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It's because it's a new call, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And I'll just get you to confirm your full name, date of birth, and address again, please. Fantastic. Beautiful. Is now a good time for you? Yeah. Okay. Beautiful. Well, the purpose of the call is just to complete your annual review that's due. What I'd like to start, first of all, is to just review the information that we have on file for you to make sure that it is current and relevant, up to date, I guess. So first of all, your, are you married or de facto? Yep. Beautiful. And still with Courtney Brown Fraser? Yep. Still just one child? Beautiful. And his name's Carter? Yes. Fantastic. Alright. We've got Courtney down here as your next of kin, but we don't have a phone number for her. Would I be able to grab that from you? Yeah? Yep. 333. Nice easy number. Alright. So moving on to your employment and income details, I have you here as a QA project engineer. Is that still correct? Yep. Yep. And you still work at heights over 12 meters? Yeah. Or hazardous materials of any kind? Yep. Yep. Fair enough. We had a breakdown of office first field or on-site, whichever way you like to refer to it as a sixty forty breakdown. Do you think that's still correct? Yeah. Okay. No worries. And is your employer's name still Cross River Rail? UGL. Okay. Okay. Yeah. Okay. That's alright. Whoever just play pays you super. So would that be UGL? Yep. Fantastic. And how long have you been in with UGL for? Okay. Are you still full time and thirty eight hours a week? Yep. And we have your income down at a 165,000. Is that right? Yep. Is that plus super? Yeah. Do you know how much you clear a week roughly? Is it fair? Yeah. Yeah. Okay. That's $885.51. Now is that after tax or before tax? Okay. Beautiful. I can work that backwards after. That's fine. We have your expenditure here as $900 a week. Would that be correct? Yeah. Does that include mortgage repayment? No. What do you I know. Right? It'd be the dream, wouldn't it? No. No, unfortunately. What is your mortgage unfortunately. What is your mortgage repayment with the whatever frequency you pay it? No. Round figures is fine. Yeah. Roughly. A month? Yep. And you is that just a minimum, or do you pay extra? Beautiful. We have your savings per week down at $250. Is that still correct? $250 a week, You're saving? Yes. Yeah. Okay. And do you have the balance of your savings account? Yep. Beautiful. And you just use that as, like, an emergency fund as well or something like that? Yep. Fair enough. Yep. Beautiful. Beautiful. Fantastic. Any other assets or liabilities that you can think of? Yep. I don't actually have it written I don't have it recorded. What's that valued at? Okay. Yep. Yep. Okay. Any debt attached to it? No. Okay. Yep. Yep. Okay. Beautiful. Okay. And how much would that be worth? Audience. Yeah. Okay. Any debt on the D Max or the caravan? No? Beautiful. Any other assets you can think of or debt? No? Okay. Now we have your mortgage as about 673,000 outstanding. Would that be right? Okay. Beautiful. Thank you. Alright. Now moving on to yep. Okay. Okay. Alright. Beautiful. Now I have a couple of financial questions I need to ask. Have you ever been declared bankrupt? Not ever had a debt agreement of any kind? Nope. Cute. Alright. Now from a health and lifestyle perspective, are you a smoker? No. Have you ever been a smoker in the past? Was it within the last twelve months? No. Okay. Do you have any significant health issues or injuries? Okay. And so the acid reflux is a result of your hernia. Yeah. Where did you say the hernia was again? Sorry. Yeah. Yep. Okay. And you take medication for that? Do you what type? Alright. And do you have private health insurance? Yep. Okay. And I have your height and weight down here as a hundred and seventy five centimeters and eighty kilos. Would that still be correct? Eighty seven, did you say? Yep. Beautiful. Okay. And then from an estate planning perspective, do you have a will or power of attorney in place? No. Okay. Alright. I'm gonna jump back up to your goals and objectives that you we have on file from the last time that we met or had your review. Basically, one of them was to pay off as debt as possible and career progression to earn more money. Are they still relevant? Yep. Yeah. Yeah. Okay. So is there a certain time frame that you ideally want your mortgage repaid down in or your personal loan repaid down in? Did you want yeah. Are you with the personal loan, are you making additional repayments, or is that just the time frame? Yep. Yeah. Did you want any advice to look at paying down those clicker for the amounts you'd need to do in those that period of time, or you're hap or are you happy to manage that yourself? Yeah. I'd need a little bit of details from you for it, if that's okay. With the per personal loan, do you know the time frame that's left on the loan itself? Is it was it originally seven years and it's down to I'm just trying to think. What bank are you with? Yeah. Yeah. I'm not sure. Do you have a statement or anything like that? A statement? Can you click on in your banking app and see if there's a statement anywhere? No. You're absolutely fine. Take your time. They don't make it easy to find information these days. Potentially, what what I could do is I could email you post the meeting, if you like, of a list of the items we need for me to be able to look at that for you. Yep. Yep. No. That's okay. Do you know what well, if you've got act I might be able to work backwards. Do you have the interest rate? Okay. And the outstanding balance you gave me, that's correct. 40,000? Okay. And in a perfect world, how what time frame would you you said three to five years. Is it more closer to three years or five years? Yep. Yep. I can give both options anyway. Trim five. With your home loan, what's your interest rate on that? 6.24%. Alright. And in an ideal world, would you like that paid off in ten years, fifteen years? What do you or by a certain age? Because what we can do is we can actually see if your cash flow supports it, number one, and then devise a plan if you like to see how we can do that and how how much interest potentially you can save. Yep. Yep. That's okay. What we'll do is we'll have a look at the figures anyway, but that gives me a guide to at least work with. The three options. Yep. Yeah. Beautiful. Yep. I can do that. Because I note that one of your goals also is being debt free in retirement, which is a big one for everyone. So that's working towards that. Speaking of retire exactly. Yeah. Yep. Speaking of retirement, what would be your ideal retirement age? What are you aiming towards? Me too. Oh, Yep. And then yeah. Yeah. Alright. And if you were to retire at 65 debt free, how much do you think you and Renee it's Renee, isn't it? No. Courtney. Sorry. I was looking at a different screen. Courtney would need Sorry. My apologies. That's the problem with having three screens. You've got too many to look at. Okay. So in retirement, what would be an the an appropriate level of income that you would need per week or per fortnight in today's dollars? Yes. Yeah. Yeah. Yeah. Right. Yeah. Yep. Do you think that would cover holidays or and you go, or you'd need a bit more? No. Yes. Yes. Mhmm. This is very expensive, isn't it? Okay. Well, that that gives me something to model too. And, like, even though retirement's so far out and we think, gosh, we've got so much time, it gives me some goals to look at of what we need to do. Pre retirement, pretty much, to be honest with you. Yeah. And we base it in today's dollars because, you know, today's a thousand dollars could be worth, you know, $2,500 in, you know, thirty years' time. So that's why we're saying today's dollars just to allow for the inflation. You know, the cost the rise rise continuous ever never ending cost of living rising. So, yeah, that's pretty standard, to be honest with you. As long as you're debt free, you know, you'd have additional holidays, you'd probably need a little bit more, which is always that like, as we get closer to our time that we can allow for, that's easy. But it's just something to work towards to know how to structure the things that we need to structure. The next goal was about your superannuation. You just like continuous growth, ensure that there's enough to support your family in retirement, have active management with a proactive approach to in Is that still current? Yep. Alright. That's great. Good to hear. Beautiful. Well, we'll chat about that a little bit more shortly in relation to the actual portfolio itself. But the last thing is your own well, not the last thing. The goal that you had noted was you just wanna you wanna be covered insurance wise to protect your family. Still appropriate? Yep. Yep. Yeah. So that probably leads into the next thing from me is raising the the lack of estate planning, being your wills and power of attorney. If any I always use yesterday as an example because we know that it did not happen. But if something was to happen to you yesterday, if you were to die without a will, that leaves Courtney in a pretty bad situation along with Carter as, basically, the the the public trustees get involved to sort out who is a true beneficiary automatically that everything would just transfer to Courtney. The house may, depending on how it's structured, whether it's joint tenants or tenants in common. But but separate bank accounts, superannuation has to have specific beneficiaries noted for it to automatically go to Courtney, which we'll make sure is in place. But all other assets yes. Yep. Yep. Yeah. So bank accounts and vice versa as well with Courtney. Important for her to have it in place also because if anything happens to her, you may you may also need access to her superannuation and her stuff. So they're pretty important documents to have in place. We do have a professional partner that we work with that arranges them or works with our clients to put them in place, I guess. Really quite reasonably priced, but, like, based on my experience and some of them I've seen. So we have a brochure that we can email you that gives you the cost. Do you want me to email that to you just for you and Courtney to have a look at? Yeah. Okay. Beautiful. And with your review frequency, are you happy to do that annually, or would you like it more frequent? Mm-mm. It's it's totally it's totally up to you. You're not limited in the amount of so you so even if you are on an annual review cycle, say, for example, something comes up in three or four or six, nine months time that you wanna have a chat about or you're concerned about or you need some additional advice on, you just give us a call. You're not limited to the one time per year. We meet with clients as regularly as they need. Need. One 100%. Yeah. Yep. 100%. Alright. I'm gonna jump over to one last one last question. With your risk profile, so that's how we invest your funds, you're currently as a growth investor. Estranged shares, property estranged shares, property, and some alternative growth options with the remaining 20% being invested in fixed interest and cash. There's a recommended minimum time frame of years to be able to withstand and hold any market volatility and fluctuations with the expectation of roughly one in every five years being a negative year. So that's the risk profile that you're currently in at the moment. And we can talk more about that, but I just wanted to probably set the scene for that to as we go into your actual review documents so we can talk about that a little bit more. So do you have access to your emails at all? Yep. Have you received an email from? Yep. That's me. So what that's got your review pack. So if you open that email and click on sign, I believe it brings up a review pack of documents. You don't you're not actually signing anything until we walk walk through everything or until you're absolutely comfortable. So when you've got that open, just let me know. Beautiful. Fantastic. So your front page is a brief overview of your summary of what you have in place at the moment. You can see your super balance is sitting at the $1,230.06 mark, and we've got your life and TPD insurance at 1.85, round it, million, and your income protection at $9,736 per month with a thirty day waiting period and a six year benefit period. The premiums of that is $2,572.51 per annum, and that's funded from your hub twenty four account. Those levels of cover, do you feel that they're still adequate? Do you want them reviewed? Are they still in line with your original goals and objectives as to why you took out those levels of cover? Yep. Yep. Yes. Yeah. Yeah. Yeah. Yep. So yep. So then we'd add your super balance onto to that amount. So, typically, that's how it's structured with young families, and it's pretty in line with what we see. The only type of insurance that's missing from a full risk protection portfolio is trauma insurance. Trauma insurance is a policy, an insurance policy that would cover you with a lump sum payment tax free if you're diagnosed with a certain medical event. Trauma policies, they have about between just over 40 defined events ranging from different types of cancer, heart attack, stroke, neurological diseases. And if you made a definition or a category, so depending, you know, cancer, there's different stages. And with heart attacks, there are different categories of them. If you made it at the insured definition, then you would you would receive a lump sum payment. It's kind of a policy that sits between TPD and income protection being that you're not likely to be totally and permanently disabled initially depending on the the type of medical condition it is. And your income protection, you may end up with maybe a couple of weeks being paid a benefit and then back at work. And you might decide that that's not something for you. So, typically, a good example of that would be, I don't know, if you suffered a heart attack, you know, you might have a of that would be, I don't know, if you suffered a heart attack, you'd probably have some stents put in, need to change your lifestyle, etcetera, all the things they say, and you might be back at work in five weeks, which means you get roughly a week of your income protection and you're back at work. But you might decide that you don't wanna go back to work and you you want a bit of a break to actually rec recoup, that's where a trauma policy would come into effect. So it's it mhmm. It's like an excess. Yeah. Think of it like an excess, like, you know, how you pay car excess. That's your income protection excess, basically, so you don't get paid for thirty days. Yep. That's the absolute minimum available, the thirty day. They used to have many, many years ago a fourteen day waiting period. It sort of became unaffordable because it pretty much can double the income it used to double the income protection premium. So, typically, everyone's on a thirty day. That's one of the most popular, I should say, but others select a sixty day or a ninety day waiting period also. So I guess, yeah, in the in the meantime, some people take advantage of their sick leave and annual leave to cover those those days, And then usually have to make up the difference between some savings until you get to that thirty day mark. Yep. So that's what it and, yeah, so trauma is what I was explaining. I just needed I need to explain that because you do have a gap there. Whether you want advice on it or not is entirely up to you, but I just need to explain it to you to make sure that you can actually make an informed decision. Yeah. Yep. Alright. Perfect. That's absolutely fine. The next document over is your performance with hub twenty four, your performance report for the last twelve months. So you will see yep. You'll see that very first one. You can't miss it. Banna Long Australian Equities. A negative return of 16.10%. What we're doing is we're looking at replacing that well, not looking at replacing. We're investigating with all of our clients an alternative if it's you know, suits their goals and objectives to look at replacing. The reason being is that the Benelung Australian Equities Fund has underperformed due to their investment mandate. It's not in relation to the Australian share market as a whole. So Bennelong will their investment mandate is to identify what they believe is underperforming assets in the Australian share market for growth opportunities. Unfortunately, it's been the banks and the big the big the big banks and financial institutions that have performed in the last twelve or so months. And we wouldn't we don't rush to replace the funds or an investment option just due to underperformance, but this has been about twelve months or so of underperformance. So this is why we're looking at it now. So if you're comfortable with that, I would like to investigate looking at replacing that. Yep. Beautiful. And then the next one down in that you'll see is the beta bank hybrid ETF. Hasn't performed badly, hasn't, you know, income wise, but and it forms part of that defensive part of your portfolio, so the 20% of your defensive assets. The the Australian banking system's changing. And from January 2027, the banks are phasing out the hybrids as an investment option. So, basically, what I'm doing with the clients that I'm working with is that I wanna take a little bit more of a proactive approach. I don't know what the banks are gonna offer as replacement in January 2027. I'd just like to look at other options out there to see if there is an alternative that we can that we don't have to wait and see kind of thing. So if you're happy with me doing that, I'd like to do that also. Beautiful. The rest of your portfolio, you know, it's great. It's got a few satellite options. So they're ones that we we call them satellite because they float around your big investment options being, you know, Australian share market, The US international share market. So you've got your satellite, so your global cyber, your global battery tech and lithium. You've got some physical gold in there and also some property, which has had some poor performance in the last couple of weeks. So that's not an ongoing that's not something that's been occurring for the last twelve months. That's only just recently. That that the property ETF has had a bit of a turnaround, but it's not a systemic issue that we're concerned about at the moment. So, overall, pretty happy with the portfolio besides those two options that we wanna look at alternatives. The next document is called a Vanguard index chart. This is just a visual tool for yourself. We share it with our clients. So, a visual tool for yourself. We share it with our clients. So you'll recall before I I spoke of the 80% to growth assets and 20 to the defensive. The top four on the right hand side, US shares, Australian international, and Australian listed property. They're your growth assets, and you can see from that the volatility and market movement they experience over the long term. The bottom two, Australian bonds and cash, ignore CPI because that's not part of your portfolio. But they're your defensive assets. So you'll see that over time, they do have a little bit of growth, but they're more income producing than anything. So when we look at your superannuation fund, we look at how long you've got to access it. So at the moment, based on current legislation, age 60 is your preservation age. So you still have twenty four plus year twenty four odd years before you can actually access your super. So that tells us that you being a minimum of six years as an investment time frame is that you can handle and withstand the ebbs and flows of the share market as long as you're comfortable with that. Yep. Okay. Beautiful. The next document over is your certificate of currency with one pass. Again, it's just reiterating what was on the front page. Your son's insured for your cover and what it costs. The next document is an extremely exciting one. It is our financial services guide. Basically, all that that's that's a legal doc a legal requirement for us to provide to our clients, and it explains who we are, who our licensee is, more most importantly, that we are licensed with ASIC, the type of advice we provide and how we provide fees, and if you if there's something you're unhappy with, how to make a complaint. So that document, if you don't keep this invest this review pack, is always available on our website as well. The next document is the annual fee document. So this is the client and, you know, engaging it with us in our the services we provide, The estimated fee will be $2,084.32 per annum. So what is done with that, it's divided by 12 and then deducted from the fund monthly. So you're looking at a $173.69 per month. Yeah. Any questions about that? No? Okay. And then the last document there is your it says option to provide a tax file number, but it's confirmation that you are aware and you're comfortable with us holding your tax file number. We had it from establishing super funds and with Hub and from privacy perspective, we get the clients to sign off to say you that you're comfortable for us to still hold that for you on your behalf. Yep. So from that's the documents that you have. So those last two do require your electronic signature if you're when if you wanna review them and when you're comfortable to sign them. What my action items post this meeting is is to review those investment options, have a look at debt repayment for you, and how that can be structured to try and reduce that for you. And what I might also do when I send you through the estate planning document for you to have a look at for the referral the ref not the referral, the professional partner for you and Courtney to have a have a look at. I might send you a spreadsheet with your cash with a cash flow. So if you can give me a kind of overview of the full household income and expenses, I can then work that in with the the repayment of debt to see if you like, if you're happy to do that, or if you just want me to give you the figures to repay the debts in three to five years and then the home loan ten, fifteen, or twenty years, I can do that as well. It's entirely up to you. Yep. I get so we'll I'll send you through a spreadsheet, and you just simply pop it pop in the details, and you can send it back to me. Yep. Beautiful. Alright. Do you have any questions for me? Mhmm. Oh, okay. Yeah. Oh, that's oh, that's good. That's good. Well, if at any point in time you do have some questions, please feel free to reach out. Otherwise, you'll you'll yep. Yep. Not the trauma unless you want me to. I can send you some information on the trauma insurance, but I was gonna send you information on the estate planning, your wills, and power of attorney. And I was gonna send send you a spreadsheet on to feel for your cash flow, your household cash flow, because that can help payment quicker. I can yep. I can do that. Yeah. Yep. What I can do is I'll send you the general information. Yeah. I'll send you the general information of what a trauma policy is, and you're with one path. So what I'll do in that is I will provide a link or I'll provide a snip, an image from the PDF showing what type of conditions are covered, and you can have a look at those as well. I'll provide one pass. I mean, there's many other insurance companies out there that do this type of cover, but I'll provide one pass because that's who you're currently with just for a general information piece for yourself. So I'll send those out to you. Alright. So what I also probably about in two weeks' time, you'll hear from me or one of my colleagues just to book in another time to go through the changes that we're gonna look at for those insurance options and those and just prevent present that advice to you. It could be a little bit longer just depending on how long it takes for you to come back to me with that cash flow spreadsheet because I'll incorporate that all in the same document. So once you get that cash flow back to me, I'll be able to get working on it. Alright. Beautiful. Too easy. Well, thanks for your time, Sean. I appreciate it. And I hope you have a wonderful afternoon. Okay. 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Sean. It's Jenna here phoning from Financial. How are you? I'm well. Thanks.\n\nSorry. It's because it's a new call, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Beautiful. And I'll just get you to confirm your full name, date of birth, and address again, please.\n\nFantastic. Beautiful. Is now a good time for you? Yeah. Okay.\n\nBeautiful. Well, the purpose of the call is just to complete your annual review that's due. What I'd like to start, first of all, is to just review the information that we have on file for you to make sure that it is current and relevant, up to date, I guess. So first of all, your, are you married or de facto? Yep.\n\nBeautiful. And still with Courtney Brown Fraser? Yep. Still just one child? Beautiful.\n\nAnd his name's Carter? Yes. Fantastic. Alright. We've got Courtney down here as your next of kin, but we don't have a phone number for her.\n\nWould I be able to grab that from you? Yeah? Yep. 333. Nice easy number.\n\nAlright. So moving on to your employment and income details, I have you here as a QA project engineer. Is that still correct? Yep. Yep.\n\nAnd you still work at heights over 12 meters? Yeah. Or hazardous materials of any kind? Yep. Yep.\n\nFair enough. We had a breakdown of office first field or on-site, whichever way you like to refer to it as a sixty forty breakdown. Do you think that's still correct? Yeah. Okay.\n\nNo worries. And is your employer's name still Cross River Rail? UGL. Okay. Okay.\n\nYeah. Okay. That's alright. Whoever just play pays you super. So would that be UGL?\n\nYep. Fantastic. And how long have you been in with UGL for? Okay. Are you still full time and thirty eight hours a week?\n\nYep. And we have your income down at a 165,000. Is that right? Yep. Is that plus super?\n\nYeah. Do you know how much you clear a week roughly? Is it fair? Yeah. Yeah.\n\nOkay. That's $885.51. Now is that after tax or before tax? Okay. Beautiful.\n\nI can work that backwards after. That's fine. We have your expenditure here as $900 a week. Would that be correct? Yeah.\n\nDoes that include mortgage repayment? No. What do you I know. Right? It'd be the dream, wouldn't it?\n\nNo. No, unfortunately. What is your mortgage unfortunately. What is your mortgage repayment with the whatever frequency you pay it? No.\n\nRound figures is fine. Yeah. Roughly. A month? Yep.\n\nAnd you is that just a minimum, or do you pay extra? Beautiful. We have your savings per week down at $250. Is that still correct? $250 a week, You're saving?\n\nYes. Yeah. Okay. And do you have the balance of your savings account? Yep.\n\nBeautiful. And you just use that as, like, an emergency fund as well or something like that? Yep. Fair enough. Yep.\n\nBeautiful. Beautiful. Fantastic. Any other assets or liabilities that you can think of? Yep.\n\nI don't actually have it written I don't have it recorded. What's that valued at? Okay. Yep. Yep.\n\nOkay. Any debt attached to it? No. Okay. Yep.\n\nYep. Okay. Beautiful. Okay. And how much would that be worth?\n\nAudience. Yeah. Okay. Any debt on the D Max or the caravan? No?\n\nBeautiful. Any other assets you can think of or debt? No? Okay. Now we have your mortgage as about 673,000 outstanding.\n\nWould that be right? Okay. Beautiful. Thank you. Alright.\n\nNow moving on to yep. Okay. Okay. Alright. Beautiful.\n\nNow I have a couple of financial questions I need to ask. Have you ever been declared bankrupt? Not ever had a debt agreement of any kind? Nope. Cute.\n\nAlright. Now from a health and lifestyle perspective, are you a smoker? No. Have you ever been a smoker in the past? Was it within the last twelve months?\n\nNo. Okay. Do you have any significant health issues or injuries? Okay. And so the acid reflux is a result of your hernia.\n\nYeah. Where did you say the hernia was again? Sorry. Yeah. Yep.\n\nOkay. And you take medication for that? Do you what type? Alright. And do you have private health insurance?\n\nYep. Okay. And I have your height and weight down here as a hundred and seventy five centimeters and eighty kilos. Would that still be correct? Eighty seven, did you say?\n\nYep. Beautiful. Okay. And then from an estate planning perspective, do you have a will or power of attorney in place? No.\n\nOkay. Alright. I'm gonna jump back up to your goals and objectives that you we have on file from the last time that we met or had your review. Basically, one of them was to pay off as debt as possible and career progression to earn more money. Are they still relevant?\n\nYep. Yeah. Yeah. Okay. So is there a certain time frame that you ideally want your mortgage repaid down in or your personal loan repaid down in?\n\nDid you want yeah. Are you with the personal loan, are you making additional repayments, or is that just the time frame? Yep. Yeah. Did you want any advice to look at paying down those clicker for the amounts you'd need to do in those that period of time, or you're hap or are you happy to manage that yourself?\n\nYeah. I'd need a little bit of details from you for it, if that's okay. With the per personal loan, do you know the time frame that's left on the loan itself? Is it was it originally seven years and it's down to I'm just trying to think. What bank are you with?\n\nYeah. Yeah. I'm not sure. Do you have a statement or anything like that? A statement?\n\nCan you click on in your banking app and see if there's a statement anywhere? No. You're absolutely fine. Take your time. They don't make it easy to find information these days.\n\nPotentially, what what I could do is I could email you post the meeting, if you like, of a list of the items we need for me to be able to look at that for you. Yep. Yep. No. That's okay.\n\nDo you know what well, if you've got act I might be able to work backwards. Do you have the interest rate? Okay. And the outstanding balance you gave me, that's correct. 40,000?\n\nOkay. And in a perfect world, how what time frame would you you said three to five years. Is it more closer to three years or five years? Yep. Yep.\n\nI can give both options anyway. Trim five. With your home loan, what's your interest rate on that? 6.24%. Alright.\n\nAnd in an ideal world, would you like that paid off in ten years, fifteen years? What do you or by a certain age? Because what we can do is we can actually see if your cash flow supports it, number one, and then devise a plan if you like to see how we can do that and how how much interest potentially you can save. Yep. Yep.\n\nThat's okay. What we'll do is we'll have a look at the figures anyway, but that gives me a guide to at least work with. The three options. Yep. Yeah.\n\nBeautiful. Yep. I can do that. Because I note that one of your goals also is being debt free in retirement, which is a big one for everyone. So that's working towards that.\n\nSpeaking of retire exactly. Yeah. Yep. Speaking of retirement, what would be your ideal retirement age? What are you aiming towards?\n\nMe too. Oh, Yep. And then yeah. Yeah. Alright.\n\nAnd if you were to retire at 65 debt free, how much do you think you and Renee it's Renee, isn't it? No. Courtney. Sorry. I was looking at a different screen.\n\nCourtney would need Sorry. My apologies. That's the problem with having three screens. You've got too many to look at. Okay.\n\nSo in retirement, what would be an the an appropriate level of income that you would need per week or per fortnight in today's dollars? Yes. Yeah. Yeah. Yeah.\n\nRight. Yeah. Yep. Do you think that would cover holidays or and you go, or you'd need a bit more? No.\n\nYes. Yes. Mhmm. This is very expensive, isn't it? Okay.\n\nWell, that that gives me something to model too. And, like, even though retirement's so far out and we think, gosh, we've got so much time, it gives me some goals to look at of what we need to do. Pre retirement, pretty much, to be honest with you. Yeah. And we base it in today's dollars because, you know, today's a thousand dollars could be worth, you know, $2,500 in, you know, thirty years' time.\n\nSo that's why we're saying today's dollars just to allow for the inflation. You know, the cost the rise rise continuous ever never ending cost of living rising. So, yeah, that's pretty standard, to be honest with you. As long as you're debt free, you know, you'd have additional holidays, you'd probably need a little bit more, which is always that like, as we get closer to our time that we can allow for, that's easy. But it's just something to work towards to know how to structure the things that we need to structure.\n\nThe next goal was about your superannuation. You just like continuous growth, ensure that there's enough to support your family in retirement, have active management with a proactive approach to in Is that still current? Yep. Alright. That's great.\n\nGood to hear. Beautiful. Well, we'll chat about that a little bit more shortly in relation to the actual portfolio itself. But the last thing is your own well, not the last thing. The goal that you had noted was you just wanna you wanna be covered insurance wise to protect your family.\n\nStill appropriate? Yep. Yep. Yeah. So that probably leads into the next thing from me is raising the the lack of estate planning, being your wills and power of attorney.\n\nIf any I always use yesterday as an example because we know that it did not happen. But if something was to happen to you yesterday, if you were to die without a will, that leaves Courtney in a pretty bad situation along with Carter as, basically, the the the public trustees get involved to sort out who is a true beneficiary automatically that everything would just transfer to Courtney. The house may, depending on how it's structured, whether it's joint tenants or tenants in common. But but separate bank accounts, superannuation has to have specific beneficiaries noted for it to automatically go to Courtney, which we'll make sure is in place. But all other assets yes.\n\nYep. Yep. Yeah. So bank accounts and vice versa as well with Courtney. Important for her to have it in place also because if anything happens to her, you may you may also need access to her superannuation and her stuff.\n\nSo they're pretty important documents to have in place. We do have a professional partner that we work with that arranges them or works with our clients to put them in place, I guess. Really quite reasonably priced, but, like, based on my experience and some of them I've seen. So we have a brochure that we can email you that gives you the cost. Do you want me to email that to you just for you and Courtney to have a look at?