other thing is within the last\n\nChannel 0: Yeah.\n\nChannel 1: four and a half year, I mean, last four and a half year, I inherited a a lot of some of the money, so about a 100 and\n\nChannel 0: Mhmm.\n\nChannel 1: $50,000 loan, something like that. So I've just probably\n\nChannel 0: Yep.\n\nChannel 1: basically put it all straight into the mortgage for now. I'm just sort of\n\nChannel 0: Yep.\n\nChannel 1: double checking that's the sort of the best way to go. I suppose the best way to go. And is there is there gonna be any more tax implications from in erroring the money as well?\n\nChannel 0: Yeah. Well, I mean, putting it on the mortgage isn't a bad thing. Essentially, you're putting it onto your main primary residence. Money held within the loan gives you a guaranteed rate of return. You could definitely look to invest that in other areas if you wanted to, but one of the big things you kind of pulled out with me is that you wanna take this big trip as well.\n\nSo if you were to invest that money outside of Super, would you then be wanting to draw on that to a put back on the mortgage at a later time to reduce the interest payable, or would you be wanting to maybe draw that money out in the next in the next, what, two years to be able to take your big trip around the country?\n\nChannel 1: Potentially.\n\nChannel 0: Do you think that\n\nChannel 1: Yeah.\n\nChannel 0: that would need to be access yeah. So, realistically, I wouldn't wanna be investing anything that in the short term that you're gonna utilize within the next sort of three years. Investing\n\nChannel 1: Yeah.\n\nChannel 0: should always be more of a longer term investment, so keeping on the mortgage for now isn't a bad thing. You've also\n\nChannel 1: Yep.\n\nChannel 0: now got childcare costs and your wife going back to work, and it could mean that your hours drop a little bit as well. So\n\nChannel 1: Yep.\n\nChannel 0: shelter that money on your mortgage isn't a bad thing. It saves on\n\nChannel 1: I'm\n\nChannel 0: interest\n\nChannel 1: late.\n\nChannel 0: for you. If you ever\n\nChannel 1: Thank\n\nChannel 0: did wanna\n\nChannel 1: you.\n\nChannel 0: sort of talk more about what you can do, that's absolutely fine. But one of\n\nChannel 1: Good\n\nChannel 0: your\n\nChannel 1: bye.\n\nChannel 0: goals\n\nChannel 1: Stay\n\nChannel 0: is paying\n\nChannel 1: close.\n\nChannel 0: down your mortgage the biggest thing you have going. Is that something you wanted to really do front as\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: I mean, ideally,\n\nChannel 0: goal?\n\nChannel 1: we'd have\n\nChannel 0: Yeah.\n\nChannel 1: it sort of paid up paid off by a time ago, which is almost always\n\nChannel 0: Yeah.\n\nChannel 1: pretty close.\n\nChannel 0: Yeah.\n\nChannel 1: You know what I mean? But then we'll be taking some of that\n\nChannel 0: Yeah.\n\nChannel 1: money back out of the offset to, like, caravans\n\nChannel 0: Absolutely.\n\nChannel 1: and whatever else.\n\nChannel 0: Yeah. Correct. So, look, putting it on the mortgage is the right place for that money at the moment with everything you've got. Your main sort of medium term goal you've mentioned is to kind of pay the mortgage down as quickly as possible, but then also drawing on that money back when you need it to. So it's on the mortgage.\n\nIt's saving you interest for the shorter term, but then it's also accessible in the short term if you need it. The other side to that is if you invest the money in portfolios that side of Stupa, there are tax consequences that because you are getting growth in income, which needs to be included in your personal taxable income. So having it\n\nChannel 1: Yes.\n\nChannel 0: where it is at the moment, there's no ongoing tax consequences\n\nChannel 1: Yes.\n\nChannel 0: just for us sitting in your mortgage, and you're kinda sheltering that money as well. And saving on interest on the mortgage, which in\n\nChannel 1: Still\n\nChannel 0: my\n\nChannel 1: get\n\nChannel 0: book\n\nChannel 1: the\n\nChannel 0: with\n\nChannel 1: input.\n\nChannel 0: how much I pay on my home loan is not bad.\n\nChannel 1: Yeah. I mean, that's it. It's it's\n\nChannel 0: Yeah.\n\nChannel 1: basically getting a a 6% return on your more on your money, aren't you, because you're saving 6%\n\nChannel 0: Yeah.\n\nChannel 1: in your mortgage.\n\nChannel 0: That's correct. That's correct. Yeah. Definitely. So does that answer your question for the moment?\n\nDoes that\n\nChannel 1: Yeah.\n\nChannel 0: did you need\n\nChannel 1: Yeah.\n\nChannel 0: any further clarity on that currently?\n\nChannel 1: No. That no. That's fine. That's good.\n\nChannel 0: Excellent. Beautiful. Well, look. Thank you so much for your time today, Paul. It's been an absolute pleasure.\n\nIf you can just sign and return the annual review pack when you've got a second there just so we can\n\nChannel 1: No\n\nChannel 0: have\n\nChannel 1: worries.\n\nChannel 0: everything on file updated, And I'll go back and just update the advice there for you, and we'll come back in a few weeks and wrap it together. How does that sound?\n\nChannel 1: Yeah. Sounds good. So I'll sign\n\nChannel 0: Yep.\n\nChannel 1: it over now.\n\nChannel 0: Yeah. That'd be fabulous if you're comfortable to do so. Yeah.\n\nChannel 1: And then you'll you'll give me a call in a couple of weeks, and I'll go through what\n\nChannel 0: Yep.\n\nChannel 1: we're gonna\n\nChannel 0: Yep. Well,\n\nChannel 1: change over.\n\nChannel 0: absolutely. Yeah. This takes a couple of weeks to do the research component around the side of things. And as soon as that is good to go, my team will book you back in, and we'll run through things together. You'll get the statement advice to look at.\n\nI'll run through the recommendations I'm making, and then you get to take it away and read it and decide whether you're happy to take those recommendations on or not.\n\nChannel 1: Yeah. Sweet. Sounds good.\n\nChannel 0: Okay. Easy.\n\nChannel 1: So do you want me\n\nChannel 0: Beautiful.\n\nChannel 1: to send me through\n\nChannel 0: Thanks.\n\nChannel 1: do you want me to send you through my\n\nChannel 0: You're\n\nChannel 1: EBI\n\nChannel 0: sorry?\n\nChannel 1: as well?\n\nChannel 0: Yeah. I'm just doing up an email now to send to you just to request that so you've got my direct email there for you. Okay?\n\nChannel 1: No worries.\n\nChannel 0: Okay? Beautiful. Easy. Well, I hope you have a good day painting the fence. I hope you enjoy the rest of your day.\n\nChannel 1: Cool. You too. Have a good one.\n\nChannel 0: Easy. Thank you so much for your time, Paul. Easy.\n\nChannel 1: Thank you.\n\nChannel 0: You have a great day.\n\nChannel 1: Thank\n\nChannel 0: Thank\n\nChannel 1: you.\n\nChannel 0: you. See you\n\nChannel 1: Well,\n\nChannel 0: later.\n\nChannel 1: you catch\n\nChannel 0: Bye.\n\nChannel 1: that. Bye.","paragraphs":[{"sentences":[{"text":"Paul speaking.","start":0.16,"end":0.98,"sentiment":"neutral","sentiment_score":0.019908165559172627},{"text":"Hello?","start":5.92,"end":6.42,"sentiment":"neutral","sentiment_score":0.03985314816236496}],"sentiment":"neutral","sentiment_score":0.026556493093570072,"channel":1,"num_words":3,"start":0.16,"end":6.42},{"sentences":[{"text":"Hi, Paul.","start":6.48,"end":7.12,"sentiment":"neutral","sentiment_score":0.1639842540025711},{"text":"It's Dana from OQ Financial.","start":7.12,"end":8.9,"sentiment":"neutral","sentiment_score":0.25357428193092346},{"text":"How are you today?","start":8.96,"end":9.94,"sentiment":"neutral","sentiment_score":0.2597714774310589}],"sentiment":"neutral","sentiment_score":0.2395387115803632,"channel":0,"num_words":11,"start":6.48,"end":9.94},{"sentences":[{"text":"Good.","start":10.32,"end":10.559999,"sentiment":"positive","sentiment_score":0.4805965423583984},{"text":"How are you?","start":10.559999,"end":11.38,"sentiment":"positive","sentiment_score":0.3437683979670207}],"sentiment":"positive","sentiment_score":0.3779754340648651,"channel":1,"num_words":4,"start":10.32,"end":11.38},{"sentences":[{"text":"I'm very well.","start":11.599999,"end":12.48,"sentiment":"positive","sentiment_score":0.618189533551534},{"text":"Thank you.","start":12.48,"end":12.88,"sentiment":"positive","sentiment_score":0.6830689311027527},{"text":"Thanks for asking.","start":12.88,"end":13.795,"sentiment":"positive","sentiment_score":0.6370373765627543},{"text":"I had you booked in to go to your annual review.","start":13.795,"end":15.795,"sentiment":"neutral","sentiment_score":0.25406255098906433},{"text":"Is now still a good time there for you?","start":15.795,"end":17.735,"sentiment":"neutral","sentiment_score":0.2168646603822708}],"sentiment":"positive","sentiment_score":0.35279602131673266,"channel":0,"num_words":28,"start":11.599999,"end":17.735},{"sentences":[{"text":"I hate completely forgot about that, but, yeah, we can do it.","start":18.404999,"end":20.645,"sentiment":"neutral","sentiment_score":0.014058213060100874},{"text":"Yep.","start":20.645,"end":21.145,"sentiment":"neutral","sentiment_score":0.08796006441116333}],"sentiment":"neutral","sentiment_score":0.019742970856336448,"channel":1,"num_words":13,"start":18.404999,"end":21.145},{"sentences":[{"text":"Yeah.","start":21.555,"end":21.955,"sentiment":"neutral","sentiment_score":0.09363900125026704},{"text":"That's okay.","start":21.955,"end":22.755001,"sentiment":"neutral","sentiment_score":0.10252591967582703},{"text":"If now is not suited, I can always make a more appropriate time for 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beta shares a 200.","start":1070.76,"end":1073.34,"sentiment":"neutral","sentiment_score":0.04085703433624336},{"text":"So one of the the biggest differences between them is Bennelong was more of an actively managed fund.","start":1073.4,"end":1079.9751,"sentiment":"neutral","sentiment_score":0.025146019438074693},{"text":"So the investment manager is meant to be buying and selling investments and trying to outperform against the market.","start":1079.9751,"end":1085.275,"sentiment":"neutral","sentiment_score":0.06284585575524129},{"text":"And the Bennelong Australian equities normally holds between 15 to 25 different investment options within that fund there.","start":1085.495,"end":1092.19,"sentiment":"neutral","sentiment_score":0.05140376587708791},{"text":"The BetaShares a 200 is giving you much greater diversification because you're tracking the top 200 companies on the 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works.","start":1136.995,"end":1141.395,"sentiment":"neutral","sentiment_score":0.13646110234891667},{"text":"Some investments grow faster than others.","start":1141.395,"end":1143.575,"sentiment":"neutral","sentiment_score":-0.03782552108168602},{"text":"So I would like to go