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Just giving you a call to speak to, I believe, both yourself and Michael. No worries at all. I can definitely start a bit of a chat with yourself. And then when Nick's available, I might just sort of go through a quick security check with him just to talk about his his details, if that makes sense. Perfect. Now I had you guys booked in to talk about potential strategies in terms of, like, pooling, superannuation, spouse contributions, things like that. Is that correct? Perfect. Any ideas or thoughts on your end about what you were hoping to get out of today's conversation? Right. That's right. I can see here there was some information about they'd recommended... Was it my North Super? Yep. And you're looking at some SOA fees. They presented you some advice, and it was looking at about 2.2%. It looked a little bit high, that kind of thing. Perfect. In terms of, I guess, the the fees themselves, did they give you a bit of a breakdown about charging, you know, upfront versus ongoing and a breakdown of their services. Yep. K. $8.60. If I could just quickly ask you as well. So just for a bit of context, they've given you a projection up to the age of 60. 600,000 is kind of what they're aiming for. You said that your super balance isn't too healthy at the moment. What would it be sitting out of them? Oh, okay. Hundred, hundred and five at the moment. And I don't mean to be to be rude, but in terms of time frames and date of birth and so on, how far away would 60 be for yourself? 45. Okay. So in fifteen years, you go from a hundred thousand to 600,000. Right. Okay. A bit lofty, but I'm assuming they've got some really good performance figures there. And did you kind of like what they recommended initially in terms of the the investments? Did it make sense? Okay. If you would like, so one thing that I can do is obviously go through how we conduct business and services and whatnot, fee structures and so on. But if you did wanna send through that advice document to us, I can give you a bit of a comparison to see if we do offer anything that would be, you know, less expensive than that if that's what you're looking for. Yeah. Absolutely. Not just about the fees. You do value trying to get the returns as well. Perfect. So what I might do too, do you mind if I grab down just a couple of basic details from yourself? Obviously, we will talk through Mick as well. But if we are going to be liaising with you, we just need to make sure that we've got your details correct as well. Perfect. Could I please get a contact number? Because I believe I've got this noted down from Mix Mobile. O four, double three, 136. Perfect. And an email address? Drama. Yeah. Q w, e e n. So drama queen with a q w. Festival @hotmail.com. Glad to see you still got your Hotmail address. I think mine's been locked for about twenty years. Just speak to the Hotmail. Okay. So that won't be changing anytime soon. Now one thing I do have to let you know is when we go through any kind of advice process, so we will need to send you through a financial services guide, which has our, like, licensing details, privacy policy, and so on on there. I will be sending through one to Mick as well because we have updated it since we last spoke. But I just wanna send a copy out to you as well separately. Perfect. And could I just grab your date of birth, please? Perfect. Now what usually happens is if we go through the initial discovery process and find that there is something we can do for you, we would obtain certified ID as part of the new sort of anti money laundering laws that have come in just to verify that you are who you say you are. Not that I don't trust you and Mick. Of course, he's got his partner on the phone, so that's totally fair enough. But we just have to do that as our due diligence. Perfect. Now one thing I was kind of looking forward to talking to Mick about as well is just in terms of joint joint planning and joint goals. Because whenever you have both partners on board, I tend to like to mix it in for some joint goals, especially because you guys are at that that age range where retirement's coming a bit more kind of crystal. It's not like we're not 28 years old. Just being like, you know, it's thirty years away. It's it's coming closer and closer, if that makes sense. Now he did put down that he was wanting to retire somewhere between the age of 60 and 65. Have you got a bit of a preference in terms of if I won the lotto, I'd be out of the rat race tomorrow, or you're gonna work right through till 70? Yep. Awesome. Usually, when I ask that question, it's a fifty fifty split across the country where half of Australia says, look. I'd retire tomorrow. The other half says, I wouldn't know what to do with myself. I always need something to do. Okay. What is it that you do for work? Support work. Okay. And is that LinkedIn with, like, the NDIS and everything? Or... Alright. NDIS support worker. Right. Right. And I do know a few people who have started businesses in the space that had transitioned from nursing. Were you a nurse beforehand straight into support work? That's always fun. Anita, how long have you been doing that for? Okay. Perfect. To decent extent to to know that you like doing it and... But you might not be able to do it forever. No. Is this in terms of just like the elderly population? Just, you know, forgetting where they are and getting aggressive? Right. Okay. So it takes a lot of skills to navigate the physical, emotional side and everything. Okay. Oh, that's very fun. They did mention he was wanting to look at possibly doing some contributions into your super, do a bit of spouse contributions there. One thing I can sort of say up front is that it gets him a bit of a deduction for if your income is under 37,000, under 40,000. What would we be sitting at? Like, 80, a 100? 130. Okay. So that is off the tape, unfortunately. Yeah. It's always the way. Child child care subsidy goes, the tax deductions and other contributions go, but, you know, the high... I wouldn't say high income earners, but the moment your wages get up there into 6 figures, you tend to lose the benefits and lose a lot of the options. It is. It is, but we navigate what we can. It's either that or just move countries, and that's probably not my recommendation for today. So we've got a 130,000. So you're both in that that bracket towards the sort of 32, 37% mark. Are you doing anything through work? Because I know they usually do salary packaging for certain things in that industry. Okay. So the only thing you've really got is, like, salary sacrifice to super, but nothing for the mortgage or expenses or anything like that. Okay. So no rem serve. That's not fun. Okay. We'll take that one off. And in terms of other priorities, so I was looking at a few things that that Mick was doing, but what would you say is your, I guess, individual focus for the next few years financially and and as a couple? Yep. Oh, perfect. So you got the refinance done. That's good. Seven years. That'd be amazing, wouldn't it? Do you feel like you need any help with that, or you think you... You're both kind of on track budgeting wise? Oh, good. Good. Good. A lot of people, you know, struggling with interest rates and the fuel prices and everything. So if you feel like you can make headway, that's good. Alrighty. Outside of that, anything else in particular? That's it. Bit of financial freedom once you got some cash flow freed up after the mortgage. And just in terms of, like, assets and liabilities, obviously, I I understand you guys have the the home and the mortgage. Is there anything individually that you would have in terms of assets, loans, anything that I need to factor in? Amazing. Could I grab an updated mortgage value from you if possible? Yeah. So what what would the total debt be now that you've consolidated? Okay. Can use that as a bit of a starting point. That's no worries at all. $5.25. And I will... I know you've... Okay. Oh, that's fine. It works well. Symbiotic. I will just grab from you. I know you've kind of already gone through this a bit when you went through with the other guys, but just in terms of your own personal savings and motor vehicle. Perfect. Resale value approximately is not too important. Just a bit of a rough estimate. Yep. K. Is that one of the new electric vehicles? Or... Perfect. And I don't know how you guys sort of do the finances at the moment in terms of joint accounts versus separate, but do you have savings off to the side under your own account? Yep. And it's all just pulled for the offset of the mortgage. And is that what you're using to kind of accelerate things, just pile as much cash into that as possible? Perfect. Perfect. Okay. So I've got a bit of an idea there. Just to kind of let you know a bit about myself as well. So I'm essentially taking over a mix file as a senior adviser. If you were to come on board with us, I would be looking after both of you guys. Of course, the entire team is available, but we do like to make sure that you do have someone dedicated to you as a couple. Now in terms of the way the the sort of fees work, so I was gonna go through with Mick a bit of an updated structure because we've just released some some discounts. Now normally, we would charge around about 1.65% ongoing for the fees rather than the sort of two and a half. For clients above 200,000, that drops. So we have a tiered structure where it then drops to 1.37, 1.1. As a couple, you guys would accelerate the tiers. So anything above 200, you would then jump to 1.1 pretty much straight away. Also, MyNorth, you mentioned earlier that was what was recommended for you for the Subaru. Do you remember at all any kind of, like, main reasoning behind why that one was picked? Okay. So they tried to get some good returns without putting you into anything high risk. Perfect. Do you remember, by any chance, what your risk profile came out as? Was it like a growth or a balance or something? No. That's okay. I can check it on the document. That's fine. With myNorth... So I don't wanna kind of go overboard with with the details, but MyNorth is a very well known... We call it a wrap platform. And one of the things that those are known for is that wrap platforms, generally, they're kind of like the Lamborghini of the Supa. They're a bit more expensive, but they have the most investment options. So rather than 10 to 15 as an super fund, Minerals got, like, 700 to choose from. It's actually very similar to Hub twenty four, which we have, Megan, which also have, like, 1,300 options. They are both wrap platforms. They're both kind of like... One's the Ferrari, one's the Lamborghini, if that makes sense. One of the cool things too is that Hub 24, just as an example, they do have things like family fee linking where you can link your super balances together, and that kind of accelerates fee discounts from the super fund as well, similar to the Oakview fee structure. So one of the comparing, obviously, the my North and what can be done inside that because we do have a lot of clients in my North and also in, for example, Hub 24, and just sort of see what would be a good fit for you guys as a couple. Do you think that's something that might be helpful? Cool. Any questions on that so far? Cool. In terms of, I guess, everything that's linked to that, so superannuation advice, we've got a bit of a retirement trajectory, 6062, '65. Obviously, there's insurances attached. You probably would have received insurance advice and and estate advice around your beneficiary nominations, things like that? Perfect. Was there anything in particular that you were looking for when it came to the insurances? Yep. Okay. So 600,000 of both life and TPD. And who's the the current Superfund that you're with? Would it be Hesta? Bit of a purple logo. Yep. Definitely Hesta there. I'm pretty familiar with Hesta. They've got some some interesting investments there. They do have a very limited choice. Basic insurance is there, which is cool too. I'll I'll need to see what what they do have it in there. Were you looking for any... Did you get, like, income protection or anything like that? Fair enough. Yeah. I'm assuming that you would have had employees setting up funds whenever you move between. And then, I guess, recently, when they changed legislation, it's all probably gone to to HESTA. Right? Yeah. K. No. I am familiar with Find My Super. They're they're in the news a lot these days. Don't know if you've seen the the articles and everything. No. That's okay. So one of the things that's really important when it comes to financial advice is we are under something called, like, a best interest duty. So we have, like, a whole code of ethics. We've gone through, like, an ethics exam, and a big part of that is find out what a client's goals are and then help them try and achieve the goals. That's literally the long and short of it. What was happening is that because financial advisers need to get clients, they would go through groups like Find My Super who would call people around and say, oh, I'll check out your super for you and then forward you off to an adviser to try and give you advice. But the government kinda looks down a little bit on that because just, you know, spam calling people from surveys and trying to sell them things is... It's kind of the old Wild West of the way the industry used to be. So pretty well frowned upon, but, look, people do need advice, and it's just trying to make sure you've got the right fit at the end of the day. Now I had a bit of a, like, a retirement goal with him as well, And I wanted to just kind of ask you the lifestyle. You mentioned pay off the mortgage, do some holidays, some travel, and so on. Have you thought about how much you would need as a couple or individually to live on? Yeah. It does. So one of the cool things about retirement, not to sort of just throw in so far down the track, but while you're earning an income, obviously, you're being taxed. Right? So let's say you're earning the, you know, $1.30, $1.40, or after tax, you're probably at 95, a 100 as an example. When you are in retirement, everything you're pulling out of super is tax free. So to get the same income, you don't need to have an... That much coming out because there won't be any taxes. And then if you chop off the mortgage, do you know what your repayments are around about? That's okay. I can get that from him. But, essentially, let's say, $500,000 mortgage. So let's say you're paying 700 a week and that mortgage is now cleared, well, you don't need the tax anymore and you don't need the 700 a week for the mortgage. So it just kind of lowers how much you actually need to to live on, essentially. Now one of the things... Sorry. Go ahead. That's okay. The the government gives you a bit of a guide, and they they do this big analysis across the whole country. And they say, oh, as a couple, like a comfortable lifestyle, you probably need about 70,000 as a couple for living expenses and some general holidays. And then you just kind of go up from there, if that makes sense. Does seem a bit low, doesn't it? It does. It does. And it's also a generational thing too. There's a lot of people who never had any super, and they just wanna get a bit more than the age pension. I'm assuming you probably don't wanna be living off Centrelink through your sixties and seventies. No. No. So what we essentially do is we go, okay. Well, what about a thousand dollars a week each after tax if you have the best? Yeah. So we go no mortgage, a thousand dollars a week, and then, like, a few holidays mixed in, you know, maybe one or two a year. We probably can't do five How does that sound? Cool. So I can kind of use that as a bit of a northern star to guide towards over the projections and everything. Mix in a few holidays. One thing I have to be very careful on is... I don't know if you've heard, like, in the news a lot. They're always throwing the word inflation around a lot. So cost of living keeps going up. Generally speaking, we need to factor in that in fifteen years' time, a thousand dollars a week won't buy what it currently does, if that makes sense. No. And then on top of that, inflation's higher than usual. Usually, it's like two or 3%, and now we see it's four, five, six. So that thousand dollars a week is kind of plummeting in what it can buy. So if you're comfortable, just as an idea, I would probably aim for, you know, 1,000 each with no mortgage in today's dollars and factor in what that would look like in fifteen years. How's that sound? Cool. Okay. So beyond that, I can look at a little bit of a like for like comparison. I don't really see too many issues with that life insurance that you mentioned and the TPD and and whatnot, unless you wanted me to do some quotes for, you know, income protection or trauma insurance. Cool. So I'll do a little bit of a like for like on that one, we call it. Estate planning wise, I guess I kind of already know the answer, but who are you wanting to leave the the super and the life insurance to? Right. And you guys have... Is it three three children? Three kids. Was it one dependent, two out of home? Okay. So two over 18, 11, 21, and 24. Is there anything that you would like to factor in for for the kids? K. Not doing any investing so they can get a house or anything crazy like that? So focus on the mortgage first, and then once that's done, then we can talk about other things. Yeah. No. That's totally fair. Did you guys end up getting, like, a will and a power of attorney put in place? Is that something that you feel like you should put in place? Cool. I'll give you a little bit of a tip there. I think we sent some some documents through to to Nick for a referral. Not sure if he still has those there, but we can always send those through again. Might give you a bit of a helping hand. Cool. Can I grab from you as well just quick? I'm just looking at the details I've already noted down. Your employer... Your employee's name, if I could grab that, please. Lemonade. Very cute name. I like it. How are they to work for? Okay. Pretty good. Asset liabilities. Anita, have you ever gone through a bankruptcy or debt agreement before? Yep. Love to hear. And when you went through with the guys to get that initial advice, did you have any conversations with them in terms of health question for the insurance side of things. K. One thing I will let you know is that when it comes to insurances, if you were to switch super funds and try and replace that policy with the life and TPD that you were saying, you would go through an application, and they would go through health history. So if you have had this diagnosed, any medication, things like that, what tends to happen is if you have any preexisting conditions, let's say, you can get things like exclusions where they say, oh, you've had a knee reconstruction, so we're gonna exclude your knee, and you can't actually claim on that if something were to happen to you. Does that sort of make sense? Do you... Are you comfortable for me to ask you some of those questions tonight, or would you prefer further down the line? Cool. So the main thing I would ask is in terms of any current medications. Okay. And is that for anything kind of pain related or mental health related? Sleeping. Okay. Cool. They will always ask the following questions about sleeping. You know, is there sleep apnea there, anything like that, any conditions that it's linked to, or is it just a sleep aid? Yep. Get to sleep. Perfect. Have you ever been hospitalized or any major injuries? Fantastic. And have you ever been diagnosed with any any kind of condition? Migraines. Migraines. That is always a fun one. Not to go too deep into it, but the insurers, for some odd reason, they absolutely hate migraines or at least untreated. I know my sister in law's got, like, a piercing in her ear to help reduce migraines things like that. Have you ever been, I guess, recommended to go see, like, a neurological specialist to do with the migraines? Yeah. K. Perfect. So that's all kind of linked together a little little bit. Yeah. No worries. So there was a specialist before. Was that, like, the last five years, or was that ten, fifteen years ago? Over ten years ago. So when they go through that, they usually get some some doctor's reports not to try and make it the the hardest thing in the world. But when they do that, was there any recommendations from the doctors about follow-up treatments or surgeries? Perfect. So what I usually do from there is NDIS support worker is, I guess, your occupation rating. That affects the price. So we'll call around all the insurers. We'll see who was recommended already, see if I can find someone that gives you the best price for your occupation. And then it's basically just a call around regarding migraines, which we do anonymously. We actually call the insurers up and say this is what's going on. They may ask us a few follow-up questions, and we may need just a little bit more details from you as well. Perfect. Failing that, there is also things like transfer of insurances. So if there's an issue where they wouldn't cover you for something, you can possibly even just transfer your insurances across as they are, and it may be far cheaper than what you're currently paying as well. Would you be comfortable for me to look into that as an option? Cool. Yeah. Correct. And through HESTA, what they've got is, like, one of the major five insurers offer the cover through the super fund, and that can actually be, like, captured and moved across to, for example, a MyNorth or a Hub twenty four or somebody. I know MyNorth is actually releasing their own transfer of insurances in, I think, November. So that may be coming up there as well. Cool. Alright. So I've got a pretty good idea of the situation there. Are you able to possibly take down our email address to send through that advice document to us? Yep. If you do have maybe, like, a notes app on the phone or a pen and paper handy, just let me know when you're when you're ready. Perfect. So we go research. And then this one's a bit of a mouthful, but it's at oakviewfinancial.com.au. So oakviewfinancial.com.au. Perfect. So what I'll basically be doing is just having a look at what was in there, do some comparisons, and see if there's something that kind of links in for you guys as a couple where I can maybe get you some extra benefits there. And then we would pretty much just book in for a statement of advice presentation. You probably would have had that with the other guys where they walk you through the documents maybe with Nick on the phone. Is that what happened? Yep. So maybe a similar thing like that. Usually takes me about fifteen minutes or so. Cool. Any questions for me so far, Anita? Cool. I was just gonna double check before I kind of wrap up my side of things. Is Mick available still to go through anything tonight, or is that kind of in --? Oh, poor guy. He's gonna have a rough night. One thing I'll do, if it's possible, is maybe just let Mick know that the the old spouse contributions are probably not the go just based on your income. But there are obviously the couple's discounts for both Oakview and with certain super funds that I'll look into to for both of you guys. And the last thing too is we do have to go through just a little bit of a updated review for him as well because there was just a few things that he had spoken to one of the advisers about recently, and we just wanted to kind of run through any updates to his circumstances, which obviously I can't talk about because I haven't gone through security with him yet. So if you can let him know, that'd be fantastic. Cool. Basically, from here, I'll just wait to get that email through. I'll give it to the team to analyze, and we'll get you booked in after that. Is there anything else that I can help you with? Yeah. That'd be great. Do you want me to hang around on the phone for a couple more minutes for Mick, or do you think that kind of helps enough tonight? Not that I'm in a rush to get off the phone at all. I've got a whole, you know, hour, hour and a half booked out for you guys. I'm totally happy to wait on hold or whatever he needs. Thank you. That is okay. So what I might do is I will kind of build you a file on our system just so all the information is there that we've talked about today. And I would just reach out or send Mick an email, text message just to let him know that I'd like to sort of do a catch up with him as well, and and then we can go from there. Awesome, Anita. Thank you so much for your time tonight. I really appreciate it. Alrighty. Talk to you soon. Thank you. 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afternoon. That must be Anita. Hi, Anita. It's Tommy here, senior adviser from Homeview. How are you doing?\n\nI'm doing fantastic. Just giving you a call to speak to, I believe, both yourself and Michael. No worries at all. I can definitely start a bit of a chat with yourself. And then when Nick's available, I might just sort of go through a quick security check with him just to talk about his his details, if that makes sense.\n\nPerfect. Now I had you guys booked in to talk about potential strategies in terms of, like, pooling, superannuation, spouse contributions, things like that. Is that correct? Perfect. Any ideas or thoughts on your end about what you were hoping to get out of today's conversation?\n\nRight. That's right. I can see here there was some information about they'd recommended... Was it my North Super? Yep.\n\nAnd you're looking at some SOA fees. They presented you some advice, and it was looking at about 2.2%. It looked a little bit high, that kind of thing. Perfect. In terms of, I guess, the the fees themselves, did they give you a bit of a breakdown about charging, you know, upfront versus ongoing and a breakdown of their services.\n\nYep. K. $8.60. If I could just quickly ask you as well. So just for a bit of context, they've given you a projection up to the age of 60.\n\n600,000 is kind of what they're aiming for. You said that your super balance isn't too healthy at the moment. What would it be sitting out of them? Oh, okay. Hundred, hundred and five at the moment.\n\nAnd I don't mean to be to be rude, but in terms of time frames and date of birth and so on, how far away would 60 be for yourself? 45. Okay. So in fifteen years, you go from a hundred thousand to 600,000. Right.\n\nOkay. A bit lofty, but I'm assuming they've got some really good performance figures there. And did you kind of like what they recommended initially in terms of the the investments? Did it make sense? Okay.\n\nIf you would like, so one thing that I can do is obviously go through how we conduct business and services and whatnot, fee structures and so on. But if you did wanna send through that advice document to us, I can give you a bit of a comparison to see if we do offer anything that would be, you know, less expensive than that if that's what you're looking for. Yeah. Absolutely. Not just about the fees.\n\nYou do value trying to get the returns as well. Perfect. So what I might do too, do you mind if I grab down just a couple of basic details from yourself? Obviously, we will talk through Mick as well. But if we are going to be liaising with you, we just need to make sure that we've got your details correct as well.\n\nPerfect. Could I please get a contact number? Because I believe I've got this noted down from Mix Mobile. O four, double three, 136. Perfect.\n\nAnd an email address? Drama. Yeah. Q w, e e n. So drama queen with a q w.\n\nFestival @hotmail.com. Glad to see you still got your Hotmail address. I think mine's been locked for about twenty years. Just speak to the Hotmail. Okay.\n\nSo that won't be changing anytime soon. Now one thing I do have to let you know is when we go through any kind of advice process, so we will need to send you through a financial services guide, which has our, like, licensing details, privacy policy, and so on on there. I will be sending through one to Mick as well because we have updated it since we last spoke. But I just wanna send a copy out to you as well separately. Perfect.\n\nAnd could I just grab your date of birth, please? Perfect. Now what usually happens is if we go through the initial discovery process and find that there is something we can do for you, we would obtain certified ID as part of the new sort of anti money laundering laws that have come in just to verify that you are who you say you are. Not that I don't trust you and Mick. Of course, he's got his partner on the phone, so that's totally fair enough.\n\nBut we just have to do that as our due diligence. Perfect. Now one thing I was kind of looking forward to talking to Mick about as well is just in terms of joint joint planning and joint goals. Because whenever you have both partners on board, I tend to like to mix it in for some joint goals, especially because you guys are at that that age range where retirement's coming a bit more kind of crystal. It's not like we're not 28 years old.\n\nJust being like, you know, it's thirty years away. It's it's coming closer and closer, if that makes sense. Now he did put down that he was wanting to retire somewhere between the age of 60 and 65. Have you got a bit of a preference in terms of if I won the lotto, I'd be out of the rat race tomorrow, or you're gonna work right through till 70? Yep.\n\nAwesome. Usually, when I ask that question, it's a fifty fifty split across the country where half of Australia says, look. I'd retire tomorrow. The other half says, I wouldn't know what to do with myself. I always need something to do.\n\nOkay. What is it that you do for work? Support work. Okay. And is that LinkedIn with, like, the NDIS and everything?\n\nOr... Alright. NDIS support worker. Right. Right.\n\nAnd I do know a few people who have started businesses in the space that had transitioned from nursing. Were you a nurse beforehand straight into support work? That's always fun. Anita, how long have you been doing that for? Okay.\n\nPerfect. To decent extent to to know that you like doing it and... But you might not be able to do it forever. No. Is this in terms of just like the elderly population?\n\nJust, you know, forgetting where they are and getting aggressive? Right. Okay. So it takes a lot of skills to navigate the physical, emotional side and everything. Okay.\n\nOh, that's very fun. They did mention he was wanting to look at possibly doing some contributions into your super, do a bit of spouse contributions there. One thing I can sort of say up front is that it gets him a bit of a deduction for if your income is under 37,000, under 40,000. What would we be sitting at? Like, 80, a 100?\n\n130. Okay. So that is off the tape, unfortunately. Yeah. It's always the way.\n\nChild child care subsidy goes, the tax deductions and other contributions go, but, you know, the high... I wouldn't say high income earners, but the moment your wages get up there into 6 figures, you tend to lose the benefits and lose a lot of the options. It is. It is, but we navigate what we can. It's either that or just move countries, and that's probably not my recommendation for today.\n\nSo we've got a 130,000. So you're both in that that bracket towards the sort of 32, 37% mark. Are you doing anything through work? Because I know they usually do salary packaging for certain things in that industry. Okay.\n\nSo the only thing you've really got is, like, salary sacrifice to super, but nothing for the mortgage or expenses or anything like that. Okay. So no rem serve. That's not fun. Okay.\n\nWe'll take that one off. And in terms of other priorities, so I was looking at a few things that that Mick was doing, but what would you say is your, I guess, individual focus for the next few years financially and and as a couple? Yep. Oh, perfect. So you got the refinance done.\n\nThat's good. Seven years. That'd be amazing, wouldn't it? Do you feel like you need any help with that, or you think you... You're both kind of on track budgeting wise?\n\nOh, good. Good. Good. A lot of people, you know, struggling with interest rates and the fuel prices and everything. So if you feel like you can make headway, that's good.\n\nAlrighty. Outside of that, anything else in particular? That's it. Bit of financial freedom once you got some cash flow freed up after the mortgage. And just in terms of, like, assets and liabilities, obviously, I I understand you guys have the the home and the mortgage.\n\nIs there anything individually that you would have in terms of assets, loans, anything that I need to factor in? Amazing. Could I grab an updated mortgage value from you if possible? Yeah. So what what would the total debt be now that you've consolidated?\n\nOkay. Can use that as a bit of a starting point. That's no worries at all. $5.25. And I will...\n\nI know you've... Okay. Oh, that's fine. It works well. Symbiotic.\n\nI will just grab from you. I know you've kind of already gone through this a bit when you went through with the other guys, but just in terms of your own personal savings and motor vehicle. Perfect. Resale value approximately is not too important. Just a bit of a rough estimate.