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Is now still a good time there for you? Oh, fantastic. And before we jump into the call there, Sarah, and just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to the security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. So, Sharon, when you did your annual review back in January with my colleague, Michelle, you may have mentioned you wanted to speak to an adviser about looking at some additional ways to save paying additional tax. Does that sound familiar? Yep. Yep. All good. Can I start by just sort of finding out a bit more about what it is you're after and what's sort of happening at the moment? Right. Yep. Beautiful. Yeah. Yes. So you absolutely can. So when you say salary sacrificing, your salary sacrificing into super at the moment, or are you salary packaging to elsewhere? Okay. Perfect. Well, congratulations. I love that. Fantastic. Fantastic. Nice. Nice. Well, there there are definitely ways that we can do this. Having a look at things at the moment, now yours 60 at the moment, so you do qualify for some additional strategies. One of the additional strategies we can look at is what's called a transition retirement strategy. Essentially, this is where we look at opening up a a transitional pension account. We keep your super open. We move most of the money over into this secondary account here. We increase your contributions in the super up to the cap as much as we absolutely can. And because you're over 60, we're able to draw a little bit of money out of super. The money you draw out is completely tax free, and it helps to bring back your tax your net income to where it was prior to the salary sacrifice going in. So it's kind of a cool strategy where you end up with two super accounts. You're putting more money into super, but your take home pay stays the same. You get to save in the tax side of things because you are putting more money into super, and it can provide a bit of boost to your super fund as well because money inside super is taxed differently to outside of super there. Would you like me to have a look and see if that might provide a greater benefit to you? Yeah. You sound a little bit unsure. Okay. We can have a look at that as well. That's absolutely fine. So let's have a look at your goals and what you're after, and then I can go back and do the do the research, have a look at the advice, look at whether that TTR strategy will suit you, look at, you know, what we're tracking for and how this works. So just double checking now. I'm just removing because you said you are now debt free. You've completely paid your mortgage off, which is great. I've got down here last time we caught up, you were salary sacrificing about $230 per fortnight in the super. Is that right? Beautiful. Excellent. Your goal for accessing super I actually don't have one here. When are you sort of hoping to be able to access super and fully retire? When's your goal age? 67. Beautiful. We can work on that. Yeah. Fantastic. Yep. Yep. Absolutely. Mhmm. Wow. That is incredible, honestly. Wow. And because yeah. I love that. Yeah. Absolutely. Yeah. No. That's absolutely fine. Beautiful. We've got a really good healthy super balance looking at things at the moment there. I will go back and obviously have a look at how your suit has invested as well if you like and look at, you know, what how it's been performing, look at whether there's any investments that we maybe need to look at removing out for you. With the way you're invested, I'm just having a quick look in the super fund at the moment there now. I'm just double checking. Sharon, can I just confirm your middle name? Beautiful. No. It's okay. I'm just making sure I'm looking at the same one because believe it or not, your name is actually very common. Just wanna make sure I'm not giving you anything incorrect. Let's have a look. How's it all going? Right. Okay. So he doesn't have anything in the way of super or much? Okay. Okay. Right. Okay. I'm having a look here at your notes. It made mention that he wasn't working at all. He'd hurt himself and wasn't able to work from January. Yeah. So sorry to hear that. That's awful. And can I ask how old was Ron? How old your husband, Ronald, I believe? Fifty four. Oh, 64. Yep. Okay. Perfect. Excellent. So he'll be reaching a 67 prior to you, a bit earlier than you. That's okay. Good to sort of take into account because age pension eligibility is when the oldest one of you reaches age 67. So because he's 64 now, he'll reach 67 prior to you, which means he'll be eligible to access the age pension prior. So I can even look at that. Depends on what your income is. They do allow your assessment of the income and the assets test, and it depends on what your income is. So at the moment, the threshold is, and I can tell you what the maximum is actually not too bad at all. And it Can definitely change because they index these twice a year around the March 20 and the September 20. I'm just double checking the threshold for single people. Sorry. I've been looking at the threshold for couples for the last few weeks. So at the moment, the maximum so you would be under a couple living together even though he would be the only one eligible to receive the age pension. So fortnightly income cutoff point would be 4,000 per annum combined before he would be not eligible for any age pension whatever whatsoever. So say 4,026 fortnight. It's actually not bad. It's about it's quite a huge sum of money. Yeah. Yeah. It's about a 100 thousand dollars a year. So, realistically, even sorry? Yeah. So it goes on your income. So what happens is in order to apply for age pension, even though he'll be the only one eligible, he'll he'll apply, and they'll assess all of your joint assets together. So your your cards, your contents, all your savings accounts. If you're not 67, your accumulation super won't be assessable. But if you have anything in a pension phase, that will be assessable. His super is assessable as well. And, essentially, they can they assess both of you together as a a couple because if you pass away, he's still eligible to keep all of the assets, essentially, and all the money and things like that and inherit everything. So they assess the both of you together. And if you're working, they assess your income, and then they give him the difference between what you're earning and what he's eligible for. So yeah. Yeah. So there is there is still a bit out there for you. I spoke to someone a few hours ago who was like, I'm not gonna be able to get each pension. I was like, no. No. You are. Yeah. You currently, it looks like you might be able to. You're eligible. So what do you mean? Yeah. Yeah. Oh, I don't see any of that happening at the moment. So superannuation goes under a set legislation where super because it's part of your income, the first 12% of your income is put into super, but it's still considered income and it's still included in your assessable income for taxation. So, essentially, that is partly your money. And the idea the superannuation legislation is that super is to be held for the benefit of the member for retirement years. So there's nothing in the legislation that says the government can access that, take the money away, or do anything with it because that would go against the SIS Act and the super legislation. I have definitely heard people in the past mention they think the government's gonna take all of that super. They actually can't do that, so I don't I don't foresee that happening anytime soon. If they do take your super, then they should be willing to give you all the tax back too because that's the first 12% of your income, your hard earned time that goes into super fee retirement. So that's no. No. No. No. Definitely not. Well, I'll make sure that doesn't happen. But no. Look. It it definitely goes against the SIS Act because the SIS Act is at a superannuation fund. The superannuation trustee is to hold that money in trust for you when you retire and make that condition of the lease, and that is all held under the CIS Act. So the government is going in there and taking money out of your super, goes against all of that. And, I mean, it's part of as I said, it's part of your income, so they definitely can't do that. But we're as your advisers, we do look at the legislation, look at the changes that are coming in, and see, you know, what we can do to help and talk about the things that are coming. So, you know, if you ever are concerned or hearing anything, do reach out. Let me know. I'm here to definitely help you. Okay? That's okay. Now just having a look at things with your risk profile. I just wanna make sure when we are looking at your investments that you are invested in the correct risk profile there. So just sort of double checking, we're working on an age of, say, 67 for retirement at the moment. Is that realistically the the earliest you'd wanna stop working, or do you think maybe the earlier? Yep. Yep. Beautiful. That's okay. Fantastic. We'll take it. So it gives you roughly. Yeah. Absolutely. Yeah. Absolutely. Yes. Yeah. No. Absolutely. Not a problem at all. We're working on a sort of six to seven year time horizon. Easy. With the markets with the way investments are, when you're taking on more risk in the markets, you do also risk a downtime. And we know no matter what you were invested in, portfolios and investments will always see some sort of downturns that we need to sort of wade through. When we look at investing, we look at your time horizon, so how long you have between now to when you wanna access it, which helps us to guide how you should be invested. But we also consider, you know, what happens in the event of a downtime, how you might feel. So if we saw your super fall over the next sort of one, two, three, or even five years by, say, 10 or 20%, would you be feeling like you wanna put more money in and take advantage of that? Are you feeling concerned and maybe calling us and seeing what we can do? Or are you just wanting to sell everything and move to something more more secure? How do you think you might feel? Yeah. Yeah. Beautiful. Love it. Excellent. It's actually a very good answer. There we go. And I'll just tick the box there for you. How do you look at things? So you've only ever owned your main primary residence. Have you ever owned investments outside of super, or have you ever owned an investment property or anything like that? Nope. That's okay. And in the past, have you ever seen your super fall in value before? I know ever sorry. Yep. Okay. So when your super had fallen, it's Yes. Yep. Yep. Yeah. No. Perfect. And that's what we wanna see. Yeah. It is absolutely beautiful. So if it is when you do sort of see your super fall in value a little bit, how do you see you feel about that? Does it make you feel optimistic about the investment opportunities ahead? Are you a bit concerned? Are you a bit anxious? How does it generally make you feel when you do see a drop a little bit? Yep. Yep. Yep. Perfect. Yep. No. That's absolutely fine. Not a problem at all. So with where you have scored there at the moment, you get scored as more of a moderate investor. And to give you a bit of an outlook with what your portfolio looks like at the moment inside Super, you're in that balanced growth environment. So that essentially sees about 70% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, precious metals, and then the other 30% in defensive investments, so things like cash, bonds, and fixed interest. A balanced growth investor is considered more conservative. You have a preference for mostly income coming out of it, so dividends and income payments that are made out of the investments. You still want some growth, but you have a very low tolerance for ups and downs in the market. This sort of a portfolio, we're expecting and chasing returns of around about six to 8% on a yearly basis compounding that forward. And, normally, it suits someone who has about five years before they're wanting to access their super. And because we always can see investors taking some sort of a downturn, the risk of a negative return in this portfolio is expected kind of one in every six years. Do you still feel like you're comfortable being in that sort of a portfolio moving forward for a bit longer, or would you like to maybe start reducing that risk a bit? How do you feel? With doing that? Yeah. Perfect. Excellent. So I'm also having a bit of a look at your investments in your sleep, but just while we're having a bit of a chat and going through that one. All of them have been performing really, really nicely when I look at how it's performed over the past twelve months. You're up net of fees by 13.07%. So it is a really good solid positive return. Because I am gonna go back and just have a bit of a look at doing that TTR strategy to see if that can provide some benefit for you, I can see one investment in here that is underperforming, that is underperforming against the rest of the market. So I would like to remove it. So you've got the Benelong Australian Equities as an a managed fund. And when that was put in your portfolio, originally, they had seen some really fantastic growth. But then along in the managed fund, they're actually an active fund manager. So that basically means the investment managers behind the scenes, they're choosing when to buy and sell investments, and they're trying to outperform. They're trying to get a better return than the market does, and they're actively managing that funded buying, selling investments on a regular basis to outperform against the rest of the market. Active fund managers often don't perform that well, and they can just outperform the market but don't always. When you have those kinds of active managers in your portfolio, you also can pay a little bit more in fees towards having those there. If you like, I could always look at removing that, putting something else in its space that might be a bit more low cost for you, might also give you a bit more diversification to help with risk mitigation. Does that sound okay? Yep. Yep. Beautiful. I know I've said a lot, and we've gone through a bit so far. Do you have any questions at the moment? Please let me know if you do. No. That's okay. Yep. Beautiful. Nope. That's okay. That's all good. I just you got one. Fantastic. I love that. Have you been adding it already or not yet? No. Oh, you're building it. Fantastic. Oh, that's beautiful. No. That is awesome. That is really beautiful, honestly. I love that. That's fantastic. I oh, that's fantastic. I love that. With the caravan, I know you haven't quite got that yet, but it's still an asset that you're about to acquire. What sort of value will that be worth when you do get it? 70,000? Yep. Beautiful. And are there any loans going on the Caravan? Nope. Per perfect. I also have here motor vehicle. Your current vehicle, I'm assuming, asset value is 38,000. Would you keep that the same, do you think? 20,000? Perfect. And what kind of car is it? Yep. That's okay. Mazda. Yeah. No. That's fine. So and yeah. Yeah. Yeah. Perfect. Yep. That's absolutely fine. Oh, fantastic. I'll pop that down here as well. So Isuzu. And what sort of value would you put on that? 40,000? Fantastic. And any loans on the ITC? No. Okay. Beautiful. I'll just leave it zero and note to be paid off in August. Fantastic. Excellent. And then I also had sorry. You're at? Hot rod. Beautiful. Lovely. Okay. What sort of asking price are you gonna have on it? Yep. Beautiful. We'll put 80 on that one for you. And there's no loans you own that hot rod at. Right? Yes. Beautiful. I also had down here that you had some cash, about 5,000 sitting in a cash account. Do you still happen to have that? Yep. Beautiful. Is it still 5,000, or is the value increased or changed? Nope. That's okay. Beautiful. And then I've also got down here content that I do like to note as well, especially when we are looking at the retirement and Centrelink aspect. What sort of do you have content insurance on your property? Or yep. Do you know what do you know what the value of your content is? Beautiful. Now the fun part comes, when I'm valuing assets and looking at Centrelink for, like, age pension and retirement planning and things like that, we actually have well, the fun thing is we actually devalue all your assets for you. So whenever you are applying for the age pension, the one thing Centrelink will ask you on the application is what is the fire sale value? So they're essentially wanting to find out what is if you had to sell all of these things tomorrow, what is the lowest amount you would take for it if you had a garage sale and got rid of everything to liquidate? What's the lowest amount you'd be willing to take for everything? Now your house is fully exempt for settling purposes. You're not gonna have the hot rod, so we'll note here that hot rod will be gone to be sold. So you won't have that anymore. We'll assume you've probably got some money sitting in the bank, say, 80,000 sitting in there. Contents wise, when we are looking at Centrelink, we never value content more than 10,000 for a couple. And that's because yeah. Yeah. So we always put 10,000 for a couple for content. Because, realistically, if you have a garage sale, you'd be selling everything for 50¢ a dollar, $2 to try and get money quickly. So Centrelink allow us to reduce your content valuation for them to about 10,000 for a couple. So that's where we go with that one. With the iZuzu, what is the lowest you would probably put on that, do you think? 30,000? Yes. Beautiful. Yes. That's okay. And then also with your c x five, what's the lowest you'd probably go with that? 10,000? Beautiful. Alright. So for 10,000. Excellent. Cash, the 5,000, we do have to keep the same. And the caravan, I know you are building that one, and it is valued quite high. How what's the lowest valuation you would put on that for Centrelink, do you think? Because you'll probably have that back then. 50? Yep. Beautiful. Excellent. So just based on this and having a look at things, there's definitely eligibility there for Sandlink. I'll just go back and have a bit of a look at it for you. What we sort of do because you are a little bit out from those retirement years, I limited scope this in, and I sort of show you a table with where we're projecting your super to go with the strategies and what we're putting in place over the next few years. But then when we look at the ultimate drawdown, how we look at drawing down your super plus drawing down a bit of age pension and sort of seeing how much longevity we can get out of both of those things for you. Okay? Yep. Beautiful. Absolutely. Yes. Yep. Yep. Okay. Yeah. Yes. Yeah. Okay. Perfect. I mean, you put the money to good use, so absolutely. Yep. Well, Ron can be very proud that his money's gone to good use for you. No. That's okay. Do you do you know roughly how much he'd have left in super at if anything? No. Wrong. Yeah. Okay. No. That's absolutely fine. Yep. No. That's absolutely fine. Not a problem at all. All good. Lovely. Well, I'll note that down there. We'll have a bit of a look at things. I'll look at the TTR strategy, how that can work for you. Income wise, I have you noted as earning about 70,000 per annum. Is that fairly accurate for your income? No. What do you settle on now? That's okay. Can I yep? That's alright. Can I send you an that's absolutely fine? If you want, I'll send you an email after the call. If you can shoot me through a payslip or two just so we can have a look at what your income looks like, and then we can put that to the research for you and see if we can make this TTR work. Does that sound okay? Beautiful. In your do you remember last financial year what your income estimate was on your tax return? If you can't, that's okay. Don't worry. With the 80 mark. Yeah. That's okay. Beautiful. Yeah. That's absolutely fine. I'll send you an email after the call. If you can just shoot me through a pay slip or two, that would be fantastic. The most recent ones are the best ones to go with because it shows what you're earning currently. And then we can go through and have a really good look and do the research and add add it all together and work out how how we can make this work for you. Okay? Beautiful. And you're working part time as a nurse? You're working part time? Point nine. Beautiful. That's technically part time, isn't it? Yes. Beautiful. The point nine hours. Beautiful. Fantastic. Okay. Beautiful. And that'll be pretty consistent taking that extra shift up? You're, like, doing that all the time? Yep. Beautiful. Fantastic. Absolutely. That time will come. It's all good. At least you get the option to cut that. That's fantastic. Yeah. And just double checking beneficiaries here as well to make sure everything is in order. I've got down here that if in the event of passing that your super is to be paid out to Ronald, he's your spouse, and you're comfortable with that for a 100%? Yep. Fantastic. Let's just look at the other estate planning side of things while we are here as well. I've got down here that you both have a will and power of attorney in place, and you're comfortable with the way those are structured. Is that right? Yep. Fantastic. Excellent. So I've got down here that we're looking at a goal of trying to stop working at about age 67. Do you know when you get to those retirement years, what kind of income you're going to need to live on on a weekly basis to cover expenditure or what you're gonna wanna draw down or live on each week? Yep. Yep. Yep. So about 1,000 dollars a week. Yep. Yep. Beautiful. Not a problem at all. We'll look at that for you. So averaging $52,000 a year income wise. Fantastic. We can look at that. Perfect. And I've just removed the caravan from your goal there, but you still wanna spend your time traveling as much as possible? Yep. Fantastic. The other goal we had here was paying down your mortgage, but that's completely gone now, which is great. Is there any other goals that you have down the track that you're sort of looking at, or is it just working towards time now? Yep. Yep. Yep. Perfect. Do you know okay. No. That's alright. Do you know roughly what you might be wanting to spend on that car? What's the comfortable amount you might like to spend? Yeah. About 40,000? Beautiful. For the car. Yep. Fantastic. I'll pop that in there for you. Beautiful. Because it's just another goal to work on as we are looking at retirement planning side of things for you. So excellent. Well, what I'll do now is I'll go back. I'll send you an email after the call just to get you to send me to a couple of payslips. My team will go back. We'll go do a bit of research around how this looks, what's gonna help you. I'll look at the investments you have in your super as well, keeping that balance growth kind of area there, and we'll just we'll come back in a couple of weeks. It takes about four to five weeks to kinda do the research properly and come up with the advice for you. And then we'll come back, and we'll have a really good look, And I'll go to the advice document with you, and then you get to decide whether you take the advice or not. Does that sound okay? That's okay. That's not a problem at all. It's what we're here for. That's not an issue at all. Is there any questions that you might have at the moment that might have come to mind or anything that I haven't touched on that you wanted to maybe discuss with me as well? Or no? Beautiful. Beautiful. Beautiful. Well, thank you so much, Sharon. I really appreciate your time this afternoon. I'm looking forward to putting this advice document together. Absolutely. Not a problem at all. I'm sorry. Beautiful. Thank you so much for that. It'll come back from my email. So if you do happen to have any questions, you're welcome to reply to me or touch base with me directly at any point in time. And just so you're aware, we haven't spoken before. But if you ever wanted to look me up, I'm a registered licensed financial adviser, and my license number is 1304394. I'll also attach the financial services guide to the email, which has all the information about being it for you as well. Okay? My pleasure. You have a lovely afternoon. Thanks for your time. And if there's anything additional that comes up, we'll make sure we touch base. Okay? Thanks, Sharon. You enjoy your afternoon. See you later. 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Sharon. This is Dana from Ophi Financial. How are you today? That's good. I have you booked in for a bit of a follow-up conversation in relation to your annual review a few months back.\n\nIs now still a good time there for you? Oh, fantastic. And before we jump into the call there, Sarah, and just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic.\n\nAnd just to the security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. So, Sharon, when you did your annual review back in January with my colleague, Michelle, you may have mentioned you wanted to speak to an adviser about looking at some additional ways to save paying additional tax.\n\nDoes that sound familiar? Yep. Yep. All good. Can I start by just sort of finding out a bit more about what it is you're after and what's sort of happening at the moment?\n\nRight. Yep. Beautiful. Yeah. Yes.\n\nSo you absolutely can. So when you say salary sacrificing, your salary sacrificing into super at the moment, or are you salary packaging to elsewhere? Okay. Perfect. Well, congratulations.\n\nI love that. Fantastic. Fantastic. Nice. Nice.\n\nWell, there there are definitely ways that we can do this. Having a look at things at the moment, now yours 60 at the moment, so you do qualify for some additional strategies. One of the additional strategies we can look at is what's called a transition retirement strategy. Essentially, this is where we look at opening up a a transitional pension account. We keep your super open.\n\nWe move most of the money over into this secondary account here. We increase your contributions in the super up to the cap as much as we absolutely can. And because you're over 60, we're able to draw a little bit of money out of super. The money you draw out is completely tax free, and it helps to bring back your tax your net income to where it was prior to the salary sacrifice going in. So it's kind of a cool strategy where you end up with two super accounts.\n\nYou're putting more money into super, but your take home pay stays the same. You get to save in the tax side of things because you are putting more money into super, and it can provide a bit of boost to your super fund as well because money inside super is taxed differently to outside of super there. Would you like me to have a look and see if that might provide a greater benefit to you? Yeah. You sound a little bit unsure.\n\nOkay. We can have a look at that as well. That's absolutely fine. So let's have a look at your goals and what you're after, and then I can go back and do the do the research, have a look at the advice, look at whether that TTR strategy will suit you, look at, you know, what we're tracking for and how this works. So just double checking now.\n\nI'm just removing because you said you are now debt free. You've completely paid your mortgage off, which is great. I've got down here last time we caught up, you were salary sacrificing about $230 per fortnight in the super. Is that right? Beautiful.\n\nExcellent. Your goal for accessing super I actually don't have one here. When are you sort of hoping to be able to access super and fully retire? When's your goal age? 67.\n\nBeautiful. We can work on that. Yeah. Fantastic. Yep.\n\nYep. Absolutely. Mhmm. Wow. That is incredible, honestly.\n\nWow. And because yeah. I love that. Yeah. Absolutely.\n\nYeah. No. That's absolutely fine. Beautiful. We've got a really good healthy super balance looking at things at the moment there.\n\nI will go back and obviously have a look at how your suit has invested as well if you like and look at, you know, what how it's been performing, look at whether there's any investments that we maybe need to look at removing out for you. With the way you're invested, I'm just having a quick look in the super fund at the moment there now. I'm just double checking. Sharon, can I just confirm your middle name? Beautiful.\n\nNo. It's okay. I'm just making sure I'm looking at the same one because believe it or not, your name is actually very common. Just wanna make sure I'm not giving you anything incorrect. Let's have a look.\n\nHow's it all going? Right. Okay. So he doesn't have anything in the way of super or much? Okay.\n\nOkay. Right. Okay. I'm having a look here at your notes. It made mention that he wasn't working at all.\n\nHe'd hurt himself and wasn't able to work from January. Yeah. So sorry to hear that. That's awful. And can I ask how old was Ron?\n\nHow old your husband, Ronald, I believe? Fifty four. Oh, 64. Yep. Okay.\n\nPerfect. Excellent. So he'll be reaching a 67 prior to you, a bit earlier than you. That's okay. Good to sort of take into account because age pension eligibility is when the oldest one of you reaches age 67.\n\nSo because he's 64 now, he'll reach 67 prior to you, which means he'll be eligible to access the age pension prior. So I can even look at that. Depends on what your income is. They do allow your assessment of the income and the assets test, and it depends on what your income is. So at the moment, the threshold is, and I can tell you what the maximum is actually not too bad at all.\n\nAnd it Can definitely change because they index these twice a year around the March 20 and the September 20. I'm just double checking the threshold for single people. Sorry. I've been looking at the threshold for couples for the last few weeks. So at the moment, the maximum so you would be under a couple living together even though he would be the only one eligible to receive the age pension.\n\nSo fortnightly income cutoff point would be 4,000 per annum combined before he would be not eligible for any age pension whatever whatsoever. So say 4,026 fortnight. It's actually not bad. It's about it's quite a huge sum of money. Yeah.\n\nYeah. It's about a 100 thousand dollars a year. So, realistically, even sorry? Yeah. So it goes on your income.\n\nSo what happens is in order to apply for age pension, even though he'll be the only one eligible, he'll he'll apply, and they'll assess all of your joint assets together. So your your cards, your contents, all your savings accounts. If you're not 67, your accumulation super won't be assessable. But if you have anything in a pension phase, that will be assessable. His super is assessable as well.\n\nAnd, essentially, they can they assess both of you together as a a couple because if you pass away, he's still eligible to keep all of the assets, essentially, and all the money and things like that and inherit everything. So they assess the both of you together. And if you're working, they assess your income, and then they give him the difference between what you're earning and what he's eligible for. So yeah. Yeah.\n\nSo there is there is still a bit out there for you. I spoke to someone a few hours ago who was like, I'm not gonna be able to get each pension. I was like, no. No. You are.\n\nYeah. You currently, it looks like you might be able to. You're eligible. So what do you mean? Yeah.\n\nYeah. Oh, I don't see any of that happening at the moment. So superannuation goes under a set legislation where super because it's part of your income, the first 12% of your income is put into super, but it's still considered income and it's still included in your assessable income for taxation. So, essentially, that is partly your money. And the idea the superannuation legislation is that super is to be held for the benefit of the member for retirement years.\n\nSo there's nothing in the legislation that says the government can access that, take the money away, or do anything with it because that would go against the SIS Act and the super legislation. I have definitely heard people in the past mention they think the government's gonna take all of that super. They actually can't do that, so I don't I don't foresee that happening anytime soon. If they do take your super, then they should be willing to give you all the tax back too because that's the first 12% of your income, your hard earned time that goes into super fee retirement. So that's no.\n\nNo. No. No. Definitely not. Well, I'll make sure that doesn't happen.\n\nBut no. Look. It it definitely goes against the SIS Act because the SIS Act is at a superannuation fund. The superannuation trustee is to hold that money in trust for you when you retire and make that condition of the lease, and that is all held under the CIS Act. So the government is going in there and taking money out of your super, goes against all of that.\n\nAnd, I mean, it's part of as I said, it's part of your income, so they definitely can't do that. But we're as your advisers, we do look at the legislation, look at the changes that are coming in, and see, you know, what we can do to help and talk about the things that are coming. So, you know, if you ever are concerned or hearing anything, do reach out. Let me know. I'm here to definitely help you.\n\nOkay? That's okay. Now just having a look at things with your risk profile. I just wanna make sure when we are looking at your investments that you are invested in the correct risk profile there. So just sort of double checking, we're working on an age of, say, 67 for retirement at the moment.\n\nIs that realistically the the earliest you'd wanna stop working, or do you think maybe the earlier? Yep. Yep. Beautiful. That's okay.\n\nFantastic. We'll take it. So it gives you roughly. Yeah. Absolutely.\n\nYeah. Absolutely. Yes. Yeah. No.\n\nAbsolutely. Not a problem at all. We're working on a sort of six to seven year time horizon. Easy. With the markets with the way investments are, when you're taking on more risk in the markets, you do also risk a downtime.\n\nAnd we know no matter what you were invested in, portfolios and investments will always see some sort of downturns that we need to sort of wade through. When we look at investing, we look at your time horizon, so how long you have between now to when you wanna access it, which helps us to guide how you should be invested. But we also consider, you know, what happens in the event of a downtime, how you might feel. So if we saw your super fall over the next sort of one, two, three, or even five years by, say, 10 or 20%, would you be feeling like you wanna put more money in and take advantage of that? Are you feeling concerned and maybe calling us and seeing what we can do?\n\nOr are you just wanting to sell everything and move to something more more secure? How do you think you might feel? Yeah. Yeah. Beautiful.\n\nLove it. Excellent. It's actually a very good answer. There we go. And I'll just tick the box there for you.\n\nHow do you look at things? So you've only ever owned your main primary residence. Have you ever owned investments outside of super, or have you ever owned an investment property or anything like that? Nope. That's okay.