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I've got you booked in for a bit of an annual review. Now I'm gonna send a pack out to you, but just while I'm getting that organized, could I just confirm for security purpose your date of birth and address, ma'am? Sensation. And are you okay for the call to be recorded? Perfect. So I have that Craig for Nat one hot mail address. Now if I the document pack out to that email, will you be able to look onto it with me? K. Not a 100% necessary. I can walk you through what's coming here if you find it difficult, you know, trying to be on the phone and look at an email at the same time. What's your difference? No. That's totally fair. I've got mine, and that should be enough for the both of us. Now in particular so I did a bit of a push up with Nat, and she did raise a couple of things with me just in terms of some updates to assets and liabilities. And so potentially a bit of a chat around an earlier retire for yourself. Does ring a bell? Does that make sense? Potentially. So there's there's three different ways to approach your retirement. And so I want to kind of just do a bit of a deep dive with you today on those options and see what might be possible. Now before I jump into that, I've sent that pack out just so you've got it. Just let's know what's in there. So there's some updated and performance for the super, certificate for the insurances, an update service guide with us just with life info, updated fee structures, and so on, as well as a couple of sort of items. There's a consent form for the services, but also a bit of a tax number opt in and just a quick ping to the government on a lost super search as well. Now the thing when it comes to kind of tying in retirement discussions is I just need to factor in a bit around the other cash flow and debt management goal you guys have. And there was a chat we had about finishing off the mortgage repayment and also potentially buying an invest property. Is that sort of, like, the main focus for you guys, or what would you say? Yeah. They they put in some changes effective August 10 to ban the super to borrow to buy a direct property these days. So it really comes down to, like, paying off the mortgage first, paying up the super. If you can buy a property in your own name, great. If not, you know, do you your funds out of your retirement at buying one at the end of the day when you're 65 or something like that? If you're not these days. But yeah. So the main thing would be focusing on the personal assets first. And I'm just gonna put down as, like, your main priority for the goal, which is just paying off the mortgage. And before I jump in options for you, I'm just gonna double check these details. Let me know if this sounds correct. So we have you guys married with two children. Your truck driving still forward, j's waste disposal, j Richards and Sons. We've got we have had, obviously, tax seasons just come around. Ink was previously listed as 73,000. Do you have a bit of an update from the tax return this year? Yep. No. That's fair. I can keep it 73 for now. It just affects, obviously, project and things like that because of the contributions from work. So we started with, like, eight fifty five. What I was basically gonna say to that preservation age is 60 is the earliest and just kind of gave you what we'd be aiming for as a target. Yeah. So I've got some good information up in front of me just in terms of, like, government retirement stand with ASSA, and this is pretty good starting point. So when I look at what they suggest, we had your previous goal that your option would be aimed, let's say, mortgage paid off with a thousand dollars a week plus from that as well, and that's after tax tax free. Now when it comes to the ask for retirement standards with government there, they do suggest about 78 combined for a couple. It kinda tracks to a similar similar outcome. You know, a thousand dollars a week from yours, $20 from hers, and it kind of adds up with the mortgage paid off is kind of no. So when it comes to retirement, the easiest way to think of it is, let's say, you've got a million dollars for this. You then put it into a pension account. When you're retired, you've got quite conservative with the risk of what you're investing in because you don't wanna be high risk because half is too because the stock market crashes. Now when you've got it in the conservative option, they usually aim for a four to 5% return. So I there and say, okay. If I've got a million dollars and I get a 5% return, that's from $50,000 a year, and the money won't go down. Now if we go to a 10% withdrawal, so let's say you have 500,000 and pull out that $50 a year, it will slowly go down over time, and it will probably last around about twenty, twenty five years, which still carry you through to late eighties, early nineties. K? Now you guys are they combined currently at 575,000. So it's not that unattainable, especially on seven to ten year time. And if I work back as per standard, we're basically saying that combined if you guys can get to $7.85, that's all your minimum. 1.5 is your your ideal situation that you'll never have to worry about again. K. So not too far off. And it means that when you hit 6 or 62 that you can either go part time and fund the bidding super to top you up a bit or just hang up the boots completely and just know that the super will go down for a bit until that's kicked in. Neither one sounds that bad to me from what I can see where you are in a position. And the thing too is that means so when it comes to risk levels, so you're in a growth portfolio at the moment. And generally speaking, you want eight or nine years to be in a growth risk profile to to make sure you can get the returns with the market going up and down. If we you up to high growth, and let's say we got your your shares and your property from 80% of your super to 9%, you're like like a solid date realistically because the market will once per ten years, and you need to have ten years to get the return average that you're on for. Now Yeah. So yeah. That's what I'm sort of thinking about. Because let's say I put you in a high tomorrow, and we had another global financial crisis in 2000 '9. Sitting at 456,000, you could very well wait in twelve months' time, and it's two hundred ninety thousand. And then you've gotta wait eight years for it to build back up to $56,000 again. K? Now the alternative is, what are you you're decently on track for that goal as it is, then what we really need to do is maintain that growth risk profile that you've got. Maybe a little bit of engine because there's a of options in your portfolio I'm thinking of updating. And at the if you put in $50 a week at some point or something like that, that might just give you that extra little boost that you need to make sure it's Does that sound a bit more now mortgage is obviously a big priority too, so that counts as well. So if I was to do that, point number one, I do wanna update the portfolio to make sure the return the point number two is we could start with a bit of a, you know, $50 a week to see how you and readjust it as we need to because you can turn it off if if things get you can turn it off work pretty quick. So up to you if you want me to kind of add into a strategy document see the difference that make and if you wanna give that a go for a year and and see how we Yep. Cool. So what I'll do, I'm gonna do a very, very rough projection for you. I'll give you a full in the document that I put together, but this just gives you an idea of what it might do. Here we go. Cool. So if you got 456,000 in there at the moment, and let's say you're on $73 and worked in usual 12% contributions, I'll chop off a bit of super tax that they do. And we got about $7.5 goes in. And let's see over the next ten years at the average, like 9% return for your growth that's pretty conservative. Still possibly be able to get close to $8,900 $1,000,000 because this is that period, this last ten we keep up such a big base. If I get you, say, a 10% return next year, well, that's $50,000. So you can see it gets very quick up there, but then at the same time, we have to reduce this down because every couple of years, we don't wanna be risking that big chunk take off of it. Yeah. Yeah. In terms of risk level, definitely. I don't think I'd be increasing a risk level at this point. I want that to go for salary sacrifice and maybe adjust it, but just make sure that based on the you guys go with mortgage, how you go with that, whether we have to stop it, increase it, we can adjust that as well. And then, yeah, like, realistically, we start those amounts. One thing I wanna give you in terms of expectations because you're gonna have to, unfortunately, live through this transition that's going on with the AIs and the wars, anything like that right before your retirement, and you did just say it was a concern. So this is very realistic possibility that's pretty much where to happen is that sometime between now and '60, stock is gonna have to complete cash like it did 2009, 2020, and so on. And do factor that in. So in the good years, you get a ten, fifteen, 20% return per year. And then the bad years, it may actually go down 20 to 5%, even more if it's a big crash, which is why I don't wanna go any higher than what you've currently got. But let's see what happens next year. You may then have a solid seven year growth after your contributions and your salary sacrifice. And before you know it, what could happen is you go four fifty to three seventy, and then in a couple of years' time, $7,800,000 and pretty much call it quits, protect it, position you into retirement. So just bear in mind that, like, I can't I'm the market. I don't know when it's gonna happen. I do just know that every five to ten years, it does happen. We use it as a of a buying opportunity. But then we sorry. Go. Yeah. Yeah. So there's a couple of options. So we aren't throughout the year kind of as I I watch the stock market daily, the things happen when they they crash quite quickly, and we need to be able to get you to sign off documents to change things. And then by the time that happens, it's already bouncing back up again. So we try and around with going to or anything like that. What we do do is a couple of things. So if we do a review and the market's jumped up quite a bit for the year, we can then away, start reducing saying, we're going above what we wanted to earn. Now is the time to take some profit table in preparation for the next dip and vice versa when the market drops. So it is something to look at closely every three, six, nine, twelve months and if we adjust things, we we do those those adjustments then. The other one that we can do, and I'll look at this for you as well, is we have a portfolio called an SMA, a fully managed account, where basically we can put a bubble in your portfolio and move it to like a fee menu. What it basically means is that we have more access to change bad funds with good funds throughout the year. So if the fund manager completely wiped out or they're just doing a horrendous job, we can have a have changed to a better manager. We wouldn't sell it to cash and and, you know, time the market, but we can recognize when someone's doing bad enough, they need to be replaced. So if you okay to consider that, what I'll basically do is wanna compare your current portfolio with update of a couple of that I was thinking and then also that SMA structure, and then you and I can have out about which one go through. Okay? And I'll add in a bit of objection for the sorry, sacrifice so you can see what that does. Cool. Now Yeah. Well, we had the COVID one was pretty fun, and sometimes three years and sometimes it's fine, and you can't really tell when. And the thing is you don't wanna be sitting there not in this thing, getting any of returns, and then just waiting for something to happen that doesn't happen for another ten years. But the two things that we do do is, like I said, every review, we're gonna see how the market and what we need to adjust. And at the same time, when we build our portfolio, the investment committee, we do look at things like how the world's going to AI. So let's get a little bit of exposure to those companies, tech stocks, and things like that, but not so much that if that turns into a bubble and explode that your super gets backed out. So we do use the buzzword of diversification, and that's when you see those reports you send through the review pack, you've got eight different investment options because we're trying to spread you to different countries, different sectors to at least minimize the risk that if one big shock comes in one area, that affects yours disproportionately. And I do take it very seriously because at the end of the day, the last years is so important because whatever happens in the next decade, that's the life that you have afterwards to on. Yep. You basically need to get the returns to get you those last few $100, and then you need to sell it and then protect it before it crashes. Not too early not to so that's why the reviews in the last ten years are so important. And we not serious discussions, but you know what I mean? We're gonna be it's not like you're thirty five years of stuff like, oh, yeah. That and forget it. Okay. Mhmm. Yep. Yeah. One last thing last year. I do have to quickly touch on the insurance policy as well. But in terms of the risk level, if I can project that you're still gonna be on track for retirement comfortably, do you want me to look at pumping it down slightly to if you're at a four out of five, maybe, like, a 3.5 or something like just to take a bit off the table now. Yeah. I'll consider that because, again, even then, balance profiles, three out of five not as safe as people think they are. I'm not trying to scare you, but I'm just saying, like, I know what happens to the profile across the industry when these events happen, and I don't want to be shocked by it. There will be a year where there's a big taken off, and we need to get it up. But I if I can get you there with the least necessary, that might be better for you. Awesome. Alright. So I'll I'll have a look at that one. Different portfolios, slight risk adjustment, and the and we'll see how that looks. And, again, you get to sign off and and make sure you're comfortable with what we're doing. Outside of that, so the other thing I wanted to just quickly touch on was just in terms of estate planning, and that's listed to receive the super and the insurance is beneficial. I'm assuming you're still okay for that. Cool. And did you guys send a like a will put in place at some point? Here's the annual reminder for that one. Awesome. And then just quickly on the ins because there was a couple of things here. I'll try and keep this as straightforward as possible. You have a MetLife policy, and that includes life insurance with disability. So if you away or can never work again, there's a lump sum of around $3.32, 226,000. That'll sort of pop off, and it'll pay off the We previous had it $3.04, so it was kind of trying to pay off the mortgage. Now those two combined, they're only $1,500 a year out of the it gets a percent tax rebate, which drops it a bit lower as well. You do have protection. Now the protection is oh, it's about just under 2,000 a year, so that's also not crazy in terms of premium. All of these will jump up quite a bit, though, through the fifties. Point where before you know it, at 58, you might be paying $78,000. So I need to keep a lid on premiums. It makes sense for cost and fees. Now you have waiting period of days. So if you're out of work for a few months, it'll kick in $4,000 a month for up to two years just to kind of get you guys by on the repayments and and whatnot. But was it so there was a ninety day waiting period, and I know that they posed a question about what cost would be to reduce that down to thirty days. I do I do actually still in date. So let me just quickly look at that. And I, yeah, I'm going to broach this with you as well. So I have opened the alteration quote. Right. So now bear in mind when it comes to from the contributions, like, I I need to factor that into the projections as well. Not sure it's backwards on the fees. We've got total gross of 3,600. And to bump it to a thirty day waiting period, 5,100 for the rebate. So it's an extra $48 a year. I know you guys have the draw there. It's about a 100 range in to try and if you needed to. Okay. Yeah. Like, it's not too bad for and it can be like, yeah, it's not gonna hurt the super too much for twelve months, but I know in three years' time when the next $3 coming out for all of it, it's just gonna slow things down considerably. Yeah. For life insurance, $2.70 6 for disability. Normally, I'd say yes. The but, realistically, $3.82 and let's say I chopped it in half to kind of line up with the mortgage, which I think was sitting at $1.80 ish. You're gonna be dollar premium to $3.50. So if you want going, it'll make a small difference, but, like, it's not gonna offset increases that happen income protection over the next few years. But the good news is even so, like before, still tracking well for the retirement goals. Like, we can afford to take a little less risk put extra contributions in. You're still gonna hit it. I'll keep an eye on the poll with you every year as well as what's up for the markets. But I just wanted to at least double check these since we did get Yep. K. Cool. So what I'll do is when you get a chance that annual review is out to you guys on that email address, It does include the certificate of currency down each covers. So that way you guys can have a bit of a chat about it. It'll give you more of a visual to see if they're looking at. Cool. Oh, one thing I'm gonna do as well is just in terms of services with So just with all of the changes that, you know, electricity costs went up and the on crate, the rest of it, We have changed our fee structure into a bit of a period fee structure and raise the prices slightly as well. But for you guys, we on that couple's fee discount. Sevian Bart are gonna grandfather that for two months and keep you guys on the discounted rate of the 1.1%. So that way, it's it's kept there for a little while, and then we can talk in twelve months about any and if it's still okay for you guys, if you still feel there's value. So we charge 1.65% and couples at 1.1. What we've done tiered structure is everyone above 200,000 gets a disc everyone above 500 gets a discount as well, but that first 200 is back to 1.6 5. So I've got a little bit of a calculator there, and I know that as you guys increase in balance, it's gonna be really helpful. You'll actually be in a better position. But for that year or two, it'll will slight increase cost. I'll keep it one point one for the yeah. Yeah. And that's why the reviews are important too because, you know, we need your consent every year to advisers, and we wanna make sure you're feeling like you're getting the value for it for the money that we're charging. And just in this circumstance, because the way the world's gone, the guys haven't increased the fees for years, and at some point, we just had to to review it a little bit. But, again, like I said, for twelve months, and when it comes to that time, probably won't be too much of an impact. Yeah. Tell me. Yeah. Yeah. It's still hit. Let me have a look at one because it it's been so volatile that it changes when they update the prices for the day 03/04. Let me have a look at today's one. I'll just before it looks good. Yeah. Market dropped pretty pretty badly in March, but you're still clear percent off these. The long term's still double digits, which is good. Again, like I said, there's a couple of options in there that have underperformed just in terms of fund managers being a bit weird property market since those changes were announced with legislation. So I'm just gonna look reviewing a couple of those, get it bumped up a little bit, and I may even get a slight higher with the lower risk is what I'm aiming for. The trifecta. Yeah. Absolutely. So I'll leave that with you guys. You please have a look at it with Nat. Sign off if you're comfortable with it. And in about two weeks' time, Michelle will give you a call to to book in, run through the update strategies with all the actions and alternatives in there. And Mhmm. Any questions you've we can go through that then as well. Yeah. Because what I'm thinking is if you can like, you were saying, look, we sacrifice $2 a week. That's $2.5 going in. If we save $300 in premium, it's not gonna get you $100 in retirement or anything like that. Amazing. Great. Thank you so much for your time. I really appreciate diving into all corners of all uncomfortable conversations with me. But I do appreciate you letting me take the time to to look at with you, and I will do my absolute best to get you in something you're comfortable with. Yeah. These days, people don't wanna get the New York flat anymore and live over like, just have the house I don't have to worry anymore. Alright, mate. Leave it with me, and I'll talk to you in a couple of weeks. Thanks. 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day, Craig. It's Tommy Financial Mate senior How are you doing today? I'm living the dream. It's a beautiful day on the go about your end. Cool.\n\nI've got you booked in for a bit of an annual review. Now I'm gonna send a pack out to you, but just while I'm getting that organized, could I just confirm for security purpose your date of birth and address, ma'am? Sensation. And are you okay for the call to be recorded? Perfect.\n\nSo I have that Craig for Nat one hot mail address. Now if I the document pack out to that email, will you be able to look onto it with me? K. Not a 100% necessary. I can walk you through what's coming here if you find it difficult, you know, trying to be on the phone and look at an email at the same time.\n\nWhat's your difference? No. That's totally fair. I've got mine, and that should be enough for the both of us. Now in particular so I did a bit of a push up with Nat, and she did raise a couple of things with me just in terms of some updates to assets and liabilities.\n\nAnd so potentially a bit of a chat around an earlier retire for yourself. Does ring a bell? Does that make sense? Potentially. So there's there's three different ways to approach your retirement.\n\nAnd so I want to kind of just do a bit of a deep dive with you today on those options and see what might be possible. Now before I jump into that, I've sent that pack out just so you've got it. Just let's know what's in there. So there's some updated and performance for the super, certificate for the insurances, an update service guide with us just with life info, updated fee structures, and so on, as well as a couple of sort of items. There's a consent form for the services, but also a bit of a tax number opt in and just a quick ping to the government on a lost super search as well.\n\nNow the thing when it comes to kind of tying in retirement discussions is I just need to factor in a bit around the other cash flow and debt management goal you guys have. And there was a chat we had about finishing off the mortgage repayment and also potentially buying an invest property. Is that sort of, like, the main focus for you guys, or what would you say? Yeah. They they put in some changes effective August 10 to ban the super to borrow to buy a direct property these days.\n\nSo it really comes down to, like, paying off the mortgage first, paying up the super. If you can buy a property in your own name, great. If not, you know, do you your funds out of your retirement at buying one at the end of the day when you're 65 or something like that? If you're not these days. But yeah.\n\nSo the main thing would be focusing on the personal assets first. And I'm just gonna put down as, like, your main priority for the goal, which is just paying off the mortgage. And before I jump in options for you, I'm just gonna double check these details. Let me know if this sounds correct. So we have you guys married with two children.\n\nYour truck driving still forward, j's waste disposal, j Richards and Sons. We've got we have had, obviously, tax seasons just come around. Ink was previously listed as 73,000. Do you have a bit of an update from the tax return this year? Yep.\n\nNo. That's fair. I can keep it 73 for now. It just affects, obviously, project and things like that because of the contributions from work. So we started with, like, eight fifty five.\n\nWhat I was basically gonna say to that preservation age is 60 is the earliest and just kind of gave you what we'd be aiming for as a target. Yeah. So I've got some good information up in front of me just in terms of, like, government retirement stand with ASSA, and this is pretty good starting point. So when I look at what they suggest, we had your previous goal that your option would be aimed, let's say, mortgage paid off with a thousand dollars a week plus from that as well, and that's after tax tax free. Now when it comes to the ask for retirement standards with government there, they do suggest about 78 combined for a couple.\n\nIt kinda tracks to a similar similar outcome. You know, a thousand dollars a week from yours, $20 from hers, and it kind of adds up with the mortgage paid off is kind of no. So when it comes to retirement, the easiest way to think of it is, let's say, you've got a million dollars for this. You then put it into a pension account. When you're retired, you've got quite conservative with the risk of what you're investing in because you don't wanna be high risk because half is too because the stock market crashes.\n\nNow when you've got it in the conservative option, they usually aim for a four to 5% return. So I there and say, okay. If I've got a million dollars and I get a 5% return, that's from $50,000 a year, and the money won't go down. Now if we go to a 10% withdrawal, so let's say you have 500,000 and pull out that $50 a year, it will slowly go down over time, and it will probably last around about twenty, twenty five years, which still carry you through to late eighties, early nineties. K?\n\nNow you guys are they combined currently at 575,000. So it's not that unattainable, especially on seven to ten year time. And if I work back as per standard, we're basically saying that combined if you guys can get to $7.85, that's all your minimum. 1.5 is your your ideal situation that you'll never have to worry about again. K.\n\nSo not too far off. And it means that when you hit 6 or 62 that you can either go part time and fund the bidding super to top you up a bit or just hang up the boots completely and just know that the super will go down for a bit until that's kicked in. Neither one sounds that bad to me from what I can see where you are in a position. And the thing too is that means so when it comes to risk levels, so you're in a growth portfolio at the moment. And generally speaking, you want eight or nine years to be in a growth risk profile to to make sure you can get the returns with the market going up and down.\n\nIf we you up to high growth, and let's say we got your your shares and your property from 80% of your super to 9%, you're like like a solid date realistically because the market will once per ten years, and you need to have ten years to get the return average that you're on for. Now Yeah. So yeah. That's what I'm sort of thinking about. Because let's say I put you in a high tomorrow, and we had another global financial crisis in 2000 '9.\n\nSitting at 456,000, you could very well wait in twelve months' time, and it's two hundred ninety thousand. And then you've gotta wait eight years for it to build back up to $56,000 again. K? Now the alternative is, what are you you're decently on track for that goal as it is, then what we really need to do is maintain that growth risk profile that you've got. Maybe a little bit of engine because there's a of options in your portfolio I'm thinking of updating.\n\nAnd at the if you put in $50 a week at some point or something like that, that might just give you that extra little boost that you need to make sure it's Does that sound a bit more now mortgage is obviously a big priority too, so that counts as well. So if I was to do that, point number one, I do wanna update the portfolio to make sure the return the point number two is we could start with a bit of a, you know, $50 a week to see how you and readjust it as we need to because you can turn it off if if things get you can turn it off work pretty quick. So up to you if you want me to kind of add into a strategy document see the difference that make and if you wanna give that a go for a year and and see how we Yep. Cool. So what I'll do, I'm gonna do a very, very rough projection for you.\n\nI'll give you a full in the document that I put together, but this just gives you an idea of what it might do. Here we go. Cool. So if you got 456,000 in there at the moment, and let's say you're on $73 and worked in usual 12% contributions, I'll chop off a bit of super tax that they do. And we got about $7.5 goes in.\n\nAnd let's see over the next ten years at the average, like 9% return for your growth that's pretty conservative. Still possibly be able to get close to $8,900 $1,000,000 because this is that period, this last ten we keep up such a big base. If I get you, say, a 10% return next year, well, that's $50,000. So you can see it gets very quick up there, but then at the same time, we have to reduce this down because every couple of years, we don't wanna be risking that big chunk take off of it. Yeah.\n\nYeah. In terms of risk level, definitely. I don't think I'd be increasing a risk level at this point. I want that to go for salary sacrifice and maybe adjust it, but just make sure that based on the you guys go with mortgage, how you go with that, whether we have to stop it, increase it, we can adjust that as well. And then, yeah, like, realistically, we start those amounts.\n\nOne thing I wanna give you in terms of expectations because you're gonna have to, unfortunately, live through this transition that's going on with the AIs and the wars, anything like that right before your retirement, and you did just say it was a concern. So this is very realistic possibility that's pretty much where to happen is that sometime between now and '60, stock is gonna have to complete cash like it did 2009, 2020, and so on. And do factor that in. So in the good years, you get a ten, fifteen, 20% return per year. And then the bad years, it may actually go down 20 to 5%, even more if it's a big crash, which is why I don't wanna go any higher than what you've currently got.