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Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. How's your day been so far? I've been busy. Well, I will try oh, that's that's good. Yeah. Well, I will try not to keep you for too long. But, essentially, I had you booked because you did your annual review with my colleague a little while ago and had a couple of questions through that you wanted to go through in a bit more detail. Is that right? Yeah. And I can here see here that one of the things was in regards to your beneficiaries and how your, like, your nominations and stuff like that. Yeah. What was it, I guess, in regards to how you wanna structure them? Or Okay. Yeah. I can definitely follow-up and make sure we get those sent out. And with the nominations, I did wanted to check with you because, at the moment, we have four. So you have, Alana, Douglas, Haley, and Lee. Now they've all been nominated as other dependent. So can I ask their relationship to you? Yeah. Yep. Yep. Hailey and Douglas. Oh, yeah. Okay. Yep. Now yeah. No. Yeah. Yeah. And I I am very sorry to hear about your loss as well. Yeah. That's right. That that's that's the attitude to have. Now with your with your beneficiaries, so I'm not sure if anyone has gone through it with you, but they are quite strict on who you can actually nominate directly through your superannuation. So because there are a lot of lot of legislation on a valid nomination because of the state act. So the only people that you can nominate you at the time of your passing. You need you need to have a very close personal relationship while living together, and you need to provide financial, domestic, or personal care support. So would any of your cousins or your best friend fall into that category of So the way that we would have to change it, so you can still very much give it to them. It would just have to structure it slightly different. So the way that we would have to do it is that on your forms, we would nominate 100% through a legal personal representative. Essentially, it is a fancy word saying that it reverts to your will. And then in your will, you can nominate whoever you want as long as they're live in person. You can, yeah, nominate whoever you want. And if anything ever changes, you will just have to update your will, and the beneficiary on your super would stay intact because it just says in reverse through the will. Does that make sense? Yeah. So it is a bit tricky. You can still very much give it to them. We would just have to change it to make sure it's valid because the way that they are now, if something were to happen to you tomorrow, the superannuation trustee would just seems the current nomination invalid. We don't want that. We wanna make sure that if something were to happen to you, they actually go to your best friend and your cousin. So I'll definitely get the team to resend them through you so we can get that sorted as soon as possible. Now do you have access to a printer, or is post the best for you? Yep? Okay. Because I'll get the team to email it to you then if you're happy to do so. They just have to be printed and wet signed because you are making a legal nomination. And I can get a pre filled if you would like just through the legal personal representative. And then, yeah, you would just have to get a a will sorted as well. Do you currently have a will in place? Yeah. Okay. Perfect. So, yeah, I would just obviously suggest either updating that yourself or obviously speak to your lawyer if you did it that way and just include how you want that nomination broken down. But I'll get that emailed for you to make sure we we do get that updated because it is very important. Perhaps I'm glad you brought it up very much. Sorry. Now the other thing I had here was that you were interested in maybe doing some salary sacrifice. Yeah. Now at the moment, I have here your income at about 87,000. Yep. Perfect. And your employer, they just pay you that standard 12% contribution going into Superannuation. Great. Perfect. Now do you have any amounts in mind that you would like to salary sacrifice? Do you kind of understand how it all works? Have you done it before? Yep. Yep. Yeah. And that's a very good question. And very much so it is still good to do any amount because how it works yeah. Because, basically, how it works is that, obviously, the more you put in, the more it's gonna compound, the more you're gonna save in tax, and the more you're still going to grow. But it also comes down to, well, how much can you actually forego of your take home pay? Because the biggest thing is that, obviously, by salary sacrificing, it comes pretax, which is what makes it so effective, but also is then locked into superannuation until you meet a condition of relief. So for example, you know, turning 60 and retiring or 65 and still working. So that is the biggest thing of obviously making sure that you have enough surplus each week to be able to forego it. So that is typically where where we would start of being like, okay. Well, can you forgo, you know, $20 a fortnight? Would that still, you know, make sure you have enough money left over and stuff like that? And then if you're, like, I can, you know, do the calculations for you. And then because how it works is contributions going into superannuation is taxed at 15%. So it is a lot cheaper, 15. And your income is 87, then your marginal tax rate is at 30% plus the medical levy. So even by doing, you know, $20 a fortnight, you will still save on it because you're not paying the full 30% tax. It's only 15 going into the, and it comes out before you have to pay tax, which reduces your taxable income. Does that make sense? Yeah. Yeah. And the the only thing that is kind of good to keep on be mindful of when it comes to inbound is that we don't ideally wanna go over the concessional contribution cap if the purpose is to over receive a boost super and through at the tax effective rate. Now currently, the concessional contribution cap for each financial year is 30,000. That does include your contributions from your employer. So at the moment, you get about $10,440 from your employer, so you do have plenty of space left if you do wanna put in more. Yep. It makes a difference. Exactly. Now have you ever used pay calculator before? No. So it's just a website, paycalculator.com.au. And I think it's really good, especially if you're trying to work out, well, how much can I salary sacrifice more so from how much is that going in impact my pay comp pay? Is that on the website, you can put your salary. It tells you your after tax income, and then you can actually put different salary sacrifice contribution amount. And you can change it weekly, annually, fortnightly, And you can kind of have a play around with the different amounts, and it will tell you how much you save in tax. It will then tell you what your pay will be, and then it will also tell you how much extra you put into super. So it is a really good kind of tool to kind of get started on it. But but what I can also do because we do also have here that we wanna review your superannuation portfolio a little bit. So part of part of the review, if you would like me to if you tell me, you know, I'm happy to put in $20 a week or $20 a fortnight, if you think that's okay savings point of view, I can always put this put the recommendation in a strategy paper for you and show you exactly what that would look like if you would like. Yep. Now do you think that $20 a fortnight or week, or what do you think would be a good starting point? And you can always change it because it's just through your employer. So you can increase or decrease it, but, obviously, you don't wanna put too much in if it's going to impact your savings or bills and expenses. Okay. Yep. Yep. Okay. Perfect. Now with your portfolio as well, I think Samantha went through, I guess, an overview of the portfolio. Yeah. Perfect. And there is one one investment in the portfolio that I would like to look at swapping out, and that is your Benelon Concentrate and Australian Equity Fund. Now that one is a a managed fund. And, you know, when that was recommended in the portfolio, it was doing really, really well. And the purpose of it is to provide you with that kind of active management where they try to kind of outperform the market. So they can cost a little bit more because they are trying to kind of actively buy and sell investments. They're trying to outperform the market. Sometimes it does, you know, very much pay off, but then other times, not always for the cost. Now that is the only active management portion you have in your portfolio. The rest are kind of your ETF. So they kinda just track and index a little bit cheaper and don't fluctuate as much. So your your Benelon investment, they have kind of underperformed a little bit lately. The biggest reason why they kind of have underperformed is that one of their investments that they had in the funds was the corporate travel group. Now they have you heard of them? No. Essentially, they their reporting and stuff like that weren't great. They were doing some some stuff that they probably shouldn't, the company itself. So they got they got suspended from trading for a while. So because they were suspended from trading, it then kind of the, you know, undervalued and made the share prices drop because there was no observable market price. So it wasn't Benelung themselves. It was one of their holdings. But because there was quite a exactly. So because of that still, though, it is something I do wanna look to change because they have they have dropped a bit. Your Benelung investment is the one that's kind of been underperformed in your portfolio, and the goal is obviously to making sure that we always have you in the best position at all times. So even though it was a great investment when you came on board and historically have done really well, right now, the way that we see it in investment committees, we don't really foresee it being one that we would like to keep around. We don't see it increasing as much, so, therefore, we wanna look at changing it. So if you are happy for me to do so, I will go and do a bit more research on your current investment, obviously, see how it's all going, make a couple of recommendations on options I think might be good. I'll present it to you, and then you can let me know what you would like to do. Yeah. Perfect. Now with your current portfolio as well, we do have you invested in a high growth portfolio. Do you kind of remember growth portfolio. Do you kind of remember what the high growth is? Are you quite comfortable with it? Yep. Yep. Okay. Perfect. Now you do obviously have plenty of time on your And so time frame wise, you are in a good position of being in a high growth with the focus of obviously trying to maximize that growth as much as possible, you know, as long as you are comfortable seeing a bit of fluctuation short term to tryna get a growth in long term. Yeah. Perfect. Yep. Correct. Perfect. Yes. Yep. Yeah. Yeah. Perfect. And I guess when it comes to the asset allocation of the investment, typically, we see 90% in your growth investments in a high growth portfolio. So that is where you have your Australian shares, your international shares, your equity, your property, and stuff like that as well. We're trying to maximize that growth. And then we do have about 10% in your defensive investment. So that is like your cash, your gold, your fixed interest. We're trying to limit a little bit. So I'll have a look at that for you. Now I do wanna also check with you that we've recently I'm not sure if you've read our newsletter recently, but we've also recently so the investment committee have recently joined with BlackRock, which you may have heard of. They are one of the the biggest investment managers, and we've kind of created a model portfolio per se. So it's a an SMA, it's called. So it's a self managed account along with BlackRock. So how that works is that at the moment, we have what's called more a model portfolio individual investment in there in your hub hub accounts. And if we wanna go and make a change now, for example, with Benelon, we would have the conversation with you. We will go and do the research. I'll present you the recommendation, and then you let me know if you're happy with the change. The way that the SMA works slightly different is that even though it's kind of investing in those passive index funds as well, the underlying is a bit more of the active SMA, if you actually go into Hub 24, you can then click and see the investment, but it is a little bit less of that transparency because you do invest just directly in the SMA. Then we can kind of chop and change the investment based on, you know, if we just see one not doing well. So it allows us to very quickly make those changes if needed. Is that something that you're open to, or do you prefer kind of more having the full oversight with your investment. Mhmm. Okay. Yes. Yes. No. Yes. Yeah. I'll have okay. Perfect. I'll have a look at both options. Sorry. I'll have a look at them seeing if if the estimate is viable or if just swapping some of your current investments are the better for you. Because what we also wanna factor in is that by swapping some investments, that one that have gone up, there will be some potential capital gains tax associated with this. So we wanna obviously minimize that as much as possible as well. So I'll factor in all of it for you. I'll put together the recommendation, and that we can always take it from from there. Yep. Perfect. Now it will take a couple of weeks to get all of this research together. Perfect. Thank you. I'd just rather be you know, it's in case you're not expecting it tomorrow. It is a bit of a process. Yeah. Yes. And we wanna make it very thorough. We wanna make sure, you know, we do really do that in-depth research for you, so you don't wanna rush it. So as soon as I have it all ready, I will give you a call. I will run through the recommendation, and then we can always take it from there. Was there any other questions or anything else that you wanted to discuss today otherwise? No. No. Mhmm. Yeah. There is it's a little bit tricky. There is one that's it's more financial hardship you can do through super, but, typically, you'd have to be on Centrelink for twenty six weeks in order to tryna get that. Or there is another one where it's a compassionate grant. So that's more so if you need a medical surgery or anything like that and you can't pay pay for it, there are ways where you can potentially access some of the students for that. Okay. Yeah. Yeah. Okay. Yeah. Yeah. Yes. Exactly. Yeah. Yeah. Yeah. If it is well, you know, you really struggle, just let us know. We'll we'll obviously see if there's anything we can do. Or, you know, hopefully, if it is that you have to, you know, take out a loan or anything like that, I can always get a lender to give you a call if it comes to it, if you wanna assess different options. Yeah. Okay. Okay. Yeah. Just, yeah, let us know how it's all going. Do you know if he had, any super insurances or anything like that that will be, paid out as well? Do you know? Do you know if your dad had any, you know, superannuation or insurance policies or anything like that. Okay. Okay. Yep. Okay. Yeah. I'll I'll I'll do some more research and see if any of the rules have changed with that financial hardship when it comes to renewal. But last time I checked, it wasn't really an option. Do you know how much you would want to take if it if it is that it comes to it? Okay. Yep. Yep. Yep. Okay. Yeah. Okay. Okay. Okay. Yeah. Okay. Okay. Yeah. And it's a it's a very valid question. And, you know, if anything does change and you're really struggling, you know, just let us know. Would you like me to hold off on the salary sacrifice for like, you're not included right now is obviously, cash flow is a little bit tight at the moment. No? That's fine. Okay. Yep. Okay. That's okay. Perfect. I'll show you the difference anyway in in the research papers so that you can see it. If there's anything else, though, that you do need, just let me just let me know. But, otherwise, I'll go and do the research for you just to obviously see. And, obviously, with the the research as well, because you have your HUB 24, and then you also have Mercer Super as well for the purpose of your insurances. So you have a little bit of life and total permanent disability insurance in Mercer Super for you. Mhmm. So I'll have a review of the amount as well to see if we wanna change anything around to obviously make sure we have the most amount of money in the option that's going to give you the most, but still obviously making sure that we have enough in Mercer super to obviously keep those insurances active. Now with the insurances as well, there was another thing I just saw as well is that your contributions are currently going into hub 24. Now, typically, when we have a retained fund for the purposes of insurances, we'd like contributions going into that fund to keep your insurances active. Because if it's been if it's been sixteen months and there's been no contributions into Mercer Super, they may can cancel the insurances. So we don't want that. We can also complete an opt in form that basically says that you would like to opt in through those insurances and keep them active regardless. I'll have a bit of a review of it because we wanna make sure we keep those insurances there for you. But if it is, are are you happy if I do recommend to change contributions up, you know, into MRSA to keep those insurances active? It yeah. Okay. Yeah. I'll have a look at that in a bit more in-depth when I do the research for you and then let you know where we should put it, just making sure we keep the insurances active. And we can always do regular rollovers anyway if it's appropriate into hub twenty four if that's what's going to obviously give you the most amount of the growth. Yep. But I'll get this sorted for you. Is there any other questions or anything else you might need from me today? No? No. Yeah. No problem. I will let you get back to your day. Hopefully, afternoon is not so busy. If there's if there's anything else that you need, don't hesitate to give us a call. But, otherwise, I'll give you a call in a couple of weeks and run through all of this. And I'll also get the team to email you those beneficiaries so we can get that sorted for you. No problem at all. But thank you so much for your time today, and I look forward to speaking with you in a couple of weeks. Thanks. Bye. 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afternoon. This is Veronica from Oktoof Financial. How are you? Yeah. I'm good.\n\nThanks. I had you booked in for a bit of a catch up. Is now still a good time for you? Yeah. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yeah. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep.\n\nPerfect. That's exactly what I have here. How's your day been so far? I've been busy. Well, I will try oh, that's that's good.\n\nYeah. Well, I will try not to keep you for too long. But, essentially, I had you booked because you did your annual review with my colleague a little while ago and had a couple of questions through that you wanted to go through in a bit more detail. Is that right? Yeah.\n\nAnd I can here see here that one of the things was in regards to your beneficiaries and how your, like, your nominations and stuff like that. Yeah. What was it, I guess, in regards to how you wanna structure them? Or Okay. Yeah.\n\nI can definitely follow-up and make sure we get those sent out. And with the nominations, I did wanted to check with you because, at the moment, we have four. So you have, Alana, Douglas, Haley, and Lee. Now they've all been nominated as other dependent. So can I ask their relationship to you?\n\nYeah. Yep. Yep. Hailey and Douglas. Oh, yeah.\n\nOkay. Yep. Now yeah. No. Yeah.\n\nYeah. And I I am very sorry to hear about your loss as well. Yeah. That's right. That that's that's the attitude to have.\n\nNow with your with your beneficiaries, so I'm not sure if anyone has gone through it with you, but they are quite strict on who you can actually nominate directly through your superannuation. So because there are a lot of lot of legislation on a valid nomination because of the state act. So the only people that you can nominate you at the time of your passing. You need you need to have a very close personal relationship while living together, and you need to provide financial, domestic, or personal care support. So would any of your cousins or your best friend fall into that category of So the way that we would have to change it, so you can still very much give it to them.\n\nIt would just have to structure it slightly different. So the way that we would have to do it is that on your forms, we would nominate 100% through a legal personal representative. Essentially, it is a fancy word saying that it reverts to your will. And then in your will, you can nominate whoever you want as long as they're live in person. You can, yeah, nominate whoever you want.\n\nAnd if anything ever changes, you will just have to update your will, and the beneficiary on your super would stay intact because it just says in reverse through the will. Does that make sense? Yeah. So it is a bit tricky. You can still very much give it to them.\n\nWe would just have to change it to make sure it's valid because the way that they are now, if something were to happen to you tomorrow, the superannuation trustee would just seems the current nomination invalid. We don't want that. We wanna make sure that if something were to happen to you, they actually go to your best friend and your cousin. So I'll definitely get the team to resend them through you so we can get that sorted as soon as possible. Now do you have access to a printer, or is post the best for you?\n\nYep? Okay. Because I'll get the team to email it to you then if you're happy to do so. They just have to be printed and wet signed because you are making a legal nomination. And I can get a pre filled if you would like just through the legal personal representative.\n\nAnd then, yeah, you would just have to get a a will sorted as well. Do you currently have a will in place? Yeah. Okay. Perfect.\n\nSo, yeah, I would just obviously suggest either updating that yourself or obviously speak to your lawyer if you did it that way and just include how you want that nomination broken down. But I'll get that emailed for you to make sure we we do get that updated because it is very important. Perhaps I'm glad you brought it up very much. Sorry. Now the other thing I had here was that you were interested in maybe doing some salary sacrifice.\n\nYeah. Now at the moment, I have here your income at about 87,000. Yep. Perfect. And your employer, they just pay you that standard 12% contribution going into Superannuation.\n\nGreat. Perfect. Now do you have any amounts in mind that you would like to salary sacrifice? Do you kind of understand how it all works? Have you done it before?\n\nYep. Yep. Yeah. And that's a very good question. And very much so it is still good to do any amount because how it works yeah.\n\nBecause, basically, how it works is that, obviously, the more you put in, the more it's gonna compound, the more you're gonna save in tax, and the more you're still going to grow. But it also comes down to, well, how much can you actually forego of your take home pay? Because the biggest thing is that, obviously, by salary sacrificing, it comes pretax, which is what makes it so effective, but also is then locked into superannuation until you meet a condition of relief. So for example, you know, turning 60 and retiring or 65 and still working. So that is the biggest thing of obviously making sure that you have enough surplus each week to be able to forego it.\n\nSo that is typically where where we would start of being like, okay. Well, can you forgo, you know, $20 a fortnight? Would that still, you know, make sure you have enough money left over and stuff like that? And then if you're, like, I can, you know, do the calculations for you. And then because how it works is contributions going into superannuation is taxed at 15%.\n\nSo it is a lot cheaper, 15. And your income is 87, then your marginal tax rate is at 30% plus the medical levy. So even by doing, you know, $20 a fortnight, you will still save on it because you're not paying the full 30% tax. It's only 15 going into the, and it comes out before you have to pay tax, which reduces your taxable income. Does that make sense?\n\nYeah. Yeah. And the the only thing that is kind of good to keep on be mindful of when it comes to inbound is that we don't ideally wanna go over the concessional contribution cap if the purpose is to over receive a boost super and through at the tax effective rate. Now currently, the concessional contribution cap for each financial year is 30,000. That does include your contributions from your employer.\n\nSo at the moment, you get about $10,440 from your employer, so you do have plenty of space left if you do wanna put in more. Yep. It makes a difference. Exactly. Now have you ever used pay calculator before?\n\nNo. So it's just a website, paycalculator.com.au. And I think it's really good, especially if you're trying to work out, well, how much can I salary sacrifice more so from how much is that going in impact my pay comp pay? Is that on the website, you can put your salary. It tells you your after tax income, and then you can actually put different salary sacrifice contribution amount.\n\nAnd you can change it weekly, annually, fortnightly, And you can kind of have a play around with the different amounts, and it will tell you how much you save in tax. It will then tell you what your pay will be, and then it will also tell you how much extra you put into super. So it is a really good kind of tool to kind of get started on it. But but what I can also do because we do also have here that we wanna review your superannuation portfolio a little bit. So part of part of the review, if you would like me to if you tell me, you know, I'm happy to put in $20 a week or $20 a fortnight, if you think that's okay savings point of view, I can always put this put the recommendation in a strategy paper for you and show you exactly what that would look like if you would like.\n\nYep. Now do you think that $20 a fortnight or week, or what do you think would be a good starting point? And you can always change it because it's just through your employer. So you can increase or decrease it, but, obviously, you don't wanna put too much in if it's going to impact your savings or bills and expenses. Okay.\n\nYep. Yep. Okay. Perfect. Now with your portfolio as well, I think Samantha went through, I guess, an overview of the portfolio.\n\nYeah. Perfect. And there is one one investment in the portfolio that I would like to look at swapping out, and that is your Benelon Concentrate and Australian Equity Fund. Now that one is a a managed fund. And, you know, when that was recommended in the portfolio, it was doing really, really well.