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Now I don't know if you if you did hear it, but I was saying in regards to your superannuation and insurances. So for your superannuation because insurances and superannuation does not automatically form part of the estate. So you can make separate nominations for it. So for your superannuation, I have Wendy nominated. You're still happy with that? Yep. Perfect. We don't actually have a nomination for your insurances, though. So we're going yeah. Did you send it by post or email? Do you remember? Because, yeah, normally, it would be, like, you just send it back to us, and then we would action that for you. Sometimes that's frustrating for you. Do do you do you remember was that with the return envelope you send it? Okay. I will triple check the system to make sure. But if not, do you have access to a printer by any chance? Okay. Okay. Because what I can do otherwise, especially if it is, like, you've if you've already completed it and send it back and then just never came back to us, that's obviously a bit frustrating for you and never know. Sometimes with our folks that what we could do instead so that you don't have to complete it again is that I can get the team to email it through you. Because you are making a legal nomination, it just have to be printed and website. And then if you just scan it and email it back, then we know for sure that it's come back to us. Okay. Mhmm. Okay. You should have reached us by now, especially because you guys are in Queensland as well. So it's not like you're over in WA or something and the post is a little bit slower. But I will go and check with the the admin team to see if they've received the recent one and see where that was at. And that was for your AAA insurances hub 24 because the hub 24 is definitely in place. Do you remember if you did two forms? Yes. That's correct. Yeah. Okay. Okay. Because, usually, just to make it streamlined and easier, we say like, on the return envelope, it has our address, so it just automatically sends it back to us so that we can make sure it's all, you know, put in place correctly. But I will check with the team. And if it is that it hasn't arrived, then when we catch up in a few weeks, I will let you know. And then that way, we can see if we can get you another form to make sure we get that sorted because we wanna make sure we have that in place for your insurances as well. Yep. Alright. Perfect. Now I'll kind of skip over goals and stuff for now given we are catching up with Wendy as well, and we can work on it together. Before your otherwise, when it comes to how your money is invested into preannuation, which can be very individual, is that I'll just go through a couple of multiple choice questions with you there, Matthew, just to see how you feel about your level of risk and market fluctuation. Now there's no right or wrong answer. Yes. Yes. 100 percent. 100 100%. So even if you tell me, yeah, you you feel like you are comfortable with the level of risk when we do get together, if you say, no. Actually, I'm more defensive or do you know what? I'm more comfortable with the risk, because that could also play a role with however her investments are invested. If that's a different risk profile, that can also play a role into it if it's if it's a little bit different. Okay. Yeah. Now, basically, have you ever bought direct shares on the stock market yourself? Like, shares or nope. No. Okay. Yes. Perfect. Now when it comes to the level of risk that you are comfortable with for your superannuation, So just hypothetically speaking, would you say that you are comfortable with very high risk, high moderate, or a very small moderate? Yep. Perfect. That's what we had last time as well. And if you ever saw big market fluctuations, would you say that if at the time of investing, if things were down, would you want to take advantage of that by buying more while the prices are down, or would you kind of hold and wait to see what happens? Mhmm. So potentially invest a little bit, obviously, depending on the situation and the investments and stuff. Yep. Perfect. And if you ever saw any fluctuations in any assets, so any of your the personal shares that you had before or superannuation, if you saw that it was down, would you feel optimistic about potential investment opportunities in the future as a result? Would you be kind of kind of a little bit cautious? You do not wanna put any more in, or would you say you'd be concerned or highly anxious? A bit more cautious. Yep. Perfect. And last one is, would you ever consider taking out a loan to invest in stocks or funds? Yeah. Yep. Yep. Yep. Yes. No. Perfect. Now, Matthew, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in. Yeah. But it's also good because it means that it's like your your kind of how you feel about fluctuations even with, like, the last twelve months, obviously, seeing a bit of fluctuations in the market, which I'm sure you've heard on the news with everything that's happened in the last twelve months. First, obviously, Trump and tariffs and everything and, obviously, more recently, the war. It also means that you kind of understand that there will be some ups and downs and market fluctuations, and that, obviously, it makes you a little bit cautious. You're not someone to just jump in and take a lot of risk, but you also kind of understand that, you know, there will be some level of full term fluctuation in order to making sure that we continue to grow your superannuation. Now what we also factor in when it comes to the risk profile is making sure that you have enough time in the market for those fluctuations. So, typically speaking, in a growth portfolio, we want to allow a minimum of six years until retirement just to make sure you have enough time. So if you are planning around that sixty four, then you do have that six years behind you if something, you know, fluctuations in the market. So from a time frame point of view and the answers, a growth seems to be suitable as long as at least for for right now, you are comfortable with the level of risk that you are currently in. Yep. Okay. Now, Matthew, do you have access to your emails at the moment or not really? Yeah? Okay. So what I have done is I have sent you an email with some documents to run through quickly, which shows where your super balance is at and also your insurances and performance and everything. Now we have just Oh, perfect. Yep. So if you can open that one now, it will say, I think, sign now. The but it will still allow you to open up and view everything before it gets you to to sign anything just to make sure you are happy first. Now when you open it up, it should show you your super and insurance summary first. Let me know if you can see that. Yeah. Beautiful. So you can see here that you have your superannuation with hub twenty four, and you do have $284,737 in there. Now you also have some insurances underneath that. So you have your insurances with AIA. Now, actually, before I do go into that, I can see on your account so that would be a conversation for the two of you if you are happy with that. But Hub twenty four, which is where you have your super, they allow for something that's called family linking. So what you can do is you can actually link your super accounts kind of in in in the back end. And what that allows you to do is you can have either side over each other's superannuation if you want to just as, like, a viewing so that you can look at everything together. But what it also does is it depending on how much you guys have jointly, it it reduces the admin fee a little bit. So it does make it cheaper. So instead of the admin fee, because it's usually calculated based on your balance, if you have the two together, they calculate it as if that's your super balance, and you do get a discount with a higher balance. So that is something we can look at. So if there's any way we can, obviously, reduce that fee for you at any means, even just like a platform fee, then that is good. As long as you both are comfortable seeing each other's accounts, then that is something we can organize for you guys as well. Does that make sense? Yep. Would you be comfortable with that? Yes. Yeah. Yes. We can chat about it together and see. And, yeah, sometimes couples find it easy because it's like, if you log in to your account, there's a drop down where you could check her account. Or is that something that she's, like you say, look a lot more and a bit more proactive, then she can also look and view at yours so then you guys can both see. Yeah. And it's just like a viewing. She wouldn't be able to do anything without your permission, but it's looking at it. But we can I'll just put a little note, and we can chat about that next time. Because, yeah, if there's a way that we can reduce administration fees, we'd have 24, then that's just the bonus. But with your insurances, though, so you have life and total permanent disability insurance. Now that is paying $481,572. If something were to happen to you and you were to pass away or if you were to become totally and permanently disabled. Now with that level yeah. They do have each each insurer have a different time frame, and it also depends on the product of when so every year, they update their product disclosure statement. So it also depends on that. Life insurance, though, tend to be around 85 to a 100. Total permanent disabilities tend to be slightly different. It's sometimes between 60 and 70, and sometimes depending on the time frame, it could convert to a different type of definition, unless you decide to cancel it. Yep. Yeah. So, basically, if you were to pass away tomorrow, you she would get 481,500 and 72 life plus your superannuation. Mhmm. Correct. Sometimes there is indexation, which looks like your policy is, which means that every single year, it will increase slightly with inflation and stuff. And sometimes as well, it's, like, it's built in, and you can still reduce it whenever you want to. But it is built in as well, so if you accumulate more debt or or anything like that, you might need more cover. Now often, it's more where you see depends on, obviously, your situation, but you have more kind of younger families or you have, obviously, financial dependents at home. So you still have, obviously, expenses. And with living costs continue to go up, you might you know, let's say ten years ago, 400 may have been okay, but equivalent today, that might be closer to, you know, 5 or 600,000 to cover the same amount of things. So that's why it kind of continues to go up. But, often, also, what's important is making sure it's still applicable for you. Because at the same time, every single year, so the older you get, it gets more and more expensive. So at the same time, as you wanna have the cover in place, you also wanna make sure it doesn't get too expensive. And if you don't need that much cover, you can reduce it to make it cheaper. But then, obviously, the trade off is, well, you have less if something were to happen. So with your life and pay payday, do you feel like that level of cover will meet what your goals and wishes are if something were to happen to you? Tricky one. Correct. Yeah. Copy copy for now? Yes. Yes. Sorry. The next document will show you that, actually. It will show you exactly what happened in the last twelve months so we can go through that. But with so, obviously, with your life and TPD, that would obviously come cover the the mortgage on the investment property. So then if something happened, you wouldn't have to sell that, and it obviously leaves a little bit of extra to a state. Now the other one you have is your income protection. So that will pay you a monthly amount if you are temporarily unable to work. Now you have a thirty day writing period and a five year benefit period on that. Are you still happy with your income protection? Yeah. Mhmm. Mhmm. Yep. You have five years. So up to five years, you can get an income replacement. So so so with TPD, that is the hardest one to claim on because that is basically where you have to have two doctors to sign off on the fact that you can never go back to work again. And that's going to be a lump sum payment payout. Now income protection is a little bit easier, but it's still proving that you are temporarily unable to work. It doesn't have to be happening at work. It could be an illness or injury or anything that would mean that you cannot work for a while. You have to meet the definition on the waiting period, which means you have to wait that thirty days before the income replacement will start. And, typically, every month, the doctor would do an assessment to check-in. Are you still off work and how are things going? And if you're still off work, then they'll kind of continue that payment, if that makes sense. Yes. So on the document, which will be not the next one, the one after that, it has your AIA insurance in a bit more detail. So it breaks down everything. So even if you want to go and have a chat to, obviously, Wendy, see what you wanna do. And then when we get together, all of us see if you wanted to make a change or whether you're happy with it. Because it also factors in well, income protection is great if if you cannot meet your living expenses or anything like that with your income, and that will, you know, mean that you'd have to move or you can't do anything, then income protection becomes very important because, obviously, your income won't be there. But at the same time, if you guys are living quite comfortably and can, let's say, live financially on just Wendy's wage, for example, and you don't need your income, then that could be a different question. Does that make sense? Like, as in would you guys need need the income protection in place? Because, obviously, you were paying for it. Mhmm. Yes. Yeah. Because those three are costing after a tax rebate about 5,507 per year. Yeah. Yeah. Exactly. Because you yeah. No. And then you would hate to obviously, if something were to happen, it is yes. It's 5,500, but that's per year. You would get an income replacement of about 4,800 per month. So if something were to happen, obviously, insurances is one of those things. Like, you never want to be able to use it, but then you're paying for something you never used. But then the ramifications financially, if you don't have it in place, can be quite severe. Yep. So, yeah, have have a think about it. And then when we catch up next time, if you wanna make any changes, if you wanna reduce any cover amount, if you wanna leave it, you just let me know. Okay? Yep. Otherwise, when it comes to the super performance, so that should be your next report, which should say have a 24 performance report, performance with IRR. Does it say that at the top? It would just be next. I think if you press next, there should be another attachment after the super and assurance. Yeah. Yes. Yeah. Perfect. Now that one here shows your portfolio over the last twelve months. So to answer your question, what was your future balance at the start of this period, so on the 07/02/2025. It was at you can see on the so, basically, the second column says market value start of period. At the bottom, it says total. So that tells us it was $250,923.37. Yep. For the last yes. Excellent question. Now if you scroll through second page, page two out of two, it should show you just an overview of the total portfolio. Now this is all after fees as well. So if you look on the second column to the right where it says internal rate of return, that shows us how your investments alone did after fees. So it was still up by 7.7%, which is pretty good given the market conditions we have had in the last twelve months. We can definitely have a look at that together because then it's also what you are comfortable with. Because with that, I I won't be able, obviously, to disclose her for privacy while she's not on the phone. But, otherwise, you can some years, if you are if you are an aggressive portfolio, some years, depending on what you invest in, will be fantastic. Other years can be down quite a lot. So you also then wanna make sure you are comfortable with that. So if when there are mark market turbulence, would you be comfortable with, let's say, one in every five years being a negative to offset that, or would that kind of make you a bit worried? So that also comes into play, if that makes sense. Yep. Correct. That's correct. Yeah. But what we should do anyway is have a look at the investments for you. Because when you scroll up to page one, you can see that that what there is one investment that I wanna look at swapping for you, but we can do it all together because you have to go it in in the advice piece and put a strategy together, is your first one, and that is your Benelon Australian equity. Now that one has underperformed in the last twelve months. And not always when an investment is down do we wanna sell and swap it if we foresee it coming back around because you don't wanna sell it when it's down if there's a chance of it bouncing back quickly. But at the same time, we wanna be proactive. And if we, you know, do all the research and feel like it's not going to be the best option moving forward and there are better alternative options that will put you in a better position, we wanna look at considering changing it. So that one is one that I would like to look at changing out of your portfolio. The rest of your investments have done pretty good. But that, again, could be something where if we have you and Wendy together, we can look at, okay. What does she have? What do you have? What risk profile are you in? What risk profile is she in? What are you both comfortable with? And then kind of working on everything together, whether that is swapping a couple of yours or depending on what you are comfortable with to make sure you are both aligned. But also trying to get you through, you know, so you can retire at 64 when she retires as well. Yep. A r t, Australian retirement address? Yes. Yep. Yeah. It depends on what you are often, it's like the fees can be a little bit cheaper, but the investment performance tend not to outperform the custom portfolio. But it's something we wanna continue to review because things are always changing, like you said. So part of the process if we, you know, put together a joint strategy for the two of you is that I wanna look at your super funds as well, which is what we always do. Because just because Hub twenty four was the best option for you when you came on board and that investment portfolio does not mean it's always going to be the case, because things are always changing. Yeah. Yeah. Yeah. Yeah. Yeah. And that will be part of the research that we would do as well. Sorry. I'll always consider all super funds, but I can specifically look at the ART for you as well and look at a similar level of risk and then do a comparison. Because at the end of the day, we are not bound by hub 24, and we are bound as an adviser by the best interest you do, which is also making sure that whatever I recommend to you, the same will be for for when this adviser will put you in the best position. And if we do research and we see, okay. Well, I AARP is a lower risk, it's cheaper, and better performance, then that's what I will recommend. But if it's not performing as well and a lot more fluctuations of volatility and stuff like that, then I will not recommend it. So we're factoring everything along with capital gains tax and everything to then make a recommendation of what is going to be the best for you. Yep. Does that make sense? Yeah. Perfect. But, otherwise, HUB twenty four and the platform is very competitive. Now I personally use HUB twenty four for my superannuation as well. So it is quite competitive to other similar if you're looking at more of your sophisticated platforms because it is pretty cheap for what it offers, and there's hundreds and hundreds of different investment options to choose from. So it is very competitive, but it is something we always want to reassess through the research and through a strategy and making sure that still aligns with your goals and where you are at in this stage in life as well. Yep. Perfect. Now not much to go, but the next document, if you press next, what is that one? It's either your AIA insurances or the Vanguard chart. Yep. So you probably have seen this one before, but it is a good visual representation of what we are talking about when we're kind of talking about market fluctuations. So you can basically see here, it goes back from 1995 through to 2025. Now it does break down the different asset classes as well. So you can basically see that over the long term, market always goes up. The short term, there will be some ups and downs and market fluctuations depending on what is going on in the world. Now you can see your growth investments. So in a growth portfolio, we typically have about 80% in base. That is your top four together. So you'll have your US shares, which you can see have grown the most, also fluctuate the most, though. You have your Australian shares, international shares, and your property. Now that is your growth investment. And then you have about 20% in defensive, those bottom three. So you can see that they're a bit more stable. They don't grow as much, but they also don't fluctuate as much. So it's then also a level you're comfortable. So if you are in, let's say, an aggressive portfolio, you tend to have a 100% in those top four. Obviously, you're gonna have more fluctuations, but when things are going good, you'll have a higher growth. Yep. Now the next two should be your AIA insurances. Yep. Yep. Now these are the two so you'll have two documents. One is for your life and TPD. The next one is for your income protection. Now these are the ones that break down those insurances in a bit more detail. So it's all kind of the numbers and the the premium, so how much it costs that we went through in the first document. It just breaks it down in a little bit more detail. So even if you wanna look at this with Wendy and seeing what you think, and then let me know if you want to make any changes. Yep. Now after that, do you have a OTU services guide? So that's if you have, like, a double a double pole like, a double built in. So there's a lot of different features you can have onto it. So, yeah, whether you have, like, a a double crisis recovery, then that will will change, yeah, depending on that. So same with, like, the double universal TPD. So there's a lot of, yeah, a lot of different things built into the policies. Now on your income protection mhmm. Yes, please. Yeah. Yes, please. Which would be another AIA, but it will be your income protection. Yep. Now if you scroll down, you will see on summary of policy benefits, you will see two. There is only one income protection, but the retirement protector indemnity, which is listed, that is basically if you were to be on claim. Obviously, you're not gonna work, but it will continue to pay contributions into superannuation even though you are not working. So it's like another kind of little benefit. So making sure that your super doesn't get eroded if you are off work for five years. Yep. Now if you wanna press next for me. Yep. Now this is one where it will ask you for your signature if you are happy to do so, and that is it's just a compliance form to say we are keeping your tax file number secure and safe on file. So it will ask you for your signature, and it usually automatically adds a date as well. Yes. Okay. Is it? Okay. Yeah. Because usually it does automatically, but you never know. Sometimes it depends on what phones and stuff. Now what's the now what's the next document, Matthew? Yes. Now this one here, again, you probably have seen it a couple of times. It is one of those compliance documents as well, but it does give you all the important information in regards to all of us here at Oakview. If you just scroll through it, you will see that none of the important information has changed, but we've had a bit of an update to our marketing. So you might see a couple of new photos and also a bit of an extension to the team. Now as you scroll through, you will actually see myself, if you wanna put a face to the voice. And I am right next to Dana who was the last adviser you spoke to for your last interview. Yeah. And sometimes it's nice, especially as we do things over the phone, to kind of see who who we're talking to. Yeah. Yeah. It's like a person. Yeah. Yeah. Yeah. We can. If you guys are if you guys are ever wanting to, you know, come down this way to the Gold Coast and want to do in person, then more than welcome to do so because we have a lot of locals coming in as well. Yeah. Live over drive, but but otherwise Yeah. Yeah. Now there should be one more document for you, Matthew. You press next, and I believe that is a your ongoing service agreement. Is it, say, Harbour '24 consent to new ongoing fee arrangement? Yes. Now this one here yep. Now this one here will ask also ask you for your signature if you are happy with that. What this is is your ongoing service agreement. So that is to say that you are happy to stay on as a client. Now the fee structure is not changing. And because both you and Wendy are clients, you are on a reduced fee. So it's down to 1.1% from super. So not increasing or changing, which is good. It is also yeah. Of course. Yes. Sorry? The one that I can see on my end says Matthew Johnston. No. There should be. Let me check because the one that I can see right now let me check with the team. It says consent to new ongoing free arrangement, Matthew Johnson. He has your account number and everything. Let me see if I can see what you are looking at. Okay. If that's the case, then that's obviously an error for the team, so I will chase that up with them. Okay. Yeah. Consent. Okay. It doesn't have okay. Just leave that. Don't sign it, obviously. And Okay. I will go and chat to the team because the one that I'm looking at has all of your details. So it just says Matthew Johnson and everything. Yeah. That's not that one. Okay. Don't sign it. I will go and chat to the team who who just put that together just to check. And if it was incorrect, just just leave it. I will delete this, and I will reupload myself one that I'm looking at because that has yours and get that sorted. And I will get the team to text you if you are happy with that when I've resent it. And I will just triple check it myself because, yeah, if that is slightly different to what I'm looking at yet, then don't sign it. And I will go and delete that and get it sorted. So thank you for letting me know because, yeah, that's different to what I'm looking at. So very good attention to detail, Matthew. That is good. Very good attention because most people be like, oh, yeah. Yeah. I like like I said, the one I'm looking at has yours. So that is probably a bit of an error, so apologies for that. And thank you so much for flagging that. And I will chat with the team and see if I can see the document that you were looking at through the system, delete it, and then just reupload the one that I'm looking at because that's the one that has all of your stuff and get that sorted. I will get the team to text you once it's resent if you would like, or you can just see a new email come through. It will be everything the same, but just, obviously, I will triple check that it's that on the last page where it says the ongoing fee arrangement, that it doesn't have that with me, that it's just your details. Yes. Exactly. So I will go and do that, and apologies. And, again, thank you so much for flagging that. I will go and chat to the team as soon as I got off the phone and get that reissued for you. Now, basically, from here so, obviously, we wanna do a bit of a catch up with you and Wendy and work on strategies together. Now what do you guys prefer? So with Wendy, her adviser is Dana, who I believe you spoke to last time. I also want to let you know that I am going on maternity leave in two months. So In two months for twelve months. So full transparency. So so what I can either do, it is up to what you guys are comfortable with. I will have time to have the chat to both of you before I go or especially if, obviously, that kind of more ongoing management, because I will be gone for twelve months, is that I can brief my colleague, Dana, on everything we discussed today, especially if she's already dealing with Wendy, and then organize I think so too as much as much as I would love to do it for both of you given the time, to wanna make sure that I'm here, obviously, to see everything through is that I will chat to Dana who's absolutely lovely. I will go through everything we discussed today as long as you're happy for me to convey that, and then I will get the team through reach out. Do you know a time where you guys are both free, or would you have to speak to Wendy? Because I can get it booked in now with Dana for the two of you if you know Wendy's calendar. But it would trigger one. Yeah. Mhmm. Yep. Yep. Mhmm. Okay. Let me have a look here. Sorry. Okay. Yeah. Now she can alright. So have a look. She can do either next Thursday, July 9. She can do it at 05:30, but if that's too late, next Thursday, July 9 at five thirty. Too late? No. Oh, lovely. Oh, lovely. Otherwise, the following week, she can do Thursday again. Okay. If you could do 04:30, if that would be when Wendy will be home. Yes. Or I could do 04:00. Four o'clock? Okay. How about I put that tentatively in, which is Thursday, July 16 at 4PM? And if it is that you guys can't make it, just just let us know, and we can always get it rescheduled. Okay? But at least there's something locked in even if we call you guys and you go, oh, actually, Wendy's not home. I'm still, you know, at work. I can't make it. Then we can kind of book in another appointment. But at least you have something kind of locked in and and scheduled so we can kind of get working on everything together. And that also gives me a lot of time with Dana on what we discussed today to kind of go through before that catch up as well. 04:00 would be better, if that's okay. Yeah. Just because she has another one. Okay. Okay. Yes. Correct. Correct. Yeah. Yes, Diana. Yes. And we went very close. You know? Yeah. Yeah. Great. Beautiful. Yes. For sure. And, usually, that is something that we want to do as well. So if it is, and I want to do that as well. Like, if I'm working with one partner, I would like to deal with the other one as well so that we can work together, and I know Dana is exactly the same. And she's absolutely lovely, and you will be in very capable hands. And then you can work on stuff together. Yes. It's the first one. Sorry. Very exciting. We're full on, 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you said Matthew? Yeah. I don't know what happened there. It was my phone or your phone that disconnected. You can hear me okay, though?\n\nYeah. Now I don't know if you if you did hear it, but I was saying in regards to your superannuation and insurances. So for your superannuation because insurances and superannuation does not automatically form part of the estate. So you can make separate nominations for it. So for your superannuation, I have Wendy nominated.\n\nYou're still happy with that? Yep. Perfect. We don't actually have a nomination for your insurances, though. So we're going yeah.\n\nDid you send it by post or email? Do you remember? Because, yeah, normally, it would be, like, you just send it back to us, and then we would action that for you. Sometimes that's frustrating for you. Do do you do you remember was that with the return envelope you send it?\n\nOkay. I will triple check the system to make sure. But if not, do you have access to a printer by any chance? Okay. Okay.\n\nBecause what I can do otherwise, especially if it is, like, you've if you've already completed it and send it back and then just never came back to us, that's obviously a bit frustrating for you and never know. Sometimes with our folks that what we could do instead so that you don't have to complete it again is that I can get the team to email it through you. Because you are making a legal nomination, it just have to be printed and website. And then if you just scan it and email it back, then we know for sure that it's come back to us. Okay.\n\nMhmm. Okay. You should have reached us by now, especially because you guys are in Queensland as well. So it's not like you're over in WA or something and the post is a little bit slower. But I will go and check with the the admin team to see if they've received the recent one and see where that was at.\n\nAnd that was for your AAA insurances hub 24 because the hub 24 is definitely in place. Do you remember if you did two forms? Yes. That's correct. Yeah.\n\nOkay. Okay. Because, usually, just to make it streamlined and easier, we say like, on the return envelope, it has our address, so it just automatically sends it back to us so that we can make sure it's all, you know, put in place correctly. But I will check with the team. And if it is that it hasn't arrived, then when we catch up in a few weeks, I will let you know.\n\nAnd then that way, we can see if we can get you another form to make sure we get that sorted because we wanna make sure we have that in place for your insurances as well. Yep. Alright. Perfect. Now I'll kind of skip over goals and stuff for now given we are catching up with Wendy as well, and we can work on it together.\n\nBefore your otherwise, when it comes to how your money is invested into preannuation, which can be very individual, is that I'll just go through a couple of multiple choice questions with you there, Matthew, just to see how you feel about your level of risk and market fluctuation. Now there's no right or wrong answer. Yes. Yes. 100 percent.\n\n100 100%. So even if you tell me, yeah, you you feel like you are comfortable with the level of risk when we do get together, if you say, no. Actually, I'm more defensive or do you know what? I'm more comfortable with the risk, because that could also play a role with however her investments are invested. If that's a different risk profile, that can also play a role into it if it's if it's a little bit different.\n\nOkay. Yeah. Now, basically, have you ever bought direct shares on the stock market yourself? Like, shares or nope. No.\n\nOkay. Yes. Perfect. Now when it comes to the level of risk that you are comfortable with for your superannuation, So just hypothetically speaking, would you say that you are comfortable with very high risk, high moderate, or a very small moderate? Yep.\n\nPerfect. That's what we had last time as well. And if you ever saw big market fluctuations, would you say that if at the time of investing, if things were down, would you want to take advantage of that by buying more while the prices are down, or would you kind of hold and wait to see what happens? Mhmm. So potentially invest a little bit, obviously, depending on the situation and the investments and stuff.\n\nYep. Perfect. And if you ever saw any fluctuations in any assets, so any of your the personal shares that you had before or superannuation, if you saw that it was down, would you feel optimistic about potential investment opportunities in the future as a result? Would you be kind of kind of a little bit cautious? You do not wanna put any more in, or would you say you'd be concerned or highly anxious?\n\nA bit more cautious. Yep. Perfect. And last one is, would you ever consider taking out a loan to invest in stocks or funds? Yeah.\n\nYep. Yep. Yep. Yes. No.\n\nPerfect. Now, Matthew, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in. Yeah. But it's also good because it means that it's like your your kind of how you feel about fluctuations even with, like, the last twelve months, obviously, seeing a bit of fluctuations in the market, which I'm sure you've heard on the news with everything that's happened in the last twelve months. First, obviously, Trump and tariffs and everything and, obviously, more recently, the war.\n\nIt also means that you kind of understand that there will be some ups and downs and market fluctuations, and that, obviously, it makes you a little bit cautious. You're not someone to just jump in and take a lot of risk, but you also kind of understand that, you know, there will be some level of full term fluctuation in order to making sure that we continue to grow your superannuation. Now what we also factor in when it comes to the risk profile is making sure that you have enough time in the market for those fluctuations. So, typically speaking, in a growth portfolio, we want to allow a minimum of six years until retirement just to make sure you have enough time. So if you are planning around that sixty four, then you do have that six years behind you if something, you know, fluctuations in the market.\n\nSo from a time frame point of view and the answers, a growth seems to be suitable as long as at least for for right now, you are comfortable with the level of risk that you are currently in. Yep. Okay. Now, Matthew, do you have access to your emails at the moment or not really? Yeah?\n\nOkay. So what I have done is I have sent you an email with some documents to run through quickly, which shows where your super balance is at and also your insurances and performance and everything. Now we have just Oh, perfect. Yep. So if you can open that one now, it will say, I think, sign now.\n\nThe but it will still allow you to open up and view everything before it gets you to to sign anything just to make sure you are happy first. Now when you open it up, it should show you your super and insurance summary first. Let me know if you can see that. Yeah. Beautiful.\n\nSo you can see here that you have your superannuation with hub twenty four, and you do have $284,737 in there. Now you also have some insurances underneath that. So you have your insurances with AIA. Now, actually, before I do go into that, I can see on your account so that would be a conversation for the two of you if you are happy with that. But Hub twenty four, which is where you have your super, they allow for something that's called family linking.\n\nSo what you can do is you can actually link your super accounts kind of in in in the back end. And what that allows you to do is you can have either side over each other's superannuation if you want to just as, like, a viewing so that you can look at everything together. But what it also does is it depending on how much you guys have jointly, it it reduces the admin fee a little bit. So it does make it cheaper. So instead of the admin fee, because it's usually calculated based on your balance, if you have the two together, they calculate it as if that's your super balance, and you do get a discount with a higher balance.\n\nSo that is something we can look at. So if there's any way we can, obviously, reduce that fee for you at any means, even just like a platform fee, then that is good. As long as you both are comfortable seeing each other's accounts, then that is something we can organize for you guys as well. Does that make sense? Yep.\n\nWould you be comfortable with that? Yes. Yeah. Yes. We can chat about it together and see.\n\nAnd, yeah, sometimes couples find it easy because it's like, if you log in to your account, there's a drop down where you could check her account. Or is that something that she's, like you say, look a lot more and a bit more proactive, then she can also look and view at yours so then you guys can both see. Yeah. And it's just like a viewing. She wouldn't be able to do anything without your permission, but it's looking at it.\n\nBut we can I'll just put a little note, and we can chat about that next time. Because, yeah, if there's a way that we can reduce administration fees, we'd have 24, then that's just the bonus. But with your insurances, though, so you have life and total permanent disability insurance. Now that is paying $481,572. If something were to happen to you and you were to pass away or if you were to become totally and permanently disabled.\n\nNow with that level yeah. They do have each each insurer have a different time frame, and it also depends on the product of when so every year, they update their product disclosure statement. So it also depends on that. Life insurance, though, tend to be around 85 to a 100. Total permanent disabilities tend to be slightly different.\n\nIt's sometimes between 60 and 70, and sometimes depending on the time frame, it could convert to a different type of definition, unless you decide to cancel it. Yep. Yeah. So, basically, if you were to pass away tomorrow, you she would get 481,500 and 72 life plus your superannuation. Mhmm.