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Is now still a good time for you? Yes. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and then address for me, please? Yep. Perfect. And just your date of birth as well, please? Yep. Perfect. Thank you so much for that. And how's your day been so far? I've been busy? Yeah. Okay. Well, I will try my best not to keep you for too long. Essentially, I did have you booked in for a bit of a catch up as I believe you had your annual review with my colleague, Michelle, a couple of weeks ago, and you had a couple of questions that you wanted to go through in a bit more detail. Is that right? He I had him booked in with me, but if your preference is through speak to Carl, then I can definitely see if he is available. Have you spoken to him before? Okay. Yeah. No. Maybe there was a bit of a a mix up there, but I had you booked in with myself if you're happy to still do that. Yeah. I am one of the advisers here. Yeah. Yeah. Okay. Perfect. And, yeah, sorry about the mix up there there for you. Like I said, if you do if you do prefer to speak to him, that is perfectly fine. I can always get you booked in with him as well. He's also one of our advisers here, but but so am I. So, yeah, it's up up to you. Yes. Yes. I am. Yeah. Sorry. Yeah. I know you did the interview with Michelle, and she is, yeah, one of the admin staff here. And, yeah, there's probably there was a few things in regards to advice. She may not have been able to assist you, but, yeah, hopefully, I can address all those questions for you today. Was there anything specific that you had that you wanted to go over? Let me see here. I I just have here that you wanted to talk about insurances, just in general, and maybe you wanted a mortgage review with the broker. Does that ring a bell? Okay. Yep. Okay. Yes. Okay. Yep. Yep. K. Yep. Yeah. And did you get the the email with all the attachments for your portfolio? Did you guys go through all that during the under review? Do you remember? Yep. Alright. Okay. Now let me see. Do you still have access through those documents at all? Or if not, I'll get it resent after the call today because it'll make it easier for you, obviously, if you can see those attachments as well and make sure you're happy with with all of that. Yeah. So the annual review pack part of that one, there will be a couple of attachments. So if you can have a look at those attachments there, that will be something that I can I'm happy to go through with you today, especially if that wasn't really gone through last time. So definitely pass on that feedback if, yeah, if it wasn't really gone through in a in, you know, a lot of detail with you. Yep. So that will be the the first one there for you, which is just giving you a bit of a a rundown of your super and your insurances. So let me just open that one up for you. Yeah. Perfect. So as you can see there, when your document was prepared on the second of Feb, your super balance in Hub 24 was around 109,681. Is that something you kind of keep an eye on a bit? Are you in, you know, Hub 24? I'd have and you have the app on your phone as well? Yep. Yep. Perfect. And then you have your insurances with OnePath as well. So you have your life insurance. As you can see there, so that is just 1,516,854. And then you have your total permanent disability insurance. That is if you're totally and permanently disabled and unable to go back to work, that is 826,685. Are you quite happy with those amounts as well there for you? So that is if you were to pass away. So if something were to happen to you, yeah, that would then be left to your beneficiary, so who you're you've nominated on your account. Now let me look into your account as well just to make sure yeah. Let me just triple check. So that will be yeah. If something were to happen to you and you'd pass away, that would then be left along with your superannuation. And then, yeah, the the TPD is if you are, you know, if you have two doctors who sign on of the fact that you can never go back to work again, then that's that's kind of a lump sum payment paid out to cover you, obviously, because you are not able to go back to work. Yeah. I do have here James listed at a 100%, and I have your non lapsing binding option nominated. What was that? Sorry? No. Yep. Yeah. I can hear you. Can you hear me? Yep. Perfect. So, yeah, we do have that in place, and then you also have your income protection. Now you have through still both with one pass, 3,292 per month and the other one of 2,383 per month, both with a ninety day waiting period. That would mean that you have to wait the ninety days until it would be paid out. And then you do have the benefit to the age of 70. Now you have all of that paid from within hub twenty four for you. Because of how it's structured, you do get a 15% tax rebate. And after the the rebate, it is $3,072 from your super. So you don't pay for those out of pocket per year. Yes. For those three. Yes. Correct. Yeah. It is it is fairly competitive. The the only thing is that it is a little bit more expensive than some potential new ones, and that is because you have an older policy. So a lot of the legislation and ruling around the insurances, they actually changed in 2021. The policies taken out before 2021 had a lot of grandfather benefits that are really good and exclude inclusive that new policies do not have. So exact exactly. Right. So if, like, for example, if we were to take out a new policy today, it might be a tiny bit cheaper, but you're not gonna have the same inclusion. So for example, today, you can't get an age 70 benefit. The max you can get is age 65. Also, some of some of the one portion that was taken out before, I think it was in 2017 for you, that one covers up to 75% of your income. You can have covered any new policies taken out after 2021 if you only have 70%. And there's a lot of other built in inclusions, so it is very comprehensive. And, typically, the reason why they phased them out was because insurances were paying them out so much, so they were kind of going backwards. So they changed a lot of their inclusion. So especially having an older policy, it is great, and it's still quite affordable for what you have. And as long as it's, you know, still growing your student, which it is, I do think that it is very affordable for what you have, especially given you do have that older policies, which for you is really good. Yep. Now, obviously, if at any point in time you wanna change it, you know, just let us know. But, obviously, if we were to take out more cover or change it, it would mean that you would lose those older benefits. Yep. Now if you then wanna go through the which is the next attachment there for you that you can see? Yep. Yeah. So the one part COC, that is just your certificate of currency for your insurances. So, basically, it breaks down a little bit more information about the policy there for you. It's basically what was outlined in the summary, but it just gives you a little bit more in-depth for you just so you have it. But it basically just tells you that, you know, it's paid and up to date. But, otherwise, that's what that one is. The the will information is just some general information in regards to a will if it is something that you are interested in. And the the IRR performance, yep, that one is the one that shows you the portfolio. So that one here, it gives you just, like, a twelve month breakdown. So from the twenty fourth of Jan through the twenty third of Jan. Now it does look a little bit messy as you can see here because I do believe that when you spoke to my colleague, Dana, last year for under review, she kind of readjusted the risk profile for you that you were originally in your high growth portfolio, but you were willing to kind of look at increasing that to an aggressive portfolio. Obviously, given the time frame until retirement, you do have plenty of time to take advantage of trying to maximize that growth for you, and you are comfortable to take on a bit more, you know, fluctuations in the short term in order to achieve that higher return in the long term. So that's why it does look a lot little bit messier because you can see your buying and selling of the individual investment. So it does factor in that, which is why it looks a little bit messier. But, otherwise, if you go to page two on that document, that basically shows you a little bit more easier the changes. And the the biggest one is if you look on the second column to your right where it says the internal rate of return. So that one here shows that your portfolio is after fees, obviously, factoring in the changes and stuff like that and all fees in your account, so adviser fees and everything like that. Your portfolio has still gone up by 7.53%, which is actually pretty good given what's also happened, you know, in the world lately and the market fluctuations and everything like that, especially with The US. So it's definitely doing doing pretty good. And I can see that, obviously, Dana switched you out on a couple of those investments into some better performing ones as well. So that's kind yeah. That's okay. Yep. Yep. So your highest one is the 17.81. Now that is the one that has a q o zed, the beta shares Raffi Australia. You can see that one? Yep. Yeah. So that one is the one that's it basically invests in the 200 largest companies in Australia. But instead of it kind of being size, which is a lot of the investments just kind of follow an index based on the biggest companies based on size, they kind of do the research more on the fundamental measures of the company. So, like, they look at the sales and cash flow and book value instead. So it's a different way to truthing the investment that goes into it. They're still focusing on the Australian equity component. So that one was your the biggest performer, which is at 17.81 percent. Yes. Actually, no. You had need a bigger one, which is a gold, which is a mortgage alternative investment, but that one actually went up at 52.4%, which is crazy. We've obviously seen a lot of things with with gold. So yeah. So that's actually at 5252.4%. It's more kind of a an option. So, obviously, instead of having physical gold, it's just via the air stock exchange. So you obviously don't have to, like, store the gold, but but, yes, if you ETF, invest in gold. No. You can definitely so the good thing with obviously, there's lots of different ways that you can buy shares yourself. So Hub twenty four, they do have a personal investment account that you can do through Hub twenty four. There's a lot of different platforms that do it. You can obviously do your kind of trading accounts yourself as well. So some people use, like, Consec. Like, there's a lot of, you know, your your cheaper platforms if you just wanna do some investing yourself. And then, obviously, depending on what the investments are available on each platform, most of them tend to have basically everything that you can see in your Hub twenty four super account at the moment because that's obviously all listed there for you. You can access all of them on most platforms. And then other platforms, you can invest in other things as well that you can't do in superannuation. So if there are specific, you know, crypto investments or or other things that you are really interested in, you can get access to that on other platforms that may not be available in hub twenty four. But, basically, everything that you can see in your portfolio, most other platforms, if you wanna do personal investments, you can definitely access yourself. But then you can also invest in your direct shares and stuff like that as well if it's, you know, obviously something that you are interested in. But we mainly have you in your ETF because they're kind of your your low cost options. They're a little bit cheaper, but very diversified for you as well. It is a it is a very good question, and it is very hard to answer because it depends it depends what your goals are by the time you retire. So, typically, it's like, okay. Well, by the time you retire, how much do you want to achieve? Also, what's your income at the moment and where things are at? But if you want a bit more of a just a general based on your current age, this is where most people tend to sit. I can get that information for you if you just bear with me for a second. Because, yeah, there's a lot that goes into it, but sometimes people just want, like, okay. Well, you know, the the average person in my age, what would that typically look like? And Aetna does publish all of that as well of, you know, using all the statistics in Sorry. Let me see if I can find that for you. So, again, this is obviously just like a generalized information, what they say. But, basically, for, I guess, kind of, like, a key benchmark, if you round the 35 to 39 h, for women, it tend to sit at around 71 to 87,000. So you are obviously above that, which is great. Again, obviously, it depends on, you know, how much between now and you retire, what's your contributions like, what's your income, what your insurances, and stuff like that. But if you're looking at an an average of, okay, well, where are most, you know, 37 year olds and, you know, between that 35 and 39, where do they typically sit? It's around. For for women, it's 71 to 87, and for men, it's about 90 to a 130. So you're definitely kind of doing good doing good on where you're at at the moment. And the way that, obviously, we do have your portfolio construction, trying to maximize that, that, you're definitely, you know, doing the right thing to kinda get you through where your retirement goals needs to be as soon as you can as well. Because, especially, the sooner you do it, then you take advantage of all the compounding and stuff like that, which, obviously, with time, you know, changes things even more. Does that make sense? Yeah. Of course. Yep. Yep. Yep. Yeah. So, yeah, there's definitely a truth to it. There is absolutely nothing tying us to Hub twenty four as well. Now, typically, for for me to tell you exactly, I think that you should stay with hub twenty four because that is personalized. I'll have to go and do the research on that. But aside from that, I use hub twenty four personally for my superannuation. I do research on Hub twenty four and similar competitors every single day. And, basically, most of them comes out with Hub twenty four is still very competitive when it comes to the the fees and feature options. So, typically, when we are comparing similar options like Macquarie and Netwealth, the more sophisticated platforms that can allow you the same investment options that Hub twenty four, Hub twenty four tends to come out with very competitive when it comes to the fee. Fee. So they're they're still very good. And like I said, I use it as well, but it is something that we're always, you know, researching. Because like you said, as well, there's absolutely nothing tying us to Hub twenty four or any other super funds. If there's, like, a new option that comes out that's going to be cheaper and give you more, then we will, you know, recommend to move you if it if it's appropriate for you at the time. Yep. And with the making contributions into superannuation, there's two ways that typically people would do it. The first way is have you ever used a pay calculator? Yes. Perfect. So that is usually the first way because typically people would go go with, okay. I have this amount of weight in savings that I'm willing to put in, and then we would then work out, okay. Well, if you you know, like, I think I have here that you save about $250 a week. Is that right? Yeah. So let's say, like, obviously, the first thing is making sure you have excess saving in order to make contributions into superannuation. That's the first thing. Because, obviously, it will be taken from your pretax money going into superannuation, and it will be locked in until you meet a condition of the lease. That is typically turning 60 and retiring or 65 if you're still working. So that's the downside is, obviously, it gets locked in onto so if if you need it, you can't access it. It's locked in in superannuation. But the good thing with it is that it obviously contributes to your retirement and your superannuation, so that is fantastic. And the other really good thing as well is that contributions going into superannuation is only taxed at 15%. And, obviously what was that? Sorry. Yes. Yes. Yep. Yes. You can start tomorrow and stop two days' time because it's it's you your choice. It's different of the employer contributions. It is a requirement that they have to do it, but you can you can contribute in different ways. So you can do, like, a salary sacrifice contribution. So that's obviously telling your employer. Is that how you did it before? Mhmm. Mhmm. Yes. Yes. Exactly. So that's how most people would do it because it comes out pretty regularly. So, obviously, depending on how your employer pays pay paid, whether that is, you know, weekly or monthly or quarterly. It will then kind of be your regular contribution going into superannuation pretax. So, obviously, you save the tax because it's before tax money instead reduces your taxable income, so that is great. The other good thing with doing it as a salary sacrifice is because you are making the regular contributions, which then takes advantage of kind of, you know, dollar cost averaging into super, sorry, that the up and down of the market. Sometimes you're making contributions. The prices might be a little bit higher, other times a little bit lower, but it kind of smooths that out for you by doing the regular contribution. The other way you can do it is if you don't wanna do it with employer and you just wanna it ad hoc yourself, you can still do that. Obviously, it would be after tax money. So let's say you have a little bit of money in your bank account and you wanna put that into super, you can definitely do so. But because that is an after tax, what we can do for you that if you have space to do so, we can then help you claim a notice of intent before the end of the financial year, which you then basically change the contribution from after tax to pretax into if that makes sense. So the the biggest thing to remember is the contribution cap of pretax, which is 30,000 at the moment, and that includes your employer contribution. So you definitely have a a bit of space if you want to obviously do the pretax. That's why most people do it. Some people, as you get, you know, older in in life and stuff like that, they do it after tax anyway because they still wanna boost the super, but most younger clients would do it for the tax advantage by also boosting your superannuation. Salary sacrifice. Yes. So we can either you can either just call or, obviously, let your employee know that this is how much you want to do, or I can also get the team to draft up a letter for you to say, hey. I would like to start salary sacrificing this amount, and then you can just forward that onto your employer. Either way, whatever works for you. But, yeah, that would be through your employer. If you wanna do, like, the works for you. But, yeah, that would be through your employer. If you wanna do, like, the ad hoc contributions after tax and then change it, you can just give us a call, and then we can send you the information on how to do that. Mhmm. Yeah. It's no. It's pretty good, but then you look, obviously, boost that and the money's invested, which again will add to compounding. And it's something you can change whenever. So if your circumstances change and you go, oh, no. It actually makes a big difference. I need that money. Tell your employer that's offered. Or if you go, you know, if you start a little bit less and you go, oh, okay. Well, I'm I'm doing pretty good with my my savings. I can still keep up. Actually, maybe I can put a little bit more in. You can just tell your employer to change it. Like, it it's not like that's like, your other employer contributions. You can change it. The only thing I would say, keep keep an eye on that 30,000. And if it is that you come across a lump sum that you wanna put in for some reason, just give me a call or call because then I can always work the numbers. And there is a way as well that if you have unused cap space from previous years that you can kind of forward some of that and use it. So if, you know, there's ever a situation where you do come across a bit of a lump sum and you go, you know what? I wanna put a bit in super, but I would like to do it, you know, before technically, if I can. Just give me a call, and I'll run through the numbers and see, you know, how much we can look at doing if, you know, that situation ever do. Alright. It yeah. So it is a very question. It is under each employer. Sorry. Most employers offer salary sacrifice through superannuation. That is the most common. It's not a requirement that they have to offer it, but it's very, very few employers who don't. And the only ones I've kind of come across who don't do it is if it's a really, really small business and, like, the accounting stuff is not super sophisticated, and they just don't. But, otherwise, most most employers do offer salary sacrifice. There are other employers, and they tend to be more for government jobs or sometimes nursing and and stuff like that. Jobs or sometimes nursing and and stuff like that where they offer salary sacrifice in different areas. So some employers will offer salary sacrifice for mortgages and bills and payments and stuff like that, but it kind of depends on each employer. But it's definitely worth checking with them to see if it's not something you have done already to see if they do any salary packaging and stuff like that. Some employers do, but most only do salary sacrifice to suit stuff. Yep. Yep. Yep. Yes. So yep. Perfect. So that will be let me see if you were sent that. So that will be part of let me see if I can get that here. That ongoing service agreement was the one that it would ask you to sign. So the ongoing service agreement would be, you know, if you are happy to stay on board of the claim, it will then enter into an ongoing service agreement for us to service your account. Obviously, you can cancel whenever you want to if, at the end point in time, not happy with the services, but it is something you have to sign every twelve months. Otherwise, we just cannot keep charging you. It is a percentage of your super, so 1.65% of your superannuation. But let me see if I can see it on this report here. Here. If not, I can just so I don't waste your time, I can get 15 to generate that for you, a fee disclosure statement even to see how much you have paid in the last twelve months and then estimating for the next twelve months, if that will be helpful for you. I can get them to draft that and send that through to you. Yeah? Yeah. Yes. Yes. Yeah. Of course. And, you know, by all means, we wanna make sure that you are happy and look after you at the end of the day, but there is no looking contract. So if at any point in time you're not happy and don't want to stay on, that is completely up to you, obviously. Now I can see here as well that I do think your your partner is booked in to do some research as well. And with with couple fees as well, we have recently changed the structures for couples. So if it is that we have three people on board, so instead of you paying 1.65%, it will be reduced for 1.1 for both of you to make it a little bit more affordable as well if he, you know, decides to come on board. That would apply to you as well. Yeah. Yeah. And they will go they will go through all of that with with him as well, you know, in during the process. Yeah. No. That's okay. Yep. Yep. Yeah. Yep. Yep. Yep. Right. Yeah. Yeah. Yeah. I well, especially, you know, it's part of the ongoing service. So I think you spoke to my under review my my colleague, sorry, Dana, last year. So I'll have a look at that cash flow and budget. But definitely it's something we can do to have a bit of a review at and see if we can make any changes. I'll check with with her and the team if we have that one and have a bit of review at it because definitely sometimes there can be obviously changes through it. When it comes to personal investments, we we can obviously do recommendations on different investments and structures and stuff like that. That would be good. So whether that would be that's typically, like, if you want us to manage it. So that would be more your your personal investments or investment bonds and stuff like that. Then we would obviously do the research and make a recommendation on how to manage it. But I also have clients who just want to do their own investment. Because, obviously, we don't have, I guess, responsibility of managing those, it does become a little bit tricky. But in some areas where it's like, okay. Let's say you want to look at some investments and you just want a bit more research materials and and stuff like that, because we have access to all the research houses, I can very easily generate reports for you. So if you go, hey. I'm looking at doing, you know, this portfolio. What would that look like? Because it's not something we would What would that look like? Because it's not something we would manage, I can't tell you directly yes or no because, ultimately, we don't have then the responsibility of managing that. But what I can do is I can put it into our software in front of a port on that portfolio, and that would then spit out for you. It can be it can be quite in-depth of different risk allocations and performance and stuff like that based on the portfolio that you're looking at or if it's just individual investments as well. So you can always just send me an email if it's something that you you want some research so you can kind of have a look at things for you before doing it. That is perfectly fine. Sorry. I think I lost you there. Yeah. Oh, sometimes technology. So, yes, we can definitely do that. So I will get the team to draft up that fee disclosure statement and email it to you. Just obviously disclosing the fee that you have paid in the last twelve months. And then, obviously, if you are happy to stay on, it's just estimating for the next twelve months, but it is a percentage of your super balance, just that 1.65 for the time being anyway. And, like, unless your partner does come on board, and it is just deducted from super monthly for you. So, typically, the fees will show you a yearly just to make it easy, but it is deducted monthly, especially to make it more fair to you because of, obviously, market fluctuations and stuff like that. Okay. Yes. So, yeah, we definitely do personal investments. So whether that would be you know, there's a lot of different type of investments we can look at and manage for sure depending on, you know, time frames and and how much money you are looking at doing for sure. Definitely. More from a from a platform point of view, yes. So what amounts are you kind of looking at? Mhmm. Yeah. So most of the the platforms, because they are a little bit more, I guess, sophisticated, and there's a lot more you can do with it to make, obviously, the fees and everything worth it and to even get it set up. A lot of the investment accounts do require about 20,000 as a deposit. You then have investment bonds, which is a different form of investing where you have you heard much about it before? Investment bonds and stuff like that? It is. It is. And it's it's kind of weird because it kind of acts as a life insurance policy, but it's not because it's still part of investment. But it does that from, like, a tax point of view. So investment bonds, you can definitely have a lower amount. Sometimes we have people around more like your 10 or might even be able to do five, but, typically, it's more around the 10 to 15. There is one that's a little bit different. They're more your your long term investment. So the really good thing with investment bonds is that if it's a long term investment that you are wanting to have for, let's say, 10 or then they become really tax effective. Because when you sell it, you don't have to pay any capital gains tax on it, and then you don't have it doesn't get added to your personal tax either. So you don't pay any personal tax on it when you sell it. So that is obviously very different through your personal investment because, obviously, you would then have to pay your capital gains tax on it. And then when you you know, earnings and stuff like that will then be added to your taxable income. So it becomes really tax effective if we're looking at longer term investment. They still have, you know, options in terms of if you can still invest in a lot of different investment options, not as extensive as your personal investment account. There are some restrictions on some of them with, you know, how much regular contributions. And if you wanna take it out before the ten year, then it's not as tax effective. So it kind of depends on, you know, time frames and what your goals and stuff like that are. Otherwise, if you do just a little bit of investing yourself, because sometimes we have clients who just want to do a little bit investing themselves if they just have a couple of thousand as well. Most of your Comtech and other platforms, they don't really have a a minimum or it's a lot lower. So you can definitely do, like, a thousand and stuff like that. But because it's it's not it's a different kind of platform, we wouldn't be able to manage that for you. Yeah. Yeah. So so, hopefully, that helped them a little bit, though, for you. Yeah. Yeah. No. That's okay. So like I said, I'll get to the team through email you that fee disclosure statement. Is there anything else that you kind of need from us at the moment? I know here as well that we have you booked down to do quarterly review reviews moving forward as well to give a bit more communication. And, you know, if anything changes, we can always revisit things for you then or, obviously, at any point in time, if you go, you know what? Now I would like to do this, then we can definitely do all of that. And the last thing I was going to ask as well is your mortgage and stuff like that. When was the last time you guys had a refinance? Do you know? Mhmm. Yep. Yep. Do do you know do you know your account? Right? Yep. Perfect. And that's variable? Yeah. It it's up to you. It it's not it's not too bad. If it is you know, sometimes it's always worth checking. I always suggest through to get to get it reviewed each year just to see, especially as your property has gone up, especially from when you took the loan out. If there's more equity in it, then you can obviously lower that down so you can make it more affordable sometimes as well. If it how do you guys pay it? Is there a weekly, monthly, fortnightly? Weekly. Okay. Perfect. Because that sometimes as well can obviously speed things up a little bit by doing it weekly, so that's good. But if it is something that you are interested in, I can always get a mortgage broker to give you a call if you would like a bit of a review of your mortgage to see if they can find any better options for you? Yeah. Yeah. I mean, it doesn't hurt. Worst comes to worst. They'll do the research, and they say, do you know what? You're in a pretty good deal. We'll touch base a a bit later. And, you know, if they can find something better, that's great. So are you happy for me to pass on, obviously, your phone number and email address to them? Perfect. And do you have a best contact time I have here after 5PM at big time? Typically? Okay. So they're after, what, four to five. Any preference on any days? Like, oh, is it just Monday to Friday, typically, or Monday to Thursday? Yep. Okay. Perfect. I will send that off to them and get them through, give you a call. I'll also send an introduction email so that you have their contact details as well, but I'll get them through to reach out. But then that way, you have their details as well just to see if there's anything else that you can do with it. And, you know, if you do get through, you want us to review your personal investments a little bit more as well. If you have a little bit more potentially that you would like us to do, then just let us know. We can always do some some research in different things. Yep. Yep. Perfect. I will check-in with my my colleague who you would have done that with and see, but I can schedule you in any way for a follow-up in regards to that now while I have you on the phone if you would like just so it's all scheduled in there for you. Now let me see. Has it when was the last time you completed it? Was that a little while ago? Okay. Okay. Well, yeah, maybe the first point is I'll get them to resend it to you. Obviously, have a bit of review over it and see if anything's changed, do some tweaks, send it back. And then as soon as we get it back, we'll then get in touch to book in a catch up to review the cash flow budgeting in a little bit more kind of in-depth and see if there's anything else we can restructure for you. Yes. That is correct. No. That that that is correct. Sorry. It is a good one. So, yes, definitely, if, you know, your your partner does come on board as a client, not only will the ongoing advice fee be reduced for you because you're a couple, but because you referred him on as well, you will also get a $100 gift card to say thank you. Yeah. That will definitely be you know, if he signs on board, we already have that on record as you referred him. So, you know, if he does sign on board, then we already have that kind of noted on the account that you will then, you know, get that gift gift voucher to say thank you. Yeah. Veronica. No problem. No. Anything else that you do need, though, don't hesitate to give me a call. But, otherwise, keep a look at on that email with that free disclosure statement for you. No problem. No problem at all. Thanks, Leah. Okay. 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afternoon. Is this Leah? Yeah. This is Veronica from Oakview Financial. How are you this afternoon?\n\nThat's good. I had you booked in for a little bit of a catch up. Is now still a good time for you? Yes. Okay.\n\nPerfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and then address for me, please?\n\nYep. Perfect. And just your date of birth as well, please? Yep. Perfect.\n\nThank you so much for that. And how's your day been so far? I've been busy? Yeah. Okay.\n\nWell, I will try my best not to keep you for too long. Essentially, I did have you booked in for a bit of a catch up as I believe you had your annual review with my colleague, Michelle, a couple of weeks ago, and you had a couple of questions that you wanted to go through in a bit more detail. Is that right? He I had him booked in with me, but if your preference is through speak to Carl, then I can definitely see if he is available. Have you spoken to him before?\n\nOkay. Yeah. No. Maybe there was a bit of a a mix up there, but I had you booked in with myself if you're happy to still do that. Yeah.\n\nI am one of the advisers here. Yeah. Yeah. Okay. Perfect.\n\nAnd, yeah, sorry about the mix up there there for you. Like I said, if you do if you do prefer to speak to him, that is perfectly fine. I can always get you booked in with him as well. He's also one of our advisers here, but but so am I. So, yeah, it's up up to you.\n\nYes. Yes. I am. Yeah. Sorry.\n\nYeah. I know you did the interview with Michelle, and she is, yeah, one of the admin staff here. And, yeah, there's probably there was a few things in regards to advice. She may not have been able to assist you, but, yeah, hopefully, I can address all those questions for you today. Was there anything specific that you had that you wanted to go over?\n\nLet me see here. I I just have here that you wanted to talk about insurances, just in general, and maybe you wanted a mortgage review with the broker. Does that ring a bell? Okay. Yep.\n\nOkay. Yes. Okay. Yep. Yep.\n\nK. Yep. Yeah. And did you get the the email with all the attachments for your portfolio? Did you guys go through all that during the under review?\n\nDo you remember? Yep. Alright. Okay. Now let me see.\n\nDo you still have access through those documents at all? Or if not, I'll get it resent after the call today because it'll make it easier for you, obviously, if you can see those attachments as well and make sure you're happy with with all of that. Yeah. So the annual review pack part of that one, there will be a couple of attachments. So if you can have a look at those attachments there, that will be something that I can I'm happy to go through with you today, especially if that wasn't really gone through last time.\n\nSo definitely pass on that feedback if, yeah, if it wasn't really gone through in a in, you know, a lot of detail with you. Yep. So that will be the the first one there for you, which is just giving you a bit of a a rundown of your super and your insurances. So let me just open that one up for you. Yeah.\n\nPerfect. So as you can see there, when your document was prepared on the second of Feb, your super balance in Hub 24 was around 109,681. Is that something you kind of keep an eye on a bit? Are you in, you know, Hub 24? I'd have and you have the app on your phone as well?\n\nYep. Yep. Perfect. And then you have your insurances with OnePath as well. So you have your life insurance.\n\nAs you can see there, so that is just 1,516,854. And then you have your total permanent disability insurance. That is if you're totally and permanently disabled and unable to go back to work, that is 826,685. Are you quite happy with those amounts as well there for you? So that is if you were to pass away.\n\nSo if something were to happen to you, yeah, that would then be left to your beneficiary, so who you're you've nominated on your account. Now let me look into your account as well just to make sure yeah. Let me just triple check. So that will be yeah. If something were to happen to you and you'd pass away, that would then be left along with your superannuation.\n\nAnd then, yeah, the the TPD is if you are, you know, if you have two doctors who sign on of the fact that you can never go back to work again, then that's that's kind of a lump sum payment paid out to cover you, obviously, because you are not able to go back to work. Yeah. I do have here James listed at a 100%, and I have your non lapsing binding option nominated. What was that? Sorry?\n\nNo. Yep. Yeah. I can hear you. Can you hear me?\n\nYep. Perfect. So, yeah, we do have that in place, and then you also have your income protection. Now you have through still both with one pass, 3,292 per month and the other one of 2,383 per month, both with a ninety day waiting period. That would mean that you have to wait the ninety days until it would be paid out.\n\nAnd then you do have the benefit to the age of 70. Now you have all of that paid from within hub twenty four for you. Because of how it's structured, you do get a 15% tax rebate. And after the the rebate, it is $3,072 from your super. So you don't pay for those out of pocket per year.\n\nYes. For those three. Yes. Correct. Yeah.\n\nIt is it is fairly competitive. The the only thing is that it is a little bit more expensive than some potential new ones, and that is because you have an older policy. So a lot of the legislation and ruling around the insurances, they actually changed in 2021. The policies taken out before 2021 had a lot of grandfather benefits that are really good and exclude inclusive that new policies do not have. So exact exactly.\n\nRight. So if, like, for example, if we were to take out a new policy today, it might be a tiny bit cheaper, but you're not gonna have the same inclusion. So for example, today, you can't get an age 70 benefit. The max you can get is age 65. Also, some of some of the one portion that was taken out before, I think it was in 2017 for you, that one covers up to 75% of your income.\n\nYou can have covered any new policies taken out after 2021 if you only have 70%. And there's a lot of other built in inclusions, so it is very comprehensive. And, typically, the reason why they phased them out was because insurances were paying them out so much, so they were kind of going backwards. So they changed a lot of their inclusion. So especially having an older policy, it is great, and it's still quite affordable for what you have.\n\nAnd as long as it's, you know, still growing your student, which it is, I do think that it is very affordable for what you have, especially given you do have that older policies, which for you is really good. Yep. Now, obviously, if at any point in time you wanna change it, you know, just let us know. But, obviously, if we were to take out more cover or change it, it would mean that you would lose those older benefits. Yep.\n\nNow if you then wanna go through the which is the next attachment there for you that you can see? Yep. Yeah. So the one part COC, that is just your certificate of currency for your insurances. So, basically, it breaks down a little bit more information about the policy there for you.\n\nIt's basically what was outlined in the summary, but it just gives you a little bit more in-depth for you just so you have it. But it basically just tells you that, you know, it's paid and up to date. But, otherwise, that's what that one is. The the will information is just some general information in regards to a will if it is something that you are interested in. And the the IRR performance, yep, that one is the one that shows you the portfolio.\n\nSo that one here, it gives you just, like, a twelve month breakdown. So from the twenty fourth of Jan through the twenty third of Jan. Now it does look a little bit messy as you can see here because I do believe that when you spoke to my colleague, Dana, last year for under review, she kind of readjusted the risk profile for you that you were originally in your high growth portfolio, but you were willing to kind of look at increasing that to an aggressive portfolio. Obviously, given the time frame until retirement, you do have plenty of time to take advantage of trying to maximize that growth for you, and you are comfortable to take on a bit more, you know, fluctuations in the short term in order to achieve that higher return in the long term. So that's why it does look a lot little bit messier because you can see your buying and selling of the individual investment.\n\nSo it does factor in that, which is why it looks a little bit messier. But, otherwise, if you go to page two on that document, that basically shows you a little bit more easier the changes. And the the biggest one is if you look on the second column to your right where it says the internal rate of return. So that one here shows that your portfolio is after fees, obviously, factoring in the changes and stuff like that and all fees in your account, so adviser fees and everything like that. Your portfolio has still gone up by 7.53%, which is actually pretty good given what's also happened, you know, in the world lately and the market fluctuations and everything like that, especially with The US.\n\nSo it's definitely doing doing pretty good. And I can see that, obviously, Dana switched you out on a couple of those investments into some better performing ones as well. So that's kind yeah. That's okay. Yep.\n\nYep. So your highest one is the 17.81. Now that is the one that has a q o zed, the beta shares Raffi Australia. You can see that one? Yep.\n\nYeah. So that one is the one that's it basically invests in the 200 largest companies in Australia. But instead of it kind of being size, which is a lot of the investments just kind of follow an index based on the biggest companies based on size, they kind of do the research more on the fundamental measures of the company. So, like, they look at the sales and cash flow and book value instead. So it's a different way to truthing the investment that goes into it.\n\nThey're still focusing on the Australian equity component. So that one was your the biggest performer, which is at 17.81 percent. Yes. Actually, no. You had need a bigger one, which is a gold, which is a mortgage alternative investment, but that one actually went up at 52.4%, which is crazy.\n\nWe've obviously seen a lot of things with with gold. So yeah. So that's actually at 5252.4%. It's more kind of a an option. So, obviously, instead of having physical gold, it's just via the air stock exchange.\n\nSo you obviously don't have to, like, store the gold, but but, yes, if you ETF, invest in gold. No. You can definitely so the good thing with obviously, there's lots of different ways that you can buy shares yourself. So Hub twenty four, they do have a personal investment account that you can do through Hub twenty four. There's a lot of different platforms that do it.\n\nYou can obviously do your kind of trading accounts yourself as well. So some people use, like, Consec. Like, there's a lot of, you know, your your cheaper platforms if you just wanna do some investing yourself. And then, obviously, depending on what the investments are available on each platform, most of them tend to have basically everything that you can see in your Hub twenty four super account at the moment because that's obviously all listed there for you. You can access all of them on most platforms.\n\nAnd then other platforms, you can invest in other things as well that you can't do in superannuation. So if there are specific, you know, crypto investments or or other things that you are really interested in, you can get access to that on other platforms that may not be available in hub twenty four. But, basically, everything that you can see in your portfolio, most other platforms, if you wanna do personal investments, you can definitely access yourself. But then you can also invest in your direct shares and stuff like that as well if it's, you know, obviously something that you are interested in. But we mainly have you in your ETF because they're kind of your your low cost options.\n\nThey're a little bit cheaper, but very diversified for you as well. It is a it is a very good question, and it is very hard to answer because it depends it depends what your goals are by the time you retire. So, typically, it's like, okay. Well, by the time you retire, how much do you want to achieve? Also, what's your income at the moment and where things are at?\n\nBut if you want a bit more of a just a general based on your current age, this is where most people tend to sit. I can get that information for you if you just bear with me for a second. Because, yeah, there's a lot that goes into it, but sometimes people just want, like, okay. Well, you know, the the average person in my age, what would that typically look like? And Aetna does publish all of that as well of, you know, using all the statistics in Sorry.