\n\nBut let's see what happens next year. You may then have a solid seven year growth after your contributions and your salary sacrifice. And before you know it, what could happen is you go four fifty to three seventy, and then in a couple of years' time, $7,800,000 and pretty much call it quits, protect it, position you into retirement. So just bear in mind that, like, I can't I'm the market. I don't know when it's gonna happen.\n\nI do just know that every five to ten years, it does happen. We use it as a of a buying opportunity. But then we sorry. Go. Yeah.\n\nYeah. So there's a couple of options. So we aren't throughout the year kind of as I I watch the stock market daily, the things happen when they they crash quite quickly, and we need to be able to get you to sign off documents to change things. And then by the time that happens, it's already bouncing back up again. So we try and around with going to or anything like that.\n\nWhat we do do is a couple of things. So if we do a review and the market's jumped up quite a bit for the year, we can then away, start reducing saying, we're going above what we wanted to earn. Now is the time to take some profit table in preparation for the next dip and vice versa when the market drops. So it is something to look at closely every three, six, nine, twelve months and if we adjust things, we we do those those adjustments then. The other one that we can do, and I'll look at this for you as well, is we have a portfolio called an SMA, a fully managed account, where basically we can put a bubble in your portfolio and move it to like a fee menu.\n\nWhat it basically means is that we have more access to change bad funds with good funds throughout the year. So if the fund manager completely wiped out or they're just doing a horrendous job, we can have a have changed to a better manager. We wouldn't sell it to cash and and, you know, time the market, but we can recognize when someone's doing bad enough, they need to be replaced. So if you okay to consider that, what I'll basically do is wanna compare your current portfolio with update of a couple of that I was thinking and then also that SMA structure, and then you and I can have out about which one go through. Okay?\n\nAnd I'll add in a bit of objection for the sorry, sacrifice so you can see what that does. Cool. Now Yeah. Well, we had the COVID one was pretty fun, and sometimes three years and sometimes it's fine, and you can't really tell when. And the thing is you don't wanna be sitting there not in this thing, getting any of returns, and then just waiting for something to happen that doesn't happen for another ten years.\n\nBut the two things that we do do is, like I said, every review, we're gonna see how the market and what we need to adjust. And at the same time, when we build our portfolio, the investment committee, we do look at things like how the world's going to AI. So let's get a little bit of exposure to those companies, tech stocks, and things like that, but not so much that if that turns into a bubble and explode that your super gets backed out. So we do use the buzzword of diversification, and that's when you see those reports you send through the review pack, you've got eight different investment options because we're trying to spread you to different countries, different sectors to at least minimize the risk that if one big shock comes in one area, that affects yours disproportionately. And I do take it very seriously because at the end of the day, the last years is so important because whatever happens in the next decade, that's the life that you have afterwards to on.\n\nYep. You basically need to get the returns to get you those last few $100, and then you need to sell it and then protect it before it crashes. Not too early not to so that's why the reviews in the last ten years are so important. And we not serious discussions, but you know what I mean? We're gonna be it's not like you're thirty five years of stuff like, oh, yeah.\n\nThat and forget it. Okay. Mhmm. Yep. Yeah.\n\nOne last thing last year. I do have to quickly touch on the insurance policy as well. But in terms of the risk level, if I can project that you're still gonna be on track for retirement comfortably, do you want me to look at pumping it down slightly to if you're at a four out of five, maybe, like, a 3.5 or something like just to take a bit off the table now. Yeah. I'll consider that because, again, even then, balance profiles, three out of five not as safe as people think they are.\n\nI'm not trying to scare you, but I'm just saying, like, I know what happens to the profile across the industry when these events happen, and I don't want to be shocked by it. There will be a year where there's a big taken off, and we need to get it up. But I if I can get you there with the least necessary, that might be better for you. Awesome. Alright.\n\nSo I'll I'll have a look at that one. Different portfolios, slight risk adjustment, and the and we'll see how that looks. And, again, you get to sign off and and make sure you're comfortable with what we're doing. Outside of that, so the other thing I wanted to just quickly touch on was just in terms of estate planning, and that's listed to receive the super and the insurance is beneficial. I'm assuming you're still okay for that.\n\nCool. And did you guys send a like a will put in place at some point? Here's the annual reminder for that one. Awesome. And then just quickly on the ins because there was a couple of things here.\n\nI'll try and keep this as straightforward as possible. You have a MetLife policy, and that includes life insurance with disability. So if you away or can never work again, there's a lump sum of around $3.32, 226,000. That'll sort of pop off, and it'll pay off the We previous had it $3.04, so it was kind of trying to pay off the mortgage. Now those two combined, they're only $1,500 a year out of the it gets a percent tax rebate, which drops it a bit lower as well.\n\nYou do have protection. Now the protection is oh, it's about just under 2,000 a year, so that's also not crazy in terms of premium. All of these will jump up quite a bit, though, through the fifties. Point where before you know it, at 58, you might be paying $78,000. So I need to keep a lid on premiums.\n\nIt makes sense for cost and fees. Now you have waiting period of days. So if you're out of work for a few months, it'll kick in $4,000 a month for up to two years just to kind of get you guys by on the repayments and and whatnot. But was it so there was a ninety day waiting period, and I know that they posed a question about what cost would be to reduce that down to thirty days. I do I do actually still in date.\n\nSo let me just quickly look at that. And I, yeah, I'm going to broach this with you as well. So I have opened the alteration quote. Right. So now bear in mind when it comes to from the contributions, like, I I need to factor that into the projections as well.\n\nNot sure it's backwards on the fees. We've got total gross of 3,600. And to bump it to a thirty day waiting period, 5,100 for the rebate. So it's an extra $48 a year. I know you guys have the draw there.\n\nIt's about a 100 range in to try and if you needed to. Okay. Yeah. Like, it's not too bad for and it can be like, yeah, it's not gonna hurt the super too much for twelve months, but I know in three years' time when the next $3 coming out for all of it, it's just gonna slow things down considerably. Yeah.\n\nFor life insurance, $2.70 6 for disability. Normally, I'd say yes. The but, realistically, $3.82 and let's say I chopped it in half to kind of line up with the mortgage, which I think was sitting at $1.80 ish. You're gonna be dollar premium to $3.50. So if you want going, it'll make a small difference, but, like, it's not gonna offset increases that happen income protection over the next few years.\n\nBut the good news is even so, like before, still tracking well for the retirement goals. Like, we can afford to take a little less risk put extra contributions in. You're still gonna hit it. I'll keep an eye on the poll with you every year as well as what's up for the markets. But I just wanted to at least double check these since we did get Yep.\n\nK. Cool. So what I'll do is when you get a chance that annual review is out to you guys on that email address, It does include the certificate of currency down each covers. So that way you guys can have a bit of a chat about it. It'll give you more of a visual to see if they're looking at.\n\nCool. Oh, one thing I'm gonna do as well is just in terms of services with So just with all of the changes that, you know, electricity costs went up and the on crate, the rest of it, We have changed our fee structure into a bit of a period fee structure and raise the prices slightly as well. But for you guys, we on that couple's fee discount. Sevian Bart are gonna grandfather that for two months and keep you guys on the discounted rate of the 1.1%. So that way, it's it's kept there for a little while, and then we can talk in twelve months about any and if it's still okay for you guys, if you still feel there's value.\n\nSo we charge 1.65% and couples at 1.1. What we've done tiered structure is everyone above 200,000 gets a disc everyone above 500 gets a discount as well, but that first 200 is back to 1.6 5. So I've got a little bit of a calculator there, and I know that as you guys increase in balance, it's gonna be really helpful. You'll actually be in a better position. But for that year or two, it'll will slight increase cost.\n\nI'll keep it one point one for the yeah. Yeah. And that's why the reviews are important too because, you know, we need your consent every year to advisers, and we wanna make sure you're feeling like you're getting the value for it for the money that we're charging. And just in this circumstance, because the way the world's gone, the guys haven't increased the fees for years, and at some point, we just had to to review it a little bit. But, again, like I said, for twelve months, and when it comes to that time, probably won't be too much of an impact.\n\nYeah. Tell me. Yeah. Yeah. It's still hit.\n\nLet me have a look at one because it it's been so volatile that it changes when they update the prices for the day 03/04. Let me have a look at today's one. I'll just before it looks good. Yeah. Market dropped pretty pretty badly in March, but you're still clear percent off these.\n\nThe long term's still double digits, which is good. Again, like I said, there's a couple of options in there that have underperformed just in terms of fund managers being a bit weird property market since those changes were announced with legislation. So I'm just gonna look reviewing a couple of those, get it bumped up a little bit, and I may even get a slight higher with the lower risk is what I'm aiming for. The trifecta. Yeah.\n\nAbsolutely. So I'll leave that with you guys. You please have a look at it with Nat. Sign off if you're comfortable with it. And in about two weeks' time, Michelle will give you a call to to book in, run through the update strategies with all the actions and alternatives in there.\n\nAnd Mhmm. Any questions you've we can go through that then as well. Yeah. Because what I'm thinking is if you can like, you were saying, look, we sacrifice $2 a week. That's $2.5 going in.\n\nIf we save $300 in premium, it's not gonna get you $100 in retirement or anything like that. Amazing. Great. Thank you so much for your time. I really appreciate diving into all corners of all uncomfortable conversations with me.\n\nBut I do appreciate you letting me take the time to to look at with you, and I will do my absolute best to get you in something you're comfortable with. Yeah. These days, people don't wanna get the New York flat anymore and live over like, just have the house I don't have to worry anymore. Alright, mate. Leave it with me, and I'll talk to you in a couple of weeks.\n\nThanks. See you later.","paragraphs":[{"sentences":[{"text":"Good day, Craig.","start":2.96,"end":3.6799998,"sentiment":"positive","sentiment_score":0.40912466247876483},{"text":"It's Tommy Financial Mate senior How are you doing today?","start":3.6799998,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.253086556494236},{"text":"I'm living the dream.","start":9.04,"end":10.0,"sentiment":"positive","sentiment_score":0.8014465570449829},{"text":"It's a beautiful day on the go about your end.","start":10.0,"end":12.58,"sentiment":"positive","sentiment_score":0.8652498960494995},{"text":"Cool.","start":15.525,"end":15.925,"sentiment":"positive","sentiment_score":0.4868478775024414}],"sentiment":"positive","sentiment_score":0.5751204506627151,"num_words":28,"start":2.96,"end":15.925},{"sentences":[{"text":"I've got you booked in for a bit of an annual review.","start":15.925,"end":18.665,"sentiment":"neutral","sentiment_score":0.27880267550547916},{"text":"Now I'm gonna send a pack out to you, but just while I'm getting that organized, could I just confirm for security purpose your date of birth and address, ma'am?","start":19.685,"end":28.64,"sentiment":"neutral","sentiment_score":0.09700786819060643},{"text":"Sensation.","start":34.94,"end":35.44,"sentiment":"neutral","sentiment_score":0.019596729427576065},{"text":"And are you okay for the call to be recorded?","start":36.14,"end":38.16,"sentiment":"neutral","sentiment_score":0.01730849016457796},{"text":"Perfect.","start":40.855,"end":41.255,"sentiment":"positive","sentiment_score":0.4909350275993347}],"sentiment":"neutral","sentiment_score":0.12850897797141914,"num_words":54,"start":15.925,"end":41.255},{"sentences":[{"text":"So I have that Craig for Nat one hot mail address.","start":41.255,"end":46.955,"sentiment":"neutral","sentiment_score":0.14285349642688577},{"text":"Now if I the document pack out to that email, will you be able to look onto it with me?","start":47.095,"end":52.65,"sentiment":"neutral","sentiment_score":0.07486077919602394},{"text":"K.","start":56.33,"end":56.730003,"sentiment":"neutral","sentiment_score":-0.0059329550713300705},{"text":"Not a 100% necessary.","start":56.730003,"end":58.170002,"sentiment":"neutral","sentiment_score":-0.10493390262126923},{"text":"I can walk you through what's coming here if you find it difficult, you know, trying to be on the phone and look at an email at the same time.","start":58.170002,"end":65.770004,"sentiment":"neutral","sentiment_score":-0.060044588334858415}],"sentiment":"neutral","sentiment_score":0.012751482257788832,"num_words":66,"start":41.255,"end":65.770004},{"sentences":[{"text":"What's your difference?","start":65.770004,"end":66.75,"sentiment":"neutral","sentiment_score":-0.026753395795822144},{"text":"No.","start":73.575,"end":73.895,"sentiment":"neutral","sentiment_score":-0.20335936546325684},{"text":"That's totally fair.","start":73.895,"end":74.695,"sentiment":"neutral","sentiment_score":-0.1430443823337555},{"text":"I've got mine, and that should be enough for the both of us.","start":74.695,"end":77.355,"sentiment":"neutral","sentiment_score":-0.005447605481514564},{"text":"Now in particular so I did a bit of a push up with Nat, and she did raise a couple of things with me just in terms of some updates to assets and liabilities.","start":80.055,"end":89.76,"sentiment":"neutral","sentiment_score":0.11903155474540066}],"sentiment":"neutral","sentiment_score":0.060435209078369315,"num_words":54,"start":65.770004,"end":89.76},{"sentences":[{"text":"And so potentially a bit of a chat around an earlier retire for yourself.","start":90.54,"end":96.96,"sentiment":"neutral","sentiment_score":0.034467472561768124},{"text":"Does ring a bell?","start":97.18,"end":98.46,"sentiment":"neutral","sentiment_score":0.004736848175525665},{"text":"Does that make sense?","start":98.46,"end":107.244995,"sentiment":"neutral","sentiment_score":-0.042737594805657864},{"text":"Potentially.","start":121.979996,"end":122.479996,"sentiment":"neutral","sentiment_score":-0.122366301715374},{"text":"So there's there's three different ways to approach your retirement.","start":122.7,"end":127.04,"sentiment":"neutral","sentiment_score":-0.06866308152675629}],"sentiment":"neutral","sentiment_score":-0.014498651140567028,"num_words":33,"start":90.54,"end":127.04},{"sentences":[{"text":"And so I want to kind of just do a bit of a deep dive with you today on those options and see what might be possible.","start":127.445,"end":134.025,"sentiment":"neutral","sentiment_score":0.21357947698345892},{"text":"Now before I jump into that, I've sent that pack out just so you've got it.","start":136.565,"end":141.31999,"sentiment":"neutral","sentiment_score":0.13986054062843323},{"text":"Just let's know what's in there.","start":141.31999,"end":142.94,"sentiment":"neutral","sentiment_score":0.14183115338285765},{"text":"So there's some updated and performance for the super, certificate for the insurances, an update service guide with us just with life info, updated fee structures, and so on, as well as a couple of sort of items.","start":143.08,"end":160.065,"sentiment":"neutral","sentiment_score":0.1547146902272576},{"text":"There's a consent form for the services, but also a bit of a tax number opt in and just a quick ping to the government on a lost super search as well.","start":160.445,"end":170.04001,"sentiment":"neutral","sentiment_score":0.1158528228988871}],"sentiment":"neutral","sentiment_score":0.15497352949836674,"num_words":119,"start":127.445,"end":170.04001},{"sentences":[{"text":"Now the thing when it comes to kind of tying in retirement discussions is I just need to factor in a bit around the other cash flow and debt management goal you guys have.","start":171.14,"end":183.71501,"sentiment":"neutral","sentiment_score":0.1254908045863404},{"text":"And there was a chat we had about finishing off the mortgage repayment and also potentially buying an invest property.","start":183.85501,"end":193.82,"sentiment":"neutral","sentiment_score":0.09436151646077633},{"text":"Is that sort of, like, the main focus for you guys, or what would you say?","start":193.88,"end":197.74,"sentiment":"neutral","sentiment_score":0.06208811164833605},{"text":"Yeah.","start":229.91,"end":230.39,"sentiment":"neutral","sentiment_score":0.017328908666968346},{"text":"They they put in some changes effective August 10 to ban the super to borrow to buy a direct property these days.","start":230.39,"end":239.00499,"sentiment":"neutral","sentiment_score":-0.03759788061407479}],"sentiment":"neutral","sentiment_score":0.06814519362023441,"num_words":93,"start":171.14,"end":239.00499},{"sentences":[{"text":"So it really comes down to, like, paying off the mortgage first, paying up the super.","start":239.22499,"end":243.965,"sentiment":"neutral","sentiment_score":-0.09992774506099522},{"text":"If you can buy a property in your own name, great.","start":244.265,"end":246.905,"sentiment":"neutral","sentiment_score":0.3005466881123456},{"text":"If not, you know, do you your funds out of your retirement at buying one at the end of the day when you're 65 or something like that?","start":246.905,"end":255.31,"sentiment":"neutral","sentiment_score":0.04647144129765885},{"text":"If you're not these days.","start":255.53,"end":256.75,"sentiment":"neutral","sentiment_score":-0.0635713018476963},{"text":"But yeah.","start":258.16998,"end":258.81,"sentiment":"neutral","sentiment_score":0.057080548256635666}],"sentiment":"neutral","sentiment_score":0.0452366869656309,"num_words":62,"start":239.22499,"end":258.81},{"sentences":[{"text":"So the main thing would be focusing on the personal assets first.","start":258.81,"end":262.03,"sentiment":"neutral","sentiment_score":0.23725040132800737},{"text":"And I'm just gonna put down as, like, your main priority for the goal, which is just paying off the mortgage.","start":262.205,"end":268.385,"sentiment":"neutral","sentiment_score":0.2912930753969011},{"text":"And before I jump in options for you, I'm just gonna double check these details.","start":268.845,"end":274.445,"sentiment":"neutral","sentiment_score":0.052299722532431286},{"text":"Let me know if this sounds correct.","start":274.445,"end":276.145,"sentiment":"neutral","sentiment_score":0.13826547137328557},{"text":"So we have you guys married with two children.","start":278.42,"end":281.08002,"sentiment":"neutral","sentiment_score":0.07974496732155482}],"sentiment":"neutral","sentiment_score":0.1786596600431949,"num_words":64,"start":258.81,"end":281.08002},{"sentences":[{"text":"Your truck driving still forward, j's waste disposal, j Richards and Sons.","start":282.18,"end":287.80002,"sentiment":"neutral","sentiment_score":0.050231270492076874},{"text":"We've got we have had, obviously, tax seasons just come around.","start":288.74,"end":293.01498,"sentiment":"neutral","sentiment_score":-0.029642902822657066},{"text":"Ink was previously listed as 73,000.","start":293.395,"end":296.675,"sentiment":"neutral","sentiment_score":-0.009646624171485504},{"text":"Do you have a bit of an update from the tax return this year?","start":296.675,"end":299.735,"sentiment":"neutral","sentiment_score":-0.009274006821215153},{"text":"Yep.","start":315.11,"end":315.51,"sentiment":"neutral","sentiment_score":-0.06670424342155457}],"sentiment":"neutral","sentiment_score":0.0005064370660957965,"num_words":44,"start":282.18,"end":315.51},{"sentences":[{"text":"No.","start":315.51,"end":315.67,"sentiment":"neutral","sentiment_score":-0.218986839056015},{"text":"That's fair.","start":315.67,"end":316.15,"sentiment":"neutral","sentiment_score":-0.14452073723077774},{"text":"I can keep it 73 for now.","start":316.15,"end":318.17,"sentiment":"neutral","sentiment_score":-0.02293174767068454},{"text":"It just affects, obviously, project and things like that because of the contributions from work.","start":318.39,"end":323.025,"sentiment":"neutral","sentiment_score":0.014022410986945033},{"text":"So we started with, like, eight fifty five.","start":335.85,"end":338.67,"sentiment":"neutral","sentiment_score":0.02531819581054151}],"sentiment":"neutral","sentiment_score":-0.007747539876480446,"num_words":33,"start":315.51,"end":338.67},{"sentences":[{"text":"What I was basically gonna say to that preservation age is 60 is the earliest and just kind of gave you what we'd be aiming for as a target.","start":338.89,"end":356.89627,"sentiment":"neutral","sentiment_score":0.0729991861715399},{"text":"Yeah.","start":383.58502,"end":384.065,"sentiment":"neutral","sentiment_score":0.12269250303506853},{"text":"So I've got some good information up in front of me just in terms of, like, government retirement stand with ASSA, and this is pretty good starting point.","start":384.065,"end":393.65002,"sentiment":"positive","sentiment_score":0.43432309691395077},{"text":"So when I look at what they suggest, we had your previous goal that your option would be aimed, let's say, mortgage paid off with a thousand dollars a week plus from that as well, and that's after tax tax free.","start":393.65002,"end":408.215,"sentiment":"neutral","sentiment_score":0.2124383369596993},{"text":"Now when it comes to the ask for retirement standards with government there, they do suggest about 78 combined for a couple.","start":408.755,"end":417.095,"sentiment":"neutral","sentiment_score":0.18298479372804816}],"sentiment":"neutral","sentiment_score":0.22426737928070312,"num_words":121,"start":338.89,"end":417.095},{"sentences":[{"text":"It kinda tracks to a similar similar outcome.","start":417.235,"end":420.08002,"sentiment":"neutral","sentiment_score":0.3145691528916359},{"text":"You know, a thousand dollars a week from yours, $20 from hers, and it kind of adds up with the mortgage paid off is kind of no.","start":420.14,"end":430.46002,"sentiment":"neutral","sentiment_score":0.29301932730056623},{"text":"So when it comes to retirement, the easiest way to think of it is, let's say, you've got a million dollars for this.","start":430.46002,"end":436.445,"sentiment":"neutral","sentiment_score":0.21224885790244394},{"text":"You then put it into a pension account.","start":436.905,"end":439.245,"sentiment":"neutral","sentiment_score":0.1340803625062108},{"text":"When you're retired, you've got quite conservative with the risk of what you're investing in because you don't wanna be high risk because half is too because the stock market crashes.","start":439.54498,"end":447.965,"sentiment":"neutral","sentiment_score":0.026643069881585338}],"sentiment":"neutral","sentiment_score":0.17740594699364348,"num_words":97,"start":417.235,"end":447.965},{"sentences":[{"text":"Now when you've got it in the conservative option, they usually aim for a four to 5% return.","start":449.44,"end":455.3,"sentiment":"neutral","sentiment_score":0.27009161644511753},{"text":"So I there and say, okay.","start":455.6,"end":458.24,"sentiment":"neutral","sentiment_score":0.2402533640464147},{"text":"If I've got a million dollars and I get a 5% return, that's from $50,000 a year, and the money won't go down.","start":458.24,"end":466.255,"sentiment":"neutral","sentiment_score":0.2782822772860527},{"text":"Now if we go to a 10% withdrawal, so let's say you have 500,000 and pull out that $50 a year, it will slowly go down over time, and it will probably last around about twenty, twenty five years, which still carry you through to late eighties, early nineties.","start":468.315,"end":487.72998,"sentiment":"neutral","sentiment_score":0.01221434121039145},{"text":"K?","start":489.55,"end":489.87,"sentiment":"neutral","sentiment_score":0.05582105368375778}],"sentiment":"neutral","sentiment_score":0.13771119000889437,"num_words":97,"start":449.44,"end":489.87},{"sentences":[{"text":"Now you guys are they combined currently at 575,000.","start":489.87,"end":495.685,"sentiment":"neutral","sentiment_score":0.11133238010936314},{"text":"So it's not that unattainable, especially on seven to ten year time.","start":497.745,"end":502.08502,"sentiment":"neutral","sentiment_score":0.1651574894785881},{"text":"And if I work back as per standard, we're basically saying that combined if you guys can get to $7.85, that's all your minimum.","start":502.225,"end":509.53,"sentiment":"neutral","sentiment_score":0.33312608674168587},{"text":"1.5 is your your ideal situation that you'll never have to worry about again.","start":509.99,"end":516.41,"sentiment":"positive","sentiment_score":0.455912321805954},{"text":"K.","start":518.23,"end":518.70996,"sentiment":"neutral","sentiment_score":0.1889132261276245}],"sentiment":"neutral","sentiment_score":0.2925098851323128,"num_words":60,"start":489.87,"end":518.70996},{"sentences":[{"text":"So not too far off.","start":518.70996,"end":520.64996,"sentiment":"neutral","sentiment_score":0.2223016619682312},{"text":"And it means that when you hit 6 or 62 that you can either go part time and fund the bidding super to top you up a bit or just hang up the boots completely and just know that the super will go down for a bit until that's kicked in.","start":520.79,"end":536.245,"sentiment":"neutral","sentiment_score":0.19985146813240706},{"text":"Neither one sounds that bad to me from what I can see where you are in a position.","start":536.245,"end":540.23,"sentiment":"neutral","sentiment_score":-0.25235087962614167},{"text":"And the thing too is that means so when it comes to risk levels, so you're in a growth portfolio at the moment.","start":546.05,"end":552.135,"sentiment":"neutral","sentiment_score":0.10742711162437564},{"text":"And generally speaking, you want eight or nine years to be in a growth risk profile to to make sure you can get the returns with the market going up and down.","start":552.53503,"end":561.515,"sentiment":"neutral","sentiment_score":0.08828611264470965}],"sentiment":"neutral","sentiment_score":0.09346974049081173,"num_words":129,"start":518.70996,"end":561.515},{"sentences":[{"text":"If we you up to high growth, and let's say we got your your shares and your property from 80% of your super to 9%, you're like like a solid date realistically because the market will once per ten years, and you need to have ten years to get the return average that you're on for.","start":561.655,"end":581.505,"sentiment":"neutral","sentiment_score":0.1452085316580321},{"text":"Now Yeah.","start":584.28503,"end":597.97003,"sentiment":"neutral","sentiment_score":-0.11541341990232468},{"text":"So yeah.","start":602.43,"end":604.43,"sentiment":"neutral","sentiment_score":-0.11045080050826073},{"text":"That's what I'm sort of thinking about.","start":604.43,"end":606.05505,"sentiment":"neutral","sentiment_score":-0.12189041716711861},{"text":"Because let's say I put you in a high tomorrow, and we had another global financial crisis in 2000 '9.","start":606.05505,"end":613.67505,"sentiment":"neutral","sentiment_score":-0.19543264992535114}],"sentiment":"neutral","sentiment_score":0.03354095877415832,"num_words":87,"start":561.655,"end":613.67505},{"sentences":[{"text":"Sitting at 456,000, you could very well wait in twelve months' time, and it's two hundred ninety thousand.","start":614.695,"end":621.53,"sentiment":"neutral","sentiment_score":-0.16569691648085913},{"text":"And then you've gotta wait eight years for it to build back up to $56,000 again.","start":623.35004,"end":628.49,"sentiment":"neutral","sentiment_score":-0.12710447306744754},{"text":"K?","start":629.91003,"end":630.39,"sentiment":"neutral","sentiment_score":0.016000548377633095},{"text":"Now the alternative is, what are you you're decently on track for that goal as it is, then what we really need to do is maintain that growth risk profile that you've got.","start":630.39,"end":640.28503,"sentiment":"neutral","sentiment_score":0.08329569074240598},{"text":"Maybe a little bit of engine because there's a of options in your portfolio I'm thinking of updating.","start":640.585,"end":645.485,"sentiment":"neutral","sentiment_score":0.0655380833066172}],"sentiment":"neutral","sentiment_score":-0.012462467713238196,"num_words":86,"start":614.695,"end":645.485},{"sentences":[{"text":"And at the if you put in $50 a week at some point or something like that, that might just give you that extra little boost that you need to make sure it's