back.","start":1143.95,"end":1145.07,"sentiment":"neutral","sentiment_score":-0.06936149778110641},{"text":"I've had a bit of a look.","start":1145.07,"end":1146.03,"sentiment":"neutral","sentiment_score":0.08861248940229416},{"text":"I can see some changes that we could definitely make to your portfolio.","start":1146.03,"end":1149.01,"sentiment":"positive","sentiment_score":0.41920986771583557}],"sentiment":"neutral","sentiment_score":0.15354741670191288,"channel":0,"num_words":50,"start":1136.995,"end":1149.01},{"sentences":[{"text":"Just make sure things are working harder for you.","start":1149.39,"end":1151.63,"sentiment":"neutral","sentiment_score":0.16809005869759452},{"text":"We've got a few other options that we could switch out some of these investments, maybe reduce the cost of your portfolio, have some investments that might be working a bit harder for you and see how that tracks towards your retirement goals.","start":1151.63,"end":1163.405,"sentiment":"neutral","sentiment_score":0.14050119959337767},{"text":"Are you comfortable with me reevaluating things for you?","start":1163.405,"end":1166.545,"sentiment":"neutral","sentiment_score":0.04173367656767368}],"sentiment":"neutral","sentiment_score":0.12999942950660087,"channel":0,"num_words":61,"start":1149.39,"end":1166.545},{"sentences":[{"text":"Yeah.","start":1166.16,"end":1166.66,"sentiment":"neutral","sentiment_score":0.1633298397064209},{"text":"Sounds good, 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think it's just ads.","start":1747.2,"end":1750.1,"sentiment":"neutral","sentiment_score":-0.010339729332675537},{"text":"So I think it's written a cause in the ads for for all our children even if she's not named.","start":1750.32,"end":1755.54,"sentiment":"neutral","sentiment_score":-0.007228356250561774},{"text":"She might be named otherwise.","start":1755.76,"end":1757.3,"sentiment":"neutral","sentiment_score":-0.02107512466609478}],"sentiment":"neutral","sentiment_score":-0.008939935570760142,"channel":1,"num_words":42,"start":1744.545,"end":1757.3},{"sentences":[{"text":"Yeah.","start":1757.0,"end":1757.3999,"sentiment":"neutral","sentiment_score":-0.0070676859468221664},{"text":"No.","start":1757.3999,"end":1757.5599,"sentiment":"neutral","sentiment_score":-0.027229031547904015},{"text":"That's 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Paul.","start":2493.7727,"end":2495.6328,"sentiment":"positive","sentiment_score":0.8149057179689407},{"text":"Easy.","start":2495.6929,"end":2496.0127,"sentiment":"positive","sentiment_score":0.7277421951293945}],"sentiment":"positive","sentiment_score":0.7809874415397644,"channel":0,"num_words":10,"start":2493.3728,"end":2496.0127},{"sentences":[{"text":"Thank you.","start":2495.755,"end":2496.4949,"sentiment":"positive","sentiment_score":0.7904544472694397}],"sentiment":"positive","sentiment_score":0.7904544472694397,"channel":1,"num_words":2,"start":2495.755,"end":2496.4949},{"sentences":[{"text":"You have a great day.","start":2496.0127,"end":2496.9727,"sentiment":"positive","sentiment_score":0.8081834554672241}],"sentiment":"positive","sentiment_score":0.8081834554672241,"channel":0,"num_words":5,"start":2496.0127,"end":2496.9727},{"sentences":[{"text":"Thank","start":2496.875,"end":2497.115,"sentiment":"positive","sentiment_score":0.6757360100746155}],"sentiment":"positive","sentiment_score":0.6757360100746155,"channel":1,"num_words":1,"start":2496.875,"end":2497.115},{"sentences":[{"text":"Thank","start":2496.9727,"end":2497.213,"sentiment":"positive","sentiment_score":0.6979283094406128}],"sentiment":"positive","sentiment_score":0.6979283094406128,"channel":0,"num_words":1,"start":2496.9727,"end":2497.213},{"sentences":[{"text":"you.","start":2497.115,"end":2497.615,"sentiment":"positive","sentiment_score":0.7287958860397339}],"sentiment":"positive","sentiment_score":0.7287958860397339,"channel":1,"num_words":1,"start":2497.115,"end":2497.615},{"sentences":[{"text":"you.","start":2497.213,"end":2497.6128,"sentiment":"positive","sentiment_score":0.4281206727027893},{"text":"See you","start":2497.6128,"end":2497.9329,"sentiment":"positive","sentiment_score":0.3635071665048599}],"sentiment":"positive","sentiment_score":0.38504500190416974,"channel":0,"num_words":3,"start":2497.213,"end":2497.9329},{"sentences":[{"text":"Well,","start":2497.9148,"end":2498.2349,"sentiment":"neutral","sentiment_score":0.2894856333732605}],"sentiment":"neutral","sentiment_score":0.2894856333732605,"channel":1,"num_words":1,"start":2497.9148,"end":2498.2349},{"sentences":[{"text":"later.","start":2497.9329,"end":2498.4329,"sentiment":"neutral","sentiment_score":0.28428125381469727}],"sentiment":"neutral","sentiment_score":0.28428125381469727,"channel":0,"num_words":1,"start":2497.9329,"end":2498.4329},{"sentences":[{"text":"you catch","start":2498.2349,"end":2498.7148,"sentiment":"neutral","sentiment_score":0.31671077013015747}],"sentiment":"neutral","sentiment_score":0.31671077013015747,"channel":1,"num_words":2,"start":2498.2349,"end":2498.7148},{"sentences":[{"text":"Bye.","start":2498.5728,"end":2499.0728,"sentiment":"neutral","sentiment_score":0.2337477207183838}],"sentiment":"neutral","sentiment_score":0.2337477207183838,"channel":0,"num_words":1,"start":2498.5728,"end":2499.0728},{"sentences":[{"text":"that.","start":2498.7148,"end":2499.035,"sentiment":"neutral","sentiment_score":0.17131739854812622},{"text":"Bye.","start":2499.035,"end":2499.535,"sentiment":"neutral","sentiment_score":-0.10138839483261108}],"sentiment":"neutral","sentiment_score":0.03496450185775757,"channel":1,"num_words":2,"start":2498.7148,"end":2499.535}]},"summary":{"result":"success","short":"Representatives from OQ Financial and OQ Financial discuss the importance of updating annual review documents and updating annual coverages for customers. They emphasize the importance of contributing to growth and working through volatile markets, as well as reducing health risks and reducing coverages for customers. The representatives also provide information on risk profiles and retirement goals for customers, including plans for reducing fees and staying on mortgages for longer periods of time. They emphasize the importance of staying on mortgages for longer periods of time and offer guidance on signing up for a review and updating coverage."},"intents":{"segments":[{"text":"And just to do a security check there for you as well, we are discussing your personal information. So I'll get you to confirm your full name, your date of birth, and address I should have on file. Okay.","start_word":164,"end_word":202,"intents":[{"intent":"Send security check","confidence_score":0.00016957411},{"intent":"Check security","confidence_score":0.00023980103}]},{"text":"I'm just sending the email to you now. Just confirming your email address should be solas_89@hotmail.com. No changes to that at all?","start_word":285,"end_word":306,"intents":[{"intent":"Confirm email","confidence_score":0.198081}]},{"text":"The missus I've got the day off today, but the missus starts a new job today, and my little five month old baby has just started daycare today.","start_word":349,"end_word":376,"intents":[{"intent":"Schedule day off","confidence_score":0.016643377}]},{"text":"It's pretty important to check your reviews as well. I Yeah.","start_word":482,"end_word":492,"intents":[{"intent":"Check reviews","confidence_score":0.38802215}]},{"text":"And that's kinda what we wanna do today is sort of go through everything with you, look at your goals, look at what we're tracking. I have had a bit of a look at your portfolio prior to, you know, doing the review with you today. So there's definitely some things that we might be able to look at to sort of update the advice for you as well. Yes. Okay?","start_word":562,"end_word":632,"intents":[{"intent":"Update advice","confidence_score":0.50837535}]},{"text":"I'm sign a sign request. Is that the one?","start_word":668,"end_word":676,"intents":[{"intent":"Request sign request","confidence_score":0.029913738}]},{"text":"Zurich insurance. So, yeah, and you've got your net worth balance there. So when I have a look back last year at this time, your super balance was sitting at, sorry, a $158,812.41. So your super balance is now sitting at a $181,002.71 and 60<unk>, sir.","start_word":766,"end_word":811,"intents":[{"intent":"Update information","confidence_score":0.0026038915}]},{"text":"We have seen a lot of ups and downs with what's been going on globally there, but it is still good to come out with a positive return on top of that, and we just wanna keep compounding that forward.","start_word":994,"end_word":1033,"intents":[{"intent":"Compounding returns","confidence_score":0.30783328}]},{"text":"It's about working through those times and continue to contribute regardless of what the market does do because you've still got twenty one years before you can access super.","start_word":1064,"end_word":1092,"intents":[{"intent":"Working through times","confidence_score":0.732435}]},{"text":"If you think about the the insurances and how, you know, they could affect you and whether they will cover what you want them to, it's about sort of looking at what they would cover if something was to happen to you.","start_word":1170,"end_word":1211,"intents":[{"intent":"Discussing insurance coverage","confidence_score":0.36984777},{"intent":"Explaining life insurance coverage","confidence_score":0.00078180566}]},{"text":"If you think about the the insurances and how, you know, they could affect you and whether they will cover what you want them to, it's about sort of looking at what they would cover if something was to happen to you. So with life cover, if you were to pass away today, obviously, we hope nothing does happen.","start_word":1170,"end_word":1228,"intents":[{"intent":"Clarifying future coverage","confidence_score":0.000319952}]},{"text":"So that would be going all to my to my spouse at first. Yeah.","start_word":1295,"end_word":1308,"intents":[{"intent":"Explaining spouse's payment","confidence_score":0.009045824}]},{"text":"So, like, if we looked at the amount of cover, essentially, you're looking at, you know, almost $1,200,000 in cover there. If you then subtracted the 310,000 for the mortgage, obviously, adding a 100 and how much did you say was in the offset account? That's $215.","start_word":1430,"end_word":1476,"intents":[{"intent":"Calculate coverage amount","confidence_score":0.03960651}]},{"text":"If not, we could probably reduce it. But I think we went through trying to reduce it last time. That was sort of been seemed but it seems like I've already got a pretty good deal. It's probably not worth reducing it. We got Yeah.","start_word":1846,"end_word":1890,"intents":[{"intent":"Reduce insurance coverage","confidence_score":0.2825679}]},{"text":"Whereas increasing it back, you do have to reapply for the