\n\nAnd in the past, have you ever seen your super fall in value before? I know ever sorry. Yep. Okay. So when your super had fallen, it's Yes.\n\nYep. Yep. Yeah. No. Perfect.\n\nAnd that's what we wanna see. Yeah. It is absolutely beautiful. So if it is when you do sort of see your super fall in value a little bit, how do you see you feel about that? Does it make you feel optimistic about the investment opportunities ahead?\n\nAre you a bit concerned? Are you a bit anxious? How does it generally make you feel when you do see a drop a little bit? Yep. Yep.\n\nYep. Perfect. Yep. No. That's absolutely fine.\n\nNot a problem at all. So with where you have scored there at the moment, you get scored as more of a moderate investor. And to give you a bit of an outlook with what your portfolio looks like at the moment inside Super, you're in that balanced growth environment. So that essentially sees about 70% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, precious metals, and then the other 30% in defensive investments, so things like cash, bonds, and fixed interest. A balanced growth investor is considered more conservative.\n\nYou have a preference for mostly income coming out of it, so dividends and income payments that are made out of the investments. You still want some growth, but you have a very low tolerance for ups and downs in the market. This sort of a portfolio, we're expecting and chasing returns of around about six to 8% on a yearly basis compounding that forward. And, normally, it suits someone who has about five years before they're wanting to access their super. And because we always can see investors taking some sort of a downturn, the risk of a negative return in this portfolio is expected kind of one in every six years.\n\nDo you still feel like you're comfortable being in that sort of a portfolio moving forward for a bit longer, or would you like to maybe start reducing that risk a bit? How do you feel? With doing that? Yeah. Perfect.\n\nExcellent. So I'm also having a bit of a look at your investments in your sleep, but just while we're having a bit of a chat and going through that one. All of them have been performing really, really nicely when I look at how it's performed over the past twelve months. You're up net of fees by 13.07%. So it is a really good solid positive return.\n\nBecause I am gonna go back and just have a bit of a look at doing that TTR strategy to see if that can provide some benefit for you, I can see one investment in here that is underperforming, that is underperforming against the rest of the market. So I would like to remove it. So you've got the Benelong Australian Equities as an a managed fund. And when that was put in your portfolio, originally, they had seen some really fantastic growth. But then along in the managed fund, they're actually an active fund manager.\n\nSo that basically means the investment managers behind the scenes, they're choosing when to buy and sell investments, and they're trying to outperform. They're trying to get a better return than the market does, and they're actively managing that funded buying, selling investments on a regular basis to outperform against the rest of the market. Active fund managers often don't perform that well, and they can just outperform the market but don't always. When you have those kinds of active managers in your portfolio, you also can pay a little bit more in fees towards having those there. If you like, I could always look at removing that, putting something else in its space that might be a bit more low cost for you, might also give you a bit more diversification to help with risk mitigation.\n\nDoes that sound okay? Yep. Yep. Beautiful. I know I've said a lot, and we've gone through a bit so far.\n\nDo you have any questions at the moment? Please let me know if you do. No. That's okay. Yep.\n\nBeautiful. Nope. That's okay. That's all good. I just you got one.\n\nFantastic. I love that. Have you been adding it already or not yet? No. Oh, you're building it.\n\nFantastic. Oh, that's beautiful. No. That is awesome. That is really beautiful, honestly.\n\nI love that. That's fantastic. I oh, that's fantastic. I love that. With the caravan, I know you haven't quite got that yet, but it's still an asset that you're about to acquire.\n\nWhat sort of value will that be worth when you do get it? 70,000? Yep. Beautiful. And are there any loans going on the Caravan?\n\nNope. Per perfect. I also have here motor vehicle. Your current vehicle, I'm assuming, asset value is 38,000. Would you keep that the same, do you think?\n\n20,000? Perfect. And what kind of car is it? Yep. That's okay.\n\nMazda. Yeah. No. That's fine. So and yeah.\n\nYeah. Yeah. Perfect. Yep. That's absolutely fine.\n\nOh, fantastic. I'll pop that down here as well. So Isuzu. And what sort of value would you put on that? 40,000?\n\nFantastic. And any loans on the ITC? No. Okay. Beautiful.\n\nI'll just leave it zero and note to be paid off in August. Fantastic. Excellent. And then I also had sorry. You're at?\n\nHot rod. Beautiful. Lovely. Okay. What sort of asking price are you gonna have on it?\n\nYep. Beautiful. We'll put 80 on that one for you. And there's no loans you own that hot rod at. Right?\n\nYes. Beautiful. I also had down here that you had some cash, about 5,000 sitting in a cash account. Do you still happen to have that? Yep.\n\nBeautiful. Is it still 5,000, or is the value increased or changed? Nope. That's okay. Beautiful.\n\nAnd then I've also got down here content that I do like to note as well, especially when we are looking at the retirement and Centrelink aspect. What sort of do you have content insurance on your property? Or yep. Do you know what do you know what the value of your content is? Beautiful.\n\nNow the fun part comes, when I'm valuing assets and looking at Centrelink for, like, age pension and retirement planning and things like that, we actually have well, the fun thing is we actually devalue all your assets for you. So whenever you are applying for the age pension, the one thing Centrelink will ask you on the application is what is the fire sale value? So they're essentially wanting to find out what is if you had to sell all of these things tomorrow, what is the lowest amount you would take for it if you had a garage sale and got rid of everything to liquidate? What's the lowest amount you'd be willing to take for everything? Now your house is fully exempt for settling purposes.\n\nYou're not gonna have the hot rod, so we'll note here that hot rod will be gone to be sold. So you won't have that anymore. We'll assume you've probably got some money sitting in the bank, say, 80,000 sitting in there. Contents wise, when we are looking at Centrelink, we never value content more than 10,000 for a couple. And that's because yeah.\n\nYeah. So we always put 10,000 for a couple for content. Because, realistically, if you have a garage sale, you'd be selling everything for 50¢ a dollar, $2 to try and get money quickly. So Centrelink allow us to reduce your content valuation for them to about 10,000 for a couple. So that's where we go with that one.\n\nWith the iZuzu, what is the lowest you would probably put on that, do you think? 30,000? Yes. Beautiful. Yes.\n\nThat's okay. And then also with your c x five, what's the lowest you'd probably go with that? 10,000? Beautiful. Alright.\n\nSo for 10,000. Excellent. Cash, the 5,000, we do have to keep the same. And the caravan, I know you are building that one, and it is valued quite high. How what's the lowest valuation you would put on that for Centrelink, do you think?\n\nBecause you'll probably have that back then. 50? Yep. Beautiful. Excellent.\n\nSo just based on this and having a look at things, there's definitely eligibility there for Sandlink. I'll just go back and have a bit of a look at it for you. What we sort of do because you are a little bit out from those retirement years, I limited scope this in, and I sort of show you a table with where we're projecting your super to go with the strategies and what we're putting in place over the next few years. But then when we look at the ultimate drawdown, how we look at drawing down your super plus drawing down a bit of age pension and sort of seeing how much longevity we can get out of both of those things for you. Okay?\n\nYep. Beautiful. Absolutely. Yes. Yep.\n\nYep. Okay. Yeah. Yes. Yeah.\n\nOkay. Perfect. I mean, you put the money to good use, so absolutely. Yep. Well, Ron can be very proud that his money's gone to good use for you.\n\nNo. That's okay. Do you do you know roughly how much he'd have left in super at if anything? No. Wrong.\n\nYeah. Okay. No. That's absolutely fine. Yep.\n\nNo. That's absolutely fine. Not a problem at all. All good. Lovely.\n\nWell, I'll note that down there. We'll have a bit of a look at things. I'll look at the TTR strategy, how that can work for you. Income wise, I have you noted as earning about 70,000 per annum. Is that fairly accurate for your income?\n\nNo. What do you settle on now? That's okay. Can I yep? That's alright.\n\nCan I send you an that's absolutely fine? If you want, I'll send you an email after the call. If you can shoot me through a payslip or two just so we can have a look at what your income looks like, and then we can put that to the research for you and see if we can make this TTR work. Does that sound okay? Beautiful.\n\nIn your do you remember last financial year what your income estimate was on your tax return? If you can't, that's okay. Don't worry. With the 80 mark. Yeah.\n\nThat's okay. Beautiful. Yeah. That's absolutely fine. I'll send you an email after the call.\n\nIf you can just shoot me through a pay slip or two, that would be fantastic. The most recent ones are the best ones to go with because it shows what you're earning currently. And then we can go through and have a really good look and do the research and add add it all together and work out how how we can make this work for you. Okay? Beautiful.\n\nAnd you're working part time as a nurse? You're working part time? Point nine. Beautiful. That's technically part time, isn't it?\n\nYes. Beautiful. The point nine hours. Beautiful. Fantastic.\n\nOkay. Beautiful. And that'll be pretty consistent taking that extra shift up? You're, like, doing that all the time? Yep.\n\nBeautiful. Fantastic. Absolutely. That time will come. It's all good.\n\nAt least you get the option to cut that. That's fantastic. Yeah. And just double checking beneficiaries here as well to make sure everything is in order. I've got down here that if in the event of passing that your super is to be paid out to Ronald, he's your spouse, and you're comfortable with that for a 100%?\n\nYep. Fantastic. Let's just look at the other estate planning side of things while we are here as well. I've got down here that you both have a will and power of attorney in place, and you're comfortable with the way those are structured. Is that right?\n\nYep. Fantastic. Excellent. So I've got down here that we're looking at a goal of trying to stop working at about age 67. Do you know when you get to those retirement years, what kind of income you're going to need to live on on a weekly basis to cover expenditure or what you're gonna wanna draw down or live on each week?\n\nYep. Yep. Yep. So about 1,000 dollars a week. Yep.\n\nYep. Beautiful. Not a problem at all. We'll look at that for you. So averaging $52,000 a year income wise.\n\nFantastic. We can look at that. Perfect. And I've just removed the caravan from your goal there, but you still wanna spend your time traveling as much as possible? Yep.\n\nFantastic. The other goal we had here was paying down your mortgage, but that's completely gone now, which is great. Is there any other goals that you have down the track that you're sort of looking at, or is it just working towards time now? Yep. Yep.\n\nYep. Perfect. Do you know okay. No. That's alright.\n\nDo you know roughly what you might be wanting to spend on that car? What's the comfortable amount you might like to spend? Yeah. About 40,000? Beautiful.\n\nFor the car. Yep. Fantastic. I'll pop that in there for you. Beautiful.\n\nBecause it's just another goal to work on as we are looking at retirement planning side of things for you. So excellent. Well, what I'll do now is I'll go back. I'll send you an email after the call just to get you to send me to a couple of payslips. My team will go back.\n\nWe'll go do a bit of research around how this looks, what's gonna help you. I'll look at the investments you have in your super as well, keeping that balance growth kind of area there, and we'll just we'll come back in a couple of weeks. It takes about four to five weeks to kinda do the research properly and come up with the advice for you. And then we'll come back, and we'll have a really good look, And I'll go to the advice document with you, and then you get to decide whether you take the advice or not. Does that sound okay?\n\nThat's okay. That's not a problem at all. It's what we're here for. That's not an issue at all. Is there any questions that you might have at the moment that might have come to mind or anything that I haven't touched on that you wanted to maybe discuss with me as well?\n\nOr no? Beautiful. Beautiful. Beautiful. Well, thank you so much, Sharon.\n\nI really appreciate your time this afternoon. I'm looking forward to putting this advice document together. Absolutely. Not a problem at all. I'm sorry.\n\nBeautiful. Thank you so much for that. It'll come back from my email. So if you do happen to have any questions, you're welcome to reply to me or touch base with me directly at any point in time. And just so you're aware, we haven't spoken before.\n\nBut if you ever wanted to look me up, I'm a registered licensed financial adviser, and my license number is 1304394. I'll also attach the financial services guide to the email, which has all the information about being it for you as well. Okay? My pleasure. You have a lovely afternoon.\n\nThanks for your time. And if there's anything additional that comes up, we'll make sure we touch base. Okay? Thanks, Sharon. You enjoy your afternoon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Sharon.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.13114579021930695},{"text":"This is Dana from Ophi Financial.","start":3.28,"end":4.74,"sentiment":"neutral","sentiment_score":0.16054931779702505},{"text":"How are you today?","start":5.04,"end":6.02,"sentiment":"neutral","sentiment_score":0.1849118433892727},{"text":"That's good.","start":8.0,"end":8.559999,"sentiment":"positive","sentiment_score":0.6491048634052277},{"text":"I have you booked in for a bit of a follow-up conversation in relation to your annual review a few months back.","start":8.559999,"end":13.04,"sentiment":"neutral","sentiment_score":0.24541574039242484}],"sentiment":"neutral","sentiment_score":0.24062752433949047,"num_words":36,"start":2.56,"end":13.04},{"sentences":[{"text":"Is now still a good time there for you?","start":13.04,"end":15.059999,"sentiment":"neutral","sentiment_score":0.2677222788333893},{"text":"Oh, fantastic.","start":18.145,"end":19.525,"sentiment":"positive","sentiment_score":0.5418519079685211},{"text":"And before we jump into the call there, Sarah, and just to let you know, we do record our calls for quality and training purposes.","start":19.825,"end":24.865,"sentiment":"neutral","sentiment_score":0.21500129520893096},{"text":"Are you happy for me to proceed with that?","start":24.865,"end":26.965,"sentiment":"neutral","sentiment_score":0.23597385320398542},{"text":"Fantastic.","start":28.53,"end":29.03,"sentiment":"positive","sentiment_score":0.49175605177879333}],"sentiment":"neutral","sentiment_score":0.24964690078859744,"num_words":46,"start":13.04,"end":29.03},{"sentences":[{"text":"And just to the security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":29.09,"end":34.95,"sentiment":"neutral","sentiment_score":0.21152622280297456},{"text":"Yep.","start":37.73,"end":38.23,"sentiment":"neutral","sentiment_score":0.08415346592664719},{"text":"Beautiful.","start":41.325,"end":41.825,"sentiment":"positive","sentiment_score":0.4259742498397827},{"text":"Thank you so much for that.","start":41.965,"end":43.504997,"sentiment":"positive","sentiment_score":0.5379360715548197},{"text":"So, Sharon, when you did your annual review back in January with my colleague, Michelle, you may have mentioned you wanted to speak to an adviser about looking at some additional ways to save paying additional tax.","start":43.805,"end":55.085,"sentiment":"neutral","sentiment_score":0.09424625306918814}],"sentiment":"neutral","sentiment_score":0.17966754894910586,"num_words":72,"start":29.09,"end":55.085},{"sentences":[{"text":"Does that sound familiar?","start":55.085,"end":56.225,"sentiment":"neutral","sentiment_score":0.0369306281208992},{"text":"Yep.","start":58.769997,"end":59.17,"sentiment":"neutral","sentiment_score":0.06602896004915237},{"text":"Yep.","start":59.17,"end":59.57,"sentiment":"neutral","sentiment_score":0.1169157475233078},{"text":"All good.","start":59.57,"end":60.39,"sentiment":"neutral","sentiment_score":0.22664004564285278},{"text":"Can I start by just sort of finding out a bit more about what it is you're after and what's sort of happening at the moment?","start":61.17,"end":66.79,"sentiment":"neutral","sentiment_score":0.03807948916577376}],"sentiment":"neutral","sentiment_score":0.0521768832250553,"num_words":34,"start":55.085,"end":66.79},{"sentences":[{"text":"Right.","start":71.995,"end":72.475,"sentiment":"neutral","sentiment_score":-0.020202169194817543},{"text":"Yep.","start":72.475,"end":72.875,"sentiment":"neutral","sentiment_score":0.06445161998271942},{"text":"Beautiful.","start":72.875,"end":73.375,"sentiment":"neutral","sentiment_score":0.17461560666561127},{"text":"Yeah.","start":79.835,"end":80.155,"sentiment":"neutral","sentiment_score":0.04270689934492111},{"text":"Yes.","start":80.155,"end":80.555,"sentiment":"neutral","sentiment_score":0.06963956356048584}],"sentiment":"neutral","sentiment_score":0.06624230407178403,"num_words":5,"start":71.995,"end":80.555},{"sentences":[{"text":"So you absolutely can.","start":80.555,"end":81.835,"sentiment":"neutral","sentiment_score":0.08227822091430426},{"text":"So when you say salary sacrificing, your salary sacrificing into super at the moment, or are you salary packaging to elsewhere?","start":81.835,"end":88.229996,"sentiment":"neutral","sentiment_score":-0.00004046345185044959},{"text":"Okay.","start":93.329994,"end":93.81,"sentiment":"neutral","sentiment_score":0.12985974550247192},{"text":"Perfect.","start":93.81,"end":94.28999,"sentiment":"neutral","sentiment_score":0.24952208995819092},{"text":"Well, congratulations.","start":94.28999,"end":95.03,"sentiment":"neutral","sentiment_score":0.3078831881284714}],"sentiment":"neutral","sentiment_score":0.045634874582274595,"num_words":29,"start":80.555,"end":95.03},{"sentences":[{"text":"I love that.","start":95.49,"end":96.465,"sentiment":"neutral","sentiment_score":0.32103822628657025},{"text":"Fantastic.","start":98.704994,"end":99.204994,"sentiment":"positive","sentiment_score":0.45548248291015625},{"text":"Fantastic.","start":99.66499,"end":100.16499,"sentiment":"neutral","sentiment_score":0.29199081659317017},{"text":"Nice.","start":103.505,"end":104.005,"sentiment":"neutral","sentiment_score":0.2370944321155548},{"text":"Nice.","start":104.225,"end":104.725,"sentiment":"neutral","sentiment_score":0.19632086157798767}],"sentiment":"neutral","sentiment_score":0.3062861817223685,"num_words":7,"start":95.49,"end":104.725},{"sentences":[{"text":"Well, there there are definitely ways that we can do this.","start":105.185,"end":108.564995,"sentiment":"neutral","sentiment_score":0.12695323675870895},{"text":"Having a look at things at the moment, now yours 60 at the moment, so you do qualify for some additional strategies.","start":108.704994,"end":115.41,"sentiment":"neutral","sentiment_score":0.09321612085808408},{"text":"One of the additional strategies we can look at is what's called a transition retirement strategy.","start":116.03001,"end":121.01,"sentiment":"neutral","sentiment_score":0.07658691285178065},{"text":"Essentially, this is where we look at opening up a a transitional pension account.","start":122.11,"end":126.945,"sentiment":"neutral","sentiment_score":0.07051176976944719},{"text":"We keep your super open.","start":127.325,"end":128.865,"sentiment":"positive","sentiment_score":0.3573996603488922}],"sentiment":"neutral","sentiment_score":0.10951167569660089,"num_words":68,"start":105.185,"end":128.865},{"sentences":[{"text":"We move most of the money over into this secondary account here.","start":128.925,"end":132.465,"sentiment":"positive","sentiment_score":0.3711981748541196},{"text":"We increase your contributions in the super up to the cap as much as we absolutely can.","start":132.525,"end":137.58,"sentiment":"positive","sentiment_score":0.45223531126976013},{"text":"And because you're over 60, we're able to draw a little bit of money out of super.","start":137.66,"end":142.16,"sentiment":"positive","sentiment_score":0.3486463988528532},{"text":"The money you draw out is completely tax free, and it helps to bring back your tax your net income to where it was prior to the salary sacrifice going in.","start":143.26,"end":153.63501,"sentiment":"positive","sentiment_score":0.3852988024873118},{"text":"So it's kind of a cool strategy where you end up with two super accounts.","start":153.63501,"end":157.55501,"sentiment":"positive","sentiment_score":0.3861852467060089}],"sentiment":"positive","sentiment_score":0.3892000950872898,"num_words":92,"start":128.925,"end":157.55501},{"sentences":[{"text":"You're putting more money into super, but your take home pay stays the same.","start":157.55501,"end":161.55501,"sentiment":"positive","sentiment_score":0.38116211124828886},{"text":"You get to save in the tax side of things because you are putting more money into super, and it can provide a bit of boost to your super fund as well because money inside super is taxed differently to outside of super there.","start":161.55501,"end":174.36,"sentiment":"positive","sentiment_score":0.38907358363609423},{"text":"Would you like me to have a look and see if that might provide a greater benefit to you?","start":176.01999,"end":183.495,"sentiment":"neutral","sentiment_score":0.03618350340739677},{"text":"Yeah.","start":183.495,"end":183.895,"sentiment":"neutral","sentiment_score":-0.013263778761029243},{"text":"You sound a little bit unsure.","start":183.895,"end":185.755,"sentiment":"neutral","sentiment_score":-0.09028151755531628}],"sentiment":"neutral","sentiment_score":0.2689052490251405,"num_words":84,"start":157.55501,"end":185.755},{"sentences":[{"text":"Okay.","start":192.79,"end":193.29,"sentiment":"neutral","sentiment_score":-0.039369769394397736},{"text":"We can have a look at that as well.","start":193.75,"end":195.26999,"sentiment":"neutral","sentiment_score":-0.0012495678125156297},{"text":"That's absolutely fine.","start":195.26999,"end":196.39,"sentiment":"neutral","sentiment_score":0.06340149541695912},{"text":"So let's have a look at your goals and what you're after, and then I can go back and do the do the research, have a look at the advice, look at whether that TTR strategy will suit you, look at, you know, what we're tracking for and how this works.","start":196.39,"end":210.005,"sentiment":"neutral","sentiment_score":0.10177695502837499},{"text":"So just double checking now.","start":210.625,"end":213.105,"sentiment":"neutral","sentiment_score":0.0697122111916542}],"sentiment":"neutral","sentiment_score":0.08230107781085846,"num_words":69,"start":192.79,"end":213.105},{"sentences":[{"text":"I'm just removing because you said you are now debt free.","start":213.105,"end":215.745,"sentiment":"neutral","sentiment_score":0.01868737827647816},{"text":"You've completely paid your mortgage off, which is great.","start":215.745,"end":218.405,"sentiment":"neutral","sentiment_score":0.1417893651458952},{"text":"I've got down here last time we caught up, you were salary sacrificing about $230 per fortnight in the super.","start":220.24,"end":227.6,"sentiment":"neutral","sentiment_score":-0.05743056470528245},{"text":"Is that right?","start":227.6,"end":228.5,"sentiment":"neutral","sentiment_score":0.0027649222562710443},{"text":"Beautiful.","start":229.68001,"end":230.18001,"sentiment":"positive","sentiment_score":0.4749611020088196}],"sentiment":"neutral","sentiment_score":0.018552500500597736,"num_words":44,"start":213.105,"end":230.18001},{"sentences":[{"text":"Excellent.","start":230.32,"end":230.82,"sentiment":"positive","sentiment_score":0.49280133843421936},{"text":"Your goal for accessing super I actually don't have one here.","start":232.345,"end":237.32501,"sentiment":"neutral","sentiment_score":0.10163078649731522},{"text":"When are you sort of hoping to be able to access super and fully retire?","start":238.02501,"end":242.365,"sentiment":"neutral","sentiment_score":0.07837943310538928},{"text":"When's your goal age?","start":242.425,"end":243.88501,"sentiment":"neutral","sentiment_score":0.01313773263245821},{"text":"67.","start":248.20999,"end":249.11,"sentiment":"neutral","sentiment_score":0.25607743859291077}],"sentiment":"neutral","sentiment_score":0.09672062048775842,"num_words":32,"start":230.32,"end":249.11},{"sentences":[{"text":"Beautiful.","start":249.17,"end":249.67,"sentiment":"positive","sentiment_score":0.6643747687339783},{"text":"We can work on that.","start":250.04999,"end":251.34999,"sentiment":"positive","sentiment_score":0.40778760313987733},{"text":"Yeah.","start":253.81,"end":254.20999,"sentiment":"positive","sentiment_score":0.33562952280044556},{"text":"Fantastic.","start":254.20999,"end":254.70999,"sentiment":"positive","sentiment_score":0.6374858617782593},{"text":"Yep.","start":255.73,"end":256.13,"sentiment":"neutral","sentiment_score":0.09612098336219788}],"sentiment":"positive","sentiment_score":0.41917212804158527,"num_words":9,"start":249.17,"end":256.13},{"sentences":[{"text":"Yep.","start":256.13,"end":256.63,"sentiment":"neutral","sentiment_score":0.14572210609912872},{"text":"Absolutely.","start":256.69,"end":257.19,"sentiment":"neutral","sentiment_score":0.2947559654712677},{"text":"Mhmm.","start":262.625,"end":263.125,"sentiment":"neutral","sentiment_score":0.018841426819562912},{"text":"Wow.","start":265.185,"end":265.685,"sentiment":"positive","sentiment_score":0.4465079307556152},{"text":"That is incredible, honestly.","start":265.745,"end":267.525,"sentiment":"positive","sentiment_score":0.5884425789117813}],"sentiment":"positive","sentiment_score":0.4074497180990875,"num_words":8,"start":256.13,"end":267.525},{"sentences":[{"text":"Wow.","start":268.54498,"end":269.025,"sentiment":"positive","sentiment_score":0.4570157825946808},{"text":"And because yeah.","start":269.025,"end":271.44498,"sentiment":"neutral","sentiment_score":0.1834381843606631},{"text":"I love that.","start":271.985,"end":273.04498,"sentiment":"neutral","sentiment_score":-0.04435499074558417},{"text":"Yeah.","start":275.77,"end":276.25,"sentiment":"neutral","sentiment_score":0.020758602768182755},{"text":"Absolutely.","start":276.25,"end":276.75,"sentiment":"neutral","sentiment_score":0.008508727885782719}],"sentiment":"neutral","sentiment_score":0.100392521565987,"num_words":9,"start":268.54498,"end":276.75},{"sentences":[{"text":"Yeah.","start":280.81,"end":281.13,"sentiment":"neutral","sentiment_score":-0.007044587284326553},{"text":"No.","start":281.13,"end":281.37,"sentiment":"neutral","sentiment_score":-0.02594078704714775},{"text":"That's absolutely fine.","start":281.37,"end":283.05,"sentiment":"neutral","sentiment_score":0.09244891876975696},{"text":"Beautiful.","start":283.05,"end":283.55,"sentiment":"positive","sentiment_score":0.4440258145332336},{"text":"We've got a really good healthy super balance looking at things at the moment there.","start":284.33,"end":288.27,"sentiment":"neutral","sentiment_score":0.15724651391307512}],"sentiment":"neutral","sentiment_score":0.14509928120034082,"num_words":21,"start":280.81,"end":288.27},{"sentences":[{"text":"I will go back and obviously have a look at how your suit has invested as well if you like and look at, you know, what how it's been performing, look at whether there's any investments that we maybe need to look at removing out for you.","start":289.60498,"end":301.705,"sentiment":"neutral","sentiment_score":0.02780382442189024},{"text":"With the way you're invested, I'm just having a quick look in the super fund at the moment there now.","start":302.96002,"end":309.06003,"sentiment":"neutral","sentiment_score":0.024794141249731182},{"text":"I'm just double checking.","start":309.12003,"end":310.42,"sentiment":"neutral","sentiment_score":0.022824397310614586},{"text":"Sharon, can I just confirm your middle name?","start":310.88,"end":313.54,"sentiment":"neutral","sentiment_score":0.0057764764642342925},{"text":"Beautiful.","start":315.475,"end":315.975,"sentiment":"neutral","sentiment_score":0.04146159440279007}],"sentiment":"neutral","sentiment_score":0.024770419602282344,"num_words":80,"start":289.60498,"end":315.975},{"sentences":[{"text":"No.","start":316.035,"end":316.19498,"sentiment":"neutral","sentiment_score":-0.03357039391994476},{"text":"It's okay.","start":316.19498,"end":316.755,"sentiment":"neutral","sentiment_score":-0.002245114534161985},{"text":"I'm just making sure I'm looking at the same one because believe it or not, your name is actually very common.","start":316.755,"end":321.57498,"sentiment":"neutral","sentiment_score":0.0048773956036062115},{"text":"Just wanna make sure I'm not giving you anything incorrect.","start":323.955,"end":326.775,"sentiment":"neutral","sentiment_score":-0.055590230785310266},{"text":"Let's have a look.","start":328.035,"end":329.095,"sentiment":"neutral","sentiment_score":0.03370797913521528}],"sentiment":"neutral","sentiment_score":-0.00938699227959947,"num_words":38,"start":316.035,"end":329.095},{"sentences":[{"text":"How's it all going?","start":331.05,"end":335.53,"sentiment":"neutral","sentiment_score":0.050504147075116634},{"text":"Right.","start":335.53,"end":336.01,"sentiment":"neutral","sentiment_score":0.0068853916600346565},{"text":"Okay.","start":336.01,"end":336.51,"sentiment":"neutral","sentiment_score":-0.010966617614030838},{"text":"So he doesn't have anything in the way of super or much?","start":336.65,"end":339.95,"sentiment":"neutral","sentiment_score":-0.09000024013221264},{"text":"Okay.","start":342.25,"end":342.75,"sentiment":"neutral","sentiment_score":-0.06448677182197571}],"sentiment":"neutral","sentiment_score":-0.049818646898003,"num_words":19,"start":331.05,"end":342.75},{"sentences":[{"text":"Okay.","start":345.305,"end":345.805,"sentiment":"neutral","sentiment_score":-0.02083878591656685},{"text":"Right.","start":347.305,"end":347.805,"sentiment":"neutral","sentiment_score":-0.03683140501379967},{"text":"Okay.","start":347.865,"end":348.26498,"sentiment":"neutral","sentiment_score":-0.0558859184384346},{"text":"I'm having a look here at your notes.","start":348.26498,"end":349.965,"sentiment":"neutral","sentiment_score":-0.06198930274695158},{"text":"It made mention that he wasn't working at all.","start":350.10498,"end":352.985,"sentiment":"neutral","sentiment_score":-0.19385702742470634}],"sentiment":"neutral","sentiment_score":-0.11770918890833855,"num_words":20,"start":345.305,"end":352.985},{"sentences":[{"text":"He'd hurt himself and wasn't able to work from January.","start":352.985,"end":356.04498,"sentiment":"neutral","sentiment_score":-0.2498605653643608},{"text":"Yeah.","start":356.665,"end":357.165,"sentiment":"neutral","sentiment_score":-0.06759374588727951},{"text":"So sorry to hear that.","start":358.78,"end":360.14,"sentiment":"negative","sentiment_score":-0.5010786592960358},{"text":"That's awful.","start":360.14,"end":361.04,"sentiment":"negative","sentiment_score":-0.7061496376991272},{"text":"And can I ask how old was Ron?","start":363.02,"end":365.28,"sentiment":"neutral","sentiment_score":-0.03119985619559884}],"sentiment":"neutral","sentiment_score":-0.25898041619131196,"num_words":26,"start":352.985,"end":365.28},{"sentences":[{"text":"How old your husband, Ronald, I believe?","start":367.26,"end":369.44,"sentiment":"neutral","sentiment_score":-0.032307911930339675},{"text":"Fifty four.","start":370.375,"end":371.815,"sentiment":"neutral","sentiment_score":-0.004782709293067455},{"text":"Oh, 64.","start":371.815,"end":372.775,"sentiment":"neutral","sentiment_score":0.013565768953412771},{"text":"Yep.","start":372.775,"end":373.095,"sentiment":"neutral","sentiment_score":0.06875437498092651},{"text":"Okay.","start":373.095,"end":373.57498,"sentiment":"neutral","sentiment_score":0.24107064306735992}],"sentiment":"neutral","sentiment_score":0.007787365681276872,"num_words":13,"start":367.26,"end":373.57498},{"sentences":[{"text":"Perfect.","start":373.57498,"end":374.07498,"sentiment":"positive","sentiment_score":0.5858051776885986},{"text":"Excellent.","start":374.775,"end":375.255,"sentiment":"positive","sentiment_score":0.6094245910644531},{"text":"So he'll be reaching a 67 prior to you, a bit earlier than you.","start":375.255,"end":379.275,"sentiment":"neutral","sentiment_score":0.16067487852913992},{"text":"That's okay.","start":380.29498,"end":381.115,"sentiment":"neutral","sentiment_score":0.31583182513713837},{"text":"Good to sort of take into account because age pension eligibility is when the oldest one of you reaches age 67.","start":383.58002,"end":392.06,"sentiment":"neutral","sentiment_score":0.3077809569381532}],"sentiment":"neutral","sentiment_score":0.27024979010606426,"num_words":39,"start":373.57498,"end":392.06},{"sentences":[{"text":"So because he's 64 now, he'll reach 67 prior to you, which means he'll be eligible to access the age pension prior.","start":392.06,"end":399.92502,"sentiment":"neutral","sentiment_score":0.1890720823271708},{"text":"So I can even look at that.","start":401.265,"end":403.20502,"sentiment":"neutral","sentiment_score":-0.03153062239289284},{"text":"Depends on what your income is.","start":404.945,"end":406.805,"sentiment":"neutral","sentiment_score":-0.05853410127262274},{"text":"They do allow your assessment of the income and the assets test, and it depends on what your income is.","start":407.585,"end":413.53,"sentiment":"neutral","sentiment_score":-0.045189216267317533},{"text":"So at the moment, the threshold is, and I can tell you what the maximum is actually not too bad at all.","start":413.53,"end":420.50998,"sentiment":"neutral","sentiment_score":0.0028344993056221442}],"sentiment":"neutral","sentiment_score":0.03566547410635205,"num_words":77,"start":392.06,"end":420.50998},{"sentences":[{"text":"And it Can definitely change because they index these twice a year around the March 20 and the September 20.","start":422.72998,"end":430.125,"sentiment":"neutral","sentiment_score":0.03776448974385858},{"text":"I'm just double checking the threshold for single people.","start":432.26498,"end":435.065,"sentiment":"neutral","sentiment_score":0.015314442209071584},{"text":"Sorry.","start":435.065,"end":435.385,"sentiment":"neutral","sentiment_score":-0.05402827262878418},{"text":"I've