\n\nCorrect. Sometimes there is indexation, which looks like your policy is, which means that every single year, it will increase slightly with inflation and stuff. And sometimes as well, it's, like, it's built in, and you can still reduce it whenever you want to. But it is built in as well, so if you accumulate more debt or or anything like that, you might need more cover. Now often, it's more where you see depends on, obviously, your situation, but you have more kind of younger families or you have, obviously, financial dependents at home.\n\nSo you still have, obviously, expenses. And with living costs continue to go up, you might you know, let's say ten years ago, 400 may have been okay, but equivalent today, that might be closer to, you know, 5 or 600,000 to cover the same amount of things. So that's why it kind of continues to go up. But, often, also, what's important is making sure it's still applicable for you. Because at the same time, every single year, so the older you get, it gets more and more expensive.\n\nSo at the same time, as you wanna have the cover in place, you also wanna make sure it doesn't get too expensive. And if you don't need that much cover, you can reduce it to make it cheaper. But then, obviously, the trade off is, well, you have less if something were to happen. So with your life and pay payday, do you feel like that level of cover will meet what your goals and wishes are if something were to happen to you? Tricky one.\n\nCorrect. Yeah. Copy copy for now? Yes. Yes.\n\nSorry. The next document will show you that, actually. It will show you exactly what happened in the last twelve months so we can go through that. But with so, obviously, with your life and TPD, that would obviously come cover the the mortgage on the investment property. So then if something happened, you wouldn't have to sell that, and it obviously leaves a little bit of extra to a state.\n\nNow the other one you have is your income protection. So that will pay you a monthly amount if you are temporarily unable to work. Now you have a thirty day writing period and a five year benefit period on that. Are you still happy with your income protection? Yeah.\n\nMhmm. Mhmm. Yep. You have five years. So up to five years, you can get an income replacement.\n\nSo so so with TPD, that is the hardest one to claim on because that is basically where you have to have two doctors to sign off on the fact that you can never go back to work again. And that's going to be a lump sum payment payout. Now income protection is a little bit easier, but it's still proving that you are temporarily unable to work. It doesn't have to be happening at work. It could be an illness or injury or anything that would mean that you cannot work for a while.\n\nYou have to meet the definition on the waiting period, which means you have to wait that thirty days before the income replacement will start. And, typically, every month, the doctor would do an assessment to check-in. Are you still off work and how are things going? And if you're still off work, then they'll kind of continue that payment, if that makes sense. Yes.\n\nSo on the document, which will be not the next one, the one after that, it has your AIA insurance in a bit more detail. So it breaks down everything. So even if you want to go and have a chat to, obviously, Wendy, see what you wanna do. And then when we get together, all of us see if you wanted to make a change or whether you're happy with it. Because it also factors in well, income protection is great if if you cannot meet your living expenses or anything like that with your income, and that will, you know, mean that you'd have to move or you can't do anything, then income protection becomes very important because, obviously, your income won't be there.\n\nBut at the same time, if you guys are living quite comfortably and can, let's say, live financially on just Wendy's wage, for example, and you don't need your income, then that could be a different question. Does that make sense? Like, as in would you guys need need the income protection in place? Because, obviously, you were paying for it. Mhmm.\n\nYes. Yeah. Because those three are costing after a tax rebate about 5,507 per year. Yeah. Yeah.\n\nExactly. Because you yeah. No. And then you would hate to obviously, if something were to happen, it is yes. It's 5,500, but that's per year.\n\nYou would get an income replacement of about 4,800 per month. So if something were to happen, obviously, insurances is one of those things. Like, you never want to be able to use it, but then you're paying for something you never used. But then the ramifications financially, if you don't have it in place, can be quite severe. Yep.\n\nSo, yeah, have have a think about it. And then when we catch up next time, if you wanna make any changes, if you wanna reduce any cover amount, if you wanna leave it, you just let me know. Okay? Yep. Otherwise, when it comes to the super performance, so that should be your next report, which should say have a 24 performance report, performance with IRR.\n\nDoes it say that at the top? It would just be next. I think if you press next, there should be another attachment after the super and assurance. Yeah. Yes.\n\nYeah. Perfect. Now that one here shows your portfolio over the last twelve months. So to answer your question, what was your future balance at the start of this period, so on the 07/02/2025. It was at you can see on the so, basically, the second column says market value start of period.\n\nAt the bottom, it says total. So that tells us it was $250,923.37. Yep. For the last yes. Excellent question.\n\nNow if you scroll through second page, page two out of two, it should show you just an overview of the total portfolio. Now this is all after fees as well. So if you look on the second column to the right where it says internal rate of return, that shows us how your investments alone did after fees. So it was still up by 7.7%, which is pretty good given the market conditions we have had in the last twelve months. We can definitely have a look at that together because then it's also what you are comfortable with.\n\nBecause with that, I I won't be able, obviously, to disclose her for privacy while she's not on the phone. But, otherwise, you can some years, if you are if you are an aggressive portfolio, some years, depending on what you invest in, will be fantastic. Other years can be down quite a lot. So you also then wanna make sure you are comfortable with that. So if when there are mark market turbulence, would you be comfortable with, let's say, one in every five years being a negative to offset that, or would that kind of make you a bit worried?\n\nSo that also comes into play, if that makes sense. Yep. Correct. That's correct. Yeah.\n\nBut what we should do anyway is have a look at the investments for you. Because when you scroll up to page one, you can see that that what there is one investment that I wanna look at swapping for you, but we can do it all together because you have to go it in in the advice piece and put a strategy together, is your first one, and that is your Benelon Australian equity. Now that one has underperformed in the last twelve months. And not always when an investment is down do we wanna sell and swap it if we foresee it coming back around because you don't wanna sell it when it's down if there's a chance of it bouncing back quickly. But at the same time, we wanna be proactive.\n\nAnd if we, you know, do all the research and feel like it's not going to be the best option moving forward and there are better alternative options that will put you in a better position, we wanna look at considering changing it. So that one is one that I would like to look at changing out of your portfolio. The rest of your investments have done pretty good. But that, again, could be something where if we have you and Wendy together, we can look at, okay. What does she have?\n\nWhat do you have? What risk profile are you in? What risk profile is she in? What are you both comfortable with? And then kind of working on everything together, whether that is swapping a couple of yours or depending on what you are comfortable with to make sure you are both aligned.\n\nBut also trying to get you through, you know, so you can retire at 64 when she retires as well. Yep. A r t, Australian retirement address? Yes. Yep.\n\nYeah. It depends on what you are often, it's like the fees can be a little bit cheaper, but the investment performance tend not to outperform the custom portfolio. But it's something we wanna continue to review because things are always changing, like you said. So part of the process if we, you know, put together a joint strategy for the two of you is that I wanna look at your super funds as well, which is what we always do. Because just because Hub twenty four was the best option for you when you came on board and that investment portfolio does not mean it's always going to be the case, because things are always changing.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nAnd that will be part of the research that we would do as well. Sorry. I'll always consider all super funds, but I can specifically look at the ART for you as well and look at a similar level of risk and then do a comparison. Because at the end of the day, we are not bound by hub 24, and we are bound as an adviser by the best interest you do, which is also making sure that whatever I recommend to you, the same will be for for when this adviser will put you in the best position. And if we do research and we see, okay.\n\nWell, I AARP is a lower risk, it's cheaper, and better performance, then that's what I will recommend. But if it's not performing as well and a lot more fluctuations of volatility and stuff like that, then I will not recommend it. So we're factoring everything along with capital gains tax and everything to then make a recommendation of what is going to be the best for you. Yep. Does that make sense?\n\nYeah. Perfect. But, otherwise, HUB twenty four and the platform is very competitive. Now I personally use HUB twenty four for my superannuation as well. So it is quite competitive to other similar if you're looking at more of your sophisticated platforms because it is pretty cheap for what it offers, and there's hundreds and hundreds of different investment options to choose from.\n\nSo it is very competitive, but it is something we always want to reassess through the research and through a strategy and making sure that still aligns with your goals and where you are at in this stage in life as well. Yep. Perfect. Now not much to go, but the next document, if you press next, what is that one? It's either your AIA insurances or the Vanguard chart.\n\nYep. So you probably have seen this one before, but it is a good visual representation of what we are talking about when we're kind of talking about market fluctuations. So you can basically see here, it goes back from 1995 through to 2025. Now it does break down the different asset classes as well. So you can basically see that over the long term, market always goes up.\n\nThe short term, there will be some ups and downs and market fluctuations depending on what is going on in the world. Now you can see your growth investments. So in a growth portfolio, we typically have about 80% in base. That is your top four together. So you'll have your US shares, which you can see have grown the most, also fluctuate the most, though.\n\nYou have your Australian shares, international shares, and your property. Now that is your growth investment. And then you have about 20% in defensive, those bottom three. So you can see that they're a bit more stable. They don't grow as much, but they also don't fluctuate as much.\n\nSo it's then also a level you're comfortable. So if you are in, let's say, an aggressive portfolio, you tend to have a 100% in those top four. Obviously, you're gonna have more fluctuations, but when things are going good, you'll have a higher growth. Yep. Now the next two should be your AIA insurances.\n\nYep. Yep. Now these are the two so you'll have two documents. One is for your life and TPD. The next one is for your income protection.\n\nNow these are the ones that break down those insurances in a bit more detail. So it's all kind of the numbers and the the premium, so how much it costs that we went through in the first document. It just breaks it down in a little bit more detail. So even if you wanna look at this with Wendy and seeing what you think, and then let me know if you want to make any changes. Yep.\n\nNow after that, do you have a OTU services guide? So that's if you have, like, a double a double pole like, a double built in. So there's a lot of different features you can have onto it. So, yeah, whether you have, like, a a double crisis recovery, then that will will change, yeah, depending on that. So same with, like, the double universal TPD.\n\nSo there's a lot of, yeah, a lot of different things built into the policies. Now on your income protection mhmm. Yes, please. Yeah. Yes, please.\n\nWhich would be another AIA, but it will be your income protection. Yep. Now if you scroll down, you will see on summary of policy benefits, you will see two. There is only one income protection, but the retirement protector indemnity, which is listed, that is basically if you were to be on claim. Obviously, you're not gonna work, but it will continue to pay contributions into superannuation even though you are not working.\n\nSo it's like another kind of little benefit. So making sure that your super doesn't get eroded if you are off work for five years. Yep. Now if you wanna press next for me. Yep.\n\nNow this is one where it will ask you for your signature if you are happy to do so, and that is it's just a compliance form to say we are keeping your tax file number secure and safe on file. So it will ask you for your signature, and it usually automatically adds a date as well. Yes. Okay. Is it?\n\nOkay. Yeah. Because usually it does automatically, but you never know. Sometimes it depends on what phones and stuff. Now what's the now what's the next document, Matthew?\n\nYes. Now this one here, again, you probably have seen it a couple of times. It is one of those compliance documents as well, but it does give you all the important information in regards to all of us here at Oakview. If you just scroll through it, you will see that none of the important information has changed, but we've had a bit of an update to our marketing. So you might see a couple of new photos and also a bit of an extension to the team.\n\nNow as you scroll through, you will actually see myself, if you wanna put a face to the voice. And I am right next to Dana who was the last adviser you spoke to for your last interview. Yeah. And sometimes it's nice, especially as we do things over the phone, to kind of see who who we're talking to. Yeah.\n\nYeah. It's like a person. Yeah. Yeah. Yeah.\n\nWe can. If you guys are if you guys are ever wanting to, you know, come down this way to the Gold Coast and want to do in person, then more than welcome to do so because we have a lot of locals coming in as well. Yeah. Live over drive, but but otherwise Yeah. Yeah.\n\nNow there should be one more document for you, Matthew. You press next, and I believe that is a your ongoing service agreement. Is it, say, Harbour '24 consent to new ongoing fee arrangement? Yes. Now this one here yep.\n\nNow this one here will ask also ask you for your signature if you are happy with that. What this is is your ongoing service agreement. So that is to say that you are happy to stay on as a client. Now the fee structure is not changing. And because both you and Wendy are clients, you are on a reduced fee.\n\nSo it's down to 1.1% from super. So not increasing or changing, which is good. It is also yeah. Of course. Yes.\n\nSorry? The one that I can see on my end says Matthew Johnston. No. There should be. Let me check because the one that I can see right now let me check with the team.\n\nIt says consent to new ongoing free arrangement, Matthew Johnson. He has your account number and everything. Let me see if I can see what you are looking at. Okay. If that's the case, then that's obviously an error for the team, so I will chase that up with them.\n\nOkay. Yeah. Consent. Okay. It doesn't have okay.\n\nJust leave that. Don't sign it, obviously. And Okay. I will go and chat to the team because the one that I'm looking at has all of your details. So it just says Matthew Johnson and everything.\n\nYeah. That's not that one. Okay. Don't sign it. I will go and chat to the team who who just put that together just to check.\n\nAnd if it was incorrect, just just leave it. I will delete this, and I will reupload myself one that I'm looking at because that has yours and get that sorted. And I will get the team to text you if you are happy with that when I've resent it. And I will just triple check it myself because, yeah, if that is slightly different to what I'm looking at yet, then don't sign it. And I will go and delete that and get it sorted.\n\nSo thank you for letting me know because, yeah, that's different to what I'm looking at. So very good attention to detail, Matthew. That is good. Very good attention because most people be like, oh, yeah. Yeah.\n\nI like like I said, the one I'm looking at has yours. So that is probably a bit of an error, so apologies for that. And thank you so much for flagging that. And I will chat with the team and see if I can see the document that you were looking at through the system, delete it, and then just reupload the one that I'm looking at because that's the one that has all of your stuff and get that sorted. I will get the team to text you once it's resent if you would like, or you can just see a new email come through.\n\nIt will be everything the same, but just, obviously, I will triple check that it's that on the last page where it says the ongoing fee arrangement, that it doesn't have that with me, that it's just your details. Yes. Exactly. So I will go and do that, and apologies. And, again, thank you so much for flagging that.\n\nI will go and chat to the team as soon as I got off the phone and get that reissued for you. Now, basically, from here so, obviously, we wanna do a bit of a catch up with you and Wendy and work on strategies together. Now what do you guys prefer? So with Wendy, her adviser is Dana, who I believe you spoke to last time. I also want to let you know that I am going on maternity leave in two months.\n\nSo In two months for twelve months. So full transparency. So so what I can either do, it is up to what you guys are comfortable with. I will have time to have the chat to both of you before I go or especially if, obviously, that kind of more ongoing management, because I will be gone for twelve months, is that I can brief my colleague, Dana, on everything we discussed today, especially if she's already dealing with Wendy, and then organize I think so too as much as much as I would love to do it for both of you given the time, to wanna make sure that I'm here, obviously, to see everything through is that I will chat to Dana who's absolutely lovely. I will go through everything we discussed today as long as you're happy for me to convey that, and then I will get the team through reach out.\n\nDo you know a time where you guys are both free, or would you have to speak to Wendy? Because I can get it booked in now with Dana for the two of you if you know Wendy's calendar. But it would trigger one. Yeah. Mhmm.\n\nYep. Yep. Mhmm. Okay. Let me have a look here.\n\nSorry. Okay. Yeah. Now she can alright. So have a look.\n\nShe can do either next Thursday, July 9. She can do it at 05:30, but if that's too late, next Thursday, July 9 at five thirty. Too late? No. Oh, lovely.\n\nOh, lovely. Otherwise, the following week, she can do Thursday again. Okay. If you could do 04:30, if that would be when Wendy will be home. Yes.\n\nOr I could do 04:00. Four o'clock? Okay. How about I put that tentatively in, which is Thursday, July 16 at 4PM? And if it is that you guys can't make it, just just let us know, and we can always get it rescheduled.\n\nOkay? But at least there's something locked in even if we call you guys and you go, oh, actually, Wendy's not home. I'm still, you know, at work. I can't make it. Then we can kind of book in another appointment.\n\nBut at least you have something kind of locked in and and scheduled so we can kind of get working on everything together. And that also gives me a lot of time with Dana on what we discussed today to kind of go through before that catch up as well. 04:00 would be better, if that's okay. Yeah. Just because she has another one.\n\nOkay. Okay. Yes. Correct. Correct.\n\nYeah. Yes, Diana. Yes. And we went very close. You know?\n\nYeah. Yeah. Great. Beautiful. Yes.\n\nFor sure. And, usually, that is something that we want to do as well. So if it is, and I want to do that as well. Like, if I'm working with one partner, I would like to deal with the other one as well so that we can work together, and I know Dana is exactly the same. And she's absolutely lovely, and you will be in very capable hands.\n\nAnd then you can work on stuff together. Yes. It's the first one. Sorry. Very exciting.\n\nWe're full on, but","paragraphs":[{"sentences":[{"text":"Hello, you said Matthew?","start":1.12,"end":2.34,"sentiment":"neutral","sentiment_score":0.0024932497180998325},{"text":"Yeah.","start":4.0,"end":4.24,"sentiment":"neutral","sentiment_score":-0.058166615664958954},{"text":"I don't know what happened there.","start":4.24,"end":5.92,"sentiment":"neutral","sentiment_score":-0.2959174911181132},{"text":"It was my phone or your phone that disconnected.","start":5.92,"end":8.82,"sentiment":"neutral","sentiment_score":-0.26298804415596855},{"text":"You can hear me okay, though?","start":10.639999,"end":12.015,"sentiment":"neutral","sentiment_score":0.002326131487886111}],"sentiment":"neutral","sentiment_score":-0.16063977584529382,"num_words":26,"start":1.12,"end":12.015},{"sentences":[{"text":"Yeah.","start":14.015,"end":14.515,"sentiment":"neutral","sentiment_score":0.15266817808151245},{"text":"Now I don't know if you if you did hear it, but I was saying in regards to your superannuation and insurances.","start":14.975,"end":21.795,"sentiment":"neutral","sentiment_score":-0.019127456820569932},{"text":"So for your superannuation because insurances and superannuation does not automatically form part of the estate.","start":22.815,"end":29.4,"sentiment":"neutral","sentiment_score":0.018478806712664664},{"text":"So you can make separate nominations for it.","start":29.78,"end":33.08,"sentiment":"neutral","sentiment_score":0.12422069534659386},{"text":"So for your superannuation, I have Wendy nominated.","start":33.22,"end":36.36,"sentiment":"positive","sentiment_score":0.3761075288057327}],"sentiment":"neutral","sentiment_score":0.0732754696118222,"num_words":55,"start":14.015,"end":36.36},{"sentences":[{"text":"You're still happy with that?","start":36.66,"end":38.2,"sentiment":"positive","sentiment_score":0.4333649635314941},{"text":"Yep.","start":38.685,"end":38.925,"sentiment":"neutral","sentiment_score":0.09018142521381378},{"text":"Perfect.","start":38.925,"end":39.425,"sentiment":"positive","sentiment_score":0.46250367164611816},{"text":"We don't actually have a nomination for your insurances, though.","start":40.364998,"end":43.985,"sentiment":"neutral","sentiment_score":-0.1514209285378456},{"text":"So we're going yeah.","start":45.005,"end":46.545,"sentiment":"neutral","sentiment_score":-0.02585978666320443}],"sentiment":"neutral","sentiment_score":0.05246959440410137,"num_words":21,"start":36.66,"end":46.545},{"sentences":[{"text":"Did you send it by post or email?","start":50.7,"end":52.879997,"sentiment":"neutral","sentiment_score":-0.10936137940734625},{"text":"Do you remember?","start":52.94,"end":53.68,"sentiment":"neutral","sentiment_score":-0.08763056993484497},{"text":"Because, yeah, normally, it would be, like, you just send it back to us, and then we would action that for you.","start":68.555,"end":74.255,"sentiment":"neutral","sentiment_score":0.016602191566066307},{"text":"Sometimes that's frustrating for you.","start":74.955,"end":78.49,"sentiment":"neutral","sentiment_score":-0.1459603939205408},{"text":"Do do you do you remember was that with the return envelope you send it?","start":78.49,"end":85.15,"sentiment":"neutral","sentiment_score":-0.02405166861911615}],"sentiment":"neutral","sentiment_score":-0.035153047726401744,"num_words":53,"start":50.7,"end":85.15},{"sentences":[{"text":"Okay.","start":86.97,"end":87.47,"sentiment":"neutral","sentiment_score":0.015171551145613194},{"text":"I will triple check the system to make sure.","start":87.770004,"end":92.275,"sentiment":"neutral","sentiment_score":0.008378940117028024},{"text":"But if not, do you have access to a printer by any chance?","start":92.275,"end":96.855,"sentiment":"neutral","sentiment_score":-0.03457268212850277},{"text":"Okay.","start":100.115,"end":100.615,"sentiment":"neutral","sentiment_score":0.06442984193563461},{"text":"Okay.","start":105.49,"end":105.99,"sentiment":"neutral","sentiment_score":0.053968898952007294}],"sentiment":"neutral","sentiment_score":-0.009618564583361149,"num_words":25,"start":86.97,"end":105.99},{"sentences":[{"text":"Because what I can do otherwise, especially if it is, like, you've if you've already completed it and send it back and then just never came back to us, that's obviously a bit frustrating for you and never know.","start":107.09,"end":116.69,"sentiment":"negative","sentiment_score":-0.49843106361535877},{"text":"Sometimes with our folks that what we could do instead so that you don't have to complete it again is that I can get the team to email it through you.","start":116.69,"end":126.525,"sentiment":"neutral","sentiment_score":0.11382300911411163},{"text":"Because you are making a legal nomination, it just have to be printed and website.","start":126.825,"end":131.08499,"sentiment":"neutral","sentiment_score":0.22209753195444742},{"text":"And then if you just scan it and email it back, then we know for sure that it's come back to us.","start":131.87,"end":138.12999,"sentiment":"neutral","sentiment_score":0.3005629805001346},{"text":"Okay.","start":141.31,"end":141.81,"sentiment":"neutral","sentiment_score":0.08332207053899765}],"sentiment":"neutral","sentiment_score":-0.054473403496322806,"num_words":108,"start":107.09,"end":141.81},{"sentences":[{"text":"Mhmm.","start":142.75,"end":143.25,"sentiment":"neutral","sentiment_score":0.022744718939065933},{"text":"Okay.","start":146.525,"end":147.025,"sentiment":"neutral","sentiment_score":0.06019655615091324},{"text":"You should have reached us by now, especially because you guys are in Queensland as well.","start":150.045,"end":156.86499,"sentiment":"neutral","sentiment_score":0.13734827563166618},{"text":"So it's not like you're over in WA or something and the post is a little bit slower.","start":157.61,"end":161.37,"sentiment":"neutral","sentiment_score":-0.12944164354768065},{"text":"But I will go and check with the the admin team to see if they've received the recent one and see where that was at.","start":161.37,"end":170.01001,"sentiment":"neutral","sentiment_score":0.11310838490724563}],"sentiment":"neutral","sentiment_score":0.04554547088556602,"num_words":61,"start":142.75,"end":170.01001},{"sentences":[{"text":"And that was for your AAA insurances hub 24 because the hub 24 is definitely in place.","start":170.01001,"end":175.795,"sentiment":"neutral","sentiment_score":0.10508263023460612},{"text":"Do you remember if you did two forms?","start":176.095,"end":177.955,"sentiment":"neutral","sentiment_score":0.022457031067460775},{"text":"Yes.","start":182.57501,"end":182.895,"sentiment":"neutral","sentiment_score":0.1231011152267456},{"text":"That's correct.","start":182.895,"end":183.695,"sentiment":"neutral","sentiment_score":0.12284794077277184},{"text":"Yeah.","start":183.695,"end":184.17,"sentiment":"neutral","sentiment_score":0.03925376385450363}],"sentiment":"neutral","sentiment_score":0.08186592148809597,"num_words":29,"start":170.01001,"end":184.17},{"sentences":[{"text":"Okay.","start":191.53,"end":192.03,"sentiment":"neutral","sentiment_score":-0.016774242743849754},{"text":"Okay.","start":193.13,"end":193.63,"sentiment":"neutral","sentiment_score":-0.09958214312791824},{"text":"Because, usually, just to make it streamlined and easier, we say like, on the return envelope, it has our address, so it just automatically sends it back to us so that we can make sure it's all, you know, put in place correctly.","start":195.05,"end":209.075,"sentiment":"neutral","sentiment_score":0.27185417087965236},{"text":"But I will check with the team.","start":209.535,"end":211.295,"sentiment":"neutral","sentiment_score":0.15896436997822352},{"text":"And if it is that it hasn't arrived, then when we catch up in a few weeks, I will let you know.","start":211.295,"end":218.75,"sentiment":"neutral","sentiment_score":0.16027383878827095}],"sentiment":"neutral","sentiment_score":0.21908308115057848,"num_words":74,"start":191.53,"end":218.75},{"sentences":[{"text":"And then that way, we can see if we can get you another form to make sure we get that sorted because we wanna make sure we have that in place for your insurances as well.","start":218.97,"end":227.085,"sentiment":"neutral","sentiment_score":0.170656214778622},{"text":"Yep.","start":228.845,"end":229.085,"sentiment":"neutral","sentiment_score":0.2960333824157715},{"text":"Alright.","start":229.085,"end":229.585,"sentiment":"positive","sentiment_score":0.5404534339904785},{"text":"Perfect.","start":229.645,"end":230.145,"sentiment":"positive","sentiment_score":0.7488065958023071},{"text":"Now I'll kind of skip over goals and stuff for now given we are catching up with Wendy as well, and we can work on it together.","start":232.205,"end":239.02501,"sentiment":"positive","sentiment_score":0.39437594181961483}],"sentiment":"neutral","sentiment_score":0.27844041777831136,"num_words":66,"start":218.97,"end":239.02501},{"sentences":[{"text":"Before your otherwise, when it comes to how your money is invested into preannuation, which can be very individual, is that I'll just go through a couple of multiple choice questions with you there, Matthew, just to see how you feel about your level of risk and market fluctuation.","start":241.25,"end":259.505,"sentiment":"neutral","sentiment_score":0.00905165068653165},{"text":"Now there's no right or wrong answer.","start":260.365,"end":262.54498,"sentiment":"neutral","sentiment_score":-0.1421826971428735},{"text":"Yes.","start":266.76498,"end":267.24,"sentiment":"neutral","sentiment_score":0.035055674612522125},{"text":"Yes.","start":277.88,"end":278.38,"sentiment":"neutral","sentiment_score":0.027028249576687813},{"text":"100 percent.","start":280.535,"end":281.435,"sentiment":"neutral","sentiment_score":0.04108261410146952}],"sentiment":"neutral","sentiment_score":-0.006791647399465243,"num_words":60,"start":241.25,"end":281.435},{"sentences":[{"text":"100 100%.","start":281.815,"end":283.095,"sentiment":"neutral","sentiment_score":0.08530803956091404},{"text":"So even if you tell me, yeah, you you feel like you are comfortable with the level of risk when we do get together, if you say, no.","start":283.095,"end":292.78003,"sentiment":"neutral","sentiment_score":0.002306584667946611},{"text":"Actually, I'm more defensive or do you know what?","start":292.78003,"end":296.06003,"sentiment":"neutral","sentiment_score":-0.06449230098062092},{"text":"I'm more comfortable with the risk, because that could also play a role with however her investments are invested.","start":296.06003,"end":302.38,"sentiment":"neutral","sentiment_score":0.011899529515128387},{"text":"If that's a different risk profile, that can also play a role into it if it's if it's a little bit different.","start":302.38,"end":309.935,"sentiment":"neutral","sentiment_score":-0.03303767871958288}],"sentiment":"neutral","sentiment_score":-0.010574601625557989,"num_words":80,"start":281.815,"end":309.935},{"sentences":[{"text":"Okay.","start":313.355,"end":313.855,"sentiment":"neutral","sentiment_score":-0.03669603914022446},{"text":"Yeah.","start":317.67502,"end":318.17502,"sentiment":"neutral","sentiment_score":0.016493815928697586},{"text":"Now, basically, have you ever bought direct shares on the stock market yourself?","start":319.595,"end":324.75998,"sentiment":"neutral","sentiment_score":-0.006012035390505424},{"text":"Like, shares or nope.","start":329.3,"end":331.0,"sentiment":"neutral","sentiment_score":-0.09031162597239017},{"text":"No.","start":335.155,"end":335.475,"sentiment":"neutral","sentiment_score":-0.06415365636348724}],"sentiment":"neutral","sentiment_score":-0.026187942177057267,"num_words":20,"start":313.355,"end":335.475},{"sentences":[{"text":"Okay.","start":335.475,"end":335.975,"sentiment":"neutral","sentiment_score":0.018331261351704597},{"text":"Yes.","start":337.715,"end":338.215,"sentiment":"neutral","sentiment_score":0.1445985734462738},{"text":"Perfect.","start":338.835,"end":339.335,"sentiment":"neutral","sentiment_score":0.04796644300222397},{"text":"Now when it comes to the level of risk that you are comfortable with for your superannuation, So just hypothetically speaking, would you say that you are comfortable with very high risk, high moderate, or a very small moderate?","start":340.835,"end":361.905,"sentiment":"neutral","sentiment_score":-0.07981929039725891},{"text":"Yep.","start":361.905,"end":362.225,"sentiment":"neutral","sentiment_score":0.21288490295410156}],"sentiment":"neutral","sentiment_score":-0.06253886383113473,"num_words":43,"start":335.475,"end":362.225},{"sentences":[{"text":"Perfect.","start":362.225,"end":362.625,"sentiment":"positive","sentiment_score":0.5582603216171265},{"text":"That's what we had last time as well.","start":362.625,"end":364.565,"sentiment":"positive","sentiment_score":0.3508992586284876},{"text":"And if you ever saw big market fluctuations, would you say that if at the time of investing, if things were down, would you want to take advantage of that by buying more while the prices are down, or would you kind of hold and wait to see what happens?","start":365.26498,"end":385.40997,"sentiment":"neutral","sentiment_score":-0.017024542316794396},{"text":"Mhmm.","start":391.745,"end":392.245,"sentiment":"neutral","sentiment_score":0.04506910592317581},{"text":"So potentially invest a little bit, obviously, depending on the situation and the investments and stuff.","start":392.30502,"end":397.58502,"sentiment":"neutral","sentiment_score":0.08096598903648555}],"sentiment":"neutral","sentiment_score":0.05072042375410858,"num_words":76,"start":362.225,"end":397.58502},{"sentences":[{"text":"Yep.","start":397.58502,"end":398.065,"sentiment":"neutral","sentiment_score":0.2644004821777344},{"text":"Perfect.","start":398.065,"end":398.565,"sentiment":"positive","sentiment_score":0.57567298412323},{"text":"And if you ever saw any fluctuations in any assets, so any of your the personal shares that you had before or superannuation, if you saw that it was down, would you feel optimistic about potential investment opportunities in the future as a result?","start":399.81,"end":419.015,"sentiment":"neutral","sentiment_score":0.2915729743174531},{"text":"Would you be kind of kind of a little bit cautious?","start":419.95502,"end":422.695,"sentiment":"neutral","sentiment_score":-0.18249149214137683},{"text":"You do not wanna put any more in, or would you say you'd be concerned or highly anxious?","start":422.835,"end":428.26,"sentiment":"neutral","sentiment_score":-0.26722897754775154}],"sentiment":"neutral","sentiment_score":0.09135675102472306,"num_words":75,"start":397.58502,"end":428.26},{"sentences":[{"text":"A bit more cautious.","start":432.4,"end":433.38,"sentiment":"neutral","sentiment_score":-0.15691842511296272},{"text":"Yep.","start":433.68,"end":434.16,"sentiment":"neutral","sentiment_score":0.1180267259478569},{"text":"Perfect.","start":434.16,"end":434.66,"sentiment":"positive","sentiment_score":0.3580182194709778},{"text":"And last one is, would you ever consider taking out a loan to invest in stocks or funds?","start":436.08002,"end":443.715,"sentiment":"neutral","sentiment_score":0.10812151701086098},{"text":"Yeah.","start":452.66998,"end":453.16998,"sentiment":"neutral","sentiment_score":0.014464309439063072}],"sentiment":"neutral","sentiment_score":0.07236091442406177,"num_words":25,"start":432.4,"end":453.16998},{"sentences":[{"text":"Yep.","start":454.03,"end":454.50998,"sentiment":"neutral","sentiment_score":0.05459185689687729},{"text":"Yep.","start":454.50998,"end":455.00998,"sentiment":"neutral","sentiment_score":0.07154364883899689},{"text":"Yep.","start":460.50998,"end":461.00998,"sentiment":"neutral","sentiment_score":0.03528225049376488},{"text":"Yes.","start":464.685,"end":465.185,"sentiment":"neutral","sentiment_score":0.04042350500822067},{"text":"No.","start":465.48502,"end":465.725,"sentiment":"neutral","sentiment_score":-0.08518373221158981}],"sentiment":"neutral","sentiment_score":0.023331505805253984,"num_words":5,"start":454.03,"end":465.725},{"sentences":[{"text":"Perfect.","start":465.725,"end":466.225,"sentiment":"neutral","sentiment_score":0.28166788816452026},{"text":"Now, Matthew, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested in.","start":467.965,"end":477.665,"sentiment":"neutral","sentiment_score":0.20777694910764694},{"text":"Yeah.","start":481.05002,"end":481.21002,"sentiment":"neutral","sentiment_score":-0.08941564708948135},{"text":"But it's also good because it means that it's like your your kind of how you feel about fluctuations even with, like, the last twelve months, obviously, seeing a bit of fluctuations in the market, which I'm sure you've heard on the news with everything that's happened in the last twelve months.","start":481.21002,"end":495.135,"sentiment":"neutral","sentiment_score":0.27106781060305923},{"text":"First, obviously, Trump and tariffs and everything and, obviously, more recently, the war.","start":495.135,"end":499.075,"sentiment":"neutral","sentiment_score":-0.04887886488666901}],"sentiment":"neutral","sentiment_score":0.20485627039781082,"num_words":92,"start":465.725,"end":499.075},{"sentences":[{"text":"It also means that you kind of understand that there will be some ups and downs and market fluctuations, and that, obviously, it makes you a little bit cautious.","start":499.215,"end":509.16998,"sentiment":"neutral","sentiment_score":-0.023142969043090426},{"text":"You're not someone to just jump in and take a lot of risk, but you also kind of understand that, you know, there will be some level of full term fluctuation in order to making sure that we continue to grow your superannuation.","start":509.63,"end":521.535,"sentiment":"neutral","sentiment_score":0.046165347330781176},{"text":"Now what we also factor in when it comes to the risk profile is making sure that you have enough time in the market for those fluctuations.","start":525.435,"end":533.695,"sentiment":"neutral","sentiment_score":0.006178470121489631},{"text":"So, typically speaking, in a growth portfolio, we want to allow a minimum of six years until retirement just to make sure you have enough time.","start":534.55005,"end":546.55005,"sentiment":"neutral","sentiment_score":0.0009616802518184369},{"text":"So if you are planning around that sixty four, then you do have that six years behind you if something, you know, fluctuations in the market.","start":546.55005,"end":560.255,"sentiment":"neutral","sentiment_score":-0.04866735794796394}],"sentiment":"neutral","sentiment_score":0.001592284146717916,"num_words":151,"start":499.215,"end":560.255},{"sentences":[{"text":"So from a time frame point of view and the answers, a growth seems to be suitable as long as at least for for right now, you are comfortable with the level of risk that you are currently in.","start":560.255,"end":571.62,"sentiment":"neutral","sentiment_score":0.024996873182363998},{"text":"Yep.","start":573.44,"end":573.94,"sentiment":"neutral","sentiment_score":0.044888079166412354},{"text":"Okay.","start":574.24,"end":574.665,"sentiment":"neutral","sentiment_score":0.05130522325634957},{"text":"Now, Matthew, do you have access to your emails at the moment or not