\n\nYeah. Okay. Beautiful. And with your review frequency, are you happy to do that annually, or would you like it more frequent? Mm-mm.\n\nIt's it's totally it's totally up to you. You're not limited in the amount of so you so even if you are on an annual review cycle, say, for example, something comes up in three or four or six, nine months time that you wanna have a chat about or you're concerned about or you need some additional advice on, you just give us a call. You're not limited to the one time per year. We meet with clients as regularly as they need. Need.\n\nOne 100%. Yeah. Yep. 100%. Alright.\n\nI'm gonna jump over to one last one last question. With your risk profile, so that's how we invest your funds, you're currently as a growth investor. Estranged shares, property estranged shares, property, and some alternative growth options with the remaining 20% being invested in fixed interest and cash. There's a recommended minimum time frame of years to be able to withstand and hold any market volatility and fluctuations with the expectation of roughly one in every five years being a negative year. So that's the risk profile that you're currently in at the moment.\n\nAnd we can talk more about that, but I just wanted to probably set the scene for that to as we go into your actual review documents so we can talk about that a little bit more. So do you have access to your emails at all? Yep. Have you received an email from? Yep.\n\nThat's me. So what that's got your review pack. So if you open that email and click on sign, I believe it brings up a review pack of documents. You don't you're not actually signing anything until we walk walk through everything or until you're absolutely comfortable. So when you've got that open, just let me know.\n\nBeautiful. Fantastic. So your front page is a brief overview of your summary of what you have in place at the moment. You can see your super balance is sitting at the $1,230.06 mark, and we've got your life and TPD insurance at 1.85, round it, million, and your income protection at $9,736 per month with a thirty day waiting period and a six year benefit period. The premiums of that is $2,572.51 per annum, and that's funded from your hub twenty four account.\n\nThose levels of cover, do you feel that they're still adequate? Do you want them reviewed? Are they still in line with your original goals and objectives as to why you took out those levels of cover? Yep. Yep.\n\nYes. Yeah. Yeah. Yeah. Yep.\n\nSo yep. So then we'd add your super balance onto to that amount. So, typically, that's how it's structured with young families, and it's pretty in line with what we see. The only type of insurance that's missing from a full risk protection portfolio is trauma insurance. Trauma insurance is a policy, an insurance policy that would cover you with a lump sum payment tax free if you're diagnosed with a certain medical event.\n\nTrauma policies, they have about between just over 40 defined events ranging from different types of cancer, heart attack, stroke, neurological diseases. And if you made a definition or a category, so depending, you know, cancer, there's different stages. And with heart attacks, there are different categories of them. If you made it at the insured definition, then you would you would receive a lump sum payment. It's kind of a policy that sits between TPD and income protection being that you're not likely to be totally and permanently disabled initially depending on the the type of medical condition it is.\n\nAnd your income protection, you may end up with maybe a couple of weeks being paid a benefit and then back at work. And you might decide that that's not something for you. So, typically, a good example of that would be, I don't know, if you suffered a heart attack, you know, you might have a of that would be, I don't know, if you suffered a heart attack, you'd probably have some stents put in, need to change your lifestyle, etcetera, all the things they say, and you might be back at work in five weeks, which means you get roughly a week of your income protection and you're back at work. But you might decide that you don't wanna go back to work and you you want a bit of a break to actually rec recoup, that's where a trauma policy would come into effect. So it's it mhmm.\n\nIt's like an excess. Yeah. Think of it like an excess, like, you know, how you pay car excess. That's your income protection excess, basically, so you don't get paid for thirty days. Yep.\n\nThat's the absolute minimum available, the thirty day. They used to have many, many years ago a fourteen day waiting period. It sort of became unaffordable because it pretty much can double the income it used to double the income protection premium. So, typically, everyone's on a thirty day. That's one of the most popular, I should say, but others select a sixty day or a ninety day waiting period also.\n\nSo I guess, yeah, in the in the meantime, some people take advantage of their sick leave and annual leave to cover those those days, And then usually have to make up the difference between some savings until you get to that thirty day mark. Yep. So that's what it and, yeah, so trauma is what I was explaining. I just needed I need to explain that because you do have a gap there. Whether you want advice on it or not is entirely up to you, but I just need to explain it to you to make sure that you can actually make an informed decision.\n\nYeah. Yep. Alright. Perfect. That's absolutely fine.\n\nThe next document over is your performance with hub twenty four, your performance report for the last twelve months. So you will see yep. You'll see that very first one. You can't miss it. Banna Long Australian Equities.\n\nA negative return of 16.10%. What we're doing is we're looking at replacing that well, not looking at replacing. We're investigating with all of our clients an alternative if it's you know, suits their goals and objectives to look at replacing. The reason being is that the Benelung Australian Equities Fund has underperformed due to their investment mandate. It's not in relation to the Australian share market as a whole.\n\nSo Bennelong will their investment mandate is to identify what they believe is underperforming assets in the Australian share market for growth opportunities. Unfortunately, it's been the banks and the big the big the big banks and financial institutions that have performed in the last twelve or so months. And we wouldn't we don't rush to replace the funds or an investment option just due to underperformance, but this has been about twelve months or so of underperformance. So this is why we're looking at it now. So if you're comfortable with that, I would like to investigate looking at replacing that.\n\nYep. Beautiful. And then the next one down in that you'll see is the beta bank hybrid ETF. Hasn't performed badly, hasn't, you know, income wise, but and it forms part of that defensive part of your portfolio, so the 20% of your defensive assets. The the Australian banking system's changing.\n\nAnd from January 2027, the banks are phasing out the hybrids as an investment option. So, basically, what I'm doing with the clients that I'm working with is that I wanna take a little bit more of a proactive approach. I don't know what the banks are gonna offer as replacement in January 2027. I'd just like to look at other options out there to see if there is an alternative that we can that we don't have to wait and see kind of thing. So if you're happy with me doing that, I'd like to do that also.\n\nBeautiful. The rest of your portfolio, you know, it's great. It's got a few satellite options. So they're ones that we we call them satellite because they float around your big investment options being, you know, Australian share market, The US international share market. So you've got your satellite, so your global cyber, your global battery tech and lithium.\n\nYou've got some physical gold in there and also some property, which has had some poor performance in the last couple of weeks. So that's not an ongoing that's not something that's been occurring for the last twelve months. That's only just recently. That that the property ETF has had a bit of a turnaround, but it's not a systemic issue that we're concerned about at the moment. So, overall, pretty happy with the portfolio besides those two options that we wanna look at alternatives.\n\nThe next document is called a Vanguard index chart. This is just a visual tool for yourself. We share it with our clients. So, a visual tool for yourself. We share it with our clients.\n\nSo you'll recall before I I spoke of the 80% to growth assets and 20 to the defensive. The top four on the right hand side, US shares, Australian international, and Australian listed property. They're your growth assets, and you can see from that the volatility and market movement they experience over the long term. The bottom two, Australian bonds and cash, ignore CPI because that's not part of your portfolio. But they're your defensive assets.\n\nSo you'll see that over time, they do have a little bit of growth, but they're more income producing than anything. So when we look at your superannuation fund, we look at how long you've got to access it. So at the moment, based on current legislation, age 60 is your preservation age. So you still have twenty four plus year twenty four odd years before you can actually access your super. So that tells us that you being a minimum of six years as an investment time frame is that you can handle and withstand the ebbs and flows of the share market as long as you're comfortable with that.\n\nYep. Okay. Beautiful. The next document over is your certificate of currency with one pass. Again, it's just reiterating what was on the front page.\n\nYour son's insured for your cover and what it costs. The next document is an extremely exciting one. It is our financial services guide. Basically, all that that's that's a legal doc a legal requirement for us to provide to our clients, and it explains who we are, who our licensee is, more most importantly, that we are licensed with ASIC, the type of advice we provide and how we provide fees, and if you if there's something you're unhappy with, how to make a complaint. So that document, if you don't keep this invest this review pack, is always available on our website as well.\n\nThe next document is the annual fee document. So this is the client and, you know, engaging it with us in our the services we provide, The estimated fee will be $2,084.32 per annum. So what is done with that, it's divided by 12 and then deducted from the fund monthly. So you're looking at a $173.69 per month. Yeah.\n\nAny questions about that? No? Okay. And then the last document there is your it says option to provide a tax file number, but it's confirmation that you are aware and you're comfortable with us holding your tax file number. We had it from establishing super funds and with Hub and from privacy perspective, we get the clients to sign off to say you that you're comfortable for us to still hold that for you on your behalf.\n\nYep. So from that's the documents that you have. So those last two do require your electronic signature if you're when if you wanna review them and when you're comfortable to sign them. What my action items post this meeting is is to review those investment options, have a look at debt repayment for you, and how that can be structured to try and reduce that for you. And what I might also do when I send you through the estate planning document for you to have a look at for the referral the ref not the referral, the professional partner for you and Courtney to have a have a look at.\n\nI might send you a spreadsheet with your cash with a cash flow. So if you can give me a kind of overview of the full household income and expenses, I can then work that in with the the repayment of debt to see if you like, if you're happy to do that, or if you just want me to give you the figures to repay the debts in three to five years and then the home loan ten, fifteen, or twenty years, I can do that as well. It's entirely up to you. Yep. I get so we'll I'll send you through a spreadsheet, and you just simply pop it pop in the details, and you can send it back to me.\n\nYep. Beautiful. Alright. Do you have any questions for me? Mhmm.\n\nOh, okay. Yeah. Oh, that's oh, that's good. That's good. Well, if at any point in time you do have some questions, please feel free to reach out.\n\nOtherwise, you'll you'll yep. Yep. Not the trauma unless you want me to. I can send you some information on the trauma insurance, but I was gonna send you information on the estate planning, your wills, and power of attorney. And I was gonna send send you a spreadsheet on to feel for your cash flow, your household cash flow, because that can help payment quicker.\n\nI can yep. I can do that. Yeah. Yep. What I can do is I'll send you the general information.\n\nYeah. I'll send you the general information of what a trauma policy is, and you're with one path. So what I'll do in that is I will provide a link or I'll provide a snip, an image from the PDF showing what type of conditions are covered, and you can have a look at those as well. I'll provide one pass. I mean, there's many other insurance companies out there that do this type of cover, but I'll provide one pass because that's who you're currently with just for a general information piece for yourself.\n\nSo I'll send those out to you. Alright. So what I also probably about in two weeks' time, you'll hear from me or one of my colleagues just to book in another time to go through the changes that we're gonna look at for those insurance options and those and just prevent present that advice to you. It could be a little bit longer just depending on how long it takes for you to come back to me with that cash flow spreadsheet because I'll incorporate that all in the same document. So once you get that cash flow back to me, I'll be able to get working on it.\n\nAlright. Beautiful. Too easy. Well, thanks for your time, Sean. I appreciate it.\n\nAnd I hope you have a wonderful afternoon. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sean.","start":3.6,"end":4.16,"sentiment":"neutral","sentiment_score":0.07874109596014023},{"text":"It's Jenna here phoning from Financial.","start":4.16,"end":6.1,"sentiment":"neutral","sentiment_score":0.08980042984088261},{"text":"How are you?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.11237673213084538},{"text":"I'm well.","start":9.28,"end":10.0,"sentiment":"positive","sentiment_score":0.416532501578331},{"text":"Thanks.","start":10.0,"end":10.5,"sentiment":"positive","sentiment_score":0.44261008501052856}],"sentiment":"neutral","sentiment_score":0.16493500396609306,"num_words":14,"start":3.6,"end":10.5},{"sentences":[{"text":"Sorry.","start":10.88,"end":11.2,"sentiment":"neutral","sentiment_score":-0.05047905072569847},{"text":"It's because it's a new call, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":11.2,"end":16.605,"sentiment":"neutral","sentiment_score":-0.052534154251865715},{"text":"Is that okay?","start":16.605,"end":17.505001,"sentiment":"neutral","sentiment_score":0.009211900333563486},{"text":"Beautiful.","start":19.485,"end":19.985,"sentiment":"positive","sentiment_score":0.6081467866897583},{"text":"And I'll just get you to confirm your full name, date of birth, and address again, please.","start":20.205,"end":24.385,"sentiment":"neutral","sentiment_score":0.15207746712600484}],"sentiment":"neutral","sentiment_score":0.04360744067364269,"num_words":45,"start":10.88,"end":24.385},{"sentences":[{"text":"Fantastic.","start":33.43,"end":33.93,"sentiment":"positive","sentiment_score":0.6198201775550842},{"text":"Beautiful.","start":34.309998,"end":34.809998,"sentiment":"positive","sentiment_score":0.6393798589706421},{"text":"Is now a good time for you?","start":35.83,"end":37.53,"sentiment":"positive","sentiment_score":0.43608992440359934},{"text":"Yeah.","start":39.03,"end":39.53,"sentiment":"neutral","sentiment_score":0.15824055671691897},{"text":"Okay.","start":39.75,"end":40.25,"sentiment":"neutral","sentiment_score":0.21287494897842407}],"sentiment":"positive","sentiment_score":0.4257222739132968,"num_words":11,"start":33.43,"end":40.25},{"sentences":[{"text":"Beautiful.","start":40.309998,"end":40.809998,"sentiment":"positive","sentiment_score":0.37005460262298584},{"text":"Well, the purpose of the call is just to complete your annual review that's due.","start":42.555,"end":46.895,"sentiment":"neutral","sentiment_score":0.12044337689876557},{"text":"What I'd like to start, first of all, is to just review the information that we have on file for you to make sure that it is current and relevant, up to date, I guess.","start":49.515,"end":64.52,"sentiment":"neutral","sentiment_score":0.08266193685787064},{"text":"So first of all, your, are you married or de facto?","start":66.02,"end":74.775,"sentiment":"neutral","sentiment_score":0.0073596480387178335},{"text":"Yep.","start":77.395004,"end":77.895004,"sentiment":"neutral","sentiment_score":0.05547105520963669}],"sentiment":"neutral","sentiment_score":0.08263968618675357,"num_words":63,"start":40.309998,"end":77.895004},{"sentences":[{"text":"Beautiful.","start":78.355,"end":78.855,"sentiment":"neutral","sentiment_score":0.18217918276786804},{"text":"And still with Courtney Brown Fraser?","start":79.475006,"end":81.895004,"sentiment":"neutral","sentiment_score":0.05157859312991301},{"text":"Yep.","start":83.715004,"end":84.215004,"sentiment":"neutral","sentiment_score":0.022454505786299706},{"text":"Still just one child?","start":84.435005,"end":85.895004,"sentiment":"neutral","sentiment_score":0.019745664205402136},{"text":"Beautiful.","start":87.85,"end":88.33,"sentiment":"neutral","sentiment_score":0.14013667404651642}],"sentiment":"neutral","sentiment_score":0.05640189063090544,"num_words":13,"start":78.355,"end":88.33},{"sentences":[{"text":"And his name's Carter?","start":88.33,"end":89.79,"sentiment":"neutral","sentiment_score":0.05196058191359043},{"text":"Yes.","start":91.37,"end":91.85,"sentiment":"neutral","sentiment_score":0.14202484488487244},{"text":"Fantastic.","start":91.85,"end":92.35,"sentiment":"positive","sentiment_score":0.36454394459724426},{"text":"Alright.","start":92.89,"end":93.39,"sentiment":"neutral","sentiment_score":0.12411044538021088},{"text":"We've got Courtney down here as your next of kin, but we don't have a phone number for her.","start":93.93,"end":98.17,"sentiment":"neutral","sentiment_score":0.059667814522981644}],"sentiment":"neutral","sentiment_score":0.07585423224820541,"num_words":26,"start":88.33,"end":98.17},{"sentences":[{"text":"Would I be able to grab that from you?","start":98.17,"end":102.655,"sentiment":"neutral","sentiment_score":0.0330978874117136},{"text":"Yeah?","start":103.675,"end":104.175,"sentiment":"neutral","sentiment_score":0.009004181250929832},{"text":"Yep.","start":105.195,"end":105.695,"sentiment":"neutral","sentiment_score":0.013223646208643912},{"text":"333.","start":107.994995,"end":108.715,"sentiment":"neutral","sentiment_score":0.04833713173866272},{"text":"Nice easy number.","start":108.715,"end":109.774994,"sentiment":"positive","sentiment_score":0.3585989971955617}],"sentiment":"neutral","sentiment_score":0.09628286249935628,"num_words":15,"start":98.17,"end":109.774994},{"sentences":[{"text":"Alright.","start":112.420006,"end":112.740005,"sentiment":"neutral","sentiment_score":0.0742231011390686},{"text":"So moving on to your employment and income details, I have you here as a QA project engineer.","start":112.740005,"end":118.340004,"sentiment":"neutral","sentiment_score":0.034595397714939385},{"text":"Is that still correct?","start":118.340004,"end":119.48,"sentiment":"neutral","sentiment_score":0.020255160983651876},{"text":"Yep.","start":120.9,"end":121.4,"sentiment":"neutral","sentiment_score":-0.00949722807854414},{"text":"Yep.","start":122.020004,"end":122.42,"sentiment":"neutral","sentiment_score":-0.010533811524510384}],"sentiment":"neutral","sentiment_score":0.03031719457358122,"num_words":25,"start":112.420006,"end":122.42},{"sentences":[{"text":"And you still work at heights over 12 meters?","start":122.42,"end":128.815,"sentiment":"neutral","sentiment_score":-0.03798396119640933},{"text":"Yeah.","start":128.815,"end":129.315,"sentiment":"neutral","sentiment_score":-0.05704702436923981},{"text":"Or hazardous materials of any kind?","start":129.375,"end":131.635,"sentiment":"neutral","sentiment_score":-0.1797417253255844},{"text":"Yep.","start":133.855,"end":134.355,"sentiment":"neutral","sentiment_score":-0.01650533266365528},{"text":"Yep.","start":135.055,"end":135.455,"sentiment":"neutral","sentiment_score":-0.02222728729248047}],"sentiment":"neutral","sentiment_score":-0.08422698039147589,"num_words":18,"start":122.42,"end":135.455},{"sentences":[{"text":"Fair enough.","start":135.455,"end":136.19499,"sentiment":"neutral","sentiment_score":-0.052136143669486046},{"text":"We had a breakdown of office first field or on-site, whichever way you like to refer to it as a sixty forty breakdown.","start":138.36,"end":147.66,"sentiment":"neutral","sentiment_score":0.006652722013709338},{"text":"Do you think that's still correct?","start":147.72,"end":149.26001,"sentiment":"neutral","sentiment_score":0.004468553699553013},{"text":"Yeah.","start":155.295,"end":155.795,"sentiment":"neutral","sentiment_score":0.006557566579431295},{"text":"Okay.","start":157.535,"end":158.035,"sentiment":"neutral","sentiment_score":0.0302896611392498}],"sentiment":"neutral","sentiment_score":0.0034060263300709653,"num_words":33,"start":135.455,"end":158.035},{"sentences":[{"text":"No worries.","start":158.255,"end":159.075,"sentiment":"neutral","sentiment_score":0.047843001782894135},{"text":"And is your employer's name still Cross River 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week?","start":202.985,"end":206.125,"sentiment":"neutral","sentiment_score":0.04018480618568984}],"sentiment":"neutral","sentiment_score":0.08782186242751777,"num_words":24,"start":190.89,"end":206.125},{"sentences":[{"text":"Yep.","start":208.02501,"end":208.52501,"sentiment":"neutral","sentiment_score":0.04480411857366562},{"text":"And we have your income down at a 165,000.","start":208.66501,"end":211.865,"sentiment":"neutral","sentiment_score":0.043946298874086805},{"text":"Is that right?","start":211.865,"end":212.765,"sentiment":"neutral","sentiment_score":0.06501591205596924},{"text":"Yep.","start":217.38501,"end":217.785,"sentiment":"neutral","sentiment_score":0.02580452337861061},{"text":"Is that plus super?","start":217.785,"end":226.42,"sentiment":"neutral","sentiment_score":0.005421611713245511}],"sentiment":"neutral","sentiment_score":0.0379366397133304,"num_words":18,"start":208.02501,"end":226.42},{"sentences":[{"text":"Yeah.","start":227.68,"end":228.18,"sentiment":"neutral","sentiment_score":0.014591877348721027},{"text":"Do you know how much you clear a week roughly?","start":228.4,"end":233.355,"sentiment":"neutral","sentiment_score":0.010491639189422131},{"text":"Is it fair?","start":234.055,"end":235.355,"sentiment":"neutral","sentiment_score":0.011658755131065845},{"text":"Yeah.","start":235.97499,"end":236.47499,"sentiment":"neutral","sentiment_score":0.01521803718060255},{"text":"Yeah.","start":236.53499,"end":236.855,"sentiment":"neutral","sentiment_score":0.017324093729257584}],"sentiment":"neutral","sentiment_score":0.011689166596625,"num_words":16,"start":227.68,"end":236.855},{"sentences":[{"text":"Okay.","start":236.855,"end":237.355,"sentiment":"neutral","sentiment_score":0.018747985363006592},{"text":"That's $885.51.","start":257.7,"end":262.845,"sentiment":"neutral","sentiment_score":0.006435125833377242},{"text":"Now is that after tax or before tax?","start":262.845,"end":265.185,"sentiment":"neutral","sentiment_score":-0.0028995146276429296},{"text":"Okay.","start":267.165,"end":267.665,"sentiment":"neutral","sentiment_score":0.04623297601938248},{"text":"Beautiful.","start":269.485,"end":269.965,"sentiment":"positive","sentiment_score":0.4313754737377167}],"sentiment":"neutral","sentiment_score":0.037386966905055136,"num_words":13,"start":236.855,"end":269.965},{"sentences":[{"text":"I can work that backwards after.","start":269.965,"end":272.305,"sentiment":"neutral","sentiment_score":0.26822112252314884},{"text":"That's fine.","start":275.085,"end":276.065,"sentiment":"neutral","sentiment_score":0.19577114284038544},{"text":"We have your expenditure here as $900 a week.","start":277.15002,"end":282.43002,"sentiment":"neutral","sentiment_score":0.08142771157953474},{"text":"Would that be correct?","start":282.43002,"end":283.41,"sentiment":"neutral","sentiment_score":0.07928789965808392},{"text":"Yeah.","start":287.79,"end":288.29,"sentiment":"neutral","sentiment_score":0.01867365464568138}],"sentiment":"neutral","sentiment_score":0.13952471265061336,"num_words":22,"start":269.965,"end":288.29},{"sentences":[{"text":"Does that include mortgage repayment?","start":288.35,"end":290.29,"sentiment":"neutral","sentiment_score":-0.008142558485269546},{"text":"No.","start":291.705,"end":292.205,"sentiment":"negative","sentiment_score":-0.34822607040405273},{"text":"What do you I know.","start":294.585,"end":298.425,"sentiment":"neutral","sentiment_score":0.03303717374801636},{"text":"Right?","start":298.425,"end":298.665,"sentiment":"neutral","sentiment_score":0.04963201656937599},{"text":"It'd be the dream, wouldn't 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figures is fine.","start":320.72,"end":322.065,"sentiment":"neutral","sentiment_score":-0.045636109076440334},{"text":"Yeah.","start":322.065,"end":322.565,"sentiment":"neutral","sentiment_score":-0.004532654769718647},{"text":"Roughly.","start":323.10498,"end":323.60498,"sentiment":"neutral","sentiment_score":-0.00262631569057703},{"text":"A month?","start":329.26498,"end":329.925,"sentiment":"neutral","sentiment_score":-0.003028602572157979},{"text":"Yep.","start":331.82498,"end":332.22498,"sentiment":"neutral","sentiment_score":0.017042987048625946}],"sentiment":"neutral","sentiment_score":-0.01985751387352745,"num_words":9,"start":320.72,"end":332.22498},{"sentences":[{"text":"And you is that just a minimum, or do you pay extra?","start":332.22498,"end":337.28,"sentiment":"neutral","sentiment_score":-0.011728224189331135},{"text":"Beautiful.","start":338.14,"end":338.64,"sentiment":"positive","sentiment_score":0.4271976947784424},{"text":"We have your savings per week down at $250.","start":340.78,"end":344.46,"sentiment":"neutral","sentiment_score":0.16604527831077576},{"text":"Is that still correct?","start":344.46,"end":345.6,"sentiment":"neutral","sentiment_score":0.09276054427027702},{"text":"$250 a week, You're saving?","start":348.46,"end":350.715,"sentiment":"neutral","sentiment_score":0.01155215110629797}],"sentiment":"neutral","sentiment_score":0.07127965941664673,"num_words":31,"start":332.22498,"end":350.715},{"sentences":[{"text":"Yes.","start":357.41498,"end":357.91498,"sentiment":"neutral","sentiment_score":0.01817897707223892},{"text":"Yeah.","start":367.33,"end":367.83,"sentiment":"neutral","sentiment_score":0.01639869622886181},{"text":"Okay.","start":371.65,"end":372.15,"sentiment":"neutral","sentiment_score":0.025728490203619003},{"text":"And do you have the balance of your savings 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of?","start":408.45502,"end":411.595,"sentiment":"neutral","sentiment_score":0.17030650451779367},{"text":"Yep.","start":416.45502,"end":416.67,"sentiment":"neutral","sentiment_score":0.00738587137311697}],"sentiment":"neutral","sentiment_score":0.21582616858982615,"num_words":14,"start":403.03998,"end":416.67},{"sentences":[{"text":"I don't actually have it written I don't have it recorded.","start":421.79,"end":424.61002,"sentiment":"neutral","sentiment_score":-0.05137965354052457},{"text":"What's that valued 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worth?","start":466.285,"end":467.985,"sentiment":"neutral","sentiment_score":0.0266624747642449}],"sentiment":"neutral","sentiment_score":0.0602674682370641,"num_words":11,"start":453.63,"end":467.985},{"sentences":[{"text":"Audience.","start":470.445,"end":470.945,"sentiment":"neutral","sentiment_score":0.025795023888349533},{"text":"Yeah.","start":471.965,"end":472.125,"sentiment":"neutral","sentiment_score":0.010788056068122389},{"text":"Okay.","start":472.125,"end":472.44,"sentiment":"neutral","sentiment_score":0.0044572483748197556},{"text":"Any debt on the D Max or the caravan?","start":472.68,"end":475.02,"sentiment":"neutral","sentiment_score":-0.006029188012083371},{"text":"No?","start":478.44,"end":478.94,"sentiment":"neutral","sentiment_score":-0.06946521997451782}],"sentiment":"neutral","sentiment_score":-0.006360583365536653,"num_words":13,"start":470.445,"end":478.94},{"sentences":[{"text":"Beautiful.","start":479.08002,"end":479.58002,"sentiment":"neutral","sentiment_score":0.1484309732913971},{"text":"Any other assets you can think of or debt?","start":479.96,"end":483.34,"sentiment":"neutral","sentiment_score":0.02177810524072912},{"text":"No?","start":487.96,"end":488.415,"sentiment":"neutral","sentiment_score":-0.030955852940678596},{"text":"Okay.","start":488.495,"end":488.995,"sentiment":"neutral","sentiment_score":-0.005163363181054592},{"text":"Now we have your mortgage as about 673,000 outstanding.","start":489.45502,"end":494.355,"sentiment":"neutral","sentiment_score":-0.0017732028605274132}],"sentiment":"neutral","sentiment_score":0.013921708504356155,"num_words":21,"start":479.08002,"end":494.355},{"sentences":[{"text":"Would that be right?","start":494.415,"end":495.475,"sentiment":"neutral","sentiment_score":0.01308997767046094},{"text":"Okay.","start":515.17,"end":515.65,"sentiment":"neutral","sentiment_score":0.1828201562166214},{"text":"Beautiful.","start":515.65,"end":516.15,"sentiment":"positive","sentiment_score":0.5885237455368042},{"text":"Thank you.","start":516.53,"end":517.43,"sentiment":"positive","sentiment_score":0.6225020289421082},{"text":"Alright.","start":518.745,"end":519.225,"sentiment":"neutral","sentiment_score":0.15478432178497314}],"sentiment":"neutral","sentiment_score":0.24705468801160654,"num_words":9,"start":494.415,"end":519.225},{"sentences":[{"text":"Now moving on to 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type?","start":607.775,"end":608.755,"sentiment":"neutral","sentiment_score":-0.031792428344488144},{"text":"Alright.","start":617.695,"end":618.175,"sentiment":"neutral","sentiment_score":-0.001416494487784803},{"text":"And do you have private health insurance?","start":618.175,"end":622.16,"sentiment":"neutral","sentiment_score":-0.022178508873496736}],"sentiment":"neutral","sentiment_score":-0.02632643642075556,"num_words":19,"start":604.36005,"end":622.16},{"sentences":[{"text":"Yep.","start":623.26,"end":623.76,"sentiment":"neutral","sentiment_score":-0.027223100885748863},{"text":"Okay.","start":624.22,"end":624.72,"sentiment":"neutral","sentiment_score":-0.009701531380414965},{"text":"And I have your height and weight down here as a hundred and seventy five centimeters and eighty kilos.","start":625.02,"end":630.54,"sentiment":"neutral","sentiment_score":-0.011065051131146518},{"text":"Would that still be correct?","start":630.54,"end":631.605,"sentiment":"neutral","sentiment_score":-0.007991737127304077},{"text":"Eighty seven, did you say?","start":640.96497,"end":643.365,"sentiment":"neutral","sentiment_score":-0.015553588792681695}],"sentiment":"neutral","sentiment_score":-0.011770555914770211,"num_words":31,"start":623.26,"end":643.365},{"sentences":[{"text":"Yep.","start":643.365,"end":643.685,"sentiment":"positive","sentiment_score":0.3866217732429504},{"text":"Beautiful.","start":643.685,"end":644.165,"sentiment":"positive","sentiment_score":0.7483874559402466},{"text":"Okay.","start":644.165,"end":644.665,"sentiment":"neutral","sentiment_score":0.20553839206695557},{"text":"And then from an estate planning perspective, do you have a will or power of attorney in place?","start":645.68994,"end":651.94995,"sentiment":"neutral","sentiment_score":0.04811655181563563},{"text":"No.","start":655.52997,"end":655.93,"sentiment":"neutral","sentiment_score":-0.07104608416557312}],"sentiment":"neutral","sentiment_score":0.09707270317118276,"num_words":22,"start":643.365,"end":655.93},{"sentences":[{"text":"Okay.","start":655.93,"end":656.43,"sentiment":"neutral","sentiment_score":0.022197959944605827},{"text":"Alright.","start":656.97,"end":657.47,"sentiment":"neutral","sentiment_score":0.09773428738117218},{"text":"I'm gonna jump back up to your goals and objectives that you we have on file from the last time that we met or had your review.","start":658.96497,"end":667.945,"sentiment":"neutral","sentiment_score":0.1293268356886175},{"text":"Basically, one of them was to pay off as debt as possible and career progression to earn more money.","start":669.605,"end":676.48,"sentiment":"neutral","sentiment_score":0.012591428956703135},{"text":"Are they still relevant?","start":676.48,"end":678.42,"sentiment":"neutral","sentiment_score":0.023589388467371464}],"sentiment":"neutral","sentiment_score":0.07587214451856338,"num_words":52,"start":655.93,"end":678.42},{"sentences":[{"text":"Yep.","start":686.0,"end":686.295,"sentiment":"neutral","sentiment_score":0.052770137786865234},{"text":"Yeah.","start":690.055,"end":690.555,"sentiment":"neutral","sentiment_score":-0.0024216994643211365},{"text":"Yeah.","start":695.01495,"end":695.51495,"sentiment":"neutral","sentiment_score":-0.045996926724910736},{"text":"Okay.","start":697.735,"end":698.235,"sentiment":"neutral","sentiment_score":0.01780644804239273},{"text":"So is there a certain time frame that you ideally want your mortgage repaid down in or your personal loan repaid down in?","start":698.7,"end":707.36005,"sentiment":"neutral","sentiment_score":0.0014208113450718963}],"sentiment":"neutral","sentiment_score":0.0020309859472844335,"num_words":27,"start":686.0,"end":707.36005},{"sentences":[{"text":"Did you want yeah.","start":707.98004,"end":713.685,"sentiment":"neutral","sentiment_score":0.01232001418247819},{"text":"Are you with the personal loan, are you making additional repayments, or is that just the time frame?","start":722.245,"end":727.32,"sentiment":"neutral","sentiment_score":-0.0008909855451848772},{"text":"Yep.","start":736.1,"end":736.6,"sentiment":"neutral","sentiment_score":0.10227090120315552},{"text":"Yeah.","start":740.74,"end":741.24,"sentiment":"neutral","sentiment_score":0.04740223288536072},{"text":"Did