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Is now still a good time there for you? Fantastic. Kristin, as part of the the call, we normally email through your documents to go through with us. Are you able to access your emails? It sounds like you're traveling a little bit. Sorry. Yeah. That's absolutely fine. Excellent. I can hear you loud and clear. Now before I jump into the call, just to let you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there with you as well, we are discussing your personal information. So I'll just confirm your full name, your date of birth, and address I should have on file there for you. Yeah. Yep. Beautiful. Thank you so much for that. I've just sent you the email there with your annual review documents. Are you able to jump into your emails? If you can't, it's honestly okay. Yep. Fantastic. The email should come through from OdooSign and or Dana. Hopefully, it pops through fairly quickly there for you. Legend. And how's your day been so far? Yeah. Yeah. You work afternoon or evening shift, don't you? Yeah. Nice. Yeah. Absolutely. All good. And you've just recently had your taste done as well. How's that been going for you? Not yet? Yep. Yep. Can see that's come out. Yep. Okay. Beautiful. End of next month. Yep. Lovely. And what are you having done? Yeah. Yeah. Wow. I've heard like, a lot of people have been telling me that I've been having that done, and I've had a couple of people kinda teach telling me sort of how it goes and how everything goes over the six months. Have they given you kind of a breakdown of what to expect, like, how the process goes of getting those implants in? Yep. Yep. Yeah. Yeah. I didn't realize that it was such a process. That's insane, isn't it? Like, it's good that they kinda do it in steps and stages, I suppose. But yeah. Yeah. Right. Yeah. Yeah. No. Wow. Well, I hope that absolutely. Yeah. No. Definitely. Well, look, honestly, I hope that all goes well. I wanna make sure I catch up with you moving forward to see how everything is going. I can definitely see that payment has come out of your super. So it obviously has made an effect on your super balance there. Just to kinda give you just you're probably well aware, your super balance at the moment within half twenty four, we are sitting at 50,140 and 15¢ there. Within Team Super, we do have 12,704 and 30¢. I did your next report, if you scroll along to the next document, is your performance report within Hub '24. So it does show that that withdrawal has come out. On the second page there, it does still show that you had over the past twelve months a 6.15% return net of fees. So your super has still made money. That's obviously affected the you know, gonna have a a bit more of a effect down the track when you know, from this year to next year. But we'll see what we can do to help you kinda boost your super and build that back. But it is good that you're able to at least access that money for, you know, getting your dental work done. And it's good to see you still had a positive return net of fees as well. So I wanna make sure things keep working harder for you. When I look at how your super is invested, I can see on the first page of that report, there are a couple of investments that are underperforming a little bit. Are you comfortable with me going back and maybe having a look at your super and maybe switching up the portfolio, making sure it's working harder for you, maybe a bit more of a lower cost portfolio, and maybe changing up some of those investments there for you? Fantastic. Absolutely. Well, I can definitely have a look at that for you. I know you can sort of see there that Bannalong Australian Equities is the main one that is down. That one there has been underperforming. And the idea of Bannalong, just to kinda give you a little bit of backstory there, Bennelong is an actively managed fund. So the investment manager within that fund is trying to outperform against the market. They have not been able to do so this year, so we are taking the step to remove that out of the portfolios. I do have a couple of options depending on your comfort level. I can look to replace that with another active manager, or I can just look at a low cost portfolio that might still have good returns. Did you want me to sort of replace it with a like for like, like another active manager, or are you just sort of wanting to reduce the cost of the portfolio and make it work a bit harder to kinda replenish it? I can do that for you. Absolutely. Yeah. Yeah. No. No. Completely understandable. And that's one of the things that is really important to me as well as an adviser is that I do work in your best interest. It is, you know, what we do, making sure that we are here to meet your goals and that any advice that is provided is done so in accordance the best interest duty and section out of the corporations that. So I will make sure I look after you. What I can absolutely do for you is go back. I'll review the sofa, the investments, how it is invested between, obviously, Team Super and Hub twenty four. Make sure you're in line with your, you know, asset allocation within your comfort level, but also look at the fees, the costs, and the capital gains consequences for making changes. So one of the things a lot of people don't realize is that your super fund, just like you, Your super fund also pays income tax and capital gains tax. So when we are looking at switching out the portfolios, we also take, you know, fees and tax consequences into effect. And I can look at, you know, trying to manage as much of those costs and changes as possible. And I can make the recommendation and show you what that looks like in the statement of advice. Are you comfortable with that? Yes. Fantastic. Well, I've got some really good ideas of what I wanna do. So I'll make sure I do that for you, and we'll come back in a couple of weeks and show you the recommendation. The next thing I kinda wanted to talk to you about was the insurance side of things. So I know last year, we were going back and trying to have a look to see whether we could get new cover, and I know you had been denied cover in the past by the insurer. So where we were kind of at was going to we got the authority signed from you, and we had that sent to your doctor's office to see if we could obtain that, information from them. We did eventually get the letter. It took a bit of time, but we did eventually get the letter from them. Now it does essentially say that there was a decline, and it does give the reasoning behind doing so. It's obviously quite sensitive information. But did your doctor ever show you this letter or give you any of this information in the past? No. That's no. That's okay. So yeah. Yeah. So, essentially, with the letter, the outcome of what it says here and I'll are you happy for me to read that information to you? Yeah. Beautiful. So it does note here that Zurich and OnePath had essentially looked at providing the insurance application. It says here in the reason for the decision or the decline was that when they look at an insurance application, they take into account several different considerations or factors. They've taken into consideration the amount of cover applied for your occupation, your age, your smoker status and history, mental health records as well. It's also got here obesity, gastric surgery, and then it's also got here that they also considered talking to account hepatitis c and recreational drug and substance use. They've all a long time ago. Yeah. Yeah. No. They also note down here that they also took into account some memory issues, some back pain, and it says here that they found or there was a record of assault and or coma. Have you had anything in the past where you were in in a in a coma or had a head injury of some sort? Okay. Okay. So, essentially very long time ago. Yeah. Okay. No worries. So that's essentially the reason in 2024 for why they declined the the cover. It was basically a combination of the recreational substance abuse, so the drug use that was disclosed. They kind of also linked that to the mental health, and then they also noted that there was memory issues and the fact that you were in a coma in the past and then, obviously, the back pain. So all of those things that coincided together increased the risk of the application and would have resulted in more than three exclusions and or loadings on the policy. So in that instance, it's a straight decline. I had a look at some other options and providers. There may be an option down the track, but I would need to reassess everything from start to finish for you. I know it's probably not preferable. I'm very sorry to have to do this. I would need to I wanna kinda get the best options. Yeah. Was that with the team super that you're talking about with that life cover? Do you? Yeah. Yeah. Okay. That's that's not a small amount. That's a good amount of cover. Yeah. Absolutely. No. Every absolutely. Yeah. Perfect. Yeah. Yep. Yeah. Absolutely. And I think with with the application that we were going through originally, it wasn't just for life cover. It was also about disability cover as well. And the risk on the disability cover is absolutely higher than the life for a lot of what has been disclosed in the past. So I can sort of see that's where the risk factor laid with the insurer and why that decline kinda came through. So I am really apologetic that that didn't that we weren't able to have this conversation earlier with you. I wanna make sure that moving forward that we don't kind of miss these things and that we are more on top of things with you, definitely. It did take a lot longer to get this report from the doctor's office, and we certainly had anticipated as well. It kinda came through early this year. They were sort of holding back on providing it. We followed up a few times there as well. So it is good that we now have a base. It's all good. Essentially, it is good that we've kinda got this base now for you. You do have that life cover. Who is that life cover through? What's the insurer that you got it through? Sorry. I'm asking all the tough ones, aren't I? That's okay. Does is it, like, one of the ones that you see on the television, like insurance line or real insurance, or is it sort of one of the big name insurers? Yep. Yes. Yeah. Yep. Yep. Yeah. Definitely. And and I mean, in yeah. Sorry. You're right. Direct cover. Beautiful. And who does it say on that email who the underwriter is of the policy? It would say underwritten by, like, Zurich or AMP or Zurich or OnePath or Tal or, like, another insurer or Suncorp. Hallmark, a life insurance company. Okay. I can have a look at that for you. Yeah. You're absolutely fine. I'm having a look at them now to see who their underwriter is. Yep. Yep. So that's the yeah. So it yeah. Yeah. So it is just saying that Hallmark is the underwriter of the policy. Perfect. Yep. No. All good. Perfect. Thank you so much for that. Excellent. So you've got the life in cover you've got the life cover there now with the 800,000 of cover, which is fantastic. With your team, Sophie, you still also do have a 100,704 and $30 there with life cover as well. So, theoretically, if you were to pass away today based on your current circumstances, you've got 800,000 of life cover there plus a $107.00 $4.30 plus your super balance 12 74. Yeah. It works out to do that 969,548 and 75¢. They're between all three because if you were to pass away today, we could claim on the two types of life cover as well as your super benefit and have all that paid out. Now in saying that, what where is it that you want to have that money paid to? What's important to you to have your life insurance cover? Right. Yep. Absolutely. Now you've made mention you've got a nonbinding beneficiary nomination on that policy. Do you understand how those nominations work and what nonbinding means? Mhmm. So is it maybe binding, nonlapsing or binding, lapsing? Yep. That's okay. I just want to clarify that because nonbinding is something very different. Nonbinding nominations essentially don't bind the trustee of the insurance company to follow the direction. Essentially, they can then look at your nomination. They take that into account, but they make the call. Whereas if it's binding binding beautiful. Excellent. So perfect. That's exactly right. And that's how we wanna make sure it is on your super as well with your team super and and your hub 24. Did you it is. Yeah. It is. I'm just double checking those now because we do a bit of an audit prior to the call. So on your hub 24, you have a binding non lapsing to Carol, so you'll start for a 100% of the benefit. And with your Team Super, you do also have a binding beneficiary nomination. It is lapsing. So Team Super don't allow the non lapsing option at the moment. We every three years. So the next time it is due is, yep, in 2028. So we'll make sure that that in your review prior that we help you to organize and update that nomination. That way, it's all done, ready, and doesn't lapse for you. Okay? Excellent. Fantastic. Well, you've done a great job. Sorry to confuse you there. I'm so glad that we have that nomination correct. Yeah. Having that binding is always the best way. And, look, you know as well as I do those nominations can be painful to fill out all the time. So having it nonlapsing means that it stays in place permanently and that we always try to review these with you on a regular basis. So if and when something was to happen and you wanted to change that nomination, you can let us know. We can have it updated to help you out. Okay? Now the other thing I wanted to ask is with the life insurance policy, you have this placed in force, obviously, I don't wanna go out there and cancel that, but I do wanna make sure that having us as your advisers means we can assist you with the policy as well. Are you comfortable if we add an authority to collect onto that policy? It allows us to be able to call and help you to, a, you know, get quotes, understand the policy, and keep a record of that policy on file with everything else that we help and monitor for you. That's okay. Yep. Yeah. That's that's okay. The main reason we try to sort of have the authority to collect on file, we can't make changes on your behalf. It's an authority to inquire only. It helps us to understand what you have available to you when we're assessing your total circumstances and helping you to meet your goals. So understanding what insurance you have, where, and when is a really important aspect. The other side of it is if we don't have an authority on the policy, which is absolutely fine if you choose not to do so. It just means that we're gonna ask you every year what your current insured amount is and make sure that that's still in line with your goals because we have an obligation with everything else to make sure it's all correct and in line with your goals, and that's about making sure we understand your circumstances as a whole and taking into account all possible information to do that. So it's up to you. You don't have to add the authority on file. We try to make sure we can add those authorities to make sure we're assisting you and understanding what you have available to you to help you meet your goals. But if you choose not to, that's fine. We'll just make sure as part of the annual review, it's here. We ask you how much your insurance policy is, and we might just ask you to provide a statement so we can kinda keep a record of that on file for you. Okay? Yeah. Yeah. Yeah. That's okay. Yeah. Absolutely. Absolutely. Now you've got your life insurance fairly covered, which is fantastic because that is really important. In the event of you passing away, you wanna make sure Carol is looked after and your bills are paid. Fantastic. The other thing that you obviously were talking about down the track is disability cover. Now with your TPD or total permanent disability cover, do you understand what that covers, how it works, how it's paid? The the TBD you have through super, it's disability insurance through super. No. That's okay. You're fine, honestly. So TBD pays out a lump sum or an income stream in the event that you're unable to ever go back to work again. It's called total permanent disability cover. Inside your Team Super, you actually have that kinda cover. You have a 100,704 and $30 worth of cover there. Now the kicker with TBD is when it's held inside Super, you in order to meet the definition to claim it, basically, you have to be never able to go back to work again for any occupation for which you are educated, trained, or have worked. So it is a pretty hard definition to claim on. Essentially, if you were to claim on that policy and you were under the age of 60, unfortunately, there is tax applied if you then withdraw the full benefit amount. So tax and it's disgusting. I do not think it's correct in any way, shape, or form, but the tax on that could be up to 22% if you claim and take the amount fully out of super. So you withdraw the funds to your bank account. If you were to ever claim on that, we would help you to claim provide advice on how to limit the tax and how to use the funds so they last a bit longer. But the main thing I kinda wanted to find out was if in the event that you were unable to ever go back to work again, so you were fully disabled and never able to work again, what kind of benefit would you need? Do you feel like that level of cover you have is fine, or would you wanna try and get something a little bit more? I know in the past, we have been declined for cover, but I'm happy to go back and try and reassess things wholly if you would like me to. I just wanted to find out your thoughts and make sure I'm giving you all the information around the product that you do have. Well, think of it this way. Like, if you were never able to go back to work again today, if you were just fully disabled and you couldn't go back to work again and you claimed all that $100,000 policy, we were also able to release your super. So you've got 56,000 in hub 24 and now 12,000 in team super there as well. It just sent does that have TBD as well? Yep. Beautiful. So you've also got 800,000 of TBD attached to your life cover through that new insurance policy as well. Yep. Yeah. Yep. Right. So paid yep. Absolutely. Perfect. So, realistically, you've got a fair amount of life and TPD there. You're fairly comfortable with that level of cover. That's okay? Yep. Yep. Yeah. Yeah. Well, the good thing is if you sort of think about having the mortgage fully paid off, if you're paying, you know, $4.05, or $600 a week in mortgage repayments, if you've then taken that money and you've paid the mortgage 900. Sorry. If you've paid the mortgage off, that's $900 extra that's in your pocket. So, theoretically, your living expenses should decrease, which means you should be able to live on a little bit less than what your actual income is in the event of claiming on one of those covers. Yeah. Yeah. Absolutely. Perfect. Excellent. Well, I'm glad that we've got that kinda covered for you for the moment. The other type of insurances that you don't seem to have that I'm aware of is income protection. Do you have much in the way of sick leave, annual leave, or things to fall back on if you are not at work in a short term? Yep. Yep. Yep. And eighty days of sick leave. Yep. That's okay. We could go back and see if we can find and are able to get maybe some income protection cover for you. Or do you feel like you need income protection? Are you fairly comfortable like, how would you sort of cover the bills and expenses if you were not able to go to work in the short term outside of that sick leave and annual leave? You couldn't? Does does your does Carol work? Is she earning an income? Oh, okay. She's your partner, but not not married. Okay. No. That's, like, yeah, no. That's absolutely fine. That's not a problem at all. I just didn't wanna sort of put my foot in or say anything wrong, but want to make sure I understand you're right. Yeah. It's okay. Yeah. Yes. That's absolutely fine. Family is still important. It sounds like you have a really good, you know, quality of life with your family, and you guys get along really well. Yeah. Oh, look. Even married couples don't get on that well sometimes. No. Oh oh, good. Fantastic. Did you want me to see if I could maybe obtain a bit of income protection for you? It does mean I would have to go back and, you know, look at your circumstances and reassess your medical history and see what's available to you. Or how do you feel about income protection? Would you like me to do that? I'm more than happy to do so. Yep. Yep. Perfect. Into that. No worries at all. Now there's a couple of things to take into account when we look at income protection. The first one is obviously the benefit amount. So the most you can technically cover yourself for with income protection is up to 70% of your pretax disability income. Did you want me to try and cover you for the maximum of your income that we can, the 70%, or do you feel like maybe a lesser benefit would be comfortable before tax? Yeah. Pre disability, pretax income. Yeah. The higher amount? Yep. So the 70 percent is the max benefit? Absolutely. Not a problem. The other side of it is they also have what's called a waiting period. It's how long you have to be off work prior to you actually making a claim. Generally, a benefit period can start at thirty days, be up to sixty days, or ninety days. The longer the waiting period that you the longer you have to wait for a claim means the cheaper the policy can be. So, obviously, a thirty day waiting period makes the policy more expensive. Do you think you would need to have the earliest waiting period near try to claim within thirty days, or do you think you'd be happy with something longer to try and make the policy cheaper? No. That's okay. So thirty days would have to be the lowest that we can do. So we try and get a thirty day waiting period. Yeah. Absolutely. Not a problem. And then we also have what's called a benefit period. This is how long you can be on a claim for. It is tough cause you never know if you're gonna be on a claim. Generally, claims can go for two years, five years, or up to age 65 with income protection policies. Did you wanna look at maybe a longer benefit period for the risk that you may be on a claim longer? Yeah. The most expensive benefit period is age 65. Did you wanna look at five years sort of a happy medium? Yeah. Yep. Five years to start with. Beautiful. Five years benefit period. Excellent. And the income Yeah. Yep. Okay. Perfect. And income wise, I've got you earning. So the last conversation, you were on about 150,000 per annum. Is that still fairly accurate income wise? $1.60? Yep. Perfect. Update that for you. Yep. Okay. Perfect. And are you managing to save much on out of your income once they everything's kinda going to expenses? Yep. Yep. Nope. That's understandable. All good. We can it's life is extremely expensive at the moment, you there's so many people in the same boat. Alright. And it's gone. Sounds right. Yep. Understandable. All good. When I'll go back and have a look at sort of what kind of contracts might be on offer, I will need my team to maybe touch base over the next couple of days and or, you know, next week or so and do a bit of a pre assessment with you just to kind of get a gauge on the health history that, a, we may have, but, b, anything additional that I may need to understand so I can go out there to all the different insurers. I do what's called a blind pre assessment. They don't know anything about you other than that, you know, you're a male of a certain age, and then I have all these, you know, your health basically written down on a pre assessment system. I send that out to the insurers, and they come back and tell me what kind of contracts they might offer. There is a risk depending on what is disclosed. They may decline to offer income protection. If there is if there is that option, we can also look at other things. So one of the things I do try to work on with clients who are unable to get additional disability cover is to look at building wealth outside of super, set up saving plans as well to kind of, you know, save money to provide a bit of an offset. I can also go back to Team Super and see what their income protection policy looks like, have a look at their income the application process, and see if I can maybe get something through through Team Super for you as well. So I'll kinda run all those avenues. I won't let it run as long as it did last year, and I'll make sure that we get you booked back in to have your advice presentation in a couple of weeks as well. Is that okay? Yep. Beautiful. Excellent. But I just wanna make sure I'll try to be open and honest and let you know, look, I'll go out there and do all the work, but there is a risk of a decline. If it comes back that I'm not able to get any kind of cover, I'll come back with some different options as part of the advice and show you, you know, let you know that this is what the outcome is. But these are things that we can do down the track for you to assist you to kinda close that gap with the risk. Is that alright? Yeah? Beautiful. Excellent. All good. Now there are other types of cover that you can hold. Now the other thing I just forgot to ask before, sorry, with your wife and TPD, with that new insurance policy, is that paid out of pocket, or are you having that paid out of your super funds? Out of pocket. Okay. Beautiful. How much are they charging you for that at the moment on a monthly basis? Okay. Fantastic. That's not bad at all per month. Excellent. And with the income protection side of things, you can hold that inside super the same as your other funds. You can also pay some of it out of your back pocket. Did you want it all to be structured inside super, or did you were you okay if I recommended a little bit? Sorry. You're right. Through Super. Yeah. Absolutely. You know, we don't wanna eat away all of you. Yeah. You're already utilizing all of your income for bills and expenses. We don't wanna overextend you too much. Absolutely. Beautiful. Because of the way everything is at the moment with, obviously, your bills and expenditure, looking at more cover outside of Super isn't really an option. And do you feel like making additional contributions to super to kind of build it back up again is sort of off the cards at the moment? Would you be open to doing that, and how do you feel? No. No. That's okay. Not a problem. All good. I'll make sure that we we can sort of focus on things like that down the track as well if you're comfortable too. I'll sort of reassess it with you moving forward. Is that okay, Chris? Yeah. Beautiful. Moving forward. Excellent. I've got down here so assets I've got down here, your main primary residence. Last valuation we have was about 680,000. Would you say that's gone $7.50? Beautiful. Have you had it valued recently? Or oh, fantastic. Excellent. Excellent. Did you get a better rate? Yep. Beautiful. I know. I look at my mortgage rates these days and go, oh my god. It's horrendous. Try to keep refinancing, but then it keeps going up again. It's one of those things, isn't it? That's it. The mortgage on the property, we had about 517,000. What do you owe on the property at the moment? 600. Beautiful. And then other assets that's okay. Other assets, I had your car down as well with an asset value of 50,000. How would you value your car currently, do you think? I'm not gonna lie. It does actually say it just says car. Which car would you value that? Yeah. 55? Beautiful. Yep. That's it. Yep. Beautiful. Fantastic. Do you have loans on either of those vehicles? That's a high end. Yep. Beautiful. I'll just update that for you. And how much do you have on the Hyundai? How much do you owe? Sorry. 35. Yep. Beautiful. Excellent. And any other assets you'd note down? Any other shares or assets of anything or any other valuables? Yep. That's okay. Not a problem at all. Now I've confirmed that your beneficiary nominations are all in line and appropriate there. Wills and power of attorneys, have you spoken to your partner and your kids, and have you ever spoken to a solicitor about maybe getting a will or power of attorney and join this visa. Yep. Yep. Yeah. Oh, I'm so sorry. Oh, I'm so sorry. Yeah. No. It's one of the things I am learning as I get older. I'm in my forties now, and it is a factor of life that, unfortunately, we end up to go into more funerals and things like that. But it's also, unfortunately, a factor of my job that we do have a lot of these conversations and kind of reiterating the importance of having a will and a power of attorney set up to make sure that your wishes are adhered to. A power of attorney, especially having an enduring power of attorney to, you know, make sure that you've got someone nominated to act on your behalf in the event that you can't is really important to do so. So I know will kits can be a little bit difficult as much as they are cheaper. Having a solicitor, obviously, is a the best option, but there are other options out there. So every state does have, like, a local trustee that can put you in contact with someone to do up a simple will fairly simply, and they are done by solicitors, and they are legal wills. If you wanted to, you're in Victoria. I could find the local one for you and email that information through if you like. Yeah. Beautiful. Just so you've got a bit of information around who to contact, how it works, and then you can kinda go from there to make it a bit easier on you. No. That's okay. Not a problem at all. I'll get that email drawn up for you. It's not a problem. When we're sort of looking at the advice moving forward, we originally had here that, realistically, you were hoping to retire around about the age 67. Now you are still really young. You have a lot of time on your side. You reckon you'll be working longer? Yep. For save goals wise, did you want me to work on 67? Because that is the age at the moment that you're able to access the age pension. Look. I'm the same age as you, so I hope we could still have the age pension. But yeah. Age of 70? Absolutely. I can do that for you. Beautiful. With the advice, I only factor in the next five to ten years currently, because, realistically, there's a lot of changes that could happen in your life in that time frame. But in the back end, we do kind of look a bit deeper and find out where we're sort of tracking longer term. That's absolutely fine. We originally had here that you were hoping to draw about a thousand dollars a week income in retirement from your super. I know down the track that could absolutely change. That is in today's dollars, which could be needs to be a lot higher down the track. But do you still feel a thousand dollars would be, you know, what you'd hope to draw down income wise in today's dollars in the future? Yeah. Yeah. That's okay. That's okay. What you kinda tell us now just gives us a base for a goal on how we're sort of tracking forward. However, when you actually get to the years that you decide you wanna retire, we'll look a lot deeper at what you actually need to draw down, look at how we draw that down, whether we can incorporate Centrelink, and what other advice we provide to make sure it lasts as long as possible for you. Okay? At the moment, it's just giving us a base for a goal, and we know that can absolutely change due to so many factors down the track. Okay? Excellent. All good. There just to kind of recap, so I'm gonna go back and review the super for you. Also, have a look at the underlying investments there. I'll check your risk profile shortly to make sure that everything is in line with that correctly. We're happy to retain the insurances at the moment, but I'll look at trying to get you some income protection to make sure it's paid for inside super. We're not looking at any new cover outside of super. Not looking at any additional contributions at the moment to kinda limit the expenses on your cash flow. And estate planning, we're just making sure that your will and power of attorney get done up in the future, and you're happy with your beneficiaries as they are. Does that sound correct? Have I missed anything? Perfect. Do you have any other goals that you're sort of looking to achieve down the track that you might, you know, be wanting us to sort of help with further down the track? Can be anything. That's okay. No. That's okay. All good. Not a problem at all. And just sort of looking at your home loan, you're sort of are you hoping to have that paid off by the time you get to those retirement years? Is that kind of your goal with your home loan? It is. It is. It sometimes feels a lot harder than it seems, but absolutely Yeah. Absolute absolutely. It is a realistic factor these days, though, that a lot more people are retiring with still a home loan. I know for yourself, you've got a bit longer ahead of you. You're only 42 this year. So, realistically, you've got time to pay that down. But there are a lot more retirees, especially baby boomers, who are retiring, who still have a mortgage, and I have to factor in that into their retirement income drawdowns, or they're using more of their super to pay that off as well. So it's not not as easy as it was about thirty odd years ago. We are finding it it is a lot different now. Yeah. The last thing I wanna do really quickly is just your risk profile questionnaire. I have answered most of the questions for you. The main one I need to answer real really quickly is if you saw your super full by, say, 20% over the next one to two years due to what was happening generally in the market, how do you think you might react? Do you think you'd be wanting to put more money in, take advantage? Yeah? Or I probably would tell you. I'm a little bit too honest, So I'd probably tell you in the end review if I'm honest with you. That's yeah. Yeah. Okay. Yeah. That's yeah. That's absolutely fine. So I'll just tick the box and that you'd probably speak to us. Absolutely. When you think about your super I know it's not obviously the biggest priority for you at the moment, but when you think about your super, are you happy taking on more risk in the market to try and get those greater potential returns knowing there is a downside as well, or are you a little bit more nervous about the risk level that you're taking? Yep. That's absolutely fine. Not a problem at all. That's easy done. So, look, realistically, at the moment, you are in that growth kind of environment there. For your age and stage, the growth portfolio does suit you. It does suit someone who's not gonna access super for the next six years. Given your age and stage, most people of yours and my age would be in that kind of environment there. You see 80% invested in those growth assets to try and get greater potential growth. So thinking Australian international shares, listed property, and some gold and silver here and there as well, and then still having some of those low risk defensive investments to kinda mitigate long term ups and downs. You can expect a negative return around about one in every five years is the expectation. And the growth portfolio, we wanna try and achieve around about seven to 9% on an average basis compounding forward. Do you like, realistically, you're in that kind of environment and you can stay in that environment. It suits your time horizon. You're not accessing super, you can wade through the down times before you're gonna draw anything out under legislation. I would be happy to keep you in that portfolio. Do you feel like that is your comfort level? Does any of what I've just said concern you in any way? No. Beautiful. Excellent. Does any of what I does all of that kinda make sense? Do you have any questions? No? All good. Perfect. Well, what I'll do is I'll go back and have a look at everything for you. I do need to book in a really quick pre assessment with one of my colleagues. Is there a day maybe this week or next week that would suit you in the afternoon or whatever time suits you to kinda go through a quick pre assessment with my team? That's okay. Tomorrow, it does look we like, we are fully booked. I could do next Monday. Uh-huh. Yep. Absolutely. We can do that. Not a problem at all. So 10AM, Monday for the pre assessment. Beautiful. Thank you so much for that, Christopher. Once my team members have done that pre assessment with you, they'll your SOA presentation for a couple of weeks. And in the meantime, I'll go back and do that research just so we have those, you know, dates flagged for you so you know we are kinda coming back and not sort of missing on anything for you. Okay? Excellent. Thank you so much for that. Now I have got the email there and sent that through with your ongoing service agreement. It does just have your ongoing service fee, which is 1.65% as it has been in the past. Because your balance is lower now, your ongoing service fee is expected to be lower. So for the year, we do expect the fee to be about $972.63, which is paid out of Hub twenty four. So if you're happy with staying on board, I'll just get you to sign and return that back for me, and I'll see what I can do about making you super work harder and, you know, getting you some insurances and seeing what we can do to help you out. Alright? Thank you so much for your time. I really appreciate it. I know you're at work, so I hope you have a good afternoon or a good evening, good night. Thanks, Christopher. I'll talk to you soon. See you later. 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Christopher. This is Dana from Okie Financial. How are you this afternoon? I'm very well. Thank you.\n\nThank you for asking. I had you booked in to go through your annual review. Is now still a good time there for you? Fantastic. Kristin, as part of the the call, we normally email through your documents to go through with us.\n\nAre you able to access your emails? It sounds like you're traveling a little bit. Sorry. Yeah. That's absolutely fine.\n\nExcellent. I can hear you loud and clear. Now before I jump into the call, just to let you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just to do a quick security check there with you as well, we are discussing your personal information. So I'll just confirm your full name, your date of birth, and address I should have on file there for you. Yeah. Yep. Beautiful.\n\nThank you so much for that. I've just sent you the email there with your annual review documents. Are you able to jump into your emails? If you can't, it's honestly okay. Yep.\n\nFantastic. The email should come through from OdooSign and or Dana. Hopefully, it pops through fairly quickly there for you. Legend. And how's your day been so far?\n\nYeah. Yeah. You work afternoon or evening shift, don't you? Yeah. Nice.\n\nYeah. Absolutely. All good. And you've just recently had your taste done as well. How's that been going for you?\n\nNot yet? Yep. Yep. Can see that's come out. Yep.\n\nOkay. Beautiful. End of next month. Yep. Lovely.\n\nAnd what are you having done? Yeah. Yeah. Wow. I've heard like, a lot of people have been telling me that I've been having that done, and I've had a couple of people kinda teach telling me sort of how it goes and how everything goes over the six months.\n\nHave they given you kind of a breakdown of what to expect, like, how the process goes of getting those implants in? Yep. Yep. Yeah. Yeah.\n\nI didn't realize that it was such a process. That's insane, isn't it? Like, it's good that they kinda do it in steps and stages, I suppose. But yeah. Yeah.\n\nRight. Yeah. Yeah. No. Wow.\n\nWell, I hope that absolutely. Yeah. No. Definitely. Well, look, honestly, I hope that all goes well.\n\nI wanna make sure I catch up with you moving forward to see how everything is going. I can definitely see that payment has come out of your super. So it obviously has made an effect on your super balance there. Just to kinda give you just you're probably well aware, your super balance at the moment within half twenty four, we are sitting at 50,140 and 15¢ there. Within Team Super, we do have 12,704 and 30¢.\n\nI did your next report, if you scroll along to the next document, is your performance report within Hub '24. So it does show that that withdrawal has come out. On the second page there, it does still show that you had over the past twelve months a 6.15% return net of fees. So your super has still made money. That's obviously affected the you know, gonna have a a bit more of a effect down the track when you know, from this year to next year.\n\nBut we'll see what we can do to help you kinda boost your super and build that back. But it is good that you're able to at least access that money for, you know, getting your dental work done. And it's good to see you still had a positive return net of fees as well. So I wanna make sure things keep working harder for you. When I look at how your super is invested, I can see on the first page of that report, there are a couple of investments that are underperforming a little bit.\n\nAre you comfortable with me going back and maybe having a look at your super and maybe switching up the portfolio, making sure it's working harder for you, maybe a bit more of a lower cost portfolio, and maybe changing up some of those investments there for you? Fantastic. Absolutely. Well, I can definitely have a look at that for you. I know you can sort of see there that Bannalong Australian Equities is the main one that is down.\n\nThat one there has been underperforming. And the idea of Bannalong, just to kinda give you a little bit of backstory there, Bennelong is an actively managed fund. So the investment manager within that fund is trying to outperform against the market. They have not been able to do so this year, so we are taking the step to remove that out of the portfolios. I do have a couple of options depending on your comfort level.\n\nI can look to replace that with another active manager, or I can just look at a low cost portfolio that might still have good returns. Did you want me to sort of replace it with a like for like, like another active manager, or are you just sort of wanting to reduce the cost of the portfolio and make it work a bit harder to kinda replenish it? I can do that for you. Absolutely. Yeah.\n\nYeah. No. No. Completely understandable. And that's one of the things that is really important to me as well as an adviser is that I do work in your best interest.\n\nIt is, you know, what we do, making sure that we are here to meet your goals and that any advice that is provided is done so in accordance the best interest duty and section out of the corporations that. So I will make sure I look after you. What I can absolutely do for you is go back. I'll review the sofa, the investments, how it is invested between, obviously, Team Super and Hub twenty four. Make sure you're in line with your, you know, asset allocation within your comfort level, but also look at the fees, the costs, and the capital gains consequences for making changes.\n\nSo one of the things a lot of people don't realize is that your super fund, just like you, Your super fund also pays income tax and capital gains tax. So when we are looking at switching out the portfolios, we also take, you know, fees and tax consequences into effect. And I can look at, you know, trying to manage as much of those costs and changes as possible. And I can make the recommendation and show you what that looks like in the statement of advice. Are you comfortable with that?\n\nYes. Fantastic. Well, I've got some really good ideas of what I wanna do. So I'll make sure I do that for you, and we'll come back in a couple of weeks and show you the recommendation. The next thing I kinda wanted to talk to you about was the insurance side of things.\n\nSo I know last year, we were going back and trying to have a look to see whether we could get new cover, and I know you had been denied cover in the past by the insurer. So where we were kind of at was going to we got the authority signed from you, and we had that sent to your doctor's office to see if we could obtain that, information from them. We did eventually get the letter. It took a bit of time, but we did eventually get the letter from them. Now it does essentially say that there was a decline, and it does give the reasoning behind doing so.\n\nIt's obviously quite sensitive information. But did your doctor ever show you this letter or give you any of this information in the past? No. That's no. That's okay.\n\nSo yeah. Yeah. So, essentially, with the letter, the outcome of what it says here and I'll are you happy for me to read that information to you? Yeah. Beautiful.\n\nSo it does note here that Zurich and OnePath had essentially looked at providing the insurance application. It says here in the reason for the decision or the decline was that when they look at an insurance application, they take into account several different considerations or factors. They've taken into consideration the amount of cover applied for your occupation, your age, your smoker status and history, mental health records as well. It's also got here obesity, gastric surgery, and then it's also got here that they also considered talking to account hepatitis c and recreational drug and substance use. They've all a long time ago.\n\nYeah. Yeah. No. They also note down here that they also took into account some memory issues, some back pain, and it says here that they found or there was a record of assault and or coma. Have you had anything in the past where you were in in a in a coma or had a head injury of some sort?\n\nOkay. Okay. So, essentially very long time ago. Yeah. Okay.\n\nNo worries. So that's essentially the reason in 2024 for why they declined the the cover. It was basically a combination of the recreational substance abuse, so the drug use that was disclosed. They kind of also linked that to the mental health, and then they also noted that there was memory issues and the fact that you were in a coma in the past and then, obviously, the back pain. So all of those things that coincided together increased the risk of the application and would have resulted in more than three exclusions and or loadings on the policy.\n\nSo in that instance, it's a straight decline. I had a look at some other options and providers. There may be an option down the track, but I would need to reassess everything from start to finish for you. I know it's probably not preferable. I'm very sorry to have to do this.\n\nI would need to I wanna kinda get the best options. Yeah. Was that with the team super that you're talking about with that life cover? Do you? Yeah.\n\nYeah. Okay. That's that's not a small amount. That's a good amount of cover. Yeah.\n\nAbsolutely. No. Every absolutely. Yeah. Perfect.\n\nYeah. Yep. Yeah. Absolutely. And I think with with the application that we were going through originally, it wasn't just for life cover.\n\nIt was also about disability cover as well. And the risk on the disability cover is absolutely higher than the life for a lot of what has been disclosed in the past. So I can sort of see that's where the risk factor laid with the insurer and why that decline kinda came through. So I am really apologetic that that didn't that we weren't able to have this conversation earlier with you. I wanna make sure that moving forward that we don't kind of miss these things and that we are more on top of things with you, definitely.\n\nIt did take a lot longer to get this report from the doctor's office, and we certainly had anticipated as well. It kinda came through early this year. They were sort of holding back on providing it. We followed up a few times there as well. So it is good that we now have a base.\n\nIt's all good. Essentially, it is good that we've kinda got this base now for you. You do have that life cover. Who is that life cover through? What's the insurer that you got it through?\n\nSorry. I'm asking all the tough ones, aren't I? That's okay. Does is it, like, one of the ones that you see on the television, like insurance line or real insurance, or is it sort of one of the big name insurers? Yep.\n\nYes. Yeah. Yep. Yep. Yeah.\n\nDefinitely. And and I mean, in yeah. Sorry. You're right. Direct cover.\n\nBeautiful. And who does it say on that email who the underwriter is of the policy? It would say underwritten by, like, Zurich or AMP or Zurich or OnePath or Tal or, like, another insurer or Suncorp. Hallmark, a life insurance company. Okay.\n\nI can have a look at that for you. Yeah. You're absolutely fine. I'm having a look at them now to see who their underwriter is. Yep.\n\nYep. So that's the yeah. So it yeah. Yeah. So it is just saying that Hallmark is the underwriter of the policy.\n\nPerfect. Yep. No. All good. Perfect.\n\nThank you so much for that. Excellent. So you've got the life in cover you've got the life cover there now with the 800,000 of cover, which is fantastic. With your team, Sophie, you still also do have a 100,704 and $30 there with life cover as well. So, theoretically, if you were to pass away today based on your current circumstances, you've got 800,000 of life cover there plus a $107.00 $4.30 plus your super balance 12 74.\n\nYeah. It works out to do that 969,548 and 75¢. They're between all three because if you were to pass away today, we could claim on the two types of life cover as well as your super benefit and have all that paid out. Now in saying that, what where is it that you want to have that money paid to? What's important to you to have your life insurance cover?\n\nRight. Yep. Absolutely. Now you've made mention you've got a nonbinding beneficiary nomination on that policy. Do you understand how those nominations work and what nonbinding means?\n\nMhmm. So is it maybe binding, nonlapsing or binding, lapsing? Yep. That's okay. I just want to clarify that because nonbinding is something very different.\n\nNonbinding nominations essentially don't bind the trustee of the insurance company to follow the direction. Essentially, they can then look at your nomination. They take that into account, but they make the call. Whereas if it's binding binding beautiful. Excellent.\n\nSo perfect. That's exactly right. And that's how we wanna make sure it is on your super as well with your team super and and your hub 24. Did you it is. Yeah.\n\nIt is. I'm just double checking those now because we do a bit of an audit prior to the call. So on your hub 24, you have a binding non lapsing to Carol, so you'll start for a 100% of the benefit. And with your Team Super, you do also have a binding beneficiary nomination. It is lapsing.\n\nSo Team Super don't allow the non lapsing option at the moment. We every three years. So the next time it is due is, yep, in 2028. So we'll make sure that that in your review prior that we help you to organize and update that nomination. That way, it's all done, ready, and doesn't lapse for you.\n\nOkay? Excellent. Fantastic. Well, you've done a great job. Sorry to confuse you there.\n\nI'm so glad that we have that nomination correct. Yeah. Having that binding is always the best way. And, look, you know as well as I do those nominations can be painful to fill out all the time. So having it nonlapsing means that it stays in place permanently and that we always try to review these with you on a regular basis.\n\nSo if and when something was to happen and you wanted to change that nomination, you can let us know. We can have it updated to help you out. Okay? Now the other thing I wanted to ask is with the life insurance policy, you have this placed in force, obviously, I don't wanna go out there and cancel that, but I do wanna make sure that having us as your advisers means we can assist you with the policy as well. Are you comfortable if we add an authority to collect onto that policy?\n\nIt allows us to be able to call and help you to, a, you know, get quotes, understand the policy, and keep a record of that policy on file with everything else that we help and monitor for you. That's okay. Yep. Yeah. That's that's okay.\n\nThe main reason we try to sort of have the authority to collect on file, we can't make changes on your behalf. It's an authority to inquire only. It helps us to understand what you have available to you when we're assessing your total circumstances and helping you to meet your goals. So understanding what insurance you have, where, and when is a really important aspect. The other side of it is if we don't have an authority on the policy, which is absolutely fine if you choose not to do so.\n\nIt just means that we're gonna ask you every year what your current insured amount is and make sure that that's still in line with your goals because we have an obligation with everything else to make sure it's all correct and in line with your goals, and that's about making sure we understand your circumstances as a whole and taking into account all possible information to do that. So it's up to you. You don't have to add the authority on file. We try to make sure we can add those authorities to make sure we're assisting you and understanding what you have available to you to help you meet your goals. But if you choose not to, that's fine.\n\nWe'll just make sure as part of the annual review, it's here. We ask you how much your insurance policy is, and we might just ask you to provide a statement so we can kinda keep a record of that on file for you. Okay? Yeah. Yeah.\n\nYeah. That's okay. Yeah. Absolutely. Absolutely.\n\nNow you've got your life insurance fairly covered, which is fantastic because that is really important. In the event of you passing away, you wanna make sure Carol is looked after and your bills are paid. Fantastic. The other thing that you obviously were talking about down the track is disability cover. Now with your TPD or total permanent disability cover, do you understand what that covers, how it works, how it's paid?\n\nThe the TBD you have through super, it's disability insurance through super. No. That's okay. You're fine, honestly. So TBD pays out a lump sum or an income stream in the event that you're unable to ever go back to work again.\n\nIt's called total permanent disability cover. Inside your Team Super, you actually have that kinda cover. You have a 100,704 and $30 worth of cover there. Now the kicker with TBD is when it's held inside Super, you in order to meet the definition to claim it, basically, you have to be never able to go back to work again for any occupation for which you are educated, trained, or have worked. So it is a pretty hard definition to claim on.\n\nEssentially, if you were to claim on that policy and you were under the age of 60, unfortunately, there is tax applied if you then withdraw the full benefit amount. So tax and it's disgusting. I do not think it's correct in any way, shape, or form, but the tax on that could be up to 22% if you claim and take the amount fully out of super. So you withdraw the funds to your bank account. If you were to ever claim on that, we would help you to claim provide advice on how to limit the tax and how to use the funds so they last a bit longer.\n\nBut the main thing I kinda wanted to find out was if in the event that you were unable to ever go back to work again, so you were fully disabled and never able to work again, what kind of benefit would you need? Do you feel like that level of cover you have is fine, or would you wanna try and get something a little bit more? I know in the past, we have been declined for cover, but I'm happy to go back and try and reassess things wholly if you would like me to. I just wanted to find out your thoughts and make sure I'm giving you all the information around the product that you do have. Well, think of it this way.\n\nLike, if you were never able to go back to work again today, if you were just fully disabled and you couldn't go back to work again and you claimed all that $100,000 policy, we were also able to release your super. So you've got 56,000 in hub 24 and now 12,000 in team super there as well. It just sent does that have TBD as well? Yep. Beautiful.\n\nSo you've also got 800,000 of TBD attached to your life cover through that new insurance policy as well. Yep. Yeah. Yep. Right.\n\nSo paid yep. Absolutely. Perfect. So, realistically, you've got a fair amount of life and TPD there. You're fairly comfortable with that level of cover.\n\nThat's okay? Yep. Yep. Yeah. Yeah.\n\nWell, the good thing is if you sort of think about having the mortgage fully paid off, if you're paying, you know, $4.05, or $600 a week in mortgage repayments, if you've then taken that money and you've paid the mortgage 900. Sorry. If you've paid the mortgage off, that's $900 extra that's in your pocket. So, theoretically, your living expenses should decrease, which means you should be able to live on a little bit less than what your actual income is in the event of claiming on one of those covers. Yeah.\n\nYeah. Absolutely. Perfect. Excellent. Well, I'm glad that we've got that kinda covered for you for the moment.\n\nThe other type of insurances that you don't seem to have that I'm aware of is income protection. Do you have much in the way of sick leave, annual leave, or things to fall back on if you are not at work in a short term? Yep. Yep. Yep.\n\nAnd eighty days of sick leave. Yep. That's okay. We could go back and see if we can find and are able to get maybe some income protection cover for you. Or do you feel like you need income protection?\n\nAre you fairly comfortable like, how would you sort of cover the bills and expenses if you were not able to go to work in the short term outside of that sick leave and annual leave? You couldn't? Does does your does Carol work? Is she earning an income? Oh, okay.