been looking at the threshold for couples for the last few weeks.","start":435.385,"end":439.05,"sentiment":"neutral","sentiment_score":-0.04602537791316326},{"text":"So at the moment, the maximum so you would be under a couple living together even though he would be the only one eligible to receive the age pension.","start":439.05,"end":456.255,"sentiment":"neutral","sentiment_score":-0.032503482403940166}],"sentiment":"neutral","sentiment_score":-0.009747769450768828,"num_words":72,"start":422.72998,"end":456.255},{"sentences":[{"text":"So fortnightly income cutoff point would be 4,000 per annum combined before he would be not eligible for any age pension whatever whatsoever.","start":456.955,"end":466.735,"sentiment":"neutral","sentiment_score":-0.06137015492371891},{"text":"So say 4,026 fortnight.","start":467.22,"end":472.6,"sentiment":"neutral","sentiment_score":-0.01004977140109986},{"text":"It's actually not bad.","start":474.66,"end":475.62,"sentiment":"neutral","sentiment_score":-0.08713402971625328},{"text":"It's about it's quite a huge sum of money.","start":475.62,"end":478.18,"sentiment":"neutral","sentiment_score":-0.19405542645189497},{"text":"Yeah.","start":478.18,"end":478.68,"sentiment":"neutral","sentiment_score":-0.026772337034344673}],"sentiment":"neutral","sentiment_score":-0.08715902299552065,"num_words":41,"start":456.955,"end":478.68},{"sentences":[{"text":"Yeah.","start":480.14502,"end":480.545,"sentiment":"neutral","sentiment_score":-0.007074838504195213},{"text":"It's about a 100 thousand dollars a year.","start":480.545,"end":482.545,"sentiment":"neutral","sentiment_score":-0.01784450374543667},{"text":"So, realistically, even sorry?","start":482.545,"end":486.405,"sentiment":"neutral","sentiment_score":-0.05001844884827733},{"text":"Yeah.","start":489.185,"end":489.505,"sentiment":"neutral","sentiment_score":-0.0257191713899374},{"text":"So it goes on your income.","start":489.505,"end":491.025,"sentiment":"neutral","sentiment_score":-0.042324794456362724}],"sentiment":"neutral","sentiment_score":-0.031478630099445584,"num_words":20,"start":480.14502,"end":491.025},{"sentences":[{"text":"So what happens is in order to apply for age pension, even though he'll be the only one eligible, he'll he'll apply, and they'll assess all of your joint assets together.","start":491.025,"end":501.65002,"sentiment":"neutral","sentiment_score":0.04032824314650028},{"text":"So your your cards, your contents, all your savings accounts.","start":501.65002,"end":505.67,"sentiment":"neutral","sentiment_score":0.09006947055459022},{"text":"If you're not 67, your accumulation super won't be assessable.","start":506.355,"end":510.375,"sentiment":"neutral","sentiment_score":-0.026293953135609626},{"text":"But if you have anything in a pension phase, that will be assessable.","start":510.435,"end":514.215,"sentiment":"neutral","sentiment_score":0.05957904945199306},{"text":"His super is assessable as well.","start":514.995,"end":517.015,"sentiment":"positive","sentiment_score":0.3393923143545787}],"sentiment":"neutral","sentiment_score":0.06712588915335281,"num_words":70,"start":491.025,"end":517.015},{"sentences":[{"text":"And, essentially, they can they assess both of you together as a a couple because if you pass away, he's still eligible to keep all of the assets, essentially, and all the money and things like that and inherit everything.","start":517.875,"end":528.49,"sentiment":"positive","sentiment_score":0.34033173993229865},{"text":"So they assess the both of you together.","start":528.49,"end":530.91,"sentiment":"neutral","sentiment_score":0.25730601884424686},{"text":"And if you're working, they assess your income, and then they give him the difference between what you're earning and what he's eligible for.","start":531.29,"end":539.865,"sentiment":"neutral","sentiment_score":0.12950873840600252},{"text":"So yeah.","start":539.865,"end":541.40497,"sentiment":"neutral","sentiment_score":0.3235601633787155},{"text":"Yeah.","start":541.865,"end":542.345,"sentiment":"neutral","sentiment_score":0.13786786794662476}],"sentiment":"neutral","sentiment_score":0.2608655421932538,"num_words":75,"start":517.875,"end":542.345},{"sentences":[{"text":"So there is there is still a bit out there for you.","start":542.345,"end":544.745,"sentiment":"neutral","sentiment_score":-0.0601689787581563},{"text":"I spoke to someone a few hours ago who was like, I'm not gonna be able to get each pension.","start":544.745,"end":548.92004,"sentiment":"neutral","sentiment_score":-0.14248951859772205},{"text":"I was like, no.","start":548.92004,"end":549.62006,"sentiment":"neutral","sentiment_score":-0.1912645809352398},{"text":"No.","start":549.62006,"end":549.78,"sentiment":"neutral","sentiment_score":-0.2572333812713623},{"text":"You are.","start":549.78,"end":550.34,"sentiment":"neutral","sentiment_score":-0.17050092667341232}],"sentiment":"neutral","sentiment_score":-0.12654132501055032,"num_words":39,"start":542.345,"end":550.34},{"sentences":[{"text":"Yeah.","start":550.34,"end":550.66003,"sentiment":"neutral","sentiment_score":-0.014258641749620438},{"text":"You currently, it looks like you might be able to.","start":550.66003,"end":553.14,"sentiment":"neutral","sentiment_score":0.014532148838043213},{"text":"You're eligible.","start":553.14,"end":554.2,"sentiment":"neutral","sentiment_score":0.007229899987578392},{"text":"So what do you mean?","start":554.42004,"end":561.0,"sentiment":"neutral","sentiment_score":-0.049727446585893634},{"text":"Yeah.","start":564.875,"end":565.375,"sentiment":"neutral","sentiment_score":-0.029102319851517677}],"sentiment":"neutral","sentiment_score":-0.006958784535527229,"num_words":19,"start":550.34,"end":565.375},{"sentences":[{"text":"Yeah.","start":568.875,"end":569.375,"sentiment":"neutral","sentiment_score":-0.06853996217250824},{"text":"Oh, I don't see any of that happening at the moment.","start":574.555,"end":577.755,"sentiment":"neutral","sentiment_score":-0.19560996646230872},{"text":"So superannuation goes under a set legislation where super because it's part of your income, the first 12% of your income is put into super, but it's still considered income and it's still included in your assessable income for taxation.","start":577.755,"end":593.495,"sentiment":"neutral","sentiment_score":-0.01611024874728173},{"text":"So, essentially, that is partly your money.","start":593.715,"end":597.495,"sentiment":"neutral","sentiment_score":0.04987604330692973},{"text":"And the idea the superannuation legislation is that super is to be held for the benefit of the member for retirement years.","start":597.795,"end":606.215,"sentiment":"neutral","sentiment_score":0.07311197590421546}],"sentiment":"neutral","sentiment_score":-0.011198318149480555,"num_words":81,"start":568.875,"end":606.215},{"sentences":[{"text":"So there's nothing in the legislation that says the government can access that, take the money away, or do anything with it because that would go against the SIS Act and the super legislation.","start":607.01996,"end":616.24,"sentiment":"negative","sentiment_score":-0.510810614508741},{"text":"I have definitely heard people in the past mention they think the government's gonna take all of that super.","start":617.42,"end":622.16,"sentiment":"neutral","sentiment_score":-0.3086998148968345},{"text":"They actually can't do that, so I don't I don't foresee that happening anytime soon.","start":622.515,"end":627.875,"sentiment":"neutral","sentiment_score":-0.15628335724274317},{"text":"If they do take your super, then they should be willing to give you all the tax back too because that's the first 12% of your income, your hard earned time that goes into super fee retirement.","start":627.875,"end":639.38,"sentiment":"neutral","sentiment_score":0.03257028255108241},{"text":"So that's no.","start":639.92004,"end":648.9,"sentiment":"neutral","sentiment_score":-0.2711211716135343}],"sentiment":"neutral","sentiment_score":-0.23319787773545142,"num_words":108,"start":607.01996,"end":648.9},{"sentences":[{"text":"No.","start":649.755,"end":650.255,"sentiment":"negative","sentiment_score":-0.4040160179138184},{"text":"No.","start":650.395,"end":650.47504,"sentiment":"negative","sentiment_score":-0.4128650426864624},{"text":"No.","start":650.47504,"end":650.955,"sentiment":"negative","sentiment_score":-0.43823495507240295},{"text":"Definitely not.","start":650.955,"end":652.155,"sentiment":"negative","sentiment_score":-0.44488970935344696},{"text":"Well, I'll make sure that doesn't happen.","start":652.155,"end":654.015,"sentiment":"negative","sentiment_score":-0.33630145873342243}],"sentiment":"negative","sentiment_score":-0.3749171371261279,"num_words":12,"start":649.755,"end":654.015},{"sentences":[{"text":"But no.","start":654.955,"end":655.435,"sentiment":"neutral","sentiment_score":-0.2486683949828148},{"text":"Look.","start":655.435,"end":655.675,"sentiment":"neutral","sentiment_score":-0.3302817940711975},{"text":"It it definitely goes against the SIS Act because the SIS Act is at a superannuation fund.","start":655.675,"end":659.91504,"sentiment":"negative","sentiment_score":-0.3942344837328967},{"text":"The superannuation trustee is to hold that money in trust for you when you retire and make that condition of the lease, and that is all held under the CIS Act.","start":659.91504,"end":668.79004,"sentiment":"neutral","sentiment_score":-0.11519133203452633},{"text":"So the government is going in there and taking money out of your super, goes against all of that.","start":668.79004,"end":673.85004,"sentiment":"negative","sentiment_score":-0.4874314148175089}],"sentiment":"neutral","sentiment_score":-0.29088189974427225,"num_words":70,"start":654.955,"end":673.85004},{"sentences":[{"text":"And, I mean, it's part of as I said, it's part of your income, so they definitely can't do that.","start":674.07,"end":679.05005,"sentiment":"neutral","sentiment_score":-0.24726423099637032},{"text":"But we're as your advisers, we do look at the legislation, look at the changes that are coming in, and see, you know, what we can do to help and talk about the things that are coming.","start":679.545,"end":687.385,"sentiment":"neutral","sentiment_score":0.022319249934642703},{"text":"So, you know, if you ever are concerned or hearing anything, do reach out.","start":687.385,"end":691.785,"sentiment":"neutral","sentiment_score":0.10038225672074727},{"text":"Let me know.","start":691.785,"end":692.425,"sentiment":"neutral","sentiment_score":0.18239479760328928},{"text":"I'm here to definitely help you.","start":692.425,"end":694.205,"sentiment":"neutral","sentiment_score":0.23463857173919678}],"sentiment":"neutral","sentiment_score":-0.009488811937626452,"num_words":80,"start":674.07,"end":694.205},{"sentences":[{"text":"Okay?","start":694.265,"end":694.765,"sentiment":"neutral","sentiment_score":0.20366805791854856},{"text":"That's okay.","start":696.32,"end":697.3,"sentiment":"neutral","sentiment_score":0.32662132382392883},{"text":"Now just having a look at things with your risk profile.","start":697.92,"end":701.94,"sentiment":"neutral","sentiment_score":0.04671680952676318},{"text":"I just wanna make sure when we are looking at your investments that you are invested in the correct risk profile there.","start":702.07996,"end":708.95996,"sentiment":"neutral","sentiment_score":0.009531780061396685},{"text":"So just sort of double checking, we're working on an age of, say, 67 for retirement at the moment.","start":708.95996,"end":715.35504,"sentiment":"neutral","sentiment_score":-0.004138068737168061}],"sentiment":"neutral","sentiment_score":0.027306753921915183,"num_words":55,"start":694.265,"end":715.35504},{"sentences":[{"text":"Is that realistically the the earliest you'd wanna stop working, or do you think maybe the earlier?","start":715.495,"end":721.515,"sentiment":"neutral","sentiment_score":-0.11825957587536644},{"text":"Yep.","start":727.72003,"end":728.04004,"sentiment":"neutral","sentiment_score":0.06169550865888595},{"text":"Yep.","start":728.04004,"end":728.36005,"sentiment":"neutral","sentiment_score":0.15685488283634186},{"text":"Beautiful.","start":728.36005,"end":728.86005,"sentiment":"positive","sentiment_score":0.5150784254074097},{"text":"That's okay.","start":729.0,"end":729.74005,"sentiment":"positive","sentiment_score":0.34815119206905365}],"sentiment":"neutral","sentiment_score":-0.026385526765476574,"num_words":22,"start":715.495,"end":729.74005},{"sentences":[{"text":"Fantastic.","start":731.64,"end":732.14,"sentiment":"positive","sentiment_score":0.7235848307609558},{"text":"We'll take it.","start":732.44,"end":733.64,"sentiment":"positive","sentiment_score":0.5202708741029104},{"text":"So it gives you roughly.","start":733.64,"end":735.02,"sentiment":"neutral","sentiment_score":-0.013499676808714866},{"text":"Yeah.","start":740.255,"end":740.755,"sentiment":"neutral","sentiment_score":-0.0552382692694664},{"text":"Absolutely.","start":741.21497,"end":741.71497,"sentiment":"neutral","sentiment_score":-0.05875799059867859}],"sentiment":"neutral","sentiment_score":0.19117298265072433,"num_words":11,"start":731.64,"end":741.71497},{"sentences":[{"text":"Yeah.","start":743.21497,"end":743.71497,"sentiment":"neutral","sentiment_score":-0.023528730496764183},{"text":"Absolutely.","start":744.65497,"end":745.15497,"sentiment":"neutral","sentiment_score":-0.02948075719177723},{"text":"Yes.","start":747.21497,"end":747.71497,"sentiment":"neutral","sentiment_score":-0.09894179552793504},{"text":"Yeah.","start":751.71,"end":752.19,"sentiment":"neutral","sentiment_score":0.009004242718219757},{"text":"No.","start":752.19,"end":752.59,"sentiment":"neutral","sentiment_score":0.020093392580747604}],"sentiment":"neutral","sentiment_score":-0.024570729583501816,"num_words":5,"start":743.21497,"end":752.59},{"sentences":[{"text":"Absolutely.","start":752.59,"end":753.09,"sentiment":"neutral","sentiment_score":0.070974200963974},{"text":"Not a problem at all.","start":753.63,"end":754.59,"sentiment":"neutral","sentiment_score":0.12523227632045747},{"text":"We're working on a sort of six to seven year time horizon.","start":754.59,"end":757.41003,"sentiment":"neutral","sentiment_score":0.05810161711027225},{"text":"Easy.","start":758.11,"end":758.61,"sentiment":"neutral","sentiment_score":0.08463714271783829},{"text":"With the markets with the way investments are, when you're taking on more risk in the markets, you do also risk a downtime.","start":759.55,"end":766.71497,"sentiment":"neutral","sentiment_score":-0.07756728824713956}],"sentiment":"neutral","sentiment_score":-0.007263226168496268,"num_words":42,"start":752.59,"end":766.71497},{"sentences":[{"text":"And we know no matter what you were invested in, portfolios and investments will always see some sort of downturns that we need to sort of wade through.","start":766.77496,"end":775.915,"sentiment":"neutral","sentiment_score":-0.12289952061006001},{"text":"When we look at investing, we look at your time horizon, so how long you have between now to when you wanna access it, which helps us to guide how you should be invested.","start":776.31,"end":785.37,"sentiment":"neutral","sentiment_score":0.03528976478778264},{"text":"But we also consider, you know, what happens in the event of a downtime, how you might feel.","start":785.83,"end":791.45,"sentiment":"neutral","sentiment_score":-0.05841820780187845},{"text":"So if we saw your super fall over the next sort of one, two, three, or even five years by, say, 10 or 20%, would you be feeling like you wanna put more money in and take advantage of that?","start":791.73505,"end":804.66,"sentiment":"neutral","sentiment_score":-0.06624223357066512},{"text":"Are you feeling concerned and maybe calling us and seeing what we can do?","start":804.98,"end":808.83997,"sentiment":"neutral","sentiment_score":-0.14320048157657897}],"sentiment":"neutral","sentiment_score":-0.05930864477335517,"num_words":134,"start":766.77496,"end":808.83997},{"sentences":[{"text":"Or are you just wanting to sell everything and move to something more more secure?","start":809.06,"end":813.45996,"sentiment":"neutral","sentiment_score":-0.11264725923538207},{"text":"How do you think you might feel?","start":813.45996,"end":815.16,"sentiment":"neutral","sentiment_score":-0.08352637024862426},{"text":"Yeah.","start":819.15497,"end":819.315,"sentiment":"neutral","sentiment_score":0.11585281789302826},{"text":"Yeah.","start":819.315,"end":819.71497,"sentiment":"neutral","sentiment_score":0.2870652377605438},{"text":"Beautiful.","start":819.71497,"end":820.21497,"sentiment":"positive","sentiment_score":0.7731200456619263}],"sentiment":"neutral","sentiment_score":-0.043934215158224106,"num_words":25,"start":809.06,"end":820.21497},{"sentences":[{"text":"Love it.","start":820.515,"end":820.915,"sentiment":"positive","sentiment_score":0.8337571620941162},{"text":"Excellent.","start":820.915,"end":821.415,"sentiment":"positive","sentiment_score":0.810062050819397},{"text":"It's actually a very good answer.","start":821.475,"end":822.855,"sentiment":"positive","sentiment_score":0.6878528396288554},{"text":"There we go.","start":824.195,"end":825.175,"sentiment":"neutral","sentiment_score":0.22925744454065958},{"text":"And I'll just tick the box there for you.","start":826.915,"end":829.415,"sentiment":"neutral","sentiment_score":0.11878808587789536}],"sentiment":"positive","sentiment_score":0.3981694533001809,"num_words":21,"start":820.515,"end":829.415},{"sentences":[{"text":"How do you look at things?","start":830.03,"end":830.91003,"sentiment":"neutral","sentiment_score":0.019211682801445324},{"text":"So you've only ever owned your main primary residence.","start":830.91003,"end":833.79004,"sentiment":"neutral","sentiment_score":0.005894066610683997},{"text":"Have you ever owned investments outside of super, or have you ever owned an investment property or anything like that?","start":833.79004,"end":840.21,"sentiment":"neutral","sentiment_score":0.0025742972502484918},{"text":"Nope.","start":841.79004,"end":842.03,"sentiment":"neutral","sentiment_score":-0.08762191236019135},{"text":"That's okay.","start":842.03,"end":842.85004,"sentiment":"neutral","sentiment_score":-0.05599035881459713}],"sentiment":"neutral","sentiment_score":0.0005315792452740041,"num_words":38,"start":830.03,"end":842.85004},{"sentences":[{"text":"And in the past, have you ever seen your super fall in value before?","start":843.195,"end":848.015,"sentiment":"neutral","sentiment_score":-0.06446132941969804},{"text":"I know ever sorry.","start":848.315,"end":851.055,"sentiment":"neutral","sentiment_score":-0.06348808575421572},{"text":"Yep.","start":854.235,"end":854.555,"sentiment":"neutral","sentiment_score":-0.009405655786395071},{"text":"Okay.","start":854.555,"end":855.055,"sentiment":"neutral","sentiment_score":-0.005315903574228287},{"text":"So when your super had fallen, it's Yes.","start":855.115,"end":859.25,"sentiment":"neutral","sentiment_score":-0.0016723367443773891}],"sentiment":"neutral","sentiment_score":-0.04230397172172421,"num_words":28,"start":843.195,"end":859.25},{"sentences":[{"text":"Yep.","start":859.79004,"end":860.29004,"sentiment":"neutral","sentiment_score":0.008810175582766533},{"text":"Yep.","start":861.55,"end":861.87,"sentiment":"neutral","sentiment_score":0.011757351458072662},{"text":"Yeah.","start":861.87,"end":862.19,"sentiment":"neutral","sentiment_score":0.01069945190101862},{"text":"No.","start":862.19,"end":862.51,"sentiment":"neutral","sentiment_score":0.007172765210270882},{"text":"Perfect.","start":862.51,"end":862.91003,"sentiment":"neutral","sentiment_score":0.08932941406965256}],"sentiment":"neutral","sentiment_score":0.02555383164435625,"num_words":5,"start":859.79004,"end":862.91003},{"sentences":[{"text":"And that's what we wanna see.","start":862.91003,"end":864.37,"sentiment":"neutral","sentiment_score":0.012347108374039331},{"text":"Yeah.","start":864.43,"end":864.93,"sentiment":"neutral","sentiment_score":0.012924835085868835},{"text":"It is absolutely beautiful.","start":867.87,"end":870.05,"sentiment":"neutral","sentiment_score":0.15413840673863888},{"text":"So if it is when you do sort of see your super fall in value a little bit, how do you see you feel about that?","start":870.60504,"end":875.72504,"sentiment":"neutral","sentiment_score":0.00956225825043825},{"text":"Does it make you feel optimistic about the investment opportunities ahead?","start":875.72504,"end":879.325,"sentiment":"neutral","sentiment_score":0.06528035348111932}],"sentiment":"neutral","sentiment_score":0.03479716073100766,"num_words":48,"start":862.91003,"end":879.325},{"sentences":[{"text":"Are you a bit concerned?","start":879.325,"end":880.465,"sentiment":"neutral","sentiment_score":-0.10300504863262176},{"text":"Are you a bit anxious?","start":880.60504,"end":881.745,"sentiment":"neutral","sentiment_score":-0.13985367715358735},{"text":"How does it generally make you feel when you do see a drop a little bit?","start":881.885,"end":885.34503,"sentiment":"neutral","sentiment_score":-0.1209503966383636},{"text":"Yep.","start":888.26,"end":888.76,"sentiment":"neutral","sentiment_score":-0.10213783383369446},{"text":"Yep.","start":890.26,"end":890.76,"sentiment":"neutral","sentiment_score":-0.004196132067590952}],"sentiment":"neutral","sentiment_score":-0.11627978360879102,"num_words":28,"start":879.325,"end":890.76},{"sentences":[{"text":"Yep.","start":891.22,"end":891.72,"sentiment":"neutral","sentiment_score":-0.00031742145074531436},{"text":"Perfect.","start":891.86,"end":892.36,"sentiment":"neutral","sentiment_score":0.043236665427684784},{"text":"Yep.","start":896.26,"end":896.66,"sentiment":"neutral","sentiment_score":0.0099895391613245},{"text":"No.","start":896.66,"end":896.82,"sentiment":"neutral","sentiment_score":0.013661043718457222},{"text":"That's absolutely fine.","start":896.82,"end":898.26,"sentiment":"neutral","sentiment_score":0.08478628347317378}],"sentiment":"neutral","sentiment_score":0.04584695389660608,"num_words":7,"start":891.22,"end":898.26},{"sentences":[{"text":"Not a problem at all.","start":898.26,"end":899.625,"sentiment":"neutral","sentiment_score":0.15893756598234177},{"text":"So with where you have scored there at the moment, you get scored as more of a moderate investor.","start":899.865,"end":904.525,"sentiment":"neutral","sentiment_score":0.10323943864358098},{"text":"And to give you a bit of an outlook with what your portfolio looks like at the moment inside Super, you're in that balanced growth environment.","start":904.985,"end":911.885,"sentiment":"neutral","sentiment_score":0.10877303865093452},{"text":"So that essentially sees about 70% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities like gold and silver, precious metals, and then the other 30% in defensive investments, so things like cash, bonds, and fixed interest.","start":912.025,"end":931.045,"sentiment":"neutral","sentiment_score":0.05186308230808441},{"text":"A balanced growth investor is considered more conservative.","start":932.145,"end":935.205,"sentiment":"neutral","sentiment_score":0.23409193940460682}],"sentiment":"neutral","sentiment_score":0.09423463383600825,"num_words":105,"start":898.26,"end":935.205},{"sentences":[{"text":"You have a preference for mostly income coming out of it, so dividends and income payments that are made out of the investments.","start":935.505,"end":942.64,"sentiment":"neutral","sentiment_score":0.1616373509168625},{"text":"You still want some growth, but you have a very low tolerance for ups and downs in the market.","start":942.64,"end":947.86005,"sentiment":"neutral","sentiment_score":-0.029902721314053787},{"text":"This sort of a portfolio, we're expecting and chasing returns of around about six to 8% on a yearly basis compounding that forward.","start":949.52,"end":957.315,"sentiment":"neutral","sentiment_score":0.09222688704081204},{"text":"And, normally, it suits someone who has about five years before they're wanting to access their super.","start":957.69495,"end":962.83496,"sentiment":"neutral","sentiment_score":0.02779731190907221},{"text":"And because we always can see investors taking some sort of a downturn, the risk of a negative return in this portfolio is expected kind of one in every six years.","start":963.855,"end":973.69,"sentiment":"neutral","sentiment_score":-0.31913746677098737}],"sentiment":"neutral","sentiment_score":-0.03672549910961848,"num_words":113,"start":935.505,"end":973.69},{"sentences":[{"text":"Do you still feel like you're comfortable being in that sort of a portfolio moving forward for a bit longer, or would you like to maybe start reducing that risk a bit?","start":975.19,"end":983.50494,"sentiment":"neutral","sentiment_score":-0.04954881186131388},{"text":"How do you feel?","start":983.50494,"end":984.565,"sentiment":"neutral","sentiment_score":-0.007470685988664627},{"text":"With doing that?","start":989.105,"end":989.90497,"sentiment":"neutral","sentiment_score":0.05223188176751137},{"text":"Yeah.","start":989.90497,"end":990.305,"sentiment":"neutral","sentiment_score":0.12221896648406982},{"text":"Perfect.","start":990.305,"end":990.805,"sentiment":"positive","sentiment_score":0.5696256160736084}],"sentiment":"neutral","sentiment_score":-0.018704987698938788,"num_words":41,"start":975.19,"end":990.805},{"sentences":[{"text":"Excellent.","start":990.865,"end":991.365,"sentiment":"positive","sentiment_score":0.5599196553230286},{"text":"So I'm also having a bit of a look at your investments in your sleep, but just while we're having a bit of a chat and going through that one.","start":992.14496,"end":998.22,"sentiment":"neutral","sentiment_score":0.23218927631775538},{"text":"All of them have been performing really, really nicely when I look at how it's performed over the past twelve months.","start":998.54,"end":1005.19995,"sentiment":"positive","sentiment_score":0.49061752500988187},{"text":"You're up net of fees by 13.07%.","start":1005.25995,"end":1009.42,"sentiment":"positive","sentiment_score":0.5547564199992588},{"text":"So it is a really good solid positive return.","start":1009.42,"end":1012.07996,"sentiment":"positive","sentiment_score":0.5794991619057126}],"sentiment":"positive","sentiment_score":0.3959904906942564,"num_words":68,"start":990.865,"end":1012.07996},{"sentences":[{"text":"Because I am gonna go back and just have a bit of a look at doing that TTR strategy to see if that can provide some benefit for you, I can see one investment in here that is underperforming, that is underperforming against the rest of the market.","start":1013.425,"end":1028.66,"sentiment":"neutral","sentiment_score":-0.011808583978563547},{"text":"So I would like to remove it.","start":1028.72,"end":1030.48,"sentiment":"neutral","sentiment_score":-0.11332562459366662},{"text":"So you've got the Benelong Australian Equities as an a managed fund.","start":1030.48,"end":1034.58,"sentiment":"neutral","sentiment_score":0.03295244819795092},{"text":"And when that was put in your portfolio, originally, they had seen some really fantastic growth.","start":1035.28,"end":1040.42,"sentiment":"neutral","sentiment_score":0.2069608517922461},{"text":"But then along in the managed fund, they're actually an active fund manager.","start":1040.9249,"end":1045.0249,"sentiment":"neutral","sentiment_score":0.0873370823951868}],"sentiment":"neutral","sentiment_score":0.03627180911522979,"num_words":96,"start":1013.425,"end":1045.0249},{"sentences":[{"text":"So that basically means the investment managers behind the scenes, they're choosing when to buy and sell investments, and they're trying to outperform.","start":1045.1649,"end":1053.0249,"sentiment":"neutral","sentiment_score":0.07730540795170743},{"text":"They're trying to get a better return than the market does, and they're actively managing that funded buying, selling investments on a regular basis to outperform against the rest of the market.","start":1053.1649,"end":1062.81,"sentiment":"neutral","sentiment_score":0.19510843907482922},{"text":"Active fund managers often don't perform that well, and they can just outperform the market but don't always.","start":1064.39,"end":1070.73,"sentiment":"neutral","sentiment_score":0.011976148829691939},{"text":"When you have those kinds of active managers in your portfolio, you also can pay a little bit more in fees towards having those there.","start":1071.825,"end":1079.6849,"sentiment":"neutral","sentiment_score":0.06418886229395866},{"text":"If you like, I could always look at removing that, putting something else in its space that might be a bit more low cost for you, might also give you a bit more diversification to help with risk mitigation.","start":1080.065,"end":1092.03,"sentiment":"neutral","sentiment_score":0.12519311962219384}],"sentiment":"neutral","sentiment_score":0.10747677616666268,"num_words":137,"start":1045.1649,"end":1092.03},{"sentences":[{"text":"Does that sound okay?","start":1092.09,"end":1093.31,"sentiment":"neutral","sentiment_score":0.07055702805519104},{"text":"Yep.","start":1093.93,"end":1094.43,"sentiment":"neutral","sentiment_score":0.05302219837903976},{"text":"Yep.","start":1095.29,"end":1095.53,"sentiment":"neutral","sentiment_score":0.13857871294021606},{"text":"Beautiful.","start":1095.53,"end":1096.03,"sentiment":"positive","sentiment_score":0.46725142002105713},{"text":"I know I've said a lot, and we've gone through a bit so far.","start":1096.25,"end":1099.055,"sentiment":"neutral","sentiment_score":0.13599771846617972}],"sentiment":"neutral","sentiment_score":0.1354785000994092,"num_words":21,"start":1092.09,"end":1099.055},{"sentences":[{"text":"Do you have any questions at the moment?","start":1099.055,"end":1101.135,"sentiment":"neutral","sentiment_score":0.043563213432207704},{"text":"Please let me know if you do.","start":1101.135,"end":1102.675,"sentiment":"neutral","sentiment_score":0.049488454524959834},{"text":"No.","start":1106.0951,"end":1106.495,"sentiment":"neutral","sentiment_score":-0.1306285560131073},{"text":"That's okay.","start":1106.495,"end":1107.395,"sentiment":"neutral","sentiment_score":-0.07313903607428074},{"text":"Yep.","start":1109.87,"end":1110.27,"sentiment":"neutral","sentiment_score":0.0054247574880719185}],"sentiment":"neutral","sentiment_score":0.022286474655725454,"num_words":19,"start":1099.055,"end":1110.27},{"sentences":[{"text":"Beautiful.","start":1110.27,"end":1110.77,"sentiment":"neutral","sentiment_score":-0.05563193932175636},{"text":"Nope.","start":1111.7101,"end":1112.03,"sentiment":"neutral","sentiment_score":-0.16299206018447876},{"text":"That's okay.","start":1112.03,"end":1112.8501,"sentiment":"neutral","sentiment_score":-0.13935020565986633},{"text":"That's all good.","start":1113.55,"end":1114.3501,"sentiment":"neutral","sentiment_score":-0.26312077045440674},{"text":"I just you got one.","start":1114.3501,"end":1119.17,"sentiment":"neutral","sentiment_score":0.0021325014531612396}],"sentiment":"neutral","sentiment_score":-0.10633535124361515,"num_words":12,"start":1110.27,"end":1119.17},{"sentences":[{"text":"Fantastic.","start":1119.2301,"end":1119.7301,"sentiment":"positive","sentiment_score":0.3641436994075775},{"text":"I love that.","start":1120.27,"end":1121.0701,"sentiment":"positive","sentiment_score":0.37456153829892475},{"text":"Have you been adding it already or not yet?","start":1121.0701,"end":1123.89,"sentiment":"neutral","sentiment_score":0.024171384672323864},{"text":"No.","start":1124.875,"end":1125.375,"sentiment":"neutral","sentiment_score":-0.0671548917889595},{"text":"Oh, you're building it.","start":1125.9149,"end":1128.395,"sentiment":"neutral","sentiment_score":0.07121978234499693}],"sentiment":"neutral","sentiment_score":0.10683861188590527,"num_words":18,"start":1119.2301,"end":1128.395},{"sentences":[{"text":"Fantastic.","start":1128.395,"end":1128.895,"sentiment":"neutral","sentiment_score":0.32828909158706665},{"text":"Oh, that's beautiful.","start":1131.355,"end":1132.6549,"sentiment":"neutral","sentiment_score":0.039999802907307945},{"text":"No.","start":1135.755,"end":1136.255,"sentiment":"neutral","sentiment_score":0.10858705639839172},{"text":"That is awesome.","start":1136.395,"end":1137.355,"sentiment":"positive","sentiment_score":0.3970056474208832},{"text":"That is really beautiful, honestly.","start":1137.355,"end":1139.135,"sentiment":"positive","sentiment_score":0.4393992841243744}],"sentiment":"neutral","sentiment_score":0.3034529938147618,"num_words":13,"start":1128.395,"end":1139.135},{"sentences":[{"text":"I love that.","start":1141.18,"end":1142.14,"sentiment":"positive","sentiment_score":0.5021560390790304},{"text":"That's fantastic.","start":1142.14,"end":1142.9601,"sentiment":"positive","sentiment_score":0.6324833631515503},{"text":"I oh, that's fantastic.","start":1144.8601,"end":1148.4801,"sentiment":"positive","sentiment_score":0.5401053167879581},{"text":"I love that.","start":1148.8601,"end":1149.92,"sentiment":"positive","sentiment_score":0.49196994056304294},{"text":"With the caravan, I know you haven't quite got that yet, but it's still an asset that you're about to acquire.","start":1150.38,"end":1155.6649,"sentiment":"neutral","sentiment_score":0.059008357159438585}],"sentiment":"neutral","sentiment_score":0.23172549796149586,"num_words":33,"start":1141.18,"end":1155.6649},{"sentences":[{"text":"What sort of value will that be worth when you do get it?","start":1155.6649,"end":1158.965,"sentiment":"neutral","sentiment_score":0.007585328430510485},{"text":"70,000?","start":1163.745,"end":1164.6449,"sentiment":"neutral","sentiment_score":0.0042846351861953735},{"text":"Yep.","start":1164.7849,"end":1165.2849,"sentiment":"neutral","sentiment_score":0.03695406764745712},{"text":"Beautiful.","start":1165.4249,"end":1165.9249,"sentiment":"positive","sentiment_score":0.44750240445137024},{"text":"And are there any loans going on the Caravan?","start":1166.33,"end":1168.67,"sentiment":"neutral","sentiment_score":0.059771293567286596}],"sentiment":"neutral","sentiment_score":0.04501168075948954,"num_words":25,"start":1155.6649,"end":1168.67},{"sentences":[{"text":"Nope.","start":1170.65,"end":1171.05,"sentiment":"neutral","sentiment_score":-0.015207420103251934},{"text":"Per perfect.","start":1171.05,"end":1172.11,"sentiment":"neutral","sentiment_score":0.24752599745988846},{"text":"I also have here motor vehicle.","start":1172.81,"end":1174.75,"sentiment":"neutral","sentiment_score":0.06697012421985467},{"text":"Your current vehicle, I'm assuming, asset value is 38,000.","start":1175.29,"end":1179.61,"sentiment":"neutral","sentiment_score":0.036888835951685905},{"text":"Would you keep that the same, do you think?","start":1179.61,"end":1181.47,"sentiment":"neutral","sentiment_score":0.02133848611265421}],"sentiment":"neutral","sentiment_score":0.052063378470915335,"num_words":27,"start":1170.65,"end":1181.47},{"sentences":[{"text":"20,000?","start":1186.515,"end":1187.255,"sentiment":"neutral","sentiment_score":0.010351600125432014},{"text":"Perfect.","start":1187.315,"end":1187.815,"sentiment":"neutral","sentiment_score":0.08805648237466812},{"text":"And what kind of car is