you want any advice to look at paying down those clicker for the amounts you'd need to do in those that period of time, or you're hap or are you happy to manage that yourself?","start":741.77496,"end":752.035,"sentiment":"neutral","sentiment_score":0.036249711385203734}],"sentiment":"neutral","sentiment_score":0.02479841768120726,"num_words":60,"start":707.98004,"end":752.035},{"sentences":[{"text":"Yeah.","start":757.135,"end":757.47,"sentiment":"neutral","sentiment_score":0.034049130976200104},{"text":"I'd need a little bit of details from you for it, if that's okay.","start":757.47,"end":761.32996,"sentiment":"neutral","sentiment_score":-0.0020264406921342015},{"text":"With the per personal loan, do you know the time frame that's left on the loan itself?","start":762.02997,"end":768.91,"sentiment":"neutral","sentiment_score":-0.013851403642226668},{"text":"Is it was it originally seven years and it's down to I'm just trying to think.","start":768.91,"end":797.615,"sentiment":"neutral","sentiment_score":-0.036917188903316855},{"text":"What bank are you with?","start":797.615,"end":798.835,"sentiment":"neutral","sentiment_score":-0.013669721037149429}],"sentiment":"neutral","sentiment_score":-0.0167701609107613,"num_words":53,"start":757.135,"end":798.835},{"sentences":[{"text":"Yeah.","start":801.53503,"end":802.03503,"sentiment":"neutral","sentiment_score":0.22864697873592377},{"text":"Yeah.","start":804.255,"end":804.495,"sentiment":"neutral","sentiment_score":0.06225566193461418},{"text":"I'm not sure.","start":804.495,"end":805.395,"sentiment":"neutral","sentiment_score":-0.06539472689231236},{"text":"Do you have a statement or anything like that?","start":807.055,"end":811.13,"sentiment":"neutral","sentiment_score":-0.05258630423082246},{"text":"A statement?","start":811.13,"end":811.85004,"sentiment":"neutral","sentiment_score":-0.06638955511152744}],"sentiment":"neutral","sentiment_score":-0.03195858676917851,"num_words":16,"start":801.53503,"end":811.85004},{"sentences":[{"text":"Can you click on in your banking app and see if there's a statement anywhere?","start":811.85004,"end":816.67004,"sentiment":"neutral","sentiment_score":-0.034846970438957216},{"text":"No.","start":857.795,"end":858.035,"sentiment":"neutral","sentiment_score":-0.08403843641281128},{"text":"You're absolutely fine.","start":858.035,"end":859.11,"sentiment":"neutral","sentiment_score":0.24713789423306784},{"text":"Take your time.","start":859.11,"end":860.08997,"sentiment":"positive","sentiment_score":0.37130338946978253},{"text":"They don't make it easy to find information these days.","start":871.11,"end":873.76996,"sentiment":"negative","sentiment_score":-0.38261736929416656}],"sentiment":"neutral","sentiment_score":-0.08054977608844638,"num_words":32,"start":811.85004,"end":873.76996},{"sentences":[{"text":"Potentially, what what I could do is I could email you post the meeting, if you like, of a list of the items we need for me to be able to look at that for you.","start":903.065,"end":913.485,"sentiment":"neutral","sentiment_score":0.232609327054686},{"text":"Yep.","start":917.70496,"end":918.03,"sentiment":"neutral","sentiment_score":0.05882972478866577},{"text":"Yep.","start":920.59,"end":921.09,"sentiment":"neutral","sentiment_score":-0.20509491860866547},{"text":"No.","start":922.35004,"end":922.67004,"sentiment":"neutral","sentiment_score":-0.20761597156524655},{"text":"That's okay.","start":922.67004,"end":923.57,"sentiment":"neutral","sentiment_score":-0.14302417635917664}],"sentiment":"neutral","sentiment_score":0.18863429892353895,"num_words":41,"start":903.065,"end":923.57},{"sentences":[{"text":"Do you know what well, if you've got act I might be able to work backwards.","start":927.39,"end":930.67004,"sentiment":"neutral","sentiment_score":-0.11833316227421165},{"text":"Do you have the interest rate?","start":930.67004,"end":942.875,"sentiment":"neutral","sentiment_score":-0.002533299848437309},{"text":"Okay.","start":943.09503,"end":943.59503,"sentiment":"neutral","sentiment_score":0.016911592334508896},{"text":"And the outstanding balance you gave me, that's correct.","start":944.55,"end":947.43,"sentiment":"neutral","sentiment_score":0.010308073005742498},{"text":"40,000?","start":947.43,"end":948.25,"sentiment":"neutral","sentiment_score":0.017030807211995125}],"sentiment":"neutral","sentiment_score":-0.05399440420847951,"num_words":33,"start":927.39,"end":948.25},{"sentences":[{"text":"Okay.","start":953.75,"end":954.25,"sentiment":"neutral","sentiment_score":0.036223653703927994},{"text":"And in a perfect world, how what time frame would you you said three to five years.","start":954.71,"end":964.325,"sentiment":"neutral","sentiment_score":-0.005251300466411254},{"text":"Is it more closer to three years or five years?","start":964.325,"end":967.385,"sentiment":"neutral","sentiment_score":-0.037670467607676984},{"text":"Yep.","start":971.685,"end":971.91,"sentiment":"neutral","sentiment_score":0.07546241581439972},{"text":"Yep.","start":972.87,"end":973.11,"sentiment":"neutral","sentiment_score":0.08612873405218124}],"sentiment":"neutral","sentiment_score":-0.008938732681175073,"num_words":30,"start":953.75,"end":973.11},{"sentences":[{"text":"I can give both options anyway.","start":973.11,"end":975.05,"sentiment":"neutral","sentiment_score":0.07420249034961064},{"text":"Trim five.","start":975.58997,"end":976.41,"sentiment":"neutral","sentiment_score":0.01931423880159855},{"text":"With your home loan, what's your interest rate on that?","start":977.43,"end":980.64996,"sentiment":"neutral","sentiment_score":0.01539656799286604},{"text":"6.24%.","start":990.96497,"end":992.745,"sentiment":"neutral","sentiment_score":0.0192352831363678},{"text":"Alright.","start":993.125,"end":993.625,"sentiment":"neutral","sentiment_score":0.10951276868581772}],"sentiment":"neutral","sentiment_score":0.03832785757258535,"num_words":20,"start":973.11,"end":993.625},{"sentences":[{"text":"And in an ideal world, would you like that paid off in ten years, fifteen years?","start":994.08496,"end":1001.61,"sentiment":"neutral","sentiment_score":0.08795230719260871},{"text":"What do you or by a certain age?","start":1001.61,"end":1003.87,"sentiment":"neutral","sentiment_score":-0.06364975497126579},{"text":"Because what we can do is we can actually see if your cash flow supports it, number one, and then devise a plan if you like to see how we can do that and how how much interest potentially you can save.","start":1004.33,"end":1017.685,"sentiment":"neutral","sentiment_score":0.33192009656202226},{"text":"Yep.","start":1029.505,"end":1029.72,"sentiment":"neutral","sentiment_score":0.08079804480075836},{"text":"Yep.","start":1034.76,"end":1035.26,"sentiment":"neutral","sentiment_score":0.04702909290790558}],"sentiment":"neutral","sentiment_score":0.22009573630331195,"num_words":68,"start":994.08496,"end":1035.26},{"sentences":[{"text":"That's okay.","start":1036.76,"end":1037.4,"sentiment":"neutral","sentiment_score":0.19995203614234924},{"text":"What we'll do is we'll have a look at the figures anyway, but that gives me a guide to at least work with.","start":1037.4,"end":1043.025,"sentiment":"neutral","sentiment_score":0.14825732066579486},{"text":"The three options.","start":1046.7051,"end":1047.685,"sentiment":"neutral","sentiment_score":0.09570027391115825},{"text":"Yep.","start":1050.865,"end":1051.365,"sentiment":"neutral","sentiment_score":0.07571738958358765},{"text":"Yeah.","start":1053.265,"end":1053.5851,"sentiment":"neutral","sentiment_score":0.22335563600063324}],"sentiment":"neutral","sentiment_score":0.14653320983052254,"num_words":30,"start":1036.76,"end":1053.5851},{"sentences":[{"text":"Beautiful.","start":1053.5851,"end":1054.0851,"sentiment":"positive","sentiment_score":0.7632653713226318},{"text":"Yep.","start":1055.665,"end":1056.165,"sentiment":"positive","sentiment_score":0.44447681307792664},{"text":"I can do that.","start":1056.225,"end":1057.105,"sentiment":"positive","sentiment_score":0.5127054750919342},{"text":"Because I note that one of your goals also is being debt free in retirement, which is a big one for everyone.","start":1057.105,"end":1062.52,"sentiment":"positive","sentiment_score":0.38932123373855243},{"text":"So that's working towards that.","start":1062.52,"end":1065.1,"sentiment":"neutral","sentiment_score":0.25138837695121763}],"sentiment":"positive","sentiment_score":0.39638100338704657,"num_words":33,"start":1053.5851,"end":1065.1},{"sentences":[{"text":"Speaking of retire exactly.","start":1065.56,"end":1070.38,"sentiment":"neutral","sentiment_score":0.10990714468061924},{"text":"Yeah.","start":1071.0,"end":1071.5,"sentiment":"neutral","sentiment_score":0.0949648916721344},{"text":"Yep.","start":1071.56,"end":1072.06,"sentiment":"neutral","sentiment_score":0.06903547048568726},{"text":"Speaking of retirement, what would be your ideal retirement age?","start":1072.565,"end":1076.645,"sentiment":"neutral","sentiment_score":0.07743677459657192},{"text":"What are you aiming towards?","start":1076.645,"end":1078.345,"sentiment":"neutral","sentiment_score":0.06590617820620537}],"sentiment":"neutral","sentiment_score":0.08131083704176403,"num_words":21,"start":1065.56,"end":1078.345},{"sentences":[{"text":"Me too.","start":1080.245,"end":1080.985,"sentiment":"neutral","sentiment_score":0.006469774059951305},{"text":"Oh, Yep.","start":1087.765,"end":1095.4601,"sentiment":"neutral","sentiment_score":-0.039862558245658875},{"text":"And then yeah.","start":1096.4,"end":1098.66,"sentiment":"neutral","sentiment_score":0.09848431746164958},{"text":"Yeah.","start":1099.2001,"end":1099.7001,"sentiment":"neutral","sentiment_score":0.05047956854104996},{"text":"Alright.","start":1100.3201,"end":1100.8201,"sentiment":"neutral","sentiment_score":0.06802274286746979}],"sentiment":"neutral","sentiment_score":0.03857441060245037,"num_words":9,"start":1080.245,"end":1100.8201},{"sentences":[{"text":"And if you were to retire at 65 debt free, how much do you think you and Renee it's Renee, isn't it?","start":1101.1849,"end":1108.645,"sentiment":"neutral","sentiment_score":0.04611996315758337},{"text":"No.","start":1109.105,"end":1109.345,"sentiment":"neutral","sentiment_score":-0.04499320685863495},{"text":"Courtney.","start":1109.345,"end":1109.845,"sentiment":"neutral","sentiment_score":-0.03855187073349953},{"text":"Sorry.","start":1110.065,"end":1110.565,"sentiment":"neutral","sentiment_score":-0.09313645213842392},{"text":"I was looking at a different screen.","start":1110.625,"end":1112.485,"sentiment":"neutral","sentiment_score":-0.0803736001253128}],"sentiment":"neutral","sentiment_score":0.008604451839346439,"num_words":32,"start":1101.1849,"end":1112.485},{"sentences":[{"text":"Courtney would need Sorry.","start":1113.105,"end":1118.32,"sentiment":"neutral","sentiment_score":-0.06390938488766551},{"text":"My apologies.","start":1118.94,"end":1119.76,"sentiment":"neutral","sentiment_score":-0.20281615108251572},{"text":"That's the problem with having three screens.","start":1120.7,"end":1122.78,"sentiment":"neutral","sentiment_score":-0.21749174807752883},{"text":"You've got too many to look at.","start":1122.78,"end":1124.48,"sentiment":"neutral","sentiment_score":-0.2000770696571895},{"text":"Okay.","start":1125.02,"end":1125.52,"sentiment":"neutral","sentiment_score":-0.04738716781139374}],"sentiment":"neutral","sentiment_score":-0.172935177793815,"num_words":21,"start":1113.105,"end":1125.52},{"sentences":[{"text":"So in retirement, what would be an the an appropriate level of income that you would need per week or per fortnight in today's dollars?","start":1127.1,"end":1138.4551,"sentiment":"neutral","sentiment_score":0.0720465524494648},{"text":"Yes.","start":1156.9199,"end":1157.4199,"sentiment":"neutral","sentiment_score":0.005884159356355667},{"text":"Yeah.","start":1157.64,"end":1158.14,"sentiment":"neutral","sentiment_score":0.03946594148874283},{"text":"Yeah.","start":1159.925,"end":1160.425,"sentiment":"neutral","sentiment_score":0.016171684488654137},{"text":"Yeah.","start":1160.7251,"end":1161.125,"sentiment":"neutral","sentiment_score":0.036885157227516174}],"sentiment":"neutral","sentiment_score":0.0655024397861341,"num_words":29,"start":1127.1,"end":1161.125},{"sentences":[{"text":"Right.","start":1161.125,"end":1161.625,"sentiment":"neutral","sentiment_score":0.04985338822007179},{"text":"Yeah.","start":1173.525,"end":1173.66,"sentiment":"neutral","sentiment_score":0.0966508686542511},{"text":"Yep.","start":1176.3,"end":1176.62,"sentiment":"neutral","sentiment_score":0.10238240659236908},{"text":"Do you think that would cover holidays or and you go, or you'd need a bit more?","start":1176.62,"end":1180.64,"sentiment":"neutral","sentiment_score":0.05819858972202329},{"text":"No.","start":1184.14,"end":1184.64,"sentiment":"neutral","sentiment_score":-0.09938502311706544}],"sentiment":"neutral","sentiment_score":0.054232269791620116,"num_words":21,"start":1161.125,"end":1184.64},{"sentences":[{"text":"Yes.","start":1194.0751,"end":1194.5751,"sentiment":"neutral","sentiment_score":0.0679236426949501},{"text":"Yes.","start":1197.035,"end":1197.535,"sentiment":"neutral","sentiment_score":0.08715944737195969},{"text":"Mhmm.","start":1203.115,"end":1203.615,"sentiment":"neutral","sentiment_score":-0.11073961108922958},{"text":"This is very expensive, isn't it?","start":1206.86,"end":1209.72,"sentiment":"negative","sentiment_score":-0.3513856803377469},{"text":"Okay.","start":1210.0801,"end":1210.5801,"sentiment":"neutral","sentiment_score":-0.0416891872882843}],"sentiment":"neutral","sentiment_score":-0.21056597903370858,"num_words":10,"start":1194.0751,"end":1210.5801},{"sentences":[{"text":"Well, that that gives me something to model too.","start":1210.9401,"end":1213.74,"sentiment":"neutral","sentiment_score":0.12173026675979297},{"text":"And, like, even though retirement's so far out and we think, gosh, we've got so much time, it gives me some goals to look at of what we need to do.","start":1213.74,"end":1224.1449,"sentiment":"neutral","sentiment_score":0.15847963623462186},{"text":"Pre retirement, pretty much, to be honest with you.","start":1224.845,"end":1230.365,"sentiment":"neutral","sentiment_score":0.04793344189723333},{"text":"Yeah.","start":1230.365,"end":1230.865,"sentiment":"neutral","sentiment_score":0.09743766486644743},{"text":"And we base it in today's dollars because, you know, today's a thousand dollars could be worth, you know, $2,500 in, you know, thirty years' time.","start":1231.565,"end":1242.4401,"sentiment":"neutral","sentiment_score":0.09497114113317086}],"sentiment":"neutral","sentiment_score":0.11850696625678163,"num_words":76,"start":1210.9401,"end":1242.4401},{"sentences":[{"text":"So that's why we're saying today's dollars just to allow for the inflation.","start":1242.74,"end":1247.625,"sentiment":"neutral","sentiment_score":0.08255623768155392},{"text":"You know, the cost the rise rise continuous ever never ending cost of living rising.","start":1249.545,"end":1255.405,"sentiment":"neutral","sentiment_score":-0.014167121840485682},{"text":"So, yeah, that's pretty standard, to be honest with you.","start":1255.865,"end":1260.265,"sentiment":"neutral","sentiment_score":0.09419582784175873},{"text":"As long as you're debt free, you know, you'd have additional holidays, you'd probably need a little bit more, which is always that like, as we get closer to our time that we can allow for, that's easy.","start":1260.265,"end":1274.085,"sentiment":"neutral","sentiment_score":0.08067096318853528},{"text":"But it's just something to work towards to know how to structure the things that we need to structure.","start":1274.085,"end":1280.505,"sentiment":"neutral","sentiment_score":0.07662421621774372}],"sentiment":"neutral","sentiment_score":0.06656883421023131,"num_words":95,"start":1242.74,"end":1280.505},{"sentences":[{"text":"The next goal was about your superannuation.","start":1283.125,"end":1284.985,"sentiment":"neutral","sentiment_score":0.1801478543451854},{"text":"You just like continuous growth, ensure that there's enough to support your family in retirement, have active management with a proactive approach to in Is that still current?","start":1285.365,"end":1299.23,"sentiment":"neutral","sentiment_score":0.17945659746016776},{"text":"Yep.","start":1302.3301,"end":1302.585,"sentiment":"positive","sentiment_score":0.34421372413635254},{"text":"Alright.","start":1309.465,"end":1309.965,"sentiment":"positive","sentiment_score":0.516991376876831},{"text":"That's great.","start":1310.105,"end":1310.985,"sentiment":"positive","sentiment_score":0.7348518967628479}],"sentiment":"neutral","sentiment_score":0.2209417590728173,"num_words":39,"start":1283.125,"end":1310.985},{"sentences":[{"text":"Good to hear.","start":1310.985,"end":1311.8049,"sentiment":"positive","sentiment_score":0.773316482702891},{"text":"Beautiful.","start":1311.945,"end":1312.445,"sentiment":"positive","sentiment_score":0.6658867597579956},{"text":"Well, we'll chat about that a little bit more shortly in relation to the actual portfolio itself.","start":1312.585,"end":1319.84,"sentiment":"neutral","sentiment_score":0.11889482552514356},{"text":"But the last thing is your own well, not the last thing.","start":1320.62,"end":1323.82,"sentiment":"neutral","sentiment_score":0.03728871544202169},{"text":"The goal that you had noted was you just wanna you wanna be covered insurance wise to protect your family.","start":1323.82,"end":1329.9199,"sentiment":"neutral","sentiment_score":0.09331578146666289}],"sentiment":"neutral","sentiment_score":0.13812883880059673,"num_words":53,"start":1310.985,"end":1329.9199},{"sentences":[{"text":"Still appropriate?","start":1332.765,"end":1333.585,"sentiment":"neutral","sentiment_score":0.06593775376677513},{"text":"Yep.","start":1336.125,"end":1336.625,"sentiment":"neutral","sentiment_score":0.08611392229795456},{"text":"Yep.","start":1336.765,"end":1337.265,"sentiment":"neutral","sentiment_score":0.11335302889347076},{"text":"Yeah.","start":1343.885,"end":1344.385,"sentiment":"neutral","sentiment_score":0.0392247773706913},{"text":"So that probably leads into the next thing from me is raising the the lack of estate planning, being your wills and power of attorney.","start":1344.9299,"end":1354.3099,"sentiment":"neutral","sentiment_score":-0.007034571096301079}],"sentiment":"neutral","sentiment_score":0.006490098622937997,"num_words":30,"start":1332.765,"end":1354.3099},{"sentences":[{"text":"If any I always use yesterday as an example because we know that it did not happen.","start":1356.2899,"end":1360.6749,"sentiment":"neutral","sentiment_score":-0.059283833731623256},{"text":"But if something was to happen to you yesterday, if you were to die without a will, that leaves Courtney in a pretty bad situation along with Carter as, basically, the the the public trustees get involved to sort out who is a true beneficiary automatically that everything would just transfer to Courtney.","start":1361.215,"end":1390.055,"sentiment":"neutral","sentiment_score":-0.10478794637997195},{"text":"The house may, depending on how it's structured, whether it's joint tenants or tenants in common.","start":1390.515,"end":1395.975,"sentiment":"neutral","sentiment_score":0.01277372834738344},{"text":"But but separate bank accounts, superannuation has to have specific beneficiaries noted for it to automatically go to Courtney, which we'll make sure is in place.","start":1397.555,"end":1408.38,"sentiment":"neutral","sentiment_score":0.016341203465484656},{"text":"But all other assets yes.","start":1408.68,"end":1413.585,"sentiment":"neutral","sentiment_score":0.02950303703546524}],"sentiment":"neutral","sentiment_score":-0.0494429077157098,"num_words":117,"start":1356.2899,"end":1413.585},{"sentences":[{"text":"Yep.","start":1417.825,"end":1418.325,"sentiment":"neutral","sentiment_score":0.0774882361292839},{"text":"Yep.","start":1420.3049,"end":1420.8049,"sentiment":"neutral","sentiment_score":0.09828028082847597},{"text":"Yeah.","start":1421.505,"end":1421.9049,"sentiment":"neutral","sentiment_score":0.0873008668422699},{"text":"So bank accounts and vice versa as well with Courtney.","start":1421.9049,"end":1425.445,"sentiment":"neutral","sentiment_score":0.08680797219276429},{"text":"Important for her to have it in place also because if anything happens to her, you may you may also need access to her superannuation and her stuff.","start":1426.3301,"end":1438.995,"sentiment":"neutral","sentiment_score":0.1829544087605817}],"sentiment":"neutral","sentiment_score":0.15253347685424293,"num_words":41,"start":1417.825,"end":1438.995},{"sentences":[{"text":"So they're pretty important documents to have in place.","start":1439.0549,"end":1442.0349,"sentiment":"neutral","sentiment_score":0.16082439323266348},{"text":"We do have a professional partner that we work with that arranges them or works with our clients to put them in place, I guess.","start":1444.335,"end":1452.9,"sentiment":"neutral","sentiment_score":0.20672081291675568},{"text":"Really quite reasonably priced, but, like, based on my experience and some of them I've seen.","start":1454.9,"end":1460.36,"sentiment":"positive","sentiment_score":0.3449826119467616},{"text":"So we have a brochure that we can email you that gives you the cost.","start":1461.14,"end":1465.06,"sentiment":"neutral","sentiment_score":0.17255909393231075},{"text":"Do you want me to email that to you just for you and Courtney to have a look at?","start":1465.06,"end":1469.145,"sentiment":"neutral","sentiment_score":0.14812925065818586}],"sentiment":"neutral","sentiment_score":0.20878575981727668,"num_words":84,"start":1439.0549,"end":1469.145},{"sentences":[{"text":"Yeah.","start":1471.125,"end":1471.525,"sentiment":"neutral","sentiment_score":0.17110919952392578},{"text":"Okay.","start":1471.525,"end":1471.925,"sentiment":"positive","sentiment_score":0.3812517523765564},{"text":"Beautiful.","start":1471.925,"end":1472.425,"sentiment":"positive","sentiment_score":0.6335140466690063},{"text":"And with your review frequency, are you happy to do that annually, or would you like it more frequent?","start":1473.765,"end":1479.96,"sentiment":"neutral","sentiment_score":0.21202399620884343},{"text":"Mm-mm.","start":1486.0399,"end":1486.5399,"sentiment":"neutral","sentiment_score":0.10002503544092178}],"sentiment":"neutral","sentiment_score":0.23105895486862763,"num_words":23,"start":1471.125,"end":1486.5399},{"sentences":[{"text":"It's it's totally it's totally up to you.","start":1490.84,"end":1495.6599,"sentiment":"neutral","sentiment_score":0.247482031583786},{"text":"You're not limited in the amount of so you so even if you are on an annual review cycle, say, for example, something comes up in three or four or six, nine months time that you wanna have a chat about or you're concerned about or you need some additional advice on, you just give us a call.","start":1498.105,"end":1514.9299,"sentiment":"neutral","sentiment_score":0.12713467137053094},{"text":"You're not limited to the one time per year.","start":1514.9299,"end":1518.63,"sentiment":"neutral","sentiment_score":0.14887015107605192},{"text":"We meet with clients as regularly as they need.","start":1520.21,"end":1522.635,"sentiment":"neutral","sentiment_score":0.2560983929369185},{"text":"Need.","start":1536.075,"end":1536.54,"sentiment":"neutral","sentiment_score":-0.036424942314624786}],"sentiment":"neutral","sentiment_score":0.15249363701133167,"num_words":85,"start":1490.84,"end":1536.54},{"sentences":[{"text":"One 100%.","start":1541.18,"end":1542.16,"sentiment":"neutral","sentiment_score":0.11200498789548874},{"text":"Yeah.","start":1542.4601,"end":1542.9401,"sentiment":"neutral","sentiment_score":0.1141977682709694},{"text":"Yep.","start":1542.9401,"end":1543.26,"sentiment":"neutral","sentiment_score":0.1268908679485321},{"text":"100%.","start":1543.26,"end":1544.4,"sentiment":"neutral","sentiment_score":0.1181115135550499},{"text":"Alright.","start":1545.42,"end":1545.92,"sentiment":"neutral","sentiment_score":0.08133777976036072}],"sentiment":"neutral","sentiment_score":0.1107579842209816,"num_words":6,"start":1541.18,"end":1545.92},{"sentences":[{"text":"I'm gonna jump over to one last one last question.","start":1545.98,"end":1551.7949,"sentiment":"neutral","sentiment_score":0.035622416995465755},{"text":"With your risk profile, so that's how we invest your funds, you're currently as a growth investor.","start":1552.1749,"end":1561.32,"sentiment":"neutral","sentiment_score":0.009318841621279716},{"text":"Estranged shares, property estranged shares, property, and some alternative growth options with the remaining 20% being invested in fixed interest and cash.","start":1561.32,"end":1582.9349,"sentiment":"neutral","sentiment_score":-0.006751640932634473},{"text":"There's a recommended minimum time frame of years to be able to withstand and hold any market volatility and fluctuations with the expectation of roughly one in every five years being a negative year.","start":1585.315,"end":1602.11,"sentiment":"neutral","sentiment_score":-0.0922862309962511},{"text":"So that's the risk profile that you're currently in at the moment.","start":1602.255,"end":1610.275,"sentiment":"neutral","sentiment_score":-0.12505542300641537}],"sentiment":"neutral","sentiment_score":-0.0449714584521165,"num_words":95,"start":1545.98,"end":1610.275},{"sentences":[{"text":"And we can talk more about that, but I just wanted to probably set the scene for that to as we go into your actual review documents so we can talk about that a little bit more.","start":1611.375,"end":1625.0399,"sentiment":"neutral","sentiment_score":-0.0021679864541904346},{"text":"So do you have access to your emails at all?","start":1626.86,"end":1629.36,"sentiment":"neutral","sentiment_score":0.012174136936664581},{"text":"Yep.","start":1631.6599,"end":1632.1599,"sentiment":"neutral","sentiment_score":0.02930057607591152},{"text":"Have you received an email from?","start":1632.3049,"end":1633.995,"sentiment":"neutral","sentiment_score":0.015108139021322131},{"text":"Yep.","start":1633.995,"end":1634.495,"sentiment":"neutral","sentiment_score":0.023723622784018517}],"sentiment":"neutral","sentiment_score":0.0033672527918084103,"num_words":55,"start":1611.375,"end":1634.495},{"sentences":[{"text":"That's me.","start":1648.84,"end":1649.74,"sentiment":"neutral","sentiment_score":0.05025089718401432},{"text":"So what that's got your review pack.","start":1650.0399,"end":1654.0399,"sentiment":"neutral","sentiment_score":0.057335002081734796},{"text":"So if you open that email and click on sign, I believe it brings up a review pack of documents.","start":1654.0399,"end":1663.525,"sentiment":"neutral","sentiment_score":0.05855786390602589},{"text":"You don't you're not actually signing anything until we walk walk through everything or until you're absolutely comfortable.","start":1663.905,"end":1669.685,"sentiment":"neutral","sentiment_score":-0.019605888208995264},{"text":"So when you've got that open, just let me know.","start":1670.7051,"end":1673.88,"sentiment":"neutral","sentiment_score":0.02824830301105976}],"sentiment":"neutral","sentiment_score":0.02811545841069075,"num_words":57,"start":1648.84,"end":1673.88},{"sentences":[{"text":"Beautiful.","start":1674.9,"end":1675.4,"sentiment":"positive","sentiment_score":0.43100547790527344},{"text":"Fantastic.","start":1676.34,"end":1676.84,"sentiment":"positive","sentiment_score":0.5859569311141968},{"text":"So your front page is a brief overview of your summary of what you have in place at the moment.","start":1677.46,"end":1682.6799,"sentiment":"neutral","sentiment_score":0.27444935739040377},{"text":"You can see your super balance is sitting at the $1,230.06 mark, and we've got your life and TPD insurance at 1.85, round it, million, and your income protection at $9,736 per month with a thirty day waiting period and a six year benefit period.","start":1684.1,"end":1707.7699,"sentiment":"neutral","sentiment_score":0.1069148089322779},{"text":"The premiums of that is $2,572.51 per annum, and that's funded from your hub twenty four account.","start":1709.5099,"end":1718.0651,"sentiment":"neutral","sentiment_score":0.12281964281026055}],"sentiment":"neutral","sentiment_score":0.15958392722088666,"num_words":84,"start":1674.9,"end":1718.0651},{"sentences":[{"text":"Those levels of cover, do you feel that they're still adequate?","start":1720.365,"end":1724.865,"sentiment":"neutral","sentiment_score":0.030229783870957115},{"text":"Do you want them reviewed?","start":1725.165,"end":1726.625,"sentiment":"neutral","sentiment_score":-0.01487717628479004},{"text":"Are they still in line with your original goals and objectives as to why you took out those levels of cover?","start":1729.7251,"end":1735.9401,"sentiment":"neutral","sentiment_score":-0.05317704308600653},{"text":"Yep.","start":1738.48,"end":1738.98,"sentiment":"neutral","sentiment_score":0.23628830909729004},{"text":"Yep.","start":1742.0,"end":1742.205,"sentiment":"neutral","sentiment_score":0.17833587527275083}],"sentiment":"neutral","sentiment_score":-0.011383384084090209,"num_words":39,"start":1720.365,"end":1742.205},{"sentences":[{"text":"Yes.","start":1775.4149,"end":1775.495,"sentiment":"neutral","sentiment_score":0.06478521972894669},{"text":"Yeah.","start":1775.495,"end":1775.995,"sentiment":"neutral","sentiment_score":0.10871829092502594},{"text":"Yeah.","start":1784.5599,"end":1785.0599,"sentiment":"neutral","sentiment_score":0.04366577044129371},{"text":"Yeah.","start":1789.9199,"end":1790.4199,"sentiment":"neutral","sentiment_score":0.08827649056911469},{"text":"Yep.","start":1790.72,"end":1791.2,"sentiment":"neutral","sentiment_score":0.06138801574707031}],"sentiment":"neutral","sentiment_score":0.07336675748229027,"num_words":5,"start":1775.4149,"end":1791.2},{"sentences":[{"text":"So yep.","start":1791.2,"end":1793.2,"sentiment":"neutral","sentiment_score":0.05278388597071171},{"text":"So then we'd add your super balance onto to that amount.","start":1793.2,"end":1796.365,"sentiment":"neutral","sentiment_score":0.14150545407425275},{"text":"So, typically, that's how it's structured with young families, and it's pretty in line with what we see.","start":1796.5851,"end":1804.685,"sentiment":"neutral","sentiment_score":0.2479815251297421},{"text":"The only type of insurance that's missing from a full risk protection portfolio is trauma insurance.","start":1808.1051,"end":1814.32,"sentiment":"neutral","sentiment_score":-0.09086987841874361},{"text":"Trauma insurance is a policy, an insurance policy that would cover you with a lump sum payment tax free if you're diagnosed with a certain medical event.","start":1815.34,"end":1830.145,"sentiment":"neutral","sentiment_score":0.01982594860924615}],"sentiment":"neutral","sentiment_score":0.07036726725463932,"num_words":74,"start":1791.2,"end":1830.145},{"sentences":[{"text":"Trauma policies, they have about between just over 40 defined events ranging from different types of cancer, heart attack, stroke, neurological diseases.","start":1831.165,"end":1844.82,"sentiment":"neutral","sentiment_score":0.005854262039065361},{"text":"And if you made a definition or a category, so depending, you know, cancer, there's different stages.","start":1845.6799,"end":1852.74,"sentiment":"neutral","sentiment_score":0.0009272329317515387},{"text":"And with heart attacks, there are different categories of them.","start":1852.96,"end":1857.7949,"sentiment":"neutral","sentiment_score":-0.004362607747316361},{"text":"If you made it at the insured definition, then you would you would receive a lump sum payment.","start":1857.7949,"end":1866.0549,"sentiment":"neutral","sentiment_score":0.0720832467907005},{"text":"It's kind of a policy that sits between TPD and income protection being that you're not likely to be totally and permanently disabled initially depending on the the type of medical condition it is.","start":1866.115,"end":1879.7001,"sentiment":"neutral","sentiment_score":-0.08236535653636298}],"sentiment":"neutral","sentiment_score":-0.013881119136412693,"num_words":101,"start":1831.165,"end":1879.7001},{"sentences":[{"text":"And your income protection, you may end up with maybe a couple of weeks being paid a benefit and then back at work.","start":1880.9601,"end":1892.505,"sentiment":"neutral","sentiment_score":-0.08070564869305362},{"text":"And you might decide that that's not something for you.","start":1892.505,"end":1894.8251,"sentiment":"neutral","sentiment_score":-0.2779054224491119},{"text":"So, typically, a good example of that would be, I don't know, if you suffered a heart attack, you know, you might have a of that would be, I don't know, if you suffered a heart attack, you'd probably have some stents put in, need to change your lifestyle, etcetera, all the things they say, and you might be back at work in five weeks, which means you get roughly a week of your income protection and you're back at work.","start":1894.8251,"end":1920.365,"sentiment":"neutral","sentiment_score":-0.062160657465825844},{"text":"But you might decide that you don't wanna go back to work and you you want a bit of a break to actually rec recoup, that's where a trauma policy would come into effect.","start":1921.5449,"end":1932.21,"sentiment":"neutral","sentiment_score":-0.1343362079385449},{"text":"So it's it mhmm.","start":1932.35,"end":1939.09,"sentiment":"neutral","sentiment_score":-0.05615392606705427}],"sentiment":"neutral","sentiment_score":-0.09514700114040782,"num_words":152,"start":1880.9601,"end":1939.09},{"sentences":[{"text":"It's like an excess.","start":1942.59,"end":1943.885,"sentiment":"neutral","sentiment_score":-0.16079758293926716},{"text":"Yeah.","start":1943.885,"end":1944.205,"sentiment":"neutral","sentiment_score":-0.0925605446100235},{"text":"Think of it like an excess, like, you know, how you pay car excess.","start":1944.205,"end":1948.065,"sentiment":"neutral","sentiment_score":-0.11149370138134275},{"text":"That's your income protection excess, basically, so you don't get paid for thirty days.","start":1949.4049,"end":1955.345,"sentiment":"neutral","sentiment_score":-0.11597699459109988},{"text":"Yep.","start":1959.2999,"end":1959.38,"sentiment":"neutral","sentiment_score":0.020629923790693283}],"sentiment":"neutral","sentiment_score":-0.11469737341737046,"num_words":34,"start":1942.59,"end":1959.38},{"sentences":[{"text":"That's the absolute minimum available, the thirty day.","start":1959.38,"end":1963.64,"sentiment":"neutral","sentiment_score":-0.035396002465859056},{"text":"They used to have many, many years ago a fourteen day waiting period.","start":1963.86,"end":1967.48,"sentiment":"neutral","sentiment_score":-0.09465276650511302},{"text":"It sort of became unaffordable