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Is now still a good time there for you? Fantastic. How's your morning been so far? Oh, no. Wow. How did that go? Back to school. Yeah. I bet. All good, Caitlin. Before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Beautiful. Thank you so much for that. So, Caitlin, I do normally send through a a copy of the annual review documents to your email. Are you able to access them at the moment? If you can't, that's honestly okay. No. That's okay. That's alright. And you've finished school drop off. Everyone's at school and ready for the day? Yeah. All good. If anything pops up and you need me to stop, just let me know, but I'll try not to take up too much of your time there. Okay? All good. So firstly, I'll go through your sleep. I have a bit of look at how that's been performing. I have sort of looked at some advice that we can provide to maybe update some things for you as well, which is great. But is there anything specific aside from, you know, how everything's been tracking that you wanted me to touch on or any specific questions you wanted me to answer as part of your review? No. That's okay. Beautiful. Well, having a bit of a look back at your review last year, your balance within your hub 24 super then was a 117,991 and 97¢ there. So looking forward to this year's review, your current balance is a $148,037.86 there. So you have had a lovely increase When we look at yeah. You're right? No. That's fantastic. It hasn't been happening. No. So when the reporting to the ACO happens, it doesn't happen on a very regular basis. They only realistically report once every quarter or once every six months depending on what the requirement is for that specific fund. So the reporting should be happening around about the end of June each year. Sometimes, hub twenty four don't report the end of financial year until sort of mid July. So there is always a bit of a delay in the reporting side of things. So if you ever are unsure of how things are going, you're welcome to give us a call. Let us know. Do you have access to your hub twenty four? Do you log in there very often at all? Yeah. Absolutely. And you've got a lot of time. You're still so young. You can't access super at this point to the age of 60. So just letting it go for the next year, thirty odd years is important. Easy. So no. And that's absolutely okay. Yeah. Absolutely. Absolutely. And, look, I have had a really good look at things. Obviously, having a look at your super, I've gone through all the individual investments there. You have sort of had these investments for a couple of years now, so they have been working really well. As a whole, when we look at your total portfolio after the past twelve months, you have returned a return of about 5.37% net of fees. So it's earnings and income of over $10,000 in the last twelve months, realistically. And I'm just double checking the portfolio you're in. It looks like you're in more of that gross kind of space there, but I'm just double checking. Sorry. It's still early morning. Computer's a little bit slow. There we go. So, realistically, having a look at all the individual investments there, they are and have tracked a little bit lower than where I would sort of like for the year, But with what has been sort of reported between The US and Iran war, it hasn't there has been a lot more volatility this year out of the markets as well. So a lower return is expected, and I'm still happy that you got a positive return after the last 12 there, but still would like to see more of a return on your side of things. I will go through and just double check your risk profile with you shortly just to make sure that it is all comfortable for you. But I'm just logging into your fund to have a look at the portfolio that you're in with regard to which one it is. And my computer's a little bit slow. Sorry about that. Zero two four. There we go. Perfect. So having a look at where things are, yeah, you are in that growth sort of area. So that sort of portfolio generally sees about 80% of your super invested in growth assets. So looking at things like Australian shares, international shares, listed property is also generally in there, and then also commodities like gold and silver. And you've definitely got some physical gold in there, which looking at your portfolio has returned over a 10 a 10% return for the year. So it is really good. It has been working nicely, and you've come up with a positive. But I have seen one or two of your investments that are slightly underperforming a little bit, and I think it is time to make sure things are updated on a regular basis there for you. And we just maybe switch out some of those investments. Are you comfortable with me going back, reviewing those, and maybe making an updated recommendation to switch them out, maybe look at a portfolio that's performing better for you? Yep. Fantastic. With that growth kind of environment, we are sort of tracking to try and obtain a return of around about seven to 9% on an annual basis, but with the expected volatility, you can see in the market. So when we see really good returns out of this sort of a portfolio, you can be expecting an extra 14 sorry, an extra 11% on top of the expected seven to 9% return. However, in downtime, because you are kind of taking a little bit more risk in the market, you can also see a negative 11% under that 7% return as well. So it's about understanding the volatility and the expected highs and lows that you could see within this sort of a portfolio and just making sure you're comfortable with it. Realistically, for your age and stage, because you can't access super, you know, until the age of 60 at this point, that sort of environment suits your time horizon. For your age group, we'd normally like to see you with that growth or high growth environment because you can take on more risk now, go through the downtimes, and you're not accessing the super. So it is a good place for you to definitely be. I do wanna have a look and maybe remove some underperforming investments there for you and just maybe update the the projection outcome for you so you can sort of see based on our recommendations, your current, and what I'm gonna recommend for you, where that's projected to look like over the next five to ten years for you. Does that sound okay? And do you have any questions? Yeah. Beautiful. Excellent. Well, I'll go back and do some research around those investments, maybe swap them out. One of the things that I did sort of wanna check-in with you is that within your portfolio, one of the underlying investments that is underperforming is called the Benelon Australian Equities. Now that was originally put into your portfolio because they're more of an actively managed fund. It's an active manager. The manager of that fund is trying to outperform against the market, so they should be buying and selling and picking and trying to time the market. Active managers, when you have those in your investments, they can cost a little bit more in management fees and things like that. Did you want me to look at keeping a bit of active management in your portfolio, or did you wanna just look at a more of a low cost portfolio, try to save on investment fees and things like that? What would you prefer? That's it. Yep. No. That's okay. I can look at both for you, look at the the fees, the outcome, the overall, what that looks like for you. I also take into account CGT consequences. So because like just like you and I, your super fund does a tax return every year. So when we do switch investments and buy and sell, your super fund does have to account for income tax and CGT tax and things like that. So I can look at ways to minimize the tax side of it for your fund, but also look at what's been performing better, the fees, and what's gonna put you in a greater position long term and maybe make that recommendation for you. Does that sound okay? Yep. Beautiful. Fantastic. I've got a couple of options for investments to swap out, so I'll look at doing that. It'll take just a couple of weeks to put that advice together, but then we'll come back and I'll go through it with you. Okay? Fantastic. Now the other thing I do have here is your insurances. So at the moment, you've got your MetLife policy there, and it shows the current sum insured of your insurances. Your life and TBD is showing about 525,000 there. If in the event of you passing away currently, you've got the 525,000 of life cover plus your super balance is paid out to your beneficiaries as well. So it sorta gives you a total of about 673,000 at the moment total between your super and your life cover. Just looking at your debt, so even the event that that was to occur, you know, that would obviously pay off your debt. Your mortgage, I had noted at about 235,000. Have you been able to reduce that since last year at all? Okay. So about $2.25 roughly. If we looked at yeah. I know. And they keep going up, right, they answer. If if you were to look at your sleep and your life insurance is that if you were to pass away, the amount that is $6.73 would pay off the mortgage for you, leaving your family completely debt free, and then leave roughly about 447,000 available after that. Does that feel like a comfortable amount for you? Did you wanna look at altering or reviewing that? Yep. Yep. Yeah. Absolutely. What's your income at the moment? I had you earning about 57,000 last year. Has that changed? Or yep. Yep. So if we look at what have we had left over, say, that 447,000 and divide that by about 80,000 on a yearly basis, it essentially then the amount leaves about five years five and a half years worth of current income replacement for your for your young son there as well. So does that sound sufficient for the moment? Did you wanna sort of look at increasing that? Keeping in mind that the mortgage is gone, realistically, that income, whilst it covers five and a half years of current income replacement, could obviously expect be extended out. So sorry. Be extended out because, realistically, you know, family members could live on a little bit less to look after your child. So that could last about ten odd years of income replacement for your family. Does that sound sound appropriate? Or if it's not, you're welcome to let me know. Yep. That's absolutely fine. If you discover that you do kind of wanna have that altered or changed, please let me know. I'm more than happy to, you know, have that conversation. You're not limited to one per year if you, at some point, decide that that's not quite appropriate. You don't want that amount. You wanna look at altering it, just let me know. We can always come back and have that conversation. Okay. Beautiful. Now you do have with total permanent disability the same level of cover. So it's a 575 sorry. $525,000. But then, obviously, with your PPD, a lot of people aren't sort of aware, but we also do access or can access your super under permanent incapacity as well. So you can receive your super benefit paid out. Again, that does give you about $6,673,000 there. One of the things I do kind of like to make sure you're aware of is that TBD, if in the event that you claim on total permanent incapacity, and you're under the age of 60, if you take the amount out of super, it's actually taxed up to twenty two percent. It's horrible, and I don't like it in any way, shape, or form. It's taxed. Yes. Yeah. It is really horrible. Absolutely. If anything ever comes up and you feel like you might need to access it, come and have that chat with us first because, yeah, it is unfortunately, a lot of people aren't aware. And it's not sort of known when you kinda fill out the forms to do to access your super and things like that. A lot of people aren't told, and then all of a sudden, they've drawn money out. There's, you know, a big debt coming or there's extra money that's missing, and there's a tax bill or something like that. So it is something that's not well known, but the same thing happens under total incapacity, and I dislike that in any way, shape, or form. I think if you are unable to ever go back to work again due to disability, the last thing the government should be doing is taxing the payment for you. But given your current level of cover, the tax is up to 22%. It can be lesser, and there are things that we can do. If you were to claim on TBD, I would look at providing financial advice on how to limit the tax for you, but also make sure you get the benefit to last as long as possible as well because a lot of people in that instance take out a lump sum, the whole amount, and then the money's gone within about twelve months. So it is really important to kinda keep that money lasting as long as possible. Based on the 22% tax, it does mean out of the total benefit, if you were TPD today, and you took the full lump sum, the tax is roughly 148,000, which means that at the end of it, you could be left with about $524,009.69. It does lessen the benefit amount. That, again, if you were TPD'd, could pay off the mortgage you have there. So if we subtract the $2.25, that then leaves you about 299,000, which if you were, say, live on 50 or $60,000 a year, because you could still obviously get your fortnightly Centrelink payments and things like that, would last you with about four to five years worth of income replacement. Did you want me to kind of reassess the TPD, or do you feel like that's comfortable at the moment for you? Mhmm. Absolutely. Not a problem. And the other thing with these policies, they are staffed. So they do increase in cost every year, but it also goes through a renewal period, and the amount you're insured for increases in time along with CPI. So the good thing is you do get little increases on the amount you're insured for each year, so it does continue to grow. The downside of that is that the cost of the insurances will continue to increase as well. Okay. Yep. Beautiful. With your income protection benefit, your current insured amount is a pretax 200 sorry. $2,998 as a monthly benefit there. Income was you're earning about 60,000. With income protection, if you are receiving any kind of Centrelink, what happens with an indemnity policy, which is the type of policy you have, is that at claim time, they will ask for all the medical evidence to show you you're unable to go back to work. They will also then ask for any additional income evidence, so payslips or tax returns. They also find out whether you're eligible for Centrelink and things like that. They take your total income that you've earned prior to you being off work. And if you're receiving any regular Centrelink payments or any other offset payments, say, from workers' compensation or annual leave or sick leave, things like that, that can reduce the amount that you are covered for. So they sort of assess it that way. Your income, you kind of mentioned, is about 80,000 with the Centrelink side of things. How much are you just earning in your part time role in child care? Oh, so sorry. It's a government administration. I do apologize. I read the wrong line. My sorry. No. No. You're fine. I read the wrong one. You've got diploma in child services. Yeah. Working about sixty thousand? Yep. That's okay. So 60,000. Perfect. So with income protection, you can be covered for up to 70% of your pretax income. If we looked at the full 70%, it would show that you would need to have a monthly benefit of about 3,500. That's pretax because with income protection payments, income tax is also deducted out of the amount. So, realistically, on a monthly basis, you could expect about $3,000 to be paid out of that. With the current cover you have, it has a monthly benefit of $2,998. It is just slightly under the amount. So you are slightly underinsured there, but in the event of you being unable to go to work and meeting the ninety day waiting period, you could say realistically get about 2,500 as a monthly benefit and then also receiving your Centrelink on top of that. Does that feel appropriate? Does that feel like it would cover most of your expenses, or how do you feel about that amount? That would be okay? Yep. That's absolutely fine. Yeah. It's hard to know unless you're actually off work and on a claim. That's probably the worst time to have to think about that sort of thing, but it's always just kind of working out, am I comfortable with this now? If I wasn't a claim, would that be appropriate? Keeping in mind, Centrelink is indexed on a regular basis as well. So it is due to be reassessed and indexed again in September this year, so you your payments could continuously go up there as well. Okay? Excellent. Now you do have a five year benefit and a ninety day waiting period on the income protection policy. It just means you have to be offered ninety days prior to making a claim. I always let everyone know that if you are going to make a claim or you're off work, let us know at the first instance. That way, we can let the insurer know, and that starts the waiting period so we can get the claim forms ready to go. And then at that ninety days, they can all be filled out and submitted to the insurer. It makes the claims process much smoother for you. Okay? And then a five year benefit period is a great benefit period. While most income protection claims are finished within the first sort of one to two years, a five year benefit period does mean that you can be off work and on a claim for up to five years, and that's including a partial claim. So some people can, depending on the end injury or illness, go back to work, and be working one, two, or three days a week part time or casually and still receiving some money from the claim. So it does just sort of help to reduce the risk of that occurring and you're not being able to receive any additional funds there. Okay. With the policy out of super this year, you paid $554.44. The policy is nice and cheap at the moment, but it will get more expensive over time. So we'll just keep reviewing it with you, and keep making alterations as we need to, as your life changes, as the it's appropriate to do so. Does do you have any questions? I'm sorry. I do go through a lot of information with that, but is there anything that's come up question wise? No? Beautiful. All good. Now I can also see here you are also currently salary sacrificing about a $120 and 26 per fortnight into super on top of your employer contributions, that is a great amount to be doing. It does start you well, and that compounding over the next twenty to thirty years is only gonna benefit you and your super. Are you fairly comfortable with that amount? Did you wanna review the salary sacrifice amount, or are you happy just to keep it as it is? Yep. Fantastic. I'll note your income down here as being about 60,000 from employment. Is that you're comfortable with me noting that down there? Would you wanna change that figure at all? That sounds okay. Beautiful. And I have found here that you were able to save about a $150 on a weekly basis. Are you putting away any sort of dedicated savings, or is money a bit tight with the mortgage and the increase in interest rate? Fantastic. Lovely. Lovely. Lovely. And you've only got one child? Lovely. I had done here that he was four in May last year, so he'd be five now? Wow. That's incredible. Oh, wow. They grew up so fast. My son just turned 10, and it was a little bit hard knowing it's the last time I'll ever have a 10 year old. It is. I know. And it's such a fun age between the ages sort of three to, like, 11. They're not in that teenager phase yet, but they're still able to do everything, have fun, and you don't have to carry too much baby stuff around with you anymore. Beautiful. We've double updated the mortgage there for you. So you've got about 10,000 less than you had last time there. With the main primary residence, would you change the valuation? We had it valued at about 400,000 last year. Would you update or alter that or change that valuation? Mhmm. Okay. Beautiful. That's excellent. Lovely. And I had your car down here. What kind of car do you drive? That's okay. I had it at 6,000 last year. Would you drop it to maybe $5.5.5, or a little bit less? Yep. Beautiful. No. That's okay. Oh, that's good. Yes. And savings wise, we had you had about 10,000. And if you're still managing to put dedicated savings away, has that gone up a little bit? Or 10,000. Yep. That's absolutely fine. Yep. Absolutely. Perfect. I had done here goals as well that over the next sort of five years, you were looking to proceed with IVF and have another child. Is that still a goal that you're looking to do down the track, or have you started that? Oh, I'm so sorry. Yeah. Is there a lot yeah. It's a lot to go through to do that. I completely understand. I've got friends who are doing it at the moment, and it's a very emotional time to go through. Are you how did you kinda go after? Because I know it's very sad and a very emotional time, but are you planning to kinda try again down the track, or you just get taking some time for yourself at the moment? Or Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. We have with those. Absolutely. Absolutely. I also had it noted down here that, obviously, paying down the mortgage is a big goal in the next sort of five years. Do you have a goal amount that you're trying to sort of pay the mortgage down by, or are you just adding extra onto it and sort of seeing how much you can chip away? Yep. Beautiful. Yep. Which is fantastic. Extra payments. Beautiful. Over time and go and this is a long time that the tracking could absolutely change, but you wanted to be fully debt free to have the house fully paid off by the time you access super. Would like to have a new car by that time, and also just wanted to travel to destinations like Europe and New Zealand, whenever you wanted to. Is that still fairly accurate unchanged? Yep. Beautiful. I had down here that you were hoping to access super by age 65. Are you still thinking that's the age you might want to that can change on the track and you don't have to decide now, but are you still sort of tracking towards that goal, or would you like me to make it the earliest opportunity, say 60? Yeah. That's that's honestly okay. Not a problem at all. I've confirmed your goal with your insurances. We've looked at what that is, and they still remain appropriate at the moment. But if anything changes there, do let me know. Just so you are aware, insurance wise as well, like, you've got life keeping the income protection, but there are other types of insurances. And, I mean, you can, essentially, with all the types of insurances out there, insure everything to the health, which costs us a a huge amount of money every year. But there are other types of insurance like trauma, which pays out a lump sum benefit in the event that you're diagnosed with a major traumatic condition, things like cancer, heart attack, strokes, neurological conditions like MS and Parkinson's are also considered in those. It is an out of pocket expense, and you can also get insurance like child trauma as well, which pay out lump sum tax free benefits in the event that your child is diagnosed with a major traumatic condition. So there are those other benefits, and other types of insurances that you can also obtain or apply for. Did you wanna look at maybe getting anything additional or you're happy just with what you've got there at the moment, not wanting to yeah. Beautiful. Fantastic. And down the track, if you decide you wanted to sort of put a put money away and start to invest for your son for his future as well. We do have access to other investments. So as licensed advisers, we look at your super insurance, it says, but we can provide advice in other areas. We have access to, like, child bonds and things, which is putting money into investment products for, you know, the next ten to twenty odd years to benefit your child down the track. So we can also help you in those areas, look at investing outside of Super if you're wanting to do that as well so that we can help to hopefully get you access to funds before 60 if you decide you wanna look at retiring earlier or just building your space in there elsewhere. So feel free to come back and let us know if there's other sort of goals or other, you know, investment opportunities that you do wanna look at as well. Okay? Excellent. The only other thing just to double check here is, the estate planning side of things. Now I can see you did have a will and power of attorney all set up. You are still comfortable. That still reflects your wishes. Yep. Beautiful. And just double checking with your beneficiaries here as well. So I have it down that you wanted a 100% of the beneficiary to be paid to Hayden, and you want that for your super and your life insurance. Is that correct? Yep. Beautiful. The beneficiary you have is a binding nonlapsing. It is honestly the best kind of beneficiary nomination. It binds the trustee to follow the direction, and non lapsing means you only have to fill that format once. We will just review it with you each year so that when and if you decide to have that updated, we can make sure that directive is followed for you. Okay? Excellent. In that DocuSign, you will see a copy of all the documents that I have gone through. So you've got your MetLife policy, the summary of Superann Insurance as your hub twenty four investment information as well. It's also got the ongoing service agreement there. So you do pay us an ongoing service fee of 1.65% per annum, and that is deducted in small sorry, monthly increments and deducted out of your super. If you're happy to stay on board and wanted to keep providing advice and looking after things, I'll just get you to sign and return that one back for me at your earliest opportunity. And in the meantime, I'll go back and do a bit of research around the super the investors, and I'll come back and update the recommendation for you. Okay? Excellent. Is there anything else that you think I might have missed or needed to touch on that your any other questions that might have come out of any of it? No? Excellent. And you're happy to sort of stay in that growth environment? Are you sort of wanting to look at reducing the risk level at the moment? Yeah. All good. I think one of yeah. I mean, realistically, with where you're at, it sort of suits your time horizon when you consider risk out of a number between one and five, five being the highest risk, one being the lowest. You're sort of sitting at about a three, so sort of in the middle range there. The only sort of question I wanted to double check is with if you saw the market fall in the next sort of, say, six to twelve months and it fell by, say, 20%, do you think you'd be feeling kinda concerned about that nervous, or would you sort of not be worried about the market falling knowing you're not accessing SuperNow? How do you think you might react? Yes. Yeah. Do you think you'd be likely to give us a call, maybe have a chat about what's happening, hold on, and just sort of wade through that downtime? Yep. Beautiful. And the yeah. You're right. Yep. Absolutely. And the last one I wanted to double check here was, have you ever considered borrowing in order to invest in shares or managed funds, or would you only wanna borrow from a financial institution in order to buy property, do you think? The second one? Beautiful. Do you wanna have any additional properties in the future? Are you happy with the one you've got? Are you wanting to invest in other areas? Yep. That's dead. Right? Yeah. Yeah. No. That's okay. That's absolutely fine. That's beautiful. Thank you so much for that. Well, look, I will let you go to enjoy your day. I hope your son enjoys his week back at school. Feel free to have a look at the email and just sign and return it back when you've got the opportunity to do so, and I'll go back and do some research there for you. My team will touch base in a couple of weeks and book you back in so we can go through the updated advice document together. Okay? Thank you so much for your time, Caitlin. Enjoy your day. Thank you. Talk to you soon. See you later. 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Caitlin. This is Dana from OQ Financial. How are you this morning? Very well. Thank you.\n\nWe had you booked in this morning to go through your annual review. Is now still a good time there for you? Fantastic. How's your morning been so far? Oh, no.\n\nWow. How did that go? Back to school. Yeah. I bet.\n\nAll good, Caitlin. Before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.\n\nBeautiful. Thank you so much for that. So, Caitlin, I do normally send through a a copy of the annual review documents to your email. Are you able to access them at the moment? If you can't, that's honestly okay.\n\nNo. That's okay. That's alright. And you've finished school drop off. Everyone's at school and ready for the day?\n\nYeah. All good. If anything pops up and you need me to stop, just let me know, but I'll try not to take up too much of your time there. Okay? All good.\n\nSo firstly, I'll go through your sleep. I have a bit of look at how that's been performing. I have sort of looked at some advice that we can provide to maybe update some things for you as well, which is great. But is there anything specific aside from, you know, how everything's been tracking that you wanted me to touch on or any specific questions you wanted me to answer as part of your review? No.\n\nThat's okay. Beautiful. Well, having a bit of a look back at your review last year, your balance within your hub 24 super then was a 117,991 and 97¢ there. So looking forward to this year's review, your current balance is a $148,037.86 there. So you have had a lovely increase When we look at yeah.\n\nYou're right? No. That's fantastic. It hasn't been happening. No.\n\nSo when the reporting to the ACO happens, it doesn't happen on a very regular basis. They only realistically report once every quarter or once every six months depending on what the requirement is for that specific fund. So the reporting should be happening around about the end of June each year. Sometimes, hub twenty four don't report the end of financial year until sort of mid July. So there is always a bit of a delay in the reporting side of things.\n\nSo if you ever are unsure of how things are going, you're welcome to give us a call. Let us know. Do you have access to your hub twenty four? Do you log in there very often at all? Yeah.\n\nAbsolutely. And you've got a lot of time. You're still so young. You can't access super at this point to the age of 60. So just letting it go for the next year, thirty odd years is important.\n\nEasy. So no. And that's absolutely okay. Yeah. Absolutely.\n\nAbsolutely. And, look, I have had a really good look at things. Obviously, having a look at your super, I've gone through all the individual investments there. You have sort of had these investments for a couple of years now, so they have been working really well. As a whole, when we look at your total portfolio after the past twelve months, you have returned a return of about 5.37% net of fees.\n\nSo it's earnings and income of over $10,000 in the last twelve months, realistically. And I'm just double checking the portfolio you're in. It looks like you're in more of that gross kind of space there, but I'm just double checking. Sorry. It's still early morning.\n\nComputer's a little bit slow. There we go. So, realistically, having a look at all the individual investments there, they are and have tracked a little bit lower than where I would sort of like for the year, But with what has been sort of reported between The US and Iran war, it hasn't there has been a lot more volatility this year out of the markets as well. So a lower return is expected, and I'm still happy that you got a positive return after the last 12 there, but still would like to see more of a return on your side of things. I will go through and just double check your risk profile with you shortly just to make sure that it is all comfortable for you.\n\nBut I'm just logging into your fund to have a look at the portfolio that you're in with regard to which one it is. And my computer's a little bit slow. Sorry about that. Zero two four. There we go.\n\nPerfect. So having a look at where things are, yeah, you are in that growth sort of area. So that sort of portfolio generally sees about 80% of your super invested in growth assets. So looking at things like Australian shares, international shares, listed property is also generally in there, and then also commodities like gold and silver. And you've definitely got some physical gold in there, which looking at your portfolio has returned over a 10 a 10% return for the year.\n\nSo it is really good. It has been working nicely, and you've come up with a positive. But I have seen one or two of your investments that are slightly underperforming a little bit, and I think it is time to make sure things are updated on a regular basis there for you. And we just maybe switch out some of those investments. Are you comfortable with me going back, reviewing those, and maybe making an updated recommendation to switch them out, maybe look at a portfolio that's performing better for you?\n\nYep. Fantastic. With that growth kind of environment, we are sort of tracking to try and obtain a return of around about seven to 9% on an annual basis, but with the expected volatility, you can see in the market. So when we see really good returns out of this sort of a portfolio, you can be expecting an extra 14 sorry, an extra 11% on top of the expected seven to 9% return. However, in downtime, because you are kind of taking a little bit more risk in the market, you can also see a negative 11% under that 7% return as well.\n\nSo it's about understanding the volatility and the expected highs and lows that you could see within this sort of a portfolio and just making sure you're comfortable with it. Realistically, for your age and stage, because you can't access super, you know, until the age of 60 at this point, that sort of environment suits your time horizon. For your age group, we'd normally like to see you with that growth or high growth environment because you can take on more risk now, go through the downtimes, and you're not accessing the super. So it is a good place for you to definitely be. I do wanna have a look and maybe remove some underperforming investments there for you and just maybe update the the projection outcome for you so you can sort of see based on our recommendations, your current, and what I'm gonna recommend for you, where that's projected to look like over the next five to ten years for you.\n\nDoes that sound okay? And do you have any questions? Yeah. Beautiful. Excellent.\n\nWell, I'll go back and do some research around those investments, maybe swap them out. One of the things that I did sort of wanna check-in with you is that within your portfolio, one of the underlying investments that is underperforming is called the Benelon Australian Equities. Now that was originally put into your portfolio because they're more of an actively managed fund. It's an active manager. The manager of that fund is trying to outperform against the market, so they should be buying and selling and picking and trying to time the market.\n\nActive managers, when you have those in your investments, they can cost a little bit more in management fees and things like that. Did you want me to look at keeping a bit of active management in your portfolio, or did you wanna just look at a more of a low cost portfolio, try to save on investment fees and things like that? What would you prefer? That's it. Yep.\n\nNo. That's okay. I can look at both for you, look at the the fees, the outcome, the overall, what that looks like for you. I also take into account CGT consequences. So because like just like you and I, your super fund does a tax return every year.\n\nSo when we do switch investments and buy and sell, your super fund does have to account for income tax and CGT tax and things like that. So I can look at ways to minimize the tax side of it for your fund, but also look at what's been performing better, the fees, and what's gonna put you in a greater position long term and maybe make that recommendation for you. Does that sound okay? Yep. Beautiful.\n\nFantastic. I've got a couple of options for investments to swap out, so I'll look at doing that. It'll take just a couple of weeks to put that advice together, but then we'll come back and I'll go through it with you. Okay? Fantastic.\n\nNow the other thing I do have here is your insurances. So at the moment, you've got your MetLife policy there, and it shows the current sum insured of your insurances. Your life and TBD is showing about 525,000 there. If in the event of you passing away currently, you've got the 525,000 of life cover plus your super balance is paid out to your beneficiaries as well. So it sorta gives you a total of about 673,000 at the moment total between your super and your life cover.\n\nJust looking at your debt, so even the event that that was to occur, you know, that would obviously pay off your debt. Your mortgage, I had noted at about 235,000. Have you been able to reduce that since last year at all? Okay. So about $2.25 roughly.\n\nIf we looked at yeah. I know. And they keep going up, right, they answer. If if you were to look at your sleep and your life insurance is that if you were to pass away, the amount that is $6.73 would pay off the mortgage for you, leaving your family completely debt free, and then leave roughly about 447,000 available after that. Does that feel like a comfortable amount for you?\n\nDid you wanna look at altering or reviewing that? Yep. Yep. Yeah. Absolutely.\n\nWhat's your income at the moment? I had you earning about 57,000 last year. Has that changed? Or yep. Yep.\n\nSo if we look at what have we had left over, say, that 447,000 and divide that by about 80,000 on a yearly basis, it essentially then the amount leaves about five years five and a half years worth of current income replacement for your for your young son there as well. So does that sound sufficient for the moment? Did you wanna sort of look at increasing that? Keeping in mind that the mortgage is gone, realistically, that income, whilst it covers five and a half years of current income replacement, could obviously expect be extended out. So sorry.\n\nBe extended out because, realistically, you know, family members could live on a little bit less to look after your child. So that could last about ten odd years of income replacement for your family. Does that sound sound appropriate? Or if it's not, you're welcome to let me know. Yep.\n\nThat's absolutely fine. If you discover that you do kind of wanna have that altered or changed, please let me know. I'm more than happy to, you know, have that conversation. You're not limited to one per year if you, at some point, decide that that's not quite appropriate. You don't want that amount.\n\nYou wanna look at altering it, just let me know. We can always come back and have that conversation. Okay. Beautiful. Now you do have with total permanent disability the same level of cover.\n\nSo it's a 575 sorry. $525,000. But then, obviously, with your PPD, a lot of people aren't sort of aware, but we also do access or can access your super under permanent incapacity as well. So you can receive your super benefit paid out. Again, that does give you about $6,673,000 there.\n\nOne of the things I do kind of like to make sure you're aware of is that TBD, if in the event that you claim on total permanent incapacity, and you're under the age of 60, if you take the amount out of super, it's actually taxed up to twenty two percent. It's horrible, and I don't like it in any way, shape, or form. It's taxed. Yes. Yeah.\n\nIt is really horrible. Absolutely. If anything ever comes up and you feel like you might need to access it, come and have that chat with us first because, yeah, it is unfortunately, a lot of people aren't aware. And it's not sort of known when you kinda fill out the forms to do to access your super and things like that. A lot of people aren't told, and then all of a sudden, they've drawn money out.\n\nThere's, you know, a big debt coming or there's extra money that's missing, and there's a tax bill or something like that. So it is something that's not well known, but the same thing happens under total incapacity, and I dislike that in any way, shape, or form. I think if you are unable to ever go back to work again due to disability, the last thing the government should be doing is taxing the payment for you. But given your current level of cover, the tax is up to 22%. It can be lesser, and there are things that we can do.\n\nIf you were to claim on TBD, I would look at providing financial advice on how to limit the tax for you, but also make sure you get the benefit to last as long as possible as well because a lot of people in that instance take out a lump sum, the whole amount, and then the money's gone within about twelve months. So it is really important to kinda keep that money lasting as long as possible. Based on the 22% tax, it does mean out of the total benefit, if you were TPD today, and you took the full lump sum, the tax is roughly 148,000, which means that at the end of it, you could be left with about $524,009.69. It does lessen the benefit amount. That, again, if you were TPD'd, could pay off the mortgage you have there.