\n\nLet me see if I can find that for you. So, again, this is obviously just like a generalized information, what they say. But, basically, for, I guess, kind of, like, a key benchmark, if you round the 35 to 39 h, for women, it tend to sit at around 71 to 87,000. So you are obviously above that, which is great. Again, obviously, it depends on, you know, how much between now and you retire, what's your contributions like, what's your income, what your insurances, and stuff like that.\n\nBut if you're looking at an an average of, okay, well, where are most, you know, 37 year olds and, you know, between that 35 and 39, where do they typically sit? It's around. For for women, it's 71 to 87, and for men, it's about 90 to a 130. So you're definitely kind of doing good doing good on where you're at at the moment. And the way that, obviously, we do have your portfolio construction, trying to maximize that, that, you're definitely, you know, doing the right thing to kinda get you through where your retirement goals needs to be as soon as you can as well.\n\nBecause, especially, the sooner you do it, then you take advantage of all the compounding and stuff like that, which, obviously, with time, you know, changes things even more. Does that make sense? Yeah. Of course. Yep.\n\nYep. Yep. Yeah. So, yeah, there's definitely a truth to it. There is absolutely nothing tying us to Hub twenty four as well.\n\nNow, typically, for for me to tell you exactly, I think that you should stay with hub twenty four because that is personalized. I'll have to go and do the research on that. But aside from that, I use hub twenty four personally for my superannuation. I do research on Hub twenty four and similar competitors every single day. And, basically, most of them comes out with Hub twenty four is still very competitive when it comes to the the fees and feature options.\n\nSo, typically, when we are comparing similar options like Macquarie and Netwealth, the more sophisticated platforms that can allow you the same investment options that Hub twenty four, Hub twenty four tends to come out with very competitive when it comes to the fee. Fee. So they're they're still very good. And like I said, I use it as well, but it is something that we're always, you know, researching. Because like you said, as well, there's absolutely nothing tying us to Hub twenty four or any other super funds.\n\nIf there's, like, a new option that comes out that's going to be cheaper and give you more, then we will, you know, recommend to move you if it if it's appropriate for you at the time. Yep. And with the making contributions into superannuation, there's two ways that typically people would do it. The first way is have you ever used a pay calculator? Yes.\n\nPerfect. So that is usually the first way because typically people would go go with, okay. I have this amount of weight in savings that I'm willing to put in, and then we would then work out, okay. Well, if you you know, like, I think I have here that you save about $250 a week. Is that right?\n\nYeah. So let's say, like, obviously, the first thing is making sure you have excess saving in order to make contributions into superannuation. That's the first thing. Because, obviously, it will be taken from your pretax money going into superannuation, and it will be locked in until you meet a condition of the lease. That is typically turning 60 and retiring or 65 if you're still working.\n\nSo that's the downside is, obviously, it gets locked in onto so if if you need it, you can't access it. It's locked in in superannuation. But the good thing with it is that it obviously contributes to your retirement and your superannuation, so that is fantastic. And the other really good thing as well is that contributions going into superannuation is only taxed at 15%. And, obviously what was that?\n\nSorry. Yes. Yes. Yep. Yes.\n\nYou can start tomorrow and stop two days' time because it's it's you your choice. It's different of the employer contributions. It is a requirement that they have to do it, but you can you can contribute in different ways. So you can do, like, a salary sacrifice contribution. So that's obviously telling your employer.\n\nIs that how you did it before? Mhmm. Mhmm. Yes. Yes.\n\nExactly. So that's how most people would do it because it comes out pretty regularly. So, obviously, depending on how your employer pays pay paid, whether that is, you know, weekly or monthly or quarterly. It will then kind of be your regular contribution going into superannuation pretax. So, obviously, you save the tax because it's before tax money instead reduces your taxable income, so that is great.\n\nThe other good thing with doing it as a salary sacrifice is because you are making the regular contributions, which then takes advantage of kind of, you know, dollar cost averaging into super, sorry, that the up and down of the market. Sometimes you're making contributions. The prices might be a little bit higher, other times a little bit lower, but it kind of smooths that out for you by doing the regular contribution. The other way you can do it is if you don't wanna do it with employer and you just wanna it ad hoc yourself, you can still do that. Obviously, it would be after tax money.\n\nSo let's say you have a little bit of money in your bank account and you wanna put that into super, you can definitely do so. But because that is an after tax, what we can do for you that if you have space to do so, we can then help you claim a notice of intent before the end of the financial year, which you then basically change the contribution from after tax to pretax into if that makes sense. So the the biggest thing to remember is the contribution cap of pretax, which is 30,000 at the moment, and that includes your employer contribution. So you definitely have a a bit of space if you want to obviously do the pretax. That's why most people do it.\n\nSome people, as you get, you know, older in in life and stuff like that, they do it after tax anyway because they still wanna boost the super, but most younger clients would do it for the tax advantage by also boosting your superannuation. Salary sacrifice. Yes. So we can either you can either just call or, obviously, let your employee know that this is how much you want to do, or I can also get the team to draft up a letter for you to say, hey. I would like to start salary sacrificing this amount, and then you can just forward that onto your employer.\n\nEither way, whatever works for you. But, yeah, that would be through your employer. If you wanna do, like, the works for you. But, yeah, that would be through your employer. If you wanna do, like, the ad hoc contributions after tax and then change it, you can just give us a call, and then we can send you the information on how to do that.\n\nMhmm. Yeah. It's no. It's pretty good, but then you look, obviously, boost that and the money's invested, which again will add to compounding. And it's something you can change whenever.\n\nSo if your circumstances change and you go, oh, no. It actually makes a big difference. I need that money. Tell your employer that's offered. Or if you go, you know, if you start a little bit less and you go, oh, okay.\n\nWell, I'm I'm doing pretty good with my my savings. I can still keep up. Actually, maybe I can put a little bit more in. You can just tell your employer to change it. Like, it it's not like that's like, your other employer contributions.\n\nYou can change it. The only thing I would say, keep keep an eye on that 30,000. And if it is that you come across a lump sum that you wanna put in for some reason, just give me a call or call because then I can always work the numbers. And there is a way as well that if you have unused cap space from previous years that you can kind of forward some of that and use it. So if, you know, there's ever a situation where you do come across a bit of a lump sum and you go, you know what?\n\nI wanna put a bit in super, but I would like to do it, you know, before technically, if I can. Just give me a call, and I'll run through the numbers and see, you know, how much we can look at doing if, you know, that situation ever do. Alright. It yeah. So it is a very question.\n\nIt is under each employer. Sorry. Most employers offer salary sacrifice through superannuation. That is the most common. It's not a requirement that they have to offer it, but it's very, very few employers who don't.\n\nAnd the only ones I've kind of come across who don't do it is if it's a really, really small business and, like, the accounting stuff is not super sophisticated, and they just don't. But, otherwise, most most employers do offer salary sacrifice. There are other employers, and they tend to be more for government jobs or sometimes nursing and and stuff like that. Jobs or sometimes nursing and and stuff like that where they offer salary sacrifice in different areas. So some employers will offer salary sacrifice for mortgages and bills and payments and stuff like that, but it kind of depends on each employer.\n\nBut it's definitely worth checking with them to see if it's not something you have done already to see if they do any salary packaging and stuff like that. Some employers do, but most only do salary sacrifice to suit stuff. Yep. Yep. Yep.\n\nYes. So yep. Perfect. So that will be let me see if you were sent that. So that will be part of let me see if I can get that here.\n\nThat ongoing service agreement was the one that it would ask you to sign. So the ongoing service agreement would be, you know, if you are happy to stay on board of the claim, it will then enter into an ongoing service agreement for us to service your account. Obviously, you can cancel whenever you want to if, at the end point in time, not happy with the services, but it is something you have to sign every twelve months. Otherwise, we just cannot keep charging you. It is a percentage of your super, so 1.65% of your superannuation.\n\nBut let me see if I can see it on this report here. Here. If not, I can just so I don't waste your time, I can get 15 to generate that for you, a fee disclosure statement even to see how much you have paid in the last twelve months and then estimating for the next twelve months, if that will be helpful for you. I can get them to draft that and send that through to you. Yeah?\n\nYeah. Yes. Yes. Yeah. Of course.\n\nAnd, you know, by all means, we wanna make sure that you are happy and look after you at the end of the day, but there is no looking contract. So if at any point in time you're not happy and don't want to stay on, that is completely up to you, obviously. Now I can see here as well that I do think your your partner is booked in to do some research as well. And with with couple fees as well, we have recently changed the structures for couples. So if it is that we have three people on board, so instead of you paying 1.65%, it will be reduced for 1.1 for both of you to make it a little bit more affordable as well if he, you know, decides to come on board.\n\nThat would apply to you as well. Yeah. Yeah. And they will go they will go through all of that with with him as well, you know, in during the process. Yeah.\n\nNo. That's okay. Yep. Yep. Yeah.\n\nYep. Yep. Yep. Right. Yeah.\n\nYeah. Yeah. I well, especially, you know, it's part of the ongoing service. So I think you spoke to my under review my my colleague, sorry, Dana, last year. So I'll have a look at that cash flow and budget.\n\nBut definitely it's something we can do to have a bit of a review at and see if we can make any changes. I'll check with with her and the team if we have that one and have a bit of review at it because definitely sometimes there can be obviously changes through it. When it comes to personal investments, we we can obviously do recommendations on different investments and structures and stuff like that. That would be good. So whether that would be that's typically, like, if you want us to manage it.\n\nSo that would be more your your personal investments or investment bonds and stuff like that. Then we would obviously do the research and make a recommendation on how to manage it. But I also have clients who just want to do their own investment. Because, obviously, we don't have, I guess, responsibility of managing those, it does become a little bit tricky. But in some areas where it's like, okay.\n\nLet's say you want to look at some investments and you just want a bit more research materials and and stuff like that, because we have access to all the research houses, I can very easily generate reports for you. So if you go, hey. I'm looking at doing, you know, this portfolio. What would that look like? Because it's not something we would What would that look like?\n\nBecause it's not something we would manage, I can't tell you directly yes or no because, ultimately, we don't have then the responsibility of managing that. But what I can do is I can put it into our software in front of a port on that portfolio, and that would then spit out for you. It can be it can be quite in-depth of different risk allocations and performance and stuff like that based on the portfolio that you're looking at or if it's just individual investments as well. So you can always just send me an email if it's something that you you want some research so you can kind of have a look at things for you before doing it. That is perfectly fine.\n\nSorry. I think I lost you there. Yeah. Oh, sometimes technology. So, yes, we can definitely do that.\n\nSo I will get the team to draft up that fee disclosure statement and email it to you. Just obviously disclosing the fee that you have paid in the last twelve months. And then, obviously, if you are happy to stay on, it's just estimating for the next twelve months, but it is a percentage of your super balance, just that 1.65 for the time being anyway. And, like, unless your partner does come on board, and it is just deducted from super monthly for you. So, typically, the fees will show you a yearly just to make it easy, but it is deducted monthly, especially to make it more fair to you because of, obviously, market fluctuations and stuff like that.\n\nOkay. Yes. So, yeah, we definitely do personal investments. So whether that would be you know, there's a lot of different type of investments we can look at and manage for sure depending on, you know, time frames and and how much money you are looking at doing for sure. Definitely.\n\nMore from a from a platform point of view, yes. So what amounts are you kind of looking at? Mhmm. Yeah. So most of the the platforms, because they are a little bit more, I guess, sophisticated, and there's a lot more you can do with it to make, obviously, the fees and everything worth it and to even get it set up.\n\nA lot of the investment accounts do require about 20,000 as a deposit. You then have investment bonds, which is a different form of investing where you have you heard much about it before? Investment bonds and stuff like that? It is. It is.\n\nAnd it's it's kind of weird because it kind of acts as a life insurance policy, but it's not because it's still part of investment. But it does that from, like, a tax point of view. So investment bonds, you can definitely have a lower amount. Sometimes we have people around more like your 10 or might even be able to do five, but, typically, it's more around the 10 to 15. There is one that's a little bit different.\n\nThey're more your your long term investment. So the really good thing with investment bonds is that if it's a long term investment that you are wanting to have for, let's say, 10 or then they become really tax effective. Because when you sell it, you don't have to pay any capital gains tax on it, and then you don't have it doesn't get added to your personal tax either. So you don't pay any personal tax on it when you sell it. So that is obviously very different through your personal investment because, obviously, you would then have to pay your capital gains tax on it.\n\nAnd then when you you know, earnings and stuff like that will then be added to your taxable income. So it becomes really tax effective if we're looking at longer term investment. They still have, you know, options in terms of if you can still invest in a lot of different investment options, not as extensive as your personal investment account. There are some restrictions on some of them with, you know, how much regular contributions. And if you wanna take it out before the ten year, then it's not as tax effective.\n\nSo it kind of depends on, you know, time frames and what your goals and stuff like that are. Otherwise, if you do just a little bit of investing yourself, because sometimes we have clients who just want to do a little bit investing themselves if they just have a couple of thousand as well. Most of your Comtech and other platforms, they don't really have a a minimum or it's a lot lower. So you can definitely do, like, a thousand and stuff like that. But because it's it's not it's a different kind of platform, we wouldn't be able to manage that for you.\n\nYeah. Yeah. So so, hopefully, that helped them a little bit, though, for you. Yeah. Yeah.\n\nNo. That's okay. So like I said, I'll get to the team through email you that fee disclosure statement. Is there anything else that you kind of need from us at the moment? I know here as well that we have you booked down to do quarterly review reviews moving forward as well to give a bit more communication.\n\nAnd, you know, if anything changes, we can always revisit things for you then or, obviously, at any point in time, if you go, you know what? Now I would like to do this, then we can definitely do all of that. And the last thing I was going to ask as well is your mortgage and stuff like that. When was the last time you guys had a refinance? Do you know?\n\nMhmm. Yep. Yep. Do do you know do you know your account? Right?\n\nYep. Perfect. And that's variable? Yeah. It it's up to you.\n\nIt it's not it's not too bad. If it is you know, sometimes it's always worth checking. I always suggest through to get to get it reviewed each year just to see, especially as your property has gone up, especially from when you took the loan out. If there's more equity in it, then you can obviously lower that down so you can make it more affordable sometimes as well. If it how do you guys pay it?\n\nIs there a weekly, monthly, fortnightly? Weekly. Okay. Perfect. Because that sometimes as well can obviously speed things up a little bit by doing it weekly, so that's good.\n\nBut if it is something that you are interested in, I can always get a mortgage broker to give you a call if you would like a bit of a review of your mortgage to see if they can find any better options for you? Yeah. Yeah. I mean, it doesn't hurt. Worst comes to worst.\n\nThey'll do the research, and they say, do you know what? You're in a pretty good deal. We'll touch base a a bit later. And, you know, if they can find something better, that's great. So are you happy for me to pass on, obviously, your phone number and email address to them?\n\nPerfect. And do you have a best contact time I have here after 5PM at big time? Typically? Okay. So they're after, what, four to five.\n\nAny preference on any days? Like, oh, is it just Monday to Friday, typically, or Monday to Thursday? Yep. Okay. Perfect.\n\nI will send that off to them and get them through, give you a call. I'll also send an introduction email so that you have their contact details as well, but I'll get them through to reach out. But then that way, you have their details as well just to see if there's anything else that you can do with it. And, you know, if you do get through, you want us to review your personal investments a little bit more as well. If you have a little bit more potentially that you would like us to do, then just let us know.\n\nWe can always do some some research in different things. Yep. Yep. Perfect. I will check-in with my my colleague who you would have done that with and see, but I can schedule you in any way for a follow-up in regards to that now while I have you on the phone if you would like just so it's all scheduled in there for you.\n\nNow let me see. Has it when was the last time you completed it? Was that a little while ago? Okay. Okay.\n\nWell, yeah, maybe the first point is I'll get them to resend it to you. Obviously, have a bit of review over it and see if anything's changed, do some tweaks, send it back. And then as soon as we get it back, we'll then get in touch to book in a catch up to review the cash flow budgeting in a little bit more kind of in-depth and see if there's anything else we can restructure for you. Yes. That is correct.\n\nNo. That that that is correct. Sorry. It is a good one. So, yes, definitely, if, you know, your your partner does come on board as a client, not only will the ongoing advice fee be reduced for you because you're a couple, but because you referred him on as well, you will also get a $100 gift card to say thank you.\n\nYeah. That will definitely be you know, if he signs on board, we already have that on record as you referred him. So, you know, if he does sign on board, then we already have that kind of noted on the account that you will then, you know, get that gift gift voucher to say thank you. Yeah. Veronica.\n\nNo problem. No. Anything else that you do need, though, don't hesitate to give me a call. But, otherwise, keep a look at on that email with that free disclosure statement for you. No problem.\n\nNo problem at all. Thanks, Leah. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":4.08,"end":4.64,"sentiment":"neutral","sentiment_score":0.29698115587234497},{"text":"Is this Leah?","start":4.64,"end":5.62,"sentiment":"neutral","sentiment_score":0.11832887182633083},{"text":"Yeah.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.10627855360507964},{"text":"This is Veronica from Oakview Financial.","start":7.68,"end":9.78,"sentiment":"neutral","sentiment_score":0.16722160577774048},{"text":"How are you this afternoon?","start":9.84,"end":10.9,"sentiment":"neutral","sentiment_score":0.20188242793083191}],"sentiment":"neutral","sentiment_score":0.1804687797146685,"num_words":17,"start":4.08,"end":10.9},{"sentences":[{"text":"That's good.","start":13.04,"end":13.725,"sentiment":"positive","sentiment_score":0.6945911645889282},{"text":"I had you booked in for a little bit of a catch up.","start":14.365001,"end":17.005001,"sentiment":"positive","sentiment_score":0.346976386813017},{"text":"Is now still a good time for you?","start":17.005001,"end":18.705,"sentiment":"neutral","sentiment_score":0.30298785492777824},{"text":"Yes.","start":20.045,"end":20.445,"sentiment":"neutral","sentiment_score":0.12386085838079453},{"text":"Okay.","start":20.445,"end":20.845001,"sentiment":"neutral","sentiment_score":0.2203817069530487}],"sentiment":"positive","sentiment_score":0.34672083050012587,"num_words":25,"start":13.04,"end":20.845001},{"sentences":[{"text":"Perfect.","start":20.845001,"end":21.345001,"sentiment":"positive","sentiment_score":0.42820674180984497},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":21.725,"end":29.65,"sentiment":"neutral","sentiment_score":0.06904706154619494},{"text":"Yep.","start":30.75,"end":31.15,"sentiment":"neutral","sentiment_score":0.1096113920211792},{"text":"Perfect.","start":31.15,"end":31.63,"sentiment":"neutral","sentiment_score":0.29354649782180786},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and then address for me, please?","start":31.63,"end":38.61,"sentiment":"neutral","sentiment_score":0.08869406856872418}],"sentiment":"neutral","sentiment_score":0.08797644903181029,"num_words":61,"start":20.845001,"end":38.61},{"sentences":[{"text":"Yep.","start":43.555,"end":43.875,"sentiment":"neutral","sentiment_score":0.09332594275474548},{"text":"Perfect.","start":43.875,"end":44.355,"sentiment":"neutral","sentiment_score":0.2459186613559723},{"text":"And just your date of birth as well, please?","start":44.355,"end":46.615,"sentiment":"neutral","sentiment_score":0.08492650919490391},{"text":"Yep.","start":48.995,"end":49.395,"sentiment":"neutral","sentiment_score":0.08163931965827942},{"text":"Perfect.","start":49.395,"end":49.795,"sentiment":"positive","sentiment_score":0.36716896295547485}],"sentiment":"neutral","sentiment_score":0.11941472842143132,"num_words":13,"start":43.555,"end":49.795},{"sentences":[{"text":"Thank you so much for that.","start":49.795,"end":51.075,"sentiment":"positive","sentiment_score":0.5594060868024826},{"text":"And how's your day been so far?","start":51.075,"end":52.355,"sentiment":"neutral","sentiment_score":0.24079105470861709},{"text":"I've been busy?","start":52.355,"end":53.255,"sentiment":"neutral","sentiment_score":-0.09244435280561447},{"text":"Yeah.","start":54.915,"end":55.23,"sentiment":"neutral","sentiment_score":-0.020399190485477448},{"text":"Okay.","start":55.79,"end":56.19,"sentiment":"neutral","sentiment_score":-0.01406566984951496}],"sentiment":"neutral","sentiment_score":0.26278755472352106,"num_words":18,"start":49.795,"end":56.19},{"sentences":[{"text":"Well, I will try my best not to keep you for too long.","start":56.19,"end":59.01,"sentiment":"neutral","sentiment_score":-0.13279015169693872},{"text":"Essentially, I did have you booked in for a bit of a catch up as I believe you had your annual review with my colleague, Michelle, a couple of weeks ago, and you had a couple of questions that you wanted to go through in a bit more detail.","start":59.63,"end":71.265,"sentiment":"neutral","sentiment_score":0.03859695383556643},{"text":"Is that right?","start":71.265,"end":72.085,"sentiment":"neutral","sentiment_score":0.04793045421441396},{"text":"He I had him booked in with me, but if your preference is through speak to Carl, then I can definitely see if he is available.","start":78.625,"end":86.689995,"sentiment":"neutral","sentiment_score":0.029105105294057958},{"text":"Have you spoken to him before?","start":86.689995,"end":88.149994,"sentiment":"neutral","sentiment_score":-0.004535531314710776}],"sentiment":"neutral","sentiment_score":0.010704017301886967,"num_words":97,"start":56.19,"end":88.149994},{"sentences":[{"text":"Okay.","start":96.875,"end":97.195,"sentiment":"neutral","sentiment_score":0.003168981522321701},{"text":"Yeah.","start":97.195,"end":97.674995,"sentiment":"neutral","sentiment_score":-0.01586901769042015},{"text":"No.","start":97.674995,"end":97.994995,"sentiment":"neutral","sentiment_score":-0.09738026559352876},{"text":"Maybe there was a bit of a a mix up there, but I had you booked in with myself if you're happy to still do that.","start":97.994995,"end":105.375,"sentiment":"neutral","sentiment_score":-0.07552396072647892},{"text":"Yeah.","start":114.659996,"end":114.979996,"sentiment":"negative","sentiment_score":-0.3625800609588623}],"sentiment":"neutral","sentiment_score":-0.08120944472029805,"num_words":30,"start":96.875,"end":114.979996},{"sentences":[{"text":"I am one of the advisers here.","start":114.979996,"end":116.84,"sentiment":"negative","sentiment_score":-0.41199667538915363},{"text":"Yeah.","start":117.7,"end":118.2,"sentiment":"neutral","sentiment_score":0.13314156234264374},{"text":"Yeah.","start":118.81999,"end":119.21999,"sentiment":"neutral","sentiment_score":0.16620305180549622},{"text":"Okay.","start":119.21999,"end":119.619995,"sentiment":"neutral","sentiment_score":0.3084963858127594},{"text":"Perfect.","start":119.619995,"end":119.939995,"sentiment":"positive","sentiment_score":0.5355651378631592}],"sentiment":"neutral","sentiment_score":-0.15823368999091061,"num_words":11,"start":114.979996,"end":119.939995},{"sentences":[{"text":"And, yeah, sorry about the mix up there there for you.","start":119.939995,"end":122.35999,"sentiment":"neutral","sentiment_score":0.08058492907068947},{"text":"Like I said, if you do if you do prefer to speak to him, that is perfectly fine.","start":122.5,"end":126.025,"sentiment":"neutral","sentiment_score":0.3328809386326207},{"text":"I can always get you booked in with him as well.","start":126.025,"end":128.505,"sentiment":"positive","sentiment_score":0.5010344088077545},{"text":"He's also one of our advisers here, but but so am I.","start":128.505,"end":131.385,"sentiment":"neutral","sentiment_score":0.21881928046544394},{"text":"So, yeah, it's up up to you.","start":131.385,"end":133.725,"sentiment":"neutral","sentiment_score":0.2851028506244932}],"sentiment":"neutral","sentiment_score":0.2883257785085904,"num_words":59,"start":119.939995,"end":133.725},{"sentences":[{"text":"Yes.","start":137.065,"end":137.565,"sentiment":"neutral","sentiment_score":0.13889168202877045},{"text":"Yes.","start":138.58499,"end":138.905,"sentiment":"neutral","sentiment_score":0.12363956868648528},{"text":"I am.","start":138.905,"end":139.5,"sentiment":"neutral","sentiment_score":0.11511260643601418},{"text":"Yeah.","start":139.58,"end":139.74,"sentiment":"neutral","sentiment_score":0.05317091196775437},{"text":"Sorry.","start":139.74,"end":140.24,"sentiment":"neutral","sentiment_score":-0.0008754730224609375}],"sentiment":"neutral","sentiment_score":0.09084198375542958,"num_words":6,"start":137.065,"end":140.24},{"sentences":[{"text":"Yeah.","start":140.46,"end":140.62,"sentiment":"neutral","sentiment_score":0.033266425132751465},{"text":"I know you did the interview with Michelle, and she is, yeah, one of the admin staff here.","start":140.62,"end":145.1,"sentiment":"neutral","sentiment_score":0.04551556727124585},{"text":"And, yeah, there's probably there was a few things in regards to advice.","start":145.1,"end":149.6,"sentiment":"neutral","sentiment_score":-0.010205619610272922},{"text":"She may not have been able to assist you, but, yeah, hopefully, I can address all those questions for you today.","start":150.54,"end":155.435,"sentiment":"neutral","sentiment_score":0.05834114888594264},{"text":"Was there anything specific that you had that you wanted to go over?","start":158.695,"end":162.155,"sentiment":"neutral","sentiment_score":0.06585102155804634}],"sentiment":"neutral","sentiment_score":0.042440924059712525,"num_words":66,"start":140.46,"end":162.155},{"sentences":[{"text":"Let me see here.","start":168.84,"end":169.88,"sentiment":"neutral","sentiment_score":0.011418226640671492},{"text":"I I just have here that you wanted to talk about insurances, just in general, and maybe you wanted a mortgage review with the broker.","start":169.88,"end":180.46,"sentiment":"neutral","sentiment_score":0.05119831919670105},{"text":"Does that ring a bell?","start":180.84,"end":182.145,"sentiment":"neutral","sentiment_score":0.030798377096652986},{"text":"Okay.","start":187.245,"end":187.745,"sentiment":"neutral","sentiment_score":-0.009747900068759918},{"text":"Yep.","start":191.965,"end":192.465,"sentiment":"neutral","sentiment_score":-0.06524937599897385}],"sentiment":"neutral","sentiment_score":0.03901737488599287,"num_words":36,"start":168.84,"end":192.465},{"sentences":[{"text":"Okay.","start":198.03,"end":198.53,"sentiment":"neutral","sentiment_score":-0.07822246849536896},{"text":"Yes.","start":206.35,"end":206.655,"sentiment":"neutral","sentiment_score":-0.06646883487701416},{"text":"Okay.","start":210.495,"end":210.995,"sentiment":"neutral","sentiment_score":0.0002727620303630829},{"text":"Yep.","start":211.455,"end":211.955,"sentiment":"neutral","sentiment_score":0.01325119286775589},{"text":"Yep.","start":212.735,"end":213.235,"sentiment":"neutral","sentiment_score":0.016871940344572067}],"sentiment":"neutral","sentiment_score":-0.022859081625938416,"num_words":5,"start":198.03,"end":213.235},{"sentences":[{"text":"K.","start":221.775,"end":222.03,"sentiment":"neutral","sentiment_score":0.04894264787435531},{"text":"Yep.","start":222.51,"end":223.01,"sentiment":"neutral","sentiment_score":0.11972460150718688},{"text":"Yeah.","start":225.55,"end":226.05,"sentiment":"neutral","sentiment_score":0.0562342032790184},{"text":"And did you get the the email with all the attachments for your portfolio?","start":226.11,"end":233.41,"sentiment":"neutral","sentiment_score":0.03546735990260329},{"text":"Did you guys go through all that during the under review?","start":233.70999,"end":236.57501,"sentiment":"neutral","sentiment_score":0.016020187430761078}],"sentiment":"neutral","sentiment_score":0.03205951975126352,"num_words":28,"start":221.775,"end":236.57501},{"sentences":[{"text":"Do you remember?","start":236.71501,"end":237.455,"sentiment":"neutral","sentiment_score":-0.014666739230354628},{"text":"Yep.","start":238.395,"end":238.895,"sentiment":"negative","sentiment_score":-0.4236499071121216},{"text":"Alright.","start":239.91501,"end":240.41501,"sentiment":"neutral","sentiment_score":0.06082950159907341},{"text":"Okay.","start":240.475,"end":240.975,"sentiment":"neutral","sentiment_score":0.13647755980491638},{"text":"Now let me see.","start":241.755,"end":242.63501,"sentiment":"neutral","sentiment_score":0.13101585768163204}],"sentiment":"neutral","sentiment_score":0.02537203673273325,"num_words":10,"start":236.71501,"end":242.63501},{"sentences":[{"text":"Do you still have access through those documents at all?","start":242.63501,"end":245.755,"sentiment":"neutral","sentiment_score":0.08571413122117519},{"text":"Or if not, I'll get it resent after the call today because it'll make it easier for you, obviously, if you can see those attachments as well and make sure you're happy with with all of that.","start":245.755,"end":255.77,"sentiment":"positive","sentiment_score":0.3550482847400614},{"text":"Yeah.","start":264.63,"end":264.87,"sentiment":"neutral","sentiment_score":0.14618487656116486},{"text":"So the annual review pack part of that one, there will be a couple of attachments.","start":264.87,"end":269.825,"sentiment":"neutral","sentiment_score":0.2079020906239748},{"text":"So if you can have a look at those attachments there, that will be something that I can I'm happy to go through with you today, especially if that wasn't really gone through last time.","start":270.125,"end":280.045,"sentiment":"positive","sentiment_score":0.4346316165157727}],"sentiment":"neutral","sentiment_score":0.3300874015372811,"num_words":99,"start":242.63501,"end":280.045},{"sentences":[{"text":"So definitely pass on that feedback if, yeah, if it wasn't really gone through in a in, you know, a lot of detail with you.","start":280.045,"end":287.94,"sentiment":"neutral","sentiment_score":0.20893139153718948},{"text":"Yep.","start":291.84,"end":292.24002,"sentiment":"neutral","sentiment_score":0.142775297164917},{"text":"So that will be the the first one there for you, which is just giving you a bit of a a rundown of your super and your insurances.","start":292.24002,"end":299.865,"sentiment":"neutral","sentiment_score":0.16195885890296527},{"text":"So let me just open that one up for you.","start":302.165,"end":304.645,"sentiment":"neutral","sentiment_score":-0.10073233507573605},{"text":"Yeah.","start":304.645,"end":305.045,"sentiment":"neutral","sentiment_score":0.14255458116531372}],"sentiment":"neutral","sentiment_score":0.1390175286967021,"num_words":65,"start":280.045,"end":305.045},{"sentences":[{"text":"Perfect.","start":305.045,"end":305.525,"sentiment":"neutral","sentiment_score":0.3173385560512543},{"text":"So as you can see there, when your document was prepared on the second of Feb, your super balance in Hub 24 was around 109,681.","start":305.525,"end":316.34,"sentiment":"neutral","sentiment_score":0.15968492209911347},{"text":"Is that something you kind of keep an eye on a bit?","start":316.56,"end":318.88,"sentiment":"neutral","sentiment_score":0.0817440077662468},{"text":"Are you in, you know, Hub 24?","start":318.88,"end":320.63998,"sentiment":"neutral","sentiment_score":0.04217554735285895},{"text":"I'd have and you have the app on your phone as well?","start":320.63998,"end":322.98,"sentiment":"neutral","sentiment_score":0.08491952096422513}],"sentiment":"neutral","sentiment_score":0.11587110148710117,"num_words":57,"start":305.045,"end":322.98},{"sentences":[{"text":"Yep.","start":324.0,"end":324.32,"sentiment":"neutral","sentiment_score":0.1629331111907959},{"text":"Yep.","start":324.32,"end":324.72,"sentiment":"neutral","sentiment_score":0.2503800392150879},{"text":"Perfect.","start":324.72,"end":325.22,"sentiment":"positive","sentiment_score":0.5487384796142578},{"text":"And then you have your insurances with OnePath as well.","start":326.08,"end":329.595,"sentiment":"neutral","sentiment_score":0.2936025708913803},{"text":"So you have your life insurance.","start":329.815,"end":331.995,"sentiment":"neutral","sentiment_score":0.22396829227606455}],"sentiment":"neutral","sentiment_score":0.2758887943468596,"num_words":19,"start":324.0,"end":331.995},{"sentences":[{"text":"As you can see there, so that is just 1,516,854.","start":332.055,"end":337.995,"sentiment":"neutral","sentiment_score":0.16779008358716965},{"text":"And then you have your total permanent disability insurance.","start":338.375,"end":341.95,"sentiment":"neutral","sentiment_score":0.058131396430932604},{"text":"That is if you're totally and permanently disabled and unable to go back to work, that is 826,685.","start":342.09003,"end":351.55002,"sentiment":"neutral","sentiment_score":-0.1392220033125745},{"text":"Are you quite happy with those amounts as well there for you?","start":353.29,"end":357.405,"sentiment":"positive","sentiment_score":0.4594425434867541},{"text":"So that is if you were to pass away.","start":360.905,"end":362.925,"sentiment":"neutral","sentiment_score":-0.2400820470518536}],"sentiment":"neutral","sentiment_score":0.052545852456864064,"num_words":58,"start":332.055,"end":362.925},{"sentences":[{"text":"So if something were to happen to you, yeah, that would then be left to your beneficiary, so who you're you've nominated on your account.","start":363.065,"end":373.0,"sentiment":"neutral","sentiment_score":-0.08578099129721523},{"text":"Now let me look into your account as well just to make sure yeah.","start":373.22,"end":377.13998,"sentiment":"neutral","sentiment_score":0.025520941774759973},{"text":"Let me just triple check.","start":377.13998,"end":378.1,"sentiment":"neutral","sentiment_score":0.013989260047674179},{"text":"So that will be yeah.","start":378.1,"end":378.82,"sentiment":"neutral","sentiment_score":0.004275865852832794},{"text":"If something were to happen to you and you'd pass away, that would then be left along with your superannuation.","start":378.82,"end":384.165,"sentiment":"neutral","sentiment_score":-0.06280593476258219}],"sentiment":"neutral","sentiment_score":-0.04278296613525869,"num_words":69,"start":363.065,"end":384.165},{"sentences":[{"text":"And then, yeah, the the TPD is if you are, you know, if you have two doctors who sign on of the fact that you can never go back to work again, then that's that's kind of a lump sum payment paid out to cover you, obviously, because you are not able to go back to work.","start":387.105,"end":401.56,"sentiment":"neutral","sentiment_score":-0.08433034460534129},{"text":"Yeah.","start":404.1,"end":404.42,"sentiment":"neutral","sentiment_score":0.08696579933166504},{"text":"I do have here James listed at a 100%, and I have your non lapsing binding option nominated.","start":404.42,"end":411.39502,"sentiment":"neutral","sentiment_score":0.11643120729260975},{"text":"What was that?","start":415.535,"end":416.095,"sentiment":"neutral","sentiment_score":-0.005999292867879073},{"text":"Sorry?","start":416.095,"end":416.595,"sentiment":"neutral","sentiment_score":-0.054780006408691406}],"sentiment":"neutral","sentiment_score":-0.03371099996147677,"num_words":80,"start":387.105,"end":416.595},{"sentences":[{"text":"No.","start":420.015,"end":420.495,"sentiment":"neutral","sentiment_score":-0.08491665124893188},{"text":"Yep.","start":420.495,"end":420.89502,"sentiment":"neutral","sentiment_score":-0.03826034069061279},{"text":"Yeah.","start":420.89502,"end":421.135,"sentiment":"neutral","sentiment_score":-0.03156512975692749},{"text":"I can hear you.","start":421.135,"end":421.695,"sentiment":"neutral","sentiment_score":-0.03045692527666688},{"text":"Can you hear me?","start":421.695,"end":422.67502,"sentiment":"neutral","sentiment_score":-0.017781543778255582}],"sentiment":"neutral","sentiment_score":-0.031608727083287456,"num_words":11,"start":420.015,"end":422.67502},{"sentences":[{"text":"Yep.","start":423.935,"end":424.335,"sentiment":"neutral","sentiment_score":0.08060363680124283},{"text":"Perfect.","start":424.335,"end":424.77,"sentiment":"neutral","sentiment_score":0.22107556462287903},{"text":"So, yeah, we do have that in place, and then you also have your income protection.","start":425.41,"end":428.94998,"sentiment":"neutral","sentiment_score":0.14753605518490076},{"text":"Now you have through still both with one pass, 3,292 per month and the other one of 2,383 per month, both with a ninety day waiting period.","start":430.05,"end":446.07498,"sentiment":"neutral","sentiment_score":0.0828395600396174},{"text":"That would mean that you have to wait the ninety days until it would be paid out.","start":446.07498,"end":451.29498,"sentiment":"neutral","sentiment_score":0.0975565055713934}],"sentiment":"neutral","sentiment_score":0.1057642709704176,"num_words":62,"start":423.935,"end":451.29498},{"sentences":[{"text":"And then you do have the benefit to the age of 70.","start":451.995,"end":455.6,"sentiment":"neutral","sentiment_score":0.1649982345600923},{"text":"Now you have all of that paid from within hub twenty four for you.","start":457.82,"end":461.84,"sentiment":"neutral","sentiment_score":0.20848968944379262},{"text":"Because of how it's structured, you do get a 15% tax rebate.","start":462.13998,"end":465.91998,"sentiment":"neutral","sentiment_score":0.2235980617503325},{"text":"And after the the rebate, it is $3,072 from your super.","start":466.46,"end":471.785,"sentiment":"neutral","sentiment_score":0.17327737672762436},{"text":"So you don't pay for those out of pocket per 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competitive.","start":489.03003,"end":492.41,"sentiment":"positive","sentiment_score":0.37925249834855396},{"text":"The the only thing is that it is a little bit more expensive than some potential new ones, and that is because you have an older policy.","start":492.79,"end":501.225,"sentiment":"neutral","sentiment_score":-0.10745092426185254},{"text":"So a lot of the legislation and ruling around the insurances, they actually changed in 2021.","start":501.365,"end":508.56,"sentiment":"neutral","sentiment_score":-0.06821234943345189},{"text":"The policies taken out before 2021 had a lot of grandfather benefits that are really good and exclude inclusive that new policies do not have.","start":508.78,"end":517.84,"sentiment":"neutral","sentiment_score":0.021060690730810166},{"text":"So exact exactly.","start":518.38,"end":526.435,"sentiment":"neutral","sentiment_score":0.02019825515647729}],"sentiment":"neutral","sentiment_score":-0.014674617171094015,"num_words":77,"start":489.03003,"end":526.435},{"sentences":[{"text":"Right.","start":526.495,"end":526.735,"sentiment":"neutral","sentiment_score":0.03735054284334183},{"text":"So if, like, for example, if we were to take out a new policy today, it might be a tiny bit cheaper, but you're not gonna have the same inclusion.","start":526.735,"end":535.46,"sentiment":"neutral","sentiment_score":-0.0033893914272387824},{"text":"So for example, today, you can't get an age 70 benefit.","start":535.52,"end":538.9,"sentiment":"neutral","sentiment_score":-0.015258464962244034},{"text":"The max you can get is age 65.","start":539.12,"end":541.62,"sentiment":"neutral","sentiment_score":-0.003979967441409826},{"text":"Also, some of some of the one portion that was taken out before, I think it was in 2017 for you, that one covers up to 75% of your income.","start":543.28,"end":552.44495,"sentiment":"neutral","sentiment_score":0.05222465489059687}],"sentiment":"neutral","sentiment_score":0.016284069907851518,"num_words":80,"start":526.495,"end":552.44495},{"sentences":[{"text":"You can have covered any new policies taken out after 2021 if you only have 70%.","start":552.44495,"end":557.90497,"sentiment":"neutral","sentiment_score":0.0362038929015398},{"text":"And there's a lot of other built in inclusions, so it is very comprehensive.","start":558.20496,"end":562.13,"sentiment":"neutral","sentiment_score":0.08765696654362339},{"text":"And, typically, the reason why they phased them out was because insurances were paying them out so much, so they were kind of going backwards.","start":562.35004,"end":568.77,"sentiment":"neutral","sentiment_score":-0.0827133372426033},{"text":"So they changed a lot of their inclusion.","start":569.23004,"end":571.09,"sentiment":"neutral","sentiment_score":0.03591468743979931},{"text":"So especially having an older policy, it is great, and it's still quite affordable for what you have.","start":571.15,"end":576.795,"sentiment":"positive","sentiment_score":0.5525123054782549}],"sentiment":"neutral","sentiment_score":0.12310080722342302,"num_words":81,"start":552.44495,"end":576.795},{"sentences":[{"text":"And as long as it's, you know, still growing your student, which it is, I do think that it is very affordable for what you have, especially given you do have that older policies, which for you is really good.","start":577.255,"end":587.25,"sentiment":"positive","sentiment_score":0.5475673727691174},{"text":"Yep.","start":588.82996,"end":589.32996,"sentiment":"neutral","sentiment_score":0.15386396646499634},{"text":"Now, obviously, if at any point in time you wanna change it, you know, just let us know.","start":591.31,"end":595.64996,"sentiment":"neutral","sentiment_score":0.06308777982162105},{"text":"But, obviously, if we were to take out more cover or change it, it would mean that you would lose those older benefits.","start":595.94995,"end":602.435,"sentiment":"neutral","sentiment_score":-0.19148610548480696},{"text":"Yep.","start":602.435,"end":602.935,"sentiment":"neutral","sentiment_score":-0.044845156371593475}],"sentiment":"neutral","sentiment_score":0.2258206425481532,"num_words":83,"start":577.255,"end":602.935},{"sentences":[{"text":"Now if you then wanna go through the which is the next attachment there for you that you can see?","start":603.555,"end":609.175,"sentiment":"neutral","sentiment_score":0.02688897494226694},{"text":"Yep.","start":632.705,"end":633.205,"sentiment":"neutral","sentiment_score":0.08496449887752533},{"text":"Yeah.","start":635.025,"end":635.505,"sentiment":"neutral","sentiment_score":0.0821412205696106},{"text":"So the one part COC, that is just your certificate of currency for your