because it pretty much can double the income it used to double the income protection premium.","start":1968.4199,"end":1979.855,"sentiment":"neutral","sentiment_score":-0.21527114084788732},{"text":"So, typically, everyone's on a thirty day.","start":1980.5549,"end":1984.335,"sentiment":"neutral","sentiment_score":0.05628201684781483},{"text":"That's one of the most popular, I should say, but others select a sixty day or a ninety day waiting period also.","start":1984.635,"end":1991.4099,"sentiment":"neutral","sentiment_score":0.09683571840551766}],"sentiment":"neutral","sentiment_score":-0.04943645097525187,"num_words":71,"start":1959.38,"end":1991.4099},{"sentences":[{"text":"So I guess, yeah, in the in the meantime, some people take advantage of their sick leave and annual leave to cover those those days, And then usually have to make up the difference between some savings until you get to that thirty day mark.","start":1992.75,"end":2011.845,"sentiment":"neutral","sentiment_score":-0.0019731345689958995},{"text":"Yep.","start":2014.625,"end":2015.125,"sentiment":"neutral","sentiment_score":0.14602498710155487},{"text":"So that's what it and, yeah, so trauma is what I was explaining.","start":2017.105,"end":2020.81,"sentiment":"neutral","sentiment_score":-0.1441860651740661},{"text":"I just needed I need to explain that because you do have a gap there.","start":2021.03,"end":2025.29,"sentiment":"neutral","sentiment_score":-0.18704777508974074},{"text":"Whether you want advice on it or not is entirely up to you, but I just need to explain it to you to make sure that you can actually make an informed decision.","start":2025.67,"end":2035.895,"sentiment":"neutral","sentiment_score":-0.04385690120133487}],"sentiment":"neutral","sentiment_score":-0.05673064749304936,"num_words":107,"start":1992.75,"end":2035.895},{"sentences":[{"text":"Yeah.","start":2039.795,"end":2040.295,"sentiment":"neutral","sentiment_score":0.0058648232370615005},{"text":"Yep.","start":2042.115,"end":2042.615,"sentiment":"neutral","sentiment_score":0.1629938781261444},{"text":"Alright.","start":2042.915,"end":2043.415,"sentiment":"positive","sentiment_score":0.33596429228782654},{"text":"Perfect.","start":2043.475,"end":2043.975,"sentiment":"positive","sentiment_score":0.6029006242752075},{"text":"That's absolutely fine.","start":2044.035,"end":2045.735,"sentiment":"positive","sentiment_score":0.5534030397733053}],"sentiment":"positive","sentiment_score":0.39541896246373653,"num_words":7,"start":2039.795,"end":2045.735},{"sentences":[{"text":"The next document over is your performance with hub twenty four, your performance report for the last twelve months.","start":2047.09,"end":2053.03,"sentiment":"neutral","sentiment_score":0.06260278889615285},{"text":"So you will see yep.","start":2054.77,"end":2058.31,"sentiment":"neutral","sentiment_score":0.04648988470435143},{"text":"You'll see that very first one.","start":2058.45,"end":2060.205,"sentiment":"neutral","sentiment_score":0.06373465806245804},{"text":"You can't miss it.","start":2060.205,"end":2060.925,"sentiment":"neutral","sentiment_score":0.07152719516307116},{"text":"Banna Long Australian Equities.","start":2060.925,"end":2062.225,"sentiment":"neutral","sentiment_score":-0.07489198260009289}],"sentiment":"neutral","sentiment_score":0.047127663451982174,"num_words":38,"start":2047.09,"end":2062.225},{"sentences":[{"text":"A negative return of 16.10%.","start":2062.845,"end":2065.5852,"sentiment":"neutral","sentiment_score":-0.28282834887504577},{"text":"What we're doing is we're looking at replacing that well, not looking at replacing.","start":2068.2852,"end":2072.365,"sentiment":"neutral","sentiment_score":-0.07249337541205543},{"text":"We're investigating with all of our clients an alternative if it's you know, suits their goals and objectives to look at replacing.","start":2072.365,"end":2080.5098,"sentiment":"neutral","sentiment_score":-0.03943552864207463},{"text":"The reason being is that the Benelung Australian Equities Fund has underperformed due to their investment mandate.","start":2081.21,"end":2089.885,"sentiment":"neutral","sentiment_score":-0.16756061552202},{"text":"It's not in relation to the Australian share market as a whole.","start":2089.945,"end":2093.725,"sentiment":"neutral","sentiment_score":-0.1306509394198656}],"sentiment":"neutral","sentiment_score":-0.11018531953117677,"num_words":70,"start":2062.845,"end":2093.725},{"sentences":[{"text":"So Bennelong will their investment mandate is to identify what they believe is underperforming assets in the Australian share market for growth opportunities.","start":2094.105,"end":2105.3,"sentiment":"neutral","sentiment_score":-0.11974542004906613},{"text":"Unfortunately, it's been the banks and the big the big the big banks and financial institutions that have performed in the last twelve or so months.","start":2106.32,"end":2114.1802,"sentiment":"neutral","sentiment_score":-0.2040726261643263},{"text":"And we wouldn't we don't rush to replace the funds or an investment option just due to underperformance, but this has been about twelve months or so of underperformance.","start":2114.9602,"end":2125.2551,"sentiment":"neutral","sentiment_score":-0.18648672309415093},{"text":"So this is why we're looking at it now.","start":2125.5552,"end":2127.655,"sentiment":"neutral","sentiment_score":-0.12375146481725904},{"text":"So if you're comfortable with that, I would like to investigate looking at replacing that.","start":2129.475,"end":2134.4,"sentiment":"neutral","sentiment_score":0.02317643240094185}],"sentiment":"neutral","sentiment_score":-0.13955161380855477,"num_words":102,"start":2094.105,"end":2134.4},{"sentences":[{"text":"Yep.","start":2135.98,"end":2136.48,"sentiment":"neutral","sentiment_score":0.20430433750152588},{"text":"Beautiful.","start":2136.7,"end":2137.2,"sentiment":"positive","sentiment_score":0.5019105076789856},{"text":"And then the next one down in that you'll see is the beta bank hybrid ETF.","start":2137.74,"end":2142.48,"sentiment":"neutral","sentiment_score":0.10762860532850027},{"text":"Hasn't performed badly, hasn't, you know, income wise, but and it forms part of that defensive part of your portfolio, so the 20% of your defensive assets.","start":2143.82,"end":2159.0652,"sentiment":"neutral","sentiment_score":-0.17258048002366666},{"text":"The the Australian banking system's changing.","start":2160.48,"end":2162.74,"sentiment":"neutral","sentiment_score":-0.11159663026531537}],"sentiment":"neutral","sentiment_score":-0.05688196493714463,"num_words":51,"start":2135.98,"end":2162.74},{"sentences":[{"text":"And from January 2027, the banks are phasing out the hybrids as an investment option.","start":2162.8,"end":2168.74,"sentiment":"neutral","sentiment_score":-0.03893964141607285},{"text":"So, basically, what I'm doing with the clients that I'm working with is that I wanna take a little bit more of a proactive approach.","start":2170.8801,"end":2177.305,"sentiment":"neutral","sentiment_score":0.047237898483872415},{"text":"I don't know what the banks are gonna offer as replacement in January 2027.","start":2177.305,"end":2182.4448,"sentiment":"neutral","sentiment_score":-0.07439171576074191},{"text":"I'd just like to look at other options out there to see if there is an alternative that we can that we don't have to wait and see kind of thing.","start":2182.9849,"end":2192.16,"sentiment":"neutral","sentiment_score":0.0056508354196745545},{"text":"So if you're happy with me doing that, I'd like to do that also.","start":2192.38,"end":2195.76,"sentiment":"neutral","sentiment_score":0.28026639031512396}],"sentiment":"neutral","sentiment_score":0.03691186043057553,"num_words":99,"start":2162.8,"end":2195.76},{"sentences":[{"text":"Beautiful.","start":2198.06,"end":2198.56,"sentiment":"positive","sentiment_score":0.6604496240615845},{"text":"The rest of your portfolio, you know, it's great.","start":2199.155,"end":2203.315,"sentiment":"positive","sentiment_score":0.50590604212549},{"text":"It's got a few satellite options.","start":2203.315,"end":2206.9949,"sentiment":"neutral","sentiment_score":0.20211321984728178},{"text":"So they're ones that we we call them satellite because they float around your big investment options being, you know, Australian share market, The US international share market.","start":2206.9949,"end":2217.01,"sentiment":"neutral","sentiment_score":0.1120560203811952},{"text":"So you've got your satellite, so your global cyber, your global battery tech and lithium.","start":2217.31,"end":2223.81,"sentiment":"neutral","sentiment_score":0.07852394307653109}],"sentiment":"neutral","sentiment_score":0.18206289896773079,"num_words":59,"start":2198.06,"end":2223.81},{"sentences":[{"text":"You've got some physical gold in there and also some property, which has had some poor performance in the last couple of weeks.","start":2224.03,"end":2232.615,"sentiment":"neutral","sentiment_score":-0.13936291132932124},{"text":"So that's not an ongoing that's not something that's been occurring for the last twelve months.","start":2232.615,"end":2238.055,"sentiment":"neutral","sentiment_score":-0.14275193167850375},{"text":"That's only just recently.","start":2238.055,"end":2239.355,"sentiment":"neutral","sentiment_score":-0.07250772882252932},{"text":"That that the property ETF has had a bit of a turnaround, but it's not a systemic issue that we're concerned about at the moment.","start":2240.54,"end":2248.96,"sentiment":"neutral","sentiment_score":-0.07612274423241615},{"text":"So, overall, pretty happy with the portfolio besides those two options that we wanna look at alternatives.","start":2249.74,"end":2257.985,"sentiment":"neutral","sentiment_score":0.2691692078814787}],"sentiment":"neutral","sentiment_score":-0.03654824534759802,"num_words":85,"start":2224.03,"end":2257.985},{"sentences":[{"text":"The next document is called a Vanguard index chart.","start":2260.5251,"end":2264.865,"sentiment":"neutral","sentiment_score":0.05815506022837427},{"text":"This is just a visual tool for yourself.","start":2266.925,"end":2267.2583,"sentiment":"neutral","sentiment_score":0.11374519020318985},{"text":"We share it with our clients.","start":2267.2583,"end":2267.575,"sentiment":"neutral","sentiment_score":0.12319046631455421},{"text":"So, a visual tool for yourself.","start":2267.575,"end":2269.88,"sentiment":"neutral","sentiment_score":0.13989499459664026},{"text":"We share it with our clients.","start":2270.26,"end":2271.72,"sentiment":"neutral","sentiment_score":0.10648331791162491}],"sentiment":"neutral","sentiment_score":0.10430770676050867,"num_words":35,"start":2260.5251,"end":2271.72},{"sentences":[{"text":"So you'll recall before I I spoke of the 80% to growth assets and 20 to the defensive.","start":2271.8599,"end":2277.88,"sentiment":"neutral","sentiment_score":0.02408549717317025},{"text":"The top four on the right hand side, US shares, Australian international, and Australian listed property.","start":2278.98,"end":2284.515,"sentiment":"neutral","sentiment_score":0.07693527708761394},{"text":"They're your growth assets, and you can see from that the volatility and market movement they experience over the long term.","start":2285.295,"end":2295.315,"sentiment":"neutral","sentiment_score":0.16100176955972398},{"text":"The bottom two, Australian bonds and cash, ignore CPI because that's not part of your portfolio.","start":2296.975,"end":2302.9,"sentiment":"neutral","sentiment_score":0.07181854918599129},{"text":"But they're your defensive assets.","start":2303.2,"end":2306.34,"sentiment":"neutral","sentiment_score":0.11980835050344467}],"sentiment":"neutral","sentiment_score":0.08939051424692336,"num_words":76,"start":2271.8599,"end":2306.34},{"sentences":[{"text":"So you'll see that over time, they do have a little bit of growth, but they're more income producing than anything.","start":2306.56,"end":2312.98,"sentiment":"neutral","sentiment_score":0.2371037339880353},{"text":"So when we look at your superannuation fund, we look at how long you've got to access it.","start":2314.455,"end":2320.2952,"sentiment":"neutral","sentiment_score":0.07218875818782383},{"text":"So at the moment, based on current legislation, age 60 is your preservation age.","start":2320.2952,"end":2325.355,"sentiment":"neutral","sentiment_score":0.03309780239526715},{"text":"So you still have twenty four plus year twenty four odd years before you can actually access your super.","start":2325.8152,"end":2332.56,"sentiment":"neutral","sentiment_score":0.04385894301690554},{"text":"So that tells us that you being a minimum of six years as an investment time frame is that you can handle and withstand the ebbs and flows of the share market as long as you're comfortable with that.","start":2333.1,"end":2347.405,"sentiment":"neutral","sentiment_score":0.15494054536788893}],"sentiment":"neutral","sentiment_score":0.12268420253452417,"num_words":111,"start":2306.56,"end":2347.405},{"sentences":[{"text":"Yep.","start":2349.065,"end":2349.565,"sentiment":"neutral","sentiment_score":0.19214919209480288},{"text":"Okay.","start":2349.705,"end":2350.205,"sentiment":"positive","sentiment_score":0.3800143301486969},{"text":"Beautiful.","start":2351.705,"end":2352.205,"sentiment":"positive","sentiment_score":0.569878101348877},{"text":"The next document over is your certificate of currency with one pass.","start":2352.505,"end":2356.31,"sentiment":"neutral","sentiment_score":0.1551337062070767},{"text":"Again, it's just reiterating what was on the front page.","start":2356.53,"end":2359.6702,"sentiment":"neutral","sentiment_score":0.09816763326525688}],"sentiment":"neutral","sentiment_score":0.15941289722919463,"num_words":25,"start":2349.065,"end":2359.6702},{"sentences":[{"text":"Your son's insured for your cover and what it costs.","start":2360.53,"end":2363.6702,"sentiment":"neutral","sentiment_score":0.05593488924205303},{"text":"The next document is an extremely exciting one.","start":2367.01,"end":2369.59,"sentiment":"neutral","sentiment_score":0.18493767455220222},{"text":"It is our financial services guide.","start":2370.635,"end":2373.295,"sentiment":"neutral","sentiment_score":0.19982425371805826},{"text":"Basically, all that that's that's a legal doc a legal requirement for us to provide to our clients, and it explains who we are, who our licensee is, more most importantly, that we are licensed with ASIC, the type of advice we provide and how we provide fees, and if you if there's something you're unhappy with, how to make a complaint.","start":2373.915,"end":2400.065,"sentiment":"neutral","sentiment_score":0.08765880019974805},{"text":"So that document, if you don't keep this invest this review pack, is always available on our website as well.","start":2400.125,"end":2407.345,"sentiment":"neutral","sentiment_score":0.0895537504926324}],"sentiment":"neutral","sentiment_score":0.09871430597531627,"num_words":106,"start":2360.53,"end":2407.345},{"sentences":[{"text":"The next document is the annual fee document.","start":2409.965,"end":2412.397,"sentiment":"neutral","sentiment_score":0.09246284049004316},{"text":"So this is the client and, you know, engaging it with us in our the services we provide, The estimated fee will be $2,084.32 per annum.","start":2412.397,"end":2435.285,"sentiment":"neutral","sentiment_score":0.07724003980939205},{"text":"So what is done with that, it's divided by 12 and then deducted from the fund monthly.","start":2435.4248,"end":2441.845,"sentiment":"neutral","sentiment_score":0.07125751959050403},{"text":"So you're looking at a $173.69 per month.","start":2441.9048,"end":2446.24,"sentiment":"neutral","sentiment_score":0.06512914039194584},{"text":"Yeah.","start":2448.46,"end":2448.96,"sentiment":"neutral","sentiment_score":0.0970890447497368}],"sentiment":"neutral","sentiment_score":0.0762907293314735,"num_words":60,"start":2409.965,"end":2448.96},{"sentences":[{"text":"Any questions about that?","start":2449.1,"end":2450.56,"sentiment":"neutral","sentiment_score":0.028838242404162884},{"text":"No?","start":2452.38,"end":2452.78,"sentiment":"neutral","sentiment_score":-0.10313227772712708},{"text":"Okay.","start":2452.78,"end":2453.28,"sentiment":"neutral","sentiment_score":0.04494147747755051},{"text":"And then the last document there is your it says option to provide a tax file number, but it's confirmation that you are aware and you're comfortable with us holding your tax file number.","start":2453.66,"end":2465.055,"sentiment":"neutral","sentiment_score":0.10851903303581126},{"text":"We had it from establishing super funds and with Hub and from privacy perspective, we get the clients to sign off to say you that you're comfortable for us to still hold that for you on your behalf.","start":2466.555,"end":2479.87,"sentiment":"neutral","sentiment_score":0.20398172853808655}],"sentiment":"neutral","sentiment_score":0.14741173047476855,"num_words":78,"start":2449.1,"end":2479.87},{"sentences":[{"text":"Yep.","start":2482.01,"end":2482.51,"sentiment":"neutral","sentiment_score":0.1342085599899292},{"text":"So from that's the documents that you have.","start":2483.37,"end":2487.5952,"sentiment":"neutral","sentiment_score":0.1373754795640707},{"text":"So those last two do require your electronic signature if you're when if you wanna review them and when you're comfortable to sign them.","start":2487.5952,"end":2495.0552,"sentiment":"neutral","sentiment_score":0.09962951003884275},{"text":"What my action items post this meeting is is to review those investment options, have a look at debt repayment for you, and how that can be structured to try and reduce that for you.","start":2496.875,"end":2511.35,"sentiment":"neutral","sentiment_score":0.2508817195892334},{"text":"And what I might also do when I send you through the estate planning document for you to have a look at for the referral the ref not the referral, the professional partner for you and Courtney to have a have a look at.","start":2511.97,"end":2529.85,"sentiment":"neutral","sentiment_score":0.15060932358557527}],"sentiment":"neutral","sentiment_score":0.1699284916144929,"num_words":112,"start":2482.01,"end":2529.85},{"sentences":[{"text":"I might send you a spreadsheet with your cash with a cash flow.","start":2529.85,"end":2533.53,"sentiment":"neutral","sentiment_score":0.1826220670571694},{"text":"So if you can give me a kind of overview of the full household income and expenses, I can then work that in with the the repayment of debt to see if you like, if you're happy to do that, or if you just want me to give you the figures to repay the debts in three to five years and then the home loan ten, fifteen, or twenty years, I can do that as well.","start":2533.53,"end":2557.75,"sentiment":"neutral","sentiment_score":0.20275446468670116},{"text":"It's entirely up to you.","start":2557.75,"end":2559.45,"sentiment":"neutral","sentiment_score":0.253000283241272},{"text":"Yep.","start":2565.27,"end":2565.51,"sentiment":"neutral","sentiment_score":0.17781251668930054},{"text":"I get so we'll I'll send you through a spreadsheet, and you just simply pop it pop in the details, and you can send it back to me.","start":2565.51,"end":2572.685,"sentiment":"neutral","sentiment_score":0.18062605815274374}],"sentiment":"neutral","sentiment_score":0.19742902235044696,"num_words":123,"start":2529.85,"end":2572.685},{"sentences":[{"text":"Yep.","start":2574.345,"end":2574.845,"sentiment":"positive","sentiment_score":0.5098901987075806},{"text":"Beautiful.","start":2575.145,"end":2575.645,"sentiment":"positive","sentiment_score":0.7820091247558594},{"text":"Alright.","start":2575.945,"end":2576.445,"sentiment":"positive","sentiment_score":0.4066505432128906},{"text":"Do you have any questions for me?","start":2576.505,"end":2578.605,"sentiment":"neutral","sentiment_score":0.11571033937590462},{"text":"Mhmm.","start":2596.49,"end":2596.635,"sentiment":"neutral","sentiment_score":-0.11904206871986388}],"sentiment":"neutral","sentiment_score":0.21722547032616354,"num_words":11,"start":2574.345,"end":2596.635},{"sentences":[{"text":"Oh, okay.","start":2602.475,"end":2603.055,"sentiment":"neutral","sentiment_score":0.13879910111427307},{"text":"Yeah.","start":2609.035,"end":2609.535,"sentiment":"neutral","sentiment_score":0.10091236233711244},{"text":"Oh, that's oh, that's good.","start":2611.115,"end":2614.31,"sentiment":"neutral","sentiment_score":0.31359319388866425},{"text":"That's good.","start":2614.31,"end":2614.79,"sentiment":"positive","sentiment_score":0.6997264623641968},{"text":"Well, if at any point in time you do have some questions, please feel free to reach out.","start":2614.79,"end":2620.57,"sentiment":"neutral","sentiment_score":0.08680215953952736}],"sentiment":"neutral","sentiment_score":0.17529886894460237,"num_words":28,"start":2602.475,"end":2620.57},{"sentences":[{"text":"Otherwise, you'll you'll yep.","start":2621.59,"end":2631.285,"sentiment":"neutral","sentiment_score":0.03883065935224295},{"text":"Yep.","start":2631.285,"end":2631.365,"sentiment":"neutral","sentiment_score":0.046576932072639465},{"text":"Not the trauma unless you want me to.","start":2631.365,"end":2633.685,"sentiment":"neutral","sentiment_score":-0.05036010779440403},{"text":"I can send you some information on the trauma insurance, but I was gonna send you information on the estate planning, your wills, and power of attorney.","start":2633.685,"end":2640.8398,"sentiment":"neutral","sentiment_score":0.07102099433541298},{"text":"And I was gonna send send you a spreadsheet on to feel for your cash flow, your household cash flow, because that can help payment quicker.","start":2641.7798,"end":2650.215,"sentiment":"neutral","sentiment_score":0.13296781508968428}],"sentiment":"neutral","sentiment_score":0.07839013252294424,"num_words":66,"start":2621.59,"end":2650.215},{"sentences":[{"text":"I can yep.","start":2651.395,"end":2658.675,"sentiment":"neutral","sentiment_score":0.031504543110107384},{"text":"I can do that.","start":2658.675,"end":2659.655,"sentiment":"neutral","sentiment_score":0.02334397565573454},{"text":"Yeah.","start":2665.25,"end":2665.7302,"sentiment":"neutral","sentiment_score":0.03339102491736412},{"text":"Yep.","start":2665.7302,"end":2666.2302,"sentiment":"neutral","sentiment_score":0.039371855556964874},{"text":"What I can do is I'll send you the general information.","start":2666.29,"end":2669.6702,"sentiment":"neutral","sentiment_score":0.05482784150676294}],"sentiment":"neutral","sentiment_score":0.04318793345009908,"num_words":20,"start":2651.395,"end":2669.6702},{"sentences":[{"text":"Yeah.","start":2670.29,"end":2670.61,"sentiment":"neutral","sentiment_score":0.08064530789852142},{"text":"I'll send you the general information of what a trauma policy is, and you're with one path.","start":2670.61,"end":2675.5151,"sentiment":"neutral","sentiment_score":0.12847400281359167},{"text":"So what I'll do in that is I will provide a link or I'll provide a snip, an image from the PDF showing what type of conditions are covered, and you can have a look at those as well.","start":2675.5151,"end":2687.535,"sentiment":"neutral","sentiment_score":0.08532538647070909},{"text":"I'll provide one pass.","start":2687.81,"end":2689.33,"sentiment":"neutral","sentiment_score":0.06080607615876943},{"text":"I mean, there's many other insurance companies out there that do this type of cover, but I'll provide one pass because that's who you're currently with just for a general information piece for yourself.","start":2689.33,"end":2698.31,"sentiment":"neutral","sentiment_score":0.07420131575097055}],"sentiment":"neutral","sentiment_score":0.08798381545531907,"num_words":95,"start":2670.29,"end":2698.31},{"sentences":[{"text":"So I'll send those out to you.","start":2699.57,"end":2701.43,"sentiment":"neutral","sentiment_score":0.1504341002021517},{"text":"Alright.","start":2703.365,"end":2703.865,"sentiment":"neutral","sentiment_score":0.15999354422092438},{"text":"So what I also probably about in two weeks' time, you'll hear from me or one of my colleagues just to book in another time to go through the changes that we're gonna look at for those insurance options and those and just prevent present that advice to you.","start":2704.165,"end":2721.6301,"sentiment":"neutral","sentiment_score":0.09741128023181643},{"text":"It could be a little bit longer just depending on how long it takes for you to come back to me with that cash flow spreadsheet because I'll incorporate that all in the same document.","start":2722.6501,"end":2731.9502,"sentiment":"neutral","sentiment_score":0.04746483979480607},{"text":"So once you get that cash flow back to me, I'll be able to get working on it.","start":2732.085,"end":2736.505,"sentiment":"neutral","sentiment_score":0.19808007114463383}],"sentiment":"neutral","sentiment_score":0.10193541500378739,"num_words":110,"start":2699.57,"end":2736.505},{"sentences":[{"text":"Alright.","start":2738.405,"end":2738.905,"sentiment":"positive","sentiment_score":0.5162349939346313},{"text":"Beautiful.","start":2738.9648,"end":2739.4648,"sentiment":"positive","sentiment_score":0.7943071126937866},{"text":"Too easy.","start":2740.085,"end":2740.805,"sentiment":"positive","sentiment_score":0.6872664093971252},{"text":"Well, thanks for your time, Sean.","start":2740.805,"end":2744.717,"sentiment":"positive","sentiment_score":0.6472097535928091},{"text":"I appreciate it.","start":2744.717,"end":2745.697,"sentiment":"positive","sentiment_score":0.7086658875147501}],"sentiment":"positive","sentiment_score":0.668794700732598,"num_words":13,"start":2738.405,"end":2745.697},{"sentences":[{"text":"And I hope you have a wonderful afternoon.","start":2745.997,"end":2747.777,"sentiment":"positive","sentiment_score":0.7902721837162971},{"text":"Okay.","start":2749.677,"end":2750.177,"sentiment":"neutral","sentiment_score":0.28503143787384033},{"text":"Bye.","start":2750.397,"end":2750.897,"sentiment":"neutral","sentiment_score":0.32203418016433716}],"sentiment":"positive","sentiment_score":0.6929243087768555,"num_words":10,"start":2745.997,"end":2750.897}]}}]},{"alternatives":[{"transcript":"Hello. Sean speaking. Yeah. Good. Yourself? Yep. That's fine. Sean Christopher Brackston. Twenty fifty the first nineteen ninety and 638. Benchmark Road, Laurel Beachmark. Yeah. Yeah. Be better. Yep. Yep. Yep. Yep. I just like to still engage. Yep. Correct. Yep. Yes. It is. Yeah. Sure. 0403 46 9 333. Yeah. Yep. Do I hear it? Heights over 12 meters. Hazardous, probably. Yeah. Electricity. Not parts. It's probably more like eighty twenty in the office space in the field. UTL. Yeah. I'm working on the Cross River Rail project, but it's UGL, you know, that employs me. It's a bit of a weird setup. So I'm working for UGL for CPB on the Cross River Rail project. Yeah. UGL. Yeah. Two years on the October 9. Yep. I think it's 170,000 now. Not sure. Is that a month I could tell you? So I think it's well, let me just double check this. I'm not telling you some completely random figures. 8,885 51. That's after tax. That's in my bank. Yeah. Probably pretty accurate. No. That's probably that's out of mortgage genius. But I'd love it if it was $900 a week including mortgage. I don't know if there's anyone in Australia at the moment who would be paying that. So I think it's about do you need it exactly or just roughly? It's about $4,140 or something like that. Yeah. No. That's the minimum. How much? Sorry. Yeah. Look. Sort of ebbs and flows. Like, I usually wanna get paid sort of like I'm putting somewhere between 1,500 and and $2, but, yeah, I do pull back out. So let's say, yeah, somewhere in that, like, $2.50 to 500. Yeah. It's probably probably about 8.5 at the moment. Yeah. Well, I've kinda just put aside, like, $5. It's just like a but yeah. Like, since I got a good tax return, so let's sort of put that up. Yeah. There's probably a few. So oh, you'd have the car already. Well, there's two. So I've got a missing Skyline, and that's probably, like, $15.60. No. And then I got the d max. I don't know. Probably 30 grand. And then we got the Courtney and I bought a caravan as well last year, something like that. 48 to 50, something like that. No. No. Nothing major. I'll just double check. 662,000. Was 662,500. And then there's a there's a personal loan there as well, probably around 40,000. No. No. No. Yeah. Previously. No. Mhmm. No. Not really. I just suffer from acid reflux. So I got a a hadal hernia that I take pan toppers on daily for. Other than that, do you fit in healthy? Well, if it's debatable, though. Yep. Yeah. It's like a basically, in my stomach. So pantoprazole. Think it's a forty milligram one. No. I've looked into it a couple times, but no. Well, I haven't been eighty kilos for a while. I'd say probably probably about eighty seven to ninety would be more accurate. Yeah. Yep. No. I don't think so. Yep. Mhmm. Yeah. Look, I mean, they're paying off as much debt as possible. I suppose that's just going week by week, really. But, yeah, I don't know. The the progression thing sort of not really as much of a priority anymore. Look. The personal loan, I want done in the next three to five years. And then yeah. Mortgage as soon as possible would be nice. That's just the time frame at the moment. So I have have sort of considered that. But yeah. It's just with everything else that sort of goes on that, you know, sort of good intentions and then yeah. Oh, look. If she is yeah. If she could have a look and and let me know, that'll be good. So yeah. That's fine. Okay. Let's have a look here and see if it'll tell me. I don't know if it tells me that. Great. That and the and the homeless. A what? Sorry. Yeah. I might be able to. Sorry. Just trying to figure out where to get the statements in this banking app. Right. Right. Important information. Not nothing there. I wanna know if it's one of those things where you can then get the statement to log in through the browser. Yep. Yeah. Because I can give you, like, repayment or amount, the interest, and what's and the balance, but, yeah, I can't send you the fund statement. Yeah. So it is nine point four nine percent. $41,698 and 30 five cents. Probably yeah. Yeah. Probably three. Yep. It changes. 6.24%. Wow. Yeah. Look. I mean, I suppose it's one of those things. Right? Like, it just sort of depends on your figures. I mean, like, I'd love to say 10 to 15, but I mean, probably your ideal, even a 20 would be maybe a little bit more, I don't know, realistic, I guess. Yep. If you could if if you could give back sort of, you know, this is what you'd have to do from everywhere from, like, 15 to, like, even would just be good. Yeah. I think that's probably really like a necessity. Yeah. I've been off sick, and I must say I was not going to work. No. Probably, I don't know, 65 would be nice. Still get a couple of years to play golf and go traveling. Yeah. Courtney. Yeah. Lucky you're not on speaker or else I would have been in trouble then. Yeah. Yeah. Yeah. Look. I mean, fuck. I don't know. It's hard to really think of, I suppose, because, like, you sort of look at a figure now, but then you think, like, come retirement, you know, that Carter will be hopefully looking after himself. So, you know, like, I don't know. Like, I think, like, between the two of us, it sort of need, like, a minimum of, like, a thousand dollars a week, I reckon, stuff like that. Well, look, probably not holidays. Yeah. Let's say yeah. You probably did a little bit more, so two holidays. And depending on what you're doing, like, you know, that was the point of us buying the caravan to just sort of do, like, cheaper trips. But I mean, even then, the cost of hip camps and, like, just camping in general with the cost of fuel has sort of gone up as well. So, yeah. Yeah. Is that sort of in line with what everyone else sort of? Like, what's generally yeah. Yeah. Yes. Seems that way at the moment. Yep. Yep. Yeah. Yeah. I'd say so. Yeah. I've actually been pretty happy with, you know, how you guys sort of set that up and and how to tell them, really. Yep. Yep. Yes. Yeah. Yeah. Look, I mean, if anything sorta happened to me, I really would sorta want them to be in a position where they don't really have to worry about anything. Yeah. Yep. Yep. I think I think I have already set that up. So in terms of, like, the super Courtney and Carter beneficiaries on that. But, yeah, in terms of, like, everything else, then I'm real yep. Yep. Yep. Yeah. Sure. Look. I mean, I'm I'm open. Like, whatever you guys sort of reckon, you know, and, like, if you don't think it's really beneficial to do every six months, then I'm sort of in this year. Yep. Yep. Yeah. Okay. Yeah. I mean, look, I think really, like all the stuff we're talking about for the long term planning, and I don't really think that enough really happens in six months to sort of work, you know, reviewing it every six months. And like you said, if if something does change or whatever, then I can call up and do it, then that's fine. Mhmm. Okay. Yep. Yeah. I do. Yes. Yep. Yep. Got an iPhone. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Yeah. I think so. Yeah. I mean, yeah, it's kind of I suppose in terms of, like, the life and TPD and stuff, it is kind of hard to sort of picture. You know, like, I'd I guess originally when I sort of set it all up, I kinda just sort of had the goal of, like, if anything did happen to me, then, like, Courtney could just pay off the house and not have to worry about the house. And then, you know, there's money there to just sort of, yeah, not really have to worry, like, I guess, for at least some period of time about, you know, work and and those sort of responsibilities. So I guess that leaves sort of like, I guess, I mean, 1,200,000. We're also left over. So Yep. Yep. Mhmm. Yep. Yep. Yep. Okay. So so really what that four week waiting period, it it's sort of like doesn't get back paid. That's like that's sort of yeah. Yeah. Right. Okay. Yes. Yeah. Yeah. Yep. Mhmm. Yeah. Okay. Yep. Makes sense. Yeah. Look, I think I remember having this discussion when I was sort of going through all that stuff in the right way. Yep. Yep. Mhmm. Okay. Yep. Yeah. This one. Mhmm. Mhmm. Okay. Mhmm. Yeah. Yeah. That's fine. Yep. That's fine. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Mhmm. Bye bye. Good. Yep. Yep. Yeah. Would you be able to just let me know what you need? Okay. Yeah. Yeah. Good. No. Look. Like yeah. Like I said, I'm I've been pretty happy with like, I think, yeah, initially, especially with the amount of sort of, like, you know, scams and stuff that go on us a little bit sort of hesitant because I think you guys sort of called me out of the blue a few years prior. But, yeah, I've been really happy with the service and, like, where my super is going and, yeah, So I don't really have any conscience. Yep. And then just just to confirm, so would you did you say you were gonna send me some information on the trauma cover thing? Yep. Yeah. Look. If you could send me maybe just, like, some information on that trauma. But, yeah, I'm I'm pretty I'm curious to know, like, you know, what it covers first, you know, stuff and that cost you. Yep. Yep. Okay. Yeah. No worries. Thank you. You too. See you. 