{"metadata":{"transaction_key":"deprecated","request_id":"01a0b18f-776f-7043-8171-f22bbc35a5c7","sha256":"aaaa7bc655b3eee64b31999da71c6013b307fe99b860067f08e6790b1c5c1337","created":"2026-09-17T22:49:27.201Z","duration":1062.5759,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3738,"output_tokens":141},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4162,"output_tokens":4171},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4162,"output_tokens":360}},"results":{"channels":[{"alternatives":[{"transcript":"Ali, good morning. It's Tommy here, senior adviser from. How are you doing? I'm doing absolutely fantastic. I'm doing absolutely fantastic. Happy Friday to you. Good to hear. Good to hear. I had you sort of push back a little bit earlier today for your review just to kind of marry up with your schedule. Do you still have a bit of time for me? Perfect. Alright. I'll go through a quick security check with you. I'll send through a bit of a review pack. And if you need to kind of switch around when you hop out of the car, just let me know. That's no worries. Awesome. Now I'll get this email sent off to you just with the usual kind of certificates for the insurance, service guides from overview, performance reports, and such. And could I please grab your overview password if you recall? That's the 1. Perfect. Perfect. And you're okay for the call to be recorded? Awesome. So what I was gonna do today is just go through, update your details, run through some ideas for the super. Is there anything in particular you wanted me to focus on for this review? Yeah. That's right. Because you're out on your own, so the way to do it is we can send you, like, a BPAY or EFT details. And I think we originally recommended that $50 as a bit of a starting point. Does that sound reasonable? Yep. So once we get that going in there, around about the end of June, we'll do a form with you called a notice of intent to claim form, and we just need to get that accepted by the super fund and the tax office before you do your tax return. Perfect. And how has it been going out on your own? Oh, no. Yes. Yeah. Yep. Fair enough. And when you went through the tax season, we were kind of estimating you might still be around the 60,000 mark for the income side of things. What did it end up ending like? Oh my lord. Yeah. Okay. So you wanna cut back to that $1.30? Yeah. Okay. So I'll put in a bit of an updated plan because I wanted to update a couple of investments inside the super. We'll send you through the BPA EFC details for the contribution, and then I'll flag you for that notice of intent form so the team can reach out to you around June, July. No worries at all. And outside of that, so I'm assuming it's still in George Street address wise? Cool. As far as the the home and the mortgage goes, I think we had you at 581,000. Have you paid a chunk off of that? $6.10. I'll do a quick online updated evaluation there. Just bear with me for a sec. 610 Owing. And in terms of obviously, when you're in, like, self employed, you're trying to put aside some money for, like, taxes and so on. But do you have a bit of a pool of, like, personal savings off to the side, or is it all mixed together? Yes. Yes. And you're just gonna sort of pay it off and keep it in redraw, or is it like an offset account? K. And do you still have that that loan on the Hilux? Awesome. Well done. Beautiful. Beautiful. Beautiful. Couple of quick checks from last time. So that's the assets and liabilities. No other loans or assets floating around outside of that? Alrighty. In terms of the estate planning, we had that you had, like, a will in place, but we weren't sure if you had, like, a power of attorney for, you know, if you're in hospital or something like that. Alright. I'll put it as a yes. Okay. So when it comes to the super, we've got Ollie listed as the beneficiary directly. One of the things that you might wanna consider doing is if you do put in place the will and update it all, we can we can aim the super after will so it becomes an estate after. And then you can be a bit more specific in how that money gets used for him rather than it just going to him directly and controlled by whoever takes over his guardian. Yes. And then once that's in place, we can update the beneficiary nomination. So you what you basically wanna say is that you want your your server to be handled by the will and possibly look at the testamentary trust will, which basically what happens is, you know, if you pass away, the will activates and creates a trust fund, and all those funds get pulled into there. And then you've got more control over, you know, who can look after the funds and how they could be spent for the beneficiary. I'll include that in the updated plan just so you've got that info there as well. And just in terms of the service, obviously, without the contributions going in, it's it's kind of stalled a little bit because the stock market dropped twice in March and then just this month as well. It's still positive for the year a few percent. Still growing a little bit. But with the premiums coming out and the market dropping, it's just kind of stalled a little bit. That's all. But in terms of the portfolio, everything's looking pretty good. There's just one kind of, like, term deposit that the government's phasing out next year, so I'm just gonna update that one. And there was that one option that was kind of underperforming. I'm gonna switch that one out as well. Cool. And are you okay for it to still kind of be that growth risk profile? You know how we've got, like, the 80% in shares property goal, just trying to get as much growth as possible without being high risk. Are you still okay with that? Perfect. And the last couple of things for me just in terms of the insurances. So this one's a bit tricky. So you've got 868,000 worth of life and disability insurance. Not too expensive there. That's with a sender. Do you want me to keep that one as is? Do you want me to lower it, increase it? What are you thinking on those two? Well, it clears out the mortgage and leave. If you add your super in there, it'll still leave a good $4,500,000 after the mortgage is cleared for either if you can ever work again to sort of fund your lifestyle or if you pass away, you can set the kids up. Yeah. It should be alright. The one that's kind of a bit bit iffy for me is more the income protection. So well, when I'm looking at it so it's only covering you for 3,000 a month worth of cover, which is protecting an income of 54,000. So it's very, very low in cover amounts. You've got a thirty day waiting period and a five year benefit period, which is great. You know, you're out of work for a month, kicks in for up to five years. Anything more than five years, here's your TBD lump sum. But what I would need to do then so I I don't know if you were out of work for six months if you'd be able to live on 600 a week, that kind of thing. Yeah. But then we've got quite a quite a big range. So if I was to look at the the 130,000 as an example, you can do 70%, which is just under 7,600 a month. So we'd be doubling it. And that is what was that? Sorry. What about 80? Bear in mind that's before tax too. So if I do 80, that'll ensure for 56,000 so 4,666 a month. So about a thousand dollars a week. Would that do? Yeah. So one thing I wanted to kind of run by you is two two little things, and you don't have to fully decide it right now. But if we increase the income protection, there's gonna be more fees coming out of the super, so that's gonna hurt things a little bit. You can do two options. You can actually pay for income protection out of pocket, and it's fully tax deductible, which if you're earning a 130, 200,000, you'll save a good 37 percent on the premium. The other thing you can do, if it's easier, sometimes I get people to salary sacrifice or put it in as contributions. You know how we're saying the $50 a week? If you're okay to increase that a little bit, you can still get the same tax deduction through the super, leave the income protection in there, but it's something that you can start, stop, increase, decrease depending on what you need cash flow wise. So I'll I'll give you an example. So if it was to kind of double the cover amount, it might be, like, 3,000 a year kind of thing. So if I work that back, 50 so possibly, like, another 50 a week into the super to fully cover that. Correct. So let's say you put in a 100 a week, you would claim that back and get another 30, you know, $37 a week back, which would get you another $2 back in your tax. Okay. So I'll set the plan as a 100 before tax, and we'll see how we go with that. If it becomes a problem with your cash flow, again, you you control your contributions. It's up to you. Cool. Now because this policy came in fourth in 2023, increasing it, they go through, obviously, like, health questions again. So I'm just wondering what what sort of happened the last three years in terms of doctors, diagnosis, medications that may give you, you know, an exclusion or Cool. If it's okay with you, I would like to try and research if there's an alternative provider that might be cheaper. But if not, I'll just do an alteration quote through a sender. Awesome. My last question is just in terms of the specific duties that you're doing, are we still just saying it's fully, like, aged care or disability support, or do you kind of lean towards one specifically now? Yep. And you just kind of contract out under the ABN? Yep. And it's all, like, in home visits, that kind of thing? Yep. And we've done. And anything that we use for the application for a sender, if there's been no other health concerns, concerns, we'll use that. But, again, once I've updated the plan, it'll have the updated contribution, the the stuff about the will and beneficiary, the quote for the insurance, the super, and then we'll basically just book you in for a bit of an application with Jack. It should take about twenty minutes or so, but we can do that on a separate day. Sounds good. Is there anything else I can help with at the moment? Yeah. I will I'll get the team to send that through to you straight away. It might be Monday, though. Easy done. And you did already sign a consent form for us to remain advisers with Hub. So it's still the same 1.65%. When we do eventually get you up to 200,000, we do have discounts now for clients over 200,000. So we'll get you out there as soon as we can. No worries, Ali. Look. Thank you for taking a bit of your Friday morning with me. Is there anything else I can do before I let you go? You're most welcome. I'll talk to you in a few weeks once we've got the plan together, and have a fantastic weekend. Thanks. 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good morning. It's Tommy here, senior adviser from. How are you doing? I'm doing absolutely fantastic. I'm doing absolutely fantastic.\n\nHappy Friday to you. Good to hear. Good to hear. I had you sort of push back a little bit earlier today for your review just to kind of marry up with your schedule. Do you still have a bit of time for me?\n\nPerfect. Alright. I'll go through a quick security check with you. I'll send through a bit of a review pack. And if you need to kind of switch around when you hop out of the car, just let me know.\n\nThat's no worries. Awesome. Now I'll get this email sent off to you just with the usual kind of certificates for the insurance, service guides from overview, performance reports, and such. And could I please grab your overview password if you recall? That's the 1.\n\nPerfect. Perfect. And you're okay for the call to be recorded? Awesome. So what I was gonna do today is just go through, update your details, run through some ideas for the super.\n\nIs there anything in particular you wanted me to focus on for this review? Yeah. That's right. Because you're out on your own, so the way to do it is we can send you, like, a BPAY or EFT details. And I think we originally recommended that $50 as a bit of a starting point.\n\nDoes that sound reasonable? Yep. So once we get that going in there, around about the end of June, we'll do a form with you called a notice of intent to claim form, and we just need to get that accepted by the super fund and the tax office before you do your tax return. Perfect. And how has it been going out on your own?\n\nOh, no. Yes. Yeah. Yep. Fair enough.\n\nAnd when you went through the tax season, we were kind of estimating you might still be around the 60,000 mark for the income side of things. What did it end up ending like? Oh my lord. Yeah. Okay.\n\nSo you wanna cut back to that $1.30? Yeah. Okay. So I'll put in a bit of an updated plan because I wanted to update a couple of investments inside the super. We'll send you through the BPA EFC details for the contribution, and then I'll flag you for that notice of intent form so the team can reach out to you around June, July.\n\nNo worries at all. And outside of that, so I'm assuming it's still in George Street address wise? Cool. As far as the the home and the mortgage goes, I think we had you at 581,000. Have you paid a chunk off of that?\n\n$6.10. I'll do a quick online updated evaluation there. Just bear with me for a sec. 610 Owing. And in terms of obviously, when you're in, like, self employed, you're trying to put aside some money for, like, taxes and so on.\n\nBut do you have a bit of a pool of, like, personal savings off to the side, or is it all mixed together? Yes. Yes. And you're just gonna sort of pay it off and keep it in redraw, or is it like an offset account? K.\n\nAnd do you still have that that loan on the Hilux? Awesome. Well done. Beautiful. Beautiful.\n\nBeautiful. Couple of quick checks from last time. So that's the assets and liabilities. No other loans or assets floating around outside of that? Alrighty.\n\nIn terms of the estate planning, we had that you had, like, a will in place, but we weren't sure if you had, like, a power of attorney for, you know, if you're in hospital or something like that. Alright. I'll put it as a yes. Okay. So when it comes to the super, we've got Ollie listed as the beneficiary directly.