\n\nYep. K. Is that one of the new electric vehicles? Or... Perfect.\n\nAnd I don't know how you guys sort of do the finances at the moment in terms of joint accounts versus separate, but do you have savings off to the side under your own account? Yep. And it's all just pulled for the offset of the mortgage. And is that what you're using to kind of accelerate things, just pile as much cash into that as possible? Perfect.\n\nPerfect. Okay. So I've got a bit of an idea there. Just to kind of let you know a bit about myself as well. So I'm essentially taking over a mix file as a senior adviser.\n\nIf you were to come on board with us, I would be looking after both of you guys. Of course, the entire team is available, but we do like to make sure that you do have someone dedicated to you as a couple. Now in terms of the way the the sort of fees work, so I was gonna go through with Mick a bit of an updated structure because we've just released some some discounts. Now normally, we would charge around about 1.65% ongoing for the fees rather than the sort of two and a half. For clients above 200,000, that drops.\n\nSo we have a tiered structure where it then drops to 1.37, 1.1. As a couple, you guys would accelerate the tiers. So anything above 200, you would then jump to 1.1 pretty much straight away. Also, MyNorth, you mentioned earlier that was what was recommended for you for the Subaru. Do you remember at all any kind of, like, main reasoning behind why that one was picked?\n\nOkay. So they tried to get some good returns without putting you into anything high risk. Perfect. Do you remember, by any chance, what your risk profile came out as? Was it like a growth or a balance or something?\n\nNo. That's okay. I can check it on the document. That's fine. With myNorth...\n\nSo I don't wanna kind of go overboard with with the details, but MyNorth is a very well known... We call it a wrap platform. And one of the things that those are known for is that wrap platforms, generally, they're kind of like the Lamborghini of the Supa. They're a bit more expensive, but they have the most investment options. So rather than 10 to 15 as an super fund, Minerals got, like, 700 to choose from.\n\nIt's actually very similar to Hub twenty four, which we have, Megan, which also have, like, 1,300 options. They are both wrap platforms. They're both kind of like... One's the Ferrari, one's the Lamborghini, if that makes sense. One of the cool things too is that Hub 24, just as an example, they do have things like family fee linking where you can link your super balances together, and that kind of accelerates fee discounts from the super fund as well, similar to the Oakview fee structure.\n\nSo one of the comparing, obviously, the my North and what can be done inside that because we do have a lot of clients in my North and also in, for example, Hub 24, and just sort of see what would be a good fit for you guys as a couple. Do you think that's something that might be helpful? Cool. Any questions on that so far? Cool.\n\nIn terms of, I guess, everything that's linked to that, so superannuation advice, we've got a bit of a retirement trajectory, 6062, '65. Obviously, there's insurances attached. You probably would have received insurance advice and and estate advice around your beneficiary nominations, things like that? Perfect. Was there anything in particular that you were looking for when it came to the insurances?\n\nYep. Okay. So 600,000 of both life and TPD. And who's the the current Superfund that you're with? Would it be Hesta?\n\nBit of a purple logo. Yep. Definitely Hesta there. I'm pretty familiar with Hesta. They've got some some interesting investments there.\n\nThey do have a very limited choice. Basic insurance is there, which is cool too. I'll I'll need to see what what they do have it in there. Were you looking for any... Did you get, like, income protection or anything like that?\n\nFair enough. Yeah. I'm assuming that you would have had employees setting up funds whenever you move between. And then, I guess, recently, when they changed legislation, it's all probably gone to to HESTA. Right?\n\nYeah. K. No. I am familiar with Find My Super. They're they're in the news a lot these days.\n\nDon't know if you've seen the the articles and everything. No. That's okay. So one of the things that's really important when it comes to financial advice is we are under something called, like, a best interest duty. So we have, like, a whole code of ethics.\n\nWe've gone through, like, an ethics exam, and a big part of that is find out what a client's goals are and then help them try and achieve the goals. That's literally the long and short of it. What was happening is that because financial advisers need to get clients, they would go through groups like Find My Super who would call people around and say, oh, I'll check out your super for you and then forward you off to an adviser to try and give you advice. But the government kinda looks down a little bit on that because just, you know, spam calling people from surveys and trying to sell them things is... It's kind of the old Wild West of the way the industry used to be.\n\nSo pretty well frowned upon, but, look, people do need advice, and it's just trying to make sure you've got the right fit at the end of the day. Now I had a bit of a, like, a retirement goal with him as well, And I wanted to just kind of ask you the lifestyle. You mentioned pay off the mortgage, do some holidays, some travel, and so on. Have you thought about how much you would need as a couple or individually to live on? Yeah.\n\nIt does. So one of the cool things about retirement, not to sort of just throw in so far down the track, but while you're earning an income, obviously, you're being taxed. Right? So let's say you're earning the, you know, $1.30, $1.40, or after tax, you're probably at 95, a 100 as an example. When you are in retirement, everything you're pulling out of super is tax free.\n\nSo to get the same income, you don't need to have an... That much coming out because there won't be any taxes. And then if you chop off the mortgage, do you know what your repayments are around about? That's okay. I can get that from him.\n\nBut, essentially, let's say, $500,000 mortgage. So let's say you're paying 700 a week and that mortgage is now cleared, well, you don't need the tax anymore and you don't need the 700 a week for the mortgage. So it just kind of lowers how much you actually need to to live on, essentially. Now one of the things... Sorry.\n\nGo ahead. That's okay. The the government gives you a bit of a guide, and they they do this big analysis across the whole country. And they say, oh, as a couple, like a comfortable lifestyle, you probably need about 70,000 as a couple for living expenses and some general holidays. And then you just kind of go up from there, if that makes sense.\n\nDoes seem a bit low, doesn't it? It does. It does. And it's also a generational thing too. There's a lot of people who never had any super, and they just wanna get a bit more than the age pension.\n\nI'm assuming you probably don't wanna be living off Centrelink through your sixties and seventies. No. No. So what we essentially do is we go, okay. Well, what about a thousand dollars a week each after tax if you have the best?\n\nYeah. So we go no mortgage, a thousand dollars a week, and then, like, a few holidays mixed in, you know, maybe one or two a year. We probably can't do five How does that sound? Cool. So I can kind of use that as a bit of a northern star to guide towards over the projections and everything.\n\nMix in a few holidays. One thing I have to be very careful on is... I don't know if you've heard, like, in the news a lot. They're always throwing the word inflation around a lot. So cost of living keeps going up.\n\nGenerally speaking, we need to factor in that in fifteen years' time, a thousand dollars a week won't buy what it currently does, if that makes sense. No. And then on top of that, inflation's higher than usual. Usually, it's like two or 3%, and now we see it's four, five, six. So that thousand dollars a week is kind of plummeting in what it can buy.\n\nSo if you're comfortable, just as an idea, I would probably aim for, you know, 1,000 each with no mortgage in today's dollars and factor in what that would look like in fifteen years. How's that sound? Cool. Okay. So beyond that, I can look at a little bit of a like for like comparison.\n\nI don't really see too many issues with that life insurance that you mentioned and the TPD and and whatnot, unless you wanted me to do some quotes for, you know, income protection or trauma insurance. Cool. So I'll do a little bit of a like for like on that one, we call it. Estate planning wise, I guess I kind of already know the answer, but who are you wanting to leave the the super and the life insurance to? Right.\n\nAnd you guys have... Is it three three children? Three kids. Was it one dependent, two out of home? Okay.\n\nSo two over 18, 11, 21, and 24. Is there anything that you would like to factor in for for the kids? K. Not doing any investing so they can get a house or anything crazy like that? So focus on the mortgage first, and then once that's done, then we can talk about other things.\n\nYeah. No. That's totally fair. Did you guys end up getting, like, a will and a power of attorney put in place? Is that something that you feel like you should put in place?\n\nCool. I'll give you a little bit of a tip there. I think we sent some some documents through to to Nick for a referral. Not sure if he still has those there, but we can always send those through again. Might give you a bit of a helping hand.\n\nCool. Can I grab from you as well just quick? I'm just looking at the details I've already noted down. Your employer... Your employee's name, if I could grab that, please.\n\nLemonade. Very cute name. I like it. How are they to work for? Okay.\n\nPretty good. Asset liabilities. Anita, have you ever gone through a bankruptcy or debt agreement before? Yep. Love to hear.\n\nAnd when you went through with the guys to get that initial advice, did you have any conversations with them in terms of health question for the insurance side of things. K. One thing I will let you know is that when it comes to insurances, if you were to switch super funds and try and replace that policy with the life and TPD that you were saying, you would go through an application, and they would go through health history. So if you have had this diagnosed, any medication, things like that, what tends to happen is if you have any preexisting conditions, let's say, you can get things like exclusions where they say, oh, you've had a knee reconstruction, so we're gonna exclude your knee, and you can't actually claim on that if something were to happen to you. Does that sort of make sense?\n\nDo you... Are you comfortable for me to ask you some of those questions tonight, or would you prefer further down the line? Cool. So the main thing I would ask is in terms of any current medications. Okay.\n\nAnd is that for anything kind of pain related or mental health related? Sleeping. Okay. Cool. They will always ask the following questions about sleeping.\n\nYou know, is there sleep apnea there, anything like that, any conditions that it's linked to, or is it just a sleep aid? Yep. Get to sleep. Perfect. Have you ever been hospitalized or any major injuries?\n\nFantastic. And have you ever been diagnosed with any any kind of condition? Migraines. Migraines. That is always a fun one.\n\nNot to go too deep into it, but the insurers, for some odd reason, they absolutely hate migraines or at least untreated. I know my sister in law's got, like, a piercing in her ear to help reduce migraines things like that. Have you ever been, I guess, recommended to go see, like, a neurological specialist to do with the migraines? Yeah. K.\n\nPerfect. So that's all kind of linked together a little little bit. Yeah. No worries. So there was a specialist before.\n\nWas that, like, the last five years, or was that ten, fifteen years ago? Over ten years ago. So when they go through that, they usually get some some doctor's reports not to try and make it the the hardest thing in the world. But when they do that, was there any recommendations from the doctors about follow-up treatments or surgeries? Perfect.\n\nSo what I usually do from there is NDIS support worker is, I guess, your occupation rating. That affects the price. So we'll call around all the insurers. We'll see who was recommended already, see if I can find someone that gives you the best price for your occupation. And then it's basically just a call around regarding migraines, which we do anonymously.\n\nWe actually call the insurers up and say this is what's going on. They may ask us a few follow-up questions, and we may need just a little bit more details from you as well. Perfect. Failing that, there is also things like transfer of insurances. So if there's an issue where they wouldn't cover you for something, you can possibly even just transfer your insurances across as they are, and it may be far cheaper than what you're currently paying as well.\n\nWould you be comfortable for me to look into that as an option? Cool. Yeah. Correct. And through HESTA, what they've got is, like, one of the major five insurers offer the cover through the super fund, and that can actually be, like, captured and moved across to, for example, a MyNorth or a Hub twenty four or somebody.\n\nI know MyNorth is actually releasing their own transfer of insurances in, I think, November. So that may be coming up there as well. Cool. Alright. So I've got a pretty good idea of the situation there.\n\nAre you able to possibly take down our email address to send through that advice document to us? Yep. If you do have maybe, like, a notes app on the phone or a pen and paper handy, just let me know when you're when you're ready. Perfect. So we go research.\n\nAnd then this one's a bit of a mouthful, but it's at oakviewfinancial.com.au. So oakviewfinancial.com.au. Perfect. So what I'll basically be doing is just having a look at what was in there, do some comparisons, and see if there's something that kind of links in for you guys as a couple where I can maybe get you some extra benefits there. And then we would pretty much just book in for a statement of advice presentation.\n\nYou probably would have had that with the other guys where they walk you through the documents maybe with Nick on the phone. Is that what happened? Yep. So maybe a similar thing like that. Usually takes me about fifteen minutes or so.\n\nCool. Any questions for me so far, Anita? Cool. I was just gonna double check before I kind of wrap up my side of things. Is Mick available still to go through anything tonight, or is that kind of in --?\n\nOh, poor guy. He's gonna have a rough night. One thing I'll do, if it's possible, is maybe just let Mick know that the the old spouse contributions are probably not the go just based on your income. But there are obviously the couple's discounts for both Oakview and with certain super funds that I'll look into to for both of you guys. And the last thing too is we do have to go through just a little bit of a updated review for him as well because there was just a few things that he had spoken to one of the advisers about recently, and we just wanted to kind of run through any updates to his circumstances, which obviously I can't talk about because I haven't gone through security with him yet.\n\nSo if you can let him know, that'd be fantastic. Cool. Basically, from here, I'll just wait to get that email through. I'll give it to the team to analyze, and we'll get you booked in after that. Is there anything else that I can help you with?\n\nYeah. That'd be great. Do you want me to hang around on the phone for a couple more minutes for Mick, or do you think that kind of helps enough tonight? Not that I'm in a rush to get off the phone at all. I've got a whole, you know, hour, hour and a half booked out for you guys.\n\nI'm totally happy to wait on hold or whatever he needs. Thank you. That is okay. So what I might do is I will kind of build you a file on our system just so all the information is there that we've talked about today. And I would just reach out or send Mick an email, text message just to let him know that I'd like to sort of do a catch up with him as well, and and then we can go from there.\n\nAwesome, Anita. Thank you so much for your time tonight. I really appreciate it. Alrighty. Talk to you soon.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.8,"end":3.6,"sentiment":"neutral","sentiment_score":0.23213834315538406},{"text":"That must be Anita.","start":3.6,"end":4.58,"sentiment":"neutral","sentiment_score":0.2042047083377838},{"text":"Hi, Anita.","start":5.92,"end":6.56,"sentiment":"neutral","sentiment_score":0.17188678681850433},{"text":"It's Tommy here, senior adviser from Homeview.","start":6.56,"end":8.4,"sentiment":"neutral","sentiment_score":0.1772947758436203},{"text":"How are you doing?","start":8.4,"end":9.22,"sentiment":"neutral","sentiment_score":0.20023798570036888}],"sentiment":"neutral","sentiment_score":0.19299391931609103,"num_words":19,"start":2.8,"end":9.22},{"sentences":[{"text":"I'm doing fantastic.","start":10.8,"end":11.86,"sentiment":"positive","sentiment_score":0.7309239705403646},{"text":"Just giving you a call to speak to, I believe, both yourself and Michael.","start":12.605,"end":15.985,"sentiment":"positive","sentiment_score":0.34045145979949404},{"text":"No worries at all.","start":22.045,"end":22.925,"sentiment":"neutral","sentiment_score":0.2396542876958847},{"text":"I can definitely start a bit of a chat with yourself.","start":22.925,"end":25.185,"sentiment":"positive","sentiment_score":0.40474570339376276},{"text":"And then when Nick's available, I might just sort of go through a quick security check with him just to talk about his his details, if that makes sense.","start":25.724998,"end":35.04,"sentiment":"neutral","sentiment_score":0.08349178564445726}],"sentiment":"neutral","sentiment_score":0.24247826263308525,"num_words":61,"start":10.8,"end":35.04},{"sentences":[{"text":"Perfect.","start":36.22,"end":36.72,"sentiment":"positive","sentiment_score":0.4086853265762329},{"text":"Now I had you guys booked in to talk about potential strategies in terms of, like, pooling, superannuation, spouse contributions, things like that.","start":37.02,"end":45.625,"sentiment":"neutral","sentiment_score":0.12441315825866617},{"text":"Is that correct?","start":45.625,"end":46.365,"sentiment":"neutral","sentiment_score":0.07414977252483368},{"text":"Perfect.","start":48.265,"end":48.765,"sentiment":"neutral","sentiment_score":0.2666088342666626},{"text":"Any ideas or thoughts on your end about what you were hoping to get out of today's conversation?","start":49.065002,"end":53.405,"sentiment":"neutral","sentiment_score":0.09981750903858079}],"sentiment":"neutral","sentiment_score":0.12078176697959071,"num_words":46,"start":36.22,"end":53.405},{"sentences":[{"text":"Right.","start":68.04,"end":68.325,"sentiment":"neutral","sentiment_score":-0.14700418710708618},{"text":"That's right.","start":80.80499,"end":81.39,"sentiment":"neutral","sentiment_score":-0.01827672217041254},{"text":"I can see here there was some information about they'd recommended...","start":81.39,"end":84.37,"sentiment":"neutral","sentiment_score":-0.010459580543366346},{"text":"Was it my North Super?","start":84.67,"end":86.21,"sentiment":"neutral","sentiment_score":-0.016650458239018916},{"text":"Yep.","start":87.47,"end":87.87,"sentiment":"neutral","sentiment_score":-0.012148420326411724}],"sentiment":"neutral","sentiment_score":-0.01970068644732237,"num_words":20,"start":68.04,"end":87.87},{"sentences":[{"text":"And you're looking at some SOA fees.","start":87.87,"end":90.29,"sentiment":"neutral","sentiment_score":-0.039709514805248806},{"text":"They presented you some advice, and it was looking at about 2.2%.","start":90.51,"end":93.71001,"sentiment":"neutral","sentiment_score":-0.04877828946337104},{"text":"It looked a little bit high, that kind of thing.","start":93.71001,"end":95.795,"sentiment":"neutral","sentiment_score":-0.1251295231282711},{"text":"Perfect.","start":97.055,"end":97.555,"sentiment":"neutral","sentiment_score":0.11013707518577576},{"text":"In terms of, I guess, the the fees themselves, did they give you a bit of a breakdown about charging, you know, upfront versus ongoing and a breakdown of their services.","start":98.175,"end":108.72,"sentiment":"neutral","sentiment_score":-0.02917837868294408}],"sentiment":"neutral","sentiment_score":-0.04768842577812125,"num_words":61,"start":87.87,"end":108.72},{"sentences":[{"text":"Yep.","start":126.314995,"end":126.814995,"sentiment":"neutral","sentiment_score":-0.02751362696290016},{"text":"K.","start":127.034996,"end":127.534996,"sentiment":"neutral","sentiment_score":-0.035552337765693665},{"text":"$8.60.","start":134.715,"end":136.02,"sentiment":"neutral","sentiment_score":0.05082686245441437},{"text":"If I could just quickly ask you as well.","start":136.56,"end":138.32,"sentiment":"neutral","sentiment_score":0.07736900862720278},{"text":"So just for a bit of context, they've given you a projection up to the age of 60.","start":138.32,"end":143.14,"sentiment":"neutral","sentiment_score":0.060838244648443326}],"sentiment":"neutral","sentiment_score":0.05930567930142085,"num_words":30,"start":126.314995,"end":143.14},{"sentences":[{"text":"600,000 is kind of what they're aiming for.","start":143.52,"end":146.34,"sentiment":"neutral","sentiment_score":0.22130420058965683},{"text":"You said that your super balance isn't too healthy at the moment.","start":147.28,"end":150.24,"sentiment":"neutral","sentiment_score":-0.3024410953124364},{"text":"What would it be sitting out of them?","start":150.24,"end":153.161,"sentiment":"neutral","sentiment_score":-0.22710870392620564},{"text":"Oh, okay.","start":153.429,"end":154.69699,"sentiment":"neutral","sentiment_score":-0.06257376447319984},{"text":"Hundred, hundred and five at the moment.","start":154.965,"end":157.225,"sentiment":"neutral","sentiment_score":-0.061669502939496725}],"sentiment":"neutral","sentiment_score":-0.1143936005395812,"num_words":37,"start":143.52,"end":157.225},{"sentences":[{"text":"And I don't mean to be to be rude, but in terms of time frames and date of birth and so on, how far away would 60 be for yourself?","start":158.88501,"end":167.59999,"sentiment":"neutral","sentiment_score":-0.11849446793397268},{"text":"45.","start":169.09999,"end":169.65999,"sentiment":"neutral","sentiment_score":-0.002177178859710694},{"text":"Okay.","start":169.65999,"end":170.06,"sentiment":"neutral","sentiment_score":0.02505924180150032},{"text":"So in fifteen years, you go from a hundred thousand to 600,000.","start":170.06,"end":174.64,"sentiment":"neutral","sentiment_score":0.03829850427185496},{"text":"Right.","start":176.14,"end":176.37999,"sentiment":"neutral","sentiment_score":0.12992820143699646}],"sentiment":"neutral","sentiment_score":-0.06538759383062522,"num_words":45,"start":158.88501,"end":176.37999},{"sentences":[{"text":"Okay.","start":176.37999,"end":176.7,"sentiment":"neutral","sentiment_score":0.1622791588306427},{"text":"A bit lofty, but I'm assuming they've got some really good performance figures there.","start":176.7,"end":182.045,"sentiment":"neutral","sentiment_score":0.260156337171793},{"text":"And did you kind of like what they recommended initially in terms of the the investments?","start":182.265,"end":187.305,"sentiment":"neutral","sentiment_score":0.0966098397038877},{"text":"Did it make sense?","start":187.305,"end":188.36499,"sentiment":"neutral","sentiment_score":-0.0008422099053859711},{"text":"Okay.","start":199.73999,"end":200.23999,"sentiment":"neutral","sentiment_score":0.005536060780286789}],"sentiment":"neutral","sentiment_score":0.14867757043490806,"num_words":36,"start":176.37999,"end":200.23999},{"sentences":[{"text":"If you would like, so one thing that I can do is obviously go through how we conduct business and services and whatnot, fee structures and so on.","start":200.54,"end":209.115,"sentiment":"neutral","sentiment_score":0.051828303440873115},{"text":"But if you did wanna send through that advice document to us, I can give you a bit of a comparison to see if we do offer anything that would be, you know, less expensive than that if that's what you're looking for.","start":209.115,"end":219.29501,"sentiment":"neutral","sentiment_score":0.15306719799720964},{"text":"Yeah.","start":224.87,"end":225.27,"sentiment":"neutral","sentiment_score":0.1816181838512421},{"text":"Absolutely.","start":225.27,"end":225.75,"sentiment":"neutral","sentiment_score":0.2559921443462372},{"text":"Not just about the fees.","start":225.75,"end":226.63,"sentiment":"neutral","sentiment_score":0.1274955153465271}],"sentiment":"neutral","sentiment_score":0.11677140916864841,"num_words":78,"start":200.54,"end":226.63},{"sentences":[{"text":"You do value trying to get the returns as well.","start":226.63,"end":229.05,"sentiment":"neutral","sentiment_score":0.26674860119819643},{"text":"Perfect.","start":231.51,"end":232.01,"sentiment":"positive","sentiment_score":0.5458629727363586},{"text":"So what I might do too, do you mind if I grab down just a couple of basic details from yourself?","start":232.06999,"end":237.635,"sentiment":"neutral","sentiment_score":0.21302946834337144},{"text":"Obviously, we will talk through Mick as well.","start":237.635,"end":240.19499,"sentiment":"neutral","sentiment_score":0.10495240613818169},{"text":"But if we are going to be liaising with you, we just need to make sure that we've got your details correct as well.","start":240.19499,"end":245.415,"sentiment":"neutral","sentiment_score":0.08041697042062879}],"sentiment":"neutral","sentiment_score":0.16338428686140105,"num_words":64,"start":226.63,"end":245.415},{"sentences":[{"text":"Perfect.","start":246.515,"end":247.015,"sentiment":"positive","sentiment_score":0.529937744140625},{"text":"Could I please get a contact number?","start":247.555,"end":249.69,"sentiment":"neutral","sentiment_score":0.14811101130076818},{"text":"Because I believe I've got this noted down from Mix Mobile.","start":249.77,"end":253.15001,"sentiment":"neutral","sentiment_score":0.10639569468118927},{"text":"O four, double three, 136.","start":256.41,"end":262.125,"sentiment":"neutral","sentiment_score":0.017272499576210975},{"text":"Perfect.","start":262.605,"end":263.105,"sentiment":"neutral","sentiment_score":0.25061002373695374}],"sentiment":"neutral","sentiment_score":0.12296159945428371,"num_words":25,"start":246.515,"end":263.105},{"sentences":[{"text":"And an email address?","start":264.045,"end":265.665,"sentiment":"neutral","sentiment_score":0.077299521304667},{"text":"Drama.","start":269.005,"end":269.485,"sentiment":"neutral","sentiment_score":0.014580825343728064},{"text":"Yeah.","start":269.485,"end":269.985,"sentiment":"neutral","sentiment_score":0.0235881507396698},{"text":"Q w, e e n.","start":273.325,"end":274.925,"sentiment":"neutral","sentiment_score":0.016328958608210088},{"text":"So drama queen with a q w.","start":274.925,"end":276.945,"sentiment":"neutral","sentiment_score":0.024188201209264144}],"sentiment":"neutral","sentiment_score":0.033240514600442514,"num_words":18,"start":264.045,"end":276.945},{"sentences":[{"text":"Festival @hotmail.com.","start":278.16,"end":281.6,"sentiment":"neutral","sentiment_score":0.032342773862183094},{"text":"Glad to see you still got your Hotmail address.","start":281.6,"end":283.19998,"sentiment":"positive","sentiment_score":0.5494924651251899},{"text":"I think mine's been locked for about twenty years.","start":283.19998,"end":285.3,"sentiment":"neutral","sentiment_score":-0.1975217560927073},{"text":"Just speak to the Hotmail.","start":290.23502,"end":291.435,"sentiment":"neutral","sentiment_score":-0.04878578335046768},{"text":"Okay.","start":291.435,"end":291.67502,"sentiment":"neutral","sentiment_score":-0.028755439445376396}],"sentiment":"neutral","sentiment_score":0.11383606049303825,"num_words":26,"start":278.16,"end":291.67502},{"sentences":[{"text":"So that won't be changing anytime soon.","start":291.67502,"end":293.695,"sentiment":"neutral","sentiment_score":-0.0992780854659421},{"text":"Now one thing I do have to let you know is when we go through any kind of advice process, so we will need to send you through a financial services guide, which has our, like, licensing details, privacy policy, and so on on there.","start":295.67502,"end":310.25998,"sentiment":"neutral","sentiment_score":0.026252532998720806},{"text":"I will be sending through one to Mick as well because we have updated it since we last spoke.","start":310.31998,"end":315.3,"sentiment":"neutral","sentiment_score":0.12311337103969172},{"text":"But I just wanna send a copy out to you as well separately.","start":315.52,"end":318.595,"sentiment":"neutral","sentiment_score":0.10575927564731011},{"text":"Perfect.","start":320.255,"end":320.755,"sentiment":"neutral","sentiment_score":0.2714042663574219}],"sentiment":"neutral","sentiment_score":0.0526099563083228,"num_words":85,"start":291.67502,"end":320.755},{"sentences":[{"text":"And could I just grab your date of birth, please?","start":321.135,"end":323.39502,"sentiment":"neutral","sentiment_score":0.08095215745270253},{"text":"Perfect.","start":326.975,"end":327.475,"sentiment":"positive","sentiment_score":0.3710017800331116},{"text":"Now what usually happens is if we go through the initial discovery process and find that there is something we can do for you, we would obtain certified ID as part of the new sort of anti money laundering laws that have come in just to verify that you are who you say you are.","start":327.93503,"end":344.685,"sentiment":"neutral","sentiment_score":0.1747060917995193},{"text":"Not that I don't trust you and Mick.","start":345.805,"end":347.165,"sentiment":"neutral","sentiment_score":-0.09637087024748325},{"text":"Of course, he's got his partner on the phone, so that's totally fair enough.","start":347.165,"end":350.705,"sentiment":"neutral","sentiment_score":0.16226166380303247}],"sentiment":"neutral","sentiment_score":0.13965971289541235,"num_words":88,"start":321.135,"end":350.705},{"sentences":[{"text":"But we just have to do that as our due diligence.","start":350.76498,"end":353.105,"sentiment":"neutral","sentiment_score":0.09043042023073543},{"text":"Perfect.","start":355.085,"end":355.585,"sentiment":"positive","sentiment_score":0.5764601826667786},{"text":"Now one thing I was kind of looking forward to talking to Mick about as well is just in terms of joint joint planning and joint goals.","start":357.405,"end":363.75,"sentiment":"positive","sentiment_score":0.47400339665236296},{"text":"Because whenever you have both partners on board, I tend to like to mix it in for some joint goals, especially because you guys are at that that age range where retirement's coming a bit more kind of crystal.","start":363.75,"end":376.815,"sentiment":"neutral","sentiment_score":0.13368894026065484},{"text":"It's not like we're not 28 years old.","start":377.035,"end":379.035,"sentiment":"neutral","sentiment_score":-0.202344736084342}],"sentiment":"neutral","sentiment_score":0.20888834065476128,"num_words":86,"start":350.76498,"end":379.035},{"sentences":[{"text":"Just being like, you know, it's thirty years away.","start":379.035,"end":381.055,"sentiment":"neutral","sentiment_score":-0.23107447889116076},{"text":"It's it's coming closer and closer, if that makes sense.","start":381.595,"end":384.495,"sentiment":"neutral","sentiment_score":-0.091484310105443},{"text":"Now he did put down that he was wanting to retire somewhere between the age of 60 and 65.","start":386.09998,"end":391.08,"sentiment":"neutral","sentiment_score":0.014479931051793852},{"text":"Have you got a bit of a preference in terms of if I won the lotto, I'd be out of the rat race tomorrow, or you're gonna work right through till 70?","start":391.13998,"end":398.28,"sentiment":"neutral","sentiment_score":-0.1782518250402063},{"text":"Yep.","start":405.625,"end":406.025,"sentiment":"neutral","sentiment_score":0.19503065943717957}],"sentiment":"neutral","sentiment_score":-0.11589327412591853,"num_words":71,"start":379.035,"end":406.025},{"sentences":[{"text":"Awesome.","start":406.025,"end":406.525,"sentiment":"positive","sentiment_score":0.4555089473724365},{"text":"Usually, when I ask that question, it's a fifty fifty split across the country where half of Australia says, look.","start":407.145,"end":412.745,"sentiment":"neutral","sentiment_score":0.04908738723024726},{"text":"I'd retire tomorrow.","start":412.745,"end":413.73,"sentiment":"neutral","sentiment_score":-0.007459545702052613},{"text":"The other half says, I wouldn't know what to do with myself.","start":413.73,"end":415.83002,"sentiment":"neutral","sentiment_score":-0.13379443809390068},{"text":"I always need something to