\n\nAnd the purpose of it is to provide you with that kind of active management where they try to kind of outperform the market. So they can cost a little bit more because they are trying to kind of actively buy and sell investments. They're trying to outperform the market. Sometimes it does, you know, very much pay off, but then other times, not always for the cost. Now that is the only active management portion you have in your portfolio.\n\nThe rest are kind of your ETF. So they kinda just track and index a little bit cheaper and don't fluctuate as much. So your your Benelon investment, they have kind of underperformed a little bit lately. The biggest reason why they kind of have underperformed is that one of their investments that they had in the funds was the corporate travel group. Now they have you heard of them?\n\nNo. Essentially, they their reporting and stuff like that weren't great. They were doing some some stuff that they probably shouldn't, the company itself. So they got they got suspended from trading for a while. So because they were suspended from trading, it then kind of the, you know, undervalued and made the share prices drop because there was no observable market price.\n\nSo it wasn't Benelung themselves. It was one of their holdings. But because there was quite a exactly. So because of that still, though, it is something I do wanna look to change because they have they have dropped a bit. Your Benelung investment is the one that's kind of been underperformed in your portfolio, and the goal is obviously to making sure that we always have you in the best position at all times.\n\nSo even though it was a great investment when you came on board and historically have done really well, right now, the way that we see it in investment committees, we don't really foresee it being one that we would like to keep around. We don't see it increasing as much, so, therefore, we wanna look at changing it. So if you are happy for me to do so, I will go and do a bit more research on your current investment, obviously, see how it's all going, make a couple of recommendations on options I think might be good. I'll present it to you, and then you can let me know what you would like to do. Yeah.\n\nPerfect. Now with your current portfolio as well, we do have you invested in a high growth portfolio. Do you kind of remember growth portfolio. Do you kind of remember what the high growth is? Are you quite comfortable with it?\n\nYep. Yep. Okay. Perfect. Now you do obviously have plenty of time on your And so time frame wise, you are in a good position of being in a high growth with the focus of obviously trying to maximize that growth as much as possible, you know, as long as you are comfortable seeing a bit of fluctuation short term to tryna get a growth in long term.\n\nYeah. Perfect. Yep. Correct. Perfect.\n\nYes. Yep. Yeah. Yeah. Perfect.\n\nAnd I guess when it comes to the asset allocation of the investment, typically, we see 90% in your growth investments in a high growth portfolio. So that is where you have your Australian shares, your international shares, your equity, your property, and stuff like that as well. We're trying to maximize that growth. And then we do have about 10% in your defensive investment. So that is like your cash, your gold, your fixed interest.\n\nWe're trying to limit a little bit. So I'll have a look at that for you. Now I do wanna also check with you that we've recently I'm not sure if you've read our newsletter recently, but we've also recently so the investment committee have recently joined with BlackRock, which you may have heard of. They are one of the the biggest investment managers, and we've kind of created a model portfolio per se. So it's a an SMA, it's called.\n\nSo it's a self managed account along with BlackRock. So how that works is that at the moment, we have what's called more a model portfolio individual investment in there in your hub hub accounts. And if we wanna go and make a change now, for example, with Benelon, we would have the conversation with you. We will go and do the research. I'll present you the recommendation, and then you let me know if you're happy with the change.\n\nThe way that the SMA works slightly different is that even though it's kind of investing in those passive index funds as well, the underlying is a bit more of the active SMA, if you actually go into Hub 24, you can then click and see the investment, but it is a little bit less of that transparency because you do invest just directly in the SMA. Then we can kind of chop and change the investment based on, you know, if we just see one not doing well. So it allows us to very quickly make those changes if needed. Is that something that you're open to, or do you prefer kind of more having the full oversight with your investment. Mhmm.\n\nOkay. Yes. Yes. No. Yes.\n\nYeah. I'll have okay. Perfect. I'll have a look at both options. Sorry.\n\nI'll have a look at them seeing if if the estimate is viable or if just swapping some of your current investments are the better for you. Because what we also wanna factor in is that by swapping some investments, that one that have gone up, there will be some potential capital gains tax associated with this. So we wanna obviously minimize that as much as possible as well. So I'll factor in all of it for you. I'll put together the recommendation, and that we can always take it from from there.\n\nYep. Perfect. Now it will take a couple of weeks to get all of this research together. Perfect. Thank you.\n\nI'd just rather be you know, it's in case you're not expecting it tomorrow. It is a bit of a process. Yeah. Yes. And we wanna make it very thorough.\n\nWe wanna make sure, you know, we do really do that in-depth research for you, so you don't wanna rush it. So as soon as I have it all ready, I will give you a call. I will run through the recommendation, and then we can always take it from there. Was there any other questions or anything else that you wanted to discuss today otherwise? No.\n\nNo. Mhmm. Yeah. There is it's a little bit tricky. There is one that's it's more financial hardship you can do through super, but, typically, you'd have to be on Centrelink for twenty six weeks in order to tryna get that.\n\nOr there is another one where it's a compassionate grant. So that's more so if you need a medical surgery or anything like that and you can't pay pay for it, there are ways where you can potentially access some of the students for that. Okay. Yeah. Yeah.\n\nOkay. Yeah. Yeah. Yes. Exactly.\n\nYeah. Yeah. Yeah. If it is well, you know, you really struggle, just let us know. We'll we'll obviously see if there's anything we can do.\n\nOr, you know, hopefully, if it is that you have to, you know, take out a loan or anything like that, I can always get a lender to give you a call if it comes to it, if you wanna assess different options. Yeah. Okay. Okay. Yeah.\n\nJust, yeah, let us know how it's all going. Do you know if he had, any super insurances or anything like that that will be, paid out as well? Do you know? Do you know if your dad had any, you know, superannuation or insurance policies or anything like that. Okay.\n\nOkay. Yep. Okay. Yeah. I'll I'll I'll do some more research and see if any of the rules have changed with that financial hardship when it comes to renewal.\n\nBut last time I checked, it wasn't really an option. Do you know how much you would want to take if it if it is that it comes to it? Okay. Yep. Yep.\n\nYep. Okay. Yeah. Okay. Okay.\n\nOkay. Yeah. Okay. Okay. Yeah.\n\nAnd it's a it's a very valid question. And, you know, if anything does change and you're really struggling, you know, just let us know. Would you like me to hold off on the salary sacrifice for like, you're not included right now is obviously, cash flow is a little bit tight at the moment. No? That's fine.\n\nOkay. Yep. Okay. That's okay. Perfect.\n\nI'll show you the difference anyway in in the research papers so that you can see it. If there's anything else, though, that you do need, just let me just let me know. But, otherwise, I'll go and do the research for you just to obviously see. And, obviously, with the the research as well, because you have your HUB 24, and then you also have Mercer Super as well for the purpose of your insurances. So you have a little bit of life and total permanent disability insurance in Mercer Super for you.\n\nMhmm. So I'll have a review of the amount as well to see if we wanna change anything around to obviously make sure we have the most amount of money in the option that's going to give you the most, but still obviously making sure that we have enough in Mercer super to obviously keep those insurances active. Now with the insurances as well, there was another thing I just saw as well is that your contributions are currently going into hub 24. Now, typically, when we have a retained fund for the purposes of insurances, we'd like contributions going into that fund to keep your insurances active. Because if it's been if it's been sixteen months and there's been no contributions into Mercer Super, they may can cancel the insurances.\n\nSo we don't want that. We can also complete an opt in form that basically says that you would like to opt in through those insurances and keep them active regardless. I'll have a bit of a review of it because we wanna make sure we keep those insurances there for you. But if it is, are are you happy if I do recommend to change contributions up, you know, into MRSA to keep those insurances active? It yeah.\n\nOkay. Yeah. I'll have a look at that in a bit more in-depth when I do the research for you and then let you know where we should put it, just making sure we keep the insurances active. And we can always do regular rollovers anyway if it's appropriate into hub twenty four if that's what's going to obviously give you the most amount of the growth. Yep.\n\nBut I'll get this sorted for you. Is there any other questions or anything else you might need from me today? No? No. Yeah.\n\nNo problem. I will let you get back to your day. Hopefully, afternoon is not so busy. If there's if there's anything else that you need, don't hesitate to give us a call. But, otherwise, I'll give you a call in a couple of weeks and run through all of this.\n\nAnd I'll also get the team to email you those beneficiaries so we can get that sorted for you. No problem at all. But thank you so much for your time today, and I look forward to speaking with you in a couple of weeks. Thanks. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.36,"end":4.16,"sentiment":"neutral","sentiment_score":0.2930166572332382},{"text":"This is Veronica from Oktoof Financial.","start":4.16,"end":6.16,"sentiment":"neutral","sentiment_score":0.24011768649021784},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.16419470310211182},{"text":"Yeah.","start":9.2,"end":9.44,"sentiment":"neutral","sentiment_score":0.30976590514183044},{"text":"I'm good.","start":9.44,"end":10.0,"sentiment":"positive","sentiment_score":0.5490693747997284}],"sentiment":"neutral","sentiment_score":0.2805162998182433,"num_words":14,"start":3.36,"end":10.0},{"sentences":[{"text":"Thanks.","start":10.0,"end":10.5,"sentiment":"positive","sentiment_score":0.6914596557617188},{"text":"I had you booked in for a bit of a catch up.","start":11.28,"end":14.16,"sentiment":"neutral","sentiment_score":0.29518763969341916},{"text":"Is now still a good time for you?","start":14.16,"end":16.835,"sentiment":"positive","sentiment_score":0.3351035974919796},{"text":"Yeah.","start":16.835,"end":17.335,"sentiment":"neutral","sentiment_score":0.2774442136287689},{"text":"Perfect.","start":17.795,"end":18.295,"sentiment":"positive","sentiment_score":0.3479423224925995}],"sentiment":"neutral","sentiment_score":0.3278228977452154,"num_words":23,"start":10.0,"end":18.295},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":18.835,"end":26.535,"sentiment":"neutral","sentiment_score":0.05803529058973635},{"text":"Yeah.","start":28.675,"end":29.154999,"sentiment":"neutral","sentiment_score":0.12781041860580444},{"text":"Perfect.","start":29.154999,"end":29.654999,"sentiment":"neutral","sentiment_score":0.24859647452831268},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":29.715,"end":36.79,"sentiment":"neutral","sentiment_score":0.08059046790003777},{"text":"Yep.","start":43.65,"end":43.89,"sentiment":"neutral","sentiment_score":0.1272047460079193}],"sentiment":"neutral","sentiment_score":0.07330096354708075,"num_words":60,"start":18.835,"end":43.89},{"sentences":[{"text":"Perfect.","start":43.89,"end":44.29,"sentiment":"positive","sentiment_score":0.3701383173465729},{"text":"That's exactly what I have here.","start":44.29,"end":45.765003,"sentiment":"positive","sentiment_score":0.39722927411397296},{"text":"How's your day been so far?","start":45.765003,"end":47.045002,"sentiment":"neutral","sentiment_score":0.09792050967613856},{"text":"I've been busy.","start":47.045002,"end":47.865,"sentiment":"neutral","sentiment_score":-0.09136307736237843},{"text":"Well, I will try oh, that's that's good.","start":48.725002,"end":56.505,"sentiment":"neutral","sentiment_score":0.17982311476953328}],"sentiment":"neutral","sentiment_score":0.18773052942318222,"num_words":24,"start":43.89,"end":56.505},{"sentences":[{"text":"Yeah.","start":56.645,"end":56.965,"sentiment":"neutral","sentiment_score":0.0497218556702137},{"text":"Well, I will try not to keep you for too long.","start":56.965,"end":59.64,"sentiment":"neutral","sentiment_score":-0.022839655930345707},{"text":"But, essentially, I had you booked because you did your annual review with my colleague a little while ago and had a couple of questions through that you wanted to go through in a bit more detail.","start":60.420002,"end":72.295,"sentiment":"neutral","sentiment_score":0.05295071665298294},{"text":"Is that right?","start":72.295,"end":73.195,"sentiment":"neutral","sentiment_score":0.06165503958861033},{"text":"Yeah.","start":74.534996,"end":75.034996,"sentiment":"neutral","sentiment_score":0.04472211003303528}],"sentiment":"neutral","sentiment_score":0.03749715821501219,"num_words":53,"start":56.645,"end":75.034996},{"sentences":[{"text":"And I can here see here that one of the things was in regards to your beneficiaries and how your, like, your nominations and stuff like that.","start":75.655,"end":85.115,"sentiment":"neutral","sentiment_score":0.0369862860965508},{"text":"Yeah.","start":85.494995,"end":85.994995,"sentiment":"neutral","sentiment_score":0.039064597338438034},{"text":"What was it, I guess, in regards to how you wanna structure them?","start":88.049995,"end":91.81,"sentiment":"neutral","sentiment_score":0.010402376906803021},{"text":"Or Okay.","start":91.81,"end":118.47,"sentiment":"neutral","sentiment_score":0.007070393301546574},{"text":"Yeah.","start":122.21,"end":122.53,"sentiment":"neutral","sentiment_score":0.17331446707248688}],"sentiment":"neutral","sentiment_score":0.030917738077484748,"num_words":44,"start":75.655,"end":122.53},{"sentences":[{"text":"I can definitely follow-up and make sure we get those sent out.","start":122.53,"end":125.745,"sentiment":"positive","sentiment_score":0.3985704804460208},{"text":"And with the nominations, I did wanted to check with you because, at the moment, we have four.","start":125.745,"end":130.705,"sentiment":"neutral","sentiment_score":0.19208071918951142},{"text":"So you have, Alana, Douglas, Haley, and Lee.","start":130.705,"end":134.325,"sentiment":"neutral","sentiment_score":0.12742416933178902},{"text":"Now they've all been nominated as other dependent.","start":136.065,"end":139.285,"sentiment":"neutral","sentiment_score":0.14052667655050755},{"text":"So can I ask their relationship to you?","start":141.39,"end":145.25,"sentiment":"neutral","sentiment_score":0.059078913647681475}],"sentiment":"neutral","sentiment_score":0.20104697753709774,"num_words":54,"start":122.53,"end":145.25},{"sentences":[{"text":"Yeah.","start":146.91,"end":147.41,"sentiment":"neutral","sentiment_score":0.05387463420629501},{"text":"Yep.","start":153.39,"end":153.675,"sentiment":"neutral","sentiment_score":0.04234107956290245},{"text":"Yep.","start":154.155,"end":154.655,"sentiment":"neutral","sentiment_score":0.04071029648184776},{"text":"Hailey and Douglas.","start":159.675,"end":160.975,"sentiment":"neutral","sentiment_score":0.020914378575980663},{"text":"Oh, yeah.","start":163.435,"end":164.175,"sentiment":"neutral","sentiment_score":0.03616201877593994}],"sentiment":"neutral","sentiment_score":0.03399914794135839,"num_words":8,"start":146.91,"end":164.175},{"sentences":[{"text":"Okay.","start":167.035,"end":167.535,"sentiment":"neutral","sentiment_score":0.011242334730923176},{"text":"Yep.","start":167.595,"end":168.095,"sentiment":"neutral","sentiment_score":-0.002755478024482727},{"text":"Now yeah.","start":168.795,"end":171.24,"sentiment":"neutral","sentiment_score":-0.13443613052368164},{"text":"No.","start":171.38,"end":171.88,"sentiment":"neutral","sentiment_score":-0.21937866508960724},{"text":"Yeah.","start":174.02,"end":174.34001,"sentiment":"neutral","sentiment_score":-0.09986550360918044}],"sentiment":"neutral","sentiment_score":-0.09660492883995175,"num_words":6,"start":167.035,"end":174.34001},{"sentences":[{"text":"Yeah.","start":174.34001,"end":174.66,"sentiment":"neutral","sentiment_score":-0.11383046209812164},{"text":"And I I am very sorry to hear about your loss as well.","start":174.66,"end":177.64,"sentiment":"negative","sentiment_score":-0.4413497270299838},{"text":"Yeah.","start":181.70001,"end":182.1,"sentiment":"neutral","sentiment_score":0.22236207127571103},{"text":"That's right.","start":182.1,"end":182.745,"sentiment":"neutral","sentiment_score":0.3010076880455017},{"text":"That that's that's the attitude to have.","start":183.22499,"end":185.245,"sentiment":"neutral","sentiment_score":0.19182250116552627}],"sentiment":"neutral","sentiment_score":-0.15351008158177137,"num_words":24,"start":174.34001,"end":185.245},{"sentences":[{"text":"Now with your with your beneficiaries, so I'm not sure if anyone has gone through it with you, but they are quite strict on who you can actually nominate directly through your superannuation.","start":185.94499,"end":196.37001,"sentiment":"neutral","sentiment_score":-0.09932807223363356},{"text":"So because there are a lot of lot of legislation on a valid nomination because of the state act.","start":197.31,"end":203.89,"sentiment":"neutral","sentiment_score":-0.05079181139406405},{"text":"So the only people that you can nominate you at the time of your passing.","start":204.27,"end":224.4,"sentiment":"neutral","sentiment_score":-0.01246776431798935},{"text":"You need you need to have a very close personal relationship while living together, and you need to provide financial, domestic, or personal care support.","start":224.7,"end":232.0,"sentiment":"neutral","sentiment_score":0.03293093964457512},{"text":"So would any of your cousins or your best friend fall into that category of So the way that we would have to change it, so you can still very much give it to them.","start":232.94,"end":245.105,"sentiment":"neutral","sentiment_score":-0.1153008439711162}],"sentiment":"neutral","sentiment_score":-0.06017435679402877,"num_words":127,"start":185.94499,"end":245.105},{"sentences":[{"text":"It would just have to structure it slightly different.","start":245.565,"end":248.545,"sentiment":"neutral","sentiment_score":-0.09955024636454052},{"text":"So the way that we would have to do it is that on your forms, we would nominate 100% through a legal personal representative.","start":248.605,"end":258.23,"sentiment":"neutral","sentiment_score":0.14075633666167656},{"text":"Essentially, it is a fancy word saying that it reverts to your will.","start":259.33,"end":263.19,"sentiment":"neutral","sentiment_score":0.11290863156318665},{"text":"And then in your will, you can nominate whoever you want as long as they're live in person.","start":263.57,"end":268.505,"sentiment":"neutral","sentiment_score":0.16093572229146957},{"text":"You can, yeah, nominate whoever you want.","start":268.805,"end":271.365,"sentiment":"neutral","sentiment_score":0.20277756878307887}],"sentiment":"neutral","sentiment_score":0.11642673317815216,"num_words":71,"start":245.565,"end":271.365},{"sentences":[{"text":"And if anything ever changes, you will just have to update your will, and the beneficiary on your super would stay intact because it just says in reverse through the will.","start":271.365,"end":282.17,"sentiment":"neutral","sentiment_score":0.09449141184168477},{"text":"Does that make sense?","start":282.17,"end":283.31003,"sentiment":"neutral","sentiment_score":0.07954276818782091},{"text":"Yeah.","start":284.41,"end":284.89,"sentiment":"neutral","sentiment_score":0.04811554029583931},{"text":"So it is a bit tricky.","start":284.89,"end":286.99002,"sentiment":"neutral","sentiment_score":-0.09307469551761945},{"text":"You can still very much give it to them.","start":287.69,"end":289.21002,"sentiment":"neutral","sentiment_score":-0.1123045724299219}],"sentiment":"neutral","sentiment_score":0.03384962853263406,"num_words":51,"start":271.365,"end":289.21002},{"sentences":[{"text":"We would just have to change it to make sure it's valid because the way that they are now, if something were to happen to you tomorrow, the superannuation trustee would just seems the current nomination invalid.","start":289.21002,"end":301.33502,"sentiment":"neutral","sentiment_score":-0.15817429236060865},{"text":"We don't want that.","start":301.55502,"end":302.27502,"sentiment":"negative","sentiment_score":-0.34141484647989273},{"text":"We wanna make sure that if something were to happen to you, they actually go to your best friend and your cousin.","start":302.27502,"end":306.88998,"sentiment":"neutral","sentiment_score":-0.09827851656485688},{"text":"So I'll definitely get the team to resend them through you so we can get that sorted as soon as possible.","start":307.59,"end":314.49,"sentiment":"neutral","sentiment_score":0.05860982196671622},{"text":"Now do you have access to a printer, or is post the best for you?","start":315.11,"end":320.095,"sentiment":"neutral","sentiment_score":0.03957309102018674}],"sentiment":"neutral","sentiment_score":-0.07632154485944545,"num_words":99,"start":289.21002,"end":320.095},{"sentences":[{"text":"Yep?","start":321.755,"end":322.155,"sentiment":"neutral","sentiment_score":0.06368768960237503},{"text":"Okay.","start":322.155,"end":322.655,"sentiment":"neutral","sentiment_score":0.19834519922733307},{"text":"Because I'll get the team to email it to you then if you're happy to do so.","start":323.435,"end":326.555,"sentiment":"neutral","sentiment_score":0.2861454478081535},{"text":"They just have to be printed and wet signed because you are making a legal nomination.","start":326.555,"end":330.655,"sentiment":"neutral","sentiment_score":0.17893411312252283},{"text":"And I can get a pre filled if you would like just through the legal personal representative.","start":331.835,"end":337.39,"sentiment":"neutral","sentiment_score":0.14461537362898097}],"sentiment":"neutral","sentiment_score":0.2009213973696415,"num_words":52,"start":321.755,"end":337.39},{"sentences":[{"text":"And then, yeah, you would just have to get a a will sorted as well.","start":338.41,"end":341.77,"sentiment":"neutral","sentiment_score":0.12268004914124807},{"text":"Do you currently have a will in place?","start":341.77,"end":343.71,"sentiment":"neutral","sentiment_score":0.02281428105197847},{"text":"Yeah.","start":344.33,"end":344.73,"sentiment":"neutral","sentiment_score":0.0916433110833168},{"text":"Okay.","start":344.73,"end":345.23,"sentiment":"neutral","sentiment_score":0.25660812854766846},{"text":"Perfect.","start":345.29,"end":345.79,"sentiment":"positive","sentiment_score":0.4235721826553345}],"sentiment":"neutral","sentiment_score":0.10748225414695647,"num_words":26,"start":338.41,"end":345.79},{"sentences":[{"text":"So, yeah, I would just obviously suggest either updating that yourself or obviously speak to your lawyer if you did it that way and just include how you want that nomination broken down.","start":346.33,"end":356.525,"sentiment":"neutral","sentiment_score":0.1784543636621851},{"text":"But I'll get that emailed for you to make sure we we do get that updated because it is very important.","start":357.065,"end":362.07,"sentiment":"neutral","sentiment_score":0.2235684103908993},{"text":"Perhaps I'm glad you brought it up very much.","start":364.37,"end":367.81,"sentiment":"neutral","sentiment_score":0.13027573211325538},{"text":"Sorry.","start":367.81,"end":368.31,"sentiment":"neutral","sentiment_score":-0.19128553569316864},{"text":"Now the other thing I had here was that you were interested in maybe doing some salary sacrifice.","start":368.85,"end":373.43,"sentiment":"neutral","sentiment_score":-0.11046845072673427}],"sentiment":"neutral","sentiment_score":0.11678895804031593,"num_words":82,"start":346.33,"end":373.43},{"sentences":[{"text":"Yeah.","start":374.77,"end":375.27,"sentiment":"neutral","sentiment_score":0.031862784177064896},{"text":"Now at the moment, I have here your income at about 87,000.","start":376.48502,"end":381.865,"sentiment":"neutral","sentiment_score":0.01883558160625398},{"text":"Yep.","start":382.965,"end":383.445,"sentiment":"neutral","sentiment_score":0.18524488806724548},{"text":"Perfect.","start":383.445,"end":383.945,"sentiment":"positive","sentiment_score":0.4776345193386078},{"text":"And your employer, they just pay you that standard 12% contribution going into Superannuation.","start":385.045,"end":390.54,"sentiment":"neutral","sentiment_score":0.26576931455305647}],"sentiment":"neutral","sentiment_score":0.1600530887793364,"num_words":29,"start":374.77,"end":390.54},{"sentences":[{"text":"Great.","start":390.84,"end":391.16,"sentiment":"positive","sentiment_score":0.6397480964660645},{"text":"Perfect.","start":391.16,"end":391.66,"sentiment":"positive","sentiment_score":0.5613182783126831},{"text":"Now do you have any amounts in mind that you would like to salary sacrifice?","start":392.84,"end":397.8,"sentiment":"neutral","sentiment_score":0.1118023027976354},{"text":"Do you kind of understand how it all works?","start":397.8,"end":399.64,"sentiment":"neutral","sentiment_score":0.032208547823958926},{"text":"Have you done it before?","start":399.64,"end":400.78,"sentiment":"neutral","sentiment_score":0.014930011332035064}],"sentiment":"neutral","sentiment_score":0.10460090012319627,"num_words":31,"start":390.84,"end":400.78},{"sentences":[{"text":"Yep.","start":402.76,"end":403.155,"sentiment":"neutral","sentiment_score":-0.003793664276599884},{"text":"Yep.","start":411.555,"end":412.055,"sentiment":"neutral","sentiment_score":-0.05447659641504288},{"text":"Yeah.","start":441.38498,"end":441.78497,"sentiment":"neutral","sentiment_score":0.04195006936788559},{"text":"And that's a very good question.","start":441.78497,"end":443.145,"sentiment":"neutral","sentiment_score":0.2035958282649517},{"text":"And very much so it is still good to do any amount because how it works