insurances.","start":635.505,"end":639.98,"sentiment":"neutral","sentiment_score":0.09356304506460826},{"text":"So, basically, it breaks down a little bit more information about the policy there for you.","start":640.76,"end":645.24,"sentiment":"neutral","sentiment_score":0.19678047206252813}],"sentiment":"neutral","sentiment_score":0.09918525372192545,"num_words":53,"start":603.555,"end":645.24},{"sentences":[{"text":"It's basically what was outlined in the summary, but it just gives you a little bit more in-depth for you just so you have it.","start":645.24,"end":650.54,"sentiment":"neutral","sentiment_score":0.21619727969169616},{"text":"But it basically just tells you that, you know, it's paid and up to date.","start":650.6,"end":653.885,"sentiment":"neutral","sentiment_score":0.1408791477481524},{"text":"But, otherwise, that's what that one is.","start":654.025,"end":655.945,"sentiment":"neutral","sentiment_score":0.10413674797330584},{"text":"The the will information is just some general information in regards to a will if it is something that you are interested in.","start":655.945,"end":663.72504,"sentiment":"neutral","sentiment_score":0.15162847353064496},{"text":"And the the IRR performance, yep, that one is the one that shows you the portfolio.","start":665.145,"end":675.50995,"sentiment":"neutral","sentiment_score":0.06315900315530598}],"sentiment":"neutral","sentiment_score":0.1481985510002042,"num_words":86,"start":645.24,"end":675.50995},{"sentences":[{"text":"So that one here, it gives you just, like, a twelve month breakdown.","start":677.73,"end":683.58997,"sentiment":"neutral","sentiment_score":0.08085780762709104},{"text":"So from the twenty fourth of Jan through the twenty third of Jan.","start":683.64996,"end":689.165,"sentiment":"neutral","sentiment_score":0.04794610836184942},{"text":"Now it does look a little bit messy as you can see here because I do believe that when you spoke to my colleague, Dana, last year for under review, she kind of readjusted the risk profile for you that you were originally in your high growth portfolio, but you were willing to kind of look at increasing that to an aggressive portfolio.","start":689.165,"end":708.14,"sentiment":"neutral","sentiment_score":-0.07868849722638963},{"text":"Obviously, given the time frame until retirement, you do have plenty of time to take advantage of trying to maximize that growth for you, and you are comfortable to take on a bit more, you know, fluctuations in the short term in order to achieve that higher return in the long term.","start":709.0,"end":723.065,"sentiment":"neutral","sentiment_score":0.17371677406705344},{"text":"So that's why it does look a lot little bit messier because you can see your buying and selling of the individual investment.","start":723.065,"end":730.67004,"sentiment":"neutral","sentiment_score":-0.18908435252049696}],"sentiment":"neutral","sentiment_score":0.008545169061640413,"num_words":164,"start":677.73,"end":730.67004},{"sentences":[{"text":"So it does factor in that, which is why it looks a little bit messier.","start":732.33,"end":735.47003,"sentiment":"neutral","sentiment_score":-0.08335822025934855},{"text":"But, otherwise, if you go to page two on that document, that basically shows you a little bit more easier the changes.","start":736.49005,"end":745.435,"sentiment":"neutral","sentiment_score":0.12668347609922587},{"text":"And the the biggest one is if you look on the second column to your right where it says the internal rate of return.","start":745.655,"end":753.11505,"sentiment":"neutral","sentiment_score":0.1289521095653375},{"text":"So that one here shows that your portfolio is after fees, obviously, factoring in the changes and stuff like that and all fees in your account, so adviser fees and everything like that.","start":753.575,"end":765.6,"sentiment":"neutral","sentiment_score":0.15563726876721237},{"text":"Your portfolio has still gone up by 7.53%, which is actually pretty good given what's also happened, you know, in the world lately and the market fluctuations and everything like that, especially with The US.","start":765.82,"end":778.045,"sentiment":"positive","sentiment_score":0.5393554487398693}],"sentiment":"neutral","sentiment_score":0.22205414244243624,"num_words":129,"start":732.33,"end":778.045},{"sentences":[{"text":"So it's definitely doing doing pretty good.","start":778.425,"end":781.4,"sentiment":"positive","sentiment_score":0.5979294649192265},{"text":"And I can see that, obviously, Dana switched you out on a couple of those investments into some better performing ones as well.","start":781.4,"end":788.06,"sentiment":"neutral","sentiment_score":0.23349931868522064},{"text":"So that's kind yeah.","start":788.6,"end":791.32,"sentiment":"neutral","sentiment_score":0.14688193798065186},{"text":"That's okay.","start":791.32,"end":792.14,"sentiment":"neutral","sentiment_score":0.2115318551659584},{"text":"Yep.","start":799.065,"end":799.565,"sentiment":"neutral","sentiment_score":0.045246850699186325}],"sentiment":"neutral","sentiment_score":0.2868061864094154,"num_words":37,"start":778.425,"end":799.565},{"sentences":[{"text":"Yep.","start":801.945,"end":802.445,"sentiment":"neutral","sentiment_score":0.06945399940013885},{"text":"So your highest one is the 17.81.","start":802.505,"end":807.64496,"sentiment":"neutral","sentiment_score":0.09025420887129647},{"text":"Now that is the one that has a q o zed, the beta shares Raffi Australia.","start":807.785,"end":813.63995,"sentiment":"neutral","sentiment_score":0.07227095100097358},{"text":"You can see that one?","start":813.94,"end":815.24,"sentiment":"neutral","sentiment_score":0.03832535147666931},{"text":"Yep.","start":816.66,"end":817.16,"sentiment":"neutral","sentiment_score":0.049350805580616}],"sentiment":"neutral","sentiment_score":0.0699515413492918,"num_words":30,"start":801.945,"end":817.16},{"sentences":[{"text":"Yeah.","start":817.54,"end":817.86,"sentiment":"neutral","sentiment_score":0.07020148634910583},{"text":"So that one is the one that's it basically invests in the 200 largest companies in Australia.","start":817.86,"end":822.83997,"sentiment":"neutral","sentiment_score":0.08034867267398273},{"text":"But instead of it kind of being size, which is a lot of the investments just kind of follow an index based on the biggest companies based on size, they kind of do the research more on the fundamental measures of the company.","start":823.13995,"end":837.16504,"sentiment":"neutral","sentiment_score":0.06622888581004253},{"text":"So, like, they look at the sales and cash flow and book value instead.","start":837.16504,"end":840.56,"sentiment":"neutral","sentiment_score":0.09411667659878731},{"text":"So it's a different way to truthing the investment that goes into it.","start":840.7,"end":844.13995,"sentiment":"neutral","sentiment_score":0.08164818842823689}],"sentiment":"neutral","sentiment_score":0.07571626060896298,"num_words":88,"start":817.54,"end":844.13995},{"sentences":[{"text":"They're still focusing on the Australian equity component.","start":844.13995,"end":847.12,"sentiment":"neutral","sentiment_score":0.11701945308595896},{"text":"So that one was your the biggest performer, which is at 17.81 percent.","start":847.42,"end":856.89496,"sentiment":"neutral","sentiment_score":0.1351075148066649},{"text":"Yes.","start":857.035,"end":857.435,"sentiment":"neutral","sentiment_score":0.04108767956495285},{"text":"Actually, no.","start":857.435,"end":858.495,"sentiment":"neutral","sentiment_score":-0.00635890755802393},{"text":"You had need a bigger one, which is a gold, which is a mortgage alternative investment, but that one actually went up at 52.4%, which is crazy.","start":858.63495,"end":868.26,"sentiment":"neutral","sentiment_score":0.01903350271836475}],"sentiment":"neutral","sentiment_score":0.06342799519645233,"num_words":51,"start":844.13995,"end":868.26},{"sentences":[{"text":"We've obviously seen a lot of things with with gold.","start":868.8,"end":871.36,"sentiment":"neutral","sentiment_score":0.048566588386893275},{"text":"So yeah.","start":871.36,"end":872.58,"sentiment":"neutral","sentiment_score":0.028802099637687206},{"text":"So that's actually at 5252.4%.","start":872.88,"end":876.58,"sentiment":"neutral","sentiment_score":0.03648152016103268},{"text":"It's more kind of a an option.","start":882.09503,"end":884.09503,"sentiment":"neutral","sentiment_score":0.19251045158931188},{"text":"So, obviously, instead of having physical gold, it's just via the air stock exchange.","start":884.09503,"end":888.03503,"sentiment":"neutral","sentiment_score":0.09414398829851832}],"sentiment":"neutral","sentiment_score":0.08924386003299763,"num_words":38,"start":868.8,"end":888.03503},{"sentences":[{"text":"So you obviously don't have to, like, store the gold, but but, yes, if you ETF, invest in gold.","start":888.41504,"end":899.04,"sentiment":"neutral","sentiment_score":0.11224435387473357},{"text":"No.","start":900.74,"end":900.98,"sentiment":"neutral","sentiment_score":0.09075719863176346},{"text":"You can definitely so the good thing with obviously, there's lots of different ways that you can buy shares yourself.","start":900.98,"end":907.465,"sentiment":"positive","sentiment_score":0.38609161227941513},{"text":"So Hub twenty four, they do have a personal investment account that you can do through Hub twenty four.","start":907.465,"end":913.145,"sentiment":"neutral","sentiment_score":0.28187699459101023},{"text":"There's a lot of different platforms that do it.","start":913.145,"end":915.245,"sentiment":"neutral","sentiment_score":0.20779897438155281}],"sentiment":"neutral","sentiment_score":0.2525159681544584,"num_words":68,"start":888.41504,"end":915.245},{"sentences":[{"text":"You can obviously do your kind of trading accounts yourself as well.","start":916.825,"end":921.01,"sentiment":"neutral","sentiment_score":0.2603113241493702},{"text":"So some people use, like, Consec.","start":921.01,"end":922.85,"sentiment":"neutral","sentiment_score":0.2323810582359632},{"text":"Like, there's a lot of, you know, your your cheaper platforms if you just wanna do some investing yourself.","start":922.85,"end":928.47,"sentiment":"neutral","sentiment_score":0.2521906746061225},{"text":"And then, obviously, depending on what the investments are available on each platform, most of them tend to have basically everything that you can see in your Hub twenty four super account at the moment because that's obviously all listed there for you.","start":929.49,"end":943.765,"sentiment":"neutral","sentiment_score":0.25850883888643844},{"text":"You can access all of them on most platforms.","start":943.765,"end":946.05005,"sentiment":"neutral","sentiment_score":0.29258343908521867}],"sentiment":"neutral","sentiment_score":0.25908737169222884,"num_words":89,"start":916.825,"end":946.05005},{"sentences":[{"text":"And then other platforms, you can invest in other things as well that you can't do in superannuation.","start":946.59,"end":951.81,"sentiment":"neutral","sentiment_score":0.2428835795985328},{"text":"So if there are specific, you know, crypto investments or or other things that you are really interested in, you can get access to that on other platforms that may not be available in hub twenty four.","start":952.27,"end":962.445,"sentiment":"neutral","sentiment_score":0.21222413190313288},{"text":"But, basically, everything that you can see in your portfolio, most other platforms, if you wanna do personal investments, you can definitely access yourself.","start":962.445,"end":970.87,"sentiment":"neutral","sentiment_score":0.29770926137765247},{"text":"But then you can also invest in your direct shares and stuff like that as well if it's, you know, obviously something that you are interested in.","start":971.01,"end":977.25,"sentiment":"neutral","sentiment_score":0.2893984582689073},{"text":"But we mainly have you in your ETF because they're kind of your your low cost options.","start":977.25,"end":981.99,"sentiment":"neutral","sentiment_score":0.3147036661120022}],"sentiment":"neutral","sentiment_score":0.2644954494586805,"num_words":123,"start":946.59,"end":981.99},{"sentences":[{"text":"They're a little bit cheaper, but very diversified for you as well.","start":983.25,"end":994.365,"sentiment":"positive","sentiment_score":0.36741336217770976},{"text":"It is a it is a very good question, and it is very hard to answer because it depends it depends what your goals are by the time you retire.","start":994.425,"end":1003.91003,"sentiment":"neutral","sentiment_score":0.08604456906517347},{"text":"So, typically, it's like, okay.","start":1004.13,"end":1005.81006,"sentiment":"neutral","sentiment_score":0.08116298615932464},{"text":"Well, by the time you retire, how much do you want to achieve?","start":1005.81006,"end":1008.29004,"sentiment":"neutral","sentiment_score":0.08160167645949584},{"text":"Also, what's your income at the moment and where things are at?","start":1008.29004,"end":1011.35004,"sentiment":"neutral","sentiment_score":0.01838142207513253}],"sentiment":"neutral","sentiment_score":0.12052098899665806,"num_words":72,"start":983.25,"end":1011.35004},{"sentences":[{"text":"But if you want a bit more of a just a general based on your current age, this is where most people tend to sit.","start":1011.65,"end":1020.005,"sentiment":"neutral","sentiment_score":-0.011258962899446487},{"text":"I can get that information for you if you just bear with me for a second.","start":1020.54504,"end":1024.885,"sentiment":"neutral","sentiment_score":0.09100797912105918},{"text":"Because, yeah, there's a lot that goes into it, but sometimes people just want, like, okay.","start":1027.745,"end":1031.73,"sentiment":"neutral","sentiment_score":0.06178602192085236},{"text":"Well, you know, the the average person in my age, what would that typically look like?","start":1031.73,"end":1036.9299,"sentiment":"neutral","sentiment_score":0.048218277748674154},{"text":"And Aetna does publish all of that as well of, you know, using all the statistics in Sorry.","start":1036.9299,"end":1043.855,"sentiment":"neutral","sentiment_score":0.06806800907684697}],"sentiment":"neutral","sentiment_score":0.04571369836864236,"num_words":91,"start":1011.65,"end":1043.855},{"sentences":[{"text":"Let me see if I can find that for you.","start":1043.855,"end":1046.2749,"sentiment":"neutral","sentiment_score":0.05942392908036709},{"text":"So, again, this is obviously just like a generalized information, what they say.","start":1063.9,"end":1070.335,"sentiment":"neutral","sentiment_score":0.05735680518242029},{"text":"But, basically, for, I guess, kind of, like, a key benchmark, if you round the 35 to 39 h, for women, it tend to sit at around 71 to 87,000.","start":1070.955,"end":1085.1,"sentiment":"neutral","sentiment_score":0.10977256298065186},{"text":"So you are obviously above that, which is great.","start":1086.0599,"end":1088.96,"sentiment":"positive","sentiment_score":0.4869530565208859},{"text":"Again, obviously, it depends on, you know, how much between now and you retire, what's your contributions like, what's your income, what your insurances, and stuff like that.","start":1089.98,"end":1098.875,"sentiment":"neutral","sentiment_score":0.043276275375059674}],"sentiment":"neutral","sentiment_score":0.11363742074204816,"num_words":90,"start":1043.855,"end":1098.875},{"sentences":[{"text":"But if you're looking at an an average of, okay, well, where are most, you know, 37 year olds and, you know, between that 35 and 39, where do they typically sit?","start":1098.875,"end":1111.215,"sentiment":"neutral","sentiment_score":0.003095621126703918},{"text":"It's around.","start":1111.515,"end":1112.28,"sentiment":"neutral","sentiment_score":0.010224907426163552},{"text":"For for women, it's 71 to 87, and for men, it's about 90 to a 130.","start":1112.28,"end":1117.26,"sentiment":"neutral","sentiment_score":0.05165944877080619},{"text":"So you're definitely kind of doing good doing good on where you're at at the moment.","start":1118.12,"end":1123.66,"sentiment":"positive","sentiment_score":0.6015894765150733},{"text":"And the way that, obviously, we do have your portfolio construction, trying to maximize that, that, you're definitely, you know, doing the right thing to kinda get you through where your retirement goals needs to be as soon as you can as well.","start":1124.2001,"end":1134.535,"sentiment":"positive","sentiment_score":0.5443236405073211}],"sentiment":"neutral","sentiment_score":0.3117193489660159,"num_words":109,"start":1098.875,"end":1134.535},{"sentences":[{"text":"Because, especially, the sooner you do it, then you take advantage of all the compounding and stuff like that, which, obviously, with time, you know, changes things even more.","start":1134.535,"end":1143.0299,"sentiment":"positive","sentiment_score":0.39533137915463284},{"text":"Does that make sense?","start":1144.61,"end":1145.6699,"sentiment":"neutral","sentiment_score":0.03250335296615958},{"text":"Yeah.","start":1146.1299,"end":1146.37,"sentiment":"neutral","sentiment_score":0.18999654054641724},{"text":"Of course.","start":1146.37,"end":1147.0299,"sentiment":"neutral","sentiment_score":0.1476808600127697},{"text":"Yep.","start":1157.325,"end":1157.825,"sentiment":"neutral","sentiment_score":0.1130618453025818}],"sentiment":"neutral","sentiment_score":0.32954171657360887,"num_words":37,"start":1134.535,"end":1157.825},{"sentences":[{"text":"Yep.","start":1157.965,"end":1158.465,"sentiment":"neutral","sentiment_score":0.20040401816368103},{"text":"Yep.","start":1160.045,"end":1160.545,"sentiment":"neutral","sentiment_score":0.0913599580526352},{"text":"Yeah.","start":1175.49,"end":1175.8099,"sentiment":"neutral","sentiment_score":0.10910877585411072},{"text":"So, yeah, there's definitely a truth to it.","start":1175.8099,"end":1178.1499,"sentiment":"neutral","sentiment_score":0.17013951018452644},{"text":"There is absolutely nothing tying us to Hub twenty four as well.","start":1178.2899,"end":1181.59,"sentiment":"neutral","sentiment_score":0.02570171933621168}],"sentiment":"neutral","sentiment_score":0.09001780285135559,"num_words":23,"start":1157.965,"end":1181.59},{"sentences":[{"text":"Now, typically, for for me to tell you exactly, I think that you should stay with hub twenty four because that is personalized.","start":1181.73,"end":1188.265,"sentiment":"neutral","sentiment_score":0.20350488113320392},{"text":"I'll have to go and do the research on that.","start":1188.3251,"end":1190.8251,"sentiment":"neutral","sentiment_score":0.09333403035998344},{"text":"But aside from that, I use hub twenty four personally for my superannuation.","start":1191.4451,"end":1194.95,"sentiment":"neutral","sentiment_score":0.17280040337489203},{"text":"I do research on Hub twenty four and similar competitors every single day.","start":1196.0499,"end":1200.47,"sentiment":"neutral","sentiment_score":0.18603104582199684},{"text":"And, basically, most of them comes out with Hub twenty four is still very competitive when it comes to the the fees and feature options.","start":1200.77,"end":1209.735,"sentiment":"neutral","sentiment_score":0.27510075986385346}],"sentiment":"neutral","sentiment_score":0.20424143340261208,"num_words":84,"start":1181.73,"end":1209.735},{"sentences":[{"text":"So, typically, when we are comparing similar options like Macquarie and Netwealth, the more sophisticated platforms that can allow you the same investment options that Hub twenty four, Hub twenty four tends to come out with very competitive when it comes to the fee.","start":1209.735,"end":1222.245,"sentiment":"neutral","sentiment_score":0.24688833477822217},{"text":"Fee.","start":1223.73,"end":1224.23,"sentiment":"neutral","sentiment_score":0.131832554936409},{"text":"So they're they're still very good.","start":1224.77,"end":1226.77,"sentiment":"positive","sentiment_score":0.4562709579865138},{"text":"And like I said, I use it as well, but it is something that we're always, you know, researching.","start":1226.77,"end":1230.71,"sentiment":"neutral","sentiment_score":0.24375325245292565},{"text":"Because like you said, as well, there's absolutely nothing tying us to Hub twenty four or any other super funds.","start":1230.85,"end":1235.3301,"sentiment":"neutral","sentiment_score":-0.051985585037618874}],"sentiment":"neutral","sentiment_score":0.19249050143278307,"num_words":90,"start":1209.735,"end":1235.3301},{"sentences":[{"text":"If there's, like, a new option that comes out that's going to be cheaper and give you more, then we will, you know, recommend to move you if it if it's appropriate for you at the time.","start":1235.3301,"end":1243.875,"sentiment":"neutral","sentiment_score":0.05936422828282859},{"text":"Yep.","start":1245.375,"end":1245.875,"sentiment":"positive","sentiment_score":0.47648629546165466},{"text":"And with the making contributions into superannuation, there's two ways that typically people would do it.","start":1247.0549,"end":1253.91,"sentiment":"neutral","sentiment_score":0.08745394786819816},{"text":"The first way is have you ever used a pay calculator?","start":1254.29,"end":1258.55,"sentiment":"neutral","sentiment_score":0.032820322466167534},{"text":"Yes.","start":1260.6901,"end":1261.1901,"sentiment":"neutral","sentiment_score":0.17066919803619385}],"sentiment":"neutral","sentiment_score":0.06975634322699273,"num_words":66,"start":1235.3301,"end":1261.1901},{"sentences":[{"text":"Perfect.","start":1261.81,"end":1262.31,"sentiment":"positive","sentiment_score":0.3744427561759949},{"text":"So that is usually the first way because typically people would go go with, okay.","start":1263.01,"end":1266.815,"sentiment":"neutral","sentiment_score":0.21265994906425476},{"text":"I have this amount of weight in savings that I'm willing to put in, and then we would then work out, okay.","start":1267.595,"end":1274.875,"sentiment":"neutral","sentiment_score":0.16104515811259096},{"text":"Well, if you you know, like, I think I have here that you save about $250 a week.","start":1274.875,"end":1279.4349,"sentiment":"neutral","sentiment_score":0.13564371027880245},{"text":"Is that right?","start":1279.4349,"end":1286.0801,"sentiment":"neutral","sentiment_score":0.07124618565042813}],"sentiment":"neutral","sentiment_score":0.16546882733197535,"num_words":59,"start":1261.81,"end":1286.0801},{"sentences":[{"text":"Yeah.","start":1286.0801,"end":1286.56,"sentiment":"neutral","sentiment_score":0.06413204967975616},{"text":"So let's say, like, obviously, the first thing is making sure you have excess saving in order to make contributions into superannuation.","start":1286.56,"end":1294.155,"sentiment":"neutral","sentiment_score":0.10717634619636969},{"text":"That's the first thing.","start":1294.375,"end":1295.515,"sentiment":"neutral","sentiment_score":0.11017557978630066},{"text":"Because, obviously, it will be taken from your pretax money going into superannuation, and it will be locked in until you meet a condition of the lease.","start":1295.655,"end":1304.075,"sentiment":"neutral","sentiment_score":0.07011748105287552},{"text":"That is typically turning 60 and retiring or 65 if you're still working.","start":1304.135,"end":1308.135,"sentiment":"neutral","sentiment_score":0.03327687113330914}],"sentiment":"neutral","sentiment_score":0.0774400790791903,"num_words":67,"start":1286.0801,"end":1308.135},{"sentences":[{"text":"So that's the downside is, obviously, it gets locked in onto so if if you need it, you can't access it.","start":1308.135,"end":1314.59,"sentiment":"neutral","sentiment_score":-0.10211688102710814},{"text":"It's locked in in superannuation.","start":1314.59,"end":1315.81,"sentiment":"neutral","sentiment_score":-0.05277574770152569},{"text":"But the good thing with it is that it obviously contributes to your retirement and your superannuation, so that is fantastic.","start":1316.43,"end":1323.365,"sentiment":"positive","sentiment_score":0.6150690260387602},{"text":"And the other really good thing as well is that contributions going into superannuation is only taxed at 15%.","start":1323.665,"end":1331.2051,"sentiment":"positive","sentiment_score":0.3360487418739419},{"text":"And, obviously what was that?","start":1332.4651,"end":1335.665,"sentiment":"neutral","sentiment_score":-0.011715846508741379}],"sentiment":"neutral","sentiment_score":0.23710511506758106,"num_words":71,"start":1308.135,"end":1335.665},{"sentences":[{"text":"Sorry.","start":1335.665,"end":1336.02,"sentiment":"neutral","sentiment_score":-0.15464022755622864},{"text":"Yes.","start":1340.66,"end":1341.16,"sentiment":"neutral","sentiment_score":-0.1110120415687561},{"text":"Yes.","start":1342.1,"end":1342.6,"sentiment":"neutral","sentiment_score":0.18706728518009183},{"text":"Yep.","start":1342.8201,"end":1343.3201,"sentiment":"neutral","sentiment_score":0.050084106624126434},{"text":"Yes.","start":1344.26,"end":1344.76,"sentiment":"neutral","sentiment_score":0.01666281372308731}],"sentiment":"neutral","sentiment_score":-0.002367612719535833,"num_words":5,"start":1335.665,"end":1344.76},{"sentences":[{"text":"You can start tomorrow and stop two days' time because it's it's you your choice.","start":1346.8201,"end":1352.785,"sentiment":"neutral","sentiment_score":0.17349709669748942},{"text":"It's different of the employer contributions.","start":1352.785,"end":1354.3251,"sentiment":"neutral","sentiment_score":0.11243657146890958},{"text":"It is a requirement that they have to do it, but you can you can contribute in different ways.","start":1354.545,"end":1359.265,"sentiment":"neutral","sentiment_score":0.14636892001879842},{"text":"So you can do, like, a salary sacrifice contribution.","start":1359.265,"end":1361.845,"sentiment":"neutral","sentiment_score":0.20891943408383262},{"text":"So that's obviously telling your employer.","start":1361.985,"end":1363.765,"sentiment":"neutral","sentiment_score":0.08680534362792969}],"sentiment":"neutral","sentiment_score":0.1538034968755462,"num_words":55,"start":1346.8201,"end":1363.765},{"sentences":[{"text":"Is that how you did it before?","start":1363.8251,"end":1365.24,"sentiment":"neutral","sentiment_score":0.03433451269354139},{"text":"Mhmm.","start":1370.33,"end":1370.58,"sentiment":"neutral","sentiment_score":0.011971337720751762},{"text":"Mhmm.","start":1370.58,"end":1371.08,"sentiment":"neutral","sentiment_score":0.0083631481975317},{"text":"Yes.","start":1378.0199,"end":1378.245,"sentiment":"neutral","sentiment_score":0.059022173285484314},{"text":"Yes.","start":1380.805,"end":1381.205,"sentiment":"neutral","sentiment_score":0.1651429682970047}],"sentiment":"neutral","sentiment_score":0.04407647421414202,"num_words":11,"start":1363.8251,"end":1381.205},{"sentences":[{"text":"Exactly.","start":1381.205,"end":1381.6849,"sentiment":"neutral","sentiment_score":0.3211134076118469},{"text":"So that's how most people would do it because it comes out pretty regularly.","start":1381.6849,"end":1384.965,"sentiment":"positive","sentiment_score":0.4947321670395987},{"text":"So, obviously, depending on how your employer pays pay paid, whether that is, you know, weekly or monthly or quarterly.","start":1384.965,"end":1391.55,"sentiment":"neutral","sentiment_score":0.32578943744301797},{"text":"It will then kind of be your regular contribution going into superannuation pretax.","start":1392.0901,"end":1397.31,"sentiment":"positive","sentiment_score":0.47267176096255964},{"text":"So, obviously, you save the tax because it's before tax money instead reduces your taxable income, so that is great.","start":1398.41,"end":1404.575,"sentiment":"positive","sentiment_score":0.61866514980793}],"sentiment":"positive","sentiment_score":0.47472335858380094,"num_words":68,"start":1381.205,"end":1404.575},{"sentences":[{"text":"The other good thing with doing it as a salary sacrifice is because you are making the regular contributions, which then takes advantage of kind of, you know, dollar cost averaging into super, sorry, that the up and down of the market.","start":1404.635,"end":1416.735,"sentiment":"positive","sentiment_score":0.5586570763871783},{"text":"Sometimes you're making contributions.","start":1416.95,"end":1418.01,"sentiment":"positive","sentiment_score":0.3883749023079872},{"text":"The prices might be a little bit higher, other times a little bit lower, but it kind of smooths that out for you by doing the regular contribution.","start":1418.39,"end":1424.73,"sentiment":"positive","sentiment_score":0.4363312077309404},{"text":"The other way you can do it is if you don't wanna do it with employer and you just wanna it ad hoc yourself, you can still do that.","start":1426.15,"end":1432.615,"sentiment":"neutral","sentiment_score":0.3022897680257929},{"text":"Obviously, it would be after tax money.","start":1432.755,"end":1434.915,"sentiment":"neutral","sentiment_score":0.15659034145729883}],"sentiment":"positive","sentiment_score":0.42815369360826233,"num_words":110,"start":1404.635,"end":1434.915},{"sentences":[{"text":"So let's say you have a little bit of money in your bank account and you wanna put that into super, you can definitely do so.","start":1434.915,"end":1440.355,"sentiment":"positive","sentiment_score":0.3699119399086787},{"text":"But because that is an after tax, what we can do for you that if you have space to do so, we can then help you claim a notice of intent before the end of the financial year, which you then basically change the contribution from after tax to pretax into if that makes sense.","start":1440.355,"end":1458.155,"sentiment":"neutral","sentiment_score":0.27462507567622446},{"text":"So the the biggest thing to remember is the contribution cap of pretax, which is 30,000 at the moment, and that includes your employer contribution.","start":1460.135,"end":1470.9551,"sentiment":"neutral","sentiment_score":0.1538134205341339},{"text":"So you definitely have a a bit of space if you want to obviously do the pretax.","start":1471.5751,"end":1475.5,"sentiment":"neutral","sentiment_score":0.242444123415386},{"text":"That's why most people do it.","start":1475.5,"end":1477.36,"sentiment":"neutral","sentiment_score":0.24643073976039886}],"sentiment":"neutral","sentiment_score":0.2648648034867852,"num_words":129,"start":1434.915,"end":1477.36},{"sentences":[{"text":"Some people, as you get, you know, older in in life and stuff like that, they do it after tax anyway because they still wanna boost the super, but most younger clients would do it for the tax advantage by also boosting your superannuation.","start":1477.58,"end":1489.015,"sentiment":"neutral","sentiment_score":0.2854015919464556},{"text":"Salary sacrifice.","start":1495.715,"end":1496.6749,"sentiment":"neutral","sentiment_score":0.038570061326026917},{"text":"Yes.","start":1496.6749,"end":1497.075,"sentiment":"neutral","sentiment_score":0.18459603190422055},{"text":"So we can either you can either just call or, obviously, let your employee know that this is how much you want to do, or I can also get the team to draft up a letter for you to say, hey.","start":1497.075,"end":1506.9299,"sentiment":"neutral","sentiment_score":0.23676873634501203},{"text":"I would like to start salary sacrificing this amount, and then you can just forward that onto your employer.","start":1506.9299,"end":1511.11,"sentiment":"neutral","sentiment_score":0.2402857565566113}],"sentiment":"neutral","sentiment_score":0.2531995678964619,"num_words":107,"start":1477.58,"end":1511.11},{"sentences":[{"text":"Either way, whatever works for you.","start":1512.0499,"end":1512.417,"sentiment":"neutral","sentiment_score":0.28122170517841977},{"text":"But, yeah, that would be through your employer.","start":1512.417,"end":1512.4923,"sentiment":"neutral","sentiment_score":0.20761321485042572},{"text":"If you wanna do, like, the works for you.","start":1512.4923,"end":1514.675,"sentiment":"neutral","sentiment_score":0.2663775218857659},{"text":"But, yeah, that would be through your employer.","start":1514.675,"end":1516.4122,"sentiment":"neutral","sentiment_score":0.17683333810418844},{"text":"If you wanna do, like, the ad hoc contributions after tax and then change it, you can just give us a call, and then we can send you the information on how to do that.","start":1516.4122,"end":1524.295,"sentiment":"neutral","sentiment_score":0.20064786885465893}],"sentiment":"neutral","sentiment_score":0.21489357214533922,"num_words":66,"start":1512.0499,"end":1524.295},{"sentences":[{"text":"Mhmm.","start":1528.1951,"end":1528.41,"sentiment":"neutral","sentiment_score":-0.013128284364938736},{"text":"Yeah.","start":1530.65,"end":1531.15,"sentiment":"neutral","sentiment_score":-0.08137856423854828},{"text":"It's no.","start":1534.73,"end":1536.99,"sentiment":"neutral","sentiment_score":-0.11056753434240818},{"text":"It's pretty good, but then you look, obviously, boost that and the money's invested, which again will add to compounding.","start":1537.85,"end":1543.7284,"sentiment":"neutral","sentiment_score":0.14676217208616435},{"text":"And it's something you can change whenever.","start":1543.7284,"end":1545.355,"sentiment":"positive","sentiment_score":0.3372355188642229}],"sentiment":"neutral","sentiment_score":0.16065323085434013,"num_words":31,"start":1528.1951,"end":1545.355},{"sentences":[{"text":"So if your circumstances change and you go, oh, no.","start":1545.355,"end":1547.915,"sentiment":"neutral","sentiment_score":0.13812960758805276},{"text":"It actually makes a big difference.","start":1547.915,"end":1549.275,"sentiment":"neutral","sentiment_score":0.19987458487351736},{"text":"I need that money.","start":1549.275,"end":1550.255,"sentiment":"neutral","sentiment_score":0.1783166378736496},{"text":"Tell your employer that's offered.","start":1550.795,"end":1552.235,"sentiment":"neutral","sentiment_score":0.1245640218257904},{"text":"Or if you go, you know, if you start a little bit less and you go, oh, okay.","start":1552.235,"end":1555.56,"sentiment":"neutral","sentiment_score":0.05718117186592685}],"sentiment":"neutral","sentiment_score":0.11502072882167129,"num_words":43,"start":1545.355,"end":1555.56},{"sentences":[{"text":"Well, I'm I'm doing pretty good with my my savings.","start":1555.56,"end":1558.2001,"sentiment":"positive","sentiment_score":0.7349517047405243},{"text":"I can still keep up.","start":1558.2001,"end":1559.42,"sentiment":"positive","sentiment_score":0.5931029200553894},{"text":"Actually, maybe I can put a little bit more in.","start":1559.64,"end":1561.8,"sentiment":"neutral","sentiment_score":0.18892403692007065},{"text":"You can just tell your employer to change it.","start":1561.8,"end":1563.56,"sentiment":"neutral","sentiment_score":0.18710477981302473},{"text":"Like, it it's not like that's like, your other employer contributions.","start":1563.56,"end":1567.26,"sentiment":"neutral","sentiment_score":0.09691070054065097}],"sentiment":"neutral","sentiment_score":0.3323162831366062,"num_words":45,"start":1555.56,"end":1567.26},{"sentences":[{"text":"You can change it.","start":1567.4801,"end":1568.8151,"sentiment":"neutral","sentiment_score":0.1956954561173916},{"text":"The only thing I would say, keep keep an eye on that 30,000.","start":1568.8151,"end":1571.635,"sentiment":"neutral","sentiment_score":0.1039011928324516},{"text":"And if it is that you come across a lump sum that you wanna put in for some reason, just give me a call or call because then I can always work the numbers.","start":1571.935,"end":1580.3351,"sentiment":"neutral","sentiment_score":0.12301983728128321},{"text":"And there is a way as well that if you have unused cap space from previous years that you can kind of forward some of that and use it.","start":1580.3351,"end":1588.18,"sentiment":"neutral","sentiment_score":0.17670576377161618},{"text":"So if, you know, there's ever a situation where you do come across a bit of a lump sum and you go, you know what?","start":1588.18,"end":1593.14,"sentiment":"neutral","sentiment_score":0.04857674092054367}],"sentiment":"neutral","sentiment_score":0.12052435686900502,"num_words":105,"start":1567.4801,"end":1593.14},{"sentences":[{"text":"I wanna put a bit in super, but I would like to do it, you know, before technically, if I can.","start":1593.14,"end":1597.5951,"sentiment":"neutral","sentiment_score":0.09919288151320957},{"text":"Just give me a call, and I'll run through the numbers and see, you know, how much we can look at doing if, you know, that situation ever do.","start":1597.5951,"end":1603.915,"sentiment":"neutral","sentiment_score":0.10120108543798842},{"text":"Alright.","start":1603.915,"end":1604.415,"sentiment":"neutral","sentiment_score":0.03388901799917221},{"text":"It yeah.","start":1610.4751,"end":1611.515,"sentiment":"neutral","sentiment_score":-0.027512011118233204},{"text":"So it is a very question.","start":1611.515,"end":1612.5,"sentiment":"neutral","sentiment_score":-0.04345927573740482}],"sentiment":"neutral","sentiment_score":0.08027103950537867,"num_words":59,"start":1593.14,"end":1612.5},{"sentences":[{"text":"It is under each employer.","start":1612.5,"end":1614.2,"sentiment":"neutral","sentiment_score":-0.02877941317856312},{"text":"Sorry.","start":1614.26,"end":1614.74,"sentiment":"neutral","sentiment_score":-0.0473589226603508},{"text":"Most employers offer salary sacrifice through superannuation.","start":1614.74,"end":1618.4401,"sentiment":"neutral","sentiment_score":-0.03456023082669292},{"text":"That is the most common.","start":1618.66,"end":1619.96,"sentiment":"neutral","sentiment_score":0.04564845040440559},{"text":"It's not a requirement that they have to offer it, but it's very, very few employers who don't.","start":1620.02,"end":1626.04,"sentiment":"neutral","sentiment_score":-0.01953294314444065}],"sentiment":"neutral","sentiment_score":-0.015459120247720016,"num_words":36,"start":1612.5,"end":1626.04},{"sentences":[{"text":"And the only ones I've kind of come across who don't do it is if it's a really, really small business and, like, the accounting stuff is not super sophisticated, and they just don't.","start":1626.1,"end":1635.195,"sentiment":"neutral","sentiment_score":-0.2095735487254227},{"text":"But, otherwise, most most employers do offer salary sacrifice.","start":1635.735,"end":1639.275,"sentiment":"neutral","sentiment_score":-0.16926832911041048},{"text":"There are other employers, and they tend to be more for government jobs or sometimes nursing and and stuff like that.","start":1639.735,"end":1642.485,"sentiment":"neutral","sentiment_score":-0.0643353338042895},{"text":"Jobs or sometimes nursing and and stuff like that where they offer salary sacrifice in different areas.","start":1644.0299,"end":1650.59,"sentiment":"neutral","sentiment_score":-0.049244498176609766},{"text":"So some employers will offer salary sacrifice for mortgages and bills and payments and stuff like that, but it kind of depends on each employer.","start":1650.59,"end":1660.025,"sentiment":"neutral","sentiment_score":-0.056810662746429444}],"sentiment":"neutral","sentiment_score":-0.11563566666237025,"num_words":106,"start":1626.1,"end":1660.025},{"sentences":[{"text":"But it's definitely worth checking with them to see if it's not something you have done already to see if they do any salary packaging and stuff like that.","start":1660.025,"end":1667.4651,"sentiment":"neutral","sentiment_score":-0.05633706098486637},{"text":"Some employers do, but most only do salary sacrifice to suit stuff.","start":1667.4651,"end":1675.4299,"sentiment":"neutral","sentiment_score":-0.022447773721069098},{"text":"Yep.","start":1676.1499,"end":1676.6499,"sentiment":"neutral","sentiment_score":0.1278695911169052},{"text":"Yep.","start":1678.7899,"end":1679.2899,"sentiment":"neutral","sentiment_score":0.23056775331497192},{"text":"Yep.","start":1683.99,"end":1684.305,"sentiment":"neutral","sentiment_score":0.19356322288513184}],"sentiment":"neutral","sentiment_score":-0.03070789740674875,"num_words":44,"start":1660.025,"end":1684.305},{"sentences":[{"text":"Yes.","start":1692.2251,"end":1692.7251,"sentiment":"neutral","sentiment_score":0.03266594931483269},{"text":"So yep.","start":1692.8651,"end":1694.4651,"sentiment":"neutral","sentiment_score":0.05792878475040197},{"text":"Perfect.","start":1694.4651,"end":1694.9651,"sentiment":"positive","sentiment_score":0.3615047335624695},{"text":"So that will be let me see if you were sent that.","start":1695.025,"end":1699.11,"sentiment":"neutral","sentiment_score":0.1438016506532828},{"text":"So that will be part of let me see if I can get that here.","start":1699.11,"end":1701.85,"sentiment":"neutral","sentiment_score":0.11705322315295537}],"sentiment":"neutral","sentiment_score":0.12875633572618808,"num_words":31,"start":1692.2251,"end":1701.85},{"sentences":[{"text":"That ongoing service agreement was the one that it would ask you to sign.","start":1701.99,"end":1708.09,"sentiment":"neutral","sentiment_score":0.07273543413196291},{"text":"So the ongoing service agreement would be, you know, if you are happy to stay on board of the claim, it will then enter into an ongoing service agreement for us to service your account.","start":1708.23,"end":1718.2849,"sentiment":"neutral","sentiment_score":0.11580090001225471},{"text":"Obviously, you can cancel whenever you want to if, at the end point in time, not happy with the services, but it is something you have to sign every twelve months.","start":1719.225,"end":1726.59,"sentiment":"neutral","sentiment_score":-0.06113555492653001},{"text":"Otherwise, we just cannot keep charging you.","start":1726.59,"end":1729.09,"sentiment":"neutral","sentiment_score":-0.08622413235051292},{"text":"It is a percentage of your super, so 1.65% of your superannuation.","start":1729.5499,"end":1734.9299,"sentiment":"neutral","sentiment_score":-0.02677668914354096}],"sentiment":"neutral","sentiment_score":0.022739759387655392,"num_words":99,"start":1701.99,"end":1734.9299},{"sentences":[{"text":"But let me see if I can see it on this report here.","start":1736.03,"end":1738.935,"sentiment":"neutral","sentiment_score":0.04604410036252095},{"text":"Here.","start":1739.415,"end":1739.4951,"sentiment":"neutral","sentiment_score":0.05572560057044029},{"text":"If not, I can just so I don't waste your time, I can get 15 to generate that for you, a fee disclosure statement even to see how much you have paid in the last twelve months and then estimating for the next twelve months, if that will be helpful for you.","start":1739.4951,"end":1756.17,"sentiment":"neutral","sentiment_score":0.12670207396149635},{"text":"I can get them to draft that and send that through to you.","start":1756.17,"end":1758.83,"sentiment":"neutral","sentiment_score":0.1317630410194397},{"text":"Yeah?","start":1760.01,"end":1760.51,"sentiment":"neutral","sentiment_score":0.09183067083358765}],"sentiment":"neutral","sentiment_score":0.11309446194209158,"num_words":80,"start":1736.03,"end":1760.51},{"sentences":[{"text":"Yeah.","start":1760.89,"end":1761.39,"sentiment":"neutral","sentiment_score":0.040994793176651},{"text":"Yes.","start":1764.33,"end":1764.83,"sentiment":"neutral","sentiment_score":0.020258406177163124},{"text":"Yes.","start":1766.33,"end":1766.715,"sentiment":"neutral","sentiment_score":0.0717325359582901},{"text":"Yeah.","start":1769.195,"end":1769.6749,"sentiment":"neutral","sentiment_score":0.14259031414985657},{"text":"Of course.","start":1769.6749,"end":1770.235,"sentiment":"neutral","sentiment_score":0.16418272256851196}],"sentiment":"neutral","sentiment_score":0.10065691576649745,"num_words":6,"start":1760.89,"end":1770.235},{"sentences":[{"text":"And, you know, by all means, we wanna make sure that you are happy and look after you at the end of the day, but there is no looking contract.","start":1770.235,"end":1776.6549,"sentiment":"neutral","sentiment_score":0.24188604975740116},{"text":"So if at any point in time you're not happy and don't want to stay on, that is completely up to you, obviously.","start":1776.7949,"end":1782.12,"sentiment":"neutral","sentiment_score":-0.06285454203253207},{"text":"Now I can see here as well that I do think your your partner is booked in to do some research as well.","start":1783.14,"end":1790.18,"sentiment":"neutral","sentiment_score":0.2884940109823061},{"text":"And with with couple fees as well, we have recently changed the structures for couples.","start":1790.18,"end":1797.225,"sentiment":"neutral","sentiment_score":0.2656649480263392},{"text":"So if it is that we have three people on board, so instead of you paying 1.65%, it will be reduced for 1.1 for both of you to make it a little bit more affordable as well if he, you know, decides to come on board.","start":1797.5249,"end":1812.31,"sentiment":"positive","sentiment_score":0.3602824664634207}],"sentiment":"neutral","sentiment_score":0.2409069850823305,"num_words":137,"start":1770.235,"end":1812.31},{"sentences":[{"text":"That would apply to you as well.","start":1812.31,"end":1814.01,"sentiment":"neutral","sentiment_score":0.2935048724923815},{"text":"Yeah.","start":1815.75,"end":1816.25,"sentiment":"neutral","sentiment_score":0.2648943066596985},{"text":"Yeah.","start":1819.43,"end":1819.93,"sentiment":"neutral","sentiment_score":0.19937045872211456},{"text":"And they will go they will go through all of that with with him as well, you know, in during the process.","start":1820.63,"end":1825.445,"sentiment":"neutral","sentiment_score":0.2595582482489673},{"text":"Yeah.","start":1827.1849,"end":1827.6849,"sentiment":"neutral","sentiment_score":0.14526736736297607}],"sentiment":"neutral","sentiment_score":0.2616983656771481,"num_words":32,"start":1812.31,"end":1827.6849},{"sentences":[{"text":"No.","start":1831.105,"end":1831.345,"sentiment":"neutral","sentiment_score":-0.11304039508104324},{"text":"That's okay.","start":1831.345,"end":1832.1649,"sentiment":"neutral","sentiment_score":-0.03253169357776642},{"text":"Yep.","start":1834.0,"end":1834.5,"sentiment":"neutral","sentiment_score":0.13641536235809326},{"text":"Yep.","start":1848.96,"end":1849.305,"sentiment":"neutral","sentiment_score":0.09138190746307372},{"text":"Yeah.","start":1855.545,"end":1856.045,"sentiment":"neutral","sentiment_score":0.10173963755369186}],"sentiment":"neutral","sentiment_score":0.025238854189713795,"num_words":6,"start":1831.105,"end":1856.045},{"sentences":[{"text":"Yep.","start":1856.1051,"end":1856.6051,"sentiment":"neutral","sentiment_score":0.1089065596461296},{"text":"Yep.","start":1859.385,"end":1859.885,"sentiment":"neutral","sentiment_score":0.08739267289638519},{"text":"Yep.","start":1865.6399,"end":1866.1399,"sentiment":"neutral","sentiment_score":0.04995010048151016},{"text":"Right.","start":1871.1599,"end":1871.6599,"sentiment":"neutral","sentiment_score":-0.018522365018725395},{"text":"Yeah.","start":1872.2,"end":1872.7,"sentiment":"neutral","sentiment_score":-0.08381679654121399}],"sentiment":"neutral","sentiment_score":0.028782034292817116,"num_words":5,"start":1856.1051,"end":1872.7},{"sentences":[{"text":"Yeah.","start":1878.125,"end":1878.285,"sentiment":"neutral","sentiment_score":0.06932497024536133},{"text":"Yeah.","start":1878.285,"end":1878.785,"sentiment":"neutral","sentiment_score":-0.015738142654299736},{"text":"I