do.","start":416.37,"end":417.99002,"sentiment":"neutral","sentiment_score":-0.10768315692742665}],"sentiment":"neutral","sentiment_score":-0.019922717710003434,"num_words":42,"start":406.025,"end":417.99002},{"sentences":[{"text":"Okay.","start":426.93002,"end":427.41,"sentiment":"neutral","sentiment_score":0.004412641748785973},{"text":"What is it that you do for work?","start":427.41,"end":428.805,"sentiment":"neutral","sentiment_score":0.008792348089627922},{"text":"Support work.","start":430.965,"end":431.76498,"sentiment":"neutral","sentiment_score":0.017692075110971928},{"text":"Okay.","start":431.76498,"end":432.26498,"sentiment":"neutral","sentiment_score":0.04226112365722656},{"text":"And is that LinkedIn with, like, the NDIS and everything?","start":433.525,"end":436.16498,"sentiment":"neutral","sentiment_score":0.03685826435685158}],"sentiment":"neutral","sentiment_score":0.023680879268795252,"num_words":22,"start":426.93002,"end":436.16498},{"sentences":[{"text":"Or...","start":436.16498,"end":436.66498,"sentiment":"neutral","sentiment_score":0.004047367721796036},{"text":"Alright.","start":438.16498,"end":438.405,"sentiment":"neutral","sentiment_score":0.017397144809365273},{"text":"NDIS support worker.","start":438.405,"end":439.865,"sentiment":"neutral","sentiment_score":-0.006148489813009898},{"text":"Right.","start":443.91998,"end":444.24,"sentiment":"neutral","sentiment_score":0.035166773945093155},{"text":"Right.","start":444.24,"end":444.63998,"sentiment":"neutral","sentiment_score":0.03305026888847351}],"sentiment":"neutral","sentiment_score":0.01017372656081404,"num_words":7,"start":436.16498,"end":444.63998},{"sentences":[{"text":"And I do know a few people who have started businesses in the space that had transitioned from nursing.","start":444.63998,"end":449.36,"sentiment":"neutral","sentiment_score":0.036307970748135916},{"text":"Were you a nurse beforehand straight into support work?","start":449.36,"end":454.96,"sentiment":"neutral","sentiment_score":-0.006784650290177928},{"text":"That's always fun.","start":454.96,"end":456.045,"sentiment":"positive","sentiment_score":0.37981268763542175},{"text":"Anita, how long have you been doing that for?","start":457.725,"end":459.665,"sentiment":"neutral","sentiment_score":0.04884052359395557},{"text":"Okay.","start":462.20502,"end":462.605,"sentiment":"neutral","sentiment_score":0.123761847615242}],"sentiment":"neutral","sentiment_score":0.05686717596268508,"num_words":41,"start":444.63998,"end":462.605},{"sentences":[{"text":"Perfect.","start":462.605,"end":463.08502,"sentiment":"neutral","sentiment_score":0.3113923966884613},{"text":"To decent extent to to know that you like doing it and...","start":463.08502,"end":465.96503,"sentiment":"neutral","sentiment_score":0.16417130579551062},{"text":"But you might not be able to do it forever.","start":465.96503,"end":467.74503,"sentiment":"neutral","sentiment_score":-0.2478530965745449},{"text":"No.","start":472.65,"end":473.05,"sentiment":"negative","sentiment_score":-0.3566778302192688},{"text":"Is this in terms of just like the elderly population?","start":473.05,"end":475.47,"sentiment":"neutral","sentiment_score":-0.2651453748345375}],"sentiment":"neutral","sentiment_score":-0.09427101406104424,"num_words":34,"start":462.605,"end":475.47},{"sentences":[{"text":"Just, you know, forgetting where they are and getting aggressive?","start":475.61002,"end":477.95,"sentiment":"neutral","sentiment_score":-0.25826462358236313},{"text":"Right.","start":484.795,"end":485.11502,"sentiment":"neutral","sentiment_score":0.11290884017944336},{"text":"Okay.","start":485.11502,"end":485.435,"sentiment":"neutral","sentiment_score":0.10593950748443604},{"text":"So it takes a lot of skills to navigate the physical, emotional side and everything.","start":485.435,"end":490.415,"sentiment":"neutral","sentiment_score":0.14555858373641967},{"text":"Okay.","start":492.155,"end":492.655,"sentiment":"neutral","sentiment_score":0.22568294405937195}],"sentiment":"neutral","sentiment_score":0.0016165647123541152,"num_words":28,"start":475.61002,"end":492.655},{"sentences":[{"text":"Oh, that's very fun.","start":493.035,"end":494.33502,"sentiment":"positive","sentiment_score":0.5956598818302155},{"text":"They did mention he was wanting to look at possibly doing some contributions into your super, do a bit of spouse contributions there.","start":495.195,"end":502.22998,"sentiment":"neutral","sentiment_score":0.13723163565863733},{"text":"One thing I can sort of say up front is that it gets him a bit of a deduction for if your income is under 37,000, under 40,000.","start":503.25,"end":511.66998,"sentiment":"neutral","sentiment_score":0.05006967521538692},{"text":"What would we be sitting at?","start":515.885,"end":517.08496,"sentiment":"neutral","sentiment_score":-0.081750579799215},{"text":"Like, 80, a 100?","start":517.08496,"end":518.14496,"sentiment":"neutral","sentiment_score":-0.04952652379870415}],"sentiment":"neutral","sentiment_score":0.09618936122323458,"num_words":65,"start":493.035,"end":518.14496},{"sentences":[{"text":"130.","start":521.565,"end":522.365,"sentiment":"neutral","sentiment_score":-0.02229086495935917},{"text":"Okay.","start":522.365,"end":522.76495,"sentiment":"neutral","sentiment_score":-0.0860615000128746},{"text":"So that is off the tape, unfortunately.","start":522.76495,"end":524.70496,"sentiment":"neutral","sentiment_score":-0.3237839256014143},{"text":"Yeah.","start":527.32495,"end":527.565,"sentiment":"neutral","sentiment_score":-0.24745473265647888},{"text":"It's always the way.","start":527.565,"end":528.785,"sentiment":"neutral","sentiment_score":-0.2155880406498909}],"sentiment":"neutral","sentiment_score":-0.24890333853129828,"num_words":14,"start":521.565,"end":528.785},{"sentences":[{"text":"Child child care subsidy goes, the tax deductions and other contributions go, but, you know, the high...","start":528.925,"end":537.1,"sentiment":"neutral","sentiment_score":-0.22174145719584296},{"text":"I wouldn't say high income earners, but the moment your wages get up there into 6 figures, you tend to lose the benefits and lose a lot of the options.","start":537.24,"end":545.21497,"sentiment":"negative","sentiment_score":-0.3725353375077248},{"text":"It is.","start":548.15497,"end":548.475,"sentiment":"neutral","sentiment_score":-0.14419233053922653},{"text":"It is, but we navigate what we can.","start":548.475,"end":550.315,"sentiment":"neutral","sentiment_score":-0.1653423048555851},{"text":"It's either that or just move countries, and that's probably not my recommendation for today.","start":550.315,"end":554.735,"sentiment":"neutral","sentiment_score":-0.24815208812554676}],"sentiment":"neutral","sentiment_score":-0.28165374054676956,"num_words":72,"start":528.925,"end":554.735},{"sentences":[{"text":"So we've got a 130,000.","start":557.14,"end":558.5,"sentiment":"neutral","sentiment_score":-0.08898318782448769},{"text":"So you're both in that that bracket towards the sort of 32, 37% mark.","start":558.5,"end":564.83997,"sentiment":"neutral","sentiment_score":-0.06464042461344174},{"text":"Are you doing anything through work?","start":565.38,"end":567.14,"sentiment":"neutral","sentiment_score":-0.04627167681852976},{"text":"Because I know they usually do salary packaging for certain things in that industry.","start":567.14,"end":572.525,"sentiment":"neutral","sentiment_score":-0.08626145337309156},{"text":"Okay.","start":577.705,"end":578.205,"sentiment":"neutral","sentiment_score":-0.05932210758328438}],"sentiment":"neutral","sentiment_score":-0.0723623599857092,"num_words":40,"start":557.14,"end":578.205},{"sentences":[{"text":"So the only thing you've really got is, like, salary sacrifice to super, but nothing for the mortgage or expenses or anything like that.","start":579.22504,"end":586.41,"sentiment":"neutral","sentiment_score":-0.15789908294876417},{"text":"Okay.","start":587.99,"end":588.23,"sentiment":"neutral","sentiment_score":-0.17241859436035156},{"text":"So no rem serve.","start":588.23,"end":589.19,"sentiment":"negative","sentiment_score":-0.3455099016427994},{"text":"That's not fun.","start":589.19,"end":590.15,"sentiment":"negative","sentiment_score":-0.42230407396952313},{"text":"Okay.","start":590.15,"end":590.65,"sentiment":"neutral","sentiment_score":-0.16119971871376038}],"sentiment":"neutral","sentiment_score":-0.20521661007043088,"num_words":33,"start":579.22504,"end":590.65},{"sentences":[{"text":"We'll take that one off.","start":590.79,"end":592.17,"sentiment":"neutral","sentiment_score":-0.21546568274497985},{"text":"And in terms of other priorities, so I was looking at a few things that that Mick was doing, but what would you say is your, I guess, individual focus for the next few years financially and and as a couple?","start":594.07,"end":608.16504,"sentiment":"neutral","sentiment_score":-0.04844455784413873},{"text":"Yep.","start":612.065,"end":612.33,"sentiment":"neutral","sentiment_score":0.018709685653448105},{"text":"Oh, perfect.","start":617.05,"end":617.53,"sentiment":"neutral","sentiment_score":0.2683880180120468},{"text":"So you got the refinance done.","start":617.53,"end":618.73004,"sentiment":"neutral","sentiment_score":0.10530223386983077}],"sentiment":"neutral","sentiment_score":-0.0341137483716011,"num_words":55,"start":590.79,"end":618.73004},{"sentences":[{"text":"That's good.","start":618.73004,"end":619.39,"sentiment":"positive","sentiment_score":0.7237789034843445},{"text":"Seven years.","start":624.81,"end":625.45,"sentiment":"positive","sentiment_score":0.33935220539569855},{"text":"That'd be amazing, wouldn't it?","start":625.45,"end":627.045,"sentiment":"positive","sentiment_score":0.6487450957298279},{"text":"Do you feel like you need any help with that, or you think you...","start":630.165,"end":632.40497,"sentiment":"neutral","sentiment_score":0.01019377141658749},{"text":"You're both kind of on track budgeting wise?","start":632.40497,"end":634.425,"sentiment":"neutral","sentiment_score":0.0022228204943530727}],"sentiment":"neutral","sentiment_score":0.17840267936117016,"num_words":31,"start":618.73004,"end":634.425},{"sentences":[{"text":"Oh, good.","start":637.125,"end":637.76495,"sentiment":"positive","sentiment_score":0.4154329150915146},{"text":"Good.","start":637.76495,"end":638.005,"sentiment":"positive","sentiment_score":0.474251925945282},{"text":"Good.","start":638.005,"end":638.485,"sentiment":"positive","sentiment_score":0.4110844731330872},{"text":"A lot of people, you know, struggling with interest rates and the fuel prices and everything.","start":638.485,"end":642.165,"sentiment":"neutral","sentiment_score":0.10457655997015536},{"text":"So if you feel like you can make headway, that's good.","start":642.165,"end":645.2,"sentiment":"neutral","sentiment_score":0.1906038299202919}],"sentiment":"neutral","sentiment_score":0.17696997799700306,"num_words":31,"start":637.125,"end":645.2},{"sentences":[{"text":"Alrighty.","start":647.58,"end":648.08,"sentiment":"neutral","sentiment_score":0.18250425159931183},{"text":"Outside of that, anything else in particular?","start":648.7,"end":650.56,"sentiment":"neutral","sentiment_score":0.03759110452873366},{"text":"That's it.","start":657.245,"end":657.64496,"sentiment":"neutral","sentiment_score":0.04687357880175114},{"text":"Bit of financial freedom once you got some cash flow freed up after the mortgage.","start":657.64496,"end":661.26495,"sentiment":"neutral","sentiment_score":0.16332193315029145},{"text":"And just in terms of, like, assets and liabilities, obviously, I I understand you guys have the the home and the mortgage.","start":663.725,"end":671.07,"sentiment":"neutral","sentiment_score":0.052846398543227806}],"sentiment":"neutral","sentiment_score":0.08833699800232624,"num_words":47,"start":647.58,"end":671.07},{"sentences":[{"text":"Is there anything individually that you would have in terms of assets, loans, anything that I need to factor in?","start":671.31,"end":678.69,"sentiment":"neutral","sentiment_score":0.013048026757314802},{"text":"Amazing.","start":685.31,"end":685.81,"sentiment":"neutral","sentiment_score":0.2481580376625061},{"text":"Could I grab an updated mortgage value from you if possible?","start":686.075,"end":689.455,"sentiment":"neutral","sentiment_score":0.09004495936361226},{"text":"Yeah.","start":692.635,"end":692.955,"sentiment":"neutral","sentiment_score":0.006984480656683445},{"text":"So what what would the total debt be now that you've consolidated?","start":692.955,"end":695.935,"sentiment":"neutral","sentiment_score":0.005003695841878653}],"sentiment":"neutral","sentiment_score":0.03481426570150587,"num_words":45,"start":671.31,"end":695.935},{"sentences":[{"text":"Okay.","start":700.875,"end":701.28,"sentiment":"neutral","sentiment_score":0.09541819989681244},{"text":"Can use that as a bit of a starting point.","start":701.52,"end":703.44,"sentiment":"neutral","sentiment_score":0.16827654615044593},{"text":"That's no worries at all.","start":703.44,"end":704.82,"sentiment":"neutral","sentiment_score":0.20816288888454437},{"text":"$5.25.","start":706.08,"end":707.30005,"sentiment":"neutral","sentiment_score":0.0962238535284996},{"text":"And I will...","start":707.52,"end":708.16003,"sentiment":"neutral","sentiment_score":0.08177653948465984}],"sentiment":"neutral","sentiment_score":0.15802757889032365,"num_words":20,"start":700.875,"end":708.16003},{"sentences":[{"text":"I know you've...","start":708.16003,"end":708.98004,"sentiment":"neutral","sentiment_score":0.07316421841581662},{"text":"Okay.","start":711.52,"end":712.02,"sentiment":"neutral","sentiment_score":0.09941494464874268},{"text":"Oh, that's fine.","start":714.24005,"end":714.96,"sentiment":"neutral","sentiment_score":0.29920007785161334},{"text":"It works well.","start":714.96,"end":715.60004,"sentiment":"positive","sentiment_score":0.43220218022664386},{"text":"Symbiotic.","start":715.60004,"end":716.10004,"sentiment":"neutral","sentiment_score":0.3126243054866791}],"sentiment":"neutral","sentiment_score":0.25688533451069484,"num_words":11,"start":708.16003,"end":716.10004},{"sentences":[{"text":"I will just grab from you.","start":718.885,"end":719.765,"sentiment":"neutral","sentiment_score":0.16521069904168448},{"text":"I know you've kind of already gone through this a bit when you went through with the other guys, but just in terms of your own personal savings and motor vehicle.","start":719.765,"end":728.34,"sentiment":"neutral","sentiment_score":0.0735049567395641},{"text":"Perfect.","start":735.30005,"end":735.80005,"sentiment":"neutral","sentiment_score":0.10864853113889694},{"text":"Resale value approximately is not too important.","start":737.46,"end":740.02,"sentiment":"neutral","sentiment_score":-0.07894632486360413},{"text":"Just a bit of a rough estimate.","start":740.02,"end":741.285,"sentiment":"neutral","sentiment_score":0.0006130295140402655}],"sentiment":"neutral","sentiment_score":0.05442756378593353,"num_words":52,"start":718.885,"end":741.285},{"sentences":[{"text":"Yep.","start":745.125,"end":745.44495,"sentiment":"neutral","sentiment_score":0.048705171793699265},{"text":"K.","start":745.44495,"end":745.925,"sentiment":"neutral","sentiment_score":0.021720528602600098},{"text":"Is that one of the new electric vehicles?","start":745.925,"end":748.165,"sentiment":"neutral","sentiment_score":0.01389153825584799},{"text":"Or...","start":748.165,"end":748.665,"sentiment":"neutral","sentiment_score":0.002524913754314184},{"text":"Perfect.","start":751.52496,"end":752.02496,"sentiment":"positive","sentiment_score":0.6376546621322632}],"sentiment":"neutral","sentiment_score":0.06847813186080505,"num_words":12,"start":745.125,"end":752.02496},{"sentences":[{"text":"And I don't know how you guys sort of do the finances at the moment in terms of joint accounts versus separate, but do you have savings off to the side under your own account?","start":752.565,"end":761.12,"sentiment":"neutral","sentiment_score":0.10086557833211762},{"text":"Yep.","start":770.86,"end":771.165,"sentiment":"neutral","sentiment_score":0.10523280501365662},{"text":"And it's all just pulled for the offset of the mortgage.","start":771.32495,"end":773.245,"sentiment":"neutral","sentiment_score":0.07951382344419305},{"text":"And is that what you're using to kind of accelerate things, just pile as much cash into that as possible?","start":773.245,"end":778.38495,"sentiment":"neutral","sentiment_score":0.11454159002751112},{"text":"Perfect.","start":780.605,"end":781.08496,"sentiment":"positive","sentiment_score":0.5352225303649902}],"sentiment":"neutral","sentiment_score":0.10788580052116338,"num_words":68,"start":752.565,"end":781.08496},{"sentences":[{"text":"Perfect.","start":781.08496,"end":781.565,"sentiment":"positive","sentiment_score":0.5244585871696472},{"text":"Okay.","start":781.565,"end":781.88495,"sentiment":"positive","sentiment_score":0.3617002367973328},{"text":"So I've got a bit of an idea there.","start":781.88495,"end":783.63,"sentiment":"neutral","sentiment_score":0.2741766290532218},{"text":"Just to kind of let you know a bit about myself as well.","start":784.59,"end":787.15,"sentiment":"neutral","sentiment_score":0.2559770357150298},{"text":"So I'm essentially taking over a mix file as a senior adviser.","start":787.15,"end":791.89,"sentiment":"neutral","sentiment_score":0.2119220308959484}],"sentiment":"neutral","sentiment_score":0.2562365089025762,"num_words":36,"start":781.08496,"end":791.89},{"sentences":[{"text":"If you were to come on board with us, I would be looking after both of you guys.","start":792.27,"end":796.095,"sentiment":"neutral","sentiment_score":0.26793953941928017},{"text":"Of course, the entire team is available, but we do like to make sure that you do have someone dedicated to you as a couple.","start":796.89496,"end":803.475,"sentiment":"neutral","sentiment_score":0.28750108361244203},{"text":"Now in terms of the way the the sort of fees work, so I was gonna go through with Mick a bit of an updated structure because we've just released some some discounts.","start":805.055,"end":814.19,"sentiment":"neutral","sentiment_score":0.13601969882394327},{"text":"Now normally, we would charge around about 1.65% ongoing for the fees rather than the sort of two and a half.","start":816.08997,"end":824.085,"sentiment":"neutral","sentiment_score":0.10462233956371035},{"text":"For clients above 200,000, that drops.","start":825.04504,"end":827.92505,"sentiment":"neutral","sentiment_score":0.05019428705175718}],"sentiment":"neutral","sentiment_score":0.18444003606016196,"num_words":103,"start":792.27,"end":827.92505},{"sentences":[{"text":"So we have a tiered structure where it then drops to 1.37, 1.1.","start":827.92505,"end":832.98505,"sentiment":"neutral","sentiment_score":0.08217281504319264},{"text":"As a couple, you guys would accelerate the tiers.","start":833.685,"end":836.37,"sentiment":"neutral","sentiment_score":0.1737065679497189},{"text":"So anything above 200, you would then jump to 1.1 pretty much straight away.","start":836.61,"end":841.43,"sentiment":"neutral","sentiment_score":0.20713222665446146},{"text":"Also, MyNorth, you mentioned earlier that was what was recommended for you for the Subaru.","start":843.97,"end":850.385,"sentiment":"neutral","sentiment_score":0.11201781978209814},{"text":"Do you remember at all any kind of, like, main reasoning behind why that one was picked?","start":850.385,"end":855.205,"sentiment":"neutral","sentiment_score":0.04116890404154273}],"sentiment":"neutral","sentiment_score":0.11634699331925195,"num_words":68,"start":827.92505,"end":855.205},{"sentences":[{"text":"Okay.","start":865.2,"end":865.44,"sentiment":"neutral","sentiment_score":0.09144101291894911},{"text":"So they tried to get some good returns without putting you into anything high risk.","start":865.44,"end":869.22003,"sentiment":"neutral","sentiment_score":0.10284742638468743},{"text":"Perfect.","start":870.24,"end":870.64,"sentiment":"neutral","sentiment_score":0.05576340854167938},{"text":"Do you remember, by any chance, what your risk profile came out as?","start":870.64,"end":873.645,"sentiment":"neutral","sentiment_score":0.017087596826828443},{"text":"Was it like a growth or a balance or something?","start":873.645,"end":875.825,"sentiment":"neutral","sentiment_score":-0.00925359046086669}],"sentiment":"neutral","sentiment_score":0.045487966784276065,"num_words":40,"start":865.2,"end":875.825},{"sentences":[{"text":"No.","start":877.80505,"end":878.04504,"sentiment":"neutral","sentiment_score":-0.1687629520893097},{"text":"That's okay.","start":878.04504,"end":878.365,"sentiment":"neutral","sentiment_score":-0.041324954479932785},{"text":"I can check it on the document.","start":878.365,"end":879.645,"sentiment":"neutral","sentiment_score":0.05031042013849531},{"text":"That's fine.","start":879.645,"end":880.465,"sentiment":"neutral","sentiment_score":0.18810591846704483},{"text":"With myNorth...","start":881.405,"end":882.30505,"sentiment":"neutral","sentiment_score":0.034284924156963825}],"sentiment":"neutral","sentiment_score":0.03896726894059351,"num_words":14,"start":877.80505,"end":882.30505},{"sentences":[{"text":"So I don't wanna kind of go overboard with with the details, but MyNorth is a very well known...","start":882.36505,"end":888.08,"sentiment":"neutral","sentiment_score":0.024851352687140827},{"text":"We call it a wrap platform.","start":888.08,"end":889.54,"sentiment":"neutral","sentiment_score":0.08761746063828468},{"text":"And one of the things that those are known for is that wrap platforms, generally, they're kind of like the Lamborghini of the Supa.","start":890.08,"end":896.82,"sentiment":"neutral","sentiment_score":0.11002128540227811},{"text":"They're a bit more expensive, but they have the most investment options.","start":896.88,"end":897.9772,"sentiment":"neutral","sentiment_score":0.13274847467740378},{"text":"So rather than 10 to 15 as an super fund, Minerals got, like, 700 to choose from.","start":897.9772,"end":907.28503,"sentiment":"neutral","sentiment_score":0.08148827557178105}],"sentiment":"neutral","sentiment_score":0.08482914994088694,"num_words":78,"start":882.36505,"end":907.28503},{"sentences":[{"text":"It's actually very similar to Hub twenty four, which we have, Megan, which also have, like, 1,300 options.","start":908.545,"end":916.3,"sentiment":"neutral","sentiment_score":0.057719664027293525},{"text":"They are both wrap platforms.","start":916.3,"end":918.4,"sentiment":"neutral","sentiment_score":0.06763174161314964},{"text":"They're both kind of like...","start":918.78,"end":919.82,"sentiment":"neutral","sentiment_score":0.039086779579520226},{"text":"One's the Ferrari, one's the Lamborghini, if that makes sense.","start":919.82,"end":922.64,"sentiment":"neutral","sentiment_score":0.1011140488088131},{"text":"One of the cool things too is that Hub 24, just as an example, they do have things like family fee linking where you can link your super balances together, and that kind of accelerates fee discounts from the super fund as well, similar to the Oakview fee structure.","start":924.14,"end":938.225,"sentiment":"neutral","sentiment_score":0.2941860416714026}],"sentiment":"neutral","sentiment_score":0.1953885412464539,"num_words":87,"start":908.545,"end":938.225},{"sentences":[{"text":"So one of the comparing, obviously, the my North and what can be done inside that because we do have a lot of clients in my North and also in, for example, Hub 24, and just sort of see what would be a good fit for you guys as a couple.","start":938.225,"end":956.78503,"sentiment":"neutral","sentiment_score":0.13892895538432926},{"text":"Do you think that's something that might be helpful?","start":958.045,"end":959.985,"sentiment":"neutral","sentiment_score":0.12744459509849548},{"text":"Cool.","start":961.805,"end":962.305,"sentiment":"neutral","sentiment_score":0.16557258367538452},{"text":"Any questions on that so far?","start":962.525,"end":964.145,"sentiment":"neutral","sentiment_score":0.1136269432802995},{"text":"Cool.","start":966.525,"end":967.025,"sentiment":"neutral","sentiment_score":0.2343207895755768}],"sentiment":"neutral","sentiment_score":0.13697107519735308,"num_words":68,"start":938.225,"end":967.025},{"sentences":[{"text":"In terms of, I guess, everything that's linked to that, so superannuation advice, we've got a bit of a retirement trajectory, 6062, '65.","start":967.72504,"end":977.5,"sentiment":"neutral","sentiment_score":0.14944119135970654},{"text":"Obviously, there's insurances attached.","start":977.64,"end":979.24,"sentiment":"neutral","sentiment_score":0.08531715348362923},{"text":"You probably would have received insurance advice and and estate advice around your beneficiary nominations, things like that?","start":979.24,"end":985.235,"sentiment":"neutral","sentiment_score":0.12228397486938371},{"text":"Perfect.","start":986.415,"end":986.895,"sentiment":"positive","sentiment_score":0.5198967456817627},{"text":"Was there anything in particular that you were looking for when it came to the insurances?","start":986.895,"end":991.075,"sentiment":"neutral","sentiment_score":0.12257287977263331}],"sentiment":"neutral","sentiment_score":0.13646113524033177,"num_words":62,"start":967.72504,"end":991.075},{"sentences":[{"text":"Yep.","start":999.25,"end":999.75,"sentiment":"neutral","sentiment_score":-0.109542116522789},{"text":"Okay.","start":1012.55505,"end":1012.955,"sentiment":"neutral","sentiment_score":0.012938746251165869},{"text":"So 600,000 of both life and TPD.","start":1012.955,"end":1015.61505,"sentiment":"neutral","sentiment_score":0.02707767273698534},{"text":"And who's the the current Superfund that you're with?","start":1016.55505,"end":1019.215,"sentiment":"neutral","sentiment_score":-0.005417543411668804},{"text":"Would it be Hesta?","start":1026.41,"end":1027.39,"sentiment":"neutral","sentiment_score":0.001368652272503823}],"sentiment":"neutral","sentiment_score":0.002257138966921378,"num_words":22,"start":999.25,"end":1027.39},{"sentences":[{"text":"Bit of a purple logo.","start":1027.45,"end":1028.83,"sentiment":"neutral","sentiment_score":-0.011452370136976243},{"text":"Yep.","start":1030.57,"end":1030.97,"sentiment":"neutral","sentiment_score":0.05931477248668671},{"text":"Definitely Hesta there.","start":1030.97,"end":1032.35,"sentiment":"neutral","sentiment_score":0.09154611577590306},{"text":"I'm pretty familiar with Hesta.","start":1033.0499,"end":1034.57,"sentiment":"neutral","sentiment_score":0.07388896346092225},{"text":"They've got some some interesting investments there.","start":1034.57,"end":1037.525,"sentiment":"neutral","sentiment_score":0.16629065360341752}],"sentiment":"neutral","sentiment_score":0.08619860293609756,"num_words":21,"start":1027.45,"end":1037.525},{"sentences":[{"text":"They do have a very limited choice.","start":1037.525,"end":1039.785,"sentiment":"neutral","sentiment_score":-0.060375084834439416},{"text":"Basic insurance is there, which is cool too.","start":1040.485,"end":1042.985,"sentiment":"neutral","sentiment_score":0.0961613580584526},{"text":"I'll I'll need to see what what they do have it in there.","start":1043.045,"end":1045.705,"sentiment":"neutral","sentiment_score":0.007798339061152477},{"text":"Were you looking for any...","start":1045.925,"end":1047.205,"sentiment":"neutral","sentiment_score":-0.007853273302316666},{"text":"Did you get, like, income protection or anything like that?","start":1047.205,"end":1049.79,"sentiment":"neutral","sentiment_score":-0.04520519338548183}],"sentiment":"neutral","sentiment_score":-0.001006386556857547,"num_words":43,"start":1037.525,"end":1049.79},{"sentences":[{"text":"Fair enough.","start":1058.11,"end":1058.8501,"sentiment":"neutral","sentiment_score":0.09714505076408386},{"text":"Yeah.","start":1063.31,"end":1063.81,"sentiment":"neutral","sentiment_score":-0.008371766656637192},{"text":"I'm assuming that you would have had employees setting up funds whenever you move between.","start":1063.87,"end":1068.405,"sentiment":"neutral","sentiment_score":0.003236600880821546},{"text":"And then, I guess, recently, when they changed legislation, it's all probably gone to to HESTA.","start":1068.405,"end":1074.245,"sentiment":"neutral","sentiment_score":-0.052887952770106494},{"text":"Right?","start":1074.245,"end":1074.745,"sentiment":"neutral","sentiment_score":0.008516516536474228}],"sentiment":"neutral","sentiment_score":-0.0172349537057536,"num_words":35,"start":1058.11,"end":1074.745},{"sentences":[{"text":"Yeah.","start":1084.98,"end":1085.48,"sentiment":"neutral","sentiment_score":0.019114647060632706},{"text":"K.","start":1085.54,"end":1086.04,"sentiment":"neutral","sentiment_score":0.003640499897301197},{"text":"No.","start":1086.3401,"end":1086.5,"sentiment":"neutral","sentiment_score":-0.027602573856711388},{"text":"I am familiar with Find My Super.","start":1086.5,"end":1088.18,"sentiment":"neutral","sentiment_score":0.022368856306586946},{"text":"They're they're in the news a lot these days.","start":1088.18,"end":1090.275,"sentiment":"neutral","sentiment_score":0.01643506044314967}],"sentiment":"neutral","sentiment_score":0.015771058486088327,"num_words":19,"start":1084.98,"end":1090.275},{"sentences":[{"text":"Don't know if you've seen the the articles and everything.","start":1092.515,"end":1094.775,"sentiment":"neutral","sentiment_score":-0.022908483538776635},{"text":"No.","start":1096.355,"end":1096.595,"sentiment":"neutral","sentiment_score":-0.0915793478488922},{"text":"That's okay.","start":1096.595,"end":1097.235,"sentiment":"neutral","sentiment_score":-0.025552617385983467},{"text":"So one of the things that's really important when it comes to financial advice is we are under something called, like, a best interest duty.","start":1097.235,"end":1104.63,"sentiment":"neutral","sentiment_score":0.11102901756763459},{"text":"So we have, like, a whole code of ethics.","start":1104.87,"end":1106.87,"sentiment":"neutral","sentiment_score":0.10031560394499037}],"sentiment":"neutral","sentiment_score":0.07035737141887559,"num_words":47,"start":1092.515,"end":1106.87},{"sentences":[{"text":"We've gone through, like, an ethics exam, and a big part of that is find out what a client's goals are and then help them try and achieve the goals.","start":1106.87,"end":1114.95,"sentiment":"neutral","sentiment_score":0.1799108090500037},{"text":"That's literally the long and short of it.","start":1114.95,"end":1116.795,"sentiment":"neutral","sentiment_score":-0.11333223152905703},{"text":"What was happening is that because financial advisers need to get clients, they would go through groups like Find My Super who would call people around and say, oh, I'll check out your super for you and then forward you off to an adviser to try and give you advice.","start":1117.035,"end":1131.9,"sentiment":"neutral","sentiment_score":0.006398282796144485},{"text":"But the government kinda looks down a little bit on that because just, you know, spam calling people from surveys and trying to sell them things is...","start":1133.9,"end":1140.9601,"sentiment":"negative","sentiment_score":-0.3802727703694944},{"text":"It's kind of the old Wild West of the way the industry used to be.","start":1141.66,"end":1145.68,"sentiment":"negative","sentiment_score":-0.39439411560694376}],"sentiment":"neutral","sentiment_score":-0.08748227673081252,"num_words":130,"start":1106.87,"end":1145.68},{"sentences":[{"text":"So pretty well frowned upon, but, look, people do need advice, and it's just trying to make sure you've got the right fit at the end of the day.","start":1146.86,"end":1154.395,"sentiment":"neutral","sentiment_score":0.03812716978377309},{"text":"Now I had a bit of a, like, a retirement goal with him as well, And I wanted to just kind of ask you the lifestyle.","start":1157.095,"end":1166.6,"sentiment":"neutral","sentiment_score":0.2763606496155262},{"text":"You mentioned pay off the mortgage, do some holidays, some travel, and so on.","start":1166.98,"end":1171.9401,"sentiment":"neutral","sentiment_score":0.2320345618895122},{"text":"Have you thought about how much you would need as a couple or individually to live on?","start":1171.9401,"end":1186.815,"sentiment":"neutral","sentiment_score":0.09952146603780634},{"text":"Yeah.","start":1189.6749,"end":1190.1749,"sentiment":"neutral","sentiment_score":-0.04826419800519943}],"sentiment":"neutral","sentiment_score":0.15153045292900896,"num_words":87,"start":1146.86,"end":1190.1749},{"sentences":[{"text":"It does.","start":1191.5,"end":1191.9,"sentiment":"neutral","sentiment_score":0.07436867617070675},{"text":"So one of the cool things about retirement, not to sort of just throw in so far down the track, but while you're earning an income, obviously, you're being taxed.","start":1191.9,"end":1200.7001,"sentiment":"neutral","sentiment_score":0.050153959542512894},{"text":"Right?","start":1200.7001,"end":1201.2001,"sentiment":"neutral","sentiment_score":0.00941181182861328},{"text":"So let's say you're earning the, you know, $1.30, $1.40, or after tax, you're probably at 95, a 100 as an example.","start":1202.2201,"end":1208.9551,"sentiment":"neutral","sentiment_score":0.08402499167079275},{"text":"When