yeah.","start":443.145,"end":448.84,"sentiment":"neutral","sentiment_score":0.15239854595240424}],"sentiment":"neutral","sentiment_score":0.1460011561329548,"num_words":26,"start":402.76,"end":448.84},{"sentences":[{"text":"Because, basically, how it works is that, obviously, the more you put in, the more it's gonna compound, the more you're gonna save in tax, and the more you're still going to grow.","start":448.84,"end":456.86,"sentiment":"neutral","sentiment_score":0.17152330821210687},{"text":"But it also comes down to, well, how much can you actually forego of your take home pay?","start":456.91998,"end":462.01498,"sentiment":"neutral","sentiment_score":-0.01749608748488956},{"text":"Because the biggest thing is that, obviously, by salary sacrificing, it comes pretax, which is what makes it so effective, but also is then locked into superannuation until you meet a condition of relief.","start":462.155,"end":474.315,"sentiment":"neutral","sentiment_score":0.021443500484832945},{"text":"So for example, you know, turning 60 and retiring or 65 and still working.","start":474.315,"end":480.77,"sentiment":"neutral","sentiment_score":0.024002346343227794},{"text":"So that is the biggest thing of obviously making sure that you have enough surplus each week to be able to forego it.","start":480.99,"end":487.71,"sentiment":"neutral","sentiment_score":0.059351255550332695}],"sentiment":"neutral","sentiment_score":0.06373385523949734,"num_words":122,"start":448.84,"end":487.71},{"sentences":[{"text":"So that is typically where where we would start of being like, okay.","start":487.71,"end":491.565,"sentiment":"neutral","sentiment_score":0.0359205798460887},{"text":"Well, can you forgo, you know, $20 a fortnight?","start":491.565,"end":495.165,"sentiment":"neutral","sentiment_score":0.11702444652716319},{"text":"Would that still, you know, make sure you have enough money left over and stuff like that?","start":495.165,"end":499.02502,"sentiment":"neutral","sentiment_score":0.13361798226833344},{"text":"And then if you're, like, I can, you know, do the calculations for you.","start":499.08502,"end":502.545,"sentiment":"neutral","sentiment_score":0.15766387645687377},{"text":"And then because how it works is contributions going into superannuation is taxed at 15%.","start":503.24503,"end":510.23,"sentiment":"neutral","sentiment_score":0.21704099476337432}],"sentiment":"neutral","sentiment_score":0.13609709481106086,"num_words":68,"start":487.71,"end":510.23},{"sentences":[{"text":"So it is a lot cheaper, 15.","start":510.29,"end":512.47,"sentiment":"positive","sentiment_score":0.444622882774898},{"text":"And your income is 87, then your marginal tax rate is at 30% plus the medical levy.","start":513.17,"end":521.285,"sentiment":"neutral","sentiment_score":0.2788829566801296},{"text":"So even by doing, you know, $20 a fortnight, you will still save on it because you're not paying the full 30% tax.","start":521.425,"end":529.745,"sentiment":"positive","sentiment_score":0.47037420454232587},{"text":"It's only 15 going into the, and it comes out before you have to pay tax, which reduces your taxable income.","start":529.745,"end":537.74005,"sentiment":"positive","sentiment_score":0.3644300784383501},{"text":"Does that make sense?","start":540.12,"end":541.18,"sentiment":"neutral","sentiment_score":0.1637187898159027}],"sentiment":"positive","sentiment_score":0.3747206104712354,"num_words":72,"start":510.29,"end":541.18},{"sentences":[{"text":"Yeah.","start":541.88,"end":542.38,"sentiment":"neutral","sentiment_score":0.2857702374458313},{"text":"Yeah.","start":544.52,"end":545.0,"sentiment":"neutral","sentiment_score":0.3241746425628662},{"text":"And the the only thing that is kind of good to keep on be mindful of when it comes to inbound is that we don't ideally wanna go over the concessional contribution cap if the purpose is to over receive a boost super and through at the tax effective rate.","start":545.0,"end":562.745,"sentiment":"neutral","sentiment_score":0.02757291115820408},{"text":"Now currently, the concessional contribution cap for each financial year is 30,000.","start":562.885,"end":569.23,"sentiment":"neutral","sentiment_score":0.04570686879257361},{"text":"That does include your contributions from your employer.","start":569.85,"end":573.31,"sentiment":"neutral","sentiment_score":0.09310546424239874}],"sentiment":"neutral","sentiment_score":0.0455821746856802,"num_words":72,"start":541.88,"end":573.31},{"sentences":[{"text":"So at the moment, you get about $10,440 from your employer, so you do have plenty of space left if you do wanna put in more.","start":574.01,"end":584.445,"sentiment":"neutral","sentiment_score":0.1677016349366078},{"text":"Yep.","start":585.945,"end":586.445,"sentiment":"neutral","sentiment_score":0.12224547564983368},{"text":"It makes a difference.","start":592.12006,"end":593.26,"sentiment":"neutral","sentiment_score":0.24779649078845978},{"text":"Exactly.","start":594.2,"end":594.7,"sentiment":"neutral","sentiment_score":0.056070126593112946},{"text":"Now have you ever used pay calculator before?","start":595.08,"end":597.66003,"sentiment":"neutral","sentiment_score":0.02746789064258337}],"sentiment":"neutral","sentiment_score":0.1437371799722314,"num_words":40,"start":574.01,"end":597.66003},{"sentences":[{"text":"No.","start":599.72003,"end":600.12006,"sentiment":"neutral","sentiment_score":-0.02854972518980503},{"text":"So it's just a website, paycalculator.com.au.","start":600.12006,"end":604.495,"sentiment":"neutral","sentiment_score":0.025249653185407322},{"text":"And I think it's really good, especially if you're trying to work out, well, how much can I salary sacrifice more so from how much is that going in impact my pay comp pay?","start":604.67505,"end":614.695,"sentiment":"neutral","sentiment_score":0.18163822065381444},{"text":"Is that on the website, you can put your salary.","start":614.755,"end":617.31,"sentiment":"neutral","sentiment_score":0.03728150026872754},{"text":"It tells you your after tax income, and then you can actually put different salary sacrifice contribution amount.","start":617.79,"end":627.17,"sentiment":"neutral","sentiment_score":0.16116647380921575}],"sentiment":"neutral","sentiment_score":0.13873129315080418,"num_words":69,"start":599.72003,"end":627.17},{"sentences":[{"text":"And you can change it weekly, annually, fortnightly, And you can kind of have a play around with the different amounts, and it will tell you how much you save in tax.","start":627.39,"end":637.0186,"sentiment":"neutral","sentiment_score":0.23833079426549375},{"text":"It will then tell you what your pay will be, and then it will also tell you how much extra you put into super.","start":637.0186,"end":644.14996,"sentiment":"neutral","sentiment_score":0.2425604568173488},{"text":"So it is a really good kind of tool to kind of get started on it.","start":644.69,"end":648.95,"sentiment":"positive","sentiment_score":0.7015755884349346},{"text":"But but what I can also do because we do also have here that we wanna review your superannuation portfolio a little bit.","start":650.85,"end":658.195,"sentiment":"neutral","sentiment_score":0.13200058561304343},{"text":"So part of part of the review, if you would like me to if you tell me, you know, I'm happy to put in $20 a week or $20 a fortnight, if you think that's okay savings point of view, I can always put this put the recommendation in a strategy paper for you and show you exactly what that would look like if you would like.","start":658.255,"end":680.66,"sentiment":"neutral","sentiment_score":0.197088053310985}],"sentiment":"neutral","sentiment_score":0.2525565360247353,"num_words":162,"start":627.39,"end":680.66},{"sentences":[{"text":"Yep.","start":681.92,"end":682.42,"sentiment":"neutral","sentiment_score":0.1823914498090744},{"text":"Now do you think that $20 a fortnight or week, or what do you think would be a good starting point?","start":683.6,"end":689.525,"sentiment":"neutral","sentiment_score":0.1668257521731513},{"text":"And you can always change it because it's just through your employer.","start":689.525,"end":692.48505,"sentiment":"neutral","sentiment_score":0.17897546539704004},{"text":"So you can increase or decrease it, but, obviously, you don't wanna put too much in if it's going to impact your savings or bills and expenses.","start":692.48505,"end":699.81,"sentiment":"neutral","sentiment_score":0.011301092251583381},{"text":"Okay.","start":705.70996,"end":706.20996,"sentiment":"neutral","sentiment_score":0.04609505087137222}],"sentiment":"neutral","sentiment_score":0.09975261890119122,"num_words":62,"start":681.92,"end":706.20996},{"sentences":[{"text":"Yep.","start":707.31,"end":707.81,"sentiment":"neutral","sentiment_score":0.12295564264059068},{"text":"Yep.","start":711.95,"end":712.43,"sentiment":"neutral","sentiment_score":0.1582343876361847},{"text":"Okay.","start":712.43,"end":712.91,"sentiment":"neutral","sentiment_score":0.29591435194015503},{"text":"Perfect.","start":712.91,"end":713.41,"sentiment":"positive","sentiment_score":0.5053671598434448},{"text":"Now with your portfolio as well, I think Samantha went through, I guess, an overview of the portfolio.","start":713.87,"end":720.535,"sentiment":"neutral","sentiment_score":0.20715031690067714}],"sentiment":"neutral","sentiment_score":0.2186898748305711,"num_words":22,"start":707.31,"end":720.535},{"sentences":[{"text":"Yeah.","start":721.715,"end":722.115,"sentiment":"neutral","sentiment_score":0.22830072045326233},{"text":"Perfect.","start":722.115,"end":722.595,"sentiment":"positive","sentiment_score":0.4075303375720978},{"text":"And there is one one investment in the portfolio that I would like to look at swapping out, and that is your Benelon Concentrate and Australian Equity Fund.","start":722.595,"end":733.18,"sentiment":"neutral","sentiment_score":0.13605782389640808},{"text":"Now that one is a a managed fund.","start":733.72,"end":736.3,"sentiment":"neutral","sentiment_score":0.06288515182677656},{"text":"And, you know, when that was recommended in the portfolio, it was doing really, really well.","start":737.0,"end":741.24,"sentiment":"positive","sentiment_score":0.4893826860934496}],"sentiment":"neutral","sentiment_score":0.23664174665248505,"num_words":54,"start":721.715,"end":741.24},{"sentences":[{"text":"And the purpose of it is to provide you with that kind of active management where they try to kind of outperform the market.","start":741.24,"end":747.885,"sentiment":"positive","sentiment_score":0.4246602604786555},{"text":"So they can cost a little bit more because they are trying to kind of actively buy and sell investments.","start":747.885,"end":753.345,"sentiment":"neutral","sentiment_score":0.06570035275071859},{"text":"They're trying to outperform the market.","start":753.40497,"end":755.13,"sentiment":"neutral","sentiment_score":0.19844215859969458},{"text":"Sometimes it does, you know, very much pay off, but then other times, not always for the cost.","start":755.69,"end":762.19,"sentiment":"neutral","sentiment_score":0.09242657344374391},{"text":"Now that is the only active management portion you have in your portfolio.","start":762.41003,"end":766.91003,"sentiment":"neutral","sentiment_score":0.0890752999828412}],"sentiment":"neutral","sentiment_score":0.19158226518351354,"num_words":81,"start":741.24,"end":766.91003},{"sentences":[{"text":"The rest are kind of your ETF.","start":767.21,"end":769.63,"sentiment":"neutral","sentiment_score":0.08856791736824172},{"text":"So they kinda just track and index a little bit cheaper and don't fluctuate as much.","start":769.77,"end":774.89496,"sentiment":"neutral","sentiment_score":0.06798648519907147},{"text":"So your your Benelon investment, they have kind of underperformed a little bit lately.","start":774.89496,"end":780.27496,"sentiment":"neutral","sentiment_score":-0.2706444540194103},{"text":"The biggest reason why they kind of have underperformed is that one of their investments that they had in the funds was the corporate travel group.","start":780.735,"end":791.73,"sentiment":"neutral","sentiment_score":-0.09190172186264625},{"text":"Now they have you heard of them?","start":792.58997,"end":794.52997,"sentiment":"neutral","sentiment_score":-0.06513450560825211}],"sentiment":"neutral","sentiment_score":-0.07038070684564965,"num_words":70,"start":767.21,"end":794.52997},{"sentences":[{"text":"No.","start":796.26996,"end":796.76996,"sentiment":"neutral","sentiment_score":-0.23799216747283936},{"text":"Essentially, they their reporting and stuff like that weren't great.","start":797.71497,"end":801.795,"sentiment":"negative","sentiment_score":-0.3697184666991234},{"text":"They were doing some some stuff that they probably shouldn't, the company itself.","start":801.795,"end":806.375,"sentiment":"negative","sentiment_score":-0.3558659507678105},{"text":"So they got they got suspended from trading for a while.","start":806.435,"end":809.475,"sentiment":"neutral","sentiment_score":-0.27104564146562055},{"text":"So because they were suspended from trading, it then kind of the, you know, undervalued and made the share prices drop because there was no observable market price.","start":809.475,"end":819.47003,"sentiment":"neutral","sentiment_score":-0.27844120668513433}],"sentiment":"neutral","sentiment_score":-0.3069728577420825,"num_words":63,"start":796.26996,"end":819.47003},{"sentences":[{"text":"So it wasn't Benelung themselves.","start":819.53,"end":821.23004,"sentiment":"neutral","sentiment_score":-0.12286426872015},{"text":"It was one of their holdings.","start":821.29004,"end":822.67,"sentiment":"neutral","sentiment_score":-0.06721466407179832},{"text":"But because there was quite a exactly.","start":823.05,"end":825.23004,"sentiment":"neutral","sentiment_score":-0.018102919150676047},{"text":"So because of that still, though, it is something I do wanna look to change because they have they have dropped a bit.","start":825.69,"end":833.825,"sentiment":"neutral","sentiment_score":-0.08265697615950005},{"text":"Your Benelung investment is the one that's kind of been underperformed in your portfolio, and the goal is obviously to making sure that we always have you in the best position at all times.","start":833.825,"end":843.765,"sentiment":"neutral","sentiment_score":0.14619801615310066}],"sentiment":"neutral","sentiment_score":0.025670564472675322,"num_words":75,"start":819.53,"end":843.765},{"sentences":[{"text":"So even though it was a great investment when you came on board and historically have done really well, right now, the way that we see it in investment committees, we don't really foresee it being one that we would like to keep around.","start":843.98505,"end":856.76996,"sentiment":"neutral","sentiment_score":0.13340973600067876},{"text":"We don't see it increasing as much, so, therefore, we wanna look at changing it.","start":857.06995,"end":861.075,"sentiment":"neutral","sentiment_score":-0.21535145839055378},{"text":"So if you are happy for me to do so, I will go and do a bit more research on your current investment, obviously, see how it's all going, make a couple of recommendations on options I think might be good.","start":861.45496,"end":873.976,"sentiment":"neutral","sentiment_score":0.15516329293207423},{"text":"I'll present it to you, and then you can let me know what you would like to do.","start":873.976,"end":877.5,"sentiment":"neutral","sentiment_score":0.3001558366749022},{"text":"Yeah.","start":878.68005,"end":879.16003,"sentiment":"positive","sentiment_score":0.41903388500213623}],"sentiment":"neutral","sentiment_score":0.12456546608014267,"num_words":119,"start":843.98505,"end":879.16003},{"sentences":[{"text":"Perfect.","start":879.16003,"end":879.66003,"sentiment":"positive","sentiment_score":0.533017635345459},{"text":"Now with your current portfolio as well, we do have you invested in a high growth portfolio.","start":880.12006,"end":883.1164,"sentiment":"neutral","sentiment_score":0.18889675859142752},{"text":"Do you kind of remember growth portfolio.","start":883.1164,"end":886.045,"sentiment":"neutral","sentiment_score":0.06742607961807932},{"text":"Do you kind of remember what the high growth is?","start":886.345,"end":888.745,"sentiment":"neutral","sentiment_score":0.05862539038062096},{"text":"Are you quite comfortable with it?","start":888.745,"end":890.605,"sentiment":"neutral","sentiment_score":0.0748149398714304}],"sentiment":"neutral","sentiment_score":0.12808264955514814,"num_words":41,"start":879.16003,"end":890.605},{"sentences":[{"text":"Yep.","start":891.865,"end":892.26495,"sentiment":"neutral","sentiment_score":0.16468316316604614},{"text":"Yep.","start":892.26495,"end":892.58496,"sentiment":"neutral","sentiment_score":0.1359034776687622},{"text":"Okay.","start":892.58496,"end":892.985,"sentiment":"neutral","sentiment_score":0.16642503440380096},{"text":"Perfect.","start":892.985,"end":893.485,"sentiment":"positive","sentiment_score":0.37496206164360046},{"text":"Now you do obviously have plenty of time on your And so time frame wise, you are in a good position of being in a high growth with the focus of obviously trying to maximize that growth as much as possible, you know, as long as you are comfortable seeing a bit of fluctuation short term to tryna get a growth in long term.","start":893.625,"end":911.885,"sentiment":"neutral","sentiment_score":0.1664351224899292}],"sentiment":"neutral","sentiment_score":0.1690267878858482,"num_words":68,"start":891.865,"end":911.885},{"sentences":[{"text":"Yeah.","start":913.385,"end":913.885,"sentiment":"neutral","sentiment_score":0.20929528772830963},{"text":"Perfect.","start":914.025,"end":914.525,"sentiment":"positive","sentiment_score":0.5453921556472778},{"text":"Yep.","start":917.705,"end":918.10504,"sentiment":"neutral","sentiment_score":0.20073923468589783},{"text":"Correct.","start":918.10504,"end":918.60504,"sentiment":"neutral","sentiment_score":0.2935669422149658},{"text":"Perfect.","start":918.66504,"end":919.16504,"sentiment":"positive","sentiment_score":0.3662608861923218}],"sentiment":"neutral","sentiment_score":0.3230509012937546,"num_words":5,"start":913.385,"end":919.16504},{"sentences":[{"text":"Yes.","start":922.025,"end":922.525,"sentiment":"neutral","sentiment_score":0.14779552817344666},{"text":"Yep.","start":922.74506,"end":923.24506,"sentiment":"neutral","sentiment_score":0.1300269365310669},{"text":"Yeah.","start":924.18506,"end":924.68506,"sentiment":"neutral","sentiment_score":0.12445597350597382},{"text":"Yeah.","start":925.31,"end":925.63,"sentiment":"neutral","sentiment_score":0.21261808276176453},{"text":"Perfect.","start":925.63,"end":926.13,"sentiment":"neutral","sentiment_score":0.29380926489830017}],"sentiment":"neutral","sentiment_score":0.1817411571741104,"num_words":5,"start":922.025,"end":926.13},{"sentences":[{"text":"And I guess when it comes to the asset allocation of the investment, typically, we see 90% in your growth investments in a high growth portfolio.","start":926.43,"end":934.37,"sentiment":"neutral","sentiment_score":0.13452744741852468},{"text":"So that is where you have your Australian shares, your international shares, your equity, your property, and stuff like that as well.","start":934.67,"end":941.425,"sentiment":"neutral","sentiment_score":0.1630993126468225},{"text":"We're trying to maximize that growth.","start":941.425,"end":943.34503,"sentiment":"neutral","sentiment_score":0.28580905497074127},{"text":"And then we do have about 10% in your defensive investment.","start":943.34503,"end":948.005,"sentiment":"neutral","sentiment_score":0.13470678573304956},{"text":"So that is like your cash, your gold, your fixed interest.","start":948.065,"end":950.805,"sentiment":"neutral","sentiment_score":0.12937216460704803}],"sentiment":"neutral","sentiment_score":0.15402133282470076,"num_words":76,"start":926.43,"end":950.805},{"sentences":[{"text":"We're trying to limit a little bit.","start":950.945,"end":953.50995,"sentiment":"neutral","sentiment_score":0.014967841229268483},{"text":"So I'll have a look at that for you.","start":955.41,"end":957.73,"sentiment":"neutral","sentiment_score":0.1377558492951923},{"text":"Now I do wanna also check with you that we've recently I'm not sure if you've read our newsletter recently, but we've also recently so the investment committee have recently joined with BlackRock, which you may have heard of.","start":957.73,"end":971.575,"sentiment":"neutral","sentiment_score":0.06608830373256634},{"text":"They are one of the the biggest investment managers, and we've kind of created a model portfolio per se.","start":971.71497,"end":978.34,"sentiment":"neutral","sentiment_score":0.13475007720683752},{"text":"So it's a an SMA, it's called.","start":978.34,"end":981.16,"sentiment":"neutral","sentiment_score":0.10067263139145714}],"sentiment":"neutral","sentiment_score":0.08872816375928161,"num_words":81,"start":950.945,"end":981.16},{"sentences":[{"text":"So it's a self managed account along with BlackRock.","start":981.46,"end":985.4,"sentiment":"neutral","sentiment_score":0.06892739360531171},{"text":"So how that works is that at the moment, we have what's called more a model portfolio individual investment in there in your hub hub accounts.","start":985.7,"end":996.165,"sentiment":"neutral","sentiment_score":0.09118823420542937},{"text":"And if we wanna go and make a change now, for example, with Benelon, we would have the conversation with you.","start":996.465,"end":1001.585,"sentiment":"neutral","sentiment_score":0.1281166761403992},{"text":"We will go and do the research.","start":1001.585,"end":1003.105,"sentiment":"neutral","sentiment_score":0.21116862765380315},{"text":"I'll present you the recommendation, and then you let me know if you're happy with the change.","start":1003.105,"end":1007.94,"sentiment":"neutral","sentiment_score":0.28024134039878845}],"sentiment":"neutral","sentiment_score":0.14904967513866724,"num_words":80,"start":981.46,"end":1007.94},{"sentences":[{"text":"The way that the SMA works slightly different is that even though it's kind of investing in those passive index funds as well, the underlying is a bit more of the active SMA, if you actually go into Hub 24, you can then click and see the investment, but it is a little bit less of that transparency because you do invest just directly in the SMA.","start":1008.56,"end":1044.7999,"sentiment":"neutral","sentiment_score":0.012812460327882375},{"text":"Then we can kind of chop and change the investment based on, you know, if we just see one not doing well.","start":1045.34,"end":1051.025,"sentiment":"neutral","sentiment_score":0.05888724157756025},{"text":"So it allows us to very quickly make those changes if needed.","start":1051.025,"end":1055.125,"sentiment":"neutral","sentiment_score":0.23877285917599997},{"text":"Is that something that you're open to, or do you prefer kind of more having the full oversight with your investment.","start":1056.8651,"end":1066.1,"sentiment":"neutral","sentiment_score":0.15181239800793783},{"text":"Mhmm.","start":1067.2799,"end":1067.7799,"sentiment":"neutral","sentiment_score":0.31681740283966064}],"sentiment":"neutral","sentiment_score":0.06930167664872194,"num_words":123,"start":1008.56,"end":1067.7799},{"sentences":[{"text":"Okay.","start":1068.0,"end":1068.5,"sentiment":"neutral","sentiment_score":0.08817633986473083},{"text":"Yes.","start":1072.24,"end":1072.74,"sentiment":"neutral","sentiment_score":0.10846368968486786},{"text":"Yes.","start":1074.48,"end":1074.98,"sentiment":"neutral","sentiment_score":-0.002867063507437706},{"text":"No.","start":1081.615,"end":1082.115,"sentiment":"neutral","sentiment_score":-0.22134384512901303},{"text":"Yes.","start":1084.335,"end":1084.835,"sentiment":"neutral","sentiment_score":0.22283285856246948}],"sentiment":"neutral","sentiment_score":0.039052395895123486,"num_words":5,"start":1068.0,"end":1084.835},{"sentences":[{"text":"Yeah.","start":1084.895,"end":1085.395,"sentiment":"positive","sentiment_score":0.3959643542766571},{"text":"I'll have okay.","start":1085.455,"end":1087.2949,"sentiment":"positive","sentiment_score":0.5541089773178101},{"text":"Perfect.","start":1087.2949,"end":1087.695,"sentiment":"positive","sentiment_score":0.5352368354797363},{"text":"I'll have a look at both options.","start":1087.695,"end":1088.975,"sentiment":"neutral","sentiment_score":0.19681816228798457},{"text":"Sorry.","start":1088.975,"end":1089.2949,"sentiment":"neutral","sentiment_score":-0.00908627174794674}],"sentiment":"neutral","sentiment_score":0.3047822296905976,"num_words":13,"start":1084.895,"end":1089.2949},{"sentences":[{"text":"I'll have a look at them seeing if if the estimate is viable or if just swapping some of your current investments are the better for you.","start":1089.2949,"end":1096.8049,"sentiment":"neutral","sentiment_score":0.06468745403819615},{"text":"Because what we also wanna factor in is that by swapping some investments, that one that have gone up, there will be some potential capital gains tax associated with this.","start":1096.8049,"end":1105.555,"sentiment":"neutral","sentiment_score":-0.02537156951924165},{"text":"So we wanna obviously minimize that as much as possible as well.","start":1105.555,"end":1108.6951,"sentiment":"neutral","sentiment_score":0.050929162030418716},{"text":"So I'll factor in all of it for you.","start":1108.915,"end":1111.2351,"sentiment":"neutral","sentiment_score":0.24321424629953173},{"text":"I'll put together the recommendation, and that we can always take it from from there.","start":1111.2351,"end":1117.49,"sentiment":"neutral","sentiment_score":0.19613730212052663}],"sentiment":"neutral","sentiment_score":0.07233926737981458,"num_words":93,"start":1089.2949,"end":1117.49},{"sentences":[{"text":"Yep.","start":1117.49,"end":1117.99,"sentiment":"positive","sentiment_score":0.4336884021759033},{"text":"Perfect.","start":1118.21,"end":1118.71,"sentiment":"positive","sentiment_score":0.5994282960891724},{"text":"Now it will take a couple of weeks to get all of this research together.","start":1119.57,"end":1123.35,"sentiment":"neutral","sentiment_score":0.207539801299572},{"text":"Perfect.","start":1123.73,"end":1124.21,"sentiment":"positive","sentiment_score":0.597084105014801},{"text":"Thank you.","start":1124.21,"end":1124.95,"sentiment":"positive","sentiment_score":0.5738407671451569}],"sentiment":"neutral","sentiment_score":0.2945489678531885,"num_words":20,"start":1117.49,"end":1124.95},{"sentences":[{"text":"I'd just rather be you know, it's in case you're not expecting it tomorrow.","start":1125.33,"end":1128.21,"sentiment":"neutral","sentiment_score":0.020729299634695053},{"text":"It is a bit of a process.","start":1128.21,"end":1129.59,"sentiment":"neutral","sentiment_score":-0.0556318573653698},{"text":"Yeah.","start":1132.245,"end":1132.745,"sentiment":"neutral","sentiment_score":-0.006827089935541153},{"text":"Yes.","start":1134.005,"end":1134.325,"sentiment":"neutral","sentiment_score":0.1110757663846016},{"text":"And we wanna make it very thorough.","start":1134.325,"end":1135.9249,"sentiment":"neutral","sentiment_score":0.12813556620052882}],"sentiment":"neutral","sentiment_score":0.030066161106030147,"num_words":30,"start":1125.33,"end":1135.9249},{"sentences":[{"text":"We wanna make sure, you know, we do