Does that sound a bit more now mortgage is obviously a big priority too, so that counts as well.","start":647.22504,"end":671.865,"sentiment":"neutral","sentiment_score":0.1184797787752289},{"text":"So if I was to do that, point number one, I do wanna update the portfolio to make sure the return the point number two is we could start with a bit of a, you know, $50 a week to see how you and readjust it as we need to because you can turn it off if if things get you can turn it off work pretty quick.","start":672.00494,"end":692.105,"sentiment":"neutral","sentiment_score":0.11010114821221899},{"text":"So up to you if you want me to kind of add into a strategy document see the difference that make and if you wanna give that a go for a year and and see how we Yep.","start":692.485,"end":712.97,"sentiment":"neutral","sentiment_score":0.24621585854574254},{"text":"Cool.","start":718.085,"end":718.485,"sentiment":"positive","sentiment_score":0.4652850031852722},{"text":"So what I'll do, I'm gonna do a very, very rough projection for you.","start":718.485,"end":724.665,"sentiment":"neutral","sentiment_score":0.26603262552193235}],"sentiment":"neutral","sentiment_score":0.15718942751429674,"num_words":173,"start":647.22504,"end":724.665},{"sentences":[{"text":"I'll give you a full in the document that I put together, but this just gives you an idea of what it might do.","start":724.885,"end":730.12,"sentiment":"neutral","sentiment_score":0.25407370428244275},{"text":"Here we go.","start":732.5,"end":733.24,"sentiment":"neutral","sentiment_score":0.13455741355816522},{"text":"Cool.","start":734.9,"end":735.3,"sentiment":"positive","sentiment_score":0.4444392919540405},{"text":"So if you got 456,000 in there at the moment, and let's say you're on $73 and worked in usual 12% contributions, I'll chop off a bit of super tax that they do.","start":735.3,"end":749.505,"sentiment":"neutral","sentiment_score":0.16604217141866684},{"text":"And we got about $7.5 goes in.","start":750.605,"end":753.265,"sentiment":"neutral","sentiment_score":0.18656971412045614}],"sentiment":"neutral","sentiment_score":0.20193029545685826,"num_words":68,"start":724.885,"end":753.265},{"sentences":[{"text":"And let's see over the next ten years at the average, like 9% return for your growth that's pretty conservative.","start":753.805,"end":761.56,"sentiment":"neutral","sentiment_score":0.25203223153948784},{"text":"Still possibly be able to get close to $8,900 $1,000,000 because this is that period, this last ten we keep up such a big base.","start":762.74005,"end":773.765,"sentiment":"neutral","sentiment_score":0.183086746186018},{"text":"If I get you, say, a 10% return next year, well, that's $50,000.","start":774.305,"end":779.205,"sentiment":"neutral","sentiment_score":0.2096982873403109},{"text":"So you can see it gets very quick up there, but then at the same time, we have to reduce this down because every couple of years, we don't wanna be risking that big chunk take off of it.","start":780.625,"end":790.62,"sentiment":"neutral","sentiment_score":0.07552540693909694},{"text":"Yeah.","start":810.105,"end":810.605,"sentiment":"neutral","sentiment_score":-0.13330475986003876}],"sentiment":"neutral","sentiment_score":0.15465384828192846,"num_words":98,"start":753.805,"end":810.605},{"sentences":[{"text":"Yeah.","start":828.565,"end":829.065,"sentiment":"neutral","sentiment_score":-0.042295798659324646},{"text":"In terms of risk level, definitely.","start":829.365,"end":831.065,"sentiment":"neutral","sentiment_score":-0.09396926065286},{"text":"I don't think I'd be increasing a risk level at this point.","start":831.205,"end":834.185,"sentiment":"neutral","sentiment_score":-0.3262033189336459},{"text":"I want that to go for salary sacrifice and maybe adjust it, but just make sure that based on the you guys go with mortgage, how you go with that, whether we have to stop it, increase it, we can adjust that as well.","start":836.005,"end":848.51,"sentiment":"neutral","sentiment_score":0.010587800971486351},{"text":"And then, yeah, like, realistically, we start those amounts.","start":850.01,"end":854.35004,"sentiment":"neutral","sentiment_score":-0.014617705510722266}],"sentiment":"neutral","sentiment_score":-0.05814232356432411,"num_words":72,"start":828.565,"end":854.35004},{"sentences":[{"text":"One thing I wanna give you in terms of expectations because you're gonna have to, unfortunately, live through this transition that's going on with the AIs and the wars, anything like that right before your retirement, and you did just say it was a concern.","start":854.975,"end":868.31,"sentiment":"neutral","sentiment_score":-0.18152197433842554},{"text":"So this is very realistic possibility that's pretty much where to happen is that sometime between now and '60, stock is gonna have to complete cash like it did 2009, 2020, and so on.","start":868.52997,"end":883.80505,"sentiment":"neutral","sentiment_score":-0.07265358237440095},{"text":"And do factor that in.","start":884.34503,"end":886.505,"sentiment":"neutral","sentiment_score":0.0573946624994278},{"text":"So in the good years, you get a ten, fifteen, 20% return per year.","start":886.505,"end":891.405,"sentiment":"neutral","sentiment_score":0.14904701762965747},{"text":"And then the bad years, it may actually go down 20 to 5%, even more if it's a big crash, which is why I don't wanna go any higher than what you've currently got.","start":891.465,"end":901.13995,"sentiment":"negative","sentiment_score":-0.4529529928284533}],"sentiment":"neutral","sentiment_score":-0.1792839457788928,"num_words":132,"start":854.975,"end":901.13995},{"sentences":[{"text":"But let's see what happens next year.","start":902.48,"end":904.5,"sentiment":"neutral","sentiment_score":0.14102126870836532},{"text":"You may then have a solid seven year growth after your contributions and your salary sacrifice.","start":905.27997,"end":911.71497,"sentiment":"positive","sentiment_score":0.34764612186700106},{"text":"And before you know it, what could happen is you go four fifty to three seventy, and then in a couple of years' time, $7,800,000 and pretty much call it quits, protect it, position you into retirement.","start":912.095,"end":926.2,"sentiment":"neutral","sentiment_score":-0.10211104597594287},{"text":"So just bear in mind that, like, I can't I'm the market.","start":928.5,"end":932.815,"sentiment":"neutral","sentiment_score":-0.1228689110527436},{"text":"I don't know when it's gonna happen.","start":932.815,"end":934.415,"sentiment":"neutral","sentiment_score":-0.26870141497680117}],"sentiment":"neutral","sentiment_score":-0.007391882376580299,"num_words":79,"start":902.48,"end":934.415},{"sentences":[{"text":"I do just know that every five to ten years, it does happen.","start":934.415,"end":938.355,"sentiment":"neutral","sentiment_score":-0.055342744749325976},{"text":"We use it as a of a buying opportunity.","start":938.575,"end":940.755,"sentiment":"neutral","sentiment_score":0.263743106689718},{"text":"But then we sorry.","start":943.695,"end":954.12,"sentiment":"neutral","sentiment_score":0.010270735248923302},{"text":"Go.","start":954.12,"end":954.62,"sentiment":"neutral","sentiment_score":-0.08462198078632355},{"text":"Yeah.","start":973.845,"end":974.345,"sentiment":"neutral","sentiment_score":-0.001008002087473869}],"sentiment":"neutral","sentiment_score":0.05748875844957573,"num_words":28,"start":934.415,"end":974.345},{"sentences":[{"text":"Yeah.","start":975.78,"end":976.10004,"sentiment":"neutral","sentiment_score":0.08054032176733017},{"text":"So there's a couple of options.","start":976.10004,"end":977.56,"sentiment":"neutral","sentiment_score":0.053765738382935524},{"text":"So we aren't throughout the year kind of as I I watch the stock market daily, the things happen when they they crash quite quickly, and we need to be able to get you to sign off documents to change things.","start":977.78,"end":990.795,"sentiment":"neutral","sentiment_score":-0.21583753842406156},{"text":"And then by the time that happens, it's already bouncing back up again.","start":990.795,"end":994.415,"sentiment":"neutral","sentiment_score":-0.21756413120489854},{"text":"So we try and around with going to or anything like that.","start":994.955,"end":998.955,"sentiment":"neutral","sentiment_score":0.040561397870381675}],"sentiment":"neutral","sentiment_score":-0.1477780993772696,"num_words":73,"start":975.78,"end":998.955},{"sentences":[{"text":"What we do do is a couple of things.","start":998.955,"end":1001.295,"sentiment":"neutral","sentiment_score":0.2085021353430218},{"text":"So if we do a review and the market's jumped up quite a bit for the year, we can then away, start reducing saying, we're going above what we wanted to earn.","start":1001.435,"end":1011.5,"sentiment":"neutral","sentiment_score":0.025086317269597203},{"text":"Now is the time to take some profit table in preparation for the next dip and vice versa when the market drops.","start":1011.72003,"end":1020.995,"sentiment":"neutral","sentiment_score":0.027860475704073906},{"text":"So it is something to look at closely every three, six, nine, twelve months and if we adjust things, we we do those those adjustments then.","start":1020.995,"end":1030.855,"sentiment":"neutral","sentiment_score":0.02591313450382306},{"text":"The other one that we can do, and I'll look at this for you as well, is we have a portfolio called an SMA, a fully managed account, where basically we can put a bubble in your portfolio and move it to like a fee menu.","start":1032.57,"end":1047.47,"sentiment":"neutral","sentiment_score":0.09970909243692523}],"sentiment":"neutral","sentiment_score":0.0633523821140881,"num_words":135,"start":998.955,"end":1047.47},{"sentences":[{"text":"What it basically means is that we have more access to change bad funds with good funds throughout the year.","start":1047.975,"end":1055.275,"sentiment":"neutral","sentiment_score":0.05852974392473698},{"text":"So if the fund manager completely wiped out or they're just doing a horrendous job, we can have a have changed to a better manager.","start":1055.335,"end":1064.84,"sentiment":"negative","sentiment_score":-0.4135773915052414},{"text":"We wouldn't sell it to cash and and, you know, time the market, but we can recognize when someone's doing bad enough, they need to be replaced.","start":1064.84,"end":1071.8999,"sentiment":"neutral","sentiment_score":-0.28174986441930133},{"text":"So if you okay to consider that, what I'll basically do is wanna compare your current portfolio with update of a couple of that I was thinking and then also that SMA structure, and then you and I can have out about which one go through.","start":1073.3999,"end":1088.605,"sentiment":"neutral","sentiment_score":0.08438083756229152},{"text":"Okay?","start":1091.4601,"end":1091.78,"sentiment":"neutral","sentiment_score":0.111334890127182}],"sentiment":"neutral","sentiment_score":-0.10742212462575496,"num_words":119,"start":1047.975,"end":1091.78},{"sentences":[{"text":"And I'll add in a bit of objection for the sorry, sacrifice so you can see what that does.","start":1091.78,"end":1096.36,"sentiment":"neutral","sentiment_score":-0.04028341625081865},{"text":"Cool.","start":1104.66,"end":1104.98,"sentiment":"neutral","sentiment_score":0.1995115727186203},{"text":"Now Yeah.","start":1104.98,"end":1126.5,"sentiment":"neutral","sentiment_score":-0.057521965354681015},{"text":"Well, we had the COVID one was pretty fun, and sometimes three years and sometimes it's fine, and you can't really tell when.","start":1126.64,"end":1134.56,"sentiment":"neutral","sentiment_score":-0.0411777066613507},{"text":"And the thing is you don't wanna be sitting there not in this thing, getting any of returns, and then just waiting for something to happen that doesn't happen for another ten years.","start":1134.56,"end":1143.485,"sentiment":"neutral","sentiment_score":-0.10463560745120049}],"sentiment":"neutral","sentiment_score":-0.06514076366483305,"num_words":78,"start":1091.78,"end":1143.485},{"sentences":[{"text":"But the two things that we do do is, like I said, every review, we're gonna see how the market and what we need to adjust.","start":1145.225,"end":1151.69,"sentiment":"neutral","sentiment_score":0.052315035548347696},{"text":"And at the same time, when we build our portfolio, the investment committee, we do look at things like how the world's going to AI.","start":1152.95,"end":1159.51,"sentiment":"neutral","sentiment_score":0.0670351255685091},{"text":"So let's get a little bit of exposure to those companies, tech stocks, and things like that, but not so much that if that turns into a bubble and explode that your super gets backed out.","start":1159.51,"end":1169.525,"sentiment":"neutral","sentiment_score":-0.06652587339178556},{"text":"So we do use the buzzword of diversification, and that's when you see those reports you send through the review pack, you've got eight different investment options because we're trying to spread you to different countries, different sectors to at least minimize the risk that if one big shock comes in one area, that affects yours disproportionately.","start":1170.625,"end":1189.82,"sentiment":"neutral","sentiment_score":0.1301184347585628},{"text":"And I do take it very seriously because at the end of the day, the last years is so important because whatever happens in the next decade, that's the life that you have afterwards to on.","start":1202.775,"end":1213.56,"sentiment":"neutral","sentiment_score":0.3128470815718174}],"sentiment":"neutral","sentiment_score":0.1073354629954944,"num_words":180,"start":1145.225,"end":1213.56},{"sentences":[{"text":"Yep.","start":1228.795,"end":1229.295,"sentiment":"neutral","sentiment_score":0.003714494407176971},{"text":"You basically need to get the returns to get you those last few $100, and then you need to sell it and then protect it before it crashes.","start":1230.635,"end":1238.98,"sentiment":"neutral","sentiment_score":-0.003120840127979006},{"text":"Not too early not to so that's why the reviews in the last ten years are so important.","start":1240.24,"end":1245.3,"sentiment":"neutral","sentiment_score":-0.03642625278896756},{"text":"And we not serious discussions, but you know what I mean?","start":1245.68,"end":1250.525,"sentiment":"neutral","sentiment_score":-0.06373700228604404},{"text":"We're gonna be it's not like you're thirty five years of stuff like, oh, yeah.","start":1250.525,"end":1253.885,"sentiment":"neutral","sentiment_score":-0.11400331233938535}],"sentiment":"neutral","sentiment_score":-0.04315751081664268,"num_words":73,"start":1228.795,"end":1253.885},{"sentences":[{"text":"That and forget it.","start":1253.885,"end":1254.845,"sentiment":"neutral","sentiment_score":-0.14223527908325195},{"text":"Okay.","start":1254.845,"end":1255.345,"sentiment":"neutral","sentiment_score":0.009991072118282318},{"text":"Mhmm.","start":1267.03,"end":1267.53,"sentiment":"neutral","sentiment_score":0.027029812335968018},{"text":"Yep.","start":1281.345,"end":1281.845,"sentiment":"neutral","sentiment_score":0.13403795659542084},{"text":"Yeah.","start":1289.68,"end":1290.18,"sentiment":"neutral","sentiment_score":0.01868799887597561}],"sentiment":"neutral","sentiment_score":-0.04739928455092013,"num_words":8,"start":1253.885,"end":1290.18},{"sentences":[{"text":"One last thing last year.","start":1290.48,"end":1291.76,"sentiment":"neutral","sentiment_score":-0.02861828953027725},{"text":"I do have to quickly touch on the insurance policy as well.","start":1291.76,"end":1294.88,"sentiment":"neutral","sentiment_score":-0.020309580489993095},{"text":"But in terms of the risk level, if I can project that you're still gonna be on track for retirement comfortably, do you want me to look at pumping it down slightly to if you're at a four out of five, maybe, like, a 3.5 or something like just to take a bit off the table now.","start":1294.88,"end":1311.7749,"sentiment":"neutral","sentiment_score":-0.05013977582648135},{"text":"Yeah.","start":1316.23,"end":1316.55,"sentiment":"neutral","sentiment_score":-0.00444614514708519},{"text":"I'll consider that because, again, even then, balance profiles, three out of five not as safe as people think they are.","start":1316.55,"end":1322.79,"sentiment":"neutral","sentiment_score":-0.08921763957256362}],"sentiment":"neutral","sentiment_score":-0.05336239803970481,"num_words":96,"start":1290.48,"end":1322.79},{"sentences":[{"text":"I'm not trying to scare you, but I'm just saying, like, I know what happens to the profile across the industry when these events happen, and I don't want to be shocked by it.","start":1322.79,"end":1331.905,"sentiment":"neutral","sentiment_score":-0.09505239181110964},{"text":"There will be a year where there's a big taken off, and we need to get it up.","start":1331.905,"end":1335.525,"sentiment":"neutral","sentiment_score":-0.12705130502581596},{"text":"But I if I can get you there with the least necessary, that might be better for you.","start":1335.905,"end":1341.51,"sentiment":"neutral","sentiment_score":0.17212573107745913},{"text":"Awesome.","start":1347.81,"end":1348.31,"sentiment":"positive","sentiment_score":0.4902576208114624},{"text":"Alright.","start":1348.77,"end":1349.25,"sentiment":"neutral","sentiment_score":0.3024250864982605}],"sentiment":"neutral","sentiment_score":-0.02260776312970039,"num_words":72,"start":1322.79,"end":1349.25},{"sentences":[{"text":"So I'll I'll have a look at that one.","start":1349.25,"end":1351.1901,"sentiment":"neutral","sentiment_score":0.2012635370095571},{"text":"Different portfolios, slight risk adjustment, and the and we'll see how that looks.","start":1351.89,"end":1358.525,"sentiment":"neutral","sentiment_score":0.10716015759568948},{"text":"And, again, you get to sign off and and make sure you're comfortable with what we're doing.","start":1358.525,"end":1362.7051,"sentiment":"neutral","sentiment_score":0.15146405359401421},{"text":"Outside of that, so the other thing I wanted to just quickly touch on was just in terms of estate planning, and that's listed to receive the super and the insurance is beneficial.","start":1364.525,"end":1375.74,"sentiment":"neutral","sentiment_score":0.19836507398973813},{"text":"I'm assuming you're still okay for that.","start":1375.96,"end":1377.82,"sentiment":"neutral","sentiment_score":0.18166013274874007}],"sentiment":"neutral","sentiment_score":0.1721140653649463,"num_words":79,"start":1349.25,"end":1377.82},{"sentences":[{"text":"Cool.","start":1379.72,"end":1380.075,"sentiment":"neutral","sentiment_score":0.2038530707359314},{"text":"And did you guys send a like a will put in place at some point?","start":1380.635,"end":1384.335,"sentiment":"neutral","sentiment_score":0.0856380636493365},{"text":"Here's the annual reminder for that one.","start":1395.32,"end":1397.74,"sentiment":"neutral","sentiment_score":0.10290398980890002},{"text":"Awesome.","start":1400.6,"end":1401.1,"sentiment":"positive","sentiment_score":0.4423936605453491},{"text":"And then just quickly on the ins because there was a couple of things here.","start":1401.64,"end":1405.845,"sentiment":"neutral","sentiment_score":0.1945457304517428}],"sentiment":"neutral","sentiment_score":0.1428033736271736,"num_words":39,"start":1379.72,"end":1405.845},{"sentences":[{"text":"I'll try and keep this as straightforward as possible.","start":1406.485,"end":1409.465,"sentiment":"neutral","sentiment_score":0.2530716309944789},{"text":"You have a MetLife policy, and that includes life insurance with disability.","start":1410.565,"end":1416.905,"sentiment":"neutral","sentiment_score":0.11722733763357003},{"text":"So if you away or can never work again, there's a lump sum of around $3.32, 226,000.","start":1417.365,"end":1425.04,"sentiment":"neutral","sentiment_score":-0.1451998918372042},{"text":"That'll sort of pop off, and it'll pay off the We previous had it $3.04, so it was kind of trying to pay off the mortgage.","start":1425.26,"end":1433.76,"sentiment":"neutral","sentiment_score":-0.023228656446847778},{"text":"Now those two combined, they're only $1,500 a year out of the it gets a percent tax rebate, which drops it a bit lower as well.","start":1435.5951,"end":1444.895,"sentiment":"positive","sentiment_score":0.35536741064145017}],"sentiment":"neutral","sentiment_score":0.109462024204226,"num_words":90,"start":1406.485,"end":1444.895},{"sentences":[{"text":"You do have protection.","start":1445.1951,"end":1447.625,"sentiment":"neutral","sentiment_score":0.2389611043035984},{"text":"Now the protection is oh, it's about just under 2,000 a year, so that's also not crazy in terms of premium.","start":1450.42,"end":1458.84,"sentiment":"neutral","sentiment_score":0.21045363197724024},{"text":"All of these will jump up quite a bit, though, through the fifties.","start":1459.22,"end":1462.36,"sentiment":"neutral","sentiment_score":-0.003424856811761856},{"text":"Point where before you know it, at 58, you might be paying $78,000.","start":1463.665,"end":1468.085,"sentiment":"neutral","sentiment_score":-0.03358029287595015},{"text":"So I need to keep a lid on premiums.","start":1468.225,"end":1470.165,"sentiment":"neutral","sentiment_score":-0.06366161670949724}],"sentiment":"neutral","sentiment_score":0.07202248654017845,"num_words":60,"start":1445.1951,"end":1470.165},{"sentences":[{"text":"It makes sense for cost and fees.","start":1470.705,"end":1472.325,"sentiment":"neutral","sentiment_score":0.12274331173726491},{"text":"Now you have waiting period of days.","start":1473.745,"end":1476.805,"sentiment":"neutral","sentiment_score":0.014116078615188599},{"text":"So if you're out of work for a few months, it'll kick in $4,000 a month for up to two years just to kind of get you guys by on the repayments and and whatnot.","start":1476.945,"end":1486.97,"sentiment":"neutral","sentiment_score":-0.0087123377514737},{"text":"But was it so there was a ninety day waiting period, and I know that they posed a question about what cost would be to reduce that down to thirty days.","start":1487.4299,"end":1498.705,"sentiment":"neutral","sentiment_score":-0.0291644063207411},{"text":"I do I do actually still in date.","start":1505.46,"end":1509.22,"sentiment":"neutral","sentiment_score":0.038407011423259974}],"sentiment":"neutral","sentiment_score":0.0006391296205534177,"num_words":88,"start":1470.705,"end":1509.22},{"sentences":[{"text":"So let me just quickly look at that.","start":1509.22,"end":1511.24,"sentiment":"neutral","sentiment_score":0.11426545772701502},{"text":"And I, yeah, I'm going to broach this with you as well.","start":1511.46,"end":1514.26,"sentiment":"neutral","sentiment_score":0.13293075871964297},{"text":"So I have opened the alteration quote.","start":1514.26,"end":1517.72,"sentiment":"neutral","sentiment_score":0.1009154383625303},{"text":"Right.","start":1520.405,"end":1520.885,"sentiment":"neutral","sentiment_score":0.08073613047599792},{"text":"So now bear in mind when it comes to from the contributions, like, I I need to factor that into the projections as well.","start":1520.885,"end":1529.365,"sentiment":"neutral","sentiment_score":0.029221895926942427}],"sentiment":"neutral","sentiment_score":0.07688004745600316,"num_words":52,"start":1509.22,"end":1529.365},{"sentences":[{"text":"Not sure it's backwards on the fees.","start":1529.365,"end":1531.545,"sentiment":"neutral","sentiment_score":-0.10982755252293178},{"text":"We've got total gross of 3,600.","start":1533.65,"end":1537.91,"sentiment":"neutral","sentiment_score":0.06309042063852151},{"text":"And to bump it to a thirty day waiting period, 5,100 for the rebate.","start":1538.13,"end":1545.225,"sentiment":"neutral","sentiment_score":0.10028180187301976},{"text":"So it's an extra $48 a year.","start":1545.365,"end":1548.825,"sentiment":"neutral","sentiment_score":0.07462761285049575},{"text":"I know you guys have the draw there.","start":1552.6449,"end":1554.325,"sentiment":"neutral","sentiment_score":0.007104448042809963}],"sentiment":"neutral","sentiment_score":0.037926756111638885,"num_words":42,"start":1529.365,"end":1554.325},{"sentences":[{"text":"It's about a 100 range in to try and if you needed to.","start":1554.325,"end":1558.6649,"sentiment":"neutral","sentiment_score":0.0028285146332704104},{"text":"Okay.","start":1594.73,"end":1595.23,"sentiment":"neutral","sentiment_score":0.012182194739580154},{"text":"Yeah.","start":1595.5299,"end":1596.0299,"sentiment":"neutral","sentiment_score":0.024282319471240044},{"text":"Like, it's not too bad for and it can be like, yeah, it's not gonna hurt the super too much for twelve months, but I know in three years' time when the next $3 coming out for all of it, it's just gonna slow things down considerably.","start":1598.865,"end":1612.17,"sentiment":"neutral","sentiment_score":-0.10214362630343184},{"text":"Yeah.","start":1632.705,"end":1633.105,"sentiment":"neutral","sentiment_score":0.008327137678861618}],"sentiment":"neutral","sentiment_score":-0.07490774752601745,"num_words":63,"start":1554.325,"end":1633.105},{"sentences":[{"text":"For life insurance, $2.70 6 for disability.","start":1633.105,"end":1636.325,"sentiment":"neutral","sentiment_score":-0.0016426382852452143},{"text":"Normally, I'd say yes.","start":1648.13,"end":1649.67,"sentiment":"neutral","sentiment_score":-0.04678146028891206},{"text":"The but, realistically, $3.82 and let's say I chopped it in half to kind of line up with the mortgage, which I think was sitting at $1.80 ish.","start":1650.05,"end":1662.0549,"sentiment":"neutral","sentiment_score":-0.006292031587301088},{"text":"You're gonna be dollar premium to $3.50.","start":1663.075,"end":1666.79,"sentiment":"neutral","sentiment_score":0.1262101126568658},{"text":"So if you want going, it'll make a small difference, but, like, it's not gonna offset increases that happen income protection over the next few years.","start":1667.33,"end":1676.95,"sentiment":"neutral","sentiment_score":0.08271903573320462}],"sentiment":"neutral","sentiment_score":0.03693561838978591,"num_words":72,"start":1633.105,"end":1676.95},{"sentences":[{"text":"But the good news is even so, like before, still tracking well for the retirement goals.","start":1687.325,"end":1694.58,"sentiment":"positive","sentiment_score":0.47830506786704063},{"text":"Like, we can afford to take a little less risk put extra contributions in.","start":1694.82,"end":1700.2,"sentiment":"neutral","sentiment_score":0.280304665012019},{"text":"You're still gonna hit it.","start":1700.34,"end":1701.5399,"sentiment":"positive","sentiment_score":0.3616707265377045},{"text":"I'll keep an eye on the poll with you every year as well as what's up for the markets.","start":1701.5399,"end":1705.96,"sentiment":"neutral","sentiment_score":0.24559533752893148},{"text":"But I just wanted to at least double check these since we did get Yep.","start":1706.34,"end":1729.27,"sentiment":"neutral","sentiment_score":0.09858461692929268}],"sentiment":"neutral","sentiment_score":0.2830518941408482,"num_words":69,"start":1687.325,"end":1729.27},{"sentences":[{"text":"K.","start":1732.05,"end":1732.55,"sentiment":"neutral","sentiment_score":0.07649793475866318},{"text":"Cool.","start":1740.765,"end":1741.245,"sentiment":"positive","sentiment_score":0.4727591276168823},{"text":"So what I'll do is when you get a chance that annual review is out to you guys on that email address, It does include the certificate of currency down each covers.","start":1741.245,"end":1751.91,"sentiment":"neutral","sentiment_score":0.2878829976543784},{"text":"So that way you guys can have a bit of a chat about it.","start":1752.2101,"end":1756.4701,"sentiment":"neutral","sentiment_score":0.32671261046613964},{"text":"It'll give you more of a visual to see if they're looking at.","start":1756.53,"end":1759.11,"sentiment":"neutral","sentiment_score":0.2743496195628093}],"sentiment":"neutral","sentiment_score":0.29347597685505133,"num_words":61,"start":1732.05,"end":1759.11},{"sentences":[{"text":"Cool.","start":1761.73,"end":1762.23,"sentiment":"positive","sentiment_score":0.4751926064491272},{"text":"Oh, one thing I'm gonna do as well is just in terms of services with So just with all of the changes that, you know, electricity costs went up and the on crate, the rest of it, We have changed our fee structure into a bit of a period fee structure and raise the prices slightly as well.","start":1762.61,"end":1783.71,"sentiment":"neutral","sentiment_score":0.11848271297740526},{"text":"But for you guys, we on that couple's fee discount.","start":1783.9299,"end":1787.87,"sentiment":"neutral","sentiment_score":0.10097057670354843},{"text":"Sevian Bart are gonna grandfather that for two months and keep you guys on the discounted rate of the 1.1%.","start":1789.3049,"end":1796.525,"sentiment":"neutral","sentiment_score":0.1386913601309061},{"text":"So that way, it's it's kept there for a little while, and then we can talk in twelve months about any and if it's still okay for you guys, if you still feel there's value.","start":1796.985,"end":1809.46,"sentiment":"neutral","sentiment_score":0.28801204689911436}],"sentiment":"neutral","sentiment_score":0.17105761750210677,"num_words":124,"start":1761.73,"end":1809.46},{"sentences":[{"text":"So we charge 1.65% and couples at 1.1.","start":1816.735,"end":1821.715,"sentiment":"neutral","sentiment_score":0.021589077077805996},{"text":"What we've done tiered structure is everyone above 200,000 gets a disc everyone above 500 gets a discount as well, but that first 200 is back to 1.6 5.","start":1822.335,"end":1833.9,"sentiment":"neutral","sentiment_score":0.05694191536769785},{"text":"So I've got a little bit of a calculator there, and I know that as you guys increase in balance, it's gonna be really helpful.","start":1834.04,"end":1840.9401,"sentiment":"neutral","sentiment_score":0.10550062775611878},{"text":"You'll actually be in a better position.","start":1841.0,"end":1842.54,"sentiment":"neutral","sentiment_score":0.12659140144075667},{"text":"But for that year or two, it'll will slight increase cost.","start":1842.76,"end":1845.885,"sentiment":"neutral","sentiment_score":-0.08207804608074101}],"sentiment":"neutral","sentiment_score":0.0555603144923225,"num_words":80,"start":1816.735,"end":1845.885},{"sentences":[{"text":"I'll keep it one point one for the yeah.","start":1849.225,"end":1856.525,"sentiment":"neutral","sentiment_score":0.012932095159259107},{"text":"Yeah.","start":1864.3401,"end":1864.8201,"sentiment":"neutral","sentiment_score":0.2545109987258911},{"text":"And