\n\nSo if we subtract the $2.25, that then leaves you about 299,000, which if you were, say, live on 50 or $60,000 a year, because you could still obviously get your fortnightly Centrelink payments and things like that, would last you with about four to five years worth of income replacement. Did you want me to kind of reassess the TPD, or do you feel like that's comfortable at the moment for you? Mhmm. Absolutely. Not a problem.\n\nAnd the other thing with these policies, they are staffed. So they do increase in cost every year, but it also goes through a renewal period, and the amount you're insured for increases in time along with CPI. So the good thing is you do get little increases on the amount you're insured for each year, so it does continue to grow. The downside of that is that the cost of the insurances will continue to increase as well. Okay.\n\nYep. Beautiful. With your income protection benefit, your current insured amount is a pretax 200 sorry. $2,998 as a monthly benefit there. Income was you're earning about 60,000.\n\nWith income protection, if you are receiving any kind of Centrelink, what happens with an indemnity policy, which is the type of policy you have, is that at claim time, they will ask for all the medical evidence to show you you're unable to go back to work. They will also then ask for any additional income evidence, so payslips or tax returns. They also find out whether you're eligible for Centrelink and things like that. They take your total income that you've earned prior to you being off work. And if you're receiving any regular Centrelink payments or any other offset payments, say, from workers' compensation or annual leave or sick leave, things like that, that can reduce the amount that you are covered for.\n\nSo they sort of assess it that way. Your income, you kind of mentioned, is about 80,000 with the Centrelink side of things. How much are you just earning in your part time role in child care? Oh, so sorry. It's a government administration.\n\nI do apologize. I read the wrong line. My sorry. No. No.\n\nYou're fine. I read the wrong one. You've got diploma in child services. Yeah. Working about sixty thousand?\n\nYep. That's okay. So 60,000. Perfect. So with income protection, you can be covered for up to 70% of your pretax income.\n\nIf we looked at the full 70%, it would show that you would need to have a monthly benefit of about 3,500. That's pretax because with income protection payments, income tax is also deducted out of the amount. So, realistically, on a monthly basis, you could expect about $3,000 to be paid out of that. With the current cover you have, it has a monthly benefit of $2,998. It is just slightly under the amount.\n\nSo you are slightly underinsured there, but in the event of you being unable to go to work and meeting the ninety day waiting period, you could say realistically get about 2,500 as a monthly benefit and then also receiving your Centrelink on top of that. Does that feel appropriate? Does that feel like it would cover most of your expenses, or how do you feel about that amount? That would be okay? Yep.\n\nThat's absolutely fine. Yeah. It's hard to know unless you're actually off work and on a claim. That's probably the worst time to have to think about that sort of thing, but it's always just kind of working out, am I comfortable with this now? If I wasn't a claim, would that be appropriate?\n\nKeeping in mind, Centrelink is indexed on a regular basis as well. So it is due to be reassessed and indexed again in September this year, so you your payments could continuously go up there as well. Okay? Excellent. Now you do have a five year benefit and a ninety day waiting period on the income protection policy.\n\nIt just means you have to be offered ninety days prior to making a claim. I always let everyone know that if you are going to make a claim or you're off work, let us know at the first instance. That way, we can let the insurer know, and that starts the waiting period so we can get the claim forms ready to go. And then at that ninety days, they can all be filled out and submitted to the insurer. It makes the claims process much smoother for you.\n\nOkay? And then a five year benefit period is a great benefit period. While most income protection claims are finished within the first sort of one to two years, a five year benefit period does mean that you can be off work and on a claim for up to five years, and that's including a partial claim. So some people can, depending on the end injury or illness, go back to work, and be working one, two, or three days a week part time or casually and still receiving some money from the claim. So it does just sort of help to reduce the risk of that occurring and you're not being able to receive any additional funds there.\n\nOkay. With the policy out of super this year, you paid $554.44. The policy is nice and cheap at the moment, but it will get more expensive over time. So we'll just keep reviewing it with you, and keep making alterations as we need to, as your life changes, as the it's appropriate to do so. Does do you have any questions?\n\nI'm sorry. I do go through a lot of information with that, but is there anything that's come up question wise? No? Beautiful. All good.\n\nNow I can also see here you are also currently salary sacrificing about a $120 and 26 per fortnight into super on top of your employer contributions, that is a great amount to be doing. It does start you well, and that compounding over the next twenty to thirty years is only gonna benefit you and your super. Are you fairly comfortable with that amount? Did you wanna review the salary sacrifice amount, or are you happy just to keep it as it is? Yep.\n\nFantastic. I'll note your income down here as being about 60,000 from employment. Is that you're comfortable with me noting that down there? Would you wanna change that figure at all? That sounds okay.\n\nBeautiful. And I have found here that you were able to save about a $150 on a weekly basis. Are you putting away any sort of dedicated savings, or is money a bit tight with the mortgage and the increase in interest rate? Fantastic. Lovely.\n\nLovely. Lovely. And you've only got one child? Lovely. I had done here that he was four in May last year, so he'd be five now?\n\nWow. That's incredible. Oh, wow. They grew up so fast. My son just turned 10, and it was a little bit hard knowing it's the last time I'll ever have a 10 year old.\n\nIt is. I know. And it's such a fun age between the ages sort of three to, like, 11. They're not in that teenager phase yet, but they're still able to do everything, have fun, and you don't have to carry too much baby stuff around with you anymore. Beautiful.\n\nWe've double updated the mortgage there for you. So you've got about 10,000 less than you had last time there. With the main primary residence, would you change the valuation? We had it valued at about 400,000 last year. Would you update or alter that or change that valuation?\n\nMhmm. Okay. Beautiful. That's excellent. Lovely.\n\nAnd I had your car down here. What kind of car do you drive? That's okay. I had it at 6,000 last year. Would you drop it to maybe $5.5.5, or a little bit less?\n\nYep. Beautiful. No. That's okay. Oh, that's good.\n\nYes. And savings wise, we had you had about 10,000. And if you're still managing to put dedicated savings away, has that gone up a little bit? Or 10,000. Yep.\n\nThat's absolutely fine. Yep. Absolutely. Perfect. I had done here goals as well that over the next sort of five years, you were looking to proceed with IVF and have another child.\n\nIs that still a goal that you're looking to do down the track, or have you started that? Oh, I'm so sorry. Yeah. Is there a lot yeah. It's a lot to go through to do that.\n\nI completely understand. I've got friends who are doing it at the moment, and it's a very emotional time to go through. Are you how did you kinda go after? Because I know it's very sad and a very emotional time, but are you planning to kinda try again down the track, or you just get taking some time for yourself at the moment? Or Yep.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. We have with those. Absolutely. Absolutely. I also had it noted down here that, obviously, paying down the mortgage is a big goal in the next sort of five years.\n\nDo you have a goal amount that you're trying to sort of pay the mortgage down by, or are you just adding extra onto it and sort of seeing how much you can chip away? Yep. Beautiful. Yep. Which is fantastic.\n\nExtra payments. Beautiful. Over time and go and this is a long time that the tracking could absolutely change, but you wanted to be fully debt free to have the house fully paid off by the time you access super. Would like to have a new car by that time, and also just wanted to travel to destinations like Europe and New Zealand, whenever you wanted to. Is that still fairly accurate unchanged?\n\nYep. Beautiful. I had down here that you were hoping to access super by age 65. Are you still thinking that's the age you might want to that can change on the track and you don't have to decide now, but are you still sort of tracking towards that goal, or would you like me to make it the earliest opportunity, say 60? Yeah.\n\nThat's that's honestly okay. Not a problem at all. I've confirmed your goal with your insurances. We've looked at what that is, and they still remain appropriate at the moment. But if anything changes there, do let me know.\n\nJust so you are aware, insurance wise as well, like, you've got life keeping the income protection, but there are other types of insurances. And, I mean, you can, essentially, with all the types of insurances out there, insure everything to the health, which costs us a a huge amount of money every year. But there are other types of insurance like trauma, which pays out a lump sum benefit in the event that you're diagnosed with a major traumatic condition, things like cancer, heart attack, strokes, neurological conditions like MS and Parkinson's are also considered in those. It is an out of pocket expense, and you can also get insurance like child trauma as well, which pay out lump sum tax free benefits in the event that your child is diagnosed with a major traumatic condition. So there are those other benefits, and other types of insurances that you can also obtain or apply for.\n\nDid you wanna look at maybe getting anything additional or you're happy just with what you've got there at the moment, not wanting to yeah. Beautiful. Fantastic. And down the track, if you decide you wanted to sort of put a put money away and start to invest for your son for his future as well. We do have access to other investments.\n\nSo as licensed advisers, we look at your super insurance, it says, but we can provide advice in other areas. We have access to, like, child bonds and things, which is putting money into investment products for, you know, the next ten to twenty odd years to benefit your child down the track. So we can also help you in those areas, look at investing outside of Super if you're wanting to do that as well so that we can help to hopefully get you access to funds before 60 if you decide you wanna look at retiring earlier or just building your space in there elsewhere. So feel free to come back and let us know if there's other sort of goals or other, you know, investment opportunities that you do wanna look at as well. Okay?\n\nExcellent. The only other thing just to double check here is, the estate planning side of things. Now I can see you did have a will and power of attorney all set up. You are still comfortable. That still reflects your wishes.\n\nYep. Beautiful. And just double checking with your beneficiaries here as well. So I have it down that you wanted a 100% of the beneficiary to be paid to Hayden, and you want that for your super and your life insurance. Is that correct?\n\nYep. Beautiful. The beneficiary you have is a binding nonlapsing. It is honestly the best kind of beneficiary nomination. It binds the trustee to follow the direction, and non lapsing means you only have to fill that format once.\n\nWe will just review it with you each year so that when and if you decide to have that updated, we can make sure that directive is followed for you. Okay? Excellent. In that DocuSign, you will see a copy of all the documents that I have gone through. So you've got your MetLife policy, the summary of Superann Insurance as your hub twenty four investment information as well.\n\nIt's also got the ongoing service agreement there. So you do pay us an ongoing service fee of 1.65% per annum, and that is deducted in small sorry, monthly increments and deducted out of your super. If you're happy to stay on board and wanted to keep providing advice and looking after things, I'll just get you to sign and return that one back for me at your earliest opportunity. And in the meantime, I'll go back and do a bit of research around the super the investors, and I'll come back and update the recommendation for you. Okay?\n\nExcellent. Is there anything else that you think I might have missed or needed to touch on that your any other questions that might have come out of any of it? No? Excellent. And you're happy to sort of stay in that growth environment?\n\nAre you sort of wanting to look at reducing the risk level at the moment? Yeah. All good. I think one of yeah. I mean, realistically, with where you're at, it sort of suits your time horizon when you consider risk out of a number between one and five, five being the highest risk, one being the lowest.\n\nYou're sort of sitting at about a three, so sort of in the middle range there. The only sort of question I wanted to double check is with if you saw the market fall in the next sort of, say, six to twelve months and it fell by, say, 20%, do you think you'd be feeling kinda concerned about that nervous, or would you sort of not be worried about the market falling knowing you're not accessing SuperNow? How do you think you might react? Yes. Yeah.\n\nDo you think you'd be likely to give us a call, maybe have a chat about what's happening, hold on, and just sort of wade through that downtime? Yep. Beautiful. And the yeah. You're right.\n\nYep. Absolutely. And the last one I wanted to double check here was, have you ever considered borrowing in order to invest in shares or managed funds, or would you only wanna borrow from a financial institution in order to buy property, do you think? The second one? Beautiful.\n\nDo you wanna have any additional properties in the future? Are you happy with the one you've got? Are you wanting to invest in other areas? Yep. That's dead.\n\nRight? Yeah. Yeah. No. That's okay.\n\nThat's absolutely fine. That's beautiful. Thank you so much for that. Well, look, I will let you go to enjoy your day. I hope your son enjoys his week back at school.\n\nFeel free to have a look at the email and just sign and return it back when you've got the opportunity to do so, and I'll go back and do some research there for you. My team will touch base in a couple of weeks and book you back in so we can go through the updated advice document together. Okay? Thank you so much for your time, Caitlin. Enjoy your day.\n\nThank you. Talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Caitlin.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.15022120624780655},{"text":"This is Dana from OQ Financial.","start":3.12,"end":4.74,"sentiment":"neutral","sentiment_score":0.16544379045565924},{"text":"How are you this morning?","start":4.88,"end":5.94,"sentiment":"neutral","sentiment_score":0.255619204044342},{"text":"Very well.","start":7.9199996,"end":8.4,"sentiment":"positive","sentiment_score":0.5680676996707916},{"text":"Thank you.","start":8.4,"end":8.88,"sentiment":"positive","sentiment_score":0.6484648883342743}],"sentiment":"neutral","sentiment_score":0.29436860890949473,"num_words":17,"start":2.48,"end":8.88},{"sentences":[{"text":"We had you booked in this morning to go through your annual review.","start":8.88,"end":11.2,"sentiment":"positive","sentiment_score":0.4052380919456482},{"text":"Is now still a good time there for you?","start":11.2,"end":13.299999,"sentiment":"positive","sentiment_score":0.37571783198250663},{"text":"Fantastic.","start":15.015,"end":15.495,"sentiment":"positive","sentiment_score":0.5626943111419678},{"text":"How's your morning been so far?","start":15.495,"end":17.355,"sentiment":"positive","sentiment_score":0.3584234317143758},{"text":"Oh, no.","start":20.375,"end":21.095,"sentiment":"neutral","sentiment_score":0.01581043377518654}],"sentiment":"positive","sentiment_score":0.36756165974563165,"num_words":31,"start":8.88,"end":21.095},{"sentences":[{"text":"Wow.","start":21.095,"end":21.415,"sentiment":"neutral","sentiment_score":0.0840548425912857},{"text":"How did that go?","start":21.415,"end":22.295,"sentiment":"neutral","sentiment_score":0.14565905556082726},{"text":"Back to school.","start":22.295,"end":23.195,"sentiment":"neutral","sentiment_score":0.19186760981877646},{"text":"Yeah.","start":26.79,"end":27.27,"sentiment":"neutral","sentiment_score":0.30667510628700256},{"text":"I bet.","start":27.27,"end":28.01,"sentiment":"neutral","sentiment_score":0.3204716444015503}],"sentiment":"neutral","sentiment_score":0.1990829353982752,"num_words":11,"start":21.095,"end":28.01},{"sentences":[{"text":"All good, Caitlin.","start":29.19,"end":30.09,"sentiment":"positive","sentiment_score":0.5077623724937439},{"text":"Before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes.","start":30.630001,"end":35.27,"sentiment":"neutral","sentiment_score":0.11186739951372146},{"text":"Are you happy for me to proceed with that?","start":35.27,"end":37.45,"sentiment":"neutral","sentiment_score":0.19150650749603906},{"text":"Fantastic.","start":38.895,"end":39.395,"sentiment":"positive","sentiment_score":0.5719558596611023},{"text":"And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":39.535,"end":45.555,"sentiment":"neutral","sentiment_score":0.24218691628554773}],"sentiment":"neutral","sentiment_score":0.20356577768254636,"num_words":67,"start":29.19,"end":45.555},{"sentences":[{"text":"Beautiful.","start":52.51,"end":52.989998,"sentiment":"positive","sentiment_score":0.5551875829696655},{"text":"Thank you so much for that.","start":52.989998,"end":54.53,"sentiment":"positive","sentiment_score":0.6422520081202189},{"text":"So, Caitlin, I do normally send through a a copy of the annual review documents to your email.","start":54.829998,"end":59.149998,"sentiment":"neutral","sentiment_score":0.16774888005521563},{"text":"Are you able to access them at the moment?","start":59.149998,"end":60.989998,"sentiment":"neutral","sentiment_score":0.06266142676273982},{"text":"If you can't, that's honestly okay.","start":60.989998,"end":62.769997,"sentiment":"neutral","sentiment_score":-0.07233166446288426}],"sentiment":"neutral","sentiment_score":0.1889535581693053,"num_words":40,"start":52.51,"end":62.769997},{"sentences":[{"text":"No.","start":65.695,"end":66.095,"sentiment":"neutral","sentiment_score":-0.11089760810136796},{"text":"That's okay.","start":66.095,"end":66.895,"sentiment":"neutral","sentiment_score":-0.05116012692451477},{"text":"That's alright.","start":66.895,"end":67.455,"sentiment":"neutral","sentiment_score":0.08680195733904839},{"text":"And you've finished school drop off.","start":67.455,"end":68.735,"sentiment":"neutral","sentiment_score":0.07542727266748746},{"text":"Everyone's at school and ready for the day?","start":68.735,"end":71.314995,"sentiment":"neutral","sentiment_score":0.12696281541138887}],"sentiment":"neutral","sentiment_score":0.07519222168545973,"num_words":19,"start":65.695,"end":71.314995},{"sentences":[{"text":"Yeah.","start":72.494995,"end":72.814995,"sentiment":"neutral","sentiment_score":0.09837634116411208},{"text":"All good.","start":72.814995,"end":73.215,"sentiment":"neutral","sentiment_score":0.1647552028298378},{"text":"If anything pops up and you need me to stop, just let me know, but I'll try not to take up too much of your time there.","start":73.215,"end":78.335,"sentiment":"neutral","sentiment_score":-0.04639577782816357},{"text":"Okay?","start":78.335,"end":78.835,"sentiment":"neutral","sentiment_score":0.006546320393681526},{"text":"All good.","start":80.55,"end":81.37,"sentiment":"neutral","sentiment_score":0.21669216454029083}],"sentiment":"neutral","sentiment_score":-0.011662685001889864,"num_words":33,"start":72.494995,"end":81.37},{"sentences":[{"text":"So firstly, I'll go through your sleep.","start":81.67,"end":83.83,"sentiment":"neutral","sentiment_score":0.12896076164075307},{"text":"I have a bit of look at how that's been performing.","start":83.83,"end":85.69,"sentiment":"neutral","sentiment_score":0.13710082186893982},{"text":"I have sort of looked at some advice that we can provide to maybe update some things for you as well, which is great.","start":85.91,"end":91.05,"sentiment":"neutral","sentiment_score":0.2674748580320738},{"text":"But is there anything specific aside from, you know, how everything's been tracking that you wanted me to touch on or any specific questions you wanted me to answer as part of your review?","start":91.270004,"end":99.265,"sentiment":"neutral","sentiment_score":0.026181364705895677},{"text":"No.","start":101.325,"end":101.565,"sentiment":"neutral","sentiment_score":-0.13965058326721191}],"sentiment":"neutral","sentiment_score":0.12442528287722886,"num_words":77,"start":81.67,"end":101.565},{"sentences":[{"text":"That's okay.","start":101.565,"end":102.445,"sentiment":"neutral","sentiment_score":0.10381211712956429},{"text":"Beautiful.","start":102.445,"end":102.945,"sentiment":"positive","sentiment_score":0.5937504768371582},{"text":"Well, having a bit of a look back at your review last year, your balance within your hub 24 super then was a 117,991 and 97¢ there.","start":103.485,"end":112.68,"sentiment":"neutral","sentiment_score":0.19447283188884074},{"text":"So looking forward to this year's review, your current balance is a $148,037.86 there.","start":112.68,"end":119.88,"sentiment":"neutral","sentiment_score":0.25723739500556675},{"text":"So you have had a lovely increase When we look at yeah.","start":119.88,"end":124.125,"sentiment":"neutral","sentiment_score":0.2579770612840851}],"sentiment":"neutral","sentiment_score":0.2282675746489655,"num_words":56,"start":101.565,"end":124.125},{"sentences":[{"text":"You're right?","start":124.505005,"end":125.245,"sentiment":"neutral","sentiment_score":0.01920527033507824},{"text":"No.","start":132.825,"end":133.065,"sentiment":"neutral","sentiment_score":-0.08390893042087555},{"text":"That's fantastic.","start":133.065,"end":133.80501,"sentiment":"neutral","sentiment_score":-0.20315666496753693},{"text":"It hasn't been happening.","start":134.16,"end":135.14,"sentiment":"neutral","sentiment_score":-0.18275301903486252},{"text":"No.","start":135.36,"end":135.76001,"sentiment":"neutral","sentiment_score":-0.1807193160057068}],"sentiment":"neutral","sentiment_score":-0.136354311183095,"num_words":10,"start":124.505005,"end":135.76001},{"sentences":[{"text":"So when the reporting to the ACO happens, it doesn't happen on a very regular basis.","start":135.76001,"end":140.58,"sentiment":"neutral","sentiment_score":-0.15454291552305222},{"text":"They only realistically report once every quarter or once every six months depending on what the requirement is for that specific fund.","start":141.12001,"end":148.58,"sentiment":"neutral","sentiment_score":-0.057268337261947716},{"text":"So the reporting should be happening around about the end of June each year.","start":149.165,"end":153.665,"sentiment":"neutral","sentiment_score":-0.04909882827528885},{"text":"Sometimes, hub twenty four don't report the end of financial year until sort of mid July.","start":154.44499,"end":158.94499,"sentiment":"neutral","sentiment_score":-0.12847577780485153},{"text":"So there is always a bit of a delay in the reporting side of things.","start":159.08499,"end":163.08,"sentiment":"neutral","sentiment_score":-0.23154183626174926}],"sentiment":"neutral","sentiment_score":-0.11986401991312762,"num_words":83,"start":135.76001,"end":163.08},{"sentences":[{"text":"So if you ever are unsure of how things are going, you're welcome to give us a call.","start":163.08,"end":166.76,"sentiment":"neutral","sentiment_score":-0.004937423393130302},{"text":"Let us know.","start":166.76,"end":167.58,"sentiment":"neutral","sentiment_score":0.022847641880313557},{"text":"Do you have access to your hub twenty four?","start":168.2,"end":170.12,"sentiment":"neutral","sentiment_score":-0.006390190062423547},{"text":"Do you log in there very often at all?","start":170.12,"end":172.3,"sentiment":"neutral","sentiment_score":-0.02016755545304881},{"text":"Yeah.","start":176.615,"end":177.115,"sentiment":"neutral","sentiment_score":-0.023062333464622498}],"sentiment":"neutral","sentiment_score":-0.007060318463481962,"num_words":40,"start":163.08,"end":177.115},{"sentences":[{"text":"Absolutely.","start":177.255,"end":177.755,"sentiment":"neutral","sentiment_score":0.0017340686172246933},{"text":"And you've got a lot of time.","start":178.215,"end":179.255,"sentiment":"neutral","sentiment_score":-0.030701065702097758},{"text":"You're still so young.","start":179.255,"end":180.215,"sentiment":"neutral","sentiment_score":-0.06973609700798988},{"text":"You can't access super at this point to the age of 60.","start":180.215,"end":182.955,"sentiment":"neutral","sentiment_score":-0.07030248548835516},{"text":"So just letting it go for the next year, thirty odd years is important.","start":183.015,"end":186.635,"sentiment":"neutral","sentiment_score":-0.001600437132375581}],"sentiment":"neutral","sentiment_score":-0.03574088750112998,"num_words":38,"start":177.255,"end":186.635},{"sentences":[{"text":"Easy.","start":189.4,"end":189.9,"sentiment":"neutral","sentiment_score":0.028534403070807457},{"text":"So no.","start":189.95999,"end":193.15999,"sentiment":"neutral","sentiment_score":-0.11089849472045898},{"text":"And that's absolutely okay.","start":193.15999,"end":194.78,"sentiment":"neutral","sentiment_score":-0.10291389003396034},{"text":"Yeah.","start":195.79999,"end":196.29999,"sentiment":"neutral","sentiment_score":-0.0749950259923935},{"text":"Absolutely.","start":198.28,"end":198.78,"sentiment":"neutral","sentiment_score":0.028668712824583057}],"sentiment":"neutral","sentiment_score":-0.07236049551930693,"num_words":9,"start":189.4,"end":198.78},{"sentences":[{"text":"Absolutely.","start":199.4,"end":199.9,"sentiment":"positive","sentiment_score":0.591042160987854},{"text":"And, look, I have had a really good look at things.","start":200.865,"end":203.105,"sentiment":"positive","sentiment_score":0.6473023566332731},{"text":"Obviously, having a look at your super, I've gone through all the individual investments there.","start":203.105,"end":207.265,"sentiment":"positive","sentiment_score":0.33568650285402934},{"text":"You have sort of had these investments for a couple of years now, so they have been working really well.","start":207.265,"end":212.405,"sentiment":"positive","sentiment_score":0.564928551018238},{"text":"As a whole, when we look at your total portfolio after the past twelve months, you have returned a return of about 5.37% net of fees.","start":212.705,"end":221.99,"sentiment":"positive","sentiment_score":0.41266989364073825}],"sentiment":"positive","sentiment_score":0.4763651216683322,"num_words":73,"start":199.4,"end":221.99},{"sentences":[{"text":"So it's earnings and income of over $10,000 in the last twelve months, realistically.","start":221.99,"end":227.13,"sentiment":"neutral","sentiment_score":0.33190660391535076},{"text":"And I'm just double checking the portfolio you're in.","start":228.10501,"end":231.225,"sentiment":"neutral","sentiment_score":0.13286171191268498},{"text":"It looks like you're in more of that gross kind of space there, but I'm just double checking.","start":231.225,"end":235.96501,"sentiment":"neutral","sentiment_score":0.07494218926876783},{"text":"Sorry.","start":236.585,"end":237.085,"sentiment":"neutral","sentiment_score":-0.0744171217083931},{"text":"It's still early morning.","start":237.625,"end":238.925,"sentiment":"neutral","sentiment_score":-0.1626140009611845}],"sentiment":"neutral","sentiment_score":0.14057682920247316,"num_words":46,"start":221.99,"end":238.925},{"sentences":[{"text":"Computer's a little bit slow.","start":240.90001,"end":242.44,"sentiment":"neutral","sentiment_score":-0.315722131729126},{"text":"There we go.","start":244.34,"end":245.24,"sentiment":"neutral","sentiment_score":-0.11650575200716655},{"text":"So, realistically, having a look at all the individual investments there, they are and have tracked a little bit lower than where I would sort of like for the year, But with what has been sort of reported between The US and Iran war, it hasn't there has been a lot more volatility this year out of the markets as well.","start":246.34,"end":262.475,"sentiment":"neutral","sentiment_score":-0.12464726600246351},{"text":"So a lower return is expected, and I'm still happy that you got a positive return after the last 12 there, but still would like to see more of a return on your side of things.","start":262.475,"end":273.31998,"sentiment":"neutral","sentiment_score":0.32150788398252594},{"text":"I will go through and just double check your risk profile with you shortly just to make sure that it is all comfortable for you.","start":274.1,"end":280.18,"sentiment":"neutral","sentiment_score":0.09165699630975724}],"sentiment":"neutral","sentiment_score":0.033339212233057386,"num_words":130,"start":240.90001,"end":280.18},{"sentences":[{"text":"But I'm just logging into your fund to have a look at the portfolio that you're in with regard to which one it is.","start":280.18,"end":290.045,"sentiment":"neutral","sentiment_score":0.05487623508088291},{"text":"And my computer's a little bit slow.","start":291.065,"end":292.745,"sentiment":"neutral","sentiment_score":-0.20592723893267767},{"text":"Sorry about that.","start":292.745,"end":293.725,"sentiment":"neutral","sentiment_score":-0.13825590411822},{"text":"Zero two four.","start":297.11002,"end":298.09,"sentiment":"neutral","sentiment_score":0.013953916418055693},{"text":"There we go.","start":306.15,"end":307.21002,"sentiment":"neutral","sentiment_score":0.08274310578902562}],"sentiment":"neutral","sentiment_score":-0.006228441908024252,"num_words":40,"start":280.18,"end":307.21002},{"sentences":[{"text":"Perfect.","start":312.88498,"end":313.38498,"sentiment":"positive","sentiment_score":0.3352844715118408},{"text":"So having a look at where things are, yeah, you are in that growth sort of area.","start":313.925,"end":318.16498,"sentiment":"neutral","sentiment_score":0.12235982124419774},{"text":"So that sort of portfolio generally sees about 80% of your super invested in growth assets.","start":318.16498,"end":323.37,"sentiment":"neutral","sentiment_score":0.13424765318632126},{"text":"So looking at things like Australian shares, international shares, listed property is also generally in there, and then also commodities like gold and silver.","start":323.37,"end":331.37,"sentiment":"neutral","sentiment_score":0.14344027638435364},{"text":"And you've definitely got some physical gold in there, which looking at your portfolio has returned over a 10 a 10% return for the year.","start":331.37,"end":338.49,"sentiment":"positive","sentiment_score":0.34228696942329406}],"sentiment":"neutral","sentiment_score":0.19955547894519496,"num_words":83,"start":312.88498,"end":338.49},{"sentences":[{"text":"So it is really good.","start":338.49,"end":339.775,"sentiment":"positive","sentiment_score":0.5622672021389008},{"text":"It has been working nicely, and you've come up with a positive.","start":339.775,"end":342.675,"sentiment":"positive","sentiment_score":0.686348150173823},{"text":"But I have seen one or two of your investments that are slightly underperforming a little bit, and I think it is time to make sure things are updated on a regular basis there for you.","start":343.535,"end":353.79498,"sentiment":"neutral","sentiment_score":-0.25968101082576645},{"text":"And we just maybe switch out some of those investments.","start":354.04,"end":356.28,"sentiment":"neutral","sentiment_score":-0.052117429487407205},{"text":"Are you comfortable with me going back, reviewing those, and maybe making an updated recommendation to switch them out, maybe look at a portfolio that's performing better for you?","start":356.28,"end":364.7,"sentiment":"neutral","sentiment_score":-0.022803572680929612}],"sentiment":"neutral","sentiment_score":0.005614342613388662,"num_words":92,"start":338.49,"end":364.7},{"sentences":[{"text":"Yep.","start":366.29498,"end":366.535,"sentiment":"neutral","sentiment_score":0.11850287020206451},{"text":"Fantastic.","start":366.535,"end":367.035,"sentiment":"positive","sentiment_score":0.4090106189250946},{"text":"With that growth kind of environment, we are sort of tracking to try and obtain a return of around about seven to 9% on an annual basis, but with the expected volatility, you can see in the market.","start":368.29498,"end":378.9,"sentiment":"neutral","sentiment_score":0.12043338308208867},{"text":"So when we see really good returns out of this sort of a portfolio, you can be expecting an extra 14 sorry, an extra 11% on top of the expected seven to 9% return.","start":378.9,"end":389.69998,"sentiment":"neutral","sentiment_score":0.10904356661964865},{"text":"However, in downtime, because you are kind of taking a little bit more risk in the market, you can also see a negative 11% under that 7% return as well.","start":389.69998,"end":399.035,"sentiment":"neutral","sentiment_score":-0.23972808420658112}],"sentiment":"neutral","sentiment_score":0.01557327677997259,"num_words":104,"start":366.29498,"end":399.035},{"sentences":[{"text":"So it's about understanding the volatility and the expected highs and lows that you could see within this sort of a portfolio and just making sure you're comfortable with it.","start":399.035,"end":407.4,"sentiment":"neutral","sentiment_score":-0.06732052676379681},{"text":"Realistically, for your age and stage, because you can't access super, you know, until the age of 60 at this point, that sort of environment suits your time horizon.","start":408.28,"end":417.5,"sentiment":"neutral","sentiment_score":0.027187008410692215},{"text":"For your age group, we'd normally like to see you with that growth or high growth environment because you can take on more risk now, go through the downtimes, and you're not accessing the super.","start":417.88,"end":427.335,"sentiment":"neutral","sentiment_score":0.017834819853305817},{"text":"So it is a good place for you to definitely be.","start":427.335,"end":430.795,"sentiment":"neutral","sentiment_score":0.3195535323836587},{"text":"I do wanna have a look and maybe remove some underperforming investments there for you and just maybe update the the projection outcome for you so you can sort of see based on our recommendations, your current, and what I'm gonna recommend for you, where that's projected to look like over the next five to ten years for you.","start":431.015,"end":447.5,"sentiment":"neutral","sentiment_score":0.12439205383850356}],"sentiment":"neutral","sentiment_score":0.06248320834484042,"num_words":164,"start":399.035,"end":447.5},{"sentences":[{"text":"Does that sound okay?","start":447.5,"end":448.38,"sentiment":"neutral","sentiment_score":0.11590007320046425},{"text":"And do you have any questions?","start":448.38,"end":449.84003,"sentiment":"neutral","sentiment_score":0.01090015952164928},{"text":"Yeah.","start":452.495,"end":452.995,"sentiment":"neutral","sentiment_score":0.027820760384202003},{"text":"Beautiful.","start":453.375,"end":453.875,"sentiment":"neutral","sentiment_score":0.11187290400266647},{"text":"Excellent.","start":454.015,"end":454.415,"sentiment":"positive","sentiment_score":0.6611793637275696}],"sentiment":"neutral","sentiment_score":0.10229802138816851,"num_words":13,"start":447.5,"end":454.415},{"sentences":[{"text":"Well, I'll go back and do some research around those investments, maybe swap them out.","start":454.415,"end":458.195,"sentiment":"neutral","sentiment_score":0.13963545014460882},{"text":"One of the things that I did sort of wanna check-in with you is that within your portfolio, one of the underlying investments that is underperforming is called the Benelon Australian Equities.","start":458.575,"end":468.26,"sentiment":"neutral","sentiment_score":0.04940128809539601},{"text":"Now that was originally put into your portfolio because they're more of an actively managed fund.","start":468.26,"end":473.22,"sentiment":"neutral","sentiment_score":0.037376541760750115},{"text":"It's an active manager.","start":473.22,"end":474.44,"sentiment":"neutral","sentiment_score":0.05890140403062105},{"text":"The manager of that fund is trying to outperform against the market, so they should be buying and selling and picking and trying to time the market.","start":474.74,"end":481.235,"sentiment":"neutral","sentiment_score":0.07855046650877705}],"sentiment":"neutral","sentiment_score":0.07053048777929012,"num_words":94,"start":454.415,"end":481.235},{"sentences":[{"text":"Active managers, when you have those in your investments, they can cost a little bit more in management fees and things like that.","start":481.775,"end":488.51498,"sentiment":"neutral","sentiment_score":0.022786662954351177},{"text":"Did you want me to look at keeping a bit of active management in your portfolio, or did you wanna just look at a more of a low cost portfolio, try to save on investment fees and things like that?","start":488.975,"end":498.25998,"sentiment":"neutral","sentiment_score":0.053149249777197836},{"text":"What would you prefer?","start":498.25998,"end":499.32,"sentiment":"neutral","sentiment_score":0.015608515590429306},{"text":"That's it.","start":504.355,"end":505.095,"sentiment":"neutral","sentiment_score":-0.043919675052165985},{"text":"Yep.","start":505.39502,"end":505.89502,"sentiment":"neutral","sentiment_score":0.01843743771314621}],"sentiment":"neutral","sentiment_score":0.0377585055572646,"num_words":70,"start":481.775,"end":505.89502},{"sentences":[{"text":"No.","start":506.11502,"end":506.355,"sentiment":"neutral","sentiment_score":-0.022998761385679245},{"text":"That's okay.","start":506.355,"end":507.095,"sentiment":"neutral","sentiment_score":0.054364532232284546},{"text":"I can look at both for you, look at the the fees, the outcome, the overall, what that looks like for you.","start":507.155,"end":513.555,"sentiment":"neutral","sentiment_score":0.08989068442447619},{"text":"I also take into account CGT consequences.","start":513.555,"end":515.97504,"sentiment":"neutral","sentiment_score":0.04851991736463138},{"text":"So because like just like you and I, your super fund does a tax return every year.","start":516.515,"end":520.86,"sentiment":"neutral","sentiment_score":0.025972610010820275}],"sentiment":"neutral","sentiment_score":0.05805100310517817,"num_words":49,"start":506.11502,"end":520.86},{"sentences":[{"text":"So when we do switch investments and buy and sell, your super fund does have to account for income tax and CGT tax and things like that.","start":520.86,"end":529.1,"sentiment":"neutral","sentiment_score":0.01823162094310478},{"text":"So I can look at ways to minimize the tax side of it for your fund, but also look at what's been performing better, the fees, and what's gonna put you in a greater position long term and maybe make that recommendation for you.","start":529.1,"end":541.425,"sentiment":"neutral","sentiment_score":0.07843094463036819},{"text":"Does that sound okay?","start":541.425,"end":542.725,"sentiment":"neutral","sentiment_score":0.08223524503409863},{"text":"Yep.","start":544.145,"end":544.59,"sentiment":"neutral","sentiment_score":0.257397323846817},{"text":"Beautiful.","start":544.83,"end":545.33,"sentiment":"positive","sentiment_score":0.5828465223312378}],"sentiment":"neutral","sentiment_score":0.06639480721447374,"num_words":77,"start":520.86,"end":545.33},{"sentences":[{"text":"Fantastic.","start":545.55005,"end":546.03,"sentiment":"positive","sentiment_score":0.5816246271133423},{"text":"I've got a couple of options for investments to swap out, so I'll look at doing that.","start":546.03,"end":549.71,"sentiment":"neutral","sentiment_score":0.25247810868655934},{"text":"It'll take just a couple of weeks to put that advice together, but then we'll come back and I'll go through it with you.","start":549.71,"end":555.47003,"sentiment":"neutral","sentiment_score":0.24763035587966442},{"text":"Okay?","start":555.47003,"end":555.97003,"sentiment":"neutral","sentiment_score":0.21276189386844635},{"text":"Fantastic.","start":558.285,"end":558.785,"sentiment":"positive","sentiment_score":0.6032555103302002}],"sentiment":"neutral","sentiment_score":0.26438405500216916,"num_words":44,"start":545.55005,"end":558.785},{"sentences":[{"text":"Now the other thing I do have here is your insurances.","start":559.485,"end":561.90497,"sentiment":"neutral","sentiment_score":0.10851679674603722},{"text":"So at the moment, you've got your MetLife policy there, and it shows the current sum insured of your insurances.","start":562.285,"end":567.505,"sentiment":"neutral","sentiment_score":0.05226774513721466},{"text":"Your