it?","start":1188.0349,"end":1189.8949,"sentiment":"neutral","sentiment_score":-0.08322060746806008},{"text":"Yep.","start":1190.515,"end":1190.835,"sentiment":"neutral","sentiment_score":0.0029698191210627556},{"text":"That's okay.","start":1190.835,"end":1191.575,"sentiment":"neutral","sentiment_score":-0.004874818027019501}],"sentiment":"neutral","sentiment_score":-0.040909665559108056,"num_words":12,"start":1186.515,"end":1191.575},{"sentences":[{"text":"Mazda.","start":1192.515,"end":1193.015,"sentiment":"neutral","sentiment_score":-0.13334017992019653},{"text":"Yeah.","start":1197.48,"end":1197.88,"sentiment":"neutral","sentiment_score":-0.035898394882678986},{"text":"No.","start":1197.88,"end":1198.12,"sentiment":"neutral","sentiment_score":-0.0876832902431488},{"text":"That's fine.","start":1198.12,"end":1198.9199,"sentiment":"neutral","sentiment_score":-0.04235932230949402},{"text":"So and yeah.","start":1198.9199,"end":1200.46,"sentiment":"neutral","sentiment_score":-0.006159236654639244}],"sentiment":"neutral","sentiment_score":-0.04501477745361626,"num_words":8,"start":1192.515,"end":1200.46},{"sentences":[{"text":"Yeah.","start":1204.5199,"end":1205.0199,"sentiment":"neutral","sentiment_score":0.03208690881729126},{"text":"Yeah.","start":1205.24,"end":1205.74,"sentiment":"neutral","sentiment_score":0.13618384301662445},{"text":"Perfect.","start":1205.88,"end":1206.38,"sentiment":"positive","sentiment_score":0.39830541610717773},{"text":"Yep.","start":1208.2799,"end":1208.6,"sentiment":"neutral","sentiment_score":0.21150240302085876},{"text":"That's absolutely fine.","start":1208.6,"end":1210.38,"sentiment":"neutral","sentiment_score":0.24645233154296875}],"sentiment":"neutral","sentiment_score":0.21677650937012263,"num_words":7,"start":1204.5199,"end":1210.38},{"sentences":[{"text":"Oh, fantastic.","start":1212.475,"end":1213.375,"sentiment":"positive","sentiment_score":0.5340917408466339},{"text":"I'll pop that down here as well.","start":1213.675,"end":1215.455,"sentiment":"neutral","sentiment_score":0.3101657969611032},{"text":"So Isuzu.","start":1215.995,"end":1216.975,"sentiment":"neutral","sentiment_score":0.06094730272889137},{"text":"And what sort of value would you put on that?","start":1217.355,"end":1219.695,"sentiment":"neutral","sentiment_score":0.021610575541853905},{"text":"40,000?","start":1224.64,"end":1225.54,"sentiment":"neutral","sentiment_score":0.005568261258304119}],"sentiment":"neutral","sentiment_score":0.16285966738889163,"num_words":22,"start":1212.475,"end":1225.54},{"sentences":[{"text":"Fantastic.","start":1225.76,"end":1226.26,"sentiment":"neutral","sentiment_score":0.2256595641374588},{"text":"And any loans on the ITC?","start":1226.56,"end":1228.42,"sentiment":"neutral","sentiment_score":0.026789515589674313},{"text":"No.","start":1231.04,"end":1231.54,"sentiment":"neutral","sentiment_score":-0.08440317213535309},{"text":"Okay.","start":1233.6,"end":1234.1,"sentiment":"neutral","sentiment_score":0.06613726168870926},{"text":"Beautiful.","start":1234.3201,"end":1234.8201,"sentiment":"neutral","sentiment_score":0.2364403605461121}],"sentiment":"neutral","sentiment_score":0.06045711077749729,"num_words":10,"start":1225.76,"end":1234.8201},{"sentences":[{"text":"I'll just leave it zero and note to be paid off in August.","start":1235.36,"end":1238.5801,"sentiment":"neutral","sentiment_score":0.060434636946481005},{"text":"Fantastic.","start":1240.175,"end":1240.675,"sentiment":"positive","sentiment_score":0.3829258680343628},{"text":"Excellent.","start":1241.135,"end":1241.635,"sentiment":"positive","sentiment_score":0.3338395357131958},{"text":"And then I also had sorry.","start":1241.775,"end":1244.015,"sentiment":"neutral","sentiment_score":0.02370022175212701},{"text":"You're at?","start":1244.015,"end":1244.675,"sentiment":"neutral","sentiment_score":0.005028378218412399}],"sentiment":"neutral","sentiment_score":0.07194233786962602,"num_words":23,"start":1235.36,"end":1244.675},{"sentences":[{"text":"Hot rod.","start":1245.375,"end":1246.115,"sentiment":"neutral","sentiment_score":0.04877804405987263},{"text":"Beautiful.","start":1246.175,"end":1246.675,"sentiment":"neutral","sentiment_score":0.23119758069515228},{"text":"Lovely.","start":1249.535,"end":1250.035,"sentiment":"positive","sentiment_score":0.39635321497917175},{"text":"Okay.","start":1254.1499,"end":1254.6499,"sentiment":"neutral","sentiment_score":0.05023134872317314},{"text":"What sort of asking price are you gonna have on it?","start":1254.71,"end":1257.61,"sentiment":"neutral","sentiment_score":0.021509774367917667}],"sentiment":"neutral","sentiment_score":0.06324660941027105,"num_words":16,"start":1245.375,"end":1257.61},{"sentences":[{"text":"Yep.","start":1261.6699,"end":1262.1699,"sentiment":"neutral","sentiment_score":0.09495876729488371},{"text":"Beautiful.","start":1262.23,"end":1262.73,"sentiment":"neutral","sentiment_score":0.32099252939224243},{"text":"We'll put 80 on that one for you.","start":1263.59,"end":1265.51,"sentiment":"neutral","sentiment_score":0.1656059930101037},{"text":"And there's no loans you own that hot rod at.","start":1265.51,"end":1267.6699,"sentiment":"neutral","sentiment_score":-0.013089746856712737},{"text":"Right?","start":1267.6699,"end":1268.1699,"sentiment":"neutral","sentiment_score":0.005632166285067797}],"sentiment":"neutral","sentiment_score":0.07693018754694744,"num_words":21,"start":1261.6699,"end":1268.1699},{"sentences":[{"text":"Yes.","start":1269.745,"end":1270.145,"sentiment":"neutral","sentiment_score":0.1032143086194992},{"text":"Beautiful.","start":1270.145,"end":1270.645,"sentiment":"positive","sentiment_score":0.4289640486240387},{"text":"I also had down here that you had some cash, about 5,000 sitting in a cash account.","start":1271.425,"end":1276.225,"sentiment":"neutral","sentiment_score":0.0413680901093518},{"text":"Do you still happen to have that?","start":1276.225,"end":1277.925,"sentiment":"neutral","sentiment_score":0.012772557591753346},{"text":"Yep.","start":1279.265,"end":1279.745,"sentiment":"neutral","sentiment_score":0.06042040511965752}],"sentiment":"neutral","sentiment_score":0.0513060813838685,"num_words":27,"start":1269.745,"end":1279.745},{"sentences":[{"text":"Beautiful.","start":1279.745,"end":1280.245,"sentiment":"neutral","sentiment_score":0.2826876640319824},{"text":"Is it still 5,000, or is the value increased or changed?","start":1280.465,"end":1283.605,"sentiment":"neutral","sentiment_score":0.05517310632223433},{"text":"Nope.","start":1285.72,"end":1286.22,"sentiment":"neutral","sentiment_score":-0.030091678723692897},{"text":"That's okay.","start":1286.36,"end":1287.24,"sentiment":"neutral","sentiment_score":0.1712753027677536},{"text":"Beautiful.","start":1287.24,"end":1287.74,"sentiment":"positive","sentiment_score":0.5102100968360901}],"sentiment":"neutral","sentiment_score":0.10701630357652903,"num_words":16,"start":1279.745,"end":1287.74},{"sentences":[{"text":"And then I've also got down here content that I do like to note as well, especially when we are looking at the retirement and Centrelink aspect.","start":1288.36,"end":1295.1799,"sentiment":"neutral","sentiment_score":0.1165783319760252},{"text":"What sort of do you have content insurance on your property?","start":1296.44,"end":1299.9,"sentiment":"neutral","sentiment_score":0.018218987028707157},{"text":"Or yep.","start":1300.0399,"end":1301.3949,"sentiment":"neutral","sentiment_score":0.03687133779749274},{"text":"Do you know what do you know what the value of your content is?","start":1301.615,"end":1305.075,"sentiment":"neutral","sentiment_score":0.0495550132223538},{"text":"Beautiful.","start":1307.5349,"end":1308.0349,"sentiment":"positive","sentiment_score":0.4171491861343384}],"sentiment":"neutral","sentiment_score":0.08241247031837702,"num_words":55,"start":1288.36,"end":1308.0349},{"sentences":[{"text":"Now the fun part comes, when I'm valuing assets and looking at Centrelink for, like, age pension and retirement planning and things like that, we actually have well, the fun thing is we actually devalue all your assets for you.","start":1309.5349,"end":1327.5399,"sentiment":"neutral","sentiment_score":0.027445642603561284},{"text":"So whenever you are applying for the age pension, the one thing Centrelink will ask you on the application is what is the fire sale value?","start":1327.5399,"end":1336.795,"sentiment":"neutral","sentiment_score":-0.010409360894790063},{"text":"So they're essentially wanting to find out what is if you had to sell all of these things tomorrow, what is the lowest amount you would take for it if you had a garage sale and got rid of everything to liquidate?","start":1337.655,"end":1350.7,"sentiment":"neutral","sentiment_score":-0.03623908288067296},{"text":"What's the lowest amount you'd be willing to take for everything?","start":1350.76,"end":1353.66,"sentiment":"neutral","sentiment_score":-0.03927165320651098},{"text":"Now your house is fully exempt for settling purposes.","start":1354.105,"end":1356.845,"sentiment":"neutral","sentiment_score":-0.07199508862362967}],"sentiment":"neutral","sentiment_score":-0.013865649554645643,"num_words":128,"start":1309.5349,"end":1356.845},{"sentences":[{"text":"You're not gonna have the hot rod, so we'll note here that hot rod will be gone to be sold.","start":1357.7849,"end":1364.585,"sentiment":"neutral","sentiment_score":-0.09007198568433523},{"text":"So you won't have that anymore.","start":1364.585,"end":1366.205,"sentiment":"neutral","sentiment_score":-0.08205255369345348},{"text":"We'll assume you've probably got some money sitting in the bank, say, 80,000 sitting in there.","start":1366.5,"end":1374.92,"sentiment":"neutral","sentiment_score":-0.02829360670875758},{"text":"Contents wise, when we are looking at Centrelink, we never value content more than 10,000 for a couple.","start":1376.34,"end":1383.205,"sentiment":"neutral","sentiment_score":0.0069757625460624695},{"text":"And that's because yeah.","start":1383.9049,"end":1385.825,"sentiment":"neutral","sentiment_score":0.02642402471974492}],"sentiment":"neutral","sentiment_score":-0.03929988935124129,"num_words":64,"start":1357.7849,"end":1385.825},{"sentences":[{"text":"Yeah.","start":1385.825,"end":1386.325,"sentiment":"neutral","sentiment_score":0.04419300705194473},{"text":"So we always put 10,000 for a couple for content.","start":1386.465,"end":1390.5449,"sentiment":"neutral","sentiment_score":0.05978104695677757},{"text":"Because, realistically, if you have a garage sale, you'd be selling everything for 50¢ a dollar, $2 to try and get money quickly.","start":1390.5449,"end":1397.66,"sentiment":"neutral","sentiment_score":0.04568842917003415},{"text":"So Centrelink allow us to reduce your content valuation for them to about 10,000 for a couple.","start":1399.0801,"end":1405.4,"sentiment":"neutral","sentiment_score":0.03989002207184539},{"text":"So that's where we go with that one.","start":1405.4,"end":1407.18,"sentiment":"neutral","sentiment_score":0.08170900959521532}],"sentiment":"neutral","sentiment_score":0.05136123052316493,"num_words":59,"start":1385.825,"end":1407.18},{"sentences":[{"text":"With the iZuzu, what is the lowest you would probably put on that, do you think?","start":1408.6001,"end":1413.845,"sentiment":"neutral","sentiment_score":0.014992575801443309},{"text":"30,000?","start":1416.385,"end":1417.285,"sentiment":"neutral","sentiment_score":0.012672705575823784},{"text":"Yes.","start":1417.4249,"end":1417.825,"sentiment":"neutral","sentiment_score":0.09088917076587676},{"text":"Beautiful.","start":1417.825,"end":1418.325,"sentiment":"positive","sentiment_score":0.4753682315349579},{"text":"Yes.","start":1420.065,"end":1420.385,"sentiment":"neutral","sentiment_score":0.10679742693901062}],"sentiment":"neutral","sentiment_score":0.0462804373819381,"num_words":20,"start":1408.6001,"end":1420.385},{"sentences":[{"text":"That's okay.","start":1420.385,"end":1421.205,"sentiment":"neutral","sentiment_score":0.1495133936405182},{"text":"And then also with your c x five, what's the lowest you'd probably go with that?","start":1421.985,"end":1426.2,"sentiment":"neutral","sentiment_score":0.030820078623946756},{"text":"10,000?","start":1429.1599,"end":1429.8999,"sentiment":"neutral","sentiment_score":0.0394991859793663},{"text":"Beautiful.","start":1430.12,"end":1430.62,"sentiment":"positive","sentiment_score":0.35019227862358093},{"text":"Alright.","start":1435.1599,"end":1435.48,"sentiment":"neutral","sentiment_score":0.19867883622646332}],"sentiment":"neutral","sentiment_score":0.06573896886159976,"num_words":21,"start":1420.385,"end":1435.48},{"sentences":[{"text":"So for 10,000.","start":1435.48,"end":1436.7,"sentiment":"neutral","sentiment_score":0.11605093628168106},{"text":"Excellent.","start":1437.72,"end":1438.22,"sentiment":"positive","sentiment_score":0.5494827032089233},{"text":"Cash, the 5,000, we do have to keep the same.","start":1439.3151,"end":1442.455,"sentiment":"neutral","sentiment_score":0.24527552723884583},{"text":"And the caravan, I know you are building that one, and it is valued quite high.","start":1443.955,"end":1452.215,"sentiment":"neutral","sentiment_score":0.012286273762583733},{"text":"How what's the lowest valuation you would put on that for Centrelink, do you think?","start":1452.355,"end":1456.0199,"sentiment":"neutral","sentiment_score":-0.020286165301998456}],"sentiment":"neutral","sentiment_score":0.07205952633586195,"num_words":45,"start":1435.48,"end":1456.0199},{"sentences":[{"text":"Because you'll probably have that back then.","start":1456.0199,"end":1458.2,"sentiment":"neutral","sentiment_score":-0.01555132184044591},{"text":"50?","start":1462.6599,"end":1463.1599,"sentiment":"neutral","sentiment_score":0.007348071318119764},{"text":"Yep.","start":1463.22,"end":1463.7,"sentiment":"neutral","sentiment_score":0.04621723294258118},{"text":"Beautiful.","start":1463.7,"end":1464.2,"sentiment":"positive","sentiment_score":0.471625417470932},{"text":"Excellent.","start":1464.82,"end":1465.32,"sentiment":"positive","sentiment_score":0.4769904315471649}],"sentiment":"neutral","sentiment_score":0.0812110818541524,"num_words":11,"start":1456.0199,"end":1465.32},{"sentences":[{"text":"So just based on this and having a look at things, there's definitely eligibility there for Sandlink.","start":1466.26,"end":1470.965,"sentiment":"neutral","sentiment_score":0.19655631745562835},{"text":"I'll just go back and have a bit of a look at it for you.","start":1470.965,"end":1473.705,"sentiment":"neutral","sentiment_score":0.16348356902599334},{"text":"What we sort of do because you are a little bit out from those retirement years, I limited scope this in, and I sort of show you a table with where we're projecting your super to go with the strategies and what we're putting in place over the next few years.","start":1474.565,"end":1488.05,"sentiment":"neutral","sentiment_score":0.013537982223080653},{"text":"But then when we look at the ultimate drawdown, how we look at drawing down your super plus drawing down a bit of age pension and sort of seeing how much longevity we can get out of both of those things for you.","start":1488.27,"end":1501.145,"sentiment":"neutral","sentiment_score":0.05827692480281342},{"text":"Okay?","start":1501.145,"end":1501.645,"sentiment":"neutral","sentiment_score":0.03596505522727966}],"sentiment":"neutral","sentiment_score":0.07107103029339332,"num_words":127,"start":1466.26,"end":1501.645},{"sentences":[{"text":"Yep.","start":1502.5851,"end":1503.0851,"sentiment":"neutral","sentiment_score":0.14698241651058197},{"text":"Beautiful.","start":1503.305,"end":1503.805,"sentiment":"positive","sentiment_score":0.4380472898483277},{"text":"Absolutely.","start":1505.7051,"end":1506.2051,"sentiment":"neutral","sentiment_score":0.22853396832942963},{"text":"Yes.","start":1507.56,"end":1508.06,"sentiment":"neutral","sentiment_score":0.06651186943054199},{"text":"Yep.","start":1516.2001,"end":1516.7001,"sentiment":"neutral","sentiment_score":0.05872100219130516}],"sentiment":"neutral","sentiment_score":0.18775930926203727,"num_words":5,"start":1502.5851,"end":1516.7001},{"sentences":[{"text":"Yep.","start":1517.9601,"end":1518.4601,"sentiment":"neutral","sentiment_score":0.013271095231175424},{"text":"Okay.","start":1523.395,"end":1523.895,"sentiment":"neutral","sentiment_score":0.050751153379678726},{"text":"Yeah.","start":1527.955,"end":1528.455,"sentiment":"neutral","sentiment_score":-0.16483446955680847},{"text":"Yes.","start":1530.0349,"end":1530.5349,"sentiment":"neutral","sentiment_score":-0.07127180695533752},{"text":"Yeah.","start":1533.875,"end":1534.375,"sentiment":"neutral","sentiment_score":-0.01288997195661068}],"sentiment":"neutral","sentiment_score":-0.036994799971580505,"num_words":5,"start":1517.9601,"end":1534.375},{"sentences":[{"text":"Okay.","start":1537.5801,"end":1538.06,"sentiment":"positive","sentiment_score":0.5021435618400574},{"text":"Perfect.","start":1538.06,"end":1538.56,"sentiment":"positive","sentiment_score":0.6742039918899536},{"text":"I mean, you put the money to good use, so absolutely.","start":1539.02,"end":1542.0801,"sentiment":"positive","sentiment_score":0.43322803486477246},{"text":"Yep.","start":1542.6201,"end":1543.1201,"sentiment":"neutral","sentiment_score":0.18594221770763397},{"text":"Well, Ron can be very proud that his money's gone to good use for you.","start":1548.345,"end":1552.9249,"sentiment":"positive","sentiment_score":0.4307317246993383}],"sentiment":"positive","sentiment_score":0.4340956560496626,"num_words":29,"start":1537.5801,"end":1552.9249},{"sentences":[{"text":"No.","start":1555.5449,"end":1555.865,"sentiment":"neutral","sentiment_score":0.02163289487361908},{"text":"That's okay.","start":1555.865,"end":1556.765,"sentiment":"neutral","sentiment_score":0.043874189257621765},{"text":"Do you do you know roughly how much he'd have left in super at if anything?","start":1556.825,"end":1561.085,"sentiment":"neutral","sentiment_score":0.019988072628621012},{"text":"No.","start":1564.23,"end":1564.47,"sentiment":"neutral","sentiment_score":-0.07029341906309128},{"text":"Wrong.","start":1564.47,"end":1564.97,"sentiment":"neutral","sentiment_score":-0.08319829404354095}],"sentiment":"neutral","sentiment_score":0.01312851058762698,"num_words":21,"start":1555.5449,"end":1564.97},{"sentences":[{"text":"Yeah.","start":1566.31,"end":1566.81,"sentiment":"neutral","sentiment_score":-0.020486006513237953},{"text":"Okay.","start":1571.03,"end":1571.43,"sentiment":"neutral","sentiment_score":0.010308340191841124},{"text":"No.","start":1571.43,"end":1571.67,"sentiment":"neutral","sentiment_score":-0.029522186145186424},{"text":"That's absolutely fine.","start":1571.67,"end":1572.97,"sentiment":"neutral","sentiment_score":-0.07382073594878118},{"text":"Yep.","start":1574.7101,"end":1575.03,"sentiment":"neutral","sentiment_score":0.023081114515662193}],"sentiment":"neutral","sentiment_score":-0.03401156368532351,"num_words":7,"start":1566.31,"end":1575.03},{"sentences":[{"text":"No.","start":1575.03,"end":1575.1901,"sentiment":"neutral","sentiment_score":-0.035160746425390244},{"text":"That's absolutely fine.","start":1575.1901,"end":1576.55,"sentiment":"neutral","sentiment_score":0.09942824641863506},{"text":"Not a problem at all.","start":1576.55,"end":1578.01,"sentiment":"neutral","sentiment_score":0.2217622697353363},{"text":"All good.","start":1578.945,"end":1579.6649,"sentiment":"positive","sentiment_score":0.47033873200416565},{"text":"Lovely.","start":1579.6649,"end":1580.145,"sentiment":"positive","sentiment_score":0.4573133885860443}],"sentiment":"neutral","sentiment_score":0.23082718284179768,"num_words":12,"start":1575.03,"end":1580.145},{"sentences":[{"text":"Well, I'll note that down there.","start":1580.145,"end":1581.265,"sentiment":"neutral","sentiment_score":0.116595642020305},{"text":"We'll have a bit of a look at things.","start":1581.265,"end":1582.705,"sentiment":"neutral","sentiment_score":0.1292511878742112},{"text":"I'll look at the TTR strategy, how that can work for you.","start":1582.705,"end":1586.645,"sentiment":"neutral","sentiment_score":0.15418639034032822},{"text":"Income wise, I have you noted as earning about 70,000 per annum.","start":1587.265,"end":1591.6649,"sentiment":"neutral","sentiment_score":0.04994826422383388},{"text":"Is that fairly accurate for your income?","start":1591.6649,"end":1593.845,"sentiment":"neutral","sentiment_score":0.03465493449143001}],"sentiment":"neutral","sentiment_score":0.09902249867825405,"num_words":46,"start":1580.145,"end":1593.845},{"sentences":[{"text":"No.","start":1596.2,"end":1596.6,"sentiment":"neutral","sentiment_score":-0.09115725755691528},{"text":"What do you settle on now?","start":1596.6,"end":1598.1399,"sentiment":"neutral","sentiment_score":-0.09568852310379346},{"text":"That's okay.","start":1599.24,"end":1600.0599,"sentiment":"neutral","sentiment_score":0.014998714439570904},{"text":"Can I yep?","start":1600.36,"end":1602.5199,"sentiment":"neutral","sentiment_score":0.0034446309631069503},{"text":"That's alright.","start":1602.5199,"end":1603.1599,"sentiment":"neutral","sentiment_score":0.060732634738087654}],"sentiment":"neutral","sentiment_score":-0.03596370035250272,"num_words":14,"start":1596.2,"end":1603.1599},{"sentences":[{"text":"Can I send you an that's absolutely fine?","start":1603.1599,"end":1606.2,"sentiment":"neutral","sentiment_score":0.06594061013311148},{"text":"If you want, I'll send you an email after the call.","start":1606.2,"end":1609.125,"sentiment":"neutral","sentiment_score":0.08233539082787254},{"text":"If you can shoot me through a payslip or two just so we can have a look at what your income looks like, and then we can put that to the research for you and see if we can make this TTR work.","start":1609.125,"end":1620.085,"sentiment":"neutral","sentiment_score":0.11242617753356002},{"text":"Does that sound okay?","start":1620.085,"end":1621.225,"sentiment":"neutral","sentiment_score":0.1256013885140419},{"text":"Beautiful.","start":1623.09,"end":1623.59,"sentiment":"neutral","sentiment_score":0.0958358272910118}],"sentiment":"neutral","sentiment_score":0.10247434620092165,"num_words":67,"start":1603.1599,"end":1623.59},{"sentences":[{"text":"In your do you remember last financial year what your income estimate was on your tax return?","start":1624.9299,"end":1629.59,"sentiment":"neutral","sentiment_score":0.0024393911692587767},{"text":"If you can't, that's okay.","start":1632.0499,"end":1633.25,"sentiment":"neutral","sentiment_score":-0.023896567150950433},{"text":"Don't worry.","start":1633.25,"end":1633.91,"sentiment":"neutral","sentiment_score":0.0196181726641953},{"text":"With the 80 mark.","start":1640.035,"end":1640.915,"sentiment":"neutral","sentiment_score":0.057277913205325603},{"text":"Yeah.","start":1640.915,"end":1641.155,"sentiment":"neutral","sentiment_score":0.1043158397078514}],"sentiment":"neutral","sentiment_score":0.010160367309661775,"num_words":29,"start":1624.9299,"end":1641.155},{"sentences":[{"text":"That's 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time?","start":1672.325,"end":1673.785,"sentiment":"neutral","sentiment_score":-0.01595355779863894},{"text":"Point nine.","start":1675.365,"end":1676.1849,"sentiment":"neutral","sentiment_score":0.03701910376548767},{"text":"Beautiful.","start":1676.325,"end":1676.825,"sentiment":"neutral","sentiment_score":0.16976678371429443},{"text":"That's technically part time, isn't it?","start":1677.605,"end":1679.785,"sentiment":"neutral","sentiment_score":0.04091675765812397}],"sentiment":"neutral","sentiment_score":0.0312153889930674,"num_words":21,"start":1668.245,"end":1679.785},{"sentences":[{"text":"Yes.","start":1681.65,"end":1681.89,"sentiment":"neutral","sentiment_score":0.07382234185934067},{"text":"Beautiful.","start":1681.89,"end":1682.39,"sentiment":"neutral","sentiment_score":0.18227548897266388},{"text":"The point nine 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time?","start":1694.6901,"end":1696.335,"sentiment":"neutral","sentiment_score":0.026523817729737078},{"text":"Yep.","start":1697.0549,"end":1697.5549,"sentiment":"neutral","sentiment_score":0.06929950416088104}],"sentiment":"neutral","sentiment_score":0.07631822335533797,"num_words":20,"start":1690.29,"end":1697.5549},{"sentences":[{"text":"Beautiful.","start":1698.815,"end":1699.315,"sentiment":"positive","sentiment_score":0.3597787618637085},{"text":"Fantastic.","start":1699.5349,"end":1700.0349,"sentiment":"neutral","sentiment_score":0.31934839487075806},{"text":"Absolutely.","start":1706.095,"end":1706.595,"sentiment":"neutral","sentiment_score":0.15494954586029053},{"text":"That time will come.","start":1707.5349,"end":1708.815,"sentiment":"neutral","sentiment_score":0.14986712858080864},{"text":"It's all good.","start":1708.815,"end":1710.0349,"sentiment":"neutral","sentiment_score":0.29021477699279785}],"sentiment":"neutral","sentiment_score":0.23041895478963853,"num_words":10,"start":1698.815,"end":1710.0349},{"sentences":[{"text":"At least you get the option to cut that.","start":1710.63,"end":1712.63,"sentiment":"neutral","sentiment_score":0.16179172777467304},{"text":"That's fantastic.","start":1712.63,"end":1713.4501,"sentiment":"positive","sentiment_score":0.5254688709974289},{"text":"Yeah.","start":1714.47,"end":1714.97,"sentiment":"neutral","sentiment_score":0.1752885729074478},{"text":"And just double checking beneficiaries here as well to make sure everything is in order.","start":1715.91,"end":1720.39,"sentiment":"neutral","sentiment_score":0.21670527656873068},{"text":"I've got down here that if in the event of passing that your super is to be paid out to Ronald, he's your spouse, and you're comfortable with that for a 100%?","start":1720.39,"end":1730.3351,"sentiment":"neutral","sentiment_score":0.13760310411453247}],"sentiment":"neutral","sentiment_score":0.17519034483170104,"num_words":59,"start":1710.63,"end":1730.3351},{"sentences":[{"text":"Yep.","start":1731.755,"end":1732.2351,"sentiment":"neutral","sentiment_score":0.2015700787305832},{"text":"Fantastic.","start":1732.2351,"end":1732.7351,"sentiment":"positive","sentiment_score":0.42839568853378296},{"text":"Let's just look at the other estate planning side of things while we are here as well.","start":1733.9951,"end":1738.3351,"sentiment":"neutral","sentiment_score":0.26117658176842856},{"text":"I've got down here that you both have a will and power of attorney in place, and you're comfortable with the way those are structured.","start":1739.33,"end":1745.17,"sentiment":"neutral","sentiment_score":0.2323295521736145},{"text":"Is that right?","start":1745.17,"end":1746.0701,"sentiment":"neutral","sentiment_score":0.12398956964413325}],"sentiment":"neutral","sentiment_score":0.23936542916171094,"num_words":47,"start":1731.755,"end":1746.0701},{"sentences":[{"text":"Yep.","start":1747.25,"end":1747.73,"sentiment":"neutral","sentiment_score":0.16559472680091858},{"text":"Fantastic.","start":1747.73,"end":1748.23,"sentiment":"positive","sentiment_score":0.7192590236663818},{"text":"Excellent.","start":1749.01,"end":1749.51,"sentiment":"positive","sentiment_score":0.6579583883285522},{"text":"So I've got down here that we're looking at a goal of trying to stop working at about age 67.","start":1750.6901,"end":1757.715,"sentiment":"neutral","sentiment_score":-0.00816111797466874},{"text":"Do you know when you get to those retirement years, what kind of income you're going to need to live on on a weekly basis to cover expenditure or what you're gonna wanna draw down or live on each week?","start":1758.255,"end":1768.835,"sentiment":"neutral","sentiment_score":-0.026873161923140286}],"sentiment":"neutral","sentiment_score":0.004835925434553434,"num_words":63,"start":1747.25,"end":1768.835},{"sentences":[{"text":"Yep.","start":1773.7699,"end":1774.2699,"sentiment":"neutral","sentiment_score":-0.029297009110450745},{"text":"Yep.","start":1782.73,"end":1783.23,"sentiment":"neutral","sentiment_score":-0.04237094521522522},{"text":"Yep.","start":1783.85,"end":1784.35,"sentiment":"neutral","sentiment_score":0.006430116947740316},{"text":"So about 1,000 dollars a week.","start":1807.36,"end":1809.14,"sentiment":"neutral","sentiment_score":0.00699082746480902},{"text":"Yep.","start":1810.64,"end":1811.14,"sentiment":"neutral","sentiment_score":0.06173266097903251}],"sentiment":"neutral","sentiment_score":0.0038439788389950983,"num_words":10,"start":1773.7699,"end":1811.14},{"sentences":[{"text":"Yep.","start":1811.44,"end":1811.84,"sentiment":"neutral","sentiment_score":0.12152561545372008},{"text":"Beautiful.","start":1811.84,"end":1812.34,"sentiment":"positive","sentiment_score":0.42852723598480225},{"text":"Not a problem at all.","start":1812.48,"end":1813.44,"sentiment":"neutral","sentiment_score":0.26601736843585966},{"text":"We'll look at that for you.","start":1813.44,"end":1814.82,"sentiment":"neutral","sentiment_score":0.1609384392698606},{"text":"So averaging $52,000 a year income 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possible?","start":1821.7949,"end":1826.9349,"sentiment":"neutral","sentiment_score":0.06694072129374201},{"text":"Yep.","start":1828.62,"end":1828.9401,"sentiment":"neutral","sentiment_score":0.05738798901438713}],"sentiment":"neutral","sentiment_score":0.10505537117520967,"num_words":30,"start":1817.7949,"end":1828.9401},{"sentences":[{"text":"Fantastic.","start":1828.9401,"end":1829.4401,"sentiment":"neutral","sentiment_score":0.29526352882385254},{"text":"The other goal we had here was paying down your mortgage, but that's completely gone now, which is great.","start":1829.58,"end":1834.22,"sentiment":"neutral","sentiment_score":0.1297557193197702},{"text":"Is there any other goals that you have down the track that you're sort of looking at, or is it just working towards time now?","start":1834.22,"end":1840.64,"sentiment":"neutral","sentiment_score":0.05013242818415165},{"text":"Yep.","start":1848.7849,"end":1849.2849,"sentiment":"neutral","sentiment_score":-0.10323767364025116},{"text":"Yep.","start":1851.9049,"end":1852.4049,"sentiment":"neutral","sentiment_score":-0.05791057273745537}],"sentiment":"neutral","sentiment_score":0.08197414157713981,"num_words":47,"start":1828.9401,"end":1852.4049},{"sentences":[{"text":"Yep.","start":1855.025,"end":1855.4249,"sentiment":"neutral","sentiment_score":0.014512535184621813},{"text":"Perfect.","start":1855.4249,"end":1855.9249,"sentiment":"neutral","sentiment_score":0.08886802196502686},{"text":"Do you know okay.","start":1855.985,"end":1859.2599,"sentiment":"neutral","sentiment_score":-0.04081847611814737},{"text":"No.","start":1860.12,"end":1860.5199,"sentiment":"neutral","sentiment_score":-0.06649799644947052},{"text":"That's alright.","start":1860.5199,"end":1861.24,"sentiment":"neutral","sentiment_score":-0.04484187066555023}],"sentiment":"neutral","sentiment_score":-0.02400834278927909,"num_words":9,"start":1855.025,"end":1861.24},{"sentences":[{"text":"Do you know roughly what you might be wanting to spend on that car?","start":1861.24,"end":1864.44,"sentiment":"neutral","sentiment_score":-0.01103299590093749},{"text":"What's the comfortable amount you might like to spend?","start":1864.44,"end":1866.94,"sentiment":"neutral","sentiment_score":-0.0013962612590856021},{"text":"Yeah.","start":1869.96,"end":1870.46,"sentiment":"neutral","sentiment_score":0.0032596855890005827},{"text":"About 40,000?","start":1871.32,"end":1872.36,"sentiment":"neutral","sentiment_score":0.010699344798922539},{"text":"Beautiful.","start":1872.36,"end":1872.86,"sentiment":"positive","sentiment_score":0.4448288381099701}],"sentiment":"neutral","sentiment_score":0.011202182198219278,"num_words":27,"start":1861.24,"end":1872.86},{"sentences":[{"text":"For the car.","start":1874.4951,"end":1875.4751,"sentiment":"neutral","sentiment_score":0.06526135529081027},{"text":"Yep.","start":1876.7351,"end":1877.135,"sentiment":"neutral","sentiment_score":0.23450949788093567},{"text":"Fantastic.","start":1877.135,"end":1877.635,"sentiment":"positive","sentiment_score":0.6969062089920044},{"text":"I'll pop that in there for you.","start":1879.295,"end":1880.9951,"sentiment":"positive","sentiment_score":0.48385539650917053},{"text":"Beautiful.","start":1881.055,"end":1881.555,"sentiment":"positive","sentiment_score":0.6177911758422852}],"sentiment":"positive","sentiment_score":0.3947675941655269,"num_words":13,"start":1874.4951,"end":1881.555},{"sentences":[{"text":"Because it's just another goal to work on as we are looking at retirement planning side of things for you.","start":1881.6951,"end":1886.655,"sentiment":"neutral","sentiment_score":0.2809510074555874},{"text":"So excellent.","start":1886.655,"end":1888.19,"sentiment":"positive","sentiment_score":0.3764307275414467},{"text":"Well, what I'll do now is I'll go back.","start":1888.33,"end":1890.25,"sentiment":"neutral","sentiment_score":0.10926103343566258},{"text":"I'll send you an email after the call just to get you to send me to a couple of payslips.","start":1890.25,"end":1893.63,"sentiment":"neutral","sentiment_score":0.09513046033680439},{"text":"My team will go back.","start":1894.49,"end":1895.61,"sentiment":"neutral","sentiment_score":0.06276501566171647}],"sentiment":"neutral","sentiment_score":0.17092259268143348,"num_words":56,"start":1881.6951,"end":1895.61},{"sentences":[{"text":"We'll go do a bit of research around how this looks, what's gonna help you.","start":1895.61,"end":1899.2899,"sentiment":"neutral","sentiment_score":0.10412840942541758},{"text":"I'll look at the investments you have in your super as well, keeping that balance growth kind of area there, and we'll just we'll come back in a couple of weeks.","start":1899.2899,"end":1907.4751,"sentiment":"neutral","sentiment_score":0.09880202287627805},{"text":"It takes about four to five weeks to kinda do the research properly and come up with the advice for you.","start":1907.4751,"end":1912.775,"sentiment":"neutral","sentiment_score":0.13304420702514194},{"text":"And then we'll come back, and we'll have a really good look, And I'll go to the advice document with you, and then you get to decide whether you take the advice or not.","start":1913.395,"end":1921.0,"sentiment":"neutral","sentiment_score":0.13295410091386123},{"text":"Does that sound okay?","start":1921.0,"end":1922.06,"sentiment":"neutral","sentiment_score":0.0929310992360115}],"sentiment":"neutral","sentiment_score":0.11724648596275421,"num_words":105,"start":1895.61,"end":1922.06},{"sentences":[{"text":"That's okay.","start":1923.8,"end":1924.6001,"sentiment":"neutral","sentiment_score":0.24883457273244858},{"text":"That's not a problem at all.","start":1924.6001,"end":1926.2001,"sentiment":"positive","sentiment_score":0.3434449831644694},{"text":"It's what we're here for.","start":1926.2001,"end":1927.5801,"sentiment":"positive","sentiment_score":0.35648972988128663},{"text":"That's not an issue at all.","start":1930.845,"end":1932.685,"sentiment":"neutral","sentiment_score":0.27824916193882626},{"text":"Is there any questions that you might have at the moment that might have come to mind or anything that I haven't touched on that you wanted to maybe discuss with me as well?","start":1932.845,"end":1940.765,"sentiment":"neutral","sentiment_score":0.10427313933477682}],"sentiment":"neutral","sentiment_score":0.18029376231836822,"num_words":53,"start":1923.8,"end":1940.765},{"sentences":[{"text":"Or no?","start":1940.765,"end":1943.5801,"sentiment":"neutral","sentiment_score":-0.13527303747832775},{"text":"Beautiful.","start":1944.8401,"end":1945.3401,"sentiment":"neutral","sentiment_score":0.1176845207810402},{"text":"Beautiful.","start":1945.88,"end":1946.38,"sentiment":"neutral","sentiment_score":0.3134692311286926},{"text":"Beautiful.","start":1946.68,"end":1947.18,"sentiment":"neutral","sentiment_score":0.32147806882858276},{"text":"Well, thank you so much, Sharon.","start":1947.3201,"end":1949.0801,"sentiment":"positive","sentiment_score":0.35710879415273666}],"sentiment":"neutral","sentiment_score":0.23861259188164363,"num_words":11,"start":1940.765,"end":1949.0801},{"sentences":[{"text":"I really appreciate your time this afternoon.","start":1949.0801,"end":1951.3401,"sentiment":"positive","sentiment_score":0.4548195259911673},{"text":"I'm looking forward to putting this advice document 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questions, you're welcome to reply to me or touch base with me directly at any point in time.","start":1965.735,"end":1972.555,"sentiment":"neutral","sentiment_score":0.21884267060802534},{"text":"And just so you're aware, we haven't spoken before.","start":1972.97,"end":1975.37,"sentiment":"neutral","sentiment_score":0.14860160483254325}],"sentiment":"neutral","sentiment_score":0.2607070116015772,"num_words":48,"start":1961.415,"end":1975.37},{"sentences":[{"text":"But if you ever wanted to look me up, I'm a registered licensed financial adviser, and my license number is 1304394.","start":1975.37,"end":1982.59,"sentiment":"neutral","sentiment_score":0.0764146578453836},{"text":"I'll also attach the financial services guide to the email, which has all the information about being it for you as well.","start":1982.73,"end":1990.165,"sentiment":"neutral","sentiment_score":0.1741028834473003},{"text":"Okay?","start":1990.545,"end":1991.045,"sentiment":"positive","sentiment_score":0.5475996136665344},{"text":"My pleasure.","start":1991.425,"end":1992.0651,"sentiment":"positive","sentiment_score":0.7908872067928314},{"text":"You have a lovely afternoon.","start":1992.0651,"end":1993.5851,"sentiment":"positive","sentiment_score":0.8459635853767395}],"sentiment":"neutral","sentiment_score":0.23125810205352074,"num_words":51,"start":1975.37,"end":1993.5851},{"sentences":[{"text":"Thanks for your time.","start":1993.5851,"end":1994.625,"sentiment":"positive","sentiment_score":0.8448570966720581},{"text":"And if there's anything additional that comes up, we'll make sure we touch base.","start":1994.625,"end":1998.145,"sentiment":"positive","sentiment_score":0.34936992079019547},{"text":"Okay?","start":1998.145,"end":1998.645,"sentiment":"neutral","sentiment_score":0.23255792260169983},{"text":"Thanks, Sharon.","start":2000.2029,"end":2000.9229,"sentiment":"positive","sentiment_score":0.737709105014801},{"text":"You enjoy your afternoon.","start":2000.9229,"end":2002.1228,"sentiment":"positive","sentiment_score":0.7361537516117096}],"sentiment":"positive","sentiment_score":0.5169279366731644,"num_words":25,"start":1993.5851,"end":2002.1228},{"sentences":[{"text":"See you later.","start":2002.1228,"end":2003.0228,"sentiment":"positive","sentiment_score":0.5927964051564535},{"text":"Bye.","start":2003.0829,"end":2003.5829,"sentiment":"neutral","sentiment_score":0.21250569820404053}],"sentiment":"positive","sentiment_score":0.4977237284183502,"num_words":4,"start":2002.1228,"end":2003.5829}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Thank you. Yes. I guess, love. It's not not a bad time at all. Yes, love. Sharon Mary McDonald. Fourteen eleven sixty five. Yeah. Yep. Well, I'm sorry, sacrificing. I am. And I was wondering whether I'd be able to put extra on my signature salary sacrificing. For my mortgage, but my mortgage is paid off now, love. Yes. Thank you. Thank you. Oh, don't worry. We bought a caravan. Yeah. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. Yep. So I'm I'm worried. I'm I'm more worried about the fact, love, that my super won't be enough for me to retire on. Yeah. Yeah. Mhmm. Mhmm. Yep. Yep. Yep. Yep. Yep. 67 would be the max probably, love. Yeah. I mean, I'm I'm pretty I'm pretty healthy and active. You know what I mean? So yeah. That that's my retirement age. So and if I stay till fifth 67, I would have been nursing for fifty years. So that's one of my goals was to meet that. Unless my health does unless my health does otherwise. You know what I mean? My health might yeah. I don't know what will happen when I get older. So Yes. Yep. Yep. Yeah. No. Mary. Yep. That's alright. You see, when I retired, love, me and my husband, I've got a lip of my super. Mhmm. No. Not much at all. He's been a sole trader for most most of the years. Now he's vaccinated. Yeah. Yep. Oh, that's alright. That's okay. Sorry? 64. 64 left. Mhmm. Yep. Yeah. Yep. Yep. Yep. But if I keep working, he won't get a thing. Yeah. No. Yeah. Yeah. Yes. Yep. Yep. Yep. Wow. Yeah. That is. Yeah. Yeah. Even if I'm working up Is that even if I'm working? Yeah. Yep. Yep. Yep. Yay. Yep. Yep. Yep. Very good. Okay. This is there something going to happen with Super and the government? I heard one of the well, I heard one of the patients talking today, and I was gonna be getting bits bits and pieces of it. But they were saying that the government's gonna stuff everybody's government, superannuation up. Yep. Yep. Yep. Yeah. Uh-huh. Yeah. Uh-huh. Oh, that's good. Yep. It was just couple of guys talking to each other and they're just going, oh, you know, oh, we're screwed. You know what I mean? The government's gonna keep all the money and you know, and I'm thinking, oh my god. Yeah. Mhmm. Yep. Yeah. Yep. Yeah. Yep. Thank you, love. Mhmm. Yep. Oh, look. I'd like to do it early, but it'd be nice to do the fifty years, and I'm active enough. I mean, if I get really if I if I get ill, you don't know what's gonna happen in two years' time or three years' time. I could get ill. You know what I mean? So and then I wanna retire. You know? It's really hard hard to know what, but as as I am now, I would just like to keep on working. Yep. Yes. Yes. Yep. Yeah. I'll probably call you and ask what we could do. No. No. No. Yeah. But when I was with the other superannuation mob I mean, it falls with this one, love, but it goes up pretty you know what I mean? It goes up too. You know what I mean? So I just put yeah. Up and down, up and down, but, you know, it is growing. Yeah. Oh, just probably a little bit concerned with what the world's doing these days. You know what I mean? So, I mean, yeah, you could say that I was concerned. I'd be a little bit concerned. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. Yep. I I would feel comfortable doing what I'm so what I'm doing now. Yeah. Yep. Yes. Mhmm. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. I love it. No. Not really. Yeah. Yeah. Yeah. No. I don't think I do. I don't. I don't have to buy a caravan at at when I retire now because we bought a caravan before I retire. Yeah. No. No. Not even Bill Love. We're waiting for it. We are. Yeah. We wanna we wanna travel. You know what I mean? We're getting older. We're not getting any younger. So I'll make it out to Edge Rock. I wanna yeah. Yeah. I've been wanting wanting to be Edge Rock, love. Oh, yeah. Oh, but what we paid for it was 70. Yep. Nope. No. Probably 20 now, love. Yeah. I don't wanna get another car. It's a Mazda Civic five, but I don't really wanna get another car until I am more closer to retiring. You know what I mean? Because it sits out in the sun, the, you know, the paintwork stuff stuff, everything. You know what I mean? So it's my work card virtually. It is. My husband's my husband's got a new, my Suzu. I'm ready. What value you're on? 40. 40? Mhmm. Yeah. No. No. Oh, yeah. But we're paying it off in August, I think. Yeah. Yep. Yep. We've we've also got a a hot rod. Yeah. My husband's got a hot rod that we will sell that we are planning on selling soon. Oh, 70 or 80? Yes. Yeah. 80. Yep. No. No. I love it. It's still the same. Yes. Yes. Love. We do. I think it's a 100,000, love. We got some selling to do. Sorry. Yeah. Yep. Yep. Oh, true. Yep. Yep. Yep. Yep. 30, my husband reckons. Yeah. I mean, 30 done 40 k. 10. Yep. Mhmm. Yep. Oh, no. Oh, that's hold on. 50. 50? Yep. Mhmm. Yep. Mhmm. Yep. Yep. I just wanna tell you too, sweetheart. A couple of years ago when I got in touch with you with you guys, You've asked me a question about, oh, what do you wanna do, you know, when when you retire? And I said, well, I wanna buy a caravan. I wanna travel. Well, we bought a caravan now, but I wanna let you know that Ron had some super, and we tried to get him with you guys. You know what I mean? But apparently, it wasn't enough enough. You know what I mean? So so I can a real big money. So we bought the caravan out of that. So yeah. Yeah. Yeah. So I won't need a caravan anyway when I do retire. You know what I mean? Yeah. Yes. I know, love. Yeah. So what? My super? Oh, Ron? No. Yeah. He's only got about $2,020,000 dollars left, love. Yeah. It wasn't big it wasn't a big figure. It wasn't. Probably not now. I don't know how much I actually earn. Might be more towards 80. Maybe 80 in the morning. Yep. Yep. Yep. Okay. Not a problem. Oh, jeez. Yeah. Yeah. I think it was near the eighty eighty mark. Yeah. You see, we've all had pay rises, the nurses. Yep. Yep. Yep. Yep. Yep. Mhmm. Sorry? No. Not full time, love. Point nine. Yes. Yes. But I'm I'm contracted for point eight, but I pick up an extra shift. Yeah. Yeah. Virtually. Until I get too tired. I'm just gonna cut back. Yes. Yep. Yep. Yep. Well, like I said, we'll probably end up selling some of our assets that we yeah. But what I'm saying is that if we sell some of our assets, I'll probably need less than what I do need now to live off. So I'm saying maybe at a figure of well, comfortably, probably no. Yeah. I know. You're looking 500 a bit. Yeah. $2. Yeah. Well, we got we live off $2 now. A fortnight. Yep. Yes. Yes. Yep. Yep. Yep. Yep. Yes. Well, when I do retire, like I said, I probably want another car unless this car really is you know, it shits itself. You know what I mean? I can't drive it anymore or something like that, but I would like to get a car out of my super. And that'll only be a smaller car too, probably, love. I wouldn't want a Yaris. But for now, for these days, probably about $40. Yep. 40 to 40 5, I suppose. Yep. Yep. Mhmm. Yep. Yep. Yep. Thank you. Thank you very much, Diana. No. I think that I'm pretty comfortable with life at the moment. Thank you for yours. Alright. When I go upstairs, I'll turn my computer on. You pay love. Thank you. Thank you very much, Dana. Thanks a lot, love. Bye. You too. 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I'm good. Thank you. Yes. I guess, love.\n\nIt's not not a bad time at all. Yes, love. Sharon Mary McDonald. Fourteen eleven sixty five. Yeah.\n\nYep. Well, I'm sorry, sacrificing. I am. And I was wondering whether I'd be able to put extra on my signature salary sacrificing. For my mortgage, but my mortgage is paid off now, love.\n\nYes. Thank you. Thank you. Oh, don't worry. We bought a caravan.\n\nYeah. Yes. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. So I'm I'm worried. I'm I'm more worried about the fact, love, that my super won't be enough for me to retire on. Yeah. Yeah.\n\nMhmm. Mhmm. Yep. Yep. Yep.\n\nYep. Yep. 67 would be the max probably, love. Yeah. I mean, I'm I'm pretty I'm pretty healthy and active.\n\nYou know what I mean? So yeah. That that's my retirement age. So and if I stay till fifth 67, I would have been nursing for fifty years. So that's one of my goals was to meet that.\n\nUnless my health does unless my health does otherwise. You know what I mean? My health might yeah. I don't know what will happen when I get older. So Yes.\n\nYep. Yep. Yeah. No. Mary.\n\nYep. That's alright. You see, when I retired, love, me and my husband, I've got a lip of my super. Mhmm. No.\n\nNot much at all. He's been a sole trader for most most of the years. Now he's vaccinated. Yeah. Yep.\n\nOh, that's alright. That's okay. Sorry? 64. 64 left.\n\nMhmm. Yep. Yeah. Yep. Yep.\n\nYep. But if I keep working, he won't get a thing. Yeah. No. Yeah.\n\nYeah. Yes. Yep. Yep. Yep.\n\nWow. Yeah. That is. Yeah. Yeah.\n\nEven if I'm working up Is that even if I'm working? Yeah. Yep. Yep. Yep.\n\nYay. Yep. Yep. Yep. Very good.\n\nOkay. This is there something going to happen with Super and the government? I heard one of the well, I heard one of the patients talking today, and I was gonna be getting bits bits and pieces of it. But they were saying that the government's gonna stuff everybody's government, superannuation up. Yep.\n\nYep. Yep. Yeah. Uh-huh. Yeah.\n\nUh-huh. Oh, that's good. Yep. It was just couple of guys talking to each other and they're just going, oh, you know, oh, we're screwed. You know what I mean?\n\nThe government's gonna keep all the money and you know, and I'm thinking, oh my god. Yeah. Mhmm. Yep. Yeah.\n\nYep. Yeah. Yep. Thank you, love. Mhmm.\n\nYep. Oh, look. I'd like to do it early, but it'd be nice to do the fifty years, and I'm active enough. I mean, if I get really if I if I get ill, you don't know what's gonna happen in two years' time or three years' time. I could get ill.\n\nYou know what I mean? So and then I wanna retire. You know? It's really hard hard to know what, but as as I am now, I would just like to keep on working. Yep.\n\nYes. Yes. Yep. Yeah. I'll probably call you and ask what we could do.\n\nNo. No. No. Yeah. But when I was with the other superannuation mob I mean, it falls with this one, love, but it goes up pretty you know what I mean?\n\nIt goes up too. You know what I mean? So I just put yeah. Up and down, up and down, but, you know, it is growing. Yeah.\n\nOh, just probably a little bit concerned with what the world's doing these days. You know what I mean? So, I mean, yeah, you could say that I was concerned. I'd be a little bit concerned. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. Yep. I I would feel comfortable doing what I'm so what I'm doing now. Yeah. Yep.\n\nYes. Mhmm. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. No. I love it. No. Not really.\n\nYeah. Yeah. Yeah. No. I don't think I do.\n\nI don't. I don't have to buy a caravan at at when I retire now because we bought a caravan before I retire. Yeah. No. No.\n\nNot even Bill Love. We're waiting for it. We are. Yeah. We wanna we wanna travel.\n\nYou know what I mean? We're getting older. We're not getting any younger. So I'll make it out to Edge Rock. I wanna yeah.\n\nYeah. I've been wanting wanting to be Edge Rock, love. Oh, yeah. Oh, but what we paid for it was 70. Yep.\n\nNope. No. Probably 20 now, love. Yeah. I don't wanna get another car.\n\nIt's a Mazda Civic five, but I don't really wanna get another car until I am more closer to retiring. You know what I mean? Because it sits out in the sun, the, you know, the paintwork stuff stuff, everything. You know what I mean? So it's my work card virtually.\n\nIt is. My husband's my husband's got a new, my Suzu. I'm ready. What value you're on? 40.\n\n40? Mhmm. Yeah. No. No.\n\nOh, yeah. But we're paying it off in August, I think. Yeah. Yep. Yep.\n\nWe've we've also got a a hot rod. Yeah. My husband's got a hot rod that we will sell that we are planning on selling soon. Oh, 70 or 80? Yes.\n\nYeah. 80. Yep. No. No.\n\nI love it. It's still the same. Yes. Yes. Love.\n\nWe do. I think it's a 100,000, love. We got some selling to do. Sorry. Yeah.\n\nYep. Yep. Oh, true. Yep. Yep.\n\nYep. Yep. 30, my husband reckons. Yeah. I mean, 30 done 40 k.\n\n10. Yep. Mhmm. Yep. Oh, no.\n\nOh, that's hold on. 50. 50? Yep. Mhmm.\n\nYep. Mhmm. Yep. Yep. I just wanna tell you too, sweetheart.\n\nA couple of years ago when I got in touch with you with you guys, You've asked me a question about, oh, what do you wanna do, you know, when when you retire? And I said, well, I wanna buy a caravan. I wanna travel. Well, we bought a caravan now, but I wanna let you know that Ron had some super, and we tried to get him with you guys. You know what I mean?\n\nBut apparently, it wasn't enough enough. You know what I mean? So so I can a real big money. So we bought the caravan out of that. So yeah.\n\nYeah. Yeah. So I won't need a caravan anyway when I do retire. You know what I mean? Yeah.\n\nYes. I know, love. Yeah. So what? My super?\n\nOh, Ron? No. Yeah. He's only got about $2,020,000 dollars left, love. Yeah.\n\nIt wasn't big it wasn't a big figure. It wasn't. Probably not now. I don't know how much I actually earn. Might be more towards 80.\n\nMaybe 80 in the morning. Yep. Yep. Yep. Okay.\n\nNot a problem. Oh, jeez. Yeah. Yeah. I think it was near the eighty eighty mark.\n\nYeah. You see, we've all had pay rises, the nurses. Yep. Yep. Yep.\n\nYep. Yep. Mhmm. Sorry? No.\n\nNot full time, love. Point nine. Yes. Yes. But I'm I'm contracted for point eight, but I pick up an extra shift.\n\nYeah. Yeah. Virtually. Until I get too tired. I'm just gonna cut back.\n\nYes. Yep. Yep. Yep. Well, like I said, we'll probably end up selling some of our assets that we yeah.\n\nBut what I'm saying is that if we sell some of our assets, I'll probably need less than what I do need now to live off. So I'm saying maybe at a figure of well, comfortably, probably no. Yeah. I know. You're looking 500 a bit.\n\nYeah. $2. Yeah. Well, we got we live off $2 now. A fortnight.\n\nYep. Yes. Yes. Yep. Yep.\n\nYep. Yep. Yes. Well, when I do retire, like I said, I probably want another car unless this car really is you know, it shits itself. You know what I mean?\n\nI can't drive it anymore or something like that, but I would like to get a car out of my super. And that'll only be a smaller car too, probably, love. I wouldn't want a Yaris. But for now, for these days, probably about $40. Yep.\n\n40 to 40 5, I suppose. Yep. Yep. Mhmm. Yep.\n\nYep. Yep. Thank you. Thank you very much, Diana. No.\n\nI think that I'm pretty comfortable with life at the moment. Thank you for yours. Alright. When I go upstairs, I'll turn my computer on. You pay love.\n\nThank you. Thank you very much, Dana. Thanks a lot, love. Bye. You too.\n\nBye now.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.0305727981030941},{"text":"I'm good.","start":6.24,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5245331227779388},{"text":"Thank you.","start":6.8799996,"end":7.62,"sentiment":"positive","sentiment_score":0.7031230926513672},{"text":"Yes.","start":15.295,"end":15.535,"sentiment":"neutral","sentiment_score":0.2354297935962677},{"text":"I guess, love.","start":15.535,"end":16.255001,"sentiment":"neutral","sentiment_score":0.2572795550028483}],"sentiment":"positive","sentiment_score":0.388128187507391,"num_words":9,"start":1.1999999,"end":16.255001},{"sentences":[{"text":"It's not not a bad time at all.","start":16.255001,"end":18.195,"sentiment":"positive","sentiment_score":0.3990730680525303},{"text":"Yes, love.","start":27.215,"end":27.99,"sentiment":"neutral","sentiment_score":0.2868996784090996},{"text":"Sharon Mary 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yeah.","start":1539.795,"end":1542.115,"sentiment":"neutral","sentiment_score":0.2909017354249954}],"sentiment":"neutral","sentiment_score":-0.05577582108049557,"num_words":29,"start":1527.3099,"end":1542.115},{"sentences":[{"text":"Yeah.","start":1542.115,"end":1542.615,"sentiment":"neutral","sentiment_score":0.1960207223892212},{"text":"Yeah.","start":1542.675,"end":1542.995,"sentiment":"neutral","sentiment_score":0.16717347502708435},{"text":"So I won't need a caravan anyway when I do retire.","start":1542.995,"end":1546.135,"sentiment":"neutral","sentiment_score":0.10075204413045537},{"text":"You know what I mean?","start":1548.5951,"end":1549.735,"sentiment":"neutral","sentiment_score":0.22386647164821624},{"text":"Yeah.","start":1553.0199,"end":1553.5199,"sentiment":"neutral","sentiment_score":0.1712721884250641}],"sentiment":"neutral","sentiment_score":0.14537216997460314,"num_words":19,"start":1542.115,"end":1553.5199},{"sentences":[{"text":"Yes.","start":1553.6599,"end":1554.1599,"sentiment":"neutral","sentiment_score":0.18989628553390503},{"text":"I know, love.","start":1554.22,"end":1555.2,"sentiment":"neutral","sentiment_score":0.24224178989728293},{"text":"Yeah.","start":1555.98,"end":1556.2999,"sentiment":"neutral","sentiment_score":0.03190096840262413},{"text":"So what?","start":1556.2999,"end":1562.72,"sentiment":"neutral","sentiment_score":0.007615172769874334},{"text":"My super?","start":1562.86,"end":1563.6,"sentiment":"neutral","sentiment_score":-0.017504538409411907}],"sentiment":"neutral","sentiment_score":0.10319376581658919,"num_words":9,"start":1553.6599,"end":1563.6},{"sentences":[{"text":"Oh, Ron?","start":1564.38,"end":1565.2,"sentiment":"neutral","sentiment_score":-0.03960433416068554},{"text":"No.","start":1566.955,"end":1567.4349,"sentiment":"neutral","sentiment_score":-0.04486873745918274},{"text":"Yeah.","start":1567.4349,"end":1567.6749,"sentiment":"neutral","sentiment_score":-0.016494020819664},{"text":"He's only got about $2,020,000 dollars left, love.","start":1567.6749,"end":1570.815,"sentiment":"neutral","sentiment_score":0.012545015255454928},{"text":"Yeah.","start":1572.075,"end":1572.315,"sentiment":"neutral","sentiment_score":-0.11136742681264876}],"sentiment":"neutral","sentiment_score":-0.011659902413017474,"num_words":13,"start":1564.38,"end":1572.315},{"sentences":[{"text":"It wasn't big it wasn't a big figure.","start":1572.315,"end":1574.255,"sentiment":"neutral","sentiment_score":-0.1559134591370821},{"text":"It wasn't.","start":1574.875,"end":1575.5349,"sentiment":"neutral","sentiment_score":-0.021946744993329048},{"text":"Probably not now.","start":1594.425,"end":1595.485,"sentiment":"neutral","sentiment_score":-0.11171725889046986},{"text":"I don't know how much I actually earn.","start":1596.505,"end":1598.6849,"sentiment":"neutral","sentiment_score":-0.06993065308779478},{"text":"Might be more towards 80.","start":1599.785,"end":1601.645,"sentiment":"neutral","sentiment_score":0.0012483576312661171}],"sentiment":"neutral","sentiment_score":-0.08382909139618278,"num_words":26,"start":1572.315,"end":1601.645},{"sentences":[{"text":"Maybe 80 in the morning.","start":1603.145,"end":1604.34,"sentiment":"neutral","sentiment_score":0.04526396691799164},{"text":"Yep.","start":1605.7799,"end":1606.2799,"sentiment":"neutral","sentiment_score":0.09462396800518036},{"text":"Yep.","start":1612.74,"end":1613.24,"sentiment":"neutral","sentiment_score":0.06604760140180588},{"text":"Yep.","start":1613.2999,"end":1613.7999,"sentiment":"neutral","sentiment_score":0.09707361459732056},{"text":"Okay.","start":1621.075,"end":1621.575,"sentiment":"neutral","sentiment_score":0.11953853070735931}],"sentiment":"neutral","sentiment_score":0.06706706103351381,"num_words":9,"start":1603.145,"end":1621.575},{"sentences":[{"text":"Not a problem.","start":1621.7949,"end":1622.615,"sentiment":"neutral","sentiment_score":0.3196346660455068},{"text":"Oh, jeez.","start":1630.595,"end":1631.575,"sentiment":"neutral","sentiment_score":0.0009967328514903784},{"text":"Yeah.","start":1634.29,"end":1634.61,"sentiment":"neutral","sentiment_score":0.0308234840631485},{"text":"Yeah.","start":1634.61,"end":1635.11,"sentiment":"neutral","sentiment_score":0.03317634388804436},{"text":"I think it was near the eighty eighty mark.","start":1637.49,"end":1639.57,"sentiment":"neutral","sentiment_score":0.03537453959385554}],"sentiment":"neutral","sentiment_score":0.08395425925846212,"num_words":16,"start":1621.7949,"end":1639.57},{"sentences":[{"text":"Yeah.","start":1639.57,"end":1640.07,"sentiment":"neutral","sentiment_score":0.04992237687110901},{"text":"You see, we've all had pay rises, the nurses.","start":1641.89,"end":1644.765,"sentiment":"neutral","sentiment_score":0.1797269648975796},{"text":"Yep.","start":1649.945,"end":1650.445,"sentiment":"positive","sentiment_score":0.35217851400375366},{"text":"Yep.","start":1657.225,"end":1657.725,"sentiment":"neutral","sentiment_score":0.3105490803718567},{"text":"Yep.","start":1665.46,"end":1665.96,"sentiment":"neutral","sentiment_score":0.0961577445268631}],"sentiment":"neutral","sentiment_score":0.1866423384501384,"num_words":13,"start":1639.57,"end":1665.96},{"sentences":[{"text":"Yep.","start":1666.5,"end":1666.74,"sentiment":"neutral","sentiment_score":0.07339422404766083},{"text":"Yep.","start":1666.74,"end":1667.24,"sentiment":"neutral","sentiment_score":0.1245618611574173},{"text":"Mhmm.","start":1668.26,"end":1668.76,"sentiment":"neutral","sentiment_score":0.05255287513136864},{"text":"Sorry?","start":1671.38,"end":1671.88,"sentiment":"neutral","sentiment_score":-0.011979511007666588},{"text":"No.","start":1672.545,"end":1672.785,"sentiment":"neutral","sentiment_score":-0.021375741809606552}],"sentiment":"neutral","sentiment_score":0.043430741503834726,"num_words":5,"start":1666.5,"end":1672.785},{"sentences":[{"text":"Not full time, love.","start":1672.785,"end":1673.9851,"sentiment":"neutral","sentiment_score":0.004063321277499199},{"text":"Point nine.","start":1673.9851,"end":1674.7251,"sentiment":"neutral","sentiment_score":0.02421741932630539},{"text":"Yes.","start":1676.4651,"end":1676.9651,"sentiment":"neutral","sentiment_score":0.06617647409439087},{"text":"Yes.","start":1680.545,"end":1681.045,"sentiment":"neutral","sentiment_score":0.03780985623598099},{"text":"But I'm I'm contracted for point eight, but I pick up an extra shift.","start":1685.8301,"end":1689.77,"sentiment":"neutral","sentiment_score":0.052605170224394114}],"sentiment":"neutral","sentiment_score":0.0411430380561135,"num_words":22,"start":1672.785,"end":1689.77},{"sentences":[{"text":"Yeah.","start":1695.67,"end":1696.17,"sentiment":"neutral","sentiment_score":0.013837496750056744},{"text":"Yeah.","start":1696.87,"end":1697.27,"sentiment":"neutral","sentiment_score":0.047935958951711655},{"text":"Virtually.","start":1697.27,"end":1697.77,"sentiment":"neutral","sentiment_score":0.1369534730911255},{"text":"Until I get too tired.","start":1700.855,"end":1702.555,"sentiment":"neutral","sentiment_score":-0.0465372696518898},{"text":"I'm just gonna cut back.","start":1703.8151,"end":1705.355,"sentiment":"neutral","sentiment_score":-0.08981188833713531}],"sentiment":"neutral","sentiment_score":-0.03715529701171013,"num_words":13,"start":1695.67,"end":1705.355},{"sentences":[{"text":"Yes.","start":1713.34,"end":1713.84,"sentiment":"neutral","sentiment_score":0.18860553205013275},{"text":"Yep.","start":1727.115,"end":1727.615,"sentiment":"neutral","sentiment_score":0.11573781818151474},{"text":"Yep.","start":1730.7151,"end":1731.2151,"sentiment":"neutral","sentiment_score":0.10553377866744997},{"text":"Yep.","start":1746.25,"end":1746.75,"sentiment":"neutral","sentiment_score":0.060847993940114975},{"text":"Well, like I said, we'll probably end up selling some of our assets that we yeah.","start":1769.1599,"end":1776.145,"sentiment":"neutral","sentiment_score":-0.03685277502518147}],"sentiment":"neutral","sentiment_score":-0.005945963878184557,"num_words":20,"start":1713.34,"end":1776.145},{"sentences":[{"text":"But what I'm saying is that if we sell some of our assets, I'll probably need less than what I do need now to live off.","start":1776.285,"end":1783.425,"sentiment":"neutral","sentiment_score":-0.06992040230677678},{"text":"So I'm saying maybe at a figure of well, comfortably, probably no.","start":1784.925,"end":1792.87,"sentiment":"neutral","sentiment_score":-0.016872736528360594},{"text":"Yeah.","start":1795.8099,"end":1796.13,"sentiment":"neutral","sentiment_score":-0.01447799801826477},{"text":"I know.","start":1796.13,"end":1796.61,"sentiment":"neutral","sentiment_score":-0.027478279545903206},{"text":"You're looking 500 a bit.","start":1796.61,"end":1798.23,"sentiment":"neutral","sentiment_score":-0.021192516013979912}],"sentiment":"neutral","sentiment_score":-0.047734792076010744,"num_words":46,"start":1776.285,"end":1798.23},{"sentences":[{"text":"Yeah.","start":1799.33,"end":1799.57,"sentiment":"neutral","sentiment_score":-0.0028883861377835274},{"text":"$2.","start":1799.57,"end":1800.255,"sentiment":"neutral","sentiment_score":-0.002852032892405987},{"text":"Yeah.","start":1802.015,"end":1802.175,"sentiment":"neutral","sentiment_score":0.0016889739781618118},{"text":"Well, we got we live off $2 now.","start":1802.175,"end":1804.5349,"sentiment":"neutral","sentiment_score":-0.0026563468854874372},{"text":"A fortnight.","start":1804.5349,"end":1805.475,"sentiment":"neutral","sentiment_score":-0.0034186372067779303}],"sentiment":"neutral","sentiment_score":-0.002472268811498697,"num_words":13,"start":1799.33,"end":1805.475},{"sentences":[{"text":"Yep.","start":1807.855,"end":1808.355,"sentiment":"neutral","sentiment_score":0.00633983826264739},{"text":"Yes.","start":1809.295,"end":1809.795,"sentiment":"neutral","sentiment_score":0.033997792750597},{"text":"Yes.","start":1810.255,"end":1810.755,"sentiment":"neutral","sentiment_score":0.04532381147146225},{"text":"Yep.","start":1815.215,"end":1815.51,"sentiment":"neutral","sentiment_score":0.06032423675060272},{"text":"Yep.","start":1818.23,"end":1818.73,"sentiment":"neutral","sentiment_score":0.15880483388900757}],"sentiment":"neutral","sentiment_score":0.06095810262486338,"num_words":5,"start":1807.855,"end":1818.73},{"sentences":[{"text":"Yep.","start":1820.95,"end":1821.45,"sentiment":"neutral","sentiment_score":0.13676369190216064},{"text":"Yep.","start":1827.59,"end":1828.09,"sentiment":"neutral","sentiment_score":0.0254192017018795},{"text":"Yes.","start":1840.165,"end":1840.565,"sentiment":"neutral","sentiment_score":-0.002177509479224682},{"text":"Well, when I do retire, like I said, I probably want another car unless this car really is you know, it shits itself.","start":1840.565,"end":1848.03,"sentiment":"neutral","sentiment_score":-0.17485151245542194},{"text":"You know what I mean?","start":1848.49,"end":1849.13,"sentiment":"neutral","sentiment_score":-0.11820482462644577}],"sentiment":"neutral","sentiment_score":-0.14363237178974575,"num_words":31,"start":1820.95,"end":1849.13},{"sentences":[{"text":"I can't drive it anymore or something like that, but I would like to get a car out of my super.","start":1849.13,"end":1854.525,"sentiment":"neutral","sentiment_score":-0.1143885583927234},{"text":"And that'll only be a smaller car too, probably, love.","start":1855.145,"end":1858.185,"sentiment":"neutral","sentiment_score":-0.018178893253207207},{"text":"I wouldn't want a Yaris.","start":1858.185,"end":1859.405,"sentiment":"neutral","sentiment_score":-0.1115311250090599},{"text":"But for now, for these days, probably about $40.","start":1867.0651,"end":1870.9099,"sentiment":"neutral","sentiment_score":-0.0015302976696855491},{"text":"Yep.","start":1872.89,"end":1873.39,"sentiment":"neutral","sentiment_score":0.16526161134243011}],"sentiment":"neutral","sentiment_score":-0.06500250764150659,"num_words":46,"start":1849.13,"end":1873.39},{"sentences":[{"text":"40 to 40 5, I suppose.","start":1874.25,"end":1875.95,"sentiment":"neutral","sentiment_score":0.06987267608443896},{"text":"Yep.","start":1884.1699,"end":1884.585,"sentiment":"neutral","sentiment_score":0.21484601497650144},{"text":"Yep.","start":1887.065,"end":1887.565,"sentiment":"positive","sentiment_score":0.3538373112678528},{"text":"Mhmm.","start":1894.345,"end":1894.845,"sentiment":"neutral","sentiment_score":0.04816534370183945},{"text":"Yep.","start":1903.08,"end":1903.58,"sentiment":"neutral","sentiment_score":0.06690973788499832}],"sentiment":"neutral","sentiment_score":0.11029944643378257,"num_words":10,"start":1874.25,"end":1903.58},{"sentences":[{"text":"Yep.","start":1905.0,"end":1905.5,"sentiment":"neutral","sentiment_score":0.08608554303646088},{"text":"Yep.","start":1921.415,"end":1921.915,"sentiment":"neutral","sentiment_score":0.06883164495229721},{"text":"Thank you.","start":1922.455,"end":1923.275,"sentiment":"neutral","sentiment_score":0.3245401680469513},{"text":"Thank you very much, Diana.","start":1928.61,"end":1930.23,"sentiment":"positive","sentiment_score":0.4364470839500427},{"text":"No.","start":1941.825,"end":1942.225,"sentiment":"neutral","sentiment_score":-0.14163075387477875}],"sentiment":"neutral","sentiment_score":0.28446021899580953,"num_words":10,"start":1905.0,"end":1942.225},{"sentences":[{"text":"I think that I'm pretty comfortable with life at the moment.","start":1942.225,"end":1945.365,"sentiment":"neutral","sentiment_score":-0.14248752390796487},{"text":"Thank you for yours.","start":1951.92,"end":1953.14,"sentiment":"positive","sentiment_score":0.3392407298088074},{"text":"Alright.","start":1955.6,"end":1956.1,"sentiment":"neutral","sentiment_score":0.11618600785732268},{"text":"When I go upstairs, I'll turn my computer on.","start":1957.28,"end":1961.0599,"sentiment":"neutral","sentiment_score":0.04337093234062195},{"text":"You pay love.","start":1963.115,"end":1964.015,"sentiment":"positive","sentiment_score":0.4884631633758545}],"sentiment":"neutral","sentiment_score":0.06291121590350356,"num_words":28,"start":1942.225,"end":1964.015},{"sentences":[{"text":"Thank you.","start":1973.115,"end":1973.855,"sentiment":"positive","sentiment_score":0.5807353556156158},{"text":"Thank you very much, Dana.","start":1989.335,"end":1991.035,"sentiment":"positive","sentiment_score":0.6416729807853698},{"text":"Thanks a lot, love.","start":1998.695,"end":1999.915,"sentiment":"positive","sentiment_score":0.7762803733348846},{"text":"Bye.","start":2000.615,"end":2001.115,"sentiment":"positive","sentiment_score":0.5673726797103882},{"text":"You too.","start":2002.775,"end":2003.415,"sentiment":"positive","sentiment_score":0.3486906737089157}],"sentiment":"positive","sentiment_score":0.6242650811161313,"num_words":14,"start":1973.115,"end":2003.415},{"sentences":[{"text":"Bye now.","start":2003.415,"end":2004.155,"sentiment":"neutral","sentiment_score":0.023811932653188705}],"sentiment":"neutral","sentiment_score":0.023811932653188705,"num_words":2,"start":2003.415,"end":2004.155}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Sharon. This is Dana from Ophi Financial. How are you today?\n\nChannel 1: I'm good. Thank you.\n\nChannel 0: That's good. I have you booked in for a bit of a follow-up conversation in relation to your annual review a few months back. Is now still a good time there for you?\n\nChannel 1: Yes. I guess, love. It's not not a bad time at all.\n\nChannel 0: Oh, fantastic. And before we jump into the call there, Sarah, and just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes, love.\n\nChannel 0: Fantastic. And just to the security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Sharon Mary McDonald.\n\nChannel 0: Yep.\n\nChannel 1: Fourteen eleven sixty five.\n\nChannel 0: Beautiful. Thank you so much for that. So, Sharon, when you did your annual review back in January with my colleague, Michelle, you may have mentioned you wanted to speak to an adviser about looking at some additional ways to\n\nChannel 1: Yeah.\n\nChannel 0: save paying additional tax. Does that sound familiar?