really do that in-depth research for you, so you don't wanna rush it.","start":1135.9249,"end":1140.085,"sentiment":"neutral","sentiment_score":0.13130001209321476},{"text":"So as soon as I have it all ready, I will give you a call.","start":1140.085,"end":1144.245,"sentiment":"neutral","sentiment_score":0.14196859921018282},{"text":"I will run through the recommendation, and then we can always take it from there.","start":1144.245,"end":1148.29,"sentiment":"neutral","sentiment_score":0.16483658651510874},{"text":"Was there any other questions or anything else that you wanted to discuss today otherwise?","start":1150.1101,"end":1154.3701,"sentiment":"neutral","sentiment_score":0.11654088099797567},{"text":"No.","start":1157.325,"end":1157.825,"sentiment":"neutral","sentiment_score":-0.14584115147590637}],"sentiment":"neutral","sentiment_score":0.13375597169150166,"num_words":67,"start":1135.9249,"end":1157.825},{"sentences":[{"text":"No.","start":1162.0449,"end":1162.5449,"sentiment":"neutral","sentiment_score":-0.16497308015823364},{"text":"Mhmm.","start":1168.205,"end":1168.705,"sentiment":"neutral","sentiment_score":-0.084840327501297},{"text":"Yeah.","start":1172.845,"end":1173.3,"sentiment":"neutral","sentiment_score":-0.0818653553724289},{"text":"There is it's a little bit tricky.","start":1187.275,"end":1189.275,"sentiment":"neutral","sentiment_score":-0.27198661650930134},{"text":"There is one that's it's more financial hardship you can do through super, but, typically, you'd have to be on Centrelink for twenty six weeks in order to tryna get that.","start":1189.275,"end":1200.175,"sentiment":"neutral","sentiment_score":-0.11914849737959524}],"sentiment":"neutral","sentiment_score":-0.14461435359425662,"num_words":41,"start":1162.0449,"end":1200.175},{"sentences":[{"text":"Or there is another one where it's a compassionate grant.","start":1200.475,"end":1203.1,"sentiment":"neutral","sentiment_score":0.04129562303423882},{"text":"So that's more so if you need a medical surgery or anything like that and you can't pay pay for it, there are ways where you can potentially access some of the students for that.","start":1203.1,"end":1217.955,"sentiment":"neutral","sentiment_score":-0.010119709532175745},{"text":"Okay.","start":1219.2949,"end":1219.7949,"sentiment":"neutral","sentiment_score":0.0004650251939892769},{"text":"Yeah.","start":1220.255,"end":1220.755,"sentiment":"neutral","sentiment_score":-0.0006626592949032784},{"text":"Yeah.","start":1226.255,"end":1226.6549,"sentiment":"neutral","sentiment_score":0.1795596182346344}],"sentiment":"neutral","sentiment_score":0.004961007934374114,"num_words":48,"start":1200.475,"end":1226.6549},{"sentences":[{"text":"Okay.","start":1226.6549,"end":1227.0,"sentiment":"neutral","sentiment_score":0.0905519872903824},{"text":"Yeah.","start":1229.56,"end":1230.06,"sentiment":"neutral","sentiment_score":0.026932526379823685},{"text":"Yeah.","start":1232.2,"end":1232.7,"sentiment":"neutral","sentiment_score":0.01944626495242119},{"text":"Yes.","start":1238.12,"end":1238.62,"sentiment":"neutral","sentiment_score":0.04219542443752289},{"text":"Exactly.","start":1238.68,"end":1239.18,"sentiment":"neutral","sentiment_score":0.03837669640779495}],"sentiment":"neutral","sentiment_score":0.04350057989358902,"num_words":5,"start":1226.6549,"end":1239.18},{"sentences":[{"text":"Yeah.","start":1240.84,"end":1241.34,"sentiment":"neutral","sentiment_score":0.026468979194760323},{"text":"Yeah.","start":1242.36,"end":1242.495,"sentiment":"neutral","sentiment_score":0.07473374903202057},{"text":"Yeah.","start":1244.335,"end":1244.835,"sentiment":"neutral","sentiment_score":-0.02699335105717182},{"text":"If it is well, you know, you really struggle, just let us know.","start":1245.135,"end":1250.595,"sentiment":"neutral","sentiment_score":-0.18416257259937432},{"text":"We'll we'll obviously see if there's anything we can do.","start":1250.655,"end":1253.235,"sentiment":"neutral","sentiment_score":-0.11191947236657143}],"sentiment":"neutral","sentiment_score":-0.13227303039569122,"num_words":26,"start":1240.84,"end":1253.235},{"sentences":[{"text":"Or, you know, hopefully, if it is that you have to, you know, take out a loan or anything like that, I can always get a lender to give you a call if it comes to it, if you wanna assess different options.","start":1254.015,"end":1264.38,"sentiment":"neutral","sentiment_score":-0.05988102336955625},{"text":"Yeah.","start":1267.56,"end":1268.06,"sentiment":"neutral","sentiment_score":0.14622385799884796},{"text":"Okay.","start":1269.16,"end":1269.495,"sentiment":"neutral","sentiment_score":0.18506711721420288},{"text":"Okay.","start":1277.575,"end":1278.075,"sentiment":"neutral","sentiment_score":0.07314194738864899},{"text":"Yeah.","start":1278.615,"end":1279.115,"sentiment":"neutral","sentiment_score":0.06494991481304169}],"sentiment":"neutral","sentiment_score":-0.044797897180344194,"num_words":47,"start":1254.015,"end":1279.115},{"sentences":[{"text":"Just, yeah, let us know how it's all going.","start":1279.335,"end":1281.815,"sentiment":"neutral","sentiment_score":0.09733654310305913},{"text":"Do you know if he had, any super insurances or anything like that that will be, paid out as well?","start":1281.815,"end":1289.01,"sentiment":"neutral","sentiment_score":0.015434851869940758},{"text":"Do you know?","start":1289.01,"end":1289.67,"sentiment":"neutral","sentiment_score":-0.01446594794591268},{"text":"Do you know if your dad had any, you know, superannuation or insurance policies or anything like that.","start":1292.53,"end":1300.0249,"sentiment":"neutral","sentiment_score":-0.10637604776355955},{"text":"Okay.","start":1302.0049,"end":1302.5049,"sentiment":"neutral","sentiment_score":-0.075021892786026}],"sentiment":"neutral","sentiment_score":-0.016636522961597816,"num_words":51,"start":1279.335,"end":1302.5049},{"sentences":[{"text":"Okay.","start":1313.77,"end":1314.27,"sentiment":"neutral","sentiment_score":-0.0020921193063259125},{"text":"Yep.","start":1314.4099,"end":1314.8099,"sentiment":"neutral","sentiment_score":0.05069197341799736},{"text":"Okay.","start":1314.8099,"end":1315.2899,"sentiment":"neutral","sentiment_score":0.04052065312862396},{"text":"Yeah.","start":1315.2899,"end":1315.7899,"sentiment":"neutral","sentiment_score":0.057709284126758575},{"text":"I'll I'll I'll do some more research and see if any of the rules have changed with that financial hardship when it comes to renewal.","start":1315.9299,"end":1322.0299,"sentiment":"neutral","sentiment_score":-0.01965168684720993}],"sentiment":"neutral","sentiment_score":-0.0118780130970067,"num_words":29,"start":1313.77,"end":1322.0299},{"sentences":[{"text":"But last time I checked, it wasn't really an option.","start":1322.8099,"end":1325.865,"sentiment":"neutral","sentiment_score":-0.19408666118979453},{"text":"Do you know how much you would want to take if it if it is that it comes to it?","start":1326.425,"end":1332.125,"sentiment":"neutral","sentiment_score":-0.13510215021669864},{"text":"Okay.","start":1338.585,"end":1338.9,"sentiment":"neutral","sentiment_score":-0.03722674399614334},{"text":"Yep.","start":1343.86,"end":1344.36,"sentiment":"neutral","sentiment_score":-0.011070619337260725},{"text":"Yep.","start":1344.9,"end":1345.38,"sentiment":"neutral","sentiment_score":0.04175655543804169}],"sentiment":"neutral","sentiment_score":-0.1408924370947661,"num_words":33,"start":1322.8099,"end":1345.38},{"sentences":[{"text":"Yep.","start":1345.38,"end":1345.88,"sentiment":"neutral","sentiment_score":0.05314037948846817},{"text":"Okay.","start":1346.34,"end":1346.84,"sentiment":"neutral","sentiment_score":0.06298467516899109},{"text":"Yeah.","start":1348.9,"end":1349.4,"sentiment":"neutral","sentiment_score":0.039000965654850006},{"text":"Okay.","start":1352.98,"end":1353.48,"sentiment":"neutral","sentiment_score":0.19129711389541623},{"text":"Okay.","start":1354.18,"end":1354.515,"sentiment":"neutral","sentiment_score":0.113708034157753}],"sentiment":"neutral","sentiment_score":0.0920262336730957,"num_words":5,"start":1345.38,"end":1354.515},{"sentences":[{"text":"Okay.","start":1354.995,"end":1355.495,"sentiment":"neutral","sentiment_score":0.13429999351501465},{"text":"Yeah.","start":1355.795,"end":1356.295,"sentiment":"neutral","sentiment_score":0.2155163586139679},{"text":"Okay.","start":1358.835,"end":1359.3151,"sentiment":"neutral","sentiment_score":0.1018219143152237},{"text":"Okay.","start":1359.3151,"end":1359.8151,"sentiment":"neutral","sentiment_score":0.0537167564034462},{"text":"Yeah.","start":1360.435,"end":1360.935,"sentiment":"neutral","sentiment_score":0.11501623690128326}],"sentiment":"neutral","sentiment_score":0.12407425194978713,"num_words":5,"start":1354.995,"end":1360.935},{"sentences":[{"text":"And it's a it's a very valid question.","start":1360.995,"end":1362.755,"sentiment":"neutral","sentiment_score":0.18319590482860804},{"text":"And, you know, if anything does change and you're really struggling, you know, just let us know.","start":1362.755,"end":1367.155,"sentiment":"neutral","sentiment_score":-0.08373230235541568},{"text":"Would you like me to hold off on the salary sacrifice for like, you're not included right now is obviously, cash flow is a little bit tight at the moment.","start":1367.155,"end":1376.97,"sentiment":"neutral","sentiment_score":-0.24431970119476318},{"text":"No?","start":1377.35,"end":1377.85,"sentiment":"neutral","sentiment_score":-0.17632341384887695},{"text":"That's fine.","start":1377.99,"end":1378.8099,"sentiment":"neutral","sentiment_score":0.03737686201930046}],"sentiment":"neutral","sentiment_score":-0.12739728667355818,"num_words":58,"start":1360.995,"end":1378.8099},{"sentences":[{"text":"Okay.","start":1379.03,"end":1379.53,"sentiment":"neutral","sentiment_score":0.11650946736335754},{"text":"Yep.","start":1383.03,"end":1383.255,"sentiment":"neutral","sentiment_score":0.07933615148067474},{"text":"Okay.","start":1383.975,"end":1384.475,"sentiment":"neutral","sentiment_score":0.13798078894615173},{"text":"That's okay.","start":1385.335,"end":1386.295,"sentiment":"positive","sentiment_score":0.42871227860450745},{"text":"Perfect.","start":1386.295,"end":1386.615,"sentiment":"positive","sentiment_score":0.6562253832817078}],"sentiment":"neutral","sentiment_score":0.30791272471348446,"num_words":6,"start":1379.03,"end":1386.615},{"sentences":[{"text":"I'll show you the difference anyway in in the research papers so that you can see it.","start":1386.615,"end":1390.635,"sentiment":"positive","sentiment_score":0.36681673456640806},{"text":"If there's anything else, though, that you do need, just let me just let me know.","start":1391.415,"end":1396.215,"sentiment":"neutral","sentiment_score":0.11681326618418097},{"text":"But, otherwise, I'll go and do the research for you just to obviously see.","start":1396.215,"end":1401.13,"sentiment":"neutral","sentiment_score":0.11495337954589299},{"text":"And, obviously, with the the research as well, because you have your HUB 24, and then you also have Mercer Super as well for the purpose of your insurances.","start":1402.55,"end":1411.61,"sentiment":"neutral","sentiment_score":0.17907046256908055},{"text":"So you have a little bit of life and total permanent disability insurance in Mercer Super for you.","start":1411.75,"end":1417.365,"sentiment":"neutral","sentiment_score":0.21411495986911985}],"sentiment":"neutral","sentiment_score":0.19958890162091306,"num_words":94,"start":1386.615,"end":1417.365},{"sentences":[{"text":"Mhmm.","start":1417.985,"end":1418.385,"sentiment":"neutral","sentiment_score":0.05167015269398689},{"text":"So I'll have a review of the amount as well to see if we wanna change anything around to obviously make sure we have the most amount of money in the option that's going to give you the most, but still obviously making sure that we have enough in Mercer super to obviously keep those insurances active.","start":1418.385,"end":1435.03,"sentiment":"neutral","sentiment_score":0.08833372488356474},{"text":"Now with the insurances as well, there was another thing I just saw as well is that your contributions are currently going into hub 24.","start":1436.29,"end":1443.425,"sentiment":"neutral","sentiment_score":0.03240355305373668},{"text":"Now, typically, when we have a retained fund for the purposes of insurances, we'd like contributions going into that fund to keep your insurances active.","start":1444.365,"end":1455.905,"sentiment":"neutral","sentiment_score":0.04241688400506973},{"text":"Because if it's been if it's been sixteen months and there's been no contributions into Mercer Super, they may can cancel the insurances.","start":1456.125,"end":1464.52,"sentiment":"neutral","sentiment_score":-0.08371871013356291}],"sentiment":"neutral","sentiment_score":0.038409718049277786,"num_words":131,"start":1417.985,"end":1464.52},{"sentences":[{"text":"So we don't want that.","start":1464.98,"end":1466.36,"sentiment":"neutral","sentiment_score":-0.1882937490940094},{"text":"We can also complete an opt in form that basically says that you would like to opt in through those insurances and keep them active regardless.","start":1466.58,"end":1474.275,"sentiment":"neutral","sentiment_score":0.060624915604981094},{"text":"I'll have a bit of a review of it because we wanna make sure we keep those insurances there for you.","start":1474.895,"end":1479.875,"sentiment":"neutral","sentiment_score":0.08854986886893},{"text":"But if it is, are are you happy if I do recommend to change contributions up, you know, into MRSA to keep those insurances active?","start":1480.9751,"end":1489.4199,"sentiment":"neutral","sentiment_score":0.06318561911582947},{"text":"It yeah.","start":1490.12,"end":1490.6799,"sentiment":"neutral","sentiment_score":0.10056362301111221}],"sentiment":"neutral","sentiment_score":0.054115114309176614,"num_words":79,"start":1464.98,"end":1490.6799},{"sentences":[{"text":"Okay.","start":1490.6799,"end":1491.1799,"sentiment":"neutral","sentiment_score":0.16005542874336243},{"text":"Yeah.","start":1492.0399,"end":1492.36,"sentiment":"neutral","sentiment_score":0.1734858900308609},{"text":"I'll have a look at that in a bit more in-depth when I do the research for you and then let you know where we should put it, just making sure we keep the insurances active.","start":1492.36,"end":1501.695,"sentiment":"neutral","sentiment_score":0.14942091558542517},{"text":"And we can always do regular rollovers anyway if it's appropriate into hub twenty four if that's what's going to obviously give you the most amount of the growth.","start":1501.695,"end":1510.275,"sentiment":"neutral","sentiment_score":0.12367934194104425},{"text":"Yep.","start":1511.215,"end":1511.715,"sentiment":"neutral","sentiment_score":0.31067609786987305}],"sentiment":"neutral","sentiment_score":0.1413245778530836,"num_words":68,"start":1490.6799,"end":1511.715},{"sentences":[{"text":"But I'll get this sorted for you.","start":1512.4099,"end":1514.59,"sentiment":"positive","sentiment_score":0.3705388179847172},{"text":"Is there any other questions or anything else you might need from me today?","start":1514.97,"end":1518.51,"sentiment":"neutral","sentiment_score":0.22570432829005377},{"text":"No?","start":1519.21,"end":1519.71,"sentiment":"neutral","sentiment_score":-0.030522430315613747},{"text":"No.","start":1520.33,"end":1520.83,"sentiment":"neutral","sentiment_score":0.13542954623699188},{"text":"Yeah.","start":1520.97,"end":1521.47,"sentiment":"neutral","sentiment_score":0.20013783872127533}],"sentiment":"neutral","sentiment_score":0.25244488652485114,"num_words":24,"start":1512.4099,"end":1521.47},{"sentences":[{"text":"No problem.","start":1521.69,"end":1522.4099,"sentiment":"neutral","sentiment_score":0.15753506869077682},{"text":"I will let you get back to your day.","start":1522.4099,"end":1524.165,"sentiment":"neutral","sentiment_score":0.28943467802471584},{"text":"Hopefully, afternoon is not so busy.","start":1524.245,"end":1526.105,"sentiment":"neutral","sentiment_score":0.1608551194270452},{"text":"If there's if there's anything else that you need, don't hesitate to give us a call.","start":1526.7251,"end":1530.7251,"sentiment":"neutral","sentiment_score":0.11365643586032093},{"text":"But, otherwise, I'll give you a call in a couple of weeks and run through all of this.","start":1530.7251,"end":1534.165,"sentiment":"neutral","sentiment_score":0.18612932931217882}],"sentiment":"neutral","sentiment_score":0.17752831093236512,"num_words":51,"start":1521.69,"end":1534.165},{"sentences":[{"text":"And I'll also get the team to email you those beneficiaries so we can get that sorted for you.","start":1534.165,"end":1538.98,"sentiment":"neutral","sentiment_score":0.2534396656249699},{"text":"No problem at all.","start":1540.96,"end":1541.76,"sentiment":"positive","sentiment_score":0.6590508073568344},{"text":"But thank you so much for your time today, and I look forward to speaking with you in a couple of weeks.","start":1541.76,"end":1546.1,"sentiment":"positive","sentiment_score":0.7647648724642667},{"text":"Thanks.","start":1548.0,"end":1548.5,"sentiment":"positive","sentiment_score":0.6855654120445251},{"text":"Bye.","start":1548.6399,"end":1549.0399,"sentiment":"neutral","sentiment_score":0.2775994539260864}],"sentiment":"positive","sentiment_score":0.5370116794997073,"num_words":47,"start":1534.165,"end":1549.0399},{"sentences":[{"text":"Bye.","start":1549.0399,"end":1549.5399,"sentiment":"neutral","sentiment_score":-0.11752516776323318}],"sentiment":"neutral","sentiment_score":-0.11752516776323318,"num_words":1,"start":1549.0399,"end":1549.5399}]}}]},{"alternatives":[{"transcript":"Hello? Shani speaking. Michael Prodica. How are you? That's good. Yes. That's great. Thank you. Yep. That's fine. So it's Shani Hayward, 18 Baylor Avenue, Ringvale, and my date of birth is 10/1980. Been busy. Yeah. Yes. Yeah. Lucky I work from home on a Wednesday, so it's not too bad when I'm at home. But, yeah, still a bit busy. That's okay. Yes. That's right. Yeah. Yes. Yes. Correct. Oh, well, I just need to change them because I had, I think, I had my dad who passed away four weeks ago. So I need to change him as one of my beneficiaries and just update it with a new person that I need to nominate. I think they were gonna send me some forms out for that or wait until I speak with you and then maybe that happens. I'm not sure. Yep. Yeah. Sure. So Elena is my second cousin, but I call her my niece. And Lily is my cousin. And who was the other one that you had? Oh, hey. Hailey is my best friend. And that Douglas is was my dad. Yep. Sorry. I shouldn't say it was you. Yep. I don't know how you talk to them in past tense. Oh, thank you. Thank you. Yeah. He's happy now. He is where he needs to be. So that's fine. Yeah. Right. Mhmm. Okay. Okay. No. None of them. No. Mhmm. Okay. Okay. Yes. Mhmm. I can print I can print them out. Yep. That's no problem. Okay. I do. Yeah. Yeah. Okay. Yeah. Of course. Thank you. Yeah. Yeah. Correct. Mhmm. Yes. Correct. Yes. Yes. I have done it before. I used to pay something along the lines of, I don't know, maybe $10 10 or $20 a fortnight, which I understand is probably not a great deal for it to be sort of worth me doing that way. I'd have to figure out, like, what would be my question is, like, for me to, you know, make it worth my time to salary sacrifice, what would I be looking at would be a good way or what's a good amount that I would need to be salary sacrificing, or is it still okay to do that little bit that I've been doing in the past? Any of that? Okay. Okay. Okay. Mhmm. Mhmm. Okay. Okay. Right. Gotcha. Yeah. Absolutely. Yep. Yep. That's good. Mhmm. Okay. Okay. Okay. Yeah. No. I think if I stick to the, like, you know, $20 even, $20 a week, better than nothing. Yeah. No. I don't think so. Uh-huh. Mhmm. Right. Okay. Yep. I see that. Mhmm. Yes. Mhmm. Okay. Yeah. Sure. Let's do that. Yep. I will probably put $20 a week away because I get paid weekly. So $20 a week is nothing. So that yeah. I'll just get them to do that for me. She did. Yes. Mhmm. Mhmm. Okay. Mhmm. Okay. Sure. No. Okay. Right. Okay. They're right. Okay. Okay. Sure. Yes. Correct. Mhmm. Mhmm. Okay. Sure. Okay. Yep. That'd be perfect. Yes. Yes. I'm happy with it. Yes. Yep. Okay. Mhmm. Yeah. Absolutely. As long as it's gonna work in my benefit, I'm happy for that to keep going. And you guys are looking after my best interest, obviously. That's why I'm tracking in all of that. So yeah. Mhmm. Alright. Okay. Okay. Mhmm. Mhmm. I'm happy I'm happy for that as long as there is, you know, that I am updated, like, we could continue to have our updates. Like, you know, I don't want it I don't want things to be changed and, you know, and I lose everything. As long as it's gonna be something that's gonna be beneficial for me. Yeah. Absolutely. I'm happy for that to happen. Mhmm. Yep. Okay. Okay. Sounds good. Oh, that's fine. No problem. No. Of course not. I know what it's like. I work in an office, so I know what it's like too. Of course. Okay. Sounds good. I don't think so. No. I don't think so. I was a little bit concerned about nothing to do with Super. I was just gonna obviously, I've got the funeral expenses for dad that I still gotta pay. I was I know there's probably not an option in there, but I thought I'd just ask anyway if there's any financial assistance or anything that I can get through people or not really. Right. Okay. Yep. Yep. No. That's okay. I think I think the girls told me about that last time when I inquired about it, obviously, before dad died. But yeah. No. That's fine. Look. I'm fine. I can I'll handle it. I just thought I'd double check and see whether there was anything available. You know, pay all this money into your super need to know whether there's anything, obviously, with that building. So you can retire, but if there is something he can get, then that would be also helpful. But Okay. Yeah. No. Thank you. I I should be fine. I'm pretty sure I'm pretty sure that I will be able to cover it. Sorry. What was that? I don't think so. No. Because he was 87. I think he used his I think he had, like, a life insured policy which he used a a while ago. I don't think he's got any other super policy. Mhmm. Oh, well, I mean, the funeral cost amount of pocket for is $3,052. So it is probably only be, you know, 3,000 just to cover it, like, I think. Yeah. But I think look. I should be able to work out an alternative. So it's no problem. But yeah. Yeah. I wouldn't stress too much. I won't worry too much about that. I just thought I'd ask the question. Oh, no. No. No. Keep it. No. That's fine. I'll speak to them about it on tomorrow when I'm back in the office and start to get the ball rolling with that. Okay. Okay. Yes. Mhmm. Yes. Okay. Yes. Yes. Okay. Yep. Okay. Okay. Yes. Yes. Yes. Yep. That's fine. Yep. Mhmm. Okay. Perfect. Yep. No. I think that's everything. We covered it all. Thank you so much. Thank you. Okay. Sounds great. Thank you. Thank you, and you too. 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Shani speaking. Michael Prodica. How are you? That's good.\n\nYes. That's great. Thank you. Yep. That's fine.\n\nSo it's Shani Hayward, 18 Baylor Avenue, Ringvale, and my date of birth is 10/1980. Been busy. Yeah. Yes. Yeah.\n\nLucky I work from home on a Wednesday, so it's not too bad when I'm at home. But, yeah, still a bit busy. That's okay. Yes. That's right.\n\nYeah. Yes. Yes. Correct. Oh, well, I just need to change them because I had, I think, I had my dad who passed away four weeks ago.\n\nSo I need to change him as one of my beneficiaries and just update it with a new person that I need to nominate. I think they were gonna send me some forms out for that or wait until I speak with you and then maybe that happens. I'm not sure. Yep. Yeah.\n\nSure. So Elena is my second cousin, but I call her my niece. And Lily is my cousin. And who was the other one that you had? Oh, hey.\n\nHailey is my best friend. And that Douglas is was my dad. Yep. Sorry. I shouldn't say it was you.\n\nYep. I don't know how you talk to them in past tense. Oh, thank you. Thank you. Yeah.\n\nHe's happy now. He is where he needs to be. So that's fine. Yeah. Right.\n\nMhmm. Okay. Okay. No. None of them.\n\nNo. Mhmm. Okay. Okay. Yes.\n\nMhmm. I can print I can print them out. Yep. That's no problem. Okay.\n\nI do. Yeah. Yeah. Okay. Yeah.\n\nOf course. Thank you. Yeah. Yeah. Correct.\n\nMhmm. Yes. Correct. Yes. Yes.\n\nI have done it before. I used to pay something along the lines of, I don't know, maybe $10 10 or $20 a fortnight, which I understand is probably not a great deal for it to be sort of worth me doing that way. I'd have to figure out, like, what would be my question is, like, for me to, you know, make it worth my time to salary sacrifice, what would I be looking at would be a good way or what's a good amount that I would need to be salary sacrificing, or is it still okay to do that little bit that I've been doing in the past? Any of that? Okay.\n\nOkay. Okay. Mhmm. Mhmm. Okay.\n\nOkay. Right. Gotcha. Yeah. Absolutely.\n\nYep. Yep. That's good. Mhmm. Okay.\n\nOkay. Okay. Yeah. No. I think if I stick to the, like, you know, $20 even, $20 a week, better than nothing.\n\nYeah. No. I don't think so. Uh-huh. Mhmm.\n\nRight. Okay. Yep. I see that. Mhmm.\n\nYes. Mhmm. Okay. Yeah. Sure.\n\nLet's do that. Yep. I will probably put $20 a week away because I get paid weekly. So $20 a week is nothing. So that yeah.\n\nI'll just get them to do that for me. She did. Yes. Mhmm. Mhmm.\n\nOkay. Mhmm. Okay. Sure. No.\n\nOkay. Right. Okay. They're right. Okay.\n\nOkay. Sure. Yes. Correct. Mhmm.\n\nMhmm. Okay. Sure. Okay. Yep.\n\nThat'd be perfect. Yes. Yes. I'm happy with it. Yes.\n\nYep. Okay. Mhmm. Yeah. Absolutely.\n\nAs long as it's gonna work in my benefit, I'm happy for that to keep going. And you guys are looking after my best interest, obviously. That's why I'm tracking in all of that. So yeah. Mhmm.\n\nAlright. Okay. Okay. Mhmm. Mhmm.\n\nI'm happy I'm happy for that as long as there is, you know, that I am updated, like, we could continue to have our updates. Like, you know, I don't want it I don't want things to be changed and, you know, and I lose everything. As long as it's gonna be something that's gonna be beneficial for me. Yeah. Absolutely.\n\nI'm happy for that to happen. Mhmm. Yep. Okay. Okay.\n\nSounds good. Oh, that's fine. No problem. No. Of course not.\n\nI know what it's like. I work in an office, so I know what it's like too. Of course. Okay. Sounds good.\n\nI don't think so. No. I don't think so. I was a little bit concerned about nothing to do with Super. I was just gonna obviously, I've got the funeral expenses for dad that I still gotta pay.\n\nI was I know there's probably not an option in there, but I thought I'd just ask anyway if there's any financial assistance or anything that I can get through people or not really. Right. Okay. Yep. Yep.\n\nNo. That's okay. I think I think the girls told me about that last time when I inquired about it, obviously, before dad died. But yeah. No.\n\nThat's fine. Look. I'm fine. I can I'll handle it. I just thought I'd double check and see whether there was anything available.