life and TBD is showing about 525,000 there.","start":567.805,"end":571.82495,"sentiment":"neutral","sentiment_score":0.0639803662068314},{"text":"If in the event of you passing away currently, you've got the 525,000 of life cover plus your super balance is paid out to your beneficiaries as well.","start":572.1,"end":581.56,"sentiment":"neutral","sentiment_score":0.06548625004610845},{"text":"So it sorta gives you a total of about 673,000 at the moment total between your super and your life cover.","start":581.77997,"end":589.145,"sentiment":"neutral","sentiment_score":0.07447732559272222}],"sentiment":"neutral","sentiment_score":0.06980339102865604,"num_words":89,"start":559.485,"end":589.145},{"sentences":[{"text":"Just looking at your debt, so even the event that that was to occur, you know, that would obviously pay off your debt.","start":590.245,"end":597.465,"sentiment":"neutral","sentiment_score":-0.06182205126337383},{"text":"Your mortgage, I had noted at about 235,000.","start":597.84503,"end":601.38,"sentiment":"neutral","sentiment_score":-0.0577077753841877},{"text":"Have you been able to reduce that since last year at all?","start":601.38,"end":604.2,"sentiment":"neutral","sentiment_score":-0.08523633765677611},{"text":"Okay.","start":610.74,"end":611.24,"sentiment":"neutral","sentiment_score":0.012388947419822216},{"text":"So about $2.25 roughly.","start":611.62,"end":614.36,"sentiment":"neutral","sentiment_score":0.017598396632820368}],"sentiment":"neutral","sentiment_score":-0.05882547708461061,"num_words":48,"start":590.245,"end":614.36},{"sentences":[{"text":"If we looked at yeah.","start":615.275,"end":617.67505,"sentiment":"neutral","sentiment_score":-0.07631695047020912},{"text":"I know.","start":617.67505,"end":617.99506,"sentiment":"neutral","sentiment_score":0.17728275805711746},{"text":"And they keep going up, right, they answer.","start":617.99506,"end":620.09503,"sentiment":"neutral","sentiment_score":-0.08330071624368429},{"text":"If if you were to look at your sleep and your life insurance is that if you were to pass away, the amount that is $6.73 would pay off the mortgage for you, leaving your family completely debt free, and then leave roughly about 447,000 available after that.","start":625.11505,"end":640.44,"sentiment":"neutral","sentiment_score":0.001258222308630745},{"text":"Does that feel like a comfortable amount for you?","start":640.44,"end":642.68,"sentiment":"neutral","sentiment_score":0.06410585054092938}],"sentiment":"neutral","sentiment_score":-0.0007788561181061798,"num_words":72,"start":615.275,"end":642.68},{"sentences":[{"text":"Did you wanna look at altering or reviewing that?","start":642.68,"end":645.02,"sentiment":"neutral","sentiment_score":-0.022275845209757488},{"text":"Yep.","start":650.245,"end":650.745,"sentiment":"neutral","sentiment_score":0.07746326178312302},{"text":"Yep.","start":655.045,"end":655.545,"sentiment":"neutral","sentiment_score":0.04144444316625595},{"text":"Yeah.","start":657.7,"end":658.2,"sentiment":"neutral","sentiment_score":0.028142739087343216},{"text":"Absolutely.","start":660.5,"end":661.0,"sentiment":"neutral","sentiment_score":0.08130662143230438}],"sentiment":"neutral","sentiment_score":0.0021441891216314756,"num_words":13,"start":642.68,"end":661.0},{"sentences":[{"text":"What's your income at the moment?","start":661.14,"end":662.66,"sentiment":"neutral","sentiment_score":0.0004558969327869515},{"text":"I had you earning about 57,000 last year.","start":662.66,"end":665.3,"sentiment":"neutral","sentiment_score":-0.01993888313882053},{"text":"Has that changed?","start":665.3,"end":666.18,"sentiment":"neutral","sentiment_score":-0.03556675588091215},{"text":"Or yep.","start":666.18,"end":675.655,"sentiment":"neutral","sentiment_score":-0.03777991235256195},{"text":"Yep.","start":679.155,"end":679.655,"sentiment":"neutral","sentiment_score":0.05474834144115448}],"sentiment":"neutral","sentiment_score":-0.014214371721027418,"num_words":20,"start":661.14,"end":679.655},{"sentences":[{"text":"So if we look at what have we had left over, say, that 447,000 and divide that by about 80,000 on a yearly basis, it essentially then the amount leaves about five years five and a half years worth of current income replacement for your for your young son there as well.","start":680.195,"end":696.41003,"sentiment":"neutral","sentiment_score":0.05081084821946346},{"text":"So does that sound sufficient for the moment?","start":696.41003,"end":700.145,"sentiment":"neutral","sentiment_score":0.019625512417405844},{"text":"Did you wanna sort of look at increasing that?","start":700.145,"end":702.465,"sentiment":"neutral","sentiment_score":-0.036277362455924354},{"text":"Keeping in mind that the mortgage is gone, realistically, that income, whilst it covers five and a half years of current income replacement, could obviously expect be extended out.","start":702.465,"end":712.36,"sentiment":"neutral","sentiment_score":-0.16168747945078488},{"text":"So sorry.","start":712.36,"end":713.18,"sentiment":"neutral","sentiment_score":-0.23926354944705963}],"sentiment":"neutral","sentiment_score":-0.026947920583188532,"num_words":100,"start":680.195,"end":713.18},{"sentences":[{"text":"Be extended out because, realistically, you know, family members could live on a little bit less to look after your child.","start":713.63995,"end":718.77997,"sentiment":"neutral","sentiment_score":-0.22107659493173873},{"text":"So that could last about ten odd years of income replacement for your family.","start":718.83997,"end":724.04,"sentiment":"neutral","sentiment_score":-0.06642200531704086},{"text":"Does that sound sound appropriate?","start":724.04,"end":725.855,"sentiment":"neutral","sentiment_score":-0.003755071759223938},{"text":"Or if it's not, you're welcome to let me know.","start":725.995,"end":728.575,"sentiment":"neutral","sentiment_score":-0.03215832896530628},{"text":"Yep.","start":732.475,"end":732.795,"sentiment":"neutral","sentiment_score":0.11569325625896454}],"sentiment":"neutral","sentiment_score":-0.1136702345136334,"num_words":51,"start":713.63995,"end":732.795},{"sentences":[{"text":"That's absolutely fine.","start":732.795,"end":733.675,"sentiment":"neutral","sentiment_score":0.29423442482948303},{"text":"If you discover that you do kind of wanna have that altered or changed, please let me know.","start":733.675,"end":738.395,"sentiment":"neutral","sentiment_score":0.09087151102721691},{"text":"I'm more than happy to, you know, have that conversation.","start":738.395,"end":740.77997,"sentiment":"positive","sentiment_score":0.4956232964992523},{"text":"You're not limited to one per year if you, at some point, decide that that's not quite appropriate.","start":741.08,"end":745.88,"sentiment":"neutral","sentiment_score":-0.16118104466133648},{"text":"You don't want that amount.","start":745.88,"end":747.42,"sentiment":"neutral","sentiment_score":-0.23820862770080567}],"sentiment":"neutral","sentiment_score":0.06263558325116281,"num_words":54,"start":732.795,"end":747.42},{"sentences":[{"text":"You wanna look at altering it, just let me know.","start":747.56,"end":749.48,"sentiment":"neutral","sentiment_score":0.03856494165956974},{"text":"We can always come back and have that conversation.","start":749.48,"end":751.5,"sentiment":"neutral","sentiment_score":0.17602658851279152},{"text":"Okay.","start":751.88,"end":752.38,"sentiment":"neutral","sentiment_score":0.29884421825408936},{"text":"Beautiful.","start":753.795,"end":754.295,"sentiment":"positive","sentiment_score":0.5792120695114136},{"text":"Now you do have with total permanent disability the same level of cover.","start":754.435,"end":757.875,"sentiment":"neutral","sentiment_score":0.09298985938613231}],"sentiment":"neutral","sentiment_score":0.11931803449988365,"num_words":34,"start":747.56,"end":757.875},{"sentences":[{"text":"So it's a 575 sorry.","start":757.875,"end":760.27496,"sentiment":"neutral","sentiment_score":0.04796335995197296},{"text":"$525,000.","start":760.27496,"end":761.495,"sentiment":"neutral","sentiment_score":0.07199737429618835},{"text":"But then, obviously, with your PPD, a lot of people aren't sort of aware, but we also do access or can access your super under permanent incapacity as well.","start":761.875,"end":770.93,"sentiment":"neutral","sentiment_score":0.04202109386999931},{"text":"So you can receive your super benefit paid out.","start":770.93,"end":774.07,"sentiment":"neutral","sentiment_score":0.17312748978535333},{"text":"Again, that does give you about $6,673,000 there.","start":774.20996,"end":778.335,"sentiment":"neutral","sentiment_score":0.0897040544077754}],"sentiment":"neutral","sentiment_score":0.07319626422339262,"num_words":52,"start":757.875,"end":778.335},{"sentences":[{"text":"One of the things I do kind of like to make sure you're aware of is that TBD, if in the event that you claim on total permanent incapacity, and you're under the age of 60, if you take the amount out of super, it's actually taxed up to twenty two percent.","start":778.41504,"end":791.715,"sentiment":"neutral","sentiment_score":-0.08923786248152073},{"text":"It's horrible, and I don't like it in any way, shape, or form.","start":791.775,"end":795.15,"sentiment":"negative","sentiment_score":-0.7024284715835865},{"text":"It's taxed.","start":807.305,"end":808.20496,"sentiment":"neutral","sentiment_score":-0.17542898654937744},{"text":"Yes.","start":808.985,"end":809.485,"sentiment":"neutral","sentiment_score":-0.09310033917427064},{"text":"Yeah.","start":814.985,"end":815.485,"sentiment":"neutral","sentiment_score":-0.28139442205429077}],"sentiment":"neutral","sentiment_score":-0.21010567701381186,"num_words":69,"start":778.41504,"end":815.485},{"sentences":[{"text":"It is really horrible.","start":816.89,"end":818.19,"sentiment":"negative","sentiment_score":-0.7116442322731018},{"text":"Absolutely.","start":818.41003,"end":818.91003,"sentiment":"neutral","sentiment_score":-0.16278156638145447},{"text":"If anything ever comes up and you feel like you might need to access it, come and have that chat with us first because, yeah, it is unfortunately, a lot of people aren't aware.","start":819.13,"end":827.55,"sentiment":"neutral","sentiment_score":-0.14696177966235316},{"text":"And it's not sort of known when you kinda fill out the forms to do to access your super and things like that.","start":828.17004,"end":833.49506,"sentiment":"neutral","sentiment_score":-0.24352723813575247},{"text":"A lot of people aren't told, and then all of a sudden, they've drawn money out.","start":833.49506,"end":837.255,"sentiment":"neutral","sentiment_score":-0.28575801849365234}],"sentiment":"neutral","sentiment_score":-0.2330681253463412,"num_words":78,"start":816.89,"end":837.255},{"sentences":[{"text":"There's, you know, a big debt coming or there's extra money that's missing, and there's a tax bill or something like that.","start":837.255,"end":843.335,"sentiment":"negative","sentiment_score":-0.33523926545273175},{"text":"So it is something that's not well known, but the same thing happens under total incapacity, and I dislike that in any way, shape, or form.","start":843.335,"end":851.55,"sentiment":"negative","sentiment_score":-0.4679498838690611},{"text":"I think if you are unable to ever go back to work again due to disability, the last thing the government should be doing is taxing the payment for you.","start":851.55,"end":858.69,"sentiment":"negative","sentiment_score":-0.5573141594727834},{"text":"But given your current level of cover, the tax is up to 22%.","start":859.31,"end":864.135,"sentiment":"neutral","sentiment_score":-0.2091619372367859},{"text":"It can be lesser, and there are things that we can do.","start":864.51495,"end":867.15497,"sentiment":"neutral","sentiment_score":-0.17652969807386398}],"sentiment":"negative","sentiment_score":-0.39901793364760946,"num_words":103,"start":837.255,"end":867.15497},{"sentences":[{"text":"If you were to claim on TBD, I would look at providing financial advice on how to limit the tax for you, but also make sure you get the benefit to last as long as possible as well because a lot of people in that instance take out a lump sum, the whole amount, and then the money's gone within about twelve months.","start":867.15497,"end":882.62,"sentiment":"neutral","sentiment_score":0.014101962603273847},{"text":"So it is really important to kinda keep that money lasting as long as possible.","start":882.62,"end":887.04,"sentiment":"positive","sentiment_score":0.3551358540852865},{"text":"Based on the 22% tax, it does mean out of the total benefit, if you were TPD today, and you took the full lump sum, the tax is roughly 148,000, which means that at the end of it, you could be left with about $524,009.69.","start":887.82,"end":904.005,"sentiment":"neutral","sentiment_score":0.11324887664781677},{"text":"It does lessen the benefit amount.","start":904.79,"end":906.97,"sentiment":"negative","sentiment_score":-0.4215831160545349},{"text":"That, again, if you were TPD'd, could pay off the mortgage you have there.","start":907.26996,"end":911.58997,"sentiment":"neutral","sentiment_score":-0.03686082921922207}],"sentiment":"neutral","sentiment_score":0.057804969224062835,"num_words":143,"start":867.15497,"end":911.58997},{"sentences":[{"text":"So if we subtract the $2.25, that then leaves you about 299,000, which if you were, say, live on 50 or $60,000 a year, because you could still obviously get your fortnightly Centrelink payments and things like that, would last you with about four to five years worth of income replacement.","start":911.58997,"end":933.57,"sentiment":"neutral","sentiment_score":0.061789172171962024},{"text":"Did you want me to kind of reassess the TPD, or do you feel like that's comfortable at the moment for you?","start":933.79004,"end":939.09,"sentiment":"neutral","sentiment_score":-0.08133619668131525},{"text":"Mhmm.","start":942.605,"end":943.105,"sentiment":"neutral","sentiment_score":0.05516880378127098},{"text":"Absolutely.","start":943.64496,"end":944.14496,"sentiment":"neutral","sentiment_score":0.25217437744140625},{"text":"Not a problem.","start":944.52496,"end":945.245,"sentiment":"neutral","sentiment_score":0.2826055685679118}],"sentiment":"neutral","sentiment_score":0.03226937616291719,"num_words":78,"start":911.58997,"end":945.245},{"sentences":[{"text":"And the other thing with these policies, they are staffed.","start":945.245,"end":948.305,"sentiment":"neutral","sentiment_score":0.08847319086780772},{"text":"So they do increase in cost every year, but it also goes through a renewal period, and the amount you're insured for increases in time along with CPI.","start":948.365,"end":957.345,"sentiment":"neutral","sentiment_score":0.01506862962352378},{"text":"So the good thing is you do get little increases on the amount you're insured for each year, so it does continue to grow.","start":957.40497,"end":963.22003,"sentiment":"positive","sentiment_score":0.4748129720489184},{"text":"The downside of that is that the cost of the insurances will continue to increase as well.","start":963.52,"end":967.92004,"sentiment":"negative","sentiment_score":-0.5368325499927297},{"text":"Okay.","start":967.92004,"end":968.42004,"sentiment":"neutral","sentiment_score":0.04301861673593521}],"sentiment":"neutral","sentiment_score":0.04523787667712895,"num_words":80,"start":945.245,"end":968.42004},{"sentences":[{"text":"Yep.","start":969.36005,"end":969.855,"sentiment":"neutral","sentiment_score":0.1588698774576187},{"text":"Beautiful.","start":970.095,"end":970.595,"sentiment":"positive","sentiment_score":0.41839906573295593},{"text":"With your income protection benefit, your current insured amount is a pretax 200 sorry.","start":971.375,"end":977.615,"sentiment":"neutral","sentiment_score":0.09443335527820247},{"text":"$2,998 as a monthly benefit there.","start":977.615,"end":981.15497,"sentiment":"neutral","sentiment_score":0.0969569981098175},{"text":"Income was you're earning about 60,000.","start":981.77496,"end":985.08,"sentiment":"neutral","sentiment_score":0.047413056095441185}],"sentiment":"neutral","sentiment_score":0.09876986579703433,"num_words":28,"start":969.36005,"end":985.08},{"sentences":[{"text":"With income protection, if you are receiving any kind of Centrelink, what happens with an indemnity policy, which is the type of policy you have, is that at claim time, they will ask for all the medical evidence to show you you're unable to go back to work.","start":985.38,"end":997.815,"sentiment":"neutral","sentiment_score":-0.0041745054186321795},{"text":"They will also then ask for any additional income evidence, so payslips or tax returns.","start":997.895,"end":1003.755,"sentiment":"neutral","sentiment_score":0.03615772128105164},{"text":"They also find out whether you're eligible for Centrelink and things like that.","start":1003.975,"end":1007.655,"sentiment":"neutral","sentiment_score":0.07284330232785298},{"text":"They take your total income that you've earned prior to you being off work.","start":1007.655,"end":1011.755,"sentiment":"neutral","sentiment_score":0.019392249706600393},{"text":"And if you're receiving any regular Centrelink payments or any other offset payments, say, from workers' compensation or annual leave or sick leave, things like that, that can reduce the amount that you are covered for.","start":1012.02,"end":1024.3601,"sentiment":"neutral","sentiment_score":-0.00656141247600317}],"sentiment":"neutral","sentiment_score":0.010509786794760398,"num_words":126,"start":985.38,"end":1024.3601},{"sentences":[{"text":"So they sort of assess it that way.","start":1025.14,"end":1027.735,"sentiment":"neutral","sentiment_score":-0.011281776241958141},{"text":"Your income, you kind of mentioned, is about 80,000 with the Centrelink side of things.","start":1028.755,"end":1034.115,"sentiment":"neutral","sentiment_score":0.03177284548679988},{"text":"How much are you just earning in your part time role in child care?","start":1034.115,"end":1039.1749,"sentiment":"neutral","sentiment_score":0.02462290832772851},{"text":"Oh, so sorry.","start":1041.53,"end":1042.3301,"sentiment":"neutral","sentiment_score":-0.08286421249310176},{"text":"It's a government administration.","start":1042.3301,"end":1043.53,"sentiment":"neutral","sentiment_score":-0.09350192174315453}],"sentiment":"neutral","sentiment_score":0.002464974193241109,"num_words":44,"start":1025.14,"end":1043.53},{"sentences":[{"text":"I do apologize.","start":1043.53,"end":1044.25,"sentiment":"neutral","sentiment_score":-0.10602274785439174},{"text":"I read the wrong line.","start":1044.25,"end":1045.13,"sentiment":"neutral","sentiment_score":-0.11275116205215455},{"text":"My sorry.","start":1045.13,"end":1045.79,"sentiment":"neutral","sentiment_score":-0.07772808521986008},{"text":"No.","start":1046.5701,"end":1046.81,"sentiment":"neutral","sentiment_score":-0.08854743093252182},{"text":"No.","start":1046.81,"end":1046.9701,"sentiment":"neutral","sentiment_score":-0.08341513574123383}],"sentiment":"neutral","sentiment_score":-0.10077023257811864,"num_words":12,"start":1043.53,"end":1046.9701},{"sentences":[{"text":"You're fine.","start":1046.9701,"end":1047.79,"sentiment":"neutral","sentiment_score":-0.020470923744142056},{"text":"I read the wrong one.","start":1048.41,"end":1049.2101,"sentiment":"neutral","sentiment_score":-0.05427870787680149},{"text":"You've got diploma in child services.","start":1049.2101,"end":1050.99,"sentiment":"neutral","sentiment_score":0.022097528834516805},{"text":"Yeah.","start":1059.725,"end":1060.225,"sentiment":"neutral","sentiment_score":0.020883023738861084},{"text":"Working about sixty thousand?","start":1064.0449,"end":1065.585,"sentiment":"neutral","sentiment_score":0.015045251930132508}],"sentiment":"neutral","sentiment_score":-0.00548256568921109,"num_words":18,"start":1046.9701,"end":1065.585},{"sentences":[{"text":"Yep.","start":1066.35,"end":1066.85,"sentiment":"neutral","sentiment_score":0.1125323474407196},{"text":"That's okay.","start":1066.91,"end":1067.73,"sentiment":"neutral","sentiment_score":0.22647151350975037},{"text":"So 60,000.","start":1068.67,"end":1069.89,"sentiment":"neutral","sentiment_score":0.22134950011968613},{"text":"Perfect.","start":1072.11,"end":1072.61,"sentiment":"positive","sentiment_score":0.5699806213378906},{"text":"So with income protection, you can be covered for up to 70% of your pretax income.","start":1072.83,"end":1078.61,"sentiment":"neutral","sentiment_score":0.2918398529291153}],"sentiment":"neutral","sentiment_score":0.2839814837683331,"num_words":22,"start":1066.35,"end":1078.61},{"sentences":[{"text":"If we looked at the full 70%, it would show that you would need to have a monthly benefit of about 3,500.","start":1079.945,"end":1086.265,"sentiment":"neutral","sentiment_score":0.1837394650686871},{"text":"That's pretax because with income protection payments, income tax is also deducted out of the amount.","start":1086.265,"end":1091.945,"sentiment":"neutral","sentiment_score":0.15702338051050901},{"text":"So, realistically, on a monthly basis, you could expect about $3,000 to be paid out of that.","start":1091.945,"end":1097.8301,"sentiment":"neutral","sentiment_score":0.18791290241129258},{"text":"With the current cover you have, it has a monthly benefit of $2,998.","start":1098.53,"end":1104.2301,"sentiment":"neutral","sentiment_score":0.13093730578055748},{"text":"It is just slightly under the amount.","start":1104.8501,"end":1106.93,"sentiment":"neutral","sentiment_score":-0.05167470978839057}],"sentiment":"neutral","sentiment_score":0.14786164889732997,"num_words":75,"start":1079.945,"end":1106.93},{"sentences":[{"text":"So you are slightly underinsured there, but in the event of you being unable to go to work and meeting the ninety day waiting period, you could say realistically get about 2,500 as a monthly benefit and then also receiving your Centrelink on top of that.","start":1106.93,"end":1121.88,"sentiment":"neutral","sentiment_score":0.019410773787809456},{"text":"Does that feel appropriate?","start":1121.88,"end":1123.0801,"sentiment":"neutral","sentiment_score":0.11227799020707607},{"text":"Does that feel like it would cover most of your expenses, or how do you feel about that amount?","start":1123.0801,"end":1127.5,"sentiment":"neutral","sentiment_score":0.0850755033132277},{"text":"That would be okay?","start":1131.24,"end":1132.2001,"sentiment":"neutral","sentiment_score":0.2543412446975708},{"text":"Yep.","start":1132.2001,"end":1132.52,"sentiment":"neutral","sentiment_score":0.13337840139865875}],"sentiment":"neutral","sentiment_score":0.055529533759564965,"num_words":74,"start":1106.93,"end":1132.52},{"sentences":[{"text":"That's absolutely fine.","start":1132.52,"end":1133.8201,"sentiment":"neutral","sentiment_score":0.1979543666044871},{"text":"Yeah.","start":1134.255,"end":1134.495,"sentiment":"neutral","sentiment_score":-0.017345551401376724},{"text":"It's hard to know unless you're actually off work and on a claim.","start":1134.495,"end":1137.875,"sentiment":"neutral","sentiment_score":-0.2145502928357858},{"text":"That's probably the worst time to have to think about that sort of thing, but it's always just kind of working out, am I comfortable with this now?","start":1138.495,"end":1145.715,"sentiment":"neutral","sentiment_score":-0.1581751790695957},{"text":"If I wasn't a claim, would that be appropriate?","start":1145.855,"end":1148.115,"sentiment":"neutral","sentiment_score":-0.10089984867307875}],"sentiment":"neutral","sentiment_score":-0.13980814648999107,"num_words":54,"start":1132.52,"end":1148.115},{"sentences":[{"text":"Keeping in mind, Centrelink is indexed on a regular basis as well.","start":1148.96,"end":1153.86,"sentiment":"neutral","sentiment_score":0.06993279947588842},{"text":"So it is due to be reassessed and indexed again in September this year, so you your payments could continuously go up there as well.","start":1154.0,"end":1161.14,"sentiment":"neutral","sentiment_score":0.11612692534923554},{"text":"Okay?","start":1161.2001,"end":1161.7001,"sentiment":"neutral","sentiment_score":0.11030323803424837},{"text":"Excellent.","start":1163.1951,"end":1163.6951,"sentiment":"positive","sentiment_score":0.7210449576377869},{"text":"Now you do have a five year benefit and a ninety day waiting period on the income protection policy.","start":1164.235,"end":1169.275,"sentiment":"neutral","sentiment_score":0.27884089789892497}],"sentiment":"neutral","sentiment_score":0.17020158591712342,"num_words":58,"start":1148.96,"end":1169.275},{"sentences":[{"text":"It just means you have to be offered ninety days prior to making a claim.","start":1169.275,"end":1172.5751,"sentiment":"neutral","sentiment_score":0.17279062867164613},{"text":"I always let everyone know that if you are going to make a claim or you're off work, let us know at the first instance.","start":1172.875,"end":1179.78,"sentiment":"neutral","sentiment_score":0.15554949924349784},{"text":"That way, we can let the insurer know, and that starts the waiting period so we can get the claim forms ready to go.","start":1179.78,"end":1186.44,"sentiment":"neutral","sentiment_score":0.2551163136959076},{"text":"And then at that ninety days, they can all be filled out and submitted to the insurer.","start":1186.58,"end":1190.74,"sentiment":"neutral","sentiment_score":0.28194079416639667},{"text":"It makes the claims process much smoother for you.","start":1190.74,"end":1193.6051,"sentiment":"positive","sentiment_score":0.41639431317647296}],"sentiment":"neutral","sentiment_score":0.23493256399201023,"num_words":90,"start":1169.275,"end":1193.6051},{"sentences":[{"text":"Okay?","start":1193.6051,"end":1194.1051,"sentiment":"neutral","sentiment_score":0.18654949963092804},{"text":"And then a five year benefit period is a great benefit period.","start":1195.2051,"end":1198.245,"sentiment":"positive","sentiment_score":0.4475697676340739},{"text":"While most income protection claims are finished within the first sort of one to two years, a five year benefit period does mean that you can be off work and on a claim for up to five years, and that's including a partial claim.","start":1198.245,"end":1209.55,"sentiment":"neutral","sentiment_score":0.08999090785668655},{"text":"So some people can, depending on the end injury or illness, go back to work, and be working one, two, or three days a week part time or casually and still receiving some money from the claim.","start":1209.6101,"end":1220.5851,"sentiment":"neutral","sentiment_score":0.11327336527205803},{"text":"So it does just sort of help to reduce the risk of that occurring and you're not being able to receive any additional funds there.","start":1220.5851,"end":1226.665,"sentiment":"neutral","sentiment_score":0.22041744142770767}],"sentiment":"neutral","sentiment_score":0.16150031266968792,"num_words":119,"start":1193.6051,"end":1226.665},{"sentences":[{"text":"Okay.","start":1226.665,"end":1227.165,"sentiment":"neutral","sentiment_score":0.22998282313346863},{"text":"With the policy out of super this year, you paid $554.44.","start":1228.745,"end":1233.4651,"sentiment":"neutral","sentiment_score":0.1849373308095065},{"text":"The policy is nice and cheap at the moment, but it will get more expensive over time.","start":1233.4651,"end":1237.23,"sentiment":"neutral","sentiment_score":0.041942221276900345},{"text":"So we'll just keep reviewing it with you, and keep making alterations as we need to, as your life changes, as the it's appropriate to do so.","start":1237.23,"end":1245.07,"sentiment":"neutral","sentiment_score":0.22757526652680504},{"text":"Does do you have any questions?","start":1245.07,"end":1246.27,"sentiment":"neutral","sentiment_score":0.035307493060827255}],"sentiment":"neutral","sentiment_score":0.1505433609408717,"num_words":62,"start":1226.665,"end":1246.27},{"sentences":[{"text":"I'm sorry.","start":1246.27,"end":1246.67,"sentiment":"neutral","sentiment_score":-0.09294220805168152},{"text":"I do go through a lot of information with that, but is there anything that's come up question wise?","start":1246.67,"end":1251.535,"sentiment":"neutral","sentiment_score":-0.0683517369784807},{"text":"No?","start":1253.515,"end":1253.995,"sentiment":"neutral","sentiment_score":-0.23095190525054932},{"text":"Beautiful.","start":1253.995,"end":1254.495,"sentiment":"neutral","sentiment_score":0.2973129153251648},{"text":"All good.","start":1254.635,"end":1255.295,"sentiment":"neutral","sentiment_score":0.16431041806936264}],"sentiment":"neutral","sentiment_score":-0.043583422899246216,"num_words":25,"start":1246.27,"end":1255.295},{"sentences":[{"text":"Now I can also see here you are also currently salary sacrificing about a $120 and 26 per fortnight into super on top of your employer contributions, that is a great amount to be doing.","start":1255.755,"end":1267.37,"sentiment":"neutral","sentiment_score":0.27395000574844225},{"text":"It does start you well, and that compounding over the next twenty to thirty years is only gonna benefit you and your super.","start":1267.51,"end":1272.97,"sentiment":"positive","sentiment_score":0.48641004251397174},{"text":"Are you fairly comfortable with that amount?","start":1273.51,"end":1275.27,"sentiment":"neutral","sentiment_score":0.08313585871032306},{"text":"Did you wanna review the salary sacrifice amount, or are you happy just to keep it as it is?","start":1275.27,"end":1279.875,"sentiment":"neutral","sentiment_score":0.0012717505818919132},{"text":"Yep.","start":1282.335,"end":1282.735,"sentiment":"neutral","sentiment_score":0.17846602201461792}],"sentiment":"neutral","sentiment_score":0.2536501349771724,"num_words":85,"start":1255.755,"end":1282.735},{"sentences":[{"text":"Fantastic.","start":1282.735,"end":1283.235,"sentiment":"positive","sentiment_score":0.5397441387176514},{"text":"I'll note your income down here as being about 60,000 from employment.","start":1284.335,"end":1288.6749,"sentiment":"neutral","sentiment_score":0.2118031606078148},{"text":"Is that you're comfortable with me noting that down there?","start":1288.8949,"end":1291.695,"sentiment":"neutral","sentiment_score":0.11234850585460662},{"text":"Would you wanna change that figure at all?","start":1291.695,"end":1294.01,"sentiment":"neutral","sentiment_score":0.035198139026761055},{"text":"That sounds okay.","start":1296.2301,"end":1297.2101,"sentiment":"neutral","sentiment_score":0.12579227859775224}],"sentiment":"neutral","sentiment_score":0.14305379625190706,"num_words":34,"start":1282.735,"end":1297.2101},{"sentences":[{"text":"Beautiful.","start":1297.27,"end":1297.77,"sentiment":"positive","sentiment_score":0.4301879107952118},{"text":"And I have found here that you were able to save about a $150 on a weekly basis.","start":1298.7101,"end":1303.1101,"sentiment":"neutral","sentiment_score":0.17512233182787895},{"text":"Are you putting away any sort of dedicated savings, or is money a bit tight with the mortgage and the increase in interest rate?","start":1303.1101,"end":1309.5149,"sentiment":"neutral","sentiment_score":0.0002948901771257321},{"text":"Fantastic.","start":1317.255,"end":1317.755,"sentiment":"positive","sentiment_score":0.5358567237854004},{"text":"Lovely.","start":1321.83,"end":1322.33,"sentiment":"neutral","sentiment_score":0.3284536898136139}],"sentiment":"neutral","sentiment_score":0.09897283692326811,"num_words":45,"start":1297.27,"end":1322.33},{"sentences":[{"text":"Lovely.","start":1323.4299,"end":1323.9299,"sentiment":"neutral","sentiment_score":0.3050423860549927},{"text":"Lovely.","start":1324.07,"end":1324.5499,"sentiment":"neutral","sentiment_score":0.2501300275325775},{"text":"And you've only got one child?","start":1324.5499,"end":1326.4099,"sentiment":"neutral","sentiment_score":0.08220761145154636},{"text":"Lovely.","start":1328.07,"end":1328.57,"sentiment":"neutral","sentiment_score":0.17060348391532898},{"text":"I had done here that he was four in May last year, so he'd be five now?","start":1328.71,"end":1332.6499,"sentiment":"neutral","sentiment_score":0.10182377608383403}],"sentiment":"neutral","sentiment_score":0.11346252921682137,"num_words":26,"start":1323.4299,"end":1332.6499},{"sentences":[{"text":"Wow.","start":1334.705,"end":1335.205,"sentiment":"neutral","sentiment_score":0.17262905836105347},{"text":"That's incredible.","start":1335.825,"end":1336.8049,"sentiment":"neutral","sentiment_score":0.3048451542854309},{"text":"Oh, wow.","start":1337.105,"end":1337.585,"sentiment":"neutral","sentiment_score":0.18006842583417892},{"text":"They grew up so fast.","start":1337.585,"end":1338.625,"sentiment":"neutral","sentiment_score":0.10310142487287521},{"text":"My son just turned 10, and it was a little bit hard knowing it's the last time I'll ever have a 10 year old.","start":1338.625,"end":1343.605,"sentiment":"neutral","sentiment_score":-0.011947678208040694}],"sentiment":"neutral","sentiment_score":0.0403299725285786,"num_words":34,"start":1334.705,"end":1343.605},{"sentences":[{"text":"It is.","start":1347.105,"end":1347.855,"sentiment":"neutral","sentiment_score":-0.02711755596101284},{"text":"I know.","start":1349.95,"end":1350.59,"sentiment":"neutral","sentiment_score":0.0296707795932889},{"text":"And it's such a fun age between the ages sort of three to, like, 11.","start":1350.59,"end":1355.23,"sentiment":"neutral","sentiment_score":0.10318630288044611},{"text":"They're not in that teenager phase yet, but they're still able to do everything, have fun, and you don't have to carry too much baby stuff around with you anymore.","start":1355.23,"end":1363.01,"sentiment":"neutral","sentiment_score":0.18706455826759338},{"text":"Beautiful.","start":1366.155,"end":1366.655,"sentiment":"neutral","sentiment_score":0.29455628991127014}],"sentiment":"neutral","sentiment_score":0.1491878805682063,"num_words":50,"start":1347.105,"end":1366.655},{"sentences":[{"text":"We've double updated the mortgage there for you.","start":1367.6749,"end":1370.075,"sentiment":"neutral","sentiment_score":0.22425213875249028},{"text":"So you've got about 10,000 less than you had last time there.","start":1370.075,"end":1373.455,"sentiment":"neutral","sentiment_score":-0.03158625277380148},{"text":"With the main primary residence, would you change the valuation?","start":1373.995,"end":1377.62,"sentiment":"neutral","sentiment_score":-0.013955713715404272},{"text":"We had it valued at about 400,000 last year.","start":1377.68,"end":1380.4,"sentiment":"neutral","sentiment_score":-0.0138423808125986},{"text":"Would you update or alter that or change that valuation?","start":1380.4,"end":1382.8201,"sentiment":"neutral","sentiment_score":-0.0188381539657712}],"sentiment":"neutral","sentiment_score":0.019642081073656375,"num_words":49,"start":1367.6749,"end":1382.8201},{"sentences":[{"text":"Mhmm.","start":1396.3351,"end":1396.8351,"sentiment":"neutral","sentiment_score":-0.020999109372496605},{"text":"Okay.","start":1397.775,"end":1398.275,"sentiment":"neutral","sentiment_score":0.1928534060716629},{"text":"Beautiful.","start":1398.3351,"end":1398.8351,"sentiment":"positive","sentiment_score":0.6777133941650391},{"text":"That's excellent.","start":1400.015,"end":1400.995,"sentiment":"positive","sentiment_score":0.7909069657325745},{"text":"Lovely.","start":1401.295,"end":1401.795,"sentiment":"positive","sentiment_score":0.6592654585838318}],"sentiment":"positive","sentiment_score":0.5151078468188643,"num_words":6,"start":1396.3351,"end":1401.795},{"sentences":[{"text":"And I had your car down here.","start":1402.62,"end":1404.06,"sentiment":"neutral","sentiment_score":0.05278408420937402},{"text":"What kind of car do you drive?","start":1404.06,"end":1405.92,"sentiment":"neutral","sentiment_score":-0.0065088120422192985},{"text":"That's okay.","start":1411.5,"end":1412.38,"sentiment":"neutral","sentiment_score":-0.05070497468113899},{"text":"I had it at 6,000 last year.","start":1412.38,"end":1414.22,"sentiment":"neutral","sentiment_score":-0.031335050240159035},{"text":"Would you drop it to maybe $5.5.5, or a little bit less?","start":1414.22,"end":1417.395,"sentiment":"neutral","sentiment_score":-0.036092111530403294}],"sentiment":"neutral","sentiment_score":-0.012283820978232792,"num_words":35,"start":1402.62,"end":1417.395},{"sentences":[{"text":"Yep.","start":1420.675,"end":1421.155,"sentiment":"neutral","sentiment_score":-0.008886471390724182},{"text":"Beautiful.","start":1421.155,"end":1421.655,"sentiment":"neutral","sentiment_score":-0.022930607199668884},{"text":"No.","start":1422.835,"end":1423.0751,"sentiment":"neutral","sentiment_score":-0.10952754318714142},{"text":"That's okay.","start":1423.0751,"end":1423.895,"sentiment":"neutral","sentiment_score":0.036382574588060386},{"text":"Oh, that's good.","start":1426.675,"end":1427.895,"sentiment":"neutral","sentiment_score":0.27980637550354004}],"sentiment":"neutral","sentiment_score":0.0963549567386508,"num_words":8,"start":1420.675,"end":1427.895},{"sentences":[{"text":"Yes.","start":1428.435,"end":1428.935,"sentiment":"neutral","sentiment_score":0.09308990836143494},{"text":"And savings wise, we had you had about 10,000.","start":1429.95,"end":1432.51,"sentiment":"neutral","sentiment_score":0.012413896309832731},{"text":"And if you're still managing to put dedicated savings away, has that gone up a little bit?","start":1432.51,"end":1436.83,"sentiment":"neutral","sentiment_score":-0.012402468984124853},{"text":"Or 10,000.","start":1436.83,"end":1443.825,"sentiment":"neutral","sentiment_score":-0.006723183672875167},{"text":"Yep.","start":1447.965,"end":1448.465,"sentiment":"neutral","sentiment_score":0.05600597709417343}],"sentiment":"neutral","sentiment_score":0.001217753738941004,"num_words":30,"start":1428.435,"end":1448.465},{"sentences":[{"text":"That's absolutely fine.","start":1448.525,"end":1450.065,"sentiment":"neutral","sentiment_score":0.2862718055645625},{"text":"Yep.","start":1453.165,"end":1453.565,"sentiment":"neutral","sentiment_score":0.02409834787249565},{"text":"Absolutely.","start":1453.565,"end":1454.065,"sentiment":"neutral","sentiment_score":0.04409016668796539},{"text":"Perfect.","start":1457.36,"end":1457.86,"sentiment":"positive","sentiment_score":0.379423588514328},{"text":"I had done here goals as well that over the next sort of five years, you were looking to proceed with IVF and have another child.","start":1458.96,"end":1467.925,"sentiment":"neutral","sentiment_score":0.08462779954648934}],"sentiment":"neutral","sentiment_score":0.10958594712428749,"num_words":32,"start":1448.525,"end":1467.925},{"sentences":[{"text":"Is that still a goal that you're looking to do down the track, or have you started that?","start":1467.925,"end":1472.1051,"sentiment":"neutral","sentiment_score":0.040297982075976},{"text":"Oh, I'm so sorry.","start":1478.5651,"end":1480.185,"sentiment":"neutral","sentiment_score":-0.1799933947622776},{"text":"Yeah.","start":1483.25,"end":1483.75,"sentiment":"neutral","sentiment_score":-0.07544092833995819},{"text":"Is there a lot yeah.","start":1484.05,"end":1486.79,"sentiment":"neutral","sentiment_score":-0.1695133626461029},{"text":"It's a lot to go through to do that.","start":1486.85,"end":1488.6901,"sentiment":"neutral","sentiment_score":-0.2618255118529002}],"sentiment":"neutral","sentiment_score":-0.08848776351157073,"num_words":37,"start":1467.925,"end":1488.6901},{"sentences":[{"text":"I completely understand.","start":1488.6901,"end":1489.81,"sentiment":"neutral","sentiment_score":-0.08662620683511098},{"text":"I've got friends who are doing it at the moment, and it's a very emotional time to go through.","start":1489.81,"end":1494.39,"sentiment":"neutral","sentiment_score":-0.22306178980752042},{"text":"Are you how did you kinda go after?","start":1494.4501,"end":1497.095,"sentiment":"neutral","sentiment_score":-0.10452376678586006},{"text":"Because I know it's very sad and a very emotional time, but are you planning to kinda try again down the track, or you just get taking some time for yourself at the moment?","start":1497.095,"end":1505.495,"sentiment":"neutral","sentiment_score":-0.21005983606857412},{"text":"Or Yep.","start":1505.495,"end":1511.37,"sentiment":"neutral","sentiment_score":-0.035932429134845734}],"sentiment":"neutral","sentiment_score":-0.19012336432933807,"num_words":66,"start":1488.6901,"end":1511.37},{"sentences":[{"text":"Yep.","start":1512.23,"end":1512.73,"sentiment":"neutral","sentiment_score":-0.033635154366493225},{"text":"Yep.","start":1515.0299,"end":1515.5299,"sentiment":"neutral","sentiment_score":-0.035973649471998215},{"text":"Yeah.","start":1521.665,"end":1522.165,"sentiment":"neutral","sentiment_score":-0.02681579254567623},{"text":"Yeah.","start":1524.145,"end":1524.645,"sentiment":"neutral","sentiment_score":-0.009927657432854176},{"text":"Yeah.","start":1528.9451,"end":1529.4451,"sentiment":"neutral","sentiment_score":0.017213746905326843}],"sentiment":"neutral","sentiment_score":-0.017827701382339002,"num_words":5,"start":1512.23,"end":1529.4451},{"sentences":[{"text":"Yeah.","start":1529.505,"end":1530.005,"sentiment":"neutral","sentiment_score":0.05558622255921364},{"text":"We have with those.","start":1533.4401,"end":1534.66,"sentiment":"neutral","sentiment_score":0.05133965611457825},{"text":"Absolutely.","start":1534.72,"end":1535.22,"sentiment":"neutral","sentiment_score":0.2831724286079407},{"text":"Absolutely.","start":1535.76,"end":1536.26,"sentiment":"neutral","sentiment_score":0.2049672156572342},{"text":"I also had it noted down here that, obviously, paying down the mortgage