you are in retirement, everything you're pulling out of super is tax free.","start":1210.615,"end":1214.795,"sentiment":"neutral","sentiment_score":0.25418682396411896}],"sentiment":"neutral","sentiment_score":0.10246280148841333,"num_words":69,"start":1191.5,"end":1214.795},{"sentences":[{"text":"So to get the same income, you don't need to have an...","start":1214.935,"end":1218.135,"sentiment":"neutral","sentiment_score":0.1516910002877315},{"text":"That much coming out because there won't be any taxes.","start":1218.135,"end":1221.0,"sentiment":"neutral","sentiment_score":0.16914678663015364},{"text":"And then if you chop off the mortgage, do you know what your repayments are around about?","start":1222.76,"end":1227.34,"sentiment":"neutral","sentiment_score":0.06502024971825235},{"text":"That's okay.","start":1234.155,"end":1234.795,"sentiment":"neutral","sentiment_score":0.23734494298696518},{"text":"I can get that from him.","start":1234.795,"end":1235.8351,"sentiment":"neutral","sentiment_score":0.23872865488131842}],"sentiment":"neutral","sentiment_score":0.13881204106864778,"num_words":47,"start":1214.935,"end":1235.8351},{"sentences":[{"text":"But, essentially, let's say, $500,000 mortgage.","start":1235.8351,"end":1239.5951,"sentiment":"neutral","sentiment_score":0.0385180387335519},{"text":"So let's say you're paying 700 a week and that mortgage is now cleared, well, you don't need the tax anymore and you don't need the 700 a week for the mortgage.","start":1239.5951,"end":1248.78,"sentiment":"neutral","sentiment_score":0.025933313751011156},{"text":"So it just kind of lowers how much you actually need to to live on, essentially.","start":1249.02,"end":1253.6,"sentiment":"neutral","sentiment_score":0.03320584160974249},{"text":"Now one of the things...","start":1256.06,"end":1257.28,"sentiment":"neutral","sentiment_score":-0.0006515190005302429},{"text":"Sorry.","start":1257.5,"end":1257.9,"sentiment":"neutral","sentiment_score":-0.15234139561653137}],"sentiment":"neutral","sentiment_score":0.02394447912617276,"num_words":60,"start":1235.8351,"end":1257.9},{"sentences":[{"text":"Go ahead.","start":1257.9,"end":1258.56,"sentiment":"neutral","sentiment_score":-0.10111190378665924},{"text":"That's okay.","start":1262.615,"end":1263.3351,"sentiment":"neutral","sentiment_score":0.14075453206896782},{"text":"The the government gives you a bit of a guide, and they they do this big analysis across the whole country.","start":1263.3351,"end":1268.935,"sentiment":"neutral","sentiment_score":0.12306073307991028},{"text":"And they say, oh, as a couple, like a comfortable lifestyle, you probably need about 70,000 as a couple for living expenses and some general holidays.","start":1268.935,"end":1278.61,"sentiment":"neutral","sentiment_score":0.15034859054363692},{"text":"And then you just kind of go up from there, if that makes sense.","start":1279.23,"end":1282.0499,"sentiment":"neutral","sentiment_score":0.0983225234917232}],"sentiment":"neutral","sentiment_score":0.1222944512963295,"num_words":65,"start":1257.9,"end":1282.0499},{"sentences":[{"text":"Does seem a bit low, doesn't it?","start":1284.83,"end":1286.53,"sentiment":"neutral","sentiment_score":0.03787546046078205},{"text":"It does.","start":1288.91,"end":1289.23,"sentiment":"positive","sentiment_score":0.37764327228069305},{"text":"It does.","start":1289.23,"end":1289.835,"sentiment":"positive","sentiment_score":0.3601967841386795},{"text":"And it's also a generational thing too.","start":1289.995,"end":1291.755,"sentiment":"neutral","sentiment_score":0.15690545099122183},{"text":"There's a lot of people who never had any super, and they just wanna get a bit more than the age pension.","start":1291.755,"end":1297.375,"sentiment":"neutral","sentiment_score":-0.00611003539101644}],"sentiment":"neutral","sentiment_score":0.06761814286001026,"num_words":40,"start":1284.83,"end":1297.375},{"sentences":[{"text":"I'm assuming you probably don't wanna be living off Centrelink through your sixties and seventies.","start":1298.315,"end":1302.255,"sentiment":"neutral","sentiment_score":-0.06151084279020627},{"text":"No.","start":1303.995,"end":1304.315,"sentiment":"neutral","sentiment_score":-0.13544747233390808},{"text":"No.","start":1304.315,"end":1304.5549,"sentiment":"neutral","sentiment_score":-0.1141667291522026},{"text":"So what we essentially do is we go, okay.","start":1304.5549,"end":1306.7401,"sentiment":"neutral","sentiment_score":0.017125303339627054},{"text":"Well, what about a thousand dollars a week each after tax if you have the best?","start":1306.7401,"end":1311.88,"sentiment":"neutral","sentiment_score":0.02543667983263731}],"sentiment":"neutral","sentiment_score":-0.014551481808580104,"num_words":42,"start":1298.315,"end":1311.88},{"sentences":[{"text":"Yeah.","start":1312.26,"end":1312.76,"sentiment":"neutral","sentiment_score":0.0758383572101593},{"text":"So we go no mortgage, a thousand dollars a week, and then, like, a few holidays mixed in, you know, maybe one or two a year.","start":1314.02,"end":1319.38,"sentiment":"neutral","sentiment_score":0.02471037767827511},{"text":"We probably can't do five How does that sound?","start":1319.38,"end":1322.265,"sentiment":"neutral","sentiment_score":-0.00801215631266435},{"text":"Cool.","start":1325.2051,"end":1325.685,"sentiment":"positive","sentiment_score":0.4751678705215454},{"text":"So I can kind of use that as a bit of a northern star to guide towards over the projections and everything.","start":1325.685,"end":1330.665,"sentiment":"neutral","sentiment_score":0.27346659316258}],"sentiment":"neutral","sentiment_score":0.120976808307282,"num_words":59,"start":1312.26,"end":1330.665},{"sentences":[{"text":"Mix in a few holidays.","start":1332.485,"end":1333.545,"sentiment":"neutral","sentiment_score":0.006486527621746063},{"text":"One thing I have to be very careful on is...","start":1333.7,"end":1335.78,"sentiment":"neutral","sentiment_score":-0.13271873071789742},{"text":"I don't know if you've heard, like, in the news a lot.","start":1335.78,"end":1338.26,"sentiment":"neutral","sentiment_score":-0.14565384450058141},{"text":"They're always throwing the word inflation around a lot.","start":1338.26,"end":1340.92,"sentiment":"neutral","sentiment_score":-0.1931124511692259},{"text":"So cost of living keeps going up.","start":1342.18,"end":1344.36,"sentiment":"neutral","sentiment_score":-0.2467690333724022}],"sentiment":"neutral","sentiment_score":-0.15134874644667604,"num_words":43,"start":1332.485,"end":1344.36},{"sentences":[{"text":"Generally speaking, we need to factor in that in fifteen years' time, a thousand dollars a week won't buy what it currently does, if that makes sense.","start":1345.14,"end":1353.175,"sentiment":"neutral","sentiment_score":-0.2486420883624642},{"text":"No.","start":1356.835,"end":1357.335,"sentiment":"negative","sentiment_score":-0.3403787910938263},{"text":"And then on top of that, inflation's higher than usual.","start":1357.475,"end":1360.215,"sentiment":"neutral","sentiment_score":-0.31510461419820784},{"text":"Usually, it's like two or 3%, and now we see it's four, five, six.","start":1360.275,"end":1363.89,"sentiment":"neutral","sentiment_score":-0.24644545678581511},{"text":"So that thousand dollars a week is kind of plummeting in what it can buy.","start":1364.13,"end":1369.27,"sentiment":"negative","sentiment_score":-0.46131396293640137}],"sentiment":"neutral","sentiment_score":-0.30708518146134134,"num_words":67,"start":1345.14,"end":1369.27},{"sentences":[{"text":"So if you're comfortable, just as an idea, I would probably aim for, you know, 1,000 each with no mortgage in today's dollars and factor in what that would look like in fifteen years.","start":1371.09,"end":1382.5349,"sentiment":"neutral","sentiment_score":-0.01020102747989928},{"text":"How's that sound?","start":1383.715,"end":1384.695,"sentiment":"neutral","sentiment_score":0.1271095077196757},{"text":"Cool.","start":1386.2749,"end":1386.7749,"sentiment":"positive","sentiment_score":0.3678609430789947},{"text":"Okay.","start":1387.635,"end":1388.0349,"sentiment":"neutral","sentiment_score":0.16607216000556946},{"text":"So beyond that, I can look at a little bit of a like for like comparison.","start":1388.0349,"end":1393.0399,"sentiment":"neutral","sentiment_score":0.024018401745706797}],"sentiment":"neutral","sentiment_score":0.017322202179242265,"num_words":55,"start":1371.09,"end":1393.0399},{"sentences":[{"text":"I don't really see too many issues with that life insurance that you mentioned and the TPD and and whatnot, unless you wanted me to do some quotes for, you know, income protection or trauma insurance.","start":1393.9,"end":1405.12,"sentiment":"neutral","sentiment_score":-0.157914395754536},{"text":"Cool.","start":1408.1749,"end":1408.6749,"sentiment":"neutral","sentiment_score":-0.1740732342004776},{"text":"So I'll do a little bit of a like for like on that one, we call it.","start":1410.495,"end":1414.755,"sentiment":"neutral","sentiment_score":-0.05556266360423144},{"text":"Estate planning wise, I guess I kind of already know the answer, but who are you wanting to leave the the super and the life insurance to?","start":1417.0549,"end":1424.49,"sentiment":"neutral","sentiment_score":-0.0771470911524914},{"text":"Right.","start":1430.07,"end":1430.23,"sentiment":"neutral","sentiment_score":0.008473088033497334}],"sentiment":"neutral","sentiment_score":-0.10826896506974973,"num_words":82,"start":1393.9,"end":1430.23},{"sentences":[{"text":"And you guys have...","start":1430.23,"end":1431.27,"sentiment":"neutral","sentiment_score":-0.002692071720957756},{"text":"Is it three three children?","start":1431.27,"end":1432.97,"sentiment":"neutral","sentiment_score":-0.011889820732176305},{"text":"Three kids.","start":1434.3099,"end":1434.945,"sentiment":"neutral","sentiment_score":0.0034298603422939777},{"text":"Was it one dependent, two out of home?","start":1435.585,"end":1438.8049,"sentiment":"neutral","sentiment_score":-0.012344137881882489},{"text":"Okay.","start":1444.225,"end":1444.5449,"sentiment":"neutral","sentiment_score":0.01957303285598755}],"sentiment":"neutral","sentiment_score":-0.007126887002959848,"num_words":20,"start":1430.23,"end":1444.5449},{"sentences":[{"text":"So two over 18, 11, 21, and 24.","start":1444.5449,"end":1451.59,"sentiment":"neutral","sentiment_score":0.018997315783053637},{"text":"Is there anything that you would like to factor in for for the kids?","start":1451.73,"end":1456.0701,"sentiment":"neutral","sentiment_score":0.03556928890092032},{"text":"K.","start":1459.25,"end":1459.75,"sentiment":"neutral","sentiment_score":-0.02535587176680565},{"text":"Not doing any investing so they can get a house or anything crazy like that?","start":1459.97,"end":1463.655,"sentiment":"neutral","sentiment_score":-0.12806801199913026},{"text":"So focus on the mortgage first, and then once that's done, then we can talk about other things.","start":1467.975,"end":1472.9551,"sentiment":"neutral","sentiment_score":-0.0021991044696834353}],"sentiment":"neutral","sentiment_score":-0.023857345738049065,"num_words":56,"start":1444.5449,"end":1472.9551},{"sentences":[{"text":"Yeah.","start":1473.975,"end":1474.295,"sentiment":"neutral","sentiment_score":0.017057472839951515},{"text":"No.","start":1474.295,"end":1474.4551,"sentiment":"neutral","sentiment_score":-0.015501033514738085},{"text":"That's totally fair.","start":1474.4551,"end":1475.595,"sentiment":"neutral","sentiment_score":0.026734537134567898},{"text":"Did you guys end up getting, like, a will and a power of attorney put in place?","start":1477.74,"end":1481.36,"sentiment":"neutral","sentiment_score":0.031371764126507676},{"text":"Is that something that you feel like you should put in place?","start":1484.46,"end":1487.68,"sentiment":"neutral","sentiment_score":0.01470719991872708}],"sentiment":"neutral","sentiment_score":0.023281365879537427,"num_words":34,"start":1473.975,"end":1487.68},{"sentences":[{"text":"Cool.","start":1489.66,"end":1490.16,"sentiment":"neutral","sentiment_score":0.31301531195640564},{"text":"I'll give you a little bit of a tip there.","start":1490.78,"end":1492.62,"sentiment":"neutral","sentiment_score":0.18139647096395492},{"text":"I think we sent some some documents through to to Nick for a referral.","start":1492.62,"end":1497.695,"sentiment":"neutral","sentiment_score":0.026857406699231694},{"text":"Not sure if he still has those there, but we can always send those through again.","start":1498.155,"end":1501.775,"sentiment":"neutral","sentiment_score":0.038765220320783556},{"text":"Might give you a bit of a helping hand.","start":1501.835,"end":1503.535,"sentiment":"neutral","sentiment_score":0.1883571876419915}],"sentiment":"neutral","sentiment_score":0.09636883858591318,"num_words":50,"start":1489.66,"end":1503.535},{"sentences":[{"text":"Cool.","start":1505.4349,"end":1505.91,"sentiment":"neutral","sentiment_score":0.2152567058801651},{"text":"Can I grab from you as well just quick?","start":1507.11,"end":1509.11,"sentiment":"neutral","sentiment_score":0.11842404223150677},{"text":"I'm just looking at the details I've already noted down.","start":1509.11,"end":1511.85,"sentiment":"neutral","sentiment_score":0.05095059331506491},{"text":"Your employer...","start":1512.31,"end":1513.4501,"sentiment":"neutral","sentiment_score":0.010865655727684498},{"text":"Your employee's name, if I could grab that, please.","start":1514.0701,"end":1516.3301,"sentiment":"neutral","sentiment_score":0.04540258749491639}],"sentiment":"neutral","sentiment_score":0.0716430199362578,"num_words":31,"start":1505.4349,"end":1516.3301},{"sentences":[{"text":"Lemonade.","start":1521.35,"end":1521.85,"sentiment":"neutral","sentiment_score":0.1637991964817047},{"text":"Very cute name.","start":1522.365,"end":1523.085,"sentiment":"positive","sentiment_score":0.7375021576881409},{"text":"I like it.","start":1523.085,"end":1523.905,"sentiment":"positive","sentiment_score":0.703111449877421},{"text":"How are they to work for?","start":1525.165,"end":1526.0449,"sentiment":"neutral","sentiment_score":0.197049746910731},{"text":"Okay.","start":1526.0449,"end":1526.205,"sentiment":"neutral","sentiment_score":0.10635627806186676}],"sentiment":"positive","sentiment_score":0.41244962705033167,"num_words":14,"start":1521.35,"end":1526.205},{"sentences":[{"text":"Pretty good.","start":1526.205,"end":1529.745,"sentiment":"neutral","sentiment_score":0.24185402691364288},{"text":"Asset liabilities.","start":1530.845,"end":1531.585,"sentiment":"neutral","sentiment_score":0.06811446696519852},{"text":"Anita, have you ever gone through a bankruptcy or debt agreement before?","start":1532.285,"end":1538.86,"sentiment":"neutral","sentiment_score":0.007905936722333232},{"text":"Yep.","start":1538.86,"end":1539.36,"sentiment":"neutral","sentiment_score":0.058694928884506226},{"text":"Love to hear.","start":1540.3,"end":1541.2001,"sentiment":"neutral","sentiment_score":0.1679669295748075}],"sentiment":"neutral","sentiment_score":0.06387019730173052,"num_words":20,"start":1526.205,"end":1541.2001},{"sentences":[{"text":"And when you went through with the guys to get that initial advice, did you have any conversations with them in terms of health question for the insurance side of things.","start":1542.38,"end":1554.455,"sentiment":"neutral","sentiment_score":-0.013865315986256446},{"text":"K.","start":1556.835,"end":1557.335,"sentiment":"neutral","sentiment_score":-0.04002638161182403},{"text":"One thing I will let you know is that when it comes to insurances, if you were to switch super funds and try and replace that policy with the life and TPD that you were saying, you would go through an application, and they would go through health history.","start":1557.715,"end":1571.4,"sentiment":"neutral","sentiment_score":-0.02695961463816312},{"text":"So if you have had this diagnosed, any medication, things like that, what tends to happen is if you have any preexisting conditions, let's say, you can get things like exclusions where they say, oh, you've had a knee reconstruction, so we're gonna exclude your knee, and you can't actually claim on that if something were to happen to you.","start":1571.7001,"end":1592.735,"sentiment":"neutral","sentiment_score":-0.04862123460819324},{"text":"Does that sort of make sense?","start":1593.755,"end":1594.95,"sentiment":"neutral","sentiment_score":-0.057667270923654236}],"sentiment":"neutral","sentiment_score":-0.03438197276523324,"num_words":147,"start":1542.38,"end":1594.95},{"sentences":[{"text":"Do you...","start":1596.3899,"end":1596.87,"sentiment":"neutral","sentiment_score":-0.012640415225178003},{"text":"Are you comfortable for me to ask you some of those questions tonight, or would you prefer further down the line?","start":1596.87,"end":1602.49,"sentiment":"neutral","sentiment_score":-0.0036265085495653607},{"text":"Cool.","start":1603.35,"end":1603.85,"sentiment":"neutral","sentiment_score":0.16457456350326538},{"text":"So the main thing I would ask is in terms of any current medications.","start":1603.99,"end":1607.69,"sentiment":"neutral","sentiment_score":0.03682451016668763},{"text":"Okay.","start":1612.4551,"end":1612.935,"sentiment":"neutral","sentiment_score":0.021708587184548375}],"sentiment":"neutral","sentiment_score":0.015394584180261845,"num_words":39,"start":1596.3899,"end":1612.935},{"sentences":[{"text":"And is that for anything kind of pain related or mental health related?","start":1612.935,"end":1616.635,"sentiment":"neutral","sentiment_score":-0.009938674047589302},{"text":"Sleeping.","start":1619.095,"end":1619.5751,"sentiment":"neutral","sentiment_score":0.20660755038261416},{"text":"Okay.","start":1619.5751,"end":1619.8151,"sentiment":"positive","sentiment_score":0.3349195718765259},{"text":"Cool.","start":1619.8151,"end":1620.09,"sentiment":"positive","sentiment_score":0.4267588853836059},{"text":"They will always ask the following questions about sleeping.","start":1621.61,"end":1624.09,"sentiment":"neutral","sentiment_score":0.18775745067331526}],"sentiment":"neutral","sentiment_score":0.10115601204335689,"num_words":25,"start":1612.935,"end":1624.09},{"sentences":[{"text":"You know, is there sleep apnea there, anything like that, any conditions that it's linked to, or is it just a sleep aid?","start":1624.09,"end":1630.59,"sentiment":"neutral","sentiment_score":0.053216881645114525},{"text":"Yep.","start":1633.37,"end":1633.77,"sentiment":"neutral","sentiment_score":0.1609233915805817},{"text":"Get to sleep.","start":1633.77,"end":1634.4099,"sentiment":"neutral","sentiment_score":0.19920716186364493},{"text":"Perfect.","start":1634.4099,"end":1634.9099,"sentiment":"positive","sentiment_score":0.46521252393722534},{"text":"Have you ever been hospitalized or any major injuries?","start":1636.045,"end":1639.1051,"sentiment":"neutral","sentiment_score":-0.009449868980381224}],"sentiment":"neutral","sentiment_score":0.06385667184116067,"num_words":37,"start":1624.09,"end":1639.1051},{"sentences":[{"text":"Fantastic.","start":1641.0851,"end":1641.5851,"sentiment":"neutral","sentiment_score":0.18812598288059235},{"text":"And have you ever been diagnosed with any any kind of condition?","start":1643.0851,"end":1646.865,"sentiment":"neutral","sentiment_score":0.012369964427004257},{"text":"Migraines.","start":1650.285,"end":1650.69,"sentiment":"neutral","sentiment_score":-0.08496197313070297},{"text":"Migraines.","start":1651.1699,"end":1651.6699,"sentiment":"neutral","sentiment_score":-0.04160642251372337},{"text":"That is always a fun one.","start":1651.73,"end":1653.5099,"sentiment":"neutral","sentiment_score":0.0979270190000534}],"sentiment":"neutral","sentiment_score":0.0379790130647875,"num_words":21,"start":1641.0851,"end":1653.5099},{"sentences":[{"text":"Not to go too deep into it, but the insurers, for some odd reason, they absolutely hate migraines or at least untreated.","start":1654.1299,"end":1661.5099,"sentiment":"neutral","sentiment_score":-0.16335763917727905},{"text":"I know my sister in law's got, like, a piercing in her ear to help reduce migraines things like that.","start":1662.45,"end":1667.735,"sentiment":"neutral","sentiment_score":-0.028534006513655185},{"text":"Have you ever been, I guess, recommended to go see, like, a neurological specialist to do with the migraines?","start":1667.735,"end":1674.315,"sentiment":"neutral","sentiment_score":-0.039049619612725156},{"text":"Yeah.","start":1677.255,"end":1677.6549,"sentiment":"neutral","sentiment_score":0.01523653045296669},{"text":"K.","start":1677.6549,"end":1678.1549,"sentiment":"neutral","sentiment_score":0.012305522337555884}],"sentiment":"neutral","sentiment_score":-0.07744363352419838,"num_words":63,"start":1654.1299,"end":1678.1549},{"sentences":[{"text":"Perfect.","start":1682.15,"end":1682.47,"sentiment":"neutral","sentiment_score":0.31620168685913086},{"text":"So that's all kind of linked together a little little bit.","start":1682.47,"end":1685.61,"sentiment":"neutral","sentiment_score":0.21361909400333057},{"text":"Yeah.","start":1690.39,"end":1690.87,"sentiment":"neutral","sentiment_score":0.05262511968612671},{"text":"No worries.","start":1690.87,"end":1691.61,"sentiment":"neutral","sentiment_score":0.042545218020677567},{"text":"So there was a specialist before.","start":1692.185,"end":1693.805,"sentiment":"neutral","sentiment_score":0.009009395260363817}],"sentiment":"neutral","sentiment_score":0.1360849356278777,"num_words":21,"start":1682.15,"end":1693.805},{"sentences":[{"text":"Was that, like, the last five years, or was that ten, fifteen years ago?","start":1693.865,"end":1698.045,"sentiment":"neutral","sentiment_score":-0.0018763277746204818},{"text":"Over ten years ago.","start":1700.025,"end":1701.325,"sentiment":"neutral","sentiment_score":-0.018604292534291744},{"text":"So when they go through that, they usually get some some doctor's reports not to try and make it the the hardest thing in the world.","start":1702.985,"end":1710.24,"sentiment":"neutral","sentiment_score":-0.05550806582547151},{"text":"But when they do that, was there any recommendations from the doctors about follow-up treatments or surgeries?","start":1710.4601,"end":1717.68,"sentiment":"neutral","sentiment_score":-0.03262303572367219},{"text":"Perfect.","start":1720.06,"end":1720.56,"sentiment":"neutral","sentiment_score":0.08188778162002563}],"sentiment":"neutral","sentiment_score":-0.03252579509881475,"num_words":62,"start":1693.865,"end":1720.56},{"sentences":[{"text":"So what I usually do from there is NDIS support worker is, I guess, your occupation rating.","start":1720.965,"end":1727.465,"sentiment":"neutral","sentiment_score":0.007920001249979524},{"text":"That affects the price.","start":1728.645,"end":1730.105,"sentiment":"neutral","sentiment_score":-0.015339870937168598},{"text":"So we'll call around all the insurers.","start":1730.1649,"end":1731.9249,"sentiment":"neutral","sentiment_score":0.022114606574177742},{"text":"We'll see who was recommended already, see if I can find someone that gives you the best price for your occupation.","start":1731.9249,"end":1737.64,"sentiment":"neutral","sentiment_score":0.06759362454925265},{"text":"And then it's basically just a call around regarding migraines, which we do anonymously.","start":1737.94,"end":1742.92,"sentiment":"neutral","sentiment_score":0.037204476073384285}],"sentiment":"neutral","sentiment_score":0.03441923117590329,"num_words":63,"start":1720.965,"end":1742.92},{"sentences":[{"text":"We actually call the insurers up and say this is what's going on.","start":1743.38,"end":1746.675,"sentiment":"neutral","sentiment_score":0.02230072322373207},{"text":"They may ask us a few follow-up questions, and we may need just a little bit more details from you as well.","start":1747.2351,"end":1752.535,"sentiment":"neutral","sentiment_score":0.0209321296477521},{"text":"Perfect.","start":1753.795,"end":1754.295,"sentiment":"positive","sentiment_score":0.4453538656234741},{"text":"Failing that, there is also things like transfer of insurances.","start":1754.675,"end":1758.535,"sentiment":"neutral","sentiment_score":-0.1193035364151001},{"text":"So if there's an issue where they wouldn't cover you for something, you can possibly even just transfer your insurances across as they are, and it may be far cheaper than what you're currently paying as well.","start":1758.5951,"end":1770.53,"sentiment":"neutral","sentiment_score":0.022540697777593457}],"sentiment":"neutral","sentiment_score":0.010081211727740893,"num_words":83,"start":1743.38,"end":1770.53},{"sentences":[{"text":"Would you be comfortable for me to look into that as an option?","start":1771.71,"end":1774.2899,"sentiment":"neutral","sentiment_score":0.13984234287188604},{"text":"Cool.","start":1776.59,"end":1777.005,"sentiment":"neutral","sentiment_score":0.1219329833984375},{"text":"Yeah.","start":1779.325,"end":1779.5651,"sentiment":"neutral","sentiment_score":0.1014612466096878},{"text":"Correct.","start":1779.5651,"end":1779.965,"sentiment":"neutral","sentiment_score":0.15460295975208282},{"text":"And through HESTA, what they've got is, like, one of the major five insurers offer the cover through the super fund, and that can actually be, like, captured and moved across to, for example, a MyNorth or a Hub twenty four or somebody.","start":1779.965,"end":1792.625,"sentiment":"neutral","sentiment_score":0.100707366975934}],"sentiment":"neutral","sentiment_score":0.11061634622135405,"num_words":59,"start":1771.71,"end":1792.625},{"sentences":[{"text":"I know MyNorth is actually releasing their own transfer of insurances in, I think, November.","start":1793.2101,"end":1799.55,"sentiment":"neutral","sentiment_score":0.037383452678720154},{"text":"So that may be coming up there as well.","start":1799.77,"end":1801.9501,"sentiment":"neutral","sentiment_score":0.030198927347858746},{"text":"Cool.","start":1803.4501,"end":1803.9501,"sentiment":"neutral","sentiment_score":0.2871333360671997},{"text":"Alright.","start":1804.25,"end":1804.695,"sentiment":"neutral","sentiment_score":0.249249666929245},{"text":"So I've got a pretty good idea of the situation there.","start":1804.855,"end":1808.955,"sentiment":"positive","sentiment_score":0.3908710100434043}],"sentiment":"neutral","sentiment_score":0.15320287161582224,"num_words":37,"start":1793.2101,"end":1808.955},{"sentences":[{"text":"Are you able to possibly take down our email address to send through that advice document to us?","start":1809.095,"end":1815.0349,"sentiment":"neutral","sentiment_score":0.18714367101589838},{"text":"Yep.","start":1816.5349,"end":1817.0349,"sentiment":"neutral","sentiment_score":0.09658588469028472},{"text":"If you do have maybe, like, a notes app on the phone or a pen and paper handy, just let me know when you're when you're ready.","start":1818.0801,"end":1823.7001,"sentiment":"neutral","sentiment_score":0.09064809826237184},{"text":"Perfect.","start":1824.8,"end":1825.3,"sentiment":"neutral","sentiment_score":0.26548340916633606},{"text":"So we go research.","start":1825.36,"end":1827.78,"sentiment":"neutral","sentiment_score":0.16615666449069977}],"sentiment":"neutral","sentiment_score":0.13417217025862022,"num_words":51,"start":1809.095,"end":1827.78},{"sentences":[{"text":"And then this one's a bit of a mouthful, but it's at oakviewfinancial.com.au.","start":1834.175,"end":1839.2151,"sentiment":"neutral","sentiment_score":0.06439011916518211},{"text":"So oakviewfinancial.com.au.","start":1839.2151,"end":1846.7001,"sentiment":"neutral","sentiment_score":0.047806210815906525},{"text":"Perfect.","start":1852.8401,"end":1853.3401,"sentiment":"positive","sentiment_score":0.4008082151412964},{"text":"So what I'll basically be doing is just having a look at what was in there, do some comparisons, and see if there's something that kind of links in for you guys as a couple where I can maybe get you some extra benefits there.","start":1854.6001,"end":1866.305,"sentiment":"neutral","sentiment_score":0.2491694642437829},{"text":"And then we would pretty much just book in for a statement of advice presentation.","start":1866.605,"end":1871.84,"sentiment":"neutral","sentiment_score":0.19563609957695008}],"sentiment":"neutral","sentiment_score":0.20369288908611788,"num_words":76,"start":1834.175,"end":1871.84},{"sentences":[{"text":"You probably would have had that with the other guys where they walk you through the documents maybe with Nick on the phone.","start":1871.84,"end":1877.36,"sentiment":"neutral","sentiment_score":0.13762299181974452},{"text":"Is that what happened?","start":1877.36,"end":1878.34,"sentiment":"neutral","sentiment_score":0.041270737536251545},{"text":"Yep.","start":1880.08,"end":1880.32,"sentiment":"neutral","sentiment_score":0.07816318422555923},{"text":"So maybe a similar thing like that.","start":1880.32,"end":1882.08,"sentiment":"neutral","sentiment_score":0.0666992696268218},{"text":"Usually takes me about fifteen minutes or so.","start":1882.48,"end":1886.5651,"sentiment":"neutral","sentiment_score":0.02948913222644478}],"sentiment":"neutral","sentiment_score":0.09561355561451164,"num_words":43,"start":1871.84,"end":1886.5651},{"sentences":[{"text":"Cool.","start":1886.5651,"end":1887.0651,"sentiment":"positive","sentiment_score":0.39550918340682983},{"text":"Any questions for me so far, Anita?","start":1887.685,"end":1889.4651,"sentiment":"neutral","sentiment_score":0.20565687119960785},{"text":"Cool.","start":1892.165,"end":1892.665,"sentiment":"neutral","sentiment_score":0.12778404355049133},{"text":"I was just gonna double check before I kind of wrap up my side of things.","start":1893.4451,"end":1897.35,"sentiment":"neutral","sentiment_score":0.02949188486672938},{"text":"Is Mick available still to go through anything tonight, or is that kind of in --?","start":1898.3099,"end":1904.09,"sentiment":"neutral","sentiment_score":-0.009074620786122978}],"sentiment":"neutral","sentiment_score":0.055843110991323865,"num_words":41,"start":1886.5651,"end":1904.09},{"sentences":[{"text":"Oh, poor guy.","start":1904.15,"end":1905.11,"sentiment":"negative","sentiment_score":-0.5466048717498779},{"text":"He's gonna have a rough night.","start":1905.11,"end":1906.57,"sentiment":"negative","sentiment_score":-0.5495127240816752},{"text":"One thing I'll do, if it's possible, is maybe just let Mick know that the the old spouse contributions are probably not the go just based on your income.","start":1909.35,"end":1917.875,"sentiment":"neutral","sentiment_score":-0.06338379602750828},{"text":"But there are obviously the couple's discounts for both Oakview and with certain super funds that I'll look into to for both of you guys.","start":1919.855,"end":1930.8779,"sentiment":"neutral","sentiment_score":0.0699487541615963},{"text":"And the last thing too is we do have to go through just a little bit of a updated review for him as well because there was just a few things that he had spoken to one of the advisers about recently, and we just wanted to kind of run through any updates to his circumstances, which obviously I can't talk about because I haven't gone through security with him yet.","start":1931.554,"end":1955.31,"sentiment":"neutral","sentiment_score":-0.026636444320771058}],"sentiment":"neutral","sentiment_score":-0.05162305774083778,"num_words":134,"start":1904.15,"end":1955.31},{"sentences":[{"text":"So if you can let him know, that'd be fantastic.","start":1955.63,"end":1958.93,"sentiment":"positive","sentiment_score":0.47074879705905914},{"text":"Cool.","start":1961.15,"end":1961.65,"sentiment":"positive","sentiment_score":0.4377450346946716},{"text":"Basically, from here, I'll just wait to get that email through.","start":1962.5901,"end":1965.0701,"sentiment":"neutral","sentiment_score":0.2224200896241448},{"text":"I'll give it to the team to analyze, and we'll get you booked in after that.","start":1965.0701,"end":1969.535,"sentiment":"neutral","sentiment_score":0.23251101467758417},{"text":"Is there anything else that I can help you with?","start":1969.8351,"end":1972.0951,"sentiment":"neutral","sentiment_score":0.1424397937953472}],"sentiment":"neutral","sentiment_score":0.2653422534155349,"num_words":48,"start":1955.63,"end":1972.0951},{"sentences":[{"text":"Yeah.","start":1976.395,"end":1976.635,"sentiment":"neutral","sentiment_score":0.18267177045345304},{"text":"That'd be great.","start":1976.635,"end":1977.3551,"sentiment":"positive","sentiment_score":0.5281800627708435},{"text":"Do you want me to hang around on the phone for a couple more minutes for Mick, or do you think that kind of helps enough tonight?","start":1977.3551,"end":1983.52,"sentiment":"neutral","sentiment_score":0.12067786852518718},{"text":"Not that I'm in a rush to get off the phone at all.","start":1986.7,"end":1988.62,"sentiment":"neutral","sentiment_score":-0.1706647391502674},{"text":"I've got a whole, you know, hour, hour and a half booked out for you guys.","start":1988.62,"end":1991.84,"sentiment":"neutral","sentiment_score":0.25636593298986554}],"sentiment":"neutral","sentiment_score":0.11514546213050683,"num_words":60,"start":1976.395,"end":1991.84},{"sentences":[{"text":"I'm totally happy to wait on hold or whatever he needs.","start":1991.98,"end":1995.005,"sentiment":"positive","sentiment_score":0.5640972310846503},{"text":"Thank you.","start":1998.505,"end":1999.245,"sentiment":"positive","sentiment_score":0.46046195924282074},{"text":"That is okay.","start":2013.12,"end":2014.16,"sentiment":"neutral","sentiment_score":0.2839505473772685},{"text":"So what I might do is I will kind of build you a file on our system just so all the information is there that we've talked about today.","start":2014.16,"end":2023.035,"sentiment":"neutral","sentiment_score":0.2127426397697679},{"text":"And I would just reach out or send Mick an email, text message just to let him know that I'd like to sort of do a catch up with him as well, and and then we can go from there.","start":2023.335,"end":2033.1951,"sentiment":"neutral","sentiment_score":0.21635017916560173}],"sentiment":"neutral","sentiment_score":0.26825163320583456,"num_words":85,"start":1991.98,"end":2033.1951},{"sentences":[{"text":"Awesome, Anita.","start":2035.655,"end":2036.555,"sentiment":"positive","sentiment_score":0.7555957436561584},{"text":"Thank you so much for your time tonight.","start":2036.8,"end":2038.16,"sentiment":"positive","sentiment_score":0.8506325706839561},{"text":"I really appreciate it.","start":2038.16,"end":2039.38,"sentiment":"positive","sentiment_score":0.8658343255519867},{"text":"Alrighty.","start":2041.68,"end":2042.18,"sentiment":"positive","sentiment_score":0.4574925005435944},{"text":"Talk to you soon.","start":2042.24,"end":2042.96,"sentiment":"positive","sentiment_score":0.44790758192539215}],"sentiment":"positive","sentiment_score":0.7383532728019514,"num_words":19,"start":2035.655,"end":2042.96},{"sentences":[{"text":"Thank you.","start":2042.96,"end":2043.7001,"sentiment":"positive","sentiment_score":0.6238916218280792},{"text":"Bye.","start":2044.72,"end":2045.22,"sentiment":"neutral","sentiment_score":0.1546509712934494}],"sentiment":"positive","sentiment_score":0.46747807164986926,"num_words":3,"start":2042.96,"end":2045.22}]}}]},{"alternatives":[{"transcript":"Hello? It is Anita. I'm good. How are you? Yeah. I'm actually in a work meeting at the moment, so it's just me at the moment. Mhmm. Yep. Mhmm. Yep. Well, I'm looking to find... I've been speaking to somebody else, like, previously about swapping my super over and... Because at the moment, it's not very healthy. And they had, like, told me what their fees were and what they could get it get it up to and stuff, and Mick was a bit like, I think their fees are a bit high and to see what your comparison was. Mhmm. Yeah. It probably would have been an email. They sent me, like, a contract to sign, which I haven't, but I know that it was, like, a 2.5% per year. I don't know what... If there was an upfront fee. But I know they said they could get it up to around 600,000 by the time I'm around 60. Mhmm. No. I think I've only got about a 100, maybe a 100 and five or something. I'm 45. None of it makes sense to me. That's why I make me talk. But he was like, it all sounded good, but he thinks the ongoing fees are a bit much. Mhmm. Yep. Well, that's expensive, but I'm still looking for a higher outcome. Yeah. Yeah. Yep. Yep. Yeah. This is Nick's phone. Mine's 0433456136. Drama, d r a m a q w, e e, n. Yep. 81@hotmail.com. I've tried to change my email address, and I can never remember it. So I just have to stick. Yep. Nope. Mhmm. Yep. 04/30/1981. Yep. Mhmm. Yep. Yeah. Mhmm. I don't see me ever giving up my job, but I'm not gonna be able to do it forever. So probably around 62. Yeah. I wouldn't... But I work with, like, really violent clients, so I don't see me being... Me 60 Spartan people. Support work. Yes. Yes. NDIS. But... High complex. No. I wasn't. The last five years? Maybe not. They're pretty aggressive. No. No. No. My client's only 16, but she's like the Hulk and very behavioral. Yeah. A lot. Mhmm. Yeah. No. My income's not under that. I think last year was about a 130. It's really unfair, isn't it? My previous company had salary packaging, but this one does not. So... No. Well, at the moment, we're just trying to smash off our mortgage. We recently refinanced, and we're just trying to pay that off as quick as possible. Does it... Yeah. The goal is to have that paid off, let's say, within the next seven ish years. It really would be. No. I think we're doing alright with that. Oh, yeah. Yeah. Not at the moment. Just pay that off, then we can enjoy holidays and things like that. Yeah. Absolutely. Mhmm. No. All our loans would be facilitated into the mortgage. I don't think there's anything that we have now. What we do refinance for? Do you mean? I think it's $5.25 ish. Yeah. Mix all over that stuff. I just spend the money. He organized it. I buy silly things. Mhmm. I have a car that's been refinanced into our mortgage, so there's no loan on that. About 50,000. 