\n\nOne of the things that you might wanna consider doing is if you do put in place the will and update it all, we can we can aim the super after will so it becomes an estate after. And then you can be a bit more specific in how that money gets used for him rather than it just going to him directly and controlled by whoever takes over his guardian. Yes. And then once that's in place, we can update the beneficiary nomination. So you what you basically wanna say is that you want your your server to be handled by the will and possibly look at the testamentary trust will, which basically what happens is, you know, if you pass away, the will activates and creates a trust fund, and all those funds get pulled into there.\n\nAnd then you've got more control over, you know, who can look after the funds and how they could be spent for the beneficiary. I'll include that in the updated plan just so you've got that info there as well. And just in terms of the service, obviously, without the contributions going in, it's it's kind of stalled a little bit because the stock market dropped twice in March and then just this month as well. It's still positive for the year a few percent. Still growing a little bit.\n\nBut with the premiums coming out and the market dropping, it's just kind of stalled a little bit. That's all. But in terms of the portfolio, everything's looking pretty good. There's just one kind of, like, term deposit that the government's phasing out next year, so I'm just gonna update that one. And there was that one option that was kind of underperforming.\n\nI'm gonna switch that one out as well. Cool. And are you okay for it to still kind of be that growth risk profile? You know how we've got, like, the 80% in shares property goal, just trying to get as much growth as possible without being high risk. Are you still okay with that?\n\nPerfect. And the last couple of things for me just in terms of the insurances. So this one's a bit tricky. So you've got 868,000 worth of life and disability insurance. Not too expensive there.\n\nThat's with a sender. Do you want me to keep that one as is? Do you want me to lower it, increase it? What are you thinking on those two? Well, it clears out the mortgage and leave.\n\nIf you add your super in there, it'll still leave a good $4,500,000 after the mortgage is cleared for either if you can ever work again to sort of fund your lifestyle or if you pass away, you can set the kids up. Yeah. It should be alright. The one that's kind of a bit bit iffy for me is more the income protection. So well, when I'm looking at it so it's only covering you for 3,000 a month worth of cover, which is protecting an income of 54,000.\n\nSo it's very, very low in cover amounts. You've got a thirty day waiting period and a five year benefit period, which is great. You know, you're out of work for a month, kicks in for up to five years. Anything more than five years, here's your TBD lump sum. But what I would need to do then so I I don't know if you were out of work for six months if you'd be able to live on 600 a week, that kind of thing.\n\nYeah. But then we've got quite a quite a big range. So if I was to look at the the 130,000 as an example, you can do 70%, which is just under 7,600 a month. So we'd be doubling it. And that is what was that?\n\nSorry. What about 80? Bear in mind that's before tax too. So if I do 80, that'll ensure for 56,000 so 4,666 a month. So about a thousand dollars a week.\n\nWould that do? Yeah. So one thing I wanted to kind of run by you is two two little things, and you don't have to fully decide it right now. But if we increase the income protection, there's gonna be more fees coming out of the super, so that's gonna hurt things a little bit. You can do two options.\n\nYou can actually pay for income protection out of pocket, and it's fully tax deductible, which if you're earning a 130, 200,000, you'll save a good 37 percent on the premium. The other thing you can do, if it's easier, sometimes I get people to salary sacrifice or put it in as contributions. You know how we're saying the $50 a week? If you're okay to increase that a little bit, you can still get the same tax deduction through the super, leave the income protection in there, but it's something that you can start, stop, increase, decrease depending on what you need cash flow wise. So I'll I'll give you an example.\n\nSo if it was to kind of double the cover amount, it might be, like, 3,000 a year kind of thing. So if I work that back, 50 so possibly, like, another 50 a week into the super to fully cover that. Correct. So let's say you put in a 100 a week, you would claim that back and get another 30, you know, $37 a week back, which would get you another $2 back in your tax. Okay.\n\nSo I'll set the plan as a 100 before tax, and we'll see how we go with that. If it becomes a problem with your cash flow, again, you you control your contributions. It's up to you. Cool. Now because this policy came in fourth in 2023, increasing it, they go through, obviously, like, health questions again.\n\nSo I'm just wondering what what sort of happened the last three years in terms of doctors, diagnosis, medications that may give you, you know, an exclusion or Cool. If it's okay with you, I would like to try and research if there's an alternative provider that might be cheaper. But if not, I'll just do an alteration quote through a sender. Awesome. My last question is just in terms of the specific duties that you're doing, are we still just saying it's fully, like, aged care or disability support, or do you kind of lean towards one specifically now?\n\nYep. And you just kind of contract out under the ABN? Yep. And it's all, like, in home visits, that kind of thing? Yep.\n\nAnd we've done. And anything that we use for the application for a sender, if there's been no other health concerns, concerns, we'll use that. But, again, once I've updated the plan, it'll have the updated contribution, the the stuff about the will and beneficiary, the quote for the insurance, the super, and then we'll basically just book you in for a bit of an application with Jack. It should take about twenty minutes or so, but we can do that on a separate day. Sounds good.\n\nIs there anything else I can help with at the moment? Yeah. I will I'll get the team to send that through to you straight away. It might be Monday, though. Easy done.\n\nAnd you did already sign a consent form for us to remain advisers with Hub. So it's still the same 1.65%. When we do eventually get you up to 200,000, we do have discounts now for clients over 200,000. So we'll get you out there as soon as we can. No worries, Ali.\n\nLook. Thank you for taking a bit of your Friday morning with me. Is there anything else I can do before I let you go? You're most welcome. I'll talk to you in a few weeks once we've got the plan together, and have a fantastic weekend.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Ali, good morning.","start":6.3199997,"end":7.12,"sentiment":"neutral","sentiment_score":0.190643643339475},{"text":"It's Tommy here, senior adviser from.","start":7.12,"end":9.2,"sentiment":"neutral","sentiment_score":0.14786949505408606},{"text":"How are you doing?","start":9.2,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.1343579776585102},{"text":"I'm doing absolutely fantastic.","start":12.559999,"end":13.94,"sentiment":"positive","sentiment_score":0.7235731035470963},{"text":"I'm doing absolutely fantastic.","start":14.025,"end":16.871666,"sentiment":"positive","sentiment_score":0.5786123722791672}],"sentiment":"positive","sentiment_score":0.3431105578229541,"num_words":21,"start":6.3199997,"end":16.871666},{"sentences":[{"text":"Happy Friday to you.","start":16.945,"end":19.064999,"sentiment":"neutral","sentiment_score":0.2825853303074837},{"text":"Good to hear.","start":19.064999,"end":19.705,"sentiment":"positive","sentiment_score":0.43361353874206543},{"text":"Good to hear.","start":19.705,"end":20.525,"sentiment":"positive","sentiment_score":0.376437783241272},{"text":"I had you sort of push back a little bit earlier today for your review just to kind of marry up with your schedule.","start":20.904999,"end":26.67,"sentiment":"neutral","sentiment_score":0.11978152953088284},{"text":"Do you still have a bit of time for me?","start":26.67,"end":28.61,"sentiment":"neutral","sentiment_score":0.02601697500795126}],"sentiment":"neutral","sentiment_score":0.15216867604546927,"num_words":44,"start":16.945,"end":28.61},{"sentences":[{"text":"Perfect.","start":34.67,"end":35.15,"sentiment":"positive","sentiment_score":0.3729318380355835},{"text":"Alright.","start":35.15,"end":35.55,"sentiment":"neutral","sentiment_score":0.19337332248687744},{"text":"I'll go through a quick security check with you.","start":35.55,"end":37.55,"sentiment":"neutral","sentiment_score":0.14658749434683058},{"text":"I'll send through a bit of a review pack.","start":37.55,"end":39.315,"sentiment":"neutral","sentiment_score":0.14128368182314766},{"text":"And if you need to kind of switch around when you hop out of the car, just let me know.","start":39.555,"end":43.074997,"sentiment":"neutral","sentiment_score":0.08485622871667146}],"sentiment":"neutral","sentiment_score":0.12135675800964237,"num_words":40,"start":34.67,"end":43.074997},{"sentences":[{"text":"That's no worries.","start":43.074997,"end":43.975,"sentiment":"neutral","sentiment_score":0.11412853002548218},{"text":"Awesome.","start":46.754997,"end":47.254997,"sentiment":"positive","sentiment_score":0.34367799758911133},{"text":"Now I'll get this email sent off to you just with the usual kind of certificates for the insurance, service guides from overview, performance reports, and such.","start":47.714996,"end":56.5,"sentiment":"neutral","sentiment_score":0.20068121287557814},{"text":"And could I please grab your overview password if you recall?","start":57.28,"end":60.74,"sentiment":"neutral","sentiment_score":0.08043672923337329},{"text":"That's the 1.","start":62.96,"end":66.645,"sentiment":"neutral","sentiment_score":0.04949016993244489}],"sentiment":"neutral","sentiment_score":0.15861624148156908,"num_words":45,"start":43.074997,"end":66.645},{"sentences":[{"text":"Perfect.","start":67.104996,"end":67.585,"sentiment":"neutral","sentiment_score":0.21852122247219088},{"text":"Perfect.","start":67.585,"end":68.065,"sentiment":"neutral","sentiment_score":0.20480045676231384},{"text":"And you're okay for the call to be recorded?","start":68.065,"end":70.005,"sentiment":"neutral","sentiment_score":0.08218380891614491},{"text":"Awesome.","start":72.545,"end":73.025,"sentiment":"neutral","sentiment_score":0.29606419801712036},{"text":"So what I was gonna do today is just go through, update your details, run through some ideas for the super.","start":73.025,"end":78.244995,"sentiment":"neutral","sentiment_score":0.1907186848776681}],"sentiment":"neutral","sentiment_score":0.1655797739372109,"num_words":33,"start":67.104996,"end":78.244995},{"sentences":[{"text":"Is there anything in particular you wanted me to focus on for this review?","start":78.76,"end":82.22,"sentiment":"neutral","sentiment_score":0.08823976506079946},{"text":"Yeah.","start":97.835,"end":98.075,"sentiment":"neutral","sentiment_score":0.044776663184165955},{"text":"That's right.","start":98.075,"end":98.635,"sentiment":"neutral","sentiment_score":0.06877903267741203},{"text":"Because you're out on your own, so the way to do it is we can send you, like, a BPAY or EFT details.","start":98.635,"end":105.375,"sentiment":"neutral","sentiment_score":0.06308555052332256},{"text":"And I think we originally recommended that $50 as a bit of a starting point.","start":105.835,"end":110.8,"sentiment":"neutral","sentiment_score":0.05841693555315335}],"sentiment":"neutral","sentiment_score":0.06808932972225276,"num_words":55,"start":78.76,"end":110.8},{"sentences":[{"text":"Does that sound reasonable?","start":110.8,"end":111.94,"sentiment":"neutral","sentiment_score":0.08018321916460991},{"text":"Yep.","start":114.8,"end":115.200005,"sentiment":"neutral","sentiment_score":0.14217489957809448},{"text":"So once we get that going in there, around about the end of June, we'll do a form with you called a notice of intent to claim form, and we just need to get that accepted by the super fund and the tax office before you do your tax return.","start":115.200005,"end":128.965,"sentiment":"neutral","sentiment_score":0.1083548265695572},{"text":"Perfect.","start":131.665,"end":132.145,"sentiment":"positive","sentiment_score":0.7306942939758301},{"text":"And how has it been going out on your own?","start":132.145,"end":134.52,"sentiment":"positive","sentiment_score":0.4021885335445404}],"sentiment":"neutral","sentiment_score":0.16110952627478223,"num_words":66,"start":110.8,"end":134.52},{"sentences":[{"text":"Oh, no.","start":142.02,"end":142.76001,"sentiment":"neutral","sentiment_score":-0.2732752189040184},{"text":"Yes.","start":160.545,"end":161.045,"sentiment":"neutral","sentiment_score":-0.06777994334697723},{"text":"Yeah.","start":168.78,"end":169.28,"sentiment":"neutral","sentiment_score":-0.06358789652585983},{"text":"Yep.","start":182.00499,"end":182.50499,"sentiment":"neutral","sentiment_score":0.08140560984611511},{"text":"Fair enough.","start":182.56499,"end":183.20499,"sentiment":"neutral","sentiment_score":0.10895106568932533}],"sentiment":"neutral","sentiment_score":-0.05408721949372973,"num_words":7,"start":142.02,"end":183.20499},{"sentences":[{"text":"And when you went through the tax season, we were kind of estimating you might still be around the 60,000 mark for the income side of things.","start":183.20499,"end":192.48,"sentiment":"neutral","sentiment_score":0.04008992105998375},{"text":"What did it end up ending like?","start":192.78,"end":194.56,"sentiment":"neutral","sentiment_score":-0.0006787787590708057},{"text":"Oh my lord.","start":203.5,"end":204.435,"sentiment":"neutral","sentiment_score":0.05659520129362742},{"text":"Yeah.","start":235.355,"end":235.855,"sentiment":"neutral","sentiment_score":-0.1210644394159317},{"text":"Okay.","start":252.73,"end":253.13,"sentiment":"neutral","sentiment_score":-0.05767913907766342}],"sentiment":"neutral","sentiment_score":0.02740303699213725,"num_words":39,"start":183.20499,"end":253.13},{"sentences":[{"text":"So you wanna cut back to that $1.30?","start":253.13,"end":254.985,"sentiment":"neutral","sentiment_score":-0.05218738899566233},{"text":"Yeah.","start":265.945,"end":266.345,"sentiment":"neutral","sentiment_score":-0.0043333470821380615},{"text":"Okay.","start":266.345,"end":266.845,"sentiment":"neutral","sentiment_score":0.06986065953969955},{"text":"So I'll put in a bit of