\n\nShe's your partner, but not not married. Okay. No. That's, like, yeah, no. That's absolutely fine.\n\nThat's not a problem at all. I just didn't wanna sort of put my foot in or say anything wrong, but want to make sure I understand you're right. Yeah. It's okay. Yeah.\n\nYes. That's absolutely fine. Family is still important. It sounds like you have a really good, you know, quality of life with your family, and you guys get along really well. Yeah.\n\nOh, look. Even married couples don't get on that well sometimes. No. Oh oh, good. Fantastic.\n\nDid you want me to see if I could maybe obtain a bit of income protection for you? It does mean I would have to go back and, you know, look at your circumstances and reassess your medical history and see what's available to you. Or how do you feel about income protection? Would you like me to do that? I'm more than happy to do so.\n\nYep. Yep. Perfect. Into that. No worries at all.\n\nNow there's a couple of things to take into account when we look at income protection. The first one is obviously the benefit amount. So the most you can technically cover yourself for with income protection is up to 70% of your pretax disability income. Did you want me to try and cover you for the maximum of your income that we can, the 70%, or do you feel like maybe a lesser benefit would be comfortable before tax? Yeah.\n\nPre disability, pretax income. Yeah. The higher amount? Yep. So the 70 percent is the max benefit?\n\nAbsolutely. Not a problem. The other side of it is they also have what's called a waiting period. It's how long you have to be off work prior to you actually making a claim. Generally, a benefit period can start at thirty days, be up to sixty days, or ninety days.\n\nThe longer the waiting period that you the longer you have to wait for a claim means the cheaper the policy can be. So, obviously, a thirty day waiting period makes the policy more expensive. Do you think you would need to have the earliest waiting period near try to claim within thirty days, or do you think you'd be happy with something longer to try and make the policy cheaper? No. That's okay.\n\nSo thirty days would have to be the lowest that we can do. So we try and get a thirty day waiting period. Yeah. Absolutely. Not a problem.\n\nAnd then we also have what's called a benefit period. This is how long you can be on a claim for. It is tough cause you never know if you're gonna be on a claim. Generally, claims can go for two years, five years, or up to age 65 with income protection policies. Did you wanna look at maybe a longer benefit period for the risk that you may be on a claim longer?\n\nYeah. The most expensive benefit period is age 65. Did you wanna look at five years sort of a happy medium? Yeah. Yep.\n\nFive years to start with. Beautiful. Five years benefit period. Excellent. And the income Yeah.\n\nYep. Okay. Perfect. And income wise, I've got you earning. So the last conversation, you were on about 150,000 per annum.\n\nIs that still fairly accurate income wise? $1.60? Yep. Perfect. Update that for you.\n\nYep. Okay. Perfect. And are you managing to save much on out of your income once they everything's kinda going to expenses? Yep.\n\nYep. Nope. That's understandable. All good. We can it's life is extremely expensive at the moment, you there's so many people in the same boat.\n\nAlright. And it's gone. Sounds right. Yep. Understandable.\n\nAll good. When I'll go back and have a look at sort of what kind of contracts might be on offer, I will need my team to maybe touch base over the next couple of days and or, you know, next week or so and do a bit of a pre assessment with you just to kind of get a gauge on the health history that, a, we may have, but, b, anything additional that I may need to understand so I can go out there to all the different insurers. I do what's called a blind pre assessment. They don't know anything about you other than that, you know, you're a male of a certain age, and then I have all these, you know, your health basically written down on a pre assessment system. I send that out to the insurers, and they come back and tell me what kind of contracts they might offer.\n\nThere is a risk depending on what is disclosed. They may decline to offer income protection. If there is if there is that option, we can also look at other things. So one of the things I do try to work on with clients who are unable to get additional disability cover is to look at building wealth outside of super, set up saving plans as well to kind of, you know, save money to provide a bit of an offset. I can also go back to Team Super and see what their income protection policy looks like, have a look at their income the application process, and see if I can maybe get something through through Team Super for you as well.\n\nSo I'll kinda run all those avenues. I won't let it run as long as it did last year, and I'll make sure that we get you booked back in to have your advice presentation in a couple of weeks as well. Is that okay? Yep. Beautiful.\n\nExcellent. But I just wanna make sure I'll try to be open and honest and let you know, look, I'll go out there and do all the work, but there is a risk of a decline. If it comes back that I'm not able to get any kind of cover, I'll come back with some different options as part of the advice and show you, you know, let you know that this is what the outcome is. But these are things that we can do down the track for you to assist you to kinda close that gap with the risk. Is that alright?\n\nYeah? Beautiful. Excellent. All good. Now there are other types of cover that you can hold.\n\nNow the other thing I just forgot to ask before, sorry, with your wife and TPD, with that new insurance policy, is that paid out of pocket, or are you having that paid out of your super funds? Out of pocket. Okay. Beautiful. How much are they charging you for that at the moment on a monthly basis?\n\nOkay. Fantastic. That's not bad at all per month. Excellent. And with the income protection side of things, you can hold that inside super the same as your other funds.\n\nYou can also pay some of it out of your back pocket. Did you want it all to be structured inside super, or did you were you okay if I recommended a little bit? Sorry. You're right. Through Super.\n\nYeah. Absolutely. You know, we don't wanna eat away all of you. Yeah. You're already utilizing all of your income for bills and expenses.\n\nWe don't wanna overextend you too much. Absolutely. Beautiful. Because of the way everything is at the moment with, obviously, your bills and expenditure, looking at more cover outside of Super isn't really an option. And do you feel like making additional contributions to super to kind of build it back up again is sort of off the cards at the moment?\n\nWould you be open to doing that, and how do you feel? No. No. That's okay. Not a problem.\n\nAll good. I'll make sure that we we can sort of focus on things like that down the track as well if you're comfortable too. I'll sort of reassess it with you moving forward. Is that okay, Chris? Yeah.\n\nBeautiful. Moving forward. Excellent. I've got down here so assets I've got down here, your main primary residence. Last valuation we have was about 680,000.\n\nWould you say that's gone $7.50? Beautiful. Have you had it valued recently? Or oh, fantastic. Excellent.\n\nExcellent. Did you get a better rate? Yep. Beautiful. I know.\n\nI look at my mortgage rates these days and go, oh my god. It's horrendous. Try to keep refinancing, but then it keeps going up again. It's one of those things, isn't it? That's it.\n\nThe mortgage on the property, we had about 517,000. What do you owe on the property at the moment? 600. Beautiful. And then other assets that's okay.\n\nOther assets, I had your car down as well with an asset value of 50,000. How would you value your car currently, do you think? I'm not gonna lie. It does actually say it just says car. Which car would you value that?\n\nYeah. 55? Beautiful. Yep. That's it.\n\nYep. Beautiful. Fantastic. Do you have loans on either of those vehicles? That's a high end.\n\nYep. Beautiful. I'll just update that for you. And how much do you have on the Hyundai? How much do you owe?\n\nSorry. 35. Yep. Beautiful. Excellent.\n\nAnd any other assets you'd note down? Any other shares or assets of anything or any other valuables? Yep. That's okay. Not a problem at all.\n\nNow I've confirmed that your beneficiary nominations are all in line and appropriate there. Wills and power of attorneys, have you spoken to your partner and your kids, and have you ever spoken to a solicitor about maybe getting a will or power of attorney and join this visa. Yep. Yep. Yeah.\n\nOh, I'm so sorry. Oh, I'm so sorry. Yeah. No. It's one of the things I am learning as I get older.\n\nI'm in my forties now, and it is a factor of life that, unfortunately, we end up to go into more funerals and things like that. But it's also, unfortunately, a factor of my job that we do have a lot of these conversations and kind of reiterating the importance of having a will and a power of attorney set up to make sure that your wishes are adhered to. A power of attorney, especially having an enduring power of attorney to, you know, make sure that you've got someone nominated to act on your behalf in the event that you can't is really important to do so. So I know will kits can be a little bit difficult as much as they are cheaper. Having a solicitor, obviously, is a the best option, but there are other options out there.\n\nSo every state does have, like, a local trustee that can put you in contact with someone to do up a simple will fairly simply, and they are done by solicitors, and they are legal wills. If you wanted to, you're in Victoria. I could find the local one for you and email that information through if you like. Yeah. Beautiful.\n\nJust so you've got a bit of information around who to contact, how it works, and then you can kinda go from there to make it a bit easier on you. No. That's okay. Not a problem at all. I'll get that email drawn up for you.\n\nIt's not a problem. When we're sort of looking at the advice moving forward, we originally had here that, realistically, you were hoping to retire around about the age 67. Now you are still really young. You have a lot of time on your side. You reckon you'll be working longer?\n\nYep. For save goals wise, did you want me to work on 67? Because that is the age at the moment that you're able to access the age pension. Look. I'm the same age as you, so I hope we could still have the age pension.\n\nBut yeah. Age of 70? Absolutely. I can do that for you. Beautiful.\n\nWith the advice, I only factor in the next five to ten years currently, because, realistically, there's a lot of changes that could happen in your life in that time frame. But in the back end, we do kind of look a bit deeper and find out where we're sort of tracking longer term. That's absolutely fine. We originally had here that you were hoping to draw about a thousand dollars a week income in retirement from your super. I know down the track that could absolutely change.\n\nThat is in today's dollars, which could be needs to be a lot higher down the track. But do you still feel a thousand dollars would be, you know, what you'd hope to draw down income wise in today's dollars in the future? Yeah. Yeah. That's okay.\n\nThat's okay. What you kinda tell us now just gives us a base for a goal on how we're sort of tracking forward. However, when you actually get to the years that you decide you wanna retire, we'll look a lot deeper at what you actually need to draw down, look at how we draw that down, whether we can incorporate Centrelink, and what other advice we provide to make sure it lasts as long as possible for you. Okay? At the moment, it's just giving us a base for a goal, and we know that can absolutely change due to so many factors down the track.\n\nOkay? Excellent. All good. There just to kind of recap, so I'm gonna go back and review the super for you. Also, have a look at the underlying investments there.\n\nI'll check your risk profile shortly to make sure that everything is in line with that correctly. We're happy to retain the insurances at the moment, but I'll look at trying to get you some income protection to make sure it's paid for inside super. We're not looking at any new cover outside of super. Not looking at any additional contributions at the moment to kinda limit the expenses on your cash flow. And estate planning, we're just making sure that your will and power of attorney get done up in the future, and you're happy with your beneficiaries as they are.\n\nDoes that sound correct? Have I missed anything? Perfect. Do you have any other goals that you're sort of looking to achieve down the track that you might, you know, be wanting us to sort of help with further down the track? Can be anything.\n\nThat's okay. No. That's okay. All good. Not a problem at all.\n\nAnd just sort of looking at your home loan, you're sort of are you hoping to have that paid off by the time you get to those retirement years? Is that kind of your goal with your home loan? It is. It is. It sometimes feels a lot harder than it seems, but absolutely Yeah.\n\nAbsolute absolutely. It is a realistic factor these days, though, that a lot more people are retiring with still a home loan. I know for yourself, you've got a bit longer ahead of you. You're only 42 this year. So, realistically, you've got time to pay that down.\n\nBut there are a lot more retirees, especially baby boomers, who are retiring, who still have a mortgage, and I have to factor in that into their retirement income drawdowns, or they're using more of their super to pay that off as well. So it's not not as easy as it was about thirty odd years ago. We are finding it it is a lot different now. Yeah. The last thing I wanna do really quickly is just your risk profile questionnaire.\n\nI have answered most of the questions for you. The main one I need to answer real really quickly is if you saw your super full by, say, 20% over the next one to two years due to what was happening generally in the market, how do you think you might react? Do you think you'd be wanting to put more money in, take advantage? Yeah? Or I probably would tell you.\n\nI'm a little bit too honest, So I'd probably tell you in the end review if I'm honest with you. That's yeah. Yeah. Okay. Yeah.\n\nThat's yeah. That's absolutely fine. So I'll just tick the box and that you'd probably speak to us. Absolutely. When you think about your super I know it's not obviously the biggest priority for you at the moment, but when you think about your super, are you happy taking on more risk in the market to try and get those greater potential returns knowing there is a downside as well, or are you a little bit more nervous about the risk level that you're taking?\n\nYep. That's absolutely fine. Not a problem at all. That's easy done. So, look, realistically, at the moment, you are in that growth kind of environment there.\n\nFor your age and stage, the growth portfolio does suit you. It does suit someone who's not gonna access super for the next six years. Given your age and stage, most people of yours and my age would be in that kind of environment there. You see 80% invested in those growth assets to try and get greater potential growth. So thinking Australian international shares, listed property, and some gold and silver here and there as well, and then still having some of those low risk defensive investments to kinda mitigate long term ups and downs.\n\nYou can expect a negative return around about one in every five years is the expectation. And the growth portfolio, we wanna try and achieve around about seven to 9% on an average basis compounding forward. Do you like, realistically, you're in that kind of environment and you can stay in that environment. It suits your time horizon. You're not accessing super, you can wade through the down times before you're gonna draw anything out under legislation.\n\nI would be happy to keep you in that portfolio. Do you feel like that is your comfort level? Does any of what I've just said concern you in any way? No. Beautiful.\n\nExcellent. Does any of what I does all of that kinda make sense? Do you have any questions? No? All good.\n\nPerfect. Well, what I'll do is I'll go back and have a look at everything for you. I do need to book in a really quick pre assessment with one of my colleagues. Is there a day maybe this week or next week that would suit you in the afternoon or whatever time suits you to kinda go through a quick pre assessment with my team? That's okay.\n\nTomorrow, it does look we like, we are fully booked. I could do next Monday. Uh-huh. Yep. Absolutely.\n\nWe can do that. Not a problem at all. So 10AM, Monday for the pre assessment. Beautiful. Thank you so much for that, Christopher.\n\nOnce my team members have done that pre assessment with you, they'll your SOA presentation for a couple of weeks. And in the meantime, I'll go back and do that research just so we have those, you know, dates flagged for you so you know we are kinda coming back and not sort of missing on anything for you. Okay? Excellent. Thank you so much for that.\n\nNow I have got the email there and sent that through with your ongoing service agreement. It does just have your ongoing service fee, which is 1.65% as it has been in the past. Because your balance is lower now, your ongoing service fee is expected to be lower. So for the year, we do expect the fee to be about $972.63, which is paid out of Hub twenty four. So if you're happy with staying on board, I'll just get you to sign and return that back for me, and I'll see what I can do about making you super work harder and, you know, getting you some insurances and seeing what we can do to help you out.\n\nAlright? Thank you so much for your time. I really appreciate it. I know you're at work, so I hope you have a good afternoon or a good evening, good night. Thanks, Christopher.\n\nI'll talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Christopher.","start":3.1999998,"end":4.0,"sentiment":"neutral","sentiment_score":0.32706399261951447},{"text":"This is Dana from Okie Financial.","start":4.0,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.30761006474494934},{"text":"How are you this afternoon?","start":5.92,"end":7.06,"sentiment":"neutral","sentiment_score":0.3219067007303238},{"text":"I'm very well.","start":8.96,"end":9.84,"sentiment":"positive","sentiment_score":0.6076210538546244},{"text":"Thank you.","start":9.84,"end":10.24,"sentiment":"positive","sentiment_score":0.6680013537406921}],"sentiment":"positive","sentiment_score":0.4037882081336445,"num_words":18,"start":3.1999998,"end":10.24},{"sentences":[{"text":"Thank you for asking.","start":10.24,"end":11.28,"sentiment":"positive","sentiment_score":0.6189583390951157},{"text":"I had you booked in to go through your annual review.","start":11.28,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.2304502481764013},{"text":"Is now still a good time there for you?","start":13.5199995,"end":15.645,"sentiment":"neutral","sentiment_score":0.23055140674114227},{"text":"Fantastic.","start":17.485,"end":17.985,"sentiment":"positive","sentiment_score":0.4957658052444458},{"text":"Kristin, as part of the the call, we normally email through your documents to go through with us.","start":18.925001,"end":23.405,"sentiment":"neutral","sentiment_score":0.1705995566315121}],"sentiment":"neutral","sentiment_score":0.24772805980471677,"num_words":43,"start":10.24,"end":23.405},{"sentences":[{"text":"Are you able to access your emails?","start":23.405,"end":25.485,"sentiment":"neutral","sentiment_score":0.05067784179534231},{"text":"It sounds like you're traveling a little bit.","start":25.485,"end":27.325,"sentiment":"neutral","sentiment_score":-0.03772347164340317},{"text":"Sorry.","start":27.325,"end":27.825,"sentiment":"neutral","sentiment_score":-0.0065864622592926025},{"text":"Yeah.","start":32.5,"end":33.0,"sentiment":"neutral","sentiment_score":0.09764492511749268},{"text":"That's absolutely fine.","start":33.22,"end":34.68,"sentiment":"neutral","sentiment_score":0.21143930157025656}],"sentiment":"neutral","sentiment_score":0.038916674349457024,"num_words":20,"start":23.405,"end":34.68},{"sentences":[{"text":"Excellent.","start":45.155003,"end":45.655003,"sentiment":"positive","sentiment_score":0.451767235994339},{"text":"I can hear you loud and clear.","start":46.115,"end":47.475002,"sentiment":"positive","sentiment_score":0.3349297983305795},{"text":"Now before I jump into the call, just to let you know, moving forward, we do record our calls for quality and training purposes.","start":47.475002,"end":52.355003,"sentiment":"neutral","sentiment_score":0.14059899685283503},{"text":"Are you happy for me to proceed with that?","start":52.355003,"end":54.455,"sentiment":"neutral","sentiment_score":0.1827059868309233},{"text":"Fantastic.","start":56.13,"end":56.63,"sentiment":"positive","sentiment_score":0.5157957077026367}],"sentiment":"neutral","sentiment_score":0.1983524128085091,"num_words":42,"start":45.155003,"end":56.63},{"sentences":[{"text":"And just to do a quick security check there with you as well, we are discussing your personal information.","start":56.77,"end":60.93,"sentiment":"neutral","sentiment_score":0.21028433544071098},{"text":"So I'll just confirm your full name, your date of birth, and address I should have on file there for you.","start":60.93,"end":65.35,"sentiment":"neutral","sentiment_score":0.14705009616556622},{"text":"Yeah.","start":67.25,"end":67.75,"sentiment":"neutral","sentiment_score":0.016877761110663414},{"text":"Yep.","start":68.85,"end":69.135,"sentiment":"neutral","sentiment_score":0.026051022112369537},{"text":"Beautiful.","start":71.855,"end":72.355,"sentiment":"positive","sentiment_score":0.47862708568573}],"sentiment":"neutral","sentiment_score":0.176860703761841,"num_words":43,"start":56.77,"end":72.355},{"sentences":[{"text":"Thank you so much for that.","start":72.575005,"end":74.195,"sentiment":"positive","sentiment_score":0.6086156268914541},{"text":"I've just sent you the email there with your annual review documents.","start":74.255005,"end":77.215004,"sentiment":"neutral","sentiment_score":0.2715116615096728},{"text":"Are you able to jump into your emails?","start":77.215004,"end":79.215004,"sentiment":"neutral","sentiment_score":0.12319126538932323},{"text":"If you can't, it's honestly okay.","start":79.215004,"end":81.155,"sentiment":"neutral","sentiment_score":-0.01200322744747003},{"text":"Yep.","start":83.055,"end":83.455,"sentiment":"neutral","sentiment_score":0.20265154540538788}],"sentiment":"neutral","sentiment_score":0.24321200009999852,"num_words":33,"start":72.575005,"end":83.455},{"sentences":[{"text":"Fantastic.","start":83.455,"end":83.955,"sentiment":"positive","sentiment_score":0.4723648428916931},{"text":"The email should come through from OdooSign and or Dana.","start":84.99,"end":87.95,"sentiment":"neutral","sentiment_score":0.3205479711294174},{"text":"Hopefully, it pops through fairly quickly there for you.","start":87.95,"end":90.77,"sentiment":"positive","sentiment_score":0.4379449089368184},{"text":"Legend.","start":95.31,"end":95.81,"sentiment":"neutral","sentiment_score":0.1865601986646652},{"text":"And how's your day been so far?","start":95.87,"end":97.89,"sentiment":"neutral","sentiment_score":0.1468873449734279}],"sentiment":"neutral","sentiment_score":0.31550429814628195,"num_words":28,"start":83.455,"end":97.89},{"sentences":[{"text":"Yeah.","start":104.085,"end":104.585,"sentiment":"neutral","sentiment_score":0.08650051057338715},{"text":"Yeah.","start":105.205,"end":105.525,"sentiment":"neutral","sentiment_score":0.07287435233592987},{"text":"You work afternoon or evening shift, don't 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you?","start":115.99,"end":117.689995,"sentiment":"neutral","sentiment_score":0.03687376777331034}],"sentiment":"neutral","sentiment_score":0.21038128659129143,"num_words":20,"start":112.15,"end":117.689995},{"sentences":[{"text":"Not yet?","start":117.99,"end":118.81,"sentiment":"neutral","sentiment_score":-0.05440996214747429},{"text":"Yep.","start":125.189995,"end":125.689995,"sentiment":"neutral","sentiment_score":0.08159913867712021},{"text":"Yep.","start":125.795,"end":126.115,"sentiment":"neutral","sentiment_score":0.0969114750623703},{"text":"Can see that's come 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a couple of people kinda teach telling me sort of how it goes and how everything goes over the six months.","start":144.15,"end":153.67,"sentiment":"neutral","sentiment_score":0.07246071072976763}],"sentiment":"neutral","sentiment_score":0.07473564639687538,"num_words":50,"start":135.555,"end":153.67},{"sentences":[{"text":"Have they given you kind of a breakdown of what to expect, like, how the process goes of getting those implants in?","start":153.67,"end":159.61499,"sentiment":"neutral","sentiment_score":0.035229325463826004},{"text":"Yep.","start":166.47499,"end":166.97499,"sentiment":"neutral","sentiment_score":0.06142159551382065},{"text":"Yep.","start":171.03499,"end":171.51,"sentiment":"neutral","sentiment_score":0.044185470789670944},{"text":"Yeah.","start":182.15,"end":182.65,"sentiment":"neutral","sentiment_score":0.017032135277986526},{"text":"Yeah.","start":183.11,"end":183.61,"sentiment":"neutral","sentiment_score":0.013446100056171416}],"sentiment":"neutral","sentiment_score":0.035043479301608525,"num_words":26,"start":153.67,"end":183.61},{"sentences":[{"text":"I didn't realize that it was such a process.","start":183.75,"end":185.93,"sentiment":"neutral","sentiment_score":-0.05211695325043467},{"text":"That's insane, isn't it?","start":186.395,"end":187.835,"sentiment":"neutral","sentiment_score":-0.05674595711752772},{"text":"Like, it's good that they kinda do it in steps and stages, I 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I hope that absolutely.","start":214.035,"end":216.775,"sentiment":"neutral","sentiment_score":0.023937896266579627},{"text":"Yeah.","start":217.795,"end":218.11499,"sentiment":"neutral","sentiment_score":0.02743463963270187},{"text":"No.","start":218.11499,"end":218.515,"sentiment":"neutral","sentiment_score":0.02687647379934788},{"text":"Definitely.","start":218.515,"end":219.015,"sentiment":"neutral","sentiment_score":0.08469393104314804},{"text":"Well, look, honestly, I hope that all goes well.","start":219.635,"end":221.795,"sentiment":"positive","sentiment_score":0.3457060671514935}],"sentiment":"neutral","sentiment_score":0.1982381841277375,"num_words":17,"start":214.035,"end":221.795},{"sentences":[{"text":"I wanna make sure I catch up with you moving forward to see how everything is going.","start":221.795,"end":225.495,"sentiment":"neutral","sentiment_score":0.31690371825414543},{"text":"I can definitely see that payment has come out of your super.","start":226.05,"end":228.93,"sentiment":"positive","sentiment_score":0.42332660406827927},{"text":"So it obviously has made an effect on your super balance there.","start":228.93,"end":232.39,"sentiment":"neutral","sentiment_score":0.041102833269784846},{"text":"Just to kinda give you just you're probably well aware, your super balance at the moment within half twenty four, we are sitting at 50,140 and 15¢ there.","start":232.77,"end":243.845,"sentiment":"neutral","sentiment_score":0.04512211659716235},{"text":"Within Team Super, we do have 12,704 and 30¢.","start":244.38501,"end":249.845,"sentiment":"neutral","sentiment_score":0.041252969298511744}],"sentiment":"neutral","sentiment_score":0.16458996527485156,"num_words":78,"start":221.795,"end":249.845},{"sentences":[{"text":"I did your next report, if you scroll along to the next document, is your performance report within Hub '24.","start":250.625,"end":256.68002,"sentiment":"neutral","sentiment_score":0.10655555743724107},{"text":"So it does show that that withdrawal has come out.","start":256.68002,"end":259.82,"sentiment":"neutral","sentiment_score":0.1295205108821392},{"text":"On the second page there, it does still show that you had over the past twelve months a 6.15% return net of fees.","start":260.12003,"end":267.24002,"sentiment":"neutral","sentiment_score":0.17260724370894226},{"text":"So your super has still made money.","start":267.24002,"end":269.66,"sentiment":"neutral","sentiment_score":0.30170289107731413},{"text":"That's obviously affected the you know, gonna have a a bit more of a effect down the track when you know, from this year to next year.","start":270.04498,"end":276.685,"sentiment":"neutral","sentiment_score":0.06184503353304333}],"sentiment":"neutral","sentiment_score":0.12848297707822132,"num_words":87,"start":250.625,"end":276.685},{"sentences":[{"text":"But we'll see what we can do to help you kinda boost your super and build that back.","start":276.685,"end":280.305,"sentiment":"positive","sentiment_score":0.41748884154690635},{"text":"But it is good that you're able to at least access that money for, you know, getting your dental work done.","start":280.60498,"end":285.75,"sentiment":"positive","sentiment_score":0.6598696907361349},{"text":"And it's good to see you still had a positive return net of fees as well.","start":286.37,"end":289.88998,"sentiment":"positive","sentiment_score":0.6248426027595997},{"text":"So I wanna make sure things keep working harder for you.","start":289.88998,"end":292.94998,"sentiment":"neutral","sentiment_score":0.18772283738309686},{"text":"When I look at how your super is invested, I can see on the first page of that report, there are a couple of investments that are underperforming a little bit.","start":293.25,"end":302.375,"sentiment":"neutral","sentiment_score":-0.008238683965417647}],"sentiment":"positive","sentiment_score":0.3420525392344625,"num_words":97,"start":276.685,"end":302.375},{"sentences":[{"text":"Are you comfortable with me going back and maybe having a look at your super and maybe switching up the portfolio, making sure it's working harder for you, maybe a bit more of a lower cost portfolio, and maybe changing up some of those investments there for you?","start":302.595,"end":315.31,"sentiment":"neutral","sentiment_score":0.018658993222440284},{"text":"Fantastic.","start":322.00998,"end":322.50998,"sentiment":"positive","sentiment_score":0.5378607511520386},{"text":"Absolutely.","start":327.085,"end":327.585,"sentiment":"neutral","sentiment_score":0.2623308300971985},{"text":"Well, I can definitely have a look at that for you.","start":328.285,"end":330.205,"sentiment":"neutral","sentiment_score":0.20384093577211554},{"text":"I know you can sort of see there that Bannalong Australian Equities is the main one that is down.","start":330.205,"end":334.465,"sentiment":"neutral","sentiment_score":-0.005117520616438828}],"sentiment":"neutral","sentiment_score":0.0480105082213413,"num_words":80,"start":302.595,"end":334.465},{"sentences":[{"text":"That one there has been underperforming.","start":334.845,"end":336.465,"sentiment":"neutral","sentiment_score":-0.07260288546482722},{"text":"And the idea of Bannalong, just to kinda give you a little bit of backstory there, Bennelong is an actively managed fund.","start":336.76498,"end":343.35,"sentiment":"neutral","sentiment_score":0.10071339424360883},{"text":"So the investment manager within that fund is trying to outperform against the market.","start":343.35,"end":347.19,"sentiment":"neutral","sentiment_score":0.11252730898559093},{"text":"They have not been able to do so this year, so we are taking the step to remove that out of the portfolios.","start":347.19,"end":352.01,"sentiment":"neutral","sentiment_score":-0.32126508070074994},{"text":"I do have a couple of options depending on your comfort level.","start":353.015,"end":356.315,"sentiment":"neutral","sentiment_score":0.10165957578768332}],"sentiment":"neutral","sentiment_score":-0.03654184753631617,"num_words":77,"start":334.845,"end":356.315},{"sentences":[{"text":"I can look to replace that with another active manager, or I can just look at a low cost portfolio that might still have good returns.","start":356.61502,"end":364.475,"sentiment":"neutral","sentiment_score":0.1231536464049266},{"text":"Did you want me to sort of replace it with a like for like, like another active manager, or are you just sort of wanting to reduce the cost of the portfolio and make it work a bit harder to kinda replenish it?","start":365.24002,"end":375.58002,"sentiment":"neutral","sentiment_score":0.026734841987490654},{"text":"I can do that for you.","start":380.04,"end":381.195,"sentiment":"positive","sentiment_score":0.49961986641089123},{"text":"Absolutely.","start":381.195,"end":381.695,"sentiment":"positive","sentiment_score":0.40721023082733154},{"text":"Yeah.","start":385.835,"end":386.335,"sentiment":"neutral","sentiment_score":0.17881223559379578}],"sentiment":"neutral","sentiment_score":0.10305629450489175,"num_words":77,"start":356.61502,"end":386.335},{"sentences":[{"text":"Yeah.","start":388.315,"end":388.815,"sentiment":"neutral","sentiment_score":0.15322913229465485},{"text":"No.","start":392.395,"end":392.895,"sentiment":"neutral","sentiment_score":-0.1921137571334839},{"text":"No.","start":394.13,"end":394.53,"sentiment":"neutral","sentiment_score":-0.12492772936820984},{"text":"Completely understandable.","start":394.53,"end":395.75,"sentiment":"neutral","sentiment_score":-0.03373148664832115},{"text":"And that's one of the things that is really important to me as well as an adviser is that I do work in your best interest.","start":395.81,"end":400.95,"sentiment":"neutral","sentiment_score":0.22690202410404497}],"sentiment":"neutral","sentiment_score":0.18284442900649964,"num_words":31,"start":388.315,"end":400.95},{"sentences":[{"text":"It is, you know, what we do, making sure that we are here to meet your goals and that any advice that is provided is done so in accordance the best interest duty and section out of the corporations that.","start":401.41,"end":411.365,"sentiment":"neutral","sentiment_score":0.20680439583957194},{"text":"So I will make sure I look after you.","start":411.365,"end":414.185,"sentiment":"neutral","sentiment_score":0.1379094272851944},{"text":"What I can absolutely do for you is go back.","start":414.405,"end":416.405,"sentiment":"neutral","sentiment_score":0.2425029918551445},{"text":"I'll review the sofa, the investments, how it is invested between, obviously, Team Super and Hub twenty four.","start":416.405,"end":423.09,"sentiment":"neutral","sentiment_score":0.14950822500718963},{"text":"Make sure you're in line with your, you know, asset allocation within your comfort level, but also look at the fees, the costs, and the capital gains consequences for making changes.","start":423.09,"end":432.44998,"sentiment":"neutral","sentiment_score":0.13524945657099446}],"sentiment":"neutral","sentiment_score":0.17428029445862328,"num_words":108,"start":401.41,"end":432.44998},{"sentences":[{"text":"So one of the things a lot of people don't realize is that your super fund, just like you, Your super fund also pays income tax and capital gains tax.","start":432.44998,"end":443.375,"sentiment":"neutral","sentiment_score":0.04329188379148642},{"text":"So when we are looking at switching out the portfolios, we also take, you know, fees and tax consequences into effect.","start":443.375,"end":449.795,"sentiment":"neutral","sentiment_score":0.08126154222658702},{"text":"And I can look at, you know, trying to manage as much of those costs and changes as possible.","start":450.27,"end":454.37,"sentiment":"neutral","sentiment_score":0.13344162584919678},{"text":"And I can make the recommendation and show you what that looks like in the statement of advice.","start":454.75,"end":459.23,"sentiment":"neutral","sentiment_score":0.202947945230537},{"text":"Are you comfortable with that?","start":459.23,"end":460.77,"sentiment":"neutral","sentiment_score":0.1027374729514122}],"sentiment":"neutral","sentiment_score":0.10438053946821921,"num_words":93,"start":432.44998,"end":460.77},{"sentences":[{"text":"Yes.","start":462.465,"end":462.86502,"sentiment":"positive","sentiment_score":0.4152755439281464},{"text":"Fantastic.","start":462.86502,"end":463.36502,"sentiment":"neutral","sentiment_score":0.14523988962173462},{"text":"Well, I've got some really good ideas of what I wanna do.","start":463.665,"end":465.98502,"sentiment":"positive","sentiment_score":0.8126653035481771},{"text":"So I'll make sure I do that for you, and we'll come back in a couple of weeks and show you the recommendation.","start":465.98502,"end":470.165,"sentiment":"positive","sentiment_score":0.6160296720007191},{"text":"The next thing I kinda wanted to talk to you about was the insurance side of things.","start":471.105,"end":474.70502,"sentiment":"neutral","sentiment_score":0.10345369161051862}],"sentiment":"positive","sentiment_score":0.48592396832450674,"num_words":54,"start":462.465,"end":474.70502},{"sentences":[{"text":"So I know last year, we were going back and trying to have a look to see whether we could get new cover, and I know you had been denied cover in the past by the insurer.","start":474.70502,"end":483.25,"sentiment":"neutral","sentiment_score":-0.03115988739237592},{"text":"So where we were kind of at was going to we got the authority signed from you, and we had that sent to your doctor's office to see if we could obtain that, information from them.","start":483.39,"end":495.055,"sentiment":"neutral","sentiment_score":0.03471136504473785},{"text":"We did eventually get the letter.","start":495.275,"end":496.875,"sentiment":"neutral","sentiment_score":0.06351452507078648},{"text":"It took a bit of time, but we did eventually get the letter from them.","start":496.875,"end":500.25497,"sentiment":"neutral","sentiment_score":0.02494900648792585},{"text":"Now it does essentially say that there was a decline, and it does give the reasoning behind doing so.","start":500.79498,"end":508.31,"sentiment":"neutral","sentiment_score":-0.07361823771344989}],"sentiment":"neutral","sentiment_score":-0.004838327086011393,"num_words":113,"start":474.70502,"end":508.31},{"sentences":[{"text":"It's obviously quite sensitive information.","start":508.77002,"end":510.79,"sentiment":"neutral","sentiment_score":-0.19653795659542084},{"text":"But did your doctor ever show you this letter or give you any of this information in the past?","start":511.41,"end":516.165,"sentiment":"neutral","sentiment_score":-0.09555783063957565},{"text":"No.","start":519.76495,"end":520.005,"sentiment":"neutral","sentiment_score":-0.21792230010032657},{"text":"That's no.","start":520.005,"end":525.445,"sentiment":"neutral","sentiment_score":-0.1764509230852127},{"text":"That's okay.","start":525.445,"end":526.245,"sentiment":"neutral","sentiment_score":-0.037962851114571095}],"sentiment":"neutral","sentiment_score":-0.1187944280561702,"num_words":29,"start":508.77002,"end":526.245},{"sentences":[{"text":"So yeah.","start":526.245,"end":529.70496,"sentiment":"neutral","sentiment_score":0.006612046621739864},{"text":"Yeah.","start":532.31,"end":532.81,"sentiment":"neutral","sentiment_score":0.08532080054283142},{"text":"So, essentially, with the letter, the outcome of what it says here and I'll are you happy for me to read that information to you?","start":533.03,"end":540.87,"sentiment":"positive","sentiment_score":0.43817449510097506},{"text":"Yeah.","start":540.87,"end":541.19,"sentiment":"neutral","sentiment_score":0.327566921710968},{"text":"Beautiful.","start":541.19,"end":541.69,"sentiment":"positive","sentiment_score":0.5600042343139648}],"sentiment":"positive","sentiment_score":0.398015947577854,"num_words":30,"start":526.245,"end":541.69},{"sentences":[{"text":"So it does note here that Zurich and OnePath had essentially looked at providing the insurance application.","start":542.325,"end":549.28503,"sentiment":"neutral","sentiment_score":0.09676514894646757},{"text":"It says here in the reason for the decision or the decline was that when they look at an insurance application, they take into account several different considerations or factors.","start":549.28503,"end":559.54,"sentiment":"neutral","sentiment_score":-0.04216252441207568},{"text":"They've taken into consideration the amount of cover applied for your occupation, your age, your smoker status and history, mental health records as well.","start":559.54,"end":568.245,"sentiment":"neutral","sentiment_score":-0.07635165999333064},{"text":"It's also got here obesity, gastric surgery, and then it's also got here that they also considered talking to account hepatitis c and recreational drug and substance use.","start":568.245,"end":579.625,"sentiment":"neutral","sentiment_score":-0.0746531845735652},{"text":"They've all a long time ago.","start":580.40497,"end":585.53,"sentiment":"neutral","sentiment_score":-0.19428185373544693}],"sentiment":"neutral","sentiment_score":-0.04484084124366442,"num_words":105,"start":542.325,"end":585.53},{"sentences":[{"text":"Yeah.","start":585.75,"end":586.25,"sentiment":"neutral","sentiment_score":-0.05344512686133385},{"text":"Yeah.","start":587.83,"end":588.33,"sentiment":"neutral","sentiment_score":-0.04778297618031502},{"text":"No.","start":588.79,"end":589.03,"sentiment":"neutral","sentiment_score":-0.143548384308815},{"text":"They also note down here that they also took into account some memory issues, some back pain, and it says here that they found or there was a record of assault and or coma.","start":589.03,"end":601.305,"sentiment":"neutral","sentiment_score":-0.14047895810183356},{"text":"Have you had anything in the past where you were in in a in a coma or had a head injury of some sort?","start":601.685,"end":608.185,"sentiment":"neutral","sentiment_score":-0.1434240909293294}],"sentiment":"neutral","sentiment_score":-0.1387416269691264,"num_words":61,"start":585.75,"end":608.185},{"sentences":[{"text":"Okay.","start":611.365,"end":611.865,"sentiment":"neutral","sentiment_score":-0.08274360746145248},{"text":"Okay.","start":611.925,"end":612.425,"sentiment":"neutral","sentiment_score":-0.0999058336019516},{"text":"So, essentially very long time ago.","start":612.81,"end":617.85004,"sentiment":"neutral","sentiment_score":-0.2280540938178698},{"text":"Yeah.","start":617.85004,"end":618.25,"sentiment":"neutral","sentiment_score":-0.07911916077136993},{"text":"Okay.","start":618.25,"end":618.73,"sentiment":"neutral","sentiment_score":-0.0634986162185669}],"sentiment":"neutral","sentiment_score":-0.169359178096056,"num_words":10,"start":611.365,"end":618.73},{"sentences":[{"text":"No worries.","start":618.73,"end":619.53,"sentiment":"neutral","sentiment_score":-0.09543096646666527},{"text":"So that's essentially the reason in 2024 for why they declined the the cover.","start":619.53,"end":624.65,"sentiment":"neutral","sentiment_score":-0.15218805255634443},{"text":"It was basically a combination of the recreational substance abuse, so the drug use that was disclosed.","start":624.65,"end":631.705,"sentiment":"neutral","sentiment_score":-0.20418367666356704},{"text":"They kind of also linked that to the mental health, and then they also noted that there was memory issues and the fact that you were in a coma in the past and then, obviously, the back pain.","start":632.325,"end":642.38,"sentiment":"neutral","sentiment_score":-0.2649426546535994},{"text":"So all of those things that coincided together increased the risk of the application and would have resulted in more than three exclusions and or loadings on the policy.","start":642.38,"end":652.64,"sentiment":"negative","sentiment_score":-0.4745899274431426}],"sentiment":"neutral","sentiment_score":-0.29623545944690705,"num_words":100,"start":618.73,"end":652.64},{"sentences":[{"text":"So in that instance, it's a straight decline.","start":652.77997,"end":655.2,"sentiment":"negative","sentiment_score":-0.4189811423420906},{"text":"I had a look at some other options and providers.","start":656.46497,"end":659.76495,"sentiment":"neutral","sentiment_score":-0.24232329279184342},{"text":"There may be an option down the track, but I would need to reassess everything from start to finish for you.","start":660.46497,"end":667.425,"sentiment":"neutral","sentiment_score":-0.22115591736066909},{"text":"I know it's probably not preferable.","start":667.425,"end":668.96497,"sentiment":"negative","sentiment_score":-0.5017692645390829},{"text":"I'm very sorry to have to do this.","start":669.105,"end":671.20496,"sentiment":"negative","sentiment_score":-0.5307608209550381}],"sentiment":"negative","sentiment_score":-0.3335105374736606,"num_words":53,"start":652.77997,"end":671.20496},{"sentences":[{"text":"I would need to I wanna kinda get the best options.","start":671.66003,"end":675.52,"sentiment":"neutral","sentiment_score":-0.1923622339963913},{"text":"Yeah.","start":689.59503,"end":690.09503,"sentiment":"neutral","sentiment_score":-0.03308432921767235},{"text":"Was that with the team super that you're talking about with that life cover?","start":690.395,"end":694.09503,"sentiment":"neutral","sentiment_score":-0.013688221573829651},{"text":"Do you?","start":697.03503,"end":697.775,"sentiment":"neutral","sentiment_score":-0.036152297630906105},{"text":"Yeah.","start":699.435,"end":699.84,"sentiment":"neutral","sentiment_score":-0.05697237700223923}],"sentiment":"neutral","sentiment_score":-0.0851717578439877,"num_words":29,"start":671.66003,"end":699.84},{"sentences":[{"text":"Yeah.","start":703.44,"end":703.94,"sentiment":"neutral","sentiment_score":-0.001858782023191452},{"text":"Okay.","start":707.36005,"end":707.86005,"sentiment":"neutral","sentiment_score":0.019584551453590393},{"text":"That's that's not a small amount.","start":715.2,"end":716.64496,"sentiment":"neutral","sentiment_score":0.017785597825422883},{"text":"That's a good amount of cover.","start":716.64496,"end":717.845,"sentiment":"neutral","sentiment_score":0.20035117119550705},{"text":"Yeah.","start":717.845,"end":718.165,"sentiment":"neutral","sentiment_score":0.12219703197479248}],"sentiment":"neutral","sentiment_score":0.09658289436871807,"num_words":15,"start":703.44,"end":718.165},{"sentences":[{"text":"Absolutely.","start":718.165,"end":718.665,"sentiment":"neutral","sentiment_score":0.14242957532405853},{"text":"No.","start":719.685,"end":720.005,"sentiment":"neutral","sentiment_score":0.0726960301399231},{"text":"Every absolutely.","start":720.005,"end":721.065,"sentiment":"neutral","sentiment_score":0.21164947003126144},{"text":"Yeah.","start":728.32495,"end":728.82495,"sentiment":"neutral","sentiment_score":0.12724438309669495},{"text":"Perfect.","start":731.47003,"end":731.97003,"sentiment":"positive","sentiment_score":0.4478061199188232}],"sentiment":"neutral","sentiment_score":0.20224584142367044,"num_words":6,"start":718.165,"end":731.97003},{"sentences":[{"text":"Yeah.","start":733.71,"end":734.21,"sentiment":"neutral","sentiment_score":0.12495897710323334},{"text":"Yep.","start":735.79004,"end":736.29004,"sentiment":"neutral","sentiment_score":0.09388359636068344},{"text":"Yeah.","start":740.27,"end":740.77,"sentiment":"neutral","sentiment_score":-0.0004648566246032715},{"text":"Absolutely.","start":745.805,"end":746.305,"sentiment":"neutral","sentiment_score":0.09889371693134308},{"text":"And I think with with the application that we were going through originally, it wasn't just for life cover.","start":746.605,"end":751.165,"sentiment":"neutral","sentiment_score":-0.005607235980661292}],"sentiment":"neutral","sentiment_score":0.009162345658177916,"num_words":23,"start":733.71,"end":751.165},{"sentences":[{"text":"It was also about disability cover as well.","start":751.165,"end":753.82495,"sentiment":"neutral","sentiment_score":-0.018818261800333858},{"text":"And the risk on the disability cover is absolutely higher than the life for a lot of what has been disclosed in the past.","start":754.32,"end":760.5,"sentiment":"neutral","sentiment_score":-0.1860364948709806},{"text":"So I can sort of see that's where the risk factor laid with the insurer and why that decline kinda came through.","start":760.64,"end":767.135,"sentiment":"neutral","sentiment_score":-0.19318925419991667},{"text":"So I am really apologetic that that didn't that we weren't able to have this conversation earlier with you.","start":767.135,"end":772.83496,"sentiment":"neutral","sentiment_score":-0.22054457703703328},{"text":"I wanna make sure that moving forward that we don't kind of miss these things and that we are more on top of things with you, definitely.","start":773.055,"end":779.315,"sentiment":"neutral","sentiment_score":0.18718537743444796}],"sentiment":"neutral","sentiment_score":-0.0800192733667791,"num_words":100,"start":751.165,"end":779.315},{"sentences":[{"text":"It did take a lot longer to get this report from the doctor's office, and we certainly had anticipated as well.","start":779.97,"end":785.25,"sentiment":"neutral","sentiment_score":-0.17988437981832595},{"text":"It kinda came through early this year.","start":785.25,"end":787.19,"sentiment":"neutral","sentiment_score":-0.2065049899475915},{"text":"They were sort of holding back on providing it.","start":787.73,"end":789.64996,"sentiment":"neutral","sentiment_score":-0.2326314217514462},{"text":"We followed up a few times there as well.","start":789.64996,"end":791.73,"sentiment":"neutral","sentiment_score":-0.110431303580602},{"text":"So it is good that we now have a base.","start":791.73,"end":794.505,"sentiment":"neutral","sentiment_score":0.19374487176537514}],"sentiment":"neutral","sentiment_score":-0.11380754850272622,"num_words":56,"start":779.97,"end":794.505},{"sentences":[{"text":"It's all good.","start":795.20496,"end":796.185,"sentiment":"positive","sentiment_score":0.4453537166118622},{"text":"Essentially, it is good that we've kinda got this base now for you.","start":796.725,"end":800.105,"sentiment":"positive","sentiment_score":0.5797664866997645},{"text":"You do have that life cover.","start":800.40497,"end":801.845,"sentiment":"positive","sentiment_score":0.356622281173865},{"text":"Who is that life cover through?","start":801.845,"end":803.365,"sentiment":"neutral","sentiment_score":-0.06370781610409419},{"text":"What's the insurer that you got it through?","start":803.365,"end":807.86,"sentiment":"neutral","sentiment_score":-0.043070306070148945}],"sentiment":"neutral","sentiment_score":0.28572082829972106,"num_words":36,"start":795.20496,"end":807.86},{"sentences":[{"text":"Sorry.","start":809.04004,"end":809.54004,"sentiment":"neutral","sentiment_score":-0.1259254813194275},{"text":"I'm asking all the tough ones, aren't I?","start":809.60004,"end":812.02,"sentiment":"neutral","sentiment_score":-0.19879991002380848},{"text":"That's okay.","start":838.91,"end":839.63,"sentiment":"neutral","sentiment_score":-0.08738217875361443},{"text":"Does is it, like, one of the ones that you see on the television, like insurance line or real insurance, or is it sort of one of the big name insurers?","start":839.63,"end":848.225,"sentiment":"neutral","sentiment_score":-0.027545460289524447},{"text":"Yep.","start":853.485,"end":853.985,"sentiment":"neutral","sentiment_score":-0.00846920721232891}],"sentiment":"neutral","sentiment_score":-0.06403413012103978,"num_words":43,"start":809.04004,"end":853.985},{"sentences":[{"text":"Yes.","start":869.98,"end":870.48,"sentiment":"neutral","sentiment_score":0.003270767629146576},{"text":"Yeah.","start":883.855,"end":884.355,"sentiment":"neutral","sentiment_score":0.0000703856348991394},{"text":"Yep.","start":892.27,"end":892.77,"sentiment":"neutral","sentiment_score":-0.018049603328108788},{"text":"Yep.","start":893.79,"end":894.29,"sentiment":"neutral","sentiment_score":-0.04930843040347099},{"text":"Yeah.","start":899.07,"end":899.57,"sentiment":"neutral","sentiment_score":0.111090786755085}],"sentiment":"neutral","sentiment_score":0.009414781257510187,"num_words":5,"start":869.98,"end":899.57},{"sentences":[{"text":"Definitely.","start":899.63,"end":900.13,"sentiment":"neutral","sentiment_score":0.23913052678108215},{"text":"And and I mean, in yeah.","start":901.505,"end":903.025,"sentiment":"neutral","sentiment_score":0.025551520908872288},{"text":"Sorry.","start":903.025,"end":903.34503,"sentiment":"neutral","sentiment_score":-0.04963293671607971},{"text":"You're right.","start":903.34503,"end":904.005,"sentiment":"neutral","sentiment_score":0.055584536865353584},{"text":"Direct cover.","start":904.465,"end":905.445,"sentiment":"neutral","sentiment_score":0.04021231643855572}],"sentiment":"neutral","sentiment_score":0.044533368510504566,"num_words":12,"start":899.63,"end":905.445},{"sentences":[{"text":"Beautiful.","start":905.98505,"end":906.48505,"sentiment":"neutral","sentiment_score":0.3279346525669098},{"text":"And who does it say on that email who the underwriter is of the policy?","start":906.865,"end":911.125,"sentiment":"neutral","sentiment_score":-0.010941664998730024},{"text":"It would say underwritten by, like, Zurich or AMP or Zurich or OnePath or Tal or, like, another insurer or Suncorp.","start":921.19995,"end":934.895,"sentiment":"neutral","sentiment_score":-0.02941167935551632},{"text":"Hallmark, a life insurance company.","start":953.98,"end":955.83997,"sentiment":"neutral","sentiment_score":0.02288095876574516},{"text":"Okay.","start":956.115,"end":956.435,"sentiment":"neutral","sentiment_score":0.07317906618118286}],"sentiment":"neutral","sentiment_score":-0.0061919006713947585,"num_words":43,"start":905.98505,"end":956.435},{"sentences":[{"text":"I can have a look at that for you.","start":956.435,"end":958.375,"sentiment":"neutral","sentiment_score":0.13016873018609154},{"text":"Yeah.","start":970.86,"end":971.36,"sentiment":"neutral","sentiment_score":0.07824988663196564},{"text":"You're absolutely fine.","start":971.98,"end":973.74,"sentiment":"positive","sentiment_score":0.35011720284819603},{"text":"I'm having a look at them now to see who their underwriter is.","start":973.74,"end":980.4,"sentiment":"neutral","sentiment_score":-0.002804224379360676},{"text":"Yep.","start":986.795,"end":987.295,"sentiment":"neutral","sentiment_score":0.003079473040997982}],"sentiment":"neutral","sentiment_score":0.0839535045540995,"num_words":27,"start":956.435,"end":987.295},{"sentences":[{"text":"Yep.","start":990.715,"end":991.195,"sentiment":"neutral","sentiment_score":0.0041811466217041016},{"text":"So that's the yeah.","start":991.195,"end":993.695,"sentiment":"neutral","sentiment_score":-0.01633973093703389},{"text":"So it yeah.","start":993.755,"end":997.295,"sentiment":"neutral","sentiment_score":-0.010560523718595505},{"text":"Yeah.","start":999.01,"end":999.41003,"sentiment":"neutral","sentiment_score":-0.007229761220514774},{"text":"So it is just saying that Hallmark is the underwriter of the policy.","start":999.41003,"end":1002.95,"sentiment":"neutral","sentiment_score":-0.005378302509108415}],"sentiment":"neutral","sentiment_score":-0.007727592823688279,"num_words":22,"start":990.715,"end":1002.95},{"sentences":[{"text":"Perfect.","start":1003.49,"end":1003.99,"sentiment":"neutral","sentiment_score":0.2358144968748093},{"text":"Yep.","start":1005.09,"end":1005.59,"sentiment":"neutral","sentiment_score":0.07339193671941757},{"text":"No.","start":1010.05,"end":1010.45,"sentiment":"neutral","sentiment_score":-0.003299061208963394},{"text":"All good.","start":1010.45,"end":1010.93,"sentiment":"neutral","sentiment_score":0.10601158440113068},{"text":"Perfect.","start":1010.93,"end":1011.41003,"sentiment":"positive","sentiment_score":0.4416987299919128}],"sentiment":"neutral","sentiment_score":0.15993821186323962,"num_words":6,"start":1003.49,"end":1011.41003},{"sentences":[{"text":"Thank you so much for that.","start":1011.41003,"end":1012.77,"sentiment":"positive","sentiment_score":0.6882939636707306},{"text":"Excellent.","start":1012.77,"end":1013.25,"sentiment":"positive","sentiment_score":0.6053692102432251},{"text":"So you've got the life in cover you've got the life cover there now with the 800,000 of cover, which is fantastic.","start":1013.25,"end":1018.925,"sentiment":"positive","sentiment_score":0.449510705741969},{"text":"With your team, Sophie, you still also do have a 100,704 and $30 there with life cover as well.","start":1019.225,"end":1027.11,"sentiment":"neutral","sentiment_score":0.18798926668731789},{"text":"So, theoretically, if you were to pass away today based on your current circumstances, you've got 800,000 of life cover there plus a $107.00 $4.30 plus your super balance 12 74.","start":1027.11,"end":1041.955,"sentiment":"neutral","sentiment_score":0.03562743925759869}],"sentiment":"neutral","sentiment_score":0.24431158484348767,"num_words":79,"start":1011.41003,"end":1041.955},{"sentences":[{"text":"Yeah.","start":1042.895,"end":1043.215,"sentiment":"neutral","sentiment_score":0.06880497932434082},{"text":"It works out to do that 969,548 and 75¢.","start":1043.215,"end":1048.255,"sentiment":"neutral","sentiment_score":0.062388257356360555},{"text":"They're between all three because if you were to pass away today, we could claim on the two types of life cover as well as your super benefit and have all that paid out.","start":1048.255,"end":1056.9,"sentiment":"neutral","sentiment_score":0.0913753290386761},{"text":"Now in saying that, what where is it that you want to have that money paid to?","start":1057.12,"end":1062.3201,"sentiment":"neutral","sentiment_score":-0.013713312390096048},{"text":"What's important to you to have your life insurance