15... Between 50 and 55. No. Not electric, but it is new. There... I think there were links in our offset account, but there's probably, like, $18. Yes. Mhmm. Yep. Cool. Mhmm. Yep. Yeah. I think you just said that one was gonna get me the highest kind of return without it being, like, whiskey? Yes. Oh, I have no idea. Yep. Mhmm. No. Mhmm. Yep. Okay. Mhmm. Yep. Yeah. Yeah. Yep. Mhmm. Yep. Not really. He said what I have now with my current super fund, I'm paying heaps for nothing. And I think he was looking at 600,000 life insurance and TPD for about $600 a year. Hesto. It's not Hesto. Is it Hesto? Let me just have a look. I think it is Hesto. Yeah. It's purple. There it is. Mhmm. Don't really know. I've never bothered looking at anything to do with my sister, to be honest. Just sign up with whoever the company is with at the time, I think. Yes. I believe so. Because I... The first people I rang was, like, find my super, and I was like, can you find my super? And then they came back with all these things. No. Mhmm. Yep. Yep. Yeah. Yep. No. I just don't even see it possible to live off anything other than what we earn right now. It seems so bizarre to think about not having weekly income. Mhmm. Yes. Yep. I actually don't know. Mick does everything. Yep. Yep. Yep. Yep. I don't know. I don't know. I really don't know how to work that out. Jesus. 70,000. It really does. Yeah. Absolutely not. Each sounds okay. Yeah. That's good. Mhmm. Mhmm. Mhmm. Which isn't much these days either. So Yep. Yep. Yep. Perfect. I don't think so. Will if Michael still around? Did it be him, miss Miller, to be my children? Three kids. Yep. Two live here, but one's... The other one that lives here is 21. So it's 11, 21, and 24. Mhmm. I would love for that to happen, but... No. Yeah. Yeah. Probably. Oh, okay. Yep. Yep. Cool. It's project make lemonade. Yeah. Pretty good. Mhmm. No. I don't think so. Mhmm. Mhmm. Okay. Yep. Mhmm. Yep. Yeah. Yeah. That's fine. I take CBD gummies. No. She's just sleeping. Just to help me get to sleep. No. I suffer migraines. Mhmm. I've seen specialists. I was on medication for it, but the CBD helps, so I don't need it. Sort of it. It just helps. Like, it wasn't prescribed for that, but it helps. Oh, this bracelet is probably over ten years ago. No. Yep. Yeah. The insurance is only three heads together. Right? Yes. Okay. Yes. Mhmm. Yeah. I've got a pen. I'm ready. Yep. Mhmm. Yep. Mhmm. Yeah. Okay. No. He's still in there on his meeting. Yep. Yep. Okay. Easy. So I'm just writing it and just... Okay. Yep. Yep. Easy. Okay. No. That's it. I'll try and find the email now and get through to you. Let me just have a look. 289872. Nope. Still going. No. I I couldn't tell him he's gonna be, but he's still in the meeting. Yep. Yeah. Easy. Okay. Thank you so much. You too. Okay. Bye. 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It is Anita. I'm good. How are you? Yeah.\n\nI'm actually in a work meeting at the moment, so it's just me at the moment. Mhmm. Yep. Mhmm. Yep.\n\nWell, I'm looking to find... I've been speaking to somebody else, like, previously about swapping my super over and... Because at the moment, it's not very healthy. And they had, like, told me what their fees were and what they could get it get it up to and stuff, and Mick was a bit like, I think their fees are a bit high and to see what your comparison was. Mhmm.\n\nYeah. It probably would have been an email. They sent me, like, a contract to sign, which I haven't, but I know that it was, like, a 2.5% per year. I don't know what... If there was an upfront fee.\n\nBut I know they said they could get it up to around 600,000 by the time I'm around 60. Mhmm. No. I think I've only got about a 100, maybe a 100 and five or something. I'm 45.\n\nNone of it makes sense to me. That's why I make me talk. But he was like, it all sounded good, but he thinks the ongoing fees are a bit much. Mhmm. Yep.\n\nWell, that's expensive, but I'm still looking for a higher outcome. Yeah. Yeah. Yep. Yep.\n\nYeah. This is Nick's phone. Mine's 0433456136. Drama, d r a m a q w, e e, n. Yep.\n\n81@hotmail.com. I've tried to change my email address, and I can never remember it. So I just have to stick. Yep. Nope.\n\nMhmm. Yep. 04/30/1981. Yep. Mhmm.\n\nYep. Yeah. Mhmm. I don't see me ever giving up my job, but I'm not gonna be able to do it forever. So probably around 62.\n\nYeah. I wouldn't... But I work with, like, really violent clients, so I don't see me being... Me 60 Spartan people. Support work.\n\nYes. Yes. NDIS. But... High complex.\n\nNo. I wasn't. The last five years? Maybe not. They're pretty aggressive.\n\nNo. No. No. My client's only 16, but she's like the Hulk and very behavioral. Yeah.\n\nA lot. Mhmm. Yeah. No. My income's not under that.\n\nI think last year was about a 130. It's really unfair, isn't it? My previous company had salary packaging, but this one does not. So... No.\n\nWell, at the moment, we're just trying to smash off our mortgage. We recently refinanced, and we're just trying to pay that off as quick as possible. Does it... Yeah. The goal is to have that paid off, let's say, within the next seven ish years.\n\nIt really would be. No. I think we're doing alright with that. Oh, yeah. Yeah.\n\nNot at the moment. Just pay that off, then we can enjoy holidays and things like that. Yeah. Absolutely. Mhmm.\n\nNo. All our loans would be facilitated into the mortgage. I don't think there's anything that we have now. What we do refinance for? Do you mean?\n\nI think it's $5.25 ish. Yeah. Mix all over that stuff. I just spend the money. He organized it.\n\nI buy silly things. Mhmm. I have a car that's been refinanced into our mortgage, so there's no loan on that. About 50,000. 15...\n\nBetween 50 and 55. No. Not electric, but it is new. There... I think there were links in our offset account, but there's probably, like, $18.\n\nYes. Mhmm. Yep. Cool. Mhmm.\n\nYep. Yeah. I think you just said that one was gonna get me the highest kind of return without it being, like, whiskey? Yes. Oh, I have no idea.\n\nYep. Mhmm. No. Mhmm. Yep.\n\nOkay. Mhmm. Yep. Yeah. Yeah.\n\nYep. Mhmm. Yep. Not really. He said what I have now with my current super fund, I'm paying heaps for nothing.\n\nAnd I think he was looking at 600,000 life insurance and TPD for about $600 a year. Hesto. It's not Hesto. Is it Hesto? Let me just have a look.\n\nI think it is Hesto. Yeah. It's purple. There it is. Mhmm.\n\nDon't really know. I've never bothered looking at anything to do with my sister, to be honest. Just sign up with whoever the company is with at the time, I think. Yes. I believe so.\n\nBecause I... The first people I rang was, like, find my super, and I was like, can you find my super? And then they came back with all these things. No. Mhmm.\n\nYep. Yep. Yeah. Yep. No.\n\nI just don't even see it possible to live off anything other than what we earn right now. It seems so bizarre to think about not having weekly income. Mhmm. Yes. Yep.\n\nI actually don't know. Mick does everything. Yep. Yep. Yep.\n\nYep. I don't know. I don't know. I really don't know how to work that out. Jesus.\n\n70,000. It really does. Yeah. Absolutely not. Each sounds okay.\n\nYeah. That's good. Mhmm. Mhmm. Mhmm.\n\nWhich isn't much these days either. So Yep. Yep. Yep. Perfect.\n\nI don't think so. Will if Michael still around? Did it be him, miss Miller, to be my children? Three kids. Yep.\n\nTwo live here, but one's... The other one that lives here is 21. So it's 11, 21, and 24. Mhmm. I would love for that to happen, but...\n\nNo. Yeah. Yeah. Probably. Oh, okay.\n\nYep. Yep. Cool. It's project make lemonade. Yeah.\n\nPretty good. Mhmm. No. I don't think so. Mhmm.\n\nMhmm. Okay. Yep. Mhmm. Yep.\n\nYeah. Yeah. That's fine. I take CBD gummies. No.\n\nShe's just sleeping. Just to help me get to sleep. No. I suffer migraines. Mhmm.\n\nI've seen specialists. I was on medication for it, but the CBD helps, so I don't need it. Sort of it. It just helps. Like, it wasn't prescribed for that, but it helps.\n\nOh, this bracelet is probably over ten years ago. No. Yep. Yeah. The insurance is only three heads together.\n\nRight? Yes. Okay. Yes. Mhmm.\n\nYeah. I've got a pen. I'm ready. Yep. Mhmm.\n\nYep. Mhmm. Yeah. Okay. No.\n\nHe's still in there on his meeting. Yep. Yep. Okay. Easy.\n\nSo I'm just writing it and just... Okay. Yep. Yep. Easy.\n\nOkay. No. That's it. I'll try and find the email now and get through to you. Let me just have a look.\n\n289872. Nope. Still going. No. I I couldn't tell him he's gonna be, but he's still in the meeting.\n\nYep. Yeah. Easy. Okay. Thank you so much.\n\nYou too. Okay. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02650252915918827},{"text":"It is Anita.","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1270249883333842},{"text":"I'm good.","start":9.36,"end":9.76,"sentiment":"positive","sentiment_score":0.3850490599870682},{"text":"How are you?","start":9.76,"end":10.5,"sentiment":"neutral","sentiment_score":0.2879227201143901},{"text":"Yeah.","start":16.435,"end":16.835,"sentiment":"neutral","sentiment_score":0.14322343468666077}],"sentiment":"neutral","sentiment_score":0.21846672091633082,"num_words":10,"start":0.56,"end":16.835},{"sentences":[{"text":"I'm actually in a work meeting at the moment, so it's just me at the 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it's not very healthy.","start":64.55,"end":66.97,"sentiment":"neutral","sentiment_score":-0.30364490672945976},{"text":"And they had, like, told me what their fees were and what they could get it get it up to and stuff, and Mick was a bit like, I think their fees are a bit high and to see what your comparison was.","start":67.83,"end":79.225006,"sentiment":"neutral","sentiment_score":-0.14045636685088622},{"text":"Mhmm.","start":86.645004,"end":87.145004,"sentiment":"neutral","sentiment_score":-0.014766236767172812}],"sentiment":"neutral","sentiment_score":-0.1343571410684938,"num_words":71,"start":54.705,"end":87.145004},{"sentences":[{"text":"Yeah.","start":95.7,"end":96.2,"sentiment":"neutral","sentiment_score":0.0593210868537426},{"text":"It probably would have been an email.","start":111.195,"end":112.975,"sentiment":"neutral","sentiment_score":-0.044847807713917325},{"text":"They sent me, like, a contract to sign, which I haven't, but I know that it was, like, a 2.5% per 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don't see me ever giving up my job, but I'm not gonna be able to do it forever.","start":397.215,"end":403.03,"sentiment":"neutral","sentiment_score":-0.2445879594275826},{"text":"So probably around 62.","start":403.03,"end":404.63,"sentiment":"neutral","sentiment_score":-0.04114041943103075}],"sentiment":"neutral","sentiment_score":-0.1936500154865476,"num_words":26,"start":377.39,"end":404.63},{"sentences":[{"text":"Yeah.","start":404.63,"end":405.13,"sentiment":"neutral","sentiment_score":0.059389643371105194},{"text":"I wouldn't...","start":416.255,"end":416.835,"sentiment":"neutral","sentiment_score":-0.11219403892755508},{"text":"But I work with, like, really violent clients, so I don't see me being...","start":418.815,"end":423.555,"sentiment":"neutral","sentiment_score":-0.19726812200886862},{"text":"Me 60 Spartan people.","start":423.85498,"end":426.115,"sentiment":"neutral","sentiment_score":-0.13685806468129158},{"text":"Support 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just...","start":1929.655,"end":1931.755,"sentiment":"neutral","sentiment_score":0.025001670366951396},{"text":"Okay.","start":1934.615,"end":1935.03,"sentiment":"neutral","sentiment_score":0.004915859550237656},{"text":"Yep.","start":1948.39,"end":1948.89,"sentiment":"neutral","sentiment_score":-0.0005220075836405158},{"text":"Yep.","start":1955.525,"end":1956.025,"sentiment":"neutral","sentiment_score":0.19359365105628967},{"text":"Easy.","start":1959.765,"end":1960.265,"sentiment":"positive","sentiment_score":0.4322569668292999}],"sentiment":"neutral","sentiment_score":0.0732051056746224,"num_words":11,"start":1929.655,"end":1960.265},{"sentences":[{"text":"Okay.","start":1969.7799,"end":1970.2799,"sentiment":"neutral","sentiment_score":0.14466369152069092},{"text":"No.","start":1972.58,"end":1972.82,"sentiment":"neutral","sentiment_score":-0.06494686007499695},{"text":"That's it.","start":1972.82,"end":1973.3799,"sentiment":"neutral","sentiment_score":-0.05193818360567093},{"text":"I'll try and find the email now and get through to you.","start":1973.3799,"end":1979.475,"sentiment":"neutral","sentiment_score":0.03870270540937781},{"text":"Let me just have a look.","start":1995.34,"end":1996.96,"sentiment":"neutral","sentiment_score":0.20879223942756653}],"sentiment":"neutral","sentiment_score":0.07695574389601295,"num_words":22,"start":1969.7799,"end":1996.96},{"sentences":[{"text":"289872.","start":1999.26,"end":2002.235,"sentiment":"neutral","sentiment_score":0.06160760670900345},{"text":"Nope.","start":2002.235,"end":2002.735,"sentiment":"neutral","sentiment_score":-0.09487509727478027},{"text":"Still going.","start":2003.275,"end":2004.095,"sentiment":"neutral","sentiment_score":-0.09658857807517052},{"text":"No.","start":2007.355,"end":2007.755,"sentiment":"neutral","sentiment_score":-0.057245418429374695},{"text":"I I couldn't tell him he's gonna be, but he's still in the meeting.","start":2007.755,"end":2012.255,"sentiment":"neutral","sentiment_score":-0.10330320681844439}],"sentiment":"neutral","sentiment_score":-0.09104920845282705,"num_words":19,"start":1999.26,"end":2012.255},{"sentences":[{"text":"Yep.","start":2023.3301,"end":2023.8301,"sentiment":"neutral","sentiment_score":0.19820664823055267},{"text":"Yeah.","start":2030.9049,"end":2031.145,"sentiment":"neutral","sentiment_score":0.23395037651062012},{"text":"Easy.","start":2031.145,"end":2031.645,"sentiment":"neutral","sentiment_score":0.2542150318622589},{"text":"Okay.","start":2033.385,"end":2033.885,"sentiment":"positive","sentiment_score":0.39250004291534424},{"text":"Thank you so much.","start":2035.145,"end":2036.2849,"sentiment":"positive","sentiment_score":0.837637409567833}],"sentiment":"positive","sentiment_score":0.5536777172237635,"num_words":8,"start":2023.3301,"end":2036.2849},{"sentences":[{"text":"You too.","start":2039.429,"end":2040.169,"sentiment":"positive","sentiment_score":0.6387918293476105},{"text":"Okay.","start":2043.269,"end":2043.769,"sentiment":"neutral","sentiment_score":0.2962501645088196},{"text":"Bye.","start":2043.829,"end":2044.329,"sentiment":"neutral","sentiment_score":0.28651097416877747},{"text":"Bye.","start":2045.509,"end":2046.009,"sentiment":"neutral","sentiment_score":-0.11921176314353944}],"sentiment":"positive","sentiment_score":0.3482266068458557,"num_words":5,"start":2039.429,"end":2046.009}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon. That must be Anita.\n\nChannel 1: It is Anita.\n\nChannel 0: Hi, Anita. It's Tommy here, senior adviser from Homeview. How are you doing?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm doing fantastic. Just giving you a call to speak to, I believe, both yourself and Michael.\n\nChannel 1: Yeah. I'm actually in a work meeting at the moment, so it's just me at the moment.\n\nChannel 0: No worries at all. I can definitely start a bit of a chat with yourself.\n\nChannel 1: Mhmm.\n\nChannel 0: And then when Nick's available, I might just sort of go through a quick security check with him\n\nChannel 1: Yep.\n\nChannel 0: just to talk about his his details, if that makes sense. Perfect. Now I had you guys booked in to talk about potential strategies in terms of, like, pooling, superannuation, spouse contributions, things like that. Is that correct?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Perfect. Any ideas or thoughts on your end about what you were hoping to get out of today's conversation?\n\nChannel 1: Well, I'm looking to find... I've been speaking to somebody else, like, previously about swapping my super over and... Because at the moment, it's not very healthy. And\n\nChannel 0: Right.\n\nChannel 1: they had, like, told me what their fees were and what they could get it get it up to and stuff, and Mick was a bit like, I think their fees are a bit high and to see what your comparison was.\n\nChannel 0: That's right. I can see here there was some information about they'd recommended... Was it my North Super?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. And you're looking at some SOA fees. They presented you some advice, and it was looking at about 2.2%. It looked a little bit high, that kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. In terms of, I guess, the the fees themselves, did they give you a bit of a breakdown about charging, you know, upfront versus ongoing and a breakdown of their services.\n\nChannel 1: It probably would have been an email. They sent me, like, a contract to sign, which I haven't, but I know that it was, like, a 2.5% per year. I don't know what... If there was an upfront fee.\n\nChannel 0: Yep. K.\n\nChannel 1: But I know they said they could get it up to around 600,000 by the time I'm around 60.\n\nChannel 0: $8.60. If I could just quickly ask you as well. So just for a bit of context, they've given you a projection up to the age of 60. 600,000 is kind of what they're aiming for.\n\nChannel 1: Mhmm.\n\nChannel 0: You said that your super balance isn't too healthy at the moment.\n\nChannel 1: No.\n\nChannel 0: What\n\nChannel 1: I\n\nChannel 0: would\n\nChannel 1: think I've\n\nChannel 0: it be\n\nChannel 1: only\n\nChannel 0: sitting\n\nChannel 1: got\n\nChannel 0: out\n\nChannel 1: about a 100,\n\nChannel 0: of\n\nChannel 1: maybe a 100\n\nChannel 0: them?\n\nChannel 1: and five or something.\n\nChannel 0: Oh, okay. Hundred, hundred and five at the moment. And I don't mean to be to be rude, but in terms of time frames and date of birth and so on, how far away would 60 be for yourself?\n\nChannel 1: I'm 45.\n\nChannel 0: 45. Okay. So in fifteen years, you go from a hundred thousand to 600,000. Right. Okay.\n\nA bit lofty, but I'm assuming they've got some really good performance figures there. And did you kind of like what they recommended initially in terms of the the investments? Did it make sense?\n\nChannel 1: None of it makes sense to me. That's why I make me talk. But he was like, it all sounded good, but he thinks the ongoing fees are a bit much.\n\nChannel 0: Okay. If you would like, so one thing that I can do is obviously go through how we conduct business and services and whatnot,\n\nChannel 1: Mhmm.\n\nChannel 0: fee structures and so on. But if you did wanna send through that advice document to us, I can give you a bit of a comparison to see if we do offer anything that would be, you know, less expensive than that if that's what you're looking for.\n\nChannel 1: Yep. Well, that's expensive, but I'm still looking for a higher outcome.\n\nChannel 0: Yeah. Absolutely. Not just about the fees. You do value trying to get the returns\n\nChannel 1: Yeah.\n\nChannel 0: as well.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. So what I might do too, do you mind if I grab down just a couple of basic details from yourself? Obviously, we will talk through Mick as well. But if\n\nChannel 1: Yep.\n\nChannel 0: we are going to be liaising\n\nChannel 1: Yep.\n\nChannel 0: with you, we just need to make sure that we've got your details correct as well. Perfect. Could I please get a contact number? Because I believe I've got this noted down from Mix\n\nChannel 1: Yeah.\n\nChannel 0: Mobile.\n\nChannel 1: This is Nick's phone. Mine's 0433456136.\n\nChannel 0: O four, double three, 136. Perfect. And an email address?\n\nChannel 1: Drama, d r a m a\n\nChannel 0: Drama. Yeah.\n\nChannel 1: q w, e e, n.\n\nChannel 0: Q w, e e n. So drama queen with a q w.\n\nChannel 1: Yep. 81@hotmail.com.\n\nChannel 0: Festival @hotmail.com. Glad to see you still got your Hotmail address. I think mine's been locked for about twenty years.\n\nChannel 1: I've tried to change my email address, and I can never remember it. So I just have to stick.\n\nChannel 0: Just speak to the Hotmail. Okay. So that\n\nChannel 1: Yep.\n\nChannel 0: won't be changing anytime soon.\n\nChannel 1: Nope.\n\nChannel 0: Now one thing I do have to let you know is when we go through any kind of advice process, so we will need to send you through a financial services guide, which has our, like, licensing details, privacy policy, and so on on there.\n\nChannel 1: Mhmm.\n\nChannel 0: I will be sending through one to Mick as well because we have updated it since we last spoke.\n\nChannel 1: Yep.\n\nChannel 0: But I just wanna send a copy out to you as well separately. Perfect. And could I just grab your date of birth, please?\n\nChannel 1: 04/30/1981.\n\nChannel 0: Perfect. Now what usually happens is if we go through the initial discovery process and find that there is something we can do for you, we would obtain certified ID as part of the new sort of anti money laundering laws that have come in just to verify that you are who you say you are. Not that I don't trust you and Mick. Of course, he's got his partner on the phone, so that's totally fair enough. But we just have to do that as our due diligence.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now one thing I was kind of looking forward to talking to Mick about as well is just in terms of joint joint planning and joint goals. Because whenever\n\nChannel 1: Mhmm.\n\nChannel 0: you have both partners on board, I tend to like to mix it in for some joint goals, especially because you guys are at that that age range where retirement's coming a bit more kind of crystal. It's not\n\nChannel 1: Yep.\n\nChannel 0: like we're not 28 years old. Just being like, you know, it's thirty years away. It's it's coming closer and closer, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: Now he did put down that he was wanting to retire somewhere between the age of 60 and 65. Have you got\n\nChannel 1: Mhmm.\n\nChannel 0: a bit of a preference in terms of if I won the lotto, I'd be out of the rat race tomorrow, or you're gonna work right\n\nChannel 1: I\n\nChannel 0: through\n\nChannel 1: don't\n\nChannel 0: till\n\nChannel 1: see me\n\nChannel 0: 70?\n\nChannel 1: ever giving up my job, but I'm not gonna be able to do it forever. So probably around 62. Yeah.\n\nChannel 0: Yep. Awesome. Usually, when I ask that question, it's a fifty fifty split across the country where half of Australia says, look. I'd retire tomorrow. The other half says, I wouldn't know what to do with myself.\n\nChannel 1: I wouldn't...\n\nChannel 0: I always need something to do.\n\nChannel 1: But I work with, like, really violent clients, so I don't see me being... Me 60 Spartan people.\n\nChannel 0: Okay. What is it that you do for work?\n\nChannel 1: Support work.\n\nChannel 0: Support work. Okay.\n\nChannel 1: Yes.\n\nChannel 0: And is that LinkedIn with, like, the NDIS and everything?\n\nChannel 1: Yes.\n\nChannel 0: Or...\n\nChannel 1: NDIS.\n\nChannel 0: Alright. NDIS\n\nChannel 1: But...\n\nChannel 0: support worker.\n\nChannel 1: High complex.\n\nChannel 0: Right. Right. And I do know a few people who have started businesses in the space that had transitioned from nursing. Were you a nurse beforehand\n\nChannel 1: No. I wasn't.\n\nChannel 0: straight into support work? That's always fun. Anita, how long have you been doing that for?\n\nChannel 1: The last five years?\n\nChannel 0: Okay. Perfect. To decent extent to to know that you like doing it and... But you might not be able to do it forever.\n\nChannel 1: Maybe not. They're pretty aggressive.\n\nChannel 0: No. Is this in terms of just like the elderly population? Just, you know, forgetting\n\nChannel 1: No.\n\nChannel 0: where they are and getting aggressive?\n\nChannel 1: No. No. My client's only 16, but she's like the Hulk and very behavioral.\n\nChannel 0: Right. Okay. So it takes a lot of skills to navigate the physical, emotional side and everything.\n\nChannel 1: Yeah. A lot.\n\nChannel 0: Okay. Oh, that's very fun. They did mention he was wanting to look at possibly doing some contributions into your super, do a bit of spouse contributions there. One thing I can sort of say up front is that it gets him a bit of a deduction for if your income is under 37,000, under 40,000.\n\nChannel 1: Mhmm. Yeah. No. My income's not under that.\n\nChannel 0: What would we be sitting at? Like, 80, a 100?\n\nChannel 1: I think last year was about a 130.\n\nChannel 0: 130. Okay. So that is off the tape, unfortunately. Yeah. It's always the way.\n\nChild child care subsidy goes, the tax deductions and other contributions go, but, you know, the high... I wouldn't say high income earners, but the moment your wages get up there into 6 figures, you tend to lose the benefits and lose a lot of the options.\n\nChannel 1: It's really unfair, isn't it?\n\nChannel 0: It is. It is, but we navigate what we can. It's either that or just move countries, and that's probably not my recommendation for today. So we've got a 130,000. So you're both in that that bracket towards the sort of 32, 37% mark.\n\nAre you doing anything through work? Because I know they usually do salary packaging for certain things in that industry.\n\nChannel 1: My previous company had salary packaging, but this one does not. So...\n\nChannel 0: Okay.\n\nChannel 1: No.\n\nChannel 0: So the only thing you've really got is, like, salary sacrifice to super, but nothing for the mortgage or expenses or anything like that. Okay. So no rem serve. That's not fun. Okay.\n\nWe'll take that one off. And in terms of other priorities, so I was looking at a few things that that Mick was doing, but what would you say is your, I guess, individual focus for the next few years financially and and as a couple?\n\nChannel 1: Well, at the moment, we're just trying to smash off our mortgage.\n\nChannel 0: Yep.\n\nChannel 1: We recently refinanced, and we're just trying to pay that off as quick as possible.\n\nChannel 0: Oh, perfect. So you got the\n\nChannel 1: Does\n\nChannel 0: refinance\n\nChannel 1: it...\n\nChannel 0: done. That's good.\n\nChannel 1: Yeah. The goal is to have that paid off, let's say, within the next seven ish years.\n\nChannel 0: Seven years. That'd be amazing, wouldn't it?\n\nChannel 1: It really would be.\n\nChannel 0: Do you feel like you need any help with that, or you think you... You're both kind of on track budgeting wise?\n\nChannel 1: No. I think we're doing alright with that.\n\nChannel 0: Oh, good. Good. Good. A lot of people, you know, struggling with interest rates and the fuel prices and everything. So if you feel\n\nChannel 1: Oh,\n\nChannel 0: like you can\n\nChannel 1: yeah.\n\nChannel 0: make headway,\n\nChannel 1: Yeah.\n\nChannel 0: that's good. Alrighty. Outside of that, anything else in particular?\n\nChannel 1: Not at the moment. Just pay that off, then we can enjoy holidays and things like that.\n\nChannel 0: That's it. Bit of financial freedom once you got some cash flow\n\nChannel 1: Yeah.\n\nChannel 0: freed up after the mortgage.\n\nChannel 1: Absolutely.\n\nChannel 0: And just in terms of, like, assets and liabilities, obviously, I I understand you guys have the the home and the mortgage. Is\n\nChannel 1: Mhmm.\n\nChannel 0: there anything individually that you would have in terms of assets, loans, anything that I need to factor in?\n\nChannel 1: No. All our loans would be facilitated into the mortgage. I don't think there's anything that we have now.\n\nChannel 0: Amazing. Could I grab an updated mortgage value from you if possible?\n\nChannel 1: What we do refinance for?\n\nChannel 0: Yeah. So\n\nChannel 1: Do you\n\nChannel 0: what\n\nChannel 1: mean?\n\nChannel 0: what would the total debt be now that you've consolidated?\n\nChannel 1: I think it's $5.25 ish.\n\nChannel 0: Okay. Can use that as a bit of a starting point. That's no worries at all. $5.25. And\n\nChannel 1: Yeah.\n\nChannel 0: I will...\n\nChannel 1: Mix\n\nChannel 0: I know\n\nChannel 1: all\n\nChannel 0: you've...\n\nChannel 1: over that stuff. I just spend the money. He\n\nChannel 0: Okay.\n\nChannel 1: organized it. I buy silly things.\n\nChannel 0: Oh, that's fine. It works well. Symbiotic. I will just grab from you. I know you've kind of already gone through this a bit when you went through with the other guys,\n\nChannel 1: Mhmm.