an updated plan because I wanted to update a couple of investments inside the super.","start":266.905,"end":273.22,"sentiment":"neutral","sentiment_score":0.20666103539141742},{"text":"We'll send you through the BPA EFC details for the contribution, and then I'll flag you for that notice of intent form so the team can reach out to you around June, July.","start":273.44,"end":288.255,"sentiment":"neutral","sentiment_score":0.15245939497694824}],"sentiment":"neutral","sentiment_score":0.14193432328219596,"num_words":65,"start":253.13,"end":288.255},{"sentences":[{"text":"No worries at all.","start":288.315,"end":289.695,"sentiment":"neutral","sentiment_score":0.12013770081102848},{"text":"And outside of that, so I'm assuming it's still in George Street address wise?","start":289.99503,"end":294.89502,"sentiment":"neutral","sentiment_score":0.03337329000766788},{"text":"Cool.","start":298.15503,"end":298.56,"sentiment":"neutral","sentiment_score":0.27435851097106934},{"text":"As far as the the home and the mortgage goes, I think we had you at 581,000.","start":298.96,"end":303.44,"sentiment":"neutral","sentiment_score":0.03194629181833828},{"text":"Have you paid a chunk off of that?","start":303.44,"end":305.22,"sentiment":"neutral","sentiment_score":-0.03599421610124409}],"sentiment":"neutral","sentiment_score":0.0335742865096439,"num_words":44,"start":288.315,"end":305.22},{"sentences":[{"text":"$6.10.","start":318.49503,"end":319.39502,"sentiment":"neutral","sentiment_score":-0.011249877512454988},{"text":"I'll do a quick online updated evaluation there.","start":320.095,"end":323.05502,"sentiment":"neutral","sentiment_score":0.09412571368739009},{"text":"Just bear with me for a sec.","start":323.05502,"end":324.67502,"sentiment":"neutral","sentiment_score":0.025909052895648137},{"text":"610 Owing.","start":324.73502,"end":325.95502,"sentiment":"neutral","sentiment_score":0.04207943007349968},{"text":"And in terms of obviously, when you're in, like, self employed, you're trying to put aside some money for, like, taxes and so on.","start":326.41,"end":334.01,"sentiment":"neutral","sentiment_score":-0.001488627972624575}],"sentiment":"neutral","sentiment_score":0.02313216645381458,"num_words":42,"start":318.49503,"end":334.01},{"sentences":[{"text":"But do you have a bit of a pool of, like, personal savings off to the side, or is it all mixed together?","start":334.01,"end":338.685,"sentiment":"neutral","sentiment_score":-0.004121804204971894},{"text":"Yes.","start":346.445,"end":346.945,"sentiment":"neutral","sentiment_score":0.008449528366327286},{"text":"Yes.","start":373.685,"end":374.185,"sentiment":"neutral","sentiment_score":0.024362649768590927},{"text":"And you're just gonna sort of pay it off and keep it in redraw, or is it like an offset account?","start":374.565,"end":378.745,"sentiment":"neutral","sentiment_score":-0.01608229625881428},{"text":"K.","start":394.765,"end":395.265,"sentiment":"neutral","sentiment_score":0.016898978501558304}],"sentiment":"neutral","sentiment_score":-0.008145075776871848,"num_words":47,"start":334.01,"end":395.265},{"sentences":[{"text":"And do you still have that that loan on the Hilux?","start":395.885,"end":398.625,"sentiment":"neutral","sentiment_score":0.012689884921366518},{"text":"Awesome.","start":404.92502,"end":405.42502,"sentiment":"positive","sentiment_score":0.5522154569625854},{"text":"Well done.","start":405.565,"end":406.385,"sentiment":"positive","sentiment_score":0.5588591396808624},{"text":"Beautiful.","start":407.64502,"end":408.14502,"sentiment":"positive","sentiment_score":0.6347531080245972},{"text":"Beautiful.","start":408.34,"end":408.84,"sentiment":"positive","sentiment_score":0.6022384166717529}],"sentiment":"neutral","sentiment_score":0.19040712469723076,"num_words":16,"start":395.885,"end":408.84},{"sentences":[{"text":"Beautiful.","start":409.69998,"end":409.78,"sentiment":"positive","sentiment_score":0.5359331965446472},{"text":"Couple of quick checks from last time.","start":409.78,"end":411.3,"sentiment":"neutral","sentiment_score":0.13869920851928846},{"text":"So that's the assets and liabilities.","start":411.3,"end":412.5,"sentiment":"neutral","sentiment_score":0.04773302127917608},{"text":"No other loans or assets floating around outside of that?","start":412.5,"end":415.96,"sentiment":"neutral","sentiment_score":-0.044007562287151816},{"text":"Alrighty.","start":418.97998,"end":419.47998,"sentiment":"neutral","sentiment_score":-0.062241412699222565}],"sentiment":"neutral","sentiment_score":0.05163634993135929,"num_words":25,"start":409.69998,"end":419.47998},{"sentences":[{"text":"In terms of the estate planning, we had that you had, like, a will in place, but we weren't sure if you had, like, a power of attorney for, you know, if you're in hospital or something like that.","start":420.335,"end":431.715,"sentiment":"neutral","sentiment_score":-0.07636225424133815},{"text":"Alright.","start":438.94,"end":439.44,"sentiment":"neutral","sentiment_score":0.061339449137449265},{"text":"I'll put it as a yes.","start":439.66,"end":440.96,"sentiment":"neutral","sentiment_score":0.01880596826473872},{"text":"Okay.","start":463.275,"end":463.595,"sentiment":"neutral","sentiment_score":0.04344210773706436},{"text":"So when it comes to the super, we've got Ollie listed as the beneficiary directly.","start":463.595,"end":468.80002,"sentiment":"neutral","sentiment_score":0.06514222795764606}],"sentiment":"neutral","sentiment_score":-0.028764147251363722,"num_words":62,"start":420.335,"end":468.80002},{"sentences":[{"text":"One of the things that you might wanna consider doing is if you do put in place the will and update it all, we can we can aim the super after will so it becomes an estate after.","start":470.86002,"end":482.235,"sentiment":"neutral","sentiment_score":0.08970558368845989},{"text":"And then you can be a bit more specific in how that money gets used for him rather than it just going to him directly and controlled by whoever takes over his guardian.","start":482.375,"end":491.67,"sentiment":"neutral","sentiment_score":0.025199880160278444},{"text":"Yes.","start":496.15002,"end":496.47,"sentiment":"neutral","sentiment_score":0.04953721538186073},{"text":"And then once that's in place, we can update the beneficiary nomination.","start":496.47,"end":499.69,"sentiment":"neutral","sentiment_score":0.07751379907131195},{"text":"So you what you basically wanna say is that you want your your server to be handled by the will and possibly look at the testamentary trust will, which basically what happens is, you know, if you pass away, the will activates and creates a trust fund, and all those funds get pulled into there.","start":508.405,"end":525.39,"sentiment":"neutral","sentiment_score":0.055204664373939685}],"sentiment":"neutral","sentiment_score":0.059398327843560805,"num_words":139,"start":470.86002,"end":525.39},{"sentences":[{"text":"And then you've got more control over, you know, who can look after the funds and how they could be spent for the beneficiary.","start":525.39,"end":531.67505,"sentiment":"neutral","sentiment_score":0.06815563871835668},{"text":"I'll include that in the updated plan just so you've got that info there as well.","start":535.73505,"end":539.435,"sentiment":"neutral","sentiment_score":0.31376860942691565},{"text":"And just in terms of the service, obviously, without the contributions going in, it's it's kind of stalled a little bit because the stock market dropped twice in March and then just this month as well.","start":543.255,"end":555.23,"sentiment":"neutral","sentiment_score":-0.13496917951852083},{"text":"It's still positive for the year a few percent.","start":555.61,"end":558.255,"sentiment":"neutral","sentiment_score":0.11774333711299631},{"text":"Still growing a little bit.","start":558.255,"end":559.475,"sentiment":"neutral","sentiment_score":0.08543099015951157}],"sentiment":"neutral","sentiment_score":0.03648875113576651,"num_words":90,"start":525.39,"end":559.475},{"sentences":[{"text":"But with the premiums coming out and the market dropping, it's just kind of stalled a little bit.","start":559.53503,"end":563.695,"sentiment":"neutral","sentiment_score":-0.27175320333076847},{"text":"That's all.","start":563.695,"end":564.435,"sentiment":"neutral","sentiment_score":-0.10390296205878258},{"text":"But in terms of the portfolio, everything's looking pretty good.","start":567.375,"end":570.415,"sentiment":"positive","sentiment_score":0.3509202763438225},{"text":"There's just one kind of, like, term deposit that the government's phasing out next year, so I'm just gonna update that one.","start":570.415,"end":576.67004,"sentiment":"neutral","sentiment_score":-0.039702416736293926},{"text":"And there was that one option that was kind of underperforming.","start":576.73004,"end":579.39,"sentiment":"neutral","sentiment_score":-0.16556984389370138}],"sentiment":"neutral","sentiment_score":-0.06801400431210086,"num_words":63,"start":559.53503,"end":579.39},{"sentences":[{"text":"I'm gonna switch that one out as well.","start":579.53,"end":581.55005,"sentiment":"neutral","sentiment_score":-0.08718636096455157},{"text":"Cool.","start":583.85004,"end":584.25,"sentiment":"positive","sentiment_score":0.3589881956577301},{"text":"And are you okay for it to still kind of be that growth risk profile?","start":584.25,"end":587.985,"sentiment":"neutral","sentiment_score":0.0666722796857357},{"text":"You know how we've got, like, the 80% in shares property goal, just trying to get as much growth as possible without being high risk.","start":587.985,"end":594.865,"sentiment":"neutral","sentiment_score":0.017653341740369796},{"text":"Are you still okay with that?","start":594.865,"end":596.325,"sentiment":"neutral","sentiment_score":-0.020326303628583748}],"sentiment":"neutral","sentiment_score":0.017835585908456283,"num_words":55,"start":579.53,"end":596.325},{"sentences":[{"text":"Perfect.","start":598.625,"end":599.125,"sentiment":"positive","sentiment_score":0.3635467886924744},{"text":"And the last couple of things for me just in terms of the insurances.","start":599.66504,"end":604.69995,"sentiment":"neutral","sentiment_score":-0.0461121882711138},{"text":"So this one's a bit tricky.","start":605.63995,"end":607.01996,"sentiment":"neutral","sentiment_score":-0.20576259245475134},{"text":"So you've got 868,000 worth of life and disability insurance.","start":607.63995,"end":611.89996,"sentiment":"neutral","sentiment_score":-0.06724797785282136},{"text":"Not too expensive there.","start":613.07996,"end":614.51996,"sentiment":"neutral","sentiment_score":-0.10366352461278439}],"sentiment":"neutral","sentiment_score":-0.07439237939459938,"num_words":35,"start":598.625,"end":614.51996},{"sentences":[{"text":"That's with a sender.","start":614.51996,"end":615.785,"sentiment":"neutral","sentiment_score":-0.07382601872086525},{"text":"Do you want me to keep that one as is?","start":616.005,"end":617.96497,"sentiment":"neutral","sentiment_score":-0.07422725558280945},{"text":"Do you want me to lower it, increase it?","start":617.96497,"end":619.925,"sentiment":"neutral","sentiment_score":-0.09633998158905241},{"text":"What are you thinking on those two?","start":619.925,"end":621.625,"sentiment":"neutral","sentiment_score":-0.04194911462920053},{"text":"Well, it clears out the mortgage and leave.","start":624.325,"end":626.745,"sentiment":"neutral","sentiment_score":0.0013095289468765259}],"sentiment":"neutral","sentiment_score":-0.05757379041690575,"num_words":38,"start":614.51996,"end":626.745},{"sentences":[{"text":"If you add your super in there, it'll still leave a good $4,500,000 after the mortgage is cleared for either if you can ever work again to sort of fund your lifestyle or if you pass away, you can set the kids up.","start":626.885,"end":644.815,"sentiment":"neutral","sentiment_score":0.015775245116200556},{"text":"Yeah.","start":644.815,"end":645.055,"sentiment":"neutral","sentiment_score":0.05433162301778793},{"text":"It should be alright.","start":645.055,"end":646.195,"sentiment":"neutral","sentiment_score":0.07876450009644032},{"text":"The one that's kind of a bit bit iffy for me is more the income protection.","start":646.97504,"end":651.555,"sentiment":"neutral","sentiment_score":-0.24104464333504438},{"text":"So well, when I'm looking at it so it's only covering you for 3,000 a month worth of cover, which is protecting an income of 54,000.","start":653.215,"end":663.14,"sentiment":"neutral","sentiment_score":-0.07390117072142087}],"sentiment":"neutral","sentiment_score":-0.05256021743019422,"num_words":90,"start":626.885,"end":663.14},{"sentences":[{"text":"So it's very, very low in cover amounts.","start":663.14,"end":666.68,"sentiment":"neutral","sentiment_score":-0.0880657029338181},{"text":"You've got a thirty day waiting period and a five year benefit period, which is great.","start":666.74,"end":670.955,"sentiment":"positive","sentiment_score":0.4232742297463119},{"text":"You know, you're out of work for a month, kicks in for up to five years.","start":670.955,"end":674.335,"sentiment":"neutral","sentiment_score":-0.033682193607091904},{"text":"Anything more than five years, here's your TBD lump sum.","start":674.635,"end":677.53503,"sentiment":"neutral","sentiment_score":0.015247847978025674},{"text":"But what I would need to do then so I I don't know if you were out of work for six months if you'd be able to live on 600 a week, that kind of thing.","start":681.59503,"end":690.76996,"sentiment":"neutral","sentiment_score":-0.13328373877124655}],"sentiment":"neutral","sentiment_score":0.010269893474097168,"num_words":86,"start":663.14,"end":690.76996},{"sentences":[{"text":"Yeah.","start":695.47,"end":695.79,"sentiment":"neutral","sentiment_score":0.045652151107788086},{"text":"But then we've got quite a quite a big range.","start":695.79,"end":698.115,"sentiment":"neutral","sentiment_score":0.05950285866856575},{"text":"So if I was to look at the the 130,000 as an example, you can do 70%, which is just under 7,600 a month.","start":698.115,"end":708.27496,"sentiment":"neutral","sentiment_score":0.09771757728109758},{"text":"So we'd be doubling it.","start":708.27496,"end":709.735,"sentiment":"neutral","sentiment_score":0.15611137300729752},{"text":"And that is what was