cover?","start":1062.3201,"end":1064.975,"sentiment":"neutral","sentiment_score":0.02349730543792248}],"sentiment":"neutral","sentiment_score":0.052521699560540064,"num_words":71,"start":1042.895,"end":1064.975},{"sentences":[{"text":"Right.","start":1070.4824,"end":1070.9824,"sentiment":"neutral","sentiment_score":0.029557736590504646},{"text":"Yep.","start":1090.33,"end":1090.83,"sentiment":"neutral","sentiment_score":0.13908903300762177},{"text":"Absolutely.","start":1090.97,"end":1091.47,"sentiment":"neutral","sentiment_score":0.14542542397975922},{"text":"Now you've made mention you've got a nonbinding beneficiary nomination on that policy.","start":1092.1849,"end":1097.405,"sentiment":"neutral","sentiment_score":0.07719796552107884},{"text":"Do you understand how those nominations work and what nonbinding means?","start":1098.1849,"end":1102.205,"sentiment":"neutral","sentiment_score":0.00999395176768303}],"sentiment":"neutral","sentiment_score":0.052873304251719405,"num_words":27,"start":1070.4824,"end":1102.205},{"sentences":[{"text":"Mhmm.","start":1111.64,"end":1112.14,"sentiment":"neutral","sentiment_score":-0.018967280164361},{"text":"So is it maybe binding, nonlapsing or binding, lapsing?","start":1113.8,"end":1118.7,"sentiment":"neutral","sentiment_score":-0.014928987249732018},{"text":"Yep.","start":1120.045,"end":1120.545,"sentiment":"neutral","sentiment_score":0.02003098465502262},{"text":"That's okay.","start":1120.925,"end":1121.825,"sentiment":"neutral","sentiment_score":0.05155447497963905},{"text":"I just want to clarify that because nonbinding is something very different.","start":1122.525,"end":1126.125,"sentiment":"neutral","sentiment_score":-0.0008396553651740154}],"sentiment":"neutral","sentiment_score":-0.0016105638071894645,"num_words":25,"start":1111.64,"end":1126.125},{"sentences":[{"text":"Nonbinding nominations essentially don't bind the trustee of the insurance company to follow the direction.","start":1126.125,"end":1131.885,"sentiment":"neutral","sentiment_score":-0.020790483616292477},{"text":"Essentially, they can then look at your nomination.","start":1131.885,"end":1134.8201,"sentiment":"neutral","sentiment_score":0.0007052531582303345},{"text":"They take that into account, but they make the call.","start":1134.88,"end":1137.52,"sentiment":"neutral","sentiment_score":-0.00160245131701231},{"text":"Whereas if it's binding binding beautiful.","start":1137.52,"end":1142.5801,"sentiment":"neutral","sentiment_score":0.02299843449145555},{"text":"Excellent.","start":1143.76,"end":1144.26,"sentiment":"positive","sentiment_score":0.46344077587127686}],"sentiment":"neutral","sentiment_score":0.006979791016783565,"num_words":40,"start":1126.125,"end":1144.26},{"sentences":[{"text":"So perfect.","start":1144.3201,"end":1147.7001,"sentiment":"neutral","sentiment_score":0.08627383783459663},{"text":"That's exactly right.","start":1149.115,"end":1150.315,"sentiment":"neutral","sentiment_score":0.29288210968176526},{"text":"And that's how we wanna make sure it is on your super as well with your team super and and your hub 24.","start":1150.315,"end":1156.095,"sentiment":"neutral","sentiment_score":0.13102159389983054},{"text":"Did you it is.","start":1156.235,"end":1160.075,"sentiment":"neutral","sentiment_score":0.05754922050982714},{"text":"Yeah.","start":1160.075,"end":1160.395,"sentiment":"neutral","sentiment_score":0.06146641820669174}],"sentiment":"neutral","sentiment_score":0.1320107262017149,"num_words":33,"start":1144.3201,"end":1160.395},{"sentences":[{"text":"It is.","start":1160.395,"end":1160.795,"sentiment":"neutral","sentiment_score":0.05485375225543976},{"text":"I'm just double checking those now because we do a bit of an audit prior to the call.","start":1160.795,"end":1164.7,"sentiment":"neutral","sentiment_score":0.03847419832729631},{"text":"So on your hub 24, you have a binding non lapsing to Carol, so you'll start for a 100% of the benefit.","start":1165.1599,"end":1171.82,"sentiment":"neutral","sentiment_score":0.0479632050476291},{"text":"And with your Team Super, you do also have a binding beneficiary nomination.","start":1172.0399,"end":1176.2999,"sentiment":"neutral","sentiment_score":0.05684368068782183},{"text":"It is lapsing.","start":1176.865,"end":1177.6649,"sentiment":"neutral","sentiment_score":0.005446509613345067}],"sentiment":"neutral","sentiment_score":0.04504725798675469,"num_words":58,"start":1160.395,"end":1177.6649},{"sentences":[{"text":"So Team Super don't allow the non lapsing option at the moment.","start":1177.6649,"end":1181.6849,"sentiment":"neutral","sentiment_score":-0.007190698757767677},{"text":"We every three years.","start":1183.1849,"end":1184.465,"sentiment":"neutral","sentiment_score":0.029863202944397926},{"text":"So the next time it is due is, yep, in 2028.","start":1184.465,"end":1188.225,"sentiment":"neutral","sentiment_score":0.05439374562014233},{"text":"So we'll make sure that that in your review prior that we help you to organize and update that nomination.","start":1188.225,"end":1193.67,"sentiment":"neutral","sentiment_score":0.12928519509732722},{"text":"That way, it's all done, ready, and doesn't lapse for you.","start":1193.81,"end":1197.01,"sentiment":"neutral","sentiment_score":0.16278088465332985}],"sentiment":"neutral","sentiment_score":0.0863411941661917,"num_words":58,"start":1177.6649,"end":1197.01},{"sentences":[{"text":"Okay?","start":1197.01,"end":1197.51,"sentiment":"neutral","sentiment_score":0.0649094507098198},{"text":"Excellent.","start":1198.4501,"end":1198.9501,"sentiment":"positive","sentiment_score":0.5319579839706421},{"text":"Fantastic.","start":1199.4901,"end":1199.9901,"sentiment":"positive","sentiment_score":0.6473300457000732},{"text":"Well, you've done a great job.","start":1200.2101,"end":1201.4901,"sentiment":"positive","sentiment_score":0.6576210657755533},{"text":"Sorry to confuse you there.","start":1201.4901,"end":1203.855,"sentiment":"neutral","sentiment_score":0.08068632930517197}],"sentiment":"positive","sentiment_score":0.39952539439712254,"num_words":14,"start":1197.01,"end":1203.855},{"sentences":[{"text":"I'm so glad that we have that nomination correct.","start":1204.095,"end":1206.735,"sentiment":"positive","sentiment_score":0.5943387415673997},{"text":"Yeah.","start":1206.735,"end":1207.135,"sentiment":"neutral","sentiment_score":0.20159097015857697},{"text":"Having that binding is always the best way.","start":1207.135,"end":1209.215,"sentiment":"neutral","sentiment_score":0.23051706235855818},{"text":"And, look, you know as well as I do those nominations can be painful to fill out all the time.","start":1209.215,"end":1213.615,"sentiment":"neutral","sentiment_score":-0.15178082119673492},{"text":"So having it nonlapsing means that it stays in place permanently and that we always try to review these with you on a regular basis.","start":1213.615,"end":1220.82,"sentiment":"neutral","sentiment_score":0.05991433747112751}],"sentiment":"neutral","sentiment_score":0.09296854215836714,"num_words":63,"start":1204.095,"end":1220.82},{"sentences":[{"text":"So if and when something was to happen and you wanted to change that nomination, you can let us know.","start":1220.82,"end":1225.7,"sentiment":"neutral","sentiment_score":0.22369877696037294},{"text":"We can have it updated to help you out.","start":1225.7,"end":1228.4199,"sentiment":"positive","sentiment_score":0.48863714933395386},{"text":"Okay?","start":1228.4199,"end":1228.9199,"sentiment":"neutral","sentiment_score":0.13355407118797302},{"text":"Now the other thing I wanted to ask is with the life insurance policy, you have this placed in force, obviously, I don't wanna go out there and cancel that, but I do wanna make sure that having us as your advisers means we can assist you with the policy as well.","start":1229.7,"end":1242.325,"sentiment":"neutral","sentiment_score":0.11327755515678571},{"text":"Are you comfortable if we add an authority to collect onto that policy?","start":1242.705,"end":1247.27,"sentiment":"neutral","sentiment_score":0.15526555765133637}],"sentiment":"neutral","sentiment_score":0.1780436744423289,"num_words":95,"start":1220.82,"end":1247.27},{"sentences":[{"text":"It allows us to be able to call and help you to, a, you know, get quotes, understand the policy, and keep a record of that policy on file with everything else that we help and monitor for you.","start":1247.27,"end":1259.93,"sentiment":"positive","sentiment_score":0.381034995118777},{"text":"That's okay.","start":1267.3049,"end":1268.205,"sentiment":"neutral","sentiment_score":0.07180435582995415},{"text":"Yep.","start":1278.44,"end":1278.94,"sentiment":"neutral","sentiment_score":0.09973611682653429},{"text":"Yeah.","start":1282.84,"end":1283.34,"sentiment":"neutral","sentiment_score":-0.03578922152519226},{"text":"That's that's okay.","start":1283.64,"end":1285.4451,"sentiment":"neutral","sentiment_score":-0.09454431757330894}],"sentiment":"neutral","sentiment_score":0.32139755356247013,"num_words":46,"start":1247.27,"end":1285.4451},{"sentences":[{"text":"The main reason we try to sort of have the authority to collect on file, we can't make changes on your behalf.","start":1285.4451,"end":1290.805,"sentiment":"neutral","sentiment_score":-0.012913508171384985},{"text":"It's an authority to inquire only.","start":1290.805,"end":1293.0651,"sentiment":"neutral","sentiment_score":0.12852795173724493},{"text":"It helps us to understand what you have available to you when we're assessing your total circumstances and helping you to meet your goals.","start":1293.2051,"end":1300.22,"sentiment":"neutral","sentiment_score":0.1728301951661706},{"text":"So understanding what insurance you have, where, and when is a really important aspect.","start":1300.22,"end":1307.04,"sentiment":"neutral","sentiment_score":0.08903039459671293},{"text":"The other side of it is if we don't have an authority on the policy, which is absolutely fine if you choose not to do so.","start":1307.1,"end":1313.875,"sentiment":"neutral","sentiment_score":-0.22622779814096597}],"sentiment":"neutral","sentiment_score":-5.456659456957942e-6,"num_words":92,"start":1285.4451,"end":1313.875},{"sentences":[{"text":"It just means that we're gonna ask you every year what your current insured amount is and make sure that that's still in line with your goals because we have an obligation with everything else to make sure it's all correct and in line with your goals, and that's about making sure we understand your circumstances as a whole and taking into account all possible information to do that.","start":1313.875,"end":1332.38,"sentiment":"neutral","sentiment_score":0.1024711994628044},{"text":"So it's up to you.","start":1332.38,"end":1334.14,"sentiment":"neutral","sentiment_score":0.10549498349428177},{"text":"You don't have to add the authority on file.","start":1334.14,"end":1336.3,"sentiment":"neutral","sentiment_score":0.03506370923585362},{"text":"We try to make sure we can add those authorities to make sure we're assisting you and understanding what you have available to you to help you meet your goals.","start":1336.3,"end":1344.135,"sentiment":"neutral","sentiment_score":0.17374595801035564},{"text":"But if you choose not to, that's fine.","start":1344.915,"end":1347.1749,"sentiment":"neutral","sentiment_score":-0.05238356441259384}],"sentiment":"neutral","sentiment_score":0.1050154651945249,"num_words":121,"start":1313.875,"end":1347.1749},{"sentences":[{"text":"We'll just make sure as part of the annual review, it's here.","start":1347.315,"end":1349.475,"sentiment":"neutral","sentiment_score":0.13975047071774802},{"text":"We ask you how much your insurance policy is, and we might just ask you to provide a statement so we can kinda keep a record of that on file for you.","start":1349.475,"end":1357.65,"sentiment":"neutral","sentiment_score":0.07984331762418151},{"text":"Okay?","start":1357.71,"end":1358.21,"sentiment":"neutral","sentiment_score":0.03943745419383049},{"text":"Yeah.","start":1362.75,"end":1363.25,"sentiment":"neutral","sentiment_score":-0.010132952593266964},{"text":"Yeah.","start":1364.59,"end":1365.09,"sentiment":"neutral","sentiment_score":0.011812658980488775}],"sentiment":"neutral","sentiment_score":0.09091721219506035,"num_words":47,"start":1347.315,"end":1365.09},{"sentences":[{"text":"Yeah.","start":1366.1549,"end":1366.6349,"sentiment":"neutral","sentiment_score":0.041858043521642685},{"text":"That's okay.","start":1366.6349,"end":1367.455,"sentiment":"neutral","sentiment_score":0.12451305240392685},{"text":"Yeah.","start":1370.315,"end":1370.815,"sentiment":"neutral","sentiment_score":0.0659106895327568},{"text":"Absolutely.","start":1371.6749,"end":1372.1749,"sentiment":"positive","sentiment_score":0.4375516176223755},{"text":"Absolutely.","start":1372.5549,"end":1373.0549,"sentiment":"positive","sentiment_score":0.5275575518608093}],"sentiment":"neutral","sentiment_score":0.220317334557573,"num_words":6,"start":1366.1549,"end":1373.0549},{"sentences":[{"text":"Now you've got your life insurance fairly covered, which is fantastic because that is really important.","start":1373.6749,"end":1378.1549,"sentiment":"positive","sentiment_score":0.6669865623116493},{"text":"In the event of you passing away, you wanna make sure Carol is looked after and your bills are paid.","start":1378.1549,"end":1382.84,"sentiment":"positive","sentiment_score":0.37902121171355246},{"text":"Fantastic.","start":1382.84,"end":1383.34,"sentiment":"positive","sentiment_score":0.6640322208404541},{"text":"The other thing that you obviously were talking about down the track is disability cover.","start":1383.88,"end":1388.5399,"sentiment":"neutral","sentiment_score":0.10582387993733088},{"text":"Now with your TPD or total permanent disability cover, do you understand what that covers, how it works, how it's paid?","start":1389.0,"end":1401.0651,"sentiment":"neutral","sentiment_score":0.02274042846901076}],"sentiment":"neutral","sentiment_score":0.28741299519187785,"num_words":73,"start":1373.6749,"end":1401.0651},{"sentences":[{"text":"The the TBD you have through super, it's disability insurance through super.","start":1401.4451,"end":1406.025,"sentiment":"neutral","sentiment_score":0.011524543088550368},{"text":"No.","start":1407.925,"end":1408.165,"sentiment":"neutral","sentiment_score":-0.11326780915260316},{"text":"That's okay.","start":1408.165,"end":1408.885,"sentiment":"neutral","sentiment_score":-0.0236330758780241},{"text":"You're fine, honestly.","start":1408.885,"end":1409.865,"sentiment":"neutral","sentiment_score":0.09372173994779587},{"text":"So TBD pays out a lump sum or an income stream in the event that you're unable to ever go back to work again.","start":1410.9501,"end":1417.77,"sentiment":"neutral","sentiment_score":-0.007062375778332353}],"sentiment":"neutral","sentiment_score":0.00212925612660391,"num_words":42,"start":1401.4451,"end":1417.77},{"sentences":[{"text":"It's called total permanent disability cover.","start":1418.15,"end":1420.5701,"sentiment":"neutral","sentiment_score":0.042231813073158264},{"text":"Inside your Team Super, you actually have that kinda cover.","start":1420.7101,"end":1423.67,"sentiment":"neutral","sentiment_score":0.07802245244383813},{"text":"You have a 100,704 and $30 worth of cover there.","start":1423.67,"end":1428.165,"sentiment":"neutral","sentiment_score":0.0735707577317953},{"text":"Now the kicker with TBD is when it's held inside Super, you in order to meet the definition to claim it, basically, you have to be never able to go back to work again for any occupation for which you are educated, trained, or have worked.","start":1428.785,"end":1441.17,"sentiment":"neutral","sentiment_score":-0.06377529239524966},{"text":"So it is a pretty hard definition to claim on.","start":1441.17,"end":1443.67,"sentiment":"neutral","sentiment_score":-0.25639956146478654}],"sentiment":"neutral","sentiment_score":-0.0454675132272447,"num_words":82,"start":1418.15,"end":1443.67},{"sentences":[{"text":"Essentially, if you were to claim on that policy and you were under the age of 60, unfortunately, there is tax applied if you then withdraw the full benefit amount.","start":1445.09,"end":1455.215,"sentiment":"neutral","sentiment_score":-0.29218334605296453},{"text":"So tax and it's disgusting.","start":1455.215,"end":1456.975,"sentiment":"negative","sentiment_score":-0.7538106441497803},{"text":"I do not think it's correct in any way, shape, or form, but the tax on that could be up to 22% if you claim and take the amount fully out of super.","start":1456.975,"end":1466.0,"sentiment":"negative","sentiment_score":-0.457243412733078},{"text":"So you withdraw the funds to your bank account.","start":1466.0,"end":1468.42,"sentiment":"neutral","sentiment_score":-0.15850210189819336},{"text":"If you were to ever claim on that, we would help you to claim provide advice on how to limit the tax and how to use the funds so they last a bit longer.","start":1469.04,"end":1478.18,"sentiment":"neutral","sentiment_score":0.06278265738750205}],"sentiment":"neutral","sentiment_score":-0.2424819350309737,"num_words":111,"start":1445.09,"end":1478.18},{"sentences":[{"text":"But the main thing I kinda wanted to find out was if in the event that you were unable to ever go back to work again, so you were fully disabled and never able to work again, what kind of benefit would you need?","start":1478.565,"end":1490.725,"sentiment":"neutral","sentiment_score":-0.0017698190005665476},{"text":"Do you feel like that level of cover you have is fine, or would you wanna try and get something a little bit more?","start":1490.725,"end":1497.1,"sentiment":"neutral","sentiment_score":-0.007306883422036965},{"text":"I know in the past, we have been declined for cover, but I'm happy to go back and try and reassess things wholly if you would like me to.","start":1497.1,"end":1504.8,"sentiment":"neutral","sentiment_score":0.09274883131528723},{"text":"I just wanted to find out your thoughts and make sure I'm giving you all the information around the product that you do have.","start":1504.8949,"end":1510.195,"sentiment":"neutral","sentiment_score":0.2642636777212222},{"text":"Well, think of it this way.","start":1517.75,"end":1518.9501,"sentiment":"neutral","sentiment_score":0.06454423442482948}],"sentiment":"neutral","sentiment_score":0.07217379954210885,"num_words":127,"start":1478.565,"end":1518.9501},{"sentences":[{"text":"Like, if you were never able to go back to work again today, if you were just fully disabled and you couldn't go back to work again and you claimed all that $100,000 policy, we were also able to release your super.","start":1518.9501,"end":1530.31,"sentiment":"neutral","sentiment_score":0.06596446134859607},{"text":"So you've got 56,000 in hub 24 and now 12,000 in team super there as well.","start":1530.31,"end":1536.385,"sentiment":"neutral","sentiment_score":0.2304302090778947},{"text":"It just sent does that have TBD as well?","start":1536.525,"end":1544.37,"sentiment":"neutral","sentiment_score":0.06821512182553609},{"text":"Yep.","start":1545.97,"end":1546.29,"sentiment":"neutral","sentiment_score":0.2582806348800659},{"text":"Beautiful.","start":1546.29,"end":1546.79,"sentiment":"positive","sentiment_score":0.5532647371292114}],"sentiment":"neutral","sentiment_score":0.11424452449748482,"num_words":69,"start":1518.9501,"end":1546.79},{"sentences":[{"text":"So you've also got 800,000 of TBD attached to your life cover through that new insurance policy as well.","start":1546.85,"end":1554.87,"sentiment":"neutral","sentiment_score":0.3045677291719537},{"text":"Yep.","start":1558.45,"end":1558.755,"sentiment":"neutral","sentiment_score":0.020947670564055443},{"text":"Yeah.","start":1561.3151,"end":1561.8151,"sentiment":"neutral","sentiment_score":0.20649129152297976},{"text":"Yep.","start":1563.955,"end":1564.455,"sentiment":"neutral","sentiment_score":0.06722994893789291},{"text":"Right.","start":1579.09,"end":1579.41,"sentiment":"neutral","sentiment_score":-0.0003538290038704872}],"sentiment":"neutral","sentiment_score":0.26439573636035557,"num_words":23,"start":1546.85,"end":1579.41},{"sentences":[{"text":"So paid yep.","start":1579.41,"end":1581.43,"sentiment":"neutral","sentiment_score":0.004239767789840698},{"text":"Absolutely.","start":1581.65,"end":1582.15,"sentiment":"positive","sentiment_score":0.552379846572876},{"text":"Perfect.","start":1582.4501,"end":1582.93,"sentiment":"positive","sentiment_score":0.7174108028411865},{"text":"So, realistically, you've got a fair amount of life and TPD there.","start":1582.93,"end":1586.725,"sentiment":"positive","sentiment_score":0.3475918894012769},{"text":"You're fairly comfortable with that level of cover.","start":1586.725,"end":1588.805,"sentiment":"positive","sentiment_score":0.383837565779686}],"sentiment":"positive","sentiment_score":0.3409725260734558,"num_words":25,"start":1579.41,"end":1588.805},{"sentences":[{"text":"That's okay?","start":1588.805,"end":1589.625,"sentiment":"neutral","sentiment_score":0.26361705362796783},{"text":"Yep.","start":1590.245,"end":1590.725,"sentiment":"neutral","sentiment_score":0.1026688665151596},{"text":"Yep.","start":1590.725,"end":1591.225,"sentiment":"neutral","sentiment_score":0.09687953442335127},{"text":"Yeah.","start":1605.9401,"end":1606.26,"sentiment":"neutral","sentiment_score":0.04778502508997917},{"text":"Yeah.","start":1606.26,"end":1606.76,"sentiment":"neutral","sentiment_score":0.04182928055524826}],"sentiment":"neutral","sentiment_score":0.13606613563994566,"num_words":6,"start":1588.805,"end":1606.76},{"sentences":[{"text":"Well, the good thing is if you sort of think about having the mortgage fully paid off, if you're paying, you know, $4.05, or $600 a week in mortgage repayments, if you've then taken that money and you've paid the mortgage 900.","start":1612.485,"end":1623.365,"sentiment":"neutral","sentiment_score":0.192722314702613},{"text":"Sorry.","start":1623.365,"end":1623.865,"sentiment":"neutral","sentiment_score":-0.04909661412239075},{"text":"If you've paid the mortgage off, that's $900 extra that's in your pocket.","start":1624.245,"end":1628.43,"sentiment":"neutral","sentiment_score":-0.03001008777377697},{"text":"So, theoretically, your living expenses should decrease, which means you should be able to live on a little bit less than what your actual income is in the event of claiming on one of those covers.","start":1628.51,"end":1639.3301,"sentiment":"neutral","sentiment_score":0.024299627532147698},{"text":"Yeah.","start":1639.4701,"end":1639.9701,"sentiment":"neutral","sentiment_score":0.045897938311100006}],"sentiment":"neutral","sentiment_score":0.09221283862146959,"num_words":93,"start":1612.485,"end":1639.9701},{"sentences":[{"text":"Yeah.","start":1646.905,"end":1647.385,"sentiment":"neutral","sentiment_score":0.10249873995780943},{"text":"Absolutely.","start":1647.385,"end":1647.885,"sentiment":"neutral","sentiment_score":0.2704169452190399},{"text":"Perfect.","start":1649.705,"end":1650.205,"sentiment":"positive","sentiment_score":0.4688001275062561},{"text":"Excellent.","start":1650.265,"end":1650.665,"sentiment":"positive","sentiment_score":0.518736720085144},{"text":"Well, I'm glad that we've got that kinda covered for you for the moment.","start":1650.665,"end":1653.725,"sentiment":"positive","sentiment_score":0.5532662847212383}],"sentiment":"positive","sentiment_score":0.5058989177147547,"num_words":18,"start":1646.905,"end":1653.725},{"sentences":[{"text":"The other type of insurances that you don't seem to have that I'm aware of is income protection.","start":1654.27,"end":1658.77,"sentiment":"neutral","sentiment_score":-0.03334335693054729},{"text":"Do you have much in the way of sick leave, annual leave, or things to fall back on if you are not at work in a short term?","start":1658.91,"end":1664.85,"sentiment":"neutral","sentiment_score":-0.09220706831131663},{"text":"Yep.","start":1683.9,"end":1684.4,"sentiment":"neutral","sentiment_score":-0.07284125685691833},{"text":"Yep.","start":1692.4601,"end":1692.825,"sentiment":"neutral","sentiment_score":-0.11033092439174652},{"text":"Yep.","start":1696.4249,"end":1696.9249,"sentiment":"neutral","sentiment_score":-0.03380567952990532}],"sentiment":"neutral","sentiment_score":-0.06936645302541401,"num_words":49,"start":1654.27,"end":1696.9249},{"sentences":[{"text":"And eighty days of sick leave.","start":1709.08,"end":1710.6,"sentiment":"neutral","sentiment_score":-0.034134247029821076},{"text":"Yep.","start":1710.6,"end":1710.84,"sentiment":"neutral","sentiment_score":0.10515322536230089},{"text":"That's okay.","start":1710.84,"end":1711.6599,"sentiment":"neutral","sentiment_score":0.24066904187202454},{"text":"We could go back and see if we can find and are able to get maybe some income protection cover for you.","start":1713.08,"end":1718.36,"sentiment":"neutral","sentiment_score":0.1258900107985193},{"text":"Or do you feel like you need income protection?","start":1718.36,"end":1720.575,"sentiment":"neutral","sentiment_score":0.025291154575016763}],"sentiment":"neutral","sentiment_score":0.08447216139174998,"num_words":40,"start":1709.08,"end":1720.575},{"sentences":[{"text":"Are you fairly comfortable like, how would you sort of cover the bills and expenses if you were not able to go to work in the short term outside of that sick leave and annual leave?","start":1720.735,"end":1728.995,"sentiment":"neutral","sentiment_score":0.002184031427734428},{"text":"You couldn't?","start":1730.6549,"end":1731.315,"sentiment":"neutral","sentiment_score":-0.041106972843408585},{"text":"Does does your does Carol work?","start":1732.495,"end":1734.595,"sentiment":"neutral","sentiment_score":-0.02106208571543296},{"text":"Is she earning an income?","start":1734.8949,"end":1736.195,"sentiment":"neutral","sentiment_score":-0.035134955681860446},{"text":"Oh, okay.","start":1736.86,"end":1737.5,"sentiment":"neutral","sentiment_score":-0.009282598970457911}],"sentiment":"neutral","sentiment_score":-0.006356888331984188,"num_words":51,"start":1720.735,"end":1737.5},{"sentences":[{"text":"She's your partner, but not not married.","start":1737.5,"end":1741.44,"sentiment":"neutral","sentiment_score":-0.020376774881567274},{"text":"Okay.","start":1743.6599,"end":1744.1599,"sentiment":"neutral","sentiment_score":-0.002795780543237925},{"text":"No.","start":1747.98,"end":1748.48,"sentiment":"neutral","sentiment_score":-0.03414512798190117},{"text":"That's, like, yeah, no.","start":1749.74,"end":1751.0651,"sentiment":"neutral","sentiment_score":0.037244864739477634},{"text":"That's absolutely fine.","start":1751.0651,"end":1752.265,"sentiment":"neutral","sentiment_score":0.19525270164012912}],"sentiment":"neutral","sentiment_score":0.034697451948886744,"num_words":16,"start":1737.5,"end":1752.265},{"sentences":[{"text":"That's not a problem at all.","start":1752.265,"end":1753.305,"sentiment":"neutral","sentiment_score":0.26748789350191754},{"text":"I just didn't wanna sort of put my foot in or say anything wrong, but want to make sure I understand you're right.","start":1753.305,"end":1759.5651,"sentiment":"neutral","sentiment_score":-0.025448528158923855},{"text":"Yeah.","start":1760.425,"end":1760.925,"sentiment":"neutral","sentiment_score":-0.017074566334486008},{"text":"It's okay.","start":1762.9851,"end":1763.805,"sentiment":"neutral","sentiment_score":0.002059456892311572},{"text":"Yeah.","start":1767.6599,"end":1768.1599,"sentiment":"neutral","sentiment_score":0.0187508761882782}],"sentiment":"neutral","sentiment_score":0.031072922333171875,"num_words":33,"start":1752.265,"end":1768.1599},{"sentences":[{"text":"Yes.","start":1769.58,"end":1769.8999,"sentiment":"neutral","sentiment_score":0.113572359085083},{"text":"That's absolutely fine.","start":1769.8999,"end":1771.2599,"sentiment":"neutral","sentiment_score":0.2760959466298421},{"text":"Family is still important.","start":1771.2599,"end":1772.38,"sentiment":"neutral","sentiment_score":0.31647802144289017},{"text":"It sounds like you have a really good, you know, quality of life with your family, and you guys get along really well.","start":1772.38,"end":1778.08,"sentiment":"neutral","sentiment_score":0.3096796345451604},{"text":"Yeah.","start":1782.265,"end":1782.665,"sentiment":"neutral","sentiment_score":-0.0006207730621099472}],"sentiment":"neutral","sentiment_score":0.2915557220694609,"num_words":32,"start":1769.58,"end":1782.665},{"sentences":[{"text":"Oh, look.","start":1782.665,"end":1783.0651,"sentiment":"neutral","sentiment_score":-0.012787877582013607},{"text":"Even married couples don't get on that well sometimes.","start":1783.0651,"end":1785.3251,"sentiment":"neutral","sentiment_score":-0.06218818947672844},{"text":"No.","start":1787.305,"end":1787.705,"sentiment":"neutral","sentiment_score":-0.08228198438882828},{"text":"Oh oh, good.","start":1787.705,"end":1789.485,"sentiment":"neutral","sentiment_score":0.1296065760155519},{"text":"Fantastic.","start":1789.545,"end":1790.045,"sentiment":"positive","sentiment_score":0.40312010049819946}],"sentiment":"neutral","sentiment_score":0.0077742739813402295,"num_words":16,"start":1782.665,"end":1790.045},{"sentences":[{"text":"Did you want me to see if I could maybe obtain a bit of income protection for you?","start":1791.0801,"end":1795.16,"sentiment":"neutral","sentiment_score":0.1057277282492982},{"text":"It does mean I would have to go back and, you know, look at your circumstances and reassess your medical history and see what's available to you.","start":1795.16,"end":1803.26,"sentiment":"neutral","sentiment_score":-0.002114464994519949},{"text":"Or how do you feel about income protection?","start":1803.6649,"end":1805.845,"sentiment":"neutral","sentiment_score":0.006303128320723772},{"text":"Would you like me to do that?","start":1805.905,"end":1806.945,"sentiment":"neutral","sentiment_score":0.07283457794359752},{"text":"I'm more than happy to do so.","start":1806.945,"end":1808.565,"sentiment":"positive","sentiment_score":0.49014340553964886}],"sentiment":"neutral","sentiment_score":0.08712357409826632,"num_words":67,"start":1791.0801,"end":1808.565},{"sentences":[{"text":"Yep.","start":1810.865,"end":1811.365,"sentiment":"positive","sentiment_score":0.3501196503639221},{"text":"Yep.","start":1812.625,"end":1813.125,"sentiment":"positive","sentiment_score":0.3356202244758606},{"text":"Perfect.","start":1813.1849,"end":1813.6849,"sentiment":"positive","sentiment_score":0.7046229839324951},{"text":"Into that.","start":1815.44,"end":1816.08,"sentiment":"positive","sentiment_score":0.44779491424560547},{"text":"No worries at all.","start":1816.08,"end":1816.96,"sentiment":"neutral","sentiment_score":0.17603864334523678}],"sentiment":"neutral","sentiment_score":0.332234140071604,"num_words":9,"start":1810.865,"end":1816.96},{"sentences":[{"text":"Now there's a couple of things to take into account when we look at income protection.","start":1816.96,"end":1820.34,"sentiment":"neutral","sentiment_score":0.030190898454748094},{"text":"The first one is obviously the benefit amount.","start":1820.4,"end":1822.88,"sentiment":"neutral","sentiment_score":0.0255128163844347},{"text":"So the most you can technically cover yourself for with income protection is up to 70% of your pretax disability income.","start":1822.88,"end":1830.9,"sentiment":"neutral","sentiment_score":0.029463623428628558},{"text":"Did you want me to try and cover you for the maximum of your income that we can, the 70%, or do you feel like maybe a lesser benefit would be comfortable before tax?","start":1832.245,"end":1845.84,"sentiment":"neutral","sentiment_score":0.016110546530827004},{"text":"Yeah.","start":1847.52,"end":1848.02,"sentiment":"neutral","sentiment_score":0.021624919027090073}],"sentiment":"neutral","sentiment_score":0.02344095624284819,"num_words":80,"start":1816.96,"end":1848.02},{"sentences":[{"text":"Pre disability, pretax income.","start":1849.0399,"end":1850.9,"sentiment":"neutral","sentiment_score":0.013580814469605684},{"text":"Yeah.","start":1850.96,"end":1851.46,"sentiment":"neutral","sentiment_score":0.029865309596061707},{"text":"The higher amount?","start":1859.4349,"end":1860.395,"sentiment":"neutral","sentiment_score":0.0037479360277454057},{"text":"Yep.","start":1860.395,"end":1860.715,"sentiment":"neutral","sentiment_score":0.025787850841879845},{"text":"So the 70 percent is the max benefit?","start":1860.715,"end":1862.895,"sentiment":"neutral","sentiment_score":0.04659248958341777}],"sentiment":"neutral","sentiment_score":0.029056479003937805,"num_words":17,"start":1849.0399,"end":1862.895},{"sentences":[{"text":"Absolutely.","start":1863.035,"end":1863.535,"sentiment":"neutral","sentiment_score":0.13391165435314178},{"text":"Not a problem.","start":1864.235,"end":1865.215,"sentiment":"neutral","sentiment_score":0.12409460296233495},{"text":"The other side of it is they also have what's called a waiting period.","start":1866.075,"end":1870.635,"sentiment":"neutral","sentiment_score":-0.003098873421549797},{"text":"It's how long you have to be off work prior to you actually making a claim.","start":1870.635,"end":1874.415,"sentiment":"neutral","sentiment_score":-0.04852699255570769},{"text":"Generally, a benefit period can start at thirty days, be up to sixty days, or ninety days.","start":1874.87,"end":1879.51,"sentiment":"neutral","sentiment_score":0.004595950848477728}],"sentiment":"neutral","sentiment_score":-0.004617440806446122,"num_words":51,"start":1863.035,"end":1879.51},{"sentences":[{"text":"The longer the waiting period that you the longer you have to wait for a claim means the cheaper the policy can be.","start":1879.51,"end":1886.17,"sentiment":"neutral","sentiment_score":-0.07969778727578081},{"text":"So, obviously, a thirty day waiting period makes the policy more expensive.","start":1886.4701,"end":1890.01,"sentiment":"neutral","sentiment_score":-0.20596948638558388},{"text":"Do you think you would need to have the earliest waiting period near try to claim within thirty days, or do you think you'd be happy with something longer to try and make the policy cheaper?","start":1890.605,"end":1899.265,"sentiment":"neutral","sentiment_score":-0.07344600030531485},{"text":"No.","start":1905.9401,"end":1906.18,"sentiment":"neutral","sentiment_score":-0.06821253895759583},{"text":"That's okay.","start":1906.18,"end":1906.8201,"sentiment":"neutral","sentiment_score":-0.028251100331544876}],"sentiment":"neutral","sentiment_score":-0.09558721208894574,"num_words":74,"start":1879.51,"end":1906.8201},{"sentences":[{"text":"So thirty days would have to be the lowest that we can do.","start":1906.8201,"end":1909.7001,"sentiment":"neutral","sentiment_score":-0.024301794859079216},{"text":"So we try and get a thirty day waiting period.","start":1909.7001,"end":1911.9601,"sentiment":"neutral","sentiment_score":0.018128469958901404},{"text":"Yeah.","start":1912.02,"end":1912.3401,"sentiment":"neutral","sentiment_score":0.08370967209339142},{"text":"Absolutely.","start":1912.3401,"end":1912.8401,"sentiment":"neutral","sentiment_score":0.1508626490831375},{"text":"Not a problem.","start":1914.66,"end":1915.54,"sentiment":"neutral","sentiment_score":0.15762004752953848}],"sentiment":"neutral","sentiment_score":0.020456922506647452,"num_words":28,"start":1906.8201,"end":1915.54},{"sentences":[{"text":"And then we also have what's called a benefit period.","start":1915.54,"end":1917.86,"sentiment":"neutral","sentiment_score":0.06641312725842},{"text":"This is how long you can be on a claim for.","start":1917.86,"end":1920.18,"sentiment":"neutral","sentiment_score":0.0561256774447181},{"text":"It is tough cause you never know if you're gonna be on a claim.","start":1920.18,"end":1923.0449,"sentiment":"neutral","sentiment_score":-0.04108002595603466},{"text":"Generally, claims can go for two years, five years, or up to age 65 with income protection policies.","start":1923.585,"end":1928.965,"sentiment":"neutral","sentiment_score":-0.007978021099309748},{"text":"Did you wanna look at maybe a longer benefit period for the risk that you may be on a claim longer?","start":1929.0249,"end":1934.245,"sentiment":"neutral","sentiment_score":-0.0025858163301433834}],"sentiment":"neutral","sentiment_score":0.006871443761770638,"num_words":74,"start":1915.54,"end":1934.245},{"sentences":[{"text":"Yeah.","start":1934.465,"end":1934.965,"sentiment":"neutral","sentiment_score":0.0020151413045823574},{"text":"The most expensive benefit period is age 65.","start":1935.72,"end":1938.76,"sentiment":"neutral","sentiment_score":-0.03867304511368275},{"text":"Did you wanna look at five years sort of a happy medium?","start":1938.76,"end":1941.42,"sentiment":"neutral","sentiment_score":0.035726987135907017},{"text":"Yeah.","start":1944.36,"end":1944.76,"sentiment":"neutral","sentiment_score":0.1386210322380066},{"text":"Yep.","start":1944.76,"end":1945.24,"sentiment":"neutral","sentiment_score":0.15118750929832458}],"sentiment":"neutral","sentiment_score":0.01787665945923199,"num_words":23,"start":1934.465,"end":1945.24},{"sentences":[{"text":"Five years to start with.","start":1945.24,"end":1946.62,"sentiment":"neutral","sentiment_score":0.2253595471382141},{"text":"Beautiful.","start":1946.84,"end":1947.34,"sentiment":"positive","sentiment_score":0.6761639714241028},{"text":"Five years benefit period.","start":1949.08,"end":1950.415,"sentiment":"positive","sentiment_score":0.4542108327150345},{"text":"Excellent.","start":1950.415,"end":1950.915,"sentiment":"positive","sentiment_score":0.6645672917366028},{"text":"And the income Yeah.","start":1952.975,"end":1955.795,"sentiment":"neutral","sentiment_score":0.18106695637106895}],"sentiment":"positive","sentiment_score":0.333909343679746,"num_words":15,"start":1945.24,"end":1955.795},{"sentences":[{"text":"Yep.","start":1962.095,"end":1962.5751,"sentiment":"neutral","sentiment_score":0.13108967244625092},{"text":"Okay.","start":1962.5751,"end":1963.0751,"sentiment":"neutral","sentiment_score":0.217013418674469},{"text":"Perfect.","start":1963.375,"end":1963.875,"sentiment":"positive","sentiment_score":0.4221996366977692},{"text":"And income wise, I've got you earning.","start":1964.76,"end":1966.86,"sentiment":"neutral","sentiment_score":0.1738408122743879},{"text":"So the last conversation, you were on about 150,000 per annum.","start":1966.92,"end":1971.24,"sentiment":"neutral","sentiment_score":0.12550736896016382}],"sentiment":"neutral","sentiment_score":0.1603699748714765,"num_words":21,"start":1962.095,"end":1971.24},{"sentences":[{"text":"Is that still fairly accurate income wise?","start":1971.24,"end":1973.42,"sentiment":"neutral","sentiment_score":0.1271227662052427},{"text":"$1.60?","start":1976.6,"end":1977.42,"sentiment":"neutral","sentiment_score":0.02650558389723301},{"text":"Yep.","start":1977.72,"end":1978.2001,"sentiment":"neutral","sentiment_score":0.07736276090145111},{"text":"Perfect.","start":1978.2001,"end":1978.7001,"sentiment":"neutral","sentiment_score":0.28369802236557007},{"text":"Update that for you.","start":1980.255,"end":1981.795,"sentiment":"neutral","sentiment_score":0.1092186663299799}],"sentiment":"neutral","sentiment_score":0.12245002828006234,"num_words":14,"start":1971.24,"end":1981.795},{"sentences":[{"text":"Yep.","start":1987.935,"end":1988.435,"sentiment":"neutral","sentiment_score":0.03802819550037384},{"text":"Okay.","start":1990.255,"end":1990.755,"sentiment":"neutral","sentiment_score":0.14867885410785675},{"text":"Perfect.","start":1991.055,"end":1991.555,"sentiment":"neutral","sentiment_score":0.3074588179588318},{"text":"And are you managing to save much on out of your income once they everything's kinda going to expenses?","start":1992.36,"end":1998.3,"sentiment":"neutral","sentiment_score":0.11138552309651124},{"text":"Yep.","start":1998.76,"end":1999.26,"sentiment":"neutral","sentiment_score":-0.02406139299273491}],"sentiment":"neutral","sentiment_score":0.11245345275687135,"num_words":23,"start":1987.935,"end":1999.26},{"sentences":[{"text":"Yep.","start":2001.24,"end":2001.74,"sentiment":"neutral","sentiment_score":-0.1071525365114212},{"text":"Nope.","start":2002.76,"end":2003.24,"sentiment":"neutral","sentiment_score":-0.1118563860654831},{"text":"That's understandable.","start":2003.24,"end":2004.3,"sentiment":"neutral","sentiment_score":-0.0598670169711113},{"text":"All good.","start":2004.92,"end":2005.64,"sentiment":"neutral","sentiment_score":0.11577542126178741},{"text":"We can it's life is extremely expensive at the moment, you there's so many people in the same boat.","start":2005.64,"end":2011.165,"sentiment":"neutral","sentiment_score":-0.1371578554573812}],"sentiment":"neutral","sentiment_score":-0.1085276547074318,"num_words":25,"start":2001.24,"end":2011.165},{"sentences":[{"text":"Alright.","start":2012.905,"end":2013.405,"sentiment":"neutral","sentiment_score":-0.02799886465072632},{"text":"And it's gone.","start":2015.385,"end":2016.285,"sentiment":"neutral","sentiment_score":-0.0873413619895776},{"text":"Sounds right.","start":2018.025,"end":2018.745,"sentiment":"neutral","sentiment_score":0.041247546672821045},{"text":"Yep.","start":2018.745,"end":2019.245,"sentiment":"neutral","sentiment_score":0.04065847396850586},{"text":"Understandable.","start":2019.705,"end":2020.205,"sentiment":"neutral","sentiment_score":0.08876332640647888}],"sentiment":"neutral","sentiment_score":-0.00976325711235404,"num_words":8,"start":2012.905,"end":2020.205},{"sentences":[{"text":"All good.","start":2021.9601,"end":2022.78,"sentiment":"neutral","sentiment_score":0.17915913462638855},{"text":"When I'll go back and have a look at sort of what kind of contracts might be on offer, I will need my team to maybe touch base over the next couple of days and or, you know, next week or so and do a bit of a pre assessment with you just to kind of get a gauge on the health history that, a, we may have, but, b, anything additional that I may need to understand so I can go out there to all the different insurers.","start":2024.6,"end":2046.8351,"sentiment":"neutral","sentiment_score":-0.009241736703290699},{"text":"I do what's called a blind pre assessment.","start":2047.2151,"end":2049.15,"sentiment":"neutral","sentiment_score":-0.016033980646170676},{"text":"They don't know anything about you other than that, you know, you're a male of a certain age, and then I have all these, you know, your health basically written down on a pre assessment system.","start":2049.15,"end":2058.77,"sentiment":"neutral","sentiment_score":-0.012416955575139986},{"text":"I send that out to the insurers, and they come back and tell me what kind of contracts they might offer.","start":2059.47,"end":2064.3699,"sentiment":"neutral","sentiment_score":0.003135468034694592}],"sentiment":"neutral","sentiment_score":-0.006241241759525087,"num_words":156,"start":2021.9601,"end":2064.3699},{"sentences":[{"text":"There is a risk depending on what is disclosed.","start":2064.825,"end":2067.4648,"sentiment":"neutral","sentiment_score":-0.11694834546910392},{"text":"They may decline to offer income protection.","start":2067.4648,"end":2070.125,"sentiment":"neutral","sentiment_score":-0.1556048063295228},{"text":"If there is if there is that option, we can also look at other things.","start":2071.385,"end":2077.145,"sentiment":"neutral","sentiment_score":-0.016856308033068975},{"text":"So one of the things I do try to work on with clients who are unable to get additional disability cover is to look at building wealth outside of super, set up saving plans as well to kind of, you know, save money to provide a bit of an offset.","start":2077.145,"end":2090.01,"sentiment":"neutral","sentiment_score":0.020505793876945972},{"text":"I can also go back to Team Super and see what their income protection policy looks like, have a look at their income the application process, and see if I can maybe get something through through Team Super for you as well.","start":2090.55,"end":2104.335,"sentiment":"neutral","sentiment_score":0.07262013267193522}],"sentiment":"neutral","sentiment_score":0.013664405626373562,"num_words":123,"start":2064.825,"end":2104.335},{"sentences":[{"text":"So I'll kinda run all those avenues.","start":2104.94,"end":2107.1199,"sentiment":"neutral","sentiment_score":0.05961041897535324},{"text":"I won't let it run as long as it did last year, and I'll make sure that we get you booked back in to have your advice presentation in a couple of weeks as well.","start":2107.18,"end":2115.42,"sentiment":"neutral","sentiment_score":0.022836287106786455},{"text":"Is that okay?","start":2115.42,"end":2116.24,"sentiment":"neutral","sentiment_score":0.045131309578816094},{"text":"Yep.","start":2117.9,"end":2118.38,"sentiment":"neutral","sentiment_score":0.15065419673919678},{"text":"Beautiful.","start":2118.38,"end":2118.88,"sentiment":"positive","sentiment_score":0.4311193227767944}],"sentiment":"neutral","sentiment_score":0.04114277510249868,"num_words":47,"start":2104.94,"end":2118.88},{"sentences":[{"text":"Excellent.","start":2120.005,"end":2120.405,"sentiment":"positive","sentiment_score":0.4211048781871796},{"text":"But I just wanna make sure I'll try to be open and honest and let you know, look, I'll go out there and do all the work, but there is a risk of a decline.","start":2120.405,"end":2127.045,"sentiment":"neutral","sentiment_score":-0.007893441298178264},{"text":"If it comes back that I'm not able to get any kind of cover, I'll come back with some different options as part of the advice and show you, you know, let you know that this is what the outcome is.","start":2127.045,"end":2137.0398,"sentiment":"neutral","sentiment_score":-0.06970444957657558},{"text":"But these are things that we can do down the track for you to assist you to kinda close that gap with the risk.","start":2137.5798,"end":2142.94,"sentiment":"neutral","sentiment_score":0.008747802271197239},{"text":"Is that alright?","start":2142.94,"end":2143.8398,"sentiment":"neutral","sentiment_score":-0.017625425476580858}],"sentiment":"neutral","sentiment_score":-0.024576702132785264,"num_words":104,"start":2120.005,"end":2143.8398},{"sentences":[{"text":"Yeah?","start":2144.6199,"end":2145.1199,"sentiment":"neutral","sentiment_score":0.12717163562774658},{"text":"Beautiful.","start":2145.98,"end":2146.48,"sentiment":"positive","sentiment_score":0.5643749237060547},{"text":"Excellent.","start":2146.7,"end":2147.2,"sentiment":"positive","sentiment_score":0.5599014163017273},{"text":"All good.","start":2147.42,"end":2148.135,"sentiment":"positive","sentiment_score":0.475124329328537},{"text":"Now there are other types of cover that you can hold.","start":2148.695,"end":2150.935,"sentiment":"neutral","sentiment_score":0.0668024556203322}],"sentiment":"neutral","sentiment_score":0.18353272788226604,"num_words":16,"start":2144.6199,"end":2150.935},{"sentences":[{"text":"Now the other thing I just forgot to ask before, sorry, with your wife and TPD, with that new insurance policy, is that paid out of pocket, or are you having that paid out of your super funds?","start":2150.935,"end":2160.24,"sentiment":"neutral","sentiment_score":-0.04938961923318474},{"text":"Out of pocket.","start":2161.92,"end":2162.72,"sentiment":"neutral","sentiment_score":-0.053379084914922714},{"text":"Okay.","start":2162.72,"end":2163.1199,"sentiment":"neutral","sentiment_score":0.024311739951372147},{"text":"Beautiful.","start":2163.1199,"end":2163.6199,"sentiment":"neutral","sentiment_score":0.14031487703323364},{"text":"How much are they charging you for that at the moment on a monthly basis?","start":2163.84,"end":2167.54,"sentiment":"neutral","sentiment_score":0.003943691588938236}],"sentiment":"neutral","sentiment_score":-0.031261393013570844,"num_words":58,"start":2150.935,"end":2167.54},{"sentences":[{"text":"Okay.","start":2171.04,"end":2171.54,"sentiment":"neutral","sentiment_score":0.17529895901679993},{"text":"Fantastic.","start":2171.6,"end":2172.1,"sentiment":"positive","sentiment_score":0.4321796000003814},{"text":"That's not bad at all per month.","start":2172.32,"end":2174.385,"sentiment":"neutral","sentiment_score":0.3124524397509439},{"text":"Excellent.","start":2174.785,"end":2175.285,"sentiment":"positive","sentiment_score":0.4354783594608307},{"text":"And with the income protection side of things, you can hold that inside super the same as your other funds.","start":2176.705,"end":2181.905,"sentiment":"neutral","sentiment_score":0.23784952089190484}],"sentiment":"neutral","sentiment_score":0.26623714715242386,"num_words":30,"start":2171.04,"end":2181.905},{"sentences":[{"text":"You can also pay some of it out of your back pocket.","start":2181.905,"end":2184.485,"sentiment":"neutral","sentiment_score":0.1781587451696396},{"text":"Did you want it all to be structured inside super, or did you were you okay if I recommended a little bit?","start":2184.625,"end":2190.36,"sentiment":"neutral","sentiment_score":-0.0009274865415963261},{"text":"Sorry.","start":2190.4402,"end":2190.6,"sentiment":"neutral","sentiment_score":-0.06828384101390839},{"text":"You're right.","start":2190.6,"end":2191.34,"sentiment":"neutral","sentiment_score":-0.011927401646971703},{"text":"Through Super.","start":2194.28,"end":2195.08,"sentiment":"neutral","sentiment_score":0.056064408272504807}],"sentiment":"neutral","sentiment_score":0.05480744641942856,"num_words":39,"start":2181.905,"end":2195.08},{"sentences":[{"text":"Yeah.","start":2195.08,"end":2195.4001,"sentiment":"neutral","sentiment_score":0.08932475000619888},{"text":"Absolutely.","start":2195.4001,"end":2195.9001,"sentiment":"neutral","sentiment_score":0.1496310532093048},{"text":"You know, we don't wanna eat away all of you.","start":2196.4402,"end":2198.6802,"sentiment":"neutral","sentiment_score":-0.05023859776556492},{"text":"Yeah.","start":2198.6802,"end":2198.9202,"sentiment":"neutral","sentiment_score":-0.006258944049477577},{"text":"You're already utilizing all of your income for bills and expenses.","start":2198.9202,"end":2202.36,"sentiment":"neutral","sentiment_score":0.06049805413931608}],"sentiment":"neutral","sentiment_score":0.01649122821011891,"num_words":24,"start":2195.08,"end":2202.36},{"sentences":[{"text":"We don't wanna overextend you too much.","start":2202.36,"end":2204.295,"sentiment":"neutral","sentiment_score":-0.019026968960783312},{"text":"Absolutely.","start":2204.535,"end":2205.035,"sentiment":"positive","sentiment_score":0.3425942063331604},{"text":"Beautiful.","start":2205.7349,"end":2206.2349,"sentiment":"positive","sentiment_score":0.4871176183223725},{"text":"Because of the way everything is at the moment with, obviously, your bills and expenditure, looking at more cover outside of Super isn't really an option.","start":2207.575,"end":2215.515,"sentiment":"neutral","sentiment_score":0.06436780438973354},{"text":"And do you feel like making additional contributions to super to kind of build it back up again is sort of off the cards at the moment?","start":2215.655,"end":2223.6702,"sentiment":"neutral","sentiment_score":0.02054129637501858}],"sentiment":"neutral","sentiment_score":0.047172596099816506,"num_words":62,"start":2202.36,"end":2223.6702},{"sentences":[{"text":"Would you be open to doing that, and how do you feel?","start":2223.6702,"end":2226.33,"sentiment":"neutral","sentiment_score":-0.007055135288586219},{"text":"No.","start":2227.11,"end":2227.61,"sentiment":"neutral","sentiment_score":-0.1237923800945282},{"text":"No.","start":2228.47,"end":2228.71,"sentiment":"neutral","sentiment_score":-0.07437931001186371},{"text":"That's okay.","start":2228.71,"end":2229.815,"sentiment":"neutral","sentiment_score":-0.0010639531537890426},{"text":"Not a problem.","start":2229.815,"end":2230.7148,"sentiment":"neutral","sentiment_score":0.13055266439914703}],"sentiment":"neutral","sentiment_score":0.0056156196484440256,"num_words":19,"start":2223.6702,"end":2230.7148},{"sentences":[{"text":"All good.","start":2231.8948,"end":2232.7148,"sentiment":"neutral","sentiment_score":0.2913341522216797},{"text":"I'll make sure that we we can sort of focus on things like that down the track as well if you're comfortable too.","start":2232.775,"end":2237.4949,"sentiment":"neutral","sentiment_score":0.11669877268697905},{"text":"I'll sort of reassess it with you moving forward.","start":2237.4949,"end":2239.575,"sentiment":"neutral","sentiment_score":0.08567819992701213},{"text":"Is that okay, Chris?","start":2239.575,"end":2240.795,"sentiment":"neutral","sentiment_score":0.056315899826586246},{"text":"Yeah.","start":2241.8948,"end":2242.3948,"sentiment":"neutral","sentiment_score":0.2056201696395874}],"sentiment":"neutral","sentiment_score":0.11458276011622869,"num_words":39,"start":2231.8948,"end":2242.3948},{"sentences":[{"text":"Beautiful.","start":2242.65,"end":2243.15,"sentiment":"positive","sentiment_score":0.4918753504753113},{"text":"Moving forward.","start":2243.93,"end":2244.8098,"sentiment":"positive","sentiment_score":0.3964243680238724},{"text":"Excellent.","start":2244.8098,"end":2245.3098,"sentiment":"positive","sentiment_score":0.428951621055603},{"text":"I've got down here so assets I've got down here, your main primary residence.","start":2246.49,"end":2250.5698,"sentiment":"neutral","sentiment_score":0.10992324139390673},{"text":"Last valuation we have was about 680,000.","start":2250.5698,"end":2253.95,"sentiment":"neutral","sentiment_score":0.041918431009565084}],"sentiment":"neutral","sentiment_score":0.14184120416641235,"num_words":25,"start":2242.65,"end":2253.95},{"sentences":[{"text":"Would you say that's gone $7.50?","start":2254.65,"end":2256.915,"sentiment":"neutral","sentiment_score":0.042134083807468414},{"text":"Beautiful.","start":2256.915,"end":2257.395,"sentiment":"neutral","sentiment_score":0.17387177050113678},{"text":"Have you had it valued recently?","start":2257.395,"end":2258.935,"sentiment":"neutral","sentiment_score":0.04418177312860886},{"text":"Or oh, fantastic.","start":2258.995,"end":2270.04,"sentiment":"neutral","sentiment_score":0.2593074832111597},{"text":"Excellent.","start":2270.44,"end":2270.94,"sentiment":"positive","sentiment_score":0.3906051814556122}],"sentiment":"neutral","sentiment_score":0.10942909077686422,"num_words":17,"start":2254.65,"end":2270.94},{"sentences":[{"text":"Excellent.","start":2271.0,"end":2271.5,"sentiment":"positive","sentiment_score":0.33761394023895264},{"text":"Did you get a better rate?","start":2271.72,"end":2273.1,"sentiment":"neutral","sentiment_score":0.11477553223570187},{"text":"Yep.","start":2275.24,"end":2275.74,"sentiment":"neutral","sentiment_score":0.06580009311437607},{"text":"Beautiful.","start":2275.96,"end":2276.46,"sentiment":"neutral","sentiment_score":0.12372149527072906},{"text":"I know.","start":2276.84,"end":2277.24,"sentiment":"neutral","sentiment_score":0.0009147869423031807}],"sentiment":"neutral","sentiment_score":0.11069257235662504,"num_words":11,"start":2271.0,"end":2277.24},{"sentences":[{"text":"I look at my mortgage rates these days and go, oh my god.","start":2277.24,"end":2279.56,"sentiment":"neutral","sentiment_score":-0.13634721877483222},{"text":"It's horrendous.","start":2279.56,"end":2280.3,"sentiment":"negative","sentiment_score":-0.38238242268562317},{"text":"Try to keep refinancing, but then it keeps going up again.","start":2280.6,"end":2283.4001,"sentiment":"neutral","sentiment_score":-0.19774780490181662},{"text":"It's one of those things, isn't it?","start":2283.4001,"end":2285.02,"sentiment":"neutral","sentiment_score":-0.08929761286292758},{"text":"That's it.","start":2288.425,"end":2289.165,"sentiment":"neutral","sentiment_score":-0.04801112227141857}],"sentiment":"neutral","sentiment_score":-0.15524600222706794,"num_words":35,"start":2277.24,"end":2289.165},{"sentences":[{"text":"The mortgage on the property, we had about 517,000.","start":2290.5051,"end":2294.605,"sentiment":"neutral","sentiment_score":-0.03300061263144016},{"text":"What do you owe on the property at the moment?","start":2294.745,"end":2296.685,"sentiment":"neutral","sentiment_score":-0.02318215724080801},{"text":"600.","start":2299.625,"end":2300.34,"sentiment":"neutral","sentiment_score":0.016215385869145393},{"text":"Beautiful.","start":2300.58,"end":2301.08,"sentiment":"neutral","sentiment_score":0.20922905206680295},{"text":"And then other assets that's okay.","start":2302.1,"end":2304.9202,"sentiment":"neutral","sentiment_score":0.04919278249144554}],"sentiment":"neutral","sentiment_score":-0.00030466493357110905,"num_words":27,"start":2290.5051,"end":2304.9202},{"sentences":[{"text":"Other assets, I had your car down as well with an asset value of 50,000.","start":2305.22,"end":2309.4001,"sentiment":"neutral","sentiment_score":0.021643438935279848},{"text":"How would you value your car currently, do you think?","start":2310.58,"end":2313.24,"sentiment":"neutral","sentiment_score":0.009840959589928389},{"text":"I'm not gonna lie.","start":2315.505,"end":2316.385,"sentiment":"neutral","sentiment_score":-0.07982496358454227},{"text":"It does actually say it just says car.","start":2316.385,"end":2318.565,"sentiment":"neutral","sentiment_score":-0.02167149807792157},{"text":"Which car would you value that?","start":2319.025,"end":2320.865,"sentiment":"neutral","sentiment_score":0.001965032114336888}],"sentiment":"neutral","sentiment_score":-0.0013446620080706684,"num_words":43,"start":2305.22,"end":2320.865},{"sentences":[{"text":"Yeah.","start":2320.865,"end":2321.365,"sentiment":"neutral","sentiment_score":0.03192735090851784},{"text":"55?","start":2330.74,"end":2331.54,"sentiment":"neutral","sentiment_score":0.03925277292728424},{"text":"Beautiful.","start":2331.54,"end":2332.04,"sentiment":"positive","sentiment_score":0.35647398233413696},{"text":"Yep.","start":2332.82,"end":2333.22,"sentiment":"neutral","sentiment_score":0.07676982134580612},{"text":"That's