\n\nChannel 0: but just in terms of your own personal savings and motor vehicle.\n\nChannel 1: I have a car that's been refinanced into our mortgage, so there's no loan on that.\n\nChannel 0: Perfect. Resale value approximately is not too important. Just a bit of a rough estimate.\n\nChannel 1: About 50,000. 15... Between 50 and 55.\n\nChannel 0: Yep. K. Is that one of the new electric vehicles? Or...\n\nChannel 1: No. Not electric, but it is new.\n\nChannel 0: Perfect. And I don't know how you guys sort of do the finances at the moment in terms of joint accounts versus separate, but do you have savings off to the side under your own account?\n\nChannel 1: There... I think there were links in our offset account, but there's probably, like, $18.\n\nChannel 0: Yep. And it's all just pulled for the offset of the mortgage. And is that what you're using to kind of accelerate things, just pile as much cash into that as possible?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Perfect. Okay. So I've got a bit of an idea there. Just to kind of let you know a bit about myself as well.\n\nSo I'm essentially taking over a mix file as a senior adviser. If you were to come on board with us, I would be looking after both of you guys. Of course, the entire team is available, but we do like to make sure that you do have someone dedicated to you as a couple.\n\nChannel 1: Mhmm. Yep. Cool.\n\nChannel 0: Now in terms of the way the the sort of fees work, so I was gonna go through with Mick a bit of an updated structure because we've just released some some discounts. Now normally, we would charge around about 1.65% ongoing for the fees rather than the sort of two and a half. For clients above 200,000, that drops. So we have a tiered structure where it then\n\nChannel 1: Mhmm.\n\nChannel 0: drops to 1.37, 1.1. As a couple, you guys would accelerate the tiers. So anything above 200, you would then jump to 1.1 pretty much straight away.\n\nChannel 1: Yep.\n\nChannel 0: Also, MyNorth, you mentioned earlier that was what was recommended for you for the\n\nChannel 1: Yeah.\n\nChannel 0: Subaru. Do you remember at all any kind of, like, main reasoning behind why that one was picked?\n\nChannel 1: I think you just said that one was gonna get me the highest kind of return without it being, like,\n\nChannel 0: Okay. So they tried to get some good returns without putting you into anything\n\nChannel 1: whiskey?\n\nChannel 0: high risk.\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Do you remember, by any chance, what your risk profile came out as? Was it like a growth or a balance or something?\n\nChannel 1: Oh, I have no idea.\n\nChannel 0: No. That's okay. I can check it on the document. That's fine. With myNorth...\n\nSo I don't wanna kind of go overboard with with the details, but MyNorth is a very well known... We call it a wrap platform. And\n\nChannel 1: Yep.\n\nChannel 0: one of the things that those are known for is that wrap platforms, generally, they're kind of like the Lamborghini of the Supa. They're a bit more expensive, but they have the most investment options. So rather than 10 to 15 as an\n\nChannel 1: Mhmm.\n\nChannel 0: super fund, Minerals got, like, 700 to choose from.\n\nChannel 1: No.\n\nChannel 0: It's actually very similar to Hub twenty four, which we have, Megan, which also have, like, 1,300 options. They are both wrap platforms. They're both kind of like... One's the Ferrari, one's the Lamborghini, if that makes sense.\n\nChannel 1: Mhmm.\n\nChannel 0: One of the cool things too is that Hub 24, just as an example, they do have things like family fee linking where you can link your super balances together, and that kind of accelerates fee discounts from the super fund as well, similar to the Oakview fee structure. So one of\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Okay.\n\nChannel 0: comparing, obviously, the my North and what can be done inside that because we do have a lot of clients in my North and also in, for example, Hub 24, and just sort of see what would be a good fit for you guys as\n\nChannel 1: Mhmm.\n\nChannel 0: a couple.\n\nChannel 1: Yep.\n\nChannel 0: Do you think that's something that might be helpful?\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Any questions on that so far?\n\nChannel 1: Yeah.\n\nChannel 0: Cool. In terms of, I guess, everything that's linked to that, so superannuation advice, we've got a bit of a retirement trajectory, 6062, '65. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: there's insurances attached. You probably would have received insurance advice and and estate advice around your beneficiary nominations, things like that?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Perfect. Was there anything in particular that you were looking for when it came to the insurances?\n\nChannel 1: Not really. He said what I have now with my current super fund, I'm paying heaps for nothing.\n\nChannel 0: Yep.\n\nChannel 1: And I think he was looking at 600,000 life insurance and TPD for about $600 a year.\n\nChannel 0: Okay. So 600,000 of both life and TPD. And who's the the current Superfund that you're with?\n\nChannel 1: Hesto. It's not Hesto. Is it Hesto? Let me just have a look.\n\nChannel 0: Would it be Hesta? Bit of a\n\nChannel 1: I\n\nChannel 0: purple\n\nChannel 1: think it\n\nChannel 0: logo.\n\nChannel 1: is Hesto. Yeah. It's purple.\n\nChannel 0: Yep. Definitely Hesta there.\n\nChannel 1: There\n\nChannel 0: I'm\n\nChannel 1: it\n\nChannel 0: pretty\n\nChannel 1: is.\n\nChannel 0: familiar with Hesta. They've got some some interesting investments there. They do have a very limited choice. Basic insurance is there, which is cool too. I'll I'll need to see what what they do have it in there.\n\nWere you looking for any... Did you get, like, income protection or anything like that?\n\nChannel 1: Mhmm. Don't really know. I've never bothered looking at anything to do with my sister, to be honest.\n\nChannel 0: Fair enough.\n\nChannel 1: Just sign up with whoever the company is with at the time, I think.\n\nChannel 0: Yeah. I'm assuming that you would have had employees setting up funds whenever you move between. And then, I guess, recently, when they changed legislation, it's all probably gone to to HESTA. Right?\n\nChannel 1: Yes. I believe so. Because I... The first people I rang was, like, find my super, and I was like, can you find my super? And then they came back with all these things.\n\nChannel 0: Yeah. K. No. I am familiar with Find My Super. They're they're in the news a lot these days.\n\nDon't know if you've seen the the articles and everything.\n\nChannel 1: No.\n\nChannel 0: No. That's okay. So one of the things that's really important when it comes to financial advice is we are under something called, like, a best interest duty. So we have, like, a whole code of ethics. We've gone through, like, an ethics exam, and a big part of that is find out what a client's goals are and then\n\nChannel 1: Mhmm.\n\nChannel 0: help them try and achieve the goals. That's\n\nChannel 1: Yep.\n\nChannel 0: literally the long and short of it. What was happening is that because financial advisers need to get clients, they would go through groups like Find My Super who would call people around and say, oh, I'll check out your super for you and then forward you off to an adviser to try and give you advice. But the government kinda looks down a little bit on that because just, you know, spam calling people from surveys and trying to sell them things is... It's kind of the old Wild West of the way the industry used to be.\n\nChannel 1: Yep.\n\nChannel 0: So pretty well frowned upon, but, look, people do need advice, and it's just trying to make sure you've got the right fit at the end of the day.\n\nChannel 1: Yeah.\n\nChannel 0: Now I had a bit of a, like, a retirement goal with him as well, And I wanted to just kind of ask you the lifestyle. You mentioned pay off the mortgage, do some holidays, some travel, and so on. Have you\n\nChannel 1: Yep.\n\nChannel 0: thought about how much you would need as a couple or individually to live\n\nChannel 1: No. I just don't even see it possible to live off anything other than what we earn right now.\n\nChannel 0: on?\n\nChannel 1: It seems so bizarre to think about not having\n\nChannel 0: Yeah.\n\nChannel 1: weekly income.\n\nChannel 0: It does. So one of the cool things about retirement, not to sort of just throw in so far down the track, but while you're earning an income, obviously, you're being taxed. Right?\n\nChannel 1: Mhmm.\n\nChannel 0: So let's say you're earning the, you know, $1.30, $1.40, or after tax, you're probably at 95, a 100 as an example.\n\nChannel 1: Yes.\n\nChannel 0: When you are in retirement, everything you're pulling out of super is tax free. So to get the same income, you don't need to have an... That much coming out because there won't be any taxes.\n\nChannel 1: Yep.\n\nChannel 0: And then if you chop off the mortgage, do you know what your repayments are around about?\n\nChannel 1: I actually don't know. Mick does everything.\n\nChannel 0: That's okay. I can get that from him. But, essentially, let's say, $500,000 mortgage. So let's say you're paying 700 a week and that mortgage is now cleared, well, you don't need the tax anymore and you don't need the 700 a week for the mortgage. So it just\n\nChannel 1: Yep.\n\nChannel 0: kind\n\nChannel 1: Yep.\n\nChannel 0: of lowers how much you actually need to to live on, essentially.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now one of the things... Sorry. Go ahead.\n\nChannel 1: I don't know. I don't know. I really don't know how to work that out.\n\nChannel 0: That's okay. The the government gives you a bit of a guide, and they they do this big analysis across the whole country. And they say, oh, as a couple, like a comfortable lifestyle, you probably need about 70,000 as a couple for living expenses and some general holidays. And then you just kind of go up from there, if that makes sense.\n\nChannel 1: Jesus. 70,000.\n\nChannel 0: Does seem a bit low, doesn't it?\n\nChannel 1: It really does.\n\nChannel 0: It does. It does. And it's also a generational thing too. There's a lot of people who never had any super, and they just wanna get a bit more than the age pension.\n\nChannel 1: Yeah.\n\nChannel 0: I'm assuming you probably don't wanna be living off Centrelink through your sixties and seventies.\n\nChannel 1: Absolutely not.\n\nChannel 0: No. No. So what we essentially do is we go, okay. Well, what about a thousand dollars a week each after tax if\n\nChannel 1: Each\n\nChannel 0: you have the best?\n\nChannel 1: sounds\n\nChannel 0: Yeah.\n\nChannel 1: okay.\n\nChannel 0: So we go no mortgage, a thousand dollars a week, and then, like, a few holidays mixed in, you know, maybe one or two a year. We probably can't do five How does that sound?\n\nChannel 1: Yeah. That's good.\n\nChannel 0: Cool. So I can kind of use that as a bit of a northern star to guide towards over the projections and everything.\n\nChannel 1: Mhmm.\n\nChannel 0: Mix in a few holidays. One thing I have to be very careful on is... I don't know if you've heard, like, in the news a lot. They're always throwing the word inflation around a lot.\n\nChannel 1: Mhmm.\n\nChannel 0: So cost of living keeps going up. Generally speaking, we need to factor in that in fifteen years' time, a thousand dollars a week won't buy what it currently does, if that makes sense.\n\nChannel 1: Mhmm. Which isn't much these days either. So\n\nChannel 0: No. And then on top of that, inflation's higher than usual. Usually, it's like two or 3%, and now we see it's four, five, six. So that thousand dollars a week is kind of plummeting in what it can buy. So if you're comfortable, just as an idea, I would probably aim for, you know, 1,000 each with no mortgage in\n\nChannel 1: Yep.\n\nChannel 0: today's dollars and factor in what that would look like in fifteen years.\n\nChannel 1: Yep.\n\nChannel 0: How's that sound?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Cool. Okay. So beyond that, I can look at a little bit of a like for like comparison. I don't really see too many issues with that life insurance that you mentioned and the TPD and and whatnot, unless you wanted me to do some quotes for, you know, income protection or trauma insurance.\n\nChannel 1: I don't think\n\nChannel 0: Cool. So\n\nChannel 1: so.\n\nChannel 0: I'll do a little bit of a like for like on that one, we call it. Estate planning wise, I guess I kind of already know the answer, but who are you wanting to leave the the super and the life insurance to?\n\nChannel 1: Will if Michael still around? Did it be him, miss Miller, to be my children?\n\nChannel 0: Right. And you guys have... Is it three three children?\n\nChannel 1: Three kids. Yep.\n\nChannel 0: Three kids. Was it one dependent, two out of home?\n\nChannel 1: Two live here, but one's... The other one that lives here is 21.\n\nChannel 0: Okay. So two\n\nChannel 1: So\n\nChannel 0: over\n\nChannel 1: it's\n\nChannel 0: 18,\n\nChannel 1: 11, 21, and 24.\n\nChannel 0: 11, 21, and 24. Is there anything that you would like to factor in for for the kids?\n\nChannel 1: Mhmm.\n\nChannel 0: K. Not doing any investing so they can get a house or anything crazy like that?\n\nChannel 1: I would love for that to happen, but... No.\n\nChannel 0: So focus on the mortgage first, and then once that's done, then we can talk about other things.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. That's totally fair. Did you guys end up getting, like, a will and a power of attorney put in place? Is that something that you feel like you should put in place?\n\nChannel 1: Yeah. Probably.\n\nChannel 0: Cool. I'll give you a little bit of a tip there. I think we sent some some documents through to to Nick for\n\nChannel 1: Oh, okay.\n\nChannel 0: a referral. Not\n\nChannel 1: Yep.\n\nChannel 0: sure if he still has those there, but we can always send those through again. Might give you a bit of a helping hand.\n\nChannel 1: Yep. Cool.\n\nChannel 0: Cool. Can I grab from you as well just quick? I'm just looking at the details I've already noted down. Your employer... Your employee's name, if I could grab that, please.\n\nChannel 1: It's project make lemonade.\n\nChannel 0: Lemonade. Very cute name. I like it. How are they to work for? Okay.\n\nPretty\n\nChannel 1: Yeah. Pretty good.\n\nChannel 0: good. Asset liabilities. Anita, have you ever gone through a bankruptcy or debt agreement before? Yep. Love to hear.\n\nAnd when you went through with the guys to get that initial advice, did you have any conversations with them in terms of health question\n\nChannel 1: Mhmm.\n\nChannel 0: for the\n\nChannel 1: No. I don't\n\nChannel 0: insurance side\n\nChannel 1: think\n\nChannel 0: of\n\nChannel 1: so.\n\nChannel 0: things. K. One thing I will let you know is that when it comes to insurances, if you were to switch super funds\n\nChannel 1: Mhmm.\n\nChannel 0: and try and replace that policy with the life and TPD that you were saying, you would\n\nChannel 1: Mhmm.\n\nChannel 0: go through an application, and they would go through health history. So if you\n\nChannel 1: Okay.\n\nChannel 0: have had this diagnosed, any medication, things like that, what\n\nChannel 1: Yep.\n\nChannel 0: tends to happen is if you have any preexisting conditions, let's say, you can get things like exclusions where they say, oh, you've had a knee reconstruction, so we're gonna exclude your knee, and you can't actually claim on that\n\nChannel 1: Mhmm.\n\nChannel 0: if something were to happen to you. Does that sort of make sense?\n\nChannel 1: Yep.\n\nChannel 0: Do you... Are you comfortable for me to ask you some of those questions tonight, or would you prefer further down\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: line?\n\nChannel 1: That's fine.\n\nChannel 0: Cool. So the main thing I would ask is in terms of any current medications.\n\nChannel 1: I take CBD gummies.\n\nChannel 0: Okay. And is that for anything kind of pain related or mental health related?\n\nChannel 1: No. She's just sleeping.\n\nChannel 0: Sleeping. Okay. Cool. They will always ask the following questions about sleeping. You know, is there sleep apnea there, anything like that, any conditions that it's linked to, or is it just a sleep aid?\n\nChannel 1: Just to help me get to sleep.\n\nChannel 0: Yep. Get to sleep. Perfect. Have you ever been hospitalized or any major injuries?\n\nChannel 1: No.\n\nChannel 0: Fantastic. And have you ever been diagnosed with any any kind of condition?\n\nChannel 1: I suffer migraines.\n\nChannel 0: Migraines. Migraines. That is always a fun one. Not to go too deep into it, but the insurers, for some odd reason, they absolutely hate migraines or at least untreated. I know my sister in law's got, like, a piercing in her ear to help reduce migraines\n\nChannel 1: Mhmm.\n\nChannel 0: things like that. Have you ever been, I guess, recommended to go see, like, a neurological specialist to do with the migraines?\n\nChannel 1: I've seen specialists.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: K.\n\nChannel 1: was on medication for it, but the CBD helps, so I don't need it.\n\nChannel 0: Perfect. So that's all kind of linked together a little little bit.\n\nChannel 1: Sort of it. It just helps. Like, it wasn't prescribed for that, but it helps.\n\nChannel 0: Yeah. No worries. So there was a specialist before. Was that, like, the last five years, or was that\n\nChannel 1: Oh,\n\nChannel 0: ten, fifteen\n\nChannel 1: this\n\nChannel 0: years\n\nChannel 1: bracelet\n\nChannel 0: ago?\n\nChannel 1: is probably over ten years ago.\n\nChannel 0: Over ten years ago. So when they go through that, they usually get some some doctor's reports not to try and make it the the hardest thing in the world. But when they do that, was there any recommendations from the doctors about follow-up treatments or surgeries?\n\nChannel 1: No.\n\nChannel 0: Perfect. So what I usually do from there is NDIS support worker is, I guess, your occupation rating. That affects the price. So we'll call around all the insurers. We'll see who was recommended already, see if I can find someone that gives you the best price for your occupation.\n\nAnd then it's basically just a call around regarding migraines, which we do anonymously. We actually call the insurers up and say this is what's going on. They may ask us a few follow-up questions, and we may need just a little bit more details from you as well. Perfect. Failing that, there is also things like transfer of insurances.\n\nSo if there's an issue where they wouldn't cover you for something, you can possibly even just transfer your insurances across as they are, and it may be far cheaper than what you're currently paying as well.\n\nChannel 1: Yep.\n\nChannel 0: Would you be comfortable for me to look into that as an option?\n\nChannel 1: Yeah. The insurance\n\nChannel 0: Cool.\n\nChannel 1: is only three heads together. Right?\n\nChannel 0: Yeah. Correct. And through HESTA, what they've got is, like, one of the major five insurers offer the cover through the super fund, and that can actually be, like, captured and moved across to, for example, a MyNorth or a Hub twenty four or somebody.\n\nChannel 1: Yes.\n\nChannel 0: I know MyNorth is actually releasing their own transfer of insurances in, I think, November. So that\n\nChannel 1: Okay.\n\nChannel 0: may be coming up there as well.\n\nChannel 1: Yes.\n\nChannel 0: Cool. Alright. So I've got a pretty good idea of the situation there. Are you able to possibly take down our email address to send through that advice document to us?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. If you do have maybe, like, a notes app on the phone or a pen and paper handy, just let me know when you're\n\nChannel 1: Yeah.\n\nChannel 0: when\n\nChannel 1: I've got\n\nChannel 0: you're\n\nChannel 1: a\n\nChannel 0: ready.\n\nChannel 1: pen.\n\nChannel 0: Perfect.\n\nChannel 1: I'm\n\nChannel 0: So\n\nChannel 1: ready.\n\nChannel 0: we go research.\n\nChannel 1: Yep.\n\nChannel 0: And then this one's a bit of a mouthful, but it's at oakviewfinancial.com.au. So oakviewfinancial.com.au. Perfect. So what I'll basically be doing is just having a look at what was in there, do some comparisons, and see if there's something that kind of links in for you guys as a couple where I can maybe\n\nChannel 1: Mhmm.\n\nChannel 0: get you some extra benefits there.\n\nChannel 1: Yep.\n\nChannel 0: And then we would pretty much just book in for a statement of advice presentation. You probably would have had that with the other guys where they walk you through the documents maybe with Nick on\n\nChannel 1: Mhmm.\n\nChannel 0: the phone. Is that what happened?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So maybe a similar thing like that. Usually takes me about fifteen minutes\n\nChannel 1: Okay.\n\nChannel 0: or so. Cool. Any questions for me so far, Anita?\n\nChannel 1: No.\n\nChannel 0: Cool. I was just gonna double check before I kind of wrap up my side of things. Is Mick available still to go through anything tonight,\n\nChannel 1: He's\n\nChannel 0: or is that kind\n\nChannel 1: still\n\nChannel 0: of in\n\nChannel 1: in there on his meeting.\n\nChannel 0: --? Oh, poor guy. He's gonna have a rough night. One thing I'll do, if it's possible, is maybe just let Mick know that the the old spouse contributions are probably not the go just based\n\nChannel 1: Yep.\n\nChannel 0: on your income.\n\nChannel 1: Yep.\n\nChannel 0: But there are obviously the couple's discounts for both Oakview and with certain super funds that I'll look into to for both of\n\nChannel 1: Okay. Easy.\n\nChannel 0: you\n\nChannel 1: So I'm just writing\n\nChannel 0: guys.\n\nChannel 1: it and just...\n\nChannel 0: And the last\n\nChannel 1: Okay.\n\nChannel 0: thing too is we do have to go through just a little bit of a updated review for him as well because there was just a few things that he had spoken to one of the advisers about recently, and\n\nChannel 1: Yep.\n\nChannel 0: we just wanted to kind of run through any updates to his circumstances, which obviously I can't talk about because I haven't gone through security with him yet.\n\nChannel 1: Yep.\n\nChannel 0: So if you can let him know, that'd be fantastic.\n\nChannel 1: Easy.\n\nChannel 0: Cool. Basically, from here, I'll just wait to get that email through. I'll give it to the team to analyze, and we'll get you booked in after that.\n\nChannel 1: Okay.\n\nChannel 0: Is there anything else that I can help you with?\n\nChannel 1: No. That's it. I'll try and find the email now and get through to\n\nChannel 0: Yeah. That'd be great. Do you want me to hang around on the phone for\n\nChannel 1: you.\n\nChannel 0: a couple more minutes for Mick, or do you think that kind of helps enough tonight? Not that I'm in a rush to get off the phone at all. I've got a whole, you know, hour, hour and a half booked out for you guys. I'm totally happy to wait on hold or whatever he needs.\n\nChannel 1: Let me just have a look.\n\nChannel 0: Thank you.\n\nChannel 1: 289872. Nope. Still going. No. I I couldn't tell him he's gonna be, but he's still in the meeting.\n\nChannel 0: That is okay. So what I might do is I will kind of build you a file on our system just so all the information is there that we've talked about today.\n\nChannel 1: Yep.\n\nChannel 0: And I would just reach out or send Mick an email, text message just to let him know that I'd like to sort of do a catch up with him as well, and\n\nChannel 1: Yeah. Easy.\n\nChannel 0: and then we can go from there.\n\nChannel 1: Okay. Thank you so\n\nChannel 0: Awesome,\n\nChannel 1: much.\n\nChannel 0: Anita. Thank you so much for your time tonight. I really appreciate it.\n\nChannel 1: You too.\n\nChannel 0: Alrighty. Talk to you soon. Thank you.\n\nChannel 1: Okay. Bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.02650252915918827}],"sentiment":"neutral","sentiment_score":0.02650252915918827,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good afternoon.","start":2.8,"end":3.6,"sentiment":"neutral","sentiment_score":0.23213834315538406},{"text":"That must be Anita.","start":3.6,"end":4.58,"sentiment":"neutral","sentiment_score":0.2042047083377838}],"sentiment":"neutral","sentiment_score":0.21351591994365057,"channel":0,"num_words":6,"start":2.8,"end":4.58},{"sentences":[{"text":"It is Anita.","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.1270249883333842}],"sentiment":"neutral","sentiment_score":0.1270249883333842,"channel":1,"num_words":3,"start":4.88,"end":5.7799997},{"sentences":[{"text":"Hi, Anita.","start":5.92,"end":6.56,"sentiment":"neutral","sentiment_score":0.17188678681850433},{"text":"It's Tommy here, senior adviser from Homeview.","start":6.56,"end":8.4,"sentiment":"neutral","sentiment_score":0.1772947758436203},{"text":"How are you doing?","start":8.4,"end":9.22,"sentiment":"neutral","sentiment_score":0.20023798570036888}],"sentiment":"neutral","sentiment_score":0.18352222671875587,"channel":0,"num_words":13,"start":5.92,"end":9.22},{"sentences":[{"text":"I'm good.","start":9.36,"end":9.76,"sentiment":"positive","sentiment_score":0.3850490599870682},{"text":"How are you?","start":9.76,"end":10.5,"sentiment":"neutral","sentiment_score":0.2879227201143901}],"sentiment":"neutral","sentiment_score":0.3267732560634613,"channel":1,"num_words":5,"start":9.36,"end":10.5},{"sentences":[{"text":"I'm doing fantastic.","start":10.8,"end":11.86,"sentiment":"positive","sentiment_score":0.7309239705403646},{"text":"Just giving you a call to speak to, I believe, both yourself and Michael.","start":12.605,"end":15.985,"sentiment":"positive","sentiment_score":0.34045145979949404}],"sentiment":"positive","sentiment_score":0.4093583734596477,"channel":0,"num_words":17,"start":10.8,"end":15.985},{"sentences":[{"text":"Yeah.","start":16.435,"end":16.835,"sentiment":"neutral","sentiment_score":0.14322343468666077},{"text":"I'm actually in a work meeting at the moment, so it's just me at the moment.","start":16.835,"end":21.494999,"sentiment":"neutral","sentiment_score":0.10652128886431456}],"sentiment":"neutral","sentiment_score":0.10868023861857022,"channel":1,"num_words":17,"start":16.435,"end":21.494999},{"sentences":[{"text":"No worries at all.","start":22.045,"end":22.925,"sentiment":"neutral","sentiment_score":0.2396542876958847},{"text":"I can definitely start a bit of a chat with yourself.","start":22.925,"end":25.185,"sentiment":"positive","sentiment_score":0.40474570339376276}],"sentiment":"positive","sentiment_score":0.3607213258743286,"channel":0,"num_words":15,"start":22.045,"end":25.185},{"sentences":[{"text":"Mhmm.","start":25.395,"end":25.895,"sentiment":"neutral","sentiment_score":0.055098116397857666}],"sentiment":"neutral","sentiment_score":0.055098116397857666,"channel":1,"num_words":1,"start":25.395,"end":25.895},{"sentences":[{"text":"And then when Nick's available, I might just sort of go through a quick security check with him","start":25.724998,"end":30.88,"sentiment":"neutral","sentiment_score":0.07569061488740975}],"sentiment":"neutral","sentiment_score":0.07569061488740975,"channel":0,"num_words":18,"start":25.724998,"end":30.88},{"sentences":[{"text":"Yep.","start":30.994999,"end":31.494999,"sentiment":"neutral","sentiment_score":0.07203900068998337}],"sentiment":"neutral","sentiment_score":0.07203900068998337,"channel":1,"num_words":1,"start":30.994999,"end":31.494999},{"sentences":[{"text":"just to talk about his his details, if that makes sense.","start":31.26,"end":35.04,"sentiment":"neutral","sentiment_score":0.0962573377923532},{"text":"Perfect.","start":36.22,"end":36.72,"sentiment":"positive","sentiment_score":0.4086853265762329},{"text":"Now I had you guys booked in to talk about potential strategies in terms of, like, pooling, superannuation, spouse contributions, things like that.","start":37.02,"end":45.625,"sentiment":"neutral","sentiment_score":0.12441315825866617},{"text":"Is that correct?","start":45.625,"end":46.365,"sentiment":"neutral","sentiment_score":0.07414977252483368}],"sentiment":"neutral","sentiment_score":0.11977547367936686,"channel":0,"num_words":38,"start":31.26,"end":46.365},{"sentences":[{"text":"Mhmm.","start":46.41,"end":46.65,"sentiment":"neutral","sentiment_score":0.033501315861940384},{"text":"Yep.","start":46.65,"end":47.025,"sentiment":"neutral","sentiment_score":0.07938951998949051}],"sentiment":"neutral","sentiment_score":0.056445417925715446,"channel":1,"num_words":2,"start":46.41,"end":47.025},{"sentences":[{"text":"Perfect.","start":48.265,"end":48.765,"sentiment":"neutral","sentiment_score":0.2666088342666626},{"text":"Any ideas or thoughts on your end about what you were hoping to get out of today's conversation?","start":49.065002,"end":53.405,"sentiment":"neutral","sentiment_score":0.09981750903858079}],"sentiment":"neutral","sentiment_score":0.10859599984005879,"channel":0,"num_words":19,"start":48.265,"end":53.405},{"sentences":[{"text":"Well, I'm looking to find...","start":54.705,"end":56.565002,"sentiment":"neutral","sentiment_score":-0.05673018470406532},{"text":"I've been speaking to somebody else, like, previously about swapping my super over and...","start":56.785004,"end":63.93,"sentiment":"neutral","sentiment_score":-0.05515405908226967},{"text":"Because at the moment, it's not very healthy.","start":64.55,"end":66.97,"sentiment":"neutral","sentiment_score":-0.30364490672945976},{"text":"And","start":67.83,"end":68.15,"sentiment":"neutral","sentiment_score":-0.17304106056690216}],"sentiment":"neutral","sentiment_score":-0.13064314518123865,"channel":1,"num_words":28,"start":54.705,"end":68.15},{"sentences":[{"text":"Right.","start":68.04,"end":68.325,"sentiment":"neutral","sentiment_score":-0.14700418710708618}],"sentiment":"neutral","sentiment_score":-0.14700418710708618,"channel":0,"num_words":1,"start":68.04,"end":68.325},{"sentences":[{"text":"they had, like, told me what their fees were and what they could get it get it up to and stuff, and Mick was a bit like, I think their fees are a bit high and to see what your comparison was.","start":68.15,"end":79.225006,"sentiment":"neutral","sentiment_score":-0.1396805408100287}],"sentiment":"neutral","sentiment_score":-0.1396805408100287,"channel":1,"num_words":42,"start":68.15,"end":79.225006},{"sentences":[{"text":"That's right.","start":80.80499,"end":81.39,"sentiment":"neutral","sentiment_score":-0.01827672217041254},{"text":"I can see here there was some information about they'd recommended...","start":81.39,"end":84.37,"sentiment":"neutral","sentiment_score":-0.010459580543366346},{"text":"Was it my North Super?","start":84.67,"end":86.21,"sentiment":"neutral","sentiment_score":-0.016650458239018916}],"sentiment":"neutral","sentiment_score":-0.013047840084052749,"channel":0,"num_words":18,"start":80.80499,"end":86.21},{"sentences":[{"text":"Mhmm.","start":86.645004,"end":87.145004,"sentiment":"neutral","sentiment_score":-0.014766236767172812}],"sentiment":"neutral","sentiment_score":-0.014766236767172812,"channel":1,"num_words":1,"start":86.645004,"end":87.145004},{"sentences":[{"text":"Yep.","start":87.47,"end":87.87,"sentiment":"neutral","sentiment_score":-0.012148420326411724},{"text":"And you're looking at some SOA fees.","start":87.87,"end":90.29,"sentiment":"neutral","sentiment_score":-0.039709514805248806},{"text":"They presented you some advice, and it was looking at about 2.2%.","start":90.51,"end":93.71001,"sentiment":"neutral","sentiment_score":-0.04877828946337104},{"text":"It looked a little bit high, that kind of 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have to let you know is when we go through any kind of advice process, so we will need to send you through a financial services guide, which has our, like, licensing details, privacy policy, and so on on there.","start":295.67502,"end":310.25998,"sentiment":"neutral","sentiment_score":0.026252532998720806}],"sentiment":"neutral","sentiment_score":0.026252532998720806,"channel":0,"num_words":45,"start":295.67502,"end":310.25998},{"sentences":[{"text":"Mhmm.","start":310.21,"end":310.71,"sentiment":"neutral","sentiment_score":0.05544529855251312}],"sentiment":"neutral","sentiment_score":0.05544529855251312,"channel":1,"num_words":1,"start":310.21,"end":310.71},{"sentences":[{"text":"I will be sending through one to Mick as well because we have updated it since we last 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'65.","start":967.72504,"end":977.5,"sentiment":"neutral","sentiment_score":0.14944119135970654},{"text":"Obviously,","start":977.64,"end":978.04,"sentiment":"neutral","sentiment_score":0.08851268142461777}],"sentiment":"neutral","sentiment_score":0.15039923489093782,"channel":0,"num_words":25,"start":966.525,"end":978.04},{"sentences":[{"text":"Yep.","start":977.97003,"end":978.47003,"sentiment":"neutral","sentiment_score":0.07604710757732391}],"sentiment":"neutral","sentiment_score":0.07604710757732391,"channel":1,"num_words":1,"start":977.97003,"end":978.47003},{"sentences":[{"text":"there's insurances