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Yep. All good. Can I start by just sort of finding out a bit more about what it is you're after and what's sort of happening at the moment?\n\nChannel 1: Well, I'm sorry, sacrificing.\n\nChannel 0: Right. Yep. Beautiful.\n\nChannel 1: I am. And I was wondering whether I'd be able to put extra on my signature salary sacrificing.\n\nChannel 0: Yeah. Yes. So you absolutely can. So when you say salary sacrificing, your salary sacrificing into super at the moment, or are you salary packaging to elsewhere?\n\nChannel 1: For my mortgage, but my mortgage is paid off now, love.\n\nChannel 0: Okay. Perfect. Well, congratulations. I love\n\nChannel 1: Yes.\n\nChannel 0: that.\n\nChannel 1: Thank you. Thank\n\nChannel 0: Fantastic.\n\nChannel 1: you.\n\nChannel 0: Fantastic.\n\nChannel 1: Oh, don't worry. We bought a caravan.\n\nChannel 0: Nice. Nice.\n\nChannel 1: Yeah.\n\nChannel 0: Well, there there are definitely ways that we can do this. Having a look at things at the moment, now yours 60 at the moment, so you do qualify for some additional strategies. One of\n\nChannel 1: Yes. Yep.\n\nChannel 0: the additional strategies we can look at is what's\n\nChannel 1: Yep.\n\nChannel 0: called a transition retirement strategy. Essentially, this is where we look at opening up a a transitional pension account. We keep\n\nChannel 1: Yep.\n\nChannel 0: your super open. We move most of the money over into this secondary account here. We increase your contributions in the super up to the cap as much as we absolutely can. And because\n\nChannel 1: Yep.\n\nChannel 0: you're over 60, we're able to draw a little bit of money out of super.\n\nChannel 1: Yep.\n\nChannel 0: The money you draw out is completely tax free, and it\n\nChannel 1: Yep.\n\nChannel 0: helps to bring back your tax your net income to where it was prior to the salary sacrifice going in. So it's\n\nChannel 1: Yep.\n\nChannel 0: kind of a cool strategy where you end up with two super accounts. You're putting more money into super, but your take home pay stays the same. You get to save in the tax side of things because you are\n\nChannel 1: Yep.\n\nChannel 0: putting more money into super, and it can provide a bit of boost to your super fund as well because money inside\n\nChannel 1: Yep. Yep.\n\nChannel 0: super is taxed\n\nChannel 1: Yep.\n\nChannel 0: differently to outside of super there. Would you like me to have a look and see if that might provide a greater benefit\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: to you? Yeah. You sound\n\nChannel 1: So\n\nChannel 0: a little\n\nChannel 1: I'm\n\nChannel 0: bit unsure.\n\nChannel 1: I'm worried. I'm I'm more worried about the fact, love, that my super won't be enough for me to retire on.\n\nChannel 0: Okay. We can have\n\nChannel 1: Yeah.\n\nChannel 0: a look at that as well. That's absolutely\n\nChannel 1: Yeah.\n\nChannel 0: fine. So let's\n\nChannel 1: Mhmm.\n\nChannel 0: have a look at your goals and what you're after, and then I can go back and do the do the research, have a look at the advice,\n\nChannel 1: Mhmm.\n\nChannel 0: look at whether that TTR strategy will suit you, look at, you know, what we're tracking for and how this works. So\n\nChannel 1: Yep.\n\nChannel 0: just double checking now. I'm just removing because you said you are now debt free. You've completely paid your mortgage off, which is great.\n\nChannel 1: Yep.\n\nChannel 0: I've got down here last time we caught up, you were salary sacrificing about $230 per fortnight in the super. Is that right?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. Excellent. Your goal for accessing super\n\nChannel 1: Yep.\n\nChannel 0: I actually don't have one here. When are you sort of hoping to be able to access super and fully retire? When's your goal age?\n\nChannel 1: 67 would be the max probably, love.\n\nChannel 0: 67. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: We can\n\nChannel 1: I\n\nChannel 0: work\n\nChannel 1: mean, I'm\n\nChannel 0: on that.\n\nChannel 1: I'm pretty I'm pretty healthy and active.\n\nChannel 0: Yeah.\n\nChannel 1: You\n\nChannel 0: Fantastic.\n\nChannel 1: know what I mean? So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: That that's my retirement age. So and if I stay till fifth 67, I\n\nChannel 0: Mhmm.\n\nChannel 1: would have been nursing for fifty years.\n\nChannel 0: Wow. That is incredible, honestly.\n\nChannel 1: So\n\nChannel 0: Wow.\n\nChannel 1: that's\n\nChannel 0: And\n\nChannel 1: one\n\nChannel 0: because\n\nChannel 1: of my goals was to meet that.\n\nChannel 0: yeah. I\n\nChannel 1: Unless\n\nChannel 0: love\n\nChannel 1: my\n\nChannel 0: that.\n\nChannel 1: health does unless my health does otherwise.\n\nChannel 0: Yeah.\n\nChannel 1: You know what\n\nChannel 0: Absolutely.\n\nChannel 1: I mean? My health might yeah. I don't know what\n\nChannel 0: Yeah. No. That's\n\nChannel 1: will\n\nChannel 0: absolutely\n\nChannel 1: happen\n\nChannel 0: fine. Beautiful.\n\nChannel 1: when\n\nChannel 0: We've\n\nChannel 1: I\n\nChannel 0: got a really good healthy\n\nChannel 1: get\n\nChannel 0: super balance\n\nChannel 1: older.\n\nChannel 0: looking at things at the moment\n\nChannel 1: So\n\nChannel 0: there.\n\nChannel 1: Yes.\n\nChannel 0: I will go back and obviously have a look at how your suit has invested as well if you like and look at, you know, what how it's been performing, look at whether\n\nChannel 1: Yep.\n\nChannel 0: there's any investments that we maybe need to look at removing\n\nChannel 1: Yep.\n\nChannel 0: out for you.\n\nChannel 1: Yeah.\n\nChannel 0: With the way you're invested, I'm just having a quick look in the super fund at the moment there now. I'm just double checking. Sharon, can I just confirm your middle name?\n\nChannel 1: No. Mary.\n\nChannel 0: Beautiful. No. It's okay. I'm just making sure I'm looking at the same one because believe it or not, your name is actually very common.\n\nChannel 1: Yep.\n\nChannel 0: Just wanna make sure I'm not giving you anything incorrect.\n\nChannel 1: That's alright.\n\nChannel 0: Let's have a look.\n\nChannel 1: You see,\n\nChannel 0: How's\n\nChannel 1: when\n\nChannel 0: it\n\nChannel 1: I retired,\n\nChannel 0: all\n\nChannel 1: love, me and my husband, I've got a lip of my super.\n\nChannel 0: going? Right. Okay. So he doesn't have anything in the way of super or much?\n\nChannel 1: Mhmm. No. Not much at all. He's been\n\nChannel 0: Okay.\n\nChannel 1: a sole trader for most most of the years. Now he's\n\nChannel 0: Okay.\n\nChannel 1: vaccinated.\n\nChannel 0: Right. Okay. I'm having a look here at your notes. It made mention that he wasn't working at all. He'd hurt himself\n\nChannel 1: Yeah.\n\nChannel 0: and wasn't able to work from January. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So sorry to hear that. That's awful.\n\nChannel 1: Oh, that's alright. That's okay.\n\nChannel 0: And can I ask how old was Ron?\n\nChannel 1: Sorry?\n\nChannel 0: How old your husband, Ronald, I believe?\n\nChannel 1: 64. 64\n\nChannel 0: Fifty\n\nChannel 1: left.\n\nChannel 0: four. Oh,\n\nChannel 1: Mhmm.\n\nChannel 0: 64. Yep. Okay. Perfect. Excellent.\n\nSo he'll\n\nChannel 1: Yep.\n\nChannel 0: be reaching a 67 prior to you, a bit earlier than you.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: That's okay. Good to sort of take into account because age pension eligibility is when the oldest one of you reaches age 67. So because\n\nChannel 1: Yep.\n\nChannel 0: he's 64 now, he'll reach 67 prior to you, which means he'll be eligible to access the age pension prior.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: But\n\nChannel 0: I can\n\nChannel 1: if\n\nChannel 0: even\n\nChannel 1: I keep\n\nChannel 0: look\n\nChannel 1: working,\n\nChannel 0: at that.\n\nChannel 1: he won't get a thing.\n\nChannel 0: Depends on what your income is.\n\nChannel 1: Yeah.\n\nChannel 0: They do\n\nChannel 1: No.\n\nChannel 0: allow your assessment of the income and the assets test, and it depends on\n\nChannel 1: Yeah.\n\nChannel 0: what your income is. So at the moment,\n\nChannel 1: Yeah.\n\nChannel 0: the threshold is, and I can tell you what the maximum is actually not too bad at all. And it Can definitely change because they index these twice a year around the March 20 and the September 20.\n\nChannel 1: Yes.\n\nChannel 0: I'm just double checking the threshold for single people. Sorry. I've been looking at the threshold for couples for the last few weeks. So at the moment, the maximum so you would be under a couple living together\n\nChannel 1: Yep.\n\nChannel 0: even though he would be the only one eligible to receive the age pension. So\n\nChannel 1: Yep.\n\nChannel 0: fortnightly income cutoff point would be 4,000 per annum combined before he would be not eligible for any age pension whatever whatsoever.\n\nChannel 1: Yep.\n\nChannel 0: So say 4,026 fortnight. It's actually not\n\nChannel 1: Wow.\n\nChannel 0: bad. It's about it's quite a huge sum of money. Yeah.\n\nChannel 1: Yeah. That is.\n\nChannel 0: Yeah. It's about a 100\n\nChannel 1: Yeah.\n\nChannel 0: thousand dollars a year. So, realistically,\n\nChannel 1: Yeah. Even if I'm working\n\nChannel 0: even\n\nChannel 1: up\n\nChannel 0: sorry?\n\nChannel 1: Is that even if I'm working?\n\nChannel 0: Yeah. So it goes on your income. So what happens\n\nChannel 1: Yeah.\n\nChannel 0: is in order to apply for age pension, even though he'll be the only one eligible, he'll he'll apply, and they'll assess all of your joint assets together. So your your cards, your contents, all your savings accounts. If you're\n\nChannel 1: Yep.\n\nChannel 0: not 67, your accumulation super won't be assessable. But if you have anything in a pension phase, that will be assessable.\n\nChannel 1: Yep.\n\nChannel 0: His\n\nChannel 1: Yep.\n\nChannel 0: super is assessable as well. And, essentially, they can they assess both of you together as a a couple because if you pass away, he's still eligible to keep all of the assets, essentially, and all the money and things like that\n\nChannel 1: Yay.\n\nChannel 0: and inherit\n\nChannel 1: Yep.\n\nChannel 0: everything. So they assess the\n\nChannel 1: Yep.\n\nChannel 0: both of you together. And if you're working, they assess your income,\n\nChannel 1: Yep.\n\nChannel 0: and then they give him the difference between what you're earning and what he's eligible for. So\n\nChannel 1: Very good.\n\nChannel 0: yeah. Yeah. So\n\nChannel 1: Okay.\n\nChannel 0: there is there is still a bit out there for you. I spoke to someone a few hours ago who was like, I'm not gonna be able to get each pension. I was like, no. No. You are.\n\nYeah. You currently, it looks like you might be able to. You're eligible. So\n\nChannel 1: This is there something going to happen with Super and the government?\n\nChannel 0: what\n\nChannel 1: I\n\nChannel 0: do\n\nChannel 1: heard\n\nChannel 0: you mean?\n\nChannel 1: one of the well, I heard one of the patients talking today,\n\nChannel 0: Yeah.\n\nChannel 1: and I was gonna be getting bits bits and pieces of it. But\n\nChannel 0: Yeah.\n\nChannel 1: they were saying that the government's gonna stuff everybody's government, superannuation up.\n\nChannel 0: Oh, I don't see any of that happening at the moment. So superannuation goes under a set legislation where super because it's part of your income, the first 12% of your income is put into super, but it's still considered income and it's still included in your assessable income for taxation. So,\n\nChannel 1: Yep.\n\nChannel 0: essentially,\n\nChannel 1: Yep.\n\nChannel 0: that is partly your money. And the idea the superannuation legislation is that super is to be held for the\n\nChannel 1: Yep.\n\nChannel 0: benefit of the member for retirement years.\n\nChannel 1: Yeah.\n\nChannel 0: So there's nothing in the legislation that says the government can access that, take the money away, or do anything with it because that would go against the SIS Act and the super legislation. I\n\nChannel 1: Uh-huh.\n\nChannel 0: have definitely heard people in the past mention they think the government's gonna take all of that super. They actually\n\nChannel 1: Yeah.\n\nChannel 0: can't do that, so I\n\nChannel 1: Uh-huh.\n\nChannel 0: don't I don't\n\nChannel 1: Oh,\n\nChannel 0: foresee\n\nChannel 1: that's\n\nChannel 0: that\n\nChannel 1: good.\n\nChannel 0: happening anytime soon. If they do take your super, then they should be willing to give you all the tax back too because that's the first 12% of your income, your hard earned time that goes into super fee retirement.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: It was\n\nChannel 0: that's\n\nChannel 1: just couple of guys talking to each other and they're just going, oh, you know, oh, we're screwed. You know what I mean? The government's gonna keep all the money and you know, and I'm thinking,\n\nChannel 0: no.\n\nChannel 1: oh my god. Yeah.\n\nChannel 0: No. No. No. Definitely not. Well, I'll make sure that doesn't happen.\n\nChannel 1: Mhmm.\n\nChannel 0: But no. Look. It it definitely goes against the SIS Act because the SIS Act is at a superannuation fund. The superannuation trustee is to hold that money in trust\n\nChannel 1: Yep.\n\nChannel 0: for you when you retire and make that condition of the lease, and that is all held under the CIS Act. So the government is going in there and taking money out of your super, goes against all of that. And,\n\nChannel 1: Yeah.\n\nChannel 0: I mean, it's part of as I said, it's part of your income, so they definitely can't do that. But we're as your advisers, we do look at the legislation, look at the changes that are coming in, and see, you know, what we can do to help and talk about the things that are coming. So,\n\nChannel 1: Yep.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: know, if you ever are concerned or hearing anything, do reach out. Let me know. I'm here to definitely\n\nChannel 1: Yep.\n\nChannel 0: help you. Okay?\n\nChannel 1: Thank you, love.\n\nChannel 0: That's okay. Now just having a look at things with your risk profile. I just wanna make sure when we are looking at your investments that you are invested in the correct risk profile there. So just sort of double checking, we're working on an age of, say, 67 for retirement at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: Is that\n\nChannel 1: Yep.\n\nChannel 0: realistically the the earliest you'd wanna stop working, or do you think maybe the earlier?\n\nChannel 1: Oh, look. I'd like to do it early, but it'd be nice to do the fifty years,\n\nChannel 0: Yep. Yep. Beautiful.\n\nChannel 1: and I'm active\n\nChannel 0: That's okay.\n\nChannel 1: enough.\n\nChannel 0: Fantastic. We'll take it. So\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: mean,\n\nChannel 0: gives\n\nChannel 1: if\n\nChannel 0: you\n\nChannel 1: I get\n\nChannel 0: roughly.\n\nChannel 1: really if I if I get ill, you don't know what's gonna happen in two years' time or three years' time. I could get\n\nChannel 0: Yeah.\n\nChannel 1: ill. You know what\n\nChannel 0: Absolutely.\n\nChannel 1: I mean? So and then I wanna\n\nChannel 0: Yeah.\n\nChannel 1: retire. You know?\n\nChannel 0: Absolutely.\n\nChannel 1: It's really hard hard to know what,\n\nChannel 0: Yes.\n\nChannel 1: but as as I am now, I would just like to keep on working.\n\nChannel 0: Yeah. No. Absolutely. Not a problem at all. We're working on a sort of six to seven year time horizon.\n\nChannel 1: Yep.\n\nChannel 0: Easy. With the markets with the way investments are, when you're taking on more risk in the markets, you do also risk a downtime. And we know no matter what you were invested in, portfolios and investments will always see some sort of downturns that we need to sort of wade through. When we look\n\nChannel 1: Yes.\n\nChannel 0: at investing, we look at your time horizon, so how long you have between now to when you wanna access it, which helps us to guide how you should\n\nChannel 1: Yes.\n\nChannel 0: be invested. But we also consider, you know, what happens in the event of a downtime, how you might feel. So if we saw your super fall over the next sort of one, two, three, or even five years by, say, 10 or 20%, would you\n\nChannel 1: Yep.\n\nChannel 0: be feeling like you wanna put more money in and take advantage of that? Are you feeling concerned and maybe calling us and seeing what we can do? Or are\n\nChannel 1: Yeah.\n\nChannel 0: you just wanting to sell everything and move to something more more secure? How do you think you might feel?\n\nChannel 1: I'll probably call you and ask what we could do.\n\nChannel 0: Yeah. Yeah. Beautiful. Love it. Excellent.\n\nIt's actually a very good answer. There we go. And I'll just tick the box there for you. How do you look at things? So you've only ever owned your main primary residence.\n\nHave you ever owned investments outside of super, or have you ever owned an investment property or anything like that?\n\nChannel 1: No. No. No.\n\nChannel 0: Nope. That's okay. And in the past, have you ever seen your super fall in value before? I know ever sorry.\n\nChannel 1: Yeah. But when I was with the other superannuation mob\n\nChannel 0: Yep. Okay. So when your\n\nChannel 1: I\n\nChannel 0: super\n\nChannel 1: mean, it\n\nChannel 0: had\n\nChannel 1: falls\n\nChannel 0: fallen,\n\nChannel 1: with\n\nChannel 0: it's\n\nChannel 1: this one, love, but it goes up pretty\n\nChannel 0: Yes.\n\nChannel 1: you know what I\n\nChannel 0: Yep.\n\nChannel 1: mean? It goes up too.\n\nChannel 0: Yep. Yeah. No.\n\nChannel 1: You\n\nChannel 0: Perfect.\n\nChannel 1: know what I\n\nChannel 0: And\n\nChannel 1: mean?\n\nChannel 0: that's\n\nChannel 1: So I\n\nChannel 0: what\n\nChannel 1: just\n\nChannel 0: we\n\nChannel 1: put\n\nChannel 0: wanna\n\nChannel 1: yeah.\n\nChannel 0: see.\n\nChannel 1: Up and\n\nChannel 0: Yeah.\n\nChannel 1: down, up and down, but, you know, it is growing.\n\nChannel 0: It is absolutely\n\nChannel 1: Yeah.\n\nChannel 0: beautiful. So if it is when you do sort of see your super fall in value a little bit, how do you see you feel about that? Does it make you feel optimistic about the investment opportunities ahead? Are you a bit concerned? Are you a bit anxious?\n\nHow does it generally make you feel when you do see a drop a little bit?\n\nChannel 1: Oh, just probably a little bit concerned with what the\n\nChannel 0: Yep.\n\nChannel 1: world's doing these days.\n\nChannel 0: Yep. Yep.\n\nChannel 1: You know what I\n\nChannel 0: Perfect.\n\nChannel 1: mean? So, I mean, yeah, you could say that I was concerned. I'd be a little bit concerned.\n\nChannel 0: Yep. No. That's absolutely fine. Not a problem at all. So with where you have scored there at the moment, you get scored as more of a moderate investor.\n\nAnd to give you a bit of an outlook with what your portfolio looks like at the moment inside Super, you're in that balanced growth environment. So that essentially sees about 70% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities\n\nChannel 1: Yep.\n\nChannel 0: like gold and silver, precious metals, and then\n\nChannel 1: Yep.\n\nChannel 0: the other 30% in defensive investments, so things like cash, bonds, and fixed interest.\n\nChannel 1: Yep.\n\nChannel 0: A balanced growth investor is considered\n\nChannel 1: Yep.\n\nChannel 0: more conservative. You have a preference for mostly income coming out of it, so dividends and income payments\n\nChannel 1: Yep.\n\nChannel 0: that are made out of the investments. You still want some growth, but you have a very low tolerance for ups and downs in the market.\n\nChannel 1: Yeah.\n\nChannel 0: This sort of a portfolio, we're expecting and chasing returns of around about six to 8% on a yearly basis compounding that forward. And, normally, it suits someone who has about five years before they're wanting to access their super.\n\nChannel 1: Yep.\n\nChannel 0: And because we always can see investors taking some sort of a downturn, the risk of a negative return in this portfolio is expected kind of one in every six years.\n\nChannel 1: Yep.\n\nChannel 0: Do you still feel like you're comfortable being in that sort of a portfolio moving forward for a bit longer, or would you like to maybe start reducing that risk a bit? How do you feel?\n\nChannel 1: I I would feel comfortable doing what I'm so what I'm doing now.\n\nChannel 0: With\n\nChannel 1: Yeah.\n\nChannel 0: doing that? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Excellent. So I'm also having a bit of a look at your investments in your sleep, but just while we're having a bit of a chat and going through that one. All of them have been performing really, really nicely when I look at how it's performed over the past twelve months. You're up net of fees by 13.07%.\n\nSo it is a really good solid positive\n\nChannel 1: Yes.\n\nChannel 0: return.\n\nChannel 1: Mhmm.\n\nChannel 0: Because I am gonna go back and just have a bit of a look at doing that TTR strategy to see if that can provide some benefit for you, I can\n\nChannel 1: Yep.\n\nChannel 0: see one investment in here that is underperforming, that is underperforming against the rest of the market. So I\n\nChannel 1: Yep.\n\nChannel 0: would like to remove it. So you've got the Benelong Australian Equities as an a managed fund. And\n\nChannel 1: Yep.\n\nChannel 0: when that was put in your portfolio, originally, they had seen some really fantastic growth. But then along in the managed fund, they're actually an active fund manager. So that basically means the investment managers behind the scenes, they're choosing when to buy and sell investments, and they're trying\n\nChannel 1: Yep.\n\nChannel 0: to outperform. They're trying to get a better return than the market does, and they're actively managing that funded buying, selling investments on a regular basis to outperform against the rest of the market.\n\nChannel 1: Yep.\n\nChannel 0: Active fund managers often don't perform that well, and they can just outperform the market but don't always.\n\nChannel 1: Yep.\n\nChannel 0: When you have those kinds of active managers in your portfolio, you also can pay a little bit more in fees towards having those there.\n\nChannel 1: Yep.\n\nChannel 0: If you like, I could always look at removing that, putting something else in its space that might be a bit more low cost for you, might also give you a bit more diversification to help with risk mitigation. Does that sound okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. I know I've said a lot, and we've gone through a bit so far. Do you have any questions at the moment? Please let me know if you do.\n\nChannel 1: No. I love it. No. Not really.\n\nChannel 0: No. That's okay.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: No. I\n\nChannel 0: Beautiful.\n\nChannel 1: don't think I do.\n\nChannel 0: Nope. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: don't.\n\nChannel 0: That's\n\nChannel 1: I don't\n\nChannel 0: all\n\nChannel 1: have\n\nChannel 0: good.\n\nChannel 1: to buy\n\nChannel 0: I just\n\nChannel 1: a caravan at at when I retire now because we bought a caravan before I retire.\n\nChannel 0: you got one. Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: I love that. Have you been adding it already or not\n\nChannel 1: No.\n\nChannel 0: yet?\n\nChannel 1: No. Not even Bill\n\nChannel 0: No.\n\nChannel 1: Love. We're waiting\n\nChannel 0: Oh,\n\nChannel 1: for it.\n\nChannel 0: you're building it.\n\nChannel 1: We\n\nChannel 0: Fantastic.\n\nChannel 1: are. Yeah. We wanna we wanna travel. You know what I mean?\n\nChannel 0: Oh,\n\nChannel 1: We're getting\n\nChannel 0: that's\n\nChannel 1: older.\n\nChannel 0: beautiful.\n\nChannel 1: We're not getting any younger.\n\nChannel 0: No. That is awesome. That is really\n\nChannel 1: So\n\nChannel 0: beautiful,\n\nChannel 1: I'll make it\n\nChannel 0: honestly.\n\nChannel 1: out to Edge Rock.\n\nChannel 0: I love\n\nChannel 1: I wanna\n\nChannel 0: that. That's fantastic.\n\nChannel 1: yeah. Yeah. I've been wanting\n\nChannel 0: I\n\nChannel 1: wanting to be Edge Rock, love.\n\nChannel 0: oh, that's fantastic. I love that. With the caravan, I know you haven't quite got that yet, but it's still an asset that you're about to acquire. What sort of\n\nChannel 1: Oh,\n\nChannel 0: value will that be worth when you do get it?\n\nChannel 1: yeah. Oh, but what we paid for it was 70.\n\nChannel 0: 70,000? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. And are there any loans going on the Caravan?\n\nChannel 1: Nope.\n\nChannel 0: Nope. Per perfect. I also have here motor vehicle. Your current vehicle, I'm assuming, asset value is 38,000. Would you keep that the same, do you think?\n\nChannel 1: No. Probably 20 now, love.\n\nChannel 0: 20,000? Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: I don't wanna\n\nChannel 0: what kind\n\nChannel 1: get\n\nChannel 0: of\n\nChannel 1: another\n\nChannel 0: car is it?\n\nChannel 1: car. It's a\n\nChannel 0: Yep.\n\nChannel 1: Mazda\n\nChannel 0: That's okay.\n\nChannel 1: Civic five, but I don't\n\nChannel 0: Mazda.\n\nChannel 1: really wanna get another car until I am more closer to retiring.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: You know\n\nChannel 0: fine.\n\nChannel 1: what I mean?\n\nChannel 0: So\n\nChannel 1: Because it\n\nChannel 0: and\n\nChannel 1: sits\n\nChannel 0: yeah.\n\nChannel 1: out in the sun, the, you know, the paintwork stuff stuff, everything. You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: it's\n\nChannel 0: Perfect.\n\nChannel 1: my work card virtually. It\n\nChannel 0: Yep.\n\nChannel 1: is.\n\nChannel 0: That's\n\nChannel 1: My husband's\n\nChannel 0: absolutely\n\nChannel 1: my husband's\n\nChannel 0: fine.\n\nChannel 1: got a new, my Suzu.\n\nChannel 0: Oh, fantastic. I'll pop that down\n\nChannel 1: I'm ready.\n\nChannel 0: here as well. So Isuzu. And what sort of value would you put on that?\n\nChannel 1: What value you're on? 40. 40?\n\nChannel 0: 40,000?\n\nChannel 1: Mhmm.\n\nChannel 0: Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: And any loans on the ITC?\n\nChannel 1: No. No. Oh, yeah. But we're\n\nChannel 0: No.\n\nChannel 1: paying it off in August, I think.\n\nChannel 0: Okay. Beautiful. I'll just leave it zero and note to be paid\n\nChannel 1: Yeah.\n\nChannel 0: off in August.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Excellent.\n\nChannel 1: Yep. We've\n\nChannel 0: And\n\nChannel 1: we've\n\nChannel 0: then I\n\nChannel 1: also\n\nChannel 0: also\n\nChannel 1: got\n\nChannel 0: had\n\nChannel 1: a\n\nChannel 0: sorry.\n\nChannel 1: a\n\nChannel 0: You're\n\nChannel 1: hot\n\nChannel 0: at?\n\nChannel 1: rod.\n\nChannel 0: Hot rod. Beautiful.\n\nChannel 1: Yeah. My husband's got a hot rod\n\nChannel 0: Lovely.\n\nChannel 1: that we will sell that we are planning on selling soon.\n\nChannel 0: Okay. What sort of asking price are you gonna have on it?\n\nChannel 1: Oh, 70 or 80?\n\nChannel 0: Yep. Beautiful. We'll put 80 on that one for you. And there's no loans you own that hot rod at. Right?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Beautiful. I also\n\nChannel 1: Yeah.\n\nChannel 0: had\n\nChannel 1: 80.\n\nChannel 0: down here that you had some cash, about 5,000 sitting in a cash account. Do you still happen to have that? Yep. Beautiful. Is it still 5,000, or is the value increased or changed?\n\nChannel 1: Yep. No. No. I love it. It's still\n\nChannel 0: Nope. That's okay. Beautiful. And then I've\n\nChannel 1: the\n\nChannel 0: also got down here content that I do like to note as well, especially when we\n\nChannel 1: same.\n\nChannel 0: are looking at the retirement and Centrelink aspect.\n\nChannel 1: Yes.\n\nChannel 0: What sort of do you have content insurance on your property? Or\n\nChannel 1: Yes.\n\nChannel 0: yep.\n\nChannel 1: Love.\n\nChannel 0: Do\n\nChannel 1: We\n\nChannel 0: you\n\nChannel 1: do.\n\nChannel 0: know what do you know what the value of your content is?\n\nChannel 1: I think it's a 100,000, love.\n\nChannel 0: Beautiful. Now the fun part comes, when I'm valuing assets and looking at Centrelink for, like, age pension and retirement planning and things like that, we actually\n\nChannel 1: We got\n\nChannel 0: have\n\nChannel 1: some selling to do.\n\nChannel 0: well, the fun thing\n\nChannel 1: Sorry.\n\nChannel 0: is we actually devalue all your assets for you. So whenever you are applying for the age pension, the one thing Centrelink will ask you on the application is what is the fire sale value? So they're essentially wanting to find out what is if you had to sell all of these things tomorrow, what is the\n\nChannel 1: Yeah.\n\nChannel 0: lowest amount you would take for it if you had a garage sale and got rid of everything to liquidate? What's the lowest amount you'd be willing to take for everything? Now your house is fully exempt for settling purposes. You're not gonna have the hot rod, so we'll note here that hot rod will be gone\n\nChannel 1: Yep.\n\nChannel 0: to be sold. So you won't have that anymore. We'll assume you've probably got some money sitting in the bank,\n\nChannel 1: Yep.\n\nChannel 0: say, 80,000 sitting in there. Contents wise, when we are looking at Centrelink, we never value content more than 10,000 for a couple. And\n\nChannel 1: Oh, true.\n\nChannel 0: that's because yeah. Yeah. So we always put 10,000 for a couple for content. Because, realistically, if you have a garage sale, you'd be selling everything for 50¢ a dollar, $2 to try and get money quickly.\n\nChannel 1: Yep.\n\nChannel 0: So Centrelink allow us to reduce your content valuation for them to about 10,000 for a couple. So that's where we\n\nChannel 1: Yep.\n\nChannel 0: go with that one.\n\nChannel 1: Yep.\n\nChannel 0: With the iZuzu,\n\nChannel 1: Yep.\n\nChannel 0: what is the lowest you would probably put on that, do you think?\n\nChannel 1: 30, my husband reckons.\n\nChannel 0: 30,000? Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: I mean, 30 done 40 k.\n\nChannel 0: Yes. That's okay. And then also with your c x five, what's the lowest you'd probably go with that?\n\nChannel 1: 10.\n\nChannel 0: 10,000? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: Alright. So for 10,000. Excellent. Cash, the 5,000, we do have to keep the same.\n\nChannel 1: Mhmm.\n\nChannel 0: And the caravan, I know you are building that one, and it is valued quite high. How what's the lowest valuation you would put on that for Centrelink, do you think? Because you'll probably have\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Oh,\n\nChannel 0: back\n\nChannel 1: no.\n\nChannel 0: then.\n\nChannel 1: Oh, that's hold on. 50. 50?\n\nChannel 0: 50? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Excellent. So just based on this and having a look at things, there's definitely eligibility there for Sandlink. I'll just go back and have a bit of a look at it for you.\n\nChannel 1: Mhmm.\n\nChannel 0: What we sort of do because you are a little bit out from those retirement years, I limited scope this in, and I sort of show you a table with where we're projecting your super to go with the strategies and what we're putting in place over the next few years. But\n\nChannel 1: Yep.\n\nChannel 0: then when we look at the ultimate drawdown, how we look at drawing down your super plus drawing down a bit of age pension and sort of seeing how much longevity we can get out of both of those things for you. Okay?\n\nChannel 1: Mhmm. Yep. Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: I just wanna tell you too, sweetheart.\n\nChannel 0: Absolutely.\n\nChannel 1: A couple of years ago when\n\nChannel 0: Yes.\n\nChannel 1: I got in touch with you with you guys, You've asked me a question about, oh, what do you wanna do, you know, when when you retire? And I said, well, I wanna buy a\n\nChannel 0: Yep.\n\nChannel 1: caravan. I wanna travel. Well,\n\nChannel 0: Yep.\n\nChannel 1: we bought a caravan now, but I wanna let you know that Ron had some super, and\n\nChannel 0: Okay.\n\nChannel 1: we tried to get him with you guys. You know what I mean? But apparently,\n\nChannel 0: Yeah.\n\nChannel 1: it wasn't enough enough. You\n\nChannel 0: Yes.\n\nChannel 1: know what I mean? So so I can a real big money.\n\nChannel 0: Yeah.\n\nChannel 1: So we bought the caravan out of that.\n\nChannel 0: Okay. Perfect. I mean, you put the\n\nChannel 1: So\n\nChannel 0: money to good use, so absolutely.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So I won't need a caravan anyway when I do retire.\n\nChannel 0: Well,\n\nChannel 1: You know\n\nChannel 0: Ron\n\nChannel 1: what\n\nChannel 0: can\n\nChannel 1: I mean?\n\nChannel 0: be very proud that his money's gone to good use for you.\n\nChannel 1: Yeah. Yes. I know, love.\n\nChannel 0: No. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: So\n\nChannel 0: Do you do you know roughly how much he'd have left in super at if anything?\n\nChannel 1: what? My super?\n\nChannel 0: No.\n\nChannel 1: Oh,\n\nChannel 0: Wrong.\n\nChannel 1: Ron?\n\nChannel 0: Yeah.\n\nChannel 1: No. Yeah. He's only got about $2,020,000 dollars left, love.\n\nChannel 0: Okay. No. That's absolutely\n\nChannel 1: Yeah. It wasn't\n\nChannel 0: fine.\n\nChannel 1: big it wasn't a big figure.\n\nChannel 0: Yep.\n\nChannel 1: It\n\nChannel 0: No.\n\nChannel 1: wasn't.\n\nChannel 0: That's absolutely fine. Not a problem at all. All good. Lovely. Well, I'll note that down there.\n\nWe'll have a bit of a look at things. I'll look at the TTR strategy, how that can work for you. Income wise, I have you noted as earning about 70,000 per annum. Is that fairly accurate for your income?\n\nChannel 1: Probably not now.\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: What\n\nChannel 1: don't\n\nChannel 0: do you\n\nChannel 1: know\n\nChannel 0: settle\n\nChannel 1: how much\n\nChannel 0: on\n\nChannel 1: I\n\nChannel 0: now?\n\nChannel 1: actually earn.\n\nChannel 0: That's okay.\n\nChannel 1: Might be more\n\nChannel 0: Can\n\nChannel 1: towards\n\nChannel 0: I\n\nChannel 1: 80.\n\nChannel 0: yep? That's alright.\n\nChannel 1: Maybe\n\nChannel 0: Can I\n\nChannel 1: 80 in\n\nChannel 0: send\n\nChannel 1: the morning.\n\nChannel 0: you an that's absolutely\n\nChannel 1: Yep.\n\nChannel 0: fine? If you want, I'll send you an email after the call. If you can shoot me through a payslip or two just\n\nChannel 1: Yep.\n\nChannel 0: so we can\n\nChannel 1: Yep.\n\nChannel 0: have a look at what your income looks like, and then we can put that to the research for you and see if we can make this TTR work. Does that sound okay?\n\nChannel 1: Okay. Not a problem.\n\nChannel 0: Beautiful. In your do you remember last financial year what your income estimate was on your tax return?\n\nChannel 1: Oh, jeez.\n\nChannel 0: If you can't, that's okay. Don't worry.\n\nChannel 1: Yeah. Yeah. I think it was near the eighty eighty mark. Yeah.\n\nChannel 0: With the 80 mark. Yeah. That's okay. Beautiful.\n\nChannel 1: You see, we've all had pay rises, the nurses.\n\nChannel 0: Yeah. That's absolutely fine. I'll send you an email after the call. If you can just shoot\n\nChannel 1: Yep.