is a big goal in the next sort of five years.","start":1537.52,"end":1542.56,"sentiment":"neutral","sentiment_score":0.10172541470577319}],"sentiment":"neutral","sentiment_score":0.10291917562004059,"num_words":31,"start":1529.505,"end":1542.56},{"sentences":[{"text":"Do you have a goal amount that you're trying to sort of pay the mortgage down by, or are you just adding extra onto it and sort of seeing how much you can chip away?","start":1542.56,"end":1550.0449,"sentiment":"neutral","sentiment_score":0.03594721082065787},{"text":"Yep.","start":1557.88,"end":1558.12,"sentiment":"neutral","sentiment_score":0.06966905295848846},{"text":"Beautiful.","start":1558.12,"end":1558.62,"sentiment":"positive","sentiment_score":0.4267855882644654},{"text":"Yep.","start":1566.04,"end":1566.44,"sentiment":"neutral","sentiment_score":0.19910356402397156},{"text":"Which is fantastic.","start":1566.44,"end":1567.34,"sentiment":"positive","sentiment_score":0.5677664478619894}],"sentiment":"neutral","sentiment_score":0.08919536408672972,"num_words":41,"start":1542.56,"end":1567.34},{"sentences":[{"text":"Extra payments.","start":1567.96,"end":1568.78,"sentiment":"neutral","sentiment_score":0.3213859498500824},{"text":"Beautiful.","start":1569.32,"end":1569.82,"sentiment":"positive","sentiment_score":0.5047677755355835},{"text":"Over time and go and this is a long time that the tracking could absolutely change, but you wanted to be fully debt free to have the house fully paid off by the time you access super.","start":1571.135,"end":1580.4349,"sentiment":"neutral","sentiment_score":0.15697266966909976},{"text":"Would like to have a new car by that time, and also just wanted to travel to destinations like Europe and New Zealand, whenever you wanted to.","start":1580.975,"end":1589.12,"sentiment":"neutral","sentiment_score":0.1562036841555878},{"text":"Is that still fairly accurate unchanged?","start":1589.12,"end":1591.14,"sentiment":"neutral","sentiment_score":0.061549242585897446}],"sentiment":"neutral","sentiment_score":0.15811401891381774,"num_words":73,"start":1567.96,"end":1591.14},{"sentences":[{"text":"Yep.","start":1593.12,"end":1593.62,"sentiment":"neutral","sentiment_score":0.17419587075710297},{"text":"Beautiful.","start":1593.8401,"end":1594.3401,"sentiment":"positive","sentiment_score":0.41776496171951294},{"text":"I had down here that you were hoping to access super by age 65.","start":1594.9601,"end":1598.705,"sentiment":"neutral","sentiment_score":0.07667295448482037},{"text":"Are you still thinking that's the age you might want to that can change on the track and you don't have to decide now, but are you still sort of tracking towards that goal, or would you like me to make it the earliest opportunity, say 60?","start":1598.705,"end":1609.845,"sentiment":"neutral","sentiment_score":0.044010653854050535},{"text":"Yeah.","start":1617.6299,"end":1618.1299,"sentiment":"neutral","sentiment_score":-0.035521429032087326}],"sentiment":"neutral","sentiment_score":0.057786898396443576,"num_words":64,"start":1593.12,"end":1618.1299},{"sentences":[{"text":"That's that's honestly okay.","start":1619.23,"end":1621.23,"sentiment":"positive","sentiment_score":0.40042904019355774},{"text":"Not a problem at all.","start":1621.23,"end":1622.61,"sentiment":"positive","sentiment_score":0.3503158211708069},{"text":"I've confirmed your goal with your insurances.","start":1622.895,"end":1624.8151,"sentiment":"positive","sentiment_score":0.37249226229531424},{"text":"We've looked at what that is, and they still remain appropriate at the moment.","start":1624.8151,"end":1627.775,"sentiment":"neutral","sentiment_score":0.22145345487764903},{"text":"But if anything changes there, do let me know.","start":1627.775,"end":1630.115,"sentiment":"neutral","sentiment_score":0.034820922960837684}],"sentiment":"neutral","sentiment_score":0.24037122506743822,"num_words":39,"start":1619.23,"end":1630.115},{"sentences":[{"text":"Just so you are aware, insurance wise as well, like, you've got life keeping the income protection, but there are other types of insurances.","start":1630.495,"end":1636.595,"sentiment":"neutral","sentiment_score":0.010771817915762464},{"text":"And, I mean, you can, essentially, with all the types of insurances out there, insure everything to the health, which costs us a a huge amount of money every year.","start":1636.735,"end":1645.23,"sentiment":"neutral","sentiment_score":-0.0035730525230367976},{"text":"But there are other types of insurance like trauma, which pays out a lump sum benefit in the event that you're diagnosed with a major traumatic condition, things like cancer, heart attack, strokes, neurological conditions like MS and Parkinson's are also considered in those.","start":1645.61,"end":1661.5349,"sentiment":"neutral","sentiment_score":0.0035833274014294147},{"text":"It is an out of pocket expense, and you can also get insurance like child trauma as well, which pay out lump sum tax free benefits in the event that your child is diagnosed with a major traumatic condition.","start":1661.9149,"end":1673.4299,"sentiment":"neutral","sentiment_score":0.08748664377400509},{"text":"So there are those other benefits, and other types of insurances that you can also obtain or apply for.","start":1673.49,"end":1680.39,"sentiment":"neutral","sentiment_score":0.06320645346453316}],"sentiment":"neutral","sentiment_score":0.03155064219847704,"num_words":156,"start":1630.495,"end":1680.39},{"sentences":[{"text":"Did you wanna look at maybe getting anything additional or you're happy just with what you've got there at the moment, not wanting to yeah.","start":1680.5651,"end":1688.645,"sentiment":"neutral","sentiment_score":0.007382836043834685},{"text":"Beautiful.","start":1688.645,"end":1689.145,"sentiment":"positive","sentiment_score":0.678249716758728},{"text":"Fantastic.","start":1689.285,"end":1689.785,"sentiment":"positive","sentiment_score":0.6694486141204834},{"text":"And down the track, if you decide you wanted to sort of put a put money away and start to invest for your son for his future as well.","start":1690.245,"end":1697.4299,"sentiment":"neutral","sentiment_score":0.25315817265674984},{"text":"We do have access to other investments.","start":1697.57,"end":1699.51,"sentiment":"neutral","sentiment_score":0.12212474111999784}],"sentiment":"neutral","sentiment_score":0.15442427661683825,"num_words":63,"start":1680.5651,"end":1699.51},{"sentences":[{"text":"So as licensed advisers, we look at your super insurance, it says, but we can provide advice in other areas.","start":1699.65,"end":1705.51,"sentiment":"neutral","sentiment_score":0.14858823046088218},{"text":"We have access to, like, child bonds and things, which is putting money into investment products for, you know, the next ten to twenty odd years to benefit your child down the track.","start":1705.8099,"end":1715.635,"sentiment":"neutral","sentiment_score":0.20856255970217966},{"text":"So we can also help you in those areas, look at investing outside of Super if you're wanting to do that as well so that we can help to hopefully get you access to funds before 60 if you decide you wanna look at retiring earlier or just building your space in there elsewhere.","start":1715.635,"end":1729.68,"sentiment":"neutral","sentiment_score":0.25711888957906653},{"text":"So feel free to come back and let us know if there's other sort of goals or other, you know, investment opportunities that you do wanna look at as well.","start":1730.22,"end":1736.995,"sentiment":"neutral","sentiment_score":0.23355924139420192},{"text":"Okay?","start":1737.0549,"end":1737.5549,"sentiment":"neutral","sentiment_score":0.15971985459327698}],"sentiment":"neutral","sentiment_score":0.22395105951506158,"num_words":138,"start":1699.65,"end":1737.5549},{"sentences":[{"text":"Excellent.","start":1738.575,"end":1739.075,"sentiment":"positive","sentiment_score":0.6717023849487305},{"text":"The only other thing just to double check here is, the estate planning side of things.","start":1739.855,"end":1743.855,"sentiment":"neutral","sentiment_score":0.2227196739986539},{"text":"Now I can see you did have a will and power of attorney all set up.","start":1743.855,"end":1747.39,"sentiment":"neutral","sentiment_score":0.23205736838281155},{"text":"You are still comfortable.","start":1747.39,"end":1748.51,"sentiment":"positive","sentiment_score":0.3383757770061493},{"text":"That still reflects your wishes.","start":1748.51,"end":1750.13,"sentiment":"neutral","sentiment_score":0.2928366601467133}],"sentiment":"neutral","sentiment_score":0.256329082662151,"num_words":42,"start":1738.575,"end":1750.13},{"sentences":[{"text":"Yep.","start":1751.71,"end":1752.19,"sentiment":"neutral","sentiment_score":0.22537975013256073},{"text":"Beautiful.","start":1752.19,"end":1752.69,"sentiment":"positive","sentiment_score":0.4409000873565674},{"text":"And just double checking with your beneficiaries here as well.","start":1752.75,"end":1755.71,"sentiment":"neutral","sentiment_score":0.19405704736709595},{"text":"So I have it down that you wanted a 100% of the beneficiary to be paid to Hayden, and you want that for your super and your life insurance.","start":1755.71,"end":1762.525,"sentiment":"neutral","sentiment_score":0.12223603987488253},{"text":"Is that correct?","start":1762.525,"end":1763.345,"sentiment":"neutral","sentiment_score":0.07732780029376347}],"sentiment":"neutral","sentiment_score":0.14508361064574934,"num_words":44,"start":1751.71,"end":1763.345},{"sentences":[{"text":"Yep.","start":1764.605,"end":1765.005,"sentiment":"neutral","sentiment_score":0.17125511169433594},{"text":"Beautiful.","start":1765.005,"end":1765.505,"sentiment":"positive","sentiment_score":0.4531841278076172},{"text":"The beneficiary you have is a binding nonlapsing.","start":1765.565,"end":1767.905,"sentiment":"neutral","sentiment_score":0.29138450883328915},{"text":"It is honestly the best kind of beneficiary nomination.","start":1768.045,"end":1770.7201,"sentiment":"neutral","sentiment_score":0.33034839895036483},{"text":"It binds the trustee to follow the direction, and non lapsing means you only have to fill that format once.","start":1770.7201,"end":1776.18,"sentiment":"neutral","sentiment_score":0.19798416197299956}],"sentiment":"neutral","sentiment_score":0.25354702923542416,"num_words":39,"start":1764.605,"end":1776.18},{"sentences":[{"text":"We will just review it with you each year so that when and if you decide to have that updated, we can make sure that directive is followed for you.","start":1776.24,"end":1783.28,"sentiment":"neutral","sentiment_score":0.21660001029570897},{"text":"Okay?","start":1783.28,"end":1783.78,"sentiment":"neutral","sentiment_score":0.18455742299556732},{"text":"Excellent.","start":1785.345,"end":1785.845,"sentiment":"positive","sentiment_score":0.5069640874862671},{"text":"In that DocuSign, you will see a copy of all the documents that I have gone through.","start":1786.3049,"end":1790.3049,"sentiment":"neutral","sentiment_score":0.27113421962541695},{"text":"So you've got your MetLife policy, the summary of Superann Insurance as your hub twenty four investment information as well.","start":1790.3049,"end":1796.545,"sentiment":"neutral","sentiment_score":0.27414619028568266}],"sentiment":"neutral","sentiment_score":0.2504598167927369,"num_words":69,"start":1776.24,"end":1796.545},{"sentences":[{"text":"It's also got the ongoing service agreement there.","start":1796.545,"end":1798.9199,"sentiment":"neutral","sentiment_score":0.1910928227007389},{"text":"So you do pay us an ongoing service fee of 1.65% per annum, and that is deducted in small sorry, monthly increments and deducted out of your super.","start":1798.9199,"end":1808.0599,"sentiment":"neutral","sentiment_score":0.1893243800316538},{"text":"If you're happy to stay on board and wanted to keep providing advice and looking after things, I'll just get you to sign and return that one back for me at your earliest opportunity.","start":1808.44,"end":1815.7151,"sentiment":"positive","sentiment_score":0.3562401778557721},{"text":"And in the meantime, I'll go back and do a bit of research around the super the investors, and I'll come back and update the recommendation for you.","start":1816.255,"end":1823.555,"sentiment":"neutral","sentiment_score":0.25938642397522926},{"text":"Okay?","start":1823.6951,"end":1824.1951,"sentiment":"neutral","sentiment_score":0.24744869768619537}],"sentiment":"neutral","sentiment_score":0.2671945438240514,"num_words":99,"start":1796.545,"end":1824.1951},{"sentences":[{"text":"Excellent.","start":1826.4701,"end":1826.55,"sentiment":"positive","sentiment_score":0.5110726952552795},{"text":"Is there anything else that you think I might have missed or needed to touch on that your any other questions that might have come out of any of it?","start":1826.55,"end":1832.65,"sentiment":"neutral","sentiment_score":0.23876741578181584},{"text":"No?","start":1834.63,"end":1834.8701,"sentiment":"neutral","sentiment_score":0.04484822228550911},{"text":"Excellent.","start":1834.8701,"end":1835.3501,"sentiment":"neutral","sentiment_score":0.3288578391075134},{"text":"And you're happy to sort of stay in that growth environment?","start":1835.3501,"end":1837.77,"sentiment":"positive","sentiment_score":0.434850584376942}],"sentiment":"neutral","sentiment_score":0.2916172195056623,"num_words":44,"start":1826.4701,"end":1837.77},{"sentences":[{"text":"Are you sort of wanting to look at reducing the risk level at the moment?","start":1837.9901,"end":1841.2101,"sentiment":"neutral","sentiment_score":-0.08650295908252398},{"text":"Yeah.","start":1843.5651,"end":1843.885,"sentiment":"positive","sentiment_score":0.5743124485015869},{"text":"All good.","start":1843.885,"end":1844.3651,"sentiment":"positive","sentiment_score":0.6013737320899963},{"text":"I think one of yeah.","start":1844.3651,"end":1846.3651,"sentiment":"neutral","sentiment_score":0.09765694811940193},{"text":"I mean, realistically, with where you're at, it sort of suits your time horizon when you consider risk out of a number between one and five, five being the highest risk, one being the lowest.","start":1846.3651,"end":1855.645,"sentiment":"neutral","sentiment_score":0.028610121884516306}],"sentiment":"neutral","sentiment_score":0.033950940224117244,"num_words":58,"start":1837.9901,"end":1855.645},{"sentences":[{"text":"You're sort of sitting at about a three, so sort of in the middle range there.","start":1855.645,"end":1859.56,"sentiment":"neutral","sentiment_score":0.017005575355142355},{"text":"The only sort of question I wanted to double check is with if you saw the market fall in the next sort of, say, six to twelve months and it fell by, say, 20%, do you think you'd be feeling kinda concerned about that nervous, or would you sort of not be worried about the market falling knowing you're not accessing SuperNow?","start":1859.9401,"end":1877.345,"sentiment":"neutral","sentiment_score":-0.1720518180800061},{"text":"How do you think you might react?","start":1877.405,"end":1878.865,"sentiment":"neutral","sentiment_score":-0.1331286526152066},{"text":"Yes.","start":1886.7001,"end":1887.2001,"sentiment":"neutral","sentiment_score":-0.03139490261673927},{"text":"Yeah.","start":1887.74,"end":1888.24,"sentiment":"neutral","sentiment_score":-0.03869820386171341}],"sentiment":"neutral","sentiment_score":-0.13100134701221838,"num_words":87,"start":1855.645,"end":1888.24},{"sentences":[{"text":"Do you think you'd be likely to give us a call, maybe have a chat about what's happening, hold on, and just sort of wade through that downtime?","start":1888.7001,"end":1894.64,"sentiment":"neutral","sentiment_score":-0.08182807692459651},{"text":"Yep.","start":1897.275,"end":1897.775,"sentiment":"neutral","sentiment_score":0.053326305001974106},{"text":"Beautiful.","start":1897.995,"end":1898.475,"sentiment":"neutral","sentiment_score":0.1705089807510376},{"text":"And the yeah.","start":1898.475,"end":1900.255,"sentiment":"neutral","sentiment_score":-0.006413720548152924},{"text":"You're right.","start":1900.315,"end":1901.0549,"sentiment":"neutral","sentiment_score":-0.02314913272857666}],"sentiment":"neutral","sentiment_score":-0.06093972272106579,"num_words":35,"start":1888.7001,"end":1901.0549},{"sentences":[{"text":"Yep.","start":1904.715,"end":1905.215,"sentiment":"neutral","sentiment_score":0.1455835998058319},{"text":"Absolutely.","start":1906.395,"end":1906.895,"sentiment":"neutral","sentiment_score":0.14184054732322693},{"text":"And the last one I wanted to double check here was, have you ever considered borrowing in order to invest in shares or managed funds, or would you only wanna borrow from a financial institution in order to buy property, do you think?","start":1907.115,"end":1918.4701,"sentiment":"neutral","sentiment_score":0.025945270737243252},{"text":"The second one?","start":1921.6649,"end":1922.465,"sentiment":"neutral","sentiment_score":0.0688344140847524},{"text":"Beautiful.","start":1922.465,"end":1922.865,"sentiment":"neutral","sentiment_score":0.3001590371131897}],"sentiment":"neutral","sentiment_score":0.038974144248938074,"num_words":49,"start":1904.715,"end":1922.865},{"sentences":[{"text":"Do you wanna have any additional properties in the future?","start":1922.865,"end":1925.1849,"sentiment":"neutral","sentiment_score":0.1528639703989029},{"text":"Are you happy with the one you've got?","start":1925.1849,"end":1926.705,"sentiment":"neutral","sentiment_score":0.2048404198139906},{"text":"Are you wanting to invest in other 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okay.","start":1950.885,"end":1951.6849,"sentiment":"neutral","sentiment_score":0.08821507293032482}],"sentiment":"neutral","sentiment_score":-0.00535690929973498,"num_words":6,"start":1938.64,"end":1951.6849},{"sentences":[{"text":"That's absolutely fine.","start":1951.6849,"end":1952.965,"sentiment":"positive","sentiment_score":0.5917962789535522},{"text":"That's beautiful.","start":1952.965,"end":1953.7849,"sentiment":"positive","sentiment_score":0.8473911285400391},{"text":"Thank you so much for that.","start":1953.845,"end":1955.0449,"sentiment":"positive","sentiment_score":0.8654968837896982},{"text":"Well, look, I will let you go to enjoy your day.","start":1955.0449,"end":1957.2849,"sentiment":"positive","sentiment_score":0.6420471451499246},{"text":"I hope your son enjoys his week back at 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day.","start":1977.539,"end":1978.439,"sentiment":"positive","sentiment_score":0.7931133111317953}],"sentiment":"positive","sentiment_score":0.38999150155319107,"num_words":72,"start":1961.37,"end":1978.439},{"sentences":[{"text":"Thank you.","start":1980.499,"end":1980.979,"sentiment":"positive","sentiment_score":0.6032889783382416},{"text":"Talk to you soon.","start":1980.979,"end":1981.7789,"sentiment":"positive","sentiment_score":0.448687307536602},{"text":"See you later.","start":1981.7789,"end":1982.599,"sentiment":"positive","sentiment_score":0.3377813895543416},{"text":"Bye.","start":1983.299,"end":1983.799,"sentiment":"neutral","sentiment_score":-0.10534893721342088}],"sentiment":"positive","sentiment_score":0.3909322418272495,"num_words":10,"start":1980.499,"end":1983.799}]}}]},{"alternatives":[{"transcript":"Caitlin speaking. Well, thanks. How are you? Yeah. Sure. Not too bad. Just a school drop off. Very glad. Very glad back to school. Yeah. Go for it. Caitlin Edwards. Agents of fifth nineteen ninety in 12 O'Keefe Street, Leichhardt. Not at the moment. No. Yes. No. That's okay. Not at the moment. No. Thank you. Oh, wow. Because I just did my went into the the ATO thing for my tax, and it was bidding at a 125. But it hasn't come over then. Sure. Mhmm. Not really. No. I figure it's just doing its thing. Yeah. Yeah. I don't like to faff around with it. I figure if something's going I figure if something's going wrong, you guys will let me know. Yeah. That's alright. Yeah. Sure. No. Not really. I don't have any questions. Look. I'm happy either way. I don't really have a preference at the minute. Mhmm. Yeah. Sounds great. Awesome. Sounds great. Mhmm. It's probably only reduced a little bit, maybe about 10,000. It's not the most amazing interest rate, but they love me. I know. I'm even paying over the No. I think that would be fine for the minute. I think yeah. As long as it paid off the house and set up little little man for his education, that kind of thing. Well, that's not including my single parenting payment for Centrelink, so it's probably closer to the 80,000. Yes. Yeah. Yeah. I think so. No. I think that would be fine at the minute. Cool. Yes. I did I did hear that I had somebody I work with say to access their super to do some sort of surgery, and they didn't realize that, like, it was taxed. And and they had this, like, massive debt to Centrelink and all kinds of things. And I was like, I'm never touching mine ever. Yep. Yes. Yeah. Yeah. Shit. I think it's comfortable at that moment. Oh, I'm not in childcare. I was like, oh my god. It's about the 60,000. I know Centrelink's 26. So, yeah, around the 60,000, I think. Mhmm. I think it would be fine. I think so. Cool. Excellent. Cool. Sounds good. Not at the moment. No. No. I'm happy to keep it as is. No. I don't think so. No. I'm pretty good with that. I've got a whole budget and everything, and money goes direct debit into other accounts and that kind of thing. Yes. Yeah. He's in prep very exciting morning. I know. It's awful. You're like, I want you to say little, but I want you to grow up. No. It did probably have to go up. I think it's around the $5.50 or so. It's a Kia Rio. It's probably gone down in value. Maybe $4.4.5. I don't think they were worth much anymore, and it's been very loved by my son. So probably yeah. I'm gonna leave it at yeah. Let's leave it at that for the minute because I've done some renos and we've had some trips, so probably gone up and down. I did it last year and it took and then, unfortunately, it didn't work out. So That's okay. The risks you take. I'm just taking some time at the minute. So it yeah. I'm not sure if I would like to, but whether there's other factors. You know? It's a lot of money, and whatever I decide to do impacts the little one that I have a lot. So there's a lot to take into consideration. So I'm just sitting with it, enjoying his first year of prep, and we'll see what next year holds. Just seeing how much I can chip away. So I pay about an extra 60 or 70 a week down. So, yeah, I'm paying it weekly now rather than fortnightly or monthly. Yeah. Pretty much. No. Let's stick with 65. I don't know what the what life's gonna look like down the track. I'm happy with what I've got at the minute. Okay. Yes. Yes. Fantastic. Awesome. No. I think I'm all good. No. I think we're all good. Happy with where things at. Oh, I think I'd have an initial panic, and then I think it'd be fine. Yeah. Given I'm not accessing it for a while, it's got time to bounce back. I'd probably just wait. If I had anything any, like, absolute massive panic side, give you a call, but I think everything would be pretty fine. The second. Yeah. It's not a a goal as such. 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speaking. Well, thanks. How are you? Yeah. Sure.\n\nNot too bad. Just a school drop off. Very glad. Very glad back to school. Yeah.\n\nGo for it. Caitlin Edwards. Agents of fifth nineteen ninety in 12 O'Keefe Street, Leichhardt. Not at the moment. No.\n\nYes. No. That's okay. Not at the moment. No.\n\nThank you. Oh, wow. Because I just did my went into the the ATO thing for my tax, and it was bidding at a 125. But it hasn't come over then. Sure.\n\nMhmm. Not really. No. I figure it's just doing its thing. Yeah.\n\nYeah. I don't like to faff around with it. I figure if something's going I figure if something's going wrong, you guys will let me know. Yeah. That's alright.\n\nYeah. Sure. No. Not really. I don't have any questions.\n\nLook. I'm happy either way. I don't really have a preference at the minute. Mhmm. Yeah.\n\nSounds great. Awesome. Sounds great. Mhmm. It's probably only reduced a little bit, maybe about 10,000.\n\nIt's not the most amazing interest rate, but they love me. I know. I'm even paying over the No. I think that would be fine for the minute. I think yeah.\n\nAs long as it paid off the house and set up little little man for his education, that kind of thing. Well, that's not including my single parenting payment for Centrelink, so it's probably closer to the 80,000. Yes. Yeah. Yeah.\n\nI think so. No. I think that would be fine at the minute. Cool. Yes.\n\nI did I did hear that I had somebody I work with say to access their super to do some sort of surgery, and they didn't realize that, like, it was taxed. And and they had this, like, massive debt to Centrelink and all kinds of things. And I was like, I'm never touching mine ever. Yep. Yes.\n\nYeah. Yeah. Shit. I think it's comfortable at that moment. Oh, I'm not in childcare.\n\nI was like, oh my god. It's about the 60,000. I know Centrelink's 26. So, yeah, around the 60,000, I think. Mhmm.\n\nI think it would be fine. I think so. Cool. Excellent. Cool.\n\nSounds good. Not at the moment. No. No. I'm happy to keep it as is.\n\nNo. I don't think so. No. I'm pretty good with that. I've got a whole budget and everything, and money goes direct debit into other accounts and that kind of thing.\n\nYes. Yeah. He's in prep very exciting morning. I know. It's awful.\n\nYou're like, I want you to say little, but I want you to grow up. No. It did probably have to go up. I think it's around the $5.50 or so. It's a Kia Rio.\n\nIt's probably gone down in value. Maybe $4.4.5. I don't think they were worth much anymore, and it's been very loved by my son. So probably yeah. I'm gonna leave it at yeah.\n\nLet's leave it at that for the minute because I've done some renos and we've had some trips, so probably gone up and down. I did it last year and it took and then, unfortunately, it didn't work out. So That's okay. The risks you take. I'm just taking some time at the minute.\n\nSo it yeah. I'm not sure if I would like to, but whether there's other factors. You know? It's a lot of money, and whatever I decide to do impacts the little one that I have a lot. So there's a lot to take into consideration.\n\nSo I'm just sitting with it, enjoying his first year of prep, and we'll see what next year holds. Just seeing how much I can chip away. So I pay about an extra 60 or 70 a week down. So, yeah, I'm paying it weekly now rather than fortnightly or monthly. Yeah.\n\nPretty much. No. Let's stick with 65. I don't know what the what life's gonna look like down the track. I'm happy with what I've got at the minute.\n\nOkay. Yes. Yes. Fantastic. Awesome.\n\nNo. I think I'm all good. No. I think we're all good. Happy with where things at.\n\nOh, I think I'd have an initial panic, and then I think it'd be fine. Yeah. Given I'm not accessing it for a while, it's got time to bounce back. I'd probably just wait. If I had anything any, like, absolute massive panic side, give you a call, but I think everything would be pretty fine.\n\nThe second. Yeah. It's not a a goal as such. I mean, if something was to come up and it was, you know, perfect and, you know, all the planets had aligned and that kind of thing, yeah, maybe, but not not specifically looking for anything. Awesome.\n\nSounds great. Thank you. You too. Bye.","paragraphs":[{"sentences":[{"text":"Caitlin speaking.","start":0.56,"end":1.54,"sentiment":"neutral","sentiment_score":0.03386393003165722},{"text":"Well, thanks.","start":6.24,"end":6.8799996,"sentiment":"positive","sentiment_score":0.41740942001342773},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.27386854588985443},{"text":"Yeah.","start":13.5199995,"end":13.84,"sentiment":"neutral","sentiment_score":0.19622136652469635},{"text":"Sure.","start":13.84,"end":14.34,"sentiment":"neutral","sentiment_score":0.3171122968196869}],"sentiment":"neutral","sentiment_score":0.24860955567823517,"num_words":9,"start":0.56,"end":14.34},{"sentences":[{"text":"Not too bad.","start":17.925,"end":18.564999,"sentiment":"neutral","sentiment_score":0.0923103503882885},{"text":"Just a school drop off.","start":18.564999,"end":20.025,"sentiment":"neutral","sentiment_score":0.009834907948970795},{"text":"Very 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questions.","start":451.63,"end":452.85,"sentiment":"neutral","sentiment_score":-0.12034805864095688}],"sentiment":"neutral","sentiment_score":-0.08691715821623802,"num_words":10,"start":365.22,"end":452.85},{"sentences":[{"text":"Look.","start":501.01498,"end":501.175,"sentiment":"neutral","sentiment_score":0.0019039837643504145},{"text":"I'm happy either way.","start":501.175,"end":502.455,"sentiment":"neutral","sentiment_score":0.03222485282458365},{"text":"I don't really have a preference at the minute.","start":502.455,"end":505.75497,"sentiment":"neutral","sentiment_score":-0.04852959793061018},{"text":"Mhmm.","start":529.725,"end":530.225,"sentiment":"neutral","sentiment_score":0.035245589911937714},{"text":"Yeah.","start":543.24,"end":543.56,"sentiment":"neutral","sentiment_score":0.12744596600532532}],"sentiment":"neutral","sentiment_score":-0.008954464399721473,"num_words":16,"start":501.01498,"end":543.56},{"sentences":[{"text":"Sounds great.","start":543.56,"end":544.3,"sentiment":"positive","sentiment_score":0.39364834129810333},{"text":"Awesome.","start":556.805,"end":557.125,"sentiment":"positive","sentiment_score":0.5633814334869385},{"text":"Sounds great.","start":557.125,"end":557.94495,"sentiment":"positive","sentiment_score":0.5965597927570343},{"text":"Mhmm.","start":589.65,"end":590.15,"sentiment":"neutral","sentiment_score":-0.0037315571680665016},{"text":"It's probably only reduced a little bit, maybe about 10,000.","start":605.495,"end":610.07495,"sentiment":"neutral","sentiment_score":-0.08813921473920346}],"sentiment":"neutral","sentiment_score":0.10366712481481954,"num_words":16,"start":543.56,"end":610.07495},{"sentences":[{"text":"It's not the most amazing interest rate, but they love me.","start":615.05,"end":618.43,"sentiment":"neutral","sentiment_score":-0.010526441037654875},{"text":"I know.","start":619.53,"end":620.27,"sentiment":"neutral","sentiment_score":-0.03861341439187527},{"text":"I'm even paying over the No.","start":621.37,"end":646.41,"sentiment":"neutral","sentiment_score":-0.036531906419744097},{"text":"I think that would be fine for the minute.","start":646.41,"end":649.47,"sentiment":"neutral","sentiment_score":-0.06833992153406143},{"text":"I think yeah.","start":649.85,"end":652.81,"sentiment":"neutral","sentiment_score":0.08539450665314992}],"sentiment":"neutral","sentiment_score":-0.02487370621172651,"num_words":31,"start":615.05,"end":652.81},{"sentences":[{"text":"As long as it paid off the house and set up little little man for his education, that kind of thing.","start":652.81,"end":660.185,"sentiment":"neutral","sentiment_score":0.055209686003980185},{"text":"Well, that's not including my single parenting payment for Centrelink, so it's probably closer to the 80,000.","start":668.005,"end":678.47003,"sentiment":"neutral","sentiment_score":-0.07119513868682963},{"text":"Yes.","start":697.15497,"end":697.65497,"sentiment":"neutral","sentiment_score":0.01741938292980194},{"text":"Yeah.","start":726.495,"end":726.995,"sentiment":"neutral","sentiment_score":-0.07723315060138702},{"text":"Yeah.","start":727.055,"end":727.375,"sentiment":"neutral","sentiment_score":-0.02617756649851799}],"sentiment":"neutral","sentiment_score":-0.0033391533112834865,"num_words":41,"start":652.81,"end":727.375},{"sentences":[{"text":"I think so.","start":727.375,"end":728.435,"sentiment":"neutral","sentiment_score":0.060948881010214485},{"text":"No.","start":730.10004,"end":730.34,"sentiment":"neutral","sentiment_score":-0.24124613404273987},{"text":"I think that would be fine at the minute.","start":730.34,"end":732.28,"sentiment":"neutral","sentiment_score":-0.1429940847059091},{"text":"Cool.","start":753.115,"end":753.615,"sentiment":"positive","sentiment_score":0.5436697006225586},{"text":"Yes.","start":793.05,"end":793.45,"sentiment":"negative","sentiment_score":-0.6283900141716003}],"sentiment":"neutral","sentiment_score":-0.09533777112762133,"num_words":15,"start":727.375,"end":793.45},{"sentences":[{"text":"I did I did hear that I had somebody I work with say to access their super to do some sort of surgery, and they didn't realize that, like, it was taxed.","start":793.45,"end":808.4,"sentiment":"neutral","sentiment_score":-0.17129195563029498},{"text":"And and they had this, like, massive debt to Centrelink and all kinds of things.","start":808.4,"end":814.16003,"sentiment":"neutral","sentiment_score":-0.25950044641892117},{"text":"And I was like, I'm never touching mine ever.","start":814.16003,"end":816.58,"sentiment":"neutral","sentiment_score":-0.31983060306972927},{"text":"Yep.","start":824.565,"end":825.065,"sentiment":"neutral","sentiment_score":-0.03581271320581436},{"text":"Yes.","start":844.02,"end":844.395,"sentiment":"neutral","sentiment_score":-0.2184959053993225}],"sentiment":"neutral","sentiment_score":-0.21563160901182685,"num_words":58,"start":793.45,"end":844.395},{"sentences":[{"text":"Yeah.","start":859.22003,"end":859.72003,"sentiment":"neutral","sentiment_score":-0.15246593952178955},{"text":"Yeah.","start":883.28503,"end":883.78503,"sentiment":"neutral","sentiment_score":0.22983068227767944},{"text":"Shit.","start":911.095,"end":911.595,"sentiment":"neutral","sentiment_score":-0.04707437753677368},{"text":"I think it's comfortable at that moment.","start":939.22,"end":941.08,"sentiment":"neutral","sentiment_score":0.14311573122228896},{"text":"Oh, I'm not in childcare.","start":1040.095,"end":1041.315,"sentiment":"neutral","sentiment_score":-0.08734879270195961}],"sentiment":"neutral","sentiment_score":0.039690434684356055,"num_words":15,"start":859.22003,"end":1041.315},{"sentences":[{"text":"I was like, oh my god.","start":1044.495,"end":1045.955,"sentiment":"neutral","sentiment_score":-0.0913523134465019},{"text":"It's about the 60,000.","start":1053.93,"end":1056.73,"sentiment":"neutral","sentiment_score":0.028904009144753218},{"text":"I know Centrelink's 26.","start":1056.73,"end":1059.23,"sentiment":"neutral","sentiment_score":0.018490564543753862},{"text":"So, yeah, around the 60,000, I think.","start":1062.65,"end":1066.03,"sentiment":"neutral","sentiment_score":0.01709087977984122},{"text":"Mhmm.","start":1105.005,"end":1105.505,"sentiment":"neutral","sentiment_score":0.0295477993786335}],"sentiment":"neutral","sentiment_score":-0.00951598309488459,"num_words":22,"start":1044.495,"end":1105.505},{"sentences":[{"text":"I think it would be fine.","start":1128.1951,"end":1130.535,"sentiment":"neutral","sentiment_score":0.2030622735619545},{"text":"I think so.","start":1132.595,"end":1133.5751,"sentiment":"neutral","sentiment_score":0.19209403793017069},{"text":"Cool.","start":1162.3251,"end":1162.8251,"sentiment":"positive","sentiment_score":0.6337447166442871},{"text":"Excellent.","start":1194.7101,"end":1195.2101,"sentiment":"positive","sentiment_score":0.5299622416496277},{"text":"Cool.","start":1227.48,"end":1227.64,"sentiment":"positive","sentiment_score":0.3706101179122925}],"sentiment":"neutral","sentiment_score":0.2774144026140372,"num_words":12,"start":1128.1951,"end":1227.64},{"sentences":[{"text":"Sounds good.","start":1227.64,"end":1228.46,"sentiment":"positive","sentiment_score":0.46698781847953796},{"text":"Not at the moment.","start":1251.95,"end":1252.99,"sentiment":"negative","sentiment_score":-0.41769570857286453},{"text":"No.","start":1252.99,"end":1253.49,"sentiment":"negative","sentiment_score":-0.3386201560497284},{"text":"No.","start":1280.14,"end":1280.46,"sentiment":"neutral","sentiment_score":-0.28440868854522705},{"text":"I'm happy to keep it as is.","start":1280.46,"end":1282.08,"sentiment":"neutral","sentiment_score":-0.2035440749355725}],"sentiment":"neutral","sentiment_score":-0.185642971098423,"num_words":15,"start":1227.64,"end":1282.08},{"sentences":[{"text":"No.","start":1294.515,"end":1294.755,"sentiment":"neutral","sentiment_score":-0.09047320485115053},{"text":"I don't think so.","start":1294.755,"end":1295.9751,"sentiment":"neutral","sentiment_score":-0.10474089346826077},{"text":"No.","start":1310.37,"end":1310.77,"sentiment":"neutral","sentiment_score":-0.07402587682008743},{"text":"I'm pretty good with that.","start":1310.77,"end":1312.6901,"sentiment":"neutral","sentiment_score":0.04559778869152069},{"text":"I've got a whole budget and everything, and money goes direct debit into other accounts and that kind of thing.","start":1312.6901,"end":1322.9249,"sentiment":"neutral","sentiment_score":0.32035222053527834}],"sentiment":"neutral","sentiment_score":0.19521195801996416,"num_words":31,"start":1294.515,"end":1322.9249},{"sentences":[{"text":"Yes.","start":1326.985,"end":1327.485,"sentiment":"neutral","sentiment_score":0.08526197820901871},{"text":"Yeah.","start":1333.4701,"end":1333.9701,"sentiment":"neutral","sentiment_score":0.04980301111936569},{"text":"He's in prep very exciting morning.","start":1334.1101,"end":1336.6101,"sentiment":"neutral","sentiment_score":0.1668627019971609},{"text":"I know.","start":1344.1101,"end":1344.77,"sentiment":"neutral","sentiment_score":-0.06925707310438156},{"text":"It's awful.","start":1345.15,"end":1345.89,"sentiment":"neutral","sentiment_score":-0.18860193341970444}],"sentiment":"neutral","sentiment_score":0.051710265688598156,"num_words":12,"start":1326.985,"end":1345.89},{"sentences":[{"text":"You're like, I want you to say little, but I want you to grow up.","start":1346.8151,"end":1349.635,"sentiment":"neutral","sentiment_score":0.006158391882975896},{"text":"No.","start":1363.6599,"end":1364.1599,"sentiment":"neutral","sentiment_score":0.04708327725529671},{"text":"It did probably have to go up.","start":1384.635,"end":1389.0,"sentiment":"neutral","sentiment_score":-0.06532646609204155},{"text":"I think it's around the $5.50 or so.","start":1392.8999,"end":1397.24,"sentiment":"neutral","sentiment_score":-0.02496356691699475},{"text":"It's a Kia Rio.","start":1406.395,"end":1408.015,"sentiment":"neutral","sentiment_score":-0.023808854166418314}],"sentiment":"neutral","sentiment_score":-0.01750771597559963,"num_words":35,"start":1346.8151,"end":1408.015},{"sentences":[{"text":"It's probably gone down in value.","start":1408.075,"end":1410.895,"sentiment":"neutral","sentiment_score":-0.14063260704278946},{"text":"Maybe $4.4.5.","start":1418.63,"end":1420.25,"sentiment":"neutral","sentiment_score":-0.013955908361822367},{"text":"I don't think they were worth much anymore, and it's been very loved by my son.","start":1420.55,"end":1426.0701,"sentiment":"neutral","sentiment_score":0.08970924420282245},{"text":"So probably yeah.","start":1426.0701,"end":1430.345,"sentiment":"neutral","sentiment_score":0.20015411575635275},{"text":"I'm gonna leave it at yeah.","start":1440.3501,"end":1445.55,"sentiment":"neutral","sentiment_score":-0.007489668515821298}],"sentiment":"neutral","sentiment_score":0.03391408437693661,"num_words":33,"start":1408.075,"end":1445.55},{"sentences":[{"text":"Let's leave it at that for the minute because I've done some renos and we've had some trips, so probably gone up and down.","start":1445.55,"end":1456.475,"sentiment":"neutral","sentiment_score":0.07644332208049794},{"text":"I did it last year and it took and then, unfortunately, it didn't work out.","start":1473.1201,"end":1478.4801,"sentiment":"neutral","sentiment_score":-0.17594248205423355},{"text":"So That's okay.","start":1478.4801,"end":1482.5801,"sentiment":"neutral","sentiment_score":-0.10822151849667232},{"text":"The risks you take.","start":1484.405,"end":1485.785,"sentiment":"neutral","sentiment_score":-0.25188925862312317},{"text":"I'm just taking some time at the minute.","start":1505.96,"end":1508.38,"sentiment":"neutral","sentiment_score":-0.10826221387833357}],"sentiment":"neutral","sentiment_score":-0.055607718553532054,"num_words":54,"start":1445.55,"end":1508.38},{"sentences":[{"text":"So it yeah.","start":1510.105,"end":1511.545,"sentiment":"neutral","sentiment_score":-0.007542331392566363},{"text":"I'm not sure if I would like to, but whether there's other factors.","start":1511.545,"end":1517.325,"sentiment":"neutral","sentiment_score":-0.040901072323322296},{"text":"You know?","start":1517.385,"end":1517.705,"sentiment":"neutral","sentiment_score":-0.04366757348179817},{"text":"It's a lot of money, and whatever I decide to do impacts the little one that I have a lot.","start":1517.705,"end":1525.0,"sentiment":"neutral","sentiment_score":-0.04612920144572854},{"text":"So there's a lot to take into consideration.","start":1525.0,"end":1526.94,"sentiment":"neutral","sentiment_score":-0.0034967795945703983}],"sentiment":"neutral","sentiment_score":-0.034613790152513466,"num_words":46,"start":1510.105,"end":1526.94},{"sentences":[{"text":"So I'm just sitting with it, enjoying his first year of prep, and we'll see what next year holds.","start":1527.16,"end":1534.14,"sentiment":"neutral","sentiment_score":0.22132612372699537},{"text":"Just seeing how much I can chip away.","start":1550.69,"end":1552.29,"sentiment":"neutral","sentiment_score":0.002342810155823827},{"text":"So I pay about an extra 60 or 70 a week down.","start":1552.29,"end":1561.65,"sentiment":"neutral","sentiment_score":0.040017175022512674},{"text":"So, yeah, I'm paying it weekly now rather than fortnightly or monthly.","start":1561.65,"end":1565.4299,"sentiment":"neutral","sentiment_score":0.08144964091479778},{"text":"Yeah.","start":1591.9199,"end":1592.4199,"sentiment":"neutral","sentiment_score":0.07615562528371811}],"sentiment":"neutral","sentiment_score":0.1107249278575182,"num_words":52,"start":1527.16,"end":1592.4199},{"sentences":[{"text":"Pretty much.","start":1592.5599,"end":1593.38,"sentiment":"neutral","sentiment_score":0.12133599072694778},{"text":"No.","start":1614.2,"end":1614.44,"sentiment":"neutral","sentiment_score":-0.1864030510187149},{"text":"Let's stick with 65.","start":1614.44,"end":1615.64,"sentiment":"neutral","sentiment_score":-0.21403132379055023},{"text":"I don't know what the what life's gonna look like down the track.","start":1615.64,"end":1619.5,"sentiment":"neutral","sentiment_score":-0.06283920659468724},{"text":"I'm happy with what I've got at the minute.","start":1686.135,"end":1687.995,"sentiment":"neutral","sentiment_score":-0.14890263436569107}],"sentiment":"neutral","sentiment_score":-0.1019617158534198,"num_words":29,"start":1592.5599,"end":1687.995},{"sentences":[{"text":"Okay.","start":1737.48,"end":1737.975,"sentiment":"neutral","sentiment_score":0.2643672227859497},{"text":"Yes.","start":1750.775,"end":1751.16,"sentiment":"neutral","sentiment_score":0.18837393820285797},{"text":"Yes.","start":1763.7201,"end":1764.2201,"sentiment":"neutral","sentiment_score":0.1260485053062439},{"text":"Fantastic.","start":1783.77,"end":1784.27,"sentiment":"positive","sentiment_score":0.5523865818977356},{"text":"Awesome.","start":1825.0901,"end":1825.5901,"sentiment":"positive","sentiment_score":0.5321037173271179}],"sentiment":"neutral","sentiment_score":0.33265599310398103,"num_words":5,"start":1737.48,"end":1825.5901},{"sentences":[{"text":"No.","start":1832.905,"end":1833.145,"sentiment":"neutral","sentiment_score":-0.04322846978902817},{"text":"I think I'm all good.","start":1833.145,"end":1834.365,"sentiment":"neutral","sentiment_score":0.05103690326213837},{"text":"No.","start":1841.67,"end":1841.91,"sentiment":"neutral","sentiment_score":-0.23732078075408936},{"text":"I think we're all good.","start":1841.91,"end":1843.13,"sentiment":"neutral","sentiment_score":0.1762945145368576},{"text":"Happy with where things at.","start":1843.99,"end":1845.61,"sentiment":"neutral","sentiment_score":0.22192473113536834}],"sentiment":"neutral","sentiment_score":0.115631264360512,"num_words":17,"start":1832.905,"end":1845.61},{"sentences":[{"text":"Oh, I think I'd have an initial panic, and then I think it'd be fine.","start":1879.4099,"end":1884.615,"sentiment":"neutral","sentiment_score":-0.24160763919353484},{"text":"Yeah.","start":1884.615,"end":1884.855,"sentiment":"neutral","sentiment_score":-0.06534403562545776},{"text":"Given I'm not accessing it for a while, it's got time to bounce back.","start":1884.855,"end":1888.555,"sentiment":"neutral","sentiment_score":-0.07094998205346721},{"text":"I'd probably just wait.","start":1895.335,"end":1896.795,"sentiment":"neutral","sentiment_score":-0.09374519996345043},{"text":"If I had anything any, like, absolute massive panic side, give you a call, but I think everything would be pretty fine.","start":1897.83,"end":1905.85,"sentiment":"neutral","sentiment_score":0.0030427967113527384}],"sentiment":"neutral","sentiment_score":-0.0891213865085904,"num_words":56,"start":1879.4099,"end":1905.85},{"sentences":[{"text":"The second.","start":1920.1749,"end":1920.835,"sentiment":"neutral","sentiment_score":0.03707163222134113},{"text":"Yeah.","start":1922.91,"end":1923.41,"sentiment":"neutral","sentiment_score":0.16648706793785095},{"text":"It's not a a goal as such.","start":1931.79,"end":1934.59,"sentiment":"neutral","sentiment_score":-0.23152914217540196},{"text":"I mean, if something was to come up and it was, you know, perfect and, you know, all the planets had aligned and that kind of thing, yeah, maybe, but not not specifically looking for anything.","start":1934.59,"end":1958.75,"sentiment":"neutral","sentiment_score":0.1206585763850146},{"text":"Awesome.","start":1973.885,"end":1974.385,"sentiment":"positive","sentiment_score":0.8049078583717346}],"sentiment":"neutral","sentiment_score":0.08018176479542509,"num_words":47,"start":1920.1749,"end":1974.385},{"sentences":[{"text":"Sounds great.","start":1974.6051,"end":1975.505,"sentiment":"positive","sentiment_score":0.8559521436691284},{"text":"Thank you.","start":1978.8989,"end":1979.3789,"sentiment":"positive","sentiment_score":0.7151520848274231},{"text":"You too.","start":1979.3789,"end":1980.1189,"sentiment":"positive","sentiment_score":0.4832911789417267},{"text":"Bye.","start":1982.3389,"end":1982.8389,"sentiment":"neutral","sentiment_score":0.17526936531066897}],"sentiment":"positive","sentiment_score":0.6120085971696037,"num_words":7,"start":1974.6051,"end":1982.8389}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Caitlin speaking.