well, especially, you know, it's part of the ongoing service.","start":1878.845,"end":1881.245,"sentiment":"neutral","sentiment_score":0.22587151960893112},{"text":"So I think you spoke to my under review my my colleague, sorry, Dana, last year.","start":1881.245,"end":1885.565,"sentiment":"neutral","sentiment_score":0.12743861391209066},{"text":"So I'll have a look at that cash flow and budget.","start":1885.565,"end":1888.6849,"sentiment":"neutral","sentiment_score":0.1586123745549809}],"sentiment":"neutral","sentiment_score":0.1580481871496886,"num_words":40,"start":1878.125,"end":1888.6849},{"sentences":[{"text":"But definitely it's something we can do to have a bit of a review at and see if we can make any changes.","start":1888.6849,"end":1894.35,"sentiment":"neutral","sentiment_score":0.2889154832000318},{"text":"I'll check with with her and the team if we have that one and have a bit of review at it because definitely sometimes there can be obviously changes through it.","start":1895.13,"end":1903.71,"sentiment":"neutral","sentiment_score":0.13928947501605557},{"text":"When it comes to personal investments, we we can obviously do recommendations on different investments and structures and stuff like that.","start":1904.425,"end":1913.705,"sentiment":"neutral","sentiment_score":0.20288118897449403},{"text":"That would be good.","start":1913.705,"end":1914.665,"sentiment":"positive","sentiment_score":0.5716461837291718},{"text":"So whether that would be that's typically, like, if you want us to manage it.","start":1914.665,"end":1918.6901,"sentiment":"neutral","sentiment_score":0.06412666415174802}],"sentiment":"neutral","sentiment_score":0.19651084579527378,"num_words":94,"start":1888.6849,"end":1918.6901},{"sentences":[{"text":"So that would be more your your personal investments or investment bonds and stuff like that.","start":1918.6901,"end":1923.89,"sentiment":"neutral","sentiment_score":0.09760180581361055},{"text":"Then we would obviously do the research and make a recommendation on how to manage it.","start":1923.89,"end":1927.3301,"sentiment":"neutral","sentiment_score":0.16519076190888882},{"text":"But I also have clients who just want to do their own investment.","start":1927.3301,"end":1932.935,"sentiment":"neutral","sentiment_score":0.03568307510935343},{"text":"Because, obviously, we don't have, I guess, responsibility of managing those, it does become a little bit tricky.","start":1933.715,"end":1940.615,"sentiment":"neutral","sentiment_score":-0.18159879847533172},{"text":"But in some areas where it's like, okay.","start":1940.835,"end":1942.855,"sentiment":"neutral","sentiment_score":0.044550992315635085}],"sentiment":"neutral","sentiment_score":0.02473507923874217,"num_words":71,"start":1918.6901,"end":1942.855},{"sentences":[{"text":"Let's say you want to look at some investments and you just want a bit more research materials and and stuff like that, because we have access to all the research houses, I can very easily generate reports for you.","start":1943.235,"end":1956.03,"sentiment":"neutral","sentiment_score":0.2251889357343316},{"text":"So if you go, hey.","start":1956.03,"end":1956.91,"sentiment":"neutral","sentiment_score":0.22368827760219573},{"text":"I'm looking at doing, you know, this portfolio.","start":1956.91,"end":1958.21,"sentiment":"neutral","sentiment_score":0.1491841170936823},{"text":"What would that look like?","start":1958.21,"end":1958.2433,"sentiment":"neutral","sentiment_score":0.09545373991131782},{"text":"Because it's not something we would What would that look like?","start":1958.2433,"end":1961.395,"sentiment":"neutral","sentiment_score":-0.025988260792060333}],"sentiment":"neutral","sentiment_score":0.16682419688373373,"num_words":69,"start":1943.235,"end":1961.395},{"sentences":[{"text":"Because it's not something we would manage, I can't tell you directly yes or no because, ultimately, we don't have then the responsibility of managing that.","start":1961.6951,"end":1969.775,"sentiment":"neutral","sentiment_score":-0.14122487719242388},{"text":"But what I can do is I can put it into our software in front of a port on that portfolio, and that would then spit out for you.","start":1969.775,"end":1976.1599,"sentiment":"neutral","sentiment_score":0.3104706406593323},{"text":"It can be it can be quite in-depth of different risk allocations and performance and stuff like that based on the portfolio that you're looking at or if it's just individual investments as well.","start":1977.1,"end":1986.94,"sentiment":"neutral","sentiment_score":0.1604148920844583},{"text":"So you can always just send me an email if it's something that you you want some research so you can kind of have a look at things for you before doing it.","start":1986.94,"end":1995.245,"sentiment":"neutral","sentiment_score":0.25279662238829065},{"text":"That is perfectly fine.","start":1995.785,"end":1997.165,"sentiment":"positive","sentiment_score":0.49225739389657974}],"sentiment":"neutral","sentiment_score":0.16743830331261195,"num_words":126,"start":1961.6951,"end":1997.165},{"sentences":[{"text":"Sorry.","start":2002.905,"end":2003.145,"sentiment":"neutral","sentiment_score":-0.26797249913215637},{"text":"I think I lost you there.","start":2003.145,"end":2004.47,"sentiment":"negative","sentiment_score":-0.49110643565654755},{"text":"Yeah.","start":2007.09,"end":2007.41,"sentiment":"neutral","sentiment_score":0.15263906121253967},{"text":"Oh, sometimes technology.","start":2007.41,"end":2008.55,"sentiment":"neutral","sentiment_score":0.23538971443971},{"text":"So, yes, we can definitely do that.","start":2012.69,"end":2014.45,"sentiment":"positive","sentiment_score":0.5934186705521175}],"sentiment":"neutral","sentiment_score":0.09989598807361391,"num_words":18,"start":2002.905,"end":2014.45},{"sentences":[{"text":"So I will get the team to draft up that fee disclosure statement and email it to you.","start":2014.45,"end":2019.615,"sentiment":"neutral","sentiment_score":0.28793858198655975},{"text":"Just obviously disclosing the fee that you have paid in the last twelve months.","start":2019.675,"end":2023.355,"sentiment":"neutral","sentiment_score":0.1245609452681882},{"text":"And then, obviously, if you are happy to stay on, it's just estimating for the next twelve months, but it is a percentage of your super balance, just that 1.65 for the time being anyway.","start":2023.355,"end":2035.67,"sentiment":"neutral","sentiment_score":0.1663179819072996},{"text":"And, like, unless your partner does come on board, and it is just deducted from super monthly for you.","start":2036.13,"end":2043.075,"sentiment":"neutral","sentiment_score":0.1848316129885222},{"text":"So, typically, the fees will show you a yearly just to make it easy, but it is deducted monthly, especially to make it more fair to you because of, obviously, market fluctuations and stuff like that.","start":2043.075,"end":2052.855,"sentiment":"neutral","sentiment_score":0.23520371297167408}],"sentiment":"neutral","sentiment_score":0.20268042122975724,"num_words":122,"start":2014.45,"end":2052.855},{"sentences":[{"text":"Okay.","start":2054.515,"end":2054.85,"sentiment":"neutral","sentiment_score":0.14841938018798828},{"text":"Yes.","start":2063.25,"end":2063.6501,"sentiment":"neutral","sentiment_score":0.23260582983493805},{"text":"So, yeah, we definitely do personal investments.","start":2063.6501,"end":2065.73,"sentiment":"positive","sentiment_score":0.38329910167625975},{"text":"So whether that would be you know, there's a lot of different type of investments we can look at and manage for sure depending on, you know, time frames and and how much money you are looking at doing for sure.","start":2065.73,"end":2076.295,"sentiment":"neutral","sentiment_score":0.2438086482082925},{"text":"Definitely.","start":2076.295,"end":2076.795,"sentiment":"neutral","sentiment_score":0.1859910935163498}],"sentiment":"neutral","sentiment_score":0.25973067827084484,"num_words":51,"start":2054.515,"end":2076.795},{"sentences":[{"text":"More from a from a platform point of view, yes.","start":2082.935,"end":2085.32,"sentiment":"neutral","sentiment_score":0.0792732510715723},{"text":"So what amounts are you kind of looking at?","start":2085.62,"end":2089.4001,"sentiment":"neutral","sentiment_score":0.044593129927913346},{"text":"Mhmm.","start":2094.02,"end":2094.52,"sentiment":"neutral","sentiment_score":-0.0586736723780632},{"text":"Yeah.","start":2099.9949,"end":2100.315,"sentiment":"neutral","sentiment_score":0.05430107191205025},{"text":"So most of the the platforms, because they are a little bit more, I guess, sophisticated, and there's a lot more you can do with it to make, obviously, the fees and everything worth it and to even get it set up.","start":2100.315,"end":2112.075,"sentiment":"neutral","sentiment_score":0.2538009298344453}],"sentiment":"neutral","sentiment_score":0.18808471639123228,"num_words":63,"start":2082.935,"end":2112.075},{"sentences":[{"text":"A lot of the investment accounts do require about 20,000 as a deposit.","start":2112.075,"end":2117.98,"sentiment":"neutral","sentiment_score":0.05693818342227202},{"text":"You then have investment bonds, which is a different form of investing where you have you heard much about it before?","start":2119.32,"end":2127.315,"sentiment":"neutral","sentiment_score":0.030131195450112933},{"text":"Investment bonds and stuff like that?","start":2127.315,"end":2129.335,"sentiment":"neutral","sentiment_score":0.037167228758335114},{"text":"It is.","start":2132.2751,"end":2133.335,"sentiment":"neutral","sentiment_score":0.02413427922874689},{"text":"It is.","start":2133.395,"end":2133.715,"sentiment":"neutral","sentiment_score":0.03776615299284458}],"sentiment":"neutral","sentiment_score":0.03908535740761594,"num_words":44,"start":2112.075,"end":2133.715},{"sentences":[{"text":"And it's it's kind of weird because it kind of acts as a life insurance policy, but it's not because it's still part of investment.","start":2133.715,"end":2139.18,"sentiment":"neutral","sentiment_score":-0.0008141859620809555},{"text":"But it does that from, like, a tax point of view.","start":2139.18,"end":2141.02,"sentiment":"neutral","sentiment_score":0.06750517914241011},{"text":"So investment bonds, you can definitely have a lower amount.","start":2141.02,"end":2144.3,"sentiment":"neutral","sentiment_score":0.22034494429826737},{"text":"Sometimes we have people around more like your 10 or might even be able to do five, but, typically, it's more around the 10 to 15.","start":2144.3,"end":2152.575,"sentiment":"neutral","sentiment_score":0.1053874590075933},{"text":"There is one that's a little bit different.","start":2152.575,"end":2154.015,"sentiment":"neutral","sentiment_score":0.012432921677827835}],"sentiment":"neutral","sentiment_score":0.07206486340146512,"num_words":80,"start":2133.715,"end":2154.015},{"sentences":[{"text":"They're more your your long term investment.","start":2154.015,"end":2155.875,"sentiment":"neutral","sentiment_score":0.12398566412074226},{"text":"So the really good thing with investment bonds is that if it's a long term investment that you are wanting to have for, let's say, 10 or then they become really tax effective.","start":2156.015,"end":2168.21,"sentiment":"positive","sentiment_score":0.5115267625360778},{"text":"Because when you sell it, you don't have to pay any capital gains tax on it, and then you don't have it doesn't get added to your personal tax either.","start":2168.35,"end":2176.51,"sentiment":"neutral","sentiment_score":0.24658703804016113},{"text":"So you don't pay any personal tax on it when you sell it.","start":2176.51,"end":2179.585,"sentiment":"neutral","sentiment_score":0.17264905457313245},{"text":"So that is obviously very different through your personal investment because, obviously, you would then have to pay your capital gains tax on it.","start":2179.585,"end":2187.185,"sentiment":"neutral","sentiment_score":0.023595727359255154}],"sentiment":"neutral","sentiment_score":0.2612769076618079,"num_words":107,"start":2154.015,"end":2187.185},{"sentences":[{"text":"And then when you you know, earnings and stuff like that will then be added to your taxable income.","start":2187.185,"end":2191.445,"sentiment":"neutral","sentiment_score":0.09388279738394838},{"text":"So it becomes really tax effective if we're looking at longer term investment.","start":2191.665,"end":2196.2998,"sentiment":"neutral","sentiment_score":0.25991349151501286},{"text":"They still have, you know, options in terms of if you can still invest in a lot of different investment options, not as extensive as your personal investment account.","start":2196.8398,"end":2206.7,"sentiment":"neutral","sentiment_score":0.05991950181537661},{"text":"There are some restrictions on some of them with, you know, how much regular contributions.","start":2207.0,"end":2211.8252,"sentiment":"neutral","sentiment_score":-0.20146775444348652},{"text":"And if you wanna take it out before the ten year, then it's not as tax effective.","start":2211.885,"end":2215.665,"sentiment":"neutral","sentiment_score":-0.24036988265374126}],"sentiment":"neutral","sentiment_score":-0.0022364540766644223,"num_words":93,"start":2187.185,"end":2215.665},{"sentences":[{"text":"So it kind of depends on, you know, time frames and what your goals and stuff like that are.","start":2215.965,"end":2221.425,"sentiment":"neutral","sentiment_score":-0.09918869208348424},{"text":"Otherwise, if you do just a little bit of investing yourself, because sometimes we have clients who just want to do a little bit investing themselves if they just have a couple of thousand as well.","start":2221.8052,"end":2230.9,"sentiment":"neutral","sentiment_score":0.10244327566275994},{"text":"Most of your Comtech and other platforms, they don't really have a a minimum or it's a lot lower.","start":2231.3599,"end":2238.835,"sentiment":"neutral","sentiment_score":0.008794586272224},{"text":"So you can definitely do, like, a thousand and stuff like that.","start":2238.835,"end":2241.4749,"sentiment":"neutral","sentiment_score":0.18814855565627417},{"text":"But because it's it's not it's a different kind of platform, we wouldn't be able to manage that for you.","start":2241.4749,"end":2247.4949,"sentiment":"neutral","sentiment_score":-0.060925773531198504}],"sentiment":"neutral","sentiment_score":0.02839374632732767,"num_words":106,"start":2215.965,"end":2247.4949},{"sentences":[{"text":"Yeah.","start":2249.1548,"end":2249.6548,"sentiment":"neutral","sentiment_score":0.0757451206445694},{"text":"Yeah.","start":2250.595,"end":2251.095,"sentiment":"neutral","sentiment_score":0.12245886027812958},{"text":"So so, hopefully, that helped them a little bit, though, for you.","start":2254.55,"end":2257.85,"sentiment":"positive","sentiment_score":0.39574125905831653},{"text":"Yeah.","start":2259.4302,"end":2259.9302,"sentiment":"positive","sentiment_score":0.40426263213157654},{"text":"Yeah.","start":2260.31,"end":2260.6301,"sentiment":"neutral","sentiment_score":0.16777566075325012}],"sentiment":"positive","sentiment_score":0.34494608640670776,"num_words":16,"start":2249.1548,"end":2260.6301},{"sentences":[{"text":"No.","start":2260.6301,"end":2260.9502,"sentiment":"neutral","sentiment_score":0.10679444670677184},{"text":"That's okay.","start":2260.9502,"end":2261.77,"sentiment":"neutral","sentiment_score":0.1596129834651947},{"text":"So like I said, I'll get to the team through email you that fee disclosure statement.","start":2262.3901,"end":2266.695,"sentiment":"neutral","sentiment_score":0.15785797638818622},{"text":"Is there anything else that you kind of need from us at the moment?","start":2268.355,"end":2272.275,"sentiment":"neutral","sentiment_score":0.12949559944016592},{"text":"I know here as well that we have you booked down to do quarterly review reviews moving forward as well to give a bit more communication.","start":2272.275,"end":2279.9749,"sentiment":"neutral","sentiment_score":0.16840005207520264}],"sentiment":"neutral","sentiment_score":0.15496758952484294,"num_words":59,"start":2260.6301,"end":2279.9749},{"sentences":[{"text":"And, you know, if anything changes, we can always revisit things for you then or, obviously, at any point in time, if you go, you know what?","start":2280.29,"end":2287.81,"sentiment":"neutral","sentiment_score":0.15477292819155586},{"text":"Now I would like to do this, then we can definitely do all of that.","start":2287.81,"end":2292.21,"sentiment":"positive","sentiment_score":0.4185701111952464},{"text":"And the last thing I was going to ask as well is your mortgage and stuff like that.","start":2292.21,"end":2297.455,"sentiment":"neutral","sentiment_score":0.043518684804439545},{"text":"When was the last time you guys had a refinance?","start":2297.455,"end":2300.835,"sentiment":"neutral","sentiment_score":-0.004217706806957722},{"text":"Do you know?","start":2301.695,"end":2302.5151,"sentiment":"neutral","sentiment_score":-0.018443603068590164}],"sentiment":"neutral","sentiment_score":0.15264724901788038,"num_words":73,"start":2280.29,"end":2302.5151},{"sentences":[{"text":"Mhmm.","start":2309.215,"end":2309.43,"sentiment":"neutral","sentiment_score":-0.03984855115413666},{"text":"Yep.","start":2315.27,"end":2315.77,"sentiment":"neutral","sentiment_score":0.00991541799157858},{"text":"Yep.","start":2318.71,"end":2319.21,"sentiment":"neutral","sentiment_score":0.0418374165892601},{"text":"Do do you know do you know your account?","start":2327.535,"end":2330.4148,"sentiment":"neutral","sentiment_score":-0.04622319175137414},{"text":"Right?","start":2330.4148,"end":2330.9148,"sentiment":"neutral","sentiment_score":0.0036245491355657578}],"sentiment":"neutral","sentiment_score":-0.030806145630776882,"num_words":13,"start":2309.215,"end":2330.9148},{"sentences":[{"text":"Yep.","start":2339.1702,"end":2339.6702,"sentiment":"neutral","sentiment_score":0.158764585852623},{"text":"Perfect.","start":2351.8152,"end":2352.215,"sentiment":"positive","sentiment_score":0.5615054368972778},{"text":"And that's variable?","start":2352.215,"end":2353.2751,"sentiment":"neutral","sentiment_score":0.20422151188055673},{"text":"Yeah.","start":2354.855,"end":2355.355,"sentiment":"neutral","sentiment_score":0.15681220591068268},{"text":"It it's up to you.","start":2357.655,"end":2358.855,"sentiment":"neutral","sentiment_score":0.19925911128520965}],"sentiment":"neutral","sentiment_score":0.22600384733893655,"num_words":11,"start":2339.1702,"end":2358.855},{"sentences":[{"text":"It it's not it's not too bad.","start":2358.855,"end":2360.7952,"sentiment":"neutral","sentiment_score":0.24445274685110366},{"text":"If it is you know, sometimes it's always worth checking.","start":2362.0552,"end":2365.73,"sentiment":"neutral","sentiment_score":0.2835701897740364},{"text":"I always suggest through to get to get it reviewed each year just to see, especially as your property has gone up, especially from when you took the loan out.","start":2366.35,"end":2374.83,"sentiment":"neutral","sentiment_score":0.3226165175437927},{"text":"If there's more equity in it, then you can obviously lower that down so you can make it more affordable sometimes as well.","start":2374.83,"end":2382.125,"sentiment":"positive","sentiment_score":0.3451650401820307},{"text":"If it how do you guys pay it?","start":2382.425,"end":2384.2651,"sentiment":"neutral","sentiment_score":0.06725470069795847}],"sentiment":"neutral","sentiment_score":0.29105384848438776,"num_words":78,"start":2358.855,"end":2384.2651},{"sentences":[{"text":"Is there a weekly, monthly, fortnightly?","start":2384.2651,"end":2385.965,"sentiment":"neutral","sentiment_score":0.03960179537534714},{"text":"Weekly.","start":2388.105,"end":2388.605,"sentiment":"neutral","sentiment_score":0.053496040403842926},{"text":"Okay.","start":2388.665,"end":2388.985,"sentiment":"neutral","sentiment_score":0.20620238780975345},{"text":"Perfect.","start":2388.985,"end":2389.485,"sentiment":"positive","sentiment_score":0.4380075931549072},{"text":"Because that sometimes as well can obviously speed things up a little bit by doing it weekly, so that's good.","start":2390.185,"end":2395.04,"sentiment":"positive","sentiment_score":0.37143235057592394}],"sentiment":"neutral","sentiment_score":0.28841254500479535,"num_words":29,"start":2384.2651,"end":2395.04},{"sentences":[{"text":"But if it is something that you are interested in, I can always get a mortgage broker to give you a call if you would like a bit of a review of your mortgage to see if they can find any better options for you?","start":2395.58,"end":2407.695,"sentiment":"neutral","sentiment_score":0.12479300126433372},{"text":"Yeah.","start":2408.635,"end":2409.115,"sentiment":"neutral","sentiment_score":0.10389941185712814},{"text":"Yeah.","start":2409.115,"end":2409.595,"sentiment":"neutral","sentiment_score":0.08978797495365143},{"text":"I mean, it doesn't hurt.","start":2409.595,"end":2410.4749,"sentiment":"neutral","sentiment_score":0.061441607773303986},{"text":"Worst comes to worst.","start":2410.4749,"end":2411.275,"sentiment":"neutral","sentiment_score":-0.16876497119665146}],"sentiment":"neutral","sentiment_score":0.09717001067474484,"num_words":56,"start":2395.58,"end":2411.275},{"sentences":[{"text":"They'll do the research, and they say, do you know what?","start":2411.275,"end":2413.595,"sentiment":"neutral","sentiment_score":0.07261662659319965},{"text":"You're in a pretty good deal.","start":2413.595,"end":2414.555,"sentiment":"positive","sentiment_score":0.4214750826358795},{"text":"We'll touch base a a bit later.","start":2414.555,"end":2416.635,"sentiment":"neutral","sentiment_score":0.25319838736738476},{"text":"And, you know, if they can find something better, that's great.","start":2416.635,"end":2419.135,"sentiment":"neutral","sentiment_score":0.2752778855237094},{"text":"So are you happy for me to pass on, obviously, your phone number and email address to them?","start":2419.435,"end":2424.01,"sentiment":"neutral","sentiment_score":0.15287123247981071}],"sentiment":"neutral","sentiment_score":0.20527850991150118,"num_words":53,"start":2411.275,"end":2424.01},{"sentences":[{"text":"Perfect.","start":2424.01,"end":2424.51,"sentiment":"neutral","sentiment_score":0.1935161054134369},{"text":"And do you have a best contact time I have here after 5PM at big time?","start":2425.05,"end":2430.75,"sentiment":"neutral","sentiment_score":0.08631991036236286},{"text":"Typically?","start":2432.41,"end":2432.91,"sentiment":"neutral","sentiment_score":0.02853354439139366},{"text":"Okay.","start":2434.73,"end":2435.23,"sentiment":"neutral","sentiment_score":0.06490720063447952},{"text":"So they're after, what, four to five.","start":2435.93,"end":2437.765,"sentiment":"neutral","sentiment_score":0.06934742097343717}],"sentiment":"neutral","sentiment_score":0.08282720627119908,"num_words":26,"start":2424.01,"end":2437.765},{"sentences":[{"text":"Any preference on any days?","start":2437.765,"end":2439.445,"sentiment":"neutral","sentiment_score":0.04432406723499298},{"text":"Like, oh, is it just Monday to Friday, typically, or Monday to Thursday?","start":2439.445,"end":2442.665,"sentiment":"neutral","sentiment_score":0.044251958338113934},{"text":"Yep.","start":2446.005,"end":2446.325,"sentiment":"neutral","sentiment_score":0.1186927780508995},{"text":"Okay.","start":2446.325,"end":2446.725,"sentiment":"neutral","sentiment_score":0.24279183149337769},{"text":"Perfect.","start":2446.725,"end":2447.225,"sentiment":"positive","sentiment_score":0.40695804357528687}],"sentiment":"neutral","sentiment_score":0.07453992608047667,"num_words":21,"start":2437.765,"end":2447.225},{"sentences":[{"text":"I will send that off to them and get them through, give you a call.","start":2447.605,"end":2451.125,"sentiment":"neutral","sentiment_score":0.2822127471367518},{"text":"I'll also send an introduction email so that you have their contact details as well, but I'll get them through to reach out.","start":2451.125,"end":2458.02,"sentiment":"neutral","sentiment_score":0.21063225748746292},{"text":"But then that way, you have their details as well just to see if there's anything else that you can do with it.","start":2458.02,"end":2464.12,"sentiment":"neutral","sentiment_score":0.23975125570660052},{"text":"And, you know, if you do get through, you want us to review your personal investments a little bit more as well.","start":2464.74,"end":2470.785,"sentiment":"neutral","sentiment_score":0.13431288437409836},{"text":"If you have a little bit more potentially that you would like us to do, then just let us know.","start":2471.165,"end":2476.125,"sentiment":"neutral","sentiment_score":0.05638257963582873}],"sentiment":"neutral","sentiment_score":0.1813062821306939,"num_words":103,"start":2447.605,"end":2476.125},{"sentences":[{"text":"We can always do some some research in different things.","start":2476.125,"end":2488.85,"sentiment":"neutral","sentiment_score":0.1502821795642376},{"text":"Yep.","start":2491.87,"end":2492.27,"sentiment":"neutral","sentiment_score":0.1767076551914215},{"text":"Yep.","start":2492.27,"end":2492.77,"sentiment":"neutral","sentiment_score":0.2968064546585083},{"text":"Perfect.","start":2492.855,"end":2493.355,"sentiment":"positive","sentiment_score":0.5992773771286011},{"text":"I will check-in with my my colleague who you would have done that with and see, but I can schedule you in any way for a follow-up in regards to that now while I have you on the phone if you would like just so it's all scheduled in there for you.","start":2494.4548,"end":2510.0698,"sentiment":"positive","sentiment_score":0.37657299322577625}],"sentiment":"positive","sentiment_score":0.3408832143132503,"num_words":65,"start":2476.125,"end":2510.0698},{"sentences":[{"text":"Now let me see.","start":2511.65,"end":2512.95,"sentiment":"neutral","sentiment_score":0.08982347883284092},{"text":"Has it when was the last time you completed it?","start":2517.17,"end":2519.5698,"sentiment":"neutral","sentiment_score":0.0022055555135011675},{"text":"Was that a little while ago?","start":2519.5698,"end":2520.95,"sentiment":"neutral","sentiment_score":-0.007660032560427983},{"text":"Okay.","start":2522.93,"end":2523.255,"sentiment":"neutral","sentiment_score":0.04758179187774658},{"text":"Okay.","start":2524.2148,"end":2524.6948,"sentiment":"neutral","sentiment_score":0.04732377827167511}],"sentiment":"neutral","sentiment_score":0.019558856602419506,"num_words":22,"start":2511.65,"end":2524.6948},{"sentences":[{"text":"Well, yeah, maybe the first point is I'll get them to resend it to you.","start":2524.6948,"end":2528.2148,"sentiment":"neutral","sentiment_score":0.10188344940543174},{"text":"Obviously, have a bit of review over it and see if anything's changed, do some tweaks, send it back.","start":2528.2148,"end":2532.535,"sentiment":"neutral","sentiment_score":0.12152644991874695},{"text":"And then as soon as we get it back, we'll then get in touch to book in a catch up to review the cash flow budgeting in a little bit more kind of in-depth and see if there's anything else we can restructure for you.","start":2532.535,"end":2542.88,"sentiment":"neutral","sentiment_score":0.10816521880527337},{"text":"Yes.","start":2559.005,"end":2559.505,"sentiment":"neutral","sentiment_score":0.0806790143251419},{"text":"That is correct.","start":2566.8599,"end":2567.84,"sentiment":"neutral","sentiment_score":-0.014115727584188184}],"sentiment":"neutral","sentiment_score":0.10533760201623552,"num_words":83,"start":2524.6948,"end":2567.84},{"sentences":[{"text":"No.","start":2568.8599,"end":2569.0999,"sentiment":"neutral","sentiment_score":-0.12001216411590576},{"text":"That that that is correct.","start":2569.0999,"end":2570.46,"sentiment":"neutral","sentiment_score":-0.17103608846664428},{"text":"Sorry.","start":2570.46,"end":2570.96,"sentiment":"neutral","sentiment_score":0.07594354450702667},{"text":"It is a good one.","start":2571.66,"end":2572.46,"sentiment":"positive","sentiment_score":0.5756285190582275},{"text":"So, yes, definitely, if, you know, your your partner does come on board as a client, not only will the ongoing advice fee be reduced for you because you're a couple, but because you referred him on as well, you will also get a $100 gift card to say thank you.","start":2572.46,"end":2588.5552,"sentiment":"positive","sentiment_score":0.362533562615806}],"sentiment":"neutral","sentiment_score":0.32489055915484355,"num_words":63,"start":2568.8599,"end":2588.5552},{"sentences":[{"text":"Yeah.","start":2589.0952,"end":2589.3352,"sentiment":"positive","sentiment_score":0.3801065385341644},{"text":"That will definitely be you know, if he signs on board, we already have that on record as you referred him.","start":2589.3352,"end":2595.3098,"sentiment":"positive","sentiment_score":0.39712703015123096},{"text":"So, you know, if he does sign on board, then we already have that kind of noted on the account that you will then, you know, get that gift gift voucher to say thank you.","start":2595.93,"end":2606.425,"sentiment":"neutral","sentiment_score":0.2902418208973748},{"text":"Yeah.","start":2606.425,"end":2606.925,"sentiment":"neutral","sentiment_score":0.1774245798587799},{"text":"Veronica.","start":2608.5051,"end":2609.0051,"sentiment":"neutral","sentiment_score":0.0771670937538147}],"sentiment":"neutral","sentiment_score":0.3242852470632327,"num_words":59,"start":2589.0952,"end":2609.0051},{"sentences":[{"text":"No problem.","start":2611.625,"end":2612.345,"sentiment":"neutral","sentiment_score":0.23746184259653091},{"text":"No.","start":2612.345,"end":2612.425,"sentiment":"neutral","sentiment_score":0.0957023948431015},{"text":"Anything else that you do need, though, don't hesitate to give me a call.","start":2612.425,"end":2615.785,"sentiment":"neutral","sentiment_score":0.06600456791264671},{"text":"But, otherwise, keep a look at on that email with that free disclosure statement for you.","start":2615.785,"end":2621.3801,"sentiment":"neutral","sentiment_score":0.16460778191685677},{"text":"No problem.","start":2621.3801,"end":2622.02,"sentiment":"neutral","sentiment_score":0.29575127363204956}],"sentiment":"neutral","sentiment_score":0.1348547739642007,"num_words":35,"start":2611.625,"end":2622.02},{"sentences":[{"text":"No problem at all.","start":2622.02,"end":2622.82,"sentiment":"positive","sentiment_score":0.38573820143938065},{"text":"Thanks, Leah.","start":2622.82,"end":2623.6401,"sentiment":"positive","sentiment_score":0.6075546741485596},{"text":"Okay.","start":2624.1802,"end":2624.6802,"sentiment":"positive","sentiment_score":0.4399911165237427},{"text":"Bye.","start":2625.22,"end":2625.72,"sentiment":"neutral","sentiment_score":-0.0950508862733841}],"sentiment":"positive","sentiment_score":0.38787529803812504,"num_words":8,"start":2622.02,"end":2625.72}]}}]},{"alternatives":[{"transcript":"Hi. This is Hello? Leah? Yes? Good. Thank you. Yep. Yep. 38 O'Leary Way, Miami Way, Victoria. 07/1989. Yeah. Just busy with work. Okay. I I was. I thought I was looking at Kyle. No. I just that's what I got told that I was booking with Kyle. Because I even spoke to Maddie yesterday, and she said, oh, you're booking with Kyle tomorrow. So I was like, okay. If you're, like, qualified to answer the question, that's fine. Because the last person I spoke to said kept saying she's not qualified to answer anything. So I wasn't able to really yeah. Okay. Yeah. That's fine then. Okay. Sure. Hopefully, they took notes because it was, like, over three weeks ago when I spoke to her, so I can't remember. I'm trying to I don't remember anything about incentives. I was asking questions about my super to see if it was performing, like, like, as expected. I don't have quest I don't recall giving me anything to do with insurance. I was asked her advice how to utilize all my because I had sent through a copy of, like, I filled in a budget thing at some, like, spreadsheet, and then no one ever got back to me. So I was asking about that better ways, I guess, manage our money. But I wanted I did have questions around my super to see if it was performing as it should be. No. No. She didn't go through any luck. I have a signature request, and I don't know what they're asking me to sign. It's got annual review pad, PSN, OptiInform, and OSA. Is it super insurance summary? That would be it. I assume. Yep. I bought it. I couldn't Yep. Yeah. Yeah. I do. Yeah. Yep. Yes. I think so. What does death mean again? Yes. Mhmm. Yeah. Yep. Hello? Sorry. It just sort of went near the phone. Are you there? Yeah. So is that how much I pay, what, per year for those insurances? And is that comparable? Like, is that a competitive rate? Because that's like a big chunk coming out of my super. Right. I remember he's explained this. He said it was better to keep this policy because there's a little bit there's extra stuff here. Is that right? Right. Okay. Okay. Yes. Yes. Yes. Okay. Cool. Yeah. So I've got gas single, first thing, fast wheels, parts, triple insurance, I mean, one plus COC, and have 24 IRR. Ah, okay. 24. Yeah. Yeah. Yep. Yeah. Mhmm. Mhmm. What is sorry. I was wondering which of the investments sort of performed the best. Like, looking at the first page there, What was the highest return one? I n t o s. Yes. Okay. And that's the are the twelve months? Gold. Yeah. So when that does that mean buying actual, like, gold? Okay. Yeah. I'm just wondering if I can, like, buy shares myself, like or just earn a super. Mhmm. So is my has it grown like, isn't I super where it should be for my age? Mhmm. Yep. Okay. Okay. Okay. Mhmm. Okay. Yep. So I have two follow-up questions. Yeah. It does. Yes. Yes. Sorry. One question is is is Hub 24 still where I should stay? Because I don't care about whatever company is going to, like, just wherever it's gonna get me the best returns. And the second question is, should I be contributing? And if it's a personal decision, is there advice around ways to, you know, put contributions in that's gonna sort of maximize, like, you know, sort of things in terms of my wages day to day. Yep. Yes. Mhmm. Yes. Okay. Yeah. Okay. Yes. Okay. I'm fine. I'm happy with that. Yes. Hold on. Mhmm. Don't worry, ma'am. But it doesn't typically get saved, but, yes, we've got a $5,250. So I can yeah. I was gonna say I can stop contributing anytime though I want to. I know I can't get the money back. That's fine. I've contributed before, but I can stop contributing if I want to. Yes. Yeah. They well, it was, like, years ago, and I didn't put much in. Like, it was, like, I don't know, $20 a week or something. They would just take it out pretax, and then I think my taxes then worked out afterwards. Yeah. Okay. And if I wanted to organize that, do I just speak to my employer about doing and what's it called? Salary sacrifice? Is that it? Yes. Okay. Because I just looked up on the house pay calculator, and if I do $50 a fortnight, then I'm only losing $18 a week or something. So, like, it doesn't really put my pay down very much. Yeah. Yes. Yes. Does the salary sacrifice work for anything else or just super? I don't see salary. Okay. Yes. Yes. Okay. That's fine. I know it might work. Right? But that is fine. I'll have a think about that. Okay. So I think I'm pretty happy with my super. Where do I find, like, what fees I'm paying for the financial advice adviser for OC? Yes. Yes. That's fine. I guess I need to research whether that's competitive compared to other services is what I'm is is what I'm thinking. Yeah. Yes. Mhmm. Cool. Alright. So I'll talk to him about that. Cool. And I I don't want to skip too much of your time, but I guess what I really wanna utilize is what services you guys have available for me. So I really wanna try and and as far as you go, but even if you can guide me, I really wanna try and learn more about investing myself. Like, obviously, not super, but my own sort of money to try and, you know, make a return there. So I wanted to just get some education around that. And then I did yeah. Like I said, I I did send in that that budget thing just to see if there is any advice around how if we could manage our audit budget better, our money better, because I feel like we don't really do that very well. But if you guys don't do that, that's fine. But I just wanted to utilize what I can. Mhmm. Yeah. I cut out for a little bit. Yeah. Mhmm. And so you guys manage personal investments as well. So, like, usually, you have to have a sum of money, right, to start off with that? Is there, like, a minimum amount? I know some obviously, a lot of places have minimum amount. Yeah. I was I thought, like, I thought $10 there, but I don't wanna put all my $10 in there, like, maybe $5 or something, but I don't know if that's enough. Yep. Look. I did do research initially, but it's just it's a lot of information to sort of get your head around. Yeah. Yep. That was Contacts. Yep. Okay. Cool. Okay. Cool. Yep. Yeah. It does. Thank you. Yeah. I mean, we we we'll refinance, but we withdrew a little bit of money out last year. I haven't done a full refinance yet because of the way interest rates have been going. So we're with AMP currently. I didn't know whether it was worth waiting to see because I don't know if we're really gonna get a better rate at the moment with interest rates without going, but yeah. Yeah. Well, they haven't announced it going up, but I expect an email in a day. I'm sure. Let's see. Five point seven four percent. Yes. Wheat cream. Yes. Yes. I'm sent. Yes. Yeah. Yeah. Yeah. Yeah. Fine. Yeah. After four or five is better. Yeah. Wednesday to Thursday. Yep. Mhmm. Perfect. And I just want to follow-up with the budget, like, the thing that I feel well, I don't remember if I've got it whenever I can do a new one, but just the budget stuff. Yep. Yep. Well, should they resend it to me for me to send back or something? Yes. Yeah. Perfect. No worries. And I don't know if you can pass this along, but I did get told at some point that if I refer someone to maybe there was, like, some sort of referrals being there. So I don't know if that if James does sign up, if there's any sort of referral program or something that you do. Actually, they did say, like, you get a bath or something, but I just want to ask the questions. Yeah. I I cut it off. Awesome. Perfect. Alright. Cool. Thank you so much. What was your name, sir? Veronica. Perfect. Thank you for your help. I will. Thank you. Thank you for your time. Thank you. 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This is Hello? Leah? Yes? Good.\n\nThank you. Yep. Yep. 38 O'Leary Way, Miami Way, Victoria. 07/1989.\n\nYeah. Just busy with work. Okay. I I was. I thought I was looking at Kyle.\n\nNo. I just that's what I got told that I was booking with Kyle. Because I even spoke to Maddie yesterday, and she said, oh, you're booking with Kyle tomorrow. So I was like, okay. If you're, like, qualified to answer the question, that's fine.\n\nBecause the last person I spoke to said kept saying she's not qualified to answer anything. So I wasn't able to really yeah. Okay. Yeah. That's fine then.\n\nOkay. Sure. Hopefully, they took notes because it was, like, over three weeks ago when I spoke to her, so I can't remember. I'm trying to I don't remember anything about incentives. I was asking questions about my super to see if it was performing, like, like, as expected.\n\nI don't have quest I don't recall giving me anything to do with insurance. I was asked her advice how to utilize all my because I had sent through a copy of, like, I filled in a budget thing at some, like, spreadsheet, and then no one ever got back to me. So I was asking about that better ways, I guess, manage our money. But I wanted I did have questions around my super to see if it was performing as it should be. No.\n\nNo. She didn't go through any luck. I have a signature request, and I don't know what they're asking me to sign. It's got annual review pad, PSN, OptiInform, and OSA. Is it super insurance summary?\n\nThat would be it. I assume. Yep. I bought it. I couldn't Yep.\n\nYeah. Yeah. I do. Yeah. Yep.\n\nYes. I think so. What does death mean again? Yes. Mhmm.\n\nYeah. Yep. Hello? Sorry. It just sort of went near the phone.\n\nAre you there? Yeah. So is that how much I pay, what, per year for those insurances? And is that comparable? Like, is that a competitive rate?\n\nBecause that's like a big chunk coming out of my super. Right. I remember he's explained this. He said it was better to keep this policy because there's a little bit there's extra stuff here. Is that right?\n\nRight. Okay. Okay. Yes. Yes.\n\nYes. Okay. Cool. Yeah. So I've got gas single, first thing, fast wheels, parts, triple insurance, I mean, one plus COC, and have 24 IRR.\n\nAh, okay. 24. Yeah. Yeah. Yep.\n\nYeah. Mhmm. Mhmm. What is sorry. I was wondering which of the investments sort of performed the best.\n\nLike, looking at the first page there, What was the highest return one? I n t o s. Yes. Okay. And that's the are the twelve months?\n\nGold. Yeah. So when that does that mean buying actual, like, gold? Okay. Yeah.\n\nI'm just wondering if I can, like, buy shares myself, like or just earn a super. Mhmm. So is my has it grown like, isn't I super where it should be for my age? Mhmm. Yep.\n\nOkay. Okay. Okay. Mhmm. Okay.\n\nYep. So I have two follow-up questions. Yeah. It does. Yes.\n\nYes. Sorry. One question is is is Hub 24 still where I should stay? Because I don't care about whatever company is going to, like, just wherever it's gonna get me the best returns. And the second question is, should I be contributing?\n\nAnd if it's a personal decision, is there advice around ways to, you know, put contributions in that's gonna sort of maximize, like, you know, sort of things in terms of my wages day to day. Yep. Yes. Mhmm. Yes.\n\nOkay. Yeah. Okay. Yes. Okay.\n\nI'm fine. I'm happy with that. Yes. Hold on. Mhmm.\n\nDon't worry, ma'am. But it doesn't typically get saved, but, yes, we've got a $5,250. So I can yeah. I was gonna say I can stop contributing anytime though I want to. I know I can't get the money back.\n\nThat's fine. I've contributed before, but I can stop contributing if I want to. Yes. Yeah. They well, it was, like, years ago, and I didn't put much in.\n\nLike, it was, like, I don't know, $20 a week or something. They would just take it out pretax, and then I think my taxes then worked out afterwards. Yeah. Okay. And if I wanted to organize that, do I just speak to my employer about doing and what's it called?\n\nSalary sacrifice? Is that it? Yes. Okay. Because I just looked up on the house pay calculator, and if I do $50 a fortnight, then I'm only losing $18 a week or something.\n\nSo, like, it doesn't really put my pay down very much. Yeah. Yes. Yes. Does the salary sacrifice work for anything else or just super?\n\nI don't see salary. Okay. Yes. Yes. Okay.\n\nThat's fine. I know it might work. Right? But that is fine. I'll have a think about that.\n\nOkay. So I think I'm pretty happy with my super. Where do I find, like, what fees I'm paying for the financial advice adviser for OC? Yes. Yes.\n\nThat's fine. I guess I need to research whether that's competitive compared to other services is what I'm is is what I'm thinking. Yeah. Yes. Mhmm.\n\nCool. Alright. So I'll talk to him about that. Cool. And I I don't want to skip too much of your time, but I guess what I really wanna utilize is what services you guys have available for me.\n\nSo I really wanna try and and as far as you go, but even if you can guide me, I really wanna try and learn more about investing myself. Like, obviously, not super, but my own sort of money to try and, you know, make a return there. So I wanted to just get some education around that. And then I did yeah. Like I said, I I did send in that that budget thing just to see if there is any advice around how if we could manage our audit budget better, our money better, because I feel like we don't really do that very well.\n\nBut if you guys don't do that, that's fine. But I just wanted to utilize what I can. Mhmm. Yeah. I cut out for a little bit.\n\nYeah. Mhmm. And so you guys manage personal investments as well. So, like, usually, you have to have a sum of money, right, to start off with that? Is there, like, a minimum amount?\n\nI know some obviously, a lot of places have minimum amount. Yeah. I was I thought, like, I thought $10 there, but I don't wanna put all my $10 in there, like, maybe $5 or something, but I don't know if that's enough. Yep. Look.\n\nI did do research initially, but it's just it's a lot of information to sort of get your head around. Yeah. Yep. That was Contacts. Yep.\n\nOkay. Cool. Okay. Cool. Yep.\n\nYeah. It does. Thank you. Yeah. I mean, we we we'll refinance, but we withdrew a little bit of money out last year.\n\nI haven't done a full refinance yet because of the way interest rates have been going. So we're with AMP currently. I didn't know whether it was worth waiting to see because I don't know if we're really gonna get a better rate at the moment with interest rates without going, but yeah. Yeah. Well, they haven't announced it going up, but I expect an email in a day.\n\nI'm sure. Let's see. Five point seven four percent. Yes. Wheat cream.\n\nYes. Yes. I'm sent. Yes. Yeah.\n\nYeah. Yeah. Yeah. Fine. Yeah.\n\nAfter four or five is better. Yeah. Wednesday to Thursday. Yep. Mhmm.\n\nPerfect. And I just want to follow-up with the budget, like, the thing that I feel well, I don't remember if I've got it whenever I can do a new one, but just the budget stuff. Yep. Yep. Well, should they resend it to me for me to send back or something?\n\nYes. Yeah. Perfect. No worries. And I don't know if you can pass this along, but I did get told at some point that if I refer someone to maybe there was, like, some sort of referrals being there.\n\nSo I don't know if that if James does sign up, if there's any sort of referral program or something that you do. Actually, they did say, like, you get a bath or something, but I just want to ask the questions. Yeah. I I cut it off. Awesome.\n\nPerfect. Alright. Cool. Thank you so much. What was your name, sir?\n\nVeronica. Perfect. Thank you for your help. I will. Thank you.\n\nThank you for your time. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.48,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.05292496085166931},{"text":"This is Hello?","start":0.71999997,"end":3.22,"sentiment":"neutral","sentiment_score":0.056444745510816574},{"text":"Leah?","start":6.16,"end":6.64,"sentiment":"neutral","sentiment_score":0.04292318597435951},{"text":"Yes?","start":6.64,"end":7.14,"sentiment":"neutral","sentiment_score":0.07539156079292297},{"text":"Good.","start":11.36,"end":11.599999,"sentiment":"positive","sentiment_score":0.5392817854881287}],"sentiment":"neutral","sentiment_score":0.12569367566279002,"num_words":7,"start":0.48,"end":11.599999},{"sentences":[{"text":"Thank 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work.","start":54.235,"end":55.41,"sentiment":"neutral","sentiment_score":-0.04400323377922177},{"text":"Okay.","start":59.25,"end":59.75,"sentiment":"neutral","sentiment_score":0.02334853447973728},{"text":"I I was.","start":72.495,"end":73.475,"sentiment":"neutral","sentiment_score":-0.004629020889600118},{"text":"I thought I was looking at Kyle.","start":73.535,"end":75.155,"sentiment":"neutral","sentiment_score":-0.024845677028809274}],"sentiment":"neutral","sentiment_score":-0.02368628920521587,"num_words":16,"start":53.914997,"end":75.155},{"sentences":[{"text":"No.","start":88.51,"end":88.75,"sentiment":"neutral","sentiment_score":-0.11496197432279588},{"text":"I just that's what I got told that I was booking with Kyle.","start":88.75,"end":91.25,"sentiment":"neutral","sentiment_score":-0.10600040623774895},{"text":"Because I even spoke to Maddie yesterday, and she said, oh, you're booking with Kyle tomorrow.","start":91.31,"end":94.725,"sentiment":"neutral","sentiment_score":-0.021357528516091406},{"text":"So I was like, okay.","start":102.244995,"end":105.881,"sentiment":"neutral","sentiment_score":0.022347162663936614},{"text":"If you're, like, qualified to answer the question, that's fine.","start":106.165,"end":109.39,"sentiment":"neutral","sentiment_score":0.07330800518393517}],"sentiment":"neutral","sentiment_score":-0.021997152144710222,"num_words":45,"start":88.51,"end":109.39},{"sentences":[{"text":"Because the last person I spoke to said kept saying she's not qualified to answer anything.","start":109.39,"end":113.869995,"sentiment":"negative","sentiment_score":-0.6075967904180288},{"text":"So I wasn't able to really yeah.","start":113.869995,"end":117.07,"sentiment":"neutral","sentiment_score":-0.31881092116236687},{"text":"Okay.","start":117.07,"end":117.13,"sentiment":"neutral","sentiment_score":0.021261658519506454},{"text":"Yeah.","start":117.13,"end":117.19,"sentiment":"neutral","sentiment_score":0.062224943190813065},{"text":"That's fine then.","start":117.19,"end":117.81,"sentiment":"neutral","sentiment_score":0.17725666364034018}],"sentiment":"negative","sentiment_score":-0.4049274465069175,"num_words":28,"start":109.39,"end":117.81},{"sentences":[{"text":"Okay.","start":122.59,"end":123.09,"sentiment":"neutral","sentiment_score":0.1373966932296753},{"text":"Sure.","start":155.965,"end":156.465,"sentiment":"neutral","sentiment_score":0.055336181074380875},{"text":"Hopefully, they took notes because it was, like, over three weeks ago when I spoke to her, so I can't remember.","start":163.05,"end":167.31001,"sentiment":"neutral","sentiment_score":-0.013357749297505333},{"text":"I'm trying to I don't remember anything about incentives.","start":175.53,"end":184.74501,"sentiment":"neutral","sentiment_score":-0.02874613180756569},{"text":"I was asking questions about my super to see if it was performing, like, like, as expected.","start":184.74501,"end":191.23,"sentiment":"neutral","sentiment_score":-0.022595010040437475}],"sentiment":"neutral","sentiment_score":-0.01491041261018539,"num_words":49,"start":122.59,"end":191.23},{"sentences":[{"text":"I don't have quest I don't recall giving me anything to do with insurance.","start":193.13,"end":197.15001,"sentiment":"neutral","sentiment_score":-0.18592770929847444},{"text":"I was asked her advice how to utilize all my because I had sent through a copy of, like, I filled in a budget thing at some, like, spreadsheet, and then no one ever got back to me.","start":198.89,"end":209.835,"sentiment":"neutral","sentiment_score":-0.10216561067653329},{"text":"So I was asking about that better ways, I guess, manage our 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OptiInform, and OSA.","start":260.20502,"end":263.665,"sentiment":"neutral","sentiment_score":0.08029281182421578},{"text":"Is it super insurance summary?","start":288.235,"end":289.91498,"sentiment":"neutral","sentiment_score":0.03607279136776924}],"sentiment":"neutral","sentiment_score":-0.03790481272153556,"num_words":36,"start":237.825,"end":289.91498},{"sentences":[{"text":"That would be it.","start":289.91498,"end":290.715,"sentiment":"neutral","sentiment_score":0.027728961780667305},{"text":"I assume.","start":290.715,"end":291.375,"sentiment":"neutral","sentiment_score":0.049175577238202095},{"text":"Yep.","start":301.03497,"end":301.38,"sentiment":"neutral","sentiment_score":0.04460832476615906},{"text":"I bought it.","start":303.06,"end":303.7,"sentiment":"neutral","sentiment_score":-0.10774650424718857},{"text":"I couldn't Yep.","start":303.7,"end":311.72,"sentiment":"neutral","sentiment_score":-0.15170377989610037}],"sentiment":"neutral","sentiment_score":-0.0403442712357411,"num_words":13,"start":289.91498,"end":311.72},{"sentences":[{"text":"Yeah.","start":316.965,"end":317.465,"sentiment":"neutral","sentiment_score":0.08799459040164948},{"text":"Yeah.","start":323.125,"end":323.365,"sentiment":"neutral","sentiment_score":0.1294393539428711},{"text":"I do.","start":323.365,"end":323.925,"sentiment":"neutral","sentiment_score":0.1500004678964615},{"text":"Yeah.","start":323.925,"end":324.425,"sentiment":"neutral","sentiment_score":0.15288835763931274},{"text":"Yep.","start":338.47,"end":338.97,"sentiment":"neutral","sentiment_score":0.0914761647582054}],"sentiment":"neutral","sentiment_score":0.1269665670891603,"num_words":6,"start":316.965,"end":338.97},{"sentences":[{"text":"Yes.","start":352.26498,"end":352.53,"sentiment":"neutral","sentiment_score":0.24407970905303955},{"text":"I think 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sort of went near the phone.","start":417.38,"end":419.36502,"sentiment":"neutral","sentiment_score":-0.11420150101184845}],"sentiment":"neutral","sentiment_score":-0.07565132450933258,"num_words":12,"start":402.255,"end":419.36502},{"sentences":[{"text":"Are you there?","start":419.42502,"end":420.165,"sentiment":"neutral","sentiment_score":-0.04533182457089424},{"text":"Yeah.","start":423.105,"end":423.605,"sentiment":"neutral","sentiment_score":0.03539638966321945},{"text":"So is that how much I pay, what, per year for those insurances?","start":474.405,"end":478.985,"sentiment":"neutral","sentiment_score":0.07495350290376407},{"text":"And is that comparable?","start":481.76498,"end":483.54498,"sentiment":"neutral","sentiment_score":0.06361700873821974},{"text":"Like, is that a competitive rate?","start":483.76498,"end":485.44498,"sentiment":"neutral","sentiment_score":0.07936490575472514}],"sentiment":"neutral","sentiment_score":0.05942421937706294,"num_words":27,"start":419.42502,"end":485.44498},{"sentences":[{"text":"Because that's like a big chunk coming out of my super.","start":485.44498,"end":487.77,"sentiment":"neutral","sentiment_score":0.11840283328836615},{"text":"Right.","start":518.2,"end":518.6,"sentiment":"neutral","sentiment_score":0.041029542684555054},{"text":"I remember he's explained this.","start":518.6,"end":520.44,"sentiment":"neutral","sentiment_score":0.04138830788433552},{"text":"He said it was better to keep this policy because there's a little bit there's extra stuff here.","start":520.44,"end":524.83997,"sentiment":"neutral","sentiment_score":0.04072589986026287},{"text":"Is that right?","start":524.83997,"end":525.74,"sentiment":"neutral","sentiment_score":0.042028434574604034}],"sentiment":"neutral","sentiment_score":0.06340930919702116,"num_words":38,"start":485.44498,"end":525.74},{"sentences":[{"text":"Right.","start":542.175,"end":542.575,"sentiment":"neutral","sentiment_score":0.033951085060834885},{"text":"Okay.","start":542.575,"end":543.075,"sentiment":"neutral","sentiment_score":0.04034322500228882},{"text":"Okay.","start":558.59503,"end":559.09503,"sentiment":"neutral","sentiment_score":0.04720684140920639},{"text":"Yes.","start":569.53,"end":570.03,"sentiment":"neutral","sentiment_score":0.05568492412567139},{"text":"Yes.","start":571.77,"end":572.27,"sentiment":"positive","sentiment_score":0.37478262186050415}],"sentiment":"neutral","sentiment_score":0.11039373949170113,"num_words":5,"start":542.175,"end":572.27},{"sentences":[{"text":"Yes.","start":577.37,"end":577.87,"sentiment":"positive","sentiment_score":0.36712709069252014},{"text":"Okay.","start":587.85504,"end":588.255,"sentiment":"neutral","sentiment_score":0.24317240715026855},{"text":"Cool.","start":588.255,"end":588.755,"sentiment":"neutral","sentiment_score":0.24693331122398376},{"text":"Yeah.","start":601.82,"end":602.32,"sentiment":"neutral","sentiment_score":0.012289704754948616},{"text":"So I've got gas single, first thing, fast wheels, parts, triple insurance, I mean, one plus COC, and have 24 IRR.","start":624.615,"end":634.27997,"sentiment":"neutral","sentiment_score":0.07190354221633502}],"sentiment":"neutral","sentiment_score":0.09517987601459027,"num_words":25,"start":577.37,"end":634.27997},{"sentences":[{"text":"Ah, okay.","start":640.82,"end":641.48,"sentiment":"neutral","sentiment_score":0.1790536493062973},{"text":"24.","start":669.77,"end":670.75,"sentiment":"neutral","sentiment_score":0.03521142154932022},{"text":"Yeah.","start":671.71497,"end":672.21497,"sentiment":"neutral","sentiment_score":0.07486267387866974},{"text":"Yeah.","start":693.14,"end":693.64,"sentiment":"neutral","sentiment_score":-0.11366455256938934},{"text":"Yep.","start":701.695,"end":702.195,"sentiment":"neutral","sentiment_score":-0.006518888287246227}],"sentiment":"neutral","sentiment_score":0.0579996588639915,"num_words":6,"start":640.82,"end":702.195},{"sentences":[{"text":"Yeah.","start":731.615,"end":732.115,"sentiment":"neutral","sentiment_score":-0.03881286457180977},{"text":"Mhmm.","start":754.15,"end":754.485,"sentiment":"neutral","sentiment_score":0.1139572262763977},{"text":"Mhmm.","start":778.68,"end":779.18,"sentiment":"positive","sentiment_score":0.4935340285301209},{"text":"What is sorry.","start":788.605,"end":792.545,"sentiment":"neutral","sentiment_score":0.11509837706883748},{"text":"I was wondering which of the investments sort of performed the best.","start":792.605,"end":796.225,"sentiment":"neutral","sentiment_score":0.0402088879297177}],"sentiment":"neutral","sentiment_score":0.07758223203321298,"num_words":18,"start":731.615,"end":796.225},{"sentences":[{"text":"Like, looking at the first page there, What was the highest return one?","start":796.285,"end":801.43,"sentiment":"neutral","sentiment_score":0.04835240657512958},{"text":"I n t o s.","start":815.755,"end":816.97504,"sentiment":"neutral","sentiment_score":0.013953256607055663},{"text":"Yes.","start":817.03503,"end":817.53503,"sentiment":"neutral","sentiment_score":0.06835959851741791},{"text":"Okay.","start":853.755,"end":854.255,"sentiment":"neutral","sentiment_score":0.04551226645708084},{"text":"And that's the are the twelve months?","start":854.78,"end":856.56,"sentiment":"neutral","sentiment_score":0.025423171264784678}],"sentiment":"neutral","sentiment_score":0.03667339379036868,"num_words":27,"start":796.285,"end":856.56},{"sentences":[{"text":"Gold.","start":871.585,"end":871.825,"sentiment":"neutral","sentiment_score":0.03437291830778122},{"text":"Yeah.","start":871.825,"end":872.325,"sentiment":"neutral","sentiment_score":0.03811188042163849},{"text":"So when that does that mean buying actual, like, gold?","start":877.425,"end":881.045,"sentiment":"neutral","sentiment_score":0.02220279388129711},{"text":"Okay.","start":888.88,"end":889.38,"sentiment":"neutral","sentiment_score":0.10230329632759094},{"text":"Yeah.","start":891.28,"end":891.78,"sentiment":"neutral","sentiment_score":0.14305520057678223}],"sentiment":"neutral","sentiment_score":0.03856223103191171,"num_words":14,"start":871.585,"end":891.78},{"sentences":[{"text":"I'm just wondering if I can, like, buy shares myself, like or just earn a super.","start":894.48,"end":899.905,"sentiment":"neutral","sentiment_score":0.2107264194637537},{"text":"Mhmm.","start":915.81,"end":916.31,"sentiment":"neutral","sentiment_score":0.1881222426891327},{"text":"So is my has it grown like, isn't I super where it should be for my 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I have two follow-up questions.","start":1143.8,"end":1145.58,"sentiment":"neutral","sentiment_score":0.05220481939613819},{"text":"Yeah.","start":1145.975,"end":1146.135,"sentiment":"neutral","sentiment_score":0.12168879806995392},{"text":"It does.","start":1146.135,"end":1146.615,"sentiment":"neutral","sentiment_score":0.2250063195824623},{"text":"Yes.","start":1146.615,"end":1147.015,"sentiment":"neutral","sentiment_score":0.17671610414981842}],"sentiment":"neutral","sentiment_score":0.12711487541144545,"num_words":11,"start":1139.88,"end":1147.015},{"sentences":[{"text":"Yes.","start":1147.015,"end":1147.515,"sentiment":"neutral","sentiment_score":0.13751453161239624},{"text":"Sorry.","start":1147.895,"end":1148.395,"sentiment":"neutral","sentiment_score":0.0682513415813446},{"text":"One question is is is Hub 24 still where I should stay?","start":1149.495,"end":1154.615,"sentiment":"neutral","sentiment_score":0.03316465951502323},{"text":"Because I don't care about whatever company is going to, like, just wherever it's gonna get me the best returns.","start":1154.615,"end":1159.77,"sentiment":"neutral","sentiment_score":0.11849567722529172},{"text":"And the second question is, should I be contributing?","start":1160.0701,"end":1163.85,"sentiment":"neutral","sentiment_score":0.06200157809588644}],"sentiment":"neutral","sentiment_score":0.08213184964518215,"num_words":43,"start":1147.015,"end":1163.85},{"sentences":[{"text":"And if it's a personal decision, is there advice around ways to, you know, put contributions in that's gonna sort of maximize, like, you know, sort of things in terms of my wages day to day.","start":1164.23,"end":1175.045,"sentiment":"neutral","sentiment_score":0.09973535500466824},{"text":"Yep.","start":1187.585,"end":1187.85,"sentiment":"neutral","sentiment_score":0.21497058868408203},{"text":"Yes.","start":1191.37,"end":1191.87,"sentiment":"neutral","sentiment_score":0.1601419597864151},{"text":"Mhmm.","start":1195.9299,"end":1196.4299,"sentiment":"neutral","sentiment_score":0.13128626346588135},{"text":"Yes.","start":1208.865,"end":1209.365,"sentiment":"neutral","sentiment_score":0.20731748640537265}],"sentiment":"neutral","sentiment_score":0.10760472696274519,"num_words":40,"start":1164.23,"end":1209.365},{"sentences":[{"text":"Okay.","start":1210.7849,"end":1211.2849,"sentiment":"neutral","sentiment_score":0.11759552359580994},{"text":"Yeah.","start":1224.87,"end":1225.19,"sentiment":"neutral","sentiment_score":0.23120082914829257},{"text":"Okay.","start":1225.19,"end":1225.69,"sentiment":"positive","sentiment_score":0.33833831548690796},{"text":"Yes.","start":1228.7899,"end":1229.2899,"sentiment":"neutral","sentiment_score":0.20510146021842957},{"text":"Okay.","start":1244.2849,"end":1244.6849,"sentiment":"neutral","sentiment_score":0.21408291161060333}],"sentiment":"neutral","sentiment_score":0.22126380801200868,"num_words":5,"start":1210.7849,"end":1244.6849},{"sentences":[{"text":"I'm fine.","start":1244.6849,"end":1245.245,"sentiment":"positive","sentiment_score":0.35824669897556305},{"text":"I'm happy with that.","start":1245.245,"end":1246.3049,"sentiment":"positive","sentiment_score":0.6027135029435158},{"text":"Yes.","start":1258.87,"end":1259.37,"sentiment":"neutral","sentiment_score":0.043548308312892914},{"text":"Hold on.","start":1260.345,"end":1261.085,"sentiment":"neutral","sentiment_score":0.04969261772930622},{"text":"Mhmm.","start":1273.625,"end":1274.125,"sentiment":"neutral","sentiment_score":0.09530683606863022}],"sentiment":"positive","sentiment_score":0.33655877895653247,"num_words":10,"start":1244.6849,"end":1274.125},{"sentences":[{"text":"Don't worry, ma'am.","start":1280.9601,"end":1281.6,"sentiment":"neutral","sentiment_score":0.10642822583516438},{"text":"But it doesn't typically get saved, but, yes, we've got a $5,250.","start":1281.6,"end":1285.54,"sentiment":"neutral","sentiment_score":0.09720391531785329},{"text":"So I can yeah.","start":1332.365,"end":1334.4651,"sentiment":"neutral","sentiment_score":0.008828301914036274},{"text":"I was gonna say I can stop contributing anytime though I want to.","start":1336.49,"end":1340.33,"sentiment":"neutral","sentiment_score":-0.20386244700505182},{"text":"I know I can't get the money back.","start":1340.33,"end":1341.69,"sentiment":"neutral","sentiment_score":-0.1475430866703391}],"sentiment":"neutral","sentiment_score":-0.05773779088631272,"num_words":40,"start":1280.9601,"end":1341.69},{"sentences":[{"text":"That's fine.","start":1341.69,"end":1342.4299,"sentiment":"neutral","sentiment_score":0.02694041933864355},{"text":"I've contributed before, but I can stop contributing if I want to.","start":1342.49,"end":1346.59,"sentiment":"neutral","sentiment_score":-0.0032409727573394775},{"text":"Yes.","start":1351.265,"end":1351.765,"sentiment":"neutral","sentiment_score":0.223306342959404},{"text":"Yeah.","start":1366.2,"end":1366.5199,"sentiment":"neutral","sentiment_score":0.06273835152387619},{"text":"They well, it was, like, years ago, and I didn't put much in.","start":1366.5199,"end":1369.88,"sentiment":"neutral","sentiment_score":0.018481170042203024}],"sentiment":"neutral","sentiment_score":0.01866514036624596,"num_words":29,"start":1341.69,"end":1369.88},{"sentences":[{"text":"Like, it was, like, I don't know, $20 a week or something.","start":1369.88,"end":1373.0199,"sentiment":"neutral","sentiment_score":-0.0023216763511300087},{"text":"They would just take it out pretax, and then I think my taxes then worked out 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it?","start":1495.635,"end":1496.455,"sentiment":"neutral","sentiment_score":0.05380610376596451},{"text":"Yes.","start":1497.715,"end":1498.215,"sentiment":"neutral","sentiment_score":0.1881061494350433},{"text":"Okay.","start":1511.8799,"end":1512.3799,"sentiment":"neutral","sentiment_score":0.2379044145345688},{"text":"Because I just looked up on the house pay calculator, and if I do $50 a fortnight, then I'm only losing $18 a week or something.","start":1524.875,"end":1534.27,"sentiment":"neutral","sentiment_score":-0.03909823860829839}],"sentiment":"neutral","sentiment_score":-0.010052726039606514,"num_words":33,"start":1494.515,"end":1534.27},{"sentences":[{"text":"So, like, it doesn't really put my pay down very 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salary.","start":1609.295,"end":1612.755,"sentiment":"neutral","sentiment_score":-0.05260077305138111},{"text":"Okay.","start":1615.135,"end":1615.635,"sentiment":"neutral","sentiment_score":0.0018540527671575544},{"text":"Yes.","start":1623.52,"end":1624.02,"sentiment":"neutral","sentiment_score":0.04392658546566963},{"text":"Yes.","start":1634.0801,"end":1634.5801,"sentiment":"neutral","sentiment_score":-0.14995399117469788},{"text":"Okay.","start":1673.025,"end":1673.4249,"sentiment":"neutral","sentiment_score":0.03602338582277298}],"sentiment":"neutral","sentiment_score":-0.03481913241557777,"num_words":8,"start":1609.295,"end":1673.4249},{"sentences":[{"text":"That's fine.","start":1673.4249,"end":1673.985,"sentiment":"neutral","sentiment_score":0.14413443207740784},{"text":"I know it might work.","start":1673.985,"end":1674.865,"sentiment":"neutral","sentiment_score":0.14184041321277618},{"text":"Right?","start":1674.865,"end":1675.1849,"sentiment":"neutral","sentiment_score":0.0885423794388771},{"text":"But that is fine.","start":1675.1849,"end":1677.2,"sentiment":"neutral","sentiment_score":0.15042364411056042},{"text":"I'll have a think about that.","start":1677.2,"end":1678.6599,"sentiment":"neutral","sentiment_score":0.16620593269666037}],"sentiment":"neutral","sentiment_score":0.14916352679332098,"num_words":18,"start":1673.4249,"end":1678.6599},{"sentences":[{"text":"Okay.","start":1679.6799,"end":1680.08,"sentiment":"positive","sentiment_score":0.33876070380210876},{"text":"So I think I'm pretty happy with my super.","start":1680.08,"end":1683.3799,"sentiment":"positive","sentiment_score":0.6692758169439104},{"text":"Where do I find, like, what fees I'm paying for the financial advice adviser for 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stuff.","start":2480.415,"end":2491.53,"sentiment":"neutral","sentiment_score":0.11231597608753613},{"text":"Yep.","start":2508.0752,"end":2508.5752,"sentiment":"positive","sentiment_score":0.402452290058136},{"text":"Yep.","start":2510.5552,"end":2511.0552,"sentiment":"neutral","sentiment_score":0.12643596529960632},{"text":"Well, should they resend it to me for me to send back or something?","start":2513.28,"end":2516.4202,"sentiment":"neutral","sentiment_score":0.06609841422843081}],"sentiment":"neutral","sentiment_score":0.11135423230007291,"num_words":52,"start":2479.9348,"end":2516.4202},{"sentences":[{"text":"Yes.","start":2540.335,"end":2540.835,"sentiment":"neutral","sentiment_score":0.06363365054130554},{"text":"Yeah.","start":2540.895,"end":2541.36,"sentiment":"neutral","sentiment_score":0.057231370359659195},{"text":"Perfect.","start":2543.6802,"end":2544.08,"sentiment":"positive","sentiment_score":0.35655462741851807},{"text":"No worries.","start":2544.08,"end":2544.6401,"sentiment":"neutral","sentiment_score":0.19948289543390274},{"text":"And I don't know if you can pass this along, but I did get told at some point that if I refer someone to maybe there was, like, some sort of referrals being there.","start":2544.6401,"end":2555.745,"sentiment":"neutral","sentiment_score":0.0033833480385296487}],"sentiment":"neutral","sentiment_score":0.025421006987110164,"num_words":39,"start":2540.335,"end":2555.745},{"sentences":[{"text":"So I don't know if that if James does sign up, if there's any sort of referral program or something that you do.","start":2555.8252,"end":2562.965,"sentiment":"neutral","sentiment_score":0.0391654340631288},{"text":"Actually, they did say, like, you get a bath or something, but I just want to ask the questions.","start":2563.665,"end":2568.0852,"sentiment":"neutral","sentiment_score":0.0006210722617412868},{"text":"Yeah.","start":2568.5452,"end":2569.0452,"sentiment":"neutral","sentiment_score":0.02976152300834656},{"text":"I I cut it off.","start":2569.38,"end":2574.3599,"sentiment":"neutral","sentiment_score":-0.06300101056694984},{"text":"Awesome.","start":2602.6099,"end":2603.1099,"sentiment":"positive","sentiment_score":0.487742692232132}],"sentiment":"neutral","sentiment_score":0.022757235078179106,"num_words":49,"start":2555.8252,"end":2603.1099},{"sentences":[{"text":"Perfect.","start":2604.45,"end":2604.95,"sentiment":"neutral","sentiment_score":0.306673526763916},{"text":"Alright.","start":2605.25,"end":2605.5698,"sentiment":"neutral","sentiment_score":0.29833775758743286},{"text":"Cool.","start":2605.5698,"end":2605.8098,"sentiment":"positive","sentiment_score":0.4582787752151489},{"text":"Thank you so much.","start":2605.8098,"end":2606.45,"sentiment":"positive","sentiment_score":0.6755100041627884},{"text":"What was your name, sir?","start":2606.45,"end":2607.75,"sentiment":"neutral","sentiment_score":0.13389035910367966}],"sentiment":"positive","sentiment_score":0.36956515597800416,"num_words":12,"start":2604.45,"end":2607.75},{"sentences":[{"text":"Veronica.","start":2609.515,"end":2609.995,"sentiment":"neutral","sentiment_score":0.12009994685649872},{"text":"Perfect.","start":2609.995,"end":2610.315,"sentiment":"positive","sentiment_score":0.6003084182739258},{"text":"Thank you for your help.","start":2610.315,"end":2611.455,"sentiment":"positive","sentiment_score":0.7449996709823609},{"text":"I will.","start":2619.7551,"end":2620.315,"sentiment":"neutral","sentiment_score":0.1483219414949417},{"text":"Thank you.","start":2620.315,"end":2620.795,"sentiment":"positive","sentiment_score":0.5192738175392151}],"sentiment":"positive","sentiment_score":0.5255089307373221,"num_words":11,"start":2609.515,"end":2620.795},{"sentences":[{"text":"Thank you for your time.","start":2620.795,"end":2621.855,"sentiment":"positive","sentiment_score":0.5686022996902466},{"text":"Thank you.","start":2624.093,"end":2624.813,"sentiment":"positive","sentiment_score":0.485286146402359},{"text":"Bye.","start":2624.813,"end":2625.313,"sentiment":"neutral","sentiment_score":0.3207438588142395}],"sentiment":"positive","sentiment_score":0.5167909562587738,"num_words":8,"start":2620.795,"end":2625.313}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. This is Hello?\n\nChannel 0: Good afternoon. Is this Leah?\n\nChannel 1: Leah? Yes?\n\nChannel 0: Yeah. This is Veronica from Oakview Financial. How are you this afternoon?\n\nChannel 1: Good. Thank you.\n\nChannel 0: That's good. I had you booked in for a little bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and then address for me, please?\n\nChannel 1: 38 O'Leary Way, Miami Way, Victoria.\n\nChannel 0: Yep. Perfect. And just your date of birth as well, please?\n\nChannel 1: 07/1989.\n\nChannel 0: Yep. Perfect. Thank you so much for that. And how's your day been so far? I've been busy?\n\nChannel 1: Yeah. Just busy with\n\nChannel 0: Yeah.\n\nChannel 1: work.\n\nChannel 0: Okay. Well, I will try my best not to keep you for too long.\n\nChannel 1: Okay.\n\nChannel 0: Essentially, I did have you booked in for a bit of a catch up as I believe you had your annual review with my colleague, Michelle, a couple of weeks ago, and you had a couple of questions that you wanted to go through in a bit more detail. Is that right?\n\nChannel 1: I I was. I thought I was looking at Kyle.\n\nChannel 0: He I had him booked in with me, but if your preference is through speak to Carl, then I can definitely see if he is available. Have you spoken to him before?\n\nChannel 1: No. I just that's what I got told that I was booking with Kyle. Because I even spoke to Maddie yesterday, and she said, oh, you're booking with Kyle tomorrow.\n\nChannel 0: Okay. Yeah. No. Maybe there was a bit of a a mix up there, but I had you booked in\n\nChannel 1: So\n\nChannel 0: with myself\n\nChannel 1: I\n\nChannel 0: if you're happy\n\nChannel 1: was\n\nChannel 0: to still\n\nChannel 1: like,\n\nChannel 0: do that.\n\nChannel 1: okay. If you're, like, qualified to answer the question, that's fine. Because the last person I spoke to said kept saying she's not qualified to answer anything. So\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: wasn't\n\nChannel 0: am one\n\nChannel 1: able\n\nChannel 0: of the\n\nChannel 1: to really\n\nChannel 0: advisers here.\n\nChannel 1: yeah. Okay. Yeah. That's fine then.\n\nChannel 0: Yeah. Yeah. Okay. Perfect. And, yeah, sorry about the mix up there there for you.\n\nLike\n\nChannel 1: Okay.\n\nChannel 0: I said, if you do if you do prefer to speak to him, that is perfectly fine. I can always get you booked in with him as well. He's also one of our advisers here, but but so am I. So, yeah, it's up up to you. Yes.\n\nYes. I am. Yeah. Sorry. Yeah.\n\nI know you did the interview with Michelle, and she is, yeah, one of the admin staff here. And, yeah, there's probably there was a few things in regards to advice. She may not have been able to assist you, but, yeah, hopefully, I can address all those questions for you today.\n\nChannel 1: Sure.\n\nChannel 0: Was there anything specific that you had that you wanted to go over?\n\nChannel 1: Hopefully, they took notes because it was, like, over three weeks ago when I spoke to her, so I can't remember.\n\nChannel 0: Let me see here. I I just have here that you wanted to talk about insurances,\n\nChannel 1: I'm trying to\n\nChannel 0: just in general, and maybe you wanted a mortgage review with the broker. Does that ring a bell?\n\nChannel 1: I don't remember anything about incentives. I was asking questions about my super to see\n\nChannel 0: Okay.\n\nChannel 1: if it was performing, like, like, as expected.\n\nChannel 0: Yep.\n\nChannel 1: I don't have quest I don't recall giving me anything to do with insurance.\n\nChannel 0: Okay.\n\nChannel 1: I was asked her advice how to utilize all my because I had sent through a copy of, like, I filled in a budget thing at some,\n\nChannel 0: Yes.\n\nChannel 1: like, spreadsheet, and then no one ever got back to me.\n\nChannel 0: Okay. Yep.\n\nChannel 1: So I was asking\n\nChannel 0: Yep.\n\nChannel 1: about that better ways, I guess, manage our money. But I wanted I did have questions around my super to\n\nChannel 0: K.\n\nChannel 1: see if it was\n\nChannel 0: Yep.\n\nChannel 1: performing as it should be.\n\nChannel 0: Yeah. And did you get the the email with all the attachments for your portfolio? Did you guys go through all that during the under review? Do you remember?\n\nChannel 1: No. No. She didn't\n\nChannel 0: Yep.\n\nChannel 1: go through any luck.\n\nChannel 0: Alright. Okay. Now let me see. Do you still have access through those documents at all? Or if not, I'll get it resent after the call today because it'll make it easier for you, obviously, if you can see those attachments as well and make sure you're happy with with all of that.\n\nChannel 1: I have a signature request, and I don't know what they're asking me to sign. It's got annual review pad, PSN, OptiInform, and OSA.\n\nChannel 0: Yeah. So the annual review pack part of that one, there will be a couple of attachments. So if you can have a look at those attachments there, that will be something that I can I'm happy to go through with you today, especially if that wasn't really gone through last time. So definitely pass on that feedback if, yeah, if it wasn't really gone through in a in, you know, a lot of detail with you.\n\nChannel 1: Is it super insurance summary? That would be it. I assume.\n\nChannel 0: Yep. So that will be the the first one there for you, which is just giving you a bit of a a rundown of your super and your insurances.\n\nChannel 1: Yep.\n\nChannel 0: So let me just open\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: bought\n\nChannel 0: one up\n\nChannel 1: it. I couldn't\n\nChannel 0: for you. Yeah. Perfect. So as you can see there, when your document was prepared on the second of Feb, your super\n\nChannel 1: Yep.\n\nChannel 0: balance in Hub 24 was around 109,681. Is that something\n\nChannel 1: Yeah.\n\nChannel 0: you kind of keep an eye on a bit? Are you in, you know, Hub 24? I'd have and you have the app on your phone as well?\n\nChannel 1: Yeah. I do. Yeah.\n\nChannel 0: Yep. Yep. Perfect. And then you have your insurances with OnePath as well. So you have your life insurance.\n\nAs you can see there, so that is just 1,516,854. And\n\nChannel 1: Yep.\n\nChannel 0: then you have your total permanent disability insurance. That is if you're totally and permanently disabled and unable to go back to work, that is 826,685.\n\nChannel 1: Yes.\n\nChannel 0: Are you quite happy with those amounts as well there for you?\n\nChannel 1: I think so. What does death mean again?\n\nChannel 0: So that is if you were to pass away. So if something were to happen to you, yeah, that would then be left to your beneficiary, so who you're you've nominated on your account. Now let me look into\n\nChannel 1: Yes.\n\nChannel 0: your account as well just to make sure yeah. Let me just triple check. So that will be yeah. If something were to happen to you and you'd pass away, that would then be left along with your superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: And then, yeah, the the TPD is if you are, you know, if you have two doctors who sign on of the fact that you can never go back to work again, then that's that's kind of a lump sum payment paid out to cover you, obviously, because you are not able to go back to work.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. I do have here James listed at a 100%, and I have your non lapsing binding option nominated.\n\nChannel 1: Hello?\n\nChannel 0: What was that? Sorry?\n\nChannel 1: Sorry. It just sort of went near the phone. Are you there?\n\nChannel 0: No. Yep. Yeah. I can hear you. Can you hear me?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. So, yeah, we do have that in place, and then you also have your income protection. Now you have through still both with one pass, 3,292 per month and the other one of 2,383 per month, both with a ninety day waiting period. That would mean that you have to wait the ninety days until it would be paid out.\n\nAnd then you do have the benefit to the age of 70. Now you have all of that paid from within hub twenty four for you. Because of how it's structured, you do get a 15% tax rebate. And after the the rebate, it is $3,072 from your super. So you don't pay for those out of pocket\n\nChannel 1: So is that how much I pay, what, per year for\n\nChannel 0: per year.\n\nChannel 1: those\n\nChannel 0: Yes.\n\nChannel 1: insurances?\n\nChannel 0: For those three. Yes. Correct.\n\nChannel 1: And is that comparable? Like, is that a competitive rate? Because that's like a big chunk coming out of my super.\n\nChannel 0: Yeah. It is it is fairly competitive. The the only thing is that it is a little bit more expensive than some potential new ones, and that is because you have an older policy. So a lot of the legislation and ruling around the insurances, they actually changed in 2021. The policies taken out before 2021 had a lot of grandfather benefits that are really good and exclude inclusive that new policies do not have.\n\nChannel 1: Right.\n\nChannel 0: So\n\nChannel 1: I remember he's explained this. He said it was better to keep this policy because there's a little bit there's extra stuff here. Is that right?\n\nChannel 0: exact exactly. Right. So if, like, for example, if we were to take out a new policy today, it might be a tiny bit cheaper, but you're not gonna have the same inclusion. So for example, today, you can't get an age 70 benefit. The max you can get is age 65.\n\nChannel 1: Right. Okay.\n\nChannel 0: Also, some of some of the one portion that was taken out before, I think it was in 2017 for you, that one covers up to 75% of your income. You can have covered any new policies taken out after 2021 if you only have 70%. And there's\n\nChannel 1: Okay.\n\nChannel 0: a lot of other built in inclusions, so it is very comprehensive. And, typically, the reason why they phased them out was because insurances were paying them out so much, so they were kind of going backwards. So they\n\nChannel 1: Yes.\n\nChannel 0: changed a lot of their inclusion. So\n\nChannel 1: Yes.\n\nChannel 0: especially having an older policy, it is great, and it's still quite affordable for what you have. And\n\nChannel 1: Yes.\n\nChannel 0: as long as it's, you know, still growing your student, which it is, I do think that it is very affordable for what you have, especially given you do have that older policies, which for you is really good.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yep. Now, obviously, if at any point in time you wanna change it, you know, just let us know. But, obviously, if we were to take out more cover or change it, it would mean\n\nChannel 1: Yeah.\n\nChannel 0: that you would lose those older benefits. Yep. Now if you then wanna go through the which is the next attachment there for you that you can see?\n\nChannel 1: So I've got gas single, first thing, fast wheels, parts, triple insurance, I mean, one plus COC, and\n\nChannel 0: Yep.\n\nChannel 1: have 24 IRR.\n\nChannel 0: Yeah. So the one part COC, that is just your certificate of currency for your insurances. So,\n\nChannel 1: Ah, okay.\n\nChannel 0: basically, it breaks down a little bit more information about the policy there for you. It's basically what was outlined in the summary, but it just gives you a little bit more in-depth for you just so you have it. But it basically just tells you that, you know, it's paid and up to date. But, otherwise, that's what that one is. The the will information is just some general information in regards to a will if it is something that you are interested in.\n\nAnd the the IRR\n\nChannel 1: 24.\n\nChannel 0: performance, yep,\n\nChannel 1: Yeah.\n\nChannel 0: that one is the one that shows you the portfolio. So that one here, it gives you just, like, a twelve month breakdown. So from the twenty fourth of Jan through the twenty third of Jan. Now it does look a little bit messy as you can see here because\n\nChannel 1: Yeah.\n\nChannel 0: I do believe that when you spoke to my colleague, Dana, last year for under review, she kind of readjusted the risk profile for you that you were\n\nChannel 1: Yep.\n\nChannel 0: originally in your high growth portfolio, but you were willing to kind of look at increasing that to an aggressive portfolio. Obviously, given the time frame until retirement, you do have plenty of time to take advantage of trying to maximize that growth for you, and you are comfortable to take on a bit more, you know, fluctuations in the short term in order to achieve that higher return in the long term. So that's why it does look a lot little bit messier because you can see your buying and selling of the individual investment.\n\nChannel 1: Yeah.\n\nChannel 0: So it does factor in that, which is why it looks a little bit messier. But, otherwise, if you go to page two on that document, that basically shows you a little bit more easier the changes. And the the biggest one is if you look on the second column to your right where it says the internal rate of return. So that one here\n\nChannel 1: Mhmm.\n\nChannel 0: shows that your portfolio is after fees, obviously, factoring in the changes and stuff like that and all fees in your account, so adviser fees and everything like that. Your portfolio has still gone up by 7.53%, which is actually pretty good given what's also happened, you know, in the world lately and the market fluctuations and everything like that, especially with The US. So it's\n\nChannel 1: Mhmm.\n\nChannel 0: definitely doing doing pretty good. And I can see that, obviously, Dana switched you out on a couple of those investments into some better performing ones as well. So\n\nChannel 1: What\n\nChannel 0: that's\n\nChannel 1: is\n\nChannel 0: kind yeah. That's okay.\n\nChannel 1: sorry. I was wondering which of the investments sort of performed the best. Like, looking at the first page there, What\n\nChannel 0: Yep.\n\nChannel 1: was the highest return one?\n\nChannel 0: Yep. So your highest one is the 17.81. Now that is the one that has a q o zed, the beta shares Raffi Australia. You can see that one?\n\nChannel 1: I n t o s.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So that one is the one that's it basically invests in the 200 largest companies in Australia. But instead of it kind of being size, which is a lot of the investments just kind of follow an index based on the biggest companies based on size, they kind of do the research more on the fundamental measures of the company. So, like, they look at the sales and cash flow and book value instead. So it's a different way to truthing the investment that goes into it.\n\nThey're still focusing on the Australian equity component. So that one was your the biggest performer, which is at 17.81\n\nChannel 1: Okay. And that's the are the twelve months?\n\nChannel 0: percent. Yes. Actually, no. You had need a bigger one, which is a gold, which is a mortgage alternative investment, but that one actually went up at 52.4%, which is crazy. We've obviously seen a lot of things with with gold.\n\nSo\n\nChannel 1: Gold. Yeah.\n\nChannel 0: yeah. So that's actually at 5252.4%.\n\nChannel 1: So when that does that mean buying actual, like, gold?\n\nChannel 0: It's more kind of a an option. So, obviously, instead of having physical gold, it's just via the air stock exchange. So you obviously\n\nChannel 1: Okay.\n\nChannel 0: don't have to, like, store the gold, but but,\n\nChannel 1: Yeah.\n\nChannel 0: yes, if you ETF, invest\n\nChannel 1: I'm just wondering if I can, like, buy\n\nChannel 0: in\n\nChannel 1: shares myself, like or\n\nChannel 0: gold.\n\nChannel 1: just earn a super.\n\nChannel 0: No. You can definitely so the good thing with obviously, there's lots of different ways that you can buy shares yourself. So Hub twenty four, they do have a personal investment account that you can do through Hub twenty four. There's a lot of different platforms that do it.\n\nChannel 1: Mhmm.\n\nChannel 0: You can obviously do your kind of trading accounts yourself as well. So some people use, like, Consec. Like, there's a lot of, you know, your your cheaper platforms if you just wanna do some investing yourself. And then, obviously, depending on what the investments are available on each platform, most of them tend to have basically everything that you can see in your Hub twenty four super account at the moment because that's obviously all listed there for you. You can access all of them on most platforms.\n\nAnd then other platforms, you can invest in other things as well that you can't do in superannuation. So if there are specific, you know, crypto investments or or other things that you are really interested in, you can get access to that on other platforms that may not be available in hub twenty four. But, basically, everything that you can see in your portfolio, most other platforms, if you wanna do personal investments, you can definitely access yourself. But then you can also invest in your direct shares and stuff like that as well if it's, you know, obviously something that you are interested in. But we mainly have you in your ETF because they're kind of your your low cost options.\n\nThey're a little bit cheaper, but very diversified for you\n\nChannel 1: So is my has it grown like, isn't I super where it should be for my age?\n\nChannel 0: as well. It is a it is a very good question, and it is very hard to answer because it depends\n\nChannel 1: Mhmm.\n\nChannel 0: it depends what your goals are by the time you retire. So, typically, it's like, okay. Well, by the time you retire, how much do you want to achieve? Also, what's your income at the moment and where things are at? But if you want a bit more of a just a general based on your current age, this is where most people tend to sit.\n\nI can get that information for you if you just bear with me for a second.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Because, yeah, there's a lot that goes into it, but sometimes people just want, like, okay. Well, you know, the the average person in my age, what would that typically look like? And Aetna does publish all of that as well of, you know, using all the statistics in Sorry. Let me see if I can find that for you.\n\nChannel 1: Okay. Okay.\n\nChannel 0: So, again, this\n\nChannel 1: Mhmm.\n\nChannel 0: is obviously just like a generalized information, what they say. But, basically, for, I guess, kind of, like, a key benchmark, if you round the 35 to 39 h, for women, it tend to sit at around 71 to 87,000. So you are obviously above that, which is great. Again, obviously, it depends on, you know, how much between now and you retire, what's your contributions like, what's your income, what your insurances, and stuff like that. But if you're looking at an an average of, okay, well, where are most, you know, 37 year olds and, you know, between that 35 and 39, where do they typically sit?\n\nIt's around. For for women, it's 71 to 87, and for men, it's about 90 to a 130.\n\nChannel 1: Okay.\n\nChannel 0: So you're definitely kind of doing good doing good on where you're at at the moment. And the way that, obviously, we do have your portfolio construction, trying to maximize that, that, you're definitely, you know, doing the right thing to kinda get you through where your retirement goals needs to be as soon as you can as well. Because, especially, the sooner you do it, then you take advantage of all the compounding and stuff like that, which, obviously,\n\nChannel 1: Yep.\n\nChannel 0: with time, you know, changes things even more.\n\nChannel 1: So I have two\n\nChannel 0: Does\n\nChannel 1: follow-up\n\nChannel 0: that make\n\nChannel 1: questions.\n\nChannel 0: sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It does.\n\nChannel 0: Of course.\n\nChannel 1: Yes. Yes. Sorry. One question is is is Hub 24 still where I should stay? Because I don't care about whatever company is going\n\nChannel 0: Yep.\n\nChannel 1: to, like,\n\nChannel 0: Yep.\n\nChannel 1: just wherever it's gonna get me the best returns.\n\nChannel 0: Yep.\n\nChannel 1: And the second question is, should I be contributing? And if it's a personal decision, is there advice around ways to, you know, put contributions in that's gonna sort of maximize, like, you know, sort of things in terms of my wages day to day.\n\nChannel 0: Yeah. So, yeah, there's definitely a truth to it. There is absolutely nothing tying us to Hub twenty four as well. Now, typically, for for me to tell you exactly, I think that you should stay with hub twenty four because that is\n\nChannel 1: Yep.\n\nChannel 0: personalized. I'll have to go and do the research on that.\n\nChannel 1: Yes.\n\nChannel 0: But aside from that, I use hub twenty four personally for my superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: I do research on Hub twenty four and similar competitors every single day. And, basically, most of them comes out with Hub twenty four is still very competitive when it comes to the the fees and\n\nChannel 1: Yes.\n\nChannel 0: feature options. So, typically, when we are\n\nChannel 1: Okay.\n\nChannel 0: comparing similar options like Macquarie and Netwealth, the more sophisticated platforms that can allow you the same investment options that Hub twenty four, Hub twenty four tends to come out with very competitive when it comes to the fee. Fee. So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: they're they're still very good. And like I said, I use it as well, but it is something\n\nChannel 1: Yes.\n\nChannel 0: that we're always, you know, researching. Because like you said, as well, there's absolutely nothing tying us to Hub twenty four or any other super funds. If there's, like, a new option that comes out that's going to be cheaper and give you more, then we will, you know, recommend to move you if it if it's appropriate for you at the time.\n\nChannel 1: Okay. I'm fine. I'm happy\n\nChannel 0: Yep.\n\nChannel 1: with that.\n\nChannel 0: And with the making contributions into superannuation, there's two ways that typically people would do it. The first way is have you ever used a pay calculator?\n\nChannel 1: Yes. Hold on.\n\nChannel 0: Yes. Perfect. So that is usually the first way because typically people would go go with, okay. I have this amount of weight in savings that I'm willing to put in, and then we\n\nChannel 1: Mhmm.