\n\nChannel 0: me through a pay slip or two, that would be fantastic. The most recent ones are the best ones to go with because it shows what you're earning currently.\n\nChannel 1: Yep.\n\nChannel 0: And then we can go through and have a really good look and do the research and add add it all together and work out how how we can make this work for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. And\n\nChannel 1: Mhmm.\n\nChannel 0: you're working part time as a nurse?\n\nChannel 1: Sorry?\n\nChannel 0: You're\n\nChannel 1: No.\n\nChannel 0: working\n\nChannel 1: Not\n\nChannel 0: part\n\nChannel 1: full\n\nChannel 0: time?\n\nChannel 1: time, love. Point nine.\n\nChannel 0: Point nine. Beautiful.\n\nChannel 1: Yes.\n\nChannel 0: That's technically part time, isn't it?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Beautiful. The point nine hours. Beautiful. Fantastic.\n\nChannel 1: But I'm I'm contracted for point eight, but I pick up an extra shift.\n\nChannel 0: Okay. Beautiful. And that'll be pretty consistent taking that extra shift up? You're, like, doing that all\n\nChannel 1: Yeah.\n\nChannel 0: the time?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Virtually.\n\nChannel 0: Beautiful. Fantastic.\n\nChannel 1: Until I get too tired. I'm just gonna cut back.\n\nChannel 0: Absolutely. That time will come. It's all good. At least you get the option to cut that. That's fantastic.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And just double checking beneficiaries here as well to make sure everything is in order. I've got down here that if in the event of passing that your super is to be paid out to Ronald, he's your spouse,\n\nChannel 1: Yep.\n\nChannel 0: and you're comfortable with that for a 100%?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. Let's just look at the other estate planning side of things while we are here as well. I've got down here that you both have a will and power of attorney in place, and you're comfortable with the way those are structured. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. Excellent. So I've got down here that we're looking at a goal of trying to stop working at about age 67. Do you know when you get to those retirement years, what kind of income you're going to need to live on on a weekly basis to cover expenditure or what you're gonna wanna draw down or live on each week?\n\nChannel 1: Well, like I said, we'll probably end up selling some of our assets\n\nChannel 0: Yep.\n\nChannel 1: that we yeah. But what I'm saying is that if we sell some of our assets, I'll probably need less than what I do need now to live\n\nChannel 0: Yep.\n\nChannel 1: off.\n\nChannel 0: Yep.\n\nChannel 1: So I'm saying maybe at a figure of well, comfortably, probably no. Yeah. I know. You're looking 500 a bit. Yeah.\n\n$2. Yeah. Well, we got we live off $2 now. A fortnight.\n\nChannel 0: So about 1,000\n\nChannel 1: Yep.\n\nChannel 0: dollars a week.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep. Yep. Beautiful. Not a problem at all. We'll look at that for you.\n\nSo averaging\n\nChannel 1: Yep.\n\nChannel 0: $52,000 a year income wise. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: We can look at that. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And I've just removed the caravan from your goal there, but you still wanna spend your time traveling as much as possible?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Fantastic. The other goal we had here was paying down your mortgage, but that's completely gone now, which is great. Is there any other goals that you have down the track that you're sort of looking at, or is it just working towards time now?\n\nChannel 1: Yes. Well, when I do retire, like I said, I probably want another car unless this car really is you know, it shits itself. You know what\n\nChannel 0: Yep.\n\nChannel 1: I mean? I can't drive it anymore or something like that, but I would\n\nChannel 0: Yep.\n\nChannel 1: like to get a car out of my super.\n\nChannel 0: Yep.\n\nChannel 1: And that'll\n\nChannel 0: Perfect.\n\nChannel 1: only be\n\nChannel 0: Do\n\nChannel 1: a\n\nChannel 0: you\n\nChannel 1: smaller\n\nChannel 0: know\n\nChannel 1: car too, probably, love. I wouldn't want a\n\nChannel 0: okay.\n\nChannel 1: Yaris.\n\nChannel 0: No. That's alright. Do you know roughly what you might be wanting to spend on that car? What's the comfortable amount you might like to spend?\n\nChannel 1: But for now, for these days, probably about\n\nChannel 0: Yeah.\n\nChannel 1: $40.\n\nChannel 0: About 40,000? Beautiful.\n\nChannel 1: Yep. 40\n\nChannel 0: For\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: 40\n\nChannel 0: car.\n\nChannel 1: 5, I suppose.\n\nChannel 0: Yep. Fantastic. I'll pop that in there for you. Beautiful. Because it's just another goal to work on as we are\n\nChannel 1: Yep.\n\nChannel 0: looking at retirement planning side of things for you. So\n\nChannel 1: Yep.\n\nChannel 0: excellent. Well, what I'll do now is I'll go back. I'll send you an email after the call just to get you to send me to a couple of payslips.\n\nChannel 1: Mhmm.\n\nChannel 0: My team will go back. We'll go do a bit of research around how this looks, what's gonna help you. I'll look at the investments you have in your super as well, keeping that balance growth\n\nChannel 1: Yep.\n\nChannel 0: kind of area there,\n\nChannel 1: Yep.\n\nChannel 0: and we'll just we'll come back in a couple of weeks. It takes about four to five weeks to kinda do the research properly and come up with the advice for you. And then we'll come back, and we'll have a really good look, And I'll go to the advice document with you, and then you get to decide whether you take the advice or not. Does that sound\n\nChannel 1: Yep.\n\nChannel 0: okay?\n\nChannel 1: Thank you.\n\nChannel 0: That's okay. That's not a problem at all. It's what we're here for.\n\nChannel 1: Thank you very much, Diana.\n\nChannel 0: That's not an issue at all. Is there any questions that you might have at the moment that might have come to mind or anything that I haven't touched on that you wanted to maybe discuss with me as well? Or\n\nChannel 1: No. I think that I'm pretty\n\nChannel 0: no?\n\nChannel 1: comfortable with life at the\n\nChannel 0: Beautiful.\n\nChannel 1: moment.\n\nChannel 0: Beautiful. Beautiful. Well, thank you so much, Sharon. I really appreciate your time this afternoon. I'm looking\n\nChannel 1: Thank\n\nChannel 0: forward to\n\nChannel 1: you\n\nChannel 0: putting\n\nChannel 1: for\n\nChannel 0: this\n\nChannel 1: yours.\n\nChannel 0: advice document together. Absolutely. Not a problem\n\nChannel 1: Alright.\n\nChannel 0: at all. I'm\n\nChannel 1: When I\n\nChannel 0: sorry.\n\nChannel 1: go upstairs, I'll turn my computer on.\n\nChannel 0: Beautiful. Thank you so much for that.\n\nChannel 1: You pay love.\n\nChannel 0: It'll come back from my email. So if you do happen to have any questions, you're welcome to reply to me or touch base with me directly at any point in time. And\n\nChannel 1: Thank\n\nChannel 0: just\n\nChannel 1: you.\n\nChannel 0: so you're aware, we haven't spoken before. But if you ever wanted to look me up, I'm a registered licensed financial adviser, and my license number is 1304394. I'll also attach the financial services guide to the email, which has all the information about being it for you as\n\nChannel 1: Thank you\n\nChannel 0: well.\n\nChannel 1: very much, Dana.\n\nChannel 0: Okay? My pleasure. You have a lovely afternoon. Thanks for your time. And if there's anything additional that comes up, we'll make sure we touch base.\n\nOkay?\n\nChannel 1: Thanks a lot, love.\n\nChannel 0: Thanks, Sharon.\n\nChannel 1: Bye.\n\nChannel 0: You enjoy your afternoon. See you later.\n\nChannel 1: You too.\n\nChannel 0: Bye.\n\nChannel 1: Bye now.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.0305727981030941}],"sentiment":"neutral","sentiment_score":0.0305727981030941,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hi, Sharon.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.13114579021930695},{"text":"This is Dana from Ophi Financial.","start":3.28,"end":4.74,"sentiment":"neutral","sentiment_score":0.16054931779702505},{"text":"How are you today?","start":5.04,"end":6.02,"sentiment":"neutral","sentiment_score":0.1849118433892727}],"sentiment":"neutral","sentiment_score":0.1637695717314879,"channel":0,"num_words":12,"start":2.56,"end":6.02},{"sentences":[{"text":"I'm good.","start":6.24,"end":6.8799996,"sentiment":"positive","sentiment_score":0.5245331227779388},{"text":"Thank you.","start":6.8799996,"end":7.62,"sentiment":"positive","sentiment_score":0.7031230926513672}],"sentiment":"positive","sentiment_score":0.613828107714653,"channel":1,"num_words":4,"start":6.24,"end":7.62},{"sentences":[{"text":"That's good.","start":8.0,"end":8.559999,"sentiment":"positive","sentiment_score":0.6491048634052277},{"text":"I have you booked in for a bit of a follow-up conversation in relation to your annual review a few months back.","start":8.559999,"end":13.04,"sentiment":"neutral","sentiment_score":0.24541574039242484},{"text":"Is now still a good time there for you?","start":13.04,"end":15.059999,"sentiment":"neutral","sentiment_score":0.2677222788333893}],"sentiment":"neutral","sentiment_score":0.2759653492407365,"channel":0,"num_words":33,"start":8.0,"end":15.059999},{"sentences":[{"text":"Yes.","start":15.295,"end":15.535,"sentiment":"neutral","sentiment_score":0.2354297935962677},{"text":"I guess, love.","start":15.535,"end":16.255001,"sentiment":"neutral","sentiment_score":0.2572795550028483},{"text":"It's not not a bad time at all.","start":16.255001,"end":18.195,"sentiment":"positive","sentiment_score":0.3990730680525303}],"sentiment":"positive","sentiment_score":0.3499877502520879,"channel":1,"num_words":12,"start":15.295,"end":18.195},{"sentences":[{"text":"Oh, fantastic.","start":18.145,"end":19.525,"sentiment":"positive","sentiment_score":0.5418519079685211},{"text":"And before we jump into the call there, Sarah, and just to let you know, we do record our calls for quality and training purposes.","start":19.825,"end":24.865,"sentiment":"neutral","sentiment_score":0.21500129520893096},{"text":"Are you happy for me to proceed with that?","start":24.865,"end":26.965,"sentiment":"neutral","sentiment_score":0.23597385320398542}],"sentiment":"neutral","sentiment_score":0.23840280208322737,"channel":0,"num_words":36,"start":18.145,"end":26.965},{"sentences":[{"text":"Yes, love.","start":27.215,"end":27.99,"sentiment":"neutral","sentiment_score":0.2868996784090996}],"sentiment":"neutral","sentiment_score":0.2868996784090996,"channel":1,"num_words":2,"start":27.215,"end":27.99},{"sentences":[{"text":"Fantastic.","start":28.53,"end":29.03,"sentiment":"positive","sentiment_score":0.49175605177879333},{"text":"And just to the security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":29.09,"end":34.95,"sentiment":"neutral","sentiment_score":0.21152622280297456}],"sentiment":"neutral","sentiment_score":0.22153443098068237,"channel":0,"num_words":28,"start":28.53,"end":34.95},{"sentences":[{"text":"Sharon Mary McDonald.","start":35.67,"end":37.05,"sentiment":"neutral","sentiment_score":0.056198557217915855}],"sentiment":"neutral","sentiment_score":0.056198557217915855,"channel":1,"num_words":3,"start":35.67,"end":37.05},{"sentences":[{"text":"Yep.","start":37.73,"end":38.23,"sentiment":"neutral","sentiment_score":0.08415346592664719}],"sentiment":"neutral","sentiment_score":0.08415346592664719,"channel":0,"num_words":1,"start":37.73,"end":38.23},{"sentences":[{"text":"Fourteen eleven sixty five.","start":38.79,"end":40.755,"sentiment":"neutral","sentiment_score":0.09113504737615585}],"sentiment":"neutral","sentiment_score":0.09113504737615585,"channel":1,"num_words":4,"start":38.79,"end":40.755},{"sentences":[{"text":"Beautiful.","start":41.325,"end":41.825,"sentiment":"positive","sentiment_score":0.4259742498397827},{"text":"Thank you so much for that.","start":41.965,"end":43.504997,"sentiment":"positive","sentiment_score":0.5379360715548197},{"text":"So, Sharon, when you did your annual review back in January with my colleague, Michelle, you may have mentioned you wanted to speak to an adviser about looking at some additional ways to","start":43.805,"end":53.405,"sentiment":"neutral","sentiment_score":0.09919247098944405}],"sentiment":"neutral","sentiment_score":0.17317355554550887,"channel":0,"num_words":40,"start":41.325,"end":53.405},{"sentences":[{"text":"Yeah.","start":53.33,"end":53.83,"sentiment":"neutral","sentiment_score":0.06833693385124207}],"sentiment":"neutral","sentiment_score":0.06833693385124207,"channel":1,"num_words":1,"start":53.33,"end":53.83},{"sentences":[{"text":"save paying additional tax.","start":53.405,"end":55.085,"sentiment":"neutral","sentiment_score":0.05343995522707701},{"text":"Does that sound familiar?","start":55.085,"end":56.225,"sentiment":"neutral","sentiment_score":0.0369306281208992}],"sentiment":"neutral","sentiment_score":0.045185291673988104,"channel":0,"num_words":8,"start":53.405,"end":56.225},{"sentences":[{"text":"Yep.","start":57.57,"end":58.07,"sentiment":"neutral","sentiment_score":0.05203332006931305}],"sentiment":"neutral","sentiment_score":0.05203332006931305,"channel":1,"num_words":1,"start":57.57,"end":58.07},{"sentences":[{"text":"Yep.","start":58.769997,"end":59.17,"sentiment":"neutral","sentiment_score":0.06602896004915237},{"text":"Yep.","start":59.17,"end":59.57,"sentiment":"neutral","sentiment_score":0.1169157475233078},{"text":"All good.","start":59.57,"end":60.39,"sentiment":"neutral","sentiment_score":0.22664004564285278},{"text":"Can I start by just sort of finding out a bit more about what it is you're after and what's sort of happening at the moment?","start":61.17,"end":66.79,"sentiment":"neutral","sentiment_score":0.03807948916577376}],"sentiment":"neutral","sentiment_score":0.05420971723894278,"channel":0,"num_words":30,"start":58.769997,"end":66.79},{"sentences":[{"text":"Well, I'm sorry, sacrificing.","start":69.305,"end":70.845,"sentiment":"neutral","sentiment_score":-0.07539047487080097}],"sentiment":"neutral","sentiment_score":-0.07539047487080097,"channel":1,"num_words":4,"start":69.305,"end":70.845},{"sentences":[{"text":"Right.","start":71.995,"end":72.475,"sentiment":"neutral","sentiment_score":-0.020202169194817543},{"text":"Yep.","start":72.475,"end":72.875,"sentiment":"neutral","sentiment_score":0.06445161998271942},{"text":"Beautiful.","start":72.875,"end":73.375,"sentiment":"neutral","sentiment_score":0.17461560666561127}],"sentiment":"neutral","sentiment_score":0.07295501915117104,"channel":0,"num_words":3,"start":71.995,"end":73.375},{"sentences":[{"text":"I am.","start":72.985,"end":73.865005,"sentiment":"neutral","sentiment_score":0.06606795638799667},{"text":"And I was wondering whether I'd be able to put extra on my signature salary sacrificing.","start":73.865005,"end":78.845,"sentiment":"neutral","sentiment_score":-0.014043545816093683}],"sentiment":"neutral","sentiment_score":-0.005142267793416977,"channel":1,"num_words":18,"start":72.985,"end":78.845},{"sentences":[{"text":"Yeah.","start":79.835,"end":80.155,"sentiment":"neutral","sentiment_score":0.04270689934492111},{"text":"Yes.","start":80.155,"end":80.555,"sentiment":"neutral","sentiment_score":0.06963956356048584},{"text":"So you absolutely can.","start":80.555,"end":81.835,"sentiment":"neutral","sentiment_score":0.08227822091430426},{"text":"So when you say salary sacrificing, your salary sacrificing into super at the moment, or are you salary packaging to elsewhere?","start":81.835,"end":88.229996,"sentiment":"neutral","sentiment_score":-0.00004046345185044959}],"sentiment":"neutral","sentiment_score":0.016318874595324613,"channel":0,"num_words":27,"start":79.835,"end":88.229996},{"sentences":[{"text":"For my mortgage, but my mortgage is paid off now, love.","start":89.560005,"end":92.94,"sentiment":"neutral","sentiment_score":-0.015915441411462696}],"sentiment":"neutral","sentiment_score":-0.015915441411462696,"channel":1,"num_words":11,"start":89.560005,"end":92.94},{"sentences":[{"text":"Okay.","start":93.329994,"end":93.81,"sentiment":"neutral","sentiment_score":0.12985974550247192},{"text":"Perfect.","start":93.81,"end":94.28999,"sentiment":"neutral","sentiment_score":0.24952208995819092},{"text":"Well, congratulations.","start":94.28999,"end":95.03,"sentiment":"neutral","sentiment_score":0.3078831881284714},{"text":"I 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They emphasize the importance of understanding risk profiles and retirement goals, including managing assets and reducing risk levels. The agents provide information on retirement plans and retirement goals, including maximum income and maximum retirement age. They also discuss the benefits of a TTR strategy and the importance of reducing risk levels in investment portfolios. The agents provide estimates of income and retirement plans, and advise customers to respond if they have any questions."},"intents":{"segments":[{"text":"I have you booked in for a bit of a follow-up conversation in relation to your annual review a few months back. Is now still a good time there for you? Yes. I guess, love.","start_word":19,"end_word":53,"intents":[{"intent":"Set up a conversation","confidence_score":0.000021295717},{"intent":"Book follow-up conversation","confidence_score":0.074119166}]},{"text":"It's not not a bad time at all. 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Would you like me to have a look and see if that might provide a greater benefit Yeah.","start_word":523,"end_word":550,"intents":[{"intent":"Explain super benefits","confidence_score":0.0046369224}]},{"text":"We can I work mean, I'm on that. I'm pretty I'm pretty healthy and active. Yeah.","start_word":748,"end_word":763,"intents":[{"intent":"Discuss health and well-being","confidence_score":0.007102722}]},{"text":"That that's my retirement age. So and if I stay till fifth 67, I Mhmm.","start_word":775,"end_word":789,"intents":[{"intent":"Discuss retirement age","confidence_score":0.10149112},{"intent":"Discuss retirement age","confidence_score":0.18909289},{"intent":"Discuss retirement age","confidence_score":0.31738174},{"intent":"Discuss retirement age","confidence_score":0.49463236},{"intent":"Confirm retirement age","confidence_score":0.01873448}]},{"text":"That that's my retirement age. So and if I stay till fifth 67, I Mhmm. would have been nursing for fifty years. 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So it is a really good solid positive Yes. return. Mhmm.","start_word":3040,"end_word":3108,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.31086233}]},{"text":"So that basically means the investment managers behind the scenes, they're choosing when to buy and sell investments, and they're trying Yep. to outperform. They're trying to get a better return than the market does, and they're actively managing that funded buying, selling investments on a regular basis to outperform against the rest of the market. Yep.","start_word":3209,"end_word":3265,"intents":[{"intent":"Evaluate investment options","confidence_score":0.14765958}]},{"text":"With the caravan, I know you haven't quite got that yet, but it's still an asset that you're about to acquire. What sort of Oh, value will that be worth when you do get it? yeah.","start_word":3539,"end_word":3574,"intents":[{"intent":"Obtain caravan value","confidence_score":0.0021791374}]},{"text":"And are there any loans going on the Caravan?","start_word":3587,"end_word":3595,"intents":[{"intent":"Inquire about loan options and purchase caravan","confidence_score":0.00018592482},{"intent":"Inquire about loan amount","confidence_score":0.023129916}]},{"text":"And are there any loans going on the Caravan? Nope.","start_word":3587,"end_word":3596,"intents":[{"intent":"Inquire about loan options and value","confidence_score":0.0004675678},{"intent":"Confirm loan type","confidence_score":0.000107571665}]},{"text":"And there's no loans you own that hot rod at. Right? Yes. Yes.","start_word":3863,"end_word":3875,"intents":[{"intent":"Confirm ownership","confidence_score":0.0045260373}]},{"text":"Is it still 5,000, or is the value increased or changed? Yep. 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Or Yes.","start_word":3957,"end_word":3969,"intents":[{"intent":"Inquire about content insurance","confidence_score":0.0028347024}]},{"text":"know what do you know what the value of your content is?","start_word":3976,"end_word":3987,"intents":[{"intent":"Inquire about value of content","confidence_score":0.08576756}]},{"text":"So they're essentially wanting to find out what is if you had to sell all of these things tomorrow, what is the Yeah.","start_word":4068,"end_word":4090,"intents":[{"intent":"Ask about selling price","confidence_score":0.011043225}]},{"text":"So Centrelink allow us to reduce your content valuation for them to about 10,000 for a couple. So that's where we Yep. go with that one. Yep.","start_word":4234,"end_word":4260,"intents":[{"intent":"Calculate content valuation","confidence_score":0.021624733}]},{"text":"In your do you remember last financial year what your income estimate was on your tax return? Oh, jeez.","start_word":4913,"end_word":4931,"intents":[{"intent":"Provide income estimate","confidence_score":0.09722914},{"intent":"Discuss retirement status","confidence_score":0.0036752764}]},{"text":"I'll send you an email after the call.","start_word":4971,"end_word":4978,"intents":[{"intent":"Send email","confidence_score":0.8116751}]},{"text":"me through a pay slip or two, that would be fantastic. The most recent ones are the best ones to go with because it shows what you're earning currently. Yep.","start_word":4985,"end_word":5014,"intents":[{"intent":"Provide pay slip","confidence_score":0.08092807}]},{"text":"Until I get too tired. I'm just gonna cut back. Absolutely.","start_word":5133,"end_word":5143,"intents":[{"intent":"Confirm flexibility to cut back","confidence_score":0.00013049316}]},{"text":"Let's just look at the other estate planning side of things while we are here as well. I've got down here that you both have a will and power of attorney in place, and you're comfortable with the way those are structured. Is that right?","start_word":5215,"end_word":5259,"intents":[{"intent":"Discuss estate planning","confidence_score":0.38686064}]},{"text":"So I've got down here that we're looking at a goal of trying to stop working at about age 67. Do you know when you get to those retirement years, what kind of income you're going to need to live on on a weekly basis to cover expenditure or what you're gonna wanna draw down or live on each week?","start_word":5264,"end_word":5323,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.050020684}]},{"text":"But what I'm saying is that if we sell some of our assets, I'll probably need less than what I do need now to live Yep. off.","start_word":5341,"end_word":5367,"intents":[{"intent":"Determine need for assets","confidence_score":0.00671744}]},{"text":"Well, when I do retire, like I said, I probably want another car unless this car really is you know, it shits itself. You know what Yep.","start_word":5512,"end_word":5538,"intents":[{"intent":"Describe car needs","confidence_score":0.00009355688}]},{"text":"Well, when I do retire, like I said, I probably want another car unless this car really is you know, it shits itself. You know what Yep. I mean? I can't drive it anymore or something like that, but I would Yep. like to get a car out of my super. Yep.","start_word":5512,"end_word":5563,"intents":[{"intent":"Decline car purchase","confidence_score":0.007034089}]},{"text":"Does that sound Yep.","start_word":5805,"end_word":5808,"intents":[{"intent":"Provide advice","confidence_score":0.012250203}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Sharon. This is Dana from Ophi Financial. How are you today?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.14878205955028534},{"text":"I'm good. Thank you. That's good.","start_word":13,"end_word":18,"sentiment":"positive","sentiment_score":0.6084480285644531},{"text":"I have you booked in for a bit of a follow-up conversation in relation to your annual review a few months back. Is now still a good time there for you? Yes. I guess, love.","start_word":19,"end_word":53,"sentiment":"neutral","sentiment_score":0.25062429904937744},{"text":"It's not not a bad time at all. Oh, fantastic.","start_word":54,"end_word":63,"sentiment":"positive","sentiment_score":0.437852680683136},{"text":"And before we jump into the call there, Sarah, and just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes, love.","start_word":64,"end_word":99,"sentiment":"neutral","sentiment_score":0.22654952108860016},{"text":"Fantastic.","start_word":100,"end_word":100,"sentiment":"positive","sentiment_score":0.49175605177879333},{"text":"And just to the security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Sharon Mary McDonald. Yep. Fourteen eleven sixty five.","start_word":101,"end_word":135,"sentiment":"neutral","sentiment_score":0.17197464406490326},{"text":"Beautiful. Thank you so much for that.","start_word":136,"end_word":142,"sentiment":"positive","sentiment_score":0.5089999437332153},{"text":"So, Sharon, when you did your annual review back in January with my colleague, Michelle, you may have mentioned you wanted to speak to an adviser about looking at some additional ways to Yeah. save paying additional tax. Does that sound familiar? Yep. Yep. Yep. All good. Can I start by just sort of finding out a bit more about what it is you're after and what's sort of happening at the moment? Well, I'm sorry, sacrificing. Right. Yep. Beautiful. I am. And I was wondering whether I'd be able to put extra on my signature salary sacrificing. Yeah. Yes. So you absolutely can. So when you say salary sacrificing, your salary sacrificing into super at the moment, or are you salary packaging to elsewhere? For my mortgage, but my mortgage is paid off now, love. Okay. Perfect. Well, congratulations. I love Yes. that.","start_word":143,"end_word":286,"sentiment":"neutral","sentiment_score":0.055414821952581406},{"text":"Thank you. Thank Fantastic. you.","start_word":287,"end_word":291,"sentiment":"positive","sentiment_score":0.3850989043712616},{"text":"Fantastic. Oh, don't worry. We bought a caravan. Nice. Nice. Yeah. Well, there there are definitely ways that we can do this. Having a look at things at the moment, now yours 60 at the moment, so you do qualify for some additional strategies. One of Yes. Yep. the additional strategies we can look at is what's Yep. called a transition retirement strategy. Essentially, this is where we look at opening up a a transitional pension account. We keep Yep.","start_word":292,"end_word":371,"sentiment":"neutral","sentiment_score":0.1084892313927412},{"text":"your super open. We move most of the money over into this secondary account here. We increase your contributions in the super up to the cap as much as we absolutely can.","start_word":372,"end_word":403,"sentiment":"positive","sentiment_score":0.4125891625881195},{"text":"And because Yep.","start_word":404,"end_word":406,"sentiment":"neutral","sentiment_score":0.3269704580307007},{"text":"you're over 60, we're able to draw a little bit of money out of super.","start_word":407,"end_word":421,"sentiment":"positive","sentiment_score":0.36297065019607544},{"text":"Yep.","start_word":422,"end_word":422,"sentiment":"neutral","sentiment_score":0.26983168721199036},{"text":"The money you draw out is completely tax free, and it Yep. helps to bring back your tax your net income to where it was prior to the salary sacrifice going in. So it's Yep. kind of a cool strategy where you end up with two super accounts. You're putting more money into super, but your take home pay stays the same. You get to save in the tax side of things because you are Yep. putting more money into super, and it can provide a bit of boost to your super fund as well because money inside Yep.","start_word":423,"end_word":521,"sentiment":"positive","sentiment_score":0.4154189527034759},{"text":"Yep. super is taxed Yep. differently to outside of super there. Would you like me to have a look and see if that might provide a greater benefit Yeah. Yeah. Yep. to you? Yeah. You sound So a little I'm bit unsure. I'm worried. I'm I'm more worried about the fact, love, that my super won't be enough for me to retire on. Okay. We can have Yeah. a look at that as well. That's absolutely Yeah. fine. So let's Mhmm. have a look at your goals and what you're after, and then I can go back and do the do the research, have a look at the advice, Mhmm. look at whether that TTR strategy will suit you, look at, you know, what we're tracking for and how this works. So Yep. just double checking now. I'm just removing because you said you are now debt free. You've completely paid your mortgage off, which is great. Yep. I've got down here last time we caught up, you were salary sacrificing about $230 per fortnight in the super. Is that right? Yep. Yep.","start_word":522,"end_word":704,"sentiment":"neutral","sentiment_score":0.007652370259165764},{"text":"Beautiful. Excellent.","start_word":705,"end_word":706,"sentiment":"positive","sentiment_score":0.48388123512268066},{"text":"Your goal for accessing super Yep. I actually don't have one here. When are you sort of hoping to be able to access super and fully retire? When's your goal age? 67 would be the max probably, love. 67.","start_word":707,"end_word":745,"sentiment":"neutral","sentiment_score":0.0998425380541728},{"text":"Beautiful. Yeah. We can I work mean, I'm on that. I'm pretty I'm pretty healthy and active. Yeah. You Fantastic.","start_word":746,"end_word":765,"sentiment":"positive","sentiment_score":0.4467354416847229},{"text":"know what I mean? So Yep. yeah. Yep. Absolutely. That that's my retirement age. So and if I stay till fifth 67, I Mhmm. would have been nursing for fifty years.","start_word":766,"end_word":796,"sentiment":"neutral","sentiment_score":0.1057041436433792},{"text":"Wow. That is incredible, honestly. So Wow.","start_word":797,"end_word":803,"sentiment":"positive","sentiment_score":0.5194112062454224},{"text":"that's And one because of my goals was to meet that. yeah. I Unless love my that. health does unless my health does otherwise. Yeah. You know what Absolutely. I mean? My health might yeah. I don't know what Yeah. No. That's will absolutely happen fine.","start_word":804,"end_word":849,"sentiment":"neutral","sentiment_score":0.04912898689508438},{"text":"Beautiful.","start_word":850,"end_word":850,"sentiment":"positive","sentiment_score":0.4440258145332336},{"text":"when We've I got a really good healthy get super balance older. looking at things at the moment So there. Yes. I will go back and obviously have a look at how your suit has invested as well if you like and look at, you know, what how it's been performing, look at whether Yep. there's any investments that we maybe need to look at removing Yep. out for you. Yeah. With the way you're invested, I'm just having a quick look in the super fund at the moment there now. I'm just double checking. Sharon, can I just confirm your middle name? No. Mary. Beautiful. No. It's okay. I'm just making sure I'm looking at the same one because believe it or not, your name is actually very common. Yep. Just wanna make sure I'm not giving you anything incorrect. That's alright. Let's have a look. You see, How's when it I retired, all love, me and my husband, I've got a lip of my super. going? Right. Okay. So he doesn't have anything in the way of super or much? Mhmm. No. Not much at all. He's been Okay. a sole trader for most most of the years. Now he's Okay. vaccinated. Right. Okay. I'm having a look here at your notes. It made mention that he wasn't working at all. He'd hurt himself Yeah. and wasn't able to work from January. Yeah. Yep.","start_word":851,"end_word":1086,"sentiment":"neutral","sentiment_score":-0.006888050169899065},{"text":"So sorry to hear that. That's awful.","start_word":1087,"end_word":1093,"sentiment":"negative","sentiment_score":-0.6105075478553772},{"text":"Oh, that's alright. That's okay. And can I ask how old was Ron? Sorry? How old your husband, Ronald, I believe? 64. 