that?","start":712.97,"end":715.76996,"sentiment":"neutral","sentiment_score":-0.011273074274261793}],"sentiment":"neutral","sentiment_score":0.08040915243327618,"num_words":46,"start":695.47,"end":715.76996},{"sentences":[{"text":"Sorry.","start":715.76996,"end":716.08997,"sentiment":"neutral","sentiment_score":-0.03547733277082443},{"text":"What about 80?","start":716.08997,"end":717.07,"sentiment":"neutral","sentiment_score":-0.016430380754172802},{"text":"Bear in mind that's before tax too.","start":720.32996,"end":722.08997,"sentiment":"neutral","sentiment_score":0.016980557835527828},{"text":"So if I do 80, that'll ensure for 56,000 so 4,666 a month.","start":722.08997,"end":729.385,"sentiment":"neutral","sentiment_score":0.03977793684372535},{"text":"So about a thousand dollars a week.","start":729.385,"end":730.985,"sentiment":"neutral","sentiment_score":0.0373870496238981}],"sentiment":"neutral","sentiment_score":0.02622315987584091,"num_words":31,"start":715.76996,"end":730.985},{"sentences":[{"text":"Would that do?","start":730.985,"end":731.96497,"sentiment":"neutral","sentiment_score":0.05119016394019127},{"text":"Yeah.","start":739.945,"end":740.34,"sentiment":"neutral","sentiment_score":0.008227463811635971},{"text":"So one thing I wanted to kind of run by you is two two little things, and you don't have to fully decide it right now.","start":740.58,"end":749.08,"sentiment":"neutral","sentiment_score":-0.00749042152445047},{"text":"But if we increase the income protection, there's gonna be more fees coming out of the super, so that's gonna hurt things a little bit.","start":749.30005,"end":757.03503,"sentiment":"neutral","sentiment_score":-0.23308590471744536},{"text":"You can do two options.","start":759.09503,"end":760.315,"sentiment":"neutral","sentiment_score":0.07700337395071984}],"sentiment":"neutral","sentiment_score":-0.0912513958697673,"num_words":60,"start":730.985,"end":760.315},{"sentences":[{"text":"You can actually pay for income protection out of pocket, and it's fully tax deductible, which if you're earning a 130, 200,000, you'll save a good 37 percent on the premium.","start":761.17505,"end":775.38,"sentiment":"neutral","sentiment_score":0.1940839576625055},{"text":"The other thing you can do, if it's easier, sometimes I get people to salary sacrifice or put it in as contributions.","start":776.56,"end":782.38153,"sentiment":"neutral","sentiment_score":0.1472956311296333},{"text":"You know how we're saying the $50 a week?","start":782.38153,"end":783.23,"sentiment":"neutral","sentiment_score":0.01583492135008176},{"text":"If you're okay to increase that a little bit, you can still get the same tax deduction through the super, leave the income protection in there, but it's something that you can start, stop, increase, decrease depending on what you need cash flow wise.","start":787.815,"end":802.21,"sentiment":"neutral","sentiment_score":0.07445970359681682},{"text":"So I'll I'll give you an example.","start":809.31,"end":812.05,"sentiment":"neutral","sentiment_score":0.019819498860410283}],"sentiment":"neutral","sentiment_score":0.11340340101613408,"num_words":113,"start":761.17505,"end":812.05},{"sentences":[{"text":"So if it was to kind of double the cover amount, it might be, like, 3,000 a year kind of thing.","start":812.11,"end":818.85504,"sentiment":"neutral","sentiment_score":0.007969961058171023},{"text":"So if I work that back, 50 so possibly, like, another 50 a week into the super to fully cover that.","start":819.395,"end":833.56995,"sentiment":"neutral","sentiment_score":0.04193537167849995},{"text":"Correct.","start":833.56995,"end":833.97,"sentiment":"neutral","sentiment_score":0.11771588027477264},{"text":"So let's say you put in a 100 a week, you would claim that back and get another 30, you know, $37 a week back, which would get you another $2 back in your tax.","start":833.97,"end":846.35504,"sentiment":"neutral","sentiment_score":0.11542043249521937},{"text":"Okay.","start":849.85504,"end":850.255,"sentiment":"neutral","sentiment_score":0.1216016411781311}],"sentiment":"neutral","sentiment_score":0.0674309448893123,"num_words":79,"start":812.11,"end":850.255},{"sentences":[{"text":"So I'll set the plan as a 100 before tax, and we'll see how we go with that.","start":850.255,"end":856.655,"sentiment":"neutral","sentiment_score":0.0947525536434518},{"text":"If it becomes a problem with your cash flow, again, you you control your contributions.","start":856.655,"end":861.06,"sentiment":"neutral","sentiment_score":-0.0689920720954736},{"text":"It's up to you.","start":861.27997,"end":862.25995,"sentiment":"neutral","sentiment_score":0.05087189842015505},{"text":"Cool.","start":866.63995,"end":867.13995,"sentiment":"neutral","sentiment_score":0.2652736306190491},{"text":"Now because this policy came in fourth in 2023, increasing it, they go through, obviously, like, health questions again.","start":867.43994,"end":877.335,"sentiment":"neutral","sentiment_score":0.01661105522591817}],"sentiment":"neutral","sentiment_score":0.025526950135827065,"num_words":57,"start":850.255,"end":877.335},{"sentences":[{"text":"So I'm just wondering what what sort of happened the last three years in terms of doctors, diagnosis, medications that may give you, you know, an exclusion or Cool.","start":877.395,"end":902.335,"sentiment":"neutral","sentiment_score":-0.05310968155490941},{"text":"If it's okay with you, I would like to try and research if there's an alternative provider that might be cheaper.","start":902.715,"end":911.5,"sentiment":"neutral","sentiment_score":0.03660653637988227},{"text":"But if not, I'll just do an alteration quote through a sender.","start":911.72,"end":916.06,"sentiment":"neutral","sentiment_score":-0.006129290404108663},{"text":"Awesome.","start":920.36,"end":920.86,"sentiment":"positive","sentiment_score":0.6929917931556702},{"text":"My last question is just in terms of the specific duties that you're doing, are we still just saying it's fully, like, aged care or disability support, or do you kind of lean towards one specifically now?","start":921.39996,"end":933.92505,"sentiment":"neutral","sentiment_score":0.08922210667987128}],"sentiment":"neutral","sentiment_score":0.03149214754346758,"num_words":100,"start":877.395,"end":933.92505},{"sentences":[{"text":"Yep.","start":937.585,"end":938.085,"sentiment":"neutral","sentiment_score":0.04091033339500427},{"text":"And you just kind of contract out under the ABN?","start":940.13995,"end":943.27997,"sentiment":"neutral","sentiment_score":0.022039762511849404},{"text":"Yep.","start":947.66,"end":948.16,"sentiment":"neutral","sentiment_score":0.04640042409300804},{"text":"And it's all, like, in home visits, that kind of thing?","start":948.38,"end":951.76,"sentiment":"neutral","sentiment_score":0.02848172238604589},{"text":"Yep.","start":960.945,"end":961.445,"sentiment":"neutral","sentiment_score":0.09232654422521593}],"sentiment":"neutral","sentiment_score":0.029722244711592793,"num_words":24,"start":937.585,"end":961.445},{"sentences":[{"text":"And we've done.","start":961.825,"end":962.965,"sentiment":"neutral","sentiment_score":0.10843760271867116},{"text":"And anything that we use for the application for a sender, if there's been no other health concerns, concerns, we'll use that.","start":963.985,"end":970.20996,"sentiment":"neutral","sentiment_score":0.08626834641803395},{"text":"But, again, once I've updated the plan, it'll have the updated contribution, the the stuff about the will and beneficiary, the quote for the insurance, the super, and then we'll basically just book you in for a bit of an application with Jack.","start":970.82996,"end":987.375,"sentiment":"neutral","sentiment_score":0.13411888185628626},{"text":"It should take about twenty minutes or so, but we can do that on a separate day.","start":987.375,"end":991.395,"sentiment":"neutral","sentiment_score":0.08535063485888873},{"text":"Sounds good.","start":994.495,"end":995.055,"sentiment":"positive","sentiment_score":0.46267299354076385}],"sentiment":"neutral","sentiment_score":0.1191567256190311,"num_words":87,"start":961.825,"end":995.055},{"sentences":[{"text":"Is there anything else I can help with at the moment?","start":995.055,"end":999.10474,"sentiment":"neutral","sentiment_score":0.09160510907796296},{"text":"Yeah.","start":999.333,"end":999.833,"sentiment":"neutral","sentiment_score":0.018614020198583603},{"text":"I will I'll get the team to send that through to you straight away.","start":1000.0612,"end":1010.7567,"sentiment":"neutral","sentiment_score":0.0005462781659194402},{"text":"It might be Monday, though.","start":1011.46497,"end":1016.765,"sentiment":"neutral","sentiment_score":0.12837009131908417},{"text":"Easy done.","start":1017.625,"end":1018.185,"sentiment":"positive","sentiment_score":0.3353556990623474}],"sentiment":"neutral","sentiment_score":0.07110545360906557,"num_words":33,"start":995.055,"end":1018.185},{"sentences":[{"text":"And you did already sign a consent form for us to remain advisers with Hub.","start":1018.185,"end":1022.765,"sentiment":"neutral","sentiment_score":0.16143493056297303},{"text":"So it's still the same 1.65%.","start":1023.14496,"end":1025.85,"sentiment":"neutral","sentiment_score":0.15458438297112784},{"text":"When we do eventually get you up to 200,000, we do have discounts now for clients over 200,000.","start":1025.85,"end":1031.6901,"sentiment":"neutral","sentiment_score":0.20253152234686744},{"text":"So we'll get you out there as soon as we can.","start":1031.6901,"end":1033.87,"sentiment":"neutral","sentiment_score":0.24231679669835351},{"text":"No worries, Ali.","start":1038.33,"end":1039.13,"sentiment":"positive","sentiment_score":0.4464198847611745}],"sentiment":"neutral","sentiment_score":0.20753475616000733,"num_words":53,"start":1018.185,"end":1039.13},{"sentences":[{"text":"Look.","start":1039.13,"end":1039.29,"sentiment":"positive","sentiment_score":0.4442289471626282},{"text":"Thank you for taking a bit of your Friday morning with me.","start":1039.29,"end":1041.295,"sentiment":"positive","sentiment_score":0.7401173611481985},{"text":"Is there anything else I can do before I let you go?","start":1041.295,"end":1043.555,"sentiment":"positive","sentiment_score":0.3493233198920886},{"text":"You're most welcome.","start":1048.175,"end":1049.055,"sentiment":"positive","sentiment_score":0.7296740214029948},{"text":"I'll talk to you in a few weeks once we've got the plan together, and have a fantastic weekend.","start":1049.055,"end":1053.371,"sentiment":"positive","sentiment_score":0.5955215174900857}],"sentiment":"positive","sentiment_score":0.574924425875887,"num_words":47,"start":1039.13,"end":1053.371},{"sentences":[{"text":"Thanks.","start":1057.191,"end":1057.671,"sentiment":"positive","sentiment_score":0.6118303537368774},{"text":"Bye.","start":1057.671,"end":1058.171,"sentiment":"positive","sentiment_score":0.3676673769950866}],"sentiment":"positive","sentiment_score":0.48974886536598206,"num_words":2,"start":1057.191,"end":1058.171}]}}]},{"alternatives":[{"transcript":"Hello? Good. How are you? Yeah. Not too bad. Yep. I'm just nearly high, so I can still hear you. So you're all good to go ahead. Yep. Yep. No worries. Yeah. Damon 666 or whatever it is. Yeah. Damon. Yeah. Yep. Perfect. I I need to start putting suit my I need to start paying suit for my account. That's one number one. And someone was saying, I think you said ages ago that I can claim that on tax as well. Yes. Yes. Yes. Yes. Yes. Yes. Yep. That does sound reasonable. Yes. Yep. Yep. Yep. No worries. Yep. Really good. I need to find I need to beat the tax man. So, yeah, that's my killer at the moment. I'm paying way, way too much tax, and my tax accountant, she's normally really, really good, but she didn't really tell me, oh, look. You have to start paying super in your account. And I've been forgetting a lot. So yeah. So I was like, oh, shit. Why didn't she remind me that every time my back keeps coming in? And, yeah, and then I needed a financial planner. So I booked in to see a financial planner to help me how to, like, reduce my taxes a bit more, but I reckon I just have to cut back my days a bit, I reckon. I with the with this year, I earned 200 k. Yeah. So that's how much I was working. Like, I was doing forty eight hour shifts. I was doing on call. I was I was and I said to my tax adviser that I honestly did not know how much I was working. And then see, my son went off the rails, so he was living with my my ex partner, his father. So I thought, well, instead of staying home, I'll ask, I'll just keep working and keep working. And and then and I still haven't been burnt out, which touch wood, but now I've realized that I paid way, way too much. And then the year before, I think I end up paying a 130 k a year. So if I can go back to that lump of sum and then cut back I reckon some weekends I have to give up, I reckon. Yeah. Yeah. I'm I've gotta try because otherwise, I'm gonna burn myself out, and I'll be paying too much tax. And yeah. Yeah. Yep. Thank you so much. Yep. Yep. Still in there. Yep. Hang on. Because I went for a separation. I had to end up getting 620, but I think I owe 610 now. Well, I do I've put some money in my home loan. So I'm in front of that 5,000 in my home loan. And I do well, actually, the 40,000 I've got that extra it's gotta go back into the home loan. So I've gotta go back to the bank and put that 40,000 back into my home loan. Does that make sense? Because it's been sitting there for twelve months, and I haven't touched it. And I don't want to touch it, and I really wanna send it back to my home loan, and that'll bring my home loan back down a bit. Yeah. Yeah. Yeah. Well, it's it's in the offset account at the moment, but I wanna put it in my home loan redraw, I think. I think that's the best option that I need to do because they said I can redraw it if I need it. Yeah. No. So that's all been paid out. I've only got the home loan. No. Nothing. No. Yes. I'm pretty sure I had my brother in the wheel for all that type of stuff. So but maybe I yeah. Yeah. Put it in as a yes. But I need to go see the lawyer's friend anyway because like I said, my son's off the rails at the moment. Because he's running, but, still, if something happens to me, I still I need to ask my other brother to take over and put him in the wheel and, like, a power of attorney if anything does happen to me. Yes. Yeah. Yeah. Yeah. Okay. Okay. So do I talk to the lawyer about that? Yes. Yep. Okay. And what I just asked them to what do I say? I'm just asking. Yes. Yep. Okay. Cool. Yep. Cool. Thank you. That'd be great. Thank you. Yeah. Yep. Yes. Yep. Okay. Yep. Yep. Okay. Cool. Thank you. Yep. Yep. Yep. Yeah. Yeah. What do you reckon? Yep. So you reckon just leave it in your account? Yes. Yeah. That's what I'm worried about, sir. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Let's try. Maybe I'll have the upper ear again. Yeah. Yeah. Oh, what is the bag I see there? Yeah. Yeah. Yeah. That should go. I mean, you just gotta do it, don't you, really? Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Okay. So if I had to pay it out fully, how much would it be? Yeah. Yeah. And then I can claim that on tax, though, can I? Yeah. Yeah. Yeah. Yeah. Let's do that then. Yep. Yep. Yep. Yep. Yep. Perfect. Yep. Let's do that then. Yeah. Yeah. Yep. Oh, no. Sorry. No. Nothing. Nothing at all. Okay. I'm happy to do whatever. Yep. Disability, Moa? Yeah. Yep. Through NTIS. Yep. Yep. And there's probably one in hospital, but I don't know how long he's been he's going to stay in hospital for. But, yeah, stay in home. Yep. Yep. Alright. Perfect. No. That's all good. But can I start paying my super into my account? But I don't have the or anything, though. That's the thing. Yep. Thank you. Yep. No. That'll be perfect. Yep. No worries. Yep. Alright. Thank you so much for that. No. That's all good. Thank you so very much. You too. Thank you. 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Good. How are you? Yeah. Not too bad.\n\nYep. I'm just nearly high, so I can still hear you. So you're all good to go ahead. Yep. Yep.\n\nNo worries. Yeah. Damon 666 or whatever it is. Yeah. Damon.\n\nYeah. Yep. Perfect. I I need to start putting suit my I need to start paying suit for my account. That's one number one.\n\nAnd someone was saying, I think you said ages ago that I can claim that on tax as well. Yes. Yes. Yes. Yes.\n\nYes. Yes. Yep. That does sound reasonable. Yes.\n\nYep. Yep. Yep. No worries. Yep.\n\nReally good. I need to find I need to beat the tax man. So, yeah, that's my killer at the moment. I'm paying way, way too much tax, and my tax accountant, she's normally really, really good, but she didn't really tell me, oh, look. You have to start paying super in your account.\n\nAnd I've been forgetting a lot. So yeah. So I was like, oh, shit. Why didn't she remind me that every time my back keeps coming in? And, yeah, and then I needed a financial planner.\n\nSo I booked in to see a financial planner to help me how to, like, reduce my taxes a bit more, but I reckon I just have to cut back my days a bit, I reckon. I with the with this year, I earned 200 k. Yeah. So that's how much I was working. Like, I was doing forty eight hour shifts.\n\nI was doing on call. I was I was and I said to my tax adviser that I honestly did not know how much I was working. And then see, my son went off the rails, so he was living with my my ex partner, his father. So I thought, well, instead of staying home, I'll ask, I'll just keep working and keep working. And and then and I still haven't been burnt out, which touch wood, but now I've realized that I paid way, way too much.\n\nAnd then the year before, I think I end up paying a 130 k a year. So if I can go back to that lump of sum and then cut back I reckon some weekends I have to give up, I reckon. Yeah. Yeah. I'm I've gotta try because otherwise, I'm gonna burn myself out, and I'll be paying too much tax.\n\nAnd yeah. Yeah. Yep. Thank you so much. Yep.\n\nYep. Still in there. Yep. Hang on. Because I went for a separation.\n\nI had to end up getting 620, but I think I owe 610 now. Well, I do I've put some money in my home loan. So I'm in front of that 5,000 in my home loan. And I do well, actually, the 40,000 I've got that extra it's gotta go back into the home loan. So I've gotta go back to the bank and put that 40,000 back into my home loan.\n\nDoes that make sense? Because it's been sitting there for twelve months, and I haven't touched it. And I don't want to touch it, and I really wanna send it back to my home loan, and that'll bring my home loan back down a bit. Yeah. Yeah.\n\nYeah. Well, it's it's in the offset account at the moment, but I wanna put it in my home loan redraw, I think. I think that's the best option that I need to do because they said I can redraw it if I need it. Yeah. No.\n\nSo that's all been paid out. I've only got the home loan. No. Nothing. No.\n\nYes. I'm pretty sure I had my brother in the wheel for all that type of stuff. So but maybe I yeah. Yeah. Put it in as a yes.\n\nBut I need to go see the lawyer's friend anyway because like I said, my son's off the rails at the moment. Because he's running, but, still, if something happens to me, I still I need to ask my other brother to take over and put him in the wheel and, like, a power of attorney if anything does happen to me. Yes. Yeah. Yeah.\n\nYeah. Okay. Okay. So do I talk to the lawyer about that? Yes.\n\nYep. Okay. And what I just asked them to what do I say? I'm just asking. Yes.\n\nYep. Okay. Cool. Yep. Cool.\n\nThank you. That'd be great. Thank you. Yeah. Yep.\n\nYes. Yep. Okay. Yep. Yep.\n\nOkay. Cool. Thank you. Yep. Yep.\n\nYep. Yeah. Yeah. What do you reckon? Yep.\n\nSo you reckon just leave it in your account? Yes. Yeah. That's what I'm worried about, sir. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYeah. Let's try. Maybe I'll have the upper ear again. Yeah. Yeah.\n\nOh, what is the bag I see there? Yeah. Yeah. Yeah. That should go.\n\nI mean, you just gotta do it, don't you, really? Yeah. Yeah. Okay. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYeah. Okay. So if I had to pay it out fully, how much would it be? Yeah. Yeah.\n\nAnd then I can claim that on tax, though, can I? Yeah. Yeah. Yeah. Yeah.\n\nLet's do that then. Yep. Yep. Yep. Yep.\n\nYep. Perfect. Yep. Let's do that then. Yeah.\n\nYeah. Yep. Oh, no. Sorry. No.\n\nNothing. Nothing at all. Okay. I'm happy to do whatever. Yep.\n\nDisability, Moa? Yeah. Yep. Through NTIS. Yep.\n\nYep. And there's probably one in hospital, but I don't know how long he's been he's going to stay in hospital for. But, yeah, stay in home. Yep. Yep.\n\nAlright. Perfect. No. That's all good. But can I start paying my super into my account?\n\nBut I don't have the or anything, though. That's the thing. Yep. Thank you. Yep.\n\nNo. That'll be perfect. Yep. No worries. Yep.\n\nAlright. Thank you so much for that. No. That's all good. Thank you so very much.\n\nYou too. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":4.08,"end":4.58,"sentiment":"neutral","sentiment_score":0.028467148542404175},{"text":"Good.","start":10.719999,"end":10.96,"sentiment":"neutral","sentiment_score":0.28614121675491333},{"text":"How are you?","start":10.96,"end":11.78,"sentiment":"neutral","sentiment_score":0.20438168942928314},{"text":"Yeah.","start":16.305,"end":16.705,"sentiment":"positive","sentiment_score":0.5881993770599365},{"text":"Not too bad.","start":16.705,"end":17.685,"sentiment":"neutral","sentiment_score":0.28194961945215863}],"sentiment":"neutral","sentiment_score":0.26242240766684216,"num_words":9,"start":4.08,"end":17.685},{"sentences":[{"text":"Yep.","start":28.980001,"end":29.480001,"sentiment":"neutral","sentiment_score":0.09522517770528792},{"text":"I'm just nearly high, so I can still hear you.","start":29.54,"end":32.02,"sentiment":"neutral","sentiment_score":0.1365323320031166},{"text":"So you're all good to go 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I?","start":829.675,"end":832.15497,"sentiment":"neutral","sentiment_score":0.04292249544100328},{"text":"Yeah.","start":832.15497,"end":832.65497,"sentiment":"neutral","sentiment_score":0.07165835797786713},{"text":"Yeah.","start":836.71497,"end":837.21497,"sentiment":"neutral","sentiment_score":0.10746944695711136},{"text":"Yeah.","start":843.81,"end":844.31,"sentiment":"neutral","sentiment_score":0.12360063195228577},{"text":"Yeah.","start":847.25,"end":847.57,"sentiment":"neutral","sentiment_score":0.10476809740066528}],"sentiment":"neutral","sentiment_score":0.058642932275931044,"num_words":15,"start":829.675,"end":847.57},{"sentences":[{"text":"Let's do that then.","start":847.57,"end":848.87,"sentiment":"neutral","sentiment_score":0.1129843257367611},{"text":"Yep.","start":850.13,"end":850.63,"sentiment":"neutral","sentiment_score":0.1336435079574585},{"text":"Yep.","start":851.865,"end":852.345,"sentiment":"neutral","sentiment_score":0.08827485889196396},{"text":"Yep.","start":852.345,"end":852.845,"sentiment":"neutral","sentiment_score":0.08797883987426758},{"text":"Yep.","start":862.90497,"end":863.305,"sentiment":"neutral","sentiment_score":0.08517186343669891}],"sentiment":"neutral","sentiment_score":0.10587579663842916,"num_words":8,"start":847.57,"end":863.305},{"sentences":[{"text":"Yep.","start":863.305,"end":863.545,"sentiment":"neutral","sentiment_score":0.18466071784496307},{"text":"Perfect.","start":863.545,"end":864.045,"sentiment":"positive","sentiment_score":0.4922581911087036},{"text":"Yep.","start":864.105,"end":864.345,"sentiment":"neutral","sentiment_score":0.27941903471946716},{"text":"Let's do that then.","start":864.345,"end":865.645,"sentiment":"neutral","sentiment_score":0.2621389776468277},{"text":"Yeah.","start":872.24,"end":872.74,"sentiment":"neutral","sentiment_score":0.014670857228338718}],"sentiment":"neutral","sentiment_score":0.2524455889360979,"num_words":8,"start":863.305,"end":872.74},{"sentences":[{"text":"Yeah.","start":890.33496,"end":890.83496,"sentiment":"neutral","sentiment_score":-0.013297371566295624},{"text":"Yep.","start":891.13495,"end":891.63495,"sentiment":"neutral","sentiment_score":-0.007693733554333448},{"text":"Oh, no.","start":897.11,"end":897.91003,"sentiment":"neutral","sentiment_score":-0.06893097050487995},{"text":"Sorry.","start":897.91003,"end":898.31,"sentiment":"neutral","sentiment_score":-0.11813069880008698},{"text":"No.","start":898.31,"end":898.63,"sentiment":"neutral","sentiment_score":-0.18335118889808655}],"sentiment":"neutral","sentiment_score":-0.07672248897142708,"num_words":6,"start":890.33496,"end":898.63},{"sentences":[{"text":"Nothing.","start":898.63,"end":899.13,"sentiment":"neutral","sentiment_score":-0.21432484686374664},{"text":"Nothing at all.","start":899.35004,"end":900.41003,"sentiment":"neutral","sentiment_score":-0.18333329757054648},{"text":"Okay.","start":916.695,"end":917.095,"sentiment":"neutral","sentiment_score":0.001215400523506105},{"text":"I'm happy to do whatever.","start":917.095,"end":918.475,"sentiment":"positive","sentiment_score":0.7686426520347596},{"text":"Yep.","start":918.695,"end":919.195,"sentiment":"positive","sentiment_score":0.5597464442253113}],"sentiment":"neutral","sentiment_score":0.330895487758839,"num_words":11,"start":898.63,"end":919.195},{"sentences":[{"text":"Disability, Moa?","start":934.0,"end":935.54004,"sentiment":"neutral","sentiment_score":0.013882052153348923},{"text":"Yeah.","start":935.84,"end":936.34,"sentiment":"neutral","sentiment_score":0.03341688960790634},{"text":"Yep.","start":944.185,"end":944.685,"sentiment":"neutral","sentiment_score":0.024057520553469654},{"text":"Through NTIS.","start":944.745,"end":945.805,"sentiment":"neutral","sentiment_score":0.02164373081177473},{"text":"Yep.","start":946.10504,"end":946.60504,"sentiment":"neutral","sentiment_score":0.03898857533931732}],"sentiment":"neutral","sentiment_score":0.02393065020442009,"num_words":7,"start":934.0,"end":946.60504},{"sentences":[{"text":"Yep.","start":952.07,"end":952.47003,"sentiment":"neutral","sentiment_score":0.015650171786546707},{"text":"And there's probably one in hospital, but I don't know how long he's been he's going to stay in hospital for.","start":952.47003,"end":958.15,"sentiment":"neutral","sentiment_score":-0.0023254609799810816},{"text":"But, yeah, stay in home.","start":958.15,"end":959.61005,"sentiment":"neutral","sentiment_score":0.027166222780942918},{"text":"Yep.","start":979.50995,"end":980.00995,"sentiment":"neutral","sentiment_score":0.11157238483428956},{"text":"Yep.","start":989.82996,"end":990.32996,"sentiment":"neutral","sentiment_score":0.06931358575820923}],"sentiment":"neutral","sentiment_score":0.009776985369108874,"num_words":29,"start":952.07,"end":990.32996},{"sentences":[{"text":"Alright.","start":991.775,"end":992.275,"sentiment":"neutral","sentiment_score":0.22338448464870453},{"text":"Perfect.","start":992.41504,"end":992.91504,"sentiment":"positive","sentiment_score":0.4798567593097687},{"text":"No.","start":997.695,"end":998.09503,"sentiment":"neutral","sentiment_score":0.01712852157652378},{"text":"That's all good.","start":998.09503,"end":999.23505,"sentiment":"neutral","sentiment_score":0.058800023049116135},{"text":"But can I start paying my super into my account?","start":999.29504,"end":1001.775,"sentiment":"neutral","sentiment_score":0.020155371353030204}],"sentiment":"neutral","sentiment_score":0.06864522176329046,"num_words":16,"start":991.775,"end":1001.775},{"sentences":[{"text":"But I don't have the or anything, though.","start":1001.775,"end":1004.97504,"sentiment":"neutral","sentiment_score":-0.06659827940165997},{"text":"That's the thing.","start":1004.97504,"end":1005.875,"sentiment":"neutral","sentiment_score":0.01596445171162486},{"text":"Yep.","start":1010.52,"end":1011.02,"sentiment":"neutral","sentiment_score":0.07000291347503662},{"text":"Thank you.","start":1011.48004,"end":1012.38,"sentiment":"neutral","sentiment_score":0.21394094079732895},{"text":"Yep.","start":1013.72003,"end":1014.04004,"sentiment":"neutral","sentiment_score":0.08409293740987778}],"sentiment":"neutral","sentiment_score":0.006472323493411144,"num_words":15,"start":1001.775,"end":1014.04004},{"sentences":[{"text":"No.","start":1014.04004,"end":1014.28,"sentiment":"neutral","sentiment_score":0.11284652352333067},{"text":"That'll be perfect.","start":1014.28,"end":1015.32,"sentiment":"neutral","sentiment_score":0.29391127824783325},{"text":"Yep.","start":1015.32,"end":1015.80005,"sentiment":"neutral","sentiment_score":0.13465645909309387},{"text":"No worries.","start":1015.80005,"end":1016.46,"sentiment":"neutral","sentiment_score":0.13796421140432358},{"text":"Yep.","start":1026.3151,"end":1026.8151,"sentiment":"neutral","sentiment_score":0.15701642632484436}],"sentiment":"neutral","sentiment_score":0.19527270831167698,"num_words":8,"start":1014.04004,"end":1026.8151},{"sentences":[{"text":"Alright.","start":1034.29,"end":1034.79,"sentiment":"positive","sentiment_score":0.429321825504303},{"text":"Thank you so much for that.","start":1034.8501,"end":1037.1901,"sentiment":"positive","sentiment_score":0.8253788948059082},{"text":"No.","start":1043.9701,"end":1044.29,"sentiment":"neutral","sentiment_score":-0.034951351583004},{"text":"That's all good.","start":1044.29,"end":1045.41,"sentiment":"positive","sentiment_score":0.4812544683615367},{"text":"Thank you so very much.","start":1045.41,"end":1047.1101,"sentiment":"positive","sentiment_score":0.8094243049621582}],"sentiment":"positive","sentiment_score":0.6773455482907593,"num_words":16,"start":1034.29,"end":1047.1101},{"sentences":[{"text":"You too.","start":1054.375,"end":1055.1749,"sentiment":"positive","sentiment_score":0.5949708819389343},{"text":"Thank you.","start":1055.1749,"end":1055.995,"sentiment":"positive","sentiment_score":0.7010582387447357},{"text":"Bye.","start":1058.695,"end":1059.195,"sentiment":"neutral","sentiment_score":-0.1084890216588974}],"sentiment":"positive","sentiment_score":0.49671384394168855,"num_words":5,"start":1054.375,"end":1059.195}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Ali, good morning. It's Tommy here, senior adviser from. How are you doing?