\n\nChannel 0: would then work out, okay. Well, if you you know, like, I think I have here that you save about $250 a week. Is\n\nChannel 1: Don't worry, ma'am. But it doesn't typically get saved, but, yes, we've got a $5,250.\n\nChannel 0: that right? Yeah. So let's say, like, obviously, the first thing is making sure you have excess saving in order to make contributions into superannuation. That's the first thing. Because, obviously, it will be taken from your pretax money going into superannuation, and it will be locked in until you meet a condition of the lease.\n\nThat is typically turning 60 and retiring or 65 if you're still working. So that's the downside is, obviously, it gets locked in onto so if if you need it, you can't access it. It's locked in in superannuation. But the good thing with it is that it obviously contributes to your retirement and your superannuation, so that is fantastic. And the other really good thing as well is that contributions going into superannuation is only taxed at 15%.\n\nChannel 1: So\n\nChannel 0: And, obviously\n\nChannel 1: I can yeah.\n\nChannel 0: what was that? Sorry.\n\nChannel 1: I was gonna say I can stop contributing anytime though I want to. I know I can't\n\nChannel 0: Yes.\n\nChannel 1: get the money back. That's fine.\n\nChannel 0: Yes.\n\nChannel 1: I've contributed\n\nChannel 0: Yep.\n\nChannel 1: before, but I can\n\nChannel 0: Yes.\n\nChannel 1: stop contributing if I want to.\n\nChannel 0: You can start tomorrow and stop two days' time because\n\nChannel 1: Yes.\n\nChannel 0: it's it's you your choice. It's different of the employer contributions. It is a requirement that they have to do it, but you can you can contribute in different ways. So you can do, like, a salary sacrifice contribution. So that's obviously telling your employer.\n\nIs that how you did it before?\n\nChannel 1: Yeah. They well, it was, like, years ago, and I didn't put much in. Like, it was,\n\nChannel 0: Mhmm.\n\nChannel 1: like,\n\nChannel 0: Mhmm.\n\nChannel 1: I don't know, $20 a week or something. They would just take it out pretax, and then I\n\nChannel 0: Yes.\n\nChannel 1: think my taxes then worked out afterwards.\n\nChannel 0: Yes. Exactly. So that's how most people would do it because it comes out pretty regularly. So, obviously, depending on how your employer pays pay paid, whether that is, you know, weekly or monthly or quarterly. It will then kind of be your regular contribution going into superannuation pretax.\n\nSo, obviously, you save the tax because it's before tax money instead reduces your taxable income, so that is great. The other good thing with doing it as a salary sacrifice is because you are making the regular contributions, which then takes advantage of kind of, you know, dollar cost averaging into super, sorry, that the up and down of the market. Sometimes you're making contributions. The prices might be a little bit higher, other times a little bit lower, but it kind of smooths that out for you by doing the regular contribution. The other way you can do it is if you don't wanna do it with employer and you just wanna it ad hoc yourself, you can still do that.\n\nObviously, it would be after tax money. So let's say you have a little bit of money in your bank account and you wanna put that into super, you can definitely do so. But because that is an after tax, what we can do for you that if you have space to do so, we can then help you claim a notice of intent before the end of the financial year, which you then basically change the contribution from after tax to pretax into if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: So the the biggest thing to remember is the contribution cap of pretax, which is 30,000 at the moment, and that includes your employer contribution. So you definitely\n\nChannel 1: Okay.\n\nChannel 0: have a a bit of space if you want to obviously do the pretax. That's why most people do it. Some people, as you get, you know, older in in life and stuff like that, they do it after tax anyway because they still wanna boost the super, but most younger clients would do it for the tax advantage by also boosting your superannuation.\n\nChannel 1: And if I wanted to organize that, do I just speak to my employer about doing and what's it called? Salary sacrifice? Is that\n\nChannel 0: Salary\n\nChannel 1: it?\n\nChannel 0: sacrifice. Yes. So we can\n\nChannel 1: Yes.\n\nChannel 0: either you can either just call or, obviously, let your employee know that this is how much you want to do, or I can also get the team to draft up a letter for you to say, hey. I would like to start salary sacrificing this amount, and then you can just forward that onto your employer.\n\nChannel 1: Okay.\n\nChannel 0: Either way, whatever works for you. But, yeah, that would be through your employer. If you wanna do, like, the works for you. But, yeah, that would be through your employer. If you wanna do, like, the ad hoc contributions after tax and then change it, you can just give us a call, and then we can send you the information on how to do that.\n\nChannel 1: Because I just looked up on the house pay calculator, and if I do\n\nChannel 0: Mhmm.\n\nChannel 1: $50 a fortnight, then I'm only\n\nChannel 0: Yeah.\n\nChannel 1: losing $18 a week or something. So, like,\n\nChannel 0: It's\n\nChannel 1: it doesn't really put my\n\nChannel 0: no.\n\nChannel 1: pay down very much.\n\nChannel 0: It's\n\nChannel 1: Yeah.\n\nChannel 0: pretty good, but then you look, obviously, boost that and the money's invested, which again will add to compounding. And it's something you can change whenever. So if your circumstances change and you go, oh, no. It actually makes a big difference. I need that money.\n\nTell your employer that's offered. Or if you go, you know, if you start a little bit less and you go, oh, okay. Well, I'm I'm doing pretty good with my my savings. I can still keep up. Actually,\n\nChannel 1: Yes.\n\nChannel 0: maybe I can put a little bit more in. You can just tell your employer to change it. Like, it it's not like that's like, your other employer contributions. You can change it. The only\n\nChannel 1: Yes.\n\nChannel 0: thing I would say, keep keep an eye on that 30,000. And if it is that you come across a lump sum that you wanna put in for some reason, just give me a call or call because then I can always work the numbers. And there is a way as well that if you have unused cap space from previous years that you can kind of forward some of that and use it. So if, you know, there's ever a situation where you do come across a bit of a lump sum and you go, you know what? I wanna put a bit in super, but I would like to do it, you know, before technically, if I can.\n\nJust give me a call, and I'll run through the numbers and see, you know, how much we can look at doing if, you know, that situation ever do. Alright.\n\nChannel 1: Does the salary sacrifice work for anything else or just super? I don't see\n\nChannel 0: It yeah. So it is a very\n\nChannel 1: salary.\n\nChannel 0: question. It is under each employer. Sorry. Most employers\n\nChannel 1: Okay.\n\nChannel 0: offer salary sacrifice through superannuation. That is the most common. It's not a requirement that they have to offer it, but it's\n\nChannel 1: Yes.\n\nChannel 0: very, very few employers who don't. And the only ones I've kind of come across who don't do it is if it's a really, really small business and, like, the accounting stuff is not super sophisticated, and\n\nChannel 1: Yes.\n\nChannel 0: they just don't. But, otherwise, most most employers do offer salary sacrifice. There are other employers, and they tend to be more for government jobs or sometimes nursing and and stuff like that. Jobs or sometimes nursing and and stuff like that where they offer salary sacrifice in different areas. So some employers will offer salary sacrifice for mortgages and bills and payments and stuff like that, but it kind of depends on each employer.\n\nBut it's definitely worth checking with them to see if it's not something you have done already to see if they do any salary packaging and stuff like that. Some employers do, but most only do salary sacrifice to\n\nChannel 1: Okay. That's fine.\n\nChannel 0: suit\n\nChannel 1: I know it might work. Right?\n\nChannel 0: stuff.\n\nChannel 1: But that\n\nChannel 0: Yep.\n\nChannel 1: is fine. I'll have a think about that.\n\nChannel 0: Yep.\n\nChannel 1: Okay. So I think I'm pretty happy with my super.\n\nChannel 0: Yep.\n\nChannel 1: Where do I find, like, what fees I'm paying for the financial advice\n\nChannel 0: Yes.\n\nChannel 1: adviser\n\nChannel 0: So\n\nChannel 1: for OC?\n\nChannel 0: yep. Perfect. So that will be let me see if you were sent that. So that will be part of let me see if I can get that here. That ongoing service agreement was the one that it would ask you to sign.\n\nSo the ongoing service agreement would be, you know, if you are happy to stay on board of the claim, it will then enter into an ongoing service agreement for us to service your account. Obviously, you can cancel whenever you want to if, at the end point in time, not happy with the services, but it is something you have to sign every twelve months. Otherwise, we just cannot keep charging you. It is a percentage of your super, so 1.65% of your superannuation. But let me see if I can see it on this report here.\n\nHere. If not, I can just so I don't waste your time, I can get 15 to generate that for you, a fee disclosure statement even to see how much you have paid in the last twelve months and then estimating for the next twelve months, if that will be helpful for you. I can get them to draft\n\nChannel 1: Yes.\n\nChannel 0: that and send that through to you.\n\nChannel 1: Yes. That's\n\nChannel 0: Yeah?\n\nChannel 1: fine. I guess\n\nChannel 0: Yeah.\n\nChannel 1: I need to research whether that's competitive compared\n\nChannel 0: Yes.\n\nChannel 1: to other services is what I'm is\n\nChannel 0: Yes.\n\nChannel 1: is what I'm thinking. Yeah.\n\nChannel 0: Yeah. Of course. And, you know, by all means, we wanna make sure that you are happy and look after you at the end of the day, but there is no looking contract. So if at any point in time you're not happy and don't want to stay on, that is completely up to you, obviously. Now I can see here as well that I do think your your partner is booked in to do some research as well.\n\nAnd\n\nChannel 1: Yes.\n\nChannel 0: with with couple fees as well, we have recently changed the structures for couples. So if\n\nChannel 1: Mhmm.\n\nChannel 0: it is that we have three people on board, so instead of you paying 1.65%, it will be reduced for 1.1 for both of you to make it a little bit more affordable as well if he, you know, decides to come on board. That would apply to you as well.\n\nChannel 1: Cool.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. So I'll talk to him about that.\n\nChannel 0: Yeah. And they will go they will go through all of that with with him as well, you know, in during the process.\n\nChannel 1: Cool.\n\nChannel 0: Yeah.\n\nChannel 1: And I I don't want to skip too much of your time, but\n\nChannel 0: No. That's okay.\n\nChannel 1: I guess what\n\nChannel 0: Yep.\n\nChannel 1: I really wanna utilize is what services you guys have available for me. So I really wanna try and and as far as you go, but even if you can guide me, I really wanna try and learn more about investing myself. Like, obviously,\n\nChannel 0: Yep.\n\nChannel 1: not super, but my own sort of money to try and, you know, make a return there.\n\nChannel 0: Yeah.\n\nChannel 1: So I\n\nChannel 0: Yep.\n\nChannel 1: wanted to just get some education around that. And\n\nChannel 0: Yep.\n\nChannel 1: then I did yeah. Like I said, I I did send in that that budget thing just to see\n\nChannel 0: Yep.\n\nChannel 1: if there is any advice around how if we could manage our audit budget better,\n\nChannel 0: Right.\n\nChannel 1: our money better, because\n\nChannel 0: Yeah.\n\nChannel 1: I feel like we don't really do that very well. But if you guys don't do that, that's fine. But I just wanted to utilize what I can.\n\nChannel 0: Yeah. Yeah. I well, especially, you know, it's part of the ongoing service. So I think you spoke to my under review my my colleague, sorry, Dana, last year. So I'll have a look at that cash flow and budget.\n\nBut definitely it's something we can do to have a bit of a review at and see if we can make any changes. I'll check with with her and the team if we have that one and have a bit of review at it because definitely sometimes there can be obviously changes through it. When it comes to personal investments, we we can obviously do recommendations on different investments and structures and stuff like that. That would be good. So whether that would be that's typically, like, if you want us to manage it.\n\nSo that would be more your your personal investments or investment bonds and stuff like that. Then we would obviously do the research and make a recommendation on how to manage it. But I also have clients who just want to do their own investment. Because, obviously, we don't have, I guess, responsibility of managing those, it does become a little bit tricky. But in some areas where it's like, okay.\n\nLet's say you want to look at some investments and you just want a bit more research materials and and stuff like that, because we have access to all the research houses, I can very easily generate reports for you. So if you go, hey. I'm looking at doing, you know, this portfolio. What would that look like? Because it's not something we would What would that look like?\n\nBecause it's not something we would manage, I can't tell you directly yes or no because, ultimately, we don't have then the responsibility of managing that. But what I can do is I can put it into our software in front of a port on that portfolio, and that would then spit out for you. It can be it can be quite in-depth of different risk allocations and performance and stuff like that based on the portfolio that you're looking at or if it's just\n\nChannel 1: Mhmm.\n\nChannel 0: individual investments as well. So you can always just send me an email if it's something that you you want some research so you can kind of have a look at things for you before doing it. That is perfectly fine. Sorry. I think I lost you there.\n\nChannel 1: Yeah. I cut out for a little bit. Yeah.\n\nChannel 0: Yeah. Oh, sometimes technology. So, yes, we can definitely do that. So I will get the team to draft up that fee disclosure statement and email it to you.\n\nChannel 1: Mhmm.\n\nChannel 0: Just obviously disclosing the fee that you have paid in the last twelve months. And then, obviously, if you are happy to stay on, it's just estimating for the next twelve months, but it is a percentage of your super balance, just that 1.65 for the time being anyway. And, like, unless your partner does come on board, and it is just deducted from super monthly for you. So, typically, the fees will show you a yearly just to make it easy, but it is deducted monthly, especially to make it more fair to you because of, obviously, market fluctuations and stuff like that.\n\nChannel 1: And\n\nChannel 0: Okay.\n\nChannel 1: so you guys manage personal investments as well. So, like, usually, you have to have a sum of money, right, to start off with that?\n\nChannel 0: Yes. So, yeah, we definitely do personal investments. So whether that would be you know, there's a lot of different type of investments we can look at and manage for sure depending on, you know, time frames and and how much money you are looking at doing for sure. Definitely.\n\nChannel 1: Is there, like, a minimum amount? I know some obviously, a lot of places have minimum amount.\n\nChannel 0: More from a from a platform point of view, yes. So what amounts are you kind of looking at?\n\nChannel 1: Yeah. I was I thought, like, I thought $10 there, but I don't wanna\n\nChannel 0: Mhmm.\n\nChannel 1: put all my $10 in there, like, maybe $5 or something, but I don't know if that's\n\nChannel 0: Yeah. So most of the the platforms, because they are a little bit more, I guess, sophisticated, and there's a lot more you can do with it to make, obviously,\n\nChannel 1: enough.\n\nChannel 0: the fees and everything worth it and to\n\nChannel 1: Yep.\n\nChannel 0: even get it set up. A lot of the investment accounts do require about 20,000 as a deposit. You then have investment bonds, which is a different form of investing where you have you heard much about it before? Investment\n\nChannel 1: Look. I\n\nChannel 0: bonds\n\nChannel 1: did do\n\nChannel 0: and\n\nChannel 1: research\n\nChannel 0: stuff like\n\nChannel 1: initially,\n\nChannel 0: that?\n\nChannel 1: but it's just it's a lot of information to sort of get your\n\nChannel 0: It\n\nChannel 1: head around.\n\nChannel 0: is. It is.\n\nChannel 1: Yeah.\n\nChannel 0: And it's it's kind of weird because it kind of acts as a life insurance policy, but it's not because it's still part of investment. But it does that from, like, a tax point of view. So investment bonds, you can definitely have a lower amount. Sometimes we have people around more like your 10 or might even be able to do five, but, typically, it's more around the 10 to 15. There is one that's a little bit different.\n\nThey're more your your long term investment. So the really good thing with investment bonds is that if it's a long term investment that you are wanting to have for, let's say, 10 or then they become really tax effective. Because when you sell it, you don't have to pay any capital gains tax on it, and then you don't have it doesn't get added to your personal tax either. So you don't pay any personal tax on it when you sell it. So that is obviously very different through your personal investment because, obviously, you would then have to pay your capital gains tax on it.\n\nAnd then when you you know, earnings and stuff like that will then be added to your taxable income. So it becomes really tax effective if we're looking at longer term investment. They still have, you know, options in terms of if you can still invest in a lot of different investment options, not as extensive as your personal investment account. There are some restrictions on some of them with, you know, how much regular contributions. And if you wanna take it out before the ten year, then it's not as tax effective.\n\nSo it kind of depends on, you know, time frames and what your goals and stuff like that are. Otherwise, if you do just a little bit of investing yourself, because sometimes we have clients who just want to do a little bit investing themselves if they just have a couple of thousand as well. Most of your Comtech and other platforms, they don't really have a a minimum or it's a lot lower. So you can definitely do, like, a thousand and stuff like that. But because it's it's not it's a different kind of platform, we wouldn't be able to manage that for you.\n\nChannel 1: Yep. That was Contacts.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Cool. Okay. Cool.\n\nChannel 0: So so, hopefully, that helped them a little bit, though, for you.\n\nChannel 1: Yep. Yeah. It does. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: Yeah. No. That's okay. So like I said, I'll get to the team through email you that fee disclosure statement. Is there anything else that you kind of need from us at the moment?\n\nI know here as well that we have you booked down to do quarterly review reviews moving forward as well to give a bit more communication. And, you know, if anything changes, we can always revisit things for you then or, obviously, at any point in time, if you go, you know what? Now I would like to do this, then we can definitely do all of that. And the last thing I was going to ask as well is your mortgage and stuff like that. When was the last time you guys had a refinance?\n\nDo you know?\n\nChannel 1: Yeah. I mean, we we we'll refinance, but we withdrew a little bit of money out last year.\n\nChannel 0: Mhmm.\n\nChannel 1: I haven't done a full refinance yet because of the way interest rates have been going.\n\nChannel 0: Yep.\n\nChannel 1: So we're with AMP currently.\n\nChannel 0: Yep.\n\nChannel 1: I didn't know whether it was worth waiting to see because I don't know if we're really gonna get a better rate at the moment with interest\n\nChannel 0: Do\n\nChannel 1: rates\n\nChannel 0: do\n\nChannel 1: without\n\nChannel 0: you know\n\nChannel 1: going, but\n\nChannel 0: do you know your account?\n\nChannel 1: yeah.\n\nChannel 0: Right?\n\nChannel 1: Yeah. Well, they haven't announced it going up, but I expect an email in a day. I'm sure.\n\nChannel 0: Yep.\n\nChannel 1: Let's see. Five point seven four percent.\n\nChannel 0: Perfect. And that's variable?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. It it's up to you. It it's not it's not too bad. If it is you know, sometimes it's always worth checking. I always suggest through to get to get it reviewed each year just to see, especially as your property has gone up, especially from when you took the loan out.\n\nIf there's more equity in it, then you can obviously lower that down so you can make it more affordable sometimes as well. If it how do you guys pay it? Is there a weekly, monthly, fortnightly?\n\nChannel 1: Wheat cream.\n\nChannel 0: Weekly. Okay. Perfect. Because that sometimes as well can obviously speed things up a little bit by doing it weekly, so that's good. But if it is something that you are interested in, I can always get a mortgage broker to give you a call if you would like a bit of a review of your mortgage\n\nChannel 1: Yes.\n\nChannel 0: to see if they can find any better options for you?\n\nChannel 1: Yes. I'm sent.\n\nChannel 0: Yeah. Yeah. I mean, it doesn't hurt. Worst comes to worst. They'll do the research,\n\nChannel 1: Yes.\n\nChannel 0: and they say, do you know what? You're in a pretty good deal. We'll touch base a a bit later. And, you\n\nChannel 1: Yeah.\n\nChannel 0: know, if they can find something better, that's great.\n\nChannel 1: Yeah.\n\nChannel 0: So are you happy for me to pass on, obviously, your phone number and\n\nChannel 1: Yeah.\n\nChannel 0: email address to them? Perfect. And\n\nChannel 1: Yeah. Fine.\n\nChannel 0: do you have a best contact time I have here after 5PM at big time?\n\nChannel 1: Yeah. After\n\nChannel 0: Typically?\n\nChannel 1: four or five is better. Yeah.\n\nChannel 0: Okay. So they're after, what, four to five. Any preference on any days? Like, oh, is it just Monday to Friday, typically, or Monday to Thursday?\n\nChannel 1: Wednesday to Thursday.\n\nChannel 0: Yep. Okay. Perfect. I will send that off to them and get them through, give you a call. I'll also send an introduction email so that you have their contact details as well, but\n\nChannel 1: Yep.\n\nChannel 0: I'll get them through to reach out. But then that way, you have their details as well just to see if there's anything else that you can do with it. And, you know, if you do get through, you want us to review your personal investments a little bit more as well. If you have\n\nChannel 1: Mhmm.\n\nChannel 0: a little bit more potentially that you would like us to do, then just let us know. We can always do some some research\n\nChannel 1: Perfect. And\n\nChannel 0: in\n\nChannel 1: I just want to follow-up\n\nChannel 0: different\n\nChannel 1: with the budget, like, the thing that I feel well, I don't remember if\n\nChannel 0: things.\n\nChannel 1: I've got it whenever I can do a new one, but just the budget stuff.\n\nChannel 0: Yep. Yep. Perfect. I will check-in with my my colleague who you would have done that with and see, but I can schedule you in any way for a follow-up in regards to that now while I have you on the phone if you would like just so\n\nChannel 1: Yep.\n\nChannel 0: it's all scheduled in there for you.\n\nChannel 1: Yep.\n\nChannel 0: Now let me see.\n\nChannel 1: Well, should they resend it to me for me to send back or something?\n\nChannel 0: Has it when was the last time you completed it? Was that a little while ago? Okay. Okay. Well, yeah, maybe the first point is I'll get them to resend it to you.\n\nObviously, have a bit of review over it and see if anything's changed, do some tweaks, send it back. And then as soon as we get it back, we'll then get in touch to book in a catch up to review the cash flow budgeting in a little bit more kind of in-depth and\n\nChannel 1: Yes.\n\nChannel 0: see if there's anything\n\nChannel 1: Yeah.\n\nChannel 0: else we can restructure for you.\n\nChannel 1: Perfect. No worries. And I don't know if you can pass this along, but I did get told at some point that if I refer someone to maybe there was, like, some sort of referrals being there. So I don't know if that if James does sign up,\n\nChannel 0: Yes.\n\nChannel 1: if there's any sort of referral program or something that you do. Actually, they did say, like, you get a bath or something, but I just\n\nChannel 0: That\n\nChannel 1: want\n\nChannel 0: is\n\nChannel 1: to ask\n\nChannel 0: correct.\n\nChannel 1: the questions. Yeah.\n\nChannel 0: No. That that\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: cut\n\nChannel 0: correct.\n\nChannel 1: it\n\nChannel 0: Sorry. It is a good one. So, yes, definitely, if,\n\nChannel 1: off.\n\nChannel 0: you know, your your partner does come on board as a client, not only will the ongoing advice fee be reduced for you because you're a couple, but because you referred him on as well, you will also get a $100 gift card to say thank you. Yeah. That will definitely be you know, if he signs on board, we already have that on record as you referred him. So, you know, if he does sign on board, then we already have that kind of noted on the account that you will then, you know, get that gift gift voucher\n\nChannel 1: Awesome.\n\nChannel 0: to\n\nChannel 1: Perfect.\n\nChannel 0: say\n\nChannel 1: Alright. Cool.\n\nChannel 0: thank\n\nChannel 1: Thank you\n\nChannel 0: you.\n\nChannel 1: so much.\n\nChannel 0: Yeah.\n\nChannel 1: What was your name, sir?\n\nChannel 0: Veronica.\n\nChannel 1: Veronica. Perfect. Thank you for your help.\n\nChannel 0: No problem. No. Anything else that you do need, though, don't hesitate to give me a call. But, otherwise, keep a look at on that email with that free disclosure statement for\n\nChannel 1: I will. Thank you. Thank you for\n\nChannel 0: you.\n\nChannel 1: your time.\n\nChannel 0: No problem. No problem at all. Thanks, Leah.\n\nChannel 1: Thank\n\nChannel 0: Okay.\n\nChannel 1: you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.48,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.05292496085166931},{"text":"This is Hello?","start":0.71999997,"end":3.22,"sentiment":"neutral","sentiment_score":0.056444745510816574}],"sentiment":"neutral","sentiment_score":0.05556479934602976,"channel":1,"num_words":4,"start":0.48,"end":3.22},{"sentences":[{"text":"Good afternoon.","start":4.08,"end":4.64,"sentiment":"neutral","sentiment_score":0.29698115587234497},{"text":"Is this Leah?","start":4.64,"end":5.62,"sentiment":"neutral","sentiment_score":0.11832887182633083}],"sentiment":"neutral","sentiment_score":0.1897897854447365,"channel":0,"num_words":5,"start":4.08,"end":5.62},{"sentences":[{"text":"Leah?","start":6.16,"end":6.64,"sentiment":"neutral","sentiment_score":0.04292318597435951},{"text":"Yes?","start":6.64,"end":7.14,"sentiment":"neutral","sentiment_score":0.07539156079292297}],"sentiment":"neutral","sentiment_score":0.05915737338364124,"channel":1,"num_words":2,"start":6.16,"end":7.14},{"sentences":[{"text":"Yeah.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.10627855360507964},{"text":"This is Veronica from Oakview Financial.","start":7.68,"end":9.78,"sentiment":"neutral","sentiment_score":0.16722160577774048},{"text":"How are you this 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you can have a look at those attachments there, that will be something that I can I'm happy to go through with you today, especially if that wasn't really gone through last time.","start":270.125,"end":280.045,"sentiment":"positive","sentiment_score":0.4346316165157727},{"text":"So definitely pass on that feedback if, yeah, if it wasn't really gone through in a in, you know, a lot of detail with you.","start":280.045,"end":287.94,"sentiment":"neutral","sentiment_score":0.20893139153718948}],"sentiment":"neutral","sentiment_score":0.3104936323769681,"channel":0,"num_words":77,"start":264.63,"end":287.94},{"sentences":[{"text":"Is it super insurance summary?","start":288.235,"end":289.91498,"sentiment":"neutral","sentiment_score":0.03607279136776924},{"text":"That would be it.","start":289.91498,"end":290.715,"sentiment":"neutral","sentiment_score":0.027728961780667305},{"text":"I 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three.","start":479.625,"end":480.39,"sentiment":"neutral","sentiment_score":0.022919075563549995},{"text":"Yes.","start":480.55002,"end":480.79,"sentiment":"neutral","sentiment_score":0.03749623894691467},{"text":"Correct.","start":480.79,"end":481.29,"sentiment":"neutral","sentiment_score":0.09195117652416228}],"sentiment":"neutral","sentiment_score":0.03964092843234539,"channel":0,"num_words":5,"start":479.625,"end":481.29},{"sentences":[{"text":"And is that comparable?","start":481.76498,"end":483.54498,"sentiment":"neutral","sentiment_score":0.06361700873821974},{"text":"Like, is that a competitive rate?","start":483.76498,"end":485.44498,"sentiment":"neutral","sentiment_score":0.07936490575472514},{"text":"Because that's like a big chunk coming out of my 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really good and exclude inclusive that new policies do not have.","start":508.78,"end":517.84,"sentiment":"neutral","sentiment_score":0.021060690730810166}],"sentiment":"neutral","sentiment_score":-0.012530008604129155,"channel":0,"num_words":75,"start":488.55002,"end":517.84},{"sentences":[{"text":"Right.","start":518.2,"end":518.6,"sentiment":"neutral","sentiment_score":0.041029542684555054}],"sentiment":"neutral","sentiment_score":0.041029542684555054,"channel":1,"num_words":1,"start":518.2,"end":518.6},{"sentences":[{"text":"So","start":518.38,"end":518.88,"sentiment":"neutral","sentiment_score":0.02871203050017357}],"sentiment":"neutral","sentiment_score":0.02871203050017357,"channel":0,"num_words":1,"start":518.38,"end":518.88},{"sentences":[{"text":"I remember he's explained this.","start":518.6,"end":520.44,"sentiment":"neutral","sentiment_score":0.04138830788433552},{"text":"He said it was better to keep this policy because there's a little bit there's extra stuff 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What","start":796.285,"end":799.17,"sentiment":"neutral","sentiment_score":0.041547348722815514}],"sentiment":"neutral","sentiment_score":0.042794670732248394,"channel":1,"num_words":21,"start":792.045,"end":799.17},{"sentences":[{"text":"Yep.","start":799.065,"end":799.565,"sentiment":"neutral","sentiment_score":0.045246850699186325}],"sentiment":"neutral","sentiment_score":0.045246850699186325,"channel":0,"num_words":1,"start":799.065,"end":799.565},{"sentences":[{"text":"was the highest return one?","start":799.17,"end":801.43,"sentiment":"neutral","sentiment_score":0.059240499138832094}],"sentiment":"neutral","sentiment_score":0.059240499138832094,"channel":1,"num_words":5,"start":799.17,"end":801.43},{"sentences":[{"text":"Yep.","start":801.945,"end":802.445,"sentiment":"neutral","sentiment_score":0.06945399940013885},{"text":"So your highest one is the 17.81.","start":802.505,"end":807.64496,"sentiment":"neutral","sentiment_score":0.09025420887129647},{"text":"Now that is the one that has a q o zed, the beta shares Raffi Australia.","start":807.785,"end":813.63995,"sentiment":"neutral","sentiment_score":0.07227095100097358},{"text":"You can see that one?","start":813.94,"end":815.24,"sentiment":"neutral","sentiment_score":0.03832535147666931}],"sentiment":"neutral","sentiment_score":0.07066191154821165,"channel":0,"num_words":29,"start":801.945,"end":815.24},{"sentences":[{"text":"I n t o s.","start":815.755,"end":816.97504,"sentiment":"neutral","sentiment_score":0.013953256607055663}],"sentiment":"neutral","sentiment_score":0.013953256607055663,"channel":1,"num_words":5,"start":815.755,"end":816.97504},{"sentences":[{"text":"Yep.","start":816.66,"end":817.16,"sentiment":"neutral","sentiment_score":0.049350805580616}],"sentiment":"neutral","sentiment_score":0.049350805580616,"channel":0,"num_words":1,"start":816.66,"end":817.16},{"sentences":[{"text":"Yes.","start":817.03503,"end":817.53503,"sentiment":"neutral","sentiment_score":0.06835959851741791}],"sentiment":"neutral","sentiment_score":0.06835959851741791,"channel":1,"num_words":1,"start":817.03503,"end":817.53503},{"sentences":[{"text":"Yeah.","start":817.54,"end":817.86,"sentiment":"neutral","sentiment_score":0.07020148634910583},{"text":"So that one is the one that's it basically invests in the 200 largest companies in Australia.","start":817.86,"end":822.83997,"sentiment":"neutral","sentiment_score":0.08034867267398273},{"text":"But instead of it kind of being size, which is a lot of the investments just kind of follow an index based on the biggest companies based on size, they kind of do the research more on the fundamental measures of the company.","start":823.13995,"end":837.16504,"sentiment":"neutral","sentiment_score":0.06622888581004253},{"text":"So, like, they look at the sales and cash flow and book value instead.","start":837.16504,"end":840.56,"sentiment":"neutral","sentiment_score":0.09411667659878731},{"text":"So it's a different way to truthing the investment that goes into it.","start":840.7,"end":844.13995,"sentiment":"neutral","sentiment_score":0.08164818842823689}],"sentiment":"neutral","sentiment_score":0.07571626060896298,"channel":0,"num_words":88,"start":817.54,"end":844.13995},{"sentences":[{"text":"They're still focusing on the Australian equity component.","start":844.13995,"end":847.12,"sentiment":"neutral","sentiment_score":0.11701945308595896},{"text":"So that one was your the biggest performer, which is at 17.81","start":847.42,"end":852.57495,"sentiment":"neutral","sentiment_score":0.14446226817866167}],"sentiment":"neutral","sentiment_score":0.13348514214158058,"channel":0,"num_words":20,"start":844.13995,"end":852.57495},{"sentences":[{"text":"Okay.","start":853.755,"end":854.255,"sentiment":"neutral","sentiment_score":0.04551226645708084},{"text":"And that's the are the twelve months?","start":854.78,"end":856.56,"sentiment":"neutral","sentiment_score":0.025423171264784678}],"sentiment":"neutral","sentiment_score":0.027934308163821697,"channel":1,"num_words":8,"start":853.755,"end":856.56},{"sentences":[{"text":"percent.","start":856.39496,"end":856.89496,"sentiment":"neutral","sentiment_score":0.02285047434270382},{"text":"Yes.","start":857.035,"end":857.435,"sentiment":"neutral","sentiment_score":0.04108767956495285},{"text":"Actually, no.","start":857.435,"end":858.495,"sentiment":"neutral","sentiment_score":-0.00635890755802393},{"text":"You had need a bigger one, which is a gold, which is a mortgage alternative investment, but that one actually went up at 52.4%, which is crazy.","start":858.63495,"end":868.26,"sentiment":"neutral","sentiment_score":0.01903350271836475},{"text":"We've obviously seen a lot of things with with gold.","start":868.8,"end":871.36,"sentiment":"neutral","sentiment_score":0.048566588386893275}],"sentiment":"neutral","sentiment_score":0.02562904380625341,"channel":0,"num_words":41,"start":856.39496,"end":871.36},{"sentences":[{"text":"So","start":871.36,"end":871.52,"sentiment":"neutral","sentiment_score":0.023327236995100975}],"sentiment":"neutral","sentiment_score":0.023327236995100975,"channel":0,"num_words":1,"start":871.36,"end":871.52},{"sentences":[{"text":"Gold.","start":871.585,"end":871.825,"sentiment":"neutral","sentiment_score":0.03437291830778122},{"text":"Yeah.","start":871.825,"end":872.325,"sentiment":"neutral","sentiment_score":0.03811188042163849}],"sentiment":"neutral","sentiment_score":0.036242399364709854,"channel":1,"num_words":2,"start":871.585,"end":872.325},{"sentences":[{"text":"yeah.","start":872.08,"end":872.58,"sentiment":"neutral","sentiment_score":0.03427696228027344},{"text":"So that's actually at 5252.4%.","start":872.88,"end":876.58,"sentiment":"neutral","sentiment_score":0.03648152016103268}],"sentiment":"neutral","sentiment_score":0.036114093847572803,"channel":0,"num_words":6,"start":872.08,"end":876.58},{"sentences":[{"text":"So when that does that mean buying actual, like, gold?","start":877.425,"end":881.045,"sentiment":"neutral","sentiment_score":0.02220279388129711}],"sentiment":"neutral","sentiment_score":0.02220279388129711,"channel":1,"num_words":10,"start":877.425,"end":881.045},{"sentences":[{"text":"It's more kind of a an option.","start":882.09503,"end":884.09503,"sentiment":"neutral","sentiment_score":0.19251045158931188},{"text":"So, obviously, instead of having physical gold, it's just via the air stock exchange.","start":884.09503,"end":888.03503,"sentiment":"neutral","sentiment_score":0.09414398829851832},{"text":"So you obviously","start":888.41504,"end":889.135,"sentiment":"neutral","sentiment_score":0.09421710669994354}],"sentiment":"neutral","sentiment_score":0.12284334655851126,"channel":0,"num_words":24,"start":882.09503,"end":889.135},{"sentences":[{"text":"Okay.","start":888.88,"end":889.38,"sentiment":"neutral","sentiment_score":0.10230329632759094}],"sentiment":"neutral","sentiment_score":0.10230329632759094,"channel":1,"num_words":1,"start":888.88,"end":889.38},{"sentences":[{"text":"don't have to, like, store the gold, but but,","start":889.135,"end":891.29504,"sentiment":"neutral","sentiment_score":0.033606021768516965}],"sentiment":"neutral","sentiment_score":0.033606021768516965,"channel":0,"num_words":9,"start":889.135,"end":891.29504},{"sentences":[{"text":"Yeah.","start":891.28,"end":891.78,"sentiment":"neutral","sentiment_score":0.14305520057678223}],"sentiment":"neutral","sentiment_score":0.14305520057678223,"channel":1,"num_words":1,"start":891.28,"end":891.78},{"sentences":[{"text":"yes, if you ETF, invest","start":891.29504,"end":894.64,"sentiment":"neutral","sentiment_score":0.22385629415512084}],"sentiment":"neutral","sentiment_score":0.22385629415512084,"channel":0,"num_words":5,"start":891.29504,"end":894.64},{"sentences":[{"text":"I'm just wondering if I can, like, buy","start":894.48,"end":896.48,"sentiment":"neutral","sentiment_score":0.1937962770462036}],"sentiment":"neutral","sentiment_score":0.1937962770462036,"channel":1,"num_words":8,"start":894.48,"end":896.48},{"sentences":[{"text":"in","start":896.33997,"end":896.83997,"sentiment":"neutral","sentiment_score":0.19604822993278503}],"sentiment":"neutral","sentiment_score":0.19604822993278503,"channel":0,"num_words":1,"start":896.33997,"end":896.83997},{"sentences":[{"text":"shares myself, like or","start":896.48,"end":898.30505,"sentiment":"neutral","sentiment_score":0.20058463886380196}],"sentiment":"neutral","sentiment_score":0.20058463886380196,"channel":1,"num_words":4,"start":896.48,"end":898.30505},{"sentences":[{"text":"gold.","start":898.54,"end":899.04,"sentiment":"neutral","sentiment_score":0.2322075068950653}],"sentiment":"neutral","sentiment_score":0.2322075068950653,"channel":0,"num_words":1,"start":898.54,"end":899.04},{"sentences":[{"text":"just earn a super.","start":898.84503,"end":899.905,"sentiment":"neutral","sentiment_score":0.2547284848988056}],"sentiment":"neutral","sentiment_score":0.2547284848988056,"channel":1,"num_words":4,"start":898.84503,"end":899.905},{"sentences":[{"text":"No.","start":900.74,"end":900.98,"sentiment":"neutral","sentiment_score":0.09075719863176346},{"text":"You can definitely so the good thing with obviously, there's lots of different ways that you can buy shares yourself.","start":900.98,"end":907.465,"sentiment":"positive","sentiment_score":0.38609161227941513},{"text":"So Hub twenty four, they do have a personal investment account that you can do through Hub twenty four.","start":907.465,"end":913.145,"sentiment":"neutral","sentiment_score":0.28187699459101023},{"text":"There's a lot of different platforms that do it.","start":913.145,"end":915.245,"sentiment":"neutral","sentiment_score":0.20779897438155281}],"sentiment":"neutral","sentiment_score":0.30690700226292317,"channel":0,"num_words":49,"start":900.74,"end":915.245},{"sentences":[{"text":"Mhmm.","start":915.81,"end":916.31,"sentiment":"neutral","sentiment_score":0.1881222426891327}],"sentiment":"neutral","sentiment_score":0.1881222426891327,"channel":1,"num_words":1,"start":915.81,"end":916.31},{"sentences":[{"text":"You can obviously do your kind of trading accounts yourself as well.","start":916.825,"end":921.01,"sentiment":"neutral","sentiment_score":0.2603113241493702},{"text":"So some people use, like, Consec.","start":921.01,"end":922.85,"sentiment":"neutral","sentiment_score":0.2323810582359632},{"text":"Like, there's a lot of, you know, your your cheaper platforms if you just wanna do some investing yourself.","start":922.85,"end":928.47,"sentiment":"neutral","sentiment_score":0.2521906746061225},{"text":"And then, obviously, depending on what the investments are available on each platform, most of them tend to have basically everything that you can see in your Hub twenty four super account at the moment because that's obviously all listed there for you.","start":929.49,"end":943.765,"sentiment":"neutral","sentiment_score":0.25850883888643844},{"text":"You can access all of them on most platforms.","start":943.765,"end":946.05005,"sentiment":"neutral","sentiment_score":0.29258343908521867}],"sentiment":"neutral","sentiment_score":0.25908737169222884,"channel":0,"num_words":89,"start":916.825,"end":946.05005},{"sentences":[{"text":"And then other platforms, you can invest in other things as well that you can't do in superannuation.","start":946.59,"end":951.81,"sentiment":"neutral","sentiment_score":0.2428835795985328},{"text":"So if there are specific, you know, crypto investments or or other things that you are really interested in, you can get access to that on other platforms that may not be available in hub twenty four.","start":952.27,"end":962.445,"sentiment":"neutral","sentiment_score":0.21222413190313288},{"text":"But, basically, everything that you can see in your portfolio, most other platforms, if you wanna do personal investments, you can definitely access yourself.","start":962.445,"end":970.87,"sentiment":"neutral","sentiment_score":0.29770926137765247},{"text":"But then you can also invest in your direct shares and stuff like that as well if it's, you know, obviously something that you are interested in.","start":971.01,"end":977.25,"sentiment":"neutral","sentiment_score":0.2893984582689073},{"text":"But we mainly have you in your ETF because they're kind of your your low cost options.","start":977.25,"end":981.99,"sentiment":"neutral","sentiment_score":0.3147036661120022}],"sentiment":"neutral","sentiment_score":0.2644954494586805,"channel":0,"num_words":123,"start":946.59,"end":981.99},{"sentences":[{"text":"They're a little bit cheaper, but very diversified for you","start":983.25,"end":985.785,"sentiment":"positive","sentiment_score":0.43448068797588346}],"sentiment":"positive","sentiment_score":0.43448068797588346,"channel":0,"num_words":10,"start":983.25,"end":985.785},{"sentences":[{"text":"So is my has it grown like, isn't I super where it should be for my age?","start":987.165,"end":993.02496,"sentiment":"neutral","sentiment_score":0.02759510322528727}],"sentiment":"neutral","sentiment_score":0.02759510322528727,"channel":1,"num_words":17,"start":987.165,"end":993.02496},{"sentences":[{"text":"as well.","start":993.305,"end":994.365,"sentiment":"neutral","sentiment_score":0.03207673318684101},{"text":"It is a it is a very good question, and it is very hard to answer because it depends","start":994.425,"end":998.845,"sentiment":"neutral","sentiment_score":0.11394237413218147}],"sentiment":"neutral","sentiment_score":0.10614564642310143,"channel":0,"num_words":21,"start":993.305,"end":998.845},{"sentences":[{"text":"Mhmm.","start":998.685,"end":999.15,"sentiment":"neutral","sentiment_score":0.014185655862092972}],"sentiment":"neutral","sentiment_score":0.014185655862092972,"channel":1,"num_words":1,"start":998.685,"end":999.15},{"sentences":[{"text":"it depends what your goals are by the time you retire.","start":999.865,"end":1003.91003,"sentiment":"neutral","sentiment_score":0.037857451222159645},{"text":"So, typically, it's like, okay.","start":1004.13,"end":1005.81006,"sentiment":"neutral","sentiment_score":0.08116298615932464},{"text":"Well, by the time you retire, how much do you want to achieve?","start":1005.81006,"end":1008.29004,"sentiment":"neutral","sentiment_score":0.08160167645949584},{"text":"Also, what's your income at the moment and where things are at?","start":1008.29004,"end":1011.35004,"sentiment":"neutral","sentiment_score":0.01838142207513253},{"text":"But if you want a bit more of a just a general based on your current age, this is where most people tend to sit.","start":1011.65,"end":1020.005,"sentiment":"neutral","sentiment_score":-0.011258962899446487}],"sentiment":"neutral","sentiment_score":0.02760866182771596,"channel":0,"num_words":66,"start":999.865,"end":1020.005},{"sentences":[{"text":"I can get that information for you if you just bear with me for a second.","start":1020.54504,"end":1024.885,"sentiment":"neutral","sentiment_score":0.09100797912105918}],"sentiment":"neutral","sentiment_score":0.09100797912105918,"channel":0,"num_words":16,"start":1020.54504,"end":1024.885},{"sentences":[{"text":"Yep.","start":1024.8049,"end":1025.3049,"sentiment":"neutral","sentiment_score":0.09333786368370056},{"text":"Okay.","start":1025.5,"end":1026.0,"sentiment":"neutral","sentiment_score":0.091213621199131}],"sentiment":"neutral","sentiment_score":0.09227574244141579,"channel":1,"num_words":2,"start":1024.8049,"end":1026.0},{"sentences":[{"text":"Because, yeah, there's a lot that goes into it, but sometimes people just want, like, okay.","start":1027.745,"end":1031.73,"sentiment":"neutral","sentiment_score":0.06178602192085236},{"text":"Well, you know, the the average person in my age, what would that typically look like?","start":1031.73,"end":1036.9299,"sentiment":"neutral","sentiment_score":0.048218277748674154},{"text":"And Aetna does publish all of that as well of, you know, using all the statistics in Sorry.","start":1036.9299,"end":1043.855,"sentiment":"neutral","sentiment_score":0.06806800907684697},{"text":"Let me see if I can find that for