\n\nYou know, pay all this money into your super need to know whether there's anything, obviously, with that building. So you can retire, but if there is something he can get, then that would be also helpful. But Okay. Yeah. No.\n\nThank you. I I should be fine. I'm pretty sure I'm pretty sure that I will be able to cover it. Sorry. What was that?\n\nI don't think so. No. Because he was 87. I think he used his I think he had, like, a life insured policy which he used a a while ago. I don't think he's got any other super policy.\n\nMhmm. Oh, well, I mean, the funeral cost amount of pocket for is $3,052. So it is probably only be, you know, 3,000 just to cover it, like, I think. Yeah. But I think look.\n\nI should be able to work out an alternative. So it's no problem. But yeah. Yeah. I wouldn't stress too much.\n\nI won't worry too much about that. I just thought I'd ask the question. Oh, no. No. No.\n\nKeep it. No. That's fine. I'll speak to them about it on tomorrow when I'm back in the office and start to get the ball rolling with that. Okay.\n\nOkay. Yes. Mhmm. Yes. Okay.\n\nYes. Yes. Okay. Yep. Okay.\n\nOkay. Yes. Yes. Yes. Yep.\n\nThat's fine. Yep. Mhmm. Okay. Perfect.\n\nYep. No. I think that's everything. We covered it all. Thank you so much.\n\nThank you. Okay. Sounds great. Thank you. Thank you, and you too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.018356220796704292},{"text":"Shani speaking.","start":1.8399999,"end":2.74,"sentiment":"neutral","sentiment_score":0.039563797414302826},{"text":"Michael Prodica.","start":7.2799997,"end":8.16,"sentiment":"neutral","sentiment_score":0.07526395097374916},{"text":"How are you?","start":8.16,"end":8.98,"sentiment":"neutral","sentiment_score":0.10039251049359639},{"text":"That's good.","start":10.96,"end":11.78,"sentiment":"positive","sentiment_score":0.588983029127121}],"sentiment":"neutral","sentiment_score":0.17271553073078394,"num_words":10,"start":1.1999999,"end":11.78},{"sentences":[{"text":"Yes.","start":15.935,"end":16.255001,"sentiment":"positive","sentiment_score":0.36827391386032104},{"text":"That's great.","start":16.255001,"end":16.815,"sentiment":"positive","sentiment_score":0.5425443351268768},{"text":"Thank 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yeah.","start":923.91504,"end":924.97504,"sentiment":"neutral","sentiment_score":0.1249728836119175},{"text":"Mhmm.","start":952.14496,"end":952.64496,"sentiment":"neutral","sentiment_score":-0.022868923842906952}],"sentiment":"neutral","sentiment_score":0.3289445209744814,"num_words":37,"start":913.35504,"end":952.64496},{"sentences":[{"text":"Alright.","start":952.98,"end":953.48,"sentiment":"neutral","sentiment_score":0.08784626424312592},{"text":"Okay.","start":959.6925,"end":960.1925,"sentiment":"neutral","sentiment_score":0.020085468888282776},{"text":"Okay.","start":984.22003,"end":984.72003,"sentiment":"neutral","sentiment_score":0.06336784362792969},{"text":"Mhmm.","start":1008.425,"end":1008.925,"sentiment":"neutral","sentiment_score":0.06844596564769745},{"text":"Mhmm.","start":1035.3049,"end":1035.8049,"sentiment":"neutral","sentiment_score":0.008210274390876293}],"sentiment":"neutral","sentiment_score":0.04959116335958243,"num_words":5,"start":952.98,"end":1035.8049},{"sentences":[{"text":"I'm happy I'm happy for that as long as there is, you know, that I am updated, like, we could continue to have our updates.","start":1064.515,"end":1074.14,"sentiment":"neutral","sentiment_score":0.1472957457602024},{"text":"Like, you know, I don't want it I don't want things to be changed and, you know, and I lose everything.","start":1074.14,"end":1080.94,"sentiment":"neutral","sentiment_score":-0.1888343058526516},{"text":"As long as it's gonna be something that's gonna be beneficial for me.","start":1080.94,"end":1084.06,"sentiment":"neutral","sentiment_score":-0.06294662075547072},{"text":"Yeah.","start":1084.06,"end":1084.38,"sentiment":"neutral","sentiment_score":0.11867688596248628},{"text":"Absolutely.","start":1084.38,"end":1084.88,"sentiment":"positive","sentiment_score":0.3521326184272766}],"sentiment":"neutral","sentiment_score":-0.010338087611999667,"num_words":61,"start":1064.515,"end":1084.88},{"sentences":[{"text":"I'm happy for that to happen.","start":1085.145,"end":1086.765,"sentiment":"positive","sentiment_score":0.5901604195435842},{"text":"Mhmm.","start":1096.505,"end":1097.005,"sentiment":"neutral","sentiment_score":0.047758232802152634},{"text":"Yep.","start":1108.96,"end":1109.28,"sentiment":"neutral","sentiment_score":0.1468878835439682},{"text":"Okay.","start":1109.28,"end":1109.78,"sentiment":"neutral","sentiment_score":0.18688029050827024},{"text":"Okay.","start":1116.775,"end":1117.255,"sentiment":"neutral","sentiment_score":0.14821168780326843}],"sentiment":"positive","sentiment_score":0.40707006119191647,"num_words":10,"start":1085.145,"end":1117.255},{"sentences":[{"text":"Sounds good.","start":1117.255,"end":1117.995,"sentiment":"positive","sentiment_score":0.435658797621727},{"text":"Oh, that's fine.","start":1122.135,"end":1123.195,"sentiment":"neutral","sentiment_score":0.25368358691533405},{"text":"No problem.","start":1125.335,"end":1126.075,"sentiment":"neutral","sentiment_score":0.07212299667298794},{"text":"No.","start":1128.51,"end":1128.75,"sentiment":"neutral","sentiment_score":-0.08089160174131393},{"text":"Of course not.","start":1128.75,"end":1129.65,"sentiment":"neutral","sentiment_score":-0.051288475592931114}],"sentiment":"neutral","sentiment_score":0.1401688473468477,"num_words":11,"start":1117.255,"end":1129.65},{"sentences":[{"text":"I know what it's like.","start":1129.87,"end":1130.8301,"sentiment":"neutral","sentiment_score":-0.05571459382772446},{"text":"I work in an office, so I know what it's like too.","start":1130.8301,"end":1133.3301,"sentiment":"neutral","sentiment_score":-0.010987467287729183},{"text":"Of course.","start":1140.99,"end":1141.5701,"sentiment":"neutral","sentiment_score":0.08231185376644135},{"text":"Okay.","start":1148.435,"end":1148.935,"sentiment":"neutral","sentiment_score":0.2800671458244324},{"text":"Sounds good.","start":1149.0751,"end":1149.8151,"sentiment":"positive","sentiment_score":0.39890338480472565}],"sentiment":"neutral","sentiment_score":0.03782159301706336,"num_words":22,"start":1129.87,"end":1149.8151},{"sentences":[{"text":"I don't think so.","start":1155.3151,"end":1156.8551,"sentiment":"neutral","sentiment_score":-0.10595004633069038},{"text":"No.","start":1161.25,"end":1161.4901,"sentiment":"neutral","sentiment_score":-0.1509322226047516},{"text":"I don't think so.","start":1161.4901,"end":1162.29,"sentiment":"neutral","sentiment_score":-0.1495303027331829},{"text":"I was a little bit concerned about nothing to do with Super.","start":1162.29,"end":1167.5701,"sentiment":"neutral","sentiment_score":-0.23604870587587357},{"text":"I was just gonna obviously, I've got the funeral expenses for dad that I still gotta pay.","start":1167.5701,"end":1174.7251,"sentiment":"neutral","sentiment_score":-0.13973979739581838}],"sentiment":"neutral","sentiment_score":-0.16792143802893789,"num_words":38,"start":1155.3151,"end":1174.7251},{"sentences":[{"text":"I was I know there's probably not an option in there, but I thought I'd just ask anyway if there's any financial assistance or anything that I can get through people or not really.","start":1174.7251,"end":1186.185,"sentiment":"neutral","sentiment_score":-0.11711376226123642},{"text":"Right.","start":1193.91,"end":1194.41,"sentiment":"neutral","sentiment_score":-0.057972755283117294},{"text":"Okay.","start":1207.4551,"end":1207.9551,"sentiment":"neutral","sentiment_score":-0.0077463602647185326},{"text":"Yep.","start":1209.4551,"end":1209.9551,"sentiment":"neutral","sentiment_score":-0.03648298606276512},{"text":"Yep.","start":1214.38,"end":1214.78,"sentiment":"neutral","sentiment_score":-0.011888797394931316}],"sentiment":"neutral","sentiment_score":-0.10778838989177816,"num_words":38,"start":1174.7251,"end":1214.78},{"sentences":[{"text":"No.","start":1214.78,"end":1214.9401,"sentiment":"neutral","sentiment_score":-0.04514642059803009},{"text":"That's okay.","start":1214.9401,"end":1215.5,"sentiment":"neutral","sentiment_score":0.008976818528026342},{"text":"I think I think the girls told me about that last time when I inquired about it, obviously, before dad died.","start":1215.5,"end":1221.98,"sentiment":"neutral","sentiment_score":-0.018247024222676243},{"text":"But yeah.","start":1221.98,"end":1223.26,"sentiment":"neutral","sentiment_score":-0.008168649859726429},{"text":"No.","start":1223.26,"end":1223.42,"sentiment":"neutral","sentiment_score":-0.024807188659906387}],"sentiment":"neutral","sentiment_score":-0.016723140022131027,"num_words":27,"start":1214.78,"end":1223.42},{"sentences":[{"text":"That's fine.","start":1223.42,"end":1224.24,"sentiment":"neutral","sentiment_score":0.07523985207080841},{"text":"Look.","start":1225.095,"end":1225.415,"sentiment":"neutral","sentiment_score":0.16289865970611572},{"text":"I'm fine.","start":1225.415,"end":1225.975,"sentiment":"neutral","sentiment_score":0.2670873999595642},{"text":"I can I'll handle it.","start":1225.975,"end":1227.255,"sentiment":"neutral","sentiment_score":0.13830149546265602},{"text":"I just thought I'd double check and see whether there was anything available.","start":1227.255,"end":1231.4349,"sentiment":"neutral","sentiment_score":0.0258744045232351}],"sentiment":"neutral","sentiment_score":0.08154034347313902,"num_words":23,"start":1223.42,"end":1231.4349},{"sentences":[{"text":"You know, pay all this money into your super need to know whether there's anything, obviously, with that building.","start":1232.215,"end":1237.895,"sentiment":"neutral","sentiment_score":-0.003800723995817335},{"text":"So you can retire, but if there is something he can get, then that would be also helpful.","start":1237.895,"end":1243.0499,"sentiment":"neutral","sentiment_score":0.029557599168684747},{"text":"But Okay.","start":1243.0499,"end":1266.05,"sentiment":"neutral","sentiment_score":0.005410774610936642},{"text":"Yeah.","start":1266.05,"end":1266.37,"sentiment":"neutral","sentiment_score":-0.004687106236815453},{"text":"No.","start":1266.37,"end":1266.53,"sentiment":"neutral","sentiment_score":-0.016017839312553406}],"sentiment":"neutral","sentiment_score":0.0109741373850805,"num_words":41,"start":1232.215,"end":1266.53},{"sentences":[{"text":"Thank you.","start":1266.53,"end":1267.25,"sentiment":"neutral","sentiment_score":0.13172469660639763},{"text":"I I should be fine.","start":1267.25,"end":1268.69,"sentiment":"neutral","sentiment_score":0.2205123335123062},{"text":"I'm pretty sure I'm pretty sure that I will be able to cover it.","start":1268.69,"end":1277.51,"sentiment":"neutral","sentiment_score":0.14499888835208757},{"text":"Sorry.","start":1291.235,"end":1291.475,"sentiment":"neutral","sentiment_score":-0.09029826521873474},{"text":"What was that?","start":1291.475,"end":1292.2949,"sentiment":"neutral","sentiment_score":-0.09144257505734761}],"sentiment":"neutral","sentiment_score":0.12125478029251098,"num_words":25,"start":1266.53,"end":1292.2949},{"sentences":[{"text":"I don't think so.","start":1300.33,"end":1301.29,"sentiment":"neutral","sentiment_score":-0.1506213527172804},{"text":"No.","start":1301.29,"end":1301.53,"sentiment":"neutral","sentiment_score":-0.13091625273227692},{"text":"Because he was 87.","start":1301.53,"end":1303.29,"sentiment":"neutral","sentiment_score":-0.08887593075633049},{"text":"I think he used his I think he had, like, a life insured policy which he used a a while ago.","start":1303.29,"end":1310.8251,"sentiment":"neutral","sentiment_score":-0.0563253742598352},{"text":"I don't think he's got any other super policy.","start":1311.4451,"end":1313.625,"sentiment":"negative","sentiment_score":-0.3727143241299523}],"sentiment":"neutral","sentiment_score":-0.14426069649366233,"num_words":39,"start":1300.33,"end":1313.625},{"sentences":[{"text":"Mhmm.","start":1322.805,"end":1323.305,"sentiment":"neutral","sentiment_score":-0.032197028398513794},{"text":"Oh, well, I mean, the funeral cost amount of pocket for is $3,052.","start":1332.54,"end":1338.3,"sentiment":"neutral","sentiment_score":-0.07145701406093743},{"text":"So it is probably only be, you know, 3,000 just to cover it, like, I think.","start":1338.3,"end":1344.625,"sentiment":"neutral","sentiment_score":-0.06751335237640887},{"text":"Yeah.","start":1347.5651,"end":1348.0651,"sentiment":"neutral","sentiment_score":0.048146311193704605},{"text":"But I think look.","start":1348.685,"end":1350.145,"sentiment":"neutral","sentiment_score":0.057001544162631035}],"sentiment":"neutral","sentiment_score":-0.05043426746768611,"num_words":35,"start":1322.805,"end":1350.145},{"sentences":[{"text":"I should be able to work out an alternative.","start":1350.445,"end":1352.705,"sentiment":"neutral","sentiment_score":0.15213854528135723},{"text":"So it's no problem.","start":1352.765,"end":1353.885,"sentiment":"neutral","sentiment_score":0.18768196180462837},{"text":"But yeah.","start":1353.885,"end":1354.68,"sentiment":"neutral","sentiment_score":0.12979339808225632},{"text":"Yeah.","start":1355.56,"end":1355.8,"sentiment":"neutral","sentiment_score":0.1573021411895752},{"text":"I wouldn't stress too much.","start":1355.8,"end":1357.2401,"sentiment":"neutral","sentiment_score":0.21661223471164703}],"sentiment":"neutral","sentiment_score":0.1723773745553834,"num_words":21,"start":1350.445,"end":1357.2401},{"sentences":[{"text":"I won't worry too much about that.","start":1357.2401,"end":1359.16,"sentiment":"neutral","sentiment_score":0.10811528137751988},{"text":"I just thought I'd ask the question.","start":1359.16,"end":1360.78,"sentiment":"neutral","sentiment_score":0.053946352430752346},{"text":"Oh, no.","start":1376.375,"end":1376.8551,"sentiment":"neutral","sentiment_score":-0.17116554826498032},{"text":"No.","start":1376.8551,"end":1377.0951,"sentiment":"neutral","sentiment_score":-0.24724602699279785},{"text":"No.","start":1377.0951,"end":1377.3351,"sentiment":"neutral","sentiment_score":-0.23585334420204165}],"sentiment":"neutral","sentiment_score":0.017166720496283636,"num_words":18,"start":1357.2401,"end":1377.3351},{"sentences":[{"text":"Keep it.","start":1377.3351,"end":1377.8151,"sentiment":"neutral","sentiment_score":-0.1680820807814598},{"text":"No.","start":1377.8151,"end":1378.135,"sentiment":"neutral","sentiment_score":-0.12307773530483246},{"text":"That's fine.","start":1378.135,"end":1378.9551,"sentiment":"neutral","sentiment_score":0.11449863016605377},{"text":"I'll speak to them about it on tomorrow when I'm back in the office and start to get the ball rolling with that.","start":1379.015,"end":1385.73,"sentiment":"neutral","sentiment_score":0.1193831135397372},{"text":"Okay.","start":1390.99,"end":1391.49,"sentiment":"neutral","sentiment_score":0.15926453471183777}],"sentiment":"neutral","sentiment_score":0.09223556929621203,"num_words":29,"start":1377.3351,"end":1391.49},{"sentences":[{"text":"Okay.","start":1399.5751,"end":1400.0751,"sentiment":"neutral","sentiment_score":0.104112446308136},{"text":"Yes.","start":1407.015,"end":1407.515,"sentiment":"neutral","sentiment_score":0.17580950260162354},{"text":"Mhmm.","start":1417.61,"end":1418.11,"sentiment":"neutral","sentiment_score":0.06903240084648132},{"text":"Yes.","start":1431.235,"end":1431.475,"sentiment":"neutral","sentiment_score":0.04168324917554855},{"text":"Okay.","start":1431.475,"end":1431.975,"sentiment":"neutral","sentiment_score":0.07322564721107483}],"sentiment":"neutral","sentiment_score":0.09277264922857284,"num_words":5,"start":1399.5751,"end":1431.975},{"sentences":[{"text":"Yes.","start":1435.5549,"end":1436.0549,"sentiment":"neutral","sentiment_score":0.07836994528770447},{"text":"Yes.","start":1444.01,"end":1444.51,"sentiment":"neutral","sentiment_score":0.045961491763591766},{"text":"Okay.","start":1456.325,"end":1456.825,"sentiment":"neutral","sentiment_score":-0.008329994045197964},{"text":"Yep.","start":1462.725,"end":1463.225,"sentiment":"neutral","sentiment_score":-0.07195547223091125},{"text":"Okay.","start":1474.6799,"end":1474.92,"sentiment":"neutral","sentiment_score":0.0554385781288147}],"sentiment":"neutral","sentiment_score":0.019896909780800342,"num_words":5,"start":1435.5549,"end":1474.92},{"sentences":[{"text":"Okay.","start":1474.92,"end":1475.42,"sentiment":"neutral","sentiment_score":0.055793359875679016},{"text":"Yes.","start":1489.1449,"end":1489.625,"sentiment":"neutral","sentiment_score":0.06248777359724045},{"text":"Yes.","start":1489.625,"end":1489.945,"sentiment":"neutral","sentiment_score":0.0704324021935463},{"text":"Yes.","start":1489.945,"end":1490.445,"sentiment":"neutral","sentiment_score":0.08949137479066849},{"text":"Yep.","start":1490.505,"end":1490.825,"sentiment":"neutral","sentiment_score":0.1252607703208923}],"sentiment":"neutral","sentiment_score":0.08069313615560532,"num_words":5,"start":1474.92,"end":1490.825},{"sentences":[{"text":"That's fine.","start":1490.825,"end":1491.625,"sentiment":"neutral","sentiment_score":0.23273448646068573},{"text":"Yep.","start":1491.625,"end":1492.125,"sentiment":"neutral","sentiment_score":0.17904536426067352},{"text":"Mhmm.","start":1502.56,"end":1503.06,"sentiment":"neutral","sentiment_score":0.09226261079311372},{"text":"Okay.","start":1510.6649,"end":1511.065,"sentiment":"neutral","sentiment_score":0.2753041386604309},{"text":"Perfect.","start":1511.065,"end":1511.565,"sentiment":"positive","sentiment_score":0.47334471344947815}],"sentiment":"neutral","sentiment_score":0.24757096668084463,"num_words":6,"start":1490.825,"end":1511.565},{"sentences":[{"text":"Yep.","start":1511.625,"end":1512.125,"sentiment":"positive","sentiment_score":0.3546368479728699},{"text":"No.","start":1518.265,"end":1518.425,"sentiment":"neutral","sentiment_score":-0.025227701291441917},{"text":"I think that's everything.","start":1518.425,"end":1519.5449,"sentiment":"neutral","sentiment_score":-0.038779476657509804},{"text":"We covered it all.","start":1519.5449,"end":1520.345,"sentiment":"neutral","sentiment_score":0.03999881446361542},{"text":"Thank you so much.","start":1520.345,"end":1521.4049,"sentiment":"positive","sentiment_score":0.4036494418978691}],"sentiment":"neutral","sentiment_score":0.13920601896409476,"num_words":14,"start":1511.625,"end":1521.4049},{"sentences":[{"text":"Thank you.","start":1527.18,"end":1528.0,"sentiment":"neutral","sentiment_score":0.16351158916950226},{"text":"Okay.","start":1538.8151,"end":1539.295,"sentiment":"positive","sentiment_score":0.49087393283843994},{"text":"Sounds great.","start":1539.295,"end":1539.935,"sentiment":"positive","sentiment_score":0.8177926242351532},{"text":"Thank you.","start":1539.935,"end":1540.755,"sentiment":"positive","sentiment_score":0.7729152143001556},{"text":"Thank you, and you too.","start":1546.175,"end":1547.635,"sentiment":"positive","sentiment_score":0.765064287185669}],"sentiment":"positive","sentiment_score":0.6520528520147005,"num_words":12,"start":1527.18,"end":1547.635},{"sentences":[{"text":"Bye.","start":1548.175,"end":1548.675,"sentiment":"positive","sentiment_score":0.3839595317840576}],"sentiment":"positive","sentiment_score":0.3839595317840576,"num_words":1,"start":1548.175,"end":1548.675}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Shani speaking.\n\nChannel 0: Good afternoon. This is Veronica from Oktoof Financial. How are you?\n\nChannel 1: Michael Prodica. How are you?\n\nChannel 0: Yeah. I'm good. Thanks.\n\nChannel 1: That's good.\n\nChannel 0: I had you booked in for a bit of a catch up. Is now still a good\n\nChannel 1: Yes. That's\n\nChannel 0: time\n\nChannel 1: great.\n\nChannel 0: for you?\n\nChannel 1: Thank\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yep. That's\n\nChannel 0: Yeah. Perfect. And just to confirm I am speaking with the right person, could you\n\nChannel 1: fine.\n\nChannel 0: just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: So it's Shani Hayward, 18 Baylor Avenue, Ringvale, and my date of birth is 10/1980.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. How's your day been so far? I've been busy.\n\nChannel 1: Been busy. Yeah.\n\nChannel 0: Well,\n\nChannel 1: Yes. Yeah. Lucky\n\nChannel 0: I\n\nChannel 1: I\n\nChannel 0: will\n\nChannel 1: work from\n\nChannel 0: try\n\nChannel 1: home on a Wednesday, so it's not too bad when I'm at\n\nChannel 0: oh,\n\nChannel 1: home.\n\nChannel 0: that's\n\nChannel 1: But, yeah, still a\n\nChannel 0: that's\n\nChannel 1: bit\n\nChannel 0: good. Yeah. Well, I will try not to keep you for too long.\n\nChannel 1: busy. That's okay.\n\nChannel 0: But, essentially, I had you booked because you did your annual review with my colleague a little while ago and had a couple of questions through that you wanted to go through in a bit more detail. Is that right?\n\nChannel 1: Yes. That's right. Yeah.\n\nChannel 0: Yeah. And I can here see here that one of the things was in regards to your beneficiaries and how your, like, your nominations and stuff like\n\nChannel 1: Yes.\n\nChannel 0: that.\n\nChannel 1: Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Correct.\n\nChannel 0: What was it, I guess, in regards to how you wanna structure them? Or\n\nChannel 1: Oh, well, I just need to change them because I had, I think, I had my dad who passed away four weeks ago. So I need to change him as one of my beneficiaries and just update it with a new person that I need to nominate. I think they were gonna send me some forms out for that\n\nChannel 0: Okay.\n\nChannel 1: or wait until I speak with you and then maybe that happens. I'm not sure.\n\nChannel 0: Yeah. I can definitely follow-up and make sure we get those sent out. And with the nominations, I did wanted to check with you because, at the moment, we have four. So you have, Alana, Douglas, Haley, and Lee. Now they've all been nominated as other\n\nChannel 1: Yep.\n\nChannel 0: dependent. So can I ask their relationship to you?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yeah.\n\nChannel 1: So Elena is my second cousin, but I call her my niece.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: Lily is my cousin. And who was the other one that you had?\n\nChannel 0: Hailey and Douglas.\n\nChannel 1: Oh, hey. Hailey is my best friend.\n\nChannel 0: Oh, yeah.\n\nChannel 1: And that Douglas is was my dad. Yep.\n\nChannel 0: Okay. Yep.\n\nChannel 1: Sorry. I shouldn't\n\nChannel 0: Now\n\nChannel 1: say it was you. Yep.\n\nChannel 0: yeah.\n\nChannel 1: I don't\n\nChannel 0: No.\n\nChannel 1: know how you talk to them in past tense.\n\nChannel 0: Yeah. Yeah. And I I am very sorry to hear about your loss as\n\nChannel 1: Oh, thank\n\nChannel 0: well.\n\nChannel 1: you. Thank you. Yeah. He's happy now. He is where he needs to be.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: that's fine.\n\nChannel 0: That's right. That that's that's the attitude to have. Now with your with your beneficiaries, so\n\nChannel 1: Yeah.\n\nChannel 0: I'm not sure if anyone has gone through it with you, but they are quite strict on who you can actually nominate directly through your superannuation.\n\nChannel 1: Right.\n\nChannel 0: So because there are a lot of lot of legislation on a valid nomination because of the state act. So\n\nChannel 1: Mhmm.\n\nChannel 0: the only people that you can nominate\n\nChannel 1: Okay.\n\nChannel 0: you at the time of your passing. You need you need to have a very close personal relationship while living together, and you need to provide financial, domestic, or personal care support.\n\nChannel 1: Okay.\n\nChannel 0: So would any of your cousins or your best friend fall into that category\n\nChannel 1: No.\n\nChannel 0: of\n\nChannel 1: None of them. No.\n\nChannel 0: So the way that we would have to change it, so you can still very much give it to them. It\n\nChannel 1: Mhmm.\n\nChannel 0: would just have to structure it slightly different. So the way that we would have to do it is that on your forms, we would nominate 100% through a legal personal representative. Essentially, it is a fancy word saying that it reverts to your will. And then\n\nChannel 1: Okay.\n\nChannel 0: in your will, you can nominate whoever you want as long as they're live in person. You can, yeah, nominate whoever you want. And if anything ever changes, you will just have to update your will, and the beneficiary on your super would stay intact because it just says in reverse through the\n\nChannel 1: Okay.\n\nChannel 0: will. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. So it is a bit tricky. You can still very much give it to them. We would just have to change it to make sure it's valid because the way that they are now, if something were to happen to you tomorrow, the superannuation trustee would just seems the current nomination invalid. We don't want that.\n\nWe wanna make sure that if something were to happen to you, they actually go to your best friend and your cousin. So I'll definitely get the team to resend them through you so we can get that sorted as soon as possible.\n\nChannel 1: Mhmm.\n\nChannel 0: Now do you have access to a printer, or is post the best for you?\n\nChannel 1: I can print I can print them out.\n\nChannel 0: Yep?\n\nChannel 1: Yep. That's\n\nChannel 0: Okay.\n\nChannel 1: no problem.\n\nChannel 0: Because I'll get the team to email it to you then if you're happy to do so. They just have to be printed and wet signed because you are making a legal nomination.\n\nChannel 1: Okay.\n\nChannel 0: And I can get a pre filled if you would like just through the legal personal representative. And then, yeah, you would just have to get a a will sorted as well. Do you currently have a will in place?\n\nChannel 1: I do. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. So, yeah, I would just obviously suggest either updating that yourself or obviously speak to your lawyer if you did it that way and just include how you want that nomination broken down. But I'll get that emailed for you to make sure we we do get that updated because it is very important.\n\nChannel 1: Okay. Yeah. Of course. Thank you.\n\nChannel 0: Perhaps I'm glad\n\nChannel 1: Yeah.\n\nChannel 0: you brought it up very much. Sorry. Now the other thing I had here was that you were interested in maybe doing some salary sacrifice.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Now at the moment, I have here your income at about 87,000.\n\nChannel 1: Yes. Correct.\n\nChannel 0: Yep. Perfect. And your employer, they just pay you that standard 12% contribution going into Superannuation. Great.\n\nChannel 1: Yes.\n\nChannel 0: Perfect.\n\nChannel 1: Yes.\n\nChannel 0: Now do you have any amounts in mind that you would like to salary sacrifice? Do you kind of understand how it all works? Have you done it before?\n\nChannel 1: I have done it before. I used\n\nChannel 0: Yep.\n\nChannel 1: to pay something along the lines of, I don't know, maybe $10 10 or $20 a fortnight,\n\nChannel 0: Yep.