increase, which means going through underwriting again, reassessing your health, and things like that. So Yeah.","start_word":2036,"end_word":2062,"intents":[{"intent":"Reapply for increase","confidence_score":0.4553453}]},{"text":"yeah, we generally sort of say that if you've reduced your mortgage down to fairly minimum and, you know, your income's good and you've got things that you can, you know, cover or offset yourself with, then we could look to reduce it back.","start_word":2072,"end_word":2115,"intents":[{"intent":"Reduce mortgage","confidence_score":0.48174068}]},{"text":"So you put yourself in a good position to make sure that your family are covered in the event that something happens to you. I Yeah.","start_word":2173,"end_word":2198,"intents":[{"intent":"Make sure family coverage","confidence_score":0.0017440403}]},{"text":"Now you've also got your TBD cover there. Do you understand how total permanent disability works or any information around TBD cover? Sorry.","start_word":2309,"end_word":2331,"intents":[{"intent":"Clarify tbd cover coverage","confidence_score":0.000021215392},{"intent":"Check tbd cover","confidence_score":0.008799619}]},{"text":"able to work, you know, I'll get a CV double, basically. Yeah.","start_word":2350,"end_word":2361,"intents":[{"intent":"Clarify cv double","confidence_score":0.025301274}]},{"text":"The only sort of thing I do like to clarify for people is to make sure you're aware that if you do claim on TBD, if you are under the age of 60, unfortunately, TBD is actually taxed. So if you were to claim TBD and get a full access to the funds, withdraw the whole amount out of the lump sum, you are taxed on that. It's up to 22 percent.","start_word":2436,"end_word":2507,"intents":[{"intent":"Clarify tbd taxation and income deductions","confidence_score":0.0000023045445}]},{"text":"If you are able to get a hold of that and send it through to us, it would be good to be able to assess that as your total circumstances.","start_word":2875,"end_word":2904,"intents":[{"intent":"Evaluate coverage options","confidence_score":0.030853575}]},{"text":"There are other types of cover like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a major traumatic condition, probably, like, cancer is one of the biggest ones. And you can Yep.","start_word":3090,"end_word":3127,"intents":[{"intent":"Discuss coverage options","confidence_score":0.1122196}]},{"text":"I would like to do, though, is whilst retaining some of these, I would like to go back if you're comfortable with me doing so. Maybe just revalue reevaluate the investments that you're in. You are in much of an older portfolio, and it is Yep. good to definitely rebalance things back a little bit with, you know, with the way growth works.","start_word":3737,"end_word":3799,"intents":[{"intent":"Rebalance investments","confidence_score":0.26070315}]},{"text":"I've had a bit of a look. I can see some changes that we could definitely make to your portfolio. Just make sure things are working harder for you. We've got a few other options that we could switch out some of these investments, maybe reduce the cost of your portfolio, have some investments that might be working a bit harder for you and see how that tracks towards your retirement goals. Are you comfortable with me reevaluating things for you? Yeah.","start_word":3814,"end_word":3895,"intents":[{"intent":"Review portfolios and analyze investments","confidence_score":0.000023198458}]},{"text":"on the service fee for that year, what's expected, and making sure that you obviously, as your super balance increases, that that you drop over to the next tier there as well.","start_word":4957,"end_word":4988,"intents":[{"intent":"Clarify service fee","confidence_score":0.36895034}]},{"text":"increasing the amount we're charging in any way. It's just that we've had to change the tier structure a little bit because the cost of advice and everything in the back end has increased as well. So we're just Yeah.","start_word":4992,"end_word":5031,"intents":[{"intent":"Adjust tier structure","confidence_score":0.16076405}]},{"text":"So I just wanted to run through and update a few additional details there for you currently.","start_word":5214,"end_word":5230,"intents":[{"intent":"Update details","confidence_score":0.2227445}]},{"text":"I think it's 150,000 ish. Yep.","start_word":5263,"end_word":5268,"intents":[{"intent":"Confirm cost plan","confidence_score":0.0000053517406}]},{"text":"Are you considering it an investment opportunity and wanting to put some money into the market? Are you maybe holding and waiting, just letting it go through the ups and downs and calling us to have a bit of a chat, or are you feeling concerned and wanting to sell the investments to cash? How do you think you might react?","start_word":6038,"end_word":6098,"intents":[{"intent":"Evaluate portfolio interest","confidence_score":0.0017038956}]},{"text":"But I don't wanna Yep. see see how to deal all my money eroding by making the Yeah. wrong call. So yeah.","start_word":6577,"end_word":6598,"intents":[{"intent":"Manage money","confidence_score":0.000071005845}]},{"text":"Now with where you have essentially scored that you have scored as a growth investor. So that does say generally about 80% of your super invested in growth assets, so things like Australian and international shares, listed property and commodities like gold and silver, and Yep. then the other 20% in low risk defensive investments, so things like cash, bonds, and fixed interest.","start_word":6719,"end_word":6781,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.013399}]},{"text":"And just sort of tracking forward, you're still hoping to access Super around about 60. Is that right for your goal still? Yeah.","start_word":7082,"end_word":7104,"intents":[{"intent":"Access super","confidence_score":0.0271272}]},{"text":"Well, I mean, putting it on the mortgage isn't a bad thing. Essentially, you're putting it onto your main primary residence. Money held within the loan gives you a guaranteed rate of return.","start_word":7406,"end_word":7438,"intents":[{"intent":"Put money on mortgage","confidence_score":0.1327383}]},{"text":"So if you were to invest that money outside of Super, would you then be wanting to draw on that to a put back on the mortgage at a later time to reduce the interest payable, or would you be wanting to maybe draw that money out in the next in the next, what, two years to be able to take your big trip around the country? Potentially.","start_word":7475,"end_word":7542,"intents":[{"intent":"Take trip","confidence_score":0.047363285},{"intent":"Reduce interest payable","confidence_score":0.5747579}]},{"text":"shelter that money on your mortgage isn't a bad thing. It saves on I'm interest late. for you.","start_word":7630,"end_word":7647,"intents":[{"intent":"Protect money on mortgage","confidence_score":0.00114743}]},{"text":"sort of talk more about what you can do, that's absolutely fine. But one of Good your bye. goals Stay is paying close.","start_word":7655,"end_word":7677,"intents":[{"intent":"Talk about lifestyle goals","confidence_score":0.000052947627}]},{"text":"everything on file updated, And I'll go back and just update the advice there for you, and we'll come back in a few weeks and wrap it together. How does that sound?","start_word":8039,"end_word":8070,"intents":[{"intent":"Update advice","confidence_score":0.011551997}]}]},"sentiments":{"segments":[{"text":"Paul speaking. Hello? Hi, Paul. It's Dana from OQ Financial. How are you today?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1918303668498993},{"text":"Good. How are you? I'm very well. Thank you. Thanks for asking.","start_word":14,"end_word":25,"sentiment":"positive","sentiment_score":0.5578671097755432},{"text":"I had you booked in to go to your annual review. Is now still a good time there for you? I hate completely forgot about that, but, yeah, we can do it. Yep. Yeah. That's okay. If now is not suited, I can always make a more appropriate time for you. No. It's okay. We can do it now. That's That's all good. that's okay. No worries. So you've had a busy day by the sounds of it. Yeah. A bit of a big one. That's all. Yeah. That's okay. Well, I'll try not to take up too much of your time there. But just before we go through the call, just let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yep. That's fine.","start_word":26,"end_word":162,"sentiment":"neutral","sentiment_score":0.09264497458934784},{"text":"Fantastic.","start_word":163,"end_word":163,"sentiment":"positive","sentiment_score":0.6119173765182495},{"text":"And just to do a security check there for you as well, we are discussing your personal information. So I'll get you to confirm your full name, your date of birth, and address I should have on file. Okay. It's Paul Joseph Solas. Yep. 01/18/1989. 5 Wooding Place in Sterling. Yep.","start_word":164,"end_word":214,"sentiment":"neutral","sentiment_score":0.13715991377830505},{"text":"Beautiful. Thank you so much for that.","start_word":215,"end_word":221,"sentiment":"positive","sentiment_score":0.5376415252685547},{"text":"Paul, we do normally also send through your annual review documents as well for you to review as we are going through them. Are you able to access your emails there at the moment? Yeah. It should be alright. I'll have to do it through the phone because they don't have a laptop, Oh, but this is just that's fine. that's absolutely fine. I'm just sending the email to you now. Just confirming your email address should be solas_89@hotmail.com. No changes to that at all? That should be the one. Yep.","start_word":222,"end_word":312,"sentiment":"neutral","sentiment_score":0.1229689046740532},{"text":"Excellent.","start_word":313,"end_word":313,"sentiment":"positive","sentiment_score":0.4388835430145264},{"text":"Let me All just good. see if it's come through. Yeah. You're right, honestly. Not a problem at all. You said you had a very busy morning. Been a busy week for you as well? The missus I've got the day off today, but the missus starts a new job today, and my little five month old baby has just started daycare today. So Oh, dropping all the kids wow. off and all that sort of stuff. So it's all been go. Yeah. You you've been doing it all. Yeah. Yeah. Yeah. And picking No. up the shopping and all that sort of stuff. And now I was supposed Yeah. to get the paint in the fence, but that's alright. All good. We'll keep Oh, going with yeah. That's okay. Well, I'll try not to this. keep up too much of your precious time, and I don't wanna get you No. get you You're in alright. trouble All for not good. finishing the fence at all. That's fine. It's pretty important to check your reviews as well. I Yeah. think No. I All think good. last time I did a review, Yeah. we were gonna talk about doing a a