you.","start":1043.855,"end":1046.2749,"sentiment":"neutral","sentiment_score":0.05942392908036709}],"sentiment":"neutral","sentiment_score":0.05965887081498901,"channel":0,"num_words":60,"start":1027.745,"end":1046.2749},{"sentences":[{"text":"Okay.","start":1046.8251,"end":1047.3251,"sentiment":"neutral","sentiment_score":0.072665736079216},{"text":"Okay.","start":1047.465,"end":1047.965,"sentiment":"neutral","sentiment_score":0.08199399709701538}],"sentiment":"neutral","sentiment_score":0.07732986658811569,"channel":1,"num_words":2,"start":1046.8251,"end":1047.965},{"sentences":[{"text":"So, again, this","start":1063.9,"end":1064.7,"sentiment":"neutral","sentiment_score":0.08401051412026088}],"sentiment":"neutral","sentiment_score":0.08401051412026088,"channel":0,"num_words":3,"start":1063.9,"end":1064.7},{"sentences":[{"text":"Mhmm.","start":1064.605,"end":1065.105,"sentiment":"neutral","sentiment_score":0.0618329718708992}],"sentiment":"neutral","sentiment_score":0.0618329718708992,"channel":1,"num_words":1,"start":1064.605,"end":1065.105},{"sentences":[{"text":"is obviously just like a generalized information, what they say.","start":1064.7,"end":1070.335,"sentiment":"neutral","sentiment_score":0.049360692501068115},{"text":"But, basically, for, I guess, kind of, like, a key benchmark, if you round the 35 to 39 h, for women, it tend to sit at around 71 to 87,000.","start":1070.955,"end":1085.1,"sentiment":"neutral","sentiment_score":0.10977256298065186},{"text":"So you are obviously above that, which is great.","start":1086.0599,"end":1088.96,"sentiment":"positive","sentiment_score":0.4869530565208859},{"text":"Again, obviously, it depends on, you know, how much between now and you retire, what's your contributions like, what's your income, what your insurances, and stuff like that.","start":1089.98,"end":1098.875,"sentiment":"neutral","sentiment_score":0.043276275375059674},{"text":"But if you're looking at an an average of, okay, well, where are most, you know, 37 year olds and, you know, between that 35 and 39, where do they typically sit?","start":1098.875,"end":1111.215,"sentiment":"neutral","sentiment_score":0.003095621126703918}],"sentiment":"neutral","sentiment_score":0.08697391660251749,"channel":0,"num_words":109,"start":1064.7,"end":1111.215},{"sentences":[{"text":"It's around.","start":1111.515,"end":1112.28,"sentiment":"neutral","sentiment_score":0.010224907426163552},{"text":"For for women, it's 71 to 87, and for men, it's about 90 to a 130.","start":1112.28,"end":1117.26,"sentiment":"neutral","sentiment_score":0.05165944877080619}],"sentiment":"neutral","sentiment_score":0.047055610843623676,"channel":0,"num_words":18,"start":1111.515,"end":1117.26},{"sentences":[{"text":"Okay.","start":1118.0701,"end":1118.475,"sentiment":"positive","sentiment_score":0.5669775009155273}],"sentiment":"positive","sentiment_score":0.5669775009155273,"channel":1,"num_words":1,"start":1118.0701,"end":1118.475},{"sentences":[{"text":"So you're definitely kind of doing good doing good on where you're at at the moment.","start":1118.12,"end":1123.66,"sentiment":"positive","sentiment_score":0.6015894765150733},{"text":"And the way that, obviously, we do have your portfolio construction, trying to maximize that, that, you're definitely, you know, doing the right thing to kinda get you through where your retirement goals needs to be as soon as you can as 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more.","start":1140.135,"end":1143.0299,"sentiment":"neutral","sentiment_score":0.24205068312585354}],"sentiment":"neutral","sentiment_score":0.24205068312585354,"channel":0,"num_words":8,"start":1140.135,"end":1143.0299},{"sentences":[{"text":"So I have two","start":1143.8,"end":1144.68,"sentiment":"neutral","sentiment_score":0.052805185317993164}],"sentiment":"neutral","sentiment_score":0.052805185317993164,"channel":1,"num_words":4,"start":1143.8,"end":1144.68},{"sentences":[{"text":"Does","start":1144.61,"end":1144.7699,"sentiment":"neutral","sentiment_score":0.018657932057976723}],"sentiment":"neutral","sentiment_score":0.018657932057976723,"channel":0,"num_words":1,"start":1144.61,"end":1144.7699},{"sentences":[{"text":"follow-up","start":1144.68,"end":1145.08,"sentiment":"neutral","sentiment_score":0.0687788650393486}],"sentiment":"neutral","sentiment_score":0.0687788650393486,"channel":1,"num_words":1,"start":1144.68,"end":1145.08},{"sentences":[{"text":"that make","start":1144.7699,"end":1145.1699,"sentiment":"neutral","sentiment_score":0.02999757044017315}],"sentiment":"neutral","sentiment_score":0.02999757044017315,"channel":0,"num_words":2,"start":1144.7699,"end":1145.1699},{"sentences":[{"text":"questions.","start":1145.08,"end":1145.58,"sentiment":"neutral","sentiment_score":0.03322931006550789}],"sentiment":"neutral","sentiment_score":0.03322931006550789,"channel":1,"num_words":1,"start":1145.08,"end":1145.58},{"sentences":[{"text":"sense?","start":1145.1699,"end":1145.6699,"sentiment":"neutral","sentiment_score":0.05136033892631531}],"sentiment":"neutral","sentiment_score":0.05136033892631531,"channel":0,"num_words":1,"start":1145.1699,"end":1145.6699},{"sentences":[{"text":"Yeah.","start":1145.975,"end":1146.135,"sentiment":"neutral","sentiment_score":0.12168879806995392}],"sentiment":"neutral","sentiment_score":0.12168879806995392,"channel":1,"num_words":1,"start":1145.975,"end":1146.135},{"sentences":[{"text":"Yeah.","start":1146.1299,"end":1146.37,"sentiment":"neutral","sentiment_score":0.18999654054641724}],"sentiment":"neutral","sentiment_score":0.18999654054641724,"channel":0,"num_words":1,"start":1146.1299,"end":1146.37},{"sentences":[{"text":"It does.","start":1146.135,"end":1146.615,"sentiment":"neutral","sentiment_score":0.2250063195824623}],"sentiment":"neutral","sentiment_score":0.2250063195824623,"channel":1,"num_words":2,"start":1146.135,"end":1146.615},{"sentences":[{"text":"Of course.","start":1146.37,"end":1147.0299,"sentiment":"neutral","sentiment_score":0.1476808600127697}],"sentiment":"neutral","sentiment_score":0.1476808600127697,"channel":0,"num_words":2,"start":1146.37,"end":1147.0299},{"sentences":[{"text":"Yes.","start":1146.615,"end":1147.015,"sentiment":"neutral","sentiment_score":0.17671610414981842},{"text":"Yes.","start":1147.015,"end":1147.515,"sentiment":"neutral","sentiment_score":0.13751453161239624},{"text":"Sorry.","start":1147.895,"end":1148.395,"sentiment":"neutral","sentiment_score":0.0682513415813446},{"text":"One question is is is Hub 24 still where I should stay?","start":1149.495,"end":1154.615,"sentiment":"neutral","sentiment_score":0.03316465951502323},{"text":"Because I don't care about whatever company is going","start":1154.615,"end":1157.335,"sentiment":"neutral","sentiment_score":0.02649092964000172}],"sentiment":"neutral","sentiment_score":0.042453177428493895,"channel":1,"num_words":24,"start":1146.615,"end":1157.335},{"sentences":[{"text":"Yep.","start":1157.325,"end":1157.825,"sentiment":"neutral","sentiment_score":0.1130618453025818}],"sentiment":"neutral","sentiment_score":0.1130618453025818,"channel":0,"num_words":1,"start":1157.325,"end":1157.825},{"sentences":[{"text":"to, like,","start":1157.335,"end":1157.91,"sentiment":"neutral","sentiment_score":0.1328965499997139}],"sentiment":"neutral","sentiment_score":0.1328965499997139,"channel":1,"num_words":2,"start":1157.335,"end":1157.91},{"sentences":[{"text":"Yep.","start":1157.965,"end":1158.465,"sentiment":"neutral","sentiment_score":0.20040401816368103}],"sentiment":"neutral","sentiment_score":0.20040401816368103,"channel":0,"num_words":1,"start":1157.965,"end":1158.465},{"sentences":[{"text":"just wherever it's gonna get me the best returns.","start":1157.99,"end":1159.77,"sentiment":"neutral","sentiment_score":0.20730023086071014}],"sentiment":"neutral","sentiment_score":0.20730023086071014,"channel":1,"num_words":9,"start":1157.99,"end":1159.77},{"sentences":[{"text":"Yep.","start":1160.045,"end":1160.545,"sentiment":"neutral","sentiment_score":0.0913599580526352}],"sentiment":"neutral","sentiment_score":0.0913599580526352,"channel":0,"num_words":1,"start":1160.045,"end":1160.545},{"sentences":[{"text":"And the second question is, should I be contributing?","start":1160.0701,"end":1163.85,"sentiment":"neutral","sentiment_score":0.06200157809588644},{"text":"And if it's a personal decision, is there advice around ways to, you know, put contributions in that's gonna sort of maximize, like, you know, sort of things in terms of my wages day to 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it's appropriate for you at the time.","start":1235.3301,"end":1243.875,"sentiment":"neutral","sentiment_score":0.05936422828282859}],"sentiment":"neutral","sentiment_score":0.03428060159323707,"channel":0,"num_words":63,"start":1229.01,"end":1243.875},{"sentences":[{"text":"Okay.","start":1244.2849,"end":1244.6849,"sentiment":"neutral","sentiment_score":0.21408291161060333},{"text":"I'm fine.","start":1244.6849,"end":1245.245,"sentiment":"positive","sentiment_score":0.35824669897556305},{"text":"I'm happy","start":1245.245,"end":1245.645,"sentiment":"positive","sentiment_score":0.6688694953918457}],"sentiment":"positive","sentiment_score":0.4536630600690842,"channel":1,"num_words":5,"start":1244.2849,"end":1245.645},{"sentences":[{"text":"Yep.","start":1245.375,"end":1245.875,"sentiment":"positive","sentiment_score":0.47648629546165466}],"sentiment":"positive","sentiment_score":0.47648629546165466,"channel":0,"num_words":1,"start":1245.375,"end":1245.875},{"sentences":[{"text":"with 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you need it, you can't access it.","start":1308.135,"end":1314.59,"sentiment":"neutral","sentiment_score":-0.10211688102710814},{"text":"It's locked in in superannuation.","start":1314.59,"end":1315.81,"sentiment":"neutral","sentiment_score":-0.05277574770152569},{"text":"But the good thing with it is that it obviously contributes to your retirement and your superannuation, so that is fantastic.","start":1316.43,"end":1323.365,"sentiment":"positive","sentiment_score":0.6150690260387602},{"text":"And the other really good thing as well is that contributions going into superannuation is only taxed at 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contribution.","start":1359.265,"end":1361.845,"sentiment":"neutral","sentiment_score":0.20891943408383262},{"text":"So that's obviously telling your employer.","start":1361.985,"end":1363.765,"sentiment":"neutral","sentiment_score":0.08680534362792969}],"sentiment":"neutral","sentiment_score":0.16958496355348163,"channel":0,"num_words":45,"start":1351.46,"end":1363.765},{"sentences":[{"text":"Is that how you did it before?","start":1363.8251,"end":1365.24,"sentiment":"neutral","sentiment_score":0.03433451269354139}],"sentiment":"neutral","sentiment_score":0.03433451269354139,"channel":0,"num_words":7,"start":1363.8251,"end":1365.24},{"sentences":[{"text":"Yeah.","start":1366.2,"end":1366.5199,"sentiment":"neutral","sentiment_score":0.06273835152387619},{"text":"They well, it was, like, years ago, and I didn't put much in.","start":1366.5199,"end":1369.88,"sentiment":"neutral","sentiment_score":0.018481170042203024},{"text":"Like, it 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something.","start":1370.9199,"end":1373.0199,"sentiment":"neutral","sentiment_score":-0.00992652983404696},{"text":"They would just take it out pretax, and then I","start":1373.72,"end":1378.0851,"sentiment":"neutral","sentiment_score":0.020759576931595802}],"sentiment":"neutral","sentiment_score":0.0071213072579767965,"channel":1,"num_words":18,"start":1370.9199,"end":1378.0851},{"sentences":[{"text":"Yes.","start":1378.0199,"end":1378.245,"sentiment":"neutral","sentiment_score":0.059022173285484314}],"sentiment":"neutral","sentiment_score":0.059022173285484314,"channel":0,"num_words":1,"start":1378.0199,"end":1378.245},{"sentences":[{"text":"think my taxes then worked out afterwards.","start":1378.0851,"end":1380.265,"sentiment":"neutral","sentiment_score":0.04197832888790539}],"sentiment":"neutral","sentiment_score":0.04197832888790539,"channel":1,"num_words":7,"start":1378.0851,"end":1380.265},{"sentences":[{"text":"Yes.","start":1380.805,"end":1381.205,"sentiment":"neutral","sentiment_score":0.1651429682970047},{"text":"Exactly.","start":1381.205,"end":1381.6849,"sentiment":"neutral","sentiment_score":0.3211134076118469},{"text":"So that's how most people would do it because it comes out pretty regularly.","start":1381.6849,"end":1384.965,"sentiment":"positive","sentiment_score":0.4947321670395987},{"text":"So, obviously, depending on how your employer pays pay paid, whether that is, you know, weekly or monthly or quarterly.","start":1384.965,"end":1391.55,"sentiment":"neutral","sentiment_score":0.32578943744301797},{"text":"It will then kind of be your regular contribution going into superannuation pretax.","start":1392.0901,"end":1397.31,"sentiment":"positive","sentiment_score":0.47267176096255964}],"sentiment":"positive","sentiment_score":0.4096536399150381,"channel":0,"num_words":49,"start":1380.805,"end":1397.31},{"sentences":[{"text":"So, obviously, you save the tax because it's before tax money instead reduces your taxable income, so that is great.","start":1398.41,"end":1404.575,"sentiment":"positive","sentiment_score":0.61866514980793},{"text":"The other good thing with doing it as a salary sacrifice is because you are making the regular contributions, which then takes advantage of kind of, you know, dollar cost averaging into super, sorry, that the up and down of the market.","start":1404.635,"end":1416.735,"sentiment":"positive","sentiment_score":0.5586570763871783},{"text":"Sometimes you're making contributions.","start":1416.95,"end":1418.01,"sentiment":"positive","sentiment_score":0.3883749023079872},{"text":"The prices might be a little bit higher, other times a little bit lower, but it kind of smooths that out for you by doing the regular contribution.","start":1418.39,"end":1424.73,"sentiment":"positive","sentiment_score":0.4363312077309404},{"text":"The other way you can do it is if you don't wanna do it with employer and you just wanna it ad hoc yourself, you can still do that.","start":1426.15,"end":1432.615,"sentiment":"neutral","sentiment_score":0.3022897680257929}],"sentiment":"positive","sentiment_score":0.4745859910802143,"channel":0,"num_words":123,"start":1398.41,"end":1432.615},{"sentences":[{"text":"Obviously, it would be after tax money.","start":1432.755,"end":1434.915,"sentiment":"neutral","sentiment_score":0.15659034145729883},{"text":"So let's say you have a little bit of money in your bank account and you wanna put that into super, you can definitely do so.","start":1434.915,"end":1440.355,"sentiment":"positive","sentiment_score":0.3699119399086787},{"text":"But because that is an after tax, what we can do for you that if you have space to do so, we can then help you claim a notice of intent before the end of the financial year, which you then basically change the contribution from after tax to pretax into if that makes sense.","start":1440.355,"end":1458.155,"sentiment":"neutral","sentiment_score":0.27462507567622446}],"sentiment":"neutral","sentiment_score":0.29338888625021686,"channel":0,"num_words":88,"start":1432.755,"end":1458.155},{"sentences":[{"text":"Yeah.","start":1458.67,"end":1459.17,"sentiment":"neutral","sentiment_score":0.19228056073188785}],"sentiment":"neutral","sentiment_score":0.19228056073188785,"channel":1,"num_words":1,"start":1458.67,"end":1459.17},{"sentences":[{"text":"So the the biggest thing to remember is the contribution cap of pretax, which is 30,000 at the moment, and that includes your employer contribution.","start":1460.135,"end":1470.9551,"sentiment":"neutral","sentiment_score":0.1538134205341339},{"text":"So you definitely","start":1471.5751,"end":1472.395,"sentiment":"neutral","sentiment_score":0.3027632037798564}],"sentiment":"neutral","sentiment_score":0.1697723258818899,"channel":0,"num_words":28,"start":1460.135,"end":1472.395},{"sentences":[{"text":"Okay.","start":1471.995,"end":1472.495,"sentiment":"neutral","sentiment_score":0.26964738965034485}],"sentiment":"neutral","sentiment_score":0.26964738965034485,"channel":1,"num_words":1,"start":1471.995,"end":1472.495},{"sentences":[{"text":"have a a bit of space if you want to obviously do the pretax.","start":1472.7,"end":1475.5,"sentiment":"neutral","sentiment_score":0.22951860619442804},{"text":"That's why most people do it.","start":1475.5,"end":1477.36,"sentiment":"neutral","sentiment_score":0.24643073976039886},{"text":"Some people, as you get, you know, older in in life and stuff like that, they do it after tax anyway because they still wanna boost the super, but most younger clients would do it for the tax advantage by also boosting your superannuation.","start":1477.58,"end":1489.015,"sentiment":"neutral","sentiment_score":0.2854015919464556}],"sentiment":"neutral","sentiment_score":0.2695236714207567,"channel":0,"num_words":64,"start":1472.7,"end":1489.015},{"sentences":[{"text":"And if I wanted to organize that, do I just speak to my employer about doing and what's it called?","start":1490.035,"end":1494.515,"sentiment":"neutral","sentiment_score":0.14135777167975902},{"text":"Salary sacrifice?","start":1494.515,"end":1495.495,"sentiment":"neutral","sentiment_score":0.04869268462061882},{"text":"Is 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can","start":1497.075,"end":1497.715,"sentiment":"neutral","sentiment_score":0.13333162665367126}],"sentiment":"neutral","sentiment_score":0.11826779991388321,"channel":0,"num_words":5,"start":1496.195,"end":1497.715},{"sentences":[{"text":"Yes.","start":1497.715,"end":1498.215,"sentiment":"neutral","sentiment_score":0.1881061494350433}],"sentiment":"neutral","sentiment_score":0.1881061494350433,"channel":1,"num_words":1,"start":1497.715,"end":1498.215},{"sentences":[{"text":"either you can either just call or, obviously, let your employee know that this is how much you want to do, or I can also get the team to draft up a letter for you to say, hey.","start":1497.715,"end":1506.9299,"sentiment":"neutral","sentiment_score":0.24493482395222313},{"text":"I would like to start salary sacrificing this amount, and then you can just forward that onto your employer.","start":1506.9299,"end":1511.11,"sentiment":"neutral","sentiment_score":0.2402857565566113}],"sentiment":"neutral","sentiment_score":0.2433851348203525,"channel":0,"num_words":57,"start":1497.715,"end":1511.11},{"sentences":[{"text":"Okay.","start":1511.8799,"end":1512.3799,"sentiment":"neutral","sentiment_score":0.2379044145345688}],"sentiment":"neutral","sentiment_score":0.2379044145345688,"channel":1,"num_words":1,"start":1511.8799,"end":1512.3799},{"sentences":[{"text":"Either way, whatever works for you.","start":1512.0499,"end":1512.417,"sentiment":"neutral","sentiment_score":0.28122170517841977},{"text":"But, yeah, that would be through your employer.","start":1512.417,"end":1512.4923,"sentiment":"neutral","sentiment_score":0.20761321485042572},{"text":"If you wanna do, like, the works for you.","start":1512.4923,"end":1514.675,"sentiment":"neutral","sentiment_score":0.2663775218857659},{"text":"But, yeah, that would be through your 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pretty good with my my savings.","start":1555.56,"end":1558.2001,"sentiment":"positive","sentiment_score":0.7349517047405243},{"text":"I can still keep up.","start":1558.2001,"end":1559.42,"sentiment":"positive","sentiment_score":0.5931029200553894},{"text":"Actually,","start":1559.64,"end":1560.1201,"sentiment":"neutral","sentiment_score":0.21309511363506317}],"sentiment":"neutral","sentiment_score":0.312313024718792,"channel":0,"num_words":39,"start":1550.795,"end":1560.1201},{"sentences":[{"text":"Yes.","start":1559.7549,"end":1560.2549,"sentiment":"neutral","sentiment_score":0.252581387758255}],"sentiment":"neutral","sentiment_score":0.252581387758255,"channel":1,"num_words":1,"start":1559.7549,"end":1560.2549},{"sentences":[{"text":"maybe I can put a little bit more in.","start":1560.1201,"end":1561.8,"sentiment":"neutral","sentiment_score":0.1862383617295159},{"text":"You can just tell your employer to change 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30,000.","start":1569.135,"end":1571.635,"sentiment":"neutral","sentiment_score":0.11139811846342954},{"text":"And if it is that you come across a lump sum that you wanna put in for some reason, just give me a call or call because then I can always work the numbers.","start":1571.935,"end":1580.3351,"sentiment":"neutral","sentiment_score":0.12301983728128321},{"text":"And there is a way as well that if you have unused cap space from previous years that you can kind of forward some of that and use it.","start":1580.3351,"end":1588.18,"sentiment":"neutral","sentiment_score":0.17670576377161618},{"text":"So if, you know, there's ever a situation where you do come across a bit of a lump sum and you go, you know what?","start":1588.18,"end":1593.14,"sentiment":"neutral","sentiment_score":0.04857674092054367},{"text":"I wanna put a bit in super, but I would like to do it, you know, before technically, if I 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a requirement that they have to offer it, but it's","start":1620.02,"end":1623.62,"sentiment":"neutral","sentiment_score":0.035928938227395214}],"sentiment":"neutral","sentiment_score":0.02351517581634901,"channel":0,"num_words":22,"start":1615.7,"end":1623.62},{"sentences":[{"text":"Yes.","start":1623.52,"end":1624.02,"sentiment":"neutral","sentiment_score":0.04392658546566963}],"sentiment":"neutral","sentiment_score":0.04392658546566963,"channel":1,"num_words":1,"start":1623.52,"end":1624.02},{"sentences":[{"text":"very, very few employers who don't.","start":1623.62,"end":1626.04,"sentiment":"neutral","sentiment_score":-0.1304567058881124},{"text":"And the only ones I've kind of come across who don't do it is if it's a really, really small business and, like, the accounting stuff is not super sophisticated, 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can.","start":1875.99,"end":1878.33,"sentiment":"neutral","sentiment_score":0.13363420383797753}],"sentiment":"neutral","sentiment_score":-0.12867856305092573,"channel":1,"num_words":28,"start":1872.465,"end":1878.33},{"sentences":[{"text":"Yeah.","start":1878.125,"end":1878.285,"sentiment":"neutral","sentiment_score":0.06932497024536133},{"text":"Yeah.","start":1878.285,"end":1878.785,"sentiment":"neutral","sentiment_score":-0.015738142654299736},{"text":"I well, especially, you know, it's part of the ongoing service.","start":1878.845,"end":1881.245,"sentiment":"neutral","sentiment_score":0.22587151960893112},{"text":"So I think you spoke to my under review my my colleague, sorry, Dana, last year.","start":1881.245,"end":1885.565,"sentiment":"neutral","sentiment_score":0.12743861391209066},{"text":"So I'll have a look at that cash flow and 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Leah.","start":2622.82,"end":2623.6401,"sentiment":"positive","sentiment_score":0.6075546741485596}],"sentiment":"positive","sentiment_score":0.4186955876648426,"channel":0,"num_words":8,"start":2621.3801,"end":2623.6401},{"sentences":[{"text":"Thank","start":2624.093,"end":2624.413,"sentiment":"positive","sentiment_score":0.5190682411193848}],"sentiment":"positive","sentiment_score":0.5190682411193848,"channel":1,"num_words":1,"start":2624.093,"end":2624.413},{"sentences":[{"text":"Okay.","start":2624.1802,"end":2624.6802,"sentiment":"positive","sentiment_score":0.4399911165237427}],"sentiment":"positive","sentiment_score":0.4399911165237427,"channel":0,"num_words":1,"start":2624.1802,"end":2624.6802},{"sentences":[{"text":"you.","start":2624.413,"end":2624.813,"sentiment":"positive","sentiment_score":0.4515040516853333},{"text":"Bye.","start":2624.813,"end":2625.313,"sentiment":"neutral","sentiment_score":0.3207438588142395}],"sentiment":"positive","sentiment_score":0.3861239552497864,"channel":1,"num_words":2,"start":2624.413,"end":2625.313},{"sentences":[{"text":"Bye.","start":2625.22,"end":2625.72,"sentiment":"neutral","sentiment_score":-0.0950508862733841}],"sentiment":"neutral","sentiment_score":-0.0950508862733841,"channel":0,"num_words":1,"start":2625.22,"end":2625.72}]},"summary":{"result":"success","short":"Representatives from Oakview Financial call customers to confirm personal information and discuss annual reviews with advisers. They provide advice on managing money, insurance coverage, and home insurance. The agents explain the benefits of their insurance policies and offer advice on managing retirement goals and income for optimal returns. They also explain the process for changing policies and offer assistance for anyone interested in making contributions. The agents provide information on personal investments and explain fees associated with ongoing service agreements. They also offer to generate reports and pass on referral programs."},"intents":{"segments":[{"text":"I had you booked in for a little bit of a catch up. Is now still a good time for you? Yep. Yes. Okay.","start_word":28,"end_word":51,"intents":[{"intent":"Confirm availability","confidence_score":0.11933769}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and then address for me, please?","start_word":87,"end_word":113,"intents":[{"intent":"Confirm identity","confidence_score":0.23488292},{"intent":"Ask about personal information","confidence_score":0.0000040051627},{"intent":"Confirm identity","confidence_score":0.43961003}]},{"text":"Thank you so much for that. And how's your day been so far? I've been busy? Yeah. Just busy with Yeah. work. Okay. Well, I will try my best not to keep you for too long. Okay.","start_word":134,"end_word":170,"intents":[{"intent":"Say goodbye","confidence_score":0.0011773887}]},{"text":"I have a signature request, and I don't know what they're asking me to sign. It's got annual review pad, PSN, OptiInform, and OSA. Yeah.","start_word":778,"end_word":802,"intents":[{"intent":"Request signature request","confidence_score":0.04801766}]},{"text":"So definitely pass on that feedback if, yeah, if it wasn't really gone through in a in, you know, a lot of detail with you.","start_word":854,"end_word":878,"intents":[{"intent":"Pass on feedback","confidence_score":0.60758644}]},{"text":"Is it super insurance summary? That would be it.","start_word":879,"end_word":887,"intents":[{"intent":"Inform about insurance coverage","confidence_score":0.000045952667}]},{"text":"So as you can see there, when your document was prepared on the second of Feb, your super Yep. balance in Hub 24 was around 109,681. Is that something Yeah.","start_word":937,"end_word":966,"intents":[{"intent":"Prepare document","confidence_score":0.16575642}]},{"text":"you kind of keep an eye on a bit? Are you in, you know, Hub 24? I'd have and you have the app on your phone as well? Yeah.","start_word":967,"end_word":995,"intents":[{"intent":"Confirm identity","confidence_score":0.046280485}]},{"text":"I'd have and you have the app on your phone as well? Yeah.","start_word":983,"end_word":995,"intents":[{"intent":"Confirm availability of insurance app","confidence_score":0.00002934867}]},{"text":"So you don't pay for those out of pocket So is that how much I pay, what, per year for per year.","start_word":1375,"end_word":1396,"intents":[{"intent":"Confirm payment plan","confidence_score":0.002194794}]},{"text":"And is that comparable? Like, is that a competitive rate?","start_word":1405,"end_word":1414,"intents":[{"intent":"Determine competitive rate","confidence_score":0.00035070436}]},{"text":"The policies taken out before 2021 had a lot of grandfather benefits that are really good and exclude inclusive that new policies do not have. Right.","start_word":1476,"end_word":1501,"intents":[{"intent":"Explain policy changes","confidence_score":0.045491245},{"intent":"Explain policy changes","confidence_score":0.004924462}]},{"text":"a lot of other built in inclusions, so it is very comprehensive. And, typically, the reason why they phased them out was because insurances were paying them out so much, so they were kind of going backwards. So they Yes.","start_word":1632,"end_word":1671,"intents":[{"intent":"Removing older policies","confidence_score":0.0002693518}]},{"text":"that you would lose those older benefits. Yep.","start_word":1777,"end_word":1784,"intents":[{"intent":"Evaluate investment benefits","confidence_score":0.00066280627}]},{"text":"basically, it breaks down a little bit more information about the policy there for you. It's basically what was outlined in the summary, but it just gives you a little bit more in-depth for you just so you have it. But it basically just tells you that, you know, it's paid and up to date. But, otherwise, that's what that one is.","start_word":1845,"end_word":1906,"intents":[{"intent":"Discuss policy details","confidence_score":0.00026043432}]},{"text":"The the will information is just some general information in regards to a will if it is something that you are interested in. And the the IRR 24.","start_word":1907,"end_word":1934,"intents":[{"intent":"Provide information","confidence_score":0.15238093},{"intent":"Provide information","confidence_score":0.0027669545}]},{"text":"that one is the one that shows you the portfolio. So that one here, it gives you just, like, a twelve month breakdown. So from the twenty fourth of Jan through the twenty third of Jan.","start_word":1938,"end_word":1973,"intents":[{"intent":"Discuss portfolio breakdown","confidence_score":0.034280367},{"intent":"Explain portfolio changes","confidence_score":0.010887078}]},{"text":"Your portfolio has still gone up by 7.53%, which is actually pretty good given what's also happened, you know, in the world lately and the market fluctuations and everything like that, especially with The US.","start_word":2210,"end_word":2244,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.027188327}]},{"text":"yes, if you ETF, invest I'm just wondering if I can, like, buy in shares myself, like or gold. just earn a super.","start_word":2558,"end_word":2580,"intents":[{"intent":"Explore investment options","confidence_score":0.03385809}]},{"text":"it depends what your goals are by the time you retire. So, typically, it's like, okay. Well, by the time you retire, how much do you want to achieve?","start_word":2892,"end_word":2920,"intents":[{"intent":"Assess retirement goals","confidence_score":0.040186882}]},{"text":"And the way that, obviously, we do have your portfolio construction, trying to maximize that, that, you're definitely, you know, doing the right thing to kinda get you through where your retirement goals needs to be as soon as you can as well.","start_word":3187,"end_word":3229,"intents":[{"intent":"Maximize portfolio","confidence_score":0.50463694}]},{"text":"So I have two Does follow-up that make questions. sense? Yeah. Yeah.","start_word":3259,"end_word":3270,"intents":[{"intent":"Follow-up","confidence_score":0.8214399}]},{"text":"One question is is is Hub 24 still where I should stay? Because I don't care about whatever company is going Yep. to, like, Yep. just wherever it's gonna get me the best returns. Yep.","start_word":3278,"end_word":3312,"intents":[{"intent":"Ask about huawei's future","confidence_score":0.00001878618}]},{"text":"And the second question is, should I be contributing? And if it's a personal decision, is there advice around ways to, you know, put contributions in that's gonna sort of maximize, like, you know, sort of things in terms of my wages day to day. Yeah.","start_word":3313,"end_word":3358,"intents":[{"intent":"Ask about personal decision","confidence_score":0.032786686},{"intent":"Provide advice on contributing","confidence_score":0.00016357691}]},{"text":"But aside from that, I use hub twenty four personally for my superannuation. Mhmm.","start_word":3414,"end_word":3427,"intents":[{"intent":"Use huawei's service","confidence_score":0.002200234}]},{"text":"comparing similar options like Macquarie and Netwealth, the more sophisticated platforms that can allow you the same investment options that Hub twenty four, Hub twenty four tends to come out with very competitive when it comes to the fee. Fee.","start_word":3473,"end_word":3512,"intents":[{"intent":"Compare huawei's fees and features","confidence_score":0.020908136},{"intent":"Utilize huawei's options","confidence_score":0.0030374646},{"intent":"Express interest in huawei and netwealth platforms","confidence_score":0.000012070594}]},{"text":"If there's, like, a new option that comes out that's going to be cheaper and give you more, then we will, you know, recommend to move you if it if it's appropriate for you at the time. Okay.","start_word":3561,"end_word":3598,"intents":[{"intent":"Recommend moving","confidence_score":0.33043617}]},{"text":"I have this amount of weight in savings that I'm willing to put in, and then we Mhmm. would then work out, okay. Well, if you you know, like, I think I have here that you save about $250 a week.","start_word":3653,"end_word":3693,"intents":[{"intent":"Provide savings","confidence_score":0.021810533}]},{"text":"That is typically turning 60 and retiring or 65 if you're still working. So that's the downside is, obviously, it gets locked in onto so if if you need it, you can't access it. It's locked in in superannuation. But the good thing with it is that it obviously contributes to your retirement and your superannuation, so that is fantastic.","start_word":3766,"end_word":3825,"intents":[{"intent":"Discuss retirement contributions","confidence_score":0.00095765234}]},{"text":"I've contributed Yep. before, but I can Yes. stop contributing if I want to. You can start tomorrow and stop two days' time because Yes. it's it's you your choice. It's different of the employer contributions. It is a requirement that they have to do it, but you can you can contribute in different ways. So you can do, like, a salary sacrifice contribution.","start_word":3880,"end_word":3943,"intents":[{"intent":"Organize contributions","confidence_score":0.0025841333}]},{"text":"But because that is an after tax, what we can do for you that if you have space to do so, we can then help you claim a notice of intent before the end of the financial year, which you then basically change the contribution from after tax to pretax into if that makes sense. Yeah.","start_word":4209,"end_word":4264,"intents":[{"intent":"Change contributions with pretax","confidence_score":0.000004898994}]},{"text":"Well, I'm I'm doing pretty good with my my savings. I can still keep up.","start_word":4625,"end_word":4639,"intents":[{"intent":"Share savings and options","confidence_score":0.00039703934}]},{"text":"maybe I can put a little bit more in. You can just tell your employer to change it. Like, it it's not like that's like, your other employer contributions. You can change it. The only Yes.","start_word":4642,"end_word":4677,"intents":[{"intent":"Move in","confidence_score":0.0001027223}]},{"text":"Does the salary sacrifice work for anything else or just super?","start_word":4828,"end_word":4838,"intents":[{"intent":"Use extra","confidence_score":0.0011480285},{"intent":"Ask about salary sacrifice","confidence_score":0.031074863}]},{"text":"Does the salary sacrifice work for anything else or just super? I don't see It yeah. So it is a very salary. question. It is under each employer. Sorry.","start_word":4828,"end_word":4856,"intents":[{"intent":"Confirm understanding","confidence_score":0.005203974}]},{"text":"But, otherwise, most most employers do offer salary sacrifice. There are other employers, and they tend to be more for government jobs or sometimes nursing and and stuff like that. Jobs or sometimes nursing and and stuff like that where they offer salary sacrifice in different areas.","start_word":4925,"end_word":4971,"intents":[{"intent":"Provide information about salary sacrifice options","confidence_score":0.00097060256}]},{"text":"Like I said, I I did send in that that budget thing just to see Yep. if there is any advice around how if we could manage our audit budget better, Right.","start_word":5608,"end_word":5639,"intents":[{"intent":"Evaluate budgeting","confidence_score":0.0012347794}]},{"text":"But definitely it's something we can do to have a bit of a review at and see if we can make any changes.","start_word":5713,"end_word":5735,"intents":[{"intent":"Make changes","confidence_score":0.577738}]},{"text":"So whether that would be that's typically, like, if you want us to manage it.","start_word":5792,"end_word":5806,"intents":[{"intent":"Manage portfolio","confidence_score":0.20733365}]},{"text":"Let's say you want to look at some investments and you just want a bit more research materials and and stuff like that, because we have access to all the research houses, I can very easily generate reports for you.","start_word":5878,"end_word":5917,"intents":[{"intent":"Generate reports","confidence_score":0.3116188}]},{"text":"So if you go, hey. I'm looking at doing, you know, this portfolio. What would that look like?","start_word":5918,"end_word":5935,"intents":[{"intent":"Review portfolio","confidence_score":0.4481199}]},{"text":"So you can always just send me an email if it's something that you you want some research so you can kind of have a look at things for you before doing it. That is perfectly fine. Sorry.","start_word":6038,"end_word":6075,"intents":[{"intent":"Gather information","confidence_score":0.001610305}]},{"text":"A lot of the investment accounts do require about 20,000 as a deposit. You then have investment bonds, which is a different form of investing where you have you heard much about it before? Investment Look.","start_word":6414,"end_word":6449,"intents":[{"intent":"Clarify investments","confidence_score":0.00023688939}]},{"text":"Most of your Comtech and other platforms, they don't really have a a minimum or it's a lot lower. So you can definitely do, like, a thousand and stuff like that. But because it's it's not it's a different kind of platform, we wouldn't be able to manage that for you. Yep.","start_word":6815,"end_word":6866,"intents":[{"intent":"Manage investing","confidence_score":0.0023319128}]},{"text":"I know here as well that we have you booked down to do quarterly review reviews moving forward as well to give a bit more communication.","start_word":6930,"end_word":6955,"intents":[{"intent":"Conduct quarterly review","confidence_score":0.08524888}]},{"text":"And the last thing I was going to ask as well is your mortgage and stuff like that. When was the last time you guys had a refinance? Do you know? Yeah.","start_word":6998,"end_word":7029,"intents":[{"intent":"Ask about mortgage refinance","confidence_score":0.0035524191}]},{"text":"I haven't done a full refinance yet because of the way interest rates have been going.","start_word":7048,"end_word":7063,"intents":[{"intent":"Ask about interest rate changes","confidence_score":0.00010234982}]},{"text":"Because that sometimes as well can obviously speed things up a little bit by doing it weekly, so that's good. But if it is something that you are interested in, I can always get a mortgage broker to give you a call if you would like a bit of a review of your mortgage Yes.","start_word":7239,"end_word":7293,"intents":[{"intent":"Schedule mortgage review","confidence_score":0.08721517}]},{"text":"And, you know, if you do get through, you want us to review your personal investments a little bit more as well. If you have Mhmm.","start_word":7498,"end_word":7523,"intents":[{"intent":"Review investments","confidence_score":0.30246484}]},{"text":"And in I just want to follow-up different with the budget, like, the thing that I feel well, I don't remember if things. I've got it whenever I can do a new one, but just the budget stuff. Yep.","start_word":7549,"end_word":7587,"intents":[{"intent":"Follow-up","confidence_score":0.013690218}]},{"text":"I will check-in with my my colleague who you would have done that with and see, but I can schedule you in any way for a follow-up in regards to that now while I have you on the phone if you would like just so Yep. it's all scheduled in there for you. Yep.","start_word":7590,"end_word":7643,"intents":[{"intent":"Schedule follow-up","confidence_score":0.29723898}]},{"text":"else we can restructure for you. Perfect.","start_word":7755,"end_word":7761,"intents":[{"intent":"Restructure budgeting","confidence_score":0.009312639}]}]},"sentiments":{"segments":[{"text":"Hi. This is Hello? Good afternoon. Is this Leah? Leah? Yes? Yeah. This is Veronica from Oakview Financial. How are you this afternoon?","start_word":0,"end_word":22,"sentiment":"neutral","sentiment_score":0.134539857506752},{"text":"Good. Thank you. That's good. I had you booked in for a little bit of a catch up.","start_word":23,"end_word":40,"sentiment":"positive","sentiment_score":0.4626542031764984},{"text":"Is now still a good time for you? Yep. Yes. Okay.","start_word":41,"end_word":51,"sentiment":"neutral","sentiment_score":0.23623567819595337},{"text":"Perfect.","start_word":52,"end_word":52,"sentiment":"positive","sentiment_score":0.42820674180984497},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and then address for me, please? 38 O'Leary Way, Miami Way, Victoria. Yep. Perfect. And just your date of birth as well, please? 