that's why the reviews are important too because, you know, we need your consent every year to advisers, and we wanna make sure you're feeling like you're getting the value for it for the money that we're charging.","start":1864.8201,"end":1875.275,"sentiment":"positive","sentiment_score":0.3596963129746608},{"text":"And just in this circumstance, because the way the world's gone, the guys haven't increased the fees for years, and at some point, we just had to to review it a little bit.","start":1875.895,"end":1885.015,"sentiment":"neutral","sentiment_score":-0.14175155995921654},{"text":"But, again, like I said, for twelve months, and when it comes to that time, probably won't be too much of an impact.","start":1885.015,"end":1891.7999,"sentiment":"neutral","sentiment_score":-0.19048355454983917}],"sentiment":"neutral","sentiment_score":0.050858407884481406,"num_words":105,"start":1849.225,"end":1891.7999},{"sentences":[{"text":"Yeah.","start":1932.775,"end":1933.275,"sentiment":"neutral","sentiment_score":0.050529737025499344},{"text":"Tell me.","start":1938.6951,"end":1939.435,"sentiment":"neutral","sentiment_score":0.002089818473905325},{"text":"Yeah.","start":1940.855,"end":1941.355,"sentiment":"neutral","sentiment_score":0.011525150388479233},{"text":"Yeah.","start":1945.5801,"end":1946.0801,"sentiment":"neutral","sentiment_score":-0.028530944138765335},{"text":"It's still hit.","start":1946.3,"end":1947.2001,"sentiment":"neutral","sentiment_score":-0.1492529883980751}],"sentiment":"neutral","sentiment_score":-0.05125692312140018,"num_words":8,"start":1932.775,"end":1947.2001},{"sentences":[{"text":"Let me have a look at one because it it's been so volatile that it changes when they update the prices for the day 03/04.","start":1947.26,"end":1954.4,"sentiment":"neutral","sentiment_score":-0.07368215046823025},{"text":"Let me have a look at today's one.","start":1956.025,"end":1957.7251,"sentiment":"neutral","sentiment_score":0.013511551078408957},{"text":"I'll just before it looks good.","start":1958.265,"end":1960.125,"sentiment":"neutral","sentiment_score":0.07411861357589562},{"text":"Yeah.","start":1960.5851,"end":1960.905,"sentiment":"neutral","sentiment_score":-0.06342166662216187},{"text":"Market dropped pretty pretty badly in March, but you're still clear percent off these.","start":1960.905,"end":1966.2051,"sentiment":"neutral","sentiment_score":-0.27849402172224863}],"sentiment":"neutral","sentiment_score":-0.09725162300660654,"num_words":54,"start":1947.26,"end":1966.2051},{"sentences":[{"text":"The long term's still double digits, which is good.","start":1967.72,"end":1970.54,"sentiment":"positive","sentiment_score":0.3762306571006775},{"text":"Again, like I said, there's a couple of options in there that have underperformed just in terms of fund managers being a bit weird property market since those changes were announced with legislation.","start":1970.84,"end":1980.3,"sentiment":"neutral","sentiment_score":-0.13401952970095657},{"text":"So I'm just gonna look reviewing a couple of those, get it bumped up a little bit, and I may even get a slight higher with the lower risk is what I'm aiming for.","start":1981.115,"end":1993.6951,"sentiment":"neutral","sentiment_score":0.07192222489153638},{"text":"The trifecta.","start":1996.67,"end":1997.33,"sentiment":"positive","sentiment_score":0.5699096918106079},{"text":"Yeah.","start":2001.39,"end":2001.79,"sentiment":"neutral","sentiment_score":0.2975434958934784}],"sentiment":"neutral","sentiment_score":0.036027214678499515,"num_words":79,"start":1967.72,"end":2001.79},{"sentences":[{"text":"Absolutely.","start":2001.79,"end":2002.29,"sentiment":"positive","sentiment_score":0.4118663072586059},{"text":"So I'll leave that with you guys.","start":2002.43,"end":2004.85,"sentiment":"neutral","sentiment_score":0.23133852226393564},{"text":"You please have a look at it with Nat.","start":2004.91,"end":2006.77,"sentiment":"neutral","sentiment_score":0.15103483945131302},{"text":"Sign off if you're comfortable with it.","start":2007.39,"end":2009.295,"sentiment":"neutral","sentiment_score":0.2190356935773577},{"text":"And in about two weeks' time, Michelle will give you a call to to book in, run through the update strategies with all the actions and alternatives in there.","start":2009.535,"end":2018.915,"sentiment":"neutral","sentiment_score":0.2127887082510981}],"sentiment":"neutral","sentiment_score":0.209333432311157,"num_words":53,"start":2001.79,"end":2018.915},{"sentences":[{"text":"And Mhmm.","start":2019.055,"end":2019.615,"sentiment":"neutral","sentiment_score":0.08796137198805809},{"text":"Any questions you've we can go through that then as well.","start":2019.6951,"end":2022.15,"sentiment":"neutral","sentiment_score":0.08037133243950931},{"text":"Yeah.","start":2049.86,"end":2050.1802,"sentiment":"neutral","sentiment_score":-0.02506423369050026},{"text":"Because what I'm thinking is if you can like, you were saying, look, we sacrifice $2 a week.","start":2050.1802,"end":2055.3801,"sentiment":"neutral","sentiment_score":-0.060682111937138766},{"text":"That's $2.5 going in.","start":2055.3801,"end":2057.62,"sentiment":"neutral","sentiment_score":-0.06931467168033123}],"sentiment":"neutral","sentiment_score":-0.009294264846377902,"num_words":36,"start":2019.055,"end":2057.62},{"sentences":[{"text":"If we save $300 in premium, it's not gonna get you $100 in retirement or anything like that.","start":2057.62,"end":2063.4001,"sentiment":"neutral","sentiment_score":-0.060307333452834025},{"text":"Amazing.","start":2079.39,"end":2079.8699,"sentiment":"positive","sentiment_score":0.4630129337310791},{"text":"Great.","start":2079.8699,"end":2080.19,"sentiment":"positive","sentiment_score":0.5473922491073608},{"text":"Thank you so much for your time.","start":2080.19,"end":2081.3098,"sentiment":"positive","sentiment_score":0.5906123348644802},{"text":"I really appreciate diving into all corners of all uncomfortable conversations with me.","start":2081.3098,"end":2086.5298,"sentiment":"neutral","sentiment_score":0.3081240631066836}],"sentiment":"neutral","sentiment_score":0.20161930862814187,"num_words":40,"start":2057.62,"end":2086.5298},{"sentences":[{"text":"But I do appreciate you letting me take the time to to look at with you, and I will do my absolute best to get you in something you're comfortable with.","start":2086.5898,"end":2096.475,"sentiment":"positive","sentiment_score":0.4416825973218487},{"text":"Yeah.","start":2112.74,"end":2113.24,"sentiment":"neutral","sentiment_score":0.22924737632274628},{"text":"These days, people don't wanna get the New York flat anymore and live over like, just have the house I don't have to worry anymore.","start":2129.115,"end":2136.5898,"sentiment":"neutral","sentiment_score":0.06033849686384201},{"text":"Alright, mate.","start":2154.3252,"end":2154.965,"sentiment":"neutral","sentiment_score":0.22665296494960785},{"text":"Leave it with me, and I'll talk to you in a couple of weeks.","start":2154.965,"end":2157.945,"sentiment":"neutral","sentiment_score":0.14676560035773686}],"sentiment":"neutral","sentiment_score":0.24572458424388546,"num_words":73,"start":2086.5898,"end":2157.945},{"sentences":[{"text":"Thanks.","start":2159.5251,"end":2160.0251,"sentiment":"positive","sentiment_score":0.724043607711792},{"text":"See you later.","start":2160.165,"end":2160.905,"sentiment":"positive","sentiment_score":0.5538681546847025}],"sentiment":"positive","sentiment_score":0.5964120179414749,"num_words":4,"start":2159.5251,"end":2160.905}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. Yourself? Yeah. It's not too bad. Yeah. Yeah. 141272 And 74 A Bunker Road, Victoria Point. Yeah. Yeah. That's fine. Yep. Yep. Yep. Yep. If you could just walk us through, it'd be good. Yeah. Just don't have my glasses on me with me at the moment. Okay. That's good. Yep. Yeah. Yeah. Yeah. Possibility. Yeah. If it if it is possible, I'm not sure what's involved in, you know, the strategies that you take to for that to happen. Obviously, I need to go into a higher risk sort of is that what we're looking at or if that was the case? Yep. Okay. Yep. Look, the wife's size, I wanted an investment property, but I think we're we're our main goal really at the moment is probably is to to get the mortgage paid off, I think. Yeah. It's it's I'll probably need to sit down with the wife and have a good chat about about that. But I thought the because you can't use your super, can you, for a property now. Is that correct? Yeah. Yeah. Yep. Yeah. That's wrong. Yep. Yep. Yeah. Yeah. Mhmm. I haven't no agreement on our tax yet, so I'm not sure what what that amount would be. But, yeah, I'd have to I'd have to sort of wait until I get my get my tax, I guess. Yeah. Look. I think I was probably when I mentioned retiring a little bit early. What what age do I got down there for retirement at the moment? Yeah. Yep. Mhmm. Okay. Yep. Yeah. Look. I don't really wanna be working till I'm 60 five. If there is a way that I can retire a little bit earlier than that, I mean, it would probably involve, you know, selling this place and and and downsizing, obviously. So, yeah, it's all sort of a bit hypothetical at the moment. But, yeah, I mean well, yeah, it would be nice to know what sort of strategy I'd have to what I'd have to do to sort of attain that. But Yep. Yep. Mhmm. Yep. Okay. Yep. So it doesn't sound unreasonable. Yep. Yep. Yeah. Okay. Yep. Yeah. Okay. Yep. Yeah. Alright. Yeah. Mhmm. Yeah. Okay. Yep. Mhmm. Yep. Yeah. Yeah. Yeah. It's good to know, actually. Yeah. Yep. Yep. Mhmm. Yeah. Right. Okay. Is it is it feasible to do that just with the way the the with the with the way the world is at the moment and how unstable it is. And, I mean, are we better off just sticking with what we've got? Or mhmm. Yep. Yeah. Yep. Mhmm. Yep. Yep. Yep. Okay. Yeah. Well yeah. Well yes. Yes. Salary sacrifice is something we can look at. Sure. Yep. Yep. Yep. Yeah. I think yeah. If we can just, yeah, boost the super up a bit more than even for those $50 a week, we can that's certainly doable. So, yeah, I think that's probably not a bad idea. Just to Yep. Yep. Yeah. That that's that's fine. Yeah. Uh-huh. Yep. Yep. Pretty good. Mhmm. Yeah. It's always a bit of a concern, isn't it? You know, I often wonder what's gonna happen, you know, with with pricing, you know, everything's going on in The Middle East and how that's gonna affect the share market. You know, is it gonna be collapsed? Is there you know, it's sort of a bit worrying. But yeah. Okay. Well so you you're basically saying to stick with what what what I've got, maybe salary salary sacrifice and and and basically sort of see how we go for for a little while. Okay. Yep. Yep. Mhmm. Yeah. Yeah. Yeah. Yep. Yep. Okay. Alright. Well, it sounds like a plan. Yep. So yes. So yeah. I'm just but I know it's hard to to know what's gonna happen with the share market, but do you move certain shares around when you see it's getting volatile, like, into into cash? Or is there does you know, if if things start kicking off in The Middle East, is are all the shares sort of set in place or and where you're investing? Yeah. I can. Yeah. Okay. Yep. Okay. Yep. Okay. Yep. Okay. Yep. Mhmm. Okay. Okay. That sounds good. Yeah. Okay. Yeah. Okay. Yeah. No. That's it sounds good. Yeah. It's it's obviously pretty hard. You don't have a crystal ball to look at things, but it's interesting to know that yeah. You're you're saying on average, every sort of ten years, it's a crash, basically. So, yeah, so we're we're overdue. Yep. Yeah. That's right. Yeah. Okay. Mhmm. Yep. Okay. Yeah. Okay. Yep. Alright. Well, you guys are the professionals, so it sounds sounds sounds like you got that sort of cover the bases sort of. Yeah. Okay. Yeah. So the last sort of you're saying the last sort of seven years is a real sort of where you really need to sort of perform. And I'd say that most of your growth is here, the last sort of five, seven years. Yeah. Mhmm. Yeah. Yeah. Okay. Well, if you can, you know, get a couple of projections on, you know, with this with the salary sacrifice and the fees. I I don't yeah. See what differences it makes, but I'm I'm happy to salary sacrifice. And, yeah, we'll just concentrate on getting the mortgage down. And, yeah, we'll we'll go on your advice on what to do and, yeah, hopefully, I'll trump you doesn't do anything too silly in the meantime. Yeah. Yep. Yep. Hello? Yep. Yep. That sounds that sounds good. Yeah. Let's let's have a look at that. Yep. Yep. Yeah. Yep. No. We haven't. No. But, yeah, we've we've yeah. We need to do that sooner rather than later. Yeah. Yeah. We'll get on we'll get on yeah. We'll get on to that. Yeah. Yep. Yep. Yes. Mhmm. Yep. Yep. So what was the waiting period? What was the waiting period for that? Or you're even let's see, even sixty days. Do you have that figure at all or or not? Mhmm. Yeah. Okay. Yeah. Yeah. Okay. Oh, let me let me check to the wife about that. We we might just leave it where it is. Worst comes to the worst, if I get if I can work, my wife can go full time. So, yeah, let let let's leave it at ninety days for now, and I'll have a chat to the wife and because that's a little quite a little quite a lot more, isn't it? Yeah. Okay. Yeah. Yeah. Yeah. Okay. Okay. Is it worth I mean, even with mine with with the actual insurance policy, they what if I got 332,000, was it? Okay. Yeah. So yeah. Yeah. Okay. Is it is it worth dropping that down or just just so we're getting more sort of more growth into the super? I know it's a bit of a Mhmm. Yep. Yep. Yeah. Okay. Alright. Okay. Yep. Okay. Yep. Yep. No. No. I appreciate that. Okay. Well, if if you think we're tracking alright, and we we start with a salary sacrifice, and I'll discuss with the wife whether you know, if if it's worth dropping the insurance policy and the I think we'll leave the waiting time as is with the income protection. Yeah. I think yeah. If we can yeah. I think that that'll be the goal for now. Mhmm. Awesome. Okay. Yep. Okay. Yep. Yeah. Nice. Yep. Okay. What what's your maximum increase in fees a year? Okay. Okay. Okay. Okay. Okay. Yeah. Well, we knew that. I knew that when we when we signed up. Yeah. That that that there could be increases. So yep. That's alright. As long as you keep us in the know on on what the increases are and and was another twelve months. So yep. Mhmm. Yep. Okay. Okay. Oh, just had another question. It's gone. I can't remember now. Okay. Well, okay. Well, that all sounds pretty good. So yeah. You know, you guys are official, so we'll we'll go on on on your advice. And yeah. Yeah. I mean, we the the first couple of years, we had a we had a pretty good growth, especially the first year. What are we what percentage are we running at at the moment? So what's your name again? Tom. Yeah. Are are you are we sort of 7%, 8%? Or Hello? Yep. Okay. That sounds good to me, Tom. Well, we could do with it. Yep. We will. Yep. Mhmm. Okay. That sounds good. I'll have a I'll have a chat with the wife. We'll get the the wheels sorted as well, and and I'll have a quick chat with her about just dropping maybe just dropping the the life insurance down a little bit. You you you think it's you don't seem to think it's a biggie, the money that's gonna be saved? Yep. Yeah. Yeah. Okay. Alright then. Okay. If you can get that sent through, we'll we'll we'll we'll have a read through everything and and then hear from you in two weeks. You know, I really appreciate that. It's, you know, I was I'm I'm I'm thinking I should have probably changed over a lot sooner. I think I left my run a bit late, but we're we're with you guys now, and we've had good results. So, yeah, we've yeah. Just wanna, yeah, get get to that point where we're gonna be you know, we're not asking for a huge retirement. We're just hoping that we can live comfortably. You know? So that that seems to be the goal for everyone. So yeah. Yeah. Yeah. That's that's pretty much it. So yeah. We're we're sort of fairly simple people. We just we we live a simple life. So yeah. We're not too extravagant. So, yeah, that that would be good. It'd be a good result. Alright. Thank you, mate. Bye. 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Good. Thanks. Yourself? Yeah.\n\nIt's not too bad. Yeah. Yeah. 141272 And 74 A Bunker Road, Victoria Point. Yeah.\n\nYeah. That's fine. Yep. Yep. Yep.\n\nYep. If you could just walk us through, it'd be good. Yeah. Just don't have my glasses on me with me at the moment. Okay.\n\nThat's good. Yep. Yeah. Yeah. Yeah.\n\nPossibility. Yeah. If it if it is possible, I'm not sure what's involved in, you know, the strategies that you take to for that to happen. Obviously, I need to go into a higher risk sort of is that what we're looking at or if that was the case? Yep.\n\nOkay. Yep. Look, the wife's size, I wanted an investment property, but I think we're we're our main goal really at the moment is probably is to to get the mortgage paid off, I think. Yeah. It's it's I'll probably need to sit down with the wife and have a good chat about about that.\n\nBut I thought the because you can't use your super, can you, for a property now. Is that correct? Yeah. Yeah. Yep.\n\nYeah. That's wrong. Yep. Yep. Yeah.\n\nYeah. Mhmm. I haven't no agreement on our tax yet, so I'm not sure what what that amount would be. But, yeah, I'd have to I'd have to sort of wait until I get my get my tax, I guess. Yeah.\n\nLook. I think I was probably when I mentioned retiring a little bit early. What what age do I got down there for retirement at the moment? Yeah. Yep.\n\nMhmm. Okay. Yep. Yeah. Look.\n\nI don't really wanna be working till I'm 60 five. If there is a way that I can retire a little bit earlier than that, I mean, it would probably involve, you know, selling this place and and and downsizing, obviously. So, yeah, it's all sort of a bit hypothetical at the moment. But, yeah, I mean well, yeah, it would be nice to know what sort of strategy I'd have to what I'd have to do to sort of attain that. But Yep.\n\nYep. Mhmm. Yep. Okay. Yep.\n\nSo it doesn't sound unreasonable. Yep. Yep. Yeah. Okay.\n\nYep. Yeah. Okay. Yep. Yeah.\n\nAlright. Yeah. Mhmm. Yeah. Okay.\n\nYep. Mhmm. Yep. Yeah. Yeah.\n\nYeah. It's good to know, actually. Yeah. Yep. Yep.\n\nMhmm. Yeah. Right. Okay. Is it is it feasible to do that just with the way the the with the with the way the world is at the moment and how unstable it is.\n\nAnd, I mean, are we better off just sticking with what we've got? Or mhmm. Yep. Yeah. Yep.\n\nMhmm. Yep. Yep. Yep. Okay.\n\nYeah. Well yeah. Well yes. Yes. Salary sacrifice is something we can look at.\n\nSure. Yep. Yep. Yep. Yeah.\n\nI think yeah. If we can just, yeah, boost the super up a bit more than even for those $50 a week, we can that's certainly doable. So, yeah, I think that's probably not a bad idea. Just to Yep. Yep.\n\nYeah. That that's that's fine. Yeah. Uh-huh. Yep.\n\nYep. Pretty good. Mhmm. Yeah. It's always a bit of a concern, isn't it?\n\nYou know, I often wonder what's gonna happen, you know, with with pricing, you know, everything's going on in The Middle East and how that's gonna affect the share market. You know, is it gonna be collapsed? Is there you know, it's sort of a bit worrying. But yeah. Okay.\n\nWell so you you're basically saying to stick with what what what I've got, maybe salary salary sacrifice and and and basically sort of see how we go for for a little while. Okay. Yep. Yep. Mhmm.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nOkay. Alright. Well, it sounds like a plan. Yep. So yes.\n\nSo yeah. I'm just but I know it's hard to to know what's gonna happen with the share market, but do you move certain shares around when you see it's getting volatile, like, into into cash? Or is there does you know, if if things start kicking off in The Middle East, is are all the shares sort of set in place or and where you're investing? Yeah. I can.\n\nYeah. Okay. Yep. Okay. Yep.\n\nOkay. Yep. Okay. Yep. Mhmm.\n\nOkay. Okay. That sounds good. Yeah. Okay.\n\nYeah. Okay. Yeah. No. That's it sounds good.\n\nYeah. It's it's obviously pretty hard. You don't have a crystal ball to look at things, but it's interesting to know that yeah. You're you're saying on average, every sort of ten years, it's a crash, basically. So, yeah, so we're we're overdue.\n\nYep. Yeah. That's right. Yeah. Okay.\n\nMhmm. Yep. Okay. Yeah. Okay.\n\nYep. Alright. Well, you guys are the professionals, so it sounds sounds sounds like you got that sort of cover the bases sort of. Yeah. Okay.\n\nYeah. So the last sort of you're saying the last sort of seven years is a real sort of where you really need to sort of perform. And I'd say that most of your growth is here, the last sort of five, seven years. Yeah. Mhmm.\n\nYeah. Yeah. Okay. Well, if you can, you know, get a couple of projections on, you know, with this with the salary sacrifice and the fees. I I don't yeah.\n\nSee what differences it makes, but I'm I'm happy to salary sacrifice. And, yeah, we'll just concentrate on getting the mortgage down. And, yeah, we'll we'll go on your advice on what to do and, yeah, hopefully, I'll trump you doesn't do anything too silly in the meantime. Yeah. Yep.\n\nYep. Hello? Yep. Yep. That sounds that sounds good.\n\nYeah. Let's let's have a look at that. Yep. Yep. Yeah.\n\nYep. No. We haven't. No. But, yeah, we've we've yeah.\n\nWe need to do that sooner rather than later. Yeah. Yeah. We'll get on we'll get on yeah. We'll get on to that.\n\nYeah. Yep. Yep. Yes. Mhmm.\n\nYep. Yep. So what was the waiting period? What was the waiting period for that? Or you're even let's see, even sixty days.\n\nDo you have that figure at all or or not? Mhmm. Yeah. Okay. Yeah.\n\nYeah. Okay. Oh, let me let me check to the wife about that. We we might just leave it where it is. Worst comes to the worst, if I get if I can work, my wife can go full time.\n\nSo, yeah, let let let's leave it at ninety days for now, and I'll have a chat to the wife and because that's a little quite a little quite a lot more, isn't it? Yeah. Okay. Yeah. Yeah.\n\nYeah. Okay. Okay. Is it worth I mean, even with mine with with the actual insurance policy, they what if I got 332,000, was it? Okay.\n\nYeah. So yeah. Yeah. Okay. Is it is it worth dropping that down or just just so we're getting more sort of more growth into the super?\n\nI know it's a bit of a Mhmm. Yep. Yep. Yeah. Okay.\n\nAlright. Okay. Yep. Okay. Yep.\n\nYep. No. No. I appreciate that. Okay.\n\nWell, if if you think we're tracking alright, and we we start with a salary sacrifice, and I'll discuss with the wife whether you know, if if it's worth dropping the insurance policy and the I think we'll leave the waiting time as is with the income protection. Yeah. I think yeah. If we can yeah. I think that that'll be the goal for now.\n\nMhmm. Awesome. Okay. Yep. Okay.\n\nYep. Yeah. Nice. Yep. Okay.\n\nWhat what's your maximum increase in fees a year? Okay. Okay. Okay. Okay.\n\nOkay. Yeah. Well, we knew that. I knew that when we when we signed up. Yeah.\n\nThat that that there could be increases. So yep. That's alright. As long as you keep us in the know on on what the increases are and and was another twelve months. So yep.\n\nMhmm. Yep. Okay. Okay. Oh, just had another question.\n\nIt's gone. I can't remember now. Okay. Well, okay. Well, that all sounds pretty good.\n\nSo yeah. You know, you guys are official, so we'll we'll go on on on your advice. And yeah. Yeah. I mean, we the the first couple of years, we had a we had a pretty good growth, especially the first year.\n\nWhat are we what percentage are we running at at the moment? So what's your name again? Tom. Yeah. Are are you are we sort of 7%, 8%?\n\nOr Hello? Yep. Okay. That sounds good to me, Tom. Well, we could do with it.\n\nYep. We will. Yep. Mhmm. Okay.\n\nThat sounds good. I'll have a I'll have a chat with the wife. We'll get the the wheels sorted as well, and and I'll have a quick chat with her about just dropping maybe just dropping the the life insurance down a little bit. You you you think it's you don't seem to think it's a biggie, the money that's gonna be saved? Yep.\n\nYeah. Yeah. Okay. Alright then. Okay.\n\nIf you can get that sent through, we'll we'll we'll we'll have a read through everything and and then hear from you in two weeks. You know, I really appreciate that. It's, you know, I was I'm I'm I'm thinking I should have probably changed over a lot sooner. I think I left my run a bit late, but we're we're with you guys now, and we've had good results. So, yeah, we've yeah.\n\nJust wanna, yeah, get get to that point where we're gonna be you know, we're not asking for a huge retirement. We're just hoping that we can live comfortably. You know? So that that seems to be the goal for everyone. So yeah.\n\nYeah. Yeah. That's that's pretty much it. So yeah. We're we're sort of fairly simple people.\n\nWe just we we live a simple life. So yeah. We're not too extravagant. So, yeah, that that would be good. It'd be a good result.\n\nAlright. Thank you, mate. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.06652358174324036},{"text":"Good.","start":7.52,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5756056308746338},{"text":"Thanks.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.6964995265007019},{"text":"Yourself?","start":8.08,"end":8.58,"sentiment":"positive","sentiment_score":0.5406924486160278},{"text":"Yeah.","start":12.719999,"end":12.96,"sentiment":"positive","sentiment_score":0.34967681765556335}],"sentiment":"positive","sentiment_score":0.44579960107803346,"num_words":5,"start":0.0,"end":12.96},{"sentences":[{"text":"It's not too 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happen.","start":104.715,"end":112.475,"sentiment":"neutral","sentiment_score":-0.16314159302661815},{"text":"Obviously, I need to go into a higher risk sort of is that what we're looking at or if that was the case?","start":112.475,"end":123.08,"sentiment":"neutral","sentiment_score":-0.17727957989858545},{"text":"Yep.","start":132.435,"end":132.935,"sentiment":"neutral","sentiment_score":0.18537414073944092}],"sentiment":"neutral","sentiment_score":-0.15692392714321612,"num_words":50,"start":102.395,"end":132.935},{"sentences":[{"text":"Okay.","start":171.26,"end":171.66,"sentiment":"neutral","sentiment_score":0.11223599314689636},{"text":"Yep.","start":171.66,"end":172.16,"sentiment":"neutral","sentiment_score":0.12480752170085908},{"text":"Look, the wife's size, I wanted an investment property, but I think we're we're our main goal really at the moment is probably is to to get the mortgage paid off, I 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correct?","start":227.58,"end":228.48001,"sentiment":"neutral","sentiment_score":0.014426850403348604},{"text":"Yeah.","start":234.46,"end":234.96,"sentiment":"neutral","sentiment_score":0.01089468039572239},{"text":"Yeah.","start":235.02,"end":235.52,"sentiment":"neutral","sentiment_score":-0.0153144970536232},{"text":"Yep.","start":239.26001,"end":239.76001,"sentiment":"neutral","sentiment_score":0.007554896175861359}],"sentiment":"neutral","sentiment_score":-0.06536157124421814,"num_words":22,"start":216.945,"end":239.76001},{"sentences":[{"text":"Yeah.","start":242.83499,"end":243.075,"sentiment":"neutral","sentiment_score":-0.14790204167366028},{"text":"That's 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wait until I get my get my tax, I guess.","start":306.795,"end":318.26498,"sentiment":"neutral","sentiment_score":-0.13620202643796803},{"text":"Yeah.","start":318.98123,"end":319.48123,"sentiment":"neutral","sentiment_score":0.015794921666383743}],"sentiment":"neutral","sentiment_score":-0.1864262215066247,"num_words":41,"start":274.345,"end":319.48123},{"sentences":[{"text":"Look.","start":320.1975,"end":320.6975,"sentiment":"neutral","sentiment_score":0.0127630103379488},{"text":"I think I was probably when I mentioned retiring a little bit early.","start":321.41376,"end":331.895,"sentiment":"neutral","sentiment_score":0.0026723739619438466},{"text":"What what age do I got down there for retirement at the 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is it feasible to do that just with the way the the with the with the way the world is at the moment and how unstable it is.","start":583.765,"end":596.2,"sentiment":"neutral","sentiment_score":-0.24699113201349973}],"sentiment":"neutral","sentiment_score":-0.21331663851571434,"num_words":34,"start":577.445,"end":596.2},{"sentences":[{"text":"And, I mean, are we better off just sticking with what we've got?","start":596.2,"end":602.8,"sentiment":"neutral","sentiment_score":-0.21258506178855896},{"text":"Or 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yeah.","start":659.605,"end":660.40497,"sentiment":"neutral","sentiment_score":0.04916252940893173},{"text":"Well yes.","start":660.40497,"end":661.365,"sentiment":"neutral","sentiment_score":0.0485916193574667},{"text":"Yes.","start":661.365,"end":661.765,"sentiment":"neutral","sentiment_score":0.08327758312225342},{"text":"Salary sacrifice is something we can look 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it worth I mean, even with mine with with the actual insurance policy, they what if I got 332,000, was it?","start":1619.405,"end":1631.26,"sentiment":"neutral","sentiment_score":-0.0037587932945991106},{"text":"Okay.","start":1633.3201,"end":1633.8201,"sentiment":"neutral","sentiment_score":0.004484882578253746}],"sentiment":"neutral","sentiment_score":-0.00437097496782931,"num_words":26,"start":1613.13,"end":1633.8201},{"sentences":[{"text":"Yeah.","start":1634.68,"end":1635.0801,"sentiment":"neutral","sentiment_score":0.006352744996547699},{"text":"So yeah.","start":1635.0801,"end":1636.14,"sentiment":"neutral","sentiment_score":-0.00849544070661068},{"text":"Yeah.","start":1636.76,"end":1637.2401,"sentiment":"neutral","sentiment_score":0.002539323642849922},{"text":"Okay.","start":1637.2401,"end":1637.7401,"sentiment":"neutral","sentiment_score":0.007876884192228317},{"text":"Is it is it worth dropping that down or just just so we're getting more sort of more growth into the super?","start":1637.88,"end":1646.6151,"sentiment":"neutral","sentiment_score":-0.040270557584749025}],"sentiment":"neutral","sentiment_score":-0.03282126649800274,"num_words":27,"start":1634.68,"end":1646.6151},{"sentences":[{"text":"I know it's a bit of a