big one. Yeah. I've got your request. That's the one. Yep. Yep. That's the one. That's Yeah. come through.","start_word":314,"end_word":532,"sentiment":"neutral","sentiment_score":0.023678834275789047},{"text":"Perfect. Fantastic.","start_word":533,"end_word":534,"sentiment":"positive","sentiment_score":0.4506692886352539},{"text":"Big So big just old big kind old of put review because I haven't had one I had a big one in a while. yeah. Yeah. Absolutely. And that's kinda what we wanna do today is sort of go through everything with you, look at your goals, look at what we're tracking. I have had a bit of a look at your portfolio prior to, you know, doing the review with you today. So there's definitely some things that we might be able to look at to sort of update the advice for you as well. Yes. Okay?","start_word":535,"end_word":632,"sentiment":"neutral","sentiment_score":0.08735069632530212},{"text":"Sounds Easy. good.","start_word":633,"end_word":635,"sentiment":"positive","sentiment_score":0.35056695342063904},{"text":"No worries. Now when you're looking at those documents, the first one you should see is a summary of superannuation and insurances. Are you able to see that document there at all? I'm sign a sign request. Is that the one? Yes. So click on that one. It'll allow you to go through so you can view the documents. It will never ask you to sign anything you haven't read, and we'll go through those prior to you deciding whether you're happy to So sign them. I click on sign document. Is that right? Yep. Yep. And Yep. for it'll take you through. Yeah.","start_word":636,"end_word":739,"sentiment":"neutral","sentiment_score":0.09353140583978248},{"text":"Cool.","start_word":740,"end_word":740,"sentiment":"positive","sentiment_score":0.38307446241378784},{"text":"Alright.","start_word":741,"end_word":741,"sentiment":"neutral","sentiment_score":0.3279655873775482},{"text":"There it goes. That's Fantastic. my TV and last year.","start_word":742,"end_word":751,"sentiment":"positive","sentiment_score":0.5632336139678955},{"text":"I think we looked at this one pretty closely last year. Yep. The Yep. Zurich insurance. So, yeah, and you've got your net worth balance there. So when I have a look back last year at this time, your super balance was sitting at, sorry, a $158,812.41. So your super balance is now sitting at a $181,002.71 and 60<unk>, sir. So when we look at the returns and the markets over the past sort of twelve months there, net of fees, you've made a 5.01% return. So it isn't a bad return at all. Obviously, markets have been a bit up and down this year, so the returns are expected to Yep. have some used to be lower than where you'd like them to be or where you'd sort of expect them to be.","start_word":752,"end_word":887,"sentiment":"neutral","sentiment_score":0.12177405506372452},{"text":"But to still have growth in your super is a good thing, and it's about compounding Out that of long term.","start_word":887,"end_word":908,"sentiment":"positive","sentiment_score":0.5383989810943604},{"text":"that out Yeah. of that $30 increase, how much of that was my own contributions, and how much was that? So the growth the growth as a dollar figure for that past twelve months, the income plus the growth there is a bit over $8,404, so the rest that would have been contributions. Yeah. Cool. Okay. Yeah. Yeah. 15 So as I said, on? it's a bit lower. It's you know, one of the things this year is that the markets have been a bit volatile.","start_word":908,"end_word":994,"sentiment":"neutral","sentiment_score":0.02226652204990387},{"text":"We have seen a lot of ups and downs with what's been going on globally there, but it is still good to come out with a positive return on top of that, and we just wanna keep compounding that forward. So we do know some Yep. years are gonna get a really great, lovely return, maybe twelve, fifteen, or 20%.","start_word":993,"end_word":1052,"sentiment":"positive","sentiment_score":0.3851411044597626},{"text":"Other years, it might only Yep. be two, three, or 5%. It's about working through those times and continue to contribute regardless of what the market does do because you've still got twenty one years before you can access super. So, you know, Yep. you're still at the start at this point and have a lot more growth ahead of you there. Okay? Yeah.","start_word":1053,"end_word":1116,"sentiment":"neutral","sentiment_score":0.15883788466453552},{"text":"Excellent.","start_word":1117,"end_word":1117,"sentiment":"positive","sentiment_score":0.5062234997749329},{"text":"The other thing you can sort of see on that document there is your insurances. So you've got your life and TPD there. Now you did mention to me that when you spoke to my colleague, Kyle, last year, you did go through those insurances in quite a bit of detail. Yes. If you think about the the insurances and how, you know, they could affect you and whether they will cover what you want them to, it's about sort of looking at what they would cover if something was to happen to you. So with life cover, if you were to pass away today, obviously, we hope nothing does happen. But if you sort of look at this hypothetically, Yep. you've got 976,373 of life cover, and then you've also Yep. got a 181,000 in super on top of that. So it's a bit Yep. over $1,000,000 thereof cover, bit over one point Yeah. 1,000,000 of cover there. What is it that you would want to have paid at? Where would you want that paid to? So that would be going all to my to my spouse at first. Yeah. And Yep. this is Yep.","start_word":1118,"end_word":1313,"sentiment":"neutral","sentiment_score":-0.007606265135109425},{"text":"Beautiful.","start_word":1314,"end_word":1314,"sentiment":"positive","sentiment_score":0.4764331579208374},{"text":"yep. And you would want her to maybe cover the mortgage completely? So yeah. Well, that would that would more than easily cover the mortgage and, yeah, probably give a Absolutely. a year or two off. So Yeah. Well, I mean, the mortgage I had noted here was about 330,000. Is that roughly correct, or have you been able to reduce It that a bit since then? It is I think it is still around $3.10 maybe, maybe lower. But 3 having 100 said and that 10,000. yeah. But having Yep. said that, in the offset, I think we've got something like a 150,000. So it's really probably Okay. about half that. Yeah.","start_word":1315,"end_word":1427,"sentiment":"neutral","sentiment_score":0.015657874664901632},{"text":"Yeah. Beautiful.","start_word":1428,"end_word":1429,"sentiment":"positive","sentiment_score":0.4947742819786072},{"text":"So, like, if we looked at the amount of cover, essentially, you're looking at, you know, almost $1,200,000 in cover there. If you then subtracted the 310,000 for the mortgage, obviously, adding a 100 and how much did you say was in the offset account? That's $215. $2.15. So it's probably And is so that it's probably only three owe about a 100,000 on the on the mortgage. 100,000? Yeah. That's my next question. Was that is that offset reduction for or deducted from the amount you just gave me? Absolutely. Yeah. So So, is that realistically, it would leave her after covering the mortgage a little over still you know, realistically, a little Pretty over much a the million main dollars box. of Yeah. cover there. Yeah. Yeah. Your income, you're on about a 130,000. Is that right, income Yeah. wise? It it takes hard to tell for sure because my Yeah. because my income is heavily impacted by how much overtime is there, basically. Yep. So I think my if I remember what I let me just go pull up one of my payslips. I think my base is around 100, and then Yep. it's usually a bit uncomfortable with Yeah. over That's time. okay. Overtime. And you do say a bit Any of overtime every week or month? well, Or it it depends. Yeah. So my annual fare yeah. is 107, and then Mhmm. it depends if when the missus is working as well because she does. She just been on maternity leave, but she's just come back to work as well. So I was trying to do a lot Yeah. less when Yep. she when she's working. So Yeah. yeah. Absolutely. Mobile. Yeah. No. Absolutely.","start_word":1430,"end_word":1718,"sentiment":"neutral","sentiment_score":-0.0028567914673768525},{"text":"But, Fantastic.","start_word":1719,"end_word":1720,"sentiment":"positive","sentiment_score":0.5053365230560303},{"text":"So yeah, in general, it's if usually up around 01:21 thirty a year. So yeah. No.","start_word":1721,"end_word":1736,"sentiment":"neutral","sentiment_score":0.12479620426893234},{"text":"Perfect.","start_word":1737,"end_word":1737,"sentiment":"positive","sentiment_score":0.41193094849586487},{"text":"So if we sort of looked at that and just based it on, say, 130,000, but with your life cover and your super being paid out covering the mortgage and then, you know, thinking about income replacement, it would give her based on a 130,000 about eight years of income replacement there. If in the event that you would have passed away, they could technically live on less money. That would obviously improve how long those funds do last for. But do you feel that's fairly appropriate for where you are with Yeah. the income I think replacement that covering the mortgage? I Yeah. think that'd be plenty. If not, we could probably reduce it. But I think we went through trying to reduce it last time. That was sort of been seemed but it seems like I've already got a pretty good deal. It's probably not worth reducing it. We got Yeah. two last That's it. time going through it. Yep. No. That's okay. Well, these insurances Mhmm. are indexed on a regular basis, so they do increase over time. They also will get more and more expensive, which have can have an effect Yes. on your retirement figure there as well. So if you ever do feel like you're over insured that you wanna kinda reduce the insurances back, we can definitely do so. And reducing them back is the easy part. It's kinda getting them back up if you decide you need to increase the cover back again, which can be a little bit difficult. It's, Yes. you know, not not not a hard process to go through, but if you reduce it back, it's as simple as, you know, signing a form to say this is what I wanna reduce my cover to. Whereas increasing it back, you do have to reapply for the increase, which means going through underwriting again, reassessing your health, and things like that. So Yeah. we That's generally right. sort I remember of say, that. yeah, we generally sort of say that if you've reduced your mortgage down to fairly minimum and, you know, your income's good and you've got things that you can, you know, cover or offset yourself with, then we could look to reduce it back. But, normally, you're a little bit older with having small kids at home. If something was to happen to you, having a good amount