really?","start":574.90497,"end":581.40497,"sentiment":"neutral","sentiment_score":0.021227606448034446},{"text":"Yeah?","start":581.625,"end":582.105,"sentiment":"neutral","sentiment_score":0.026858745142817497}],"sentiment":"neutral","sentiment_score":0.024848143831548982,"num_words":57,"start":560.255,"end":582.105},{"sentences":[{"text":"Okay.","start":582.105,"end":582.605,"sentiment":"neutral","sentiment_score":0.053788624703884125},{"text":"So what I have done is I have sent you an email with some documents to run through quickly, which shows where your super balance is at and also your insurances and performance and everything.","start":583.14496,"end":595.42004,"sentiment":"neutral","sentiment_score":0.1498765732560839},{"text":"Now we have just Oh, perfect.","start":611.575,"end":613.915,"sentiment":"neutral","sentiment_score":0.21348781262834868},{"text":"Yep.","start":614.375,"end":614.79,"sentiment":"neutral","sentiment_score":0.25491875410079956},{"text":"So if you can open that one now, it will say, I think, sign now.","start":615.02997,"end":619.29,"sentiment":"neutral","sentiment_score":0.1990896592537562}],"sentiment":"neutral","sentiment_score":0.16933895185075956,"num_words":58,"start":582.105,"end":619.29},{"sentences":[{"text":"The but it will still allow you to open up and view everything before it gets you to to sign anything just to make sure you are happy first.","start":620.23,"end":629.13,"sentiment":"neutral","sentiment_score":0.31360550584464236},{"text":"Now when you open it up, it should show you your super and insurance summary first.","start":630.335,"end":637.79504,"sentiment":"neutral","sentiment_score":0.2583564082160592},{"text":"Let me know if you can see that.","start":639.53503,"end":641.315,"sentiment":"neutral","sentiment_score":0.15085436822846532},{"text":"Yeah.","start":646.99005,"end":647.39,"sentiment":"positive","sentiment_score":0.7181919813156128},{"text":"Beautiful.","start":647.39,"end":647.89,"sentiment":"positive","sentiment_score":0.7990759611129761}],"sentiment":"neutral","sentiment_score":0.2900430016219616,"num_words":55,"start":620.23,"end":647.89},{"sentences":[{"text":"So you can see here that you have your superannuation with hub twenty four, and you do have $284,737 in there.","start":648.11005,"end":662.485,"sentiment":"positive","sentiment_score":0.346722872484298},{"text":"Now you also have some insurances underneath that.","start":664.14496,"end":669.53,"sentiment":"neutral","sentiment_score":0.121080850251019},{"text":"So you have your insurances with AIA.","start":669.53,"end":672.43,"sentiment":"neutral","sentiment_score":0.1192014313169888},{"text":"Now, actually, before I do go into that, I can see on your account so that would be a conversation for the two of you if you are happy with that.","start":673.85004,"end":682.01,"sentiment":"neutral","sentiment_score":0.24321865314437496},{"text":"But Hub twenty four, which is where you have your super, they allow for something that's called family linking.","start":682.01,"end":689.595,"sentiment":"neutral","sentiment_score":0.1456970278369753}],"sentiment":"neutral","sentiment_score":0.22549138278808706,"num_words":86,"start":648.11005,"end":689.595},{"sentences":[{"text":"So what you can do is you can actually link your super accounts kind of in in in the back end.","start":690.375,"end":698.34,"sentiment":"neutral","sentiment_score":0.18381049732367197},{"text":"And what that allows you to do is you can have either side over each other's superannuation if you want to just as, like, a viewing so that you can look at everything together.","start":698.9,"end":708.36005,"sentiment":"neutral","sentiment_score":0.14897028751233043},{"text":"But what it also does is it depending on how much you guys have jointly, it it reduces the admin fee a little bit.","start":709.62006,"end":718.225,"sentiment":"neutral","sentiment_score":0.26643559088309604},{"text":"So it does make it cheaper.","start":718.225,"end":719.665,"sentiment":"positive","sentiment_score":0.45567359030246735},{"text":"So instead of the admin fee, because it's usually calculated based on your balance, if you have the two together, they calculate it as if that's your super balance, and you do get a discount with a higher balance.","start":719.665,"end":732.23,"sentiment":"neutral","sentiment_score":0.3052482979419904}],"sentiment":"neutral","sentiment_score":0.2415983029190571,"num_words":124,"start":690.375,"end":732.23},{"sentences":[{"text":"So that is something we can look at.","start":732.69,"end":734.21,"sentiment":"neutral","sentiment_score":0.2591762039810419},{"text":"So if there's any way we can, obviously, reduce that fee for you at any means, even just like a platform fee, then that is good.","start":734.21,"end":741.265,"sentiment":"positive","sentiment_score":0.3683083343964357},{"text":"As long as you both are comfortable seeing each other's accounts, then that is something we can organize for you guys as well.","start":741.265,"end":748.48505,"sentiment":"positive","sentiment_score":0.358754461226256},{"text":"Does that make sense?","start":749.74506,"end":750.80505,"sentiment":"neutral","sentiment_score":0.17431596294045448},{"text":"Yep.","start":752.24,"end":752.74,"sentiment":"neutral","sentiment_score":0.13078255951404572}],"sentiment":"positive","sentiment_score":0.33433589267153896,"num_words":62,"start":732.69,"end":752.74},{"sentences":[{"text":"Would you be comfortable with that?","start":752.8,"end":754.42,"sentiment":"neutral","sentiment_score":0.14711608489354452},{"text":"Yes.","start":771.695,"end":772.195,"sentiment":"neutral","sentiment_score":0.12079980969429016},{"text":"Yeah.","start":780.19,"end":780.59,"sentiment":"neutral","sentiment_score":0.07210242748260498},{"text":"Yes.","start":780.59,"end":781.09,"sentiment":"neutral","sentiment_score":0.1284390091896057},{"text":"We can chat about it together and see.","start":782.59,"end":785.63,"sentiment":"neutral","sentiment_score":-0.009194520302116871}],"sentiment":"neutral","sentiment_score":0.06649891725357841,"num_words":17,"start":752.8,"end":785.63},{"sentences":[{"text":"And, yeah, sometimes couples find it easy because it's like, if you log in to your account, there's a drop down where you could check her account.","start":785.63,"end":793.765,"sentiment":"neutral","sentiment_score":0.20936280544157382},{"text":"Or is that something that she's, like you say, look a lot more and a bit more proactive, then she can also look and view at yours so then you guys can both see.","start":794.145,"end":803.60504,"sentiment":"neutral","sentiment_score":0.1231148201314842},{"text":"Yeah.","start":809.63995,"end":810.13995,"sentiment":"neutral","sentiment_score":0.027086937800049785},{"text":"And it's just like a viewing.","start":811.31995,"end":812.51996,"sentiment":"neutral","sentiment_score":-0.04033434856683016},{"text":"She wouldn't be able to do anything without your permission, but it's looking at it.","start":812.51996,"end":817.57996,"sentiment":"neutral","sentiment_score":-0.03817833587527275}],"sentiment":"neutral","sentiment_score":0.10904946312846908,"num_words":83,"start":785.63,"end":817.57996},{"sentences":[{"text":"But we can I'll just put a little note, and we can chat about that next time.","start":820.02496,"end":824.105,"sentiment":"neutral","sentiment_score":0.10936887386967153},{"text":"Because, yeah, if there's a way that we can reduce administration fees, we'd have 24, then that's just the bonus.","start":824.105,"end":830.845,"sentiment":"neutral","sentiment_score":0.20455788709223272},{"text":"But with your insurances, though, so you have life and total permanent disability insurance.","start":833.3,"end":839.39996,"sentiment":"neutral","sentiment_score":-0.03531259750681264},{"text":"Now that is paying $481,572.","start":839.93994,"end":845.56,"sentiment":"neutral","sentiment_score":-0.06746077984571457},{"text":"If something were to happen to you and you were to pass away or if you were to become totally and permanently disabled.","start":845.765,"end":851.785,"sentiment":"neutral","sentiment_score":-0.1728559845815534}],"sentiment":"neutral","sentiment_score":0.014469122632017618,"num_words":79,"start":820.02496,"end":851.785},{"sentences":[{"text":"Now with that level yeah.","start":852.725,"end":854.90497,"sentiment":"neutral","sentiment_score":-0.11277587860822677},{"text":"They do have each each insurer have a different time frame, and it also depends on the product of when so every year, they update their product disclosure statement.","start":862.9,"end":873.945,"sentiment":"neutral","sentiment_score":-0.057206054442915426},{"text":"So it also depends on that.","start":874.085,"end":876.105,"sentiment":"neutral","sentiment_score":-0.016519346584876377},{"text":"Life insurance, though, tend to be around 85 to a 100.","start":876.485,"end":881.305,"sentiment":"neutral","sentiment_score":-0.06730009141293439},{"text":"Total permanent disabilities tend to be slightly different.","start":882.885,"end":886.66504,"sentiment":"neutral","sentiment_score":-0.12399243842810392}],"sentiment":"neutral","sentiment_score":-0.06871545024342456,"num_words":59,"start":852.725,"end":886.66504},{"sentences":[{"text":"It's sometimes between 60 and 70, and sometimes depending on the time frame, it could convert to a different type of definition, unless you decide to cancel it.","start":887.1,"end":899.12,"sentiment":"neutral","sentiment_score":-0.11784343980252743},{"text":"Yep.","start":908.405,"end":908.905,"sentiment":"neutral","sentiment_score":0.04142426699399948},{"text":"Yeah.","start":930.755,"end":931.075,"sentiment":"neutral","sentiment_score":0.11246298253536224},{"text":"So, basically, if you were to pass away tomorrow, you she would get 481,500 and 72 life plus your superannuation.","start":931.075,"end":939.76,"sentiment":"neutral","sentiment_score":0.03706354312598705},{"text":"Mhmm.","start":944.54004,"end":945.04004,"sentiment":"neutral","sentiment_score":-0.013288683257997036}],"sentiment":"neutral","sentiment_score":-0.04740680167999338,"num_words":51,"start":887.1,"end":945.04004},{"sentences":[{"text":"Correct.","start":949.74005,"end":950.24005,"sentiment":"neutral","sentiment_score":0.13816386461257937},{"text":"Sometimes there is indexation, which looks like your policy is, which means that every single year, it will increase slightly with inflation and stuff.","start":952.235,"end":961.13495,"sentiment":"neutral","sentiment_score":-0.007563352846773341},{"text":"And sometimes as well, it's, like, it's built in, and you can still reduce it whenever you want to.","start":965.41,"end":970.23,"sentiment":"neutral","sentiment_score":0.10454024198023897},{"text":"But it is built in as well, so if you accumulate more debt or or anything like that, you might need more cover.","start":970.61,"end":978.31,"sentiment":"neutral","sentiment_score":-0.06265563064295313},{"text":"Now often, it's more where you see depends on, obviously, your situation, but you have more kind of younger families or you have, obviously, financial dependents at home.","start":978.535,"end":990.875,"sentiment":"neutral","sentiment_score":-0.117983307157244}],"sentiment":"neutral","sentiment_score":-0.029491622223959943,"num_words":95,"start":949.74005,"end":990.875},{"sentences":[{"text":"So you still have, obviously, expenses.","start":991.25,"end":992.87,"sentiment":"neutral","sentiment_score":-0.1395268663764},{"text":"And with living costs continue to go up, you might you know, let's say ten years ago, 400 may have been okay, but equivalent today, that might be closer to, you know, 5 or 600,000 to cover the same amount of things.","start":993.17,"end":1008.38495,"sentiment":"neutral","sentiment_score":-0.07776100387369904},{"text":"So that's why it kind of continues to go up.","start":1008.845,"end":1011.26495,"sentiment":"neutral","sentiment_score":0.01719871275126934},{"text":"But, often, also, what's important is making sure it's still applicable for you.","start":1012.365,"end":1017.745,"sentiment":"neutral","sentiment_score":0.06067325002872027},{"text":"Because at the same time, every single year, so the older you get, it gets more and more expensive.","start":1018.14,"end":1023.60004,"sentiment":"neutral","sentiment_score":-0.21662899734158264}],"sentiment":"neutral","sentiment_score":-0.08064816591730858,"num_words":90,"start":991.25,"end":1023.60004},{"sentences":[{"text":"So at the same time, as you wanna have the cover in place, you also wanna make sure it doesn't get too expensive.","start":1024.06,"end":1029.1,"sentiment":"neutral","sentiment_score":-0.05026404187083244},{"text":"And if you don't need that much cover, you can reduce it to make it cheaper.","start":1029.1,"end":1033.5249,"sentiment":"neutral","sentiment_score":-0.13654292607679963},{"text":"But then, obviously, the trade off is, well, you have less if something were to happen.","start":1033.5249,"end":1039.705,"sentiment":"neutral","sentiment_score":-0.28683366160839796},{"text":"So with your life and pay payday, do you feel like that level of cover will meet what your goals and wishes are if something were to happen to you?","start":1040.565,"end":1052.2401,"sentiment":"neutral","sentiment_score":0.18850042124589284},{"text":"Tricky one.","start":1055.3401,"end":1056.2401,"sentiment":"neutral","sentiment_score":-0.0726062897592783}],"sentiment":"neutral","sentiment_score":-0.027819520783150333,"num_words":87,"start":1024.06,"end":1056.2401},{"sentences":[{"text":"Correct.","start":1060.3949,"end":1060.8949,"sentiment":"neutral","sentiment_score":0.16410087049007416},{"text":"Yeah.","start":1061.995,"end":1062.495,"sentiment":"neutral","sentiment_score":0.1750119775533676},{"text":"Copy copy for now?","start":1069.2749,"end":1070.335,"sentiment":"neutral","sentiment_score":0.11889353394508362},{"text":"Yes.","start":1070.875,"end":1071.21,"sentiment":"neutral","sentiment_score":0.31622833013534546},{"text":"Yes.","start":1071.5299,"end":1072.0299,"sentiment":"neutral","sentiment_score":0.29169386625289917}],"sentiment":"neutral","sentiment_score":0.1778261475265026,"num_words":8,"start":1060.3949,"end":1072.0299},{"sentences":[{"text":"Sorry.","start":1085.945,"end":1086.345,"sentiment":"neutral","sentiment_score":-0.1624203324317932},{"text":"The next document will show you that, actually.","start":1086.345,"end":1088.4249,"sentiment":"neutral","sentiment_score":-0.03516933415085077},{"text":"It will show you exactly what happened in the last twelve months so we can go through that.","start":1088.4249,"end":1094.205,"sentiment":"neutral","sentiment_score":0.00004021626793675962},{"text":"But with so, obviously, with your life and TPD, that would obviously come cover the the mortgage on the investment property.","start":1096.79,"end":1102.49,"sentiment":"neutral","sentiment_score":-0.03365494035893962},{"text":"So then if something happened, you wouldn't have to sell that, and it obviously leaves a little bit of extra to a state.","start":1102.63,"end":1108.065,"sentiment":"neutral","sentiment_score":-0.10079744077571061}],"sentiment":"neutral","sentiment_score":-0.04884712673513822,"num_words":71,"start":1085.945,"end":1108.065},{"sentences":[{"text":"Now the other one you have is your income protection.","start":1108.705,"end":1112.1649,"sentiment":"neutral","sentiment_score":0.00868154913187027},{"text":"So that will pay you a monthly amount if you are temporarily unable to work.","start":1112.865,"end":1119.365,"sentiment":"neutral","sentiment_score":0.010055743157863617},{"text":"Now you have a thirty day writing period and a five year benefit period on that.","start":1122.1799,"end":1128.6799,"sentiment":"neutral","sentiment_score":0.0998605890199542},{"text":"Are you still happy with your income protection?","start":1130.6599,"end":1133.7999,"sentiment":"neutral","sentiment_score":0.2080311570316553},{"text":"Yeah.","start":1142.465,"end":1142.965,"sentiment":"neutral","sentiment_score":-0.05399395525455475}],"sentiment":"neutral","sentiment_score":0.06891352728009224,"num_words":50,"start":1108.705,"end":1142.965},{"sentences":[{"text":"Mhmm.","start":1146.69,"end":1147.19,"sentiment":"neutral","sentiment_score":-0.07872553914785385},{"text":"Mhmm.","start":1152.7699,"end":1153.2699,"sentiment":"neutral","sentiment_score":-0.00023950356990098953},{"text":"Yep.","start":1157.8099,"end":1158.0499,"sentiment":"neutral","sentiment_score":0.05241382122039795},{"text":"You have five years.","start":1158.0499,"end":1159.905,"sentiment":"neutral","sentiment_score":0.04360687453299761},{"text":"So up to five years, you can get an income replacement.","start":1159.985,"end":1162.485,"sentiment":"neutral","sentiment_score":0.04344871284609491}],"sentiment":"neutral","sentiment_score":0.03476733988564876,"num_words":18,"start":1146.69,"end":1162.485},{"sentences":[{"text":"So so so with TPD, that is the hardest one to claim on because that is basically where you have to have two doctors to sign off on the fact that you can never go back to work again.","start":1180.4,"end":1192.785,"sentiment":"neutral","sentiment_score":-0.22928743255444062},{"text":"And that's going to be a lump sum payment payout.","start":1192.925,"end":1195.0851,"sentiment":"neutral","sentiment_score":-0.12966831400990486},{"text":"Now income protection is a little bit easier, but it's still proving that you are temporarily unable to work.","start":1195.0851,"end":1205.2799,"sentiment":"neutral","sentiment_score":-0.12800992044963336},{"text":"It doesn't have to be happening at work.","start":1205.6599,"end":1208.46,"sentiment":"neutral","sentiment_score":-0.1805954473093152},{"text":"It could be an illness or injury or anything that would mean that you cannot work for a while.","start":1208.46,"end":1215.995,"sentiment":"neutral","sentiment_score":-0.2512943901513752}],"sentiment":"neutral","sentiment_score":-0.19884672094332545,"num_words":95,"start":1180.4,"end":1215.995},{"sentences":[{"text":"You have to meet the definition on the waiting period, which means you have to wait that thirty days before the income replacement will start.","start":1216.455,"end":1225.515,"sentiment":"neutral","sentiment_score":-0.15366386950016023},{"text":"And, typically, every month, the doctor would do an assessment to check-in.","start":1226.25,"end":1231.63,"sentiment":"neutral","sentiment_score":-0.08328829860935609},{"text":"Are you still off work and how are things going?","start":1232.5701,"end":1235.4501,"sentiment":"neutral","sentiment_score":-0.12263009622693062},{"text":"And if you're still off work, then they'll kind of continue that payment, if that makes sense.","start":1235.4501,"end":1242.005,"sentiment":"neutral","sentiment_score":-0.13634560870773652},{"text":"Yes.","start":1248.225,"end":1248.725,"sentiment":"neutral","sentiment_score":0.001865295693278313}],"sentiment":"neutral","sentiment_score":-0.1289748820834435,"num_words":65,"start":1216.455,"end":1248.725},{"sentences":[{"text":"So on the document, which will be not the next one, the one after that, it has your AIA insurance in a bit more detail.","start":1248.7849,"end":1257.67,"sentiment":"neutral","sentiment_score":-0.015837457254528998},{"text":"So it breaks down everything.","start":1257.67,"end":1260.09,"sentiment":"neutral","sentiment_score":0.022008664906024933},{"text":"So even if you want to go and have a chat to, obviously, Wendy, see what you wanna do.","start":1260.23,"end":1265.67,"sentiment":"neutral","sentiment_score":0.16017673439101168},{"text":"And then when we get together, all of us see if you wanted to make a change or whether you're happy with it.","start":1265.67,"end":1272.285,"sentiment":"neutral","sentiment_score":0.22346860721059467},{"text":"Because it also factors in well, income protection is great if if you cannot meet your living expenses or anything like that with your income, and that will, you know, mean that you'd have to move or you can't do anything, then income protection becomes very important because, obviously, your income won't be there.","start":1272.285,"end":1292.14,"sentiment":"neutral","sentiment_score":-0.06390999809459404}],"sentiment":"neutral","sentiment_score":0.03528653107406128,"num_words":126,"start":1248.7849,"end":1292.14},{"sentences":[{"text":"But at the same time, if you guys are living quite comfortably and can, let's say, live financially on just Wendy's wage, for example, and you don't need your income, then that could be a different question.","start":1292.36,"end":1306.255,"sentiment":"neutral","sentiment_score":-0.07761223241686821},{"text":"Does that make sense?","start":1308.2351,"end":1309.295,"sentiment":"neutral","sentiment_score":0.06722929608076811},{"text":"Like, as in would you guys need need the income protection in place?","start":1313.46,"end":1319.06,"sentiment":"neutral","sentiment_score":-0.03478727461053775},{"text":"Because, obviously, you were paying for it.","start":1319.06,"end":1320.92,"sentiment":"neutral","sentiment_score":-0.0954432583280972},{"text":"Mhmm.","start":1322.915,"end":1323.415,"sentiment":"neutral","sentiment_score":-0.037174042314291}],"sentiment":"neutral","sentiment_score":-0.06064914251046796,"num_words":62,"start":1292.36,"end":1323.415},{"sentences":[{"text":"Yes.","start":1324.915,"end":1325.415,"sentiment":"neutral","sentiment_score":0.048176974058151245},{"text":"Yeah.","start":1325.795,"end":1326.295,"sentiment":"neutral","sentiment_score":0.021966440603137016},{"text":"Because those three are costing after a tax rebate about 5,507 per year.","start":1326.515,"end":1333.41,"sentiment":"neutral","sentiment_score":-0.0638686644916351},{"text":"Yeah.","start":1335.0901,"end":1335.5901,"sentiment":"neutral","sentiment_score":-0.17661121487617493},{"text":"Yeah.","start":1335.65,"end":1336.15,"sentiment":"neutral","sentiment_score":-0.19904735684394836}],"sentiment":"neutral","sentiment_score":-0.06681222326177008,"num_words":17,"start":1324.915,"end":1336.15},{"sentences":[{"text":"Exactly.","start":1337.9701,"end":1338.4701,"sentiment":"neutral","sentiment_score":-0.015337951481342316},{"text":"Because you yeah.","start":1338.53,"end":1341.27,"sentiment":"neutral","sentiment_score":-0.1721295416355133},{"text":"No.","start":1344.2101,"end":1344.7101,"sentiment":"neutral","sentiment_score":-0.2947770357131958},{"text":"And then you would hate to obviously, if something were to happen, it is yes.","start":1345.665,"end":1349.905,"sentiment":"neutral","sentiment_score":-0.23748373836278916},{"text":"It's 5,500, but that's per year.","start":1349.905,"end":1352.9451,"sentiment":"neutral","sentiment_score":-0.1174018643796444}],"sentiment":"neutral","sentiment_score":-0.19589118745464545,"num_words":26,"start":1337.9701,"end":1352.9451},{"sentences":[{"text":"You would get an income replacement of about 4,800 per month.","start":1352.9451,"end":1356.9651,"sentiment":"neutral","sentiment_score":-0.09255943108688701},{"text":"So if something were to happen, obviously, insurances is one of those things.","start":1357.265,"end":1362.64,"sentiment":"neutral","sentiment_score":-0.28148772051701176},{"text":"Like, you never want to be able to use it, but then you're paying for something you never used.","start":1362.64,"end":1366.98,"sentiment":"negative","sentiment_score":-0.37940681764954015},{"text":"But then the ramifications financially, if you don't have it in place, can be quite severe.","start":1367.28,"end":1372.1799,"sentiment":"negative","sentiment_score":-0.4445859892293811},{"text":"Yep.","start":1373.815,"end":1374.315,"sentiment":"neutral","sentiment_score":-0.04837596043944359}],"sentiment":"neutral","sentiment_score":-0.31746625720212857,"num_words":60,"start":1352.9451,"end":1374.315},{"sentences":[{"text":"So, yeah, have have a think about it.","start":1375.015,"end":1377.255,"sentiment":"neutral","sentiment_score":-0.027754942886531353},{"text":"And then when we catch up next time, if you wanna make any changes, if you wanna reduce any cover amount, if you wanna leave it, you just let me know.","start":1377.255,"end":1385.575,"sentiment":"neutral","sentiment_score":-0.023697180373053395},{"text":"Okay?","start":1385.575,"end":1386.075,"sentiment":"neutral","sentiment_score":-0.008312086574733257},{"text":"Yep.","start":1387.4,"end":1387.9,"sentiment":"neutral","sentiment_score":0.057794239372015},{"text":"Otherwise, when it comes to the super performance, so that should be your next report, which should say have a 24 performance report, performance with IRR.","start":1389.0,"end":1399.96,"sentiment":"neutral","sentiment_score":0.08515098426813403}],"sentiment":"neutral","sentiment_score":0.01950381506137105,"num_words":67,"start":1375.015,"end":1399.96},{"sentences":[{"text":"Does it say that at the top?","start":1399.96,"end":1401.345,"sentiment":"neutral","sentiment_score":-0.015774880668946674},{"text":"It would just be next.","start":1411.585,"end":1412.705,"sentiment":"neutral","sentiment_score":-0.01612007971853018},{"text":"I think if you press next, there should be another attachment after the super and assurance.","start":1412.705,"end":1417.0449,"sentiment":"neutral","sentiment_score":0.016809450287837535},{"text":"Yeah.","start":1427.83,"end":1428.15,"sentiment":"neutral","sentiment_score":0.018414070829749107},{"text":"Yes.","start":1428.15,"end":1428.65,"sentiment":"neutral","sentiment_score":0.028783109039068226}],"sentiment":"neutral","sentiment_score":0.004170794039964676,"num_words":30,"start":1399.96,"end":1428.65},{"sentences":[{"text":"Yeah.","start":1428.79,"end":1429.29,"sentiment":"neutral","sentiment_score":0.05936470255255699},{"text":"Perfect.","start":1431.0449,"end":1431.5449,"sentiment":"positive","sentiment_score":0.42521369457244873},{"text":"Now that one here shows your portfolio over the last twelve months.","start":1431.7649,"end":1436.745,"sentiment":"neutral","sentiment_score":0.17677863066395125},{"text":"So to answer your question, what was your future balance at the start of this period, so on the 07/02/2025.","start":1437.2849,"end":1447.08,"sentiment":"neutral","sentiment_score":0.0575041301548481},{"text":"It was at you can see on the so, basically, the second column says market value start of period.","start":1448.0199,"end":1455.72,"sentiment":"neutral","sentiment_score":0.04255267703219464}],"sentiment":"neutral","sentiment_score":0.08612274399624681,"num_words":53,"start":1428.79,"end":1455.72},{"sentences":[{"text":"At the bottom, it says total.","start":1456.26,"end":1458.0399,"sentiment":"neutral","sentiment_score":0.039339895049730934},{"text":"So that tells us it was $250,923.37.","start":1461.065,"end":1467.8049,"sentiment":"neutral","sentiment_score":0.04543879521744592},{"text":"Yep.","start":1469.385,"end":1469.885,"sentiment":"neutral","sentiment_score":0.05760030075907707},{"text":"For the last yes.","start":1473.37,"end":1474.67,"sentiment":"neutral","sentiment_score":0.05590358003973961},{"text":"Excellent question.","start":1474.73,"end":1475.6901,"sentiment":"positive","sentiment_score":0.3413655757904053}],"sentiment":"neutral","sentiment_score":0.07590283546596766,"num_words":20,"start":1456.26,"end":1475.6901},{"sentences":[{"text":"Now if you scroll through second page, page two out of two, it should show you just an overview of the total portfolio.","start":1475.6901,"end":1484.3501,"sentiment":"neutral","sentiment_score":0.16385020801554556},{"text":"Now this is all after fees as well.","start":1485.225,"end":1488.525,"sentiment":"neutral","sentiment_score":0.09042723011225462},{"text":"So if you look on the second column to the right where it says internal rate of return, that shows us how your investments alone did after fees.","start":1488.585,"end":1502.1799,"sentiment":"neutral","sentiment_score":0.13089179300836154},{"text":"So it was still up by 7.7%, which is pretty good given the market conditions we have had in the last twelve months.","start":1502.4,"end":1511.22,"sentiment":"positive","sentiment_score":0.34952448114104895},{"text":"We can definitely have a look at that together because then it's also what you are comfortable with.","start":1526.99,"end":1531.09,"sentiment":"positive","sentiment_score":0.3579281138049232}],"sentiment":"neutral","sentiment_score":0.2263871194422245,"num_words":100,"start":1475.6901,"end":1531.09},{"sentences":[{"text":"Because with that, I I won't be able, obviously, to disclose her for privacy while she's not on the phone.","start":1531.23,"end":1539.01,"sentiment":"neutral","sentiment_score":0.09329290483146906},{"text":"But, otherwise, you can some years, if you are if you are an aggressive portfolio, some years, depending on what you invest in, will be fantastic.","start":1539.915,"end":1548.8151,"sentiment":"positive","sentiment_score":0.3490346154341331},{"text":"Other years can be down quite a lot.","start":1549.5951,"end":1551.5951,"sentiment":"neutral","sentiment_score":-0.08726989384740591},{"text":"So you also then wanna make sure you are comfortable with that.","start":1551.5951,"end":1554.555,"sentiment":"neutral","sentiment_score":-0.016914195691545803},{"text":"So if when there are mark market turbulence, would you be comfortable with, let's say, one in every five years being a negative to offset that, or would that kind of make you a bit worried?","start":1554.555,"end":1565.49,"sentiment":"neutral","sentiment_score":-0.17700322117242548}],"sentiment":"neutral","sentiment_score":0.03595600624148752,"num_words":102,"start":1531.23,"end":1565.49},{"sentences":[{"text":"So that also comes into play, if that makes sense.","start":1565.71,"end":1570.5349,"sentiment":"neutral","sentiment_score":0.007749937474727631},{"text":"Yep.","start":1571.875,"end":1572.375,"sentiment":"neutral","sentiment_score":0.10372740030288696},{"text":"Correct.","start":1582.5299,"end":1583.0299,"sentiment":"neutral","sentiment_score":0.07674163579940796},{"text":"That's correct.","start":1587.89,"end":1588.71,"sentiment":"neutral","sentiment_score":0.054359665140509605},{"text":"Yeah.","start":1593.985,"end":1594.485,"sentiment":"neutral","sentiment_score":0.09066570550203323}],"sentiment":"neutral","sentiment_score":0.030490229775508245,"num_words":15,"start":1565.71,"end":1594.485},{"sentences":[{"text":"But what we should do anyway is have a look at the investments for you.","start":1595.345,"end":1599.825,"sentiment":"neutral","sentiment_score":0.151784377793471},{"text":"Because when you scroll up to page one, you can see that that what there is one investment that I wanna look at swapping for you, but we can do it all together because you have to go it in in the advice piece and put a strategy together, is your first one, and that is your Benelon Australian equity.","start":1599.825,"end":1617.4401,"sentiment":"neutral","sentiment_score":0.2149581741541624},{"text":"Now that one has underperformed in the last twelve months.","start":1618.14,"end":1621.815,"sentiment":"neutral","sentiment_score":0.18602392934262751},{"text":"And not always when an investment is down do we wanna sell and swap it if we foresee it coming back around because you don't wanna sell it when it's down if there's a chance of it bouncing back quickly.","start":1621.975,"end":1633.4349,"sentiment":"neutral","sentiment_score":-0.15902409572154283},{"text":"But at the same time, we wanna be proactive.","start":1633.94,"end":1636.52,"sentiment":"neutral","sentiment_score":0.12043246957990858}],"sentiment":"neutral","sentiment_score":0.08774196870847424,"num_words":134,"start":1595.345,"end":1636.52},{"sentences":[{"text":"And if we, you know, do all the research and feel like it's not going to be the best option moving forward and there are better alternative options that will put you in a better position, we wanna look at considering changing it.","start":1636.82,"end":1650.135,"sentiment":"neutral","sentiment_score":-0.17230576753269794},{"text":"So that one is one that I would like to look at changing out of your portfolio.","start":1650.435,"end":1655.015,"sentiment":"neutral","sentiment_score":0.015717644682701898},{"text":"The rest of your investments have done pretty good.","start":1655.795,"end":1658.135,"sentiment":"positive","sentiment_score":0.4562646779749129},{"text":"But that, again, could be something where if we have you and Wendy together, we can look at, okay.","start":1658.275,"end":1664.04,"sentiment":"neutral","sentiment_score":0.12830945967059387},{"text":"What does she have?","start":1664.18,"end":1665.2201,"sentiment":"neutral","sentiment_score":0.05630446597933769}],"sentiment":"neutral","sentiment_score":-0.004048568965948146,"num_words":92,"start":1636.82,"end":1665.2201},{"sentences":[{"text":"What do you have?","start":1665.2201,"end":1666.7401,"sentiment":"neutral","sentiment_score":0.029380876570940018},{"text":"What risk profile are you in?","start":1666.7401,"end":1668.18,"sentiment":"neutral","sentiment_score":0.02000710057715575},{"text":"What risk profile is she in?","start":1668.18,"end":1669.88,"sentiment":"neutral","sentiment_score":0.034790257612864174},{"text":"What are you both comfortable with?","start":1670.3401,"end":1672.18,"sentiment":"neutral","sentiment_score":0.050832229355971016},{"text":"And then kind of working on everything together, whether that is swapping a couple of yours or depending on what you are comfortable with to make sure you are both aligned.","start":1672.18,"end":1682.205,"sentiment":"neutral","sentiment_score":0.1796655695765249}],"sentiment":"neutral","sentiment_score":0.11926289978173543,"num_words":53,"start":1665.2201,"end":1682.205},{"sentences":[{"text":"But also trying to get you through, you know, so you can retire at 64 when she retires as well.","start":1682.505,"end":1687.59,"sentiment":"neutral","sentiment_score":0.13517711944878102},{"text":"Yep.","start":1689.51,"end":1690.01,"sentiment":"neutral","sentiment_score":0.05873302742838859},{"text":"A r t, Australian retirement address?","start":1699.59,"end":1701.61,"sentiment":"neutral","sentiment_score":0.014119689663251242},{"text":"Yes.","start":1703.065,"end":1703.565,"sentiment":"neutral","sentiment_score":0.016146808862686157},{"text":"Yep.","start":1704.6649,"end":1705.1649,"sentiment":"neutral","sentiment_score":-0.008865248411893845}],"sentiment":"neutral","sentiment_score":0.09842327982187271,"num_words":29,"start":1682.505,"end":1705.1649},{"sentences":[{"text":"Yeah.","start":1725.08,"end":1725.5599,"sentiment":"neutral","sentiment_score":-0.0227378997951746},{"text":"It depends on what you are often, it's like the fees can be a little bit cheaper, but the investment performance tend not to outperform the custom portfolio.","start":1725.5599,"end":1744.84,"sentiment":"neutral","sentiment_score":-0.028352703965668167},{"text":"But it's something we wanna continue to review because things are always changing, like you said.","start":1746.34,"end":1750.6799,"sentiment":"neutral","sentiment_score":0.042105807922780514},{"text":"So part of the process if we, you know, put together a joint strategy for the two of you is that I wanna look at your super funds as well, which is what we always do.","start":1750.82,"end":1760.735,"sentiment":"neutral","sentiment_score":0.10665645119216707},{"text":"Because just because Hub twenty four was the best option for you when you came on board and that investment portfolio does not mean it's always going to be the case, because things are always changing.","start":1761.0349,"end":1772.255,"sentiment":"neutral","sentiment_score":0.07669769782417764}],"sentiment":"neutral","sentiment_score":0.055195116927512944,"num_words":117,"start":1725.08,"end":1772.255},{"sentences":[{"text":"Yeah.","start":1777.57,"end":1778.07,"sentiment":"neutral","sentiment_score":0.06259186565876007},{"text":"Yeah.","start":1787.875,"end":1788.375,"sentiment":"neutral","sentiment_score":-0.008299050852656364},{"text":"Yeah.","start":1789.875,"end":1790.375,"sentiment":"neutral","sentiment_score":-0.033803824335336685},{"text":"Yeah.","start":1799.1699,"end":1799.6699,"sentiment":"neutral","sentiment_score":0.1589113175868988},{"text":"Yeah.","start":1803.1699,"end":1803.6699,"sentiment":"neutral","sentiment_score":-0.07341888546943665}],"sentiment":"neutral","sentiment_score":0.021196284517645835,"num_words":5,"start":1777.57,"end":1803.6699},{"sentences":[{"text":"And that will be part of the research that we would do as well.","start":1804.21,"end":1807.1699,"sentiment":"neutral","sentiment_score":0.05128686582403524},{"text":"Sorry.","start":1807.1699,"end":1807.49,"sentiment":"neutral","sentiment_score":-0.05132783204317093},{"text":"I'll always consider all super funds, but I can specifically look at the ART for you as well and look at a similar level of risk and then do a comparison.","start":1807.49,"end":1817.855,"sentiment":"neutral","sentiment_score":0.03191684625081478},{"text":"Because at the end of the day, we are not bound by hub 24, and we are bound as an adviser by the best interest you do, which is also making sure that whatever I recommend to you, the same will be for for when this adviser will put you in the best position.","start":1818.5549,"end":1831.38,"sentiment":"neutral","sentiment_score":0.15157288575062045},{"text":"And if we do research and we see, okay.","start":1831.4401,"end":1833.4401,"sentiment":"neutral","sentiment_score":0.03337727776832051}],"sentiment":"neutral","sentiment_score":0.09304075095153183,"num_words":109,"start":1804.21,"end":1833.4401},{"sentences":[{"text":"Well, I AARP is a lower risk, it's cheaper, and better performance, then that's what I will recommend.","start":1833.4401,"end":1840.7401,"sentiment":"neutral","sentiment_score":0.033020710210419364},{"text":"But if it's not performing as well and a lot more fluctuations of volatility and stuff like that, then I will not recommend it.","start":1841.315,"end":1849.635,"sentiment":"negative","sentiment_score":-0.4760548109188676},{"text":"So we're factoring everything along with capital gains tax and everything to then make a recommendation of what is going to be the best for you.","start":1849.635,"end":1858.98,"sentiment":"neutral","sentiment_score":-0.0874100998044014},{"text":"Yep.","start":1860.88,"end":1861.38,"sentiment":"neutral","sentiment_score":0.1773843765258789},{"text":"Does that make sense?","start":1861.6,"end":1862.74,"sentiment":"neutral","sentiment_score":0.18440060317516327}],"sentiment":"neutral","sentiment_score":-0.16696737649250928,"num_words":73,"start":1833.4401,"end":1862.74},{"sentences":[{"text":"Yeah.","start":1863.9199,"end":1864.4199,"sentiment":"neutral","sentiment_score":0.20939525961875916},{"text":"Perfect.","start":1864.64,"end":1865.14,"sentiment":"neutral","sentiment_score":0.09621240943670271},{"text":"But, otherwise, HUB twenty four and the platform is very competitive.","start":1866.0,"end":1869.38,"sentiment":"positive","sentiment_score":0.3638504282994704},{"text":"Now I personally use HUB twenty four for my superannuation as 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well.","start":1887.0,"end":1899.6951,"sentiment":"positive","sentiment_score":0.34663844676244826},{"text":"Yep.","start":1901.035,"end":1901.535,"sentiment":"neutral","sentiment_score":0.2278837412595749},{"text":"Perfect.","start":1902.0751,"end":1902.5751,"sentiment":"positive","sentiment_score":0.4420021176338196},{"text":"Now not much to go, but the next document, if you press next, what is that one?","start":1902.795,"end":1908.875,"sentiment":"neutral","sentiment_score":0.06680170074105263},{"text":"It's either your AIA insurances or the Vanguard chart.","start":1908.875,"end":1912.255,"sentiment":"neutral","sentiment_score":0.044059413174788155}],"sentiment":"neutral","sentiment_score":0.23944091791553157,"num_words":70,"start":1887.0,"end":1912.255},{"sentences":[{"text":"Yep.","start":1914.82,"end":1915.32,"sentiment":"neutral","sentiment_score":0.09222831577062608},{"text":"So you probably have seen this one before, but it is a good visual representation of what we are talking about when we're kind of talking about market fluctuations.","start":1915.46,"end":1925.64,"sentiment":"neutral","sentiment_score":0.16986530479686013},{"text":"So you can basically see here, it goes back from 1995 through to 2025.","start":1926.585,"end":1932.9249,"sentiment":"neutral","sentiment_score":0.110305162944964},{"text":"Now it does break down the different asset classes as well.","start":1933.3049,"end":1937.5449,"sentiment":"neutral","sentiment_score":0.12667119299823587},{"text":"So you can basically see that over the long term, market always goes up.","start":1937.5449,"end":1942.08,"sentiment":"neutral","sentiment_score":0.13690290121095522}],"sentiment":"neutral","sentiment_score":0.1430814228412034,"num_words":69,"start":1914.82,"end":1942.08},{"sentences":[{"text":"The short term, there will be some ups and downs and market fluctuations depending on what is going on in the