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm doing absolutely fantastic. I'm doing absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fantastic.\n\nChannel 1: Not too\n\nChannel 0: Happy\n\nChannel 1: bad.\n\nChannel 0: Friday to you. Good to hear. Good to hear. I had you sort of push back a little bit earlier today for your review just to kind of marry up with your schedule. Do you still have a bit of time for me?\n\nChannel 1: Yep. I'm just nearly high, so I can still hear you. So you're all good to go ahead.\n\nChannel 0: Perfect. Alright. I'll go through a quick security check with you. I'll send through a bit of a review pack. And if\n\nChannel 1: Yep.\n\nChannel 0: you need to kind of switch around when you hop out of the car, just let me know. That's no worries.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Awesome. Now I'll get this email sent off to you just with the usual kind of certificates for the insurance, service guides from overview, performance reports, and such. And could I please grab your overview password if you recall?\n\nChannel 1: Yeah. Damon\n\nChannel 0: That's\n\nChannel 1: 666\n\nChannel 0: the\n\nChannel 1: or whatever it is. Yeah. Damon. Yeah.\n\nChannel 0: 1. Perfect. Perfect. And you're okay for the call to be recorded?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Awesome. So what I was gonna do today is just go through, update your details, run through some ideas for the super. Is there anything in particular you wanted me to focus on for this review?\n\nChannel 1: I I need to start putting suit my I need to start paying suit for my account. That's one number one. And someone was saying, I think you said ages ago that I can claim that on tax as well.\n\nChannel 0: Yeah. That's right. Because you're out on your own, so the way\n\nChannel 1: Yes.\n\nChannel 0: to do it is\n\nChannel 1: Yes.\n\nChannel 0: we can send you, like, a BPAY or EFT details.\n\nChannel 1: Yes.\n\nChannel 0: And I think\n\nChannel 1: Yes.\n\nChannel 0: we originally recommended that $50 as a bit of a\n\nChannel 1: Yes.\n\nChannel 0: starting point. Does that sound reasonable?\n\nChannel 1: Yes. Yep. That does sound reasonable. Yes.\n\nChannel 0: Yep. So once we get that going in there, around about the end of June, we'll\n\nChannel 1: Yep.\n\nChannel 0: do a form with you called a notice of intent to claim form, and we just\n\nChannel 1: Yep.\n\nChannel 0: need to get that accepted by the super fund and the tax office before you do your tax return.\n\nChannel 1: Yep. No worries. Yep.\n\nChannel 0: Perfect. And how has it been going out on your own?\n\nChannel 1: Really good. I need to find I need to beat the tax man. So,\n\nChannel 0: Oh, no.\n\nChannel 1: yeah, that's my killer at the moment. I'm paying way, way too much tax, and my tax accountant, she's normally really, really good, but she didn't really tell me, oh, look. You have to start paying super in your account. And I've been forgetting a lot.\n\nChannel 0: Yes.\n\nChannel 1: So yeah. So I was like, oh, shit. Why didn't she remind me that every time my back keeps coming in? And,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, and then I needed a financial planner. So I booked in to see a financial planner to help me how to, like, reduce my taxes a bit more, but I reckon I just have to cut back my days a bit, I reckon.\n\nChannel 0: Yep. Fair enough. And when you went through the tax season, we were kind of estimating you might still be around the 60,000 mark for the income side of things. What did it end up ending like?\n\nChannel 1: I with the with this year, I earned 200 k.\n\nChannel 0: Oh my lord.\n\nChannel 1: Yeah. So that's how much I was working. Like, I was doing forty eight hour shifts. I was doing on call. I was I was and I said to my tax adviser that I honestly did not know how much I was working.\n\nAnd then see, my son went off the rails, so he was living with my my ex partner, his father. So I thought, well, instead of staying home, I'll ask, I'll just keep working and keep working. And and then and I still haven't been burnt out, which touch wood, but now\n\nChannel 0: Yeah.\n\nChannel 1: I've realized that I paid way, way too much. And then the year before, I think I end up paying a 130 k a year. So if I can go back to that lump of sum and then cut back I reckon some weekends I have to give up, I reckon.\n\nChannel 0: Okay. So you wanna cut back to that $1.30?\n\nChannel 1: Yeah. Yeah. I'm I've gotta try because otherwise, I'm gonna burn myself out, and I'll be paying too much tax. And yeah.\n\nChannel 0: Yeah. Okay. So I'll put in a bit of an updated plan because I wanted to update a couple of investments inside the super. We'll send\n\nChannel 1: Yeah.\n\nChannel 0: you through the BPA EFC details for the contribution, and then I'll flag you for that notice of intent form so the team can reach out to you around June,\n\nChannel 1: Yep. Thank you so much.\n\nChannel 0: July. No worries at all. And outside of that, so I'm assuming it's still in George Street address wise?\n\nChannel 1: Yep. Yep. Still in there. Yep.\n\nChannel 0: Cool. As far as the the home and the mortgage goes, I think we had you at 581,000. Have you paid a chunk off of that?\n\nChannel 1: Hang on. Because I went for a separation. I had to end up getting 620, but I think I owe 610 now.\n\nChannel 0: $6.10. I'll do a quick online updated evaluation there. Just bear with me for a sec. 610 Owing. And in terms of obviously, when you're in, like, self employed, you're trying to put aside some money for, like, taxes and so on.\n\nBut do you have a bit of a pool of, like, personal savings off to the side, or is it all mixed together?\n\nChannel 1: Well, I do I've put some money in my home loan. So I'm in front of that 5,000 in my home loan. And\n\nChannel 0: Yes.\n\nChannel 1: I do well, actually, the 40,000 I've got that extra it's gotta go back into the home loan. So I've gotta go back to the bank and put that 40,000 back into my home loan. Does that make sense? Because it's been sitting there for twelve months, and I haven't touched it. And I don't want to touch it, and I really wanna send it back to my home loan, and that'll bring my home loan back down a bit.\n\nChannel 0: Yes. And you're\n\nChannel 1: Yeah.\n\nChannel 0: just gonna sort of pay it off and keep it in redraw, or is it like an offset account?\n\nChannel 1: Yeah. Yeah. Well, it's it's in the offset account at the moment, but I wanna put it in my home loan redraw, I think. I think that's the best option that I need to do because they said I can redraw it if I need it. Yeah.\n\nChannel 0: K. And do you still have that that loan on the Hilux?\n\nChannel 1: No. So that's all been paid out. I've only got the home loan.\n\nChannel 0: Awesome. Well done. Beautiful. Beautiful. Beautiful.\n\nCouple of quick checks from last time. So that's the assets and liabilities. No other loans or assets floating around outside of that?\n\nChannel 1: No. Nothing. No.\n\nChannel 0: Alrighty. In terms of the estate planning, we had that you had, like, a will in place, but we weren't sure if you had, like, a power of attorney for, you know, if you're in hospital or something like that.\n\nChannel 1: Yes. I'm pretty sure I had my brother in the wheel for all that type of stuff. So\n\nChannel 0: Alright. I'll\n\nChannel 1: but\n\nChannel 0: put\n\nChannel 1: maybe\n\nChannel 0: it as\n\nChannel 1: I\n\nChannel 0: a yes.\n\nChannel 1: yeah. Yeah. Put it in as a yes. But I need to go see the lawyer's friend anyway because like I said, my son's off the rails at the moment. Because he's running, but, still, if something happens to me, I still I need to ask my other brother to take over and put him in the wheel and, like, a power of attorney if anything does happen to me.\n\nChannel 0: Okay. So when it comes to the super, we've got Ollie listed as the beneficiary directly. One of the things that you might wanna consider doing is if you do put in place the will and update it all,\n\nChannel 1: Yes. Yeah.\n\nChannel 0: we can we can aim the super after will so it becomes an estate after. And then you can\n\nChannel 1: Yeah.\n\nChannel 0: be a bit more specific in how that money gets used for him rather\n\nChannel 1: Yeah.\n\nChannel 0: than it\n\nChannel 1: Okay.\n\nChannel 0: just going to him directly and controlled by whoever takes over his guardian.\n\nChannel 1: Okay. So do I talk to the lawyer about that?\n\nChannel 0: Yes. And then once that's\n\nChannel 1: Yes.\n\nChannel 0: in place, we can update the beneficiary nomination.\n\nChannel 1: Yep. Okay. And what I just asked them to what do I say? I'm just asking.\n\nChannel 0: So you what you basically wanna say is that you want your your server to be handled by the will and possibly look at the testamentary trust\n\nChannel 1: Yes.\n\nChannel 0: will, which basically what happens is, you know, if you pass away, the will activates and creates a trust fund, and all those funds get pulled into there. And then you've got more control over, you know, who can look after the funds and how they could be spent for the beneficiary.\n\nChannel 1: Yep. Okay. Cool.\n\nChannel 0: I'll\n\nChannel 1: Yep.\n\nChannel 0: include\n\nChannel 1: Cool.\n\nChannel 0: that in the updated plan just so you've got that info there as well.\n\nChannel 1: Thank you. That'd be great. Thank you.\n\nChannel 0: And just in terms of the service, obviously, without the contributions going in, it's it's kind of stalled a little bit because\n\nChannel 1: Yeah.\n\nChannel 0: the stock market dropped twice\n\nChannel 1: Yep.\n\nChannel 0: in March and then just this month as well. It's still positive for the year a few percent. Still growing a little bit. But with the\n\nChannel 1: Yes.\n\nChannel 0: premiums coming out and the market dropping, it's just kind of stalled a little bit. That's all.\n\nChannel 1: Yep. Okay.\n\nChannel 0: But in terms of the portfolio, everything's looking pretty good. There's just one\n\nChannel 1: Yep.\n\nChannel 0: kind of, like, term deposit that the government's phasing out next year, so I'm just gonna\n\nChannel 1: Yep.\n\nChannel 0: update that one. And there was that one option that was kind of underperforming. I'm gonna switch that one out as well.\n\nChannel 1: Okay. Cool. Thank you.\n\nChannel 0: Cool. And are you okay for it to still kind of be that growth risk profile? You know how we've got, like, the 80% in shares property goal, just trying to get as much growth as possible without being\n\nChannel 1: Yep.\n\nChannel 0: high risk. Are you still okay with that?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect. And the last couple of things for me just in terms of the insurances. So this one's a bit tricky.\n\nChannel 1: Yeah.\n\nChannel 0: So you've got 868,000 worth of life and disability insurance.\n\nChannel 1: Yeah.\n\nChannel 0: Not too expensive there. That's with a sender. Do you want me to keep that one as is? Do you want me to lower it, increase it? What are you thinking on those two?\n\nChannel 1: What do you reckon?\n\nChannel 0: Well, it clears out the mortgage and leave. If you add your super in there, it'll still leave a good $4,500,000 after the mortgage is cleared for\n\nChannel 1: Yep.\n\nChannel 0: either if you can ever work again to sort of fund your lifestyle or if you pass away, you can set the\n\nChannel 1: So you reckon just leave it in your account?\n\nChannel 0: kids up. Yeah. It should be alright.\n\nChannel 1: Yes.\n\nChannel 0: The one that's kind of a bit bit iffy for me is more the income protection.\n\nChannel 1: Yeah. That's what I'm worried\n\nChannel 0: So\n\nChannel 1: about, sir. Yeah.\n\nChannel 0: well, when I'm looking at it so it's only covering you for 3,000 a month worth of cover, which is protecting an income of 54,000. So it's very, very low in\n\nChannel 1: Yeah.\n\nChannel 0: cover amounts. You've got\n\nChannel 1: Yeah.\n\nChannel 0: a thirty day waiting period and a five year benefit period, which is great. You know, you're out of work for a month, kicks in\n\nChannel 1: Yeah.\n\nChannel 0: for up to five years.\n\nChannel 1: Yeah.\n\nChannel 0: Anything more than five years, here's your TBD lump sum.\n\nChannel 1: Yep.\n\nChannel 0: But what I would need to do then so I I don't know if you were out of work for six months if you'd be able to live on 600 a week, that kind of thing.\n\nChannel 1: Yeah. Let's try. Maybe I'll have the upper ear again.\n\nChannel 0: Yeah. But then we've got quite a quite a big range. So if I was to look at the the 130,000 as an example, you can do\n\nChannel 1: Yeah.\n\nChannel 0: 70%, which is just under 7,600 a month. So we'd be doubling it.\n\nChannel 1: Yeah. Oh, what is the bag\n\nChannel 0: And that\n\nChannel 1: I see\n\nChannel 0: is\n\nChannel 1: there?\n\nChannel 0: what was that? Sorry. What about 80?\n\nChannel 1: Yeah.\n\nChannel 0: Bear in mind that's before tax too. So if I do 80, that'll\n\nChannel 1: Yeah.\n\nChannel 0: ensure for 56,000 so 4,666 a month. So about a thousand dollars a week. Would that do?\n\nChannel 1: Yeah. That should go. I mean, you just gotta do it, don't you, really?