of cover is not a bad thing. Believe it or not, most people don't have enough cover. About 70% of the population is technically underinsured Yep. or doesn't have any cover at all. So you put yourself in a good position to make sure that your family are covered in the event that something happens to you. I Yeah. think we'll probably keep it like that for this year, and Yep. then I don't know if we can put a note in for next year Yeah. to to To reduce it assess. because Yep. and reassess and reduce because I think the the 2028 year where I'm trying to take a year off and travel around Australia. So there Yep. won't Absolutely. be much income sort of coming into it, so don't wanna eat away at night. You Yeah. Absolutely.","start_word":1738,"end_word":2279,"sentiment":"neutral","sentiment_score":0.024577673060675168},{"text":"Fantastic.","start_word":2280,"end_word":2280,"sentiment":"positive","sentiment_score":0.4114847779273987},{"text":"And that'll be in 2028. Is that sort of from January, know? the the calendar year for 2028? Or Probably about March. Yeah. yes. Yep.","start_word":2281,"end_word":2305,"sentiment":"neutral","sentiment_score":0.09838957339525224},{"text":"Beautiful. Fantastic. Excellent.","start_word":2306,"end_word":2308,"sentiment":"positive","sentiment_score":0.6740378737449646},{"text":"Now you've also got your TBD cover there. Do you understand how total permanent disability works or any information around TBD cover? Sorry. Pretty much is if I've ended myself and beyond being able to function or whatever I'd be Yeah. able to work, you know, I'll get a CV double, basically. Yeah. So if you're never able to go back to work again for any occupation for which you're educated, claimed, or have worked in the past, so, TPD, you've got the same level of TPD there. If you Yep. were to claim on total permanent disability, we can also, under, the permanent incapacity release, try to access your super as well. So there is a chance that you could get access to both of that. The only sort of thing I do like to clarify for people is to make sure you're aware that if you do claim on TBD, if you are under the age of 60, unfortunately, TBD is actually taxed. So if you were to claim TBD and get a full access to the funds, withdraw the whole amount out of the lump sum, you are taxed on that. It's up to 22 percent. It could be a lesser taxation amount, but it is up to 22% if you're under the age of 60. So Yeah. I just Okay. like to make sure everyone's aware of that. The way we sort of work things as advisers is if you are claiming on TDD, we'll assist you with the claim, but then we'll also provide advice on how we can maybe keep the funds invested for as long as possible, drawing out smaller amounts to keep it going and working as long as possible for you as well and also to help sort of minimize the taxation consequences. So I think it's personally, I don't like the fact that it is taxed, but it is something to make sure you are aware. Some Yep. people do like to factor into the tax and gross up the amount a little bit, but you do have a good amount here. So even with taking the taxation consequences into play, you could still pay out the mortgage and have an additional buffer left over, and we would Yep. definitely help to minimize those tax consequences if in the event of the claim was to come up for you. Okay? Yeah. No worries. Yep.","start_word":2309,"end_word":2712,"sentiment":"neutral","sentiment_score":0.04855231030171018},{"text":"Easy. All All good. good. Perfect.","start_word":2713,"end_word":2718,"sentiment":"positive","sentiment_score":0.5579301714897156},{"text":"Now you don't have any sort of income protection or other personal insurances like trauma. Has anyone ever gone through those types of cover I with think you, explained what they are, or I asked think about I them? could get Sure. them in through my work and through my unit. Okay. So you've got sort of income protection through work and or I'm I'm 9095% through work. I've I've got an in income protection clause in my area. okay.","start_word":2719,"end_word":2798,"sentiment":"neutral","sentiment_score":0.019156143767759204},{"text":"Perfect.","start_word":2799,"end_word":2799,"sentiment":"positive","sentiment_score":0.4675591289997101},{"text":"So you so I mean, do you know if you were off work due to illness or injury, how long they would cover your income for, or do you have any sort of information around that with the EBA? If not, that's okay. I just wanted to find out to help you out. That's all. Nothing. Well, I'll pro I probably do have the information there. Perfect. I would have to find those. That's okay. If you are able to get a hold of that and send it through to us, it would be good to be able to assess that as your total circumstances. We can't obviously alter or change any of that, but it helps to understand what the risk is for you. And, obviously, we can, you know, monitor look at your circumstances Yeah. and help you to monitor, you know, whether that's appropriate or not for you or whether you need to maybe consider additional income protection or things like that to help reduce the risk level for you. I've I've got Yeah. I've got my EBA here. Yeah? My EBA document is 54 pages long. Did you want me Oh, to send wow. it to you?","start_word":2800,"end_word":3000,"sentiment":"neutral","sentiment_score":0.07235319912433624},{"text":"If you could, that'd be fabulous.","start_word":3001,"end_word":3006,"sentiment":"positive","sentiment_score":0.4563612937927246},{"text":"If you want, I can send you an email after the call just requesting it. And if you're Yeah. able to Cool.","start_word":3007,"end_word":3028,"sentiment":"neutral","sentiment_score":0.15310721099376678},{"text":"send that to us, that'd be fabulous.","start_word":3029,"end_word":3035,"sentiment":"positive","sentiment_score":0.4708395004272461},{"text":"Yeah. Yeah. No worries.","start_word":3036,"end_word":3039,"sentiment":"neutral","sentiment_score":0.19859473407268524},{"text":"Beautiful. We're good. All good.","start_word":3040,"end_word":3044,"sentiment":"positive","sentiment_score":0.5442171692848206},{"text":"And so the other types of personal insurances and look, honestly, you can cover yourself to the end of the earth. We could be forever paying for insurances for ourselves, but it depends upon, you know, what you're comfortable paying from what you're not. There are other types of cover like trauma, which pays out a lump sum tax free benefit if you're diagnosed with a major traumatic condition, probably, like, cancer is one of the biggest ones. And you can Yep. also get additional types of trauma cover for your children as well that pay out lump sum benefits if your children are diagnosed with major traumatic illnesses like cancer, or if they would have passed away. It can also pay out a life benefit for your children as well because it's something that's not covered by any insurances for yourself. Yeah. So there are those other types of covers that you're welcome to think about down the track if you would like to look at those. They are paid out of pocket, so it does tend to have an effect on your out of pocket expenses. It's not something everyone's comfortable with with the cost of living currently. But did you kind of, you know, wanna look at anything additional, or you're Yeah. happy just Probably with the what not you not. I'm pretty happy yep. where we are at the moment, to be honest, with the with Happy the colors. with that? Absolutely. Yeah. That's okay. And if you decide you want to, you can always come back and have that conversation again. You're not limited to just one annual review. If you, you Yeah. know, come up in a month or two's time and go, hey. I wanna talk about something else, my team will book you back in and we can have more of a conversation.","start_word":3045,"end_word":3355,"sentiment":"neutral","sentiment_score":0.07954358292737575},{"text":"It's absolutely fine. Fantastic. Yeah. Excellent. Beautiful.","start_word":3356,"end_word":3362,"sentiment":"positive","sentiment_score":0.4729953110218048},{"text":"Who are The next document is there in there is your performance report with regard to how your super has performed there. The second page, as I said, does explain that after the past twelve months, the net return you've received is about 5.01% there. Sorry. Yeah. Can you hear? That is net after fees. That's after ongoing service fee and then administration fees and also not including any contributions going in.","start_word":3363,"end_word":3434,"sentiment":"neutral","sentiment_score":0.053011663258075714},{"text":"So that is really good.","start_word":3435,"end_word":3439,"sentiment":"positive","sentiment_score":0.5157265663146973},{"text":"Your super has done really, really well, and it has been a very volatile time there. We did sort of make some changes to your super a few months back for you. Do you remember receiving, like, a document, a record of advice in probably March this year? By the way. Yeah. Yeah. Maybe. That's okay. Yep. It Hold was on. a few months back now. That's alright. Essentially, you did have an investment within your super previously. It was then along Australian equity, so that investment, we sorta had noticed, had been underperforming. We decided Yep. we wanted to remove that from your portfolio for you. So we had sent Yeah. that Cool. record of advice out to note that we had removed that. Yes, You do sir. now hold the beta shares a 200. So one of the the biggest differences between them is Bennelong was more of an actively managed fund. So the investment manager is meant to be buying and selling investments and trying to outperform against the market. And the Bennelong Australian equities normally holds between 15 to 25 different investment options within that fund there. The BetaShares a 200 is giving you much greater diversification because you're tracking the top 200 companies on the ASX. So it's giving you greater diversification, helping to lower the overall risk, but it's also a passively managed fund. So it's tracking the top 200 companies. We're not investing in a an investment manager who's trying to pick and time the market and buy and sell the top and the bottom. So it helps to reduce your risk level a bit, and this investment Yeah.","start_word":3440,"end_word":3715,"sentiment":"neutral","sentiment_score":0.07877341657876968},{"text":"has K. been performing greater. So it has definitely had a really positive effect on your super this year.","start_word":3716,"end_word":3734,"sentiment":"positive","sentiment_score":0.6867266297340393},{"text":"What Yep. I would like to do, though, is whilst retaining some of these, I would like to go back if you're comfortable with me doing so. Maybe just revalue reevaluate the investments that you're in. You