world.","start":1942.32,"end":1948.8999,"sentiment":"neutral","sentiment_score":-0.0006153847683559764},{"text":"Now you can see your growth investments.","start":1949.6,"end":1952.34,"sentiment":"neutral","sentiment_score":0.06520008987614087},{"text":"So in a growth portfolio, we typically have about 80% in base.","start":1953.44,"end":1957.46,"sentiment":"neutral","sentiment_score":0.10911913712819417},{"text":"That is your top four together.","start":1957.905,"end":1959.925,"sentiment":"neutral","sentiment_score":0.14761709670225778},{"text":"So you'll have your US shares, which you can see have grown the most, also fluctuate the most, though.","start":1960.0651,"end":1966.0851,"sentiment":"neutral","sentiment_score":0.11572151415442165}],"sentiment":"neutral","sentiment_score":0.07328338119568246,"num_words":66,"start":1942.32,"end":1966.0851},{"sentences":[{"text":"You have your Australian shares, international shares, and your 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you are in, let's say, an aggressive portfolio, you tend to have a 100% in those top four.","start":1987.305,"end":1992.765,"sentiment":"neutral","sentiment_score":0.25109357610344885},{"text":"Obviously, you're gonna have more fluctuations, but when things are going good, you'll have a higher growth.","start":1992.9851,"end":1997.9651,"sentiment":"neutral","sentiment_score":0.2960011827595094},{"text":"Yep.","start":1999.7999,"end":2000.2999,"sentiment":"positive","sentiment_score":0.3337918221950531},{"text":"Now the next two should be your AIA insurances.","start":2000.7599,"end":2005.1,"sentiment":"neutral","sentiment_score":0.28058722615242004}],"sentiment":"neutral","sentiment_score":0.2600337399677797,"num_words":55,"start":1984.93,"end":2005.1},{"sentences":[{"text":"Yep.","start":2011.3999,"end":2011.875,"sentiment":"neutral","sentiment_score":0.16337257623672485},{"text":"Yep.","start":2015.075,"end":2015.575,"sentiment":"neutral","sentiment_score":0.18398591876029968},{"text":"Now these are the two so you'll have two documents.","start":2016.035,"end":2019.015,"sentiment":"neutral","sentiment_score":0.14854765310883522},{"text":"One is for your life and TPD.","start":2019.075,"end":2020.775,"sentiment":"neutral","sentiment_score":0.12422099603073937},{"text":"The next one is for your income protection.","start":2021.395,"end":2023.415,"sentiment":"neutral","sentiment_score":0.09977381303906441}],"sentiment":"neutral","sentiment_score":0.1296508334301136,"num_words":27,"start":2011.3999,"end":2023.415},{"sentences":[{"text":"Now these are the ones that break down those insurances in a bit more detail.","start":2023.475,"end":2026.935,"sentiment":"neutral","sentiment_score":0.1665403793255488},{"text":"So it's all kind of the numbers and the the premium, so how much it costs that we went through in the first document.","start":2027.19,"end":2034.25,"sentiment":"neutral","sentiment_score":0.2202945314347744},{"text":"It just breaks it down in a little bit more detail.","start":2034.71,"end":2036.95,"sentiment":"neutral","sentiment_score":0.19030189920555463},{"text":"So even if you wanna look at this with Wendy and seeing what you think, and then let me know if you want to make any changes.","start":2036.95,"end":2043.5549,"sentiment":"neutral","sentiment_score":0.2867724625048814},{"text":"Yep.","start":2045.375,"end":2045.875,"sentiment":"neutral","sentiment_score":0.12734206020832062}],"sentiment":"neutral","sentiment_score":0.22754735747973123,"num_words":78,"start":2023.475,"end":2045.875},{"sentences":[{"text":"Now after that, do you have a OTU services guide?","start":2046.575,"end":2052.9949,"sentiment":"neutral","sentiment_score":0.052367690950632095},{"text":"So that's if you have, like, a double a double pole like, a double built in.","start":2070.105,"end":2075.4648,"sentiment":"neutral","sentiment_score":0.07659592293202877},{"text":"So there's a lot of different features you can have onto it.","start":2075.4648,"end":2079.76,"sentiment":"neutral","sentiment_score":0.12317081975440185},{"text":"So, yeah, whether you have, like, a a double crisis recovery, then that will will change, yeah, depending on 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please.","start":2105.3003,"end":2106.1602,"sentiment":"neutral","sentiment_score":0.11841263249516487}],"sentiment":"neutral","sentiment_score":0.0638020817333689,"num_words":26,"start":2093.405,"end":2106.1602},{"sentences":[{"text":"Which would be another AIA, but it will be your income protection.","start":2108.2202,"end":2112.4001,"sentiment":"neutral","sentiment_score":0.047118586798508964},{"text":"Yep.","start":2114.2202,"end":2114.7202,"sentiment":"neutral","sentiment_score":0.08989624679088593},{"text":"Now if you scroll down, you will see on summary of policy benefits, you will see two.","start":2115.9802,"end":2121.115,"sentiment":"neutral","sentiment_score":0.06510630775900449},{"text":"There is only one income protection, but the retirement protector indemnity, which is listed, that is basically if you were to be on claim.","start":2121.415,"end":2132.635,"sentiment":"neutral","sentiment_score":0.0006534334582587084},{"text":"Obviously, you're not gonna work, but it will continue to pay contributions into superannuation even though you are not working.","start":2133.35,"end":2142.25,"sentiment":"neutral","sentiment_score":-0.2653367295861244}],"sentiment":"neutral","sentiment_score":-0.047688184708759594,"num_words":74,"start":2108.2202,"end":2142.25},{"sentences":[{"text":"So it's like another kind of little benefit.","start":2142.71,"end":2144.8901,"sentiment":"neutral","sentiment_score":-0.23226420674473047},{"text":"So making sure that your super doesn't get eroded if you are off work for five years.","start":2145.615,"end":2150.595,"sentiment":"neutral","sentiment_score":-0.25594855801147576},{"text":"Yep.","start":2152.095,"end":2152.595,"sentiment":"neutral","sentiment_score":0.02094968780875206},{"text":"Now if you wanna press next for me.","start":2154.655,"end":2157.075,"sentiment":"neutral","sentiment_score":0.058660272508859634},{"text":"Yep.","start":2162.1099,"end":2162.6099,"sentiment":"neutral","sentiment_score":0.17639830708503723}],"sentiment":"neutral","sentiment_score":-0.15836025614823615,"num_words":35,"start":2142.71,"end":2162.6099},{"sentences":[{"text":"Now this is one where it will ask you for your signature if you are happy to do so, and that is it's just a compliance form to say we are keeping your tax file number secure and safe on file.","start":2162.8298,"end":2175.0652,"sentiment":"neutral","sentiment_score":0.3036155231842181},{"text":"So it will ask you for your signature, and it usually automatically adds a date as 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stuff.","start":2212.08,"end":2214.26,"sentiment":"neutral","sentiment_score":-0.026627521496266127},{"text":"Now what's the now what's the next document, Matthew?","start":2216.32,"end":2220.1802,"sentiment":"neutral","sentiment_score":0.012972953418890635}],"sentiment":"neutral","sentiment_score":0.0024222311497266802,"num_words":28,"start":2207.04,"end":2220.1802},{"sentences":[{"text":"Yes.","start":2225.4348,"end":2225.9348,"sentiment":"neutral","sentiment_score":0.07703487575054169},{"text":"Now this one here, again, you probably have seen it a couple of times.","start":2227.035,"end":2230.9548,"sentiment":"neutral","sentiment_score":0.1114164809031146},{"text":"It is one of those compliance documents as well, but it does give you all the important information in regards to all of us here at Oakview.","start":2230.9548,"end":2238.45,"sentiment":"neutral","sentiment_score":0.21911681719400264},{"text":"If you just scroll through it, you will see that none of the important information has changed, but we've had a bit of an update to our marketing.","start":2239.47,"end":2248.1548,"sentiment":"neutral","sentiment_score":0.09260669949331454},{"text":"So you might see a couple of new photos and also a bit of an extension to the team.","start":2248.295,"end":2253.595,"sentiment":"neutral","sentiment_score":0.14371073206788615}],"sentiment":"neutral","sentiment_score":0.14467990076106585,"num_words":89,"start":2225.4348,"end":2253.595},{"sentences":[{"text":"Now as you scroll through, you will actually see myself, if you wanna put a face to the voice.","start":2254.535,"end":2261.66,"sentiment":"neutral","sentiment_score":0.09886103319494348},{"text":"And I am right next to Dana who was the last adviser you spoke to for your last interview.","start":2262.1199,"end":2267.42,"sentiment":"neutral","sentiment_score":0.08916527758303441},{"text":"Yeah.","start":2269.3198,"end":2269.8198,"sentiment":"neutral","sentiment_score":0.22545398771762848},{"text":"And sometimes it's nice, especially as we do things over the phone, to kind of see who who we're talking to.","start":2269.96,"end":2275.035,"sentiment":"positive","sentiment_score":0.5087567120790482},{"text":"Yeah.","start":2275.4348,"end":2275.9348,"sentiment":"neutral","sentiment_score":0.11634637415409088}],"sentiment":"neutral","sentiment_score":0.23931461016907066,"num_words":61,"start":2254.535,"end":2275.9348},{"sentences":[{"text":"Yeah.","start":2283.835,"end":2284.335,"sentiment":"neutral","sentiment_score":-0.009416744112968445},{"text":"It's like a person.","start":2285.4348,"end":2286.655,"sentiment":"neutral","sentiment_score":-0.03185622300952673},{"text":"Yeah.","start":2291.66,"end":2292.16,"sentiment":"neutral","sentiment_score":0.006623458117246628},{"text":"Yeah.","start":2296.8599,"end":2297.3599,"sentiment":"neutral","sentiment_score":-0.00823586992919445},{"text":"Yeah.","start":2298.14,"end":2298.6199,"sentiment":"neutral","sentiment_score":0.05371793359518051}],"sentiment":"neutral","sentiment_score":-0.010592014295980334,"num_words":8,"start":2283.835,"end":2298.6199},{"sentences":[{"text":"We can.","start":2298.6199,"end":2299.26,"sentiment":"neutral","sentiment_score":0.16537313908338547},{"text":"If you guys are if you guys are ever wanting to, you know, come down this way to the Gold Coast and want to do in person, then more than welcome to do so because we have a lot of locals coming in as well.","start":2299.26,"end":2311.945,"sentiment":"neutral","sentiment_score":0.2302012777990765},{"text":"Yeah.","start":2313.5251,"end":2313.845,"sentiment":"neutral","sentiment_score":0.18358580768108368},{"text":"Live over drive, but but otherwise Yeah.","start":2313.845,"end":2322.87,"sentiment":"neutral","sentiment_score":0.1460606668676649},{"text":"Yeah.","start":2322.87,"end":2323.37,"sentiment":"neutral","sentiment_score":0.07406319677829742}],"sentiment":"neutral","sentiment_score":0.21374781163675444,"num_words":56,"start":2298.6199,"end":2323.37},{"sentences":[{"text":"Now there should be one more document for you, Matthew.","start":2323.6702,"end":2326.6501,"sentiment":"neutral","sentiment_score":0.0730575319379568},{"text":"You press next, and I believe that is a your ongoing service agreement.","start":2326.71,"end":2331.37,"sentiment":"neutral","sentiment_score":0.040405229307138},{"text":"Is it, say, Harbour '24 consent to new ongoing fee arrangement?","start":2331.665,"end":2335.605,"sentiment":"neutral","sentiment_score":0.030640214681625366},{"text":"Yes.","start":2336.865,"end":2337.105,"sentiment":"neutral","sentiment_score":0.0927729532122612},{"text":"Now this one here yep.","start":2337.105,"end":2339.105,"sentiment":"neutral","sentiment_score":0.08485551774501801}],"sentiment":"neutral","sentiment_score":0.05274840509518981,"num_words":40,"start":2323.6702,"end":2339.105},{"sentences":[{"text":"Now this one here will ask also ask you for your signature if you are happy with that.","start":2339.105,"end":2343.365,"sentiment":"neutral","sentiment_score":0.10809766397707993},{"text":"What this is is your ongoing service agreement.","start":2344.145,"end":2347.9502,"sentiment":"neutral","sentiment_score":0.13249852508306503},{"text":"So that is to say that you are happy to stay on as a client.","start":2348.33,"end":2351.79,"sentiment":"neutral","sentiment_score":0.2905849277973175},{"text":"Now the fee structure is not changing.","start":2352.4902,"end":2355.79,"sentiment":"neutral","sentiment_score":0.14462814426847867},{"text":"And because both you and Wendy are clients, you are on a reduced fee.","start":2355.85,"end":2360.4302,"sentiment":"neutral","sentiment_score":0.251420616039208}],"sentiment":"neutral","sentiment_score":0.19188396296193522,"num_words":62,"start":2339.105,"end":2360.4302},{"sentences":[{"text":"So it's down to 1.1% from super.","start":2361.125,"end":2365.385,"sentiment":"neutral","sentiment_score":0.23596811294555664},{"text":"So not increasing or changing, which is good.","start":2367.125,"end":2370.185,"sentiment":"neutral","sentiment_score":0.23370758816599846},{"text":"It is also yeah.","start":2370.7249,"end":2372.9648,"sentiment":"neutral","sentiment_score":0.07142801070585847},{"text":"Of course.","start":2372.9648,"end":2373.625,"sentiment":"neutral","sentiment_score":0.02408183366060257},{"text":"Yes.","start":2381.99,"end":2382.31,"sentiment":"neutral","sentiment_score":0.016360744833946228}],"sentiment":"neutral","sentiment_score":0.17598517958752133,"num_words":22,"start":2361.125,"end":2382.31},{"sentences":[{"text":"Sorry?","start":2382.31,"end":2382.81,"sentiment":"neutral","sentiment_score":-0.0014506569132208824},{"text":"The one that I can see on my end says Matthew Johnston.","start":2394.885,"end":2398.7449,"sentiment":"neutral","sentiment_score":-0.009417051012860611},{"text":"No.","start":2413.9348,"end":2414.255,"sentiment":"neutral","sentiment_score":-0.15435302257537842},{"text":"There should be.","start":2414.255,"end":2414.9749,"sentiment":"neutral","sentiment_score":-0.12004943937063217},{"text":"Let me check because the one that I can see right now let me check with the team.","start":2414.9749,"end":2420.9949,"sentiment":"neutral","sentiment_score":-0.021594260146634445}],"sentiment":"neutral","sentiment_score":-0.029075808354121234,"num_words":35,"start":2382.31,"end":2420.9949},{"sentences":[{"text":"It says consent to new ongoing free arrangement, Matthew Johnson.","start":2421.055,"end":2424.755,"sentiment":"neutral","sentiment_score":-0.0036726629361510275},{"text":"He has your account number and everything.","start":2425.4302,"end":2427.61,"sentiment":"neutral","sentiment_score":0.009729004598089628},{"text":"Let me see if I can see what you are looking at.","start":2428.23,"end":2432.01,"sentiment":"neutral","sentiment_score":-0.002022471589346727},{"text":"Okay.","start":2435.83,"end":2436.33,"sentiment":"neutral","sentiment_score":-0.1893741488456726},{"text":"If that's the case, then that's obviously an error for the team, so I will chase that up with them.","start":2436.9502,"end":2449.2048,"sentiment":"neutral","sentiment_score":-0.2645675141364336}],"sentiment":"neutral","sentiment_score":-0.10947235375642776,"num_words":50,"start":2421.055,"end":2449.2048},{"sentences":[{"text":"Okay.","start":2451.905,"end":2452.305,"sentiment":"neutral","sentiment_score":-0.06520785391330719},{"text":"Yeah.","start":2452.305,"end":2452.785,"sentiment":"neutral","sentiment_score":-0.03815983980894089},{"text":"Consent.","start":2452.785,"end":2453.285,"sentiment":"neutral","sentiment_score":-0.057335685938596725},{"text":"Okay.","start":2453.905,"end":2454.405,"sentiment":"neutral","sentiment_score":-0.010780706070363522},{"text":"It doesn't have okay.","start":2458.09,"end":2459.71,"sentiment":"neutral","sentiment_score":-0.03614280465990305}],"sentiment":"neutral","sentiment_score":-0.039506913046352565,"num_words":8,"start":2451.905,"end":2459.71},{"sentences":[{"text":"Just leave that.","start":2461.77,"end":2462.99,"sentiment":"neutral","sentiment_score":-0.05821627378463745},{"text":"Don't sign it, obviously.","start":2463.21,"end":2464.59,"sentiment":"neutral","sentiment_score":-0.15317731350660324},{"text":"And Okay.","start":2464.97,"end":2465.79,"sentiment":"neutral","sentiment_score":-0.0078006191179156295},{"text":"I will go and chat to the team because the one that I'm looking at has all of your details.","start":2467.37,"end":2472.185,"sentiment":"neutral","sentiment_score":0.02058776868507266},{"text":"So it just says Matthew Johnson and everything.","start":2472.485,"end":2474.665,"sentiment":"neutral","sentiment_score":-0.0059801992028951645}],"sentiment":"neutral","sentiment_score":-0.01186609550102337,"num_words":37,"start":2461.77,"end":2474.665},{"sentences":[{"text":"Yeah.","start":2479.0452,"end":2479.5452,"sentiment":"neutral","sentiment_score":-0.03718802332878113},{"text":"That's not that one.","start":2482.9,"end":2483.78,"sentiment":"neutral","sentiment_score":-0.2559770233929157},{"text":"Okay.","start":2483.78,"end":2484.28,"sentiment":"neutral","sentiment_score":-0.11840544641017914},{"text":"Don't sign it.","start":2484.5,"end":2485.56,"sentiment":"neutral","sentiment_score":-0.223957230647405},{"text":"I will go and chat to the team who who just put that together just to check.","start":2486.02,"end":2491.8,"sentiment":"neutral","sentiment_score":-0.010361126678831437}],"sentiment":"neutral","sentiment_score":-0.0779812464920374,"num_words":26,"start":2479.0452,"end":2491.8},{"sentences":[{"text":"And if it was incorrect, just just leave it.","start":2492.18,"end":2494.66,"sentiment":"neutral","sentiment_score":-0.269816345638699},{"text":"I will delete this, and I will reupload myself one that I'm looking at because that has yours and get that sorted.","start":2494.66,"end":2505.535,"sentiment":"neutral","sentiment_score":-0.025605492124503307},{"text":"And I will get the team to text you if you are happy with that when I've resent it.","start":2505.755,"end":2512.8901,"sentiment":"neutral","sentiment_score":0.26989540065589707},{"text":"And I will just triple check it myself because, yeah, if that is slightly different to what I'm looking at yet, then don't sign it.","start":2513.11,"end":2519.05,"sentiment":"neutral","sentiment_score":0.005148620754480362},{"text":"And I will go and delete that and get it sorted.","start":2519.11,"end":2522.07,"sentiment":"neutral","sentiment_score":0.03433230841024355}],"sentiment":"neutral","sentiment_score":0.03072925100406242,"num_words":86,"start":2492.18,"end":2522.07},{"sentences":[{"text":"So thank you for letting me know because, yeah, that's different to what I'm looking at.","start":2522.07,"end":2526.855,"sentiment":"neutral","sentiment_score":0.321853113360703},{"text":"So very good attention to detail, Matthew.","start":2526.855,"end":2528.955,"sentiment":"positive","sentiment_score":0.5521324830395835},{"text":"That is good.","start":2529.2551,"end":2530.155,"sentiment":"positive","sentiment_score":0.5819388429323832},{"text":"Very good attention because most people be like, oh, yeah.","start":2534.5352,"end":2536.7751,"sentiment":"neutral","sentiment_score":0.23217134326696395},{"text":"Yeah.","start":2536.7751,"end":2536.935,"sentiment":"neutral","sentiment_score":0.17859411239624023}],"sentiment":"positive","sentiment_score":0.35839733159219894,"num_words":37,"start":2522.07,"end":2536.935},{"sentences":[{"text":"I like like I said, the one I'm looking at has yours.","start":2536.935,"end":2539.85,"sentiment":"neutral","sentiment_score":0.10200894065201283},{"text":"So that is probably a bit of an error, so apologies for that.","start":2540.79,"end":2543.83,"sentiment":"neutral","sentiment_score":-0.18348213399832064},{"text":"And thank you so much for flagging that.","start":2543.83,"end":2546.8901,"sentiment":"neutral","sentiment_score":0.2773900870233774},{"text":"And I will chat with the team and see if I can see the document that you were looking at through the system, delete it, and then just reupload the one that I'm looking at because that's the one that has all of your stuff and get that sorted.","start":2547.27,"end":2563.5251,"sentiment":"neutral","sentiment_score":0.11091282005820956},{"text":"I will get the team to text you once it's resent if you would like, or you can just see a new email come through.","start":2563.5251,"end":2569.7852,"sentiment":"neutral","sentiment_score":0.1290022337436676}],"sentiment":"neutral","sentiment_score":0.09082003989230807,"num_words":107,"start":2536.935,"end":2569.7852},{"sentences":[{"text":"It will be everything the same, but just, obviously, I will triple check that it's that on the last page where it says the ongoing fee arrangement, that it doesn't have that with me, that it's just your details.","start":2570.0,"end":2583.0598,"sentiment":"neutral","sentiment_score":0.05098074524161907},{"text":"Yes.","start":2587.635,"end":2588.135,"sentiment":"neutral","sentiment_score":0.07967723906040192},{"text":"Exactly.","start":2588.1948,"end":2588.6948,"sentiment":"neutral","sentiment_score":0.08044491708278656},{"text":"So I will go and do that, and apologies.","start":2589.2349,"end":2591.075,"sentiment":"neutral","sentiment_score":0.04249994042846891},{"text":"And, again, thank you so much for flagging that.","start":2591.075,"end":2593.4949,"sentiment":"neutral","sentiment_score":0.2655824389722612}],"sentiment":"neutral","sentiment_score":0.08340868873174413,"num_words":59,"start":2570.0,"end":2593.4949},{"sentences":[{"text":"I will go and chat to the team as soon as I got off the phone and get that reissued for you.","start":2593.9548,"end":2600.43,"sentiment":"neutral","sentiment_score":0.18555892529812726},{"text":"Now, basically, from here so, obviously, we wanna do a bit of a catch up with you and Wendy and work on strategies together.","start":2601.13,"end":2608.75,"sentiment":"neutral","sentiment_score":0.13454093597829342},{"text":"Now what do you guys prefer?","start":2610.25,"end":2614.105,"sentiment":"neutral","sentiment_score":0.08826368177930514},{"text":"So with Wendy, her adviser is Dana, who I believe you spoke to last time.","start":2614.405,"end":2622.025,"sentiment":"neutral","sentiment_score":0.06422031552841266},{"text":"I also want to let you know that I am going on maternity leave in two months.","start":2623.5398,"end":2628.7598,"sentiment":"neutral","sentiment_score":0.04790555992547203}],"sentiment":"neutral","sentiment_score":0.11450666859967723,"num_words":84,"start":2593.9548,"end":2628.7598},{"sentences":[{"text":"So In two months for twelve months.","start":2631.38,"end":2637.24,"sentiment":"neutral","sentiment_score":0.006664584191249949},{"text":"So full transparency.","start":2641.225,"end":2642.5251,"sentiment":"neutral","sentiment_score":0.07525161405404408},{"text":"So so what I can either do, it is up to what you guys are comfortable with.","start":2643.225,"end":2649.145,"sentiment":"neutral","sentiment_score":0.29483742836643667},{"text":"I will have time to have the chat to both of you before I go or especially if, obviously, that kind of more ongoing management, because I will be gone for twelve months, is that I can brief my colleague, Dana, on everything we discussed today, especially if she's already dealing with Wendy, and then organize I think so too as much as much as I would love to do it for both of you given the time, to wanna make sure that I'm here, obviously, to see everything through is that I will chat to Dana who's absolutely lovely.","start":2649.145,"end":2685.67,"sentiment":"positive","sentiment_score":0.3685191027075052},{"text":"I will go through everything we discussed today as long as you're happy for me to convey that, and then I will get the team through reach out.","start":2685.73,"end":2695.3499,"sentiment":"positive","sentiment_score":0.4804534374603203}],"sentiment":"positive","sentiment_score":0.3586403208604503,"num_words":155,"start":2631.38,"end":2695.3499},{"sentences":[{"text":"Do you know a time where you guys are both free, or would you have to speak to Wendy?","start":2696.075,"end":2700.1548,"sentiment":"neutral","sentiment_score":0.06590482122019718},{"text":"Because I can get it booked in now with Dana for the two of you if you know Wendy's calendar.","start":2700.1548,"end":2707.295,"sentiment":"neutral","sentiment_score":0.08385440036654472},{"text":"But it would trigger one.","start":2714.25,"end":2715.47,"sentiment":"neutral","sentiment_score":-0.10762651339173317},{"text":"Yeah.","start":2715.61,"end":2716.11,"sentiment":"neutral","sentiment_score":0.02426036447286606},{"text":"Mhmm.","start":2718.57,"end":2719.07,"sentiment":"neutral","sentiment_score":-0.01935695856809616}],"sentiment":"neutral","sentiment_score":0.05208805324914663,"num_words":46,"start":2696.075,"end":2719.07},{"sentences":[{"text":"Yep.","start":2725.7048,"end":2726.105,"sentiment":"neutral","sentiment_score":0.09265895932912828},{"text":"Yep.","start":2726.105,"end":2726.605,"sentiment":"neutral","sentiment_score":0.09726227819919586},{"text":"Mhmm.","start":2731.4648,"end":2731.9648,"sentiment":"neutral","sentiment_score":0.050242938101291656},{"text":"Okay.","start":2732.9001,"end":2733.4001,"sentiment":"neutral","sentiment_score":0.10283735394477844},{"text":"Let me have a look here.","start":2753.155,"end":2755.095,"sentiment":"neutral","sentiment_score":0.06445802996555965}],"sentiment":"neutral","sentiment_score":0.07297497093677521,"num_words":10,"start":2725.7048,"end":2755.095},{"sentences":[{"text":"Sorry.","start":2755.395,"end":2755.895,"sentiment":"neutral","sentiment_score":0.0019238090608268976},{"text":"Okay.","start":2758.55,"end":2759.05,"sentiment":"neutral","sentiment_score":0.07548214495182037},{"text":"Yeah.","start":2763.11,"end":2763.61,"sentiment":"neutral","sentiment_score":0.1209014058113098},{"text":"Now she can alright.","start":2764.07,"end":2766.6301,"sentiment":"neutral","sentiment_score":0.15093106590211391},{"text":"So have a look.","start":2766.6301,"end":2767.35,"sentiment":"neutral","sentiment_score":0.15593677759170532}],"sentiment":"neutral","sentiment_score":0.1296162485272031,"num_words":11,"start":2755.395,"end":2767.35},{"sentences":[{"text":"She can do either next Thursday, July 9.","start":2767.35,"end":2771.7651,"sentiment":"neutral","sentiment_score":0.06191172869876027},{"text":"She can do it at 05:30, but if that's too late, next Thursday, July 9 at five thirty.","start":2771.765,"end":2781.065,"sentiment":"neutral","sentiment_score":-0.02189664190842046},{"text":"Too late?","start":2781.365,"end":2782.025,"sentiment":"neutral","sentiment_score":-0.15490666776895523},{"text":"No.","start":2787.32,"end":2787.82,"sentiment":"neutral","sentiment_score":-0.00671914778649807},{"text":"Oh, lovely.","start":2788.1199,"end":2788.78,"sentiment":"positive","sentiment_score":0.5936147272586823}],"sentiment":"neutral","sentiment_score":0.03135004020746677,"num_words":31,"start":2767.35,"end":2788.78},{"sentences":[{"text":"Oh, lovely.","start":2789.56,"end":2790.3,"sentiment":"positive","sentiment_score":0.5190277099609375},{"text":"Otherwise, the following week, she can do Thursday again.","start":2791.0798,"end":2796.0752,"sentiment":"neutral","sentiment_score":0.07965779594249195},{"text":"Okay.","start":2798.935,"end":2799.435,"sentiment":"neutral","sentiment_score":0.045900970697402954},{"text":"If you could do 04:30, if that would be when Wendy will be home.","start":2799.5752,"end":2803.7551,"sentiment":"neutral","sentiment_score":0.030647097155451775},{"text":"Yes.","start":2807.1099,"end":2807.6099,"sentiment":"neutral","sentiment_score":0.0784972608089447}],"sentiment":"neutral","sentiment_score":0.0854975250032213,"num_words":27,"start":2789.56,"end":2807.6099},{"sentences":[{"text":"Or I could do 04:00.","start":2808.8699,"end":2810.49,"sentiment":"neutral","sentiment_score":0.011970874946564436},{"text":"Four o'clock?","start":2815.1099,"end":2815.75,"sentiment":"neutral","sentiment_score":0.007592168170958757},{"text":"Okay.","start":2815.75,"end":2816.25,"sentiment":"neutral","sentiment_score":0.03238627314567566},{"text":"How about I put that tentatively in, which is Thursday, July 16 at 4PM?","start":2816.55,"end":2824.835,"sentiment":"neutral","sentiment_score":0.025447210363511528},{"text":"And if it is that you guys can't make it, just just let us know, and we can always get it rescheduled.","start":2825.615,"end":2833.635,"sentiment":"neutral","sentiment_score":-0.05391456072472713}],"sentiment":"neutral","sentiment_score":-0.016418963787145913,"num_words":44,"start":2808.8699,"end":2833.635},{"sentences":[{"text":"Okay?","start":2834.52,"end":2834.68,"sentiment":"neutral","sentiment_score":-0.009881999343633652},{"text":"But at least there's something locked in even if we call you guys and you go, oh, actually, Wendy's not home.","start":2834.68,"end":2840.68,"sentiment":"neutral","sentiment_score":-0.13852972182489576},{"text":"I'm still, you know, at work.","start":2840.68,"end":2842.76,"sentiment":"neutral","sentiment_score":-0.165856771171093},{"text":"I can't make it.","start":2842.76,"end":2843.48,"sentiment":"neutral","sentiment_score":-0.20955133438110352},{"text":"Then we can kind of book in another appointment.","start":2843.48,"end":2845.82,"sentiment":"neutral","sentiment_score":-0.031789738684892654}],"sentiment":"neutral","sentiment_score":-0.12288926269223051,"num_words":41,"start":2834.52,"end":2845.82},{"sentences":[{"text":"But at least you have something kind of locked in and and scheduled so we can kind of get working on everything together.","start":2845.96,"end":2851.865,"sentiment":"neutral","sentiment_score":0.0977852465989797},{"text":"And that also gives me a lot of time with Dana on what we discussed today to kind of go through before that catch up as well.","start":2851.865,"end":2860.445,"sentiment":"neutral","sentiment_score":0.15014003982974422},{"text":"04:00 would be better, if that's okay.","start":2866.3599,"end":2870.6199,"sentiment":"neutral","sentiment_score":0.12818638607859612},{"text":"Yeah.","start":2871.0,"end":2871.48,"sentiment":"neutral","sentiment_score":0.1824515163898468},{"text":"Just because she has another 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Diana.","start":2894.93,"end":2895.99,"sentiment":"neutral","sentiment_score":0.05153754726052284},{"text":"Yes.","start":2896.6099,"end":2897.0898,"sentiment":"neutral","sentiment_score":0.06689892709255219},{"text":"And we went very close.","start":2897.0898,"end":2898.6099,"sentiment":"neutral","sentiment_score":0.0858377069234848},{"text":"You 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sure.","start":2910.055,"end":2910.795,"sentiment":"neutral","sentiment_score":0.08903447166085243},{"text":"And, usually, that is something that we want to do as well.","start":2911.255,"end":2913.815,"sentiment":"neutral","sentiment_score":0.17550532519817352},{"text":"So if it is, and I want to do that as well.","start":2913.815,"end":2916.5698,"sentiment":"neutral","sentiment_score":0.1841090234617392},{"text":"Like, if I'm working with one partner, I would like to deal with the other one as well so that we can work together, and I know Dana is exactly the same.","start":2916.5698,"end":2922.99,"sentiment":"neutral","sentiment_score":0.23491801018826663},{"text":"And she's absolutely lovely, and you will be in very capable hands.","start":2923.2898,"end":2926.99,"sentiment":"positive","sentiment_score":0.8109934876362482}],"sentiment":"neutral","sentiment_score":0.31061056149857386,"num_words":70,"start":2910.055,"end":2926.99},{"sentences":[{"text":"And then you can work on stuff 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Yep. Yeah. I'm not sure. Yeah. Yep. Yep. All good. Yep. Yep. Alright. I've I've filled it I filled out forms for that, and I sent them away. So I don't know what happened. Because it's been a couple of times it's been disputed. I've done it, and then I've sent sent the envelope away. Yeah. Okay. Yeah. Because I've done it through yeah. You're saying the insurance one. Not that I actually sent it directly to them, I thought. Yeah. Yeah. Yeah. I've done I've done a cup couple times. Yeah. Yeah. Yeah. Yeah. Dodgy one. It's it works. I know what happens. We yeah. My wife uses it for, like, a yeah. It doesn't yeah. We do. But yeah. If you want me yep. Okay. Yeah. Because I've sent another one recently, like yeah. Because I've done it before, and then I sent one again in the last, maybe, six weeks ago or something like that. So could it would it be would it be updated by then? Yeah. Yeah. Yeah, because the the hub one's in place, you're saying. Yes. And then the and then the other one, I sent I thought it went directly to them. Thought it was addressed on the on the envelope. Maybe maybe that wrong. Yep. Yeah. Right. Yeah. Yeah. For sure. Yeah. Yes. But that the only thing I'd like to say too because I I just wanna double check where I am, where where I've had the growth what the growth is because I'm visually conservative to my wife's office and I just wanna see the difference what may being conservative means. But we can change that down the track up the answers, can't I? You know, down the track as well. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I'm I'm yeah. Because I'm almost more conservative. So that's why I probably need to change. So but in yeah. I'll I'll go through it. But yeah. Me? No. Not not not not as more given, you know, where it's continuation. I mean, yeah. Yep. No. Margaret. Yes. I think I would need to consider borrowing. Yep. Yeah. We are more cautious, I suppose. Well, I'll be consider, but that's considers doing and considering is three different things. It's yeah. Consider it, like, because other once we have a talk with Wendy and then we go through it, and that's where we consider it because you you if you're not in it together, then what's the point? But yeah. Yep. Yeah. I don't change. Yeah. Yep. Yeah. Yep. Yep. Yep. Yeah. Yep. I've got the summary of Superannuation Insurance, third of second July two thousand twenty six. Yep. Yeah. Right. Yep. Yep. Yep. Right. Yeah. Yep. I'm comfortable. So I'll I'll just check with Wendy because she's a a sometimes I'll on one of those ones that probably ask him any questions. So she'd probably like me to actually be able to be able to view it. So but then it's up to her, like, when she wants me. But, yeah, she'd probably yeah. She'd she'd rather, here, look at it. You make yeah. I don't need to go into detail about it. So she might suit us. I don't know. It runs sick. Yeah. Yeah. Yeah. But I think it'll say, yes. It'll say, like, if she is proactive, she might wanna just touch on mine and see what mine's doing. But yeah. Well, because yep. Because if mine yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yeah. Silly question. When when does that when does that stop? Like like, what age does it you don't get the benefit when you when you've passed away? Silly question. Yeah. K. Yep. Yeah. Because I haven't really thought I haven't really thought about it, but but with I'm not sure. Well, do most people have it? And then what about like, if you pass when you say say my parents or something. So I did say and they pretty much would be, like, you know, my sort of but yeah. So they would then get a pay the other part, they would get, like, when when one of them pass, I get a pay that, like, 500,000 or something like that. Like, is that what you're saying? Like, you know, equivalent to mine. So if I if I pass it on 75 or whatever that they get that when you would get that amount. Is that right? I'll just put yep. Yeah. Yeah. And then yeah. And that's happened, like, another ten years, and I was I was told that, yeah, she would get that amount as well. Yeah. Right. Yeah. Yeah. Because it it increases your chance of dying. So yeah. I mean yeah. Yeah. Right. K. Yeah. Yep. Yep. Alright. Pretty much. Yeah. Because you've got a balance of what you actually the benefits for both of us, you know, benefits for the moment. So, yeah, probably yeah. I'm yeah. Happy with like, when I say happy with them, I'm I'm comfortable with it for the moment. But yeah. You know, you got, like so it's got, like, approximate benefit is 284,000 for my super. So what what grace did I have What that feels like that didn't change? Yeah. Right. Yeah. Yeah. Right. Yeah. Yep. Yep. Yeah. Yeah. Yeah. Yeah. I wanna say, like, I I don't wanna spend too much on them because you don't really it's a bit of a had really anyway. Like, you sorta it sorta you get a little bit of benefit, but you don't get you know, like, you can put too much towards it because you actually because that gets me 30 day break, so that's one month. So and then how long you you only get it for a short period, don't you? Yeah. Just five. Yeah. Yeah. But then there's all these. I'm sure you look into it. There's so many but it so many, what do you say, Why is you can't get it? It feels like like like, yeah. Yeah. Yeah. Yeah. Yeah. They what's gonna say about that? So is it you have to send us information on that or we're we're trying to look into that again? Yeah. Yeah. Right. Yeah. Yep. Yep. Yeah. Right. As in when you say it's a different question. Yeah. Yeah. I'll have I'll I'll have to I'll I'll go through and have a look at what's under. Yep. Yeah. It's a tough one. You're damned if you do it damned if you don't. So yeah. I'm sorta I'm always cautious with it because you don't, yeah, you don't really know, but, like yeah. So yep. Yeah. Yeah. I'd say. Yep. Yep. Okay. I just got out of that one just saying. Sorry. Do I get out the signed document bit and just have a look another one? That's it. Alright. Okay. Yeah. You're right. Okay. Seems quite good. Okay. Next document. Yeah. I've already had some of the screen. Yep. Yep. Yep. Yep. Yep. I think yeah. Yep. Yep. Alrighty. So how much growth is that assigned to the over that period? Yep. Yeah. Yep. Because We're trying to work out, like yeah. Because Wendy's one is like she because she's been aggressive. She's I think she had, like, twenty five, twenty six percent or something. So oh, maybe I should be getting her to do mine for me. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Yeah. I suppose yeah. That yeah. That's the thing to yeah. Well, I'll just I'll plot along. That's that's just me. I'll plot along doing that. So yeah. When but she's but in saying that yeah. And there's no guarantees, like yeah. But since she's back she since she's taken it on, she's, yeah, she's had grace since she's since she's sort of taken her taken her you know, taken her own control out of it. So, yeah, she's yep. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yep. And because one one of the things I did we did change from we well, I used to be in Sunsuper that went over to, what do you call it? Yeah. The the one that the teachers yeah. And that that was pretty bad at one stage, but, like, it sorry. When it was the one to go to, like, for, you know, up until five, whatever it was, five, six years ago. And then it took a bit of a bit of a downturn, but that's gone back up again. Hasn't it really? Yeah. Yeah. Yep. Yep. Yeah. So for Wendy, it is because it it works for Wendy because she yeah. She's been able to be aggressive and go for it. But for someone like mine, whether I just need them to be, well, you know, like, it just yeah. Overall, you know, it's a high performing super rather you know what I mean? Rather than having to be aggressive. So I'm not sure whether yeah. It whether it's me whether from my point, it's worth considering just the one that sort of takes takes care of itself a bit more and and it's performing a lot better rather than being individually going for it. But, yeah, I'm not really sure. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Definitely. Yep. Yep. Yep. Yep. Yep. The Vanguard shop. Yep. Yep. Yep. Yep. Yep. So I gotta buy for it. Oh, yeah. Next document. Yeah. Yep. The what? Sorry. The I was I was just looking at that priority protection policy where it said double crisis recovery will automatically convert to crisis recovery on a policy anniversary before the life insured 60 or 50 birthday. Yeah. Right. I have my head. Yep. Yeah. Right. Yeah. Did you say next time? Sorry. Sorry. Yeah. You're right. You just say I got an expungement. Yeah? Yep. Yep. Yep. Yeah. Right. Option to provide text phone number. Yep. Alright. Yeah. Let's I see the the date. I didn't see on it, but if I it says sign all and it says go on name. So I just hit sign all. Yep. And the date. Oh, okay. The date didn't go in. Oh, no. It did. Yeah. It it clicked in. It's clicked in after the overall. Yep. Yep. Yeah. My Dodge area. Next one is a view services guide. Okay. Yeah. Okay. Yeah. All good. Yep. Yeah. I just I always these days. I was like, oh my god. Yeah. Yeah. You know, but you know what I mean? Like, we get we're so used to talking to robots and we get it is like it it's just it's it's it's so impersonal. It's, like, twenty years ago, thirty years well, twenty five years ago, we went into the office to see it. Not saying you couldn't do it. I'm not even sure how you operate, but you just yeah. Yeah. All good. Thank you. If I'm there for a holiday, I'll yeah. Probably thinking of retirement, not not planning. Next. I hit the next. Yep. Yep. Yep. I got it. Yep. I'm just checking there. Sorry. Just looking at the client consent name. What's so what's that? The the member's name on the on that client consent sheet. It's got Matthew John Whitney. What's that? I've got you know, the words the sheet I'm on now, maybe I skipped ahead on that. Consent consent to fixed term arrangement non ongoing. Is that where I'm supposed to be looking at? The one two five? I'm looking at I've got yeah. Because I've got, like, Matthew Whitney. Yeah. Yeah. Yeah. MJ MJ Whitney. So somehow, maybe the MJ is coming to it. Yeah. So, yeah, it's got consent. So I'm I'm looking at the right sheet, but it isn't a consent to fix yeah. Yeah. I've got all the I've got yeah. Someone asked me yeah. It's all a tablet. Yeah. Totally. Yeah. Yeah. Yeah. Yeah. Yeah. At the top, it says for me to you know, like, eight of eight signing, Matthew Johnson signing, but the actual form is not, yeah, not me. Yep. Yep. Yep. Yeah. Right. Yeah. Yeah. I can't find good. Normally, good at work. But that was an obvious one. Yep. Yep. Yep. Yep. Yeah. They'll probably just see it when they they see the email that they've sent. Yep. Would that be alright? Yeah. Yep. Yep. Yep. Two months. Okay. So if you're going for two just for two in two months or for how long you go? For oh, right. Yeah. Fair enough. So we'll who takes over? Yeah. All good. Yep. Yeah. That I think that'd be the best. Yeah. Yeah. For her to take take care. Yep. Tough one. Well yeah. Because I'm sort of flexible and not flexible because the sales rep is just me. I can I can do it through the day, but I can turn up any time? But I like to get my work done first and then do it. So but she can get there mostly in the afternoon. It comes back to mostly me getting home and and sitting down together. Mainly, I'm trying to think of the best day, would be maybe a a Wednesday at how late can you actually do it? Like, 03:30 to be a last or four? Like, yeah, like a a Wednesday or a Thursday around 04:00 where I can just sort of finish the day sort of thing. Where where is that? Sorry. Next, please. No. Oh, sorry. I've got I've got to tell him also again. I've got to book start roging. So we got three days off going to Brisbane with me and a couple of mates here. So probably so to speak back at the school. Teachers first week back at school. Yeah. Four thirty on if you can tentatively put it in, then we can always I I can, like, get yeah. If you can put it down for you. Because, it yeah. 04:00, probably. Yeah. Yep. Yep. Sixteen fifty one. Yep. Yeah. Yeah. I got it. Yeah. Yep. Did you say could it be 04:30 or 04:00 be better? Yeah. Yep. All good. It just it's like it's okay. Just means, like, yeah, by time I leave, yeah, it'll it'll have to make it work. Yeah. Because it'd be better because if you go so if you if you're going on the you're gone for twelve months anyway, so I would need some of the next next year anyway. Yeah. And and and to and Wendy's was really happy with it's Dana. Is that right? Yeah. Because she said yeah. Yeah. So she I was yeah. So Wendy's always pretty active and wanting things done. So but she's pretty and she liked the detail that she went into it. So it it'd be better to have the same person too, if you know what I mean? Like yeah. Yeah. Yep. Yeah. Yeah. Is that your first child? First child. Oh, fun. Fun. Yeah. The first one. Yeah. Yeah. 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Yep. Yeah. I'm not sure. Yeah.\n\nYep. Yep. All good. Yep. Yep.\n\nAlright. I've I've filled it I filled out forms for that, and I sent them away. So I don't know what happened. Because it's been a couple of times it's been disputed. I've done it, and then I've sent sent the envelope away.\n\nYeah. Okay. Yeah. Because I've done it through yeah. You're saying the insurance one.\n\nNot that I actually sent it directly to them, I thought. Yeah. Yeah. Yeah. I've done I've done a cup couple times.\n\nYeah. Yeah. Yeah. Yeah. Dodgy one.\n\nIt's it works. I know what happens. We yeah. My wife uses it for, like, a yeah. It doesn't yeah.\n\nWe do. But yeah. If you want me yep. Okay. Yeah.\n\nBecause I've sent another one recently, like yeah. Because I've done it before, and then I sent one again in the last, maybe, six weeks ago or something like that. So could it would it be would it be updated by then? Yeah. Yeah.\n\nYeah, because the the hub one's in place, you're saying. Yes. And then the and then the other one, I sent I thought it went directly to them. Thought it was addressed on the on the envelope. Maybe maybe that wrong.\n\nYep. Yeah. Right. Yeah. Yeah.\n\nFor sure. Yeah. Yes. But that the only thing I'd like to say too because I I just wanna double check where I am, where where I've had the growth what the growth is because I'm visually conservative to my wife's office and I just wanna see the difference what may being conservative means. But we can change that down the track up the answers, can't I?\n\nYou know, down the track as well. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. I'm I'm yeah. Because I'm almost more conservative. So that's why I probably need to change.\n\nSo but in yeah. I'll I'll go through it. But yeah. Me? No.\n\nNot not not not as more given, you know, where it's continuation. I mean, yeah. Yep. No. Margaret.\n\nYes. I think I would need to consider borrowing. Yep. Yeah. We are more cautious, I suppose.\n\nWell, I'll be consider, but that's considers doing and considering is three different things. It's yeah. Consider it, like, because other once we have a talk with Wendy and then we go through it, and that's where we consider it because you you if you're not in it together, then what's the point? But yeah. Yep.\n\nYeah. I don't change. Yeah. Yep. Yeah.\n\nYep. Yep. Yep. Yeah. Yep.\n\nI've got the summary of Superannuation Insurance, third of second July two thousand twenty six. Yep. Yeah. Right. Yep.\n\nYep. Yep. Right. Yeah. Yep.\n\nI'm comfortable. So I'll I'll just check with Wendy because she's a a sometimes I'll on one of those ones that probably ask him any questions. So she'd probably like me to actually be able to be able to view it. So but then it's up to her, like, when she wants me. But, yeah, she'd probably yeah.\n\nShe'd she'd rather, here, look at it. You make yeah. I don't need to go into detail about it. So she might suit us. I don't know.\n\nIt runs sick. Yeah. Yeah. Yeah. But I think it'll say, yes.\n\nIt'll say, like, if she is proactive, she might wanna just touch on mine and see what mine's doing. But yeah. Well, because yep. Because if mine yeah. Yeah.\n\nYep. Yep. Yep. Yep. Yep.\n\nYeah. Silly question. When when does that when does that stop? Like like, what age does it you don't get the benefit when you when you've passed away? Silly question.\n\nYeah. K. Yep. Yeah. Because I haven't really thought I haven't really thought about it, but but with I'm not sure.\n\nWell, do most people have it? And then what about like, if you pass when you say say my parents or something. So I did say and they pretty much would be, like, you know, my sort of but yeah. So they would then get a pay the other part, they would get, like, when when one of them pass, I get a pay that, like, 500,000 or something like that. Like, is that what you're saying?\n\nLike, you know, equivalent to mine. So if I if I pass it on 75 or whatever that they get that when you would get that amount. Is that right? I'll just put yep. Yeah.\n\nYeah. And then yeah. And that's happened, like, another ten years, and I was I was told that, yeah, she would get that amount as well. Yeah. Right.\n\nYeah. Yeah. Because it it increases your chance of dying. So yeah. I mean yeah.\n\nYeah. Right. K. Yeah. Yep.\n\nYep. Alright. Pretty much. Yeah. Because you've got a balance of what you actually the benefits for both of us, you know, benefits for the moment.\n\nSo, yeah, probably yeah. I'm yeah. Happy with like, when I say happy with them, I'm I'm comfortable with it for the moment. But yeah. You know, you got, like so it's got, like, approximate benefit is 284,000 for my super.\n\nSo what what grace did I have What that feels like that didn't change? Yeah. Right. Yeah. Yeah.\n\nRight. Yeah. Yep. Yep. Yeah.\n\nYeah. Yeah. Yeah. I wanna say, like, I I don't wanna spend too much on them because you don't really it's a bit of a had really anyway. Like, you sorta it sorta you get a little bit of benefit, but you don't get you know, like, you can put too much towards it because you actually because that gets me 30 day break, so that's one month.\n\nSo and then how long you you only get it for a short period, don't you? Yeah. Just five. Yeah. Yeah.\n\nBut then there's all these. I'm sure you look into it. There's so many but it so many, what do you say, Why is you can't get it? It feels like like like, yeah. Yeah.\n\nYeah. Yeah. Yeah. They what's gonna say about that? So is it you have to send us information on that or we're we're trying to look into that again?\n\nYeah. Yeah. Right. Yeah. Yep.\n\nYep. Yeah. Right. As in when you say it's a different question. Yeah.\n\nYeah. I'll have I'll I'll have to I'll I'll go through and have a look at what's under. Yep. Yeah. It's a tough one.\n\nYou're damned if you do it damned if you don't. So yeah. I'm sorta I'm always cautious with it because you don't, yeah, you don't really know, but, like yeah. So yep. Yeah.\n\nYeah. I'd say. Yep. Yep. Okay.\n\nI just got out of that one just saying. Sorry. Do I get out the signed document bit and just have a look another one? That's it. Alright.\n\nOkay. Yeah. You're right. Okay. Seems quite good.\n\nOkay. Next document. Yeah. I've already had some of the screen. Yep.\n\nYep. Yep. Yep. Yep. I think yeah.\n\nYep. Yep. Alrighty. So how much growth is that assigned to the over that period? Yep.\n\nYeah. Yep. Because We're trying to work out, like yeah. Because Wendy's one is like she because she's been aggressive. She's I think she had, like, twenty five, twenty six percent or something.\n\nSo oh, maybe I should be getting her to do mine for me. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yep. Yeah. Yeah. I suppose yeah.\n\nThat yeah. That's the thing to yeah. Well, I'll just I'll plot along. That's that's just me. I'll plot along doing that.\n\nSo yeah. When but she's but in saying that yeah. And there's no guarantees, like yeah. But since she's back she since she's taken it on, she's, yeah, she's had grace since she's since she's sort of taken her taken her you know, taken her own control out of it. So, yeah, she's yep.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYeah. Yep. And because one one of the things I did we did change from we well, I used to be in Sunsuper that went over to, what do you call it? Yeah. The the one that the teachers yeah.\n\nAnd that that was pretty bad at one stage, but, like, it sorry. When it was the one to go to, like, for, you know, up until five, whatever it was, five, six years ago. And then it took a bit of a bit of a downturn, but that's gone back up again. Hasn't it really? Yeah.\n\nYeah. Yep. Yep. Yeah. So for Wendy, it is because it it works for Wendy because she yeah.\n\nShe's been able to be aggressive and go for it. But for someone like mine, whether I just need them to be, well, you know, like, it just yeah. Overall, you know, it's a high performing super rather you know what I mean? Rather than having to be aggressive. So I'm not sure whether yeah.\n\nIt whether it's me whether from my point, it's worth considering just the one that sort of takes takes care of itself a bit more and and it's performing a lot better rather than being individually going for it. But, yeah, I'm not really sure. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Definitely. Yep.\n\nYep. Yep. Yep. Yep. The Vanguard shop.\n\nYep. Yep. Yep. Yep. Yep.\n\nSo I gotta buy for it. Oh, yeah. Next document. Yeah. Yep.\n\nThe what? Sorry. The I was I was just looking at that priority protection policy where it said double crisis recovery will automatically convert to crisis recovery on a policy anniversary before the life insured 60 or 50 birthday. Yeah. Right.\n\nI have my head. Yep. Yeah. Right. Yeah.\n\nDid you say next time? Sorry. Sorry. Yeah. You're right.\n\nYou just say I got an expungement. Yeah? Yep. Yep. Yep.\n\nYeah. Right. Option to provide text phone number. Yep. Alright.\n\nYeah. Let's I see the the date. I didn't see on it, but if I it says sign all and it says go on name. So I just hit sign all. Yep.\n\nAnd the date. Oh, okay. The date didn't go in. Oh, no. It did.\n\nYeah. It it clicked in. It's clicked in after the overall. Yep. Yep.\n\nYeah. My Dodge area. Next one is a view services guide. Okay. Yeah.\n\nOkay. Yeah. All good. Yep. Yeah.\n\nI just I always these days. I was like, oh my god. Yeah. Yeah. You know, but you know what I mean?\n\nLike, we get we're so used to talking to robots and we get it is like it it's just it's it's it's so impersonal. It's, like, twenty years ago, thirty years well, twenty five years ago, we went into the office to see it. Not saying you couldn't do it. I'm not even sure how you operate, but you just yeah. Yeah.\n\nAll good. Thank you. If I'm there for a holiday, I'll yeah. Probably thinking of retirement, not not planning. Next.\n\nI hit the next. Yep. Yep. Yep. I got it.\n\nYep. I'm just checking there. Sorry. Just looking at the client consent name. What's so what's that?\n\nThe the member's name on the on that client consent sheet. It's got Matthew John Whitney. What's that? I've got you know, the words the sheet I'm on now, maybe I skipped ahead on that. Consent consent to fixed term arrangement non ongoing.\n\nIs that where I'm supposed to be looking at? The one two five? I'm looking at I've got yeah. Because I've got, like, Matthew Whitney. Yeah.\n\nYeah. Yeah. MJ MJ Whitney. So somehow, maybe the MJ is coming to it. Yeah.\n\nSo, yeah, it's got consent. So I'm I'm looking at the right sheet, but it isn't a consent to fix yeah. Yeah. I've got all the I've got yeah. Someone asked me yeah.\n\nIt's all a tablet. Yeah. Totally. Yeah. Yeah.\n\nYeah. Yeah. Yeah. At the top, it says for me to you know, like, eight of eight signing, Matthew Johnson signing, but the actual form is not, yeah, not me. Yep.\n\nYep. Yep. Yeah. Right. Yeah.\n\nYeah. I can't find good. Normally, good at work. But that was an obvious one. Yep.\n\nYep. Yep. Yep. Yeah. They'll probably just see it when they they see the email that they've sent.\n\nYep. Would that be alright? Yeah. Yep. Yep.\n\nYep. Two months. Okay. So if you're going for two just for two in two months or for how long you go? For oh, right.\n\nYeah. Fair enough. So we'll who takes over? Yeah. All good.\n\nYep. Yeah. That I think that'd be the best. Yeah. Yeah.\n\nFor her to take take care. Yep. Tough one. Well yeah. Because I'm sort of flexible and not flexible because the sales rep is just me.\n\nI can I can do it through the day, but I can turn up any time? But I like to get my work done first and then do it. So but she can get there mostly in the afternoon. It comes back to mostly me getting home and and sitting down together. Mainly, I'm trying to think of the best day, would be maybe a a Wednesday at how late can you actually do it?\n\nLike, 03:30 to be a last or four? Like, yeah, like a a Wednesday or a Thursday around 04:00 where I can just sort of finish the day sort of thing. Where where is that? Sorry. Next, please.\n\nNo. Oh, sorry. I've got I've got to tell him also again. I've got to book start roging. So we got three days off going to Brisbane with me and a couple of mates here.\n\nSo probably so to speak back at the school. Teachers first week back at school. Yeah. Four thirty on if you can tentatively put it in, then we can always I I can, like, get yeah. If you can put it down for you.\n\nBecause, it yeah. 04:00, probably. Yeah. Yep. Yep.\n\nSixteen fifty one. Yep. Yeah. Yeah. I got it.\n\nYeah. Yep. Did you say could it be 04:30 or 04:00 be better? Yeah. Yep.\n\nAll good. It just it's like it's okay. Just means, like, yeah, by time I leave, yeah, it'll it'll have to make it work. Yeah. Because it'd be better because if you go so if you if you're going on the you're gone for twelve months anyway, so I would need some of the next next year anyway.\n\nYeah. And and and to and Wendy's was really happy with it's Dana. Is that right? Yeah. Because she said yeah.\n\nYeah. So she I was yeah. So Wendy's always pretty active and wanting things done. So but she's pretty and she liked the detail that she went into it. So it it'd be better to have the same person too, if you know what I mean?\n\nLike yeah. Yeah. Yep. Yeah. Yeah.\n\nIs that your first child? First child. Oh, fun. Fun. Yeah.\n\nThe first one. Yeah. Yeah. Yeah.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.0031781429424881935},{"text":"Yep.","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":-0.008035937324166298},{"text":"Yeah.","start":8.559999,"end":8.8,"sentiment":"neutral","sentiment_score":-0.13006284832954407},{"text":"I'm not sure.","start":8.8,"end":9.5199995,"sentiment":"neutral","sentiment_score":-0.14014713962872824},{"text":"Yeah.","start":9.5199995,"end":10.0199995,"sentiment":"neutral","sentiment_score":-0.02616233006119728}],"sentiment":"neutral","sentiment_score":-0.08307491309408631,"num_words":7,"start":0.24,"end":10.0199995},{"sentences":[{"text":"Yep.","start":10.16,"end":10.66,"sentiment":"neutral","sentiment_score":0.004493724554777145},{"text":"Yep.","start":12.48,"end":12.88,"sentiment":"neutral","sentiment_score":0.12818825244903564},{"text":"All 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because one one of the things I did we did change from we well, I used to be in Sunsuper that went over to, what do you call it?","start":1688.795,"end":1701.09,"sentiment":"neutral","sentiment_score":0.02558228385945161},{"text":"Yeah.","start":1702.03,"end":1702.4299,"sentiment":"neutral","sentiment_score":0.00981099996715784},{"text":"The the one that the teachers yeah.","start":1702.4299,"end":1704.45,"sentiment":"neutral","sentiment_score":-0.0031964959842818125}],"sentiment":"neutral","sentiment_score":0.024864146788604557,"num_words":40,"start":1659.625,"end":1704.45},{"sentences":[{"text":"And that that was pretty bad at one stage, but, like, it sorry.","start":1704.51,"end":1710.83,"sentiment":"neutral","sentiment_score":-0.14994658501102373},{"text":"When it was the one to go to, like, for, you know, up until five, whatever it was, five, six years ago.","start":1710.83,"end":1717.6951,"sentiment":"neutral","sentiment_score":-0.0878858437592333},{"text":"And then it took a bit 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me.","start":2475.43,"end":2483.85,"sentiment":"neutral","sentiment_score":-0.07388402373288516},{"text":"Yep.","start":2486.1501,"end":2486.6501,"sentiment":"neutral","sentiment_score":-0.01986059546470642}],"sentiment":"neutral","sentiment_score":-0.06535625214418096,"num_words":31,"start":2464.685,"end":2486.6501},{"sentences":[{"text":"Yep.","start":2491.225,"end":2491.725,"sentiment":"neutral","sentiment_score":-0.028441082686185837},{"text":"Yep.","start":2496.505,"end":2497.005,"sentiment":"neutral","sentiment_score":-0.009828992187976835},{"text":"Yeah.","start":2513.23,"end":2513.55,"sentiment":"neutral","sentiment_score":0.1435939073562622},{"text":"Right.","start":2513.55,"end":2514.03,"sentiment":"neutral","sentiment_score":0.07245099544525146},{"text":"Yeah.","start":2514.03,"end":2514.53,"sentiment":"neutral","sentiment_score":0.030009448528289795}],"sentiment":"neutral","sentiment_score":0.04155685529112816,"num_words":5,"start":2491.225,"end":2514.53},{"sentences":[{"text":"Yeah.","start":2519.4949,"end":2519.9949,"sentiment":"neutral","sentiment_score":0.026676323264837265},{"text":"I can't find good.","start":2530.38,"end":2531.26,"sentiment":"neutral","sentiment_score":-0.13764279522001743},{"text":"Normally, good at work.","start":2531.26,"end":2532.3198,"sentiment":"neutral","sentiment_score":0.009532777592539787},{"text":"But that was an obvious one.","start":2532.54,"end":2534.24,"sentiment":"neutral","sentiment_score":-0.044767010336120926},{"text":"Yep.","start":2534.46,"end":2534.96,"sentiment":"neutral","sentiment_score":0.09539395570755003}],"sentiment":"neutral","sentiment_score":-0.04118574084714055,"num_words":16,"start":2519.4949,"end":2534.96},{"sentences":[{"text":"Yep.","start":2541.02,"end":2541.52,"sentiment":"neutral","sentiment_score":-0.08458264917135239},{"text":"Yep.","start":2547.555,"end":2548.055,"sentiment":"neutral","sentiment_score":0.08211174607276917},{"text":"Yep.","start":2561.13,"end":2561.63,"sentiment":"neutral","sentiment_score":0.15399616956710815},{"text":"Yeah.","start":2583.515,"end":2583.835,"sentiment":"neutral","sentiment_score":0.07258298993110657},{"text":"They'll probably just see it when they they see the email that they've sent.","start":2583.835,"end":2587.1948,"sentiment":"neutral","sentiment_score":0.0592142218457801}],"sentiment":"neutral","sentiment_score":0.058505964568919606,"num_words":18,"start":2541.02,"end":2587.1948},{"sentences":[{"text":"Yep.","start":2587.1948,"end":2587.6948,"sentiment":"neutral","sentiment_score":0.07032322883605957},{"text":"Would that be alright?","start":2587.755,"end":2588.555,"sentiment":"neutral","sentiment_score":0.07979553751647472},{"text":"Yeah.","start":2588.555,"end":2588.94,"sentiment":"neutral","sentiment_score":0.0789262130856514},{"text":"Yep.","start":2589.0999,"end":2589.5999,"sentiment":"neutral","sentiment_score":0.06778983771800995},{"text":"Yep.","start":2600.3,"end":2600.8,"sentiment":"neutral","sentiment_score":0.10208409279584885}],"sentiment":"neutral","sentiment_score":0.07978819031268358,"num_words":8,"start":2587.1948,"end":2600.8},{"sentences":[{"text":"Yep.","start":2601.02,"end":2601.52,"sentiment":"neutral","sentiment_score":0.09541132301092148},{"text":"Two months.","start":2629.48,"end":2630.1199,"sentiment":"neutral","sentiment_score":0.006875847931951284},{"text":"Okay.","start":2630.1199,"end":2630.6199,"sentiment":"neutral","sentiment_score":0.029894007369875908},{"text":"So if you're going for two just for two in two months or for how long you go?","start":2630.68,"end":2635.895,"sentiment":"neutral","sentiment_score":0.01533425309591823},{"text":"For oh, right.","start":2636.6748,"end":2638.4348,"sentiment":"neutral","sentiment_score":0.03870483456800381}],"sentiment":"neutral","sentiment_score":0.02124752342700958,"num_words":25,"start":2601.02,"end":2638.4348},{"sentences":[{"text":"Yeah.","start":2638.4348,"end":2638.835,"sentiment":"neutral","sentiment_score":0.08855049312114716},{"text":"Fair enough.","start":2638.835,"end":2639.575,"sentiment":"neutral","sentiment_score":0.10374810546636581},{"text":"So we'll who takes over?","start":2640.755,"end":2642.6948,"sentiment":"neutral","sentiment_score":0.06523955911397934},{"text":"Yeah.","start":2643.635,"end":2644.035,"sentiment":"neutral","sentiment_score":0.3284371495246887},{"text":"All good.","start":2644.035,"end":2644.775,"sentiment":"positive","sentiment_score":0.5603284239768982}],"sentiment":"neutral","sentiment_score":0.18830349973656915,"num_words":11,"start":2638.4348,"end":2644.775},{"sentences":[{"text":"Yep.","start":2653.8,"end":2654.3,"sentiment":"neutral","sentiment_score":0.19208043813705444},{"text":"Yeah.","start":2668.9648,"end":2669.365,"sentiment":"neutral","sentiment_score":0.21521106362342832},{"text":"That I think that'd be the best.","start":2669.365,"end":2670.805,"sentiment":"neutral","sentiment_score":0.2997127047606877},{"text":"Yeah.","start":2670.805,"end":2671.305,"sentiment":"neutral","sentiment_score":0.17733874917030334},{"text":"Yeah.","start":2671.365,"end":2671.6848,"sentiment":"neutral","sentiment_score":0.18907475471496585}],"sentiment":"neutral","sentiment_score":0.2610630853609605,"num_words":11,"start":2653.8,"end":2671.6848},{"sentences":[{"text":"For her to take take care.","start":2671.6848,"end":2673.7048,"sentiment":"neutral","sentiment_score":0.17434836799899736},{"text":"Yep.","start":2690.885,"end":2691.385,"sentiment":"neutral","sentiment_score":0.32731419801712036},{"text":"Tough one.","start":2714.3,"end":2715.1199,"sentiment":"neutral","sentiment_score":-0.1557830385863781},{"text":"Well yeah.","start":2715.6848,"end":2716.085,"sentiment":"neutral","sentiment_score":0.009169438853859901},{"text":"Because I'm sort of flexible and not flexible because the sales rep is just me.","start":2716.085,"end":2719.365,"sentiment":"neutral","sentiment_score":-0.033220256119966506}],"sentiment":"neutral","sentiment_score":0.022379744797945023,"num_words":26,"start":2671.6848,"end":2719.365},{"sentences":[{"text":"I can I can do it through the day, but I can turn up any time?","start":2719.365,"end":2722.805,"sentiment":"neutral","sentiment_score":0.05441646324470639},{"text":"But I like to get my work done first and then do it.","start":2722.805,"end":2725.4448,"sentiment":"neutral","sentiment_score":0.131080680168592},{"text":"So but she can get there mostly in the afternoon.","start":2725.4448,"end":2728.6648,"sentiment":"neutral","sentiment_score":0.10511972606182099},{"text":"It comes back to mostly me getting home and and sitting down together.","start":2728.805,"end":2734.3,"sentiment":"neutral","sentiment_score":0.09442948521329807},{"text":"Mainly, I'm trying to think of the best day, would be maybe a a Wednesday at how late can you actually do it?","start":2735.4001,"end":2750.895,"sentiment":"neutral","sentiment_score":0.17315465827351031}],"sentiment":"neutral","sentiment_score":0.11781399950385094,"num_words":75,"start":2719.365,"end":2750.895},{"sentences":[{"text":"Like, 03:30 to be a last or four?","start":2750.895,"end":2753.315,"sentiment":"neutral","sentiment_score":0.07540751900523901},{"text":"Like, yeah, like a a Wednesday or a Thursday around 04:00 where I can just sort of finish the day sort of thing.","start":2755.055,"end":2762.97,"sentiment":"neutral","sentiment_score":0.06096449146128219},{"text":"Where where is that?","start":2774.485,"end":2775.685,"sentiment":"neutral","sentiment_score":-0.14219140075147152},{"text":"Sorry.","start":2775.685,"end":2776.185,"sentiment":"neutral","sentiment_score":-0.14410468935966492},{"text":"Next, please.","start":2776.245,"end":2777.225,"sentiment":"neutral","sentiment_score":-0.055548420175909996}],"sentiment":"neutral","sentiment_score":0.03109148218247451,"num_words":38,"start":2750.895,"end":2777.225},{"sentences":[{"text":"No.","start":2780.325,"end":2780.825,"sentiment":"neutral","sentiment_score":-0.1036550998687744},{"text":"Oh, sorry.","start":2781.0452,"end":2781.625,"sentiment":"neutral","sentiment_score":-0.10787118971347809},{"text":"I've got I've got to tell him also again.","start":2782.0051,"end":2784.0251,"sentiment":"neutral","sentiment_score":-0.07158525950378841},{"text":"I've got to book start roging.","start":2784.06,"end":2785.5,"sentiment":"neutral","sentiment_score":-0.006262507134427627},{"text":"So we got three days off going to Brisbane with me and a couple of mates here.","start":2785.5,"end":2789.44,"sentiment":"neutral","sentiment_score":0.23608766594792113}],"sentiment":"neutral","sentiment_score":0.08606429895652191,"num_words":35,"start":2780.325,"end":2789.44},{"sentences":[{"text":"So probably so to speak back at the school.","start":2789.9001,"end":2796.54,"sentiment":"neutral","sentiment_score":0.0721670515421364},{"text":"Teachers first week back at school.","start":2796.54,"end":2798.32,"sentiment":"neutral","sentiment_score":0.038620093216498695},{"text":"Yeah.","start":2801.555,"end":2801.9548,"sentiment":"neutral","sentiment_score":0.03604204207658768},{"text":"Four thirty on if you can tentatively put it in, then we can always I I can, like, get yeah.","start":2801.9548,"end":2808.4348,"sentiment":"neutral","sentiment_score":0.04465942308306694},{"text":"If you can put it down for you.","start":2808.4348,"end":2809.4749,"sentiment":"neutral","sentiment_score":0.021985406172461808}],"sentiment":"neutral","sentiment_score":0.04514404037036002,"num_words":44,"start":2789.9001,"end":2809.4749},{"sentences":[{"text":"Because, it yeah.","start":2809.4749,"end":2814.21,"sentiment":"neutral","sentiment_score":0.006084059830754995},{"text":"04:00, probably.","start":2814.21,"end":2815.25,"sentiment":"neutral","sentiment_score":0.005100831389427185},{"text":"Yeah.","start":2815.25,"end":2815.75,"sentiment":"neutral","sentiment_score":0.009324662387371063},{"text":"Yep.","start":2816.37,"end":2816.87,"sentiment":"neutral","sentiment_score":0.04313214123249054},{"text":"Yep.","start":2819.97,"end":2820.47,"sentiment":"neutral","sentiment_score":0.02186005376279354}],"sentiment":"neutral","sentiment_score":0.012846337456721812,"num_words":8,"start":2809.4749,"end":2820.47},{"sentences":[{"text":"Sixteen fifty one.","start":2825.735,"end":2827.115,"sentiment":"neutral","sentiment_score":-0.008458259515464306},{"text":"Yep.","start":2831.0151,"end":2831.5151,"sentiment":"neutral","sentiment_score":-0.03656891733407974},{"text":"Yeah.","start":2832.5352,"end":2833.0352,"sentiment":"neutral","sentiment_score":-0.011318501085042952},{"text":"Yeah.","start":2834.695,"end":2834.7751,"sentiment":"neutral","sentiment_score":-0.047242552042007446},{"text":"I got it.","start":2834.7751,"end":2835.595,"sentiment":"neutral","sentiment_score":-0.09874824186166127}],"sentiment":"neutral","sentiment_score":-0.04630549717694521,"num_words":9,"start":2825.735,"end":2835.595},{"sentences":[{"text":"Yeah.","start":2850.26,"end":2850.76,"sentiment":"neutral","sentiment_score":0.08336073905229568},{"text":"Yep.","start":2857.2148,"end":2857.7148,"sentiment":"neutral","sentiment_score":0.08149176090955734},{"text":"Did you say could it be 04:30 or 04:00 be better?","start":2860.815,"end":2865.7148,"sentiment":"neutral","sentiment_score":-0.03227678872644901},{"text":"Yeah.","start":2868.2,"end":2868.7,"sentiment":"neutral","sentiment_score":0.043550897389650345},{"text":"Yep.","start":2869.0798,"end":2869.5798,"sentiment":"neutral","sentiment_score":-0.004458361305296421}],"sentiment":"neutral","sentiment_score":-0.010073309329648812,"num_words":15,"start":2850.26,"end":2869.5798},{"sentences":[{"text":"All good.","start":2869.72,"end":2870.38,"sentiment":"positive","sentiment_score":0.40945763885974884},{"text":"It just it's like it's okay.","start":2871.4,"end":2873.2598,"sentiment":"neutral","sentiment_score":0.030287012030991416},{"text":"Just means, like, yeah, by time I leave, yeah, it'll it'll have to make it work.","start":2873.4,"end":2877.16,"sentiment":"neutral","sentiment_score":0.01543925201985985},{"text":"Yeah.","start":2877.16,"end":2877.4,"sentiment":"neutral","sentiment_score":0.01529244054108858},{"text":"Because it'd be better because if you go so if you if you're going on the you're gone for twelve months anyway, so I would need some of the next next year anyway.","start":2877.4,"end":2888.5452,"sentiment":"neutral","sentiment_score":-0.007875197651711378}],"sentiment":"neutral","sentiment_score":0.01729441896996236,"num_words":58,"start":2869.72,"end":2888.5452},{"sentences":[{"text":"Yeah.","start":2888.605,"end":2889.085,"sentiment":"neutral","sentiment_score":0.05677739903330803},{"text":"And and and to and Wendy's was really happy with it's Dana.","start":2889.085,"end":2894.445,"sentiment":"neutral","sentiment_score":0.304646256690224},{"text":"Is that right?","start":2894.445,"end":2894.845,"sentiment":"neutral","sentiment_score":0.06866519898176193},{"text":"Yeah.","start":2894.845,"end":2895.085,"sentiment":"neutral","sentiment_score":0.0636502280831337},{"text":"Because she said yeah.","start":2895.085,"end":2896.605,"sentiment":"neutral","sentiment_score":0.059069386683404446}],"sentiment":"neutral","sentiment_score":0.20087885005133493,"num_words":21,"start":2888.605,"end":2896.605},{"sentences":[{"text":"Yeah.","start":2896.605,"end":2897.0051,"sentiment":"neutral","sentiment_score":0.05567130818963051},{"text":"So she I was yeah.","start":2897.0051,"end":2899.77,"sentiment":"neutral","sentiment_score":0.06562613323330879},{"text":"So Wendy's always pretty active and wanting things done.","start":2899.77,"end":2902.57,"sentiment":"neutral","sentiment_score":0.15215602351559532},{"text":"So but she's pretty and she liked the detail that she went into it.","start":2902.57,"end":2905.77,"sentiment":"positive","sentiment_score":0.5918351986578533},{"text":"So it it'd be better to have the same person too, if you know what I mean?","start":2905.77,"end":2909.53,"sentiment":"neutral","sentiment_score":0.22924645442296476}],"sentiment":"neutral","sentiment_score":0.30295844983471476,"num_words":46,"start":2896.605,"end":2909.53},{"sentences":[{"text":"Like yeah.","start":2909.53,"end":2910.27,"sentiment":"neutral","sentiment_score":0.06790376640856266},{"text":"Yeah.","start":2910.33,"end":2910.83,"sentiment":"neutral","sentiment_score":0.1179237738251686},{"text":"Yep.","start":2911.37,"end":2911.87,"sentiment":"neutral","sentiment_score":0.08684157580137253},{"text":"Yeah.","start":2914.575,"end":2915.075,"sentiment":"neutral","sentiment_score":0.12132001668214798},{"text":"Yeah.","start":2921.055,"end":2921.555,"sentiment":"neutral","sentiment_score":0.24056397378444672}],"sentiment":"neutral","sentiment_score":0.11707614548504353,"num_words":6,"start":2909.53,"end":2921.555},{"sentences":[{"text":"Is that your first child?","start":2927.695,"end":2928.9949,"sentiment":"neutral","sentiment_score":0.1585392951965332},{"text":"First child.","start":2930.177,"end":2930.977,"sentiment":"neutral","sentiment_score":0.041108885779976845},{"text":"Oh, fun.","start":2930.977,"end":2932.7568,"sentiment":"neutral","sentiment_score":0.2999012563377619},{"text":"Fun.","start":2932.897,"end":2933.397,"sentiment":"positive","sentiment_score":0.6309281587600708},{"text":"Yeah.","start":2933.697,"end":2934.197,"sentiment":"positive","sentiment_score":0.34618496894836426}],"sentiment":"neutral","sentiment_score":0.2228936261751435,"num_words":11,"start":2927.695,"end":2934.197},{"sentences":[{"text":"The first one.","start":2934.4968,"end":2935.397,"sentiment":"neutral","sentiment_score":0.18667761981487274},{"text":"Yeah.","start":2935.7769,"end":2936.2769,"sentiment":"neutral","sentiment_score":0.110245481133461},{"text":"Yeah.","start":2936.737,"end":2936.977,"sentiment":"neutral","sentiment_score":0.10018076747655869},{"text":"Yeah.","start":2936.977,"end":2937.477,"sentiment":"neutral","sentiment_score":-0.0610303059220314}],"sentiment":"neutral","sentiment_score":0.11823813368876775,"num_words":6,"start":2934.4968,"end":2937.477}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hello, you said Matthew?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. I don't know what happened there. It was my phone or your phone that disconnected.\n\nChannel 1: Yeah. I'm not sure. Yeah. Yep.\n\nChannel 0: You can hear me okay, though?\n\nChannel 1: Yep. All good.\n\nChannel 0: Yeah. Now I don't know if you if you did hear it, but I was saying in regards to your superannuation and insurances. So for your superannuation because insurances and superannuation does not automatically form part of the estate. So you can make separate nominations for it. So for your superannuation, I have Wendy nominated.\n\nYou're still happy with that?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. We don't actually have a nomination for your insurances, though.\n\nChannel 1: Alright.\n\nChannel 0: So we're going\n\nChannel 1: I've I've filled\n\nChannel 0: yeah.\n\nChannel 1: it I filled out forms for that, and I sent them away. So I don't know what happened.\n\nChannel 0: Did you send it by post or email? Do you remember?\n\nChannel 1: Because it's been a couple of times it's been disputed. I've done it, and then I've sent sent the envelope away. Yeah. Okay. Yeah.\n\nBecause I've done it through yeah. You're saying the insurance one. Not that I actually sent it directly to them, I thought. Yeah.\n\nChannel 0: Because, yeah, normally, it would be, like, you just send it back to us, and then\n\nChannel 1: Yeah.\n\nChannel 0: we would action that for you.\n\nChannel 1: Yeah. I've done\n\nChannel 0: Sometimes\n\nChannel 1: I've done a cup couple times.\n\nChannel 0: that's frustrating\n\nChannel 1: Yeah.\n\nChannel 0: for you. Do do you do you remember was that with the return envelope you send it?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. I will triple check the system\n\nChannel 1: Yeah.\n\nChannel 0: to make sure. But if not, do you have access to a printer by any chance?\n\nChannel 1: Yeah. Dodgy one. It's it works.\n\nChannel 0: Okay.\n\nChannel 1: I know what happens. We yeah. My wife uses it for, like, a yeah. It doesn't yeah. We do.\n\nBut\n\nChannel 0: Okay.\n\nChannel 1: yeah. If you want me yep.\n\nChannel 0: Because what I can do otherwise, especially if it is, like, you've if you've already completed it and send it back and then just never came back to us, that's obviously a bit frustrating for you and never know. Sometimes with our folks that what we could do instead so that you don't have to complete it again is that I can get the team to email it through you. Because you are making a legal nomination, it just have to be printed and website. And\n\nChannel 1: Okay.\n\nChannel 0: then\n\nChannel 1: Yeah.\n\nChannel 0: if you just scan it and email it back, then we know for sure that it's come back to us.\n\nChannel 1: Because I've sent another one recently, like yeah. Because I've done\n\nChannel 0: Okay.\n\nChannel 1: it before, and then I sent one\n\nChannel 0: Mhmm.\n\nChannel 1: again in the last, maybe, six weeks ago or something like that. So\n\nChannel 0: Okay.\n\nChannel 1: could it would it be would it be updated by then? Yeah.\n\nChannel 0: You should have reached us by now, especially\n\nChannel 1: Yeah.\n\nChannel 0: because you guys are in Queensland as well. So it's not like you're over in WA or something and the post is a little bit slower. But I will go and check with the the admin team to see if they've received the recent one and see where that was at. And that was for your AAA insurances hub 24 because the hub 24 is definitely in place. Do you remember if you did two forms?\n\nChannel 1: Yeah, because the the hub one's in place, you're saying. Yes.\n\nChannel 0: Yes. That's\n\nChannel 1: And\n\nChannel 0: correct.\n\nChannel 1: then\n\nChannel 0: Yeah.\n\nChannel 1: the and then the other one, I sent I thought it went directly to them. Thought it was addressed on the on the\n\nChannel 0: Okay.\n\nChannel 1: envelope. Maybe\n\nChannel 0: Okay.\n\nChannel 1: maybe that wrong. Yep.\n\nChannel 0: Because, usually, just to make it streamlined and easier, we say like, on the return envelope, it has our address, so it just automatically sends it back to us so that we can\n\nChannel 1: Yeah.\n\nChannel 0: make\n\nChannel 1: Right.\n\nChannel 0: sure it's all, you know, put in place correctly. But I will check with the team. And if it is that it hasn't arrived, then when we catch up in a few weeks, I will let you know. And then that way, we can see if we can get you another form to make sure we get that sorted because we wanna make sure we have that in place for your insurances as well.\n\nChannel 1: Yeah. Yeah. For sure.\n\nChannel 0: Yep. Alright. Perfect. Now I'll kind of skip over goals and stuff for now given we are catching up with Wendy as well, and we can work on it together.\n\nChannel 1: Yeah. Yes.\n\nChannel 0: Before your otherwise, when it comes to how your money is invested into preannuation, which can be very individual, is that I'll just go through a couple of multiple choice questions with you there, Matthew, just to see how you feel about your level of risk and market fluctuation. Now there's no\n\nChannel 1: But\n\nChannel 0: right or wrong answer.\n\nChannel 1: that the only thing I'd like to say too because I I just wanna double check where I am, where where I've\n\nChannel 0: Yes.\n\nChannel 1: had the growth what the growth is because I'm visually conservative to my wife's office and I just wanna see the difference what may being conservative means. But we can change\n\nChannel 0: Yes.\n\nChannel 1: that down the track up the answers, can't I? You know, down\n\nChannel 0: 100\n\nChannel 1: the track\n\nChannel 0: percent.\n\nChannel 1: as well.\n\nChannel 0: 100\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: 100%. So\n\nChannel 1: Yeah.