\n\nChannel 0: Hi, Caitlin. This is Dana from OQ Financial. How are you this morning?\n\nChannel 1: Well, thanks. How are you?\n\nChannel 0: Very well. Thank you. We had you booked in this morning to go through your annual review. Is now still a good time there for you?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Fantastic. How's your morning been so far?\n\nChannel 1: Not too bad. Just a school drop off.\n\nChannel 0: Oh, no. Wow. How did that go? Back to school.\n\nChannel 1: Very glad. Very glad back to school.\n\nChannel 0: Yeah. I bet. All good, Caitlin. Before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. Go for it.\n\nChannel 0: Fantastic. And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Caitlin Edwards. Agents of fifth nineteen ninety in 12 O'Keefe Street, Leichhardt.\n\nChannel 0: Beautiful. Thank you so much for that. So, Caitlin, I do normally send through a a copy of the annual review documents to your email. Are you able to access them at the moment? If you can't, that's honestly okay.\n\nChannel 1: Not at the moment. No.\n\nChannel 0: No. That's okay. That's alright. And you've finished school drop off. Everyone's at school and ready for the day?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. All good. If anything pops up and you need me to stop, just let me know, but I'll try not to take up too much of your time there. Okay?\n\nChannel 1: No. That's okay.\n\nChannel 0: All good. So firstly, I'll go through your sleep. I have a bit of look at how that's been performing. I have sort of looked at some advice that we can provide to maybe update some things for you as well, which is great. But is there anything specific aside from, you know, how everything's been tracking that you wanted me to touch on or any specific questions you wanted me to answer as part of your review?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: No. That's okay. Beautiful. Well, having\n\nChannel 1: Thank\n\nChannel 0: a\n\nChannel 1: you.\n\nChannel 0: bit of a look back at your review last year, your balance within your hub 24 super then was a 117,991 and 97¢ there. So looking forward to this year's review, your current balance is a $148,037.86 there. So you have had a lovely increase\n\nChannel 1: Oh,\n\nChannel 0: When\n\nChannel 1: wow.\n\nChannel 0: we look at\n\nChannel 1: Because\n\nChannel 0: yeah.\n\nChannel 1: I just did\n\nChannel 0: You're\n\nChannel 1: my\n\nChannel 0: right?\n\nChannel 1: went into the the ATO thing for my tax, and it was bidding at a 125.\n\nChannel 0: No.\n\nChannel 1: But it\n\nChannel 0: That's\n\nChannel 1: hasn't\n\nChannel 0: fantastic.\n\nChannel 1: come\n\nChannel 0: It\n\nChannel 1: over\n\nChannel 0: hasn't\n\nChannel 1: then.\n\nChannel 0: been happening. No. So when the reporting to the ACO happens, it doesn't happen on a very regular basis.\n\nChannel 1: Sure.\n\nChannel 0: They only realistically report once every quarter or once every six months depending on what the requirement is for that specific fund. So the reporting should be happening around about the end of June each year. Sometimes, hub twenty four don't report the end of financial year until sort of mid July. So there\n\nChannel 1: Mhmm.\n\nChannel 0: is always a bit of a delay in the reporting side of things. So if you ever are unsure of how things are going, you're welcome to give us a call. Let us know. Do you have access to your hub twenty four? Do you log in there very often at all?\n\nChannel 1: Not really. No. I figure it's just doing its thing.\n\nChannel 0: Yeah. Absolutely. And you've got a lot of time. You're still so young. You can't access super at this point to the age of 60.\n\nSo just letting it go\n\nChannel 1: Yeah.\n\nChannel 0: for the next year, thirty odd years is important. Easy.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I don't like to faff around with it.\n\nChannel 0: no. And that's\n\nChannel 1: I figure\n\nChannel 0: absolutely\n\nChannel 1: if something's\n\nChannel 0: okay.\n\nChannel 1: going I figure if\n\nChannel 0: Yeah.\n\nChannel 1: something's going wrong, you guys will let me know.\n\nChannel 0: Absolutely. Absolutely. And, look, I have had a really good look at things. Obviously, having a look at your super, I've gone through all the individual investments there. You have sort of had these investments for a couple of years now, so they have been working really well.\n\nAs a whole, when we look at your total portfolio after the past twelve months, you have returned a return of about 5.37% net of fees. So it's earnings and income of over $10,000 in the last twelve months, realistically. And I'm just double checking the portfolio you're in. It looks like you're in more of that gross kind of space there, but I'm just double checking. Sorry.\n\nIt's still early morning. Computer's a little bit slow. There we go. So, realistically, having a look at all the individual investments there, they are and have tracked a little bit lower than where I would sort of like for the year, But with what has been sort of reported between The US and Iran war, it hasn't there has been a lot more volatility this year out of the markets as well. So\n\nChannel 1: Yeah.\n\nChannel 0: a lower return is expected, and I'm still happy that you got a positive return after the last 12 there, but still would like to see more of a return on your side of things. I will go through and just double check your risk profile with you shortly just to make sure that it is all comfortable for you. But I'm just logging into your fund to have a look at the portfolio that you're in with regard to which one it is. And my computer's a little bit slow. Sorry about that.\n\nChannel 1: That's alright.\n\nChannel 0: Zero two four. There we go. Perfect. So having a look at where things are, yeah, you are in that growth sort of area. So that sort of portfolio generally sees about 80% of your super invested in growth assets.\n\nSo looking at things like Australian shares, international shares, listed property is also generally in there, and then also commodities like gold and silver. And you've definitely got some physical gold in there, which looking at your portfolio has returned over a 10 a 10% return for the year. So it is really good. It has been working nicely, and you've come up with a positive. But I have seen one or two of your investments that are slightly underperforming a little bit, and I think it is time to make sure things are updated on a regular basis there for you.\n\nAnd we just maybe switch out some of those investments. Are you comfortable with me going back, reviewing those, and maybe making an updated recommendation to switch them out, maybe look at a portfolio that's performing better for you?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yep. Fantastic. With that growth kind of environment, we are sort of tracking to try and obtain a return of around about seven to 9% on an annual basis, but with the expected volatility, you can see in the market. So when we see really good returns out of this sort of a portfolio, you can be expecting an extra 14 sorry, an extra 11% on top of the expected seven to 9% return. However, in downtime, because you are kind of taking a little bit more risk in the market, you can also see a negative 11% under that 7% return as well.\n\nSo it's about understanding the volatility and the expected highs and lows that you could see within this sort of a portfolio and just making sure you're comfortable with it. Realistically, for your age and stage, because you can't access super, you know, until the age of 60 at this point, that sort of environment suits your time horizon. For your age group, we'd normally like to see you with that growth or high growth environment because you can take on more risk now, go through the downtimes, and you're not accessing the super. So it is a good place for you to definitely be. I do wanna have a look and maybe remove some underperforming investments there for you and just maybe update the the projection outcome for you so you can sort of see based on our recommendations, your current, and what I'm gonna recommend for you, where that's projected to look like over the next five to ten years for you.\n\nDoes that sound okay? And do you have any questions?\n\nChannel 1: No. Not really. I don't have any questions.\n\nChannel 0: Yeah. Beautiful. Excellent. Well, I'll go back and do some research around those investments, maybe swap them out. One of the things that I did sort of wanna check-in with you is that within your portfolio, one of the underlying investments that is underperforming is called the Benelon Australian Equities.\n\nNow that was originally put into your portfolio because they're more of an actively managed fund. It's an active manager. The manager of that fund is trying to outperform against the market, so they should be buying and selling and picking and trying to time the market. Active managers, when you have those in your investments, they can cost a little bit more in management fees and things like that. Did you want me to look at keeping a bit of active management in your portfolio, or did you wanna just look at a more of a low cost portfolio, try to save on investment fees and things like that?\n\nWhat would you prefer?\n\nChannel 1: Look. I'm happy either way. I don't really have a\n\nChannel 0: That's\n\nChannel 1: preference\n\nChannel 0: it.\n\nChannel 1: at the minute.\n\nChannel 0: Yep. No. That's okay. I can look at both for you, look at the the fees, the outcome, the overall, what that looks like for you. I also take into account CGT consequences.\n\nSo because like just like you and I, your super fund does a tax return every year. So when we do switch investments and buy and sell, your super fund does have to account for income tax and CGT tax and things like that. So\n\nChannel 1: Mhmm.\n\nChannel 0: I can look at ways to minimize the tax side of it for your fund, but also look at what's been performing better, the fees, and what's gonna put you in a greater position long term and maybe make that recommendation for you. Does that sound okay?\n\nChannel 1: Yeah. Sounds great.\n\nChannel 0: Yep. Beautiful. Fantastic. I've got a couple of options for investments to swap out, so I'll look at doing that. It'll take just a couple of weeks to put that advice together, but then we'll come back and I'll go through it with you.\n\nOkay?\n\nChannel 1: Awesome. Sounds great.\n\nChannel 0: Fantastic. Now the other thing I do have here is your insurances. So at the moment, you've got your MetLife policy there, and it shows the current sum insured of your insurances. Your life and TBD is showing about 525,000 there. If in the event of you passing away currently, you've got the 525,000 of life cover plus your super balance is paid out to your beneficiaries as well.\n\nSo it sorta gives you a total of about 673,000 at the moment total between your super and your life cover.\n\nChannel 1: Mhmm.\n\nChannel 0: Just looking at your debt, so even the event that that was to occur, you know, that would obviously pay off your debt. Your mortgage, I had noted at about 235,000. Have you been able to reduce that since last year at all?\n\nChannel 1: It's probably only reduced a little bit, maybe about 10,000.\n\nChannel 0: Okay. So about $2.25 roughly.\n\nChannel 1: It's not\n\nChannel 0: If\n\nChannel 1: the most\n\nChannel 0: we looked\n\nChannel 1: amazing\n\nChannel 0: at\n\nChannel 1: interest rate, but\n\nChannel 0: yeah.\n\nChannel 1: they\n\nChannel 0: I\n\nChannel 1: love\n\nChannel 0: know.\n\nChannel 1: me.\n\nChannel 0: And they keep going up, right, they\n\nChannel 1: I\n\nChannel 0: answer.\n\nChannel 1: know. I'm even paying over the\n\nChannel 0: If if you were to look at your sleep and your life insurance is that if you were to pass away, the amount that is $6.73 would pay off the mortgage for you, leaving your family completely debt free, and then leave roughly about 447,000 available after that. Does that feel like a comfortable amount for you? Did you wanna look at altering or reviewing that?\n\nChannel 1: No. I think that would be fine for the minute. I think\n\nChannel 0: Yep.\n\nChannel 1: yeah. As long as it paid off the house\n\nChannel 0: Yep.\n\nChannel 1: and set up little little man for\n\nChannel 0: Yeah.\n\nChannel 1: his education, that kind of thing.\n\nChannel 0: Absolutely. What's your income at the moment? I had you earning about 57,000 last year. Has that changed? Or\n\nChannel 1: Well, that's not including my single parenting payment for Centrelink, so it's probably closer to the\n\nChannel 0: yep.\n\nChannel 1: 80,000.\n\nChannel 0: Yep. So if we look at what have we had left over, say, that 447,000 and divide that by about 80,000 on a yearly basis, it essentially then the amount leaves about five years five and a half years worth of current income replacement for your for your young son there as well. So does\n\nChannel 1: Yes.\n\nChannel 0: that sound sufficient for the moment? Did you wanna sort of look at increasing that? Keeping in mind that the mortgage is gone, realistically, that income, whilst it covers five and a half years of current income replacement, could obviously expect be extended out. So sorry. Be extended out because, realistically, you know, family members could live on a little bit less to look after your child.\n\nSo that could last about ten odd years of income replacement for your family. Does that sound sound appropriate? Or if\n\nChannel 1: Yeah.\n\nChannel 0: it's not, you're\n\nChannel 1: Yeah.\n\nChannel 0: welcome\n\nChannel 1: I think\n\nChannel 0: to let me\n\nChannel 1: so.\n\nChannel 0: know.\n\nChannel 1: No. I think that would be fine at the minute.\n\nChannel 0: Yep. That's absolutely fine. If you discover that you do kind of wanna have that altered or changed, please let me know. I'm more than happy to, you know, have that conversation. You're not limited to one per year if you, at some point, decide that that's not quite appropriate.\n\nYou don't want that amount. You wanna look at altering it, just let me know. We can always come back and have that conversation. Okay.\n\nChannel 1: Cool.\n\nChannel 0: Beautiful. Now you do have with total permanent disability the same level of cover. So it's a 575 sorry. $525,000. But then, obviously, with your PPD, a lot of people aren't sort of aware, but we also do access or can access your super under permanent incapacity as well.\n\nSo you can receive your super benefit paid out. Again, that does give you about $6,673,000 there. One of the things I do kind of like to make sure you're aware of is that TBD, if in the event that you claim on total permanent incapacity, and you're under the age of 60, if you take the amount out of super, it's actually taxed up to twenty two percent. It's horrible, and\n\nChannel 1: Yes.\n\nChannel 0: I don't like\n\nChannel 1: I did\n\nChannel 0: it in any way, shape, or form.\n\nChannel 1: I did hear that I had somebody I work with say to access their super to do some sort of surgery, and they didn't realize that, like,\n\nChannel 0: It's\n\nChannel 1: it was\n\nChannel 0: taxed.\n\nChannel 1: taxed. And\n\nChannel 0: Yes.\n\nChannel 1: and they had this, like, massive debt to Centrelink and all kinds of things. And I was like, I'm\n\nChannel 0: Yeah.\n\nChannel 1: never touching mine ever.\n\nChannel 0: It is really horrible. Absolutely. If anything ever comes up and you feel like you might need to access it, come and have that chat with us first because,\n\nChannel 1: Yep.\n\nChannel 0: yeah, it is unfortunately, a lot of people aren't aware. And it's not sort of known when you kinda fill out the forms to do to access your super and things like that. A lot of people aren't told, and then all of a sudden, they've drawn money out. There's, you know, a big debt coming or there's extra money that's missing, and there's a tax bill or something like that. So\n\nChannel 1: Yes.\n\nChannel 0: it is something that's not well known, but the same thing happens under total incapacity, and I dislike that in any way, shape, or form. I think if you are unable to ever go back to work again due to disability, the last thing the government should be doing is taxing the payment for you.\n\nChannel 1: Yeah.\n\nChannel 0: But given your current level of cover, the tax is up to 22%. It can be lesser, and there are things that we can do. If you were to claim on TBD, I would look at providing financial advice on how to limit the tax for you, but also make sure you get the benefit to last as long as possible as well because a lot of people in that instance take out a lump sum, the whole amount, and then the money's gone within about twelve months. So\n\nChannel 1: Yeah.\n\nChannel 0: it is really important to kinda keep that money lasting as long as possible. Based on the 22% tax, it does mean out of the total benefit, if you were TPD today, and you took the full lump sum, the tax is roughly 148,000, which means that at the end of it, you could be left with about $524,009.69. It does lessen the benefit amount. That, again, if you were TPD'd, could pay off the mortgage you have\n\nChannel 1: Shit.\n\nChannel 0: there. So if we subtract the $2.25, that then leaves you about 299,000, which if you were, say, live on 50 or $60,000 a year, because you could still obviously get your fortnightly Centrelink payments and things like that, would last you with about four to five years worth of income replacement. Did you want me to kind of reassess the TPD, or do you feel like that's comfortable at the moment for you?\n\nChannel 1: I think it's comfortable at that moment.\n\nChannel 0: Mhmm. Absolutely. Not a problem. And the other thing with these policies, they are staffed. So they do increase in cost every year, but it also goes through a renewal period, and the amount you're insured for increases in time along with CPI.\n\nSo the good thing is you do get little increases on the amount you're insured for each year, so it does continue to grow. The downside of that is that the cost of the insurances will continue to increase as well. Okay. Yep. Beautiful.\n\nWith your income protection benefit, your current insured amount is a pretax 200 sorry. $2,998 as a monthly benefit there. Income was you're earning about 60,000. With income protection, if you are receiving any kind of Centrelink, what happens with an indemnity policy, which is the type of policy you have, is that at claim time, they will ask for all the medical evidence to show you you're unable to go back to work. They will also then ask for any additional income evidence, so payslips or tax returns.\n\nThey also find out whether you're eligible for Centrelink and things like that. They take your total income that you've earned prior to you being off work. And if you're receiving any regular Centrelink payments or any other offset payments, say, from workers' compensation or annual leave or sick leave, things like that, that can reduce the amount that you are covered for. So they sort of assess it that way. Your income, you kind of mentioned, is about 80,000 with the Centrelink side of things.\n\nHow much are you just earning in your part time role in child care?\n\nChannel 1: Oh, I'm not in childcare.\n\nChannel 0: Oh, so sorry. It's a government administration. I do apologize. I read the\n\nChannel 1: I\n\nChannel 0: wrong\n\nChannel 1: was like,\n\nChannel 0: line.\n\nChannel 1: oh\n\nChannel 0: My\n\nChannel 1: my\n\nChannel 0: sorry.\n\nChannel 1: god.\n\nChannel 0: No. No. You're fine. I read the wrong one. You've got diploma in child services.\n\nChannel 1: It's about the 60,000. I know Centrelink's 26.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah, around\n\nChannel 0: Working\n\nChannel 1: the\n\nChannel 0: about\n\nChannel 1: 60,000,\n\nChannel 0: sixty thousand?\n\nChannel 1: I think.\n\nChannel 0: Yep. That's okay. So 60,000. Perfect. So with income protection, you can be covered for up to 70% of your pretax income.\n\nIf we looked at the full 70%, it would show that you would need to have a monthly benefit of about 3,500. That's pretax because with income protection payments, income tax is also deducted out of the amount. So, realistically, on a monthly basis, you could expect about $3,000 to be paid out of that. With the current cover you have, it has a monthly benefit of $2,998. It\n\nChannel 1: Mhmm.\n\nChannel 0: is just slightly under the amount. So you are slightly underinsured there, but in the event of you being unable to go to work and meeting the ninety day waiting period, you could say realistically get about 2,500 as a monthly benefit and then also receiving your Centrelink on top of that. Does that feel appropriate? Does that feel like it would cover most of your expenses, or how do you feel about that amount?\n\nChannel 1: I think it would be fine.\n\nChannel 0: That would be okay? Yep. That's\n\nChannel 1: I think\n\nChannel 0: absolutely\n\nChannel 1: so.\n\nChannel 0: fine. Yeah. It's hard to know unless you're actually off work and on a claim. That's probably the worst time to have to think about that sort of thing, but it's always just kind of working out, am I comfortable with this now? If I wasn't a claim, would that be appropriate?\n\nKeeping in mind, Centrelink is indexed on a regular basis as well. So it is due to be reassessed and indexed again in September this year, so you your payments could continuously go up there as well. Okay?\n\nChannel 1: Cool.\n\nChannel 0: Excellent. Now you do have a five year benefit and a ninety day waiting period on the income protection policy. It just means you have to be offered ninety days prior to making a claim. I always let everyone know that if you are going to make a claim or you're off work, let us know at the first instance. That way, we can let the insurer know, and that starts the waiting period so we can get the claim forms ready to go.\n\nAnd then at that ninety days, they can all be filled out and submitted to the insurer. It makes the claims process much smoother for you. Okay?\n\nChannel 1: Excellent.\n\nChannel 0: And then a five year benefit period is a great benefit period. While most income protection claims are finished within the first sort of one to two years, a five year benefit period does mean that you can be off work and on a claim for up to five years, and that's including a partial claim. So some people can, depending on the end injury or illness, go back to work, and be working one, two, or three days a week part time or casually and still receiving some money from the claim. So it does just sort of help to reduce the risk of that occurring and you're not being able to receive any additional funds there. Okay.\n\nChannel 1: Cool. Sounds good.\n\nChannel 0: With the policy out of super this year, you paid $554.44. The policy is nice and cheap at the moment, but it will get more expensive over time. So we'll just keep reviewing it with you, and keep making alterations as we need to, as your life changes, as the it's appropriate to do so. Does do you have any questions? I'm sorry.\n\nI do go through a lot of information with that, but is there anything that's come up question wise?\n\nChannel 1: Not at the moment. No.\n\nChannel 0: No? Beautiful. All good. Now I can also see here you are also currently salary sacrificing about a $120 and 26 per fortnight into super on top of your employer contributions, that is a great amount to be doing. It does start you well, and that compounding over the next twenty to thirty years is only gonna benefit you and your super.\n\nAre you fairly comfortable with that amount? Did you wanna review the salary sacrifice amount, or are you happy just to keep it as it is?\n\nChannel 1: No. I'm happy to keep it as is.\n\nChannel 0: Yep. Fantastic. I'll note your income down here as being about 60,000 from employment. Is that you're comfortable with me noting that down there? Would you wanna change that figure at all?\n\nChannel 1: No. I don't think so.\n\nChannel 0: That sounds okay. Beautiful. And I have found here that you were able to save about a $150 on a weekly basis. Are you putting away any sort of dedicated savings, or is money a bit tight with the mortgage and the increase in interest rate?\n\nChannel 1: No. I'm pretty good with that. I've got a whole budget and everything, and\n\nChannel 0: Fantastic.\n\nChannel 1: money goes direct debit into other accounts and that\n\nChannel 0: Lovely.\n\nChannel 1: kind of thing.\n\nChannel 0: Lovely. Lovely. And you've only got one child?\n\nChannel 1: Yes.\n\nChannel 0: Lovely. I had done here that he was four in May last year, so he'd be five now?\n\nChannel 1: Yeah. He's in\n\nChannel 0: Wow.\n\nChannel 1: prep very exciting\n\nChannel 0: That's\n\nChannel 1: morning.\n\nChannel 0: incredible. Oh, wow. They grew up so fast. My son just turned 10, and it was a little bit hard knowing it's the last time I'll ever have a 10 year old.\n\nChannel 1: I know. It's awful. You're like,\n\nChannel 0: It\n\nChannel 1: I want\n\nChannel 0: is.\n\nChannel 1: you to say little, but I want you to grow up.\n\nChannel 0: I know. And it's such a fun age between the ages sort of three to, like, 11. They're not in that teenager phase yet, but they're still able to do everything, have fun, and you don't have to carry too much baby stuff around with you anymore.\n\nChannel 1: No.\n\nChannel 0: Beautiful. We've double updated the mortgage there for you. So you've got about 10,000 less than you had last time there. With the main primary residence, would you change the valuation? We had it valued at about 400,000 last year.\n\nWould you update or alter that or change that valuation?\n\nChannel 1: It did probably have to go up. I think it's around the $5.50\n\nChannel 0: Mhmm.\n\nChannel 1: or so.\n\nChannel 0: Okay. Beautiful. That's excellent. Lovely. And I had your car down here.\n\nWhat kind of car do you drive?\n\nChannel 1: It's a Kia Rio. It's probably gone down in value.\n\nChannel 0: That's okay. I had it at 6,000 last year. Would you drop it to maybe $5.5.5, or a little bit less?\n\nChannel 1: Maybe $4.4.5. I\n\nChannel 0: Yep.\n\nChannel 1: don't think they\n\nChannel 0: Beautiful.\n\nChannel 1: were worth much anymore,\n\nChannel 0: No.\n\nChannel 1: and\n\nChannel 0: That's\n\nChannel 1: it's been\n\nChannel 0: okay.\n\nChannel 1: very loved by my son. So\n\nChannel 0: Oh, that's\n\nChannel 1: probably\n\nChannel 0: good. Yes.\n\nChannel 1: yeah.\n\nChannel 0: And savings wise, we had you had about 10,000. And if you're still managing to put dedicated savings away, has that gone up a little bit? Or\n\nChannel 1: I'm gonna leave it at\n\nChannel 0: 10,000.\n\nChannel 1: yeah. Let's leave it at that for the minute\n\nChannel 0: Yep.\n\nChannel 1: because\n\nChannel 0: That's\n\nChannel 1: I've\n\nChannel 0: absolutely\n\nChannel 1: done some\n\nChannel 0: fine.\n\nChannel 1: renos and we've had some trips, so\n\nChannel 0: Yep.\n\nChannel 1: probably\n\nChannel 0: Absolutely.\n\nChannel 1: gone up and down.\n\nChannel 0: Perfect. I had done here goals as well that over the next sort of five years, you were looking to proceed with IVF and have another child. Is that still a goal that you're looking to do down the track, or have you started that?\n\nChannel 1: I did it last year and it took and then, unfortunately, it didn't work out. So\n\nChannel 0: Oh, I'm so sorry.\n\nChannel 1: That's okay.\n\nChannel 0: Yeah. Is there\n\nChannel 1: The risks you\n\nChannel 0: a lot\n\nChannel 1: take.\n\nChannel 0: yeah. It's a lot to go through to do that. I completely understand. I've got friends who are doing it at the moment, and it's a very emotional time to go through. Are you how did you kinda go after?\n\nBecause I know it's very sad and a very emotional time, but are you planning to kinda try again down the track, or you just get taking some time for yourself at the moment? Or\n\nChannel 1: I'm just taking some time at the minute. So it\n\nChannel 0: Yep.\n\nChannel 1: yeah. I'm not sure\n\nChannel 0: Yep.\n\nChannel 1: if I would like to, but whether\n\nChannel 0: Yep.\n\nChannel 1: there's other factors. You know? It's a lot of money, and whatever I decide to do impacts\n\nChannel 0: Yeah.\n\nChannel 1: the little one that I have\n\nChannel 0: Yeah.\n\nChannel 1: a lot. So there's a lot to take into consideration. So I'm just\n\nChannel 0: Yeah.\n\nChannel 1: sitting\n\nChannel 0: Yeah.\n\nChannel 1: with it, enjoying his first year of prep, and we'll see what next year\n\nChannel 0: We\n\nChannel 1: holds.\n\nChannel 0: have with those. Absolutely. Absolutely. I also had it noted down here that, obviously, paying down the mortgage is a big goal in the next sort of five years. Do you have a goal amount that you're trying to sort of pay the mortgage down by, or are you just adding extra onto it and sort of seeing how much you can chip away?\n\nChannel 1: Just seeing how much I can chip away. So I pay about an extra 60 or 70 a week\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: down. So, yeah, I'm paying it weekly now rather than fortnightly or monthly.\n\nChannel 0: Yep. Which is fantastic. Extra payments. Beautiful. Over time and go and this is a long time that the tracking could absolutely change, but you wanted to be fully debt free to have the house fully paid off by the time you access super.\n\nWould like to have a new car by that time, and also just wanted to travel to destinations like Europe and New Zealand, whenever you wanted to. Is that still fairly accurate unchanged?\n\nChannel 1: Yeah. Pretty much.\n\nChannel 0: Yep. Beautiful. I had down here that you were hoping to access super by age 65. Are you still thinking that's the age you might want to that can change on the track and you don't have to decide now, but are you still sort of tracking towards that goal, or would you like me to make it the earliest opportunity, say 60?\n\nChannel 1: No. Let's stick with 65. I don't know what the what life's\n\nChannel 0: Yeah.\n\nChannel 1: gonna look like down the track.\n\nChannel 0: That's that's honestly okay. Not a problem at all. I've confirmed your goal with your insurances. We've looked at what that is, and they still remain appropriate at the moment. But if anything changes there, do let me know.\n\nJust so you are aware, insurance wise as well, like, you've got life keeping the income protection, but there are other types of insurances. And, I mean, you can, essentially, with all the types of insurances out there, insure everything to the health, which costs us a a huge amount of money every year. But there are other types of insurance like trauma, which pays out a lump sum benefit in the event that you're diagnosed with a major traumatic condition, things like cancer, heart attack, strokes, neurological conditions like MS and Parkinson's are also considered in those. It is an out of pocket expense, and you can also get insurance like child trauma as well, which pay out lump sum tax free benefits in the event that your child is diagnosed with a major traumatic condition. So there are those other benefits, and other types of insurances that you can also obtain or apply for.\n\nDid you wanna look at maybe getting anything additional or you're happy just with what you've got there at the moment, not wanting\n\nChannel 1: I'm happy\n\nChannel 0: to\n\nChannel 1: with what I've got at the minute.\n\nChannel 0: yeah. Beautiful. Fantastic. And down the track, if you decide you wanted to sort of put a put money away and start to invest for your son for his future as well. We do have access to other investments.\n\nSo as licensed advisers, we look at your super insurance, it says, but we can provide advice in other areas. We have access to, like, child bonds and things, which is putting money into investment products for, you know, the next ten to twenty odd years to benefit your child down the track. So we can also help you in those areas, look at investing outside of Super if you're wanting to do that as well so that we can help to hopefully get you access to funds before 60 if you decide you wanna look at retiring earlier or just building your space in there elsewhere. So feel free to come back and let us know if there's other sort of goals or other, you know, investment opportunities that you do wanna look at as well. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. The only other thing just to double check here is, the estate planning side of things. Now I can see you did have a will and power of attorney all set up. You are still comfortable. That still reflects your wishes.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. And just double checking with your beneficiaries here as well. So I have it down that you wanted a 100% of the beneficiary to be paid to Hayden, and you want that for your super and your life insurance. Is that correct?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. The beneficiary you have is a binding nonlapsing. It is honestly the best kind of beneficiary nomination. It binds the trustee to follow the direction, and non lapsing means you only have to fill that format once.\n\nWe will just review it with you each year so that when and if you decide to have that updated, we can make sure that directive is followed for you. Okay?\n\nChannel 1: Fantastic.\n\nChannel 0: Excellent. In that DocuSign, you will see a copy of all the documents that I have gone through. So you've got your MetLife policy, the summary of Superann Insurance as your hub twenty four investment information as well. It's also got the ongoing service agreement there. So you do pay us an ongoing service fee of 1.65% per annum, and that is deducted in small sorry, monthly increments and deducted out of your super.\n\nIf you're happy to stay on board and wanted to keep providing advice and looking after things, I'll just get you to sign and return that one back for me at your earliest opportunity. And in the meantime, I'll go back and do a bit of research around the super the investors, and I'll come back and update the recommendation for you. Okay?\n\nChannel 1: Awesome.\n\nChannel 0: Excellent. Is there anything else that you think I might have missed or needed to touch on that your any other questions that might have come out of any of it?\n\nChannel 1: No. I think I'm all good.\n\nChannel 0: No? Excellent. And you're happy to sort of stay in that growth environment? Are you sort of wanting to look at reducing the risk level at the moment?\n\nChannel 1: No. I think we're all good.\n\nChannel 0: Yeah. All\n\nChannel 1: Happy\n\nChannel 0: good. I\n\nChannel 1: with\n\nChannel 0: think\n\nChannel 1: where\n\nChannel 0: one\n\nChannel 1: things\n\nChannel 0: of\n\nChannel 1: at.\n\nChannel 0: yeah. I mean, realistically, with where you're at, it sort of suits your time horizon when you consider risk out of a number between one and five, five being the highest risk, one being the lowest. You're sort of sitting at about a three, so sort of in the middle range there. The only sort of question I wanted to double check is with if you saw the market fall in the next sort of, say, six to twelve months and it fell by, say, 20%, do you think you'd be feeling kinda concerned about that nervous, or would you sort of not be worried about the market falling knowing you're not accessing SuperNow? How do you think you might react?\n\nChannel 1: Oh, I think I'd have an initial panic, and then I think it'd be fine. Yeah. Given I'm not accessing it for a\n\nChannel 0: Yes.\n\nChannel 1: while, it's got time to bounce\n\nChannel 0: Yeah.\n\nChannel 1: back.\n\nChannel 0: Do you think you'd be likely to give us a call, maybe have a chat about what's happening, hold on, and just sort of wade through that downtime?\n\nChannel 1: I'd probably just wait.\n\nChannel 0: Yep.\n\nChannel 1: If\n\nChannel 0: Beautiful.\n\nChannel 1: I had anything\n\nChannel 0: And the\n\nChannel 1: any,\n\nChannel 0: yeah.\n\nChannel 1: like, absolute\n\nChannel 0: You're right.\n\nChannel 1: massive panic side, give you a call, but I think everything would\n\nChannel 0: Yep.\n\nChannel 1: be pretty fine.\n\nChannel 0: Absolutely. And the last one I wanted to double check here was, have you ever considered borrowing in order to invest in shares or managed funds, or would you only wanna borrow from a financial institution in order to buy property, do you think?\n\nChannel 1: The second.\n\nChannel 0: The second one? Beautiful. Do\n\nChannel 1: Yeah.\n\nChannel 0: you wanna have any additional properties in the future? Are you happy with the one you've got? Are you wanting to invest in other areas?