are in much of an older portfolio, and it is Yep. good to definitely rebalance things back a little bit with, you know, with the way growth works. Some investments grow faster than others. So I would like to go back. I've had a bit of a look.","start_word":3735,"end_word":3819,"sentiment":"neutral","sentiment_score":-0.03048933902207543},{"text":"I can see some changes that we could definitely make to your portfolio.","start_word":3820,"end_word":3832,"sentiment":"positive","sentiment_score":0.41206011176109314},{"text":"Just make sure things are working harder for you. We've got a few other options that we could switch out some of these investments, maybe reduce the cost of your portfolio, have some investments that might be working a bit harder for you and see how that tracks towards your retirement goals. Are you comfortable with me reevaluating things for you? Yeah.","start_word":3833,"end_word":3894,"sentiment":"neutral","sentiment_score":0.12733519077301023},{"text":"Sounds good, Michelle.","start_word":3895,"end_word":3897,"sentiment":"positive","sentiment_score":0.35929635167121887},{"text":"Yeah. Yep.","start_word":3898,"end_word":3899,"sentiment":"neutral","sentiment_score":0.2907916009426117},{"text":"Beautiful. Yeah. Fantastic.","start_word":3900,"end_word":3902,"sentiment":"positive","sentiment_score":0.5765062570571899},{"text":"That's It just takes a couple of weeks to do the research there it. for you, Paul. So I'll go back and have a look at the portfolio, look at what it's doing, how it's tracking, and then we can kinda go from there.","start_word":3903,"end_word":3946,"sentiment":"neutral","sentiment_score":0.2213802933692932},{"text":"That'd be really good, Jay. One easy.","start_word":3947,"end_word":3953,"sentiment":"positive","sentiment_score":0.4600135087966919},{"text":"One of the things I did kinda wanna look at was how how you would like to see your funds invested. So there are different ways to build build portfolios, and one of those is to have active managers in there. Did you want us to look at sort of portfolios where there can be some active investment managers who might be taking on a bit more risk to try and outperform against the market, or would you like a portfolio that's probably a bit more low cost that's still performing just as well? What would you sort of want me to focus on? I think I think preferably more of a low cost one, to be honest. I like I like the sound Yeah. of, Absolutely like, the fine. the the lower end of the fees and then also, Low yeah, the yeah. the ETFs. I I kinda like the the risk profile of the Yep. ETFs, I suppose, where it's dealing with the top 200 Yeah. companies. Absolutely.","start_word":3954,"end_word":4123,"sentiment":"neutral","sentiment_score":0.10435094684362411},{"text":"Fantastic. That's not a problem at all. I would definitely look at that for you, and I'll come back after we've done the research, and we'll go through that advice document together.","start_word":4124,"end_word":4155,"sentiment":"positive","sentiment_score":0.4234405159950256},{"text":"Okay?","start_word":4156,"end_word":4156,"sentiment":"neutral","sentiment_score":0.21799270808696747},{"text":"Fantastic. Cool. Excellent.","start_word":4157,"end_word":4159,"sentiment":"positive","sentiment_score":0.502081036567688},{"text":"Now I can also see that your salary sacrificing at the moment, it looks like you're doing about $50 per week. Are you still salary Yep. sacrificing that? Yeah. Yeah. Yeah. Yep. Yeah. And you're Yeah. Yeah. still comfortable?","start_word":4160,"end_word":4198,"sentiment":"neutral","sentiment_score":0.05117340672474641},{"text":"Excellent.","start_word":4199,"end_word":4199,"sentiment":"positive","sentiment_score":0.6695148944854736},{"text":"Are you still comfortable keeping it that amount? Would you wanna look at increasing that, or you're sort of happy with it with all the changes you're going through in that Well, childcare costs? definitely definitely, possibly looking at increasing it, but for the next two years more more probably not in the next two years because more so we're all saving to find to do this big trip. You know what I mean? So Yes. my Yep. the money sort of forcing more that way than saving for the future Yeah. at the moment. So investing in in in a big trip around. Absolutely. Yeah. No. That's not a problem at all.","start_word":4200,"end_word":4312,"sentiment":"neutral","sentiment_score":0.059022001922130585},{"text":"That's absolutely fine.","start_word":4313,"end_word":4315,"sentiment":"positive","sentiment_score":0.4561429023742676},{"text":"I'll put that down as something we can focus on down the track there for you and just look to retain Yep. your current salary sacrifice.","start_word":4316,"end_word":4341,"sentiment":"neutral","sentiment_score":0.20063674449920657},{"text":"It's not a problem at all. Excellent.","start_word":4342,"end_word":4348,"sentiment":"positive","sentiment_score":0.4022007882595062},{"text":"Yep. The next couple of documents in that email, if you keep scrolling across there, you've got the Vanguard index chart. This you've probably seen a couple of times in the past. It's more just a bit of a tool and a guide to show you how funds are invested there. It does sort of show you that markets go through ups and downs, and because you are still so young and have that twenty one years before accessing super. It's about making sure Mhmm. that you're invested in a portfolio that can withstand the downtime knowing that we expect returns to be negative in some years, and we expect lower returns some years as well. And it's about making sure you're not wanting to access those funds within those downtime there. I Yes. will run through just a quick risk profile with you shortly, but you have time on your side to be able to withstand the ups and downs, go through the volatility before accessing your super, and not to get scared about the downtimes. Admittedly, it does happen. We are human. And if you are ever hearing anything in the market that is concerning you, please give us a call. Let us know.","start_word":4349,"end_word":4554,"sentiment":"neutral","sentiment_score":0.041995734265707074},{"text":"I'm more than happy to talk you through it.","start_word":4555,"end_word":4563,"sentiment":"positive","sentiment_score":0.6263596415519714},{"text":"Okay?","start_word":4564,"end_word":4564,"sentiment":"neutral","sentiment_score":0.287524551153183},{"text":"Yeah. Cool. Alright. Excellent.","start_word":4565,"end_word":4568,"sentiment":"positive","sentiment_score":0.5644989013671875},{"text":"The next document attached is your Zurich certificate of currency, just giving you a little bit more detail on, obviously, the the insurances that you do hold there. And then we've also got the financial services guide attached. This has been updated most recently, so it runs you through everything about who we are, what we do, how we do it. It's also noting that our fee structure is going to change as of next year as well. So it doesn't affect you at the moment, but, essentially, moving forward, our fee structure will be more of a tiered fee structure. So when your balance hits that $200,000 mark, it will then move into the next tier, and it means the tier drops a little bit. So at the moment, any balance is up to 200,000. So you do pay 1.65% for our ongoing service fee. When your balance Mhmm. is at $200,000 mark, you drop into the next tier down, and it drops to 1.375. So whenever your balance increases and you hit that tier's fee structure, it'll drop down a tier which is gonna work out better for yourself. Yeah. The Okay. other side The more of it money is I've that it's gonna be got more money yeah. I've got The invested lower with the you fee guys. structure. Yeah. Yeah. That's exactly right. It's kind of a good thing Yeah. to kinda Okay. build your sleeper up. The other difference is that we're gonna do it as a set dollar figure fee. So we will work out based on your balance at the time of the review how much you're expected to pay for the ongoing service fee for that year. We do add a 5% for growth to the fee. So it does Mhmm. mean it will show you a set dollar figure fee, which means that you can expect to pay a certain amount for the year with the current fee structure. If you get a ten, fifteen, or 20% return there, that fee kinda goes up with that return. So this will give you a lot more clarity around how much you're expected to pay for our services for the year, and it won't go Mhmm. over that set amount there for you. So it's about giving you more clarity Okay. on the service fee for that year, what's expected, and making sure that you obviously, as your super balance increases, that that you drop over to the next tier there as well. We're not Yeah. increasing the amount we're charging in any way. It's just that we've had to change the tier structure a little bit because the cost of advice and everything in the back end has increased as well. So we're just Yeah. making sure that it's still working for you guys, but also just giving you more clarity. And I personally like the set dollar figure because you know how much you're gonna pay us for that year, Yeah. whereas I see. the Yeah. tiers whereas percentage based fee can fluctuate with the market. So it's more just a bit of a guide for you if that makes sense. Yeah. Yeah. Yeah.","start_word":4569,"end_word":5101,"sentiment":"neutral","sentiment_score":0.08673897213660754},{"text":"Excellent.","start_word":5102,"end_word":5102,"sentiment":"positive","sentiment_score":0.3771642446517944},{"text":"So for this year, it is still with your balance under Sounds two good. 100,000 still, it is at 1.65%. So no real major change to yourself for the year. But, obviously, next year, I'll be able to show you a bit more detail there. Okay? Yeah. Cool. But by next year, it will obviously Excellent. yeah. Some of that, you know, will be above the 200 miles as well. Is that correct? We'd hope so. Yeah. Yes. Yeah. So, hopefully, next year, the balance will go up to that $200,000 mark, and then it will drop down to the next tier there for you.","start_word":5103,"end_word":5207,"sentiment":"neutral","sentiment_score":0.14961527287960052},{"text":"That'd be fabulous. Yeah. Excellent. Fantastic.","start_word":5208,"end_word":5213,"sentiment":"positive","sentiment_score":0.5405346751213074},{"text":"So I just wanted to run through and update a few additional details there for you currently. Now we did sort of make mention what your mortgage is, which is great. The sorry. Your main primary residence, what's the rough valuation you put on that for the moment? I think it's 150,000 ish. Yep.","start_word":5214,"end_word":5267,"sentiment":"neutral","sentiment_score":0.13887996971607208},{"text":"Beautiful.","start_word":5268,"end_word":5268,"sentiment":"positive","sentiment_score":0.5576357245445251},{"text":"And