\n\nChannel 0: Yeah. So one thing I wanted to kind of run by you is two two little things, and you don't have to fully decide it right now. But\n\nChannel 1: Yeah.\n\nChannel 0: if we increase the income protection, there's\n\nChannel 1: Yeah.\n\nChannel 0: gonna be more fees coming out of the super, so that's gonna hurt things a little bit.\n\nChannel 1: Okay.\n\nChannel 0: You can do two options. You can actually pay for income protection out of pocket, and it's fully tax deductible,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: which if you're earning a 130, 200,000, you'll save a good 37\n\nChannel 1: Yeah.\n\nChannel 0: percent on the premium.\n\nChannel 1: Yeah.\n\nChannel 0: The other thing you can do, if it's easier, sometimes I get people to salary sacrifice or put it in as contributions. You know how we're saying the $50 a week? If you're okay to increase that a little bit, you can still get the same tax deduction through the super, leave the income protection in there,\n\nChannel 1: Yeah.\n\nChannel 0: but it's\n\nChannel 1: Yep.\n\nChannel 0: something that you can start, stop, increase, decrease depending on what you need cash flow wise.\n\nChannel 1: Yeah. Okay. So if I had to pay it out fully, how much would it be?\n\nChannel 0: So I'll I'll give you an example. So if it was to kind of double the cover amount, it might be, like, 3,000 a year kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: So if I work that back, 50 so possibly, like, another 50 a week into the super to fully cover\n\nChannel 1: Yeah. And then I can claim that on tax, though, can I? Yeah.\n\nChannel 0: that. Correct. So let's say you put in a 100 a week,\n\nChannel 1: Yeah.\n\nChannel 0: you would claim that back and get another 30, you know, $37 a week back,\n\nChannel 1: Yeah.\n\nChannel 0: which would get you another $2 back in your tax.\n\nChannel 1: Yeah. Let's do that then.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: So I'll set the plan as a 100\n\nChannel 1: Yep. Yep.\n\nChannel 0: before tax, and we'll see how we go with that. If it becomes a problem with your cash flow, again, you you control your contributions. It's up to you.\n\nChannel 1: Yep. Yep. Perfect. Yep. Let's do that then.\n\nChannel 0: Cool. Now because this policy came in fourth in 2023,\n\nChannel 1: Yeah.\n\nChannel 0: increasing it, they go through, obviously, like, health questions again. So I'm just wondering what what sort of happened the last three years in terms of doctors, diagnosis, medications that may give you, you know, an exclusion or\n\nChannel 1: Yeah. Yep. Oh, no. Sorry. No.\n\nNothing. Nothing at all.\n\nChannel 0: Cool. If it's okay with you, I would like to try and research if there's an alternative provider that might be cheaper. But if not, I'll just do an alteration quote through a sender.\n\nChannel 1: Okay. I'm happy to do whatever. Yep.\n\nChannel 0: Awesome. My last question is just in terms of the specific duties that you're doing, are we still just saying it's fully, like, aged care or disability support, or do you kind of lean towards one specifically now?\n\nChannel 1: Disability, Moa? Yeah.\n\nChannel 0: Yep. And you just kind of contract out under the ABN?\n\nChannel 1: Yep. Through NTIS. Yep.\n\nChannel 0: Yep. And it's all, like, in home visits, that kind of thing?\n\nChannel 1: Yep. And there's probably one in hospital, but I don't know how long he's been he's going to stay in hospital for. But, yeah, stay in home.\n\nChannel 0: Yep. And we've done. And anything that we use for the application for a sender, if there's been no other health concerns, concerns, we'll use that. But, again, once I've updated the plan, it'll have the updated contribution, the the stuff about the will and beneficiary,\n\nChannel 1: Yep.\n\nChannel 0: the quote for the insurance, the super, and then we'll basically just book you in for a bit of an application with Jack. It should take about twenty minutes or so, but we can\n\nChannel 1: Yep.\n\nChannel 0: do that on a separate day.\n\nChannel 1: Alright. Perfect.\n\nChannel 0: Sounds good. Is there anything else I can help with at\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: That's all\n\nChannel 0: moment?\n\nChannel 1: good. But\n\nChannel 0: Yeah.\n\nChannel 1: can I start\n\nChannel 0: I\n\nChannel 1: paying my super\n\nChannel 0: will\n\nChannel 1: into my account? But I don't\n\nChannel 0: I'll\n\nChannel 1: have the\n\nChannel 0: get the\n\nChannel 1: or anything,\n\nChannel 0: team\n\nChannel 1: though. That's\n\nChannel 0: to\n\nChannel 1: the thing.\n\nChannel 0: send that through to you straight away.\n\nChannel 1: Yep.\n\nChannel 0: It\n\nChannel 1: Thank\n\nChannel 0: might\n\nChannel 1: you.\n\nChannel 0: be Monday,\n\nChannel 1: Yep. No. That'll be perfect. Yep. No worries.\n\nChannel 0: though. Easy done. And you did already sign a consent form for us to remain advisers with Hub. So it's still the same 1.65%. When we do\n\nChannel 1: Yep.\n\nChannel 0: eventually get you up to 200,000, we do have discounts now for clients over 200,000. So we'll get you out there as soon as we can.\n\nChannel 1: Alright. Thank you so much for that.\n\nChannel 0: No worries, Ali. Look. Thank you for taking a bit of your Friday morning with me. Is there anything else I can do before I let you go?\n\nChannel 1: No. That's all good. Thank you so very much.\n\nChannel 0: You're most welcome. I'll talk to you in a few weeks once we've got the plan together, and have a fantastic weekend.\n\nChannel 1: You too. Thank you.\n\nChannel 0: Thanks. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":4.08,"end":4.58,"sentiment":"neutral","sentiment_score":0.028467148542404175}],"sentiment":"neutral","sentiment_score":0.028467148542404175,"channel":1,"num_words":1,"start":4.08,"end":4.58},{"sentences":[{"text":"Ali, good morning.","start":6.3199997,"end":7.12,"sentiment":"neutral","sentiment_score":0.190643643339475},{"text":"It's Tommy here, senior adviser from.","start":7.12,"end":9.2,"sentiment":"neutral","sentiment_score":0.14786949505408606},{"text":"How are you doing?","start":9.2,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.1343579776585102}],"sentiment":"neutral","sentiment_score":0.15358306238284478,"channel":0,"num_words":13,"start":6.3199997,"end":10.0199995},{"sentences":[{"text":"Good.","start":10.719999,"end":10.96,"sentiment":"neutral","sentiment_score":0.28614121675491333},{"text":"How are 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But with the Yes.","start_word":1595,"end_word":1627,"intents":[{"intent":"Explain stock market","confidence_score":0.017951578}]},{"text":"But in terms of the portfolio, everything's looking pretty good. There's just one Yep. kind of, like, term deposit that the government's phasing out next year, so I'm just gonna Yep. update that one. And there was that one option that was kind of underperforming. I'm gonna switch that one out as well. Okay.","start_word":1647,"end_word":1700,"intents":[{"intent":"Update portfolio","confidence_score":0.6972584}]},{"text":"There's just one Yep. kind of, like, term deposit that the government's phasing out next year, so I'm just gonna Yep. update that one. And there was that one option that was kind of underperforming. I'm gonna switch that one out as well. Okay.","start_word":1657,"end_word":1700,"intents":[{"intent":"Update term deposit","confidence_score":0.43922788}]},{"text":"Do you want me to lower it, increase it?","start_word":1805,"end_word":1813,"intents":[{"intent":"Lower premium amount","confidence_score":0.00005651043}]},{"text":"cover amounts.","start_word":1949,"end_word":1950,"intents":[{"intent":"Determine coverage amount","confidence_score":0.034903895}]},{"text":"So if I had to pay it out fully, how much would it be?","start_word":2323,"end_word":2336,"intents":[{"intent":"Calculate reimbursement and adjust policy","confidence_score":5.793476e-7}]},{"text":"And you just kind of contract out under the ABN? Yep.","start_word":2634,"end_word":2644,"intents":[{"intent":"Manage abn","confidence_score":0.000030175413}]},{"text":"can I start I paying my super will into my account?","start_word":2796,"end_word":2806,"intents":[{"intent":"Pay super","confidence_score":0.005272212}]},{"text":"And you did already sign a consent form for us to remain advisers with Hub. So it's still the same 1.65%. When we do Yep. eventually get you up to 200,000, we do have discounts now for clients over 200,000. So we'll get you out there as soon as we can.","start_word":2848,"end_word":2898,"intents":[{"intent":"Obtain consent form","confidence_score":0.020216914}]}]},"sentiments":{"segments":[{"text":"Hello? Ali, good morning. It's Tommy here, senior adviser from. How are you doing? Good. How are you?","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.1626281589269638},{"text":"I'm doing absolutely fantastic. I'm doing absolutely Yeah. fantastic.","start_word":18,"end_word":26,"sentiment":"positive","sentiment_score":0.6415097713470459},{"text":"Not Happy too bad. Friday to you.","start_word":27,"end_word":33,"sentiment":"neutral","sentiment_score":0.2839297354221344},{"text":"Good to hear. Good to hear.","start_word":34,"end_word":39,"sentiment":"positive","sentiment_score":0.3922666311264038},{"text":"I had you sort of push back a little bit earlier today for your review just to kind of marry up with your schedule. Do you still have a bit of time for me? Yep. I'm just nearly high, so I can still hear you.","start_word":40,"end_word":84,"sentiment":"neutral","sentiment_score":0.10088948160409927},{"text":"So you're all good to go ahead. Perfect.","start_word":85,"end_word":92,"sentiment":"positive","sentiment_score":0.3500559329986572},{"text":"Alright. I'll go through a quick security check with you. I'll send through a bit of a review pack. And if Yep. you need to kind of switch around when you hop out of the car, just let me know. That's no worries. Yep. No worries.","start_word":93,"end_word":138,"sentiment":"neutral","sentiment_score":0.1199350506067276},{"text":"Awesome.","start_word":139,"end_word":139,"sentiment":"positive","sentiment_score":0.34367799758911133},{"text":"Now I'll get this email sent off to you just with the usual kind of certificates for the insurance, service guides from overview, performance reports, and such. And could I please grab your overview password if you recall? Yeah. Damon That's 666 the or whatever it is. Yeah. Damon. Yeah. 1. Perfect. Perfect. And you're okay for the call to be recorded? Yep. Perfect. Awesome. So what I was gonna do today is just go through, update your details, run through some ideas for the super. Is there anything in particular you wanted me to focus on for this review? I I need to start putting suit my I need to start paying suit for my account. That's one number one. And someone was saying, I think you said ages ago that I can claim that on tax as well. Yeah. That's right. Because you're out on your own, so the way Yes. to do it is Yes. we can send you, like, a BPAY or EFT details. Yes. And I think Yes. we originally recommended that $50 as a bit of a Yes. starting point. Does that sound reasonable? Yes. Yep. That does sound reasonable. Yes. Yep. So once we get that going in there, around about the end of June, we'll Yep. do a form with you called a notice of intent to claim form, and we just Yep. need to get that accepted by the super fund and the tax office before you do your tax return. Yep. No worries. Yep.","start_word":140,"end_word":393,"sentiment":"neutral","sentiment_score":0.09816850053043816},{"text":"Perfect. And how has it been going out on your own? Really good.","start_word":394,"end_word":406,"sentiment":"positive","sentiment_score":0.4942499101161957},{"text":"I need to find I need to beat the tax man. So, Oh, no.","start_word":407,"end_word":420,"sentiment":"neutral","sentiment_score":-0.13208706676959991},{"text":"yeah, that's my killer at the moment.","start_word":421,"end_word":427,"sentiment":"negative","sentiment_score":-0.46295028924942017},{"text":"I'm paying way, way too much tax, and my tax accountant, she's normally really, really good, but she didn't really tell me, oh, look. You have to start paying super in your account.","start_word":428,"end_word":460,"sentiment":"neutral","sentiment_score":-0.2600124776363373},{"text":"And I've been forgetting a lot.","start_word":461,"end_word":466,"sentiment":"negative","sentiment_score":-0.3880535960197449},{"text":"Yes. So yeah. So I was like, oh, shit. Why didn't she remind me that every time my back keeps coming in? And, Yeah. yeah, and then I needed a financial planner. So I booked in to see a financial planner to help me how to, like, reduce my taxes a bit more, but I reckon I just have to cut back my days a bit, I reckon. Yep. Fair enough. And when you went through the tax season, we were kind of estimating you might still be around the 60,000 mark for the income side of things. What did it end up ending like? I with the with this year, I earned 200 k. Oh my lord. Yeah. So that's how much I was working. Like, I was doing forty eight hour shifts. I was doing on call. I was I was and I said to my tax adviser that I honestly did not know how much I was working. And then see, my son went off the rails, so he was living with my my ex partner, his father. So I thought, well, instead of staying home, I'll ask, I'll just keep working and keep working. And and then and I still haven't been burnt out, which touch wood, but now Yeah.","start_word":467,"end_word":680,"sentiment":"neutral","sentiment_score":-0.08994107498465298},{"text":"I've realized that I paid way, way too much.","start_word":681,"end_word":689,"sentiment":"negative","sentiment_score":-0.427619993686676},{"text":"And then the year before, I think I end up paying a 130 k a year.","start_word":690,"end_word":705,"sentiment":"neutral","sentiment_score":-0.27165982127189636},{"text":"So if I can go back to that lump of sum and then cut back I reckon some weekends I have to give up, I reckon.","start_word":706,"end_word":731,"sentiment":"negative","sentiment_score":-0.3545442223548889},{"text":"Okay. So you wanna cut back to that $1.30? Yeah. Yeah.","start_word":732,"end_word":742,"sentiment":"neutral","sentiment_score":-0.05531397834420204},{"text":"I'm I've gotta try because otherwise, I'm gonna burn myself out, and I'll be paying too much tax.","start_word":743,"end_word":760,"sentiment":"negative","sentiment_score":-0.4396483302116394},{"text":"And