attached.","start":978.04,"end":979.24,"sentiment":"neutral","sentiment_score":0.08425197750329971},{"text":"You probably would have received insurance advice and and estate advice around your beneficiary nominations, things like 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a","start":1027.45,"end":1027.85,"sentiment":"neutral","sentiment_score":-0.011458734050393105}],"sentiment":"neutral","sentiment_score":-0.004128799008737717,"channel":0,"num_words":7,"start":1026.41,"end":1027.85},{"sentences":[{"text":"I","start":1027.825,"end":1027.985,"sentiment":"neutral","sentiment_score":-0.00872720219194889}],"sentiment":"neutral","sentiment_score":-0.00872720219194889,"channel":1,"num_words":1,"start":1027.825,"end":1027.985},{"sentences":[{"text":"purple","start":1027.85,"end":1028.33,"sentiment":"neutral","sentiment_score":-0.012863866984844208}],"sentiment":"neutral","sentiment_score":-0.012863866984844208,"channel":0,"num_words":1,"start":1027.85,"end":1028.33},{"sentences":[{"text":"think 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with Hesta.","start":1033.53,"end":1034.57,"sentiment":"neutral","sentiment_score":0.07229843735694885},{"text":"They've got some some interesting investments there.","start":1034.57,"end":1037.525,"sentiment":"neutral","sentiment_score":0.16629065360341752},{"text":"They do have a very limited choice.","start":1037.525,"end":1039.785,"sentiment":"neutral","sentiment_score":-0.060375084834439416},{"text":"Basic insurance is there, which is cool too.","start":1040.485,"end":1042.985,"sentiment":"neutral","sentiment_score":0.0961613580584526},{"text":"I'll I'll need to see what what they do have it in there.","start":1043.045,"end":1045.705,"sentiment":"neutral","sentiment_score":0.007798339061152477}],"sentiment":"neutral","sentiment_score":0.04813088330832359,"channel":0,"num_words":38,"start":1033.53,"end":1045.705},{"sentences":[{"text":"Were you looking for any...","start":1045.925,"end":1047.205,"sentiment":"neutral","sentiment_score":-0.007853273302316666},{"text":"Did you get, like, income protection or anything like that?","start":1047.205,"end":1049.79,"sentiment":"neutral","sentiment_score":-0.04520519338548183}],"sentiment":"neutral","sentiment_score":-0.03275455335776011,"channel":0,"num_words":15,"start":1045.925,"end":1049.79},{"sentences":[{"text":"Mhmm.","start":1052.595,"end":1052.755,"sentiment":"neutral","sentiment_score":-0.03442014753818512},{"text":"Don't really know.","start":1052.755,"end":1053.795,"sentiment":"neutral","sentiment_score":-0.14032533019781113},{"text":"I've never bothered looking at anything to do with my sister, to be honest.","start":1053.795,"end":1057.415,"sentiment":"neutral","sentiment_score":-0.15254503062793187}],"sentiment":"neutral","sentiment_score":-0.14394592038459247,"channel":1,"num_words":18,"start":1052.595,"end":1057.415},{"sentences":[{"text":"Fair enough.","start":1058.11,"end":1058.8501,"sentiment":"neutral","sentiment_score":0.09714505076408386}],"sentiment":"neutral","sentiment_score":0.09714505076408386,"channel":0,"num_words":2,"start":1058.11,"end":1058.8501},{"sentences":[{"text":"Just sign up with whoever the company is with at the time, I think.","start":1060.0,"end":1062.82,"sentiment":"neutral","sentiment_score":0.030830236950090954}],"sentiment":"neutral","sentiment_score":0.030830236950090954,"channel":1,"num_words":14,"start":1060.0,"end":1062.82},{"sentences":[{"text":"Yeah.","start":1063.31,"end":1063.81,"sentiment":"neutral","sentiment_score":-0.008371766656637192},{"text":"I'm assuming that you would have had employees setting up funds whenever you move between.","start":1063.87,"end":1068.405,"sentiment":"neutral","sentiment_score":0.003236600880821546},{"text":"And then, I guess, recently, when they changed legislation, it's all probably gone to to 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to to live on, essentially.","start":1249.74,"end":1253.6,"sentiment":"neutral","sentiment_score":0.023357606104885537}],"sentiment":"neutral","sentiment_score":0.023357606104885537,"channel":0,"num_words":12,"start":1249.74,"end":1253.6},{"sentences":[{"text":"Yep.","start":1253.665,"end":1254.145,"sentiment":"neutral","sentiment_score":0.03976341709494591},{"text":"Yep.","start":1254.145,"end":1254.645,"sentiment":"neutral","sentiment_score":0.02759772352874279}],"sentiment":"neutral","sentiment_score":0.03368057031184435,"channel":1,"num_words":2,"start":1253.665,"end":1254.645},{"sentences":[{"text":"Now one of the things...","start":1256.06,"end":1257.28,"sentiment":"neutral","sentiment_score":-0.0006515190005302429},{"text":"Sorry.","start":1257.5,"end":1257.9,"sentiment":"neutral","sentiment_score":-0.15234139561653137},{"text":"Go 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country.","start":1263.3351,"end":1268.935,"sentiment":"neutral","sentiment_score":0.12306073307991028},{"text":"And they say, oh, as a couple, like a comfortable lifestyle, you probably need about 70,000 as a couple for living expenses and some general holidays.","start":1268.935,"end":1278.61,"sentiment":"neutral","sentiment_score":0.15034859054363692},{"text":"And then you just kind of go up from there, if that makes 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does.","start":1286.775,"end":1287.675,"sentiment":"neutral","sentiment_score":0.31464221080144245}],"sentiment":"neutral","sentiment_score":0.31464221080144245,"channel":1,"num_words":3,"start":1286.775,"end":1287.675},{"sentences":[{"text":"It does.","start":1288.91,"end":1289.23,"sentiment":"positive","sentiment_score":0.37764327228069305},{"text":"It does.","start":1289.23,"end":1289.835,"sentiment":"positive","sentiment_score":0.3601967841386795},{"text":"And it's also a generational thing too.","start":1289.995,"end":1291.755,"sentiment":"neutral","sentiment_score":0.15690545099122183},{"text":"There's a lot of people who never had any super, and they just wanna get a bit more than the age pension.","start":1291.755,"end":1297.375,"sentiment":"neutral","sentiment_score":-0.00611003539101644}],"sentiment":"neutral","sentiment_score":0.0739271967022708,"channel":0,"num_words":33,"start":1288.91,"end":1297.375},{"sentences":[{"text":"Yeah.","start":1297.55,"end":1298.05,"sentiment":"neutral","sentiment_score":-0.014725681394338608}],"sentiment":"neutral","sentiment_score":-0.014725681394338608,"channel":1,"num_words":1,"start":1297.55,"end":1298.05},{"sentences":[{"text":"I'm assuming you probably don't wanna be living off Centrelink through your sixties and seventies.","start":1298.315,"end":1302.255,"sentiment":"neutral","sentiment_score":-0.06151084279020627}],"sentiment":"neutral","sentiment_score":-0.06151084279020627,"channel":0,"num_words":15,"start":1298.315,"end":1302.255},{"sentences":[{"text":"Absolutely 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if","start":1306.7401,"end":1310.9801,"sentiment":"neutral","sentiment_score":0.018921469648679096}],"sentiment":"neutral","sentiment_score":0.005720485406725303,"channel":0,"num_words":23,"start":1303.995,"end":1310.9801},{"sentences":[{"text":"Each","start":1310.9451,"end":1311.4451,"sentiment":"neutral","sentiment_score":0.03088412806391716}],"sentiment":"neutral","sentiment_score":0.03088412806391716,"channel":1,"num_words":1,"start":1310.9451,"end":1311.4451},{"sentences":[{"text":"you have the best?","start":1310.9801,"end":1311.88,"sentiment":"neutral","sentiment_score":0.04498231038451195}],"sentiment":"neutral","sentiment_score":0.04498231038451195,"channel":0,"num_words":4,"start":1310.9801,"end":1311.88},{"sentences":[{"text":"sounds","start":1311.905,"end":1312.305,"sentiment":"neutral","sentiment_score":0.03577695041894913}],"sentiment":"neutral","sentiment_score":0.03577695041894913,"channel":1,"num_words":1,"start":1311.905,"end":1312.305},{"sentences":[{"text":"Yeah.","start":1312.26,"end":1312.76,"sentiment":"neutral","sentiment_score":0.0758383572101593}],"sentiment":"neutral","sentiment_score":0.0758383572101593,"channel":0,"num_words":1,"start":1312.26,"end":1312.76},{"sentences":[{"text":"okay.","start":1312.305,"end":1312.805,"sentiment":"neutral","sentiment_score":0.06547687947750092}],"sentiment":"neutral","sentiment_score":0.06547687947750092,"channel":1,"num_words":1,"start":1312.305,"end":1312.805},{"sentences":[{"text":"So we go no mortgage, a thousand dollars a week, and then, like, a few holidays mixed in, you know, maybe one or two a year.","start":1314.02,"end":1319.38,"sentiment":"neutral","sentiment_score":0.02471037767827511},{"text":"We probably can't do five How does that sound?","start":1319.38,"end":1322.265,"sentiment":"neutral","sentiment_score":-0.00801215631266435}],"sentiment":"neutral","sentiment_score":0.016296011794890677,"channel":0,"num_words":35,"start":1314.02,"end":1322.265},{"sentences":[{"text":"Yeah.","start":1323.65,"end":1323.97,"sentiment":"neutral","sentiment_score":0.215589240193367},{"text":"That's good.","start":1323.97,"end":1324.71,"sentiment":"positive","sentiment_score":0.4604145437479019}],"sentiment":"positive","sentiment_score":0.37880610922972363,"channel":1,"num_words":3,"start":1323.65,"end":1324.71},{"sentences":[{"text":"Cool.","start":1325.2051,"end":1325.685,"sentiment":"positive","sentiment_score":0.4751678705215454},{"text":"So I can kind of use that as a bit of a northern star to guide towards over the projections and everything.","start":1325.685,"end":1330.665,"sentiment":"neutral","sentiment_score":0.27346659316258}],"sentiment":"neutral","sentiment_score":0.2822362139173176,"channel":0,"num_words":23,"start":1325.2051,"end":1330.665},{"sentences":[{"text":"Mhmm.","start":1331.01,"end":1331.51,"sentiment":"neutral","sentiment_score":0.016189884394407272}],"sentiment":"neutral","sentiment_score":0.016189884394407272,"channel":1,"num_words":1,"start":1331.01,"end":1331.51},{"sentences":[{"text":"Mix in a few holidays.","start":1332.485,"end":1333.545,"sentiment":"neutral","sentiment_score":0.006486527621746063},{"text":"One thing I have to be very careful on is...","start":1333.7,"end":1335.78,"sentiment":"neutral","sentiment_score":-0.13271873071789742},{"text":"I don't know if you've heard, like, in the news a lot.","start":1335.78,"end":1338.26,"sentiment":"neutral","sentiment_score":-0.14565384450058141},{"text":"They're always throwing the word inflation 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21, and 24.","start":1445.51,"end":1447.605,"sentiment":"neutral","sentiment_score":0.019905327819287777}],"sentiment":"neutral","sentiment_score":0.019905327819287777,"channel":1,"num_words":4,"start":1445.51,"end":1447.605},{"sentences":[{"text":"11, 21, and 24.","start":1448.3849,"end":1451.59,"sentiment":"neutral","sentiment_score":0.017263108864426613},{"text":"Is there anything that you would like to factor in for for the 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for","start":1977.3551,"end":1979.115,"sentiment":"neutral","sentiment_score":0.1294251964850859}],"sentiment":"neutral","sentiment_score":0.2127259413401286,"channel":0,"num_words":15,"start":1976.395,"end":1979.115},{"sentences":[{"text":"you.","start":1978.975,"end":1979.475,"sentiment":"neutral","sentiment_score":0.12587319314479828}],"sentiment":"neutral","sentiment_score":0.12587319314479828,"channel":1,"num_words":1,"start":1978.975,"end":1979.475},{"sentences":[{"text":"a couple more minutes for Mick, or do you think that kind of helps enough tonight?","start":1979.115,"end":1983.52,"sentiment":"neutral","sentiment_score":0.11466408055275679},{"text":"Not that I'm in a rush to get off the phone at all.","start":1986.7,"end":1988.62,"sentiment":"neutral","sentiment_score":-0.1706647391502674},{"text":"I've got a whole, you know, hour, hour and a half booked out for you guys.","start":1988.62,"end":1991.84,"sentiment":"neutral","sentiment_score":0.25636593298986554},{"text":"I'm totally happy to wait on hold or whatever he needs.","start":1991.98,"end":1995.005,"sentiment":"positive","sentiment_score":0.5640972310846503}],"sentiment":"neutral","sentiment_score":0.17719478838677918,"channel":0,"num_words":56,"start":1979.115,"end":1995.005},{"sentences":[{"text":"Let me just have a look.","start":1995.34,"end":1996.96,"sentiment":"neutral","sentiment_score":0.20879223942756653}],"sentiment":"neutral","sentiment_score":0.20879223942756653,"channel":1,"num_words":6,"start":1995.34,"end":1996.96},{"sentences":[{"text":"Thank you.","start":1998.505,"end":1999.245,"sentiment":"positive","sentiment_score":0.46046195924282074}],"sentiment":"positive","sentiment_score":0.46046195924282074,"channel":0,"num_words":2,"start":1998.505,"end":1999.245},{"sentences":[{"text":"289872.","start":1999.26,"end":2002.235,"sentiment":"neutral","sentiment_score":0.06160760670900345},{"text":"Nope.","start":2002.235,"end":2002.735,"sentiment":"neutral","sentiment_score":-0.09487509727478027},{"text":"Still going.","start":2003.275,"end":2004.095,"sentiment":"neutral","sentiment_score":-0.09658857807517052},{"text":"No.","start":2007.355,"end":2007.755,"sentiment":"neutral","sentiment_score":-0.057245418429374695},{"text":"I I couldn't tell him he's gonna be, but he's still in the meeting.","start":2007.755,"end":2012.255,"sentiment":"neutral","sentiment_score":-0.10330320681844439}],"sentiment":"neutral","sentiment_score":-0.09104920845282705,"channel":1,"num_words":19,"start":1999.26,"end":2012.255},{"sentences":[{"text":"That is okay.","start":2013.12,"end":2014.16,"sentiment":"neutral","sentiment_score":0.2839505473772685},{"text":"So what I might do is I will kind of build you a file on our system just so all the information is there that we've talked about today.","start":2014.16,"end":2023.035,"sentiment":"neutral","sentiment_score":0.2127426397697679}],"sentiment":"neutral","sentiment_score":0.21941838110797107,"channel":0,"num_words":32,"start":2013.12,"end":2023.035},{"sentences":[{"text":"Yep.","start":2023.3301,"end":2023.8301,"sentiment":"neutral","sentiment_score":0.19820664823055267}],"sentiment":"neutral","sentiment_score":0.19820664823055267,"channel":1,"num_words":1,"start":2023.3301,"end":2023.8301},{"sentences":[{"text":"And I would just reach out or send Mick an email, text message just to let him know that I'd like to sort of do a catch up with him as well, and","start":2023.335,"end":2031.275,"sentiment":"neutral","sentiment_score":0.20872571658004413}],"sentiment":"neutral","sentiment_score":0.20872571658004413,"channel":0,"num_words":33,"start":2023.335,"end":2031.275},{"sentences":[{"text":"Yeah.","start":2030.9049,"end":2031.145,"sentiment":"neutral","sentiment_score":0.23395037651062012},{"text":"Easy.","start":2031.145,"end":2031.645,"sentiment":"neutral","sentiment_score":0.2542150318622589}],"sentiment":"neutral","sentiment_score":0.24408270418643951,"channel":1,"num_words":2,"start":2030.9049,"end":2031.645},{"sentences":[{"text":"and then we can go from 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appreciate it.","start":2038.16,"end":2039.38,"sentiment":"positive","sentiment_score":0.8658343255519867}],"sentiment":"positive","sentiment_score":0.8397272871090815,"channel":0,"num_words":13,"start":2036.055,"end":2039.38},{"sentences":[{"text":"You too.","start":2039.429,"end":2040.169,"sentiment":"positive","sentiment_score":0.6387918293476105}],"sentiment":"positive","sentiment_score":0.6387918293476105,"channel":1,"num_words":2,"start":2039.429,"end":2040.169},{"sentences":[{"text":"Alrighty.","start":2041.68,"end":2042.18,"sentiment":"positive","sentiment_score":0.4574925005435944},{"text":"Talk to you soon.","start":2042.24,"end":2042.96,"sentiment":"positive","sentiment_score":0.44790758192539215},{"text":"Thank you.","start":2042.96,"end":2043.7001,"sentiment":"positive","sentiment_score":0.6238916218280792}],"sentiment":"positive","sentiment_score":0.49955801027161734,"channel":0,"num_words":7,"start":2041.68,"end":2043.7001},{"sentences":[{"text":"Okay.","start":2043.269,"end":2043.769,"sentiment":"neutral","sentiment_score":0.2962501645088196},{"text":"Bye.","start":2043.829,"end":2044.329,"sentiment":"neutral","sentiment_score":0.28651097416877747}],"sentiment":"neutral","sentiment_score":0.2913805693387985,"channel":1,"num_words":2,"start":2043.269,"end":2044.329},{"sentences":[{"text":"Bye.","start":2044.72,"end":2045.22,"sentiment":"neutral","sentiment_score":0.1546509712934494}],"sentiment":"neutral","sentiment_score":0.1546509712934494,"channel":0,"num_words":1,"start":2044.72,"end":2045.22},{"sentences":[{"text":"Bye.","start":2045.509,"end":2046.009,"sentiment":"neutral","sentiment_score":-0.11921176314353944}],"sentiment":"neutral","sentiment_score":-0.11921176314353944,"channel":1,"num_words":1,"start":2045.509,"end":2046.009}]},"summary":{"result":"success","short":"A Homeview representative named Tommy discusses potential strategies for superannaged contributions and pooling with Anita, emphasizing the importance of working with both partners and finding a good retirement lifestyle. The speaker provides information on retirement plans, income projections, risk profiles, and financial advisers, emphasizing the importance of finding the right fit for retirement and finding the right retirement lifestyle. The speaker also discusses the benefits of living a low income lifestyle and the need for a mortgage to cover expenses, as well as the importance of providing advice documents and anonymously sending advice documents."},"intents":{"segments":[{"text":"Now I had you guys booked in to talk about potential strategies in terms of, like, pooling, superannuation, spouse contributions, things like that. Is that correct?","start_word":109,"end_word":134,"intents":[{"intent":"Discuss potential strategies","confidence_score":0.096124545}]},{"text":"But I know they said they could get it up to around 600,000 by the time I'm around 60. $8.60.","start_word":351,"end_word":370,"intents":[{"intent":"Assess financial options","confidence_score":0.004173546}]},{"text":"with you, we just need to make sure that we've got your details correct as well. Perfect.","start_word":709,"end_word":725,"intents":[{"intent":"Verify contact details","confidence_score":0.15218212}]},{"text":"Now one thing I do have to let you know is when we go through any kind of advice process, so we will need to send you through a financial services guide, which has our, like, licensing details, privacy policy, and so on on there. Mhmm.","start_word":841,"end_word":886,"intents":[{"intent":"Send financial information","confidence_score":0.0007365049}]},{"text":"Now one thing I was kind of looking forward to talking to Mick about as well is just in terms of joint joint planning and joint goals. Because whenever Mhmm.","start_word":1023,"end_word":1052,"intents":[{"intent":"Discuss joint planning","confidence_score":0.12990394}]},{"text":"you have both partners on board, I tend to like to mix it in for some joint goals, especially because you guys are at that that age range where retirement's coming a bit more kind of crystal. It's not Yep.","start_word":1054,"end_word":1093,"intents":[{"intent":"Mix goals","confidence_score":0.088000186}]},{"text":"Now he did put down that he was wanting to retire somewhere between the age of 60 and 65.","start_word":1119,"end_word":1137,"intents":[{"intent":"Determine retirement age","confidence_score":0.20788217}]},{"text":"What is it that you do for work? Support work.","start_word":1259,"end_word":1268,"intents":[{"intent":"Determine job position","confidence_score":0.0012162146}]},{"text":"Support work. Support work.","start_word":1267,"end_word":1270,"intents":[{"intent":"Determine support work","confidence_score":0.012027972}]},{"text":"Anita, how long have you been doing that for? The last five years?","start_word":1329,"end_word":1341,"intents":[{"intent":"Determine duration of support work","confidence_score":0.0032629564}]},{"text":"My client's only 16, but she's like the Hulk and very behavioral. Right. Okay. So it takes a lot of skills to navigate the physical, emotional side and everything. Yeah. A lot.","start_word":1396,"end_word":1427,"intents":[{"intent":"Manage client's finances","confidence_score":0.0047587673}]},{"text":"Do you feel like you need any help with that, or you think you... 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Was it like a growth or a balance or something?","start_word":2489,"end_word":2511,"intents":[{"intent":"Evaluate financial plans","confidence_score":0.00035526045}]},{"text":"So pretty well frowned upon, but, look, people do need advice, and it's just trying to make sure you've got the right fit at the end of the day.","start_word":3284,"end_word":3312,"intents":[{"intent":"Provide advice","confidence_score":0.03660543}]},{"text":"Now I had a bit of a, like, a retirement goal with him as well, And I wanted to just kind of ask you the lifestyle. You mentioned pay off the mortgage, do some holidays, some travel, and so on. Have you Yep.","start_word":3314,"end_word":3356,"intents":[{"intent":"Ask about lifestyle","confidence_score":0.26811138}]},{"text":"I just don't even see it possible to live off anything other than what we earn right now. on?","start_word":3372,"end_word":3390,"intents":[{"intent":"Evaluate money","confidence_score":0.000013781951}]},{"text":"So one of the cool things about retirement, not to sort of just throw in so far down the track, but while you're earning an income, obviously, you're being taxed. Right? Mhmm.","start_word":3405,"end_word":3436,"intents":[{"intent":"Consider taxes","confidence_score":0.0004124708}]},{"text":"And then if you chop off the mortgage, do you know what your repayments are around about? I actually don't know.","start_word":3497,"end_word":3517,"intents":[{"intent":"Understand repayments","confidence_score":0.023108693},{"intent":"Understand mortgage","confidence_score":0.0012565942}]},{"text":"So let's say you're paying 700 a week and that mortgage is now cleared, well, you don't need the tax anymore and you don't need the 700 a week for the mortgage. So it just Yep.","start_word":3536,"end_word":3571,"intents":[{"intent":"Reducing mortgage payments","confidence_score":0.0003815249}]},{"text":"of lowers how much you actually need to to live on, essentially. Yep.","start_word":3573,"end_word":3585,"intents":[{"intent":"Increasing costs","confidence_score":0.0065506822}]},{"text":"So we go no mortgage, a thousand dollars a week, and then, like, a few holidays mixed in, you know, maybe one or two a year. We probably can't do five How does that sound?","start_word":3767,"end_word":3801,"intents":[{"intent":"Discussing holidays","confidence_score":0.09203971}]},{"text":"One thing I have to be very careful on is... I don't know if you've heard, like, in the news a lot. They're always throwing the word inflation around a lot. Mhmm.","start_word":3834,"end_word":3865,"intents":[{"intent":"Discussing inflation rates","confidence_score":0.0000030254419}]},{"text":"And you guys have... Is it three three children? Three kids.","start_word":4108,"end_word":4118,"intents":[{"intent":"Inquire about heirs' age and income","confidence_score":1.1530185e-9}]},{"text":"They will always ask the following questions about sleeping. You know, is there sleep apnea there, anything like that, any conditions that it's linked to, or is it just a sleep aid?","start_word":4606,"end_word":4637,"intents":[{"intent":"Explaining sleep aid","confidence_score":0.00024114641}]},{"text":"Just to help me get to sleep. 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Not to go too deep into it, but the insurers, for some odd reason, they absolutely hate migraines or at least untreated.","start_word":4673,"end_word":4705,"intents":[{"intent":"Identifying migraine risk","confidence_score":0.000025532368}]},{"text":"I suffer migraines. Migraines. Migraines. That is always a fun one. Not to go too deep into it, but the insurers, for some odd reason, they absolutely hate migraines or at least untreated. I know my sister in law's got, like, a piercing in her ear to help reduce migraines Mhmm.","start_word":4673,"end_word":4723,"intents":[{"intent":"Providing information on migraine treatment","confidence_score":0.004604535},{"intent":"Discussing migraine treatment","confidence_score":0.08528255}]},{"text":"Have you ever been, I guess, recommended to go see, like, a neurological specialist to do with the migraines? I've seen specialists.","start_word":4727,"end_word":4748,"intents":[{"intent":"Considering migraine treatment","confidence_score":0.0033653036}]},{"text":"Have you ever been, I guess, recommended to go see, like, a neurological specialist to do with the migraines? I've seen specialists. Yeah. I K. was on medication for it, but the CBD helps, so I don't need it. Perfect.","start_word":4727,"end_word":4766,"intents":[{"intent":"Explaining cbd recommendation","confidence_score":0.0006717337}]},{"text":"So there was a specialist before. Was that, like, the last five years, or was that Oh, ten, fifteen this years bracelet ago? is probably over ten years ago. Over ten years ago. So when they go through that, they usually get some some doctor's reports not to try and make it the the hardest thing in the world. But when they do that, was there any recommendations from the doctors about follow-up treatments or surgeries? No. Perfect.","start_word":4796,"end_word":4873,"intents":[{"intent":"Asking about previous treatments","confidence_score":0.00020146405},{"intent":"Acknowledging past treatments","confidence_score":0.0000032968994},{"intent":"Explaining previous treatment","confidence_score":0.000061801584}]},{"text":"Failing that, there is also things like transfer of insurances. So if there's an issue where they wouldn't cover you for something, you can possibly even just transfer your insurances across as they are, and it may be far cheaper than what you're currently paying as well. Yep.","start_word":4973,"end_word":5020,"intents":[{"intent":"Assist with transfer of insurances","confidence_score":0.00003770983}]},{"text":"Any questions for me so far, Anita? No. Cool.","start_word":5314,"end_word":5322,"intents":[{"intent":"Communicate with mike","confidence_score":0.0016219844}]},{"text":"Is Mick available still to go through anything tonight, He's or is that kind still of in in there on his meeting. --?","start_word":5339,"end_word":5361,"intents":[{"intent":"Update schedule","confidence_score":0.000047563677}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. That must be Anita. It is Anita. Hi, Anita. It's Tommy here, senior adviser from Homeview. How are you doing?","start_word":0,"end_word":22,"sentiment":"neutral","sentiment_score":0.17352907359600067},{"text":"I'm good.","start_word":23,"end_word":24,"sentiment":"positive","sentiment_score":0.3904310166835785},{"text":"How are you?","start_word":25,"end_word":27,"sentiment":"neutral","sentiment_score":0.2983740270137787},{"text":"I'm doing fantastic. Just giving you a call to speak to, I believe, both yourself and Michael.","start_word":28,"end_word":44,"sentiment":"positive","sentiment_score":0.43539437651634216},{"text":"Yeah. I'm actually in a work meeting at the moment, so it's just me at the moment. No worries at all.","start_word":45,"end_word":65,"sentiment":"neutral","sentiment_score":0.13343271613121033},{"text":"I can definitely start a bit of a chat with yourself.","start_word":66,"end_word":76,"sentiment":"positive","sentiment_score":0.40428489446640015},{"text":"Mhmm. And then when Nick's available, I might just sort of go through a quick security check with him Yep. just to talk about his his details, if that makes sense.","start_word":77,"end_word":107,"sentiment":"neutral","sentiment_score":0.07994703948497772},{"text":"Perfect.","start_word":108,"end_word":108,"sentiment":"positive","sentiment_score":0.4086853265762329},{"text":"Now I had you guys booked in to talk about potential strategies in terms of, like, pooling, superannuation, spouse contributions, things like that. Is that correct? Mhmm. Yep. Perfect. Any ideas or thoughts on your end about what you were hoping to get out of today's conversation? Well, I'm looking to find... I've been speaking to somebody else, like, previously about swapping my super over and... Because at the moment, it's not very healthy. And Right. they had, like, told me what their fees were and what they could get it get it up to and stuff, and Mick was a bit like, I think their fees are a bit high and to see what your comparison was. That's right. I can see here there was some information about they'd recommended... Was it my North Super? Mhmm. Yep. And you're looking at some SOA fees. They presented you some advice, and it was looking at about 2.2%. It looked a little bit high, that kind of thing. Yeah. Perfect. In terms of, I guess, the the fees themselves, did they give you a bit of a breakdown about charging, you know, upfront versus ongoing and a breakdown of their services. It probably would have been an email. They sent me, like, a contract to sign, which I haven't, but I know that it was, like, a 2.5% per year. I don't know what... If there was an upfront fee. Yep. K. But I know they said they could get it up to around 600,000 by the time I'm around 60. $8.60. If I could just quickly ask you as well. So just for a bit of context, they've given you a projection up to the age of 60. 600,000 is kind of what they're aiming for. Mhmm. You said that your super balance isn't too healthy at the moment. No. What I would think I've it be only sitting got out about a 100, of maybe a 100 them? and five or something. Oh, okay. Hundred, hundred and five at the moment. And I don't mean to be to be rude, but in terms of time frames and date of birth and so on, how far away would 60 be for yourself? I'm 45. 45. Okay. So in fifteen years, you go from a hundred thousand to 600,000. Right. Okay. A bit lofty, but I'm assuming they've got some really good performance figures there. And did you kind of like what they recommended initially in terms of the the investments? Did it make sense? None of it makes sense to me. That's why I make me talk. But he was like, it all sounded good, but he thinks the ongoing fees are a bit much. Okay. If you would like, so one thing that I can do is obviously go through how we conduct business and services and whatnot, Mhmm. fee structures and so on. But if you did wanna send through that advice document to us, I can give you a bit of a comparison to see if we do offer anything that would be, you know, less expensive than that if that's what you're looking for. Yep. Well, that's expensive, but I'm still looking for a higher outcome. Yeah. Absolutely. Not just about the fees. You do value trying to get the returns Yeah. as well.","start_word":109,"end_word":666,"sentiment":"neutral","sentiment_score":-0.01043557361983377},{"text":"Yeah. Perfect.","start_word":667,"end_word":668,"sentiment":"positive","sentiment_score":0.4627978801727295},{"text":"So what I might do too, do you mind if I grab down just a couple of basic details from yourself? Obviously, we will talk through Mick as well. But if Yep. we are going to be liaising Yep. with you, we just need to make sure that we've got your details correct as well.","start_word":669,"end_word":723,"sentiment":"neutral","sentiment_score":0.13155667998573997},{"text":"Perfect.","start_word":724,"end_word":724,"sentiment":"positive","sentiment_score":0.529937744140625},{"text":"Could I please get a contact number? Because I believe I've got this noted down from Mix Yeah. Mobile. This is Nick's phone. Mine's 0433456136. O four, double three, 136. Perfect. And an email address? Drama, d r a m a Drama. Yeah. q w, e e, n. Q w, e e n. So drama queen with a q w. Yep. 81@hotmail.com. Festival @hotmail.com.","start_word":725,"end_word":788,"sentiment":"neutral","sentiment_score":0.04715680703520775},{"text":"Glad to see you still got your Hotmail address.","start_word":789,"end_word":797,"sentiment":"positive","sentiment_score":0.5381328463554382},{"text":"I think mine's been locked for about twenty years. I've tried to change my email address, and I can never remember it. So I just have to stick. Just speak to the Hotmail. Okay. So that Yep. won't be changing anytime soon. Nope. Now one thing I do have to let you know is when we go through any kind of advice process, so we will need to send you through a financial services guide, which has our, like, licensing details, privacy policy, and so on on there. Mhmm. I will be sending through one to Mick as well because we have updated it since we last spoke. Yep. But I just wanna send a copy out to you as well separately. Perfect. And could I just grab your date of birth, please? 