Mhmm.","start":1647.9551,"end":1658.03,"sentiment":"neutral","sentiment_score":-0.05032199097331613},{"text":"Yep.","start":1661.93,"end":1662.25,"sentiment":"neutral","sentiment_score":0.08789825439453125},{"text":"Yep.","start":1662.25,"end":1662.75,"sentiment":"neutral","sentiment_score":0.12447025626897812},{"text":"Yeah.","start":1677.255,"end":1677.495,"sentiment":"neutral","sentiment_score":0.0992482453584671},{"text":"Okay.","start":1677.495,"end":1677.995,"sentiment":"neutral","sentiment_score":0.12582242488861084}],"sentiment":"neutral","sentiment_score":0.0029052710936715207,"num_words":12,"start":1647.9551,"end":1677.995},{"sentences":[{"text":"Alright.","start":1680.775,"end":1681.275,"sentiment":"neutral","sentiment_score":0.20011895895004272},{"text":"Okay.","start":1685.495,"end":1685.995,"sentiment":"neutral","sentiment_score":0.24281471967697144},{"text":"Yep.","start":1698.5,"end":1698.74,"sentiment":"neutral","sentiment_score":0.1921040117740631},{"text":"Okay.","start":1698.74,"end":1699.24,"sentiment":"neutral","sentiment_score":0.16937902569770813},{"text":"Yep.","start":1709.205,"end":1709.705,"sentiment":"neutral","sentiment_score":0.10706426948308943}],"sentiment":"neutral","sentiment_score":0.18229619711637496,"num_words":5,"start":1680.775,"end":1709.705},{"sentences":[{"text":"Yep.","start":1709.7649,"end":1710.0049,"sentiment":"neutral","sentiment_score":0.07639125734567642},{"text":"No.","start":1710.0049,"end":1710.245,"sentiment":"neutral","sentiment_score":-0.13674341142177582},{"text":"No.","start":1710.245,"end":1710.325,"sentiment":"neutral","sentiment_score":-0.16770248115062714},{"text":"I appreciate that.","start":1710.325,"end":1711.3849,"sentiment":"neutral","sentiment_score":0.05671605716149012},{"text":"Okay.","start":1712.085,"end":1712.4049,"sentiment":"neutral","sentiment_score":0.022778842598199844}],"sentiment":"neutral","sentiment_score":-0.005018231592008046,"num_words":7,"start":1709.7649,"end":1712.4049},{"sentences":[{"text":"Well, if if you think we're tracking alright, and we we start with a salary sacrifice, and I'll discuss with the wife whether you know, if if it's worth dropping the insurance policy and the I think we'll leave the waiting time as is with the income protection.","start":1712.4049,"end":1730.3451,"sentiment":"neutral","sentiment_score":-0.00017390949263547859},{"text":"Yeah.","start":1732.005,"end":1732.3251,"sentiment":"neutral","sentiment_score":0.08559058606624603},{"text":"I think yeah.","start":1732.3251,"end":1733.525,"sentiment":"neutral","sentiment_score":0.15810713171958923},{"text":"If we can yeah.","start":1733.525,"end":1736.645,"sentiment":"neutral","sentiment_score":0.1831182986497879},{"text":"I think that that'll be the goal for now.","start":1736.645,"end":1739.4651,"sentiment":"neutral","sentiment_score":0.24871187739902073}],"sentiment":"neutral","sentiment_score":0.0541914525656746,"num_words":65,"start":1712.4049,"end":1739.4651},{"sentences":[{"text":"Mhmm.","start":1747.5801,"end":1748.0801,"sentiment":"neutral","sentiment_score":0.1907588541507721},{"text":"Awesome.","start":1759.845,"end":1760.345,"sentiment":"positive","sentiment_score":0.6167961359024048},{"text":"Okay.","start":1760.485,"end":1760.985,"sentiment":"positive","sentiment_score":0.4424065947532654},{"text":"Yep.","start":1769.59,"end":1770.09,"sentiment":"neutral","sentiment_score":0.14734378457069397},{"text":"Okay.","start":1792.885,"end":1793.2051,"sentiment":"neutral","sentiment_score":0.126880943775177}],"sentiment":"neutral","sentiment_score":0.3048372626304626,"num_words":5,"start":1747.5801,"end":1793.2051},{"sentences":[{"text":"Yep.","start":1793.2051,"end":1793.7051,"sentiment":"neutral","sentiment_score":0.1544296145439148},{"text":"Yeah.","start":1796.96,"end":1797.28,"sentiment":"neutral","sentiment_score":0.29532140493392944},{"text":"Nice.","start":1797.28,"end":1797.78,"sentiment":"positive","sentiment_score":0.5347704887390137},{"text":"Yep.","start":1810.1151,"end":1810.435,"sentiment":"neutral","sentiment_score":0.1102021187543869},{"text":"Okay.","start":1810.435,"end":1810.915,"sentiment":"neutral","sentiment_score":0.06938246637582779}],"sentiment":"neutral","sentiment_score":0.23282121866941452,"num_words":5,"start":1793.2051,"end":1810.915},{"sentences":[{"text":"What what's your maximum increase in fees a year?","start":1810.915,"end":1815.5751,"sentiment":"neutral","sentiment_score":0.02284644337164031},{"text":"Okay.","start":1819.9551,"end":1820.4551,"sentiment":"neutral","sentiment_score":0.024803917855024334},{"text":"Okay.","start":1833.1,"end":1833.6,"sentiment":"neutral","sentiment_score":0.030871331691741943},{"text":"Okay.","start":1834.3,"end":1834.8,"sentiment":"neutral","sentiment_score":0.03843095153570175},{"text":"Okay.","start":1847.125,"end":1847.625,"sentiment":"neutral","sentiment_score":0.018837882205843925}],"sentiment":"neutral","sentiment_score":0.024504774894851904,"num_words":13,"start":1810.915,"end":1847.625},{"sentences":[{"text":"Okay.","start":1847.765,"end":1848.265,"sentiment":"neutral","sentiment_score":0.011511015705764294},{"text":"Yeah.","start":1848.885,"end":1849.125,"sentiment":"neutral","sentiment_score":0.016277506947517395},{"text":"Well, we knew that.","start":1849.125,"end":1849.925,"sentiment":"neutral","sentiment_score":0.004450078937225044},{"text":"I knew that when we when we signed up.","start":1849.925,"end":1851.845,"sentiment":"neutral","sentiment_score":0.0029639904904696676},{"text":"Yeah.","start":1851.845,"end":1852.345,"sentiment":"neutral","sentiment_score":0.0034214435145258904}],"sentiment":"neutral","sentiment_score":0.004730387270683423,"num_words":16,"start":1847.765,"end":1852.345},{"sentences":[{"text":"That that that there could be increases.","start":1852.46,"end":1854.0,"sentiment":"neutral","sentiment_score":-0.02395841958267348},{"text":"So yep.","start":1854.14,"end":1855.42,"sentiment":"neutral","sentiment_score":0.005090475548058748},{"text":"That's alright.","start":1855.42,"end":1855.98,"sentiment":"neutral","sentiment_score":0.08633901923894882},{"text":"As long as you keep us in the know on on what the increases are and and was another twelve months.","start":1855.98,"end":1862.54,"sentiment":"neutral","sentiment_score":0.08328076469756308},{"text":"So yep.","start":1862.54,"end":1864.08,"sentiment":"neutral","sentiment_score":0.11186239868402482}],"sentiment":"neutral","sentiment_score":0.05846385025035809,"num_words":34,"start":1852.46,"end":1864.08},{"sentences":[{"text":"Mhmm.","start":1875.7051,"end":1875.785,"sentiment":"neutral","sentiment_score":0.03222455084323883},{"text":"Yep.","start":1875.785,"end":1876.285,"sentiment":"neutral","sentiment_score":0.05162264034152031},{"text":"Okay.","start":1892.42,"end":1892.92,"sentiment":"neutral","sentiment_score":-0.03777933120727539},{"text":"Okay.","start":1893.935,"end":1894.435,"sentiment":"neutral","sentiment_score":-0.03777127712965011},{"text":"Oh, just had another question.","start":1897.055,"end":1898.435,"sentiment":"neutral","sentiment_score":-0.05960834845900535}],"sentiment":"neutral","sentiment_score":-0.03219390660524368,"num_words":9,"start":1875.7051,"end":1898.435},{"sentences":[{"text":"It's gone.","start":1899.935,"end":1900.595,"sentiment":"neutral","sentiment_score":-0.18209950625896454},{"text":"I can't remember now.","start":1906.04,"end":1907.34,"sentiment":"neutral","sentiment_score":-0.12841450236737728},{"text":"Okay.","start":1908.12,"end":1908.62,"sentiment":"neutral","sentiment_score":-0.004646738991141319},{"text":"Well, okay.","start":1909.24,"end":1911.96,"sentiment":"neutral","sentiment_score":0.06817832589149475},{"text":"Well, that all sounds pretty good.","start":1911.96,"end":1913.48,"sentiment":"positive","sentiment_score":0.39658724268277484}],"sentiment":"neutral","sentiment_score":0.10889175646007061,"num_words":15,"start":1899.935,"end":1913.48},{"sentences":[{"text":"So yeah.","start":1913.48,"end":1914.54,"sentiment":"neutral","sentiment_score":0.2730283737182617},{"text":"You know, you guys are official, so we'll we'll go on on on your advice.","start":1914.8,"end":1920.6,"sentiment":"neutral","sentiment_score":0.25050381720066073},{"text":"And yeah.","start":1920.6,"end":1923.5549,"sentiment":"neutral","sentiment_score":0.15427591651678085},{"text":"Yeah.","start":1925.615,"end":1925.9349,"sentiment":"neutral","sentiment_score":0.2248012125492096},{"text":"I mean, we the the first couple of years, we had a we had a pretty good growth, especially the first year.","start":1925.9349,"end":1931.635,"sentiment":"neutral","sentiment_score":0.3311128541827202}],"sentiment":"neutral","sentiment_score":0.288605948644025,"num_words":42,"start":1913.48,"end":1931.635},{"sentences":[{"text":"What are we what percentage are we running at at the moment?","start":1932.255,"end":1935.235,"sentiment":"neutral","sentiment_score":0.029372437624260783},{"text":"So what's your name again?","start":1936.54,"end":1937.52,"sentiment":"neutral","sentiment_score":0.0018179463222622871},{"text":"Tom.","start":1939.58,"end":1940.08,"sentiment":"neutral","sentiment_score":0.011534389108419418},{"text":"Yeah.","start":1940.14,"end":1940.64,"sentiment":"neutral","sentiment_score":0.015377790667116642},{"text":"Are are you are we sort of 7%, 8%?","start":1941.02,"end":1943.74,"sentiment":"neutral","sentiment_score":-0.008978270408180025}],"sentiment":"neutral","sentiment_score":0.010988097471584166,"num_words":28,"start":1932.255,"end":1943.74},{"sentences":[{"text":"Or Hello?","start":1943.74,"end":1967.3099,"sentiment":"neutral","sentiment_score":0.010825727134943008},{"text":"Yep.","start":1981.155,"end":1981.655,"sentiment":"neutral","sentiment_score":-0.026697266846895214},{"text":"Okay.","start":1987.315,"end":1987.815,"sentiment":"neutral","sentiment_score":0.08706878125667572},{"text":"That sounds good to me, Tom.","start":1993.955,"end":1997.2,"sentiment":"positive","sentiment_score":0.6292077998320261},{"text":"Well, we could do with it.","start":1997.4,"end":2000.54,"sentiment":"neutral","sentiment_score":0.29511424402395886}],"sentiment":"positive","sentiment_score":0.35174720198847353,"num_words":16,"start":1943.74,"end":2000.54},{"sentences":[{"text":"Yep.","start":2007.0,"end":2007.3201,"sentiment":"neutral","sentiment_score":0.13770054280757904},{"text":"We will.","start":2007.3201,"end":2007.945,"sentiment":"neutral","sentiment_score":0.13131222128868103},{"text":"Yep.","start":2008.0249,"end":2008.5249,"sentiment":"neutral","sentiment_score":0.14642035961151123},{"text":"Mhmm.","start":2022.2649,"end":2022.6649,"sentiment":"neutral","sentiment_score":0.09437981247901917},{"text":"Okay.","start":2022.6649,"end":2022.985,"sentiment":"neutral","sentiment_score":0.24957746267318728}],"sentiment":"neutral","sentiment_score":0.14845043669144312,"num_words":6,"start":2007.0,"end":2022.985},{"sentences":[{"text":"That sounds good.","start":2022.985,"end":2023.89,"sentiment":"positive","sentiment_score":0.48125425974527997},{"text":"I'll have a I'll have a chat with the wife.","start":2024.29,"end":2025.97,"sentiment":"neutral","sentiment_score":0.20139812380075456},{"text":"We'll get the the wheels sorted as well, and and I'll have a quick chat with her about just dropping maybe just dropping the the life insurance down a little bit.","start":2025.97,"end":2039.965,"sentiment":"neutral","sentiment_score":0.13510866258894244},{"text":"You you you think it's you don't seem to think it's a biggie, the money that's gonna be saved?","start":2042.505,"end":2048.765,"sentiment":"neutral","sentiment_score":-0.027815389642982108},{"text":"Yep.","start":2057.91,"end":2058.41,"sentiment":"neutral","sentiment_score":-0.027445344254374504}],"sentiment":"neutral","sentiment_score":0.11078398140671197,"num_words":64,"start":2022.985,"end":2058.41},{"sentences":[{"text":"Yeah.","start":2063.59,"end":2063.99,"sentiment":"neutral","sentiment_score":0.02071831375360489},{"text":"Yeah.","start":2063.99,"end":2064.49,"sentiment":"neutral","sentiment_score":0.02787602506577969},{"text":"Okay.","start":2064.63,"end":2065.13,"sentiment":"neutral","sentiment_score":0.039795443415641785},{"text":"Alright then.","start":2066.295,"end":2067.1948,"sentiment":"neutral","sentiment_score":0.07543069869279861},{"text":"Okay.","start":2068.4548,"end":2068.775,"sentiment":"neutral","sentiment_score":0.07122831046581268}],"sentiment":"neutral","sentiment_score":0.05174658168107271,"num_words":6,"start":2063.59,"end":2068.775},{"sentences":[{"text":"If you can get that sent through, we'll we'll we'll we'll have a read through everything and and then hear from you in two weeks.","start":2068.775,"end":2078.155,"sentiment":"neutral","sentiment_score":0.0910404971241951},{"text":"You know, I really appreciate that.","start":2096.965,"end":2098.3252,"sentiment":"positive","sentiment_score":0.3572351063291232},{"text":"It's, you know, I was I'm I'm I'm thinking I should have probably changed over a lot sooner.","start":2098.3252,"end":2104.905,"sentiment":"neutral","sentiment_score":0.03173112512255708},{"text":"I think I left my run a bit late, but we're we're with you guys now, and we've had good results.","start":2104.965,"end":2110.8,"sentiment":"neutral","sentiment_score":0.29224087812361266},{"text":"So, yeah, we've yeah.","start":2110.8,"end":2112.8,"sentiment":"neutral","sentiment_score":0.12892061099410057}],"sentiment":"neutral","sentiment_score":0.15734221895753936,"num_words":74,"start":2068.775,"end":2112.8},{"sentences":[{"text":"Just wanna, yeah, get get to that point where we're gonna be you know, we're not asking for a huge retirement.","start":2112.8,"end":2120.18,"sentiment":"neutral","sentiment_score":0.2596958453456561},{"text":"We're just hoping that we can live comfortably.","start":2120.24,"end":2123.575,"sentiment":"positive","sentiment_score":0.37564292550086975},{"text":"You know?","start":2123.575,"end":2124.055,"sentiment":"neutral","sentiment_score":0.28483884036540985},{"text":"So that that seems to be the goal for everyone.","start":2124.055,"end":2127.035,"sentiment":"positive","sentiment_score":0.45919065475463866},{"text":"So yeah.","start":2128.775,"end":2129.755,"sentiment":"neutral","sentiment_score":0.15197693556547165}],"sentiment":"neutral","sentiment_score":0.3238207966435787,"num_words":43,"start":2112.8,"end":2129.755},{"sentences":[{"text":"Yeah.","start":2134.535,"end":2135.035,"sentiment":"neutral","sentiment_score":0.06211455538868904},{"text":"Yeah.","start":2136.73,"end":2137.1301,"sentiment":"neutral","sentiment_score":0.21212661266326904},{"text":"That's that's pretty much it.","start":2137.1301,"end":2138.73,"sentiment":"neutral","sentiment_score":0.2879642128944397},{"text":"So yeah.","start":2138.73,"end":2139.71,"sentiment":"neutral","sentiment_score":0.27323053032159805},{"text":"We're we're sort of fairly simple people.","start":2139.85,"end":2141.61,"sentiment":"positive","sentiment_score":0.4310109998498644}],"sentiment":"neutral","sentiment_score":0.3298500182572752,"num_words":16,"start":2134.535,"end":2141.61},{"sentences":[{"text":"We just we we live a simple life.","start":2141.61,"end":2144.09,"sentiment":"positive","sentiment_score":0.4760535806417465},{"text":"So yeah.","start":2144.09,"end":2146.25,"sentiment":"positive","sentiment_score":0.3652978390455246},{"text":"We're not too extravagant.","start":2146.25,"end":2147.3901,"sentiment":"positive","sentiment_score":0.3563331514596939},{"text":"So, yeah, that that would be good.","start":2147.6902,"end":2151.275,"sentiment":"positive","sentiment_score":0.5539248585700989},{"text":"It'd be a good result.","start":2151.335,"end":2152.315,"sentiment":"positive","sentiment_score":0.6468815088272095}],"sentiment":"positive","sentiment_score":0.5029322493534821,"num_words":26,"start":2141.61,"end":2152.315},{"sentences":[{"text":"Alright.","start":2157.895,"end":2158.215,"sentiment":"positive","sentiment_score":0.3457523584365845},{"text":"Thank you, mate.","start":2158.215,"end":2159.115,"sentiment":"positive","sentiment_score":0.745567262172699},{"text":"Bye.","start":2161.255,"end":2161.415,"sentiment":"neutral","sentiment_score":0.317316472530365},{"text":"Bye.","start":2161.415,"end":2161.915,"sentiment":"neutral","sentiment_score":-0.11152496933937071}],"sentiment":"positive","sentiment_score":0.4647076080242793,"num_words":6,"start":2157.895,"end":2161.915}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Craig. It's Tommy Financial Mate senior How are you doing today?\n\nChannel 1: Good. Thanks. Yourself?\n\nChannel 0: I'm living the dream. It's a beautiful day on the go about your end.\n\nChannel 1: Yeah. It's not too bad. Yeah.\n\nChannel 0: Cool. I've got you booked in for a bit of an annual review. Now I'm gonna send a pack out to you, but just while I'm getting that organized, could I just confirm for security purpose your date of birth and address, ma'am?\n\nChannel 1: Yeah. 141272 And 74 A Bunker Road, Victoria Point.\n\nChannel 0: Sensation. And are you okay for the call to be recorded?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Perfect. So I have that Craig for Nat one hot mail address. Now\n\nChannel 1: Yep.\n\nChannel 0: if I the document pack out to that email, will you be able to look onto it with me?\n\nChannel 1: Yep. Yep.\n\nChannel 0: K. Not a 100% necessary. I can walk\n\nChannel 1: Yep.\n\nChannel 0: you through what's coming here if you find it difficult, you know, trying to be on the phone and look at an email at the same time. What's your difference?\n\nChannel 1: If you could just walk us through, it'd be good. Yeah. Just don't have my glasses on me with me at the moment.\n\nChannel 0: No. That's totally fair. I've got mine, and that should be enough for the both of us.\n\nChannel 1: Okay. That's good.\n\nChannel 0: Now in particular so I did a bit of a push up with Nat, and she did raise a couple of things with me just\n\nChannel 1: Yep.\n\nChannel 0: in terms of some updates to assets and liabilities. And so potentially a bit of a chat around an earlier retire for yourself. Does ring a bell? Does that make\n\nChannel 1: Yeah. Yeah. Yeah. Possibility. Yeah.\n\nIf it if it is possible, I'm not sure what's\n\nChannel 0: sense?\n\nChannel 1: involved in, you know, the strategies that you take to for that to happen. Obviously, I need to go into a higher risk sort of is that what we're looking at or if\n\nChannel 0: Potentially.\n\nChannel 1: that was the case?\n\nChannel 0: So there's there's three different ways to approach your retirement. And so I want to kind of just do a bit of a deep dive with you today on those options and\n\nChannel 1: Yep.\n\nChannel 0: see what might be possible. Now before I jump into that, I've sent that pack out just so you've got it. Just let's know what's in there. So there's some updated and performance for the super, certificate for the insurances, an update service guide with us just with life info, updated fee structures, and so on, as well as a couple of sort of items. There's a consent form for the services, but also a bit of a tax number opt in and just a quick ping to the government on a lost super search as well.\n\nNow\n\nChannel 1: Okay. Yep.\n\nChannel 0: the thing when it comes to kind of tying in retirement discussions is I just need to factor in a bit around the other cash flow and debt management goal you guys have. And there was a chat we had about finishing off the mortgage repayment and also potentially buying an invest property. Is that sort of, like, the main focus for you guys, or what would you\n\nChannel 1: Look,\n\nChannel 0: say?\n\nChannel 1: the wife's size, I wanted an investment property, but I think we're we're our main goal really at the moment is probably is to to get the mortgage paid off, I think. Yeah. It's it's I'll probably need to sit down with the wife and have a good chat about about that. But I thought the because you can't use your super, can you, for a property now. Is that correct?\n\nChannel 0: Yeah. They they put in some changes effective August 10 to\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: ban the super to borrow to buy a direct property these days. So\n\nChannel 1: Yep.\n\nChannel 0: it really comes down to, like, paying off the mortgage first,\n\nChannel 1: Yeah.\n\nChannel 0: paying\n\nChannel 1: That's\n\nChannel 0: up the\n\nChannel 1: wrong.\n\nChannel 0: super. If you\n\nChannel 1: Yep.\n\nChannel 0: can buy a property in your own name, great. If not, you know, do you your funds out of your retirement at buying one at the end of the day when you're 65 or something like that? If you're not these\n\nChannel 1: Yep.\n\nChannel 0: days. But yeah. So the main thing would be focusing on the personal assets first. And I'm just gonna put down as, like, your main priority for the goal, which is just paying off the mortgage. And\n\nChannel 1: Yeah.\n\nChannel 0: before I jump in options for you, I'm just gonna double check these details.\n\nChannel 1: Yeah.\n\nChannel 0: Let me know if this sounds correct. So we have you guys married with two children. Your truck driving still forward, j's waste disposal, j Richards and Sons. We've\n\nChannel 1: Mhmm.\n\nChannel 0: got we have had, obviously, tax seasons just come around. Ink was previously listed as 73,000. Do you have a bit of an update from the tax return this year?\n\nChannel 1: I haven't no agreement on our tax yet, so I'm not sure what what that amount would be. But, yeah, I'd have to I'd have to sort of wait until I get my get my\n\nChannel 0: Yep.\n\nChannel 1: tax,\n\nChannel 0: No. That's fair. I can keep\n\nChannel 1: I\n\nChannel 0: it 73 for now.\n\nChannel 1: guess.\n\nChannel 0: It just affects,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, project and\n\nChannel 1: Look.\n\nChannel 0: things like that because of the\n\nChannel 1: I\n\nChannel 0: contributions from work.\n\nChannel 1: think I was probably when I mentioned retiring a little bit early. What what age do I got down there for retirement at the moment?\n\nChannel 0: So we started with, like, eight fifty five. What\n\nChannel 1: Yeah.\n\nChannel 0: I was basically gonna say to that preservation age is 60 is the earliest and\n\nChannel 1: Yep.\n\nChannel 0: just kind of gave you what we'd be aiming for\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: as\n\nChannel 1: Yep. Yeah. Look. I don't really wanna be working till I'm 60\n\nChannel 0: a\n\nChannel 1: five. If there is a way that I can\n\nChannel 0: target.\n\nChannel 1: retire a little bit earlier than that, I mean, it would probably involve, you know, selling this place and and and downsizing, obviously. So, yeah, it's all sort of a bit hypothetical at the moment. But, yeah, I mean well, yeah, it would be nice to know what sort of strategy I'd have to what I'd have to do to sort of attain that. But\n\nChannel 0: Yeah. So I've got some good information up in front of me just in terms of, like, government retirement stand with ASSA, and this\n\nChannel 1: Yep.\n\nChannel 0: is pretty good starting point. So when I look at what they suggest, we had your previous goal that your option would be aimed, let's say, mortgage paid off with a thousand dollars a week plus\n\nChannel 1: Yep.\n\nChannel 0: from that as well, and that's after\n\nChannel 1: Mhmm.\n\nChannel 0: tax tax free.\n\nChannel 1: Yep.\n\nChannel 0: Now when it comes to the ask for retirement standards with government there, they do suggest about 78 combined for a couple. It kinda\n\nChannel 1: Okay.\n\nChannel 0: tracks to a similar similar outcome. You know, a thousand\n\nChannel 1: Yep.\n\nChannel 0: dollars a week from yours, $20 from hers, and it kind of adds up with the mortgage paid off\n\nChannel 1: So it doesn't\n\nChannel 0: is kind\n\nChannel 1: sound unreasonable.\n\nChannel 0: of no. So when it comes to retirement, the easiest way to think of it is, let's say, you've got a million dollars for this. You then put it into a pension account. When you're retired, you've got quite conservative with the risk of what you're investing in because you don't wanna be high\n\nChannel 1: Yep.\n\nChannel 0: risk because half is too because the stock market crashes.\n\nChannel 1: Yep.\n\nChannel 0: Now when you've got it in the conservative option, they usually aim for a four to 5% return. So I there and say, okay. If I've got a million dollars and I get a 5% return, that's from $50,000 a year, and the money won't go down.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Now if we go to a 10% withdrawal, so let's say you have 500,000 and pull out that $50 a year, it will slowly go down over time, and it will probably last around about twenty, twenty five years, which\n\nChannel 1: Yep.\n\nChannel 0: still carry you through to late eighties, early nineties.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: K? Now you guys are they combined currently at 575,000.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: So it's not that unattainable, especially on\n\nChannel 1: Yeah.\n\nChannel 0: seven to ten year time. And if I work back as per standard, we're basically saying that combined if you guys can get to $7.85, that's all your minimum. 1.5 is your your ideal situation that you'll never have to worry about again.\n\nChannel 1: Mhmm. Yeah. Okay.\n\nChannel 0: K. So not too far off. And it means that when you hit 6 or 62 that you can either go part time and fund the\n\nChannel 1: Yep.\n\nChannel 0: bidding super to top you up a bit or just\n\nChannel 1: Mhmm.\n\nChannel 0: hang up the boots completely and just know that the super will go down for a bit until that's kicked\n\nChannel 1: Yep.\n\nChannel 0: in. Neither one sounds that bad to me from what I can see where you are in a position.\n\nChannel 1: Yeah. Yeah. Yeah. It's good to know, actually. Yeah.\n\nChannel 0: And the thing too is that means so when it comes to risk levels, so you're in a growth portfolio at the moment.\n\nChannel 1: Yep.\n\nChannel 0: And generally speaking, you want eight or nine years to be in a growth risk profile to to make sure you can get the returns with the market going up and down. If\n\nChannel 1: Yep.\n\nChannel 0: we you up to high growth, and let's say we got your your shares and your property from 80% of your super to 9%, you're like like a solid date realistically because the market will once per ten years, and you\n\nChannel 1: Mhmm.\n\nChannel 0: need to have ten years to get the return average that you're on\n\nChannel 1: Yeah. Right.\n\nChannel 0: for.\n\nChannel 1: Okay. Is it\n\nChannel 0: Now\n\nChannel 1: is it feasible to do that just with the way the the with the with the way the world is at the moment and how unstable it is. And, I mean,\n\nChannel 0: Yeah.\n\nChannel 1: are we better off just sticking with what we've\n\nChannel 0: So\n\nChannel 1: got? Or\n\nChannel 0: yeah. That's what I'm sort of thinking about. Because let's say I put you in a high tomorrow, and we had another global financial crisis in 2000 '9.\n\nChannel 1: mhmm. Yep.\n\nChannel 0: Sitting at 456,000, you could very well wait in twelve months' time, and it's two hundred ninety thousand. And then you've gotta wait eight years for it to build back up to $56,000 again.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: K? Now the alternative is, what are you you're decently on track for that goal as it is, then what we really need to do is maintain that growth risk profile that you've got. Maybe\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit of engine because there's a of options in your portfolio I'm thinking of updating. And at the if you put in $50 a week at some point or something like\n\nChannel 1: Yep.\n\nChannel 0: that, that\n\nChannel 1: Yep.\n\nChannel 0: might just\n\nChannel 1: Yep.\n\nChannel 0: give you that extra little boost that you need to make sure it's\n\nChannel 1: Okay. Yeah. Well yeah.\n\nChannel 0: Does that\n\nChannel 1: Well\n\nChannel 0: sound a\n\nChannel 1: yes.\n\nChannel 0: bit more\n\nChannel 1: Yes. Salary sacrifice is something we can look at. Sure.\n\nChannel 0: now mortgage is obviously a big priority too, so that counts as well. So if I was to do that, point number one, I do wanna update the portfolio to make sure the return the\n\nChannel 1: Yep.\n\nChannel 0: point number two is we could start with a bit of a, you know, $50 a week to see how you and readjust it as we need to because you can turn it off if if things get you can turn it off work pretty quick.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: up to you if you want me to kind of add into a strategy document see the difference that make and if you wanna give that a go for a year and and see\n\nChannel 1: Yeah.\n\nChannel 0: how\n\nChannel 1: I\n\nChannel 0: we\n\nChannel 1: think yeah. If we can just, yeah, boost the super up a bit more than even for those $50 a week, we can that's certainly doable. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I think that's probably not a bad idea.\n\nChannel 0: Cool.\n\nChannel 1: Just\n\nChannel 0: So what\n\nChannel 1: to\n\nChannel 0: I'll do, I'm gonna do a very, very rough projection for you.\n\nChannel 1: Yep.\n\nChannel 0: I'll give you a full in the document that I put together, but this just gives you an idea of what it might do.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Here we\n\nChannel 1: That\n\nChannel 0: go.\n\nChannel 1: that's that's fine.\n\nChannel 0: Cool. So if you got 456,000 in there at the moment, and let's say you're on $73 and worked in usual 12% contributions, I'll chop off a bit of super tax that they do. And we got about $7.5 goes in. And let's see over the next ten years at the average, like 9% return for your growth that's pretty conservative. Still possibly be able to get close to $8,900 $1,000,000\n\nChannel 1: Yeah. Uh-huh.\n\nChannel 0: because this is that period, this last ten we keep up such a big base. If I get you, say, a 10% return next year, well, that's $50,000.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So you can\n\nChannel 1: Pretty\n\nChannel 0: see it\n\nChannel 1: good.\n\nChannel 0: gets very quick up there, but then at the same time, we have to reduce this down because every couple of years, we don't wanna be risking that big chunk take off of it.\n\nChannel 1: Mhmm. Yeah. It's always a bit of a concern, isn't it? You know, I often wonder what's gonna happen, you know, with with pricing, you know, everything's going on in The Middle East and how that's gonna affect the share market. You know, is it gonna be collapsed?\n\nIs there you know, it's sort of a bit worrying.