\n\nChannel 1: It's not a a goal as such. I mean,\n\nChannel 0: Yep.\n\nChannel 1: if something was to come up and it was, you know,\n\nChannel 0: That's dead. Right? Yeah.\n\nChannel 1: perfect and, you know, all the planets had aligned and that kind of thing, yeah, maybe, but\n\nChannel 0: Yeah.\n\nChannel 1: not not specifically looking for\n\nChannel 0: No. That's okay. That's absolutely fine. That's beautiful. Thank you so much for that.\n\nWell, look, I will let you go to enjoy your day. I hope your son enjoys\n\nChannel 1: anything.\n\nChannel 0: his week back at school. Feel free to have a look at the email and just sign and return it back when you've got the opportunity to do so, and I'll go back and do some research there for you. My team will touch base in a couple of weeks and book you back in so we can go through the updated advice document together. Okay?\n\nChannel 1: Awesome. Sounds great.\n\nChannel 0: Thank you so much for your time, Caitlin. Enjoy your day.\n\nChannel 1: Thank you. You too.\n\nChannel 0: Thank you. Talk to you soon. See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Caitlin speaking.","start":0.56,"end":1.54,"sentiment":"neutral","sentiment_score":0.03386393003165722}],"sentiment":"neutral","sentiment_score":0.03386393003165722,"channel":1,"num_words":2,"start":0.56,"end":1.54},{"sentences":[{"text":"Hi, Caitlin.","start":2.48,"end":3.12,"sentiment":"neutral","sentiment_score":0.15022120624780655},{"text":"This is Dana from OQ Financial.","start":3.12,"end":4.74,"sentiment":"neutral","sentiment_score":0.16544379045565924},{"text":"How are you this morning?","start":4.88,"end":5.94,"sentiment":"neutral","sentiment_score":0.255619204044342}],"sentiment":"neutral","sentiment_score":0.19778470580394453,"channel":0,"num_words":13,"start":2.48,"end":5.94},{"sentences":[{"text":"Well, thanks.","start":6.24,"end":6.8799996,"sentiment":"positive","sentiment_score":0.41740942001342773},{"text":"How are 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bad.","start":17.925,"end":18.564999,"sentiment":"neutral","sentiment_score":0.0923103503882885},{"text":"Just a school drop off.","start":18.564999,"end":20.025,"sentiment":"neutral","sentiment_score":0.009834907948970795}],"sentiment":"neutral","sentiment_score":0.04076319886371493,"channel":1,"num_words":8,"start":17.925,"end":20.025},{"sentences":[{"text":"Oh, no.","start":20.375,"end":21.095,"sentiment":"neutral","sentiment_score":0.01581043377518654},{"text":"Wow.","start":21.095,"end":21.415,"sentiment":"neutral","sentiment_score":0.0840548425912857},{"text":"How did that go?","start":21.415,"end":22.295,"sentiment":"neutral","sentiment_score":0.14565905556082726},{"text":"Back to school.","start":22.295,"end":23.195,"sentiment":"neutral","sentiment_score":0.19186760981877646}],"sentiment":"neutral","sentiment_score":0.12739147618412971,"channel":0,"num_words":10,"start":20.375,"end":23.195},{"sentences":[{"text":"Very glad.","start":24.164999,"end":24.985,"sentiment":"positive","sentiment_score":0.6443120837211609},{"text":"Very glad back to school.","start":25.125,"end":26.585,"sentiment":"positive","sentiment_score":0.6267852544784546}],"sentiment":"positive","sentiment_score":0.6317929199763707,"channel":1,"num_words":7,"start":24.164999,"end":26.585},{"sentences":[{"text":"Yeah.","start":26.79,"end":27.27,"sentiment":"neutral","sentiment_score":0.30667510628700256},{"text":"I bet.","start":27.27,"end":28.01,"sentiment":"neutral","sentiment_score":0.3204716444015503},{"text":"All good, Caitlin.","start":29.19,"end":30.09,"sentiment":"positive","sentiment_score":0.5077623724937439},{"text":"Before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes.","start":30.630001,"end":35.27,"sentiment":"neutral","sentiment_score":0.11186739951372146},{"text":"Are you happy for me to proceed with that?","start":35.27,"end":37.45,"sentiment":"neutral","sentiment_score":0.19150650749603906}],"sentiment":"neutral","sentiment_score":0.1747787266969681,"channel":0,"num_words":40,"start":26.79,"end":37.45},{"sentences":[{"text":"Yeah.","start":37.61,"end":37.93,"sentiment":"neutral","sentiment_score":0.14410284161567688},{"text":"Go for it.","start":37.93,"end":38.829998,"sentiment":"neutral","sentiment_score":0.2698422968387604}],"sentiment":"neutral","sentiment_score":0.2384074330329895,"channel":1,"num_words":4,"start":37.61,"end":38.829998},{"sentences":[{"text":"Fantastic.","start":38.895,"end":39.395,"sentiment":"positive","sentiment_score":0.5719558596611023},{"text":"And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":39.535,"end":45.555,"sentiment":"neutral","sentiment_score":0.24218691628554773}],"sentiment":"neutral","sentiment_score":0.2531792143980662,"channel":0,"num_words":30,"start":38.895,"end":45.555},{"sentences":[{"text":"Caitlin Edwards.","start":46.665,"end":47.645,"sentiment":"neutral","sentiment_score":0.033482298254966736},{"text":"Agents of fifth nineteen ninety in 12 O'Keefe Street, Leichhardt.","start":48.505,"end":51.725,"sentiment":"neutral","sentiment_score":0.06308216601610184}],"sentiment":"neutral","sentiment_score":0.05814885472257932,"channel":1,"num_words":12,"start":46.665,"end":51.725},{"sentences":[{"text":"Beautiful.","start":52.51,"end":52.989998,"sentiment":"positive","sentiment_score":0.5551875829696655},{"text":"Thank you so much for that.","start":52.989998,"end":54.53,"sentiment":"positive","sentiment_score":0.6422520081202189},{"text":"So, Caitlin, I do normally send through a a copy of the annual review documents to your email.","start":54.829998,"end":59.149998,"sentiment":"neutral","sentiment_score":0.16774888005521563},{"text":"Are you able to access them at the moment?","start":59.149998,"end":60.989998,"sentiment":"neutral","sentiment_score":0.06266142676273982},{"text":"If you can't, that's honestly okay.","start":60.989998,"end":62.769997,"sentiment":"neutral","sentiment_score":-0.07233166446288426}],"sentiment":"neutral","sentiment_score":0.1889535581693053,"channel":0,"num_words":40,"start":52.51,"end":62.769997},{"sentences":[{"text":"Not at the moment.","start":64.3,"end":65.340004,"sentiment":"neutral","sentiment_score":-0.19777917489409447},{"text":"No.","start":65.340004,"end":65.840004,"sentiment":"neutral","sentiment_score":-0.1216721311211586}],"sentiment":"neutral","sentiment_score":-0.1825577661395073,"channel":1,"num_words":5,"start":64.3,"end":65.840004},{"sentences":[{"text":"No.","start":65.695,"end":66.095,"sentiment":"neutral","sentiment_score":-0.11089760810136796},{"text":"That's okay.","start":66.095,"end":66.895,"sentiment":"neutral","sentiment_score":-0.05116012692451477},{"text":"That's alright.","start":66.895,"end":67.455,"sentiment":"neutral","sentiment_score":0.08680195733904839},{"text":"And you've finished school drop off.","start":67.455,"end":68.735,"sentiment":"neutral","sentiment_score":0.07542727266748746},{"text":"Everyone's at school and ready for the 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a delay in the reporting side of things.","start":160.045,"end":163.08,"sentiment":"neutral","sentiment_score":-0.24931286160762495},{"text":"So if you ever are unsure of how things are going, you're welcome to give us a call.","start":163.08,"end":166.76,"sentiment":"neutral","sentiment_score":-0.004937423393130302},{"text":"Let us know.","start":166.76,"end":167.58,"sentiment":"neutral","sentiment_score":0.022847641880313557},{"text":"Do you have access to your hub twenty four?","start":168.2,"end":170.12,"sentiment":"neutral","sentiment_score":-0.006390190062423547},{"text":"Do you log in there very often at all?","start":170.12,"end":172.3,"sentiment":"neutral","sentiment_score":-0.02016755545304881}],"sentiment":"neutral","sentiment_score":-0.06731572319180347,"channel":0,"num_words":52,"start":160.045,"end":172.3},{"sentences":[{"text":"Not really.","start":172.57,"end":173.29001,"sentiment":"neutral","sentiment_score":-0.10206137597560883},{"text":"No.","start":173.29001,"end":173.53,"sentiment":"neutral","sentiment_score":-0.1426595151424408},{"text":"I figure it's just doing its thing.","start":173.53,"end":176.11,"sentiment":"neutral","sentiment_score":-0.139817048396383}],"sentiment":"neutral","sentiment_score":-0.13255016058683394,"channel":1,"num_words":10,"start":172.57,"end":176.11},{"sentences":[{"text":"Yeah.","start":176.615,"end":177.115,"sentiment":"neutral","sentiment_score":-0.023062333464622498},{"text":"Absolutely.","start":177.255,"end":177.755,"sentiment":"neutral","sentiment_score":0.0017340686172246933},{"text":"And you've got a lot of time.","start":178.215,"end":179.255,"sentiment":"neutral","sentiment_score":-0.030701065702097758},{"text":"You're still so young.","start":179.255,"end":180.215,"sentiment":"neutral","sentiment_score":-0.06973609700798988},{"text":"You can't access super at this point to the age of 60.","start":180.215,"end":182.955,"sentiment":"neutral","sentiment_score":-0.07030248548835516}],"sentiment":"neutral","sentiment_score":-0.05435239754617214,"channel":0,"num_words":25,"start":176.615,"end":182.955},{"sentences":[{"text":"So just letting it go","start":183.015,"end":184.295,"sentiment":"neutral","sentiment_score":-0.026675475016236305}],"sentiment":"neutral","sentiment_score":-0.026675475016236305,"channel":0,"num_words":5,"start":183.015,"end":184.295},{"sentences":[{"text":"Yeah.","start":184.215,"end":184.715,"sentiment":"neutral","sentiment_score":0.008093923330307007}],"sentiment":"neutral","sentiment_score":0.008093923330307007,"channel":1,"num_words":1,"start":184.215,"end":184.715},{"sentences":[{"text":"for the next year, thirty odd years is 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if","start":194.49,"end":195.93001,"sentiment":"neutral","sentiment_score":-0.062396674416959286}],"sentiment":"neutral","sentiment_score":-0.062396674416959286,"channel":1,"num_words":4,"start":194.49,"end":195.93001},{"sentences":[{"text":"Yeah.","start":195.79999,"end":196.29999,"sentiment":"neutral","sentiment_score":-0.0749950259923935}],"sentiment":"neutral","sentiment_score":-0.0749950259923935,"channel":0,"num_words":1,"start":195.79999,"end":196.29999},{"sentences":[{"text":"something's going wrong, you guys will let me know.","start":195.93001,"end":198.19,"sentiment":"neutral","sentiment_score":-0.10516995771063699}],"sentiment":"neutral","sentiment_score":-0.10516995771063699,"channel":1,"num_words":9,"start":195.93001,"end":198.19},{"sentences":[{"text":"Absolutely.","start":198.28,"end":198.78,"sentiment":"neutral","sentiment_score":0.028668712824583057},{"text":"Absolutely.","start":199.4,"end":199.9,"sentiment":"positive","sentiment_score":0.591042160987854},{"text":"And, look, I have had a really good look at things.","start":200.865,"end":203.105,"sentiment":"positive","sentiment_score":0.6473023566332731},{"text":"Obviously, having a look at your super, I've gone through all the individual investments there.","start":203.105,"end":207.265,"sentiment":"positive","sentiment_score":0.33568650285402934},{"text":"You have sort of had these investments for a couple of years now, so they have been working really well.","start":207.265,"end":212.405,"sentiment":"positive","sentiment_score":0.564928551018238}],"sentiment":"positive","sentiment_score":0.5015396949990342,"channel":0,"num_words":48,"start":198.28,"end":212.405},{"sentences":[{"text":"As a whole, when we look at your total portfolio after the past twelve months, you have returned a return of about 5.37% net of fees.","start":212.705,"end":221.99,"sentiment":"positive","sentiment_score":0.41266989364073825},{"text":"So it's earnings and income of over $10,000 in the last twelve months, realistically.","start":221.99,"end":227.13,"sentiment":"neutral","sentiment_score":0.33190660391535076},{"text":"And I'm just double checking the portfolio you're in.","start":228.10501,"end":231.225,"sentiment":"neutral","sentiment_score":0.13286171191268498},{"text":"It looks like you're in more of that gross kind of space there, but I'm just double checking.","start":231.225,"end":235.96501,"sentiment":"neutral","sentiment_score":0.07494218926876783},{"text":"Sorry.","start":236.585,"end":237.085,"sentiment":"neutral","sentiment_score":-0.0744171217083931}],"sentiment":"neutral","sentiment_score":0.26244716737967205,"channel":0,"num_words":68,"start":212.705,"end":237.085},{"sentences":[{"text":"It's still early morning.","start":237.625,"end":238.925,"sentiment":"neutral","sentiment_score":-0.1626140009611845},{"text":"Computer's a little bit slow.","start":240.90001,"end":242.44,"sentiment":"neutral","sentiment_score":-0.315722131729126},{"text":"There we go.","start":244.34,"end":245.24,"sentiment":"neutral","sentiment_score":-0.11650575200716655},{"text":"So, realistically, having a look at all the individual investments there, they are and have tracked a little bit lower than where I would sort of like for the year, But with what has been sort of reported between The US and Iran war, it hasn't there has been a lot more volatility this year out of the markets as well.","start":246.34,"end":262.475,"sentiment":"neutral","sentiment_score":-0.12464726600246351},{"text":"So","start":262.475,"end":262.975,"sentiment":"neutral","sentiment_score":0.014843426644802094}],"sentiment":"neutral","sentiment_score":-0.13739491510834242,"channel":0,"num_words":74,"start":237.625,"end":262.975},{"sentences":[{"text":"Yeah.","start":263.42,"end":263.92,"sentiment":"neutral","sentiment_score":0.07801427692174911}],"sentiment":"neutral","sentiment_score":0.07801427692174911,"channel":1,"num_words":1,"start":263.42,"end":263.92},{"sentences":[{"text":"a lower return is expected, and I'm still happy that you got a positive return after the last 12 there, but still would like to see more of a return on your side of things.","start":263.435,"end":273.31998,"sentiment":"neutral","sentiment_score":0.33026972562074663},{"text":"I will go through and just double check your risk profile with you shortly just to make sure that it is all comfortable for you.","start":274.1,"end":280.18,"sentiment":"neutral","sentiment_score":0.09165699630975724},{"text":"But I'm just logging into your fund to have a look at the portfolio that you're in with regard to which one it is.","start":280.18,"end":290.045,"sentiment":"neutral","sentiment_score":0.05487623508088291},{"text":"And my computer's a little bit slow.","start":291.065,"end":292.745,"sentiment":"neutral","sentiment_score":-0.20592723893267767},{"text":"Sorry about that.","start":292.745,"end":293.725,"sentiment":"neutral","sentiment_score":-0.13825590411822}],"sentiment":"neutral","sentiment_score":0.14161315490987073,"channel":0,"num_words":94,"start":263.435,"end":293.725},{"sentences":[{"text":"That's alright.","start":294.15,"end":294.855,"sentiment":"neutral","sentiment_score":-0.015459355432540178}],"sentiment":"neutral","sentiment_score":-0.015459355432540178,"channel":1,"num_words":2,"start":294.15,"end":294.855},{"sentences":[{"text":"Zero two four.","start":297.11002,"end":298.09,"sentiment":"neutral","sentiment_score":0.013953916418055693},{"text":"There we go.","start":306.15,"end":307.21002,"sentiment":"neutral","sentiment_score":0.08274310578902562},{"text":"Perfect.","start":312.88498,"end":313.38498,"sentiment":"positive","sentiment_score":0.3352844715118408},{"text":"So having a look at where things are, yeah, you are in that growth sort of area.","start":313.925,"end":318.16498,"sentiment":"neutral","sentiment_score":0.12235982124419774},{"text":"So that sort of portfolio generally sees about 80% of your super invested in growth assets.","start":318.16498,"end":323.37,"sentiment":"neutral","sentiment_score":0.13424765318632126}],"sentiment":"neutral","sentiment_score":0.12133637375663966,"channel":0,"num_words":40,"start":297.11002,"end":323.37},{"sentences":[{"text":"So looking at things like Australian shares, international shares, listed property is also generally in there, and then also commodities like gold and silver.","start":323.37,"end":331.37,"sentiment":"neutral","sentiment_score":0.14344027638435364},{"text":"And you've definitely got some physical gold in there, which looking at your portfolio has returned over a 10 a 10% return for the year.","start":331.37,"end":338.49,"sentiment":"positive","sentiment_score":0.34228696942329406},{"text":"So it is really good.","start":338.49,"end":339.775,"sentiment":"positive","sentiment_score":0.5622672021389008},{"text":"It has been working nicely, and you've come up with a positive.","start":339.775,"end":342.675,"sentiment":"positive","sentiment_score":0.686348150173823},{"text":"But I have seen one or two of your investments that are slightly underperforming a little bit, and I think it is time to make sure things are updated on a regular basis there for you.","start":343.535,"end":353.79498,"sentiment":"neutral","sentiment_score":-0.25968101082576645}],"sentiment":"neutral","sentiment_score":0.13430135580254535,"channel":0,"num_words":102,"start":323.37,"end":353.79498},{"sentences":[{"text":"And we just maybe switch out some of those investments.","start":354.04,"end":356.28,"sentiment":"neutral","sentiment_score":-0.052117429487407205},{"text":"Are you comfortable with me going back, reviewing those, and maybe making an updated recommendation to switch them out, maybe look at a portfolio that's performing better for you?","start":356.28,"end":364.7,"sentiment":"neutral","sentiment_score":-0.022803572680929612}],"sentiment":"neutral","sentiment_score":-0.030319946221052073,"channel":0,"num_words":39,"start":354.04,"end":364.7},{"sentences":[{"text":"Yeah.","start":365.22,"end":365.46002,"sentiment":"neutral","sentiment_score":0.026470907032489777},{"text":"Sure.","start":365.46002,"end":365.96002,"sentiment":"neutral","sentiment_score":0.06591212749481201}],"sentiment":"neutral","sentiment_score":0.046191517263650894,"channel":1,"num_words":2,"start":365.22,"end":365.96002},{"sentences":[{"text":"Yep.","start":366.29498,"end":366.535,"sentiment":"neutral","sentiment_score":0.11850287020206451},{"text":"Fantastic.","start":366.535,"end":367.035,"sentiment":"positive","sentiment_score":0.4090106189250946},{"text":"With that growth kind of environment, we are sort of tracking to try and obtain a return of around about seven to 9% on an annual basis, but with the expected volatility, you can see in the market.","start":368.29498,"end":378.9,"sentiment":"neutral","sentiment_score":0.12043338308208867},{"text":"So when we see really good returns out of this sort of a portfolio, you can be expecting an extra 14 sorry, an extra 11% on top of the expected seven to 9% return.","start":378.9,"end":389.69998,"sentiment":"neutral","sentiment_score":0.10904356661964865},{"text":"However, in downtime, because you are kind of taking a little bit more risk in the market, you can also see a negative 11% under that 7% return as well.","start":389.69998,"end":399.035,"sentiment":"neutral","sentiment_score":-0.23972808420658112}],"sentiment":"neutral","sentiment_score":0.01557327677997259,"channel":0,"num_words":104,"start":366.29498,"end":399.035},{"sentences":[{"text":"So it's about understanding the volatility and the expected highs and lows that you could see within this sort of a portfolio and just making sure you're comfortable with it.","start":399.035,"end":407.4,"sentiment":"neutral","sentiment_score":-0.06732052676379681},{"text":"Realistically, for your age and stage, because you can't access super, you know, until the age of 60 at this point, that sort of environment suits your time horizon.","start":408.28,"end":417.5,"sentiment":"neutral","sentiment_score":0.027187008410692215},{"text":"For your age group, we'd normally like to see you with that growth or high growth environment because you can take on more risk now, go through the downtimes, and you're not accessing the super.","start":417.88,"end":427.335,"sentiment":"neutral","sentiment_score":0.017834819853305817},{"text":"So it is a good place for you to definitely be.","start":427.335,"end":430.795,"sentiment":"neutral","sentiment_score":0.3195535323836587},{"text":"I do wanna have a look and maybe remove some underperforming investments there for you and just maybe update the the projection outcome for you so you can sort of see based on our recommendations, your current, and what I'm gonna recommend for you, where that's projected to look like over the next five to ten years for you.","start":431.015,"end":447.5,"sentiment":"neutral","sentiment_score":0.12439205383850356}],"sentiment":"neutral","sentiment_score":0.06248320834484042,"channel":0,"num_words":164,"start":399.035,"end":447.5},{"sentences":[{"text":"Does that sound okay?","start":447.5,"end":448.38,"sentiment":"neutral","sentiment_score":0.11590007320046425},{"text":"And do you have any questions?","start":448.38,"end":449.84003,"sentiment":"neutral","sentiment_score":0.01090015952164928}],"sentiment":"neutral","sentiment_score":0.05290012499317527,"channel":0,"num_words":10,"start":447.5,"end":449.84003},{"sentences":[{"text":"No.","start":450.91,"end":451.31,"sentiment":"neutral","sentiment_score":-0.10907485336065292},{"text":"Not really.","start":451.31,"end":451.63,"sentiment":"neutral","sentiment_score":-0.12536973506212234},{"text":"I don't have any questions.","start":451.63,"end":452.85,"sentiment":"neutral","sentiment_score":-0.12034805864095688}],"sentiment":"neutral","sentiment_score":-0.12019432708621025,"channel":1,"num_words":8,"start":450.91,"end":452.85},{"sentences":[{"text":"Yeah.","start":452.495,"end":452.995,"sentiment":"neutral","sentiment_score":0.027820760384202003},{"text":"Beautiful.","start":453.375,"end":453.875,"sentiment":"neutral","sentiment_score":0.11187290400266647},{"text":"Excellent.","start":454.015,"end":454.415,"sentiment":"positive","sentiment_score":0.6611793637275696},{"text":"Well, I'll go back and do some research around those investments, maybe swap them out.","start":454.415,"end":458.195,"sentiment":"neutral","sentiment_score":0.13963545014460882},{"text":"One of the things that I did sort of wanna check-in with you is that within your portfolio, one of the underlying investments that is underperforming is called the Benelon Australian Equities.","start":458.575,"end":468.26,"sentiment":"neutral","sentiment_score":0.04940128809539601}],"sentiment":"neutral","sentiment_score":0.08952491998672485,"channel":0,"num_words":50,"start":452.495,"end":468.26},{"sentences":[{"text":"Now that was originally put into your portfolio because they're more of an actively managed fund.","start":468.26,"end":473.22,"sentiment":"neutral","sentiment_score":0.037376541760750115},{"text":"It's an active manager.","start":473.22,"end":474.44,"sentiment":"neutral","sentiment_score":0.05890140403062105},{"text":"The manager of that fund is trying to outperform against the market, so they should be buying and selling and picking and trying to time the market.","start":474.74,"end":481.235,"sentiment":"neutral","sentiment_score":0.07855046650877705},{"text":"Active managers, when you have those in your investments, they can cost a little bit more in management fees and things like 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minute.","start":504.935,"end":505.75497,"sentiment":"neutral","sentiment_score":-0.00806044756124417}],"sentiment":"neutral","sentiment_score":-0.00806044756124417,"channel":1,"num_words":3,"start":504.935,"end":505.75497},{"sentences":[{"text":"Yep.","start":505.39502,"end":505.89502,"sentiment":"neutral","sentiment_score":0.01843743771314621},{"text":"No.","start":506.11502,"end":506.355,"sentiment":"neutral","sentiment_score":-0.022998761385679245},{"text":"That's okay.","start":506.355,"end":507.095,"sentiment":"neutral","sentiment_score":0.054364532232284546},{"text":"I can look at both for you, look at the the fees, the outcome, the overall, what that looks like for you.","start":507.155,"end":513.555,"sentiment":"neutral","sentiment_score":0.08989068442447619},{"text":"I also take into account CGT consequences.","start":513.555,"end":515.97504,"sentiment":"neutral","sentiment_score":0.04851991736463138}],"sentiment":"neutral","sentiment_score":0.07337582483887672,"channel":0,"num_words":33,"start":505.39502,"end":515.97504},{"sentences":[{"text":"So because like just like you and I, your super fund does a tax return every year.","start":516.515,"end":520.86,"sentiment":"neutral","sentiment_score":0.025972610010820275},{"text":"So when we do switch investments and buy and sell, your super fund does have to account for income tax and CGT tax and things like 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okay?","start":541.425,"end":542.725,"sentiment":"neutral","sentiment_score":0.08223524503409863}],"sentiment":"neutral","sentiment_score":0.07964595795628872,"channel":0,"num_words":47,"start":529.89996,"end":542.725},{"sentences":[{"text":"Yeah.","start":543.24,"end":543.56,"sentiment":"neutral","sentiment_score":0.12744596600532532},{"text":"Sounds great.","start":543.56,"end":544.3,"sentiment":"positive","sentiment_score":0.39364834129810333}],"sentiment":"neutral","sentiment_score":0.3049142162005107,"channel":1,"num_words":3,"start":543.24,"end":544.3},{"sentences":[{"text":"Yep.","start":544.145,"end":544.59,"sentiment":"neutral","sentiment_score":0.257397323846817},{"text":"Beautiful.","start":544.83,"end":545.33,"sentiment":"positive","sentiment_score":0.5828465223312378},{"text":"Fantastic.","start":545.55005,"end":546.03,"sentiment":"positive","sentiment_score":0.5816246271133423},{"text":"I've got a couple of options for investments to swap out, so I'll look at doing that.","start":546.03,"end":549.71,"sentiment":"neutral","sentiment_score":0.25247810868655934},{"text":"It'll take just a couple of weeks to put that advice together, but then we'll come back and I'll go through it with you.","start":549.71,"end":555.47003,"sentiment":"neutral","sentiment_score":0.24763035587966442}],"sentiment":"neutral","sentiment_score":0.26493465595624666,"channel":0,"num_words":44,"start":544.145,"end":555.47003},{"sentences":[{"text":"Okay?","start":555.47003,"end":555.97003,"sentiment":"neutral","sentiment_score":0.21276189386844635}],"sentiment":"neutral","sentiment_score":0.21276189386844635,"channel":0,"num_words":1,"start":555.47003,"end":555.97003},{"sentences":[{"text":"Awesome.","start":556.805,"end":557.125,"sentiment":"positive","sentiment_score":0.5633814334869385},{"text":"Sounds 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me","start":727.595,"end":728.075,"sentiment":"neutral","sentiment_score":0.04657218108574549}],"sentiment":"neutral","sentiment_score":0.04657218108574549,"channel":0,"num_words":3,"start":727.595,"end":728.075},{"sentences":[{"text":"so.","start":727.935,"end":728.435,"sentiment":"neutral","sentiment_score":0.09128379076719284}],"sentiment":"neutral","sentiment_score":0.09128379076719284,"channel":1,"num_words":1,"start":727.935,"end":728.435},{"sentences":[{"text":"know.","start":728.075,"end":728.575,"sentiment":"neutral","sentiment_score":0.02764252945780754}],"sentiment":"neutral","sentiment_score":0.02764252945780754,"channel":0,"num_words":1,"start":728.075,"end":728.575},{"sentences":[{"text":"No.","start":730.10004,"end":730.34,"sentiment":"neutral","sentiment_score":-0.24124613404273987},{"text":"I think that would be fine at the minute.","start":730.34,"end":732.28,"sentiment":"neutral","sentiment_score":-0.1429940847059091}],"sentiment":"neutral","sentiment_score":-0.15281928963959218,"channel":1,"num_words":10,"start":730.10004,"end":732.28},{"sentences":[{"text":"Yep.","start":732.475,"end":732.795,"sentiment":"neutral","sentiment_score":0.11569325625896454},{"text":"That's absolutely fine.","start":732.795,"end":733.675,"sentiment":"neutral","sentiment_score":0.29423442482948303},{"text":"If you discover that you do kind of wanna have that altered or changed, please let me know.","start":733.675,"end":738.395,"sentiment":"neutral","sentiment_score":0.09087151102721691},{"text":"I'm more than happy to, you know, have that conversation.","start":738.395,"end":740.77997,"sentiment":"positive","sentiment_score":0.4956232964992523},{"text":"You're not limited to one per year if you, at some point, decide that that's not quite appropriate.","start":741.08,"end":745.88,"sentiment":"neutral","sentiment_score":-0.16118104466133648}],"sentiment":"neutral","sentiment_score":0.09378115780651569,"channel":0,"num_words":50,"start":732.475,"end":745.88},{"sentences":[{"text":"You don't want that amount.","start":745.88,"end":747.42,"sentiment":"neutral","sentiment_score":-0.23820862770080567},{"text":"You wanna look at altering it, just let me know.","start":747.56,"end":749.48,"sentiment":"neutral","sentiment_score":0.03856494165956974},{"text":"We can always come back and have that conversation.","start":749.48,"end":751.5,"sentiment":"neutral","sentiment_score":0.17602658851279152},{"text":"Okay.","start":751.88,"end":752.38,"sentiment":"neutral","sentiment_score":0.29884421825408936}],"sentiment":"neutral","sentiment_score":0.043107591718435284,"channel":0,"num_words":25,"start":745.88,"end":752.38},{"sentences":[{"text":"Cool.","start":753.115,"end":753.615,"sentiment":"positive","sentiment_score":0.5436697006225586}],"sentiment":"positive","sentiment_score":0.5436697006225586,"channel":1,"num_words":1,"start":753.115,"end":753.615},{"sentences":[{"text":"Beautiful.","start":753.795,"end":754.295,"sentiment":"positive","sentiment_score":0.5792120695114136},{"text":"Now you do have with total permanent disability the same level of cover.","start":754.435,"end":757.875,"sentiment":"neutral","sentiment_score":0.09298985938613231},{"text":"So it's a 575 sorry.","start":757.875,"end":760.27496,"sentiment":"neutral","sentiment_score":0.04796335995197296},{"text":"$525,000.","start":760.27496,"end":761.495,"sentiment":"neutral","sentiment_score":0.07199737429618835},{"text":"But then, obviously, with your PPD, a lot of people aren't sort of aware, but we also do access or can access your super under permanent incapacity as well.","start":761.875,"end":770.93,"sentiment":"neutral","sentiment_score":0.04202109386999931}],"sentiment":"neutral","sentiment_score":0.06772461505749319,"channel":0,"num_words":49,"start":753.795,"end":770.93},{"sentences":[{"text":"So you can receive your super benefit paid out.","start":770.93,"end":774.07,"sentiment":"neutral","sentiment_score":0.17312748978535333},{"text":"Again, that does give you about $6,673,000 there.","start":774.20996,"end":778.335,"sentiment":"neutral","sentiment_score":0.0897040544077754},{"text":"One of the things I do kind of like to make sure you're aware of is that TBD, if in the event that you claim on total permanent incapacity, and you're under the age of 60, if you take the amount out of super, it's actually taxed up to twenty two percent.","start":778.41504,"end":791.715,"sentiment":"neutral","sentiment_score":-0.08923786248152073},{"text":"It's horrible, and","start":791.775,"end":793.05005,"sentiment":"negative","sentiment_score":-0.7278553048769633}],"sentiment":"neutral","sentiment_score":-0.06316881833804978,"channel":0,"num_words":72,"start":770.93,"end":793.05005},{"sentences":[{"text":"Yes.","start":793.05,"end":793.45,"sentiment":"negative","sentiment_score":-0.6283900141716003}],"sentiment":"negative","sentiment_score":-0.6283900141716003,"channel":1,"num_words":1,"start":793.05,"end":793.45},{"sentences":[{"text":"I don't 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they had this, like, massive debt to Centrelink and all kinds of things.","start":809.04,"end":814.16003,"sentiment":"neutral","sentiment_score":-0.2700104798589434},{"text":"And I was like, I'm","start":814.16003,"end":815.12,"sentiment":"neutral","sentiment_score":-0.28655670285224916}],"sentiment":"neutral","sentiment_score":-0.2743647490677081,"channel":1,"num_words":19,"start":809.04,"end":815.12},{"sentences":[{"text":"Yeah.","start":814.985,"end":815.485,"sentiment":"neutral","sentiment_score":-0.28139442205429077}],"sentiment":"neutral","sentiment_score":-0.28139442205429077,"channel":0,"num_words":1,"start":814.985,"end":815.485},{"sentences":[{"text":"never touching mine ever.","start":815.12,"end":816.58,"sentiment":"negative","sentiment_score":-0.36142297834157944}],"sentiment":"negative","sentiment_score":-0.36142297834157944,"channel":1,"num_words":4,"start":815.12,"end":816.58},{"sentences":[{"text":"It is really 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known when you kinda fill out the forms to do to access your super and things like that.","start":828.17004,"end":833.49506,"sentiment":"neutral","sentiment_score":-0.24352723813575247},{"text":"A lot of people aren't told, and then all of a sudden, they've drawn money out.","start":833.49506,"end":837.255,"sentiment":"neutral","sentiment_score":-0.28575801849365234},{"text":"There's, you know, a big debt coming or there's extra money that's missing, and there's a tax bill or something like that.","start":837.255,"end":843.335,"sentiment":"negative","sentiment_score":-0.33523926545273175},{"text":"So","start":843.335,"end":843.835,"sentiment":"neutral","sentiment_score":-0.13725490868091583}],"sentiment":"neutral","sentiment_score":-0.2881036417351829,"channel":0,"num_words":72,"start":824.81,"end":843.835},{"sentences":[{"text":"Yes.","start":844.02,"end":844.395,"sentiment":"neutral","sentiment_score":-0.2184959053993225}],"sentiment":"neutral","sentiment_score":-0.2184959053993225,"channel":1,"num_words":1,"start":844.02,"end":844.395},{"sentences":[{"text":"it is something that's not well known, but the same thing happens under total incapacity, and I dislike that in any way, shape, or form.","start":844.215,"end":851.55,"sentiment":"negative","sentiment_score":-0.4811776828765869},{"text":"I think if you are unable to ever go back to work again due to disability, the last thing the government should be doing is taxing the payment for you.","start":851.55,"end":858.69,"sentiment":"negative","sentiment_score":-0.5573141594727834}],"sentiment":"negative","sentiment_score":-0.5227066701108759,"channel":0,"num_words":55,"start":844.215,"end":858.69},{"sentences":[{"text":"Yeah.","start":859.22003,"end":859.72003,"sentiment":"neutral","sentiment_score":-0.15246593952178955}],"sentiment":"neutral","sentiment_score":-0.15246593952178955,"channel":1,"num_words":1,"start":859.22003,"end":859.72003},{"sentences":[{"text":"But given your current level of cover, the tax is up to 22%.","start":859.31,"end":864.135,"sentiment":"neutral","sentiment_score":-0.2091619372367859},{"text":"It can be lesser, and there are things that we can do.","start":864.51495,"end":867.15497,"sentiment":"neutral","sentiment_score":-0.17652969807386398},{"text":"If you were to claim on TBD, I would look at providing financial advice on how to limit the tax for you, but also make sure you get the benefit to last as long as possible as well because a lot of people in that instance take out a lump sum, the whole amount, and then the money's gone within about twelve months.","start":867.15497,"end":882.62,"sentiment":"neutral","sentiment_score":0.014101962603273847},{"text":"So","start":882.62,"end":883.12,"sentiment":"neutral","sentiment_score":0.12574002146720886}],"sentiment":"neutral","sentiment_score":-0.04295840332012498,"channel":0,"num_words":89,"start":859.31,"end":883.12},{"sentences":[{"text":"Yeah.","start":883.28503,"end":883.78503,"sentiment":"neutral","sentiment_score":0.22983068227767944}],"sentiment":"neutral","sentiment_score":0.22983068227767944,"channel":1,"num_words":1,"start":883.28503,"end":883.78503},{"sentences":[{"text":"it is really important to kinda keep that money lasting as long as possible.","start":883.42,"end":887.04,"sentiment":"positive","sentiment_score":0.37152127070086344},{"text":"Based on the 22% tax, it does mean out of the total benefit, if you were TPD today, and you took the full lump sum, the tax is roughly 148,000, which means that at the end of it, you could be left with about $524,009.69.","start":887.82,"end":904.005,"sentiment":"neutral","sentiment_score":0.11324887664781677},{"text":"It does lessen the benefit amount.","start":904.79,"end":906.97,"sentiment":"negative","sentiment_score":-0.4215831160545349},{"text":"That, again, if you were TPD'd, could pay off the mortgage you have","start":907.26996,"end":911.11,"sentiment":"neutral","sentiment_score":-0.03656470517699535}],"sentiment":"neutral","sentiment_score":0.09349560737609863,"channel":0,"num_words":78,"start":883.42,"end":911.11},{"sentences":[{"text":"Shit.","start":911.095,"end":911.595,"sentiment":"neutral","sentiment_score":-0.04707437753677368}],"sentiment":"neutral","sentiment_score":-0.04707437753677368,"channel":1,"num_words":1,"start":911.095,"end":911.595},{"sentences":[{"text":"there.","start":911.11,"end":911.58997,"sentiment":"neutral","sentiment_score":-0.0407104417681694},{"text":"So if we subtract the $2.25, that then leaves you about 299,000, which if you were, say, live on 50 or $60,000 a year, because you could still obviously get your fortnightly Centrelink payments and things like that, would last you with about four to five years worth of income replacement.","start":911.58997,"end":933.57,"sentiment":"neutral","sentiment_score":0.061789172171962024},{"text":"Did you want me to kind of reassess the TPD, or do you feel like that's comfortable at the moment for you?","start":933.79004,"end":939.09,"sentiment":"neutral","sentiment_score":-0.08133619668131525}],"sentiment":"neutral","sentiment_score":0.017853256919094035,"channel":0,"num_words":74,"start":911.11,"end":939.09},{"sentences":[{"text":"I think it's comfortable at that 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income that you've earned prior to you being off work.","start":1007.655,"end":1011.755,"sentiment":"neutral","sentiment_score":0.019392249706600393},{"text":"And if you're receiving any regular Centrelink payments or any other offset payments, say, from workers' compensation or annual leave or sick leave, things like that, that can reduce the amount that you are covered for.","start":1012.02,"end":1024.3601,"sentiment":"neutral","sentiment_score":-0.00656141247600317},{"text":"So they sort of assess it that way.","start":1025.14,"end":1027.735,"sentiment":"neutral","sentiment_score":-0.011281776241958141},{"text":"Your income, you kind of mentioned, is about 80,000 with the Centrelink side of things.","start":1028.755,"end":1034.115,"sentiment":"neutral","sentiment_score":0.03177284548679988}],"sentiment":"neutral","sentiment_score":0.01591374476028736,"channel":0,"num_words":86,"start":1003.975,"end":1034.115},{"sentences":[{"text":"How much are you just earning in your part time role in child care?","start":1034.115,"end":1039.1749,"sentiment":"neutral","sentiment_score":0.02462290832772851}],"sentiment":"neutral","sentiment_score":0.02462290832772851,"channel":0,"num_words":14,"start":1034.115,"end":1039.1749},{"sentences":[{"text":"Oh, I'm not in childcare.","start":1040.095,"end":1041.315,"sentiment":"neutral","sentiment_score":-0.08734879270195961}],"sentiment":"neutral","sentiment_score":-0.08734879270195961,"channel":1,"num_words":5,"start":1040.095,"end":1041.315},{"sentences":[{"text":"Oh, so sorry.","start":1041.53,"end":1042.3301,"sentiment":"neutral","sentiment_score":-0.08286421249310176},{"text":"It's a government administration.","start":1042.3301,"end":1043.53,"sentiment":"neutral","sentiment_score":-0.09350192174315453},{"text":"I do apologize.","start":1043.53,"end":1044.25,"sentiment":"neutral","sentiment_score":-0.10602274785439174},{"text":"I read 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fine.","start":1046.9701,"end":1047.79,"sentiment":"neutral","sentiment_score":-0.020470923744142056},{"text":"I read the wrong one.","start":1048.41,"end":1049.2101,"sentiment":"neutral","sentiment_score":-0.05427870787680149},{"text":"You've got diploma in child services.","start":1049.2101,"end":1050.99,"sentiment":"neutral","sentiment_score":0.022097528834516805}],"sentiment":"neutral","sentiment_score":-0.023447518702596426,"channel":0,"num_words":15,"start":1046.5701,"end":1050.99},{"sentences":[{"text":"It's about the 60,000.","start":1053.93,"end":1056.73,"sentiment":"neutral","sentiment_score":0.028904009144753218},{"text":"I know Centrelink's 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thousand?","start":1064.7649,"end":1065.585,"sentiment":"neutral","sentiment_score":0.014829439111053944}],"sentiment":"neutral","sentiment_score":0.014829439111053944,"channel":0,"num_words":2,"start":1064.7649,"end":1065.585},{"sentences":[{"text":"I think.","start":1065.37,"end":1066.03,"sentiment":"neutral","sentiment_score":0.024753687903285027}],"sentiment":"neutral","sentiment_score":0.024753687903285027,"channel":1,"num_words":2,"start":1065.37,"end":1066.03},{"sentences":[{"text":"Yep.","start":1066.35,"end":1066.85,"sentiment":"neutral","sentiment_score":0.1125323474407196},{"text":"That's okay.","start":1066.91,"end":1067.73,"sentiment":"neutral","sentiment_score":0.22647151350975037},{"text":"So 60,000.","start":1068.67,"end":1069.89,"sentiment":"neutral","sentiment_score":0.22134950011968613},{"text":"Perfect.","start":1072.11,"end":1072.61,"sentiment":"positive","sentiment_score":0.5699806213378906},{"text":"So with income protection, you can be covered for up to 70% of your pretax