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Sean speaking. Yeah. Good. Yourself?\n\nYep. That's fine. Sean Christopher Brackston. Twenty fifty the first nineteen ninety and 638. Benchmark Road, Laurel Beachmark.\n\nYeah. Yeah. Be better. Yep. Yep.\n\nYep. Yep. I just like to still engage. Yep. Correct.\n\nYep. Yes. It is. Yeah. Sure.\n\n0403 46 9 333. Yeah. Yep. Do I hear it? Heights over 12 meters.\n\nHazardous, probably. Yeah. Electricity. Not parts. It's probably more like eighty twenty in the office space in the field.\n\nUTL. Yeah. I'm working on the Cross River Rail project, but it's UGL, you know, that employs me. It's a bit of a weird setup. So I'm working for UGL for CPB on the Cross River Rail project.\n\nYeah. UGL. Yeah. Two years on the October 9. Yep.\n\nI think it's 170,000 now. Not sure. Is that a month I could tell you? So I think it's well, let me just double check this. I'm not telling you some completely random figures.\n\n8,885 51. That's after tax. That's in my bank. Yeah. Probably pretty accurate.\n\nNo. That's probably that's out of mortgage genius. But I'd love it if it was $900 a week including mortgage. I don't know if there's anyone in Australia at the moment who would be paying that. So I think it's about do you need it exactly or just roughly?\n\nIt's about $4,140 or something like that. Yeah. No. That's the minimum. How much?\n\nSorry. Yeah. Look. Sort of ebbs and flows. Like, I usually wanna get paid sort of like I'm putting somewhere between 1,500 and and $2, but, yeah, I do pull back out.\n\nSo let's say, yeah, somewhere in that, like, $2.50 to 500. Yeah. It's probably probably about 8.5 at the moment. Yeah. Well, I've kinda just put aside, like, $5.\n\nIt's just like a but yeah. Like, since I got a good tax return, so let's sort of put that up. Yeah. There's probably a few. So oh, you'd have the car already.\n\nWell, there's two. So I've got a missing Skyline, and that's probably, like, $15.60. No. And then I got the d max. I don't know.\n\nProbably 30 grand. And then we got the Courtney and I bought a caravan as well last year, something like that. 48 to 50, something like that. No. No.\n\nNothing major. I'll just double check. 662,000. Was 662,500. And then there's a there's a personal loan there as well, probably around 40,000.\n\nNo. No. No. Yeah. Previously.\n\nNo. Mhmm. No. Not really. I just suffer from acid reflux.\n\nSo I got a a hadal hernia that I take pan toppers on daily for. Other than that, do you fit in healthy? Well, if it's debatable, though. Yep. Yeah.\n\nIt's like a basically, in my stomach. So pantoprazole. Think it's a forty milligram one. No. I've looked into it a couple times, but no.\n\nWell, I haven't been eighty kilos for a while. I'd say probably probably about eighty seven to ninety would be more accurate. Yeah. Yep. No.\n\nI don't think so. Yep. Mhmm. Yeah. Look, I mean, they're paying off as much debt as possible.\n\nI suppose that's just going week by week, really. But, yeah, I don't know. The the progression thing sort of not really as much of a priority anymore. Look. The personal loan, I want done in the next three to five years.\n\nAnd then yeah. Mortgage as soon as possible would be nice. That's just the time frame at the moment. So I have have sort of considered that. But yeah.\n\nIt's just with everything else that sort of goes on that, you know, sort of good intentions and then yeah. Oh, look. If she is yeah. If she could have a look and and let me know, that'll be good. So yeah.\n\nThat's fine. Okay. Let's have a look here and see if it'll tell me. I don't know if it tells me that. Great.\n\nThat and the and the homeless. A what? Sorry. Yeah. I might be able to.\n\nSorry. Just trying to figure out where to get the statements in this banking app. Right. Right. Important information.\n\nNot nothing there. I wanna know if it's one of those things where you can then get the statement to log in through the browser. Yep. Yeah. Because I can give you, like, repayment or amount, the interest, and what's and the balance, but, yeah, I can't send you the fund statement.\n\nYeah. So it is nine point four nine percent. $41,698 and 30 five cents. Probably yeah. Yeah.\n\nProbably three. Yep. It changes. 6.24%. Wow.\n\nYeah. Look. I mean, I suppose it's one of those things. Right? Like, it just sort of depends on your figures.\n\nI mean, like, I'd love to say 10 to 15, but I mean, probably your ideal, even a 20 would be maybe a little bit more, I don't know, realistic, I guess. Yep. If you could if if you could give back sort of, you know, this is what you'd have to do from everywhere from, like, 15 to, like, even would just be good. Yeah. I think that's probably really like a necessity.\n\nYeah. I've been off sick, and I must say I was not going to work. No. Probably, I don't know, 65 would be nice. Still get a couple of years to play golf and go traveling.\n\nYeah. Courtney. Yeah. Lucky you're not on speaker or else I would have been in trouble then. Yeah.\n\nYeah. Yeah. Look. I mean, fuck. I don't know.\n\nIt's hard to really think of, I suppose, because, like, you sort of look at a figure now, but then you think, like, come retirement, you know, that Carter will be hopefully looking after himself. So, you know, like, I don't know. Like, I think, like, between the two of us, it sort of need, like, a minimum of, like, a thousand dollars a week, I reckon, stuff like that. Well, look, probably not holidays. Yeah.\n\nLet's say yeah. You probably did a little bit more, so two holidays. And depending on what you're doing, like, you know, that was the point of us buying the caravan to just sort of do, like, cheaper trips. But I mean, even then, the cost of hip camps and, like, just camping in general with the cost of fuel has sort of gone up as well. So, yeah.\n\nYeah. Is that sort of in line with what everyone else sort of? Like, what's generally yeah. Yeah. Yes.\n\nSeems that way at the moment. Yep. Yep. Yeah. Yeah.\n\nI'd say so. Yeah. I've actually been pretty happy with, you know, how you guys sort of set that up and and how to tell them, really. Yep. Yep.\n\nYes. Yeah. Yeah. Look, I mean, if anything sorta happened to me, I really would sorta want them to be in a position where they don't really have to worry about anything. Yeah.\n\nYep. Yep. I think I think I have already set that up. So in terms of, like, the super Courtney and Carter beneficiaries on that. But, yeah, in terms of, like, everything else, then I'm real yep.\n\nYep. Yep. Yeah. Sure. Look.\n\nI mean, I'm I'm open. Like, whatever you guys sort of reckon, you know, and, like, if you don't think it's really beneficial to do every six months, then I'm sort of in this year. Yep. Yep. Yeah.\n\nOkay. Yeah. I mean, look, I think really, like all the stuff we're talking about for the long term planning, and I don't really think that enough really happens in six months to sort of work, you know, reviewing it every six months. And like you said, if if something does change or whatever, then I can call up and do it, then that's fine. Mhmm.\n\nOkay. Yep. Yeah. I do. Yes.\n\nYep. Yep. Got an iPhone. Yep. Mhmm.\n\nYep. Yep. Mhmm. Yep. Yeah.\n\nI think so. Yeah. I mean, yeah, it's kind of I suppose in terms of, like, the life and TPD and stuff, it is kind of hard to sort of picture. You know, like, I'd I guess originally when I sort of set it all up, I kinda just sort of had the goal of, like, if anything did happen to me, then, like, Courtney could just pay off the house and not have to worry about the house. And then, you know, there's money there to just sort of, yeah, not really have to worry, like, I guess, for at least some period of time about, you know, work and and those sort of responsibilities.\n\nSo I guess that leaves sort of like, I guess, I mean, 1,200,000. We're also left over. So Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Okay. So so really what that four week waiting period, it it's sort of like doesn't get back paid.\n\nThat's like that's sort of yeah. Yeah. Right. Okay. Yes.\n\nYeah. Yeah. Yep. Mhmm. Yeah.\n\nOkay. Yep. Makes sense. Yeah. Look, I think I remember having this discussion when I was sort of going through all that stuff in the right way.\n\nYep. Yep. Mhmm. Okay. Yep.\n\nYeah. This one. Mhmm. Mhmm. Okay.\n\nMhmm. Yeah. Yeah. That's fine. Yep.\n\nThat's fine. Yep. Yep. Okay. Yep.\n\nYep. Yep. Yep. Mhmm. Bye bye.\n\nGood. Yep. Yep. Yeah. Would you be able to just let me know what you need?\n\nOkay. Yeah. Yeah. Good. No.\n\nLook. Like yeah. Like I said, I'm I've been pretty happy with like, I think, yeah, initially, especially with the amount of sort of, like, you know, scams and stuff that go on us a little bit sort of hesitant because I think you guys sort of called me out of the blue a few years prior. But, yeah, I've been really happy with the service and, like, where my super is going and, yeah, So I don't really have any conscience. Yep.\n\nAnd then just just to confirm, so would you did you say you were gonna send me some information on the trauma cover thing? Yep. Yeah. Look. If you could send me maybe just, like, some information on that trauma.\n\nBut, yeah, I'm I'm pretty I'm curious to know, like, you know, what it covers first, you know, stuff and that cost you. Yep. Yep. Okay. Yeah.\n\nNo worries. Thank you. You too. See you. Thanks.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.8399999,"end":2.24,"sentiment":"neutral","sentiment_score":0.02252122201025486},{"text":"Sean speaking.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.01585344225168228},{"text":"Yeah.","start":7.68,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.24905268847942352},{"text":"Good.","start":7.9199996,"end":8.24,"sentiment":"positive","sentiment_score":0.4710739552974701},{"text":"Yourself?","start":8.24,"end":8.74,"sentiment":"neutral","sentiment_score":0.3123767077922821}],"sentiment":"neutral","sentiment_score":0.18112190968046585,"num_words":6,"start":1.8399999,"end":8.74},{"sentences":[{"text":"Yep.","start":17.885,"end":18.125,"sentiment":"neutral","sentiment_score":0.08960223197937012},{"text":"That's fine.","start":18.125,"end":18.945,"sentiment":"neutral","sentiment_score":0.27517106384038925},{"text":"Sean Christopher Brackston.","start":25.165,"end":26.625,"sentiment":"neutral","sentiment_score":0.02252214091519515},{"text":"Twenty fifty the first nineteen ninety and 638.","start":26.845,"end":30.550001,"sentiment":"neutral","sentiment_score":0.02857341500930488},{"text":"Benchmark Road, Laurel Beachmark.","start":30.550001,"end":32.17,"sentiment":"neutral","sentiment_score":0.05764736607670784}],"sentiment":"neutral","sentiment_score":0.06481597593261136,"num_words":18,"start":17.885,"end":32.17},{"sentences":[{"text":"Yeah.","start":37.91,"end":38.31,"sentiment":"neutral","sentiment_score":0.14903099834918976},{"text":"Yeah.","start":38.31,"end":38.71,"sentiment":"neutral","sentiment_score":0.1732276976108551},{"text":"Be better.","start":38.71,"end":39.37,"sentiment":"neutral","sentiment_score":0.1889580711722374},{"text":"Yep.","start":48.045002,"end":48.545002,"sentiment":"neutral","sentiment_score":0.07750316709280014},{"text":"Yep.","start":58.46,"end":58.96,"sentiment":"neutral","sentiment_score":0.09660831093788148}],"sentiment":"neutral","sentiment_score":0.14571438605586687,"num_words":6,"start":37.91,"end":58.96},{"sentences":[{"text":"Yep.","start":64.7,"end":64.86,"sentiment":"neutral","sentiment_score":0.030713891610503197},{"text":"Yep.","start":64.86,"end":65.36,"sentiment":"neutral","sentiment_score":0.02132232114672661},{"text":"I just like to still engage.","start":75.825005,"end":77.605,"sentiment":"neutral","sentiment_score":0.010662590463956198},{"text":"Yep.","start":82.42,"end":82.66,"sentiment":"neutral","sentiment_score":0.023013515397906303},{"text":"Correct.","start":82.66,"end":83.16,"sentiment":"neutral","sentiment_score":0.03938763216137886}],"sentiment":"neutral","sentiment_score":0.017841290310025217,"num_words":10,"start":64.7,"end":83.16},{"sentences":[{"text":"Yep.","start":90.1,"end":90.42,"sentiment":"neutral","sentiment_score":0.0314982645213604},{"text":"Yes.","start":90.42,"end":90.82,"sentiment":"neutral","sentiment_score":0.06757043302059174},{"text":"It is.","start":90.82,"end":91.56,"sentiment":"neutral","sentiment_score":0.07807057350873947},{"text":"Yeah.","start":99.995,"end":100.315,"sentiment":"neutral","sentiment_score":0.02954310178756714},{"text":"Sure.","start":100.315,"end":100.635,"sentiment":"neutral","sentiment_score":0.023452378809452057}],"sentiment":"neutral","sentiment_score":0.051367554192741714,"num_words":6,"start":90.1,"end":100.635},{"sentences":[{"text":"0403 46 9 333.","start":100.635,"end":107.295,"sentiment":"neutral","sentiment_score":0.010716510354541242},{"text":"Yeah.","start":110.5,"end":111.0,"sentiment":"neutral","sentiment_score":0.09574982523918152},{"text":"Yep.","start":119.7,"end":120.2,"sentiment":"neutral","sentiment_score":-0.00786667875945568},{"text":"Do I hear it?","start":120.26,"end":121.32,"sentiment":"neutral","sentiment_score":-0.02383705275133252},{"text":"Heights over 12 meters.","start":126.735,"end":128.275,"sentiment":"neutral","sentiment_score":-0.031143121886998415}],"sentiment":"neutral","sentiment_score":-0.00636939361824521,"num_words":14,"start":100.635,"end":128.275},{"sentences":[{"text":"Hazardous, probably.","start":131.935,"end":133.055,"sentiment":"neutral","sentiment_score":-0.10931942239403725},{"text":"Yeah.","start":133.055,"end":133.295,"sentiment":"neutral","sentiment_score":-0.045043326914310455},{"text":"Electricity.","start":133.295,"end":133.795,"sentiment":"neutral","sentiment_score":-0.04644421488046646},{"text":"Not parts.","start":135.135,"end":135.875,"sentiment":"neutral","sentiment_score":-0.1066582016646862},{"text":"It's probably more like eighty twenty in the office space in the field.","start":150.73999,"end":156.86499,"sentiment":"neutral","sentiment_score":-0.001686754529006206}],"sentiment":"neutral","sentiment_score":-0.02870371572575287,"num_words":19,"start":131.935,"end":156.86499},{"sentences":[{"text":"UTL.","start":164.04,"end":164.54,"sentiment":"neutral","sentiment_score":0.020917434245347977},{"text":"Yeah.","start":169.95999,"end":170.35999,"sentiment":"neutral","sentiment_score":0.02369590476155281},{"text":"I'm working on the Cross River Rail project, but it's UGL, you know, that employs me.","start":170.35999,"end":175.09999,"sentiment":"neutral","sentiment_score":0.01964014527038671},{"text":"It's a bit of a weird setup.","start":175.31999,"end":177.07999,"sentiment":"neutral","sentiment_score":-0.03091963194310665},{"text":"So I'm working for UGL for CPB on the Cross River Rail project.","start":177.07999,"end":184.44499,"sentiment":"neutral","sentiment_score":-0.004552371907406128}],"sentiment":"neutral","sentiment_score":0.002190458024606893,"num_words":38,"start":164.04,"end":184.44499},{"sentences":[{"text":"Yeah.","start":189.94499,"end":190.44499,"sentiment":"neutral","sentiment_score":0.016959264874458313},{"text":"UGL.","start":190.825,"end":191.325,"sentiment":"neutral","sentiment_score":0.015575513243675232},{"text":"Yeah.","start":191.385,"end":191.885,"sentiment":"neutral","sentiment_score":0.19848406314849856},{"text":"Two years on the October 9.","start":197.73,"end":199.50998,"sentiment":"neutral","sentiment_score":0.03542740705112616},{"text":"Yep.","start":206.93,"end":207.43,"sentiment":"neutral","sentiment_score":0.04125254601240158}],"sentiment":"neutral","sentiment_score":0.04848358295857906,"num_words":10,"start":189.94499,"end":207.43},{"sentences":[{"text":"I think it's 170,000 now.","start":211.22499,"end":216.765,"sentiment":"neutral","sentiment_score":0.028857748955488205},{"text":"Not sure.","start":224.19,"end":225.25,"sentiment":"neutral","sentiment_score":-0.0297021996229887},{"text":"Is that a month I could tell you?","start":226.98999,"end":235.97,"sentiment":"neutral","sentiment_score":0.009670757688581944},{"text":"So I think it's well, let me just double check this.","start":237.39,"end":242.65501,"sentiment":"neutral","sentiment_score":0.018532928418029438},{"text":"I'm not telling you some completely random figures.","start":242.71501,"end":245.375,"sentiment":"neutral","sentiment_score":-0.02751728636212647}],"sentiment":"neutral","sentiment_score":0.004293362610042095,"num_words":34,"start":211.22499,"end":245.375},{"sentences":[{"text":"8,885 51.","start":255.4,"end":258.86,"sentiment":"neutral","sentiment_score":0.006424169754609466},{"text":"That's after tax.","start":265.625,"end":266.845,"sentiment":"neutral","sentiment_score":0.0027806209400296207},{"text":"That's in my bank.","start":266.905,"end":268.125,"sentiment":"neutral","sentiment_score":0.050791661255061626},{"text":"Yeah.","start":285.28,"end":285.68,"sentiment":"neutral","sentiment_score":0.05257466435432434},{"text":"Probably pretty accurate.","start":285.68,"end":286.98,"sentiment":"neutral","sentiment_score":0.08347643415133159}],"sentiment":"neutral","sentiment_score":0.04056621647368257,"num_words":13,"start":255.4,"end":286.98},{"sentences":[{"text":"No.","start":290.56,"end":290.96002,"sentiment":"neutral","sentiment_score":-0.1814359724521637},{"text":"That's probably that's out of mortgage genius.","start":290.96002,"end":293.62,"sentiment":"neutral","sentiment_score":-0.3218630999326706},{"text":"But I'd love it if it was $900 a week including mortgage.","start":294.465,"end":297.44498,"sentiment":"neutral","sentiment_score":0.07542501514156659},{"text":"I don't know if there's anyone in Australia at the moment who would be paying that.","start":301.425,"end":304.805,"sentiment":"neutral","sentiment_score":-0.22384129837155342},{"text":"So I think it's about do you need it exactly or just roughly?","start":315.92,"end":319.94,"sentiment":"neutral","sentiment_score":0.0024027185729489876}],"sentiment":"neutral","sentiment_score":-0.10366536577099136,"num_words":49,"start":290.56,"end":319.94},{"sentences":[{"text":"It's about $4,140 or something like that.","start":323.405,"end":328.785,"sentiment":"neutral","sentiment_score":-0.016057927261239717},{"text":"Yeah.","start":330.605,"end":331.105,"sentiment":"neutral","sentiment_score":0.01105846744030714},{"text":"No.","start":336.06,"end":336.3,"sentiment":"neutral","sentiment_score":-0.0846831202507019},{"text":"That's the minimum.","start":336.3,"end":337.36,"sentiment":"neutral","sentiment_score":-0.05025375820696354},{"text":"How much?","start":347.02,"end":347.58,"sentiment":"neutral","sentiment_score":0.00995238358154893}],"sentiment":"neutral","sentiment_score":-0.02263476079263325,"num_words":14,"start":323.405,"end":347.58},{"sentences":[{"text":"Sorry.","start":347.58,"end":347.835,"sentiment":"neutral","sentiment_score":-0.009405161254107952},{"text":"Yeah.","start":352.475,"end":352.875,"sentiment":"neutral","sentiment_score":0.008244107477366924},{"text":"Look.","start":352.875,"end":353.375,"sentiment":"neutral","sentiment_score":-0.003505069762468338},{"text":"Sort of ebbs and flows.","start":354.955,"end":356.395,"sentiment":"neutral","sentiment_score":-0.01914137080311775},{"text":"Like, I usually wanna get paid sort of like I'm putting somewhere between 1,500 and and $2, but, yeah, I do pull back out.","start":356.395,"end":366.09,"sentiment":"neutral","sentiment_score":0.015327519775989154}],"sentiment":"neutral","sentiment_score":0.008358984283404425,"num_words":32,"start":347.58,"end":366.09},{"sentences":[{"text":"So let's say, yeah, somewhere in that, like, $2.50 to 500.","start":366.09,"end":370.83,"sentiment":"neutral","sentiment_score":0.01879154806109992},{"text":"Yeah.","start":378.505,"end":379.005,"sentiment":"neutral","sentiment_score":0.021818045526742935},{"text":"It's probably probably about 8.5 at the moment.","start":379.305,"end":383.565,"sentiment":"neutral","sentiment_score":0.025373615324497223},{"text":"Yeah.","start":389.61002,"end":389.93002,"sentiment":"neutral","sentiment_score":0.04807724803686142},{"text":"Well, I've kinda just put aside, like, $5.","start":389.93002,"end":392.81,"sentiment":"neutral","sentiment_score":0.0387030765414238}],"sentiment":"neutral","sentiment_score":0.027214339902174884,"num_words":29,"start":366.09,"end":392.81},{"sentences":[{"text":"It's just like a but yeah.","start":392.81,"end":398.73,"sentiment":"neutral","sentiment_score":0.032883296410242714},{"text":"Like, since I got a good tax return, so let's sort of put that up.","start":398.73,"end":404.385,"sentiment":"neutral","sentiment_score":0.1851561561226845},{"text":"Yeah.","start":414.14,"end":414.54,"sentiment":"neutral","sentiment_score":0.01868215575814247},{"text":"There's probably a few.","start":414.54,"end":415.76,"sentiment":"neutral","sentiment_score":0.008721815655007958},{"text":"So oh, you'd have the car already.","start":417.98,"end":420.88,"sentiment":"neutral","sentiment_score":-0.018956929179174558}],"sentiment":"neutral","sentiment_score":0.08774281922502047,"num_words":33,"start":392.81,"end":420.88},{"sentences":[{"text":"Well, there's two.","start":428.02502,"end":429.405,"sentiment":"neutral","sentiment_score":-0.019116236828267574},{"text":"So I've got a missing Skyline, and that's probably, like, $15.60.","start":431.785,"end":440.62,"sentiment":"neutral","sentiment_score":-0.018419251607900314},{"text":"No.","start":444.44,"end":444.94,"sentiment":"neutral","sentiment_score":-0.08027109503746033},{"text":"And then I got the d max.","start":447.63998,"end":449.97998,"sentiment":"neutral","sentiment_score":-0.0331141081239496},{"text":"I don't know.","start":451.0,"end":451.605,"sentiment":"neutral","sentiment_score":-0.043232002605994545}],"sentiment":"neutral","sentiment_score":-0.028069053515791892,"num_words":25,"start":428.02502,"end":451.605},{"sentences":[{"text":"Probably 30 grand.","start":451.765,"end":456.42502,"sentiment":"neutral","sentiment_score":0.05674597279479105},{"text":"And then we got the Courtney and I bought a caravan as well last year, something like that.","start":456.80502,"end":464.745,"sentiment":"neutral","sentiment_score":0.10981779504153463},{"text":"48 to 50, something like that.","start":469.05,"end":471.63,"sentiment":"neutral","sentiment_score":0.01380860541636745},{"text":"No.","start":477.29,"end":477.79,"sentiment":"neutral","sentiment_score":-0.1281757652759552},{"text":"No.","start":477.85,"end":478.35,"sentiment":"neutral","sentiment_score":-0.12768419086933136}],"sentiment":"neutral","sentiment_score":0.06806723812016947,"num_words":29,"start":451.765,"end":478.35},{"sentences":[{"text":"Nothing major.","start":482.79498,"end":487.215,"sentiment":"neutral","sentiment_score":-0.0212803166359663},{"text":"I'll just double check.","start":498.395,"end":508.21,"sentiment":"neutral","sentiment_score":0.003349737264215946},{"text":"662,000.","start":508.21,"end":510.23,"sentiment":"neutral","sentiment_score":0.006974484771490097},{"text":"Was 662,500.","start":511.225,"end":514.045,"sentiment":"neutral","sentiment_score":0.010092465672641993},{"text":"And then there's a there's a personal loan there as well, probably around 40,000.","start":520.265,"end":526.045,"sentiment":"neutral","sentiment_score":0.016214702677513872}],"sentiment":"neutral","sentiment_score":0.009782763886386934,"num_words":23,"start":482.79498,"end":526.045},{"sentences":[{"text":"No.","start":541.64,"end":542.14,"sentiment":"neutral","sentiment_score":-0.08529666066169739},{"text":"No.","start":547.095,"end":547.595,"sentiment":"neutral","sentiment_score":-0.1097930073738098},{"text":"No.","start":555.94995,"end":556.44995,"sentiment":"neutral","sentiment_score":-0.08121055364608765},{"text":"Yeah.","start":560.43,"end":560.82996,"sentiment":"neutral","sentiment_score":-0.03635674715042114},{"text":"Previously.","start":560.82996,"end":561.32996,"sentiment":"neutral","sentiment_score":-0.02816968970000744}],"sentiment":"neutral","sentiment_score":-0.06816533170640468,"num_words":5,"start":541.64,"end":561.32996},{"sentences":[{"text":"No.","start":564.82996,"end":565.32996,"sentiment":"neutral","sentiment_score":-0.07899916172027588},{"text":"Mhmm.","start":567.23,"end":567.73,"sentiment":"neutral","sentiment_score":-0.032717760652303696},{"text":"No.","start":572.185,"end":572.425,"sentiment":"neutral","sentiment_score":-0.1423952579498291},{"text":"Not 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though.","start":585.51,"end":587.05,"sentiment":"neutral","sentiment_score":-0.1444460019469261},{"text":"Yep.","start":593.99,"end":594.49,"sentiment":"neutral","sentiment_score":-0.05222797393798828},{"text":"Yeah.","start":594.79,"end":595.29,"sentiment":"neutral","sentiment_score":-0.0488339327275753}],"sentiment":"neutral","sentiment_score":-0.10205476979414622,"num_words":30,"start":575.545,"end":595.29},{"sentences":[{"text":"It's like a basically, in my stomach.","start":598.53503,"end":601.35504,"sentiment":"neutral","sentiment_score":-0.10397879779338837},{"text":"So pantoprazole.","start":609.335,"end":610.075,"sentiment":"neutral","sentiment_score":-0.024658719077706337},{"text":"Think it's a forty milligram one.","start":612.87,"end":614.81,"sentiment":"neutral","sentiment_score":-0.02034848804275195},{"text":"No.","start":621.03,"end":621.27,"sentiment":"neutral","sentiment_score":-0.08671438694000244},{"text":"I've looked into it a couple times, but 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fine.","start":2196.655,"end":2197.395,"sentiment":"positive","sentiment_score":0.3629895746707916},{"text":"Yep.","start":2240.5,"end":2241.0,"sentiment":"neutral","sentiment_score":0.012214802205562592},{"text":"Yep.","start":2249.575,"end":2250.075,"sentiment":"neutral","sentiment_score":0.0934564471244812},{"text":"Okay.","start":2258.63,"end":2259.13,"sentiment":"neutral","sentiment_score":0.08115999400615692},{"text":"Yep.","start":2295.87,"end":2296.37,"sentiment":"neutral","sentiment_score":0.16849182546138763}],"sentiment":"neutral","sentiment_score":0.1802170363565286,"num_words":6,"start":2196.655,"end":2296.37},{"sentences":[{"text":"Yep.","start":2313.615,"end":2314.115,"sentiment":"neutral","sentiment_score":0.12202644348144533},{"text":"Yep.","start":2333.4849,"end":2333.9849,"sentiment":"neutral","sentiment_score":0.27377405762672424},{"text":"Yep.","start":2347.96,"end":2348.46,"sentiment":"neutral","sentiment_score":0.14493797719478607},{"text":"Mhmm.","start":2365.045,"end":2365.545,"sentiment":"neutral","sentiment_score":0.06826360523700714},{"text":"Bye bye.","start":2383.425,"end":2384.165,"sentiment":"neutral","sentiment_score":0.10636818036437035}],"sentiment":"neutral","sentiment_score":0.13695640737811723,"num_words":6,"start":2313.615,"end":2384.165},{"sentences":[{"text":"Good.","start":2408.02,"end":2408.52,"sentiment":"neutral","sentiment_score":0.26995396614074707},{"text":"Yep.","start":2446.845,"end":2447.25,"sentiment":"neutral","sentiment_score":0.16382041573524475},{"text":"Yep.","start":2480.59,"end":2481.09,"sentiment":"neutral","sentiment_score":0.13909707963466644},{"text":"Yeah.","start":2560.75,"end":2561.07,"sentiment":"neutral","sentiment_score":0.2022775411605835},{"text":"Would you be able to just let me know what you need?","start":2561.07,"end":2564.1301,"sentiment":"neutral","sentiment_score":0.17397021998961767}],"sentiment":"neutral","sentiment_score":0.17892447765916586,"num_words":16,"start":2408.02,"end":2564.1301},{"sentences":[{"text":"Okay.","start":2572.775,"end":2573.175,"sentiment":"neutral","sentiment_score":0.2028512954711914},{"text":"Yeah.","start":2573.175,"end":2573.575,"sentiment":"neutral","sentiment_score":0.21463191509246823},{"text":"Yeah.","start":2573.575,"end":2574.055,"sentiment":"positive","sentiment_score":0.34145933389663696},{"text":"Good.","start":2574.055,"end":2574.555,"sentiment":"positive","sentiment_score":0.6504680514335632},{"text":"No.","start":2580.935,"end":2581.335,"sentiment":"neutral","sentiment_score":-0.11675997078418732}],"sentiment":"neutral","sentiment_score":0.2585301250219345,"num_words":5,"start":2572.775,"end":2581.335},{"sentences":[{"text":"Look.","start":2581.335,"end":2581.655,"sentiment":"neutral","sentiment_score":-0.04991493001580238},{"text":"Like yeah.","start":2581.655,"end":2582.37,"sentiment":"neutral","sentiment_score":-0.027112595736980438},{"text":"Like I said, I'm I've been pretty happy with like, I think, yeah, initially, especially with the amount of sort of, like, you know, scams and stuff that go on us a little bit sort of hesitant because I think you guys sort of called me out of the blue a few years prior.","start":2582.37,"end":2601.325,"sentiment":"neutral","sentiment_score":-0.1068225760978681},{"text":"But, yeah, I've been really happy with the service and, like, where my super is going and, yeah, So I don't really have any conscience.","start":2602.425,"end":2612.11,"sentiment":"neutral","sentiment_score":0.30537229984998704},{"text":"Yep.","start":2621.6902,"end":2622.01,"sentiment":"neutral","sentiment_score":0.049406640231609344}],"sentiment":"neutral","sentiment_score":0.021821143442248725,"num_words":83,"start":2581.335,"end":2622.01},{"sentences":[{"text":"And then just just to confirm, so would you did you say you were gonna send me some information on the trauma cover thing?","start":2622.01,"end":2630.645,"sentiment":"neutral","sentiment_score":0.030120410568391282},{"text":"Yep.","start":2641.49,"end":2641.99,"sentiment":"neutral","sentiment_score":0.09774109721183775},{"text":"Yeah.","start":2650.9648,"end":2651.285,"sentiment":"neutral","sentiment_score":0.07165113091468811},{"text":"Look.","start":2651.285,"end":2651.525,"sentiment":"neutral","sentiment_score":0.05919734016060829},{"text":"If you could send me maybe just, like, some information on that trauma.","start":2651.525,"end":2657.385,"sentiment":"neutral","sentiment_score":0.039072348951147154}],"sentiment":"neutral","sentiment_score":0.03648549895733595,"num_words":40,"start":2622.01,"end":2657.385},{"sentences":[{"text":"But, yeah, I'm I'm pretty I'm curious to know, like, you know, what it covers first, you know, stuff and that cost 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too.","start":2748.227,"end":2748.867,"sentiment":"positive","sentiment_score":0.5623070895671844},{"text":"See you.","start":2748.867,"end":2749.607,"sentiment":"positive","sentiment_score":0.5666572749614716},{"text":"Thanks.","start":2751.267,"end":2751.767,"sentiment":"neutral","sentiment_score":-0.10586942732334136}],"sentiment":"positive","sentiment_score":0.5158717648850547,"num_words":9,"start":2744.135,"end":2751.767}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Sean speaking.\n\nChannel 0: Hi, Sean. It's Jenna here phoning from Financial. How are you?\n\nChannel 1: Yeah. Good. Yourself?\n\nChannel 0: I'm well. Thanks. Sorry. It's because it's a new call, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Beautiful. And I'll just get you to confirm your full name, date of birth, and address again, please.\n\nChannel 1: Sean Christopher Brackston. Twenty fifty the first nineteen ninety and 638. Benchmark Road, Laurel Beachmark.\n\nChannel 0: Fantastic. Beautiful. Is now a good time for you?\n\nChannel 1: Yeah. Yeah. Be better.\n\nChannel 0: Yeah. Okay. Beautiful. Well, the purpose of the call is just to complete your annual review that's due.\n\nChannel 1: Yep.\n\nChannel 0: What I'd like to start, first of all, is to just review the information that we have on file for you to\n\nChannel 1: Yep.\n\nChannel 0: make sure that it is current and relevant, up to date, I guess.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So first of all, your, are you married or de facto?\n\nChannel 1: I just like to still engage.\n\nChannel 0: Yep. Beautiful. And still with Courtney Brown Fraser?\n\nChannel 1: Yep. Correct.\n\nChannel 0: Yep. Still just one child? Beautiful. And his name's Carter?\n\nChannel 1: Yep. Yes. It is.\n\nChannel 0: Yes. Fantastic. Alright. We've got Courtney down here as your next of kin, but we don't have a phone number for her. Would I be able to grab that\n\nChannel 1: Yeah. Sure.\n\nChannel 0: from\n\nChannel 1: 0403\n\nChannel 0: you?\n\nChannel 1: 46\n\nChannel 0: Yeah?\n\nChannel 1: 9\n\nChannel 0: Yep.\n\nChannel 1: 333.\n\nChannel 0: 333. Nice easy number.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. So moving on to your employment and income details, I have you here as a QA project engineer. Is that still correct?\n\nChannel 1: Yep. Do I hear it?\n\nChannel 0: Yep. Yep. And you still work at heights over 12\n\nChannel 1: Heights over 12 meters.\n\nChannel 0: meters? Yeah. Or hazardous materials of any kind?\n\nChannel 1: Hazardous, probably. Yeah. Electricity.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Not parts.\n\nChannel 0: Fair enough. We had a breakdown of office first field or on-site, whichever way you like to refer to it as a sixty forty breakdown. Do you think that's still correct?\n\nChannel 1: It's probably more like eighty twenty in the\n\nChannel 0: Yeah.\n\nChannel 1: office space in the field.\n\nChannel 0: Okay. No worries. And is your employer's name still Cross\n\nChannel 1: UTL.\n\nChannel 0: River Rail? UGL.\n\nChannel 1: Yeah. I'm working on the Cross River Rail project, but it's UGL, you know, that\n\nChannel 0: Okay.\n\nChannel 1: employs me. It's a bit\n\nChannel 0: Okay.\n\nChannel 1: of a weird setup. So I'm working for UGL for CPB on the Cross River Rail project.\n\nChannel 0: Yeah. Okay. That's alright. Whoever just play pays you super. So would that be\n\nChannel 1: Yeah.\n\nChannel 0: UGL?\n\nChannel 1: UGL.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Fantastic. And how long have you been in with UGL for?\n\nChannel 1: Two years on the October 9.\n\nChannel 0: Okay. Are you still full time and thirty eight hours a week?\n\nChannel 1: Yep.\n\nChannel 0: Yep. And we have your income down at a 165,000.\n\nChannel 1: I\n\nChannel 0: Is that right?\n\nChannel 1: think it's 170,000 now.\n\nChannel 0: Yep. Is that plus\n\nChannel 1: Not sure.\n\nChannel 0: super?\n\nChannel 1: Is\n\nChannel 0: Yeah. Do you know how much\n\nChannel 1: that\n\nChannel 0: you clear a week roughly? Is\n\nChannel 1: a\n\nChannel 0: it\n\nChannel 1: month I could\n\nChannel 0: fair?\n\nChannel 1: tell you?\n\nChannel 0: Yeah. Yeah. Okay.