it.","start":2333.22,"end":2334.04,"sentiment":"neutral","sentiment_score":0.01983320154249668}],"sentiment":"neutral","sentiment_score":0.09068172176678975,"num_words":6,"start":2320.865,"end":2334.04},{"sentences":[{"text":"Yep.","start":2340.9001,"end":2341.3,"sentiment":"neutral","sentiment_score":0.12585324048995972},{"text":"Beautiful.","start":2341.3,"end":2341.8,"sentiment":"positive","sentiment_score":0.5659129619598389},{"text":"Fantastic.","start":2341.86,"end":2342.36,"sentiment":"positive","sentiment_score":0.5840392708778381},{"text":"Do you have loans on either of those vehicles?","start":2342.5,"end":2344.4402,"sentiment":"neutral","sentiment_score":0.10670281408561601},{"text":"That's a high end.","start":2348.375,"end":2349.835,"sentiment":"neutral","sentiment_score":0.051489113830029964}],"sentiment":"neutral","sentiment_score":0.1526304534636438,"num_words":16,"start":2340.9001,"end":2349.835},{"sentences":[{"text":"Yep.","start":2350.0552,"end":2350.455,"sentiment":"neutral","sentiment_score":0.14981475472450256},{"text":"Beautiful.","start":2350.455,"end":2350.955,"sentiment":"positive","sentiment_score":0.4981415271759033},{"text":"I'll just update that for you.","start":2351.095,"end":2352.695,"sentiment":"neutral","sentiment_score":0.29496363798777264},{"text":"And how much do you have on the Hyundai?","start":2352.695,"end":2354.475,"sentiment":"neutral","sentiment_score":0.028670324219597712},{"text":"How much do you owe?","start":2354.695,"end":2355.495,"sentiment":"neutral","sentiment_score":0.0068351454101502895}],"sentiment":"neutral","sentiment_score":0.12317939794791694,"num_words":22,"start":2350.0552,"end":2355.495},{"sentences":[{"text":"Sorry.","start":2355.495,"end":2355.995,"sentiment":"neutral","sentiment_score":-0.012509578838944437},{"text":"35.","start":2366.31,"end":2367.03,"sentiment":"neutral","sentiment_score":0.022281426936388016},{"text":"Yep.","start":2367.03,"end":2367.43,"sentiment":"neutral","sentiment_score":0.12940233945846558},{"text":"Beautiful.","start":2367.43,"end":2367.93,"sentiment":"positive","sentiment_score":0.4909058511257171},{"text":"Excellent.","start":2368.07,"end":2368.57,"sentiment":"positive","sentiment_score":0.495178759098053}],"sentiment":"neutral","sentiment_score":0.22505175955593587,"num_words":5,"start":2355.495,"end":2368.57},{"sentences":[{"text":"And any other assets you'd note down?","start":2368.965,"end":2370.8052,"sentiment":"neutral","sentiment_score":0.1493962268744196},{"text":"Any other shares or assets of anything or any other valuables?","start":2370.8052,"end":2374.185,"sentiment":"neutral","sentiment_score":0.08083286745981737},{"text":"Yep.","start":2377.605,"end":2377.925,"sentiment":"neutral","sentiment_score":0.08815401047468185},{"text":"That's okay.","start":2377.925,"end":2378.645,"sentiment":"neutral","sentiment_score":0.1350710541009903},{"text":"Not a problem at all.","start":2378.645,"end":2380.105,"sentiment":"neutral","sentiment_score":0.17302387952804565}],"sentiment":"neutral","sentiment_score":0.12147502486522381,"num_words":26,"start":2368.965,"end":2380.105},{"sentences":[{"text":"Now I've confirmed that your beneficiary nominations are all in line and appropriate there.","start":2380.405,"end":2386.26,"sentiment":"neutral","sentiment_score":0.18607021336044585},{"text":"Wills and power of attorneys, have you spoken to your partner and your kids, and have you ever spoken to a solicitor about maybe getting a will or power of attorney and join this visa.","start":2387.2,"end":2397.585,"sentiment":"neutral","sentiment_score":0.011613392457365989},{"text":"Yep.","start":2399.8052,"end":2400.3052,"sentiment":"neutral","sentiment_score":0.007167161908000708},{"text":"Yep.","start":2410.7651,"end":2411.2651,"sentiment":"neutral","sentiment_score":0.01381189376115799},{"text":"Yeah.","start":2415.79,"end":2416.29,"sentiment":"neutral","sentiment_score":-0.019225386902689937}],"sentiment":"neutral","sentiment_score":0.05794625753501,"num_words":52,"start":2380.405,"end":2416.29},{"sentences":[{"text":"Oh, I'm so sorry.","start":2417.31,"end":2418.53,"sentiment":"neutral","sentiment_score":-0.13919872231781483},{"text":"Oh, I'm so sorry.","start":2425.3901,"end":2426.69,"sentiment":"neutral","sentiment_score":-0.24921413511037827},{"text":"Yeah.","start":2431.385,"end":2431.885,"sentiment":"neutral","sentiment_score":-0.09025787562131882},{"text":"No.","start":2433.3052,"end":2433.625,"sentiment":"neutral","sentiment_score":-0.2179637998342514},{"text":"It's one of the things I am learning as I get older.","start":2433.625,"end":2435.865,"sentiment":"neutral","sentiment_score":-0.1124330572783947}],"sentiment":"neutral","sentiment_score":-0.14595771784132178,"num_words":22,"start":2417.31,"end":2435.865},{"sentences":[{"text":"I'm in my forties now, and it is a factor of life that, unfortunately, we end up to go into more funerals and things like that.","start":2435.865,"end":2443.76,"sentiment":"neutral","sentiment_score":-0.1863387989310118},{"text":"But it's also, unfortunately, a factor of my job that we do have a lot of these conversations and kind of reiterating the importance of having a will and a power of attorney set up to make sure that your wishes are adhered to.","start":2443.76,"end":2454.42,"sentiment":"neutral","sentiment_score":-0.13307989151640373},{"text":"A power of attorney, especially having an enduring power of attorney to, you know, make sure that you've got someone nominated to act on your behalf in the event that you can't is really important to do so.","start":2454.8,"end":2464.655,"sentiment":"neutral","sentiment_score":0.03190486547292063},{"text":"So I know will kits can be a little bit difficult as much as they are cheaper.","start":2464.655,"end":2468.675,"sentiment":"neutral","sentiment_score":-0.12761212359456456},{"text":"Having a solicitor, obviously, is a the best option, but there are other options out there.","start":2468.87,"end":2474.07,"sentiment":"neutral","sentiment_score":0.011007134336978197}],"sentiment":"neutral","sentiment_score":-0.08142717065725555,"num_words":141,"start":2435.865,"end":2474.07},{"sentences":[{"text":"So every state does have, like, a local trustee that can put you in contact with someone to do up a simple will fairly simply, and they are done by solicitors, and they are legal wills.","start":2474.07,"end":2484.985,"sentiment":"neutral","sentiment_score":0.0832303971466091},{"text":"If you wanted to, you're in Victoria.","start":2485.445,"end":2487.3052,"sentiment":"neutral","sentiment_score":0.04856260520006929},{"text":"I could find the local one for you and email that information through if you like.","start":2487.365,"end":2491.865,"sentiment":"neutral","sentiment_score":0.07260765158571303},{"text":"Yeah.","start":2493.365,"end":2493.685,"sentiment":"positive","sentiment_score":0.3784714937210083},{"text":"Beautiful.","start":2493.685,"end":2494.185,"sentiment":"positive","sentiment_score":0.6719177961349487}],"sentiment":"neutral","sentiment_score":0.09095646309681603,"num_words":61,"start":2474.07,"end":2494.185},{"sentences":[{"text":"Just so you've got a bit of information around who to contact, how it works, and then you can kinda go from there to make it a bit easier on you.","start":2494.245,"end":2501.9,"sentiment":"positive","sentiment_score":0.3551482702455213},{"text":"No.","start":2504.52,"end":2504.76,"sentiment":"neutral","sentiment_score":-0.00548253208398819},{"text":"That's okay.","start":2504.76,"end":2505.4,"sentiment":"neutral","sentiment_score":0.06228949502110481},{"text":"Not a problem at all.","start":2505.4,"end":2506.2798,"sentiment":"neutral","sentiment_score":0.25945140719413756},{"text":"I'll get that email drawn up for you.","start":2506.2798,"end":2507.96,"sentiment":"neutral","sentiment_score":0.3151620514690876}],"sentiment":"neutral","sentiment_score":0.3180265166658036,"num_words":47,"start":2494.245,"end":2507.96},{"sentences":[{"text":"It's not a problem.","start":2507.96,"end":2509.18,"sentiment":"neutral","sentiment_score":0.29493429511785507},{"text":"When we're sort of looking at the advice moving forward, we originally had here that, realistically, you were hoping to retire around about the age 67.","start":2510.105,"end":2518.025,"sentiment":"neutral","sentiment_score":0.08788791399162549},{"text":"Now you are still really young.","start":2518.025,"end":2519.625,"sentiment":"neutral","sentiment_score":-0.03965370232860247},{"text":"You have a lot of time on your side.","start":2519.625,"end":2521.645,"sentiment":"neutral","sentiment_score":-0.17098190097345245},{"text":"You reckon you'll be working longer?","start":2522.1848,"end":2523.885,"sentiment":"neutral","sentiment_score":-0.04693229931096236}],"sentiment":"neutral","sentiment_score":0.027577839718729843,"num_words":51,"start":2507.96,"end":2523.885},{"sentences":[{"text":"Yep.","start":2529.27,"end":2529.77,"sentiment":"neutral","sentiment_score":0.01798720844089985},{"text":"For save goals wise, did you want me to work on 67?","start":2530.23,"end":2534.71,"sentiment":"neutral","sentiment_score":-0.0010711565846577287},{"text":"Because that is the age at the moment that you're able to access the age pension.","start":2534.71,"end":2538.81,"sentiment":"neutral","sentiment_score":-0.0008332179277203977},{"text":"Look.","start":2539.205,"end":2539.365,"sentiment":"neutral","sentiment_score":0.03545519709587097},{"text":"I'm the same age as you, so I hope we could still have the age pension.","start":2539.365,"end":2544.185,"sentiment":"neutral","sentiment_score":0.051884202752262354}],"sentiment":"neutral","sentiment_score":0.018639223558990205,"num_words":46,"start":2529.27,"end":2544.185},{"sentences":[{"text":"But yeah.","start":2545.445,"end":2548.005,"sentiment":"neutral","sentiment_score":0.020606334321200848},{"text":"Age of 70?","start":2548.005,"end":2548.905,"sentiment":"neutral","sentiment_score":0.031175415342052776},{"text":"Absolutely.","start":2548.965,"end":2549.465,"sentiment":"neutral","sentiment_score":0.20284172892570496},{"text":"I can do that for you.","start":2549.685,"end":2550.805,"sentiment":"positive","sentiment_score":0.38309161365032196},{"text":"Beautiful.","start":2550.805,"end":2551.285,"sentiment":"positive","sentiment_score":0.723839521408081}],"sentiment":"neutral","sentiment_score":0.25845921899263674,"num_words":13,"start":2545.445,"end":2551.285},{"sentences":[{"text":"With the advice, I only factor in the next five to ten years currently, because, realistically, there's a lot of changes that could happen in your life in that time frame.","start":2551.285,"end":2560.06,"sentiment":"neutral","sentiment_score":0.14751938814597745},{"text":"But in the back end, we do kind of look a bit deeper and find out where we're sort of tracking longer term.","start":2560.3599,"end":2564.92,"sentiment":"neutral","sentiment_score":0.06215640416611796},{"text":"That's absolutely fine.","start":2564.92,"end":2566.3,"sentiment":"positive","sentiment_score":0.35509838660558063},{"text":"We originally had here that you were hoping to draw about a thousand dollars a week income in retirement from your super.","start":2567.535,"end":2573.695,"sentiment":"neutral","sentiment_score":0.043870330280201},{"text":"I know down the track that could absolutely change.","start":2573.695,"end":2575.855,"sentiment":"neutral","sentiment_score":-0.014214246223370234}],"sentiment":"neutral","sentiment_score":0.08983196066269143,"num_words":88,"start":2551.285,"end":2575.855},{"sentences":[{"text":"That is in today's dollars, which could be needs to be a lot higher down the track.","start":2575.855,"end":2580.435,"sentiment":"neutral","sentiment_score":-0.02694667919593699},{"text":"But do you still feel a thousand dollars would be, you know, what you'd hope to draw down income wise in today's dollars in the future?","start":2580.95,"end":2589.2898,"sentiment":"neutral","sentiment_score":-0.04275095863984181},{"text":"Yeah.","start":2592.95,"end":2593.3499,"sentiment":"neutral","sentiment_score":-0.034052856266498566},{"text":"Yeah.","start":2593.3499,"end":2593.75,"sentiment":"neutral","sentiment_score":-0.0508970245718956},{"text":"That's okay.","start":2593.75,"end":2594.5698,"sentiment":"neutral","sentiment_score":-0.20173538476228714}],"sentiment":"neutral","sentiment_score":-0.04378806641127201,"num_words":47,"start":2575.855,"end":2594.5698},{"sentences":[{"text":"That's okay.","start":2599.965,"end":2600.7651,"sentiment":"neutral","sentiment_score":0.08412924408912659},{"text":"What you kinda tell us now just gives us a base for a goal on how we're sort of tracking forward.","start":2600.7651,"end":2605.425,"sentiment":"neutral","sentiment_score":0.06965074386625063},{"text":"However, when you actually get to the years that you decide you wanna retire, we'll look a lot deeper at what you actually need to draw down, look at how we draw that down, whether we can incorporate Centrelink, and what other advice we provide to make sure it lasts as long as possible for you.","start":2605.725,"end":2621.1802,"sentiment":"neutral","sentiment_score":0.052005501896409054},{"text":"Okay?","start":2621.1802,"end":2621.6802,"sentiment":"neutral","sentiment_score":0.08209790289402008},{"text":"At the moment, it's just giving us a base for a goal, and we know that can absolutely change due to so many factors down the track.","start":2621.82,"end":2628.6648,"sentiment":"neutral","sentiment_score":0.10821081739332941}],"sentiment":"neutral","sentiment_score":0.07053291764562931,"num_words":107,"start":2599.965,"end":2628.6648},{"sentences":[{"text":"Okay?","start":2628.6648,"end":2629.1648,"sentiment":"neutral","sentiment_score":0.09561960399150848},{"text":"Excellent.","start":2631.065,"end":2631.565,"sentiment":"positive","sentiment_score":0.4783210158348083},{"text":"All good.","start":2631.865,"end":2632.605,"sentiment":"positive","sentiment_score":0.4613877683877945},{"text":"There just to kind of recap, so I'm gonna go back and review the super for you.","start":2633.7048,"end":2637.7048,"sentiment":"neutral","sentiment_score":0.1524594647481161},{"text":"Also, have a look at the underlying investments there.","start":2637.7048,"end":2640.4448,"sentiment":"neutral","sentiment_score":0.05950589312447442}],"sentiment":"neutral","sentiment_score":0.1541360031813383,"num_words":30,"start":2628.6648,"end":2640.4448},{"sentences":[{"text":"I'll check your risk profile shortly to make sure that everything is in line with that correctly.","start":2640.72,"end":2645.3,"sentiment":"neutral","sentiment_score":0.09033519007703837},{"text":"We're happy to retain the insurances at the moment, but I'll look at trying to get you some income protection to make sure it's paid for inside super.","start":2645.92,"end":2653.68,"sentiment":"neutral","sentiment_score":0.3280031271278858},{"text":"We're not looking at any new cover outside of super.","start":2653.68,"end":2656.565,"sentiment":"neutral","sentiment_score":0.005510641261935234},{"text":"Not looking at any additional contributions at the moment to kinda limit the expenses on your cash flow.","start":2657.025,"end":2662.565,"sentiment":"neutral","sentiment_score":0.0688849524077442},{"text":"And estate planning, we're just making sure that your will and power of attorney get done up in the future, and you're happy with your beneficiaries as they are.","start":2664.2249,"end":2672.16,"sentiment":"positive","sentiment_score":0.4064014733865343}],"sentiment":"neutral","sentiment_score":0.23333788308881076,"num_words":102,"start":2640.72,"end":2672.16},{"sentences":[{"text":"Does that sound correct?","start":2672.16,"end":2673.28,"sentiment":"neutral","sentiment_score":0.16924544237554073},{"text":"Have I missed anything?","start":2673.28,"end":2674.5,"sentiment":"neutral","sentiment_score":-0.03105211816728115},{"text":"Perfect.","start":2678.0798,"end":2678.48,"sentiment":"positive","sentiment_score":0.6673625707626343},{"text":"Do you have any other goals that you're sort of looking to achieve down the track that you might, you know, be wanting us to sort of help with further down the track?","start":2678.48,"end":2686.845,"sentiment":"neutral","sentiment_score":0.28058088503100653},{"text":"Can be anything.","start":2687.005,"end":2688.705,"sentiment":"neutral","sentiment_score":0.08527865260839462}],"sentiment":"neutral","sentiment_score":0.23855868958764606,"num_words":45,"start":2672.16,"end":2688.705},{"sentences":[{"text":"That's okay.","start":2689.085,"end":2689.965,"sentiment":"neutral","sentiment_score":0.06351854652166367},{"text":"No.","start":2689.965,"end":2690.205,"sentiment":"neutral","sentiment_score":0.10525389015674592},{"text":"That's okay.","start":2690.205,"end":2691.005,"sentiment":"neutral","sentiment_score":0.2148793637752533},{"text":"All good.","start":2691.005,"end":2691.645,"sentiment":"positive","sentiment_score":0.4358511567115784},{"text":"Not a problem at all.","start":2691.645,"end":2692.925,"sentiment":"neutral","sentiment_score":0.2864446878433228}],"sentiment":"neutral","sentiment_score":0.24716462194919586,"num_words":12,"start":2689.085,"end":2692.925},{"sentences":[{"text":"And just sort of looking at your home loan, you're sort of are you hoping to have that paid off by the time you get to those retirement years?","start":2693.165,"end":2699.7249,"sentiment":"neutral","sentiment_score":0.12370560318231583},{"text":"Is that kind of your goal with your home loan?","start":2699.7249,"end":2701.74,"sentiment":"neutral","sentiment_score":0.10308291763067245},{"text":"It is.","start":2705.1,"end":2705.58,"sentiment":"neutral","sentiment_score":0.03940878435969353},{"text":"It is.","start":2705.58,"end":2705.9,"sentiment":"neutral","sentiment_score":0.01906073372811079},{"text":"It sometimes feels a lot harder than it seems, but absolutely Yeah.","start":2705.9,"end":2717.855,"sentiment":"neutral","sentiment_score":-0.09989573371907075}],"sentiment":"neutral","sentiment_score":0.06429967091164805,"num_words":55,"start":2693.165,"end":2717.855},{"sentences":[{"text":"Absolute absolutely.","start":2717.855,"end":2718.9949,"sentiment":"neutral","sentiment_score":0.24154555797576904},{"text":"It is a realistic factor these days, though, that a lot more people are retiring with still a home loan.","start":2719.4548,"end":2725.4749,"sentiment":"neutral","sentiment_score":0.08365211505442857},{"text":"I know for yourself, you've got a bit longer ahead of you.","start":2725.9348,"end":2728.575,"sentiment":"neutral","sentiment_score":0.005304452225876351},{"text":"You're only 42 this year.","start":2728.575,"end":2730.1748,"sentiment":"neutral","sentiment_score":0.0313432302325964},{"text":"So, realistically, you've got time to pay that down.","start":2730.1748,"end":2734.17,"sentiment":"neutral","sentiment_score":0.07759027058879535}],"sentiment":"neutral","sentiment_score":0.06405865479609929,"num_words":48,"start":2717.855,"end":2734.17},{"sentences":[{"text":"But there are a lot more retirees, especially baby boomers, who are retiring, who still have a mortgage, and I have to factor in that into their retirement income drawdowns, or they're using more of their super to pay that off as well.","start":2734.39,"end":2746.605,"sentiment":"neutral","sentiment_score":-0.03346282035805458},{"text":"So it's not not as easy as it was about thirty odd years ago.","start":2747.565,"end":2751.165,"sentiment":"neutral","sentiment_score":-0.22476907074451447},{"text":"We are finding it it is a lot different now.","start":2751.165,"end":2753.585,"sentiment":"neutral","sentiment_score":-0.13887026235461236},{"text":"Yeah.","start":2757.4849,"end":2757.9849,"sentiment":"neutral","sentiment_score":0.0651651993393898},{"text":"The last thing I wanna do really quickly is just your risk profile questionnaire.","start":2758.365,"end":2761.6099,"sentiment":"neutral","sentiment_score":0.05204178898462227}],"sentiment":"neutral","sentiment_score":-0.06317830053953136,"num_words":82,"start":2734.39,"end":2761.6099},{"sentences":[{"text":"I have answered most of the questions for you.","start":2761.8298,"end":2764.41,"sentiment":"neutral","sentiment_score":0.10793975756193201},{"text":"The main one I need to answer real really quickly is if you saw your super full by, say, 20% over the next one to two years due to what was happening generally in the market, how do you think you might react?","start":2765.91,"end":2778.365,"sentiment":"neutral","sentiment_score":-0.024600438686997392},{"text":"Do you think you'd be wanting to put more money in, take advantage?","start":2778.365,"end":2782.465,"sentiment":"neutral","sentiment_score":-0.21850704688292283},{"text":"Yeah?","start":2786.365,"end":2786.765,"sentiment":"neutral","sentiment_score":-0.06942014396190643},{"text":"Or I probably would tell you.","start":2786.765,"end":2787.885,"sentiment":"neutral","sentiment_score":-0.08706255753835042}],"sentiment":"neutral","sentiment_score":-0.04887150200213202,"num_words":72,"start":2761.8298,"end":2787.885},{"sentences":[{"text":"I'm a little bit too honest, So I'd probably tell you in the end review if I'm honest with you.","start":2787.885,"end":2792.37,"sentiment":"neutral","sentiment_score":-0.0632332343608141},{"text":"That's yeah.","start":2792.99,"end":2798.6902,"sentiment":"neutral","sentiment_score":-0.1967770755290985},{"text":"Yeah.","start":2800.4302,"end":2800.83,"sentiment":"neutral","sentiment_score":-0.055062562227249146},{"text":"Okay.","start":2800.83,"end":2801.33,"sentiment":"neutral","sentiment_score":-0.03181328624486923},{"text":"Yeah.","start":2804.51,"end":2804.75,"sentiment":"neutral","sentiment_score":0.005674462765455246}],"sentiment":"neutral","sentiment_score":-0.06957680895924569,"num_words":25,"start":2787.885,"end":2804.75},{"sentences":[{"text":"That's yeah.","start":2804.75,"end":2807.6848,"sentiment":"neutral","sentiment_score":0.08607607427984476},{"text":"That's absolutely fine.","start":2807.6848,"end":2808.645,"sentiment":"positive","sentiment_score":0.4034104545911153},{"text":"So I'll just tick the box and that you'd probably speak to us.","start":2808.645,"end":2811.525,"sentiment":"neutral","sentiment_score":0.19675468366879684},{"text":"Absolutely.","start":2811.525,"end":2812.025,"sentiment":"neutral","sentiment_score":0.2584855556488037},{"text":"When you think about your super I know it's not obviously the biggest priority for you at the moment, but when you think about your super, are you happy taking on more risk in the market to try and get those greater potential returns knowing there is a downside as well, or are you a little bit more nervous about the risk level that you're taking?","start":2813.045,"end":2831.56,"sentiment":"neutral","sentiment_score":-0.06871823752016733}],"sentiment":"neutral","sentiment_score":-0.003961455537115827,"num_words":85,"start":2804.75,"end":2831.56},{"sentences":[{"text":"Yep.","start":2840.965,"end":2841.2852,"sentiment":"neutral","sentiment_score":0.17928847670555115},{"text":"That's absolutely fine.","start":2841.2852,"end":2842.405,"sentiment":"positive","sentiment_score":0.34281569719314575},{"text":"Not a problem at all.","start":2842.405,"end":2843.5251,"sentiment":"positive","sentiment_score":0.41944308280944825},{"text":"That's easy done.","start":2843.5251,"end":2844.325,"sentiment":"positive","sentiment_score":0.4594896634419759},{"text":"So, look, realistically, at the moment, you are in that growth kind of environment there.","start":2844.325,"end":2848.87,"sentiment":"neutral","sentiment_score":0.12496123313903809}],"sentiment":"neutral","sentiment_score":0.24288290628680476,"num_words":27,"start":2840.965,"end":2848.87},{"sentences":[{"text":"For your age and stage, the growth portfolio does suit you.","start":2848.87,"end":2852.33,"sentiment":"neutral","sentiment_score":0.22904985601251776},{"text":"It does suit someone who's not gonna access super for the next six years.","start":2852.4702,"end":2856.07,"sentiment":"neutral","sentiment_score":0.10507332001413618},{"text":"Given your age and stage, most people of yours and my age would be in that kind of environment there.","start":2856.07,"end":2861.525,"sentiment":"neutral","sentiment_score":0.09454400315880776},{"text":"You see 80% invested in those growth assets to try and get greater potential growth.","start":2861.9849,"end":2866.545,"sentiment":"neutral","sentiment_score":0.24160662392775217},{"text":"So thinking Australian international shares, listed property, and some gold and silver here and there as well, and then still having some of those low risk defensive investments to kinda mitigate long term ups and downs.","start":2866.545,"end":2878.8,"sentiment":"neutral","sentiment_score":0.04772245946029822}],"sentiment":"neutral","sentiment_score":0.11691211311457057,"num_words":96,"start":2848.87,"end":2878.8},{"sentences":[{"text":"You can expect a negative return around about one in every five years is the expectation.","start":2879.26,"end":2884.4001,"sentiment":"neutral","sentiment_score":-0.18803010322153568},{"text":"And the growth portfolio, we wanna try and achieve around about seven to 9% on an average basis compounding forward.","start":2885.82,"end":2892.615,"sentiment":"neutral","sentiment_score":0.05127164628356695},{"text":"Do you like, realistically, you're in that kind of environment and you can stay in that environment.","start":2892.995,"end":2897.815,"sentiment":"neutral","sentiment_score":0.08004427252008635},{"text":"It suits your time horizon.","start":2897.875,"end":2899.495,"sentiment":"neutral","sentiment_score":0.16075898408889772},{"text":"You're not accessing super, you can wade through the down times before you're gonna draw anything out under legislation.","start":2899.8,"end":2905.98,"sentiment":"neutral","sentiment_score":-0.020700774106540178}],"sentiment":"neutral","sentiment_score":-0.0027508555923576477,"num_words":77,"start":2879.26,"end":2905.98},{"sentences":[{"text":"I would be happy to keep you in that portfolio.","start":2906.9202,"end":2909.34,"sentiment":"positive","sentiment_score":0.37852047979831693},{"text":"Do you feel like that is your comfort level?","start":2910.12,"end":2912.2,"sentiment":"neutral","sentiment_score":0.0739851449098852},{"text":"Does any of what I've just said concern you in any way?","start":2912.2,"end":2914.935,"sentiment":"neutral","sentiment_score":-0.1249075202892224},{"text":"No.","start":2916.695,"end":2917.0151,"sentiment":"neutral","sentiment_score":-0.11651279777288436},{"text":"Beautiful.","start":2917.0151,"end":2917.5151,"sentiment":"neutral","sentiment_score":0.12535731494426727}],"sentiment":"neutral","sentiment_score":0.08972804169311668,"num_words":33,"start":2906.9202,"end":2917.5151},{"sentences":[{"text":"Excellent.","start":2917.735,"end":2918.235,"sentiment":"neutral","sentiment_score":0.24385662376880649},{"text":"Does any of what I does all of that kinda make sense?","start":2918.695,"end":2921.415,"sentiment":"neutral","sentiment_score":0.12803607247769833},{"text":"Do you have any questions?","start":2921.415,"end":2922.715,"sentiment":"neutral","sentiment_score":0.027445440366864204},{"text":"No?","start":2925.575,"end":2925.895,"sentiment":"neutral","sentiment_score":0.0013695377856492996},{"text":"All good.","start":2925.895,"end":2926.635,"sentiment":"positive","sentiment_score":0.3344620168209076}],"sentiment":"neutral","sentiment_score":0.12322906032204628,"num_words":21,"start":2917.735,"end":2926.635},{"sentences":[{"text":"Perfect.","start":2926.935,"end":2927.435,"sentiment":"positive","sentiment_score":0.43950778245925903},{"text":"Well, what I'll do is I'll go back and have a look at everything for you.","start":2927.6602,"end":2930.54,"sentiment":"neutral","sentiment_score":0.19155867723748088},{"text":"I do need to book in a really quick pre assessment with one of my colleagues.","start":2930.54,"end":2933.74,"sentiment":"neutral","sentiment_score":0.06955170771107078},{"text":"Is there a day maybe this week or next week that would suit you in the afternoon or whatever time suits you to kinda go through a quick pre assessment with my team?","start":2933.74,"end":2942.96,"sentiment":"neutral","sentiment_score":0.06429166335499648},{"text":"That's okay.","start":2949.8948,"end":2950.795,"sentiment":"neutral","sentiment_score":0.09875398874282837}],"sentiment":"neutral","sentiment_score":0.10200598249759744,"num_words":68,"start":2926.935,"end":2950.795},{"sentences":[{"text":"Tomorrow, it does look we like, we are fully booked.","start":2950.855,"end":2953.9949,"sentiment":"neutral","sentiment_score":0.09199499487876892},{"text":"I could do next Monday.","start":2954.135,"end":2956.2349,"sentiment":"neutral","sentiment_score":0.060662321746349335},{"text":"Uh-huh.","start":2960.4001,"end":2960.9001,"sentiment":"neutral","sentiment_score":0.027952492237091064},{"text":"Yep.","start":2969.36,"end":2969.775,"sentiment":"neutral","sentiment_score":0.10896407067775726},{"text":"Absolutely.","start":2970.095,"end":2970.595,"sentiment":"neutral","sentiment_score":0.22465500235557556}],"sentiment":"neutral","sentiment_score":0.08804628459943666,"num_words":18,"start":2950.855,"end":2970.595},{"sentences":[{"text":"We can do that.","start":2970.7349,"end":2971.535,"sentiment":"neutral","sentiment_score":0.18935595080256462},{"text":"Not a problem at all.","start":2971.535,"end":2972.7349,"sentiment":"neutral","sentiment_score":0.198825341463089},{"text":"So 10AM, Monday for the pre assessment.","start":2972.7349,"end":2975.075,"sentiment":"neutral","sentiment_score":0.08941153117588588},{"text":"Beautiful.","start":2977.375,"end":2977.875,"sentiment":"positive","sentiment_score":0.603192150592804},{"text":"Thank you so much for that, Christopher.","start":2978.1748,"end":2979.875,"sentiment":"positive","sentiment_score":0.6235097220965794}],"sentiment":"neutral","sentiment_score":0.30604964308440685,"num_words":24,"start":2970.7349,"end":2979.875},{"sentences":[{"text":"Once my team members have done that pre assessment with you, they'll your SOA presentation for a couple of weeks.","start":2980.6548,"end":2987.13,"sentiment":"neutral","sentiment_score":0.2880005143582821},{"text":"And in the meantime, I'll go back and do that research just so we have those, you know, dates flagged for you so you know we are kinda coming back and not sort of missing on anything for you.","start":2987.13,"end":2997.29,"sentiment":"neutral","sentiment_score":0.2003686481561416},{"text":"Okay?","start":2997.29,"end":2997.79,"sentiment":"neutral","sentiment_score":0.1362874060869217},{"text":"Excellent.","start":2999.565,"end":3000.045,"sentiment":"positive","sentiment_score":0.5025687217712402},{"text":"Thank you so much for that.","start":3000.045,"end":3001.325,"sentiment":"positive","sentiment_score":0.6248246928056082}],"sentiment":"neutral","sentiment_score":0.2680924156708504,"num_words":67,"start":2980.6548,"end":3001.325},{"sentences":[{"text":"Now I have got the email there and sent that through with your ongoing service agreement.","start":3001.325,"end":3005.185,"sentiment":"neutral","sentiment_score":0.23694204282946885},{"text":"It does just have your ongoing service fee, which is 1.65% as it has been in the past.","start":3005.325,"end":3010.5,"sentiment":"neutral","sentiment_score":0.11666243647535642},{"text":"Because your balance is lower now, your ongoing service fee is expected to be lower.","start":3010.98,"end":3015.0,"sentiment":"neutral","sentiment_score":0.1533468539516131},{"text":"So for the year, we do expect the fee to be about $972.63, which is paid out of Hub twenty four.","start":3015.38,"end":3022.82,"sentiment":"neutral","sentiment_score":0.1688860140386082},{"text":"So if you're happy with staying on board, I'll just get you to sign and return that back for me, and I'll see what I can do about making you super work harder and, you know, getting you some insurances and seeing what we can do to help you out.","start":3022.82,"end":3034.245,"sentiment":"neutral","sentiment_score":0.30466992378234864}],"sentiment":"neutral","sentiment_score":0.22476084862525264,"num_words":120,"start":3001.325,"end":3034.245},{"sentences":[{"text":"Alright?","start":3034.245,"end":3034.745,"sentiment":"positive","sentiment_score":0.42954009771347046},{"text":"Thank you so much for your time.","start":3037.1602,"end":3038.52,"sentiment":"positive","sentiment_score":0.8606035368783134},{"text":"I really appreciate it.","start":3038.52,"end":3039.72,"sentiment":"positive","sentiment_score":0.8510257005691528},{"text":"I know you're at work, so I hope you have a good afternoon or a good evening, good night.","start":3039.72,"end":3044.1401,"sentiment":"positive","sentiment_score":0.5838544180518702},{"text":"Thanks, Christopher.","start":3046.76,"end":3047.6401,"sentiment":"positive","sentiment_score":0.6504639089107513}],"sentiment":"positive","sentiment_score":0.6743039217862216,"num_words":33,"start":3034.245,"end":3047.6401},{"sentences":[{"text":"I'll talk to you soon.","start":3047.6401,"end":3048.52,"sentiment":"positive","sentiment_score":0.458275294303894},{"text":"See you later.","start":3048.52,"end":3049.4202,"sentiment":"positive","sentiment_score":0.4065414269765218},{"text":"Bye.","start":3050.9202,"end":3051.4202,"sentiment":"neutral","sentiment_score":-0.11102000623941422}],"sentiment":"positive","sentiment_score":0.3777756384677357,"num_words":9,"start":3047.6401,"end":3051.4202}]}}]},{"alternatives":[{"transcript":"I like this, buddy. Good. How are you? Yep. Alright. I just started the truck. Hang on. Let me take up with my e badge in and In Nigeria. That's fine. Christopher Love, put thirty five to fifty 9 At 8488 Grand Vista Boulevard, Burberry, Victoria 3030. Yeah. I got it. Yep. I'm opening it now. Yeah. Not too bad. I just yeah. I like to just work it up. I guess. That's great. I'll I'll I'll work it out too. No. Not yet. Not yet. I've just just recently got the the payment came through yesterday, the money We're released, and and I'm going in the end of next month to get them done. Yeah. I'm having full full full mouth implants, Top and bottom bridge. Yep. So I go in on the the first day and have all the teeth of the legs ripped out on the screws put in. I go in the very next day to get my healing teeth put in, And then I think it's every three months I get a new set of teeth until I think it's at the twelve month mark. That's when I get what they call you forever teeth, the ones that you'll have. Yeah. Well well, it's a it depends on who you go through and what you get. Some places you go in, get the teeth done, get your teeth put in, and that's it. They don't they don't do any more than that. But the people I go through are one of the the only people that actually started doing it, and they it it's a good twelve month process that they take. And so they should see the amount of money I'm paying. Obviously. Yeah. Yep. Yep. Absolutely. And that's why it's with you guys, so you guys do all that for me, and I don't have to worry about it because I know nothing about Super. That's why I went with you guys. Yep. I'm wanting you to do whatever is best in my interest. I want I want that's that's like I said, that's why you guys are there because you guys know what you're doing. You make the decisions and just go with whatever you guys decide. I don't care if I lose I don't lose everything. Yeah. That's fine. Yes. Yep. Okay. I can't remember. I don't I don't think they have any information. I I think I may have got the letter, but I'm not uneventful. I thought I thought I I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I Yep. That's why you've got us the recreational drug use, that was well, I've I've heard you said that again. Yeah. Very long time ago. Yes. I was that is it ain't easy, I think. Yep. Look. No. It's not. I I I understand it. I just don't understand why they declined me back then, but yet when I applied for life insurance and gave them all the exact same details as you've got there, they've they've covered me. No worries. No. No. No. No. No. No. I've got life insurance now, actually, because, yeah, because I couldn't I was having trouble getting insurance through the super and all that. I actually went out, and I got myself life insurance. So and I I only went for a small amount. I only went like, when I said small amounts, $8,800,000. So I I I actually got approved for that within, yeah, I'd say half an hour. By the time they I hung up on the call and they did all their checks and all that and called me back and approved me. So I do have life insurance, so I'm not overly fussed with my super insurance. But as as my OPAR used to always say, the more the better. Yes. That's right. Yeah. It's because I haven't saved them in that long. Yeah. There you there you're testing me. I have to have that. Now you're on a second. It should be out of the two. No idea. Yeah. I I think it's one of them because I was gonna go through Suncorp because I took my home insurance and cars and everything a week, but they they said no base basically to some of my health issues in the past, but also my line of work. So all sort of a right. Yeah. We we we you're better off going with a insurance broker or something along them lines. I went through them and like I said, yeah, they no dramas in covering me. They offered me a lot more money, but, obviously, at a lot higher lot higher cost. So give it again. Here we go. Direct cover. Yeah. Oh, I just went through my bank to see who I was paying. This I've got my alright. My mhmm. Might be able to okay. Alright. Who's uncle? That would be funny. Let me so where would I find that? Direct coverage trading name of Nielsen Financial Services that does a agent of insure Hallmark Life Insurance Company. Yeah. And Hallmark Life is part of St. Andrew's Insurance Group. I'm just reading all the from the bottom of the email there. Because it just says direct cover is is a trading name of Nelson's Financial Services. Direct cover products are insured and managed by direct cover as agent of the insurer, Hallmark Life Insurance Company. I don't know if will it be an ABN and a s AFSL number or anything? Oh, yeah. There we go. And and the right product is changing changing the right ear and playing with. K. I've nearly nearly a million dollars. Yep. I so it's all nonbinding to go to the kid's mom. I've still got I've still got to get a will done, but once once all that money comes through, it will obviously pay off all the debts, the house, the the the car, and all that. And then the rest of it goes to to her to either divvy up between everyone or just look after everyone. No. From what they told me, it means it can't be changed. And even if I didn't want the money to go if I don't change it, the money goes to them regardless. No. That's it. Nonlapsing. No. It's a it's a bind binding non lapsing. Finding non lapsing. So I don't have I don't have to sign a form every year to to to keep it up to date. That's definitely the same as Hub 24. I know that. Definitely. That's it. Yeah. I've I've I've got an immediate home every Yep. Sounds good. Yeah. I don't know. I I just I got approved, signed all the forms, and I handed the the letter they gave me with all the details on it to Carol. So she's got it all, so she knows that the life insurance is there. She's the beneficiary of it and all that. So I don't I don't. Hello? Yeah, bro. Well, I'll say I'll I'll leave it as is at the moment, but, obviously, if I change my mind, which I most likely will, I'll I'll just call up and book an appointment so we can just go through it then. Is that if that's okay? Through the life insurance or through the super? Okay. No. I don't know how that works. Yep. Yep. Yeah. Again, whatever you you think is best. Mhmm. Plus plus the eight 100,000 from my life insurance because that's got the TPD on it as well. Yes. It does. Yes. I've got I I made sure that was in there because if something was to happen in that dramatic sense, I could at least pay the house off and all all the bills would be gone. And then I would, you know, obviously, I wouldn't have an income, so I would withdraw on the supers and that. And I wanna say least comfortably, but know that the rates are paid and the bills are paid and not stressed. Oh, yeah. Yeah. So the way the way I looked at it when I signed up was at the close to a million dollars if that incident happened, which would, like I said, pay off the house, pay off the loans that I have, the credit card, and all that, and then just not overspend and try and live off the rest. 900. Yes. 100%. Instead of needing $2,000 a week, I would only need 5 hundreds. No. No. I have about Yeah. I have about seventy seventy eight days of sick leave, and I've only got about five weeks of annual leave at the moment, which will obviously go down there. If I get my teeth done, that will go down another week or two. So I've I've I've I've got about three weeks annual leave after all that plus, like I said, about nearly eighty days of sick leave. I couldn't. We're not together. Yeah. She's the my she's my kid's mother. We were together and we split, but we yeah, still very close. No. No. I I'm yeah. No. No. I'm I'm very I'm very much, unfortunately, single, but I spend I I only have weekends off work, and I spend all weekend with the kids and her and family. So Most times. That's true. If you can look into that, that that'll be much appreciated. So is that 70% of my income before tax or after tax? Before tax. Okay. No. That's okay. No. I'd I'd I'd I'd have to look at the the latter, like, the highest amount. Yeah. Yep. No. I'd I'd need to yeah. I wouldn't be able to wait that long. Yep. Yes. Yes. Yeah. Because I just I just I just looked at it. 70% of my before tax income would cover cover everything. That's just nearly $2,300. So Around 60. Yeah. So and and an average week, if I don't do any other work, I'm just working all week on before tax, just shy of 30 to $300. Nope. Everything goes to expenses. I don't have savings. Yep. My pay goes in on Thursday afternoon, and I'm broke by Sunday Sunday night. Yep. Yep. Not a problem. That's fine. That's fine. Thank you. Just shy of a $100 a month. Structure to a super if we can. It's not. No. It's a 100% off the cards. Yep. Yeah. That's fine. 7 50. I had it valued at the start of the year when I refinanced it. I was valued at two two different values came through, and they both valued it at 750. Yes. So we're always gonna go up. Cost for the 600. Yeah. You can do with their clients. Which which which which car is on file? Okay. So I've got the brand new Kia Tasman now, and I value that at yeah. I'd still value that at about 65,000. Yeah. And I've also in my in my name, I also got the yeah. I'm sorry. Another car. I'd value that at around 35,000. I have a loan on the Staria, the Kia I own outright. Around 40? 35. Yeah. About 35,000 a on it. No. Just the cars in the house. No. But that's that's that's exactly what I need to do. I've I've been thinking about it for a long time, and people have told me, oh, yeah. You can just do the three wheel kits, but I don't know how that will work or anything. So yeah. I do need to get one put in place after what happened last week with this fellow with a friend, coworker. He he had a trucker. It couldn't just the other side of the border in South Australia and died. So No. That's alright. It it happened in a lot of work, unfortunately. Yes, please. Yep. I would appreciate that. That's not gonna that's not gonna happen. Oh, if my mom is still alive, I ain't gonna be working well into the eighties. Yeah. I'd I'd say work on the age of 70. Yeah. Oh, yeah? I'm talking to that. I don't I don't I don't even remember sending that amount. Yeah. No. That's verified. Yes. Yep. Not that sounds right on point. Not really. I think that Tiggeron is gold, isn't it? Yeah. Yeah. I I I actually, I wouldn't even I wouldn't even know unless you you you guys told me. Yeah. But I I I said from the very beginning, I've got no idea about super. That's why you guys look after it because I honestly don't care about it. I just know it's there and and yeah. You guys deal with it, and I leave it alone. Yep. I'll I'll go back to my previous payments. I got no idea about it, and I really don't care. I let you guys do what you think is best and what works. Yep. Yes. Not. Not a question. We are we can do tomorrow. We can do Friday around the same time around 04:00. And if if it's Monday, then around 10:00 in the morning. Yep. Sounds good. Yep. Yeah. Good. Sounds sounds very good. Not a problem. You too. Right. Thank you. 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like this, buddy. Good. How are you? Yep. Alright.\n\nI just started the truck. Hang on. Let me take up with my e badge in and In Nigeria. That's fine. Christopher Love, put thirty five to fifty 9 At 8488 Grand Vista Boulevard, Burberry, Victoria 3030.\n\nYeah. I got it. Yep. I'm opening it now. Yeah.\n\nNot too bad. I just yeah. I like to just work it up. I guess. That's great.\n\nI'll I'll I'll work it out too. No. Not yet. Not yet. I've just just recently got the the payment came through yesterday, the money We're released, and and I'm going in the end of next month to get them done.\n\nYeah. I'm having full full full mouth implants, Top and bottom bridge. Yep. So I go in on the the first day and have all the teeth of the legs ripped out on the screws put in. I go in the very next day to get my healing teeth put in, And then I think it's every three months I get a new set of teeth until I think it's at the twelve month mark.\n\nThat's when I get what they call you forever teeth, the ones that you'll have. Yeah. Well well, it's a it depends on who you go through and what you get. Some places you go in, get the teeth done, get your teeth put in, and that's it. They don't they don't do any more than that.\n\nBut the people I go through are one of the the only people that actually started doing it, and they it it's a good twelve month process that they take. And so they should see the amount of money I'm paying. Obviously. Yeah. Yep.\n\nYep. Absolutely. And that's why it's with you guys, so you guys do all that for me, and I don't have to worry about it because I know nothing about Super. That's why I went with you guys. Yep.\n\nI'm wanting you to do whatever is best in my interest. I want I want that's that's like I said, that's why you guys are there because you guys know what you're doing. You make the decisions and just go with whatever you guys decide. I don't care if I lose I don't lose everything. Yeah.\n\nThat's fine. Yes. Yep. Okay. I can't remember.\n\nI don't I don't think they have any information. I I think I may have got the letter, but I'm not uneventful. I thought I thought I I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I Yep. That's why you've got us the recreational drug use, that was well, I've I've heard you said that again. Yeah.\n\nVery long time ago. Yes. I was that is it ain't easy, I think. Yep. Look.\n\nNo. It's not. I I I understand it. I just don't understand why they declined me back then, but yet when I applied for life insurance and gave them all the exact same details as you've got there, they've they've covered me. No worries.\n\nNo. No. No. No. No.\n\nNo. I've got life insurance now, actually, because, yeah, because I couldn't I was having trouble getting insurance through the super and all that. I actually went out, and I got myself life insurance. So and I I only went for a small amount. I only went like, when I said small amounts, $8,800,000.\n\nSo I I I actually got approved for that within, yeah, I'd say half an hour. By the time they I hung up on the call and they did all their checks and all that and called me back and approved me. So I do have life insurance, so I'm not overly fussed with my super insurance. But as as my OPAR used to always say, the more the better. Yes.\n\nThat's right. Yeah. It's because I haven't saved them in that long. Yeah. There you there you're testing me.\n\nI have to have that. Now you're on a second. It should be out of the two. No idea. Yeah.\n\nI I think it's one of them because I was gonna go through Suncorp because I took my home insurance and cars and everything a week, but they they said no base basically to some of my health issues in the past, but also my line of work. So all sort of a right. Yeah. We we we you're better off going with a insurance broker or something along them lines. I went through them and like I said, yeah, they no dramas in covering me.\n\nThey offered me a lot more money, but, obviously, at a lot higher lot higher cost. So give it again. Here we go. Direct cover. Yeah.\n\nOh, I just went through my bank to see who I was paying. This I've got my alright. My mhmm. Might be able to okay. Alright.\n\nWho's uncle? That would be funny. Let me so where would I find that? Direct coverage trading name of Nielsen Financial Services that does a agent of insure Hallmark Life Insurance Company. Yeah.\n\nAnd Hallmark Life is part of St. Andrew's Insurance Group. I'm just reading all the from the bottom of the email there. Because it just says direct cover is is a trading name of Nelson's Financial Services. Direct cover products are insured and managed by direct cover as agent of the insurer, Hallmark Life Insurance Company.\n\nI don't know if will it be an ABN and a s AFSL number or anything? Oh, yeah. There we go. And and the right product is changing changing the right ear and playing with. K.\n\nI've nearly nearly a million dollars. Yep. I so it's all nonbinding to go to the kid's mom. I've still got I've still got to get a will done, but once once all that money comes through, it will obviously pay off all the debts, the house, the the the car, and all that. And then the rest of it goes to to her to either divvy up between everyone or just look after everyone.\n\nNo. From what they told me, it means it can't be changed. And even if I didn't want the money to go if I don't change it, the money goes to them regardless. No. That's it.\n\nNonlapsing. No. It's a it's a bind binding non lapsing. Finding non lapsing. So I don't have I don't have to sign a form every year to to to keep it up to date.\n\nThat's definitely the same as Hub 24. I know that. Definitely. That's it. Yeah.\n\nI've I've I've got an immediate home every Yep. Sounds good. Yeah. I don't know. I I just I got approved, signed all the forms, and I handed the the letter they gave me with all the details on it to Carol.\n\nSo she's got it all, so she knows that the life insurance is there. She's the beneficiary of it and all that. So I don't I don't. Hello? Yeah, bro.\n\nWell, I'll say I'll I'll leave it as is at the moment, but, obviously, if I change my mind, which I most likely will, I'll I'll just call up and book an appointment so we can just go through it then. Is that if that's okay? Through the life insurance or through the super? Okay. No.\n\nI don't know how that works. Yep. Yep. Yeah. Again, whatever you you think is best.\n\nMhmm. Plus plus the eight 100,000 from my life insurance because that's got the TPD on it as well. Yes. It does. Yes.\n\nI've got I I made sure that was in there because if something was to happen in that dramatic sense, I could at least pay the house off and all all the bills would be gone. And then I would, you know, obviously, I wouldn't have an income, so I would withdraw on the supers and that. And I wanna say least comfortably, but know that the rates are paid and the bills are paid and not stressed. Oh, yeah. Yeah.\n\nSo the way the way I looked at it when I signed up was at the close to a million dollars if that incident happened, which would, like I said, pay off the house, pay off the loans that I have, the credit card, and all that, and then just not overspend and try and live off the rest. 900. Yes. 100%. Instead of needing $2,000 a week, I would only need 5 hundreds.\n\nNo. No. I have about Yeah. I have about seventy seventy eight days of sick leave, and I've only got about five weeks of annual leave at the moment, which will obviously go down there. If I get my teeth done, that will go down another week or two.\n\nSo I've I've I've I've got about three weeks annual leave after all that plus, like I said, about nearly eighty days of sick leave. I couldn't. We're not together. Yeah. She's the my she's my kid's mother.\n\nWe were together and we split, but we yeah, still very close. No. No. I I'm yeah. No.\n\nNo. I'm I'm very I'm very much, unfortunately, single, but I spend I I only have weekends off work, and I spend all weekend with the kids and her and family. So Most times. That's true. If you can look into that, that that'll be much appreciated.\n\nSo is that 70% of my income before tax or after tax? Before tax. Okay. No. That's okay.\n\nNo. I'd I'd I'd I'd have to look at the the latter, like, the highest amount. Yeah. Yep. No.\n\nI'd I'd need to yeah. I wouldn't be able to wait that long. Yep. Yes. Yes.\n\nYeah. Because I just I just I just looked at it. 70% of my before tax income would cover cover everything. That's just nearly $2,300. So Around 60.\n\nYeah. So and and an average week, if I don't do any other work, I'm just working all week on before tax, just shy of 30 to $300. Nope. Everything goes to expenses. I don't have savings.\n\nYep. My pay goes in on Thursday afternoon, and I'm broke by Sunday Sunday night. Yep. Yep. Not a problem.\n\nThat's fine. That's fine. Thank you. Just shy of a $100 a month. Structure to a super if we can.\n\nIt's not. No. It's a 100% off the cards. Yep. Yeah.\n\nThat's fine. 7 50. I had it valued at the start of the year when I refinanced it. I was valued at two two different values came through, and they both valued it at 750. Yes.\n\nSo we're always gonna go up. Cost for the 600. Yeah. You can do with their clients. Which which which which car is on file?\n\nOkay. So I've got the brand new Kia Tasman now, and I value that at yeah. I'd still value that at about 65,000. Yeah. And I've also in my in my name, I also got the yeah.\n\nI'm sorry. Another car. I'd value that at around 35,000. I have a loan on the Staria, the Kia I own outright. Around 40?\n\n35. Yeah. About 35,000 a on it. No. Just the cars in the house.\n\nNo. But that's that's that's exactly what I need to do. I've I've been thinking about it for a long time, and people have told me, oh, yeah. You can just do the three wheel kits, but I don't know how that will work or anything. So yeah.\n\nI do need to get one put in place after what happened last week with this fellow with a friend, coworker. He he had a trucker. It couldn't just the other side of the border in South Australia and died. So No. That's alright.\n\nIt it happened in a lot of work, unfortunately. Yes, please. Yep. I would appreciate that. That's not gonna that's not gonna happen.\n\nOh, if my mom is still alive, I ain't gonna be working well into the eighties. Yeah. I'd I'd say work on the age of 70. Yeah. Oh, yeah?\n\nI'm talking to that. I don't I don't I don't even remember sending that amount. Yeah. No. That's verified.\n\nYes. Yep. Not that sounds right on point. Not really. I think that Tiggeron is gold, isn't it?\n\nYeah. Yeah. I I I actually, I wouldn't even I wouldn't even know unless you you you guys told me. Yeah. But I I I said from the very beginning, I've got no idea about super.\n\nThat's why you guys look after it because I honestly don't care about it. I just know it's there and and yeah. You guys deal with it, and I leave it alone. Yep. I'll I'll go back to my previous payments.\n\nI got no idea about it, and I really don't care. I let you guys do what you think is best and what works. Yep. Yes. Not.\n\nNot a question. We are we can do tomorrow. We can do Friday around the same time around 04:00. And if if it's Monday, then around 10:00 in the morning. Yep.\n\nSounds good. Yep. Yeah. Good. Sounds sounds very good.\n\nNot a problem. You too. Right. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"I like this, buddy.","start":0.79999995,"end":6.8999996,"sentiment":"positive","sentiment_score":0.4398546740412712},{"text":"Good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.4497447609901428},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.3193575143814087},{"text":"Yep.","start":16.025,"end":16.525,"sentiment":"neutral","sentiment_score":0.19367775321006775},{"text":"Alright.","start":27.06,"end":27.56,"sentiment":"neutral","sentiment_score":0.025430021807551384}],"sentiment":"positive","sentiment_score":0.3386343775317073,"num_words":10,"start":0.79999995,"end":27.56},{"sentences":[{"text":"I just started the truck.","start":28.5,"end":29.699999,"sentiment":"neutral","sentiment_score":-0.001676056906580925},{"text":"Hang on.","start":29.699999,"end":30.02,"sentiment":"neutral","sentiment_score":0.0203082412481308},{"text":"Let me take up with my e badge in and In Nigeria.","start":30.02,"end":44.405,"sentiment":"neutral","sentiment_score":0.03900365120110413},{"text":"That's fine.","start":54.864998,"end":55.605,"sentiment":"neutral","sentiment_score":0.2111075296998024},{"text":"Christopher Love, put thirty five to fifty 9 At 8488 Grand Vista Boulevard, Burberry, Victoria 3030.","start":65.47,"end":71.57,"sentiment":"neutral","sentiment_score":0.019060396880377084}],"sentiment":"neutral","sentiment_score":0.03317463302330391,"num_words":37,"start":28.5,"end":71.57},{"sentences":[{"text":"Yeah.","start":71.685,"end":72.185,"sentiment":"neutral","sentiment_score":0.14205431938171387},{"text":"I got it.","start":75.45375,"end":83.49125,"sentiment":"neutral","sentiment_score":0.12177655970056851},{"text":"Yep.","start":92.520004,"end":93.020004,"sentiment":"neutral","sentiment_score":0.14459960162639618},{"text":"I'm opening it now.","start":93.08,"end":98.76,"sentiment":"neutral","sentiment_score":0.13309072330594063},{"text":"Yeah.","start":98.76,"end":99.08,"sentiment":"neutral","sentiment_score":0.12236805260181428}],"sentiment":"neutral","sentiment_score":0.13067145459353924,"num_words":10,"start":71.685,"end":99.08},{"sentences":[{"text":"Not too bad.","start":99.08,"end":99.72,"sentiment":"neutral","sentiment_score":0.15662303566932678},{"text":"I just yeah.","start":99.72,"end":101.575005,"sentiment":"neutral","sentiment_score":0.15387840569019318},{"text":"I like to just work it up.","start":101.575005,"end":103.355,"sentiment":"neutral","sentiment_score":0.25161811070782797},{"text":"I guess.","start":103.975006,"end":104.555,"sentiment":"neutral","sentiment_score":0.1404377818107605},{"text":"That's great.","start":108.775,"end":109.575005,"sentiment":"positive","sentiment_score":0.4209005981683731}],"sentiment":"neutral","sentiment_score":0.2244416387642131,"num_words":17,"start":99.08,"end":109.575005},{"sentences":[{"text":"I'll I'll I'll work it out too.","start":109.575005,"end":111.195,"sentiment":"neutral","sentiment_score":0.19006961158343724},{"text":"No.","start":116.82,"end":117.32,"sentiment":"neutral","sentiment_score":-0.0435493066906929},{"text":"Not yet.","start":117.46,"end":118.02,"sentiment":"neutral","sentiment_score":-0.09776222333312035},{"text":"Not yet.","start":118.02,"end":118.5,"sentiment":"neutral","sentiment_score":-0.09238933399319649},{"text":"I've just just recently got the the payment came through yesterday, the money We're released, and and I'm going in the end of next month to get them done.","start":118.5,"end":134.595,"sentiment":"neutral","sentiment_score":0.14198917291801552}],"sentiment":"neutral","sentiment_score":0.12254441156983376,"num_words":41,"start":109.575005,"end":134.595},{"sentences":[{"text":"Yeah.","start":135.695,"end":136.195,"sentiment":"neutral","sentiment_score":0.15273074805736542},{"text":"I'm having full full full mouth implants, Top and bottom bridge.","start":137.855,"end":142.39,"sentiment":"neutral","sentiment_score":0.11702015792781656},{"text":"Yep.","start":159.905,"end":160.305,"sentiment":"neutral","sentiment_score":0.0321246013045311},{"text":"So I go in on the the first day and have all the teeth of the legs ripped out on the screws put in.","start":160.305,"end":166.245,"sentiment":"neutral","sentiment_score":0.03408646288638314},{"text":"I go in the very next day to get my healing teeth put in, And then I think it's every three months I get a new set of teeth until I think it's at the twelve month mark.","start":167.42499,"end":179.18,"sentiment":"neutral","sentiment_score":0.0369620871190962}],"sentiment":"neutral","sentiment_score":0.04926282008488973,"num_words":75,"start":135.695,"end":179.18},{"sentences":[{"text":"That's when I get what they call you forever teeth, the ones that you'll have.","start":179.18,"end":182.64,"sentiment":"neutral","sentiment_score":0.03664191762606303},{"text":"Yeah.","start":188.375,"end":188.875,"sentiment":"neutral","sentiment_score":0.038990020751953125},{"text":"Well well, it's a it depends on who you go through and what you get.","start":190.615,"end":194.05501,"sentiment":"neutral","sentiment_score":-0.006780513562262058},{"text":"Some places you go in, get the teeth done, get your teeth put in, and that's it.","start":194.05501,"end":198.23999,"sentiment":"neutral","sentiment_score":-0.017507185282952645},{"text":"They don't they don't do any more than that.","start":198.23999,"end":199.92,"sentiment":"neutral","sentiment_score":-0.05239029766784774}],"sentiment":"neutral","sentiment_score":-0.004951293808979946,"num_words":57,"start":179.18,"end":199.92},{"sentences":[{"text":"But the people I go through are one of the the only people that actually started doing it, and they it it's a good twelve month process that they take.","start":199.92,"end":209.895,"sentiment":"neutral","sentiment_score":0.003737001245220502},{"text":"And so they should see the amount of money I'm paying.","start":213.735,"end":215.99501,"sentiment":"neutral","sentiment_score":0.008313029835169966},{"text":"Obviously.","start":232.90999,"end":233.39,"sentiment":"neutral","sentiment_score":0.034659840166568756},{"text":"Yeah.","start":233.39,"end":233.89,"sentiment":"neutral","sentiment_score":0.04836518317461014},{"text":"Yep.","start":249.915,"end":250.415,"sentiment":"neutral","sentiment_score":0.07550893723964691}],"sentiment":"neutral","sentiment_score":0.008229257411916147,"num_words":44,"start":199.92,"end":250.415},{"sentences":[{"text":"Yep.","start":250.475,"end":250.975,"sentiment":"neutral","sentiment_score":0.10486038774251938},{"text":"Absolutely.","start":315.77002,"end":316.27002,"sentiment":"neutral","sentiment_score":0.3190545439720154},{"text":"And that's why it's with you guys, so you guys do all that for me, and I don't have to worry about it because I know nothing about Super.","start":316.49002,"end":323.745,"sentiment":"positive","sentiment_score":0.4464220414901602},{"text":"That's why I went with you guys.","start":323.745,"end":326.405,"sentiment":"positive","sentiment_score":0.350634685584477},{"text":"Yep.","start":353.14502,"end":353.64502,"sentiment":"neutral","sentiment_score":0.09389553964138032}],"sentiment":"positive","sentiment_score":0.40816647368363845,"num_words":39,"start":250.475,"end":353.64502},{"sentences":[{"text":"I'm wanting you to do whatever is best in my interest.","start":376.55,"end":379.29,"sentiment":"positive","sentiment_score":0.4171441739255732},{"text":"I want I want that's that's like I said, that's why you guys are there because you guys know what you're doing.","start":381.38498,"end":386.745,"sentiment":"neutral","sentiment_score":0.2407639683647589},{"text":"You make the decisions and just go with whatever you guys decide.","start":386.745,"end":390.425,"sentiment":"neutral","sentiment_score":0.18429953480760256},{"text":"I don't care if I lose I don't lose everything.","start":390.425,"end":393.485,"sentiment":"neutral","sentiment_score":-0.14343049824237825},{"text":"Yeah.","start":461.05,"end":461.29,"sentiment":"neutral","sentiment_score":0.17659178376197815}],"sentiment":"neutral","sentiment_score":0.19355847207563265,"num_words":56,"start":376.55,"end":461.29},{"sentences":[{"text":"That's fine.","start":461.29,"end":462.11,"sentiment":"neutral","sentiment_score":0.30615541338920593},{"text":"Yes.","start":475.495,"end":475.995,"sentiment":"neutral","sentiment_score":0.017680179327726364},{"text":"Yep.","start":495.46503,"end":495.96503,"sentiment":"neutral","sentiment_score":0.09289294481277466},{"text":"Okay.","start":501.065,"end":501.565,"sentiment":"neutral","sentiment_score":-0.008283300325274467},{"text":"I can't remember.","start":517.88,"end":518.77997,"sentiment":"neutral","sentiment_score":-0.12577998638153076}],"sentiment":"neutral","sentiment_score":0.04215758643113077,"num_words":8,"start":461.29,"end":518.77997},{"sentences":[{"text":"I don't I don't think they have any information.","start":519.47504,"end":521.235,"sentiment":"neutral","sentiment_score":-0.20199680080016455},{"text":"I I think I may have got the letter, but I'm not uneventful.","start":521.235,"end":524.375,"sentiment":"neutral","sentiment_score":-0.21861663231482872},{"text":"I thought I thought I I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I Yep.","start":525.795,"end":540.13,"sentiment":"neutral","sentiment_score":0.0018269774067190896},{"text":"That's why you've got us the recreational drug use, that was well, I've I've heard you said that again.","start":580.095,"end":587.315,"sentiment":"neutral","sentiment_score":-0.12936200789715113},{"text":"Yeah.","start":609.08496,"end":609.245,"sentiment":"neutral","sentiment_score":-0.12020603567361832}],"sentiment":"neutral","sentiment_score":-0.045365310748738626,"num_words":155,"start":519.47504,"end":609.245},{"sentences":[{"text":"Very long time ago.","start":609.245,"end":610.20496,"sentiment":"neutral","sentiment_score":-0.14207439683377743},{"text":"Yes.","start":610.20496,"end":610.70496,"sentiment":"neutral","sentiment_score":-0.05531550943851471},{"text":"I was that is it ain't easy, I think.","start":612.925,"end":616.38495,"sentiment":"negative","sentiment_score":-0.3352707442310121},{"text":"Yep.","start":632.735,"end":633.235,"sentiment":"neutral","sentiment_score":-0.1963007301092148},{"text":"Look.","start":671.61,"end":671.85,"sentiment":"neutral","sentiment_score":-0.10764734447002412}],"sentiment":"neutral","sentiment_score":-0.24656236683949828,"num_words":16,"start":609.245,"end":671.85},{"sentences":[{"text":"No.","start":671.85,"end":672.01,"sentiment":"neutral","sentiment_score":-0.1969119608402252},{"text":"It's not.","start":672.01,"end":672.67,"sentiment":"neutral","sentiment_score":-0.23479247838258743},{"text":"I I I understand it.","start":673.69,"end":675.13,"sentiment":"neutral","sentiment_score":-0.21738725006580353},{"text":"I just don't understand why they declined me back then, but yet when I applied for life insurance and gave them all the exact same details as you've got there, they've they've covered me.","start":675.13,"end":688.955,"sentiment":"neutral","sentiment_score":-0.30635302995934205},{"text":"No worries.","start":688.955,"end":689.615,"sentiment":"neutral","sentiment_score":-0.019737353548407555}],"sentiment":"neutral","sentiment_score":-0.2774752475829287,"num_words":44,"start":671.85,"end":689.615},{"sentences":[{"text":"No.","start":693.515,"end":693.835,"sentiment":"neutral","sentiment_score":-0.1144014522433281},{"text":"No.","start":693.835,"end":693.995,"sentiment":"neutral","sentiment_score":-0.1495298594236374},{"text":"No.","start":693.995,"end":694.235,"sentiment":"neutral","sentiment_score":-0.17518487572669983},{"text":"No.","start":694.235,"end":694.395,"sentiment":"neutral","sentiment_score":-0.17825648188591003},{"text":"No.","start":694.395,"end":694.47504,"sentiment":"neutral","sentiment_score":-0.20079746842384336}],"sentiment":"neutral","sentiment_score":-0.16363402754068374,"num_words":5,"start":693.515,"end":694.47504},{"sentences":[{"text":"No.","start":694.47504,"end":694.715,"sentiment":"neutral","sentiment_score":-0.16979321837425232},{"text":"I've got life insurance now, actually, because, yeah, because I couldn't I was having trouble getting insurance through the super and all that.","start":694.715,"end":703.21,"sentiment":"neutral","sentiment_score":-0.15276009006344754},{"text":"I actually went out, and I got myself life insurance.","start":703.21,"end":706.35,"sentiment":"neutral","sentiment_score":-0.03402176732197404},{"text":"So and I I only went for a small amount.","start":706.41,"end":710.745,"sentiment":"neutral","sentiment_score":-0.009186679869890213},{"text":"I only went like, when I said small amounts, $8,800,000.","start":710.745,"end":714.765,"sentiment":"neutral","sentiment_score":-0.025251371227204798}],"sentiment":"neutral","sentiment_score":-0.08088654581526364,"num_words":54,"start":694.47504,"end":714.765},{"sentences":[{"text":"So I I I actually got approved for that within, yeah, I'd say half an hour.","start":719.705,"end":727.75,"sentiment":"neutral","sentiment_score":0.22452203184366226},{"text":"By the time they I hung up on the call and they did all their checks and all that and called me back and approved me.","start":727.75,"end":733.19,"sentiment":"neutral","sentiment_score":0.18106695637106895},{"text":"So I do have life insurance, so I'm not overly fussed with my super insurance.","start":733.19,"end":739.425,"sentiment":"neutral","sentiment_score":0.04707079182068507},{"text":"But as as my OPAR used to always say, the more the better.","start":739.425,"end":745.365,"sentiment":"neutral","sentiment_score":-0.0023262265783089856},{"text":"Yes.","start":754.06,"end":754.13995,"sentiment":"neutral","sentiment_score":0.013277776539325714}],"sentiment":"neutral","sentiment_score":0.12660833920391512,"num_words":71,"start":719.705,"end":754.13995},{"sentences":[{"text":"That's right.","start":754.13995,"end":754.95996,"sentiment":"neutral","sentiment_score":-0.024077755864709616},{"text":"Yeah.","start":761.01996,"end":761.51996,"sentiment":"neutral","sentiment_score":-0.10328587889671326},{"text":"It's because I haven't saved them in that long.","start":792.4,"end":794.5,"sentiment":"neutral","sentiment_score":0.2776730888419681},{"text":"Yeah.","start":807.40497,"end":807.725,"sentiment":"neutral","sentiment_score":-0.020095910876989365},{"text":"There you there you're testing me.","start":807.725,"end":809.97,"sentiment":"neutral","sentiment_score":-0.04980914480984211}],"sentiment":"neutral","sentiment_score":0.10677187522187044,"num_words":19,"start":754.13995,"end":809.97},{"sentences":[{"text":"I have to have that.","start":814.05,"end":815.26996,"sentiment":"neutral","sentiment_score":-0.20324066877365113},{"text":"Now you're on a second.","start":815.64996,"end":816.61,"sentiment":"neutral","sentiment_score":-0.049023983627557756},{"text":"It should be out of the two.","start":816.61,"end":818.23,"sentiment":"neutral","sentiment_score":-0.04291720635124615},{"text":"No idea.","start":837.05005,"end":841.23004,"sentiment":"neutral","sentiment_score":-0.07340107765048742},{"text":"Yeah.","start":844.41003,"end":844.91003,"sentiment":"neutral","sentiment_score":-0.01040615327656269}],"sentiment":"neutral","sentiment_score":-0.08594760075211524,"num_words":20,"start":814.05,"end":844.91003},{"sentences":[{"text":"I I think it's one of them because I was gonna go through Suncorp because I took my home insurance and cars and everything a week, but they they said no base basically to some of my health issues in the past, but also my line of work.","start":848.09,"end":869.48,"sentiment":"neutral","sentiment_score":-0.06768942732984821},{"text":"So all sort of a right.","start":871.38,"end":874.02,"sentiment":"neutral","sentiment_score":-0.020390881846348446},{"text":"Yeah.","start":874.02,"end":874.42,"sentiment":"neutral","sentiment_score":-0.02651042677462101},{"text":"We we we you're better off going with a insurance broker or something along them lines.","start":874.42,"end":883.45496,"sentiment":"neutral","sentiment_score":-0.12437719479203224},{"text":"I went through them and like I said, yeah, they no dramas in covering me.","start":885.995,"end":891.675,"sentiment":"neutral","sentiment_score":-0.06017110670606295}],"sentiment":"neutral","sentiment_score":-0.07314592961568472,"num_words":86,"start":848.09,"end":891.675},{"sentences":[{"text":"They offered me a lot more money, but, obviously, at a lot higher lot higher cost.","start":891.675,"end":897.96,"sentiment":"neutral","sentiment_score":-0.11811555991880596},{"text":"So give it again.","start":899.14,"end":901.0,"sentiment":"neutral","sentiment_score":0.23098136484622955},{"text":"Here we go.","start":901.46,"end":902.36005,"sentiment":"neutral","sentiment_score":0.051802968606352806},{"text":"Direct cover.","start":902.82,"end":903.72003,"sentiment":"neutral","sentiment_score":-0.02851719595491886},{"text":"Yeah.","start":905.94,"end":906.44,"sentiment":"neutral","sentiment_score":0.21126580238342285}],"sentiment":"neutral","sentiment_score":-0.02524166088551283,"num_words":26,"start":891.675,"end":906.44},{"sentences":[{"text":"Oh, I just went through my bank to see who I was paying.","start":912.77496,"end":915.175,"sentiment":"neutral","sentiment_score":-0.0700709788272014},{"text":"This I've got my alright.","start":915.175,"end":917.255,"sentiment":"neutral","sentiment_score":-0.03923398219048977},{"text":"My mhmm.","start":917.255,"end":918.315,"sentiment":"neutral","sentiment_score":-0.03987758979201317},{"text":"Might be able to okay.","start":921.32,"end":932.78,"sentiment":"neutral","sentiment_score":-0.037867115810513496},{"text":"Alright.","start":936.425,"end":936.665,"sentiment":"neutral","sentiment_score":0.009029043838381767}],"sentiment":"neutral","sentiment_score":-0.05258285963477997,"num_words":26,"start":912.77496,"end":936.665},{"sentences":[{"text":"Who's uncle?","start":936.665,"end":937.225,"sentiment":"neutral","sentiment_score":-0.012665060814470053},{"text":"That would be funny.","start":937.225,"end":938.285,"sentiment":"neutral","sentiment_score":-0.012181025464087725},{"text":"Let me so where would I find that?","start":939.705,"end":943.785,"sentiment":"neutral","sentiment_score":0.003006642684340477},{"text":"Direct coverage trading name of Nielsen Financial Services that does a agent of insure Hallmark Life Insurance Company.","start":943.785,"end":953.43,"sentiment":"neutral","sentiment_score":0.03673879740138849},{"text":"Yeah.","start":956.61,"end":957.11,"sentiment":"neutral","sentiment_score":0.1060018539428711}],"sentiment":"neutral","sentiment_score":0.021736337125978687,"num_words":33,"start":936.665,"end":957.11},{"sentences":[{"text":"And Hallmark Life is part of St.","start":959.89,"end":961.73,"sentiment":"neutral","sentiment_score":0.13980684322970255},{"text":"Andrew's Insurance Group.","start":961.73,"end":963.19,"sentiment":"neutral","sentiment_score":0.11718869457642238},{"text":"I'm just reading all the from the bottom of the email there.","start":968.795,"end":971.935,"sentiment":"neutral","sentiment_score":0.11891106888651848},{"text":"Because it just says direct cover is is a trading name of Nelson's Financial Services.","start":977.93,"end":983.07,"sentiment":"neutral","sentiment_score":-0.006157191951448719},{"text":"Direct cover products are insured and managed by direct cover as agent of the insurer, Hallmark Life Insurance Company.","start":983.13,"end":990.43,"sentiment":"neutral","sentiment_score":0.0002709964633380112}],"sentiment":"neutral","sentiment_score":0.047677461901912466,"num_words":56,"start":959.89,"end":990.43},{"sentences":[{"text":"I don't know if will it be an ABN and a s AFSL number or anything?","start":991.665,"end":998.165,"sentiment":"neutral","sentiment_score":-0.01553743242402561},{"text":"Oh, yeah.","start":1003.665,"end":1003.985,"sentiment":"neutral","sentiment_score":0.08692864701151848},{"text":"There we go.","start":1003.985,"end":1004.73,"sentiment":"neutral","sentiment_score":0.06199268996715546},{"text":"And and the right product is changing changing the right ear and playing with.","start":1005.13,"end":1008.91,"sentiment":"neutral","sentiment_score":0.059768296379063814},{"text":"K.","start":1039.97,"end":1040.05,"sentiment":"neutral","sentiment_score":0.02187211439013481}],"sentiment":"neutral","sentiment_score":0.026940686356586713,"num_words":36,"start":991.665,"end":1040.05},{"sentences":[{"text":"I've nearly nearly a million dollars.","start":1040.05,"end":1042.15,"sentiment":"neutral","sentiment_score":0.010461749664197365},{"text":"Yep.","start":1063.42,"end":1063.46,"sentiment":"neutral","sentiment_score":0.02450847253203392},{"text":"I so it's all nonbinding to go to the kid's mom.","start":1063.46,"end":1072.665,"sentiment":"neutral","sentiment_score":0.03639958629553968},{"text":"I've still got I've still got to get a will done, but once once all that money comes through, it will obviously pay off all the debts, the house, the the the car, and all that.","start":1073.285,"end":1081.845,"sentiment":"neutral","sentiment_score":0.07241945630974239},{"text":"And then the rest of it goes to to her to either divvy up between everyone or just look after everyone.","start":1081.845,"end":1089.92,"sentiment":"neutral","sentiment_score":0.06645392094339643}],"sentiment":"neutral","sentiment_score":0.05987076248973608,"num_words":75,"start":1040.05,"end":1089.92},{"sentences":[{"text":"No.","start":1104.005,"end":1104.405,"sentiment":"neutral","sentiment_score":-0.021129895001649857},{"text":"From what they told me, it means it can't be changed.","start":1104.405,"end":1106.885,"sentiment":"neutral","sentiment_score":-0.0671176893467253},{"text":"And even if I didn't want the money to go if I don't change it, the money goes to them regardless.","start":1106.885,"end":1112.665,"sentiment":"neutral","sentiment_score":-0.07219516672194004},{"text":"No.","start":1118.1901,"end":1118.51,"sentiment":"neutral","sentiment_score":-0.03184199333190918},{"text":"That's it.","start":1118.51,"end":1119.3301,"sentiment":"neutral","sentiment_score":-0.03141174092888832}],"sentiment":"neutral","sentiment_score":-0.0658385681712793,"num_words":36,"start":1104.005,"end":1119.3301},{"sentences":[{"text":"Nonlapsing.","start":1119.63,"end":1120.13,"sentiment":"neutral","sentiment_score":-0.01888824813067913},{"text":"No.","start":1137.945,"end":1138.105,"sentiment":"neutral","sentiment_score":-0.026552192866802216},{"text":"It's a it's a bind binding non lapsing.","start":1138.105,"end":1141.325,"sentiment":"neutral","sentiment_score":-0.0192868672311306},{"text":"Finding non lapsing.","start":1142.0599,"end":1143.28,"sentiment":"neutral","sentiment_score":0.16014488289753595},{"text":"So I don't have I don't have to sign a form every year to to to keep it up to date.","start":1143.66,"end":1148.8,"sentiment":"neutral","sentiment_score":0.10565017855593137}],"sentiment":"neutral","sentiment_score":0.07351038292707766,"num_words":34,"start":1119.63,"end":1148.8},{"sentences":[{"text":"That's definitely the same as Hub 24.","start":1156.3351,"end":1158.415,"sentiment":"neutral","sentiment_score":0.04756303610546248},{"text":"I know that.","start":1158.415,"end":1158.9751,"sentiment":"neutral","sentiment_score":0.04550145814816157},{"text":"Definitely.","start":1158.9751,"end":1159.4751,"sentiment":"neutral","sentiment_score":0.11895446479320526},{"text":"That's it.","start":1170.19,"end":1170.9299,"sentiment":"neutral","sentiment_score":0.061694566160440445},{"text":"Yeah.","start":1180.135,"end":1180.455,"sentiment":"neutral","sentiment_score":0.014970842748880386}],"sentiment":"neutral","sentiment_score":0.05191143336040633,"num_words":14,"start":1156.3351,"end":1180.455},{"sentences":[{"text":"I've I've I've got an immediate home every Yep.","start":1180.455,"end":1197.89,"sentiment":"neutral","sentiment_score":0.04890299774706364},{"text":"Sounds good.","start":1198.19,"end":1199.01,"sentiment":"positive","sentiment_score":0.4695998728275299},{"text":"Yeah.","start":1228.87,"end":1229.37,"sentiment":"neutral","sentiment_score":0.10978937894105913},{"text":"I don't know.","start":1265.485,"end":1266.385,"sentiment":"neutral","sentiment_score":-0.06777144099275272},{"text":"I I just I got approved, signed all the forms, and I handed the the letter they gave me with all the details on it to Carol.","start":1268.685,"end":1275.8201,"sentiment":"neutral","sentiment_score":0.18366506916505318}],"sentiment":"neutral","sentiment_score":0.14868472973328262,"num_words":42,"start":1180.455,"end":1275.8201},{"sentences":[{"text":"So she's got it all, so she knows that the life insurance is there.","start":1275.8201,"end":1280.7001,"sentiment":"neutral","sentiment_score":0.13439070380159787},{"text":"She's the beneficiary of it and all that.","start":1280.7001,"end":1282.78,"sentiment":"neutral","sentiment_score":0.09399720188230276},{"text":"So I don't I don't.","start":1282.78,"end":1283.92,"sentiment":"neutral","sentiment_score":-0.15687685012817382},{"text":"Hello?","start":1344.76,"end":1345.26,"sentiment":"neutral","sentiment_score":0.04478544741868973},{"text":"Yeah, bro.","start":1358.275,"end":1359.095,"sentiment":"neutral","sentiment_score":0.021781806834042072}],"sentiment":"neutral","sentiment_score":0.0645804092908899,"num_words":30,"start":1275.8201,"end":1359.095},{"sentences":[{"text":"Well, I'll say I'll I'll leave it as is at the moment, but, obviously, if I change my mind, which I most likely will, I'll I'll just call up and book an appointment so we can just go through it then.","start":1359.555,"end":1370.01,"sentiment":"neutral","sentiment_score":0.038516405933655844},{"text":"Is that if that's okay?","start":1370.01,"end":1371.23,"sentiment":"neutral","sentiment_score":0.07887660861015319},{"text":"Through the life insurance or through the super?","start":1398.57,"end":1400.83,"sentiment":"neutral","sentiment_score":0.02121413592249155},{"text":"Okay.","start":1405.9299,"end":1406.41,"sentiment":"neutral","sentiment_score":-0.007824379950761795},{"text":"No.","start":1406.41,"end":1406.57,"sentiment":"neutral","sentiment_score":-0.08050483465194702}],"sentiment":"neutral","sentiment_score":0.03669534926978356,"num_words":56,"start":1359.555,"end":1406.57},{"sentences":[{"text":"I don't know how that works.","start":1406.57,"end":1407.645,"sentiment":"neutral","sentiment_score":-0.0767194510747989},{"text":"Yep.","start":1421.245,"end":1421.745,"sentiment":"neutral","sentiment_score":0.07889722287654877},{"text":"Yep.","start":1444.275,"end":1444.775,"sentiment":"neutral","sentiment_score":-0.05700203403830528},{"text":"Yeah.","start":1469.085,"end":1469.585,"sentiment":"neutral","sentiment_score":-0.02031741850078106},{"text":"Again, whatever you you think is best.","start":1514.1749,"end":1516.4149,"sentiment":"neutral","sentiment_score":0.14495050055640085}],"sentiment":"neutral","sentiment_score":0.03474466048646718,"num_words":16,"start":1406.57,"end":1516.4149},{"sentences":[{"text":"Mhmm.","start":1516.4149,"end":1516.9149,"sentiment":"neutral","sentiment_score":0.041166458278894424},{"text":"Plus plus the eight 100,000 from my life insurance because that's got the TPD on it as well.","start":1536.07,"end":1542.4099,"sentiment":"neutral","sentiment_score":0.11071650808056195},{"text":"Yes.","start":1544.725,"end":1544.965,"sentiment":"neutral","sentiment_score":0.1461181640625},{"text":"It does.","start":1544.965,"end":1545.625,"sentiment":"neutral","sentiment_score":0.17403164505958557},{"text":"Yes.","start":1555.285,"end":1555.605,"sentiment":"neutral","sentiment_score":0.18355101346969604}],"sentiment":"neutral","sentiment_score":0.11790417701653812,"num_words":23,"start":1516.4149,"end":1555.605},{"sentences":[{"text":"I've got I I made sure that was in there because if something was to happen in that dramatic sense, I could at least pay the house off and all all the bills would be gone.","start":1555.605,"end":1565.66,"sentiment":"neutral","sentiment_score":0.08136437771221001},{"text":"And then I would, you know, obviously, I wouldn't have an income, so I would withdraw on the supers and that.","start":1565.66,"end":1573.02,"sentiment":"neutral","sentiment_score":-0.04664155814264502},{"text":"And I wanna say least comfortably, but know that the rates are paid and the bills are paid and not stressed.","start":1573.02,"end":1580.295,"sentiment":"neutral","sentiment_score":0.00830613129905292},{"text":"Oh, yeah.","start":1589.41,"end":1589.99,"sentiment":"neutral","sentiment_score":0.11142288148403168},{"text":"Yeah.","start":1590.2101,"end":1590.4501,"sentiment":"neutral","sentiment_score":0.12233929336071014}],"sentiment":"neutral","sentiment_score":0.03048467518830741,"num_words":81,"start":1555.605,"end":1590.4501},{"sentences":[{"text":"So the way the way I looked at it when I signed up was at the close to a million dollars if that incident happened, which would, like I said, pay off the house, pay off the loans that I have, the credit card, and all that, and then just not overspend and try and live off the rest.","start":1590.4501,"end":1611.995,"sentiment":"neutral","sentiment_score":0.04662299803379229},{"text":"900.","start":1620.76,"end":1621.5,"sentiment":"neutral","sentiment_score":0.13363772630691528},{"text":"Yes.","start":1639.875,"end":1640.375,"sentiment":"neutral","sentiment_score":0.061862148344516754},{"text":"100%.","start":1640.4349,"end":1641.235,"sentiment":"neutral","sentiment_score":0.07418443262577057},{"text":"Instead of needing $2,000 a week, I would only need 5 hundreds.","start":1641.235,"end":1646.36,"sentiment":"neutral","sentiment_score":0.03291806415654719}],"sentiment":"neutral","sentiment_score":0.046154837312831265,"num_words":74,"start":1590.4501,"end":1646.36},{"sentences":[{"text":"No.","start":1660.245,"end":1660.745,"sentiment":"neutral","sentiment_score":-0.1122274100780487},{"text":"No.","start":1665.925,"end":1666.405,"sentiment":"neutral","sentiment_score":-0.06758472323417664},{"text":"I have about 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couldn't.","start":1729.415,"end":1729.995,"sentiment":"neutral","sentiment_score":-0.06470118835568428},{"text":"We're not together.","start":1735.2001,"end":1736.1001,"sentiment":"neutral","sentiment_score":-0.056407795598109566},{"text":"Yeah.","start":1740.2401,"end":1740.4801,"sentiment":"neutral","sentiment_score":-0.016873128712177277},{"text":"She's the my she's my kid's mother.","start":1740.4801,"end":1743.2201,"sentiment":"neutral","sentiment_score":-0.020021269097924232}],"sentiment":"neutral","sentiment_score":-0.029396736430690476,"num_words":38,"start":1696.515,"end":1743.2201},{"sentences":[{"text":"We were together and we split, but we yeah, still very 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family.","start":1759.5751,"end":1768.6001,"sentiment":"neutral","sentiment_score":-0.0035682196418444314},{"text":"So Most times.","start":1768.6001,"end":1778.495,"sentiment":"neutral","sentiment_score":0.07931931596249342},{"text":"That's true.","start":1787.115,"end":1787.935,"sentiment":"neutral","sentiment_score":-0.04184810444712639},{"text":"If you can look into that, that that'll be much appreciated.","start":1808.955,"end":1811.9349,"sentiment":"neutral","sentiment_score":0.2790307199413126}],"sentiment":"neutral","sentiment_score":0.06535840369364683,"num_words":47,"start":1759.3351,"end":1811.9349},{"sentences":[{"text":"So is that 70% of my income before tax or after tax?","start":1836.8049,"end":1844.345,"sentiment":"neutral","sentiment_score":-0.002602027729153633},{"text":"Before 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$2,300.","start":1959.405,"end":1961.485,"sentiment":"neutral","sentiment_score":0.13312053680419922},{"text":"So Around 60.","start":1961.485,"end":1975.3201,"sentiment":"neutral","sentiment_score":0.04622454196214676}],"sentiment":"neutral","sentiment_score":0.14131866342255048,"num_words":28,"start":1943.12,"end":1975.3201},{"sentences":[{"text":"Yeah.","start":1978.0651,"end":1978.5651,"sentiment":"neutral","sentiment_score":0.13771802186965942},{"text":"So and and an average week, if I don't do any other work, I'm just working all week on before tax, just shy of 30 to $300.","start":1980.385,"end":1989.765,"sentiment":"neutral","sentiment_score":0.04862256299842287},{"text":"Nope.","start":1998.9,"end":1999.22,"sentiment":"neutral","sentiment_score":-0.09214871376752852},{"text":"Everything goes to expenses.","start":1999.22,"end":2000.68,"sentiment":"neutral","sentiment_score":-0.11143598146736622},{"text":"I don't have 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fine.","start":2116.72,"end":2117.54,"sentiment":"neutral","sentiment_score":0.12680210918188095},{"text":"That's fine.","start":2143.5098,"end":2144.25,"sentiment":"neutral","sentiment_score":0.08626684546470642},{"text":"Thank you.","start":2144.8699,"end":2145.6099,"sentiment":"positive","sentiment_score":0.43473030626773834},{"text":"Just shy of a $100 a month.","start":2168.67,"end":2170.6099,"sentiment":"neutral","sentiment_score":-0.0035994438720600946},{"text":"Structure to a super if we can.","start":2192.24,"end":2194.1,"sentiment":"neutral","sentiment_score":0.03569465183785984}],"sentiment":"neutral","sentiment_score":0.07601324887946248,"num_words":20,"start":2116.72,"end":2194.1},{"sentences":[{"text":"It's not.","start":2225.11,"end":2225.85,"sentiment":"neutral","sentiment_score":-0.028898156248033047},{"text":"No.","start":2225.9102,"end":2226.23,"sentiment":"neutral","sentiment_score":-0.07385526597499847},{"text":"It's a 100% off the 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750.","start":2264.2651,"end":2269.085,"sentiment":"neutral","sentiment_score":0.04518593201304183},{"text":"Yes.","start":2274.2302,"end":2274.7302,"sentiment":"neutral","sentiment_score":0.05387201905250549}],"sentiment":"neutral","sentiment_score":0.053619550023641854,"num_words":36,"start":2241.5,"end":2274.7302},{"sentences":[{"text":"So we're always gonna go up.","start":2285.695,"end":2287.635,"sentiment":"neutral","sentiment_score":-0.07782921319206555},{"text":"Cost for the 600.","start":2297.8198,"end":2299.2,"sentiment":"neutral","sentiment_score":-0.012107542250305414},{"text":"Yeah.","start":2302.0598,"end":2302.2998,"sentiment":"neutral","sentiment_score":0.002020672895014286},{"text":"You can do with their clients.","start":2302.2998,"end":2303.44,"sentiment":"neutral","sentiment_score":0.021029310300946236},{"text":"Which which which which car is on file?","start":2312.305,"end":2315.125,"sentiment":"neutral","sentiment_score":-0.007163209840655327}],"sentiment":"neutral","sentiment_score":-0.017780583687126636,"num_words":25,"start":2285.695,"end":2315.125},{"sentences":[{"text":"Okay.","start":2319.1848,"end":2319.6848,"sentiment":"neutral","sentiment_score":0.007183072157204151},{"text":"So I've got the brand new Kia Tasman now, and I value that at yeah.","start":2321.96,"end":2326.7598,"sentiment":"neutral","sentiment_score":0.09040986920396486},{"text":"I'd still value that at about 65,000.","start":2326.7598,"end":2330.22,"sentiment":"neutral","sentiment_score":0.0427865098629679},{"text":"Yeah.","start":2331.64,"end":2332.14,"sentiment":"neutral","sentiment_score":0.12606462836265564},{"text":"And I've also in my in my name, I also got the yeah.","start":2332.68,"end":2336.785,"sentiment":"neutral","sentiment_score":0.009291722152668696}],"sentiment":"neutral","sentiment_score":0.051613343124454085,"num_words":37,"start":2319.1848,"end":2336.785},{"sentences":[{"text":"I'm sorry.","start":2336.785,"end":2337.305,"sentiment":"neutral","sentiment_score":-0.03359281271696091},{"text":"Another car.","start":2337.305,"end":2338.105,"sentiment":"neutral","sentiment_score":-0.021437952294945717},{"text":"I'd value that at around 35,000.","start":2338.105,"end":2340.365,"sentiment":"neutral","sentiment_score":0.008930599937836329},{"text":"I have a loan on the Staria, the Kia I own outright.","start":2344.9849,"end":2349.405,"sentiment":"neutral","sentiment_score":0.0410986733622849},{"text":"Around 40?","start":2362.05,"end":2362.87,"sentiment":"neutral","sentiment_score":-0.002895491663366556}],"sentiment":"neutral","sentiment_score":0.017954798609328766,"num_words":24,"start":2336.785,"end":2362.87},{"sentences":[{"text":"35.","start":2364.2349,"end":2364.7148,"sentiment":"neutral","sentiment_score":0.003642705734819174},{"text":"Yeah.","start":2364.7148,"end":2364.955,"sentiment":"neutral","sentiment_score":0.009610049426555634},{"text":"About 35,000 a on it.","start":2364.955,"end":2367.295,"sentiment":"neutral","sentiment_score":0.0172009551897645},{"text":"No.","start":2375.275,"end":2375.595,"sentiment":"neutral","sentiment_score":0.0004716673865914345},{"text":"Just the cars in the house.","start":2375.595,"end":2377.2148,"sentiment":"neutral","sentiment_score":0.0020022414003809295}],"sentiment":"neutral","sentiment_score":0.007981617635648166,"num_words":14,"start":2364.2349,"end":2377.2148},{"sentences":[{"text":"No.","start":2395.9348,"end":2396.335,"sentiment":"neutral","sentiment_score":-0.068333700299263},{"text":"But that's that's that's exactly what I need to do.","start":2396.335,"end":2399.395,"sentiment":"neutral","sentiment_score":-0.08599124178290367},{"text":"I've I've been thinking about it for a long time, and people have told me, oh, yeah.","start":2400.815,"end":2405.535,"sentiment":"neutral","sentiment_score":-0.05096028241164544},{"text":"You can just do the three wheel kits, but I don't know how that will work or anything.","start":2405.535,"end":2410.06,"sentiment":"neutral","sentiment_score":-0.07902725165088971},{"text":"So yeah.","start":2410.06,"end":2410.72,"sentiment":"neutral","sentiment_score":0.0039443885907530785}],"sentiment":"neutral","sentiment_score":-0.06685776399293293,"num_words":48,"start":2395.9348,"end":2410.72},{"sentences":[{"text":"I do need to get one put in place after what happened last week with this fellow with a friend, coworker.","start":2410.8599,"end":2416.4,"sentiment":"neutral","sentiment_score":-0.04924825578927994},{"text":"He he had a trucker.","start":2417.42,"end":2419.9,"sentiment":"neutral","sentiment_score":-0.13621609956026076},{"text":"It couldn't just the other side of the border in South Australia and died.","start":2419.9,"end":2424.335,"sentiment":"neutral","sentiment_score":-0.25454592279025484},{"text":"So No.","start":2424.335,"end":2427.7751,"sentiment":"neutral","sentiment_score":-0.2563747689127922},{"text":"That's alright.","start":2427.7751,"end":2428.415,"sentiment":"neutral","sentiment_score":-0.29361243546009064}],"sentiment":"neutral","sentiment_score":-0.144975254481489,"num_words":44,"start":2410.8599,"end":2428.415},{"sentences":[{"text":"It it happened in a lot of work, unfortunately.","start":2428.415,"end":2430.355,"sentiment":"neutral","sentiment_score":-0.24835183057520124},{"text":"Yes, please.","start":2492.24,"end":2492.98,"sentiment":"neutral","sentiment_score":0.11420018225908277},{"text":"Yep.","start":2502.56,"end":2502.8801,"sentiment":"neutral","sentiment_score":0.22280502319335935},{"text":"I would appreciate that.","start":2502.8801,"end":2504.26,"sentiment":"positive","sentiment_score":0.36183149367570877},{"text":"That's not gonna that's not gonna happen.","start":2519.58,"end":2521.44,"sentiment":"neutral","sentiment_score":-0.12019575387239456}],"sentiment":"neutral","sentiment_score":-0.051217625646487526,"num_words":23,"start":2428.415,"end":2521.44},{"sentences":[{"text":"Oh, if my mom is still alive, I ain't gonna be working well into the eighties.","start":2524.54,"end":2528.56,"sentiment":"negative","sentiment_score":-0.37680234760046005},{"text":"Yeah.","start":2544.995,"end":2545.3152,"sentiment":"neutral","sentiment_score":0.03723952546715736},{"text":"I'd I'd say work on the age of 70.","start":2545.3152,"end":2547.2551,"sentiment":"neutral","sentiment_score":0.0220144372433424},{"text":"Yeah.","start":2549.42,"end":2549.92,"sentiment":"neutral","sentiment_score":0.2662699818611145},{"text":"Oh, yeah?","start":2590.525,"end":2591.185,"sentiment":"neutral","sentiment_score":-0.014280752278864384}],"sentiment":"neutral","sentiment_score":-0.191577918056784,"num_words":29,"start":2524.54,"end":2591.185},{"sentences":[{"text":"I'm talking to that.","start":2591.245,"end":2592.625,"sentiment":"neutral","sentiment_score":-0.038937948644161224},{"text":"I don't I don't I don't even remember sending that amount.","start":2593.965,"end":2597.165,"sentiment":"neutral","sentiment_score":-0.19916161623868076},{"text":"Yeah.","start":2597.165,"end":2597.405,"sentiment":"neutral","sentiment_score":-0.034995995461940765},{"text":"No.","start":2597.405,"end":2597.485,"sentiment":"neutral","sentiment_score":-0.04287421703338623},{"text":"That's verified.","start":2597.485,"end":2598.225,"sentiment":"neutral","sentiment_score":-0.005760790430940688}],"sentiment":"neutral","sentiment_score":-0.12820638771364956,"num_words":19,"start":2591.245,"end":2598.225},{"sentences":[{"text":"Yes.","start":2620.275,"end":2620.775,"sentiment":"neutral","sentiment_score":0.09187670797109604},{"text":"Yep.","start":2629.795,"end":2630.295,"sentiment":"neutral","sentiment_score":0.19259445369243625},{"text":"Not that sounds right on point.","start":2675.14,"end":2677.48,"sentiment":"neutral","sentiment_score":0.08026301488280296},{"text":"Not really.","start":2688.5552,"end":2689.215,"sentiment":"neutral","sentiment_score":-0.0009834393858909607},{"text":"I think that Tiggeron is gold, isn't it?","start":2702.3298,"end":2704.365,"sentiment":"neutral","sentiment_score":0.08926168503239751}],"sentiment":"neutral","sentiment_score":0.08212088069154157,"num_words":18,"start":2620.275,"end":2704.365},{"sentences":[{"text":"Yeah.","start":2717.085,"end":2717.585,"sentiment":"neutral","sentiment_score":0.039556946605443954},{"text":"Yeah.","start":2756.39,"end":2756.89,"sentiment":"neutral","sentiment_score":0.054030563682317734},{"text":"I I I actually, I wouldn't even I wouldn't even know unless you you you guys told me.","start":2780.61,"end":2786.15,"sentiment":"neutral","sentiment_score":-0.22473902917570537},{"text":"Yeah.","start":2791.25,"end":2791.75,"sentiment":"neutral","sentiment_score":-0.03914643079042435},{"text":"But I I I said from the very beginning, I've got no idea about super.","start":2792.2852,"end":2795.965,"sentiment":"neutral","sentiment_score":-0.2148332916200161}],"sentiment":"neutral","sentiment_score":-0.20037113388793337,"num_words":36,"start":2717.085,"end":2795.965},{"sentences":[{"text":"That's why you guys look after it because I honestly don't care about it.","start":2795.965,"end":2799.985,"sentiment":"neutral","sentiment_score":-0.2618974425962993},{"text":"I just know it's there and and yeah.","start":2800.365,"end":2803.5051,"sentiment":"neutral","sentiment_score":-0.05378374084830284},{"text":"You guys deal with it, and I leave it alone.","start":2804.125,"end":2806.98,"sentiment":"neutral","sentiment_score":-0.020715581253170967},{"text":"Yep.","start":2812.1,"end":2812.6,"sentiment":"neutral","sentiment_score":0.14091698825359344},{"text":"I'll I'll go back to my previous payments.","start":2832.955,"end":2835.295,"sentiment":"neutral","sentiment_score":-0.10431270860135555}],"sentiment":"neutral","sentiment_score":-0.12189206381033106,"num_words":41,"start":2795.965,"end":2835.295},{"sentences":[{"text":"I got no idea about it, and I really don't care.","start":2835.4402,"end":2837.9202,"sentiment":"neutral","sentiment_score":-0.3313088444146243},{"text":"I let you guys do what you think is best and what works.","start":2837.9202,"end":2840.6602,"sentiment":"neutral","sentiment_score":0.004068500147416041},{"text":"Yep.","start":2873.48,"end":2873.98,"sentiment":"neutral","sentiment_score":-0.003158053383231163},{"text":"Yes.","start":2893.57,"end":2894.07,"sentiment":"neutral","sentiment_score":0.07924994081258774},{"text":"Not.","start":2915.625,"end":2916.125,"sentiment":"neutral","sentiment_score":-0.1993272602558136}],"sentiment":"neutral","sentiment_score":-0.13758304294336726,"num_words":27,"start":2835.4402,"end":2916.125},{"sentences":[{"text":"Not a question.","start":2924.13,"end":2925.1199,"sentiment":"neutral","sentiment_score":-0.0444505400955677},{"text":"We are we can do tomorrow.","start":2943.585,"end":2945.665,"sentiment":"neutral","sentiment_score":0.037844132632017136},{"text":"We can do Friday around the same time around 04:00.","start":2945.665,"end":2949.49,"sentiment":"neutral","sentiment_score":0.04978281110525131},{"text":"And if if it's Monday, then around 10:00 in the morning.","start":2958.3499,"end":2964.925,"sentiment":"neutral","sentiment_score":0.032713664187626404},{"text":"Yep.","start":2975.82,"end":2976.06,"sentiment":"neutral","sentiment_score":0.23385703563690183}],"sentiment":"neutral","sentiment_score":0.038233826718022744,"num_words":31,"start":2924.13,"end":2976.06},{"sentences":[{"text":"Sounds good.","start":2976.06,"end":2977.04,"sentiment":"positive","sentiment_score":0.48050619661808014},{"text":"Yep.","start":2994.055,"end":2994.555,"sentiment":"neutral","sentiment_score":0.1068381369113922},{"text":"Yeah.","start":2998.535,"end":2998.6948,"sentiment":"neutral","sentiment_score":0.221738800406456},{"text":"Good.","start":2998.6948,"end":2999.1948,"sentiment":"positive","sentiment_score":0.4028588533401489},{"text":"Sounds sounds very good.","start":3033.84,"end":3036.74,"sentiment":"positive","sentiment_score":0.631310623139143}],"sentiment":"positive","sentiment_score":0.4686322973834144,"num_words":9,"start":2976.06,"end":3036.74},{"sentences":[{"text":"Not a problem.","start":3045.2651,"end":3045.825,"sentiment":"positive","sentiment_score":0.398352990547816},{"text":"You too.","start":3045.825,"end":3046.485,"sentiment":"positive","sentiment_score":0.3993150442838669},{"text":"Right.","start":3049.425,"end":3049.665,"sentiment":"positive","sentiment_score":0.3342010974884033},{"text":"Thank you.","start":3049.665,"end":3050.145,"sentiment":"positive","sentiment_score":0.6559924781322479},{"text":"Bye.","start":3050.145,"end":3050.645,"sentiment":"neutral","sentiment_score":0.32394590973854065}],"sentiment":"positive","sentiment_score":0.44042455818918014,"num_words":9,"start":3045.2651,"end":3050.645}]}}]}],"paragraphs":{"transcript":"\nChannel 1: I like this,\n\nChannel 0: Hi, Christopher. This is Dana from Okie Financial. How are you this\n\nChannel 1: buddy.\n\nChannel 0: afternoon?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm very well. Thank you. Thank you for asking. I had you booked in to go through your annual review. Is now still a good time there for you?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Kristin, as part of the the call, we normally email through your documents to go through with us. Are you able to access your emails? It sounds like you're traveling a little bit.\n\nChannel 1: Alright.\n\nChannel 0: Sorry.\n\nChannel 1: I just started the truck. Hang on. Let me take up with my e badge in and\n\nChannel 0: Yeah. That's absolutely fine.\n\nChannel 1: In Nigeria.\n\nChannel 0: Excellent. I can hear you loud and clear. Now before I jump into the call, just to let you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: That's fine.\n\nChannel 0: Fantastic. And just to do a quick security check there with you as well, we are discussing your personal information. So I'll just confirm your full name, your date of birth, and address I should have on file there for you.\n\nChannel 1: Christopher Love, put thirty five to fifty\n\nChannel 0: Yeah.\n\nChannel 1: 9 At 8488 Grand Vista\n\nChannel 0: Yep.\n\nChannel 1: Boulevard, Burberry, Victoria 3030. Yeah.\n\nChannel 0: Beautiful. Thank you so much for that. I've just sent you the email\n\nChannel 1: I\n\nChannel 0: there with your annual review documents. Are you able to jump into your emails? If\n\nChannel 1: got\n\nChannel 0: you can't, it's honestly okay.\n\nChannel 1: it.\n\nChannel 0: Yep. Fantastic. The email should come through from OdooSign and or Dana. Hopefully, it pops through fairly quickly there for you.\n\nChannel 1: Yep. I'm opening it\n\nChannel 0: Legend. And how's your day been so far?\n\nChannel 1: now. Yeah. Not too bad. I just yeah. I like to just work it up.\n\nI guess.\n\nChannel 0: Yeah. Yeah. You work afternoon or evening shift, don't you?\n\nChannel 1: That's great. I'll I'll I'll\n\nChannel 0: Yeah.\n\nChannel 1: work it out too.\n\nChannel 0: Nice. Yeah. Absolutely. All good. And you've just recently had your taste done as well.\n\nHow's that been going\n\nChannel 1: No.\n\nChannel 0: for you?\n\nChannel 1: Not yet.\n\nChannel 0: Not\n\nChannel 1: Not yet.\n\nChannel 0: yet?\n\nChannel 1: I've just just recently got the the payment came through yesterday, the money\n\nChannel 0: Yep. Yep.\n\nChannel 1: We're\n\nChannel 0: Can see\n\nChannel 1: released,\n\nChannel 0: that's come out. Yep.\n\nChannel 1: and and I'm going in the end of next month\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: to get\n\nChannel 0: End\n\nChannel 1: them done.\n\nChannel 0: of next month. Yep. Lovely. And\n\nChannel 1: Yeah.\n\nChannel 0: what are you having done?\n\nChannel 1: I'm having full full full mouth implants, Top and bottom\n\nChannel 0: Yeah.\n\nChannel 1: bridge.\n\nChannel 0: Yeah. Wow. I've heard like, a lot of people have been telling me that I've been having that done, and I've had a couple of people kinda teach telling me sort of how it goes and how everything goes over the six months. Have they given you kind of a breakdown of what to expect, like, how the process goes of getting those implants in?\n\nChannel 1: Yep. So I go in on the the first day and have all the teeth of the legs ripped out on the screws put in.\n\nChannel 0: Yep.\n\nChannel 1: I go in the very next day to get my healing teeth put in,\n\nChannel 0: Yep.\n\nChannel 1: And then I think it's every three months I get a new set of teeth until I think it's at the twelve month mark. That's when I get what they call you forever teeth, the ones that you'll have.\n\nChannel 0: Yeah. Yeah. I didn't realize that it was such a process. That's insane, isn't it? Like, it's good\n\nChannel 1: Yeah.\n\nChannel 0: that they kinda do it in steps and stages, I suppose.\n\nChannel 1: Well\n\nChannel 0: But\n\nChannel 1: well,\n\nChannel 0: yeah.\n\nChannel 1: it's a it depends on who you go through and what you get. Some places you go in, get the teeth done, get your teeth put in, and that's it. They don't they\n\nChannel 0: Yeah.\n\nChannel 1: don't do\n\nChannel 0: Right.\n\nChannel 1: any more than that. But the people I go through are one of the the only people that actually started doing it, and they it it's a good twelve month process that they take.\n\nChannel 0: Yeah. Yeah. No. Wow.\n\nChannel 1: And so\n\nChannel 0: Well,\n\nChannel 1: they\n\nChannel 0: I\n\nChannel 1: should\n\nChannel 0: hope\n\nChannel 1: see the amount\n\nChannel 0: that\n\nChannel 1: of money I'm paying.\n\nChannel 0: absolutely. Yeah. No. Definitely. Well, look, honestly, I hope that all goes well.\n\nI wanna make sure I catch up with you moving forward to see how everything is going. I can definitely see that payment has come out of your super. So it obviously has made an effect on your super balance there. Just\n\nChannel 1: Obviously.\n\nChannel 0: to kinda\n\nChannel 1: Yeah.\n\nChannel 0: give you just you're probably well aware, your super balance at the moment within half twenty four, we are sitting at 50,140 and 15¢ there. Within Team Super, we do have 12,704 and 30¢.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I did your next report, if you scroll along to the next document, is your performance report within Hub '24. So it does show that that withdrawal has come out. On the second page there, it does still show that you had over the past twelve months a 6.15% return net of fees. So your super has still made money. That's obviously affected the you know, gonna have a a bit more of a effect down the track when you know, from this year to next year.\n\nBut we'll see what we can do to help you kinda boost your super and build that back. But it is good that you're able to at least access that money for, you know, getting your dental work done. And it's good to see you still had a positive return net of fees as well. So I wanna make sure things keep working harder for you. When I look at how your super is invested, I can see on the first page of that report, there are a couple of investments that are underperforming a little bit.\n\nAre you comfortable with me going back and maybe having a look at your super and maybe switching up the portfolio, making sure it's working harder for you, maybe a bit more of a lower cost portfolio, and maybe changing up some of those investments there for you?\n\nChannel 1: Absolutely. And that's why it's with you guys, so you guys do all that for me, and I don't have to worry about it because\n\nChannel 0: Fantastic.\n\nChannel 1: I know nothing about Super. That's why I went with you guys.\n\nChannel 0: Absolutely. Well, I can definitely have a look at that for you. I know you can sort of see there that Bannalong Australian Equities is the main one that is down. That one there has been underperforming. And the idea of Bannalong, just to kinda give you a little bit of backstory there, Bennelong is an actively managed fund.\n\nSo the investment manager within that fund is trying to outperform against the market. They have not been able to do so this year, so we are taking the step to remove that out of the portfolios. I\n\nChannel 1: Yep.\n\nChannel 0: do have a couple of options depending on your comfort level. I can look to replace that with another active manager, or I can just look at a low cost portfolio that might still have good returns. Did you want me to sort of replace it with a like for like, like another active manager, or are you just sort of wanting to reduce the cost of the portfolio and make it work a bit harder to kinda replenish it?\n\nChannel 1: I'm wanting you to do whatever is best in my interest.\n\nChannel 0: I can do that for you. Absolutely.\n\nChannel 1: I want I want that's that's like I said, that's why you guys are there because you guys\n\nChannel 0: Yeah.\n\nChannel 1: know what you're doing. You make the decisions and just\n\nChannel 0: Yeah.\n\nChannel 1: go with whatever you guys decide. I don't care if I lose I don't\n\nChannel 0: No.\n\nChannel 1: lose everything.\n\nChannel 0: No. Completely understandable. And that's one of the things that is really important to me as well as an adviser is that I do work in your best interest. It is, you know, what we do, making sure that we are here to meet your goals and that any advice that is provided is done so in accordance the best interest duty and section out of the corporations that. So I will make sure I look after you.\n\nWhat I can absolutely do for you is go back. I'll review the sofa, the investments, how it is invested between, obviously, Team Super and Hub twenty four. Make sure you're in line with your, you know, asset allocation within your comfort level, but also look at the fees, the costs, and the capital gains consequences for making changes. So one of the things a lot of people don't realize is that your super fund, just like you, Your super fund also pays income tax and capital gains tax. So when we are looking at switching out the portfolios, we also take, you know, fees and tax consequences into effect.\n\nAnd I can look at, you know, trying to manage as much of those costs and changes as possible. And I can make the recommendation and show you what that looks like in the statement of advice. Are you comfortable with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yes. Fantastic. Well, I've got some really good ideas of what I wanna do. So I'll make sure I do that for you, and we'll come back in a couple of weeks and show you the recommendation. The next thing I kinda wanted to talk to you about was the insurance side of things.\n\nSo I know last\n\nChannel 1: Yes.\n\nChannel 0: year, we were going back and trying to have a look to see whether we could get new cover, and I know you had been denied cover in the past by the insurer. So where we were kind of at was going to we got the authority signed from you, and we had that sent to your doctor's office to see if we could obtain that, information from them. We\n\nChannel 1: Yep.\n\nChannel 0: did eventually get the letter. It took a bit of time, but we did eventually get the letter from them. Now\n\nChannel 1: Okay.\n\nChannel 0: it does essentially say that there was a decline, and it does give the reasoning behind doing so. It's obviously quite sensitive information. But did your doctor ever show you this letter or give you any of this information in the past?\n\nChannel 1: I can't remember. I don't I\n\nChannel 0: No.\n\nChannel 1: don't\n\nChannel 0: That's\n\nChannel 1: think they have any information. I I think I may have got the letter, but I'm not uneventful.\n\nChannel 0: no. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: thought I\n\nChannel 0: So\n\nChannel 1: thought I I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I\n\nChannel 0: yeah.\n\nChannel 1: thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I\n\nChannel 0: Yeah. So, essentially, with the letter, the outcome of what it says here and I'll are you happy for me to read that\n\nChannel 1: Yep.\n\nChannel 0: information to you? Yeah. Beautiful. So it does note here that Zurich and OnePath had essentially looked at providing the insurance application. It says here in the reason for the decision or the decline was that when they look at an insurance application, they take into account several different considerations or factors.\n\nThey've taken into consideration the amount of cover applied for your occupation, your age, your smoker status and history, mental health records as well. It's also got here obesity, gastric surgery, and then it's also got here that they also considered talking to account hepatitis c and recreational drug and substance use.\n\nChannel 1: That's\n\nChannel 0: They've\n\nChannel 1: why you've\n\nChannel 0: all\n\nChannel 1: got us the recreational drug use, that was well,\n\nChannel 0: a long time ago.\n\nChannel 1: I've\n\nChannel 0: Yeah.\n\nChannel 1: I've heard you said that again.\n\nChannel 0: Yeah. No. They also note down here that they also took into account some memory issues, some back pain, and it says here that they found or there was a record of assault and or coma. Have you had anything in the past where you were in in a in a coma or had a head injury of some sort?\n\nChannel 1: Yeah. Very long time ago. Yes.\n\nChannel 0: Okay. Okay. So,\n\nChannel 1: I was\n\nChannel 0: essentially\n\nChannel 1: that is it ain't easy, I think.\n\nChannel 0: very long time ago. Yeah. Okay. No worries. So that's essentially the reason in 2024 for why they declined the the cover.\n\nIt was basically a combination of the recreational substance abuse, so the drug use that was disclosed. They kind of\n\nChannel 1: Yep.\n\nChannel 0: also linked that to the mental health, and then they also noted that there was memory issues and the fact that you were in a coma in the past and then, obviously, the back pain. So all of those things that coincided together increased the risk of the application and would have resulted in more than three exclusions and or loadings on the policy. So in that instance, it's a straight decline. I had a look at some other options and providers. There may be an option down the track, but I would need to reassess everything from start to finish for you.\n\nI know it's probably not preferable. I'm very sorry to have to do this.\n\nChannel 1: Look.