\n\nChannel 0: even\n\nChannel 1: Yeah.\n\nChannel 0: if you tell me, yeah, you you feel like you are comfortable with the level of risk when we do get together, if you say, no. Actually, I'm more defensive or do you know what? I'm more comfortable with the risk, because that could also play a role with however her investments are invested. If that's a different risk profile, that can also play a role into it if it's\n\nChannel 1: Yeah. I'm\n\nChannel 0: if it's\n\nChannel 1: I'm\n\nChannel 0: a little bit different.\n\nChannel 1: yeah. Because I'm almost more conservative. So that's\n\nChannel 0: Okay.\n\nChannel 1: why I probably need to change. So but in yeah. I'll I'll go through it. But yeah.\n\nChannel 0: Yeah. Now, basically, have you ever bought direct shares on the stock market yourself?\n\nChannel 1: Me?\n\nChannel 0: Like,\n\nChannel 1: No.\n\nChannel 0: shares or nope.\n\nChannel 1: Not not not not as more given, you know, where it's continuation. I mean, yeah.\n\nChannel 0: No. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yes. Perfect. Now when it comes to the level of risk that you are comfortable with for your superannuation, So just hypothetically speaking, would you say that you are comfortable with very high risk, high\n\nChannel 1: No.\n\nChannel 0: moderate, or a very small\n\nChannel 1: Margaret.\n\nChannel 0: moderate? Yep. Perfect. That's what we had last time as well. And if you ever saw big market fluctuations, would you say that if at the time of investing, if things were down, would you want to take advantage of that by buying more while the prices are down, or would you kind of hold and\n\nChannel 1: Yes.\n\nChannel 0: wait to see what happens?\n\nChannel 1: I think I would need to consider borrowing. Yep.\n\nChannel 0: Mhmm. So potentially invest a little bit, obviously, depending on the situation\n\nChannel 1: Yeah.\n\nChannel 0: and the investments and stuff. Yep. Perfect. And if you ever saw any fluctuations in any assets, so any of your the personal shares that you had before or superannuation, if you saw that it was down, would you feel optimistic about potential investment opportunities in the future as a result? Would you be kind of kind of a little bit cautious?\n\nYou do not wanna put any more in, or would you say you'd be concerned or highly anxious?\n\nChannel 1: We are more cautious, I suppose.\n\nChannel 0: A bit more cautious. Yep. Perfect. And last one is, would you ever consider taking out a loan to invest in stocks or funds?\n\nChannel 1: Well, I'll be consider, but that's considers doing and considering is three\n\nChannel 0: Yeah.\n\nChannel 1: different things. It's\n\nChannel 0: Yep. Yep.\n\nChannel 1: yeah. Consider it, like, because other once we have a talk with Wendy and then we go through it, and that's where we consider it\n\nChannel 0: Yep.\n\nChannel 1: because you you if you're not in it together, then what's the point? But yeah.\n\nChannel 0: Yes. No. Perfect. Now, Matthew, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested\n\nChannel 1: Yep.\n\nChannel 0: in.\n\nChannel 1: Yeah. I don't change. Yeah.\n\nChannel 0: Yeah. But it's also good because it means that it's like your your kind of how you feel about fluctuations even with, like, the last twelve months, obviously, seeing a bit of fluctuations in the market, which I'm sure you've heard on the news with everything that's happened in the last twelve months. First, obviously, Trump and tariffs and everything and, obviously, more recently, the war. It also means that you kind of understand that there will be some ups and downs and market fluctuations, and that, obviously, it makes you a little bit cautious. You're not someone to just jump in and take a lot of risk, but you also kind of understand that, you know, there will be some level of full term fluctuation in order to making sure that we continue to grow your superannuation.\n\nChannel 1: Yep.\n\nChannel 0: Now what we also factor in when it comes to the risk profile is making sure that you have enough time in the market for those fluctuations. So, typically speaking, in a growth portfolio, we want to allow a minimum of six years until retirement just to make sure you have enough time. So if you are planning around that sixty four, then you do have that six years behind you if\n\nChannel 1: Yeah.\n\nChannel 0: something, you know, fluctuations in the market. So from a time frame point of view and the answers, a growth seems to be suitable as long as at least for for right now, you are comfortable with the level of risk that you are currently in.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Now, Matthew, do you have access to your emails at the moment or\n\nChannel 1: Yep.\n\nChannel 0: not really? Yeah? Okay.\n\nChannel 1: Yep.\n\nChannel 0: So what I have done is I have sent you an email with some documents to run through quickly, which shows where your super balance is at and also your insurances and performance and everything. Now we have\n\nChannel 1: Yeah.\n\nChannel 0: just Oh, perfect. Yep. So if you can open that one now, it will say, I think, sign now. The\n\nChannel 1: Yep.\n\nChannel 0: but it will still allow you to open up and view everything before it gets you to to sign anything just to make sure you are happy first. Now when you open it up, it should show you your super and insurance summary first. Let me know if you can see that.\n\nChannel 1: I've got the summary of Superannuation Insurance, third of second July two thousand twenty six.\n\nChannel 0: Yeah. Beautiful. So you can see here that you have your superannuation with hub twenty four, and you do have $284,737 in there. Now you also have some insurances underneath that. So you have your insurances with AIA.\n\nChannel 1: Yep.\n\nChannel 0: Now, actually, before I do go into that, I can see on your account so that would be a conversation for the two of you if you are happy with that. But Hub twenty four, which is where you have your super, they allow for something that's called family linking. So what you can do is you can actually link your super accounts kind of in in in the back end. And what that allows you to do is you can have either side over each other's superannuation if you want to just as, like, a viewing so that you can\n\nChannel 1: Yeah.\n\nChannel 0: look\n\nChannel 1: Right.\n\nChannel 0: at everything together.\n\nChannel 1: Yep.\n\nChannel 0: But what it also does is it depending on how much you guys have jointly, it it reduces the admin fee a little bit. So it does make it cheaper. So instead of the admin fee, because it's usually calculated based on your balance, if you have the two together, they calculate it as if that's your super balance, and you do get a discount with a higher balance. So that is\n\nChannel 1: Yep.\n\nChannel 0: something we can look at. So if there's any way we can, obviously, reduce that fee for you at any means, even just like a platform fee, then that is good. As long as you both are comfortable seeing each other's accounts, then that is something we can organize for you guys as well.\n\nChannel 1: Yep. Right. Yeah.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Would you be comfortable with that?\n\nChannel 1: I'm comfortable. So I'll I'll just check with Wendy because she's a a sometimes I'll on one of those ones that probably ask him any questions. So she'd probably like me to actually be able to be able to view it. So but then\n\nChannel 0: Yes.\n\nChannel 1: it's up to her, like, when she wants me. But, yeah, she'd probably yeah. She'd she'd rather, here, look at it. You make yeah. I don't need to go into detail about it.\n\nSo she\n\nChannel 0: Yeah.\n\nChannel 1: might\n\nChannel 0: Yes.\n\nChannel 1: suit us. I don't know. It\n\nChannel 0: We\n\nChannel 1: runs\n\nChannel 0: can\n\nChannel 1: sick.\n\nChannel 0: chat about it together and\n\nChannel 1: Yeah.\n\nChannel 0: see. And, yeah, sometimes couples find it easy because it's like, if you log in to your account, there's a drop down where you could check her account. Or is that something that she's, like you say, look a lot more and a bit more proactive, then she can also\n\nChannel 1: Yeah.\n\nChannel 0: look and view at yours\n\nChannel 1: Yeah.\n\nChannel 0: so then\n\nChannel 1: But\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: guys\n\nChannel 1: think\n\nChannel 0: can\n\nChannel 1: it'll\n\nChannel 0: both\n\nChannel 1: say,\n\nChannel 0: see.\n\nChannel 1: yes. It'll say, like, if she is proactive, she might wanna just touch on mine and see what mine's doing. But yeah. Well,\n\nChannel 0: Yeah.\n\nChannel 1: because yep.\n\nChannel 0: And it's\n\nChannel 1: Because\n\nChannel 0: just\n\nChannel 1: if\n\nChannel 0: like\n\nChannel 1: mine\n\nChannel 0: a viewing. She wouldn't be able\n\nChannel 1: yeah.\n\nChannel 0: to do anything without\n\nChannel 1: Yeah.\n\nChannel 0: your permission, but it's\n\nChannel 1: Yep. Yep.\n\nChannel 0: looking at it. But we can I'll just put a little note, and we can chat about that next time. Because,\n\nChannel 1: Yep. Yep.\n\nChannel 0: yeah,\n\nChannel 1: Yep.\n\nChannel 0: if there's a way that we can reduce administration fees, we'd have 24, then that's just the bonus.\n\nChannel 1: Yeah.\n\nChannel 0: But with your insurances, though, so you have life and total permanent disability insurance. Now that is paying $481,572. If something were to happen to you and you were to pass away or if you were to become totally and permanently disabled. Now\n\nChannel 1: Silly\n\nChannel 0: with\n\nChannel 1: question.\n\nChannel 0: that level\n\nChannel 1: When\n\nChannel 0: yeah.\n\nChannel 1: when does that when does that stop? Like like, what age does it you don't get the benefit when you when you've passed away? Silly question.\n\nChannel 0: They do have each each insurer have a different time frame, and it also depends\n\nChannel 1: Yeah.\n\nChannel 0: on the product of when\n\nChannel 1: K.\n\nChannel 0: so every year, they update their product disclosure statement. So it also\n\nChannel 1: Yep.\n\nChannel 0: depends on that. Life insurance, though, tend to be around 85 to a 100. Total permanent disabilities tend to be slightly different. It's sometimes between 60 and 70, and sometimes depending on the time frame, it could convert to a different type of definition,\n\nChannel 1: Yeah. Because\n\nChannel 0: unless\n\nChannel 1: I haven't\n\nChannel 0: you\n\nChannel 1: really\n\nChannel 0: decide\n\nChannel 1: thought\n\nChannel 0: to cancel it.\n\nChannel 1: I haven't really thought about it, but but with I'm not sure. Well, do most people have it? And then what about like, if you pass when you say say my parents or something. So I did\n\nChannel 0: Yep.\n\nChannel 1: say and they pretty much would be, like, you know, my sort of but yeah. So they would then get a pay the other part, they would get, like, when when one of them pass, I get a pay that, like, 500,000 or something like that. Like, is that what you're saying? Like, you know, equivalent to mine. So if I if I pass it on 75 or whatever that they get that when you would get that amount.\n\nIs that right? I'll\n\nChannel 0: Yeah. So,\n\nChannel 1: just\n\nChannel 0: basically, if you\n\nChannel 1: put\n\nChannel 0: were to pass away tomorrow, you she would\n\nChannel 1: yep.\n\nChannel 0: get 481,500 and\n\nChannel 1: Yeah.\n\nChannel 0: 72 life plus your superannuation.\n\nChannel 1: Yeah. And then yeah. And that's happened, like, another\n\nChannel 0: Mhmm.\n\nChannel 1: ten years, and I was I was told that, yeah, she would get that amount as well.\n\nChannel 0: Correct.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Sometimes there is indexation, which looks like your policy is, which means that every single year, it will increase slightly with inflation\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: stuff.\n\nChannel 1: Because it it increases your chance of dying. So yeah. I mean yeah.\n\nChannel 0: And sometimes as well, it's, like, it's built in, and you can still reduce it whenever you want to.\n\nChannel 1: Yeah.\n\nChannel 0: But it\n\nChannel 1: Right.\n\nChannel 0: is built in as well, so if you accumulate more debt or or anything like that, you might need more cover. Now often, it's more where you see depends on, obviously, your situation, but you have more kind of younger families or you have, obviously, financial dependents at home. So you still have, obviously, expenses. And with living costs continue to go up, you might\n\nChannel 1: K.\n\nChannel 0: you know, let's say ten years ago, 400 may have been okay, but equivalent today, that might be closer to, you know, 5 or 600,000 to cover the same amount of things. So\n\nChannel 1: Yeah.\n\nChannel 0: that's why it kind of continues to go up. But, often, also, what's important is making sure it's still applicable for you. Because at\n\nChannel 1: Yep.\n\nChannel 0: the same time, every single year, so the older you get, it gets more and more expensive. So at the same time, as you wanna have the cover in place, you also wanna make sure it doesn't get too expensive. And if you don't need that much cover, you can reduce it to make it cheaper. But then, obviously, the trade off is, well, you have less if something were to happen.\n\nChannel 1: Yep.\n\nChannel 0: So with your life and pay payday, do you feel like that level of cover will meet what your goals and wishes are if something were to happen to you? Tricky one.\n\nChannel 1: Alright. Pretty much. Yeah. Because you've got a balance of what you actually the benefits\n\nChannel 0: Correct.\n\nChannel 1: for both of us,\n\nChannel 0: Yeah.\n\nChannel 1: you know, benefits for the moment. So, yeah, probably yeah. I'm yeah. Happy with like, when\n\nChannel 0: Copy copy\n\nChannel 1: I say\n\nChannel 0: for now?\n\nChannel 1: happy with them, I'm I'm\n\nChannel 0: Yes.\n\nChannel 1: comfortable with\n\nChannel 0: Yes.\n\nChannel 1: it for the moment. But yeah. You know, you got, like so it's got, like, approximate benefit is 284,000 for my super. So what what grace did I have What that feels like that didn't\n\nChannel 0: Sorry. The next document will show\n\nChannel 1: change?\n\nChannel 0: you that, actually. It\n\nChannel 1: Yeah.\n\nChannel 0: will show\n\nChannel 1: Right.\n\nChannel 0: you exactly\n\nChannel 1: Yeah.\n\nChannel 0: what happened\n\nChannel 1: Yeah. Right.\n\nChannel 0: in the\n\nChannel 1: Yeah.\n\nChannel 0: last twelve months\n\nChannel 1: Yep. Yep.\n\nChannel 0: so we can go through that.\n\nChannel 1: Yeah.\n\nChannel 0: But with so, obviously, with your life and TPD, that would obviously come cover the the mortgage on the investment property. So then if something happened, you wouldn't\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: Yeah.\n\nChannel 0: to sell that, and it obviously leaves a little bit of extra to a state. Now\n\nChannel 1: Yeah.\n\nChannel 0: the other one you have is your income protection. So that will pay you a monthly amount if you are temporarily unable to work. Now you have a thirty day writing period and a five year benefit period on that. Are you still happy with your income protection?\n\nChannel 1: I wanna say, like, I I don't wanna spend too much on them because you don't really it's a bit of a had really anyway.\n\nChannel 0: Yeah.\n\nChannel 1: Like, you sorta it sorta you get a little bit of benefit, but you don't get you know, like,\n\nChannel 0: Mhmm.\n\nChannel 1: you can put too much towards it because you actually because that gets me 30 day break, so that's one month.\n\nChannel 0: Mhmm.\n\nChannel 1: So and then how long you you only get it for a short period, don't you?\n\nChannel 0: Yep. You have five years. So up to five years, you\n\nChannel 1: Yeah.\n\nChannel 0: can get an\n\nChannel 1: Just\n\nChannel 0: income\n\nChannel 1: five.\n\nChannel 0: replacement.\n\nChannel 1: Yeah. Yeah. But then there's all these. I'm sure you look into it. There's so many but it so many, what do you say, Why is you can't get it?\n\nIt feels like like\n\nChannel 0: So\n\nChannel 1: like, yeah.\n\nChannel 0: so so with TPD, that is the hardest one to claim on because that is basically where you have to have two doctors to sign off on the fact that you can never go back to work again. And that's going to be a lump sum payment payout. Now income protection is a little bit easier,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: but it's still proving that you are temporarily\n\nChannel 1: Yeah.\n\nChannel 0: unable to work. It doesn't have to be happening at work. It could be an illness or injury or anything that\n\nChannel 1: Yeah.\n\nChannel 0: would mean that you cannot work for a while. You have to meet the definition on the waiting period, which means you have to wait that thirty days before the income replacement will start. And, typically, every month, the doctor would do an assessment to check-in. Are you still off work and how are things going? And if you're still off work, then they'll kind of continue that payment, if\n\nChannel 1: They what's gonna\n\nChannel 0: that makes\n\nChannel 1: say about\n\nChannel 0: sense.\n\nChannel 1: that? So is it you have to send us information on that or we're we're trying to look into\n\nChannel 0: Yes. So\n\nChannel 1: that\n\nChannel 0: on the document, which will be\n\nChannel 1: again?\n\nChannel 0: not the next one, the one after that, it has\n\nChannel 1: Yeah.\n\nChannel 0: your AIA insurance in a bit more detail. So it breaks down\n\nChannel 1: Yeah. Right.\n\nChannel 0: everything. So even if you want to go and have a chat to, obviously, Wendy, see what you wanna do. And then when we get together, all of us see if you wanted to make a change\n\nChannel 1: Yeah.\n\nChannel 0: or whether\n\nChannel 1: Yep.\n\nChannel 0: you're happy with it. Because it also factors in well, income protection is great if if you cannot meet your living expenses or anything like that with your income, and that will, you know, mean that you'd have to move or you can't do anything, then income protection becomes very important because, obviously, your income won't be there. But at the\n\nChannel 1: Yep.\n\nChannel 0: same time, if you guys are living quite comfortably and can, let's say, live financially on just Wendy's wage, for example, and you don't need your income, then that could be a different question.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Does that make sense?\n\nChannel 1: As in when you say it's a different question.\n\nChannel 0: Like, as in would you guys need need the income protection in place?\n\nChannel 1: Yeah.\n\nChannel 0: Because, obviously, you were paying for it.\n\nChannel 1: Yeah. I'll have I'll I'll have to\n\nChannel 0: Mhmm.\n\nChannel 1: I'll I'll go through and have a look at what's under.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Because those three are costing after a tax rebate about 5,507 per year.\n\nChannel 1: Yeah. It's a tough one.\n\nChannel 0: Yeah.\n\nChannel 1: You're damned\n\nChannel 0: Yeah.\n\nChannel 1: if you do it damned if you don't. So yeah.\n\nChannel 0: Exactly.\n\nChannel 1: I'm sorta\n\nChannel 0: Because you\n\nChannel 1: I'm always cautious with it because\n\nChannel 0: yeah.\n\nChannel 1: you don't, yeah, you don't really know, but, like\n\nChannel 0: No.\n\nChannel 1: yeah. So yep.\n\nChannel 0: And then you would hate to obviously, if something were to happen, it is yes. It's 5,500, but that's per year. You would get an income replacement of about 4,800 per month. So if something were to happen, obviously, insurances is one of those things. Like, you never want to be able to use it, but then you're paying for something you never used.\n\nBut then the ramifications financially, if you don't have it in place, can be quite severe.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So, yeah, have have a think about it. And then when we catch up\n\nChannel 1: Yeah.\n\nChannel 0: next time, if you wanna make any changes, if you wanna reduce any cover amount, if you wanna\n\nChannel 1: I'd\n\nChannel 0: leave it, you just let me know. Okay?\n\nChannel 1: say. Yep.\n\nChannel 0: Yep. Otherwise, when it comes to the super performance, so that should be your next report, which\n\nChannel 1: Yep.\n\nChannel 0: should say have a 24 performance report, performance\n\nChannel 1: Okay.\n\nChannel 0: with IRR. Does it say that at the top?\n\nChannel 1: I just got out of that one just saying. Sorry. Do I get out the signed document bit and just have a look another one? That's it.\n\nChannel 0: It would just be next. I think if you press next, there should be another attachment\n\nChannel 1: Alright.\n\nChannel 0: after\n\nChannel 1: Okay.\n\nChannel 0: the super and assurance.\n\nChannel 1: Yeah. You're right. Okay. Seems quite good. Okay.\n\nNext document. Yeah. I've\n\nChannel 0: Yeah.\n\nChannel 1: already had\n\nChannel 0: Yes.\n\nChannel 1: some of the screen.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Perfect. Now that one here shows your portfolio over the last twelve months.\n\nChannel 1: Yep.\n\nChannel 0: So to answer your question, what was your future balance at the start of this period, so on the 07/02/2025.\n\nChannel 1: Yep.\n\nChannel 0: It was at you can see on the so, basically, the second column says market value start of period. At the bottom, it says total.\n\nChannel 1: I think yeah. Yep.\n\nChannel 0: So that tells us it was $250,923.37.\n\nChannel 1: Yep. Alrighty.\n\nChannel 0: Yep.\n\nChannel 1: So how much growth is that assigned to the over that period?\n\nChannel 0: For the last yes. Excellent question. Now if you scroll through second page, page two out of two, it should\n\nChannel 1: Yep.\n\nChannel 0: show you just an overview of the total portfolio. Now this is all after fees as well. So if you look on the second column to the right where it says internal rate of return, that shows us how your investments\n\nChannel 1: Yeah.\n\nChannel 0: alone did after fees. So it was still up by 7.7%, which is pretty good given the market conditions we have had in the last twelve months.\n\nChannel 1: Yep. Because We're trying to work out, like yeah. Because Wendy's one is like she because she's been aggressive. She's I think she had, like, twenty five, twenty six percent or something. So oh, maybe I should be getting her to do mine for me.\n\nYeah.\n\nChannel 0: We can definitely have a look at that together because then it's also\n\nChannel 1: Yeah.\n\nChannel 0: what you are comfortable with. Because\n\nChannel 1: Yeah.\n\nChannel 0: with that, I I won't be able, obviously, to disclose her for privacy while she's not on the phone.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: But, otherwise, you can some years, if you are if you are an aggressive portfolio, some years, depending on what you invest in, will be fantastic. Other years\n\nChannel 1: Yep. Yeah.\n\nChannel 0: can be down quite a lot. So you also then wanna make sure you are comfortable with that. So if when there are mark market turbulence, would you be comfortable with, let's say, one in every five years being a negative to offset that, or would that kind of make you a bit worried? So that also comes into play,\n\nChannel 1: Yeah. I suppose\n\nChannel 0: if that makes sense.\n\nChannel 1: yeah. That yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: the thing to yeah. Well, I'll just I'll plot along. That's that's just me. I'll plot along doing that. So yeah.\n\nWhen but she's but in saying that yeah. And there's no guarantees, like yeah. But\n\nChannel 0: Correct.\n\nChannel 1: since she's back she since she's taken it on, she's, yeah, she's had grace since she's\n\nChannel 0: That's\n\nChannel 1: since\n\nChannel 0: correct.\n\nChannel 1: she's sort of taken her taken her you know, taken her own control out of it. So, yeah, she's\n\nChannel 0: Yeah.\n\nChannel 1: yep.\n\nChannel 0: But what we should do anyway is have a look at the investments for you. Because when you scroll up to page one, you can see that that what there is one investment that I wanna look at swapping for you, but we can do it all together because you have to go it in in the advice piece and put a\n\nChannel 1: Yep.\n\nChannel 0: strategy together, is your\n\nChannel 1: Yep.\n\nChannel 0: first one, and that is your Benelon Australian equity. Now that one has underperformed in the last twelve months. And not always when an investment is down do we wanna sell and swap it if we foresee it coming back around because you don't wanna sell it when it's down if there's a chance of it bouncing back quickly. But at the\n\nChannel 1: Yep.\n\nChannel 0: same time, we wanna be proactive. And if we, you know, do all the research and feel like it's not going to be the best option moving forward and there are better alternative options that will put you in a better position, we wanna look at considering changing it. So that one is one that I would\n\nChannel 1: Yeah.\n\nChannel 0: like to look at changing out of your portfolio. The\n\nChannel 1: Yeah.\n\nChannel 0: rest of your investments have done pretty good. But that, again, could be something\n\nChannel 1: Yeah.\n\nChannel 0: where if we have you and Wendy together, we can look at, okay. What does she have? What do you have? What risk profile are you in? What risk profile is she in?\n\nWhat are you both comfortable with? And then kind of working on everything together, whether that is swapping a couple of yours or depending on what you are comfortable with to make sure you are both aligned. But also trying to get you through, you know, so you can retire at 64 when she retires as well.\n\nChannel 1: Yep. And because one one\n\nChannel 0: Yep.\n\nChannel 1: of the things I did we did change from we well, I used to be in Sunsuper that went over to,\n\nChannel 0: A r\n\nChannel 1: what\n\nChannel 0: t,\n\nChannel 1: do you\n\nChannel 0: Australian\n\nChannel 1: call\n\nChannel 0: retirement\n\nChannel 1: it?\n\nChannel 0: address?\n\nChannel 1: Yeah. The the one that\n\nChannel 0: Yes.\n\nChannel 1: the teachers yeah. And\n\nChannel 0: Yep.\n\nChannel 1: that that was pretty bad at one stage, but, like, it sorry. When it was the one to go to, like, for, you know, up until five, whatever it was, five, six years ago. And then it took a bit of a bit of a downturn, but that's gone back up again. Hasn't it really?\n\nChannel 0: Yeah. It depends on what you are\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: often, it's like the fees can be a little bit cheaper, but the investment performance tend not to outperform the custom portfolio.\n\nChannel 1: Yep.\n\nChannel 0: But it's something we wanna continue to review because things are always changing, like you said. So part of the process if we, you know, put together a joint strategy for the two of you is that I wanna look at your super funds as well, which is what we always do. Because\n\nChannel 1: Yep.\n\nChannel 0: just because Hub twenty four was the best option for you when you came on board and that investment portfolio does not mean it's always going to be the case,\n\nChannel 1: Yeah.\n\nChannel 0: because\n\nChannel 1: So\n\nChannel 0: things\n\nChannel 1: for\n\nChannel 0: are\n\nChannel 1: Wendy,\n\nChannel 0: always\n\nChannel 1: it\n\nChannel 0: changing.\n\nChannel 1: is because it it works for Wendy because she yeah. She's been able to be aggressive and go for it. But\n\nChannel 0: Yeah.\n\nChannel 1: for someone like mine, whether I just need them to be, well, you know, like, it just yeah. Overall, you know, it's a high performing super rather you know what I mean? Rather than\n\nChannel 0: Yeah.\n\nChannel 1: having to be aggressive. So I'm not\n\nChannel 0: Yeah.\n\nChannel 1: sure whether yeah. It whether it's me whether from my point, it's worth considering just the one that sort of takes takes care of itself a bit more and and\n\nChannel 0: Yeah.\n\nChannel 1: it's performing a lot better rather than being individually going for it. But, yeah, I'm not really\n\nChannel 0: Yeah.\n\nChannel 1: sure. Yeah.\n\nChannel 0: And that will be part of the research that we would do as well. Sorry. I'll always consider all super funds, but I can specifically look at the ART for you as well and\n\nChannel 1: Yeah.\n\nChannel 0: look at a similar level of risk and then do a comparison. Because at the end of the day, we are not bound by hub 24, and we are bound as an adviser by the best interest you do, which is also making sure that whatever I recommend to you, the same will be for for when this adviser will put you in the best position. And if we do research and we see, okay. Well, I AARP is a lower risk, it's cheaper, and better performance, then that's what I will recommend. But\n\nChannel 1: Yeah.\n\nChannel 0: if it's not performing as well and a lot more fluctuations of volatility and stuff like that, then I will not recommend it. So we're factoring everything along with capital gains tax and everything to then make a recommendation of what is going to be the best for you.\n\nChannel 1: Yeah. Yeah. Yeah. Definitely.\n\nChannel 0: Yep. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. But, otherwise, HUB twenty four and the platform is very competitive. Now I personally use HUB twenty four for my superannuation as well. So it\n\nChannel 1: Yep.\n\nChannel 0: is quite competitive to other similar if you're looking at more of your sophisticated platforms because it is pretty cheap for what it offers, and there's\n\nChannel 1: Yep.\n\nChannel 0: hundreds and hundreds of different investment options to choose from.\n\nChannel 1: Yep.\n\nChannel 0: So it is very competitive, but it is something we always want to reassess through the research and through a strategy and making sure that still aligns with your goals and where you are at in this stage in life as well.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now not much to go, but the next document, if you press next, what is that one? It's either your AIA insurances or the Vanguard chart.\n\nChannel 1: The Vanguard shop.\n\nChannel 0: Yep. So you probably have seen this one before, but it is a good visual representation of what we are talking about when we're kind of talking about market fluctuations. So you can basically see here, it goes back from 1995 through to 2025. Now it does break down the different asset classes as well. So you can basically see that over the long term, market always goes up.\n\nChannel 1: Yep.\n\nChannel 0: The short term, there will be some ups and downs and market fluctuations depending on what is going on in the world. Now you can see your growth investments. So in a growth portfolio, we typically have about 80% in base. That is your top four together. So you'll have your US shares, which you can see have grown the most, also fluctuate the most, though.\n\nYou\n\nChannel 1: Yep.\n\nChannel 0: have your Australian shares, international shares, and your property. Now that is your growth investment. And then you have\n\nChannel 1: Yep.\n\nChannel 0: about 20% in defensive, those bottom three. So you can see that they're a bit more stable. They don't grow as much, but they also don't fluctuate as much. So it's\n\nChannel 1: Yep.\n\nChannel 0: then also a level you're comfortable. So if you are in, let's say, an aggressive portfolio, you tend to have a 100% in those top four. Obviously, you're gonna have more fluctuations, but when things are going good, you'll have a higher growth.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now the next two should be your AIA insurances.\n\nChannel 1: So I gotta buy for it. Oh, yeah. Next document. Yeah.\n\nChannel 0: Yep. Yep. Now these are the two so you'll have two documents. One is for your life and TPD. The next one is for your income protection.\n\nNow these are the ones that break down those insurances in a bit more detail. So it's all kind of the numbers and the the premium, so how much it costs that we went through in the first document. It just breaks it down in a little bit more detail. So even if you wanna look at this with Wendy and seeing what you think, and then let me know if you want to make any changes.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now after that, do you have a OTU services guide?\n\nChannel 1: The what? Sorry. The I was I was just looking at that priority protection policy where it said double crisis recovery will automatically convert to crisis recovery on a policy anniversary before the life insured 60 or 50 birthday.\n\nChannel 0: So that's if you have, like, a double a double pole like, a double built in. So there's a lot of different features you can have\n\nChannel 1: Yeah. Right. I have my head.\n\nChannel 0: onto it. So, yeah, whether you have, like, a a double crisis recovery, then that will will change,\n\nChannel 1: Yep. Yeah. Right.\n\nChannel 0: yeah, depending on that. So same with, like, the double universal TPD. So there's a lot of, yeah, a lot of different things built into the policies. Now on\n\nChannel 1: Yeah.\n\nChannel 0: your income\n\nChannel 1: Did you\n\nChannel 0: protection\n\nChannel 1: say next time?\n\nChannel 0: mhmm.\n\nChannel 1: Sorry.\n\nChannel 0: Yes,\n\nChannel 1: Sorry. Yeah.\n\nChannel 0: please.\n\nChannel 1: You're right. You just say I got an expungement. Yeah?\n\nChannel 0: Yeah. Yes, please.\n\nChannel 1: Yep.\n\nChannel 0: Which would be another AIA, but it will be your income protection.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Now if you scroll down, you will see on summary of policy benefits, you will see two. There is only one income protection, but the retirement protector indemnity, which is listed, that is basically if you were to be on claim. Obviously, you're not gonna work, but it will continue to pay contributions into superannuation even though you are not working. So it's like another kind of little benefit.\n\nSo making sure that your super doesn't\n\nChannel 1: Yeah.\n\nChannel 0: get eroded if\n\nChannel 1: Right.\n\nChannel 0: you are off work for five years. Yep. Now if you wanna press next for me.\n\nChannel 1: Option to provide text phone number.\n\nChannel 0: Yep. Now this is one where it will ask you for your signature if you are happy to do so, and that is it's just a compliance form to say we are keeping your tax file number secure and safe on file.\n\nChannel 1: Yep. Alright. Yeah.\n\nChannel 0: So it will ask you for your signature, and it usually automatically adds a date as well.\n\nChannel 1: Let's I see the the date. I didn't see on it, but if I it says sign all and it says go on name. So I just hit sign all.\n\nChannel 0: Yes.\n\nChannel 1: Yep. And the date. Oh, okay. The date didn't go in.\n\nChannel 0: Okay.\n\nChannel 1: Oh, no.\n\nChannel 0: Is\n\nChannel 1: It did.\n\nChannel 0: it?\n\nChannel 1: Yeah. It\n\nChannel 0: Okay.\n\nChannel 1: it clicked\n\nChannel 0: Yeah.\n\nChannel 1: in. It's clicked in after the overall. Yep.\n\nChannel 0: Because usually it\n\nChannel 1: Yep.\n\nChannel 0: does automatically, but you never know. Sometimes it depends on what phones and stuff.\n\nChannel 1: Yeah. My\n\nChannel 0: Now\n\nChannel 1: Dodge\n\nChannel 0: what's\n\nChannel 1: area.\n\nChannel 0: the now what's the next document, Matthew?\n\nChannel 1: Next one is a view services guide.\n\nChannel 0: Yes. Now this one here, again, you probably have seen it a couple of times. It is one of those compliance documents as well, but it does give you all the important information in regards to all of us here at Oakview. If you just scroll through it, you will see that none of the important information has changed, but we've had a bit of an update to our marketing. So you might see a couple of new photos and also a bit of an extension to the team.\n\nNow\n\nChannel 1: Okay. Yeah.\n\nChannel 0: as you scroll through, you will actually see myself, if you wanna put a face to the voice. And I am right next to Dana who was the last adviser you spoke to for your last interview.\n\nChannel 1: Okay. Yeah. All good.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And sometimes it's nice, especially as we do things over the phone, to kind of see who who we're talking to. Yeah.\n\nChannel 1: Yeah. I just I always these days. I was like, oh my god. Yeah. Yeah.\n\nYou know, but you know what I mean? Like, we get we're so used to talking to robots and\n\nChannel 0: Yeah.\n\nChannel 1: we get it is\n\nChannel 0: It's\n\nChannel 1: like it\n\nChannel 0: like a\n\nChannel 1: it's\n\nChannel 0: person.\n\nChannel 1: just it's it's it's so impersonal. It's, like, twenty years ago,\n\nChannel 0: Yeah.\n\nChannel 1: thirty years well, twenty five years ago, we went into the office to see it. Not saying you couldn't do it. I'm not even sure\n\nChannel 0: Yeah.\n\nChannel 1: how you operate,\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: We\n\nChannel 1: you\n\nChannel 0: can.\n\nChannel 1: just yeah.\n\nChannel 0: If you guys are if you guys are ever wanting to, you know, come down this way to the Gold Coast and want to do in person, then more than welcome to do so because we have a lot of locals coming in as well.\n\nChannel 1: Yeah. All good.\n\nChannel 0: Yeah. Live over drive, but but otherwise\n\nChannel 1: Thank you. If I'm there for a holiday, I'll yeah. Probably thinking of retirement, not not planning.\n\nChannel 0: Yeah. Yeah. Now there should be one more document for you, Matthew. You press next, and I believe that is a your ongoing service agreement. Is it, say, Harbour\n\nChannel 1: Next.\n\nChannel 0: '24 consent to new\n\nChannel 1: I\n\nChannel 0: ongoing\n\nChannel 1: hit the next.\n\nChannel 0: fee arrangement?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yes. Now\n\nChannel 1: Yep.\n\nChannel 0: this\n\nChannel 1: I\n\nChannel 0: one\n\nChannel 1: got\n\nChannel 0: here\n\nChannel 1: it.\n\nChannel 0: yep. Now this one here will ask also ask you for your signature if you are happy with that. What this is is your\n\nChannel 1: Yep.\n\nChannel 0: ongoing service agreement. So that is to say that you are happy to stay on as a client. Now the fee structure is not changing. And because both you and Wendy are clients, you are on a reduced fee. So it's down to 1.1% from super.\n\nSo not increasing or changing, which is good. It\n\nChannel 1: I'm\n\nChannel 0: is\n\nChannel 1: just\n\nChannel 0: also\n\nChannel 1: checking there. Sorry.\n\nChannel 0: yeah. Of course.\n\nChannel 1: Just looking at the client consent name. What's so what's that?\n\nChannel 0: Yes. Sorry?\n\nChannel 1: The the member's name on the on that client consent sheet. It's got Matthew John Whitney. What's that?\n\nChannel 0: The one that I can see on my end says Matthew Johnston.\n\nChannel 1: I've got you know, the words the sheet I'm on now, maybe I skipped ahead on that. Consent consent to fixed term arrangement non ongoing. Is that where I'm supposed to be looking at? The one two\n\nChannel 0: No. There should be. Let me check because the one that I can see right\n\nChannel 1: five?\n\nChannel 0: now let me check with the team. It says consent to new ongoing free arrangement, Matthew Johnson. He has your account number and everything. Let me see if\n\nChannel 1: I'm\n\nChannel 0: I\n\nChannel 1: looking\n\nChannel 0: can see\n\nChannel 1: at\n\nChannel 0: what you are looking at.\n\nChannel 1: I've got yeah. Because I've got, like, Matthew Whitney.\n\nChannel 0: Okay. If that's the case, then that's obviously an error for the team, so\n\nChannel 1: Yeah.\n\nChannel 0: I will chase\n\nChannel 1: Yeah.\n\nChannel 0: that up with\n\nChannel 1: Yeah. MJ MJ Whitney. So somehow, maybe the MJ is coming to it. Yeah. So, yeah, it's got\n\nChannel 0: them.\n\nChannel 1: consent. So I'm I'm looking at the right sheet, but\n\nChannel 0: Okay.\n\nChannel 1: it isn't\n\nChannel 0: Yeah.\n\nChannel 1: a consent\n\nChannel 0: Consent.\n\nChannel 1: to fix yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. I've got all the I've got yeah. Someone\n\nChannel 0: It\n\nChannel 1: asked\n\nChannel 0: doesn't\n\nChannel 1: me yeah.\n\nChannel 0: have\n\nChannel 1: It's all a tablet.\n\nChannel 0: okay.\n\nChannel 1: Yeah. Totally. Yeah.\n\nChannel 0: Just leave that. Don't sign it,\n\nChannel 1: Yeah.\n\nChannel 0: obviously.\n\nChannel 1: Yeah.\n\nChannel 0: And Okay.\n\nChannel 1: Yeah.\n\nChannel 0: I will go and chat to the team because the one that I'm looking at has all of your details. So it just says Matthew Johnson and everything.\n\nChannel 1: Yeah. At the top, it says for me to you know, like, eight of eight signing,\n\nChannel 0: Yeah.\n\nChannel 1: Matthew Johnson signing, but the actual form is not, yeah,\n\nChannel 0: That's\n\nChannel 1: not\n\nChannel 0: not\n\nChannel 1: me.