07/1989. Yep.","start_word":53,"end_word":132,"sentiment":"neutral","sentiment_score":0.08029957115650177},{"text":"Perfect. Thank you so much for that.","start_word":133,"end_word":139,"sentiment":"positive","sentiment_score":0.5201495289802551},{"text":"And how's your day been so far? I've been busy? Yeah. Just busy with Yeah. work. Okay. Well, I will try my best not to keep you for too long. Okay. Essentially, I did have you booked in for a bit of a catch up as I believe you had your annual review with my colleague, Michelle, a couple of weeks ago, and you had a couple of questions that you wanted to go through in a bit more detail. Is that right? I I was. I thought I was looking at Kyle. He I had him booked in with me, but if your preference is through speak to Carl, then I can definitely see if he is available. Have you spoken to him before? No. I just that's what I got told that I was booking with Kyle. Because I even spoke to Maddie yesterday, and she said, oh, you're booking with Kyle tomorrow. Okay. Yeah. No. Maybe there was a bit of a a mix up there, but I had you booked in So with myself I if you're happy was to still like, do that. okay. If you're, like, qualified to answer the question, that's fine.","start_word":140,"end_word":338,"sentiment":"neutral","sentiment_score":-0.0022916540037840605},{"text":"Because the last person I spoke to said kept saying she's not qualified to answer anything. So Yeah. I I wasn't am one able of the to really advisers here.","start_word":339,"end_word":368,"sentiment":"negative","sentiment_score":-0.4934217035770416},{"text":"yeah. Okay. Yeah. That's fine then. Yeah. Yeah. Okay.","start_word":369,"end_word":377,"sentiment":"neutral","sentiment_score":0.13114775717258453},{"text":"Perfect.","start_word":378,"end_word":378,"sentiment":"positive","sentiment_score":0.5355651378631592},{"text":"And, yeah, sorry about the mix up there there for you. Like Okay.","start_word":379,"end_word":391,"sentiment":"neutral","sentiment_score":0.10655689239501952},{"text":"I said, if you do if you do prefer to speak to him, that is perfectly fine. I can always get you booked in with him as well.","start_word":392,"end_word":419,"sentiment":"positive","sentiment_score":0.4013157784938812},{"text":"He's also one of our advisers here, but but so am I. So, yeah, it's up up to you. Yes. Yes. I am. Yeah. Sorry. Yeah. I know you did the interview with Michelle, and she is, yeah, one of the admin staff here. And, yeah, there's probably there was a few things in regards to advice. She may not have been able to assist you, but, yeah, hopefully, I can address all those questions for you today. Sure. Was there anything specific that you had that you wanted to go over? Hopefully, they took notes because it was, like, over three weeks ago when I spoke to her, so I can't remember. Let me see here. I I just have here that you wanted to talk about insurances, I'm trying to just in general, and maybe you wanted a mortgage review with the broker. Does that ring a bell? I don't remember anything about incentives. I was asking questions about my super to see Okay. if it was performing, like, like, as expected. Yep. I don't have quest I don't recall giving me anything to do with insurance. Okay. I was asked her advice how to utilize all my because I had sent through a copy of, like, I filled in a budget thing at some, Yes. like, spreadsheet, and then no one ever got back to me. Okay. Yep. So I was asking Yep. about that better ways, I guess, manage our money. But I wanted I did have questions around my super to K. see if it was Yep. performing as it should be. Yeah. And did you get the the email with all the attachments for your portfolio? Did you guys go through all that during the under review? Do you remember?","start_word":420,"end_word":715,"sentiment":"neutral","sentiment_score":0.020751225249212538},{"text":"No. No. She didn't Yep. go through any luck.","start_word":716,"end_word":724,"sentiment":"negative","sentiment_score":-0.4185844361782074},{"text":"Alright. Okay. Now let me see. Do you still have access through those documents at all?","start_word":725,"end_word":740,"sentiment":"neutral","sentiment_score":0.0975559577345848},{"text":"Or if not, I'll get it resent after the call today because it'll make it easier for you, obviously, if you can see those attachments as well and make sure you're happy with with all of that.","start_word":741,"end_word":777,"sentiment":"positive","sentiment_score":0.3452959954738617},{"text":"I have a signature request, and I don't know what they're asking me to sign. It's got annual review pad, PSN, OptiInform, and OSA. Yeah. So the annual review pack part of that one, there will be a couple of attachments.","start_word":778,"end_word":818,"sentiment":"neutral","sentiment_score":0.1105080470442772},{"text":"So if you can have a look at those attachments there, that will be something that I can I'm happy to go through with you today, especially if that wasn't really gone through last time.","start_word":819,"end_word":853,"sentiment":"positive","sentiment_score":0.4327136278152466},{"text":"So definitely pass on that feedback if, yeah, if it wasn't really gone through in a in, you know, a lot of detail with you. Is it super insurance summary? That would be it. I assume. Yep. So that will be the the first one there for you, which is just giving you a bit of a a rundown of your super and your insurances. Yep. So let me just open I that bought one up it. I couldn't for you. Yeah. Perfect. So as you can see there, when your document was prepared on the second of Feb, your super Yep. balance in Hub 24 was around 109,681. Is that something Yeah. you kind of keep an eye on a bit? Are you in, you know, Hub 24? I'd have and you have the app on your phone as well? Yeah. I do. Yeah. Yep. Yep.","start_word":854,"end_word":1000,"sentiment":"neutral","sentiment_score":0.11109346896409988},{"text":"Perfect.","start_word":1001,"end_word":1001,"sentiment":"positive","sentiment_score":0.5487384796142578},{"text":"And then you have your insurances with OnePath as well. So you have your life insurance. As you can see there, so that is just 1,516,854. And Yep. then you have your total permanent disability insurance. That is if you're totally and permanently disabled and unable to go back to work, that is 826,685. Yes.","start_word":1002,"end_word":1056,"sentiment":"neutral","sentiment_score":0.08413889719681307},{"text":"Are you quite happy with those amounts as well there for you?","start_word":1057,"end_word":1068,"sentiment":"positive","sentiment_score":0.4539104104042053},{"text":"I think so. What does death mean again? So that is if you were to pass away. So if something were to happen to you, yeah, that would then be left to your beneficiary, so who you're you've nominated on your account. Now let me look into Yes. your account as well just to make sure yeah. Let me just triple check. So that will be yeah. If something were to happen to you and you'd pass away, that would then be left along with your superannuation. Mhmm. And then, yeah, the the TPD is if you are, you know, if you have two doctors who sign on of the fact that you can never go back to work again, then that's that's kind of a lump sum payment paid out to cover you, obviously, because you are not able to go back to work. Yeah. Yep. Yeah. I do have here James listed at a 100%, and I have your non lapsing binding option nominated. Hello? What was that? Sorry? Sorry. It just sort of went near the phone. Are you there? No. Yep. Yeah. I can hear you. Can you hear me? Yeah. Yep. Perfect. So, yeah, we do have that in place, and then you also have your income protection. Now you have through still both with one pass, 3,292 per month and the other one of 2,383 per month, both with a ninety day waiting period. That would mean that you have to wait the ninety days until it would be paid out. And then you do have the benefit to the age of 70. Now you have all of that paid from within hub twenty four for you. Because of how it's structured, you do get a 15% tax rebate. And after the the rebate, it is $3,072 from your super. So you don't pay for those out of pocket So is that how much I pay, what, per year for per year. those Yes. insurances? For those three. Yes. Correct. And is that comparable? Like, is that a competitive rate? Because that's like a big chunk coming out of my super. Yeah.","start_word":1069,"end_word":1426,"sentiment":"neutral","sentiment_score":0.02856943661128509},{"text":"It is it is fairly competitive.","start_word":1427,"end_word":1432,"sentiment":"positive","sentiment_score":0.3787420988082886},{"text":"The the only thing is that it is a little bit more expensive than some potential new ones, and that is because you have an older policy. So a lot of the legislation and ruling around the insurances, they actually changed in 2021. The policies taken out before 2021 had a lot of grandfather benefits that are really good and exclude inclusive that new policies do not have. Right. So I remember he's explained this. He said it was better to keep this policy because there's a little bit there's extra stuff here. Is that right? exact exactly. Right. So if, like, for example, if we were to take out a new policy today, it might be a tiny bit cheaper, but you're not gonna have the same inclusion. So for example, today, you can't get an age 70 benefit. The max you can get is age 65. Right. Okay. Also, some of some of the one portion that was taken out before, I think it was in 2017 for you, that one covers up to 75% of your income. You can have covered any new policies taken out after 2021 if you only have 70%. And there's Okay. a lot of other built in inclusions, so it is very comprehensive. And, typically, the reason why they phased them out was because insurances were paying them out so much, so they were kind of going backwards. So they Yes. changed a lot of their inclusion. So Yes.","start_word":1433,"end_word":1679,"sentiment":"neutral","sentiment_score":0.0012150820111855865},{"text":"especially having an older policy, it is great, and it's still quite affordable for what you have. And Yes. as long as it's, you know, still growing your student, which it is, I do think that it is very affordable for what you have, especially given you do have that older policies, which for you is really good.","start_word":1680,"end_word":1737,"sentiment":"positive","sentiment_score":0.5398527383804321},{"text":"Okay. Cool. Yep. Now, obviously, if at any point in time you wanna change it, you know, just let us know. But, obviously, if we were to take out more cover or change it, it would mean Yeah.","start_word":1738,"end_word":1775,"sentiment":"neutral","sentiment_score":0.06225588545203209},{"text":"that you would lose those older benefits.","start_word":1776,"end_word":1782,"sentiment":"negative","sentiment_score":-0.6644898056983948},{"text":"Yep. Now if you then wanna go through the which is the next attachment there for you that you can see? So I've got gas single, first thing, fast wheels, parts, triple insurance, I mean, one plus COC, and Yep. have 24 IRR. Yeah. So the one part COC, that is just your certificate of currency for your insurances. So, Ah, okay. basically, it breaks down a little bit more information about the policy there for you. It's basically what was outlined in the summary, but it just gives you a little bit more in-depth for you just so you have it. But it basically just tells you that, you know, it's paid and up to date. But, otherwise, that's what that one is. The the will information is just some general information in regards to a will if it is something that you are interested in. And the the IRR 24. performance, yep, Yeah. that one is the one that shows you the portfolio. So that one here, it gives you just, like, a twelve month breakdown. So from the twenty fourth of Jan through the twenty third of Jan. Now it does look a little bit messy as you can see here because Yeah. I do believe that when you spoke to my colleague, Dana, last year for under review, she kind of readjusted the risk profile for you that you were Yep. originally in your high growth portfolio, but you were willing to kind of look at increasing that to an aggressive portfolio. Obviously, given the time frame until retirement, you do have plenty of time to take advantage of trying to maximize that growth for you, and you are comfortable to take on a bit more, you know, fluctuations in the short term in order to achieve that higher return in the long term. So that's why it does look a lot little bit messier because you can see your buying and selling of the individual investment. Yeah. So it does factor in that, which is why it looks a little bit messier. But, otherwise, if you go to page two on that document, that basically shows you a little bit more easier the changes. And the the biggest one is if you look on the second column to your right where it says the internal rate of return. So that one here Mhmm. shows that your portfolio is after fees, obviously, factoring in the changes and stuff like that and all fees in your account, so adviser fees and everything like that.","start_word":1783,"end_word":2209,"sentiment":"neutral","sentiment_score":0.0717528338262711},{"text":"Your portfolio has still gone up by 7.53%, which is actually pretty good given what's also happened, you know, in the world lately and the market fluctuations and everything like that, especially with The US. So it's Mhmm. definitely doing doing pretty good.","start_word":2210,"end_word":2252,"sentiment":"positive","sentiment_score":0.5467534065246582},{"text":"And I can see that, obviously, Dana switched you out on a couple of those investments into some better performing ones as well. So What that's is kind yeah. That's okay. sorry. I was wondering which of the investments sort of performed the best. Like, looking at the first page there, What Yep. was the highest return one? Yep. So your highest one is the 17.81. Now that is the one that has a q o zed, the beta shares Raffi Australia. You can see that one? I n t o s. Yep. Yes. Yeah. So that one is the one that's it basically invests in the 200 largest companies in Australia. But instead of it kind of being size, which is a lot of the investments just kind of follow an index based on the biggest companies based on size, they kind of do the research more on the fundamental measures of the company. So, like, they look at the sales and cash flow and book value instead. So it's a different way to truthing the investment that goes into it. They're still focusing on the Australian equity component. So that one was your the biggest performer, which is at 17.81 Okay. And that's the are the twelve months? percent. Yes. Actually, no. You had need a bigger one, which is a gold, which is a mortgage alternative investment, but that one actually went up at 52.4%, which is crazy. We've obviously seen a lot of things with with gold. So Gold. Yeah. yeah. So that's actually at 5252.4%. So when that does that mean buying actual, like, gold? It's more kind of a an option. So, obviously, instead of having physical gold, it's just via the air stock exchange. So you obviously Okay. don't have to, like, store the gold, but but, Yeah. yes, if you ETF, invest I'm just wondering if I can, like, buy in shares myself, like or gold. just earn a super. No.","start_word":2253,"end_word":2581,"sentiment":"neutral","sentiment_score":0.089894557841643},{"text":"You can definitely so the good thing with obviously, there's lots of different ways that you can buy shares yourself.","start_word":2582,"end_word":2601,"sentiment":"positive","sentiment_score":0.4017624855041504},{"text":"So Hub twenty four, they do have a personal investment account that you can do through Hub twenty four. There's a lot of different platforms that do it. Mhmm. You can obviously do your kind of trading accounts yourself as well. So some people use, like, Consec. Like, there's a lot of, you know, your your cheaper platforms if you just wanna do some investing yourself. And then, obviously, depending on what the investments are available on each platform, most of them tend to have basically everything that you can see in your Hub twenty four super account at the moment because that's obviously all listed there for you. You can access all of them on most platforms. And then other platforms, you can invest in other things as well that you can't do in superannuation. So if there are specific, you know, crypto investments or or other things that you are really interested in, you can get access to that on other platforms that may not be available in hub twenty four. But, basically, everything that you can see in your portfolio, most other platforms, if you wanna do personal investments, you can definitely access yourself. But then you can also invest in your direct shares and stuff like that as well if it's, you know, obviously something that you are interested in. But we mainly have you in your ETF because they're kind of your your low cost options. They're a little bit cheaper, but very diversified for you So is my has it grown like, isn't I super where it should be for my age? as well. It is a it is a very good question, and it is very hard to answer because it depends Mhmm. it depends what your goals are by the time you retire. So, typically, it's like, okay. Well, by the time you retire, how much do you want to achieve? Also, what's your income at the moment and where things are at? But if you want a bit more of a just a general based on your current age, this is where most people tend to sit. I can get that information for you if you just bear with me for a second. Yep. Okay. Because, yeah, there's a lot that goes into it, but sometimes people just want, like, okay. Well, you know, the the average person in my age, what would that typically look like? And Aetna does publish all of that as well of, you know, using all the statistics in Sorry. Let me see if I can find that for you. Okay. Okay. So, again, this Mhmm. is obviously just like a generalized information, what they say. But, basically, for, I guess, kind of, like, a key benchmark, if you round the 35 to 39 h, for women, it tend to sit at around 71 to 87,000.","start_word":2602,"end_word":3081,"sentiment":"neutral","sentiment_score":0.17057362059131265},{"text":"So you are obviously above that, which is great.","start_word":3082,"end_word":3090,"sentiment":"positive","sentiment_score":0.4880450963973999},{"text":"Again, obviously, it depends on, you know, how much between now and you retire, what's your contributions like, what's your income, what your insurances, and stuff like that. But if you're looking at an an average of, okay, well, where are most, you know, 37 year olds and, you know, between that 35 and 39, where do they typically sit? It's around. For for women, it's 71 to 87, and for men, it's about 90 to a 130.","start_word":3091,"end_word":3168,"sentiment":"neutral","sentiment_score":0.031161874532699585},{"text":"Okay. So you're definitely kind of doing good doing good on where you're at at the moment. And the way that, obviously, we do have your portfolio construction, trying to maximize that, that, you're definitely, you know, doing the right thing to kinda get you through where your retirement goals needs to be as soon as you can as well. Because, especially, the sooner you do it, then you take advantage of all the compounding and stuff like that, which, obviously, Yep.","start_word":3169,"end_word":3250,"sentiment":"positive","sentiment_score":0.5283885162051131},{"text":"with time, you know, changes things even more. So I have two Does follow-up that make questions. sense? Yeah. Yeah. It does. Of course. Yes. Yes. Sorry. One question is is is Hub 24 still where I should stay? Because I don't care about whatever company is going Yep. to, like, Yep. just wherever it's gonna get me the best returns. Yep. And the second question is, should I be contributing? And if it's a personal decision, is there advice around ways to, you know, put contributions in that's gonna sort of maximize, like, you know, sort of things in terms of my wages day to day. Yeah. So, yeah, there's definitely a truth to it. There is absolutely nothing tying us to Hub twenty four as well. Now, typically, for for me to tell you exactly, I think that you should stay with hub twenty four because that is Yep. personalized. I'll have to go and do the research on that. Yes. But aside from that, I use hub twenty four personally for my superannuation. Mhmm. I do research on Hub twenty four and similar competitors every single day. And, basically, most of them comes out with Hub twenty four is still very competitive when it comes to the the fees and Yes. feature options. So, typically, when we are Okay. comparing similar options like Macquarie and Netwealth, the more sophisticated platforms that can allow you the same investment options that Hub twenty four, Hub twenty four tends to come out with very competitive when it comes to the fee. Fee. So Yeah.","start_word":3251,"end_word":3514,"sentiment":"neutral","sentiment_score":0.15629005432128906},{"text":"Okay. they're they're still very good.","start_word":3515,"end_word":3520,"sentiment":"positive","sentiment_score":0.469218373298645},{"text":"And like I said, I use it as well, but it is something Yes. that we're always, you know, researching. Because like you said, as well, there's absolutely nothing tying us to Hub twenty four or any other super funds. If there's, like, a new option that comes out that's going to be cheaper and give you more, then we will, you know, recommend to move you if it if it's appropriate for you at the time. Okay.","start_word":3521,"end_word":3598,"sentiment":"neutral","sentiment_score":0.08033065540859333},{"text":"I'm fine. I'm happy Yep. with that.","start_word":3599,"end_word":3605,"sentiment":"positive","sentiment_score":0.497698038816452},{"text":"And with the making contributions into superannuation, there's two ways that typically people would do it. The first way is have you ever used a pay calculator? Yes. Hold on. Yes.","start_word":3606,"end_word":3636,"sentiment":"neutral","sentiment_score":0.07267154008150101},{"text":"Perfect.","start_word":3637,"end_word":3637,"sentiment":"positive","sentiment_score":0.3744427561759949},{"text":"So that is usually the first way because typically people would go go with, okay. I have this amount of weight in savings that I'm willing to put in, and then we Mhmm. would then work out, okay. Well, if you you know, like, I think I have here that you save about $250 a week. Is Don't worry, ma'am. But it doesn't typically get saved, but, yes, we've got a $5,250. that right? Yeah. So let's say, like, obviously, the first thing is making sure you have excess saving in order to make contributions into superannuation. That's the first thing. Because, obviously, it will be taken from your pretax money going into superannuation, and it will be locked in until you meet a condition of the lease. That is typically turning 60 and retiring or 65 if you're still working. So that's the downside is, obviously, it gets locked in onto so if if you need it, you can't access it. It's locked in in superannuation.","start_word":3638,"end_word":3804,"sentiment":"neutral","sentiment_score":0.07814853638410568},{"text":"But the good thing with it is that it obviously contributes to your retirement and your superannuation, so that is fantastic.","start_word":3805,"end_word":3825,"sentiment":"positive","sentiment_score":0.6145819425582886},{"text":"And the other really good thing as well is that contributions going into superannuation is only taxed at 15%. So And, obviously I can yeah. what was that? Sorry. I was gonna say I can stop contributing anytime though I want to. I know I can't Yes. get the money back. That's fine. Yes. I've contributed Yep. before, but I can Yes. stop contributing if I want to. You can start tomorrow and stop two days' time because Yes.","start_word":3826,"end_word":3904,"sentiment":"neutral","sentiment_score":0.04683363107563574},{"text":"it's it's you your choice.","start_word":3905,"end_word":3909,"sentiment":"positive","sentiment_score":0.3465327322483063},{"text":"It's different of the employer contributions. It is a requirement that they have to do it, but you can you can contribute in different ways. So you can do, like, a salary sacrifice contribution. So that's obviously telling your employer. Is that how you did it before? Yeah. They well, it was, like, years ago, and I didn't put much in. Like, it was, Mhmm. like, Mhmm. I don't know, $20 a week or something. They would just take it out pretax, and then I Yes. think my taxes then worked out afterwards. Yes. Exactly.","start_word":3910,"end_word":4004,"sentiment":"neutral","sentiment_score":0.07728853076696396},{"text":"So that's how most people would do it because it comes out pretty regularly.","start_word":4005,"end_word":4018,"sentiment":"positive","sentiment_score":0.4899341464042664},{"text":"So, obviously, depending on how your employer pays pay paid, whether that is, you know, weekly or monthly or quarterly.","start_word":4019,"end_word":4038,"sentiment":"neutral","sentiment_score":0.3292587101459503},{"text":"It will then kind of be your regular contribution going into superannuation pretax. So, obviously, you save the tax because it's before tax money instead reduces your taxable income, so that is great. The other good thing with doing it as a salary sacrifice is because you are making the regular contributions, which then takes advantage of kind of, you know, dollar cost averaging into super, sorry, that the up and down of the market. Sometimes you're making contributions. The prices might be a little bit higher, other times a little bit lower, but it kind of smooths that out for you by doing the regular contribution.","start_word":4039,"end_word":4145,"sentiment":"positive","sentiment_score":0.5139734745025635},{"text":"The other way you can do it is if you don't wanna do it with employer and you just wanna it ad hoc yourself, you can still do that. Obviously, it would be after tax money.","start_word":4146,"end_word":4181,"sentiment":"neutral","sentiment_score":0.2732720673084259},{"text":"So let's say you have a little bit of money in your bank account and you wanna put that into super, you can definitely do so.","start_word":4182,"end_word":4207,"sentiment":"positive","sentiment_score":0.38514021039009094},{"text":"But because that is an after tax, what we can do for you that if you have space to do so, we can then help you claim a notice of intent before the end of the financial year, which you then basically change the contribution from after tax to pretax into if that makes sense. Yeah. So the the biggest thing to remember is the contribution cap of pretax, which is 30,000 at the moment, and that includes your employer contribution. So you definitely Okay. have a a bit of space if you want to obviously do the pretax. That's why most people do it. Some people, as you get, you know, older in in life and stuff like that, they do it after tax anyway because they still wanna boost the super, but most younger clients would do it for the tax advantage by also boosting your superannuation. And if I wanted to organize that, do I just speak to my employer about doing and what's it called? Salary sacrifice? Is Salary that it? sacrifice. Yes. So we can either Yes. you can either just call or, obviously, let your employee know that this is how much you want to do, or I can also get the team to draft up a letter for you to say, hey. I would like to start salary sacrificing this amount, and then you can just forward that onto your employer. Okay. Either way, whatever works for you. But, yeah, that would be through your employer. If you wanna do, like, the works for you. But, yeah, that would be through your employer. If you wanna do, like, the ad hoc contributions after tax and then change it, you can just give us a call, and then we can send you the information on how to do that. Because I just looked up on the house pay calculator, and if I do Mhmm. $50 a fortnight, then I'm only Yeah. losing $18 a week or something. So, like, It's it doesn't really put my no. pay down very much. It's Yeah. pretty good, but then you look, obviously, boost that and the money's invested, which again will add to compounding. And it's something you can change whenever. So if your circumstances change and you go, oh, no. It actually makes a big difference. I need that money. Tell your employer that's offered. Or if you go, you know, if you start a little bit less and you go, oh, okay.","start_word":4208,"end_word":4624,"sentiment":"neutral","sentiment_score":0.18001877525441654},{"text":"Well, I'm I'm doing pretty good with my my savings. I can still keep up.","start_word":4625,"end_word":4639,"sentiment":"positive","sentiment_score":0.6785696744918823},{"text":"Actually, Yes. maybe I can put a little bit more in. You can just tell your employer to change it. Like, it it's not like that's like, your other employer contributions. You can change it. The only Yes. thing I would say, keep keep an eye on that 30,000. And if it is that you come across a lump sum that you wanna put in for some reason, just give me a call or call because then I can always work the numbers. And there is a way as well that if you have unused cap space from previous years that you can kind of forward some of that and use it. So if, you know, there's ever a situation where you do come across a bit of a lump sum and you go, you know what? I wanna put a bit in super, but I would like to do it, you know, before technically, if I can. Just give me a call, and I'll run through the numbers and see, you know, how much we can look at doing if, you know, that situation ever do. Alright. Does the salary sacrifice work for anything else or just super? I don't see It yeah. So it is a very salary. question. It is under each employer. Sorry. Most employers Okay. offer salary sacrifice through superannuation. That is the most common. It's not a requirement that they have to offer it, but it's Yes. very, very few employers who don't. And the only ones I've kind of come across who don't do it is if it's a really, really small business and, like, the accounting stuff is not super sophisticated, and Yes. they just don't. But, otherwise, most most employers do offer salary sacrifice. There are other employers, and they tend to be more for government jobs or sometimes nursing and and stuff like that. Jobs or sometimes nursing and and stuff like that where they offer salary sacrifice in different areas. So some employers will offer salary sacrifice for mortgages and bills and payments and stuff like that, but it kind of depends on each employer. But it's definitely worth checking with them to see if it's not something you have done already to see if they do any salary packaging and stuff like that. Some employers do, but most only do salary sacrifice to Okay. That's fine. suit I know it might work. Right? stuff. But that Yep. is fine. I'll have a think about that. Yep.","start_word":4640,"end_word":5057,"sentiment":"neutral","sentiment_score":0.024393015429734044},{"text":"Okay. So I think I'm pretty happy with my super.","start_word":5058,"end_word":5067,"sentiment":"positive","sentiment_score":0.6283527612686157},{"text":"Yep. Where do I find, like, what fees I'm paying for the financial advice Yes. adviser So for OC? yep.","start_word":5068,"end_word":5087,"sentiment":"neutral","sentiment_score":0.06869655102491379},{"text":"Perfect.","start_word":5088,"end_word":5088,"sentiment":"positive","sentiment_score":0.3615047335624695},{"text":"So that will be let me see if you were sent that. So that will be part of let me see if I can get that here. That ongoing service agreement was the one that it would ask you to sign. So the ongoing service agreement would be, you know, if you are happy to stay on board of the claim, it will then enter into an ongoing service agreement for us to service your account. Obviously, you can cancel whenever you want to if, at the end point in time, not happy with the services, but it is something you have to sign every twelve months. Otherwise, we just cannot keep charging you. It is a percentage of your super, so 1.65% of your superannuation. But let me see if I can see it on this report here. Here. If not, I can just so I don't waste your time, I can get 15 to generate that for you, a fee disclosure statement even to see how much you have paid in the last twelve months and then estimating for the next twelve months, if that will be helpful for you. I can get them to draft Yes. that and send that through to you. Yes. That's Yeah? fine. I guess Yeah. I need to research whether that's competitive Yes. compared to other services is what I'm is Yes. is what I'm thinking. Yeah. Yeah. Of course. And, you know, by all means, we wanna make sure that you are happy and look after you at the end of the day, but there is no looking contract. So if at any point in time you're not happy and don't want to stay on, that is completely up to you, obviously. Now I can see here as well that I do think your your partner is booked in to do some research as well. And Yes. with with couple fees as well, we have recently changed the structures for couples. So if Mhmm.","start_word":5089,"end_word":5421,"sentiment":"neutral","sentiment_score":0.09543680663670864},{"text":"it is that we have three people on board, so instead of you paying 1.65%, it will be reduced for 1.1 for both of you to make it a little bit more affordable as well if he, you know, decides to come on board.","start_word":5422,"end_word":5465,"sentiment":"positive","sentiment_score":0.3637036681175232},{"text":"That would apply to you as well.","start_word":5466,"end_word":5472,"sentiment":"neutral","sentiment_score":0.28977900743484497},{"text":"Cool.","start_word":5473,"end_word":5473,"sentiment":"positive","sentiment_score":0.4335561990737915},{"text":"Yeah. Alright. So I'll talk to him about that. Yeah. And they will go they will go through all of that with with him as well, you know, in during the process. Cool. Yeah. And I I don't want to skip too much of your time, but No. That's okay. I guess what Yep. I really wanna utilize is what services you guys have available for me. So I really wanna try and and as far as you go, but even if you can guide me, I really wanna try and learn more about investing myself. Like, obviously, Yep. not super, but my own sort of money to try and, you know, make a return there. Yeah. So I Yep. wanted to just get some education around that. And Yep. then I did yeah. Like I said, I I did send in that that budget thing just to see Yep. if there is any advice around how if we could manage our audit budget better, Right. our money better, because Yeah.","start_word":5474,"end_word":5644,"sentiment":"neutral","sentiment_score":0.13290058076381683},{"text":"I feel like we don't really do that very well.","start_word":5645,"end_word":5654,"sentiment":"negative","sentiment_score":-0.35470253229141235},{"text":"But if you guys don't do that, that's fine. But I just wanted to utilize what I can. Yeah. Yeah. I well, especially, you know, it's part of the ongoing service. So I think you spoke to my under review my my colleague, sorry, Dana, last year. So I'll have a look at that cash flow and budget. But definitely it's something we can do to have a bit of a review at and see if we can make any changes. I'll check with with her and the team if we have that one and have a bit of review at it because definitely sometimes there can be obviously changes through it. When it comes to personal investments, we we can obviously do recommendations on different investments and structures and stuff like that.","start_word":5655,"end_word":5787,"sentiment":"neutral","sentiment_score":0.16048599821620418},{"text":"That would be good.","start_word":5788,"end_word":5791,"sentiment":"positive","sentiment_score":0.5511299967765808},{"text":"So whether that would be that's typically, like, if you want us to manage it. So that would be more your your personal investments or investment bonds and stuff like that. Then we would obviously do the research and make a recommendation on how to manage it. But I also have clients who just want to do their own investment. Because, obviously, we don't have, I guess, responsibility of managing those, it does become a little bit tricky. But in some areas where it's like, okay. Let's say you want to look at some investments and you just want a bit more research materials and and stuff like that, because we have access to all the research houses, I can very easily generate reports for you. So if you go, hey. I'm looking at doing, you know, this portfolio. What would that look like? Because it's not something we would What would that look like? Because it's not something we would manage, I can't tell you directly yes or no because, ultimately, we don't have then the responsibility of managing that. But what I can do is I can put it into our software in front of a port on that portfolio, and that would then spit out for you. It can be it can be quite in-depth of different risk allocations and performance and stuff like that based on the portfolio that you're looking at or if it's just Mhmm. individual investments as well. So you can always just send me an email if it's something that you you want some research so you can kind of have a look at things for you before doing it.","start_word":5792,"end_word":6069,"sentiment":"neutral","sentiment_score":0.11291997193646944},{"text":"That is perfectly fine.","start_word":6070,"end_word":6073,"sentiment":"positive","sentiment_score":0.4718442857265472},{"text":"Sorry.","start_word":6074,"end_word":6074,"sentiment":"neutral","sentiment_score":-0.26797249913215637},{"text":"I think I lost you there.","start_word":6075,"end_word":6080,"sentiment":"negative","sentiment_score":-0.48383229970932007},{"text":"Yeah. I cut out for a little bit. Yeah. Yeah. Oh, sometimes technology.","start_word":6081,"end_word":6093,"sentiment":"neutral","sentiment_score":0.01570376567542553},{"text":"So, yes, we can definitely do that.","start_word":6094,"end_word":6100,"sentiment":"positive","sentiment_score":0.5694141387939453},{"text":"So I will get the team to draft up that fee disclosure statement and email it to you. Mhmm. Just obviously disclosing the fee that you have paid in the last twelve months. And then, obviously, if you are happy to stay on, it's just estimating for the next twelve months, but it is a percentage of your super balance, just that 1.65 for the time being anyway. And, like, unless your partner does come on board, and it is just deducted from super monthly for you. So, typically, the fees will show you a yearly just to make it easy, but it is deducted monthly, especially to make it more fair to you because of, obviously, market fluctuations and stuff like that. And Okay. so you guys manage personal investments as well. So, like, usually, you have to have a sum of money, right, to start off with that? Yes.","start_word":6101,"end_word":6251,"sentiment":"neutral","sentiment_score":0.1890266388654709},{"text":"So, yeah, we definitely do personal investments.","start_word":6252,"end_word":6258,"sentiment":"positive","sentiment_score":0.36578527092933655},{"text":"So whether that would be you know, there's a lot of different type of investments we can look at and manage for sure depending on, you know, time frames and and how much money you are looking at doing for sure. Definitely. Is there, like, a minimum amount? I know some obviously, a lot of places have minimum amount. More from a from a platform point of view, yes. So what amounts are you kind of looking at? Yeah. I was I thought, like, I thought $10 there, but I don't wanna Mhmm. put all my $10 in there, like, maybe $5 or something, but I don't know if that's Yeah. So most of the the platforms, because they are a little bit more, I guess, sophisticated, and there's a lot more you can do with it to make, obviously, enough.","start_word":6259,"end_word":6399,"sentiment":"neutral","sentiment_score":0.09830666333436966},{"text":"the fees and everything worth it and to Yep.","start_word":6400,"end_word":6408,"sentiment":"positive","sentiment_score":0.48647648096084595},{"text":"even get it set up. A lot of the investment accounts do require about 20,000 as a deposit. You then have investment bonds, which is a different form of investing where you have you heard much about it before? Investment Look. I bonds did do and research stuff like initially, that? but it's just it's a lot of information to sort of get your It head around. is. It is. Yeah. And it's it's kind of weird because it kind of acts as a life insurance policy, but it's not because it's still part of investment. But it does that from, like, a tax point of view. So investment bonds, you can definitely have a lower amount. Sometimes we have people around more like your 10 or might even be able to do five, but, typically, it's more around the 10 to 15. There is one that's a little bit different. They're more your your long term investment.","start_word":6409,"end_word":6566,"sentiment":"neutral","sentiment_score":0.06336406618356705},{"text":"So the really good thing with investment bonds is that if it's a long term investment that you are wanting to have for, let's say, 10 or then they become really tax effective.","start_word":6567,"end_word":6599,"sentiment":"positive","sentiment_score":0.5106790661811829},{"text":"Because when you sell it, you don't have to pay any capital gains tax on it, and then you don't have it doesn't get added to your personal tax either. So you don't pay any personal tax on it when you sell it. So that is obviously very different through your personal investment because, obviously, you would then have to pay your capital gains tax on it. And then when you you know, earnings and stuff like that will then be added to your taxable income. So it becomes really tax effective if we're looking at longer term investment. They still have, you know, options in terms of if you can still invest in a lot of different investment options, not as extensive as your personal investment account. There are some restrictions on some of them with, you know, how much regular contributions. And if you wanna take it out before the ten year, then it's not as tax effective. So it kind of depends on, you know, time frames and what your goals and stuff like that are. Otherwise, if you do just a little bit of investing yourself, because sometimes we have clients who just want to do a little bit investing themselves if they just have a couple of thousand as well. Most of your Comtech and other platforms, they don't really have a a minimum or it's a lot lower. So you can definitely do, like, a thousand and stuff like that. But because it's it's not it's a different kind of platform, we wouldn't be able to manage that for you. Yep. That was Contacts. Yeah. Yep. Yeah. Okay. Cool. Okay.","start_word":6600,"end_word":6875,"sentiment":"neutral","sentiment_score":0.05149624321231808},{"text":"Cool. So so, hopefully, that helped them a little bit, though, for you.","start_word":6876,"end_word":6888,"sentiment":"positive","sentiment_score":0.3925870358943939},{"text":"Yep. Yeah. It does.","start_word":6889,"end_word":6892,"sentiment":"neutral","sentiment_score":0.250022828578949},{"text":"Thank Yeah. you.","start_word":6893,"end_word":6895,"sentiment":"positive","sentiment_score":0.39490553736686707},{"text":"Yeah. No. That's okay. So like I said, I'll get to the team through email you that fee disclosure statement. Is there anything else that you kind of need from us at the moment? I know here as well that we have you booked down to do quarterly review reviews moving forward as well to give a bit more communication. And, you know, if anything changes, we can always revisit things for you then or, obviously, at any point in time, if you go, you know what?","start_word":6896,"end_word":6982,"sentiment":"neutral","sentiment_score":0.15343433618545532},{"text":"Now I would like to do this, then we can definitely do all of that.","start_word":6983,"end_word":6997,"sentiment":"positive","sentiment_score":0.41299423575401306},{"text":"And the last thing I was going to ask as well is your mortgage and stuff like that. When was the last time you guys had a refinance? Do you know? Yeah. I mean, we we we'll refinance, but we withdrew a little bit of money out last year. Mhmm. I haven't done a full refinance yet because of the way interest rates have been going. Yep. So we're with AMP currently. Yep. I didn't know whether it was worth waiting to see because I don't know if we're really gonna get a better rate at the moment with interest Do rates do without you know going, but do you know your account? yeah. Right? Yeah. Well, they haven't announced it going up, but I expect an email in a day. I'm sure. Yep. Let's see. Five point seven four percent.","start_word":6998,"end_word":7138,"sentiment":"neutral","sentiment_score":-0.006526784495787418},{"text":"Perfect.","start_word":7139,"end_word":7139,"sentiment":"positive","sentiment_score":0.5615054368972778},{"text":"And that's variable? Yes. Yeah. It it's up to you. It it's not it's not too bad. If it is you know, sometimes it's always worth checking. I always suggest through to get to get it reviewed each year just to see, especially as your property has gone up, especially from when you took the loan out.","start_word":7140,"end_word":7196,"sentiment":"neutral","sentiment_score":0.2707647681236267},{"text":"If there's more equity in it, then you can obviously lower that down so you can make it more affordable sometimes as well.","start_word":7197,"end_word":7219,"sentiment":"positive","sentiment_score":0.3405873477458954},{"text":"If it how do you guys pay it? Is there a weekly, monthly, fortnightly? Wheat cream. Weekly. Okay.","start_word":7220,"end_word":7237,"sentiment":"neutral","sentiment_score":0.05889520049095154},{"text":"Perfect. Because that sometimes as well can obviously speed things up a little bit by doing it weekly, so that's good.","start_word":7238,"end_word":7258,"sentiment":"positive","sentiment_score":0.38079607486724854},{"text":"But if it is something that you are interested in, I can always get a mortgage broker to give you a call if you would like a bit of a review of your mortgage Yes. to see if they can find any better options for you? Yes. I'm sent. Yeah. Yeah. I mean, it doesn't hurt. Worst comes to worst. They'll do the research, Yes. and they say, do you know what?","start_word":7259,"end_word":7330,"sentiment":"neutral","sentiment_score":0.08375521004199982},{"text":"You're in a pretty good deal.","start_word":7331,"end_word":7336,"sentiment":"positive","sentiment_score":0.4084427058696747},{"text":"We'll touch base a a bit later. And, you Yeah.","start_word":7337,"end_word":7346,"sentiment":"neutral","sentiment_score":0.2238711416721344},{"text":"know, if they can find something better, that's great.","start_word":7347,"end_word":7355,"sentiment":"positive","sentiment_score":0.33332496881484985},{"text":"Yeah. So are you happy for me to pass on, obviously, your phone number and Yeah. email address to them? Perfect. And Yeah. Fine. do you have a best contact time I have here after 5PM at big time? Yeah. After Typically? four or five is better. Yeah. Okay. So they're after, what, four to five. Any preference on any days? Like, oh, is it just Monday to Friday, typically, or Monday to Thursday? Wednesday to Thursday. Yep. Okay.","start_word":7356,"end_word":7434,"sentiment":"neutral","sentiment_score":0.08818747103214264},{"text":"Perfect.","start_word":7435,"end_word":7435,"sentiment":"positive","sentiment_score":0.40695804357528687},{"text":"I will send that off to them and get them through, give you a call. I'll also send an introduction email so that you have their contact details as well, but Yep. I'll get them through to reach out. But then that way, you have their details as well just to see if there's anything else that you can do with it. And, you know, if you do get through, you want us to review your personal investments a little bit more as well. If you have Mhmm. a little bit more potentially that you would like us to do, then just let us know. We can always do some some research Perfect. And in I just want to follow-up different with the budget, like, the thing that I feel well, I don't remember if things. I've got it whenever I can do a new one, but just the budget stuff. Yep. Yep.","start_word":7436,"end_word":7588,"sentiment":"neutral","sentiment_score":0.16463729534663407},{"text":"Perfect. I will check-in with my my colleague who you would have done that with and see, but I can schedule you in any way for a follow-up in regards to that now while I have you on the phone if you would like just so Yep. it's all scheduled in there for you.","start_word":7589,"end_word":7642,"sentiment":"positive","sentiment_score":0.3885971605777741},{"text":"Yep. Now let me see. Well, should they resend it to me for me to send back or something? Has it when was the last time you completed it? Was that a little while ago? Okay. Okay. Well, yeah, maybe the first point is I'll get them to resend it to you. Obviously, have a bit of review over it and see if anything's changed, do some tweaks, send it back. And then as soon as we get it back, we'll then get in touch to book in a catch up to review the cash flow budgeting in a little bit more kind of in-depth and Yes. see if there's anything Yeah. else we can restructure for you.","start_word":7643,"end_word":7760,"sentiment":"neutral","sentiment_score":0.08698663115501404},{"text":"Perfect.","start_word":7761,"end_word":7761,"sentiment":"positive","sentiment_score":0.35655462741851807},{"text":"No worries. And I don't know if you can pass this along, but I did get told at some point that if I refer someone to maybe there was, like, some sort of referrals being there. So I don't know if that if James does sign up, Yes. if there's any sort of referral program or something that you do. Actually, they did say, like, you get a bath or something, but I just That want is to ask correct. the questions. Yeah. No. That that I that I is cut correct. it Sorry.","start_word":7762,"end_word":7855,"sentiment":"neutral","sentiment_score":0.00398506446087614},{"text":"It is a good one. So, yes, definitely, if, off. you know, your your partner does come on board as a client, not only will the ongoing advice fee be reduced for you because you're a couple, but because you referred him on as well, you will also get a $100 gift card to say thank you. Yeah. That will definitely be you know, if he signs on board, we already have that on record as you referred him.","start_word":7856,"end_word":7934,"sentiment":"positive","sentiment_score":0.3824566304683686},{"text":"So, you know, if he does sign on board, then we already have that kind of noted on the account that you will then, you know, get that gift gift voucher Awesome. to Perfect. say Alright.","start_word":7935,"end_word":7970,"sentiment":"neutral","sentiment_score":0.2790830135345459},{"text":"Cool. thank Thank you you. so much.","start_word":7971,"end_word":7977,"sentiment":"positive","sentiment_score":0.6225895881652832},{"text":"Yeah. What was your name, sir? Veronica. Veronica.","start_word":7978,"end_word":7985,"sentiment":"neutral","sentiment_score":0.13313040137290957},{"text":"Perfect. Thank you for your help.","start_word":7986,"end_word":7991,"sentiment":"positive","sentiment_score":0.7045310139656067},{"text":"No problem. No. Anything else that you do need, though, don't hesitate to give me a call. But, otherwise, keep a look at on that email with that free disclosure statement for I will.","start_word":7992,"end_word":8025,"sentiment":"neutral","sentiment_score":0.1075051575899124},{"text":"Thank you. Thank you for you. your time.","start_word":8026,"end_word":8033,"sentiment":"positive","sentiment_score":0.5592923760414124},{"text":"No problem.","start_word":8034,"end_word":8035,"sentiment":"neutral","sentiment_score":0.30654260516166687},{"text":"No problem at all. Thanks, Leah. Thank Okay. you.","start_word":8036,"end_word":8044,"sentiment":"positive","sentiment_score":0.49434712529182434},{"text":"Bye. Bye.","start_word":8045,"end_word":8046,"sentiment":"neutral","sentiment_score":0.2731292247772217}],"average":{"sentiment":"neutral","sentiment_score":0.1303872376979964}}}}