\n\nChannel 0: I would\n\nChannel 1: No. It's\n\nChannel 0: need\n\nChannel 1: not.\n\nChannel 0: to I wanna\n\nChannel 1: I\n\nChannel 0: kinda\n\nChannel 1: I\n\nChannel 0: get the\n\nChannel 1: I understand\n\nChannel 0: best\n\nChannel 1: it.\n\nChannel 0: options.\n\nChannel 1: I just don't understand why they declined me back then, but yet when I applied for life insurance and gave them all the exact same details as you've got there, they've they've covered me. No worries.\n\nChannel 0: Yeah. Was that with the team super that you're talking about with that life\n\nChannel 1: No.\n\nChannel 0: cover?\n\nChannel 1: No. No. No. No. No.\n\nI've got life insurance now, actually,\n\nChannel 0: Do you?\n\nChannel 1: because, yeah, because I couldn't\n\nChannel 0: Yeah.\n\nChannel 1: I was having trouble getting insurance through the super and all that. I actually\n\nChannel 0: Yeah.\n\nChannel 1: went out, and I got myself life insurance. So\n\nChannel 0: Okay.\n\nChannel 1: and I I only went for a small amount. I only went like, when I said small amounts, $8,800,000.\n\nChannel 0: That's that's not a small amount. That's a good amount of cover. Yeah. Absolutely. No.\n\nChannel 1: So I\n\nChannel 0: Every\n\nChannel 1: I\n\nChannel 0: absolutely.\n\nChannel 1: I actually got approved for that within, yeah, I'd say half an hour. By the time they\n\nChannel 0: Yeah.\n\nChannel 1: I hung up on the call and they did all their checks and all that and\n\nChannel 0: Perfect.\n\nChannel 1: called me back and approved me. So\n\nChannel 0: Yeah.\n\nChannel 1: I do have life insurance, so\n\nChannel 0: Yep.\n\nChannel 1: I'm not overly fussed with my super insurance. But\n\nChannel 0: Yeah.\n\nChannel 1: as as my OPAR used to always say, the more the better.\n\nChannel 0: Absolutely. And I think with with the application that we were going through originally, it wasn't just for life cover. It was also about disability cover as well.\n\nChannel 1: Yes. That's\n\nChannel 0: And the\n\nChannel 1: right.\n\nChannel 0: risk on the disability cover is absolutely higher than the life for a lot of what has been disclosed in the past. So I can\n\nChannel 1: Yeah.\n\nChannel 0: sort of see that's where the risk factor laid with the insurer and why that decline kinda came through. So I am really apologetic that that didn't that we weren't able to have this conversation earlier with you. I wanna make sure that moving forward that we don't kind of miss these things and that we are more on top of things with you, definitely. It did take a lot longer to get this report from the doctor's office, and we certainly had anticipated as well. It kinda came through early this year.\n\nThey were sort of holding back on providing it. We followed up a few times there as well. So it is\n\nChannel 1: It's\n\nChannel 0: good\n\nChannel 1: because\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: we\n\nChannel 1: haven't\n\nChannel 0: now\n\nChannel 1: saved\n\nChannel 0: have\n\nChannel 1: them in that\n\nChannel 0: a\n\nChannel 1: long.\n\nChannel 0: base. It's all good. Essentially, it is good that we've kinda got this base now for you. You do have that life cover. Who is that life cover through?\n\nWhat's the insurer that you got it through?\n\nChannel 1: Yeah. There you there you're testing\n\nChannel 0: Sorry.\n\nChannel 1: me.\n\nChannel 0: I'm asking all the tough ones, aren't I?\n\nChannel 1: I have to have that. Now you're on a second. It should be out of the two. No\n\nChannel 0: That's okay. Does is it, like, one\n\nChannel 1: idea.\n\nChannel 0: of the ones that you see on the television, like insurance line or\n\nChannel 1: Yeah.\n\nChannel 0: real insurance, or is it sort of one of the big name insurers?\n\nChannel 1: I I think it's one of them because I was gonna go through Suncorp\n\nChannel 0: Yep.\n\nChannel 1: because I took my home insurance and cars and everything a week, but they they said no base basically to some of my health issues in the past, but also my line of work.\n\nChannel 0: Yes.\n\nChannel 1: So all sort of a right. Yeah. We we we you're better off going with a insurance broker or something along them lines.\n\nChannel 0: Yeah.\n\nChannel 1: I went through them and like I said, yeah, they no dramas in covering me. They offered me\n\nChannel 0: Yep.\n\nChannel 1: a lot more money,\n\nChannel 0: Yep.\n\nChannel 1: but, obviously, at a lot higher lot higher cost.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Definitely.\n\nChannel 1: give it again. Here\n\nChannel 0: And and I\n\nChannel 1: we\n\nChannel 0: mean,\n\nChannel 1: go.\n\nChannel 0: in yeah.\n\nChannel 1: Direct\n\nChannel 0: Sorry.\n\nChannel 1: cover.\n\nChannel 0: You're right. Direct cover.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. And who does it say on that email who the underwriter is of the policy?\n\nChannel 1: Oh, I just went through my bank to see who I was paying. This I've got my alright. My mhmm.\n\nChannel 0: It\n\nChannel 1: Might\n\nChannel 0: would say\n\nChannel 1: be\n\nChannel 0: underwritten\n\nChannel 1: able to\n\nChannel 0: by, like, Zurich or AMP or Zurich or OnePath or Tal or, like,\n\nChannel 1: okay.\n\nChannel 0: another insurer or Suncorp.\n\nChannel 1: Alright. Who's uncle? That would be funny. Let me so where would I find that? Direct coverage trading name of Nielsen Financial Services that does a agent of insure Hallmark Life Insurance Company.\n\nChannel 0: Hallmark, a life insurance company. Okay. I\n\nChannel 1: Yeah.\n\nChannel 0: can have a look at that for you.\n\nChannel 1: And Hallmark Life is part of St. Andrew's Insurance Group. I'm just reading all the from the bottom of the\n\nChannel 0: Yeah.\n\nChannel 1: email there.\n\nChannel 0: You're absolutely fine. I'm having a look at them now to see\n\nChannel 1: Because it just says\n\nChannel 0: who\n\nChannel 1: direct\n\nChannel 0: their\n\nChannel 1: cover\n\nChannel 0: underwriter\n\nChannel 1: is is a\n\nChannel 0: is.\n\nChannel 1: trading name of Nelson's Financial Services. Direct cover products are insured and managed by direct cover as\n\nChannel 0: Yep.\n\nChannel 1: agent of the insurer, Hallmark Life Insurance Company.\n\nChannel 0: Yep. So that's\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: don't know if\n\nChannel 0: yeah.\n\nChannel 1: will it be an\n\nChannel 0: So\n\nChannel 1: ABN\n\nChannel 0: it\n\nChannel 1: and a s AFSL\n\nChannel 0: yeah.\n\nChannel 1: number or anything?\n\nChannel 0: Yeah. So it is just saying that Hallmark is the underwriter of the policy. Perfect.\n\nChannel 1: Oh, yeah. There we go.\n\nChannel 0: Yep.\n\nChannel 1: And and the right product is changing changing the right ear and playing with.\n\nChannel 0: No. All good. Perfect. Thank you so much for that. Excellent.\n\nSo you've got the life in cover you've got the life cover there now with the 800,000 of cover, which is fantastic. With your team, Sophie, you still also do have a 100,704 and $30 there with life cover as well. So, theoretically, if you were to pass away today based on your current circumstances, you've got 800,000 of life cover there plus a $107.00 $4.30 plus your super balance\n\nChannel 1: K. I've nearly\n\nChannel 0: 12\n\nChannel 1: nearly\n\nChannel 0: 74.\n\nChannel 1: a million dollars.\n\nChannel 0: Yeah. It works out to do that 969,548 and 75¢. They're between all three because if you were to pass away today, we could claim on the two types of life cover as well as your super benefit and have all that paid out. Now in saying that, what where is it that you want to have that money paid to? What's important to you to\n\nChannel 1: Yep. I\n\nChannel 0: have your life insurance cover?\n\nChannel 1: so it's all nonbinding\n\nChannel 0: Right.\n\nChannel 1: to go to the kid's mom. I've still got I've still got to get a will done, but once once all that money comes through, it will obviously pay off all the debts, the house, the the the car, and all that. And then the rest of it goes to to her to either divvy up between everyone or just look after everyone.\n\nChannel 0: Yep. Absolutely. Now you've made mention you've got a nonbinding beneficiary nomination on that policy. Do you understand how those nominations work and what nonbinding means?\n\nChannel 1: No. From what they told me, it means it can't be changed. And even if I didn't want the money to go if I don't change it, the money goes\n\nChannel 0: Mhmm.\n\nChannel 1: to them regardless.\n\nChannel 0: So is it maybe binding, nonlapsing or binding,\n\nChannel 1: No.\n\nChannel 0: lapsing?\n\nChannel 1: That's it. Nonlapsing.\n\nChannel 0: Yep. That's okay. I just want to clarify that because nonbinding is something very different. Nonbinding nominations essentially don't bind the trustee of the insurance company to follow the direction. Essentially, they can then look at your nomination.\n\nThey take that into account, but they make the call. Whereas\n\nChannel 1: No.\n\nChannel 0: if\n\nChannel 1: It's\n\nChannel 0: it's\n\nChannel 1: a\n\nChannel 0: binding\n\nChannel 1: it's\n\nChannel 0: binding\n\nChannel 1: a bind binding non lapsing. Finding\n\nChannel 0: beautiful.\n\nChannel 1: non lapsing. So\n\nChannel 0: Excellent.\n\nChannel 1: I don't have\n\nChannel 0: So\n\nChannel 1: I don't have to sign a form every year to to\n\nChannel 0: perfect.\n\nChannel 1: to keep it up to date.\n\nChannel 0: That's exactly right. And that's how we wanna make sure it is on your super as well with your team super and and your hub 24. Did\n\nChannel 1: That's\n\nChannel 0: you\n\nChannel 1: definitely the same as Hub 24. I know that. Definitely.\n\nChannel 0: it is. Yeah. It is. I'm just double checking those now because we do a bit of an audit prior to the call. So on your hub 24, you have a binding non lapsing to Carol, so you'll start for\n\nChannel 1: That's\n\nChannel 0: a\n\nChannel 1: it.\n\nChannel 0: 100% of the benefit. And with your Team Super, you do also have a binding beneficiary nomination. It is lapsing. So Team Super don't allow the non lapsing\n\nChannel 1: Yeah. I've\n\nChannel 0: option\n\nChannel 1: I've\n\nChannel 0: at\n\nChannel 1: I've\n\nChannel 0: the\n\nChannel 1: got\n\nChannel 0: moment.\n\nChannel 1: an immediate home every\n\nChannel 0: We every three years. So the next time it is due is, yep, in 2028. So we'll make sure that that in your review prior that we help you to organize and update that nomination. That way, it's all done, ready, and doesn't lapse for you. Okay?\n\nChannel 1: Yep. Sounds\n\nChannel 0: Excellent.\n\nChannel 1: good.\n\nChannel 0: Fantastic. Well, you've done a great job. Sorry to confuse you there. I'm so glad that we have that nomination correct. Yeah.\n\nHaving that binding is always the best way. And, look, you know as well as I do those nominations can be painful to fill out all the time. So having it nonlapsing means that it stays in place permanently and that we always try to review these with you on a regular basis. So if and when something was to happen and you wanted to change that nomination, you can let us know. We can have it updated to help you out.\n\nOkay?\n\nChannel 1: Yeah.\n\nChannel 0: Now the other thing I wanted to ask is with the life insurance policy, you have this placed in force, obviously, I don't wanna go out there and cancel that, but I do wanna make sure that having us as your advisers means we can assist you with the policy as well. Are you comfortable if we add an authority to collect onto that policy? It allows us to be able to call and help you to, a, you know, get quotes, understand the policy, and keep a record of that policy on file with everything else that we help and monitor for you.\n\nChannel 1: I don't know.\n\nChannel 0: That's okay.\n\nChannel 1: I I just I got approved, signed all the forms, and I handed the the letter they gave me with all the details on it to Carol. So she's got it all, so she knows\n\nChannel 0: Yep.\n\nChannel 1: that the life insurance is there. She's the beneficiary of it and all that. So\n\nChannel 0: Yeah.\n\nChannel 1: I don't I don't.\n\nChannel 0: That's that's okay. The main reason we try to sort of have the authority to collect on file, we can't make changes on your behalf. It's an authority to inquire only. It helps us to understand what you have available to you when we're assessing your total circumstances and helping you to meet your goals. So understanding what insurance you have, where, and when is a really important aspect.\n\nThe other side of it is if we don't have an authority on the policy, which is absolutely fine if you choose not to do so. It just means that we're gonna ask you every year what your current insured amount is and make sure that that's still in line with your goals because we have an obligation with everything else to make sure it's all correct and in line with your goals, and that's about making sure we understand your circumstances as a whole and taking into account all possible information to do that. So it's up to you. You don't have to add the authority on file. We try to make sure we can add those authorities to make sure we're assisting you and understanding what you have available to you to help you meet your goals.\n\nChannel 1: Hello?\n\nChannel 0: But if you choose not to, that's fine. We'll just make sure as part of the annual review, it's here. We ask you how much your insurance policy is, and we might just ask you to provide a statement so we can kinda keep a record of that on file for you. Okay?\n\nChannel 1: Yeah, bro. Well, I'll say I'll I'll leave it as is at the moment, but, obviously, if\n\nChannel 0: Yeah.\n\nChannel 1: I change my mind, which I\n\nChannel 0: Yeah.\n\nChannel 1: most likely will, I'll\n\nChannel 0: Yeah. That's\n\nChannel 1: I'll just\n\nChannel 0: okay.\n\nChannel 1: call up and book an appointment so we can just go through it then. Is that\n\nChannel 0: Yeah.\n\nChannel 1: if that's okay?\n\nChannel 0: Absolutely. Absolutely. Now you've got your life insurance fairly covered, which is fantastic because that is really important. In the event of you passing away, you wanna make sure Carol is looked after and your bills are paid. Fantastic.\n\nThe other thing that you obviously were talking about down the track is disability cover. Now with your TPD or total permanent disability cover, do you understand what that covers, how it works, how it's\n\nChannel 1: Through the life insurance or through the super?\n\nChannel 0: paid? The the TBD you have through super, it's disability insurance through super.\n\nChannel 1: Okay. No. I don't know how that works.\n\nChannel 0: No. That's okay. You're fine, honestly. So TBD pays out a lump sum or an income stream in the event that you're unable to ever go back to work again. It's called total permanent disability cover.\n\nInside your\n\nChannel 1: Yep.\n\nChannel 0: Team Super, you actually have that kinda cover. You have a 100,704 and $30 worth of cover there. Now the kicker with TBD is when it's held inside Super, you in order to meet the definition to claim it, basically, you have to be never able to go back to work again for any occupation for which you are educated, trained, or have worked. So it is a pretty hard definition to claim on.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, if you were to claim on that policy and you were under the age of 60, unfortunately, there is tax applied if you then withdraw the full benefit amount. So tax and it's disgusting. I do not think it's correct in any way, shape, or form, but the tax on that could be up to 22% if you claim and take the amount fully out of super. So you withdraw the funds to your bank account. If\n\nChannel 1: Yeah.\n\nChannel 0: you were to ever claim on that, we would help you to claim provide advice on how to limit the tax and how to use the funds so they last a bit longer. But the main thing I kinda wanted to find out was if in the event that you were unable to ever go back to work again, so you were fully disabled and never able to work again, what kind of benefit would you need? Do you feel like that level of cover you have is fine, or would you wanna try and get something a little bit more? I know in the past, we have been declined for cover, but I'm happy to go back and try and reassess things wholly if you would like me to. I just wanted to find out your thoughts and make sure I'm giving you all the information around the product that you do have.\n\nChannel 1: Again, whatever you you think is best. Mhmm.\n\nChannel 0: Well, think of it this way. Like, if you were never able to go back to work again today, if you were just fully disabled and you couldn't go back to work again and you claimed all that $100,000 policy, we were also able to release your super. So you've got 56,000 in hub 24 and now 12,000 in team super there as well.\n\nChannel 1: Plus plus\n\nChannel 0: It just\n\nChannel 1: the eight\n\nChannel 0: sent\n\nChannel 1: 100,000 from my life insurance because that's got the TPD on it as well.\n\nChannel 0: does that have TBD as well?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yep. Beautiful. So you've also got 800,000 of TBD attached to your life cover through that new insurance policy as well.\n\nChannel 1: Yes. I've got I I made sure that was in there because if something\n\nChannel 0: Yep.\n\nChannel 1: was to happen in that dramatic sense,\n\nChannel 0: Yeah.\n\nChannel 1: I could at least pay the house off and\n\nChannel 0: Yep.\n\nChannel 1: all all the bills would be gone. And then I would, you know, obviously, I wouldn't have an income, so I would withdraw on the supers and that. And I wanna say least comfortably, but know that the rates are paid and the bills are paid and\n\nChannel 0: Right.\n\nChannel 1: not\n\nChannel 0: So paid\n\nChannel 1: stressed.\n\nChannel 0: yep. Absolutely. Perfect. So, realistically, you've got a fair amount of life and TPD there. You're fairly comfortable with that level of cover.\n\nThat's okay?\n\nChannel 1: Oh, yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: the way the way I looked at it when I signed up was at the close to a million dollars if that incident happened, which would, like I said, pay off the house, pay off the loans that I have, the credit card, and all that,\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: then just not overspend and try and live off the rest.\n\nChannel 0: Well, the good thing is if you sort of think about having the mortgage fully paid off, if you're paying, you know, $4.05, or $600 a week in mortgage repayments, if you've then taken\n\nChannel 1: 900.\n\nChannel 0: that money and you've paid the mortgage 900. Sorry. If you've paid the mortgage off, that's $900 extra that's in your pocket. So, theoretically, your living expenses should decrease, which means you should be able to live on a little bit less than what your actual income is in the event of claiming on one of those covers. Yeah.\n\nChannel 1: Yes. 100%. Instead of needing $2,000 a week, I would only need 5 hundreds.\n\nChannel 0: Yeah. Absolutely. Perfect. Excellent. Well, I'm glad that we've got that kinda covered for you for the moment.\n\nThe other type of insurances that you don't seem to have that I'm aware of is income protection. Do you have much in the way of\n\nChannel 1: No.\n\nChannel 0: sick leave, annual leave, or things to fall back on if you are not at work in a short term?\n\nChannel 1: No. I have about Yeah. I have about seventy seventy eight days of sick leave,\n\nChannel 0: Yep.\n\nChannel 1: and I've only got about five weeks of annual leave at the moment, which will obviously\n\nChannel 0: Yep.\n\nChannel 1: go down there. If I get my teeth done, that will go down another week or two.\n\nChannel 0: Yep.\n\nChannel 1: So I've I've I've I've got about three weeks annual leave after all that plus, like I said, about nearly eighty days of sick leave.\n\nChannel 0: And eighty days of sick leave. Yep. That's okay. We could go back and see if we can find and are able to get maybe some income protection cover for you. Or do you feel like you need income protection?\n\nAre you fairly comfortable like, how would you sort of cover the bills and expenses if you were not able to go to work in the short term outside of that sick leave and annual leave?\n\nChannel 1: I couldn't.\n\nChannel 0: You couldn't? Does does your does Carol work? Is she\n\nChannel 1: We're\n\nChannel 0: earning\n\nChannel 1: not\n\nChannel 0: an\n\nChannel 1: together.\n\nChannel 0: income? Oh, okay. She's your partner, but not\n\nChannel 1: Yeah. She's\n\nChannel 0: not married.\n\nChannel 1: the my she's my kid's mother. We were\n\nChannel 0: Okay.\n\nChannel 1: together and we split, but we\n\nChannel 0: No.\n\nChannel 1: yeah, still very\n\nChannel 0: That's,\n\nChannel 1: close.\n\nChannel 0: like, yeah, no. That's absolutely fine. That's not a problem at all. I just didn't wanna sort of put my foot in or say anything wrong, but\n\nChannel 1: No.\n\nChannel 0: want to\n\nChannel 1: No.\n\nChannel 0: make\n\nChannel 1: I\n\nChannel 0: sure\n\nChannel 1: I'm\n\nChannel 0: I understand you're\n\nChannel 1: yeah.\n\nChannel 0: right.\n\nChannel 1: No. No. I'm I'm very I'm\n\nChannel 0: Yeah.\n\nChannel 1: very much, unfortunately, single, but\n\nChannel 0: It's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: spend I I only have weekends off work, and I spend all weekend with the kids and her and\n\nChannel 0: Yeah.\n\nChannel 1: family. So\n\nChannel 0: Yes. That's absolutely fine. Family is still important. It sounds like you have a really good, you know, quality of life with your family, and you guys get along really\n\nChannel 1: Most\n\nChannel 0: well.\n\nChannel 1: times.\n\nChannel 0: Yeah. Oh, look. Even married couples don't get on that well sometimes.\n\nChannel 1: That's\n\nChannel 0: No.\n\nChannel 1: true.\n\nChannel 0: Oh oh, good. Fantastic. Did you want me to see if I could maybe obtain a bit of income protection for you? It does mean I would have to go back and, you know, look at your circumstances and reassess your medical history and see what's available to you. Or how do you feel about income protection?\n\nWould you like me to do that? I'm more than happy to do so.\n\nChannel 1: If you can look into that, that that'll be\n\nChannel 0: Yep.\n\nChannel 1: much appreciated.\n\nChannel 0: Yep. Perfect. Into that. No worries at all. Now there's a couple of things to take into account when we look at income protection.\n\nThe first one is obviously the benefit amount. So the most you can technically cover yourself for with income protection is up to 70% of your pretax disability income. Did you want me to try and cover you for the maximum of your income that we can, the 70%,\n\nChannel 1: So\n\nChannel 0: or do you feel like maybe a lesser benefit would be comfortable\n\nChannel 1: is that 70% of my income before tax or after tax?\n\nChannel 0: before tax?\n\nChannel 1: Before tax. Okay.\n\nChannel 0: Yeah. Pre\n\nChannel 1: No.\n\nChannel 0: disability,\n\nChannel 1: That's\n\nChannel 0: pretax income. Yeah.\n\nChannel 1: okay. No. I'd I'd I'd I'd have to look at the the latter, like, the highest amount.\n\nChannel 0: The higher amount? Yep. So the 70\n\nChannel 1: Yeah.\n\nChannel 0: percent is the max benefit? Absolutely. Not a problem. The other side of it is they also have what's called a waiting period. It's how long you have to be off work prior to you actually making a claim.\n\nGenerally,\n\nChannel 1: Yep.\n\nChannel 0: a benefit period can start at thirty days, be up to sixty days, or ninety days. The longer the waiting period that you the longer you have to wait for a claim means the cheaper the policy can be. So, obviously, a thirty day waiting period makes the policy more expensive. Do you think you would need to have the earliest waiting period near try to claim within thirty days, or do you think you'd be happy with something longer to try and make the policy cheaper?\n\nChannel 1: No. I'd I'd need to yeah. I wouldn't be able to wait that long.\n\nChannel 0: No. That's okay. So thirty days would have to be the lowest that we can do. So we try and get\n\nChannel 1: Yep.\n\nChannel 0: a thirty day waiting period. Yeah. Absolutely. Not a problem. And then we also have what's called a benefit period.\n\nThis is how long you can be on a claim for. It is tough cause you never know if you're gonna be on a claim. Generally, claims can go for two years, five years, or up to age 65 with income protection policies. Did you wanna look at maybe a longer benefit period for the risk that you\n\nChannel 1: Yes.\n\nChannel 0: may be on a claim longer? Yeah.\n\nChannel 1: Yes.\n\nChannel 0: The most expensive benefit period is age 65. Did you wanna look at five years sort of a happy medium?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yep. Five years to start with. Beautiful. Five years benefit period.\n\nExcellent.\n\nChannel 1: Because I\n\nChannel 0: And\n\nChannel 1: just\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: income\n\nChannel 1: just I just looked at it. 70%\n\nChannel 0: Yeah.\n\nChannel 1: of my before tax income would cover cover everything. That's just nearly $2,300. So\n\nChannel 0: Yep. Okay. Perfect. And income wise, I've got you earning. So the last conversation, you were on about 150,000 per annum.\n\nIs that still fairly accurate income wise?\n\nChannel 1: Around 60.\n\nChannel 0: $1.60? Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Update\n\nChannel 1: So\n\nChannel 0: that for you.\n\nChannel 1: and and an average week, if I don't do any other work, I'm just working all week on before tax, just shy\n\nChannel 0: Yep.\n\nChannel 1: of 30 to $300.\n\nChannel 0: Okay. Perfect. And are you managing to save much on out of your income once they everything's kinda going to expenses? Yep.\n\nChannel 1: Nope. Everything goes to expenses. I don't have\n\nChannel 0: Yep.\n\nChannel 1: savings.\n\nChannel 0: Nope. That's understandable. All good. We can it's life is extremely expensive at the moment, you there's so many people in the same boat.\n\nChannel 1: Yep. My\n\nChannel 0: Alright.\n\nChannel 1: pay goes in on Thursday afternoon, and I'm\n\nChannel 0: And\n\nChannel 1: broke\n\nChannel 0: it's gone.\n\nChannel 1: by Sunday Sunday night.\n\nChannel 0: Sounds right. Yep. Understandable. All good. When I'll go back and have a look at sort of what kind of contracts might be on offer, I will need my team to maybe touch base over the next couple of days and or, you know, next week or so and do a bit of a pre assessment with you just to kind of get a gauge on the health history that, a, we may have, but, b, anything additional that I may need to understand so I can go out there to all the different insurers.\n\nI do what's\n\nChannel 1: Yep.\n\nChannel 0: called a blind pre assessment. They don't know anything about you other than that, you know, you're a male of a certain age, and then I have all these, you know, your health basically written down on a pre assessment system. I send that out to the insurers, and they come back and tell me what kind of contracts they might offer. There is\n\nChannel 1: Yep.\n\nChannel 0: a risk depending on what is disclosed. They may decline to offer income protection.\n\nChannel 1: Not\n\nChannel 0: If\n\nChannel 1: a problem.\n\nChannel 0: there is if there is that option, we can also look at other things. So one of the things I do try to work on with clients who are unable to get additional disability cover is to look at building wealth outside of super, set up saving plans as well to kind of, you know, save money to provide a bit of an offset. I can also go back to Team Super and see what their income protection policy looks like, have a look at their income the application process, and see if I can maybe get something through through Team Super for you as well. So I'll kinda run all those avenues. I won't let it run as long as it did last year, and I'll make sure that we get you booked back in to have your advice presentation in a couple of weeks as well.\n\nIs that okay?\n\nChannel 1: That's fine.\n\nChannel 0: Yep. Beautiful. Excellent. But I just wanna make sure I'll try to be open and honest and let you know, look, I'll go out there and do all the work, but there is a risk of a decline. If it comes back that I'm not able to get any kind of cover, I'll come back with some different options as part of the advice and show you, you know, let you know that this is what the outcome is.\n\nBut these are things that we can do down the track for you to assist you to kinda close that gap with the risk. Is that alright?\n\nChannel 1: That's fine.\n\nChannel 0: Yeah?\n\nChannel 1: Thank you.\n\nChannel 0: Beautiful. Excellent. All good. Now there are other types of cover that you can hold. Now the other thing I just forgot to ask before, sorry, with your wife and TPD, with that new insurance policy, is that paid out of pocket, or are you having that paid out of your super funds?\n\nOut of pocket. Okay. Beautiful. How much are they charging you for that at the moment on a monthly basis?\n\nChannel 1: Just shy of a $100 a month.\n\nChannel 0: Okay. Fantastic. That's not bad at all per month. Excellent. And with the income protection side of things, you can hold that inside super the same as your other funds.\n\nYou can also pay some of it out of your back pocket. Did you want it all to be structured inside super, or did you were you okay if I recommended a little bit? Sorry. You're right.\n\nChannel 1: Structure to a super if we can.\n\nChannel 0: Through Super. Yeah. Absolutely. You know, we don't wanna eat away all of you. Yeah.\n\nYou're already utilizing all of your income for bills and expenses. We don't wanna overextend you too much. Absolutely. Beautiful. Because of the way everything is at the moment with, obviously, your bills and expenditure, looking at more cover outside of Super isn't really an option.\n\nAnd do you feel like making additional contributions to super to kind of build it back up again is sort of off the cards at the moment? Would you be open to doing that,\n\nChannel 1: It's\n\nChannel 0: and\n\nChannel 1: not.\n\nChannel 0: how do you feel?\n\nChannel 1: No. It's a 100%\n\nChannel 0: No.\n\nChannel 1: off the cards.\n\nChannel 0: No. That's okay. Not a problem. All good. I'll make sure that we we can sort of focus on things like that down the track as well if you're comfortable too.\n\nI'll sort of reassess it with you moving forward. Is that okay, Chris?\n\nChannel 1: Yep. Yeah. That's fine.\n\nChannel 0: Yeah. Beautiful. Moving forward. Excellent. I've got down here so assets I've got down here, your main primary residence.\n\nLast valuation we have was about 680,000. Would\n\nChannel 1: 7\n\nChannel 0: you\n\nChannel 1: 50.\n\nChannel 0: say that's gone $7.50? Beautiful. Have you had it valued recently? Or\n\nChannel 1: I had it valued at the start of the year when I refinanced it. I was valued at two two different values came through, and they both valued it at 750.\n\nChannel 0: oh, fantastic. Excellent. Excellent. Did you get a better rate?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. I know. I look at my mortgage rates these days and go, oh my god. It's horrendous.\n\nTry to keep refinancing, but then it keeps going up again. It's one of those things, isn't it?\n\nChannel 1: So we're always gonna go up.\n\nChannel 0: That's it. The mortgage on the property, we had about 517,000. What do you owe on the property at the moment?\n\nChannel 1: Cost for the 600.\n\nChannel 0: 600. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And then\n\nChannel 1: You can do\n\nChannel 0: other\n\nChannel 1: with their\n\nChannel 0: assets\n\nChannel 1: clients.\n\nChannel 0: that's okay. Other assets, I had your car down as well with an asset value of 50,000. How would you value your car currently,\n\nChannel 1: Which\n\nChannel 0: do you think?\n\nChannel 1: which which which car is on file?\n\nChannel 0: I'm not gonna lie. It does actually say it just says car. Which\n\nChannel 1: Okay.\n\nChannel 0: car would you value that? Yeah.\n\nChannel 1: So I've got the brand new Kia Tasman now, and I value that at yeah. I'd still value that at about 65,000.\n\nChannel 0: 55? Beautiful.\n\nChannel 1: Yeah. And\n\nChannel 0: Yep.\n\nChannel 1: I've also\n\nChannel 0: That's it.\n\nChannel 1: in my in my name, I also got the yeah. I'm sorry. Another car. I'd value that at around 35,000.\n\nChannel 0: Yep. Beautiful. Fantastic. Do you have loans on either of those vehicles?\n\nChannel 1: I have a loan on the Staria, the Kia\n\nChannel 0: That's\n\nChannel 1: I own\n\nChannel 0: a\n\nChannel 1: outright.\n\nChannel 0: high end. Yep. Beautiful. I'll just update that for you. And how much do you have on the Hyundai?\n\nHow much do you owe? Sorry.\n\nChannel 1: Around 40? 35. Yeah. About 35,000 a on\n\nChannel 0: 35.\n\nChannel 1: it.\n\nChannel 0: Yep. Beautiful. Excellent. And any other assets you'd note down? Any other shares or assets of anything or any other valuables?\n\nChannel 1: No. Just the cars in the house.\n\nChannel 0: Yep. That's okay. Not a problem at all. Now I've confirmed that your beneficiary nominations are all in line and appropriate there. Wills and power of attorneys, have you spoken to your partner and your kids, and have you ever spoken to a solicitor about maybe getting a will or power of attorney\n\nChannel 1: No.\n\nChannel 0: and join\n\nChannel 1: But\n\nChannel 0: this\n\nChannel 1: that's\n\nChannel 0: visa.\n\nChannel 1: that's that's exactly what I need to do.\n\nChannel 0: Yep.\n\nChannel 1: I've I've been thinking about it for a long time, and people have told me, oh, yeah. You can just do the three wheel kits, but I don't know how that will work or anything. So yeah.\n\nChannel 0: Yep.\n\nChannel 1: I do need to get one put in place after what happened last week with this fellow with a friend,\n\nChannel 0: Yeah.\n\nChannel 1: coworker.\n\nChannel 0: Oh,\n\nChannel 1: He\n\nChannel 0: I'm so sorry.\n\nChannel 1: he had a trucker. It couldn't just the other side of the border in South Australia and died. So\n\nChannel 0: Oh, I'm so sorry.\n\nChannel 1: No. That's alright. It it happened in a lot of work, unfortunately.\n\nChannel 0: Yeah. No. It's one of the things I am learning as I get older. I'm in my forties now, and it is a factor of life that, unfortunately, we end up to go into more funerals and things like that. But it's also, unfortunately, a factor of my job that we do have a lot of these conversations and kind of reiterating the importance of having a will and a power of attorney set up to make sure that your wishes are adhered to.\n\nA power of attorney, especially having an enduring power of attorney to, you know, make sure that you've got someone nominated to act on your behalf in the event that you can't is really important to do so. So I know will kits can be a little bit difficult as much as they are cheaper. Having a solicitor, obviously, is a the best option, but there are other options out there. So every state does have, like, a local trustee that can put you in contact with someone to do up a simple will fairly simply, and they are done by solicitors, and they are legal wills. If you wanted to, you're in Victoria.\n\nI could find the local one for you and email that information through if you like.\n\nChannel 1: Yes, please.\n\nChannel 0: Yeah. Beautiful. Just so you've got a bit of information around who to contact, how it works, and then you can kinda go from there to make it a bit easier on you.\n\nChannel 1: Yep. I would appreciate that.\n\nChannel 0: No. That's okay. Not a problem at all. I'll get that email drawn up for you. It's not a problem.\n\nWhen we're sort of looking at the advice moving forward, we originally had here that, realistically, you were hoping to retire around about the age 67. Now you are still really young.\n\nChannel 1: That's\n\nChannel 0: You have\n\nChannel 1: not\n\nChannel 0: a\n\nChannel 1: gonna\n\nChannel 0: lot of\n\nChannel 1: that's\n\nChannel 0: time\n\nChannel 1: not\n\nChannel 0: on\n\nChannel 1: gonna\n\nChannel 0: your\n\nChannel 1: happen.\n\nChannel 0: side. You reckon you'll be working longer?\n\nChannel 1: Oh, if my mom is still alive, I ain't gonna be working well into the eighties.\n\nChannel 0: Yep. For save goals wise, did you want me to work on 67? Because that is the age at the moment that you're able to access the age pension. Look. I'm the same age as you, so I hope we could still have the age pension.\n\nChannel 1: Yeah. I'd\n\nChannel 0: But\n\nChannel 1: I'd say work on the age of 70.\n\nChannel 0: yeah. Age of 70? Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: I can do that for you. Beautiful. With the advice, I only factor in the next five to ten years currently, because, realistically, there's a lot of changes that could happen in your life in that time frame. But in the back end, we do kind of look a bit deeper and find out where we're sort of tracking longer term. That's absolutely fine.\n\nWe originally had here that you were hoping to draw about a thousand dollars a week income in retirement from your super. I know down the track that could absolutely change. That is in today's dollars, which could be needs to be a lot higher down the track. But do you still feel a thousand dollars would be, you know, what you'd hope to draw down income wise in today's dollars in the future?\n\nChannel 1: Oh, yeah? I'm talking to that.\n\nChannel 0: Yeah. Yeah. That's\n\nChannel 1: I don't\n\nChannel 0: okay.\n\nChannel 1: I don't I don't even remember sending that amount. Yeah. No. That's verified.\n\nChannel 0: That's okay. What you kinda tell us now just gives us a base for a goal on how we're sort of tracking forward. However, when you actually get to the years that you decide you wanna retire, we'll look a lot deeper at what you actually need to draw down, look at how we draw that down, whether we can incorporate Centrelink, and what other advice we provide to make sure it lasts as long as possible\n\nChannel 1: Yes.\n\nChannel 0: for you. Okay? At the moment, it's just giving us a base for a goal, and we know that can absolutely change due to so many factors down the track. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. All good. There just to kind of recap, so I'm gonna go back and review the super for you. Also, have a look at the underlying investments there. I'll check your risk profile shortly to make sure that everything is in line with that correctly.\n\nWe're happy to retain the insurances at the moment, but I'll look at trying to get you some income protection to make sure it's paid for inside super. We're not looking at any new cover outside of super. Not looking at any additional contributions at the moment to kinda limit the expenses on your cash flow. And estate planning, we're just making sure that your will and power of attorney get done up in the future, and you're happy with your beneficiaries as they are. Does that sound correct?\n\nHave I missed anything?\n\nChannel 1: Not that sounds right on point.\n\nChannel 0: Perfect. Do you have any other goals that you're sort of looking to achieve down the track that you might, you know, be wanting us to sort of help with further down the track? Can be anything.\n\nChannel 1: Not really.\n\nChannel 0: That's okay. No. That's okay. All good. Not a problem at all.\n\nAnd just sort of looking at your home loan, you're sort of are you hoping to have that paid off by the time you get to those retirement years? Is that kind of your goal with your home loan?\n\nChannel 1: I think that Tiggeron is gold, isn't it?\n\nChannel 0: It is. It is. It sometimes feels a lot harder than it seems, but absolutely\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Absolute absolutely. It is a realistic factor these days, though, that a lot more people are retiring with still a home loan. I know for yourself, you've got a bit longer ahead of you. You're only 42 this year.\n\nSo, realistically, you've got time to pay that down. But there are a lot more retirees, especially baby boomers, who are retiring, who still have a mortgage, and I have to factor in that into their retirement income drawdowns, or they're using more of their super to pay that off as well. So it's not not as easy as it was about thirty odd years ago. We are finding it it is a lot different now.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. The last thing I wanna do really quickly is just your risk profile questionnaire. I have answered most of the questions for you. The main one I need to answer real really quickly is if you saw your super full by, say, 20% over the next one to two years due to what was happening generally in the market, how do you think you might react? Do you think you'd be wanting to put\n\nChannel 1: I\n\nChannel 0: more\n\nChannel 1: I\n\nChannel 0: money in,\n\nChannel 1: I\n\nChannel 0: take advantage?\n\nChannel 1: actually, I wouldn't even I wouldn't even know unless you you you guys told me.\n\nChannel 0: Yeah? Or I probably would tell you. I'm a little bit too honest, So I'd probably tell you in the end review if I'm\n\nChannel 1: Yeah.\n\nChannel 0: honest with you.\n\nChannel 1: But I I\n\nChannel 0: That's\n\nChannel 1: I said from the very beginning, I've got no idea about super. That's why you guys look after it because I\n\nChannel 0: yeah.\n\nChannel 1: honestly don't care about it. I\n\nChannel 0: Yeah.\n\nChannel 1: just know\n\nChannel 0: Okay.\n\nChannel 1: it's there and and yeah. You guys\n\nChannel 0: Yeah.\n\nChannel 1: deal\n\nChannel 0: That's\n\nChannel 1: with it, and I leave it alone.\n\nChannel 0: yeah. That's absolutely fine. So I'll just tick the box and that you'd probably speak to us. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: When you think about your super I know it's not obviously the biggest priority for you at the moment, but when you think about your super, are you happy taking on more risk in the market to try and get those greater potential returns knowing there is a downside as well, or are you a little bit more nervous about the risk level that you're taking?\n\nChannel 1: I'll I'll go back to my previous payments. I got no idea about it, and I really don't care. I let you guys do what you think is best and what works.\n\nChannel 0: Yep. That's absolutely fine. Not a problem at all. That's easy done. So, look, realistically, at the moment, you are in that growth kind of environment there.\n\nFor your age and stage, the growth portfolio does suit you. It does suit someone who's not gonna access super for the next six years. Given your age and stage, most people of yours and my age would be in that kind of environment there. You see 80% invested in those growth assets to try and get greater potential growth. So thinking Australian international shares, listed property, and some gold and silver here and there as well, and then\n\nChannel 1: Yep.\n\nChannel 0: still having some of those low risk defensive investments to kinda mitigate long term ups and downs. You can expect a negative return around about one in every five years is the expectation. And the growth portfolio, we wanna try and achieve around about seven to 9% on an average basis compounding forward. Do you like,\n\nChannel 1: Yes.\n\nChannel 0: realistically, you're in that kind of environment and you can stay in that environment. It suits your time horizon. You're not accessing super, you can wade through the down times before you're gonna draw anything out under legislation. I would be happy to keep you in that portfolio. Do you feel like that is your comfort level?\n\nDoes any of what I've just said concern you in any way?\n\nChannel 1: Not.\n\nChannel 0: No. Beautiful. Excellent. Does any of what I does all of that kinda make sense? Do you have any questions?\n\nChannel 1: Not a question.\n\nChannel 0: No? All good. Perfect. Well, what I'll do is I'll go back and have a look at everything for you. I do need to book in a really quick pre assessment with one of my colleagues.\n\nIs there a day maybe this week or next week that would suit you in the afternoon or whatever time suits you to kinda go through a quick pre assessment with my team?\n\nChannel 1: We are we can do tomorrow. We can do Friday around the same time around 04:00.\n\nChannel 0: That's okay. Tomorrow, it does look we like, we are fully booked. I could do next Monday.\n\nChannel 1: And if if it's Monday, then\n\nChannel 0: Uh-huh.\n\nChannel 1: around 10:00 in the morning.\n\nChannel 0: Yep. Absolutely. We can do that. Not a problem at all. So 10AM, Monday for the pre assessment.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Beautiful. Thank you so much for that, Christopher. Once my team members have done that pre assessment with you, they'll your SOA presentation for a couple of weeks. And in the meantime, I'll go back and do that research just so we have those, you know, dates flagged for you so you know we are\n\nChannel 1: Yep.\n\nChannel 0: kinda coming back and not sort of missing on anything for you. Okay?\n\nChannel 1: Yeah. Good.\n\nChannel 0: Excellent. Thank you so much for that. Now I have got the email there and sent that through with your ongoing service agreement. It does just have your ongoing service fee, which is 1.65% as it has been in the past. Because your balance is lower now, your ongoing service fee is expected to be lower.\n\nSo for the year, we do expect the fee to be about $972.63, which is paid out of Hub twenty four. So if you're happy with staying on board, I'll just get you to sign and return that back for me, and I'll see what I can do about making you super work harder and, you know, getting you some insurances and seeing what we can do to help\n\nChannel 1: Sounds\n\nChannel 0: you out. Alright?\n\nChannel 1: sounds very good.\n\nChannel 0: Thank you so much for your time. I really appreciate it. I know you're at work, so I hope you have a good afternoon or a good evening, good night.\n\nChannel 1: Not a problem. You too.\n\nChannel 0: Thanks, Christopher. I'll talk to you soon. See you later.\n\nChannel 1: Right. Thank you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"I like this,","start":0.79999995,"end":1.54,"sentiment":"positive","sentiment_score":0.4670365552107493}],"sentiment":"positive","sentiment_score":0.4670365552107493,"channel":1,"num_words":3,"start":0.79999995,"end":1.54},{"sentences":[{"text":"Hi, Christopher.","start":3.1999998,"end":4.0,"sentiment":"neutral","sentiment_score":0.32706399261951447},{"text":"This is Dana from Okie Financial.","start":4.0,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.30761006474494934},{"text":"How are you this","start":5.92,"end":6.56,"sentiment":"positive","sentiment_score":0.353272020816803}],"sentiment":"neutral","sentiment_score":0.3260730380813281,"channel":0,"num_words":12,"start":3.1999998,"end":6.56},{"sentences":[{"text":"buddy.","start":6.3999996,"end":6.8999996,"sentiment":"positive","sentiment_score":0.3583090305328369}],"sentiment":"positive","sentiment_score":0.3583090305328369,"channel":1,"num_words":1,"start":6.3999996,"end":6.8999996},{"sentences":[{"text":"afternoon?","start":6.56,"end":7.06,"sentiment":"neutral","sentiment_score":0.19644542038440704}],"sentiment":"neutral","sentiment_score":0.19644542038440704,"channel":0,"num_words":1,"start":6.56,"end":7.06},{"sentences":[{"text":"Good.","start":7.44,"end":7.8399997,"sentiment":"positive","sentiment_score":0.4497447609901428},{"text":"How are you?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.3193575143814087}],"sentiment":"positive","sentiment_score":0.3519543260335922,"channel":1,"num_words":4,"start":7.44,"end":8.66},{"sentences":[{"text":"I'm very well.","start":8.96,"end":9.84,"sentiment":"positive","sentiment_score":0.6076210538546244},{"text":"Thank you.","start":9.84,"end":10.24,"sentiment":"positive","sentiment_score":0.6680013537406921},{"text":"Thank you for asking.","start":10.24,"end":11.28,"sentiment":"positive","sentiment_score":0.6189583390951157},{"text":"I had you booked in to go through your annual review.","start":11.28,"end":13.5199995,"sentiment":"neutral","sentiment_score":0.2304502481764013},{"text":"Is now still a good time there for you?","start":13.5199995,"end":15.645,"sentiment":"neutral","sentiment_score":0.23055140674114227}],"sentiment":"positive","sentiment_score":0.35326257296677294,"channel":0,"num_words":29,"start":8.96,"end":15.645},{"sentences":[{"text":"Yep.","start":16.025,"end":16.525,"sentiment":"neutral","sentiment_score":0.19367775321006775}],"sentiment":"neutral","sentiment_score":0.19367775321006775,"channel":1,"num_words":1,"start":16.025,"end":16.525},{"sentences":[{"text":"Fantastic.","start":17.485,"end":17.985,"sentiment":"positive","sentiment_score":0.4957658052444458},{"text":"Kristin, as part of the the call, we normally email through your documents to go through with us.","start":18.925001,"end":23.405,"sentiment":"neutral","sentiment_score":0.1705995566315121},{"text":"Are you able to access your emails?","start":23.405,"end":25.485,"sentiment":"neutral","sentiment_score":0.05067784179534231},{"text":"It sounds like you're traveling a little 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a it depends on who you go through and what you get.","start":191.49501,"end":194.05501,"sentiment":"neutral","sentiment_score":-0.007271843890731151},{"text":"Some places you go in, get the teeth done, get your teeth put in, and that's it.","start":194.05501,"end":198.23999,"sentiment":"neutral","sentiment_score":-0.017507185282952645},{"text":"They don't they","start":198.23999,"end":198.95999,"sentiment":"neutral","sentiment_score":-0.04757687201102575}],"sentiment":"neutral","sentiment_score":-0.0162086889825084,"channel":1,"num_words":33,"start":191.49501,"end":198.95999},{"sentences":[{"text":"Yeah.","start":198.875,"end":199.27501,"sentiment":"neutral","sentiment_score":-0.0505683496594429}],"sentiment":"neutral","sentiment_score":-0.0505683496594429,"channel":0,"num_words":1,"start":198.875,"end":199.27501},{"sentences":[{"text":"don't 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the amount","start":214.535,"end":214.975,"sentiment":"neutral","sentiment_score":0.00830057387550672}],"sentiment":"neutral","sentiment_score":0.00830057387550672,"channel":1,"num_words":3,"start":214.535,"end":214.975},{"sentences":[{"text":"that","start":214.915,"end":215.155,"sentiment":"neutral","sentiment_score":0.00713767483830452}],"sentiment":"neutral","sentiment_score":0.00713767483830452,"channel":0,"num_words":1,"start":214.915,"end":215.155},{"sentences":[{"text":"of money I'm 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you've done a great job.","start":1200.2101,"end":1201.4901,"sentiment":"positive","sentiment_score":0.6576210657755533},{"text":"Sorry to confuse you there.","start":1201.4901,"end":1203.855,"sentiment":"neutral","sentiment_score":0.08068632930517197},{"text":"I'm so glad that we have that nomination correct.","start":1204.095,"end":1206.735,"sentiment":"positive","sentiment_score":0.5943387415673997},{"text":"Yeah.","start":1206.735,"end":1207.135,"sentiment":"neutral","sentiment_score":0.20159097015857697}],"sentiment":"positive","sentiment_score":0.4794148968702013,"channel":0,"num_words":22,"start":1199.4901,"end":1207.135},{"sentences":[{"text":"Having that binding is always the best way.","start":1207.135,"end":1209.215,"sentiment":"neutral","sentiment_score":0.23051706235855818},{"text":"And, look, you know as well as I do those nominations can be painful to fill out all the time.","start":1209.215,"end":1213.615,"sentiment":"neutral","sentiment_score":-0.15178082119673492},{"text":"So having it nonlapsing means that it stays in place permanently and that we always try to review these with you on a regular basis.","start":1213.615,"end":1220.82,"sentiment":"neutral","sentiment_score":0.05991433747112751},{"text":"So if and when something was to happen and you wanted to change that nomination, you can let us know.","start":1220.82,"end":1225.7,"sentiment":"neutral","sentiment_score":0.22369877696037294},{"text":"We can have it updated to help you 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have, where, and when is a really important aspect.","start":1300.22,"end":1307.04,"sentiment":"neutral","sentiment_score":0.08903039459671293}],"sentiment":"neutral","sentiment_score":0.08112735922137897,"channel":0,"num_words":69,"start":1283.64,"end":1307.04},{"sentences":[{"text":"The other side of it is if we don't have an authority on the policy, which is absolutely fine if you choose not to do so.","start":1307.1,"end":1313.875,"sentiment":"neutral","sentiment_score":-0.22622779814096597},{"text":"It just means that we're gonna ask you every year what your current insured amount is and make sure that that's still in line with your goals because we have an obligation with everything else to make sure it's all correct and in line with your goals, and that's about making sure we understand your circumstances as a whole and taking into account all possible information to do that.","start":1313.875,"end":1332.38,"sentiment":"neutral","sentiment_score":0.1024711994628044},{"text":"So 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honestly.","start":1408.885,"end":1409.865,"sentiment":"neutral","sentiment_score":0.09372173994779587},{"text":"So TBD pays out a lump sum or an income stream in the event that you're unable to ever go back to work again.","start":1410.9501,"end":1417.77,"sentiment":"neutral","sentiment_score":-0.007062375778332353},{"text":"It's called total permanent disability cover.","start":1418.15,"end":1420.5701,"sentiment":"neutral","sentiment_score":0.042231813073158264}],"sentiment":"neutral","sentiment_score":0.005681253297047483,"channel":0,"num_words":36,"start":1407.925,"end":1420.5701},{"sentences":[{"text":"Inside 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build it back up again is sort of off the cards at the moment?","start":2215.655,"end":2223.6702,"sentiment":"neutral","sentiment_score":0.02054129637501858},{"text":"Would you be open to doing 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70.","start":2545.5552,"end":2547.2551,"sentiment":"neutral","sentiment_score":0.020751913776621222}],"sentiment":"neutral","sentiment_score":0.020751913776621222,"channel":1,"num_words":8,"start":2545.5552,"end":2547.2551},{"sentences":[{"text":"yeah.","start":2547.765,"end":2548.005,"sentiment":"neutral","sentiment_score":0.02226032316684723},{"text":"Age of 70?","start":2548.005,"end":2548.905,"sentiment":"neutral","sentiment_score":0.031175415342052776},{"text":"Absolutely.","start":2548.965,"end":2549.465,"sentiment":"neutral","sentiment_score":0.20284172892570496}],"sentiment":"neutral","sentiment_score":0.0637256596237421,"channel":0,"num_words":5,"start":2547.765,"end":2549.465},{"sentences":[{"text":"Yeah.","start":2549.42,"end":2549.92,"sentiment":"neutral","sentiment_score":0.2662699818611145}],"sentiment":"neutral","sentiment_score":0.2662699818611145,"channel":1,"num_words":1,"start":2549.42,"end":2549.92},{"sentences":[{"text":"I can do that for you.","start":2549.685,"end":2550.805,"sentiment":"positive","sentiment_score":0.38309161365032196},{"text":"Beautiful.","start":2550.805,"end":2551.285,"sentiment":"positive","sentiment_score":0.723839521408081},{"text":"With the advice, I only factor in the next five to ten years currently, because, realistically, there's a lot of changes that could happen in your life in that time frame.","start":2551.285,"end":2560.06,"sentiment":"neutral","sentiment_score":0.14751938814597745},{"text":"But in the back end, we do kind of look a bit deeper and find out where we're sort of tracking longer term.","start":2560.3599,"end":2564.92,"sentiment":"neutral","sentiment_score":0.06215640416611796},{"text":"That's absolutely fine.","start":2564.92,"end":2566.3,"sentiment":"positive","sentiment_score":0.35509838660558063}],"sentiment":"neutral","sentiment_score":0.157662229554262,"channel":0,"num_words":64,"start":2549.685,"end":2566.3},{"sentences":[{"text":"We originally had here that you were hoping to draw about a thousand dollars a week income in retirement from your super.","start":2567.535,"end":2573.695,"sentiment":"neutral","sentiment_score":0.043870330280201},{"text":"I know down the track that could absolutely change.","start":2573.695,"end":2575.855,"sentiment":"neutral","sentiment_score":-0.014214246223370234},{"text":"That is in today's dollars, which could be needs to be a lot higher down the track.","start":2575.855,"end":2580.435,"sentiment":"neutral","sentiment_score":-0.02694667919593699},{"text":"But do you still feel a thousand dollars would be, you know, what you'd hope to draw down income wise in today's dollars in the future?","start":2580.95,"end":2589.2898,"sentiment":"neutral","sentiment_score":-0.04275095863984181}],"sentiment":"neutral","sentiment_score":-0.009897289470442244,"channel":0,"num_words":74,"start":2567.535,"end":2589.2898},{"sentences":[{"text":"Oh, 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verified.","start":2597.485,"end":2598.225,"sentiment":"neutral","sentiment_score":-0.005760790430940688}],"sentiment":"neutral","sentiment_score":-0.13924699414593095,"channel":1,"num_words":13,"start":2594.285,"end":2598.225},{"sentences":[{"text":"That's okay.","start":2599.965,"end":2600.7651,"sentiment":"neutral","sentiment_score":0.08412924408912659},{"text":"What you kinda tell us now just gives us a base for a goal on how we're sort of tracking forward.","start":2600.7651,"end":2605.425,"sentiment":"neutral","sentiment_score":0.06965074386625063},{"text":"However, when you actually get to the years that you decide you wanna retire, we'll look a lot deeper at what you actually need to draw