\n\nChannel 1: which I understand is probably not a great deal for it to be sort of worth me doing that way. I'd have to figure out, like, what would be my question is, like, for me to, you know, make it worth my time to salary sacrifice, what would I be looking at would be a good way or what's a good amount that I would need to be salary sacrificing, or is it still okay to do that little bit that I've been doing in the past?\n\nChannel 0: Yeah. And that's a very good question. And very much so it is still good to do any amount because\n\nChannel 1: Any\n\nChannel 0: how\n\nChannel 1: of that?\n\nChannel 0: it\n\nChannel 1: Okay.\n\nChannel 0: works yeah. Because, basically, how it works is that, obviously, the more you put in, the more it's gonna compound, the more you're gonna save in tax, and the more you're still going to grow. But it also\n\nChannel 1: Okay.\n\nChannel 0: comes down to, well, how much can you actually forego of your take home pay? Because the biggest thing is that, obviously, by salary sacrificing, it comes pretax, which is what makes it so effective, but also is then locked into superannuation until you meet a condition of relief. So for example, you know,\n\nChannel 1: Okay.\n\nChannel 0: turning 60 and retiring or 65 and still working. So that is the biggest thing of obviously making sure that you have enough surplus each week to be able to forego it. So that is typically where where we would start of being like,\n\nChannel 1: Mhmm.\n\nChannel 0: okay. Well, can you forgo, you know, $20 a fortnight? Would that still, you know, make sure you have enough money left over and stuff like that? And then if\n\nChannel 1: Mhmm.\n\nChannel 0: you're, like, I can, you know, do the calculations for you. And then because how it works is contributions going into superannuation is taxed at 15%. So it is a lot cheaper, 15. And your income is 87, then your marginal tax rate is at 30% plus the medical levy. So\n\nChannel 1: Okay.\n\nChannel 0: even by doing, you know, $20 a fortnight, you will still save on it because you're not paying the full 30% tax. It's only 15 going into the, and it comes out before you have to pay tax, which reduces your taxable income.\n\nChannel 1: Okay. Right. Gotcha.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yep. That's good.\n\nChannel 0: Yeah. And the the only thing that is kind of good to keep on be mindful of when it comes\n\nChannel 1: Mhmm.\n\nChannel 0: to inbound is that we don't ideally wanna go over the concessional contribution cap if the purpose is to over receive a boost super and through at the tax effective rate.\n\nChannel 1: Okay.\n\nChannel 0: Now currently, the concessional contribution cap for each financial year is 30,000. That\n\nChannel 1: Okay.\n\nChannel 0: does include your contributions from your employer. So at the moment, you get about $10,440 from your employer, so you do have plenty of space left if you do wanna put in more.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: No. I think if I stick to the, like, you know, $20 even, $20 a week,\n\nChannel 0: It makes\n\nChannel 1: better\n\nChannel 0: a difference.\n\nChannel 1: than nothing. Yeah.\n\nChannel 0: Exactly. Now have you ever used pay calculator before?\n\nChannel 1: No. I don't think so.\n\nChannel 0: No. So it's just a website, paycalculator.com.au.\n\nChannel 1: Uh-huh.\n\nChannel 0: And I think it's really good, especially if you're trying to work out, well, how much can I salary sacrifice more so from how much is that going in impact my pay comp pay? Is that on the\n\nChannel 1: Mhmm.\n\nChannel 0: website, you can put your salary. It tells you your after tax income, and then you can actually put different salary sacrifice contribution amount. And you can change it weekly, annually, fortnightly, And you can kind of have a play around with the different amounts, and it will tell you how much you save in tax. It will then tell you what your pay will be, and then it will also tell you how much extra you put into super. So it\n\nChannel 1: Right.\n\nChannel 0: is\n\nChannel 1: Okay.\n\nChannel 0: a really good kind of tool to kind of get started on it.\n\nChannel 1: Yep. I see that. Mhmm.\n\nChannel 0: But but what I can also do because we do also have here that we wanna review your superannuation portfolio a little bit. So\n\nChannel 1: Yes.\n\nChannel 0: part of part of the review, if you would like me to if you tell me, you know, I'm happy to put in $20 a week or $20 a fortnight, if you think that's okay savings point of view, I can\n\nChannel 1: Mhmm.\n\nChannel 0: always put this put the recommendation in a strategy paper for you and show you exactly what that would look like if you would like.\n\nChannel 1: Okay. Yeah. Sure. Let's\n\nChannel 0: Yep.\n\nChannel 1: do that. Yep.\n\nChannel 0: Now do you think that $20 a fortnight or week, or what do you think would be a good starting point? And you can always change it because it's just through your employer. So you can increase or decrease it, but, obviously, you don't wanna put too much in if it's going to impact your savings or bills and expenses.\n\nChannel 1: I will probably put $20 a week away because I get paid weekly. So $20\n\nChannel 0: Okay.\n\nChannel 1: a week is nothing. So\n\nChannel 0: Yep.\n\nChannel 1: that yeah. I'll just get them to do that for me.\n\nChannel 0: Yep. Okay. Perfect. Now with your portfolio as well, I think Samantha went through, I guess, an overview of the portfolio.\n\nChannel 1: She did. Yes. Mhmm.\n\nChannel 0: Yeah. Perfect. And there is one one investment in the portfolio that I would like to look at swapping out,\n\nChannel 1: Mhmm.\n\nChannel 0: and that is your Benelon Concentrate and Australian Equity Fund. Now\n\nChannel 1: Okay.\n\nChannel 0: that one is a a managed fund. And, you know, when that was recommended in the portfolio, it was doing really, really well. And the purpose of it is to provide you with that kind of active management where they try to kind of outperform the market. So they can cost a little bit more because they are trying to kind of actively buy and sell investments.\n\nChannel 1: Mhmm.\n\nChannel 0: They're trying to outperform the market. Sometimes it does, you know, very much pay off, but then other times, not always for the cost. Now that is the only active management portion you have in your portfolio. The rest are kind of your ETF. So they kinda just track and index a little bit cheaper and don't fluctuate as much.\n\nSo your your Benelon investment, they have kind of underperformed a little bit lately. The\n\nChannel 1: Okay.\n\nChannel 0: biggest\n\nChannel 1: Sure.\n\nChannel 0: reason why they kind of have underperformed is that one of their investments that they had in the funds was the corporate travel group.\n\nChannel 1: No.\n\nChannel 0: Now they have you heard of them? No. Essentially, they their reporting and stuff like that weren't great. They were doing some some stuff that they probably shouldn't, the company itself. So they got they got suspended from trading for a while.\n\nSo because\n\nChannel 1: Okay.\n\nChannel 0: they were suspended from trading, it then kind of the, you know, undervalued and made the share prices drop because there was no\n\nChannel 1: Right.\n\nChannel 0: observable market price. So it wasn't\n\nChannel 1: Okay.\n\nChannel 0: Benelung themselves. It was one of their holdings. But because\n\nChannel 1: They're\n\nChannel 0: there\n\nChannel 1: right.\n\nChannel 0: was quite\n\nChannel 1: Okay.\n\nChannel 0: a exactly. So because of that still, though, it is something I do wanna look to change because\n\nChannel 1: Okay.\n\nChannel 0: they have they have dropped a bit. Your Benelung investment is the one that's kind of been underperformed in your portfolio, and the goal\n\nChannel 1: Sure.\n\nChannel 0: is obviously to making sure that we always have you in the best position at all times. So even\n\nChannel 1: Yes.\n\nChannel 0: though\n\nChannel 1: Correct.\n\nChannel 0: it was a great investment when you came on board and historically\n\nChannel 1: Mhmm.\n\nChannel 0: have done really well, right now, the way that we see it in investment committees, we don't really foresee it being one that we would like to keep around. We don't see it increasing as much, so, therefore, we wanna look at changing it.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: So if you are happy for me to do so, I will go and do a bit more research on your current investment, obviously,\n\nChannel 1: Sure.\n\nChannel 0: see how it's all going, make a couple of recommendations on options I think might be\n\nChannel 1: Okay.\n\nChannel 0: good. I'll present it to you, and then you can let me know what you would like to do.\n\nChannel 1: Yep. That'd be perfect.\n\nChannel 0: Yeah. Perfect. Now with your current portfolio as well, we do have you invested in a high growth portfolio. Do you kind of remember growth portfolio. Do you kind of remember what the high growth is?\n\nAre you quite comfortable with it?\n\nChannel 1: Yes. Yes. I'm happy with it. Yes.\n\nChannel 0: Yep. Yep. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now you do obviously have plenty of time on your And so time frame wise, you are in a good position of being in a high growth with the\n\nChannel 1: Okay.\n\nChannel 0: focus of obviously trying to maximize that growth as much as possible, you know, as long as you are comfortable seeing a bit of fluctuation short term to tryna\n\nChannel 1: Mhmm.\n\nChannel 0: get a growth in long term.\n\nChannel 1: Yeah. Absolutely. As\n\nChannel 0: Yeah.\n\nChannel 1: long as it's\n\nChannel 0: Perfect.\n\nChannel 1: gonna work in my benefit, I'm happy for that to keep going.\n\nChannel 0: Yep. Correct. Perfect.\n\nChannel 1: And you guys are looking after my best interest, obviously.\n\nChannel 0: Yes.\n\nChannel 1: That's why I'm tracking\n\nChannel 0: Yep.\n\nChannel 1: in all of that. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Perfect. And I guess when it comes to the asset allocation of the investment, typically, we see 90% in your growth investments in a high growth portfolio. So that is where you have your Australian shares, your international shares, your equity, your property, and stuff like that as well. We're trying to maximize that growth.\n\nAnd then we do have about 10% in your defensive investment. So that is like your cash, your gold, your fixed interest. We're trying to limit\n\nChannel 1: Mhmm.\n\nChannel 0: a little\n\nChannel 1: Alright.\n\nChannel 0: bit. So I'll have a look at that for you. Now I do wanna also check with you\n\nChannel 1: Okay.\n\nChannel 0: that we've recently I'm not sure if you've read our newsletter recently, but we've also recently so the investment committee have recently joined with BlackRock, which you may have heard of. They are one of the the biggest investment managers, and we've kind of created a model portfolio per se. So it's a an SMA, it's called. So it's a self managed account along\n\nChannel 1: Okay.\n\nChannel 0: with BlackRock. So how that works is that at the moment, we have what's called more a model portfolio individual investment in there in your hub hub accounts. And if we wanna go and make a change now, for example, with Benelon, we would have the conversation with you. We will go and do the research. I'll present you the recommendation, and then you let me know if you're happy with the change.\n\nChannel 1: Mhmm.\n\nChannel 0: The way that the SMA works slightly different is that even though it's kind of investing in those passive index funds as well, the underlying is a bit more of the active\n\nChannel 1: Mhmm.\n\nChannel 0: SMA, if you actually go into Hub 24, you can then click and see the investment, but it is a little bit less of that transparency because you do invest just directly in the SMA. Then we can kind of chop and change the investment based on, you know, if we just see one not doing well. So it allows us to very quickly make those changes if needed. Is that something that you're open to, or do you prefer kind of more having the full oversight with your\n\nChannel 1: I'm happy I'm\n\nChannel 0: investment.\n\nChannel 1: happy for that\n\nChannel 0: Mhmm.\n\nChannel 1: as\n\nChannel 0: Okay.\n\nChannel 1: long as there is, you know, that I am updated, like,\n\nChannel 0: Yes.\n\nChannel 1: we could continue to have our updates. Like,\n\nChannel 0: Yes.\n\nChannel 1: you know, I don't want it I don't want things to be changed and, you know, and I lose everything. As long as it's\n\nChannel 0: No.\n\nChannel 1: gonna be something that's gonna be beneficial for me. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Absolutely.\n\nChannel 0: Yeah.\n\nChannel 1: I'm happy\n\nChannel 0: I'll\n\nChannel 1: for\n\nChannel 0: have\n\nChannel 1: that to happen.\n\nChannel 0: okay. Perfect. I'll have a look at both options. Sorry. I'll have a look at them seeing if if the estimate is viable or if just swapping some of your current investments are the better for\n\nChannel 1: Mhmm.\n\nChannel 0: you. Because what we also wanna factor in is that by swapping some investments, that one that have gone up, there will be some potential capital gains tax associated with this. So we wanna obviously minimize that as much as possible as well. So\n\nChannel 1: Yep. Okay.\n\nChannel 0: I'll factor in all of it for you. I'll put together the recommendation, and that we can always take it from from\n\nChannel 1: Okay.\n\nChannel 0: there.\n\nChannel 1: Sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Perfect. Now it will take a couple of weeks to get all of this\n\nChannel 1: Oh,\n\nChannel 0: research\n\nChannel 1: that's fine.\n\nChannel 0: together. Perfect. Thank you. I'd\n\nChannel 1: No\n\nChannel 0: just\n\nChannel 1: problem.\n\nChannel 0: rather be you know, it's in case you're not expecting it tomorrow. It is a\n\nChannel 1: No.\n\nChannel 0: bit\n\nChannel 1: Of\n\nChannel 0: of\n\nChannel 1: course\n\nChannel 0: a process.\n\nChannel 1: not. I know what it's like. I work in an office, so I know\n\nChannel 0: Yeah.\n\nChannel 1: what it's like too.\n\nChannel 0: Yes. And we wanna make it very thorough. We wanna make sure, you know, we do really do that in-depth research for you, so you don't wanna rush it. So as soon as\n\nChannel 1: Of course.\n\nChannel 0: I have it all ready, I will give you a call. I will run through the recommendation, and then we can always take it from there.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Was there any other questions or anything else that you wanted to discuss today otherwise?\n\nChannel 1: I don't think so.\n\nChannel 0: No.\n\nChannel 1: No. I don't think\n\nChannel 0: No.\n\nChannel 1: so. I was a little bit concerned about nothing to do with Super. I was just\n\nChannel 0: Mhmm.\n\nChannel 1: gonna obviously, I've got the funeral expenses for dad\n\nChannel 0: Yeah.\n\nChannel 1: that I still gotta pay. I was I know there's probably not an option in there, but I thought I'd just ask anyway if there's any financial assistance or anything that I can get through people or not really.\n\nChannel 0: There is it's a little bit tricky. There is one that's it's more financial hardship you can do through super, but, typically,\n\nChannel 1: Right.\n\nChannel 0: you'd have to be on Centrelink for twenty six weeks in order to tryna get that. Or there is another one where it's a compassionate grant. So that's more so if you need a medical surgery or anything like that and you\n\nChannel 1: Okay.\n\nChannel 0: can't pay pay for it,\n\nChannel 1: Yep.\n\nChannel 0: there are ways where you can potentially access some of the students for\n\nChannel 1: Yep. No. That's okay. I think I think the girls told\n\nChannel 0: that.\n\nChannel 1: me about that last time when I\n\nChannel 0: Okay.\n\nChannel 1: inquired\n\nChannel 0: Yeah.\n\nChannel 1: about it, obviously, before dad died. But yeah. No. That's fine. Look.\n\nI'm fine. I can\n\nChannel 0: Yeah.\n\nChannel 1: I'll\n\nChannel 0: Okay.\n\nChannel 1: handle it. I just thought I'd double check and see whether there\n\nChannel 0: Yeah.\n\nChannel 1: was anything available.\n\nChannel 0: Yeah.\n\nChannel 1: You know, pay all this money into your super need to know whether there's anything, obviously, with that building. So\n\nChannel 0: Yes.\n\nChannel 1: you can retire,\n\nChannel 0: Exactly.\n\nChannel 1: but if there is something\n\nChannel 0: Yeah.\n\nChannel 1: he can get, then that would be also\n\nChannel 0: Yeah.\n\nChannel 1: helpful. But\n\nChannel 0: Yeah. If it is well, you know, you really struggle, just let us know. We'll we'll obviously see if there's anything we can do. Or, you know, hopefully, if it is that you have to, you know, take out a loan or anything like that, I can always get a lender to give you a call if it comes to it, if you wanna assess different options.\n\nChannel 1: Okay. Yeah. No. Thank you. I\n\nChannel 0: Yeah.\n\nChannel 1: I should be fine. I'm pretty\n\nChannel 0: Okay.\n\nChannel 1: sure I'm pretty sure that I will be able to cover it.\n\nChannel 0: Okay. Yeah. Just, yeah, let us know how it's all going. Do you know if he had, any super insurances or anything like that that will be, paid out as well? Do you know?\n\nChannel 1: Sorry. What was that?\n\nChannel 0: Do you know if your dad had any, you know, superannuation or insurance policies or anything like that.\n\nChannel 1: I don't think so. No. Because\n\nChannel 0: Okay.\n\nChannel 1: he was 87. I think he used his I think he had, like, a life insured policy which he used a a while ago. I don't think he's got any other super policy.\n\nChannel 0: Okay. Yep. Okay. Yeah. I'll I'll I'll do some more research and see if any of the rules have changed with that financial hardship when it comes to renewal.\n\nChannel 1: Mhmm.\n\nChannel 0: But last time I checked, it wasn't really an option. Do you know how much you would want to take if it if it is that it comes to it?\n\nChannel 1: Oh, well, I mean, the funeral cost amount of pocket for is $3,052. So\n\nChannel 0: Okay.\n\nChannel 1: it is probably only be, you know, 3,000 just to cover it, like,\n\nChannel 0: Yep.\n\nChannel 1: I think.\n\nChannel 0: Yep. Yep. Okay.\n\nChannel 1: Yeah. But\n\nChannel 0: Yeah.\n\nChannel 1: I think look. I should be able to work out an alternative. So it's\n\nChannel 0: Okay.\n\nChannel 1: no problem. But\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I wouldn't stress too much. I won't worry too much about that.\n\nChannel 0: Okay.\n\nChannel 1: I just\n\nChannel 0: Okay.\n\nChannel 1: thought I'd ask the question.\n\nChannel 0: Yeah. And it's a it's a very valid question. And, you know, if anything does change and you're really struggling, you know, just let us know. Would you like me to hold off on the salary sacrifice for like, you're not included right now is obviously, cash flow is a little bit tight at\n\nChannel 1: Oh,\n\nChannel 0: the moment.\n\nChannel 1: no. No. No. Keep\n\nChannel 0: No?\n\nChannel 1: it. No.\n\nChannel 0: That's\n\nChannel 1: That's\n\nChannel 0: fine.\n\nChannel 1: fine. I'll\n\nChannel 0: Okay.\n\nChannel 1: speak to them about it on tomorrow when I'm back in the office and\n\nChannel 0: Yep.\n\nChannel 1: start to get\n\nChannel 0: Okay.\n\nChannel 1: the ball rolling with that.\n\nChannel 0: That's okay. Perfect. I'll show you the difference anyway in in the research papers so that you can see it.\n\nChannel 1: Okay.\n\nChannel 0: If there's anything else, though, that you do need, just let me just let me know. But, otherwise, I'll go and do the research for\n\nChannel 1: Okay.\n\nChannel 0: you just to obviously see. And, obviously, with the the research as well, because you have your HUB 24, and then you\n\nChannel 1: Yes.\n\nChannel 0: also have Mercer Super as well for the purpose of your insurances. So you have a little bit of life and total permanent disability insurance in Mercer Super for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Mhmm. So I'll have a review of the amount as well to see if we wanna change anything around to obviously make sure we have the most amount of money in the option that's going to give you the most, but still obviously making sure that we have enough\n\nChannel 1: Yes.\n\nChannel 0: in\n\nChannel 1: Okay.\n\nChannel 0: Mercer super to obviously keep those insurances active.\n\nChannel 1: Yes.\n\nChannel 0: Now with the insurances as well, there was another thing I just saw as well is that your contributions are currently going into hub 24.\n\nChannel 1: Yes.\n\nChannel 0: Now, typically, when we have a retained fund for the purposes of insurances, we'd like contributions going into that fund to keep your insurances active. Because\n\nChannel 1: Okay.\n\nChannel 0: if it's been if it's been sixteen months and there's been no contributions into Mercer Super, they\n\nChannel 1: Yep.\n\nChannel 0: may can cancel the insurances. So we don't want that. We can also complete an opt in form that basically says that you would like to opt in through those insurances and keep them active regardless.\n\nChannel 1: Okay.\n\nChannel 0: I'll\n\nChannel 1: Okay.\n\nChannel 0: have a bit of a review of it because we wanna make sure we keep those insurances there for you. But if it is, are are you happy if I do recommend to change contributions up, you know, into MRSA to keep those insurances active?\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: It yeah.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: That's fine. Yep.\n\nChannel 0: Yeah. I'll have a look at that in a bit more in-depth when I do the research for you and then let you know where we should put it, just making sure we keep the insurances active. And we can always do\n\nChannel 1: Mhmm.\n\nChannel 0: regular rollovers anyway if it's appropriate into hub twenty four if that's what's going to obviously give you the most amount of the growth.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: But I'll get this sorted for you. Is there any other questions or anything else you might need from me today?\n\nChannel 1: No. I think that's everything.\n\nChannel 0: No?\n\nChannel 1: We covered it all.\n\nChannel 0: No.\n\nChannel 1: Thank you so much.\n\nChannel 0: Yeah. No problem. I will let you get back to your day. Hopefully, afternoon is not so busy. If there's\n\nChannel 1: Thank\n\nChannel 0: if there's\n\nChannel 1: you.\n\nChannel 0: anything else that you need, don't hesitate to give us a call. But, otherwise, I'll give you a call in a couple of weeks and run through all of this. And I'll also get the team to email you those beneficiaries so we can get that sorted for you.\n\nChannel 1: Okay. Sounds great. Thank you.\n\nChannel 0: No problem at all. But thank you so much for your time today, and I look forward to speaking with you in a couple of weeks.\n\nChannel 1: Thank you, and you too.\n\nChannel 0: Thanks.\n\nChannel 1: Bye.\n\nChannel 0: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.018356220796704292},{"text":"Shani speaking.","start":1.8399999,"end":2.74,"sentiment":"neutral","sentiment_score":0.039563797414302826}],"sentiment":"neutral","sentiment_score":0.032494605208436646,"channel":1,"num_words":3,"start":1.1999999,"end":2.74},{"sentences":[{"text":"Good afternoon.","start":3.36,"end":4.16,"sentiment":"neutral","sentiment_score":0.2930166572332382},{"text":"This is Veronica from Oktoof Financial.","start":4.16,"end":6.16,"sentiment":"neutral","sentiment_score":0.24011768649021784},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.16419470310211182}],"sentiment":"neutral","sentiment_score":0.2290294129740108,"channel":0,"num_words":11,"start":3.36,"end":6.98},{"sentences":[{"text":"Michael 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anyway in in the research papers so that you can see it.","start":1386.615,"end":1390.635,"sentiment":"positive","sentiment_score":0.36681673456640806}],"sentiment":"positive","sentiment_score":0.387476721405983,"channel":0,"num_words":20,"start":1385.335,"end":1390.635},{"sentences":[{"text":"Okay.","start":1390.99,"end":1391.49,"sentiment":"neutral","sentiment_score":0.15926453471183777}],"sentiment":"neutral","sentiment_score":0.15926453471183777,"channel":1,"num_words":1,"start":1390.99,"end":1391.49},{"sentences":[{"text":"If there's anything else, though, that you do need, just let me just let me know.","start":1391.415,"end":1396.215,"sentiment":"neutral","sentiment_score":0.11681326618418097},{"text":"But, otherwise, I'll go and do the research 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you","start":1402.55,"end":1407.11,"sentiment":"neutral","sentiment_score":0.15384432498146505}],"sentiment":"neutral","sentiment_score":0.1472884870388291,"channel":0,"num_words":22,"start":1399.59,"end":1407.11},{"sentences":[{"text":"Yes.","start":1407.015,"end":1407.515,"sentiment":"neutral","sentiment_score":0.17580950260162354}],"sentiment":"neutral","sentiment_score":0.17580950260162354,"channel":1,"num_words":1,"start":1407.015,"end":1407.515},{"sentences":[{"text":"also have Mercer Super as well for the purpose of your insurances.","start":1407.11,"end":1411.61,"sentiment":"neutral","sentiment_score":0.2148074908182025},{"text":"So you have a little bit of life and total permanent disability insurance in Mercer Super for you.","start":1411.75,"end":1417.365,"sentiment":"neutral","sentiment_score":0.21411495986911985}],"sentiment":"neutral","sentiment_score":0.21439197224875292,"channel":0,"num_words":30,"start":1407.11,"end":1417.365},{"sentences":[{"text":"Mhmm.","start":1417.61,"end":1418.11,"sentiment":"neutral","sentiment_score":0.06903240084648132}],"sentiment":"neutral","sentiment_score":0.06903240084648132,"channel":1,"num_words":1,"start":1417.61,"end":1418.11},{"sentences":[{"text":"Mhmm.","start":1417.985,"end":1418.385,"sentiment":"neutral","sentiment_score":0.05167015269398689},{"text":"So I'll have a review of the amount as well to see if we wanna change anything around to obviously make sure we have the most amount of money in the option that's going to give you the most, but still obviously making sure that we have enough","start":1418.385,"end":1430.9501,"sentiment":"neutral","sentiment_score":0.08737070159986615}],"sentiment":"neutral","sentiment_score":0.08664211896913392,"channel":0,"num_words":49,"start":1417.985,"end":1430.9501},{"sentences":[{"text":"Yes.","start":1431.235,"end":1431.475,"sentiment":"neutral","sentiment_score":0.04168324917554855}],"sentiment":"neutral","sentiment_score":0.04168324917554855,"channel":1,"num_words":1,"start":1431.235,"end":1431.475},{"sentences":[{"text":"in","start":1431.3301,"end":1431.65,"sentiment":"neutral","sentiment_score":0.03743325918912888}],"sentiment":"neutral","sentiment_score":0.03743325918912888,"channel":0,"num_words":1,"start":1431.3301,"end":1431.65},{"sentences":[{"text":"Okay.","start":1431.475,"end":1431.975,"sentiment":"neutral","sentiment_score":0.07322564721107483}],"sentiment":"neutral","sentiment_score":0.07322564721107483,"channel":1,"num_words":1,"start":1431.475,"end":1431.975},{"sentences":[{"text":"Mercer super to obviously keep those insurances active.","start":1431.65,"end":1435.03,"sentiment":"neutral","sentiment_score":0.10047442279756069}],"sentiment":"neutral","sentiment_score":0.10047442279756069,"channel":0,"num_words":8,"start":1431.65,"end":1435.03},{"sentences":[{"text":"Yes.","start":1435.5549,"end":1436.0549,"sentiment":"neutral","sentiment_score":0.07836994528770447}],"sentiment":"neutral","sentiment_score":0.07836994528770447,"channel":1,"num_words":1,"start":1435.5549,"end":1436.0549},{"sentences":[{"text":"Now