64 Fifty left. four. Oh, Mhmm. 64. Yep. Okay.","start_word":1094,"end_word":1124,"sentiment":"neutral","sentiment_score":-0.008539348840713501},{"text":"Perfect. Excellent.","start_word":1125,"end_word":1126,"sentiment":"positive","sentiment_score":0.5976148843765259},{"text":"So he'll Yep. be reaching a 67 prior to you, a bit earlier than you. Yeah. Yep. That's okay. Good to sort of take into account because age pension eligibility is when the oldest one of you reaches age 67. So because Yep. he's 64 now, he'll reach 67 prior to you, which means he'll be eligible to access the age pension prior. Yep. So But I can if even I keep look working, at that. he won't get a thing. Depends on what your income is. Yeah. They do No. allow your assessment of the income and the assets test, and it depends on Yeah. what your income is. So at the moment, Yeah. the threshold is, and I can tell you what the maximum is actually not too bad at all. And it Can definitely change because they index these twice a year around the March 20 and the September 20. Yes. I'm just double checking the threshold for single people. Sorry. I've been looking at the threshold for couples for the last few weeks. So at the moment, the maximum so you would be under a couple living together Yep. even though he would be the only one eligible to receive the age pension. So Yep. fortnightly income cutoff point would be 4,000 per annum combined before he would be not eligible for any age pension whatever whatsoever. Yep. So say 4,026 fortnight. It's actually not Wow. bad. It's about it's quite a huge sum of money. Yeah. Yeah. That is. Yeah. It's about a 100 Yeah. thousand dollars a year. So, realistically, Yeah. Even if I'm working even up sorry? Is that even if I'm working? Yeah. So it goes on your income. So what happens Yeah. is in order to apply for age pension, even though he'll be the only one eligible, he'll he'll apply, and they'll assess all of your joint assets together. So your your cards, your contents, all your savings accounts. If you're Yep. not 67, your accumulation super won't be assessable. But if you have anything in a pension phase, that will be assessable. Yep. His Yep.","start_word":1127,"end_word":1482,"sentiment":"neutral","sentiment_score":0.026612366277598932},{"text":"super is assessable as well. And, essentially, they can they assess both of you together as a a couple because if you pass away, he's still eligible to keep all of the assets, essentially, and all the money and things like that Yay.","start_word":1483,"end_word":1525,"sentiment":"positive","sentiment_score":0.3400898277759552},{"text":"and inherit Yep. everything. So they assess the Yep. both of you together. And if you're working, they assess your income, Yep. and then they give him the difference between what you're earning and what he's eligible for.","start_word":1526,"end_word":1563,"sentiment":"neutral","sentiment_score":0.16173933446407318},{"text":"So Very good.","start_word":1564,"end_word":1566,"sentiment":"positive","sentiment_score":0.5573444962501526},{"text":"yeah. Yeah. So Okay. there is there is still a bit out there for you. I spoke to someone a few hours ago who was like, I'm not gonna be able to get each pension. I was like, no. No. You are. Yeah. You currently, it looks like you might be able to. You're eligible. So This is there something going to happen with Super and the government? what I do heard you mean? one of the well, I heard one of the patients talking today, Yeah. and I was gonna be getting bits bits and pieces of it. But Yeah. they were saying that the government's gonna stuff everybody's government, superannuation up. Oh, I don't see any of that happening at the moment. So superannuation goes under a set legislation where super because it's part of your income, the first 12% of your income is put into super, but it's still considered income and it's still included in your assessable income for taxation. So, Yep. essentially, Yep. that is partly your money. And the idea the superannuation legislation is that super is to be held for the Yep. benefit of the member for retirement years. Yeah.","start_word":1567,"end_word":1763,"sentiment":"neutral","sentiment_score":-0.04476415738463402},{"text":"So there's nothing in the legislation that says the government can access that, take the money away, or do anything with it because that would go against the SIS Act and the super legislation.","start_word":1764,"end_word":1797,"sentiment":"negative","sentiment_score":-0.503239095211029},{"text":"I Uh-huh. have definitely heard people in the past mention they think the government's gonna take all of that super. They actually Yeah. can't do that, so I don't Uh-huh. I don't foresee Oh, that's that good. happening anytime soon. If they do take your super, then they should be willing to give you all the tax back too because that's the first 12% of your income, your hard earned time that goes into super fee retirement. Yep.","start_word":1798,"end_word":1875,"sentiment":"neutral","sentiment_score":-0.1079474240541458},{"text":"So It was that's just couple of guys talking to each other and they're just going, oh, you know, oh, we're screwed.","start_word":1876,"end_word":1897,"sentiment":"negative","sentiment_score":-0.3656255304813385},{"text":"You know what I mean?","start_word":1898,"end_word":1902,"sentiment":"neutral","sentiment_score":-0.3162838816642761},{"text":"The government's gonna keep all the money and you know, and I'm thinking, no. oh my god.","start_word":1903,"end_word":1919,"sentiment":"negative","sentiment_score":-0.4146487414836883},{"text":"Yeah.","start_word":1920,"end_word":1920,"sentiment":"neutral","sentiment_score":-0.24242548644542697},{"text":"No. No. No. Definitely not.","start_word":1921,"end_word":1925,"sentiment":"negative","sentiment_score":-0.42897912859916687},{"text":"Well, I'll make sure that doesn't happen. Mhmm. But no. Look.","start_word":1926,"end_word":1936,"sentiment":"neutral","sentiment_score":-0.2827075123786926},{"text":"It it definitely goes against the SIS Act because the SIS Act is at a superannuation fund.","start_word":1937,"end_word":1953,"sentiment":"negative","sentiment_score":-0.359581857919693},{"text":"The superannuation trustee is to hold that money in trust Yep. for you when you retire and make that condition of the lease, and that is all held under the CIS Act.","start_word":1954,"end_word":1985,"sentiment":"neutral","sentiment_score":-0.116511732339859},{"text":"So the government is going in there and taking money out of your super, goes against all of that.","start_word":1986,"end_word":2004,"sentiment":"negative","sentiment_score":-0.48450565338134766},{"text":"And, Yeah. I mean, it's part of as I said, it's part of your income, so they definitely can't do that. But we're as your advisers, we do look at the legislation, look at the changes that are coming in, and see, you know, what we can do to help and talk about the things that are coming. So, Yep. you Yeah. know, if you ever are concerned or hearing anything, do reach out. Let me know. I'm here to definitely Yep. help you. Okay?","start_word":2005,"end_word":2089,"sentiment":"neutral","sentiment_score":-0.0020790989510715008},{"text":"Thank you, love. That's okay.","start_word":2090,"end_word":2094,"sentiment":"positive","sentiment_score":0.479516476392746},{"text":"Now just having a look at things with your risk profile. I just wanna make sure when we are looking at your investments that you are invested in the correct risk profile there. So just sort of double checking, we're working on an age of, say, 67 for retirement at the moment. Mhmm. Is that Yep. realistically the the earliest you'd wanna stop working, or do you think maybe the earlier? Oh, look. I'd like to do it early, but it'd be nice to do the fifty years, Yep. Yep.","start_word":2095,"end_word":2184,"sentiment":"neutral","sentiment_score":-0.015614935900602075},{"text":"Beautiful.","start_word":2185,"end_word":2185,"sentiment":"positive","sentiment_score":0.5150784254074097},{"text":"and I'm active That's okay.","start_word":2186,"end_word":2190,"sentiment":"neutral","sentiment_score":0.297105997800827},{"text":"enough. Fantastic. We'll take it.","start_word":2191,"end_word":2195,"sentiment":"positive","sentiment_score":0.5262115597724915},{"text":"So I it mean, gives if you I get roughly. really if I if I get ill, you don't know what's gonna happen in two years' time or three years' time. I could get Yeah. ill. You know what Absolutely. I mean? So and then I wanna Yeah. retire. You know? Absolutely. It's really hard hard to know what, Yes. but as as I am now, I would just like to keep on working. Yeah. No. Absolutely. Not a problem at all. We're working on a sort of six to seven year time horizon. Yep. Easy. With the markets with the way investments are, when you're taking on more risk in the markets, you do also risk a downtime. And we know no matter what you were invested in, portfolios and investments will always see some sort of downturns that we need to sort of wade through. When we look Yes. at investing, we look at your time horizon, so how long you have between now to when you wanna access it, which helps us to guide how you should Yes. be invested. But we also consider, you know, what happens in the event of a downtime, how you might feel. So if we saw your super fall over the next sort of one, two, three, or even five years by, say, 10 or 20%, would you Yep. be feeling like you wanna put more money in and take advantage of that? Are you feeling concerned and maybe calling us and seeing what we can do? Or are Yeah. you just wanting to sell everything and move to something more more secure? How do you think you might feel? I'll probably call you and ask what we could do. Yeah. Yeah.","start_word":2196,"end_word":2486,"sentiment":"neutral","sentiment_score":-0.0553635268942597},{"text":"Beautiful. Love it. Excellent. It's actually a very good answer.","start_word":2487,"end_word":2496,"sentiment":"positive","sentiment_score":0.7407549619674683},{"text":"There we go. And I'll just tick the box there for you. How do you look at things? So you've only ever owned your main primary residence. Have you ever owned investments outside of super, or have you ever owned an investment property or anything like that? No. No. No. Nope. That's okay. And in the past, have you ever seen your super fall in value before? I know ever sorry. Yeah. But when I was with the other superannuation mob Yep. Okay. So when your I super mean, it had falls fallen, with it's this one, love, but it goes up pretty Yes. you know what I Yep. mean? It goes up too. Yep. Yeah. No. You Perfect. know what I And mean? that's So I what just we put wanna yeah. see. Up and Yeah. down, up and down, but, you know, it is growing. It is absolutely Yeah.","start_word":2497,"end_word":2647,"sentiment":"neutral","sentiment_score":0.009682097472250462},{"text":"beautiful.","start_word":2648,"end_word":2648,"sentiment":"positive","sentiment_score":0.3433055281639099},{"text":"So if it is when you do sort of see your super fall in value a little bit, how do you see you feel about that? Does it make you feel optimistic about the investment opportunities ahead? Are you a bit concerned? Are you a bit anxious? How does it generally make you feel when you do see a drop a little bit? Oh, just probably a little bit concerned with what the Yep. world's doing these days. Yep. Yep. You know what I Perfect. mean? So, I mean, yeah, you could say that I was concerned. I'd be a little bit concerned. Yep. No. That's absolutely fine. Not a problem at all. So with where you have scored there at the moment, you get scored as more of a moderate investor. And to give you a bit of an outlook with what your portfolio looks like at the moment inside Super, you're in that balanced growth environment. So that essentially sees about 70% of your super invested in growth assets, so things like Australian shares, international shares, listed property, and also commodities Yep. like gold and silver, precious metals, and then Yep. the other 30% in defensive investments, so things like cash, bonds, and fixed interest. Yep. A balanced growth investor is considered Yep. more conservative. You have a preference for mostly income coming out of it, so dividends and income payments Yep. that are made out of the investments. You still want some growth, but you have a very low tolerance for ups and downs in the market. Yeah. This sort of a portfolio, we're expecting and chasing returns of around about six to 8% on a yearly basis compounding that forward. And, normally, it suits someone who has about five years before they're wanting to access their super. Yep. And because we always can see investors taking some sort of a downturn, the risk of a negative return in this portfolio is expected kind of one in every six years. Yep. Do you still feel like you're comfortable being in that sort of a portfolio moving forward for a bit longer, or would you like to maybe start reducing that risk a bit? How do you feel? I I would feel comfortable doing what I'm so what I'm doing now. With Yeah. doing that? Yeah. Yep.","start_word":2649,"end_word":3037,"sentiment":"neutral","sentiment_score":0.009795110126847167},{"text":"Perfect. Excellent.","start_word":3038,"end_word":3039,"sentiment":"positive","sentiment_score":0.5647726058959961},{"text":"So I'm also having a bit of a look at your investments in your sleep, but just while we're having a bit of a chat and going through that one.","start_word":3040,"end_word":3069,"sentiment":"neutral","sentiment_score":0.2406403571367264},{"text":"All of them have been performing really, really nicely when I look at how it's performed over the past twelve months. You're up net of fees by 13.07%. So it is a really good solid positive Yes.","start_word":3070,"end_word":3106,"sentiment":"positive","sentiment_score":0.5196644067764282},{"text":"return. Mhmm. Because I am gonna go back and just have a bit of a look at doing that TTR strategy to see if that can provide some benefit for you, I can Yep. see one investment in here that is underperforming, that is underperforming against the rest of the market. So I Yep. would like to remove it. So you've got the Benelong Australian Equities as an a managed fund. And Yep. when that was put in your portfolio, originally, they had seen some really fantastic growth. But then along in the managed fund, they're actually an active fund manager. So that basically means the investment managers behind the scenes, they're choosing when to buy and sell investments, and they're trying Yep. to outperform. They're trying to get a better return than the market does, and they're actively managing that funded buying, selling investments on a regular basis to outperform against the rest of the market. Yep. Active fund managers often don't perform that well, and they can just outperform the market but don't always. Yep. When you have those kinds of active managers in your portfolio, you also can pay a little bit more in fees towards having those there. Yep. If you like, I could always look at removing that, putting something else in its space that might be a bit more low cost for you, might also give you a bit more diversification to help with risk mitigation. Does that sound okay? Yep. Yep. Yep. Yep.","start_word":3107,"end_word":3356,"sentiment":"neutral","sentiment_score":0.07636694918572903},{"text":"Beautiful.","start_word":3357,"end_word":3357,"sentiment":"positive","sentiment_score":0.46725142002105713},{"text":"I know I've said a lot, and we've gone through a bit so far. Do you have any questions at the moment? Please let me know if you do. No. I love it. No. Not really. No. That's okay. Yeah. Yeah. Yeah. Yep. No. I Beautiful. don't think I do. Nope. That's I okay. don't. That's I don't all have good. to buy I just a caravan at at when I retire now because we bought a caravan before I retire. you got one.","start_word":3358,"end_word":3441,"sentiment":"neutral","sentiment_score":-0.03707459568977356},{"text":"Fantastic.","start_word":3442,"end_word":3442,"sentiment":"positive","sentiment_score":0.3641436994075775},{"text":"Yeah.","start_word":3443,"end_word":3443,"sentiment":"neutral","sentiment_score":0.17151881754398346},{"text":"I love that.","start_word":3444,"end_word":3446,"sentiment":"positive","sentiment_score":0.3485131561756134},{"text":"Have you been adding it already or not No. yet? No. Not even Bill No. Love. We're waiting Oh, for it. you're building it. We Fantastic. are. Yeah. We wanna we wanna travel. You know what I mean? Oh, We're getting that's older. beautiful. We're not getting any younger. No.","start_word":3447,"end_word":3496,"sentiment":"neutral","sentiment_score":0.02554943598806858},{"text":"That is awesome. That is really So beautiful, I'll make it honestly.","start_word":3497,"end_word":3508,"sentiment":"positive","sentiment_score":0.4707345962524414},{"text":"out to Edge Rock.","start_word":3509,"end_word":3512,"sentiment":"neutral","sentiment_score":0.24693980813026428},{"text":"I love I wanna that. That's fantastic.","start_word":3513,"end_word":3519,"sentiment":"positive","sentiment_score":0.5541980266571045},{"text":"yeah. Yeah. I've been wanting I wanting to be Edge Rock, love.","start_word":3520,"end_word":3531,"sentiment":"neutral","sentiment_score":0.2634897530078888},{"text":"oh, that's fantastic. I love that.","start_word":3532,"end_word":3537,"sentiment":"positive","sentiment_score":0.639080822467804},{"text":"With the caravan, I know you haven't quite got that yet, but it's still an asset that you're about to acquire. What sort of Oh, value will that be worth when you do get it? yeah. Oh, but what we paid for it was 70. 70,000? Yep. Yep.","start_word":3538,"end_word":3585,"sentiment":"neutral","sentiment_score":0.03333583101630211},{"text":"Beautiful.","start_word":3586,"end_word":3586,"sentiment":"positive","sentiment_score":0.44750240445137024},{"text":"And are there any loans going on the Caravan? Nope. Nope. Per perfect. I also have here motor vehicle. Your current vehicle, I'm assuming, asset value is 38,000. Would you keep that the same, do you think? No. Probably 20 now, love. 20,000? Perfect. Yeah. And I don't wanna what kind get of another car is it? car. It's a Yep. Mazda That's okay. Civic five, but I don't Mazda. really wanna get another car until I am more closer to retiring. Yeah. No. That's You know fine. what I mean? So Because it and sits yeah. out in the sun, the, you know, the paintwork stuff stuff, everything. You know what I mean? Yeah. So Yeah. it's Perfect. my work card virtually. It Yep. is. That's My husband's absolutely my husband's fine. got a new, my Suzu.","start_word":3587,"end_word":3724,"sentiment":"neutral","sentiment_score":0.029295550659298897},{"text":"Oh, fantastic. I'll pop that down I'm ready.","start_word":3725,"end_word":3732,"sentiment":"positive","sentiment_score":0.40120136737823486},{"text":"here as well. So Isuzu. And what sort of value would you put on that? What value you're on? 40. 40? 40,000? Mhmm. Fantastic. Yeah. And any loans on the ITC? No. No. Oh, yeah. But we're No. paying it off in August, I think. Okay. Beautiful. I'll just leave it zero and note to be paid Yeah. off in August. Yep.","start_word":3733,"end_word":3794,"sentiment":"neutral","sentiment_score":0.028071090579032894},{"text":"Fantastic. Excellent.","start_word":3795,"end_word":3796,"sentiment":"positive","sentiment_score":0.3583827018737793},{"text":"Yep. We've And we've then I also also got had a sorry. a You're hot at? rod. Hot rod. Beautiful. Yeah. My husband's got a hot rod Lovely. that we will sell that we are planning on selling soon. Okay. What sort of asking price are you gonna have on it? Oh, 70 or 80? Yep. Beautiful. We'll put 80 on that one for you. And there's no loans you own that hot rod at. Right? Yes. Yes.","start_word":3797,"end_word":3874,"sentiment":"neutral","sentiment_score":0.08517950819805264},{"text":"Beautiful.","start_word":3875,"end_word":3875,"sentiment":"positive","sentiment_score":0.4289640486240387},{"text":"I also Yeah. had 80. down here that you had some cash, about 5,000 sitting in a cash account. Do you still happen to have that? Yep. Beautiful. Is it still 5,000, or is the value increased or changed? Yep. No. No. I love it. It's still Nope. That's okay.","start_word":3876,"end_word":3925,"sentiment":"neutral","sentiment_score":0.061466943472623825},{"text":"Beautiful.","start_word":3926,"end_word":3926,"sentiment":"positive","sentiment_score":0.5102100968360901},{"text":"And then I've the also got down here content that I do like to note as well, especially when we same. are looking at the retirement and Centrelink aspect. Yes. What sort of do you have content insurance on your property? Or Yes. yep. Love. Do We you do. know what do you know what the value of your content is? I think it's a 100,000, love.","start_word":3927,"end_word":3993,"sentiment":"neutral","sentiment_score":0.0920506715774536},{"text":"Beautiful.","start_word":3994,"end_word":3994,"sentiment":"positive","sentiment_score":0.4171491861343384},{"text":"Now the fun part comes, when I'm valuing assets and looking at Centrelink for, like, age pension and retirement planning and things like that, we actually We got have some selling to do. well, the fun thing Sorry. is we actually devalue all your assets for you. So whenever you are applying for the age pension, the one thing Centrelink will ask you on the application is what is the fire sale value? So they're essentially wanting to find out what is if you had to sell all of these things tomorrow, what is the Yeah. lowest amount you would take for it if you had a garage sale and got rid of everything to liquidate? What's the lowest amount you'd be willing to take for everything? Now your house is fully exempt for settling purposes. You're not gonna have the hot rod, so we'll note here that hot rod will be gone Yep. to be sold. So you won't have that anymore. We'll assume you've probably got some money sitting in the bank, Yep. say, 80,000 sitting in there. Contents wise, when we are looking at Centrelink, we never value content more than 10,000 for a couple. And Oh, true. that's because yeah. Yeah. So we always put 10,000 for a couple for content. Because, realistically, if you have a garage sale, you'd be selling everything for 50<unk> a dollar, $2 to try and get money quickly. Yep. So Centrelink allow us to reduce your content valuation for them to about 10,000 for a couple. So that's where we Yep. go with that one. Yep. With the iZuzu, Yep. what is the lowest you would probably put on that, do you think? 30, my husband reckons. 30,000? Yes. Yeah.","start_word":3995,"end_word":4284,"sentiment":"neutral","sentiment_score":-0.0009419617435798564},{"text":"Beautiful.","start_word":4285,"end_word":4285,"sentiment":"positive","sentiment_score":0.4753682315349579},{"text":"I mean, 30 done 40 k. Yes. That's okay. And then also with your c x five, what's the lowest you'd probably go with that? 10. 10,000?","start_word":4286,"end_word":4312,"sentiment":"neutral","sentiment_score":0.06997496634721756},{"text":"Beautiful.","start_word":4313,"end_word":4313,"sentiment":"positive","sentiment_score":0.35019227862358093},{"text":"Yep. Alright. So for 10,000.","start_word":4314,"end_word":4318,"sentiment":"neutral","sentiment_score":0.16212958097457886},{"text":"Excellent.","start_word":4319,"end_word":4319,"sentiment":"positive","sentiment_score":0.5494827032089233},{"text":"Cash, the 5,000, we do have to keep the same. Mhmm. And the caravan, I know you are building that one, and it is valued quite high. How what's the lowest valuation you would put on that for Centrelink, do you think? Because you'll probably have Yep. that Oh, back no. then. Oh, that's hold on. 50. 50? 50? Yep. Yep.","start_word":4320,"end_word":4380,"sentiment":"neutral","sentiment_score":0.03783285617828369},{"text":"Beautiful. Excellent.","start_word":4381,"end_word":4382,"sentiment":"positive","sentiment_score":0.47430792450904846},{"text":"So just based on this and having a look at things, there's definitely eligibility there for Sandlink. I'll just go back and have a bit of a look at it for you. Mhmm. What we sort of do because you are a little bit out from those retirement years, I limited scope this in, and I sort of show you a table with where we're projecting your super to go with the strategies and what we're putting in place over the next few years. But Yep. then when we look at the ultimate drawdown, how we look at drawing down your super plus drawing down a bit of age pension and sort of seeing how much longevity we can get out of both of those things for you. Okay? Mhmm. Yep. Yep. Yep.","start_word":4383,"end_word":4515,"sentiment":"neutral","sentiment_score":0.07245101034641266},{"text":"Beautiful.","start_word":4516,"end_word":4516,"sentiment":"positive","sentiment_score":0.4380472898483277},{"text":"I just wanna tell you too, sweetheart. Absolutely. A couple of years ago when Yes. I got in touch with you with you guys, You've asked me a question about, oh, what do you wanna do, you know, when when you retire? And I said, well, I wanna buy a Yep. caravan. I wanna travel. Well, Yep. we bought a caravan now, but I wanna let you know that Ron had some super, and Okay. we tried to get him with you guys. You know what I mean? But apparently, Yeah.","start_word":4517,"end_word":4607,"sentiment":"neutral","sentiment_score":0.07693143360889874},{"text":"it wasn't enough enough.","start_word":4608,"end_word":4611,"sentiment":"negative","sentiment_score":-0.3497941792011261},{"text":"You Yes. know what I mean? So so I can a real big money. Yeah. So we bought the caravan out of that.","start_word":4612,"end_word":4634,"sentiment":"neutral","sentiment_score":-0.03676367923617363},{"text":"Okay. Perfect. I mean, you put the So money to good use, so absolutely.","start_word":4635,"end_word":4648,"sentiment":"positive","sentiment_score":0.4603967070579529},{"text":"yeah. Yeah. Yep. Yeah. So I won't need a caravan anyway when I do retire. Well, You know Ron what can I mean?","start_word":4649,"end_word":4671,"sentiment":"neutral","sentiment_score":0.16529282927513125},{"text":"be very proud that his money's gone to good use for you.","start_word":4672,"end_word":4683,"sentiment":"positive","sentiment_score":0.4692671000957489},{"text":"Yeah. Yes. I know, love. No. That's Yeah. okay. So Do you do you know roughly how much he'd have left in super at if anything? what? My super? No. Oh, Wrong. Ron? Yeah. No. Yeah. He's only got about $2,020,000 dollars left, love. Okay. No. That's absolutely Yeah. It wasn't fine. big it wasn't a big figure. Yep. It No. wasn't. That's absolutely fine. Not a problem at all.","start_word":4684,"end_word":4753,"sentiment":"neutral","sentiment_score":0.01004675216972828},{"text":"All good. Lovely.","start_word":4754,"end_word":4756,"sentiment":"positive","sentiment_score":0.46396204829216},{"text":"Well, I'll note that down there. We'll have a bit of a look at things. I'll look at the TTR strategy, how that can work for you. Income wise, I have you noted as earning about 70,000 per annum. Is that fairly accurate for your income? Probably not now. No. I What don't do you know settle how much on I now? actually earn. That's okay. Might be more Can towards I 80. yep? That's alright. Maybe Can I 80 in send the morning. you an that's absolutely Yep. fine? If you want, I'll send you an email after the call. If you can shoot me through a payslip or two just Yep. so we can Yep. have a look at what your income looks like, and then we can put that to the research for you and see if we can make this TTR work. Does that sound okay? Okay. Not a problem.","start_word":4757,"end_word":4910,"sentiment":"neutral","sentiment_score":0.07332367449998856},{"text":"Beautiful.","start_word":4911,"end_word":4911,"sentiment":"positive","sentiment_score":0.6191562414169312},{"text":"In your do you remember last financial year what your income estimate was on your tax return? Oh, jeez. If you can't, that's okay. Don't worry. Yeah. Yeah. I think it was near the eighty eighty mark. Yeah. With the 80 mark. Yeah. That's okay.","start_word":4912,"end_word":4956,"sentiment":"neutral","sentiment_score":0.028738655149936676},{"text":"Beautiful.","start_word":4957,"end_word":4957,"sentiment":"positive","sentiment_score":0.6290847063064575},{"text":"You see, we've all had pay rises, the nurses. Yeah.","start_word":4958,"end_word":4967,"sentiment":"neutral","sentiment_score":0.19358879327774048},{"text":"That's absolutely fine. I'll send you an email after the call. If you can just shoot Yep. me through a pay slip or two, that would be fantastic. The most recent ones are the best ones to go with because it shows what you're earning currently.","start_word":4968,"end_word":5013,"sentiment":"positive","sentiment_score":0.40119507908821106},{"text":"Yep.","start_word":5014,"end_word":5014,"sentiment":"neutral","sentiment_score":0.3105490803718567},{"text":"And then we can go through and have a really good look and do the research and add add it all together and work out how how we can make this work for you.","start_word":5015,"end_word":5048,"sentiment":"positive","sentiment_score":0.37164658308029175},{"text":"Yep. Okay? Yep. Yep.","start_word":5049,"end_word":5052,"sentiment":"neutral","sentiment_score":0.09261056780815125},{"text":"Beautiful.","start_word":5053,"end_word":5053,"sentiment":"positive","sentiment_score":0.33490878343582153},{"text":"And Mhmm. you're working part time as a nurse? Sorry? You're No. working Not part full time? time, love. Point nine. Point nine. Beautiful. Yes. That's technically part time, isn't it? Yes. Yes. Beautiful. The point nine hours. Beautiful. Fantastic. But I'm I'm contracted for point eight, but I pick up an extra shift. Okay. Beautiful. And that'll be pretty consistent taking that extra shift up? You're, like, doing that all Yeah. the time? Yeah. Yep. Virtually.","start_word":5054,"end_word":5130,"sentiment":"neutral","sentiment_score":0.059255074709653854},{"text":"Beautiful.","start_word":5131,"end_word":5131,"sentiment":"positive","sentiment_score":0.3597787618637085},{"text":"Fantastic. Until I get too tired. I'm just gonna cut back. Absolutely. That time will come. It's all good. At least you get the option to cut that.","start_word":5132,"end_word":5159,"sentiment":"neutral","sentiment_score":0.09460752457380296},{"text":"That's fantastic.","start_word":5160,"end_word":5161,"sentiment":"positive","sentiment_score":0.5324040651321411},{"text":"Yes. Yeah. And just double checking beneficiaries here as well to make sure everything is in order. I've got down here that if in the event of passing that your super is to be paid out to Ronald, he's your spouse, Yep. and you're comfortable with that for a 100%? Yep. Yep.","start_word":5162,"end_word":5213,"sentiment":"neutral","sentiment_score":0.15814124047756195},{"text":"Fantastic.","start_word":5214,"end_word":5214,"sentiment":"positive","sentiment_score":0.42839568853378296},{"text":"Let's just look at the other estate planning side of things while we are here as well. I've got down here that you both have a will and power of attorney in place, and you're comfortable with the way those are structured. Is that right? Yep. Yep.","start_word":5215,"end_word":5261,"sentiment":"neutral","sentiment_score":0.23081636809288184},{"text":"Fantastic. Excellent.","start_word":5262,"end_word":5263,"sentiment":"positive","sentiment_score":0.688608705997467},{"text":"So I've got down here that we're looking at a goal of trying to stop working at about age 67. Do you know when you get to those retirement years, what kind of income you're going to need to live on on a weekly basis to cover expenditure or what you're gonna wanna draw down or live on each week? Well, like I said, we'll probably end up selling some of our assets Yep. that we yeah. But what I'm saying is that if we sell some of our assets, I'll probably need less than what I do need now to live Yep. off. Yep. So I'm saying maybe at a figure of well, comfortably, probably no. Yeah. I know. You're looking 500 a bit. Yeah. $2. Yeah. Well, we got we live off $2 now. A fortnight. So about 1,000 Yep. dollars a week. Yes. Yes. Yep. Yep.","start_word":5264,"end_word":5412,"sentiment":"neutral","sentiment_score":-0.021290842443704605},{"text":"Beautiful.","start_word":5413,"end_word":5413,"sentiment":"positive","sentiment_score":0.42852723598480225},{"text":"Not a problem at all. We'll look at that for you. So averaging Yep. $52,000 a year income wise.","start_word":5414,"end_word":5432,"sentiment":"neutral","sentiment_score":0.13772828876972198},{"text":"Fantastic.","start_word":5433,"end_word":5433,"sentiment":"positive","sentiment_score":0.3790575861930847},{"text":"Yep. We can look at that. Perfect. Yep. And I've just removed the caravan from your goal there, but you still wanna spend your time traveling as much as possible? Yep. Yep. Fantastic. The other goal we had here was paying down your mortgage, but that's completely gone now, which is great. Is there any other goals that you have down the track that you're sort of looking at, or is it just working towards time now? Yes. Well, when I do retire, like I said, I probably want another car unless this car really is you know, it shits itself. You know what Yep. I mean? I can't drive it anymore or something like that, but I would Yep. like to get a car out of my super. Yep. And that'll Perfect. only be Do a you smaller know car too, probably, love. I wouldn't want a okay. Yaris. No. That's alright. Do you know roughly what you might be wanting to spend on that car? What's the comfortable amount you might like to spend? But for now, for these days, probably about Yeah. $40. About 40,000?","start_word":5434,"end_word":5621,"sentiment":"neutral","sentiment_score":-0.007202697239142466},{"text":"Beautiful.","start_word":5622,"end_word":5622,"sentiment":"positive","sentiment_score":0.4448288381099701},{"text":"Yep. 40 For to the 40 car. 5, I suppose. Yep.","start_word":5623,"end_word":5633,"sentiment":"neutral","sentiment_score":0.11528008431196211},{"text":"Fantastic. I'll pop that in there for you. Beautiful.","start_word":5634,"end_word":5642,"sentiment":"positive","sentiment_score":0.5360174179077148},{"text":"Because it's just another goal to work on as we are Yep. looking at retirement planning side of things for you. So Yep.","start_word":5643,"end_word":5665,"sentiment":"neutral","sentiment_score":0.28503257036209106},{"text":"excellent.","start_word":5666,"end_word":5666,"sentiment":"positive","sentiment_score":0.5124635696411133},{"text":"Well, what I'll do now is I'll go back. I'll send you an email after the call just to get you to send me to a couple of payslips. Mhmm. My team will go back. We'll go do a bit of research around how this looks, what's gonna help you. I'll look at the investments you have in your super as well, keeping that balance growth Yep. kind of area there, Yep. and we'll just we'll come back in a couple of weeks. It takes about four to five weeks to kinda do the research properly and come up with the advice for you. And then we'll come back, and we'll have a really good look, And I'll go to the advice document with you, and then you get to decide whether you take the advice or not. Does that sound Yep. okay? Thank you. That's okay.","start_word":5667,"end_word":5813,"sentiment":"neutral","sentiment_score":0.11539649963378906},{"text":"That's not a problem at all. It's what we're here for. Thank you very much, Diana.","start_word":5814,"end_word":5829,"sentiment":"positive","sentiment_score":0.37101832032203674},{"text":"That's not an issue at all. Is there any questions that you might have at the moment that might have come to mind or anything that I haven't touched on that you wanted to maybe discuss with me as well? Or No. I think that I'm pretty no? comfortable with life at the Beautiful. moment. Beautiful. Beautiful.","start_word":5830,"end_word":5886,"sentiment":"neutral","sentiment_score":0.07576973736286163},{"text":"Well, thank you so much, Sharon. I really appreciate your time this afternoon.","start_word":5887,"end_word":5899,"sentiment":"positive","sentiment_score":0.3954467177391052},{"text":"I'm looking Thank forward to you putting for this yours. advice document together. Absolutely. Not a problem Alright. at all. I'm When I sorry. go upstairs, I'll turn my computer on.","start_word":5900,"end_word":5930,"sentiment":"neutral","sentiment_score":0.15686416625976562},{"text":"Beautiful. Thank you so much for that. You pay love.","start_word":5931,"end_word":5940,"sentiment":"positive","sentiment_score":0.5088129043579102},{"text":"It'll come back from my email. So if you do happen to have any questions, you're welcome to reply to me or touch base with me directly at any point in time.","start_word":5941,"end_word":5972,"sentiment":"neutral","sentiment_score":0.24337194859981537},{"text":"And Thank just you.","start_word":5973,"end_word":5976,"sentiment":"positive","sentiment_score":0.5191492438316345},{"text":"so you're aware, we haven't spoken before. But if you ever wanted to look me up, I'm a registered licensed financial adviser, and my license number is 1304394. I'll also attach the financial services guide to the email, which has all the information about being it for you as Thank you well.","start_word":5977,"end_word":6028,"sentiment":"neutral","sentiment_score":0.12702549993991852},{"text":"very much, Dana. Okay? My pleasure. You have a lovely afternoon. Thanks for your time. And if there's anything additional that comes up, we'll make sure we touch base.","start_word":6029,"end_word":6057,"sentiment":"positive","sentiment_score":0.5638595819473267},{"text":"Okay?","start_word":6058,"end_word":6058,"sentiment":"neutral","sentiment_score":0.23255792260169983},{"text":"Thanks a lot, love. Thanks, Sharon. Bye. You enjoy your afternoon. See you later. You too.","start_word":6059,"end_word":6074,"sentiment":"positive","sentiment_score":0.6607910990715027},{"text":"Bye. Bye now.","start_word":6075,"end_word":6077,"sentiment":"neutral","sentiment_score":0.2015009969472885}],"average":{"sentiment":"neutral","sentiment_score":0.06718838034171165}}}}