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. Okay. Well so you you're basically saying to stick with what what what I've got, maybe salary salary sacrifice and and and basically sort of see how we go for for a little while.\n\nChannel 0: Yeah. In terms of risk\n\nChannel 1: Okay.\n\nChannel 0: level, definitely. I don't think I'd be increasing a risk level at this point.\n\nChannel 1: Yep.\n\nChannel 0: I want that to go for salary sacrifice and maybe adjust it, but just make sure that based on the you guys go with mortgage, how you go with that, whether we have to stop it, increase it, we can adjust that as well. And then, yeah, like, realistically, we start those amounts. One thing I wanna give you in terms of expectations because you're gonna have to, unfortunately, live through this transition that's going on with the AIs and the wars, anything like that\n\nChannel 1: Yep.\n\nChannel 0: right before your retirement, and you did just say it was a concern. So this is very realistic possibility that's pretty much where to happen\n\nChannel 1: Mhmm.\n\nChannel 0: is that sometime between now and '60, stock is gonna have to complete cash like it\n\nChannel 1: Yeah.\n\nChannel 0: did 2009, 2020, and so on.\n\nChannel 1: Yeah.\n\nChannel 0: And do factor that in. So in the good years, you get a ten, fifteen, 20% return per year. And then the bad years, it may actually go down 20 to 5%, even more if it's a big crash, which is why I\n\nChannel 1: Yeah.\n\nChannel 0: don't wanna go any higher than what you've currently got.\n\nChannel 1: Yep.\n\nChannel 0: But let's see what happens next year. You may then have a solid seven year growth after your contributions and your salary sacrifice. And before\n\nChannel 1: Yep.\n\nChannel 0: you know it, what could happen is you go four fifty to three seventy, and then in a couple of years' time, $7,800,000 and pretty much call it quits, protect it, position you into retirement.\n\nChannel 1: Okay. Alright. Well, it sounds like\n\nChannel 0: So\n\nChannel 1: a plan.\n\nChannel 0: just bear in mind that, like, I can't I'm the market. I don't know when it's gonna happen. I do just know that every five to ten years, it does happen. We\n\nChannel 1: Yep.\n\nChannel 0: use it as a of a buying opportunity.\n\nChannel 1: So\n\nChannel 0: But then we\n\nChannel 1: yes. So yeah. I'm just but I know it's hard to to know what's gonna happen with the share market, but\n\nChannel 0: sorry. Go.\n\nChannel 1: do you move certain shares around when you see it's getting volatile, like, into into cash? Or is there does you know, if if things start kicking off in The Middle East, is are all the shares sort of set in place or and\n\nChannel 0: Yeah.\n\nChannel 1: where you're investing?\n\nChannel 0: Yeah. So there's a couple of options. So we aren't throughout the year kind of as I I watch the stock market daily, the things happen when they they crash quite quickly, and we need to be able to get you to sign off documents to change things. And then by the time that happens, it's already bouncing back up again.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: we\n\nChannel 1: can.\n\nChannel 0: try and around with going to or anything like that. What we do do is a couple of things. So if we do a review and the market's jumped up quite a bit for the year, we can then away, start reducing saying, we're going above what we wanted to earn.\n\nChannel 1: Yeah.\n\nChannel 0: Now is\n\nChannel 1: Okay.\n\nChannel 0: the time to take some profit table\n\nChannel 1: Yep.\n\nChannel 0: in preparation for the next dip\n\nChannel 1: Okay.\n\nChannel 0: and vice versa when the market drops. So it is something to look at closely every three, six, nine, twelve months and if we adjust things, we we do those those adjustments then.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: The other one that we can do, and I'll look at this for you as well, is we have a portfolio called an SMA, a fully managed account, where basically we can put a bubble in your portfolio and move it to like a fee menu. What it basically means is that we have more access to change bad funds with good funds\n\nChannel 1: Okay.\n\nChannel 0: throughout the year. So\n\nChannel 1: Yep.\n\nChannel 0: if the fund manager completely wiped out or they're just doing a horrendous job,\n\nChannel 1: Mhmm.\n\nChannel 0: we can have a have changed to a better manager. We wouldn't sell it to cash and and, you know, time the market, but we can recognize when someone's doing bad enough, they need to be replaced.\n\nChannel 1: Okay.\n\nChannel 0: So if you okay to consider that, what I'll basically do is wanna compare your current portfolio with update of a couple of that I was thinking and then also that SMA structure, and then you and I can have out about which one go through.\n\nChannel 1: Okay. That sounds good.\n\nChannel 0: Okay? And I'll add in a bit of objection for the sorry, sacrifice so you can see what that does.\n\nChannel 1: Yeah. Okay. Yeah. Okay. Yeah.\n\nNo. That's it sounds good.\n\nChannel 0: Cool.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: It's it's obviously pretty hard. You don't have a crystal ball to look at things, but it's interesting to know that yeah. You're you're saying on average, every sort of ten years, it's a crash, basically. So, yeah, so we're we're overdue.\n\nChannel 0: Yeah. Well, we had the COVID one was pretty fun, and sometimes three years and sometimes it's fine, and you can't\n\nChannel 1: Yep.\n\nChannel 0: really tell when. And the thing is you don't wanna be sitting there not in this thing, getting\n\nChannel 1: Yeah.\n\nChannel 0: any of returns, and then just waiting for something to happen that doesn't happen for another ten years.\n\nChannel 1: That's right. Yeah. Okay.\n\nChannel 0: But the two things that we do do is, like I said, every review, we're gonna see how the market and what we need to adjust.\n\nChannel 1: Mhmm.\n\nChannel 0: And at the same time, when we build our portfolio, the investment committee, we do look at things like how the world's going to AI. So let's get a little bit of exposure to those companies, tech stocks, and things like that, but not so much that if that turns into a bubble and explode that your super gets backed out. So we do use the buzzword of diversification, and that's when you see those reports you send through the review pack, you've got eight different investment options because we're trying to spread you to different countries, different sectors to at least minimize the risk that if one big shock comes in one area, that\n\nChannel 1: Yep.\n\nChannel 0: affects\n\nChannel 1: Okay.\n\nChannel 0: yours disproportionately.\n\nChannel 1: Yeah. Okay. Yep. Alright. Well, you guys are the professionals, so it sounds sounds sounds like you got that sort of cover the bases sort of.\n\nChannel 0: And I do take it very seriously because at the end of the day, the last years is so important because whatever happens in the next decade, that's the life that you have afterwards to on.\n\nChannel 1: Yeah. Okay. Yeah. So the last sort of you're saying the last sort of seven years is a real sort of where you really need to sort of perform. And I'd say that most of your growth is here, the last sort of five,\n\nChannel 0: Yep.\n\nChannel 1: seven years. Yeah.\n\nChannel 0: You basically need to get the returns to get you those last few $100, and then you need to sell it and then protect it before it crashes.\n\nChannel 1: Mhmm.\n\nChannel 0: Not too early not to so that's why the reviews in the last ten years are so important. And we not serious discussions, but you know what I mean? We're gonna be it's not like you're thirty five years of stuff like, oh, yeah. That and forget it. Okay.\n\nChannel 1: Yeah. Yeah. Okay. Well, if you can, you know, get a couple of projections on, you know, with this with the salary sacrifice and\n\nChannel 0: Mhmm.\n\nChannel 1: the fees. I I don't yeah. See what differences it makes, but I'm I'm happy to salary sacrifice. And, yeah, we'll just concentrate on getting the mortgage down. And, yeah, we'll we'll go on your\n\nChannel 0: Yep.\n\nChannel 1: advice on what to do and, yeah, hopefully, I'll trump you doesn't do anything too silly in the meantime.\n\nChannel 0: Yeah. One last thing last year. I do have to quickly touch on the insurance policy as well. But in terms of the risk level, if I can project that you're still gonna be on track for retirement comfortably, do you want me to look at pumping it down slightly to if you're at a four out of five, maybe, like, a 3.5 or something like just\n\nChannel 1: Yeah.\n\nChannel 0: to take a bit off the table now.\n\nChannel 1: Yep. Yep. Hello?\n\nChannel 0: Yeah. I'll consider that because, again, even then, balance profiles, three out of five not as safe as people think they are. I'm not trying to scare you, but I'm just\n\nChannel 1: Yep.\n\nChannel 0: saying, like, I know what happens to the profile across the industry when these events happen, and I don't want to be shocked by it. There will be a year where there's a big taken off, and we need to get it up.\n\nChannel 1: Yep.\n\nChannel 0: But I if I can get you there with the least necessary, that might be better for you.\n\nChannel 1: That sounds that sounds good. Yeah. Let's let's have a look at that.\n\nChannel 0: Awesome. Alright. So I'll I'll have a look at that one. Different portfolios, slight risk adjustment, and the and\n\nChannel 1: Yep.\n\nChannel 0: we'll see how that looks. And, again, you get to sign off and and make sure you're comfortable with what we're doing.\n\nChannel 1: Yep.\n\nChannel 0: Outside of that, so the other thing I wanted to just quickly touch on was just in terms of estate planning, and that's listed to receive the super and the insurance is beneficial. I'm assuming you're still okay for that.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Cool. And did you guys send a like a will put in place at some point?\n\nChannel 1: No. We haven't. No. But, yeah, we've we've yeah. We need to do that sooner rather than later.\n\nYeah. Yeah. We'll\n\nChannel 0: Here's\n\nChannel 1: get\n\nChannel 0: the\n\nChannel 1: on\n\nChannel 0: annual\n\nChannel 1: we'll get\n\nChannel 0: reminder\n\nChannel 1: on\n\nChannel 0: for that one.\n\nChannel 1: yeah. We'll get on to that.\n\nChannel 0: Awesome. And then just quickly on the ins because there was a couple of things here. I'll try and keep this as straightforward as possible. You have a MetLife policy, and\n\nChannel 1: Yeah.\n\nChannel 0: that includes life insurance with disability. So if you away or can never work again, there's a lump sum of around $3.32, 226,000. That'll sort of pop off, and it'll pay off the We\n\nChannel 1: Yep.\n\nChannel 0: previous had it $3.04, so it was kind of trying to pay off the mortgage.\n\nChannel 1: Yep.\n\nChannel 0: Now those two combined, they're only $1,500 a year out of the it gets a percent tax rebate, which drops it a bit lower as well. You do have protection.\n\nChannel 1: Yes.\n\nChannel 0: Now the protection is oh, it's about just under 2,000 a year, so that's also not crazy in terms of premium. All of\n\nChannel 1: Mhmm.\n\nChannel 0: these will jump up quite a bit, though, through the fifties. Point where before you know it, at 58, you might be paying $78,000. So I need to keep a lid on premiums. It makes sense for cost and fees.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now you have waiting period of days. So if you're out of work for a few months, it'll kick in $4,000 a month for up to two years just to kind of get you guys by on the repayments and and whatnot. But\n\nChannel 1: So\n\nChannel 0: was\n\nChannel 1: what was the\n\nChannel 0: it\n\nChannel 1: waiting period? What was the waiting period for that?\n\nChannel 0: so there was a ninety day waiting period, and I know that they posed a question about what cost would be to reduce that down to thirty days.\n\nChannel 1: Or you're even let's see, even sixty days. Do you have that figure at all or or not?\n\nChannel 0: I do I do actually still in date. So let me just quickly look at that. And I, yeah, I'm going to broach this with you as well. So I have opened the alteration quote. Right.\n\nSo now bear in mind when it comes to from the contributions, like, I I need to factor that into the projections as well. Not sure it's backwards on the fees.\n\nChannel 1: Mhmm.\n\nChannel 0: We've got total gross of 3,600. And to bump it to a thirty day waiting period, 5,100 for the rebate. So it's an extra $48 a year.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: I know you guys have the draw there. It's about a 100 range in to try and if you needed to.\n\nChannel 1: Yeah. Yeah. Okay. Oh, let me let me check to the wife about that. We we might just leave it where it is.\n\nWorst comes to the worst, if I get if I can work, my wife can go full time. So, yeah, let let let's leave it at ninety days for now, and I'll have a chat to the wife and because that's a little quite a little quite a lot more, isn't it?\n\nChannel 0: Okay. Yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Like, it's not too bad for and it can be like, yeah, it's not gonna hurt the super too much for twelve months, but I know in three years' time when the next $3 coming out for all of it, it's\n\nChannel 1: Yeah.\n\nChannel 0: just gonna slow things down considerably.\n\nChannel 1: Yeah. Yeah. Okay. Okay. Is it worth I mean, even with mine with with the actual insurance policy, they what if I got 332,000, was it?\n\nChannel 0: Yeah. For\n\nChannel 1: Okay.\n\nChannel 0: life insurance,\n\nChannel 1: Yeah.\n\nChannel 0: $2.70\n\nChannel 1: So\n\nChannel 0: 6 for\n\nChannel 1: yeah.\n\nChannel 0: disability.\n\nChannel 1: Yeah. Okay. Is it is it worth dropping that down or just just so we're getting more sort of more growth into the super? I know\n\nChannel 0: Normally,\n\nChannel 1: it's a bit\n\nChannel 0: I'd\n\nChannel 1: of a\n\nChannel 0: say yes. The but, realistically, $3.82 and let's say I chopped it in half\n\nChannel 1: Mhmm.\n\nChannel 0: to kind of line up with the mortgage, which I think was sitting at $1.80 ish.\n\nChannel 1: Yep. Yep.\n\nChannel 0: You're gonna be dollar premium to $3.50. So if you want going, it'll make a small difference, but, like, it's not gonna offset increases that happen income protection over the next few years.\n\nChannel 1: Yeah. Okay. Alright. Okay.\n\nChannel 0: But the good news is even so, like before, still tracking well for the retirement goals. Like, we can afford to take a little less risk put\n\nChannel 1: Yep.\n\nChannel 0: extra\n\nChannel 1: Okay.\n\nChannel 0: contributions in. You're still gonna hit it. I'll keep an eye on the poll with you every year as well as what's up for the markets. But I just wanted to at least double check these since\n\nChannel 1: Yep. Yep. No. No. I appreciate that.\n\nChannel 0: we\n\nChannel 1: Okay. Well, if if you think we're\n\nChannel 0: did\n\nChannel 1: tracking alright, and we we start\n\nChannel 0: get\n\nChannel 1: with a salary sacrifice, and I'll discuss with the wife whether you know, if if it's worth dropping the insurance policy and the I think we'll leave the waiting time as is with\n\nChannel 0: Yep.\n\nChannel 1: the income protection. Yeah.\n\nChannel 0: K.\n\nChannel 1: I think yeah. If we can yeah. I think that that'll be the goal for now.\n\nChannel 0: Cool. So what I'll do is when you get a chance that annual review is out to you guys on that email address,\n\nChannel 1: Mhmm.\n\nChannel 0: It does include the certificate of currency down each covers. So that way you guys can have a bit of a chat about it. It'll give you more of a visual to see if they're looking at.\n\nChannel 1: Awesome. Okay.\n\nChannel 0: Cool. Oh, one thing I'm gonna do as well is just in terms of services with\n\nChannel 1: Yep.\n\nChannel 0: So just with all of the changes that, you know, electricity costs went up and the on crate, the rest of it, We have changed our fee structure into a bit of a period fee structure and raise the prices slightly as well. But for you guys, we on that couple's fee discount. Sevian Bart are gonna grandfather that for two months\n\nChannel 1: Okay. Yep.\n\nChannel 0: and keep you guys on the discounted rate of the 1.1%.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Nice.\n\nChannel 0: that way, it's it's kept there for a little while, and then we can talk in twelve months about any and if it's still okay for you guys, if you still feel there's value.\n\nChannel 1: Yep. Okay. What what's your maximum increase in fees a year?\n\nChannel 0: So we charge 1.65% and\n\nChannel 1: Okay.\n\nChannel 0: couples at 1.1. What we've done tiered structure is everyone above 200,000 gets a disc everyone above 500 gets a discount as well, but that first 200 is back to 1.6\n\nChannel 1: Okay.\n\nChannel 0: 5. So\n\nChannel 1: Okay.\n\nChannel 0: I've got a little bit of a calculator there, and I know that as you guys increase in balance, it's gonna be really helpful. You'll actually be in a better position. But for that year or two, it'll will slight increase cost.\n\nChannel 1: Okay. Okay. Yeah. Well,\n\nChannel 0: I'll\n\nChannel 1: we\n\nChannel 0: keep\n\nChannel 1: knew that.\n\nChannel 0: it\n\nChannel 1: I knew\n\nChannel 0: one\n\nChannel 1: that\n\nChannel 0: point\n\nChannel 1: when\n\nChannel 0: one\n\nChannel 1: we\n\nChannel 0: for\n\nChannel 1: when\n\nChannel 0: the\n\nChannel 1: we signed up. Yeah. That that that there could be increases. So yep. That's alright.\n\nAs\n\nChannel 0: yeah.\n\nChannel 1: long as you keep us in the know on on what the increases are and and was another twelve months. So yep.\n\nChannel 0: Yeah. And that's why the reviews are important too because, you know, we need your consent every year to advisers, and we wanna make sure you're feeling like you're getting the value for it for the money that we're charging.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And just in this circumstance, because the way the world's gone, the guys haven't increased the fees for years, and at some point, we just had to to review it a little bit. But, again, like I said, for twelve months, and when it comes to that time, probably won't be too much of an impact.\n\nChannel 1: Okay. Okay. Oh, just had another question. It's gone. I can't remember now.\n\nOkay. Well, okay. Well, that all sounds pretty good. So yeah. You know, you guys are official, so we'll we'll go on on on your advice.\n\nAnd yeah. Yeah. I mean, we the the first couple of years, we had a we had a pretty good growth, especially the first year. What are we\n\nChannel 0: Yeah.\n\nChannel 1: what percentage are we running at at the moment? So what's your name again?\n\nChannel 0: Tell me.\n\nChannel 1: Tom. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Are are you are we sort of 7%, 8%? Or\n\nChannel 0: Yeah. It's still hit. Let me have a look at one because it it's been so volatile that it changes when they update the prices for the day 03/04. Let me have a look at today's one. I'll just before it looks good.\n\nYeah. Market dropped pretty pretty badly in March, but you're still clear percent off these.\n\nChannel 1: Hello?\n\nChannel 0: The long term's still double digits, which is good. Again, like I said, there's a couple of options in there that have underperformed just in terms of fund managers being a bit weird property market since those changes were announced with legislation. So\n\nChannel 1: Yep.\n\nChannel 0: I'm just gonna look reviewing a couple of those, get it bumped up a little bit, and\n\nChannel 1: Okay.\n\nChannel 0: I may even get a slight higher with the lower risk is what I'm aiming for.\n\nChannel 1: That sounds good to me,\n\nChannel 0: The\n\nChannel 1: Tom.\n\nChannel 0: trifecta.\n\nChannel 1: Well, we could do with it.\n\nChannel 0: Yeah. Absolutely. So I'll leave that with you guys. You please have a look at it with Nat.\n\nChannel 1: Yep. We\n\nChannel 0: Sign\n\nChannel 1: will.\n\nChannel 0: off if\n\nChannel 1: Yep.\n\nChannel 0: you're comfortable with it. And in about two weeks' time, Michelle will give you a call to to book in, run through the update strategies with all the actions and alternatives in there. And Mhmm. Any questions you've we can go through that then as well.\n\nChannel 1: Mhmm. Okay. That sounds good. I'll have a I'll have a chat with the wife. We'll get the the wheels sorted as well, and and I'll have a quick chat with her about just dropping maybe just dropping the the life insurance down a little bit.\n\nYou you you think it's you don't seem to think it's a biggie, the money that's gonna be saved?\n\nChannel 0: Yeah. Because what I'm thinking is if you can like, you were saying, look, we sacrifice $2 a week. That's $2.5 going in. If we\n\nChannel 1: Yep.\n\nChannel 0: save $300 in premium, it's not gonna get you $100 in retirement or anything like that.\n\nChannel 1: Yeah. Yeah. Okay. Alright then. Okay.\n\nIf you can get that sent through, we'll we'll we'll we'll have a read through everything and and then hear from you in two weeks.\n\nChannel 0: Amazing. Great. Thank you so much for your time. I really appreciate diving into all corners of all uncomfortable conversations with me. But I do appreciate you letting me take the time to to look at with you, and I will do my absolute best to get you in something you're comfortable with.\n\nChannel 1: You know, I really appreciate that. It's, you know, I was I'm I'm I'm thinking I should have probably changed over a lot sooner. I think I left my run a bit late, but we're we're with you guys now, and we've had good results. So, yeah, we've yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Just wanna, yeah, get get to that point where we're gonna be you know, we're not asking for a huge retirement. We're just hoping that we can live comfortably. You know? So that that seems to be the goal for everyone. So\n\nChannel 0: These\n\nChannel 1: yeah.\n\nChannel 0: days, people don't wanna get the New York flat anymore and live over like, just have\n\nChannel 1: Yeah.\n\nChannel 0: the house I don't have to worry anymore.\n\nChannel 1: Yeah. That's that's pretty much it. So yeah. We're we're sort of fairly simple people. We just we we live a simple life.\n\nSo yeah. We're not too extravagant. So, yeah, that that would be good. It'd be a good result.\n\nChannel 0: Alright, mate. Leave it with me, and I'll talk to you in a couple of weeks.\n\nChannel 1: Alright. Thank you, mate.\n\nChannel 0: Thanks. See you later.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.06652358174324036}],"sentiment":"neutral","sentiment_score":0.06652358174324036,"channel":1,"num_words":1,"start":0.0,"end":0.5},{"sentences":[{"text":"Good day, Craig.","start":2.96,"end":3.6799998,"sentiment":"positive","sentiment_score":0.40912466247876483},{"text":"It's Tommy Financial Mate senior How are you doing today?","start":3.6799998,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.253086556494236}],"sentiment":"neutral","sentiment_score":0.28909535018297344,"channel":0,"num_words":13,"start":2.96,"end":7.3799996},{"sentences":[{"text":"Good.","start":7.52,"end":7.7599998,"sentiment":"positive","sentiment_score":0.5756056308746338},{"text":"Thanks.","start":7.7599998,"end":8.08,"sentiment":"positive","sentiment_score":0.6964995265007019},{"text":"Yourself?","start":8.08,"end":8.58,"sentiment":"positive","sentiment_score":0.5406924486160278}],"sentiment":"positive","sentiment_score":0.6042658686637878,"channel":1,"num_words":3,"start":7.52,"end":8.58},{"sentences":[{"text":"I'm living the dream.","start":9.04,"end":10.0,"sentiment":"positive","sentiment_score":0.8014465570449829},{"text":"It's a beautiful day on the go about your end.","start":10.0,"end":12.58,"sentiment":"positive","sentiment_score":0.8652498960494995}],"sentiment":"positive","sentiment_score":0.8470203706196376,"channel":0,"num_words":14,"start":9.04,"end":12.58},{"sentences":[{"text":"Yeah.","start":12.719999,"end":12.96,"sentiment":"positive","sentiment_score":0.34967681765556335},{"text":"It's not too bad.","start":12.96,"end":14.099999,"sentiment":"positive","sentiment_score":0.358275331556797},{"text":"Yeah.","start":14.24,"end":14.74,"sentiment":"positive","sentiment_score":0.3866400718688965}],"sentiment":"positive","sentiment_score":0.36156970262527466,"channel":1,"num_words":6,"start":12.719999,"end":14.74},{"sentences":[{"text":"Cool.","start":15.525,"end":15.925,"sentiment":"positive","sentiment_score":0.4868478775024414},{"text":"I've got you booked in for a bit of an annual review.","start":15.925,"end":18.665,"sentiment":"neutral","sentiment_score":0.27880267550547916},{"text":"Now I'm gonna send a pack out to you, but just while I'm getting that organized, could I just confirm for security purpose your date of birth and address, ma'am?","start":19.685,"end":28.64,"sentiment":"neutral","sentiment_score":0.09700786819060643}],"sentiment":"neutral","sentiment_score":0.156807349518288,"channel":0,"num_words":43,"start":15.525,"end":28.64},{"sentences":[{"text":"Yeah.","start":28.85,"end":29.25,"sentiment":"neutral","sentiment_score":0.01223540585488081},{"text":"141272 And 74 A Bunker Road, Victoria Point.","start":29.25,"end":35.11,"sentiment":"neutral","sentiment_score":0.014722736086696386}],"sentiment":"neutral","sentiment_score":0.0144463660609391,"channel":1,"num_words":9,"start":28.85,"end":35.11},{"sentences":[{"text":"Sensation.","start":34.94,"end":35.44,"sentiment":"neutral","sentiment_score":0.019596729427576065},{"text":"And are you okay for the call to be recorded?","start":36.14,"end":38.16,"sentiment":"neutral","sentiment_score":0.01730849016457796}],"sentiment":"neutral","sentiment_score":0.017516511915759606,"channel":0,"num_words":11,"start":34.94,"end":38.16},{"sentences":[{"text":"Yeah.","start":38.45,"end":38.77,"sentiment":"neutral","sentiment_score":0.05188684910535813},{"text":"Yeah.","start":38.77,"end":39.010002,"sentiment":"neutral","sentiment_score":0.09141448885202408},{"text":"That's fine.","start":39.010002,"end":39.75,"sentiment":"neutral","sentiment_score":0.2407635599374771}],"sentiment":"neutral","sentiment_score":0.1562071144580841,"channel":1,"num_words":4,"start":38.45,"end":39.75},{"sentences":[{"text":"Perfect.","start":40.855,"end":41.255,"sentiment":"positive","sentiment_score":0.4909350275993347},{"text":"So I have that Craig for Nat one hot mail address.","start":41.255,"end":46.955,"sentiment":"neutral","sentiment_score":0.14285349642688577},{"text":"Now","start":47.095,"end":47.415,"sentiment":"neutral","sentiment_score":0.0961359292268753}],"sentiment":"neutral","sentiment_score":0.16603533980938104,"channel":0,"num_words":13,"start":40.855,"end":47.415},{"sentences":[{"text":"Yep.","start":47.204998,"end":47.704998,"sentiment":"neutral","sentiment_score":0.08683359622955322}],"sentiment":"neutral","sentiment_score":0.08683359622955322,"channel":1,"num_words":1,"start":47.204998,"end":47.704998},{"sentences":[{"text":"if I the document pack out to that email, will you be able to look onto it with me?","start":47.415,"end":52.65,"sentiment":"neutral","sentiment_score":0.07374103445755809}],"sentiment":"neutral","sentiment_score":0.07374103445755809,"channel":0,"num_words":19,"start":47.415,"end":52.65},{"sentences":[{"text":"Yep.","start":54.644997,"end":55.144997,"sentiment":"neutral","sentiment_score":0.01911805383861065},{"text":"Yep.","start":55.204998,"end":55.704998,"sentiment":"neutral","sentiment_score":0.013132605701684952}],"sentiment":"neutral","sentiment_score":0.0161253297701478,"channel":1,"num_words":2,"start":54.644997,"end":55.704998},{"sentences":[{"text":"K.","start":56.33,"end":56.730003,"sentiment":"neutral","sentiment_score":-0.0059329550713300705},{"text":"Not a 100% necessary.","start":56.730003,"end":58.170002,"sentiment":"neutral","sentiment_score":-0.10493390262126923},{"text":"I can walk","start":58.170002,"end":58.97,"sentiment":"neutral","sentiment_score":-0.02918184921145439}],"sentiment":"neutral","sentiment_score":-0.06415176414884627,"channel":0,"num_words":8,"start":56.33,"end":58.97},{"sentences":[{"text":"Yep.","start":58.829998,"end":59.329998,"sentiment":"neutral","sentiment_score":-0.008509594015777111}],"sentiment":"neutral","sentiment_score":-0.008509594015777111,"channel":1,"num_words":1,"start":58.829998,"end":59.329998},{"sentences":[{"text":"you through what's coming here if you find it difficult, you know, trying to be on the phone and look at an email at the same time.","start":58.97,"end":65.770004,"sentiment":"neutral","sentiment_score":-0.0634737815707922},{"text":"What's your difference?","start":65.770004,"end":66.75,"sentiment":"neutral","sentiment_score":-0.026753395795822144}],"sentiment":"neutral","sentiment_score":-0.059801742993295194,"channel":0,"num_words":30,"start":58.97,"end":66.75},{"sentences":[{"text":"If you could just walk us through, it'd be good.","start":67.71,"end":69.47,"sentiment":"neutral","sentiment_score":0.11449560075998307},{"text":"Yeah.","start":69.47,"end":69.71,"sentiment":"neutral","sentiment_score":-0.02199365198612213},{"text":"Just don't have my glasses on me with me at the moment.","start":69.71,"end":72.45,"sentiment":"neutral","sentiment_score":-0.21997562423348427}],"sentiment":"neutral","sentiment_score":-0.0659454406603523,"channel":1,"num_words":23,"start":67.71,"end":72.45},{"sentences":[{"text":"No.","start":73.575,"end":73.895,"sentiment":"neutral","sentiment_score":-0.20335936546325684},{"text":"That's totally fair.","start":73.895,"end":74.695,"sentiment":"neutral","sentiment_score":-0.1430443823337555},{"text":"I've got mine, and that should be enough for the both of us.","start":74.695,"end":77.355,"sentiment":"neutral","sentiment_score":-0.005447605481514564}],"sentiment":"neutral","sentiment_score":-0.041371257866130155,"channel":0,"num_words":17,"start":73.575,"end":77.355},{"sentences":[{"text":"Okay.","start":77.33501,"end":77.83501,"sentiment":"neutral","sentiment_score":0.23070283234119415},{"text":"That's good.","start":78.615005,"end":79.355,"sentiment":"positive","sentiment_score":0.39295047521591187}],"sentiment":"positive","sentiment_score":0.338867927591006,"channel":1,"num_words":3,"start":77.33501,"end":79.355},{"sentences":[{"text":"Now in particular so I did a bit of a push up with Nat, and she did raise a couple of things with me