income.","start":1072.83,"end":1078.61,"sentiment":"neutral","sentiment_score":0.2918398529291153}],"sentiment":"neutral","sentiment_score":0.2839814837683331,"channel":0,"num_words":22,"start":1066.35,"end":1078.61},{"sentences":[{"text":"If we looked at the full 70%, it would show that you would need to have a monthly benefit of about 3,500.","start":1079.945,"end":1086.265,"sentiment":"neutral","sentiment_score":0.1837394650686871},{"text":"That's pretax because with income protection payments, income tax is also deducted out of the amount.","start":1086.265,"end":1091.945,"sentiment":"neutral","sentiment_score":0.15702338051050901},{"text":"So, realistically, on a monthly basis, you could expect about $3,000 to be paid out of that.","start":1091.945,"end":1097.8301,"sentiment":"neutral","sentiment_score":0.18791290241129258},{"text":"With the current cover you have, it has a monthly benefit of $2,998.","start":1098.53,"end":1104.2301,"sentiment":"neutral","sentiment_score":0.13093730578055748},{"text":"It","start":1104.8501,"end":1105.0901,"sentiment":"neutral","sentiment_score":0.04311267286539078}],"sentiment":"neutral","sentiment_score":0.1665863667925199,"channel":0,"num_words":69,"start":1079.945,"end":1105.0901},{"sentences":[{"text":"Mhmm.","start":1105.005,"end":1105.505,"sentiment":"neutral","sentiment_score":0.0295477993786335}],"sentiment":"neutral","sentiment_score":0.0295477993786335,"channel":1,"num_words":1,"start":1105.005,"end":1105.505},{"sentences":[{"text":"is just slightly under the amount.","start":1105.0901,"end":1106.93,"sentiment":"neutral","sentiment_score":-0.06747260689735413},{"text":"So you are slightly underinsured there, but in the event of you being unable to go to work and meeting the ninety day waiting period, you could say realistically get about 2,500 as a monthly benefit and then also receiving your Centrelink on top of that.","start":1106.93,"end":1121.88,"sentiment":"neutral","sentiment_score":0.019410773787809456},{"text":"Does that feel appropriate?","start":1121.88,"end":1123.0801,"sentiment":"neutral","sentiment_score":0.11227799020707607},{"text":"Does that feel like it would cover most of your expenses, or how do you feel about that amount?","start":1123.0801,"end":1127.5,"sentiment":"neutral","sentiment_score":0.0850755033132277}],"sentiment":"neutral","sentiment_score":0.034048086355129875,"channel":0,"num_words":75,"start":1105.0901,"end":1127.5},{"sentences":[{"text":"I think it would be fine.","start":1128.1951,"end":1130.535,"sentiment":"neutral","sentiment_score":0.2030622735619545}],"sentiment":"neutral","sentiment_score":0.2030622735619545,"channel":1,"num_words":6,"start":1128.1951,"end":1130.535},{"sentences":[{"text":"That would be okay?","start":1131.24,"end":1132.2001,"sentiment":"neutral","sentiment_score":0.2543412446975708},{"text":"Yep.","start":1132.2001,"end":1132.52,"sentiment":"neutral","sentiment_score":0.13337840139865875},{"text":"That's","start":1132.52,"end":1132.76,"sentiment":"neutral","sentiment_score":0.16390460729599}],"sentiment":"neutral","sentiment_score":0.21910799791415533,"channel":0,"num_words":6,"start":1131.24,"end":1132.76},{"sentences":[{"text":"I 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work and on a claim.","start":1134.495,"end":1137.875,"sentiment":"neutral","sentiment_score":-0.2145502928357858},{"text":"That's probably the worst time to have to think about that sort of thing, but it's always just kind of working out, am I comfortable with this now?","start":1138.495,"end":1145.715,"sentiment":"neutral","sentiment_score":-0.1581751790695957},{"text":"If I wasn't a claim, would that be appropriate?","start":1145.855,"end":1148.115,"sentiment":"neutral","sentiment_score":-0.10089984867307875}],"sentiment":"neutral","sentiment_score":-0.1528574898838997,"channel":0,"num_words":52,"start":1133.3201,"end":1148.115},{"sentences":[{"text":"Keeping in mind, Centrelink is indexed on a regular basis as well.","start":1148.96,"end":1153.86,"sentiment":"neutral","sentiment_score":0.06993279947588842},{"text":"So it is due to be reassessed and indexed again in September this year, so you your payments could continuously go up there as well.","start":1154.0,"end":1161.14,"sentiment":"neutral","sentiment_score":0.11612692534923554},{"text":"Okay?","start":1161.2001,"end":1161.7001,"sentiment":"neutral","sentiment_score":0.11030323803424837}],"sentiment":"neutral","sentiment_score":0.10138605172304731,"channel":0,"num_words":38,"start":1148.96,"end":1161.7001},{"sentences":[{"text":"Cool.","start":1162.3251,"end":1162.8251,"sentiment":"positive","sentiment_score":0.6337447166442871}],"sentiment":"positive","sentiment_score":0.6337447166442871,"channel":1,"num_words":1,"start":1162.3251,"end":1162.8251},{"sentences":[{"text":"Excellent.","start":1163.1951,"end":1163.6951,"sentiment":"positive","sentiment_score":0.7210449576377869},{"text":"Now you do have a five year benefit and a ninety day waiting period on the income protection policy.","start":1164.235,"end":1169.275,"sentiment":"neutral","sentiment_score":0.27884089789892497},{"text":"It just means you have to be offered ninety days prior to making a claim.","start":1169.275,"end":1172.5751,"sentiment":"neutral","sentiment_score":0.17279062867164613},{"text":"I always let everyone know that if you are going to make a claim or you're off work, let us know at the first instance.","start":1172.875,"end":1179.78,"sentiment":"neutral","sentiment_score":0.15554949924349784},{"text":"That way, we can let the insurer know, and that starts the waiting period so we can get the claim forms ready to go.","start":1179.78,"end":1186.44,"sentiment":"neutral","sentiment_score":0.2551163136959076}],"sentiment":"neutral","sentiment_score":0.22169536259025335,"channel":0,"num_words":84,"start":1163.1951,"end":1186.44},{"sentences":[{"text":"And then at that ninety days, they can all be filled out and submitted to the insurer.","start":1186.58,"end":1190.74,"sentiment":"neutral","sentiment_score":0.28194079416639667},{"text":"It makes the claims process much smoother for you.","start":1190.74,"end":1193.6051,"sentiment":"positive","sentiment_score":0.41639431317647296},{"text":"Okay?","start":1193.6051,"end":1194.1051,"sentiment":"neutral","sentiment_score":0.18654949963092804}],"sentiment":"neutral","sentiment_score":0.323225622927701,"channel":0,"num_words":27,"start":1186.58,"end":1194.1051},{"sentences":[{"text":"Excellent.","start":1194.7101,"end":1195.2101,"sentiment":"positive","sentiment_score":0.5299622416496277}],"sentiment":"positive","sentiment_score":0.5299622416496277,"channel":1,"num_words":1,"start":1194.7101,"end":1195.2101},{"sentences":[{"text":"And then a five year benefit period is a great benefit period.","start":1195.2051,"end":1198.245,"sentiment":"positive","sentiment_score":0.4475697676340739},{"text":"While most income protection claims are finished within the first sort of one to two years, a five year benefit period does mean that you can be off work and on a claim for up to five years, and that's including a partial claim.","start":1198.245,"end":1209.55,"sentiment":"neutral","sentiment_score":0.08999090785668655},{"text":"So some people can, depending on the end injury or illness, go back to work, and be working one, two, or three days a week part time or casually and still receiving some money from the claim.","start":1209.6101,"end":1220.5851,"sentiment":"neutral","sentiment_score":0.11327336527205803},{"text":"So it does just sort of help to reduce the risk of that occurring and you're not being able to receive any additional funds there.","start":1220.5851,"end":1226.665,"sentiment":"neutral","sentiment_score":0.22041744142770767},{"text":"Okay.","start":1226.665,"end":1227.165,"sentiment":"neutral","sentiment_score":0.22998282313346863}],"sentiment":"neutral","sentiment_score":0.16186529858147397,"channel":0,"num_words":119,"start":1195.2051,"end":1227.165},{"sentences":[{"text":"Cool.","start":1227.48,"end":1227.64,"sentiment":"positive","sentiment_score":0.3706101179122925},{"text":"Sounds 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moment.","start":1251.95,"end":1252.99,"sentiment":"negative","sentiment_score":-0.41769570857286453},{"text":"No.","start":1252.99,"end":1253.49,"sentiment":"negative","sentiment_score":-0.3386201560497284}],"sentiment":"negative","sentiment_score":-0.4018805980682373,"channel":1,"num_words":5,"start":1251.95,"end":1253.49},{"sentences":[{"text":"No?","start":1253.515,"end":1253.995,"sentiment":"neutral","sentiment_score":-0.23095190525054932},{"text":"Beautiful.","start":1253.995,"end":1254.495,"sentiment":"neutral","sentiment_score":0.2973129153251648},{"text":"All good.","start":1254.635,"end":1255.295,"sentiment":"neutral","sentiment_score":0.16431041806936264},{"text":"Now I can also see here you are also currently salary sacrificing about a $120 and 26 per fortnight into super on top of your employer contributions, that is a great amount to be doing.","start":1255.755,"end":1267.37,"sentiment":"neutral","sentiment_score":0.27395000574844225},{"text":"It does start you well, and that compounding over the next twenty to thirty years is only gonna benefit you and your super.","start":1267.51,"end":1272.97,"sentiment":"positive","sentiment_score":0.48641004251397174}],"sentiment":"positive","sentiment_score":0.3414623068585511,"channel":0,"num_words":62,"start":1253.515,"end":1272.97},{"sentences":[{"text":"Are you fairly comfortable with that amount?","start":1273.51,"end":1275.27,"sentiment":"neutral","sentiment_score":0.08313585871032306},{"text":"Did you wanna review the salary sacrifice amount, or are you happy just to keep it as it is?","start":1275.27,"end":1279.875,"sentiment":"neutral","sentiment_score":0.0012717505818919132}],"sentiment":"neutral","sentiment_score":0.0233120873857003,"channel":0,"num_words":26,"start":1273.51,"end":1279.875},{"sentences":[{"text":"No.","start":1280.14,"end":1280.46,"sentiment":"neutral","sentiment_score":-0.28440868854522705},{"text":"I'm happy to keep it as 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all?","start":1291.695,"end":1294.01,"sentiment":"neutral","sentiment_score":0.035198139026761055}],"sentiment":"neutral","sentiment_score":0.1457786955870688,"channel":0,"num_words":32,"start":1282.335,"end":1294.01},{"sentences":[{"text":"No.","start":1294.515,"end":1294.755,"sentiment":"neutral","sentiment_score":-0.09047320485115053},{"text":"I don't think so.","start":1294.755,"end":1295.9751,"sentiment":"neutral","sentiment_score":-0.10474089346826077}],"sentiment":"neutral","sentiment_score":-0.10188735574483872,"channel":1,"num_words":5,"start":1294.515,"end":1295.9751},{"sentences":[{"text":"That sounds okay.","start":1296.2301,"end":1297.2101,"sentiment":"neutral","sentiment_score":0.12579227859775224},{"text":"Beautiful.","start":1297.27,"end":1297.77,"sentiment":"positive","sentiment_score":0.4301879107952118},{"text":"And I have found here that you were able to save about a $150 on a weekly basis.","start":1298.7101,"end":1303.1101,"sentiment":"neutral","sentiment_score":0.17512233182787895},{"text":"Are you putting away any sort of dedicated savings, or is money a bit tight with the mortgage and the increase in interest rate?","start":1303.1101,"end":1309.5149,"sentiment":"neutral","sentiment_score":0.0002948901771257321}],"sentiment":"neutral","sentiment_score":0.08623574095089799,"channel":0,"num_words":46,"start":1296.2301,"end":1309.5149},{"sentences":[{"text":"No.","start":1310.37,"end":1310.77,"sentiment":"neutral","sentiment_score":-0.07402587682008743},{"text":"I'm pretty good with that.","start":1310.77,"end":1312.6901,"sentiment":"neutral","sentiment_score":0.04559778869152069},{"text":"I've got a whole budget and everything, 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his first year of prep, and we'll see what next year","start":1529.64,"end":1533.64,"sentiment":"neutral","sentiment_score":0.29000879877379965}],"sentiment":"neutral","sentiment_score":0.29000879877379965,"channel":1,"num_words":14,"start":1529.64,"end":1533.64},{"sentences":[{"text":"We","start":1533.4401,"end":1533.68,"sentiment":"neutral","sentiment_score":0.09040398895740508}],"sentiment":"neutral","sentiment_score":0.09040398895740508,"channel":0,"num_words":1,"start":1533.4401,"end":1533.68},{"sentences":[{"text":"holds.","start":1533.64,"end":1534.14,"sentiment":"neutral","sentiment_score":0.05823642760515213}],"sentiment":"neutral","sentiment_score":0.05823642760515213,"channel":1,"num_words":1,"start":1533.64,"end":1534.14},{"sentences":[{"text":"have with 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super.","start":1571.135,"end":1580.4349,"sentiment":"neutral","sentiment_score":0.15697266966909976}],"sentiment":"neutral","sentiment_score":0.20131662183187224,"channel":0,"num_words":44,"start":1566.04,"end":1580.4349},{"sentences":[{"text":"Would like to have a new car by that time, and also just wanted to travel to destinations like Europe and New Zealand, whenever you wanted to.","start":1580.975,"end":1589.12,"sentiment":"neutral","sentiment_score":0.1562036841555878},{"text":"Is that still fairly accurate unchanged?","start":1589.12,"end":1591.14,"sentiment":"neutral","sentiment_score":0.061549242585897446}],"sentiment":"neutral","sentiment_score":0.13899378568837137,"channel":0,"num_words":33,"start":1580.975,"end":1591.14},{"sentences":[{"text":"Yeah.","start":1591.9199,"end":1592.4199,"sentiment":"neutral","sentiment_score":0.07615562528371811},{"text":"Pretty 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60?","start":1598.705,"end":1609.845,"sentiment":"neutral","sentiment_score":0.044010653854050535}],"sentiment":"neutral","sentiment_score":0.05926798295880121,"channel":0,"num_words":63,"start":1593.12,"end":1609.845},{"sentences":[{"text":"No.","start":1614.2,"end":1614.44,"sentiment":"neutral","sentiment_score":-0.1864030510187149},{"text":"Let's stick with 65.","start":1614.44,"end":1615.64,"sentiment":"neutral","sentiment_score":-0.21403132379055023},{"text":"I don't know what the what life's","start":1615.64,"end":1617.64,"sentiment":"neutral","sentiment_score":-0.1664705170052392}],"sentiment":"neutral","sentiment_score":-0.18398516376813254,"channel":1,"num_words":12,"start":1614.2,"end":1617.64},{"sentences":[{"text":"Yeah.","start":1617.6299,"end":1618.1299,"sentiment":"neutral","sentiment_score":-0.035521429032087326}],"sentiment":"neutral","sentiment_score":-0.035521429032087326,"channel":0,"num_words":1,"start":1617.6299,"end":1618.1299},{"sentences":[{"text":"gonna look like down the track.","start":1617.64,"end":1619.5,"sentiment":"neutral","sentiment_score":0.05806398888429006}],"sentiment":"neutral","sentiment_score":0.05806398888429006,"channel":1,"num_words":6,"start":1617.64,"end":1619.5},{"sentences":[{"text":"That's that's honestly okay.","start":1619.23,"end":1621.23,"sentiment":"positive","sentiment_score":0.40042904019355774},{"text":"Not a problem at all.","start":1621.23,"end":1622.61,"sentiment":"positive","sentiment_score":0.3503158211708069},{"text":"I've confirmed your goal with your insurances.","start":1622.895,"end":1624.8151,"sentiment":"positive","sentiment_score":0.37249226229531424},{"text":"We've looked at what that is, and they still remain appropriate at the moment.","start":1624.8151,"end":1627.775,"sentiment":"neutral","sentiment_score":0.22145345487764903},{"text":"But if anything changes there, do let me know.","start":1627.775,"end":1630.115,"sentiment":"neutral","sentiment_score":0.034820922960837684}],"sentiment":"neutral","sentiment_score":0.24037122506743822,"channel":0,"num_words":39,"start":1619.23,"end":1630.115},{"sentences":[{"text":"Just so you are aware, insurance wise as well, like, you've got life keeping the income protection, but there are other types of insurances.","start":1630.495,"end":1636.595,"sentiment":"neutral","sentiment_score":0.010771817915762464},{"text":"And, I mean, you can, essentially, with all the types of insurances out there, insure everything to the health, which costs us a a huge amount of money every year.","start":1636.735,"end":1645.23,"sentiment":"neutral","sentiment_score":-0.0035730525230367976},{"text":"But there are other types of insurance like trauma, which pays out a lump sum benefit in the event that you're diagnosed with a major traumatic condition, things like cancer, heart attack, strokes, neurological conditions like MS and Parkinson's are also considered in those.","start":1645.61,"end":1661.5349,"sentiment":"neutral","sentiment_score":0.0035833274014294147},{"text":"It is an out of pocket expense, and you can also get insurance like child trauma as well, which pay out lump sum tax free benefits in the event that your child is diagnosed with a major traumatic condition.","start":1661.9149,"end":1673.4299,"sentiment":"neutral","sentiment_score":0.08748664377400509},{"text":"So there are those other benefits, and other types of insurances that you can also obtain or apply for.","start":1673.49,"end":1680.39,"sentiment":"neutral","sentiment_score":0.06320645346453316}],"sentiment":"neutral","sentiment_score":0.03155064219847704,"channel":0,"num_words":156,"start":1630.495,"end":1680.39},{"sentences":[{"text":"Did you wanna look at maybe getting anything additional or you're happy just with what you've got there at the moment, not wanting","start":1680.5651,"end":1686.405,"sentiment":"neutral","sentiment_score":0.0045663063292918}],"sentiment":"neutral","sentiment_score":0.0045663063292918,"channel":0,"num_words":23,"start":1680.5651,"end":1686.405},{"sentences":[{"text":"I'm happy","start":1686.135,"end":1686.5349,"sentiment":"neutral","sentiment_score":-0.24613529443740845}],"sentiment":"neutral","sentiment_score":-0.24613529443740845,"channel":1,"num_words":2,"start":1686.135,"end":1686.5349},{"sentences":[{"text":"to","start":1686.405,"end":1686.5651,"sentiment":"neutral","sentiment_score":-0.21301934123039248}],"sentiment":"neutral","sentiment_score":-0.21301934123039248,"channel":0,"num_words":1,"start":1686.405,"end":1686.5651},{"sentences":[{"text":"with what I've got at the minute.","start":1686.5349,"end":1687.995,"sentiment":"neutral","sentiment_score":-0.1211218743452004}],"sentiment":"neutral","sentiment_score":-0.1211218743452004,"channel":1,"num_words":7,"start":1686.5349,"end":1687.995},{"sentences":[{"text":"yeah.","start":1688.245,"end":1688.645,"sentiment":"neutral","sentiment_score":0.2925651967525482},{"text":"Beautiful.","start":1688.645,"end":1689.145,"sentiment":"positive","sentiment_score":0.678249716758728},{"text":"Fantastic.","start":1689.285,"end":1689.785,"sentiment":"positive","sentiment_score":0.6694486141204834},{"text":"And down the track, if you decide you wanted to sort of put a put money away and start to invest for your son for his future as well.","start":1690.245,"end":1697.4299,"sentiment":"neutral","sentiment_score":0.25315817265674984},{"text":"We do have access to other investments.","start":1697.57,"end":1699.51,"sentiment":"neutral","sentiment_score":0.12212474111999784}],"sentiment":"neutral","sentiment_score":0.2522236851927562,"channel":0,"num_words":39,"start":1688.245,"end":1699.51},{"sentences":[{"text":"So as licensed advisers, we look at your super insurance, it says, but we can provide advice in other areas.","start":1699.65,"end":1705.51,"sentiment":"neutral","sentiment_score":0.14858823046088218},{"text":"We have access to, like, child bonds and things, which is putting money into investment products for, you know, the next ten to twenty odd years to benefit your child down the track.","start":1705.8099,"end":1715.635,"sentiment":"neutral","sentiment_score":0.20856255970217966},{"text":"So we can also help you in those areas, look at investing outside of Super if you're wanting to do that as well so that we can help to hopefully get you access to funds before 60 if you decide you wanna look at retiring earlier or just building your space in there elsewhere.","start":1715.635,"end":1729.68,"sentiment":"neutral","sentiment_score":0.25711888957906653},{"text":"So feel free to come back and let us know if there's other sort of goals or other, you know, investment opportunities that you do wanna look at as well.","start":1730.22,"end":1736.995,"sentiment":"neutral","sentiment_score":0.23355924139420192},{"text":"Okay?","start":1737.0549,"end":1737.5549,"sentiment":"neutral","sentiment_score":0.15971985459327698}],"sentiment":"neutral","sentiment_score":0.22395105951506158,"channel":0,"num_words":138,"start":1699.65,"end":1737.5549},{"sentences":[{"text":"Okay.","start":1737.48,"end":1737.975,"sentiment":"neutral","sentiment_score":0.2643672227859497}],"sentiment":"neutral","sentiment_score":0.2643672227859497,"channel":1,"num_words":1,"start":1737.48,"end":1737.975},{"sentences":[{"text":"Excellent.","start":1738.575,"end":1739.075,"sentiment":"positive","sentiment_score":0.6717023849487305},{"text":"The only other thing just to double check here is, the estate planning side of things.","start":1739.855,"end":1743.855,"sentiment":"neutral","sentiment_score":0.2227196739986539},{"text":"Now I can see you did have a will and power of attorney all set up.","start":1743.855,"end":1747.39,"sentiment":"neutral","sentiment_score":0.23205736838281155},{"text":"You are still comfortable.","start":1747.39,"end":1748.51,"sentiment":"positive","sentiment_score":0.3383757770061493},{"text":"That still reflects your wishes.","start":1748.51,"end":1750.13,"sentiment":"neutral","sentiment_score":0.2928366601467133}],"sentiment":"neutral","sentiment_score":0.256329082662151,"channel":0,"num_words":42,"start":1738.575,"end":1750.13},{"sentences":[{"text":"Yes.","start":1750.775,"end":1751.16,"sentiment":"neutral","sentiment_score":0.18837393820285797}],"sentiment":"neutral","sentiment_score":0.18837393820285797,"channel":1,"num_words":1,"start":1750.775,"end":1751.16},{"sentences":[{"text":"Yep.","start":1751.71,"end":1752.19,"sentiment":"neutral","sentiment_score":0.22537975013256073},{"text":"Beautiful.","start":1752.19,"end":1752.69,"sentiment":"positive","sentiment_score":0.4409000873565674},{"text":"And just double checking with your beneficiaries here as well.","start":1752.75,"end":1755.71,"sentiment":"neutral","sentiment_score":0.19405704736709595},{"text":"So I have it down that you wanted a 100% of the beneficiary to be paid to Hayden, and you want that for your super and your life 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together.","start":1968.09,"end":1973.39,"sentiment":"neutral","sentiment_score":0.31658345341682437},{"text":"Okay?","start":1973.61,"end":1974.11,"sentiment":"neutral","sentiment_score":0.26611360907554626}],"sentiment":"neutral","sentiment_score":0.3017683992670341,"channel":0,"num_words":66,"start":1958.565,"end":1974.11},{"sentences":[{"text":"Awesome.","start":1973.885,"end":1974.385,"sentiment":"positive","sentiment_score":0.8049078583717346},{"text":"Sounds great.","start":1974.6051,"end":1975.505,"sentiment":"positive","sentiment_score":0.8559521436691284}],"sentiment":"positive","sentiment_score":0.8389373819033304,"channel":1,"num_words":3,"start":1973.885,"end":1975.505},{"sentences":[{"text":"Thank you so much for your time, Caitlin.","start":1975.7789,"end":1977.539,"sentiment":"positive","sentiment_score":0.8451972976326942},{"text":"Enjoy your day.","start":1977.539,"end":1978.439,"sentiment":"positive","sentiment_score":0.7931133111317953}],"sentiment":"positive","sentiment_score":0.8309925740415399,"channel":0,"num_words":11,"start":1975.7789,"end":1978.439},{"sentences":[{"text":"Thank you.","start":1978.8989,"end":1979.3789,"sentiment":"positive","sentiment_score":0.7151520848274231},{"text":"You too.","start":1979.3789,"end":1980.1189,"sentiment":"positive","sentiment_score":0.4832911789417267}],"sentiment":"positive","sentiment_score":0.5992216318845749,"channel":1,"num_words":4,"start":1978.8989,"end":1980.1189},{"sentences":[{"text":"Thank you.","start":1980.499,"end":1980.979,"sentiment":"positive","sentiment_score":0.6032889783382416},{"text":"Talk to you soon.","start":1980.979,"end":1981.7789,"sentiment":"positive","sentiment_score":0.448687307536602},{"text":"See you later.","start":1981.7789,"end":1982.599,"sentiment":"positive","sentiment_score":0.3377813895543416}],"sentiment":"positive","sentiment_score":0.44607459505399066,"channel":0,"num_words":9,"start":1980.499,"end":1982.599},{"sentences":[{"text":"Bye.","start":1982.3389,"end":1982.8389,"sentiment":"neutral","sentiment_score":0.17526936531066897}],"sentiment":"neutral","sentiment_score":0.17526936531066897,"channel":1,"num_words":1,"start":1982.3389,"end":1982.8389},{"sentences":[{"text":"Bye.","start":1983.299,"end":1983.799,"sentiment":"neutral","sentiment_score":-0.10534893721342088}],"sentiment":"neutral","sentiment_score":-0.10534893721342088,"channel":0,"num_words":1,"start":1983.299,"end":1983.799}]},"summary":{"result":"success","short":"During a call with OQ Financial, the speaker discusses their investment portfolio and highlights the success of their investment portfolio. They suggest taking out underperforming investments and updating their projection outcome. The speaker emphasizes the importance of keeping the mortgage stays at a level of coverage and provides advice on accessing super benefits. The agent emphasizes the benefits of accessing a super and offers advice on other investments and insurance options. The customer is advised to keep their coverage for up to 70% of their pretax income and to let the insurer know if they need to make a claim. The agent also discusses the benefits of life insurance and the possibility of investing in other investments and insurance options."},"intents":{"segments":[{"text":"We had you booked in this morning to go through your annual review. Is now still a good time there for you? Yeah. Sure.","start_word":24,"end_word":47,"intents":[{"intent":"Confirm time and address","confidence_score":0.000089888905}]},{"text":"And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Caitlin Edwards.","start_word":125,"end_word":155,"intents":[{"intent":"Send security check","confidence_score":0.16273288}]},{"text":"Thank you so much for that. So, Caitlin, I do normally send through a a copy of the annual review documents to your email. Are you able to access them at the moment?","start_word":167,"end_word":199,"intents":[{"intent":"Update documents","confidence_score":0.17868628}]},{"text":"But is there anything specific aside from, you know, how everything's been tracking that you wanted me to touch on or any specific questions you wanted me to answer as part of your review? Not at the moment.","start_word":310,"end_word":347,"intents":[{"intent":"Tracking","confidence_score":0.025542831},{"intent":"Resolving billing issue","confidence_score":0.0020628416}]},{"text":"As a whole, when we look at your total portfolio after the past twelve months, you have returned a return of about 5.37% net of fees. So it's earnings and income of over $10,000 in the last twelve months, realistically.","start_word":702,"end_word":741,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.27864832}]},{"text":"But I have seen one or two of your investments that are slightly underperforming a little bit, and I think it is time to make sure things are updated on a regular basis there for you. And we just maybe switch out some of those investments. Are you comfortable with me going back, reviewing those, and maybe making an updated recommendation to switch them out, maybe look at a portfolio that's performing better for you? Yeah.","start_word":1047,"end_word":1122,"intents":[{"intent":"Update investments","confidence_score":0.14326501}]},{"text":"Are you comfortable with me going back, reviewing those, and maybe making an updated recommendation to switch them out, maybe look at a portfolio that's performing better for you? Yeah.","start_word":1093,"end_word":1122,"intents":[{"intent":"Review and recommend investments","confidence_score":0.0011587535}]},{"text":"So it's about understanding the volatility and the expected highs and lows that you could see within this sort of a portfolio and just making sure you're comfortable with it.","start_word":1228,"end_word":1257,"intents":[{"intent":"Understand volatility and expectations","confidence_score":0.36292514}]},{"text":"I do wanna have a look and maybe remove some underperforming investments there for you and just maybe update the the projection outcome for you so you can sort of see based on our recommendations, your current, and what I'm gonna recommend for you, where that's projected to look like over the next five to ten years for you. Does that sound okay?","start_word":1333,"end_word":1395,"intents":[{"intent":"Update projection outcome","confidence_score":0.16594025}]},{"text":"And do you have any questions? No. Not really.","start_word":1396,"end_word":1404,"intents":[{"intent":"Ask questions","confidence_score":0.51366675}]},{"text":"I've got a couple of options for investments to swap out, so I'll look at doing that. It'll take just a couple of weeks to put that advice together, but then we'll come back and I'll go through it with you. Okay?","start_word":1722,"end_word":1763,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.1440637}]},{"text":"Did you wanna sort of look at increasing that? Keeping in mind that the mortgage is gone, realistically, that income, whilst it covers five and a half years of current income replacement, could obviously expect be extended out. So sorry.","start_word":2151,"end_word":2190,"intents":[{"intent":"Add to income","confidence_score":0.00037029263}]},{"text":"I did hear that I had somebody I work with say to access their super to do some sort of surgery, and they didn't realize that, like, It's it was taxed. taxed.","start_word":2467,"end_word":2498,"intents":[{"intent":"Access super","confidence_score":0.78858376}]},{"text":"If anything ever comes up and you feel like you might need to access it, come and have that chat with us first because, Yep. yeah, it is unfortunately, a lot of people aren't aware. And it's not sort of known when you kinda fill out the forms to do to access your super and things like that.","start_word":2529,"end_word":2586,"intents":[{"intent":"Obtain forms","confidence_score":0.046004966}]},{"text":"But given your current level of cover, the tax is up to 22%. It can be lesser, and there are things that we can do.","start_word":2683,"end_word":2707,"intents":[{"intent":"Limit tax","confidence_score":0.9413676}]},{"text":"it is really important to kinda keep that money lasting as long as possible.","start_word":2773,"end_word":2786,"intents":[{"intent":"Keep money lasting","confidence_score":0.33725056}]},{"text":"It does lessen the benefit amount. That, again, if you were TPD'd, could pay off the mortgage you have Shit. there.","start_word":2833,"end_word":2853,"intents":[{"intent":"Discuss inflation and benefits","confidence_score":7.289867e-7}]},{"text":"Did you want me to kind of reassess the TPD, or do you feel like that's comfortable at the moment for you?","start_word":2904,"end_word":2925,"intents":[{"intent":"Assess tpd's comfort and comfort","confidence_score":0.019134024}]},{"text":"I know Centrelink's 26. Yeah.","start_word":3256,"end_word":3260,"intents":[{"intent":"Evaluate centrelink's coverage","confidence_score":0.001148991}]},{"text":"So it is due to be reassessed and indexed again in September this year, so you your payments could continuously go up there as well. Okay? Cool.","start_word":3520,"end_word":3546,"intents":[{"intent":"Reassessing plan","confidence_score":0.0000046846994}]},{"text":"I always let everyone know that if you are going to make a claim or you're off work, let us know at the first instance. That way, we can let the insurer know, and that starts the waiting period so we can get the claim forms ready to go. And then at that ninety days, they can all be filled out and submitted to the insurer. It makes the claims process much smoother for you. Okay? Excellent.","start_word":3581,"end_word":3657,"intents":[{"intent":"Making claims","confidence_score":0.005565567}]},{"text":"With the policy out of super this year, you paid $554.44. The policy is nice and cheap at the moment, but it will get more expensive over time. So we'll just keep reviewing it with you, and keep making alterations as we need to, as your life changes, as the it's appropriate to do so. Does do you have any questions?","start_word":3780,"end_word":3840,"intents":[{"intent":"Reviewing policy","confidence_score":0.33286113},{"intent":"Re-examining policy","confidence_score":0.000016309676}]},{"text":"Does do you have any questions? I'm sorry. I do go through a lot of information with that, but is there anything that's come up question wise? Not at the moment.","start_word":3835,"end_word":3865,"intents":[{"intent":"Providing information","confidence_score":0.036568828}]},{"text":"Now I can also see here you are also currently salary sacrificing about a $120 and 26 per fortnight into super on top of your employer contributions, that is a great amount to be doing. It does start you well, and that compounding over the next twenty to thirty years is only gonna benefit you and your super. Are you fairly comfortable with that amount?","start_word":3872,"end_word":3936,"intents":[{"intent":"Review salary amount","confidence_score":0.008666939}]},{"text":"And I have found here that you were able to save about a $150 on a weekly basis. Are you putting away any sort of dedicated savings, or is money a bit tight with the mortgage and the increase in interest rate? No.","start_word":4004,"end_word":4046,"intents":[{"intent":"Confirm savings","confidence_score":0.015827404}]},{"text":"I had done here that he was four in May last year, so he'd be five now? Yeah.","start_word":4084,"end_word":4101,"intents":[{"intent":"Provide child's birthday","confidence_score":0.00023935258}]},{"text":"My son just turned 10, and it was a little bit hard knowing it's the last time I'll ever have a 10 year old. I know.","start_word":4118,"end_word":4143,"intents":[{"intent":"Specify child's age","confidence_score":0.0063931704}]},{"text":"We've double updated the mortgage there for you.","start_word":4212,"end_word":4219,"intents":[{"intent":"Update mortgage","confidence_score":0.36700633}]},{"text":"With the main primary residence, would you change the valuation?","start_word":4232,"end_word":4241,"intents":[{"intent":"Change valuation","confidence_score":0.36208194}]},{"text":"It's a Kia Rio. It's probably gone down in value. That's okay. I had it at 6,000 last year. Would you drop it to maybe $5.5.5, or a little bit less? Maybe $4.","start_word":4296,"end_word":4328,"intents":[{"intent":"Lower car value","confidence_score":0.06258697}]},{"text":"And savings wise, we had you had about 10,000. And if you're still managing to put dedicated savings away, has that gone up a little bit? Or I'm gonna leave it at 10,000. yeah.","start_word":4357,"end_word":4390,"intents":[{"intent":"Determine savings","confidence_score":0.013574678}]},{"text":"I had done here goals as well that over the next sort of five years, you were looking to proceed with IVF and have another child. Is that still a goal that you're looking to do down the track, or have you started that?","start_word":4422,"end_word":4465,"intents":[{"intent":"Discuss ivfa goals","confidence_score":0.00483666}]},{"text":"It's a lot of money, and whatever I decide to do impacts Yeah.","start_word":4601,"end_word":4613,"intents":[{"intent":"Analyze financial options","confidence_score":0.00002515917}]},{"text":"I've confirmed your goal with your insurances.","start_word":4922,"end_word":4928,"intents":[{"intent":"Confirm goal","confidence_score":0.4315169}]},{"text":"Did you wanna look at maybe getting anything additional or you're happy just with what you've got there at the moment, not wanting I'm happy to with what I've got at the minute.","start_word":5108,"end_word":5140,"intents":[{"intent":"Explore options","confidence_score":0.04240075}]},{"text":"Did you wanna look at maybe getting anything additional or you're happy just with what you've got there at the moment, not wanting I'm happy to with what I've got at the minute. yeah.","start_word":5108,"end_word":5141,"intents":[{"intent":"Consider alternatives","confidence_score":0.003932829},{"intent":"Find alternatives","confidence_score":0.0010175218}]},{"text":"And down the track, if you decide you wanted to sort of put a put money away and start to invest for your son for his future as well.","start_word":5144,"end_word":5172,"intents":[{"intent":"Invest","confidence_score":0.026535874}]},{"text":"So we can also help you in those areas, look at investing outside of Super if you're wanting to do that as well so that we can help to hopefully get you access to funds before 60 if you decide you wanna look at retiring earlier or just building your space in there elsewhere.","start_word":5233,"end_word":5286,"intents":[{"intent":"Access funds","confidence_score":0.11268745}]},{"text":"In that DocuSign, you will see a copy of all the documents that I have gone through. So you've got your MetLife policy, the summary of Superann Insurance as your hub twenty four investment information as well. It's also got the ongoing service agreement there. So you do pay us an ongoing service fee of 1.65% per annum, and that is deducted in small sorry, monthly increments and deducted out of your super.","start_word":5479,"end_word":5551,"intents":[{"intent":"Ensure proper documentation and transfer","confidence_score":1.3543074e-9}]},{"text":"The only sort of question I wanted to double check is with if you saw the market fall in the next sort of, say, six to twelve months and it fell by, say, 20%, do you think you'd be feeling kinda concerned about that nervous, or would you sort of not be worried about the market falling knowing you're not accessing SuperNow? How do you think you might react?","start_word":5751,"end_word":5819,"intents":[{"intent":"Discuss market impact","confidence_score":0.0021876518}]}]},"sentiments":{"segments":[{"text":"Caitlin speaking. Hi, Caitlin. This is Dana from OQ Financial. How are you this morning?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1534007489681244},{"text":"Well, thanks.