\n\nChannel 0: that one. Okay. Don't sign it. I\n\nChannel 1: Yep.\n\nChannel 0: will go and chat to the team who who just put that together just to\n\nChannel 1: Yep.\n\nChannel 0: check. And if it was incorrect, just just leave it. I will delete this, and I will\n\nChannel 1: Yep.\n\nChannel 0: reupload myself one that I'm looking at because that has yours and get that sorted. And I will get the team to text you if you are happy with that when I've resent it. And\n\nChannel 1: Yeah.\n\nChannel 0: I will\n\nChannel 1: Right.\n\nChannel 0: just triple\n\nChannel 1: Yeah.\n\nChannel 0: check it myself because, yeah, if that is slightly different to what I'm looking at yet, then don't sign it. And I will\n\nChannel 1: Yeah.\n\nChannel 0: go and delete that and get it sorted. So thank you for letting me know because, yeah, that's different to what I'm looking at. So very good attention to detail, Matthew. That is good.\n\nChannel 1: I can't find good. Normally, good at work. But that was an obvious one. Yep.\n\nChannel 0: Very good attention because most people be like, oh, yeah. Yeah. I like like I said, the one I'm looking at has yours. So that\n\nChannel 1: Yep.\n\nChannel 0: is probably a bit of an error, so apologies for that. And thank you so much for flagging that. And\n\nChannel 1: Yep.\n\nChannel 0: I will chat with the team and see if I can see the document that you were looking at through the system, delete it, and then just reupload the one that I'm looking at because that's the one that has all of your stuff\n\nChannel 1: Yep.\n\nChannel 0: and get that sorted. I will get the team to text you once it's resent if you would like, or you can just see a new email come through. It will be everything the same, but just, obviously, I will triple check that it's that on the last page where it says the ongoing fee arrangement, that it doesn't have that with me, that it's just your details.\n\nChannel 1: Yeah. They'll probably just see it when they they see the email that they've sent. Yep.\n\nChannel 0: Yes.\n\nChannel 1: Would that be\n\nChannel 0: Exactly.\n\nChannel 1: alright? Yeah. Yep.\n\nChannel 0: So I will go and do that, and apologies. And, again, thank you so much for flagging that. I will go and chat to the team as soon as I got off the phone and get that reissued for you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now, basically, from here so, obviously, we wanna do a bit of a catch up with you and Wendy and work on strategies together. Now what do you guys prefer? So with Wendy, her adviser is Dana, who I believe you spoke to last time. I also want to let you know that I am going on maternity leave in two months.\n\nChannel 1: Two months. Okay. So if you're going\n\nChannel 0: So\n\nChannel 1: for two just for two in two months or for\n\nChannel 0: In\n\nChannel 1: how long\n\nChannel 0: two\n\nChannel 1: you go?\n\nChannel 0: months for twelve\n\nChannel 1: For\n\nChannel 0: months.\n\nChannel 1: oh, right. Yeah. Fair enough. So we'll\n\nChannel 0: So full\n\nChannel 1: who takes\n\nChannel 0: transparency.\n\nChannel 1: over?\n\nChannel 0: So\n\nChannel 1: Yeah. All good.\n\nChannel 0: so what I can either do, it is up to what you guys are comfortable with. I will have time to have the chat to both of you before I go or\n\nChannel 1: Yep.\n\nChannel 0: especially if, obviously, that kind of more ongoing management, because I will be gone for twelve months, is that I can brief my colleague, Dana, on everything we discussed today, especially if she's already dealing with Wendy,\n\nChannel 1: Yeah. That\n\nChannel 0: and then\n\nChannel 1: I\n\nChannel 0: organize\n\nChannel 1: think that'd be the best. Yeah. Yeah. For\n\nChannel 0: I think\n\nChannel 1: her to\n\nChannel 0: so too\n\nChannel 1: take\n\nChannel 0: as much\n\nChannel 1: take\n\nChannel 0: as\n\nChannel 1: care.\n\nChannel 0: much as I would love to do it for both of you given the time, to wanna make sure that I'm here, obviously, to see everything through is that I will chat to Dana who's absolutely lovely. I will go through everything we discussed today as long as you're happy for me to convey that, and\n\nChannel 1: Yep.\n\nChannel 0: then I will get the team through reach out. Do you know a time where you guys are both free, or would you have to speak to Wendy? Because I can get it booked in now with Dana for the two of you if you know Wendy's calendar. But\n\nChannel 1: Tough\n\nChannel 0: it would\n\nChannel 1: one.\n\nChannel 0: trigger one. Yeah.\n\nChannel 1: Well yeah. Because I'm sort of flexible and not flexible because the sales\n\nChannel 0: Mhmm.\n\nChannel 1: rep is just me. I can I can do it through the day, but I can turn up any time? But I like to get my work done first and then do it. So\n\nChannel 0: Yep.\n\nChannel 1: but\n\nChannel 0: Yep.\n\nChannel 1: she can get there mostly in the afternoon. It comes back to mostly me\n\nChannel 0: Mhmm.\n\nChannel 1: getting home and\n\nChannel 0: Okay.\n\nChannel 1: and sitting down together. Mainly, I'm trying to think of the best day, would be maybe a a Wednesday at how late can you actually do it? Like, 03:30 to be a last or four?\n\nChannel 0: Let me have a look here.\n\nChannel 1: Like, yeah,\n\nChannel 0: Sorry.\n\nChannel 1: like a a Wednesday or a Thursday around\n\nChannel 0: Okay.\n\nChannel 1: 04:00 where I can just sort of finish the day sort of thing.\n\nChannel 0: Yeah. Now she can alright. So have a look. She can do either next Thursday, July 9. She can do it at 05:30, but if that's too late,\n\nChannel 1: Where where is that? Sorry. Next, please.\n\nChannel 0: next Thursday, July 9 at five\n\nChannel 1: No.\n\nChannel 0: thirty.\n\nChannel 1: Oh, sorry.\n\nChannel 0: Too late?\n\nChannel 1: I've got I've got to tell him also again. I've got to book start roging. So we got three days off going to Brisbane\n\nChannel 0: No.\n\nChannel 1: with me\n\nChannel 0: Oh,\n\nChannel 1: and a\n\nChannel 0: lovely.\n\nChannel 1: couple of mates here.\n\nChannel 0: Oh, lovely.\n\nChannel 1: So probably\n\nChannel 0: Otherwise, the following week, she can do\n\nChannel 1: so\n\nChannel 0: Thursday\n\nChannel 1: to speak\n\nChannel 0: again.\n\nChannel 1: back at the school. Teachers first week back at school.\n\nChannel 0: Okay. If you could do 04:30,\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Four\n\nChannel 0: that would\n\nChannel 1: thirty\n\nChannel 0: be when\n\nChannel 1: on\n\nChannel 0: Wendy will be home.\n\nChannel 1: if you can tentatively put it in, then we can always\n\nChannel 0: Yes.\n\nChannel 1: I I can, like, get yeah. If you can put it\n\nChannel 0: Or\n\nChannel 1: down\n\nChannel 0: I\n\nChannel 1: for\n\nChannel 0: could\n\nChannel 1: you.\n\nChannel 0: do\n\nChannel 1: Because,\n\nChannel 0: 04:00.\n\nChannel 1: it yeah. 04:00, probably.\n\nChannel 0: Four\n\nChannel 1: Yeah.\n\nChannel 0: o'clock? Okay.\n\nChannel 1: Yep.\n\nChannel 0: How about I put that tentatively in, which is\n\nChannel 1: Yep.\n\nChannel 0: Thursday, July 16 at 4PM? And\n\nChannel 1: Sixteen\n\nChannel 0: if it\n\nChannel 1: fifty\n\nChannel 0: is\n\nChannel 1: one.\n\nChannel 0: that you guys can't make it, just just let\n\nChannel 1: Yep.\n\nChannel 0: us know, and we can always\n\nChannel 1: Yeah.\n\nChannel 0: get it rescheduled. Okay? But\n\nChannel 1: Yeah. I got\n\nChannel 0: at least\n\nChannel 1: it.\n\nChannel 0: there's something locked in even if we call you guys and you go, oh, actually, Wendy's not home. I'm still, you know, at work. I can't make it. Then we can kind of book in another appointment. But at least you have something kind of locked in and and scheduled so we can kind\n\nChannel 1: Yeah.\n\nChannel 0: of get working on everything together. And that also gives me a lot of time with Dana on what we discussed today\n\nChannel 1: Yep.\n\nChannel 0: to kind of go through before that catch up as well.\n\nChannel 1: Did you say could it be 04:30 or 04:00 be better?\n\nChannel 0: 04:00 would be better,\n\nChannel 1: Yeah. Yep.\n\nChannel 0: if\n\nChannel 1: All\n\nChannel 0: that's\n\nChannel 1: good.\n\nChannel 0: okay. Yeah.\n\nChannel 1: It\n\nChannel 0: Just\n\nChannel 1: just\n\nChannel 0: because\n\nChannel 1: it's\n\nChannel 0: she has\n\nChannel 1: like\n\nChannel 0: another\n\nChannel 1: it's okay.\n\nChannel 0: one.\n\nChannel 1: Just means,\n\nChannel 0: Okay.\n\nChannel 1: like, yeah, by time I leave, yeah, it'll it'll have to make it work. Yeah. Because it'd\n\nChannel 0: Okay.\n\nChannel 1: be better because if you go so if you if you're going on the you're gone for twelve months anyway, so I would\n\nChannel 0: Yes.\n\nChannel 1: need some of the next next\n\nChannel 0: Correct.\n\nChannel 1: year anyway. Yeah. And\n\nChannel 0: Correct.\n\nChannel 1: and and to and Wendy's was really happy with it's\n\nChannel 0: Yeah.\n\nChannel 1: Dana. Is that right? Yeah.\n\nChannel 0: Yes,\n\nChannel 1: Because she said\n\nChannel 0: Diana.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: And\n\nChannel 1: she\n\nChannel 0: we went\n\nChannel 1: I\n\nChannel 0: very\n\nChannel 1: was\n\nChannel 0: close. You know?\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So Wendy's always pretty active and wanting things done.\n\nChannel 0: Yeah.\n\nChannel 1: So but she's pretty and\n\nChannel 0: Great.\n\nChannel 1: she liked the detail that she went into it. So it it'd be better\n\nChannel 0: Beautiful.\n\nChannel 1: to have the same person too, if you know\n\nChannel 0: Yes.\n\nChannel 1: what I mean? Like yeah.\n\nChannel 0: For sure.\n\nChannel 1: Yeah.\n\nChannel 0: And,\n\nChannel 1: Yep.\n\nChannel 0: usually, that is something that we want to do as well. So if it is,\n\nChannel 1: Yeah.\n\nChannel 0: and I want to do that as well. Like, if I'm working with one partner, I would like to deal with the other one as well so that we can work together,\n\nChannel 1: Yeah.\n\nChannel 0: and I know Dana is exactly the same. And she's absolutely lovely, and you will be in very capable hands. And then you can\n\nChannel 1: Is\n\nChannel 0: work\n\nChannel 1: that your\n\nChannel 0: on\n\nChannel 1: first\n\nChannel 0: stuff together.\n\nChannel 1: child? First\n\nChannel 0: Yes. It's\n\nChannel 1: child.\n\nChannel 0: the first\n\nChannel 1: Oh,\n\nChannel 0: one. Sorry.\n\nChannel 1: fun.\n\nChannel 0: Very exciting.\n\nChannel 1: Fun. Yeah.\n\nChannel 0: We're\n\nChannel 1: The first\n\nChannel 0: full on,\n\nChannel 1: one.\n\nChannel 0: but\n\nChannel 1: Yeah. Yeah. Yeah.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.0031781429424881935}],"sentiment":"neutral","sentiment_score":0.0031781429424881935,"channel":1,"num_words":1,"start":0.24,"end":0.74},{"sentences":[{"text":"Hello, you said Matthew?","start":1.12,"end":2.34,"sentiment":"neutral","sentiment_score":0.0024932497180998325}],"sentiment":"neutral","sentiment_score":0.0024932497180998325,"channel":0,"num_words":4,"start":1.12,"end":2.34},{"sentences":[{"text":"Yep.","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":-0.008035937324166298}],"sentiment":"neutral","sentiment_score":-0.008035937324166298,"channel":1,"num_words":1,"start":3.12,"end":3.62},{"sentences":[{"text":"Yeah.","start":4.0,"end":4.24,"sentiment":"neutral","sentiment_score":-0.058166615664958954},{"text":"I don't know what happened there.","start":4.24,"end":5.92,"sentiment":"neutral","sentiment_score":-0.2959174911181132},{"text":"It was my 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put any more in, or would you say you'd be concerned or highly anxious?","start":422.835,"end":428.26,"sentiment":"neutral","sentiment_score":-0.26722897754775154}],"sentiment":"neutral","sentiment_score":-0.26722897754775154,"channel":0,"num_words":18,"start":422.835,"end":428.26},{"sentences":[{"text":"We are more cautious, I suppose.","start":430.57498,"end":432.35498,"sentiment":"neutral","sentiment_score":-0.22101092586914697}],"sentiment":"neutral","sentiment_score":-0.22101092586914697,"channel":1,"num_words":6,"start":430.57498,"end":432.35498},{"sentences":[{"text":"A bit more cautious.","start":432.4,"end":433.38,"sentiment":"neutral","sentiment_score":-0.15691842511296272},{"text":"Yep.","start":433.68,"end":434.16,"sentiment":"neutral","sentiment_score":0.1180267259478569},{"text":"Perfect.","start":434.16,"end":434.66,"sentiment":"positive","sentiment_score":0.3580182194709778},{"text":"And last one is, would you ever consider taking out a loan to invest in stocks or 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it","start":455.11,"end":460.565,"sentiment":"neutral","sentiment_score":0.066678195570906}],"sentiment":"neutral","sentiment_score":0.06715000003576278,"channel":1,"num_words":25,"start":454.71,"end":460.565},{"sentences":[{"text":"Yep.","start":460.50998,"end":461.00998,"sentiment":"neutral","sentiment_score":0.03528225049376488}],"sentiment":"neutral","sentiment_score":0.03528225049376488,"channel":0,"num_words":1,"start":460.50998,"end":461.00998},{"sentences":[{"text":"because you you if you're not in it together, then what's the point?","start":460.565,"end":463.445,"sentiment":"neutral","sentiment_score":-0.062448302713724285},{"text":"But 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Wendy because she's a a sometimes I'll on one of those ones that probably ask him any questions.","start":756.25,"end":767.74506,"sentiment":"neutral","sentiment_score":0.1599154993891716},{"text":"So she'd probably like me to actually be able to be able to view it.","start":767.74506,"end":771.025,"sentiment":"neutral","sentiment_score":0.19253065089384716},{"text":"So but then","start":771.025,"end":771.825,"sentiment":"neutral","sentiment_score":0.10835095743338267}],"sentiment":"neutral","sentiment_score":0.17136655714024196,"channel":1,"num_words":44,"start":755.52997,"end":771.825},{"sentences":[{"text":"Yes.","start":771.695,"end":772.195,"sentiment":"neutral","sentiment_score":0.12079980969429016}],"sentiment":"neutral","sentiment_score":0.12079980969429016,"channel":0,"num_words":1,"start":771.695,"end":772.195},{"sentences":[{"text":"it's up to her, like, when she wants me.","start":771.825,"end":773.505,"sentiment":"neutral","sentiment_score":0.13411427868737114},{"text":"But, yeah, she'd probably yeah.","start":773.505,"end":774.965,"sentiment":"neutral","sentiment_score":0.0703872051090002},{"text":"She'd she'd rather, here, look at it.","start":775.025,"end":777.33,"sentiment":"neutral","sentiment_score":0.16711350636822836},{"text":"You make yeah.","start":777.41003,"end":777.97003,"sentiment":"neutral","sentiment_score":0.1476848969856898},{"text":"I don't need to go into detail about it.","start":777.97003,"end":779.73004,"sentiment":"neutral","sentiment_score":-0.015799608495500352}],"sentiment":"neutral","sentiment_score":0.09180658463050019,"channel":1,"num_words":33,"start":771.825,"end":779.73004},{"sentences":[{"text":"So 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speakers discuss the process of sending returns, investing in stocks or funds, and reducing risk levels. They emphasize the importance of researching risk profiles and managing portfolio risk. The speakers also provide information on life insurance coverage and retirement insurance coverage, as well as information on income protection policies and fees. They emphasize the need for income protection for older individuals and discuss the competitive nature of HUB twenty four. The conversation ends with a marketing campaign and scheduling a meeting with a client."},"intents":{"segments":[{"text":"You should have reached us by now, especially Yeah. because you guys are in Queensland as well. So it's not like you're over in WA or something and the post is a little bit slower. But I will go and check with the the admin team to see if they've received the recent one and see where that was at.","start_word":462,"end_word":521,"intents":[{"intent":"Check status","confidence_score":0.05708248}]},{"text":"But I will go and check with the the admin team to see if they've received the recent one and see where that was at.","start_word":497,"end_word":521,"intents":[{"intent":"Check with admin","confidence_score":0.014630557}]},{"text":"But I will check with the team. And if it is that it hasn't arrived, then when we catch up in a few weeks, I will let you know.","start_word":640,"end_word":668,"intents":[{"intent":"Check with team","confidence_score":0.0414481}]},{"text":"And if it is that it hasn't arrived, then when we catch up in a few weeks, I will let you know.","start_word":647,"end_word":668,"intents":[{"intent":"Inform about arrival","confidence_score":0.08891458}]},{"text":"Before your otherwise, when it comes to how your money is invested into preannuation, which can be very individual, is that I'll just go through a couple of multiple choice questions with you there, Matthew, just to see how you feel about your level of risk and market fluctuation.","start_word":741,"end_word":789,"intents":[{"intent":"Assess risk level and determine if specific solutions are needed","confidence_score":3.3455745e-9}]},{"text":"But it's also good because it means that it's like your your kind of how you feel about fluctuations even with, like, the last twelve months, obviously, seeing a bit of fluctuations in the market, which I'm sure you've heard on the news with everything that's happened in the last twelve months.","start_word":1354,"end_word":1405,"intents":[{"intent":"Consider inflation","confidence_score":0.000031484007},{"intent":"Provide information","confidence_score":0.007192727}]},{"text":"It also means that you kind of understand that there will be some ups and downs and market fluctuations, and that, obviously, it makes you a little bit cautious. You're not someone to just jump in and take a lot of risk, but you also kind of understand that, you know, there will be some level of full term fluctuation in order to making sure that we continue to grow your superannuation. Yep.","start_word":1418,"end_word":1490,"intents":[{"intent":"Understand markets and risk","confidence_score":0.0002148817}]},{"text":"Now what we also factor in when it comes to the risk profile is making sure that you have enough time in the market for those fluctuations. So, typically speaking, in a growth portfolio, we want to allow a minimum of six years until retirement just to make sure you have enough time. So if you are planning around that sixty four, then you do have that six years behind you if Yeah.","start_word":1491,"end_word":1563,"intents":[{"intent":"Understand risk profile","confidence_score":0.04614646}]},{"text":"Now, Matthew, do you have access to your emails at the moment or Yep. not really? Yeah?","start_word":1613,"end_word":1629,"intents":[{"intent":"Check email access","confidence_score":0.00282342}]},{"text":"So what I have done is I have sent you an email with some documents to run through quickly, which shows where your super balance is at and also your insurances and performance and everything. Now we have Yeah.","start_word":1632,"end_word":1670,"intents":[{"intent":"Request download and sign documents","confidence_score":1.0732935e-8}]},{"text":"So you can see here that you have your superannuation with hub twenty four, and you do have $284,737 in there. Now you also have some insurances underneath that. So you have your insurances with AIA.","start_word":1761,"end_word":1796,"intents":[{"intent":"Share insurance details","confidence_score":0.012250259}]},{"text":"But with your insurances, though, so you have life and total permanent disability insurance. Now that is paying $481,572. 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So that will pay you a monthly amount if you are temporarily unable to work.","start_word":3118,"end_word":3141,"intents":[{"intent":"Discuss income protection","confidence_score":0.02389782}]},{"text":"Are you still happy with your income protection?","start_word":3158,"end_word":3165,"intents":[{"intent":"Assess income protection","confidence_score":0.018039074}]},{"text":"Because it also factors in well, income protection is great if if you cannot meet your living expenses or anything like that with your income, and that will, you know, mean that you'd have to move or you can't do anything, then income protection becomes very important because, obviously, your income won't be there. But at the Yep.","start_word":3572,"end_word":3629,"intents":[{"intent":"Discuss income protection","confidence_score":0.49219704}]},{"text":"So if something were to happen, obviously, insurances is one of those things. Like, you never want to be able to use it, but then you're paying for something you never used.","start_word":3811,"end_word":3842,"intents":[{"intent":"Consider insurance usage","confidence_score":0.0011196833}]},{"text":"But then the ramifications financially, if you don't have it in place, can be quite severe. Yeah.","start_word":3844,"end_word":3860,"intents":[{"intent":"Confirm impact on financial plan","confidence_score":8.2085435e-8}]},{"text":"But, otherwise, you can some years, if you are if you are an aggressive portfolio, some years, depending on what you invest in, will be fantastic. Other years Yep.","start_word":4279,"end_word":4307,"intents":[{"intent":"Discuss portfolio investments","confidence_score":0.020886282}]},{"text":"like to look at changing out of your portfolio. The Yeah.","start_word":4647,"end_word":4657,"intents":[{"intent":"Discuss portfolio options","confidence_score":0.0620987}]},{"text":"So part of the process if we, you know, put together a joint strategy for the two of you is that I wanna look at your super funds as well, which is what we always do. Because Yep.","start_word":4916,"end_word":4953,"intents":[{"intent":"Discuss super funds","confidence_score":0.031652533}]},{"text":"just because Hub twenty four was the best option for you when you came on board and that investment portfolio does not mean it's always going to be the case, Yeah.","start_word":4953,"end_word":4983,"intents":[{"intent":"Discuss investment portfolio","confidence_score":0.3168042}]},{"text":"It whether it's me whether from my point, it's worth considering just the one that sort of takes takes care of itself a bit more and and Yeah.","start_word":5061,"end_word":5088,"intents":[{"intent":"Consider options","confidence_score":0.025863396},{"intent":"Consider options","confidence_score":0.06505858},{"intent":"Consider alternatives","confidence_score":0.026109226}]},{"text":"look at a similar level of risk and then do a comparison.","start_word":5144,"end_word":5155,"intents":[{"intent":"Discuss risk","confidence_score":0.23362337}]},{"text":"Well, I AARP is a lower risk, it's cheaper, and better performance, then that's what I will recommend. But Yeah.","start_word":5219,"end_word":5238,"intents":[{"intent":"Consider airp","confidence_score":0.04221635},{"intent":"Recommend airp","confidence_score":0.0076919156}]},{"text":"Well, I AARP is a lower risk, it's cheaper, and better performance, then that's what I will recommend. But Yeah. if it's not performing as well and a lot more fluctuations of volatility and stuff like that, then I will not recommend it. So we're factoring everything along with capital gains tax and everything to then make a recommendation of what is going to be the best for you. Yeah.","start_word":5219,"end_word":5288,"intents":[{"intent":"Recommend airp recommendation","confidence_score":0.0012738719}]},{"text":"if it's not performing as well and a lot more fluctuations of volatility and stuff like that, then I will not recommend it. So we're factoring everything along with capital gains tax and everything to then make a recommendation of what is going to be the best for you. Yeah.","start_word":5239,"end_word":5288,"intents":[{"intent":"Consider investment recommendations","confidence_score":0.0016801534}]},{"text":"So we're factoring everything along with capital gains tax and everything to then make a recommendation of what is going to be the best for you. Yeah.","start_word":5262,"end_word":5288,"intents":[{"intent":"Factor costs","confidence_score":0.00003685493}]},{"text":"But, otherwise, HUB twenty four and the platform is very competitive.","start_word":5301,"end_word":5311,"intents":[{"intent":"Evaluate ubi twenty four and ubi twenty four to determine competitiveness and ubi twenty four's platform","confidence_score":1.8291936e-11}]},{"text":"So you probably have seen this one before, but it is a good visual representation of what we are talking about when we're kind of talking about market fluctuations. So you can basically see here, it goes back from 1995 through to 2025. Now it does break down the different asset classes as well. So you can basically see that over the long term, market always goes up. Yep.","start_word":5439,"end_word":5507,"intents":[{"intent":"Evaluate market fluctuations and growth","confidence_score":0.0006701602}]},{"text":"So in a growth portfolio, we typically have about 80% in base. That is your top four together.","start_word":5537,"end_word":5554,"intents":[{"intent":"Describe portfolio growth and volatility","confidence_score":0.0002764646}]},{"text":"Now these are the two so you'll have two documents. One is for your life and TPD. The next one is for your income protection. Now these are the ones that break down those insurances in a bit more detail. So it's all kind of the numbers and the the premium, so how much it costs that we went through in the first document.","start_word":5695,"end_word":5758,"intents":[{"intent":"Specify policy details","confidence_score":0.000248665}]},{"text":"Now this is one where it will ask you for your signature if you are happy to do so, and that is it's just a compliance form to say we are keeping your tax file number secure and safe on file. Yep.","start_word":6078,"end_word":6119,"intents":[{"intent":"Help with superannuation and confirmation of eligibility for tax forms","confidence_score":2.1223884e-12}]},{"text":"Consent consent to fixed term arrangement non ongoing. Is that where I'm supposed to be looking at?","start_word":6765,"end_word":6781,"intents":[{"intent":"Check consent for arrangement","confidence_score":0.00009409312}]},{"text":"So I will go and do that, and apologies. And, again, thank you so much for flagging that. I will go and chat to the team as soon as I got off the phone and get that reissued for you. Yep.","start_word":7346,"end_word":7386,"intents":[{"intent":"Reissue documents","confidence_score":0.059125997}]},{"text":"I will have time to have the chat to both of you before I go or Yep. especially if, obviously, that kind of more ongoing management, because I will be gone for twelve months, is that I can brief my colleague, Dana, on everything we discussed today, especially if she's already dealing with Wendy, Yeah. That and then I organize think that'd be the best. Yeah.","start_word":7512,"end_word":7577,"intents":[{"intent":"Communicate and organize","confidence_score":0.0018930035}]},{"text":"like a a Wednesday or a Thursday around Okay.","start_word":7820,"end_word":7828,"intents":[{"intent":"Confirm schedule","confidence_score":0.05171039}]},{"text":"If you could do 04:30, Yeah. if Four that would thirty be when on Wendy will be home. if you can tentatively put it in, then we can always Yes.","start_word":7950,"end_word":7979,"intents":[{"intent":"Confirm availability","confidence_score":0.015783932}]},{"text":"Did you say could it be 04:30 or 04:00 be better?","start_word":8148,"end_word":8158,"intents":[{"intent":"Inquire about availability","confidence_score":0.00030922343}]}]},"sentiments":{"segments":[{"text":"Hello? Hello, you said Matthew? Yep. Yeah. I don't know what happened there. It was my phone or your phone that disconnected. Yeah. I'm not sure. Yeah. Yep. You can hear me okay, though? Yep.","start_word":0,"end_word":34,"sentiment":"neutral","sentiment_score":-0.10956241190433502},{"text":"All good.","start_word":35,"end_word":36,"sentiment":"positive","sentiment_score":0.3628350496292114},{"text":"Yeah. Now I don't know if you if you did hear it, but I was saying in regards to your superannuation and insurances. So for your superannuation because insurances and superannuation does not automatically form part of the estate. So you can make separate nominations for it.","start_word":37,"end_word":83,"sentiment":"neutral","sentiment_score":0.021695492789149284},{"text":"So for your superannuation, I have Wendy nominated. You're still happy with that?","start_word":84,"end_word":96,"sentiment":"positive","sentiment_score":0.38715070486068726},{"text":"Yep. Yep. Yep.","start_word":97,"end_word":99,"sentiment":"neutral","sentiment_score":0.12430129200220108},{"text":"Perfect.","start_word":100,"end_word":100,"sentiment":"positive","sentiment_score":0.46250367164611816},{"text":"We don't actually have a nomination for your insurances, though. Alright. So we're going I've I've filled yeah. it I filled out forms for that, and I sent them away. So I don't know what happened. Did you send it by post or email? Do you remember?","start_word":101,"end_word":147,"sentiment":"neutral","sentiment_score":-0.12022922933101654},{"text":"Because it's been a couple of times it's been disputed.","start_word":148,"end_word":157,"sentiment":"negative","sentiment_score":-0.34332165122032166},{"text":"I've done it, and then I've sent sent the envelope away. Yeah. Okay. Yeah. Because I've done it through yeah. You're saying the insurance one. Not that I actually sent it directly to them, I thought. Yeah. Because, yeah, normally, it would be, like, you just send it back to us, and then Yeah. we would action that for you. Yeah. I've done Sometimes I've done a cup couple times. that's frustrating Yeah. for you. Do do you do you remember was that with the return envelope you send it? Yeah. Okay. I will triple check the system Yeah. to make sure. But if not, do you have access to a printer by any chance? Yeah. Dodgy one. It's it works. Okay. I know what happens. We yeah. My wife uses it for, like, a yeah. It doesn't yeah. We do. But Okay. yeah. If you want me yep.","start_word":158,"end_word":306,"sentiment":"neutral","sentiment_score":-0.034951481968164444},{"text":"Because what I can do otherwise, especially if it is, like, you've if you've already completed it and send it back and then just never came back to us, that's obviously a bit frustrating for you and never know.","start_word":307,"end_word":345,"sentiment":"negative","sentiment_score":-0.4944685995578766},{"text":"Sometimes with our folks that what we could do instead so that you don't have to complete it again is that I can get the team to email it through you. Because you are making a legal nomination, it just have to be printed and website. And Okay. then Yeah. if you just scan it and email it back, then we know for sure that it's come back to us. Because I've sent another one recently, like yeah. Because I've done Okay. it before, and then I sent one Mhmm. again in the last, maybe, six weeks ago or something like that. So Okay. could it would it be would it be updated by then? Yeah. You should have reached us by now, especially Yeah. because you guys are in Queensland as well. So it's not like you're over in WA or something and the post is a little bit slower. But I will go and check with the the admin team to see if they've received the recent one and see where that was at. And that was for your AAA insurances hub 24 because the hub 24 is definitely in place. Do you remember if you did two forms? Yeah, because the the hub one's in place, you're saying. Yes. Yes. That's And correct. then Yeah. the and then the other one, I sent I thought it went directly to them. Thought it was addressed on the on the Okay. envelope. Maybe Okay. maybe that wrong. Yep. Because, usually, just to make it streamlined and easier, we say like, on the return envelope, it has our address, so it just automatically sends it back to us so that we can Yeah. make Right. sure it's all, you know, put in place correctly. But I will check with the team. And if it is that it hasn't arrived, then when we catch up in a few weeks, I will let you know. And then that way, we can see if we can get you another form to make sure we get that sorted because we wanna make sure we have that in place for your insurances as well. Yeah. Yeah. For sure. Yep.","start_word":346,"end_word":709,"sentiment":"neutral","sentiment_score":0.12625904338291058},{"text":"Alright. Perfect. Now I'll kind of skip over goals and stuff for now given we are catching up with Wendy as well, and we can work on it together.","start_word":710,"end_word":738,"sentiment":"positive","sentiment_score":0.43070945143699646},{"text":"Yeah. Yes. Before your otherwise, when it comes to how your money is invested into preannuation, which can be very individual, is that I'll just go through a couple of multiple choice questions with you there, Matthew, just to see how you feel about your level of risk and market fluctuation. Now there's no But right or wrong answer. that the only thing I'd like to say too because I I just wanna double check where I am, where where Yes. I've had the growth what the growth is because I'm visually conservative to my wife's office and I just wanna see the difference what may being conservative means. But we can change Yes. that down the track up the answers, can't I? You know, down 100 the track percent. as well. 100 Yeah. Yeah. Yeah. 100%. So Yeah. even Yeah. if you tell me, yeah, you you feel like you are comfortable with the level of risk when we do get together, if you say, no. Actually, I'm more defensive or do you know what? I'm more comfortable with the risk, because that could also play a role with however her investments are invested. If that's a different risk profile, that can also play a role into it if it's Yeah. I'm if it's I'm a little bit different. yeah. Because I'm almost more conservative. So that's Okay. why I probably need to change. So but in yeah. I'll I'll go through it. But yeah. Yeah. Now, basically, have you ever bought direct shares on the stock market yourself? Me? Like, No. shares or nope. Not not not not as more given, you know, where it's continuation. I mean, yeah. No. Okay. Yep. Yes.","start_word":739,"end_word":1023,"sentiment":"neutral","sentiment_score":-0.012171288020908833},{"text":"Perfect.","start_word":1024,"end_word":1024,"sentiment":"positive","sentiment_score":0.3720760941505432},{"text":"Now when it comes to the level of risk that you are comfortable with for your superannuation, So just hypothetically speaking, would you say that you are comfortable with very high risk, high No. moderate, or a very small Margaret. moderate? Yep.","start_word":1025,"end_word":1066,"sentiment":"neutral","sentiment_score":-0.06155867874622345},{"text":"Perfect. That's what we had last time as well.","start_word":1067,"end_word":1075,"sentiment":"positive","sentiment_score":0.3789357841014862},{"text":"And if you ever saw big market fluctuations, would you say that if at the time of investing, if things were down, would you want to take advantage of that by buying more while the prices are down, or would you kind of hold and Yes. wait to see what happens? I think I would need to consider borrowing. Yep. Mhmm. So potentially invest a little bit, obviously, depending on the situation Yeah. and the investments and stuff. Yep.","start_word":1076,"end_word":1154,"sentiment":"neutral","sentiment_score":0.008553756400942802},{"text":"Perfect.","start_word":1155,"end_word":1155,"sentiment":"positive","sentiment_score":0.57567298412323},{"text":"And if you ever saw any fluctuations in any assets, so any of your the personal shares that you had before or superannuation, if you saw that it was down, would you feel optimistic about potential investment opportunities in the future as a result? Would you be kind of kind of a little bit cautious? You do not wanna put any more in, or would you say you'd be concerned or highly anxious? We are more cautious, I suppose. A bit more cautious. Yep.","start_word":1156,"end_word":1239,"sentiment":"neutral","sentiment_score":0.04748271033167839},{"text":"Perfect.","start_word":1240,"end_word":1240,"sentiment":"positive","sentiment_score":0.3580182194709778},{"text":"And last one is, would you ever consider taking out a loan to invest in stocks or funds? Well, I'll be consider, but that's considers doing and considering is three Yeah. different things. It's Yep. Yep. yeah. Consider it, like, because other once we have a talk with Wendy and then we go through it, and that's where we consider it Yep. because you you if you're not in it together, then what's the point? But yeah. Yes. No. Perfect. Now, Matthew, that tells me here that you have come out as a growth investor, which is the portfolio we currently have you invested Yep. in. Yeah. I don't change. Yeah. Yeah. But it's also good because it means that it's like your your kind of how you feel about fluctuations even with, like, the last twelve months, obviously, seeing a bit of fluctuations in the market, which I'm sure you've heard on the news with everything that's happened in the last twelve months. First, obviously, Trump and tariffs and everything and, obviously, more recently, the war. It also means that you kind of understand that there will be some ups and downs and market fluctuations, and that, obviously, it makes you a little bit cautious. You're not someone to just jump in and take a lot of risk, but you also kind of understand that, you know, there will be some level of full term fluctuation in order to making sure that we continue to grow your superannuation. Yep. Now what we also factor in when it comes to the risk profile is making sure that you have enough time in the market for those fluctuations. So, typically speaking, in a growth portfolio, we want to allow a minimum of six years until retirement just to make sure you have enough time. So if you are planning around that sixty four, then you do have that six years behind you if Yeah. something, you know, fluctuations in the market. So from a time frame point of view and the answers, a growth seems to be suitable as long as at least for for right now, you are comfortable with the level of risk that you are currently in. Yep. Yep. Okay. Now, Matthew, do you have access to your emails at the moment or Yep. not really? Yeah? Okay. Yep. So what I have done is I have sent you an email with some documents to run through quickly, which shows where your super balance is at and also your insurances and performance and everything. Now we have Yeah.","start_word":1241,"end_word":1670,"sentiment":"neutral","sentiment_score":0.06546751763238463},{"text":"just Oh, perfect.","start_word":1671,"end_word":1673,"sentiment":"positive","sentiment_score":0.3526805639266968},{"text":"Yep. So if you can open that one now, it will say, I think, sign now. The Yep. but it will still allow you to open up and view everything before it gets you to to sign anything just to make sure you are happy first. Now when you open it up, it should show you your super and insurance summary first. Let me know if you can see that. I've got the summary of Superannuation Insurance, third of second July two thousand twenty six.","start_word":1674,"end_word":1758,"sentiment":"neutral","sentiment_score":0.2266449546989273},{"text":"Yeah. Beautiful. So you can see here that you have your superannuation with hub twenty four, and you do have $284,737 in there.","start_word":1759,"end_word":1781,"sentiment":"positive","sentiment_score":0.38648074865341187},{"text":"Now you also have some insurances underneath that. So you have your insurances with AIA. Yep. Now, actually, before I do go into that, I can see on your account so that would be a conversation for the two of you if you are happy with that. But Hub twenty four, which is where you have your super, they allow for something that's called family linking. So what you can do is you can actually link your super accounts kind of in in in the back end. And what that allows you to do is you can have either side over each other's superannuation if you want to just as, like, a viewing so that you can Yeah. look Right. at everything together. Yep. But what it also does is it depending on how much you guys have jointly, it it reduces the admin fee a little bit.","start_word":1782,"end_word":1929,"sentiment":"neutral","sentiment_score":0.18951109051704407},{"text":"So it does make it cheaper.","start_word":1930,"end_word":1935,"sentiment":"positive","sentiment_score":0.4411251842975617},{"text":"So instead of the admin fee, because it's usually calculated based on your balance, if you have the two together, they calculate it as if that's your super balance, and you do get a discount with a higher balance. So that is Yep. something we can look