just a question with regard to that. When you take your big trip, are you planning on renting your house out for the Yeah. time We'll being, or we'll what's we'll the the plan for the house we'll keep it keep it and rent it. Yeah. of Keep the year? it Keep and rent and it rent out. it out, and you'll be gone.","start_word":5269,"end_word":5333,"sentiment":"neutral","sentiment_score":-0.000564371352083981},{"text":"So you're perfect.","start_word":5334,"end_word":5336,"sentiment":"positive","sentiment_score":0.35956501960754395},{"text":"And it'll be about one year that you're you're you're shipping around for. Is that right, or is it That's expected that's to be longer? the loose plan anyways. Yeah. We sort of we'll start going and see when we stop, I suppose. Yeah.","start_word":5337,"end_word":5380,"sentiment":"neutral","sentiment_score":0.0017222854075953364},{"text":"Fantastic. That'll be really, really great. I love that. Fantastic.","start_word":5381,"end_word":5390,"sentiment":"positive","sentiment_score":0.6432805061340332},{"text":"I've got your car down here. I'm just sorry. I don't know what kind of car it is. It says rough valuation of 22,000 on the vehicle. What would you value your car at? It'd be pretty similar. I suppose, you know, down to maybe 20 five down 2,000? to $2,020,000, I suppose, now. Yep. Perfect. If you go, And you're working what sort a of couple vehicle of grand is it? yeah. So I suppose the. A Hilux. Yep. Beautiful. Yeah. Hilux. Excellent. I've also got your caravan here with a value of 13,500. Would you change or alter that valuation at all? Well, to be honest, I haven't looked at the market, but, yeah, we'll keep it at that. That's fine. Yeah. That's okay. And then you've also got an investment portfolio with a few different stocks. And the evaluation we had last year was 17,000. Has that increased Yeah. a bit since then? I was done. I've done payments last year. I think it's up for about 20 now. That 20,000?","start_word":5391,"end_word":5564,"sentiment":"neutral","sentiment_score":0.032107897102832794},{"text":"Fantastic.","start_word":5565,"end_word":5565,"sentiment":"positive","sentiment_score":0.33336341381073},{"text":"Are you putting money into that regularly as well or just letting it sit and do what it It's does? more modest and most of the time, sort of sits in. So I've got I think let me have a quick look. I've got I think it's about $20 in the Comstock account, and I've opened a raise Yep. account as well. It's about a thousand bucks Beautiful.","start_word":5566,"end_word":5633,"sentiment":"neutral","sentiment_score":0.05690181956571691},{"text":"Right. Excellent. Yeah.","start_word":5634,"end_word":5636,"sentiment":"positive","sentiment_score":0.4780651330947876},{"text":"It's running it's running around exactly.","start_word":5637,"end_word":5642,"sentiment":"neutral","sentiment_score":0.3157489597797394},{"text":"So it's going up. Fantastic. Excellent.","start_word":5643,"end_word":5648,"sentiment":"positive","sentiment_score":0.4798665940761566},{"text":"And I've got your partner's car down here as well with a valuation of 20,000. Would you keep or alter that valuation? Yeah. Yeah. That'd be fine. Yeah. That's That maybe. okay. And what kind of car is that one? Hyundai Tucson. Tucson.","start_word":5649,"end_word":5691,"sentiment":"neutral","sentiment_score":0.07652504742145538},{"text":"Beautiful. Excellent.","start_word":5692,"end_word":5693,"sentiment":"positive","sentiment_score":0.38488903641700745},{"text":"It's probably Is there work any a little other bit assets less now. like that's Any okay. other big ticket? Yeah. Yeah. Anything else you wanna note down at all? Yeah. I think that's about a bit. Yep. Yeah. That's okay. Yeah. Absolutely fine. And then, also, the other thing I like to sort of look at is the beneficiary side of things as well. So I have I've got down here that you yourself and your partner, you've had a will and power of attorney join up in the past. Is that right? Yep. Yeah. We Yeah. have It's all you. current and valid as per your circumstances. Yeah. It should be. Yeah. Yeah. It should be. Yes. Yeah. Yes. My mom said add. We've had a baby since then, but I think it's just ads. So I think it's written a cause in the ads for for all our children even if she's not named. She might be named otherwise. Yeah. No. That's okay. Excellent. Have have you considered or have you done, like, a guardianship that sort of states what happens to the children if and when you both Yeah. I were think to pass I away? think I think we've got all that in certain place. Yeah. As part of it. Yeah. Yeah. Beautiful. So it's probably Excellent. the the document.","start_word":5694,"end_word":5918,"sentiment":"neutral","sentiment_score":0.03800949826836586},{"text":"Fantastic.","start_word":5919,"end_word":5919,"sentiment":"positive","sentiment_score":0.4802256226539612},{"text":"And then I've also got your beneficiaries noted here for your life and your so far, a 100% is Charlotte in the event that something occurs to you. Was that correct and accurate per your circumstances? Yep. Yep. I Yep. understand.","start_word":5920,"end_word":5960,"sentiment":"neutral","sentiment_score":0.10886390507221222},{"text":"Beautiful. Excellent. Lovely.","start_word":5961,"end_word":5963,"sentiment":"positive","sentiment_score":0.7425072193145752},{"text":"The last thing to run through quickly is just your risk profile questionnaire just to make sure you are invested in the correct portfolio does help when I'm just going back to update the advice for you. The first question here is basically, you know, if you were to say for your super fall by 20% over the next one to two years, how do you think you might be feeling in that instance? Are you considering it an investment opportunity and wanting to put some money into the market? Are you maybe holding and waiting, just letting it go through the ups and downs and calling us to have a bit of a chat, or are you feeling concerned and wanting to sell the investments to cash? How do you think you might react? What's that? What sorry. Say that spell that question again. What is the what what happened If you in saw school? this yeah. If you saw the super fall by, say, 20% over the next one to two years, how do you think you might be feeling? It'll rather be just write it out or Yep. yeah. Pro or or look. I'm trying to get the cash, but I feel like you're probably better off of those scenarios to write it out usually, Yeah. I guess. Realistically, writing it out is the best way to go. I've sort of ticked their hold and wait and maybe call us and see what we suggest you do. Does that sound appropriate for the answer? Yes. Yes. Yeah. Yes. That's all good. It is just the hold and wait. It is a hard thing to do, but staying invested throughout those downtimes is very important because you'd never know where the top of the bottom of the market is. The selling out means you've gotta find a point to buy in. And if you miss the top and the bottom of the market, you could be off by thousands of dollars, which compounding it, you know, a five or six Yes.","start_word":5964,"end_word":6306,"sentiment":"neutral","sentiment_score":-0.05462012439966202},{"text":"percent return over the longer term can have a much larger effect.","start_word":6307,"end_word":6318,"sentiment":"positive","sentiment_score":0.40507972240448},{"text":"So it's about staying invested through those downtimes and remembering you can't access it for twenty years. So you, you know, you you don't need to Yep. worry about stressing out about those moments. As hard as can definitely be, and I understand that. Yeah. The next one here is have you ever seen your super fall in value? If you have, again, how does it make you feel? Are you optimistic about the investment opportunities ahead? Are you cautious, concerned, or feeling anxious? How do you think Obviously, everyone feels you anxious, but Sony becomes might a big concern for me if feel?","start_word":6319,"end_word":6422,"sentiment":"neutral","sentiment_score":-0.03995116800069809},{"text":"everything else is starting to fall apart.","start_word":6423,"end_word":6429,"sentiment":"negative","sentiment_score":-0.5803898572921753},{"text":"You know what I mean?","start_word":6430,"end_word":6434,"sentiment":"neutral","sentiment_score":-0.2340487241744995},{"text":"The whole the whole world Mhmm. starts to fall apart.","start_word":6435,"end_word":6444,"sentiment":"negative","sentiment_score":-0.4305126667022705},{"text":"Yeah. Then in a second. You're Yep. concerned about the sofa because the sofa is just the stopping up of doing it. So it's just gonna go up and down Yeah. and imagine. Anyway, it's like Yep. like Yep. all things. Absolute that's okay.","start_word":6445,"end_word":6488,"sentiment":"neutral","sentiment_score":-0.06122929602861405},{"text":"Absolutely. Fantastic.","start_word":6489,"end_word":6490,"sentiment":"positive","sentiment_score":0.43332913517951965},{"text":"And the last one here is when you think about the level of risk you're taking, are you comfortable taking on a higher level of risk to get greater potential returns knowing the downside is also reflective of that, or are you more comfortable taking on a moderate or medium amount of risk to get the best returns you can? Where would you fit Probably in that scenario? moderate to high risk just because of, like you say, it's Yep. still at twenty years or so. But I don't wanna Yep. see see how to deal all my money eroding by making the Yeah. wrong call. So yeah. Yep.","start_word":6491,"end_word":6599,"sentiment":"neutral","sentiment_score":-0.055206142365932465},{"text":"Absolutely. Fantastic.","start_word":6600,"end_word":6601,"sentiment":"positive","sentiment_score":0.41259682178497314},{"text":"And the last one I have here is just, have you ever considered borrowing to invest in shares or managed funds, or would you only ever wanna borrow for safe property? How do you see the risk around borrowing to invest? I need to do more research into it, you know, some think about I Yep. I like the idea, and I probably should be putting more time into thinking about it. But at That's this point okay. in time, I just three young kids who just end up not thinking about it enough. Yes? Yeah. And you've got that trip that you're planning for as well, so That's understandable. exactly right. No. Yep. That's okay.","start_word":6602,"end_word":6717,"sentiment":"neutral","sentiment_score":0.05852057146719368},{"text":"Beautiful.","start_word":6718,"end_word":6718,"sentiment":"positive","sentiment_score":0.5630037188529968},{"text":"Now with where you have essentially scored that you have scored as a growth investor. So that does say generally about 80% of your