down, look at how we draw that down, whether we can incorporate Centrelink, and what other advice we provide to make sure it lasts as long as possible","start":2605.725,"end":2620.62,"sentiment":"neutral","sentiment_score":0.050966621997455754}],"sentiment":"neutral","sentiment_score":0.05692365840561204,"channel":0,"num_words":77,"start":2599.965,"end":2620.62},{"sentences":[{"text":"Yes.","start":2620.275,"end":2620.775,"sentiment":"neutral","sentiment_score":0.09187670797109604}],"sentiment":"neutral","sentiment_score":0.09187670797109604,"channel":1,"num_words":1,"start":2620.275,"end":2620.775},{"sentences":[{"text":"for you.","start":2620.62,"end":2621.1802,"sentiment":"neutral","sentiment_score":0.08005525916814804},{"text":"Okay?","start":2621.1802,"end":2621.6802,"sentiment":"neutral","sentiment_score":0.08209790289402008},{"text":"At the moment, it's just giving us a base for a goal, and we know that can absolutely change due to so many factors down the track.","start":2621.82,"end":2628.6648,"sentiment":"neutral","sentiment_score":0.10821081739332941},{"text":"Okay?","start":2628.6648,"end":2629.1648,"sentiment":"neutral","sentiment_score":0.09561960399150848}],"sentiment":"neutral","sentiment_score":0.10514580951102319,"channel":0,"num_words":31,"start":2620.62,"end":2629.1648},{"sentences":[{"text":"Yep.","start":2629.795,"end":2630.295,"sentiment":"neutral","sentiment_score":0.19259445369243625}],"sentiment":"neutral","sentiment_score":0.19259445369243625,"channel":1,"num_words":1,"start":2629.795,"end":2630.295},{"sentences":[{"text":"Excellent.","start":2631.065,"end":2631.565,"sentiment":"positive","sentiment_score":0.4783210158348083},{"text":"All good.","start":2631.865,"end":2632.605,"sentiment":"positive","sentiment_score":0.4613877683877945},{"text":"There just to kind of recap, so I'm gonna go back and review the super for you.","start":2633.7048,"end":2637.7048,"sentiment":"neutral","sentiment_score":0.1524594647481161},{"text":"Also, have a look at the underlying investments there.","start":2637.7048,"end":2640.4448,"sentiment":"neutral","sentiment_score":0.05950589312447442},{"text":"I'll check your risk profile shortly to make sure that everything is in line with that correctly.","start":2640.72,"end":2645.3,"sentiment":"neutral","sentiment_score":0.09033519007703837}],"sentiment":"neutral","sentiment_score":0.13182953745126724,"channel":0,"num_words":46,"start":2631.065,"end":2645.3},{"sentences":[{"text":"We're happy to retain the insurances at the moment, but I'll look at trying to get you some income protection to make sure it's paid for inside super.","start":2645.92,"end":2653.68,"sentiment":"neutral","sentiment_score":0.3280031271278858},{"text":"We're not looking at any new cover outside of super.","start":2653.68,"end":2656.565,"sentiment":"neutral","sentiment_score":0.005510641261935234},{"text":"Not looking at any additional contributions at the moment to kinda limit the expenses on your cash flow.","start":2657.025,"end":2662.565,"sentiment":"neutral","sentiment_score":0.0688849524077442},{"text":"And estate planning, we're just making sure that your will and power of attorney get done up in the future, and you're happy with your beneficiaries as they are.","start":2664.2249,"end":2672.16,"sentiment":"positive","sentiment_score":0.4064014733865343},{"text":"Does that sound correct?","start":2672.16,"end":2673.28,"sentiment":"neutral","sentiment_score":0.16924544237554073}],"sentiment":"neutral","sentiment_score":0.2577724450927102,"channel":0,"num_words":89,"start":2645.92,"end":2673.28},{"sentences":[{"text":"Have I missed anything?","start":2673.28,"end":2674.5,"sentiment":"neutral","sentiment_score":-0.03105211816728115}],"sentiment":"neutral","sentiment_score":-0.03105211816728115,"channel":0,"num_words":4,"start":2673.28,"end":2674.5},{"sentences":[{"text":"Not that sounds right on point.","start":2675.14,"end":2677.48,"sentiment":"neutral","sentiment_score":0.08026301488280296}],"sentiment":"neutral","sentiment_score":0.08026301488280296,"channel":1,"num_words":6,"start":2675.14,"end":2677.48},{"sentences":[{"text":"Perfect.","start":2678.0798,"end":2678.48,"sentiment":"positive","sentiment_score":0.6673625707626343},{"text":"Do you have any other goals that you're sort of looking to achieve down the track that you might, you know, be wanting us to sort of help with further down the track?","start":2678.48,"end":2686.845,"sentiment":"neutral","sentiment_score":0.28058088503100653},{"text":"Can be anything.","start":2687.005,"end":2688.705,"sentiment":"neutral","sentiment_score":0.08527865260839462}],"sentiment":"neutral","sentiment_score":0.2751991279624604,"channel":0,"num_words":37,"start":2678.0798,"end":2688.705},{"sentences":[{"text":"Not really.","start":2688.5552,"end":2689.215,"sentiment":"neutral","sentiment_score":-0.0009834393858909607}],"sentiment":"neutral","sentiment_score":-0.0009834393858909607,"channel":1,"num_words":2,"start":2688.5552,"end":2689.215},{"sentences":[{"text":"That's okay.","start":2689.085,"end":2689.965,"sentiment":"neutral","sentiment_score":0.06351854652166367},{"text":"No.","start":2689.965,"end":2690.205,"sentiment":"neutral","sentiment_score":0.10525389015674592},{"text":"That's okay.","start":2690.205,"end":2691.005,"sentiment":"neutral","sentiment_score":0.2148793637752533},{"text":"All good.","start":2691.005,"end":2691.645,"sentiment":"positive","sentiment_score":0.4358511567115784},{"text":"Not a problem at 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it?","start":2702.3298,"end":2704.365,"sentiment":"neutral","sentiment_score":0.08926168503239751}],"sentiment":"neutral","sentiment_score":0.08926168503239751,"channel":1,"num_words":8,"start":2702.3298,"end":2704.365},{"sentences":[{"text":"It is.","start":2705.1,"end":2705.58,"sentiment":"neutral","sentiment_score":0.03940878435969353},{"text":"It is.","start":2705.58,"end":2705.9,"sentiment":"neutral","sentiment_score":0.01906073372811079},{"text":"It sometimes feels a lot harder than it seems, but 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you.","start":2725.9348,"end":2728.575,"sentiment":"neutral","sentiment_score":0.005304452225876351},{"text":"You're only 42 this year.","start":2728.575,"end":2730.1748,"sentiment":"neutral","sentiment_score":0.0313432302325964}],"sentiment":"neutral","sentiment_score":0.0630753134493716,"channel":0,"num_words":40,"start":2717.4548,"end":2730.1748},{"sentences":[{"text":"So, realistically, you've got time to pay that down.","start":2730.1748,"end":2734.17,"sentiment":"neutral","sentiment_score":0.07759027058879535},{"text":"But there are a lot more retirees, especially baby boomers, who are retiring, who still have a mortgage, and I have to factor in that into their retirement income drawdowns, or they're using more of their super to pay that off as well.","start":2734.39,"end":2746.605,"sentiment":"neutral","sentiment_score":-0.03346282035805458},{"text":"So it's not not as easy as it was about thirty odd years ago.","start":2747.565,"end":2751.165,"sentiment":"neutral","sentiment_score":-0.22476907074451447},{"text":"We are finding it it is a lot different now.","start":2751.165,"end":2753.585,"sentiment":"neutral","sentiment_score":-0.13887026235461236}],"sentiment":"neutral","sentiment_score":-0.0694218217640331,"channel":0,"num_words":76,"start":2730.1748,"end":2753.585},{"sentences":[{"text":"Yeah.","start":2756.39,"end":2756.89,"sentiment":"neutral","sentiment_score":0.054030563682317734}],"sentiment":"neutral","sentiment_score":0.054030563682317734,"channel":1,"num_words":1,"start":2756.39,"end":2756.89},{"sentences":[{"text":"Yeah.","start":2757.4849,"end":2757.9849,"sentiment":"neutral","sentiment_score":0.0651651993393898},{"text":"The last thing I wanna do really quickly is just your risk profile questionnaire.","start":2758.365,"end":2761.6099,"sentiment":"neutral","sentiment_score":0.05204178898462227},{"text":"I have answered most of the questions for 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put","start":2778.365,"end":2780.765,"sentiment":"neutral","sentiment_score":-0.2169213630259037}],"sentiment":"neutral","sentiment_score":-0.013706422727555036,"channel":0,"num_words":75,"start":2757.4849,"end":2780.765},{"sentences":[{"text":"I","start":2780.61,"end":2780.85,"sentiment":"neutral","sentiment_score":-0.2580697238445282}],"sentiment":"neutral","sentiment_score":-0.2580697238445282,"channel":1,"num_words":1,"start":2780.61,"end":2780.85},{"sentences":[{"text":"more","start":2780.765,"end":2780.925,"sentiment":"neutral","sentiment_score":-0.28535616397857666}],"sentiment":"neutral","sentiment_score":-0.28535616397857666,"channel":0,"num_words":1,"start":2780.765,"end":2780.925},{"sentences":[{"text":"I","start":2780.85,"end":2781.35,"sentiment":"neutral","sentiment_score":-0.3177642822265625}],"sentiment":"neutral","sentiment_score":-0.3177642822265625,"channel":1,"num_words":1,"start":2780.85,"end":2781.35},{"sentences":[{"text":"money 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me.","start":2782.05,"end":2786.15,"sentiment":"neutral","sentiment_score":-0.21352983216444651}],"sentiment":"neutral","sentiment_score":-0.21352983216444651,"channel":1,"num_words":15,"start":2782.05,"end":2786.15},{"sentences":[{"text":"Yeah?","start":2786.365,"end":2786.765,"sentiment":"neutral","sentiment_score":-0.06942014396190643},{"text":"Or I probably would tell you.","start":2786.765,"end":2787.885,"sentiment":"neutral","sentiment_score":-0.08706255753835042},{"text":"I'm a little bit too honest, So I'd probably tell you in the end review if I'm","start":2787.885,"end":2791.3901,"sentiment":"neutral","sentiment_score":-0.06671742262209163}],"sentiment":"neutral","sentiment_score":-0.07191631974031527,"channel":0,"num_words":24,"start":2786.365,"end":2791.3901},{"sentences":[{"text":"Yeah.","start":2791.25,"end":2791.75,"sentiment":"neutral","sentiment_score":-0.03914643079042435}],"sentiment":"neutral","sentiment_score":-0.03914643079042435,"channel":1,"num_words":1,"start":2791.25,"end":2791.75},{"sentences":[{"text":"honest with you.","start":2791.3901,"end":2792.37,"sentiment":"neutral","sentiment_score":-0.043489500880241394}],"sentiment":"neutral","sentiment_score":-0.043489500880241394,"channel":0,"num_words":3,"start":2791.3901,"end":2792.37},{"sentences":[{"text":"But I I","start":2792.2852,"end":2793.0852,"sentiment":"neutral","sentiment_score":-0.04236121599872907}],"sentiment":"neutral","sentiment_score":-0.04236121599872907,"channel":1,"num_words":3,"start":2792.2852,"end":2793.0852},{"sentences":[{"text":"That's","start":2792.99,"end":2793.49,"sentiment":"neutral","sentiment_score":-0.13100683689117432}],"sentiment":"neutral","sentiment_score":-0.13100683689117432,"channel":0,"num_words":1,"start":2792.99,"end":2793.49},{"sentences":[{"text":"I said from the very beginning, I've got no idea about super.","start":2793.0852,"end":2795.965,"sentiment":"neutral","sentiment_score":-0.2579513105253379},{"text":"That's why you guys look after it because I","start":2795.965,"end":2798.365,"sentiment":"neutral","sentiment_score":-0.20417841937806872}],"sentiment":"neutral","sentiment_score":-0.2349057857479368,"channel":1,"num_words":21,"start":2793.0852,"end":2798.365},{"sentences":[{"text":"yeah.","start":2798.1902,"end":2798.6902,"sentiment":"neutral","sentiment_score":-0.2625473141670227}],"sentiment":"neutral","sentiment_score":-0.2625473141670227,"channel":0,"num_words":1,"start":2798.1902,"end":2798.6902},{"sentences":[{"text":"honestly don't care about it.","start":2798.365,"end":2799.985,"sentiment":"negative","sentiment_score":-0.36579168438911436},{"text":"I","start":2800.365,"end":2800.445,"sentiment":"neutral","sentiment_score":-0.1210356056690216}],"sentiment":"neutral","sentiment_score":-0.32499900460243225,"channel":1,"num_words":6,"start":2798.365,"end":2800.445},{"sentences":[{"text":"Yeah.","start":2800.4302,"end":2800.83,"sentiment":"neutral","sentiment_score":-0.055062562227249146}],"sentiment":"neutral","sentiment_score":-0.055062562227249146,"channel":0,"num_words":1,"start":2800.4302,"end":2800.83},{"sentences":[{"text":"just know","start":2800.445,"end":2800.925,"sentiment":"neutral","sentiment_score":-0.0527361836284399}],"sentiment":"neutral","sentiment_score":-0.0527361836284399,"channel":1,"num_words":2,"start":2800.445,"end":2800.925},{"sentences":[{"text":"Okay.","start":2800.83,"end":2801.33,"sentiment":"neutral","sentiment_score":-0.03181328624486923}],"sentiment":"neutral","sentiment_score":-0.03181328624486923,"channel":0,"num_words":1,"start":2800.83,"end":2801.33},{"sentences":[{"text":"it's there and and yeah.","start":2800.925,"end":2803.5051,"sentiment":"neutral","sentiment_score":-0.04075239077210426},{"text":"You guys","start":2804.125,"end":2804.605,"sentiment":"neutral","sentiment_score":-0.0250465739518404}],"sentiment":"neutral","sentiment_score":-0.03626501453774316,"channel":1,"num_words":7,"start":2800.925,"end":2804.605},{"sentences":[{"text":"Yeah.","start":2804.51,"end":2804.75,"sentiment":"neutral","sentiment_score":0.005674462765455246}],"sentiment":"neutral","sentiment_score":0.005674462765455246,"channel":0,"num_words":1,"start":2804.51,"end":2804.75},{"sentences":[{"text":"deal","start":2804.605,"end":2804.7651,"sentiment":"neutral","sentiment_score":0.008587505668401718}],"sentiment":"neutral","sentiment_score":0.008587505668401718,"channel":1,"num_words":1,"start":2804.605,"end":2804.7651},{"sentences":[{"text":"That's","start":2804.75,"end":2805.045,"sentiment":"neutral","sentiment_score":-0.021946026012301445}],"sentiment":"neutral","sentiment_score":-0.021946026012301445,"channel":0,"num_words":1,"start":2804.75,"end":2805.045},{"sentences":[{"text":"with it, and I leave it alone.","start":2804.7651,"end":2806.98,"sentiment":"neutral","sentiment_score":-0.023664310042347227}],"sentiment":"neutral","sentiment_score":-0.023664310042347227,"channel":1,"num_words":7,"start":2804.7651,"end":2806.98},{"sentences":[{"text":"yeah.","start":2807.4448,"end":2807.6848,"sentiment":"neutral","sentiment_score":0.19409817457199097},{"text":"That's absolutely fine.","start":2807.6848,"end":2808.645,"sentiment":"positive","sentiment_score":0.4034104545911153},{"text":"So I'll just tick the box and that you'd probably speak to us.","start":2808.645,"end":2811.525,"sentiment":"neutral","sentiment_score":0.19675468366879684},{"text":"Absolutely.","start":2811.525,"end":2812.025,"sentiment":"neutral","sentiment_score":0.2584855556488037}],"sentiment":"neutral","sentiment_score":0.23447922120491663,"channel":0,"num_words":18,"start":2807.4448,"end":2812.025},{"sentences":[{"text":"Yep.","start":2812.1,"end":2812.6,"sentiment":"neutral","sentiment_score":0.14091698825359344}],"sentiment":"neutral","sentiment_score":0.14091698825359344,"channel":1,"num_words":1,"start":2812.1,"end":2812.6},{"sentences":[{"text":"When you think about your super I know it's not obviously the biggest priority for you at the moment, but when you think about your super, are you happy taking on more risk in the market to try and get those greater potential returns knowing there is a downside as well, or are you a little bit more nervous about the risk level that you're taking?","start":2813.045,"end":2831.56,"sentiment":"neutral","sentiment_score":-0.06871823752016733}],"sentiment":"neutral","sentiment_score":-0.06871823752016733,"channel":0,"num_words":66,"start":2813.045,"end":2831.56},{"sentences":[{"text":"I'll I'll go back to my previous payments.","start":2832.955,"end":2835.295,"sentiment":"neutral","sentiment_score":-0.10431270860135555},{"text":"I got no idea about it, and I really don't care.","start":2835.4402,"end":2837.9202,"sentiment":"neutral","sentiment_score":-0.3313088444146243},{"text":"I let you guys do what you think is best and what works.","start":2837.9202,"end":2840.6602,"sentiment":"neutral","sentiment_score":0.004068500147416041}],"sentiment":"neutral","sentiment_score":-0.13831276423297822,"channel":1,"num_words":32,"start":2832.955,"end":2840.6602},{"sentences":[{"text":"Yep.","start":2840.965,"end":2841.2852,"sentiment":"neutral","sentiment_score":0.17928847670555115},{"text":"That's absolutely fine.","start":2841.2852,"end":2842.405,"sentiment":"positive","sentiment_score":0.34281569719314575},{"text":"Not a problem at all.","start":2842.405,"end":2843.5251,"sentiment":"positive","sentiment_score":0.41944308280944825},{"text":"That's easy done.","start":2843.5251,"end":2844.325,"sentiment":"positive","sentiment_score":0.4594896634419759},{"text":"So, look, realistically, at the moment, you are in that growth kind of environment there.","start":2844.325,"end":2848.87,"sentiment":"neutral","sentiment_score":0.12496123313903809}],"sentiment":"neutral","sentiment_score":0.24288290628680476,"channel":0,"num_words":27,"start":2840.965,"end":2848.87},{"sentences":[{"text":"For your age and stage, the growth portfolio does suit you.","start":2848.87,"end":2852.33,"sentiment":"neutral","sentiment_score":0.22904985601251776},{"text":"It does suit someone who's not gonna access super for the next six years.","start":2852.4702,"end":2856.07,"sentiment":"neutral","sentiment_score":0.10507332001413618},{"text":"Given your age and stage, most people of yours and my age would be in that kind of environment there.","start":2856.07,"end":2861.525,"sentiment":"neutral","sentiment_score":0.09454400315880776},{"text":"You see 80% invested in those growth assets to try and get greater potential growth.","start":2861.9849,"end":2866.545,"sentiment":"neutral","sentiment_score":0.24160662392775217},{"text":"So thinking Australian international shares, listed property, and some gold and silver here and there as well, and then","start":2866.545,"end":2873.58,"sentiment":"neutral","sentiment_score":0.1436304536304976}],"sentiment":"neutral","sentiment_score":0.15486750553680373,"channel":0,"num_words":79,"start":2848.87,"end":2873.58},{"sentences":[{"text":"Yep.","start":2873.48,"end":2873.98,"sentiment":"neutral","sentiment_score":-0.003158053383231163}],"sentiment":"neutral","sentiment_score":-0.003158053383231163,"channel":1,"num_words":1,"start":2873.48,"end":2873.98},{"sentences":[{"text":"still having some of those low risk defensive investments to kinda mitigate long term ups and downs.","start":2873.58,"end":2878.8,"sentiment":"neutral","sentiment_score":-0.0594688281416893},{"text":"You can expect a negative return around about one in every five years is the expectation.","start":2879.26,"end":2884.4001,"sentiment":"neutral","sentiment_score":-0.18803010322153568},{"text":"And the growth portfolio, we wanna try and achieve around about seven to 9% on an average basis compounding forward.","start":2885.82,"end":2892.615,"sentiment":"neutral","sentiment_score":0.05127164628356695},{"text":"Do you like,","start":2892.995,"end":2893.715,"sentiment":"neutral","sentiment_score":0.0030374769121408463}],"sentiment":"neutral","sentiment_score":-0.05330189952759871,"channel":0,"num_words":56,"start":2873.58,"end":2893.715},{"sentences":[{"text":"Yes.","start":2893.57,"end":2894.07,"sentiment":"neutral","sentiment_score":0.07924994081258774}],"sentiment":"neutral","sentiment_score":0.07924994081258774,"channel":1,"num_words":1,"start":2893.57,"end":2894.07},{"sentences":[{"text":"realistically, you're in that kind of environment and you can stay in that environment.","start":2893.715,"end":2897.815,"sentiment":"neutral","sentiment_score":0.09654572872178895},{"text":"It suits your time horizon.","start":2897.875,"end":2899.495,"sentiment":"neutral","sentiment_score":0.16075898408889772},{"text":"You're not accessing super, you can wade through the down times before you're gonna draw anything out under legislation.","start":2899.8,"end":2905.98,"sentiment":"neutral","sentiment_score":-0.020700774106540178},{"text":"I would be happy to keep you in that portfolio.","start":2906.9202,"end":2909.34,"sentiment":"positive","sentiment_score":0.37852047979831693},{"text":"Do you feel like that is your comfort level?","start":2910.12,"end":2912.2,"sentiment":"neutral","sentiment_score":0.0739851449098852}],"sentiment":"neutral","sentiment_score":0.10900335994205977,"channel":0,"num_words":57,"start":2893.715,"end":2912.2},{"sentences":[{"text":"Does any of what I've just said concern you in any way?","start":2912.2,"end":2914.935,"sentiment":"neutral","sentiment_score":-0.1249075202892224}],"sentiment":"neutral","sentiment_score":-0.1249075202892224,"channel":0,"num_words":12,"start":2912.2,"end":2914.935},{"sentences":[{"text":"Not.","start":2915.625,"end":2916.125,"sentiment":"neutral","sentiment_score":-0.1993272602558136}],"sentiment":"neutral","sentiment_score":-0.1993272602558136,"channel":1,"num_words":1,"start":2915.625,"end":2916.125},{"sentences":[{"text":"No.","start":2916.695,"end":2917.0151,"sentiment":"neutral","sentiment_score":-0.11651279777288436},{"text":"Beautiful.","start":2917.0151,"end":2917.5151,"sentiment":"neutral","sentiment_score":0.12535731494426727},{"text":"Excellent.","start":2917.735,"end":2918.235,"sentiment":"neutral","sentiment_score":0.24385662376880649},{"text":"Does any of what I does all of that kinda make sense?","start":2918.695,"end":2921.415,"sentiment":"neutral","sentiment_score":0.12803607247769833},{"text":"Do you have any questions?","start":2921.415,"end":2922.715,"sentiment":"neutral","sentiment_score":0.027445440366864204}],"sentiment":"neutral","sentiment_score":0.09631806062534451,"channel":0,"num_words":20,"start":2916.695,"end":2922.715},{"sentences":[{"text":"Not a question.","start":2924.13,"end":2925.1199,"sentiment":"neutral","sentiment_score":-0.0444505400955677}],"sentiment":"neutral","sentiment_score":-0.0444505400955677,"channel":1,"num_words":3,"start":2924.13,"end":2925.1199},{"sentences":[{"text":"No?","start":2925.575,"end":2925.895,"sentiment":"neutral","sentiment_score":0.0013695377856492996},{"text":"All good.","start":2925.895,"end":2926.635,"sentiment":"positive","sentiment_score":0.3344620168209076},{"text":"Perfect.","start":2926.935,"end":2927.435,"sentiment":"positive","sentiment_score":0.43950778245925903},{"text":"Well, what I'll do is I'll go back and have a look at everything for you.","start":2927.6602,"end":2930.54,"sentiment":"neutral","sentiment_score":0.19155867723748088},{"text":"I do need to book in a really quick pre assessment with one of my colleagues.","start":2930.54,"end":2933.74,"sentiment":"neutral","sentiment_score":0.06955170771107078}],"sentiment":"neutral","sentiment_score":0.14687687536287639,"channel":0,"num_words":36,"start":2925.575,"end":2933.74},{"sentences":[{"text":"Is there a day maybe this week or next week that would suit you in the afternoon or whatever time suits you to kinda go through a quick pre assessment with my team?","start":2933.74,"end":2942.96,"sentiment":"neutral","sentiment_score":0.06429166335499648}],"sentiment":"neutral","sentiment_score":0.06429166335499648,"channel":0,"num_words":33,"start":2933.74,"end":2942.96},{"sentences":[{"text":"We are we can do tomorrow.","start":2943.585,"end":2945.665,"sentiment":"neutral","sentiment_score":0.037844132632017136},{"text":"We can do Friday around the same time around 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that.","start":2970.7349,"end":2971.535,"sentiment":"neutral","sentiment_score":0.18935595080256462},{"text":"Not a problem at all.","start":2971.535,"end":2972.7349,"sentiment":"neutral","sentiment_score":0.198825341463089},{"text":"So 10AM, Monday for the pre assessment.","start":2972.7349,"end":2975.075,"sentiment":"neutral","sentiment_score":0.08941153117588588}],"sentiment":"neutral","sentiment_score":0.1506139056550132,"channel":0,"num_words":18,"start":2969.36,"end":2975.075},{"sentences":[{"text":"Yep.","start":2975.82,"end":2976.06,"sentiment":"neutral","sentiment_score":0.23385703563690183},{"text":"Sounds good.","start":2976.06,"end":2977.04,"sentiment":"positive","sentiment_score":0.48050619661808014}],"sentiment":"positive","sentiment_score":0.39828980962435406,"channel":1,"num_words":3,"start":2975.82,"end":2977.04},{"sentences":[{"text":"Beautiful.","start":2977.375,"end":2977.875,"sentiment":"positive","sentiment_score":0.603192150592804},{"text":"Thank you so much for that, Christopher.","start":2978.1748,"end":2979.875,"sentiment":"positive","sentiment_score":0.6235097220965794},{"text":"Once my team members have done that pre assessment with you, they'll your SOA presentation for a couple of weeks.","start":2980.6548,"end":2987.13,"sentiment":"neutral","sentiment_score":0.2880005143582821},{"text":"And in the meantime, I'll go back and do that research just so we have those, you know, dates flagged for you so you know we are","start":2987.13,"end":2994.17,"sentiment":"neutral","sentiment_score":0.22727674356213323}],"sentiment":"neutral","sentiment_score":0.3066225921565836,"channel":0,"num_words":55,"start":2977.375,"end":2994.17},{"sentences":[{"text":"Yep.","start":2994.055,"end":2994.555,"sentiment":"neutral","sentiment_score":0.1068381369113922}],"sentiment":"neutral","sentiment_score":0.1068381369113922,"channel":1,"num_words":1,"start":2994.055,"end":2994.555},{"sentences":[{"text":"kinda coming back and not sort of missing on anything for you.","start":2994.17,"end":2997.29,"sentiment":"neutral","sentiment_score":0.13982543349266052},{"text":"Okay?","start":2997.29,"end":2997.79,"sentiment":"neutral","sentiment_score":0.1362874060869217}],"sentiment":"neutral","sentiment_score":0.13955327753837293,"channel":0,"num_words":13,"start":2994.17,"end":2997.79},{"sentences":[{"text":"Yeah.","start":2998.535,"end":2998.6948,"sentiment":"neutral","sentiment_score":0.221738800406456},{"text":"Good.","start":2998.6948,"end":2999.1948,"sentiment":"positive","sentiment_score":0.4028588533401489}],"sentiment":"neutral","sentiment_score":0.31229882687330246,"channel":1,"num_words":2,"start":2998.535,"end":2999.1948},{"sentences":[{"text":"Excellent.","start":2999.565,"end":3000.045,"sentiment":"positive","sentiment_score":0.5025687217712402},{"text":"Thank you so much for that.","start":3000.045,"end":3001.325,"sentiment":"positive","sentiment_score":0.6248246928056082},{"text":"Now I have got the email there and sent that through with your ongoing service agreement.","start":3001.325,"end":3005.185,"sentiment":"neutral","sentiment_score":0.23694204282946885},{"text":"It does just have your ongoing service fee, which is 1.65% as it has been in the past.","start":3005.325,"end":3010.5,"sentiment":"neutral","sentiment_score":0.11666243647535642},{"text":"Because your balance is lower now, your ongoing service fee is expected to be lower.","start":3010.98,"end":3015.0,"sentiment":"neutral","sentiment_score":0.1533468539516131}],"sentiment":"neutral","sentiment_score":0.2221913612447679,"channel":0,"num_words":56,"start":2999.565,"end":3015.0},{"sentences":[{"text":"So for the year, we do expect the fee to be about $972.63, which is paid out of Hub twenty four.","start":3015.38,"end":3022.82,"sentiment":"neutral","sentiment_score":0.1688860140386082},{"text":"So if you're happy with staying on board, I'll just get you to sign and return that back for me, and I'll see what I can do about making you super work harder and, you know, getting you some insurances and seeing what we can do to help","start":3022.82,"end":3033.845,"sentiment":"neutral","sentiment_score":0.30563530574242276}],"sentiment":"neutral","sentiment_score":0.2640159560934357,"channel":0,"num_words":69,"start":3015.38,"end":3033.845},{"sentences":[{"text":"Sounds","start":3033.84,"end":3034.34,"sentiment":"neutral","sentiment_score":0.1496654599905014}],"sentiment":"neutral","sentiment_score":0.1496654599905014,"channel":1,"num_words":1,"start":3033.84,"end":3034.34},{"sentences":[{"text":"you out.","start":3033.845,"end":3034.245,"sentiment":"neutral","sentiment_score":0.28150075674057007},{"text":"Alright?","start":3034.245,"end":3034.745,"sentiment":"positive","sentiment_score":0.42954009771347046}],"sentiment":"neutral","sentiment_score":0.33084720373153687,"channel":0,"num_words":3,"start":3033.845,"end":3034.745},{"sentences":[{"text":"sounds very good.","start":3035.76,"end":3036.74,"sentiment":"positive","sentiment_score":0.7918590108553568}],"sentiment":"positive","sentiment_score":0.7918590108553568,"channel":1,"num_words":3,"start":3035.76,"end":3036.74},{"sentences":[{"text":"Thank you so much for your time.","start":3037.1602,"end":3038.52,"sentiment":"positive","sentiment_score":0.8606035368783134},{"text":"I really appreciate it.","start":3038.52,"end":3039.72,"sentiment":"positive","sentiment_score":0.8510257005691528},{"text":"I know you're at work, so I hope you have a good afternoon or a good evening, good night.","start":3039.72,"end":3044.1401,"sentiment":"positive","sentiment_score":0.5838544180518702}],"sentiment":"positive","sentiment_score":0.684052050113678,"channel":0,"num_words":30,"start":3037.1602,"end":3044.1401},{"sentences":[{"text":"Not a problem.","start":3045.2651,"end":3045.825,"sentiment":"positive","sentiment_score":0.398352990547816},{"text":"You too.","start":3045.825,"end":3046.485,"sentiment":"positive","sentiment_score":0.3993150442838669}],"sentiment":"positive","sentiment_score":0.39873781204223635,"channel":1,"num_words":5,"start":3045.2651,"end":3046.485},{"sentences":[{"text":"Thanks, Christopher.","start":3046.76,"end":3047.6401,"sentiment":"positive","sentiment_score":0.6504639089107513},{"text":"I'll talk to you soon.","start":3047.6401,"end":3048.52,"sentiment":"positive","sentiment_score":0.458275294303894},{"text":"See you later.","start":3048.52,"end":3049.4202,"sentiment":"positive","sentiment_score":0.4065414269765218}],"sentiment":"positive","sentiment_score":0.48119285702705383,"channel":0,"num_words":10,"start":3046.76,"end":3049.4202},{"sentences":[{"text":"Right.","start":3049.425,"end":3049.665,"sentiment":"positive","sentiment_score":0.3342010974884033},{"text":"Thank you.","start":3049.665,"end":3050.145,"sentiment":"positive","sentiment_score":0.6559924781322479},{"text":"Bye.","start":3050.145,"end":3050.645,"sentiment":"neutral","sentiment_score":0.32394590973854065}],"sentiment":"positive","sentiment_score":0.49253299087285995,"channel":1,"num_words":4,"start":3049.425,"end":3050.645},{"sentences":[{"text":"Bye.","start":3050.9202,"end":3051.4202,"sentiment":"neutral","sentiment_score":-0.11102000623941422}],"sentiment":"neutral","sentiment_score":-0.11102000623941422,"channel":0,"num_words":1,"start":3050.9202,"end":3051.4202}]},"summary":{"result":"success","short":"The representative from Okie Financial discusses the customer's annual review and personal information with Christopher, and offers to look at his investment portfolio and options for replacing it with another active manager. They also discuss the process of getting teeth and the customer's life insurance policy. The agent emphasizes the importance of providing statement statements and building wealth outside of the policy. They also discuss retirement goals and risk profile, and provide advice on risk management and retirement age. The customer is advised to draw down their income and ensure their will and power of attorney are in line with their retirement goals."},"intents":{"segments":[{"text":"I've just just recently got the the payment came through yesterday, the money Yep.","start_word":348,"end_word":361,"intents":[{"intent":"Check progress","confidence_score":0.04425313}]},{"text":"So it obviously has made an effect on your super balance there. Just Obviously.","start_word":723,"end_word":736,"intents":[{"intent":"Assess super balance","confidence_score":0.089077726}]},{"text":"And I can look at, you know, trying to manage as much of those costs and changes as possible.","start_word":1476,"end_word":1494,"intents":[{"intent":"Manage portfolios","confidence_score":0.027040428}]},{"text":"The next thing I kinda wanted to talk to you about was the insurance side of things.","start_word":1558,"end_word":1574,"intents":[{"intent":"Discuss medical inquiry","confidence_score":0.000002920987}]},{"text":"The next thing I kinda wanted to talk to you about was the insurance side of things. So I know last Yes. year, we were going back and trying to have a look to see whether we could get new cover, and I know you had been denied cover in the past by the insurer.","start_word":1558,"end_word":1612,"intents":[{"intent":"Explain insurance coverage","confidence_score":0.00022923338}]},{"text":"But did your doctor ever show you this letter or give you any of this information in the past? I can't remember.","start_word":1696,"end_word":1717,"intents":[{"intent":"Provide medical information","confidence_score":0.0069261338}]},{"text":"So it does note here that Zurich and OnePath had essentially looked at providing the insurance application. It says here in the reason for the decision or the decline was that when they look at an insurance application, they take into account several different considerations or factors.","start_word":1888,"end_word":1934,"intents":[{"intent":"Provide reason for decision","confidence_score":0.015820805}]},{"text":"They've taken into consideration the amount of cover applied for your occupation, your age, your smoker status and history, mental health records as well.","start_word":1936,"end_word":1959,"intents":[{"intent":"Consider coverage","confidence_score":0.00025013008}]},{"text":"They also note down here that they also took into account some memory issues, some back pain, and it says here that they found or there was a record of assault and or coma. Have you had anything in the past where you were in in a in a coma or had a head injury of some sort?","start_word":2015,"end_word":2072,"intents":[{"intent":"Discuss recent medical records","confidence_score":0.00007769542}]},{"text":"They also note down here that they also took into account some memory issues, some back pain, and it says here that they found or there was a record of assault and or coma. Have you had anything in the past where you were in in a in a coma or had a head injury of some sort? Yeah.","start_word":2015,"end_word":2073,"intents":[{"intent":"Discuss memory issues","confidence_score":0.38702935}]},{"text":"Have you had anything in the past where you were in in a in a coma or had a head injury of some sort?","start_word":2049,"end_word":2072,"intents":[{"intent":"Compare experiences","confidence_score":0.001740607}]},{"text":"I had a look at some other options and providers. There may be an option down the track, but I would need to reassess everything from start to finish for you.","start_word":2207,"end_word":2237,"intents":[{"intent":"Discuss policy options","confidence_score":0.120438136}]},{"text":"I'm very sorry to have to do this. Look.","start_word":2244,"end_word":2252,"intents":[{"intent":"Express regret","confidence_score":0.025910024}]},{"text":"It's need not. to I wanna I kinda I get the I understand best it. options. I just don't understand why they declined me back then, but yet when I applied for life insurance and gave them all the exact same details as you've got there, they've they've covered me. No worries. Yeah.","start_word":2256,"end_word":2308,"intents":[{"intent":"Address confusion","confidence_score":0.0004680809}]},{"text":"and I I only went for a small amount. I only went like, when I said small amounts, $8,800,000. That's that's not a small amount. That's a good amount of cover.","start_word":2368,"end_word":2398,"intents":[{"intent":"Confirm coverage amount","confidence_score":0.007119369}]},{"text":"Who is that life cover through?","start_word":2691,"end_word":2696,"intents":[{"intent":"Inquire about life cover quote","confidence_score":1.5333342e-7}]},{"text":"You're right. Direct cover. Yeah.","start_word":2898,"end_word":2902,"intents":[{"intent":"Confirm understanding of direct cover","confidence_score":0.0037268805}]},{"text":"Direct cover. Yeah.","start_word":2900,"end_word":2902,"intents":[{"intent":"Verify direct cover quote","confidence_score":0.000056556848}]},{"text":"Let me so where would I find that?","start_word":2972,"end_word":2979,"intents":[{"intent":"Find direct cover quote","confidence_score":0.015490167}]},{"text":"Direct coverage trading name of Nielsen Financial Services that does a agent of insure Hallmark Life Insurance Company. Hallmark, a life insurance company. Okay.","start_word":2980,"end_word":3003,"intents":[{"intent":"Find life insurance company information","confidence_score":0.00013245735}]},{"text":"I'm having a look at them now to see Because it just says who direct their cover underwriter is is a is. trading name of Nelson's Financial Services. Direct cover products are insured and managed by direct cover as Yep. agent of the insurer, Hallmark Life Insurance Company.","start_word":3041,"end_word":3088,"intents":[{"intent":"Discuss policy details","confidence_score":0.014844265}]},{"text":"So is it maybe binding, nonlapsing or binding, No. lapsing?","start_word":3438,"end_word":3447,"intents":[{"intent":"Clarify definition of binding and nonbinding","confidence_score":0.0013552246},{"intent":"Confirm eligibility of nonlacing nominations","confidence_score":0.0010553544}]},{"text":"Nonbinding nominations essentially don't bind the trustee of the insurance company to follow the direction. Essentially, they can then look at your nomination. They take that into account, but they make the call. Whereas No. if It's it's a binding it's binding a bind binding non lapsing. Finding beautiful.","start_word":3466,"end_word":3514,"intents":[{"intent":"Advise on nonlacing nominations","confidence_score":0.0037218924}]},{"text":"I've option I've at I've the got moment. an immediate home every We every three years. So the next time it is due is, yep, in 2028. So we'll make sure that that in your review prior that we help you to organize and update that nomination. That way, it's all done, ready, and doesn't lapse for you. Okay?","start_word":3652,"end_word":3710,"intents":[{"intent":"Propose future updates","confidence_score":0.00013977902}]},{"text":"So we'll make sure that that in your review prior that we help you to organize and update that nomination. That way, it's all done, ready, and doesn't lapse for you. Okay? Yep.","start_word":3679,"end_word":3711,"intents":[{"intent":"Provide feedback on facilitating nonlacing nominations","confidence_score":8.743782e-10}]},{"text":"Well, you've done a great job. Sorry to confuse you there. I'm so glad that we have that nomination correct. Yeah.","start_word":3716,"end_word":3736,"intents":[{"intent":"End conversation","confidence_score":0.014823822}]},{"text":"I'm so glad that we have that nomination correct. Yeah.","start_word":3727,"end_word":3736,"intents":[{"intent":"Ensure confirmation of nominations","confidence_score":0.00026437608},{"intent":"Confirm confirmation of nomination","confidence_score":0.03478859}]},{"text":"So it's up to you. You don't have to add the authority on file. We try to make sure we can add those authorities to make sure we're assisting you and understanding what you have available to you to help you meet your goals. Hello?","start_word":4151,"end_word":4195,"intents":[{"intent":"Assist customer","confidence_score":0.003392523}]},{"text":"We'll just make sure as part of the annual review, it's here. We ask you how much your insurance policy is, and we might just ask you to provide a statement so we can kinda keep a record of that on file for you. Okay? Yeah, bro.","start_word":4203,"end_word":4249,"intents":[{"intent":"Keep annual review","confidence_score":0.00006287671}]},{"text":"call up and book an appointment so we can just go through it then. Is that Yeah.","start_word":4282,"end_word":4298,"intents":[{"intent":"Book appointment","confidence_score":0.83490336}]},{"text":"The other thing that you obviously were talking about down the track is disability cover. Now with your TPD or total permanent disability cover, do you understand what that covers, how it works, how it's Through the life insurance or through the super? paid?","start_word":4341,"end_word":4384,"intents":[{"intent":"Understand disability cover","confidence_score":0.64297116},{"intent":"Claim disability cover","confidence_score":0.09994004}]},{"text":"Do you feel like that level of cover you have is fine, or would you wanna try and get something a little bit more?","start_word":4675,"end_word":4698,"intents":[{"intent":"Inquire about policy coverage","confidence_score":0.0038541981}]},{"text":"Instead of needing $2,000 a week, I would only need 5 hundreds. Yeah. Absolutely. Perfect.","start_word":5147,"end_word":5161,"intents":[{"intent":"Determine coverage requirements","confidence_score":0.012949079}]},{"text":"We could go back and see if we can find and are able to get maybe some income protection cover for you.","start_word":5309,"end_word":5330,"intents":[{"intent":"Investigate options","confidence_score":0.000024744775}]},{"text":"The first one is obviously the benefit amount. So the most you can technically cover yourself for with income protection is up to 70% of your pretax disability income. Did you want me to try and cover you for the maximum of your income that we can, the 70%, So or do you feel like maybe a lesser benefit would be comfortable is that 70% of my income before tax or after tax? before tax?","start_word":5658,"end_word":5732,"intents":[{"intent":"Discuss benefit amount","confidence_score":0.07879214}]},{"text":"So the most you can technically cover yourself for with income protection is up to 70% of your pretax disability income. Did you want me to try and cover you for the maximum of your income that we can, the 70%, So or do you feel like maybe a lesser benefit would be comfortable is that 70% of my income before tax or after tax? before tax?","start_word":5666,"end_word":5732,"intents":[{"intent":"Cover income","confidence_score":0.29745746}]},{"text":"The other side of it is they also have what's called a waiting period. It's how long you have to be off work prior to you actually making a claim. Generally, Yep.","start_word":5778,"end_word":5809,"intents":[{"intent":"Discuss waiting period","confidence_score":0.5627345}]},{"text":"a benefit period can start at thirty days, be up to sixty days, or ninety days.","start_word":5810,"end_word":5825,"intents":[{"intent":"Discuss benefit period","confidence_score":0.55879325},{"intent":"Discuss benefit period","confidence_score":0.3072656}]},{"text":"And then we also have what's called a benefit period. This is how long you can be on a claim for. It is tough cause you never know if you're gonna be on a claim. Generally, claims can go for two years, five years, or up to age 65 with income protection policies. Did you wanna look at maybe a longer benefit period for the risk that you Yes. may be on a claim longer? Yeah.","start_word":5943,"end_word":6018,"intents":[{"intent":"Discuss claim duration","confidence_score":0.111223534}]},{"text":"And are you managing to save much on out of your income once they everything's kinda going to expenses? Yep. Nope.","start_word":6151,"end_word":6171,"intents":[{"intent":"Evaluate income savings","confidence_score":0.014619222}]},{"text":"I won't let it run as long as it did last year, and I'll make sure that we get you booked back in to have your advice presentation in a couple of weeks as well. Is that okay?","start_word":6519,"end_word":6556,"intents":[{"intent":"Request call back","confidence_score":0.0007104514},{"intent":"Represent client in retirement","confidence_score":3.6843453e-9}]},{"text":"If it comes back that I'm not able to get any kind of cover, I'll come back with some different options as part of the advice and show you, you know, let you know that this is what the outcome is. But these are things that we can do down the track for you to assist you to kinda close that gap with the risk. Is that alright?","start_word":6597,"end_word":6664,"intents":[{"intent":"Inform about possible options","confidence_score":0.000014860551}]},{"text":"But these are things that we can do down the track for you to assist you to kinda close that gap with the risk. Is that alright?","start_word":6638,"end_word":6664,"intents":[{"intent":"Close gap with potential declines","confidence_score":0.0000016559214}]},{"text":"Now there are other types of cover that you can hold. Now the other thing I just forgot to ask before, sorry, with your wife and TPD, with that new insurance policy, is that paid out of pocket, or are you having that paid out of your super funds? Out of pocket.","start_word":6674,"end_word":6725,"intents":[{"intent":"Ask about insurance coverage","confidence_score":0.0078634145}]},{"text":"How much are they charging you for that at the moment on a monthly basis?","start_word":6728,"end_word":6742,"intents":[{"intent":"Inquire about current payment","confidence_score":0.000023797918}]},{"text":"How much are they charging you for that at the moment on a monthly basis? Just shy of a $100 a month.","start_word":6728,"end_word":6749,"intents":[{"intent":"Inquire about monthly payment","confidence_score":0.0054381993}]},{"text":"How much are they charging you for that at the moment on a monthly basis? Just shy of a $100 a month. Okay.","start_word":6728,"end_word":6750,"intents":[{"intent":"Confirm payment method","confidence_score":0.009788448},{"intent":"Explain pay options","confidence_score":0.00015440895}]},{"text":"And with the income protection side of things, you can hold that inside super the same as your other funds. You can also pay some of it out of your back pocket.","start_word":6760,"end_word":6791,"intents":[{"intent":"Confirm understanding of income protection","confidence_score":0.000006447248}]},{"text":"Did you want it all to be structured inside super, or did you were you okay if I recommended a little bit? Sorry.","start_word":6793,"end_word":6815,"intents":[{"intent":"Structure super","confidence_score":0.9079009}]},{"text":"You're already utilizing all of your income for bills and expenses. We don't wanna overextend you too much. Absolutely.","start_word":6839,"end_word":6857,"intents":[{"intent":"Utilize income","confidence_score":0.3456984}]},{"text":"And do you feel like making additional contributions to super to kind of build it back up again is sort of off the cards at the moment?","start_word":6885,"end_word":6911,"intents":[{"intent":"Make contributions","confidence_score":0.8262163}]},{"text":"I've got down here so assets I've got down here, your main primary residence. Last valuation we have was about 680,000. Would 7 you 50. say that's gone $7.50? Beautiful.","start_word":6987,"end_word":7016,"intents":[{"intent":"Assess asset value","confidence_score":0.014533222}]},{"text":"Other assets, I had your car down as well with an asset value of 50,000. How would you value your car currently, Which do you think?","start_word":7149,"end_word":7174,"intents":[{"intent":"Assess vehicle value and loan amount","confidence_score":0.00024580077}]},{"text":"I'll just update that for you. And how much do you have on the Hyundai? How much do you owe? Sorry. Around 40? 35. Yeah. About 35,000 a on 35. it. Yep. Beautiful. Excellent. And any other assets you'd note down? Any other shares or assets of anything or any other valuables?","start_word":7283,"end_word":7334,"intents":[{"intent":"Update asset list","confidence_score":0.0209743}]},{"text":"Now I've confirmed that your beneficiary nominations are all in line and appropriate there.","start_word":7350,"end_word":7363,"intents":[{"intent":"Confirm beneficiary nominations","confidence_score":0.635263}]},{"text":"I've I've been thinking about it for a long time, and people have told me, oh, yeah. You can just do the three wheel kits, but I don't know how that will work or anything. So yeah.","start_word":7411,"end_word":7447,"intents":[{"intent":"Discuss three wheel kits","confidence_score":0.010498591}]},{"text":"There just to kind of recap, so I'm gonna go back and review the super for you.","start_word":8194,"end_word":8210,"intents":[{"intent":"Review super","confidence_score":0.121065155}]},{"text":"Also, have a look at the underlying investments there. I'll check your risk profile shortly to make sure that everything is in line with that correctly.","start_word":8212,"end_word":8237,"intents":[{"intent":"Review portfolios","confidence_score":0.012500256}]},{"text":"I'll check your risk profile shortly to make sure that everything is in line with that correctly.","start_word":8220,"end_word":8236,"intents":[{"intent":"Check risk profile","confidence_score":0.22094755}]},{"text":"We're happy to retain the insurances at the moment, but I'll look at trying to get you some income protection to make sure it's paid for inside super.","start_word":8237,"end_word":8264,"intents":[{"intent":"Preserve insurances","confidence_score":0.0020680977},{"intent":"Retain insurances","confidence_score":0.07253891}]},{"text":"And estate planning, we're just making sure that your will and power of attorney get done up in the future, and you're happy with your beneficiaries as they are. Does that sound correct?","start_word":8293,"end_word":8325,"intents":[{"intent":"Explore estate planning options","confidence_score":0.000040489125}]},{"text":"Do you have any other goals that you're sort of looking to achieve down the track that you might, you know, be wanting us to sort of help with further down the track? Can be anything. Not really.","start_word":8337,"end_word":8374,"intents":[{"intent":"Determine home loan goals","confidence_score":0.0034136055}]},{"text":"It is a realistic factor these days, though, that a lot more people are retiring with still a home loan.","start_word":8453,"end_word":8472,"intents":[{"intent":"Inquire about retirement income","confidence_score":0.0029327667}]},{"text":"I do need to book in a really quick pre assessment with one of my colleagues. Is there a day maybe this week or next week that would suit you in the afternoon or whatever time suits you to kinda go through a quick pre assessment with my team?","start_word":9140,"end_word":9188,"intents":[{"intent":"Schedule pre assessment with colleagues","confidence_score":0.0018206219}]},{"text":"So if you're happy with staying on board, I'll just get you to sign and return that back for me, and I'll see what I can do about making you super work harder and, you know, getting you some insurances and seeing what we can do to help Sounds you out.","start_word":9403,"end_word":9453,"intents":[{"intent":"Explaining purpose","confidence_score":0.013863896},{"intent":"Stating purpose","confidence_score":0.007560666}]},{"text":"Thank you so much for your time. I really appreciate it.","start_word":9458,"end_word":9468,"intents":[{"intent":"Appreciating assistance","confidence_score":0.0011128351}]},{"text":"Thank you so much for your time. I really appreciate it. I know you're at work, so I hope you have a good afternoon or a good evening, good night. Not a problem. You too. Thanks, Christopher. I'll talk to you soon. See you later. Right.","start_word":9458,"end_word":9503,"intents":[{"intent":"Providing information","confidence_score":0.05689752}]},{"text":"Thanks, Christopher. I'll talk to you soon. See you later. Right.","start_word":9493,"end_word":9503,"intents":[{"intent":"Confirming identity","confidence_score":0.000016960978}]}]},"sentiments":{"segments":[{"text":"I like this, Hi, Christopher.","start_word":0,"end_word":4,"sentiment":"positive","sentiment_score":0.3959335684776306},{"text":"This is Dana from Okie Financial.","start_word":5,"end_word":10,"sentiment":"neutral","sentiment_score":0.30399471521377563},{"text":"How are you this buddy.","start_word":11,"end_word":15,"sentiment":"positive","sentiment_score":0.35495102405548096},{"text":"afternoon?","start_word":16,"end_word":16,"sentiment":"neutral","sentiment_score":0.19644542038440704},{"text":"Good.","start_word":17,"end_word":17,"sentiment":"positive","sentiment_score":0.4497447609901428},{"text":"How are you?","start_word":18,"end_word":20,"sentiment":"neutral","sentiment_score":0.32260969281196594},{"text":"I'm very well. Thank you. Thank you for asking.","start_word":21,"end_word":29,"sentiment":"positive","sentiment_score":0.6162027716636658},{"text":"I had you booked in to go through your annual review. Is now still a good time there for you? Yep.","start_word":30,"end_word":50,"sentiment":"neutral","sentiment_score":0.2238587588071823},{"text":"Fantastic.","start_word":51,"end_word":51,"sentiment":"positive","sentiment_score":0.4957658052444458},{"text":"Kristin, as part of the the call, we normally email through your documents to go through with us. Are you able to access your emails? It sounds like you're traveling a little bit. Alright. Sorry. I just started the truck. Hang on. Let me take up with my e badge in and Yeah. That's absolutely fine. In Nigeria.","start_word":52,"end_word":109,"sentiment":"neutral","sentiment_score":0.0770096406340599},{"text":"Excellent.","start_word":110,"end_word":110,"sentiment":"positive","sentiment_score":0.451767235994339},{"text":"I can hear you loud and clear. Now before I jump into the call, just to let you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? That's fine.","start_word":111,"end_word":152,"sentiment":"neutral","sentiment_score":0.1864631175994873},{"text":"Fantastic.","start_word":153,"end_word":153,"sentiment":"positive","sentiment_score":0.5157957077026367},{"text":"And just to do a quick security check there with you as well, we are discussing your personal information. So I'll just confirm your full name, your date of birth, and address I should have on file there for you. Christopher Love, put thirty five to fifty Yeah. 9 At 8488 Grand Vista Yep. Boulevard, Burberry, Victoria 3030. Yeah.","start_word":154,"end_word":212,"sentiment":"neutral","sentiment_score":0.11704780906438828},{"text":"Beautiful. Thank you so much for that.","start_word":213,"end_word":219,"sentiment":"positive","sentiment_score":0.5761869549751282},{"text":"I've just sent you the email I there with your annual review documents. Are you able to jump into your emails? If got you can't, it's honestly okay. it. Yep.","start_word":220,"end_word":249,"sentiment":"neutral","sentiment_score":0.1432793289422989},{"text":"Fantastic.","start_word":250,"end_word":250,"sentiment":"positive","sentiment_score":0.4723648428916931},{"text":"The email should come through from OdooSign and or Dana.","start_word":251,"end_word":260,"sentiment":"neutral","sentiment_score":0.31275585293769836},{"text":"Hopefully, it pops through fairly quickly there for you.","start_word":261,"end_word":269,"sentiment":"positive","sentiment_score":0.424361914396286},{"text":"Yep. I'm opening it Legend. And how's your day been so far? now. Yeah. Not too bad. I just yeah. I like to just work it up. I guess. Yeah. Yeah. You work afternoon or evening shift, don't you?","start_word":270,"end_word":308,"sentiment":"neutral","sentiment_score":0.1431463062763214},{"text":"That's great.","start_word":309,"end_word":310,"sentiment":"positive","sentiment_score":0.41937777400016785},{"text":"I'll I'll I'll Yeah. work it out too.","start_word":311,"end_word":318,"sentiment":"neutral","sentiment_score":0.17537984251976013},{"text":"Nice.","start_word":319,"end_word":319,"sentiment":"positive","sentiment_score":0.3607289791107178},{"text":"Yeah.","start_word":320,"end_word":320,"sentiment":"neutral","sentiment_score":0.2487318366765976},{"text":"Absolutely. All good.","start_word":321,"end_word":323,"sentiment":"positive","sentiment_score":0.3957861661911011},{"text":"And you've just recently had your taste done as well. How's that been going No. for you? Not yet. Not Not yet. yet? I've just just recently got the the payment came through yesterday, the money Yep. Yep. We're Can see released, that's come out. Yep. and and I'm going in the end of next month Okay.","start_word":324,"end_word":380,"sentiment":"neutral","sentiment_score":0.09542304316633626},{"text":"Beautiful. to get End them done.","start_word":381,"end_word":386,"sentiment":"positive","sentiment_score":0.5049150586128235},{"text":"of next month. Yep.","start_word":387,"end_word":390,"sentiment":"neutral","sentiment_score":0.16189664602279663},{"text":"Lovely.","start_word":391,"end_word":391,"sentiment":"positive","sentiment_score":0.5287679433822632},{"text":"And Yeah. what are you having done? I'm having full full full mouth implants, Top and bottom Yeah. bridge. Yeah. Wow. I've heard like, a lot of people have been telling me that I've been having that done, and I've had a couple of people kinda teach telling me sort of how it goes and how everything goes over the six months. Have they given you kind of a breakdown of what to expect, like, how the process goes of getting those implants in? Yep. So I go in on the the first day and have all the teeth of the legs ripped out on the screws put in. Yep. I go in the very next day to get my healing teeth put in, Yep. And then I think it's every three months I get a new set of teeth until I think it's at the twelve month mark. That's when I get what they call you forever teeth, the ones that you'll have. Yeah. Yeah. I didn't realize that it was such a process. That's insane, isn't it? Like, it's good Yeah. that they kinda do it in steps and stages, I suppose. Well But well, yeah. it's a it depends on who you go through and what you get. Some places you go in, get the teeth done, get your teeth put in, and that's it. They don't they Yeah. don't do Right. any more than that. But the people I go through are one of the the only people that actually started doing it, and they it it's a good twelve month process that they take. Yeah. Yeah. No. Wow. And so Well, they I should hope see the amount that of money I'm paying. absolutely. Yeah. No. Definitely. Well, look, honestly, I hope that all goes well. I wanna