with the insurances as well, there was another thing I just saw as well is that your contributions are currently going into hub 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regardless.","start":1466.58,"end":1474.275,"sentiment":"neutral","sentiment_score":0.060624915604981094}],"sentiment":"neutral","sentiment_score":-0.014560090740107827,"channel":0,"num_words":36,"start":1462.74,"end":1474.275},{"sentences":[{"text":"Okay.","start":1474.6799,"end":1474.92,"sentiment":"neutral","sentiment_score":0.0554385781288147}],"sentiment":"neutral","sentiment_score":0.0554385781288147,"channel":1,"num_words":1,"start":1474.6799,"end":1474.92},{"sentences":[{"text":"I'll","start":1474.895,"end":1475.135,"sentiment":"neutral","sentiment_score":0.05070464313030243}],"sentiment":"neutral","sentiment_score":0.05070464313030243,"channel":0,"num_words":1,"start":1474.895,"end":1475.135},{"sentences":[{"text":"Okay.","start":1474.92,"end":1475.42,"sentiment":"neutral","sentiment_score":0.055793359875679016}],"sentiment":"neutral","sentiment_score":0.055793359875679016,"channel":1,"num_words":1,"start":1474.92,"end":1475.42},{"sentences":[{"text":"have a bit of a review of it because we wanna make sure we keep those insurances there for you.","start":1475.135,"end":1479.875,"sentiment":"neutral","sentiment_score":0.09044213015586137},{"text":"But if it is, are are you happy if I do recommend to change contributions up, you know, into MRSA to keep those insurances active?","start":1480.9751,"end":1489.4199,"sentiment":"neutral","sentiment_score":0.06318561911582947}],"sentiment":"neutral","sentiment_score":0.07529962402251032,"channel":0,"num_words":45,"start":1475.135,"end":1489.4199},{"sentences":[{"text":"Yes.","start":1489.1449,"end":1489.625,"sentiment":"neutral","sentiment_score":0.06248777359724045},{"text":"Yes.","start":1489.625,"end":1489.945,"sentiment":"neutral","sentiment_score":0.0704324021935463},{"text":"Yes.","start":1489.945,"end":1490.445,"sentiment":"neutral","sentiment_score":0.08949137479066849}],"sentiment":"neutral","sentiment_score":0.07413718352715175,"channel":1,"num_words":3,"start":1489.1449,"end":1490.445},{"sentences":[{"text":"It 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fine.","start":1490.825,"end":1491.625,"sentiment":"neutral","sentiment_score":0.23273448646068573},{"text":"Yep.","start":1491.625,"end":1492.125,"sentiment":"neutral","sentiment_score":0.17904536426067352}],"sentiment":"neutral","sentiment_score":0.21483811239401499,"channel":1,"num_words":3,"start":1490.825,"end":1492.125},{"sentences":[{"text":"Yeah.","start":1492.0399,"end":1492.36,"sentiment":"neutral","sentiment_score":0.1734858900308609},{"text":"I'll have a look at that in a bit more in-depth when I do the research for you and then let you know where we should put it, just making sure we keep the insurances active.","start":1492.36,"end":1501.695,"sentiment":"neutral","sentiment_score":0.14942091558542517},{"text":"And we can always do","start":1501.695,"end":1502.735,"sentiment":"neutral","sentiment_score":0.15768232941627502}],"sentiment":"neutral","sentiment_score":0.1509773928139891,"channel":0,"num_words":42,"start":1492.0399,"end":1502.735},{"sentences":[{"text":"Mhmm.","start":1502.56,"end":1503.06,"sentiment":"neutral","sentiment_score":0.09226261079311372}],"sentiment":"neutral","sentiment_score":0.09226261079311372,"channel":1,"num_words":1,"start":1502.56,"end":1503.06},{"sentences":[{"text":"regular rollovers anyway if it's appropriate into hub twenty four if that's what's going to obviously give you the most amount of the growth.","start":1502.735,"end":1510.275,"sentiment":"neutral","sentiment_score":0.11659538621703784}],"sentiment":"neutral","sentiment_score":0.11659538621703784,"channel":0,"num_words":24,"start":1502.735,"end":1510.275},{"sentences":[{"text":"Okay.","start":1510.6649,"end":1511.065,"sentiment":"neutral","sentiment_score":0.2753041386604309},{"text":"Perfect.","start":1511.065,"end":1511.565,"sentiment":"positive","sentiment_score":0.47334471344947815}],"sentiment":"positive","sentiment_score":0.37432442605495453,"channel":1,"num_words":2,"start":1510.6649,"end":1511.565},{"sentences":[{"text":"Yep.","start":1511.215,"end":1511.715,"sentiment":"neutral","sentiment_score":0.31067609786987305}],"sentiment":"neutral","sentiment_score":0.31067609786987305,"channel":0,"num_words":1,"start":1511.215,"end":1511.715},{"sentences":[{"text":"Yep.","start":1511.625,"end":1512.125,"sentiment":"positive","sentiment_score":0.3546368479728699}],"sentiment":"positive","sentiment_score":0.3546368479728699,"channel":1,"num_words":1,"start":1511.625,"end":1512.125},{"sentences":[{"text":"But I'll get this sorted for you.","start":1512.4099,"end":1514.59,"sentiment":"positive","sentiment_score":0.3705388179847172},{"text":"Is there any other questions or anything else you might need from me today?","start":1514.97,"end":1518.51,"sentiment":"neutral","sentiment_score":0.22570432829005377}],"sentiment":"neutral","sentiment_score":0.27398249152160825,"channel":0,"num_words":21,"start":1512.4099,"end":1518.51},{"sentences":[{"text":"No.","start":1518.265,"end":1518.425,"sentiment":"neutral","sentiment_score":-0.025227701291441917},{"text":"I think that's everything.","start":1518.425,"end":1519.5449,"sentiment":"neutral","sentiment_score":-0.038779476657509804}],"sentiment":"neutral","sentiment_score":-0.036069121584296225,"channel":1,"num_words":5,"start":1518.265,"end":1519.5449},{"sentences":[{"text":"No?","start":1519.21,"end":1519.71,"sentiment":"neutral","sentiment_score":-0.030522430315613747}],"sentiment":"neutral","sentiment_score":-0.030522430315613747,"channel":0,"num_words":1,"start":1519.21,"end":1519.71},{"sentences":[{"text":"We covered it all.","start":1519.5449,"end":1520.345,"sentiment":"neutral","sentiment_score":0.03999881446361542}],"sentiment":"neutral","sentiment_score":0.03999881446361542,"channel":1,"num_words":4,"start":1519.5449,"end":1520.345},{"sentences":[{"text":"No.","start":1520.33,"end":1520.83,"sentiment":"neutral","sentiment_score":0.13542954623699188}],"sentiment":"neutral","sentiment_score":0.13542954623699188,"channel":0,"num_words":1,"start":1520.33,"end":1520.83},{"sentences":[{"text":"Thank you so much.","start":1520.345,"end":1521.4049,"sentiment":"positive","sentiment_score":0.4036494418978691}],"sentiment":"positive","sentiment_score":0.4036494418978691,"channel":1,"num_words":4,"start":1520.345,"end":1521.4049},{"sentences":[{"text":"Yeah.","start":1520.97,"end":1521.47,"sentiment":"neutral","sentiment_score":0.20013783872127533},{"text":"No problem.","start":1521.69,"end":1522.4099,"sentiment":"neutral","sentiment_score":0.15753506869077682},{"text":"I will let you get back to your day.","start":1522.4099,"end":1524.165,"sentiment":"neutral","sentiment_score":0.28943467802471584},{"text":"Hopefully, afternoon is not so busy.","start":1524.245,"end":1526.105,"sentiment":"neutral","sentiment_score":0.1608551194270452},{"text":"If there's","start":1526.7251,"end":1527.2051,"sentiment":"neutral","sentiment_score":0.028069769963622093}],"sentiment":"neutral","sentiment_score":0.20706951674073934,"channel":0,"num_words":20,"start":1520.97,"end":1527.2051},{"sentences":[{"text":"Thank","start":1527.18,"end":1527.5,"sentiment":"neutral","sentiment_score":0.12321318686008452}],"sentiment":"neutral","sentiment_score":0.12321318686008452,"channel":1,"num_words":1,"start":1527.18,"end":1527.5},{"sentences":[{"text":"if there's","start":1527.2051,"end":1527.765,"sentiment":"neutral","sentiment_score":0.21200133115053177}],"sentiment":"neutral","sentiment_score":0.21200133115053177,"channel":0,"num_words":2,"start":1527.2051,"end":1527.765},{"sentences":[{"text":"you.","start":1527.5,"end":1528.0,"sentiment":"neutral","sentiment_score":0.20380999147892}],"sentiment":"neutral","sentiment_score":0.20380999147892,"channel":1,"num_words":1,"start":1527.5,"end":1528.0},{"sentences":[{"text":"anything else that you need, don't hesitate to give us a call.","start":1527.765,"end":1530.7251,"sentiment":"neutral","sentiment_score":0.1115300642947356},{"text":"But, otherwise, I'll give you a call in a couple of weeks and run through all of this.","start":1530.7251,"end":1534.165,"sentiment":"neutral","sentiment_score":0.18612932931217882},{"text":"And I'll also get the team to email you those beneficiaries so we can get that sorted for you.","start":1534.165,"end":1538.98,"sentiment":"neutral","sentiment_score":0.2534396656249699}],"sentiment":"neutral","sentiment_score":0.19396004787817292,"channel":0,"num_words":49,"start":1527.765,"end":1538.98},{"sentences":[{"text":"Okay.","start":1538.8151,"end":1539.295,"sentiment":"positive","sentiment_score":0.49087393283843994},{"text":"Sounds great.","start":1539.295,"end":1539.935,"sentiment":"positive","sentiment_score":0.8177926242351532},{"text":"Thank you.","start":1539.935,"end":1540.755,"sentiment":"positive","sentiment_score":0.7729152143001556}],"sentiment":"positive","sentiment_score":0.7344579219818115,"channel":1,"num_words":5,"start":1538.8151,"end":1540.755},{"sentences":[{"text":"No problem at all.","start":1540.96,"end":1541.76,"sentiment":"positive","sentiment_score":0.6590508073568344},{"text":"But thank you so much for your time today, and I look forward to speaking with you in a couple of weeks.","start":1541.76,"end":1546.1,"sentiment":"positive","sentiment_score":0.7647648724642667}],"sentiment":"positive","sentiment_score":0.7485011701400464,"channel":0,"num_words":26,"start":1540.96,"end":1546.1},{"sentences":[{"text":"Thank you, and you too.","start":1546.175,"end":1547.635,"sentiment":"positive","sentiment_score":0.765064287185669}],"sentiment":"positive","sentiment_score":0.765064287185669,"channel":1,"num_words":5,"start":1546.175,"end":1547.635},{"sentences":[{"text":"Thanks.","start":1548.0,"end":1548.5,"sentiment":"positive","sentiment_score":0.6855654120445251}],"sentiment":"positive","sentiment_score":0.6855654120445251,"channel":0,"num_words":1,"start":1548.0,"end":1548.5},{"sentences":[{"text":"Bye.","start":1548.175,"end":1548.675,"sentiment":"positive","sentiment_score":0.3839595317840576}],"sentiment":"positive","sentiment_score":0.3839595317840576,"channel":1,"num_words":1,"start":1548.175,"end":1548.675},{"sentences":[{"text":"Bye.","start":1548.6399,"end":1549.0399,"sentiment":"neutral","sentiment_score":0.2775994539260864},{"text":"Bye.","start":1549.0399,"end":1549.5399,"sentiment":"neutral","sentiment_score":-0.11752516776323318}],"sentiment":"neutral","sentiment_score":0.08003714308142662,"channel":0,"num_words":2,"start":1548.6399,"end":1549.5399}]},"summary":{"result":"success","short":"Representatives from Oktoof Financial speak with customers about their financial records and discuss ways to nominate beneficiaries through legal personal records. They emphasize the importance of overcoming attrition of salary sacrificing and offer advice on investment portfolios and risk management. The representatives also discuss options for financial hardship and suggest referral for lenders for insurance assistance. They emphasize the need for researching investments and making changes as needed."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could you fine. just confirm your full name, date of birth, and address for me, please?","start_word":87,"end_word":113,"intents":[{"intent":"Confirm identity","confidence_score":0.31728175},{"intent":"Confirm details","confidence_score":0.047307592},{"intent":"Confirm identity and schedule catch-up","confidence_score":0.000021024462}]},{"text":"So it's Shani Hayward, 18 Baylor Avenue, Ringvale, and my date of birth is 10/1980. Yep.","start_word":114,"end_word":129,"intents":[{"intent":"Confirm address","confidence_score":0.022950258}]},{"text":"But, essentially, I had you booked because you did your annual review with my colleague a little while ago and had a couple of questions through that you wanted to go through in a bit more detail. Is that right? Yes.","start_word":196,"end_word":236,"intents":[{"intent":"Address questions","confidence_score":0.0068350635}]},{"text":"What was it, I guess, in regards to how you wanna structure them? Or Oh, well, I just need to change them because I had, I think, I had my dad who passed away four weeks ago. So I need to change him as one of my beneficiaries and just update it with a new person that I need to nominate. I think they were gonna send me some forms out for that Okay.","start_word":272,"end_word":345,"intents":[{"intent":"Change beneficiary","confidence_score":0.0023770211}]},{"text":"So can I ask their relationship to you? Yeah.","start_word":409,"end_word":417,"intents":[{"intent":"Inquire relationship","confidence_score":0.00076798175}]},{"text":"So Elena is my second cousin, but I call her my niece. Yep.","start_word":420,"end_word":432,"intents":[{"intent":"Address family","confidence_score":0.000101092555}]},{"text":"Hailey is my best friend. Oh, yeah.","start_word":453,"end_word":459,"intents":[{"intent":"Describe friendship","confidence_score":0.000007969256}]},{"text":"And I I am very sorry to hear about your loss as Oh, well.","start_word":494,"end_word":507,"intents":[{"intent":"Address loss","confidence_score":0.0070249704}]},{"text":"thank you. Thank you. Yeah.","start_word":508,"end_word":512,"intents":[{"intent":"Express appreciation","confidence_score":0.002742188}]},{"text":"That's right.","start_word":527,"end_word":528,"intents":[{"intent":"Agree with decision","confidence_score":0.00021107927}]},{"text":"So because there are a lot of lot of legislation on a valid nomination because of the state act. So Mhmm.","start_word":571,"end_word":591,"intents":[{"intent":"Confirm definition","confidence_score":0.00049402297},{"intent":"Inform about legislation","confidence_score":0.0030923658}]},{"text":"you at the time of your passing. You need you need to have a very close personal relationship while living together, and you need to provide financial, domestic, or personal care support. Okay.","start_word":600,"end_word":632,"intents":[{"intent":"Provide financial support","confidence_score":0.018168021}]},{"text":"would just have to structure it slightly different.","start_word":675,"end_word":682,"intents":[{"intent":"Structure nomination","confidence_score":0.095202334}]},{"text":"We wanna make sure that if something were to happen to you, they actually go to your best friend and your cousin. So I'll definitely get the team to resend them through you so we can get that sorted as soon as possible. Mhmm.","start_word":840,"end_word":883,"intents":[{"intent":"Resend nominations","confidence_score":0.023153942}]},{"text":"Now the other thing I had here was that you were interested in maybe doing some salary sacrifice. Yeah. Correct.","start_word":1065,"end_word":1084,"intents":[{"intent":"Determine salary sacrifice options","confidence_score":0.023871623}]},{"text":"you're, like, I can, you know, do the calculations for you. And then because how it works is contributions going into superannuation is taxed at 15%. So it is a lot cheaper, 15. And your income is 87, then your marginal tax rate is at 30% plus the medical levy. So Okay.","start_word":1459,"end_word":1510,"intents":[{"intent":"Calculate tax deductions","confidence_score":0.027502777}]},{"text":"But but what I can also do because we do also have here that we wanna review your superannuation portfolio a little bit. So Yes.","start_word":1859,"end_word":1883,"intents":[{"intent":"Review superannuation portfolio","confidence_score":0.117100924}]},{"text":"And, you know, when that was recommended in the portfolio, it was doing really, really well.","start_word":2118,"end_word":2133,"intents":[{"intent":"Recommend investment","confidence_score":0.026457269}]},{"text":"And the purpose of it is to provide you with that kind of active management where they try to kind of outperform the market. So they can cost a little bit more because they are trying to kind of actively buy and sell investments.","start_word":2133,"end_word":2176,"intents":[{"intent":"State investment motivations","confidence_score":0.0000015553642}]},{"text":"So your your Benelon investment, they have kind of underperformed a little bit lately.","start_word":2238,"end_word":2251,"intents":[{"intent":"Express concern about underperformance","confidence_score":0.00026918045}]},{"text":"So your your Benelon investment, they have kind of underperformed a little bit lately. The Okay.","start_word":2238,"end_word":2253,"intents":[{"intent":"Report experience with benelung investment","confidence_score":0.0000047024373}]},{"text":"reason why they kind of have underperformed is that one of their investments that they had in the funds was the corporate travel group. No.","start_word":2256,"end_word":2280,"intents":[{"intent":"Discuss investments for corporate travel group","confidence_score":2.559594e-7}]},{"text":"So because of that still, though, it is something I do wanna look to change because Okay.","start_word":2375,"end_word":2391,"intents":[{"intent":"Recommend portfolio change","confidence_score":0.005783233}]},{"text":"it was a great investment when you came on board and historically Mhmm. have done really well, right now, the way that we see it in investment committees, we don't really foresee it being one that we would like to keep around.","start_word":2439,"end_word":2480,"intents":[{"intent":"Explain investment committee position","confidence_score":0.011282871}]},{"text":"see how it's all going, make a couple of recommendations on options I think might be Okay. good.","start_word":2523,"end_word":2540,"intents":[{"intent":"Recommend investment options","confidence_score":0.05745297}]},{"text":"I'll have a look at them seeing if if the estimate is viable or if just swapping some of your current investments are the better for Mhmm. you.","start_word":3183,"end_word":3210,"intents":[{"intent":"Evaluate financial options","confidence_score":0.025343588}]},{"text":"there are ways where you can potentially access some of the students for Yep.","start_word":3576,"end_word":3589,"intents":[{"intent":"Access students","confidence_score":0.24390052}]},{"text":"I'll Okay. handle it. I just thought I'd double check and see whether there Yeah. was anything available. Yeah. You know, pay all this money into your super need to know whether there's anything, obviously, with that building. So Yes.","start_word":3628,"end_word":3667,"intents":[{"intent":"Handle money","confidence_score":0.1663032}]},{"text":"I just thought I'd double check and see whether there Yeah. was anything available. Yeah.","start_word":3632,"end_word":3646,"intents":[{"intent":"Check insurance coverage","confidence_score":0.03483092}]},{"text":"sure I'm pretty sure that I will be able to cover it. Okay.","start_word":3770,"end_word":3782,"intents":[{"intent":"Determine coverage options","confidence_score":0.05974591}]},{"text":"Do you know if he had, any super insurances or anything like that that will be, paid out as well? Do you know?","start_word":3793,"end_word":3815,"intents":[{"intent":"Obtain information","confidence_score":0.0030620801}]},{"text":"I'll I'll I'll do some more research and see if any of the rules have changed with that financial hardship when it comes to renewal. Mhmm.","start_word":3882,"end_word":3907,"intents":[{"intent":"Discuss financial hardship","confidence_score":0.12841597},{"intent":"Discuss research","confidence_score":0.28205466}]},{"text":"Oh, well, I mean, the funeral cost amount of pocket for is $3,052. So Okay.","start_word":3938,"end_word":3952,"intents":[{"intent":"Determine funeral cost","confidence_score":0.016245969}]},{"text":"I should be able to work out an alternative. So it's Okay.","start_word":3978,"end_word":3989,"intents":[{"intent":"Work out alternative","confidence_score":0.10867531}]},{"text":"I'll Okay. speak to them about it on tomorrow when I'm back in the office and Yep. start to get Okay.","start_word":4087,"end_word":4107,"intents":[{"intent":"Speak to staff","confidence_score":0.00020239093}]},{"text":"I'll show you the difference anyway in in the research papers so that you can see it. Okay.","start_word":4116,"end_word":4133,"intents":[{"intent":"Provide research","confidence_score":0.0039747925},{"intent":"Show difference","confidence_score":0.12989847}]},{"text":"So I'll have a review of the amount as well to see if we wanna change anything around to obviously make sure we have the most amount of money in the option that's going to give you the most, but still obviously making sure that we have enough Yes.","start_word":4215,"end_word":4263,"intents":[{"intent":"Review amount","confidence_score":0.27739924}]},{"text":"Mercer super to obviously keep those insurances active. Yes.","start_word":4266,"end_word":4274,"intents":[{"intent":"Keep insurances active","confidence_score":0.642276},{"intent":"Keep insurances active","confidence_score":0.11775306}]},{"text":"We can also complete an opt in form that basically says that you would like to opt in through those insurances and keep them active regardless. Okay.","start_word":4356,"end_word":4382,"intents":[{"intent":"Complete opt-in form","confidence_score":0.63965553}]},{"text":"I'll have a look at that in a bit more in-depth when I do the research for you and then let you know where we should put it, just making sure we keep the insurances active. And we can always do Mhmm. regular rollovers anyway if it's appropriate into hub twenty four if that's what's going to obviously give you the most amount of the growth. Okay. Perfect.","start_word":4441,"end_word":4508,"intents":[{"intent":"Help with research","confidence_score":0.0027182146}]},{"text":"Is there any other questions or anything else you might need from me today? No.","start_word":4518,"end_word":4532,"intents":[{"intent":"Help questions","confidence_score":0.00003938905}]}]},"sentiments":{"segments":[{"text":"Hello? Shani speaking. Good afternoon. This is Veronica from Oktoof Financial. How are you? Michael Prodica. How are you? Yeah.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.16259650886058807},{"text":"I'm good. Thanks. That's I good.","start_word":20,"end_word":25,"sentiment":"positive","sentiment_score":0.58863765001297},{"text":"had you booked in for a bit of a catch up. Is now still a good Yes.","start_word":26,"end_word":42,"sentiment":"neutral","sentiment_score":0.29078060388565063},{"text":"That's time great.","start_word":43,"end_word":45,"sentiment":"positive","sentiment_score":0.5322319865226746},{"text":"for you? Thank Yeah. you.","start_word":46,"end_word":50,"sentiment":"neutral","sentiment_score":0.30737197399139404},{"text":"Perfect.","start_word":51,"end_word":51,"sentiment":"positive","sentiment_score":0.3479423224925995},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. That's Yeah. Perfect. And just to confirm I am speaking with the right person, could you fine. just confirm your full name, date of birth, and address for me, please? So it's Shani Hayward, 18 Baylor Avenue, Ringvale, and my date of birth is 10/1980. Yep.","start_word":52,"end_word":129,"sentiment":"neutral","sentiment_score":0.06736921519041061},{"text":"Perfect. That's exactly what I have here.","start_word":130,"end_word":136,"sentiment":"positive","sentiment_score":0.3863165676593781},{"text":"How's your day been so far? I've been busy. Been busy. Yeah. Well, Yes. Yeah. Lucky I I will work from try home on a Wednesday, so it's not too bad when I'm at oh, home. that's But, yeah, still a that's bit good. Yeah. Well, I will try not to keep you for too long. busy. That's okay. But, essentially, I had you booked because you did your annual review with my colleague a little while ago and had a couple of questions through that you wanted to go through in a bit more detail. Is that right? Yes. That's right. Yeah. Yeah. And I can here see here that one of the things was in regards to your beneficiaries and how your, like, your nominations and stuff like Yes. that. Yes. Yeah. Correct. What was it, I guess, in regards to how you wanna structure them? Or Oh, well, I just need to change them because I had, I think, I had my dad who passed away four weeks ago. So I need to change him as one of my beneficiaries and just update it with a new person that I need to nominate. I think they were gonna send me some forms out for that Okay. or wait until I speak with you and then maybe that happens. I'm not sure. Yeah.","start_word":137,"end_word":361,"sentiment":"neutral","sentiment_score":0.038902097907331255},{"text":"I can definitely follow-up and make sure we get those sent out.","start_word":362,"end_word":373,"sentiment":"positive","sentiment_score":0.3962458372116089},{"text":"And with the nominations, I did wanted to check with you because, at the moment, we have four. So you have, Alana, Douglas, Haley, and Lee. Now they've all been nominated as other Yep. dependent. So can I ask their relationship to you? Yeah. Sure. Yeah. So Elena is my second cousin, but I call her my niece. Yep. And Yep. Lily is my cousin. And who was the other one that you had? Hailey and Douglas. Oh, hey. Hailey is my best friend. Oh, yeah. And that Douglas is was my dad. Yep. Okay. Yep. Sorry. I shouldn't Now say it was you. Yep. yeah. I don't No. know how you talk to them in past tense. Yeah. Yeah.","start_word":374,"end_word":493,"sentiment":"neutral","sentiment_score":0.030110260471701625},{"text":"And I I am very sorry to hear about your loss as Oh, well.","start_word":494,"end_word":507,"sentiment":"negative","sentiment_score":-0.37528061866760254},{"text":"thank you. Thank you. Yeah.","start_word":508,"end_word":512,"sentiment":"neutral","sentiment_score":0.20153874158859253},{"text":"He's happy now.","start_word":513,"end_word":515,"sentiment":"positive","sentiment_score":0.41983020305633545},{"text":"He is where he needs to be. So Yeah. that's fine. That's right. That that's that's the attitude to have. Now with your with your beneficiaries, so Yeah. I'm not sure if anyone has gone through it with you, but they are quite strict on who you can actually nominate directly through your superannuation. Right. So because there are a lot of lot of legislation on a valid nomination because of the state act. So Mhmm. the only people that you can nominate Okay. you at the time of your passing. You need you need to have a very close personal relationship while living together, and you need to provide financial, domestic, or personal care support. Okay. So would any of your cousins or your best friend fall into that category No. of None of them. No. So the way that we would have to change it, so you can still very much give it to them. It Mhmm. would just have to structure it slightly different. So the way that we would have to do it is that on your forms, we would nominate 100% through a legal personal representative. Essentially, it is a fancy word saying that it reverts to your will. And then Okay. in your will, you can nominate whoever you want as long as they're live in person. You