04/30/1981.","start_word":798,"end_word":931,"sentiment":"neutral","sentiment_score":-0.004931977018713951},{"text":"Perfect.","start_word":932,"end_word":932,"sentiment":"positive","sentiment_score":0.3710017800331116},{"text":"Now what usually happens is if we go through the initial discovery process and find that there is something we can do for you, we would obtain certified ID as part of the new sort of anti money laundering laws that have come in just to verify that you are who you say you are. Not that I don't trust you and Mick. Of course, he's got his partner on the phone, so that's totally fair enough. But we just have to do that as our due diligence. Yep.","start_word":933,"end_word":1021,"sentiment":"neutral","sentiment_score":0.1383921504020691},{"text":"Perfect. Now one thing I was kind of looking forward to talking to Mick about as well is just in terms of joint joint planning and joint goals.","start_word":1022,"end_word":1049,"sentiment":"positive","sentiment_score":0.47151631116867065},{"text":"Because whenever Mhmm. you have both partners on board, I tend to like to mix it in for some joint goals, especially because you guys are at that that age range where retirement's coming a bit more kind of crystal. It's not Yep. like we're not 28 years old. Just being like, you know, it's thirty years away. It's it's coming closer and closer, if that makes sense. Yeah. Now he did put down that he was wanting to retire somewhere between the age of 60 and 65. Have you got Mhmm. a bit of a preference in terms of if I won the lotto, I'd be out of the rat race tomorrow, or you're gonna work right I through don't till see me 70? ever giving up my job, but I'm not gonna be able to do it forever. So probably around 62. Yeah. Yep.","start_word":1050,"end_word":1195,"sentiment":"neutral","sentiment_score":-0.08076113194533407},{"text":"Awesome.","start_word":1196,"end_word":1196,"sentiment":"positive","sentiment_score":0.4555089473724365},{"text":"Usually, when I ask that question, it's a fifty fifty split across the country where half of Australia says, look. I'd retire tomorrow. The other half says, I wouldn't know what to do with myself. I wouldn't... I always need something to do. But I work with, like, really violent clients, so I don't see me being... Me 60 Spartan people. Okay. What is it that you do for work? Support work. Support work. Okay. Yes. And is that LinkedIn with, like, the NDIS and everything? Yes. Or... NDIS. Alright. NDIS But... support worker. High complex. Right. Right. And I do know a few people who have started businesses in the space that had transitioned from nursing. Were you a nurse beforehand No. I wasn't. straight into support work?","start_word":1197,"end_word":1325,"sentiment":"neutral","sentiment_score":-0.02963283099234104},{"text":"That's always fun.","start_word":1326,"end_word":1328,"sentiment":"positive","sentiment_score":0.3597048223018646},{"text":"Anita, how long have you been doing that for? The last five years? Okay. Perfect. To decent extent to to know that you like doing it and... But you might not be able to do it forever. Maybe not.","start_word":1329,"end_word":1367,"sentiment":"neutral","sentiment_score":-0.004020122345536947},{"text":"They're pretty aggressive. No.","start_word":1368,"end_word":1371,"sentiment":"negative","sentiment_score":-0.46085357666015625},{"text":"Is this in terms of just like the elderly population? Just, you know, forgetting No. where they are and getting aggressive? No. No. My client's only 16, but she's like the Hulk and very behavioral. Right. Okay. So it takes a lot of skills to navigate the physical, emotional side and everything. Yeah. A lot. Okay.","start_word":1372,"end_word":1427,"sentiment":"neutral","sentiment_score":-0.03535981715789863},{"text":"Oh, that's very fun.","start_word":1428,"end_word":1431,"sentiment":"positive","sentiment_score":0.5980684757232666},{"text":"They did mention he was wanting to look at possibly doing some contributions into your super, do a bit of spouse contributions there. One thing I can sort of say up front is that it gets him a bit of a deduction for if your income is under 37,000, under 40,000. Mhmm. Yeah. No. My income's not under that. What would we be sitting at? Like, 80, a 100? I think last year was about a 130. 130. Okay.","start_word":1432,"end_word":1510,"sentiment":"neutral","sentiment_score":0.02185160294175148},{"text":"So that is off the tape, unfortunately.","start_word":1511,"end_word":1517,"sentiment":"negative","sentiment_score":-0.33984652161598206},{"text":"Yeah. It's always the way. Child child care subsidy goes, the tax deductions and other contributions go, but, you know, the high... I wouldn't say high income earners, but the moment your wages get up there into 6 figures, you tend to lose the benefits and lose a lot of the options.","start_word":1518,"end_word":1569,"sentiment":"neutral","sentiment_score":-0.2971571683883667},{"text":"It's really unfair, isn't it?","start_word":1570,"end_word":1574,"sentiment":"negative","sentiment_score":-0.4941660165786743},{"text":"It is. It is, but we navigate what we can. It's either that or just move countries, and that's probably not my recommendation for today. So we've got a 130,000. So you're both in that that bracket towards the sort of 32, 37% mark. Are you doing anything through work? Because I know they usually do salary packaging for certain things in that industry. My previous company had salary packaging, but this one does not. So... Okay. No. So the only thing you've really got is, like, salary sacrifice to super, but nothing for the mortgage or expenses or anything like that. Okay.","start_word":1575,"end_word":1677,"sentiment":"neutral","sentiment_score":-0.1273040473461151},{"text":"So no rem serve. That's not fun.","start_word":1678,"end_word":1684,"sentiment":"negative","sentiment_score":-0.3860628604888916},{"text":"Okay. We'll take that one off. And in terms of other priorities, so I was looking at a few things that that Mick was doing, but what would you say is your, I guess, individual focus for the next few years financially and and as a couple? Well, at the moment, we're just trying to smash off our mortgage. Yep. We recently refinanced, and we're just trying to pay that off as quick as possible. Oh, perfect. So you got the Does refinance it... done.","start_word":1685,"end_word":1769,"sentiment":"neutral","sentiment_score":-0.0323134406524546},{"text":"That's good. Yeah. The goal is to have that paid off, let's say, within the next seven ish years. Seven years. That'd be amazing, wouldn't it?","start_word":1770,"end_word":1795,"sentiment":"positive","sentiment_score":0.4818554222583771},{"text":"It really would be. Do you feel like you need any help with that, or you think you... You're both kind of on track budgeting wise? No. I think we're doing alright with that.","start_word":1796,"end_word":1829,"sentiment":"neutral","sentiment_score":0.043381690979003906},{"text":"Oh, good. Good. Good.","start_word":1830,"end_word":1833,"sentiment":"positive","sentiment_score":0.4290505349636078},{"text":"A lot of people, you know, struggling with interest rates and the fuel prices and everything. So if you feel Oh, like you can yeah. make headway, Yeah.","start_word":1834,"end_word":1861,"sentiment":"neutral","sentiment_score":0.13653632998466492},{"text":"that's good.","start_word":1862,"end_word":1863,"sentiment":"positive","sentiment_score":0.4871901571750641},{"text":"Alrighty. Outside of that, anything else in particular? Not at the moment. Just pay that off, then we can enjoy holidays and things like that. That's it. Bit of financial freedom once you got some cash flow Yeah. freed up after the mortgage. Absolutely. And just in terms of, like, assets and liabilities, obviously, I I understand you guys have the the home and the mortgage. Is Mhmm. there anything individually that you would have in terms of assets, loans, anything that I need to factor in? No. All our loans would be facilitated into the mortgage. I don't think there's anything that we have now. Amazing. Could I grab an updated mortgage value from you if possible? What we do refinance for? Yeah. So Do you what mean? what would the total debt be now that you've consolidated? I think it's $5.25 ish. Okay. Can use that as a bit of a starting point. That's no worries at all. $5.25. And Yeah. I will... Mix I know all you've... over that stuff. I just spend the money. He Okay. organized it. I buy silly things. Oh, that's fine.","start_word":1864,"end_word":2052,"sentiment":"neutral","sentiment_score":0.06636003404855728},{"text":"It works well.","start_word":2053,"end_word":2055,"sentiment":"positive","sentiment_score":0.4208731353282929},{"text":"Symbiotic. I will just grab from you. I know you've kind of already gone through this a bit when you went through with the other guys, Mhmm. but just in terms of your own personal savings and motor vehicle. I have a car that's been refinanced into our mortgage, so there's no loan on that.","start_word":2056,"end_word":2110,"sentiment":"neutral","sentiment_score":0.09909529238939284},{"text":"Perfect.","start_word":2111,"end_word":2111,"sentiment":"positive","sentiment_score":0.4545244574546814},{"text":"Resale value approximately is not too important. Just a bit of a rough estimate. About 50,000. 15... Between 50 and 55. Yep. K. Is that one of the new electric vehicles? Or... No. Not electric, but it is new.","start_word":2112,"end_word":2150,"sentiment":"neutral","sentiment_score":-0.013284862972795963},{"text":"Perfect.","start_word":2151,"end_word":2151,"sentiment":"positive","sentiment_score":0.6376546621322632},{"text":"And I don't know how you guys sort of do the finances at the moment in terms of joint accounts versus separate, but do you have savings off to the side under your own account? There... I think there were links in our offset account, but there's probably, like, $18. Yep. And it's all just pulled for the offset of the mortgage. And is that what you're using to kind of accelerate things, just pile as much cash into that as possible? Yes.","start_word":2152,"end_word":2234,"sentiment":"neutral","sentiment_score":0.0863603949546814},{"text":"Perfect. Perfect. Okay.","start_word":2235,"end_word":2237,"sentiment":"positive","sentiment_score":0.47379380464553833},{"text":"So I've got a bit of an idea there. Just to kind of let you know a bit about myself as well. So I'm essentially taking over a mix file as a senior adviser. If you were to come on board with us, I would be looking after both of you guys. Of course, the entire team is available, but we do like to make sure that you do have someone dedicated to you as a couple. Mhmm. Yep.","start_word":2238,"end_word":2316,"sentiment":"neutral","sentiment_score":0.25718697905540466},{"text":"Cool.","start_word":2317,"end_word":2317,"sentiment":"positive","sentiment_score":0.375079333782196},{"text":"Now in terms of the way the the sort of fees work, so I was gonna go through with Mick a bit of an updated structure because we've just released some some discounts. Now normally, we would charge around about 1.65% ongoing for the fees rather than the sort of two and a half. For clients above 200,000, that drops. So we have a tiered structure where it then drops Mhmm. to 1.37, 1.1. As a couple, you guys would accelerate the tiers. So anything above 200, you would then jump to 1.1 pretty much straight away. Yep. Also, MyNorth, you mentioned earlier that was what was recommended for you for the Yeah. Subaru. Do you remember at all any kind of, like, main reasoning behind why that one was picked? I think you just said that one was gonna get me the highest kind of return without it being, like, Okay. So they tried to get some good returns without putting you into anything whiskey? high risk. Yes. Perfect. Do you remember, by any chance, what your risk profile came out as? Was it like a growth or a balance or something? Oh, I have no idea. No. That's okay. I can check it on the document. That's fine. With myNorth... So I don't wanna kind of go overboard with with the details, but MyNorth is a very well known... We call it a wrap platform. And Yep. one of the things that those are known for is that wrap platforms, generally, they're kind of like the Lamborghini of the Supa. They're a bit more expensive, but they have the most investment options. So rather than 10 to 15 as an Mhmm. super fund, Minerals got, like, 700 to choose from. No. It's actually very similar to Hub twenty four, which we have, Megan, which also have, like, 1,300 options. They are both wrap platforms. They're both kind of like... One's the Ferrari, one's the Lamborghini, if that makes sense. Mhmm. One of the cool things too is that Hub 24, just as an example, they do have things like family fee linking where you can link your super balances together, and that kind of accelerates fee discounts from the super fund as well, similar to the Oakview fee structure. So one of Yep. the Okay. comparing, obviously, the my North and what can be done inside that because we do have a lot of clients in my North and also in, for example, Hub 24, and just sort of see what would be a good fit for you guys as Mhmm. a couple. Yep. Do you think that's something that might be helpful? Yeah. Cool. Any questions on that so far? Yeah. Cool. In terms of, I guess, everything that's linked to that, so superannuation advice, we've got a bit of a retirement trajectory, 6062, '65. Obviously, Yep. there's insurances attached. You probably would have received insurance advice and and estate advice around your beneficiary nominations, things like that? Mhmm. Yep.","start_word":2318,"end_word":2820,"sentiment":"neutral","sentiment_score":0.1145274966184946},{"text":"Perfect.","start_word":2821,"end_word":2821,"sentiment":"positive","sentiment_score":0.5198967456817627},{"text":"Was there anything in particular that you were looking for when it came to the insurances? Not really.","start_word":2822,"end_word":2839,"sentiment":"neutral","sentiment_score":0.09557804465293884},{"text":"He said what I have now with my current super fund, I'm paying heaps for nothing.","start_word":2840,"end_word":2855,"sentiment":"negative","sentiment_score":-0.5129064917564392},{"text":"Yep. And I think he was looking at 600,000 life insurance and TPD for about $600 a year. Okay. So 600,000 of both life and TPD. And who's the the current Superfund that you're with? Hesto. It's not Hesto. Is it Hesto? Let me just have a look. Would it be Hesta? Bit of a I purple think it logo. is Hesto. Yeah. It's purple. Yep. Definitely Hesta there. There I'm it pretty is. familiar with Hesta. They've got some some interesting investments there. They do have a very limited choice. Basic insurance is there, which is cool too. I'll I'll need to see what what they do have it in there. Were you looking for any... Did you get, like, income protection or anything like that? Mhmm. Don't really know. I've never bothered looking at anything to do with my sister, to be honest. Fair enough. Just sign up with whoever the company is with at the time, I think. Yeah. I'm assuming that you would have had employees setting up funds whenever you move between. And then, I guess, recently, when they changed legislation, it's all probably gone to to HESTA. Right? Yes. I believe so. Because I... The first people I rang was, like, find my super, and I was like, can you find my super? And then they came back with all these things. Yeah. K. No. I am familiar with Find My Super. They're they're in the news a lot these days. Don't know if you've seen the the articles and everything. No. No. That's okay. So one of the things that's really important when it comes to financial advice is we are under something called, like, a best interest duty. So we have, like, a whole code of ethics. We've gone through, like, an ethics exam, and a big part of that is find out what a client's goals are and then Mhmm. help them try and achieve the goals. That's Yep. literally the long and short of it. What was happening is that because financial advisers need to get clients, they would go through groups like Find My Super who would call people around and say, oh, I'll check out your super for you and then forward you off to an adviser to try and give you advice.","start_word":2856,"end_word":3240,"sentiment":"neutral","sentiment_score":0.013589762049642476},{"text":"But the government kinda looks down a little bit on that because just, you know, spam calling people from surveys and trying to sell them things is... It's kind of the old Wild West of the way the industry used to be.","start_word":3241,"end_word":3282,"sentiment":"negative","sentiment_score":-0.3807953596115112},{"text":"Yep. So pretty well frowned upon, but, look, people do need advice, and it's just trying to make sure you've got the right fit at the end of the day. Yeah. Now I had a bit of a, like, a retirement goal with him as well, And I wanted to just kind of ask you the lifestyle. You mentioned pay off the mortgage, do some holidays, some travel, and so on. Have you Yep. thought about how much you would need as a couple or individually to live No. I just don't even see it possible to live off anything other than what we earn right now. on? It seems so bizarre to think about not having Yeah. weekly income. It does. So one of the cool things about retirement, not to sort of just throw in so far down the track, but while you're earning an income, obviously, you're being taxed. Right? Mhmm. So let's say you're earning the, you know, $1.30, $1.40, or after tax, you're probably at 95, a 100 as an example. Yes. When you are in retirement, everything you're pulling out of super is tax free. So to get the same income, you don't need to have an... That much coming out because there won't be any taxes. Yep. And then if you chop off the mortgage, do you know what your repayments are around about? I actually don't know. Mick does everything. That's okay. I can get that from him. But, essentially, let's say, $500,000 mortgage. So let's say you're paying 700 a week and that mortgage is now cleared, well, you don't need the tax anymore and you don't need the 700 a week for the mortgage. So it just Yep. kind Yep. of lowers how much you actually need to to live on, essentially. Yep. Yep. Now one of the things... Sorry. Go ahead. I don't know. I don't know. I really don't know how to work that out. That's okay. The the government gives you a bit of a guide, and they they do this big analysis across the whole country. And they say, oh, as a couple, like a comfortable lifestyle, you probably need about 70,000 as a couple for living expenses and some general holidays. And then you just kind of go up from there, if that makes sense. Jesus. 70,000. Does seem a bit low, doesn't it? It really does.","start_word":3283,"end_word":3684,"sentiment":"neutral","sentiment_score":0.06588753690915321},{"text":"It does. It does.","start_word":3685,"end_word":3688,"sentiment":"positive","sentiment_score":0.3671095073223114},{"text":"And it's also a generational thing too. There's a lot of people who never had any super, and they just wanna get a bit more than the age pension. Yeah. I'm assuming you probably don't wanna be living off Centrelink through your sixties and seventies. Absolutely not. No. No. So what we essentially do is we go, okay. Well, what about a thousand dollars a week each after tax if Each you have the best? sounds Yeah. okay. So we go no mortgage, a thousand dollars a week, and then, like, a few holidays mixed in, you know, maybe one or two a year. We probably can't do five How does that sound? Yeah.","start_word":3689,"end_word":3802,"sentiment":"neutral","sentiment_score":0.008850868791341782},{"text":"That's good. Cool.","start_word":3803,"end_word":3805,"sentiment":"positive","sentiment_score":0.4629898965358734},{"text":"So I can kind of use that as a bit of a northern star to guide towards over the projections and everything. Mhmm. Mix in a few holidays. One thing I have to be very careful on is... I don't know if you've heard, like, in the news a lot. They're always throwing the word inflation around a lot. Mhmm. So cost of living keeps going up. Generally speaking, we need to factor in that in fifteen years' time, a thousand dollars a week won't buy what it currently does, if that makes sense. Mhmm. Which isn't much these days either. So No. And then on top of that, inflation's higher than usual. Usually, it's like two or 3%, and now we see it's four, five, six.","start_word":3806,"end_word":3932,"sentiment":"neutral","sentiment_score":-0.13694953707259472},{"text":"So that thousand dollars a week is kind of plummeting in what it can buy.","start_word":3933,"end_word":3947,"sentiment":"negative","sentiment_score":-0.4721933901309967},{"text":"So if you're comfortable, just as an idea, I would probably aim for, you know, 1,000 each with no mortgage in Yep. today's dollars and factor in what that would look like in fifteen years. Yep. How's that sound? Yep.","start_word":3948,"end_word":3987,"sentiment":"neutral","sentiment_score":0.015995796769857407},{"text":"Perfect. Cool.","start_word":3988,"end_word":3989,"sentiment":"positive","sentiment_score":0.44492825865745544},{"text":"Okay. So beyond that, I can look at a little bit of a like for like comparison. I don't really see too many issues with that life insurance that you mentioned and the TPD and and whatnot, unless you wanted me to do some quotes for, you know, income protection or trauma insurance. I don't think Cool. So so. I'll do a little bit of a like for like on that one, we call it. Estate planning wise, I guess I kind of already know the answer, but who are you wanting to leave the the super and the life insurance to? Will if Michael still around? Did it be him, miss Miller, to be my children? Right. And you guys have... Is it three three children? Three kids. Yep. Three kids. Was it one dependent, two out of home? Two live here, but one's... The other one that lives here is 21. Okay. So two So over it's 18, 11, 21, and 24. 11, 21, and 24. Is there anything that you would like to factor in for for the kids? Mhmm. K. Not doing any investing so they can get a house or anything crazy like that? I would love for that to happen, but... No. So focus on the mortgage first, and then once that's done, then we can talk about other things. Yeah. Yeah. No. That's totally fair. Did you guys end up getting, like, a will and a power of attorney put in place? Is that something that you feel like you should put in place? Yeah. Probably. Cool. I'll give you a little bit of a tip there. I think we sent some some documents through to to Nick for Oh, okay. a referral. Not Yep. sure if he still has those there, but we can always send those through again. Might give you a bit of a helping hand. Yep. Cool. Cool. Can I grab from you as well just quick? I'm just looking at the details I've already noted down. Your employer... Your employee's name, if I could grab that, please. It's project make lemonade. Lemonade.","start_word":3990,"end_word":4343,"sentiment":"neutral","sentiment_score":-0.004559907462384741},{"text":"Very cute name. I like it.","start_word":4344,"end_word":4349,"sentiment":"positive","sentiment_score":0.7036060094833374},{"text":"How are they to work for? Okay. Pretty Yeah.","start_word":4350,"end_word":4358,"sentiment":"neutral","sentiment_score":0.18133103847503665},{"text":"Pretty good.","start_word":4359,"end_word":4360,"sentiment":"positive","sentiment_score":0.4499485492706299},{"text":"good. Asset liabilities. Anita, have you ever gone through a bankruptcy or debt agreement before? Yep. Love to hear. And when you went through with the guys to get that initial advice, did you have any conversations with them in terms of health question Mhmm. for the No. I don't insurance side think of so. things. K. One thing I will let you know is that when it comes to insurances, if you were to switch super funds Mhmm. and try and replace that policy with the life and TPD that you were saying, you would Mhmm. go through an application, and they would go through health history. So if you Okay. have had this diagnosed, any medication, things like that, what Yep. tends to happen is if you have any preexisting conditions, let's say, you can get things like exclusions where they say, oh, you've had a knee reconstruction, so we're gonna exclude your knee, and you can't actually claim on that Mhmm. if something were to happen to you. Does that sort of make sense? Yep. Do you... Are you comfortable for me to ask you some of those questions tonight, or would you prefer further down Yeah. the Yeah. line? That's fine. Cool. So the main thing I would ask is in terms of any current medications. I take CBD gummies. Okay. And is that for anything kind of pain related or mental health related? No. She's just sleeping. Sleeping.","start_word":4361,"end_word":4603,"sentiment":"neutral","sentiment_score":-0.013592236249903102},{"text":"Okay. Cool.","start_word":4604,"end_word":4605,"sentiment":"positive","sentiment_score":0.3808392286300659},{"text":"They will always ask the following questions about sleeping. You know, is there sleep apnea there, anything like that, any conditions that it's linked to, or is it just a sleep aid? Just to help me get to sleep. Yep. Get to sleep.","start_word":4606,"end_word":4648,"sentiment":"neutral","sentiment_score":0.0987243428826332},{"text":"Perfect.","start_word":4649,"end_word":4649,"sentiment":"positive","sentiment_score":0.46521252393722534},{"text":"Have you ever been hospitalized or any major injuries? No. Fantastic. And have you ever been diagnosed with any any kind of condition? I suffer migraines. Migraines. Migraines. That is always a fun one. Not to go too deep into it, but the insurers, for some odd reason, they absolutely hate migraines or at least untreated. I know my sister in law's got, like, a piercing in her ear to help reduce migraines Mhmm. things like that. Have you ever been, I guess, recommended to go see, like, a neurological specialist to do with the migraines? I've seen specialists. Yeah. I K. was on medication for it, but the CBD helps, so I don't need it. Perfect. So that's all kind of linked together a little little bit. Sort of it. It just helps. Like, it wasn't prescribed for that, but it helps. Yeah. No worries. So there was a specialist before. Was that, like, the last five years, or was that Oh, ten, fifteen this years bracelet ago? is probably over ten years ago. Over ten years ago. So when they go through that, they usually get some some doctor's reports not to try and make it the the hardest thing in the world. But when they do that, was there any recommendations from the doctors about follow-up treatments or surgeries? No. Perfect. So what I usually do from there is NDIS support worker is, I guess, your occupation rating. That affects the price. So we'll call around all the insurers. We'll see who was recommended already, see if I can find someone that gives you the best price for your occupation. And then it's basically just a call around regarding migraines, which we do anonymously. We actually call the insurers up and say this is what's going on. They may ask us a few follow-up questions, and we may need just a little bit more details from you as well.","start_word":4650,"end_word":4971,"sentiment":"neutral","sentiment_score":0.005348611420587353},{"text":"Perfect.","start_word":4972,"end_word":4972,"sentiment":"positive","sentiment_score":0.4453538656234741},{"text":"Failing that, there is also things like transfer of insurances. So if there's an issue where they wouldn't cover you for something, you can possibly even just transfer your insurances across as they are, and it may be far cheaper than what you're currently paying as well. Yep. Would you be comfortable for me to look into that as an option? Yeah. The insurance Cool. is only three heads together. Right? Yeah. Correct. And through HESTA, what they've got is, like, one of the major five insurers offer the cover through the super fund, and that can actually be, like, captured and moved across to, for example, a MyNorth or a Hub twenty four or somebody. Yes. I know MyNorth is actually releasing their own transfer of insurances in, I think, November. So that Okay. may be coming up there as well. Yes. Cool. Alright.","start_word":4973,"end_word":5117,"sentiment":"neutral","sentiment_score":0.05721968784928322},{"text":"So I've got a pretty good idea of the situation there.","start_word":5118,"end_word":5128,"sentiment":"positive","sentiment_score":0.3836252689361572},{"text":"Are you able to possibly take down our email address to send through that advice document to us? Mhmm. Yep. If you do have maybe, like, a notes app on the phone or a pen and paper handy, just let me know when you're Yeah. when I've got you're a ready. pen. Perfect. I'm So ready. we go research. Yep. And then this one's a bit of a mouthful, but it's at oakviewfinancial.com.au. So oakviewfinancial.com.au.","start_word":5129,"end_word":5203,"sentiment":"neutral","sentiment_score":0.10289205610752106},{"text":"Perfect.","start_word":5204,"end_word":5204,"sentiment":"positive","sentiment_score":0.4008082151412964},{"text":"So what I'll basically be doing is just having a look at what was in there, do some comparisons, and see if there's something that kind of links in for you guys as a couple where I can maybe Mhmm. get you some extra benefits there. Yep. And then we would pretty much just book in for a statement of advice presentation. You probably would have had that with the other guys where they walk you through the documents maybe with Nick on Mhmm. the phone. Is that what happened? Yeah. Yep. So maybe a similar thing like that. Usually takes me about fifteen minutes Okay. or so.","start_word":5205,"end_word":5312,"sentiment":"neutral","sentiment_score":0.17116684497644505},{"text":"Cool.","start_word":5313,"end_word":5313,"sentiment":"positive","sentiment_score":0.39550918340682983},{"text":"Any questions for me so far, Anita? No. Cool. I was just gonna double check before I kind of wrap up my side of things. Is Mick available still to go through anything tonight, He's or is that kind still of in in there on his meeting. --?","start_word":5314,"end_word":5361,"sentiment":"neutral","sentiment_score":0.04391990974545479},{"text":"Oh, poor guy. He's gonna have a rough night.","start_word":5362,"end_word":5370,"sentiment":"negative","sentiment_score":-0.5427289605140686},{"text":"One thing I'll do, if it's possible, is maybe just let Mick know that the the old spouse contributions are probably not the go just based Yep. on your income. Yep. But there are obviously the couple's discounts for both Oakview and with certain super funds that I'll look into to for both of Okay. Easy. you So I'm just writing guys. it and just... And the last Okay. thing too is we do have to go through just a little bit of a updated review for him as well because there was just a few things that he had spoken to one of the advisers about recently, and Yep. we just wanted to kind of run through any updates to his circumstances, which obviously I can't talk about because I haven't gone through security with him yet. Yep.","start_word":5371,"end_word":5509,"sentiment":"neutral","sentiment_score":-0.008157112635672092},{"text":"So if you can let him know, that'd be fantastic. Easy. Cool.","start_word":5510,"end_word":5521,"sentiment":"positive","sentiment_score":0.4845390319824219},{"text":"Basically, from here, I'll just wait to get that email through. I'll give it to the team to analyze, and we'll get you booked in after that. Okay. Is there anything else that I can help you with? No. That's it. I'll try and find the email now and get through to Yeah.","start_word":5522,"end_word":5574,"sentiment":"neutral","sentiment_score":0.14741966128349304},{"text":"That'd be great.","start_word":5575,"end_word":5577,"sentiment":"positive","sentiment_score":0.5216370820999146},{"text":"Do you want me to hang around on the phone for you. a couple more minutes for Mick, or do you think that kind of helps enough tonight? Not that I'm in a rush to get off the phone at all. I've got a whole, you know, hour, hour and a half booked out for you guys.","start_word":5578,"end_word":5634,"sentiment":"neutral","sentiment_score":0.09115644544363022},{"text":"I'm totally happy to wait on hold or whatever he needs.","start_word":5635,"end_word":5645,"sentiment":"positive","sentiment_score":0.5637959837913513},{"text":"Let me just have a look.","start_word":5646,"end_word":5651,"sentiment":"neutral","sentiment_score":0.21074742078781128},{"text":"Thank you.","start_word":5652,"end_word":5653,"sentiment":"positive","sentiment_score":0.460759162902832},{"text":"289872. Nope. Still going. No. I I couldn't tell him he's gonna be, but he's still in the meeting. That is okay. So what I might do is I will kind of build you a file on our system just so all the information is there that we've talked about today. Yep. And I would just reach out or send Mick an email, text message just to let him know that I'd like to sort of do a catch up with him as well, and Yeah. Easy. and then we can go from there.","start_word":5654,"end_word":5747,"sentiment":"neutral","sentiment_score":0.13662505518407264},{"text":"Okay. Thank you so Awesome, much. Anita. Thank you so much for your time tonight. I really appreciate it. You too. Alrighty. Talk to you soon. Thank you.","start_word":5748,"end_word":5775,"sentiment":"positive","sentiment_score":0.6954963207244873},{"text":"Okay. Bye. Bye. Bye.","start_word":5776,"end_word":5779,"sentiment":"neutral","sentiment_score":0.2175695151090622}],"average":{"sentiment":"neutral","sentiment_score":0.04110192658941475}}}}