\n\nChannel 1: So I think it's well, let me just double check this. I'm not telling you some completely random figures. 8,885\n\nChannel 0: That's\n\nChannel 1: 51.\n\nChannel 0: $885.51. Now is that after tax or before tax?\n\nChannel 1: That's after tax. That's\n\nChannel 0: Okay.\n\nChannel 1: in my bank.\n\nChannel 0: Beautiful. I can work that backwards after. That's fine. We have your expenditure here as $900 a week. Would that be correct?\n\nChannel 1: Yeah. Probably pretty accurate.\n\nChannel 0: Yeah. Does that include mortgage repayment?\n\nChannel 1: No. That's probably\n\nChannel 0: No.\n\nChannel 1: that's out of mortgage genius. But\n\nChannel 0: What\n\nChannel 1: I'd love it\n\nChannel 0: do\n\nChannel 1: if it\n\nChannel 0: you\n\nChannel 1: was $900 a week including mortgage.\n\nChannel 0: I know. Right? It'd be the dream, wouldn't it? No.\n\nChannel 1: I don't know if there's\n\nChannel 0: No,\n\nChannel 1: anyone in Australia at\n\nChannel 0: unfortunately.\n\nChannel 1: the moment who would be paying that.\n\nChannel 0: What is your mortgage unfortunately. What is your mortgage repayment with the whatever frequency you pay it?\n\nChannel 1: So I think it's about do you need it exactly or just roughly?\n\nChannel 0: No. Round figures is fine. Yeah. Roughly.\n\nChannel 1: It's about $4,140 or something like that.\n\nChannel 0: A month?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. And you is that just a minimum, or do you pay\n\nChannel 1: No. That's the\n\nChannel 0: extra?\n\nChannel 1: minimum.\n\nChannel 0: Beautiful. We have your savings per week down at $250. Is that still correct?\n\nChannel 1: How much? Sorry.\n\nChannel 0: $250 a week, You're saving?\n\nChannel 1: Yeah. Look. Sort of ebbs and flows. Like, I usually\n\nChannel 0: Yes.\n\nChannel 1: wanna get paid sort of like I'm putting somewhere between 1,500 and and $2, but, yeah, I do pull back out. So let's\n\nChannel 0: Yeah.\n\nChannel 1: say, yeah, somewhere in that, like, $2.50 to 500.\n\nChannel 0: Okay. And do you have the balance of your savings account?\n\nChannel 1: Yeah. It's probably probably about 8.5 at the moment.\n\nChannel 0: Yep. Beautiful. And you just use that as, like, an emergency fund as well or something like that?\n\nChannel 1: Yeah. Well, I've kinda just put aside, like, $5. It's just like a but\n\nChannel 0: Yep. Fair enough.\n\nChannel 1: yeah. Like, since I got a good tax return, so\n\nChannel 0: Yep.\n\nChannel 1: let's\n\nChannel 0: Beautiful.\n\nChannel 1: sort of put that up.\n\nChannel 0: Beautiful. Fantastic. Any other assets or liabilities that you can think of?\n\nChannel 1: Yeah. There's probably a few.\n\nChannel 0: Yep.\n\nChannel 1: So oh, you'd have the car already.\n\nChannel 0: I don't actually have it written I don't have it recorded. What's that valued at?\n\nChannel 1: Well, there's two.\n\nChannel 0: Okay. Yep.\n\nChannel 1: So I've got a missing Skyline, and that's probably, like, $15.60.\n\nChannel 0: Yep. Okay. Any debt attached\n\nChannel 1: No.\n\nChannel 0: to it? No. Okay. Yep.\n\nChannel 1: And then I got the d max. I don't know. Probably 30\n\nChannel 0: Yep. Okay. Beautiful.\n\nChannel 1: grand. And then we got the Courtney and I bought a caravan as well last year, something like that.\n\nChannel 0: Okay. And how much would that be worth?\n\nChannel 1: 48 to 50,\n\nChannel 0: Audience.\n\nChannel 1: something like that.\n\nChannel 0: Yeah. Okay. Any debt on the D Max or the caravan?\n\nChannel 1: No. No.\n\nChannel 0: No? Beautiful. Any other assets you can think of or\n\nChannel 1: Nothing\n\nChannel 0: debt?\n\nChannel 1: major.\n\nChannel 0: No? Okay. Now we have your mortgage as about 673,000 outstanding. Would that be right?\n\nChannel 1: I'll just double check. 662,000. Was 662,500.\n\nChannel 0: Okay. Beautiful. Thank you. Alright. Now\n\nChannel 1: And then\n\nChannel 0: moving\n\nChannel 1: there's a\n\nChannel 0: on to\n\nChannel 1: there's a personal\n\nChannel 0: yep.\n\nChannel 1: loan there as well, probably\n\nChannel 0: Okay.\n\nChannel 1: around 40,000.\n\nChannel 0: Okay. Alright. Beautiful. Now I have a couple of financial questions I need to ask. Have you ever been declared bankrupt?\n\nChannel 1: No.\n\nChannel 0: Not ever had a debt agreement of any\n\nChannel 1: No.\n\nChannel 0: kind? Nope. Cute. Alright. Now from a health and lifestyle perspective, are you a smoker?\n\nChannel 1: No.\n\nChannel 0: No. Have you ever been a smoker in the\n\nChannel 1: Yeah. Previously.\n\nChannel 0: past? Was it within the last twelve months?\n\nChannel 1: No.\n\nChannel 0: No. Okay. Do\n\nChannel 1: Mhmm.\n\nChannel 0: you have any significant health issues or injuries?\n\nChannel 1: No. Not really. I just suffer from acid reflux. So I got a a hadal hernia that I take pan toppers on daily for. Other than that, do you fit in healthy?\n\nChannel 0: Okay.\n\nChannel 1: Well, if it's debatable, though.\n\nChannel 0: And so the acid reflux is a result of your hernia.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Yeah. Where did you say the hernia was again? Sorry.\n\nChannel 1: It's like a basically, in my stomach.\n\nChannel 0: Yeah. Yep. Okay. And you take medication for that? Do you what type?\n\nChannel 1: So pantoprazole. Think it's a forty milligram one.\n\nChannel 0: Alright. And do you have private health\n\nChannel 1: No. I've looked\n\nChannel 0: insurance?\n\nChannel 1: into it a couple times, but no.\n\nChannel 0: Yep. Okay. And I have your height and weight down here as a hundred and seventy five centimeters and eighty kilos. Would that still be correct?\n\nChannel 1: Well, I haven't been eighty kilos for a while. I'd say probably probably about eighty seven to ninety would be more accurate.\n\nChannel 0: Eighty seven,\n\nChannel 1: Yeah.\n\nChannel 0: did you say? Yep. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Okay. And then from an estate planning perspective, do you have a will or power of attorney in place?\n\nChannel 1: No. I don't think so.\n\nChannel 0: No. Okay. Alright. I'm gonna jump back up to your goals and objectives that you we have on file from the last time that we met or had your\n\nChannel 1: Yep.\n\nChannel 0: review.\n\nChannel 1: Mhmm.\n\nChannel 0: Basically, one of them was to pay off as debt as possible and career progression to earn more money. Are they still relevant?\n\nChannel 1: Yeah. Look, I mean, they're paying off as much debt as possible.\n\nChannel 0: Yep.\n\nChannel 1: I suppose that's just going week by week, really.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, I don't know. The the progression thing sort of not\n\nChannel 0: Yeah.\n\nChannel 1: really as much of a priority anymore.\n\nChannel 0: Okay. So is there a certain time frame that you ideally want your mortgage repaid down in or your personal loan repaid down in?\n\nChannel 1: Look.\n\nChannel 0: Did\n\nChannel 1: The\n\nChannel 0: you\n\nChannel 1: personal\n\nChannel 0: want\n\nChannel 1: loan, I want done in the next three to five years.\n\nChannel 0: yeah.\n\nChannel 1: And then yeah. Mortgage as soon as possible would be nice.\n\nChannel 0: Are you with the personal loan, are you making additional repayments, or is that just the time frame?\n\nChannel 1: That's just the time frame at the moment. So I have have sort of considered that. But yeah. It's just with everything else that sort of\n\nChannel 0: Yep.\n\nChannel 1: goes on that, you know, sort of good intentions and then yeah.\n\nChannel 0: Yeah. Did you want any advice to look at paying down those clicker for the amounts you'd need to do in those that period of time, or you're hap or are you happy to manage that yourself?\n\nChannel 1: Oh, look. If she is yeah. If she could have a look and and let me know, that'll be good.\n\nChannel 0: Yeah. I'd need a little bit of details from you for it, if that's okay.\n\nChannel 1: So yeah. That's\n\nChannel 0: With the\n\nChannel 1: fine.\n\nChannel 0: per personal loan, do you know the time frame that's left on the loan itself? Is it was it originally seven years and it's down\n\nChannel 1: Okay. Let's have a\n\nChannel 0: to\n\nChannel 1: look here and see if it'll tell me. I don't know if it tells me that.\n\nChannel 0: I'm just trying to think. What bank are you with?\n\nChannel 1: Great. That\n\nChannel 0: Yeah.\n\nChannel 1: and the\n\nChannel 0: Yeah. I'm not sure.\n\nChannel 1: and the\n\nChannel 0: Do you have a statement or\n\nChannel 1: homeless.\n\nChannel 0: anything like\n\nChannel 1: A what? Sorry.\n\nChannel 0: that? A statement? Can you click on in your banking app and see if there's a statement anywhere?\n\nChannel 1: Yeah. I might be able to. Sorry.\n\nChannel 0: No. You're absolutely fine. Take your time.\n\nChannel 1: Just trying to figure out where to get the statements in this banking app.\n\nChannel 0: They don't make it easy to find information these days.\n\nChannel 1: Right. Right. Important information. Not nothing there. I wanna know if it's one of those things where you can then get the statement to log in through the browser.\n\nChannel 0: Potentially, what what I could do is I could email you post the meeting, if you like, of a list of the items we need for me to\n\nChannel 1: Yep.\n\nChannel 0: be able to look at that for you.\n\nChannel 1: Yeah. Because I can give you, like, repayment or amount, the interest, and\n\nChannel 0: Yep.\n\nChannel 1: what's and the balance, but, yeah, I can't send you the\n\nChannel 0: Yep.\n\nChannel 1: fund statement.\n\nChannel 0: No. That's okay. Do you know what well, if you've got act I might be able to work backwards. Do you have the interest\n\nChannel 1: Yeah. So it is nine point\n\nChannel 0: rate?\n\nChannel 1: four\n\nChannel 0: Okay.\n\nChannel 1: nine\n\nChannel 0: And the outstanding balance you gave me,\n\nChannel 1: percent.\n\nChannel 0: that's correct. 40,000?\n\nChannel 1: $41,698 and 30\n\nChannel 0: Okay. And in a\n\nChannel 1: five\n\nChannel 0: perfect world, how\n\nChannel 1: cents.\n\nChannel 0: what time frame would you you said three to five years. Is it more closer to\n\nChannel 1: Probably\n\nChannel 0: three years or\n\nChannel 1: yeah.\n\nChannel 0: five years?\n\nChannel 1: Yeah. Probably three.\n\nChannel 0: Yep. Yep. I can give both options anyway.\n\nChannel 1: Yep.\n\nChannel 0: Trim five. With your home loan, what's your interest rate on that?\n\nChannel 1: It changes. 6.24%.\n\nChannel 0: 6.24%. Alright. And in an ideal world,\n\nChannel 1: Wow.\n\nChannel 0: would you like that paid off in ten years, fifteen years? What do you or by a certain age? Because what we can do is we can actually see if your cash flow supports it, number one, and then devise a plan if you like to see how we can do that and how how much interest potentially you can save.\n\nChannel 1: Yeah. Look. I mean, I suppose it's one of those things. Right? Like, it just sort of depends on your figures.\n\nI mean, like, I'd love to say 10 to 15, but I mean, probably your ideal,\n\nChannel 0: Yep.\n\nChannel 1: even a 20 would be maybe a little bit more, I don't know,\n\nChannel 0: Yep.\n\nChannel 1: realistic, I guess.\n\nChannel 0: That's okay. What we'll do is we'll have a look at the figures anyway,\n\nChannel 1: Yep.\n\nChannel 0: but that gives me a guide to at least work with.\n\nChannel 1: If you could if if you could give back sort of, you know, this\n\nChannel 0: The\n\nChannel 1: is\n\nChannel 0: three\n\nChannel 1: what\n\nChannel 0: options.\n\nChannel 1: you'd have to do from everywhere from, like, 15 to, like,\n\nChannel 0: Yep.\n\nChannel 1: even would\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: just be good.\n\nChannel 0: Yep. I can do that. Because I note that one of your goals also is being debt free in retirement, which is a big one for everyone. So that's\n\nChannel 1: Yeah.\n\nChannel 0: working towards that. Speaking\n\nChannel 1: I think that's probably\n\nChannel 0: of\n\nChannel 1: really like a\n\nChannel 0: retire\n\nChannel 1: necessity.\n\nChannel 0: exactly. Yeah. Yep. Speaking of retirement, what would be your ideal retirement age? What are you aiming towards?\n\nMe too.\n\nChannel 1: Yeah. I've been off sick, and I must say I was not going to\n\nChannel 0: Oh,\n\nChannel 1: work. No. Probably, I don't know, 65 would be nice.\n\nChannel 0: Yep.\n\nChannel 1: Still get a\n\nChannel 0: And\n\nChannel 1: couple\n\nChannel 0: then\n\nChannel 1: of years to play golf and\n\nChannel 0: yeah.\n\nChannel 1: go traveling.\n\nChannel 0: Yeah. Alright. And if you were to retire at 65 debt free, how much\n\nChannel 1: Yeah.\n\nChannel 0: do you think you and Renee it's Renee, isn't it?\n\nChannel 1: Courtney.\n\nChannel 0: No. Courtney. Sorry. I was looking at a different screen. Courtney\n\nChannel 1: Yeah.\n\nChannel 0: would\n\nChannel 1: Lucky\n\nChannel 0: need\n\nChannel 1: you're not on speaker or else I would have been in trouble then.\n\nChannel 0: Sorry. My apologies. That's the problem with having three screens. You've got too many to look at.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So in retirement, what would be an the an appropriate level of income that you would need per week or per fortnight in today's dollars?\n\nChannel 1: Yeah. Look. I mean, fuck. I don't know. It's hard to really think of, I suppose, because, like, you sort of look at a figure now, but then you think, like, come retirement, you know, that Carter will be\n\nChannel 0: Yes.\n\nChannel 1: hopefully\n\nChannel 0: Yeah.\n\nChannel 1: looking after himself.\n\nChannel 0: Yeah. Yeah. Right.\n\nChannel 1: So, you know, like, I don't know. Like, I think, like, between the two of us, it sort of need, like, a minimum of, like, a thousand dollars a week, I reckon, stuff like that.\n\nChannel 0: Yeah. Yep. Do you think that would cover holidays or and you go, or you'd need a bit more?\n\nChannel 1: Well, look, probably not holidays. Yeah.\n\nChannel 0: No.\n\nChannel 1: Let's say yeah. You probably did a little bit more, so two holidays. And depending on what you're doing, like, you know, that was the point\n\nChannel 0: Yes.\n\nChannel 1: of us buying the caravan to just sort of do,\n\nChannel 0: Yes.\n\nChannel 1: like, cheaper trips. But I mean, even then, the cost of hip camps and, like, just camping\n\nChannel 0: Mhmm.\n\nChannel 1: in general with the cost of fuel has sort of gone up as well.\n\nChannel 0: This is\n\nChannel 1: So,\n\nChannel 0: very expensive, isn't it? Okay. Well, that that gives me something to model too. And,\n\nChannel 1: yeah.\n\nChannel 0: like, even though retirement's so far out and we think, gosh, we've got so much time, it gives me some goals to look at of what we need to do.\n\nChannel 1: Yeah.\n\nChannel 0: Pre\n\nChannel 1: Is that\n\nChannel 0: retirement,\n\nChannel 1: sort of in line with what everyone else sort of? Like, what's\n\nChannel 0: pretty\n\nChannel 1: generally\n\nChannel 0: much, to be honest\n\nChannel 1: yeah.\n\nChannel 0: with you. Yeah. And we base it in today's dollars because, you know, today's a thousand dollars could be worth, you know, $2,500 in, you know, thirty years' time.\n\nChannel 1: Yeah.\n\nChannel 0: So that's why we're saying today's dollars just to allow for the inflation. You know, the cost the rise rise continuous ever never ending cost of living\n\nChannel 1: Yes.\n\nChannel 0: rising.\n\nChannel 1: Seems that way at the\n\nChannel 0: So,\n\nChannel 1: moment.\n\nChannel 0: yeah, that's pretty standard, to be honest with you. As long as you're debt free, you know, you'd have additional holidays, you'd probably need a little bit more, which is always that like, as we get closer to our time that we can allow for, that's\n\nChannel 1: Yep.\n\nChannel 0: easy. But it's just something to work towards to know how to structure the things that we need to structure.\n\nChannel 1: Yep.\n\nChannel 0: The next goal was about your superannuation. You just like continuous growth, ensure that there's enough to support your family in retirement, have active management with a proactive approach to in Is that still current?\n\nChannel 1: Yeah. Yeah. I'd say so. Yeah. I've actually\n\nChannel 0: Yep.\n\nChannel 1: been pretty happy with, you know, how you guys sort of set that up and and how to tell them, really.\n\nChannel 0: Alright. That's great. Good to hear. Beautiful. Well, we'll chat about that a little bit more shortly in relation to the actual portfolio itself.\n\nChannel 1: Yep.\n\nChannel 0: But the last thing is your own well, not the last thing. The goal that you had noted was you just wanna you wanna be covered insurance wise to protect your family. Still appropriate?\n\nChannel 1: Yep. Yes. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Look, I mean,\n\nChannel 0: Yep.\n\nChannel 1: if anything sorta happened to me, I really would sorta want them to be in a position where they don't really have to worry about anything.\n\nChannel 0: Yeah. So that probably leads into the next thing from me is raising the the lack of estate planning, being your wills and power of attorney.\n\nChannel 1: Yeah.\n\nChannel 0: If any I always use yesterday as an example because we know that it did not happen. But if something was to happen to you yesterday, if you were to die without a will, that leaves Courtney in a pretty bad situation along with Carter as, basically, the the the public trustees get involved to sort out who is a true beneficiary\n\nChannel 1: Yep.\n\nChannel 0: automatically that everything would just transfer to Courtney. The house may, depending on how it's structured, whether it's joint tenants or tenants in common.\n\nChannel 1: Yep.\n\nChannel 0: But but separate bank accounts, superannuation has to have specific beneficiaries noted for it to automatically go to Courtney, which we'll make sure is in place. But\n\nChannel 1: I\n\nChannel 0: all\n\nChannel 1: think\n\nChannel 0: other\n\nChannel 1: I think\n\nChannel 0: assets\n\nChannel 1: I have already set that up. So in terms\n\nChannel 0: yes.\n\nChannel 1: of, like, the super Courtney and Carter beneficiaries on that. But, yeah, in\n\nChannel 0: Yep.\n\nChannel 1: terms of, like, everything else, then I'm real\n\nChannel 0: Yep.\n\nChannel 1: yep.\n\nChannel 0: Yeah. So bank accounts and vice versa as well with Courtney. Important for her to have it in place also because if anything happens to her, you may you may also need access to her superannuation and her stuff. So they're pretty important documents to have in place.\n\nChannel 1: Yep.\n\nChannel 0: We do have a professional partner that we work with that arranges them or works with our clients to put them in place, I guess. Really quite reasonably priced, but, like, based on my experience and some of them I've seen.\n\nChannel 1: Yep.\n\nChannel 0: So we have a brochure that we can email you that gives you the cost. Do you want me to email that to you just for you and Courtney to have a look at?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah. Okay. Beautiful. And with your review frequency, are you happy to do that annually, or would you like it more frequent?\n\nChannel 1: Look. I mean, I'm I'm open. Like, whatever you guys sort of reckon, you know, and, like, if you don't\n\nChannel 0: Mm-mm.\n\nChannel 1: think it's really beneficial to do every six months, then I'm sort\n\nChannel 0: It's\n\nChannel 1: of in\n\nChannel 0: it's totally it's totally up to you.\n\nChannel 1: this year.\n\nChannel 0: You're not limited in the amount of so you so even if you are on an annual review cycle, say, for example, something comes up in three or four or six, nine months time that you wanna have a chat about or you're concerned about or you need some additional advice on, you just give\n\nChannel 1: Yep.\n\nChannel 0: us a call. You're not limited to the\n\nChannel 1: Yep.\n\nChannel 0: one time per year. We meet with clients as regularly as they need.\n\nChannel 1: Yeah. Okay. Yeah. I mean, look, I think really, like all the stuff we're talking about for the long term planning, and I don't really think that enough really happens in six months to sort of work, you know, reviewing it every six months. And like you said, if\n\nChannel 0: Need.\n\nChannel 1: if something does change or whatever, then I can call up and do it, then that's\n\nChannel 0: One\n\nChannel 1: fine.\n\nChannel 0: 100%. Yeah. Yep. 100%. Alright.\n\nI'm gonna jump over to one last one last question. With your risk profile, so that's how we invest your funds, you're currently as a growth investor. Estranged\n\nChannel 1: Mhmm.\n\nChannel 0: shares, property estranged shares, property, and some alternative growth options with the remaining 20%\n\nChannel 1: Okay.\n\nChannel 0: being invested in fixed interest and cash. There's a recommended minimum time frame of years to be able to withstand and hold any market volatility and fluctuations with the expectation of roughly one in every five years being a negative year. So that's the risk profile that you're currently in at the moment. And we can talk more about that, but I just wanted to probably set the scene for that to as we go into your actual review documents so we can talk about that a little bit more.\n\nChannel 1: Yep.\n\nChannel 0: So do you have access to your emails at all?\n\nChannel 1: Yeah. I do.\n\nChannel 0: Yep. Have you received an email from? Yep.\n\nChannel 1: Yes.\n\nChannel 0: That's me. So what that's got your review pack. So if you open that email and click on sign, I believe it brings up a review pack of documents. You don't you're not actually signing anything until we walk walk through everything or until you're absolutely comfortable. So when you've got that open,\n\nChannel 1: Yep.\n\nChannel 0: just let me\n\nChannel 1: Yep.\n\nChannel 0: know.\n\nChannel 1: Got an iPhone.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. So your front page is a brief overview of your summary of what you have in place at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: You can see your super balance is sitting at the $1,230.06 mark,\n\nChannel 1: Yep.\n\nChannel 0: and we've got your life and TPD insurance at 1.85, round it, million, and your income protection at $9,736 per month with a thirty day waiting period and a six year benefit period.\n\nChannel 1: Yep.\n\nChannel 0: The premiums of that is $2,572.51 per annum, and that's funded\n\nChannel 1: Mhmm.\n\nChannel 0: from your hub twenty four account.\n\nChannel 1: Yep.\n\nChannel 0: Those levels of cover, do you feel that they're still adequate? Do you want them reviewed? Are they still in line with your original goals and objectives as to why you took out those levels of cover?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I\n\nChannel 0: Yep.\n\nChannel 1: mean, yeah, it's kind of I suppose in terms of, like, the life and TPD and stuff, it is kind of hard to sort of picture. You know, like, I'd I guess originally when I sort of set it all up, I kinda just sort of had the goal of, like, if anything did happen to me, then, like, Courtney could just pay off the house and not have to worry about the house. And then, you know, there's money there to just sort of, yeah, not really have to\n\nChannel 0: Yes.\n\nChannel 1: worry,\n\nChannel 0: Yeah.\n\nChannel 1: like, I guess, for at least some period of time about, you know, work and and those sort of responsibilities. So I guess that leaves\n\nChannel 0: Yeah.\n\nChannel 1: sort of like, I guess, I mean, 1,200,000.\n\nChannel 0: Yeah.\n\nChannel 1: We're\n\nChannel 0: Yep.\n\nChannel 1: also left\n\nChannel 0: So\n\nChannel 1: over. So\n\nChannel 0: yep. So then we'd add your super balance onto to that amount. So, typically, that's how it's structured with young families, and it's pretty in line with what we see.\n\nChannel 1: Yep.\n\nChannel 0: The only type of insurance that's missing from a full risk protection portfolio is trauma insurance. Trauma insurance is a policy, an insurance policy that would cover you with a lump sum payment tax free if you're diagnosed with a certain medical event. Trauma policies, they have about between just over 40 defined events ranging from different types of cancer, heart attack, stroke, neurological diseases. And if you made a definition or a category, so depending, you know, cancer, there's different stages. And with heart attacks, there are different categories of them.\n\nIf you made\n\nChannel 1: Yep.\n\nChannel 0: it at the insured definition, then you would you would receive a lump sum payment. It's kind of a policy that sits between TPD and income protection being that you're not likely to be totally and permanently disabled initially depending on the the type of medical condition it is.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And your income protection, you may end up with maybe a couple of weeks being paid a benefit and then back at work. And you might decide that that's not something for you. So, typically, a good example of that would be, I don't know, if you suffered a heart attack, you know, you might have a of that would be, I don't know, if you suffered a heart attack, you'd probably have some stents put in, need to change your lifestyle, etcetera, all the things they say,\n\nChannel 1: Yep.\n\nChannel 0: and you might be back at work in five weeks, which means you get roughly a week of your income protection and you're back at work. But you might decide that you don't wanna go back to work and you you want a bit of a break to actually rec recoup, that's\n\nChannel 1: Yep.\n\nChannel 0: where a trauma policy would come into effect. So\n\nChannel 1: Okay. So\n\nChannel 0: it's it\n\nChannel 1: so really what that four week waiting period, it it's\n\nChannel 0: mhmm.\n\nChannel 1: sort of like doesn't get back paid. That's like that's\n\nChannel 0: It's like\n\nChannel 1: sort\n\nChannel 0: an\n\nChannel 1: of\n\nChannel 0: excess. Yeah. Think of it like an excess, like, you know, how you pay car excess.\n\nChannel 1: yeah.\n\nChannel 0: That's your income protection excess, basically, so you don't get paid for thirty days.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: Yep. That's the absolute minimum available, the thirty day. They used to have many, many years ago a fourteen day waiting period. It sort of became unaffordable because it pretty much can double the income it used to double the income protection premium. So,\n\nChannel 1: Yes.\n\nChannel 0: typically, everyone's on a thirty day. That's one of the most popular, I should say, but others select a sixty day or a ninety day waiting period also.\n\nChannel 1: Yeah.\n\nChannel 0: So I guess, yeah, in the in the meantime, some people take advantage of their sick leave and annual leave to cover\n\nChannel 1: Yeah.\n\nChannel 0: those\n\nChannel 1: Yep.\n\nChannel 0: those days,\n\nChannel 1: Mhmm.\n\nChannel 0: And then usually have to make up the difference between some savings until you get to that thirty day mark.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Makes sense.\n\nChannel 0: So that's what it and, yeah, so trauma is what I was explaining. I just needed I need to explain that because you do have a gap there. Whether you want advice on it or not is entirely up to you, but I just need to explain it to you to make sure that you can actually make an informed decision.\n\nChannel 1: Yeah. Look, I think I remember having this discussion when I was sort\n\nChannel 0: Yeah.\n\nChannel 1: of going through all that stuff in the right way.\n\nChannel 0: Yep. Alright. Perfect. That's absolutely fine. The next document over is your performance with hub twenty four, your performance report for the last twelve months.\n\nSo you will see\n\nChannel 1: Yep.\n\nChannel 0: yep. You'll see that very first one. You can't miss it. Banna Long Australian Equities. A negative return of 16.10%.\n\nChannel 1: Yep.\n\nChannel 0: What we're doing is we're looking at replacing that well, not looking at replacing. We're investigating with all of our clients an alternative if it's you know, suits their goals and objectives to look at replacing. The reason\n\nChannel 1: Mhmm.\n\nChannel 0: being is that the Benelung Australian Equities Fund has underperformed due to their investment mandate. It's not in relation to the Australian share market as a whole. So Bennelong will their investment mandate is to identify what they believe is underperforming assets in the Australian share market for growth opportunities. Unfortunately, it's been the banks and the big the big the big banks and financial institutions that have performed in the last twelve or so months. And we wouldn't we don't rush to replace the funds or an investment option just due to underperformance, but this has been about twelve months or so of underperformance.\n\nSo this is why we're looking at it now.\n\nChannel 1: Okay.\n\nChannel 0: So if you're comfortable with that, I would like to investigate looking at replacing that.\n\nChannel 1: Yep. Yeah. This one.\n\nChannel 0: Yep. Beautiful. And then the next one down in that you'll see is the beta bank hybrid ETF.\n\nChannel 1: Mhmm.\n\nChannel 0: Hasn't performed badly, hasn't, you know, income wise, but and it forms part of that defensive part of your portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: so the 20% of your defensive assets. The the Australian banking system's changing. And from\n\nChannel 1: Okay.\n\nChannel 0: January 2027, the banks are phasing out the hybrids as an investment option. So, basically, what I'm doing with the clients that I'm working with is that I wanna take a little bit more of a proactive approach. I don't know what the banks are gonna offer as replacement in January 2027. I'd just like to look at other options out there to see if there is an alternative\n\nChannel 1: Mhmm.\n\nChannel 0: that we can that we don't have to wait and see kind\n\nChannel 1: Yeah.\n\nChannel 0: of thing.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: That's\n\nChannel 0: if\n\nChannel 1: fine.\n\nChannel 0: you're happy with me doing that, I'd like to do that also.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Beautiful. The rest of your portfolio, you know, it's great. It's got a few satellite options. So they're ones that we we call them satellite because they float around your big investment options being, you know, Australian share market, The US international share market. So you've got your satellite, so your global cyber, your global battery tech and lithium.\n\nYou've got some physical gold in there and also some property, which has had some poor performance in the last couple of weeks. So that's not an ongoing that's not something that's been occurring for the last twelve months. That's only just recently.\n\nChannel 1: Yep.\n\nChannel 0: That that the property ETF has had a bit of a turnaround, but it's not a systemic issue that we're concerned about at the moment.\n\nChannel 1: Yep.\n\nChannel 0: So, overall, pretty happy with the portfolio besides those two options that we wanna look at alternatives.\n\nChannel 1: Okay.\n\nChannel 0: The next document is called a Vanguard index chart. This is just a visual tool for yourself. We share it with our clients. So, a visual tool for yourself. We share it with our clients.\n\nSo you'll recall before I I spoke of the 80% to growth assets and 20 to the defensive. The top four on the right hand side, US shares, Australian international, and Australian listed property. They're your growth assets, and you can see from that the volatility and market movement they experience over the long term.\n\nChannel 1: Yep.\n\nChannel 0: The bottom two, Australian bonds and cash, ignore CPI because that's not part of your portfolio. But they're your defensive assets. So you'll see that over time, they do have a little bit of growth, but they're more income producing than anything.\n\nChannel 1: Yep.\n\nChannel 0: So when we look at your superannuation fund, we look at how long you've got to access it. So at the moment, based on current legislation, age 60 is your preservation age. So you still have twenty four plus year twenty four odd years before you can actually access your super. So that\n\nChannel 1: Yep.\n\nChannel 0: tells us that you being a minimum of six years as an investment time frame is that you can handle and withstand the ebbs and flows of the share market as long as you're comfortable with that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Beautiful. The next document over is your certificate of currency with one pass. Again, it's just reiterating what was on the front page.\n\nYour son's insured for your cover and what it costs.\n\nChannel 1: Mhmm.\n\nChannel 0: The next document is an extremely exciting one. It is our financial services guide. Basically, all that that's that's a legal doc a legal requirement for us to provide to our clients, and it explains who we are, who our licensee\n\nChannel 1: Bye bye.\n\nChannel 0: is, more most importantly, that we are licensed with ASIC, the type of advice we provide and how we provide fees, and if you if there's something you're unhappy with, how to make a complaint. So that document, if you don't keep this invest this review pack, is always available on our website as well.\n\nChannel 1: Good.\n\nChannel 0: The next document is the annual fee document. So this is the client and, you know, engaging it with us in our the services we provide, The estimated fee will be $2,084.32 per annum. So what is done with that, it's divided by 12 and then deducted from the fund monthly. So you're looking at a $173.69 per month.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Any questions about that? No? Okay. And then the last document there is your it says option to provide a tax file number, but it's confirmation that you are aware and you're comfortable with us holding your tax file number.\n\nWe had it from establishing super funds and with Hub and from privacy perspective, we get the clients to sign off to say you that you're comfortable for us to still hold that for you on your behalf.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So from that's the documents that you have. So those last two do require your electronic signature if you're when if you wanna review them and when you're comfortable to sign them. What my action items post this meeting is is to review those investment options, have a look at debt repayment for you, and how that can be structured to try and reduce that for you. And what I might also do when I send you through the estate planning document for you to have a look at for the referral the ref not the referral, the professional partner for you and Courtney to have a have a look at.