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.41740942001342773},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.2833315134048462},{"text":"Very well. Thank you. We had you booked in this morning to go through your annual review. Is now still a good time there for you?","start_word":20,"end_word":45,"sentiment":"positive","sentiment_score":0.42338746786117554},{"text":"Yeah. Sure.","start_word":46,"end_word":47,"sentiment":"neutral","sentiment_score":0.2566668391227722},{"text":"Fantastic. How's your morning been so far?","start_word":48,"end_word":54,"sentiment":"positive","sentiment_score":0.38661861419677734},{"text":"Not too bad. Just a school drop off. Oh, no. Wow. How did that go? Back to school.","start_word":55,"end_word":72,"sentiment":"neutral","sentiment_score":0.08362513035535812},{"text":"Very glad. Very glad back to school.","start_word":73,"end_word":79,"sentiment":"positive","sentiment_score":0.6290095448493958},{"text":"Yeah. I bet.","start_word":80,"end_word":82,"sentiment":"neutral","sentiment_score":0.3051080107688904},{"text":"All good, Caitlin.","start_word":83,"end_word":85,"sentiment":"positive","sentiment_score":0.5385092496871948},{"text":"Before we jump into the call, I do need to let you know moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Go for it.","start_word":86,"end_word":123,"sentiment":"neutral","sentiment_score":0.14658606052398682},{"text":"Fantastic.","start_word":124,"end_word":124,"sentiment":"positive","sentiment_score":0.5719558596611023},{"text":"And just do a quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Caitlin Edwards. Agents of fifth nineteen ninety in 12 O'Keefe Street, Leichhardt.","start_word":125,"end_word":165,"sentiment":"neutral","sentiment_score":0.15725241601467133},{"text":"Beautiful. Thank you so much for that.","start_word":166,"end_word":172,"sentiment":"positive","sentiment_score":0.6208930015563965},{"text":"So, Caitlin, I do normally send through a a copy of the annual review documents to your email. Are you able to access them at the moment? If you can't, that's honestly okay. Not at the moment. No. No. That's okay. That's alright. And you've finished school drop off. Everyone's at school and ready for the day? Yes. Yeah. All good. If anything pops up and you need me to stop, just let me know, but I'll try not to take up too much of your time there. Okay? No. That's okay. All good. So firstly, I'll go through your sleep. I have a bit of look at how that's been performing. I have sort of looked at some advice that we can provide to maybe update some things for you as well, which is great. But is there anything specific aside from, you know, how everything's been tracking that you wanted me to touch on or any specific questions you wanted me to answer as part of your review? Not at the moment. No. No. That's okay.","start_word":173,"end_word":350,"sentiment":"neutral","sentiment_score":0.067968014099248},{"text":"Beautiful. Well, having Thank a you.","start_word":351,"end_word":356,"sentiment":"positive","sentiment_score":0.4830111563205719},{"text":"bit of a look back at your review last year, your balance within your hub 24 super then was a 117,991 and 97<unk> there. So looking forward to this year's review, your current balance is a $148,037.86 there. So you have had a lovely increase Oh, When wow. we look at Because yeah. I just did You're my right? went into the the ATO thing for my tax, and it was bidding at a 125. No. But it That's hasn't fantastic. come It over hasn't then. been happening. No. So when the reporting to the ACO happens, it doesn't happen on a very regular basis. Sure. They only realistically report once every quarter or once every six months depending on what the requirement is for that specific fund. So the reporting should be happening around about the end of June each year. Sometimes, hub twenty four don't report the end of financial year until sort of mid July. So there Mhmm. is always a bit of a delay in the reporting side of things. So if you ever are unsure of how things are going, you're welcome to give us a call. Let us know. Do you have access to your hub twenty four? Do you log in there very often at all? Not really. No. I figure it's just doing its thing. Yeah. Absolutely. And you've got a lot of time. You're still so young. You can't access super at this point to the age of 60. So just letting it go Yeah. for the next year, thirty odd years is important. Easy. Yeah. So I don't like to faff around with it. no. And that's I figure absolutely if something's okay. going I figure if Yeah. something's going wrong, you guys will let me know. Absolutely.","start_word":357,"end_word":655,"sentiment":"neutral","sentiment_score":-0.0269935205578804},{"text":"Absolutely. And, look, I have had a really good look at things. Obviously, having a look at your super, I've gone through all the individual investments there. You have sort of had these investments for a couple of years now, so they have been working really well. As a whole, when we look at your total portfolio after the past twelve months, you have returned a return of about 5.37% net of fees.","start_word":655,"end_word":727,"sentiment":"positive","sentiment_score":0.4737321734428406},{"text":"So it's earnings and income of over $10,000 in the last twelve months, realistically. And I'm just double checking the portfolio you're in. It looks like you're in more of that gross kind of space there, but I'm just double checking. Sorry. It's still early morning. Computer's a little bit slow. There we go. So, realistically, having a look at all the individual investments there, they are and have tracked a little bit lower than where I would sort of like for the year, But with what has been sort of reported between The US and Iran war, it hasn't there has been a lot more volatility this year out of the markets as well. So Yeah. a lower return is expected, and I'm still happy that you got a positive return after the last 12 there, but still would like to see more of a return on your side of things. I will go through and just double check your risk profile with you shortly just to make sure that it is all comfortable for you. But I'm just logging into your fund to have a look at the portfolio that you're in with regard to which one it is. And my computer's a little bit slow. Sorry about that. That's alright. Zero two four. There we go.","start_word":728,"end_word":946,"sentiment":"neutral","sentiment_score":0.04232988879084587},{"text":"Perfect.","start_word":947,"end_word":947,"sentiment":"positive","sentiment_score":0.3352844715118408},{"text":"So having a look at where things are, yeah, you are in that growth sort of area. So that sort of portfolio generally sees about 80% of your super invested in growth assets. So looking at things like Australian shares, international shares, listed property is also generally in there, and then also commodities like gold and silver.","start_word":948,"end_word":1004,"sentiment":"neutral","sentiment_score":0.13538287580013275},{"text":"And you've definitely got some physical gold in there, which looking at your portfolio has returned over a 10 a 10% return for the year. So it is really good. It has been working nicely, and you've come up with a positive.","start_word":1005,"end_word":1046,"sentiment":"positive","sentiment_score":0.474210343900181},{"text":"But I have seen one or two of your investments that are slightly underperforming a little bit, and I think it is time to make sure things are updated on a regular basis there for you. And we just maybe switch out some of those investments. Are you comfortable with me going back, reviewing those, and maybe making an updated recommendation to switch them out, maybe look at a portfolio that's performing better for you? Yeah. Sure. Yep.","start_word":1047,"end_word":1124,"sentiment":"neutral","sentiment_score":-0.12945735454559326},{"text":"Fantastic.","start_word":1125,"end_word":1125,"sentiment":"positive","sentiment_score":0.4090106189250946},{"text":"With that growth kind of environment, we are sort of tracking to try and obtain a return of around about seven to 9% on an annual basis, but with the expected volatility, you can see in the market. So when we see really good returns out of this sort of a portfolio, you can be expecting an extra 14 sorry, an extra 11% on top of the expected seven to 9% return. However, in downtime, because you are kind of taking a little bit more risk in the market, you can also see a negative 11% under that 7% return as well. So it's about understanding the volatility and the expected highs and lows that you could see within this sort of a portfolio and just making sure you're comfortable with it. Realistically, for your age and stage, because you can't access super, you know, until the age of 60 at this point, that sort of environment suits your time horizon. For your age group, we'd normally like to see you with that growth or high growth environment because you can take on more risk now, go through the downtimes, and you're not accessing the super. So it is a good place for you to definitely be. I do wanna have a look and maybe remove some underperforming investments there for you and just maybe update the the projection outcome for you so you can sort of see based on our recommendations, your current, and what I'm gonna recommend for you, where that's projected to look like over the next five to ten years for you. Does that sound okay? And do you have any questions? No. Not really. I don't have any questions. Yeah. Beautiful.","start_word":1126,"end_word":1411,"sentiment":"neutral","sentiment_score":0.03401697054505348},{"text":"Excellent.","start_word":1412,"end_word":1412,"sentiment":"positive","sentiment_score":0.6611793637275696},{"text":"Well, I'll go back and do some research around those investments, maybe swap them out. One of the things that I did sort of wanna check-in with you is that within your portfolio, one of the underlying investments that is underperforming is called the Benelon Australian Equities. Now that was originally put into your portfolio because they're more of an actively managed fund. It's an active manager. The manager of that fund is trying to outperform against the market, so they should be buying and selling and picking and trying to time the market. Active managers, when you have those in your investments, they can cost a little bit more in management fees and things like that. Did you want me to look at keeping a bit of active management in your portfolio, or did you wanna just look at a more of a low cost portfolio, try to save on investment fees and things like that? What would you prefer? Look. I'm happy either way. I don't really have a That's preference it. at the minute. Yep. No. That's okay. I can look at both for you, look at the the fees, the outcome, the overall, what that looks like for you. I also take into account CGT consequences. So because like just like you and I, your super fund does a tax return every year. So when we do switch investments and buy and sell, your super fund does have to account for income tax and CGT tax and things like that. So Mhmm. I can look at ways to minimize the tax side of it for your fund, but also look at what's been performing better, the fees, and what's gonna put you in a greater position long term and maybe make that recommendation for you. Does that sound okay? Yeah.","start_word":1413,"end_word":1716,"sentiment":"neutral","sentiment_score":0.05233512446284294},{"text":"Sounds great.","start_word":1717,"end_word":1718,"sentiment":"positive","sentiment_score":0.3907440602779389},{"text":"Yep.","start_word":1719,"end_word":1719,"sentiment":"neutral","sentiment_score":0.257397323846817},{"text":"Beautiful. Fantastic.","start_word":1720,"end_word":1721,"sentiment":"positive","sentiment_score":0.58223557472229},{"text":"I've got a couple of options for investments to swap out, so I'll look at doing that. It'll take just a couple of weeks to put that advice together, but then we'll come back and I'll go through it with you. Okay?","start_word":1722,"end_word":1763,"sentiment":"neutral","sentiment_score":0.2523110806941986},{"text":"Awesome. Sounds great. Fantastic.","start_word":1764,"end_word":1767,"sentiment":"positive","sentiment_score":0.5845234990119934},{"text":"Now the other thing I do have here is your insurances. So at the moment, you've got your MetLife policy there, and it shows the current sum insured of your insurances. Your life and TBD is showing about 525,000 there. If in the event of you passing away currently, you've got the 525,000 of life cover plus your super balance is paid out to your beneficiaries as well. So it sorta gives you a total of about 673,000 at the moment total between your super and your life cover. Mhmm. Just looking at your debt, so even the event that that was to occur, you know, that would obviously pay off your debt. Your mortgage, I had noted at about 235,000. Have you been able to reduce that since last year at all? It's probably only reduced a little bit, maybe about 10,000. Okay. So about $2.25 roughly. It's not If the most we looked amazing at interest rate, but yeah. they I love know. me. And they keep going up, right, they I answer. know. I'm even paying over the If if you were to look at your sleep and your life insurance is that if you were to pass away, the amount that is $6.73 would pay off the mortgage for you, leaving your family completely debt free, and then leave roughly about 447,000 available after that. Does that feel like a comfortable amount for you? Did you wanna look at altering or reviewing that? No. I think that would be fine for the minute. I think Yep. yeah. As long as it paid off the house Yep. and set up little little man for Yeah. his education, that kind of thing. Absolutely. What's your income at the moment? I had you earning about 57,000 last year. Has that changed? Or Well, that's not including my single parenting payment for Centrelink, so it's probably closer to the yep. 80,000. Yep. So if we look at what have we had left over, say, that 447,000 and divide that by about 80,000 on a yearly basis, it essentially then the amount leaves about five years five and a half years worth of current income replacement for your for your young son there as well. So does Yes. that sound sufficient for the moment? Did you wanna sort of look at increasing that? Keeping in mind that the mortgage is gone, realistically, that income, whilst it covers five and a half years of current income replacement, could obviously expect be extended out. So sorry. Be extended out because, realistically, you know, family members could live on a little bit less to look after your child. So that could last about ten odd years of income replacement for your family. Does that sound sound appropriate? Or if Yeah. it's not, you're Yeah. welcome I think to let me so. know. No. I think that would be fine at the minute. Yep. That's absolutely fine. If you discover that you do kind of wanna have that altered or changed, please let me know.","start_word":1768,"end_word":2277,"sentiment":"neutral","sentiment_score":-0.01174524025991559},{"text":"I'm more than happy to, you know, have that conversation.","start_word":2278,"end_word":2287,"sentiment":"positive","sentiment_score":0.4789525866508484},{"text":"You're not limited to one per year if you, at some point, decide that that's not quite appropriate. You don't want that amount. You wanna look at altering it, just let me know. We can always come back and have that conversation. Okay.","start_word":2288,"end_word":2330,"sentiment":"neutral","sentiment_score":-0.05135609582066536},{"text":"Cool. Beautiful.","start_word":2331,"end_word":2332,"sentiment":"positive","sentiment_score":0.5614408850669861},{"text":"Now you do have with total permanent disability the same level of cover. So it's a 575 sorry. $525,000. But then, obviously, with your PPD, a lot of people aren't sort of aware, but we also do access or can access your super under permanent incapacity as well. So you can receive your super benefit paid out. Again, that does give you about $6,673,000 there. One of the things I do kind of like to make sure you're aware of is that TBD, if in the event that you claim on total permanent incapacity, and you're under the age of 60, if you take the amount out of super, it's actually taxed up to twenty two percent.","start_word":2333,"end_word":2449,"sentiment":"neutral","sentiment_score":-0.0004423710342962295},{"text":"It's horrible, and Yes. I don't like I did it in any way, shape, or form.","start_word":2450,"end_word":2465,"sentiment":"negative","sentiment_score":-0.7452455163002014},{"text":"I did hear that I had somebody I work with say to access their super to do some sort of surgery, and they didn't realize that, like, It's it was taxed. taxed. And Yes. and they had this, like, massive debt to Centrelink and all kinds of things. And I was like, I'm Yeah.","start_word":2466,"end_word":2519,"sentiment":"neutral","sentiment_score":-0.18770042061805725},{"text":"never touching mine ever. It is really horrible.","start_word":2520,"end_word":2527,"sentiment":"negative","sentiment_score":-0.5284423232078552},{"text":"Absolutely. If anything ever comes up and you feel like you might need to access it, come and have that chat with us first because, Yep. yeah, it is unfortunately, a lot of people aren't aware. And it's not sort of known when you kinda fill out the forms to do to access your super and things like that. A lot of people aren't told, and then all of a sudden, they've drawn money out.","start_word":2528,"end_word":2602,"sentiment":"neutral","sentiment_score":-0.21394671499729156},{"text":"There's, you know, a big debt coming or there's extra money that's missing, and there's a tax bill or something like that.","start_word":2603,"end_word":2624,"sentiment":"negative","sentiment_score":-0.3370923101902008},{"text":"So Yes.","start_word":2625,"end_word":2626,"sentiment":"neutral","sentiment_score":-0.19141557812690735},{"text":"it is something that's not well known, but the same thing happens under total incapacity, and I dislike that in any way, shape, or form. I think if you are unable to ever go back to work again due to disability, the last thing the government should be doing is taxing the payment for you.","start_word":2627,"end_word":2681,"sentiment":"negative","sentiment_score":-0.5179221034049988},{"text":"Yeah. But given your current level of cover, the tax is up to 22%. It can be lesser, and there are things that we can do. If you were to claim on TBD, I would look at providing financial advice on how to limit the tax for you, but also make sure you get the benefit to last as long as possible as well because a lot of people in that instance take out a lump sum, the whole amount, and then the money's gone within about twelve months. So Yeah.","start_word":2682,"end_word":2772,"sentiment":"neutral","sentiment_score":-0.04526782035827637},{"text":"it is really important to kinda keep that money lasting as long as possible.","start_word":2773,"end_word":2786,"sentiment":"positive","sentiment_score":0.3717705011367798},{"text":"Based on the 22% tax, it does mean out of the total benefit, if you were TPD today, and you took the full lump sum, the tax is roughly 148,000, which means that at the end of it, you could be left with about $524,009.69.","start_word":2787,"end_word":2831,"sentiment":"neutral","sentiment_score":0.11170333623886108},{"text":"It does lessen the benefit amount.","start_word":2832,"end_word":2837,"sentiment":"negative","sentiment_score":-0.3967593312263489},{"text":"That, again, if you were TPD'd, could pay off the mortgage you have Shit. there. So if we subtract the $2.25, that then leaves you about 299,000, which if you were, say, live on 50 or $60,000 a year, because you could still obviously get your fortnightly Centrelink payments and things like that, would last you with about four to five years worth of income replacement. Did you want me to kind of reassess the TPD, or do you feel like that's comfortable at the moment for you? I think it's comfortable at that moment. Mhmm. Absolutely. Not a problem. And the other thing with these policies, they are staffed. So they do increase in cost every year, but it also goes through a renewal period, and the amount you're insured for increases in time along with CPI.","start_word":2838,"end_word":2975,"sentiment":"neutral","sentiment_score":0.029489174485206604},{"text":"So the good thing is you do get little increases on the amount you're insured for each year, so it does continue to grow.","start_word":2976,"end_word":2999,"sentiment":"positive","sentiment_score":0.4640224277973175},{"text":"The downside of that is that the cost of the insurances will continue to increase as well.","start_word":3000,"end_word":3016,"sentiment":"negative","sentiment_score":-0.5306618213653564},{"text":"Okay. Yep.","start_word":3017,"end_word":3018,"sentiment":"neutral","sentiment_score":0.11252937465906145},{"text":"Beautiful.","start_word":3019,"end_word":3019,"sentiment":"positive","sentiment_score":0.41839906573295593},{"text":"With your income protection benefit, your current insured amount is a pretax 200 sorry. $2,998 as a monthly benefit there. Income was you're earning about 60,000. With income protection, if you are receiving any kind of Centrelink, what happens with an indemnity policy, which is the type of policy you have, is that at claim time, they will ask for all the medical evidence to show you you're unable to go back to work. They will also then ask for any additional income evidence, so payslips or tax returns. They also find out whether you're eligible for Centrelink and things like that. They take your total income that you've earned prior to you being off work. And if you're receiving any regular Centrelink payments or any other offset payments, say, from workers' compensation or annual leave or sick leave, things like that, that can reduce the amount that you are covered for. So they sort of assess it that way. Your income, you kind of mentioned, is about 80,000 with the Centrelink side of things. How much are you just earning in your part time role in child care? Oh, I'm not in childcare. Oh, so sorry. It's a government administration. I do apologize. I read the I wrong was like, line. oh My my sorry. god. No. No. You're fine. I read the wrong one. You've got diploma in child services. It's about the 60,000. I know Centrelink's 26. Yeah. So, yeah, around Working the about 60,000, sixty thousand? I think. Yep. That's okay. So 60,000.","start_word":3020,"end_word":3276,"sentiment":"neutral","sentiment_score":0.013106011721243944},{"text":"Perfect.","start_word":3277,"end_word":3277,"sentiment":"positive","sentiment_score":0.5699806213378906},{"text":"So with income protection, you can be covered for up to 70% of your pretax income. If we looked at the full 70%, it would show that you would need to have a monthly benefit of about 3,500. That's pretax because with income protection payments, income tax is also deducted out of the amount. So, realistically, on a monthly basis, you could expect about $3,000 to be paid out of that. With the current cover you have, it has a monthly benefit of $2,998. It Mhmm. is just slightly under the amount. So you are slightly underinsured there, but in the event of you being unable to go to work and meeting the ninety day waiting period, you could say realistically get about 2,500 as a monthly benefit and then also receiving your Centrelink on top of that. Does that feel appropriate? Does that feel like it would cover most of your expenses, or how do you feel about that amount? I think it would be fine. That would be okay? Yep. That's I think absolutely so. fine. Yeah. It's hard to know unless you're actually off work and on a claim. That's probably the worst time to have to think about that sort of thing, but it's always just kind of working out, am I comfortable with this now? If I wasn't a claim, would that be appropriate? Keeping in mind, Centrelink is indexed on a regular basis as well. So it is due to be reassessed and indexed again in September this year, so you your payments could continuously go up there as well. Okay?","start_word":3278,"end_word":3544,"sentiment":"neutral","sentiment_score":0.06431304874100935},{"text":"Cool. Excellent.","start_word":3545,"end_word":3546,"sentiment":"positive","sentiment_score":0.6773948669433594},{"text":"Now you do have a five year benefit and a ninety day waiting period on the income protection policy. It just means you have to be offered ninety days prior to making a claim. I always let everyone know that if you are going to make a claim or you're off work, let us know at the first instance. That way, we can let the insurer know, and that starts the waiting period so we can get the claim forms ready to go. And then at that ninety days, they can all be filled out and submitted to the insurer.","start_word":3547,"end_word":3646,"sentiment":"neutral","sentiment_score":0.22267359495162964},{"text":"It makes the claims process much smoother for you.","start_word":3647,"end_word":3655,"sentiment":"positive","sentiment_score":0.4069282412528992},{"text":"Okay?","start_word":3656,"end_word":3656,"sentiment":"neutral","sentiment_score":0.18654949963092804},{"text":"Excellent. And then a five year benefit period is a great benefit period.","start_word":3657,"end_word":3669,"sentiment":"positive","sentiment_score":0.45497599244117737},{"text":"While most income protection claims are finished within the first sort of one to two years, a five year benefit period does mean that you can be off work and on a claim for up to five years, and that's including a partial claim. So some people can, depending on the end injury or illness, go back to work, and be working one, two, or three days a week part time or casually and still receiving some money from the claim. So it does just sort of help to reduce the risk of that occurring and you're not being able to receive any additional funds there. Okay.","start_word":3670,"end_word":3776,"sentiment":"neutral","sentiment_score":0.13013039529323578},{"text":"Cool. Sounds good.","start_word":3777,"end_word":3779,"sentiment":"positive","sentiment_score":0.4275934398174286},{"text":"With the policy out of super this year, you paid $554.44. The policy is nice and cheap at the moment, but it will get more expensive over time. So we'll just keep reviewing it with you, and keep making alterations as we need to, as your life changes, as the it's appropriate to do so. Does do you have any questions? I'm sorry. I do go through a lot of information with that, but is there anything that's come up question wise?","start_word":3780,"end_word":3861,"sentiment":"neutral","sentiment_score":0.09560887515544891},{"text":"Not at the moment. No.","start_word":3862,"end_word":3866,"sentiment":"negative","sentiment_score":-0.3936157524585724},{"text":"No? Beautiful. All good. Now I can also see here you are also currently salary sacrificing about a $120 and 26 per fortnight into super on top of your employer contributions, that is a great amount to be doing.","start_word":3867,"end_word":3905,"sentiment":"neutral","sentiment_score":0.2618984090976226},{"text":"It does start you well, and that compounding over the next twenty to thirty years is only gonna benefit you and your super.","start_word":3906,"end_word":3928,"sentiment":"positive","sentiment_score":0.4870836138725281},{"text":"Are you fairly comfortable with that amount? Did you wanna review the salary sacrifice amount, or are you happy just to keep it as it is? No. I'm happy to keep it as is. Yep.","start_word":3929,"end_word":3963,"sentiment":"neutral","sentiment_score":-0.026945898309350017},{"text":"Fantastic.","start_word":3964,"end_word":3964,"sentiment":"positive","sentiment_score":0.5397441387176514},{"text":"I'll note your income down here as being about 60,000 from employment. Is that you're comfortable with me noting that down there? Would you wanna change that figure at all? No. I don't think so. That sounds okay.","start_word":3965,"end_word":4002,"sentiment":"neutral","sentiment_score":0.09552178531885148},{"text":"Beautiful.","start_word":4003,"end_word":4003,"sentiment":"positive","sentiment_score":0.4301879107952118},{"text":"And I have found here that you were able to save about a $150 on a weekly basis. Are you putting away any sort of dedicated savings, or is money a bit tight with the mortgage and the increase in interest rate? No. I'm pretty good with that. I've got a whole budget and everything, and Fantastic.","start_word":4004,"end_word":4060,"sentiment":"neutral","sentiment_score":0.11379332095384598},{"text":"money goes direct debit into other accounts and that Lovely.","start_word":4061,"end_word":4070,"sentiment":"positive","sentiment_score":0.36845213174819946},{"text":"kind of thing. Lovely. Lovely. And you've only got one child? Yes. Lovely. I had done here that he was four in May last year, so he'd be five now? Yeah. He's in Wow. prep very exciting That's morning.","start_word":4071,"end_word":4109,"sentiment":"neutral","sentiment_score":0.14119155704975128},{"text":"incredible.","start_word":4110,"end_word":4110,"sentiment":"positive","sentiment_score":0.34336280822753906},{"text":"Oh, wow. They grew up so fast. My son just turned 10, and it was a little bit hard knowing it's the last time I'll ever have a 10 year old. I know. It's awful. You're like, It I want is. you to say little, but I want you to grow up. I know. And it's such a fun age between the ages sort of three to, like, 11. They're not in that teenager phase yet, but they're still able to do everything, have fun, and you don't have to carry too much baby stuff around with you anymore. No. Beautiful. We've double updated the mortgage there for you. So you've got about 10,000 less than you had last time there. With the main primary residence, would you change the valuation? We had it valued at about 400,000 last year. Would you update or alter that or change that valuation? It did probably have to go up. I think it's around the $5.50 Mhmm. or so. Okay.","start_word":4111,"end_word":4277,"sentiment":"neutral","sentiment_score":0.04923916034801992},{"text":"Beautiful. That's excellent. Lovely.","start_word":4278,"end_word":4281,"sentiment":"positive","sentiment_score":0.7359275817871094},{"text":"And I had your car down here. What kind of car do you drive? It's a Kia Rio. It's probably gone down in value. That's okay. I had it at 6,000 last year. Would you drop it to maybe $5.5.5, or a little bit less? Maybe $4.4.5. I Yep. don't think they Beautiful. were worth much anymore, No. and That's it's been okay.","start_word":4282,"end_word":4344,"sentiment":"neutral","sentiment_score":-0.03172152489423752},{"text":"very loved by my son.","start_word":4345,"end_word":4349,"sentiment":"positive","sentiment_score":0.3960493803024292},{"text":"So Oh, that's probably good. Yes. yeah. And savings wise, we had you had about 10,000. And if you're still managing to put dedicated savings away, has that gone up a little bit? Or I'm gonna leave it at 10,000. yeah. Let's leave it at that for the minute Yep. because That's I've absolutely done some fine. renos and we've had some trips, so Yep. probably Absolutely. gone up and down.","start_word":4350,"end_word":4420,"sentiment":"neutral","sentiment_score":0.06739132851362228},{"text":"Perfect.","start_word":4421,"end_word":4421,"sentiment":"positive","sentiment_score":0.379423588514328},{"text":"I had done here goals as well that over the next sort of five years, you were looking to proceed with IVF and have another child. Is that still a goal that you're looking to do down the track, or have you started that? I did it last year and it took and then, unfortunately, it didn't work out. So Oh, I'm so sorry. That's okay. Yeah. Is there The risks you a lot take. yeah. It's a lot to go through to do that. I completely understand. I've got friends who are doing it at the moment, and it's a very emotional time to go through. Are you how did you kinda go after? Because I know it's very sad and a very emotional time, but are you planning to kinda try again down the track, or you just get taking some time for yourself at the moment? Or I'm just taking some time at the minute. So it Yep. yeah. I'm not sure Yep. if I would like to, but whether Yep. there's other factors. You know? It's a lot of money, and whatever I decide to do impacts Yeah. the little one that I have Yeah. a lot. So there's a lot to take into consideration. So I'm just Yeah. sitting Yeah. with it, enjoying his first year of prep, and we'll see what next year We holds. have with those. Absolutely. Absolutely. I also had it noted down here that, obviously, paying down the mortgage is a big goal in the next sort of five years. Do you have a goal amount that you're trying to sort of pay the mortgage down by, or are you just adding extra onto it and sort of seeing how much you can chip away? Just seeing how much I can chip away. So I pay about an extra 60 or 70 a week Yep.","start_word":4422,"end_word":4736,"sentiment":"neutral","sentiment_score":-0.04012552696088004},{"text":"Beautiful.","start_word":4737,"end_word":4737,"sentiment":"positive","sentiment_score":0.4267855882644654},{"text":"down. So, yeah, I'm paying it weekly now rather than fortnightly or monthly. Yep.","start_word":4738,"end_word":4751,"sentiment":"neutral","sentiment_score":0.1004425436258316},{"text":"Which is fantastic.","start_word":4752,"end_word":4754,"sentiment":"positive","sentiment_score":0.5646699666976929},{"text":"Extra payments.","start_word":4755,"end_word":4756,"sentiment":"neutral","sentiment_score":0.31799837946891785},{"text":"Beautiful.","start_word":4757,"end_word":4757,"sentiment":"positive","sentiment_score":0.5047677755355835},{"text":"Over time and go and this is a long time that the tracking could absolutely change, but you wanted to be fully debt free to have the house fully paid off by the time you access super. Would like to have a new car by that time, and also just wanted to travel to destinations like Europe and New Zealand, whenever you wanted to. Is that still fairly accurate unchanged? Yeah. Pretty much. Yep.","start_word":4758,"end_word":4831,"sentiment":"neutral","sentiment_score":0.14397317171096802},{"text":"Beautiful.","start_word":4832,"end_word":4832,"sentiment":"positive","sentiment_score":0.41776496171951294},{"text":"I had down here that you were hoping to access super by age 65. Are you still thinking that's the age you might want to that can change on the track and you don't have to decide now, but are you still sort of tracking towards that goal, or would you like me to make it the earliest opportunity, say 60? No. Let's stick with 65. I don't know what the what life's Yeah. gonna look like down the track.","start_word":4833,"end_word":4912,"sentiment":"neutral","sentiment_score":0.0032562378415605052},{"text":"That's that's honestly okay. Not a problem at all. I've confirmed your goal with your insurances.","start_word":4913,"end_word":4928,"sentiment":"positive","sentiment_score":0.37519586086273193},{"text":"We've looked at what that is, and they still remain appropriate at the moment. But if anything changes there, do let me know. Just so you are aware, insurance wise as well, like, you've got life keeping the income protection, but there are other types of insurances. And, I mean, you can, essentially, with all the types of insurances out there, insure everything to the health, which costs us a a huge amount of money every year. But there are other types of insurance like trauma, which pays out a lump sum benefit in the event that you're diagnosed with a major traumatic condition, things like cancer, heart attack, strokes, neurological conditions like MS and Parkinson's are also considered in those. It is an out of pocket expense, and you can also get insurance like child trauma as well, which pay out lump sum tax free benefits in the event that your child is diagnosed with a major traumatic condition. So there are those other benefits, and other types of insurances that you can also obtain or apply for. Did you wanna look at maybe getting anything additional or you're happy just with what you've got there at the moment, not wanting I'm happy to with what I've got at the minute. yeah.","start_word":4929,"end_word":5141,"sentiment":"neutral","sentiment_score":0.03157023340463638},{"text":"Beautiful. Fantastic.","start_word":5142,"end_word":5143,"sentiment":"positive","sentiment_score":0.6738491654396057},{"text":"And down the track, if you decide you wanted to sort of put a put money away and start to invest for your son for his future as well. We do have access to other investments. So as licensed advisers, we look at your super insurance, it says, but we can provide advice in other areas. We have access to, like, child bonds and things, which is putting money into investment products for, you know, the next ten to twenty odd years to benefit your child down the track. So we can also help you in those areas, look at investing outside of Super if you're wanting to do that as well so that we can help to hopefully get you access to funds before 60 if you decide you wanna look at retiring earlier or just building your space in there elsewhere. So feel free to come back and let us know if there's other sort of goals or other, you know, investment opportunities that you do wanna look at as well. Okay? Okay.","start_word":5144,"end_word":5318,"sentiment":"neutral","sentiment_score":0.22490406095981597},{"text":"Excellent.","start_word":5319,"end_word":5319,"sentiment":"positive","sentiment_score":0.6717023849487305},{"text":"The only other thing just to double check here is, the estate planning side of things. Now I can see you did have a will and power of attorney all set up.","start_word":5320,"end_word":5351,"sentiment":"neutral","sentiment_score":0.22571809589862823},{"text":"You are still comfortable.","start_word":5352,"end_word":5355,"sentiment":"positive","sentiment_score":0.33769330382347107},{"text":"That still reflects your wishes. Yes. Yep.","start_word":5356,"end_word":5362,"sentiment":"neutral","sentiment_score":0.2569069564342499},{"text":"Beautiful.","start_word":5363,"end_word":5363,"sentiment":"positive","sentiment_score":0.4409000873565674},{"text":"And just double checking with your beneficiaries here as well. So I have it down that you wanted a 100% of the beneficiary to be paid to Hayden, and you want that for your super and your life insurance. Is that correct? Yes. Yep.","start_word":5364,"end_word":5407,"sentiment":"neutral","sentiment_score":0.13452838361263275},{"text":"Beautiful.","start_word":5408,"end_word":5408,"sentiment":"positive","sentiment_score":0.4531841278076172},{"text":"The beneficiary you have is a binding nonlapsing.","start_word":5409,"end_word":5416,"sentiment":"neutral","sentiment_score":0.2677076458930969},{"text":"It is honestly the best kind of beneficiary nomination.","start_word":5417,"end_word":5425,"sentiment":"positive","sentiment_score":0.33336424827575684},{"text":"It binds the trustee to follow the direction, and non lapsing means you only have to fill that format once. We will just review it with you each year so that when and if you decide to have that updated, we can make sure that directive is followed for you. Okay?","start_word":5426,"end_word":5476,"sentiment":"neutral","sentiment_score":0.20593100786209104},{"text":"Fantastic. Excellent.","start_word":5477,"end_word":5478,"sentiment":"positive","sentiment_score":0.5296753644943237},{"text":"In that DocuSign, you will see a copy of all the documents that I have gone through. So you've got your MetLife policy, the summary of Superann Insurance as your hub twenty four investment information as well. It's also got the ongoing service agreement there. So you do pay us an ongoing service fee of 1.65% per annum, and that is deducted in small sorry, monthly increments and deducted out of your super.","start_word":5479,"end_word":5551,"sentiment":"neutral","sentiment_score":0.23173394799232483},{"text":"If you're happy to stay on board and wanted to keep providing advice and looking after things, I'll just get you to sign and return that one back for me at your earliest opportunity.","start_word":5552,"end_word":5585,"sentiment":"positive","sentiment_score":0.3483913540840149},{"text":"And in the meantime, I'll go back and do a bit of research around the super the investors, and I'll come back and update the recommendation for you. Okay?","start_word":5586,"end_word":5614,"sentiment":"neutral","sentiment_score":0.25684553384780884},{"text":"Awesome. Excellent.","start_word":5615,"end_word":5616,"sentiment":"positive","sentiment_score":0.5215882062911987},{"text":"Is there anything else that you think I might have missed or needed to touch on that your any other questions that might have come out of any of it? No. I think I'm all good. No? Excellent.","start_word":5617,"end_word":5654,"sentiment":"neutral","sentiment_score":0.19035327434539795},{"text":"And you're happy to sort of stay in that growth environment?","start_word":5655,"end_word":5665,"sentiment":"positive","sentiment_score":0.4253608882427216},{"text":"Are you sort of wanting to look at reducing the risk level at the moment? No. I think we're all good.","start_word":5666,"end_word":5686,"sentiment":"neutral","sentiment_score":-0.013473153114318848},{"text":"Yeah. All Happy good.","start_word":5687,"end_word":5690,"sentiment":"positive","sentiment_score":0.604640007019043},{"text":"I with think where one things of at. yeah. I mean, realistically, with where you're at, it sort of suits your time horizon when you consider risk out of a number between one and five, five being the highest risk, one being the lowest. You're sort of sitting at about a three, so sort of in the middle range there. The only sort of question I wanted to double check is with if you saw the market fall in the next sort of, say, six to twelve months and it fell by, say, 20%, do you think you'd be feeling kinda concerned about that nervous, or would you sort of not be worried about the market falling knowing you're not accessing SuperNow? How do you think you might react? Oh, I think I'd have an initial panic, and then I think it'd be fine. Yeah. Given I'm not accessing it for a Yes. while, it's got time to bounce Yeah. back. Do you think you'd be likely to give us a call, maybe have a chat about what's happening, hold on, and just sort of wade through that downtime? I'd probably just wait. Yep. If Beautiful. I had anything And the any, yeah. like, absolute You're right. massive panic side, give you a call, but I think everything would Yep. be pretty fine. Absolutely. And the last one I wanted to double check here was, have you ever considered borrowing in order to invest in shares or managed funds, or would you only wanna borrow from a financial institution in order to buy property, do you think? The second. The second one? Beautiful. Do Yeah. you wanna have any additional properties in the future? Are you happy with the one you've got? Are you wanting to invest in other areas? It's not a a goal as such. I mean, Yep. if something was to come up and it was, you know, That's dead. Right? Yeah.","start_word":5691,"end_word":6015,"sentiment":"neutral","sentiment_score":-0.051972415298223495},{"text":"perfect and, you know, all the planets had aligned and that kind of thing, yeah, maybe, but Yeah.","start_word":6016,"end_word":6033,"sentiment":"positive","sentiment_score":0.33560389280319214},{"text":"not not specifically looking for No. That's okay.","start_word":6034,"end_word":6041,"sentiment":"neutral","sentiment_score":0.010510284453630447},{"text":"That's absolutely fine. That's beautiful. Thank you so much for that. Well, look, I will let you go to enjoy your day. I hope your son enjoys anything.","start_word":6042,"end_word":6069,"sentiment":"positive","sentiment_score":0.6813673973083496},{"text":"his week back at school. Feel free to have a look at the email and just sign and return it back when you've got the opportunity to do so, and I'll go back and do some research there for you. My team will touch base in a couple of weeks and book you back in so we can go through the updated advice document together. Okay?","start_word":6070,"end_word":6135,"sentiment":"neutral","sentiment_score":0.30198922753334045},{"text":"Awesome. Sounds great. Thank you so much for your time, Caitlin. Enjoy your day. Thank you. You too. Thank you. Talk to you soon. See you later.","start_word":6136,"end_word":6162,"sentiment":"positive","sentiment_score":0.6783122420310974},{"text":"Bye. Bye.","start_word":6163,"end_word":6164,"sentiment":"neutral","sentiment_score":0.15651804208755493}],"average":{"sentiment":"neutral","sentiment_score":0.06602745595003881}}}}