can, yeah, nominate whoever you want. And if anything ever changes, you will just have to update your will, and the beneficiary on your super would stay intact because it just says in reverse through the Okay. will. Does that make sense? Yes. Yeah. So it is a bit tricky. You can still very much give it to them. We would just have to change it to make sure it's valid because the way that they are now, if something were to happen to you tomorrow, the superannuation trustee would just seems the current nomination invalid.","start_word":516,"end_word":835,"sentiment":"neutral","sentiment_score":0.011966886773006991},{"text":"We don't want that.","start_word":836,"end_word":839,"sentiment":"negative","sentiment_score":-0.3373829424381256},{"text":"We wanna make sure that if something were to happen to you, they actually go to your best friend and your cousin. So I'll definitely get the team to resend them through you so we can get that sorted as soon as possible. Mhmm. Now do you have access to a printer, or is post the best for you? I can print I can print them out. Yep? Yep. That's Okay. no problem. Because I'll get the team to email it to you then if you're happy to do so. They just have to be printed and wet signed because you are making a legal nomination. Okay. And I can get a pre filled if you would like just through the legal personal representative. And then, yeah, you would just have to get a a will sorted as well. Do you currently have a will in place? I do. Yeah. Yeah. Yeah. Okay.","start_word":840,"end_word":992,"sentiment":"neutral","sentiment_score":0.09779532253742218},{"text":"Perfect.","start_word":993,"end_word":993,"sentiment":"positive","sentiment_score":0.4235721826553345},{"text":"So, yeah, I would just obviously suggest either updating that yourself or obviously speak to your lawyer if you did it that way and just include how you want that nomination broken down. But I'll get that emailed for you to make sure we we do get that updated because it is very important. Okay. Yeah. Of course.","start_word":994,"end_word":1051,"sentiment":"neutral","sentiment_score":0.20291255414485931},{"text":"Thank you.","start_word":1052,"end_word":1053,"sentiment":"positive","sentiment_score":0.4825849235057831},{"text":"Perhaps I'm glad Yeah. you brought it up very much. Sorry. Now the other thing I had here was that you were interested in maybe doing some salary sacrifice. Yeah. Correct. Yeah. Mhmm. Now at the moment, I have here your income at about 87,000. Yes. Correct. Yep.","start_word":1054,"end_word":1101,"sentiment":"neutral","sentiment_score":0.014110091142356396},{"text":"Perfect.","start_word":1102,"end_word":1102,"sentiment":"positive","sentiment_score":0.4776345193386078},{"text":"And your employer, they just pay you that standard 12% contribution going into Superannuation.","start_word":1103,"end_word":1116,"sentiment":"neutral","sentiment_score":0.2709015905857086},{"text":"Great. Yes. Perfect.","start_word":1117,"end_word":1119,"sentiment":"positive","sentiment_score":0.5466112494468689},{"text":"Yes. Now do you have any amounts in mind that you would like to salary sacrifice? Do you kind of understand how it all works? Have you done it before? I have done it before. I used Yep. to pay something along the lines of, I don't know, maybe $10 10 or $20 a fortnight, Yep. which I understand is probably not a great deal for it to be sort of worth me doing that way. I'd have to figure out, like, what would be my question is, like, for me to, you know, make it worth my time to salary sacrifice, what would I be looking at would be a good way or what's a good amount that I would need to be salary sacrificing, or is it still okay to do that little bit that I've been doing in the past? Yeah. And that's a very good question. And very much so it is still good to do any amount because Any how of that? it Okay. works yeah. Because, basically, how it works is that, obviously, the more you put in, the more it's gonna compound, the more you're gonna save in tax, and the more you're still going to grow. But it also Okay. comes down to, well, how much can you actually forego of your take home pay? Because the biggest thing is that, obviously, by salary sacrificing, it comes pretax, which is what makes it so effective, but also is then locked into superannuation until you meet a condition of relief. So for example, you know, Okay. turning 60 and retiring or 65 and still working. So that is the biggest thing of obviously making sure that you have enough surplus each week to be able to forego it. So that is typically where where we would start of being like, Mhmm. okay. Well, can you forgo, you know, $20 a fortnight? Would that still, you know, make sure you have enough money left over and stuff like that? And then if Mhmm. you're, like, I can, you know, do the calculations for you. And then because how it works is contributions going into superannuation is taxed at 15%. So it is a lot cheaper, 15. And your income is 87, then your marginal tax rate is at 30% plus the medical levy.","start_word":1120,"end_word":1508,"sentiment":"neutral","sentiment_score":0.04838135173654418},{"text":"So Okay. even by doing, you know, $20 a fortnight, you will still save on it because you're not paying the full 30% tax. It's only 15 going into the, and it comes out before you have to pay tax, which reduces your taxable income.","start_word":1509,"end_word":1553,"sentiment":"positive","sentiment_score":0.4160389602184296},{"text":"Okay. Right. Gotcha. Does that make sense? Yeah.","start_word":1554,"end_word":1561,"sentiment":"neutral","sentiment_score":0.1693254113197327},{"text":"Absolutely.","start_word":1562,"end_word":1562,"sentiment":"positive","sentiment_score":0.35625481605529785},{"text":"Yeah. Yep.","start_word":1563,"end_word":1564,"sentiment":"neutral","sentiment_score":0.2970936894416809},{"text":"Yep. That's good.","start_word":1565,"end_word":1567,"sentiment":"positive","sentiment_score":0.543477475643158},{"text":"Yeah. And the the only thing that is kind of good to keep on be mindful of when it comes to Mhmm. inbound is that we don't ideally wanna go over the concessional contribution cap if the purpose is to over receive a boost super and through at the tax effective rate. Okay. Now currently, the concessional contribution cap for each financial year is 30,000. That Okay. does include your contributions from your employer. So at the moment, you get about $10,440 from your employer, so you do have plenty of space left if you do wanna put in more. Okay. Yeah. Yep. No. I think if I stick to the, like, you know, $20 even, $20 a week, It makes better a difference. than nothing. Yeah. Exactly. Now have you ever used pay calculator before? No. I don't think so. No. So it's just a website, paycalculator.com.au. Uh-huh. And I think it's really good, especially if you're trying to work out, well, how much can I salary sacrifice more so from how much is that going in impact my pay comp pay? Is that on the Mhmm. website, you can put your salary. It tells you your after tax income, and then you can actually put different salary sacrifice contribution amount. And you can change it weekly, annually, fortnightly, And you can kind of have a play around with the different amounts, and it will tell you how much you save in tax. It will then tell you what your pay will be, and then it will also tell you how much extra you put into super. So it Right.","start_word":1568,"end_word":1838,"sentiment":"neutral","sentiment_score":0.12497374112975554},{"text":"is Okay. a really good kind of tool to kind of get started on it.","start_word":1839,"end_word":1853,"sentiment":"positive","sentiment_score":0.7501270771026611},{"text":"Yep. I see that. Mhmm. But but what I can also do because we do also have here that we wanna review your superannuation portfolio a little bit. So Yes. part of part of the review, if you would like me to if you tell me, you know, I'm happy to put in $20 a week or $20 a fortnight, if you think that's okay savings point of view, I can Mhmm. always put this put the recommendation in a strategy paper for you and show you exactly what that would look like if you would like. Okay. Yeah. Sure. Let's Yep. do that. Yep. Now do you think that $20 a fortnight or week, or what do you think would be a good starting point? And you can always change it because it's just through your employer. So you can increase or decrease it, but, obviously, you don't wanna put too much in if it's going to impact your savings or bills and expenses. I will probably put $20 a week away because I get paid weekly. So $20 Okay. a week is nothing. So Yep. that yeah. I'll just get them to do that for me. Yep. Okay.","start_word":1854,"end_word":2053,"sentiment":"neutral","sentiment_score":0.13890022039413452},{"text":"Perfect.","start_word":2054,"end_word":2054,"sentiment":"positive","sentiment_score":0.5053671598434448},{"text":"Now with your portfolio as well, I think Samantha went through, I guess, an overview of the portfolio. She did. Yes. Mhmm. Yeah.","start_word":2055,"end_word":2077,"sentiment":"neutral","sentiment_score":0.18901047110557556},{"text":"Perfect.","start_word":2078,"end_word":2078,"sentiment":"positive","sentiment_score":0.4075303375720978},{"text":"And there is one one investment in the portfolio that I would like to look at swapping out, Mhmm. and that is your Benelon Concentrate and Australian Equity Fund. Now Okay. that one is a a managed fund.","start_word":2079,"end_word":2116,"sentiment":"neutral","sentiment_score":0.11537223309278488},{"text":"And, you know, when that was recommended in the portfolio, it was doing really, really well. And the purpose of it is to provide you with that kind of active management where they try to kind of outperform the market.","start_word":2117,"end_word":2156,"sentiment":"positive","sentiment_score":0.4449687898159027},{"text":"So they can cost a little bit more because they are trying to kind of actively buy and sell investments. Mhmm. They're trying to outperform the market. Sometimes it does, you know, very much pay off, but then other times, not always for the cost. Now that is the only active management portion you have in your portfolio. The rest are kind of your ETF. So they kinda just track and index a little bit cheaper and don't fluctuate as much. So your your Benelon investment, they have kind of underperformed a little bit lately. The Okay. biggest Sure. reason why they kind of have underperformed is that one of their investments that they had in the funds was the corporate travel group. No. Now they have you heard of them? No.","start_word":2157,"end_word":2288,"sentiment":"neutral","sentiment_score":-0.005276828072965145},{"text":"Essentially, they their reporting and stuff like that weren't great. They were doing some some stuff that they probably shouldn't, the company itself.","start_word":2289,"end_word":2311,"sentiment":"negative","sentiment_score":-0.35333681106567383},{"text":"So they got they got suspended from trading for a while. So because Okay. they were suspended from trading, it then kind of the, you know, undervalued and made the share prices drop because there was no Right. observable market price. So it wasn't Okay. Benelung themselves. It was one of their holdings. But because They're there right. was quite Okay. a exactly. So because of that still, though, it is something I do wanna look to change because Okay. they have they have dropped a bit. Your Benelung investment is the one that's kind of been underperformed in your portfolio, and the goal Sure. is obviously to making sure that we always have you in the best position at all times. So even Yes. though Correct. it was a great investment when you came on board and historically Mhmm. have done really well, right now, the way that we see it in investment committees, we don't really foresee it being one that we would like to keep around. We don't see it increasing as much, so, therefore, we wanna look at changing it. Mhmm. Okay. So if you are happy for me to do so, I will go and do a bit more research on your current investment, obviously, Sure. see how it's all going, make a couple of recommendations on options I think might be Okay.","start_word":2312,"end_word":2539,"sentiment":"neutral","sentiment_score":-0.00819399175152444},{"text":"good.","start_word":2540,"end_word":2540,"sentiment":"positive","sentiment_score":0.5211529731750488},{"text":"I'll present it to you, and then you can let me know what you would like to do. Yep.","start_word":2541,"end_word":2559,"sentiment":"neutral","sentiment_score":0.3047129809856415},{"text":"That'd be perfect. Yeah. Perfect.","start_word":2560,"end_word":2564,"sentiment":"positive","sentiment_score":0.5249204635620117},{"text":"Now with your current portfolio as well, we do have you invested in a high growth portfolio. Do you kind of remember growth portfolio. Do you kind of remember what the high growth is? Are you quite comfortable with it? Yes. Yes.","start_word":2565,"end_word":2606,"sentiment":"neutral","sentiment_score":0.12782834470272064},{"text":"I'm happy with it.","start_word":2607,"end_word":2610,"sentiment":"positive","sentiment_score":0.5200238823890686},{"text":"Yes. Yep. Yep. Okay. Yep.","start_word":2611,"end_word":2615,"sentiment":"neutral","sentiment_score":0.17268401384353638},{"text":"Perfect.","start_word":2616,"end_word":2616,"sentiment":"positive","sentiment_score":0.37496206164360046},{"text":"Now you do obviously have plenty of time on your And so time frame wise, you are in a good position of being in a high growth with the Okay. focus of obviously trying to maximize that growth as much as possible, you know, as long as you are comfortable seeing a bit of fluctuation short term to tryna Mhmm. get a growth in long term. Yeah. Absolutely. As Yeah.","start_word":2617,"end_word":2686,"sentiment":"neutral","sentiment_score":0.15900063514709473},{"text":"long as it's Perfect. gonna work in my benefit, I'm happy for that to keep going.","start_word":2687,"end_word":2702,"sentiment":"positive","sentiment_score":0.5357634425163269},{"text":"Yep. Correct.","start_word":2703,"end_word":2704,"sentiment":"neutral","sentiment_score":0.2378703206777573},{"text":"Perfect.","start_word":2705,"end_word":2705,"sentiment":"positive","sentiment_score":0.3662608861923218},{"text":"And you guys are looking after my best interest, obviously. Yes. That's why I'm tracking Yep. in all of that. So Yeah. yeah. Yeah. Perfect. And I guess when it comes to the asset allocation of the investment, typically, we see 90% in your growth investments in a high growth portfolio. So that is where you have your Australian shares, your international shares, your equity, your property, and stuff like that as well. We're trying to maximize that growth. And then we do have about 10% in your defensive investment. So that is like your cash, your gold, your fixed interest. We're trying to limit Mhmm. a little Alright. bit. So I'll have a look at that for you. Now I do wanna also check with you Okay. that we've recently I'm not sure if you've read our newsletter recently, but we've also recently so the investment committee have recently joined with BlackRock, which you may have heard of. They are one of the the biggest investment managers, and we've kind of created a model portfolio per se. So it's a an SMA, it's called. So it's a self managed account along Okay. with BlackRock. So how that works is that at the moment, we have what's called more a model portfolio individual investment in there in your hub hub accounts. And if we wanna go and make a change now, for example, with Benelon, we would have the conversation with you. We will go and do the research. I'll present you the recommendation, and then you let me know if you're happy with the change. Mhmm. The way that the SMA works slightly different is that even though it's kind of investing in those passive index funds as well, the underlying is a bit more of the active Mhmm. SMA, if you actually go into Hub 24, you can then click and see the investment, but it is a little bit less of that transparency because you do invest just directly in the SMA. Then we can kind of chop and change the investment based on, you know, if we just see one not doing well. So it allows us to very quickly make those changes if needed. Is that something that you're open to, or do you prefer kind of more having the full oversight with your I'm happy I'm investment.","start_word":2706,"end_word":3098,"sentiment":"neutral","sentiment_score":0.11427960558095354},{"text":"happy for that Mhmm.","start_word":3099,"end_word":3102,"sentiment":"positive","sentiment_score":0.36999455094337463},{"text":"as Okay. long as there is, you know, that I am updated, like, Yes. we could continue to have our updates. Like, Yes. you know, I don't want it I don't want things to be changed and, you know, and I lose everything. As long as it's No. gonna be something that's gonna be beneficial for me. Yeah. Yes.","start_word":3103,"end_word":3161,"sentiment":"neutral","sentiment_score":-0.05305973440408707},{"text":"Absolutely. Yeah. I'm happy I'll for have that to happen.","start_word":3162,"end_word":3171,"sentiment":"positive","sentiment_score":0.5452994704246521},{"text":"okay.","start_word":3172,"end_word":3172,"sentiment":"neutral","sentiment_score":0.31362515687942505},{"text":"Perfect.","start_word":3173,"end_word":3173,"sentiment":"positive","sentiment_score":0.5352368354797363},{"text":"I'll have a look at both options. Sorry. I'll have a look at them seeing if if the estimate is viable or if just swapping some of your current investments are the better for Mhmm. you. Because what we also wanna factor in is that by swapping some investments, that one that have gone up, there will be some potential capital gains tax associated with this. So we wanna obviously minimize that as much as possible as well. So Yep. Okay. I'll factor in all of it for you. I'll put together the recommendation, and that we can always take it from from Okay. there.","start_word":3174,"end_word":3278,"sentiment":"neutral","sentiment_score":0.08836984648590997},{"text":"Sounds Yep. good. Perfect.","start_word":3279,"end_word":3282,"sentiment":"positive","sentiment_score":0.4943823218345642},{"text":"Now it will take a couple of weeks to get all of this Oh, research that's fine. together.","start_word":3283,"end_word":3300,"sentiment":"neutral","sentiment_score":0.2231982946395874},{"text":"Perfect. Thank you.","start_word":3301,"end_word":3303,"sentiment":"positive","sentiment_score":0.5728616118431091},{"text":"I'd No just problem. rather be you know, it's in case you're not expecting it tomorrow. It is a No. bit Of of course a process. not. I know what it's like. I work in an office, so I know Yeah. what it's like too. Yes. And we wanna make it very thorough. We wanna make sure, you know, we do really do that in-depth research for you, so you don't wanna rush it. So as soon as Of course. I have it all ready, I will give you a call. I will run through the recommendation, and then we can always take it from there. Okay.","start_word":3304,"end_word":3410,"sentiment":"neutral","sentiment_score":0.0733509287238121},{"text":"Sounds good.","start_word":3411,"end_word":3412,"sentiment":"positive","sentiment_score":0.3809735774993897},{"text":"Was there any other questions or anything else that you wanted to discuss today otherwise? I don't think so. No. No. I don't think No. so. I was a little bit concerned about nothing to do with Super. I was just Mhmm. gonna obviously, I've got the funeral expenses for dad Yeah. that I still gotta pay. I was I know there's probably not an option in there, but I thought I'd just ask anyway if there's any financial assistance or anything that I can get through people or not really. There is it's a little bit tricky. There is one that's it's more financial hardship you can do through super, but, typically, Right. you'd have to be on Centrelink for twenty six weeks in order to tryna get that. Or there is another one where it's a compassionate grant. So that's more so if you need a medical surgery or anything like that and you Okay. can't pay pay for it, Yep. there are ways where you can potentially access some of the students for Yep. No. That's okay. I think I think the girls told that. me about that last time when I Okay. inquired Yeah. about it, obviously, before dad died. But yeah. No. That's fine. Look. I'm fine. I can Yeah. I'll Okay. handle it. I just thought I'd double check and see whether there Yeah. was anything available. Yeah. You know, pay all this money into your super need to know whether there's anything, obviously, with that building. So Yes. you can retire, Exactly. but if there is something Yeah. he can get, then that would be also Yeah. helpful. But Yeah. If it is well, you know, you really struggle, just let us know. We'll we'll obviously see if there's anything we can do. Or, you know, hopefully, if it is that you have to, you know, take out a loan or anything like that, I can always get a lender to give you a call if it comes to it, if you wanna assess different options. Okay. Yeah. No. Thank you. I Yeah. I should be fine. I'm pretty Okay. sure I'm pretty sure that I will be able to cover it. Okay. Yeah. Just, yeah, let us know how it's all going. Do you know if he had, any super insurances or anything like that that will be, paid out as well? Do you know? Sorry. What was that? Do you know if your dad had any, you know, superannuation or insurance policies or anything like that. I don't think so. No. Because Okay. he was 87. I think he used his I think he had, like, a life insured policy which he used a a while ago.","start_word":3413,"end_word":3868,"sentiment":"neutral","sentiment_score":-0.03907328145578504},{"text":"I don't think he's got any other super policy.","start_word":3869,"end_word":3877,"sentiment":"negative","sentiment_score":-0.3766130208969116},{"text":"Okay. Yep. Okay. Yeah. I'll I'll I'll do some more research and see if any of the rules have changed with that financial hardship when it comes to renewal. Mhmm. But last time I checked, it wasn't really an option. Do you know how much you would want to take if it if it is that it comes to it? Oh, well, I mean, the funeral cost amount of pocket for is $3,052. So Okay. it is probably only be, you know, 3,000 just to cover it, like, Yep. I think. Yep. Yep. Okay. Yeah. But Yeah. I think look. I should be able to work out an alternative. So it's Okay. no problem. But Okay. yeah. Okay. Yeah. Yeah. I wouldn't stress too much. I won't worry too much about that. Okay. I just Okay. thought I'd ask the question. Yeah. And it's a it's a very valid question. And, you know, if anything does change and you're really struggling, you know, just let us know. Would you like me to hold off on the salary sacrifice for like, you're not included right now is obviously, cash flow is a little bit tight at Oh, the moment. no. No. No. Keep No? it. No. That's That's fine. fine. I'll Okay. speak to them about it on tomorrow when I'm back in the office and Yep. start to get Okay. the ball rolling with that.","start_word":3878,"end_word":4112,"sentiment":"neutral","sentiment_score":-0.013374755159020424},{"text":"That's okay. Perfect. I'll show you the difference anyway in in the research papers so that you can see it.","start_word":4113,"end_word":4132,"sentiment":"positive","sentiment_score":0.4038255512714386},{"text":"Okay. If there's anything else, though, that you do need, just let me just let me know. But, otherwise, I'll go and do the research for Okay. you just to obviously see. And, obviously, with the the research as well, because you have your HUB 24, and then you Yes. also have Mercer Super as well for the purpose of your insurances. So you have a little bit of life and total permanent disability insurance in Mercer Super for you. Mhmm. Mhmm. So I'll have a review of the amount as well to see if we wanna change anything around to obviously make sure we have the most amount of money in the option that's going to give you the most, but still obviously making sure that we have enough Yes. in Okay. Mercer super to obviously keep those insurances active. Yes. Now with the insurances as well, there was another thing I just saw as well is that your contributions are currently going into hub 24. Yes. Now, typically, when we have a retained fund for the purposes of insurances, we'd like contributions going into that fund to keep your insurances active. Because Okay. if it's been if it's been sixteen months and there's been no contributions into Mercer Super, they Yep. may can cancel the insurances. So we don't want that. We can also complete an opt in form that basically says that you would like to opt in through those insurances and keep them active regardless. Okay. I'll Okay. have a bit of a review of it because we wanna make sure we keep those insurances there for you. But if it is, are are you happy if I do recommend to change contributions up, you know, into MRSA to keep those insurances active? Yes. Yes. Yes. It yeah. Yep. Okay. That's fine. Yep. Yeah. I'll have a look at that in a bit more in-depth when I do the research for you and then let you know where we should put it, just making sure we keep the insurances active. And we can always do Mhmm. regular rollovers anyway if it's appropriate into hub twenty four if that's what's going to obviously give you the most amount of the growth. Okay.","start_word":4133,"end_word":4507,"sentiment":"neutral","sentiment_score":0.08649901195367177},{"text":"Perfect.","start_word":4508,"end_word":4508,"sentiment":"positive","sentiment_score":0.47334471344947815},{"text":"Yep.","start_word":4509,"end_word":4509,"sentiment":"neutral","sentiment_score":0.31067609786987305},{"text":"Yep. But I'll get this sorted for you.","start_word":4510,"end_word":4517,"sentiment":"positive","sentiment_score":0.36861708760261536},{"text":"Is there any other questions or anything else you might need from me today? No. I think that's everything. No? We covered it all. No.","start_word":4518,"end_word":4542,"sentiment":"neutral","sentiment_score":0.10898271203041077},{"text":"Thank you so much.","start_word":4543,"end_word":4546,"sentiment":"positive","sentiment_score":0.39802810549736023},{"text":"Yeah. No problem. I will let you get back to your day. Hopefully, afternoon is not so busy. If there's Thank if there's you. anything else that you need, don't hesitate to give us a call. But, otherwise, I'll give you a call in a couple of weeks and run through all of this. And I'll also get the team to email you those beneficiaries so we can get that sorted for you.","start_word":4547,"end_word":4619,"sentiment":"neutral","sentiment_score":0.19084070704571188},{"text":"Okay. Sounds great. Thank you. No problem at all. But thank you so much for your time today, and I look forward to speaking with you in a couple of weeks. Thank you, and you too. Thanks. Bye.","start_word":4620,"end_word":4657,"sentiment":"positive","sentiment_score":0.7189997434616089},{"text":"Bye. Bye.","start_word":4658,"end_word":4659,"sentiment":"neutral","sentiment_score":0.2476739287376404}],"average":{"sentiment":"neutral","sentiment_score":0.08397224579308234}}}}