at.","start_word":1936,"end_word":1983,"sentiment":"neutral","sentiment_score":0.29827016592025757},{"text":"So if there's any way we can, obviously, reduce that fee for you at any means, even just like a platform fee, then that is good. As long as you both are comfortable seeing each other's accounts, then that is something we can organize for you guys as well.","start_word":1984,"end_word":2032,"sentiment":"positive","sentiment_score":0.3635173439979553},{"text":"Yep. Right. Yeah. Does that make sense? Yep. Yep. Would you be comfortable with that? I'm comfortable. So I'll I'll just check with Wendy because she's a a sometimes I'll on one of those ones that probably ask him any questions. So she'd probably like me to actually be able to be able to view it. So but then Yes. it's up to her, like, when she wants me. But, yeah, she'd probably yeah. She'd she'd rather, here, look at it. You make yeah. I don't need to go into detail about it. So she Yeah. might Yes. suit us. I don't know. It We runs can sick. chat about it together and Yeah. see. And, yeah, sometimes couples find it easy because it's like, if you log in to your account, there's a drop down where you could check her account. Or is that something that she's, like you say, look a lot more and a bit more proactive, then she can also Yeah. look and view at yours Yeah. so then But you I guys think can it'll both say, see. yes. It'll say, like, if she is proactive, she might wanna just touch on mine and see what mine's doing. But yeah. Well, Yeah. because yep. And it's Because just like if mine a viewing. She wouldn't be able to yeah. do anything without Yeah. your permission, but it's Yep. Yep. looking at it. But we can I'll just put a little note, and we can chat about that next time. Because, Yep. Yep. yeah, Yep. if there's a way that we can reduce administration fees, we'd have 24, then that's just the bonus. Yeah. But with your insurances, though, so you have life and total permanent disability insurance. Now that is paying $481,572. If something were to happen to you and you were to pass away or if you were to become totally and permanently disabled. Now Silly with question. that level When yeah. when does that when does that stop? Like like, what age does it you don't get the benefit when you when you've passed away? Silly question. They do have each each insurer have a different time frame, and it also depends Yeah. on the product of when K. so every year, they update their product disclosure statement. So it also Yep. depends on that. Life insurance, though, tend to be around 85 to a 100. Total permanent disabilities tend to be slightly different. It's sometimes between 60 and 70, and sometimes depending on the time frame, it could convert to a different type of definition, Yeah.","start_word":2033,"end_word":2466,"sentiment":"neutral","sentiment_score":0.04046767110580123},{"text":"Because unless I haven't you really decide thought to cancel it.","start_word":2467,"end_word":2477,"sentiment":"negative","sentiment_score":-0.3999974131584167},{"text":"I haven't really thought about it, but but with I'm not sure. Well, do most people have it? And then what about like, if you pass when you say say my parents or something. So I did Yep. say and they pretty much would be, like, you know, my sort of but yeah. So they would then get a pay the other part, they would get, like, when when one of them pass, I get a pay that, like, 500,000 or something like that. Like, is that what you're saying? Like, you know, equivalent to mine. So if I if I pass it on 75 or whatever that they get that when you would get that amount. Is that right? I'll Yeah. So, just basically, if you put were to pass away tomorrow, you she would yep. get 481,500 and Yeah. 72 life plus your superannuation. Yeah. And then yeah. And that's happened, like, another Mhmm. ten years, and I was I was told that, yeah, she would get that amount as well. Correct. Yeah. Right. Sometimes there is indexation, which looks like your policy is, which means that every single year, it will increase slightly with inflation Yeah. and Yeah. stuff. Because it it increases your chance of dying. So yeah. I mean yeah. And sometimes as well, it's, like, it's built in, and you can still reduce it whenever you want to. Yeah. But it Right. is built in as well, so if you accumulate more debt or or anything like that, you might need more cover. Now often, it's more where you see depends on, obviously, your situation, but you have more kind of younger families or you have, obviously, financial dependents at home. So you still have, obviously, expenses. And with living costs continue to go up, you might K. you know, let's say ten years ago, 400 may have been okay, but equivalent today, that might be closer to, you know, 5 or 600,000 to cover the same amount of things. So Yeah. that's why it kind of continues to go up. But, often, also, what's important is making sure it's still applicable for you. Because at Yep. the same time, every single year, so the older you get, it gets more and more expensive. So at the same time, as you wanna have the cover in place, you also wanna make sure it doesn't get too expensive. And if you don't need that much cover, you can reduce it to make it cheaper. But then, obviously, the trade off is, well, you have less if something were to happen. Yep. So with your life and pay payday, do you feel like that level of cover will meet what your goals and wishes are if something were to happen to you? Tricky one. Alright. Pretty much. Yeah. Because you've got a balance of what you actually the benefits Correct. for both of us, Yeah. you know, benefits for the moment. So, yeah, probably yeah. I'm yeah. Happy with like, when Copy copy I say for now? happy with them, I'm I'm Yes. comfortable with Yes. it for the moment. But yeah. You know, you got, like so it's got, like, approximate benefit is 284,000 for my super. So what what grace did I have What that feels like that didn't Sorry. The next document will show change? you that, actually. It Yeah. will show Right. you exactly Yeah. what happened Yeah. Right. in the Yeah. last twelve months Yep. Yep. so we can go through that. Yeah. But with so, obviously, with your life and TPD, that would obviously come cover the the mortgage on the investment property. So then if something happened, you wouldn't Yeah. have Yeah. to sell that, and it obviously leaves a little bit of extra to a state. Now Yeah. the other one you have is your income protection. So that will pay you a monthly amount if you are temporarily unable to work. Now you have a thirty day writing period and a five year benefit period on that. Are you still happy with your income protection?","start_word":2478,"end_word":3165,"sentiment":"neutral","sentiment_score":-0.0003254497261328053},{"text":"I wanna say, like, I I don't wanna spend too much on them because you don't really it's a bit of a had really anyway.","start_word":3166,"end_word":3190,"sentiment":"negative","sentiment_score":-0.4323575794696808},{"text":"Yeah. Like, you sorta it sorta you get a little bit of benefit, but you don't get you know, like, Mhmm. you can put too much towards it because you actually because that gets me 30 day break, so that's one month. Mhmm. So and then how long you you only get it for a short period, don't you? Yep. You have five years. So up to five years, you Yeah. can get an Just income five. replacement. Yeah. Yeah. But then there's all these. I'm sure you look into it. There's so many but it so many, what do you say, Why is you can't get it? It feels like like So like, yeah. so so with TPD, that is the hardest one to claim on because that is basically where you have to have two doctors to sign off on the fact that you can never go back to work again. And that's going to be a lump sum payment payout. Now income protection is a little bit easier, Yeah. Yeah. but it's still proving that you are temporarily Yeah. unable to work. It doesn't have to be happening at work. It could be an illness or injury or anything that Yeah. would mean that you cannot work for a while. You have to meet the definition on the waiting period, which means you have to wait that thirty days before the income replacement will start. And, typically, every month, the doctor would do an assessment to check-in. Are you still off work and how are things going? And if you're still off work, then they'll kind of continue that payment, if They what's gonna that makes say about sense. that? So is it you have to send us information on that or we're we're trying to look into Yes. So that on the document, which will be again? not the next one, the one after that, it has Yeah. your AIA insurance in a bit more detail. So it breaks down Yeah. Right. everything. So even if you want to go and have a chat to, obviously, Wendy, see what you wanna do. And then when we get together, all of us see if you wanted to make a change Yeah. or whether Yep.","start_word":3191,"end_word":3567,"sentiment":"neutral","sentiment_score":-0.06745505281563463},{"text":"you're happy with it.","start_word":3568,"end_word":3571,"sentiment":"positive","sentiment_score":0.5687699317932129},{"text":"Because it also factors in well, income protection is great if if you cannot meet your living expenses or anything like that with your income, and that will, you know, mean that you'd have to move or you can't do anything, then income protection becomes very important because, obviously, your income won't be there. But at the Yep. same time, if you guys are living quite comfortably and can, let's say, live financially on just Wendy's wage, for example, and you don't need your income, then that could be a different question. Yeah. Right. Does that make sense? As in when you say it's a different question. Like, as in would you guys need need the income protection in place? Yeah. Because, obviously, you were paying for it. Yeah. I'll have I'll I'll have to Mhmm. I'll I'll go through and have a look at what's under. Yes. Yep. Yeah. Because those three are costing after a tax rebate about 5,507 per year. Yeah.","start_word":3572,"end_word":3735,"sentiment":"neutral","sentiment_score":-0.05303465574979782},{"text":"It's a tough one.","start_word":3736,"end_word":3739,"sentiment":"negative","sentiment_score":-0.3774171471595764},{"text":"Yeah. You're damned Yeah. if you do it damned if you don't. So yeah. Exactly. I'm sorta Because you I'm always cautious with it because yeah. you don't, yeah, you don't really know, but, like No. yeah. So yep. And then you would hate to obviously, if something were to happen, it is yes. It's 5,500, but that's per year. You would get an income replacement of about 4,800 per month. So if something were to happen, obviously, insurances is one of those things.","start_word":3740,"end_word":3823,"sentiment":"neutral","sentiment_score":-0.2011682242155075},{"text":"Like, you never want to be able to use it, but then you're paying for something you never used. But then the ramifications financially, if you don't have it in place, can be quite severe.","start_word":3824,"end_word":3858,"sentiment":"negative","sentiment_score":-0.41143684302057537},{"text":"Yeah. Yep. So, yeah, have have a think about it. And then when we catch up Yeah. next time, if you wanna make any changes, if you wanna reduce any cover amount, if you wanna I'd leave it, you just let me know. Okay? say. Yep. Yep. Otherwise, when it comes to the super performance, so that should be your next report, which Yep. should say have a 24 performance report, performance Okay. with IRR. Does it say that at the top? I just got out of that one just saying. Sorry. Do I get out the signed document bit and just have a look another one? That's it. It would just be next. I think if you press next, there should be another attachment Alright. after Okay. the super and assurance. Yeah. You're right. Okay.","start_word":3859,"end_word":3994,"sentiment":"neutral","sentiment_score":0.005776687059551477},{"text":"Seems quite good.","start_word":3995,"end_word":3997,"sentiment":"positive","sentiment_score":0.42245957255363464},{"text":"Okay. Next document. Yeah. I've Yeah. already had Yes. some of the screen. Yeah. Yep. Yep. Yep.","start_word":3998,"end_word":4014,"sentiment":"neutral","sentiment_score":0.06235932558774948},{"text":"Perfect.","start_word":4015,"end_word":4015,"sentiment":"positive","sentiment_score":0.42521369457244873},{"text":"Now that one here shows your portfolio over the last twelve months. Yep. So to answer your question, what was your future balance at the start of this period, so on the 07/02/2025. Yep. It was at you can see on the so, basically, the second column says market value start of period. At the bottom, it says total. I think yeah. Yep. So that tells us it was $250,923.37. Yep. Alrighty. Yep. So how much growth is that assigned to the over that period? For the last yes.","start_word":4016,"end_word":4104,"sentiment":"neutral","sentiment_score":0.0618683286011219},{"text":"Excellent question.","start_word":4105,"end_word":4106,"sentiment":"positive","sentiment_score":0.36088234186172485},{"text":"Now if you scroll through second page, page two out of two, it should Yep. show you just an overview of the total portfolio. Now this is all after fees as well. So if you look on the second column to the right where it says internal rate of return, that shows us how your investments Yeah. alone did after fees.","start_word":4107,"end_word":4167,"sentiment":"neutral","sentiment_score":0.138529434800148},{"text":"So it was still up by 7.7%, which is pretty good given the market conditions we have had in the last twelve months.","start_word":4168,"end_word":4190,"sentiment":"positive","sentiment_score":0.34955012798309326},{"text":"Yep. Because We're trying to work out, like yeah. Because Wendy's one is like she because she's been aggressive. She's I think she had, like, twenty five, twenty six percent or something. So oh, maybe I should be getting her to do mine for me.","start_word":4191,"end_word":4235,"sentiment":"neutral","sentiment_score":0.057466715574264526},{"text":"Yeah. We can definitely have a look at that together because then it's also Yeah.","start_word":4236,"end_word":4250,"sentiment":"positive","sentiment_score":0.3844729959964752},{"text":"what you are comfortable with. Because Yeah. with that, I I won't be able, obviously, to disclose her for privacy while she's not on the phone. Yeah. Yep.","start_word":4251,"end_word":4278,"sentiment":"neutral","sentiment_score":0.13559028506278992},{"text":"But, otherwise, you can some years, if you are if you are an aggressive portfolio, some years, depending on what you invest in, will be fantastic.","start_word":4279,"end_word":4304,"sentiment":"positive","sentiment_score":0.34487801790237427},{"text":"Other years Yep. Yeah. can be down quite a lot. So you also then wanna make sure you are comfortable with that. So if when there are mark market turbulence, would you be comfortable with, let's say, one in every five years being a negative to offset that, or would that kind of make you a bit worried? So that also comes into play, Yeah. I suppose if that makes sense. yeah. That yeah. That's Yep. the thing to yeah. Well, I'll just I'll plot along. That's that's just me. I'll plot along doing that. So yeah. When but she's but in saying that yeah. And there's no guarantees, like yeah. But Correct. since she's back she since she's taken it on, she's, yeah, she's had grace since she's That's since correct. she's sort of taken her taken her you know, taken her own control out of it. So, yeah, she's Yeah. yep. But what we should do anyway is have a look at the investments for you. Because when you scroll up to page one, you can see that that what there is one investment that I wanna look at swapping for you, but we can do it all together because you have to go it in in the advice piece and put a Yep. strategy together, is your Yep. first one, and that is your Benelon Australian equity. Now that one has underperformed in the last twelve months. And not always when an investment is down do we wanna sell and swap it if we foresee it coming back around because you don't wanna sell it when it's down if there's a chance of it bouncing back quickly. But at the Yep. same time, we wanna be proactive. And if we, you know, do all the research and feel like it's not going to be the best option moving forward and there are better alternative options that will put you in a better position, we wanna look at considering changing it. So that one is one that I would Yeah. like to look at changing out of your portfolio. The Yeah.","start_word":4305,"end_word":4657,"sentiment":"neutral","sentiment_score":0.01080105920182409},{"text":"rest of your investments have done pretty good.","start_word":4658,"end_word":4665,"sentiment":"positive","sentiment_score":0.4912668466567993},{"text":"But that, again, could be something Yeah. where if we have you and Wendy together, we can look at, okay. What does she have? What do you have? What risk profile are you in? What risk profile is she in? What are you both comfortable with? And then kind of working on everything together, whether that is swapping a couple of yours or depending on what you are comfortable with to make sure you are both aligned. But also trying to get you through, you know, so you can retire at 64 when she retires as well. Yep. And because one one Yep. of the things I did we did change from we well, I used to be in Sunsuper that went over to, A r what t, do you Australian call retirement it? address? Yeah. The the one that Yes. the teachers yeah. And Yep. that that was pretty bad at one stage, but, like, it sorry. When it was the one to go to, like, for, you know, up until five, whatever it was, five, six years ago. And then it took a bit of a bit of a downturn, but that's gone back up again. Hasn't it really? Yeah. It depends on what you are Yeah. Yeah. often, it's like the fees can be a little bit cheaper, but the investment performance tend not to outperform the custom portfolio. Yep. But it's something we wanna continue to review because things are always changing, like you said. So part of the process if we, you know, put together a joint strategy for the two of you is that I wanna look at your super funds as well, which is what we always do. Because Yep. just because Hub twenty four was the best option for you when you came on board and that investment portfolio does not mean it's always going to be the case, Yeah. because So things for are Wendy, always it changing. is because it it works for Wendy because she yeah.","start_word":4666,"end_word":5002,"sentiment":"neutral","sentiment_score":0.04391056613150973},{"text":"She's been able to be aggressive and go for it.","start_word":5003,"end_word":5012,"sentiment":"positive","sentiment_score":0.3804655969142914},{"text":"But Yeah. for someone like mine, whether I just need them to be, well, you know, like, it just yeah. Overall, you know, it's a high performing super rather you know what I mean? Rather than Yeah. having to be aggressive. So I'm not Yeah. sure whether yeah. It whether it's me whether from my point, it's worth considering just the one that sort of takes takes care of itself a bit more and and Yeah. it's performing a lot better rather than being individually going for it. But, yeah, I'm not really Yeah. sure. Yeah. And that will be part of the research that we would do as well. Sorry. I'll always consider all super funds, but I can specifically look at the ART for you as well and Yeah. look at a similar level of risk and then do a comparison. Because at the end of the day, we are not bound by hub 24, and we are bound as an adviser by the best interest you do, which is also making sure that whatever I recommend to you, the same will be for for when this adviser will put you in the best position. And if we do research and we see, okay. Well, I AARP is a lower risk, it's cheaper, and better performance, then that's what I will recommend. But Yeah.","start_word":5013,"end_word":5238,"sentiment":"neutral","sentiment_score":0.07472632080316544},{"text":"if it's not performing as well and a lot more fluctuations of volatility and stuff like that, then I will not recommend it.","start_word":5239,"end_word":5261,"sentiment":"negative","sentiment_score":-0.49441346526145935},{"text":"So we're factoring everything along with capital gains tax and everything to then make a recommendation of what is going to be the best for you. Yeah. Yeah. Yeah. Definitely. Yep. Does that make sense? Yep. Yeah.","start_word":5262,"end_word":5298,"sentiment":"neutral","sentiment_score":0.003187118796631694},{"text":"Perfect.","start_word":5299,"end_word":5299,"sentiment":"positive","sentiment_score":0.45546066761016846},{"text":"But, otherwise, HUB twenty four and the platform is very competitive.","start_word":5300,"end_word":5310,"sentiment":"neutral","sentiment_score":0.33187341690063477},{"text":"Now I personally use HUB twenty four for my superannuation as well. So it Yep. is quite competitive to other similar if you're looking at more of your sophisticated platforms because it is pretty cheap for what it offers, and there's Yep. hundreds and hundreds of different investment options to choose from.","start_word":5311,"end_word":5362,"sentiment":"positive","sentiment_score":0.4906162917613983},{"text":"Yep.","start_word":5363,"end_word":5363,"sentiment":"neutral","sentiment_score":0.3018544614315033},{"text":"So it is very competitive, but it is something we always want to reassess through the research and through a strategy and making sure that still aligns with your goals and where you are at in this stage in life as well.","start_word":5364,"end_word":5405,"sentiment":"positive","sentiment_score":0.34426143765449524},{"text":"Yep. Yep.","start_word":5406,"end_word":5407,"sentiment":"neutral","sentiment_score":0.1816842555999756},{"text":"Perfect.","start_word":5408,"end_word":5408,"sentiment":"positive","sentiment_score":0.4420021176338196},{"text":"Now not much to go, but the next document, if you press next, what is that one? It's either your AIA insurances or the Vanguard chart. The Vanguard shop. Yep. So you probably have seen this one before, but it is a good visual representation of what we are talking about when we're kind of talking about market fluctuations. So you can basically see here, it goes back from 1995 through to 2025. Now it does break down the different asset classes as well. So you can basically see that over the long term, market always goes up. Yep. The short term, there will be some ups and downs and market fluctuations depending on what is going on in the world. Now you can see your growth investments. So in a growth portfolio, we typically have about 80% in base. That is your top four together. So you'll have your US shares, which you can see have grown the most, also fluctuate the most, though. You Yep. have your Australian shares, international shares, and your property. Now that is your growth investment. And then you have Yep. about 20% in defensive, those bottom three. So you can see that they're a bit more stable. They don't grow as much, but they also don't fluctuate as much. So it's Yep. then also a level you're comfortable. So if you are in, let's say, an aggressive portfolio, you tend to have a 100% in those top four. Obviously, you're gonna have more fluctuations, but when things are going good, you'll have a higher growth. Yep.","start_word":5409,"end_word":5671,"sentiment":"neutral","sentiment_score":0.13961832225322723},{"text":"Yep.","start_word":5672,"end_word":5672,"sentiment":"positive","sentiment_score":0.3337918221950531},{"text":"Now the next two should be your AIA insurances. So I gotta buy for it. Oh, yeah. Next document. Yeah. Yep. Yep. Now these are the two so you'll have two documents. One is for your life and TPD. The next one is for your income protection. Now these are the ones that break down those insurances in a bit more detail. So it's all kind of the numbers and the the premium, so how much it costs that we went through in the first document. It just breaks it down in a little bit more detail. So even if you wanna look at this with Wendy and seeing what you think, and then let me know if you want to make any changes. Yep. Yep. Now after that, do you have a OTU services guide? The what? Sorry. The I was I was just looking at that priority protection policy where it said double crisis recovery will automatically convert to crisis recovery on a policy anniversary before the life insured 60 or 50 birthday. So that's if you have, like, a double a double pole like, a double built in. So there's a lot of different features you can have Yeah. Right. I have my head. onto it. So, yeah, whether you have, like, a a double crisis recovery, then that will will change, Yep. Yeah. Right. yeah, depending on that. So same with, like, the double universal TPD. So there's a lot of, yeah, a lot of different things built into the policies. Now on Yeah. your income Did you protection say next time? mhmm. Sorry. Yes, Sorry. Yeah. please. You're right. You just say I got an expungement. Yeah? Yeah. Yes, please. Yep. Which would be another AIA, but it will be your income protection. Yep. Yep. Yep. Now if you scroll down, you will see on summary of policy benefits, you will see two. There is only one income protection, but the retirement protector indemnity, which is listed, that is basically if you were to be on claim. Obviously, you're not gonna work, but it will continue to pay contributions into superannuation even though you are not working. So it's like another kind of little benefit. So making sure that your super doesn't Yeah.","start_word":5673,"end_word":6050,"sentiment":"neutral","sentiment_score":0.06305869384890511},{"text":"get eroded if Right. you are off work for five years.","start_word":6051,"end_word":6061,"sentiment":"negative","sentiment_score":-0.3637846112251282},{"text":"Yep. Now if you wanna press next for me. Option to provide text phone number. Yep. Now this is one where it will ask you for your signature if you are happy to do so, and that is it's just a compliance form to say we are keeping your tax file number secure and safe on file. Yep. Alright. Yeah. So it will ask you for your signature, and it usually automatically adds a date as well. Let's I see the the date. I didn't see on it, but if I it says sign all and it says go on name. So I just hit sign all. Yes. Yep. And the date. Oh, okay. The date didn't go in. Okay. Oh, no. Is It did. it? Yeah. Okay. It it clicked Yeah. in. It's clicked in after the overall. Because Yep. usually it does Yep. automatically, but you never know. Sometimes it depends on what phones and stuff. Yeah. My Now Dodge what's area. the now what's the next document, Matthew? Next one is a view services guide. Yes. Now this one here, again, you probably have seen it a couple of times. It is one of those compliance documents as well, but it does give you all the important information in regards to all of us here at Oakview. If you just scroll through it, you will see that none of the important information has changed, but we've had a bit of an update to our marketing. So you might see a couple of new photos and also a bit of an extension to the team. Now Okay. Yeah. as you scroll through, you will actually see myself, if you wanna put a face to the voice. And I am right next to Dana who was the last adviser you spoke to for your last interview. Okay. Yeah.","start_word":6062,"end_word":6370,"sentiment":"neutral","sentiment_score":0.11508425325155258},{"text":"All good.","start_word":6371,"end_word":6372,"sentiment":"positive","sentiment_score":0.4416681230068207},{"text":"Yeah. Yep.","start_word":6373,"end_word":6374,"sentiment":"neutral","sentiment_score":0.1860206127166748},{"text":"And sometimes it's nice, especially as we do things over the phone, to kind of see who who we're talking to.","start_word":6375,"end_word":6395,"sentiment":"positive","sentiment_score":0.5012704133987427},{"text":"Yeah. Yeah. I just I always these days. I was like, oh my god. Yeah. Yeah. You know, but you know what I mean? Like, we get we're so used to talking to robots and Yeah. we get it is It's like it like a it's person. just it's it's it's so impersonal. It's, like, twenty years ago, Yeah. thirty years well, twenty five years ago, we went into the office to see it. Not saying you couldn't do it. I'm not even sure Yeah. how you operate, Yeah. but We you can. just yeah. If you guys are if you guys are ever wanting to, you know, come down this way to the Gold Coast and want to do in person, then more than welcome to do so because we have a lot of locals coming in as well. Yeah.","start_word":6396,"end_word":6536,"sentiment":"neutral","sentiment_score":0.05756779760122299},{"text":"All good.","start_word":6537,"end_word":6538,"sentiment":"positive","sentiment_score":0.3816421031951904},{"text":"Yeah. Live over drive, but but otherwise Thank you. If I'm there for a holiday, I'll yeah. Probably thinking of retirement, not not planning. Yeah. Yeah. Now there should be one more document for you, Matthew. You press next, and I believe that is a your ongoing service agreement. Is it, say, Harbour Next. '24 consent to new I ongoing hit the next. fee arrangement? Yep. Yep. Yes. Now Yep. this I one got here it. yep. Now this one here will ask also ask you for your signature if you are happy with that. What this is is your Yep. ongoing service agreement. So that is to say that you are happy to stay on as a client. Now the fee structure is not changing. And because both you and Wendy are clients, you are on a reduced fee. So it's down to 1.1% from super. So not increasing or changing, which is good. It I'm is just also checking there. Sorry. yeah. Of course. Just looking at the client consent name. What's so what's that? Yes. Sorry? The the member's name on the on that client consent sheet. It's got Matthew John Whitney. What's that? The one that I can see on my end says Matthew Johnston. I've got you know, the words the sheet I'm on now, maybe I skipped ahead on that. Consent consent to fixed term arrangement non ongoing. Is that where I'm supposed to be looking at? The one two No. There should be. Let me check because the one that I can see right five? now let me check with the team. It says consent to new ongoing free arrangement, Matthew Johnson. He has your account number and everything. Let me see if I'm I looking can see at what you are looking at. I've got yeah. Because I've got, like, Matthew Whitney. Okay.","start_word":6539,"end_word":6849,"sentiment":"neutral","sentiment_score":0.05604848457302695},{"text":"If that's the case, then that's obviously an error for the team, so Yeah.","start_word":6850,"end_word":6863,"sentiment":"negative","sentiment_score":-0.3521619439125061},{"text":"I will chase Yeah. that up with Yeah. MJ MJ Whitney. So somehow, maybe the MJ is coming to it. Yeah. So, yeah, it's got them. consent. So I'm I'm looking at the right sheet, but Okay. it isn't Yeah. a consent Consent. to fix yeah. Okay. Yeah. I've got all the I've got yeah. Someone It asked doesn't me yeah. have It's all a tablet. okay. Yeah. Totally. Yeah. Just leave that. Don't sign it, Yeah. obviously. Yeah. And Okay. Yeah. I will go and chat to the team because the one that I'm looking at has all of your details. So it just says Matthew Johnson and everything. Yeah. At the top, it says for me to you know, like, eight of eight signing, Yeah. Matthew Johnson signing, but the actual form is not, yeah, That's not not me. that one. Okay. Don't sign it. I Yep. will go and chat to the team who who just put that together just to Yep. check. And if it was incorrect, just just leave it. I will delete this, and I will Yep. reupload myself one that I'm looking at because that has yours and get that sorted. And I will get the team to text you if you are happy with that when I've resent it. And Yeah. I will Right. just triple Yeah. check it myself because, yeah, if that is slightly different to what I'm looking at yet, then don't sign it. And I will Yeah. go and delete that and get it sorted. So thank you for letting me know because, yeah, that's different to what I'm looking at.","start_word":6864,"end_word":7136,"sentiment":"neutral","sentiment_score":-0.003671185082786686},{"text":"So very good attention to detail, Matthew. That is good.","start_word":7137,"end_word":7146,"sentiment":"positive","sentiment_score":0.5796011090278625},{"text":"I can't find good. Normally, good at work. But that was an obvious one. Yep. Very good attention because most people be like, oh, yeah. Yeah. I like like I said, the one I'm looking at has yours. So that Yep. is probably a bit of an error, so apologies for that. And thank you so much for flagging that. And Yep. I will chat with the team and see if I can see the document that you were looking at through the system, delete it, and then just reupload the one that I'm looking at because that's the one that has all of your stuff Yep. and get that sorted. I will get the team to text you once it's resent if you would like, or you can just see a new email come through. It will be everything the same, but just, obviously, I will triple check that it's that on the last page where it says the ongoing fee arrangement, that it doesn't have that with me, that it's just your details. Yeah. They'll probably just see it when they they see the email that they've sent. Yep. Yes. Would that be Exactly. alright? Yeah. Yep. So I will go and do that, and apologies. And, again, thank you so much for flagging that. I will go and chat to the team as soon as I got off the phone and get that reissued for you. Yep. Yep. Now, basically, from here so, obviously, we wanna do a bit of a catch up with you and Wendy and work on strategies together. Now what do you guys prefer? So with Wendy, her adviser is Dana, who I believe you spoke to last time. I also want to let you know that I am going on maternity leave in two months. Two months. Okay. So if you're going So for two just for two in two months or for In how long two you go? months for twelve For months. oh, right. Yeah. Fair enough. So we'll So full who takes transparency. over? So Yeah.","start_word":7147,"end_word":7493,"sentiment":"neutral","sentiment_score":0.08060255165745958},{"text":"All good.","start_word":7494,"end_word":7495,"sentiment":"positive","sentiment_score":0.5423181056976318},{"text":"so what I can either do, it is up to what you guys are comfortable with. I will have time to have the chat to both of you before I go or Yep. especially if, obviously, that kind of more ongoing management, because I will be gone for twelve months, is that I can brief my colleague, Dana, on everything we discussed today, especially if she's already dealing with Wendy, Yeah. That and then I organize think that'd be the best. Yeah. Yeah. For I think her to so too take as much take as care.","start_word":7496,"end_word":7591,"sentiment":"neutral","sentiment_score":0.22481466829776764},{"text":"much as I would love to do it for both of you given the time, to wanna make sure that I'm here, obviously, to see everything through is that I will chat to Dana who's absolutely lovely. I will go through everything we discussed today as long as you're happy for me to convey that, and Yep.","start_word":7592,"end_word":7648,"sentiment":"positive","sentiment_score":0.6068909764289856},{"text":"then I will get the team through reach out. Do you know a time where you guys are both free, or would you have to speak to Wendy? Because I can get it booked in now with Dana for the two of you if you know Wendy's calendar. But Tough it would one. trigger one. Yeah. Well yeah. Because I'm sort of flexible and not flexible because the sales Mhmm. rep is just me. I can I can do it through the day, but I can turn up any time? But I like to get my work done first and then do it. So Yep. but Yep. she can get there mostly in the afternoon. It comes back to mostly me Mhmm. getting home and Okay. and sitting down together. Mainly, I'm trying to think of the best day, would be maybe a a Wednesday at how late can you actually do it? Like, 03:30 to be a last or four? Let me have a look here. Like, yeah, Sorry. like a a Wednesday or a Thursday around Okay. 04:00 where I can just sort of finish the day sort of thing. Yeah. Now she can alright. So have a look. She can do either next Thursday, July 9. She can do it at 05:30, but if that's too late, Where where is that? Sorry. Next, please. next Thursday, July 9 at five No. thirty. Oh, sorry. Too late? I've got I've got to tell him also again. I've got to book start roging. So we got three days off going to Brisbane No.","start_word":7649,"end_word":7912,"sentiment":"neutral","sentiment_score":0.05334919071615194},{"text":"with me Oh, and a lovely. couple of mates here. Oh, lovely.","start_word":7913,"end_word":7924,"sentiment":"positive","sentiment_score":0.5410690903663635},{"text":"So probably Otherwise, the following week, she can do so Thursday to speak again. back at the school. Teachers first week back at school. Okay. If you could do 04:30, Yeah. if Four that would thirty be when on Wendy will be home. if you can tentatively put it in, then we can always Yes. I I can, like, get yeah. If you can put it Or down I for could you. do Because, 04:00. it yeah. 04:00, probably. Four Yeah. o'clock? Okay. Yep. How about I put that tentatively in, which is Yep. Thursday, July 16 at 4PM? And Sixteen if it fifty is one. that you guys can't make it, just just let Yep. us know, and we can always Yeah. get it rescheduled. Okay? But Yeah. I got at least it. there's something locked in even if we call you guys and you go, oh, actually, Wendy's not home. I'm still, you know, at work. I can't make it. Then we can kind of book in another appointment. But at least you have something kind of locked in and and scheduled so we can kind Yeah. of get working on everything together. And that also gives me a lot of time with Dana on what we discussed today Yep. to kind of go through before that catch up as well. Did you say could it be 04:30 or 04:00 be better? 04:00 would be better, Yeah. Yep.","start_word":7925,"end_word":8164,"sentiment":"neutral","sentiment_score":0.0051956092938780785},{"text":"if All that's good.","start_word":8165,"end_word":8168,"sentiment":"positive","sentiment_score":0.40658247470855713},{"text":"okay. Yeah. It Just just because she it's has like another it's okay. one. Just Okay. means, like, yeah, by time I leave, yeah, it'll it'll have to make it work. Yeah. Because it'd Okay. be better because if you go so if you if you're going on the you're gone for twelve months anyway, so I would Yes. need some of the next next Correct. year anyway. Yeah. And Correct.","start_word":8169,"end_word":8239,"sentiment":"neutral","sentiment_score":0.017414383590221405},{"text":"and and to and Wendy's was really happy with it's Yeah.","start_word":8240,"end_word":8250,"sentiment":"positive","sentiment_score":0.3586606979370117},{"text":"Dana. Is that right? Yeah. Yes, Because she said Diana. yeah. Yeah. Yes. So And she we went I very was close. You know? yeah. Yeah. So Wendy's always pretty active and wanting things done. Yeah.","start_word":8251,"end_word":8286,"sentiment":"neutral","sentiment_score":0.08838175237178802},{"text":"So but she's pretty and Great. she liked the detail that she went into it. So it it'd be better Beautiful.","start_word":8287,"end_word":8307,"sentiment":"positive","sentiment_score":0.5170996189117432},{"text":"to have the same person too, if you know Yes. what I mean? Like yeah. For sure. Yeah. And, Yep. usually, that is something that we want to do as well. So if it is, Yeah. and I want to do that as well. Like, if I'm working with one partner, I would like to deal with the other one as well so that we can work together, Yeah.","start_word":8308,"end_word":8376,"sentiment":"neutral","sentiment_score":0.1572510302066803},{"text":"and I know Dana is exactly the same. And she's absolutely lovely, and you will be in very capable hands.","start_word":8377,"end_word":8396,"sentiment":"positive","sentiment_score":0.6722755432128906},{"text":"And then you can Is work that your on first stuff together. child? First Yes. It's child. the first Oh, one. Sorry.","start_word":8397,"end_word":8418,"sentiment":"neutral","sentiment_score":0.13274015486240387},{"text":"fun. Very exciting. Fun. Yeah.","start_word":8419,"end_word":8423,"sentiment":"positive","sentiment_score":0.5869414806365967},{"text":"We're The first full on, one. but Yeah. Yeah. Yeah.","start_word":8424,"end_word":8433,"sentiment":"neutral","sentiment_score":0.18449987471103668}],"average":{"sentiment":"neutral","sentiment_score":0.05714028820460967}}}}