super invested in growth assets, so things like Australian and international shares, listed property and commodities like gold and silver, and Yep. then the other 20% in low risk defensive investments, so things like cash, bonds, and fixed interest. With the Yes. growth portfolio, when you consider, say, the risk out of a number between one and five, five being the highest level of risk and one being probably the lowest sitting all in cash, you're sitting at about a three. So you're kind of in that midway point there. For your age and stage, that growth portfolio generally suits quite nicely. We're kind of expecting or wanting to achieve about a seven to 9% return compounding forward over the next twenty years there, and the likelihood of a negative return is about one in every sort of five years. Do you feel like that's fairly comfortable for where you're sitting? Did you Yeah. wanna keep It's that it's kind of a environment? that sounds pretty good here. Yep. Yep.","start_word":6719,"end_word":6912,"sentiment":"neutral","sentiment_score":0.0392397977411747},{"text":"Beautiful. Fantastic. Excellent.","start_word":6913,"end_word":6915,"sentiment":"positive","sentiment_score":0.5627026557922363},{"text":"Well, what I'll do, just to kinda recap, I'll go back and just reassess you, Steve, for the investments, look at rebalancing and maybe switching some things out, look at more of a low cost portfolio there for you, try to reduce fees where I possibly can, and look at what Mhmm. we can do for the advice. We'll update the statement of advice to reflect that, keeping contributions based on your current rate and retaining the $50 per week salary sacrifice there, not increasing down the track. Mhmm. We'll retain insurances as they are. You're happy with the life and TPD, not worrying about income protection. I'll send you an email shortly just to get the information from your EBA there. And with scoping at not factoring any any new insurances like trauma or child trauma currently. And then medium term goals down the track, we are also looking at, you know, your big holiday down the track, possibly increasing contributions after that time frame. And just sort of tracking forward, you're still hoping to access Super around about 60. Is that right for your goal still? Yeah. Yeah. That sounds right. I don't Yeah. I don't know That's if that's I a yes. I can access the speaker at sixty, but I can't access the don't get attention to a moment. 70. Is that correct? So the age 60 pension for seven? eligible recipients is 67 currently. Yeah. But you can access super at 60. The way I Yeah. tend to work it out with a lot of my retiree clients is that we look at if they wanna access super at 60, what they need to live on, how we draw that between 60 to 67, And then from 67, depending on eligibility, you know, what age pension access do they get and how do we reduce the the withdrawal from 60 there.","start_word":6916,"end_word":7231,"sentiment":"neutral","sentiment_score":0.07020577081019365},{"text":"So it's definitely possible. It's not a problem. It's something it's your goal.","start_word":7232,"end_word":7244,"sentiment":"positive","sentiment_score":0.4212527275085449},{"text":"We can look at it down the track to assist you in that area. Okay? Yeah.","start_word":7245,"end_word":7260,"sentiment":"neutral","sentiment_score":0.29349106550216675},{"text":"Cool. Beautiful. Excellent. And I'll retain the growth environment there for you.","start_word":7261,"end_word":7272,"sentiment":"positive","sentiment_score":0.6262577176094055},{"text":"Have I missed anything? Is there anything that you think I maybe not have touched on or any additional questions you have that you maybe wanted to bring up with me at all? One other thing is within the last Yeah. four and a half year, I mean, last four and a half year, I inherited a a lot of some of the money, so about a 100 and Mhmm. $50,000 loan, something like that. So I've just probably Yep. basically put it all straight into the mortgage for now. I'm just sort of Yep. double checking that's the sort of the best way to go. I suppose the best way to go. And is there is there gonna be any more tax implications from in erroring the money as well? Yeah. Well, I mean, putting it on the mortgage isn't a bad thing. Essentially, you're putting it onto your main primary residence.","start_word":7273,"end_word":7425,"sentiment":"neutral","sentiment_score":0.07325083134221096},{"text":"Money held within the loan gives you a guaranteed rate of return. You could definitely look to invest that in other areas if you wanted to, but one of the big things you kind of pulled out with me is that you wanna take this big trip as well.","start_word":7426,"end_word":7474,"sentiment":"positive","sentiment_score":0.48145148158073425},{"text":"So if you were to invest that money outside of Super, would you then be wanting to draw on that to a put back on the mortgage at a later time to reduce the interest payable, or would you be wanting to maybe draw that money out in the next in the next, what, two years to be able to take your big trip around the country? Potentially. Do you think that Yeah. that would need to be access yeah. So, realistically, I wouldn't wanna be investing anything that in the short term that you're gonna utilize within the next sort of three years. Investing Yeah. should always be more of a longer term investment, so keeping on the mortgage for now isn't a bad thing. You've also Yep. now got childcare costs and your wife going back to work, and it could mean that your hours drop a little bit as well. So Yep.","start_word":7475,"end_word":7629,"sentiment":"neutral","sentiment_score":0.1437114030122757},{"text":"shelter that money on your mortgage isn't a bad thing. It saves on I'm interest late.","start_word":7630,"end_word":7645,"sentiment":"positive","sentiment_score":0.4343937337398529},{"text":"for you.","start_word":7646,"end_word":7647,"sentiment":"neutral","sentiment_score":0.231733962893486},{"text":"If you ever Thank did wanna you.","start_word":7648,"end_word":7654,"sentiment":"positive","sentiment_score":0.34444284439086914},{"text":"sort of talk more about what you can do, that's absolutely fine. But one of Good your bye. goals Stay is paying close. down your mortgage the biggest thing you have going. Is that something you wanted to really do front as Yeah. a I mean, ideally, goal? we'd have Yeah. it sort of paid up paid off by a time ago, which is almost always Yeah. pretty close. Yeah. You know what I mean? But then we'll be taking some of that Yeah. money back out of the offset to, like, caravans Absolutely. and whatever else. Yeah. Correct. So, look, putting it on the mortgage is the right place for that money at the moment with everything you've got. Your main sort of medium term goal you've mentioned is to kind of pay the mortgage down as quickly as possible, but then also drawing on that money back when you need it to. So it's on the mortgage. It's saving you interest for the shorter term, but then it's also accessible in the short term if you need it. The other side to that is if you invest the money in portfolios that side of Stupa, there are tax consequences that because you are getting growth in income, which needs to be included in your personal taxable income. So having it Yes. where it is at the moment, there's no ongoing tax consequences Yes. just for us sitting in your mortgage, and you're kinda sheltering that money as well. And saving on interest on the mortgage, which in Still my get book the with input. how much I pay on my home loan is not bad. Yeah. I mean, that's it. It's it's Yeah. basically getting a a 6% return on your more on your money, aren't you, because you're saving 6% Yeah. in your mortgage. That's correct. That's correct. Yeah. Definitely. So does that answer your question for the moment? Does that Yeah. did you need Yeah. any further clarity on that currently? No. That no. That's fine. That's good.","start_word":7655,"end_word":7996,"sentiment":"neutral","sentiment_score":0.13662256731798775},{"text":"Excellent. Beautiful. Well, look. Thank you so much for your time today, Paul. It's been an absolute pleasure.","start_word":7997,"end_word":8014,"sentiment":"positive","sentiment_score":0.6496089100837708},{"text":"If you can just sign and return the annual review pack when you've got a second there just so we can No have worries. everything on file updated, And I'll go back and just update the advice there for you, and we'll come back in a few weeks and wrap it together. How does that sound? Yeah.","start_word":8015,"end_word":8071,"sentiment":"neutral","sentiment_score":0.2321760356426239},{"text":"Sounds good.","start_word":8072,"end_word":8073,"sentiment":"positive","sentiment_score":0.41117116808891296},{"text":"So I'll sign Yep. it over now. Yeah.","start_word":8074,"end_word":8081,"sentiment":"neutral","sentiment_score":0.2050764262676239},{"text":"That'd be fabulous if you're comfortable to do so.","start_word":8082,"end_word":8090,"sentiment":"positive","sentiment_score":0.4737635552883148},{"text":"Yeah. And then you'll you'll give me a call in a couple of weeks, and I'll go through what Yep. we're gonna Yep. Well, change over. absolutely. Yeah. This takes a couple of weeks to do the research component around the side of things. And as soon as that is good to go, my team will book you back in, and we'll run through things together. You'll get the statement advice to look at. I'll run through the recommendations I'm making, and then you get to take it away and read it and decide whether you're happy to take those recommendations on or not.","start_word":8091,"end_word":8194,"sentiment":"neutral","sentiment_score":0.14818962692068174},{"text":"Yeah. Sweet. Sounds good. Okay. Easy.","start_word":8195,"end_word":8200,"sentiment":"positive","sentiment_score":0.5150259137153625},{"text":"So do you want me Beautiful. to send me through Thanks. do you want me to send you through my You're EBI sorry? as well? Yeah. I'm just doing up an email now to send to you just to request that so you've got my direct email there for you. Okay? No worries. Okay?","start_word":8201,"end_word":8254,"sentiment":"neutral","sentiment_score":0.1287451833486557},{"text":"Beautiful. Easy. Well, I hope you have a good day painting the fence. I hope you enjoy the rest of your day. Cool. You too. Have a good one. Easy. Thank you so much for your time, Paul. Easy. Thank you. You have a great day. Thank Thank you. you.","start_word":8255,"end_word":8304,"sentiment":"positive","sentiment_score":0.7294681072235107},{"text":"See you Well, later. you catch Bye. that. Bye.","start_word":8305,"end_word":8313,"sentiment":"neutral","sentiment_score":0.2542910575866699}],"average":{"sentiment":"neutral","sentiment_score":0.0905902247079042}}}}