just","start":80.055,"end":86.380005,"sentiment":"neutral","sentiment_score":0.1361111006140709}],"sentiment":"neutral","sentiment_score":0.1361111006140709,"channel":0,"num_words":25,"start":80.055,"end":86.380005},{"sentences":[{"text":"Yep.","start":86.18,"end":86.68,"sentiment":"neutral","sentiment_score":0.05790039151906967}],"sentiment":"neutral","sentiment_score":0.05790039151906967,"channel":1,"num_words":1,"start":86.18,"end":86.68},{"sentences":[{"text":"in terms of some updates to assets and liabilities.","start":86.380005,"end":89.76,"sentiment":"neutral","sentiment_score":0.07158837177687222},{"text":"And so potentially a bit of a chat around an earlier retire for yourself.","start":90.54,"end":96.96,"sentiment":"neutral","sentiment_score":0.034467472561768124},{"text":"Does ring a bell?","start":97.18,"end":98.46,"sentiment":"neutral","sentiment_score":0.004736848175525665},{"text":"Does that make","start":98.46,"end":99.225,"sentiment":"neutral","sentiment_score":0.003584112972021103}],"sentiment":"neutral","sentiment_score":0.03855132311582565,"channel":0,"num_words":30,"start":86.380005,"end":99.225},{"sentences":[{"text":"Yeah.","start":100.18,"end":100.659996,"sentiment":"neutral","sentiment_score":0.011286290362477304},{"text":"Yeah.","start":100.659996,"end":101.159996,"sentiment":"neutral","sentiment_score":0.007494868710637093},{"text":"Yeah.","start":102.315,"end":102.395,"sentiment":"neutral","sentiment_score":0.006640663370490074},{"text":"Possibility.","start":102.395,"end":102.895,"sentiment":"neutral","sentiment_score":0.001187905669212341},{"text":"Yeah.","start":103.195,"end":103.695,"sentiment":"neutral","sentiment_score":-0.0399298332631588}],"sentiment":"neutral","sentiment_score":-0.0026640210300683973,"channel":1,"num_words":5,"start":100.18,"end":103.695},{"sentences":[{"text":"If it if it is possible, I'm not sure what's","start":104.715,"end":106.795,"sentiment":"neutral","sentiment_score":-0.17685781344771384}],"sentiment":"neutral","sentiment_score":-0.17685781344771384,"channel":1,"num_words":10,"start":104.715,"end":106.795},{"sentences":[{"text":"sense?","start":106.744995,"end":107.244995,"sentiment":"neutral","sentiment_score":-0.18170271813869476}],"sentiment":"neutral","sentiment_score":-0.18170271813869476,"channel":0,"num_words":1,"start":106.744995,"end":107.244995},{"sentences":[{"text":"involved in, you know, the strategies that you take to for that to happen.","start":106.795,"end":112.475,"sentiment":"neutral","sentiment_score":-0.15334429272583552},{"text":"Obviously, I need to go into a higher risk sort of is that what we're looking at or 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insurances, an update service guide with us just with life info, updated fee structures, and so on, as well as a couple of sort of items.","start":143.08,"end":160.065,"sentiment":"neutral","sentiment_score":0.1547146902272576},{"text":"There's a consent form for the services, but also a bit of a tax number opt in and just a quick ping to the government on a lost super search as well.","start":160.445,"end":170.04001,"sentiment":"neutral","sentiment_score":0.1158528228988871}],"sentiment":"neutral","sentiment_score":0.14594415525339313,"channel":0,"num_words":97,"start":132.645,"end":170.04001},{"sentences":[{"text":"Now","start":171.14,"end":171.64,"sentiment":"neutral","sentiment_score":0.0986127182841301}],"sentiment":"neutral","sentiment_score":0.0986127182841301,"channel":0,"num_words":1,"start":171.14,"end":171.64},{"sentences":[{"text":"Okay.","start":171.26,"end":171.66,"sentiment":"neutral","sentiment_score":0.11223599314689636},{"text":"Yep.","start":171.66,"end":172.16,"sentiment":"neutral","sentiment_score":0.12480752170085908}],"sentiment":"neutral","sentiment_score":0.11852175742387772,"channel":1,"num_words":2,"start":171.26,"end":172.16},{"sentences":[{"text":"the thing when it comes to kind of tying in retirement discussions is I just need to factor in a bit around the other cash flow and debt management goal you guys 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and around with going to or anything like that.","start":995.515,"end":998.955,"sentiment":"neutral","sentiment_score":0.04067427068948746},{"text":"What we do do is a couple of things.","start":998.955,"end":1001.295,"sentiment":"neutral","sentiment_score":0.2085021353430218},{"text":"So if we do a review and the market's jumped up quite a bit for the year, we can then away, start reducing saying, we're going above what we wanted to earn.","start":1001.435,"end":1011.5,"sentiment":"neutral","sentiment_score":0.025086317269597203}],"sentiment":"neutral","sentiment_score":0.060510276031552575,"channel":0,"num_words":51,"start":995.515,"end":1011.5},{"sentences":[{"text":"Yeah.","start":1011.695,"end":1012.01495,"sentiment":"neutral","sentiment_score":0.1363542675971985}],"sentiment":"neutral","sentiment_score":0.1363542675971985,"channel":1,"num_words":1,"start":1011.695,"end":1012.01495},{"sentences":[{"text":"Now 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and","start":1982.155,"end":1987.775,"sentiment":"neutral","sentiment_score":0.06024226086104617}],"sentiment":"neutral","sentiment_score":0.06024226086104617,"channel":0,"num_words":17,"start":1982.155,"end":1987.775},{"sentences":[{"text":"Okay.","start":1987.315,"end":1987.815,"sentiment":"neutral","sentiment_score":0.08706878125667572}],"sentiment":"neutral","sentiment_score":0.08706878125667572,"channel":1,"num_words":1,"start":1987.315,"end":1987.815},{"sentences":[{"text":"I may even get a slight higher with the lower risk is what I'm aiming for.","start":1988.395,"end":1993.6951,"sentiment":"neutral","sentiment_score":0.08797320793382823}],"sentiment":"neutral","sentiment_score":0.08797320793382823,"channel":0,"num_words":16,"start":1988.395,"end":1993.6951},{"sentences":[{"text":"That sounds good to 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if","start":2007.71,"end":2008.11,"sentiment":"neutral","sentiment_score":0.12391219288110733}],"sentiment":"neutral","sentiment_score":0.12391219288110733,"channel":0,"num_words":2,"start":2007.71,"end":2008.11},{"sentences":[{"text":"Yep.","start":2008.0249,"end":2008.5249,"sentiment":"neutral","sentiment_score":0.14642035961151123}],"sentiment":"neutral","sentiment_score":0.14642035961151123,"channel":1,"num_words":1,"start":2008.0249,"end":2008.5249},{"sentences":[{"text":"you're comfortable with it.","start":2008.11,"end":2009.295,"sentiment":"neutral","sentiment_score":0.28744540736079216},{"text":"And in about two weeks' time, Michelle will give you a call to to book in, run through the update strategies with all the actions and alternatives in there.","start":2009.535,"end":2018.915,"sentiment":"neutral","sentiment_score":0.2127887082510981},{"text":"And Mhmm.","start":2019.055,"end":2019.615,"sentiment":"neutral","sentiment_score":0.08796137198805809},{"text":"Any questions you've we can go through that then as well.","start":2019.6951,"end":2022.15,"sentiment":"neutral","sentiment_score":0.08037133243950931}],"sentiment":"neutral","sentiment_score":0.1821882949899072,"channel":0,"num_words":46,"start":2008.11,"end":2022.15},{"sentences":[{"text":"Mhmm.","start":2022.2649,"end":2022.6649,"sentiment":"neutral","sentiment_score":0.09437981247901917},{"text":"Okay.","start":2022.6649,"end":2022.985,"sentiment":"neutral","sentiment_score":0.24957746267318728},{"text":"That sounds good.","start":2022.985,"end":2023.89,"sentiment":"positive","sentiment_score":0.48125425974527997},{"text":"I'll have a I'll have a chat with the wife.","start":2024.29,"end":2025.97,"sentiment":"neutral","sentiment_score":0.20139812380075456},{"text":"We'll get the the wheels sorted as well, and and I'll have a quick chat with her about just dropping maybe just dropping the the life insurance down a little 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mate.","start":2158.215,"end":2159.115,"sentiment":"positive","sentiment_score":0.745567262172699}],"sentiment":"positive","sentiment_score":0.6456135362386703,"channel":1,"num_words":4,"start":2157.895,"end":2159.115},{"sentences":[{"text":"Thanks.","start":2159.5251,"end":2160.0251,"sentiment":"positive","sentiment_score":0.724043607711792},{"text":"See you later.","start":2160.165,"end":2160.905,"sentiment":"positive","sentiment_score":0.5538681546847025}],"sentiment":"positive","sentiment_score":0.5964120179414749,"channel":0,"num_words":4,"start":2159.5251,"end":2160.905},{"sentences":[{"text":"Bye.","start":2161.255,"end":2161.415,"sentiment":"neutral","sentiment_score":0.317316472530365},{"text":"Bye.","start":2161.415,"end":2161.915,"sentiment":"neutral","sentiment_score":-0.11152496933937071}],"sentiment":"neutral","sentiment_score":0.10289575159549713,"channel":1,"num_words":2,"start":2161.255,"end":2161.915}]},"summary":{"result":"success","short":"A representative from Tommy Financial Mate senior How speaks with Craig about his retirement goals and the possibility of buying an investment property. They discuss retirement standards, retirement age, and the need to maintain a growth risk profile. The speaker emphasizes the importance of maintaining a growth risk profile and adjusting risk levels as needed, as well as reducing contributions and salaries to prepare for retirement and reducing the portfolio to a fully managed account. They also discuss the importance of avoiding dips in the stock market and the need to perform well before it crashes. The conversation also touches on risk levels, estate planning, and the importance of providing consent for advisers to advise on fees and offer updates on account reviews and coverage."},"intents":{"segments":[{"text":"I've got you booked in for a bit of an annual review. Now I'm gonna send a pack out to you, but just while I'm getting that organized, could I just confirm for security purpose your date of birth and address, ma'am? Yeah.","start_word":38,"end_word":80,"intents":[{"intent":"Confirm security purpose","confidence_score":0.538834},{"intent":"Review documents","confidence_score":0.056099016},{"intent":"Book annual review","confidence_score":0.005113243}]},{"text":"Now in particular so I did a bit of a push up with Nat, and she did raise a couple of things with me just Yep. in terms of some updates to assets and liabilities. And so potentially a bit of a chat around an earlier retire for yourself. Does ring a bell?","start_word":221,"end_word":273,"intents":[{"intent":"Relay information","confidence_score":0.00048682056}]},{"text":"If it if it is possible, I'm not sure what's sense? involved in, you know, the strategies that you take to for that to happen. Obviously, I need to go into a higher risk sort of is that what we're looking at or if Potentially. that was the case?","start_word":282,"end_word":330,"intents":[{"intent":"Discuss retirement risks","confidence_score":0.000019223837}]},{"text":"If it if it is possible, I'm not sure what's sense? involved in, you know, the strategies that you take to for that to happen. Obviously, I need to go into a higher risk sort of is that what we're looking at or if Potentially. that was the case? So there's there's three different ways to approach your retirement.","start_word":282,"end_word":340,"intents":[{"intent":"Explain strategy","confidence_score":0.0002461383}]},{"text":"the thing when it comes to kind of tying in retirement discussions is I just need to factor in a bit around the other cash flow and debt management goal you guys have.","start_word":464,"end_word":496,"intents":[{"intent":"Debt management","confidence_score":0.0022262584}]},{"text":"And there was a chat we had about finishing off the mortgage repayment and also potentially buying an invest property. Is that sort of, like, the main focus for you guys, or what would you Look, say? the wife's size, I wanted an investment property, but I think we're we're our main goal really at the moment is probably is to to get the mortgage paid off, I think. Yeah.","start_word":497,"end_word":566,"intents":[{"intent":"Mortgage repayment","confidence_score":0.46134543}]},{"text":"Is that sort of, like, the main focus for you guys, or what would you Look, say? the wife's size, I wanted an investment property, but I think we're we're our main goal really at the moment is probably is to to get the mortgage paid off, I think. Yeah.","start_word":517,"end_word":566,"intents":[{"intent":"Investment property","confidence_score":0.5494203}]},{"text":"So the main thing would be focusing on the personal assets first. And I'm just gonna put down as, like, your main priority for the goal, which is just paying off the mortgage.","start_word":698,"end_word":730,"intents":[{"intent":"Personal assets","confidence_score":0.484307}]},{"text":"Now when you've got it in the conservative option, they usually aim for a four to 5% return. So I there and say, okay. 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And at the if you put in $50 a week at some point or something like Yep. that, that Yep. might just Yep. give you that extra little boost that you need to make sure it's Okay.","start_word":1750,"end_word":1803,"intents":[{"intent":"Update portfolio","confidence_score":0.16950528}]},{"text":"give you that extra little boost that you need to make sure it's Okay.","start_word":1790,"end_word":1803,"intents":[{"intent":"Provide additional boost","confidence_score":0.014536125}]},{"text":"So if I was to do that, point number one, I do wanna update the portfolio to make sure the return the Yep.","start_word":1838,"end_word":1860,"intents":[{"intent":"Update portfolio","confidence_score":0.8138426}]},{"text":"up to you if you want me to kind of add into a strategy document see the difference that make and if you wanna give that a go for a year and and see Yeah.","start_word":1910,"end_word":1944,"intents":[{"intent":"Add strategy document","confidence_score":0.7514749}]},{"text":"Just So what I'll to do, I'm gonna do a very, very rough projection for you. Yep.","start_word":1986,"end_word":2002,"intents":[{"intent":"Plan projection","confidence_score":0.038253225}]},{"text":"So you can Pretty see it good. gets very quick up there, but then at the same time, we have to reduce this down because every couple of years, we don't wanna be risking that big chunk take off of it. Mhmm. Yeah.","start_word":2139,"end_word":2181,"intents":[{"intent":"Save money","confidence_score":0.0016412444}]},{"text":"It's always a bit of a concern, isn't it?","start_word":2183,"end_word":2191,"intents":[{"intent":"Express concern","confidence_score":0.0024012611},{"intent":"Express concern","confidence_score":0.108158655}]},{"text":"Well so you you're basically saying to stick with what what what I've got, maybe salary salary sacrifice and and and basically sort of see how we go for for a little while. Yeah.","start_word":2242,"end_word":2275,"intents":[{"intent":"Provide information","confidence_score":0.0017258646},{"intent":"Discuss options","confidence_score":0.0038880226}]},{"text":"level, definitely. I don't think I'd be increasing a risk level at this point. Yep.","start_word":2281,"end_word":2295,"intents":[{"intent":"Discuss risk level","confidence_score":0.19962728}]},{"text":"One thing I wanna give you in terms of expectations because you're gonna have to, unfortunately, live through this transition that's going on with the AIs and the wars, anything like that Yep.","start_word":2349,"end_word":2381,"intents":[{"intent":"Discuss ai/wars","confidence_score":0.00016658804}]},{"text":"is that sometime between now and '60, stock is gonna have to complete cash like it Yeah.","start_word":2408,"end_word":2424,"intents":[{"intent":"Discuss cash level","confidence_score":0.008142933},{"intent":"Discuss timeframe","confidence_score":0.0007239445}]},{"text":"So in the good years, you get a ten, fifteen, 20% return per year. And then the bad years, it may actually go down 20 to 5%, even more if it's a big crash, which is why I Yeah.","start_word":2437,"end_word":2475,"intents":[{"intent":"Discuss volatility","confidence_score":0.03744469},{"intent":"Discuss volatility","confidence_score":0.071990736}]},{"text":"But let's see what happens next year. You may then have a solid seven year growth after your contributions and your salary sacrifice. And before Yep.","start_word":2487,"end_word":2512,"intents":[{"intent":"Analyze future growth","confidence_score":0.0037275366},{"intent":"Plan future growth","confidence_score":0.0029700864}]},{"text":"So it is something to look at closely every three, six, nine, twelve months and if we adjust things, we we do those those adjustments then. Yep.","start_word":2816,"end_word":2842,"intents":[{"intent":"Analyze market options","confidence_score":0.003134955}]},{"text":"The other one that we can do, and I'll look at this for you as well, is we have a portfolio called an SMA, a fully managed account, where basically we can put a bubble in your portfolio and move it to like a fee menu. What it basically means is that we have more access to change bad funds with good funds Okay. throughout the year.","start_word":2846,"end_word":2912,"intents":[{"intent":"Review portfolio management","confidence_score":0.007427544}]},{"text":"So we do use the buzzword of diversification, and that's when you see those reports you send through the review pack, you've got eight different investment options because we're trying to spread you to different countries, different sectors to at least minimize the risk that if one big shock comes in one area, that Yep. affects Okay.","start_word":3243,"end_word":3299,"intents":[{"intent":"Address diversification risks","confidence_score":0.0014818637}]},{"text":"I do have to quickly touch on the insurance policy as well. But in terms of the risk level, if I can project that you're still gonna be on track for retirement comfortably, do you want me to look at pumping it down slightly to if you're at a four out of five, maybe, like, a 3.5 or something like just Yeah.","start_word":3577,"end_word":3638,"intents":[{"intent":"Start planning retirement","confidence_score":0.00017602462}]},{"text":"But in terms of the risk level, if I can project that you're still gonna be on track for retirement comfortably, do you want me to look at pumping it down slightly to if you're at a four out of five, maybe, like, a 3.5 or something like just Yeah.","start_word":3588,"end_word":3637,"intents":[{"intent":"Consider lowering risk","confidence_score":0.32344204}]},{"text":"I'll consider that because, again, even then, balance profiles, three out of five not as safe as people think they are.","start_word":3650,"end_word":3670,"intents":[{"intent":"Consider balance profiles","confidence_score":0.32484236}]},{"text":"Different portfolios, slight risk adjustment, and the and Yep. we'll see how that looks. And, again, you get to sign off and and make sure you're comfortable with what we're doing.","start_word":3767,"end_word":3797,"intents":[{"intent":"Examine portfolios","confidence_score":0.0013504976}]},{"text":"Outside of that, so the other thing I wanted to just quickly touch on was just in terms of estate planning, and that's listed to receive the super and the insurance is beneficial. I'm assuming you're still okay for that. Yeah.","start_word":3799,"end_word":3839,"intents":[{"intent":"Consider estate planning","confidence_score":0.06201712}]},{"text":"And did you guys send a like a will put in place at some point? No. We haven't. No. But, yeah, we've we've yeah. We need to do that sooner rather than later. Yeah.","start_word":3842,"end_word":3875,"intents":[{"intent":"Confirm if a will be sent sooner","confidence_score":3.274461e-7}]},{"text":"So if you away or can never work again, there's a lump sum of around $3.32, 226,000.","start_word":3935,"end_word":3951,"intents":[{"intent":"Discuss pricing plan","confidence_score":0.000020147732}]},{"text":"Now you have waiting period of days. So if you're out of work for a few months, it'll kick in $4,000 a month for up to two years just to kind of get you guys by on the repayments and and whatnot.","start_word":4076,"end_word":4117,"intents":[{"intent":"Reduce waiting period","confidence_score":0.0140683055}]},{"text":"so there was a ninety day waiting period, and I know that they posed a question about what cost would be to reduce that down to thirty days.","start_word":4134,"end_word":4161,"intents":[{"intent":"Discuss cost reduction","confidence_score":0.058916967}]},{"text":"So now bear in mind when it comes to from the contributions, like, I I need to factor that into the projections as well. Not sure it's backwards on the fees. Mhmm.","start_word":4216,"end_word":4247,"intents":[{"intent":"Consider contribution factors","confidence_score":0.0013394002}]},{"text":"Is it worth I mean, even with mine with with the actual insurance policy, they what if I got 332,000, was it? Yeah. For Okay.","start_word":4429,"end_word":4453,"intents":[{"intent":"Check and discuss insurance policy","confidence_score":0.0000021533606}]},{"text":"Well, if if you think we're did tracking alright, and we we start get with a salary sacrifice, and I'll discuss with the wife whether you know, if if it's worth dropping the insurance policy and the I think we'll leave the waiting time as is with Yep. the income protection. Yeah.","start_word":4643,"end_word":4694,"intents":[{"intent":"Discuss with wife","confidence_score":0.161721}]},{"text":"So what I'll do is when you get a chance that annual review is out to you guys on that email address, Mhmm. It does include the certificate of currency down each covers. So that way you guys can have a bit of a chat about it. It'll give you more of a visual to see if they're looking at. Awesome. Okay. Cool.","start_word":4712,"end_word":4774,"intents":[{"intent":"Conduct annual review","confidence_score":0.00032627766}]},{"text":"Let me have a look at one because it it's been so volatile that it changes when they update the prices for the day 03/04.","start_word":5256,"end_word":5280,"intents":[{"intent":"Update prices","confidence_score":0.008215492}]},{"text":"And in about two weeks' time, Michelle will give you a call to to book in, run through the update strategies with all the actions and alternatives in there. And Mhmm.","start_word":5432,"end_word":5462,"intents":[{"intent":"Book and discuss plan","confidence_score":0.00008750584}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.06652358174324036},{"text":"Good day, Craig.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3941025137901306},{"text":"It's Tommy Financial Mate senior How are you doing today?","start_word":4,"end_word":13,"sentiment":"neutral","sentiment_score":0.25981298089027405},{"text":"Good. Thanks. Yourself? I'm living the dream. It's a beautiful day on the go about your end. Yeah. It's not too bad. Yeah. Cool.","start_word":14,"end_word":37,"sentiment":"positive","sentiment_score":0.6543503403663635},{"text":"I've got you booked in for a bit of an annual review. Now I'm gonna send a pack out to you, but just while I'm getting that organized, could I just confirm for security purpose your date of birth and address, ma'am? Yeah. 141272 And 74 A Bunker Road, Victoria Point. Sensation. And are you okay for the call to be recorded? Yeah. Yeah. That's fine.","start_word":38,"end_word":103,"sentiment":"neutral","sentiment_score":0.10754497349262238},{"text":"Perfect.","start_word":104,"end_word":104,"sentiment":"positive","sentiment_score":0.4909350275993347},{"text":"So I have that Craig for Nat one hot mail address. Now Yep. if I the document pack out to that email, will you be able to look onto it with me? Yep. Yep. K. Not a 100% necessary. I can walk Yep. you through what's coming here if you find it difficult, you know, trying to be on the phone and look at an email at the same time. What's your difference? If you could just walk us through, it'd be good. Yeah. Just don't have my glasses on me with me at the moment. No. That's totally fair. I've got mine, and that should be enough for the both of us. Okay.","start_word":105,"end_word":218,"sentiment":"neutral","sentiment_score":-0.010577361099421978},{"text":"That's good.","start_word":219,"end_word":220,"sentiment":"positive","sentiment_score":0.3961159586906433},{"text":"Now in particular so I did a bit of a push up with Nat, and she did raise a couple of things with me just Yep. in terms of some updates to assets and liabilities. And so potentially a bit of a chat around an earlier retire for yourself. Does ring a bell? Does that make Yeah. Yeah. Yeah. Possibility. Yeah. If it if it is possible, I'm not sure what's sense? involved in, you know, the strategies that you take to for that to happen. Obviously, I need to go into a higher risk sort of is that what we're looking at or if Potentially. that was the case? So there's there's three different ways to approach your retirement. And so I want to kind of just do a bit of a deep dive with you today on those options and Yep. see what might be possible. Now before I jump into that, I've sent that pack out just so you've got it. Just let's know what's in there. So there's some updated and performance for the super, certificate for the insurances, an update service guide with us just with life info, updated fee structures, and so on, as well as a couple of sort of items. There's a consent form for the services, but also a bit of a tax number opt in and just a quick ping to the government on a lost super search as well. Now Okay. Yep. the thing when it comes to kind of tying in retirement discussions is I just need to factor in a bit around the other cash flow and debt management goal you guys have. And there was a chat we had about finishing off the mortgage repayment and also potentially buying an invest property. Is that sort of, like, the main focus for you guys, or what would you Look, say? the wife's size, I wanted an investment property, but I think we're we're our main goal really at the moment is probably is to to get the mortgage paid off, I think. Yeah. It's it's I'll probably need to sit down with the wife and have a good chat about about that. But I thought the because you can't use your super, can you, for a property now. Is that correct? Yeah. They they put in some changes effective August 10 to Yeah. Yeah. ban the super to borrow to buy a direct property these days. So Yep. it really comes down to, like, paying off the mortgage first, Yeah. paying That's up the wrong. super. If you Yep.","start_word":221,"end_word":652,"sentiment":"neutral","sentiment_score":0.043196415114733905},{"text":"can buy a property in your own name, great.","start_word":653,"end_word":661,"sentiment":"positive","sentiment_score":0.3342321515083313},{"text":"If not, you know, do you your funds out of your retirement at buying one at the end of the day when you're 65 or something like that? If you're not these Yep. days. But yeah. So the main thing would be focusing on the personal assets first. And I'm just gonna put down as, like, your main priority for the goal, which is just paying off the mortgage. And Yeah. before I jump in options for you, I'm just gonna double check these details. Yeah. Let me know if this sounds correct. So we have you guys married with two children. Your truck driving still forward, j's waste disposal, j Richards and Sons. We've Mhmm. got we have had, obviously, tax seasons just come around. Ink was previously listed as 73,000. Do you have a bit of an update from the tax return this year? I haven't no agreement on our tax yet, so I'm not sure what what that amount would be. But, yeah, I'd have to I'd have to sort of wait until I get my get my Yep. tax, No. That's fair. I can keep I it 73 for now. guess. It just affects, Yeah. obviously, project and Look. things like that because of the I contributions from work. think I was probably when I mentioned retiring a little bit early. What what age do I got down there for retirement at the moment? So we started with, like, eight fifty five. What Yeah. I was basically gonna say to that preservation age is 60 is the earliest and Yep. just kind of gave you what we'd be aiming for Mhmm. Okay. as Yep. Yeah. Look. I don't really wanna be working till I'm 60 a five. If there is a way that I can target. retire a little bit earlier than that, I mean, it would probably involve, you know, selling this place and and and downsizing, obviously. So, yeah, it's all sort of a bit hypothetical at the moment. But, yeah, I mean well, yeah, it would be nice to know what sort of strategy I'd have to what I'd have to do to sort of attain that. But Yeah.","start_word":662,"end_word":1027,"sentiment":"neutral","sentiment_score":0.00439348677936636},{"text":"So I've got some good information up in front of me just in terms of, like, government retirement stand with ASSA, and this Yep. is pretty good starting point.","start_word":1028,"end_word":1056,"sentiment":"positive","sentiment_score":0.4365622997283935},{"text":"So when I look at what they suggest, we had your previous goal that your option would be aimed, let's say, mortgage paid off with a thousand dollars a week plus Yep. from that as well, and that's after Mhmm. tax tax free. Yep. Now when it comes to the ask for retirement standards with government there, they do suggest about 78 combined for a couple. It kinda Okay.","start_word":1057,"end_word":1125,"sentiment":"neutral","sentiment_score":0.1966571676126425},{"text":"tracks to a similar similar outcome.","start_word":1126,"end_word":1131,"sentiment":"positive","sentiment_score":0.3569311201572418},{"text":"You know, a thousand Yep. dollars a week from yours, $20 from hers, and it kind of adds up with the mortgage paid off So it is doesn't kind sound unreasonable. of no. So when it comes to retirement, the easiest way to think of it is, let's say, you've got a million dollars for this. You then put it into a pension account. When you're retired, you've got quite conservative with the risk of what you're investing in because you don't wanna be high Yep. risk because half is too because the stock market crashes. Yep. Now when you've got it in the conservative option, they usually aim for a four to 5% return. So I there and say, okay. If I've got a million dollars and I get a 5% return, that's from $50,000 a year, and the money won't go down. Yeah. Okay. Now if we go to a 10% withdrawal, so let's say you have 500,000 and pull out that $50 a year, it will slowly go down over time, and it will probably last around about twenty, twenty five years, which Yep. still carry you through to late eighties, early nineties. Yeah. Okay. Yep. K? Now you guys are they combined currently at 575,000. Yeah. Alright. So it's not that unattainable, especially on Yeah. seven to ten year time.","start_word":1132,"end_word":1355,"sentiment":"neutral","sentiment_score":0.15377916395664215},{"text":"And if I work back as per standard, we're basically saying that combined if you guys can get to $7.85, that's all your minimum. 