\n\nI might send you a spreadsheet with your cash with a cash flow. So if you can give me a kind of overview of the full household income and expenses, I can then work that in with the the repayment of debt to see if you like, if you're happy to do that, or if you just want me to give you the figures to repay the debts in three to five years and then the home loan ten, fifteen, or twenty years, I can do that as well. It's entirely up to you.\n\nChannel 1: Yeah. Would you be able to just let me know what you need?\n\nChannel 0: Yep. I get so we'll I'll send you through a spreadsheet, and you just simply pop it pop in the details, and you can send it back to me.\n\nChannel 1: Okay. Yeah. Yeah. Good.\n\nChannel 0: Yep. Beautiful. Alright. Do you have any questions for me?\n\nChannel 1: No. Look. Like yeah. Like I said, I'm I've been pretty happy with like, I think, yeah, initially, especially with the amount of sort of, like, you know, scams and stuff that go on us a little bit sort of hesitant because\n\nChannel 0: Mhmm.\n\nChannel 1: I think you guys sort of called me out of the blue a few years prior. But,\n\nChannel 0: Oh, okay.\n\nChannel 1: yeah, I've been really happy with the service and, like, where my super is going and, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: So I don't really\n\nChannel 0: Oh,\n\nChannel 1: have any\n\nChannel 0: that's\n\nChannel 1: conscience.\n\nChannel 0: oh, that's good. That's good. Well, if at any point in time you do have some questions, please feel free to reach out. Otherwise,\n\nChannel 1: Yep. And\n\nChannel 0: you'll\n\nChannel 1: then\n\nChannel 0: you'll\n\nChannel 1: just just to confirm, so would you did you say you were gonna send me some information on the trauma cover thing?\n\nChannel 0: yep. Yep. Not the trauma unless you want me to. I can send you some information on the trauma insurance, but I was gonna send you information on the estate planning, your wills, and power of attorney.\n\nChannel 1: Yep.\n\nChannel 0: And I was gonna send send you a spreadsheet on to feel for your cash flow, your household cash flow, because that can help payment quicker.\n\nChannel 1: Yeah. Look.\n\nChannel 0: I\n\nChannel 1: If you\n\nChannel 0: can\n\nChannel 1: could send me maybe just, like, some information on that trauma. But,\n\nChannel 0: yep.\n\nChannel 1: yeah, I'm\n\nChannel 0: I can do\n\nChannel 1: I'm\n\nChannel 0: that.\n\nChannel 1: pretty I'm curious to know, like, you know, what it covers first, you know,\n\nChannel 0: Yeah. Yep.\n\nChannel 1: stuff\n\nChannel 0: What I can\n\nChannel 1: and\n\nChannel 0: do is I'll send you the\n\nChannel 1: that\n\nChannel 0: general\n\nChannel 1: cost you.\n\nChannel 0: information. Yeah. I'll send\n\nChannel 1: Yep.\n\nChannel 0: you the general information of what a trauma policy is, and you're with one path. So what I'll do in that is I will provide a link or I'll provide a snip, an image from the PDF showing what type of conditions are covered, and you can have a look at those as well. I'll provide one pass. I mean, there's many other insurance companies out there that do this type of cover, but I'll provide one pass because that's who you're currently with just for a general information piece for yourself. So I'll send those out to you.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Alright. So what I also probably about in two weeks' time, you'll hear from me or one of my colleagues just to book in another time to go through the changes that we're gonna look at for those insurance options and those and just prevent present that advice to you. It could be a little bit longer just depending on how long it takes for you to come back to me with that cash flow spreadsheet because I'll\n\nChannel 1: Yeah.\n\nChannel 0: incorporate that all in the same document. So once you get that cash flow back to me, I'll be able to get working on it. Alright. Beautiful. Too easy.\n\nWell, thanks for your time,\n\nChannel 1: No worries.\n\nChannel 0: Sean. I\n\nChannel 1: Thank\n\nChannel 0: appreciate\n\nChannel 1: you.\n\nChannel 0: it. And I hope you have a wonderful afternoon.\n\nChannel 1: You too. See you.\n\nChannel 0: Okay. Bye.\n\nChannel 1: Thanks.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.8399999,"end":2.24,"sentiment":"neutral","sentiment_score":0.02252122201025486},{"text":"Sean speaking.","start":2.24,"end":3.06,"sentiment":"neutral","sentiment_score":0.01585344225168228}],"sentiment":"neutral","sentiment_score":0.018076035504539806,"channel":1,"num_words":3,"start":1.8399999,"end":3.06},{"sentences":[{"text":"Hi, Sean.","start":3.6,"end":4.16,"sentiment":"neutral","sentiment_score":0.07874109596014023},{"text":"It's Jenna here phoning from Financial.","start":4.16,"end":6.1,"sentiment":"neutral","sentiment_score":0.08980042984088261},{"text":"How are you?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.11237673213084538}],"sentiment":"neutral","sentiment_score":0.09394681521437385,"channel":0,"num_words":11,"start":3.6,"end":7.3799996},{"sentences":[{"text":"Yeah.","start":7.68,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.24905268847942352},{"text":"Good.","start":7.9199996,"end":8.24,"sentiment":"positive","sentiment_score":0.4710739552974701},{"text":"Yourself?","start":8.24,"end":8.74,"sentiment":"neutral","sentiment_score":0.3123767077922821}],"sentiment":"positive","sentiment_score":0.3441677838563919,"channel":1,"num_words":3,"start":7.68,"end":8.74},{"sentences":[{"text":"I'm well.","start":9.28,"end":10.0,"sentiment":"positive","sentiment_score":0.416532501578331},{"text":"Thanks.","start":10.0,"end":10.5,"sentiment":"positive","sentiment_score":0.44261008501052856},{"text":"Sorry.","start":10.88,"end":11.2,"sentiment":"neutral","sentiment_score":-0.05047905072569847},{"text":"It's because it's a new call, I just need to let you know that our calls are recorded for quality and coaching purposes.","start":11.2,"end":16.605,"sentiment":"neutral","sentiment_score":-0.052534154251865715},{"text":"Is that okay?","start":16.605,"end":17.505001,"sentiment":"neutral","sentiment_score":0.009211900333563486}],"sentiment":"neutral","sentiment_score":0.001484873021642367,"channel":0,"num_words":30,"start":9.28,"end":17.505001},{"sentences":[{"text":"Yep.","start":17.885,"end":18.125,"sentiment":"neutral","sentiment_score":0.08960223197937012},{"text":"That's fine.","start":18.125,"end":18.945,"sentiment":"neutral","sentiment_score":0.27517106384038925}],"sentiment":"neutral","sentiment_score":0.21331478655338287,"channel":1,"num_words":3,"start":17.885,"end":18.945},{"sentences":[{"text":"Beautiful.","start":19.485,"end":19.985,"sentiment":"positive","sentiment_score":0.6081467866897583},{"text":"And I'll just get you to confirm your full name, date of birth, and address again, please.","start":20.205,"end":24.385,"sentiment":"neutral","sentiment_score":0.15207746712600484}],"sentiment":"neutral","sentiment_score":0.17741465154621336,"channel":0,"num_words":18,"start":19.485,"end":24.385},{"sentences":[{"text":"Sean Christopher Brackston.","start":25.165,"end":26.625,"sentiment":"neutral","sentiment_score":0.02252214091519515},{"text":"Twenty fifty the first nineteen ninety and 638.","start":26.845,"end":30.550001,"sentiment":"neutral","sentiment_score":0.02857341500930488},{"text":"Benchmark Road, Laurel Beachmark.","start":30.550001,"end":32.17,"sentiment":"neutral","sentiment_score":0.05764736607670784}],"sentiment":"neutral","sentiment_score":0.03511621380845706,"channel":1,"num_words":15,"start":25.165,"end":32.17},{"sentences":[{"text":"Fantastic.","start":33.43,"end":33.93,"sentiment":"positive","sentiment_score":0.6198201775550842},{"text":"Beautiful.","start":34.309998,"end":34.809998,"sentiment":"positive","sentiment_score":0.6393798589706421},{"text":"Is now a good time for you?","start":35.83,"end":37.53,"sentiment":"positive","sentiment_score":0.43608992440359934}],"sentiment":"positive","sentiment_score":0.47909216748343575,"channel":0,"num_words":9,"start":33.43,"end":37.53},{"sentences":[{"text":"Yeah.","start":37.91,"end":38.31,"sentiment":"neutral","sentiment_score":0.14903099834918976},{"text":"Yeah.","start":38.31,"end":38.71,"sentiment":"neutral","sentiment_score":0.1732276976108551},{"text":"Be better.","start":38.71,"end":39.37,"sentiment":"neutral","sentiment_score":0.1889580711722374}],"sentiment":"neutral","sentiment_score":0.1750437095761299,"channel":1,"num_words":4,"start":37.91,"end":39.37},{"sentences":[{"text":"Yeah.","start":39.03,"end":39.53,"sentiment":"neutral","sentiment_score":0.15824055671691897},{"text":"Okay.","start":39.75,"end":40.25,"sentiment":"neutral","sentiment_score":0.21287494897842407},{"text":"Beautiful.","start":40.309998,"end":40.809998,"sentiment":"positive","sentiment_score":0.37005460262298584},{"text":"Well, the purpose of the call is just to complete your annual review that's due.","start":42.555,"end":46.895,"sentiment":"neutral","sentiment_score":0.12044337689876557}],"sentiment":"neutral","sentiment_score":0.14154559787776735,"channel":0,"num_words":18,"start":39.03,"end":46.895},{"sentences":[{"text":"Yep.","start":48.045002,"end":48.545002,"sentiment":"neutral","sentiment_score":0.07750316709280014}],"sentiment":"neutral","sentiment_score":0.07750316709280014,"channel":1,"num_words":1,"start":48.045002,"end":48.545002},{"sentences":[{"text":"What I'd like to start, first of all, is to just review the information that we have on file for you to","start":49.515,"end":58.5,"sentiment":"neutral","sentiment_score":0.07796836356547746}],"sentiment":"neutral","sentiment_score":0.07796836356547746,"channel":0,"num_words":22,"start":49.515,"end":58.5},{"sentences":[{"text":"Yep.","start":58.46,"end":58.96,"sentiment":"neutral","sentiment_score":0.09660831093788148}],"sentiment":"neutral","sentiment_score":0.09660831093788148,"channel":1,"num_words":1,"start":58.46,"end":58.96},{"sentences":[{"text":"make sure that it is current and relevant, up to date, I guess.","start":58.5,"end":64.52,"sentiment":"neutral","sentiment_score":0.09060490704499759}],"sentiment":"neutral","sentiment_score":0.09060490704499759,"channel":0,"num_words":13,"start":58.5,"end":64.52},{"sentences":[{"text":"Yep.","start":64.7,"end":64.86,"sentiment":"neutral","sentiment_score":0.030713891610503197},{"text":"Yep.","start":64.86,"end":65.36,"sentiment":"neutral","sentiment_score":0.02132232114672661}],"sentiment":"neutral","sentiment_score":0.026018106378614902,"channel":1,"num_words":2,"start":64.7,"end":65.36},{"sentences":[{"text":"So first of all, your, are you married or de facto?","start":66.02,"end":74.775,"sentiment":"neutral","sentiment_score":0.0073596480387178335}],"sentiment":"neutral","sentiment_score":0.0073596480387178335,"channel":0,"num_words":11,"start":66.02,"end":74.775},{"sentences":[{"text":"I just like to still 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Carter?","start":88.33,"end":89.79,"sentiment":"neutral","sentiment_score":0.05196058191359043}],"sentiment":"neutral","sentiment_score":0.04494161643087864,"channel":0,"num_words":10,"start":83.715004,"end":89.79},{"sentences":[{"text":"Yep.","start":90.1,"end":90.42,"sentiment":"neutral","sentiment_score":0.0314982645213604},{"text":"Yes.","start":90.42,"end":90.82,"sentiment":"neutral","sentiment_score":0.06757043302059174},{"text":"It is.","start":90.82,"end":91.56,"sentiment":"neutral","sentiment_score":0.07807057350873947}],"sentiment":"neutral","sentiment_score":0.06380246113985777,"channel":1,"num_words":4,"start":90.1,"end":91.56},{"sentences":[{"text":"Yes.","start":91.37,"end":91.85,"sentiment":"neutral","sentiment_score":0.14202484488487244},{"text":"Fantastic.","start":91.85,"end":92.35,"sentiment":"positive","sentiment_score":0.36454394459724426},{"text":"Alright.","start":92.89,"end":93.39,"sentiment":"neutral","sentiment_score":0.12411044538021088},{"text":"We've got 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yourself.","start":2267.575,"end":2269.88,"sentiment":"neutral","sentiment_score":0.13989499459664026},{"text":"We share it with our clients.","start":2270.26,"end":2271.72,"sentiment":"neutral","sentiment_score":0.10648331791162491}],"sentiment":"neutral","sentiment_score":0.10430770676050867,"channel":0,"num_words":35,"start":2260.5251,"end":2271.72},{"sentences":[{"text":"So you'll recall before I I spoke of the 80% to growth assets and 20 to the defensive.","start":2271.8599,"end":2277.88,"sentiment":"neutral","sentiment_score":0.02408549717317025},{"text":"The top four on the right hand side, US shares, Australian international, and Australian listed property.","start":2278.98,"end":2284.515,"sentiment":"neutral","sentiment_score":0.07693527708761394},{"text":"They're your growth assets, and you can see from that the volatility and market movement they experience over the long 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complaint.","start":2383.675,"end":2400.065,"sentiment":"neutral","sentiment_score":0.059429399270032136},{"text":"So that document, if you don't keep this invest this review pack, is always available on our website as well.","start":2400.125,"end":2407.345,"sentiment":"neutral","sentiment_score":0.0895537504926324}],"sentiment":"neutral","sentiment_score":0.07038370880552314,"channel":0,"num_words":55,"start":2383.675,"end":2407.345},{"sentences":[{"text":"Good.","start":2408.02,"end":2408.52,"sentiment":"neutral","sentiment_score":0.26995396614074707}],"sentiment":"neutral","sentiment_score":0.26995396614074707,"channel":1,"num_words":1,"start":2408.02,"end":2408.52},{"sentences":[{"text":"The next document is the annual fee document.","start":2409.965,"end":2412.397,"sentiment":"neutral","sentiment_score":0.09246284049004316},{"text":"So this is the client and, you know, engaging it with us in our the services we provide, The estimated fee will be $2,084.32 per annum.","start":2412.397,"end":2435.285,"sentiment":"neutral","sentiment_score":0.07724003980939205},{"text":"So what is done with that, it's divided by 12 and then deducted from the fund monthly.","start":2435.4248,"end":2441.845,"sentiment":"neutral","sentiment_score":0.07125751959050403},{"text":"So you're looking at a $173.69 per month.","start":2441.9048,"end":2446.24,"sentiment":"neutral","sentiment_score":0.06512914039194584}],"sentiment":"neutral","sentiment_score":0.07593821551082498,"channel":0,"num_words":59,"start":2409.965,"end":2446.24},{"sentences":[{"text":"Yep.","start":2446.845,"end":2447.25,"sentiment":"neutral","sentiment_score":0.16382041573524475}],"sentiment":"neutral","sentiment_score":0.16382041573524475,"channel":1,"num_words":1,"start":2446.845,"end":2447.25},{"sentences":[{"text":"Yeah.","start":2448.46,"end":2448.96,"sentiment":"neutral","sentiment_score":0.0970890447497368},{"text":"Any questions about 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this meeting is is to review those investment options, have a look at debt repayment for you, and how that can be structured to try and reduce that for you.","start":2496.875,"end":2511.35,"sentiment":"neutral","sentiment_score":0.2508817195892334},{"text":"And what I might also do when I send you through the estate planning document for you to have a look at for the referral the ref not the referral, the professional partner for you and Courtney to have a have a look at.","start":2511.97,"end":2529.85,"sentiment":"neutral","sentiment_score":0.15060932358557527}],"sentiment":"neutral","sentiment_score":0.1699284916144929,"channel":0,"num_words":112,"start":2482.01,"end":2529.85},{"sentences":[{"text":"I might send you a spreadsheet with your cash with a cash flow.","start":2529.85,"end":2533.53,"sentiment":"neutral","sentiment_score":0.1826220670571694},{"text":"So if you can give me a kind of overview of the full household income and expenses, I can then work that in with the the repayment of debt to see if you like, if you're happy to do that, or if you just want me to give you the figures to repay the debts in three to five years and then the home loan ten, fifteen, or twenty years, I can do that as well.","start":2533.53,"end":2557.75,"sentiment":"neutral","sentiment_score":0.20275446468670116},{"text":"It's entirely up to you.","start":2557.75,"end":2559.45,"sentiment":"neutral","sentiment_score":0.253000283241272}],"sentiment":"neutral","sentiment_score":0.20264284685254097,"channel":0,"num_words":94,"start":2529.85,"end":2559.45},{"sentences":[{"text":"Yeah.","start":2560.75,"end":2561.07,"sentiment":"neutral","sentiment_score":0.2022775411605835},{"text":"Would you be able to just let me know what you 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just to confirm, so would you did you say you were gonna send me some information on the trauma cover thing?","start":2622.865,"end":2630.645,"sentiment":"neutral","sentiment_score":0.028885819271884182}],"sentiment":"neutral","sentiment_score":0.028885819271884182,"channel":1,"num_words":22,"start":2622.865,"end":2630.645},{"sentences":[{"text":"yep.","start":2630.965,"end":2631.285,"sentiment":"neutral","sentiment_score":0.015742994844913483},{"text":"Yep.","start":2631.285,"end":2631.365,"sentiment":"neutral","sentiment_score":0.046576932072639465},{"text":"Not the trauma unless you want me to.","start":2631.365,"end":2633.685,"sentiment":"neutral","sentiment_score":-0.05036010779440403},{"text":"I can send you some information on the trauma insurance, but I was gonna send you information on the estate planning, your wills, and power of 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and you're with one path.","start":2670.9302,"end":2675.5151,"sentiment":"neutral","sentiment_score":0.13181772232055664},{"text":"So what I'll do in that is I will provide a link or I'll provide a snip, an image from the PDF showing what type of conditions are covered, and you can have a look at those as well.","start":2675.5151,"end":2687.535,"sentiment":"neutral","sentiment_score":0.08532538647070909},{"text":"I'll provide one pass.","start":2687.81,"end":2689.33,"sentiment":"neutral","sentiment_score":0.06080607615876943},{"text":"I mean, there's many other insurance companies out there that do this type of cover, but I'll provide one pass because that's who you're currently with just for a general information piece for yourself.","start":2689.33,"end":2698.31,"sentiment":"neutral","sentiment_score":0.07420131575097055},{"text":"So I'll send those out to 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I hope you have a wonderful afternoon.","start":2745.997,"end":2747.777,"sentiment":"positive","sentiment_score":0.7902721837162971}],"sentiment":"positive","sentiment_score":0.7780557672182719,"channel":0,"num_words":9,"start":2745.197,"end":2747.777},{"sentences":[{"text":"You too.","start":2748.227,"end":2748.867,"sentiment":"positive","sentiment_score":0.5623070895671844},{"text":"See 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lifestyle, and expenses. They discuss his income and expenses, including his monthly expenses and savings account balance. The speaker emphasizes the importance of maintaining a positive life and retirement goals, as well as maintaining a well-funded retirement plan. They also discuss risk profiles and retirement plans, as well as the importance of maintaining a positive life and replacing underperforming assets with alternative investment options. The speaker provides information on various documents and referral processes, as well as a general cost sheet for the customer to review."},"intents":{"segments":[{"text":"It's because it's a new call, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep.","start_word":21,"end_word":47,"intents":[{"intent":"Confirm call status","confidence_score":0.00046263868}]},{"text":"We had a breakdown of office first field or on-site, whichever way you like to refer to it as a sixty forty breakdown. Do you think that's still correct?","start_word":299,"end_word":327,"intents":[{"intent":"Confirm breakdown","confidence_score":0.33527133}]},{"text":"And is your employer's name still Cross UTL. River Rail? UGL.","start_word":344,"end_word":354,"intents":[{"intent":"Determine employer's name","confidence_score":0.0032591117},{"intent":"Confirm employer's name","confidence_score":0.002454504},{"intent":"Confirm employment","confidence_score":0.012980625}]},{"text":"And how long have you been in with UGL for? Two years on the October 9. Okay.","start_word":414,"end_word":430,"intents":[{"intent":"Confirm job type","confidence_score":0.009497136}]},{"text":"And how long have you been in with UGL for? Two years on the October 9. Okay. Are you still full time and thirty eight hours a week? Yep. Yep. And we have your income down at a 165,000. I Is that right? think it's 170,000 now. Yep.","start_word":414,"end_word":461,"intents":[{"intent":"Determine salary type","confidence_score":2.0379142e-7}]},{"text":"Are you still full time and thirty eight hours a week? Yep.","start_word":431,"end_word":442,"intents":[{"intent":"Clarify working hours","confidence_score":0.00059299637}]},{"text":"Are you still full time and thirty eight hours a week? Yep. Yep.","start_word":431,"end_word":443,"intents":[{"intent":"Confirm work date","confidence_score":0.0014027795}]},{"text":"And we have your income down at a 165,000. I Is that right? think it's 170,000 now. Yep.","start_word":444,"end_word":461,"intents":[{"intent":"Confirm salary amount","confidence_score":0.031265628},{"intent":"Confirm income amount","confidence_score":0.059527747}]},{"text":"Do you know how much that you clear a week roughly? Is a it month I could fair? tell you? Yeah.","start_word":470,"end_word":490,"intents":[{"intent":"Confirm payroll amount","confidence_score":0.0037756423}]},{"text":"No. That's probably No. that's out of mortgage genius. But What I'd love it do if it you was $900 a week including mortgage. I know. Right?","start_word":564,"end_word":590,"intents":[{"intent":"Confirm mortgage payment","confidence_score":0.030081848}]},{"text":"What is your mortgage repayment with the whatever frequency you pay it? So I think it's about do you need it exactly or just roughly? No.","start_word":622,"end_word":647,"intents":[{"intent":"Calculate repayment frequency","confidence_score":0.00050013117}]},{"text":"Now we have your mortgage as about 673,000 outstanding. Would that be right?","start_word":963,"end_word":975,"intents":[{"intent":"Confirm debt amount","confidence_score":0.0386215}]},{"text":"Can you click on in your banking app and see if there's a statement anywhere? 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Look.","start_word":1925,"end_word":1968,"intents":[{"intent":"Evaluate cash flow planning","confidence_score":0.006462865}]},{"text":"So in retirement, what would be an the an appropriate level of income that you would need per week or per fortnight in today's dollars? Yeah. Look.","start_word":2265,"end_word":2291,"intents":[{"intent":"Determine minimum income","confidence_score":0.17724887},{"intent":"Calculate retirement income","confidence_score":0.012181812},{"intent":"Determine retirement cost","confidence_score":0.15298347}]},{"text":"Do you think that would cover holidays or and you go, or you'd need a bit more?","start_word":2374,"end_word":2390,"intents":[{"intent":"Determine cost of holidays","confidence_score":0.13605165}]},{"text":"of us buying the caravan to just sort of do, Yes. like, cheaper trips. But I mean, even then, the cost of hip camps and, like, just camping Mhmm.","start_word":2425,"end_word":2453,"intents":[{"intent":"Determine cost of camping trips","confidence_score":0.116684005}]},{"text":"Well, that that gives me something to model too. And, yeah. like, even though retirement's so far out and we think, gosh, we've got so much time, it gives me some goals to look at of what we need to do. Yeah.","start_word":2476,"end_word":2517,"intents":[{"intent":"Determine retirement goals","confidence_score":0.65754354}]},{"text":"But it's just something to work towards to know how to structure the things that we need to structure. Yep.","start_word":2655,"end_word":2674,"intents":[{"intent":"Structure and manage assets","confidence_score":0.006306139}]},{"text":"So we have a brochure that we can email you that gives you the cost. Do you want me to email that to you just for you and Courtney to have a look at? Yeah.","start_word":3108,"end_word":3142,"intents":[{"intent":"Request brochure","confidence_score":0.0524299}]},{"text":"And with your review frequency, are you happy to do that annually, or would you like it more frequent? Look.","start_word":3147,"end_word":3166,"intents":[{"intent":"Confirm review frequency","confidence_score":0.0034757627}]},{"text":"I mean, I'm I'm open. Like, whatever you guys sort of reckon, you know, and, like, if you don't Mm-mm. think it's really beneficial to do every six months, then I'm sort It's of in it's totally it's totally up to you. this year.","start_word":3167,"end_word":3210,"intents":[{"intent":"Provide recommendations","confidence_score":0.0029842306}]},{"text":"You're not limited in the amount of so you so even if you are on an annual review cycle, say, for example, something comes up in three or four or six, nine months time that you wanna have a chat about or you're concerned about or you need some additional advice on, you just give Yep. us a call. You're not limited to the Yep. one time per year. We meet with clients as regularly as they need.","start_word":3211,"end_word":3288,"intents":[{"intent":"Provide support","confidence_score":0.0009936696}]},{"text":"And we can talk more about that, but I just wanted to probably set the scene for that to as we go into your actual review documents so we can talk about that a little bit more. Yep.","start_word":3459,"end_word":3496,"intents":[{"intent":"Set setting the scene for risk profile","confidence_score":0.0022339844},{"intent":"Review documents","confidence_score":0.09585037}]},{"text":"So do you have access to your emails at all? Yeah. I do.","start_word":3497,"end_word":3509,"intents":[{"intent":"Access emails","confidence_score":0.4062022}]},{"text":"Those levels of cover, do you feel that they're still adequate? Do you want them reviewed?","start_word":3671,"end_word":3686,"intents":[{"intent":"Review coverage levels","confidence_score":0.17478454}]},{"text":"So then we'd add your super balance onto to that amount.","start_word":3852,"end_word":3862,"intents":[{"intent":"Add super balance","confidence_score":0.50329566}]},{"text":"So then we'd add your super balance onto to that amount. So, typically, that's how it's structured with young families, and it's pretty in line with what we see. Yep.","start_word":3852,"end_word":3881,"intents":[{"intent":"Structure insurance coverage","confidence_score":0.1068286}]},{"text":"If you made Yep. it at the insured definition, then you would you would receive a lump sum payment.","start_word":3974,"end_word":3992,"intents":[{"intent":"Calculate categorization","confidence_score":0.00008756687}]},{"text":"It's kind of a policy that sits between TPD and income protection being that you're not likely to be totally and permanently disabled initially depending on the the type of medical condition it is. Mhmm. Yep.","start_word":3994,"end_word":4029,"intents":[{"intent":"Determine policy options","confidence_score":0.0007048388}]},{"text":"What we're doing is we're looking at replacing that well, not looking at replacing. We're investigating with all of our clients an alternative if it's you know, suits their goals and objectives to look at replacing. The reason Mhmm.","start_word":4508,"end_word":4546,"intents":[{"intent":"Clarify financial goals","confidence_score":0.00005827597}]},{"text":"So, overall, pretty happy with the portfolio besides those two options that we wanna look at alternatives. Okay.","start_word":4971,"end_word":4988,"intents":[{"intent":"Review portfolio options","confidence_score":0.020595811}]},{"text":"The next document is the annual fee document. So this is the client and, you know, engaging it with us in our the services we provide, The estimated fee will be $2,084.32 per annum. So what is done with that, it's divided by 12 and then deducted from the fund monthly.","start_word":5350,"end_word":5400,"intents":[{"intent":"Educate clients on fee","confidence_score":0.00024990784}]},{"text":"So if you can give me a kind of overview of the full household income and expenses, I can then work that in with the the repayment of debt to see if you like, if you're happy to do that, or if you just want me to give you the figures to repay the debts in three to five years and then the home loan ten, fifteen, or twenty years, I can do that as well.","start_word":5615,"end_word":5690,"intents":[{"intent":"Resolve debts","confidence_score":0.05800784}]},{"text":"And you'll then you'll just just to confirm, so would you did you say you were gonna send me some information on the trauma cover thing?","start_word":5866,"end_word":5891,"intents":[{"intent":"Send information","confidence_score":0.06400004}]},{"text":"So what I'll do in that is I will provide a link or I'll provide a snip, an image from the PDF showing what type of conditions are covered, and you can have a look at those as well. I'll provide one pass.","start_word":6033,"end_word":6075,"intents":[{"intent":"Provide link","confidence_score":0.10467202},{"intent":"Provide picture","confidence_score":0.045288436}]}]},"sentiments":{"segments":[{"text":"Hello. Sean speaking. Hi, Sean. It's Jenna here phoning from Financial. How are you? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.08909234404563904},{"text":"Good.","start_word":15,"end_word":15,"sentiment":"positive","sentiment_score":0.4710739552974701},{"text":"Yourself?","start_word":16,"end_word":16,"sentiment":"neutral","sentiment_score":0.3123767077922821},{"text":"I'm well. Thanks.","start_word":17,"end_word":19,"sentiment":"positive","sentiment_score":0.4283025562763214},{"text":"Sorry. It's because it's a new call, I just need to let you know that our calls are recorded for quality and coaching purposes. Is that okay? Yep. That's fine.","start_word":20,"end_word":49,"sentiment":"neutral","sentiment_score":-0.0011378262424841523},{"text":"Beautiful.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.6081467866897583},{"text":"And I'll just get you to confirm your full name, date of birth, and address again, please. Sean Christopher Brackston. Twenty fifty the first nineteen ninety and 638. Benchmark Road, Laurel Beachmark.","start_word":51,"end_word":82,"sentiment":"neutral","sentiment_score":0.0913844034075737},{"text":"Fantastic. Beautiful. Is now a good time for you?","start_word":83,"end_word":91,"sentiment":"positive","sentiment_score":0.4929896295070648},{"text":"Yeah. Yeah. Be better. Yeah. Okay.","start_word":92,"end_word":97,"sentiment":"neutral","sentiment_score":0.17875513434410095},{"text":"Beautiful.","start_word":98,"end_word":98,"sentiment":"positive","sentiment_score":0.37005460262298584},{"text":"Well, the purpose of the call is just to complete your annual review that's due. Yep. What I'd like to start, first of all, is to just review the information that we have on file for you to Yep. make sure that it is current and relevant, up to date, I guess. Yep. Yep. So first of all, your, are you married or de facto? I just like to still engage. Yep. Beautiful. And still with Courtney Brown Fraser? Yep. Correct. Yep. Still just one child? Beautiful. And his name's Carter? Yep. Yes. It is. Yes.","start_word":99,"end_word":194,"sentiment":"neutral","sentiment_score":0.06683912128210068},{"text":"Fantastic.","start_word":195,"end_word":195,"sentiment":"positive","sentiment_score":0.36454394459724426},{"text":"Alright. We've got Courtney down here as your next of kin, but we don't have a phone number for her. Would I be able to grab that Yeah. Sure. from 0403 you? 46 Yeah? 9 Yep. 333. 333.","start_word":196,"end_word":233,"sentiment":"neutral","sentiment_score":0.04424797743558884},{"text":"Nice easy number.","start_word":234,"end_word":236,"sentiment":"positive","sentiment_score":0.3380497097969055},{"text":"Yeah. Alright. So moving on to your employment and income details, I have you here as a QA project engineer. Is that still correct? Yep. Do I hear it? Yep. Yep. And you still work at heights over 12 Heights over 12 meters. meters? Yeah. Or hazardous materials of any kind? Hazardous, probably. Yeah. Electricity. Yep. Yep. Not parts. Fair enough. We had a breakdown of office first field or on-site, whichever way you like to refer to it as a sixty forty breakdown. Do you think that's still correct? It's probably more like eighty twenty in the Yeah. office space in the field. Okay. No worries. And is your employer's name still Cross UTL. River Rail? UGL. Yeah. I'm working on the Cross River Rail project, but it's UGL, you know, that Okay. employs me. It's a bit Okay. of a weird setup. So I'm working for UGL for CPB on the Cross River Rail project. Yeah. Okay. That's alright. Whoever just play pays you super. So would that be Yeah. UGL? UGL. Yep. Yeah.","start_word":237,"end_word":412,"sentiment":"neutral","sentiment_score":-0.0012388874945992773},{"text":"Fantastic.","start_word":413,"end_word":413,"sentiment":"positive","sentiment_score":0.45322710275650024},{"text":"And how long have you been in with UGL for? Two years on the October 9. Okay. Are you still full time and thirty eight hours a week? Yep. Yep. And we have your income down at a 165,000. I Is that right? think it's 170,000 now. Yep. Is that plus Not sure. super? Is Yeah. Do you know how much that you clear a week roughly? Is a it month I could fair? tell you? Yeah. Yeah. Okay. So I think it's well, let me just double check this. I'm not telling you some completely random figures. 