yeah. Yeah. Okay. So I'll put in a bit of an updated plan because I wanted to update a couple of investments inside the super. We'll send Yeah. you through the BPA EFC details for the contribution, and then I'll flag you for that notice of intent form so the team can reach out to you around June, Yep.","start_word":761,"end_word":820,"sentiment":"neutral","sentiment_score":0.15770728886127472},{"text":"Thank you so much.","start_word":821,"end_word":824,"sentiment":"positive","sentiment_score":0.7438236474990845},{"text":"July. No worries at all. And outside of that, so I'm assuming it's still in George Street address wise? Yep. Yep. Still in there. Yep. Cool. As far as the the home and the mortgage goes, I think we had you at 581,000. Have you paid a chunk off of that? Hang on. Because I went for a separation. I had to end up getting 620, but I think I owe 610 now. $6.10. I'll do a quick online updated evaluation there. Just bear with me for a sec. 610 Owing. And in terms of obviously, when you're in, like, self employed, you're trying to put aside some money for, like, taxes and so on. But do you have a bit of a pool of, like, personal savings off to the side, or is it all mixed together? Well, I do I've put some money in my home loan. So I'm in front of that 5,000 in my home loan. And Yes. I do well, actually, the 40,000 I've got that extra it's gotta go back into the home loan. So I've gotta go back to the bank and put that 40,000 back into my home loan. Does that make sense? Because it's been sitting there for twelve months, and I haven't touched it. And I don't want to touch it, and I really wanna send it back to my home loan, and that'll bring my home loan back down a bit. Yes. And you're Yeah. just gonna sort of pay it off and keep it in redraw, or is it like an offset account? Yeah. Yeah. Well, it's it's in the offset account at the moment, but I wanna put it in my home loan redraw, I think. I think that's the best option that I need to do because they said I can redraw it if I need it. Yeah. K. And do you still have that that loan on the Hilux? No. So that's all been paid out. I've only got the home loan.","start_word":825,"end_word":1161,"sentiment":"neutral","sentiment_score":-0.0038946138512486873},{"text":"Awesome. Well done. Beautiful. Beautiful. Beautiful.","start_word":1162,"end_word":1167,"sentiment":"positive","sentiment_score":0.5772590041160583},{"text":"Couple of quick checks from last time. So that's the assets and liabilities. No other loans or assets floating around outside of that? No. Nothing. No. Alrighty. In terms of the estate planning, we had that you had, like, a will in place, but we weren't sure if you had, like, a power of attorney for, you know, if you're in hospital or something like that. Yes. I'm pretty sure I had my brother in the wheel for all that type of stuff. So Alright. I'll but put maybe it as I a yes. yeah. Yeah. Put it in as a yes. But I need to go see the lawyer's friend anyway because like I said, my son's off the rails at the moment. Because he's running, but, still, if something happens to me, I still I need to ask my other brother to take over and put him in the wheel and, like, a power of attorney if anything does happen to me. Okay. So when it comes to the super, we've got Ollie listed as the beneficiary directly. One of the things that you might wanna consider doing is if you do put in place the will and update it all, Yes. Yeah. we can we can aim the super after will so it becomes an estate after. And then you can Yeah. be a bit more specific in how that money gets used for him rather Yeah. than it Okay. just going to him directly and controlled by whoever takes over his guardian. Okay. So do I talk to the lawyer about that? Yes. And then once that's Yes. in place, we can update the beneficiary nomination. Yep. Okay. And what I just asked them to what do I say? I'm just asking. So you what you basically wanna say is that you want your your server to be handled by the will and possibly look at the testamentary trust Yes. will, which basically what happens is, you know, if you pass away, the will activates and creates a trust fund, and all those funds get pulled into there. And then you've got more control over, you know, who can look after the funds and how they could be spent for the beneficiary. Yep. Okay.","start_word":1168,"end_word":1545,"sentiment":"neutral","sentiment_score":0.0015539989348441836},{"text":"Cool.","start_word":1546,"end_word":1546,"sentiment":"positive","sentiment_score":0.3554720878601074},{"text":"I'll Yep. include Cool. that in the updated plan just so you've got that info there as well.","start_word":1547,"end_word":1564,"sentiment":"neutral","sentiment_score":0.30269643664360046},{"text":"Thank you. That'd be great. Thank you.","start_word":1565,"end_word":1571,"sentiment":"positive","sentiment_score":0.6730554103851318},{"text":"And just in terms of the service, obviously, without the contributions going in, it's it's kind of stalled a little bit because Yeah. the stock market dropped twice Yep. in March and then just this month as well. It's still positive for the year a few percent. Still growing a little bit. But with the Yes.","start_word":1572,"end_word":1627,"sentiment":"neutral","sentiment_score":-0.06604224443435669},{"text":"premiums coming out and the market dropping, it's just kind of stalled a little bit.","start_word":1628,"end_word":1642,"sentiment":"negative","sentiment_score":-0.3348657786846161},{"text":"That's all. Yep. Okay.","start_word":1643,"end_word":1646,"sentiment":"neutral","sentiment_score":-0.02677399292588234},{"text":"But in terms of the portfolio, everything's looking pretty good.","start_word":1647,"end_word":1656,"sentiment":"positive","sentiment_score":0.38054123520851135},{"text":"There's just one Yep. kind of, like, term deposit that the government's phasing out next year, so I'm just gonna Yep. update that one. And there was that one option that was kind of underperforming. I'm gonna switch that one out as well. Okay.","start_word":1657,"end_word":1700,"sentiment":"neutral","sentiment_score":-0.06714912503957748},{"text":"Cool. Thank you. Cool.","start_word":1701,"end_word":1704,"sentiment":"positive","sentiment_score":0.40107402205467224},{"text":"And are you okay for it to still kind of be that growth risk profile? You know how we've got, like, the 80% in shares property goal, just trying to get as much growth as possible without being Yep. high risk. Are you still okay with that? Yep. Yep.","start_word":1705,"end_word":1753,"sentiment":"neutral","sentiment_score":0.024923037737607956},{"text":"Perfect.","start_word":1754,"end_word":1754,"sentiment":"positive","sentiment_score":0.3635467886924744},{"text":"And the last couple of things for me just in terms of the insurances. So this one's a bit tricky. Yeah. So you've got 868,000 worth of life and disability insurance. Yeah. Not too expensive there. That's with a sender. Do you want me to keep that one as is? Do you want me to lower it, increase it? What are you thinking on those two? What do you reckon? Well, it clears out the mortgage and leave. If you add your super in there, it'll still leave a good $4,500,000 after the mortgage is cleared for Yep. either if you can ever work again to sort of fund your lifestyle or if you pass away, you can set the So you reckon just leave it in your account? kids up. Yeah. It should be alright. Yes. The one that's kind of a bit bit iffy for me is more the income protection. Yeah. That's what I'm worried So about, sir. Yeah. well, when I'm looking at it so it's only covering you for 3,000 a month worth of cover, which is protecting an income of 54,000. So it's very, very low in Yeah. cover amounts. You've got Yeah.","start_word":1755,"end_word":1953,"sentiment":"neutral","sentiment_score":-0.0604944864858934},{"text":"a thirty day waiting period and a five year benefit period, which is great.","start_word":1954,"end_word":1967,"sentiment":"positive","sentiment_score":0.4864721894264221},{"text":"You know, you're out of work for a month, kicks in Yeah. for up to five years. Yeah. Anything more than five years, here's your TBD lump sum. Yep. But what I would need to do then so I I don't know if you were out of work for six months if you'd be able to live on 600 a week, that kind of thing. Yeah. Let's try. Maybe I'll have the upper ear again. Yeah. But then we've got quite a quite a big range. So if I was to look at the the 130,000 as an example, you can do Yeah. 70%, which is just under 7,600 a month. So we'd be doubling it. Yeah. Oh, what is the bag And that I see is there? what was that? Sorry. What about 80? Yeah. Bear in mind that's before tax too. So if I do 80, that'll Yeah. ensure for 56,000 so 4,666 a month. So about a thousand dollars a week. Would that do? Yeah. That should go. I mean, you just gotta do it, don't you, really? Yeah. So one thing I wanted to kind of run by you is two two little things, and you don't have to fully decide it right now. But Yeah. if we increase the income protection, there's Yeah. gonna be more fees coming out of the super, so that's gonna hurt things a little bit. Okay. You can do two options. You can actually pay for income protection out of pocket, and it's fully tax deductible, Yeah. Yeah. which if you're earning a 130, 200,000, you'll save a good 37 Yeah. percent on the premium. Yeah. The other thing you can do, if it's easier, sometimes I get people to salary sacrifice or put it in as contributions. You know how we're saying the $50 a week? If you're okay to increase that a little bit, you can still get the same tax deduction through the super, leave the income protection in there, Yeah. but it's Yep. something that you can start, stop, increase, decrease depending on what you need cash flow wise. Yeah. Okay. So if I had to pay it out fully, how much would it be? So I'll I'll give you an example. So if it was to kind of double the cover amount, it might be, like, 3,000 a year kind of thing. Yeah. So if I work that back, 50 so possibly, like, another 50 a week into the super to fully cover Yeah. And then I can claim that on tax, though, can I? Yeah. that. Correct. So let's say you put in a 100 a week, Yeah. you would claim that back and get another 30, you know, $37 a week back, Yeah. which would get you another $2 back in your tax. Yeah. Let's do that then. Okay. Yep. So I'll set the plan as a 100 Yep. Yep. before tax, and we'll see how we go with that. If it becomes a problem with your cash flow, again, you you control your contributions. It's up to you. Yep. Yep.","start_word":1968,"end_word":2485,"sentiment":"neutral","sentiment_score":0.03598291424739545},{"text":"Perfect.","start_word":2486,"end_word":2486,"sentiment":"positive","sentiment_score":0.4922581911087036},{"text":"Yep. Let's do that then. Cool. Now because this policy came in fourth in 2023, Yeah. increasing it, they go through, obviously, like, health questions again. So I'm just wondering what what sort of happened the last three years in terms of doctors, diagnosis, medications that may give you, you know, an exclusion or Yeah. Yep. Oh, no. Sorry. No. Nothing. Nothing at all. Cool. If it's okay with you, I would like to try and research if there's an alternative provider that might be cheaper. But if not, I'll just do an alteration quote through a sender. Okay.","start_word":2487,"end_word":2585,"sentiment":"neutral","sentiment_score":0.004752595908939838},{"text":"I'm happy to do whatever. Yep. Awesome.","start_word":2586,"end_word":2592,"sentiment":"positive","sentiment_score":0.7046206593513489},{"text":"My last question is just in terms of the specific duties that you're doing, are we still just saying it's fully, like, aged care or disability support, or do you kind of lean towards one specifically now? Disability, Moa? Yeah. Yep. And you just kind of contract out under the ABN? Yep. Through NTIS. Yep. Yep. And it's all, like, in home visits, that kind of thing? Yep. And there's probably one in hospital, but I don't know how long he's been he's going to stay in hospital for. But, yeah, stay in home. Yep. And we've done. And anything that we use for the application for a sender, if there's been no other health concerns, concerns, we'll use that. But, again, once I've updated the plan, it'll have the updated contribution, the the stuff about the will and beneficiary, Yep. the quote for the insurance, the super, and then we'll basically just book you in for a bit of an application with Jack. It should take about twenty minutes or so, but we can Yep. do that on a separate day. Alright.","start_word":2593,"end_word":2775,"sentiment":"neutral","sentiment_score":0.07437394559383392},{"text":"Perfect. Sounds good.","start_word":2776,"end_word":2778,"sentiment":"positive","sentiment_score":0.46622514724731445},{"text":"Is there anything else I can help with at No. the That's all moment? good. But Yeah. can I start I paying my super will into my account? But I don't I'll have the get the or anything, team though. That's to the thing. send that through to you straight away. Yep. It Thank might you. be Monday, Yep. No. That'll be perfect. Yep. No worries. though. Easy done. And you did already sign a consent form for us to remain advisers with Hub. So it's still the same 1.65%. When we do Yep. eventually get you up to 200,000, we do have discounts now for clients over 200,000. So we'll get you out there as soon as we can.","start_word":2779,"end_word":2898,"sentiment":"neutral","sentiment_score":0.11556408554315568},{"text":"Alright. Thank you so much for that. No worries, Ali. Look. Thank you for taking a bit of your Friday morning with me. Is there anything else I can do before I let you go?","start_word":2899,"end_word":2933,"sentiment":"positive","sentiment_score":0.5689485669136047},{"text":"No.","start_word":2934,"end_word":2934,"sentiment":"neutral","sentiment_score":-0.034951351583004},{"text":"That's all good. Thank you so very much. You're most welcome. I'll talk to you in a few weeks once we've got the plan together, and have a fantastic weekend. You too. Thank you. Thanks. Bye.","start_word":2935,"end_word":2970,"sentiment":"positive","sentiment_score":0.6169432401657104},{"text":"Bye.","start_word":2971,"end_word":2971,"sentiment":"neutral","sentiment_score":0.2611146867275238}],"average":{"sentiment":"neutral","sentiment_score":0.0374765663631698}}}}