1.5 is your your ideal situation that you'll never have to worry about again.","start_word":1356,"end_word":1393,"sentiment":"positive","sentiment_score":0.37986478209495544},{"text":"Mhmm. Yeah. Okay. K. So not too far off. And it means that when you hit 6 or 62 that you can either go part time and fund the Yep. bidding super to top you up a bit or just Mhmm. hang up the boots completely and just know that the super will go down for a bit until that's kicked Yep. in. Neither one sounds that bad to me from what I can see where you are in a position. Yeah. Yeah.","start_word":1394,"end_word":1476,"sentiment":"neutral","sentiment_score":0.10354534437857478},{"text":"Yeah. It's good to know, actually. Yeah.","start_word":1477,"end_word":1483,"sentiment":"positive","sentiment_score":0.5444257259368896},{"text":"And the thing too is that means so when it comes to risk levels, so you're in a growth portfolio at the moment. Yep. And generally speaking, you want eight or nine years to be in a growth risk profile to to make sure you can get the returns with the market going up and down. If Yep. we you up to high growth, and let's say we got your your shares and your property from 80% of your super to 9%, you're like like a solid date realistically because the market will once per ten years, and you Mhmm. need to have ten years to get the return average that you're on Yeah. Right. for. Okay. Is it Now is it feasible to do that just with the way the the with the with the way the world is at the moment and how unstable it is. And, I mean, Yeah. are we better off just sticking with what we've So got? Or yeah. That's what I'm sort of thinking about. Because let's say I put you in a high tomorrow, and we had another global financial crisis in 2000 '9. mhmm. Yep. Sitting at 456,000, you could very well wait in twelve months' time, and it's two hundred ninety thousand. And then you've gotta wait eight years for it to build back up to $56,000 again. Yeah. Yep. K? Now the alternative is, what are you you're decently on track for that goal as it is, then what we really need to do is maintain that growth risk profile that you've got. Maybe Mhmm. a little bit of engine because there's a of options in your portfolio I'm thinking of updating. And at the if you put in $50 a week at some point or something like Yep. that, that Yep. might just Yep. give you that extra little boost that you need to make sure it's Okay. Yeah. Well yeah. Does that Well sound a yes. bit more Yes. Salary sacrifice is something we can look at. Sure. now mortgage is obviously a big priority too, so that counts as well. So if I was to do that, point number one, I do wanna update the portfolio to make sure the return the Yep. point number two is we could start with a bit of a, you know, $50 a week to see how you and readjust it as we need to because you can turn it off if if things get you can turn it off work pretty quick. Yep. So Yep. up to you if you want me to kind of add into a strategy document see the difference that make and if you wanna give that a go for a year and and see Yeah. how I we think yeah.","start_word":1484,"end_word":1949,"sentiment":"neutral","sentiment_score":0.05150171352726259},{"text":"If we can just, yeah, boost the super up a bit more than even for those $50 a week, we can that's certainly doable.","start_word":1950,"end_word":1973,"sentiment":"positive","sentiment_score":0.5579544901847839},{"text":"So, Yep. yeah, I think that's probably not a bad idea.","start_word":1974,"end_word":1984,"sentiment":"neutral","sentiment_score":0.260427862405777},{"text":"Cool.","start_word":1985,"end_word":1985,"sentiment":"positive","sentiment_score":0.4652850031852722},{"text":"Just So what I'll to do, I'm gonna do a very, very rough projection for you. Yep. I'll give you a full in the document that I put together, but this just gives you an idea of what it might do. Yep. Yeah. Here we That go.","start_word":1986,"end_word":2032,"sentiment":"neutral","sentiment_score":0.23930209875106812},{"text":"that's that's fine. Cool.","start_word":2033,"end_word":2036,"sentiment":"positive","sentiment_score":0.3595515191555023},{"text":"So if you got 456,000 in there at the moment, and let's say you're on $73 and worked in usual 12% contributions, I'll chop off a bit of super tax that they do. And we got about $7.5 goes in. And let's see over the next ten years at the average, like 9% return for your growth that's pretty conservative. Still possibly be able to get close to $8,900 $1,000,000 Yeah. Uh-huh. because this is that period, this last ten we keep up such a big base. If I get you, say, a 10% return next year, well, that's $50,000. Yep. Yep. So you can Pretty see it good. gets very quick up there, but then at the same time, we have to reduce this down because every couple of years, we don't wanna be risking that big chunk take off of it. Mhmm. Yeah.","start_word":2037,"end_word":2181,"sentiment":"neutral","sentiment_score":0.1612147092819214},{"text":"It's always a bit of a concern, isn't it?","start_word":2182,"end_word":2190,"sentiment":"negative","sentiment_score":-0.3364088237285614},{"text":"You know, I often wonder what's gonna happen, you know, with with pricing, you know, everything's going on in The Middle East and how that's gonna affect the share market.","start_word":2191,"end_word":2220,"sentiment":"neutral","sentiment_score":-0.32175591588020325},{"text":"You know, is it gonna be collapsed? Is there you know, it's sort of a bit worrying.","start_word":2221,"end_word":2237,"sentiment":"negative","sentiment_score":-0.3766367435455322},{"text":"Yeah. But yeah. Okay. Well so you you're basically saying to stick with what what what I've got, maybe salary salary sacrifice and and and basically sort of see how we go for for a little while. Yeah. In terms of risk Okay. level, definitely. I don't think I'd be increasing a risk level at this point. Yep. I want that to go for salary sacrifice and maybe adjust it, but just make sure that based on the you guys go with mortgage, how you go with that, whether we have to stop it, increase it, we can adjust that as well. And then, yeah, like, realistically, we start those amounts. One thing I wanna give you in terms of expectations because you're gonna have to, unfortunately, live through this transition that's going on with the AIs and the wars, anything like that Yep. right before your retirement, and you did just say it was a concern. So this is very realistic possibility that's pretty much where to happen Mhmm. is that sometime between now and '60, stock is gonna have to complete cash like it Yeah. did 2009, 2020, and so on. Yeah. And do factor that in. So in the good years, you get a ten, fifteen, 20% return per year.","start_word":2238,"end_word":2450,"sentiment":"neutral","sentiment_score":-0.06002603471279144},{"text":"And then the bad years, it may actually go down 20 to 5%, even more if it's a big crash, which is why I Yeah. don't wanna go any higher than what you've currently got.","start_word":2451,"end_word":2485,"sentiment":"negative","sentiment_score":-0.45674407482147217},{"text":"Yep. But let's see what happens next year.","start_word":2486,"end_word":2493,"sentiment":"neutral","sentiment_score":0.14632494747638702},{"text":"You may then have a solid seven year growth after your contributions and your salary sacrifice.","start_word":2494,"end_word":2509,"sentiment":"positive","sentiment_score":0.33713626861572266},{"text":"And before Yep. you know it, what could happen is you go four fifty to three seventy, and then in a couple of years' time, $7,800,000 and pretty much call it quits, protect it, position you into retirement. Okay. Alright. Well, it sounds like So a plan. just bear in mind that, like, I can't I'm the market. I don't know when it's gonna happen. I do just know that every five to ten years, it does happen. We Yep. use it as a of a buying opportunity. So But then we yes. So yeah. I'm just but I know it's hard to to know what's gonna happen with the share market, but sorry. Go. do you move certain shares around when you see it's getting volatile, like, into into cash? Or is there does you know, if if things start kicking off in The Middle East, is are all the shares sort of set in place or and Yeah. where you're investing? Yeah. So there's a couple of options. So we aren't throughout the year kind of as I I watch the stock market daily, the things happen when they they crash quite quickly, and we need to be able to get you to sign off documents to change things. And then by the time that happens, it's already bouncing back up again. Yeah. So I we can. try and around with going to or anything like that. What we do do is a couple of things. So if we do a review and the market's jumped up quite a bit for the year, we can then away, start reducing saying, we're going above what we wanted to earn. Yeah. Now is Okay. the time to take some profit table Yep. in preparation for the next dip Okay. and vice versa when the market drops. So it is something to look at closely every three, six, nine, twelve months and if we adjust things, we we do those those adjustments then. Yep. Okay. Yep. The other one that we can do, and I'll look at this for you as well, is we have a portfolio called an SMA, a fully managed account, where basically we can put a bubble in your portfolio and move it to like a fee menu. What it basically means is that we have more access to change bad funds with good funds Okay. throughout the year. So Yep.","start_word":2510,"end_word":2913,"sentiment":"neutral","sentiment_score":-0.027287521306194808},{"text":"if the fund manager completely wiped out or they're just doing a horrendous job, Mhmm.","start_word":2914,"end_word":2928,"sentiment":"negative","sentiment_score":-0.4895101487636566},{"text":"we can have a have changed to a better manager. We wouldn't sell it to cash and and, you know, time the market, but we can recognize when someone's doing bad enough, they need to be replaced. Okay. So if you okay to consider that, what I'll basically do is wanna compare your current portfolio with update of a couple of that I was thinking and then also that SMA structure, and then you and I can have out about which one go through. Okay.","start_word":2929,"end_word":3013,"sentiment":"neutral","sentiment_score":-0.082992322742939},{"text":"That sounds good.","start_word":3014,"end_word":3016,"sentiment":"positive","sentiment_score":0.33388596773147583},{"text":"Okay? And I'll add in a bit of objection for the sorry, sacrifice so you can see what that does. Yeah. Okay. Yeah. Okay. Yeah. No. That's it sounds good. Cool. Yeah. Now It's it's obviously pretty hard. You don't have a crystal ball to look at things, but it's interesting to know that yeah. You're you're saying on average, every sort of ten years, it's a crash, basically. So, yeah, so we're we're overdue. Yeah. Well, we had the COVID one was pretty fun, and sometimes three years and sometimes it's fine, and you can't Yep. really tell when. And the thing is you don't wanna be sitting there not in this thing, getting Yeah. any of returns, and then just waiting for something to happen that doesn't happen for another ten years. That's right. Yeah. Okay. But the two things that we do do is, like I said, every review, we're gonna see how the market and what we need to adjust. Mhmm. And at the same time, when we build our portfolio, the investment committee, we do look at things like how the world's going to AI. So let's get a little bit of exposure to those companies, tech stocks, and things like that, but not so much that if that turns into a bubble and explode that your super gets backed out. So we do use the buzzword of diversification, and that's when you see those reports you send through the review pack, you've got eight different investment options because we're trying to spread you to different countries, different sectors to at least minimize the risk that if one big shock comes in one area, that Yep. affects Okay. yours disproportionately. Yeah. Okay. Yep. Alright. Well, you guys are the professionals, so it sounds sounds sounds like you got that sort of cover the bases sort of. And I do take it very seriously because at the end of the day, the last years is so important because whatever happens in the next decade, that's the life that you have afterwards to on. Yeah. Okay. Yeah. So the last sort of you're saying the last sort of seven years is a real sort of where you really need to sort of perform. And I'd say that most of your growth is here, the last sort of five, Yep. seven years. Yeah. You basically need to get the returns to get you those last few $100, and then you need to sell it and then protect it before it crashes. Mhmm. Not too early not to so that's why the reviews in the last ten years are so important. And we not serious discussions, but you know what I mean? We're gonna be it's not like you're thirty five years of stuff like, oh, yeah. That and forget it. Okay. Yeah. Yeah. Okay. Well, if you can, you know, get a couple of projections on, you know, with this with the salary sacrifice and Mhmm. the fees. I I don't yeah. See what differences it makes, but I'm I'm happy to salary sacrifice. And, yeah, we'll just concentrate on getting the mortgage down. And, yeah, we'll we'll go on your Yep. advice on what to do and, yeah, hopefully, I'll trump you doesn't do anything too silly in the meantime. Yeah. One last thing last year. I do have to quickly touch on the insurance policy as well. But in terms of the risk level, if I can project that you're still gonna be on track for retirement comfortably, do you want me to look at pumping it down slightly to if you're at a four out of five, maybe, like, a 3.5 or something like just Yeah. to take a bit off the table now. Yep. Yep. Hello? Yeah. I'll consider that because, again, even then, balance profiles, three out of five not as safe as people think they are. I'm not trying to scare you, but I'm just Yep. saying, like, I know what happens to the profile across the industry when these events happen, and I don't want to be shocked by it. There will be a year where there's a big taken off, and we need to get it up. But Yep. I if I can get you there with the least necessary, that might be better for you.","start_word":3017,"end_word":3742,"sentiment":"neutral","sentiment_score":0.013123720730385504},{"text":"That sounds that sounds good.","start_word":3743,"end_word":3747,"sentiment":"positive","sentiment_score":0.4700267016887665},{"text":"Yeah. Let's let's have a look at that.","start_word":3748,"end_word":3755,"sentiment":"neutral","sentiment_score":0.20146507024765015},{"text":"Awesome.","start_word":3756,"end_word":3756,"sentiment":"positive","sentiment_score":0.4902576208114624},{"text":"Alright. So I'll I'll have a look at that one. Different portfolios, slight risk adjustment, and the and Yep. we'll see how that looks. And, again, you get to sign off and and make sure you're comfortable with what we're doing. Yep. Outside of that, so the other thing I wanted to just quickly touch on was just in terms of estate planning, and that's listed to receive the super and the insurance is beneficial. I'm assuming you're still okay for that. Yeah. Yep. Cool. And did you guys send a like a will put in place at some point? No. We haven't. No. But, yeah, we've we've yeah. We need to do that sooner rather than later. Yeah. Yeah. We'll Here's get the on annual we'll get reminder on for that one. yeah. We'll get on to that.","start_word":3757,"end_word":3895,"sentiment":"neutral","sentiment_score":0.11762450635433196},{"text":"Awesome.","start_word":3896,"end_word":3896,"sentiment":"positive","sentiment_score":0.4423936605453491},{"text":"And then just quickly on the ins because there was a couple of things here. I'll try and keep this as straightforward as possible. You have a MetLife policy, and Yeah. that includes life insurance with disability. So if you away or can never work again, there's a lump sum of around $3.32, 226,000. That'll sort of pop off, and it'll pay off the We Yep. previous had it $3.04, so it was kind of trying to pay off the mortgage. Yep.","start_word":3897,"end_word":3978,"sentiment":"neutral","sentiment_score":0.05517337948265599},{"text":"Now those two combined, they're only $1,500 a year out of the it gets a percent tax rebate, which drops it a bit lower as well.","start_word":3979,"end_word":4004,"sentiment":"positive","sentiment_score":0.35880446434020996},{"text":"You do have protection. Yes. Now the protection is oh, it's about just under 2,000 a year, so that's also not crazy in terms of premium. All of Mhmm. these will jump up quite a bit, though, through the fifties. Point where before you know it, at 58, you might be paying $78,000. So I need to keep a lid on premiums. It makes sense for cost and fees. Yep. Yep. Now you have waiting period of days. So if you're out of work for a few months, it'll kick in $4,000 a month for up to two years just to kind of get you guys by on the repayments and and whatnot. But So was what was it the waiting period? What was the waiting period for that? so there was a ninety day waiting period, and I know that they posed a question about what cost would be to reduce that down to thirty days. Or you're even let's see, even sixty days. Do you have that figure at all or or not? I do I do actually still in date. So let me just quickly look at that. And I, yeah, I'm going to broach this with you as well. So I have opened the alteration quote. Right. So now bear in mind when it comes to from the contributions, like, I I need to factor that into the projections as well. Not sure it's backwards on the fees. Mhmm. We've got total gross of 3,600. And to bump it to a thirty day waiting period, 5,100 for the rebate. So it's an extra $48 a year. Yeah. Okay. I know you guys have the draw there. It's about a 100 range in to try and if you needed to. Yeah. Yeah. Okay. Oh, let me let me check to the wife about that. We we might just leave it where it is.","start_word":4005,"end_word":4320,"sentiment":"neutral","sentiment_score":0.0316652192445354},{"text":"Worst comes to the worst, if I get if I can work, my wife can go full time.","start_word":4321,"end_word":4338,"sentiment":"negative","sentiment_score":-0.3861340880393982},{"text":"So, yeah, let let let's leave it at ninety days for now, and I'll have a chat to the wife and because that's a little quite a little quite a lot more, isn't it? Okay. Yeah. Yeah. Okay. Like, it's not too bad for and it can be like, yeah, it's not gonna hurt the super too much for twelve months, but I know in three years' time when the next $3 coming out for all of it, it's Yeah.","start_word":4339,"end_word":4418,"sentiment":"neutral","sentiment_score":-0.02657843939960003},{"text":"just gonna slow things down considerably.","start_word":4419,"end_word":4424,"sentiment":"negative","sentiment_score":-0.49995577335357666},{"text":"Yeah. Yeah. Okay. Okay. Is it worth I mean, even with mine with with the actual insurance policy, they what if I got 332,000, was it? Yeah. For Okay. life insurance, Yeah. $2.70 So 6 for yeah. disability. Yeah. Okay. Is it is it worth dropping that down or just just so we're getting more sort of more growth into the super? I know Normally, it's a bit I'd of a say yes. The but, realistically, $3.82 and let's say I chopped it in half Mhmm. to kind of line up with the mortgage, which I think was sitting at $1.80 ish. Yep. Yep. You're gonna be dollar premium to $3.50. So if you want going, it'll make a small difference, but, like, it's not gonna offset increases that happen income protection over the next few years. Yeah. Okay. Alright. Okay.","start_word":4425,"end_word":4565,"sentiment":"neutral","sentiment_score":0.02196638658642769},{"text":"But the good news is even so, like before, still tracking well for the retirement goals.","start_word":4566,"end_word":4581,"sentiment":"positive","sentiment_score":0.47277382016181946},{"text":"Like, we can afford to take a little less risk put Yep. extra Okay. contributions in.","start_word":4582,"end_word":4597,"sentiment":"neutral","sentiment_score":0.26133087277412415},{"text":"You're still gonna hit it.","start_word":4598,"end_word":4602,"sentiment":"positive","sentiment_score":0.35265854001045227},{"text":"I'll keep an eye on the poll with you every year as well as what's up for the markets. But I just wanted to at least double check these since Yep. Yep. No. No. I appreciate that. we Okay. Well, if if you think we're did tracking alright, and we we start get with a salary sacrifice, and I'll discuss with the wife whether you know, if if it's worth dropping the insurance policy and the I think we'll leave the waiting time as is with Yep. the income protection. Yeah. K. I think yeah. If we can yeah. I think that that'll be the goal for now.","start_word":4603,"end_word":4710,"sentiment":"neutral","sentiment_score":0.08606325400372346},{"text":"Cool.","start_word":4711,"end_word":4711,"sentiment":"positive","sentiment_score":0.4727591276168823},{"text":"So what I'll do is when you get a chance that annual review is out to you guys on that email address, Mhmm. It does include the certificate of currency down each covers. So that way you guys can have a bit of a chat about it. It'll give you more of a visual to see if they're looking at.","start_word":4712,"end_word":4771,"sentiment":"neutral","sentiment_score":0.28762730956077576},{"text":"Awesome. Okay. Cool.","start_word":4772,"end_word":4774,"sentiment":"positive","sentiment_score":0.5114651918411255},{"text":"Oh, one thing I'm gonna do as well is just in terms of services with Yep. So just with all of the changes that, you know, electricity costs went up and the on crate, the rest of it, We have changed our fee structure into a bit of a period fee structure and raise the prices slightly as well. But for you guys, we on that couple's fee discount. Sevian Bart are gonna grandfather that for two months Okay. Yep. and keep you guys on the discounted rate of the 1.1%. Yeah.","start_word":4775,"end_word":4866,"sentiment":"neutral","sentiment_score":0.12656596302986145},{"text":"So Nice.","start_word":4867,"end_word":4868,"sentiment":"positive","sentiment_score":0.4972919821739197},{"text":"that way, it's it's kept there for a little while, and then we can talk in twelve months about any and if it's still okay for you guys, if you still feel there's value. Yep. Okay. What what's your maximum increase in fees a year? So we charge 1.65% and Okay. couples at 1.1. What we've done tiered structure is everyone above 200,000 gets a disc everyone above 500 gets a discount as well, but that first 200 is back to 1.6 Okay. 5. So Okay. I've got a little bit of a calculator there, and I know that as you guys increase in balance, it's gonna be really helpful. You'll actually be in a better position. But for that year or two, it'll will slight increase cost. Okay. Okay. Yeah. Well, I'll we keep knew that. it I knew one that point when one we for when the we signed up. Yeah. That that that there could be increases. So yep. That's alright. As yeah. long as you keep us in the know on on what the increases are and and was another twelve months. So yep. Yeah.","start_word":4869,"end_word":5057,"sentiment":"neutral","sentiment_score":0.0944367181608286},{"text":"And that's why the reviews are important too because, you know, we need your consent every year to advisers, and we wanna make sure you're feeling like you're getting the value for it for the money that we're charging.","start_word":5058,"end_word":5096,"sentiment":"positive","sentiment_score":0.3613382577896118},{"text":"Mhmm. Yep. And just in this circumstance, because the way the world's gone, the guys haven't increased the fees for years, and at some point, we just had to to review it a little bit. But, again, like I said, for twelve months, and when it comes to that time, probably won't be too much of an impact. Okay. Okay. Oh, just had another question. It's gone. I can't remember now. Okay. Well, okay.","start_word":5097,"end_word":5170,"sentiment":"neutral","sentiment_score":-0.12699072062969208},{"text":"Well, that all sounds pretty good.","start_word":5171,"end_word":5176,"sentiment":"positive","sentiment_score":0.3760190010070801},{"text":"So yeah. You know, you guys are official, so we'll we'll go on on on your advice. And yeah. Yeah.","start_word":5177,"end_word":5196,"sentiment":"neutral","sentiment_score":0.23928144574165344},{"text":"I mean, we the the first couple of years, we had a we had a pretty good growth, especially the first year.","start_word":5197,"end_word":5218,"sentiment":"positive","sentiment_score":0.33533158898353577},{"text":"What are we Yeah. what percentage are we running at at the moment? So what's your name again? Tell me. Tom. Yeah. Yeah. Are are you are we sort of 7%, 8%? Or Yeah. It's still hit. Let me have a look at one because it it's been so volatile that it changes when they update the prices for the day 03/04. Let me have a look at today's one. I'll just before it looks good. Yeah. Market dropped pretty pretty badly in March, but you're still clear percent off these. Hello?","start_word":5219,"end_word":5310,"sentiment":"neutral","sentiment_score":-0.05249442532658577},{"text":"The long term's still double digits, which is good.","start_word":5311,"end_word":5319,"sentiment":"positive","sentiment_score":0.3745952248573303},{"text":"Again, like I said, there's a couple of options in there that have underperformed just in terms of fund managers being a bit weird property market since those changes were announced with legislation. So Yep. I'm just gonna look reviewing a couple of those, get it bumped up a little bit, and Okay. I may even get a slight higher with the lower risk is what I'm aiming for.","start_word":5320,"end_word":5388,"sentiment":"neutral","sentiment_score":-0.014195437988509302},{"text":"That sounds good to me, The Tom. trifecta.","start_word":5389,"end_word":5396,"sentiment":"positive","sentiment_score":0.5981769561767578},{"text":"Well, we could do with it. Yeah.","start_word":5397,"end_word":5403,"sentiment":"neutral","sentiment_score":0.29422280192375183},{"text":"Absolutely.","start_word":5404,"end_word":5404,"sentiment":"positive","sentiment_score":0.4118663072586059},{"text":"So I'll leave that with you guys. You please have a look at it with Nat. Yep. We Sign will. off if Yep. you're comfortable with it. And in about two weeks' time, Michelle will give you a call to to book in, run through the update strategies with all the actions and alternatives in there. And Mhmm. Any questions you've we can go through that then as well. Mhmm. Okay.","start_word":5405,"end_word":5475,"sentiment":"neutral","sentiment_score":0.1728217899799347},{"text":"That sounds good.","start_word":5476,"end_word":5478,"sentiment":"positive","sentiment_score":0.46778470277786255},{"text":"I'll have a I'll have a chat with the wife. We'll get the the wheels sorted as well, and and I'll have a quick chat with her about just dropping maybe just dropping the the life insurance down a little bit. You you you think it's you don't seem to think it's a biggie, the money that's gonna be saved? Yeah. Because what I'm thinking is if you can like, you were saying, look, we sacrifice $2 a week. That's $2.5 going in. If we Yep. save $300 in premium, it's not gonna get you $100 in retirement or anything like that. Yeah. Yeah. Okay. Alright then. Okay. If you can get that sent through, we'll we'll we'll we'll have a read through everything and and then hear from you in two weeks.","start_word":5479,"end_word":5611,"sentiment":"neutral","sentiment_score":0.04261142760515213},{"text":"Amazing. Great. Thank you so much for your time.","start_word":5612,"end_word":5620,"sentiment":"positive","sentiment_score":0.5611879825592041},{"text":"I really appreciate diving into all corners of all uncomfortable conversations with me.","start_word":5621,"end_word":5633,"sentiment":"neutral","sentiment_score":0.30576658248901367},{"text":"But I do appreciate you letting me take the time to to look at with you, and I will do my absolute best to get you in something you're comfortable with. You know, I really appreciate that.","start_word":5634,"end_word":5670,"sentiment":"positive","sentiment_score":0.42363566160202026},{"text":"It's, you know, I was I'm I'm I'm thinking I should have probably changed over a lot sooner. I think I left my run a bit late, but we're we're with you guys now, and we've had good results. So, yeah, we've yeah. Yeah. Just wanna, yeah, get get to that point where we're gonna be you know, we're not asking for a huge retirement.","start_word":5671,"end_word":5735,"sentiment":"neutral","sentiment_score":0.21089559495449067},{"text":"We're just hoping that we can live comfortably.","start_word":5736,"end_word":5743,"sentiment":"positive","sentiment_score":0.36521193385124207},{"text":"You know?","start_word":5744,"end_word":5745,"sentiment":"neutral","sentiment_score":0.2903599143028259},{"text":"So that that seems to be the goal for everyone.","start_word":5746,"end_word":5755,"sentiment":"positive","sentiment_score":0.4547420442104339},{"text":"So These yeah. days, people don't wanna get the New York flat anymore and live over like, just have Yeah. the house I don't have to worry anymore. Yeah. That's that's pretty much it. So yeah.","start_word":5756,"end_word":5791,"sentiment":"neutral","sentiment_score":0.12519195675849917},{"text":"We're we're sort of fairly simple people. We just we we live a simple life. So yeah. We're not too extravagant. So, yeah, that that would be good. It'd be a good result.","start_word":5792,"end_word":5824,"sentiment":"positive","sentiment_score":0.48620861768722534},{"text":"Alright, mate. Leave it with me, and I'll talk to you in a couple of weeks.","start_word":5825,"end_word":5840,"sentiment":"neutral","sentiment_score":0.16552340984344482},{"text":"Alright. Thank you, mate. Thanks. See you later.","start_word":5841,"end_word":5848,"sentiment":"positive","sentiment_score":0.6060925126075745},{"text":"Bye. Bye.","start_word":5849,"end_word":5850,"sentiment":"neutral","sentiment_score":0.26339706778526306}],"average":{"sentiment":"neutral","sentiment_score":0.0663487767852017}}}}