make sure I catch up with you moving forward to see how everything is going.","start_word":392,"end_word":709,"sentiment":"neutral","sentiment_score":0.04808349162340164},{"text":"I can definitely see that payment has come out of your super.","start_word":710,"end_word":721,"sentiment":"positive","sentiment_score":0.4167807102203369},{"text":"So it obviously has made an effect on your super balance there. Just Obviously. to kinda Yeah. give you just you're probably well aware, your super balance at the moment within half twenty four, we are sitting at 50,140 and 15<unk> there. Within Team Super, we do have 12,704 and 30<unk>. Yep. Yep. I did your next report, if you scroll along to the next document, is your performance report within Hub '24. So it does show that that withdrawal has come out. On the second page there, it does still show that you had over the past twelve months a 6.15% return net of fees. So your super has still made money. That's obviously affected the you know, gonna have a a bit more of a effect down the track when you know, from this year to next year.","start_word":722,"end_word":864,"sentiment":"neutral","sentiment_score":0.09381720423698424},{"text":"But we'll see what we can do to help you kinda boost your super and build that back. But it is good that you're able to at least access that money for, you know, getting your dental work done. And it's good to see you still had a positive return net of fees as well.","start_word":864,"end_word":919,"sentiment":"positive","sentiment_score":0.5679982900619507},{"text":"So I wanna make sure things keep working harder for you. When I look at how your super is invested, I can see on the first page of that report, there are a couple of investments that are underperforming a little bit. Are you comfortable with me going back and maybe having a look at your super and maybe switching up the portfolio, making sure it's working harder for you, maybe a bit more of a lower cost portfolio, and maybe changing up some of those investments there for you? Absolutely.","start_word":919,"end_word":1010,"sentiment":"neutral","sentiment_score":0.03205490484833717},{"text":"And that's why it's with you guys, so you guys do all that for me, and I don't have to worry about it because Fantastic. I know nothing about Super. That's why I went with you guys. Absolutely.","start_word":1010,"end_word":1048,"sentiment":"positive","sentiment_score":0.4184376299381256},{"text":"Well, I can definitely have a look at that for you. I know you can sort of see there that Bannalong Australian Equities is the main one that is down. That one there has been underperforming. And the idea of Bannalong, just to kinda give you a little bit of backstory there, Bennelong is an actively managed fund. So the investment manager within that fund is trying to outperform against the market. They have not been able to do so this year, so we are taking the step to remove that out of the portfolios. I Yep. do have a couple of options depending on your comfort level. I can look to replace that with another active manager, or I can just look at a low cost portfolio that might still have good returns. Did you want me to sort of replace it with a like for like, like another active manager, or are you just sort of wanting to reduce the cost of the portfolio and make it work a bit harder to kinda replenish it?","start_word":1048,"end_word":1222,"sentiment":"neutral","sentiment_score":0.023136948038424764},{"text":"I'm wanting you to do whatever is best in my interest. I can do that for you. Absolutely.","start_word":1223,"end_word":1240,"sentiment":"positive","sentiment_score":0.4209408760070801},{"text":"I want I want that's that's like I said, that's why you guys are there because you guys Yeah. know what you're doing. You make the decisions and just Yeah. go with whatever you guys decide. I don't care if I lose I don't No. lose everything. No. Completely understandable. And that's one of the things that is really important to me as well as an adviser is that I do work in your best interest. It is, you know, what we do, making sure that we are here to meet your goals and that any advice that is provided is done so in accordance the best interest duty and section out of the corporations that. So I will make sure I look after you. What I can absolutely do for you is go back. I'll review the sofa, the investments, how it is invested between, obviously, Team Super and Hub twenty four. Make sure you're in line with your, you know, asset allocation within your comfort level, but also look at the fees, the costs, and the capital gains consequences for making changes. So one of the things a lot of people don't realize is that your super fund, just like you, Your super fund also pays income tax and capital gains tax. So when we are looking at switching out the portfolios, we also take, you know, fees and tax consequences into effect. And I can look at, you know, trying to manage as much of those costs and changes as possible. And I can make the recommendation and show you what that looks like in the statement of advice. Are you comfortable with that? Yeah. That's fine.","start_word":1241,"end_word":1520,"sentiment":"neutral","sentiment_score":0.14159373939037323},{"text":"Yes. Fantastic. Well, I've got some really good ideas of what I wanna do. So I'll make sure I do that for you, and we'll come back in a couple of weeks and show you the recommendation.","start_word":1521,"end_word":1557,"sentiment":"positive","sentiment_score":0.6755997715769587},{"text":"The next thing I kinda wanted to talk to you about was the insurance side of things. So I know last Yes. year, we were going back and trying to have a look to see whether we could get new cover, and I know you had been denied cover in the past by the insurer. So where we were kind of at was going to we got the authority signed from you, and we had that sent to your doctor's office to see if we could obtain that, information from them. We Yep. did eventually get the letter. It took a bit of time, but we did eventually get the letter from them. Now Okay. it does essentially say that there was a decline, and it does give the reasoning behind doing so. It's obviously quite sensitive information. But did your doctor ever show you this letter or give you any of this information in the past? I can't remember. I don't I No. don't That's think they have any information. I I think I may have got the letter, but I'm not uneventful. no. That's I okay. thought I So thought I I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I yeah. thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I thought I Yeah.","start_word":1558,"end_word":1859,"sentiment":"neutral","sentiment_score":-0.032654862850904465},{"text":"So, essentially, with the letter, the outcome of what it says here and I'll are you happy for me to read that Yep. information to you?","start_word":1860,"end_word":1885,"sentiment":"positive","sentiment_score":0.42230165004730225},{"text":"Yeah.","start_word":1886,"end_word":1886,"sentiment":"neutral","sentiment_score":0.327566921710968},{"text":"Beautiful.","start_word":1887,"end_word":1887,"sentiment":"positive","sentiment_score":0.5600042343139648},{"text":"So it does note here that Zurich and OnePath had essentially looked at providing the insurance application. It says here in the reason for the decision or the decline was that when they look at an insurance application, they take into account several different considerations or factors. They've taken into consideration the amount of cover applied for your occupation, your age, your smoker status and history, mental health records as well. It's also got here obesity, gastric surgery, and then it's also got here that they also considered talking to account hepatitis c and recreational drug and substance use. That's They've why you've all got us the recreational drug use, that was well, a long time ago. I've Yeah. I've heard you said that again. Yeah. No. They also note down here that they also took into account some memory issues, some back pain, and it says here that they found or there was a record of assault and or coma. Have you had anything in the past where you were in in a in a coma or had a head injury of some sort? Yeah. Very long time ago. Yes. Okay. Okay.","start_word":1888,"end_word":2080,"sentiment":"neutral","sentiment_score":-0.08415803247145884},{"text":"So, I was essentially that is it ain't easy, I think.","start_word":2081,"end_word":2091,"sentiment":"negative","sentiment_score":-0.34273332357406616},{"text":"very long time ago. Yeah. Okay. No worries. So that's essentially the reason in 2024 for why they declined the the cover. It was basically a combination of the recreational substance abuse, so the drug use that was disclosed. They kind of Yep. also linked that to the mental health, and then they also noted that there was memory issues and the fact that you were in a coma in the past and then, obviously, the back pain.","start_word":2092,"end_word":2169,"sentiment":"neutral","sentiment_score":-0.21573270857334137},{"text":"So all of those things that coincided together increased the risk of the application and would have resulted in more than three exclusions and or loadings on the policy. So in that instance, it's a straight decline.","start_word":2170,"end_word":2206,"sentiment":"negative","sentiment_score":-0.4601448178291321},{"text":"I had a look at some other options and providers. There may be an option down the track, but I would need to reassess everything from start to finish for you.","start_word":2207,"end_word":2237,"sentiment":"neutral","sentiment_score":-0.23373638093471527},{"text":"I know it's probably not preferable. I'm very sorry to have to do this.","start_word":2238,"end_word":2251,"sentiment":"negative","sentiment_score":-0.5162845849990845},{"text":"Look. I would No. It's need not. to I wanna I kinda I get the I understand best it. options. I just don't understand why they declined me back then, but yet when I applied for life insurance and gave them all the exact same details as you've got there, they've they've covered me. No worries. Yeah. Was that with the team super that you're talking about with that life No. cover? No. No. No. No. No. I've got life insurance now, actually, Do you? because, yeah, because I couldn't Yeah. I was having trouble getting insurance through the super and all that. I actually Yeah. went out, and I got myself life insurance. So Okay. and I I only went for a small amount. I only went like, when I said small amounts, $8,800,000. That's that's not a small amount. That's a good amount of cover. Yeah. Absolutely. No. So I Every I absolutely. I actually got approved for that within, yeah, I'd say half an hour. By the time they Yeah. I hung up on the call and they did all their checks and all that and Perfect. called me back and approved me. So Yeah. I do have life insurance, so Yep. I'm not overly fussed with my super insurance. But Yeah. as as my OPAR used to always say, the more the better. Absolutely. And I think with with the application that we were going through originally, it wasn't just for life cover. It was also about disability cover as well. Yes. That's And the right. risk on the disability cover is absolutely higher than the life for a lot of what has been disclosed in the past. So I can Yeah. sort of see that's where the risk factor laid with the insurer and why that decline kinda came through. So I am really apologetic that that didn't that we weren't able to have this conversation earlier with you. I wanna make sure that moving forward that we don't kind of miss these things and that we are more on top of things with you, definitely. It did take a lot longer to get this report from the doctor's office, and we certainly had anticipated as well. It kinda came through early this year. They were sort of holding back on providing it. We followed up a few times there as well. So it is It's good because that I we haven't now saved have them in that a long. base.","start_word":2252,"end_word":2667,"sentiment":"neutral","sentiment_score":-0.045585341413523287},{"text":"It's all good. Essentially, it is good that we've kinda got this base now for you. You do have that life cover.","start_word":2668,"end_word":2689,"sentiment":"positive","sentiment_score":0.5007652044296265},{"text":"Who is that life cover through? What's the insurer that you got it through? Yeah. There you there you're testing Sorry. me. I'm asking all the tough ones, aren't I? I have to have that. Now you're on a second. It should be out of the two. No That's okay. Does is it, like, one idea. of the ones that you see on the television, like insurance line or Yeah. real insurance, or is it sort of one of the big name insurers? I I think it's one of them because I was gonna go through Suncorp Yep. because I took my home insurance and cars and everything a week, but they they said no base basically to some of my health issues in the past, but also my line of work. Yes. So all sort of a right. Yeah. We we we you're better off going with a insurance broker or something along them lines. Yeah. I went through them and like I said, yeah, they no dramas in covering me. They offered me Yep. a lot more money, Yep. but, obviously, at a lot higher lot higher cost. Yeah. So Definitely. give it again. Here And and I we mean, go. in yeah. Direct Sorry. cover. You're right. Direct cover. Yeah. Beautiful. And who does it say on that email who the underwriter is of the policy? Oh, I just went through my bank to see who I was paying. This I've got my alright. My mhmm. It Might would say be underwritten able to by, like, Zurich or AMP or Zurich or OnePath or Tal or, like, okay. another insurer or Suncorp. Alright. Who's uncle? That would be funny. Let me so where would I find that? Direct coverage trading name of Nielsen Financial Services that does a agent of insure Hallmark Life Insurance Company. Hallmark, a life insurance company. Okay. I Yeah. can have a look at that for you. And Hallmark Life is part of St. Andrew's Insurance Group. I'm just reading all the from the bottom of the Yeah. email there.","start_word":2690,"end_word":3036,"sentiment":"neutral","sentiment_score":-0.02285647764801979},{"text":"You're absolutely fine.","start_word":3037,"end_word":3039,"sentiment":"positive","sentiment_score":0.5183231830596924},{"text":"I'm having a look at them now to see Because it just says who direct their cover underwriter is is a is. trading name of Nelson's Financial Services. Direct cover products are insured and managed by direct cover as Yep. agent of the insurer, Hallmark Life Insurance Company. Yep. So that's I the don't know if yeah. will it be an So ABN it and a s AFSL yeah. number or anything? Yeah. So it is just saying that Hallmark is the underwriter of the policy. Perfect. Oh, yeah. There we go. Yep. And and the right product is changing changing the right ear and playing with. No. All good.","start_word":3040,"end_word":3149,"sentiment":"neutral","sentiment_score":0.011569330468773842},{"text":"Perfect. Thank you so much for that. Excellent. So you've got the life in cover you've got the life cover there now with the 800,000 of cover, which is fantastic.","start_word":3150,"end_word":3179,"sentiment":"positive","sentiment_score":0.4985661804676056},{"text":"With your team, Sophie, you still also do have a 100,704 and $30 there with life cover as well. So, theoretically, if you were to pass away today based on your current circumstances, you've got 800,000 of life cover there plus a $107.00 $4.30 plus your super balance K. I've nearly 12 nearly 74. a million dollars. Yeah. It works out to do that 969,548 and 75<unk>. They're between all three because if you were to pass away today, we could claim on the two types of life cover as well as your super benefit and have all that paid out. Now in saying that, what where is it that you want to have that money paid to? What's important to you to Yep. I have your life insurance cover? so it's all nonbinding Right. to go to the kid's mom. I've still got I've still got to get a will done, but once once all that money comes through, it will obviously pay off all the debts, the house, the the the car, and all that. And then the rest of it goes to to her to either divvy up between everyone or just look after everyone. Yep. Absolutely. Now you've made mention you've got a nonbinding beneficiary nomination on that policy. Do you understand how those nominations work and what nonbinding means? No. From what they told me, it means it can't be changed. And even if I didn't want the money to go if I don't change it, the money goes Mhmm. to them regardless. So is it maybe binding, nonlapsing or binding, No. lapsing? That's it. Nonlapsing. Yep. That's okay. I just want to clarify that because nonbinding is something very different. Nonbinding nominations essentially don't bind the trustee of the insurance company to follow the direction. Essentially, they can then look at your nomination. They take that into account, but they make the call. Whereas No. if It's it's a binding it's binding a bind binding non lapsing. Finding beautiful. non lapsing.","start_word":3180,"end_word":3516,"sentiment":"neutral","sentiment_score":0.03626185790456014},{"text":"So Excellent.","start_word":3517,"end_word":3518,"sentiment":"positive","sentiment_score":0.4096282422542572},{"text":"I don't have So I don't have to sign a form every year to to perfect. to keep it up to date. That's exactly right. And that's how we wanna make sure it is on your super as well with your team super and and your hub 24. Did That's you definitely the same as Hub 24. I know that. Definitely. it is. Yeah. It is. I'm just double checking those now because we do a bit of an audit prior to the call. So on your hub 24, you have a binding non lapsing to Carol, so you'll start for That's a it. 100% of the benefit. And with your Team Super, you do also have a binding beneficiary nomination. It is lapsing. So Team Super don't allow the non lapsing Yeah. I've option I've at I've the got moment. an immediate home every We every three years. So the next time it is due is, yep, in 2028. So we'll make sure that that in your review prior that we help you to organize and update that nomination. That way, it's all done, ready, and doesn't lapse for you. Okay? Yep.","start_word":3519,"end_word":3711,"sentiment":"neutral","sentiment_score":0.07860386371612549},{"text":"Sounds Excellent. good. Fantastic. Well, you've done a great job.","start_word":3712,"end_word":3721,"sentiment":"positive","sentiment_score":0.6088690757751465},{"text":"Sorry to confuse you there.","start_word":3722,"end_word":3726,"sentiment":"neutral","sentiment_score":0.07754342257976532},{"text":"I'm so glad that we have that nomination correct.","start_word":3727,"end_word":3735,"sentiment":"positive","sentiment_score":0.576012372970581},{"text":"Yeah. Having that binding is always the best way. And, look, you know as well as I do those nominations can be painful to fill out all the time. So having it nonlapsing means that it stays in place permanently and that we always try to review these with you on a regular basis. So if and when something was to happen and you wanted to change that nomination, you can let us know.","start_word":3736,"end_word":3809,"sentiment":"neutral","sentiment_score":0.0692973839672836},{"text":"We can have it updated to help you out.","start_word":3810,"end_word":3818,"sentiment":"positive","sentiment_score":0.47916921973228455},{"text":"Okay? Yeah. Now the other thing I wanted to ask is with the life insurance policy, you have this placed in force, obviously, I don't wanna go out there and cancel that, but I do wanna make sure that having us as your advisers means we can assist you with the policy as well. Are you comfortable if we add an authority to collect onto that policy?","start_word":3819,"end_word":3885,"sentiment":"neutral","sentiment_score":0.11427000910043716},{"text":"It allows us to be able to call and help you to, a, you know, get quotes, understand the policy, and keep a record of that policy on file with everything else that we help and monitor for you.","start_word":3886,"end_word":3924,"sentiment":"positive","sentiment_score":0.37541431188583374},{"text":"I don't know. That's okay. I I just I got approved, signed all the forms, and I handed the the letter they gave me with all the details on it to Carol. So she's got it all, so she knows Yep. that the life insurance is there. She's the beneficiary of it and all that. So Yeah. I don't I don't. That's that's okay. The main reason we try to sort of have the authority to collect on file, we can't make changes on your behalf. It's an authority to inquire only. It helps us to understand what you have available to you when we're assessing your total circumstances and helping you to meet your goals. So understanding what insurance you have, where, and when is a really important aspect. The other side of it is if we don't have an authority on the policy, which is absolutely fine if you choose not to do so. It just means that we're gonna ask you every year what your current insured amount is and make sure that that's still in line with your goals because we have an obligation with everything else to make sure it's all correct and in line with your goals, and that's about making sure we understand your circumstances as a whole and taking into account all possible information to do that. So it's up to you. You don't have to add the authority on file. We try to make sure we can add those authorities to make sure we're assisting you and understanding what you have available to you to help you meet your goals. Hello? But if you choose not to, that's fine. We'll just make sure as part of the annual review, it's here. We ask you how much your insurance policy is, and we might just ask you to provide a statement so we can kinda keep a record of that on file for you. Okay? Yeah, bro. Well, I'll say I'll I'll leave it as is at the moment, but, obviously, if Yeah. I change my mind, which I Yeah. most likely will, I'll Yeah. That's I'll just okay. call up and book an appointment so we can just go through it then. Is that Yeah. if that's okay?","start_word":3925,"end_word":4301,"sentiment":"neutral","sentiment_score":0.05965088244616511},{"text":"Absolutely. Absolutely. Now you've got your life insurance fairly covered, which is fantastic because that is really important. In the event of you passing away, you wanna make sure Carol is looked after and your bills are paid. Fantastic.","start_word":4302,"end_word":4340,"sentiment":"positive","sentiment_score":0.5113253593444824},{"text":"The other thing that you obviously were talking about down the track is disability cover. Now with your TPD or total permanent disability cover, do you understand what that covers, how it works, how it's Through the life insurance or through the super? paid? The the TBD you have through super, it's disability insurance through super. Okay. No. I don't know how that works. No. That's okay. You're fine, honestly. So TBD pays out a lump sum or an income stream in the event that you're unable to ever go back to work again. It's called total permanent disability cover. Inside your Yep. Team Super, you actually have that kinda cover. You have a 100,704 and $30 worth of cover there. Now the kicker with TBD is when it's held inside Super, you in order to meet the definition to claim it, basically, you have to be never able to go back to work again for any occupation for which you are educated, trained, or have worked. So it is a pretty hard definition to claim on. Yep. Essentially, if you were to claim on that policy and you were under the age of 60, unfortunately, there is tax applied if you then withdraw the full benefit amount.","start_word":4341,"end_word":4548,"sentiment":"neutral","sentiment_score":-0.04908156051085545},{"text":"So tax and it's disgusting. I do not think it's correct in any way, shape, or form, but the tax on that could be up to 22% if you claim and take the amount fully out of super.","start_word":4549,"end_word":4586,"sentiment":"negative","sentiment_score":-0.5172623991966248},{"text":"So you withdraw the funds to your bank account. If Yeah. you were to ever claim on that, we would help you to claim provide advice on how to limit the tax and how to use the funds so they last a bit longer. But the main thing I kinda wanted to find out was if in the event that you were unable to ever go back to work again, so you were fully disabled and never able to work again, what kind of benefit would you need? Do you feel like that level of cover you have is fine, or would you wanna try and get something a little bit more? I know in the past, we have been declined for cover, but I'm happy to go back and try and reassess things wholly if you would like me to. I just wanted to find out your thoughts and make sure I'm giving you all the information around the product that you do have. Again, whatever you you think is best. Mhmm. Well, think of it this way. Like, if you were never able to go back to work again today, if you were just fully disabled and you couldn't go back to work again and you claimed all that $100,000 policy, we were also able to release your super. So you've got 56,000 in hub 24 and now 12,000 in team super there as well. Plus plus It just the eight sent 100,000 from my life insurance because that's got the TPD on it as well. does that have TBD as well? Yes. It does. Yep.","start_word":4587,"end_word":4854,"sentiment":"neutral","sentiment_score":0.08076072484254837},{"text":"Beautiful.","start_word":4855,"end_word":4855,"sentiment":"positive","sentiment_score":0.5532647371292114},{"text":"So you've also got 800,000 of TBD attached to your life cover through that new insurance policy as well. Yes. I've got I I made sure that was in there because if something Yep. was to happen in that dramatic sense, Yeah. I could at least pay the house off and Yep. all all the bills would be gone. And then I would, you know, obviously, I wouldn't have an income, so I would withdraw on the supers and that. And I wanna say least comfortably, but know that the rates are paid and the bills are paid and Right. not So paid stressed. yep.","start_word":4856,"end_word":4960,"sentiment":"neutral","sentiment_score":0.08337256521696136},{"text":"Absolutely. Perfect. So, realistically, you've got a fair amount of life and TPD there. You're fairly comfortable with that level of cover.","start_word":4961,"end_word":4982,"sentiment":"positive","sentiment_score":0.3940177857875824},{"text":"That's okay? Oh, yeah. Yeah. Yep. So Yep. the way the way I looked at it when I signed up was at the close to a million dollars if that incident happened, which would, like I said, pay off the house, pay off the loans that I have, the credit card, and all that, Yeah. and Yeah. then just not overspend and try and live off the rest. Well, the good thing is if you sort of think about having the mortgage fully paid off, if you're paying, you know, $4.05, or $600 a week in mortgage repayments, if you've then taken 900. that money and you've paid the mortgage 900. Sorry. If you've paid the mortgage off, that's $900 extra that's in your pocket. So, theoretically, your living expenses should decrease, which means you should be able to live on a little bit less than what your actual income is in the event of claiming on one of those covers. Yeah. Yes. 100%. Instead of needing $2,000 a week, I would only need 5 hundreds. Yeah. Absolutely.","start_word":4983,"end_word":5160,"sentiment":"neutral","sentiment_score":0.08086078613996506},{"text":"Perfect. Excellent. Well, I'm glad that we've got that kinda covered for you for the moment.","start_word":5161,"end_word":5176,"sentiment":"positive","sentiment_score":0.549378514289856},{"text":"The other type of insurances that you don't seem to have that I'm aware of is income protection. Do you have much in the way of No. sick leave, annual leave, or things to fall back on if you are not at work in a short term? No. I have about Yeah. I have about seventy seventy eight days of sick leave, Yep. and I've only got about five weeks of annual leave at the moment, which will obviously Yep. go down there. If I get my teeth done, that will go down another week or two. Yep. So I've I've I've I've got about three weeks annual leave after all that plus, like I said, about nearly eighty days of sick leave. And eighty days of sick leave. Yep. That's okay. We could go back and see if we can find and are able to get maybe some income protection cover for you. Or do you feel like you need income protection? Are you fairly comfortable like, how would you sort of cover the bills and expenses if you were not able to go to work in the short term outside of that sick leave and annual leave? I couldn't. You couldn't? Does does your does Carol work? Is she We're earning not an together. income? Oh, okay. She's your partner, but not Yeah. She's not married. the my she's my kid's mother. We were Okay. together and we split, but we No. yeah, still very That's, close. like, yeah, no. That's absolutely fine. That's not a problem at all. I just didn't wanna sort of put my foot in or say anything wrong, but No. want to No. make I sure I'm I understand you're yeah. right. No. No. I'm I'm very I'm Yeah. very much, unfortunately, single, but It's I okay. spend I I only have weekends off work, and I spend all weekend with the kids and her and Yeah. family. So Yes. That's absolutely fine. Family is still important. It sounds like you have a really good, you know, quality of life with your family, and you guys get along really Most well. times. Yeah. Oh, look. Even married couples don't get on that well sometimes. That's No. true. Oh oh, good.","start_word":5177,"end_word":5553,"sentiment":"neutral","sentiment_score":0.005239154955752648},{"text":"Fantastic.","start_word":5554,"end_word":5554,"sentiment":"positive","sentiment_score":0.40312010049819946},{"text":"Did you want me to see if I could maybe obtain a bit of income protection for you? It does mean I would have to go back and, you know, look at your circumstances and reassess your medical history and see what's available to you. Or how do you feel about income protection? Would you like me to do that?","start_word":5555,"end_word":5614,"sentiment":"neutral","sentiment_score":0.03743906691670418},{"text":"I'm more than happy to do so.","start_word":5615,"end_word":5621,"sentiment":"positive","sentiment_score":0.4708271622657776},{"text":"If you can look into that, that that'll be Yep.","start_word":5622,"end_word":5631,"sentiment":"neutral","sentiment_score":0.2483798861503601},{"text":"much appreciated. Yep. Perfect. Into that.","start_word":5632,"end_word":5637,"sentiment":"positive","sentiment_score":0.526751180489858},{"text":"No worries at all. Now there's a couple of things to take into account when we look at income protection. The first one is obviously the benefit amount. So the most you can technically cover yourself for with income protection is up to 70% of your pretax disability income. Did you want me to try and cover you for the maximum of your income that we can, the 70%, So or do you feel like maybe a lesser benefit would be comfortable is that 70% of my income before tax or after tax? before tax? Before tax. Okay. Yeah. Pre No. disability, That's pretax income. Yeah. okay. No. I'd I'd I'd I'd have to look at the the latter, like, the highest amount. The higher amount? Yep. So the 70 Yeah. percent is the max benefit? Absolutely. Not a problem. The other side of it is they also have what's called a waiting period. It's how long you have to be off work prior to you actually making a claim. Generally, Yep. a benefit period can start at thirty days, be up to sixty days, or ninety days. The longer the waiting period that you the longer you have to wait for a claim means the cheaper the policy can be. So, obviously, a thirty day waiting period makes the policy more expensive. Do you think you would need to have the earliest waiting period near try to claim within thirty days, or do you think you'd be happy with something longer to try and make the policy cheaper? No. I'd I'd need to yeah. I wouldn't be able to wait that long. No. That's okay. So thirty days would have to be the lowest that we can do. So we try and get Yep. a thirty day waiting period. Yeah. Absolutely. Not a problem. And then we also have what's called a benefit period. This is how long you can be on a claim for. It is tough cause you never know if you're gonna be on a claim. Generally, claims can go for two years, five years, or up to age 65 with income protection policies. Did you wanna look at maybe a longer benefit period for the risk that you Yes. may be on a claim longer? Yeah. Yes. The most expensive benefit period is age 65. Did you wanna look at five years sort of a happy medium? Yeah. Yeah. Yep. Five years to start with.","start_word":5638,"end_word":6047,"sentiment":"neutral","sentiment_score":-0.008927337673106571},{"text":"Beautiful. Five years benefit period. Excellent.","start_word":6048,"end_word":6053,"sentiment":"positive","sentiment_score":0.5591437220573425},{"text":"Because I And just the I income just I just looked at it. 70% Yeah. of my before tax income would cover cover everything. That's just nearly $2,300. So Yep. Okay.","start_word":6054,"end_word":6084,"sentiment":"neutral","sentiment_score":0.1534431427717209},{"text":"Perfect.","start_word":6085,"end_word":6085,"sentiment":"positive","sentiment_score":0.4221996366977692},{"text":"And income wise, I've got you earning. So the last conversation, you were on about 150,000 per annum. Is that still fairly accurate income wise? Around 60. $1.60? Yep. Yeah. Perfect. Update So that for you. and and an average week, if I don't do any other work, I'm just working all week on before tax, just shy Yep. of 30 to $300. Okay. Perfect. And are you managing to save much on out of your income once they everything's kinda going to expenses? Yep. Nope. Everything goes to expenses. I don't have Yep. savings. Nope. That's understandable. All good. We can it's life is extremely expensive at the moment, you there's so many people in the same boat. Yep. My Alright. pay goes in on Thursday afternoon, and I'm And broke it's gone. by Sunday Sunday night. Sounds right. Yep. Understandable. All good. When I'll go back and have a look at sort of what kind of contracts might be on offer, I will need my team to maybe touch base over the next couple of days and or, you know, next week or so and do a bit of a pre assessment with you just to kind of get a gauge on the health history that, a, we may have, but, b, anything additional that I may need to understand so I can go out there to all the different insurers. I do what's Yep. called a blind pre assessment. They don't know anything about you other than that, you know, you're a male of a certain age, and then I have all these, you know, your health basically written down on a pre assessment system. I send that out to the insurers, and they come back and tell me what kind of contracts they might offer. There is Yep. a risk depending on what is disclosed. They may decline to offer income protection. Not If a problem. there is if there is that option, we can also look at other things. So one of the things I do try to work on with clients who are unable to get additional disability cover is to look at building wealth outside of super, set up saving plans as well to kind of, you know, save money to provide a bit of an offset. I can also go back to Team Super and see what their income protection policy looks like, have a look at their income the application process, and see if I can maybe get something through through Team Super for you as well. So I'll kinda run all those avenues. I won't let it run as long as it did last year, and I'll make sure that we get you booked back in to have your advice presentation in a couple of weeks as well. Is that okay? That's fine. Yep.","start_word":6086,"end_word":6559,"sentiment":"neutral","sentiment_score":0.013212562295046283},{"text":"Beautiful. Excellent.","start_word":6560,"end_word":6561,"sentiment":"positive","sentiment_score":0.4261121153831482},{"text":"But I just wanna make sure I'll try to be open and honest and let you know, look, I'll go out there and do all the work, but there is a risk of a decline. If it comes back that I'm not able to get any kind of cover, I'll come back with some different options as part of the advice and show you, you know, let you know that this is what the outcome is. But these are things that we can do down the track for you to assist you to kinda close that gap with the risk. Is that alright? That's fine. Yeah?","start_word":6562,"end_word":6667,"sentiment":"neutral","sentiment_score":-0.025290559977293015},{"text":"Thank you. Beautiful. Excellent. All good.","start_word":6668,"end_word":6673,"sentiment":"positive","sentiment_score":0.48606014251708984},{"text":"Now there are other types of cover that you can hold. Now the other thing I just forgot to ask before, sorry, with your wife and TPD, with that new insurance policy, is that paid out of pocket, or are you having that paid out of your super funds? Out of pocket. Okay. Beautiful. How much are they charging you for that at the moment on a monthly basis? Just shy of a $100 a month. Okay.","start_word":6674,"end_word":6750,"sentiment":"neutral","sentiment_score":-0.009413975290954111},{"text":"Fantastic.","start_word":6751,"end_word":6751,"sentiment":"positive","sentiment_score":0.4321796000003814},{"text":"That's not bad at all per month.","start_word":6752,"end_word":6758,"sentiment":"neutral","sentiment_score":0.3083074688911438},{"text":"Excellent.","start_word":6759,"end_word":6759,"sentiment":"positive","sentiment_score":0.4354783594608307},{"text":"And with the income protection side of things, you can hold that inside super the same as your other funds. You can also pay some of it out of your back pocket. Did you want it all to be structured inside super, or did you were you okay if I recommended a little bit? Sorry. You're right. Structure to a super if we can. Through Super. Yeah. Absolutely. You know, we don't wanna eat away all of you. Yeah. You're already utilizing all of your income for bills and expenses. We don't wanna overextend you too much.","start_word":6760,"end_word":6856,"sentiment":"neutral","sentiment_score":0.07444110455125877},{"text":"Absolutely. Beautiful.","start_word":6857,"end_word":6858,"sentiment":"positive","sentiment_score":0.4148558974266052},{"text":"Because of the way everything is at the moment with, obviously, your bills and expenditure, looking at more cover outside of Super isn't really an option. And do you feel like making additional contributions to super to kind of build it back up again is sort of off the cards at the moment? Would you be open to doing that, It's and not. how do you feel? No. It's a 100% No. off the cards. No. That's okay. Not a problem. All good. I'll make sure that we we can sort of focus on things like that down the track as well if you're comfortable too. I'll sort of reassess it with you moving forward. Is that okay, Chris? Yep. Yeah. That's fine. Yeah.","start_word":6859,"end_word":6982,"sentiment":"neutral","sentiment_score":0.051544640213251114},{"text":"Beautiful. Moving forward. Excellent.","start_word":6983,"end_word":6986,"sentiment":"positive","sentiment_score":0.43043768405914307},{"text":"I've got down here so assets I've got down here, your main primary residence. Last valuation we have was about 680,000. Would 7 you 50. say that's gone $7.50? Beautiful. Have you had it valued recently? Or I had it valued at the start of the year when I refinanced it. I was valued at two two different values came through, and they both valued it at 750.","start_word":6987,"end_word":7054,"sentiment":"neutral","sentiment_score":0.06463044881820679},{"text":"oh, fantastic. Excellent. Excellent.","start_word":7055,"end_word":7058,"sentiment":"positive","sentiment_score":0.3585759401321411},{"text":"Did you get a better rate? Yes. Yep. Beautiful. I know. I look at my mortgage rates these days and go, oh my god.","start_word":7059,"end_word":7082,"sentiment":"neutral","sentiment_score":-0.03035486117005348},{"text":"It's horrendous.","start_word":7083,"end_word":7084,"sentiment":"negative","sentiment_score":-0.3785150349140167},{"text":"Try to keep refinancing, but then it keeps going up again. It's one of those things, isn't it? So we're always gonna go up. That's it. The mortgage on the property, we had about 517,000. What do you owe on the property at the moment? Cost for the 600. 600. Beautiful. Yeah. And then You can do other with their assets clients. that's okay. Other assets, I had your car down as well with an asset value of 50,000. How would you value your car currently, Which do you think? which which which car is on file? I'm not gonna lie. It does actually say it just says car. Which Okay. car would you value that? Yeah. So I've got the brand new Kia Tasman now, and I value that at yeah. I'd still value that at about 65,000. 55?","start_word":7085,"end_word":7224,"sentiment":"neutral","sentiment_score":-0.00844800610627447},{"text":"Beautiful.","start_word":7225,"end_word":7225,"sentiment":"positive","sentiment_score":0.35647398233413696},{"text":"Yeah. And Yep. I've also That's it. in my in my name, I also got the yeah. I'm sorry. Another car. I'd value that at around 35,000. Yep.","start_word":7226,"end_word":7253,"sentiment":"neutral","sentiment_score":0.020584292709827423},{"text":"Beautiful. Fantastic.","start_word":7254,"end_word":7255,"sentiment":"positive","sentiment_score":0.5749760866165161},{"text":"Do you have loans on either of those vehicles? I have a loan on the Staria, the Kia That's I own a outright. high end. Yep.","start_word":7256,"end_word":7281,"sentiment":"neutral","sentiment_score":0.06909670680761337},{"text":"Beautiful.","start_word":7282,"end_word":7282,"sentiment":"positive","sentiment_score":0.4981415271759033},{"text":"I'll just update that for you. And how much do you have on the Hyundai? How much do you owe? Sorry. Around 40? 35. Yeah. About 35,000 a on 35. it. Yep.","start_word":7283,"end_word":7314,"sentiment":"neutral","sentiment_score":0.07126933336257935},{"text":"Beautiful. Excellent.","start_word":7315,"end_word":7316,"sentiment":"positive","sentiment_score":0.4930422902107239},{"text":"And any other assets you'd note down? Any other shares or assets of anything or any other valuables? No. Just the cars in the house. Yep. That's okay. Not a problem at all. Now I've confirmed that your beneficiary nominations are all in line and appropriate there. Wills and power of attorneys, have you spoken to your partner and your kids, and have you ever spoken to a solicitor about maybe getting a will or power of attorney No. and join But this that's visa. that's that's exactly what I need to do. Yep. I've I've been thinking about it for a long time, and people have told me, oh, yeah. You can just do the three wheel kits, but I don't know how that will work or anything. So yeah. Yep. I do need to get one put in place after what happened last week with this fellow with a friend, Yeah. coworker. Oh, He I'm so sorry. he had a trucker. It couldn't just the other side of the border in South Australia and died. So Oh, I'm so sorry.","start_word":7317,"end_word":7498,"sentiment":"neutral","sentiment_score":-0.02687512769473839},{"text":"No.","start_word":7499,"end_word":7499,"sentiment":"negative","sentiment_score":-0.35325464606285095},{"text":"That's alright. It it happened in a lot of work, unfortunately. Yeah. No. It's one of the things I am learning as I get older. I'm in my forties now, and it is a factor of life that, unfortunately, we end up to go into more funerals and things like that. But it's also, unfortunately, a factor of my job that we do have a lot of these conversations and kind of reiterating the importance of having a will and a power of attorney set up to make sure that your wishes are adhered to. A power of attorney, especially having an enduring power of attorney to, you know, make sure that you've got someone nominated to act on your behalf in the event that you can't is really important to do so. So I know will kits can be a little bit difficult as much as they are cheaper. Having a solicitor, obviously, is a the best option, but there are other options out there. So every state does have, like, a local trustee that can put you in contact with someone to do up a simple will fairly simply, and they are done by solicitors, and they are legal wills. If you wanted to, you're in Victoria. I could find the local one for you and email that information through if you like. Yes, please.","start_word":7500,"end_word":7726,"sentiment":"neutral","sentiment_score":-0.0533427819609642},{"text":"Yeah. Beautiful. Just so you've got a bit of information around who to contact, how it works, and then you can kinda go from there to make it a bit easier on you.","start_word":7727,"end_word":7759,"sentiment":"positive","sentiment_score":0.37294113636016846},{"text":"Yep.","start_word":7760,"end_word":7760,"sentiment":"neutral","sentiment_score":0.22280502319335935},{"text":"I would appreciate that.","start_word":7761,"end_word":7764,"sentiment":"positive","sentiment_score":0.350108802318573},{"text":"No. That's okay. Not a problem at all. I'll get that email drawn up for you. It's not a problem. When we're sort of looking at the advice moving forward, we originally had here that, realistically, you were hoping to retire around about the age 67. Now you are still really young. That's You have not a gonna lot of that's time not on gonna your happen. side. You reckon you'll be working longer?","start_word":7765,"end_word":7838,"sentiment":"neutral","sentiment_score":0.06093373149633408},{"text":"Oh, if my mom is still alive, I ain't gonna be working well into the eighties.","start_word":7839,"end_word":7854,"sentiment":"negative","sentiment_score":-0.3866983950138092},{"text":"Yep. For save goals wise, did you want me to work on 67? Because that is the age at the moment that you're able to access the age pension. Look. I'm the same age as you, so I hope we could still have the age pension. Yeah. I'd But I'd say work on the age of 70. yeah. Age of 70? Absolutely. Yeah.","start_word":7855,"end_word":7917,"sentiment":"neutral","sentiment_score":0.03165896609425545},{"text":"I can do that for you. Beautiful.","start_word":7918,"end_word":7924,"sentiment":"positive","sentiment_score":0.4536697566509247},{"text":"With the advice, I only factor in the next five to ten years currently, because, realistically, there's a lot of changes that could happen in your life in that time frame. But in the back end, we do kind of look a bit deeper and find out where we're sort of tracking longer term.","start_word":7925,"end_word":7978,"sentiment":"neutral","sentiment_score":0.11332101374864578},{"text":"That's absolutely fine.","start_word":7979,"end_word":7981,"sentiment":"positive","sentiment_score":0.35771381855010986},{"text":"We originally had here that you were hoping to draw about a thousand dollars a week income in retirement from your super. I know down the track that could absolutely change. That is in today's dollars, which could be needs to be a lot higher down the track. But do you still feel a thousand dollars would be, you know, what you'd hope to draw down income wise in today's dollars in the future? Oh, yeah? I'm talking to that. Yeah. Yeah. That's I don't okay. I don't I don't even remember sending that amount. Yeah. No. That's verified. That's okay. What you kinda tell us now just gives us a base for a goal on how we're sort of tracking forward. However, when you actually get to the years that you decide you wanna retire, we'll look a lot deeper at what you actually need to draw down, look at how we draw that down, whether we can incorporate Centrelink, and what other advice we provide to make sure it lasts as long as possible Yes. for you. Okay? At the moment, it's just giving us a base for a goal, and we know that can absolutely change due to so many factors down the track. Okay? Yep.","start_word":7982,"end_word":8190,"sentiment":"neutral","sentiment_score":0.015199252404272556},{"text":"Excellent. All good.","start_word":8191,"end_word":8193,"sentiment":"positive","sentiment_score":0.4604952037334442},{"text":"There just to kind of recap, so I'm gonna go back and review the super for you. Also, have a look at the underlying investments there. I'll check your risk profile shortly to make sure that everything is in line with that correctly. We're happy to retain the insurances at the moment, but I'll look at trying to get you some income protection to make sure it's paid for inside super. We're not looking at any new cover outside of super. Not looking at any additional contributions at the moment to kinda limit the expenses on your cash flow.","start_word":8194,"end_word":8292,"sentiment":"neutral","sentiment_score":0.1589478895519719},{"text":"And estate planning, we're just making sure that your will and power of attorney get done up in the future, and you're happy with your beneficiaries as they are.","start_word":8293,"end_word":8321,"sentiment":"positive","sentiment_score":0.4078461527824402},{"text":"Does that sound correct? Have I missed anything? Not that sounds right on point.","start_word":8322,"end_word":8335,"sentiment":"neutral","sentiment_score":0.06829754263162613},{"text":"Perfect.","start_word":8336,"end_word":8336,"sentiment":"positive","sentiment_score":0.6673625707626343},{"text":"Do you have any other goals that you're sort of looking to achieve down the track that you might, you know, be wanting us to sort of help with further down the track? Can be anything. Not really. That's okay. No. That's okay.","start_word":8337,"end_word":8379,"sentiment":"neutral","sentiment_score":0.21665316820144653},{"text":"All good.","start_word":8380,"end_word":8381,"sentiment":"positive","sentiment_score":0.4149199724197388},{"text":"Not a problem at all. And just sort of looking at your home loan, you're sort of are you hoping to have that paid off by the time you get to those retirement years? Is that kind of your goal with your home loan? I think that Tiggeron is gold, isn't it? It is. It is. It sometimes feels a lot harder than it seems, but absolutely Yeah. Yeah. Absolute absolutely. It is a realistic factor these days, though, that a lot more people are retiring with still a home loan. I know for yourself, you've got a bit longer ahead of you. You're only 42 this year. So, realistically, you've got time to pay that down. But there are a lot more retirees, especially baby boomers, who are retiring, who still have a mortgage, and I have to factor in that into their retirement income drawdowns, or they're using more of their super to pay that off as well. So it's not not as easy as it was about thirty odd years ago. We are finding it it is a lot different now. Yeah. Yeah. The last thing I wanna do really quickly is just your risk profile questionnaire. I have answered most of the questions for you. The main one I need to answer real really quickly is if you saw your super full by, say, 20% over the next one to two years due to what was happening generally in the market, how do you think you might react? Do you think you'd be wanting to put I more I money in, I take advantage? actually, I wouldn't even I wouldn't even know unless you you you guys told me. Yeah? Or I probably would tell you. I'm a little bit too honest, So I'd probably tell you in the end review if I'm Yeah. honest with you. But I I That's I said from the very beginning, I've got no idea about super. That's why you guys look after it because I yeah.","start_word":8382,"end_word":8718,"sentiment":"neutral","sentiment_score":-0.03133507544943062},{"text":"honestly don't care about it.","start_word":8719,"end_word":8723,"sentiment":"negative","sentiment_score":-0.36021173000335693},{"text":"I Yeah. just know Okay. it's there and and yeah. You guys Yeah. deal That's with it, and I leave it alone. yeah.","start_word":8724,"end_word":8746,"sentiment":"neutral","sentiment_score":-0.018359096720814705},{"text":"That's absolutely fine.","start_word":8747,"end_word":8749,"sentiment":"positive","sentiment_score":0.4035748839378357},{"text":"So I'll just tick the box and that you'd probably speak to us. Absolutely. Yep. When you think about your super I know it's not obviously the biggest priority for you at the moment, but when you think about your super, are you happy taking on more risk in the market to try and get those greater potential returns knowing there is a downside as well, or are you a little bit more nervous about the risk level that you're taking? I'll I'll go back to my previous payments. I got no idea about it, and I really don't care. I let you guys do what you think is best and what works. Yep.","start_word":8750,"end_word":8863,"sentiment":"neutral","sentiment_score":-0.047484077513217926},{"text":"That's absolutely fine. Not a problem at all. That's easy done.","start_word":8864,"end_word":8874,"sentiment":"positive","sentiment_score":0.4071689248085022},{"text":"So, look, realistically, at the moment, you are in that growth kind of environment there. For your age and stage, the growth portfolio does suit you. It does suit someone who's not gonna access super for the next six years. Given your age and stage, most people of yours and my age would be in that kind of environment there. You see 80% invested in those growth assets to try and get greater potential growth. So thinking Australian international shares, listed property, and some gold and silver here and there as well, and then Yep. still having some of those low risk defensive investments to kinda mitigate long term ups and downs. You can expect a negative return around about one in every five years is the expectation. And the growth portfolio, we wanna try and achieve around about seven to 9% on an average basis compounding forward. Do you like, Yes. realistically, you're in that kind of environment and you can stay in that environment. It suits your time horizon. You're not accessing super, you can wade through the down times before you're gonna draw anything out under legislation.","start_word":8875,"end_word":9064,"sentiment":"neutral","sentiment_score":0.07177436235360801},{"text":"I would be happy to keep you in that portfolio.","start_word":9065,"end_word":9074,"sentiment":"positive","sentiment_score":0.3742638230323791},{"text":"Do you feel like that is your comfort level? Does any of what I've just said concern you in any way? Not. No. Beautiful. Excellent. Does any of what I does all of that kinda make sense? Do you have any questions? Not a question. No?","start_word":9075,"end_word":9120,"sentiment":"neutral","sentiment_score":0.010085245594382286},{"text":"All good. Perfect.","start_word":9121,"end_word":9123,"sentiment":"positive","sentiment_score":0.38023021817207336},{"text":"Well, what I'll do is I'll go back and have a look at everything for you. I do need to book in a really quick pre assessment with one of my colleagues. Is there a day maybe this week or next week that would suit you in the afternoon or whatever time suits you to kinda go through a quick pre assessment with my team? We are we can do tomorrow. We can do Friday around the same time around 04:00. That's okay. Tomorrow, it does look we like, we are fully booked. I could do next Monday. And if if it's Monday, then Uh-huh. around 10:00 in the morning. Yep. Absolutely. We can do that. Not a problem at all. So 10AM, Monday for the pre assessment. Yep.","start_word":9124,"end_word":9252,"sentiment":"neutral","sentiment_score":0.09278234094381332},{"text":"Sounds good. Beautiful. Thank you so much for that, Christopher.","start_word":9253,"end_word":9262,"sentiment":"positive","sentiment_score":0.5789710879325867},{"text":"Once my team members have done that pre assessment with you, they'll your SOA presentation for a couple of weeks. And in the meantime, I'll go back and do that research just so we have those, you know, dates flagged for you so you know we are Yep. kinda coming back and not sort of missing on anything for you. Okay? Yeah.","start_word":9263,"end_word":9324,"sentiment":"neutral","sentiment_score":0.22762763500213623},{"text":"Good. Excellent. Thank you so much for that.","start_word":9325,"end_word":9332,"sentiment":"positive","sentiment_score":0.5610955357551575},{"text":"Now I have got the email there and sent that through with your ongoing service agreement. It does just have your ongoing service fee, which is 1.65% as it has been in the past. Because your balance is lower now, your ongoing service fee is expected to be lower. So for the year, we do expect the fee to be about $972.63, which is paid out of Hub twenty four. So if you're happy with staying on board, I'll just get you to sign and return that back for me, and I'll see what I can do about making you super work harder and, you know, getting you some insurances and seeing what we can do to help Sounds you out.","start_word":9333,"end_word":9453,"sentiment":"neutral","sentiment_score":0.22802063354775923},{"text":"Alright? sounds very good. Thank you so much for your time. I really appreciate it. I know you're at work, so I hope you have a good afternoon or a good evening, good night. Not a problem. You too. Thanks, Christopher. I'll talk to you soon. See you later. Right. Thank you.","start_word":9454,"end_word":9505,"sentiment":"positive","sentiment_score":0.5917564034461975},{"text":"Bye. Bye.","start_word":9506,"end_word":9507,"sentiment":"neutral","sentiment_score":0.27175843715667725}],"average":{"sentiment":"neutral","sentiment_score":0.05606064520437211}}}}