8,885 That's 51. $885.51. Now is that after tax or before tax? That's after tax. That's Okay. in my bank.","start_word":414,"end_word":531,"sentiment":"neutral","sentiment_score":0.02497275173664093},{"text":"Beautiful.","start_word":532,"end_word":532,"sentiment":"positive","sentiment_score":0.4313754737377167},{"text":"I can work that backwards after. That's fine. We have your expenditure here as $900 a week. Would that be correct? Yeah. Probably pretty accurate. Yeah. Does that include mortgage repayment? No. That's probably No.","start_word":533,"end_word":567,"sentiment":"neutral","sentiment_score":0.06652124226093292},{"text":"that's out of mortgage genius.","start_word":568,"end_word":572,"sentiment":"negative","sentiment_score":-0.3732066750526428},{"text":"But What I'd love it do if it you was $900 a week including mortgage. I know. Right? It'd be the dream, wouldn't it? No. I don't know if there's No, anyone in Australia at unfortunately. the moment who would be paying that. What is your mortgage unfortunately. What is your mortgage repayment with the whatever frequency you pay it? So I think it's about do you need it exactly or just roughly? No. Round figures is fine. Yeah. Roughly. It's about $4,140 or something like that. A month? Yeah. Yep. And you is that just a minimum, or do you pay No. That's the extra? minimum.","start_word":573,"end_word":679,"sentiment":"neutral","sentiment_score":-0.040368045340770875},{"text":"Beautiful.","start_word":680,"end_word":680,"sentiment":"positive","sentiment_score":0.4271976947784424},{"text":"We have your savings per week down at $250. Is that still correct? How much? Sorry. $250 a week, You're saving? Yeah. Look. Sort of ebbs and flows. Like, I usually Yes. wanna get paid sort of like I'm putting somewhere between 1,500 and and $2, but, yeah, I do pull back out. So let's Yeah. say, yeah, somewhere in that, like, $2.50 to 500. Okay. And do you have the balance of your savings account? Yeah. It's probably probably about 8.5 at the moment. Yep.","start_word":681,"end_word":766,"sentiment":"neutral","sentiment_score":0.03263154998421669},{"text":"Beautiful.","start_word":767,"end_word":767,"sentiment":"positive","sentiment_score":0.46517685055732727},{"text":"And you just use that as, like, an emergency fund as well or something like that? Yeah. Well, I've kinda just put aside, like, $5. It's just like a but Yep. Fair enough. yeah. Like, since I got a good tax return, so Yep. let's Beautiful. sort of put that up.","start_word":768,"end_word":818,"sentiment":"neutral","sentiment_score":0.11994317919015884},{"text":"Beautiful. Fantastic.","start_word":819,"end_word":820,"sentiment":"positive","sentiment_score":0.5077999830245972},{"text":"Any other assets or liabilities that you can think of? Yeah. There's probably a few. Yep. So oh, you'd have the car already. I don't actually have it written I don't have it recorded. What's that valued at? Well, there's two. Okay. Yep. So I've got a missing Skyline, and that's probably, like, $15.60. Yep. Okay. Any debt attached No. to it? No. Okay. Yep. And then I got the d max. I don't know. Probably 30 Yep. Okay. Beautiful. grand. And then we got the Courtney and I bought a caravan as well last year, something like that. Okay. And how much would that be worth? 48 to 50, Audience. something like that. Yeah. Okay. Any debt on the D Max or the caravan? No. No. No? Beautiful. Any other assets you can think of or Nothing debt? major. No? Okay. Now we have your mortgage as about 673,000 outstanding. Would that be right? I'll just double check. 662,000. Was 662,500. Okay.","start_word":821,"end_word":983,"sentiment":"neutral","sentiment_score":0.011823065178983051},{"text":"Beautiful. Thank you.","start_word":984,"end_word":986,"sentiment":"positive","sentiment_score":0.5944175124168396},{"text":"Alright. Now And then moving there's on a to there's a personal yep. loan there as well, probably Okay. around 40,000. Okay. Alright. Beautiful. Now I have a couple of financial questions I need to ask. Have you ever been declared bankrupt? No. Not ever had a debt agreement of any No. kind? Nope. Cute. Alright. Now from a health and lifestyle perspective, are you a smoker? No. No. Have you ever been a smoker in the Yeah. Previously. past? Was it within the last twelve months? No. No. Okay. Do Mhmm. you have any significant health issues or injuries? No. Not really. I just suffer from acid reflux. So I got a a hadal hernia that I take pan toppers on daily for. Other than that, do you fit in healthy? Okay. Well, if it's debatable, though. And so the acid reflux is a result of your hernia. Yep. Yeah. Yeah. Where did you say the hernia was again? Sorry. It's like a basically, in my stomach. Yeah. Yep. Okay. And you take medication for that? Do you what type? So pantoprazole. Think it's a forty milligram one. Alright. And do you have private health No. I've looked insurance? into it a couple times, but no. Yep. Okay. And I have your height and weight down here as a hundred and seventy five centimeters and eighty kilos. Would that still be correct? Well, I haven't been eighty kilos for a while. I'd say probably probably about eighty seven to ninety would be more accurate. Eighty seven, Yeah. did you say?","start_word":987,"end_word":1247,"sentiment":"neutral","sentiment_score":-0.0579119585454464},{"text":"Yep. Beautiful. Yep.","start_word":1248,"end_word":1250,"sentiment":"positive","sentiment_score":0.4625223577022553},{"text":"Okay. And then from an estate planning perspective, do you have a will or power of attorney in place? No. I don't think so. No. Okay. Alright. I'm gonna jump back up to your goals and objectives that you we have on file from the last time that we met or had your Yep. review. Mhmm. Basically, one of them was to pay off as debt as possible and career progression to earn more money. Are they still relevant? Yeah. Look, I mean, they're paying off as much debt as possible. Yep. I suppose that's just going week by week, really. Yeah. But, yeah, I don't know. The the progression thing sort of not Yeah. really as much of a priority anymore. Okay. So is there a certain time frame that you ideally want your mortgage repaid down in or your personal loan repaid down in? Look. Did The you personal want loan, I want done in the next three to five years. yeah. And then yeah. Mortgage as soon as possible would be nice. Are you with the personal loan, are you making additional repayments, or is that just the time frame? That's just the time frame at the moment. So I have have sort of considered that. But yeah. It's just with everything else that sort of Yep. goes on that, you know, sort of good intentions and then yeah. Yeah. Did you want any advice to look at paying down those clicker for the amounts you'd need to do in those that period of time, or you're hap or are you happy to manage that yourself? Oh, look. If she is yeah. If she could have a look and and let me know, that'll be good. Yeah. I'd need a little bit of details from you for it, if that's okay. So yeah. That's With the fine. per personal loan, do you know the time frame that's left on the loan itself? Is it was it originally seven years and it's down Okay. Let's have a to look here and see if it'll tell me. I don't know if it tells me that. I'm just trying to think. What bank are you with?","start_word":1251,"end_word":1616,"sentiment":"neutral","sentiment_score":0.017375733937477805},{"text":"Great.","start_word":1617,"end_word":1617,"sentiment":"positive","sentiment_score":0.4316379427909851},{"text":"That Yeah. and the Yeah. I'm not sure. and the Do you have a statement or homeless. anything like A what? Sorry. that? A statement? Can you click on in your banking app and see if there's a statement anywhere? Yeah. I might be able to. Sorry. No. You're absolutely fine.","start_word":1618,"end_word":1668,"sentiment":"neutral","sentiment_score":0.002653596457093954},{"text":"Take your time.","start_word":1669,"end_word":1671,"sentiment":"positive","sentiment_score":0.36256125569343567},{"text":"Just trying to figure out where to get the statements in this banking app.","start_word":1672,"end_word":1685,"sentiment":"neutral","sentiment_score":-0.1612023264169693},{"text":"They don't make it easy to find information these days.","start_word":1686,"end_word":1695,"sentiment":"negative","sentiment_score":-0.3871898651123047},{"text":"Right. Right. Important information. Not nothing there. I wanna know if it's one of those things where you can then get the statement to log in through the browser. Potentially, what what I could do is I could email you post the meeting, if you like, of a list of the items we need for me to Yep. be able to look at that for you. Yeah. Because I can give you, like, repayment or amount, the interest, and Yep. what's and the balance, but, yeah, I can't send you the Yep. fund statement. No. That's okay. Do you know what well, if you've got act I might be able to work backwards. Do you have the interest Yeah. So it is nine point rate? four Okay. nine And the outstanding balance you gave me, percent. that's correct. 40,000? $41,698 and 30 Okay. And in a five perfect world, how cents. what time frame would you you said three to five years. Is it more closer to Probably three years or yeah. five years? Yeah. Probably three. Yep. Yep. I can give both options anyway. Yep. Trim five. With your home loan, what's your interest rate on that? It changes. 6.24%. 6.24%. Alright. And in an ideal world, Wow. would you like that paid off in ten years, fifteen years? What do you or by a certain age? Because what we can do is we can actually see if your cash flow supports it, number one, and then devise a plan if you like to see how we can do that and how how much interest potentially you can save. Yeah. Look. I mean, I suppose it's one of those things. Right? Like, it just sort of depends on your figures. I mean, like, I'd love to say 10 to 15, but I mean, probably your ideal, Yep. even a 20 would be maybe a little bit more, I don't know, Yep. realistic, I guess. That's okay. What we'll do is we'll have a look at the figures anyway, Yep. but that gives me a guide to at least work with. If you could if if you could give back sort of, you know, this The is three what options. you'd have to do from everywhere from, like, 15 to, like, Yep. even would Yeah.","start_word":1696,"end_word":2080,"sentiment":"neutral","sentiment_score":0.08004469403198787},{"text":"Beautiful. just be good. Yep. I can do that. Because I note that one of your goals also is being debt free in retirement, which is a big one for everyone.","start_word":2081,"end_word":2111,"sentiment":"positive","sentiment_score":0.4576596915721894},{"text":"So that's Yeah. working towards that. Speaking I think that's probably of really like a retire necessity. exactly. Yeah. Yep. Speaking of retirement, what would be your ideal retirement age? What are you aiming towards? Me too. Yeah. I've been off sick, and I must say I was not going to Oh, work. No. Probably, I don't know, 65 would be nice. Yep. Still get a And couple then of years to play golf and yeah. go traveling. Yeah. Alright. And if you were to retire at 65 debt free, how much Yeah. do you think you and Renee it's Renee, isn't it? Courtney. No. Courtney. Sorry. I was looking at a different screen. Courtney Yeah. would Lucky need you're not on speaker or else I would have been in trouble then. Sorry. My apologies. That's the problem with having three screens. You've got too many to look at. Okay. Yeah. Yeah. So in retirement, what would be an the an appropriate level of income that you would need per week or per fortnight in today's dollars? Yeah. Look.","start_word":2112,"end_word":2290,"sentiment":"neutral","sentiment_score":-0.011734032535186694},{"text":"I mean, fuck. I don't know.","start_word":2291,"end_word":2296,"sentiment":"negative","sentiment_score":-0.5809725522994995},{"text":"It's hard to really think of, I suppose, because, like, you sort of look at a figure now, but then you think, like, come retirement, you know, that Carter will be Yes. hopefully Yeah. looking after himself. Yeah. Yeah. Right. So, you know, like, I don't know. Like, I think, like, between the two of us, it sort of need, like, a minimum of, like, a thousand dollars a week, I reckon, stuff like that. Yeah. Yep. Do you think that would cover holidays or and you go, or you'd need a bit more? Well, look, probably not holidays. Yeah. No. Let's say yeah. You probably did a little bit more, so two holidays. And depending on what you're doing, like, you know, that was the point Yes. of us buying the caravan to just sort of do, Yes. like, cheaper trips. But I mean, even then, the cost of hip camps and, like, just camping Mhmm. in general with the cost of fuel has sort of gone up as well.","start_word":2297,"end_word":2467,"sentiment":"neutral","sentiment_score":-0.05616628378629685},{"text":"This is So, very expensive, isn't it?","start_word":2468,"end_word":2474,"sentiment":"negative","sentiment_score":-0.3724441528320313},{"text":"Okay. Well, that that gives me something to model too. And, yeah. like, even though retirement's so far out and we think, gosh, we've got so much time, it gives me some goals to look at of what we need to do. Yeah. Pre Is that retirement, sort of in line with what everyone else sort of? Like, what's pretty generally much, to be honest yeah. with you. Yeah. And we base it in today's dollars because, you know, today's a thousand dollars could be worth, you know, $2,500 in, you know, thirty years' time. Yeah. So that's why we're saying today's dollars just to allow for the inflation. You know, the cost the rise rise continuous ever never ending cost of living Yes. rising. Seems that way at the So, moment. yeah, that's pretty standard, to be honest with you. As long as you're debt free, you know, you'd have additional holidays, you'd probably need a little bit more, which is always that like, as we get closer to our time that we can allow for, that's Yep. easy. But it's just something to work towards to know how to structure the things that we need to structure. Yep. The next goal was about your superannuation. You just like continuous growth, ensure that there's enough to support your family in retirement, have active management with a proactive approach to in Is that still current? Yeah. Yeah. I'd say so. Yeah. I've actually Yep. been pretty happy with, you know, how you guys sort of set that up and and how to tell them, really.","start_word":2475,"end_word":2739,"sentiment":"neutral","sentiment_score":0.11712323958581349},{"text":"Alright. That's great. Good to hear. Beautiful.","start_word":2740,"end_word":2746,"sentiment":"positive","sentiment_score":0.6840978264808655},{"text":"Well, we'll chat about that a little bit more shortly in relation to the actual portfolio itself. Yep. But the last thing is your own well, not the last thing. The goal that you had noted was you just wanna you wanna be covered insurance wise to protect your family. Still appropriate? Yep. Yes. Yeah. Yeah. Yep. Look, I mean, Yep. if anything sorta happened to me, I really would sorta want them to be in a position where they don't really have to worry about anything. Yeah. So that probably leads into the next thing from me is raising the the lack of estate planning, being your wills and power of attorney. Yeah. If any I always use yesterday as an example because we know that it did not happen. But if something was to happen to you yesterday, if you were to die without a will, that leaves Courtney in a pretty bad situation along with Carter as, basically, the the the public trustees get involved to sort out who is a true beneficiary Yep. automatically that everything would just transfer to Courtney. The house may, depending on how it's structured, whether it's joint tenants or tenants in common. Yep. But but separate bank accounts, superannuation has to have specific beneficiaries noted for it to automatically go to Courtney, which we'll make sure is in place. But I all think other I think assets I have already set that up. So in terms yes. of, like, the super Courtney and Carter beneficiaries on that. But, yeah, in Yep. terms of, like, everything else, then I'm real Yep. yep. Yeah. So bank accounts and vice versa as well with Courtney. Important for her to have it in place also because if anything happens to her, you may you may also need access to her superannuation and her stuff. So they're pretty important documents to have in place. Yep. We do have a professional partner that we work with that arranges them or works with our clients to put them in place, I guess. Really quite reasonably priced, but, like, based on my experience and some of them I've seen. Yep. So we have a brochure that we can email you that gives you the cost. Do you want me to email that to you just for you and Courtney to have a look at? Yeah. Sure. Yeah.","start_word":2747,"end_word":3144,"sentiment":"neutral","sentiment_score":0.079397982538645},{"text":"Okay. Beautiful.","start_word":3145,"end_word":3146,"sentiment":"positive","sentiment_score":0.507382869720459},{"text":"And with your review frequency, are you happy to do that annually, or would you like it more frequent? Look. I mean, I'm I'm open. Like, whatever you guys sort of reckon, you know, and, like, if you don't Mm-mm. think it's really beneficial to do every six months, then I'm sort It's of in it's totally it's totally up to you. this year. You're not limited in the amount of so you so even if you are on an annual review cycle, say, for example, something comes up in three or four or six, nine months time that you wanna have a chat about or you're concerned about or you need some additional advice on, you just give Yep. us a call. You're not limited to the Yep. one time per year. We meet with clients as regularly as they need. Yeah. Okay. Yeah. I mean, look, I think really, like all the stuff we're talking about for the long term planning, and I don't really think that enough really happens in six months to sort of work, you know, reviewing it every six months. And like you said, if Need. if something does change or whatever, then I can call up and do it, then that's One fine. 100%. Yeah. Yep. 100%. Alright. I'm gonna jump over to one last one last question. With your risk profile, so that's how we invest your funds, you're currently as a growth investor. Estranged Mhmm. shares, property estranged shares, property, and some alternative growth options with the remaining 20% Okay. being invested in fixed interest and cash. There's a recommended minimum time frame of years to be able to withstand and hold any market volatility and fluctuations with the expectation of roughly one in every five years being a negative year. So that's the risk profile that you're currently in at the moment. And we can talk more about that, but I just wanted to probably set the scene for that to as we go into your actual review documents so we can talk about that a little bit more. Yep. So do you have access to your emails at all? Yeah. I do. Yep. Have you received an email from? Yep. Yes. That's me. So what that's got your review pack. So if you open that email and click on sign, I believe it brings up a review pack of documents. You don't you're not actually signing anything until we walk walk through everything or until you're absolutely comfortable. So when you've got that open, Yep. just let me Yep. know. Got an iPhone.","start_word":3147,"end_word":3580,"sentiment":"neutral","sentiment_score":0.042613916375893186},{"text":"Beautiful. Yep. Fantastic.","start_word":3581,"end_word":3583,"sentiment":"positive","sentiment_score":0.4337695240974426},{"text":"So your front page is a brief overview of your summary of what you have in place at the moment. Mhmm. You can see your super balance is sitting at the $1,230.06 mark, Yep. and we've got your life and TPD insurance at 1.85, round it, million, and your income protection at $9,736 per month with a thirty day waiting period and a six year benefit period. Yep. The premiums of that is $2,572.51 per annum, and that's funded Mhmm. from your hub twenty four account. Yep. Those levels of cover, do you feel that they're still adequate? Do you want them reviewed? Are they still in line with your original goals and objectives as to why you took out those levels of cover? Yeah. I think so. Yep. Yeah. I Yep. mean, yeah, it's kind of I suppose in terms of, like, the life and TPD and stuff, it is kind of hard to sort of picture. You know, like, I'd I guess originally when I sort of set it all up, I kinda just sort of had the goal of, like, if anything did happen to me, then, like, Courtney could just pay off the house and not have to worry about the house. And then, you know, there's money there to just sort of, yeah, not really have to Yes. worry, Yeah. like, I guess, for at least some period of time about, you know, work and and those sort of responsibilities. So I guess that leaves Yeah. sort of like, I guess, I mean, 1,200,000. Yeah. We're Yep. also left So over. So yep. So then we'd add your super balance onto to that amount. So, typically, that's how it's structured with young families, and it's pretty in line with what we see. Yep. The only type of insurance that's missing from a full risk protection portfolio is trauma insurance. Trauma insurance is a policy, an insurance policy that would cover you with a lump sum payment tax free if you're diagnosed with a certain medical event. Trauma policies, they have about between just over 40 defined events ranging from different types of cancer, heart attack, stroke, neurological diseases. And if you made a definition or a category, so depending, you know, cancer, there's different stages. And with heart attacks, there are different categories of them. If you made Yep. it at the insured definition, then you would you would receive a lump sum payment. It's kind of a policy that sits between TPD and income protection being that you're not likely to be totally and permanently disabled initially depending on the the type of medical condition it is. Mhmm. Yep. And your income protection, you may end up with maybe a couple of weeks being paid a benefit and then back at work. And you might decide that that's not something for you. So, typically, a good example of that would be, I don't know, if you suffered a heart attack, you know, you might have a of that would be, I don't know, if you suffered a heart attack, you'd probably have some stents put in, need to change your lifestyle, etcetera, all the things they say, Yep. and you might be back at work in five weeks, which means you get roughly a week of your income protection and you're back at work. But you might decide that you don't wanna go back to work and you you want a bit of a break to actually rec recoup, that's Yep. where a trauma policy would come into effect. So Okay. So it's it so really what that four week waiting period, it it's mhmm. sort of like doesn't get back paid. That's like that's It's like sort an of excess. Yeah. Think of it like an excess, like, you know, how you pay car excess. yeah. That's your income protection excess, basically, so you don't get paid for thirty days. Yeah. Right. Okay. Yep. That's the absolute minimum available, the thirty day. They used to have many, many years ago a fourteen day waiting period. It sort of became unaffordable because it pretty much can double the income it used to double the income protection premium. So, Yes. typically, everyone's on a thirty day. That's one of the most popular, I should say, but others select a sixty day or a ninety day waiting period also. Yeah. So I guess, yeah, in the in the meantime, some people take advantage of their sick leave and annual leave to cover Yeah. those Yep. those days, Mhmm. And then usually have to make up the difference between some savings until you get to that thirty day mark. Yeah. Okay. Yep. Yep. Makes sense. So that's what it and, yeah, so trauma is what I was explaining. I just needed I need to explain that because you do have a gap there. Whether you want advice on it or not is entirely up to you, but I just need to explain it to you to make sure that you can actually make an informed decision. Yeah. Look, I think I remember having this discussion when I was sort Yeah. of going through all that stuff in the right way. Yep.","start_word":3584,"end_word":4457,"sentiment":"neutral","sentiment_score":0.0030749588181825196},{"text":"Alright. Perfect. That's absolutely fine.","start_word":4458,"end_word":4462,"sentiment":"positive","sentiment_score":0.5075453519821167},{"text":"The next document over is your performance with hub twenty four, your performance report for the last twelve months. So you will see Yep. yep. You'll see that very first one. You can't miss it. Banna Long Australian Equities. A negative return of 16.10%. Yep. What we're doing is we're looking at replacing that well, not looking at replacing. We're investigating with all of our clients an alternative if it's you know, suits their goals and objectives to look at replacing. The reason Mhmm. being is that the Benelung Australian Equities Fund has underperformed due to their investment mandate. It's not in relation to the Australian share market as a whole. So Bennelong will their investment mandate is to identify what they believe is underperforming assets in the Australian share market for growth opportunities. Unfortunately, it's been the banks and the big the big the big banks and financial institutions that have performed in the last twelve or so months. And we wouldn't we don't rush to replace the funds or an investment option just due to underperformance, but this has been about twelve months or so of underperformance. So this is why we're looking at it now. Okay. So if you're comfortable with that, I would like to investigate looking at replacing that. Yep. Yeah. This one. Yep.","start_word":4463,"end_word":4681,"sentiment":"neutral","sentiment_score":-0.08107108622789383},{"text":"Beautiful.","start_word":4682,"end_word":4682,"sentiment":"positive","sentiment_score":0.5019105076789856},{"text":"And then the next one down in that you'll see is the beta bank hybrid ETF. Mhmm. Hasn't performed badly, hasn't, you know, income wise, but and it forms part of that defensive part of your portfolio, Mhmm. so the 20% of your defensive assets. The the Australian banking system's changing. And from Okay. January 2027, the banks are phasing out the hybrids as an investment option. So, basically, what I'm doing with the clients that I'm working with is that I wanna take a little bit more of a proactive approach. I don't know what the banks are gonna offer as replacement in January 2027. I'd just like to look at other options out there to see if there is an alternative Mhmm. that we can that we don't have to wait and see kind Yeah. of thing. Yeah. So That's if fine. you're happy with me doing that, I'd like to do that also. Yep.","start_word":4683,"end_word":4839,"sentiment":"neutral","sentiment_score":0.004365193236405682},{"text":"That's fine. Beautiful. The rest of your portfolio, you know, it's great.","start_word":4840,"end_word":4851,"sentiment":"positive","sentiment_score":0.4905346632003784},{"text":"It's got a few satellite options. So they're ones that we we call them satellite because they float around your big investment options being, you know, Australian share market, The US international share market. So you've got your satellite, so your global cyber, your global battery tech and lithium. You've got some physical gold in there and also some property, which has had some poor performance in the last couple of weeks. So that's not an ongoing that's not something that's been occurring for the last twelve months. That's only just recently. Yep. That that the property ETF has had a bit of a turnaround, but it's not a systemic issue that we're concerned about at the moment. Yep. So, overall, pretty happy with the portfolio besides those two options that we wanna look at alternatives. Okay. The next document is called a Vanguard index chart. This is just a visual tool for yourself. We share it with our clients. So, a visual tool for yourself. We share it with our clients. So you'll recall before I I spoke of the 80% to growth assets and 20 to the defensive. The top four on the right hand side, US shares, Australian international, and Australian listed property. They're your growth assets, and you can see from that the volatility and market movement they experience over the long term. Yep. The bottom two, Australian bonds and cash, ignore CPI because that's not part of your portfolio. But they're your defensive assets. So you'll see that over time, they do have a little bit of growth, but they're more income producing than anything. Yep. So when we look at your superannuation fund, we look at how long you've got to access it. So at the moment, based on current legislation, age 60 is your preservation age. So you still have twenty four plus year twenty four odd years before you can actually access your super. So that Yep. tells us that you being a minimum of six years as an investment time frame is that you can handle and withstand the ebbs and flows of the share market as long as you're comfortable with that. Yep. Yep.","start_word":4852,"end_word":5215,"sentiment":"neutral","sentiment_score":0.07815298636617897},{"text":"Okay. Beautiful.","start_word":5216,"end_word":5217,"sentiment":"positive","sentiment_score":0.47494620084762573},{"text":"The next document over is your certificate of currency with one pass. Again, it's just reiterating what was on the front page. Your son's insured for your cover and what it costs. Mhmm. The next document is an extremely exciting one. It is our financial services guide. Basically, all that that's that's a legal doc a legal requirement for us to provide to our clients, and it explains who we are, who our licensee Bye bye. is, more most importantly, that we are licensed with ASIC, the type of advice we provide and how we provide fees, and if you if there's something you're unhappy with, how to make a complaint. So that document, if you don't keep this invest this review pack, is always available on our website as well. Good. The next document is the annual fee document. So this is the client and, you know, engaging it with us in our the services we provide, The estimated fee will be $2,084.32 per annum. So what is done with that, it's divided by 12 and then deducted from the fund monthly. So you're looking at a $173.69 per month. Yep. Yeah. Any questions about that? No? Okay. And then the last document there is your it says option to provide a tax file number, but it's confirmation that you are aware and you're comfortable with us holding your tax file number. We had it from establishing super funds and with Hub and from privacy perspective, we get the clients to sign off to say you that you're comfortable for us to still hold that for you on your behalf. Yep. Yep. So from that's the documents that you have. So those last two do require your electronic signature if you're when if you wanna review them and when you're comfortable to sign them. What my action items post this meeting is is to review those investment options, have a look at debt repayment for you, and how that can be structured to try and reduce that for you. And what I might also do when I send you through the estate planning document for you to have a look at for the referral the ref not the referral, the professional partner for you and Courtney to have a have a look at. I might send you a spreadsheet with your cash with a cash flow. So if you can give me a kind of overview of the full household income and expenses, I can then work that in with the the repayment of debt to see if you like, if you're happy to do that, or if you just want me to give you the figures to repay the debts in three to five years and then the home loan ten, fifteen, or twenty years, I can do that as well. It's entirely up to you. Yeah. Would you be able to just let me know what you need? Yep. I get so we'll I'll send you through a spreadsheet, and you just simply pop it pop in the details, and you can send it back to me. Okay. Yeah.","start_word":5218,"end_word":5739,"sentiment":"neutral","sentiment_score":0.14237385200357985},{"text":"Yeah. Good. Yep. Beautiful. Alright.","start_word":5740,"end_word":5744,"sentiment":"positive","sentiment_score":0.5247912406921387},{"text":"Do you have any questions for me? No. Look. Like yeah. Like I said, I'm I've been pretty happy with like, I think, yeah, initially, especially with the amount of sort of, like, you know, scams and stuff that go on us a little bit sort of hesitant because Mhmm. I think you guys sort of called me out of the blue a few years prior. But, Oh, okay.","start_word":5745,"end_word":5813,"sentiment":"neutral","sentiment_score":-0.054622748299785286},{"text":"yeah, I've been really happy with the service and, like, where my super is going and, yeah, Yeah.","start_word":5814,"end_word":5831,"sentiment":"positive","sentiment_score":0.44179293513298035},{"text":"So I don't really Oh, have any that's conscience.","start_word":5832,"end_word":5840,"sentiment":"neutral","sentiment_score":-0.14612822234630585},{"text":"oh, that's good. That's good.","start_word":5841,"end_word":5845,"sentiment":"positive","sentiment_score":0.6510324478149414},{"text":"Well, if at any point in time you do have some questions, please feel free to reach out. Otherwise, Yep. And you'll then you'll just just to confirm, so would you did you say you were gonna send me some information on the trauma cover thing? yep. Yep. Not the trauma unless you want me to. I can send you some information on the trauma insurance, but I was gonna send you information on the estate planning, your wills, and power of attorney. Yep. And I was gonna send send you a spreadsheet on to feel for your cash flow, your household cash flow, because that can help payment quicker. Yeah. Look. I If you can could send me maybe just, like, some information on that trauma. But, yep. yeah, I'm I can do I'm that. pretty I'm curious to know, like, you know, what it covers first, you know, Yeah. Yep. stuff What I can and do is I'll send you the that general cost you. information. Yeah. I'll send Yep. you the general information of what a trauma policy is, and you're with one path. So what I'll do in that is I will provide a link or I'll provide a snip, an image from the PDF showing what type of conditions are covered, and you can have a look at those as well. I'll provide one pass. I mean, there's many other insurance companies out there that do this type of cover, but I'll provide one pass because that's who you're currently with just for a general information piece for yourself. So I'll send those out to you. Yep. Okay. Alright. So what I also probably about in two weeks' time, you'll hear from me or one of my colleagues just to book in another time to go through the changes that we're gonna look at for those insurance options and those and just prevent present that advice to you. It could be a little bit longer just depending on how long it takes for you to come back to me with that cash flow spreadsheet because I'll Yeah. incorporate that all in the same document. So once you get that cash flow back to me, I'll be able to get working on it.","start_word":5846,"end_word":6222,"sentiment":"neutral","sentiment_score":0.07813606986316508},{"text":"Alright. Beautiful. Too easy. Well, thanks for your time, No worries. Sean. I Thank appreciate you. it. And I hope you have a wonderful afternoon. You too. See you.","start_word":6223,"end_word":6251,"sentiment":"positive","sentiment_score":0.6678372621536255},{"text":"Okay. Bye.","start_word":6252,"end_word":6253,"sentiment":"neutral","sentiment_score":0.3072330951690674},{"text":"Thanks.","start_word":6254,"end_word":6254,"sentiment":"positive","sentiment_score":0.6154224872589111}],"average":{"sentiment":"neutral","sentiment_score":0.04793489460043876}}}}